hughes federal routing number

NIONCheck HUGHES FEDERAL CREDIT UNION routing numbers for bank transfers.322174944 is a routing number of HUGHES FEDERAL CREDIT UNION. Check detailed information about 322174944. This bank routing number is required for electronic funds transfer. Bank routing number of HUGHES FEDERAL CREDIT UNION is the first nine digits of the number along the bottom left section of your check. The routing number for checking, savings and money market accounts identifies the financial institution where the account was opened and is located.

322174944 routing number of HUGHES FEDERAL CREDIT UNION

Validate an International Bank Account Number structure and length, identify the bank owning this account, BIC code and address at IBAN checker . Detailed information for Routing Number 322174944Routing Number: 322174944Bank Name: HUGHES FEDERAL CREDIT UNIONBank Address: 971 W WETMORE RDState: AZZip Code: 85705-0000Bank Phone: (520) 794-8341Office Type: Main City: TUCSONService Number: 121000374Institution Code: 1Find other HUGHES FEDERAL CREDIT UNION routing numbers.


when is spring forward daylight savings?

Tick, tock. Daylight Saving Time begins at 2 a.m. on the second Sunday in March and ends on the first Sunday in November at 2 a.m. You know the drill: In the spring, turn clocks ahead one hour; in the fall, turn them back an hour. W hile you're at it, delight your friends with the following DST dossier.

It's not Daylight Savings Time. Get it right, people BY Joe Dziemianowicz NEW YORK DAILY NEWS Updated: Friday, March 9, 2018, 5:27 PMfacebook Tweet email

The name is a singular sensation It’s Saving, not Savings, time — and it’s designed to make better use of morning hours and shrink energy bills. But it also means that you can go for a run after work outdoors and it’s still sort of light out in warmer weather. Respect, people. Say it right. An American in Paris had the bright idea 233 years ago Spring ahead: Daylight Saving Time begins on March 12, 2017, at 2 a.m. (Mckyartstudio/Getty Images/i Stockphoto)Inventor and statesman Benjamin Franklin pitched the notion of waking up an hour earlier to save on candles as a delegate in France in 1784. He wrote about it in an essay — “An Economical Project for Diminishing the Cost of Light” — to the editor of The Journal of Paris. It was a long time before the idea was actually established. Port Arthur — now called Thunder Bay — in Ontario, Canada, became the first location to use DST in July 1908. Seasonal Affective Disorder: the daylight savings detriment America followed suit a decade later Benjamin Franklin came up with an early version of Daylight Saving Time in the late 18th century. (Stock Montage/Getty Images)DST was introduced in the U. S. in 1918 when President Woodrow Wilson signed the Standard Time Act into law. It’s been something of a bumpy ride since. DST was repealed a year later, but parts of the U. S. continued to observe it. Which meant headaches for transportation and broadcasting businesses. In 1966, Congress enacted the Uniform Time Act, which ensured that states observing DST began and ended the time adjustment on the same dates. Start and stop dates have changed over time. Since 2007, DST has been bookended by the second Sunday in March and the first Sunday in November. Ticker tock: DST is linked with cardiac events Cardiac events spike around Daylight Saving Time. (fstop123/Getty Images/i Stockphoto)Springing ahead on Sunday and losing an hour of sleep boosted the risk of having a heart attack on the following day by 25%, compared to other Mondays during the year. So said a 2014 study by the University of Colorado in Denver. Tread lightly. And go to bed a little earlier. NEWSFLASH: Herbal tea isn't actually tea There’s a connection between clocks and candy Trick or treating and Daylight Saving Time share history. (M_a_y_a/Getty Images/i Stockphoto)Through 2006, DST began the first Sunday in April and ended the last Sunday in October — a couple days before Halloween. Candy makers spent decades lobbying for DST to extend beyond Halloween. Why? Young trick-or-treaters going door-to-door collecting Kit Kats and such aren’t allowed out after dark. Fido, Fluff and even Elsie may be a little off when DST kicks in Daylight Saving Time can affect pets and livestock. (Fedev Photo/Getty Images/i Stockphoto)Some animals are so in sync with their owners' schedules that the one-hour spring forward can cause some confusion. No surprise that impacts cats and dogs — but farm animals aren’t immune. “Cows become accustomed to being milked at particular times of day,” a researcher told livescience.com. DST is seen as too much of a good thing in some U. S. states Arizona, Hawaii, and the territories of Puerto Rico, Virgin Islands, and American Samoa do not use DST. They get enough sunshine in these spots already, thanks. An added hour of light in the summertime isn’t seen as a plus. DST dilemmas go beyond grogginess and being late for brunch On Nov. 4, 2007, Laurie Cirioli of North Carolina gave birth to twins — Peter at 1:32 a.m. and, 34 minutes later, to Allison. So Peter’s the firstborn. Uh, no. Daylight Saving Time reverted to Standard Time at 2 a.m. Which means Allison was born at 1:06 a.m. So she’s the alpha kid. Grist for sibling rivalry? Dad Jason Cirioli said at the time: “We’ll let them work that out between themselves.” We checked in to see how things are going. “Our kids are third graders now. I don’t think they quite understand Daylight Saving Time,” Laurie, a preschool teacher told the Daily News. “They get along so well. I can’t imagine this ever being an issue.”Sign up for BREAKING NEWS Emailsprivacy policy Tags: featured lifestyle Send a Letter to the Editor Join the Conversation: facebook Tweet


gyne meaning

ή. Freebase (0.00 / 0 votes)Rate this definition: Gyne Gyne is the primary reproductive female caste of social insects. Gynes are those destined to become queens, whereas female workers are typically sterile and cannot become queens. A colony with multiple queens is said to be a polygyne form, whereas with only one is a monogyne form.

Definitions &Translations

"Wiktionary (0.00 / 0 votes)Rate this definition:gyne (Noun)The primary reproductive female caste of social insects (especially ants, wasps, and bees), those destined to become queens. Origin: Borrowed from γυν

The fire ant Solenopsis invicta is known to have colonies in both polygyne and monogyne forms. The small red ant, Leptothorax acervorum, has colonies that switch from monogyny to polygyny as a result of seasonal fluctuations. In species lacking morphological castes, the term ""gyne"" is usually reserved for those females whose entire life is spent as a reproductive or potential reproductive, as opposed to those who start life as a worker and subsequently attain reproductive status. In most species with annual colony cycles, only gynes can enter diapause and overwinter, while workers - both non-reproductive and reproductive - die off. In some groups, such as paper wasps, gynes will join with other gynes at the time of nest founding, and may be relegated to subordinate reproductive roles, so being a gyne does not guarantee that a female will become a queen. Numerology Chaldean Numerology The numerical value of gyne in Chaldean Numerology is: 5Pythagorean Numerology The numerical value of gyne in Pythagorean Numerology is: 6Images & Illustrations of gyne Translations for gyne From our Multilingual Translation Dictionarygyne Greekgyne Japanesegyne Urdugyne Chinese Get even more translations for gyne »Translation Find a translation for the gyne definition in other languages: Select another language: Discuss these gyne definitions with the community: Word of the Day Would you like us to send you a FREE new word definition delivered to your inbox daily? Please enter your email address: Subscribe Citation Use the citation below to add this definition to your bibliography: Style: MLA Chicago APA""gyne."" Definitions.net. STANDS4 LLC, 2018. Web. 30 Mar. 2018. < https://www.definitions.net/definition/gyne >. Are we missing a good definition for gyne? Don't keep it to yourself... Submit Definition "


what color represents selflessness

Blue is on the visual level a calm and peaceful color. We think of it in terms of water, sky and universe. For most of us, sky and water give us a sense of familiarity and consequently of security. For many, the universe represents a larger unity and religion. Therefore, this hue expresses security and spiritual devotion. It is the color that leads to introspection and to our very essence. It represents such ideals as selflessness, sympathy, kindness, compassion and dedication. Blue is assigned to the physical body and, on a larger scale, represents the material aspects of life including the planet earth.

"Color Symbolism - The Deeper Meaning of Blue By Doreen Richmond | Submitted On October 10, 20091 1

This hue is considered to be feminine because of its receptive qualities: similarly the earth is referred to as mother earth. The square form is considered to be symbolic for the earth. According to the painter, Kandinsky, blue is the color that corresponds to the square. Just as blue has many honorable characteristics, it also has its negative side. The dark blue of the universe can make some people feel helplessly lost and create sadness and melancholy. The ""blues"" music expresses very much these painful emotional experiences. Some experience dark blue as a cheerless and even distressing color. People who are blue dominated, who incorporate the high qualities symbolized by blue into their own values, can be very disturbed if reality does not match up with their high values: then they can have a tendency to daydream, avoid issues and try to escape reality. This can result in an overindulgence in alcohol, smoking and can eventually lead to depression. They have the blues. Since blue is the color that represents materialism and the physical body, people who are particularly rooted in this energy field, on the positive side, will be very practical and concrete. If they find themselves getting unbalanced and too introverted, they will need to connect to the red energy, action and willpower, and the yellow energy, extroversion and playfulness. People lacking structure and depth, who are continually in action, engaged in superficial pursuits and somewhat chaotic, could find balance by connecting to the positive qualities of blue. The symbolism of color is an excellent way of understanding yourself better. Emotions and colors are strongly connected. Being aware of how you experience a color, can help you clarify fuzzy feelings. Author: Doreen Richmond, http://www.colorcherish.com I am a color consultant for architecture and interior design. I love teaching people about the enriching qualities of color that are always at their disposal. If you would like to learn more about using colors in your living space, in the garden, in photography, color psychology or the psychological aspects of color in clothing, then visit my blog: http://www.colorcherish.com Article Source: http://Ezine Articles.com/expert/Doreen_Richmond/286108 "


which google home

Google Home, like Amazon Alexa, is a Wi-Fi connected smart home hub and digital assistant. Home is a small speaker tower that contains far-field microphones designed to pick up speech at a distance as well as touch controls, a microphone mute button, and lights that let you know when it's listening.

Google Home: A cheat sheet

"0Image: Google There's always a new tech product that leads to a battle between products. There has been PC vs. Mac, i Phone vs. Android, and now it's an all out battle for smart home hubs. Google has an uphill battle in its fight against Amazon's Alexa. More about Innovation Why Apple Health Records in i OS 11.3 could be a tipping point for EMRAmazon doubles-down on hybrid human/robot workforce in Illinois warehouse Smart office technology: What’s working, what’s failing, and what users want out of it Subscribe to Tech Republic's Next Big Thing newsletter Tech Republic's smart person's guide about Google Home is a quick introduction to this smart home hub, as well as a ""living"" guide that will be updated periodically as new hardware and software are released. SEE: Check out all of Tech Republic's smart person's guides. Executive summary What is Google Home? Google Home is Google's entry into the smart home hub field. It is a small speaker tower that is activated via voice commands, can search the web, and perform other functions added by third-party Actions. Why does Google Home matter? Google has been a proponent of AI and machine learning for a while. Google Home is the first part of what is likely to be the future of Google: On-demand access to personalized information. Who does Google Home affect? Google home affects anyone who wishes to invest in the growing smart home market, especially if they are already heavily invested in Google's ecosystem. When is Google Home happening? Google Home was announced in May 2016 and was available for purchase in November. It's now available online and in many electronics retail stores. How do I start using Google Home? You can purchase Google Home online or at major electronics retailers. Using one doesn't require a Google account, but having one is the only way to gain access to many of the features. What is Google Home?

There's only a single speaker in Google Home, as compared to the two in the Amazon Echo, which can have an effect on how well noises at both the high and low ends of the spectrum sound. Google Home isn't going to replace a high-end Bluetooth speaker, but it works fine for everything else. Google Home is a host for Assistant, Google's answer to Siri and Alexa. Unlike Siri, which is available on all currently supported i OS devices, Google Assistant is only available in Google Home, the Pixel phone, and inside the Google Allo app. Google Assistant is able to perform most of the same tasks as Siri and Alexa, like checking the weather, searching the internet, and playing music, and is expanded through third-party Actions (similar to Alexa Skills). Unlike Alexa Skills, which have to be manually added, Google Home Actions are all available right out of the box. There's nothing to install, and as long as you know the Action's key word you can use it right away. There is one catch, however—there aren't very many Actions available right now. So few, in fact, that the list of them in the Google Home app is just that: An A to Z list without categories or any way to search it. Google Home Actions are open to developers though, making it just a matter of time before the offerings expand. Additional resources Google Assistant: The smart person's guide (Tech Republic)Google Home review: A promising step toward the future (ZDNet)CES 2017: Cracking open Google Home live on the CNET stage (Tech Republic)Google Home has same core as Chromecast, says i Fixit teardown (ZDNet)Amid security concerns, Google's Allo virtual assistant is still worth a look (Tech Republic)Why does Google Home matter? Google unveiled its latest smartphone in October 2016, and at the event Google CEO Sundar Pichai said Google believes the tech world is shifting from a ""mobile-first to AI-first"" focus. That alone is enough to see why Google Home matters: It's the first step in Google's transition to life as an AI company. If Google is correct in its assessment that we're moving into an AI-driven world Google Home is the cornerstone of its future: A smart, easy-to-use, always available digital assistant that learns about us, helps us control our environment, and is always in our pockets. Google Home has a lot of catching up to do in the smart home hub race, however: Amazon Alexa had a year to make improvements before Google Home launched. Google's future AI efforts will be shaped by its success or failure with Home and Assistant. Both have only been available since the end of 2016, making it far too early to draw conclusions yet. Despite needing to play catch-up Google is pushing hard against Amazon in the smarthome game. Google I/O 2017 brought a number of announcements pertaining to Google Home and Google Assistant, the voice-powered AI Home runs on. Most importantly for developers and hardware makers is the new Google Assistant SDK, which will allow Io T device manufacturers to include Google Assistant in third-party products. It's entirely possible that this will cut into Amazon's Alexa dominance on third-party devices, provided Google can shove Amazon aside and find partners in major hardware manufacturers. Additional resources Google unveils AI-powered Pixel phone: 4 big takeaways (Tech Republic)Google is bringing AI to your Raspberry Pi (ZDNet)Samsung confirms Google's 'AI-first' vision by tapping former Siri founders (Tech Republic)Robots and AI: Should we treat them like pets, or people? (ZDNet)How Google's AI breakthroughs are putting us on a path to narrow AI (Tech Republic)Who does Google Home affect? Google Home affects anyone wishing to explore the growing smart home market. Home is designed as a hub for Io T and media devices, giving Google a lot of leverage since it can choose who it partners with. Third-party Actions are a democratizing way to ensure every product can work with Google Home, but Google still reserves approval rights over each one. From the user side of things Google Home affects anyone who uses Google's various apps and platforms. Home can read off your calendar, play music from Google Play, and do other things tied to an associated Google account. If you're heavily invested in Google's ecosystem Home is the ideal choice for a smart home hub. Additional resources Why AI and machine learning are so hard, Facebook and Google weigh in (Tech Republic)Google lets developers build 'Conversation Actions' for Google Home (ZDNet)Security researchers' smart home findings may keep you up at night (Tech Republic)Google Home now controls Belkin's We Mo and Honeywell devices (ZDNet)Are consumers ready for homes that listen to them? (CBS News)When is Google Home happening? Google announced Home at Google I/O in May 2016 and it went on sale in the US in November. It's still in its first iteration and there's no news about upcoming hardware changes to Google Home in the near future. Several new Google Home features were announced at I/O 2017 that promise to make it even more useable as a smarthome hub. Google Home can be used to make hands-free calls to any US or Canadian phone number. One of the best features? It's totally free. Proactive notifications provide time-sensitive information without you needing to prompt your Home unit. When a calendar event is coming up you'll just be told. Home will also integrate more closely with other Google devices in order to provide a continuous series of notifications on multiple devices. You can now call up your calendar on a Chromecast-enabled TV, get directions you asked about sent to your phone, or as what's hot on You Tube and watch it pop up on the nearest screen. Google home is available in the US and UK, with plans to release it in Canada, Australia, France, Germany, and Japan this summer. Additional resources AI, VR, messaging, and wearables: Everything you need to know from Google I/O 2016 (Tech Republic)Google I/O: Google unveils Google Home, takes aim at Amazon Echo (ZDNet)Video: Google Assistant ... in less than two minutes (Tech Republic)Google piles the pressure on Apple (ZDNet)Google I/O: Smart-home speaker, VR system, and chat service debut (CBS News)How do I start using Google Home? Anyone interested in Google Home can pick one up online from the Google Store or can find them at many popular electronics retailers. Setting up a Google Home is simple: You just need a home Wi-Fi network and a smartphone. You don't have to have a Google account to use Home, but without one many of its more useful features will be unavailable. Additional resources Gallery: Amazon Alexa dominates CES 2017 with dozens of third-party integrations (Tech Republic)Which smart speaker should you buy? Amazon Echo or Google Home? (ZDNet)Is Google's Pixel phone a bigger threat to Samsung than exploding batteries? (Tech Republic)Google Home will sell for $129, launch partners include Nest, IFTTT (ZDNet)Does your home really need ""smart speakers""? (CBS News)If AI is really the new focus in tech, things are going to change in a big way. Stay up to date with all the latest developments by subscribing to our Next Big Thing newsletter. Subscribe Related Topics: Google Big Data Analytics Mobility Smart Cities Cloud Security0About Brandon Vigliarolo Brandon writes about apps and software for Tech Republic. He's an award-winning feature writer who previously worked as an IT professional and served as an MP in the US Army. Full Bio Contact Disclosure See all of Brandon's content bviglia "


how much should a sow eat pounds per day

le:- Feed at least 3 pound the day of farrowing- Increase at the rate of 2 to 3 pound per day- Day 4 to 5 following birth, sows given full feed- Full feed: As much as they can eat· Drinkers: Limited water limits feed intake· Outside temperatures: Sows do not eat well in summer heat

Important Issues in our Farrowing Department Representing: TDM Farms Presenting: Erick Soza Supporting: Steve Smith, Dr. Carolina Sernia Introduction· The main function of the farrowing department is to meet weekly weaning targets.· Saving as many pigs as possible and supporting their growth is a primary function.· Proper care of sows immediately contributes to saving and growing good pigs.· However, proper sow care also insures that the sow will be there to do well on subsequent farrowings. Sow Acclimation· Move sow on Day 110 of gestation to the farrowing house· Start feeding 4 to 4 ½ pounds of lactation diet per day Piglets Processing· The faster processing is done, the less the amount of stress is experienced by pigs· Delay castration to 5 to10 days of age- Detection of scrotal hernias is much better- Less depression of piglets growth and improved weaning weight (Kielly, 1997)Sow Management· Record the total daily feed intake for each lactating sow- Use to determine the amount of later feedings- Use to find off-feed ill sows· Sow feeding schedu

Question 1: What is the normal body temperature of a sow?· A normal sow’s body temperature during lactation may range from 101.5º F to 104º F· The expected high of normal body temperature varies with the stage of lactation Stage of lactation Expected High-Normal of Body Temperature, Degrees F. Birth of first piglet102.912 hours post-farrowing103.524 hours post-farrowing104.0Day 7 pos-farrowing102.7Day 1 post- weaning101.5Question 2: What do you do if a sow becomes constipated?· If a sow is affected by constipation, let her walk around the farrowing room for 10 to 15 minutes a day.· If not corrected with exercise, top dress her feed with chemical laxatives- Epsom’s Salts (Magnesium sulfate)- Dynamate TM (Potassium chloride)- Top dress 1 to 2 tablespoons per day- Off-feed sows are constipated and will not consume top-dressed laxative Question 3: Should pigs be fed creep feed before weaning?· Creep feeding: Giving piglets access to dry feed before weaning· Creep feeding is beneficial to piglets as:- It helps pigs adjust more quickly to dry nursery feed after weaning- It builds a pig’s immune system· Guideline for creep feeding baby pigs:- Start at 4 days of age by placing creep feed in their feeders- Begin feeding ¼ cup once a day to each litter- Increase to ½ cup, as pigs “clean up” the feed- Do not fill the feeder full to prevent playing in the feed or pushing feed out- The last week pigs are in the farrowing house, increase feeding by offering feed 2 to 3 time each day Question 4: What temperature is appropriate for the mat under the heat lampduring and after farrowing?· Adjust the height of the heat lamp to provide temperature of 92 0F. on the mat under the lamps· Mats provide newborn pigs a warm and dry place of comfort Question 5: How do you induce farrowing using prostaglandins (Lutalyse TMor Prostamate TM)?· 80 to 100 percent of sows will farrow within 36 to 48 hours (1 ½ to 2 days) after being injected with prostaglandin· Knowing the breeding date and the average gestation length in the sow herd is critical to using the product with a loss of piglets· Do not induce sows that are more than 2 or 3 days from the average length of gestation in that herd· Inducing too early results in:- Immature weak piglets at birth- Increased piglet mortality (higher preweaning mortality)· Workers should wear gloves when handling prostaglandin Question 6: How long should you wait after a sow starts to farrow before you manually examine her or pull her pigs?· Signs that indicate a sow is preparing to farrow. Watch for these signs:- Reduced feed intake- Refusal to get up- Increased respiration rate (breathing) and nervousness- Swollen vulva- Milk production (12-24 hours before farrowing)- Sow makes “mothering” noises· Pull pigs when you see one pig dry, no contractions, and no new pig within 30 minutes of her last check Question 7: How do you use oxytocin to aid a sow during a difficult farrowing?· More muscle power in labor contractions with oxytocin injection· Assure the sow has delivered at least one pig before administering oxytocin· Manually check the sow to be sure she is completely dilated and nothing is blocking the birth canal· Use ½ cc of oxytocin per injection and wait 20 minutes before giving a second dose· Should not need more than 2 doses during a farrowing Question 8: How much water does a sow need to drink when nursing pigs that are 18-20 day old? Stage Volume per day Gestation sow3 – 4 Gallons Lactation sow5 - 7 ½ Gallons Suckling piglet7 – 11 Ounces Nursery pig¼ - 1 ½Gallons Finishing pig1 – 3 Gallons Question 9: How do you choose a propective “nurse sow?”· Nurse Sow: A sow with older pigs that is weaned and given a crate in a room with younger pigs. Small pigs from the room are then cross-fostered onto her as a new litter.· Must consider the following when choosing a “nurse sow:”- Parity of the sow- Body condition- Health- Ability to milk Question 10: Is cross-fostering beneficial?· According to genetic suppliers, cross fostering is beneficial, especially for pigs born into gilt litters· Purpose of the cross fostering:- Reduce weaning weight variation- Match the number of pigs in a sow’s litter to her ability to feed themØ 8 pigs onto gilts (parity 0)Ø 9 pigs onto parity 1Ø 10 pigs onto older parities- Protocol will often require nurse sows or a “litter nursery” on the sow farm. Question 11: What is the difference between procaine penicillin G (Pen G TM) and long-acting penicillin (Duo Pen TM or BP48 TM )? What are their withdrawal times? Procaine Penicillin Long-Acting Penicillin300,000 units Procaine Penicillin G per cc150,000 units Procaine Penicillin G and 150,000 units Benzathine Penicillin per cc Administered in the muscle Labeled for use under the skin. Prescription required for use in the muscle. Prescription required for dosages exceeding 1 cc/100 lbs. Prescriptions often recommends 1 cc/ 20 lbs. or 1 cc/15 lbs. Prescription required if not labeled for swine. Prescriptions often recommends1 cc/ 20 lbs. or 1 cc/15 lbs. Slaughter Withdrawal Time: Label - 7 days when 1 cc/100 lbs. Script - Often 14 days or longer when given at the rate of 1 cc per15 to 20 lbs. Slaughter Withdrawal Time: Label - 30 days when 1 cc/100 lbs. Script - Often 60 days or longer when given at the rate of 1 cc per15 to 20 lbs. Question 12: How do you medicate a sow that has a fever?· Use an antibiotic to impede bacterial infections that are associated with an infection.· Dexamethasone can increase appetite and cause the sow to “feel better.”· Must determine if the sow is pregnant before treating her with dexamethasone- Give Dexamethasone when a sow is not pregnant- Dexamethasone aborts pregnant sows Question 13: How do you treat off-feed sows?· When we have several sow off feed, we check the in-door temperature, the out-door temperature, and the temperature of off-feed sows in the room- Average normal body temperature about 101.5º F.- It is known that every one-degree rise in temperature will cause a sow to eat 0.2 pound less of feed per day- Maximum sow feed intake occurs when sows are housed at 60º to 65º F.- We slight the sows to give warmer room temperatures in an effort to benefit the piglets that want to be 92º F. Question 14: How can you prevent sows from discharging after farrowing?· Check the procedures you use when examining sows and pulling pigs- Clean sow’s vulva- Your arm and hand must be clean- Use a large volume of Vaseline or OB Lube- Enter the sow slowly- Stop and back-up if the uterine wall seems to bunch around your arm- Never push against the sow while she is pushing- Pull the pigs slowly.· If you see signs of discharges after the last pig is pulled, initiate one of the following treatments:- Penicillin G procaine, BP 48, or Gallimycin 200 for three consecutive days- If the discharge is severe, you can use ¼ to ½ cc oxytocin each day. Question 15: Why is it necessary to give iron at birth?· Pigs are born with a limited store of iron (approximately 50 mg)· Piglets use about 7-11 mg/day of iron· Sow milk does not contain adequate iron.· Piglets get about 1 mg per day from sow milk· Piglets can easily run out of iron in a week to 10 days Question 16: What causes the joint of piglets to become infected and how are they best treated?· Swollen joints are usually an infection that is causing arthritis- Some bacteria, like Strep suis, colonize the piglet’s body during birth- These piglets carry the bacteria in their tonsils and mouth- Open navels, cut tail stumps, castration wounds, injured gums from needle teeth trimming, and other skin lesion provide entry sites for bacteria- Septicemia (bacteria traveling in the blood) occurs quickly after bacterial entry- The blood carries bacteria to the joints where they locate and infect- Multiple joint infections occur when pigs have bacteria in their blood stream- Pigs with swollen joints have retarded growth and are often culled in the nursery or finisher· Common bacteria: Step suis, Other Strep, Hemophilus parasuis, Some Staph, and a type of Mycoplasma, and occasionally erysipelas· The best medications are the antibiotic shown by testing to be effective against the particular infection found in the pigs. Question 17: What can be done to increase the birth weight of piglets?· Parity distribution of the sow farm: A relationship exists between number of parities the sows have delivered and the quantity of small piglets born· Nutrition: The last term (4 weeks) of gestation Question 18: What can be done when the number “born alive” is low?· Sow condition at weaning- Challenge feed sows during lactation- Sows weaned in good condition settle with more pigs· Gilt size at breeding: Small gilts bred before 30 weeks of age have small litters in their first farrowing, small litters in later farrowings, and reduced longevity in the herd· Parity distribution of the sow farm: A relationship exists between number of parities the sows have delivered and the quantity of piglets born· Adequate performance in breeding: Semen quality, good matings, good heat detection Conclusion· Summary Take Home Message- Although the farrowing department must meet weekly targets for number weaned, proper sow care assures sow productivity and the capability of achieving future weanings with adequate pig numbers. Reference Kielly J, Dewey CE, Cochran M. 1997. Castration at 3 day of age temporarily slows the growth of piglets. Journal of Swine Health Production. 7 (4):151-153.


how many square kilometers is scotland's

ue. The last countings tell there are about 5.2 million inhabitants at this moment, an average population density of 66 people per square kilometer (the average in the whole UK is 381 p. sq. km.). But the number of people is declining and the expectation is there will be no more than 5 million people in 2026. Scotland makes up for almost 35% of the surface of the UK (78.722 sq. km. ), but only 9.5% of the population lives there. Scotland and it's offshore islands are the northern part of the British island. On the west and north coast the Atlantic forms the border and in the east coast the Northsea.

Information about Scotland

Information about Scotland• Facts• Geographic data• Population• Languages• History (separate page)• Climate• Flora and fauna• Economy• Tourism• The Scottish-English conflict• The actual weather Facts about Scotland The (national) flag Official name Gaelic: Alba Officially Scotland is a souvereign part of the United Kingdom, but we it as a country on its own (we are a bit in favour of its independancy). Surface 78.772 km&pos2; (almost 2x as big as the Netherlands)Inhabitants 5.4 million (2016)Population density 67 inhabitants per km&pos2;Capital Edinburgh Currency The Scottish or British pound (GBP); 1 pound was about € 1,50 in April 2003 but in 2017 € 1,18; 1 € = about £ 0,92. Just like Ireland, Scotland has its own state bank en its own en ook eigen banknotes that are sometimes refused in other parts of the United Kingdom. Road network Most roads are good, but there are a lot of single track roads in the Highlands, very narrow roads. Fuel prices For actual fuel prices in all European countries see Autotraveler.ru. Code licence plate UKTelephone countrycode 44Internet countrycode .uk Time difference GMT; 1 hour earlier than in the Netherlands Geographic data Scotland is part of the United Kingdom (officially: United Kingdom of Great Britain and Northern Ireland), but most people call it just England which is not really tr

In the south the border with England goes over the Cheviott Hills, for 90 kilometers. The biggest distance from north to south on the Scottish mainland (Cape Wrath - Mull of Kintyre) is 441 km. and from east to west (Applecross-Peterhead) 248 km. The west coast is, in a straight line, 416 km. long, but in reality (because of the many bays) 3200 km. Scotland counts 790 islands, of which 130 are inhabited. Geografically Scotland consists of 2 parts: the mainland and the islands. On the mainland, one can discern 3 clear landmasses: the northen Highlands, the central Highlands and the Lowlands. The Highlands are divded by the Great Glen, a narrow gap in the mountain landscape. For a matter of fact, the glens are very characteristic to the whole country. They are valleys, made by glaciers with steep walls and often with elongated lakes (lochs). The highest top in this area (and of the whole of the UK) is Ben Nevis (1344 meters), near Fort William. Population The population distinguishes itself from the English through it's own language and literature, jurisdiction, education and organisation of the church. The Scots have a strong historical consciousness. The greater part of the population springs from the original Scottish population, which in fact is a jumble of Picts, Celts and Normans. Contrary to the rest of the UK, less people live in the cities and more in the countryside. With a population density of 66 people per square kilometer it is fairly quiet. Yet the distribution is very uneven: more than 1.5 of the 5 million inhabitants lives in one of the 4 big cities: Edinburgh, Glasgow, Aberdeen and Dundee. Our experiences have shown us that the people are very friendly and helpful, but they seem to have an inferiority complex in relation to the English; they still feel being dominated by them. It is almost, after centuries of British rule, as if it is genetically determined. Languages English is the official language of Scotland, but one can clearly discern a Scottish kind of english, a dialect. In the Highlands there are still people who speak Gaelic. Gaelic springs from the various (6) Celtic languages of the past and nowadays 3 forms have survived: Irish Gaelic (Gaeilge), Manx Gaelic (Gailck) and Scottish Gaelic (Gàidhlig). These 3 languages are being spoken in Ireland, on the island Man and in Scotland. The speakers of these languages are called Gaels (formerly Celts). About 60.000 people in Scotland still speak it, so not more than 1% of the total population! A few centuries ago there were 3 more languages besides English: Pictic, Gaelic and Norwegian. In the present Scottish language many words pop up from these 3 languages. Climate Scotland lies on the edge of the European continent and is surrounded by water on 3 sides. It has a moderate seaclimate with soft winters and cool summers. A belt of westward winds continuously sends a dense layer of clouds over the land. The west coast is generally wetter than the east but less windy. On the east coast the rainfall averages 650mm and on the west coast it averages 1500mm. Average summer highs are about 19 degrees and winter temperatures rarely drop below 0 degrees. Generally, there is snow in the higher areas from December until March. For the most sunshine and a minimum of rain, one has to go there in May or June. July and August are hotter, but also more wet and there are countless midgets. The autumn really can be called unstable: sometimes beuatiful and dry, sometimes wet, but quiet, sometimes very stormy. From experience we know that for the last few years the weather is very unpredictable and different than it used to be: too much rain and low temperatures. We never went for the weather, but seem to have been quite lucky: most days were dry and on almost every day we saw at least a bit of sunshine. In Scotland, the weather can show every season in a single day! Even on the sunniest of days care needs to be taken on the hills and mountains. On a mountain, within only 5 minutes, a mist can envelope a walker and make navigation difficult. On the other hand, brooding clouds can ease to spectacular shafts of bright sunlight. Flora and fauna The Highlands are barren and unhospitable. The landscape consists of infertile plains without trees. The vegetation includes heather, fern, a variety of grasses, Juneper berry and similar small bushes. Some 4.000 years ago, there were mainly pine trees (Scots pine), but deforestation, intensive grazing by sheep and changes in climate, have replaced the once extensive woods with a thick layer of peat. Reforesting has begun, but the new woods are quite one-sided and monotonous. There is a great variety of birds, near the coast more than in the inetrior. On the islands and on the steep cliffs of the mainland, many seabirds nest, like ospreys, auks, terns and gannets. In the mountain areas there are golden eagles and ravens, on the moors snow hen and pheasants and owls and sangbirds in the woods. The largest mammal on land is the deer, which causes a lot of damage to new plantations and nests of rare birds. Big mammals, like the wolf, beaver, beer and elk are extinct already in the 18th century. The sheep, the Scottish Highlanders, and also the Shetland pony's, which all walk about freely, are half wild. Economy For centuries, the economical development of Scotland lagged behind that of England, it's location being one reason. This results in emigration from many people from this area to make money somewhere else. Edinburgh is the financial center of the country. There, also the Bank of Scotland is established (where they make their own Scottish bank notes). Tourism still is important to the economy of the country, although, for various reasons, it is less than it used to be. Almost 80% of the Scottish soil is used for agricultural purposes. In the South and Middle Scotland there are vast farming areas, where cattle breeding is the main activity. Nevertheless, The mouth and foot disease disaster in 2001 hurt Scotland, economically, more in tourism than in the agrarian sector. The fishing industry is important along all of the coast (haddock, codfish, herring, crustaceans). The breeding of salmon also appears. Most important places with a fishing industry are: Aberdeen, Peterhead, Fraserburgh, Kinlochbervie, Lerwick and Ullapool. Among the minerals, which Scotland possesses, are coal (in Lothian, Fife and Ayr) and iron ore (in het south west, Strathclyde). But, like in other parts of the UK, mining industry is declining. The mining of oil and gas from the Northsea is also of importance to Scotland's economy. True Scottish export articles are whisky (mostly to the United States), woolen fabrics (tweed) and foods. Most important buyers are England and the countries of the Commonwealth. Scotland has a good road and railway network. There are four international airports: Edinburgh, Glasgow, Aberdeen and Prestwick, and several smaller airports, used for local traffic. Tourism Tourism is very important to the economy of Scotland, but it has suffered a lot from cattle ailments the last few years, like the foot and mouth disease and the mad cow disease. And after the attacks on September 11th 2001, the American tourists stayed away. This, of course, applies for the whole of Europe and the British government has taken all sorts of measures to increase the numbers of tourists again, but as yet Scottish tourism is doing badly. But we couldn't find accurate data on this. The Scottish-English conflict The Scots are very proud of their country, nationalistic even; this is proven by their history and we noticed it ourselves also. Since 1999, July the first, Scotland has its own Parliament in Edinburgh, after 292 years. It has very limited powers and responsibilities, with major policy (taxation, economy, transport, defence, foreign policy, broadcasting) still decided by Westminster - but it is a Parliament nonetheless. There are 129 members of Scottish Parliament who can decide on other matters, under the direction of the first minister. Many Scots still feel the dependancy to the UK (and England) is too great and think they are being put at a disadvantage compared to the other parts of the kingdom. There have been studies about the division of financial support, which proved that Scotland got it's share and maybe even more. The majority of the people want self-government to a larger extent, but are not striving for total independance. Yet there are political movements whose aims are self-rule and independance. The Scottisch National Party is a party which claims to look after the interests of the Scottish people. The party was founded in 1934, when circumstances of life were miserable for the workers and Scotland was neglected by the UK. A website from the movement Siol nan Gaidheal about the independance of Scotland can be found here. The actual weather Weather Edinburgh6°4°Wednesday 7° 5°Thursday 7° 5°Friday 7° 5°tameteo.nl +info Weather Inverness12°2°Tuesday 8° 2°Wednesday 14° 4°Thursday 12° 4°tameteo.nl +info Weather Orkney Islands7°4°Wednesday 7° 5°Thursday 7° 5°Friday 7° 6°tameteo.nl +info


what is the range of the summer tanager

id. According to the National Audubon Society, the normal wintering range of the summer tanager is central Mexico to Bolivia and Brazil. In summer, it mainly breeds in northern Mexico, and the southern and eastern U. S. Adult male summer tanagers are brilliant red, while females and immature males are bright yellow-green.

Wayward summer tanager makes first appearance on record in Vancouver Larry Pynn More from Larry Pynn Published on: December 11, 2017 | Last Updated: March 19, 2018 5:08 PM PDTDec. 11, 2017 - A rare visit from a summer tanager, a species recorded only six times ever in BC and never before in Metro Vancouver, is causing a flutter among birders. Photo credit: John Gordon/http://www.johngordonphotography.com/ [PNG Merlin Archive] JOHN GORDON / PNGShare Adjust Comment Print A wayward summer tanager is being observed for the first time in Metro Vancouver — and is attracting a throng of birders from around the region. This particular summer tanager is an immature male and should be wintering in much warmer climes to the south, but it showed up Saturday morning in Wendy Kahle’s backyard is southwest Vancouver. The colourful bird has only been recorded six times in B. C. and never before in Metro Vancouver, according to the B. C. Rare Bird Alert website.“I put some peanuts out as I do every day,” Kahle said. “I glanced out and noticed it was very different from all the other birds I usually see.”She took a photo and posted it on a birding Facebook page, where it was quickly identified and posted on the rare bird website. Within a couple of hours birders were showing up to view the bird on her property, but from the perspective of the Arbutus Greenway or Avery Avenue, near Southwest Marine Drive.“I told my neighbours not to be alarmed about people with big zoom lenses. They’re not peeping Toms.”The bird is still there, as of Monday morning, gobbling up blanched unsalted peanuts and foraging on its own, but is uninterested in suet or oranges, Kahle sa

For instructions and map on how to see the bird, visit: http://bcbirdalert.blogspot.ca/. The late Stuart Mc Lean of CBC radio’s Vinyl Cafe did a Dave and Morley episode based on a rare visit from a summer tanager. Listen to The Bird at https://beta.prx.org/stories/33450?play=true.lpynn @ postmedia.com Barred owl now recovering after being rescued in downtown Vancouver Stephen Quinn to replace Rick Cluff as CBC radio host


what is a macchiato coffee drink

1. Latte, in Italian, means milk while Macchiato means marked or spotted. 2. Latte is basically coffee and milk, Macchiato is coffee with milk but the milk is added as a visible mark. 3. Latte, essentially refers to the ingredient of the drink while macchiato refers to the appearance of the drink.

Difference Between Latte and Macchiato

"Difference Between Latte and Macchiato• Categorized under Food | Difference Between Latte and Macchiato Latte vs Macchiato How did coffee become so confusing? With all the French and Italian words associated with coffee, the average person is often dumbfounded and sometimes, will not know what to order. This article will tackle two of the most common terms associated with coffee the “latte” and the “macchiato”. The word “latte” is Italian for milk and naturally, in Italy, caffelatte is used to describe coffee mixed with milk. In other countries nowadays, particularly English-speaking ones, use the term latte to indicate a certain kind of coffee. In Italy, ordering latte will make the server give you a cup of milk and no coffee included obviously. Today, Latte or Caffe Latte is an ever-present part in coffee menus all over the world. It should be noted that the latte version of coffee many uses in different parts of the world is an American version. In essence, latte which is derived from the Italian, caffelatte Ã± the type of drink is just a simple cup of coffee with milk. The ones that you order in restaurants and cafes nowadays are made in a specific procedure as pioneered by the Americans. The reputed to be the Ã¬American latteÃ® inventor is Lino Meiorin. Being the first Italian trained barista in the bay area in California, he made truly Italian cappuccinos which were found by the local market as being too strong. So Meiorin made adjustments making a cappuccino with larger portions of milk to lessen its strength. He called the drink Ã¬caffe latteÃ®; knowing that he only added more latte (milk) on the drink. The customers seemed to like it and soon it picked up and spread all across the state. Macchiato is also an Italian word meaning, Ã¬markedÃ® or Ã¬spottedÃ®. Caffe Macchiato therefore, literally means Ã¬marked coffeeÃ®. Originally, this came to happen because people ordering espressos want some milk on it. Serving waiters find it difficult to determine which is which since coffee, with or without small amounts of milk, looks just the same. The espresso with milk is then marked (macchiato) for easier recognition. Americans had another way of reinventing this variant. Macchiato, as an American invention, is typically added with foam, which in turn, confused a lot of people that the meaning of macchiato is Ã®foamÃ® and foam is the actual marking agent in caffe macchiato. In truth, the original marker is simply steamed milk, nothing else. The caffe macchiato has evolved with the help of business marketing along with other factors. Later latte and macchiato are both foamed which has become more confusing for many. A true Italian latte is never foamed but outside Italy, both will be basically added with foam. The main distinction between the two would be the manner of preparing them. Latte and MacchiatoÂ as a drink, in essence — are just the same. They are originally espressos with milk in it. The difference however, is that macchiato was done to recognize the coffee with milk easily. Actually, caffe macchiato is considered as a caffe latte by virtue of its ingredient. Ordering a latte or macchiato nowadays will have a difference in the order of its preparation. The ingredients are however, the same. Lattes are prepared in this order: the espresso goes in first (on top of flavor syrup if requested), then steamed milk is poured on top. Sometimes stirred then added by an optional foam on top. Macchiatos, on the other hand: the steamed milk is poured in first (also on top of flavor syrup if requested) and then espresso next. Also with an optional foam on top. Often macchiatos are not stirred. Summary:

4. The Ã¬newÃ® latte is served with milk on top of the espresso while the Ã¬newÃ® macchiato is served with the espresso on top of milk. Search Difference Between.net : Custom Search Help us improve. Rate this post! ( 14 votes, average: 3.79 out of 5)Email This Post : If you like this article or our site. Please spread the word. Share it with your friends/family. Differences Between Cappuccino and Latte Difference Between Latte and Coffee Difference Between Cappuccino and Latte Difference Between Espresso and Cappuccino Difference Between Latte and Mocha Difference Between Espresso and Latte Difference Between Mocha and Coffee Cite Ian. ""Difference Between Latte and Macchiato."" Difference Between.net. December 11, 2009 < http://www.differencebetween.net/object/comparisons-of-food-items/difference-between-latte-and-macchiato/ >. "

am. Latte Macchiato Latte Macchiato is a lot like a caffe latte, since it is made from a lot of hot milk at the bottom and a small amount of espresso added on top. This coffee drink is very popular in Germany where it is the coffee of choice in most coffee shops.

"Know the difference between caffe latte, cappuccino, latte macchiato etcby michael · 13. August 2013Today there are no limits as to how you differentiate your coffee and make it unique. Just like in the fantastic world of cocktails the number of coffee varieties has risen exponentially the last couple of decades. A possible reason for this could very well be the global market of today, which helps create a demand for these amazing goods. In this article I will introduce some of the most common types of coffee drinks, along with their characteristics and recipes for making them. The list is not even close to being complete &em; and given enough time (and space) it could probably go on forever &em; but these coffee drinks are some of the most popular types in most of Europe and the Americas. And I sincerely hope that when you have finished reading this article, that you will be better equipped to know the difference between them. Plain filter coffee The ordinary cup of plain, black filter coffee has all but died out in most coffee shops. Most places today you will need to ask for a caffe americano, simply because filter coffee is not on the menu. A Caffe Americano is 1/3 espresso and 2/3 hot water. Characteristics Black, as we all know it. Espresso Espresso dates back to Italy in the early 1900’s. It is usually served in a small cup (not unlike a shot). At its most simple, espresso is “just” concentrated coffee and is slightly stronger in taste and aroma, compared to filter coff

ee. To avoid the bitterness in the coffee, some people sweeten their espresso with raw cane sugar or refined sugar, but most of the times espresso is used as an ingredient in other coffee varieties &em; like in the coffee drinks mentioned below ( caffe latte, latte macchiato and cappuccino.

Link: Make your own (awesome!) espresso Characteristics: Black, thick in its consistency and served in a small cup, usually with a top of brown/reddish crema (foam)You can read much more about espresso on Wikipedia. How to make the perfect espresso How Stuff Works - The Perfect Espresso Your browser does not currently recognize any of the video formats available. Click here to visit our frequently asked questions about HTML5 video.0:00 / 2:50How to make the perfect espresso »Caffe Latte Caffe Latte, or just “Latte” as most of us prefer to call it, also originates from Italy or quite literally translates to “coffee with milk” (technically it translates to “coffee milk” but who’s counting). A Caffe Latte kan be made just as fast as an Americano since it’s made from 1/3 espresso, approx. 2/3 hot milk and top it of with a layer of foamed milk. Caffe Latte is steadily growing more and more popular in most of the world, and you can find it in almost any coffee shop, no matter where you are. Prices vary a lot around the globe and a study from 2010 showed that Copenhagen in Denmark has the most expensive caffe lattes in the world, beating other expensive cities like New York, Paris and London. I have not been able to find an updated study that is more recent, only one from Wall Street Journal that looks at Star Bucks’ prices specifically, where Oslo in Norway runs of with the first prize for the world’s most expensive caffe latte. However there are no Starbucks in Copenhagen so it can’t really be used as a eligible source. Link: Make your own caffe latte Characteristics Creme coloured, foamed milk with a thickness the size of a fingers width and often with artwork created in the fo

The mix of ingredients in this drink makes it ideal for serving up in a tall glass, with the ingredients layered beautifully. The layering can be a bit tricky at first but if you pour with ease it’s perfectly possible. Latte Macchiato translates into something like “milk with marks” and depending on where in the world you order it, the milk/coffee ratio differs, some baristas literally just add a couple of coffee marks on the hot milk while other make it more like a caffe latte with extra milk. Link: Make your own latte macchiato Characteristics Light coloured, coffee in the bottom and a couple of coffee marks/spots at the top. Ideal for people who doesn’t like coffee but love the coziness that comes with the caffe latte. Cappuccino The Cappuccino was very popular a decade ago, and also originates from Italy (there’s a pattern here, eh?). It is made from 1/3 espresso, 1/3 hot milk and 1/3 foamed milk. Many coffee shops also serve cappuccinos with a drizzle of chocolate or cocoa powder on the top, which some like and some don’t – feel free to find your own favourite. If you like to experiment with your servings, the thick layer of foam on a cappuccino is the perfect canvas for making beautiful coffee art, using syrups, sauces, powders, nuts and whatever comes to mind – only your own imagination sets the limits. Characteristics Creme coloured with a thick layer of foam, usually served in a large cup. Served with chocolate/cocoa powder on top or some artistic motif.5 great reads on making great coffee If you want to learn more on how to make the kind of coffee, your guests will talk about long after the’ve visited you, here are 5 great books on coffee. They include background information, history, tips and recipes, and are both fun and full of interesting knowledge. The World Atlas of Coffee: From beans to brewing – coffees explored, explained and enjoyed The Blue Bottle Craft of Coffee: Growing, Roasting, and Drinking, with Recipes The Curious Barista’s Guide to Coffee Espresso Extraction: Measurement and Mastery The Complete Idiot’s Guide to Starting And Running A Coffeebar (Idiot’s Guides)Enjoy them with a good cup of coffee!Also, if you found this article useful, kindly rate it and share it with friends Del dette: Like this: Loading... Related Alcohol density chart - the most comprehensive list available8. May 2013In ""Tips & Tricks""Flawless: The World's most expensive Drink12. December 2007In ""Luxury""Mojito - Recipe27. February 2013In ""Recipes""Share "


what is scotland famous for

Famous Scottish Castles Scotland's association with the castle dates back hundreds of years, with the first structures being built around the 11th century. With around 2000 castles constructed over 900 years, the range of styles and features offered by Scotland's castles is unsurpassed.

Famous Scottish Castles

Many have survived as part of the country's rich heritage and are now open to the public, attracting thousands of visitors each year fascinated by the extensive, and often bloodthirsty, histories offered by these amazing buildings. If you're looking to visit the most famous castles in Scotland, this list will take you round many of the country's most well-known and impressive examples. Alternatively take a look at: Wedding castles in Scotland Scottish castle hotels Edinburgh Castle Edinburgh Castle is no doubt one of the most well-known structures in Scotland, dominating the skyline of Edinburgh atop volcanic Castle Rock. A royal castle has existed on the site since the rein of David I in the 12th century, and over the centuries Edinburgh Castle has come to be one of the most important fortresses in Scotland. It has been involved in many historical conflicts, from the Wars of Scottish Independence in the 14th century to the Jacobite Rising of 1745. Despite its location, it has been besieged successfully. Edinburgh Castle © Stuart Caie Stirling Castle Strategically, Stirling Castle is one of the most important fortresses in Scotland. Its long and bloody history dates back hundreds of years, with the castle playing a prominent part in the conflict between England and Scotland in the 13th and 14th centuries. Stirling Castle's most famous battle is undoubtedly the Battle of Bannockburn, on June 24th 1314. Mary Queen of Scots was crowned in Stirling Castle in 1543, whilst her son – James VI – was christened nearby in a parish church. Stirling Castle © Finlay Balmoral Castle Balmoral Castle is a stunning property built around 1854 for Queen Victoria and Prince Albert. Although it is relatively modern, it is strongly identified with traditional Scottish structures. Today the castle stands as a private home of the Royal family who visit it each autumn for around two months, as well as less formal visits throughout the year. The fine gardens and woods of the estate are visited by thousands of people each year. Balmoral Castle © Stuart Yeates Eilean Donan Castle Eilean Donan Castle is one of the most photographed castles in Scotland, and certainly one of the most beautiful. Originally built in the 13th century as a defence against Viking invaders, Eilan Donan subsequently became a stronghold of the Mackenzies of Kintail. It was restored in 1919-1932 and regularly features as a wedding and film location. Notable films that used Eilean Donan include Highlander, The World is Not Enough and Made of Honor. Eilean Donan Castle © Sonja Pieper Urquhart Castle Urquhart Castle is located between Inverness and Fortwilliam, overlooking famous Loch Ness. The castle featured prominently in the Scottish battle for independence, and remained in English hands until Robert the Bruce - recently crowned King of Scotland - recaptured it in 1308. Urquhart is now a ruin, but was one of the grandest and most impressive fortresses in Scotland. Nowadays it is extremely popular with tourists hoping for a glance of the famous Loch Ness monster. Urquhart Castle © Wknight94


average interest rate for saving account

tes While the average U. S. savings account rate for banks has held steady at 0.06% APY since May 2013, there's a good deal of variation among different options. The largest banks, which stick to the traditional brick-and-mortar business model, won't offer more than 0.01% APY on their standard savings accounts.

"Average Bank Interest Rates in 2018: Checking, Savings, Money Market, and CD Rates When you put money in a bank, you'll find that you earn different interest rates based on the type of deposit account you open and the institution you do business with. According to data by the Federal Deposit Insurance Corporation (FDIC), money market accounts typically earn the highest rates, followed by savings accounts and interest checking. Deposit Accounts National Average Interest Rate Interest Checking 0.04%Savings 0.06%Money Market 0.08%Note that certificates of deposit (CDs) can come with even higher rates. However, these prevent you from withdrawing your money for the duration of the CD term, which can range from one month to several years. Withdrawing before the end of a CD's term usually triggers penalties that are measured in months of earned interest. Average Interest Rates by Bank In our initial overview we looked at the typical rates found at some of the largest brick-and-mortar banks. These figures represent the highest possible interest you can earn on balances under $25,000 at each bank, not including temporary promotional rates. Savings Money Market Interest Checking Bank of America 0.01% 0.03% 0.01%BB&T 0.03% 0.04% 0.01%Capital One 0.75% 1.00% 0.20%Chase Bank 0.03% - 0.01%Citibank 0.04% - 0.01%HSBC Bank 0.01% - 0.01%Huntington Nat'l Bank 0.25% 0.15% 0.25%PNC Bank 0.10% 0.60% 0.01%Regions Bank 0.01% 0.01% 0.01%Sun Trust Bank 0.01% 0.60% 0.01%TD Bank 0.05% 0.20% 0.05%U. S. Bank 0.01% 0.06% 0.02%Wells Fargo Bank 0.03% - 0.01%Average Savings Account Ra

At that rate, a savings balance of $10,000 would earn around ten cents a year. Online savings accounts offer a slightly better deal, with interest rates of up to 1.05%. While that's more than a hundred times the standard savings rate at national banks, the online-only banks that offer such rates don't provide physical service locations, meaning that you won't be able to speak with a banker in person to manage your account. Average Money Market Account Rates The rate on money market accounts, which are discussed in depth here, tend to be somewhat higher than the rates on regular savings accounts. Banks attach better APYs to these accounts because they generally require more money to open and more money to waive the monthly maintenance fees. Many banks also encourage customers to open multiple deposit accounts by offering boosted ""relationship"" rates on the money market accounts. As with standard savings, you can find online-only banks offering much better interest rates on money market accounts compared to brick-and-mortar institutions. Typically online money market rates hover around 0.80% to 0.85% for all balances, which is much better than the national average of 0.08% APY. While online-only banks don't offer boosted relationship rates for opening more accounts, they do provide the same rate for any amount you deposit, making it much easier to earn a good rate on a low money market balance. Average Interest Checking Rates Interest checking, sometimes called high-yield checking, doesn't usually earn more interest than a traditional savings account. Major banks only give out around 0.01% APY on most interest checking options, and the national average of 0.04% is mostly a reflection of the high interest rates of online banks and smaller regional banks whose account policies tend to be more generous to customers. Another reason you won't find many high-interest checking options is that most people find it much easier to earn better interest with savings accounts, which tend to see few withdrawals. Checking account balances are always fluctuating due to the frequent expenses of everyday living, making it difficult to earn reliable interest. The few checking accounts that do earn interest are usually premium accounts that require large amounts of money to open or to waive the account fees charged by the bank each month. Average CD Rates While this article covers some general points about certificates of deposit, we've also provided a more detailed look at average CD rates here. We've chosen to treat CDs separately because their interest rates work differently from other types of deposit accounts. The longer you choose to keep money in a CD, the higher rate it earns. The table below lists the FDIC national averages for CDs under $100,000, with typical term lengths.1 month 0.06%$0.503 months 0.08%$2.006 months 0.13%$6.5012 months 0.22%$20.0024 months 0.36%$52.1036 months 0.49%$148.1048 months 0.60%$242.9060 months 0.78%$397.70Show All Rows Ideally, the only time you withdraw or manage the money in a CD comes when its predetermined term expires and you close it out. Withdrawing from a CD before its maturity date triggers penalty fees costing one-third to one-half of the maximum interest you would earn. If you withdraw before you reach those points, you can actually end up with less money than you began, so it's important to leave your CD deposit alone until it matures. Comments and Questions "


the three punctuation marks which can end a sentence are

[.]1. Use a period to show the end of a sentence. Hockey is a popular sport in Canada. The federal government is based in Ottawa.2. Use a period after certain abbreviations. B. C. is the province located on the West Coast.

Punctuation

"Punctuation. Period ? Question Mark ! Exclamation Mark , Comma ' Apostrophe "" Quotation Marks : Colon ; Semicolon - Dash - Hyphen Period

Dr. Bethune was a Canadian who worked in China. The company is located at 888 Bay St. in Toronto. It is 4:00 p.m. in Halifax right now. Question Mark [? ]Use a question mark at the end of a sentence to show a direct question. How many provinces are there in Canada? Note: do not use a question mark for indirect questions. The teacher asked the class a question. Do not ask me why. Exclamation Mark [! ]Use an exclamation mark at the end of a sentence to show surprise or excitement. We won the Stanley Cup! The forest is on fire!Comma [,]1. Use a comma to show a pause in a sentence. Therefore, we should write a letter to the prime minister.2. Use a comma with quotation marks to show what someone has said directly. ""I can come today, "" she said, ""but not tomorrow.""3. Use commas for listing three or more different things. Ontario, Quebec, and B. C. are the three biggest provinces.4. Use commas around relative clauses that add extra information to a sentence. Emily Carr, who was born in 1871, was a great painter. Apostrophe [']1. Use an apostrophe to show ownership of something. This is David's computer. These are the player's things. (things that belong to the player)Note: For nouns in plural form, put the apostrophe at the end of the noun. These are the players' things. (things that belong to the players)2. Use an apostrophe to show letters that have been left out of a word. I don't know how to fix it. Quotation Marks [""]Use quotation marks to show what someone has said directly. The prime minister said, "" We will win the election. """" I can come today, "" she said, "" but not tomorrow. ""Colon [:]1. Use a colon to introduce a list of things. There are three positions in hockey: goalie, defence, and forward.2. Use a colon to introduce a long quotation. The prime minister said: ""We will fight. We will not give up. We will win the next election. ""Semicolon [;]1. Use a semicolon to join related sentences together. The festival is very popular; people from all over the world visit each year.2. Use a semicolon in lists that already have commas. The three biggest cities in Canada are Toronto, Ontario; Montreal, Quebec; and Vancouver, B. C. Dash [-]1. Use a dash before a phrase that summarizes the idea of a sentence. Mild, wet, and cloudy - these are the characteristics of weather in Vancouver.2. Use a dash before and after a phrase or list that adds extra information in the middle of a sentence. The children - Pierre, Laura, and Ashley - went to the store. Most Canadians - but not all - voted in the last election.3. Use a dash to show that someone has been interrupted when speaking. The woman said, ""I want to ask - "" when the earthquake began to shake the room. Hyphen [-]1. Use a hyphen to join two words that form one idea together.sweet-smelling fire-resistant2. Use a hyphen to join prefixes to words.anti-Canadian non-contact3. Use a hyphen when writing compound numbers.one-quarter twenty-three "


what are the five basic chart forms

The basic types of price charts are bar, candlestick, line, and point and figure. One of the most common types of charts used is a bar chart, where each bar represents one point in time. Though a bar typically represents one day, bar charts can be used to show longer periods, where one bar might represent an entire week or month.

Basic Types of Charts

Basic Types of Charts Price charts present a sequence of price data over a set period of time, which can range from minutes to years. Though there are a variety of price charts, they are all typically formed in the same way: with prices plotted on the y-axis (vertical axis) and time on the x-axis (horizontal axis). Technical indicators are usually plotted underneath or on top of price charts. In general, daily and intraday charts are used to study short-term price movements, and longer time periods - such as weeks and months - are used to evaluate long-term trends. Though short-term charts illustrate a greater amount of detail, they also capture many sudden - and potentially insignificant - price movements that may distort what's actually happening to the security or the market. Weekly and monthly charts are typically used to study primary, or overall, trends because they help smooth out the fluctuations in prices that occur over shorter time periods.

Each bar must show the high, low and closing prices for the security being studied. The top of the bar shows the high, the bottom the low, and a tick mark extending from the bar to the right shows the close. Some bar charts also include the security's opening price with a short horizontal line that extends to the left. Candlestick charts are like bar charts, but they use a wider bar, which some analysts contend make them easier to read. Candlesticks always show the open, close, high and low prices. If the open is greater than the close, the candlestick is red, and if it's lower than the close, the bar is green. Line charts show only closing prices, and extend across a price chart as a single line. Because they show less data, line charts tend to help smooth out daily price fluctuations, potentially making trends easier to spot. Unlike the other basic charts, point and figure charts don't take time into consideration. These charts plot changes in price by using small X and O symbols, where Xs represent rising prices and Os indicate falling prices. Instead of making a new X or O symbol based on time, only price movements that are considered significant are plotted on the graph. As long as the price continues to move in the same direction, additional Xs or O's will be plotted on the price chart. For example, if prices continue to increase over a span of five time periods, five Xs will appear on top of each other in a vertical line. If in the sixth time period, the price declines significantly, an O will appear in a vertical line next to the line of Xs. Proponents believe point and figure charts give clearer portrayals of price trends by smoothing out small and insignificant fluctuations in price that can happen on a daily basis.


how much is a sheet of plywood at lowe's

At Home Depot, for example, they offer more than 150 types of plywood on its website, with prices ranging anywhere from $12 to $50 per board for its top sellers. Lowe’s, on the other hand, has prices ranging anywhere from $15 to $50 for the most popular 4-by-8 sheets. Do It Yourself says the average sheet of plywood can cost $10 to $50. Thickness

How Much Does Plywood Cost?

"Home Costs > Materials > How Much Does Plywood Cost? How Much Does Plywood Cost? Plywood is manufactured from the thin layers of wood veneer that is glued together. This engineered wood is medium in density and reduces the tendency to split when nailed at its edges. It can also help reduce expansion and shrinkage, offering better stability when compared to other materials.“ Pine Plywood ” ( CC BY 2.0 ) by Design Build Love How much does plywood cost? The cost of a sheet of plywood will depend on the size and where it’s purchased. Depending on the thickness, plywood can cost anywhere from $5 to as much as $55 for a 4×8 sheet. For example, a 4×8 that 1/4″ thick can cost $6, while a 4×8 that is 11/32″ thick can cost around $15. See our chart below to give you a better idea of what you may pay at a local hardware store.

Price Range (for a 4x8 sheet)15/32"" $15 to $3523/32"" $15 to $4011/32"" $7 to $1415/32"" $10 to $1819/32"" $10 to $201/4"" $6 to $257/16"" $5 to $101/2"" $6 to $1119/32"" $7 to $14NOTE: All price ranges above are for a 4×8 sheet that is standard with no alterations. Type Thickness Average Price (4x8)Hardboards 1/8 $10 to $15Hardboards 1/4 $15 to $20Treated 3/8 $40 to $50Treated 1/2 $50 to $65Treated 3/4 $60 to $75Hardwood (birch or oak) 1/4 $20 to $40Hardwood (birch or oak) 1/2 $50 to $60Hardwood (birch or oak) 3/4 $60 to $75Sanded 1/4 $25 to $35Sanded 3/8 $30 to $40Sanded 1/2 $35 to $45Sanded 3/4 $40 to $50Sanded (fir) 1/2 $70 to $80Sanded (fir) 3/4 $80 to $90Sanded (maple) 1/4 $40 to $50Sanded (maple) 3/4 $65 to $75Sanded (cherry) 1/4 $40 to $50Sanded (cherry) 3/4 $65 to $75Sheathings (pine) 3/8 $11 to $20Sheathings (pine) 1/2 $15 to $20Sheathings (CDX pine) 5/8 $15 to $21Sheathings (structurewood osb) 7/16 $10 to $15Sheathings (structurewood osb) 5/8 $15 to $20Sheathings (structurewood osb) 1/2 $10 to $15What is going to be included? Buying plywood can be overwhelming, and most of the plywood found at local big box retailers, according to Ez Wood Shop.com, will be for roofing purposes, building garages or covering a bathroom floor. Plywood can come from different trees, and the sheets of plywood, as noted in our table above, are available in various sizes. Popular wood species includes alder, aspen, birch, cedar, cherry, douglas fir, fir, hickory, mahogany, maple, oak, pine, red oak, southern pine, walnut and white oak. However, if you were to purchase plywood locally, most retailers will only carry plywood in demand, which is often three to four species such as oak, birch or mahogany. Like any wood, it can also come in various thicknesses and different grades. The most common sizes in the United States are 3/4″, 1/2″ and 1/4″. What are the extra costs? Plywood that is already sanded or made from a different type of wood can cost 30 percent more than raw plywood. For example, oak and birch will cost more than a standard OSB plywood. As mentioned, most stores will only carry three to five species, and if the type of plywood isn’t being carried by your store, you may have to special order it for an additional fee. If you have no way to transport your sheets of plywood to your home or construction site, most stores will offer delivery for an extra charge. Tips to know: The variety of plywood can be rather overwhelming. Whether you are going to use plywood for your cabinets or for something outside your home, be sure to know what the differences are going to be when purchasing the materials. If possible, try to do your homework online first as you may find that many local employees do not know as much as you would want them to know. Choose the type, size, and thickness according to the job that you are doing, not necessarily the price as all plywood isn’t created equally. How can I save money? Plywood is often on sale at local hardware stores, so watch the ads closely to find the best deal. Most hardware stores offer a store credit card. If you are going to be buying a lot of plywood and other building material, you may want to sign up for one. You can usually get 10 to 25% off your purchase just for signing up for a credit card. Advertising Disclosure: This content may include referral links. Please read our disclosure policy for more info. Average Reported Cost: $00 %0 %Map data ©2018 Google, INEGI Terms of Use Map Satellite Less Expensive$1 $1.5K $3K $5K $6.5KMore Expensive$8k How much did you spend? Was it worth it? "


how a hot spark plug works

This can lead to pre-ignition, knocking, and permanent engine damage. If you aren't sure which spark plug heat range to use, err on the side of using a plug that's too cold rather than a plug that's too hot. Hot plugs have more insulation and are found in most standard engines. The extra insulation keeps the plug's temperature high enough to burn off carbon deposits, which allows for more time between spark plug changes.

How Spark Plugs Work

Spark Plug Basics Prev NEXTIt seems pretty obvious that a spark plug provides the spark that burns the fuel, but its secondary role as a heat dissipater is equally important. A spark plug's ability to transfer heat to the car's cooling system is based on the length of the insulator nose and the materials used for the center electrode and the insulator. Standard spark plugs in modern engines have a copper center electrode core surrounded by a nickel alloy, which you can see at the tip of the plug. Inside the plug, the center electrode is encased in porcelain, which helps transfer heat from the engine to the cooling system. Premium spark plugs make use of precious metals, like platinum or iridium, in place of the nickel alloy. These metals have higher melting points -- and higher prices to match. Speaking of temperatures, spark plugs come in two basic varieties: cold and hot. Cold plugs work best in high- horsepower high-compression engines. They have less insulation, so more heat can be transferred away from the combustion chamber to the outside of the engine. This is no laughing matter: If the plug isn't cold enough for a particular application, it can't get enough heat out of the piston chamber.

As gas prices climb higher, more manufacturers are claiming that swapping out old spark plugs for their premium plugs will boost any car's gas mileage. This is true -- but only to a point. The fact is, dirty, carbon-fouled, misfiring spark plugs will definitely lower a car's fuel economy and replacing them with shiny, new plugs will definitely improve fuel economy. Whether those plugs have exotic metals or nickel-alloy center electrodes doesn't matter quite as much as having the appropriate heat rating and gap between the center electrode and the ground electrode. Speaking of those gaps, almost any plug you can find at the auto parts store will come pre-gapped for your engine. The days of setting the gap with a gauge are pretty much over, unless you're squeezing every last bit of performance out of your Saturday night hot rod. Engine modifications often mean you must gap new spark plugs, but stock engines with factory-approved, pre-gapped replacement plugs can usually go without adjustment. Now that we know how a spark plug functions in the engine and the materials they're made of, let's find out what's inside these little guys. Invention Contention There's some debate about who invented the spark plug. One of the earliest possible versions was invented by an African-American named Edmond Berger, reportedly in February 1839. Skeptics cite the scarcity of internal combustion engines in 1839, which would make Berger's invention more experimental than practical.1 2 … 5 6 NEXTPrint | Citation & Date | Reprint More to Explore Related Content Can you return a used car? 1968 Dodge Charger R/T Hemi The Five Most Collectible Ferraris


percentage of female executives that are happily married

In a Match.com survey, 81 percent of married women deemed having a happy relationship more important than their career. That craving for companionship doesn't just bloom at the altar, either. ""Whether you're married or not, relationships—and the satisfaction tied to them—are extremely important for increasing men's and women's quality of life,"" says Helen Fisher, Ph. D., an anthropologist at Rutgers University who conducted the survey.

Is Your Wife Happily Married?

"Subscribe WANT TO KNOW HOW IMPORTANT YOU ARE TO HER? Advertisement Daily Dose You may unsubscribe at any time. Privacy Policy | About Us

Humans are social creatures, so it all boils down to forming bonds. ""You don't come home from the office to spend time with another job,"" Fisher says. ""Hopefully you come home to someone you can have a good time with."" Think you're doing fine in the satisfied-spouse department? We uncovered stats—from our own surveys and those of noted research institutions—that may change your mind. Don't worry: With our advice, she'll be smiling soon. (Dying for more must-have sex and relationship advice? Sign up for the Men's Health Girl Next Door newsletter and you can have tips delivered right to your inbox. )91Percentage of women who are happy in their current relationship (Source: Men's Health survey)82Percentage who believe they're happier than their friends who aren't in relationships ( Men's Health survey)61Percentage of women who say they wish their partner were more spontaneous ( Men's Health survey)Reach out : You don't have to be extravagant to be spontaneous, says Kristen Mark, Ph. D., a sex and relationships researcher at the University of Kentucky. She wants to see that you care. Your move: On a night when you know her schedule is open, book a reservation at a restaurant she's had her eye on, or snag tickets to an event she's been dying to attend. ""At the end of the day, women want thoughtful,"" Mark says--and this gesture will show her that you've been paying attention.45Percentage of women who say receiving more PDAs from their partner would make them happier ( Men's Health survey)54Percentage of women who think a surprise weekend getaway with their mate would jumpstart their joy ( Men's Health survey)85Percentage of women who are satisfied with the amount of ""alone time"" their partner gives them ( Men's Health survey)Leave her be : She says she needs space? Start investing more in your own identity, whether it's going out with the guys or hitting the gym, says Karen Sherman, Ph. D., the author of Marriage Magic! Giving her this breathing room not only allows her to spend her time how she pleases but also helps your connection in the long run. ""When you create space, it increases desire,"" Sherman says. ""And this desire can help the relationship grow. ""60Percentage of full-time working moms who'd be happier switching to part-time (Report from the Pew Research Center; ""The Decline of Marriage And Rise of New Families”)91Percentage of moms who are perfectly okay with their husband paying more attention to the kids than to them ( Men's Health survey)18Percentage of married women who think about sex at least once a day More is more : Looking to keep sex on her brain? Put in the effort and get busy more often. ""Having frequent sex leaves you craving more sex after it's done,"" Fisher says. The act itself triggers the release of healthy brain chemicals, such as dopamine, oxytocin, and testosterone. This leaves her feeling closer to you and longing for more, says Fisher. (Match.com’s third annual Singles in America survey)39Percentage of women who wish they slept naked with their partner more often ( Men's Health survey)74Percentage of women who think their current guy is their best ever ( Men's Health survey)73Percentage who are satisfied with their partner's willingness to provide oral sex ( Men's Health survey)59Percentage of married women who aren't afraid to hash out sexual dissatisfaction with their husband (Match.com’s third annual Singles in America survey)Talk it out : First, don't have sex talks where you have sex. ""Avoid having this conversation in the bedroom,"" Fisher says. ""It's too intimate a location and makes it too intense."" Aim for a relaxed environment, such as on a walk. When chatting, focus on the solution, not the issue. ""It all comes down to wording,"" Mark says. For example, instead of saying, ""The positions you like are really boring me,"" say ""I can't get over how sexy you look when you're on top."" ""Framing it in a positive light makes talking about sex less threatening,"" Mark says.77Percentage of women who expect their man to know when they're angry--even when they say everything is ""fine"" ( Men's Health survey)19Percentage of women reporting wedding jitters who divorced within 4 years (Research published in the Journal of Family Psychology)Spot warning signs : Beware the silent one. ""A big red flag is when she stops complaining,"" says Sherman. ""When she becomes apathetic, it means she doesn't care anymore."" Other giveaways: less sex and less interest in little things, like telling you about her day or asking about yours.44Percentage of women who think financial security is an important element of relationship happiness ( Men's Health survey)38Percentage who earn more than their men (Report from the Bureau of Labor Statistics)Be her rock : ""If her career is taking off, it's clear she can fend for herself,"" Sherman says. But she can't give herself the emotional support she craves from you. Asking about her work, as well as giving her advice and support when she needs it--that's something you can't put a price on, Sherman says. "


is a claim alleging tcpa violation a d&o claim?

It is probably worth noting that the question of D&O insurance coverage for TCPA claims is largely restricted to private company policyholders. In a TCPA action, the claimants typically name as defendants only the corporate entity that allegedly violated the statute. Entity coverage under public company D&O insurance policies is limited to claims for violations of the securities laws.

D&O Insurance: The Question of Coverage for TCPA Claims By Kevin La Croix on September 15, 2015Posted in D & O Insurance The Telephone Consumer Protection Act (TCPA) has proven to be a fruitful source of consumer class action litigation. Plaintiffs’ lawyers are attracted by the potentially lucrative recoveries under the statue, and indeed several recent settlements in TCPA class action lawsuits have run into the millions of dollars. The volume of litigation under the statute and the potential damages associated with the claims has inevitably led to insurance coverage questions. In the past, defendants in TCPA lawsuits looked to their Commercial General Liability (CGL) policies for their defense of these kinds of claims. However, CGL carriers increasingly are expressly excluding coverage for TCPA lawsuits, which has led other companies seeking insurance for TCPA claims to look to other coverages for possible insurance protection, including their D&O insurance policies. As discussed below, carriers may contend that standard D&O insurance policy exclusions preclude coverage for these kinds of claims, but courts continue to sort out the issues. Background Congress passed the TCPA in 1991 in order to provide consumers protection against unsolicited telemarketing using various electronic technologies such as fax machines, automatic dialing machines and text messaging. The TCPA includes a private right of action under which a plaintiff may recover the greater of actual monetary loss or $500 per violation. A could may treble the amount of damages in the event of a “willful or knowing” violation. As discussed in an interesting March 3, 2015 memo from the K&L Gates law firm ( here ), TCPA lawsuit defendants in the past sought coverage for the claims under their CGL policies. The policyholders argued that the TCPA claims fell within in the CGL’s advertising injury coverage part. Under this coverage provision, the term “advertising injury” is typically defined to include “oral or written publication, in any manner, of material that violates a person’s right of privacy.” The question of coverage under the CGL policies turned on whether a TCPA claim alleges a violation of the “right to privacy.” In considering this question, the courts had analyzed whether the right to privacy includes only the right to secrecy, or whether it also included a right to seclusion. Some courts concluded that a claim for violation of the right to privacy includes claims for violations of the right to seclusion, and therefore that the CGL policy provides coverage for a TCPA claim; other courts have disagreed. However, it is important to note that many newly issued CGL policies now contain a specific exclusion for TCPA claims. As TCPA-related claims exclusions have become more common in CGL policies, TCPA claim defendants have sought coverage under other kinds of policies, including under their D&O insurance policies. In attempting to establish coverage under their D&O insurance policies, the policyholders have run into impediments. In particular, carriers have attempted in argue that the TCPA claims are precluded from coverage under the personal injury claim exclusion typically found in most private company D&O insurance policies, and in particular in the “invasion of privacy” provision of the personal injury claim exclusion. These exclusions typically states, among other things, that the policy will provide no coverage for loss in any claim “based upon, arising out from, or in consequence of … invasion of privacy.”As discussed in September 9, 2015 post on the Foley & Lardner law firm’s CFSL Bulletin Blog entitled “D&O Policies: A Possibility for TCPA Coverage?” ( here ), court have relied on this exclusionary language to preclude coverage under D&O insurance policies for TCPA claims. The blog post discusses a recent TCPA class action lawsuit involving the Los Angeles Lakers, in which a Lakers fan had claimed that the team had violated the TCPA when, after the fan had texted a message to the team during a fan promotion, the team them texted him (and other fans) a promotional message. The fan’s lawsuit ultimately was dismissed on the grounds that in sending his initial message to the team, the fan had consented to the text. The team sought coverage for its defense expenses incurred in defending the claim. The insurer denied coverage for the claim in reliance on the “invasion of privacy” language in the policy’s personal injury exclusion. In an April 17, 2015 opinion ( here ), Central District of California Judge Dolly Gee granted the insurer’s motion to dismiss, holding that coverage for the TCPA action was precluded by the “invasion of privacy” provision in the Lakers’ D&O insurance policy’s personal injury exclusion. In reaching this decision, Judge Gee expressly referred to the prior case law interpreting the CGL policies’ coverage provision, in which the various courts had concluded that a TCPA claim represents an “invasion of privacy” claim within the meaning of the CGL policies advertising injury provision. Judge Gee also cited prior federal district court decisions (including a prior decision relating to the question of D&O insurance coverage for a nearly identical TCPA claim filed against the Lakers’ cross-town rivals, the Los Angeles Clippers) had also found that the “invasion of privacy” provision in D&O insurance policies’ personal injury exclusion precluded coverage for the claims. Discussion As the Foley & Lardner firm’s blog post notes, the Lakers have filed an appeal of Judge Gee’s ruling in the case. The law firm optimistically notes that if the Ninth Circuit reverses the district court, it “could issue a decision finding coverage for TCPA claims under D&O policies despite the ‘invasion of privacy.’” If the Ninth Circuit were to reverse the district court’s holding, the blog post notes, “that could open up a new source of insurance coverage for TCPA claims and lead to an increasing number of TCPA defendants seeking coverage under their D&O policies.” Of course, though the blog post fails to note it, the reverse is also true; that is, if the Ninth Circuit were to affirm Judge Gee’s ruling, that could make it that much more difficult for TCPA defendants to find coverage under the D&O insurance policies for the claims.

So if the defendant company is a public company and no individual directors or officers are named as defendants, there will be no coverage for the claim under the company’s D&O insurance policy simply because the claim does not fall within any of the policy’s insuring provisions. Entity coverage under a private company D&O insurance policy is broader than under a public company D&O insurance policy, and so the claim arguably does fall within the entity coverage afforded in a private company policy. However, the question is whether the “invasion of privacy” exclusionary provision precludes coverage. The “invasion of privacy” provision in the private company D&O insurance policy’s personal injury claim exclusion is already under challenge now, out of concerns that the provision could have the unintended effect of precluding coverage under a D&O insurance policy for a data breach-related D&O insurance claim. Questions about scope of the preclusive effect of the invasion of privacy provisions are further highlighted by these questions about the scope of coverage available under the D&O insurance policy for TCPA-related claims. Carriers may well contend that they do not intend to provide coverage for TCPA claims, and I don’t dispute the carriers right to choose to exclude coverage for claims for which it does not want to provide insurance. However, my preference when carriers seek to preclude coverage for certain specific classes of claims is that they expressly state that they will not cover a class of claims – that is, in this context, expressly state that TCPA claims are excluded from coverage. That not only provides further clarity but it also allows the possibility of trying to negotiate off the policy exclusion as part of the policy placement process. In any event, even outside of the TCPA claim context, I believe claims alleging invasion of privacy violations could become an increasingly important part of the D&O claims environment. I believe that the invasion of privacy provision could become a critically coverage determinative provision. It seems likely to me that carriers will face increasing pressure for coverage carve backs to the policy exclusion, particularly to provide clarification that the exclusion applies only to claims against the entity and not against individuals, or even that the exclusion does not apply to defense expenses. Upcoming Advisen European D&O Conference: On Thursday, November 19, 2015, Advisen will be holding its pan-European Executive Risk Insights Conference at the SCOR Headquarters in Paris. The program will address developments in policy wordings, claims trends and include discussions from European risk managers on the issues facing their organizations today. The agenda will also include sessions on crucial risk issues in Europe, including privacy and network security issues, anti-corruption, board diversity, the rise of the activist investor and regulatory developments. Victor Peignet, Chief Executive Officer of SCOR Global P&C SE will give the keynote address. Information about the conference, including registration instructions, can be found here. I will be participating in a panel at the conference about rising global anti-corruption enforcement and its impact on executive liability. Tags: Consumer Privacy, invasion of privacy, TCPA, telephone consumer protection act


how heavy are road bikes

t Best Answer: The average weight for a road bike is around 17-19 pounds. 24 pounds is very light for a mountain bike, but extremely heavy for a modern road bike. R

Sports Cycling Is 24 pounds (10.9 kgs) heavy for a road bike?if it is what exactly is light and what heavy ? like can you give me a range ? i.e. 14 lbs and below is light and 15 lbs and higher is heavy PLEASE SOOO APPRECIATED, ( (;Follow 6 answers Answers Relevance Rating Newest Oldes

acing bikes are limited to 15 pounds (probably to prevent designers pushing the limits too far and making them unsafe) but I'm sure that if you spent enough, you could get under that. Source (s):http://www.smartcycles.com/bike_weight.h... Sick of trolls · 9 years ago1 0 Comment24 pounds is a bit too heavy for any modern road bike. If you're looking at an entry level bike, you're probably going to be somewhere in the 21-22 lb. range and anything approaching pro level will dip under 16.5 lbs., and this scale will alter how much you're spending. The lighter you go, the more expensive it'll be. The UCI (The folks that govern the rules of pro bike racing) dictate that pro bikes can't be any lighter than 15 pounds, though more and more high-end bikes are starting to come in from manufacturers at below that. Of course, these bikes are prohibitively expensive, generally costing $6000 or much more, therefore out of the reach of the majority of us. I'd say if you're looking to spend about $1000, the weight is probably going to hover around 20 pounds. If you want to spend $6000, you can get down to around 15 or 16 pounds. Source (s): My two road bikes, a Felt F95 at around 20 pounds and a Specialized S-Works Roubaix at 16 pounds. Wyndon P · 9 years ago1 0 Comment24 pounds is very heavy for a road bike. A decent entry level road bike (800 - 1000) should come in around 20 pounds or so. 24 pounds is great going down the hills, but first you have to get up them!elguapo gordo · 9 years ago0 0 Commentit depends on the size of the frame, and if the bike is accessorized or naked (no pedals, blow out bag, aero bars, computer etc...) a light weight bike that is naked should be around 15 or 16 pounds. a respectably light bike naked should weight about 17-18 pounds, a heavy naked bike is anything 18+ The easy answer to you question... regardless of frame size, naked or not; a road bike that weights 24 pounds is a TANK. But let be optimistic... shes going to fly on the downhills! Best of luck!Source (s): Bike Mechanic and Avid Cyclistshawnalong21 · 9 years ago1 0 Comment That's really heavy for a road bike most road bikes weight around 16-19lbs that would be a good weight for a mountain bike. The pros ride 15lbs bikes Anonymous · 9 years ago0 0 Commenta in demand middle-of-the-line 20-velocity highway motorbike will run around 17 pounds. So sure, 24 pounds is seen heavy, exceedingly for a single-velocity. Is it *too* heavy? probable no longer, as long as you're no longer paying lots for it!gabourel · 1 year ago0 0 Comment Maybe you would like to learn more about one of these? Consolidate Your Student Loans How to order contacts online? Want to build a free website? Find Email Marketing Software