Weekend Pick: Ocoee Fest Beer, Music and River Festival
It is one of the great outdoor ironies that the end of summer usually marks the beginning or the best of the kayaking season. This is a sport dedicated to water after all, and once Labor Day weekend comes and goes, the days get shorter and the temperatures drop. Getting on the water during the down slope of summer probably doesn’t appeal to everyone, but hardcore paddlers love the changing season because it marks the beginning of the major dam releases on some of the best rivers in the South and mid-Atlantic. These releases are a big deal, and draw paddlers from across the region, the nation, and the world to the banks of the river to test their skills against the rivers. Since the people will always come, river festivals have popped up around the release dates to organize the paddlers and add a bit of revelry and spectacle to the scene – as if paddlers need an excuse to revel. This weekend, one such festival is taking place on the shores of the Ocoee River in Tennesee, but the Ocoee Fest is not just about paddling, it’s also about music, good times, and beer – lots of it.The long Labor Day Weekend is usually reserved for kicking back with a friends and family, celebrating the last gasps of summer, and possibly, maybe getting off your lazy butt at least once to ride a bike or get on the river. Well, at Ocoee Fest, you can do all of this and more. This year’s Ocoee Fest is highlighted by the first ever Ocoee Fest Home Brew Competition. Home brewers will come from across the Southeast to compete for the honor of being the tastiest brew on the river. Along with the home brew, Red Brick Brewing, Sam Adams, Sierra Nevada and more will be on hand at the festival with their suds in tow. The festival will be capped on Sunday by the Beer Olympics with events like Beer Pong, Corn Hole, and Beersbie (whatever that is).As for recreation, the festival is being held on the grounds of Adventures Unlimited in Ocoee, Tennesseee, ground zero for rafting, kayaking, hiking and biking in the area. Plus, paddlers have a reputation for partying hard, especially when they all get together, so that may be all the recreation you need. Plus, there will be music from local and regional bands throughout the weekend from Shark Week, The Whistle Pigs, Matt Woods, and more.Rock Creek will also be on hand selling gear at discounts, and I’m sure giving away some swag as well. Tickets are a scant $20 for two days, including camping, which is the Labor Day deal of the century. So pack up the boat, tent, and bike, and head for Ocoee this weekend.View Larger Map
As the financial services industry becomes more competitive and credit unions continue to face regulatory and economic pressures, having effective board leadership is essential to surviving the challenges that lie ahead. However, according to a CUNA White Paper, “Effective Credit Union Board Succession Planning,” most credit unions do not have a reliable system (or inclination) for attracting the next generation of board members.Having directors who are not fully engaged or who do not represent the interests of all stakeholders can negatively impact a credit union’s ability to make prudent business decisions and meet its strategic objectives. What’s more, if directors don’t possess the basic knowledge required to understand the institution’s financial and accounting practices, or neglect to complete their fiduciary responsibilities, the consequences could result in potential regulatory action, or in the worst cases, cause the institution to fail.Setting the stage for successful board succession planningMaintaining a roster of board members that can lead your credit union for the long-term doesn’t happen organically. It takes planning by existing internal and external leadership, as well as a commitment to staying agile in constantly changing regulatory, business, economic and technology environments.Following are steps you can take to create and maintain effective board leadership:Set board diversity goals to better serve member demographicsFor credit unions that were originally chartered as a Select Employee Group (SEG), board membership was fully representative of that segment. However, in many cases, as new member groups were added, board leadership continued to recruit similar candidates – (friends, members of the same civic organizations, clubs, churches, etc.) to preserve their circle.Take a look at your board membership. Does it accurately reflect your membership demographic today or does it look more like the profile of 20 or 30 years ago? If current director selection practices are merely perpetuating more of the same, it is time to identify what the board should look like, along with the skills and expertise it will need going forward to successfully thrive in an ever-changing marketplace.Cast a wide recruiting netDiversifying board membership requires widening the search beyond the traditional means of recruiting new candidates with the same profile as existing directors. But your efforts will pay off. Not only will more diversity interject new, forward-thinking perspectives to leadership discussions, it can also increase membership from demographic groups that didn’t see a place for themselves in your institution, based on the previous leadership profile.Institutionalize a board succession planning processIf you don’t make succession planning an on-going board objective, it will most likely get passed over by other seemingly more pressing needs. By sticking to a plan that specifies policies regarding board member diversity guidelines, industry/financial knowledge, community involvement requirements and term limits, you can define across-the-board expectations and spend more time dealing with issues regarding the institution’s long-term success.Implement director self-evaluationsWhile it is difficult for board members to evaluate their peers, overlooking poor performance, a lack of commitment or minimal participation in meetings does not serve the best interest of the organization or its members. Setting expectations for board involvement – along with performance standards and a strict peer review process – are keys to maintaining a strong organization.Require continuing education for all board members.While there are currently no requirements for earning professional education credits, Board members should have the knowledge necessary to make informed decisions on the credit union’s behalf. This includes the ability to read and understand a balance sheet, along with current knowledge of technology and compliance issues, such as Regulation E and the Bank Secrecy Act that could have regulatory implications for the institution. The pros and cons of term limitsWhile instituting mandatory retirement age and term limits are sure ways to add new members to the board roster on a scheduled basis, doing so can be problematic for a number of reasons. A board member who is very knowledgeable and involved at age 78 can be much more valuable to the institution than a member in his or her 40s who doesn’t have the expertise or commitment to serve in the same capacity. Likewise, while setting term limits is seen as a way to ensure that board members are objective and independent from institutional leadership, it doesn’t take into account the talent and commitment that can be lost when certain members are forced to step down.Strong board leadership paves the way for a solid futureFinding and maintaining a strong board is an on-going leadership challenge that requires credit union CEOS and board chairmen to work together to understand the needs of their membership community, identify leadership potential in their midst and ensure that sitting board members are providing value to the institution. In today’s rapidly changing environment, staying the course isn’t an option for a credit union that intends to be in the game for the long term. 18SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Keith Hughey Keith joined JMFA in 2012, with more than 35 years of consulting and managerial experience. Until founding his own practice, J. Keith Hughey Company in 2008, he was a principal … Web: www.JMFA.com Details
22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Fraud is becoming more and more common. In fact, according to a report released recently by the Ponemon Institute, 43 percent of companies have experienced a data breach, a figure that represents a 10 percent year-over-year increase.While the growing U.S. adoption of EMV security technology will likely reduce card fraud over time, in the near term industry experts are finding that just the opposite is occurring.“Card fraud is on the rise, and credit unions and their members need to remain vigilant,” said Bill Freer, Risk Manager for CO-OP Financial Services.Freer notes that many believe card fraud is increasing today because fraudsters are accelerating their efforts to capture magnetic stripe data before EMV technology replaces the mag stripe for good.“However, even when that day comes, consumers should remain on alert,” he said. “The fact is that the way fraud is carried out is quickly changing today, and consumers need to both understand this paradigm and take the right steps to protect themselves going forward.” continue reading »
Jun 25, 2009Rochester, N.Y., health system strained by flu patientsThe health system in the Rochester, N.Y., area is under heavy strain from a “very high volume” of novel flu patients, according to Dr. Andrew Doniger, public health director for Monroe County, which includes Rochester. In a Jun 24 report posted by the news site MPNnow, Doniger said people with possible flu should not try to see a doctor unless they have severe symptoms, such as persistent fever or breathing difficulty. He said the area had relatively few flu cases until the second week of June.[Jun 24 MPNnow report]Argentine pig tests positive for novel H1N1A pig in Argentina has tested positive for novel H1N1 influenza, the director of the country’s animal health and sanitation service, Jorge Amaya, said today, according to a Dow Jones News report. Because no animals have been moved into the area recently, animal health officials are exploring whether the animal contracted the virus from a human. Other hogs are being tested in areas in proximity to the pig, which has since recovered.[Jun 25 Dow Jones Newswire story]Basketball team brings H1N1 flu home to IraqIraq has recorded its first cases of the novel H1N1 influenza, in five women’s basketball players and their male coach, according to Agence France-Presse (AFP). The six returned from Chicago to Iraqi Kurdistan a week ago and have been hospitalized for monitoring since then, the Kurdish region’s health minister said. On the trip back from Chicago, the team passed through Amman, Jordan, where another player was held after she tested positive for the virus, the story said.[Jun 25 AFP report]Serbia plans restriction on athletes, reports first caseSerbian leaders announced yesterday that athletes attending the World University Games in Belgrade next month will be required to show a certificate saying they don’t have the new flu, the Associated Press (AP) reported yesterday. Athletes without a certificate will be quarantined. And today, the nation’s health minister said a 29-year-old Belgrade man who visited Argentina last week has Serbia’s first confirmed case of the illness, the Web site Balkan Insight reported.[Jun 24 AP report]Egypt reports first case linked to pilgrimage to Saudi ArabiaEgypt has confirmed its first novel H1N1 case in an Egyptian returning from a Muslim pilgrimage to Mecca, Saudi Arabia, according to Middle East Online, which cited a health ministry spokesman quoted by the state-owned newspaper Al-Akhbar. The man was hospitalized in stable condition. Health ministry officials had warned of the dangers posed by the flu to millions of Muslim pilgrims traveling to Saudi Arabia.[Middle East Online report]Manitoba aboriginal groups seek emergency declarationAboriginal leaders in Manitoba have declared an emergency in their communities over the novel flu, and they want the Canadian federal and provincial governments to do the same, the Canadian Press reported. The emergency declaration permits aboriginal groups to divert money from other programs, and a similar declaration at higher levels would lead to increased efforts to provide emergency supplies and healthcare workers to hard-hit communities, said the leader of the Assembly of Manitoba Chiefs.[Jun 25 Canadian Press report]
The inspections carried out on July 20 in Umag in two cases temporarily banned the performance of activities, sealed one facility, and established illegal work in the other. In 136 coordinated inspections on Vis, 135 violations of regulations were established, in which, among other things, 55 kilograms of products of animal origin were destroyed and 68 fines were collected on the spot. Some offenders were fined immediately, and some received misdemeanor charges and sad motions. There were cases in which apartments were sealed and restaurants closed, and those who had minor omissions were ordered to correct them. Regulations were violated everywhere – from Vis, through Hvar, Brač, Pag, Split, Vir, Kornati, Poreč, Umag, Rab to Dugi otok. On Hvar from August 08 to 10, 145 violations of regulations were found in 128 inspections. From 25 to 27 July, 38 irregularities were found in 41 sanitary inspections on Brač, while 122 violations of regulations were found in 115 inspections on Dugi otok During the two-day inspections on the Kornati islands, Pag and Rab, numerous violations were established, fines were collected on the spot and work prohibition measures were implemented. In Vir, there were 149 irregularities in 77 inspections of landlords, 45 misdemeanor measures were imposed and five apartments were sealed. Inspection in nautical tourism In 54 inspections of nautical tourism vessels, sanitary inspectors found 75 deficiencies. 
Also, 75 kilograms of products of animal origin without declaration were destroyed, as well as those of unknown origin. The Sanitary Inspection recorded violations related to the activities of workers without sanitary books and the passed minimum hygiene course, non-implementation of the food self-control system, food without a declaration and unsatisfactory sanitary and technical conditions in catering facilities. The report on the coordinated inspections of the State Inspectorate revealed numerous violations of regulations – from non-compliance with minimum conditions in kitchens and toilets, through employees without sanitary books, non-implementation of food self-control system, confiscation of non-originating meat, to non-reporting of health and pension insurance workers. sheet. Source / photo: Vecernji list
Keown says Ceballos can be a ‘special player’ for the Gunners (Picture: Getty)Ceballos has also caught the eye of former Arsenal captain, Tony Adams, after a promising start to his loan spell in north London.Speaking after Arsenal’s 2-2 draw with Spurs, Adams told Premier League Productions: ‘We’ve just got to sort out the other end of the pitch, really. They’re all over the place.‘We’re not pulling the strings, we’re not feeding the front three.‘If we can get the ball into the front three you can see what they can do. Then just hope for the best at the back, I think that’s all you can do with this mob.More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira moves‘Ceballos coming on and starting to make us tick, I think he was impressive.‘Just because you’ve got the three strikers, you need someone to link it. Actually, if we got a good back four in place we’d be going places, I think. That’s the problem.‘I was disappointed in the summer that we didn’t get someone, or two big, strong defenders because you’ve seen up the other end they are scoring goals for fun.’ Advertisement Comment Metro Sport ReporterWednesday 4 Sep 2019 12:20 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link338Shares Martin Keown names ‘special’ Dani Ceballos as most impressive player in Premier League this season
Dani Ceballos has impressed Arsenal legends Martin Keown and Tony Adams (Picture: Getty)Arsenal legend Martin Keown has named Dani Ceballos as the player who has impressed him the most in the Premier League so far this season.Ceballos, 23, completed a season-long move from Real Madrid to Arsenal at the end of July and was one of six new arrivals through the doors at Emirates during a busy summer transfer window for Unai Emery’s side.The Spain international made a cameo substitute appearance as Arsenal beat Newcastle on the opening weekend of the campaign before producing a man of the match performance on his full debut for the club.Ceballos created both chances in a 2-1 victory over Burnley and will have been disappointed to have been among Arsenal’s substitutes for Sunday’s north London derby.AdvertisementAdvertisementADVERTISEMENTMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityKeown believes Ceballos can be a ‘special player’ for the Gunners this season and was puzzled by Emery’s decision to name the Spaniard on the bench against Tottenham.Asked which player has impressed him the most at this early stage of the season, Keown told The Daily Mail: ‘Dani Ceballos. His home debut against Burnley was one of the best I’ve seen in an Arsenal shirt.‘I love his willingness to get on the ball and couldn’t work out why he was benched against Spurs.‘He seems a special player.’ Arsenal 2-2 Tottenham: Unai Emery press conferenceTo view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video Play VideoLoaded: 0%0:00Progress: 0%PlayMuteCurrent Time 0:00/Duration Time 7:47FullscreenArsenal 2-2 Tottenham: Unai Emery press conferencehttps://metro.co.uk/video/arsenal-2-2-tottenham-unai-emery-press-conference-1997076/This is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.MORE: Alexis Sanchez reveals Romelu Lukaku ‘convinced’ him to join Inter Milan from Manchester United Advertisement
Tierney faced Messi for Celtic (Picture: Getty Images)The club and La Liga both maintain that any teams interested in signing the 33-year-old must pay his £632million release clause.AdvertisementAdvertisementADVERTISEMENTShould his exit be sanctioned, Manchester City have been touted as his most probable destination given the connection with his former boss Pep Guardiola.Arsenal left-back Tierney came up against Messi while playing for Celtic, but by his own admission, he didn’t fare too well.‘I kinda played him before, I was marking him but I was nowhere near him, I was miles off it,’ the Scotland international told Sky Sports.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal‘I don’t know what’s going to happen with him, I see the links to Manchester City.‘It would be the biggest challenge of my career playing against him a couple of times a season hopefully.’MORE: Official: Arsenal complete transfer of Gabriel MagalhaesMORE: Manchester United star Mason Greenwood reacts to rumours Lionel Messi could be joining Manchester CityFollow Metro Sport across our social channels, on Facebook, Twitter and InstagramFor more stories like this, check our sport page Messi wants to leave Barca (Picture: Getty Images)Kieran Tierney has opened up on the nightmare prospect of having to defend against Lionel Messi for two games a season if he makes the switch from Barcelona to Manchester City this summer.The Argentine has handed in a transfer request to leave the Catalan club after almost two decades at Camp Nou.Barca’s fortunes have taken a turn for the worse in recent years and their 8-2 loss against Bayern Munich in the Champions League quarter-finals further highlighted their decline. Comment Advertisement Advertisement Metro Sport ReporterTuesday 1 Sep 2020 5:10 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link4.6kShares Arsenal defender Kieran Tierney reacts to the possibility of facing Lionel Messi in the Premier League
This home has some serious street appeal.Bi-fold doors open the interior out to an expansive covered timber deck ideal for entertaining with its glass balustrade, outdoor speakers, ceiling fans and an outdoor kitchen comprising a built-in stainless steel barbecue and sink and commercial-grade exhaust fan. The deck overlooks an 18m lap pool, which directly adjoins a championship-sized floodlit tennis court and established gardens. Back inside, the residence’s ground floor also includes a side hallway that grants access to a laundry and bathroom, study with separate entry and built-in desks and shelving, and a cinema with surround sound, theatre seating, a projector screen and airconditioning. What a great spot for a barbecue.Carpet adorns the first floor of the house, from a living room with plantation shutters to four bedrooms, including three with built-in wardrobes. These bedrooms share a modern bathroom with a shower and separate bath. Along with his-and-her walk-in wardrobes, the main bedroom has an ensuite and a ceiling fan. About 20 minutes from the Brisbane CBD, this property is about a 15-minute walk from Eagle Farm Racecourse. The Portside Wharf dining and entertainment hub is about five minutes away, while Bannister Park is one street over. My dream home would have awnings like these.Stairs lead down from an entry gate to a front courtyard with established gardens and a double carport nearby.A timber door invites entry into the ground floor, where a tiled foyer sits between a bathroom and bedroom with built-in wardrobes and a formal carpeted lounge room with air conditioning and decorative lighting.Beyond the lounge room is a formal dining room with built-in cabinetry and decorative cornices. It borders a living room, meals area and a kitchen with black granite benchtops, Miele appliances, a breakfast bar and corner pantry. More from newsParks and wildlife the new lust-haves post coronavirus1 day agoNoosa’s best beachfront penthouse is about to hit the market1 day ago 26 Blaikie St, Hendra, goes under the hammer on October 28.TENNIS court, oversized lap pool, space galore – this modern Brisbane home will have you ticking off boxes on your wishlist in no time.With five bedrooms – all with built-ins and two walk-in robes in the master – and four bathrooms this could be the answer to family bliss during the morning rush.The luxurious residence at 26 Blaikie St, Hendra, which has a wealth of modern luxuries on a massive 1,619sq m block, is a must see during this weekend’s inspections, opening for half an hour at 12.30pm Saturday October 14. Now that’s what I call spacious.Listing agent Michael Spork described the property as an ideal family room boasting all the modern amenities potential buyers could need. The home is set to go to auction on site at 2pm on Saturday October 28.
Women in Kenya are playing a key role in responding to the COVID-19 pandemic as decision-makers, caregivers, frontline healthcare workers, community leaders and mobilisers often at great risk to their health.According to a virtual meeting of Commonwealth Ministers for Women’s Affairs and Gender and Development on COVID-19, Kenya has women leaders in key positions at the national level committees that are coordinating the management of COVID. For instance, Prof Margaret Kobia chaired the committee on Post-COVID Economic Recovery Plan.At the regional level, the County Government Coordination and Food Supply Working Group have women representatives at the decision-making level. In addition, the Kenya Women Parliamentary Association (KEWOPA), the National Gender Equality Commission (NGEC) and selected women’s rights organizations under the leadership of the Ministry of Public Service and Gender have worked together to meet the practical needs of women and girls in low resource settings affected by the pandemic.Get breaking news on your Mobile as-it-happens. SMS ‘NEWS’ to 20153 They have managed to implement a cash transfer programme, and continue to distribute dignity kits to cushion women and girls from the negative effects of the pandemic.Also Read Kalonzo applauds Senate for ending revenue stalemateLike many other countries, Kenya has witnessed a rise in Gender-Based Violence cases as a result of COVID–19 pandemic.It is through the exemplary leadership of women in Kenya at various levels, state and non-state actors that Gender-Based Violence is an integral component of the COVID- 19 response.Also Read Noordin Haji reorganizes ODPP in renewed war on graft“They have strengthened the medical-legal response to GBV, enhanced and publicized the national toll-free helpline 1195 and rolled out a public awareness campaign on prevention and response to GBV,” the Commonwealth Secretary General, the Right Hon. Patricia Scotland said.The Secretary-General lauding the Kenyan Government noted that it has put in place measures to promote women’s economic empowerment.This includes access to affordable credit facilitation for women, youth and persons living with disability through Women Enterprise, Uwezo Fund, Youth Enterprise Development and National Government Affirmative Action Funds.In addition, it was also noted that within the COVID 19 pandemic response, Kenya has created employment for women and young people through local manufacturing of face masks especially those residing in informal settlements.Also Read Teachers to report back to school on MondayThe initiative has transformed local companies like Kitui County Textile Company (KICOTEC), Shona EPZ Limited and Bedi Investments Limited, into surgical mask assembly lines in a country that barely produced any previously.In conclusion, it was also noted that in the next few weeks, the “Commonwealth Says No More” campaign will be launched and will offer an impressive array of expert resources and tools to support action by everyone from Governments to private individuals to help combat domestic abuse and violence against women and girls.
The Magpies had travelled to south Wales on the back of a run of four straight wins, but they fell to a comprehensive defeat as Nathan Dyer and Jonjo Shelvey found the net either side of a Mathieu Debuchy own goal. But Newcastle were aggrieved that Webb did not award them spot-kicks after Ben Davies appeared to handle a Loic Remy shot, and Yoan Gouffran went down after an aerial challenge with Ashley Williams. Both incidents happened with the score at 1-0 and Pardew also felt Shelvey could have seen red after he appeared to aim a headbutt towards Debuchy during a heated exchange a few minutes before the ex-Liverpool man rounded off a superb individual display with a stunning, curling strike. The Newcastle boss said: “Two big decisions went against us and that was crucial in the result. “The first one was a penalty, no doubt in my mind about that. I felt that at the time and my players reaction told me everything I needed to know, and that should have told Howard as well. “It hit his arm and it’s going in the back of the net. That’s a penalty isn’t it? “Again the second was for a foul on Gouffran. I thought Williams had no chance of winning that header, he has gone into the back of Gouffran and he just played on. “I was disappointed in those decisions. I’ve told him that as well. He has given me his explanation and I accept that, and I don’t agree with it. “Then there is the incident with Jonjo, looking at video highlights I think that was disappointing for Jonjo as I think he is a terrific lad and that’s unlike him, but again maybe you could argue he should not be on the pitch.” Swansea manager Michael Laudrup unsurprisingly had a different take on matters, particularly after his side recently conceded a controversial penalty to draw a game they should have won against Stoke. Newcastle manager Alan Pardew felt World Cup final referee Howard Webb made three errors which cost his side dear during their 3-0 defeat at Swansea. Of the Shelvey incident he said: “Football is about temperament the most important thing keep on the right side, to not go over it and he didn’t do that. “It’s important everybody sticks to the right side of the line.” Asked if he had headbutted Debuchy, Shelvey told BT Sport: ”That’s what you think. Nowadays you can’t do anything. ”I was trying to move to get out of the way. That’s life at the end of the day.” On the two penalty incidents, Laudrup added: “They claimed for two penalties. The one with the handball is what I would call 50-50. One of those that if you don’t give it, it’s okay. “If I had been on the other side I would have claimed it, but if there are experts in penalties being given or not given it’s Swansea. “If he’d given it I would have accepted it. “The other one I don’t think was a penalty.” Press Association