Need Help Paying Back pupil Loans?

Student At Law - Need Help Paying Back pupil Loans?

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Many college students and graduates are looking for a clarification for their trainee loan debt. While borrowers may be having mystery paying back trainee loans, there is help. Solutions for paying back trainee loans are available.

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Student At Law

What causes mystery in paying back trainee loans?

New college graduates may find that it takes them longer to find a job than they expected. While there's a six month grace duration from the time students graduate until refund begins, sometimes it takes six months or longer to find a job.

Many modern graduates who are employed are underemployed -- working part-time or temporary jobs until they find a permanent position. While this time they may need help in production loan payments.

New college graduates can use several strategies to help with trainee loan repayment. Taking on supplementary part-time jobs or freelancing may be an option.

It is also wise to keep living expenses low the first few years out of college. Graduates can live with a roommate, or downsize into a smaller apartment. If new graduates are still looking for a job, it may be a good idea not to move until permanent employment is found. Then it will be easier to move to an area closer to the job.

Applying for a forbearance may be an immediate clarification for times of mystery production loan payments. A forbearance is temporary duration of suspension of payments on a federal or direct loan after refund has begun, and if the trainee does not qualify for deferment.

This means that if a trainee has already started paying back loans, they can apply for a suspension of payments on the grounds of financial hardship. A forbearance must be applied for through the lender. Being able to hold off payments for a few months can be a big help While a time of financial hardship.

Another trainee loan debt clarification is to consolidate payments. Unless consolidated, each trainee loan is accounted for and paid separately. When a trainee graduates they will receive paperwork and payment slips for each loan. 2, 5, 12... No matter how many loans were taken out, they will be billed separately. Adding up all of these individual loan payments could total 0-00 per month or more! Not many students can afford such payments.

That's where consolidation comes in. Consolidation is a process that combines all of the trainee loans into one loan. Borrowers can dramatically reduce monthly payments of trainee loans by consolidating. Average monthly payments could be less than 0 to around 0 per month. This is just an estimate. The monthly payment depends on the total number borrowed, the interest rate and the way that loans are consolidated.

Consolidating through The income Contingent refund plan is designed to help make repaying trainee loans easier for students who intend to pursue jobs with lower salaries, such as careers in group service. The monthly payment number is adjusted annually, based on changes in house size and each year income. This program is only available through the Us division of Education, not a lender or bank.

Finally, the Graduated refund Plan starts the payments at a low level (usually interest only) and gently increases the payments until the balance is paid. This is helpful for graduates because payments are low when the first graduate, and increase as earning power increases over the years. This plan is available by consolidating through a bank or other lender.

It is foremost to note that agreeing to current regulations trainee loans may only be consolidated once. So borrowers who have already graduated and consolidated with a standard plan cannot take benefit of the income contingent or graduated plans. For borrowers who have already consolidated, a forbearance may be the best option for temporary relief of trainee loan debt.

Use the trainee loan refund calculator from finaid.org to find out what loan payments could be using distinct types of consolidation.

College graduates can find trainee debt relief using one of the solutions mentioned above. Discuss loan refund options with your lender and see what can be done to help you repay trainee loans.

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Estoppel Certificates

British Columbia - Estoppel Certificates

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Estoppel, to the non-initiated, sounds more like the most recent toy in the Pentagon's vast array of hidden weaponry and armaments, something that belongs more to Area 51 than the real estate world, or perhaps the most recent scandal to permeate Capitol Hill. "Cia's Probe Leak: The New Martin Lochheed F-22 Supersonic Estoppel!", one might envision reading one day in the front page of Usa Today. But readers of my Articles know best ...

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In Real Estate, an "Estoppel Certificate" is a document signed by the Seller, under oath, confirming the representations made by the distributor in the covenant of buy and Sale. The reasons for the Buyer to invite an Estoppel Certificate are twofold. First, to confirm the Seller's representations as stated above and, secondly, to bar and forestall the distributor from later on asserting a fact, that is inconsistent with the terms of the Contract.

For instance, when purchasing a rental asset - whether a house or an apartment construction - an investor might want to insert the following two conditions precedent ('subject to' clauses). The first might read:

"Subject to the Buyer by ( insert date ) reviewing and approving the Residential Tenancy Agreement(s) presently in consequent and surface the asset herein bought and sold. distributor warrants that the term(s) of the tenancy is/are for a duration of ( insert distance of tenancy ), the monthly rent(s) is/are ( insert number ) and that the last rental increase was on ( insert date )".

What happens if, by the time all the subjects are removed (and the asset is virtually sold) and the time the investor completes the transaction, the tenant is run over by a bus and dies? In some instances the shop value of the subject asset may be altered, as in the case of an investor purchasing a professional building. This is where an Estoppel Certificate fits in.

The second clause might read:

"Subject to the Buyer, after all the other subjects herein are removed but in no event before two weeks (or any other time) prior to completion and no later than one week (or any other time) prior to completion, receiving, perusing and approving an Estoppel Certificate ratified by distributor surface the existence and confirming the validity at law of the subject matter and terms of the tenancies herein. Failure by the distributor to contribute such Estoppel Certificate in the aforesaid time-frame will render this covenant null and void, and all deposit monies until then paid by Buyer will be refunded to Buyer forthwith with interest accrued thereon, if any there be".

The intuit for Estoppel Certificates to exist in Real Estate is to be found in the equitable religious doctrine Of The Promissory Estoppel. Under this doctrine, one party is barred and prevented from withdrawing a promise made to another party, if the latter has relied on that promise and acted upon it. All the more so, since contracts in real estate are made 'under seal' (deeds) and, as such, the rule of evidence arising from the special status of a deed is that the parties are expected to take greater care to verify the contents of the deal and their validity at law, before consummating it.

The American Law make goes one step supplementary by discerning in the middle of equitable and promissory estoppel in its Restatements of Contracts as follows:

"Equitable estoppel is certain from promissory estoppel. Promissory estoppel involves a clear and exact promise, while equitable estoppel involves only representations and inducements. The representations at issue in promissory estoppel go to time to come intent, while equitable estoppel involves statement of past or gift fact. It is also said that equitable estoppel lies in tort, while promissory estoppel lies in contract. The major inequity in the middle of equitable estoppel and promissory estoppel is that the old is ready only as a defense, while promissory estoppel can be used as the basis of a cause of performance for damages. The American Law Institute's website can be found at http://www.ali.org.

All the foregoing simply goes to prove, once again, that the discipline of real estate wheeling and dealing is littered with rubbish all the way - until such time as a covenant is entered into and ratified by the parties, at which time Real Estate suddenly becomes all too deadly serious.

Luigi Frascati

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Smoking Statistics in Canada

British Columbia - Smoking Statistics in Canada

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Smoking statistics for Canada are generated by the Canadian Tobacco Use Monitoring gawk (Ctums) which collects data on tobacco use and linked issues in Canada. The data collected provides beneficial facts on both the incidence (number of new smokers) and the prevalence (total number of smokers) of smoking in the Canadian population.

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British Columbia

Overall the long term trends show that the prevalence of smoking in Canada is decreasing from a high of 35% of the citizen in 1985 to less than 18% of the citizen in 2008.

The province of British Columbia has the lowest rate of prevalence for smoking across the country (14.7%) with all prairie provinces having the top prevalence at 20.8%. Remaining provinces were slightly above the national average, hovering around 19-20%.

Here is how the Canadian smoking statistics break down by age groups. This data is from the 2008 Ctums database. Complete data sets for 2009 are not yet available.

15-19 yrs old. - 15% of this citizen classify themselves as smokers. While unchanged from the former year, this figure is the lowest since Canada began collecting and monitoring smoking statistics. Some provinces such as Newfoundland and Labrador have shown a decrease of 3% in this age group from the former year. 20-24 yrs old. - 27% of this citizen are smoking. Among this age group males continue to smoke at a higher rate and smoke more cigarettes per capita than the female smokers in this age group. 25 - 45 yr old age group has the top number of citizen who are giving up smoking. Between 25 and 45 yrs of age the number of citizen who classify themselves as former smokers increased by just over 16%.

Canada has been engaged in smoking discount efforts for over ten years. There has been a consistent endeavor to get the message out about the condition risks of smoking. Laws have been passed in many provinces to forestall smoking in communal structure and municipalities have implemented smoking bans that forestall smoking in any building, even bars and restaurants. Recently the smoking bans in Vancouver, Bc and surrounding areas have been extended to included a restriction on smoking cigarettes within 7 meters of a construction entrance.

Some communities are considering smoking laws to originate smoke free outdoor patios, parks, and beaches. These types of quantum reflect a change in the attitude of the communal that welcomes regulation to protect the condition of all citizens.

Since the smoking statistics show a clear drop in the prevalence of smoking in Canada it is clear there are a vital number of citizen who are giving up smoking cigarettes. But more importantly, less and less Canadians are being influenced to take up the habit in the first place.

So of those citizen who are still in the smoking minority who are they? An exam of the communal epidemiology reveals some spellbinding statistics.

The top prevalence of smokers is among the unemployed, poorly educated, and low wage populations. The very citizen who have the least number of disposable wage purchase the majority of cigarettes. For this citizen at least, it would appear that the economic impact of cigarette smoking is not leading adequate to motivate a change in smoking behaviour.

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Fundamentals of ageement Law

British Columbia - Fundamentals of ageement Law

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No matter where you live in North America, you must have seen some humoristic vignettes depicting a not-so-trustworthy Realtor intent at selling a house to some innocent-looking couple. My beloved vignette, which still makes me chuckle today, goes back to a few years ago when I was practicing real estate at United Realty. It complex a Real Estate Agent of Pompeii Realty, portfolio in hand, in the process of selling a house to an ancient Roman consolidate sometimes nearby 100 Bc . The house is overlooking Mt. Vesuvius. There is a black, threatening, ominous plume of smoke advent out of the top of the volcano, and the Roman consolidate looks somewhat startled when the Real Estate Agent - big smile on his face - delivers the punchline: " Plus, with a view like this what could perhaps go wrong" !

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What is it exactly that you do when you sign a 'contract' . The term 'contract' means a promise or a set of promises made by one man to another, which the Courts will enforce. A covenant can consist of a number of promises or 'terms' to be performed by either party. The man who makes the promise is called the 'promissor' and the man who can enforce that promise is called the 'promissee' . If the covenant contains several mutual promises, each party will be both a promissor and a promissee. Contracts of buy and Sale of land and interests in land normally have lots of mutual promises. Contracts are a crucial part of every firm transaction, but not nearly as much as in Real Estate. For instance, some contracts are made verbally while others are made by naturally exchanging letters or even e-mails. This is not the case in Real Estate, where it is a requirement at Law that contracts be written down in normally lengthy legal forms to avoid uncertainty, ambiguity and to be binding .

A covenant has seven vital elements:

Offer.

Acceptance.

Consideration

Legal Intent.

Capacity.

Legal Object.

Genuine Consent.

Each of these elements must be gift for a covenant to be binding and enforceable. Let's observe them individually.

Offer

An offer is the promise made by one party to another. Save and except in Real Estate where the offer must be in writing, an offer can be made in any form. In all circumstances, however, an offer must be made in clear an unambigous terms. If more than one interpretation can be given to an offer, neither interpretation will be followed by the Courts. There are 'unilateral' and 'bilateral' offers. Offers to buy real property are bilateral, i.e. Containing the change of mutual promises.

An offer is not made forever. Offers can either be finalized, when all mutual promises are fulfilled. Or they can expire, if not timely accepted. Or they can be released, if one of the parties does not - or cannot - deliver on the promise. Offers can also be revoked after acceptance, unless a term of the offer stipulates that revocation is not allowed.- as it is now the case in British Columbia for offers attractive land. A 'counter-offer' is naturally an offer from the offeree back to the offeror. The legal succeed of a counter-offer is to quit the former offer and substitute the offer of the offeree. What this means in practicality is that if the counter-offer is not accepted, the offeree cannot try to accept the first offer unless it is tendered again by the offeror. This is a point often times neglected in Real Estate, which has caused several tears to be spilled.

Acceptance

The acceptance, like the offer, must be given in clear terms. It must be a clear act. For instance, an offer cannot state "If I don't hear from you, I will assume you have accepted". Doing nothing will never be carefully legal acceptance. The rule at Law is that where an offer is required by statute to be in writing, then also the acceptance must be in writing in order for the offer to come to be a covenant binding on both parties. Such is the case in Real Estate. An acceptance has no succeed until it is communicated to the offeror. Communication can be made by 'instantaneous means' as in the case of telephone or teletype or fax communications, or e-mail or hand-delivery and by 'non-instantaneous means' such as postal mail. The Law gives the accountability to the offeror to specify how he wants the offer to be accepted. If the offeror chooses a method like slow mail, then he assumes the risks complex in that type of assistance (such as misdelivery).

Consideration

For an offer and acceptance to form a covenant there must be consideration or the covenant must be signed under seal. consideration is defined as 'some right, benefit or behalf accruing to the promissor or some forebearance, detriment, loss or otherwise accountability suffered by the promissee' . What this means is that the party trying to enforce the covenant must have 'paid' something in change for the promise of the other party. consideration must be of real value, but it does not have to be money. For example, a mutual change of promises is consideration per se.

Legal Intention

For a man to be bound to a contract, he must seriously intend to create legal obligations. For example, attractive a guest for evening meal would normally not be carefully a covenant intended to create legal obligations. The Law presumes that there is legal intention in a covenant attractive total strangers. On the other hand, if the covenant is between house members the Law presumes that there is no intention to be so bound (non arm-length transaction). However, this presumption can be reversed if there is evidence to show otherwise.

Capacity

Even when all the foregoing vital elements exist, a covenant can still be void, voidable or illegal. A void covenant is one which is deemed at Law never to have existed. A voidable covenant is slightly different: it exists until it is repudiated by one of the parties. An illegal covenant is one which is made for an illegal purpose, and which is therefore always void. Examples of voidable contracts are the ones made when one of the parties is an infant, i.e. A minor or under the majority age. In this case the covenant can be voided by the infant. Likewise, when one of the parties is legally insane, the covenant is voidable. A extra case is a covenant stipulated when one of the parties is a minute firm or corporation. Three questions must be first answered before the covenant can be enforceable: 1) either the corporation does in fact exist and 2) either it has the capacity to enter into the covenant and 3) either the man signing on behalf of the corporation is, in fact, the authorized signatory.

Legal Object

Quite aside from blatantly illegal contracts such as, for examples, contracts to commit a crime or tort until recently here in British Columbia clear other types of contracts where carefully illegal. For example, until the mid-80's contracts attractive the sale of land made on a Sunday were deemed to be a contravention of s.4 of the Lord's Day Act(now repealed) and, thus, illegal and void. Since then, the supreme Court of Canada has ruled that the application of s.4 - in fact the entire Lord's Day Act - is unconstitutional in that it infringes on the free time of conscience and religion guaranteed by the Canadian charter of ownership and Freedom.

Genuine Consent

If one of the parties makes a misrepresentation or if the covenant contains an possible mistake, the covenant may still not be binding. A misrepresentation is, by definition, a statement which is false and which must have induced one of the parties to enter into the contract. A misrepresentation can be innocent, negligent or fraudulent and different remedies are available to the party suffering damages because of the nature of the misrepresentation. If the representation is innocent, the party can sue for rescission of the contract. In the case of negligent or fraudulent misrepresentation, the affected party can sue for damages as well. Although misrepresentation requires a statement to be made, in Real Estate silence too can succeed in some form of misrepresentation. Disclosure of latent defects is one such example: failure to disclose latent defects on the part of the seeder will not, by itself, influence the consent of the parties but will have similar consequences as misrepresentation.

In the case of possible mistake, true consent of the parties does not exist. The logic behind this conception is that the parties were negotiating for a branch matter other than the one stipulated in the contract. A definite type of mistake is sometimes referred to as 'non est factum' , Latin for 'this is not my deed' . This occurs when a man executes one form of document reasoning the document is something else. Duress and undue influence both influence the genuine consent element of a contract. Duress occurs when a man is forced to enter into the covenant against his will. As a result, the Courts will find the covenant voidable at his option. Undue influence, on the other hand, is more subtle. Like duress it results in one party losing his free will to covenant out. However it occurs more often when a man is in a first-rate or dominant position in relation to someone else and uses this influential position to induce the other to enter into the contract. Again, if undue influence is found, the covenant is voidable at the choice of the innocent party.

Luigi Frascati

luigi@dccnet.com

http://www.luigifrascati.com
Real Estate Chronicle

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The 3 Main Types of Criminal Offences in Canada

British Columbia - The 3 Main Types of Criminal Offences in Canada

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In British Columbia there are 3 main types of criminal offences. They are (1) purely overview conviction offences, (2) purely indictable offences, and (3) hybrid offences.

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These 3 types of offences are set out in the Criminal Code of Canada.

Purely overview conviction offences

The list of overview conviction offences is set out in section 553 of the Criminal Code. These are the most minor charges compared to indictable and hybrid offences. Examples comprise theft (under ,000) and mischief charges.

Purely indictable offences

Indictable offences are the most serious criminal offences. These offences are set out in section 469 of the Criminal Code. Examples of indictable offences comprise murder and treason.

Hybrid offences

Hybrid offences are all those not listed in either section 553 or 469 of the Criminal Code. The majority of criminal offences in Canada are hybrid.

What hybrid offence means is the prosecutor can choose either to classify an offence as overview conviction or indictable. How a payment is classified determines how a payment is processed straight through the criminal court system.

Process: overview conviction vs. Indictable

The two main differences are (1) the maximum punishments, and (2) the court process.

When the prosecutor has the option to choose (i.e. Hybrid offence), the overview conviction maximum punishments are often less severe than indictable classification.

For example, an impaired driving payment (aka operating while impaired) is a hybrid offence where the prosecutor can choose to promenade summarily or by indictment. As an indictable offence, the maximum punishment is 5 years in jail; as a overview conviction offence, the maximum punishment is 18 months.

Another contrast is the court process.

In British Columbia, criminal cases are processed and heard provincial courts and consummate courts. All trials in Provincial Court are heard by judge alone, whereas trials in consummate Court may be heard by a judge alone or judge and jury.

Purely overview conviction offences (those listed in section 553 in the Criminal Code) are processed and heard only in Provincial Court. This means that an accused doesn't have the option for a jury or a introductory inquiry.

If a payment is a hybrid offence, and the prosecutor classifies it as indictable, then the accused can choose either to have the case processed and heard in Provincial Court or consummate Court.

The main contrast with consummate Court is the option for a jury and introductory inquiry (a pre-trial hearing where the prosecutor presents evidence to the court to settle either there is enough evidence to continue against the accused).

If the prosecutor chooses to classify and promenade by indictment (i.e. Indictable offence), then the accused chooses either to have the case heard in Provincial Court or in consummate Court by judge alone or judge and jury.

Purely indictable offences (those listed in section 469 of the Criminal Code) are processed and heard only in consummate Court. The default trial mode is judge and jury; however, if the accused and prosecutor consent, the trial may be heard by judge alone.

That sets out the 3 types of criminal offences in British Columbia.

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Nickelback - Here and Now (Album Review)

British Columbia - Nickelback - Here and Now (Album Review)

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Grabbing from the past and showing increase is eminent as each track spins, working the listener additional down the road. The arrangement of songs is designed for less hand retention than Dark Horse, allowing freedom to absorb at an personel pace. This album is mature with edge and sexual enchanting lyrics that are less suggested, as with Dave Matthews, and more direct.

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Very seldom does Nickelback bring their influences to the table when writing and recording. This lets the music stand on its own merit so comparisons are limited, and it will keep their longevity strong for more releases to come. A hard hitting first track and a tease at the end keeps the audience licking their lips for more.

The new release is unlike The Long Road and All the right Reasons, which are over moments after they get started because each song has such an impact that time flies so fast. Here and Now 's tracks are consistently 3ish minutes long where old releases had most tracks at 4ish minutes. So why does it seem that this Cd takes a bit longer to listen to? maybe all the experienced writing learned from "Mutt" Lange still lingers and the band is just trying too hard.

"When we stand Together" is a very socially conscience piece of work for this more "Party Rock" style band. They have not nothing else but stepped into this lyrical article since "Never Again", and it's great to see the band insight the impact that they have on the conscience of the youth. Throughout the 80's, every rock/hard rock/metal band would have at least one slow song that either was their "love" song or a social statement. Nickelback uses some of this plan by along with several slower tracks, but should stay with the power rock with just a incorporate slower tunes. The best tracks are the fast, busy songs with stacked guitars and growling vocals.

"This means War", "Bottoms Up", "Midnight Queen" and "When we Stand Together" are the best this release has to offer, but do not quit on the remaining seven tracks, as a few will have their place with separate listeners. You will either feel the music and accept the lyrics or love the lyrics and let the music stand. Not the band's highlight but it will have its place in most listener's collections.

The Gastown Steam Clock appearing on the cover is a great way for the band to tip their hat to their hometown in Vancouver, British Columbia. Since it has become such a traveler attraction, the photograph with the smackle of lights should only encourage fans to visit this gorgeous city. Vancouver is a hot bed of television output for American and Canadian pilots. The increase of the city is a great encouragement to the hometown boys of Nickelback that their future is secure.

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Native American Indian Art Wood Carvings of the Pacific Northwest

British Columbia - Native American Indian Art Wood Carvings of the Pacific Northwest

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Native American Indian art in the American southwest is dominated by the magnificent earthenware and jewelry in the region. When it comes to the Pacific Northwest region which covers the states of Oregon, Washington, British Columbia (Canada) and the southern part of Alaska, the Native American art here is mostly wood carvings. This is not surprising since unlike the southwest desert, the Pacific Northwest is abundant with forests which have in case,granted the wood as raw material for the region's Native American Indian art.

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The wood carvings of the Pacific Northwest Native American art come in many distinct forms. The huge totem poles which are carved on whole tree trunks are probably the most famous. legitimately the most coarse form of modern Pacific Northwest Native American art is the plaque wood carving. The whole range of Pacific Northwest Native American Indian art subjects along with eagles, ravens, thunderbirds, bears, killer whales and salmons are carved as plaques to be hung on the wall. A more complex task and usually higher priced would be the masks which are also carved out of wood. The Pacific Northwest Native American artists make some of the most astonishing aboriginal masks in the world.

Creative artists and carvers from this region have also used wood to carve out bowls, paddles, rattles and boxes which are all expertly decorated with Pacific Northwest Native American Indian designs. Some carvers have even carved more day to day objects such as letter openers out of wood again decorated with the region's Native motifs. Although not restricting themselves to just wood, the Pacific Northwest Native American artists also do art prints, paintings and costly metal jewelry but allembracing wood is still the most coarse material used in their artwork.

The Pacific Northwest style of Native American Indian art is still unknown to many parts of North America and the rest of the world but this will assuredly turn as the 2010 winter Olympics in British Columbia approaches. The world will see British Columbia and as visitors to this Canadian province have already noticed, there are fine examples of Pacific Northwest Native American Indian art anywhere one goes in the west coast of Canada.

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Rainscreen Technology

British Columbia - Rainscreen Technology

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Vancouver, Bc is the largest city in the province of British Columbia and the third largest city in Canada. It is surrounded by water on three sides and is nestled alongside the Coast Mountain Range. In increasing to a spectacular natural landscape and a bustling metropolitan core as well as boasting one of the mildest climates in Canada, Vancouver records one of the heaviest rainfalls in the world. Typical rainfall monthly patterns median 169 mm each in November and December and 135 mm in February and March. In Vancouver anyone can happen to you, but dying of thirst is not one such thing. Vancouver, furthermore, holds one other report - although this one is very seldom publicized on tourism websites: it is the leaky condo capital of Canada.

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To be fair to my hometown, Vancouver is not by any means the only place in the world to have experienced this kind of problem. Toronto and Winnipeg have suffered of the same calamity, and so have Chicago and London, England. The qoute here, however, is that a lot has been said and very tiny done to spoton construction envelopes imperfections coarse to so many high-rises, until the composition estimated cost of repairs to leaky condos has exceeded Cad billion. Engineering, now, has come to the recovery changing things finally for the great with a new enlarge in construction envelope construction and repairs. It is called Rainscreen Technology.

Most of the high-rise towers have been built using face-sealed outer wall assemblies. Developers refer to 'cladding' as the material or component of the wall assembly that forms the outer exterior of the wall which is, thus, exposed to the full force of the environment. Face-sealed outer wall assemblies have invariably relied on a strategy for rain penetration operate based on the elimination of holes straight through the cladding. As face-sealed walls are designed and engineered to deal with exterior moisture, in the form of rain, by sealing the exterior of the wall and preventing water from penetrating past the face of the cladding, if water does perforate past the cladding it cannot effortlessly drain out of the wall and remains, therefore, stagnant within the assembly. Here water can damage moisture sensitive material and components. It is, therefore, primary to insure that no water penetrates the outer cladding.

The water management strategy created by face-sealed outer wall assemblies can work in positive conditions where the wall is in a protected location and receives tiny exposure to wetting. However, as we have so disgracefully learned first-hand here in Greater Vancouver, in most situations face-sealed walls do not achieve well. This is so because it is very difficult to fully seal the exterior cladding and ensure that no water will enter. The increased exposure experienced by high-rise buildings supplementary limits performance expectations for this type of wall.

In contrast, rainscreen walls administrate water in a separate fashion. The exterior cladding is still intended to deflect most of the water that contacts the wall. However, a cavity is in case,granted behind the cladding. If water does perforate the cladding it reaches the cavity and cannot move supplementary into the wall assembly. Instead water in the cavity will drain down on the inside face of the cladding or on the waterproof membrane at the other side of the cavity, and it will be deflected out of the assembly at a cross-cavity flashing. In practice the cavity acts as a capillary break to remove the ability of water to stagnate inside walls. The end and most important follow of all this is that with rainscreen walls it is not primary that the outer cladding be wholly sealed. Imperfections are acceptable, and this will verily make a lot of developers happy - and a great many condo owners even happier.

Luigi Frascati

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Depreciation

British Columbia - Depreciation

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There is a special and direct economic association in real estate in the middle of Time and Value: as land becomes scarcer and appreciates, the improvements on the land are field to obsolescence and depreciate. Obsolescence is an economic variable used by governments, economists, appraisers and Realtors that reflects the fact that the construction sited on a piece of land ages with time, just like me. And, unlike wine, a construction that ages with time does not get any better, again just like me. No wonder that I am in real estate - but I digress.

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There are two types of depreciation when it comes to real capital assets: physical and functional. And both physical and functional depreciation can be categorized as whether curable or incurable.

[ ] physical Depreciation

Physical depreciation represents the accumulated loss in market value caused by physical wear and tear since the date the construction was completed. physical curable depreciation refers to damage which can be corrected economically, and it includes such items as poor decorative conditions, broken fittings, outdated or worn out carpeting, faded or old paint, appliances not in a proper working order as well as aging roofs. On the other hand physical incurable depreciation includes wear and tear of structural members and foundations where heal or transfer is likely to involve essential cost. These two kinds of depreciation are treated differently. The dollar whole of the deduction required for physical curable depreciation is commonly based on the required cost of carrying out the repairs. Conversely, the reduction for physical incurable depreciation is more difficult to estimate, with the essential cause of such strangeness lying in the estimation of the remaining life of the building.

There is no exact way to appraisal the cost of correcting physical incurable depreciation. commonly speaking the cost of this kind of corrections is so great that in terms of economics the buildings should whether be left in its gift state or totally rebuilt. Governments tend to appraisal the economic life of buildings in terms of straight-line depreciation, but this is so merely because it makes the appraisal of capital gains and losses, as well as their recapture, a small easier to rule from an accounting point of view. Appraisers and experienced Realtors, on the other hand, will tend to make an educated guess more often than not as to the value of the physical incurable depreciation based upon visual notice while economists will base it upon knowledge of regional comparable market data.

[ ] Functional Depreciation

This type of depreciation describes the loss of value caused by outmoded or inadequate design. Here too it is essential to distinguish in the middle of curable and incurable functional depreciation. Functional curable depreciation includes items such as the cost of replacing old-fashioned fittings, installing an supplementary bathroom or otherwise production alterations to the existing plan by, for example, creating new doorways and blocking old ones, or by following market trends such as enhancing the visual appearance of rooms with open layouts and light-play. Again, the whole by which market value is reduced is in direct function of the cost involved in carrying out the essential updates.

And, like before, the whole by which market value is reduced because of functional incurable depreciation is entirely a matter of judgment and cannot be considered with an arithmetical calculation. There are, of course, limits to what can be done to cure functional depreciation. For example, if an architectural style has gone out of fashion, nothing can be done and a higher factor of deduction will be applied. The opposite is true, of course, of plans that never go out of style. For instance, residential ranchers are always high on the list of examine and very much sought after by elderly and younger couples alike but for opposing reasons: a lack of stairways for the first and easy maintenance for the latter.

Luigi Frascati

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finding Morel Mushrooms - Regions and Variations in North America

British Columbia - finding Morel Mushrooms - Regions and Variations in North America

Good evening. Today, I learned about British Columbia - finding Morel Mushrooms - Regions and Variations in North America. Which may be very helpful in my opinion and also you. finding Morel Mushrooms - Regions and Variations in North America

Fortunately for morel lovers, morels grow in approximately every state of the Usa and province of Canada, and in part of Mexico. They officially are found in all of the Usa except for Arizona, Nevada & New Mexico, Florida & Georgia, Alaska and Hawaii and the provinces of Saskatchewan and Newfoundland-Labrador. Yet, at least three varieties are tasteless in Manitoba, two in Saskatchewan, one found in northern Georgia, and one in the eastern regions of Alaska.

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Morels are identified as at least 16 separate family members, from the tasteless yellow morel and black morel to the half-free and western blond morel. While each is definite to a region, many of the taxons identified are approximately indistinguishable from the tasteless yellow or black morel.

Generally, morels are found where winter temperatures reach near or below frozen on a sustainable basis, where deciduous forests allow filtered light while the late spring season, where daytime temperatures are not above 80F while the fruiting season, and where the spider-like rooting networks are able to jab and spread in the soil substrate.

For these reasons, hot, arid regions do not host morels. Similarly, deep, dark evergreen forests are inhospitable hosts. However, some varieties of mushrooms do grow under evergreens. At the same time, sandy, dry soils ordinarily are not welcoming hosts. But morels will grow in these soils where they adjoin more beneficial soil substrates. Thus, New Mexico, Colorado, Kansas, and other low-population states yield morels.

Morels need a looser substrate in which to spread their root-like filaments. Theoretically, then, astronomical regions would not be convenient terrain. Yet, morels are tasteless in the Pacific Northwest, where leafy mulch provides the needed soil conditions, and spring light, moisture and warmth is abundant.

Half-free morels seem to deviate from their morel cousins' preferred sites, growing well in the mossy shoulders of small creeks and drainage ditches. These morels are found from the Dakotas to the nautical states and provinces, from Tennessee to Manitoba, and along the Pacific states.

The first-rate black morel grows abundantly in the Midwest, along the Pacific Northwest, Colorado & New Mexico, and even in Mississippi.

The first-rate yellow is even more wide-ranging, from the west, throughout Manitoba and central Canada, central and south central Usa, and even the eastern seashore states, while its sister, the Western Blond, is ordinarily found in Wyoming, Oregon and Washington.

Even in the Yukon and eastern Alaska, a unique morel, the fuzzy footed morel, can be found in abundance, venturing into British Columbia, Washington, Oregon, Idaho and Colorado.

All varieties are distinctively cone-shaped, and equally delicious. All are welcome spring snacks over all of North America, and can be found with a diminutive determination, and lots of luck.

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Greenpeace International

British Columbia - Greenpeace International

Good morning. Yesterday, I learned all about British Columbia - Greenpeace International. Which may be very helpful if you ask me and also you. Greenpeace International

Established in 1971 in British Columbia, Canada Greenpeace International is the most successful and essential environmental assosication on the globe. Greenpeace International has been aggressive in many campaigns, particularly in efforts to stop nuclear testing, and nautical protection. Greenpeace has been active in intently protesting against genetic engineering, the custom of bottom trawling, deforestation, global warning and nuclear power, just to name a few.

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The headquarters of Greenpeace International is settled in Amsterdam, with active fronts in 41 other countries nearby the world. Local chapters work independently to carry on the work of Greenpeace in their own environment, which come under the umbrella of the greater Greenpeace International organization, with a pyramid type infrastructure.

Financially supported from very much a grass-roots level, infrastructure and its very foundations have been funded by over 2.8 million supporters and charitable organizations. Greenpeace has been sufficient largely due to its independence from governments and corporations. Greenpeace International aims to apply peaceful and creative measures of transportation to present the population of the world global environmental problems. The key focus of Greenpeace is to ensure the world's biodiversity remains healthy. With the empathies on peaceful transportation Greenpeace puts itself in a position to gain the attention of the world's media. Its members for example will place themselves in the middle of a whale and the harpoon. Greenpeace have even been known to have its volunteers infiltrate the G8 summit in Germany on jet skis for greater media coverage.

Greenpeace International runs any large scale campaigns together that fit into their priority agenda, with a rotating set of issues. Greenpeace aims to present solutions to the world environmental concerns by lobbying for preparing of nautical sanctuaries, and actively searching for sources of renewable energy. Currently Greenpeace international are focused on ways to stop the effects of global warming, preserving natural forests and preserving the lucidity of the world's oceans.

Greenpeace international is proactive in the encouragement to eliminate toxic chemicals and harmful carcinogens from improved output methods. Greenpeace international also endeavors to promote sustainable low impact agriculture across the globe for the good of all.

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Just a little Story of How These little Birds Have Such a Desire to Be Home

British Columbia - Just a little Story of How These little Birds Have Such a Desire to Be Home

Good morning. Now, I found out about British Columbia - Just a little Story of How These little Birds Have Such a Desire to Be Home. Which is very helpful in my experience so you. Just a little Story of How These little Birds Have Such a Desire to Be Home

My son John always was concerned in pigeons, and it was decided he would buy two pairs. This stock was very well known in the area and the birds were getting on in years. The area they were from was about 400 miles from his place. I am talking about valleys and mountains, all watched by the hawks and eagles seeing for the poor bird that is lost. You must get the idea of what I am talking about.
Once this bird ventured up that valley towards the interior of British Columbia she was as good as dead.

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British Columbia

John had been told to never let these birds out as they would just fly home no matter what.

He has a small pigeon loft with an outside run so the birds could have a small area outside so they could see the sky.

Of course human nature took it's course and the two pairs have had some beautiful babies. Naturally, he let these babies out of the pigeon loft to fly nearby when they were strong enough.

Unfortunately, Juliet, one of his breeding hens managed to squeeze her way out and we thought, goodbye forever. Her wings had been clipped so we view there was no way she would ever return. We view she would try to get back to where she had come from, and with the clipped wings she would be picked up by some hawk.

What else could we think, it is called nature. What occasion would she ever have, all was against her.

We are talking about a hobby here, pigeon racing.

I am sure you can understand the joy we felt, when, outside the pigeon loft, 2 and a half days later, there, she was sitting on top of the pigeon loft all bedraggled and seeing half dead. Our small pigeon hen.

Because she could see the sky while running in the pen, her instincts had guided her home.

We all know that with this hobby of pigeon racing, we all enjoy these moments.

Good fortune to all and great pigeon racing for the upcoming season

John Morton Vancouver British Columbia.

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Oregon Grape Root - It's Not What You Think

British Columbia - Oregon Grape Root - It's Not What You Think

Good afternoon. Today, I discovered British Columbia - Oregon Grape Root - It's Not What You Think. Which could be very helpful if you ask me therefore you. Oregon Grape Root - It's Not What You Think

Oregon Grape Root (Mahonia aquifolium) is native to the Pacific coast of North America, and grows plainly from British Columbia south to California. What a lucky plant to grow in such a gorgeous place!

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Its pretty yellow flowers and leathery, holly-like leaves make it a nice decorative landscaping plant. The deep purple berries are really edible, with adequate sugar, although you probably wouldn't stand there in the yard stuffing your face with them. The root is really the target of herbalists and curative researchers.

Medicinal Uses

Oregon Grape Root tincture or tea kills bacteria and reduces inflammation. It's been used to treat such varying diseases as giardia (beaver fever), candida (yeast infection), viral diarrhea (now, that's a bummer) and even cholera. In China, studies show that Oregon grape root speeds rescue from chemotherapy and radiation therapies.

Eczema and psoriasis sufferers have been testing a pharmaceutical product called Relieva, which contains the root as one ingredient and eases inflammation, irritation, and itching. This cream may be difficult to find in the United States, but someday we'll get over our fear of alternative medicine. (I'm keeping my fingers crossed!)

Oregon grape root is used by herbalists as an alternative to goldenseal, which is a similar but over-harvested plant. This range is easier to grow. Bitter herbs are known for their digestive system-strengthening properties, and this root is no exception.

The Oregon Grape is not any kind of relative to the real grape, but rather it's a cousin to barberry. It gets its name from the juicy (but bitter) clusters of fruit which seem grapes but taste nothing like them! Some folks do make jelly with the fruit.

Interesting uses of Oregon grape root: Here is yet an additional one bitter herb that's reputed to rid you of intestinal worms. You'd be surprised how many population have intestinal worms and don't know it, though.

Cautions: Don't use a tea of right Oregon grape root for more than 7 days in a row. When mixed with other herbs, the lower dosages are fine. Pregnant women, of course, are cautioned against eating or drinking whatever at all during pregnancy. Consult a certified nutritionist or your doctor.

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Mediterranean Diet condition Benefits

British Columbia - Mediterranean Diet condition Benefits

Good morning. Now, I learned all about British Columbia - Mediterranean Diet condition Benefits. Which may be very helpful if you ask me and also you. Mediterranean Diet condition Benefits

The Mediterranean diet has many health benefits. Wondering researchers have spent years trying to search for why. Although many regions have adopted a much more westernized diet habit which has resulted in a mounting obesity issue, communities that still follow the primary Mediterranean diet continue to perceive health which is the envy of the western world.

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The Mediterranean diet consists primarily of fresh, wholesome plant food like whole grains, vegetables, fruits, nuts, legumes, olives, fish and seafood. They concentrate this with reduced amounts of red meat and dairy products.

The Mediterranean diet is more nutritious because foods are less processed. Processing food, and even cooking it, deprives it of nutrients. But in a primary Mediterranean diet, most foods are eaten raw or lightly cooked. When red meat is served it is regularly trimmed of excess fat. The extensive diet provides plentiful fiber, wholesome fats, vitamins, minerals, protein and needful fatty acids required by the body to enounce health and forestall persisting illnesses like heart disease and cancer.

Another famed aspect of the primary Mediterranean diet is that not every meal contains animal flesh (i.e. Meat or fish). There are commonly days with no animal flesh being consumed at all. On these days, the protein portion of the meal is derived from things like beans, nuts, seeds and eggs. Although eggs are still animal products, new study indicates that eggs do Not growth blood cholesterol as scientists and doctors used to believe. Other modern day alternative to meat is tofu which comes from soy beans. While this is not a part of the diet, it would unmistakably be a worthwhile increasing to it.

All of these things follow in the Mediterranean diet being high in monounsaturated fatty acids, otherwise known as M.U.F.As which are wholesome fats. Diets containing M.U.F.As (and polyunsaturated fats, or P.U.F.As) rather than saturated and trans fats, tend to supply definite health benefits together with reduced risk of:

Heart disease High Cholesterol Stroke Cancer Type Ii Diabetes Parkinson's Disease Alzheimer's Depression Metabolic syndrome

Lets take a closer look at these.

Reduced risk of heart disease and high Cholesterol

High levels of saturated fats follow in increased cholesterol in the bloodstream. Over time, the cholesterol attaches to the walls of arteries causing a narrowing of the arteries that can lead to blockages, heart attacks and heart disease. Quite clearly, the reduced estimate of saturated fat in primary Mediterranean diets results in lower cholesterol levels. In some cases, high cholesterol is hereditary and is caused by the liver producing too much. A wholesome diet containing high amounts of Omega 3 fatty acids is proven to actively combat this issue and can have a needful lowering follow on cholesterol levels.

Reduced risk of Stroke

A Columbia University healing center study in which researchers followed 712 participants over a six year duration discovered that participants who followed a moderate Mediterranean diet were 21% less likely to perceive a stroke. Participants who followed a precise diet were 36% less likely to perceive a stroke.

Reduced risk of cancer

According to a study by the agency of Clinical Sciences, University of Las Palmas de Gran Canaria, Spain: "There is a 'probable' protective role of the Mediterranean diet toward cancer in general." A National Cancer institute study of 500,000 citizen found that citizen who consumed more than 4 oz (113g) of red meat daily were 30% more likely to die from Any cause over 10 years than those who consumed less. Sausages and processed meats increased the risk even more.

Reduced risk of Diabetes

Consumption of involved carbohydrates and high fiber foods reduces the Glycemic Index of foods and low Gi foods forestall spikes in blood sugar levels. So a low Gi diet such as the Mediterranean diet tends to forestall diabetes... See the section on Metabolic syndrome below

Reduced risk of Parkinson's & Alzheimer's

Some studies indicate that citizen who bond to the Mediterranean diet have lower rates of Parkinson's and Alzheimer's diseases. Researchers are unsure why this is the case but they believe that wholesome food choices improving cholesterol, blood sugar levels and blood vessel health may be the cause.

Reduced risk of Depression

British Researchers studied depression and diet in more than 3,000 middle-aged office workers for five years. Their findings indicated that citizen who ate a diet high in processed meat, chocolate, sugar, fried food, refined cereals and high-fat dairy products were more likely to suffer depression. But citizen who ate a diet rich in fruits, vegetables and fish similar to a Mediterranean diet were less likely to suffer depression. Their findings retain other study that has found that wholesome diets can safe against disease.

Reduced risk of Metabolic syndrome

Many overweight and obese citizen suffer from a health called Metabolic Syndrome. Metabolic syndrome is a group of conditions - high blood pressure, a abnormal blood sugar levels, inordinate body fat nearby the waist or abnormal cholesterol levels - that occur together. These growth the risk of heart disease, stroke and diabetes. citizen on the Mediterranean diet have been found to be less likely to be overweight, thus reducing incidence of this condition.

So, as you can see, adopting a primary Mediterranean diet has many worthwhile health benefits. It has even been found to reverse many persisting diseases such as type Ii diabetes, high blood pressure, angina and even improving mobility in citizen who suffer from arthritis. So maybe it's time you tried this delicious, wholesome diet!

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Yoga, The Hot New Trend?

British Columbia - Yoga, The Hot New Trend?

Good afternoon. Yesterday, I discovered British Columbia - Yoga, The Hot New Trend?. Which could be very helpful for me so you. Yoga, The Hot New Trend?

Yoga, as most of us know, is the antique convention of breathing, meditation and a performing of unavoidable postures. Practicing yoga has gained popularity in modern years and is now starting to gain a lot of concentration from the material world. This has its serious practitioners involved that the speculate behind it's use will be lost in the grab for cash. Many people that convention yoga, or are attempting to learn it, are people that are well educated and are commonly found to be doing above mean financially. They are also the types of people willing to spend more money on things that are perceived to be best for the environment. Yoga is now becoming an 'in' thing to do. Because of this a good many people are jumping on the bandwagon and have started to sell all of the 'extras' that are used to enjoy yoga. Entrepreneurs are pursuing this store with a vengeance. These include: books, videos, music, clothes and even the toe socks are production a comeback. A lot of entrepreneurs are happy that they are able to adhere to yoga's natural curative system while also turning a great profit. And a lot of investors are now being attracted to this trend as a means to make some serious cash.

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Americans alone spend over .95 billion a year on yoga classes, clothing, videos, equipment, yoga holidays and more. Aging baby boomers have found it to be a less aggressive way to stay fit.

A study found that practically 16.5 million people are now practicing yoga in the United States in gyms, in studios, or at home, this is up a whopping 43 percent from a study done in 2002.

In Vancouver, British Columbia, the firm Lululemon Athletica has found there to be a rise in sales of yoga apparel to 0 million since they opened in 1998. people are snapping up the trendy pants and tops to wear to yoga class and they are becoming more and more favorite for wearing to the grocery store or even to wear out to dinner.

Spas are looking that combining yoga classes with massage, facials and alternative treatments such as acupuncture, are a way to apply a whole mind and body renovation process.

While spas are enjoying the money to be made by using yoga as a part of their product package, many consumers are now arrival to enjoy it's many benefits and to comprehend that there are less stressful ways to stay fit and healthy.

Even some schools are now starting to teach yoga. They are realizing that it is the essence of what's missing in the lives of many contemporary teens: a connection between their mind and body. An antique art that has been used for centuries to learn and enjoy a peaceful time, while reducing stress and to cultivate an enthusiasm for exercise. This could not have been rediscovered at a best time. After all, it is not news to anything that has seen the stories on television that kids and teens are fatter and less active than ever these days.

According to a study done in 2002 by the National center for condition Statistics it was found that 16% of young people ages 6-19 are overweight. The figures are probably much higher today and we all know just by walking colse to town that more and more adults are overweight too.

In a time when all things is rush rush and we are all eating more fast food than ever, while leading more and more stressful lives; maybe we all just need to take a wee time to relax. Enjoy some yoga and de-stress.

Ahhhh, it makes a body feel good.

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T'ai Chi Ch'uan Benefits and History

British Columbia - T'ai Chi Ch'uan Benefits and History

Good morning. Now, I learned all about British Columbia - T'ai Chi Ch'uan Benefits and History. Which could be very helpful in my experience therefore you. T'ai Chi Ch'uan Benefits and History

Benefits

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T'ai chi ch'uan was originally taught as a martial art and longevity exercise. In the early 20th century the health benefits were discovered and it took on a new persona as a preventive rehabilitation or wellness exercise. It was later promoted by the Chinese Government to keep the citizens healthy. The martial art aspects then took a back stage to it being a health exercise in China.

Consumer Reports (Cr, Feb 2000, p 45) calls t'ai-chi the "Ultimate low-impact exercise", an exercise that can be done by any one who can walk, the only caveat being habitancy with knee problems may have problems doing it. Cr claims t'ai-chi can improve cardiovascular durability as well as improve posture, strength and balance. Cr sites a 1992 Australian study that found it had the same succeed as brisk walking on heart rate, blood pressure and stress hormones. Scientific studies have found that it can lower blood pressure, improve balance, improve circulation and make seniors feel empowered.

According to Dr Robert Whipple, a gait and equilibrium expert, "T'ai-chi has come up with the best potential biomechanical scenarios for keeping a man garage - to maximize your standing base by widening your stance, and to keep your head and torso as vertical as possible." (Cr, Feb 2000) The methods showing the best results have the feet in a wide stance position, with the back and head held straight upwards. As the t'ai-chi classics stay the head is held, "As if suspended from above." There should be no leaning over, forward, back or to the side.

Recently t'ai-chi has been shown to help habitancy who have fibromyalgia, arthritis, equilibrium problems and high blood pressure. It is a low intensity, low impact, low intensity aerobic exercise.

History of T'ai Chi Ch'uan

T'ai-chi ch'uan (also spelled taijiquan and taiji chuan) is an aged Chinese martial art that comes in so many variations that it's often confusing to the layman. Some styles can trace their lineage back to the founding of the art, while others date back to the early part of the 20th century. Some stress competition, while others emphasize health or self-defense. Obviously, without the proper information, choosing the one that is best for you can be a daunting task. This record will present an overview of the major styles of tai chi, and after reading it you'll be able to understand how one style begot another. And you'll be able to more easily pick one that is right for you.

Before examining the many styles and sub-styles of the art, however, it's wise to heed the advice of t'ai chi ch'uan Grandmaster Tchoung Ta-tchen. He insists that all are valid and useful to the pupil as long as the basic t'ai chi concepts are adhered to - even though many teachers proclaim that theirs is the only spoton method.

First, the Art

T'ai-chi ch'uan is commonly easily translated as "grand extreme boxing". I see this as meaning, instead of being an immodest title, the "grand ultimate" part of the name refers to the Chinese understanding of the origin of the universe. That is the principle of yin and yang. In fact, the tasteless yin-yang fastener is properly called the t'ai chi diagram. I see t'ai-chi ch'uan being the art of the harmony of yin and yang, in tangible form.

The history of t'ai chi is foggy at best. There are many conflicting stories from the past, and the obscuring continues right up to the present. To make matters worse, there are many revisionist versions of t'ai chi's history which are expounded by those out to promote their own style as the best, or the most authentic. So it is difficult to get the full story.

The foundation concepts of t'ai chi ch'uan, which come from Taoism and Confucianism, go back to the starting of written history in China. They come from Lao Tzu's monumental text, Tao Te Ching, from the I Ching and from discrete other health-promoting and breathing exercise treatises. The actual art can be traced back only 300 to 700 years, however. The founder is said to be Chang San-feng (Zhang Sanfeng), who is understanding to have lived from 1279 to 1368, but no one knows if he easily existed. Some experts claim him as just being a myth, while others argue he did exist and there are monuments to him in China.

Many believed Chang San-feng was a Shaolin monk who decided to leave the monastery to become a Taoist hermit. On Wu Tang (Wudang) mountain, he gave up the hard fighting style he had learned and formulated a new art based on softness and yielding. One story tells how he had a foresight between a snake and a crane (although some say it was a magpie, an eagle or a hawk). In theory, the crane should have had an easy time killing the snake, but in Chang's vision, the crane would try to charge the snake's head, and the snake would evade and hit the crane with it's tail. When the crane would try for the snake's tail, the snake would bite the crane. This resulted in the discovery of the basic t'ai chi concepts of evading, compliancy and attacking.

Chang assembled a martial art that used softness and internal power to overcome brute force. He is believed to have written: "In every movement, every part of the body must be light and agile and strung together. The postures should be without breaks. Request for retrial should be rooted in the feet, released straight through the legs, directed by the waist and expressed by the fingers. Mammoth and insubstantial movements must be clearly differentiated."

This marked the starting of t'ai-chi ch'uan, but at that time it was called chang chuan, or long boxing after the endless flow of the Changjiang (Yangtse) River. Later, Chang formulated the 13 postures of t'ai chi. While no one knows what his art looked like then, it is understanding that the movements were practiced as private techniques and/or concepts.

The next major historical figure was Wang Tsung-yueh (Wang Zongyue), who wrote the second t'ai chi first-rate and first referred to the art as t'ai-chi chuan. He also coined the statement, "a force of 4 ounces deflects 1,000 pounds." He is understanding to have extensive the original 13 postures into a related choreographed form. Some historians believe Wang easily founded the art, while others dispute his existence as well.

Ch'en Style

Another candidate for the role of t'ai chi founder is Chen Wang-ting. Some believe he created the art based on his military experiences, his study of local boxing methods and his gleaning of classical texts like Ch'uan Ching (Boxing Classics), which was written by Chi Che-kwong (Qi Jiguang) (1528 - 1587) as a compellation of known methods.

Chen advanced several forms, and his family passed them along only to its members. At the 14th generation, around the late 1700s and early 1800s, Chen's style split into the "old-frame" and the "new-frame" versions. The New frame was taught by Chen Yu-pen, and the Old frame by Chen Chang-hsing.

It was at this time that an outsider learned the art and started occasion it up to the rest of the world. These days, students can learn several versions of the Chen style - including the old frame, new frame and modern forms- as well as offshoots which advanced in towns placed near the Chen family village. There are many variations of Chen style.

The Chen form requires the body to be straight and upright. Variations of the horse stance are emphasized. In the most favorite version, which was taught by Feng Zhiqiang, the basic stance has the toes pointing outward slightly. Other forms use a parallel-foot horse stance. In all reputable versions, the knees are positioned directly above the toes. Most movements are executed with a sideways orientation - as if one's opponents are standing to the side. The two of the most preponderant and highest level teachers today are Chen Xiaowang and Feng Zhiqiang who teach distinct versions of Chen style.

A novel part of the Chen style is the multitude of explosive movements: jumps, strikes and kicks. There is an emphasis on "silk-reeling energy", or the spiraling power that flows from the feet to the hands. Even understanding the art is performed quickly, the practitioner should remain loose and relaxed. Any tension or disjointed movements mean it is being done incorrectly. It is difficult to convention the Chen style correctly because of the ease with which immoderate force and muscle tension can creep into its movements. Perhaps this is why some hard stylists can do impressive imitations of this style - but without using the spoton concepts. It may also be the reckon the Chen style appeals to martial arts students who need a tangible sense of speed and force.

Yang Style

Yang Lu-chan (1799 - 1872) learned the old-frame style from Chen Chang-hsing. Many stories tell how this took place. A favorite one holds that Yang wanted to learn the art, but the Chen family would not teach outsiders. So Yang took a job as a servant for the Chen's and learned t'ai-chi by watching straight through a crack in the wall. Afterward, he would convention what he learned when he alone in his room. One day he was discovered and asked to spar with the other students. He easily defeated all of them and was taken under the wing of Chen Chang-hsing, who then taught him the whole old-frame style. Yang is said to have spent the next six years studying under Chen. (Some historians say he studied for 13 years and others 18 years)

Yang eventually returned to his hometown of Kuang Ping (also spelled Guang Ping) and taught the old-frame Chen style. He later traveled to Beijing and became a military martial arts teacher for the Manchu government. After he altered the sequence of the movements in his form, it later became known as the Yang style.

Some modern practitioners claim that Yang watered down the art he taught to the Manchus and reserved a distinct version of it for his townspeople and family. But this may be just a selling point for those who insist they teach the only "authentic" form.

It is prominent to remember that Yang played a pivotal role in occasion the once-closed art to the exterior world. Two facts are significant: He learned the old-frame Chen style, and he was never beaten in combat. Even as a beginner, he defeated all of Chen's students. For those who claim he didn't learn all the secrets of the Chen family, this action speaks louder than any speculation. Because of his victories in challenge matches, he acquired the nickname "Yang the Invincible". Nevertheless, he always avoided hurting his opponent in a match. Two of his sons carried on his art and family tradition: Yang Pan-hou (a.k.a. Yang Yu) and Yang Chien-hou (a.k.a. Yang Jian). The senior Yang also taught Wu Yu-hsiang and was friends with Tung Hai-chuan, who was the founder of pa kua chang (bagua zhang) another major "Internal Style" of kung-fu. It would be easy to reckon there was some work on of pa-kua over the Yang's t'ai-chi ch'uan and Yang's t'ai-chi ch'uan over Tung's pa-kua chang.

Old Wu Style

Wu Yu-hsiang (Wu Yuxiang) (1812-1880) studied under Yang Lu-chan for an extended time. He then traveled to the Chen family village, and for three months he studied the new-frame style, with Chen Ching-ping. After that, Wu founded his own version of t'ai chi, which is now called the Wu style, the old Wu style or the "Orthodox Wu style". This is a distinct family name and style than the Wu who studied with Yang Pan-hou and formed the "New Wu" form (described later). Some habitancy call this form Hao Style after Hao Wei-chen. Wu is responsible for the first-rate text titled Expositions of Insights Into the convention of the 13 Postures. Three major offshoots stemmed from Wu Yu-hsiang: the Li, the Hao and the Sun styles.

Li Style

Li I-yu was Wu Yu-hsiang's main disciple. He wrote several t'ai chi classics, including The Five Character incommunicable and Essentials of the convention of Form and Push Hands. That text was based upon a incommunicable manuscript, assertedly written by Wang Tsung-yueh, which the Wu family claimed to find. Li style is carefully a small frame form.

Hao Style

Li I-yu taught Hao Wei-chen (Hao Weizhen) (1849-1920), who then founded the Hao style of t'ai chi. This is another small-frame form, which means it uses tight small-circle movements and shorter stances. This is called small frame (Xiao Jia) and the Hao style name is often used for Old Wu form.

In 1914 Hao embarked on a trip to visit a friend named Yang Chien-hou, who was Yang Lu-chan's son and a major figure in Yang style. Hao ended up contracting an illness before he could find Yang. A familiar hsing-i master named Sun Lu-tang came to his aid, and Hao repaid him by teaching him his fighting style. Sun was already preponderant for his hsing-i ch'uan and pa kua chang skills, but he decided to concentrate the Hao style of t'ai chi with the other two arts to form a new system called the Sun style, after Sun Lu-tang.

Sun Style

Like the Hao style, the Sun style is carefully small frame. It employs many "step-ups" into its techniques, and this fact makes it somewhat similar to hsing-i. The Sun style also used short stances and straight leg kicks, but jumps have been taken out of its repertoire. It is said that the art melded pa kua chang's steps, hsing-I ch'uan's leg and waist methods, and t'ai chi's softness. This is often called the "lively paced" form (Huobu Jia). The Sun style was carried on by Sun's daughter, Sun Jian-yun who teaches in China.

Sun Lu-tang (1861-1932) is also familiar because he was very literate and a prolific writer. This made him a rarity among martial artists of that time. He authored several books and in the late 1800's popularized the term nei chia chuan, which translates as "Internal family Arts" or "Internal Martial Arts." The term Internal Martial Arts caught on and had a conceptual work on on other arts, which easily is distinct than the meaning of the term. The understanding of Internal Arts referred to Arts advanced within China such as T'ai chi ch'uan, Hsing-I Ch'uan, and pa-kua chang. External arts are those based on Shaolin ch'uan which came from India. This idea often confuses habitancy as they think it means having to do with "Internal power".

New Wu Style

Yang Lu-chan's two sons carried on his brand of t'ai chi ch'uan. One of them, Yang Pan-hou, taught a modified small-frame style. He is also reported to have taught a watered-down form to the Imperial family and still another form to his towns-people.

Several versions of t'ai chi are now attributed to Yang Pan-hou. The most preponderant is the other Wu style or "Medium Frame" form of Wu Jian-chuan (Wu Jianquan) (1870 - 1942) and another is Kuang Ping style (described later). Yang taught Wu Chuan-yu, who taught his son, Wu Jian-chuan. This style is called the "New Wu style" by some, and is definite from the Wu style of Wu Yu-hsiang.

Some Wu stylists advocate using a pronounced lean in many of the techniques to help the pupil gain leverage and power. Other Wu practitioners remain upright as in the Chen style. The original form had 108 to 121 movements, but several short and modified versions of Wu style now exist.

Kuang P'ing - Guang Ping Style

Another t'ai chi ch'uan offshoot from Yang Pan-hou is the Kuang P'ing (also spelled Guang Ping) style, which Yang assertedly taught at one point in his life. It's lively to note that there are very few similarities between the Kuang Ping style and the Wu style. The Kuang P'ing form is more open and linear, and it uses a more sideways-oriented stance. It also has very extended arm movements and sometimes appears to be a bridge between the Ch'en style and the Yang style. As in the older Yang forms, the upright stance is used.

The Kuang P'ing forms use an upright stance and straight-leg heel kicks and jumping kicks. It is commonly done at a faster pace, at least faster than the later Yang forms. The form also includes some fast step-up movements which are similar to those found in hsing-i ch'uan. Most of the techniques in the Kuang Ping form are distinct from those of the Chen, Yang, or Wu forms. Some experts, such as Andrew Dale, a t'ai chi & pa-kua master in Seattle, say there is a large pa-kua chang emphasis in the form.

Several versions of the style are taught today, mostly in California. Some other instructors teach the art but call it the Ch'en style.

Yang Pan-hou taught the Kuang P'ing form to Wong Jiao-yu. His followers claimed it was a incommunicable of the Yang family's that was never taught to the hated Manchus. Wong supposedly taught Kuo Lien-ying, who was already a master of northern Shaolin kung fu. Kuo was also a preponderant master of pa-kua chang. Kuo later shortened the form and taught his condensed version to thousands of students. When Mao Tse-tung seized power in China, Kuo fled to Taiwan and later to San Francisco's Chinatown, where he taught the art.

Kuo has many students who also teach versions of the Kuang P'ing style; some of these are very distinct from what he taught. They include his wife Simone Kuo, Henry Look, Y.C. Chiang, Tom Brayne, and T.R. Chung. Kuo wrote two books, one of which was translated into English as Tai Chi Chuan in system and Practice, translated by T.R. Chung and has pictures of Kuo doing his form. Harvey Kurland, the author, also studied directly with Kuo.

Old Yang Style

Yang Chien-hou (1842-1917) taught large-, medium-, and small-frame styles of tai chi. He was easier to get along with than his brother and had more students. One story told how he once held a sparrow in his hand and used his sensitivity to forestall the bird from taking off by neutralizing its push. In another story, armed only with a brush Yang is said to have defeated a martial artist who was wielding a sword. His sons, Yang Shao-hou and Yang Cheng-fu, carried on his art. Some of Yang Cheng-fu's students originally trained under his brother, Yang Shao-hou. Consequently, they inherited the power of that form.

Stories of Yang Shao-hou described him as being brutal and often injuring or killing his students. Consequently, he did not have many followers, but the ones he did have were good martial artists. The familiar ones include his son Yang Chen-seng, Tian Shao-lin, Hsiung Young-hou, and Chang Ching-ling, all of whom carried on his unique small-frame method.

After Yang Shao-hou died, his students became followers of his brother, Yang Cheng-fu. Some tai chi historians claim that many of the senior students of Yang Shao-hou, believing their skill was higher than Yang Cheng-fu's, went off on their own after Shao-hou died. Thus, they were written out of the official lineage, and some practitioners do not think their versions of the art authentic.

Some experts claim that Tian Shao-lin and Hsiung Young-hou were also students of Yang Pan-hou. Tian taught Shi Tiao-mei, who taught Tchoung Ta-tchen. Hsiung Young-ho also taught Tchoung Ta-tchen - as well as Liang Tung-tsai and several others - the san shou form. Researcher Andy Dale refers to this San Shou form as another "secret" Yang style, which Yang Shau-chung claimed was derived from the Chen Ar Lu style (pao chui, or cannon fist), as taught by Yang Lu-chan.

Yang Cheng-fu style

Yang Cheng-fu (1883-1936) was one of the most prominent historical figures in modern t'ai chi ch'uan. He taught a "Large Frame" t'ai chi form that used slow, smooth, Mammoth movements. It was often said that he felt like a steel bar wrapped in cotton. Legend has it he was never defeated in combat. Chang Ching-ling an advanced pupil of Yang Shao-hou also practiced with him and may have helped establish Yang Cheng-fu's skill.

Yang taught at the Central Kuo Shu establish in 1926. When he moved south to Shanghai, he modified the Yang form, taking out the fast kicks and the more strenuous movements. He is also credited with emphasizing the health benefits of the art and popularizing it among the educated class. Yang deserved much of the prestige for the current popularity t'ai-chi ch'uan and especially of the Yang style. Some claim he taught one art to the collective and another to his closest disciples. Though many experts deny this idea. His form is referred to as "Yang family Style", as the "Family" designation is only thorough for familial relations.

Tchoung Version Old Yang Style

Tchoung Ta-tchen taught the "Dual form" of the Old form of the Yang style form. His is a symmetrical form in that all movements are done on the right and left sides, which is distinct than most thorough forms which are one sided. This symmetrical movement is understanding to promote greater benefits for the nervous system and for coordination, though is more difficult to learn at first. There is also an emphasis on the "Silk Reeling Energy" which is omitted from many other Yang versions. It also emphasizes pull-down, shoulder and elbow techniques as well as some fast kicks, which the more modern Yang Forms have removed. At 274 movements, this form is much longer than the thorough versions; it easily takes an hour to complete. Tchoung's "annotated form" is composed of 120 movements.

Tchoung's formula can be traced back to Yang Pan-hou and Yang Shao-hou, depending on which historian is believed. His students also teach his short form, pushing hands, applications, san shou, walking stick form, t'ai-chi chien, t'ai-chi tao and several other sword forms.

Tchoung also trained with Hsiung Young-ho (1886-1984), who was a pupil of Yang Shao-hou. From Hsiung he learned the san shou fighting form. He trained in push hands with Cheng Man-Ching and was a friend and convention partner of Kuo Lien-ying, Wang Shu-chin, Yuan Tao and Wang Yen-nien.

Tchoung studied ch'i kung at China's O'mei Shan (Emei Shan) monastery in 1942. Tchoung also studied the "Nature School of Boxing" with Hsiung Chien-yuan of Hangchow. He was a preponderant swordsman and studied many systems of sword. Teaching several methods to his followers.

Like his friend Kuo, Tchoung traveled around and tried out other martial artists. If he heard that master was supposed to be good at push hands, Tchoung would visit him. According to Laurens Lee: "He was preponderant in t'ai-chi ch'uan push hands in Taiwan. While that duration of time, there was a statement in Taiwan's martial arts field: 'Big Tchoung cannot be moved, and itsybitsy Tchoung cannot be pushed off balance.' Big Tchoung referred to eagle-claw master Tchoung Fu-sheng, and itsybitsy Tchoung referred to Tchoung Ta-tchen." There are many students and teachers of the Tchoung system in Canada and the Usa.

Fu Style

Yang Cheng-fu taught several familiar instructors, including his son Yang Shau-chung, Tung Ying-chieh, Chen Wei-ming and Cheng Man-Ching. Each went off to teach his own version of the Yang style. Fu Zhen-song studied with Yang Cheng-fu and Sun Lu-tang, then formed his own style, which he called the Fu style. It combines t'ai-chi, hsing-i and pa kua chang.

Fu advanced the form called liang-i, as well as his own version of pa kua. Fu's forms include a lot spinning, twisting, body ripping, and backward and forward leaning. It is a very active and energetic form, which is a favorite competition form. familiar teachers include Bow Sim Mark in Boston, Massachusetts; and Victor Fu in Vancouver, British Columbia, Canada.

Tung (Dong) Style

This is a incompatibility of Yang Cheng-fu's form that is favorite in Hawaii and Los Angeles. Tung Ying-chieh (1888-1961) is a preponderant teacher of the Yang style and was Yang Cheng-fu's assistant. He also helped edit Yang's book and wrote some of his own. Tung later advanced his own form, which he taught his students after they learned the thorough form. His son, Tung Fue-ling, taught the style in Hong Kong, Hawaii and Los Angeles.

The Tung version of the Yang style became favorite in Los Angeles and Hawaii. Huang Wen-shin, a pupil of Tung Ying-chieh, is commonly credited with popularizing t'ai-chi ch'uan in the Southern California area straight through his classes and his book, Fundamentals of Tai Chi Chuan. Huang's students are still teaching a modified version of that form.

The Tung style is said to have descended from the Yang Cheng-fu form, and the Tung family added fast forms it advanced and other forms. The style is characterized by higher elbow positions, angularity, a greater amount of hand tension and reduced usage of the waist than the Chang Ching-ling or softer derivatives. Some observers believe that the Tung form seems to place more emphasis on peng (ward-off energy) and less on yielding. It is a very straight forward form of t'ai-chi ch'uan. Tung Fue-ling's son Tung Kai-ying, teaches in Los Angeles.

Cheng Man-Ching Style

Cheng Man-ch'ing was a familiar pupil of Yang Cheng-fu who wrote several books, including his preponderant Cheng's 13 Chapters on T'ai-Chi Ch'uan. He was preponderant for his pushing hands and had many students in Taiwan. Some historians have recommend that Cheng also trained with Chang Ching-ling and other students of Yang Shao-hou, but Cheng officially recognized only Yang Cheng-fu as his teacher.

Cheng at first taught the thorough form but later shortened it to 37 movements. Cheng, who was familiar for his push hands and softness, also had very good kicking skills. He later moved to New York and started teaching there which lead to popularity of his form.

There are stories which tell how Cheng was knocked unconscious twice while lively in push hands with Yang Cheng-fu. He is also reported to not have gotten along with Kuo Lien-ying or Hsiung Yang-hou, who did not like his style. But was friends with Tchoung Ta-tchen who convention pushing hands with him. His friend Tchoung Ta-tchen moved to Canada.

Liang Tsung-tsai was his teaching assistant in Taiwan and moved to Boston where he taught his own long form version of Yang style. Liang wrote books on the art including, T'ai Chi Ch'uan for health and Self-Defense. several of Liang's students have published many books on their version of the art. Each teacher of Cheng form went their own way and there are now many versions and modifications of the Cheng Man-ch'ing form.

In Taiwan he was a preponderant tai chi instructor. There were many skilled teachers who worked with him, some stayed in Taiwan such as Liu Se-heng, who inherited his school in Taiwan. Other preponderant students who moved to the United States, including Ben Lo, T. T. Liang, Abraham Liu and William Chen.

Yang Factionalism

Many versions of Yang style are taught today. Some are called the "standard" or "authentic" versions and claim to be based on Yang Cheng-fu's 1930s form. In reality, t'ai-chi practitioners often shared information, sparred and worked out with practitioners of other styles, and this probably influenced everyone's technique. This was apparent before the cultural revolution in China and afterwards in Taiwan. No two masters seem to be doing the exact same form. According to Tchoung Ta-tchen this is to be expected, as no two person's power is the same. According to Tchoung as long as the concepts are spoton the small artistic differences are inconsequential.

Stagnant or Evolving?

There are many examples of potential sharing of ideas. For example, Yang Lu-chan was a friend of Tung Hai-chuan the founder of pa kua. Do you think they did not work out together and discuss concepts? Hao Wei-chen was a friend of Yang Chien-hou and taught Sun Lu-tang. Chen Wei-ming, a familiar pupil of Yang Cheng-fu, was friends with Sun Lu-tang and studied pa kua chang and hsing-i chuan with him. As mentioned above, there is speculation that Cheng Man-ch'ing also worked with Chang Ching-ling and Yang Shao-hou's students. Yang Shao-hou was a friend of pa-kua chang legend Cheng Ting-hua. And Tchoung Ta-tchen was friends and training partners of Kuo lien Ying, Cheng Man-ch'ing, and Wang Shu-chin among others. It is very potential that their associates influenced their arts. One would be foolhardy to not think these men learned to adapt and allow their forms to evolve. According to Tchoung. "T'ai-chi ch'uan should adapt and evolve with current technology and knowledge," he claims it is a living, evolving art form. Otherwise it is just stagnant and against the Tao (Dao).

Modern Forms

There are many new forms such as the "24 from "developed in 1956 by Committee on Mainland China. These were advanced as calisthenics exercise methods and for competition. For example the 24 Simplified form is in general Yang style used for exercise, but others such as the 48 and 66 Forms concentrate several styles methods into one form. Simplified sword forms have also been advanced for exercise and competition.

Conclusion

As enlightened martial artists are fond of saying, the study of most any style will finally advantage the student. Therefore, the pupil should pick the style that most appeals to him. It is hoped that the historical and developmental information provided in parts one and two of this record will enable martial artists to best settle which style of t'ai-chi ch'uan best fits their need. Because numerous experts devoted their life to perfecting each version of the art, they all deserve to be respected.

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