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Flotsam And Jetsam

BetAndreas Casino Üçün Qeydiyyat Prosesi və Tələb olunan Məlumatlar

Written By 1stchoiceus
Posted on
Categories: Flotsam And Jetsam

BetAndreas Casino-ya qoşulmaq üçün qeydiyyat prosesi, istifadəçilərə məmnuniyyət yaratmaq məqsədilə düşünülmüşdür. Bu proses, istifadəçi məlumatlarının düzgün və təhlükəsiz şəkildə toplanmasını təmin edir. Qeydiyyatdan keçərkən, oyunçuların şəxsi məlumatları ciddi şəkildə qorunur və bunlar təhlükəsizlik standartlarına uyğun şəkildə istifadə olunur.

BetAndreas Casino, yeni oyunçular üçün müxtəlif bonuslar təqdim edir ki, bu da qeydiyyat prosesini daha da cazibədar edir. Bu bonuslar, istifadəçilərin oyun təcrübəsini artırmaq və onları platformada daha uzun müddət saxlamaq üçün nəzərdə tutulmuşdur. Hər bir bonus, istifadəçi məlumatları əlavə edildikcə aktivləşir.

Qeydiyyat prosesinin sadəliyi və təhlükəsizliyi, BetAndreas Casino-nu seçən oyunçular üçün əhəmiyyətli bir amildir. Oyuncular, qeydiyyatdan keçərkən rahat və asan bir şəkildə öz məlumatlarını daxil edə bilərlər. Bu, onlara həmçinin maraqlı oyunlar arasında vaxt keçirmək imkanı tanıyır.

Qeydiyyat Üçün Gərəkli Məlumatlar

Qeydiyyat Üçün Gərəkli Məlumatlar

BetAndreas Casino-da asan qeydiyyat üçün bəzi zəruri məlumatlar tələb olunur. Bu məlumatlar sizin hesabınızın təhlükəsizliyini təmin etmək və oyun təcrübənizi asanlaşdırmaq məqsədini güdür.

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Məlumatları daxil etdikdən sonra, BetAndreas Casino-nun qeydiyyat prosesi tamamlamaq üçün yöndəyişənlərinə riayət edin. Bütün tələb olunan məlumatların doğru və güncəlliyinə diqqət yetirin.

BetAndreas Hesabının Yaradılması Addımları

BetAndreas Hesabının Yaradılması Addımları

BetAndreas platformasında uğurlu hesabın yaradılması bir neçə sadə addımdan ibarətdir. İlk növbədə, istifadəçi şəxsi məlumatlarını tam və düzgün daxil etməlidir. Bununla, istifadəçi öz bonus hüquqlarını asan bir şəkildə əldə edə bilər.

Hesab yaradılması prosesi zamanı, istifadəçi eyni zamanda, telefon nömrəsi və e-poçt ünvanı kimi məlumatları təqdim etməlidir. Bu məlumatlar, təhlükəsizlik və hesabın doğruluğu üçün mütləqdir.

İkinci addımda, istifadəçi istədiyi istifadəçi adını və parolunu seçməlidir. Seçilən parol, hesabın təhlükəsizliyini artırır, buna görə də unikal və güclü olmalıdır.

Sonuncu addımda, hesabın aktivləşdirilməsi üçün e-poçt yolu ilə göndərilən təsdiq linkinə klikləmək lazımdır. Bu mərhələ bitdikdən sonra, istifadəçi BetAndreas platformasında tam hüquqlu şəkildə fəaliyyət göstərə bilər.

Bu sürətli və asan qeydiyyat prosesi, istifadəçilərə müxtəlif bonuslar əldə etməyə imkan tanıyır. Hesab yaradarkən yaradılan şərtlərə diqqət yetirmək, daha sonra yarana biləcək hər hansı bir qeyri-müəyyənliyi aradan qaldıracaqdır.

Doğrulama Prosesi və Vacib Məlumatlar

Doğrulama Prosesi və Vacib Məlumatlar

BetAndreas Casino-da qeydiyyat sonrası istifadəçilərin öz hesablarını tam olaraq aktivləşdirmələri üçün doğru məlumatların təqdim olunması vacibdir. Doğrulama prosesi, qlobal təhlükəsizlik standartlarına uyğun olaraq həyata keçirilir. Bu, təkcə istifadəçi məlumatlarının müdafiəsi üçün deyil, həm də bonusların ədalətli şəkildə istifadə olunmasını təmin etmək məqsədini güdür.

İstifadəçilər qeydiyyat mərhələsində təqdim etdikləri məlumatların doğruluğunu təsdiq etməlidirlər. Bu, adətən, e-poçt ünvanına göndərilən təsdiq bağlantısı vasitəsilə həyata keçirilir. Əlavə olaraq, bəzi hallarda şəxsiyyət vəsiqəsi və ya digər sənədlər tələb oluna bilər.

Doğrulama prosesi tamamlandıqdan sonra, istifadəçilər qanuni olaraq BetAndreas hesablarını idarə edə bilərlər. Bu mərhələ, yalnız şəxsi təhlükəsizliyin deyil, həmçinin bonusların alqı-satqısının düzgünlüyünün təminatı üçündür. Hesabınızın doğrulaması tamamlandıqdan sonra istədiyiniz bonuslardan istifadə edə bilərsiniz.

İlk Depozit və Bonus Təklifləri

İlk Depozit və Bonus Təklifləri

BetAndreas Casino, yeni istifadəçilərinə cəlbedici bonuslar təqdim edir. İdman bahisləri və kazino oyunlarına daxil olan istifadəçilər, hesablarını yaradaraq ilk depozit edərkən xüsusi mükafatlarla qarşılaşırlar. Bu bonuslar, oyun təcrübənizi artırmaq üçün mükəmməl bir imkan təqdim edir.

Yeni qeydiyyatdan keçən istifadəçilər üçün, ilk depozit zamanı yüzdə yüz bonus əldə etmək mümkündür. Bu, həmçinin bəzi hallarda pulsuz fırlanmalarla da dəstəklənir, bu da oyunçulara daha çox şans verir. Bonuslardan istifadə edərkən, müvafiq şərtləri nəzərə almaq lazımdır; çünki hər təklifin özünəməxsus qaydaları mövcuddur.

Bonusların istifadəsi sizə əlavə vəsaitlər təmin etməklə yanaşı, qələbə şansınızı artıra bilər. Lakin, qeyd etməliyik ki, bu mükafatların istifadəsi zamanı təhlükəsizlik məsələləri önəmli rol oynayır. Öz hesabınızın təhlükəsizliyini təmin etmək və istifadəçi məlumatlarını qorumaq üçün aktiv hesab doğrulama prosesini tamamlamaq zəruridir.

Daha ətraflı məlumat üçün apk.azbetandreas.com saytına daxil olun. Beləliklə, bonusların avantajlarından tam istifadə etmək və oyunlarınızı daha müvəffəqiyyətli etmək imkanı əldə edirsiniz.

Sual-cavab:

BetAndreas Casino-da qeydiyyatdan keçmək üçün hansı addımlar atılmalıdır?

BetAndreas Casino-da qeydiyyatdan keçmək prosesi olduqca sadədir. İlk növbədə, rəsmi veb saytına daxil olun. Ana səhifənin sağ üst hissəsində “Qeydiyyat” bölməsini tapın və ona klikləyin. Açılan formda sizdən ad, soyad, e-poçt ünvanı və parol kimi şəxsi məlumatlarınızı daxil etməyiniz tələb olunur. Məlumatları doldurduqdan sonra qeydiyyatı təsdiq etmək üçün “Yarat” düyməsinə basın. Son addımda, e-poçtunuza göndərilən təsdiq linkinə daxil olun ki, hesabınız aktivləşsin.

Qeydiyyat prosesi zamanı hansı məlumatları təqdim etməliyəm?

Qeydiyyat zamanı sizdən ad, soyad, doğum tarixi, e-poçt ünvanı və parol təqdim etməyiniz tələb olunur. Eyni zamanda, bəzi hallarda telefon nömrəsi daxil etmək də tələb oluna bilər. Bu məlumatlar, sizin hesabınızı təsdiqləmək və təhlükəsizliyi təmin etmək üçün istifadə olunur. Hər hansı bir yanlış məlumat verərək qeydiyyat prosesi başa çata bilməz, ona görə də məlumatlarınızı dəqiq və tam şəkildə daxil etməyə diqqət edin.

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BetAndreas Casino-da qeydiyyat prosesi çox qısa müddət ərzində tamamlanır. Adətən, formu doldurub təsdiq etdikdən sonra siz hesabınıza giriş edə bilərsiniz. E-poçtunuza göndərilən təsdiq linkini aktivləşdirmək bir neçə dəqiqə çəkə bilər, buna görə də bu prosesi tamamlamaq üçün bir az gözləməyiniz lazım ola bilər. Lakin bütün bu addımlar bir neçə dəqiqə içində bitir, beləliklə, siz sürətlə oyuna başlaya bilərsiniz.

BetAndreas Casino-da qeydiyyatdan keçməzdən əvvəl nəyi nəzərə almalıyım?

Qeydiyyatdan keçməzdən əvvəl, mütləq BetAndreas Casino-nun istifadə şərtlərini oxuyun. Bu, sizin haqlarınızı, həmçinin məsuliyyətlərinizi anlamanızı təmin edəcəkdir. İndiki promosyonlar, bonuslar və ödəniş metodları ilə tanış olmaq da əhəmiyyətlidir. Həmçinin, yaş məhdudiyyətlərinə diqqət edin, çünki 18 yaşından kiçik şəxslərin qeydiyyatı qadağandır. Yalnız əmin olduqda qeydiyyatdan keçmək və oyun oynamağa başlamaq üçün addımları izləyin.

Guide till jackpotspel på Lucky Casino i Sverige

Written By 1stchoiceus
Posted on
Categories: Flotsam And Jetsam

Att spela jackpotspel på Lucky Casino är en fantastisk upplevelse för både nya och erfarna spelare. Casinots utbud av casino lucky games ger möjligheten att vinna enorma summor pengar, vilket gör varje snurr till en spännande händelse. Med en kombination av underhållning och potentiella vinster är jackpotspelen designade för att hålla spelarnas intresse vid liv.

Förutom en mängd spännande spel erbjuder Lucky Casino också ett lojalitetsprogram som belönar trogna spelare. Genom att delta i programmet kan spelare samla poäng och få tillgång till exklusiva bonusar och erbjudanden. Detta gör att varje besök på casinot kan ge mer än bara spänning; det blir en möjlighet till värdefulla belöningar.

Hur man väljer rätt jackpottspel för din spelstil

När du ska välja ett jackpottspel på lucky spins casino är det viktigt att ta hänsyn till din spelstil och preferenser. Det finns flera faktorer som kan påverka ditt val av spel, och att förstå dessa kan hjälpa dig att maximera din njutning och potentiella vinster.

1. Speltyp: Olika jackpottspel erbjuder olika upplevelser. Om du föredrar snabba uttag och högre varians kan du kika på progressiva jackpottar. För dem som gillar att spela långsamt och strategiskt kan klassiska slots med fasta jackpottar vara mer attraktiva.

2. Insättningsbonus: Många onlinecasinon, inklusive Lucky Casino, erbjuder insättningsbonusar som kan ge dig extra spelpengar. Genom att använda dessa bonusar kan du utforska olika jackpottspel utan att riskera stora summor av dina egna pengar.

3. Lojalitetsprogram: Tänk på om casinot har ett lojalitetsprogram. Genom att spela regelbundet kan du tjäna poäng och nivåer som ger olika fördelar, som cashback och exklusiva bonusar, vilket kan göra ditt spelande mer lönsamt.

4. Live Casino: För den som gillar interaktivitet kan live casino-alternativ vara ett bra val. Även om jackpottarna kanske inte är lika framträdande som i andra typer av spel, erbjuder live dealer-spel en unik social upplevelse.

5. Ditt rätta tempo: Välj spel som passar ditt tempo. Om du vill börja spela snabbt, fokusera på spel med lägre insatskrav och fler spelrundor. Det ger dig möjlighet att öka din bankroll och njuta av spelet längre.

Genom att ta hänsyn till dessa faktorer kan du hitta ett jackpottspel som passar just din stil och maximera ditt nöje på Casino Lucky Games. Lycka till med spelandet!

Strategier för att maximera dina vinstchanser på jackpottar

För att öka dina chanser att vinna på jackpotspel är det viktigt att ha en genomtänkt strategi. En metod är att välja jackpotspel med hög återbetalning (RTP), vilket ger spelares mer fördelaktiga odds. Många casino lucky games erbjuder statistik om RTP, vilket kan vägleda ditt val.

Utnyttja även lojalitetsprogram som erbjuds av många casinon. Genom att delta samlar du poäng som kan omvandlas till bonusar eller andra fördelar. Detta kan ge extra värde till dina spel och öka den långsiktiga vinsten.

Att dra nytta av insättningsbonusar är ett annat sätt att maximera dina möjligheter. Bonusar ger extra medel att spela med, vilket innebär fler chanser att träffa jackpotten. Se till att läsa igenom bonusvillkoren för att förstå hur de fungerar.

Spela progressiva jackpottar med större jackpottar men kom ihåg att insatserna ofta är högre för att delta. Det kan vara värt att satsa mer pengar för chansen att vinna större summor. Testa olika speltyper för att hitta vad som fungerar bäst för dig och din spelstil.

Att sätta en budget är avgörande. Bestäm hur mycket du är villig att spela för och håll dig till det. Detta skyddar dig från att förlora mer än vad du planerat och hjälper till att skapa en mer hållbar spelupplevelse.

Vanliga frågor och svar om jackpotspel på Lucky Casino

Vad är jackpotspel på Lucky Casino?

Jackpotspel på Lucky Casino är spällens spel som erbjuder stora vinster, ofta med progressiva jackpottar som växer ju fler som spelar. Dessa spel kan hittas bland casino lucky games och erbjuder spännande möjligheter för spelare.

Behöver jag en bonus utan omsättning för att spela jackpotspel?

Det är inte nödvändigt att ha en bonus utan omsättning, men det kan ge dig extra spelkrediter att använda på jackpotspel, vilket kan öka dina chanser att vinna.

Hur kan jag börja spela jackpotspel på Lucky Casino?

För att börja spela, registrera dig på Lucky Casino och gå till sektionen för jackpotspel. Välj ett spel, sätt den insats du ér bekväm med och tryck på spin.

Kan jag spela jackpotspel i live casino?

Nej, jackpotspel erbjuds oftast som slotmaskiner och inte i live casino-format, däremot kan live casinon erbjuda liknande spältyper med stora vinster.

Vad är chansen att vinna på jackpotspel?

Chansen att vinna varierar beroende på spelet och den aktuella jackpotten. Generellt sett är odds för progressiva jackpottar låg, men vinsterna kan vara enorma.

Finns det strategier för att vinna på jackpotspel?

Det finns ingen garanterad strategi, men spelare kan överväga att spela på spel med högre utbetalningsprocent och satsa på progressiva jackpottar för större vinster.

Hur kan jag lära mig mer om jackpotspel på Lucky Casino?

En nyttig resurs är att läsa recensioner som lucky casino review samt delta i forum och diskussioner kring casino lucky games.

Guia definitivo de zeroum casino bônus de boas-vindas para iniciantes

Written By 1stchoiceus
Posted on
Categories: Flotsam And Jetsam

Se você está começando sua experiência em cassinos online, entender como funcionam os bônus de boas-vindas é fundamental. Estes incentivos têm o poder de transformar sua jornada de apostas, oferecendo a chance de explorar uma ampla gama de jogos ao vivo sem a necessidade de fazer grandes investimentos iniciais. Este guia irá esclarecer todos os pormenores sobre como aproveitar ao máximo essas ofertas e quais são as melhores práticas para assegurar pagamentos rápidos.

Além de apresentar os bônus disponíveis, abordaremos os requisitos de apostas e outras condições que podem impactar sua experiência. Com a informação certa, você poderá escolher as melhores opções e se preparar para uma aventura emocionante, cheia de oportunidades e ganhos. Prepare-se para descobrir como os bônus de boas-vindas podem ser seu primeiro passo rumo a uma trajetória de sucesso nos cassinos online.

Como funciona o bônus de boas-vindas em casinos online

O bônus de boas-vindas é uma oferta especial destinada a novos jogadores que se registram em um cassino online. Geralmente, esse bônus pode ser na forma de um percentual sobre o primeiro depósito, permitindo que os iniciantes tenham mais fundos para jogar. Alguns casinos também oferecem rodadas bônus em jogos selecionados, como roleta virtual, aumentando ainda mais as oportunidades de ganhar.

Os pagamentos rápidos são uma das maiores vantagens desses bônus. Após cumprir os requisitos de apostas, os jogadores podem retirar suas vitórias com agilidade, aproveitando suas recompensas de forma eficaz. Além disso, muitos casinos oferecem bônus progressivos, que podem aumentar ao longo do tempo, incentivando a continuidade nas apostas.

Outras características atraentes incluem rodadas ilimitadas em determinados jogos, proporcionando uma experiência de jogo mais rica sem custo adicional. Essa modalidade é especialmente popular entre os usuários de cassino móvel, que preferem jogar de forma prática e acessível.

Para aqueles que desejam saber mais sobre as ofertas e detalhes desses bônus, é recomendável visitar o site slots do zeroum casino, onde você encontrará uma análise completa das melhores opções de bônus de boas-vindas e dicas úteis para aproveitar ao máximo sua experiência de jogo.

Passo a passo para registrar e ativar seu bônus

Para aproveitar ao máximo o seu bônus de boas-vindas em um cassino online, siga estas etapas simples:

1. Escolha um cassino confiável: Antes de tudo, selecione uma plataforma de jogo que ofereça pagamentos rápidos e uma boa seleção de jogos, como roleta virtual e rodadas bônus.

2. Crie uma conta: Clique no botão de registro e forneça suas informações pessoais. Certifique-se de inserir dados corretos para evitar problemas futuros.

3. Faça o primeiro depósito: A maioria dos bônus de boas-vindas é ativada após o primeiro depósito. Verifique os métodos de pagamento disponíveis e escolha aquele que você prefere.

4. Ative o bônus: Ao completar o depósito, você poderá ativar o bônus. Algumas plataformas requerem que você insira um código promocional; verifique as instruções específicas do cassino.

5. Confira os requisitos: Leia atentamente os termos e condições do bônus, incluindo as exigências de apostas. Isso é fundamental para entender como funcionam as rodadas ilimitadas e os bônus progressivos.

6. Comece a jogar: Após a ativação, você pode aproveitar seu bônus em diversos jogos, explorando rodadas bônus e aumentando suas chances de ganhar.

Seguindo esses passos, você estará pronto para usufruir de uma experiência emocionante e lucrativa nos cassinos online.

Erros comuns a evitar ao usar o bônus de boas-vindas

Ao utilizar um bônus de boas-vindas em um cassino online, é importante estar atento a alguns erros que podem comprometer sua experiência de jogo. Confira abaixo os principais pontos que os iniciantes devem evitar:

  • Não ler os termos e condições: Muitos jogadores negligenciam a leitura das regras associadas ao bônus. Verifique requisitos de aposta, prazos e restrições.
  • Ignorar os jogos qualificados: Cada bônus pode ter uma lista específica de jogos que contribuem para os requisitos de apostas. Jogos como blackjack online podem ter uma contribuição diferente comparado a caça-níqueis.
  • Usar o bônus de forma apressada: Alguns jogadores tentam cumprir os requisitos rapidamente, o que pode levar a decisões precipitadas. Aproveite as rodadas bônus para se familiarizar com as mecânicas do jogo.
  • Esquecer-se das rodadas ilimitadas: Alguns cassinos oferecem rodadas ilimitadas como parte do bônus. Não deixe de aproveitar essa oportunidade para maximizar seu tempo de jogo.
  • Desconsiderar os métodos de pagamento: Requisitos de pagamento rápido são comuns em casinos móveis. Escolha um método que permita saques sem complicações para evitar frustrações.
  • Focar somente em um jogo: Ao usar o bônus, explore diferentes tendências de jogos. Isso aumenta suas chances de encontrar jogos que você goste e que sejam rentáveis.
  • Não monitorar o saldo: Fique atento ao seu saldo durante o uso do bônus. Isso ajuda a evitar a situação de jogar até acabar o saldo antes de concluir os requisitos de aposta.

Adotar uma abordagem cuidadosa e informada ao usar seu bônus de boas-vindas pode melhorar significativamente sua experiência nos cassinos online. Evitando esses erros comuns, você terá uma trajetória mais tranquila e proveitosa.

A Workshop in Color: Pastels with Doug Dawson

Written By PensacolaFlorida.com
Posted on
Categories: Flotsam And Jetsam

An internationally-known pastel artist is coming to Pensacola to give a workshop in July!

Doug Dawson will teach a three-day class hosted by Quayside Art Gallery. Dates for the workshop are July 15–17, 2019. The Quayside website has more information about how to sign up: https://www.quaysidegallery.com/doug-dawson-pastel-workshop

I became acquainted with Doug’s work from visiting Ventana Art Gallery in Santa Fe. His pastel paintings caught my attention because of his use of color, which makes them seem to glow. I even bought one of his pieces a few years ago and have it hanging in my living room. Doug and many of the old masters like Edgar Degas, Childe Hassam, and Mary Cassatt have inspired me to try using pastels for my own art.

Moored Study, pastel, 11×14, Doug Dawson

I started painting in pastels last summer when I took a class with Pensacola artist Fred Meyers, who has about thirty years of experience and is currently teaching a weekly drawing class, also hosted by Quayside Art Gallery. Although pastels have their challenges, I’m enjoying them for a number of reasons. For one, drawings can be done much faster than they can be rendered in colored pencil, a medium that I typically use for drawings. They can also be layered in a way that colored pencil can’t because of the pastel’s opacity. Top layers can cover layers underneath, whereas colored pencils give transparent layers and a different effect. And, like colored pencils, the color does not have to be mixed, so there are no paints to dry out. They are also color-fast and should retain vibrant colors. For all these reasons, and probably others, they are a popular medium among plein air artists, who work on location outdoors. Yet, pastels are not without some issues to consider.

Like any medium, they have characteristics that could be considered disadvantages. In particular, they are messier than pencils because they’re chalk, and unless I use gloves, my fingers contact the pigment. I keep a damp paper towel close by to wipe my fingers, especially when I’m painting with them during one of my Friday shifts at Quayside Art Gallery. If I compare the mess to oil or acrylic painting, however, it’s not so bad because I don’t have to use solvents, mediums, or thinners, and pastels don’t require drying time. But like oil paints and their solvents, pastels have inhalation issues. Since the dust contains pigments, it can’t be healthy, so I’m careful about not stirring it up and breathing it. And the advantage of not having to mix colors creates a disadvantage in that I have to buy a lot of colors. But, they’re not as expensive as tubes of good-quality oil or acrylic paint. Any medium has its pros and cons, so I choose a medium based on what I want to create and where I’ll be working. And one of those places this summer will be at Framing by Design, where the Quayside workshops are held.

I am really looking forward to Doug’s workshop, and in the meantime, I’m producing a few small pieces, like these peonies entitled Flowers, My Love. It is currently on display at Quayside Art Gallery on the third floor. If you’re interested in learning the techniques of using pastels from an internationally-known artist, consider signing up for Doug’s workshop.

See you there?!

 

Long Shadows

Written By Kathlene Rushing
Posted on
Categories: Blog Posts, Flotsam And Jetsam

I like this picture of Benny and me, even though it’s not really of us, but of our shadows. Any viewer knows that a person and a dog stood in this grassy area at a time when the sun was low and that someone took a picture of the shadows and not the person or the dog. These shadows reach far into the yard, much farther than I could stretch my arms or legs. I now see this photo as a metaphor for the reach our lives have on others, even if we’re not physically in the picture.

Anyone who has lost a loved one knows that the presence of that loved one is felt long after he or she is gone. Time, like distance, may distort the loss, much in the same way that the closest shadows near our feet are over-large, whereas our heads, farther into the yard, are disproportionately smaller. This distortion doesn’t cause the viewer to doubt the existence of a person and a dog blocking the sun. But fortunately, the viewer also doesn’t have to put a monetary value on this loss of sunlight, unlike the experience that I had recently serving on a jury tasked with valuing the loss of a loved one’s “sunshine.”

In September 2018, I was part of a jury that was instructed to determine the dollar amounts to award to the widow and three adult children of a man who had died of lung cancer. In a previous trial, the defendant (Philip Morris) had been found guilty of contributing to the smoker’s death, and the plaintiffs (the family) had been awarded economic damages, those damages for which a dollar amount is more easily determined, like expenses and loss of income. For this follow-up trial, the jury was asked to determine the compensation for the family’s “pain and suffering.” So, our question was the following: what, if anything, should the family receive in damages for the emotional trauma they went through as a result of the death? This question proved to be even more difficult than I might have imagined, and I have some experience at valuing things that are difficult to put a dollar number on.

For twenty-five years, I worked for The Dow Chemical Company in research and development. At the time of my retirement, I was a Sr. Director in charge of Intellectual Capital Management. This group of experienced chemists and engineers worked to advise Dow’s businesses on the value and utilization of intellectual capital, which includes the corporation’s intangible assets:  ideas, inventions, and intellectual property, such as patents and trademarks. These assets are not the hard assets, like the bricks and mortar or financial holdings, but they are, as the definition of intangible implies, “not tangible, impalpable, an asset (such as goodwill) that is not corporeal, an abstract quality or attribute” (Merriam-Webster). If “pain and suffering” does not fit in the legal category of economic damages, then it must be considered an intangible, which can certainly have value. So, for the jury, we had to decide the value of this most uneconomic aspect of life, but I think there are parallels to the business world.

For us in the corporate environment, the value of intellectual capital was frequently hard to determine because not only was it usually an anticipated value, a possible future value, but it also was highly context-dependent. For example, an invention may be very valuable to a company that seeks a certain market position, yet not valuable to a company that has no interest in the same market. And in addition, market dynamics are notorious for being unpredictable. I discuss these considerations and others related to the management of intellectual capital in a book chapter published in Cultures of Copyright (Peter Lang, 2015). However, my corporate background did not prepare me for the jury deliberation as much as the intervening two months have, in which I’ve had time to consider the options and what we might have argued.

In this trial, the smoker was a white male, who died of lung cancer at age 42 after a year of illness. He left a wife and three children, ages (if I recall correctly) nine, sixteen, and twenty-one. His death left the family emotionally devastated, and they testified tearfully to the aftermath with its pain and suffering. The jury was told that in the previous trial the family had been awarded economic damages, but we didn’t know how much, nor could we do any background searching. Since we didn’t know how much money the family was awarded in the first trial, we had no idea if they had already received millions of dollars or a thousand dollars. We had to keep in mind that whatever the first settlement was, our decision was a separate issue. What we could know is what their counsel was asking for and what the defendant’s counsel said was a reasonable number. Counsel for the family asked for $1.3 million each for the widow and three children. The Defendant, Philip Morris, said that $50,000 each was a reasonable number. Given the wide disparity in these numbers, the jury had a difficult task, and it was made even more difficult by a similar disparity in the feelings and perceptions of jury members, perspectives that were based on the life experiences of each juror.

Some things we could agree on: the proposed $1.3 million seemed too high possibly because we had no data to justify it; no amount of money was going to bring back the deceased; and the family had, indeed, suffered as a result of the patriarch’s death. Beyond this consensus, our differences in opinion were more intense and more emotional.

The jury consisted of two men and four women. Four jurors felt, at first, that the family should receive nothing. The argument centered around considerations like these: if he had died from heart trouble, for example, the family would have suffered the same pain and suffering yet had no one to sue; money does not bring him back or end the suffering; and he had made a choice to smoke, knowing what the consequences might be. These attitudes came from jurors who had suffered significant personal losses of close family members, were veterans of wars, or were smokers themselves. The unwillingness to make Philip Morris pay for pain and suffering caught me by surprise, and I found the arguments difficult to refute.

I have not lost a close family member to cancer. I haven’t been in the military, and I don’t smoke. I personally could easily understand giving the family some sum that was in between the Plaintiff’s and the Defense’s proposals. Having been in a management role in a large corporation like Philip Morris, I knew how little even $500,000 actually is to such a company, and I could easily imagine how they might have been found contributory to the smoker’s death. But I found my suggestions on how to view why they deserved any compensation didn’t carry much weight.

After a heated deliberation, the best we could agree on was close to the Philip Morris number because even Philip Morris had said that $50,000 each was fair. We awarded the children each $50,000 and the widow $100,000. These numbers seemed like a lot of money to the other juror members, so the award seemed fair to them. I felt that I could live with this decision because $50,000 each might be significant to the family, even though I knew it was a drop in the bucket to Philip Morris. Since this verdict, I’ve had time to consider arguments for why and how much this family might have been awarded, but I’m no lawyer and have no idea which of these arguments could be used in a court of law.

My thought going into the jury deliberation was that we could arrive at a number somewhere between what the Plaintiffs were asking for and what Philip Morris stated was a fair amount. I hoped to agree to about $500,000. A number in this range is one that I could justify based on comparing the widow, for example, to what Philip Morris does for its employees if I considered what she would have cost the company in salary, benefits, and overhead if she had worked for Philip Morris for two years. The smoker suffered for a year battling the lung cancer with the widow caring for him, and then she spent most of another year settling matters after his death, so the situation could be viewed as though she were an employee. If other jurors had thought $500,000 was reasonable, we would have had a short deliberation. There are other ways I could rationalize more money than what we awarded.

Alternatively, we might have considered what the typical employee of Philip Morris might receive in compensation, such as life insurance, in the event of a similar death. The widow would have received some benefits if he had been a Philip Morris employee. What does Philip Morris do for its employee upon an untimely death?

But rather than viewing the family as an extension of Philip Morris employees, we might have taken an approach similar to how companies value something known as “goodwill.” Goodwill is an intangible asset that has value above those assets that can be exchanged, bought, sold, and traded. Goodwill can be defined and calculated in many ways, but a couple of simple ways to view it are the following:  1) for a publicly traded company, goodwill value can be thought of as the market value (stock price times number of outstanding shares) minus the value of the identifiable assets or 2) the purchase price of a company minus the company’s assets that have an identifiable economic value. Applying this view of “goodwill” to the family of the deceased smoker is relevant, but still hard to value.

The smoker had an economic value associated with his death, such as lost income, medical expenses, and funeral expenses, but the loss of his companionship to the widow and parenting to the children are part of his “goodwill” as a member of the family. What was the value of his personal goodwill? No one argues that corporate goodwill exists and is valued. Corporations pay millions and sometimes billions of dollars for goodwill. However, personal goodwill and the loss of it from the smoker’s family is not something Philip Morris and the Plaintiffs agreed on. He had no market value or purchase price from which to subtract his hard assets. But this disparity in valuing intangible assets is typical because the value of the asset is always situation dependent. His life meant something very different to his family than it could ever mean to a large corporation. But these obstacles shouldn’t mean that putting a dollar value on personal goodwill should be impossible.

A study of how corporate goodwill is calculated might shed light on ways that personal goodwill could be argued. For example, the value of Philip Morris’s corporate goodwill could be estimated and compared with its economic assets. Perhaps it’s a number like 50% above its hard assets. So then, what if personal goodwill could be estimated as a percent above the economic assets and other quantifiable numbers? Unfortunately, however, I understand from an attorney that none of these arguments is admissible in a Florida court.

Especially in light of the fact that arguments to justify awarding pain and suffering are not allowable in court, determining the specific value for compensation to a family is never going to be easy. Pain and suffering are not on a family’s balance sheet.  But pain and suffering are, however, quite tangible. They may not be a part of economic compensation, but money does alleviate some financial burdens, which also contribute to the pain and suffering. The definition of intangible is “incapable of being perceived by the sense of touch,” but intangibles are capable of being perceived by the heart, and juries should be able to have guidance in determining the value of personal goodwill to award. I wish that the State of Florida would reconsider the law around what is admissible in court.

As jurors, we knew that the lives of the family had been damaged by the loss of the husband and father, even though we never met him, and he was no longer in the picture. The shadow of his presence still stretches out into time in the lives of the family, and maybe, like Benny’s and my shadows, it becomes smaller and distorted, but it is still real nevertheless.

Take A Micro-Vacation: Tips For You Next Vacation Days

Written By PensacolaFlorida.com
Posted on
Categories: Flotsam And Jetsam

Sometimes, I need to relax and rejuvenate—take a “micro-vacation.” Certain places—like the beach or art galleries—give me these micro-vacations. When I sat down to write this post, I realized why, and that water somehow plays a role. At the beach, watching the breaking waves and wading wildlife reaffirms life’s rhythms, and the dynamic, colorful scenes provide endless beauty. Likewise, at art galleries, I also find color and rhythm, even in the abstract. For me, art is like water for the soul, and I feel fortunate to live in a place with both physical water and metaphorical water.

Quick Travels To Pensacola

One oasis for the soul can be found at Quayside Art Gallery, located at 17 E. Zarragossa Street in Pensacola (https://www.quaysidegallery.com/). Recently voted by VIP Magazine the “Best Art Gallery” in Pensacola, Quayside is not the typical commercial art gallery because it’s owned and operated by around 100 local artists. This community of artists has been evolving for more than forty years. These people give it a heart and soul not found in a single-owner gallery. I know because I’ve worked there for a few years and know the artists.

The gallery began in 1973 on South Palafox Street and moved to its current location, the old Germania Firehouse, in 1983. Not only do the artists give the gallery character, but so does the building. Built in 1873, it housed one of Pensacola’s first fire brigades during an era when fire was a serious problem. It even has a history of being haunted, as documented in an article, entitled “Haunted Truck House,” in the Pensacola Daily News, December 2, 1892. The story reports the encounter of two firemen with a spirit or ghost. And strange things continue to happen to this day. Ask any of the long-time members. But for those of you who aren’t interested in ghost tales, the gallery has plenty to offer as the largest cooperative art gallery in the Southeast.

Three floors of art are waiting for the art enthusiast, the casual tourist, or school children. The art is both 2D and 3D in many media and materials: paintings (acrylic, oil, watercolor, pastel, mixed media), drawings, photography, jewelry, stained glass, dyed textiles, wooden items, and ceramic ware. The gallery even has a Historic Quayside Art Gallery Cookbook and aprons. Expect the east end of the first floor to have a special show featuring one or more artists. And the west end contains samples of art from many artists. All of these can be found on the first floor, but that’s not all.

A short second floor has bins of affordable, unframed art. On the third floor are bays of art where each artist has wall space or a pedestal display area. Unfortunately, the building does not have an elevator, so stairs may be a barrier to exploring the second and third floors for those who have mobility constraints. On all floors, one can browse in a calm, air-conditioned, quiet atmosphere—usually.

Special events can turn this quiet gallery into a livelier oasis. Gallery Nights (the third Friday of each month) can draw a couple of hundred visitors. One or more artists may do demos, like turning wood on a lathe or drawing portraits. Non-alcoholic drinks and light snacks are usually available. Other busy evenings are whenever the east gallery show changes, and the exhibiting artists hold a reception. These events are well-attended, possibly helped by the free wine and hors-d’oeuvres. Crowds can ebb and flow with the seasons. In the cooler months when darkness arrives early, the gallery lights and warmth attract people like moths to a flame, especially around the holidays.

Starting in mid-November, the artists adorn Christmas trees with affordable, hand-made ornaments, and many artists choose to display more items, like smaller works of art or creative pieces, which make unique gifts—ones you won’t find at the mall or in a department store. When I work at the desk, I frequently see customers leave feeling that they found a “treasure” for a friend, or for themselves.

Ironically, as I was drafting this blog, a piece appeared in the Pensacola News Journal on Friday, July 27, 2018, about construction workers finding evidence of old wells along Jefferson Street, which runs along the east side of Quayside Art Gallery. Construction by Gulf Power has been underway to bury new power lines and upgrade the downtown power grid. The PNJ article quotes Elizabeth Benchley, director of the University of West Florida Archeology Institute. She says, “The heart of the colonial town was like an island with wetlands all the way around it … we filled all those wetlands with trash and building debris and everybody thinks that this is dry ground.” The article went on to explain how the wells were dug and how barrels were placed in the bottoms to define the well shafts. After the wells fell into disuse, the town residents filled them with trash. This story sounded familiar.

Several years ago, I attended a workshop for writers, artists, and musicians.  One evening, Eugene Peterson, author of The Message, delivered a homily in which he said that creative artists are like Isaac digging out Abraham’s wells. And I thought, “Wait… What?” He explained that in the twenty-sixth chapter of Genesis, Isaac cleaned out the wells that his father, Abraham, had originally dug. The Philistines had filled them with dirt and garbage so that they no longer held water, a necessity for life. Eugene’s point was that our modern lifestyle can fill our spirits with garbage, and the creative arts help to remove that “garbage” so that “water” can flow in.

For me, Eugene’s metaphor is so true because, coincidentally, Pensacola’s “Best Art Gallery” is located along a street that used to contain wells that were then abandoned and filled with trash. But now in modern times, the wells are being excavated while the artists at Quayside are attempting to push aside our social garbage and supply Pensacola with that much-needed “water for the soul.” If you have any interest in art, it’s a place that can give you a micro-vacation. Its hours of operation are Monday through Saturday 10 a.m. to 5 p.m. and Sundays 1–5:00 p.m., phone (850) 438-2363.

N. J. Schrock
Website: njschrock.com
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