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IRONMAN Vichy Media Guidelines
Media are welcome to cover the IRONMAN Vichy, Sunday 25 August 2019, on the provision that an application for accreditation is submitted and approved.
We request that members of the media wishing to register for accreditation please complete the Online Accreditation Form.
Journalists and photographers can get as close to the athletes as spectators can without any access passes, which means that even without accreditation it will be possible be part of the event, photograph athletes and report directly from the IRONMAN Vichy.
We can distribute accreditation to a limited number of journalists/photographers only. In the interest of the athletes we therefore ask you to specify in your application for accreditation for the following areas and facilities:
- Motorcycle and boat access*
- Finish line*
*Due to limited resources, motorcycle access is not guaranteed.
*As the Finish Line is a limited access area, media who cannot be accommodated on the Primary Finish Line Area will be given access to the Secondary Finish Line Area permitting media access to the winners in the Media Tent for interviews.
Only media representatives who have applied online in advance will be accredited.
Media Accreditation will take place on the following dates at the Media Center, Centre Omnisport Pierre Coulon :
• Thursday 22 August : 02:00pm – 07:00pm
• Friday 23 August : 09:00am – 07:00pm
VIP – NO media will be allowed into VIP unless they are in possession of VIP accreditation.
PRO interviews – All interviews will need to be conducted in the Media Tent near the Finish Line or be planned with the Media Manager.
TRANSITION – Only IRONMAN media with the correct accreditation (Blue and Red media) will be allowed in Transition
SWIM START – Only media with the correct accreditation (Blue and Red media) will be allowed in the Swim Start Area. For safety reasons no members of the media will be allowed to move in front of the starting cannon.
PRIMARY FINISH LINE AREA - Only media with the correct accreditation (Blue media) will be allowed in the Primary Finish Line Area.
Media who are not accredited to be in the Primary Finish Line Area (those in possession of the Blue Media) but who wish to interview the winners, will be allowed into the Secondary Finish Line Area and Media Tent for interview.
Blue media : All area and primary finish line - Red media : All area and secondary finish line - Green media : Only the secondary finish line
No photographic company and/or photographer will be permitted to sell or distribute photos to athletes. FinisherPix, the official athlete photograph service to IRONMAN, reserves the sole right to sell images to athletes.
IRONMAN reserves the right to use any photographic material obtained during the event.
For the media which needs photos to illustrate an article, IRONMAN can provide photos free of rights. Please contact us : [email protected]
On demand
Guillaume LOUIS - Phone : +33 (0)6 76 40 72 96 - [email protected]


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As role models-in-chief, Michelle and Barack Obama shoulder a solemn burden on behalf of the nation: they set an example for the rest of us, and we follow that example religiously. This is why we all have Portuguese water dogs, buy our clothes at J. Crew, dine exclusively on organic vegetables, and undergo very public struggles with our addiction to cigarettes.
The Obamas clearly know that we're watching their every move, which is why they should be careful when they start revealing all their secrets to child-rearing. Take, for example, this thing Michelle Obama said in San Franciscoat an event with Maria Shriver:
She said that she had instituted what she called 'Camp Obama' at the White House, which means that the TV and computer stay off all day until after dinner and before bedtime, adding that bed time was early.
The no-TV approach sounded like a good idea to California's first lady, who suggested that she might implement a similar rule and would blame it all on Obama.
If every family in America started following Michelle Obama's example, the television industry would be positively crippled. Ad revenues for network television fell nearly 12 percent in the first quarter of this year even without her singing the praises of the TV-free life. Many consumers, hurt by the recession, are trimming household budgets by reducing or doing away entirely with their cable subscriptions. Is it really appropriate to be kicking the television industry when they're down?
We have a proud tradition in this country of sitting our children down in front of the tube the moment they emerge from the womb, and only letting them up for bathroom breaks until they're 21. And at that point, they're illiterate and easily distracted and plump, just like their elders.
If the First Lady wants to mess with our wonderful national culture in the name of "good parenting," she's going to have a lot of explaining to do to the many generations of children who were raised by MTV.
Telecommunications analyst Sara K. Smith writes for NBC and Wonkette.

subset: commoncrawl


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A fire in a prison in Honduras killed at least 350 people late Tuesday night, authorities report.
It is still unclear how the fire, which broke out in the town of Comayagua, 90 miles north of the Honduran capital Tegucigalpa, started. Two theories posited so far include an intentional blaze set by inmates or an electrical short circuit.
The Associated Press reports that the prison held 800 prisoners, and well over a third were killed. A fire department spokesman told the wire service that at least 100 of the men died because they were unable to get out of their cells: the guard with the key could not be located.
Despite the uncertainty surrounding how the fire began, what is increasingly clear is that the region is regularly plagued by fatal fires that spread quickly, often due to building regulation violations, lax oversight, and poor contingency plans. While clear codes often exist, countries don't always have the capacity to enforce them and too often corrupt inspectors accept bribes instead of closing down illegal establishments.
[ Video is no longer available. ]
This is Honduras' third deadly prison fire since 2003, but fatal fires have claimed victims in various venues throughout the Americas in recent years, and often share characteristics such as overcrowding or lack of operational licenses.
Yesterday's fire follows a blaze in a rehabilitation center last month in Lima, Peru, where 27 people were killed after being trapped by flames. Authorities said the center, called "Christ is Love," was not licensed and was overcrowded.
Residents were kept inside the rehab center "like prisoners," Peru's health minister Alberto Tejada told the AP.
"You can supervise someone who has formally asked for permission to operate rehabilitation centers, but you're limited in how you can supervise someone who is hiding," Mr. Tejada said. CNN reports he promised to crackdown on centers operating "outside the law."
In Mexico, two tragedies have brought fire safety regulation to the fore. Last August, gunmen set a casino ablaze in the city of Monterrey. More than 50 died, many trapped behind blocked emergency doors, as reported in this guest blog by James Bosworth here. Mr. Bosworth writes:
Whether by arson, cigarettes, kitchen fire, or lightning strike, fires happen. There is no reason that a casino in a major metropolitan area like Monterrey should go up in flames so quickly while the majority of those inside cannot escape. What sort of materials were used in its construction? Where were the fire extinguishers and sprinkler systems? If this building wasn't up to code, then the question is why was it allowed to be open and who in the government failed in their duty to check on it? If it was up to code, then Monterrey and the federal government need to start revisiting those codes and updating them.
Why couldn't the fire department get to the building on time to rescue those inside? Did they lack equipment? Are they understaffed? Did someone fail in their duty? That investigation needs to happen.
Most importantly, why were the emergency exits blocked? It's not just Mexico. In too many cases around the region, emergency doors are locked or blocked by items that make them impassible. A few years ago, hundreds died in a market fire in Paraguay because emergency doors were locked and trapped people inside a burning death trap.
In June 2009, 49 victims were trapped inside another burning building in Mexico. This time the victims were children aged 3 or younger, attending daycare in the city of Hermosillo in northwest Mexico.
Safety and building code violations were documented as a major cause of the daycare tragedy in a new study led by David G. Greenhalgh, professor and chief of the burn division in the Department of Surgery at the University of California, Davis.
"We feel that all fire disasters need to be documented in some manner. If we do not dissect the causes of these tragedies then they are doomed to be repeated," Mr. Greenhalgh said in a press release. "Many of the characteristics of this fire disaster have been observed previously. The main issue is that prevention efforts need to be followed."
"Many of the fire laws that we have in the United States are the result of learning the specifics of previous tragedies. While the public may not understand why there are exit signs, multiple doors opening to the outside and other prevention efforts, laws and regular fire inspections have reduced the number of major burns and deaths tremendously," Greenhalgh said. "Clearly, these same regulations exist in Mexico but they have not been regularly enforced. We do not wish to criticize the people or government of Mexico but instead, we published our paper to incite changes and prevent such a tragedy from happening again."


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Photo Vero Image
This is the second part of the Cesar Grajales interview. In the first part, Cesar discussed Pablo Escobar's brother (Roberto), and his relationship with cycling in Cesar's hometown of Manizales. He talked about his turbulent years with Rock Racing, and how he was treated by the team. We also discussed his introduction to cycling back in Colombia, and how he came to race in the United States. For the first part of the interview, go here.
One huge moment in your career was the stage win in the Tour Of Georgia. You attacked Armstrong, Jens Voigt, Chris Horner and Bobby Julich. Do you remember the moment when you chose to attack? It was in keeping with other great Colombian mountaintop-finish victories.
You know, that stage win is interesting. I think I could have won all kinds of races in the United States, but none of them would have added up to that stage win. It seems like wherever I go, people who are into cycling know about it. A lot of people remember me because of that stage win, which is really nice. Many people have told me that my win that day was something special and incredible.
When you attack on a climb like that, do you keep an eye on the other guys. Do you pay attention to their breathing or their cadence? Were you watching them to find the perfect moment to attack?
No. I wasn't. On that day, I was just concerned with myself, and trying to find the right moment for me to attack. At 3 kilometers to go, it felt like the right time. I had to attack. I just went, and I had a small gap pretty quickly. Later on, I would see the video of it, and see it how it happened. That year was when Lance was going to beat the record of having won the most Tours, so they had two ongoing TV series about him. There was the Road To The Tour, and The Lance Chronicles. Both series did episodes about that stage, which was pretty interesting to watch. In seeing the video, I later saw how Lance tried to attack and get back to me. I saw how Julich was dropped and how Horner was also. In watching those shows, I was able to see how they were clearly going at full speed. I didn't know that. On that day, I was afraid to look back. All I had as reference was the crowd. I would go by and hear their cheering. I would then hear a gap of silence, and suddenly yelling again. That's how I kept track of the gap. But aside from that, I just kept thinking about the win. Just the win, nothing else. The last 800 meters are the steepest in the climb. I remember counting down the meters with the signs along the road. 300 meters, 200 meters, 100 meters. Finally I saw the finish line.
I always wondered how closely professionals paid attention to those signs in most stages.
Well, I did. It was an incredible experience.
Did Bob Roll put a newspaper under his polo shirt for the descent from Brasstown Bald inside a press car? Hmmm. (Photo courtesy of Fonda.)
I'm surprised to hear you say that you didn't pay much attention to the other riders at the end of that stage.
Well, that's how things work when there's only five guys left. It was Lance, Jens Voigt, Horner and Julich and me. I looked around, and saw who was with me on the climb. These guys were monsters, huge figures of cycling...and yet I realized that I felt just fine. I felt good actually. Once I realized who was with me, and how good I felt, I just worried about myself and when would be a good time to attack. I knew my legs were great that day.
Here's the episode of the show that Cesar is referring to. Go about 3:30 in to watch the portion about that stage.
How does Brasstown Bald compare to the bigger climbs in the Vuelta A Colombia?
Well, you'll simply never find 82 kilometer (50.9 miles) climbs like Letras in the United States. The climbs in Colombia are just monumental. Still, there are some good climbs in the United States, but they don't get used in any races. That's just not the kind of racing that they do here, plus I've been told that it's very hard to get the permits to race on those climbs. Here, almost every race is a criterium, or a short time trial. In Colombia, every single race is a stage race. There's nothing else. But there's some good climbing in the United States. When I'm in Georgia, I do a ride once a week that is called Six Gaps. It has six climbs, including Brasstown Bald. The ride is about five and a half hours, and none of it is flat. I would say that it's just as hard as any training ride that you can do in Colombia. Of course in Colombia, there's also the altitude to deal with.
It's amazing to me that with all these amazing climbs, the Vuelta A Colombia hasn't grown. At one point, every major European professional was going to Colombia to race at altitude. We have great terrain for racing, but the races haven't grown.
You know, I've spoken with people from the Colombian Federation about this very thing. I've tried to explain to them that cycling in Colombia hasn't grown or changed. Its' stuck in the 80s. The racing hasn't evolved. Why would they do a race like the Vuelta, as hard as it is, for two weeks during the middle of the summer? Who will go there to race it? It's to the point where a team from Venezuela and one from Cuba showing up is a big deal. Compare the Vuelta A Colombia with the Tour of California, which is a very new race...and next year will be a Pro Tour race. How can the Vuelta not be Pro Tour after such a legendary run? They don't understand how things work. They should make the race one week long, make it right after San Luis in Argentina, and everyone will come to Colombia on their way back up. You have to schedule it and in a way that will make it easy and convenient for teams to come. It's like they don't know about the Pro Tour, they still think its the 1980s. They should cater to the bigger teams, their schedule, and do it at a time when there's no soccer in Colombia, which would be early in the cycling season. They would get so much press and attention within the country, and coverage worldwide. They need to evolve, they're like dinosaurs in a way. Think about American cycling, when you look at it, you realize how they've evolved since the 80s. People here [in the U.S.] sometimes complain about the lack of racing and cycling, but look at their growth, its great actually. They have three teams in the Pro Tour [Garmin, HTC, Radio Shack, and BMC which is Pro Continental]. They have big races. Why can't Colombia have that? It's so sad to me to see Colombia, with such a huge history of cycling, such passion and such potential, and still be stuck in another era.
It's funny that you mention the potential that Colombian cycling has. I was just thinking about that recently. If Colombia had followed the route it was on during the 80s, we would completely dominate the sport today. If you look at the top 20 in the Vuelta A España General Classification of 1987, I think almost half were Colombian [I double checked, 8 out of the top 20, and 9 out of the top 21]. Can you imagine? That's incredible. In those years, we would have two or three teams in the grand tours. It's so sad that it died down. Meanwhile, American cycling kept growing.
Right, right. But today, you look around...and it's the same people who were running cycling in Colombia back in the 80s. Same people, same ideas. Nothing's changed. They're putting a race for Colombian teams only. They're not concerned about the growth of the sport. They're stuck in their ways. They don't look around to see what's going on. How on earth can it be that San Luis can get seven Pro Tour teams, and the Vuelta A Colombia can't get even one to come? It's unbelievable. I've tried talking to people, but they won't listen. What makes me really sad is that this is something that even I could fix. It's that simple. What team would want to leave Europe mid-summer to go race in Colombia? That's not how things work anymore.
Was it a big deal when Rock Racing was there for the Vuelta? When I was in Colombia last year, I saw lots of Rock Racing kits in Bogota.
It was a huge deal, and Rock was just a Continental team. The amount of press and attention was wild. Can you imagine what the race would be with Pro Tour teams? It would bring Colombian cycling to the forefront once again. People in Colombia would love the race, and outside press would report on the Vuelta.
How did the Vuelta A Colombia compare to other races for you as a rider? How well is it organized, and how are the crowds different?
It's absolutely amazing how many people come out to see the Vuelta. It's just unbelievable. Everyone in Colombia has cycling in their blood. The race may not be as well organized, when you compare it to the Tour of Georgia, Missouri, or California. But any of those races would do anything within their power to get half of the crowds that come out in Colombia. My teammates were amazed, and told me they never imagined how many people would come out to see a race in Colombia. So the Vuelta is made by the crowds more than anything else.
So now you're racing for the Bahati Foundation Team. How did you sign with the team? Did you and Rahsaan become friendly during your time at Rock Racing?
Well, Rashan was also a victim of Rock Racing, I guess you could say. Can you imagine, the guy is the National Criterium Champion, and they put him the amateur squad? So he wins the Champion's jersey, and the next year the team rewards him by making him an amateur. We were both victims of the same thing, and during our time on the team we became good friends, we were always joking around and having a good time. Last year, when we both went to the big criterium in Charlotte, he was working on the idea for a new team. So even then he asked me what I was thinking about doing for the next year. He told me he didn't want to get anyone too excited, or sign anyone until the money was in the bank. At the same time I was speaking with Rick Crawford. Through him I was keeping an eye on Colavita, and Fly V Australia. So I had a couple of options. It just so happened that Rick and Rahsaan ended up getting together to do one team together. It was perfect, since it was the two people I wanted to work with. I also liked the idea of the team's mission, which I don't know if people have fully understood. I don't think people understand that the foundation is the title sponsor, but the money that they may give to the foundation doesn't go to the team. The team's budget, 92% of it, comes from sponsors. From companies, or individuals that have contributed to the team. The foundations pays the team to be its title sponsor.
Were you attracted to the team because of its link to the foundation, and its goal to reach out to kids in LA's underprivileged neighborhoods? I suspect a good portion of the kids in such neighborhoods are probably latinos.
Yes, I enjoy that aspect of it. Reaching out to kids and helping out in some way. I look forward to going to those schools, and I like the idea of speaking with latino kids. I think it would be good for them to see that they could achieve whatever they want. Back in Georgia, I once went to a school to speak to young kids. I went with the team manager, and with Rebecca Larson to a Middle School. I thought the kids wouldn't be interested at all, but they were. Two kids actually started riding seriously, and still do. It was great.
Is there anyone you'd like to thank or acknowledge in particular?
Well, I want to thank Rashaan. I have to thank Steve Owens and Rick Crawford for giving me the opportunity to race again. I also have to thank my wife, who is the most important person in my life, Chamblee Abernathy. She's been very patient. Having a cyclist as a husband is hard, since I live out my suitcase more than I live at home.


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I will be updating many of the pages on this website after the Holidays. I need to get rid of some of the extraneous verbiage. Meanwhile, hope you all have many happy holiday moments.
HURRAH!!! --January 20, 2009
Just a reflection on November 22, 2008:
One would think that a people (U.S. citizens) who have seen the murder of no less than four (possibly six) members of one family (one of which was the President of the United State) would question.
It never ceases to amaze me that the people of this country simply believe whatever they are told. Stupid. This kind of stupidity is what is leading us all down the rabbit hole to servility.
Check this out: JFK Telling Us 911 Truth
February 20, 2009
Have you heard that the Chinese are planning on going to the moon? Well, wrap this thought around your brain. If they are on the moon, how easy would it be for them to disable our satellites?
Check this out!
Pop goes the Bush Mythology Bubble Part 6: This world is led by 4-star clowns, liars and frauds By Karl W. B. Schwarz
Oh, yeah! Do you believe me now!
Bush, Cheney, Rumsfeld, Rove, et al should be brought up on charges of high crimes and misdemeanors (actually felonies)!!! LetÆs wait until they are out of office in January and then get them!
I have stated all along from the time the buildings were hit that it was an inside job, probably implemented by the PNAC!
Anyone else worried about the disappearance of the bees? Right, well I have a very logical answer. The bees are dying and/or disappearing because of MONSANTO --Amon Saton or (de)mon saton? You play with it and see what you come up with in time.
And, dear God in Heaven, the POD PEOPLE in my village have let Saton (earthly spelling of Satan) in. The END is near!
I just read that the organic bee keepers are not experiencing the colony collapse like the pesticide ones. Great news!
Anyway, among other diabolical things, they are introducing new GM seeds that produce a different (in some cases--very different) form of flower. These bees are then destroyed because they havenÆt had enough time to adjust evolutionarily. Also, the pesticides that Monsanto puts on the earth could be a contributing adjunct reason.
HereÆs the thing. Monsanto is crossing moths with potatoes, rice with HUMAN DNA, etc. They are going to attempt to control ALL of the seeds in the world. Why?
If you want to control the world under one aegis, then you will need to control the:
In other words, a one world globalization!
for more information and for a spell to help the wolves.
I didnÆt vote for those people and I donÆt follow their evil ways! Perhaps it is because I donÆt drink or eat their ōkool-aidö and likewise products, but I can also tell when someone is lying to me and is inherently EVIL!
BTW, Barrack Obama IS NOT THE ANTICHRIST! GEEZ--get a life! That is just what ōtheyö want you to believe! Or are the people saying that just racists?! That guy you crazy people talk about who is ōfrom the Eastö is probably Putin! You know, Magog coming down against Israel and all that stuff!
They really must be dumbing people down!
Email Raven :email@example.com
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Jennifer's Body
Jennifer Aniston also known as Fabulous at 40!!! at the premiere of Love Happens last night with co-star Aaron Eckhart. The sh-ttier the movie, the better she looks on the carpet. And this is the best she's looked in a long time.
The skin, the hair, the LEGS…
These legs are taking on Angelina's trip to Ethiopia with Miss Zahara and it's a good fight.
Jen of course has been pounded lately in the tabloids, caught on the losing end of a rumoured love triangle with Bradley Cooper and Renee Zellweger. When Coop and Renee became official, Jen was once again cast as the lonely girl who can't find a boy, a victim of the love game, the girl who has everything…but nothing at all.
That is not the girl who showed up last night in a silver mini.
The girl who showed up in a silver mini doesn't want babies, prioritises her career, enjoys a random booty call now and again, is unwilling to gain weight, and doesn't apologise for her choices.
If Jennifer Aniston decided to be That Girl all the time out in the open, I would be a huge fan.
Jennifer Aniston however insists on being The Other Girl. John Stamos would be perfect for The Other Girl. Beat the drums, let's hold hands and chant it until it comes true. I've been calling for it for years. Why can't she figure this out?
Here's John in New York a few days ago at a fashion week event.
Photos from Wenn.com and Russ Einhorn/Giovanni Arnold/Splashnewsonline.com AXELLE/Bauergriffinonline.com


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Oklahoma City, Ok. – UMBC's Pete Caringi III (Perry Hall, Md./Calvert Hall) signed a professional soccer contract with Oklahoma City Energy FC, general manager Jason Hawkins announced today.
"We're very happy to have Pete on board," said Energy FC Head Coach Jimmy Nielsen. "We're looking forward to working with him. He's a well-schooled, intelligent soccer player who will play a big part on our offense. We can't wait to see his game develop."
In December, Caringi became the first Retriever student-athlete to earn NSCAA First Team All-America honors in program history.
The 2012 and 2013 America East Striker of the Year, Caringi scored 27 goals over his last two seasons. The local product was named the Most Outstanding Player in the 2013 America East Championships and finished his career with 37 goals (fourth on the all-time list) and 91 points (fifth all-time).
"It is a great day for UMBC soccer," said head coach Pete Caringi, Jr. "We are excited for Pete and look forward to watching him play at the next level. "
OKC Energy FC is one of the newest members of the USL Professional Division. USL PRO will feature 14 teams for the 2014 season with the addition of Oklahoma City and Sacramento. In 2013, USL PRO and Major League Soccer began a partnership to enhance the development of professional players in North America, strengthen the competition in both leagues and establish a solid foundation for future collaboration.
OKC Energy is one of two affiliates of Sporting Kansas City. The team's inaugural 28-game slate begins on the road against LA Blues on April 5 and the team's home opener is April 26 against defending USL PRO champion Orlando City SC, also a Sporting KC affiliate.
In a related professional signing, former UMBC standout Milo Kapor ('12) signs a professional contract with Cadiz CF in the Spanish Segunda B (3rd Division).


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Museum for Skills was a one-day conference that took place on 10th May 2012, examining the role and value of skills in the crafts, and how we go about acquiring the skills we need.
The day was organised by Artquest (art organization) in collaboration with The Oslo National Academy of the Arts,
Museum for Skills brought together thinkers and practitioners from outside of the arts who each have specific interests in skills, their development and future. The resulting talks and discussions aimed to provoke new and unexpected thinking on what skills the arts sector needs for the future and how we can use them.
Keynote speakers were Dr Iain McGilchrist, Professor of Social Anthropology Trevor H.J. Marchand and Professor Roger L. Kneebone.
Dr Iain McGilchirist, psychiatrist, doctor and writer presented a paper from his most recent book The Master and his Emissary: The Divided Brain and the Making of the Western World.
Professor of Social Anthropology Trevor H.J. Marchand intervention was centered around his studies in cooperation between brain, hand and tools in carpenters and furniture makers across the world.
Professor Roger L. Kneebone is Professor of Surgical Education at Imperial College London and delivered on the day a fantastically entertaining presentation on The Craft of Surgery.
All three interventions can be streamed and watched form the Artquest website: http://www.artquest.org.uk/articles/view/museum_for_skills
The videos can also be embedded and shared following the Creative Commons Licence rules: http://creativecommons.org/licenses/by-nc-sa/3.0/


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Language Warning. I get a bit potty mouth in this one.
Back in 2005, I was asked to write a quick essay for the horror blog Dark, But Shining by Newsarama blogger and all-around good guy Kevin Melrose. The piece was to be included in a series of essays by different authors describing what REALLY scares them.
Last year I jetted out to Hollywood and did a round of meet-and-greets with a few movie types and I told this story in one of the meetings. When I finished, the veep in charge of story told me, "Go home and write that one. That's fucking creepy." I've got the bones of the story down, just need to find the time to write it.
I've posted the essay before but I thought I'd dust it off again. So, for your reading pleasure, here's PEERING INTO DARKNESS.
When was the last time you were really scared?
I mean really fucking scared.
Not the quick adrenaline shock that comes when you slam on the brakes and narrowly avoid rear-ending the car in front of you, but that sick-to-your stomach, creeping feeling where you are absolutely certain that something awful and vile is going to happen.
True story –
In the year after college I worked for an apartment management company renting units and dealing with tenants. An older woman, the mother of one of the tenants, came in late one dreary September day and needed to get into her son's apartment. We hadn't received a rent payment in almost two months and we were fairly certain the guy had just disappeared and abandoned his apartment. The mother was there to pay the balance, remove some of his belongings, and sublet the apartment.
My boss, Steve, wanted me to go over and unlock the door and stay on site until the woman had finished and lock up behind her.
"Go now, man. You gotta see this guy's apartment," Steve said. The mother had to fill out some paperwork and I would have a good ten or fifteen minutes at the guy's apartment by myself.
The guy – I'll call him "Max," as I've long since forgotten his real name – lived in a basement studio apartment right across from the laundry room of a small, older building with nine units.
Max was a LARGE guy. By large I mean HUGE – easily 6'6" or 6'7" and a flabby 250 lbs. Max was also a very odd guy. He liked to pace between the parked cars in the small lot behind the building for hours, and had taken to sticking his head out his door and glaring at each tenant as they tried to do their laundry. One tenant was certain Max was holding a hammer as he watched her sort her whites from her colors. Most tenants in the building began frequenting Laundromats.
Max's studio apartment was the only one in the building located below ground, and it had no windows. None. No source of natural light. So, when I pushed open the door to Apartment A, the room was completely dark except for the light spilling in from the hall. The switch by the door failed to produce light of any kind, but I could make out a standing lamp next to a mattress resting on the floor. I stepped over some scattered magazines or newspapers and turned on the light.
And there I was, standing in a room covered from floor to ceiling in images of bondage, S&M and gruesome torture.
Neat stacks of cheap leather-fetish porn mags were against one wall, each about two and a half feet high. More magazines were scattered across the floor along with hundreds of pages torn from other issues and tossed casually around the room, and in piles so deep you couldn't tell the color of the carpet.
Scotch-taped to every inch of wall was Max's original artwork, his twisted creativity on display, where he could really amp up the action from the magazine photos and manipulate and control his sadistic fantasies.
A pencil-and-charcoal drawing of a blindfolded woman lashed across a bed of nails.
A woman nailed to a cross and hung upside down, done in marker.
He'd saved the most graphic of the images for the wall and ceiling above his bed. These were the last images Max would see when he went to sleep and the first thing he'd gaze upon when he woke up.
A crayon drawing of a woman with hundreds of small cuts across her back tied to a rack and suspended above a pit of fire.
Women with spikes through their breasts and with flesh pierced by dozens of hooks.
This isn't what freaked me out. The explicit stuff didn't really get to me. It was two other things, really.
One was the hammer lying next to the door, sitting there, waiting for Max to take it in hand to defend against perceived threats outside in the hallway.
The other was the small, child-like handwriting underneath the most prominently displayed and most violent series of pictures.
The writing on each picture read, simply: "SARAH."
That really fucking got to me.
Sarah was someone's daughter. Maybe someone's sister or girlfriend. Someone's mother, perhaps.
Max had decided that she suited his taste.
He knew exactly with whom he wanted to dance. These weren't random, sick thoughts on paper. The pictures were simply a blueprint for what he really wanted to do to Sarah. She probably had no idea that Max was watching and plotting. I knew damn well that she had no idea her naked image was plastered on Max's wall, or she would have run to the cops as fast as she could.
At that point, I could feel Max there in the room with me. His presence filled the small space. A door closed loudly somewhere upstairs and I got the fuck out of there, barely remembering to lock up behind me.
I ran into Max's mother coming down the stairs and had to descend to the basement once again to open the door for her. Before going inside she turned, smiled, and said, "I'll be just a minute. I only need to get some clothes. I don't like to be in there." She knew about her son. She understood when I told her I'd wait out in the hall.
As it turned out, Max had been committed to an institution and she was taking him some of his things. I hope he's still there rotting, frankly, and that Sarah is far away.
The apartment was soon cleaned of the filth and closed up never to be rented again.
As for Sarah, I never did find out who she was exactly. I checked the tenant list for the building and didn't find a Sarah listed. She'll never know how close she came to, what I believe, was a monster.
When it comes to movies that really creep me out, it's not the flicks with demons or monsters or undead stalkers in hockey masks that get to me. It's always the film where the human mind is the real villain that scares me. Give me a well-done and cliché-free serial killer movie, like The Silence of the Lambs or Seven. I think it's because of my short time in Max's apartment, where I peeked into the window of a really dark and twisted psyche. I found that, for myself, the scariest of monsters lives inside the disturbed mind
Friday, October 24, 2008
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Professional Make-Up and Hair, Production Company based in New York City, New York. Discover their portfolio and business ventures. On Location or at our studio. Contact with inquiries. NYC Makeup Artist , Hair Stylist .


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Matt's Homes & Outdoor Designs
At Matt's Homes & Outdoor Designs we are building a home for everyone, from timber dog kennels, through to timber sheds, workshop sheds, kids cubbies, Bali huts, home studios, teenage retreats to a granny flat for your parents.
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Current Trends in Reporting Financial Information
BY PRESLEY S. FORD, JR. Partner, Tulsa Office
Presented before the Oklahoma Control of Controllers Institute of America, Inc., Tulsa — January 1959
JANUARY has arrived once again. As controllers many of you are presently engaged in closing your books, in cooperating with your certified public accountants in completing the annual audit, and in preparing your annual report. It is appropriate, therefore, that we think together this evening about current trends in reporting financial
As a practicing certified public accountant, I am best acquainted with and shall confine my remarks to trends in reporting financial information in the annual report to shareholders. This leaves untouched
the whole area of financial reporting to management, but many reporting techniques which are used in annual reports are equally useful in reports to management.
The fact that your program chairman suggested the title "Current
Trends in Reporting Financial Information" indicates that you are interested in changes in reporting practices, that you want to know the direction in which reporting practices are headed.
Most of us, I believe, realize that the annual report has changed significantly in the post-war years. Twelve years ago the typical annual report was an unimposing document containing the financial statements, the accountants' certificate, and a brief letter to shareholders.
Today the typical annual report is a colorful booklet, sometimes
containing more than fifty pages, replete with photographs, drawings, and charts, in which a wealth of information is presented in an attractive and readable style.
This trend toward more elaborate and more expensive annual reports reflects, I believe, the realization by American industry that the annual report is an important medium of corporate expression. The annual report tells the company's story. It tells the company's story to various groups—to shareholders, to creditors, to investors, to employees, to competitors, and to the general public. If it tells the company's story effectively, relations with each of these reader groups may be improved. If it does not, relations with each of these reader groups may be adversely affected.
As controllers and accountants, therefore, we ought to strive to


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Jane Alexander ranks ninth in the nation with a .449 batting average (Harvard Athletic Communications).
The Particulars
The Crimson looks to secure its third-straight and fifth overall Ivy League North Division title as it hosts Brown in a pair of Ivy doubleheaders.
Series History
The Crimson and Bears have met 74 times with Harvard holding the edge in the all-time series, 42-32. Harvard captured the first game between the two teams, 5-4, April 26, 1981. The Crimson endured a tough stretch against the Bears in the late 80's and early 90's but rebounded with 11 straight wins from 1998-2003. Harvard has claimed wins in the last seven matchups, outscoring Brown 45-7 during that stretch.
Last Year Against The Bears
Harvard overpowered Brown in a four-game road series last year, recording a pair of shutouts and totaling 35 runs between the two doubleheaders. The first game of the series saw every Harvard starter record a hit, as Rachel Brown twirled a one-hit shutout with 11 strikeouts in a run-rule shortened 8-0 victory. Laura Ricciardone followed suit in Game 2, scattering four hits in a six-inning shutout while Stephanie Regan went 4 for 4 with four runs scored and Kasey Lange was 3 for 4 with three RBI.
Brown earned her second win of the weekend the following afternoon, striking out 12 batters in a 7-3 victory. Ellen Macadam '11 led the offense, going 3 for 4 from the plate with a pair of runs scored. The Crimson wrapped up the series with an 18-hit assault, highlighted by Whitney Shaw and Allison Scott, who launched a pair of home runs each and combined to drive in eight runs. Ricciardone allowed just four hits and one earned run for her ninth win of the year.
About Harvard
Senior Jane Alexander remains one of the toughest outs in the nation, as she is ranked ninth in Division I with a .449 batting average. She also leads the team with 49 hits, 11 doubles, four triples and eight steals. Kasey Lange is close behind with a .413 batting average and has a team-high five home runs and 34 RBI. Shelbi Olson (.350) and Stephanie Regan (.336) are also hitting better than .300 on the season.
Rachel Brown and Laura Ricciardone have been a potent one-two punch for the Crimson in the circle. Brown leads the Ivy League with 177 strikeouts and has an impressive 1.58 earned run average to go along with her 14-4 record. Ricciardone is right behind with a 1.89 ERA and 10 wins in 89.0 innings pitched.
About Brown
The Bears enter the Harvard series with an 8-18 overall record to go along with a 5-7 Ivy League mark. In its first North Division action of the season, Brown split with Dartmouth, claiming a pair of one-run victories in a doubleheader last Sunday.
Stephanie Thompson fuels the Brown attack, ranking second in the nation with a .494 batting average and 13th in slugging at .864. She is also the sixth-toughest batter to strikeout in Division I. Kat Strobel has also posted stellar numbers this season, batting at a .425 clip, slugging .800 and leading the team with 24 RBI. Rookie pitcher Jessica Cherness leads the team with 79.2 innings pitched, 48 strikeouts and six wins.
Friends of Jaclyn Day
Harvard Athletics will celebrate its third annual Friends of Jaclyn Day Saturday. The softball team will sponsor a raffle to raise funds for the organization and will also be accept donations throughout the day's events. First prize in the raffle is a pair of Red Sox tickets located behind home plate. Raffle tickets will be on sale for $10 apiece.
Friends of Jaclyn (FOJ) is a charitable organization that improves the quality of life for children with pediatric brain tumors and their families. FOJ matches a child in need of love, support and friendship with a sports team based on geographic basis. The child becomes an extension of the team where a unique bond is formed between the team members, the child and the family. Grace and Paige Potvin, ages 10 and 11 respectively, joined the Harvard softball team through a program called Safe on the Sidelines. This program is an extension of the Friends of Jaclyn program and serves as a support program for the siblings of children already in the FOJ program.
For more information about the Friends of Jaclyn Foundation, please visit its website at: http://www.friendsofjaclyn.org
Honoring Harvard's Seniors
The Harvard softball class of 2012 will be honored following the completion of Game 1 Saturday. This year, the Crimson featured five seniors on the roster who have helped Harvard to three Ivy League North Division titles, a 114-67 overall record, a 59-16 Ivy League record and the 2011 Ivy League championship. The quintet of seniors has totaled seven All-Ivy selections among them.


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HOOVER, Ala. (AP) ? Texas A&M quarterback Johnny Manziel says he missed activities at the Manning Passing Academy because he "overslept," and his absence had nothing to do with being out the night before.
Manziel left the camp for high school prospects run by the Manning family in Louisiana before it ended last weekend.
He says his eventful offseason has been at times "blown out of proportion," though he did acknowledge that he needs to make better decisions because he's such a public figure.
The 20-year-old Heisman Trophy winner faced hundreds or reporters at Southeastern Conference Media Days on Wednesday. Wearing a dark blue suit, the 6-foot-1, 200-pound sophomore discussed his fame, decision-making and even answered a few questions about football.
Manziel is the first freshman to win the Heisman.
Source: http://news.yahoo.com/manziel-says-overslept-manning-camp-141144699.html
san francisco 49ers stan musial Mega 49ers lance armstrong Earl Weaver Inauguration Schedule


text: Dr. Frankenstein, played by Tony Silver (left), holds the hand of his monster, played by Brian Hill, during a performance for Halloween in in the U.K. Anonymous/AP hide caption toggle caption Anonymous/AP Signs Did Climate Inspire The Birth Of A Monster? August 13, 2007 Writers can be inspired by their surroundings — but Indonesian volcanoes? Researchers say Mary Shelley's Frankenstein may have been inspired by an icy, dark summer caused by Mount Tambora's eruption. Did Climate Inspire The Birth Of A Monster? Listen Toggle more options Download Embed Embed <iframe src="https://www.npr.org/player/embed/12688403/12697259" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player"> Transcript


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do you see a theme starting? gosh, i hope not. i was meaning to become less busy, but somehow that hasn't happened. we had a shoot here on tuesday, and the kitchen still pretty much looks the same. my very talented friend and stylist, emily, suggested i get an intern. not a bad idea. any takers?
Friday, July 17, 2009
too busy to clean
Posted by jen gotch at 7:51 AM
20 comments:
- east side bride said...
If I post a picture of my dirty dishes I can get an intern too??
- July 17, 2009 at 10:11 AM
- vanessa joie said...
I love that your messy kitchen still makes for a beautiful photo. Can I be your intern? :D
- July 18, 2009 at 8:15 AM
- joy said...
if there were an application, id have filled it out by now. you do need an intern... and i also happen to be great at cleaning.
and baking!
we did our house-cleaning this morning, and what a task that was.
- July 18, 2009 at 9:04 AM
- Mary said...
I think that if you actually put up an application for an intern you would be so overwhelmed with the response that you would only be busier. :)
- July 18, 2009 at 12:30 PM
- Leslie said...
I'll be your intern!
- July 19, 2009 at 10:31 PM
- sophia said...
that's a nice looking messy kitchen.
- July 20, 2009 at 7:29 AM
- joy refurbished said...
My kitchen looks the same way. Only not as classy.
- July 20, 2009 at 4:02 PM
i love cleaning up the kitchen, how ironic! haha. :)
lovin' your blog. xx
- July 21, 2009 at 7:44 AM
- Ordinary Diary said...
i just found this blog, and i think is very interested how to blogging with every polaroid picture everyday..
btw.. your kitchen still looks good with polaroid hehe..
greeting from Me,Indonesia
- July 21, 2009 at 7:58 PM
- the paris apartment said...
Only you could make dirty dishes so pretty!
- July 23, 2009 at 9:28 AM
- blorange dice said...
somehow your kitchen looks beautiful, despite the messiness! it's a magical kind of window you have there.
i would be your intern if i could! i also LOVE cleaning. and organizing. haha..
- July 23, 2009 at 12:04 PM
- Maya said...
BeautIful! you make dirty dishes look so lovely ;)
- July 24, 2009 at 4:27 AM
- Manic Trout said...
Hiring an intern, a part time assistant and someone to clean my apt every other week for 3 hours have changed my life...think about never having to vacuum again for a bit under $3 a day!
- July 24, 2009 at 1:05 PM
- Maria Dorotéia. said...
I am brasilian, and love your blog... kisses.
- July 24, 2009 at 2:51 PM
- Laura said...
Nice to see that there are other "real people" out there with dirty dishes and all. Love the blog!
Whim Tart
- August 12, 2009 at 3:51 PM
- Szymon said...
I love your polaroid look of the world.
- August 26, 2009 at 11:39 PM
- han_ysic said...
I know that feeling. that scene. An I once again resolve to 'clean as I go'
- September 10, 2009 at 8:23 PM
- This comment has been removed by a blog administrator.
- December 12, 2009 at 5:18 AM
- Zane Wooder said...
If there's one thing I hate it's cleaning. I find I make excuses all the time not to clean.
-Zane of ontario honey
- November 6, 2012 at 6:21 PM
- Manohar Singh said...
I very much appreciate your themes and your entire network design layout.Several may be encountered before the problem did not have time to solve? I would like to also not without late, because your blog is a lot of fans are very much agree with what you think is also very supportive of your blog.I would like to on behalf of the fans group who support
Embroidered logo blazer
- February 17, 2013 at 2:36 AM


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I really like using the oil gel better than lotion/oil. I use it for Swedish and Deep Tissue massage and it's great. You don't need a lot to get the job done.
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Difference between revisions of "Automobile (Leasing)"
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Latest revision as of 18:34, 18 November 2019
Civil Code Sections 2985.7 - 2991
Both federal and state laws govern consumer leases of motor vehicles where duration exceeds four months. Before signing a lease, consider the pros and cons of such an agreement and understand the contract terms as fully as possible. If you terminate early, you may pay a penalty. Don't sign unless you understand all of the lease terms. There is no "cooling off" period on lease agreements. If fraudulent business practices are being used, the California Department of Motor Vehicles (DMV), the New Motor Vehicle Board, or the local district attorneys office may have jurisdiction over the matter.
Consumers should be aware that:
1. There is no "cooling off" period for automobile sales or leases. You cannot change your mind after you sign the agreement.
2. Negotiate the price of the vehicle (called "capitalized cost") just as in a purchase situation. The capitalized cost of the vehicle is one of the factors that affects the monthly lease payment.
3. Consider selling a "trade-in" to a private party rather than trading it as part of the lease transaction; the dealer may not offer as much as the trade-in is worth.
4. Compare the proposed lease terms with purchase terms. If you have to pay a large capitalized cost reduction (similar to a down payment) and the monthly payments are nearly as large as they would be under a loan for purchase, you will have lost the main advantage of leasing.
5. Understand the early termination penalties, as well as contract terms of the condition of the vehicle at the end of the lease, charges for mileage above the contracted number, and restrictions.
Department of Justice
1300 I Street
Sacramento, CA 95814
(800) 952-5225 (CA Callers)
(916) 322-3360 (Out of State)
(916) 323-5341 Fax
(800) 952-5548 (TDD in CA)
(916) 324-5564 (TDD Out of State)
New Motor Vehicle Board
1507 21st Street, Suite 330
Sacramento, CA 95814
(916) 445-1888
(916) 323-1632 Fax
(916) 323-1631 Fax
Department Publications: California Lemon Law and Consumer Resource Handbook


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When hunting squirrel, keep an eye out for other critters
With the arrival of May, we traded wild turkey hunting for squirrel hunting. Squirrel season is open the entire month of May in East Texas. However, with the lack of rainfall, it can be tough. The few showers that have come through have been welcome, but the woods are still dry.
I feel that whenever it is time for another outdoor adventure, before going we should be aware of the hazards. In the case of springtime squirrel hunting, the inconveniences are the banana spiders. These spiders build their webs across trails along paths and any place else where they might trap bugs. Although these critters are not considered poisonous, they can be a nuisance. I dislike them more than I do poisonous snakes. Their webs will stick to your face, glasses, clothes, rifle or gun, and even your vehicle.On the subject of disliking critters, there are some snakes out and about now. Whenever you are in the woods, high grass or around water, be especially aware of them. Most of the snakes that are present are not likely to be poisonous, but some will be. Be alert for rattlesnakes and copperheads while you are afoot in the woods. Coral snakes may be present also, but these are more rare than the other two. Cottonmouth moccasins are at home near and around sink holes, sloughs and almost any water areas small or large.
Now that the primary hazards have been identified, there is no reason not to head into the woods in search of some wary but tasty squirrels.
There are now lots of new green leaves on the trees, and that will make spotting one of the grey ghosts, as well as fox squirrels, a challenge. Squirrel hunting during the springtime requires a sack full of patience. I do not recommend that squirrel hunters take their squirrel dogs along now due to the snakes. But without the dogs, it's necessary to locate areas where there has been squirrel activity and spend some quiet, still time there. Places where there are squirrel nests up in the trees are also really positive spots to spend some time.
The little rascals seem to move around more during the springtime than they do in the fall. This situation allows folks who enjoy squirrel hunting to also enjoy going fishing. By heading afloat at dawn and fishing until mid-morning, you will still have time to be in the woods before lunch. Should there not be a fishing area nearby then, by all means, head into the woods early.
At one time a couple years back, several of us would make camp near one of the oxbow lakes off the Neches River. Before dark, we would put out some trotlines and a few limb lines for catfish. Should time allow, we would do some white perching (crappie), too. During the night from time to time, we would check the lines, remove our catch and re-bait the hooks. A lot of hot coffee was consumed, too. Then at daylight, the lines were checked and we would head into the squirrel woods. With several folks hunting squirrels, it was necessary to put safety first. Most of the time small-gauge shotguns were used. The .410 was the most popular. The one or two hunters who chose a rifle used a .22 caliber. These rifles may be a danger because of ricocheting in inexperienced hands. Novice hunters should only use the rifles with more experienced supervision.
I believe that the .410 using No. 4 shot will kill clean and not saturate the squirrel's flesh with shot. The .22 shooters like the longrifle hollow point ammo, but I've found that when others are around the .22 hollow point shorts do just fine.
There would always be at least one of our campers who remained in camp to cook breakfast. The odor of open-fire bacon frying can be almost more than squirrel hunters can resist without heading back to camp for a quick breakfast of hot Dutch oven biscuits, grits, scrambled eggs with green onions, coffee and lots of bacon. Even slabs of ham and sausage were offered at times. This, my friends, is the way to go after the springtime squirrels and ever popular catfish.
The squirrels were cleaned and iced down while the outdoors enthusiasts enjoyed a good nap. They were getting ready to do it all over again. Squirrel hunting is fun and it is a great place for youngsters to become introduced to the outdoors. Just be sure to practice safety and remain legal. There are few dishes better than fried squirrel and squirrel dumplings.
Banana spider photo by Julie Alicea/flickr.
Tune in to KSET 1300 at 6 p.m. on Thursdays for Billy Halfin Outdoors and listen to The updates daily at 7:25 a.m., 12:25 p.m. and 6:25 p.m. Billy can be reached by e-mail at bhalfinoutdoors [at] aol [dot] com.


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Hybrid graphics
From Hybridgraphics
What's that ?
The laptop manufacturers developed new technologies involving two graphic cards in an single computer, enabling both high performance and power saving usages. This technology is well supported on Windows but it's still quite experimental with Linux distributions.
We call hybrid graphics a set of two graphic cards with different abilities and power consumptions. It has nothing to see with other technologies like SLI or CrossFire, intended to improve only the computing power of a system without taking care of power consumption.
nVidia Optimus
With nVidia's Optimus, the images are always sent through the integrated Intel card, even when the computations are made on the discrete card. There's no physical switch which could allow the user to "plug" his monitor to the card of his choice. The user can't use the nVidia GPU directly, even on Windows.
Commercial presentation of the technology


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Tournament SignupJanuary 2012February 2012March 2012April 2012May 2012June 2012July 2012August 2012September 2012October 2012November 2012December 2012SeriesPoolsQuick LinksMembershipsAffiliate ClubsOffice Use Only
Russellville DGC & Old Post DGC - Russellville, AR
Tournament Director: D.J. Myrick
Email: djmy...@gmail.com (click the dots to reveal)
Phone: (479)970-0038
Quick LinkTM: Tournament Flyer
Quick LinkTM: Players / Results
Registration day of (if spots are still available) starts at 8:00am.
Field limited to 144 players.
4/19/12 9:00pm CST Note: Online registration for this event has closed.
Choose your division and confirm selections for options that may appear below.
NOTE: (required) indicates that a selection must be made... 'Not Selected' is a valid selection [ie No].
"I hereby hold blameless and fully release the Professional Disc Golf Association (PDGA), First Baptist Church, the tournament directors, local and state park services, and all tournament partners/sponsors and individuals or parties associated with the Vintage Open, from all liability of personal damage or injury which I may incur before, during or after my participation in this event. I accept full and sole responsibility for any damage I may cause through negligence and/or malice, including damages or injuries caused by my own throws in practice or competition.
I also recognize that the PDGA, event staff, and any other media outlets covering the event have the right and responsibility to record the event and participants via video and still photography. Such photography may be used for event publicity, public information or any other promotional use that falls within PDGA or event activities."
Note - A Parent or Guardian must sign if player is under 18 years of age.
Entries must be received by THU 4/19/12 8pm CST.
A $1.50 + 4% handling fee will be charged on this registration.
Charges will show up on your credit card as "FRISBEES8885969347".


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Latest News
Why didn't Fed force big banks to take less of AIG bailout?
WASHINGTON — The Federal Reserve Bank of New York in November chose not to pursue tough negotiations with large foreign and domestic banks and instead allowed them to receive 100 cents on the dollar in government funds to settle tens of billions of dollars of exotic financial bets guaranteed by American International Group.
At the time, Timothy Geithner, now Treasury Secretary, headed the powerful New York Fed. On his watch, the decision was made to forgo a reduced payout — called a "haircut" in industry parlance — to creditors of AIG to prevent financial chaos around the world, the officials told McClatchy.
Had the Fed negotiated a reduction of just 10 cents to 15 cents on the dollar, it could've saved between $2 billion and $3 billion.
The revelation sheds new light on last month's disclosure by AIG that it used loans from the New York Fed to pay more than $17 billion to foreign creditors such as France's Societe Generale and Credit Agricole, and Germany's Deutsche Bank. U.S. investment banks, including Goldman Sachs and Merrill Lynch, also were paid $10 billion in what amounted to a back-door bailout of the troubled institutions that had financed the insurer's risky investments.
The real reasons behind these decisions weren't revealed at the time. And like the Obama administration's decision last month to allow more than $165 million in controversial bonuses to AIG executives, their disclosure is fueling new criticism.
Geithner's office declined requests to comment.
At issue is the Fed's handling of nearly $30 billion that AIG owed on complex insurance-like financial instruments known as credit-default swaps, which are unregulated products that the company issued to guarantee often risky investments.
AIG had at least $440 billion in credit-default swaps outstanding when the New York Fed and the Treasury Department rode to the rescue of its creditors in September with an unprecedented $85 billion cash infusion — a bailout that has since been revamped and grown to some $180 billion.
The rescue, which gave the Fed control of almost 80 percent of AIG, was designed to prevent what Fed Chairman Ben Bernanke has since said could've been a collapse of the global financial system.
The decision to extinguish some of AIG's credit-default swaps, however, was made in mid-November, after the waters had calmed.
Gerald Pasciucco, the new chief executive of AIG's Financial Products division, which sparked the company's meltdown, recently told McClatchy that Fed officials made the decision to pay full value, but he declined to elaborate when pressed. Pasciucco is negotiating the sale of the remaining $1.4 trillion in the division's business.
The decision to pay full contract value is the latest example of the Fed appearing to be "very much out of sync with the attitude of the public and the taxpayers," said John Coffee, a Columbia University law professor who testifies frequently before Congress on matters of corporate finance.
The Fed could have offered 85 cents on the dollar — saving billions of dollars — and claimants would've had little recourse but to sue, he said.
Once the Fed decided against bankruptcy for AIG, it was logical to presume that the company would fully honor its swaps contracts, a senior Fed official said.
By then, AIG had been downgraded by credit-rating agencies. The downgrade meant that AIG had to post $35 billion in collateral with various swapholders _and the company faced catastrophe, another Fed official said. Both officials requested anonymity to speak freely.
After the Fed intervened in September, it made attempts to convince some of AIG's foreign counterparties to accept a reduced payout. They declined. New York Fed officials worried that U.S. defaults on the swaps would lead to "a cascade of other defaults" by firms around the world that had counted on full payouts, one of the officials said.
The idea of a discount was met with "a very hostile reaction" and warnings that such a stance would be viewed as a default, officials said. They pointed to the global financial chaos after the 1991 collapse of the Bank of Credit and Commerce International. Authorities in England and Luxembourg seized Pakistan-based BCCI, and its creditors scrambled for assets across the globe.
Once the decision was made to fully pay AIG's foreign counterparties, including $2.8 billion to Deutsche Bank and $6.9 billion to Societe Generale, the officials concluded that it would be discriminatory to pay less than 100 cents on the dollar to U.S. banks holding the same contracts.
"I was concerned that people would say the Fed used its power to exploit some domestic financial institutions," said Thomas C. Baxter, the general counsel of the New York Fed, in a telephone interview.
At that time, he said, it was easy to explain "why an entity you kept out of bankruptcy was paying its legitimate and lawfully incurred debts. That didn't seem hard."
That, however, was before public anger mounted over Wall Street rescue efforts.
Columbia's Coffee countered that "you could have asked everybody to scale down their expectations at least 10 or 15 percent, and that wouldn't have been discriminatory. And if you asked Congress, I think they would have been much more in favor of being discriminatory towards foreign banks, because this is funded with U.S.-taxpayer-funded dollars."
In bankruptcy, he said, the swaps might've been settled at 20 cents on the dollar. In other words, the government had leverage and chose not to use it.
"So I think that there has been an absence of hard bargaining here, and it is because the Fed puts its highest priority on its loyalty to the banking system and tends to subordinate economizing with taxpayer dollars."
The payouts also have fueled allegations of unnecessary back-channel bailouts on top of the publicly disclosed taxpayer-funded efforts.
New York Insurance Commissioner Eric Dinallo, the most vocal advocate for regulating credit-default swaps, told Congress on Oct. 18 that regulators were working in a vacuum.
"Because the credit default swap market is not regulated, we do not have valid data on the number of swaps outstanding," he said.
To ask a question about this story or any economic question, go to McClatchy's economy Q&A
Administration to crack down on mortgage, foreclosure scams
Recession has funeral homes cutting costs
Poll finds nation most polarized in decades under Obama


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Parents and your adult children: it's time to push through anxiety and uncomfortable feelings and start talking to each other -- in depth -- about finances.
That's the finding from survey results released Wednesday by Fidelity Investments. Among the consequences stemming from the "vast disconnect" in financial-planning discussions, children of older U.S. parents are vastly underestimating the value of their parent's estate, and a majority of the parties disagree on who will care for a parent should they become ill, the study said. It also analyzed levels of disagreement and miscommunication between parents and their adult children.
It is "troubling that detailed conversations are not happening, especially among those in the sandwich generation who may be grappling with competing financial priorities," with adult children having to plan for their own retirement, to prepare for their own child's or children's college education, and to deal with care of the elderly, Kathleen Murphy, president of personal investing at Fidelity Investments, said in a written statement.
The study showed 94% of adult children and their parents agree on the importance of talking about financial planning. But since the talks often lack depth, 24% of adult children believe they'll have to help their retired parents financially, while 97% of parents say they won't need help. Also, children are underestimating a parent's estate by more than $100,000, on average.
So, what's stopping parents from starting to talk about their retirement with their adult children? Thirty percent of them said they don't want their children to overly rely on a potential inheritance. Meanwhile, 40% of children said "they feel like it's not any of their business to ask their parents about these topics," according to the findings.
Also among the study's findings: while nearly four in 10 of adult children think their parents will have a comfortable lifestyle after retiring, only two in 10 of their parents think that's the case.
As parents live longer, "it's critical that families break down barriers, have these important conversations to make informed decisions and take control of their finances, rather than reacting to a crisis after it's too late," said Fidelity's Murphy.
The online study was run by GfK during July 24 and Aug. 29. The total sample recruited for the study included 975 parents and 152 adult children. To qualify, parents had to be at least 55 years of age, have a child older than 30 years of age and possess investable assets of at least $100,000. Of the sample group, the study's results compare 152 parents to one of their adult children. The children needed to have at least $10,000 saved in an 401 (k) or another investment account.
-- Carla Mozée
Follow The Tell blog on Twitter @thetellblog
Follow Carla Mozée on Twitter @mwmozee


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In a season that celebrated the rookie quarterback, Brandon Weeden was lost in the shuffle.
The Cleveland Browns passer threw for more than 3,300 yards in 15 starts, but was never a good match for the West Coast offense. New Browns coach Rob Chudzinski -- who turned Derek Anderson into a Pro Bowl player for Cleveland in 2007 -- has a track record of helping quarterbacks succeed. So does the guy he brought in to run his offense.
Chudzinski introduced offensive coordinator Norv Turner to the media Wednesday, announcing that the former San Diego Chargers head coach would call plays and also tutor the quarterbacks next season.
"A lot of (quarterbacks) have had their best seasons when I was coaching them," Turner told reporters, per Mary Kay Cabot of The Plain Dealer.
Neither Chudzinski nor Turner was willing to label Weeden as the starting passer -- "I think it's premature," Chud said -- but Turner praised Weeden's rookie handiwork.
"He has a lot of the skill set we're looking for. Certainly has a big arm," Turner said.
The Browns have been lashed publicly for failing to land Chip Kelly, but the team was attracted to Chudzinski's ability to build a coaching staff. The hiring of Ray Horton as defensive coordinator and Turner to run the offense are solid hires. The problem for the Browns, for a decade-plus, has been the lack of talent under center.
Weeden didn't capture the imagination last season. He often was the forgotten man when talk of the sensational rookies bubbled up. That had to do with his play, but also a young team in search of itself. This is a (not-so-young) passer who stands to benefit from a new scheme and new coaches.
Follow Marc Sessler on Twitter @MarcSesslerNFL.


text: This project transforms a bland strip mall space into a striking new retail presence for a contemporary furniture company. A custom screen made of aluminum tubing encircles the building exterior giving the store a unique new identity; custom metal fabrications and signage allude to the material qualities and craftsmanship of the furniture on display inside. The store interior features abundant natural light reflected in the highly polished resin floor; sheer curtains subdivide the space into room-like zones but allow spatial transparency.


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Champagne Punch with Raspberries
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Serves 12 |
An excellent New year's Eve cocktail.
|2 bottles Brut champagne, cold
|1 tablespoon fresh lime juice
|2 tablespoons sugar
|1/2 teaspoon Angostura bitters
|1 pint raspberries
|Ice, for punch bowl
- In a punch bowl, combine Brut champagne, lime juice, sugar, Angostura bitters, and raspberries. (Be careful not to mash raspberries)
- Add ice and serve immediately.
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What to eat before the Big Meal?
Here are a few recipe ideas to have before your Thanksgiving Day meal. Why not start off the day with something a little sweeter? Maybe a dish with apples? The perfect fall fruit, crisp, juicy and delicious. Or maybe you're in the mood for a hearty brunch, something with a little of everything. View Recipes >
Easy and delicious recipes for the big game!
Whip up classic favorites like a hearty chili, baked potato skins and Philly steaks. All your favorite dishes in one place! Don't sweat it on game day, we've got great starters and snacks to make it to the end. Perfect for feeding the whole team. Just be prepared to make seconds, these are the true crowd pleasers! View Recipes >


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ATLANTA — Gregg Marshall did not think he had much of a shot.
As an assistant coach at College of Charleston in 1998, he interviewed for the Winthrop opening, hoping to become a head coach after more than a decade as an assistant.
"I remember telling them my College of Charleston experience," he said. "I was not the architect, but I was the foreman and I carried some bricks. I slung some mortar. I could steal the blueprint. They fell for it. ... Nine years later, seven NCAA tournaments, it was a bit of a run."
He could be up for the Pritzker Prize of coaching for the temple of a program he has built at Wichita State.
Fifteen years after getting his first head coaching job, lacking the connect-the-dots journey across the map many coaches take before reaching this stage, Marshall is a day away from his first Final Four and Wichita State's first since 1965.
If he continues to spurn offers from power-conference programs, Marshall will join coaches such as VCU's Shaka Smart, Butler's Brad Stevens and Gonzaga's Mark Few who have made staying put the right move.
"I could retire there, I hope," Marshall said. "At the same time, if the right situation ever comes along at the right time, I haven't closed any doors. I listen. But I am very cautious on making moves.
"We turned Winthrop into a program where we could win consistently. I knew that we could win consistently at Wichita State. I don't care if you pay me $5 million a year and I'm getting my brains beaten out, I'm not going to be very happy."
Color him ecstatic this week as the ninth-seeded Shockers prepare for Saturday's game at the Georgia Dome against top-seeded Louisville.
When he took over the Shockers in 2007 from Mark Turgeon, they had gone 17-14. After finishing ninth in the Missouri Valley Conference in Marshall's first season and tied for fifth in his second, they have finished second or first in each of the last four seasons with at least 25 victories.
Few people picked them for the Final Four this season after losing five starters, but Louisville coach Rick Pitino says he did just that after watching Wichita State win at VCU in November.
"I'll say this without any exaggeration," Pitino said. "They're the best team we will have faced this year at the defensive end. They are Marquette on steroids."
Marshall brought to Wichita, Kan., a pestering, physical defense he learned by coaching alongside former College of Charleston coach John Kresse.
The Shockers' "angry defense" produces a rebounding margin of plus-7.5 and limits opponents to 39.8 percent shooting. During their NCAA tournament run, only top-seeded Gonzaga scored at least 70 points, and Wichita State beat Pittsburgh and La Salle by double digits. Second-seeded Ohio State shot only 31.1 percent in the regional final.
"They don't let you go into the paint without four guys attacking you," Pitino said. "They are the toughest team to score against."
This is the first time a Missouri Valley team has appeared in the Final Four since Larry Bird led Indiana State in 1979.
"There's more exposure for the league," Marshall said. "Ultimately it would help recruiting leaguewide."
The nation is getting to know Marshall. In his yellow-rimmed glasses, alongside Pitino, Syracuse's Jim Boeheim and Michigan's John Beilein, Marshall is clearly the answer to "one of these things is not like the other."
But he feels at home — at Wichita State and at the Final Four.
"Great to be (here) with this Shocker basketball team," he said, "a team that's exceeded everyone's expectations this year."
Twitter @sryantribune


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Oh dear! The Minister of Defence has disappeared, just before he was to be questioned by a Parliamentary Committee of Inquiry. The Parliamentarians are angry about his decision to order army unforms without public tender. These uniforms were purchased from a friend, at a high price, and their quality is far from satisfactory. The air is full of accusations of corruption. Welcome to Croania, a fictitious post-Soviet republic somewhere south of Russia. A new video commissioned by CESS shows trainees engaged in a simulation exercise. These games are the high point of our SSR training courses.
Security Sector Reform is one of the main themes in our current programmes. CESS has developed interactive training modules addressing specific needs of professionals working in the security sector, parliament, media and civil society. One of the key elements in the training is a simulation exercise.
CESS designs and delivers tailor made SSR training programmes (as well training of trainers) for target groups varying from civil servants of the European Union or Africa to parliamentary staff in Kazakhstan.
Watch this 5-minute video to see a simulation game in action.


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Raleigh Project Night
Raleigh Project Night meets on first Tuesdays. Have a project you want to show off, share, seek help with, or just get some work done surrounded by like-minded Python lovers? Join us for our monthly project night and do just that! Don't have something to work on? Just need some help with Python? Show up and enjoy the energy, sprint on an open source project, find something interesting to contribute to or be inspired by! The setting is informal and there is no schedule, so don't worry if you show up past the start time. Whether you are a Python newbie needing help or have an open source project you want to share, come hang out and hack. Bring your laptop.
For more information, visit
- What
- Project Night
- When
- 2018-07-03 from 18:00 to 21:00
- Where
- Red Hat Annex, 190 E Davie St, Raleigh
- Name
- Kevin Howell
- Contact Email
- email@example.com


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Buy a Gift Voucher
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Gift this class
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Sunday, April 28- Glorious sunset.
We are a social painting class dedicated to bringing creativity back into peoples everyday lives. At Life With Paint we believe everyone can and should paint. Our classes are designed for beginners but all levels of experience are welcome. Our classes are lead by people loving individuals, all supplies are provided so all you need to do is join the party!
Class Starts at 2 pm.
- Be guided step by step instruction to create your own interpretation of the selected painting.
- Explore and enhance your creative side in a supportive atmosphere.
- A fun night out eating, drinking and listening to music whilst you get creative.
- Expert tuition from an experienced Artist.
- All materials are provided including paint brushes, canvas, paints, easel and apron.
- Everyone takes home their own masterpiece.
- Your enthusiasm to learn!
Casual. An apron is provided.
No experience is necessary.
If you book into an event and miss it, we can't reschedule or refund the tickets after the fact. Our classes take planning, seats are limited and we hire helpers based on the number of people. We are a small business and margins are very tight.
- If the event is more than 48 hours away, you just need to reschedule your ticket and a small processing fee of $3 is charged. Please submit this form requesting a transfer to a new class Transfer Form.
- If this is a last-minute change in plans (less than 48 hours' notice), then sorry you forfeit the ticket or just send a friend along and they can use the ticket in your name. And you will still be able to use the COMEAGAIN code to purchase cheaper tickets for future events.
- If this was an emergency, there are some cases in which we can make exceptions to this policy.
- We do not provide cancellation for voucher tickets but they can be transferred to a date outside the expiry.
- For Online tickets we will accept cancellations if the person is genuinly unable to transfer in the next twelve months.
- From time to time we need to cancel an event, in this instance we notify you by email and mobile. We automatically transfer you into the following weeks event, but you can request any alternative event within the next 12 months.
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10. TERMS OF USE Your access to and use of the Site or other Service is also subject to the Terms of Use.
11. CONTACT INFORMATION Life With Paint welcomes your comments or questions regarding this Privacy Policy. Please email us at email@example.com


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Welcome, this is my gallery! All images are provided here in reduced quality versions, suitable for internet viewing only. All images are ©2005-2006 Tristan Steele, and are not licensed for redistribution or printing in any way or form. If you wish to use any of these images for any purpose, please contact me at: firstname.lastname@example.com, and I am sure we can reach an agreement.
If you wish to have your own print of any of my photos, please let me know, and I will organize it. Contact me for pricing. Due to licensing, some pictures are not available.
I am also available for limited photography of events around Canberra, for more information, please contact me.
Enjoy your stay,
Album: Random birds
A variety of bird photos.
Album: Flowers
Floral Photography (inc. Floriade)
Album: Panoramas
Various Panoramas
Album: Macro
Up close and personal!
Album: Various Water Photos
A variety of photos, all featuring water in some way.
Album: Astrophotography
Night Sky Objects
Album: Various Nighttime Photos
A collection of night time photos.
Album: Sunrise & Sunset
A collection of solar imagery.
Album: Photos from Occasions
See sub albums for individual events.
Album: Motor Sport
Motor Sport Photos
Album: The Technical Stuff
Images for comparison of Lenses


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Tom Coakley
Tom Coakley is completing his career at St. Lawrence University serving as an economics lecturer after completing a 17 year term as Vice President for Administrative Operations with related administrative and teaching assignments in the 10 previous years.
As Vice president Tom was responsible for Facilities Construction and Operations, Dining and Conference Services, Human Resources, The Brewer Bookstore, Environmental Health and Safety, The University Inn and Golf Course and the University's Canton Initiative. He served as board liaison for the Architecture and Physical Plant Committee and the Canton Initiative Board of Advisors. Tom came to St. Lawrence in 1982 as a visiting lecturer in economics, for what he believed to be a year "to figure out where he was headed next." Prior to leaving the economics department, for Vilas Hall, Tom served on University Faculty Council.
Tom was born and raised in Canton. He earned his bachelor's degree at Brown University, served in the US Army in Vietnam, and, after being critically wounded, resulting in the below knee loss of his left leg, returned to earn his MBA from the Wharton School at the University of Pennsylvania. Tom is married to Nellie Coakley, a former Army nurse, who also served in Vietnam. They have four married children, Kristen, Brian, Sean and Erin, and five grandchildren. Tom serves on several civic boards, recently serving as President of the County Chamber of Commerce, Treasurer of the Canton Potsdam Hospital, and as a public board member for the American Board for Certification in Orthotics and Prosthetics and Pedorthics. He also works with the Amputee Coalition of America where he and Nellie most recently became certified as ACA peer visitors.
Tom and Nellie, speak at a number of colleges and schools on their experience and Nellie presents her work in war trauma to a great variety of groups. The couple has appeared on various television programs including "China Beach." Recently they have been featured in Tom Brokaw's newest book, "Boom!" and the accompanying television documentary, "1968 with Tom Brokaw." As he moves into a professional stage of teaching and consulting, Tom's particular interests are found in small business and non-profit finance and strategic planning, and regional economic development.


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Find us on:
National Institutes of Health
6707 Democracy Boulevard, Suite 800
Bethesda, MD 20892-5465
301-402-1366 (Voice)301-480-4049 (FAX)301-451-9532 (TTY)
The mission of the National Center on Minority Health and Disparities (NCMHD) is to lead, coordinate, support, and assess the NIH effort to reduce and ultimately eliminate health disparities. In this effort NCMHD will conduct and support basic, clinical, social, and behavioral research, promote research infrastructure and training, foster emerging programs, disseminate information, and reach out to minority and other health disparity communities.
Wednesday, Oct 14, 2015
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