Tuesday, July 31, 2012

Personal Finance Topic #271 - Social Security... | Gather


by Jeff S.

Member since:
August 16, 2008

Reprint of?34 Social Security Secrets You Need to Know Now

I have followed Prof. Kotlikoff of Boston University, a noted economist, for many years, and he is one of the most credible economists in financial planning and retirement planning arena. ?I hope you find his advice thorough and practical.

34 Social Security Secrets You Need to Know Now

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1 in 5 streams damaged by mine pollution in southern West Virginia

1 in 5 streams damaged by mine pollution in southern West Virginia Could not connect to DB: 1040: Too many connectionsCould not execute 'UPDATE pressrelease SET r_hits = r_hits+ 1, r_total_hits = r_total_hits+ 1, r_pub_hits = r_pub_hits+ 1, r_total_pub_hits = r_total_pub_hits+ 1 WHERE r_id = 217971' on database eurekalert:
2002: Can't connect to local MySQL server through socket '/tmp/mysql.sock' (2) [ Back to EurekAlert! ] Public release date: 30-Jul-2012
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Contact: Tim Lucas
tdlucas@duke.edu
919-613-8084
Duke University

DURHAM, N.C. -- Water pollution from surface coal mining has degraded more than 22 percent of streams and rivers in southern West Virginia to the point they may now qualify as impaired under state criteria, according to a new study by scientists at Duke and Baylor.

The study, published this week in the peer-reviewed journal Environmental Science & Technology, documents substantial losses in aquatic insect biodiversity and increases in salinity linked to sulfates and other pollutants in runoff from mines often located miles upstream.

"Our findings offer concrete evidence of the cumulative impacts surface mining is having on a regional scale," said Emily S. Bernhardt, associate professor of biogeochemistry at Duke's Nicholas School of the Environment. "The relationship is clear and direct. The more mining you have upstream, the higher the biological loss and salinity levels will be downstream, and the farther they will extend."

Numerous recent studies have demonstrated the water-quality problems caused at or near the site of individual surface coal mines, Bernhardt noted. She and her team "set out to understand how the large and growing number of surface mines is affecting water quality throughout Appalachia."

They used NASA satellite images and computer data to map the extent of surface mining taking place across a 12,000-square-mile area of the southern West Virginia coalfields between 1976 and 2005.

They found that companies had converted more than five percent of the land into mine sites and buried 480 miles of streams beneath adjacent valley fills during this period.

Chemical and biological data from 223 streams sampled by the West Virginia Department of Environmental Protection between 1997 and 2007 were combined with mapping to help the researchers determine that pollution runoff from the mines could substantially degrade more than 1,400 miles of streams in the region. That's four times the length of streams buried by the valley fills.

"It's important to recognize that surface coal mining pollution doesn't stop at mine-permit boundaries," said Brian D. Lutz, a postdoctoral associate in Bernhardt's lab.

"Our analysis suggests that mining only five percent of the land surface is degrading between 22 percent and 32 percent of the region's rivers," he said.

Substantial declines in insect diversity began to occur when companies had mined as little as one percent of upstream land, the analysis showed. In areas where companies had converted about five percent of the land into mines, sensitive species such as mayflies and stoneflies had vanished or declined to an extent that the streams would qualify as biologically impaired under criteria set by the state of West Virginia.

The designation means the streams could be placed on a list of waterways that the state must take steps to rehabilitate.

"What is so compelling is that we found many different types of organisms are lost downstream of surface coal mines, and most of them begin to disappear at similar levels of mining," said Ryan S. King, associate professor of biology at Baylor. "Our analysis shows that coal mining is leading to widespread declines in aquatic biodiversity in Appalachian streams."

###

Lutz and King co-authored the paper with Bernhardt. Other coauthors were John P. Fay, instructor of geospatial analysis at the Nicholas School; Catherine E. Carter, a 2010 master's graduate of the Nicholas School, now at TetraTech; Ashley M. Helton, postdoctoral associate in Duke's Department of Biology; John Amos of SkyTruth; and David Campagna, of Campagna & Associates.

The study was supported by unrestricted gifts in support of research from The Foundation for the Carolinas and the Sierra Club, and through a contract to Amos and Campagna from Appalachian Voices.


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1 in 5 streams damaged by mine pollution in southern West Virginia Could not connect to DB: 1040: Too many connectionsCould not execute 'UPDATE pressrelease SET r_hits = r_hits+ 1, r_total_hits = r_total_hits+ 1, r_pub_hits = r_pub_hits+ 1, r_total_pub_hits = r_total_pub_hits+ 1 WHERE r_id = 217971' on database eurekalert:
2002: Can't connect to local MySQL server through socket '/tmp/mysql.sock' (2) [ Back to EurekAlert! ] Public release date: 30-Jul-2012
[ | E-mail | Share Share ]

Contact: Tim Lucas
tdlucas@duke.edu
919-613-8084
Duke University

DURHAM, N.C. -- Water pollution from surface coal mining has degraded more than 22 percent of streams and rivers in southern West Virginia to the point they may now qualify as impaired under state criteria, according to a new study by scientists at Duke and Baylor.

The study, published this week in the peer-reviewed journal Environmental Science & Technology, documents substantial losses in aquatic insect biodiversity and increases in salinity linked to sulfates and other pollutants in runoff from mines often located miles upstream.

"Our findings offer concrete evidence of the cumulative impacts surface mining is having on a regional scale," said Emily S. Bernhardt, associate professor of biogeochemistry at Duke's Nicholas School of the Environment. "The relationship is clear and direct. The more mining you have upstream, the higher the biological loss and salinity levels will be downstream, and the farther they will extend."

Numerous recent studies have demonstrated the water-quality problems caused at or near the site of individual surface coal mines, Bernhardt noted. She and her team "set out to understand how the large and growing number of surface mines is affecting water quality throughout Appalachia."

They used NASA satellite images and computer data to map the extent of surface mining taking place across a 12,000-square-mile area of the southern West Virginia coalfields between 1976 and 2005.

They found that companies had converted more than five percent of the land into mine sites and buried 480 miles of streams beneath adjacent valley fills during this period.

Chemical and biological data from 223 streams sampled by the West Virginia Department of Environmental Protection between 1997 and 2007 were combined with mapping to help the researchers determine that pollution runoff from the mines could substantially degrade more than 1,400 miles of streams in the region. That's four times the length of streams buried by the valley fills.

"It's important to recognize that surface coal mining pollution doesn't stop at mine-permit boundaries," said Brian D. Lutz, a postdoctoral associate in Bernhardt's lab.

"Our analysis suggests that mining only five percent of the land surface is degrading between 22 percent and 32 percent of the region's rivers," he said.

Substantial declines in insect diversity began to occur when companies had mined as little as one percent of upstream land, the analysis showed. In areas where companies had converted about five percent of the land into mines, sensitive species such as mayflies and stoneflies had vanished or declined to an extent that the streams would qualify as biologically impaired under criteria set by the state of West Virginia.

The designation means the streams could be placed on a list of waterways that the state must take steps to rehabilitate.

"What is so compelling is that we found many different types of organisms are lost downstream of surface coal mines, and most of them begin to disappear at similar levels of mining," said Ryan S. King, associate professor of biology at Baylor. "Our analysis shows that coal mining is leading to widespread declines in aquatic biodiversity in Appalachian streams."

###

Lutz and King co-authored the paper with Bernhardt. Other coauthors were John P. Fay, instructor of geospatial analysis at the Nicholas School; Catherine E. Carter, a 2010 master's graduate of the Nicholas School, now at TetraTech; Ashley M. Helton, postdoctoral associate in Duke's Department of Biology; John Amos of SkyTruth; and David Campagna, of Campagna & Associates.

The study was supported by unrestricted gifts in support of research from The Foundation for the Carolinas and the Sierra Club, and through a contract to Amos and Campagna from Appalachian Voices.


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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-07/du-1i5073012.php

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CLD Electric Offers Discounted Electrical Services In San Diego

CLD Electric Provides Quality Residential, Property Management And Retail Electrical Services At Affordable Prices.

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San Diego, California, July 30, 2012: CLD Electric provides quality and affordable electric service packages in San Diego area. The company claims to concern the modern electronic technology in inaugurating their services. The electrician San Diego has been offered an honorable position by the local San Diego magazines, as one of the most reliable and effective electric service provider of the city. A spokesperson of the company says, ?Our services are compliable with all the electrical essentialities of an individual. We understand how the traditional electric technology is on the verge of transformation and so are the clients? demands and necessities. Therefore, we implement all our services in innovative patterns to leave no scopes for consumer dissatisfaction?. CLD Electric services are provided with an assurance of complete consumer satisfaction and a lifetime warrantee.

CLD Electric offers various discount coupons on their service schemes. The electrician in San Diego has included a live customer support on their online forum, where all customers can get their queries solved. The customer support has been made available for 24x7, alongside a toll free number, on which the clients can book services, or even submit their queries to receive instant solutions. The San Diego electrician is offering whooping discounts on their service packages and they provide a free home safety inspection on every service. They are also offering $20-$50 discounts on their service packages while a senior citizen can receive 10 percent off on any CLD Electric services. The San Diego electrician is also providing $50 discount on their surge suppressions services. Even, they are offering a flat $200 off on generator installation services. The company is also offering free electrical estimation within the San Diego County. When enquired about these huge discounts, a spokesperson replies, ?We always provide quality services at honest prices. We love to be engaged in our art and are always glad to receive orders. We want our services to make an easy reach to all regions of the San Diego County?. You can know about their service packages on http://cldelectric.com/

This electrician in San Diego always updates its working platform with the latest electric technology. Several genuine testimonials by gratified clients are displayed on their official website. The consumer reviews forums are noted to submit positive reviews about CLD Electric. For more information, visit: http://cldelectric.com/

About CLD Electric:

Website: http://cldelectric.com/

CLD Electric is the most widely accepted and notable electric service providers in San Diego. The company possesses long years of experience in this field and is headed by the city?s most well known and experienced electricians. After effectively serving the citizens with quality electric services, the company is motivated with its continuation in the near future.

Customer Care: CLD Electric

You have any query regarding the San Diego electrician professionals of CLD Electric you can contact the customer care any time. To know more about the prices and discounts, you can write to us at

About the Submitter
Address: CLD Electric


1666 Garnet Ave, San Diego, CA 92109
Live customer support offered 24*7 at: (619) 638-0228
Email: cldelectric@gmail.com
http://cldelectric.com/

Contact:
Keith Bowen
cldelectric@gmail.com
More Details about http://cldelectric.com/ here.

CLD Electric Offers Discounted Electrical Services In San Diego

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Keywords: electrician San Diego, electrician in San Diego, San Diego electrician, CLD Electric

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Brian Leiter's Law School Reports: Lateral Hires with Tenure Since ...


Shi-Ling Hsu (environmental law, law & economics) from the University of British Columbia to Florida State University.

Jody Kraus (contracts, commercial law, law & philosophy) from the University of Pennsylvania to Columbia University.? (He moved just last year from Virginia to Penn.)

Francine Lipman (tax) from Chapman University to the University of Nevada, Las Vegas.

Jonathan Lipson (bankruptcy, commercial law) from the University of Wisconsin, Madison back to Temple University.

Jacqueline Lipton (intellectual property) from Case Western Reserve University to the University of Houston.

Thomas Main (civil procedure) from?McGeorge School of Law, University of the Pacific to the University of Nevada, Las Vegas.?

Calvin Massey (constitutional law) from the University of California, Hastings to the University of New Hampshire, where he will be the first Daniel Webster Distinguished Professor of Law.

Jason Mazzone (constitutional law, intellectual property, legal history) from Brooklyn Law School to the University of Illinois.

Robert Miller (corporate & securities law, law & economics) from Villanova University to the University of Iowa.

Edward R. Morrison (bankruptcy, law and economics, empirical legal studies) from Columbia University to the University of Chicago.

Victoria Nourse (legislation, statutory interpretation, criminal law) from the University of Wisconsin, Madison to Georgetown University.

Rafael Pardo (bankruptcy, commercial law) from the University of Washington at Seattle to Emory University.

Ed Parson (environmental law) from the University of Michigan to the University of California, Los Angeles.

H. Jefferson Powell (constitutional law, law & religion) from George Washington University back to Duke University.

L. Song Richardson (criminal law & procedure, law?& social science) from American University to the University of Iowa.

Dorothy Roberts (race, gender & law, constitutional law, civil rights) from Northwestern University to the University of Pennsylvania.

Jim Rossi (administrative law) from Florida State University to Vanderbilt University.

Adam Samaha (constitutional law) from the University of Chicago to New York University.

Lynn Stout (corporate law) from the University of California at Los Angeles to Cornell University.

Alan Sykes (international trade law, law and economics) from Stanford University to New York University.

Andrew Taslitz (criminal law and procedure, evidence) from Howard University to American University (in 2012).

Amanda Tyler (federal courts) from George Washington University to the University of California, Berkeley.

Katharine Van Tassel (law & science, food & drug law, health law) from St. Thomas University (Florida) to the University of Akron.

Gideon Yaffe (philosophy of criminal law, philosophy of action) from the University of Southern California to Yale University.

Source: http://leiterlawschool.typepad.com/leiter/2012/07/lateral-hires-with-tenure-since-august.html

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Questions ? Answers Archive ? without bloodshed

Workers roadside construction of embankments surnamed Huang was an eyewitness, according to its introduction, after a traffic accident, his first call to call an ambulance to the rescue, and then try to find the family of the deceased.
?s father brought the matter to feel angry. According to family members the accident, since more than 20 days the Li Zhuxiong appearance commission a person to discuss compensation issues,louboutin, but there is no compensation.

Deceased father deal with the accident there is disagreement. He believes that the the Fogang Public Security Bureau Traffic Police Battalion Traffic Accident existence of fraud, favoritism perpetrators, Li Zhuxiong of Qingyuan City Public Security Bureau police. Puzzled by the family of the deceased, police the Li Zhuxiong driving deck vehicles on the road, traffic speed has not been identified, not actively rescue the injured after a traffic accident; Liu Guohui motorcycle ?neutral? so that passing vehicles at the intersection, knocked death,air jordan pas cher, let it bear the main responsibility is identified.

Causing a traffic accident the cause and responsibility: Danny Lau did not obtain a driver?s license to drive a motor vehicle of the non-automotive,polo ralph lauren pas cher, motorbike failing to wear safety helmets,air jordan pas cher, driving a motor vehicle failing to give way to vehicles traveling on the road within the normal priority access roads,abercrombie, the primary responsibility. Li Zhuxiong motor vehicle plates, driving vehicles to use other vehicles and driving do not meet the technical standards for motor vehicles on the road,abercrombie france, there is no insurance cover for bear secondary responsibility for this accident.

Other witnesses,air jordan, more than 60-year-old Liu said the old man, after the accident, he saw Danny Lau lying on the ground unable to move, without bloodshed, waiting over 40 minutes of hospital ambulance to the scene.

Qingyuan City Fogang Public Security Bureau Traffic Police Battalion accident Confirmation stated that at 9:40 on the December 22, 2009 Xu, the Li Zhuxiong Guangdong R30505 plate minibuses driving suspension traveling from west to east along the S292 line,abercrombie france, line 34M +500 M (Shek Kok Town Tan Village junction sections) at, and Liu Guohui driving from north to south roads Guangdong RL3225 two motorcycles collided, causing damage to two vehicles, Liu Guohui injured to the hospital died of traffic accidents .

January 18, Qingyuan City, Fogang Traffic Police Brigade, said a staff member, Qingyuan City Public Security Bureau police Li Zhuxiong driving deck car killed a retired non-commissioned officers of the matter,abercrombie, to disclose the public security organs at a higher level ?unified caliber ?only after an interview. ? Huangshou Zhou Chen Chong

The old man said,abercrombie pas cher, was repeatedly asked the perpetrators Li Zhuxiong to call for help, no response,air jordan, only to see Li Zhuxiong has been on the phone. The traffic police asked the record show that Li Zhuxiong due to run out of battery, there is no timely alarm.

According to Danny Lau parents, 23-year-old Danny Lau in 2008 have been forces as ?outstanding non-commissioned officers,polo ralph lauren, has just retired ten days and not find a job, a traffic accident. At that time, Liu Guohui a motorcycle out to eat breakfast, a village intersection (road protection with a gap) is killed by a passing car, accident car speeding straight to more than 60 meters from the scene come to a stop.
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Source: http://www.petboogie.com/questions/without-bloodshed

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Wednesday, July 25, 2012

Oxytocin As Love Potion

People who are in love associate this to bliss. True, as it seems as everyone has a longing to be satisfied, secured, trusted and most importantly happy. In romantic relationship, love brings out intimacy. A simple touch on the hand of your partner or perhaps hugging sends some electrifying volts to your senses that make you crave for more. We associated this to the assurance and that intimacy signals another level of romantic relationship. Hence, this two romantic people felt secured that his partner needs her in the same way that she needs him.

Physiologically, love is associated with the hormone called oxytocin. Oxytocin comes from the Greek word meaning "quick birth" because that large amount of this hormone are release at the time of giving birth. Oxytocin is also responsible for the twitter pated effect when your partner looks at you or holds your hand or gives you an embrace. Oxytocin is the hormone that stimulates during touching, fondling, hugging and during arousal or orgasm. This hormone is active most especially to those who claims that they are in love. It is the same explanations for those who suffered oxycodone addiction.

When in a romantic relationship, physiological explanations are immaterial because people are so focus on the pleasures they get from being in love; we even termed love as mysterious. However, love can be explained in Science on how it breeds emotions. Only few are aware that love addiction is like oxycodone addiction. Love can control you. In the same way that alcohol or drugs can control human life if abused. In such relationship, both parties are not growing anymore. They tend to depend to their partner, as if they cannot live without him/her or already used in attending the needs of their partner that they also forget their own needs.

Just like any other kind of addiction, love in its first stage gives you different feeling of happiness and security that you to tend to seek for more and crave for more and begging for more.

Love does not always mean happiness,nor pure pleasure, and not even magical. It may be a wonderful experience a person cannot afford to lose. However, in every form of relationship - romantic, filial, camaraderie, parental, it all needs responsibility to nurture the feelings so that both parties grow together in it. They should share the same sentiments, and should respect one another's needs and liberty. Go and grow with other people too. It is a challenge for everybody, in love or not, to let love nourish your being and your partner. Love addiction is simply love being abused on its own.

Joey Young is a writer on topics about http://oxycontinabusehelp.com/ and features of http://oxycontinaddictionrehab.com/

Source: http://articles.submityourarticle.com/oxytocin-as-love-potion-284346

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User:UrenaHollie602 - NEOS

From NEOS

Consumer Credit Counseling Service Orange County CA 92705 provides counseling to those who have overwhelming debt due to over use of credit cards. Once you fill the appropriate application, the debt evaluation analysis is free. The process involves your counselor contacting all your creditors and developing a payment schedule, one that is comfortable for you. Once this process is completed you simply make one monthly payment to the Ohio Consumer Credit Counseling which is then disbursed among all your creditors. Most often the creditors will drop late payment charges and fees for being over your credit limit.

Other Alternatives - Debt Negotiation or Debt Settlement

There are times when credit counseling is not the right solution for you. In that event, Ohio Consumer Credit Counseling also has debt negotiation and debt settlement programs. Your counselor sends letters to your creditors asking for either a repayment schedule or an amount that is agreeable between your counselor and the creditor to settle the debt. Debt settlement could possibly reduce the amount owed by approximately 60% to 80% and serve as an alternative to bankruptcy.

Orange County California 92705 services have several branches located throughout Ohio and West Virginia. Many branches offer some general counseling services free of charge. The counseling agencies also have lawyers and real estate agents that can help with bankruptcy counseling and housing counseling.

Community Education - Get Smart with Your Money

Educating the consumer about credit and how to use it wisely is another responsibility of Ohio Consumer Credit Counseling services. There are programs offered to individuals that can be taken online or attended in a classroom environment. The programs are also offered as presentations, workshops and seminars. These same presentations, workshops and seminars are held at community centers, schools, and work places.

You can learn quite a bit about how to manage your budget, save money for the future, and to achieve short and long term financial goals. Most of these courses can be taken online, over the phone or in person.

Those Affiliated With Consumer Credit Counseling Ohio

There are several nonprofit organizations that offer debt consolidation, debt management, credit counseling, and financial planning that are affiliated with Consumer Credit Counseling services. Some of the organizations are local community outreach centers, churches, and banks.

Respect your credit and your credit will respect you. There are no quick fix solutions to repairing bad credit. Recovering from bad credit and getting back to having a good credit score takes a good deal of time with your credit counselor and a lot of patience. On average, the usual amount of time to return to good credit can range anywhere from 1-3 years depending on each individual's situation. Once your credit is in good standing, take advantage of educational opportunities to use credit wisely and to positively change your spending habits.

Source: http://nemesis.astro.ncu.edu.tw/wikipedia/index.php/User%3AUrenaHollie602

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How Do I Sell My Retail Business? | Financial Solutions for Business ...

Business not growing well ? need to sell your retail store? there?s a series of steps you?ve got to follow to induce a good deal for your business. What you wish to try to to post sale of your business depends largely on how you perform pre selling method, since that?s not terribly straightforward.

Firstly, you?ve got to see the worth of your retail store. For that you simply ought to access the web to grasp the present market position of your product and services and compare them to alternative businesses. Pricing your product and services ought to be done terribly rigorously. Over and under-pricing, each keep potential consumers faraway from you. Pricing ought to be based mostly on an entire market analysis of the worth of your product. List of assets ought to be ready to judge the value of all tangible and intangible assets. A business profile has to be ready to produce data to the client regarding the retail store for sale. It should embrace details regarding the business operations, product and services, client base and past tax records. It offers the client a private bit and enhances his religion within the seller.

Financial statements ought to be presented before the client as a result of anybody would confirm to establish the profitability of the business he needs to get. Thus, Profit & Loss Account and Balance Sheet ought to be ready. you?ll be able to even take facilitate of an accountant to arrange the ultimate books your store. Not simply this, buyer or his representative might also raise for the past record of the business. So, it?s advisable to incorporate Profit and Loss account of the last 3-5 years within the Business Profile itself. It helps the client to grasp the number needed to hold out routine business operations and its maintenance.

Business Appraisal to gift a good and competitive price of the retail business for sale before the client should be done with the assistance of an accountant/broker. they?re knowledgeable in their fields and have an expertise of handling varied sellers and consumers and therefore would be able to analyze the true market position of your business and obtain you the most effective deal. All preparations would go waste while not putting up an advert regarding the sale of your business. it?s vital to well reveal sure details of your business to draw in potential consumers.

Cleaning the retail store properly before sale is imperative. Necessary replacements additionally ought to be created relating to furniture, fittings or electronics. After all preparations the ultimate paperwork has to be done. It should be tired steerage of a lawyer/broker therefore on avoid any mistake or unfair deal. If the vendor does not need to disclose abundant data to the client he ought to raise for a Non Disclosure Agreement to form positive his confidential details are safe. Deadlines should be set and met for final signatures of each the parties.

Source: http://www.voteyesc.com/2012/07/how-do-i-sell-my-retail-business/

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Turkey closing Syrian border to commerce, not refugees

GENEVA (Reuters) - - Turkey is closing its border with Syria to commercial traffic but will keep it open for refugees fleeing the Syrian conflict, a UNHCR spokeswoman said on Wednesday.

"We've received assurances that it is staying open. The border is closed for all commercial traffic in both directions, that is what we heard from the Turkish government," Sybella Wilkes, spokeswoman of the U.N. High Commissioner for Refugees (UNHCR), told Reuters.

About 300 Syrians had crossed overnight into Turkey, she added, some of them are using informal crossing points.

"The Turkish government is still actively welcoming refugees and offering them protection," Wilkes said.

Earlier, an official from the Turkish Customs and Trade Ministry told Reuters that all Turkey's border gates with Syria were to be closed from Wednesday, in response to worsening security conditions.

Crossing the border had become increasingly hazardous for truck drivers involved in trade between the two countries. They faced the constant risk of being targeted by combatants or caught in the crossfire between the two sides.

In all some 120,000 Syrian refugees have registered with UNHCR in four neighboring countries - Iraq (7,490), Jordan (36,323), Lebanon (31,004) and Turkey (43,387) - since fighting erupted 16 months ago.

In the past few weeks, the rate of Syrians arriving in Jordan has doubled to 1,200-1,300 per day, stretching a transfer facility overflowing with 6,500 people staying in desert conditions, Wilkes said. The agency is urgently building a camp with tents at Za'atri in Mafraq.

"We are quite literally working overnight to get it ready. We may need to move in thousands of people," she said.

(Reporting by Stephanie Nebehay and Tom Miles; Editing by Andrew Roche)

Source: http://news.yahoo.com/turkey-syria-border-closing-commerce-not-refugees-u-085451108.html

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