Exclusive: Adapting to RegTech, the Wolters Kluwer way

RegTech appears to be catching the imagination of the press and vendors alike, with many commentators predicting 2017 to be the year it takes off.

Definitions vary, but according to the UK’s Financial Conduct Authority, “RegTech is a sub-set of FinTech that focuses on technologies that may facilitate the delivery of regulatory requirements more efficiently and effectively than existing capabilities.” Certainly, RegTech systems are being increasingly embraced by banks.

Richard Bennett

Here FinTech Finance exclusively speaks with Richard Bennett, Head of Regulatory Reporting for EMEA in Wolters Kluwer’s Finance, Risk and Reporting business, about the drivers behind RegTech and how the firm is adapting its offering with its holistic approach.

Q: At the end of 2016 Wolters Kluwer took part in a hackathon organized by The Financial Conduct Authority on RegTech. Can you talk the rationale behind such events?

A: The event, “Unlocking Regulatory Reporting,” was designed to improve the interface between the regulator and regulated firms, allowing participating firms to discuss the practical uses of RegTech.

Such events allow the regulator to engage collaboratively with the industry to encourage the development and adoption of solutions that improve regulatory outcomes.

Fundamentally, the ability for technology solutions to handle mounting regulatory reporting challenges, in a much more timely manner, is going to be an ongoing challenge for the industry. Accordingly, RegTech systems are being embraced by banks and regulators alike and are occupying an expanding segment of the broader FinTech universe. The opportunity we had to work collaboratively with the FCA on the subject demonstrates the willingness and commitment of the regulator to convene parties and work with them to assess and solve problems at the regulatory interface.

Ultimately such events are designed to prompt the industry to develop technology solutions to streamline regulatory reporting and improve understanding of compliance requirements.

Q: So what’s behind the interest in RegTech?

A: As way of background when speaking about RegTech it’s important to understand the regulatory drivers at play.

Just three years after CRD IV and CRR were finalised, the European Union’s banking sector now faces a revised Capital Requirements Directive and Capital Requirements Regulation, CRD V and CRR II. Thanks to a 500+ page package these revisions to CRD IV and CRR could mean we see significant regulatory change well past 2020.

Arguably, the bulk of this new content is driven by the need to adopt various international regulatory standards into EU law.  But the EU has, interestingly, shown a willingness to depart from the Financial Services Board and Basel Committee on Banking Supervision rules to accommodate what it terms European ‘specificities’.

These legislative proposals will now be submitted to the European Parliament and the Council for their consideration and adoption. As a result, the CRD V CRR II proposals will be among incredibly important regulatory developments for banks operating in the EU in the coming years. All banks will require in-depth analysis as to what it will mean for them.

Q: What are the particularly attractive features of RegTech to banks?

A: RegTech is devoted exclusively to compliance and related issues, such as risk analysis and management. And one promising feature of the technology is that it should be able to work with existing systems since RegTech tends to be heavier on software than hardware.

Such systems should keep institutions ahead of the game by allowing them to keep track of, and adjust to, new rules as soon as they are implemented.

Q: Presumably, with all this in mind, vendors are now reacting. What is Wolters Kluwer doing to adopt its offerings here?

A: As these regulations come to the market Wolters Kluwer is evolving its OneSumX offering into a service-oriented architecture (SOA) where services are provided to the other components by application components.

Q: Can you provide any more details on the SOA?

A: The basic fundamental principles of service oriented architecture is independent of the enterprise or single desk based operational models. A service is a discrete unit of functionality that can be accessed remotely and acted upon and updated independently i.e. it can be either centralised or distributed.

OneSumX has evolved an In-Memory Data Fabric i.e. a high-performance, integrated and distributed in-memory platform for computing, aggregating and transacting on large-scale data sets in real-time, orders of magnitude faster than possible with traditional disk-based or flash technologies.

The OneSumX data grid is a key-value in-memory store which enables caching data in- memory within distributed clusters. It has been built from the ground up to linearly scale to hundreds of nodes with strong semantics for data locality and affinity data routing to reduce redundant data noise.

Distributed computations are performed in parallel fashion to gain high performance, low latency, and linear scalability. The compute grid provides a set of simple APIs that allow users to distribute computations and aggregation processing across multiple computers in the cluster.

Distributed parallel processing is based on the ability to take any computation or aggregation and execute it on any set of cluster nodes and return the results back.

One of the capabilities of OneSumX is the distributed in-memory file system. This delivers similar functionality to Hadoop HDFS, but only in memory. In fact, in addition to its own APIs, OneSumX implements Hadoop FileSystem API and can be transparently plugged into Hadoop or Spark deployments.

Q: And what are the benefits of this approach?

A: Through this evolution Wolters Kluwer’s clients will be able to respond in a more agile way to the Regulator’s changes.

Notably, they will be able to reuse the data to manage their business in a more efficient manner thus freeing up a “RegTech Dividend”.

Author: Dylan Jones

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198 Comments

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  7. Hi,I’m currently on TB treatment rifafour. My CD4 is currently 249, my doc has put me on odimune & purbac ds. I’m scared of taking all this treatment @once. I’m kind of confused as when to take these without causing complications. Can I take purbac & odimune at the same time?

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  11. i’ve been hearing about on media,today i got it at ma clinic……is there anything to worry about? (Its side effects)

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  13. I’m HIV positive and my husband is negative. We need a child and im scared to infect my him. I am on antiretroviral treatment. Please help.

  14. Similar to comment #8 and #9 above, has anyone done any work with parsing the logs? Just to cite the easy example, I think it would be interesting to see how much time is spent per category.

  15. Any help ,i started taking atroiza in june while i was pregnant and have now delivered my HIV negative baby, so i would like to know that is this Atroiza only for pregnant woman? Am i going to be switched to a new treatment because im no longer pregnant? Please help.

  16. ****, I just watched Only Yesterday and I am depressed as hell.

  17. Hi guys me CD4 is 356 and im starting Atroiza tonight

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  33. Thanks for your email. These symptoms are not side effects normally associated with Odimune. It’s important that you discuss these with a doctor incase they are a sign of another infection or illness.

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  36. Hi dr, please help as me and my fiance are planning to have a child but the problem my fiance is positive and I am negative. He is taking his ARVs and his CD4 count is increasing. He said he spoke to one of the nurses in clinic and he was told that he can do unprocteted sex as he is CD4 count is increasing. I am really scared. What if me and the child that we planning gets an infection. Pls help as we really desparate for a child.

  37. I keep seeing coyotes either in the middle eb of the road staring at me or running across the road orout infields playing I am just wonderingif that has any meaning and I livein the city so its not like its common and I do not believe in coincedants

  38. I am sorry but we are based in the UK and I don’t have knowledge of individual doctors in India.

  39. I’ve jst started using Atroiza, no side effects yet but my abdomen is painful and kidneys sometimes! What time can I take it at night because sometimes I work until late but they said to take it at bed time.

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  48. My girl friend had sex from her husband without condoms 9 months back now he using condoms …… If i have sex with her without condoms any chance to get hiv or any disease?

  49. When my mother was in labor for 36 hours she and my grandmother looked out the window at the same time and watched a coyote come out of a bush look at the pair of them then transformed into a bald eagle and flew away. Since then I have spoken to a shaman and he said they witnessed the trickster watching over my birth.

  50. Hi i just found out im hiv positive an im pregnant ive been given tribuss but the packet insert says dont take if pregnant im confussed what do i do? My cd4 is above 500

  51. Feeling kasi ng ibang pinoy lahi sila ng magaganda at pinagyayabang pa sa ibang lahi. Kaya hindi nkakapagtaka kapag may bisitang banyaga at madissappoint sa makikita. Lolz

  52. This is not a good idea, unless you normally sleep during the day and are awake at night. The recommendation is so that you are asleep when the drug levels are highest a few hours after taking Tribuss. If you take it during the day, you are likely to feel drowsy, dizzy and disorientated.

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  56. I’m 5 months pregnant and HIV positve .I’ve started treatment ( Astreslawin tablets) while I found out at 3 months of my pregnancy .I’m experiencing diarrhea ,is this not gonna affect my unborn child or cause miscarriage.

  57. Hi Alyth, just watched your performance on the CMA Christmas show and loved it! You have the voice if an angel and the beauty of a model! I hope we get to see more of you here in the united states! Merry Christmas and a very happy New Year, Jim

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  61. I had a dream that my boyfriend and I were getting ready for christmas lunch in a chalet on his mom’s farm. When I looked out of the window I saw a lion approach the chalet and so obviously I ran to shut all the doors and windows but they wouldn’t lock. The lion came into the chalet and somehow we got him out. And he wondered off but then came back and started circling the chalet, trying to get in. We tried to get out but the windows were either too high off the ground or there was a dense bush full of thorns so we couldn’t pass through it. I was panicking and asking my boyfriend to phone his parents to come help us but he wouldn’t, and then when I grabbed my phone the battery was dying so I had to put it on charge. When I was doing that another lion got into the chalet through a opening in the wall but we managed to scare him off. I had gathered all the knives I could find in the chalet for our protection. Non of the doors were locking and it was really worrying me. We looked out of the window and more and more male lions kepts appearing, there were about 10 walking towards the chalet before I woke up.

  62. This is incredible as to how spot it is in my life right now. I have always been the swan on mountain lion….for a year or so I have felt I so drawn to the wolf. And I have been desperate for self time and wanting to be alone, I tell everyone I am a loner , i recently watched a documentary of wolves and I felt as though it’s my family. I must utilize my totem !

  63. Hi Alyth, just watched your performance on the CMA Christmas show and loved it! You have the voice if an angel and the beauty of a model! I hope we get to see more of you here in the united states! Merry Christmas and a very happy New Year, Jim

  64. Hi, I started using Tribuss about 6 months ago, in May 2013, as my CD4 count was 250 and I developed Shingles. But I am losing weight and I saw a nutritionalist who advise me to eat healthy. I have a healthy appetite and eat three full meals a day plus snack on fruit inbetween but I have lost approximately 20 kg. I am concerned because I do not want to leave my ARV but I do not have a partner. I do not have pain anywhere in my body and I am very energetic. Please advise.

  65. hi I’m starting my atrioza today. Should I take it before food or after food,is it true that with it u will also have bad dreams,seeing things that other people don’t see,vomit,have a rash, and loose weight?

  66. Another story altogether, the ornamentals in the nest area.

  67. My wife is positive and I am negative how did it happens because we we didn’t use a condom because we are married and second question is can I countinue without using a condom to her only.

  68. Bird and squirrel visited today. A pretty day in the nest area. Expected high of 82° and a low of 65°.

  69. What’s next? That X-men have Filipino origins? Or Wonderwoman and Darna are cousins? Or perhaps Harry Potter was raised by a Filipino mangkukulam at some point.

  70. This was awesome when I first heard it and I am glad the link is still here! 2013 and I’m still bobbing the dome to this. Love it.

  71. Better he turns out like you than like some of these other Zen masters.

  72. It sounds like both you and your girlfriend need to talk to the doctor at the testing centre. It is very difficult to try and find out when someone became positive, but this might involve you both having your tests confirmed. You can not infect someone if you are HIV negative. I think the term that may have been used is DISCORDANT couple. This is used when one person is positive and the other is negative. Lots of positive people have relationships with negative people and this can include having children. Treatment for your girlfriend can reduce the chance of the baby having HIV.

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  74. Sure, exercise is good. Keeping physically active – and also mentally active – is a good idea for everyone.

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  76. About a year or so ago, I was heading to school and as I headed out the door, I saw a coyote looking at me(originally I thought it was a wolf but later found out it was a coyote) and then I blacked out and fell to the ground. My mother found me and took me to the hospital and they took my blood pressure, blood sugar level and other blood tests to see if anything was wrong, there wasn’t, I still have 0 clues as to why this happened to me. Coyotes usually never come around our house, and suddenly, I see this one look at me and I black out? I’m clueless, anyone have any insight as to why this happened to me?

  77. I love this album. Great work, Tor.

  78. Any help ,i started taking atroiza in june while i was pregnant and have now delivered my HIV negative baby, so i would like to know that is this Atroiza only for pregnant woman? Am i going to be switched to a new treatment because im no longer pregnant? Please help.

  79. Another story altogether, the ornamentals in the nest area.

  80. Please write your comments in english. I delete anything that even remotely resembles spam.

  81. My wife is positive and I am negative how did it happens because we we didn’t use a condom because we are married and second question is can I countinue without using a condom to her only.

  82. I dreamt of a dark horse Riding through town freely. In the next scene a man with dark long hair came riding through town on the same horse. They were riding powerfully and so fast they were almost flying. I was told it was the mans birthday and that was why he was riding the horse.

  83. No music should be playing on those screens. It should be transit related. Like they do on the CAT transit in Las Vegas. It shows a diagram with a all the stops thar are coming up displayed. It calls out points of interest. Everything related w the commuters route info.

  84. Bird and squirrel visited today. A pretty day in the nest area. Expected high of 82° and a low of 65°.

  85. Another perfect look ! ? just awesome ! ?

  86. The National Cattlemen’s Beef Association encourages all blog readers, including NCBA members, employees and the general public, to comment and engage in respectful conversation about the content posted here. All thoughtful, polite and concise comments are welcome. All comments will be monitored as carefully and consistently as possible. Moderators have the right to shorten, move or delete any comment at any time. Any comments that contain profanity, vulgarity, threats, commercial promotion, incoherence, etc., will not be published and will be immediately deleted. Please refrain from posting full articles and publications from other sites, as it could be a violation of copyright or intellectual property laws. Comments containing full articles will not be approved but comments containing links are welcome. Thank you for your cooperation. Happy blogging!

  87. I subcontract from Medicaid. I have a client that has had aids for 26 years. Him nd I are very close. He’s one of my best friends. His T cells are 100 I’m very worried . Is there anything we can do

  88. This was awesome when I first heard it and I am glad the link is still here! 2013 and I’m still bobbing the dome to this. Love it.

  89. I hope i’m the lucky one! This is international right?

  90. About a year or so ago, I was heading to school and as I headed out the door, I saw a coyote looking at me(originally I thought it was a wolf but later found out it was a coyote) and then I blacked out and fell to the ground. My mother found me and took me to the hospital and they took my blood pressure, blood sugar level and other blood tests to see if anything was wrong, there wasn’t, I still have 0 clues as to why this happened to me. Coyotes usually never come around our house, and suddenly, I see this one look at me and I black out? I’m clueless, anyone have any insight as to why this happened to me?

  91. Sure, exercise is good. Keeping physically active – and also mentally active – is a good idea for everyone.

  92. Hi Alyth, just watched your performance on the CMA Christmas show and loved it! You have the voice if an angel and the beauty of a model! I hope we get to see more of you here in the united states! Merry Christmas and a very happy New Year, Jim

  93. thanks, I keep looking for the mountain under the snow, but the snow that makes this mountain is… well I wouldn’t eat it

  94. If you are taking Atroiza can you have a baby?

  95. Everyone who runs a website should read this post. I have built many sites over the years, and never knew how that the html code for anchor text could be removed. Thanks.

  96. Доброго времени! На сегодняшний день составляет 1000 рублей.

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  98. Thanks. I implemented that and it looks good and I will keep it that way.

  99. Woo go LA. I never knew I need a denim hat, but apparently I do! It’s adorable.

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  103. I have strted taking these pills together with pills nurse said it will prevent me from being affected with TB on the 29th July 2013. All I’m. Feeling is this ugly taste under my tongue I hate taking them. Everything in the morning everything is annoying me I have runny tummy, I get tired. Dear I hate them. Will these feelings ever go away.?

  104. The cap is so cool, makes the outfit more easy going. Like it so much

  105. Gov Jesse Ventura I live in Maywood,CA and “Union Member” WV and I was drugged by own peer while my celebrating and I wanted to file a police report And they refuse to investigate which makes me suspect they were all connected and were trying to conspire against because they don’t understand my understanding, But they broke the law and it’s a criminal act against Humanity and to destabilize undesirables, they wanted to keep my mind weak to imprison. Please try contacting there trying to keep me paranoid and plotting to imprison me,and theres a lot of youth here that are being destabilize just because we don’t accept there way. Please just give me advice and how to clear my name cause i’m not a bad person they just don’t understand they can’t do that and they broke the law, some people should go to jail. I did speak to the police but they seem scared of me talking about it. I beg you help me I’m only 20 years old I live Maywood,CA And do have evidence to prove myself! But I know you can make them understand me! They think i’m crazy cause I try following in your steps and doing the right thing. There Igorot fools that have to much power and something need to STOP this soon! PLEASE come to MAYWOOD,CA or LA! HELP ME!

  106. Do away with it! If there must be something displayed, make it useful, relevant, SILENT, and informative.

  107. Now that I have read about the coyotes I wonder if I can have 2 spirt animals cause I relate to this one and the wolf and now that I think about my faithful night back in the hotel it may have been a coyote that ran into the woods

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  109. good instrumental; thank you. ? i need a remix executive producer?i need a producer. youlanda patterson

  110. I was diagnosed with HIV in 2007 and I’ve been living positively since then. I started taking tribuss last year August since my cd4 count had dropped to 250, I went for a re-test in November but the the test came back and my cd4 count was not increasing. ive never been on arv’s so im stressing now cause of this. my medical aid seems to think I havent been taking my medication nd im afraid they might cancel my treatment. what should I do plz advise

  111. hello I am requesting information on a booth for the fair please cost whats included with the cost is it inside because of what I offer

  112. Wish to win the Apple Ipad mini for the apple of my eyes. What an amazing giveaway! A little hope to win with you. Afterall whats life without hope!

  113. Had a dream last eve… In a field with an unknown man… “things” were in these fields but as I would turn to look back, “things” were gone… the things missing happened 3 times and started to wonder if This man, thought I may have had something to do with “Things” missing. Looked to my right and see a Black wolf coming into the area of where we were. Pointed to the black wolf and the man ran so much faster than I and wanted to hide in a “SAFE” ??? I watched him run before me leaving me behind. I, then turned and the Black wolf was approaching me face to face. I, felt fear but also, a defeat of sorts. I raised my hands and stood my ground facing this mud covered face of the black wolf. I, stated whoa, He stopped, slight growl and I repeated again… He stood his ground and we faced each other. Any thoughts?

  114. I am positive but my partner is not,I am planning to have a baby but I am afraid to take ARVs for the rest of my life. My viral load is undetactable and CD4 count is 600. Does this mean I will take the ARVs for the rest of my life if I plan to have a baby?

  115. I am a 30 something gay hiv positive man who is wanting to adopt a child in the state of Missouri, is this possible?

  116. The National Cattlemen’s Beef Association encourages all blog readers, including NCBA members, employees and the general public, to comment and engage in respectful conversation about the content posted here. All thoughtful, polite and concise comments are welcome. All comments will be monitored as carefully and consistently as possible. Moderators have the right to shorten, move or delete any comment at any time. Any comments that contain profanity, vulgarity, threats, commercial promotion, incoherence, etc., will not be published and will be immediately deleted. Please refrain from posting full articles and publications from other sites, as it could be a violation of copyright or intellectual property laws. Comments containing full articles will not be approved but comments containing links are welcome. Thank you for your cooperation. Happy blogging!

  117. Are we allowed to put down blankets early to save seats for the demo derby?

  118. From the person who only allows positive, glowing comments on your blog you sure can talk well, Bob.

  119. It is my first time using Atroiza. Must i take 1 pill everyday?

  120. I totally agree. Massive landslide in the making. After the tragedy doon pa lang magigising and then blame game then congressional hearings.

  121. Please, do a DOOM remix, your beats are so sick, your the only one besides blockhead that can do aesop rock.

  122. I have strted taking these pills together with pills nurse said it will prevent me from being affected with TB on the 29th July 2013. All I’m. Feeling is this ugly taste under my tongue I hate taking them. Everything in the morning everything is annoying me I have runny tummy, I get tired. Dear I hate them. Will these feelings ever go away.?

  123. I am Zee I have been on Tribuss since February last year and I was never made aware that I need to take a pill on an empty stomach until I read on these blogs.I normally take my medication at 20h30 just after my meals. After seeing this information on the blog I now consider taking my pills at teast an our early(19h30) is that advisable.

  124. Aw, this has been a very great post. In thought I have to put in place writing like that additionally spending time and actual effort to create an excellent articlea鈧?but precisely what do I saya鈧?I procrastinate alot via no indicates manage to obtain some thing completed.

  125. Me and my wife we have been together for almost five years now, and we have been blessed with a very beutifull daughter , but on 11december 2013 we went for a routine check as she is pregnant again for about seven month and she tested positive and I was negative and we never used protection , so what are my chances of being HIV+ after I repeat the test in three month time?

  126. Please, whatever you do, just LEAVE THE SOUND OFF.

  127. The National Cattlemen’s Beef Association encourages all blog readers, including NCBA members, employees and the general public, to comment and engage in respectful conversation about the content posted here. All thoughtful, polite and concise comments are welcome. All comments will be monitored as carefully and consistently as possible. Moderators have the right to shorten, move or delete any comment at any time. Any comments that contain profanity, vulgarity, threats, commercial promotion, incoherence, etc., will not be published and will be immediately deleted. Please refrain from posting full articles and publications from other sites, as it could be a violation of copyright or intellectual property laws. Comments containing full articles will not be approved but comments containing links are welcome. Thank you for your cooperation. Happy blogging!

  128. I meant to write ‘I remember feeling this ISNT fair.’

  129. YAY!!! I am so so so glad you enjoyed them!!

  130. ID!OT FANS OF DINGDONG & MARIAN ARE BEHIND METAL BARRICADES?……”Fans and spectators behind metal barricades cheered and waved frantically when celebrities stepped out of luxury vehicles”. Idiot fans must learn to embrace the reality and move on. Don’t allow yourselves to be fooled by actors and celebrities anymore. Fans love their idols so much but look what your idols have done to you? All of you are not invited. Hangang metal barricades lang kayo. Gets nyo?

  131. Sticking with my theory that the brutal winter left the female unable to produce a viable egg. The adults would be adoring and doting over a fledged juvenile and the last several months have shown no evidence of it. Basing this on my own observances, which spans 4 years now. This time of year the adult vulture will still regurgitate food and care for its fledgling, well into December.

  132. Since I have a thing for blue and white, I love, love, love that shirt. And now I want it to be summer, so I can wear my own denim baseball cap. Oh well.

  133. Doctor, it is my first time taking atrozia. Is it OK for me to vomit that much, is this 1 of side effect?

  134. It sounds like you have been lucky and are still negative.

  135. Wrote that before you added your second comment, Cos- hope you feel better.

  136. Incredibly user friendly website. Enormous details offered on few clicks on

  137. Can you bring a dog to the fair if it is on a leash?

  138. Checking in… About two more months, counting down to 2015 nesting season watch. High hopes!

  139. I find them everywhere I go, they like to land on me…

  140. The Glad Rags and the Lad Mags should probably tour together.

  141. I started taking odimune this year january when I found out that I’m pregnant,will I be on the medication for a lifetime

  142. thank you for your very useful article and add insight to my own

  143. Several times when I have been on a Metro bus that has those transit tv monitors; even when they were working no one that I saw was even looking at them.

  144. I love perusing your website. Thank you so much!

  145. I had a dream that my boyfriend and I were getting ready for christmas lunch in a chalet on his mom’s farm. When I looked out of the window I saw a lion approach the chalet and so obviously I ran to shut all the doors and windows but they wouldn’t lock. The lion came into the chalet and somehow we got him out. And he wondered off but then came back and started circling the chalet, trying to get in. We tried to get out but the windows were either too high off the ground or there was a dense bush full of thorns so we couldn’t pass through it. I was panicking and asking my boyfriend to phone his parents to come help us but he wouldn’t, and then when I grabbed my phone the battery was dying so I had to put it on charge. When I was doing that another lion got into the chalet through a opening in the wall but we managed to scare him off. I had gathered all the knives I could find in the chalet for our protection. Non of the doors were locking and it was really worrying me. We looked out of the window and more and more male lions kepts appearing, there were about 10 walking towards the chalet before I woke up.

  146. It sounds like your doctor is giving you good advice. As you take Atroiza at night, it is not a common side effect to be sick the following morning. Pregnancy on the other hand is associated with morning sickness, especially in the first few months.

  147. Been looking for a tool like this for my busy department. Will try out Rapid Reporter with my team and give feedback on my daily blog.

  148. ayan, nagpakita na ng totoong kulay. kabobohan na ng taga baguio kapag binoto pa nila ulit yan. huwag kayong gumaya sa mga taga makati.

  149. My dream was of a brown horse with black accents (main, feet, nose, Tail, etc.) It was going to be put down (not by me) because it had a broken lower leg. The horse began talking to me telepathically begin me to make them stop and not kill it. He was telling me he was going to be ok and would heal just fine. I was able to convince the rancher to NOT down the horse and the horse swung his head knocking me to the ground then laid down next to me and rubbed his head and face all over me thanking me for saving him. It was awesome.

  150. Boy, the Zen gang has so much more fun than us banal Shambhala people. We started out with a wildly flamboyant teacher and it seems like everything since has been about homogenizing and smiling sweetly and creating McDharma centers. I just might have to find myself some black cushions and decamp to the local Zen center where I can stir up trouble by declaring my loyalty to Brad. (I do that a lot at Shambhala gatherings but they all just stare at me blankly, they are really not a bunch that likes to go off the reservation.)

  151. Episode 400,000 went up tonight. SP or Vince will post the link when it’s ready, no doubt. And there just happened to be a NEW GUEST.

  152. Can tribuss help you gain weight and reverse the side effects from the past?

  153. This is not a good idea, unless you normally sleep during the day and are awake at night. The recommendation is so that you are asleep when the drug levels are highest a few hours after taking Tribuss. If you take it during the day, you are likely to feel drowsy, dizzy and disorientated.

  154. When my mother was in labor for 36 hours she and my grandmother looked out the window at the same time and watched a coyote come out of a bush look at the pair of them then transformed into a bald eagle and flew away. Since then I have spoken to a shaman and he said they witnessed the trickster watching over my birth.

  155. I have been having really weird dreams they will start off of me in a field riding a horse then it will disappear and I will be looking at a boy I used to go to school with then he moved but I never really knew him but anyway we will be looking at each other for the longest time then he will turn in to a horse and leave then when I think about it I have had about 9 or more dreams with him in it

  156. This is actually attractive, You’re an exceedingly qualified author. I have signed up with your feed plus expect enjoying the useful write-ups. Furthermore, I’ve shared yuor web blog throughout our internet sites.

  157. I have been absent for a while, but now I remember why I used to love this blog. Thanks, I’ll try and check back more frequently. How frequently you update your web site?

  158. gold jewelry bracelets are a bit pricey but they last longer and are very durable too-

  159. My hubby is positive and I’m so worried coz I want kids

  160. Hi dr, please help as me and my fiance are planning to have a child but the problem my fiance is positive and I am negative. He is taking his ARVs and his CD4 count is increasing. He said he spoke to one of the nurses in clinic and he was told that he can do unprocteted sex as he is CD4 count is increasing. I am really scared. What if me and the child that we planning gets an infection. Pls help as we really desparate for a child.

  161. Can atrioza cause water retention in legs and feet.

  162. My partner and I been togther for 16 yrs had hiv test for life policy done. Mine was negative and his positive. That was 14 months ago. Every 3 months after that I go test again and still I’m negative till now. How can it be possible coz we are not using protection.

  163. You got it right. Panay ang claim. Pero napaka sensitive naman pag may nasabi ang iba na medyo negative sa Pinoy maski joke lang or depiction sa movies. Angal agad-agad. Then nauuna naman sa pagalipusta sa kapwa pinoy.

  164. Hey, I am sorry to hear about your recent diagnosis. This is never easy news to get, but is does get easier and you will be ok. You are in the same situation as lots of other people.

  165. The Binay strategist is amazed.

  166. HOOOOOOOOOOOOOOOOWWWWWWWWWWWWWWWWWWWWWWWWLLLLLLLLLLLLLLLLLLLLLLLLL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  167. I had a dream that i transformed into a (werewolf sized) green lion, all of a sudden it was like the end of the world, nd i was this lion fighting nd killing zombies or zombie like people. All of a sudden i was joined by 2 other spirit animals(blue goat,& purple bear) i start we start running up a glass like tower and jumped into another part of the world. Were we had to fight some mysterious dark hooded figure. The goat was killed first, than.later the bear died. But i survived and deafeated the dark figure.

  168. hi i just want to know how can i advise my uncle he taking Atroiza and it seems like he doesnt care and i really want help him , he taking it late sometimes and drinking beer so i really help him but i dont much about how does this drug works

  169. I love the details on your website. Thanks a bunch.

  170. Good luck n high hopes that you have a safe n successful visit to the nest box. Can’t imagine the owls would be aggressive now. Maybe a fantastic sighting again!

  171. Hi guys me CD4 is 356 and im starting Atroiza tonight

  172. hermes birkin cheap replica online hermes birkin replica wholesale australia icueeyih

  173. Completely and absolutely ACCURATE for ME. Now I know why I have such a FASCINATION with butterflies.

  174. My spirit animals are also horses and deer!

  175. I love your style, you’re amazing

  176. divorce effects procedure de divorce par consentement mutuel

  177. Hi, i am currently taking Atripla since 2012 and they still make me sleep like a dead person and when i tell my doctor that this Atripla is too strong for me he doesnt want to bealive me as one day i did took my wife’s medication (Atroiza) and i was like a normal person. meaning i didnt sleep like a dead person during the night and even when i woke up i was not feeling tired but when i take my medicine (Atripla) each and everyday i woke up i feel tired. Please advise me as my doctor doesnt want to bealive me as even my wife was taking Atripla and she was experiencing the same problem i have until her doctor change her to Atroiza and now she feel good. Please advise me as i am confused now.

  178. I started the Atroiza combination drug on the 9th of april. I have been just vomiting in the mornings but my doc said it might be not the treatment but the pregnancy.

  179. I.M a 38 and HIV + and on ARV’s since from 2008 is it possible for me to have a healthy baby without infecting my wife?

  180. Now your mom can spread HER wings, and fly. I wish you the best of luck. -RN

  181. Love that top! The print is fabulous

  182. I have been using atripla from 2011 December is it wise to change to Atroiza and what are the side effects

  183. A couple of times I have tried to compare similar things in different contexts – to no avail.

  184. Thanks. I implemented that and it looks good and I will keep it that way.

  185. Hi Shannon! I really think that most people are very visual and that’s the draw. I would rather talk face to face on talk on the phone and not text.

  186. In my dreams, I have many of a white wolf running parallal to me through the trees. I feel he’s watching after me. Comments, please.

  187. Could you please also send the line-up to me?

  188. please re upload this wonderfull app on samsaung cant download it in the new version of kies….

  189. 22 march 2013 i tested my blood is positive and then my freind told me for elisa test in that test is hiv is reaction test valua is 3.07 and cut of valua is 0.09 please help me can is there treatment

  190. Sino na naman bang bugok ang nagpakana ng katarantaduhang angkinin si Miss Jamaica?

  191. The when I read a weblog, I really hope so it doesnt disappoint me as much as brussels. What i’m saying is, I know it was my choice to read, but I actually thought youd have something intriguing to state. All I hear can be a bunch of whining about something you could fix if you werent too busy interested in attention.

  192. Howdy! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone. I’m trying to find a template or plugin that might be able to fix this problem. If you have any recommendations, please share. Cheers!

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