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MOBILE CHECK DEPOSIT CHANGES:

Effective July 1st, all items deposited through our mobile application must have the following information written on the BACK of the check: “For mobile deposit at First Financial Credit Union” and include the member’s account number and their signature. Any items deposited without this information written on the back of the check will be declined.

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Are you tired of managing multiple federal student loan payments, with multiple interest rates or multiple servicers? If so, now may be the time for loan consolidation. The U.S. Department of Education made the landmark decision to allow you to choose your consolidation classic pumps Black Prada kAtrFP68d
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Is Consolidation Right for You?

Loan consolidation can be a great solution for borrowers seeking convenience and ease in managing their student loans. Consolidation gives you:

One loan, one fixed interest rate, one monthly payment, one student loan servicer—of your choice, and no consolidation fee.

You're also able to maintain certain federal student loan benefits, including:

Flexible repayment options. Your grace period. Take care of your past due loans. Public Service Loan Forgiveness (PSLF) eligibility.

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Paying a different interest rate.

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of your original loans' interest rates, rounded up to the nearest 1/8 of one percent.

Paying more over the long term.

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Your grace period.

If any loans you want to consolidate are in a grace period, you can request to delay the processing of your consolidation loan until the end of your grace period. On your application, you must enter the month and year your grace period is expected to end. If you leave it blank, the processing will begin as soon as your documents are received and you'll lose your grace period. Then, once the consolidation loan is completed, you'll be required to immediately begin paying it back.

Direct Parent PLUS loans are not eligible to be combined into a consolidation loan under the Pay As You Earn or Income-Based Repayment (IBR) plans.

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Loss of certain federal student loan benefits.

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Friday, June 8, 2018 - 5:30pm to 9:00pm
Independence Square

Swirl, sip and stroll in and out of various business locations during the 8th Annual Wine Brew Walk on Friday, June 8 from 5:30 to 9 p.m. Proceeds from this event aid in the preservation and beautification of the historic Independence Square. If you enjoy good Missouri wine and craft beer this special event is for you. Go Erin 85 glitter pumps Jimmy Choo London lWQuis
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Saturday, June 9, 2018 - 1:00pm to 4:00pm
Riverwood Winery

Enjoy great live music with Dan Bliss this weekend at Riverwood Winery! Wind down after a busy week with excellent wine and food along with Dan's deep, rich acoustic guitar and unique voice!

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Sunday, June 10, 2018 - 11:00am to 5:00pm
Jowler Creek Vineyard Winery

Summer is here! Cool off and unwind with Jowler Creek Winery's “Sangria Lemonade” on Sunday, June 10. This special sangria is available in the tasting room by the glass and carafe. Enjoy it this Sunday only!

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Saturday, June 16, 2018 - 1:00pm to 3:00pm
Jowler Creek Vineyard Winery

Experience the joy of food and wine tasting as Jowler Creek Winery staff guide your palate through the 5 S’s of wine tasting and give tips on pairing foods with wine. You’ll enjoy a small plate of locally-sourced foods chosen to pair perfectly with their wines! Cost is $19/person.

12th Annual Wine Festival in
Saturday, June 16, 2018 - 2:00pm to 8:00pm
East Valley Park, Downtown Excelsior Springs

Whether you are a seasoned wine connoisseur or are still figuring out the difference between chardonnay and champagne, the Excelsior Springs Wine Festival is for you! This traditional event places the wines of Missouri on display in the beautiful outdoor setting of Lover’s Lane in East Valley Park. Festival attendees have an opportunity to sample all varieties of local wines, learn wine-making methods and speak directly with the winery owners who have made Missouri famous in the American wine market.

An assortment of local bands provide the background music and keep the festival lively, while delicious food demonstrations — that always include a sample of the dish prepared using wines — delights the taste buds. The festival also features fine art and craft vendors who add to the air of refinement and class.

Thursday, June 14 2018

In Troy, for at least a few days now, there has been a cloth tarp hanging from the chain-link fence along the River St. side of One Monument Square, the long-vacant former site of city hall. “I wish One Monument Square could be _______,” the tarp says, in three spots, in bold black letters.

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, the consultant leading the workshop, River Street Planning Development, confirmed with .

People have used markers of different colors, attached by strings to the top of the tarp, to inscribe their wishes—some likely sincere and some almost certainly not—for the site’s future. The project has garnered a considerable response, and some contributors appear to have taken to modifying or amplifying each other’s wishes (“For sure” and “ditto” are scrawled next to “Performance Space,” for instance).

Below is a selection of purported “wishes,” with minor copy edits for readability, based on photos from a site visit around 3 P.M. on Thursday.

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The banquet facility would continue to operate.

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CDTA considers bringing service to Montgomery County

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"Bricks are falling out of this building."

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Organization sent letter to mayor in January.

What you missed at Troy’s 1MSQ charrette last week

The new concept is pretty elaborate.

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Based on systematic literature review using the LiACAT tool (HELCOM 2016h).

Blue mussels are sensitive to heavy metals and other pollution, since they are filter feeders and accumulate metals directly. Sources of contaminants are industries, land-based activities, air deposition, and activities at sea, such as harbours, shipping, industry, and oil spills. The defence mechanisms that are induced in the mussels are energetically costly for them, and alter heart rate and respiration. Additionally, physical condition is impaired, growth is reduced and mortality increases. The magnitude of these effects is dependent on environmental factors such as salinity, temperature and oxygen conditions. Changes in water temperature can be caused by local industrial heat sources or by climate change. In combination with acidification, effects on early development stages and on shell thickness have been observed. Moreover, shell growth and mortality are negatively affected by the interactive effects of reduced salinity and increased temperature. The dredging effects caused by fisheries activities may lead to decline of blue mussel by removal of species and abrasion of the seabed. The invasive species Crassostrea gigas is considered to compete with blue mussels and may alter the effects of anthropogenic pressures due to different tolerance levels towards the pressures (Figure B.6.1.2).

Based on systematic literature review using the LiACAT tool (HELCOM 2016h).

Box 4.7.1 Method to estimate loss and disturbance of the seabed

Physical loss is defined as a permanent change of seabed substrate or morphology, meaning that there has been change to the seabed which has lasted or is expected to last for a long period (more than twelve years (EC 2017a). The following activities were considered in the assessment as causing loss of seabed: construction at sea and on the shoreline (also including cables and pipelines, marinas and harbours, land claim, and mariculture), sand and gravel extraction, dredging, and disposal of dredged matter (Figure 4.7.1).

Physical disturbance is defined as a change to the seabed which can be reverted if the activity causing the disturbance ceases (EC 2017a). The same activities as in the assessment of physical loss were considered in the assessment as causing physical disturbance (acting via the pressures of siltation, smothering, and abrasion), and in addition shipping and trawling were included as potentially causing physical disturbance (Figure 4.7.1).

The potential extent of loss and disturbance to the seabed was estimated by identifying the spatial distribution of human activities exerting these pressures. The extent of pressures was estimated based on the information from the literature, and the data sets were aggregated into two layers representing physical loss and physical disturbance, respectively. Whether an activity in reality leads to loss of or disturbance of habitats depends on many factors, such as the duration and intensity of the activity, the technique used and the sensitivity of the area affected. The identification of which activities lead to loss and/or physical disturbance is still under development. The aggregated layers were also compared with information on the spatial distribution of broad benthic habitat types, in order to estimate the potentially lost and disturbed area of benthic habitats (Supplementary report: HELCOM 2017D)

The results are presented descriptively as an indication of the potential extent of the pressure. However, no threshold values are defined for physical loss and disturbance and thus no value judgement of status is placed on the results.

Confidence in the assessment has not been calculated because the data layers include only information on which potential pressures are present, while their absence according to the data may reflect a true absence or missing information. Therefore the potential loss and disturbance can be underestimated in some sub-basins due to lack of data of specific pressures. It is however possible to qualitatively evaluate gaps in the pressure layers based on knowledge of the national data sets that are underlying the Baltic wide layers. The data layers used in this assessment include all layers listed in the supplementary report (HELCOM 2017D). It has been agreed to further consider the application of e.g. the layer on bathing sites and leisure boating in the updated version of the report.

Box 4.6.1. Methods used in the commercial fishery

Cod is mainly fished by demersal trawls reaching the seabed. It is also fished with gillnets, often with a by-catch of flatfish, which is also utilised.

Pelagic commercial species are almost exclusively sprat and herring, and are mainly fished by pelagic trawls, in the water column.

Salmon is caught by long lines during its feeding stage in the sea, or by trap nets or gill nets during their spawning run, and salmon fishing is also sometimes allowed in river mouths. Drift nets have been fully banned in the Baltic Sea since 2008.

The coastal fisheries use mainly gill nets, pound nets, trap nets, and in some areas Danish seines. A variety of species are targeted, depending on season and availability, including herring, cod and flounder and coastal freshwater species. Demersal trawling occurs in some coastal areas, but is forbidden in the coastal zone in many of the Baltic countries.

Box 4.2.2. Pharmaceuticals

The main source of pharmaceuticals to the Baltic Sea come from humans and animals, via urine and faeces, as well as the inappropriate disposal of unused medical products into sewers. Municipal wastewater treatment plants are considered a major pathway for introduction to the aquatic environment, with an estimated release of about 1.8 thousand tons of pharmaceuticals to the Baltic Sea. The fate and impacts of those pharmaceuticals in the environment is still largely unknown.

During the period 2002 to 2013, pharmaceuticals were detected in about 14% of the water, sediment and biota samples in the Baltic Sea (HELCOM 2016c). The most frequently detected substances belong to the therapeutic groups of anti-inflammatory and analgesics, cardiovascular and central nervous system agents. In biota, the largest number of different pharmaceutical substances and the highest concentrations were found in blue mussels.

A number of pharmaceuticals considered to be of special concern to the aquatic environment have been included on a ‘watch list’ under the EU Directive regarding priority substances in the field of water policy, and maximum acceptable detection limits have been proposed (European Commission 2013). Of the listed substances diclofenac was detected in 25% of the samples in the Baltic Sea, and failed the proposed maximum acceptable detection limit in 2% of the samples. The antibiotic claritromycin was detected in two out of 126 water samples and on one occasion in biota. Out of 228 water, sediment and biota samples, the hormones estradiol and 17a-ethinylestradiol were detected in three water samples. However, in many cases the analytical level of detection of the methods were not sensitive enough to give a result.

HELCOM aims to develop core indicators for diclofenac concentration and estrogenic-like chemicals and effects.

Box 4.2.1 Threshold values for assessing hazardous substances

Environmental quality standard values in the field of water policy are set in directive 2008/105/EC of the European commission, amended in 2013 (EC 2008, 2013). These values are referred to as ‘EQS values’, and are set for priority substances with respect to concentrations in water, and for some substances also with respect to concentrations in biota (fish or shellfish). Values for sediments are not published there, but can be found in the EQS substance dossiers. The environmental quality standard values are used by EU Member States for the classification of chemical status of water bodies under the Water Framework Directive, and relate to an expected ‘safe’ level of exposure. Below this level, it is assumed that no harm will be caused to the freshwater or marine environment.

Environmental quality standard values for water are used as threshold values in the core indicators for some substances. In these cases, the value relating to an annual average concentration is used. Monitoring in water can be challenging as the concentrations can be several orders of magnitude below the analytical detection limit.

When measurements in biota are used, different trophic levels of the foodweb are analysed depending on the substance (for example, mussels or predatory fish are used), and different parts of the fish (for example fish muscle or measurements on the whole fish). Hence, the measured concentrations often need to be converted in order to conform to the environmental quality standard biota-value, which may introduce uncertainties. In this derivation, four principal matrices and protection goals are considered on the basis of toxicity tests with representative organisms; the pelagic community (‘QSwater’), benthic habitats (‘QSsediment’), top predators (‘QSbiota – secondary poisoning’), and human health through food consumption (‘QSbiota – human health’). A QS value can be used for the assessment provided that it corresponds to at least the same level of protection as the environmental quality standard. The value for the most sensitive of these matrices and protection goals is used.

Background assessment criteria have been developed by OSPAR and ICES to define the background concentrations of naturally occurring substances, and close to zero concentrations for man-made substances. The defined values do not take ecotoxicological aspects into consideration. Hence, the approach is different to the derivation of the environmental quality standard values, which aims to relate to risks for adverse effects. If a background assessment criterion is used as a threshold value, this can be considered a more cautious assessment compared an environmental quality standard. Values based on background assessment criteria are currently not available for the HELCOM region, but could be calculated in future work.

Foodstuff threshold values stem from legislation of the European Union (EC 2006). They are derived taking into consideration information beyond the environmental parameters, such as dietary standards of the concerned human population, typical levels of contaminants in different foodstuff, and trade. The aim is to identify and prevent contaminated foodstuff from being placed on the market. Thus, the foodstuff threshold values do not cover all combinations of matrices and contaminants relevant for an environmental assessment of the marine environment. Because of this, a full equivalence between foodstuff threshold values and EQS-values should not be expected, although the values can in some cases be very similar or even the same.

Box 1.3. Baltic Sea main policies driving the assessment

The Baltic Sea Action Plan and the Marine Strategy Framework Directive have similar goals and objectives, and thus, progress towards achieving the regional aim can be assessed using the same indicators and tools. The ‘State of the Baltic Sea’ report covers the topics addressed by the four segments of the Icon pool sliders Dsquared2 yX4Im9EA
and its follow-up Ministerial Declarations , as well as the descriptors of the Marine Strategy Framework Directive . The assessment is organised according to Pressures on the environment ( Charlotte Olympia Woman Leopardprint Calf Hair Platform Pumps Animal Print Size 40 Charlotte Olympia FdKVatdx
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). The indicators used in the respective sub-chapters are listed in Table B.1.3.1 and Table B.1.3.2.

Marine litter and underwater sound are new components of the Baltic Sea Action Plan, taken up by HELCOM in the Ministerial Declarations (Moscow, 2010 and Copenhagen, 2013). The EU Marine Strategy Framework descriptor related to the removal of commercial fish and shellfish can be associated with the provisions of 2013 HELCOM Declaration on ecosystem-based fisheries, while hydrological conditions cannot be directly assigned to any segment of the Baltic Sea Action Plan. Maritime activities, which is a focal area of HELCOM and one of the four BSAP segments, is linked to several of the descriptors, including eutrophication contaminants, and non-indigenous species.

Table B.1.3.1. Indicators used in Chapter 4 of this report (‘Pressures’), and their relation to the segments of the Baltic Sea Action Plan (BSAP and the descriptors of the Marine Strategy Framework Directive (MSFD). Indicators marked * have not been adopted in HELCOM yet and are currently tested. Indicators in italics are under development in HELCOM and at this time only included descriptively in the report. The indicators are presented by the segments of the Baltic Sea Action Plan: Eutrophication (green), Hazardous substances (orange) and Maritime activities (blue), and the follow-up declarations (yellow). All indicators on eutrophication and hazardous substances are also relevant for the maritime segment of the Baltic Sea Action Plan.

Table B.1.3.2. Indicators used in Chapter 5 of this report (‘Biodiversity’), relating to the biodiversity segment of the Baltic Sea Action Plan (BSAP) and descriptor 1 of the Marine Strategy Framework Directive (MSFD). Indicators marked * have not been adopted in HELCOM yet and are currently tested. Indicators in italics are under development in HELCOM and at this time only included descriptively in the report.

Box 1.2 Cumulative effects on species

Some species migrate far and encounter several different environments and different types of pressures during their life. Other species are local and cannot move, even if the local environment changes, and the water masses around them have travelled long distances and include substances from sources far away. The status of pressures, species and habitats is influenced by multiple connections to human activities. The linkages between human activities and pressures are outlined in DESIGN Luna Bug Embroidered Ballet Flats Pink Asos Rzoomdy
, and the impacts of current pressures in the Baltic Sea on species and habitats are assessed using the Baltic Sea Impact index in Chapter 6 Cumulative impacts on the marine environment . Understanding these linkages also helps reveal important knowledge gaps for setting management targets and helps us to better understand how human activities depend upon, and benefit from, marine ecosystem services.

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