ROTARY/KIWANIS/LIONS CLUBS CAMDEN, AR AUGUST 13, 2013 Mike Dumas President Ouachita River Valley Association.

KlickEx means Opportunity. Payment Landscape: The Pacific (before we started): 80% of the populations were unbanked 40% of GDP was remittance based 20%

Sun - Major Misconceptions The Sun orbits around the Earth during the course of the day. Seasons are caused by the Earth’s changing distance to the Sun.

R-11: Building Capacity for Full Community Participation Glen W. White, PhD Jerry Schultz, PhD Jean Ann Summers, PhD Dot Nary, PhD Christina Holt, MA Momina.

Cindi Pichler, MS, CRC, ATP Independence First Laura Plummer, MA, CRC, ATP Stout Vocational Rehabilitation Institute How NOT to get the wrong device! “Avoiding.

¡Hola! Estoy perdido! I’m lost. Podrias ayudarme? Can you help me? Donde queda el bano? Where is the toilet? Las Direcciones [Finding directions] Yo no.

Research Methods for Business Dr. K.V. Kannan M.B.A., M.F.T., Ph.D.Senior Faculty, KSRBS, T’gode.

Types of Treatment Psychotherapy Insight therapies “talk therapy” Ex. Family and marital therapy Behavior therapies Changing overt behavior.