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Over the summer holiday period, schools will no longer be providing emergency childcare to the children of critical workers or vulnerable children. The local authority intends to signpost parents towards existing Care Inspectorate Wales (CIW) registered childcare providers, who, as a result of a recent Welsh Government announcement, from 22 June will be in a position to increase operations and therefore be available to provide childcare during the summer holidays.
Parents requiring childcare are therefore encouraged to use these registered, private providers.
Further information is available by contacting Swansea Family Information Service
Childcare in Swansea
Information on how to find and choose childcare, what to consider and the different types of childcare identified, along with a list of childcare providers.
Childcare summer provision 2020
List of childcare provision still operational in Swansea during the summer.
Covid-19: Childcare for vulnerable pre-school children
Childcare assistance for pre-school children that have been assessed by Swansea Council as being vulnerable.
Covid-19: Summer childcare for vulnerable school aged children
Summer holiday childcare for school aged children that have been assessed by Swansea Council as being vulnerable.
Childcare directory
The directory will provide you with a list of childcare providers. Based on your search you will have the option to filter more specific and detailed information.
Are you unable to find suitable childcare?
Please tell us if you are looking for childcare, or haven't been able to find the childcare you need.
Childcare Survey
We would really like to hear your views on childcare in Swansea, in terms of both what you currently access and what additional provision you would like to see.


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Lazarus Church in Larnaka on Cyprus. Biblical Lazarus after he was resurrected by Jesus Christ he moved to Larnaka where he lived till his death. Church was funded by wife of Constantin emperor of the Rome.
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Bluebells (Eight Photographs)
Images inspired by paintings of Keith Melling Keith Melling is one of England's leading landscape painters. Born in 1946, he has been drawing and painting for as long as he can remember. His first exhibition of 40 paintings was in 1966. Although making use of a wide variety of mediums and techniques, including wood engraving, etching, watercolour, gouache, acrylic and pastel, it is oil paint made by himself in the [...]

subset: commoncrawl


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Should Djokovic Be Odds-On For The French Open?
There is no Men's Tennis this week, so it looks a perfect opportunity to take an early look at the French Open (the second Grand Slam of the season) to see whether Novak Djokovic should really be odds-on to claim that so far elusive French Open title he needs to complete his Grand Slam.
The French Open, played on the slow clay courts of Roland Garros, is universally accepted as the most brutal test of the tennis season, and the winner will not want to endure too many five-set matches on the way to the final. It's a test that should suit the supremely fit Djokovic but, as he's yet to claim the crown, let's take a look at which of the world's top-10 players may stand in his way.
Andy Murray 12/1
Murray has made the semi-finals in 3 of the last 5 years, but lost an epic 5-set match to Djokovic last year. That may well have left Djokovic fatigued for the final, but it's Djokovic that has won all 3 of their matches on clay, and 11 of their last 12 matches on all surfaces.
Federer 33/1
Federer has won one French Open title, but it has always been his least favourite of all the Grand Slams. The slow courts are of no benefit to him, and his ageing legs really aren't up to two weeks of elongated rallies. The score between he and Djokovic is 4-4 on clay court encounters, but reaching the latter stages may be a problem for him.
Wawrinka 8/1
Last year's winner may not be up for the run-of-the-mill tournaments week in week out, but his A-game is one of the few that can unsettle Djokovic even when the world number 1 is at the top of his game. Has won 2 of their 6 clay court matches, and 2 of their 6 most recent head-to-heads.
Nadal 5/1
The nine-time French Open Champion is more at home on these courts than anyone, and his heavy top-spin is a formidable weapon. Leads Djokovic 14-6 in clay head-to-heads (though did win first 9), but will have to discover his best form after losing in straight sets to the Serb here last year.
Nishikori 25/1
Reached the quarter-finals for the first time last year, but has lost both his clay court matches to Djokovic, and their last 5 head-to-heads.
Berdych 50/1
Reached the semi-finals in 2010, but hasn't repeated that since. Slow courts aren't really his thing either, though he's won 1 of his 3 matches on clay against Djokovic.
Ferrer 100/1
Has won plenty of clay-court titles, but never really seemed to recover from his 2013 final defeat. Lost his last 3 matched against Djokovic on clay, and has a terrible recent record against him.
Tsonga 66/1
Always had the power to trouble anyone, and no surprise that he's reached the semi-finals in two of the last three years. Tends to make life hard for himself with too many long matches, but made Wawrinka work hard last year. Lost all his clay court matches to Djokovic though, including here in 2012 and 2014, and only won 1 of their last 11 matches.
Gasquet 200/1
Never ventured past the fourth round here, and was brushed aside by Djokovic in straight sets here in 2011 and 2015.
Djokovic could easily win but if you didn't take the 10/11 about him winning the Australian Open, a tournament he's dominated in recent seasons, it's hard to see why 5/6 about winning a tournament he's yet to win is value.
Instead, the value looks to be in backing both nine-time champion Nadal at 5/1, and last year's winner Wawrinka at 8/1.
Nadal @ 5/1 (Skybet)
Wawrinka @ 8/1 (Various bookmakers)


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Scooter lovers and fashionistas will have another lifestyle product to choose from with the launch of the Vespa 946 Emporio Armani version and the 70th anniversary edition Vespa in India on 25th October, 2016. The design of the scooter goes back to the 1946 Vespa which can be seen in the vintage silhoutte.
At heart, it will be powered by a 125cc, 4-stroke 3V engine with electronic injection. The italian marque has beautifully amalgamated the vintage italian design with modern features by packing in features like projector headlamps, ASR Traction control, two-channel ABS, 220 mm double disc brakes, 12-inch wheels and a LCD display as well.
Initially the 946 will be introduced as a CBU. It was first showcased in 2016 Auto Expo, Delhi which proved to be a head turner then, in the Piaggio pavilion.
When it comes to pricing, the Vespa 946 Emporio Armani will be the costliest amongst the scooters in the country. The 946 is expected to join its siblings at the Motorplex dealerships across India which also takes care of the sales of the company's other brands, Aprilia and Moto Guzzi.


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Advice On Taking Out A Home Mortgage Straight From The Experts
Walking through the finer financing details can be a big thing. To get your loan finalized, you need a thorough understanding of the process. Luckily, the information below will help.
Predefine your terms before applying for a mortgage, not just to show the lender that you can handle the arrangements, but to keep your monthly budget aligned as well. You must have a set budget that you are sure that is affordable in the future, and not just focus on the home you want. You do not want to buy an expensive home that leaves you cash poor.
A good rule of thumb is to allow up to 30% of your earnings to be spent on your monthly mortgage payment. If it is more than that, you may have trouble making the payments. You will find it easier to manage your budget if your mortgage payments are manageable.
Never abandon hope after a loan denial. Visit another mortgage broker; then apply for a home loan. Every lender is going to have a certain barrier you must pass through to get your loan. That is why it can be better to apply with more than one of them to obtain the best results.
Get a full disclosure on paper before you refinance your mortgage. This needs to include costs for closing and whatever else you have to pay. There could be hidden charges that you aren't aware of.
Look at interest rates. Getting a loan does not hinge on interest rates, but it does factor into your ability to afford it. Make sure to understand rates and realize the impact they have on monthly payments. Do not sign your mortgage loan documents until you understand exactly what your interest expense will be.
If you are having troubles with your mortgage, get some help. Counseling is a good way to start if you are struggling. HUD offers mortgage counseling to consumers in every part of the country. With the assistance of counselors that are HUD-approved, you can obtain free foreclosure-prevention counseling. To find a counselor in your area, check the HUD website or call them yourself.
Learn about the various types of home mortgage that are available. There is more than one kind of home mortgage. Knowing the various types and then comparing them to one another can help you see the type that is best for your situation. Your lender is a great resource for information about the different mortgage loan options.
Are you considering a mortgage loan? Remember, banks are not the only avenue to getting this loan. You might ask your family to loan you money for the down payment. You may also be able to work with a credit union because they have a lot of good rates usually. Make sure to explore a range of mortgage options before deciding.
If you are unable to obtain a mortgage from your credit union or bank, talk to a mortgage broker. In many cases, brokers can identify mortgages that suit your needs more easily than other lenders. Brokers work with a variety of lenders.
Do your research about the fees included in a mortgage. You'll be shocked by how many there can be! It can make you feel overwhelmed and stressed. But, by doing some legwork, you can be a knowledgeable loan shopper and get a great deal.
Compare more than just interest rates when you are shopping for a mortgage broker. Of course, getting the best interest rate is very important. In addition, you need to evaluate all types of mortgage products. Think about closing costs, points and other associated expenses when saving money for you home loan.
Consider getting a home mortgage that allows you to make payments every two weeks. By doing this you are doubling the amount of payments you make, and that lessens greatly the amount of interest you will pay back over the course of the loan. It can also fit into your schedule if you are paid every other week. The house payment would come out automatically.
Do not lie. It is very important to be honest when securing your mortgage financing. Do not exaggerate your salary. Do not under-report your outstanding debts. This may result in you obtaining more debt that you are able to pay off. It can seem like a good idea at the time, but it will forever haunt you.
Look into prepayment penalties before signing up for a loan. If you have excellent credit, you should not give up this right. Pre-paying can save a lot on the interest during the course of your loan, which is why you must be aware that you're giving up this essential opportunity. This is not to be abandoned without serious consideration.
Realize that you are going to have to provide the lender with several different documents. Get them together before you even apply. Provide each part of the documents, as well. This can make the process go much smoother.
Never quit a job while you are in the process of obtaining a home mortgage, even if the job is miserable for you. Job changes get reported to lenders and can affect the outcome of your mortgage. The lender might completely pull out of the deal.
Before you begin the process of applying for a mortgage, speak with a loan officer to ask what documentation will be required. Having everything available ahead of time will speed things up since you won't have to run around trying to get all of your paperwork together.
If you receive a communication from a mortgage broker through mail, email or phone, stay away! Quality mortgage brokers do not have to try very hard to get clients, so you should see this as a warning sign.
The information about home loans should get things moving along the proper path. While it may feel daunting at first, do not be afraid to search for additional information to make yourself an informed consumer. Using these tips will help you get a better mortgage in the end.


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The Conference Board Leading Economic Index® (LEI) for the Euro Area has been on a downward trend since the beginning of 2018. The driver behind the decline is the manufacturing sector. When is the downturn of the manufacturing sector bottoming out? Not yet, but there are some early signs of recovery in business confidence among German producers. Investment contributed strongly to growth in the Euro Area in Q2. However, this may be the result of one-off adjustments related to industrial production. A possible decline may be compensated for by more government spending.
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Yesterday saw the end of the 2019 AFL home-and-away season, and that means that for ten AFL clubs 2019 is at an end, and all eyes are on next year.
Today I'll begin my club-by-club list analysis and offseason preview series with 2019's wooden spooners, the Gold Coast Suns.
Let's call a spade a spade. Gold Coast are not a particularly interesting football club.
They've been regularly uncompetitive throughout what is now a nine-year history, and the strategies one could suggest for their list management broadly fall into two categories: unrealistic, or ineffective.
The topics of interest here aren't as numerous as they'll be with other sides, though there are some – in particularly, the thorny issue of an impending priority pick, which we'll describe at length.
The upside to that is that, this being the first installment of this series, we'll have space to discuss in detail how we'll be analysing each of the AFL's 18 clubs.
We will begin with a look for each team at a broad picture of their list management strategy over the past few years, measured using the AFL's Draft Value Index.
Some of you may be (un)lucky enough to have heard me rant before about the issues of the DVI. Don't be misled by this analysis – I haven't changed my mind. Personally, I feel the DVI is a poor way to analyse individual trades, especially those that don't have any relevance to the father-son/academy bidding process.
However, I do believe there's scope to use the DVI to analyse drafting and trading patterns on a broader level. It's far from perfect, but it's the most objective method available for us to quantify the investment clubs are making in the draft or the trade period, as well as the means by which that capital arrives at the club to begin with.
In the below chart you can see the origins of Gold Coast's DVI capital over the last five years, divided into two categories – organic, and trade. Trade refers to DVI received through trading players out of the club or losing free agents, while organic refers to DVI gained through any other circumstance.
You can also see how this DVI has been spent by the Suns to recruit new players to their list either via the draft, or via trades. This is represented as a percentage of overall DVI spend.
|Gold Coast Suns Draft-Trade Analysis 2014-18
So, what does this tell us about Gold Coast's list management over the last five years? The standout statistic here is the sheer volume of DVI the club has had access to in that period of time.
Organically Gold Coast have acquired about 2700 points more than the league average, and the fourth-most of any club in the league over this period of time behind Brisbane, Carlton and St Kilda.
Where they really outstrip the competition however is DVI acquired via trade, where their total of nearly 13,000 is more than double the league average of 5000. Only GWS have received more in exchange for outgoing players during this time.
The end result is that no club in the league has had more DVI capital at its disposal over the past five years than this one – and yet they find themselves at the bottom of the ladder, and by some margin.
The reason for this, of course, is that cycling so much DVI through the club has not been a deliberate list strategy, but rather, the only path the Suns have been able to go down given the difficulty they've faced trying to retain talent.
Unlike GWS who have a similar profile on the raw numbers, Gold Coast have rarely if ever been able to see their investments mature and have had little to no control over which players do or don't leave their club.
In terms of the balance between drafting and trading, the Suns aren't especially interesting. Their average mix over the last five years of roughly three-quarters in the draft and one-quarter into trades is almost bang on the league average.
Next, let's look in more detail at how Gold Coast have used the draft. In addition to their DVI spend, I'll also be using AFL Coaches Association votes to analyse how successful their drafting has been.
AFLCA votes are determined each match by the senior coach of each side awarding votes to players on a 5-4-3-2-1 basis, for a total of 30 votes awarded in each match and a maximum of ten votes available for the best player on the ground.
Again, like the DVI, these don't make for perfect analysis, but I believe they convey an effective picture of the quality of output from AFL players over a broad period of time, especially from the angle of looking to anaylse how often players have a significant impact on a match.
My thanks goes out to the AFLCA for providing an historical archive of votes from which I was able to produce this analysis.
In the table below you can find not only Gold Coast's DVI spend at the draft each year, but the number of players drafted, and the number of AFL games and AFLCA votes those players have gone on to record in the time since.
Only games played/votes received while at the club are listed here – not any that might have occurred after the player moved to a different club.
|Gold Coast Suns Draft Analysis 2014-18
Apparent again here is the significant investment Gold Coast have been able to make in the draft over the past five years. Only GWS have put more DVI spend into the draft over this period of time, and no other club in the league has drafted even nearly as many total players as the Suns.
Again, this likely wouldn't be their strategy of choice, if a choice was available to them. The club would likely prefer to invest a great proportion of their DVI into trades, but simply aren't an appealing enough destination for players worth the spend to want to join them.
Unsurprisingly the Suns' draftees over this period of time have gone on to play a well-above-average number of games for the club – the most of any side in the league over this period of time, and more than 200 over the average.
What's more concerning is that despite possessing abundant opportunity, those players have produced less than the league average number of AFLCA votes over this time period.
This doesn't necessarily mean Gold Coast have made poor choices at the draft – an overall look at the league suggests it's hard for young players to shine in a team that's struggling, with Carlton and St Kilda both also failing to hit the average despite pumping games into youngsters over this time.
That raises a different concern though – if playing in a struggling side makes it difficult for young players to develop, and developing young players is your plan to stop struggling, then where does the circuit breaker come from?
We can look at trading in the same way we look at drafting. However, there should be a caveat here – the maths of DVI spend is a lot less clear cut when it comes to trades than the draft.
Draft picks have a habit of moving around in the order – and so changing in value – both before and after trades are completed, plus there's the thorny issue of free agency.
I've applied a consistent approach throughout when tallying up each clubs' trade-and-free-agency spend, but you could easily go in a different direction and come out with a totally different set of numbers, albeit one that I think would still broadly reflect the same patterns of movement.
|Gold Coast Suns Trade Analysis 2014-18
Observable across the entirety of the league is that trading has a quicker impact on a team's fortunes than drafting does.
For example, if you invest 1000 DVI points in the 2014 draft, you could expect an average return from that of about 70 AFL games and 22 AFLCA votes over the last five years.
Put that same investment into a trade in 2014 and you'll get a bigger impact – an average output of 100 AFL Games and 61 AFLCA votes.
The other side of the coin, of course, is that drafting is likely to be a better investment over the longer period, if you're willing to be patient. AFL clubs generally aren't – the average proportion of DVI capital spent on trades has increased (non-linearly) from 24 per cent to 31 from 2014 to 2018.
Gold Coast's numbers here are a similar story to that of their drafting. They've been able to make a larger investment than most clubs, and are getting a good return in terms of games played, but not when it comes to quality of performances.
The Suns' trade-ins from 2014 onwards have amassed just barely half the league average of AFLCA votes during this period of time.
No other club has spent so much to achieve so little – Carlton, who've spent around 5000 DVI points on trades for a return of 81 votes, are the closest.
How each side drafts and trades will, of course, shape the overall profile of their list, and the outcomes of this tell us a lot about where the club is at and what expectations it's reasonable to have of them.
The chart below shows three age brackets – youth (18-22), prime (23-27), and veterans (28+). We'll look at how many players each club has in each category, and then can also see where clubs decided to invest AFL game experience this year and the outcome in terms of AFLCA votes they were rewarded with.
|Gold Coast Suns list profile
|% of total
|% of total
Given their drafting and trading over the past five years it's no surprise that Gold Coast have an abundant amount of young players on the list, and are marking a significant games investment into them.
Carlton are the only club with more players in the 18-22 bracket on their playing list, and no other team in the league pumped more games into this age group in 2019 than Gold Coast.
This age bracket is producing a below-average number of AFLCA votes for the Suns, but that's not surprising, for the reasons we've already discussed. They're at least reasonably close to the average which is about 57.
More problematic is the lack of contribution coming from players in the prime and veteran age bracket. They've had 63 votes from players 23-27 this year compared to a league average of 180, and just eight votes from players 28+ when the league averaging 72.
"Get better senior players" is therefore unsurprisingly the obvious path for Gold Coast to go down, but the big question is – and it's one they've struggled with for years – how?
Our last piece of analysis for each club on the stats, here we'll take a quick look at what kind of 22 they were able to put out on the field each week, and how that informs our judgment of their 2019 performance.
Thanks to Stats Insider for providing the age and experience data that makes this section possible – I highly recommend their AFL prediction and shot charting tools, if you haven't seen them already.
Gold Coast, as you might expect, were at the bottom of the table this year for both the average age (23.9 years) and games experience (70.5 matches) of their average playing side.
They fielded a younger side than their opponents in all 22 games, and only held a more experienced side than their opponents once all season – against Essendon a few weeks ago, when they nearly caused what would've been seen as an upset.
These stats do matter, without necessarily being a bible. This season's results show that the team ahead on age and/or experience wins about six out of ten games.
The reverse of that says a younger or inexperienced side should get up about 40 per cent of the time, a mark that Gold Coast clearly fall well below.
Especially concerning is that all three of their wins were by margins of less than a goal. Break a few more mirrors in the preseason and this club could easily have gone 0-22.
Gold Coast's saving grace is that – and this is not an uncommon theme for them – their year was significantly hampered by injury.
To quantify this I've created the Experience Utilisation Rate which shows the percentage of games experience on the list each club was able to put on the field on average across the season.
As if having one of the league's least experienced lists wasn't bad enough, the Suns also suffered an EUR of 61.3 per cent, the third-worst in the league and well below the 67.2 per cent average.
Verdict: About fair. Gold Coast's performances this year weren't great, but if you look at the barriers that stood between them and competitive footy, they did about as well as one could reasonably expect.
Rather than a complete contract list as I've done in previous years, in this section we'll take a quick look at those players each club has out of contract.
We'll also take a squiz at – if there are any – those who will be free agents next year, or 'pre-agents', as Ryan Buckland would call them, given the trend towards trading these players early that's developed recently.
Out of contract
Callum Ah Chee, Brayden Crossley, Jacob Dawson, Sam Fletcher, Jacob Heron, Nick Holman, Jack Leslie, Jack Martin, Tom Nicholls, Connor Nutting, Mitch Riordan, Brad Scheer, Harrison Wigg
The obvious name drawing attention here is Jack Martin, who seems likely to seek a move away from the club via trade – we'll discuss that more soon enough.
But two who have flown under the radar are a former top-ten draft pick in Callum Ah Chee and ruckman Tom Nicholls. Expect Nicholls to look for a new home if possible, while Ah Chee remains something of an enigma.
Of the remaining names, Nick Holman is one who you'd assume will be retained without too much question, while the club faces a more difficult decision on Brayden Crossley, who is facing a lengthy suspension.
Jarrod Harbrow
Nothing to see here. If Harbrow had any plans to leave the club he'd have done so a while ago.
Holman and Nicholls are both free agents at the Suns this year as are Jack Leslie, Brad Scheer and Harrison Wigg. None of them look likely to attract anything in the way of significant compensation if they do.
Where Gold Coast appear more likely to make headlines in the free agency space this year is with their pursuit of Fremantle veteran Stephen Hill.
There's a strong argument to make for Gold Coast pursuing Hill – their list profile shows a clear need to add senior players, and Hill, being an outside-leaning player, would provide a point of difference to the more nuggety types they've acquired in recent years.
The reason Gold Coast are a serious chance to get someone like Hill on the list is the same reason however that they should arguably be a bit cautious of him – he has spent the 2019 season struggling with injury.
Hill has played just three games this year and a lukewarm 34 across the past three seasons. At 29 years of age, it's debatable whether he'll be able to return to peak fitness.
There's a significant risk the Suns would add him to their list only to find that they cannot get him on the park, further disrupting the development of a side that already struggles to gain a consistent output from their older players.
If the Suns want to look for players who have a bit more in the way of proven durability, there's a few options.
The obvious one and someone they've already been linked to is Shaun Burgoyne. The four-time premiership player was reportedly approached by Gold Coast earlier in the year about a two-year contract that would help him break the 400 game barrier.
Burgoyne would be a perfect fit at Gold Coast – someone with experience of success, elite professionalism, and a huge on-field and off-field presence. The players would hang on his every word.
Unfortunately for Gold Coast, it seems more likely that he'll decide to sign a one-year deal with Hawthorn for 2020.
Other options to potentially pursue in the free agency space would be Justin Westhoff, David Mackay, and Levi Casboult, though the last of these may have activated a trigger extension for 2020.
Looking more at a 'prime-age' player rather than a valuable vet, Brandon Ellis is one who could be a valuable contributor at the club.
Uncertain of a spot in the best 22 at Richmond and with a premiership already under his belt, Ellis might potentially be sway to come to the Suns and mentor younger players – especially if there's a big pay packet included in the deal.
No strangers to speculation about their uncontracted players, Gold Coast have had to endure public interest in Jack Martin all season long.
Martin asked the club for a trade to Essendon at the end of last year, but was given a firm no while still contracted for the 2019 season to come.
Throughout the year there's been some talk coming out of the Suns that they believe Martin could be convinced to stay and commit to the side longterm. And it might not be totally off the table just yet.
Still, after being dropped to the NEAFL late in the season and not returning to the senior side, you'd have to expect the most likely result is Martin again asks for a move, and the Suns won't be able to deny him this time.
It won't be Essendon this time around. The Bombers spent big to secure Dylan Shiel last offseason and simply don't have the room to accommodate another star recruit.
Instead, Carlton are probably the club who have been linked to him most strongly this season, though I'm not sure whether he or Tom Papley is their higher priority (with both, of course, behind Stephen Coniglio).
They've got pick 8 as a bargaining chip and you'd expect that would satisfy the Suns. If not the Blues, clubs with picks in the early teens or better could be in the mix.
More frustrating no doubt for the Suns would be the low hum of rumour around star draftees Jack Lukosius and Ben King, picks 2 and 6 in last year's draft, who've both shown promise this year.
Although both contracted for season 2020, neither has signed an extension beyond that date yet – there's plenty of time, both most of the league's first-round picks have done so.
King in particular has had some whisper that he could look to return to Victoria at the end of the year, though none of the AFL industry's main newsbreakers has yet put their weight behind that story.
Instead a lot of the messaging out of Gold Coast is that there's been a significant change in their culture since the arrival of Stuart Dew, and that the fresh draftees have brought into this.
It's not hard to see how the media could jump the gun a little on a Gold Coast trade rumour and personally I'm more sceptical of this one than most. A space to watch.
In terms of players potentially coming in, Gold Coast have been linked to both Eddie Betts and Hugh Greenwood from Adelaide.
Betts, although clearly in the declining years of his career, is one I would happily support the Suns pursuing. Like Burgoyne, he's the kind of player who will have an immense impact on the playing group.
Betts has made it clear he intends to play at Adelaide in 2020, but one can't help but feel the Crows have a lot of big decisions to make over the next few weeks and nothing at that club should be taken as gospel just yet.
It would take some tempting, but if I were the Suns I'd happily offer Betts a two-year contract at whatever rate he's on right now. Yes, it'll be overs – but they have to pay someone.
Betts may not be what he once was, but he's durable, will put bums on seats, and will have everyone else on the list excited to play with him. That's a winning move in my book.
As for Hugh Greenwood, I'm a little less convinced. He's a quality player, but for mine is probably too similar to those they brought in last year.
Gold Coast obviously have a desire to stock their list with players who are competitive and physical so that can be the basis of their culture, but you can't just have a list of 44 inside midfielders – which is the direction I worry they'd be heading in if they add Greenwood to what they already have.
That said, if they decided to bring him in while cutting some others, that's probably a net improvement. With offers reportedly on the table from Hawthorn and Brisbane also, it's probably a moot point – I doubt he'll make Gold Coast a priority.
Picks inside 30: 1, 17.
After winning their second wooden spoon this season, Gold Coast will enter the draft with the No.1 selection for the first time since they used it obtain current captain David Swallow.
However that might not be all for the Suns when it comes to the pointy end of the draft, in fact, I'm confident in saying it won't be. They want a priority pick and it could be a very early one.
The Suns will ask the AFL for a priority pick at the start of the draft – this would mean their current 'No.1' pick is pushed back to No.2, and they hold the first two selections.
A club hasn't gotten a priority pick of this magnitude since the infamous definitely-did-not-tank Melbourne Demons side of 2009, who used that bounty to recruit Tom Scully and Jack Trengove. I can hardly believe it's gone out of vogue!
All the rumour at the moment is that the AFL will say yes to Gold Coast's proposal. Both Caroline Wilson and Cal Twomey have implied as much in recent weeks, two figures who work in different areas but both have their finger on the pulse. If they say it's likely, I believe it.
This would be a huge boon for Gold Coast as it means they could swoop on the two players who stand head and shoulders above the rest in this year's draft: Matt Rowell and Noah Anderson.
Rowell is a consistent, high-production inside midfielder, while Anderson is a more game-breaking, tall midfielder/forward. Think something like Jack Viney and Jordan De Goey.
Perhaps most importantly, they are great mates! Both play for the Oakleigh Chargers in the NAB League as well as for Vic Metro at the under-18 champs. For those who believe in the philosophy of 'handcuffing' draftees, these two are a perfect fit.
The potential roadblock is of course this: every other club in the league hates the idea of Gold Coast being given a priority pick, especially at the top of the draft.
Unsurprisingly it's Melbourne and Adelaide, the two clubs next in the draft order, who have been most vocal about it. And while, yes, they are protecting their own interests, they do have a fair arguement.
Melbourne coach Simon Goodwin said: "The biggest thing that's changed with priority picks is the ability to trade future picks and I think, personally, when you're trading future picks, you shouldn't have that hanging over your head of a priority pick being in the mix."
Adelaide recruiting manager Hamish Ogilvie has similar thoughts: "We traded into something we'd thought we'd have. To lose that or get pushed back; it's not just us. There are other clubs mid-first round or late-first round, or even second round, you get pushed back.
"I just reckon it puts future trading for the AFL into a little bit of jeopardy when you start throwing other things in. It's a bit of a false economy, isn't it?"
For clubs to make a decision on trading for a future selection – especially one likely to be an early pick – only to have that bumped down the order by a priority pick, is definitely a scenario the AFL would like to avoid. How can they achieve that, and still boost the Gold Coast Suns?
Off-field measures will help more than draft selections here, I believe. I like the idea of allowing northern states extra room under the football department soft cap to pay their staff – so they can afford to pay overs to convince top quality coaches and medical staff to move north – and there's merit in considering some kind of retention allowance for players too, albeit perhaps one more nuanced than previous attempts.
If they specifically want to help Gold Coast at the draft though, I'd suggest instead bring back the 17-year-old 'mini-draft' that was used to support GWS in their first two years.
Essentially these mini-drafts allowed AFL clubs to pre-list 17-year-olds one year in advance – there were two picks in each year, with GWS holding these and being required to trade them to another club.
It's how the Suns got Jaeger O'Meara and Jack Martin, as well as Brad Crouch landing at Adelaide and Jesse Hogan at Melbourne.
If Gold Coast were to be given a similar asset they could most likely sell at least one of these picks to Melbourne for pick 2 and achieve the desired Rowell-Anderson combination without pushing other clubs down the order. Just an idea.
Inside the top 30, the Suns also have pick 17 and will likely get a pick somewhere between 1 and that for Jack Martin. Fisher McAsey, Will Gould, Cody Weightman and Cameron Taheny are players I like for them around the mark of those selections.
"The Suns do have some reasons to be optimistic about the future: they've got great facilities now, Stuart Dew seems to have been a good pick, and they've got plenty of draft currency to invest.
"However, if they don't find a way to stop the rot, they won't survive in the AFL."
It's probably too early to say with confidence whether there has been any significant progress made on getting out of the hole the Suns were in at the end of last year, though there may be some a few quiet reasons for cautious optimism.
While Jack Martin is a good chance to leave the club at the end of the year, that's not nearly as bad a result as seemed like it could be on the cards when the year started.
To see Peter Wright and Will Brodie in particular make longterm commitments to the club this year suggests to me that there just might be something to this supposed cultural revolution under Stuart Dew.
What the club is telling the industry is that they've moved on from the 'entitlement' of early years and now have an environment where players will get out what they put in, and nothing more.
We are yet to see the fruits of that on the field just yet, and because of that it's hard to feel confident that there really is genuine progress being made.
Looking for Gold Coast's light at the end of the tunnel is a bit like squinting at a magic eye poster… and perhaps wondering in the back of your head if you accidentally just bought a regular poster by mistake.
Now that the season is over the priority must be to re-sign Jack Lukosius and Ben King. If those two commit, then that'll be a billboard-sized advertisement to say this club is going in the right direction. A Shaun Burgoyne or Eddie Betts on top would be perfection.
But if not… you have to wonder if all the cultural revolution in the world is any chance of making this franchise a real football club. They can only fail at first hurdle so many times.
Thanks to Stats Insider, the AFL Coaches Association, and Draftguru for providing data and tools to make the analysis in this article possible.


text: Latest Tecom releases Interlogix Australia is pleased to release a number of updates within the Tecom portfolio that gives you greater flexibility and control than ever before. We are pleased to provide our customers with the ability to not only reduce their time on-site, but also provide them with the functionality to maintain a site from anywhere, at any time. The latest features and updates to the Tecom portfolio gives technicians the ability to: upload/download or import/export system configurations off-site programming sytem backups test inputs prior to go-live installation generate reports to determine success/failures on devices, and much more With a range of new functionality across a number of products within the Tecom portfolio, there has never been a better time to upgrade to the latest versions. ChallengerPlus firmware With a number of new features, improvements and resolved issues, the ChallengerPlus portfolio of control panels continues to deliver functionality based on the changing demands of security solutions. With enhanced information available for diagnostics and added functionality to support input and relay tests, ChallengerPlus is an ideal solution for almost any security need. ChallengerPlus release notes CTPlus This feature-rich programming tool features an easy-to-use interface for programming a Challenger system. The new version 2.3 gives technicians more flexibility when off-site, as well as improvements to routine maintenance and fault diagnostic functionality. CTPlus release notes TecomPlus With the ability to run input and relay testing, the new version of TecomPlus improves your ability to work remotely. This not only gives you greater flexibility, but also reduces site costs for the customer. TecomPlus release notes


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Tag: Arthur Hunt
Polar Bear Seminar: Why Behe Is Right
Starting today, you're invited to sit back and enjoy a five-part series on polar bear genes in light of Behe's thesis in Darwin Devolves.
Does T-urf13 Refute Irreducible Complexity? A Response to Arthur Hunt
Since 2007, Hunt has been claiming to have refuted Michael Behe's thesis that irreducible complexity cannot arise by mindless evolutionary processes.
In the Controversy over Intelligent Design, Seeking Genuine Dialogue
To me, this kind of back and forth is more amenable to serious discussion and reflection than quick volleys on a discussion board.
Protein Folding and the Four Horsemen of the Axocalypse
A recent series of critiques, published by the online journal Sapientia, was aimed at Doug Axe's book, Undeniable.
The Uncivil Style of Intelligent Design Critics
I'm going to let ENV readers in on a little secret: When many of us in the intelligent design (ID) movement read the arguments coming from our critics, we're surprised at their low quality and style.


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NES Member
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This would actually cause them a ton of grief. Once the ducks find the pool you will never get them out of there and they make an ungodly messBuy some Ducks.
In Mass you do not need a fence around an above ground pool as long as it has a retractable ladder. If it has a pool deck the stairs have to have a gate that meets pool codeIsn't a fence around a pool mandatory.. You know.. "for the children".


text: I've posted about this before and never followed up for the solution. I've built a few sites that have scroll effects and they work just fine on desktop and when I shrink the window. But when I load the site on a tablet or phone, the background image that is set at 0 and 0 shows up as a blurred image. See the scree shots below. I am looking to have a background image in which the other content "floats" over the top. http://www.cyndeejohnson.com/index.html


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In order to prepare Compound Butters, you will need the following: butter, blackberries, lemon, fresh dill, potato masher, 2 bowls, a fork, and waxed paper. Place blackberries and butter in a bowl. Mash them with a potato masher. Set aside. Zest one lemon. Chop fresh dill. Place butter, the chopped dill, and the lemon zest in a separate bowl. Combine them. Mash them together with a fork. Place on wax paper. Place the blueberry butter on wax paper, roll it up, and freeze it. Repeat with the lemon butter. Store it in the freezer until you need it. This can be used in numerous ways: atop meats, fish, potatoes, etc.
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Preparation for the senior school starts in Year 10. Students are encouraged to explore the options available and to consider what subject areas they want to experience in preparation for future study in Year 11 and 12.
Students in Year 10 receive detailed information about senior subjects and information nights are held regarding course availability and choices.
In the senior school, students must study a minimum of six subjects. This must include a Maths and an English subject. Students will choose from either an ATAR or Flexible pathway in their senior years of schooling.
ATAR/ University Pathway- Students study 6 general subjects or 5 general and 1 applied subject or VET Qualification, Cert III level or above.
A Flexible Pathway- A combination of General/ Applied and VET subjects OR students must choose a minimum of two certificate-two qualifications, or be undertaking a school based apprenticeship or traineeship. Four other subjects must be studied which can be a combination of general and applied subjects.
Subjects marked * are available for students to begin studying in Year 10. All other subjects are available for selection from the beginning of Year 11.
SETP Information Evening Presentation
2021 Yr 10 Subject Selection Guide
Year 9 into 10 2021 Subject Selection Form
Aquatic Practices
Basketball Excellence
Building and Construction
Business Diploma (General)/ Diploma Business Studies
Certificate III & IV Fitness
Dance in Practise
Engineering Skills
Essential English
English Literature
Film, Television & New Media
Health Education
Industrial Design and Technology studies
Information and Communication Technology/Digital Solutions
Legal Studies
General Mathematics
Mathematics Specialist Prep
Media Arts in Practice
Modern History
Physical Education
Sport and Recreation
Short Course Literacy
Visual Art
Visual Art in Practise
QCAA QCE information can be found here.


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Posts Tagged 'author'
Why write?
I write because I do love it. There's nothing more exciting to me than sitting down and creating a great world with heroes and villains. And sometimes in my contemporary world that can be the simplest decision made by a secondary character. I just came back from RT14 in New Orleans. That's Romantic Times 2014…Read More
Book Release Date: August 2014
I'm super excited to announce that I am an author in the eWomen Network publishing program – our release date is August 2014! The title is: Succeeding Through Doubt, Fear & Crisis. I'm also thankful that eWomen Network allows this opportunity to be part of such a great collaboration.Read More
Adults 18+ romance novels plus giveaway!
Love Charms has 10 full length novels of Paranormal Romance (including The Warlord's Concubine by us!) for only .99. Fated Mates has 12 full length novels of Shifter Romance for only .99. http://www.amazon.com/gp/product/B00IS97NMS?ie=UTF8&camp=213733&creative=393177&creativeASIN=B00IS97NMS&linkCode=shr&tag=thke00-20&refRID=0XRSJ0PV8C66SV5EBNNZ http://www.amazon.com/gp/product/B00IT03ZNM?ie=UTF8&camp=213733&creative=393177&creativeASIN=B00IT03ZNM&linkCode=shr&tag=thke00-20 We're also doing a huge giveaway with over $500…Read More
Guest Blogger: Amy Denim on How to Have More Time To Write!
If you like this blog leave a comment to win a prize from Amy! Amy's Bio: Amy Denim writes business books for writers and contemporary romance. She loves hot heroes (like chefs and cowboys) and curvy intelligent heroines (like chefs and cowgirls.) She's been a franchise sales coordinator, a lifeguard, a personal shopper, and a…Read More
Rejection fever.
This week has been an interesting week so far. In my other business I achieved great success as a Beachbody coach and joined ICF as an associate member. However, with my writing I found out early this morning that: (1) I did not final in the LERA (Land of Enchantment Romance Writers) contest called the…Read More
Review of Under a Vampire Moon by Lynsay Sands
Under a Vampire Moon by Lynsay Sands My rating: 5 of 5 stars This book was surprising in its sex scenes and full of passion. The immortal Christian finds his life love in St. Lucia thanks to the influence of his wealthy immortal family. He pretends to be her "beard" in order to get closer…Read More
Hockey boys.
I made the decision before the RT Convention in Kansas City to write a contemporary fishing village novel. And, I loved it! That was my Nanowrimo achievement. Where you write a book in a month – November. http://www.nanowrimo.org So, now I'm writing short stories about hockey boys. My version of hockey fever. Hockey boys are…Read More


text: Share on Messenger Share on Twitter Read more features Share on Facebook Manchester United close to Aaron Wan-Bissaka deal with Crystal Palace Rumour Mill Football Share on Pinterest Share via Email With a mere 49 days left until the transfer window closes, Manchester United fans are getting decidedly antsy over their club's apparent lack of activity in the summer meat market. Dan James has arrived from Swansea for £17m and reports suggest young Crystal Palace full-back Aaron Wan-Bissaka will be rocking up at Old Trafford once England's interest in the European U-21 Championships ends, but the club's supporters want to see more incomings and outgoings sooner rather than later.Harry Maguire has been a long-time target of United's but looks likely to ignore their overtures if rumours that Manchester City have arranged an appointment for him to cough for their doctor turn out to hold any water. United have continually balked at paying a fee north of £75m for the Leicester defender and it seems City are prepared to pull the rug from under their feet as they continue to dither. Topics Share on LinkedIn Share on WhatsApp With United's players due to convene for training ahead of the new season on 1 July before heading off on a tour of Australia and Asia, the club remain hopeful of enticing midfielders Declan Rice and Sean Longstaff from West Ham and Newcastle respectively, while the agent of Sporting attacker Bruno Fernandes is reported to be in Manchester to talk turkey about a move to Old Trafford for his client. Speculation elsewhere suggests he has also spoken to Spurs.Reports from Germany suggest Atlético Madrid midfielder Rodri has eschewed a move to Bayern Munich in favour of signing up for Manchester City for a fee of £62m, while Liverpool seem likely to be thwarted in their attempts to sign Ousmane Dembélé after Barcelona president Josep Maria Bartomeu insisted the French striker is going nowhere.Tottenham's dogged pursuit of Lyon central midfielder Tanguy Ndombélé could be coming to an end, what with the north London club reported to be increasingly confident of landing their man by the end of the month. Lyon president Jean-Michel Aulas claims his club have received several bids for the 22-year-old, with representatives of both Manchester City and United also believed to be gyrating lasciviously in a bid to attract the player's attention. "We have lots of offers but they do not come up to the price we feel is right, said Aulas in a party political broadcast to L'Equipe, before announcing that one-time Liverpool target Nabil Fekir is also leaning towards a move elsewhere.Meanwhile in Spain, Real Betis left-back Junior Firpo is being courted by Liverpool, who would have to trigger a £45m release clause to land the 22-year-old. Following the departure of Alberto Moreno for pastures new and yet to be confirmed, Firpo would provide cover for Andy Robertson. Across the Atlantic, Real Salt Lake's diminutive Venezuelan winger Jefferson Savarino is wanted by West Ham and Tottenham and could be available for a cut-price £6m.And finally, Matt Clarke is ready to swap one south coast seaside town for another by moving from Portsmouth to Brighton. The 22-year-old will undergo a medical with the Premier League club today before a £5m deal is signed, sealed and delivered. Transfer window Reuse this content


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Virtual & Augmented Reality
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Conversations with digital leaders | Inspiring speaker, connecting people | #ArtificialIntelligence #AI #ML #DeepLearning #DL #VirtualReality #VR #HPC | @NVIDIA
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Reto Senn@lores3000
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Head of AR Products & Partner at Bitforge AG - using twitter to get inspired and trying to improve experiences everywhere.
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Software Engineer @ Esri #ArcGISUrban. GIS, 3D-Visualization, Urban Planning, Smart Cities, Virtual Reality and more. Yoga teacher in my free time 🧘♀🤸🏼♀
Daniel Gremli@danielgremli
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Co-Founder at @Bandara_VR, a VR/AR Content Studio in Zürich.
Rupert Breheny@rupertbreheny
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Google Web Developer, VR Manager, Conference Speaker
Lukas Eppler 🏡@lukaseppler
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Enabling technology to help us get further. At @simplificator, https://t.co/2z5FSWSRjb @EntrepreneurOrg, and at home.
Yves Zieba (DE)@LudwigZieba
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Gründer @panglosslabs1 @agilenetup @thtmna @syntezia @hackyourstyle #startup #MOOC, #VirtualReality #IOT #Wearables Personalised Medecine
Cie Gilles Jobin@CieGillesJobin
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Cie Gilles Jobin is a digital dance company creating cutting edge XR projects
Jonas Baer@BaerJonas
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Co-Founder @Bandara_VR – Virtual Reality Content Studio • CFO @strategyzer • Passion for building companies.
High school teacher (french & Italian), eLearning, mobile learning, serious games, virtual reality
Fabian Koch@theianframe
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Geschäftsführer @interpunkt_ag web & Werbung. Kommunikation, Strategie, Web, Virtual Reality, Augmented Reality Enthusiast
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Software Engineer @Adobe
Urs Langenegger@urslang
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Co-Founder @Bandara_VR – Virtual Reality Content Studio • Image juggler, information tamer, pixel wizard & 360° acrobat (with net) in the technology manege
Maxim Lysak@VRMnemonic
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Virtual Reality enthusiast, UI explorer and developer, software engineer and digital artist
Charlotte DK@charlottedekee1
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/ BlahBlab: FR,DE,ENG,NL/ YahYah: fun for all, NGO's, tech, Marvel /
Damaris Mracek@DamarisMracek
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Virtual Reality Startup
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Real-time hyper realistic Rendering. No dedicated Hardware or Cloud needed. Also supports stereoscopic technologies and VR Glasses (Oculus) - in Real-Time
Rina Skwara@RinaSkwara
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Strategic Marketeer with interests in online marketing in health care, virtual reality, gaming ... biomedical engineer, proud dog owner and happy nerd
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Exciting technologies enthusiast and entrepreneur. That includes electric mobility, virtual reality and many more. A sustainable vision in mind.
Torsten Fell@360_vr_art
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new dimension in art-create experience room #360_vr_art #HTCVive #VR #360grad #VirtualReality #art #artist #live_performer #immersion #VREvangelist #vrpainting
Riccardo Russo@PetrolMad
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software developer | triathlon amateur | intrested in photography, movies, virtual reality and random stuff
Martina Vitz@lapcenterZurich
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Innovative training for surgeons: Personalized skills training on state-of-the-art virtual reality simulators. Subscribe for a course today!


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Kailani measures 46-32-46. The dark 10-Pounder measures 10
This scene widens with a brief interview. There're two great things about it:
1. We need to hear 46-year-old Kailani Kai's enchanting voice.
TWO. Whilst this babe is being interviewed, that babe is wearing a top that reveals about 95% of her large mammaries. Kailani seems so comfortable wearing this top, even though if that babe wore it out in public, cars would be driving into poles. This is a woman who is used to showing off her body, right? Well, sometimes. Kailani describes her style of costume as "sexy but conservative." What she's wearing here is definitely not conservative.
Kailani says that babe detected us during the time that she was "searching the Web and came across an advert and thought, 'That might be fun to do.'"
That babe likewise says the wildest thing she's ever done was shag in a clip theater. That babe and her date were sat in the back row. This babe took out his schlong and sat on it.
"I liked it," this babe says.
This divorcee and Mamma from Hawaii (now living in California) definitely loves what she's doing here: engulfing and banging a large, dark rod and eating cum. But previous to she does that, that babe puts on a show for us. This babe jiggles her big knockers. Then this babe drops those constricted pantyhose she's wearing and jiggles her large a-hole. How much do we adore a big-titted, big-assed MILF? Let's count the ways.
Kailani has sex "as often as possible." This babe loves plenty of foreplay. Does eating muff and sucking shlong count as foreplay? That babe is been a flight attendant and a real estate agent, the one and the other jobs that appear to be to attract hot honey bunnys.
Kailani measures 46-32-46. U just gotta like that!
See More of Kailani Kai at 40SOMETHINGMAG.COM!


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You must not steal money or property. You must not falsely deny someone's claim that you received an article from him on deposit or as a loan. You must not lie to one another by swearing falsely regarding having done any of these five things.
Vayikra 19:11
The Baal Shem Tov teaches, everything we see can teach us some lesson in how to better fulfill our Divine mission and spiritual potential, we can also elevate a forbidden character trait or action by learning from it. Rabbi Zusha of Anipoli listed seven traits of a thief that we should emulate:
1. He works silently, modestly, and without fanfare.
2. He is prepared to face danger in order to carry out his mission.
3. He pays full attention even to the smallest detail.
4. He works hard.
5. He works quickly, not wasting any time.
6. He is confident and optimistic.
7. If he does not succeed the first time, he tries again and again.
If we apply these traits to positive endeavors, we have not merely avoided stealing but elevated its redeeming characteristics, as well.
--From Kehot's Chumash Vayikra


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Located in a sought after street, this stylish renovated two bedroom apartment is within a tightly-held security block of eight and is ideal for a professional couple or single. Situated within minutes' walk to Dulwich Hill village shops, cafes, schools, parks and city transport this apartment won't last.
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Surprise someone special with this bright and bountiful fall bouquet, arranged in a crackle-glazed, oven-to-table stoneware bowl, the perfect mix of pretty and practical!
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The choir meets during school term-times on Monday evenings, 8.00 – 10.00 pm, in the school at Stanton Harcourt, a village south of Witney (OX29 5RJ, see map below). There is plenty of parking nearby.
Rehearsals are busy times, when it's rare to have more than a couple of minutes when your attention isn't fully engaged. We take the music seriously, but do not take ourselves too seriously. There is a lot of self-deprecating humour and outright guffaws, often led by the more disreputable end of the bass section when someone says something unintentionally funny. Our Music Director has managed to perfect a kind of beautifully judged mockery, but said with a smile, delivered with a lightness of touch and which you cannot help laughing at. We do our best to keep the atmosphere friendly and supportive, so no one is left behind.
We also provide pointers to a variety of online resources, such as Choralia and Cyberbass, to help people learn their parts at home. Which we all do. Of course. Weekly bulletins let those who couldn't make it to a particular rehearsal know what they missed, and most people are very committed. This means that the satisfaction quotient is high and choir members come away feeling they've achieved a lot in the short two hours.


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Managing Your Venous Disease (Fraser Health) [English] Public
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Here are all the links to websites, letters and documents you may find interesting
Maths Department - Websites and Log in Information
PE Department - Keep Active At Home
Key Stage 3 National Reading and Numeracy Tests - Information Letter - Click Here
Information to Parents/Carers regarding attendance - Click Here
GCSE Welsh Revision
Supporting your child with Welsh at home
If you weren't able to attend our recent Welsh Parent / Carer workshop please click me to find the resources to support your child in improving their Welsh at home. This includes accessing Quizlet homework, useful Welsh apps and everyday vocabulary. We also have a Quizlet course for families - CYMRAEG I'R TEULU, please join.
Also remember to follow us on Twitter - cymraeg@cynffig (@cymraegcynffig1)
Education is Changing website
To keep you all up to date with the changes happening in education today, please visit the Education is Changing website by clicking this link https://gov.wales/education-changing


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This Note will first review the historical development of gun-control laws in the United States, including those referred to by the Supreme Court as "longstanding prohibitions on the possession of firearms by . . . the mentally ill." It will then analyze the extent to which the SAFE Act differs from such longstanding prohibitions and whether the Act is constitutional. Finally, this Note will consider whether, regardless of its constitutionality, the SAFE Act is an appropriate legislative response to gun violence or whether a recent proposal by a group of national experts on mental illness and gun violence might be more effective and more likely to pass constitutional muster.
Category Archive: Postscript
Narrow Banking as a Structural Remedy for the Problem of Systemic Risk: A Comment on Professor Schwarcz's Ring-Fencing – Postscript (Comment) by Arthur E. Wilmarth, Jr.
In Ring-Fencing, Professor Steven Schwarcz provides an insightful overview of the concept of "ring-fencing" as a "potential regulatory solution to problems in banking, finance, public utilities, and insurance." As Professor Schwarcz explains, "ring-fencing can best be understood as legally deconstructing a firm in order to more optimally reallocate and reduce risk." Ring-fencing has gained particular prominence in recent years as a strategy for limiting the systemic risk of large financial conglomerates (also referred to herein as "universal banks"). Professor Schwarcz describes several ring-fencing plans that have been adopted or proposed in the United States, United Kingdom, and European Union.
This Comment argues that "narrow banking" is a highly promising ring-fencing remedy for the problems created by universal banks. Narrow banking would strictly separate the deposit-taking function of universal banks from their capital markets activities. If properly implemented, narrow banking could significantly reduce the safety net subsidies currently exploited by large financial conglomerates and thereby diminish their incentives for excessive risk-taking.
Steven Schwarcz's "Ring-Fencing" gets much of its impact from its broad definition of the term, which is usually heard these days when thinking about whether a multinational bank ought to be forbidden from removing the assets of its branches in one country to support its activities in another.
One of the singular contributions of the article lies in its willingness to look beyond that use of the term to think about what ring-fencing means more broadly and conceptually. As Schwarcz observes, ring-fencing is nothing less than a way to allocate resources, regulate firms, and reassure stakeholders that could be applied any enterprise. The ring-fencing metaphor posits the separation of assets within a firm—some are inside the ring fence, and others are not. To Schwarcz this amounts to "legally deconstructing a firm in order to more optimally reallocate and reduce risk," which could include any restructuring involving holding companies, off-balance sheet entities, and even the creation of corporate subsidiaries.
Running Afoul of the Non-Refoulment Principle: The [Mis]interpretation and [Mis]application of the Particularly Serious Crime Exception – Postscript (Note) by David Delgado
Envision living with the constant fear of being tortured or killed for no other reason than having a different political opinion than those in power. While that may be difficult to imagine for those who live in the United States, unfortunately, many around the world must live with that fear or flee from their homes. That fear has mobilized an estimated 11,000 to 15,000 refugees to flee from Syria. The mass exodus followed Syrian President Bashar al-Assad's siege of the western city of Homs, which is "the heart of an 11-month uprising against his rule." In those early months of violence, only around 7000 Syrian refugees had registered with the United Nations High Commissioner for Refugees ("UNHCR"). However, given the persistent violence and the recent allegations that President al-Assad has used chemical weapons on or near civilian populations, it is unsurprising that current UNHCR projections estimate that there are over two million Syrian refugees. And according to the UNHCR, if current trends persist, there may be well over three million Syrian refugees by the end of 2013.
Our Broken Misdemeanor Justice System: Its Problems and Some Potential Solutions – Postscript (Response) by Eve Brensike Primus
Although misdemeanors comprise an overwhelming majority of state criminal court cases, little judicial and scholarly attention has been focused on how misdemeanor courts actually operate. In her article, Misdemeanors, Alexandra Natapoff rights this wrong and explains how the low-visibility, highly discretionary decisions made by actors at the misdemeanor level often result in rampant discrimination, incredible inefficiency, and vast miscarriages of justice. Misdemeanors makes a significant contribution to the literature by refocusing attention on the importance of misdemeanor offenses and beginning an important dialogue about what steps should be taken going forward to fix our broken misdemeanor justice system.
Natapoff amasses an impressive amount of data and material to explain both the prominence of misdemeanor convictions in our justice system and the many problems with how our misdemeanor system operates. She rightly points out that legislative overcriminalization coupled with conflicting police responsibilities and vast police discretion has created a system in which poor people of color are routinely arrested for misdemeanor offenses even when there is little evidence to support their arrests.
Alexandra Natapoff's article, Misdemeanors, shines a much-needed spotlight on the mass production of criminal justice and injustice in millions of low-level cases. For many decades, academics have dwelt ad nauseam on the biggest, sexiest criminal cases, especially capital and other serious felonies such as murder and rape. Courts and commentators have spun out elaborate accounts of the precise procedural guarantees that should govern adversarial combat between prosecutors and appointed defense counsel in these cases. But, as I have argued elsewhere, in making rules for the small sliver of jury trials, judges and scholars have neglected the much larger world of plea bargaining.
Natapoff draws on her experience in criminal defense to explore how far out of sync the ideal of adversarial due process is from the reality of cookie-cutter dispositions. She trenchantly explains how many low-level cases depend almost entirely on a police officer's word, with no meaningful prosecutorial screening or defense counsel testing, or even no defense counsel at all.
Misdemeanor Injustice and the Crisis of Mass Incarceration – Postscript (Response) by Jonathan Simon
Every generation it seems, a criminal law scholar arises like an Old Testament prophet and attempts to compel their colleagues to confront the uncomfortable fact that the kind of criminal justice the overwhelming majority of their fellow citizens experience involves misdemeanor crimes, adjudicated (if you can call it that) at the lowest level of courts, with little or no lawyering, few rules, and lots of scope for nasty prejudice. For this generation, Alexandra Natapoff is that Jeremiah. For her, it is bad enough, of course, that most felony justice has only a family resemblance to the picture acquired from most criminal law classes, but misdemeanors, if they show up at all, do so in the margins of the course, around issues like status offenses, voluntariness, or possession. When we take Natapoff's challenge and treat the world as if these misdemeanors mattered, we experience something like what the filmmakers of the Matrix series so effectively captured: the slide from a sleek but apparently totally fake world, to one that is actually pretty disgusting and degrading.
What Would Predatory Pricing Be Without John McGee? A Reply to Professor Leslie – Postscript (Response) by Joshua D. Wright
In his 2012 article, Revisiting the Revisionist History of Standard Oil, Christopher Leslie takes issue with John McGee's work on predatory pricing and its influence on antitrust law and scholarship. Leslie claims McGee's analysis was methodologically flawed, ideologically motivated, but ultimately successful in "distorting" predatory pricing law by persuading courts to adopt a standard too permissive of anticompetitive predation. Holding aside the specific methodological critique of McGee's analysis, in this paper I demonstrate that Leslie's claim that McGee distorted predation law fails for a number of reasons. The most fundamental reason is that Leslie does not consider the likely counterfactual antitrust world without McGee's analysis. Specifically, Leslie does not consider the very likely alternative explanation for the decline in plaintiffs' success in predation cases–namely, Phillip Areeda and Donald Turner's seminal 1975 analysis. Whether debates continue within the economics literature regarding the details of McGee's contribution to our understanding of predatory pricing theory and the Standard Oil saga, there is scant evidence supporting Leslie's primary claim that McGee has had a distorting influence that has induced courts to adopt permissive attitudes toward anticompetitive predation. Nor is there evidence in the economics literature supporting Leslie's ancillary claim that current law underdeters anticompetitive predation. A proper understanding of the intellectual foundations of modern predation doctrine reveals a doctrine far more stable and durable than Leslie implies.
Determining the Optimal Antitrust Standard: How to Think About Per Se Versus Rule of Reason – Postscript (Response) by Abraham L. Wickelgren
Andrew I. Gavil presents a thoughtful and illuminating portrait of the evolution of the rule of reason in United States antitrust law since Standard Oil. While the rule of reason, as initially embodied in Standard Oil Co. v. United States and Board of Trade of Chicago v. United States ("Chicago Board of Trade"), may have once been an invitation to make any and all arguments about the competitive nature of a given restraint, Gavil rightly points out that this is no longer the case. As currently employed, the rule-of-reason analysis is typically quite structured. The plaintiff must first show that the defendant's action had an anticompetitive effect. If she can do this, then the defendant has the burden to prove that its action has a procompetitive benefit. If, and only if, the court finds that both sides have met their initial burden, will the court proceed to balance the two effects.
Of course, the evidence of anti- and procompetitive effects for any particular conduct is always far from perfect. Whenever evidence is imperfect, we know from decision theory (Bayes' rule) that one's prior beliefs about the plausibility of anti- or procompetitive effects will be important (and will be more important the less perfect the evidence). Thus, one can think of the per se rule in antitrust as just an extreme form of the rule of reason, in which the court's prior beliefs dictate the decision. For example, a court's prior belief that price-fixing is anticompetitive may be so strong that the evidence required to overcome that prior belief (establishing a procompetitive effect on balance) would have to be enormously powerful. One way to express the justification for the per se rule is that the probability that such evidence will exist is so small that it is not worth examining it. In that light, one can also view the structured rule of reason approach as one that should (although, in practice may not) reflect a similar paradigm in less extreme cases: we require stronger evidence of anticompetitive effects for conduct that we think are less likely to be anticompetitive and are more receptive to procompetitive effects arguments in such cases.
Tarring the Trust: The Political Economy of Standard Oil – Postscript (Response) by Michael Reksulak & William F. Shughart II
It has been well established in the economics literature that the antitrust laws have been used strategically to undermine the competitive market process, whether the alleged abuses were based in fact or not. It should, then, come as no surprise that the origins of one of the most famous decisions in antitrust jurisprudence, the 1911 judgment by the Supreme Court against Standard Oil, can be traced back to an alliance of rivals that had seen their business interests hurt by John D. Rockefeller, Sr.'s innovative entrepreneurship. In fact, the judgment seemed to confirm early fears attributed to "[m]ost economists in the late 19th century . . . [that] the law would impede attainment of superior efficiency promised by new forms of industrial organization." Others concluded later that "the enforcement of the Sherman Act over the past 95 years has probably reduced industrial competitiveness."
On that occasion more than a century ago–an event that has been called "the mother of all monopolization cases"–the Court decided unanimously (with Justice Harlan concurring in part and dissenting in part ) that the U.S. government had the right to impose "broader and more controlling remedies," including the dissolution of an entire corporate entity, in announcing that they henceforth would apply a "rule of reason" in evaluating alleged antitrust law violations.


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As we develop technology, we develop ways to make sure the technology runs correctly. Imagine if your car didn't tell you when there's an issue with your engine or if your tire pressure light didn't come on when you had a leak? The same can be applied to a computer. Without really understanding or having […]Read More
The Truth in Updates
It seems like every application wants to be on the most recent update or patch or revision. Do I really need another app update? Is it going to slow my system down? Can I say no and if so for how long? Those are typical questions that we hear from clients. The ultimate answer is: […]Read More


text: Vertical Tabs Story Single-serve coffee pods for use in the Keurig coffee machines. (AP Photo/Rich Pedroncelli) Jan 28 2016 Twenty years ago, John Sylvan came up with a better office coffeemaker. The Keurig was faster and cheaper than running out to the coffee shop. It was easy to use and mess-free. People could pick their own brew. And because it made one cup at a time, it ended arguments about who made the next pot. The...How to Subscribe Currents4Kids is published 38 times per year (once per week except over Christmas and Spring Break) from mid-August until mid-June. A subscription costs $198 and may be used by all teachers and students within one school. To order, visit our order page, contact us by phone, fax, or email, or download and send in an order form. Thank you for your interest.


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Good Samaritan Donations
Although PayPal is used to accept donations online, in addition to using a PayPal account, options are also provided for donations to be given via credit card or debit card.
When you select the donation amount below you will be taken to the donation option website.
Please select the amount of your contribution below. If you do not see a contribution amount that you would like please select the "Any Amount" option and you will be able to provide the amount you wish to donate.
© 2016 CrossRoads Counseling Ministries. 989.652.0764


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Mtskheta - Jvari - Gori - Uplistsikhe Full Day Private Tour
Pickup includedAny hotel located in Tbilisi or Mtskheta
- Visit the main Cathedral of Georgia, Svetitskhoveli
- Learn the history of the Jvari Monastery
- Marvel at the confluence of the rivers Aragvi and Mtkvari
- Discover Uplistsikhe cave town
- Explore Gori and the Museum of Stalin
With your local guide, continue onto Gori, the homeland of Stalin, to visit Stalin's house, museum and train wagon. At the Stalin museum, learn about the life of the infamous dictator at the exhibit which includes unique photos, gifts, and furniture. After the museum, there's time for lunch in the city of Gori, with the option to choose between dining at a Georgian restaurant, or having lunch with a local family with a private wine cellar to taste traditional Georgian wines.
After lunch, you will head to the cave town of Uplistsikhe, named "Fortress of the Lord", situated on a rocky mount on the left bank of the river Mtkvari. The fortress is mentioned in chronicles dating back to the earliest of times, and its history began in the first millennium B.C. Uplistsikhe was an important religious, political and cultural center in the Hellenistic and the late Antique periods, and it has been identified as one of the oldest urban settlements in Georgia. Enjoy an interesting walking tour here of the rock-cut structures, including and amphitheater. Lastly, visit the Svetitskhoveli cathedral, a sacred place where the robe of Christ is being kept, a masterpiece of the Early Middle Ages, and a UNESCO World Heritage Site.
- Transportation
- Guide service
- 1 bottle of water
- Food and drinks (optional)
- Entrance fee to Museum of Stalin in Gori (5 USD per person) (optional)
- Entrance fee to Uplistsikhe (2.50 USD per person)
- Wheelchair users
Prepare for the activity
- Passport or ID card
- Comfortable shoes
• Please dress appropriately
From US$ 49 per person
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|Value for money
Product ID: 223344


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An Expansion Group
This group serves the outlying villages of a major city in the north. They spends much of their time commuting from village to village in jungle-like areas. It can take years to build the relationships needed to earn the trust of these tight-knit villages, but our Leader is a patient man. He visits regularly with gifts for the children of the community and spends time with community leaders to better understand their needs and to demonstrate how the community might benefit from the start of an Expansion group. They currently run week long children's activity camps in a few of these villages. They bring in special items to help teach the children and treat them to special arts and crafts enrichment. Often the village parents come to listen and learn, and even want to participate in the crafts themselves!
A Local Group of Servants
This local group was founded over ten years ago by a leader with a heart to serve and he has nurtured the group into great growth through those years. Currently he and his team of volunteers serve street children with an after school program that provides tutoring session and a hearty meal. (For many of the children it is the only meal they receive all day.) Every tutoring session includes lessons from Ancient Literature that has stood the test of time. This group also works in a local leper colony providing meals and similar tutoring. (Currently due to funds only once a week.) The group has recently purchased land and have begun a building project. We are raising funds to see this project completed. Once completed they will be able to expand their Services and be able to feed more children in the after school program.


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China Southern Airlines decides not to renew its membership agreement with SkyTeam Alliance from January 1, 2019, and will complete the transition work by the end of 2019. The decision is based on a full evaluation of the company's development strategies, and is adaptive to the latest trends in cooperative models in the global air transport industry. SkyTeam and China Southern have jointly agreed to ensure a smooth transition for all the customers and partners throughout 2019.
SkyTeam Alliance respects China Southern's decision, which reflects the changing nature of the air transport industry and the dynamics as world airline alliances evolve.
China Southern will strengthen its partnership with American Airlines and other leading global airlines, advance bilateral and multilateral cooperation, and build innovative relationship with its partners.
China Southern highly values its cooperation with SkyTeam and would like to express sincere thanks to SkyTeam and all the partners for their help and support.
China Southern Airlines
December 11, 2018


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The Government of Canada's latest data, Key Small Business Statistics, shows that small businesses are the heart and soul of the nation's business landscape. Last year, out of the 1.17 million employers in the country, 1.14 million were small businesses (1-99 employees). Less than one percent were large enterprises (500+ employees). With those numbers, chances.. More
Many people put off life insurance because they don't understand it. Don't worry; life insurance really isn't complicated. As evidenced by many accounts online, life insurance is often the one thing that allows a grieving family to work through the months ahead without worrying how to pay the mortgage or where the next meal comes.. More
In British Columbia, the provincial Medical Services Plan (MSP) provides the following coverage for dental work: "Dental and oral surgery, when medically required to be performed in hospital (excluding restorative services, i.e.: fillings, caps, crowns, root canals, etc.) Orthodontic services related to severe congenital facial abnormalities. The removal of healthy wisdom teeth, even if impacted,.. More
The life insurance profession has many reasons to be excited about the future. A larger and longer living population is increasing demand for quality retirement and life insurance advice. The times are a' changing rapidly in this industry. Once a tried and conservative group, the life insurance industry is doing all it can to keep.. More
If you're thinking about converting your RBC policy from Term to Permanent, it's good to know the reasons why you should and how to go about it. Below, we are going to look at how converting your RBC life insurance policy can help ease your mind so you can relax knowing your family is financially.. More
Business continuity planning is the process of preparing for future events that can cause an unexpected business interruption. For example, let's say your startup took off and your company was successful from the get go. Now it's two years later and you've expanded across the country, and just landed the big contract everyone was waiting.. More
Being a high life insurance risk means that life insurance will cost you more, but it doesn't mean you won't qualify for affordable rates. Life insurance companies base their rates on how risky you are to insure (the likeliness that you will die and they will have to pay out the death benefit). It's not.. More
Pacific Blue Cross, a leading health benefits company, has recently developed a free online tool to educate consumers and help them perform a cost comparison search of prescription drugs quickly. Consumers can now easily see which pharmacy charges the least for their prescription. The high cost of prescriptions is what drove Pacific Blue Cross to.. More
Life insurance for union members protects the lives of all the hardworking individuals that work to raise educated citizens, assist our government in doing it's job, and provide what's necessary to keep out cities and towns safe. If you belong to a union, you probably have life insurance already; but it likely isn't enough. This.. More


text: High Power Washing, Industrial Airless Painting and Epoxy Floor Coating. Power Washing your home with the correct products and procedures will prevent future mold and mildew growth which will create a clean curb appeal. Don't risk your most expensive investment, leave it to the pros at JC Power Wash. You will be amazed at the difference and value of what having a clean home can do.


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- Make the clay wet so that pots can be made by hand. They are of 5 to 12 litres volume.
- Let the pots dry very well in a sunny place for at least a month.
- If you buy such pots, they must be unglazed, and only half-burned or non-burned.
The recommendations in this factsheet are relevant to: Zambia


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Aruba saw a 2.9 percentage point decline in average hotel room occupancy in November 2018.
According to the Aruba Hotel and Tourism Association, (AHATA), the hotels in Aruba saw a 2.9 percentage point drop in average hotel room occupancy in November 2018 compared to November last year, falling from 86.1% in 2017 to 83.2% this November. The hotels Average Daily Room rate (ADR) improved by 10.0% however, from $210.25 in November 2017 to $231.31 this year. Revpar grew by 6.4%, from $181.03 in 2017 to $192.54 in November 2018.
Through the first eleven months of 2018 the hotels in Aruba have achieved an average room occupancy of 84.9%, down from 85.5% for the first eleven months of 2017. The hotels' ADR has grown by 11.5% in the same eleven months, from $234.12 in 2017 to $260.93 this year, while revpar has grown by 10.6%, from $200.11 in 2017 to $221.41 in 2018.
Aruba has 5,300 hotel rooms.
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Jim Hepple is an Assistant Professor at the University of Aruba and is Managing Director of Tourism Analytics.
September 2020