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9/28/2023 0 Comments Skull and bones shipsPerks: Improved defenses on anchor Improved damage on anchor.Perks: Improved brace efficiency Improved hull hitpoints.Perks: Improved cargo capacity Sails and fire resistance.Perks: Better defence at half sails Improved sails break ability.Perks: Improved brace efficiency More broadside weapon damage.Perks: Automatic harvesting Improved harvesting.Dhow (first ship, light, hunter-gatherer).It's worth keeping in mind that perks and other particularities might be different at launch. Here are the 12 Skull and Bones ships available at launch, as spotted in the dev blog linked above. In addition, you'll be able to customize your ship with cosmetic skins, accessories like cargo bags, which expand your carrying capacity, as well as different types of armor that protect against specific types of damage but are vulnerable to others. Generally speaking, the bigger vessels are able to equip more and/or bigger weapons, including the dreaded Giant Ballista or Greek Fire. Weapon availability is another important aspect, as different ship types can equip different types of weapons. A ship's draught profile determines whether it can navigate rivers heading inland, approach the coast, or head onto the ocean.Īs you probably expect, bigger ships won't be your go-to choice for gathering resources from narrow rivers and lakes. Size is another important factor, which goes beyond just the visuals. These three ship types offer a sense of the positives and negatives of each ship, but there's more going into how they play, to the point where the developers claim that all 12 have their own gameplay styles. If the flurry of explosives headed your way doesn't give them away, their blocky hulls, the average number of sails and squarish appearance might. They boast streamlined hulls, the highest number of sails, and a pointy appearance.įirepower type ships come equipped with the most gun ports but are harder to maneuver. Navigation type ships are the fastest of the bunch but have less cargo space and hull hit points. You'll know them by their rounded hulls, a smaller number of sails, and bulky appearance. They're best suited for carrying high quantities of loot. Cargo type ships are resistant but slower and not extremely maneuverable. I'm still waiting to see how Ubisoft is able to spin this spin-off (it plays almost identically to Black Flag ship battles) into something that can stand alone.As you gain more infamy and make your name known across the Indian Ocean, you unlock blueprints and designs that, given the proper resources, enable you to craft new, bigger Skull and Bones ships while also gaining access to different types of vessels.Īt launch, Skull and Bones will feature 12 ships spread across three types. Playing with other E3 attendees offered a glimpse of how everyone could pillage the high seas. Raiding ships is surprisingly well-suited to squad fights, and due to my Black Flag experience, I knew exactly what I was doing. The demo I saw was entirely multiplayer, but not everyone's ship was the same: I could choose from a mid-size Brigantine a ramming vessel the Sloop-of-War, which is like the sniper of pirate ships with long-range cannons or the tank ship, the Frigate, which is slow but powerful. Caution: slightly shallow gameplay waters ahead. It'll be a standalone title when it launches in 2018, but ahead of open-beta testing, I got to enjoy some demo time at E3. As the Pirates of the Caribbean movie juggernaut refuses to let Jonny Depp rest for more than a year or two, Ubisoft's Skull and Bones takes the ship battles of Assassin's Creed: Black Flag and turns them into grand-scale, five-on-five multiplayer naval warfare. 9/28/2023 0 Comments Coffee break meme“Dear Santa, all I want for Christmas is…coffee. “A bad day with coffee is better than a good day without it.” 20) Dear Santa, don’t forget the funny coffee humor! “When that first cup of coffee touches your soul.” 18) Darkness-free funny coffee humor! “I don’t care if the glass is half full or half empty – is there coffee in it?” 15) Coffee humor is getting serious! “Can I call you back in a few cups of coffee?” 14) “What’s the best Beatles song? Latte Be!” 13) “I believe humans get a lot done, not because we’re smart, but because we have thumbs so we can make coffee.” – Flash Rosenberg 12) Let it be with funny coffee humor. “Coffee: Because Monday happens every week!” 10) Before and after coffee humor is funny! “Barista: How do you take your coffee? Me: Very, very seriously.” 9) “How are coffee beans like kids? They’re always getting grounded!” 7) Bad day? Here’s some funny coffee humor. “Coffee: Because anger management is too expensive!” 6) “I don’t need an inspirational quote, what I need is a freaking cup of coffee.” 5) And funny coffee humor is free! “Ahhhhh coffee! Nature’s little kiss of goodness.” 3) All you need is funny coffee humor! Enjoy them in the morning while sipping on your coffee and it will only add to the enjoyment. If you enjoy coffee as much as I do, I’m sure the following images, quotes, and memes will bring a smile to your face. Coffee humor celebrates all of the funny and motivational things we associate coffee with. It’s funny because it’s true! Just a couple of sips and you’re ready to tackle your day no matter what it throws at you. It’s funny how a liquid potion made from magic beans can bring you back to life in the morning. When it comes to the 9 to 5 grind, nothing hits the spot early in the morning like a steaming hot cup of coffee. Other special cases in the preterite in Spanish SER: Yo fui, tú fuiste, él fue, nosotros fuimos, vosotros fuisteis, ellos fueron. Keep two things in mind first, the endings used for –ER and –IR verbs like COMER and ABRIR are identical, and second, the conjugations for the pronouns YO, ÉL, ELLA and USTED in the preterite tense will always use a tilde over the last vowel for regular verbs. Know that you will also find irregular verbs in the past tense.Īs you can see in the chart below, the stem of regular verbs in the past tense in Spanish will not change at all for most verbs, only their ending. Verbs in the preterite tense in Spanish will change just the same way verbs in the present tense do, depending on the subject of the sentence. Just like in English, the preterite or past tense will be used for actions that happened at some time in the past and have already finished. We can refer to the past tense in Spanish as “ El pretérito perfecto simple”, “El pretérito indefinido” or simply as “El pasado simple”. Let’s start The past tense of regular verbs in Spanish As usual, you will find simple explanations, many examples of sentences and interactive quizzes to test yourself. In this lesson, we will learn the basic rules to conjugate both regular and irregular verbs in the preterite tense in Spanish properly. View tutors' videos and book a free trial session here.In everyday interactions, it is very common to find ourselves talking about past events in Spanish, things that happened recently or a long time ago. Learn Spanish fast with 1-on-1 lessons tailored to your needs. (note the translations provided in the video above are in both French and English) How to conjugate tener in the preterite tense - recommended video: These are used much more in Latin America than in Spain - the latter being more informal. Usted = you (singular formal) & ustedes = you (plural formal).vosotros/vosotras = you (plural, informal, Spain only).Here's a reminder of what the Spanish personal pronouns mean: Check tutors’ reviews and videos HERE, and consider booking a free trial session (no card required). At LanguaTalk, we make an effort to find the very best online tutors, and many of them offer lower rates than you’d find in your local area. If you want help with grammar, or you just want to become fluent in Spanish, you may want to take personalised 1-on-1 lessons.Through speaking and listening on a regular basis, you’ll learn to conjugate verbs correctly most of the time even if you don't remember the rules and exceptions off by heart. Don’t worry about memorising all the conjugations perfectly.Tener is an irregular verb, including in the preterite tense.He said you had a conversation on the stairs. (tener is used here as the literal translation is 'I had fear' for 'I was afraid'ĭavid, nuestro mago, parece que tuvo un ataque de nervios.ĭavid, our magician, apparently seems to have had a nervous breakdown.Įl dijo que tuvisteis una conversación en las escaleras. I was afraid, I felt my heart beating very fast. Yo tuve miedo, sentí el latido de mi corazón muy rápido. Here are some examples of conjugating tener in preterite form: Examples: how to conjugate tener in preterite tense Want to learn Spanish faster? See videos and reviews of our talented tutors. 9/27/2023 0 Comments Ftp client meaningThe Username and Password text field are for servers that require authentication before granting access. The Host text field is where the address of the server is typed in. In the image above, there are different text fields. They provide a graphical user interface (GUI) which we can interact with.īelow, we'll see what an FTP client looks like and how we can use it. There are numerous FTP client software available for use. We'll discuss FTP clients in the next section.Īn FTP client is software that creates a connection between the computer requesting access and the server where the files are stored. Once you are on the server, you can then interact with files uploaded to the server by the owner. You can do this by typing the address of the server in your browser. There are two general ways of gaining access to an FTP server: When the user has successfully visited/logged in to an FTP server, they can either download or upload files on the server. Server connections that do not require any sort of authentication before accessing the files are referred to as anonymous FTP. To transfer files between computers using FTP, you have to visit an FTP server (I'll explain what an FTP server is below).ĭepending on the type of server you visit, you may be required to enter a username and password in order to access the files in the server. HTTPS (Hypertext Transfer Protocol Secure). This is a network/communication protocol for transferring files between computers over a TCP/IP (Transmission Control Protocol/Internet Protocol) network. 9/27/2023 0 Comments Gorilla skull traditional tattooYou could also go with a more realistic design, featuring an accurate depiction of a gorilla in all its glory. Some popular designs for gorilla tattoos include tribal designs, which can give your tattoo a truly badass look. You’ll surely be inspired with the perfect idea of which tattoo style to get, as well as where to get tattooed on your body. Below we’ll show you the most unique, most stylish, and best-looking lion tattoo ideas of 2023. These tattoos can be designed in a variety of ways, making them perfect for any man who wants to show off his macho man personality through his ink. But before you go and get your own lion tattoo, let us help guide you in choosing the perfect piece of ink. They have a hairless faces with small eyes, large muscular hands, broad chests and shoulders, and broad chests and shoulders. See more ideas about gorilla tattoo, traditional tattoo, traditional tattoo art. 80+ Badass Gorilla Tattoos to Show-off Your Masculinity By Dennis Cook / MaGorillas are an herbivorous animal that lives primarily in deep forests. Men choose tattoos of Gorillas because these are unique and masculine tattoos. Explore David Morrisons board 'Gorilla tattoo' on Pinterest. This makes them an ideal symbol for maternal strength and protection. Gorillas are one of the few species of animals that have been known to care for their young after they are born. Some people also choose a gorilla tattoo because it is associated with motherhood. For many people, a gorilla tattoo represents all of these qualities and more. Gorillas are known as one of the strongest animals in the world, and they can be fierce protectors of their families and home. After all, traditional tattoos are well-known for their distinct linework and conventional white and black colors. Download 2,000+ Royalty Free Gorilla Tattoo Vector Images. If you want a bold tattoo design of this animal, then going for a traditional black snake tattoo is your best bet. Gorilla Tattoo Vector Images (over 2,000) The best selection of Royalty Free Gorilla Tattoo Vector Art, Graphics and Stock Illustrations. Overall, you should definitely consider traditional skull tattoo fillers to give your sleeve the finishing touches for a gothic look. The gorilla has been used as a symbol by many different cultures throughout history, so it’s important to do your research before settling on a design.Ī gorilla tattoo is a popular choice for people who want to represent strength, power, and protectiveness. Let’s begin the list with black snake tattoo designs. Going back to the old times, skull tattoos are worn by sailors to symbolize one’s acknowledgment of certain death, which is part of the natural cycle of life. Press esc, or click the close the button to close this dialog box.If you’re considering a gorilla tattoo, there’s more to consider than just the meaning of the animal itself. Search (Combination + S): Shortcut for search page. Site Map (Combination + M): Shortcut for site map (footer agency) section of the page. Main Content (Combination + R): Shortcut for viewing the content section of the current page.įAQ (Combination + Q): Shortcut for FAQ page.Ĭontact (Combination + C): Shortcut for contact page or form inquiries.įeedback (Combination + K): Shortcut for feedback page. Home Page (Combination + H): Accessibility key for redirecting to homepage. Shortcut Keys Combination Activation Combination keys used for each browser.Ĭhrome for Linux press (Alt+Shift+shortcut_key)Ĭhrome for Windows press (Alt+shortcut_key)įor Firefox press (Alt+Shift+shortcut_key)įor Internet Explorer press (Alt+Shift+shortcut_key) then press (enter)Īccessibility Statement (Combination + 0): Statement page that will show the available accessibility keys. A guide to understanding and implementing Web Content Accessibility Guidelines 2.0 is available at: Compliance to these criteria is measured in three levels: A, AA, or AAA. There are testable success criteria for each guideline. WCAG 2.0 contains 12 guidelines organized under 4 principles: Perceivable, Operable, Understandable, and Robust (POUR for short). This certifies it as a stable and referenceable technical standard. WCAG 2.0 is also an international standard, ISO 40500. This website adopts the Web Content Accessibility Guidelines (WCAG 2.0) as the accessibility standard for all its related web development and services. Nearly 20 years after the creation of the Medicare Part D program, the Centers for Medicare & Medicaid Services (CMS) will be able to negotiate drug prices directly with manufacturers following the passage of the Inflation Reduction Act of 2022. This information will guide Part D benefit design, formulary placement, and insurer negotiations with manufacturers for discounts. Our list informs health plans of the drugs that will likely see major reductions in price and subsequently cost sharing under Medicare and identifies other top-spend drugs that will be ineligible for negotiation. Our list of drugs expected to be negotiated by Medicare shows patients, clinicians, and insurers which drugs will become more affordable for seniors in the next few years. Medicare drug price negotiation will benefit patients with common diseases such as diabetes, cancer, respiratory conditions, or cardiovascular disease. Dr Hernandez reports consulting fees from Pfizer and Bristol Myers Squibb, outside of the submitted work.īy 2028, Medicare will negotiate prices for 38 drugs dispensed in pharmacies and 2 drugs provided in physician offices. By generating the list of drugs likely subject to Medicare negotiation in the initial years, we hope to provider researchers, policymakers, prescribers, and patient advocates with expectations on which drugs are expected to see reductions in beneficiary cost sharing.ĭISCLOSURES: This work was funded by the West Health Policy Center. In all but 5 cases, high-spend drugs ineligible for negotiation were disqualified because of generic or biosimilar competition.ĬONCLUSIONS: Medicare drug price negotiation has the potential to benefit Medicare beneficiaries across some of the most common disease states. Part D drugs eligible for negotiation in 2026-2028 include 7 inhalers, 8 antidiabetics, 5 kinase inhibitors, and 3 oral anticoagulants. Combined, the 40 products eligible for negotiation in 2026-2028 accounted for $67.4 billion in gross Medicare spending in 2020. RESULTS: In 2026-2028, we estimate that Medicare will negotiate prices for 38 Medicare Part D drugs and 2 Part B drugs. We also identify the reasons why other high-spend drugs will be ineligible for negotiation. METHODS: We identify drugs expected to be negotiated by the Centers for Medicare & Medicaid Services in 2026-2028 based on the statutory criteria, Part B and Part D gross spending in 2020, and estimates of when a drug will be subject to generic or biosimilar competition. OBJECTIVE: To identify the drugs expected to be negotiated by Medicare in 2026-2028. The Congressional Budget Office has estimated the total savings achieved each year for negotiation but has not publicly identified the drugs anticipated to be negotiated each year. BACKGROUND: After the passage of the Inflation Reduction Act, Medicare will be able to negotiate drug prices starting in 2026. 9/27/2023 0 Comments Quicken budget calculatoriPhone and iPad are trademarks of Apple Inc., registered in the U.S. The budget calculator is set up to engage the user into getting results. To help you choose the right net worth calculator, I’ve compiled a list of the best ones available today. Quicken wanted to introduce people and lifestyle into their look and feel for. The premium ones cost money, but there are free apps you can use, too. Quicken is a registered trademark of Intuit Inc., used under license. Many different apps offer features that not only calculate and track your net worth but also help you budget and manage your investment accounts. 30-day money back guarantee: If you’re not satisfied, contact Quicken within 30 days of purchase with your order confirmation for a full refund of the purchase price. This lets you set monthly budget amounts for a category based on an amount per time period.Free, ongoing enhancements and updates are on a when-and-if-available basis through end of the subscription period.Mobile app is not designed to function for use outside of Canada. The App is a companion app and will work only with Quicken 2017 and above desktop products. switched our personal finance software from to Quicken. Not all Quicken desktop features are available in the App. Quicken monthly budget view Budget Calculator, Online Calculator, Budget Template. Paying off your loan principal is a transfer from your checking account (asset) to your loan account (liability. It does not allow you to budget for transfers of funds. Quicken app (“App”) is compatible with iPad, iPhone, iPod Touch, Android phones and tablets. September 2017 edited September 2017 jacobs said: Yes, you have run into one of the key stumbling blocks with budgeting as it currently exists. Standard message and data rates may apply for sync, e-mail and text alerts.275+ Canadian participating financial institutions as of September 12, 2022. Included with your subscription are monitoring alerts and data download from participating financial institutions or other parties which are available for 12 months immediately after you purchase your Quicken subscription customer phone support, online features and services vary, require internet access and/or may be subject to change, application approval, fees, additional terms and conditions. You can manage your subscription at your My Account page. If you want to experiment with a budget, Quicken’s clear budget calculator can help you get started. For full details regarding your subscription policy, please consult Quicken Terms of Use. Choose Calculator Whether you’re new to special finance or have have building toward financial freedom for past, budgeting can be one of your most effective tools for get your objects. At the end of the 12-month period, this subscription will automatically renew and you will be charged the then-current price (prices subject to change), unless you cancel before the renewal date. Full payment will be charged to your card immediately. Quicken for Mac imports data from Quicken for Windows 2010 or newer, Quicken for Mac 2015 or newer, Quicken for Mac 2007, Quicken Essentials for Mac, Banktivity. Purchasing the subscription entitles you to Quicken for 12 months. 9/27/2023 0 Comments Morgan stanley smith barney appGet the latest insights, analyses and market trends in our newsletter, podcasts and videos. Meet one of our Financial Advisors and see how we can help you. We lead with exceptional ideas, prioritize diversity and inclusion and find meaningful ways to give back-all to contribute to a future that benefits our clients and communities. See how we can help you work toward your goals-even as they evolve over years or generations.Īt Morgan Stanley, we put our beliefs to work. We have the experience and agility to partner with clients from individual investors to global CEOs. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.Īt Morgan Stanley, we focus the expertise of the entire firm-our advice, data, strategies and insights-on creating solutions for our clients, large and small. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses.įor 87 years, we’ve had a passion for what’s possible. We live that commitment through long-lasting partnerships, community-based delivery and engaging our best asset-Morgan Stanley employees.Īs a global financial services firm, Morgan Stanley is committed to technological innovation. Our firm's commitment to sustainability informs our operations, governance, risk management, diversity efforts, philanthropy and research.Īt Morgan Stanley, giving back is a core value-a central part of our culture globally. Our culture of access and inclusion has built our legacy and shapes our future, helping to strengthen our business and bring value to clients. Morgan Stanley is differentiated by the caliber of our diverse team. The global presence that Morgan Stanley maintains is key to our clients' success, giving us keen insight across regions and markets, and allowing us to make a difference around the world. Our board of directors and senior executives hold the belief that capital can and should benefit all of society.įrom our origins as a small Wall Street partnership to becoming a global firm of more than 80,000 employees today, Morgan Stanley has been committed to clients and communities for 87 years. Morgan Stanley leadership is dedicated to conducting first-class business in a first-class way. Underpinning all that we do are five core values.Įverything we do at Morgan Stanley is guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back. Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. We offer scalable investment products, foster innovative solutions and provide actionable insights across sustainability issues.įrom our startup lab to our cutting-edge research, we broaden access to capital for diverse entrepreneurs and spotlight their success. We provide comprehensive workplace financial solutions for organizations and their employees, combining personalized advice with modern technology. We deliver active investment strategies across public and private markets and custom solutions to institutional and individual investors. We offer timely, integrated analysis of companies, sectors, markets and economies, helping clients with their most critical decisions. Global institutions, leading hedge funds and industry innovators turn to Morgan Stanley for sales, trading and market-making services. We have global expertise in market analysis and in advisory and capital-raising services for corporations, institutions and governments. We help people, businesses and institutions build, preserve and manage wealth so they can pursue their financial goals. Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals. Hear their stories and learn about how they are redefining the terms of success. Multicultural and women entrepreneurs are the cutting-edge leaders of businesses that power markets. Our insightful research, advisory and investing capabilities give us unique and broad perspective on sustainability topics. Stay abreast of the latest trends and developments. Whether it’s hardware, software or age-old businesses, everything today is ripe for disruption. Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.įrom volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets. Across all our businesses, we offer keen insight on today's most critical issues. At Morgan Stanley, we lead with exceptional ideas. 9/27/2023 0 Comments Dead cells update october 2018So if you've never played Dead Cells before but have wanted to for quite some time, this is the version of the title that you might want to snag. Beyond containing its Castlevania-centric add-on, the PS5 physical edition will also come with all of the other pieces of DLC that have been released over the years. Dead Cells, the game that seemingly just keeps on giving, has been updated by developer Motion Twin to version 1.19. Notably, the PS5 edition will be presented as Dead Cells: Return to Castlevania, which is the name of the roguelike's latest expansion. Owners of the PS4 version will be able to upgrade for free! #deadcells #PlayStation5- Motion Twin June 26, 2023įor those that are holding out for a physical version of Dead Cells on PS5, that will be releasing in the near future as well. The #PS5 version of Dead Cells is coming to digital stores on 29 June! Use haptic feedback, adaptive triggers, audio feedback and lighting to take your runs to the next level. Owners of the PS4 version will be able to upgrade for free!" "Use haptic feedback, adaptive triggers, audio feedback, and lighting to take your runs to the next level. 1338 Updated Dead Cells: Medley of Pain Bundle v34 + 5 DLCs + 12 Bonus OSTs Genres/Tags: Arcade, Jump and run, Level randomization, Permanent death, Side, 2D, Retro look Companies: Motion Twin, Evil Empire Languages: RUS/ENG/MULTI13 Original Size: 6.6 GB Repack Size: from 1. "The PS5 version of Dead Cells is coming to digital stores on 29 June!" Motion Twin said in its announcement on Twitter. |
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