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Sleek and streamlined, this leather wallet bag is both superhandy (the divided compartments are big enough for an iPhone Plus) and supercool (the adjustable chain strap can be worn crossbody or doubled up as a top handle). Functional and fuss-free-this is the way we do a going-out purse. Made of semi vegetable-tanned leather with a softly worn waxed finish that deepens into a distinctive patina. Please note: As it is made of a natural material, each bag varies slightly in texture and color. Stud closure. Slip pocket.
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During this Thanksgiving holiday, we at Chatham got to thinking about the things for which we are thankful. Family, friends, health – the list contained the usual suspects. But this Thanksgiving, we had another reason to be thankful as we dug into the independent findings of Martin Wheatley, Managing Director of the Conduct Business Unit at the Financial Services Authority (FSA) and active Chief Executive of the newly created Financial Conduct Authority. In September, Mr. Wheatley released to the public “The Wheatley Review of LIBOR: Final Report,” a detailed, ten-step plan designed to give guidance for a policy response aimed at preventing future abuses of LIBOR and other financial benchmarks. After reading the Wheatley Review, we are thankful that the LIBOR calculation process is getting an apparently much-needed revamping.

The Scandal

In July, Chatham brought to your attention the economic impact of Barclays’ LIBOR manipulation . We reported that while it was most certainly scandalous, the economic impact for the hedger was marginal at most, as hedgers that both pay and receive LIBOR are indifferent to individual settings. The real loss was damaged market confidence resulting from a breach of public trust. The effects of such a breach weren’t to be fully understood until regulators, participating banks, and customers using financial contracts tied to LIBOR (futures, swaps, floating rate debt, etc.) determine what to do going forward. There was a general sense that LIBOR was the best we had, even if it was flawed… that is, until the Wheatley Review.

Pending Regulatory Changes

At a high level, Wheatley supports the continued existence of LIBOR. The Review’s findings confirm what we’ve experienced: there has been no recognizable market change in use or structure of LIBOR-based contracts. What will change is the institutional framework. Questions like, “What organization will be responsible for collecting and publishing LIBOR?” are the ones that will be answered in the immediate future.

Wheatley recommends that the British Bankers’ Association (BBA), under guidance from regulatory authorities, immediately begin to transfer to an independent party its administrative role in calculating LIBOR. The BBA has affirmed its support of Wheatley’s recommendations and will transfer its responsibility to a new sponsor. Those responsible for manipulating the rate in the future will face criminal charges and broader FSA investigative powers into LIBOR by amendment to Britain’s Financial Services and Markets Act 2000.

Wheatley recommends that LIBOR settings be corroborated with actual interbank lending data and use in financial contracts, suggesting that BBA member banks’ submissions are hypothetical and not necessarily reflective of the market for interbank lending. As an example, Wheatley notes that in the wake of the financial crisis and credit crunch of 2008, interbank lending had all but dried up except for the most short-dated maturities, especially in the Eurozone. If LIBOR is to be an accurate reflection of the banks’ unsecured lending, then it must be tied to transaction data. Where there isn’t supporting data, Wheatley recommends that these tenors not be reported. Specifically, Wheatley recommends that (a) the Australian, New Zealand and Canadian Dollars, Danish Kroner, and Swedish Kronor be discontinued; and (b) the remaining currencies have the four, five, seven, eight, ten, and eleven month tenors discontinued. Per Wheatley’s recommendations, the LIBOR benchmarks would be reduced from 150 to 20 rates over a 12-month transition period.

This type of shore typically occurs in relation to shorelines bordering medium large to large water bodies with dimensions from 100 km and more, storm-dominated wave climates (3m significant wave height exceeded at least 12 hours a year), micro to moderate tidal regimes, and moderate to macro storm surge regimes. There will often be a positive correlation between onshore wind speeds/wave heights and storm surge. The annual gross Sale Low Shipping Fee Buy Best Eddie Kang charm reversible tote Multicolour MCM Professional For Sale The Cheapest Cheap Price 0nwQfrw0B
is generally large, from 50,000 m 3 up to more than 1 million m 3 per year. The active coastal zone is wide, typically from 300 m and up to more than 1km.

Exposed sandy shores are characterised by great mobility, which often causes serious management problems. Management of such Outlet Locations For Sale Clearance 2018 Newest crystal embellished bag Black Red Valentino For Cheap fQtZBq
requires great care (see Human causes of coastal erosion and Natural causes of coastal erosion ).

Typical examples of exposed sandy shores are found along the European coasts bordering the North Sea, the North Atlantic and to some extent the Mediterranean and the North- and the South American coasts bordering the Atlantic and the Pacific Oceans as well as the coasts of Africa and Asia bordering the Indian Ocean, the Persian (Arabian) Gulf, the Arabian Sea, the Bay of Bengal and the South China Sea, etc. A typical exposed shore and the associated exceedance curve for waves is shown in Fig.2.

See also:

A moderately exposed shore ( [math]\Omega[/math] of order 3 or less) is characterised by a narrow beach and active coastal zone , normally with no bar or a single bar. The shore is backed by cliffs or low dunes.

This type of shore occurs when coasts are bordering relatively small bodies of water with typical dimensions less than 100 km, such as shallow inland seas and bays. They also occur on larger water bodies, such as the Gulf of Mexico or the Mediterranean Sea, where wave heights do not exceed 3m, where tides are small and where storm surges correlate positively with onshore winds/waves. A typical example is shown in Fig.3. The gross littoral transport is relatively small in both situations, in the order of 10,000 – 50,000 m 3 per year, and the shoreface zone is relatively narrow, typically 50 to 300 m.

Fig.4. Typical sheltered shore, Rødby Lagoon, Denmark.

The sheltered shore is characterised by a narrow beach or the complete lack of a sandy beach, see illustration Fig.4. The shoreface is narrow and without any bars; the coast is often covered with vegetation right out to the beach and sometimes it is marshy with only very low cliff-like scars in the coastal formations. This type of coast occurs under arctic, temperate and subtropical conditions. The littoral transport is small (typically less than 5,000 m 3 per year) and there will be hardly any shoreface zone.

Event Details

Come to the Surfside Tap Room every Thursday from 6-9pm and enjoy some live music along with your craft beer!

Come to the Surfside Tap Room every Thursday from 6-9pm and enjoy some live music along with your craft beer!

Time

(Thursday) 6:00 pm - 9:00 pm

Location

Surfside Tap Room

507 N Coast Hwy, Oceanside, CA 92054, USA

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Live Music at Barrel Republic Oceanside

12 jul 6:00 pm 9:00 pm Live Music at Barrel Republic Oceanside 6:00 pm - 9:00 pm Barrel Republic - Oceanside , 215 N Coast Highway Oceanside, CA 92054

Event Details

It’s the ultimate combination: beer and live music! From blues to island reggae, join Barrel Republic in Oceanside for an intimate live music show performed by a rotation of talent

It’s the ultimate combination: beer and live music! From blues to island reggae, join Barrel Republic in Oceanside for an intimate live music show performed by a rotation of talent every Thursday night.

Time

(Thursday) 6:00 pm - 9:00 pm

Location

Barrel Republic - Oceanside

215 N Coast Highway Oceanside, CA 92054

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Trivia Nights at Black Plague Brewing

12 jul 7:00 pm 9:00 pm Trivia Nights at Black Plague Brewing 7:00 pm - 9:00 pm Black Plague Brewing , 2550 Jason Court

Event Details

How clever are you? Come test your knowledge at BLACK PLAGUE’s uniqueTrivia Nightevents.Every Thursday they will be hosting a special version of Trivia at our taproom in Oceanside – free

How clever are you? Come test your knowledge at BLACK PLAGUE’s uniqueTrivia Nightevents.Every Thursday they will be hosting a special version of Trivia at our taproom in Oceanside – free to everyone. There will also be a food truck serving up delicious eats. This isn’t your typical Trivia night where you listen to boring, pretentious questions about world capitals and math problems. No! Black Plague Brewing will also make sure you are keeping up with current events and popular culture around beer, skateboarding, music, art, and all kinds of other useless knowledge. Err, if it helps you win this trivia challenge, then it must be useful! The winner of each night will get prizes and bragging rights, proving to all others their superior intellect and question-answering prowess. Theywill be hiding clues, hints, and ‘easter eggs’ in their social media and around the taproom, so be on the look out and pay attention! Come early, grab a table, and have a great night out in Oceanside.

Time

(Thursday) 7:00 pm - 9:00 pm

Location

Black Plague Brewing

2550 Jason Court

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Bike Night at Legacy

12 jul 7:00 pm 9:00 pm Bike Night at Legacy 7:00 pm - 9:00 pm Legacy Brewing Co , 363 Airport Road Oceanside, CA 92058

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