Tell him you think it's worth more and he'll also throw in the Monstermon card. Try to sell the "contraband" to Monty.Examine the fallen beehive to get the Monstermon card.Applegate and Bob to the teachers' lounge to see them making out - and to earn the K-I-S-S-I-N-G Achievement! Applegate a bouquet of flowers, which will be conveniently left behind for you to grab a flower from! Shake the tree and she'll be stung by the bees. Talk to Felix, who will give you some contraband to plant by the tree with the beehive.Give her Gravy to get the outfit AND the Monstermon card - then just reload the day from lunch - you'll still be able to keep the card! Talk to Cindy, who is jumping on the trampoline. Go down the alley to see Agnes the dumpster hag. Instead of giving the salad to Felix, skip ahead to lunch. As it's easy to reload and restart sections of the day in Kindergarten 2, we can deviate from the story here to grab a Monstermon card.Interact with it to get the Monstermon card. During lunch, Ozzy will leave to use the bathroom, leaving his bag lunch unattended.Talk to Margaret to get the vegan salad. ![]() With him gone, enter the teachers' lounge and grab the yellow flower.
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![]() When a ship gains the broken condition, it takes a –2 penalty to AC, on sailing checks, saving throws, and on combat maneuver checks. Special Note on Ships: Ships, and sometimes their means of propulsion-are objects, and like any other object, when they take damage in excess of half their hit points, they gain the broken condition. Most craftsmen charge one-tenth the item’s total cost to repair such damage (more if the item is badly damaged or ruined). Generally speaking, this requires a DC 20 Craft check and 1 hour of work per point of damage to be repaired. Non-magical items can be repaired in a similar fashion, or through the Craft skill used to create it. Items lose the broken condition if the spell restores the object to half its original hit points or higher. If the item is magical, it can only be repaired with a mending or make whole spell cast by a character with a caster level equal to or higher than the item’s. Items with the broken condition, regardless of type, are worth 75% of their normal value. If the item does not fit into any of these categories, the broken condition has no effect on its use.If the item is a wand or staff, it uses up twice as many charges when used.If the item is a tool needed for a skill, any skill check made with the item takes a –2 penalty.Broken armor doubles its armor check penalty on skills. If the item is a suit of armor or a shield, the bonus it grants to AC is halved, rounding down.Such weapons only score a critical hit on a natural 20 and only deal ×2 damage on a confirmed critical hit. If the item is a weapon, any attacks made with the item suffer a –2 penalty on attack and damage rolls.The broken condition has the following effects, depending upon the item. Items that have taken damage in excess of half their total hit points gain the broken condition, meaning they are less effective at their designated task. Characters who remain blinded for a long time grow accustomed to these drawbacks and can overcome some of them. Creatures that fail this check fall prone. Blind creatures must make a DC 10 Acrobatics skill check to move faster than half speed. All opponents are considered to have total concealment (50% miss chance) against the blinded character. All checks and activities that rely on vision (such as reading and Perception checks based on sight) automatically fail. It takes a –2 penalty to Armor Class, loses its Dexterity bonus to AC (if any), and takes a –4 penalty on most Strength– and Dexterity-based skill checks and on opposed Perception skill checks. In this case, ability drain is worse than ability damage. When two or more bleed effects deal the same kind of damage, take the worse effect. ![]() Bleed effects do not stack with each other unless they deal different kinds of damage. Some bleed effects cause ability damage or even ability drain. Bleeding can be stopped by a DC 15 Heal check or through the application of any spell that cures hit point damage (even if the bleed is ability damage). BleedĪ creature that is taking bleed damage takes the listed amount of damage at the beginning of its turn. These penalties do not apply against the antagonist. If the creature succeeds on its Sense Motive skill check, the antagonized condition ends, but the creature suffers a -2 penalty on attack rolls and a -2 penalty to the saving throw DC of its abilities and any spells it casts for 1 minute. This skill check is opposed by the antagonist’s original antagonize skill check. On each round after the first, an antagonized creature may attempt a Sense Motive skill check to realize the folly of its actions during its turn as a swift action. If an antagonized creature uses an ability that targets an area, its antagonist must be within the ability’s targeted area. If an antagonized creature uses an ability that targets multiple creatures, the antagonist must be chosen among these targets. A creature is no longer antagonized if its antagonist is helpless, unconscious, or cannot participate in combat. Furthermore, an antagonized creature does not threaten any opponents except its antagonist: it cannot make attacks of opportunity or be used to determine flanking bonuses against other opponents. A hostile action is any attack or effect that causes direct harm to an opponent in the form of damage, negative conditions, or any other effect that penalizes or hinders a creature. Antagonized Īn antagonized creature can only target its antagonist (the one who caused the antagonized condition) with hostile actions. If effects can’t combine, apply the most severe effect. If more than one condition affects a character, apply them all. We have provided direct link full setup of the game. Shadows Heretic Kingdoms 2014 PC Game Free DownloadĬlick on the below button to start Shadows Heretic Kingdoms 2014 PC Game Free Download.
You may have heard that medical costs are on the rise in this country. Is your partner or relative staying home with your kids or are you paying someone to be your children's caregiver? Are you opting for public or private school? The SmartAsset budget calculator shows you the average childcare expenditure for someone like you in your area. Your childcare costs will depend on your circumstances. If you have a bundle of joy (or several) depending on you, your budget will need to accommodate that fact. Here are the major expense categories that you will likely want to include in your budget: Childcare Others average the cost of all gifts and travel for the year and divide it by 12 months. For example, you could budget for gifts in December and for travel in the summer. Are you earning more than you spend? You could afford to devote more to savings and investing.īecause expenses vary from month to month, some hardcore budget devotees will make a new spending plan each month. Oh, and keep track of your monthly income, or how much money you are bringing home each month.Īre you spending more than you earn? You need to trim your expenses. Start by keeping track of what you spend in a month. With a zero-based budget, everything is on the table and you should have nothing left over. One popular strategy that businesses and individuals can use to get started involves making a zero-based budget. You won't know how much you can afford to trim from your budget if you don't have one at all. ![]() Maybe you're willing to cut back on some non-essential spending if it enables you to reach another goal. You can take a look at your budget and see what you can reasonably trim. Now, what if something changes down the road? Say you want to take a dream job that pays less than you're currently making or you want to move to a city with a higher cost of living. If that's within your budget, you've paid your bills and you've paid yourself, go for it. Say you know you're spending a hefty sum on eating out, travel or clothes. For another, you'll be able to make room in your budget if necessary. For one thing, you'll have an emergency fund and retirement savings. Once you have a workable budget you'll see how useful it can be to prepare you for the future. Having a budget that you regularly reassess will help you take stock of where your money is going and how close you are to meeting your goals. ![]() You "pay yourself" by beefing up your emergency fund and investing for retirement, you pay your bills (including any debts you're carrying) and then you can spend what's left over. But it's living from paycheck to paycheck in a good way. That may sound like living paycheck to paycheck and in a way it is. Ideally, every dollar of your income should be accounted for in a monthly budget. Let's talk about living within your means. Second, having a budget leaves you better prepared for changes in the future. First, it helps you live within your means. Having a budget is important for two reasons. Budgeting also lets you see how much you're spending in different categories. Household Budget BasicsĪ budget lets you manage how much you're spending relative to how much you're earning. ![]() With our interactive budget calculator you can see how people like you in your zip code are budgeting based on factors including the number of adults and children in the household and the size of the household's annual income. We offer advice on how to streamline your budget, how to fix your budget and how to stick to your budget. Ready? Submit your Seylan Savings Planner online now or Download your application.Here at SmartAsset we talk a lot about budgets. Note: Other documents may be requested by the bank to ensure better customer service in the future.
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The number of work scattered in more than 70 pinball rock face! ! The ultimate pinball game that combines the depth of anyone feel free to enjoy you. "Resurrected to defeat the devil, the trio confronts Ocharake 'director of high-quality video and sound glamorous fantasy of a comic. The game may incorporate a new sense of character while making the simple and thrilling flavors of pinball. The pinball can also be powered up, allowing it to hit enemies and obstacles for greater damage. He also has 3 defenders who spin when hit! I was in stitches when I first saw this, as the boss jumps left and right in a truly random manner, trying to defend the goal. You actually have to score by getting your pinball into the goal. This is what makes the game really special! I won't spoil too much for you but one of the mini-games that you'll encounter is a game of soccer. You will then get whisked away to a mini pinball boss where you'll take part in some kind of mini-game. To reach them, you usually have to perform something crazy on the table such as destroying some Targets or Matching 3 Symbols on the Bumper Roulette. The Aim of the game is to defeat the 4 "Boss Characters" who inhabit the Board. Last up, we have the Adorable Magician who specializes in the "Lucky Ball", meaning that everything that she hits has a Point multiplier, however the multilplier is random every time. He comes with the "Multiple Ball" Ability which allows him to spawn up to 4 Decoy balls behind his main ball, which in turn allows for Multiple attacks on targets and can also grab Multipliers. Some of the targets activate special missions when. You can gain various bonuses (such as several balls to knock at the same time) if you play particularly well. With the help of three flippers, you must send the ball into the various openings, trapdoors, and ramps. Next up, is what I can only desribe as a Turtle Hybrid. They'll still have the same quality vs quantity problem they always did - making the uninitiated customer understand that a pinball game with one table is worth their money, when other games provide multiple tables - but if they can get traction in the market, I can only imagine the future of the Ultra series will be assured. In this pinball simulation, you play on a table called 'The Web'. This enables him to destroy obstacles on the course a lot easier, and is well recommended for players who want to rush to get big points through physical hits. Jurassic Park Pin immerses players in a pinball journey 65 million years. ![]() They each have their own attributes that affect how the game is played.First up, there is the Knight that specializes in Power Ball moves. New Stern Jurassic Park PIN Click Here to see pricing and more pictures CHICAGO, IL Octo Stern Pinball, Inc., announces the availability of Jurassic Park Pin, a new stylish, affordable, and fun pinball machine designed and engineered for the home. You can select from three different characters before the plunger is pulled. ![]() The character art and background designs are of an anime style. This game also offers living bumpers, wandering enemies, and bonus rounds that take place outside of the main table. Kyuutenkai Fantastic Pinball is a pinball game released for Saturn & Playstation One consoles by the creators of the awesome "Devil Crash" for the Sega Mega Drive. ![]() ![]() ![]() Just follow our instruction to make sure everything is properly set. That being said, you can have our Golf Clash Mod APK installed on your mobile devices. If you’re struggling with that thoughts, then our mod version of the game might be helpful to you. While they don’t necessarily affect your progress, it’s still very tempting to have those purchases purchased. However, since it’s a freemium game, there are still some in-app purchases that you’ll have to deal with. Hence, you can enjoy the game on your mobile devices without having to pay. Capture jaw-dropping shots and incredible performances that you’ve pulled off and share them online whenever you want.Īnd despite all the exciting features, Golf Clash still comes with a completely free pricing. And most importantly, the game does come with the voice chat feature so that you can easily communicate with other online gamers in Golf Clash.Īnd finally, you can share your memorable moments in Golf Clash with the online community using the replay option. Moreover, you can easily interact with them using the intuitive chat feature and make uses of the cute emoji to show your feelings. That being said, with Golf Clash, there will always be thousands of active players online who’re ready to challenge you in exciting golf games. Since it’s an online game, it’s important that gamers are exposed to a large and helpful online community. That being said, you can enjoy playing on unique weathers, each having its own effects on your game.Ī large online community with thousands of active gamers On top of that, the interactive environments even come with varied weather conditions. Compete with your opponents in varied terrains and advance through challenging courses. Experience an interactive golfing gameĪnd during their journey, players in Golf Clash can find themselves having access to a diverse gameplay. Or collect valuable chests that could give you awesome loots like premium clubs or balls. That being said, you can collect daily rewards whenever you log back in the game. Or if you prefer, you can have fun with your friends and challenge them in one-on-one matchups.Īnd apart from the loots that you get from participating in tournaments and challenges, players in Golf Clash are also introduced to many rewards as they get involved in the gameplay. Win against your opponents in weekly leagues to have yourself promoted to the upper league. That being said, you can join other online gamers in the exciting tournaments. Gamers in Golf Clash will find themselves being introduced to dozens of awesome prizes as they enjoy the exciting golfing games. ![]() Have a lot of fun and rewarding loots in varied game modes It’ll be a great way to spend your quick lunch break, or to kill time while you’re on your daily commutes. Enjoy the real-time golf game whenever and wherever you want. Get yourself into the game as quick as possibleĪnd to let gamers to quickly get in their games, Golf Clash features the Quick Matchup that allows you to join a PvP match with another player in a matter of seconds. Perform awesome combos and earn yourself epic prizes. However, to become a master, you must spend your time mastering the controls. That being said, the simple control mechanics allow you to learn how to play extremely fast. Here you’ll find all the exciting features that the game has to offer: Simple and addictive shot mechanicsįor the first time, Android gamers will have their chances to enjoy their amazing mobile golf game without having to worry about the controls. Progress in Golf Class and keep on practicing, one day you’ll have your dream fulfilled. Compete with each other in one-on-one matchups and show them what you’re capable of. Challenge the world best golfer in exciting online golf battles. Slowly but steadily, you’ll become popular and skilled enough to compete with the big boys. Win against you to level up your skills as well as earning valuable loots. Participate in the small tournaments and friendly matches with other online gamers who share the same dream as you. Start your journey as a novice golfer who wishes to become a skilled and famous player one day. Find out more about this amazing game from Playdemic with our review. Improve your skills in Golf Clash as you go against the world best players. Pick up many different types of golf clubss and have yourself enjoying the game. Have yourself playing golf in beautiful courses with varied terrains. Golfing fans have finally had themselves a great golf game to enjoy on their mobile devices with Golf Clash. Download Golf Clash Mod latest 2.48.6 Android APK.A large online community with thousands of active gamers.Have a lot of fun and rewarding loots in varied game modes.Get yourself into the game as quick as possible.
![]() Complete flexibility in defining optional rule based linkages of individual model Grade Scales to Master Rating Scale.Ĭapability to configure facility risk evaluation workflow process by linking multiple rating models and instances to produce a facility or transaction rating giving the institution capability for integrated credit evaluation output for different facility dimensions like industry, obligor, security / facility level rating to arrive at the final ratings / risk scores based on master rating scale. Highly flexible architecture allows configuration of multiple interdependent algorithms for adjustments to rating scores to arrive at the final rating including judgmental overrides.Įnables development of multiple Grade scales with specific definitions or categories of risk. Flexibility in assigning scores and weights to model defined parameters as defined by the business rules of the model. Provision to maintain counterparties and model any type of related quantitative and qualitative information in user defined formats.įlexibility to host multiple risk rating models and scorecards – application and behavioral PD and LGD - for rating Obligor / Facility / Industry / Product / transaction. 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SAS® Model Implementation Platform Quickly and efficiently execute a wide range of models used in bank stress tests and other enterprise-level risk assessments. SAS® Risk Engine Make better, faster decisions based on current views of your overall risk exposure. ![]() SAS® Credit Scoring Develop, validate and monitor credit scorecards faster, cheaper and more flexibly than any outsourcing alternative. SAS® Risk Modeling Quickly develop, validate, deploy and track risk models in house – while minimizing model risk and improving model governance. ![]() SAS® Solution for Regulatory Capital Proactively manage regulatory risk with a single, end-to-end risk management environment. SAS® Risk Stratum Adopt a risk foundation that delivers three tiers of capabilities to match your needs, with each level building on the previous one to form a complete risk management foundation. If you manage to become friends with Crescent, he can be quite funny, and likes to make people laugh by doing funny dances or cracking a few jokes. As he got older, his mannerism matured, but he can be just as crazy when he wants to be. In the public he would tell random people horrible things while walking by like it was normal. He would throw insane tantrums at his parents and threaten to kill them. When he was younger, everyone saw him as the devils spawn. When he's not causing mischief, he acts quite collected, but he's crazy enough to go out and commit arson. He has a calm yet rebellious personality. Crescent can be very manipulative and is known to easily trick others. Though he's not self absorbed or narcissistic, he does seem to always know what he's talking about. One of Crescent's most notable traits is his sly and some-what cocky manner. He usually keeps them tied pretty tight so he won't slip while jumping from buildings using his tendrils (his main form of transportation), or during combat. He also wears lace up combat boots the reach the middle of his calves, that have markings the same color as the purple on his jacket. He wears very dark grey joggers that have a lighter grey stripe down the sides. He also wears a pendant necklace in the shape of an X. ![]() Right under the fur on his left side, there is a small pastel yellow crescent moon. The hood of the jacket has soft fur in a pastel plum color. The sleeves are black, with the same purple colored stripe across the middle. ![]() The top of the jacket is black, and the bottom half is a vibrant lavender purple color. ![]() A very noticeable thing about his aqua markings are that they glow.Ĭrescent wears a dark plum colored turtleneck sweater, and a zip up jacket over that. His eyes are the same aqua color, but more dull and dark. This is because his blood is liquid hate, it courses through his body, causing the different colorization. Crescent has dark freckle-like splotches going from cheek to cheek, and despite both of his parents having the usual white colored bones, Crescent has darker colored bones. He also has aqua blue strips going from the top of his eye, closing at a point. Crescent's markings are very unique, with aqua blue streaks going down his eyes to represent Killer, and an aqua blue crescent moon on his forehead, highly resembling Nightmares crown. His tendrils fade to a black and the tips are aqua blue. He has a fit but slim physique, and usually keeps his tendrils out for self defense. Crescent is quite a tall skeleton, standing at 5'7", he stands just a little over the average human. |
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