Want to get involved in our work on the wellbeing of people and the planet? Contact us. This work was reinforced with the 2015 "Seizing an Alternative" conference, bringing together nearly 2000 participants from around the world to explore process thought and ecological civilization on a range of issues such as agriculture, energy, economics, and more. From the 1972 publication of John Cobb's book Is It Too Late?: A Theology of Ecology, in conjunction with the "Alternatives to Catastrophe" conference in Claremont that same year, the Center for Process Studies was founded on and committed to putting philosophy to work toward addressing our most pressing social and environmental challenges. What We Do Ecological Civilization & SustainabilityĬurrently our fastest growing program, CPS has a long history of promoting alternative paradigms for planetary flourishing and the common good. Through innovative conferences, courses, and events, a visiting scholars program, several book series, a peer-reviewed journal, and the world’s largest library/archives of process-relational thought, CPS explores the implications of process principles across a range of disciplines and topics in science, ecology, psychology, philosophy, religion, education, art, political theory, and more. CPS seeks to harmonize fragmented disciplinary thinking in order to develop more integrated and holistic modes of thought. and David Ray Griffin to conduct cutting edge interdisciplinary research guided by the view that interconnection, change, and intrinsic value are core features of the universe. Influenced by the work of philosopher and mathematician Alfred North Whitehead (1861-1947), CPS was founded in 1973 by professors John B.
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But deep down we feel fraudulent and empty inside because we are disconnected from the person who we really are: that part of us that contains all of our feelings including our fear and vulnerability. So we mask this discomfort by becoming the captain of the football team, dominating others, being bullish, loud and perhaps even cruel. In fact, we may be so cut off from our feelings we don’t even know that they’re there at all and we feel ill-at-ease without ever know exactly knowing why. This may have led to the development of what psychologists call a “false self.” The false self is a mask to protect us from hard-to-admit feelings that are shameful, unmanly and difficult to process. How many of us heard “real boys don’t cry” from our parents as we grew up, not just once but many times over? It’s like an instruction to cut that part of ourselves off.įor some of us who grew up in this kind of culture, we found that our fear, sadness and vulnerable feelings were not acknowledged…or even allowed. We affirm so-called “masculine” traits for boys over those seen as “feminine,” such as all the different ways that a person can display sensitivity. Then we play and act with that child accordingly. ‘Is it a boy or a girl?’ is often the first question out of our mouths. So many boys grow up in families where both their assertiveness and desire for power are praised, meanwhile the same traits discouraged for girls. In fact, it’s not hard to explain why men more than women are more likely to be narcissistic. According to the researcher Emily Grijalva, assistant professor of organization and human resources at the University at Buffalo School of Management, “Narcissism is associated with various interpersonal dysfunctions, including an inability to maintain healthy long-term relationships, unethical behavior and aggression.” In other words, our narcissism could be a sign that something is deeply wrong both in our relationship with ourselves and therefore our relationship with the world. It’s an incredibly safe and solid SUV option, packed with features for making driving a car a pleasure rather than a chore. We also found it to be fairly economical with fuel for a car of it’s size. We found it to be an incredibly comfortable drive and the engine definitely had a bit of grunt when it was needed. The Audi Q3 would be a great car for me or in a family where the Mum does a lot of the driving and transporting of children. If you are a frequent road tripper you might want to go for the larger model also. The boot was a good size for general day to day activities, but for our road trip it was literally filled to bursting. He did find the Audi Q3 a little tight on leg room to be honest. He’s a good 6’2″ so the extra space provided in the Audi Q5 would be more comfortable for him. In terms of size, the Audi Q3 was perfect for me and my 2 daughters but perhaps a little on the cramped side for my husband. I think I would have got used to it had I have spent more time with the car, but in the time we had it I didn’t find it particularly beneficial for parking. I was surprised that it wasn’t a rear view camera, but instead a simulation with parking lines. The feature I didn’t really get on with at first was the Audi parking aid. The brake lights and wing mirror indicators are nothing short of sexy, as well as being great for road user visibility. We also thought the light features on the Audi Q3 are pretty slick. In the winter they are most definitely needed for a more comfortable driving experience. I’ve got to give a shout out to the heated leather seats. Not having to hover over the full beam for the whole trip made for a less stressful and safer drive all round. This was a real help to me when driving unfamiliar roads in the dark. The Audi Q3 takes care of a lot of the other aspects of driving too with automatic windscreen wipers and headlights that dip when it senses oncoming traffic or well lit areas. This was one relaxed drive to Pembrokeshire, even with a 2 and 4 year old in the back seat. My husband was in his element being able to set the speed to 70mph and let the engine take care of the rest. The engine dealt with gear changes efficiently, and we loved the cruise control function for hitting the motorway with. When you have two lively children as travelling companions you need a car that makes driving as easy as possible. Our Audi Q3 model was a diesel automatic, which is our ideal engine and transmission type to be honest. When he saw the Audi Q3 he was as keen to get behind the wheel as I was. My husband even liked driving it, and he really isn’t a fan of driving and will happily leave it to me most of the time. The Audi Q3 was probably the easiest car I have ever driven. I was very excited about driving the Audi Q3 and I was looking forward to our family road trip a lot more than I was before. If ever a lady wanted to say, ‘just give me the key, I’ll figure it out’ it was then. When the driver delivered the car, and was giving me an overview of the features, I was definitely feeling a little on the impatient side. The seats are comfortable and the steering wheel is on the sporty side, giving you a sense of control before you’ve even started the engine. You get a great driving position without feeling like your taking over the road. Described as a compact SUV, it’s chunky but not over the top. It has all the features you would expect from the Audi brand including the grill details to the nose, stylish headlights and solid design. We have not been asked to provide this review, but we were so impressed with the Audi Q3 that it seemed obvious to write about it. With a 600 mile road trip planned, we were certainly going to get to know this compact SUV very well over the next week. How I contained my excitement when an Audi Q3 was delivered to our house I’ll never know. As they loaded our car onto the back of the breakdown truck, our dream car courtesy car arrived to replace it. Our car went into the garage just before we went on our road trip to Pembrokeshire. I watched in complete amazement, waiting for the sound of the crunch as there was literally nothing I could do about it.Īs the accident was clearly the other drivers fault, we jumped through the hoops of the car insurance to get our car repaired. I was driving into a car parking space and the car parked next to it just started to reverse. A few weeks ago, someone backed into our car. We have sent our child to Building Blocks Daycare for more than a year now. Sandra is truly amazing!īuilding Blocks = Better Lives for Children! Finally, Sandra is very understanding when it comes to family dynamics, finances and most importantly, the well- being of each child under her care. Sandra is very prudent and professional when it comes to her establishment and employees. Sandra is an excellent communicator when it comes to your child’s development or needs. It’s very comforting knowing that our child is in a safe and well organized environment. There hasn’t been a single day while picking up our child that we didn’t get a synopsis of our child’s day through the daily report that Sandra religiously provides. As parents who need to work throughout the day away from our child, having Sandra as our daycare provider gives us our much needed peace of mind knowing that our child is in good hands. It’s a positive culture with education being the core of the overall philosophy. Sandra treats every kid like they are her own kids. The number one thing we love about Building Blocks is the family environment. Giulia and Nino"īuild Blocks is truly a Blessing. We would definitively continue to send our son to Sandra's daycare had she not moved to another city. We highly recommend Building Blocks daycare and we could not have hoped for a better place for our son. This learning aspect combined with Sandra's great passion and dedication, is somewhat unique to find. Our son learned good manners, songs, numbers, and did several science projects along with some art and crafts work. She would discuss our kid's needsĪnd progresses. One thing that really stood out is that Sandra, compared to other daycare providers, has a great attention to details, and really makes you feel involved in your kid's experience. Our son enjoyed every moment he spent with Sandra and the other kids, and he always wanted to stay longer when it was time to pick him up at the end of the day. "We moved to the bay area a year ago with a one year old and we loved Building Blocks's daycare, it has been very heartwarming and formative, and it was immediately clear Sandra's passion for the kids and her job. If there is space at Building Blocks Daycare, quickly get your little one into Sandra’s care! After our move, I searched far and wide for someone who would put in the same effort and suffice it to say, we have yet to find another daycare as amazing as Sandra’s Building Blocks Daycare. We seriously considered not moving or commuting just to keep our daughter in Sandra’s care. We felt cared for just as much as our daughter.Īfter about a year of having our daughter enrolled with Sandra, our family had to move about 40 miles away. Sandra was also responsive to our questions and she proactively asked us to list things that we did not want our daughter to eat so she could follow our parenting guidelines. Each day, we got a written summary of our daughter’s day letting us know the important information like what she ate, how long her naps were, etc. She truly loves all of the kids and her routine is beyond amazing: circle time is a focused and fun learning time for the kids, they get to do all kinds of different activities every day, and they get the attention they need. I have never met someone more dedicated to the care and education of children. My perspective on daycares before we met Sandra was that our daughter would get lost among the many kids and she wouldn’t get enough attention. My wife and I are very picky when it comes to our daughter and we wanted someone to care for her as we would: providing love, support, and education. Your search is over! You have found the perfect daycare for your beloved little one(s)! When we were looking for someone to care for our little one, we were not sure what to do. I love that Building Blocks Daycare has become our second family! Sandra does a great job of providing a daily report card letting you know how their day went and will frequently send you pictures or videos throughout the day. I can't say enough positive things about Building Blocks Daycare. Most days he doesn't even want to go home when I pick him up, but that only means he is in a safe fun nurturing environment. Between the indoor play, outdoor water play in the summer, walks around the pond to see the ducks, painting, singing, reading of books, counting and learning the alphabet.he is challenged every day. He enjoys playing and learning with his friends all day. Each morning they are greeted with a smile and a warm hug and the smell of something yummy for breakfast. Sandra and Mitcin love these kids as their own. As a mom it is hard to leave your little one behind as you go to work but knowing that he is in the hands of Sandra, makes it easy. My son has been attending Building Blocks Daycare for almost a year now.best decision my husband and I made. The comparison results help you in understanding how one mobile is better than others so that you can make a wise buying decision. On Gadgets Now, we let you compare up to 4 mobiles at a time on the basis of different criteria like price, RAM, storage, camera, display,battery, and more. Apple iPhone 12 vs Apple iPhone 12 128 GB 4 GB vs Apple iPhone XS Max: Compare Specifications, Price | Gadgets Now EditionININUSSun, | Updated 08.50PM IST NewsTech NewsSocialMobilesPCsAppsGamingMore GadgetsTelecomFAQsAppliancesWearablesDevice CareCompareCompare Mobile PhonesCompare LaptopsCompare TabletsCompare CamerasCompare TelevisionsCompare Power banksCompare Smart watchesCompare Air conditionersCompare Washing machinesCompare RefrigeratorsCompare Fitness bandsCompare EpilatorsCompare HaircurlersCompare TrimmersCompare HairstraightenersCompare HairdryersCompare Bluetooth SpeakersCompare HeadphonesCompare Air PurifiersCompare Water PurifiersCompare IronsCompare FansCompare Air FryersCompare Air CoolersCompare Hand BlendersCompare Food ProcessorsCompare Room HeatersCompare ChimneysGadgetsMobile PhonesTabletsLaptopsCamerasTelevisionsPower banksSmart watchesAir conditionersWashing machinesFitness bandsPersonal GroomingHome AppliancesKitchen AppliancesAudioSlideshowsGamesReviewsVisual StoriesMoreNew BingVideosRechargeDevice CareUSHow ToBrandsTop GadgetsFeaturedDealsGN AwardsTrending TopicsHAIER WASHING MACHINESWhatsapp PinkYouTube Music App Mini Player UpdateSatya Nadella on SonyTop Strategy Games on Steam PCApple Vision Pro CVR EditionOnePlus Nord 3 5GSamsung Galaxy F34 Support G Phones with Super Amoled DisplayTranslate Message on TelegramIndians E Commerce Shopping ReportTelegram WarningGoogle on Online News Act CanadaGadgets NowCompare Mobile PhonesApple iPhone 12 vs Apple iPhone 12 128 GB 4 GB vs Apple iPhone XS Max comparisonApple iPhone 12 vs Apple iPhone 12 128 GB 4 GB vs Apple iPhone XS Max comparison Make a perfect choice for yourself by comparing Apple iPhone 12, Apple iPhone 12 128 GB 4 GB and Apple iPhone XS Max on the basis of their specifications and features on our compare mobile phones page. The mayor is delighted, and since it is time for breakfast, he invites Pasquin to prepare an omelet. To gain access to the house, Silvio disguises himself as the servant Pasquin, and he boosts about his cooking talents. Doctor Miracle is actually a young military officer who has fallen in love with the major’s daughter Laurette. The story is set in Padua, and the major and his wife Véronique are woken by a noisy advertising campaign outside their house, proclaiming the talents of Doctor Miracle. He did share the first prize with Charles Lecocq, and the premiere sounded on 9 April 1857 at Théâtre des Bouffes Parisiens in Paris. Georges Bizet (1838-1875) composed his operetta Doctor Miracle when he was barely 18 years old for a competition organized by Jacques Offenbach. A critic writes, “it is not clear whether Hindemith is satirizing Wagner, incompetent performers, ostentatiously dissonant composers, or the introduction of popular elements into serious music.” Whatever the case may be, it is decidedly hilarious. The Overture is supposed to be “sight-read by a bad Spa Orchestra at 7 in the morning by the well.” Wagner’s music is completely mangled and includes errors in the playing of the tune, rhythmic imprecations, and all kinds of interpretative deficiencies. Nothing hilarious about the title so far, but you only need to read the subtitle to understand this musical parody. In 1925, Hindemith composed a string quartet with the title “Overture to the Flying Dutchman,” making an obvious reference to the opera by Richard Wagner. You might not know, however, that Hindemith had a wicked sense of humor. You might also know that he wrote in a complex modernist polyphonic style. But if you have, you probably know that he was a major advocate of a musical style called “New Objectivity,” and “Music for Use,” which advocated composition intended to have a social or political purpose. I am not sure you have ever heard of the German composer, music theorist violist, and conductor Paul Hindemith (1895-1963). Paul Hindemith: Overture to the Flying Dutchman The second features the “Desiccated embryo of an Edriophthalma,” a crustacean with immobile eyes, and the concluding movement carries the title “Desiccated embryo of a Podophthalma,” a stalk-eyed crustacean like a crab or lobster.Īnd to make sure the pianist knows how to approach these morsels of irreverence, Satie tells them to play it “like a nightingale with toothache.”Įrik Satie: Embryons desseches (Klára Körmendi, piano) The first is called “Desiccated embryo of a Holothurian,” basically a sea cucumber, a creature without eyes. While the title is hilarious, the three little movements lasting about two or three minutes to play, have additional subtitles. At least, that’s how he thinks of himself.” His irreverence for convention and eccentricity is probably best demonstrated in his short piano pieces with evocative titles like “Three Boneless Preludes for a Dog,” or “Embryons desséchés” (Desiccated embryos). He is a mischievous and cunning old artist. A close friend and collaborator wrote, “Satie is extraordinary. He invented so-called furniture music, a kind of background not to be listened to consciously. He had nothing but contempt for tradition, a deliciously rye humor, and complete loyalty to the absurd. It didn’t take me long to find the king of hilarious titles in Erik Satie (1866-1925). The 14 exercises, organized from the simplest and most basic to the most complex and sophisticated, were the core education of a classical speaker, designed to produce what Quintilian once called “the good man, speaking well.” Need Lesson Plans for Classical Composition II: Narrative? Click here to purchase a printed or digital version.Erik Satie: Embryons desséchés (Desiccated embryos) The greatest communicators of ancient times, Quintilian and Cicero among them, employed the progymnasmata to teach their students the art of communication. The progymnasmata gave them the stylistic tools to appeal to their hearts as well. Presented clearly and systematically in a structured curriculum, Classical Composition will give you a clear road map to writing excellence.Īncient writers invented a way of teaching writing known as the progymnasmata, which provided a method of teaching composition that not only taught budding writers a disciplined way to approach communication, but also helped them appeal to the heads of their audience. Jim Selby has blown the dust off the writing curriculum that was used in schools for over 1,500 years and put it in an easy-to-teach format that will revolutionize your home or private school curriculum. What if you could teach your child using the same writing program that produced such masters of the language as John Milton, William Shakespeare, and Benjamin Franklin? What if you could have the same composition curriculum used by Quintilian, the greatest teacher of ancient rhetoric, and Cicero, the greatest persuasive speaker of all time? The Altman Z Score has to be used with other templates/ models/ techniques for deciding on investment in a firm. These templates do not account for any professional advice but are merely some guidelines to explain the concept.) The Bottom Line You are requested to consider all the risk factors, including your financial condition, suitability to risk-return profile, and other similar conditions. (These templates should not be considered as an advertisement or advice, professional or otherwise. This means that the company seems financially stable as it meets the criteria of the score. In this case, the Altman Z Score for MRVL stock is 11.87. Likelihood of bankruptcy is high if below 1.8Īverage for non-bankrupt companies – 5.02 Likely to go bankrupt within two years if between 1.8 – 2.7 The financial soundness of the firm can be gauged based on the below legend: Where, A = Working Capital / Total Assetsĭ = Market Value of Equity / Total AssetsĮ = Sales / Total Assets How to interpret Z score? Here comes the main question how is Z score calculated? Z score is calculated using the five financial ratios and adding their weighted products as per the below formula: We have taken the example of Marvell Technology Group Ltd and the base year as 2017.įor detailed analysis, switch to the Calculations worksheet. This sheet gives the Altman Z Score for the company and the template’s interpretation based on the score. Let us have a look at the ready-to-use template provided by MarketXLS: ‘Index’ Sheet Įnter the following information in the ‘Index’ Sheet to get the result summary: This score helps assess whether this debt will affect the firm’s financial performance in the long term and there are any chances of bankruptcy in the future. The primary reason behind this is that the growth stocks are the stocks of companies who usually have a good amount of leverage and debt in their balance sheet. This score is significant for all those investors who are willing to invest in growth stocks. It also highlights the criteria and the formula using which the score has been calculated. MarketXLS provides its template for the calculation of the Z score. It highlights the possibility of the firm going bankrupt in the near future. With the help of the Z score, investors can gauge the financial strength of the company. This ratio depicts the usage of assets to generate revenues. This ratio can be interpreted in terms of investor reliability in the company’s performance. The EBIT ratio depicts a company’s ability to produce enough earnings to finance the expenses and operations and still be in profit. Earnings before Interest and Tax/ Total Assets.This ratio shows the total amount of retained earnings out of the total assets. Negative working capital would indicate a low degree of liquidity and solvency, and positive working capital would indicate a high degree of the same. The five financial ratios used for calculating the Z Score are: In 2012, he refined the score and came out with Altman Z Score Plus, which helped measure the credit risk of all types of companies. The accuracy in these years ranged from 82% – 94% Majority of these companies were manufacturing companies. We can see that the number of financially distressed companies kept on increasing over the years. In the 1976 to 1995 period, he found 110 companies and 120 companies in the upcoming three years. From 1969 to 1975, Altman found 86 companies on the verge of bankruptcy using this score. The score has evolved and developed over the years, which has resulted in an increase in its accuracy. It has helped various investors of the Wall Street in deciding whether to invest in a company or not. This model is a valuable predictor of the financial distress of firms. Investors look at the Altman Z score to gauge the possibility of a firm going bankrupt in the near future. Since then, there were various evolutions in the score, and it has been a decisive measure of profitability and liquidity of a company. New York University’s Finance professor Edward Altman defined and named the score in 1967. It is a barometer of the credit strength of a particular company. This technique/template is usually used for publicly traded companies in the manufacturing sector. Altman Z-Score is a score that indicates the solvency and debt repaying capacity of a company listed on a public exchange. Simple Start : This and the self-employed plan are the most basic plans with the fewest bells and whistles.This includes baseline features like syncing bank transactions, snapping photos of receipts, and expense tracking. Self-Employed : This basic plan is aimed at freelancers who likely do not need a ton of premium features.There are five different plan options based on the available QuickBooks Online plans: But just like your QuickBooks software, the number of features you can access on the app depends on which plan your business uses. The above features come standard with the QBO mobile app. Robust security features, including 128-bit SSL encryption to ensure that your business transactions and records are always protected.Real-time reports that track your business expenses as they happen- and syncs them throughout your programs so that you stay up-to-date everywhere.Receive fast electronic payments QuickBooks’ own credit card processing, as well as from third-party apps like Square and Paypal.This is especially helpful during tax season. Take photos of receipts and categorize all expenses, big or small.Observe your business’ projected cash flow in real time.View, add, and edit transactions such as invoices, estimates, sales, and expenses.Send invoices and estimates- right from your mobile device.It includes a variety of easy-to-use features including: The QuickBooks mobile app- or the QuickBooks Online mobile app- allows you to keep track of your business’ finances, no matter where you are. So if you’re using QuickBooks accounting software, you should absolutely take advantage of this handy app and its features. No matter where you are you have access to critical information that provides you the information you need to make smart financial decisions and even invoice clients or receive payments on the spot. It keeps all your financial information at your fingertips- even when you’re out of the office. The QuickBooks mobile app helps make running your business and keeping your finances organized much easier. That’s right- even your QuickBooks software, thanks to the QuickBooks mobile app. From your family photos to your bank information even to your business software- it’s all right in your pocket. Thanks to this technology, you now have a world’s worth of information at your disposal. One of the greatest advances of all is smartphones, and what they do for us and allow us to do. It’s amazing how much technology has evolved in the last two decades. In reality, the deadline has been pushed before and may be pushed again.A system known as U.S. Officially, those attempting to board a plane with a license that is not Real ID-compliant will be turned away after October 1. (For the full list of approved IDs, visit the DHS website.) What will happen after October 1, 2020? military Common Access Card (CAC), federally recognized tribal photo IDs, permanents resident cards and border crossing cards. According to Department of Homeland Security, other compliant identifications include a federal I.D badge, approved traveler cards (like Global Entry and NEXUS), a U.S. passport is always accepted for domestic (and international) travel. Can I use another form of ID at the airport? residency) and two proofs of New York State residency (like a utility bill, bank statement or mortgage statement). In New York, which began issuing compliant licenses in October 2017, the requirements include proof of identity-such as valid license, birth certificate or passport-as well as a social security card, birth certificate (or proof of lawful U.S. According to the TSA, in most cases you'll have to provide additional documentation and there may be a cost associated with the upgrade. There are no uniform nationwide standards, so check with the DMV before submitting paperwork. Getty What do I need to update my license? If you're not sure of your status, confirm with your state Department of Motor Vehicles. If your license says "Not for Federal Identification" or "Federal Limits Apply," you will have to update your card. However, Hawaii, Ohio, Tennessee, and Utah have issued compliant IDs without the star. Real ID-compliant cards are generally marked with a gold or black star located in the upper portion of the card. How do I know if my license is compliant? But remember, just because your state is compliant doesn't mean your license is. All states and territories must be in compliance before the October 2020 deadline.Ĭonsult the map on the DHS website to find out your state's current status. According to the Department of Homeland Security website, 48 states and territories are certified as compliant as of May 2019, with five more granted extensions-Oregon, Oklahoma, Kentucky, New Jersey, Maine and American Samoa. Some states began the process of updating their requirements back in 2017, while others have been issued extensions. And as we get closer to October 2020, we'll work more closely with the airports." Is My State Compliant with the Real ID Act? We have a whole toolkit we're sharing with them. "We're working closely with state driver's licenses agencies to get to word out, too. "We officially started an awareness campaign about a month ago," TSA press secretary Jenny L. With almost a year-and-a-half till the deadline, the TSA is currently ramping efforts to get the word out about the new IDs. (The California DMV says it's sending letters to those residents, who will need to check a box to confirm their mailing address, sign and date the letter, and return it in a provided prepaid envelope.) There have been some hiccups, too: In April, more than three million Californians received a Real ID card without having providing the required second proof of residency. (The ACLU supports repealing the Real ID Act, which it dubs a "bureaucratic nightmare for individuals.") Enforcement has also been slowed by bueracracy, politics and pushback from states claiming the federal government is overreaching. But the Trump Administration has made it a priority, and set the October 2020 deadline. Bush, it was largely ignored by the Obama White House. While the law was passed under President George W. Why has it taken so long for the Real ID Act to be enforced? The goal is to set stricter security standards related to card design, processing and issuance. The Real ID Act updates the requirements for a driver's license to serve as a valid identification at airports and other federally regulated facilities. If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful. 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If we assign an exchange rate to your foreign exchange transaction, that exchange rate will be determined by us in our sole discretion based upon such factors as we determine relevant, including without limitation, market conditions, exchange rates charged by other parties, our desired rate of return, market risk, credit risk and other market, economic and business factors, and is subject to change at any time without notice. 1Exchange rates fluctuate, at times significantly, and you acknowledge and accept all risks that may result from such fluctuations. |
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