☆ Frequent updates which keep your screen. ☆ Simple Design, UI with faster access and greater performance. ☆ The free App provides thousands of Wallpapers and Backgrounds to make your screen unique and elegant. If you want a matching accent color, you can set it to automatic in Colours settings.Let your device become a source of self-expression, joy, inspiration and beautiful! Daily updates of free and awesome Wallpapers. These tools will not change accent colors as Windows does not allow changing it from external applications. All these tools work with both Desktop and Lock Screen backgrounds and are available to download from Microsoft Store for free. These were a few Windows apps that can help you dynamically change wallpapers on your Windows computer. National Geographic Photo of the Day Wallpaper Changer and NatGeo Wallpaper Downloader enables you to download National Geographic wallpapers with just one click. It automatically brings you a new wallpaper daily as per your choice and selection. PictureThrill puts new wallpapers from NASA, Bing & EarthSciences on your desktop. You can even change the wallpaper on the movement of the mouse! 5] PictureThrill This tool has several pleasing features that allow you to schedule wallpaper changes on your desktop on a daily or weekly basis. Wallpaper Change Scheduler is a freeware that allows you to change your wallpaper automatically in Windows 10. Bing Wallpapers can be applied on Desktop or Lock Screen easily.ĭownload Wallpaper Studio 10 here. Wallpaper Studio 10 also lets you browse Daily Bing Wallpapers in a set region. Apart from that, you can create custom collections as well which will include wallpapers that you would have selected. You can browse these collection categories wise, popularity wise or even country wise. ![]() These collections can be later set as slideshows on Desktop or Lock screen backgrounds. Using this tool, you can browse thousands of wallpaper collections created by various publishers or users in the community. This is a fairly complex application and comes with a lot of features. And another option lets you customize the resolution in which the image is downloaded on your computer.ĭownload Daily Desktop Wallpaper here. You can also specify a folder to save these wallpapers too. You can view up to the last eight wallpapers along with their descriptions.Īs I mentioned, the tool is a lot simpler and just has one job of updating the Desktop and Lock Screen background daily. The tool automatically fetches Bing Daily Wallpapers for the set region. This is a lot simpler tool any only for users who are interested only in Bing wallpapers. TIP: You can also display Windows Spotlight backgrounds on the Desktop. There is also an option to not download images on a metered connection and sync settings across devices. Download Dynamic Theme here. For Daily Bing images, the region can also be customized so that you get relevant images as wallpapers for your Windows desktop or Lock Screen. ![]() Other features include notifications whenever a new image is available, autosave of the Daily Bing or Spotlight image in the folder of your choice and much more. Dynamic Theme also works on Lock Screen and you can use this tool to maintain a common wallpaper on both screens at all the times. Not just that, you can even add custom images and the tool can easily run a slideshow on your Windows desktop. ![]() Dynamic Theme lets you dynamically change your wallpaper to daily Bing or Windows Spotlight Image. This is probably the best tool in the list as it is simplest and gets the job done. All of them are available to download from Microsoft Store. Best Automatic Wallpaper Changer apps for Windows 11/10 These tools fetch wallpapers from various sources including Bing, NASA, Earth Science, and Windows Spotlight. But in this post, we’ve covered 3 Windows apps that can dynamically change wallpapers on your desktop. Sadly, Windows does not come with an inbuilt feature to fetch pictures from the internet and apply them as a desktop background. Do you love how the wallpapers change dynamically on your Windows Lock Screen? Many people have asked me about how to get such dynamic wallpapers on the desktop.
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Traditionally, the Sun Goddess is symbolized by a metallic mirror. JLPT N4 Kanji: (kami) Meaning: Paper How to Read: Onyomi: (shi) Kunyomi: (kami) How to write : Common Words Using : () : paper () : letter () : sheets of paper sheet of paper () : white paper flyleaf () : space on a page (e.g. kami, plural kami, object of worship in Shint and other indigenous religions of Japan. It is generally represented with long black hair and dressed in a long white garment lined with red. Images of Amaterasu in human form appeared very late and are few. Inari and their fox spirits help the blacksmith Munechika forge the blade kogitsune-maru (Little Fox) in the late 10th century.This legend is the subject of the noh drama Sanjo Kokaji. ![]() Very little or no carvings of the deities (except for the deity Inari in Shintoism ), some images. It should be noted that if Shinto mythology includes a large number of anthropomorphic gods and goddesses, unlike Buddhist deities, the latter is very rarely represented. On the other hand, a name with very few variations in kanji is unique and rare to the Japanese. Visitors cannot approach the heart of the sanctuary and must stay at the bottom of the steps that lead to it. The more numerous variations of kanji, the more common name is in Japan. It is also said that it is Amaterasu who developed the rice fields, the cultivation of wheat, the breeding of silkworms, and the art of weaving.Īmaterasu is worshiped in Naiku Shrine, Ise-jingu Inner Shrine, Japan's holiest Shinto shrine. According to the Kojiki, Amaterasu would be the direct ancestor of the emperors of Japan as she sent her grandson Ninigi to rule and the latter's grandson would be Jinmu, the first mythical emperor of Japan. The universe brightened up again and the worship of the sun goddess never dries up. All the kami came to beg her to come out and ended up, tricking her, by making her leave her cave. Legend also has it that, following an argument with her younger brother Susanoo, Amaterasu retreated to a cave, and darkness reigned over the world. Fujin’s name in Kanji writing literally translates as Wind God but he’s also known by the name Futen which means Heavenly Wind. It is represented in the Japanese flag, in the form of the solar disk.ĭaughter of Izanagi and Izanami, she would have been born from the left ear of her divine father. Viewed as both a kami (god, divine spirit) and an oni (demon), Fujin is responsible for every gush of wind that blows around the globe. Humans constantly interact with supernatural beings who have reactions similar to those of human beings.Īmaterasu: the greatest deity of the Shinto religionsĪmong the many Shinto deities, Amaterasu, the goddess of the Sun, literally "the one who makes the sky shine", is the most revered. ![]() Here the relationship is less hierarchical than in the Western conception. This worldview involves an almost material, causal relationship with "God". This fault ( tsumi) activates the punishment or ( tatari), which one can ward off by purifying oneself ( harau). ![]() Words indicated by the symbol have computer-generated audio that can be listened to by clicking on it.These deities and spirits are each animated by beneficial powers or/and a "spirit of violence" that can be awakened if ever one encroaches on their domain or if one is guilty of a related fault with their field of action. If that's the case, it will be represented beside it. In some cases, the same word may have different pitch accents, and sometimes the pitch accent depends on the part of speech of the word. The transliteration can also contain the pitch accent representation for the pronunciation of this word. There is also the transliteration written in kana ( hiragana or katakana) and romaji (using the Hepburn method). If the word has one or more kanji characters, its furigana will be written on top of them. Furiganaįurigana are the smaller kana characters, printed over the kanji to indicate their pronunciation. Words having multiple readings will be ordered by popularity. If the word is represented in kanji, the reading section shows how this word is read. ![]() Katakana: Phonetic alphabet used to represent foreign words, places, onomatopoeias, etc.Hiragana: Phonetic alphabet used mostly in combination with kanji.Every character represents an idea or concept. Kanji: Ideographic alphabet of Chinese origin.You may be asking yourself, but I thought that anata was the Japanese word for ‘you’ and if so, you would be correct. When it is done this way, the meaning of the word is you in English. The Japanese language has three different alphabets: What Does Mean The most common way to write kimi in Japanese is with the kanji. ![]() Incidence of mother-to-child transmission of hepatitis b in relation to maternal peripartum antiviral prophylaxis: A systematic review and meta-analysis. Yao N, Fu S, Wu Y, Tian Z, Feng Y, Li J, et al. “Global, regional, and national burden of hepatitis B, 1990-2019: A systematic analysis for the Global Burden of Disease Study 2019.” The lancet. ![]() ![]() T-cell immunity effects hepatitis B virus immunological characteristics mother-to-child transmission pregnancy.Ĭopyright © 2023 Lu, Cao, Zhang, Yang, Bi, Lin, Deng, Jiang, Sun, Zeng, Lu, Zhang, Liu, Gao, Wu, Hao, Chen, Hu, Xu, Xiong, Dong, Song, Li and Xie. This article reviews the literature on immunological characteristics of chronic HBV-infected patients during pregnancy and postpartum, blocking mother-to-child transmissions and related immune mechanisms, hoping to provide new insights for the prevention of HBV MTCT and antiviral intervention during pregnancy and postpartum. Meanwhile, HBV humoral and T-cell responses are important for the durability of protection after fetal vaccination. The maternal and fetal T-cell immunity in HBV infection is important because adaptive immune responses, especially virus-specific CD8 T-cell responses, are largely responsible for viral clearance and disease pathogenesis during HBV infection. It is interesting to note that after delivery, the women who had a chronic HBV infection may spontaneously achieve HBeAg seroconversion and HBsAg seroclearance. The changes in the immune environment during pregnancy and the hepatotropic nature of HBV may be the main reasons for the adverse maternal outcomes. In addition, new research has indicated that HBV infection in the mother may also be linked to unfavorable outcomes such as gestational diabetes mellitus, intrahepatic cholestasis of pregnancy, and premature rupture of membranes. For example, IL-4 can mediate the beneficial effect on infants' HBsAb levels when maternal folic acid supplementation. Some studies have also found that some supplementation during pregnancy can increase cytokine levels and then affect the level of HBsAb in infants. Unfortunately, some infants still have chronic HBV infections. The passive-active immune program for children, which consists of the hepatitis B vaccine and hepatitis B immunoglobulin, and antiviral therapy for pregnant women who have a high HBV DNA load (greater than 2 × 10 5 IU/ml), are currently two of the most important ways to prevent the transmission of HBV from mother to child. HBV DNA high level, HBeAg positivity, placental barrier failure, and immaturity of the fetal immune are the possible causes of chronic HBV infection. Approximately 6.4 million children under the age of five have chronic HBV infections worldwide. One of the most common routes of chronic hepatitis B virus (HBV) infection is mother-to-child transmission (MTCT). 8 Department of Infectious Disease, Beijing Ditan Hospital, Capital Medical University, Beijing, China.7 Department of Infectious Disease, Haidian Hospital, Beijing Haidian Section of Peking University Third Hospital, Beijing, China.6 Department of General Surgery, Beijing Ditan Hospital, Capital Medical University, Beijing, China.5 Department of Hepatology Division 2, Peking University Ditan Teaching Hospital, Beijing, China.4 Infectious Disease Department, Xuanwu Hospital, Capital Medical University, Beijing, China. ![]() 3 Department of Infectious Diseases, Miyun Teaching Hospital, Capital Medical University, Beijing, China.2 Department of Obstetrics and Gynecology, Wuhan Children's Hospital (Wuhan Maternal and Child Healthcare Hospital), Tongji Medical College, Huazhong University of Science and Technology, Wuhan, China.1 Department of Hepatology Division 2, Beijing Ditan Hospital, Capital Medical University, Beijing, China. ![]() Sexy Horror Movies and TV Shows To Watch On Netflix, Amazon, HBO, and More Where To Watch 'Once Upon A Studio' Full Short To Celebrate Disney 100 Stream It Or Skip It: ‘Ruby Gillman, Teenage Kraken’ on Peacock, an Animated Adventure That's Generic In Spite of That Titleĭaily Wire Takes Aim At Disney With New Live-Action 'Snow White' Movie Starring Conservative YouTuber Stream It Or Skip It: ‘Peter and the Wolf’ on Max, an Animated Short that Reinvigorates a Familiar Tale When Will the 'Taylor Swift: The Eras Tour' Movie Be Streaming? ![]() ‘The Return of Tanya Tucker’ Sees Brandi Carlile Help Country Star Relaunch Her Her Careerĭirector Shawn Levy Claims Taylor Swift "Has The Makings Of A Hell Of A Director": "A Generational Voice And Creative Force" Stream It Or Skip It: ‘Louis Tomlinson: All Of Those Voices’ On Paramount+, Where The Ex-One Direction Singer Finds Himself As He Flies Solo Stream It Or Skip It: ‘Vjeran Tomic: The Spider-Man of Paris’ on Netflix, a Must-See Doc About the Man Who Heisted $100m in Paintings from the Paris MoMAįormer NFL Running Back Rashad Jennings Mistakes Quentin Tarantino For "Puentin Tarantino" In A Hilarious 'Celebrity Wheel Of Fortune' MishapĬhristopher Nolan Praises Taylor Swift For Sidestepping Studios For Her 'Eras Tour' Movie: "It's Going To Make An Enormous Amount Of Money" 'Killers of the Flower Moon’ True Story: How Martin Scorsese Turned the Oklahoma Reign of Terror Into a Story of Love and Betrayalīritney Spears Sobs In Gut-Wrenching Audition Tape For 'The Notebook' 'Killers of the Flower Moon' Is The Crown Jewel Of DiCaprio-Scorsese Collaborations 'Parasite' Star Lee Sun-Kyun Being Investigated For Drug Use, Will No Longer Star In Dark Comedy 'No Way Out' Watch Martin Scorsese’s 16-Minute Movie ‘The Audition’ During Your ‘Killers of the Flower Moon’ Bathroom BreaksĪdam Sandler Interrupted A Performance To Help An Audience Member Experiencing A "Medical Emergency": "Let's Make Sure Everybody's Good Here"īill Burr’s Netflix Movie ‘Old Dads’ Offers Much-Needed Self-Reflection For the Anti-Woke Crowd: Go To Therapyīritney Spears' Team Tried To Make Her Work "18-Hour" Days While Filming 'Crossroads,' According To Producer Whitney Cummings Teams With Unlikely Partner OnlyFans To Release The Platform's Very First Stand-Up Special, 'Mouthy' Stream It Or Skip It: 'Creature' On Netflix, A Turkish Drama About A Med Student Who Resurrects His Mentor And Suffers The Consequences Stream It Or Skip It: 'Disco Inferno' on Netflix, a Horror Short Set in a Chaste Church-Turned-Sinful Discoġ1 New Halloween Movies to Watch This Spooky Season ‘The Craft’ Gave Power To Alt-Goth Weird Girls With One Perfect Line ![]() Additionally, note that if you are currently subscribed to Quicken Deluxe, Quicken Premier or Quicken Home & Business, by redeeming the free Quicken Starter product, you will lose some of the features that are associated with your current higher-tiered product. If you are redeeming the free Quicken Starter product through the purchase of TurboTax, and you are currently in an active Quicken subscription and not within 6 months of your renewal date, you will have to return to this page within 6 months of renewal in order to redeem. You can manage your subscription at your My Account page. For full details, consult the Quicken Membership Agreement. ![]() At the end of the membership period, membership will automatically renew every year and you will be charged the then-current price (prices subject to change). Full payment is charged to your card immediately. Purchase entitles you to Quicken for the term of your membership (depending upon length of membership purchased), starting at purchase. The App is a companion app and will work only with Quicken 2015 and above desktop products. Not all Quicken desktop features are available in the App. Quicken App is compatible with iPad, iPhone, iPod Touch, Android phones and tablets. Standard message and data rates may apply for sync, e-mail and text alerts. 14,500+ participating financial institutions as of October 1, 2018. Phone support, online features, and other services vary and are subject to change. Third-party terms and additional fees may apply. ![]() Monitoring alerts, data downloads, and feature updates are available through the end of your membership term. It feels like you’re not wearing a bra at all-thanks to the lightly lined, seamless fabric-yet offers an invisible cloak of support. You know that feeling of not wanting to wear a bra, but you still want a tiny lift, some coverage, and that rounded, smoothed-out look? We found the perfect bra for that: Calvin Klein’s Invisibles Lightly Lined Triangle Bralette. Size Range: XS-XL | Material: 79% Modal, 21% Elastane | Seams: No | Adjustable: Yes | Color Options: 4 The back closure clasps together like a traditional bra, which, at first, we thought would be annoying, but we ended up appreciating that we didn’t need to pull it over our heads to put it on. It hugged everything perfectly without creating lumps, bumps, or being too tight. It has cups that actually stay in place and even provide a really nice smooth shape.Īs for the band, many of us felt that this was the only bralette that went totally undetectable while also offering great support, even for larger chests. ![]() Normally, several of our team members aren’t huge fans of removable pads since they get crinkled in the wash and can often get misplaced-but this bra changed our minds. “Plus, I like knowing I can adjust the straps if I want a tighter fit.” “My bralette isn’t too tight or too loose-it’s just right,” she says. ![]() Commerce editorial project manager Danielle Ransom, who falls between the sizes, says the fit was perfect when she followed the brand’s size guidelines. Since the bralette is available in sizes XS through XL, it’s consistent with standard t-shirt sizing (though we do recommend checking out the brand’s size guide). When it comes to size range, this bralette could be a bit larger, but everyone on our team was able to find the right fit (even those with larger D cups). We wore this bra while out and about, lounging, and even sleeping, and we were pleased with how comfortable and supported we felt, making this the most versatile of the bras we tested by far. We can confirm that the Butter Soft-Support Adjustable Bralette from Commando does, in fact, feel like butter (thank you, luxuriously soft Austrian modal blend)- but it actually offers a whole lot more than that. ![]() The result: This curated list of the best bralettes. We paid attention to how each one felt after several wears-taking note of whether or not the straps pinched, dug into the skin, or fell down-and considered how supportive the bralette was for various body types during a number of different activities. So, we did extensive research, tapped experts, and even tried several options at home (and obviously wearing them for several days on end). “The style of bralette you choose should flatter you, so it may require a few try-ons to find your perfect match,” she adds.īut, like all things, not all bralettes are created equal. Sapna Palep, CEO of the lingerie brand Journelle, explains that although bralettes are simpler than bras (they’re constructed sans molded cups, padding, underwire, and more) and feature more flexible sizing, the same rules apply. Selecting a bralette requires a lot more thought than you might think, especially if you want it to fit well and serve you for years to come. Perhaps the most versatile type of intimate on the market, bralettes offer the comfort we all crave while still being supportive and functional enough to be worn with almost everything-from sweat sets and athleisure to dresses and pantsuits. ![]() Who doesn’t love lounging around without the confines of tight clothing and restricting fabrics? While there’s definitely a time and place for sweatpants and old t-shirts, you’ve got options when it comes to undergarments. With a collective project value of $350 million, national winners from Oman include the Muttawar Omani Company’s Lamar Bausher Muttawar Residential Development Project (nominated by Larsen & Toubro) as Residential Project of the Year Public Authority of Electricity and Water Sultanate of Oman’s Construction of Emergency Water Storage Reservoirs Project as Power and Water Project of the Year Al Taher Group Company’s Oman Avenues Mall-Stage 2 Project (entered by SAM Engineering) as Retail Project of the Year Lycee Francaise De Mascate’s Construction of New French School, Muscat Project (nominated by 23 Degrees North and SAM Engineering) as Social, Culture & Heritage Project of the Year and Muscat Municipality’s Design & Construction of Underpasses and Flyovers Darsait-Al Wadi Al Kabir Road (entered by Larsen & Toubro) as Transport Project of the Year. Alsager Cardiac Centre Project (entered by AGi Architects) as Social, Culture & Heritage Project of the Year and Wall House Project (entered by AGi Architects) as Residential Project of the Year. National winners from Kuwait, whose combined project value exceeds $524 million, include Central Bank of Kuwait’s New Headquarters Building Project Package 2 (entered by China State Construction Engineering Corporation) and Public Authority for Minor Affairs’ (PAMA) Project (entered by PACE) as Building Projects of the Year as well as Alargan International Real Estate Company’s Argan Business Park as Sustainable Project of the Year, sponsored by Besix Ministry of Health’s Hisham A. ![]() ![]() ![]() Dubai, United Arab Emirates 27 March 2015 – Leading regional business intelligence provider, MEED, has announced the national winners of its quality projects recognition programme in the Gulf region.Ī total of 50 projects from Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and the United Arab Emirates earned the distinction of being the highest quality projects at the country level in this year’s edition of the MEED Quality Awards for Projects, in association with Mashreq.īahrain’s national winners, whose combined project value is estimated at over $787 million, include the Bahrain Four Seasons Project (entered by Six Construct) as Leisure & Tourism Project of the Year Ministry of Youth & Sports Affairs’ Demolishing and Re-Build of Hala Club Project as Small Project of the Year Muharraq Sewage Treatment Plant and Sewer Conveyance System Project (entered by Arcadis) as Power and Water Project of the Year and Tatweer Petroleum’s Light Oil Steam Flood Project as Oil & Gas Project of the Year, sponsored by Parsons.īahrain Property Mushakara Trust’s Danaat Al Madina Project (entered by Eskan Properties Company) scooped a trio of national trophies in the following categories – Sustainable Project of the Year, sponsored by Besix Residential Project of the Year and Mixed Use Project of the Year. ![]() Always use warm water to clean your cast iron after cooking, so it doesn’t warp or crack from a shock of cold, and here it’ll help speed up the drying process, too. It may take some elbow grease, depending on the severity of the cast iron rust. Wash your pan with a drop of mild dish soap and warm water, and clean away any lingering rust with a mildly abrasive sponge, like a green scrub pad or this Kamenoko Tawashi scrubber made from palm fibers. If that happens, retire it to a piece of farmhouse-chic kitchen decor. The vinegar solution will dissolve the rust, but once that’s gone, it can penetrate further and start eating away at the original cast surface of the pan, the ultimate death sentence for your skillet. This process can take as little as an hour or up to eight hours frequent check-ins are important to ensure your skillet doesn’t soak for longer than necessary. Check the pan every 15 minutes or so and remove it from the solution once the rust easily flakes away. Make sure the entire pan is submerged in the mixture, handle included. Mix equal parts water and distilled white vinegar and add it to a container that will fit your rusty cast-iron skillet, such as a bucket or a deep foil pan. If you’re a *seasoned* cast-iron user who knows that submerging in liquid is a major no-no, this may shock you, but don’t worry-you’ll re-season your skillet before you cook with it again. For more serious cases, start with a vinegar soak. If you’re dealing with minor surface rust, you can probably skip this step, opting instead to use a scouring pad or kitchen towel to rub about ⅓ cup kosher salt into the surface of the pan until the spots of rust have been removed. Soak your cast iron in vinegar (or don’t). Once your pan is rust-free, be sure to get in the habit of properly cleaning and seasoning your cast iron so that we never have to go through this again. A few steps might seem counterintuitive, but the goal here is to remove the layers of seasoning entirely, eliminating the rust so that you can start over with a fresh, even surface. Fortunately, there is an answer for how to get rust off cast iron, so don’t throw it out. Cast-iron cookware is meant to last a lifetime, so even if you picked up a far-gone skillet or Dutch oven at a tag sale, it is possible to restore it to peak form. ![]() So you haven’t been seasoning your cast-iron pan-or worse, let it sit in a wet sink-and now it’s plagued with rust. ![]() In 2018, a proposed class action filed in New York federal court claimed Phoenix Financial Services LLC failed to clearly specify a consumer’s debt amount in a collection letter. You can sue a debt collector. Here is a Sample Case Filed in Federal Court: Find out if we can help you too today!Ĭan you help me file a No Fee Lawsuit against Phoenix Financial Services?Ībsolutely. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Contacting an attorney BEFORE this could possibly happen would be a smart move. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. It is also unlikely PFS would sue you for a debt you may not owe or they cannot validate. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. Website: Can Phoenix Financial Services Sue Me or Garnish My Wages? Justia lists at least 5 legal complaints filed against PFS. Many of the positive reviews are the result of people who have voluntarily called in to pay or settle a debt, or who appear not to be otherwise impaired by financial difficulties. Of the 36 total customer reviews on the BBB website, 26 are negative. ![]() This occurrence may be caused by PFS’ business model, which requires them to purchase third-party debt in large quantities. Many of these complaints indicate that people who receive debt collection notices from Phoenix Financial often do not recognize the bills or the original creditors and often have to negotiate to have false and damaging information removed from their credit reports. ![]() As of August 2017, the BBB lists a total of 129 closed complaints, 123 for billing or collection issues and 6 for problems with customer service. The Better Business Bureau indicates that this collection agency has been in business for three years and has been accredited since 2015. Many complaints against Phoenix Financial Services result from overly aggressive or abusive practices. How many complaints are there against Phoenix Financial Services? Furthermore, like student loan debt, their secondary specialization on medical billing puts them in contact with people whose debts are often not the result of reckless consumerism or abuse of high-limit credit cards. They have focused on collecting student debt, much of which is the result of predatory financial schemes underwritten with government-backed subsidies and accompanied by wage-garnishment legislation. Phoenix Financial Svces is a young company in a very competitive industry. Their pay online feature requires users to agree to accept phone calls from Phoenix Financial as a condition of using the service. Their contact form collects information from site visitors but does not inform them of their rights under the FDCPA. There are also links to the three credit reporting agencies. Student Loan resources only refer site visitors to loan companies and information about wage garnishment. Federal resources include a link to the Internal Revenue Service page. However, their consumer resources page is not particularly helpful. Their website hosts fairly complete information about regulatory and compliance laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Debt Collections Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and the Health Insurance Portability and Accountability Act (HIPAA). PFS is a relatively new operator in the debt collection industry, and their founding date coincides with the recent upsurge of debt among college graduates resulting from the unprecedented corruption of the university system by widely publicized predatory lending schemes. ![]() Phoenix Financial Services focuses exclusively on debt collection, specializing in student loan debt, medical bills, and unpaid taxes and government obligations. PFS’ website indicates that they are a “results-oriented revenue cycle management firm powered by data driven analytics and backed by the highest standards in regulatory compliance, quality assurance, data security, and customer care.” Who does Phoenix Financial Services collect for? Buzzfile indicates that Phoenix Financial has annual revenue of almost $500,000.00 and employs five people. According to the Indiana Secretary of State’s Office, PFS were founded in 2014 and have a perpetual business license. They are listed as a domestic limited liability company located in Indianapolis, IN. Phoenix Financial Services, LLC is a legitimate collection agency. If you have 1 plate gap between chimney and ceiling, thats why, sorry! ) 2-0 version of instruction- added some basic benches inside dungeon, small crow build, one more leaf on the wall, removed two black round plates from bridge mechanism, pages visuals reworked, added narration, moved some bricks between steps, added some, removed some. ![]() 8in (65.6cm) / 9.9in (25.1cm) / 13.2in (33.4cm) I hope you will find this build enjoyable ) Changelog: 1-01 version of instruction- moved gray 1x2 plate from page 415 to page 371, there should be stack of two in over the chimney. What we have: -elavated drawbridge -lifting lattice -secret enterance -place for 1 horse (old and new should fit, not included in the set or manual) -minifigs stuck on drawbridge during elevation coming down to dungeons -watermill powered anvil -12 separate rooms -4 towers -3 walkways on the walls -optional ramp build instead of stairs (photo) -there are 3 sections that can be separated for easy transportation extra builds: -grocery store with well -catapult (minor redesign of original B build) -dragon ( ) Dimensions width/length/height: -closed: 13.3in (33.8cm) / 12.8in (32.6cm) / 13.2in (33.4cm) -opened: 25. ![]() I wanted the overall shape to resemble upcoming 10305, with similar play features. I left old one for the reference, if you are going to find any bugs during the build, please let me know! Also, don't forget to share picture of your finished build :) It is my great pleasure to present you my first MOC, created from 3 x 31120 with no extra or spare parts used. Hopefully, it will make your building experience better. 2.0 Big manual rework, with some bonus narration inside. |
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