Risk Management

**\#\#\# Thinking of Buying or Starting a Business?** Want to buy an **existing business** or start one—but unsure about 💰 financing, 🏦 mortgages, or the buying process? Join this **casual, no-pressure meetup** where we’ll: * Walk through **real businesses currently for sale** * Discuss **how financing & mortgages work for business buyers** * Break down the **step-by-step buying process** * Answer real questions (no sales pitch) Perfect for: ✔️ First-time business buyers ✔️ Entrepreneurs & investors ✔️ Anyone exploring business ownership in Canada LOCATION: Yonge Sheppard Centre- Second Cup in FOOD COURT - GROUND FLOOR Questions? **Sami: +1-647-581-6588**

This **SR&ED general information webinar** will provide an overview of the program. We will guide you through the eligibility criteria, qualifying expenditures, and the free tools and services offered by the CRA. * Jan 20, 2025, 1 pm to 3 pm ET – English session I would suggest if you own a business and want to receive government funding for your project, thinking of starting a business to learn how you can form your business for maximum benefit, or wish to provide grant writing services to your clients. There is no charge to attend. Registration is required, as space is limited. To register: https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-support-services/sred-webinars.html If you are a member of LeaderSHIFT, you will receive a detailed package with samples and a detailed guide at no cost. Click on attend. Some tools to help members: * [Pre-claim consultations](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-support-services/pre-claim-consultation.html?utm_content=2025-05-13_0193&utm_term=SSV) that allow eligible claimants to work with an SR&ED specialist to determine if their project contains SR&ED work before they submit a claim; * The [SR&ED outreach program](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-support-services/sred-outreach.html?utm_content=2025-05-13_0195&utm_term=SSV), which offers targeted sector-specific presentations and one-on-one presentations to businesses, in addition to hosting general information webinars. We also provide accessible digital resources to help businesses determine their eligibility, calculate expenditures and prepare their claim. These tools include: * The [Self-Assessment and Learning Tool](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/self-assessment-learning-tool.html?utm_content=2025-05-13_0197&utm_term=SSV), which helps claimants find out if their work is likely to qualify for SR&ED tax incentives and estimate their potential claim amount in about 30 minutes or less; * The SR&ED Client Portal, available within [My Business Account](https://www.canada.ca/en/revenue-agency/services/e-services/digital-services-businesses/business-account.html?utm_content=2025-05-13_0199&utm_term=SSV), which is a secure, one-stop workspace designed to support claimants throughout the claim process. ## Learn about the program * Register for an upcoming [SR&ED webinar](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-support-services/sred-webinars.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0248) on Sept 16, 2025 (English session) * [Contact us](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/contact-sred.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0258) to book a tailored one-on-one outreach session * Refer to our [annual program statistics](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/annual-program-statistics.html) web page for updated 2024 to 2025 program information * Visit our [multimedia gallery](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/multimedia-gallery.html) for infographics, videos, and a podcast feature ## Find out if your work may be eligible * Refer to our eligibility of work [guidelines](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-policies-guidelines/guidelines-eligibility-work-sred-tax-incentives.html) * Use our quick and easy [Self-Assessment and Learning Tool](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/self-assessment-learning-tool.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0254) * Request a [pre-claim consultation](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-support-services/pre-claim-consultation.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0256) for a project that is either in-progress or completed ## Prepare your claim * Follow our [step-by-step guide](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/sred-claim.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0260): how to prepare your claim * Use the [SR&ED Client Portal](https://www.canada.ca/en/revenue-agency/services/e-services/cra-login-services.html) within My Business Account to start building your claim * [Contact us](https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program/contact-sred.html?utm_source=Mailbox&utm_medium=External_Email&utm_campaign=No_Signature_Corporate_item+CPB+SRED&utm_content=2024-10-22_0258) to speak to an SR&ED specialist

Join us for friendly American MahJongg! Bring your 2025 card and let’s have fun 😀 For 2026, I am requesting $15 dues for the year, payable to Sabie by e-transfer or cash. *Not sure if our events are for you? Come on down and join us a few times (before paying dues), we’d love to meet you.* **NOTE: The Guild House charges a $10 table fee per person to play each week. The drinks and food you purchase will count towards this so if you buy a latte for $5, then you will just pay $5 more (+ HST) for the table fee. See Sabie for details on discount available if this is a burden.** \*Stay & Play—To maximize everyone’s fun, I ask that you attend for at least 2 hours if you sign up to play. Kindly skip this week if your schedule will not allow this, thanks! The Guild House has a great cafe! [Here's their menu.](https://theguildhouse.ca/pages/menu) Last but not least...PLEASE cancel your RSVP on Meetup if your plans change.

**Registration Instructions** **NOTE:** Meetup RSVPs are closed - to attend, you must register on the [Luma event page.](https://luma.com/3t3zfu21) **Agenda** 6:00-6:30 PM Arrivals and Networking 6:30-7:00 PM Tech Talk #1 7:00-7:30 PM Tech Talk #2 7:30-8:30 PM Networking & Wrap-up 8:30 PM Tear-down and Departures ​**Talk #1** Jonathan Watson, Bosun AI Strategies *\- A Thoughtful Perspective on the AI Boom: Misallocation Rather Than Bubble* A recent macro analysis offers a measured view on the massive investments flowing into artificial intelligence. While acknowledging the genuine progress—strong revenues, rapid growth, and real demand—it suggests we may be witnessing not a classic speculative bubble, but a significant misallocation of capital that could limit AI's full potential. ​Drawing from economics, physics, and observations of enterprise adoption, the piece highlights four structural challenges in the current approach to building AI infrastructure. These issues, if unaddressed, might temper some of the current optimism. ​For those following AI's development, this perspective is shared in the spirit of constructive discussion. It may prompt useful questions about the path ahead and encourage a balanced view of the opportunities emerging in this fast-evolving field. **Talk #2,** John Wilder, Assistant Teaching Professor and Academic Lead of Applied AI MPS Assistant Teaching Professor at Northeastern University - *Comparing human and artificial neural networks* ​In machine learning, a common way to measure differences is to find the difference between two vectors (L1 or L2 distance) or the angle between two vectors (cosine similarity). How can we compare systems that represent the same information in a different way? For example, when there is no feature correspondence between two vectors or even with the vectors are vastly different sizes, can we determine if they are representing information in a functionally similar way? I will present how I compared the human visual system to an artificial vision system, specifically a convolutional neural network (CNN). ​ Both the human visual system and CNN process visual input in stages. The goal of this work is to compare the stages of the different systems to one another, but there is no correspondence in the representations of the different stages or the different systems. For example, there are 125 million neurons in the retina alone, while VGG16 has 138 million neurons total. I will demonstrate how to use representational similarity analysis to allow for a comparison of these different representations. While I use this technique to compare the human brain to an artificial neural network, they are broadly applicable to comparing representations from any systems, such as different architectures of artificial neural networks. **About the Speakers** ​[Jonathan M. Watson](https://www.linkedin.com/in/watsonjon/) is a strategist and futurist focused on macro-economics, distributed systems, and infrastructure investment. His work examines how physical constraints—especially latency, energy, and scale—shape which technologies succeed and which capital cycles misfire. ​Drawing on a background in global media systems and technology strategy, Watson studies the growing mismatch between hyperscaler investment models and the real requirements of edge and real-time compute. He writes and researches independently, sharing frameworks and lessons learned rather than predictions, with a perspective shaped as much by setbacks as by success. ​[Dr. John Wilder](https://www.linkedin.com/in/john-wilder-309809207/) is the faculty lead for the applied AI program and an assistant teaching professor for the analytics program at College of Professional Studies at Northeastern University. He previously served as a lecturer for Northeastern’s Khoury College of Computer Science. John has a history of working on interdisciplinary research in Cognitive Science, Neuroscience, and Computer Vision. His previous positions include a research associate at the University of Toronto and a postdoctoral fellow at the Centre for Vision Research at York University. John earned a PhD in Cognitive Psychology and an MS in Computer Science from Rutgers University. Outside of academia, he has worked as an independent developer of virtual reality software for optometrists. Other interests include board games, canoeing, camping, and reading. **Many thanks to our supporters and sponsors!** We'd also like to acknowledge our venue partners, [Northeastern University](https://toronto.northeastern.edu/), for generously providing their amazing space for the event and [PRAKTIKAI ](https://www.praktikai.com/)for making the event happen. ​​**Speak or Support MLTO!** We are always looking for new speakers and sponsors to share their knowledge and help build the AI community in the GTA! If you are interested please get in touch directly or apply via one of the links below: \- Speaker Application Form: [mlto.ca/speak](http://mlto.ca/speak) \- Sponsor Inquiry Form: [mlto.ca/sponsor](http://mlto.ca/sponsor) \- Volunteer Application Form: [mlto.ca/volunteer](http://mlto.ca/volunteer)

Do you want to improve your Public Speaking skills, your Impromptu Speaking skills, learn how to present Feedback with Evaluations, and build your Leadership skills? If the answer is YES to any, attend SUN LIFE SPEAKERS CORNER online for an informative and fun filled session each Tuesday at Noon EST/EDT (except following a Holiday Monday). Guests/Visitors are welcome to participate in the Table Topics (impromptu) session. Join and become a Member to have access to all roles and Pathways, the education system. Please email info.sunlifespeakerscorner@gmail.com for the Zoom link.

**THIS WILL BA A BI-WEEKLY EVENT TO CHAT, LAUGH, AND GET TO KNO**W EACH OTHER. NO PRESSURE TO ATTEND - JUST VISIT OR DROP IN...(members only please) ***Be kind and rsvp so that the host knows how many tables to save.*** **Anyone that is not a member will be asked politely to leave and apply to TSSC if they so choose.** Bring yourself and your sense of humor. The group can decide it's own agenda of chat after a few meetups. I know it is difficult NOT to talk about politics or religion, but we are a social group whose premise is fun! As tempting as it can be, please restrain and stick to topics less heated. SEE **YOU AT 2PM.** THANKS FOR HOSTING JIM!

***This is a paid event ($5 general admission, free for students & job seekers) with limited tickets - you must [RSVP on Luma](https://luma.com/zd29ibx6) to secure your spot.*** ​***Adversarial robustness remains a key concern in AI safety, with many interventions focusing on mitigating models’ capabilities to assist in harmful or criminal tasks. But how do LLMs behave in sociopolitical contexts, especially when faced with ambiguity?*** [​Punya Syon Pandey](https://www.linkedin.com/in/punya-syon-pandey-548532218/) will discuss research on accidental vulnerabilities induced by fine-tuning, and introduce new methods to measure sociopolitical robustness, highlighting broader implications for safe societal integration. ​**Event Schedule** 6:00 to 6:30 - Food and introductions 6:30 to 7:30 - Presentation and Q&A 7:30 to 9:00 - Open Discussions ​​​​If you can't make it in person, feel free to join the live stream starting at 6:30 pm, via [this link](https://www.youtube.com/@Trajectory-Labs/live).

Flourish is the ultimate one-day retreat to spark transformation and manifest your most successful life and business in 2026 **\-\-\-\-\-\-\-\> Get 50% off tickets for this event as a member or by signing up for a FREE 30 Day Trial of the Wellpreneur Club\!** https://hhwglobal.com/products/wellpreneur-club **OR Purchase a ticket on this page without a membership.** Join us at the HHW Headquarters for an empowering day of growth, connection, and inspiration with the Happy Healthy Women community. Designed to guide you on a step-by-step journey toward your most aligned and thriving self, *Flourish* is the ultimate one-day retreat to spark transformation and manifest your most successful life and business in 2026. Through a curated lineup of talks/workshops led by inspiring speakers, you’ll explore new ways to elevate your mindset, align your vision, and create a roadmap to achieve your goals. You'll leave the day equipped with clarity, confidence, and a ***[2026 Beautiful Business Planner](https://hhwglobal.com/collections/all-collections/products/beautifulbusinessplanner-2026)*** and HHW Tote bag **(included in your ticket)** to keep your momentum going. ✨ **What to Expect**: * **Interactive Sessions**: Dive deep into topics like mindfulness, goal setting, business strategy, and self-care. * **Your Beautiful Business in 2026 Mapped Out:** Use your new [2026 Beautiful Business Planner](https://hhwglobal.com/collections/all-collections/products/beautifulbusinessplanner-2026) (Included with our signature HHW Tote bag in your ticket!) to clarify your goals and strategize your success * **Inspiring Speakers**: Learn from women who’ve mastered the art of aligning, thriving, and manifesting success. * **Community Connection**: Network with like-minded women on the same journey of growth and empowerment. * **Lunch, Snacks, and Beverages:** Nourishing, Plant-based food to keep you feeling grounded and well all day. * **Yoga Class:** Take care of your mind, body, and business * **Aligned Marketplace:** Vendors sharing items designed to help you feel good and flourish. * **Gifts & Surprises**: Upon arrival, every attendee will receive a *2026 Beautiful Business Planner -* your essential tool for designing your most successful year, along with prizes throughout the day and swag. Let’s create a life and business you love. Together, we’ll align, thrive, and manifest your vision into reality. **TICKET INCLUDES:** * Snacks, Beverages, and a Nourishing Plant-based Lunch catered by the amazing [NourishMoi](https://nourishmoi.com/) * [The Beautiful Business 2026 Planner](https://hhwglobal.com/collections/all-collections/products/beautifulbusinessplanner-2026) & Tote bag - **[Click here to view!](https://hhwglobal.com/collections/all-collections/products/beautifulbusinessplanner-2026)** * All Speaker Sessions and Yoga (optional) * Networking, Connection and HIGH VIBES All day! **SPEAKERS:** [Kelly Hetherington - The Art of Identity Embodiment](https://hhwglobal.com/products/kelly-hetherington) [Josephine Carmela - Your Sacred Yes](https://josephinecarmela.com/) [Natalie Colalillo - Upgrading Your Life & Business](https://hhwglobal.com/collections/branch-directors-1/products/natalie-colalillo-global) [Tracy Lee - Clarity: From Noise to Knowing](https://www.traceyleeliving.com/) **MOVEMENT AND MEDITATION:** [Elizabeth Flemming - Morning Yoga: Gentle Movement & Visualization](https://www.instagram.com/journeytotheinsideout?igsh=MXVqczZwOXQ2cWgyZw%3D%3D) [Michelle Hillier - Breath & Fire Movement](https://www.breathandfire.com/) [April Miranda - Reiki Infused Meditation](https://www.holisticconnection.ca/april-miranda-delos-reyes) **VENDORS:** [Something Sweet by Sarah](https://www.somethingsweetbysarah.com/) [Serif+Soul Jewelry](https://www.serifandsoul.ca/) [Francesca Rea - Divine Wealth](https://francescarea.com/) [Ann Sirenko - Metabolic Balance](https://www.metabolic-balance.ca/team/ann-sirenko) [Diana Alvarado - Menopause Coach](https://dianaempowered.ca/) **LOCATION:** Happy Healthy Women Head Office 146 Thirtieth St Suite 100, Etobicoke, ON M8W 3C4 **Doors open at 9 am** This event is in support of the Shoebox Project, supporting women impacted by homelessness. Proceeds from our raffle will go towards our shoebox drive in 2025. [https://www.shoeboxproject.com/](https://www.shoeboxproject.com/) **\-\-\-\-\-\-\-\> Get 50% off tickets for this event as a member or by signing up for a FREE 30 Day Trial of the Wellpreneur Club\!** https://hhwglobal.com/products/wellpreneur-club **OR Purchase a ticket on this page without a membership.**

Hello Everybody! 【College Park food court is closed again, so we change the location to the food court in Brookfield Place（181 Bay St., Toronto, ON）, near the Union Station.】 I am helping organize a mandarin-english language exchange downtown. If you want to improve your Mandarin/English, feel free to come by downtown and meet others to practise your language. There will be native Mandarin and English speakers to help you! Or you can share your language skills with others! Every Saturday 3:00pm-5:00pm Brookfield Place Food Court（181 Bay St., Toronto, ON） [ Please find a table with "meetup" label (like the Featured photo).] [ Usually in front of the Longo's supermarket] —————————————— 大家好： 【College Park的food court又给封了，所以我们把活动地点换到了 Brookfield Place的food court （181 Bay St., Toronto, ON），靠近Union Station。】 我正在组织一场中英文交流活动。如果你想提高你的普通话或者英语，那就快来参加吧！你可以在这里认识很多母语为普通话或者英语的新朋友！他们都非常乐于帮你提高你的中英文表达能力！也欢迎你同我们一起分享你的语言技巧! 谢谢! 每周六 3:00pm-5:00pm Brookfield Place Food Court（181 Bay St., Toronto, ON） 【请找到一张桌子，桌上有张纸，写着“Meetup”。】 【位置通常会在longo's超市前面】 ———————————————— 大家好： 【College Park的food court又給封了，所以我們把活動地點換到了Brookfield Place的food court （181 Bay St., Toronto, ON），靠近Union Station。】 我正在組織一場中英文交流活動。如果你想提高你的國語或者英語，那就快來參加吧！你可以在這裡認識很多母語為國語或者英語的新朋友！他們都非常樂於幫你提高你的中英文表達能力！也歡迎你同我們一起分享你的語言技巧！ 謝謝! 每週六 3:00pm-5:00pm Brookfield Place Food Court（181 Bay St., Toronto, ON） 【請找到一張桌子，桌上有張紙，寫著“Meetup”】 【位置通常會在longo's超市前面】

Join us on Wednesday, January 21st, 2026, at 6:30 PM for a session presented by **Julian Egelstaff** on implementing a full MCP server into a LAMP stack web application. **Event Details:** * Location: CSI Spadina - 192 Spadina Ave., Toronto, ON M5T 2C2. Viola Desmond room on the 3rd floor * Date and Time: January 21, 2026, 6:30 PM - 8:30 PM * Topic: Lessons from Implementing MCP in Formulize. **Location Note:** This meeting will be held in the Viola Desmond room on the 3rd floor. Access will be via the door to the stairs, not the usual main entrance to the basement area. We will send the building access code on the morning of the meetup, via email and chat. **Session Topic:** This session will be a retrospective and demo of how a full MCP server was added to Formulize ([https://formulize.org](https://formulize.org)). Formulize is 20+ year old open source project, and a web-based data management platform that both technical and non-technical people can use to rapidly create data-driven applications, and rapidly change them as requirements and needs evolve. Formulize is uniquely suited to AI, since all the business logic of every application is exposed through configuration which the AI can read via MCP tools. *In this session we’ll look at:* * The architectural requirements that MCP imposed * The lessons learned in getting it working * How to play nice with the AI for best results * Future ideas for how MCP and AI could be even more integrated into people’s workflows **Your Voice Matters:** Got ideas for future presentations or want to be a speaker? Reach out to Pierre or Aidan – we're always looking for speakers and new insights! **Drinks & Discussion:** Stay after the presentation for drinks and more Drupal talk at[ Hotel Ocho](https://maps.app.goo.gl/4HF9ooz2Ki9B8o577) **Special Thanks to our Sponsor:** A big shoutout to[ Kalamuna](https://www.kalamuna.com) for providing the CSI space for our meetup. Looking forward to seeing old friends and new faces alike. Let's make this a great meetup for Toronto's Drupal community, going strong since 2006!

【College Park food court is closed again, so we change the location to the food court in Aura Concourse（384 Yonge St., Toronto, ON）, near the College Station.】 I am helping organize a mandarin-english language exchange downtown. If you want to improve your Mandarin/English, feel free to come by downtown and meet others to practise your language. There will be native Mandarin and English speakers to help you! Or you can share your language skills with others! Every Sunday 3:00pm-5:00pm Aura Concourse（384 Yonge St., Toronto, ON) [ Please find a table with "meetup" label (like the Featured photo).] [ Usually in front of the pharmacy ] —————————————— 大家好： 【College Park的food court又给封了，所以我们把活动地点换到了 Aura Concourse的food court（384 Yonge St., Toronto, ON），靠近College Station。】 我正在组织一场中英文交流活动。如果你想提高你的普通话或者英语，那就快来参加吧！你可以在这里认识很多母语为普通话或者英语的新朋友！他们都非常乐于帮你提高你的中英文表达能力！也欢迎你同我们一起分享你的语言技巧! 谢谢! 每周日 3:00pm-5:00pm Aura Concourse food court（384 Yonge St., Toronto, ON） 【请找到一张桌子，桌上有张纸，写着“Meetup”。】 【位置通常在药房前面】 ———————————————— 大家好： 【College Park的food court又給封了，所以我們把活動地點換到了Aura Concourse的food court（384 Yonge St., Toronto, ON），靠近College 】 我正在組織一場中英文交流活動。如果你想提高你的國語或者英語，那就快來參加吧！你可以在這裡認識很多母語為國語或者英語的新朋友！他們都非常樂於幫你提高你的中英文表達能力！也歡迎你同我們一起分享你的語言技巧！ 謝謝! 每週日 3:00pm-5:00pm Aura Concourse food court（384 Yonge St., Toronto, ON） 【請找到一張桌子，桌上有張紙，寫著“Meetup”】 【位置通常會在藥房前面】

We are hiking Manassas Battlefield. We are tracing the area of the second battle of Manassas. The trails are made up of various surfaces. including grass, dirt, gravel, rocks, and pavement. The trails could be muddy. You might not need hiking boots for this hike. You do need footwear with enough support for six plus miles. Distance: 6.60 miles Elevation Gain: 429 feet We are meeting in the parking lot for Manassas Battlefield Visitor’s Center. There are several parking lots at Manassas Battlefield so make sure you find the Visitor’s Center. The address might not take you there so use the following coordinates: 38.812819,-77.521449 The hike should take approximately two to two and a half hours depending on the walking speed of the group. There is no parking fee for this hike. There are rest rooms in the Visitor's Center. The hike will be followed by an optional trip to Starbucks, 8699 Sudley Rd, Manassas VA. Starbucks is only 4 miles from the trailhead. HIKING RELEASE OF LIABILITY, WAIVER OF CLAIMS, EXPRESS ASSUMPTION OF RISK AND INDEMNITY AGREEMENT Please read and be certain you understand the implications of agreeing to Express Assumption of Risk Associated with Hiking and Related Activities. I do hereby affirm and acknowledge that I have been fully informed of the inherent hazards and risks associated with hiking, transportation of equipment related to the activities, and traveling to and from activity sites, in which I am about to engage. Inherent hazards and risks include but are not limited to: 1\. Risk of injury from the activity and equipment utilized is significant including the potential for permanent disability and death\. 2\. Falling\, causing broken bones severe injuries to the head\, neck and back which may result in severe impairment or even death\. 3\. All "act of nature\," including but not limited to avalanche\, rock fall\, inclement weather\, thunder and lighting\, severe and or varied wind\, temperature and other weather conditions\. 4\. Risks associated with crossing\, climbing or down\-climbing of rock\, snow and/or ice\. 5\. Risks associated with river crossings\, fordings\, or portaging\. 6\. Possible equipment failure and/or malfunction of my own or others' equipment\, which may have been rented\, borrowed\, or personally owned\. 7\. My own negligence and/or the negligence of others\, including employees\, agents\, independent contractors or representatives of including but not limited to operator failure\. 8\. Cold weather and heat related injuries and illness including but not limited to frostnip\, frost bite\, heat exhaustion\, heat stroke\, sunburn\, hypothermia and dehydration\. 9\. Attack by or encounter with insects\, reptiles\, and/or animals\. 10\. Accidents or illness occurring in remote places where there are no available medical facilities\. 11\. Fatigue chill\, and/or dizziness\, which may diminish my/our reaction time and increase the risk of accident\. 12\. My sense of balance\, physical coordination\, and ability to follow instructions\. \*I understand the description of these risks is not complete and that unknown or unanticipated risks may result in Injury, illness, or death. Release of Liability, Waiver of Claims and Indemnity Agreement In consideration for being permitted to participate in any way in hiking and related activities, I hereby agree, acknowledge and appreciate that: 1\. I HEREBY RELEASE AND HOLD HARMLESS WITH RESPECT TO ANY AND ALL INJURY\, DISABILITY\, DEATH\, or loss or damage to person or property\, WHETHER CAUSED BY NEGLIGENCE OR OTHERWISE\, the following named persons or entities\, herein referred to as releasees: Seth Allen \(Company and/or Person\)\, Melanie Yolanda Allen \(Company and/or Person\) 2\. To release the releasees\, their officers\, directors\, employees\, representatives\, agents\, and volunteers\, from liability and responsibility whatsoever and for any claims or causes of action that I\, my estate\, heirs\, survivors\, executors\, or assigns may have for personal injury\, property damage\, or wrongful death arising from the above activities whether caused by active or passive negligence of the releasees or otherwise\. By executing this document\, I agree to hold the releasees harmless and indemnify them in conjunction with any injury\, disability\, death\, or loss or damage to person or property that may occur as a result of engaging in the above activities\. 3\. By entering into this Agreement\, I am not relying on any oral or written representation or statements made by the releasees\, other than what is set forth in this Agreement\. This release shall be binding to the fullest extent permitted by law. If any provision of this release is found to be unenforceable, the remaining terms shall be enforceable. I HAVE READ THIS RELEASE OF LIABILITY AND ASSUMPTION OF RISK AGREEMENT, AND I FULLY UNDERSTAND ITS TERMS, AND UNDERSTAND THAT I HAVE GIVEN UP LEGAL RIGHTS BY AGREEING TO IT, AND I AGREE TO IT FREELY AND VOLUNTARILY WITHOUT ANY INDUCEMENT. FOR PARTICIPANTS OF MINORITY AGE: This is to certify that I, as Parent, Guardian, Temporary Guardian with legal responsibility for this participant, do consent and agree not only to his/her release of all Releasees, but also to release and indemnify the Releasees from any and all liabilities incident to his/her involvement in these programs for myself, my heirs, assigns, and next of kin.

Learn to manage stress and achieve self-growth through simple relaxation and Meditation. Heartfulness Meditation is a simple, modern, methodical approach to meditation. Rather than homing in on your breath or repeating a mantra, you simply focus inward, on your heart, to cultivate inner strength and serenity. Heartfulness meditation is gaining traction in recent years. It focuses on the heart, allowing individuals to connect with themselves on a deeper level, and ultimately achieve peace, relaxation, and clarity. It is a practice that encourages patience, self-compassion, and acceptance, helping cultivate a deeper appreciation for the present moment. This practice is offered with love and at no cost

**Cabell Harris** is always thinking, It’s what he does... Ad Man. Designer. Professor. Entrepreneur. Futurist. Cabell’s career began in Richmond, Virginia. Fortunately, he was in the right place at the right time. Richmond was getting national attention as being one of the few creative hot spots outside New York. He continued building his reputation and portfolio by working for many distinguished companies in New York, Boston, and Los Angeles. In Los Angeles, Cabell founded WORK Inc. as an agency for agencies. He returned to his roots and relocated the agency to Richmond in 1995. Few individuals have worked for more agencies or brands than Cabell. Along with managing WORK, creating ad campaigns, corporate identities, packaging products, publishing books, building apps, and taking his own brands and products to market, Cabell was a professor for over 10 years at the VCU BrandCenter. Today, WORK has evolved into a brand consultancy working directly with clients who need innovative thinking. Cabell has been recognized, multiple times, in every major industry award show including Cannes, the Clios, the One Show, New York Addys, Art Directors Club, Graphis, Athena, Andy’s, British Design & Art Direction, Effie’s, Communication Arts, and over 10 Best of Shows for the local Richmond Addy’s. Various publications have also declared him one of the top creatives in the country. March of 2020 Cabell was inducted into the Virginia Communications Hall of Fame. **WORK Labs** is a creative branding agency located in Richmond, Virginia. Whether we’re creating an advertising campaign that will break through the clutter or bringing our own products to market, we know we are ultimately in the idea business. We publish books. We brew our own beer. We’re designers, writers, strategists, professors and students. And we’re all brought together by one common belief: nothing is more compelling than a smart idea, executed well. **Thnk Collecive** is a lifestyle brand and retail store with curated, unique and consciously sourced products for home, gifts, and self-care: * Home & Living * Wellness & Self Care * Apparel & Accessories * Family & Fun Thnk Collective is located at 4913 Grove Ave, Richmond, VA **The Discussion.** This series of hybrid events is perfect for budding entrepreneurs, experienced executive mentors cultivating an entrepreneurial mindset, early-stage investors, and students exploring innovative product design. At each session, business founders serve as guest speakers share about their career, their firm's business model, as well as the successes and challenges in the product development process. Participants learn from the speakers’ experiences, discuss valuable insights, and connect with other entrepreneurs, students, faculty, and investors. **Logistics.** A light lunch is served, as entrepreneurs connect with one another, learn from peers, and contribute to the conversation: * Friday, January 23, 2026 * 11:30am EST - Coffee & Connection * 12:00pm - 1:00pm EST - Presentation & Discussion No pre-registration is required. Join us: Robins School of Business 102 UR Drive, iLab Room 123 University of Richmond, VA 23173 **Parking.** Free parking is available in the U5 and U6 lots immediately adjacent to the Robins School. Please enter the main foyer, turn to the left and proceed to room 123 (EY Innovation Lab) on the ground floor. Please note that visitors have a two-hour parking window. Please sign in when you enter the room, providing your license plate number. **On Zoom Webinar:** https://us02web.zoom.us/j/89608419334?pwd=am0F9r85xPfh7aBaxtdUDILYsvNAwJ.1

Federal Executive GovCon - "Supporting Government Efficiency with Thought Leadership" When: Thursday, January 22, 2026, 5:30 – 8:00 Location: Lost Rhino, 21730 Red Rum Dr, Ste 142, Ashburn, VA 20147 (\*\* NEW LOCATION \*\*) Come network with other local GovCon Executives and enjoy a few free beers on us and engage with our sponsors and Industry speakers. Please register here for your spot and please enter full name and company so a badge will be waiting for you. Sponsorships: 1 of 2 spots are available. DM me to claim the 2nd sponsorship to highlight your company to an invitation-only executive audience.

**What makes one market a goldmine and another a money pit?** Success in real estate starts long before you make an offer. Choosing the right market and knowing how to analyze a deal are what separate confident investors from expensive mistakes. At this month’s meeting, we’ll talk about how to evaluate markets, spot demand drivers, and understand local fundamentals. We’ll also walk through how to analyze properties, run the numbers, and determine whether a deal actually makes sense before you move forward. Come for the training, stay for the networking! ━━━━━━━━━━━━━━━━━ **Did you miss it?** [Watch all GRID Reston event playback on YouTube](https://www.youtube.com/playlist?list=PLOTh5kxLLJI1G3VH6Pqhlhu0uTA8yrdpi) ━━━━━━━━━━━━━━━━━ **Join the GRID Facebook Community** [Join the online GRID community here](https://www.facebook.com/groups/gridinvestor) to post deals, ask questions, and connect with other investors across the globe.

Our local amphibians and reptiles are both susceptible to habitat destruction and pollutants and can often be victims of being misunderstood. Join Loudoun Wildlife Conservancy for an introductory look at our local amphibians and reptiles, what our citizens can do to help protect their habitats, and what related programs are available through Loudoun Wildlife to help monitor populations and increase community awareness of these often overlooked and fragile species. This presentation takes place at Rust Library and is co-sponsored by the Loudoun County Public Library and Loudoun Wildlife Conservancy.