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Archive for the ‘Personal Development’ Category

Bisnar | Chase Personal Injury Attorneys Named One of the Best Places to Work by Orange County Business Journal

Posted: August 1, 2012 at 12:13 am


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NEWPORT BEACH, Calif.--(BUSINESS WIRE)--

Bisnar | Chase Personal Injury Attorneys, LLP of Newport Beach, California (www.BestAttorney.com) has been named one of the Best Places to Work by Orange County Business Journal and Best Companies Group.

Companies making the Best Places to Work list are evaluated, scored and ranked on workplace policies, practices, philosophies and systems, as well as the results of a comprehensive employee survey that gauges opinions about leadership and planning, corporate culture and communications, role satisfaction, work environment, supervisor relationship, training and development, pay and benefits and overall engagement.

Based on these criteria, Orange County companies making the list are recognized as most successful in creating and maintaining workplace excellence.

Bisnar | Chase will be featured in the October 2012 Best Places to Work issue of the Orange County Business Journal along with other small, medium and large-sized organizations making the list.

Were extremely honored to be named a Best Places to Work company in Orange County, said John Bisnar, founder of Bisnar | Chase. This award is a tribute to the talent and efforts of our administrator, Shannon Barker and our team leaders, Nicole Michau, Marta De La Torre, Ned Spilsbury and Chris Foerster. Were very proud of them. This award is especially meaningful coming from the Orange County Business Journal and Best Companies Group two highly respected, industry-leading organizations.

Since 1978, Bisnar | Chase has obtained hundreds of millions of dollars in judgments and settlements for thousands of personal injury clients who have been catastrophically injured or lost a loved one due to car accidents, negligence or defective products such as automotive defects.

The firm is particularly proud of its commitment to helping dozens of charitable organizations, including MADD, Second Harvest Food Bank, The Boys & Girls Club, Adopt A Family, American Legion, Kristies Foundation, Avon Walk for Breast Cancer and AIDS/LifeCycle Trek, among others.

For more information about the Best Places to Work program in Orange County, visit http://www.BestPlacestoWorkOC.com. For more information about Bisnar | Chase, visit http://www.BestAttorney.com.

About Bisnar | Chase Personal Injury Attorneys, LLP

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Bisnar | Chase Personal Injury Attorneys Named One of the Best Places to Work by Orange County Business Journal

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August 1st, 2012 at 12:13 am

Annual Northwestel Summit Hockey School now underway

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The tenth anniversary of the Northwestel Summit Hockey School is now underway with 60 players from across the Yukon participating in the camp.

The school focuses on both on and off skills and player and personal development.

Taking place at the Canada Games Centre the school will also including swimming, off ice games and skill work, Aboriginal games, on ice skill work and games and guest speakers.

Newly signed Detroit Redwing Jordin Tootoo of Rankin Inlet, NWT will also be on hand to work with the young athletes.

Also returning to the school will be Danny Flynn and Brian Kozak.

Flynn, currently the head coach of the Moncton Wildcats of the Quebec Major Junior Hockey League (QMJHL), served as an assistant with the N.Y. Islanders in 2007.

Hes renowned in hockey circles across the county for his ability to break down the game.

Hes the all-time winningest coach in Wildcats history and led St. Francis Xavier University to three CIS National Finals, where he won the championship in 2004.

Kozak is the camps leader when it comes to the off-ice training.

He holds an Aboriginal teaching degree from Queens University and has had several notable students during his training and mentoring career including Mike Richards, who won the Stanley Cup this past season with the L.A. Kings.

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Annual Northwestel Summit Hockey School now underway

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August 1st, 2012 at 12:13 am

23andMe Takes First Step Toward FDA Clearance

Posted: July 31, 2012 at 7:12 am


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MOUNTAIN VIEW, Calif., July30, 2012 /PRNewswire/ --23andMe, the leading personal genetics company, today announced that it has delivered its first round of 510(k) documentation to the Food and Drug Administration (FDA). Since its 2006 inception, 23andMe largely created the direct-to-consumer market for genetic analysis. As a leader in personal genetics, the company is now the first in the industry to announce it is working towards FDA clearance. The FDA will review the filing over the next several months and the process of gaining clearance will take time as both the FDA and 23andMe attempt to apply current regulations to a new and growing industry.

"23andMe has pioneered the direct-to-consumer genetic testing industry and we are committed to helping individuals understand their own genetic information through proven DNA analysis technologies and web-based interactive tools," stated 23andMe CEO and Co-Founder Anne Wojcicki. "23andMe is working proactively with the FDA to ensure the industry delivers high quality information that consumers can trust."

23andMe's Personal Genome Service enables individuals to explore their own DNA and now provides more than 200 health and trait reports as well as genetic ancestry information. The extensive package of health and ancestry reports offered by 23andMe has grown dramatically as the body of research in the general scientific community has continued to make significant advances in assessing the role of genetics in health and diseases. That body of peer-reviewed, published research is regularly curated by the team of 23andMe scientists to determine which information meets the rigorous 23andMe criteria to be incorporated into its health and trait reporting as detailed in https://www.23andme.com/for/scientists/.

"23andMe has always valued the guidance of the FDA and, in fact, engaged the agency in conversations prior to launching the Personal Genome Service in 2007. Our ongoing conversations with the FDA in the last year, in particular, resulted in a focused approach that resulted in our ability to compile a comprehensive analysis of 23andMe's direct-to-consumer testing for FDA consideration," stated 23andMe VP Corporate Development and Chief Legal Officer Ashley Gould.

In providing personalized health reports 23andMe believes that individuals have a fundamental right to their personal genetic data and that genetic data is an essential complement to family history for people to make informed decisions in conjunction with their healthcare provider.

The 23andMe platform is designed to be both fluid and transparent and the filing with the FDA is designed to accommodate this data-driven paradigm. The body of information provided by 23andMe grows over time, not only in adding more traits and health reports, but also in interpreting results based on the continued evolution of scientific literature.

23andMe uses a CLIA-certified laboratory to process customer DNA samples. The 510(k) documentation provided to the FDA builds upon the company's scientifically sound practices by demonstrating the clinical and analytical validity of its reporting.

"FDA clearance is an important step on the path towards getting genetic information integrated with routine medical care," explained Ms. Wojcicki. "As the knowledge around personalized medicine continues to grow, consumers should expect their healthcare providers to begin to incorporate genetic information into their treatments and preventative care."

"We believe our ongoing conversations with the FDA and ultimately securing clearance will be very important as we continue to serve our customers with genetic information that is an essential consideration in their personal health, and continue to grow our community, which is now more than 150,000 strong," concluded Ms. Wojcicki.

An ongoing service, 23andMe's Personal Genome Service provides a wealth of information about an individual's DNA and updates about new research. Customers can also choose to participate in the company's unique research programs. By completing online surveys, customers contribute directly to genetic research that can potentially lead to better understanding of and new treatments for a variety of health conditions.

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July 31st, 2012 at 7:12 am

Sacre-Coeur Minerals Arranges Equipment Sale to Riverside Resources: Aims at Development of Million Mountain Zone 1 …

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VANCOUVER, British Columbia--(BUSINESS WIRE)--

SACRE-COEUR MINERALS, LTD. (the Company) announced today that it has entered into a purchase and sale agreement (the Purchase Agreement) with Riverside Resources Inc. (RRI; TSXV: RRI.V) under which the Company sold to RRI one of its three core drills which is currently surplus to the needs of the Company and has been in storage. The Purchase Agreement provides that the Company can elect to repurchase the core drill from RRI or act as agent to sell the drill to a third party. In either case, the Company shall repay RRI its purchase price plus a premium of 15%. If after 120 days from the effective date of the Purchase Agreement, the Company has not repurchased the core drill or effected a sale to a third party, and if the Company and RRI have not reached other arrangements, RRI shall be entitled to put the drill back to the Company for the purchase price plus a 15% premium thereon. The Companys performance under the Purchase Agreement is secured by a subordinate interest in 51% of the shares of its wholly owned subsidiary company, Sacre-Coeur Guyana, Inc. subject to the standard provisions of rights of redemption under the Personal Property Security Act (British Columbia). The shares pledged in the subsidiary company will be deposited in escrow pending release upon the Companys performance under the terms of the Purchase Agreement. The proceeds from the sale of the drill will be used as working capital for general corporate purposes.

The Company has now completed a base case internal analysis of the potential development of its Million Mountain Zone 1 hard-rock resource, including an in-house update to its NI 43-101 resource. This in-house update and analysis, though not intended to be NI 43-101 compliant, has provided the Company with strong encouragement for proceeding with an update of the resource to NI 43-101 standards and initiation of all actions aimed at moving forward with the evaluation of production and the commercial potential of the deposit as soon as practicably possible. These activities shall include as appropriate, commissioning of environmental studies, application for necessary permits for production operations, metallurgical studies, commissioning of a third party feasibility study, and arrangement of financing for development if warranted.

We are excited about the progress marked by the encouraging results of our internal analysis of the prospect of near term development of the Million Mountain hard-rock.

About Sacre-Coeur

The Company is engaged in the acquisition, exploration, development, and production of properties for gold, metals and diamonds in South America, initially focussing on exploration and production of gold from its properties in Guyana. The Company presently holds 100% interest in approximately 850 sq. km of mineral properties in Guyana, including the Million Mountain Property which hosts an NI 43-101 compliant hard-rock resource of 12,119,285 tonnes grading 1.0 g/t Au Measured, and 2,175,278 tonnes grading 0.9 g/t Au Indicated for a total 451,000 tr oz Au combined. The Company has offices in Vancouver, Canada and Georgetown, Guyana. More information about the Company is available at .

ON BEHALF OF THE BOARD OF DIRECTORS OF SACRE-COEUR MINERALS, LTD.

Gregory B. Sparks Gregory B. Sparks, P. Eng. President & CEO

Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

This news release may contain forward-looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995 or forward-looking information within the meaning of applicable Canadian securities laws, which we will refer to as forward-looking information. Often, but not always, forward-looking information can be identified by the use of words such as plans, expects, is expected, budget, scheduled, estimates, forecasts, intends, anticipates or believes or the negatives thereof or variations of such words and phrases or statements that certain actions, events or results may, could, would, might or will be taken, occur or be achieved. Forward-looking information includes, but is not limited to, statements pertaining to development activities, commissioning of environmental studies, application for necessary permits for production operations, metallurgical studies, commissioning of a third party feasibility study, arrangement of financing for development, formal production decisions, business combinations.

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Sacre-Coeur Minerals Arranges Equipment Sale to Riverside Resources: Aims at Development of Million Mountain Zone 1 ...

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July 31st, 2012 at 7:11 am

Deborah Hightower – Thought Leader in Personal and Professional Expansion Leads by Example

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MACON, Ga.--(BUSINESS WIRE)--

Deborah Hightower is blazing the trail as an example in her quest to teach others about the concept of personal and professional expansion that has become a natural part of her everyday life. A veteran financial services professional, sought after speaker, accomplished singer, song writer, and author, Hightower is a high tower of energy that doesnt slow down, yet she is able to maintain a distinct balance in her professional and personal life. As a Vice President of Investments for a national financial services firm, she has also obtained the designations of Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS) and Registered Financial Gerontologist (RFG). When not guiding her clients through the myriad of challenges in investment and distribution strategies, she focuses her attention on speaking at corporate and non-profit organizational events as well as expanding her music career where four of her songs reached the top ten on the inspirational charts.

Hightowers passion to teach people how to experience expansion in their personal and professional lives was birthed from her own experiences as she has evolved to be accomplished in a diverse number of areas in her own life. Hightower is continuously invited by various organizations to speak. As a thought leader in the area of Expansion, she helps individuals find and develop a plan to pursue their passion and assists companies and organizations with expansion in the areas of employee work/life balance, client development, and team motivation.

In addition to her speaking schedule, Hightower will be releasing two CDs in October and November of this year. She has been a featured guest on over one-hundred radio and television programs and has been the featured speaker at numerous conferences. She is also a contributing author to Brian Tracys upcoming book, The Secret to Winning Big, to be released in December. She is also a contributing writer in Power Source Magazine as well as a contributing blogger to glassheel.com, a lifestyle and networking site for professional women. Because of her outstanding success and significant contributions as a financial services expert, public speaker, singer, song writer, and author, Hightower is being featured as one of America's PremierExperts Trendsetters in INC Magazine. Additional information about Hightower can be found at http://www.deborahhightower.com.

Read More: http://www.deborahhightower.com/uncategorized/thought-leader-in-expansio/

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July 31st, 2012 at 7:11 am

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Posted: July 27, 2012 at 9:15 pm


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According to the draft guidelines issued by Insurance Regulatory and Development Authority (IRDA) in May, travel, personal accident and critical illness (CI) covers will come under the health insurance segment. Health insurance business means the effecting of insurance contracts which provide for sickness benefits or medical, surgical or hospital expense benefits, travel health insurance and personal accident cover, said the IRDA draft.

At present, personal accident and CI covers come under miscellaneous business. The Health Insurance Act, which comprises health insurance, does not include travel, personal accident and CI covers. Hence to include these covers under the health insurance may require the approval of finance ministry.

Also, personal accident, CI and travel covers are offered only as standalone coversan insurance product that an individual buys to cover a specific risk or cost. It is the opposite of an insurance policy with broad coverage that applies to a number of risks in different scenarios. While, benefit covers (issued by life insurers) can be bought as an add-on on term plans. IRDA wants travel medical policies to be offered either as a standalone product or as an add-on cover to existing health policy as and when existing policyholder travels. Anshul Anand, CEO, PolicyMantra.com, said, In the draft guideline, IRDA has mentioned two options for travel insurancestandalone policy or as an add-on to the existing health insurance policy. Lifetime renewability is not applicable for travel insurance as it is provided for temporary visit and lifetime renewability is available only when there isuninterruptedrenewal hence this contradicts.

The renewability of health insurance policies (Chapter IV) of the draft, says, Benefit based policies where policies terminate on happening of the event as per the terms and conditions of the policy; renewability clause shall explicitly state such conditions in the promotion material and the policy documents. Ex. Critical illness benefits policies.

In case of CI, policy ceases once the benefit is paid while in health insurance continues even after the claim is made. CI are like riders or standalone cover which cannot be renewed like health insurance plans, added Mr Anand.

He further said, Portability thing is not clearly mentioned in the draft for CI and hence it will raise some concerns as CI works differently from mediclaim. We will be able to comment more only when IRDA supply further documents on CI. We have also discussed things with reinsurer and they too felt that more clarification is needed. The regulator has also disallowed assigning policies to anyone else. Thus, policyholders may not be able link any of the general insurance policies to loan.

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July 27th, 2012 at 9:15 pm

Business-Building Strong At HBA Global In New York

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NEW YORK, July 27,2012 /PRNewswire/ --With more than 81% of the HBA Global audience influencing the purchase of products and services for brand development of cosmetics, fragrances, personal care and skin care lines, the atmosphere at the event was all about business.More than 16,615 health and beauty professionals converged under one roof to source new suppliers, gain knowledge on industry trends, and develop new business relationships.

(Photo: http://photos.prnewswire.com/prnh/20120727/NY47682-a) (Photo: http://photos.prnewswire.com/prnh/20120727/NY47682-b) (Logo: http://photos.prnewswire.com/prnh/20120426/NY95610LOGO)

Boasting a 4% increase in attendance, the recently concluded HBA Global took place from June 19-21 at the Jacob K. Javits Convention Center in New York. All the major brands were in attendance including Avon, Coty, Estee Lauder, L'Oreal, Revlon, Procter & Gamble, LVMH, and Unilever. In addition, HBA Global was an important forum for many emerging and niche brands and remains unmatched in providing information and resources needed to get new products to market.

"HBA Global has truly helped in the growth of my business by providing a number of useful resources, such as education, an array of exhibitors and a great place to network with my peers," said Tonya Tko, Manager, TKYOSKIN.

Attendees cited finding new suppliers a top objective at HBA Global and the event had a wide range of business services related to product and packaging development. More than 15 countries were represented as international resources with the majority from the United States.

"HBA Global is a great show for San-Mar Labs because it provides an excellent venue and a central meeting location to meet and greet current and new customers in a condensed couple of days making it more than convenient to do business," said Frank Penna, Vice President, San-Mar Laboratories Inc. of Elmsford, NY.

Several new features were added to the HBA exhibit floor and were popular among attendees. Innovation Pavilions in Anti-Aging Skincare, Eco & Sustainability as well as Tubes attracted more than 70% of the HBA Global audience.

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Business-Building Strong At HBA Global In New York

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July 27th, 2012 at 9:15 pm

Seek out mentors in building your personal brand

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Ritas Career Corner With Rita B. Allen

Have mentors played an essential role in your professional and/or personal development? As you have advanced in your career, have you taken the time to mentor others whom you have worked with and/or managed? Having and being a mentor are two of the major milestones during ones career and contribute greatly to establishing and building your personal brand.

The typical image of a mentor is of someone in the workplace but mentors enter our lives from a variety of venues, each offering different learnings that speak to our many needs. Those needs can be quite diverse and filled by a variety of mentors, each offering wisdom and counsel in different ways. In fact, its important to search out multiple mentors to address our multiple needs. Be your own advocate and initiate these relationships rather than waiting to be mentored. Find your authentic self and personal brand by identifying what value you have to offer as well as what you aspire to achieve. Seek out potential mentors, trusted advisors as well as sponsors for support throughout the different phases of your career. In addition, welcome opportunities to mentor others throughout their careers.

A Five Step Model for Developing Mentor Relationships:

Step 1 First and foremost, identify what you need Set goals and objectives that you would like to achieve with each specific mentor. Be realistic and practical with your expectations being thoughtful and mindful of their time. Make sure that you are creating a partnership that is one of give and take. Offer your assistance, knowledge and resources to your mentors just as frequently as you ask for their help. It is all about relationship building what you put into the relationship is just as important, if not more so, than what you get out of the relationship. Approach each mentor in a sincere and authentic manner. Be clear and concise in communicating your needs and expectations. Ask them for their input and feedback.

Step 2 Reach out to a variety of mentors to meet diverse needs Establish mentor relationships with multiple individuals across many parts of your life. Mentors come in all shapes and sizes from all faucets of our world both personally and professionally. They can come in the form of role models, peers, colleagues, managers, leaders, professors, teachers, family members, friends, relatives, coaches and other contacts. We enter into these mentor relationships as well as maintain them in formal and informal ways. The key is to be diligent in establishing and nurturing long lasting relationships with all of the mentors in our lifetime. Be pro-active and strategic by identifying mentors that cross all of the different paths of your career and enhance your ability to develop and grow both personally and professionally.

Step 3 Create a strategy that offers your value-add and keeps mentors engaged Identify your personal brand and articulate it effectively. Prior to entering into any mentor relationship, do your homework. Prepare yourself for the difficult questions a mentor will ask you and be ready for the challenge. Enter into the relationship confident and empowered. Know yourself your strengths, weaknesses, skills, competencies, interests, values and priorities. Assess your short and long term goals for your career and life. Invest in your education and continued advancement. Be active in professional associations and involved in your community. Take on leadership roles that nourish and feed your passion(s)!

Step 4 Stay true to your vision and your goals Keep a formal plan that you update and visit regularly. You cannot stay true to yourself if you do not keep yourself accountable. The mentee is the driver for any mentor relationship it is important to be mindful of this and be diligent with your initiatives. Have a vision that spans over ten years at a minimum and revisit your goals on a regular basis. Make changes and adjustments as necessary. Keep an open mind to new possibilities while staying focused on your track.

Step 5 Communicate, Communicate, Communicate! Keep the channels of communication open throughout the entire mentor relationship and beyond. Let your mentor know of your progress your struggles, lessons learned, and successes. Be sure to give your mentor feedback on a regular basis by sharing the ways they are positively impacting you. Show your gratitude and appreciation. Be an active listener reflect on the feedback you receive and incorporate it into your strategies. Keep an open mind and be flexible to new opportunities and possibilities. Accept constructive criticism and offer concerns. Dont be afraid to show vulnerability and take some risks. Open and honest communications will set the foundation for building a trusting relationship and rapport for both mentor and mentee.

Mentors are an essential ingredient for career success! Be sure to include this important and valuable resource in your career planning and development strategies. Remember, it is every individuals job to manage their own career not their mentors!

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Seek out mentors in building your personal brand

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July 27th, 2012 at 9:15 pm

COACHING LIFE: The eight habits

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Last week the personal development world lost one of its most influential voices, Dr Stephen Covey.

Famous for his seminal work, The Seven Habits Of Highly Effective People, Dr Coveys lasting legacy to organizations the world over will among others be a principle-based practical framework for the practice of personal and professional effectiveness that will endure for centuries to come.

It would seem that he lived what he preached. I was fortunate enough not only to have met Dr Covey but to have shared the stage with him. It was quite an honour as a young inspirational speaker at the beginning of my speaking career.

I remember the greeting. You know how they say that the eyes are the windows to the soul? Well, in the few minutes it took to exchange pleasantries, Dr Covey looked directly into my eyes with such presence that it made him very transparent to me.

It was a remarkable couple of minutes. I cannot honestly say that I have ever experienced such authenticity in another persons eyes. I felt as if I could see his entire being, who he was and what he exemplified. It was a privilege to sense that brand of humanity in another human being.

After our meet-and-greet, it was time for me to take the stage. I spoke on my signature topic, Passion. When Dr Covey took the stage, he took us on a journey of interwoven stories filled with characters and colours that illustrated the Seven Habits.

Then he came to the eighth habit not a tack-on, he was careful to add, but a whole new level of human capability he referred to as greatness. And just how do we find and experience greatness? Through our voice; our authentic voice, of which passion is a part.

I must admit that I had made an obligatory scan of the eighth habit only a few hours before the speech, having purchased the book to get the Seven Habits CD. Yes, I am one of those people. So I was just beside myself to discover in my perusal that the guru of the personal development industry believed, like I did, that adopting and expressing your authentic expression is not only a capstone to excellence but is the key to truly expressing our greatness on this planet and that passion was a key ingredient.

We experienced his grace and generosity as he kept alluding in agreement to statements I had made in my little talk on how to find your passion. As we listened to him, we watched how he worked many of the habits from his own framework into his delivery. He gave examples from his own life that demonstrated his personal practice of all the habits.

As he spoke on finding our authentic voice, he said that finding our passion was critical to expressing ourselves authentically and that it had lots of validity in the workplace, especially among leaders seeking to influence. It is difficult to influence others to identify their gifts and greatness and bring their authentic voice to the world if you have not yet found your own.

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COACHING LIFE: The eight habits

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July 27th, 2012 at 8:14 am

Personal Development Company Mind Movies Announces Co-Founder Natalie Ledwell Will Present at the California Women's …

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San Diego, CA (PRWEB) July 27, 2012

Personal development company Mind Movies today announced that co-founder and Law of Attraction guru Natalie Ledwell will speak at the California Women's Conference at Long Beach, CA in September, 2012. Ledwell's presentation will be entitled "3 Things I Wish I Learned 10 Years Ago" and will reveal the three key factors she believes made the difference between her early failures in business and her last decade of global success.

The two-day California Women's Conference provides attendees from all walks of life with inspiration, networking opportunities and training on how to excel in business, personal development, wellness and philanthropic endeavors. The events overarching goal is to empower women to see themselves as the game changers of their own lives, and to inspire and empower them to make a difference in their communities and around the world.

The California Womens Conference has formed partnerships with several established and respected organizations across the United States in order to continue the development of far-reaching womens empowerment programs.

Natalie Ledwell co-founded Mind Movies LLC in 2008 with a mission to help others bring the full power of visualization and the Law of Attraction into their lives. The Law of Attraction is a personal development philosophy made popular by the best-selling book and hit film The Secret.

"My presentation will cover the three key thought patterns that I believe will determine whether you will constantly struggle in life or be uber-successful, said Ledwell. My mission is to continue transforming the lives of thousands of people around the world by empowering them with proven, time-tested principles that ultimately allow them to achieve any goal they set for themselves."

In addition to stage presentations from dozens of high-profile speakers, the conference will also feature a live "dolphin tank session, where five companies will be selected to make a live pitch for their business idea, product or service while swimming alongside dolphins.

To learn more about Natalie Ledwells presentation at the California Women's Conference, visit: http://californiawomensconference.com/california-womens-conference/featured-speakers/item/natalie-ledwell

About Mind Movies:

Founded in 2008, Mind Movie's mission is to help empower people from all over the world to visualize their goals and manifest their greatest dreams and desires. Mind Movies has touched the lives of over 900,000 people around the world and is headquartered in downtown San Diego, California.

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Personal Development Company Mind Movies Announces Co-Founder Natalie Ledwell Will Present at the California Women's ...

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July 27th, 2012 at 8:14 am


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