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Changing Culture in Firms: Why Complaints are Likely to Start Making the News Again
Julie Pardy offers an insight into complaint handling and culture change in financial services.
Complaint handling regulation has been in force in UK financial services for as long as I can remember – which is quite some time! During that time the complaint handling rules (DISP), have been amended several times by the incumbent regulator, with the most recent change being made in 2016. All these iterations have been designed to make the process more effective by improving the process of registering a complaint and ensuring that each and every issue raised is carefully and fairly evaluated.
From 2009, the regulator instigated a change which has seen them publishing details of all firms receiving over 500 complaints in the previous six-month period, in an attempt to name and (dare I say it) shame firms into taking appropriate action to reduce their volumes.
All of this is well known and even when taking the spike in complaints caused by the PPI deadline into account, the most recent published set of data (for the first half of 2019) revealed some interesting headline figures as the table below shows:
|FCA Aggregate Complaint Data (minus PPI)
|Total Complaints
|Complaints Upheld
|Redress Paid
A non-complaint specialist could look at these figures in a number of ways. An optimist would no doubt point to the fact that, with the exception of the total redress, the figures show a decline, albeit modest, so therefore, cause for good news.
A more critical eye however, would argue that despite firms being well educated on the need to reduce both complaint volumes and the inconvenience and distress to customers, the figures are stubbornly high. Indeed, looking at the figures for the first half of 2018 and 2017, the total complaint figures mirror the very gradual decline shown on the table above. Compounding this is the telling statistic that over half of the complaints registered were upheld. In other words, in over a million cases the firm agreed that the complainant was justified in their complaint and had been mistreated. Yes, the financial services industry is large with around 50,000 or so regulated firms operating in the sector. However, the vast majority of these firms are small and to illustrate this point, several major high-street banks opened over 200,000 non-PPI related complaints in 2019 H1.
Therefore, given the number of complaints and the percentage that are upheld, the more critical observer might begin to wonder whether there is something more deep-rooted about the way firms treat their customers. From a regulatory point of view, these figures must continue to be depressing reading. If we look back in time to 2006 when the Treating Customer Fairly (TCF) initiative was introduced, it asked firms "to put consumers at the heart of their business". Given that was over ten years ago, it doesn't look like we are making much progress as an industry does it? For some time now the topic of complaints is likely to have been a standing item on any Board's agenda, however, are firms making the progress one would expect? These figures suggest not.
"Poor culture is one of the fundamental root causes of financial misconduct and harm to market integrity, alongside firms' own business models and strategies".
To provide some perspective, we must bear in mind that the rise of "consumer champions" such as Martin Lewis and all the consumer-focused programmes that urge consumers to complain is no doubt fuelling some of what we seeing in the financial services market place. However, surely these stubbornly high figures cannot be attributed to that alone.
For some time, the regulator has talked about the importance of developing a customer-centric culture, with limited success it appears. However, two things have changed and will likely make complaint handling a priority, not just an agenda item, for main boards.
- SM&CR and Culture
The FCA have made it clear, certainly to those banking and insurance firms that have been subject to SM&CR since 2016, that they expect to see the regime as a major driver for culture change in firms. Jonathon Davies, the FCA's Executive Director of Supervision, Retail and Authorisations said in a recent podcast [1]: "Poor culture is one of the fundamental root causes of financial misconduct and harm to market integrity, alongside firms' own business models and strategies".
For this reason, tackling firm culture is a "huge priority" for the regulator. In the same podcast, he also said: "SM&CR is about cultural change, not just compliance, and real personal and regulatory expectations are being put on senior managers to lead and do the right thing".
Separately, in a recent survey by the FCA of firms who implemented SM&CR in 2016 [2], questions were asked about how well SM&CR has been embedded. The survey cited many positive signs. However, the FCA concluded; "It is not clear to what extent the regime has been linked to culture". In the same survey, the FCA cited that firms said that whilst SM&CR had changed senior managers' thinking: "there is some room for further progress at the Certification level and potentially more significant weaknesses in the implementation of the Conduct Rules for other staff".
- Evaluating Culture Change
In the FCA's latest Business Plan[3], culture change was cited as a key cross-sector priority; "Culture plays a critical role, a healthy culture, focused on delivering consumer outcomes, helps individuals in firms to make the right judgements that do not result in consumer or market harm. Conversely, weak governance or poor culture increase the likelihood that harm will occur".
The FCA went on to say: "There are significant challenges in both measuring culture objectively and in establishing the causal link between cultural change and consumer, market and business outcomes". However, the FCA go on to say: "…we can measure this (culture change) through upheld complaints levels, consumer redress levels and feedback from consumers".
Culture is complex and notoriously difficult to change, and if change is to be achieved, action is required on a number of levels.
Bringing these various strands together, we have in the FCA, a regulator that expects the industry to 'do the right thing' for consumers. It sees poor culture as a key root cause of financial misconduct and sees complaint levels as a key indicator of culture change. Finally, the fact that complaint levels are in the millions and, whilst reducing, are doing so very slowly suggests there is much work still to do.
So, if culture change is the key to reducing complaints, how might we go about tackling this?
Culture is complex and notoriously difficult to change, and if change is to be achieved, action is required on a number of levels. Using recent messages from the FCA's executives and its SM&CR survey, a programme designed to address the underlying causes of complaint levels could look like this:
- Senior Management
It's clear that the FCA expects senior managers in firms to take the lead and set the tone and direction for making the firm more responsive to customers. Whilst the FCA have stated that their research indicates that the Senior Manager's Regime (SMR) is being embedded with some success in firms, they do not appear to have the same level of confidence around the effective training and implementation of the new Conduct Rules. In his recent podcast, Jonathan Davidson talked about conduct rules being 'almost a pledge' where employees uphold the four fundamental behaviours, i.e. acting with integrity, due skill, care and diligence; treating customers fairly; being open with regulators; and keeping to proper standards of market conduct, can and should 'push back' against any behaviour going against these fundamentals.
Therefore, in addition to setting the tone through their own behaviour, the second focus for senior managers is to focus on training individuals in what the Conduct Rules mean in the context of their own roles.
- Conduct Rules
The second area is to focus on embedding the newly implemented Conduct Rules regime to the same degree as has been achieved with the SMR. Using the results of its own survey, the FCA points to different priorities for each regime, however, a key finding focuses on role relevant training.
Secondly, staff should feel able to use this increased awareness and capability to speak up if they see or are being asked to do things that contravene this conduct rule 'pledge'. Of course, the other side of this is that management at all levels should work to create an atmosphere where staff feel empowered to speak out. The banks and insurers, who have been live with SM&CR since 2016, have seen a Prescribed Responsibility introduced that seeks to ensure that the firm's internal whistleblowing procedures are known and provide protection of staff who raise concerns. Although there is no whistleblowing Prescribed Responsibility for Solo Regulated firms, given the links between whistleblowing and a healthy culture, there is every reason to believe the FCA still expects whistleblowing to be 'front of mind' for executives.
- Re-review Complaints
If the first two actions are 'top-down', the final action is more 'bottom-up'. An expectation of the DISP rules is that firms conduct root cause analysis (RCA) of their complaints as part of their overall complaints process management. Where systemic and/or recurring issues are identified, then the firm should expect to put plans in place.
However, with the new and increased focus on complaints in the context of culture change, it would be prudent to re-view them with a particular focus on root causes that are borne out of culture. Difficult as it may be the results of this analysis should be taken on board by senior management and specific actions put in place to address the common causes of complaints that are rooted in 'poor culture'.
There are many research studies that have found that focusing on complaints and their root causes turn complainants into brand advocates [4]. Positioning a case for a re-review of complaints to senior management as good business sense would make it far easier to get 'buy-in'. And, given the complaint figures at the beginning of the article, really addressing these root causes could deliver significant business advantage for the firm.
Whilst the concept of 'zero complaints' is an impossibility, taking action in these areas could have a major impact in reducing the number of complaints and amounts paid out in redress each year. Finally, it would demonstrate to both the regulator and consumers alike that it is serious about culture change and putting consumers at the heart of what it does.
[1] https://www.fca.org.uk/media/podcast/inside-fca-podcast-interview-jonathan-davidson-and-jayne-anne-gadhia-culture-and-smcr
[2] https://www.fca.org.uk/publications/multi-firm-reviews/senior-managers-and-certification-regime-banking-stocktake-report
[3] https://www.fca.org.uk/publication/business-plans/business-plan-2019-20.pdf#chapter-5
[4] https://hbr.org/2018/01/how-customer-service-can-turn-angry-customers-into-loyal-ones


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Investors who owned stocks in the 2010s generally experienced some big gains. In fact, the SPDR S&P 500 (NYSE: SPY) total return for the decade was 250.5%. But there's no question some big-name stocks didn't keep pace along the way.
Exxon's Difficult Decade
One of the biggest market laggards of the decade was oil major Exxon Mobil Corporation (NYSE: XOM).
Exxon is the largest American oil & gas supermajor. As recently as 2011, Exxon was the most valuable company in the world by market cap, but a collapse of the global oil market in 2014 dragged down the entire energy sector.
Exxon started the 2010s trading at around $68. Surprisingly, Exxon hit its low point of the decade in mid-2010, trading down to $55.94. Exxon then rocketed higher in the next several years, reaching its decade high of $104.76 in mid-2014, just prior to the oil price collapse.
2020 And Beyond
Exxon shares dropped back below $100 within months and were back down below $70 by mid-2015. Despite a stabilizing global oil market, Exxon shares have yet to gain significant traction and haven't traded above $85 since late 2018. Exxon started the decade as the largest U.S. public company, but ended it as the 15th largest.
Exxon investors still managed to turn a profit in the 2010s, and $100 worth of Exxon stock in 2010 would be worth about $140 today, assuming reinvested dividends.
Looking ahead, analysts expect Exxon will finally start to gain some ground in 2020. The average price target among the 21 analysts covering the stock is $75, suggesting 7.2% upside from current levels.
Related Links:
10 Worst Performing S&P 500 Stocks Of 2019

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Royals played old friend Lorenzo Cain today but were unable to beat him and the Brewers because of a bad 2nd inning and lack of offense. The game was fairly uneventful with all of the Brewers runs coming in the 2nd but there are still some positives from this game even though the Royals didn't win.
As I said earlier the Brewers got all of their runs in the bottom of the 2nd versus Scott Blewett. It began with Manny Pina single that scored Logan Morrison. Then with two runners on Orlando Arcia hit a 3-run HR to make the game 4-0 Milwaukee. Royals got their first run in the 5th when Kyle Isbel scored on a wild pitch by Brent Suter. Royals struck again in the 6th when Cam Gallagher singled which drove in Erick Mejia. Unfortunately, that would be the last run the Royals scored.
On the pitching side, Jakob Junis made his first start going 1.0 inning and collecting 2 K's. Jake Newberry had a scoreless 3rd. Prospect Kris Bubic had 2 scoreless innings getting Lorenzo Cain to ground into a double play and getting 2 strikeouts while displaying good stuff. Tyler Zuber also displayed some nasty stuff in the 6th getting a strikeout and double play. Josh Staumont continued his strong spring with another scoreless inning with a strikeout. Staumont could get a spot in the major league bullpen if he continues this success. Ofreidy Gomez also put up a scoreless frame.
Mike Montgomery makes his 1st start of the year tomorrow versus the Giants at 2:05.
Singer shines, offense sputters in 8-0 loss to Cubs
The Royals lost their second game of their split-squad doubleheader against the Chicago Cubs 8-0 However, they got a good look at what could be the future of the team with strong showings from three of their top pitching prospects. Brady Singer got the start ... Read more
Should the Royals take a chance on Yadier Alvarez?
The Dodgers recently designated pitcher Yadier Alvarez for Assignment. The 23-year old posted a 14.73 era in Triple A Tulsa last season. Yes I know that is a high ERA but when the Royals called up Glenn Sparkman from Omaha he had a 63.00 ERA ... Read more


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The boss of Lloyds has said the impact of the coronavirus has been "profound" as the bank took a bigger-than-expected hit that pushed it into a loss.
Chief executive Antonio Horta-Osorio's bankers revealed that the business had taken a £2.4 billion impairment charge in the second quarter for the loans it thinks might go bad.
It is almost £1 billion ahead of the £1.5 billion charge that analysts were expecting.
The news sent Lloyds into the red, with the bankers racking up a £602 million pre-tax loss for the first half of the year.
According to an average of the estimates by analysts who cover Lloyds, the bank was expected to lose £31 million before tax.
"The impact of the coronavirus pandemic in the first half of 2020 has been profound on the way we live our lives and on the global economy," Mr Horta-Osorio said.
"We remain fully focused on helping our customers and the UK economy recover, in collaboration with Government and our regulators."
Shares were down around 4.3% as trading started in London on Thursday morning.
The impairment adds to a £1.4 billion charge taken in the first quarter of the year, and bankers now expect the hit to reach between £4.5 billion and £5.5 billion in 2020.
Lloyds said its outlook for the year remains "highly uncertain" and warned that "the impact of lower rates and economic fragility will continue for at least the rest of the year".
Mr Horta-Osorio said: "I want to express my sincere gratitude to all my colleagues across the group for their dedication and persistence which have allowed us to deliver vital banking services to our customers effectively throughout the pandemic.
"Although the outlook is uncertain, the group's financial strength and business model allow us to help Britain recover and play our part in returning our country to prosperity.
"Our customer-focused strategic plan remains fully aligned with the group's long-term strategic objectives, the position of our franchise and the interests of shareholders."
Earlier this month, Mr Horta-Osorio said he will step down from the top job next year after a decade in charge.
The banker's departure will mark a regime change at Lloyds as the board appointed Robin Budenberg as chairman.
He replaced Lord Blackwell, who had previously announced he was leaving in 2020.
Donald Brown, senior investment manager at Brewin Dolphin, said: "Lloyds' pre-tax loss is worse than analyst expectations and, like Barclays earlier in the week, it has had to set aside a large amount of capital to offset the potential impact of Covid-19 on its loan book, with bad debts expected to rise sharply.
"However, the bank is well capitalised and strong liquidity and increased customer deposits mean it has the opportunity to lend into the recovery, with the potential to underpin longer-term growth.
"Of all the major banks, Lloyds is most exposed to the performance of the UK economy, which brings with it its own set of challenges – not least the influence of Brexit, which is still taking shape in the background.
"Nevertheless, the underlying tone of the statement is gloomy, as the bank seeks a new CEO to guide the group forward."
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Tummy tuck recovery
I like many of you,I'm trying to keep myself busy during the quarantine. I've planted and arranged my potagere's garden to be little different this year.No still no wrought iron fencing yet but I've got an old garden gate and washtub planters in place. I'm loving my time in the garden She just seems to fit in among the garden plantsThe tubs are filled with basil and thyme with a tomato plant added a few days ago,I'll later sow lettuce among themInstead of stenciling the names of the plants as I did a few years ago I decided to use numbers for a little funI love the tubs like this,I was going to whitewash them but then changed my mind when putting up the gate. The galvanized look seems to remind me of days gone by of great grandma's home and garden Just too cute for words
And with herbs showing in time it will be perfectly beautiful The wheelbarrow planted with cucumber and bell pepper with sage and lamb's ear below and peonies planted in the bags of top soil at the corners of the garden. Welcome to my potagere's garden where it's always open to friends who come for a visit of small talk, tall glasses of sweet tea and lots of laughter and gigglesI'm doing what I can as I'm healing from the tummy tuck,mini breast and nipple lift. As I have written before I had an issue with the what is called the flap where three area's of skin are sutured together. This is common and with me being a smoker at the time of a surgery date being scheduled, I quit smoking the 7th of March with surgery on the 18th, my age,other health issues and medications,I just happened to have issues with neurotic tissue that needed debridement. Once the neurotic tissue was removed healing has began,slowly but it's healing. I've had two debridements creating a better environment for healing. Though I have a secondary intention wound that needs packed with gauze moistened with sterile water and a dry bandage placed over the entire wound, a wet dry dressing it's healing. At the first debridement I was left with a secondary wound that was 3″×2″ with the depth of 1″. Now the end of April the wound has healed a bit to a 2″×2″ with the depth of 1/2 " so I'm making progress. My appointments are now a week apart and not Tuesday's and Thursday's. I must say I have the best plastic surgeon,he's on top of everything and leaves nothing to chance. I appreciate him keeping a vigilant eye on me.I can feel myself getting stronger,I'm able to work more in the garden which let's me know I'm in my element once more. I'm able to do more around the home so Donnie doesn't have to do much after work. I hated for him to have so much on his plate but he doesn't mind nor does he complain. Hopefully soon I'll be able to take pictures of myself and post them,even with swelling and the secondary wound I can tell a difference in the shape of my body,it's getting to the pre-pregnancy look and feel. I can definitely see a change in my appearance and I love it !If you've been thinking of having a tummy tuck I scream GO FOR IT !!
There's nothing that has ever built my self esteem as this has. I feel more confident and secure in my own skin,I not only love myself I also love my body. The scar from the hysterectomy and sagging skin from two pregnancies made it worse and as I've said before I felt insecure and hated my body. Now that's a thing of the past.
I still have swelling and a few pounds to lose but I'm getting where I desire to be


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Hello my darlings!
This post is a little later than usual because I spent the whole day battling with YouTube so I could upload the video version, after doing a live reading on Facebook.
On top of this, Amazon's KDP has temporarily removed the e-book version of You Hold The Cards from their store because for some strange reason, they suspected copyright infringement (the paperback version is still up, even if the content in both books is exactly the same).
Mercury Retrograde: J-16. I know, right?
They sent me an email saying I had five days to resolve the issue, to which I replied immediately explaining that hadn't committed any copyright infringement, only to receive an automated email saying to expect delays in replies because of the COVID-19 situation.
I almost called them today, but found myself getting really frustrated and upset. So I put my phone down and decided to deal with the situation tomorrow, after meditating and generating energy for a quick, easy resolution. It worked several times before when I had to deal with KDP and Amazon customer service, so I'm keeping my hopes up.
And if the issue isn't resolved and I can't have the e-book version of You Hold The Cards on KDP, so be it. Worst case, I'll offer it as a free download or something similar. After all, I am working on a second book, and have a third and a fourth on the back burner (and many more that are still in the "idea folder" – I'll show you that soon). So, as a very dear friend of mine always says, "breathe and remember everything is happening in your favor."
I think I'll do just that.
Now that I think of it, this issue that I'm having with Amazon does align somewhat with the theme from today's cards.
For this first week of June, we have Justice, Strength, and The Devil.
Justice is all about karma and the energy we put out there, especially when people have wronged us. Because everything is energy and whatever we do comes back to us, we need to ensure that every action we take is good. So when people harm us, we need to make sure we're not seeking retaliation, but taking defensive action to protect ourselves and our loved ones. This way, we know we've done what we could to prevent any harm from happening to us, and we kept our slate clean by not causing harm to others.
Strength represents the dual-face of force: there's brute force, which is when you bare your teeth, and give whoever you're having a conflict with a taste of what you're capable of. And then there's the more diplomatic approach, when you use gentleness to get what you want. Of course, we aren't pitting one approach against the other – depending on the situation, each can be the best course of action. However, the key, here, is asking yourself which one is the best response. You achieve that by taking enough time for yourself to be guided towards the answer. (I'll keep that in mind when I'm dealing with Amazon tomorrow!)
Lastly, the Devil reminds us to be mindful of who we let into our life. There are different ways people can be too good to be true: when they play the role we desperately need in our lives (parental figure, best friend, spiritual adviser, etc), when they give us all the validation we need, when they treat us like the closest person to them twenty minutes into the relationship… And there are people preying out there for new toys to play with. The smart thing to do is nip the relationship in the bud by listening to our intuition whenever we feel suspicious. But if you feel it's too late, then there's only one way to go: through the fire. Ending a toxic relationship with a fake person will never be easy – they won't let you be as soon as you try to peacefully walk away. Aside from the inevitable smearing and hovering, there are spiritual ties that need time to be undone. But trust your gut when it tells you this is necessary for you to move forward in life.
I hope this brings much-needed insight into the beginning of this new month for you!
With that, my darlings, much love and namasté!


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Healing Human Hearts
Spiritually Driven
Shifa Institute provides innovative youth and family programs for a more socially cohesive society.
The Book of Assistance online class for Monday 14 September 2020 has been CANCELLED and inshallah resuming next week.
To access our live classes of Book of Assistance and The Advice, you need to register at the specific links below – then wait for a confirmation email with your unique class link.
Our Latest posts
Arabic Immersion Course for Children
Update: We commenced with a lovely young group of children from Arabic and non-Arabic backgrounds on Wednesday 2/9/2020. They had a site tour (in Arabic), played ten pin bowling (in Arabic), made their own green turtles (in Arabic) and had a total blast of fun. If you're interested for your child, reach out to us ASAP!
- Give your child a head start with our Arabic Immersion Course.
- Especially designed for your child's beginner Arabic needs by QUL College, we aim to have most of our instruction delivered in the Arabic language.
- Immerse your child in an Arabic environment on a weekly basis (two sessions per week).
- We integrate Quran, Dua and Dhikr into our Arabic Immersion Program so your child develops a more versatile grasp of the Arabic language.
- As our initial intake this term is geared towards homeschoolers since it's on Tuesday and Wednesday mornings, we are more than happy to still take your expression of interest for alternate times (after school) for our next intake. We also currently offer a Saturday 12:30pm to 1:30pm Arabic program. Just indicate your preferred alternate times in the comments section in the form below
- We are now taking registrations for a […]
QUL College
QUL College currently runs on Fridays and Saturdays. Classes are now conducted face to face, with a COVID-19 Safety Plan in action. Once we have contacted you to confirm your child's enrolment, you will receive the full brief on the COVID-19 Safety Plan.
Last Updated: Tuesday 21 July, 2020
Finding a nurturing environment for your child to develop in their Islamic knowledge, manners and character is no doubt the desire of every Muslim parent. In creating the 'Ultimate Islamic Learning Experience, QUL College has very limited spots available this term for keen students.
The ages we have openings for on Saturdays are boys and girls, aged 5 to 17.
Depending on your child's age, level and day of attendance, students are currently covering:
📖 Reflecting on the Quran: Tafsir Juz' Amma, Tafsir Surat Yasin
💠 Worshipping Allah: Fiqh of the 5 Pillars of Islam, Fiqh of Transactions and Trade (al-mu'amalat)
✅ Behaving Well: Beginning of Guidance by Imam al-Ghazali, Adab Suluk al-Murid by […]
The Advice – al-Wasiyyah – Poem by Imam Abdullah ibn Alawi al-Haddad taught by Shaykh Ahmed Abdo
My first dowrah (40 day intensive course) in Dar al-Mustafa back in 2005. I would sleep inside the room that would eventually be the same room I would study the Shafi'i fiqh manual Minhaj al-Talibeen of Imam al-Nawawi many years later.
It would be the same room which seemed to have been infested with bed bugs (aka baqq!) which not only would suck your blood, but also not allow you to sleep.
Each morning I would wake up and search for the culprit 'baqq' but couldn't find where they were coming from.
It wasn't until 40 days later, when I had to roll up my sleeping bag, that I found armies of 'baqq' warmly nested in the seams of the sleeping bag and inside the pillow case. I don't think I had scratched so much and so hard before in my life.
REGISTER HERE for The Advice by Imam Abdullah ibn Alawi al-Haddad, taught by Shaykh Ahmed Abdo
The voice of the dedicated students and teachers who would walk around an hour before fajr waking us students up, with a loud and long 'laaaaaaaaaa ilaaaaha illallaaaaaaaah…." and for those of us that wouldn't wake up […]
Book of Assistance – Women Only Class
Register here for the Book of Assistance Women only class, taught by Ustadha Genan Dadoun.
The Book of Assistance is one of Imam Abdullah ibn Alawi al-Haddad's concise but detailed spiritual treatises.
QUL College Goes Online Due To COVID-19 Arrangements
Announcement to Parents
Assalamu Alaykum. I pray you and your family are well, particularly in this rapidly changing environment as a result of the precautionary measures to slow down the spread of COVID-19.
At QUL College, we have taken this matter with full seriousness, and to reduce any potential risks of this virus spreading amongst our students and in turn their family members, we have taken the decision to continue delivering our classes through online video conferencing.
For Term 2 (including Ramadan), you will need to register here: qulcollege.com/events
When you complete the above registration, choose your preferred class and complete the order for your children. You will be sent the private Zoom link prior to commencement of the class.
You can use either a desktop computer, laptop, or tablet/phone to enter the video meeting. We will continue to use the Zoom platform. We have performed some preliminary testing, and insha Allah hope this will be a helpful means to engage your child with QUL College, whilst not presenting any health risks.
Considering we don't want your child to be looking at the screen for an extended period of time, we will ensure there are regular breaks in […]
Shaykh Mazen Ahram (from Masjid al-Aqsa, Palestine) Sydney Tour 5-9 March 2020
This event has now ended
I met Shaykh Mazen Ahram from Masjid al-Aqsa on his previous visit to Sydney in 2018. Our Sacred Links group visited the Shaykh in Zawiyah at Masjid al-Aqsa in April 2019. He took us for a breathtaking tour on our night of arrival into Quds, pointing out the most amazing places in Masjid al-Aqsa.
We met him again at Masjid al-Khalil, wherein lies the resting place of Sayyidinā Ibrāhīm alayhissalam.
Now he is visiting Sydney and it's time to revive the legacy of Masjid al-Aqsa, what it stands for, its place in our Islamic history, and the fact that therein is the ONLY place on terrestrial earth that has a direct opening to the heavens!
Whilst many of us consider and end up going to Umrah, visiting Makkah and Madinah, only few seriously consider Masjid al-Aqsa and its surrounds.
Don't miss this opportunity to be in the company of a living scholar who was born, raised and educated in the Islamic sciences within the old city of Jerusalem and Masjid al-Aqsa.
Get ready for the tour of *Shaykh Mazen Ahram from Masjid al-Aqsa, Jerusalem, Palestine


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As a producer, you'll oversee and lead nearly every aspect of a film, television or theatre production, including scripting, direction, and even marketing.
Fine Artist
As an artist, you'll share your unique point of view through visual expression. From rough sketches to the final brushstrokes, you could be creating the world's next masterpiece.
Craft Jeweler
Through creativity, craftsmanship and attention to detail, you'll design original jewelry using a variety of materials, whether you're starting your own business or simply exploring a new hobby.
As an actor, you'll portray characters in any number of performing arts mediums such as theatre, film and television. It's your job to bring these characters from the script to life.
Graphic Designer
As a graphic designer, you'll develop concepts and use your personal expression to visually communicate ideas that can inform, persuade or entertain audiences. From early concepting to the finishing touches, you'll be creating the latest in modern design.
Heating, Air Conditioning and Refrigeration Mechanic and Installer
In one of the state's fasting-growing industrial technology careers, Heating, Air Conditioning and Refrigeration Mechanics and Installers – HVAC Technicians, for short – install, repair and maintain the heating, ventilation, cooling and refrigeration systems that control the temperature and air quality in buildings.
Property Maintenance Technician
As a Property Maintenance Technician, you help to maintain a property by using a practical skill-set, ensuring that different facets of a building are running smoothly and seamlessly for the residents or guests. These skills can include knowing how to maintain on-site machines, mechanical equipment, and structural upkeep, as well as installing new equipment.
Guest Services Coordinator
Guest service coordinators are an integral part of the tourism industry as they work to meet the needs of guests by scheduling reservations, managing phone calls, taking payments, and greeting new guests as the face of the establishment. They also coordinate special events and assist with sales.
Hotel Manager
College of The Albemarle's Hospitality Leadership Program will prepare you for a rewarding career providing outstanding vacation experiences. In just a few months you can be qualified to be an integral member of a team.
Job opportunities abound within the growing tourism industry on the Outer Banks. Certification recipients will have priority interviews, internships, better starting pay and additional opportunities for promotion with our many partner companies.
Personal Trainer / Fitness Coach
Fitness trainers evaluate a client's abilities, needs, and physical condition to develop an appropriate fitness training program. They play a critical role in a client's progress, helping to improve their fitness level and overall well-being. Fitness trainers and coaches also teach fitness, exercise, and nutrition classes.
Dental Assistant
Dental Assistants work directly with dentists and patients during routine exams and procedures by preparing patients for treatments, sterilizing instruments, handing dentists instruments during procedures, maintaining patient records and coaching patients on proper dental hygiene.
Social Worker
In hospitals and mental health clinics, adoption and child service agencies, community health organizations and even schools, you'll find Social Workers striving to help people identify and solve challenging problems and improve their quality of life.
Health Services Manager
Health Services Managers plan, direct and coordinate health and medical services. They might manage an entire facility, a specific a medical department or a physician network. They direct those providing care, and implement new technology and the changes that come with healthcare regulations. This career requires you to go on to earn bachelor's degree.
Health Informatics Specialist
Health Informatics Specialists ensure hospitals and health practitioners have software installed that helps with data management and data archiving/retrieval, maintain confidential patient records that are compliant with healthcare industry coding standards, and provide technical support.
Phlebotomists work with patients to draw, label and store blood for tests, transfusions and donations. The best Phlebotomists are not only careful and precise in their work, they also explain the process and reassure patients in ways that calm their nerves and anxieties.
Medical Assistant
Medical Assistants work directly with doctors and other health care providers by scheduling patient appointments, assisting with patient examinations, recording patient histories and personal information, measuring and recording vital signs, giving injections, drawing blood for lab tests and performing ECGs.
Nurse Aide
Nurse Aides play a vital role in caring for patients and extending nurses' reach by cleaning and bathing patients, helping them toilet and dress, measuring vital signs, recording patients' health concerns and reporting those concerns to nurses who can assess and offer critical care.
Surgical Technologist
Surgical Technologists are responsible for preparing operating rooms and patients for surgery, sterilizing equipment, passing surgeons supplies and instruments during procedures, and even holding retractors and sutures to ensure operations are smooth and precise.
Licensed Practical Nurse
Licensed Practical Nurses monitor patients' health and administer basic patient care like checking blood pressure, changing bandages, inserting catheters, helping patients bathe and dress, maintaining records and reporting patient statuses and concerns to registered nurses and doctors.
Registered Nurse
From hospitals to health agencies, doctors' offices to public health organizations, Registered Nurses (RNs) work with integrated healthcare teams to recognize and assess illnesses, provide treatments, educate patients and communities, and offer care and support to patients and families.
Cosmetologists offer beauty and wellness services like shampooing, cutting, coloring and styling hair, applying makeup, performing hair removal and providing nail and skin care – services that nurture people's physical health while strengthening their confidence and self-image.
Chef or Head Cook
Chefs and Head Cooks are not only culinary masters, they are leaders in their kitchens, often managing kitchen staffs and cook teams, creating restaurant menus, ordering and managing food and supplies, not to mention preparing amazing, delicious meals.
Preschool Teacher
Preschool Teachers play a vital role in helping children and parents get off to a great educational start, guiding children's play through stories, songs, games and creative activities that expand their vocabulary, sharpen their motor skills, nurture their social skills and inspire their curiosity.
Executive Assistant &
Office Manager
While their responsibilities vary widely – from preparing reports to developing presentations, managing calendars to supervising clerical staff – the best Executive Administrative Assistants and Office Managers help company leaders gather and analyze the information they need to make critical decisions.
Health Services Manager
Health Services Managers plan, direct and coordinate health and medical services. They might manage an entire facility, a specific a medical department or a physician network. They direct those providing care, and implement new technology and the changes that come with healthcare regulations. This career requires you to go on to earn bachelor's degree.
Network & Computer Systems Administrator
Network and Computer Systems Administrators work to plan, install, configure, support and secure the internet systems and networks that manage the flow of data through our businesses, our neighborhoods, our cities and our world.
Health Informatics Specialist
Health Informatics Specialists ensure hospitals and health practitioners have software installed that helps with data management and data archiving/retrieval, maintain confidential patient records that are compliant with healthcare industry coding standards, and provide technical support.
Computer Repair Technician
Computer Repair Technicians work to test, fix, maintain or install a variety of computers and electronics machines businesses, households and consumers use every day. The best Computer Repairer Technicians are not just technical experts, they're strong problem-solvers and great communicators.
Aircraft Mechanic & Service Technician
As an Aircraft Mechanic and Service Technician, you will work to keep planes and helicopters in top flying condition – and keep pilots, passengers and cargo safe – by diagnosing, repairing or overhauling aircraft engines and assemblies.
Software Developer
Software Developers are technical experts and creative problem solvers who design, code and maintain programs and applications for desktop computers, phones, tablets and even servers and data systems.
Marine Diesel Engine Mechanic
As a Marine Diesel Engine Mechanic, you will work to repair, reconstruct, and maintain marine engines, marine machinery, and related equipment.
Database Administrator
Database Administrators design and use databases to store, organize and secure the massive amounts of data businesses and organizations generate, ensuring information is available to users who need it and protected from those who do not.
While most people run away from accidents and disasters, Firefighters rush into explosive danger to control fires, contain accidents and offer emergency, lifesaving care to people who are sick, injured or trapped in fires or other dangerous situations.
Computer & Technical Support Specialist
Wherever there are computer and data systems at the heart of a business's or an organization's work, you will find Computer and Technical Support Specialists installing hardware and software, troubleshooting issues and empowering users to better perform their jobs.
Welder and Cutter
Welders and Cutters are expert craftsmen who use a variety of hand-held arc welding, flame-cutting and oxy-fuel welding tools to cut, fabricate, and weld metal parts and products to exact specifications.
Accounting Clerk
Accounting Clerks produce and maintain organizations' financial records, supporting accountants and finance executives by recording financial transactions, updating and reconciling financial statements, and reviewing financial records for accuracy and consistency.
Machining is at the base of all manufacturing. You'll use your hands to set up and operate manual machines, program computerized numerical control (CNC) machine tools and read engineering drawings to create precision parts and assemblies.
Police Officer
Along with other first responders, Police Officers are the backbone of a free society, protecting people and their property by enforcing the laws that govern us and providing emergency assistance to victims of crimes, accidents and disasters.
EMT and Paramedic
Emergency Medical Technicians (EMTs) and Paramedics rush to accident and disaster scenes to offer lifesaving care, quickly assessing people's medical situations, performing emergency medical services, and transporting patients to hospitals and medical facilities.
Computer Programmer
At the heart of every computer function is a conversation, an exchange of language – called code – that instructs programs and devices to perform certain functions. Programmers are experts in that language, writing code to create and implement software programs in ways that computers can follow.
Computer Aided Drafter
Working hand-in-hand with architects and engineers, Computer Aided Drafters use computer software to translate architectural designs into three-dimensional drawings and technical plans, helping to design everything from buildings and bridges to machines and electronics.
Detective & Investigator
Detectives and Investigators gather and analyze evidence of possible crimes and illicit activity in a variety of contexts, from undercover surveillance and crime scene analysis to investigative audits that expose corporate fraud and white collar crime.
Medical Laboratory Technician
Often working under the supervision of a medical technologist and using a variety of laboratory instruments and machines, Medical Laboratory Technicians perform routine medical lab tests on body fluids like blood, urine and tissue samples to help diagnose, treat and prevent diseases.
Agricultural Manager
Agricultural Managers operate farms and ranches that produce crops, livestock and dairy products. They are responsible for overseeing all steps of the crop production and ranging process. In addition, they facilitate the business side of the organization. They serve as sales agents for livestock and crops, and they record financial, tax, and employee information.


text:
Hey Pedro-
Great video! I have been thinking for a while about this. Do you notice that you have anything that psychiatrists would call delusion but you call powers? Or do you notice any synchronicities that happen around you for one reason or another? I see ravens around town, and if I pay attention to when I see them, they give me advice. This started about 14 years ago. What do you read further on this stuff? I could recommend a few books I think. One is A Course in Miracles, as it teaches you the power of the relationship between your mind and reality, and if you have what this video says that book could probably do some pretty wondrous things for you, at least the workbook part. Also creative visualization by shakti gawain. I think people with schizophrenia have a gift, not a curse. I have used it for money a few times, and can tell you how I did that if you are interested. Very much want to hear from you! good to see someone on the same wavelength.


text:
Australian Invoice Finance (AIF), the rapidly growing challenger to dominant players in the Australian cashflow finance sector, has made a significant appointment for the Victorian and Tasmanian markets.
Chris Allchin has been hired by AIF as a senior manager to set up its Victorian and Tasmanian operations and spearhead sales growth in both states. Since launching in August 2017, AIF has had significant growth and continues to sign up new clients and help Australian businesses achieve their cashflow needs.
Mr Allchin, who is based in Melbourne, has 11 years' experience in SME finance, most recently at FactorONE, where he was a business development manager for four and a half years, focusing on management of broker relationships and potential leads in Victoria.
Mr Allchin said he was extremely pleased to be joining AIF after a refreshing six-month break from professional services. "I kept a very close eye on AIF and Greg Charlwood during this time, as a new invoice financier in the market. I am looking forward to working with the AIF team and especially Greg, who is a recognised pioneer in this industry.
"I have always enjoyed working with SMEs, especially businesses in distress, because there is a level of care and understanding that's required, which I find is not as common as it should be in the debtor finance industry. Ensuring continuity with clients before and after settlement is paramount to ensuring what you put on the table as an offering, is being followed through on," Mr Allchin said.
This is the third appointment in the past 12 months for AIF after Gary Green, senior manager for Western Australia and South Australia was appointed in February 2018 and Drew Vautin, senior manager for Queensland, came on board in June 2018.
Greg Charlwood, AIF managing director said, "We're very excited to have Chris join the AIF team as a key appointment. He is a passionate and driven individual who is sure to achieve great outcomes for our clients in Victoria and Tasmania."
AIF's fast start showed that established cashflow finance players were not meeting the needs of SMEs, especially smaller companies. AIF offers to pay up to 90% of unpaid invoices without asking for property as security, 24-hour approvals and greater flexibility for clients going through challenging periods.
Cashflow financing is a form of lending in which a loan is backed by a company's expected cashflows, which can be determined by the value of outstanding customer invoices for work done or goods sold. Cashflow financing companies guarantee to lend a set percentage of these unpaid invoices up front with the balance paid, less a fee, when customers pay the outstanding invoices.


text:
Departmental Papers (MSE)
Document Type
Journal Article
Date of this Version
July 2006
A novel relaxation phenomenon occurs in buried SrRuO3 layers in strained (Ca1-xSrx) (Zr1-xRux)O3/SrRuO3/SrTiO3 (001) thin film system. The lightly strained SrRuO3 buried layer is initially clamped by the SrTiO3 substrate. After a heavily strained (Ca1-xSrx) (Zr1-xRux)O3 overlayer is deposited, localized strain relaxation develops in the buried layer. This is manifested by a crosshatch pattern of 〈100〉 corrugations on the surface, due to the slip of 〈100〉 {100} threading dislocations. The phenomenon can be controlled by tuning the growth kinetics and strain energy of the overlayer.
Copyright American Physical Society. Reprinted from Applied Physics Letters, Volume 89, Issue 3, Article 031905, July 2006, 5 pages.
Publisher URL: http://dx.doi.org/10.1063/1.2221900
Recommended Citation
Kim, S. G., Wang, Y., & Chen, I. (2006). Strained relaxation in buried SrRuO3 layer in (Ca1-xSrx) (Zr1-xRux)O3/SrRuO3/SrTiO3 System. Retrieved from https://repository.upenn.edu/mse_papers/111
Date Posted: 27 November 2006
This document has been peer reviewed.


text:
Hi, I'm Emma!
The 1:1 Diet that really works
I have never been particularly skinny but happy with my weight until I had two children and I never properly lost the baby weight and it just kept creeping upwards, without me really noticing. The only time I had to face my weight gain properly was when clothes shopping and finding things that made me feel and look fabulous became harder to find! Also looking at holiday photos made me realise I had piled on the pounds.
Last January, I suddenly thought, enough is enough! I have a friend who is a Cambridge Weight Plan Consultant so I went to see her and with her help, I managed to lose 2 stone* in just over 2 months. It was hard work at times but if you stick to the plan, it really does work and I found, much quicker than other diets I have tried, which is very satisfying and helps you keep going. The best thing is, I have maintained this weight for a whole year! After trying various fad diets, Cambridge Weight Plan has worked properly and I now really want to help other people feel good about themselves.
If you have a little or a lot to lose please give me a call and start your weight loss journey today!
* The weight lost and/or timeframes are particular to this slimmer. Everyone's weight loss journey is unique to them.
Request a callback from Emma
Email: firstname.lastname@example.com
07797 749723
"Contact me today so I can help you kick start your diet!"
Get in touchRequest a callback Other ways to contact me
Get in touch
How do I find the right Consultant?
When you put in your postcode, you'll see all the Consultants nearest you. Don't worry if they're not on your doorstep – lots of our Consultants are happy to come to you. Take a look at their profile and read what the dieters they have helped so far say – that should help you find someone on your wavelength. If you want to find out more before making an appointment, you can call, text or drop them an email.
How's this different to other diet plans?
The 1:1 Diet is a lot more flexible than other weight-loss plans and it's the ONLY one that gives you dedicated, one-to-one support from your own personal diet Consultant. That means your diet is designed for you, and only you. Together with your Consultant, you'll work out an easy-to-follow eating plan that fits with your routine and gets you the results you want.
What's the Awards and Achievements panel on Consultant's webpages?
You might have noticed each Consultant has an awards and achievements panel on their profile. Being a Consultant brings loads of benefits and as they build their business, Consultants achieve awards for their hard work. This might be from superb support to all of their clients to help them hit those weight-loss goals, to helping others in their team build their own successful business. The 1:1 Diet is all about recognising and rewarding these efforts and part of the reward is giving Consultants badges on their webpage, to show you what they've achieved.


text:
Your shopping cart is empty!
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Philipp Plein Skull Patch Shirt 12195165


text:
Another match and another loss for Bangalore, it was the same old story. They struggled to transfer any sort of pressure on Rajasthan Royals. The team's morale seems to be on an all time low.
Rajasthan, on the other hand, rectified their mistakes from the past losses. They didn't let the key moments go away from them.
The result of the match means- Bangalore is the only team without a win so far in this season.
Jos Buttler
He continued his good form in Jaipur, as he notched up another half-century to make it 4 half centuries in the 5 last matches he has played here. His knock helped Rajasthan chase the target with ease in the end overs. He made 44.5 points in the match.
Shreyas Gopal
He lived up to the pre-match expectations on him. He once again got rid of AB Devilliers and Virat Kohli early in the innings and made the situation difficult for Bangalore. He didn't stop there, he also dismissed Hetmyer in his very next over to make things even worse for Bangalore. His impressive 3/12 in 4 overs earned him the 'Man of the match' title. He made 43 points.
Yuzvendra Chahal
The Bangalore spinner was the only man who troubled Rajasthan batsmen in the chase. He broke the dangerous opening partnership to make things happening for Bangalore, but later few dropped catches by the fielders hindered his efforts and he couldn't dig deep into the Rajasthan batting order. He contributed 24 points in this match.
Steven Smith
He was on the verge of finishing the match, but his luck did not favour him. He was dismissed in the penultimate over.. He held the innings together after the departure of openers and made sure his team was in a good position at all times in the chase. He made 23 points in the match.
Marcus Stoinis
He was not at his best, but he played his part in the end overs by complementing aggressive Moeen Ali. His act helped Bangalore post a respectable total on the board. He made 22.5 points in the match.
Rahul Tripathi
He was ominous with his timing. His brisk knock allowed Steven Smith to play the anchor role in the chase. He over delivered and he made 21.5 points.
Parthiv Patel
He was the lone warrior for Bangalore with the bat in the top order. He held the ground firm even with regular fall of wickets at the other end. He was not only calculative, but also aggressive at times, which aided in moving the scores up. His 41-ball 67 runs stood out in the Bangalore innings.
Virat Kohli
The Bangalore captain failed to live up to his expectations. He was nowhere near his average points contribution per match. His sloppy innings at the top didn't come in handy for the visitors. He contributed 5 points in the match.
AB Devilliers
It was not his day, for the veteran batsman was dismissed early in the innings. Although his short stay at the crease was entertaining, his contribution was meagre and made very little difference to the team. He made 9.5 points.
We performed moderately in the match with our Grand league team predictions.
As there were few changes done by the Bangalore team, we have got the wrong combination in some Grand league teams. Although in a few other teams we have done decently where we got the combination right.
Here is the team that performed better in our Grand league team predictions
FD Grand league team
Jos Buttler (VC): 66.75
AB Devilliers: 9.5
Steven Smith: 23
Rahul Tripathi (C): 43
Shimron Hetmyer: 2.5
Ben Stokes:1.5
K Goutham: 4
Marcus Stoinis: 22.5
Jofra Archer: 9
Shreyas Gopal: 43
Mohammad Siraj:12
Total – 236.75
In this match we may not have hit the arrow, but in upcoming matches we will be more accurate with our predictions.
Dream Team
Parthiv Patel: 45
Virat Kohli: 15
AB Devilliers: 9.5
Steven Smith: 23
Rahul Tripathi: 21.5
Ajinke Rahane: 19
Moeen Ali: 13
Marcus Stoinis: 22.5
Mohammad Siraj: 12
Shreyas Gopal: 43
Yuzvendra Chahal: 24
That's it for this match from all of us at FanDuniya. We hope you find these articles useful. Please let us know in the app (via the chat interface) about what you think.
Please download our apps from the iTunes App Store or the Google Play App Store.
Tags: Dream11, Expert Review, IPL, RCB, RR


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Is ITV down in Milngavie, East Dunbartonshire, Scotland?
ITV is a commercial TV network in the United Kingdom. Streaming video is available through the ITV website and mobile apps.
No problems detected at ITV
ITV problems in the last 24 hours in Milngavie, Scotland
At the moment, we haven't detected any problems at ITV. Are you experiencing issues or an outage? Leave a message in the comments section!
Most Reported Problems:
- Crashing
- Buffering
- Playback Issues
- Sign in
- Video Quality
ITV Outage Map Near Milngavie, East Dunbartonshire, Scotland
The most recent outage reports and issues originated from Glasgow, Johnstone, Kirkintilloch and Bothwell.
|Playback Issues
|Video Quality
|Sign in
|Playback Issues
ITV in Milngavie, Scotland CommentsTips? Frustrations? Share them here. Useful comments include a description of the problem, city and postal code.
ITV Issues Reports Near Milngavie, ScotlandLatest outage, problems and issue reports in Milngavie and nearby locations:
(@erinburnett_) reported
from Renfrew, Scotland
While what's hpnjng on Instagram is progressive for the most part, I want this issue to be s/thing YOU CANNOT ignore, I want huge corporations @bbc @itv @Channel4 and media outlets @Daily_Record @thetimes etc to target EVERYONE we must educate and learn, every generation must act
(@Jagfox) reported
from Glasgow, Scotland
I'd have been better off watching Pointless or ITV as he was terrible at being tenable...#CumDog @richardosman @WarwickADavis
(@Sposcer) reported
from Renfrew, Scotland
@HughRodgers12 @AndyWells7 @Lord_Sugar @piersmorgan @ITV @GMB I haven't had the stomach to watch tbh o turn on each morning & last seconds then turn off, any man that is constantly sniping the way he is has issues.
Swiss Looker Two
(@swisslookertwo) reported
from Newton Mearns, Scotland
@davidwalliams @BGT @ITV So you are ignoring me I brought your attention the failure to help regarding the failure of your competition as it will not accept the word BOOK IN THE TEXT. PERHAPS YOU COULD ADVISE PLUS MANNERS
(@jakesnake998) reported
from Glasgow, Scotland
Is Saturday night tv the worse for viewing, last night on channel 5 we had almost five hours of the royal family road show . Heaven help us . On ITV we had Britains got talent. With the usual crap choir. A handful of kids , a guys playing the piano who horrendous .
Gazray 👻
(@Gazray) reported
from Kirkintilloch, Scotland
The real problem is the media/establishment and the utter morons that we let on tv to spew bile, all mostly in ITV's payroll. Troll culture comes from this.
sharon mc
(@burnssharonhotc) reported
from Coatbridge, Scotland
@jessicaj3221 @piersmorgan And it's tweets like this that can send people over the edge regardless of ITV's input this has nothing to do with Ant and I'm pretty sure reading this won't help his mental status #bekind
JAMiE WALKeR™
(@JLW1006) reported
from Glasgow, Scotland
Cancelling #LoveIsland isn't going to prevent suicide, FACT. No one killed themselves because of the show. The 'aftercare' isn't the issue. Peoples expectations and lack of talent mean they find themselves disappointed and unfulfilled leading to depression. But that's not on ITV
mo 🏳🌈🇪🇺
(@nevali) reported
from Paisley, Scotland
approximately 104% sure that ITV Player is what happens when bug reports accidentally get turned into user stories "displays spurious error messages when pausing playback" "AS A USER I would like to see spurious error messages…"
Eilidh Cant
(@ehlayy) reported
from Glasgow, Scotland
@clazzwx We just had this problem with another program, try STV player instead of ITV hub!
Sergio Georgino
(@StoneNu) reported
from Glasgow, Scotland
Try asking wee Mary doll a few questions or even watch Labour's Neil Findlay , or Peter Smith of ITV or Andrew Neil , what a state she gets into , they are glorious pieces car crash tv , don't take my word for it just watch them
Stuart Black
(@sblack505) reported
from Milngavie, Scotland
@Cainy1982 @do_mck @ITV That's the worst spell of 'whether' we've had for a while. 😉
Jason Bournemouth
(@EczemaBoy) reported
from Glasgow, Scotland
No clue what he's talking about. Boris Johnson's performance was awful - markedly worse than in the ITV debate actually. #Newsnight #bbcqt
Stephen McIlkenny
(@StephenBMcI) reported
from Glasgow, Scotland
They said the ITV debate was a non event. The #bbcqt felt seismic. My opinion. Car crash from #BorisJohnson and 'bubble bursting' for #JoSwinson Steady and probably a decent boost in support for #JeremyCorbyn Game changer for #NicolaSturgeon and momentum in SNP campaign
Scott Rogers-Wolfson
(@scottr0gers) reported
from Glasgow, Scotland
ITV: sorry SNP, we didn't invite you to the TV debates because your leader can't be prime minister, and we think you'll only respond to every UK-wide issue by saying it's another reason Scotland should be independent. SNP: well, I think what this clearly shows is Scotland shou..
Kenny McIntosh 🏳🌈
(@KennyMc1985) reported
from Glasgow, Scotland
@wrestling_poet @ThisisLukeOwen I understand. My issue is more that their tv deal (which left a lot to be desired) still worked out at a lot less money than WWE but they've worked to better ITV free options and got a live paid option. At this point if people are still dragging them through coals its entitlement
Jason Bournemouth
(@EczemaBoy) reported
from Glasgow, Scotland
Contractually obliged "ITV stars" playing the penny game at Blackpool Pier. The worst show on television just got worse. I have indeed reached my #TippingPoint.
Joanne Mac
(@Joban5) reported
from Glasgow, Scotland
ITV coverage of #GrandNationalDay is awful
Hazel McDonald
(@hazelglasgow) reported
from Glasgow, Scotland
@WistfulCass @Sandbach @AndrewAdonis @ITV @shahmiruk On several levels ! The people who are capable of such hate - so many of them The people who exploit that hate are awful. The 2 women behind Stand Up For - denying everything 😱😠
ITV Issues ReportsLatest outage, problems and issue reports in social media:
(@ellifanntine) reported
@NoNewZoo1 @thismorning @ITV Huh, the giggly and blank-faced presentation. Their attitude is the flip-side of callousness. Neither attitude affords the creatures any respect. Awful!
(@brendanleejones) reported
@Channel4 you adverts on 4OD are stupidly long and frequent the worst catch up app ever why don't you have a chat with @ITV for some tips!!! #Adverts #catchup #Channel4
Zoe Somebody
(@ZoeSomebody) reported
@DanielMays9 @ITV @NewPicturesLtd Fantastic series. Only problem is it was too short .. need more than 3 eps 👏👏👏
(@mrsbarkel) reported
@cynicalpeeler @Sathnam @ITV nah nah nah. this is not about him. this is bigger than him. this is a bunch of lads who used their platform to highlight an issue only to be met with floods of complaints from the british public because the message offended them!!! this is itv saying **** you to that. respect 👊🏼
(@krysia_boo) reported
@richard_baker @ITV @AppleTV Did you find a fix to this ? Can't seem to watch either
(@Pats990) reported
from Aldershot, England
@itvcorrie @ITV @WeAreSTV Think Nick's storyline is bloody awful. Poor Leanne. IMO.
mark fairhead
(@marcustheslim) reported
@AlStewartOBE @ITV @CarolMidgley Couldn't agree more. Trevor has flourished recently in watchable 'coffee-table' tv, but that was just plain awful
Budda Jenkins
(@BuddaJenkins) reported
@ITV I'm disabled, mostly housebound. Debian/Ubuntu server admin here. I know my stuff!! Please sort out your ITV Hub Player for watching online! It is really crap, stops, cuts out, crashes on all browsers etc. BBC iPlayer, Channel 4, no issues
La Liz
(@thegreygoose14) reported
@LizzieITV @ITV Looks like a high-quality production. I hope I can see it. So glad William is getting this out there now, and not following behind someone else's production.
Dan Lyden
(@lyden_dan) reported
@RoyalMail @ITV Where is my account manager or customer service. Email non existent. Terrible service.


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So I stopped by a local brewery today and had what they called a Hazy IPA. It was a very good beer even with a hoppy IBU in the 60's. I spoke with one of the brewers and he gave me the basic recipe;
2 Row Pale Malt (95%)Melanoidin (5%)
Simcoe Hops FWH (60 mins boil)Columbus Hops (15 mins boil)Amarillo Hops (Dry)
Not sure of which yeast to use. I was thinking re-using some of the Hothead I plan on harvesting.
Hazy IPA generally have unmalted wheat in them to give it the hazy. 2 Row Pale Malt and Melanoidin will not make a hazy beer. When i make mine i use 2 row pale, unmalted wheat and flaked oatsand sometimes a little munich This makes a nice hazy ipa and the flaked oats gives it a soft mouth feel. Best addition for hops is at bitter 60 minutes and a flavor at 30 the aroma 15 minute and whirlpool for 20 minutes and dry hop after primary fermentation
Here is a picture of mine
I should have taken a picture. It really wasn't that hazy, but that's what they called it. It had a nice amber color which I found odd for an IPA.
You can also get plenty of haze of the "juice" variety with only late hops additions. These terms are interchangeable these days.
Melanoidin gives a nice red color and body to a beer. We use it in a couple of ours. For our hazy NEIPA we use white wheat and flakes oats to achieve the haze and smooth mouthfeel. No melanoidin though. We bitter at 60 and then do additions at 10, FO, and WP if I remember correctly. Ours looks like this
Now thats flippin' hazy! I hear the local brewer messing with pH to get more added haze to... Damien? Sneezles61
If your Wort has a ph of 5.2 the proteins will bind and settle out during the boil. Not all of it unmalted wheat is so high in protein that a large amount is left behind making it hazy. Making wort above 5.2 or below the proteins are some what resistant to settling out during the boil. Making them more hazy. Some lactic acids and lactobacillus bacteria can create haziness as a by product.


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What islam says about love relationship
Islam - What is your opinion on a Muslim having a girlfriend/boyfriend? Showing 1-50 of 56
Amidst the Muslim Ban: A Love Story
What Does Islam Say About Relationships? What's Wrong With Having Boy/Girlfriends?
In the Quran , the marriage relationship is described as one with "tranquility," "love" and "mercy. This metaphor is used because garments offer protection, comfort, modesty, and warmth. Above all, the Quran describes that the best garment is the "garment of God-consciousness" Muslims view marriage as the foundation of society and family life. All Muslims are advised to marry, and the Prophet Muhammad once said that "marriage is half of faith.
Unfortunately we see this western influence spreading like an illness amongst the Muslim youth. As barriers of work and study have been relaxed by parents, as they would like to see their children prosper, it has brought its evils with it. All men and women have a responsibility under the Shariah that they do not attract the other sex for whom it is unlawful to do so. The measures taken are clear and that all men and women must wear clothing, which are modest and loose. It is as much haram for a man to wear tight clothing, which would expose the shape of his bodily contours, which are haram for him to show as it is for a woman. The hijab is the head covering and the reason why this is emphasised for a woman is because her hair and head are also recognised as Awrah parts which she must cover. As for the man the best way he can protect his modesty is to lower his gaze as well as cover his body which would cause a sexual attraction.
I wasn't married to the first girl who kissed me.
michael sullivan statistics 5th edition
Related Content
Muslim Couples Open Up About Their Marriages - Brides
Skip to content. An Iranian woman holds up her hand, painted with henna, under a religious sentence as she prepares for a wedding ceremony in the city of Qeshm on Qeshm Island in the Persian Gulf, November 1, The sentence reads, "In the name of Allah, the Beneficent and the Merciful. Shaikh's parents are Muslim and they lived in India at the time of their wedding back in the s. He was born there too, but when he was 3, they all moved to the US.
Nycole S. says:
We have been in this love relationship for one year. woman or for the woman to get in touch with the man, and say that he wants to marry her.
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The concept of true love in Islam
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What Does Islam Say About Relationships? What's Wrong With Having Boy/Girlfriends? | The Revival
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