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The New Zealand Way: Another Approach to Health Care
For more of Ken Fabert's blogs from New Zealand, click here.
As I discussed earlier, a well-organized and well-trained primary care base is vital to the rational utilization of health care resources, and a key part of the New Zealand system. Surprisingly, though, at the initial point of access, which is often a physician-owned practice, the patient is expected to pay some or even most of the cost of the encounter. Many patients, however, are able to obtain a community health services card; with it, co-pays are on a sliding scale based on income. Further subsidies are available for patients with chronic illness who have more than 12 visits per year. Despite these subsidies, I was rather surprised to learn that computerized patient account systems prompt for information about bad debts and previous payment status; this seems to be generally accepted as a necessary evil if the system is to maintain financial viability and overall fairness.
This is, however, the only part of the system that requires out-of-pocket payment. And despite the potential barrier to access posed by these co-pays, my experience in the sites I've visited so far is that it doesn't seem to be a significant barrier to access. I do want to continue to observe the potential effects of this system. But that's where the potential financial barriers end.
After being seen by a primary care doctor, all laboratory investigations, radiology tests, emergency hospital evaluations, hospitalizations, and surgery are paid for. No deductibles, no co-pays, no maximums.
Recently, primary care subsidies have been changed to include free care for children under six and full prenatal and obstetrical care. These costs are administered through primary health organizations, or PHOs, one of the primary conduits through which the annual national health budget directly pays general practitioners and other primary providers.
The Accident Compensation Corporation (ACC) is one of several pillars on which the New Zealand health care system is based. It is a no-fault national insurance program funded directly by the government to cover medical expenses stemming from any accident that occurs in New Zealand. The rules of the ACC preclude further litigation because both medical expenses and subsequent compensation are provided for. Thus, the absurdities and excesses of a litigation-driven system of compensation—such as that found in United States, where many doctors feel they must practice "defensive medicine," ordering unnecessary tests and procedures to make sure their bases are covered in the event of a malpractice lawsuit—are simply rendered irrelevant. Health policy academics—frequently law school professors and economists rather than medical clinicians—often downplay the impact of litigation on the U.S. health care system's high costs, but the corrosive effect of this lawyer-driven adversarial system is pervasive. Just ask any clinician. In a future blog I will address this issue more comprehensively, but for now let's continue to look at what makes the New Zealand health care system tick.
Another recipient of government funding is the District Health Board, or DHB, which pays for hospital and laboratory services. (This is a simple mandate on paper, but as with hospital systems everywhere, efficient, fair allocation of these funds is an enormous and politically charged task. In fact, New Zealand's health minister recently announced significant budget cuts to the DHBs, stating that more funds are to be devoted to clinical care.)
A third entity that makes up the foundation of the health system is PHARMAC, the Pharmacy Management Corporation. PHARMAC is the national pharmaceutical supplier. It negotiates directly with pharmaceutical manufacturers for supply and pricing of essential medicines. All covered drugs are $3.00 NZ ($2.10 USD) per prescription.This includes at least one, if not more, representative drug from virtually every therapeutic class of medications utilized in modern medical practice. In my three weeks of prescribing in New Zealand, I have yet to feel constrained by PHARMAC's options. Labeled on-patent drugs are still available, but at substantially more cost to the patient—just as in the U.S., where patients do not benefit from the advantage of collective bargaining.
A Second Opinion on Health Care
In medicine, it's a time-honored tactic to obtain a second opinion if the diagnosis is unclear or if the therapy isn't working. Dr. Ken Fabert on why he wanted to explore New Zealand's single-payer system.
Finally, there is a private sector. Occasionally, patients feel that wait times are excessive for elective surgery such as joint replacements. They can then opt to be treated through the private sector, in which wait times frequently are shorter for such elective procedures. The general perception is that timing, not quality, is the difference between private and public sectors. The specter of a two-tiered health system, with better care available for the rich than the poor, doesn't seem to have arisen. There is, not surprisingly, a growing health insurance industry for those who prefer to seek their care in the private sector. In general, the insurance industry is better regulated here than in the U.S., but I have heard stories of limitations, asterisks, exclusions, and fine print similar to those employed by the U.S. health insurance industry. But in New Zealand, of course, insurance for private care is entirely optional.
So to summarize, a medical patient in New Zealand can expect the following:
- Co-payment or full payment is needed to access a general practitioner, though subsidies are available.
- All required lab tests, investigations, emergency treatments, hospitalizations, and surgeries are free.
- Prenatal care, childbirth, and care for children under six are free.
- If the patient is injured in an accident, care is free (and subsequent compensation is provided for).
- If medications are required, covered prescriptions cost $3.00 ($2.10 US).
Is everyone in New Zealand happy with this scheme? Obviously not. But by and large, people seem to be satisfied with the provisions available to them. There is occasional grumbling, but when I ask New Zealanders if they would rather have a system like that in the United States, the response is a unanimous and unequivocal "No!"
The New Zealand health system is not socialism. It is an example of an intelligent, educated population and government understanding that one of the cornerstones of a human rights-based society (as well as a healthy, productive, and creative society) is the social provision of health care.
I see words like "landmark" and "historic" used to describe the recent health care legislation signed by President Obama. But compared to the New Zealand system, these legislative reforms are functionally inadequate and morally lacking.
I hope to gain deeper insight into this system as I continue to work here for the next two months. As I do, I'll share them with you. This includes problems and shortcomings, but also the kind of problem-solving that is taking place to keep the citizens of this country healthy and productive.
- Read more of Dr. Ken Fabert's blogs from New Zealand .
The United States pays far more than Canada per capita for its health care services, yet Canadians get better care, according to various experts.
Americans spend the most, get the least, and have no health care security. The solution is not that difficult.


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At least three new restaurants are opening on or near Old Fulton Street, including One Front Street, which is hoping to open officially by next month.
The location, originally built as a bank, is a registered historic landmark and was most recently an Asian-fusion restaurant.
Owner Marcelo Pevida said he hired restaurant consultant Ray Montgomery to create an American bistro/lounge that neighborhood residents can relate to. Pevida said the restaurant would compliment Grimaldi's.
"Grimaldi's is the best pizza. It's a quality product and if we do our part and bring [another] good product with quality service it helps round out the community more," Montgomery said. "We are community-friendly. We're doing our part and I think we'll do very well here."
The bar of One Front Street offers small batch, specialty-infused liquors. One of the more popular ones is the Spicy Passion Margarita, made with seven-pepper infused tequila, fresh passion fruits, and agave nectar.
"If you can get good music, good food, and good drinks three blocks from your apartment, why take a cab across the bridge?" said bartender Anita Washington.
Pete Karangelen, who moved to Brooklyn about a month ago, dropped by One Front Street last Sunday afternoon to enjoy a drink. He said he used to travel to Manhattan to go out to eat, but recently began trying places in the neighborhood.
"It's good having a variety of places on this side of the bridge," Karangelen said. "If you X-out the big buildings, it's not that different."
Beforehand, Karangelen said he stopped for a hot dog at The Landing, an old world-style hot dog cart owned by Richard Mauro, the president of the Fulton Ferry Business Association who has been dubbed the mayor of DUMBO by Mayor Michael Bloomberg.
Mauro said the cart, which sits on an empty lot on Old Fulton Street and serves hot dogs named after different U.S. regions, such as the Chicago Dog, the Texas Meal Dog and the Berlin Currywurst, is an experiment for his own restaurant plans.
"There's a basic need for a variety with DUMBO becoming so populated. [Residents] want a variety. It's the same as in Brooklyn Heights," Mauro said.
Montgomery agreed. "The quality of life increased when professional residents came in," he said. "It gives a need for the service industry."
When asked why he chose Fulton Ferry, Louis Termini, owner of the four-month-old Ignazio's Pizzeria said, "Just look out the window."
From his location on Water Street, customers can see the Empire State Building, the Statue of Liberty, the Manhattan skyline and the Brooklyn Bridge. "It's an international tourist zone. Everything is right there," Termini added.
As for serving pizza around the corner from Grimaldi's, he said he's not afraid. He was even so bold as to call his pizza "The Pizza," but admits he is shooting more for the local crowd than so many tourists.
"Locals can actually get in here. We're the second busiest restaurant in the area," Termini said.
Mauro had words of advice for others hoping to open restaurants in the area.
"Be impeccable in the quality of food you serve. Be responsible to the customer and the community," he said, and "be diligent in terms of cleanliness and serve the best quality you can make."

subset: commoncrawl


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CAMBRIDGE, Mass. - Regardt Schonborn has joined the Crimson coaching staff after spending the past five years coaching at his alma mater Trinity. Schoborn, who was integral in the recruiting, training and fundraising with the Bantams, brings a wealth of squash experience to Cambridge.
Schonborn joined the Trinity College women's squash and tennis
coaching staff as a graduate assistant in 2006. In 2008, he
was named assistant coach for the men's squash and tennis programs
at Trinity. A 2006 graduate, Schoborn was a captain, a three-time
All-American, and a two-time Most Valuable Player for the
Bantams squash team. In 2005, Schonborn was honored with the
Skillman Award for Sportsmanship in Intercollegiate Squash.
Schonborn, who has maintained an international squash ranking since 2004 (reaching as high as No. 82 in the world), won four national championships as a player with the squash team at Trinity, and won an additional four as a coach on the Bantams staff. His extensive coaching resume includes the European Squash Academy, the International Squash Academy, the Greenwich Academy Squash Camp, and the Above the Tin Squash Camp.
As a student at Trinity, Schonborn was a resident assistant and worked for the development office. In 2006, he was recognized with the Edwin P. Nye Award in engineering for understanding the balance between man's technology and the environment.
Schonborn earned a bachelor's in engineering from Trinity with a concentration in electrical, and a master's in Management from Rensellaer Polytechnic Institute in 2006.


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Badger Basket Six Wheel Doll Travel System Stroller and Carrier Pink Polka Dots
Brand: Badger Basket
Product Code: 99610
Reward Points: 0
Product Code: 99610
Reward Points: 0
Price: $49.91
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Badger Basket Six Wheel Doll Travel System Stroller and Carrier Pink Polka Dots
Badger Basket Six Wheel Doll Travel System Stroller and Carrier Pink Polka Dots 99610
Your doll can go wherever you go, even when strollers are not allowed!
Badger Basket's Six Wheel Doll Travel System features a smooth-rolling stroller with a removable carrier seat.
When you're not rolling, you can easily carry your baby doll anywhere.
Four front wheels (2x2) swivel to make turning and corners a breeze.
Two fixed (not swiveling) rear wheels.
All the wheels have a PP plastic hub and EVA rubber tread.
Pink with White Polka Dots fabric.
Large and useful storage basket beneath the stroller holds all of your dolls clothes, toys, diapers, blankies, and more.
Storage basket has mesh sides so you can easily find that favorite toy or pacifier buried at the bottom.
Height adjustable handle to accommodate many ages and sizes of children.
Comfortable to push thanks to the thick rubber padding on the handle.
Handle height can go from 17.5 inches in lowest position up to 31.5 inches (from floor to top of handle) in highest position with many positions in between.
Handle adjusts by depressing the two buttons on the side and swiveling it to your preferred position.
Stroller/Carrier seat has soft, rubber padded front bar and an adjustable canopy with padded front edge.
Always buckle up for safety! Keep your doll in place using the three point harness with easy release buckle.
Additionally, fabric crotch panel keeps your doll from sliding out of the seat.
Is dolly fussy or it's time for a nap? The seat back is adjustable! It can recline from flat to fully upright and numerous positions in between.
Footrest panel is comfortable for your dolly's feet.
Seat easily removes from the stroller frame by pulling up and out until it releases from the side tracks.
Stroller folds for storage and travel.
Stroller frame features safety locks to prevent accidental folding.
To fold the stroller, release the two side locks and fold the stroller down while holding the safety locks out of the way.
Stroller folds with or without the seat attached.
For dolls up to 22 inches.
Spot clean stroller frame, basket and seat canopy as needed.
Fabric seat removes from the frame and can be machine washed cold, gentle cycle, air dry or hand wash gently and air dry (hand washing is recommended).
Fabric is 85% polyster/15% Cotton.
Metal frame is coated steel.
Some assembly required. Illustrated instructions included.
No tools needed for assembly.
For three years old and up.
Doll and accessories shown in the photos not included.
Meets all current, applicable safety standards.
This item is a toy only and is never to be used with real infants or pets.
Actual product may vary slightly from shown.
All measurements approximate.
Product includes a warranty of 30 Days Parts to the original purchaser.
This item ships in its original carton which may include a photo of the product.
/!\ WARNING: CHOKING HAZARD - Small parts. Not for children under 3 yrs.
STROLLER WITH SEAT OVERALL: 17 inches W x 21 inches D x 31.5 inches H with handle up; 25.5 inches H with handle folded down.
FOUR FRONT WHEELS: 5.5 inches in diameter
TWO REAR WHEELS: 6.5 inches in diameter
STORAGE BASKET: 11 inches W x 12 inches D x 5 inches H.
OVERALL CARRIER/SEAT: 12 inches W x 9 inches D x 24 inches H.
INTERIOR OF THE CARRIER SEAT: 9.5 inches W, seat back 15 inches H, seat bottom 5 inches D.
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Year of publication
Document Type
- Preprint (22) (remove)
Has Fulltext
- yes (22) (remove)
- Particle Methods (2)
- Boltzmann Equation (1)
- Domain Decomposition (1)
- Evolution Equations (1)
- Hybrid Codes (1)
- Numerical Simulation (1)
- Smoothed Particle Hydrodynamics (1)
Faculty / Organisational entity
- Fachbereich Mathematik (21)
- Fraunhofer (ITWM) (1)
Particle methods to simulate rarefied gas flows have found an increasing interest in Computational Fluid Dynamics during the last decade, see for example [1], [2], [3] and [4]. The general goal is to develop numerical schemes which are reliable enough to substitute real windtunnel experiments, needed for example in space research, by computer experiments. In order to achieve this goal one needs numerical methods solving the Boltzmann equation including all important physical effects. In general this means 3D computations for a chemically reacting rarefied gas. With codes of this kind at hand, Boltzmann simulation becomes a powerful tool in studying rarefied gas phenomena.
Transition from Kinetic Theory to Macroscopic Fluid Equations: A Problem fo Domain Decomposition and a Source for New Algorithms (1999)
In the paper we discuss the transition from kinetic theory to macroscopic fluid equations, where the macroscopic equations are defined as aymptotic limits of a kinetic equation. This relation can be used to derive computationally efficient domain decomposition schemes for the simulaion of rarefied gas flows close to the continuum limit. Moreover, we present some basic ideas for the derivation of kinetic induced numerical schemes for macroscopic equations, namely kinetic schemes for general conservation laws as well as Lattice-Boltzmann methods for the incompressible Navier-Stokes equations.
We discuss how kinetic and aerodynamic descriptions of a gas can be matched at some prescribed boundary. The boundary (matching) conditions arise from requirement that the relevant moments (p,u,...) of the particle density function be continuous at the boundary, and from the requirement that the closure relation, by which the aerodynamic equations (holding on one side of the boundary) arise from the kinetic equation (holding on the other side), be satisfied at the boundary. We do a case study involving the Knudsen gas equation on one side and a system involving the Burgers equation on the other side in section 2, and a discussion for the coupling of the full Boltzmann equation with the compressible Navier-Stokes equations in section 3.
Particle Methods (1994)


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Read our Lisbon city guide for information about eating out, things to do and much more.View Lisbon Guide »
The Travellers House is located in central Lisbon's city centre, (Baixa), within walking distance to all major... More Info »
Living Lounge can be found in the heart Lisbon's tourist district between the Chiado and Baixa district. Lisbon's... More Info »
LLH is located in the historical pedestrian area of Lisbon. Bairro Alto is also close by which offers the best night... More Info »
Lisbon started here … find yourself in Old Town, where you chill Out in the patio, relax in the hammock, or have a... More Info »
Ideally located at the boundary of Bairro Alto, we can provide astonishing views over Avenida da Liberdade, Baixa and... More Info »
Lisbon Old Town hostel is located in one of the 7 hills of Lisbon, in a 18th century building. There are 8... More Info »
Brand New Hostel!! Yes! Lisbon Hostel Introduces a new standard of quality for hostels; It features a brand new... More Info »
The Goodnight Hostel can be found in the heart of Lisbon's historical downtown area on a pedestrian street parallel... More Info »
Rossio Hostel can be found in the downtown area of Baxia with all of the city's major attractions on its doorstep.... More Info »
Come stay with us in a cosy and comfortable atmosphere - a home away from home. Plus, if you're traveling alone,... More Info »
Lisboa Central Hostel is located in the heart of city in Marques de Pombal . The hostel provides twin and dorm rooms... More Info »
Recently remodeled, Hotel DAH- D. Afonso Henriques is Lisbon's hidden gem, conveniently located just 10 minutes away... More Info »
The Hans Brinker Hostel Lisbon is a great place to go to if you want to have a fun stay in Lisbon's city centre.... More Info »
Located in the historical and most central part of Lisboa, Baixa-Chiado, the Lisb-on Hostel offers you the... More Info »
What better way to sleep than right in the heart of the poetic vein of Lisbon, its historical 'bairros' More Info »
Best location in Lisbon, Bairro alto, known for having the best restaurants, Fado houses, Live music, and Pubs, it´s... More Info »
Residencial Portuense, being totally renovated in 2009, is located in the historic area of downtown Lisbon, the Baixa... More Info »
Youth Hostel Parque das Nacoes can be found on the east side of Lisbon town and offers their guests a choice of 10... More Info »
A cozy and big apartment with 6 rooms in total. To set forth on a Lisbon discovery, there is no better place to... More Info »
Property with good access and accessibility, located in the center of lisbon where you find a space with relaxed and... More Info »
Video guides, travel podcasts, city maps & free city guides. What to eat, where to stay and things to do and see - our travel guides have it all.Find a guide »
We want to make sure that you get to explore as much of Paris as possible and that includes the nightlife scene. We've compiled some of the best places in Paris to check out if ...Read more »
We offer the most comprehensive selection of hostels on the internet with over 33,000 great places to stay in 170 countries. The ultimate online resource for hostels everywhere.Find great value hostels »


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Spain: holidays and beauty treatment on the Costa del Sol
Enjoy a dream holiday, improve your appearance and give yourself a boost. Do you like the idea? Then put aside a few days for yourself and come to Spain: apart from discovering the many attractive features of the country, you can achieve that look you've always wanted, with a very natural result. The Costa del Sol offers you an unbeatable combination of leisure and beauty.
There are many reasons why the Costa del Sol is one of the most popular destinations in the world. But in the last decade another reason has been added to the list: beauty treatments. Each year, more than five million tourists come to the south of Spain to enjoy the marvellous things that this part of the Mediterranean has to offer. Its privileged climate, magnificent beaches and wide range of leisure facilities are only some of the attractions. Now you can also give yourself a new look, while enjoying a few days of luxury.
Spain leads the European Union in the field of aesthetic medicine, and it is precisely the Costa del Sol which offers the best combination of improving your physical aspect while enjoying an unforgettable stay. If you've ever thought making a little adjustment to your appearance, rejuvenating your look or improving your body, this is the time to do it. Take advantage of your vacations and come to us: you'll discover a huge range of possibilities to make you fell good both inside and out.
An increasingly varied range on offer
You can choose between a wide variety of sophisticated and innovative treatments here, ranging from cosmetics to plastic surgery, and including techniques which require no surgery at all. You are always offered a personalised high-quality treatment meeting the strictest safety standards.
Apart from internationally famous clinics, there are also specialised centres equipped with all the facilities and comforts of a first-class residential complex. You also have the option of choosing five-star hotels with aesthetic medicine units, which also have the most modern technology and highly-qualified professionals.
More and more people are deciding to go for this attractive way of combining leisure and beauty treatment. If you want to have an ideal holiday, and at the same time to improve your image, the choice is clear: come to Spain and your satisfaction is guaranteed.


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Colo. teen pleads not guilty in girl's slaying
Associated Press
GOLDEN, Colo. (AP) – A Colorado teen pleaded not guilty Friday to murder and kidnapping in the kidnap-slaying and dismemberment of a 10-year-old girl that panicked Denver-area residents last fall – despite police testimony that the suspect confessed to the crime.
Austin Sigg, 18, stunned a courtroom by entering the not guilty pleas in the death of Jessica Ridgeway in the Denver suburb of Westminster. Sigg also pleaded not guilty to a May attack on a 22-year-old jogger at a lake in Jessica's neighborhood.
Sigg's not guilty pleas came despite his alleged confession and the discovery of some of the girl's remains at his home.
Jessica disappeared while walking to school on Oct. 5, leading parents to take extraordinary precautions to keep their children safe. Residents were encouraged to report suspicious behavior by neighbors.
If convicted, Sigg would face life in prison with the possibility of parole after 40 years. He cannot face the death penalty because he was 17 at the time of the slaying.
Sigg is charged with murder, kidnapping, sexual assault and robbery. Prosecutors added three counts of sexual exploitation of a child because child pornography was allegedly found during the investigation. Sigg denied to investigators that he sexually assaulted Jessica.
Jessica, a fifth grader, disappeared after she left her house to meet a friend two blocks away on their way to school. Hundreds of police and residents searched for her, and parents escorted their children to and from school. The FBI asked residents to report suspicious behavior by friends, neighbors and even family members. Her torso was found in a secluded park Oct. 10.
A resident contacted authorities Oct. 19 to report Sigg because he reportedly had a fascination with death, Westminster police Detective Luis Lopez testified at a preliminary hearing. Two FBI agents took a DNA sample from Sigg. His mother called 911 on Oct. 23, saying he wanted to confess. Lopez said Sigg's DNA was found on Jessica's clothing.
Investigators said Sigg told them that some of Jessica's remains were hidden in a crawl space in his mother's home, where he lived.
Detectives said he described how he abducted Jessica as she walked past his car, bound her arms and her legs, drove around for a little bit then took her to his house. There, he told investigators, he tried to strangle her and then used his hands to kill her. He also allegedly told investigators that he dismembered Jessica in a bathtub.
Lopez testified that Sigg attended a community college and took classes in mortuary sciences.
Jessica's father lives in the Kansas City, Mo., area.
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


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Wall Street crisis is culmination of 28 years of deregulation
WASHINGTON — No one cog in the federal government's machine of financial regulation let down the country by failing to prevent the latest shakeout on Wall Street. The entire system did.
"They just haven't done a particularly good job," said James Barth, a senior finance fellow at the Milken Institute, a nonpartisan research group based in Los Angeles.
Kathleen Day, a spokeswoman for the Center for Responsible Lending, a consumer-oriented research group, explained the regulatory lapses more starkly: "The job of regulators is that when the party's in full swing, make sure the partygoers drink responsibly," she said. "Instead, they let everyone drink as much as they wanted and then handed them the car keys."
Analysts and politicians are raising serious questions about the nation's financial regulatory system, which dates to the New Deal era.
On Monday, one Wall Street bank, Lehman Brothers, filed for bankruptcy protection and another, Merrill Lynch, sought comfort by selling itself to Bank of America for $50 billion. Earlier this year, the government helped enable the sale of faltering investment bank Bear Stearns to J.P. Morgan Chase, and more recently took over mortgage giants Fannie Mae and Freddie Mac.
Such troubles were supposed to have been prevented, or at least mitigated, by regulatory systems that the nation began to put in place after the banking system collapsed at the start of the Great Depression.
Many banks at the time were badly wounded by their personal and financial ties to securities trading. The 1933 Glass-Steagall Act, and later the 1956 Bank Holding Company Act, mandated the separation of banks, insurance companies and securities firms.
Those and many other federal laws stabilized the banking and securities markets, but by the 1970s, a stumbling U.S. economy led to a change in America's political-economic values. Ronald Reagan led a movement that came to power in 1980 proclaiming faith in free markets and mistrust of government. That conservative philosophy has dominated America for the past 28 years.
Even after taxpayers had to rescue deregulated savings and loans, or S&Ls, with a $200 billion bailout in the late 1980s, the push to loosen regulation paused only briefly.
In 1999, President Clinton signed the Financial Services Modernization Act, which tore down Glass-Steagall's reforms by removing the walls separating banks, securities firms and insurers.
Under President Clinton and his successor, the government became eager to promote home ownership. Interest rates were low, the market grew for loans to borrowers with weak credit and private-sector mortgage bonds boomed. About 38 percent of those bonds were backed by subprime loans. They are at the root of today's financial crisis.
A generation ago, banks, credit unions and S&Ls issued home mortgages that they retained on their books as an asset. The lenders had a stake in receiving full repayment of the loans from creditworthy borrowers.
But in recent years, mortgages began to be sold to firms that cobbled the loans together to create mortgage-backed securities, or mortgage bonds. Loans to the least creditworthy borrowers carried the highest risk but gave the highest returns, so banks and other institutional investors bought loads of them. Except no one was policing the creditworthiness of the borrowers.
The process helped more people buy homes, and a booming mortgage-bond market, led by investment banks, was in full swing by 2005.
When borrowers who had secured loans with adjustable interest rates, however, found their rates going up, many were unable to pay. That meant that holders of bonds backed by these mortgages were stuck with securities worth much less than their face value — or nothing at all. That created a solvency crisis for the banks that loaded up on them — and virtually all of them had.
Some regulatory agencies issued warnings, but credit-rating agencies still said that the bonds — and the banks that issued and bought them — were safe. It turns out, of course, that many were not.
"There was a view that the secondary market excesses could be prevented by the broader application of risk-evaluation models by the investment firms," said Barry Bosworth, senior fellow in economic studies at the Brookings Institution, a Washington think tank. "In fact, risk evaluation is more of an art than a science, and the (private-sector) institutions fooled themselves," said Bosworth, a former adviser to President Jimmy Carter.
With Congress eager to expand home-ownership, regulators felt pressure to deal lightly with mortgage loans to low-income households, and virtually no one proposed national regulation of non-bank lenders or mortgage brokers.
Had regulators questioned sub-prime lending, they would have been harshly criticized, said Edward Kane, a professor of finance at Boston College.
"Imagine what congressional committees would have said," Kane said. "They would have asked about affordable housing. It was a no-win situation for regulators,"
Warning signs began to appear. At least nine federal agencies oversee some part of the mortgage market, and from 2004 to 2007, at least three had issued warnings about risky loans.
Still, none was willing to end the financial revelry.
"It was another example of an asset bubble that appears periodically. An economy will disregard risk, and when people see another investor making money by investing in an asset, others will throw caution to the wind," explained Nicolas Bollen, professor in finance at Vanderbilt University's Owen Graduate School of Management in Nashville, Tenn.
In such an environment, said Day, of the Center for Responsible Lending: "No one wanted to kill the goose that laid the golden egg."
In reversal, Washington seeks more financial regulation


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Hottest Photos From SXSW 2012
From music industry veterans to the buzziest of bands, the South by Southwest Music Festival in Austin, TX has expanded from a music showcase to a full-blown entertainment and interactive experience. Stars from music, film, and media converge to perform, promote, and party their way through the 9-day extravaganza and we're there to cover all it all! Check back for more highlights from this year's SXSW.


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Hey, fashion fans! As the NYFW shows have ended and there are countless other places covering the ongoing scene, I'm putting The Fashion Informer on hiatus unti the next round of shows in September. Have a wonderful summer and I'll see you in the fall.
illustration of The Fashion Informer by Lana Frankel


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This is a petition to stop horses being transported from the US for slaughter. They go thru inhuman treatment. Barely get any water or food. Left to suffer. Transported in double decker trailers unable to hold their heads up properly. They are forced to keep their heads down. many of them end up crippled. They way they are kill is horrible. Some with a 22 shot gun. They have to shoot them several times before they go down. Some of them are still alive and moving when they are ejected out of the kill shoot to be bled out. They are also stabbed in the spinal cord several times before they fall. Still well aware of what is happening to them. There are some that have been hit with the kill bullet up to 11 times before they are moved to be bled out and cut into pieces for people to eat. Not all of them are throw away horses. about 95% are perfectly good horses. Well broke, friendly, young, and even pregnant ones are sent their. Not by their owners either. many slaughter houses out bid families that can give them a loving home. This needs to end. There is 10 horses killed for ever one person that desperately wants one. Thousands of horses are shipped to Canada an Mexico each year for their meat. What these poor animals go thru is a case of animal abuse. This needs to be stopped. They are living, breathing beings. They do not deserve this.
Shelly Cowan
This petition closed almost 4 years ago
Many mares are at these feed lots waiting to go to the slaughter in Canada. Allot of them foal still foals. They are beaten, starved, and neglected. I would like to stop the feed lots in the US...
Many mares are at these feed lots waiting to go to the slaughter in Canada. Allot of them foal still foals. They are beaten, starved, and neglected. I would like to stop the feed lots in the US from transporting them for slaughter. Not all of them are throw away horses. most of them are good family horses, registered, broke, and all around sweet horses.


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Travel agent information
Information to send to your travel agent
To earn Blue Credits, the BlueBiz number of your company must be specified in the reservation of the person travelling.
Where and how should your travel agent include the BlueBiz number in the reservation?
The BlueBiz number has to be inserted in the OSI field according to the following entries:
Technical format (for travel agents)
For Amadeus - OS YY OIN XX12345
For Galileo - SI.YY*OIN XX12345
For Sabre - Worldspan - Abacus - Infini - 3OSI YY OIN XX12345
Others - OSI specific GDS followed by YY OIN XX12345
XX12345 stands for the BlueBiz number. Please note that in order to earn Blue Credits, the ticket must be bought in the country of BlueBiz membership and the BlueBiz number should be included in the reservation before the ticket is printed.
You can use the information above to send to your travel agent and ensure that you earn Blue Credits every time your travel agents books your flight.


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Anchor Desk, Reporter
Age 61/Ham nearly 47 yrs since age 14 - Born in NJ. FL resident since 1967.
Still working: RF Voice & Data Comm Systems Tech & Interference Investigator for large FL electric utility. Active on SSB/ESSB. Devoted to traditional CW sending methods.
Licensed since April 1965, I enjoy CW ragchewing and experimenting with High Fidelity SSB (some call it Enhanced SSB.)
I'm either ragchewing on 40M SSB (7150 +/- 20 kHz) or lurking the around the higher end of the CW subband on 40, 80 & 20 meters after 10 PM Eastern time any night of the week. I'm always looking for a good ragchew. I enjoy using bugs and straight keys. If lucky enough to get into a High Speed CW QSO (30-45 WPM) either a bug, electronic keyer or CW keyboard (or all three!!!) will be used.
As an RF Tech, I like to talk TECH. As an Interference Investigator, I'm happy to answer your questions about POWER LINE INTERFERENCE and other forms of RFI.
There are few things in life that are more satisfying than getting to know the operator at the other end of the QSO and creating a new friend in Ham Radio.
Since 2009, I've been a newsreader and occasional anchor for the AMATEUR RADIO NEWSLINE. Please support AR NEWSLINE by making a donation to this valuable ham radio news service at http://www.arnewsline.org. Listen to the program each week for the latest news in Ham Radio.
Since February 2006, I've been active in the Straight Key Century Club (http://www.skccgroup.com) and have expanded my collection of straight keys and bugs. One of the great pleasures of hamming for me is mastering these machines. My goal is to send code on a straight key that is as close to perfect as I can make it. I hope to be able to send nearly perfect CW on a bug at 35 to 40 WPM. I have a long way to go!
Another favorite aspect of the hobby is Mobile & Portable HF Operation. Getting out of the house, promoting ham radio and just having fun is what it's all about.
I travel around northeast Florida in my work van equipped with HF. I especially enjoy Mobile HF CW. My work brings me into contact with many hams in the region. Some of my best encounters have been with Hams for whom I have been able to resolve serious power line interference issues.
Radio has been and always will be my passion. Other interests include recumbent tricycling (mostly on paved trails) and aviation. I'm an Instrument rated Private Pilot but don't fly much anymore.
Home Rig: Flex Radio Systems Flex 5000A (E/SSB) or Icom IC-756ProIII (CW) or Icom IC-756ProII (Digital), Alpha 78 Amp (1500W), DXBlaster 40M Cage Antenna at 35 feet or PalStar BT1500A Balanced L Tuner & Ladder Line-fed Full Wave 80 Meter Loop Antenna (Rectangle shaped & height averages 30 feet.)
HF Rig Audio Rack includes: RE-27ND microphone, Symetrix 528e Voice Processor, TC Electronic DBMAX 5 band Level Maximizer/EQ/Limiter, Lexicon MPX550 Reverb. Output of the rack is fed directly to the Balanced Line input of the Flex or via a W2IHY iBox to the Balanced Modulator Direct Input on the rear of the Icom IC-756ProIII (when the Flex is offline.)
I use Ham Radio Deluxe for logging and basic rig control. For digital modes, I use a variety of programs but MIXW is my favorite.
Mobile Rig: IC7000, 100W HF, Hi-Q 4/80 screwdriver style antenna on 2004 Ford E250 Van. Operate Mobile HF CW almost exclusively using the Palm Radio Code Cube Keyer with integrated Mini-Paddle.
Ham Radio has provided so many satisfying moments in my life that I could never repay the debt I owe to this avocation. The world of joy, good friends, public service and technical involvement cannot be matched by any other pursuit.
My thanks to the many hams who have made the last 46 years so much fun!
Frank N. Haas KB4T
ARRL Life Member -- more than 45 Years
A1-Operator, Rag Chewers Club
Daytona Beach Amateur Radio Assn, Life Member
Flying Pigs 881
Adventure Radio Society 1862
QSONet (Ask me about this!!!)
Hamsphere (Ask me about this!!!)
AR Newsline Reader & Occasional Anchor


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Out of 158 nations, Canada ranked 5th in the third world happiness report, which analyzes well-being through measures such as life expectancy, per capita incomes and perceptions of corruption.
Canada ranked higher than last year in five categories: healthy life expectancy, social support, corruption, generosity, perceptions of corruption and freedom to make life choices. Read the full report here.
Did you know that CENTURY 21® has offices around the world . . .
The CENTURY 21® Brand is the most recognized name in real estate today.
Made up of approximately 6,900 independently owned and operated franchised broker offices in 75 countries and territories worldwide and represented by 102,000 real estate professionals, the CENTURY 21 Brand has a global reach. But the real story is beyond numbers. It's about shared values, beliefs, and hard work from everyone who is a part of the CENTURY 21 organization.
Our clients have come to expect only the best from our team. We deliver this by understanding their goals and then adopting them as our own. We've maintained our high standards by attracting some of the finest real estate professionals in the world, then helping them offer excellent service to customers.
As the most recognized consumer brand name in the real estate industry, the CENTURY 21 System has a heritage of professionalism, dependability, and customer understanding which have become synonymous with the CENTURY 21 gold standard.
If you are considering a move, please contact CENTURY 21 Dome Realty Inc. and we will put you in touch with one of our trained sales professionals.
Working with a CENTURY 21 Dome Realty can be very rewarding. When you Buy or Sell with the the help of one of our sales professionals in 2015 you are automatically eligible for our monthly AIR MILES® giveaway? Click here for full details.


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The Bold and the Beautiful Season 32 Episode 220
The saga of high fashion glamour, honor, romance, passion, and most importantly, family.
Views: 13
Series: The Bold and the Beautiful
Star: John McCook, Katherine Kelly Lang, Ronn Moss, Susan Flannery
Episode Title: S32E220
Air Date: 1987
Year: 1987


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Boulder Canyon reopened at 5:18 p.m. Sunday, after road crews worked for more than three weeks to repair the damage from last month's historic floods.
Colorado 119, the only direct link between Boulder and Nederland, has been closed since Sept. 12, the second day of rainy weather that shattered records and caused extensive damage in the region.
The route through Boulder Canyon suffered significant damage to the road surface and rights of way, the state Department of Transportation said Sunday. Repairs on Colorado 119 finished a week ahead of schedule, according to the state highway department.
Other major roadways in Boulder and Larimer counties remain closed, including U.S. 34 and U.S. 36. Gov. John Hickenlooper and CDOT officials are expected to visit Colorado 119 on Monday morning and talk about the timetable for restoring those roadways and others damaged by the floods.
Colorado officials estimated last week that it could cost $475 million to mend flood-damaged county, state and federal roads and bridges.
Last month's floods were the result of record-breaking rainfall totals between Sept. 11 and Sept. 16.


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In this game for two players, the aim is to make a row of four coins which total one dollar.
A game for 2 or more players. Practise your addition and subtraction with the aid of a game board and some dried peas!
Throw the dice and decide whether to double or halve the number. Will you be the first to reach the target?
A game for 2 people. Use your skills of addition, subtraction, multiplication and division to blast the asteroids.
This is an adding game for two players.
First Connect Three game for an adult and child. Use the dice numbers and either addition or subtraction to get three numbers in a straight line.
A game for 2 players. Practises subtraction or other maths operations knowledge.
Can you use the numbers on the dice to reach your end of the number line before your partner beats you?
Strike it Out game for an adult and child. Can you stop your partner from being able to go?
Use your addition and subtraction skills, combined with some strategic thinking, to beat your partner at this game.
A shunting puzzle for 1 person. Swop the positions of the counters at the top and bottom of the board.
A game for 2 people using a pack of cards Turn over 2 cards and try to make an odd number or a multiple of 3.
Try this matching game which will help you recognise different ways of saying the same time interval.
In this matching game, you have to decide how long different events take.
A game for 2 or more players with a pack of cards. Practise your skills of addition, subtraction, multiplication and division to hit the target score.
An old game but lots of arithmetic!
Hover your mouse over the counters to see which ones will be removed. Click to remove them. The winner is the last one to remove a counter. How you can make sure you win?
Four Go game for an adult and child. Will you be the first to have four numbers in a row on the number line?
Shut the Box game for an adult and child. Can you turn over the cards which match the numbers on the dice?
In this game, you can add, subtract, multiply or divide the numbers on the dice. Which will you do so that you get to the end of the number line first?
Have a go at this game which involves throwing two dice and adding their totals. Where should you place your counters to be more likely to win?
Here is a chance to play a version of the classic Countdown Game.
Match the halves.
This is a challenging game of strategy for two players with many interesting variations.
This is a game for 2 players. Each player has 4 counters each, and wins by blocking their opponent's counters. A good follow-on from two stones.
Take it in turns to place a domino on the grid. One to be placed horizontally and the other vertically. Can you make it impossible for your opponent to play?
The game uses a 3x3 square board. 2 players take turns to play, either placing a red on an empty square, or changing a red to orange, or orange to green. The player who forms 3 of 1 colour in a line. . . .
A game for 2 or more people. Starting with 100, subratct a number from 1 to 9 from the total. You score for making an odd number, a number ending in 0 or a multiple of 6.
A train building game for 2 players.
A card pairing game involving knowledge of simple ratio.
Advent Calendar 2010 - a mathematical game for every day during the run-up to Christmas.
Can you make the birds from the egg tangram?
Train game for an adult and child. Who will be the first to make the train?
Who said that adding, subtracting, multiplying and dividing couldn't be fun?
Who said that adding couldn't be fun?
Board Block Challenge game for an adult and child. Can you prevent your partner from being able to make a shape?
Totality game for an adult and child. Be the first to reach your agreed total.
Stop the Clock game for an adult and child. How can you make sure you always win this game?
Incey Wincey Spider game for an adult and child. Will Incey get to the top of the drainpipe?
Some Games That May Be Nice or Nasty for an adult and child. Use your knowledge of place value to beat your opponent.
Here is a version of the game 'Happy Families' for you to make and play.
Factors and Multiples game for an adult and child. How can you make sure you win this game?
Dicey Operations for an adult and child. Can you get close to 1000 than your partner?
In this game for two players, you throw two dice and find the product. How many shapes can you draw on the grid which have that area or perimeter?
In this game for two players, the idea is to take it in turns to choose 1, 3, 5 or 7. The winner is the first to make the total 37.
Here are a collection of games from around the world to try during the holidays or the last few weeks of term.
You'll need two dice to play this game against a partner. Will Incey Wincey make it to the top of the drain pipe or the bottom of the drain pipe first?
Design your own scoring system and play Trumps with these Olympic Sport cards.
A fun puzzle with tantrix tiles.
A game for 1 person to develop stategy and shape and space awareness. 12 counters are placed on a board. Counters are removed one at a time. The aim is to be left with only 1 counter.


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Empty Cart?Find Your Rolex
|Regular Price:
|Item Number:
|128063 x
|Rolex Batman
|Condition: (What's This?)
|Model Name/Number:
|GMT-Master II - 116710BLNR
|Random - 2013 or newer
|Automatic 3186
|Stainless steel w/ 24 hour ceramic black and blue (Cerachrom) bezel (40mm), inner reflector ring engraved w/ serial number
|Black w/ luminescent hands and hour markers, blue GMT hand
|Stainless steel Oyster w/ Oysterlock safety clasp and Easylink 5mm comfort extension link
|Box & Papers:
|Rolex box, booklet, hang tag, polishing cloth, and Bob's Certificate of Authenticity
|This pre-owned Rolex comes with Bob's Watches one year warranty
|Return Policy:
|If not 100% satisfied, return watch in 3 days for a full refund. Terms.
This pre-owned Rolex watch is on overall excellent pre-owned condition with only minor surface wear to the bracelet/clasp.
By Paul Altieri
The newest variation of the GMT Master II hit the market in the early 2000's, bringing with it a brand new case, bracelet, and movement. The case itself is referred to by collectors as a "Super Case" and boasts the same 40mm measurement that collectors are used to wearing but with broader lugs and a solid construction. Similarly, the bracelet now offers more solid components to balance the weight of the case, creating a watch that feels impressive without overtaking the wrist. The bezel on this secondhand Rolex has also been upgraded and includes a black and blue "Batman" Cerachrom insert crafted from tough ceramic. Together with the broader case, a maxi dial topped with larger hour markers and hands, and a ceramic bezel, the result is a noticeably more modern take on the classic GMT Master II.
*All Pre-Owned Rolex watches are guaranteed to be 100% genuine and certified authentic. All watches are shipped to fit the average size wrist (7 1/4" - 7 1/2" for men and 6 1/4" - 6 1/2" for women). Additional links can be purchased if needed.
|5 star
|4 star
|3 star
|2 star
|1 star
Killer ! Looks news
I couldn't get this at my local AD. Bob's has plenty though. Thank you, thank you, thank you!
This is my second purchase from Bob's... service was amazing prompt processing and delivery. My GMT II Batman is in perfect condition beautiful as can be!
Exceptional. Purchased online Saturday, paid via wire and watch was delivered before 10:30 AM East Coast Time on Tuesday morning! Watch was in unbelievable condition...just as described. Couldn't be more satisfied with my experience.
Watch looks brand new
The watch was impeccable. It was essentially a new watch just over 6 mos old. I could not find a Batman at local Rolex dealers but I found one just as good at Bob's.. I received the GMT-Master the day after I sent payment. Amazing service. I couldn't be happier. Will buy from Bob's next time too.
Beautiful watch. The 116710 is in amazing condition
Service from answering my phone call, scheduling an appointment and to the in store experience was perfect. I am a first time customer at Bob's, but Carol Altieri and Melissa certainly didn't make me feel that way. Bob's has earned a customer for life. The 116710BLNR is my first Rolex, and what is there not to love. This mono-block cerachrom bezel through Rolex's patented process is absolutely stunning. Polished center links just add to the bezel's statement. The watch, Box and Papers were in pristine condition. The 116710BLNR is worth every dollar.
A new GMT Batman?! Yep, thanks to this amazing website! Local Rolex AD said "we're not taking anymore names for the wait list for the Batman 116710." This was despite purchasing a Rolex previously from this AD. SO, I hopped on Bob's and in 30 seconds had a brand new Batman ordered. Sure, it was a bit over msrp, but if one considers the sales tax, it was actually less than 1k over, for a watch I absolutely could never have found locally. Bob's rocks- have bought and sold watches with them. This Batman is a stunner.
Great Service. Great Delivery. Great Product. You Get What You Pay For!
The truth was that I was a little nervous about buying a watch on the internet. Bob's Watches have served me well. No reason To buy AD watches anymore. My Batman looks brand new. Already planning my next purchase.
I actually live in Costa Mesa so I drove to Bob's in Huntington Beach. Picked up watch and was in perfect shape. Employees are always nice and well educated whether you call them direct or go to actual storefront. I know I can buy a watch from different state and not pay tax but I trust this company. Too many fake Rolex's out there in this age. Not worth the risk to save $800. Keep on doing what your doing Paul. I'm in hope of getting 12260 in the next month so see you soon.
Shipping, speed.
Saw watch on web. Called to make sure it was still available. Purchased by wire transfer. 5 mins. Drive to store 30 mins. Picked up watch 15 mins. 4 days in, "watch folks" ask, evey other day, "nice watch! Those are hard to find." I told them not hard to find at Bob's Watch.
Easy to use and follow through was great. Watch received in condition advertised.
I've always loved the black and blue combo of the Batman, and I finally found one at Bob's at a great price. When I ordered my GMT, I paid through wire and got my watch in the mail the next day. I was a little worried about shipping through the mail, but it arrived in MINT condition.


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Sprint Cup driver Bowyer, crew chief staying put with Michael Waltrip Racing
Michael Waltrip Racing got some much-needed good news Monday.
The organization announced Sprint Cup Series driver Clint Bowyer, his crew chief, Brian Pattie, and the team's sponsorhad signed multiyear extensions to remain at MWR through 2017.
"This is big news for all of us," Bowyer said in a statement. "It creates great stability and excitement about what the next few years can bring.
"MWR is my racing home and continuing this relationship with 5-Hour Energy was a high priority. It's time to put the paperwork in a drawer and focus on winning."
The trio joined MWR during 2012 and Bowyer has earned three wins and twice qualified for the Chase for the Sprint Cup, including a runner-up finish in 2012. Last season, Bowyer's No. 15 was involved in a cheating scandal that cost MWR longtime sponsor NAPA and subsequently driver Martin Truex Jr.
"Since the first day 5-Hour Energy, Clint and Brian showed up at MWR, we have been a contender for wins and championships," said team co-owner Michael Waltrip.
"I am so thankful that we get to continue and add to what we have built. I am most happy for the employees of MWR who are the foundation of everything we do."
The sponsorship will cover 24 of each season's 36 races. MWR also fields the No. 55 Toyota team with driver Brian Vickers.
Bowyer, whose extension was for three years, will make his 300th Cup series start Saturday night at his home track, Kansas Speedway.
Truck series sponsor extends: NASCAR announced it reached a seven-year agreement with Camping World to remain the title sponsor of its Truck series through the 2022 season.
The deal ensures Camping World will own exclusive sponsor rights for 14 consecutive years, equaling the longest in the history of the series, which began in 1995.
"Six years ago we felt strongly that the sponsorship would dramatically increase our customer base and it's delivered. We expect to see continued success in the coming years," said Camping World and Good Sam Enterprises chairman and CEO Marcus Lemonis.
Founded in 1966, Camping World sells recreational vehicles, camping accessories, RV maintenance and repair, and Good Sam is a RV owners organization which offers technical tips, vacation planning, extended warranties and roadside assistance.
"I wish I could have done longer, but I don't know if I am going to be alive in seven years so seven was good," Lemonis told The Associated Press. "I'm a bit of a planner when it comes to marketing and I knew if we weren't going to do it, we needed to let NASCAR know so they'd have ample time and we needed to have a backup plan."
According to Experian Consumer Research, NASCAR fans are 40 percent more likely than non-fans to go camping.


text: Chick flicks feel ubiquitous, but their appeal to women has been wearing off. So, how does Hollywood respond? By trying to attract a more male audience to chick flicks, of course! When talking about the upcoming Confessions of a Shopaholic one producer says: "If we do our job right, this could be another Wedding Crashers." Ah yes, the tale of an overspending, searching-for-love young lady who dresses in pink rainbow-ruffled disaster-outfits will surely reel in that coveted 18-35 straight male demographic. That's why SATC was such a big hit with dudes. [NYT]


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Famous Soccer Players from Argentina
Check out this extensive list of the best soccer players from Argentina. List includes the top soccer (or "football") players from Argentina, along with photos when available. This list of best Argentinian soccer players is ordered by popularity, so only the greatest players are at the top of the list. If you're searching for a particular famous Argentinian soccer player you can use the "search" box to find what you're looking for.
Examples include Walter García and Roberto Sosa.
This list answers the questions, "Who are the best Argentinian footballers?" and "Who is the greatest Argentinian soccer player of all time?"
You can click on the names of these popular soccer players of Argentina in order to get more information about each one. If you're a sports lover then you can use this list of popular Argentinian soccer players to discover some new athletes that you might really enjoy watching.


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by Mark Jagord, sports information assistant
MILLEDGEVILLE, Ga. – The Georgia College softball team (2-2) began and ended the 2014 Bobcat Blast Tournament with a shutout win. This time the Bobcats dropped the opener against Queens University (2-2), 4-3, before winning the second game 3-0 Sunday at the Peeler Complex.
On the second day of the second month, each participating team in the tournament won and lost twice. In the first game, the Royals scored all four runs in the third inning and barely held off a late Bobcat rally. Georgia College came up just short in the last inning getting five hits and scoring three runs.
The rally began when sophomore Danielle Knight (Dudley, Ga.) started the seventh inning with a double to centerfield. Then, Senior Emily Hammond (Gainesville, Ga.), freshman Danielle Bernstein (Cumming, Ga.), senior Whitney Okvist (Kennesaw, Ga.), and sophomore Kristen Brooks (Brunswick, Ga.) all added singles, with the latter two each accounting for a RBI, respectively. Sophomore Abi LeRoy (Dublin, Ga.) brought in the third run on a sacrifice, but the late attempt to even the score would end there. Marisa Boyette (Marietta, Ga.) took the loss in allowing six hits. Both Okvist and Brooks ended the opener with a pair of singles each to account for the Bobcats' seven hits.
In the second game, Georgia College's first and last times at bat produced runs. In the first inning, Okvist led off with a bunt-single. LeRoy's sacrifice fly to leftfield scored Okvist for an early 1-0 lead that would hold until the end. There would be no further scoring until the Bobcats added some insurance in the bottom of the sixth.
Senior Whitney Horton (Acworth, Ga.) hit a towering two-run homer to leftfield to provide the Bobcats with some breathing room heading into the final inning. Horton's second home run of the season came as a pinch hitter as she scored LeRoy earning a pair of RBI. The Bobcats looked stealth defensively allowing only three hits as freshman pitcher Faith Flanders (Dublin, Ga.) recorded the shutout-win.
Georgia College takes to the road for its next five doubleheaders starting with a pair of games at Albany State University (Ga.) Saturday, Feb. 8 slated to start at 1 p.m.
The Georgia College Department of Athletics, two-time winners of the PBC Commissioner's Cup, sponsors 11 varsity athletic programs at the NCAA Division II level. As a Division II program, Bobcat Athletics prides itself on balancing the life of the student-athlete, evidenced by the teams' multiple appearances in post-season competition as well as documented academic success and community-service involvement. Sign up at @GCBobcats on Twitter and Facebook for up-to-the-minute reports, and visit GCBobcats.PhotoReflect.com to purchase photo prints from home athletic contests.


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Andrew Compton died 2 years ago today and his body remains missing.Read More
R.A.P Child/Dog Safety Protocol
Teach Your Child to RAP around Dogs: R.A.P. Child/Dog Safety ProtocolRead More
KYK9 Blog
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KYK9 Search and Reunite Services | 1941 Bishop Lane, Ste 707, Louisville, KY 40218, 502-295-7972


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2016 (Senior)
Appeared and started in 54 of the Spartans 59 games… Named SoCon First Team All-Conference, just the fifth player in league history to be a four-time first team selection and first for UNCG… picked as SoCon Preseason Player of the Year and First Team… named CoSIDA Academic-All District III… led the team in batting average (.411), hits (72), runs scored (53), doubles (18), home runs (16), slugging percentage (.811) and on base percentage (.480)… named SoCon Player of the Month in March and earned Player of the Week honors twice (4/11-14) and (4/25-5/1)… named SoCon Student Athlete of the Week 4/27-5/3)… broke a 20-year home run record in the second game of a double header against Bryant (3/15) after tying it with two home runs in the first game of the series… began the season on a five-game multi-hit streak… had three multi-home run games… homered in back-to-back games on three occasions… led the team with 22 multi-hit games including seven three-hit and two four-hit games… had 11 multi-RBI games, second on the team… had a seven-game hit streak during the season and reached base safely in 11 games… finished her career as the all-time leader in career batting average (.382), runs scored (189), hits (257), home runs (57) and slugging percentage (.728)… ranks second in career doubles (52), RBI (186) and walks (92)… her 673 career at bats rank 10th in program history and she holds the single-season home run record (17) in which she set her freshman year… ranked 24th in home runs nationally and 54th in batting average…
2015 (Junior):
Saw action in 46 games, starting 46 at catcher or DP ... named NFCA All-Mideast Region second team ... selected SoCon first team All-Conference as a catcher ... hit .345 with 51 hits, 30 runs scored, 10 doubles, 11 home runs and a career high 52 RBI (fifth best in school history) ... had a career-best fielding percentage at .989 ... led the team with 14 games with multiple runs batted in ... had multiple hits in 12 games ... tied for the team lead with four home runs against conference opponents ... hit .360 in league play with a team best 17 RBI ... blasted a three-run home run against UC Riverside (March 6) ... threw out 13 base runners for the second straight season ... picked up five hits, a home run and four RBI in a three-game series at Chattanooga (March 21-22) ... delivered a home run in three-straight games at Appalachian State (April 22), a walk-off two run home run against ETSU (April 25) and a home run with four RBI against ETSU (April 25) in game two of a doubleheader ... went 4-for-7 with two home runs and seven RBI in a doubleheader against Radford (April 28) ... collected a hit against Mercer (May 6) in the SoCon Tournament ... launced a go-ahead three run home run versus ETSU (May 7) in a elimination victory at the SoCon Tournament ... was awarded a SoCon Commissioner's Medal (3.5 GPA or higher) ... made the SoCon honor roll.
2014 (Sophomore):
Played and started in 56 games ... selected NFCA Mideast All-Region second team ... named first team All-SoCon as a catcher ... hit a career best .388 on 71 hits (fourth best), 57 runs scored (second most in a single-season), 17 doubles (third best), 13 home runs and 49 RBI (sixth best) ... threw out 13 base runners ... had a five-game hitting streak from Feb. 8 through Feb. 18 ... hit her first home run of the season against Hampton (Feb. 23) ... went 2-for-4 with a double and two RBI against UNCW (Feb. 28) ... hit two doubles against Brown (Mar. 1) ... was 1-for-2 with two runs scored and an RBI against North Carolina A&T (Mar. 5) ... went 3-for-4 with two doubles, two RBI and two runs scored in game two against Gardner-Webb (Mar. 11) ... was 2-for-3 with a double and two RBI against Samford (Mar. 22) ... had two hits, three runs scored and an RBI doubles in the series finale against Chattanooga (Mar. 30) ... In the final two games against Furman (April 5-6) drove in four RBI on seven hits, five runs scored, two doubles and two home runs ... had four hits, a home run, three runs scored and two RBI in the doubleheader against UNCW (April 9) ... hit a three run home run in game two against Western Carolina (April 12) ... was 3-for-7 with a RBI triple and and two runs scored in a doubleheader at Charlotte (April 16) ... had a 3-for-4 effort with an RBI in game two against Charlotte (April 23) ... picked up nine hits, nine runs scored, six RBI and two home runs (all in game one) in the three-game series at Appalachian State (April 26-27) ... was named SoCon Player of the Week after helping UNCG sweep App. State (April 28) ... went 5-for-9 with five runs scored, a double, her eighth home run and six RBI in a three-game sweep against Elon (May 3-4) ... named SoCon Player of the Week for the second-straight week (May 5) ... named to the SoCon All-Tournament team for the second-straight season after breaking a tournament record with five home runs in six games ... hit two home runs against Elon (May 8), hit two home runs against Georgia Southern (May 9) in the semifinals and hit a solo shot against Chattanooga (May 10) in the championship game ending Katie Henderson's scoreless innings streak ... had nine hits, five home runs and nine RBI in the tournament ... finished the season on a 22-game on-base streak and reached base in 47 of the 56 games.
2013 (Freshman):
Became the first Spartan to be named SoCon Freshman of the Year ... also first team All-SoCon as a catcher and made the All-Freshman team ... started 56 games, finishing first in average with a .377 mark on 63 hits, 49 runs scored (fourth-best in school history), 11 doubles, 17 home runs (23rd in the nation), 45 RBI (fifth-best in school history) and a .760 slugging percentage (best in school history) ... had 18 multi-hit games and 13 multi-RBI contests, both best on the team ... first career hit was a solo home run against George Mason (Feb. 9) ... had the game-winning solo home run at Charleston Southern (Feb. 9) ... went 2-for-2 with another game-winning two-run home run against George Mason (Feb. 10), hit a home run in three-straight games ... had a 11-game hitting streak to open the season ... named SoCon softball Player of the Week (Feb. 11) ... had another solo home run against Eastern Illinois (Feb 16) ... picked up second SoCon softball Player of the Week award (March 4) after hitting a walkoff three-run home run to defeat Dayton (March 1) ... went 2-for-4 with a two-run home run against Monmouth (March 3) ... broke up a perfect game with a solo home run against Virginia (March 3) ... had two home runs against Samford (March 9) in game one and two hits in game two ... had four hits, three runs scored, five RBI and two home runs in the series against Western Carolina (Mar. 16-17) ... went 2-for-5 with five runs scored, three RBI and two home runs in the doubleheader against North Carolina A&T (Mar. 21) ... tied the school record with her 14th home run against UNCW (April 16) ... picked up four hits, four RBI and three runs scored in the series against Chattanooga (April 20-21) ... went 3-for-7 with two runs scored and a solo home run to break the school record for most home runs in a season ... had four hits with two home runs in the SoCon Tournament (May 8-11), landed on the All-Tournament team ... reached base in 50 of 56 games.
High school
Played four years as a catcher at Northwood High School in Irvine, Calif. … Led her team to the Pacific Coast League title, first in school history, hitting 11 home runs her senior season …MVP of the all-city softball team and MVP of the PCL … also played in the coaches all-star game, finishing second in the home run derby with eight homers … hit a team-best .480 with 28 RBI and eight home runs as a junior, breaking Northwood High School's career homer record with 24 … She was a first-team All-Pacific Coast Conference selection and was a scholar-athlete in addition to earning a spot on the Irvine World News All-City team … played junior varsity volleyball and ran cross country for the Timberwolves … played summer ball with the Firecrackers out of Long Beach, Calif., for a year.
Lindsay Michelle Thomas... born Feb. 12, 1994, in Irvine, Calif. ... daughter of David and Carol... has two siblings, Laura and Nicole … twin sister Nicole is a pitcher and teammate at UNCG … older sister Laura played softball for one year at Northwood … major is psychology.


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Wearable Computing Conference 2014 San Francisco: How Wearable Technologies are Revolutionizing Mobile Wireless Internet, Healthcare and Fashion, September 16
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Caricature Master Steve Cutts
I love caricatures, they outline the most interesting features of the person's face and in result make it more entertaining to look at. Living in New York I see caricature artists fairly often as they draw tourists who are willing to laugh at them selves. [ Continue Reading ]


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Ed's Blog
Will U.S. trade deal with Europe threaten our safety and pocketbooks?
UPDATE (15 June 2013): A variety of recent news stories explain concerns about the viability of the proposed trade deal with Europe being pushed by powerful special interests. I explain our deep concerns on a variety of flaws in the proposal in a story on the website of Germany's national TV network Deutche Welle (DW). More on the issue is here in a story from McClatchy Newspapers featuring some of PIRG's concerns. Steve Erlanger of the New York Times writes that "Conflicting Goals Complicate an Effort to Forge a Trans-Atlantic Trade Deal." And, in the Washington Post, Howard Schneider explains that the NSA's privacy intrusions and the revelation that unapproved genetically modified wheat has been found in Oregon aren't helping the U.S. case for a trade deal.
ORIGINAL POST: U.S. officials have begun discussing a new so-called Transatlantic Trade and Investment Partnership (TTIP) with Europe. It's all the buzz in Washington lobby circles because it will create "jobs."
That's all good, as rhetoric. But the rest of the official rhetoric states that the deal will focus on "regulatory issues and non-tariff trade barriers." That's another way of saying it offers another vehicle for powerful special interests to eliminate laws that protect consumer health, safety and pocketbooks.
The deal poses a serious threat to strong new U.S. food safety laws, tough new U.S. rules designed to prevent another bank-induced economic collapse and many other public protections already under attack in the Congress under the guise of "regulatory reform." Industry lobbyists will also seek to use the deal to weaken strong European privacy laws, European labeling of genetically-modified food (GMOs) and a tough European chemical safety law known as REACH. That law is based on the precautionary principle, which simply says: err on the side of safety if we're not sure how dangerous a chemical is.
Why is industry working so hard against these European laws? Industry doesn't want those good ideas to spread to the U.S. It sees trade negotiations as an opportunity to place a ceiling on public protections.
The threat that the trade deal will be hijacked by industry lobbyists will be lessened if the U.S. reverses its plan to conduct negotiations in the full view of some 600 industry "advisors" but secretly from the rest of us. In U.S. PIRG comments filed to the U.S. Trade Representative (USTR) (scroll down below the summary for the detailed attachment) earlier this month and in similar testimony delivered yesterday to the multi-agency Trade Policy Staff Committee we urged two things:
- First, we urged transparency. We asked, as did numerous other public interest groups, for the creation of a "Consumer Advisory Committee" with access to the negotiations. But our recommendation wasn't simply to be in on the secret. We also asked that so-called "negotiating texts" be made fully public in real time. The U.S. (and the Europeans, too) would prefer to release belated generalized summaries, despite that numerous other international trade negotiations are conducted openly.
- Second, we urged that any treaty's effect on health, safety and pocketbook regulations be to establish a floor (never a ceiling) of protection but allow the trading partners (the U.S. and European Union) and their member states and countries to enact stronger laws. Of course, the stronger laws must be for consumer protection, not economic protectionism. That means they must be applied equally to domestic or foreign firms.
U.S. PIRG is a founding member of the 15-year old Transatlantic Consumer Dialogue (TACD), a forum of leading U.S. and European consumer organizations, which also filed similar comments to the USTR. Last week, members of the TACD, including U.S. PIRG, gave the same message to senior European Commission trade officials at a meeting in Brussels.
We'll be following this trade negotiation closely. Our hard work to enact consumer protections in state capitols and Washington should not be eliminated under the guise of free trade. As our testimony yesterday said:
"We are supportive of EU and US cooperation to deliver a fairer, safer and more vibrant marketplace for consumers through a fair EU and United States trade and investment agreement. We would consider supporting such an agreement only if it is not negotiated secretly from the public and only if its results are not predicated on special interest demands to eliminate consumer health, safety or financial protections."
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The PMA Store is open during regular museum hours.
The PMA's collection of more than 18,000 objects includes decorative and fine arts dating from the 18th century to the present, and includes the State of Maine Collection—which features works by artists such as Winslow Homer, Marsden Hartley, Rockwell Kent, Louise Nevelson, and Andrew Wyeth—along with the largest European art collection in Maine, and a diverse range of contemporary work.
Situated at the heart of the downtown arts district in Portland, Maine, the PMA displays its collection and hosts a range of educational and cultural activities in three interconnected and architecturally significant buildings, along with the Joan B. Burns Garden. Additionally, the PMA owns and operates the recently restored Winslow Homer Studio, located on the rocky coast of Prouts Neck, Maine, 12 miles south of Portland.