![]() ![]() Send stone miners to deer site to begin TC (should start around 5:00) Once you have 400 food, send 5 vils from sheep to stone (around 2:50) Official to mill, Cash out the tax income vil makes house and wood camp Once again, this was eyeballed from a stream, so any improvements anyone who knows more about this build than I want to make are welcome!ĮDIT: /u/Burning_titan (original?) variation that forgoes an additional IO in exchange for an approximately 20-30s quicker TC: Build Wood vills to make TC near hunt mins and send stone vills to foodĬontinue making vills, rax or stable depending on scouting info, distribute vills according to resource needs Buildĥ with sheep to mill berries, 1 to camp woodĬash out the tax income and return to supervise, vill to woodĪge up fort near gold mine with wood vills Your age up fort and TC should provide enough defense in resources that are far from your starting TC to allow for this relatively greedy play. ![]() ![]() Around 24 supply, you'll probably need to put down production structures to fend off early aggression. The build also goes for an early TC, so it's imperative to keep scouting to keep tabs on your opponent. As soon as your mill and lumber camp reach 20 tax collected, collect them with your official and immediately return to supervising your collection structures. Key to this build is using your first 2 officials to collect the gold needed for your first age up. Thought I'd jot down a rough outline of the build in a format that I hope is easy to understand. I took this build from AusieDrongo's stream, who took it from someone else in the community. Unlocks Grenadiers and Pagoda (when a Relic is placed within, it generates 50 Food, Wood, Gold, and Stone every 30 seconds also generates tax over time).EDIT2: This build feels more optimal, use it instead
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![]() ![]() Projection modelling demonstrates the annual number of hip fractures in Scotland will increase substantially by 2029, with significant implications for health and social care services. Based upon these projections, overall length of hospital stay following hip fracture will increase by 60699 days per annum by 2029, incurring an additional cost of at least £25 million. The largest percentage increase in hip fracture by 2029 occurs in the 70–79 and 80–89 age cohorts (57% and 53% respectively). By 2029, the combined average projection estimated the annual number of hip fractures at 10311, with an incidence rate of 463 per 100,000, representing a 32% increase from 2021. Hip fracture was observed to increase across all groups, notably males, and the 70–79 and 80–89 age cohorts. Accounting for predicted changes within the population demographics of Scotland, the projected hip fracture incidence up to 2029 was calculated.īetween 20 the annual number of hip fractures in Scotland increased from 6675 to 7797 (15%), with an increase in incidence from 313 to 350 per 100,000 (11%) of the at-risk population. ![]() A combined average projection was employed to provide a more accurate forecast. Projection modelling was performed using Exponential Smoothing and Auto Regressive Integrated Moving Average to estimate the number of hip fractures occurring annually from 2022 – 2029. The number of individuals with a hip fracture in Scotland between 20 was identified through the Scottish Hip Fracture Audit, enabling the annual number of hip fractures and respective incidence between 2017 – 2021 to be calculated. Furthermore, the ‘projected’ hip fracture burden and incidence from 2022 – 2029 was estimated, to inform future capacity and funding of health and social care services. This study establishes the ‘historic’ hip fracture burden, namely, the annual number of hip fractures in Scotland, and respective incidence, between 2017 – 2021. ![]() Hip fracture represents a significant challenge, placing increasing pressure on health and social care services in Scotland. ![]() ![]() Follow the level through till you come up against a Librarian. Shoot the chandelier on the ceiling and this will open the door. Next you will find yourself in a room with your colleagues stuck on the other side. When this starts flashing shoot it to let your colleagues in. If you look closely through this you will see a piece of wood propped up against another door. You will drop down into a room with a broken door. Shoot these one time and they will retract. Turn right and walk through a cobweb to find a diary on top of a broken table. As you walk into the first hallway you are led into a large room. Survive this ambush and you will be joined by two colleagues, leading you into the great library. Look for the turned over van for a safe and open it to get 'military' ammo. Now put up your compass and continue through the level till you get to the square where you are ambushed by Nosalis and have to survive. To the left of this truck is a crevice with cars and pipes. ![]() Walk through this and aim for the truck in the distance. Look to the right of the corpse to see an opening. Leave the building and turn left to find a corpse laying on the floor with a diarynext to him. Level Alleyīegin by putting on your gas mask. ![]() Just keep listening and eventually you will finish this level. While Miller is talking look behind him and to the right for another diary. Continued abuse of our services will cause your IP address to be blocked indefinitely.Walk towards the guard escorting you and he will open the doors to the council meeting, resulting in some dialog with Miller. Please fill out the CAPTCHA below and then click the button to indicate that you agree to these terms. If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. If you do not understand what is causing this behavior, please contact us here. If you promise to stop (by clicking the Agree button below), we'll unblock your connection for now, but we will immediately re-block it if we detect additional bad behavior.
![]() In Michigan and Ohio, nonpartisan general elections are combined with a partisan nominating process to create the Michigan-Ohio method. If primaries are held, they do not narrow the candidates to one per party instead, they typically narrow the candidates to two for each seat regardless of party. In a nonpartisan election, some states allow candidates to declare their party affiliations, while some states prohibit them from doing so. The seat of Republican Thomas Saylor in Wisconsin was up for election. In 2021, there was one partisan state supreme court election. Primaries are typically held to narrow down the candidates to one per party before the general election some states hold primaries in which candidates of all parties compete with each other and the top vote-getters advance regardless of party. In a partisan election, candidates may be nominated by political parties or declare their party affiliations upon filing to stand in the election. To learn more about those other selection methods, click here. ![]() In the other 12 states, justices are appointed by governors or state legislature. Thirty-eight states hold elections to select state supreme court justices, using either partisan elections, nonpartisan elections, or retention elections. State supreme court election methods See also: Judicial selection in the states
![]() ![]() ![]() ![]() Save $40 using code DADSDAY40 ahead of Father's Day. Like most practices, consistency is key, so the more you use it, the better it works. The Apollo Neuro app can control the wearable to switch between modes to keep you focused at work, help you recover after a workout, and drift off to sleep at night. Developed by neuroscientists and physicians, the technology is proven to improve heart rate variability while rebalancing your nervous system to help the mind transition from "fight or flight" to "rest and digest." Over time, your body learns to recover from stress more quickly, so you can relax, sleep better, and find deep, meaningful focus. It can be worn on the wrist or ankle or attached to your clothing and acts as a hug for your nervous system, engaging with your sense of touch by sending silent, soothing vibrations. The wellness accessory utilizes soothing touch therapy to help reduce stress and enhance relaxation, sleep, focus, and recovery. As with NEO, Eximo helps solidify the emerging premium rum categories with an entry well worth every penny of its $60 price.Many wearables track your health, but Apollo is designed to actually improve it. Eximo takes everything that Bacardi has accomplished with their 8 year rum and cranks it up to 11 (excuse the pun) in one of the most enchanting and alluring expressions of this style of rum we’ve had. The finish for the Facundo Eximo Rum is fantastic, slightly dry and incredibly long with bitter dark chocolate, vanilla, raisin, oak, and tobacco, flavors that continue to dance on the palate long after Eximo has come and gone. The midpalate is a sheer love letter to oak and presents a strong oak flavor in one of the most pleasant and satisfying ways we’ve seen. The midpalate of Eximo is all about oak, with the sweet vanilla and caramel notes from the entry combining with tobacco and slightly bitter dried raisin, interweaving with the oak notes with tight and impeccable integration. The journey isn’t nearly as dramatic with Eximo, but the shift is quite pleasant. Bacardi Facundo Eximo 10 Year Old Rum 70cl Part of Bacardis premium Facundo collection, this is named after founder Don Facundo Bacardi Masso and Eximo meaning free. As with NEO, Eximo goes on a journey from sweet and round towards dry. What’s interesting about Eximo is that it presents more oak than spice, with flavors that can be described more as deep oak, dry oak, or smokey oak than oak spice. Although the nose suggests bourbon, the entry proclaims RUM with vanilla, caramel, and toffee right there with the oak. The nose on Eximo also has a wonderful old bourbon-like quality to it, reminiscent of the character we’ve seen in 20 year old bourbons. Named after Facundo Bacard, founder of the iconic Bacard brand, this premium dark rum comes from a secret. The aromas in Eximo’s nose integrate amazingly with the sweeter notes layered in between varying levels of oak. The nose on Eximo is strong oak backed by vanilla, caramel, bananas foster, and bitter dark chocolate. In the mix are a few rums older than 10 years old (and were 1-2 years at the time of original blending), giving Eximo a total age range of 10 – 12 years. Eximo is a 10 year old rum which was blended before it was put into the barrel 10 years ago. It takes a tremendous amount of skill to do this blending BEFORE a rum is aged, and that’s what Bacardi has done with Eximo. That product must state the youngest rum in the mix, but often there are small amounts of older rums to help add dimensionality and depth. Blending after aging gives a blender a great amount of ability to balance and shape the character of a rum. Facundo Eximo Rum (40% ABV / 80 proof, $60) – a lot of aged rums are a result of blending a number of different rums together after aging into a single, unified product. ![]() ![]() ![]() A skincare routine should be followed especially during the seasonal change to be safe from breakouts. Daily regular self-care with tools like Gua-Sha, jade roller or rose quartz roller used in ancient Chinese healing and beauty treatments help to sculpt de-puff face giving anti-ageing benefits by lifting toning skin increase blood circulation and stimulating lymphatic drainage. No matter what professional care you choose to take, there is no replacement for regular self-care. Weak chin and jawline can be recreated with fillers.Īlso Read: Are Fillers And Botox Safe? Here Are Pre And Post Care Tips For Those Planning To Get Fillers Self-Care Is A Must.Contouring threads help to give a lifting and contouring look.Weak Mid face can be built up with fillers. A broader muscular lower face can be contoured with Botox microdroplets.If you have a bulky fatty lower face, your treating doctor may plan injection lipolysis or mini liposuction to remove excess fat deposits.Giving a filling effect with the help of fillers and contouring the facial units with Botox fillers threads and radiofrequency technology in various combinations according to your aesthetic diagnosis.These procedures help to move closer to the golden ratio of facial beauty.Strategic placement of Botox fillers and threads can help create the changes to optimise your facial contouring.Long-lasting results are achievable with combination treatment planned and customised to your facial anatomy and desired changes with Botox fillers threads and energy-based devices.įollowing are some listed procedures that dermatologists suggest when it comes to permanent facial contouring: Makeup gives you a sculpted look lasting a wash away, and photoshop photography too is limited to a moment. Modern medical aesthetic treatments combination of non-invasive to minimal invasive lunchtime procedures with nil to minimal downtime, are safe, effective and help you achieve long-lasting results. ![]() ![]() ![]() In addition, she has shops featuring beautiful jewelry, cosmetics, duty-free liquor, and souvenirs.įinally, no review of the Celebrity Reflection would be complete without a mention of the crew and the impeccable service they provide. The ship also offers a casino, meeting space, as well as large and small theaters. It has a full-service spa, salon, and well-equipped fitness center.įor more information on a wellness-focused cruise aboard the Celebrity Reflection, watch this video: The Reflection is perfect for wellness travelers. There are no water slides, go-cart tracks, or ropes courses, though Celebrity does offer children’s/teen programming that we hear is very much liked by participants. The lido deck has a large outdoor pool surrounded by several hot tubs, as well as an adults-only solarium with indoor pool and hot tubs reserved for guests aged 16 and older. Whether you’re thirsty for a frozen daiquiri by the pool or a carefully crafted cocktail at the World Class Bar, there’s a place for you. ![]() With 10 bars on board, there are plenty of places to wet your whistle. The Reflection offers 12 restaurants catering to all tastes from a buffet and poolside grill to an Italian steakhouse and fine dining French-themed restaurant. Any honest review of the Celebrity Reflection will tell you the decor on the ship is upscale with furnishings in good condition, albeit a bit dated. At 1,047 feet long and with 16 decks, she has space for more than 3,000 guests. The Celebrity Reflection is among Celebrity’s largest ships. This time, my wife, Ann, and I hoped to reacquaint ourselves with the ship before hosting a group for the first-ever Postcard Jar Friends Cruise on the Reflection in January 2023. We last sailed aboard the Reflection in 2018 in the Mediterranean. In April 2022, we took an Eastern Caribbean cruise aboard the Celebrity Reflection. Overview of our Celebrity Reflection review This was our 18th cruise and is not a sponsored post. Finally, we’ll share what you won’t want to miss when you book a cruise on the Celebrity Reflection. In this post, we cover our cabin, the ship, itinerary, favorites, and what we think could have made our experience even better. Below are a few dining options you can get at the Celebrity Cruise.This honest review of our Celebrity Reflection Eastern Caribbean cruise will help you decide if this ship and itinerary is right for you. They instead made sure that they stick to the familiar options to the ones who have cruised before. The Celebrity Reflection did not introduce anything new when it comes to the food. From cheerful buffets to amazing self-serve restaurants, the Reflection has taken things to a whole extra level now. Every restaurant in Celebrity Reflection provides an extra thrill and taste. But, to give you guys more idea, here is the complete Celebrity Reflection cruise ship reviews that you should know about.Ĭelebrity Reflection provides an overall quality experience when it comes to food. ![]() Therefore, according to our Celebrity Reflection reviews, there are very less other ships better than this one. You can shop at luxury boutiques and can relax at the spa for as long as you want to. When it comes to shopping, no one can beat Celebrity Reflection. You can also enjoy awesome and mouthwatering delicious grilling specialties at the Lawn club grill. Also, you can play any of your favorite outdoor games on a 1.5 acre of real situated at the Lawn Club. So, enjoy an endless at-sea experience that includes breathtaking Ocean and sunny views. Thanks to Celebrity Reflection’s dedicated and hardworking staff, all your needs will be tended to. Moreover, during the Celebrity Reflection itinerary, you can enjoy the most awarded and breathtaking wine at sea. Experience a luxurious vacation that will bring in some of the best and most amazing destinations in the world closer than you could ever think of.īesides, the Celebrity Reflection Western Caribbean cruise provides numerous dining options that will include the best restaurants with menus crafted by Michelin-starred chefs. Now go abroad with comfort and travel to different countries without any issues. ![]() ![]() Within an appropriately structured relationship, investors that provide alternative capital and insurers both benefit. Advantages for both investors and insurers ![]() Insurers should consider making alternative capital a core part of their capital management strategy. This market is dynamic, and we believe it will grow beyond catastrophe classes and see the evolution of platforms for insurance-linked securities (ILS) as well as new investors, new business models, and regulatory reform. Although total reinsurance capital declined 11 percent from 2021 to 2022, alternative capital stayed constant at about $95 billion. Our analysis shows that alternative capital deployed into reinsurance grew significantly from 2010 to 2020, by 15 percent per year, and has consistently contributed 13 to 18 percent of total reinsurance capital since 2015. 2 For more, see Kevin Bradicich, Ari Chester, Peter Hahn, and Giambattista Taglioni, Could third-party capital transform the reinsurance markets?, McKinsey, September 11, 2013. This was already happening in 2013, when McKinsey outlined three scenarios for how alternative capital in insurance could evolve (see sidebar “Recap of 2013 insights: How the reinsurance market could evolve”). Alternative capital from sources outside of traditional reinsurance has surged and embedded itself into P&C insurers’ capital structure. Because their large balance sheets can absorb volatility in the comparatively smaller reinsurance market, major investors that take large positions in the market could create this dislocation.īut there is good news. We wrote that alternative capital could reach or exceed 40 percent of the reinsurance market’s capacity since the global value of managed assets dwarfs that of the property catastrophe reinsurance market. ![]() We predicted that alternative capital could grow to become 25 to 35 percent of the market’s capacity if insurers became more comfortable with alternative-capital instruments and if investors were attracted by uncorrelated yields and became more comfortable with the risks of participating in the reinsurance market.ĭislocation. Insurance carriers could also favor traditional reinsurers if they believed investors lacked long-term commitment to reinsurance.ĭisruption. We wrote that developments such as a large catastrophic event that erodes a principal investment or rising yields in standard markets could dampen investors’ appetite for involvement with the reinsurance market. In 2013, alternative capital was 15 to 20 percent of the reinsurance market. 1 For the full report, see Kevin Bradicich, Ari Chester, Peter Hahn, and Giambattista Taglioni, Could third-party capital transform the reinsurance markets?, McKinsey, September 11, 2013. ![]() In that report, we sketched out three scenarios for how the reinsurance market could evolve in the future. We published a report about global alternative capital in 2013. ![]() |