Christmas Morning

Early on Christmas morning (but not that early), Penelope awoke to her first Christmas.

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 Hard to tell if Mom or baby is more excited in their Christmas caps. 

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Penelope soon found herself dwarfed and surrounded by all the presents in the stockings.

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Just about everywhere was bursting with presents.  All eyes on Penelope!

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Penelope in her Christmas cracker hat.  

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Penelope and Mom in their Rudolph noses (everyone got one). 

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Penelope, along with everyone else,  had a great time opening presents and Penelope really loved her new toys and clothes.  Santa and everyone was very very nice to Penelope (and us too!).

 

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Penelope in her favorite present, her new Bumpo chair with her favorite fashion statement, one sock on, one sock off.

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Eventually the excitement of the day took its toll and Penelope took a nap, even before all the presents could be opened.  

In the middle of opening gifts, we had a wonderful breakfast.  Christmas morning was close to perfect and only marred by the absence of Grandpa and Grandma Margheim and Uncle Adam.  

Part two with the rest of Christmas coming soon…

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    it acquired Mexican insurer Seguros Cumbre SA de CV, whose
    net tangible assets have been estimated at $26 million, and American insurer
    General Casualty Insurance. QBE was listed on the Australian Securities
    Exchange in 1973 from the merger of three corporations whose names
    signify the letters of the mixed firm, Queensland Insurance, Bankers’
    and Traders’ Insurance Company, and Equitable Life and Basic Insurance coverage Co.,
    and its founding chairman was J. D. O. Burns. In 2011, QBE purchased Balboa Insurance coverage of California from the Financial institution of America.
    QBE affords industrial, private and specialty
    merchandise and threat management merchandise.

  35. This provision has been known as an endowment tax, and it has been estimated that
    it applies to around 32 universities. The same is true within the case of a
    matured endowment. 6% of American households, and
    had left taxes about the identical for the remainder of U.S.

    The House plan eradicated deductions for state,
    local, and sales taxes paid, and capped property deductions at $10,000.

    The House plan repealed the Johnson Modification. Plenty of Republican senators who initially expressed trepidation over the invoice, together with Ron Johnson of Wisconsin, Susan Collins of Maine, and Steve Daines
    of Montana, finally voted for the Senate bill. In November 2017, the University of
    Chicago requested over forty economists if U.S. In a letter made public on the November
    12, 2017, more than four hundred millionaires and billionaires (which include George Soros and Steven Rockefeller)
    requested Congress to reject the Republican tax plan. Bob Corker (R-TN) was the one
    Republican senator to vote against this model of the bill and it obtained no Democratic
    Party assist. This main push to incorporate this provision within the tax invoice got
    here from Republican Senator Lisa Murkowski. This provision is seen as likely to disadvantage Gulf airways (resembling Etihad, Emirates and Qatar Airways); major U.S.

  36. In early October 2022, Credit score Suisse stocks got here under appreciable
    stress when rumours on social media projected the demise of the financial
    institution. Nonprofit Social Service Providers engaged in capacity building: they
    may make grants available to nonprofit organizations who can help other nonprofit
    organizations in organizational improvement, program growth, leadership, and evaluations.
    Through the acknowledgment of the distinct phases of CRM, businesses might be
    able to profit from seeing the interplay of
    multiple relationships as related transactions.
    These sorts of real estate agents are quite common, and likelihood is, in case you look into several houses during
    your search, you will encounter one. Such buildings are part
    of a set of base erosion and revenue shifting (BEPS) tools
    that allow US know-how firms to attain an effective tax fee (ETR)
    of under 4% on all non-US international income shifted to Eire (see here).
    The traders secured sham “unbiased” marks for illiquid securities that they held position in from pals who worked at other monetary companies.

    Their associates generated costs that valued quite a lot of
    bonds at the costs that the traders requested, which the traders then recorded because the true value of
    the bonds.

  37. 保険 たいきょう August 28, 2024

    Current case regulation in the UK states that an (alleged) invention will solely be considered an invention if it gives a contribution that isn’t excluded
    and that is also technical. In Europe, “pc programs as such” are
    excluded from patentability, thus European Patent Workplace
    coverage is consequently that a program for a computer will not be patentable if it doesn’t have the potential to cause a “technical effect” which is by now understood as a
    cloth effect (a “transformation of nature”). In South Korea,
    software program is taken into account patentable and lots of patents directed in direction of “pc applications”
    have been issued. In 2005, Sun Microsystems introduced that
    they were making a portfolio of 1,600 patents obtainable by means of a patent license called Common Improvement
    and Distribution License. 3,553,358 and U.S.

    patent 3,553,384 granted 5 January 1971, and U.S. That is notably different from the U.S.
    Resulting from different treatment of federal patent
    rights in several parts of the nation, in 1982 the U.S.

  38. Newer historians equivalent to Kevin Sharpe called the interval “Personal Rule”, because they consider it to be a
    extra impartial term, and a few akin to Sharpe have argued that there have been some optimistic aspects of the interval.
    Parabolic SAR:- For the reason that revolving positive on 21 August parabolic SAR
    is tapering the hole with the KLCI and only a division away from
    the turning destructive. After the murder of George
    Villiers, Duke of Buckingham, who was deemed to have a unfavorable affect on Charles’
    overseas policy, Parliament began to criticize the king extra
    harshly than before. The non-public Rule started to unravel in 1637, when Charles, alongside
    along with his advisor Archbishop Laud, tried to reform the then-episcopal Church of Scotland to carry it into line, especially in its liturgy, with the Church of England.
    Historians usually agree that Laudian reforms have
    been divisive, however disagree over the salience of religious points in the
    bringing about of the top of private Rule.

  39. 開拓の村 馬車鉄道 August 28, 2024

    SSL hijacking, usually coupled with another media-stage MITM attack, is
    the place the attacker spoofs the SSL authentication and encryption protocol by means of Certificate Authority
    injection to be able to decrypt, surveil and modify visitors.
    Additionally they may forestall you from using
    your property and dwelling the way in which you’d prefer to,
    similar to not permitting you to install a fence, park a industrial
    car in your driveway, or paint your siding. In Could 2017, Google
    China held Future of Go Summit with the Chinese language
    government. On 13 December 2017, Google China held Google Developer Day China 2017 in Shanghai and announced the institution of
    the Google AI China Center, led by Fei-Fei Li and Professor
    Li Jia. In December 2018, The Intercept reported that the Dragonfly challenge
    had “effectively been shut down” after a clash inside Google, led by members of the company’s privacy
    workforce. Web visitors. David Drummond, senior vice president of Google, acknowledged within the official Google weblog that the circumstances surrounding censorship of the Web in China led Google to maneuver its search to Hong Kong, the absence of censorship making it more
    effective for networking and sharing data with Web users in mainland China.

  40. クロノス 株価 August 28, 2024

    Speaking at the corporate’s 2014 AGM, chief govt Michael O’Leary said that the airline needed to “stop unnecessarily pissing folks off”.

    The corporate’s major working segments are Global Housing and Global Way of life.
    Its enlargement meant that the corporate required larger premises, and it
    relocated its head places of work to the most important unit in Yorkshire’s most important warehousing and distribution base.
    The legislation would make heirs take the distribution inside 5 years in order that
    the IRA funds deplete solely by that time. The private Rule (additionally recognized
    as the Eleven Years’ Tyranny) was the interval in England from 1629
    to 1640 when King Charles I ruled as an autocratic absolute monarch without recourse to
    Parliament. In 2014, it deliberate to open a hundred and fifty new stores within three years.

    On 20 July 2018, it was confirmed that all Poundworld stores have been to shut by 10 August.

    Halliwell, James (2 August 2012). “Poundworld leads the cost as single-price discounters lift off”.
    Taylor, Henry (18 December 2012). “Comet’s collapse and different post-recession retail failures”.

  41. If your goal is to increase the dollar amount you receive
    in your tax refund, you can go to the human resources department and request to change your W-4
    tax form. These include the UN Human Development Index and ecological footprints.

    For countries, they include estimates of the quality of sustainability governance
    or quality of life measures, or environmental assessments like the Environmental Sustainability Index and Environmental Performance Index.

  42. 強請られる 読み方 August 28, 2024

    By the character of their subject material, anti-SLAPP statutes
    require meticulous drafting. The effort also included in depth promoting criticizing the plan, together with the famous “Harry and Louise” advert,
    paid for by the Health insurance Association of America, which
    depicted a center-class couple despairing over the plan’s advanced, bureaucratic nature.
    Choices, including put choices and call choices, could be written or bought on most ETFs – which isn’t
    potential with mutual funds, allowing buyers to
    implement methods similar to lined calls on ETFs. Thematic ETFs are
    ETFs, together with each Index ETFs and actively managed ETFs, that
    focus on a theme reminiscent of disruptive technologies, climate change, shifting client behaviors, cloud computing, robotics, electric
    autos, the gig economy, e-commerce, or clear vitality.
    As we’re seeing that Spain is going via many troubles without delay that’s economic issues along with Bank’s monetary
    trouble which can be resulting in the weakness in nation’s economy,
    large fiscal deficits with low financial progress and exterior
    insecurity of finance. Some ETFs monitor a specific sort of firm,
    such because the iShares Russell one thousand
    Growth ETF (IWF), which tracks the “progress” stocks in the Russell one thousand Index.
    ETFs are additionally usually cheaper to function since, unlike mutual funds, they
    don’t have to purchase and promote securities and maintain cash reserves to accommodate shareholder purchases and redemptions.

  43. Nevertheless, in 1923 the Treaty of Lausanne offered for a compulsory alternate of populations between Greece
    and Turkey, leading to the departure of the Greeks from Smyrna.

    30 June 2015 – Greece misses a payment on an IMF
    mortgage and falls into arrears. Wall Road Journal.

    Archived from the original on sixteen June 2018.
    Retrieved 12 April 2019. Spherical Island’s authorized handle is within the headquarters of a
    Dublin legislation agency, Matheson Ormsby Prentice,
    that advertises its experience in helping multinational companies use
    Ireland to shelter earnings from taxes. The Delaney Clause forbade the presence of residue from a
    carcinogenic pesticide in processed foods, and didn’t deal with
    non-cancer dangers. In 1988 EPA issued an interpretation of the 1958 Delaney Clause that resolved its contradiction with Pesticides Control Modification (PCA) of 1954.
    The PCA required EPA to issue tolerances, or maximum acceptable residue
    levels, for pesticide residues in food. It mandated a single standard for pesticide residue in food, regardless of the type of meals.
    EPA’s 1988 coverage stated that it will use a single
    standard of negligible threat, no matter a pesticide’s carcinogenicity.

  44. 長野 市 ミスト August 28, 2024

    I go to see each day a few web pages and information sites to read posts,
    except this blog gives feature based content.

  45. Nichols, Daisy (October 4, 2017). “Salted Peanuts Aren’t At all times Vegan”.
    August 4, 2017 Kelowna West Christy Clark Liberal Vacant
    Resigned her seat and as Liberal Party leader, following the defeat of her government and the
    swearing in of the NDP government. The primary number one on the UK
    Singles Chart was “Here in My Heart” by Al Martino for the week ending 14 November 1952.
    As of the week ending 22 August 2024, the UK Singles Chart has had 1,429 totally
    different number one hits. Retailer started impartial auditing in January 1963, and is now
    utilized by the UK Singles Chart because the
    supply for quantity-ones from the week ending 12 March 1960 onwards.
    In March 1978, two file trade publications,
    Radio & Document News and Report Business both started publishing Top a hundred singles charts,
    so in response, in Could 1978, the BMRB singles chart was expanded from a Top 50 to a Top 75, whereas abolishing the system where some falling records were
    excluded from the 41-50 section, in addition to abandoning the additional record of 10 “Breakers”.
    It might take some time and you’ll want the help of co-workers,
    however it could be price it.

  46. The red flags are much the same as with any scam, though:
    Watch out for fees, constant phone calls, upselling and high-pressure sales tactics.
    If your income statement shows your average annual
    sales at $1,500,000 for the past three years and your cost of goods were 25% of that number,
    each year your cost of goods expense would be $375,000.

  47. 下唇の裏線 August 28, 2024

    Preston, Benjamin. “Nissan Tests Self-Cleaning Car.” The New York Times.
    If automotive self-cleaning paint is a success,
    someday we might see a lot less bird poop on a lot more cars.
    And even the most enthusiastic DIY detailer doesn’t want
    to touch a car covered in bird poop.

  48. The W New York Union Sq. building was initially the headquarters
    of the Germania Life Insurance coverage Firm. The underwriting course
    of typically includes an in depth evaluation of anticipated money flows, the native market, supply and demand, and risks such as the physical state of the
    property, environmental or geotechnical dangers, zoning, taxes, and insurance.
    Monetary backers (or risk takers), who would settle for some of the risk on a given venture
    (traditionally a sea voyage with associated dangers of shipwreck) in change
    for a premium, would literally write their names underneath
    the risk information that was written on a Lloyd’s slip
    created for this purpose. The components that insurers use to classify risks are generally goal, clearly
    related to the doubtless cost of providing protection, practical to
    administer, according to applicable law, and designed to protect the long-term
    viability of the insurance program. Some insurance coverage companies, nevertheless, rely on brokers to
    underwrite for them. However, this area remains to be vastly subjective.

    You can get a faux-marble laminate or a cultured marble vanity countertop now and replace
    it with a genuine marble slab later, but when the sink’s in the incorrect place,
    you still will not be completely happy.

  49. DVD remastering runs into the identical problems. Many listeners complain that
    remastering CDs, particularly in the age of the MP3, is nothing but an excuse to
    make the music louder and overproduced. There are viewers who feel that
    film restoration can go too far, taking away the imperfections of the filmed image
    that make it distinctive and alive. Digital technology has not solely allowed filmmakers and musicians to create inspiring new works of art,
    but it is also given audio engineers and film
    editors the chance to achieve again and restore classic albums and movies
    to their original grandeur. Nonetheless searching for turbine perfection,
    engineers quickly just about banished throttle lag, introduced hydrocarbon and carbon-monoxide emissions within prevailing statutory limits, and attained gasoline economy that approached that of
    comparable piston engines. The next yr, they formed Duesenberg Motor Company to construct each marine engines and racing automobiles bearing their title.
    Because of the small quantity concerned, the 50 “production” Turbine Automobiles plus the 5
    prototypes (three of which differed in roof/paint schemes) were contracted to
    Ghia in Italy, which might construct them for much less
    cash than Chrysler. It added to the overall strains of the limo, plus helped to interrupt up the mass
    of glass seen in profile on earlier fashions.

  50. Following many years of a pioneering and shut partnership with KLM Royal Dutch Airways, Northwest, together with partners
    KLM and Continental Airways, joined SkyTeam, an alliance of ten airlines from all over the world, on September 15,
    2004. This was partially a result of Air France merging with KLM, forming the
    Air France-KLM group. Bancorp and he would later be Cameron’s
    successor as chairman and CEO upon Cameron’s planned retirement in three years.

    At the end of 1998, Gerry Cameron retired as chairman and handed the position over to John Grundhofer who added the title
    of chairman to his other positions of president and chief govt officer.

    As part of the acquisition deal, West One’s chairman and chief executive Daniel R.
    Nelson would change into the chief working officer and president of
    U.S. Bancorp of Oregon occurred in January 1993. While retaining his position as
    chief working officer, Edmund P. Jensen was
    appointed vice-chairman whereas giving his position of president to Kevin R.
    Kelly. John F. Grundhofer, chairman and chief govt of First Bank,
    was appointed president and chief executive of the new firm whereas Gerry B.
    Cameron, chairman, and chief government of U.S.

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