text: Attributions. Douglas Gould, PhD. Douglas Gould received his PhD in medical genetics from the University of Alberta, where he studied the role of FOXC1 in ocular development and glaucoma, working in the laboratory of Michael Walters, PhD. He then moved to The Jackson Laboratory in Bar Harbor, Maine, to continue studying ocular development and disease in the laboratory of Simon W. M. John, PhD. There he discovered that mutations in type IV collagen alpha 1 (COL4A1) cause a multi-system disorder that includes ocular dysgenesis and glaucoma. Dr. Gould presently is an associate professor in the Departments of Ophthalmology and Anatomy and the Institute for Human Genetics at the UCSF School of Medicine. His lab has continued to work on understanding how mutations in COL4A1 lead to disease and identifying new genes that cause glaucoma.

textbook:
Lesson Title: Introduction to Medical Genetics

**Objective:** In this lesson, we will learn about medical genetics, which is the study of genes and their role in health and disease. We will cover the basics of DNA, genes, and inheritance, as well as some common genetic disorders. By the end of this lesson, you will be able to understand the principles of medical genetics and apply them to real-world scenarios.

**Section 1: Introduction to Medical Genetics**

Medical genetics is the study of genes and their role in health and disease. It is a branch of medicine that combines the fields of genetics, molecular biology, and bioinformatics to understand the genetic basis of diseases and improve patient care.

**Section 2: Basic Concepts in Medical Genetics**

- **DNA**: Deoxyribonucleic acid is the molecule that carries the genetic information for living organisms. It is composed of four nucleotide bases: adenine (A), thymine (T), guanine (G), and cytosine (C). These bases pair up in a specific order (A-T and G-C) to form the DNA double helix.

- **Genes**: A gene is a segment of DNA that contains the instructions for making a specific protein. Proteins are essential for the structure, function, and regulation of cells, tissues, and organs in an organism.

- **Inheritance**: Genetic information is passed from parents to offspring through the process of inheritance. This occurs during the formation of sperm and eggs, and involves the combination of genetic material from both parents.

**Section 3: Genetic Disorders**

Genetic disorders are caused by changes (mutations) in one or more genes. These changes can lead to the production of abnormal proteins or a lack of necessary proteins, which can result in a wide range of health problems. Some common genetic disorders include:

- Cystic Fibrosis: A disorder that affects the lungs, pancreas, and other organs, causing difficulty breathing and chronic lung infections.
- Huntington's Disease: A progressive brain disorder that causes uncontrolled movements, emotional problems, and loss of thinking ability.
- Sickle Cell Anemia: A disorder in which red blood cells become misshapen and break down, leading to anemia and other complications.

**Section 4: Applying Medical Genetics**

Medical genetics has many practical applications in the field of medicine. For example, it can help doctors diagnose and treat patients with genetic disorders, identify individuals who may be at risk for certain diseases, and develop new therapies based on our understanding of genetic mechanisms.

**Conclusion**

In this lesson, we have learned about the basics of medical genetics, including the concepts of DNA, genes, and inheritance. We also explored some common genetic disorders and their effects on the body. As we continue to study medical genetics, we will delve deeper into the science behind these concepts and their applications in medicine.

**Glossary**

- **DNA**: Deoxyribonucleic acid
- **Genes**: Segments of DNA that contain instructions for making proteins
- **Inheritance**: The passing of genetic information from parents to offspring
- **Cystic Fibrosis**: A genetic disorder that affects the lungs, pancreas, and other organs
- **Huntington's Disease**: A brain disorder caused by a genetic mutation
- **Sickle Cell Anemia**: A genetic disorder that affects red blood cells

**Self-Debate Discussion**

What are some potential benefits and risks of using genetic information in medicine? How might we balance these factors to ensure that medical genetics is used responsibly and ethically?


text: Can Supplements Make you Sleep Better?. Food supplements are commonly seen these days to aid health and apparently they are helping stress out the unwanted toxins and outside forces that have long been responsible for making our lives miserable. But while they are artificial additives that can help us live better, they too have a role that can help us treat insomnia and sleep disorder problems, much of which has been growing in numbers today.. Among the proper recourse to be done to sleep better aside from the controversial sleeping pills include:. 1. Meditation. 2. Supplements. 3. Acupuncture. 4. Relaxation. 5. Exercise. Things to remember:. Tags: acupuncture, artificial additives, food supplements, herbs, Insomnia, medication, relaxation, sleep, sleep-disorder, Sleeping Pills, unwanted toxins<!- google_ad_section_end ->

source: refinedweb

textbook:
Lesson: Can Supplements Make you Sleep Better?
Introduction:
Food supplements are commonly seen these days to aid health and apparently, they are helping stress out the unwanted toxins and outside forces that have long been responsible for making our lives miserable. But while they are artificial additives that can help us live better, they too have a role that can help us treat insomnia and sleep disorder problems, much of which has been growing in numbers today.
In this lesson, we will learn about the proper recourse to be done to sleep better aside from the controversial sleeping pills, including meditation, supplements, acupuncture, relaxation, and exercise. We will also discuss the benefits of herbs and the importance of remembering to take them.
Section 1: Meditation
Meditation is a powerful tool that can help us relax and calm our minds. It involves focusing our attention on a particular object, thought, or activity, and allowing our minds to settle into a state of calm and tranquility. Meditation has been shown to improve sleep quality and duration, as well as reduce anxiety and stress levels.
Section 2: Supplements
Supplements are substances that are added to food to improve its nutritional value. They can come in many forms, including pills, capsules, liquids, and powders. Some popular supplements for sleep include valerian root, chamomile, and passionflower. These herbs have been used for centuries to treat insomnia and other sleep disorders.
Section 3: Acupuncture
Acupuncture is an ancient form of Chinese medicine that involves inserting thin needles into specific points on the body to restore balance and promote healing. It has been shown to be effective in treating insomnia and other sleep disorders. Acupuncture works by stimulating the release of endorphins, which are natural painkillers that can help us relax and fall asleep more easily.
Section 4: Relaxation
Relaxation techniques can help us calm our minds and bodies, reducing tension and stress. Some popular relaxation techniques include deep breathing, yoga, and massage. These techniques can help us fall asleep more easily and stay asleep longer.
Section 5: Exercise
Exercise is an important part of a healthy lifestyle. Regular exercise can help us sleep better by improving our overall health and reducing stress levels. However, it is important not to exercise too close to bedtime, as this can increase alertness and make it harder to fall asleep.
Conclusion:
In conclusion, there are many things we can do to improve our sleep quality and duration. By incorporating meditation, supplements, acupuncture, relaxation, and exercise into our daily routines, we can reduce stress and anxiety levels, and fall asleep more easily and stay asleep longer. Remember to consult with your healthcare provider before starting any new supplements or medications, and always follow the recommended dosages and instructions.


text: Cassie Sheahan. Director. Licensed Real Estate Agent & Auctioneer, Cassie, along with business partner Lucas Myers, have expanded now owning 3 offices servicing Wagga, Junee and Coolamon along with the regions premier rural property agency.. Having led the local market as top performing sales agent, Cassie is highly regarded throughout the region. Consistently achieving "Premier" status within the Ray White Group and thriving on the competitive nature of the Real Estate industry. An expert in selling strategically with a natural ability to read the market to leverage the best possible outcomes for her clients she is a strong negotiator, honest & has the ability to maximise the value of a client's asset in any market.. Joining forces with Courtney Plane.. Awards. - 2020/2021 - Elite Performer. - 2019/2020 - Premier Business Leader of Ray White Coolamon. - 2019/2020 - Premier Performer. - 2017/2018 - Premier Performer. - 2016 - Premier Member (AUS). - 2015 - Premier Member. - 2013 - Premier Member

textbook:
Lesson: Introduction to Real Estate

### Section 1: Theoretical Concepts

Real estate refers to the property, land, buildings, and other physical assets that are used for commercial, industrial, or residential purposes. Real estate agents are professionals who help buyers and sellers in the process of buying and selling properties. They provide valuable services such as property valuation, negotiation, and legal advice.

### Section 2: Practical Examples

Let's consider a real-life scenario where a person wants to sell their house. The first step would be to hire a real estate agent who will evaluate the property's worth and suggest a selling price. The agent will then market the property through various channels such as online portals, social media, and print media. They will also arrange for open houses and showings for potential buyers to view the property. Once a buyer is found, the agent will negotiate the price and terms of the sale with the buyer's agent. Finally, they will handle the legal paperwork and ensure that the transaction is completed smoothly.

### Section 3: Self-Debating Discussions

Why do you think people choose to work with real estate agents when selling or buying property? What are the benefits of working with a professional in this field?

### Glossary

- Real estate: Property, land, buildings, and other physical assets used for commercial, industrial, or residential purposes.
- Real estate agent: A professional who helps buyers and sellers in the process of buying and selling properties.
- Property valuation: The process of determining the worth of a property.
- Negotiation: The process of reaching an agreement between two parties.
- Legal advice: Professional guidance on matters of law.

### Conclusion

Real estate is a complex and dynamic industry that requires specialized knowledge and skills. By understanding the theoretical concepts and applying them to practical examples, we can gain a deeper appreciation of the role of real estate agents in the property market. Through self-debating discussions, we can challenge our own assumptions and develop critical thinking skills that are essential for success in this field.


text: This is the felt guide door window bailey channel for your VW Kombi and Beetle.. This fits along the top edge and down the rear upright of the recess in the cab door, which takes the wind-up window.. Fits most Beetles from 1954 onward and Baywindow Kombis from 1968 to 1979. You will also require these felt trim clips

textbook:
Lesson: How to Replace Felt Trim on Your Volkswagen Kombi or Beetle

Introduction:
In this lesson, we will learn how to replace the felt trim on your Volkswagen Kombi or Beetle. This is an essential part of maintaining your car's interior and ensuring that it looks clean and polished. We will cover the following sections:

Section 1: Understanding the Felt Trim and its Purpose
The felt trim is a crucial component of your Volkswagen Kombi or Beetle's interior. It is located along the top edge and down the rear upright of the recess in the cab door, which takes the wind-up window. The primary purpose of the felt trim is to provide a smooth and seamless finish to the window, preventing any gaps or spaces that could allow dust or dirt to enter the cabin. Additionally, it adds to the overall aesthetic appeal of your vehicle.

Section 2: Tools and Materials Needed
To replace the felt trim on your Volkswagen Kombi or Beetle, you will need the following tools and materials:
- A flathead screwdriver
- A Phillips head screwdriver
- A small pair of pliers
- A new piece of felt trim (available from most Volkswagen parts suppliers)
- A small amount of adhesive (such as super glue)

Section 3: Removing the Old Felt Trim
1. Begin by locating the area where the old felt trim is attached to the cab door. You will see two small clips holding it in place.
2. Using a flathead screwdriver, carefully pry off the clips and remove the old felt trim.

Section 4: Preparing the Cab Door for the New Felt Trim
1. Clean the area where the new felt trim will be attached to ensure that it sticks properly.
2. Apply a small amount of adhesive to the back of the new felt trim.

Section 5: Attaching the New Felt Trim
1. Position the new felt trim in place, making sure that it aligns with the other side of the cab door.
2. Press down firmly on the new felt trim to ensure that it sticks to the adhesive.
3. Wait for a few minutes to allow the adhesive to set before moving the cab door.

Section 6: Testing the New Felt Trim
1. Open and close the wind-up window to ensure that the new felt trim moves smoothly along with it.
2. Check that there are no gaps or spaces between the window and the felt trim.

Conclusion:
In this lesson, we learned how to replace the felt trim on our Volkswagen Kombi or Beetle. We covered the importance of the felt trim, the tools and materials needed, and the steps involved in attaching the new felt trim. By following these instructions, we can ensure that our car's interior looks clean and polished. Remember to test the new felt trim after attaching it to ensure that it moves smoothly and there are no gaps or spaces.


text: Research on Product Platform Innovation and Evolution Based on Lifecycle. Date2010. Author. Hou, Liang. Wang, Haolun. Liu, Yuyi. 侯亮. Abstract. To enhance the ability of product platform innovation and upgrading under Mass Customization (MC) environment, the concept of Product Platform Life Cycle (PPLC) was put forward. The innovation and evolving process and the characters of PPLC were analyzed. The Stability of the platform and its disturbance factors were discussed. A model which describes the process of product platform innovation and evolution was proposed Then disturbance factors affecting product platform stability and platform innovation process were discussed.

textbook:
Lesson: Introduction to Product Platform Innovation and Evolution Based on Lifecycle

## Section 1: Theoretical Concepts

**Product Platform Innovation and Evolution:** Product platform innovation refers to the process of creating new products or improving existing ones by modifying their platforms. This can involve changes to the design, materials, manufacturing processes, or other aspects of the product. Product platform evolution is the process of updating and improving a product platform over time to keep up with changing market demands and technological advancements.

**Product Platform Life Cycle (PPLC):** The product platform life cycle is a model that describes the stages a product platform goes through during its lifetime. These stages include introduction, growth, maturity, and decline. During each stage, the platform undergoes different levels of innovation and evolution to meet changing market needs and stay competitive.

## Section 2: Practical Examples

**Example 1:** Let's consider a car manufacturer that produces a popular sedan model. As the market demand for fuel-efficient vehicles grows, the company decides to introduce a hybrid version of the sedan. This is an example of product platform innovation, as the company is modifying the existing platform to create a new product that meets changing market demands.

**Example 2:** Over time, the company may continue to evolve the platform of the hybrid sedan to improve its performance, efficiency, and features. This is an example of product platform evolution, as the company is updating the platform to keep up with changing market demands and technological advancements.

## Section 3: Self-Debating Discussions

**Debate Topic:** Should companies invest more resources in product platform innovation and evolution or focus on developing new products from scratch?

**Argument for Investment in Innovation and Evolution:** By investing in product platform innovation and evolution, companies can improve their existing products and maintain their competitive edge in the market. This can lead to higher customer satisfaction and loyalty, as well as increased revenue and profitability. Additionally, it can be more cost-effective to update an existing platform than to develop a completely new one.

**Argument against Investment in Innovation and Evolution:** On the other hand, companies may argue that investing in product platform innovation and evolution can limit their ability to create truly unique and innovative products. By focusing on evolving existing platforms, they may miss out on opportunities to disrupt the market with entirely new products and technologies.

## Glossary

**Product Platform:** A set of products that share common components, technologies, or designs.

**Product Platform Innovation:** The process of creating new products or improving existing ones by modifying their platforms.

**Product Platform Evolution:** The process of updating and improving a product platform over time to keep up with changing market demands and technological advancements.

**Product Platform Life Cycle (PPLC):** A model that describes the stages a product platform goes through during its lifetime, including introduction, growth, maturity, and decline.

## Conclusion

In conclusion, product platform innovation and evolution based on lifecycle is an essential strategy for companies to stay competitive in the market. By understanding the PPLC and investing in product platform innovation and evolution, companies can improve their existing products, meet changing market needs, and maintain their competitive edge.


text: Nowadays, in times of international business each minute maters. Progressively people do not hire employees to work in their offices, they like to employ freelancers. The freelancers have to finish the task in specific time limit and usually they should cooperate with other freelancers or people from normal offices. Those are the explanation why there is much time tracking software accessible on the market.. Continue reading “Software for company” »

textbook:
Lesson: Introduction to Time Tracking Software

## Section 1: Theoretical Concepts
Time tracking software is a tool used by individuals or companies to monitor the amount of time spent on a particular task. It helps in calculating the time spent on each project, assigning tasks to team members, and monitoring the progress of a project.

## Section 2: Questions and Answers
**Question:** What is time tracking software?
**Answer:** Time tracking software is a tool that helps individuals or companies to monitor the amount of time spent on a particular task.

**Question:** Why is time tracking software important?
**Answer:** Time tracking software is important because it helps in calculating the time spent on each project, assigning tasks to team members, and monitoring the progress of a project.

## Section 3: Definitions of Purpose
The purpose of time tracking software is to help individuals or companies to track the amount of time spent on a particular task. It also helps in assigning tasks to team members and monitoring the progress of a project.

## Section 4: Practical Examples Using Mathematical Abstractions and Real-World Scenarios
Let's say you are working on a project that requires you to spend 20 hours a week on it. You use time tracking software to monitor the amount of time you spend on the project each day. After two weeks, you have spent a total of 80 hours on the project.

## Section 5: Increasing Difficulty Level
Let's say you are working on a project that requires you to spend 30 hours a week on it. You use time tracking software to monitor the amount of time you spend on the project each day. After four weeks, you have spent a total of 120 hours on the project.

## Glossary
- Time tracking software: A tool used to monitor the amount of time spent on a particular task.
- Task: A piece of work that is assigned to be done.
- Team member: An individual who is part of a team.
- Progress: The movement towards a goal or an improvement.

## Conclusion
Time tracking software is an essential tool for individuals or companies who want to monitor the amount of time spent on a particular task. It helps in assigning tasks to team members and monitoring the progress of a project. By using time tracking software, you can improve your productivity and efficiency in completing your projects.


text: The Forest Folk - Diversity SetRegular price £19.50. This beautiful trio of 6.5cm pegs includes, from left to right, FSC walnut, oak and beech.. What a wonderful way to celebrate diversity and champion representation during play.. This set comes stamped with the Forest Folk logo on their feet, conditioned and the sealed using toy safe wood butter and sealant.. All Forest Folk peg dolls are CE certified by an independent laboratory, and are not suitable for children under 12 months old.. Our treated wood parts are water resistant, not waterproof, and so can be cleaned with a damp cloth but not submerged in water. This includes mouthing.

textbook:
Lesson: Understanding Diversity and Inclusion in the Classroom

Introduction:
Diversity and inclusion are important concepts that we need to teach our students from a young age. In this lesson, we will explore what these terms mean, why they are important, and how we can promote them in the classroom.

Section 1: What is Diversity and Inclusion?
Diversity refers to the variety of differences among individuals in the classroom, such as race, ethnicity, gender, religion, culture, and abilities. Inclusion, on the other hand, means creating an environment where all students feel valued, respected, and supported, regardless of their differences.

Why is Diversity and Inclusion Important?
- Promotes a sense of belonging: When students see themselves reflected in the curriculum and classroom materials, they are more likely to feel like they belong.
- Enhances learning: Students who feel included and valued are more likely to engage in the learning process and ask questions.
- Prepares students for the real world: In today's globalized society, students will encounter people from diverse backgrounds. By promoting diversity and inclusion, we are preparing them to work collaboratively and empathetically.

Section 2: How can we Promote Diversity and Inclusion in the Classroom?
- Use diverse books and resources: Incorporate books that feature diverse characters and stories into your reading curriculum. Use resources that represent different cultures and perspectives.
- Create a safe and welcoming environment: Establish classroom rules that promote respect and kindness towards all students. Encourage open communication and active listening.
- Highlight diverse holidays and celebrations: Celebrate holidays and traditions from different cultures throughout the year. This will help students understand and appreciate the customs of others.
- Encourage collaboration: Assign group projects that require students to work together and learn from each other's perspectives.

Section 3: Practical Examples
Let's say you are teaching a lesson on the history of civil rights in America. You could use the following activities to promote diversity and inclusion:

- Have students research and present on different civil rights leaders from different backgrounds.
- Discuss the impact of intersectionality (the idea that different forms of discrimination can interact and compound) on the civil rights movement.
- Have students create a timeline of significant events in the civil rights movement, including both well-known and lesser-known figures.

Glossary:
- Diversity: Variety of differences among individuals
- Inclusion: Creating an environment where all students feel valued, respected, and supported

Conclusion:
By promoting diversity and inclusion in the classroom, we are preparing our students to be global citizens who can work collaboratively and empathetically. We are also creating a safe and welcoming environment where all students can thrive. Remember, diversity and inclusion are not just buzzwords; they are essential components of a successful classroom.


text: Craig E. Bryan. Clinical Professor. Degree. B.A., University of Iowa. Office. OEC 119D. Phone. (651) 962-5256. Toll Free. (800) 328-6819, Ext. 2-5256. Mail 5013. University of St. Thomas. 2115 Summit Avenue. St. Paul, MN 55105. University of St. Thomas. 2115 Summit Avenue. St. Paul, MN 55105. Social. Professional experience:. Strategic leader of marketing, HomeStyles in St. Paul; vice president and account supervisor, Kamstra Communications in St. Paul; vice president and account supervisor, Owens & Associates in Phoenix; account supervisor, BBDO in Minneapolis, account executive and account supervisor, DMB&B in Minneapolis; account executive, Campbell Mithun in Minneapolis; account executive, Tatham-Laird & Kudner in Chicago; assistant account executive, Bozell & Jacobs in Minneapolis; media planner and buyer, Benton & Bowles, New York.. At UST:. Professor Bryan joined UST in 2007. He serves as co-advisor to the Ad Club and National Student Advertising Competition, and is the advertising advisor for TommieMedia.com.

textbook:
Lesson: How to Read and Understand a Resume

Introduction:
A resume is a document that summarizes a person's education, work experience, skills, and achievements. It is an essential tool for job seekers as it provides potential employers with information about the candidate's qualifications and suitability for the job. In this lesson, we will learn how to read and understand a resume by analyzing its different sections, formatting, and content.

Section 1: Education
The education section of a resume typically includes the name of the institution, location, degree earned, and graduation date. It may also include any academic honors, awards, or relevant coursework. When reading this section, look for:

- The name of the institution and its location
- The degree earned and graduation date
- Any academic honors, awards, or relevant coursework

Section 2: Work Experience
The work experience section of a resume lists the candidate's previous jobs, job titles, employers, and dates of employment. It may also include a list of responsibilities, accomplishments, or achievements. When reading this section, look for:

- The job title and employer
- The dates of employment
- A list of responsibilities, accomplishments, or achievements

Section 3: Skills
The skills section of a resume lists the candidate's proficiency in various areas such as computer software, languages, or other technical abilities. When reading this section, look for:

- The specific software or language listed
- The level of proficiency (e.g., beginner, intermediate, advanced)

Section 4: Achievements
The achievements section of a resume highlights the candidate's accomplishments in their previous roles. It may include metrics such as revenue growth, cost reduction, or customer satisfaction rates. When reading this section, look for:

- Specific accomplishments or achievements
- Quantifiable metrics or results

Conclusion:
By understanding the different sections of a resume and what information to look for, you can effectively evaluate a candidate's qualifications and suitability for a job. This skill is valuable for job seekers, recruiters, and hiring managers alike.

Glossary:
- Resume: A document summarizing a person's education, work experience, skills, and achievements.
- Qualifications: The knowledge, skills, and abilities required to perform a job.
- Suitability: The quality of being appropriate or fitting for a particular purpose or situation.


text: How’s your financial wellbeing?. Take two minutes to check your financial health and learn how to improve it.. Speak to your financial wellbeing advisor. Whether you have something specific in mind or just want a quick chat about your finances, our financial wellbeing advisors are there to help.. Financial Wellbeing Support Centre. Looking to plan for life after retirement? Wondering whether you should save or invest? Our articles, tool and calculators, can help you get the answers.. Common Questions about Financial Wellbeing. Bank of Ireland is regulated by the Central Bank of Ireland.

textbook:
Lesson: Introduction to Personal Finance
## Section 1: What is Personal Finance?
Personal finance refers to the way individuals manage their money. It involves budgeting, saving, investing, and planning for the future. This includes managing expenses, debts, and assets. Personal finance is an essential skill that helps individuals achieve financial stability and security.
### Questions and Answers:
Q: Why is personal finance important?
A: Personal finance is important because it helps individuals make informed decisions about their money. It enables them to live within their means, save for the future, and avoid debt. Good personal finance management can lead to financial independence and security.
## Section 2: Budgeting and Saving
Budgeting involves planning and controlling your income and expenses. A budget helps you to stay on track with your financial goals and avoid overspending. Saving involves setting aside a portion of your income for the future. This could include saving for emergencies, retirement, or other long-term goals.
### Questions and Answers:
Q: How do I create a budget?
A: Creating a budget involves listing all your income and expenses and comparing the two. You can use a budgeting app or spreadsheet to track your spending and ensure that you are living within your means.
Q: How much should I save each month?
A: The amount you should save each month depends on your financial goals and lifestyle. A good rule of thumb is to save at least 20% of your income. However, this may vary depending on your circumstances.
## Section 3: Investing
Investing involves putting your money into assets such as stocks, bonds, or real estate to grow your wealth over time. Investing can be a great way to achieve long-term financial goals such as buying a house or funding your retirement.
### Questions and Answers:
Q: What is the difference between saving and investing?
A: Saving involves setting aside money for short-term goals and emergencies, while investing involves putting your money into assets to grow your wealth over time. Investing typically comes with higher risks but also higher rewards than saving.
Q: How do I start investing?
A: To start investing, you need to research and choose the right investment options for your needs. This could involve speaking with a financial advisor or doing your own research. You should also consider factors such as risk tolerance, investment time horizon, and fees.
## Glossary:
- Budgeting: the process of planning and controlling your income and expenses
- Savings: the act of setting aside money for the future
- Investing: the act of putting your money into assets to grow your wealth over time
## Conclusion:
Personal finance is an essential skill that can help individuals achieve financial stability and security. By understanding the basics of budgeting, saving, and investing, individuals can make informed decisions about their money and work towards their financial goals.


text: Leegan's Garage is categorized under in Hurricane Mills, Tennessee .. Leegan's Garage Leegan's Garage at the coordinates 35.85753,-87.80795, or at their street address of 243 Leegan Lane in TN 37078, United States.. To speak to a representative, call (931) 296-4620 Full Phone Report and address inquiries to William Leegan, Owner Full Name Report. Alternatively, this business can also be followed and interacted with through the social media platforms Twitter and Facebook . Leegan's Garage’s website can be found at .

textbook:
Lesson: How to Find Information about a Business

### Section 1: Introduction
In today's digital age, it is essential to know how to find information about a business. This lesson will teach you how to use different resources to gather information about a business, such as its location, phone number, website, and social media accounts. You will also learn how to use online directories and search engines to locate a business and its contact details.

### Section 2: Finding Information about a Business
To find information about a business, you can use the following resources:

1. Online Directories: Online directories such as Yellow Pages, White Pages, and Google My Business provide information about businesses, including their location, phone number, website, and hours of operation. You can use these directories to locate a business and get its contact details.

2. Search Engines: Search engines like Google, Bing, and Yahoo allow you to search for businesses by name, location, or category. You can use keywords such as "business name" + "location" to find information about a specific business.

3. Social Media: Social media platforms such as Facebook, Twitter, and Instagram provide information about businesses, including their products, services, and events. You can use these platforms to follow a business and stay updated on its activities.

4. Business Websites: Business websites provide information about their products, services, and locations. You can use the website's search function to find the information you need.

### Section 3: Practical Examples
Let's say you want to find information about Leegan's Garage in Hurricane Mills, Tennessee. Here's how you can do it:

1. Go to a search engine and type "Leegan's Garage" + "Hurricane Mills" + "Tennessee". This will give you the business's location and state.

2. Click on the first result, which should be the business's website. Look for the "Contact Us" page, which should provide the business's phone number and email address.

3. Use an online directory such as Yellow Pages or Google My Business to confirm the business's location, phone number, and hours of operation.

4. Check the business's social media accounts on Facebook and Twitter to see what products and services they offer and what events they are hosting.

### Section 4: Conclusion
In conclusion, finding information about a business is essential for various purposes, such as customer service, market research, and competitor analysis. By using online directories, search engines, and social media, you can gather valuable information about a business, such as its location, phone number, website, and social media accounts. Remember to use practical examples to apply the concepts learned in this lesson.


text:
Evolutionary history and genetic parallelism affect correlated responses to evolution.
We investigated the relationship between genomic and phenotypic evolution among replicate populations of Escherichia coli evolved for 1000 generations in four different environments. By resequencing evolved genomes, we identified parallel changes in genes encoding transcription regulators within and between environments. Depending on both the environment and the altered gene, genetic parallelism at the gene level involved mutations that affected identical codons, protein domains or were widely distributed across the gene. Evolved clones were characterized by parallel phenotypic changes in their respective evolution environments but also in the three alternative environments. Phenotypic parallelism was high for clones that evolved in the same environment, even in the absence of genetic parallelism. By contrast, clones that evolved in different environments revealed a higher parallelism in correlated responses when they shared mutated genes. Altogether, this work shows that after an environmental change or the colonization of a new habitat, similar ecological performance might be expected from individuals that share mutated genes or that experienced similar past selective pressures.

source: minipile

textbook:
Lesson: Understanding Evolutionary History and Genetic Parallelism

**Introduction:**

Evolution is the process by which populations of living organisms change over time. It is driven by the natural selection of traits that help organisms survive and reproduce. In this lesson, we will explore the concepts of evolutionary history and genetic parallelism and how they affect correlated responses to evolution.

**Main Topic:**

1. Evolutionary History

Evolutionary history refers to the study of how species change over time. This can involve looking at the fossil record, comparing the DNA of different species, or studying the behavior of living organisms. By understanding the evolutionary history of a species, scientists can better understand how it has adapted to its environment and how it may continue to evolve in the future.

2. Genetic Parallelism

Genetic parallelism refers to the idea that changes in one part of the genome can lead to changes in other parts of the genome. This can happen because genes are often organized into groups called operons, which are controlled by the same set of regulatory proteins. When a mutation occurs in one of these regulatory proteins, it can affect the expression of multiple genes at once.

**Sub-Topic:**

Genomic and Phenotypic Evolution

Genomic and phenotypic evolution are two ways in which populations of living organisms can change over time. Genomic evolution involves changes in the DNA sequence of an organism, while phenotypic evolution involves changes in the physical characteristics of an organism. These changes can occur through natural selection, genetic drift, or mutation.

**Theoretical Concepts:**

- Natural selection: The process by which certain traits become more common in a population over time because they give individuals with those traits a better chance at survival and reproduction.
- Genetic drift: A random change in the frequency of alleles in a population due to chance events.
- Mutation: A change in the DNA sequence of an organism that can result in a new trait.

**Practical Examples:**

- A population of bacteria evolves to be resistant to antibiotics. Over time, the frequency of antibiotic-resistant bacteria increases in the population, while the frequency of non-resistant bacteria decreases.
- A population of birds evolves to have longer beaks. Over time, the frequency of birds with longer beaks increases in the population, while the frequency of birds with shorter beaks decreases.

**Questions and Answers:**

Q: What is the difference between genomic and phenotypic evolution?
A: Genomic evolution involves changes in the DNA sequence of an organism, while phenotypic evolution involves changes in the physical characteristics of an organism.

Q: How does genetic parallelism affect correlated responses to evolution?
A: Genetic parallelism can lead to correlated responses to evolution because changes in one part of the genome can affect other parts of the genome. This can result in the evolution of similar traits in different populations that have experienced different selective pressures.

**Definitions of Purpose:**

- Operon: A group of functionally related genes that are transcribed together into a single mRNA molecule.
- Regulatory protein: A protein that controls the expression of other genes by binding to specific DNA sequences.
- Mutation: A change in the DNA sequence of an organism that can result in a new trait.

**Practical Examples:**

- A population of bacteria evolves to be resistant to antibiotics. Over time, the frequency of antibiotic-resistant bacteria increases in the population, while the frequency of non-resistant bacteria decreases.
- A population of birds evolves to have longer beaks. Over time, the frequency of birds with longer beaks increases in the population, while the frequency of birds with shorter beaks decreases.

**Conclusion:**

In conclusion, understanding the concepts of evolutionary history and genetic parallelism can help us better understand how species change over time and how they may continue to evolve in the future. By studying these concepts, we can gain a deeper appreciation for the complexity of life on Earth and the processes that shape it.


text: - About Awnings. - Products and the premier finish choice for all metal products as it is. Finally, several powder colors can be applied before curing them all together, allowing color blending and bleed special effects in a single layer.. With our state of the art 25' powder coat spray booth & oven Coastal Powder Coat can transform your metal products into a long lasting durable finish available in one of our stock colors which include Black, White, Silver, and Bronze or for a minimal additional cost we can custom color your project into any color imaginable.. Let your company colors demand attention on the façade of your building with a Coastal Canvas Products metal canopy or awning powder coated with your company or school colors. We find it difficult to answer the question of why not choose this premier finish for your metal project?. Powder Coat Information (2026 KB)

textbook:
## Lesson: Introduction to Powder Coating
### Section 1: What is Powder Coating?
Powder coating is a type of coating that is applied to materials such as metals, plastics, and glass. It is a durable and long-lasting finish that is used to protect and enhance the appearance of these materials. Powder coating is typically applied using an electrostatic process where a powdered pigment and resin are applied to the surface of the material. Once applied, the powder is cured under heat or ultraviolet light, creating a strong and durable finish.
### Section 2: Why Use Powder Coating?
Powder coating offers several advantages over other types of coatings. First, it is a highly durable finish that can withstand wear and tear, making it ideal for use in harsh environments. Second, powder coating is resistant to fading, chipping, and peeling, ensuring that the finish will look great for years to come. Finally, powder coating is available in a wide range of colors and finishes, allowing you to create a custom look for your project.
### Section 3: How Does Powder Coating Work?
Powder coating works by applying a thin layer of powdered pigment and resin to the surface of the material. This is typically done using an electrostatic process, where the powder is attracted to the surface of the material using an electric charge. Once the powder is applied, it is cured under heat or ultraviolet light, creating a strong and durable finish.
### Section 4: Applications of Powder Coating
Powder coating is used in a variety of applications, including automotive, aerospace, and industrial equipment. It is also commonly used in the manufacture of consumer goods such as appliances, electronics, and toys. Powder coating is a versatile finish that can be used to create a wide range of looks, from matte and flat to glossy and shiny.
### Section 5: Conclusion
Powder coating is a versatile and durable finish that offers several advantages over other types of coatings. Whether you are looking for a custom look or a long-lasting finish, powder coating is an excellent choice for your project. By understanding the basics of powder coating, you can make an informed decision about whether it is the right choice for your needs.


text: The ISCTE-IUL ACM Student Chapter participated in the CISTI 2017, the largest conference in Portuguese and Spanish in the field of Information Technology and Information Systems.. In fact, the student chapter had a stand in the conference place, where Joao Aparicio, Joao Sequeira, Andre Pereira and Antonio Teixeira represented the ACM Student chapter.. ACM student chapter members had a significant scientific participation. In fact, Fernando Bento, Martinha Piteira, Joao Papricio, Catarina Santos, Sofia Aparicio and Hugo Araujo co-authored several papers presented at the conference. Fernando Bento, Martinha Piteira, Catariana Santos and Hugo Araujo presented papers at the conference.

textbook:
Lesson: How to Participate in a Conference

## Introduction

Participating in a conference is an excellent opportunity to learn about the latest research and developments in your field, network with professionals, and share your own ideas. In this lesson, we will explore the steps involved in participating in a conference, from submitting a proposal to presenting your work and engaging with other attendees.

## Step 1: Submitting a Proposal

The first step in participating in a conference is to submit a proposal. This may involve submitting an abstract or full paper, depending on the conference requirements. When submitting a proposal, make sure to follow the guidelines provided by the conference organizers and ensure that your submission is well-written and clearly communicates your research question, methodology, and findings.

## Step 2: Preparing for the Conference

Once your proposal has been accepted, you will need to prepare for the conference. This may involve creating a presentation, preparing handouts or other materials, and booking travel and accommodation arrangements. It is also a good idea to review the conference program and identify sessions or speakers that you would like to attend.

## Step 3: Attending the Conference

On the day of the conference, arrive early to set up your presentation and familiarize yourself with the layout of the room. During the conference, actively listen to the presentations, take notes, and ask questions. Engage with other attendees by introducing yourself, exchanging business cards, and discussing your research.

## Step 4: Presenting Your Work

When it is time to present your work, make sure to speak clearly and confidently, using visual aids such as slides or posters to enhance your message. Be sure to leave time for questions and discussion, and be prepared to defend your research and respond to feedback from your peers.

## Step 5: Reflecting on the Experience

After the conference, take some time to reflect on your experience. What did you learn from attending the conference? What feedback did you receive on your presentation? How can you apply what you learned to your future research or professional development?

## Conclusion

Participating in a conference can be a valuable experience for both personal and professional growth. By following these steps, you can effectively prepare for and participate in a conference, making the most of this opportunity to learn, network, and share your ideas.


text:
The Quantum Electric Generator system (QEG)

QEG SYSTEM DESCRIPTION

3-25-2014
The Quantum Electric Generator system (QEG) is an adaptation of one of Nikola Tesla’s many patented electrical generator / dynamo / alternator designs. The particular patent referenced is No. 511,916,titled simply “Electric Generator”, and dated January 2, 1894 (see back of this manual).The adaptation is a conversion from a linear system, to a rotary system.

The QEG prototype is scaled to produce electrical power in the range of 10-15 kW (kilowatts) continuously, and can be set upto provide either 120 Volt or 230-240 Volt single phase output. We are also planning future designs to provide 3-phase power.

Service life of the device is limited only by certain replaceable components, such as bearings, v-belts, and capacitors. The basic machine should operate troubl-free (with minimal maintenance) for as long as any good quality electro-mechanical appliance, such as a quality washingmachine or refrigerator. Heavy-duty mechanical components are used throughout for reliability.

The QEG is not a complicated device, as it is designed (like Tesla’s other ‘discoveries’), to work in harmony with natural laws, rather than with the power-wasting symmetric motor and generator designs used in today’s mainstream industry.

Share this:

Like this:

LikeLoading...

Related

This entry was posted on March 26, 2014 at 10:02 pm and is filed under Technology. You can follow any responses to this entry through the RSS 2.0 feed.
You can leave a response, or trackback from your own site.

textbook:
Lesson Title: Understanding the Quantum Electric Generator System (QEG)

Overview:
In this lesson, we will explore the Quantum Electric Generator system (QEG), an adaptation of Nikola Tesla's many patented electrical generator designs. We will learn about the system's design, working principles, and applications in various fields.

Objectives:
By the end of this lesson, students will be able to:
- Describe the key features of the QEG system.
- Explain the working principles of the QEG system.
- Apply the knowledge gained from this lesson to analyze real-world scenarios involving electrical generators.

Section 1: Introduction to the QEG System

What is the QEG System?
The Quantum Electric Generator (QEG) system is an adaptation of one of Nikola Tesla's many patented electrical generator designs. It is a rotary system that produces electrical power in the range of 10-15 kW continuously and can be set to provide either 120 Volt or 230-240 Volt single-phase output.

Why is the QEG System important?
The QEG system is significant because it provides an alternative source of energy that can be used in various applications, including homes, businesses, and industries. It is also environmentally friendly, as it does not emit greenhouse gases like fossil fuel-based energy sources.

Section 2: Design of the QEG System

What are the key features of the QEG System?
The QEG system has several key features, including:
- A rotary system instead of a linear system
- Scalability to produce electrical power in the range of 10-15 kW continuously
- Ability to provide either 120 Volt or 230-240 Volt single-phase output
- Use of replaceable components such as bearings, v-belts, and capacitors

Section 3: Working Principles of the QEG System

How does the QEG System work?
The QEG system works by converting mechanical energy into electrical energy through the use of electromagnetic induction. This process involves the rotation of a magnet within a coil of wire, which generates an electric current. The generated electricity can then be used to power various devices.

What are the working principles of the QEG System?
The working principles of the QEG system are based on the following concepts:
- Electromagnetic induction: The process by which a current is produced in a wire coil due to the movement of a magnet within it.
- Electromechanical energy conversion: The process by which mechanical energy is converted into electrical energy through the use of electromagnetic induction.
- Electrical power generation: The process by which electrical energy is generated through the use of electromagnetic induction.

Section 4: Applications of the QEG System

What are the applications of the QEG System?
The QEG system has various applications in different fields, including:
- Residential use: The QEG system can be used to power homes, providing an alternative source of energy that is renewable and environmentally friendly.
- Commercial use: The QEG system can be used in businesses to reduce energy costs and promote sustainability.
- Industrial use: The QEG system can be used in industries to power machinery and reduce reliance on fossil fuels.

Section 5: Conclusion

In conclusion, the QEG system is an adaptation of one of Nikola Tesla's many patented electrical generator designs. It is a scalable, environmentally friendly, and versatile source of energy that can be used in various applications. By understanding the design, working principles, and applications of the QEG system, we can apply this knowledge to analyze real-world scenarios involving electrical generators.

Glossary:
- Electromagnetic induction: The process by which a current is produced in a wire coil due to the movement of a magnet within it.
- Electromechanical energy conversion: The process by which mechanical energy is converted into electrical energy through the use of electromagnetic induction.
- Electrical power generation: The process by which electrical energy is generated through the use of electromagnetic induction.

Self-Debate Discussion:
- How might the QEG system impact the world if it were widely adopted?
- What are some potential challenges associated with implementing the QEG system on a large scale?
- How might the QEG system be improved to make it more efficient and effective?


text: Dynamics GP Transaction Removal Series: Receivables. This is part 1 of a 3 part series on Dynamics GP Transaction Removal. These quick tips will hopefully streamline your process when it comes to removing old or reconciled transactions in Dynamics GP.. This post covers issues with posting or voiding documents in Receivables.. If your Customer Statements, including old transactions, no longer need to be displayed, you can simply run ‘Paid Transaction Removal’ routinely following these three steps.. Sales -> Routines -> Paid Transaction Removal.. This will keep your open tables smaller and will allow processes to run faster.. Questions?. Don’t hesitate to reach out to us! We have a team of experts ready to assist you and answer your questions.

textbook:
Lesson: Dynamics GP Transaction Removal Series: Receivables
Introduction:
In this lesson, we will learn about the Dynamics GP Transaction Removal Series: Receivables. We will cover the issues with posting or voiding documents in Receivables and how to remove old or reconciled transactions using the 'Paid Transaction Removal' routine.
Objective:
By the end of this lesson, students will be able to:
- Explain the issues with posting or voiding documents in Receivables
- Describe the three steps to remove old or reconciled transactions in Dynamics GP using the 'Paid Transaction Removal' routine
- Identify the benefits of removing old or reconciled transactions in Dynamics GP
Section 1: Issues with Posting or Voiding Documents in Receivables
Question: What are some issues that can occur when posting or voiding documents in Receivables?
Answer: Some issues that can occur when posting or voiding documents in Receivables include:
- Incorrect amounts being posted or voided
- Transactions being posted to the wrong customer or account
- Transactions being posted to closed periods
Section 2: Removing Old or Reconciled Transactions Using the 'Paid Transaction Removal' Routine
Question: How can we remove old or reconciled transactions in Dynamics GP?
Answer: To remove old or reconciled transactions in Dynamics GP, we can use the 'Paid Transaction Removal' routine. Here are the three steps to follow:
1. Go to Sales -> Routines -> Paid Transaction Removal
2. Select the range of dates for which you want to remove transactions
3. Click on 'OK' to run the routine
Question: What are the benefits of removing old or reconciled transactions in Dynamics GP?
Answer: There are several benefits to removing old or reconciled transactions in Dynamics GP, including:
- Keeping your open tables smaller, which can improve the performance of other processes
- Reducing clutter in your financial records
- Simplifying reconciliation processes
Section 3: Practical Examples Using Mathematical Abstractions and Real-World Scenarios
Question: Can you provide an example of how to use the 'Paid Transaction Removal' routine in a real-world scenario?
Answer: Sure! Let's say that you have a customer who has paid off their entire balance, and you no longer want to display their old transactions on their customer statement. You can run the 'Paid Transaction Removal' routine to remove these transactions. Here's how:
1. Go to Sales -> Routines -> Paid Transaction Removal
2. Select the range of dates for which you want to remove transactions (in this case, the entire date range)
3. Click on 'OK' to run the routine
This will remove all of the paid transactions for this customer, leaving only the most recent transactions on their statement.
Conclusion:
In this lesson, we learned about the Dynamics GP Transaction Removal Series: Receivables. We covered the issues with posting or voiding documents in Receivables and how to remove old or reconciled transactions using the 'Paid Transaction Removal' routine. We also discussed the benefits of removing old or reconciled transactions in Dynamics GP. By following these steps, we can simplify our financial records and improve the performance of other processes.


text: LEWISBURG, Pa. — Thursday night, Oct. 4, at 5 p.m., horseshoe the entire distance to Washington, D.C. Runners are split up into groups, with each group assigned to run specific legs. When a group finishes, the last runner passes the horseshoe on to the next group, which is waiting at a designated switch off point.. The route follows back roads from Lewisburg through Gettysburg and Harrisburg before finishing in front of the White House lawn, where "All the brothers will gather and present a check to the Alzheimer's Association,".. "I did participate in the run last year and I had an incredible time," he said. "It was extremely rewarding to present that check in front of the White House and the fraternity grew much closer through the.

textbook:
Lesson: The Importance of Teamwork and Perseverance

Introduction:
Teamwork and perseverance are essential qualities that help us achieve our goals. In this lesson, we will learn about a relay race called the "Horseshoe Run" that demonstrates the importance of working together and not giving up.

Section 1: The Horseshoe Run
The Horseshoe Run is a relay race that takes place overnight. Runners are split into groups, and each group is assigned a specific leg of the race. The route follows back roads from Lewisburg through Gettysburg and Harrisburg before finishing in front of the White House lawn.

Question: Why do you think the runners are split into groups and assigned specific legs of the race?
Answer: It is likely that the race organizers want to ensure that each runner has a specific role to play in the success of the team. This helps to prevent conflicts and misunderstandings among the runners.

Section 2: The Importance of Teamwork
Working together as a team is essential to achieving success in the Horseshoe Run. When one runner finishes their leg, they pass the horseshoe on to the next group waiting at a designated switch off point. This shows that each member of the team must rely on one another to complete the race successfully.

Question: How does teamwork contribute to the success of the Horseshoe Run?
Answer: Teamwork allows each runner to rely on one another for support and encouragement. This creates a sense of camaraderie and unity that motivates the team to work harder and achieve their goal.

Section 3: The Importance of Perseverance
Perseverance is another essential quality that helps us achieve our goals. In the Horseshoe Run, runners must keep going even when it gets tough. They must push themselves to complete their leg of the race and pass the horseshoe on to the next group.

Question: Why is perseverance important in the Horseshoe Run?
Answer: Perseverance is important because it allows the runners to overcome obstacles and challenges along the way. It helps them to keep going even when things get tough, and ultimately, it leads to success.

Conclusion:
In conclusion, the Horseshoe Run demonstrates the importance of teamwork and perseverance. By working together and not giving up, runners can achieve their goal of completing the race successfully. We can apply these same principles to our own lives, whether we are working towards a personal goal or collaborating with others towards a common objective.

Glossary:
- Horseshoe Run: A relay race that demonstrates the importance of teamwork and perseverance.
- Teamwork: The act of working together as a team to achieve a common goal.
- Perseverance: The ability to persist in the face of challenges and obstacles.

Self-Debate Discussion:
- Think about a time when you had to work with others to achieve a common goal. What did you learn about the importance of teamwork and perseverance?
- Can you think of any examples from your own life where you had to persevere through challenges to achieve success? How did your perseverance impact your outcome?


text: - AFP / Getty Images. - Etro Spring 2010. Designer Veronica Etro is aiming for “relaxed ease” and “dressing a real woman” with alternately boyfriend-y or softly feminine styles, she wrote in her program notes.. Etro’s botanical print and signature paisley dresses virtually screamed comfort. The fun was in the boyfriend looks – such as shorts hemmed in silk that looked like boxer shorts peeking out from underneath, and loose man-cut blazers.. Fans of loose, flowy pants should look at Etro’s elegant pajama pants. We could do without the panty-shorts – something that a lot of designers have been doing this season, including Prada and Dolce & Gabbana.. The standout: a vividly and heavily embroidered jacket – and later a matching pair of shorts – would make a real entrance in any room.

textbook:
Lesson: Introduction to Fashion Design

### Section 1: Overview of Fashion Design
Fashion design is the art of applying design, aesthetics, and natural beauty to clothing and accessories. It involves creating clothing, footwear, and accessories that are functional, aesthetically pleasing, and meet the needs of society. Fashion designers work in various industries, including apparel, footwear, accessories, and home furnishings. They use their creativity and knowledge of fabrics, patterns, colors, and textures to create designs that reflect current trends and consumer preferences.

### Section 2: The Role of Fashion Designers
Fashion designers play a crucial role in the fashion industry. They are responsible for creating designs that are both functional and stylish. They work closely with manufacturers, retailers, and other professionals in the industry to ensure that their designs meet the needs of consumers. Fashion designers must have a strong understanding of fashion trends, consumer preferences, and the latest technology and materials used in the industry.

### Section 3: Types of Fashion Design
There are several types of fashion design, including ready-to-wear, haute couture, and mass market. Ready-to-wear clothing is designed for the general public and is available in department stores and other retail outlets. Haute couture clothing is custom-made for individual clients and is often made from expensive fabrics and embellishments. Mass market clothing is produced in large quantities and is sold at low prices in discount stores and other retail outlets.

### Section 4: The Design Process
The design process involves several steps, including research, sketching, selecting fabrics and materials, creating prototypes, and finalizing the design. Fashion designers must consider the target market, the latest fashion trends, and the functionality of the clothing when creating their designs. They must also work within a budget and meet deadlines.

### Section 5: Careers in Fashion Design
There are many careers in fashion design, including apparel design, footwear design, accessory design, and home furnishing design. Apparel designers create clothing, while footwear designers create shoes and other footwear. Accessory designers create items such as handbags, belts, and jewelry. Home furnishing designers create items such as curtains, bedding, and rugs.

### Section 6: Conclusion
Fashion design is an exciting and dynamic field that combines creativity, business, and technology. It offers many opportunities for those who are passionate about clothing, textiles, and design. By understanding the fundamentals of fashion design, you can develop your own unique style and contribute to the fashion industry.


text: A mentalism effect. Pendumental. "There are more things in heaven and earth, Horatio, than are dreamt of in your philosophy.". This interactive mental routine will explore that elusive 6th sense which exists just beyond the five.. Composed of three phases you will demonstrate to your spectator the ability to tap into this energy using these 6 handmade sense cards and a pendulum. Then under your direction the spectator themselves takes the pendulum and feels the energy around them and working through them as they complete the second phase. Finally, in a display of clairvoyance you both work together to bring the routine full circle.. Included are 6 handmade sense cards, velvet bag, tigers eye pendulum and complete routine and instructions.. $45 USD includes shipping in the US. International orders please contact for shipping quote.. "This is a perfect after dinner effect to carry in your bag the next time you want to create an unforgettable psychic experience!". ~ Joe Diamond. Professional Mentalist

textbook:
Lesson: Mentalism and Psychic Powers

Introduction:
Mentalism and psychic powers are fascinating topics that have captivated people for centuries. In this lesson, we will explore the basics of mentalism and psychic powers, including their history, techniques, and applications.

Section 1: History of Mentalism and Psychic Powers

Mentalism has its roots in ancient cultures, where people believed in the existence of supernatural powers and spirits. However, modern mentalism began in the late 19th century with the works of spiritualist mediums who claimed to communicate with the dead. Since then, mentalism has evolved into a popular form of entertainment, with magicians and illusionists performing mind-bending tricks and feats.

Psychic powers, on the other hand, refer to the ability to perceive information that is not available to the normal senses. This can include extra-sensory perception (ESP), telekinesis, and clairvoyance. Throughout history, many cultures have believed in the existence of psychic powers, and today, many people still believe in their ability to access these powers.

Section 2: Techniques of Mentalism and Psychic Powers

Mentalism and psychic powers rely on a combination of psychology, trickery, and showmanship. Mentalists use a variety of techniques to create the illusion of psychic powers, including cold reading, hypnosis, and sleight of hand. They also use props such as tarot cards, crystal balls, and pendulums to enhance the experience.

Psychic powers, if they exist, are still not fully understood. However, some people believe that they can develop their psychic abilities through meditation, visualization, and other spiritual practices.

Section 3: Applications of Mentalism and Psychic Powers

Mentalism and psychic powers have many applications, both in entertainment and in everyday life. In entertainment, mentalists and psychics perform on stage and in television shows, amazing audiences with their feats of mind-reading and clairvoyance. In everyday life, people may use their psychic abilities to make decisions, connect with loved ones, or solve mysteries.

Conclusion:

In conclusion, mentalism and psychic powers are fascinating subjects that have captured the imagination of people for centuries. By understanding the history, techniques, and applications of mentalism and psychic powers, we can gain a deeper appreciation for these mysterious and intriguing abilities. Whether you are interested in learning how to perform mentalism tricks or simply want to understand more about the subject, this lesson provides a solid foundation for further exploration.

Glossary:
- Mentalism: A form of entertainment that involves performing feats of mind-reading, clairvoyance, and other psychic abilities.
- Psychic powers: Abilities that allow a person to perceive information that is not available to the normal senses, such as ESP, telekinesis, and clairvoyance.
- Cold reading: A technique used by mentalists to gather information about a person without their knowledge, allowing them to make accurate predictions about their future.
- Hypnosis: A state of heightened suggestibility and concentration, during which a person may be more open to suggestion and influence.
- Sleight of hand: A set of techniques used by magicians and illusionists to manipulate objects in a way that appears invisible or impossible.
- Tarot cards: A set of cards used for divination and fortune-telling.
- Crystal ball: A ball made of glass or crystal that is used for divination and fortune-telling.
- Pendulum: A weight suspended from a string or chain, used for divination and dowsing.


text: You're supporting Tonya. Tonya needs help covering auto repair. Complete your donation. A 4% operations fee is included in each need. The Giving Wall uses that fee to support operating expenses that allow this site to live on until it's no longer needed. Thank you!. Tonya is a single mother of 3 who has been diagnosis with cancer. Recently she had to take time out of her job at MCV to better manage her health. It has been very challenging to focus solely on her health while watching my bills pile up. Navigating the healthcare system also has been a huge load. She has been relying on friends and family to get back and forth. Her car needs a few things fixed before passing inspection. Getting her car back on the road would help her household in so many ways..

textbook:
Lesson: The Importance of Giving Back

Introduction:
In this lesson, we will learn about the importance of giving back to our community and how it can make a difference in someone's life. We will explore the story of Tonya, a single mother of three who was diagnosed with cancer and had to take time off work to manage her health. We will also discuss the role of The Giving Wall in supporting operating expenses that allow this site to live on until it's no longer needed.

Core Value:
The core value of this lesson is that giving back to our community can make a significant impact on someone's life. Even small acts of kindness can go a long way in helping someone in need.

Section 1: The Story of Tonya
Tonya is a single mother of three who has been diagnosed with cancer. Recently, she had to take time off her job at MCV to better manage her health. It has been very challenging for her to focus solely on her health while watching her bills pile up. Navigating the healthcare system has also been a huge load for her. She has been relying on friends and family to get back and forth. Her car needs a few things fixed before passing inspection. Getting her car back on the road would help her household in so many ways.

Questions and Answers:
- How has Tonya's diagnosis affected her life?
- What challenges has she faced while managing her health and taking time off work?
- What are some ways people can help Tonya during this difficult time?

Section 2: The Role of The Giving Wall
The Giving Wall is an organization that supports operating expenses that allow this site to live on until it's no longer needed. The 4% operations fee included in each need helps cover these expenses. By supporting Tonya through The Giving Wall, you are helping to ensure that this site can continue to exist and support others in need.

Questions and Answers:
- What is The Giving Wall?
- What does the 4% operations fee cover?
- How does supporting Tonya through The Giving Wall help the organization?

Section 3: The Importance of Giving Back
Giving back to our community can make a significant impact on someone's life. Even small acts of kindness can go a long way in helping someone in need. By supporting Tonya through The Giving Wall, you are helping to improve her quality of life during this difficult time. Giving back also helps to create a more cohesive and compassionate community.

Questions and Answers:
- Why is it important to give back to our community?
- How can we make a difference in someone's life through giving back?
- What are some ways we can give back to our community?

Conclusion:
In conclusion, giving back to our community can make a significant impact on someone's life. By supporting Tonya through The Giving Wall, you are helping to improve her quality of life during this difficult time. We can all make a difference in someone's life by giving back in our own unique ways. Let's work together to create a more cohesive and compassionate community.

Glossary:
- Giving Wall: An organization that supports operating expenses that allow this site to live on until it's no longer needed.
- Operations Fee: A fee included in each need that covers operating expenses for The Giving Wall.
- Cancer: A disease characterized by the uncontrolled growth and spread of abnormal cells.
- Single Mother: A woman who raises her child(ren) without being married or in a civil partnership.
- Healthcare System: The organized delivery of health services within a country or region.

In summary, this lesson taught us about the importance of giving back to our community. We learned about Tonya's story and the challenges she has faced while managing her health and taking time off work. We also learned about The Giving Wall and its role in supporting operating expenses that allow this site to live on until it's no longer needed. Finally, we explored the importance of giving back and how it can make a significant impact on someone's life.


text: This odd looking model was developed based on an example in New Scientist magazine, 5th Jan 2008 "While Others Lock Carbon Away for Years". What the model says is that new strains of wheat and other crops can create a strong amplifying effect on the ability of the plant to create plantstones. They are therefore a potentially important solution to countering CO2 omissions.. Plantstones are created by the plant growing and consuming minerals. Plantstones remain in the soil even after the plant decays. Thus, carbon can be stored in the plant (when it is alive) and afterwards (when it is dead) by virtue of the plantstones it leaves behind. Get this right, and the counteracting effect on greenhouse gases is strong.. Plantstones form as microscopic grains of silican in plant leaves, particularly in grass-based pastures and crops such as sugar cane and wheat. This is refered to as phytolith occluded carbon

textbook:
Lesson Title: Understanding Phytolith Occluded Carbon

Introduction:
Phytolith occluded carbon is a term used to describe the process by which plants store carbon in their leaves in the form of microscopic grains of silicon dioxide. This process has been identified as a potential solution to counteracting greenhouse gas emissions caused by human activities. In this lesson, we will explore the concept of phytolith occluded carbon, its benefits, and how it can be used to mitigate climate change.

Core Value:
The core value of this lesson is to understand the concept of phytolith occluded carbon and its potential as a solution to counteracting greenhouse gas emissions.

Section 1: Theoretical Concepts

Topic 1: What are Phytoliths?
Phytoliths are microscopic grains of silicon dioxide that are found in plant tissues, particularly in grass-based pastures and crops such as sugarcane and wheat. They are formed when silica is deposited in plant cells.

Topic 2: What is Carbon Occlusion?
Carbon occlusion refers to the process by which carbon is stored in the form of phytoliths. When plants absorb carbon dioxide from the atmosphere, some of it is converted into organic matter and stored in the plant's tissues. When the plant dies, the organic matter decomposes, but the phytoliths remain in the soil. This means that the carbon remains locked away for a long time, reducing the amount of carbon dioxide in the atmosphere.

Topic 3: How does Phytolith Occluded Carbon Mitigate Climate Change?
Phytolith occluded carbon is a natural process that helps to reduce the amount of carbon dioxide in the atmosphere. By storing carbon in the form of phytoliths, plants can help to counteract the effects of greenhouse gases and mitigate climate change.

Section 2: Practical Examples

Topic 4: Example of Phytolith Occluded Carbon in Action
One example of phytolith occluded carbon in action is the use of grass-based pastures and crops such as sugarcane and wheat. These plants are known to produce large amounts of phytoliths, which can store significant amounts of carbon. For example, a study conducted in Australia found that sugarcane fields had up to 10 times more phytoliths than other types of crops.

Topic 5: Calculating the Amount of Carbon Stored in Phytoliths
To calculate the amount of carbon stored in phytoliths, we need to know the mass of the phytoliths and the carbon content of the phytoliths. The mass of the phytoliths can be determined by measuring the volume of the phytoliths and multiplying it by their density. The carbon content of the phytoliths can be determined by analyzing the chemical composition of the phytoliths. Once we have these values, we can calculate the amount of carbon stored in the phytoliths.

Section 3: Real-World Scenarios

Topic 6: How Can Phytolith Occluded Carbon be Used to Mitigate Climate Change?
Phytolith occluded carbon can be used to mitigate climate change by promoting the growth of plants that produce large amounts of phytoliths. This can be done by planting grass-based pastures and crops such as sugarcane and wheat in areas where they can thrive. Additionally, farmers can be encouraged to adopt practices that promote the growth of these plants, such as crop rotation and the use of cover crops.

Topic 7: Challenges and Limitations of Phytolith Occluded Carbon
One challenge of phytolith occluded carbon is that it may not be effective in all regions. For example, areas with low levels of rainfall may not be conducive to the growth of plants that produce large amounts of phytoliths. Additionally, the process of calculating the amount of carbon stored in phytoliths can be complex and requires specialized equipment and knowledge.

Glossary:
- Phytoliths: Microscopic grains of silicon dioxide that are found in plant tissues.
- Carbon Occlusion: The process by which carbon is stored in the form of phytoliths.
- Phytolith Occluded Carbon: The process by which carbon is stored in the form of phytoliths.
- Greenhouse Gases: Gases that trap heat in the atmosphere, contributing to global warming.
- Climate Change: Long-term changes in the Earth's climate system, including changes in temperature, precipitation patterns, and sea level.

Conclusion:
In conclusion, phytolith occluded carbon is a natural process that can help to mitigate climate change by storing carbon in the form of phytoliths. By promoting the growth of plants that produce large amounts of phytoliths, we can help to reduce the amount of carbon dioxide in the atmosphere and counteract the effects of greenhouse gases.


text: - ONTARIO MILLSFactory Store,Petites,Women's Only,Men's Only1 Mills Circle Suite 834Ontario, CA 91764mi. Women's & Men's Clothing | Find Business & Casual Clothes Near You in Ontario | Banana Republic. Banana Republic Stores in Ontario are stocked with a wide variety of modern, versatile classics—from business attire to everyday essentials. Shop women’s clothing, men’s clothing, plus shoes and accessories for iconic wardrobe classics. Banana Republic uses the finest materials and fabric innovations to infuse style with substance.. Your local Ontario Banana Republic store has hundreds of the latest new arrivals—from business casual clothing to contemporary classics. Find pants with the perfect fit and design, premium denim with endless opportunities, versatile dresses for every destination, and suits with modern tailoring and innovative fabrics.. Visit Banana Republic in Ontario.

textbook:
## Lesson: Finding Information Online
### Introduction
In today's digital age, finding information online is a crucial skill that everyone should know. Whether you are researching for a school project or looking for a new recipe to try, knowing how to navigate the internet can save you time and effort. In this lesson, we will learn how to use search engines effectively, evaluate sources, and find reliable information.
### Section 1: Using Search Engines
Search engines are powerful tools that can help you find information quickly and easily. However, not all searches are created equal. Here are some tips for using search engines effectively:
1. Use specific keywords: When searching for information, try to use specific keywords that relate to your topic. This will help you find relevant information more easily.
2. Use quotation marks: If you want to find a specific phrase or sentence, use quotation marks around it. This will help you find exactly what you are looking for.
3. Use filters: Many search engines allow you to filter your results by date, relevance, and other factors. Use these filters to refine your search and find the most relevant information.
4. Try different search engines: Different search engines have different strengths and weaknesses. Try using multiple search engines to find the best results for your topic.
### Section 2: Evaluating Sources
Once you have found information, it is essential to evaluate its reliability. Here are some tips for evaluating sources:
1. Look for authorship: Information is more reliable if it has an author who is an expert on the topic.
2. Check the source: Look for the original source of the information. If the information comes from a reputable source, it is more likely to be reliable.
3. Check for accuracy: Check the facts and figures in the information to make sure they are accurate and up-to-date.
4. Check for bias: Be aware of any potential bias in the information. Some sources may have a political or personal agenda that could affect the reliability of the information.
### Section 3: Finding Reliable Information
Finding reliable information can be challenging, but there are some strategies you can use to find the best sources.
1. Use reputable websites: Stick to websites that are known for their reliability and accuracy. These may include government websites, educational websites, and websites from well-known organizations.
2. Use databases: Many libraries and educational institutions provide access to databases that contain reliable, scholarly articles. These can be a great source of information for academic projects.
3. Ask an expert: If you are unsure about the reliability of a source, ask a librarian, teacher, or other expert for help. They can help you find reliable information on your topic.
### Conclusion
In conclusion, finding information online is a valuable skill that can help you in many different situations. By using search engines effectively, evaluating sources, and finding reliable information, you can become a savvy online researcher. Remember to use specific keywords, filters, and other tools to find the best information possible. Always evaluate the sources you find to ensure their reliability, and ask for help if you need it. With these strategies, you can become an expert at finding information online.


text: Women who had their children later in life will be happy to learn that research suggests an association between older maternal age at birth of the last child and greater odds for surviving to an unusually old age.. In the study which used Long Life Family Study data, 311 women who survived past the oldest fifth percentile of survival (according to birth cohort-matched life tables) were identified as cases, along with 151 women who died at ages younger than the top fifth percentile of survival who were identified as controls. Looking at the cases of all 462 women, the study found a significant association for older maternal age, whereby women who had their last child beyond age 33 years had twice the odds for survival to the top fifth percentile of survival for their birth cohorts compared with women who had their last child by age 29 years. More specifically, women between the ages of 33 and 37 having their last child had an odds ratio of 2.08. The odds ratio for older women was 1.92.

textbook:
Lesson: How to Survive to an Unusually Old Age

Introduction:
In this lesson, we will learn about the factors that contribute to living a long life. Specifically, we will explore the relationship between maternal age and the likelihood of surviving to an unusually old age.

Section 1: Theoretical Concepts

1.1. What is the relationship between maternal age and longevity?

According to research, there is an association between older maternal age at the time of giving birth to the last child and greater odds of surviving to an unusually old age. This means that women who have their children later in life may have a higher chance of living longer than average.

1.2. Why is maternal age important for longevity?

Maternal age can be a factor in determining how long a person will live because it is associated with certain health conditions and lifestyle choices. For example, older women are more likely to have gone through menopause, which can affect their health. Additionally, women who have children later in life may have more financial stability and access to better healthcare, which can contribute to a longer life.

Section 2: Practical Examples

2.1. How does maternal age affect longevity in real-world scenarios?

Consider two women: Woman A gave birth to her last child at 29 years old, while Woman B gave birth to her last child at 37 years old. According to the research, Woman B has twice the odds of surviving to an unusually old age compared to Woman A. This means that even small changes in maternal age can have a significant impact on longevity.

2.2. How can we apply this knowledge to our own lives?

If you are planning to have children, it may be worth considering the potential impact on your longevity. While there are many factors that contribute to a long life, including genetics and lifestyle choices, maternal age is one factor that you can control. By having children later in life, you may increase your chances of surviving to an unusually old age.

Section 3: Critical Thinking

3.1. Are there any limitations to this research?

Yes, this research only looked at women who survived past the oldest fifth percentile of survival, so it may not be generalizable to the entire population. Additionally, the study did not take into account other factors that could influence longevity, such as health conditions or lifestyle choices.

3.2. How might this research be expanded upon in the future?

Future research could look at other factors that may influence longevity, such as education level or socioeconomic status. Additionally, researchers could investigate whether the relationship between maternal age and longevity holds true for men as well.

Conclusion:

In this lesson, we learned about the relationship between maternal age and longevity. We explored the theoretical concepts behind this relationship and considered practical examples of how this knowledge can be applied in real-world scenarios. Finally, we engaged in critical thinking to consider potential limitations of the research and ways in which it could be expanded upon in the future. By understanding the factors that contribute to a long life, we can make informed decisions about our own health and wellbeing.


text:
Sale of Golden State Warriors Nearly Complete?

The San Fransisco Chronicle has sources with slightly conflicting information about how close the deal is to being completed with Larry Ellison: “Billionaire software titan Larry Ellison is close to acquiring the Warriors from the team’s current owner, Chris Cohan, sources close to the negotiations said Tuesday night. According to those sources, Ellison, CEO of Oracle Corp., outbid 24-Hour Fitness founder Mark Mastrov, among others. If the current deal is completed, Ellison would control 80 percent of the franchise, and incumbent minority owners Michael Marks, Jim Davidson, John Thompson and Fred Harman would retain their stakes. Sources vary greatly on the final price tag, ranging from those who believe Ellison will pay close to his initial bid of $315 million to others who think the price tag will top the $401 million cost, the NBA record, of the Phoenix Suns in 2004. There are sources who believe the deal was completed late Tuesday night, and others who characterized the conclusion merely as ‘imminent.’”

textbook:
Lesson: The Importance of Negotiation in Business

Introduction: In this lesson, we will learn about the importance of negotiation in business. We will explore the different stages of negotiation, the skills required for successful negotiation, and how to apply these skills in various scenarios.

Section 1: Stages of Negotiation
- Preparation: This stage involves researching the other party, understanding their interests, and identifying your own interests.
- Opening: This stage involves introducing yourself and your company, establishing a rapport with the other party, and setting the agenda for the negotiation.
- Bargaining: This stage involves making offers and counteroffers, discussing concessions, and exploring options for mutual gain.
- Closing: This stage involves reaching an agreement, documenting the terms, and establishing a plan for implementation.

Section 2: Skills Required for Successful Negotiation
- Active Listening: This skill involves paying attention to the other party's needs, concerns, and interests, and responding appropriately.
- Communication: This skill involves expressing your interests, concerns, and needs clearly and effectively.
- Problem Solving: This skill involves identifying potential solutions that meet both parties' interests.
- Creativity: This skill involves generating new ideas and approaches to overcome obstacles and find mutually beneficial solutions.

Section 3: Applying Negotiation Skills in Various Scenarios
- Buying a Car: This scenario involves negotiating the price, financing, and additional features such as warranties and accessories.
- Renting an Apartment: This scenario involves negotiating the rent, lease length, deposit, and additional amenities such as parking and storage.
- Hiring an Employee: This scenario involves negotiating salary, benefits, job responsibilities, and work schedule.

Section 4: Self-Debate Discussion
- Why is negotiation an important skill for business professionals?
- How can active listening help in successful negotiation?
- What are some common mistakes people make during negotiation?

Conclusion: In conclusion, negotiation is a crucial skill for business professionals to possess. By mastering the stages of negotiation, developing necessary skills, and applying them in various scenarios, individuals can achieve successful outcomes that benefit both parties involved.


text: Dr. Johannes Gomolka is an independent technical expert for banking applications. He has designed algorithmic trading systems and lead their implementation, mainly working as director in the field of computational finance. Usual roles included head of software development, head of research, as well as leading multicultural teams of software developers. Dr. Gomolka has several years experience working on startup board level positions. He is author of a book and articles on this topic in business informatics..

textbook:
Lesson: Introduction to Computational Finance

### Section 1: What is Computational Finance?
Computational finance is the application of computer science techniques to solve financial problems. It involves using algorithms, data structures, and programming languages to create models that can predict future financial trends, manage risk, and make investment decisions.

**Theoretical Concept:** In this section, we will introduce the concept of computational finance and explain why it is important in the financial industry. We will also discuss some of the key mathematical concepts used in computational finance, such as linear algebra, probability theory, and stochastic processes.

**Practical Example:** Let's consider a simple example of how computational finance can be applied. Suppose you are an investor who wants to buy stocks in a particular company. You could use a computational finance model to analyze historical stock prices, news articles, and other data sources to predict whether the stock price will go up or down in the future. This information can help you make a more informed decision about when to buy or sell the stock.

**Questions and Answers:**

**Question:** What is computational finance?
**Answer:** Computational finance is the application of computer science techniques to solve financial problems.

**Question:** Why is computational finance important in the financial industry?
**Answer:** Computational finance is important because it allows financial professionals to make more accurate predictions about future financial trends, manage risk, and make better investment decisions.

**Question:** What are some of the key mathematical concepts used in computational finance?
**Answer:** Some of the key mathematical concepts used in computational finance include linear algebra, probability theory, and stochastic processes.

### Section 2: Building Financial Models
In this section, we will discuss how to build financial models using computational finance techniques. We will cover the steps involved in creating a financial model, including data collection, preprocessing, feature engineering, and model evaluation.

**Theoretical Concept:** In this section, we will introduce the concept of building financial models using computational finance techniques. We will discuss the steps involved in creating a financial model, including data collection, preprocessing, feature engineering, and model evaluation.

**Practical Example:** Let's consider a practical example of building a financial model. Suppose you want to create a model that predicts the future price of a stock based on its historical prices, news articles, and other data sources. You would need to collect data on these variables, preprocess them to remove any noise or outliers, engineer new features that capture important relationships between the variables, and then evaluate the performance of your model using historical data.

**Questions and Answers:**

**Question:** What is the process of building a financial model using computational finance techniques?
**Answer:** The process of building a financial model using computational finance techniques typically involves data collection, preprocessing, feature engineering, and model evaluation.

**Question:** How do you preprocess data in a financial model?
**Answer:** Preprocessing data in a financial model involves cleaning the data, removing any noise or outliers, and normalizing the data to ensure that all variables are on the same scale.

**Question:** What is feature engineering in a financial model?
**Answer:** Feature engineering in a financial model involves creating new variables that capture important relationships between the existing variables. For example, you might create a variable that measures the sentiment of news articles about a particular stock.

### Section 3: Implementing Financial Models
In this section, we will discuss how to implement financial models using computational finance techniques. We will cover the steps involved in creating a financial model, including coding, testing, and deployment.

**Theoretical Concept:** In this section, we will introduce the concept of implementing financial models using computational finance techniques. We will discuss the steps involved in creating a financial model, including coding, testing, and deployment.

**Practical Example:** Let's consider a practical example of implementing a financial model. Suppose you have created a model that predicts the future price of a stock based on its historical prices, news articles, and other data sources. You would need to code your model using a programming language like Python or R, test its performance using historical data, and then deploy it to a production environment where it can be used to make real-time investment decisions.

**Questions and Answers:**

**Question:** What is the process of implementing a financial model using computational finance techniques?
**Answer:** The process of implementing a financial model using computational finance techniques typically involves coding, testing, and deployment.

**Question:** What is coding in the context of a financial model?
**Answer:** Coding in the context of a financial model refers to writing code that implements the mathematical algorithms and statistical models used in the financial model.

**Question:** What is testing in the context of a financial model?
**Answer:** Testing in the context of a financial model refers to evaluating the performance of the model using historical data to ensure that it is accurate and reliable.

### Conclusion:
In this lesson, we have introduced the concept of computational finance and discussed how it can be used to create financial models and make better investment decisions. We have covered the steps involved in building, implementing, and evaluating financial models using computational finance techniques. By understanding these concepts, students can apply them to real-world scenarios and make informed decisions about investments and risk management.