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Big Problems, Little Solutions
by Zachary Adama
It is often said that America has big problems that require big solutions. To this, I would say they are half right. We as a country have much to overcome, not least of which is getting our financial house in order. However, as the fiscal cliff looms, and one "big deal" after another gives way to temporary solutions and the kicking of the can down the road, these problems seem ever more insurmountable.
At a time when neither party seems to be able to agree on anything, both appear to agree that the federal government is and should be primarily responsible for addressing the country's woes. I would contend however, that the fate of this nation should not be left in the hands of a few men with enormous power. The hope of our country, as always, lies in the vast resource of our people.
In the face of insurmountable problems, I propose our federal leaders take radical action. In fact I propose they do the hardest thing anyone with power can do, which is to relinquish that power. America learned long ago that free market capitalism is most conducive to an efficient, innovative and prosperous economy. When people are free to make their own decisions and prosper from them, they innovate, solve problems and by their individual actions create a better more prosperous world. On the other hand, the end of the Cold War and the decline and fall of the Soviet Union taught us that a centralized command economy becomes unsustainable when it reaches a certain level of complexity. A handful of bureaucrats cannot match the efficiency, innovation and flexibility of the invisible hand of the free market.
It is time we recognize that these lessons are not limited to the economic functions of government, but are applicable across the board. Centralization of policy and decision-making at the federal level has resulted in a bloated inefficient federal government, which is incapable of innovation or even carrying out the basic functions of governing. Therefore, I would urge our federal leaders to step aside, and restore to state and local governments the power to govern their people.
We must free the hands of local and state leaders, who understand the problems facing their people. Let the federal government do only that which the federal government can, and leave to the states all else. This was the original vision of our founders and constitution, before the Court rendered the tenth amendment moot. That is not to say I am advocating a return to Lochner, where industry was allowed to run amuck; what I suggest is a return to localism, and re-establishing state and local governments as the focal point of American political life. Let the most ardent red states and blue states realize their most radical ideological excesses, and let the rest of the country learn from their follies and follow a middle path incorporating their successes.
Give to the states the management and control of social security, medicare and medicaid, and give them the power to fund them. Those states that walk a wise and compassionate path that balances the needs of the most vulnerable with economic growth will prosper, while those who chose another path will fail. Those who do not vote at the ballot box will vote with their feet, and the ideological winners and losers will quickly become apparent by the success or failure of their states.
America is a large and diverse country, filled with talented people with different values and ideas. Yet the fate of all has been hitched to the decisions and faults of a few men in Washington, who with their narrow scope of experiences and ideas go about making policy for all. Where the wisdom of a few fails, perhaps the wisdom of the many can do better.


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NFL Network Post-Combine Mock Draft: Jets Select Nick Bosa
With the 2019 NFL Scouting Combine in the books, Maurice Jones-Drew, Bucky Brooks and Lance Zierlein reveal their top 10 picks in a new mock draft.
Inside the Team Huddle with C.J. Mosley | Jets vs. Bengals
Hear from the team captain on the field before the Jets-Bengals game.
Inside the Huddle with the Jets DBs | Jets vs. Bengals
Go all access with the Jets defensive backs before the Bengals game.
Jets Pregame Central presented by Bud Light | Jets vs. Bengals | Week 3
Sights and sounds from pregame before the Jets-Bengals game at MetLife Stadium.
Jets Gameday with Robert Saleh | 2022 Ep. 3 (9/25)
Watch Jets Gameday with Robert Saleh Sundays at 7:30 a.m. on CBS 2 in New York.
The Roundtable | Previewing Jets-Bengals at MetLife Stadium
Host Eric Allen and Jets Legends Bart Scott and Leger Douzable talk through everything you need to know about Jets-Bengals.
1JD Films Presents: Episode 6 of One Jets Drive | Ep. 2 9/24/2022
Watch 1JD Films Presents every Saturday at 11:35 p.m. on CBS2 in New York.
2022 Game Preview | Jets vs. Bengals
Team Reporters Eric Allen and Ethan Greenberg preview Sunday's home game against the Bengals.
Inside the Walls with Robert Saleh | Week 3 Jets vs. Bengals
Jets head coach Robert Saleh sits down with Eric Allen to discuss the team's preparations for the Week 3 matchup against the Bengals at MetLife Stadium.
What Is Carl Lawson's Evaluation of the Jets Pass Rush Through 2 Games?
Jets defensive end talks with Team Reporter Caroline Hendershot leading up to Sunday's game against the Bengals.
How Does Joe Flacco Think the Jets Can Build On the Win Over the Browns?
Jets QB talks about the win over Cleveland and what to expect against the Bengals in Week 3.
Baldy's Breakdown | Joe Burrow, Ja'Marr Chase & the Bengals Offense
NFL Media's Brian Baldinger takes a closer look at the Bengals offense leading up to Week 3.
Cynthia Frelund's 3 Stats to Know for Jets-Bengals | Week 3
NFL Analytics guru Cynthia Frelund talks through here stats to know leading up to the Week 3 game against the Bengals.
What Is Next for Jets WR Garrett Wilson?
Jets wide receiver speaks with Team Reporter Eric Allen about winning the Rookie of the Week Award, his progress and what it meant to be a part of the stadium-wide singing of the National Anthem.
Jets Receivers Presented Garrett Wilson with Rookie of the Week Belt
See Elijah Moore, Corey Davis and Braxton Berrios give Garrett Wilson his belt for winning the Pepsi Zero Sugar Rookie of the Week.
Game Trailer | Jets vs. Bengals in Week 3
Get ready for Sunday's game against the Bengals at MetLife Stadium.
One Jets Drive | Jets vs. Browns
See all of the big moments during the 31-30 victory over the Browns in Cleveland where the Green & White scored 14 points in the final 2 minutes.
Cynthia Frelund's Week 3 Player Breakdowns | Garrett Wilson
NFL analytics guru Cynthia Frelund takes a closer look at Garrett Wilson via the Skycam.
Carl Lawson: We Need to Get the Quarterback Down When We Get to Him
Jets defensive end speaks with reporters leading up to the Bengals game.
C.J. Mosley: It Always Starts with Stopping the Run
Jets linebacker speaks with reporters leading up to the Week 3 game against the Bengals.
DC Jeff Ulbrich Press Conference (9/22) | Week 3
Jets defensive coordinator speaks with reporters leading up to the Bengals game.
ST Coordinator Brant Boyer Press Conference (9/22) | Week 3
Jets special teams coordinator speaks with reporters during Bengals week.
OC MIke LaFleur Press Conference (9/22) | Week 3
Jets head coach speaks with reporters leading up to the Bengals game.
Baldy's Breakdown | Get to Know the Bengals' Defensive Personnel
NFL Media's Brian Baldinger goes inside the film room to look at the Bengals defense leading up to Week 3.
Schrager's Fab Five | Garrett Wilson Among Top 5 rookie Performances for Week 2
NFL Network's Peter Schrager's reveals his top 5 rookie performances for Week 2.

subset: commoncrawl


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If you have a mental health condition that enables you to see life differently, then you might produce a different and unique perspective within your artworks. I've tried to use this thought to enable me to approach my new mixed media installation artwork 'PYLON', which is about a journey a psychotic young woman takes. I always seek to produce artworks that bring about a different angle on contemporary conversations.
We need to be free to express and talk about what we choose. For people to dictate how others should think is beyond me. In the western world, hearing voices has long been pathologized and seen as a problem for society. In places like Africa, Asia and Australasia voice hearing is often seen in a positive way. I personally feel this is a topic that needs further discussion.
Stigma is so severe for voice hearers, in order for other types of human experience to be seen as acceptable, we need to discuss openly about our thoughts and feelings. Be that in the everyday or about mental health.
We have been filming the video footage for my mixed media video installation 'PYLON'. My collaborators and I prepared well for an intensive three days of filming. Wow, was it exhausting! Director of Photography, Rob Luckins kept us on schedule, his expertise proving valuable on the shoot. He also got what I was trying to portray within the film and help create the psychotic experience through his camera lens.
Prior to filming, with Amber Weyman I had been working on the character development of the main protagonist 'Lily'. We did lots of rehearsals and workshops so Amber could make the transition from performing to an audience to being filmed, where the camera will pick up her every move. We also worked on hair, make up and costume. Amber looked great whilst performing to camera and our preparatory work payed off! She has made the role of Lily her own and gave the performance I had in my mind and more.
Sound recordist Richard Gott is creating the audio soundscape for 'PYLON'. He has undertaken research for the project by reading academic and medical papers on psychosis. In his own words "Researching auditory hallucinations has been fascinating for me… understanding how they manifest, what type of sounds might be heard, how they are experienced and where the sounds appear to be located". Richard has also interviewed me about the sound elements of a psychotic episode. We are using binaural sound to offer the art viewing public and idea of how a psychotic experience is.
After an exhausting three days of filming physically and mentally, all involved delivered and wow, did we capture what I had in my head!
Amber was in costume, looking like a strong young woman beginning her journey on an acute stage of a psychosis mission. Amber has lived dissociative disorder so she had witnessed people around her who had full blown psychosis, she had experienced close to what I wanted to portray which was another land, another world. An alternative reality, that only some would have encountered until now. I wish to break down stigma and share the journey of a young psychotic.
We also had experienced actress Gillian Tully arrive on set (with Limoni the chihuahua and her owner). Gillian who captured in her scene, the intensity of the paranoid experience. We were all on location to deliver a blow, to established Western world beliefs of psychosis, then Gillian's presence appeared. Her Character, strong piercing and uncomfortable. Just the type of person you would not want to meet on an acute psychotic experience. Amber and Gillian were in unison, yet, going up against each other, in a psychotic clash.
Now the filming is complete we will soon begin editing the audio and visual elements together. I will also begin building the sculptural parts of the 'PYLON' installation with the help of fellow artist David McDiarmid and for the later stages of development of the sculptural element I am being assisted by Isla Mackenzie-Doyle.James Paddock's personal blog about PYLON James Paddock's Instagram


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Google talks possible 120Hz refresh rate on Pixel 3, High Brightness Mode, Pixel 4 haptics, and more
The latest episode of the Android Developers Backstage podcast was released recently. This time around it featured Michael Wright from the Android Framework Team, Chet Haase from the Android Developer Relations team, and Romain Guy from the Android Toolkit team. In this episode, the developers focused on a couple of interesting topics, including the possibility of a 120Hz display on the Google Pixel 3, high brightness mode, Pixel 4 haptics, and more. Here's a rundown of all the key issues the tackled in episode 129:
Google Pixel 3 with High Refresh Rate Display?
With the launch of the Pixel 4, Google jumped onto the high refresh rate display bandwagon and packed in a 90Hz display on both the devices. But did you know that Google contemplated including a 120Hz refresh rate display on the Pixel 3? According to Haase from the Android Developer Relations team, the smaller Pixel 3 wasn't supposed to get an OLED display for various reasons, which is why Google considered using a Sharp 120Hz display on the device. Haase said, "So it was like 'well, if we don't have OLED, what do we do?' and so one of of the considerations was 'well maybe we do a 120Hz LCD.'" Sadly, Haase didn't reveal why the company finally chose a P-OLED panel over the 120Hz LCD.
What did Google do to make high refresh rate applicable to the whole ecosystem?
In the episode, the developers also shed some light on how Google managed to make high refresh rate applicable to the Android ecosystem as a whole. The company introduced a dynamic refresh rate switching feature in Android 10 to automatically switch between 90 and 60Hz for power saving. The company acknowledges problems in earlier builds (likely referring to the brightness fiasco) but says that they're now in a much better place.
Touch Sampling
One of the team's big issues with the Pixel 4 is that it uses 120Hz touch sampling. The company agreed to use 120Hz because switching between 120Hz and 180 Hz touch sampling was challenging and had a big power cost. The team suspects that this will change in the future as the company figures out how to get the power cost down and handle that much more input. 90Hz refresh rate and 120Hz touch sampling aren't an ideal combination because the 120Hz touch sampling means that an input comes in every other frame.
To deal with this issue, Google used resampling which was introduced with Project Butter in Android 4.1 to interpolate/predict touch events. Google is also investigating a new technique called late-latching, in which they will resample events at the last possible moment right before rendering. This new technique is expected to improve the experience during scrolling lists.
During the podcast, the developers also revealed that Google considered adjusting the brightness based on applications in Android 10. The reasoning was that since most people turn up the brightness for photos and videos it would make sense for Android to do this automatically. As it turns out, that was a really bad idea because people hated this loss of control. Therefore, it wasn't implemented.
However, having higher brightness is important for viewing HDR content, so Google uses High Brightness Mode (HBM) only for HDR content. On the Pixel series, HBM bumps up the brightness to ~600-700 nits depending on the panel. Wright added that you need about 700 nits to be sunlight-readable in all cases, but the Pixel does not use HBM in sunlight. The reason HBM is not in use outside of HDR video is primarily because of burn-in concerns rather than power.
Pixel 4 Haptics
Finally, the podcast shifts focus to the haptics on the Pixel 4 series. In case you own a Pixel 4, you might have noticed that the devices vibrate smoothly with audio from ringtones and alarms. In previous versions of the Pixel series, Google had to create a haptic config for each ringtone and alarm sound to achieve this effect, but this changed with the Pixel 4.
With the Pixel 4, Google introduced audio-coupled haptic feedback. Now there is a channel in the audio container that is actually a haptic signal because the haptic signal looks like a really low-frequency audio signal. However, this is only available with pre-included ringtones and alarms. The devices have no on-the-fly coupling for third-party ringtones and alarms. There's no documentation for third-party developers to do this on their own audio yet since audio-coupled haptic feedback isn't available on all devices.
You can listen to the entire episode on Google Podcasts by following this link.
Thanks to XDA contributor Dylan Raga for help in putting this recap together!


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The butterfly effect
Charities are irritating but often help companies do the right thing
"WE NOW understand it's about corporate partnerships…That's the model…and it's killing us." Thus did Naomi ("No Logo") Klein, self-proclaimed champion of the anti-capitalist Occupy movement, recently castigate carbon markets, green incentives and the close ties between companies and charities that have sprung up to support them.
Ms Klein can be relied on to espouse any cause that annoys business. But on this occasion her views coincide with a broader backlash against links between companies and non-governmental organisations (NGOs). Partnerships between the two have become like off-site team-building exercises: they were once slightly exotic, but now no self-respecting firm does without them. A survey of European multinationals and British charities by C&E Advisory Services found that over a third of the firms invest £10m or more in their charitable alliances and almost two-thirds classify the partnerships as "strategic" (whatever that means).
But these are partnerships of opposites. Businesses tend to think they discharge their duty to society by obeying the law. Charities want to do the right thing. Indeed, charities like rights in general: the right to food, the right to clean water, and so on. Businesses think in terms of markets, not rights.
The gap is widening. The share of firms that told C&E they are "very confident" that their partnership with NGOs will meet its aims has fallen by nearly half over the past year. Only 40% of NGOs say partnerships have changed companies' behaviour for the better—down ten points in a year.
The recent past has dealt several hefty blows to the perceived merits of these links. Most companies sign such deals to seek "the bubble reputation", as Shakespeare put it: to look good, whether or not the activity is worthwhile. But the millions that BP gave to American environmental NGOs did nothing to stop the company's good name being dragged through the muck of the Gulf of Mexico. John Browne, BP's former boss, was even on the board of one of those NGOs—for all the good it did him.
On their side, charities—which are often reluctant partners, since they risk accusations of selling out—feel burned by two occurrences in April this year. One was the failure of the carbon-trading market in Europe. NGOs such as the Environmental Defence Fund are sticking their neck out when they campaign for market mechanisms, because rival greens like Ms Klein think worldwide central planning is the only way to reduce global warming. The debacle at the world's largest carbon-trading scheme therefore embarrassed all its backers and left responsible NGOs under attack for consorting with Mammon.
The other event was the collapse of the Rana Plaza textile building in Bangladesh. Some of the world's best-known NGOs have put great efforts into improving the supply chains of big clothing-makers such as Benetton, El Corte Inglés, Primark and Walmart. Factories at Rana Plaza made clothes for all of them. But if the suppliers condoned such deadly working conditions, what was the point of those well-meaning efforts? For a charity, why take all the trouble? Why not just go around to Primark's flagship store in London—as did War on Want—and shout that the company was to blame for the deaths?
Before concluding that partnerships are valueless, though, it is worth recalling the reasons why they took off in the first place. NGOs help companies reach parts of the market they cannot reach by themselves. In a new book, "Everybody's Business", by Jon Miller and Lucy Parker, Duncan Learmouth of GSK, a pharmaceutical firm, argues that "what NGOs bring is an insight into the base of the pyramid, the marginalised populations…That's an understanding we just don't have in the business." Environmental NGOs help companies consolidate their efforts to cut pollution and waste. P&G, the world's biggest packager of consumer goods, says green groups have helped it save nearly $1 billion through its "sustainability programme" in the past ten years.
NGOs are usually better than companies at attracting and retaining idealistic graduates: partnerships allow a little of the magic to rub off on firms. (Indeed, they can be almost too successful: some corporate-social-responsibility departments are stuffed with people administering the policies they had advocated when they worked for NGOs.) Partnerships cannot save companies from public-relations disasters like BP's but they can improve relations with regulators: WWF, an environmental charity, helped Coca-Cola defuse a damaging conflict in India which at one point led to the Indian Supreme Court demanding that the company hand over its exact (and still secret) formula.
Even evil capitalists have their uses
For NGOs, too, partnerships with firms have their uses. Companies provide money, which all charities need. They also offer a way of influencing the behaviour of millions. About 1.5 billion people are cultivating and making food around the world. NGOs which want to improve nutrition or reduce food waste cannot hope to affect the behaviour of so many. But roughly 100 companies are involved in selling a quarter of the world's food. Changing the standards they apply could have a greater impact than the charities would ever achieve on their own.
All that said, the benefits of partnerships will never be uniform, smooth or even very satisfying. Some alliances are well designed; many are not. Some firms are committed to the idea; some are not. And NGOs are like companies themselves: they seek market share; they compete for contributions. Some, like WWF, want to engage with businesses. Others, like Greenpeace, do not. And a few, like Oxfam, want both—slamming companies one minute, advising them the next. Partnerships are messy and patchy. But on balance they are forces for good.
This article appeared in the Business section of the print edition under the headline "The butterfly effect"
From the November 2nd 2013 edition
Discover stories from this section and more in the list of contentsExplore the edition
More from Business
A reckoning has begun for corporate debt monsters
As rates rise how messy will the squeeze on business get?
Is the warehouse business recession-proof?
Nothing seems able to halt the big-box boom
Germany's government seizes Russian energy assets
What will it do with them?


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In this edition:
- What we do at the Financial Rights Legal Centre: Emergency resources over the holidays
- Watch Your Nuts!
- It's Holiday Time! Common pitfalls in Travel insurance
- Changes to Debt Recovery through NSW Courts
1. What we do at the Financial Rights Legal Centre: Emergency resources over the holidays
In every E-flyer we like to give our colleagues and readers an insight into what we do and how we work at the centre. In previous editions we have explained the role of financial counsellors, what we do about credit repair companies and notices to vacate. This month we take a look at emergency services during the holiday period.
Unfortunately the December-January holiday period is a time when some Australians find themselves in serious financial stress. This is a time when energy and food vouchers might be sorely needed, but the usual emergency services are not all open over the Christmas break.
In NSW if you or a client find themselves in serious financial stress you could call the National Debt Helpline (1800 007 007). With the exception of actual public holidays, we will be taking calls as usual throughout the December-January breaks.
We do not provide emergency vouchers or emergency relief.
We will try to assist callers by providing them any emergency relief providers that we are aware are open. However, it can be very distressing for people to learn we may not have any referrals. We try our best to help people with some alternatives, such as:
- contacting Centrelink;
- contacting their credit providers where appropriate; and
- avoiding high risk products such as payday loans.
Our Insurance Law Service will be closed, however from Monday 25 December until Monday 8 January.
2. Watch Your Nuts!
It's never been easier to get into debt. And it's not just those on low incomes struggling to make ends meet – increasingly working people with good incomes are turning to high cost lenders for short term, fast loans.
These lenders – most of which offer instant loans online – are making fat profits off people's desire to have something extra – especially at Christmas.
We believe these borrowers – many of them young men in their 20-30s – are a debt crisis waiting to happen.
You probably know at least one person in this situation.
So we made this video to get their attention – and yours – in the hope of breaking the cycle before it goes "nuts" …
Please share.
Facebook version – please share this post.
Twitter version – please share this post.
Youtube version – please share this link.
3. It's Holiday Time! Common pitfalls in Travel insurance
Getting Travel Insurance? Don't just 'wing' it!
If you're travelling over the Christmas holidays (or at any time during the year) and you are considering or have already taken out travel insurance, then you need to read this article!
Here at the Insurance Law Service, we speak to a lot of people who take out travel insurance "just in case something happens". This is a wise thing to do BUT what we often see is that people just buy travel insurance without knowing what it is they're actually buying. In other words, they're just winging it. This is not so wise.
Do not assume you are covered for every eventuality.
Insurance is a contract between an insurer and the insured (i.e. yourself), where the insurer on receipt of a premium agrees to compensate you for certain defined potential losses or liabilities in the event they may occur during a specified period of coverage. You really need to read your contract of insurance (called a product disclosure statement).
If you obtain your own insurance, this will be sent to you when you purchase the product and you have a 21 days cooling off period to decide if it suits your circumstances.
If you are relying on insurance attached to your credit card, you should obtain a copy of the PDS from the website or product issuer and make sure you meet the eligibility requirements. For example, whether you need to make a minimum spend on your card.
When you're choosing your travel insurance, you need to remember that generally the purpose of insurance is to cover you for unforeseeable risks. Policies will list the risks they are willing to insure and any limitations.
BEWARE of:
- whether you have a medical condition/injury before you travel, including any symptoms of a potential medical condition, you should read your policy carefully to determine if you are covered or if you need to discuss this with your insurer to make sure that you are covered by purchasing additional cover. Existing conditions of other people can also be relevant to your insurance. For example, if you are worried you might have to cancel your holiday because Aunty Sally has a terminal illness and could get dramatically worse at any time, insurance is usually NOT the answer as most insurers will simply not cover cancellations in these circumstances.
- any exclusions under the policy for known or declared risks relating to your holiday destination eg, volcanoes, or other perils. Insurers often know more information about risks than you or I would and they can introduce cut-off dates where they exclude any claims relating to a known or declared risk if you have purchased the policy after the cut-off date. For example, recently a number of travellers were stranded or unable to leave for their Bali holidays due to the volcano eruptions. This risk was declared and raised to level 4 in September 2017. A family traveling to Bali had their trip cancelled due to the volcano eruptions. They put in a claim with their insurer but were unsuccessful as they had purchased their policy in October 2017 after the volcano risks were declared and made known. The family weren't aware of the exclusion and they also were not aware of the volcano risk
- Insurance is not a license to be risky or behave in a way you would not ordinarily behave if you were in Australia. Most policies will have exclusions relating to alcohol and illicit drugs, and restrictions on activities for example if you are not licensed to drive a motorcycle in Australia, if you do in another country and have an accident you may not be covered.
- When you decide on where you are going on holidays, look into and buy insurance at the same time.
- When you pick an insurer:
- think about where you are going and look up smarttraveller.org.au
- think about what you are doing on your holiday and read the PDS to see if it covers those activities and with what limitation;
- if you have seen a doctor or have a chronic medical condition, whether physical or mental, read the policy wording to see if it covers you if your health (or a family member, travel companion's health) deteriorates.
Here at the Insurance Law Service, we think that Insurers should do more to notify people of limitations in their policies at sales time. But, as it stands it is up to the consumer to make sure the cover suits your needs and not the other way round. You should be vigilant in making sure that their policy is right for you. Checklists can be very useful, here's a sample:
Choice Travel Insurance Buying Guide
Understand Insurance Checklist
REMEMBER: with travel insurance, don't just wing it!
4. Changes to Debt Recovery through NSW Courts
Following extensive consultation, the NSW government has passed laws that create much better protection for consumers in the court debt collection process.
From 25 December 2017, sheriffs will no longer be able to seize any items that would be protected under bankruptcy.
Previously sheriffs could seize anything except clothing, kitchen or bedroom furniture, and tools of trade up to a prescribed amount.
This change will be set out in section 106(3) of the Civil Procedure Act 2005 ("CPA") (effective from 25 December 2017), and provides protection for all items listed under 116(2) of the Bankruptcy Act. Crucially, this will include items such as a car up to the $7,800 bankruptcy threshold and any ordinary household furniture (this includes anything reasonably necessary for the domestic use of the bankrupt's household, having regard to current social standards and can take into account the number of people in the household, health and medical conditions etc).
Sheriffs now also have a legislated right to decline to seize any items where they believe the cost of seizing, storage and sale will be more than the value of the item (s106(4A) CPA). The sheriff must also notify a consumer about a writ before it can be enforced (s115A CPA). These provisions are in force now.
Other protections are due to come in force sometime next year (date still to be announced) and will include:
1. A minimum protected amount of $494.30 applies to debt garnishees (over a person's bank account etc). Previously, a debt garnishee could empty an entire account, leaving a person no funds to live on (with very minimal protection for some Centrelink recipients who have any savings over the previous 4 week period). Now, everyone must be left with at least $494.30 in their account, after the garnisheed amount is taken. This is a win for consumers, though we would have liked a higher amount to be protected.
The protected amount is an adjustable figure that will increase over time in line with the workers compensation amount – in the same way the $494.30 per week protected amount increases for wage garnishees. The $494.30 is the amount applying as of 1 October 2017 and changes each April and October.
2. The court will be given a general power to vary or suspend a garnishee orders if the court considers it 'appropriate to do so', on application by the debtor. How this works in practice, and what criteria the court will take into account, is yet to be seen.


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Summer Date Ideas for Your Guy's Love Language
I often find that it is too easy for me to evade planning dates with my husband during the winter (which is longer than most here in Cleveland!). It's hard to muster the energy for planning a date night out when I just want to hibernate in the heated comfort of our home.
While there are certainly ways to "date" at home, summer brings with it more opportunities and fewer excuses. It is the perfect season to spend a little extra time getting to know your husband or boyfriend and finding out how best to make him feel loved and appreciated. You may have heard of or read Dr. Gary Chapman's bestselling book, The 5 Love Languages, which explains how to determine both your own "love language" and that of important people in your life. It gives you the tools to "speak" their love language to them to make them feel more loved, thereby strengthening relationships.
I found this book particularly helpful when I read it for the first time before I got married. It helped me to recognize that my husband and I have very different love languages. His primary love language is definitely "words of affirmation," followed by "physical touch," while mine is "quality time," followed closely by "acts of service." Thus, the only love language that both of us do not have much practice with is "receiving gifts." (To understand more of the thought that went into the love languages, take a look at our interview with Dr. Chapman.)
I can definitely relate, in some way, to all five of the love languages. I mean, who doesn't like hearing words of affirmation or receiving gifts? Of course, I beam when my husband compliments my outfit or unexpectedly brings me flowers. However, both of these actions pale in comparison to when he makes a plan to spend quality time playing a game with me at night, or when he, unprompted, vacuums the living room because he knows I have been meaning to get to it. These seemingly small actions say to me: "I see you, I appreciate you, I want to make your life a tiny bit easier and make you feel loved because I really do love you."
More than just explaining how different people receive and express love, the love languages are a wonderful tool in making date plans. If you're hoping to spend a little extra one-on-one time with your guy this summer, determine both of your love languages by taking the couples' quiz, and take some time to plan a date for the two of you with intention. Here are a few ideas based on each of the five love languages.
Words of affirmation
While I might think I'm showing my love for my husband by cooking a nice dinner, that doesn't usually translate for him unless I expressly tell him that I'm proud of him and I love him. Conversely, when I acknowledge an achievement of his (such as hitting a work goal) and tell him I'm proud of him and want to celebrate him, his "love tank" is filled.
Thus, surprising your man with a night out to dinner or drinks to celebrate a specific accomplishment or just because you love him is always a good idea—as long as you also use complementary and kind words while on the date! Spice it up a bit by digging up old love letters and bringing a few on the date, reading them out loud and revealing how they made you feel.
Pack up some food and a bottle of wine and bring photo albums, notes, or journals with you on a picnic to read out loud and make you remember the reasons you fell in love with each other. And while dates are ideally a kid-free time to reconnect, a picnic is a great date option for those times that you really can't make child care work. Kids love picnics just as much as, if not more, than adults. You can share photos of "Mommy and Daddy in the good old days" to give them a good laugh, then let them run around while you uncork that bottle of wine.
Quality time
I'm a "quality time" girl, and as my husband has learned over the years, he has to put in the time to really make me feel loved. Luckily, this is one of the most fun love languages to plan a date for (ask me how I know). Especially during the summer, the possibilities are nearly endless—depending on where you live, of course. I can tell you that the most important thing to remember is to give your significant other your full, undivided attention during the date—no cell phones or distracted daydreaming, lots of eye contact, and making sure he knows that he's more interesting than anything around you. If you're somewhere exciting, you can enjoy the sights around you while making sure that you're enjoying his company most of all.
Go on a hike, a boat ride (paddle boats always hold a sort of romanticism for me, though I'd rather leave the paddling to him), a short road trip to a nearby town, a trip to the zoo, or a local street fair. I love discovering and exploring new places together—even if it's just a coffee shop one town over—and it always means the world to me when my husband searches for a place we haven't been to before.
Essentially, though, anywhere the two of us can be together and simply have fun and enjoy each other's company is the ideal date. And, yes, that includes the living room couch and the front porch. In fact, playing a game together on the porch is probably one of our favorite summertime date nights—and one that doesn't require finding a babysitter.
Receiving gifts
If this is your significant other's love language, a perfect date generally involves some kind of thoughtful surprise, as this shows just how much you care about him. Give him tickets to a concert, play, comedy show, or amusement park, and not only will the two of you have an unbelievable time doing something fun together, but he will feel loved because of the effort that went into finding and acquiring those tickets.
If you've never searched Groupon before, my husband and I have discovered that it is a treasure-trove of unique (and affordable!) date-night ideas. Your significant other will truly appreciate the effort behind the gift of a Groupon activity. You can find anything from paddle-board lessons to rock climbing classes (which simultaneously satisfy a "quality time" girl like me), and we even once went to an interactive mystery dinner. We didn't realize that "interactive" meant we would have to participate in a murder—a lesson in reading the fine print!
Physical touch
I find that especially in the summer there are ample opportunities to plan dates that will make anyone whose primary love language is "physical touch" feel loved. There are usually opportunities to go dancing (I have come across everything from salsa dancing to polka dancing in my own city), and the weather is ideal for early-morning or late-night strolls together.
I know my husband loves going on a walk with a destination at the end—usually ice cream or snuggling together on our porch (again, satisfying my "quality time" soul as well). Something as simple as sitting together and holding hands or touching shoulders is often all that is required to make the perfect date night. For that reason, watching a movie together is the perfect date for this love language, whether you venture to the movie theater, find a drive-in movie (perfect for the summer!), or create a relaxing movie-watching atmosphere at home.
Acts of service
Because this is one of my main love languages, nothing makes me feel more loved than when my husband performs an "act of service" for me and somehow turns it into a date. Make your "acts of service" guy a surprise dinner (it doesn't have to be fancy), and eat it together outside. Especially if he is having a long day or a long week, this can be the ultimate date night for him.
Tackle a DIY or cleaning project together, and make it fun with some music and drinks. As strange as it may sound to someone who does not have this love language personally, even a grocery shopping or Costco date can be the perfect date for someone who enjoys accomplishing something that needs to be done together. Making a commitment, sticking to it without complaint, and having fun doing it together is the recipe for an "acts of service" date success.
This summer, fill each other up with dates that not only allow you to make the most of the warmer weather but allow you to make each other feel uniquely and intentionally loved. Planning a date that satisfies your guy's love language might be a bit of a sacrifice, but putting his needs before your own will only make your relationship stronger—and I promise you'll both have a great time.


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It's been nine years since Jason Bourne, the oh-so-much-cooler-than-Bond CIA assassin played by Matt Damon in the Bourne franchise, was on our cinema screens (in 2007's The Bourne Ultimatum).
The fourth film in the series, the Bourne Legacy, was released in 2012 – but Damon opted not do appear in it, leaving fans to make do with Jeremy Renner's black ops agent Aaron Cross instead.
Now, however, the character is back. The first trailer for a new sequel, due to be released on July 27 in the UK and July 29 in the US and simply titled Jason Bourne, has just been released.
News source Telegraph.co.uk


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Drug diversion programs are popular across the state of Maryland. They are used to help drug offenders stay out of jail, if possible, and have the charges dropped from their records. When you are charged with a drug crime in Clinton, you should take a serious look into whether or not you are eligible to take part in a drug diversion program.
If you are eligible to attend a drug diversion program and you successfully complete it, you very well could have the drug case filed against you dropped. This means that the charges won't be on your permanent record. You will likely have to pay court fines and fees and follow any instructions issued to you by the court.
A major benefit of attending one of these programs is that you might not lose your professional license. Being charged with a drug crime can jeopardize your career, especially if you need a license in order to work.
There's a chance you could avoid serving time in jail if you attend one of these diversion programs in Maryland. You might be required to plead guilty to the crime first and then go to the program, but it could still help you remain a free person.
Once the case is dismissed by the court, you will be able to truthfully say on a job application that you have not been convicted of a crime.
Trying to fight drug charges doesn't have to be challenging, especially if you are eligible to enroll in a drug diversion program. These programs can help just about anyone charged with a drug crime, so be sure to ask your attorney if your case fits the criteria.


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Plugin Security
Congratulations, your code works! But is it safe? How will the plugin protect your users if their site gets hacked? The best plugins in the WordPress.org directory keep their users' information safe.
Please keep in mind that your code may be running across hundreds, perhaps even millions, of websites, so security is of the utmost importance.
In this chapter we will cover how to check user capabilities, validate and sanitize input, sanitize output and create and validate nonces.
Quick Reference
See the complete example of security best practices for WordPress plugins and themes.
External Resources
- How to fix the intentionally vulnerable plugin by Jon Cave
- Theme and Plugin Security presentation by Mark Jaquith


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Causes you can support
At TUF, we recognize this bitter reality and bring alive projects that stress on recognizing the individuals who suffer utmost due to this atrocity in terms of hunger, shelter and education.
Alhamdulillah Bread BasketStarted in 2008, our initiative to fight hunger was given impetus by our mentor, Syed HabeebDonate
On the first Sunday of every month, we provide more than 160 deserving families with groceries for their survival and nourishment. The happiness on their faces is proof of our work. A great achievement for us indeed! Alhamdulillah Bread Basket believes that to make a difference, we need to develop influential networks that are both deeply rooted and strongly connected from within. You can too, feed one family a month by donating just 500 INR and gain the reward.Donate Now
Ants2Giants'Catch them young, build them strong', is the motto of the Ants2Giants team. kick started in the year 2010, this program aims at making quality education a reality in slums, by targeting young children, enrolling them into schools and providing additional mentoring.Donate
A 200-year-old Urdu school named Yelagonda Palya School was selected to serve as our first knowledge center; where mentoring was done for 2-3 hours a week for all grades by teachers, volunteering professionals, college students, graduates, and even some immensely gifted home-makers. By 2013, as the number of enrolments in schools increased, the Ants2Giants cohort expanded to a ratio of 1:3. Today, we stand proud to the testimony of fantastic results in exams. The Ants2Giants team has left no stone unturned to combat the inadequacies of the ailing education system in pseudo urban slums. Adding a feather to our cap, we now have more than 50 volunteers!Donate Now
Gift a homeGift A Home, initiated in 2016, is an ongoing project taken up by The United Foundation.Donate
Dilapidated huts and dwellings in the slums of Bangalore are identified through a systematic survey. Our survey team verifies the owners and the relevant documents are authenticated. An estimate is then done by our regular building contractor. Fund raising is done through various channels and construction is completed within a stipulated time.Donate Now
Our Events
The United Foundation conducts various events throughout the year for its members and volunteers. Some of the prominent events are :
Learning by serving them, Volunteers speak
Ramadan distribution, a tremendous joy
The Ramadan kit distribution was the first event of TUF I had been to. From packing the kits to the distribution was a tremendous joy as this was the first time I was doing something like that. In addition, the Barakah and Sawab of helping the needy in the month of Ramadan was a humongous moment. It was an utter joy to meet the volunteers who share the same interests and motive. From then onwards, I have been a part of TUF and been an active volunteer past two year.
-- Ayesha Noorain
Tutoring kids, a humbling experience
I tutored kids of about 7-14 years of age at the A2G tuition centers. It was a gratifying and humbling experience to impart knowledge to these wonderful kids. The children are eager to learn and have great potential. I commend TUF's beautiful initiative to make a difference in these children's lives and I hope this initiative reaches new heights.
-- Saba Fathima
Ocean in a jug
TUF's taken many initiatives for the betterment of the helpless and needy people in the past few years. But, what caught my primary attention are the ABB Ration Distribution and Ramadan/Eid Kits distribution. Ocean in a jug, packing of the kits is fun and delivering them to the families gives pure happiness. Plus, it gave me exposure to the real world by being on the site, seeing their condition of living. You're surrounded by all sorts of positivity in the TUF family.
-- Adnan Ajaz
A grateful soul
You cannot understand the magnitude of the crisis until you witness it. Walking on the narrow slum streets, under the curious gaze of little kids, lifting the hem of my Abaya to prevent it from soiling, passing through tiny houses barely keeping themselves together, as I hopped a few puddles and skipped some potholes it hit me hard that this is the reality for some people. The life I live is a dream to some, and yet how ungrateful of me to complain over trivial issues? We stepped into their houses, brought them ration to last a few weeks, were witness to their smiles while our hearts gazed at the silent testimonies to their agony. Their only fault? They were too poor to afford a living. Our biggest mistake? The rich are so busy becoming richer that we leave the poor to get poorer.
-- Sarah Mehmood
Fun and uplifting
My first association with TUF was A2G tuition center wherein I had to take a fun activity for the kids of DJ Halli center. It was an amazing experience with the kids as their top level energy kept me going throughout! In fact this led me to become an active volunteer of A2G ! Working with this group majorly consisting of young and enthusiastic individuals surely motivated me to become a part of some more initiatives the team runs like survey for ABB ration distribution and Ramadan/Eid kits distribution. Truly an exhilarating and blessed experience! All my best wishes to the team for their continuous efforts towards pleasing Allah and helping uplift our Ummah!
--Kubra Fathima


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My, new to me, Husqvarna Viking sewing machine shipped to my office while we were in Maine. I work with such great people that we all, excitedly, gathered round while I unwrapped my purchase.
It's so retro and green. Look at this plaid fabric lining the case.
It was manufactured in Sweden in 1959 and was under warranty until 1984. Lucky for me, it sews like a champ right out of the box.
It can even sew buttons onto fabric!
I love it because it's mechanical, not computerized and I can see its working parts. I justify this purchase because it has a powerhouse motor, which I will need to sew new cushions and a sail cover for the boat.
But I'm sure I'll find lots of other projects for it. In Sweden, they even use it to sew a form of Rya rugs. The mind boggles.


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These DVD comes in three works out episodes. This is my favorite out of the three work outs. You can work out and at the same time dancing. I know I am not fat but just to focus on somebody parts of mine. I want to focus on my tummy and thighs. These work out really helps me out. How I wish that I have the courage to do it everyday. The last time I work out is last summer. I know it has been awhile already. Anybody wants to join me toning p their body? I need team mates too. I am linking this entry to Reel Weekends . Do you any favorite movie to share with us? You can join us too.
Author Archives: simplyjess
Looking for birthday gift
My brother is celebrating his birthday this month. I do not know what to give him. I was browsing the internet for idea. I thought what if I buy gifts for men online for him. I am sure that this Website will give me idea on what to get him. My problem has now a solution. I found the best tub where he can place his beers inside and all he needs is a bag of ice. He can them enjoy drinking beer with his friends. Guys like to drink beer and why not give him something that he can use perfect on his birthday.
Playing with Mommy's lipstick
She was two months shy of three years old in this picture. What a silly girl for snatching Mommy's lipstick. I guess the little girl need to retouch. She stills does not have her own lipstick though she is five years old now. I just do not want her to expose cosmetics at a young age. What about you? Do you allow putting lipstick or any make-up on your little girl? I want her to have a natural beauty whiles she is very young. Time will come that she is ready to use cosmetics. I am linking this entry to Me & My Passion #15 of 366 Blog Photo Challenge.


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"Wickedly Funny" "A maddening mix of cabaret, burlesque and theater"
Seattle, Washington (PRWEB) March 28, 2013
The news marks a most unusual diversion from the usual lineup at the popular music venue. And it shocked even the star of the show. "Surprise birthday present. Month run of Twisted Cabaret in Seattle" tweeted Frank Olivier to his fans. "Best birthday ever."
In previous incarnations, "Twisted Cabaret" has included a live band but at the time of press, no final decision has been made for the Seattle show. The original show was scored by Nolan Gasser, best known as the architect of Pandora Radio's Music Genome Project. While it is doubtful Gasser could leave Pandora for a month, there is speculation that he may come on board as Musical Director for this project.
A maddening mix of cabaret, burlesque and theater, "Twisted Cabaret" lives up to its name with Knife Throwing, Magic, and a Ballet performed entirely on a unicycle, and much, much more. It stars Helen Hayes, nominated variety artist and actor; and Frank Olivier (Sugar Babies, Tonight Show, America's Got Talent), who through a series of unfortunate events must perform the entire show aided only by his hunchback assistant. Witnessing one man perform all of these diverse skills is amazing enough but the real genius and charm of the show comes from Olivier's rapid fire banter which the New York Times called "Wickedly Funny."
At press time, there was no word on who will play Frank's lovable hunchback assistant. The show has always featured Paul Nathan but calls to his office get only a message saying he is on tour in Europe. Twisted Cabaret was last mounted two years ago in the Belle Époque Theater at the prestigious Glastonbury Festival outside of London. Nathan left the show to pursue his own career and has had a great deal of success with the "I Hate Children Children's Show" which was named Best Children's Show at the Edinburgh Fringe festival and with the German Variety show "Quilitz" which just completed a one year tour. Whether the producers will be able to lure Nathan to Seattle with a goal of influencing the theatrical conversation in the Pacific North West remains to be seen.


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How managers can move their organization from reactive emergencies to planned activities
Angela Testa, senior vice president of operations at American Campus Communities, strengthens operations without compromising a healthy work environment
Most people walking into an institutional or commercial facility do not give much thought to the effort it takes to operate a building, much less operate it well. They tend to expect the water will run when they need it to, rooms will be lit, they will have power and internet service, and that they will be comfortable.
That last expectation is the most subjective, the hardest to deal with, and the most common. As highly adapted humans who can survive an enormous range of environmental conditions, it turns out that thermal comfort is our emotional undoing in the work environment.
In facility management, we've been dealing with temperature issues forever. No matter how far our building technologies advance, how smart our systems become, and how much we meter and monitor, people still complain about the same things: It's too hot. It's too cold.
In a controlled building, maintenance and engineering managers and their staffs typically deal with three sources of potential problems:
People. Specifically, their preferences, tolerances, expectations, and attitudes
The built environment. How well does the building resist change?
Controls. How well do systems respond to changes in facilities?
When problems arise, it sometimes is difficult to tell whether it is a people issue or if a building or system problem actually exists. If the problem is the building or system, exactly what is wrong? As building systems become more complex, it can be more difficult to figure out.
Laurie Gilmer Column: Building an Arsenal of Troubleshooting Technology
Data Loggers, Temperature Guns Make Building Troubleshooting Easier


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There's a growing development for leaders to interrupt the previous autocratic model of leadership to newer fashions using the ideas of shared and participatory management. Enhancing throughput in hospitals and medical care facilities will change into a challenge, calling for bettering course of efficiency and labor productivity, at a time when most hospitals are already at their capacity limits. But they also let you see healthcare suppliers who aren't on the list called the Non-Participating (Out-of-Network) Supplier record.
All the staffs in a hospital such because the receptionist, scrub nurse, hospital administrator, physician and the X-ray technician are accountable in providing quality care to all the patients. People have been utilizing alternative health merchandise to treat their illnesses for years, although many of them may not have been conscious that was what they were doing.
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Nevertheless, in the current previous, factors akin to aversion to comply with the low income conventional therapeutic practices; gradual shift to more lucrative alternate livelihoods; higher reliance on non-traditional healing practices and excessive diploma of inroads by modern medication, is threatening the normal medicinal traditions to proliferate additional.
Why Dwelling Well being Care Is Necessary
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Add the flour mixture to the sugar mixture, alternating with buttermilk, beginning and ending with the flour mixture.Well, Utah's 107 victory over Toronto on Monday night was no joke.The 29-year-old Jackson played all 48 games in his three seasons with Jacksonville, averaging 35 tackles and six sacks per year.They are perfectly seated they are.
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But, it's just me so I get it, I get it.Having said all that, though, the No.No, http://www.broncosshopfootball.com/30-phillip-lindsay-super-bowl-jersey.html but I think they complement each other well.He will bring a global perspective Phillip Lindsay Authentic Jersey on how we will build our team and his experience with developmental programs will be a big asset as we look to fully maximize the Iowa Wolves as a natural extension of the Timberwolves.
Darnold extended wide receiver Robby Anderson's touchdown streak to three games with a 33-yard connection in the second quarter, then added a five-yard score to Chris Herndon and a 20-yarder to Elijah McGuire, both in the third.


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We are pleased to announce the five members of the jury for this second edition of Jalon Mobility Awards!
The jury members, all highly regarded in their respective domains, came from the fields of architecture, innovation, mobility, business and academia.
Jury Members for the 2020 edition:
Catherine Morency, Ph. D, Canada Research Chair on Personal Mobility (Mobilité Chair), Polytechnique Montréal
Sylvain Gariépy, President of Ordre des urbanistes du Québec & Partner, Urban planner at Provencher_Roy
Julie Ethier, Executive Director at Développement économique de l'agglomération de Longueuil (DEL), President of IVEO
Richard Chénier, General Manager of Centech
Michel Dallaire, Senior Advisor, Industrial Designer at Provencher_Roy
Nine categories will reward the efforts made by agents of change in sustainable mobility
During the event, prizes will be awarded in the following nine categories:
- Human experience
- Active mobility
- Collective mobility
- Shared mobility
- Energy efficiency and electrification
- Intelligent mobility in urban settings
- Urban planning
- Freight logistics
- Start-up companies
About Jalon Mobility Awards
The Jalon Mobility Awards is a fun and festive gathering that recognizes the efforts made by key agents of change within the ecosystem, from those who are shaping the mobility of tomorrow to those who are questioning how it should all be done.
The second edition of the Jalon Mobility Awards will take place virtually on October 15, 2020 and will be hosted by Stephan Bureau.
REGISTRATION DEADLINE: September 4, 2020. To find out more, click here.


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Butterfly Net
This net of marbles is a set of marbles from Mega Marbles including 24 Target or 5/8" marbles and 1 Boulder or 1" marble. Butterflies have an opaque mint green base with swirls of turquoise blue and black on the surface. Warning!: Choking Hazard. This toy is a marble. Not for children under 5 years.
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Cross Country Teams Ace Multi-Dual Meet
October 22, 2013
The Claremont-Mudd-Scripps men's and women's cross-country teams finished 8-0 at the SCIAC Multi-Dual meet Oct. 18 in La Mirada, Calif.
Harvey Mudd College student Zorg Loustalet '16 won the men's race, setting a course record with a time of 25:24.9.
Loustalet led the majority of the race and pulled away from John Guzman of Occidental College in the final 400 meters to win by just over two seconds. His record-setting finish broke the 25:47 course record set in 2006 by Will Leer, a four-time national track champion.
The women's team also dominated their course, with four runners in the top six for most of the race.
Both teams will compete next on Saturday, Nov. 2, in the SCIAC Championships at Prado Park in Chino, Calif.


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The number of drug deaths has risen for the seventh year in a row
Drug-related deaths in Scotland rose to a record 1,339 last year, the seventh time in a row that the number has risen.
The newly-released figure for 2020 shows 75 more deaths than the previous year, when 1,264 people lost their lives.
Last year's figure is also the highest number of drug-related deaths since records began in 1996.
Scotland continues to have the worst drug death rate in Europe, with 21.2 deaths per 1,000 of the population.
This is more than three-and-a-half times higher than England and Wales.
Most of the deaths – 1,192 of them – were related to use of opioids such as heroin, morphine, methadone, codeine and dihydrocodeine.
Benzodiazepines were implicated in 974 deaths. "Street" sedatives such as etizolam, which is more potent than Valium, was found to have contributed to 806 of these benzodiazepine-related fatalities. Some deaths involved more than one benzodiazepine, or a mixture of prescription and street tablets.
Anticonvulsant drugs gabapentin or pregabalin were present in the bodies of 502 people who died, and cocaine in 459.
Ecstasy-type drugs were implicated in 40 drug-related deaths, amphetamines in 60 deaths, and alcohol in the cause of 173 deaths.
Glasgow was again found to be the worst area for people struggling with addiction, with 291 dying there last year.
Greater Glasgow and Clyde had the highest rate of all health board areas at 30.8 deaths per 100,000 people, followed by Ayrshire and Arran and Tayside with rates of 27.2 and 25.7 respectively.
Men were 2.7 times as likely to die of drug misuse than women, the figures also show, and people in the poorest areas were 18 times as likely to die than those in the least-deprived areas.
Almost two-thirds of all drug-related deaths were people between ages 35 and 54.
The rise in the number of drug-related deaths over the past 25 years has been the steepest since 2013. The SNP had a majority government in Scotland between 2011 and 2016, after which they governed with a minority rule.
The Scottish Conservatives have accused the SNP of "failing to take the drastic action necessary" to tackle the drugs problem, while Scottish Labour said the situation "should never have been allowed to get to this point."
In response to the figures, Scotland's First Minister Nicola Sturgeon said the number of lives lost "is unacceptable, each one a human tragedy".
The SNP leader added: "Today, my thoughts are with every family who has lost a loved one. I am sorry for the loss you have suffered."
Ms Sturgeon tweeted: "The Scottish government does not shirk the responsibility and we are determined to make changes that will save lives.
"These 2020 figures (though no less shameful because of it) predate actions set out at start of year.
"We now have a dedicated drugs minister in Angela Constance, a substantial funding commitment and action underway to eg ensure faster access to community support, treatment and rehab.
"We will also continue to argue for reform of drugs law, which is not currently within our power."
In April, Ms Sturgeon had admitted that the SNP government "took our eye off the ball" on drug deaths and pledged £250 million over the next five years for rehabilitation and community services.
The Scottish Drugs Forum (SDF) has attributed the drugs problem to poverty.
It has said: "Scotland's drug problem has its roots in the harsh climate of 1980s deindustrialisation and the economic and social impact in the subsequent decades.
"Other countries chose a more interventionist approach by which the state created alternative employment and opportunity during these changes. This was not the policy in the UK.
"The consequence of this ongoing approach is a large and more entrenched drug problem nationally."


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40 CFR § 60.2541 - In lieu of a state plan submittal, are there other acceptable option(s) for a state to meet its Clean Air Act section 111(d)/129(b)(2) obligations?
Yes, a state may meet its Clean Air Act section 111(d)/129 obligations by submitting an acceptable written request for delegation of the federal plan that meets the requirements of this section. This is the only other option for a state to meet its Clean Air Act section 111(d)/129 obligations.
(a) An acceptable federal plan delegation request must include the following:
(1) A demonstration of adequate resources and legal authority to administer and enforce the federal plan;
(2) The items under § 60.2515(a)(1), (2) and (7);
(3) Certification that the hearing on the state delegation request, similar to the hearing for a state plan submittal, was held, a list of witnesses and their organizational affiliations, if any, appearing at the hearing, and a brief written summary of each presentation or written submission; and
(4) A commitment to enter into a Memorandum of Agreement with the Regional Administrator who sets forth the terms, conditions, and effective date of the delegation and that serves as the mechanism for the transfer of authority. Additional guidance and information is given in EPA's Delegation Manual, Item 7-139, Implementation and Enforcement of 111(d)(2) and 111(d)/(2)/129(b)(3) federal plans.
(b) A state with an already approved CISWI Clean Air Act section 111(d)/129 state plan is not precluded from receiving EPA approval of a delegation request for the revised federal plan, providing the requirements of paragraph (a) of this section are met, and at the time of the delegation request, the state also requests withdrawal of EPA's previous state plan approval.
(c) A state's Clean Air Act section 111(d)/129 obligations are separate from its obligations under Title V of the Clean Air Act.
The following state regulations pages link to this page.


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Glen Scotia 14 Year Old Tawny Port Finish Campbeltown Malts Festival 2020 (52.8%, OB, 2020)
- Age: 14 Years Old
- Bottling: OB, Campbeltown Malts Festival 2020
- Category: Campbeltown single malt scotch whisky
- Cost: £74.95
- Origin: Glen Scotia distillery
- Vintage: 2006
What they say
This Limited Edition Campbeltown Single Malt Whisky has been specially
created to celebrate the 2020 Campbeltown Malt Festival.
istilled in 2006, the Glen Scotia 'Tawny Port' Festival Edition is a peated Campbeltown Malt that has been matured in a mix of refill American hogsheads, medium char American oak and first fill bourbon barrels before being finished in first fill Tawny Port hogsheads and then bottled at cask strength 52.8% ABV.
Official tasting notes:
Nose: Blackberry, floral notes of rose and ocean spray.
Palate: Silky mouthfeel, crisp green apple, peach syrup and vanilla with a honey sweetness.
Finish: Gentle peat smoke with blackcurrant, raspberry and clove spice.
What I say
Dram #5 from WOLS 2020 T6 Halloween / Rising From The Dead tasting. Glen Scotia's bottling for the Campbeltown Malts Festival 2020 which thanks to COVID19 became a virtual festival.
My tasting notes:
- Appearance: Dark rose gold (12/20), quick, large tears and tapered, fine legs.
- Nose: Sweet, strawberry & rose and marshmallow, toasted, smoked, malted, heather honey, coastal sea-spray, raspberry coulis, engine oil, tarry, toffee.
- Taste: Mouth-coating, smooth, sweet, red berry/strawberry/raspberry smoothie, salted caramel, clove and mint leaf, charred oak wood, molasses, cinnamon and Jamaican ginger cake.
- Finish: Long, drying, clove, wintergreen, oddly floral violet, strawberry and black pepper, jam on brown toast.
Full of jammy red fruits, peat smoke and oily coastal influences, mixed to perfection.
Score 88/100
Don't take my word for it:
The Daily Dram Reviews Glen Scotia 14
Bloggers submit link to your review
Categories: Campbeltown, Glen Scotia


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Huge Street Art Murals Transform City Of Lodz In Poland
The city of Lodz in Poland is promoting the work of street artists from around the world as a way of creating a cultural re-invigoration of this city whose population is three quarters of a million. Begun in 2009, the Urban Forms Gallery has installed more than 20 large square paintings on elevations in the city center.
The public/private partnership and the addition of the artwork has attracted business and investment, and of course urban exploring tourists who can follow a map to see the works within a couple of hours. As a model for employing the talents of street artists to create public art in service of the re-invigoration of a city, this one appears to be very successful at respecting the work while adding value to a neighborhood, district, city, and community.
The roster of nearly two dozen works features international street artists like Os Gemeos from Brazil, Aryz from Spain, and Remed from France, along with one of Poland's proud street art sons named M-City from Gdynia, a city three hours north of here, and two hometown local talents Bezt and Sainer from the ETAM Crew.


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Size: 40X40cm (16×16 Inches)
Material: Kashmiri Dusoot
Embroidery: Hand-done Kashmiri Crewel Aari work
Made in Kashmir
Care: You can wash by hand using any detergent or shampoo but not with soap and not in the washing machine.
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The Plantronics Savi W430-M wireless headset system incorporates DECT technology for unsurpassed, enterprise-grade audio quality, even in dense working environments. Hands-free functionality increases productivity by enabling users to multitask and move freely around the office.
Plantronics Savi W430-M Wireless Headset Features
DECT technology provides better audio; eliminates interference from Wi-Fi networks
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Pianist Timothy Durkovic was born and raised in Guatemala City, Guatemala. He received his musical education at the National Conservatory of Guatemala, the Juilliard School, Salem College, and the Thornton School of Music (USC). He is the winner of several competitions and performs both nationally and internationally as a recitalist, a soloist with orchestra and a chamber musician. Timothy Durkovic is an official "Steinway Artist," as well as broker-associate with Douglas Elliman Real Estate.
Timothy Durkovic combines the virtuosity, sound and heartbreaking lyricism of a bygone era with extraordinary fire and intensity. On the world stage, he is one of the most gifted performers of his generation — a powerful, authentic pianist." - Barbara Lister-Sink


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Keynote: The Web: It's just a tool though, isn't it? — No it's not – it's an alien lifeform!
Simona Cotin is a web developer with a passion for teaching. She spends most of her time tinkering with JavaScript in the cloud and sharing her experience with other developers at community events like meetups and conferences or online. As a Cloud Developer Advocate, Simona engages with the web community to help create a great developer experience with Azure. She loves shipping code to production and has built network data analytics platforms using Angular, Typescript, React, and Node.
It's the late 80s and Tim Berners-Lee is frustrated with the challenges of finding information stored on different computers. He goes on to submit a memorandum, titled "Information Management: A Proposal":
Imagine, then, the references in this document all being associated with the network address of the thing to which they referred, so that while reading this document, you could skip to them with a click of the mouse.
Fast forward, 2019, the web turns 30 and we've just seen the tip of the iceberg for what the web can do and how it changed our lives.
Join me in this session to explore the evolution of the web and look at the challenges ahead.


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Tyranid Battleforce & Hive Tyrant Commission
Well I don't get to paint Tyranids very often so when I was asked to a commission for them , I jumped right on it. I had painted some Tyranids last year for the same person, those models were part of the new Space Hulk set that GW released. So he wanted them painted in the same purple that they were with the only difference being that the armor plates be painted red. With some of the inner parts painted in a glowing green.
The models were only to be painted table top quality. Other then Hive Tyrant which I went a little further on. As for the basic battleforce units there were basecoated purple then washed with leviathan purple. After that I painted all the inner parts Knarloc Green and then went back over them with Scorpion Green, followed by a Thraka Green Wash. After that I painted the armor plates Mechrite Red then went back over them with Blood Red and Blazing Orange, followed by a
thin wash of Baal Red. The Bases were pretty straight forward Ash waste look that seems to be the standard for most 40k models lately. Also I gave the Tyranid Warriors bone sword. I made them from plastic card and used one of the scything talon arms and removed the talon and replaced it with the new plastic bone-sword, They turned out great and were very easy to make.
As for the Hive Tyrant, I did most of the same things as above other then going a little further by highlighting the purple and adding a little white to the red mix for the final highlight to really make him snap. The model itself has some small conversions in it. I moved the position of the whip and modified one of the fingers to make him have a more realistic battle pose. I also shifted the hips and added in some of the newer Scything Talons.
Over all I am very happy with how they turned out and even inspired me to build a small force of my own. Next up on the webpage will be Imperial Guard part 2, these guys are an addition to a recent Guard force that I posted not to long ago. Till next time.
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Ecology: Pharmaceuticals appear in Australian river food webs
Nature Communications
Over 60 pharmaceutical compounds have been detected in aquatic invertebrates and riparian (riverbank) spiders from six streams near Melbourne according to a study in Nature Communications. The authors suggest that pharmaceuticals are transferred to spiders when they eat invertebrates. Preliminary estimates suggest that platypus and brown trout - at the top of the stream food webs - could, in principle, be exposed to certain drugs in their diets at up to 50% of levels prescribed for human doses.
Chemicals that humans use every day, such as medicines and personal care products, end up in nearby watersheds because they are not effectively removed by wastewater treatment. However, their biological activity, exposure and ecological effects remain poorly understood.
At six streams near Melbourne, Australia, Erinn Richmond and colleagues tested aquatic insects and terrestrial spiders for concentrations of 98 different pharmaceuticals, including antidepressants, pain killers, antibiotics, and antihistamines. The authors found that both insects and spiders contained detectable concentrations of over 60 chemicals. The concentrations were much higher in the riparian spiders, known predators of the insects, suggesting that the chemicals had 'biomagnified', or increased in concentration at higher levels in the food chain.
The authors then used the information on chemical concentrations in insects to estimate the pharmaceutical exposure of other insect predators in the food web: brown trout and platypus. Based on their calculations, the authors estimate that platypus could be ingesting approximately 50% of the recommended daily human dose of anti-depressants.
Further work is needed to explore the direct effects of these novel aquatic contaminants.
doi: 10.1038/s41467-018-06822-w
리서치 하이라이트
Climate change: Urban greening can help reduce accelerated surface warming in citiesCommunications Earth & Environment
Ecology: Drought has life-long consequences for red kitesNature Communications
Geoscience: Diamond from the deep reveals a water-rich environmentNature Geoscience
Environment: Human contribution to Middle East's poor air quality underestimatedCommunications Earth & Environment
Planetary science: Mars InSight lander records impact of meteoroidsNature Geoscience
Climate change: Potential global threat to city greeneryNature Climate Change


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Twins break season homer record during 10-7 loss to Tigers
DETROIT (AP) — The Minnesota Twins capped a night of sensational slugging by breaking the major league record for home runs in a season, but that wasn't enough to overcome Detroit's seven-run third inning in the Tigers' 10-7 victory Saturday.
The Twins homered six times to bring their season total to 268, one more than the New York Yankees managed last year. Minnesota broke the mark when Mitch Garver led off the ninth with a drive to left for his second homer of the game.
Max Kepler, Jorge Polanco, C.J. Cron and Nelson Cruz also went deep for Minnesota, which passed the 1997 Mariners (264 homers) during the game. Martín Perez (9-6) got the loss.
Ronny Rodriguez hit a pair of two-run homers for the Tigers, who snapped a six-game skid and halted a six-game winning streak by the AL Central-leading Twins. Matthew Boyd (7-10) earned the win.
ANAHEIM, Calif. (AP) — Albert Pujols homered in a seven-run eighth inning, Mike Trout became the youngest player to reach at least 275 home runs and 200 stolen bases and Los Angeles rallied for a victory over Boston.
Pujols' three-run shot to right-center off Josh Smith is the 3,184th hit of his career, tying him with Cal Ripken Jr. for 14th all-time. It was also his 20th homer of the season, making him the fifth player with at least 17 seasons of 20 or more homers.
Los Angeles trailed 4-3 going into the bottom of the eighth before blowing it open with six runs and five hits off Ryan Brasier (2-4).
Trout — who was 1 for 3 with an RBI — stole his 200th base during the second inning, becoming the first player to have at least 275 home runs and 200 stolen bases before their age-28 season. Trout turned 28 on Aug. 7, but age-season is defined by how old they are on June 30.
Luis Garcia (2-1) worked a scoreless eighth to get the win.
Boston's J.D. Martinez extended his hitting streak to eight games with two hits along with two RBIs. Mookie Betts added three hits.
WASHINGTON (AP) — Stephen Strasburg struck out 14 in eight crisp innings and Anthony Rendon homered twice, powering the Nationals to the victory.
Strasburg (16-6) retired 22 straight after allowing two first-inning singles. The right-hander did not walk a batter while throwing 107 pitches, and he also contributed an RBI single at the plate.
Juan Soto and Kurt Suzuki also homered for the NL wild card leaders, who have won three straight and eight of nine.
The Marlins extended the franchise record with their 14th consecutive road loss.
Miami's Pablo López (5-7) allowed six runs and six hits in three innings.
NEW YORK (AP) — DJ LeMahieu homered on the first pitch in the bottom of the 11th inning, handing the Yankees their first victory in five tries against the Athletics this season.
Aaron Judge hit a tying homer for New York with two outs in the eighth, his 19th of the season. The 6-foot-7 Judge also took a potential home run away from Matt Chapman in the 10th, barely needing to leave his feet for a grab at the right field wall.
Gary Sánchez went deep twice for the AL East leaders, and Cory Gearrin (1-2) got his first win with New York.
Lou Trivino (4-6) was beginning his third inning of work when he surrendered LeMahieu's 24th homer.
PHILADELPHIA (AP) — Wilson Ramos matched his career high with four hits and extended his hitting streak to 24 games, helping the Mets to the road win.
Todd Frazier had three hits and two RBIs for the Mets, who pulled within four games of the Cubs for the second NL wild card. Frazier also made a stellar run-saving catch in the sixth inning.
Ramos had three singles and a double, upping his average to .446 (41 for 92) during the streak.
Bryce Harper homered for Philadelphia, which remained 3½ games behind the Cubs. Former Mets left-hander Jason Vargas (6-7) gave up five runs in four-plus innings.
Steven Matz (9-8) pitched five-plus innings for the win, and Seth Lugo got six outs for his fourth save.
ST. PETERSBURG, Fla. (AP) — Tommy Pham, Avisail Garcia, Ji-Man Choi and Travis d'Arnaud homered, powering Tampa Bay to the victory.
The Rays have won the first two games of the three-game set to tighten the AL wild-card race. Cleveland holds a half-game lead over Tampa Bay and Oakland for the first wild card.
Carlos Santana and Francisco Lindor went deep for the Indians. Zach Plesac (7-5) got the loss.
Cleveland second baseman Jason Kipnis left in the seventh with right wrist discomfort.
Jalen Beeks (6-3) pitched three scoreless innings for the win, and Emilio Pagán got two outs for his 16th save.
ST. LOUIS (AP) — Matt Carpenter and Harrison Bader hit run-scoring singles during St. Louis' two-run ninth inning, sending the Cardinals to a sweep of the day-night doubleheader.
Each of St. Louis' four batters reached in the ninth. Tommy Edman singled and Yadier Molina was hit by a pitch from Raisel Iglesias (2-11) before Bader tied it at 2 with a single to left.
Kevin Gausman then came in, and Carpenter's pinch-hit single drove in Molina for the dramatic victory.
St. Louis (75-59) improved to 8-1 in its last nine games and moved 2½ games ahead of the second-place Chicago Cubs in the NL Central.
Dakota Hudson (14-6) led the Cardinals to the win in the opener, striking out eight in a career-high 7 2/3 innings. Dexter Fowler and Yadier Molina homered.
St. Louis and Cincinnati will play another doubleheader on Sunday.
John Gant (10-0) got the win in the second game after he escaped a bases-loaded jam in the ninth.
Cincinnati wasted a terrific performance in the nightcap by Sonny Gray, who allowed an unearned run and five hits in 6 2/3 innings. Trevor Bauer (10-12) pitched just four innings in the opener.
Eugenio Suárez hit his 39th homer for Cincinnati in Game 1, and Josh VanMeter and Joey Votto connected in Game 2.
CHICAGO (AP) — Manny Piña drove in two runs with a first-inning single and Josh Hader finished a strong performance by Milwaukee's bullpen.
Ben Gamel added three hits as Milwaukee pulled within four games of Chicago for the second NL wild card.
The Brewers used five pitchers in the six-hitter. Junior Guerra (8-4) worked 1 2/3 innings for the win, and Hader earned his 27th save by recording five outs on just 12 pitches.
Chicago wasted a solid performance by Cole Hamels (7-5), who allowed five hits in six innings. The Cubs had won four in a row.
TORONTO (AP) — Cavan Biggio and Teoscar Hernandez each hit a two-run homer, leading Toronto to the victory.
Biggio drove in three runs and scored twice against the team his Hall of Fame father Craig starred with for 20 seasons.
Clay Buchholz (1-3) allowed two runs in 5 2/3 innings in his first win since Aug. 22, 2018, for Arizona against the Los Angeles Dodgers.
Former Astros closer Ken Giles struck out George Springer, José Altuve and Alex Bregman in the ninth for his 18th save in 19 opportunities.
Houston has lost two of three after winning six straight and nine of the previous 10. Framber Valdez (4-7) was charged with six runs and nine hits in 5 2/3 innings.
KANSAS CITY, Mo. (AP) — Whit Merrifield hit a tiebreaking sacrifice fly in the eighth inning after Kansas City loaded the bases on three bunts.
Bubba Starling hit his first homer at Kauffman Stadium after growing up about 30 miles away, and Hunter Dozier connected for the 24th time this season for Kansas City.
Scott Barlow (3-3) got the win with 1 2/3 perfect innings. Ian Kennedy pitched a perfect ninth for his 24th save.
Anthony Santander went deep twice for the Orioles, who fell apart defensively in the eighth when Kansas City tried to play small ball. Paul Fry (1-6) got the loss.
PHOENIX (AP) — Eduardo Escobar homered for the third straight game and Arizona beat Los Angeles in front of a crowd of 50,180, a single-game attendance record for Chase Field.
Escobar's solo shot was his 10th home run in August and 32nd of the season. The homer came off Dodgers closer Kenley Jansen in the bottom of the eighth inning.
Christian Walker and Wilmer Flores hit back-to-back home runs off Dodgers starter Clayton Kershaw (13-4).
Kershaw, who lost his second straight start, was charged with five runs on five hits, six strikeouts and two walks in five innings.
Justin Turner and Will Smith homered for the Dodgers.
Robbie Ray (12-7) earned the win.
ATLANTA (AP) — Dallas Keuchel collected his first RBIs since his rookie season and held Chicago to two runs in six innings in the win for Atlanta.
The Braves knocked Reynaldo López out of the game with a six-run first inning that included Keuchel's two-run single up the middle.
The White Sox have lost five straight and allowed a combined 21 runs in losing the first two games of the interleague series with Atlanta.
Josh Donaldson hit his 33rd homer in the eighth off Kelvin Herrera, Chicago's sixth pitcher.
Keuchel (6-5) earned his third straight win. He allowed nine hits but no walks.
Lopez (8-12) recorded only two outs in his shortest start of the season. He was pulled after giving up Keuchel's single on his 42nd pitch of the inning.
ARLINGTON, Texas (AP) — Isiah Kiner-Falefa hit a walk-off single in the ninth inning after Texas rallied with the help of a video review and beat Texas.
Elvis Andrus scored the tying run in the ninth after he was originally ruled out by home plate umpire Jansen Visconti. The play was overturned via replay review.
Andrus led off the ninth against Matt Magill (4-2) with his second double of the game. After he went to third on Willie Calhoun's ground out, Nick Solak grounded to short. Andrus broke on contact and beat Dylan Moore's throw with a headfirst slide. Visconti ruled out, but crew chief Jerry Meals called for a review that overturned the play.
Solak reached first, then went to third when Dee Gordon misplayed Rougned Odor's grounder for a two-base error. Danny Santana was intentionally walked, and Kiner-Falefa stroked the winning single to right-center.
Emmanuel Clase (2-2) pitched out of a jam in the top of the ninth to get the win.
DENVER (AP) — Josh Bell hit his 35th homer, Kevin Newman homered on the first pitch of the game and Pittsburgh beat Colorado.
Newman has nine hits, including three homers, in 14 at-bats in the series, and this was his second leadoff shot. Jose Osuna also connected, and the Pirates won for the 14th time in 18 games at Coors Field. Pittsburgh will try for a sweep Sunday.
Ryan McMahon and Daniel Murphy homered for the Rockies, who have lost five in a row and 11 of 13. A loss Sunday would be the second time in a week Colorado has been swept in a four-game series.
Tim Melville (1-1) took the loss.
Joe Musgrove (9-12) went six innings to get his first win in six starts.
SAN FRANCISCO (AP) — Wil Myers homered, Manny Machado was 2 for 3 with a triple and Joey Lucchesi pitched six strong innings as San Diego defeated San Francisco.
Machado tripled off reliever Tony Watson (2-2) to lead off the eighth inning of a 1-1 game. Josh Naylor singled through the left side of a drawn-in infield off Watson, scoring Machado with one out.
Myers hit a two-run homer off Will Smith in the ninth to make the score 4-1.
Craig Stammen (7-6) pitched two shutout innings for the Padres, who have won two of three after losing six of eight.
Austin Slater homered for the Giants, who have lost four of their last five games and eight of 11.
Padres closer Kirby Yates worked the ninth for his 39th save in 42 chances.
More AP baseball coverage: www.apnews.com/MLB and www.twitter.com/AP_Sports


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Bangalore, India, 18th January 2017/Team Estrade//– i-exceed Technology Solutions, a leading enterprise mobility solutions provider, today announced that Karnataka Bank takes a step forward to go digital, with the launch of its new age Appzillon Mobile banking app.
Karnataka Bank is a progressive bank headquartered in Mangalore with a strong national presence catering to both Retail and Corporate banking sectors. As a part of their growth strategy and the need to offer Digital solutions, Karnataka Bank wanted a solution that offers rich functionality, easy deployment, flexibility to enhance and keep pace with business and digital requirements. After evaluating many vendors, Karnataka Bank decided to partner with i-exceed Technology Solutions to fulfil their mobility needs. The Appzillon Mobile banking app will enable customers to perform a large portion of their banking business from their mobile devices.
"In pursuit of excellence in customer service, Karnataka Bank has launched yet another customized & user-friendly new version of KBL-Mobile app, through which our valued customers can literally carry the bank in their pocket and perform the transactions on the go. KBL Mobile app is available in Android, Windows (Microsoft), iOS (Apple) platforms and customers can download from the respective play stores free of cost" said P Jayarama Bhat, Managing Director & CEO of the Karnataka Bank.
The Appzillon Mobile banking app also supports SMS, USSD and IMPS channels to address the needs of all its customer segments. Since its launch, the app has been downloaded and used by significant number of Karnataka Bank's customers and has received positive feedback regarding its ease of use and functional versatility.
S Sundararajan, Executive Director at i-exceed commented, "Karnataka Bank going live with Appzillon mobile banking app is the testimony to our ability to deliver superior digital solutions in terms of user experience, flexibility and integrating to the existing eco-system. The customer base of Appzillon (Platform and Application suite) has been expanding over the last two years, both in India and overseas. Thereby, a clear sign of the growing confidence in Appzillon's technical prowess and i-exceed's ability in providing intuitive digital banking solutions".
i-exceed is a Financial Technology company with deep domain expertise in Banking products and services. The Appzillon Development platform and Digital Banking suite is developed by a team with rich experience of developing and implementing world class digital banking products. The architecture of the platform lends itself to rapid development and deployments of digital applications in addition to providing for high degree of user experience.
The platform and Application suite is continuously enhanced to cater to newer technology advances both in operating environments as well support of new features, like wearables and chatbots.
Karnataka Bank goes live with i-exceed's Appzillon Mobile Banking