This is a realization of a long-term project that must be born earlier this week. The association Optics solidarity launches on Monday the "pass glasses." A device that should allow seniors whose financial resources are too thin to allow them to purchase a mutual good, to provide appropriate spectacles from their view. 8,000 to 10,000 people, aid recipients in the complementary health throughout France, and should soon receive a voucher to enjoy a fitness trail at cost, including consultation with the ophthalmologist, and the purchase glasses with progressive lenses from an optician.

No low cost

"We are working on this project for three years," says Xavier Subirana, ophthalmologist and president of the Optical solidarity. He says the idea inspired by the HEC Chair "Social Businee / Enterprise and Poverty" as co-chairs Martin Hirsch has mobilized the entire industry. "Danone is one of the pioneers of social business, but in this case we thought it was much more efficient to use the entire industry as a business." To date, 13 additional health (including AG2R La Mondiale, April, Groupama …), 500 opticians, Essilor as industrial and ophthalmologists have concentrated their power to facilitate the implementation of the concept. "It's not a charity that requires a donation. Here people pay for their glasses, "says Nicolas Lambert, owner of Essilor France. Ultimately, the patient should spend at most a few dollars instead of 300 euros today. "This is an innovative business model where one neither gains nor loses money. And this is not the low cost, says Xavier Subirana, people buy the raw material and technology. Everything else is covered by the efforts of the margins at various levels by the industry. The doctor's visit is to be discounted fully refundable. " For now, Nicolas Lambert admits even Essilor making losses. To produce the lenses, and assemble the eleven models of glasses offered by the pass, the company is including operated its plant in Toulouse outside normal production hours.

140,000 persons concerned

But to make the project a success, we must know the device. Tested later this year in Marseille, the "eye pass" has proven its usefulness but also revealed the difficulty of reaching the target. "We know that some seniors throw good because they think it is an advertisement," lamented Xavier Subirana. As such, the role of complementary health is important because it is they who must identify people who can benefit. "The more mutual partners in the project will increase the more we can touch people," says association president. Discussions are also underway with new complementary. The first patients in the Paris region should get their equipment in early June. It will be a little longer for the province because of the smaller number of ophthalmologists. Then a second phase will be launched by the end of the year. Eventually 140,000 people should benefit from "pass glasses." In addition, the partners hope that their initiative will give ideas to other sectors.

Wal-Mart is no stranger to litigation. The last internal investigation by the world's largest distributor could well become a new folder in the long term. In a document submitted to the U.S. stock market authority and revealed Friday, the group admitted that the corruption scandal that it faces is not only its Mexican subsidiary. The case was initiated by an article in The New York Times on April 22, which stated that Wal-Mart had concealed having used the large-scale corruption to grow in Mexico.

Fines, injunctions, orders of suspension …

The board of directors of Wal-Mart seeks in particular to determine if the group has broken the law on foreign bribery (Foreign Corrupt Practices Act). "Although the company does not currently believe that these problems can have a significant negative impact on its operations, given the uncertainties inherent in such situations, the company can provide no assurance that these problems will not have to substantial impact on its activities in the future, "admits Walmart. The retailer believes it can be of "one or more lawsuits on this issue", which could result in "judgments, settlement agreements, fines, injunctions, orders termination, sentencing and other criminal penalties."

"The complaints of shareholders could result in judgments against its directors and current and former officials named in these proceedings," he says. One of the key executives of Wal-Mart, Eduardo Castro-Wright, is particularly targeted because he led the rapid expansion of the teaching in Mexico and would have paid $ 24 million in bribes, kickbacks to local officials. Thursday, Wal-Mart announced a net profit of $ 3.7 billion in the first quarter, up 10% thanks to higher sales in Brazil, the UK and also in Mexico.

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Right in his boots but educational. Thierry Thuillier, head of information of France Televisions, did not intend to change its course despite the confidence motion addressed to him by writing nationale de France 3 on Tuesday night. The latter accused the group of "systematically favor France 2 on the pool coverage of political events and international." Similarly, she worries about the consequences of "pooling of resources between the two shooting strings."

If he does not deny the importance of the message, the strongman of the information of France Televisions prefers to explain without giving up the strategy adopted two years ago. "There is unease should be dispelled," he concedes. "Every two years, part of the national drafting of France 3 raises the question of its identity and its future and concludes with a confidence motion. However, our strategy can not evolve because it is consistent and the results are there. "It reaffirms that" there is no question of reducing the national writing because we are already at minimum staffing possible nor to remove these editions essential if only for a matter of status for France 3 ". Moreover, he recalls, "hearings are" 19-20 "are above the 17% audience share. More than double the average chain. In two years on this installment, we gained 400,000 viewers while everyone loses. "

An editorial in France own

3 When the "12-13", accused of "making of Jean-Pierre Pernaut" Thierry Thuillier advance even numbers: "He is accused of making too many news items? But this represents only 5% of these newspapers, "he says cash advance now. Thierry Thuillier continues to claim the editorial line-up to France 3: "It may not be the same as that of France 2. Because it is the color of the chain, we decided to focus the second parts of JT on proximity and daily life of the French. I do not think about transportation, education and all issues that cross the life of the French in the sub-word! "He said that" France 3 teams also cover major international events. "

There remains the puzzling question of bad election nights of hearings on France 3. For the leader, "the real political event in the chain regions is less presidential than legislative. With 24 regional editorial, it would be wrong not to enjoy it! ". Finally, inherited Thierry Thuillier, on his arrival two years ago, a unique company already under way and a pooling of resources "theory, but to achieve": "The latter, he says, has helped create more than 200 reports over three minutes, and reduce by half the subjects redistributed.

Moreover, the shootings have in common the last month shown that 10-15% of the subjects of France 3. In all cases, the budget gives the group does not return to the system yesterday when France Televisions reached five cameras on the same press conference, "he concludes.

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The happiness of others is felt as an insult when you yourself are in trouble. The relatively strong expansion of the German economy (2% annual rate in the first quarter) in contrast to the recessions of most other major countries (by population), plus Portugal and Greece. As for the zero growth of the Hexagon, it confirms his usual center position, if not congenital ambiguity.

It is no longer "Deutschland über alles", but "alles ohne Deutschland" (Germany without the other), thinks it by reading the 2012 first quarter results released Tuesday by Eurostat. And this singularity is disturbing: it appears that healthy Germanic fail to get out of the rut Euroland.

This justifies the environmental diagnosis of Francois Hollande, advocating a form of stimulus. And already, as the Bundesbank that Wolfgang Schäuble, the finance minister, admitted that Germany should agree to have more inflation than southern Europe, and higher wage increases.

Will this be enough to call it the euro area growth on orbit? The consumer of Munich can give work back to the outskirts of Lisbon? The question is what he could buy them. And this is where things get complicated.

Historical-cultural syndrome

When we look more closely at the 2012 first quarter GDP in Europe, it is clear that Slovakia (0.8%), Finland (1.3%) and Belgium (0.2%) fared rather well. Only the Netherlands in recession, are missing. We know they are victims of the bursting of their bubble and household debt Batavian. Otherwise, all the satellites of Germany, what some call its subcontractors, this meet. And the map taking shape before our eyes is practically that of the Holy Roman Empire, which brought together the Mitteleuropa of northern Italy to the Baltic, from 962 to 1806. Napoleon until the final unraveling, which earned us the title since then, ironically, the "Grande Nation" across the Rhine.

This geography is often invoked today by eurosceptics in France. They believe that the euro should be limited to the former Holy Roman Empire, which certainly included northern Italy, but which will never France or the Iberian Peninsula. This historical-cultural syndrome keeps his weight when we see, for example, how Mario Monti, a native of Lombardy, is working to convert all Italy to Germanic culture.

Clearly, to benefit the motor industry across the Rhine and its market, the first in Europe, it should share its values ​​management and be competitive. Again, the performance of German foreign trade – the largest surplus in the world, all nations combined – are instructive.

That China has become the main supplier (to the Netherlands, then France) demonstrates the wonderful integration of Germany into globalization and its thirst for the open sea. However, we remain French their first customer, and the Franco-German balance, € 35 billion, accounted for half of our overall deficit in 2011. It is a sacred chasm in the Franco-German couple, so-called engine of Europe. The bad boy can he blame the top of the class for being too good?

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New trial for Yahoo!. The U.S. internet group announced Sunday it had appointed a new temporary chief executive, Ross Levinsohn, replacing Scott Thompson less than five months after the arrival thereof at the head of the company. "Scott Thompson left the company" Yahoo! justifies no further details. The group further states that Fred Amoroso has been named president of the board to replace Roy Bostock.

This change in the leadership of a pioneering Internet companies, now embattled, was announced a few hours after the release of information on the site dedicated to news reports All Things Digital. The article reported an imminent departure of former CEO in the wake of a controversy provoked by the discovery of falsification of his CV. A few days earlier, Patti Hart, director of the group, had also been forced to leave the band for the same reasons: she had embellished his CV.

According to All Things Digital, the reason for the "abrupt departure" is only due to the activism of hedge fund Third Point, a leading shareholder of Yahoo! with 5.8% stake. A shareholder who has been trying for several years to gain seats and influence within the board had asked the head of Scott Thompson. And the fund has been successful. In fact, Yahoo! has agreed that the boss of Third Point, Daniel Loeb, and two persons selected by him, Harry Wilson and Michael Wolf, are seated on the board from Wednesday. The Board is pleased to announce these changes and this agreement with Third Point, and is confident they will be in the best interests of our shareholders, "we read in Yahoo! News.

The group did not, however, extends the strategy it intends to follow in the future, simply stating that "in as interim CEO, Ross Levinsohn will direct the day to day running of the company, helped by the existing team of executives from Yahoo! ". This last Sunday was up global director of the media branch of Yahoo! It is the fifth CEO to take the reins of the group in five years. The question is whether Yahoo! will manage to raise the head above water.

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Decidedly, this championship spares nothing to Olympique de Marseille. After a disappointing season sportingly (OM is currently 10th in the league), players of the club will play their final game next Sunday of the season against Sochaux with a misspelling in the back! That is the conclusion yesterday after the presentation of the shirt "Third" of the OEM Adidas club, created by singer Akhenaten – leader of the rap group IAM-1990s – and the Argentine sculptor Pablo Reinoso. A tunic dedicated to the European Cup with the distinction of being reversible: when you turn the black jersey, it turns orange.

"The grammatical rule is not obvious"

Orange, it is thus that the error happens. Worms designed by the rapper star of Marseille have a spelling mistake. They are found enrolled in upper back: "And our hearts are orange, as are the waves at sunset." But the word "orange" is not consistent when used as an adjective. This is the case here. This departure from the French language cover only one of three new models, and is invisible to a spectator from the stands. It must indeed look very closely intertwined worms to distinguish this "s" too. "We assume that fault, reacted Emmanuelle Gaye, spokeswoman for Adidas. This grammatical rule is not obvious and, I imagine, was not known to all French. "He added:" As in any international company, the production line is long between the designer and the head of product no credit check payday loans. We are looking where the error occurred. Most surprising is that the first prototypes did not include error. "

Already on sale

Still, this error is a problem, the shirts have already been sold in shops of the club. "From the moment the product is not defective, it remains for sale, says Emmanuelle Gaye. We are considering how to rectify the error. "At Adidas, an estimated" tens of thousands "tunics with the misspelling, knowing that the OM annually sells 400,000 jerseys

. ..

Already mocked by fans for its color, away from the traditional blue and white Om, this shirt could thus see his popularity decline even further. What threatens the sales potential of these tunics. At 90 euros a basic version, some fans will likely require a perfect model. Unless an effect "collector", which would encourage them to rush on jerseys-like limited edition … "It is unclear what impact this will fault on our sales, concludes Emmanuelle Gaye. But the jersey is a favorite with players and supporters. "

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"The Blues abandon their marinara

Imagine that the "Greek Mélenchon" Alexis Tsipras, took power in Athens. The charismatic leader of the far left Syriza hoisted his party to second place in Sunday's parliamentary election. It may well prevail during the next legislative likely in early June. But Alexis Tsipras advocates stopping the austerity and maintenance in the euro area. Problem: he can not have one without the other.

Immediately canceled the cuts, the International Monetary Fund and the European Union would cut funding to the Greek State. However, it turns through a continuing infusion of tens of billions of euros paid by its partners. Credit Suisse has calculated that 143 billion had been paid from 2010 to today. Athens also expects a further payment of 5.3 billion euros. If the bailout fund approved this assistance, it nevertheless reduces the amount of one billion that has been blocked for a possible payment in June.

Without this money, the Greek state would be bankrupt by the end of June The government could fine delay payment of his bills, he could no longer pay civil servants and pensions, spending a few weeks. The State could not repay such 25 billion of debt held by local banks. Another blow to these institutions, themselves deprived of their infusions so far granted by the European Central Bank (ECB). Failing banks, companies can no longer pay their employees who would join in the street and retired civil servants too dry.  

The return to the drachma

At one point during the summer, to prevent the situation from worsening, the government would be forced to issue its own currency to pay his debts and wages. One way or another. "Greece could opt out of the euro area if it was unable to resume growth by remaining in it, and if severe measures were undermining the commitment to the European idea, or if the populists came to power," summarizes the rating agency Fitch. The risk that such a scenario occurring is difficult to assess. Credit Suisse analysts estimate it at 15%, those of the U.S. bank Citi from 50% to 75%.

The cure would be worse than the disease. "Greece would live a financial collapse and recession far worse than it is now experiencing," warns Willem Buiter, chief economist at Citi. The country's economy would probably collapse in half, according to Stephane Deo, an economist at UBS.

The euro would probably be replaced by a return to the drachma, the former Greek currency. If the government decides to start a drachma equal one euro, this parity would not last. Runaway inflation, massive flight of foreign capital … very quickly, the new currency would not be worth much. Eventually, the Greeks could buy with a dram about half of what they previously available with the euro, said Patrick Artus, chief economist at Natixis.

Ruin savers

The falling value of the drachma by 50%, the price of goods purchased abroad, so foreign currency, oil to the iPhone, would double. However, Greece is a country that imports more than it exports. Companies would face enormous difficulties with their foreign suppliers. At the same time, investors would be ruined, their euros have been converted into drachmas at the exit of Greece in the euro area. In contrast, debt, starting with the State, would gain: their claims would melt as the drachma collapses.

The crisis is broadcast in parallel in the rest of the euro area. Athens could refuse to honor its debts as planned by its partners. At stake, more than 143 billion euros granted by international institutions since 2010, according to calculations by Credit Suisse. Banks, insurance and other private foreign investors would be affected only to the tune of 36.3 billion euros, according to estimates by UBS.

However, these are not the direct loss of most concern. The greatest risk, but also the greatest unknown, lies in the domino effect caused by the event. "A taboo is broken, the output of a country in the euro area," said Willem Buiter. The extent of the disaster would then depend on the ability of other European states to seal the crisis. There are divergent views. Some, like Fitch, believe that the contagion-proof tools exist, such as financial firewall 500 billion euros. And displayed a strong support to other countries in difficulty, coupled with greater integration of the area, the last calm fears.

More pessimistic, other observers expect a response too little too late in the Member States in case of contagion. As was the case until now, they said.

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One hundred billion a year. The evaluation by the European Commission of savings possible through new technologies during the bidding for public procurement in Europe is surprisingly important. These sums, which may feed into major investments, according to Brussels are at hand as the "all-mail" will be the rule in mid-2016 during the procurement in all countries of the European Union. It will be a challenge: currently only 5 to 10% of procedures for awarding public contracts in the EU are conducted electronically.

"This estimate of 100 billion euros based on a conservative estimate, says an expert from the Commission. It is based on a 5% decrease in the cost of the project, which is a minimum. The total amount of bids that meet the business is very important since it represents 20% of European GDP. "Brussels estimated the total value of public procurement to 2000 billion per year.

Brussels, referring to a Dutch study, estimated at 8,500 euros on average lower technical costs (postage, etc..) Achievable at each tender faxless payday advance. Moreover, the use of e-procurement methods practiced by large companies for a dozen years for their supplies, would actually put pressure on prices up to 20%.

The example of South Korea

Companies, especially SMEs, more aware of the auction would be held and many more to participate and, hence, the estimate would be dragged down. "An extrapolation made from several concrete examples of building hospitals in Portugal found that the gains could reach up to 18%, we preferred to retain more modest ambitions," says one in Brussels.

The Commission itself will only use new technologies in mid-2015, a year before the deadline of mid-2016 imposed on Member States as part of the modernization of European directives of 2011 on Public Procurement. In a communication to the European Parliament especially in April, the Commission highlighted the example of South Korea, a pioneer in this field. Using a platform of public procurement, saving this country since 2007 some 4.5 billion per year (8% of total procurement).

It is a blow to Angela Merkel. German Chancellor has lost Sunday night for its closest ally to win against its European partners in managing the crisis of the euro. The defeat of Nicolas Sarkozy, she has supported all the way, is also a bit his. However, his political career attests: Merkel is good at adapting to new realities. It's been several weeks since his team is preparing for a possible victory of Francois Hollande. The Socialist no longer afraid to Berlin. His first phone call on Sunday night was to be for the Chancellor.

Francois Hollande was pretty irritated the Germans during his campaign by promising not to ratify the treaty in the state of budgetary discipline. The Socialist candidate would include a component of measures to support growth, including on the funding at European level of environmental or industrial projects. Merkel replied curtly that there would be no renegotiation of the text, regarded in Berlin as the culmination of his vision of a Europe steeped in the "stability culture" Germanic. Before making a small step towards Holland stating that the EU was preparing a "growth agenda" for the top end of June

Holland, who said he wanted to be part of the Franco-German tradition by making his first trip across the Rhine, is expected in Berlin this weekend or early next week, following his inauguration. It is expected to meet informally with the Chancellor of how to amend the treaty. Merkel wants to prevent the initiatives to support growth would delay its ratification. To circumvent the risk of isolation, she has already joined the Italian Mario Monti. And it seeks to gather around their tandem a significant number of twenty-five countries signed the treaty to ratify the text without waiting for France.

Berlin wants to believe qu'Hollande will find a "pragmatic solution", according to a memorandum of discussions between the team of the socialist candidate and German diplomats, quoted by the media across the Rhine. "Holland and his team want to be part of the continuity of the Franco-German working for Europe," said the note. For several weeks, Michel Sapin, author of the economic project of Holland, and Jean-Louis Bianco try to reassure the Chancellor through contacts with his closest advisers. On both sides of the Rhine, we want defuse "hiccups" that perfect storm of the euro, would be immediately punished by the markets.

Of "painful truths"

Merkel's entourage insisted on the red lines of the Chancellor. The introduction of Eurobonds is still a taboo in Berlin. As a stimulus to growth by an extensive program of public spending. Germany believes that its model of structural reforms is the role model for Europe. And she hopes qu'Hollande be satisfied with a symbolic boost to growth. For Berlin, the Socialist candidate's campaign promises are not set in stone. And he would realize that he will announce "painful truths" to the French early in his term. Germany feared above all that the arrival in power of Holland bury any desire for reform in France. And having to wear one at arm's Europe and the single currency. Holland "judge superfluous needed economic reforms, pension and labor market, laments the Bild newspaper in an editorial. The French economy unscrews. If Holland looks away, she will continue to fall. While Germany is alone without strong partner with a big question mark next to the euro. "

Somewhat reassured by his contacts with the Dutch team, led by Berlin is one hope: that economic realities and uncompromising market pressure will convince the French Socialist turning into a Social Democratic German inspired.

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Inquire in advance about the possibility of coming with his dog or cat at his place of residence during the holidays is essential. Be "setting up" at the last moment would very likely ruin the months to prepare for the holidays!

Some places such as hotels or campsites may well refuse. It depends on the rules of each institution.

For accepting the campsites, it will usually be asked whether the dog is properly vaccinated, including against rabies. The health record or European passport certifying the animal's will to put in the luggage. Even if rabies vaccine is not required on French territory, it is still strongly recommended. Not least by runaway of the animal.

Also in the campsites, the dog must be leashed and cats must not roam free. Some campsites also refuse the dogs "dangerous" as defined by the law of January 1999 (dogs first and second category). Those accepting them will oblige the masters, as required by law in public places, to silence their companion when he is among the other residents. Teachers should also have all the documents required by law, including possible detention, the statement of the animal at the town hall of residence or the certificate of liability insurance.

Unlike animal health insurance, which will be refunded in case of accident or illness of the animal during the holidays and whatever the veterinarian consulted, liability insurance is for its part if the animal is causing damage.

The "puzzle" leases

Degradation, pollution … this is what most fear the "renters" faxless pay day loans. Some also refer pet hair that may be responsible for allergies among holidaymakers taking over a rental after the passage of previous occupants, owners of an animal.

For rentals, everything is played on a case by case. In 2011, a consumer association had obtained the annulment of the prohibition of a dog, cat or other pet in the drafting of leases rentals. Why she had invoked a 1970 law prohibiting the possession of excluding a pet in residential leases generally. The Court of Cassation had ruled. Thus, owners could well override any prohibition. Well written, it became an illegal clause. Once an animal or causing degradation or gene – as should be the case regardless of where the teachers stay – so it was forbidden to forbid the owner!

Law backed down

Reverse: Article 96 of the law of "simplification of the law" came back in early 2012 on the ban. It now allows the owners of apartments seasonal tourism to prohibit the presence of a dog or cat or other pet.

Only possible for furnished rentals seasonal tourism. Tenants of an unfurnished or furnished accommodation that is not characterized as a rental of tourism can not prohibit the presence of a pet.  

So many reasons for teachers preparing their holidays to learn about the type of tenancy they hear and deal … always ask very clearly if the presence of a dog or cat is allowed.

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