Baking Soda: Sodium bicarbonate is a product that can be used as a natural fungicide for black spot, powdery
mildew and brown patch by mixing 4 teaspoons (approximately 1 rounded tablespoon) per gallon of water along
with one teaspoon of mild liquid soap or horticultural oil and spraying foliage. Be careful to keep the spray on the
foliage and not on the soil as much as possible. Baking soda is composed of sodium and bicarbonate ñ both are
necessary in the soil but only in very small amounts. Potassium bicarbonate is a good alternative for those
concerned about sodium....
This book consists of eight chapters, which are broadly divided into two themes. The
first five chapters examine design features and management practices of selected
agroforestry practices, and their effects on ecosystem functions and productivity. In
the first Chapter, Rodríguez-Estéz et al. provide a synthesis of existing knowledge on
the ecology of the dehesa, a Mediterranean agrosilvopastoral system, and how the
Iberian pig production system enhances biodiversity and ecosystem services....
Next, we examine predictability in both benchmark returns and fund risk loadings.
Consider the dogmatist who believes in such a predictability structure (PD-2). This
investor would experience a nontrivial utility loss of 15.1 basis points per month (1.8%/
year) in December 2002 if forced to hold the optimal portfolio of the ND. The utility loss is
even larger over the course of all 276 monthly investments. This loss averages 21.1 (39)
basis points per month over expansions (recessions).
The fiscal year (FY) 2011 Financial Report of the United States Government (Report) provides the President,
Congress, and the American people with a comprehensive view of the Federal Government’s finances, i.e., its
financial position and condition, its revenues and costs, assets and liabilities, and other obligations and
commitments. The Report also discusses important financial issues and significant conditions that may affect future
Plants are preyed on by insects and fungi; and they are subject to various kinds of disease that, for the most part, are not yet understood. They are often injured also by mice and rabbits (p. 144), by moles, dogs, cats, and chickens; and fruit is eaten by birds. Moles may be troublesome on sandy land; they heave the ground by their burrowing and may often be killed by stamping when the burrow is being raised; there are mole traps that are more or less successful. Dogs and cats work injury mostly by walking across newly made gardens or...
While the above-described uses (and potential uses) of social media by insurance companies are
important to note, it must be pointed out there is another side of the proverbial coin to social media in
insurance. A not-insignificant number of insurance companies — concerned about the novelty of the
medium, the lack of explicit regulatory and legal guidance, and very real practical and technical issues —
have either banned the use of social media outright or taken an approach of benign disregard relative to
the use of social media in connection with their...
In determining what a normal production level is for an insurable farmer, USDA requires the
producer to present actual annual crop yields (usually stated on a bushel-per-acre basis) for the
last 4 to 10 years. The simple average of a producer’s annual crop yield over this time period then
serves as the producer’s actual production history (APH). If a farmer does not have adequate
records, he can be assigned a transition yield (T-yield) for each missing year of data, which is
based on average county yields for the crop.
The engineering profession must adapt to the new low carbon paradigm well
ahead of society as a whole in order to provide the necessary leadership in
design and the direction of policy. The professional engineering institutions
and trade associations must all recognise a multi-disciplinary, problem solving
approach that over-turns conventional partisan relationships and embraces a
systemic approach to construction. All contributors to construction projects
must be prepared to provide leadership in their area of expertise, but work
with others to link knowledge across existing boundaries.
Hospitals, hit hard by the Great Depression, rushed to embrace plans for prepaid health care as a way to survive.
In 1939 the American Hospital Association began allowing plans that met its standards to use the Blue Cross name
and logo. State legislatures agreed not to treat Blue Cross plans as insurance, based on the rationale that they were
owned by hospitals. This permitted Blue Cross plans to operate as non-profit corporations, escaping the 2% to 3%
premiums generally charged private insurance companies, and exempted them from insurance company reserve
In the future, the housing sector is expected to continue growing steadily. Recently, legislation
has been introduced in the Mexican Senate that calls for amending Article 27 of the Federal
Constitution to allow direct ownership of residential real property by foreigners within the
Prohibited Zone without having to employ a fideicomiso.
Diversification of the portfolio can only reduce the so-called non-systematic risk,
however. The systematic risk, i.e. the interdependence of returns on changes in
the overall market and/or shocks cannot be eliminated. For instance, the returns
on equities and investments in specific real assets are necessarily positively
correlated by the underlying economic determinants. The return on an invest-
ment in equities depends e.g. on company profits and therefore also on growth.
Unsafe abortions contribute to 13 percent of maternal deaths, about 68,000
per year. Abortion-related complications contribute to a relatively large share of
maternal deaths in Latin America and the Caribbean (where legal restrictions on
abortion are common) and to a lesser degree in Asia and Africa. The case fatality
rate for abortions, however, is highest in Africa.
Increases in the proportion of births assisted by a skilled birth attendant have
been dramatic in Southern Asia, Eastern Asia and the Pacific and (from higher
initial levels) in Latin America and the Caribbean.
Moral judgment, or capacity to judge which alternatives are ethically
acceptable and which are not and to determine the uprightness of the intention. Good
behavior requires deliberation and deciding to carry out an action. Making sound moral
judgments is previous to making a good decision. In this deliberation, practical wisdom
plays a crucial role. It fosters upright moral reasoning by taking into account universal
principles and the pertinent circumstances of each situation.
The cross-industry Self-Regulatory Program for Online Behavioral Advertising was
developed by leading industry associations to apply consumer-friendly standards
to online behavioral advertising across the Internet. Online behavioral advertising
increasingly supports the convenient access to content, services, and applications over
the Internet that consumers have come to expect at no cost to them.
The Self-Regulatory Program consists of seven Principles.
This lab will introduce students to a simple bioassay that will allow them to explore the effects
that a chemical's concentration has on the level of toxicity. By relying on morphological
examination of sponges hatching from gemmules that are smaller than a millimeter in diameter, this
module will help students develop their microscopy skills. Our major aim, however, is to have
students strengthen their ability to design and test their own hypotheses.
If you’re in a rush to sell and have a car that isn’t one of
the market darlings or is in rough condition, it’s gener-
ally best to price it close to the market value and be
prepared to take market or less to make a deal happen
quickly. But if your car is one of the current hot sellers,
you could probably get away with pricing it 10 to 20
percent over the market.
For most people, advertising a car for sale means classi-
fied advertising. Classified ads can be broken into two
categories: print and online. Both are good ways to sell
a vehicle, although in many cases online advertising can
reach a wider audience. No matter which you choose,
the idea behind classified advertising is to attract poten-
tial purchasers to your car, not to sell them the car with
your ad. Selling is your job and is done when you talk
to or meet with potential purchasers.
While disentangling the returns to schooling from the returns to unobserved ability is diﬃcult,
estimating the returns to college quality is harder still. No good instruments have been found
for college quality, and the sample sizes of twins are often too small to obtain accurate estimates
of the returns to college quality.
6 A notable exception is Berhman et al. (1996), who ﬁnd that,
after controlling for family background characteristics using twins, there are signiﬁcant returns to
attending colleges of higher “quality” in several observable dimensions.
Tuyển tập các báo cáo nghiên cứu về lâm nghiệp được đăng trên tạp chí lâm nghiệp Original article đề tài: C and 15 N isotopic fractionation in trees, soils and fungi in a natural forest stand and a Norway spruce plantation...
There are many phenomenologicalmodels of inﬂation in the literature,which usually employ
some new ﬁelds and new interactions. It is, therefore, quite reasonable and meaningful to
search for the minimal inﬂationary model building, by getting most economical and viable
inﬂationary scenario. I amgoing to use the one proposed the long time ago by Starobinsky (20;
21), which does not use new ﬁelds (beyond a spacetime metric) and exploits only gravitational
interactions. I also assume that the general coordinate invariance in spacetime is fundamental,
and it should not be sacriﬁced.