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God restores us in the midst of all the sin and brokenness in the world through His Word. God's Word creates a new reality for us. God's word of forgiveness pronounces us righteous and we are, in fact, righteous before God. And, Martin Luther reminds us, where there is the forgiveness of sins, God promises life and salvation. This promise is "written in stone"—hence the name for our newsletter, the "Word in Stone." (We also find the name fitting as most of our architecture here at Zion features beautiful lavender and grey stone.) May we cling to God's promises to us through faith in His Son, Jesus.
Be sure to check out the MissionExtra, a supplemental newsletter devoted exclusively to the mission of the Church!
OCTOBER-NOVEMBER 2013 wordinstone


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Make That Ten Shots!
As many of you know, the rabies vaccination is a series of shots. As I went back to the hospital for my eighth and second to last shot, by that point I had been cured of my fear of shots.
(Editor's note: As a kid, Z once famously hid out under a table in the doctor's office, trying to avoid a needle!]
With no fear, I went in, pulled up my sleeve, and waited for the nurse. The nurse wiped the spot where she was to put the needle and inserted the syringe. Immediately, the syringe turned red as it filled up with blood. The nurse had accidentally put the needle into a blood vessel.
The nurse quickly pulled the needle out, because if the rabies vaccine went into my blood, as the nurse described it, "The reaction would be drastic."
After many apologies and after talking with the doctor, the nurse said that she would fill a new syringe and inject it into my other arm. The nurse was so worried about what had happened that she made another nurse do the injection. And so I walked away with not one, but two holes in my arms...

subset: commoncrawl


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When the Sparrow Sings – Fifth Inning
Editor's Note: This is the sixth chapter of Jason's novel. If you need to catch up, you can read Chapter Five here.
Top of the Fifth
When we take the field in the top of the inning, all of us stand straight. We bounce and prance like ebullient race horses. We aren't trying to show up the other team, but it's hard to contain after what just happened. We're winning, we look in control. Why not be happy for a moment?
It's funny how little joy you're supposed to show as a baseball player. If I strike out Ferris, I'm not really allowed to pump my fist or shout. Unless maybe it kills a rally at the end of an inning. And even then, I can't overdo it. As though Mike Ferris doesn't understand that. Doesn't know how good he is and that it's a victory worth celebrating when a pitcher beats him. We are always told how lucky we are that we play a children's game every day, and then we are derided if ever we act like children. The world is contradictory.
But what we do right now breaks no unwritten rules. We are allowed to look happy when winning a World Series game at home against a very good team. We are allowed to bounce a little.
I finish my warm-up pitches, and they are so easy, and I feel so good, that I am reminded of when Dad told me I'd be great. I was a sophomore in high school when he told me. He didn't equivocate. It wasn't that I could be great. It wasn't that I'd be great if I applied myself. I would be great he insisted. I asked how he could be so sure.
"Because," he said, "no one has to pay any attention to you in the middle innings."
"You tire out eventually, like everyone does, and sometimes in the first, you take a minute to find your spot. But they have to get you early or late. There's nothing they can do in the middle."
This was something Dad had harped on about pitchers as long as I can remember. I don't know if it's true or not, but he always insisted the best pitchers were the ones who made you think that if you didn't get to them right away, there would be no getting to them at all. How great they were was all about how often it was possible to get to them early. In high school, I lost my control a lot, but he was right: If nothing happened in the first, that was it. Any runs that came in were a product of luck. It's not something that's changed as I've grown up.
We are in the exact middle of the game now, though I am a bit past my middle point. I won't finish the game — too many pitches – but I'm hoping to make it through the seventh, at least. In any case, I am untouchable right now, especially with the bottom of the order coming up.
I haven't even mentally acknowledged the name of the left fielder yet, but I know it. It's impossible forget, feeling so out of place in the modern game. Art Lynch. He sounds like someone who should have played in the thirties. The scrappy bench guy for the Yankees. Cheering for Babe Ruth and Lou Gehrig.
Then or now, he's not much to be concerned with. I feel bad, sometimes, about the how dismissive I am of certain hitters, and they do burn me at times. Of course, they do. Even a poor major league hitter is still a major league hitter, but I can't be bothered to worry about players I shouldn't worry about. I only have so much energy for that.
So yes, Lynch. Here he is. I lean forward, my arm dangles. I nod at the signal, throw the asked-for fastball, and watch a foul ball skitter down the first base line and bounce up into the stands. A new ball is tossed to me. My arm dangles. Another fastball. An awkward swing, but contact is made. He's gotten on top of it and it bounces quickly toward Adam at second. It looks like an easy enough baseball play. Routine. And then the kind of thing happens that none of us has any control over. The ball hits something – a hard clump of dirt, a little divot – and it kicks to Adam's right. He gets his glove on it, but doesn't hold on. He picks it up and makes a throw, but Lynch is on board. Easy innings are hard to come by tonight.
I'm still in the bottom of the order, though. Togneri-Jones is up. Last time, he sneaked on the way Lynch just did. He won't reach this time, but before he's put out, two surprising things happen. First, Lynch is off when I start into the stretch. Second, Togneri-Jones swings at a bad pitch outside. Hit and run. He makes contact, but doesn't do anything with it other than give Adam a chance to redeem himself. There's no play at second, so he scoops it up and tosses it to Alex for the first out. Lynch is in scoring position now, but it doesn't feel like anything to be to worried about, not with Newhall coming up.
The last play tells me they are scared. They are down two and already playing for one run. Or maybe the manager just wants to get what he can out of the bottom of the order. In any case, no one in the park is surprised when Newhall bunts at the first pitch. Brian and I have anticipated this and played into it by giving him a nice change-up, happy to have the out. He rolls it, rather nicely, right up the first baseline. I have to hustle a little to get the out at first, but I do get it. There is a man on third now, but there are also two outs.
And Ramirez is coming up.
Ramirez versus me is the real contest of this game and everyone in the park knows it. It was made clear when I wet my pants in the first inning and he took advantage the way everyone expected him to. Twice he has led off an inning. Twice he has reached and scored, but this situation is different. This time, he is trying to drive a run in and extend the inning for the more powerful hitters who follow him. Also this time, I am not scared. I am in a groove. I am pitching well. My team is winning. He should be on the defensive. Still, we must take him seriously.
He steps in with his piston bounce. Brian calls for a fastball, and as I reach back to throw it as hard as I can, his body stills. He does not flinch as the pitch misses just inside for ball one. Brian calls for a fastball again. Same location. He bounces. I reach back. He stills. Does not flinch. This time, I am better. Strike one. The stadium is quiet. If he gets a hit, a run will score. It's just a run. We'll still be winning, but it will feel like we are losing. We will have surrendered something. I will have surrendered something. I will have shown that I cannot beat him. If they can extend the game, send him to the plate enough times, he will beat us. By himself if he has to. I think of how Dad would be at moments like this. How he would breathe only between pitches. As soon as I came set before the pitch, he would hold his breath. Wait.
It wasn't intentional. I never told him I noticed it. I don't know if he still did it. I don't know if he did it when he watched me a few days ago. It's been ages since he sat close enough for me to tell. Brian calls for a change-up. Ramirez gets out in front of it and sends it foul. One ball. Two strikes. We are winning the battle. Brian calls for a slider, hoping to finish him. Ramirez bounces. Stills. Doesn't bite. Ball two. Another slider is called. It doesn't find the zone either. The count is full. The stadium is still dead silent. No one moves. No one breathes. It is as though my dad is somehow filling every seat in the stadium. Brian calls fastball. It's a good pitch. A great pitch. But it doesn't quite finish the job. Ramirez fouls it off. I can feel everyone shifting nervously in their seats. A glance in the dugout finds everyone not in the game standing and silent. Brian wants a fastball again. I give it to him and Ramirez does something insane. He bunts.
Ramirez is a good hitter. He's fast enough to bunt for a hit, but he doesn't have to. Bunting now makes no sense. A foul bunt with two strikes and he's out – the inning is over. He's relying on this. He must be. He wants to create chaos. He wants to catch us unexpected, and he does. It's a good bunt, off into no man's land between home, third, and the mound. It's my play, and I have to move quickly. I glance at Lynch as I run for the ball. He was paying attention and is dashing home. I could try a throw home, but it would be tough to get it to Brian in time for the tag. I decide to try first, which I know will also be close, but it's just a force play. If I get the ball there first, I win. It's an awkward move, no matter how I approach it, to pick up the ball, turn, and throw. I eschew my glove and barehand the ball successfully. I turn, whip the ball hard toward first, and fall over. As I fall, I don't allow my head to turn. I keep my eyes fixed on Alex at first. I see Ramirez flying down the line. I see the ball pop into Alex's glove. I hear the thump of a Ramirez's foot on the bag. I feel the my hip and shoulder collide softly with the turf. I see the fist pumping out call of the umpire. I hear Ramirez shout and shake his fist in defeat. I smell the grass. I hear the crowd scream. I hear the crowd scream. I hear the crowd scream. I stand. I feel Manny slap my butt as he runs past me to the dugout. Ramirez cuts across the field and as he passes me, he nods. Touches his cap just for a moment.
Bottom of the Fifth
The cheers of the crowd come down like a thunderstorm. The stadium rumbles. The ground shakes. It takes me just a moment to remember that I am supposed to run back to the dugout. When I get there and sit down, I close my eyes and listen to the downpour. If it was real and the heavens had opened up like this, the game would be over. It is the bottom of the fifth and we are winning. If the game were called, it would be over. I could say, "I did it, Dad. I won a World Series game. I won. Five innings. Two runs. That's not bad. I did it, Dad. I did it."
If I could say that. If I could say it and be heard. If I could.
But the downpour slows to a patter. I open my eyes. Remember. A clear night. The moon rising now, not quite full. More game to be played. Russell Jennings coming to bat.
* * *
Watching the media circus around Russell this year was something. Our fans were, of course, immediately supportive. After all, he had just led the league in OPS. He had finished an unfair second in the MVP vote. Can't boo that guy. We started at home this year and when his name was announced, he got the biggest cheer of anyone. Even bigger than me, and I'd won the Cy Young and hadn't been accused of any violent crimes. Of course, I am quiet and not a good quote. The reason Russell got such a cheer is that he handled the media and the fans like he handles the bat. He gave an interview a few days before Opening Day that was calculated to give him exactly that kind of ovation. I still have the article saved on my phone. I look at it when I want to feel bad, I guess.
Do you have anything to say about the ongoing allegations?
Well, my lawyers are going to be really mad at me for this – I haven't warned them or anything – but it's time to tell the truth. The truth is, yes, she was in my room. Everybody knows that already, there's no use denying it, and I don't like lying. But I didn't do anything wrong.
What happened then?
Oh come on, now. I don't want to drag the girl's reputation through the dirt.
But just saying she was in your room…
There's going to be a lot of he said, she said. The only people who will ever know what happened are the two of us. We've been fully cooperating with the police, as they'll tell you (ed. Local police confirm that Jennings has made himself readily available). I didn't do anything wrong. I let a pretty girl come up to my room. I learned later, I don't know if I'm supposed to talk about this, but I learned she's had some problems. I wish we could help her out. But now, it would look like something it wasn't.
That's going to read as pandering, you realize?
So what if it does? The truth reads like a lie often enough. Look at how I present myself. Talk to the people around me. Talk to my teammates. This isn't the kind of person I am. I don't do things like this. I like to go out, I like to have fun, but I don't want to hurt anybody. I have women in my life. My mom, my sisters. I'm not going to do anything to hurt a woman. I was raised better than that.
It went on from there. I don't find it particularly convincing, frankly, but I guess it could be, if you were already looking for a reason to be convinced. I think the reporter should be fired, though. He was making it much too easy. But then, Russell is too smart to do anything uncalculated. He knew the reporter was friendly. There's a reason he picked a national writer and not one of the local guys. I bet his lawyers knew what was up, too.
* * *
The roar is just as loud today as it was on that first day. The crowd can't stop cheering him. I have no need, though. Let him strike out. Let him look silly. I don't care. We're winning. There's nothing he can do for me right now.
Guillen looks focused. He's on a short leash and he knows it. The bullpen hasn't quieted all the way. Two guys are out there tossing gently, staying loose in case they have to get ready in a hurry. He starts off with a fastball and Russell watches it go by. Three more pitches and Russell still hasn't taken the bat off his shoulder, and he's ahead three balls and a strike. They're scared of him. They go ahead and make the fourth ball intentional and the crowd goes off. It's the World Series and they want to see him hit. They love him and they know he gives them a chance to win. But no one wants to risk grooving a pitch to him, so down to first he goes amid a shower of boos. If the boos were meant for him, the world would be a little more just.
* * *
When the season started, Russell would get some boos on the road. He'd get some signs expressing displeasure, but he always knew how to handle it. He'd get questions from the local media and feign earnest frustration. It's hard, man. What am I supposed to say? When someone commits a crime, you expect them to deny it. When they don't, you expect them to deny it. There's no evidence I can put forth. I just have to rely on my character. People know me. I feel like the fans know me, and they believe me. I have to rely on that. I'm just glad I've lived my life so that people will believe me.
Russell has always been about his public image. Most all of us give to charity, of course. I mean, if you make as much money as we do and don't give some of it away, people give you dirty looks. I think that's fair. I don't make a big deal about the money I give out. Some do. Some like to be out working with people. Sometimes just because they want to help and sometimes because they want to be seen as helping. I probably should be a little more public, but I don't want to be, so I'm not. I don't think it makes me better than the next guy or anything. I'm just chicken is all.
Russell's always been about shaking hands, though. He gives away enough money that no one can complain, and he's always public about it. He has these little projects that he supposedly runs, but really, he just shows up for photo ops and does what his people tell him to do. He could be a politician if he wanted. He'll be one of those players who retires into a nice TV contract. He'll play it right, and he'll be the kind of guy who gets to break juicy little tidbits. And if he keeps up like he is, he'll get into the Hall, and that's only going to boost his credentials.
I was really sick about it for a while. A few of us talked about it. Those of us in the rotation all stick pretty close and we get along well. Joel is our number two, and I think he was the first one who said something, actually. It's a coincidence that we all have sisters. Having sisters helps, I think. Though it shouldn't be necessary, and obviously, as you can tell from Russell, it doesn't always get the job done. Joel said something about not wanting to see Russell anywhere near his sister. We all agreed, though generally, our sisters have been around long enough that they don't have interest in ballplayers.
So we all talked about it for a while and somebody brought up the idea of leaking things to the press. I thought it might be a good idea, and I called Dad about it.
"Won't do any good."
"Why not. People should know. He's getting cheers everywhere."
"He's getting cheers because he's being upfront – pretending to be upfront – in every city. Some little bit leaks out and it just reads like sour grapes. Some other player on the team who doesn't like the attention Russell's getting. You want to get him, you'd have to go on the record."
"What if someone did?"
"They'd lose a lot of money on their next contract I bet. And Russell'd denounce them, which would count for a lot since he's so good. Lot of boos at home for that player."
I didn't say anything.
"You could maybe do it. You're good enough. You've got hardware and Russell doesn't. You're having just as good a year as he is, so no sour grapes. Still, the fans wouldn't like it. And you're about to be a free agent."
"Do you think it would make a difference?"
"It's not putting him in jail. I can tell you that. Might mess up the season for you guys, though."
Having this piece of knowledge and not knowing what to do with it is hard. I wasn't happy with what Dad told me, so I called Kristen and asked what she thought. I kind of knew what she'd say.
"He said what? And the prosecutor's office reacted how? Zack! How have you not said anything? You have to tell somebody."
"But do you think it will do any good?"
"Will it do any good? Zack!" She was livid. When she said my name, she stretched it into two syllables so she could squeeze in all her exasperation. Za-ack!
"It's just, I was talking to Dad."
"Oh yeah, Dad. I think we all know what Dad would have to say about that."
"Well, actually, he said I was probably the only one on the team who could do it."
"Did he encourage you?"
"I don't know. Maybe."
"Uh huh."
"Kristen, come on."
"Zack, do you have any idea how many of these guys are out there? And they all think they can do it because everyone turns a blind eye."
She was right. I knew she was right. You can't really argue with someone when they are so clearly right, so I shut up and let her lecture me and let her make me feel terrible and then, I guess because she's my sister and she loves me, she said this:
"Zack, I understand if you don't say anything. Dad's right. It probably won't do any good. I'd like you to say something. I'd like someone to call him out. Someone should. But I get that it won't matter. That it might mess things up for you. I get it."
I went back after that and talked to the other guys in the rotation. It came up over and over for a while when different guys told their sisters about it, but eventually it just faded into the background. Something we put up with. Our sisters all said they understood or had no reaction. None of us ever said anything, on the record or off. I wonder if we understood.
* * *
Alex is up now. I have a feeling that Guillen is running on fumes. I'd like to see things get out of hand for him quickly, but you never know in baseball. Alex gets deep in the count, too, and ends up with a full count. This is good for us. Guillen is going to be lucky to get out of this inning. Alex doesn't quite get it done, though. He hits a big, deep fly ball. In the heat of August, it probably goes over the wall. But now, in the cold, it drops just in front of the wall for the first out of the inning. Still, the bullpen is working.
* * *
When I talked to Dad about Russell, it was just as impossible as it always was to figure out what he actually thought. I think what he said was true. I don't think anything I could have done would have sent Russell to jail. I think, all things being equal, that he'd have been happy to see Russell get what he deserves. But then, why mention that saying something would cost me money?
We talked about it a few more times throughout the season, and every time he gave the same impression. It would be "right" to say something, but it would do more harm than good, so what would the point be? I came to feel like I was being manipulated. Effectively manipulated, I guess, since I'm sitting in the dugout at the very, very end of the season and still haven't said anything.
Dad and I got along a lot better when I was in high school, but looking back, it's been hard to wonder if it wasn't just a change in his approach. When I'd been smaller, he'd been willing to bully me to get what he wanted out of me. That's what the sparrow speech started as. But in high school, it was different. There was the coaching thing, for one, but around the house he was a lot different.
I was a star on the team right away, and that came with some ego. Dad wasn't going to try to take me head on anymore, though. Sometimes, I'd be sore or tired or just lazy and there was no way in the world I was going to work out unless it was a team practice. The first time it happened I was sitting in my room playing video games when Dad walked past and then stuck his head in.
"You get up early today?"
"Shouldn't you be doing the morning workout, then?"
"Too sore today." I didn't even look at him. I was focused on my game, and I didn't want to make eye contact if I could help it.
"Huh. Looked nice out. I'll have to look again, though. Thought I heard a sparrow out there. Must be wrong." And then he walked away.
I sat there for a few minutes, trying to focus on the game, but he'd gotten himself into my head, so I hit save, turned it off, and went outside to work out. It was a nice day. There were birds everywhere.
* * *
Now Hector. Ferris walks out to the mound to discuss how they want to approach Hector. That didn't happen at the beginning of the season, but as he's come on, teams have gotten more cautious with him. Whatever their plan is, it doesn't work, even if they do get the out. Guillen throws a curveball that doesn't break and Hector hits a hard, straight line drive the rattles against the wall in left center. Russell moves quick and is waved in, but Coates has an arm and this throw is every bit as hard coming back as the hit was going out. They get Russell at the plate. Maybe I chuckle a little. Can't say.
The manager comes out and there's a pretty good discussion out there on the mound. You can tell Guillen doesn't want to come out. It would be humiliating to come out of a World Series game in the fifth inning, but it's also pretty clear he doesn't have much left. He's lucky the score isn't more lopsided than it is. Managers like the idea of a pitcher finishing an inning, though. And I guess they aren't quite as afraid of Dave as the guys coming before him. That's fair. Dave can be beat if you change speeds on him, and Guillen's good at that.
* * *
After that first time, it wasn't long until the whole sparrow thing became a point of affection between us. It was a way for him to call me out without directly challenging me, which would never have worked. "Raining a little, but the sparrows are still at the feeder." "Cold out today. Did you see how hungry the birds are?" Sometimes, I'd still blow him off, but most of the time, I'd roll off my bed or out from in front of the TV and go work out.
Dad's other big tactic at the time was to find video of top prospects and show it to me. "See this guy. 95. Decent curveball. Control issues."
"I have control issues."
"This guy just got drafted in the second round by the Mets."
That's a hard feeling to articulate –- being fifteen or sixteen years old and seeing players who are supposed to be in the majors in a few years and thinking, well, I can pretty much do that.
No scouts were paying attention to me, though. We were in the middle of nowhere in Indiana. Small high school. Good, but not great. I'd get some looks later, of course, but as a sophomore, I wasn't on the radar yet.
* * *
Dave steps in. One way or another, I have to believe this is it for Guillen. If he gets the out, he finishes with five innings. Not great, but not a disgrace. If Dave gets on, Guillen gets yanked. I've always hated getting yanked. That's Dad's fault as much as anything else I do. Dad had a weird tick about pitchers who couldn't get out of the inning when they ran into trouble. He had an even bigger thing about managers sending a tired pitcher back out. He used to swear at the TV over it. He'd go on and on about how this or that pitcher better call a surgeon. Most of it had to do with Dad's sense of order. He liked clean innings. He liked clean games.
* * *
"He takes the sharpness out of games now." This was what Dad said to me after a few months of watching Russell this season. "All the fans screaming for him or against him. It interrupts the flow."
"No one really boos him now, Dad."
"My point stands. He's a spectacle. Never be a spectacle, Zack."
"I know, Dad."
Never be a spectacle. I don't know when this became Dad's philosophy. But he sure held to it. That's why he hated a pitcher coming out. He said it was a spectacle. The manager coming out to fetch him like a parent busting a pot-smoking teenager.
"It's humiliating. You have to see it coming. Managers don't pay enough attention and they're greedy. They always want more. It's a spectacle."
My dad knew a lot about baseball, but he never understood this. He thought he could see it because it's always easy to see things in hindsight, but I've been on the mound a lot more than he has. I won the Cy Young Award last year. I know about pitching. I know that sometimes you feel fine and then the next pitch, it's gone. That sudden. It can be in the middle of an inning or the middle of a batter. Sometimes you tire slowly. Sometimes you don't.
* * *
Guillen should be out, though. He's spent. Dad would be screaming furiously at the TV right now. He would hate what's going on. I can hear it. "They've had the bullpen up half the night. Use the pen! That's what you have them for." The last sentence he'd almost sing, his voice rising in the condescending way of a parent who has watched his child make the same stupid mistake over and over again.
But no. The manager is being greedy. He wants one more out. He wants his first reliever to start the sixth out fresh.
Guillen starts with a fastball and it's just a mess. He's dropping his arm and he's losing velocity. If the ball had been anywhere near the plate, we'd have two more runs now. Ferris can see it, I'm sure. Guillen probably can, too. The next pitch is a curve. Guillen still has his curve. He'll probably be able to break that pitch off when he has grandkids. It drops through the strike zone and Dave watches it for a strike. The next pitch is another curveball that Dave fouls off. The crowd is pretty pumped up. They want Dave to hit one out. Four runs feels like it would be too much for the other team. The game would be as good as won. Like my dad, they don't understand how fast it can turn.
* * *
The sparrow thing never left us, but it changed a little. Later in high school, when scouts were looking and Dad didn't have to make me work out, it was something he'd yell out at the mound when I was starting to lose it mentally. "Sparrow dancing around here by the bleachers, Zack, time to work." Sometimes it worked and sometimes it didn't. It was like a mini-mound conference where Dad told me to stop thinking so much. Just work. Pitching was an art. Work was work. Don't be an artist. Follow directions. Do as I was told. Dad knew me well enough to know this was a good strategy with me. Sometimes, I just lost it, and there was nothing anyone could do. But Dad helped the most.
* * *
Guillen has lost it, but that doesn't always matter. Dave gets on top of a curveball and sends a sharp little grounder to Ramirez. Not that it matters how hard it's hit. A ball would have to levitate above the infielder for Dave to beat out anything. The inning is over.
It's silly, but as I grab my glove and jog out to get ready for the sixth, I look around the park. You see birds sometimes. They come after the discarded food. The hotdog buns and popcorn. I can't usually tell what they are, but sometimes I notice a sparrow. I know all the sparrows. I'm looking for one now, but I don't see anything. I sure would love to see a sparrow, but there are no sparrows. Just the crowd.


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There is a large amount of intermediated borrowing and lending between households. Some of it is intergenerational, but most is between older households. The average difference in borrowing and lending rates is over 2 percent. In this paper, we develop a model economy that displays these facts and matches not only the returns on assets but also their quantities. The heterogeneity giving rise to borrowing and lending and differences in equity holdings depends on differences in the strength of the bequest motive. In equilibrium, the lenders are annuity holders and the borrowers are those who have equity holdings, who live off its income when retired, and who leave a bequest. The borrowing rate and return on equity are the same in the absence of aggregate uncertainty. The divergence between borrowing and lending rates can thus give rise to an equity premium, even in a world without aggregate uncertainty.
This paper was replaced by Staff Report 405 and subsequently published as Working Paper 685 under the title "Costly Financial Intermediation in Neoclassical Growth Theory."
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The same independence and drive that Jessica Wilkinson Patterson '09 used to trudge her wheelchair through Oswego's snow-covered campus helped her achieve a long-sought goal.
Patterson was crowned Ms. Wheelchair New York in August, winning the title after giving a speech on surmounting the challenges of physical disability.
"I came across the Ms. Wheelchair pageant online when I was in college," Patterson says. "I thought it would be empowering and fun." Because she did not meet the program's minimum age of 21, Patterson put her dreams on hold.
Years later, the coordinator of the New York pageant contacted Patterson and asked if she was still interested in competing. "I entered, and to my surprise I won," she says.
Patterson has used a wheelchair since she sustained injuries in an automobile accident in 2003 when she was 15. She graduated from Weedsport High School, earned an associate's degree at Morrisville State College and a B.A. in sociology at Oswego. She works as a client representative for Key Bank and aspires to have a career as a child life specialist, helping children cope with the trials of hospitalization.
It was her time at Oswego that prepared Patterson for the challenges and expectations that come along with being Ms. Wheelchair New York, including a round of appearances and motivational talks.
"The professors at SUNY Oswego taught me to push myself to be the best person I can be," she says. "They always encouraged me to put forth my best effort in anything I do in life."
Patterson explained that one of her biggest supporters is her husband, Jason.
"He attends all of my appearances, interviews and public speeches," Patterson says. "He is my biggest supporter and continues to be my partner and rock in life."
The couple has been married for four years. They live in Weedsport with their three dogs in the house they built. Patterson is excited for their future and is looking forward to competing in the Ms. Wheelchair America pageant set for August 2014 in Long Beach, Calif.
—Jillian Phipps '14
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How It Works
New and emerging research studies have shown that Tart Cherries, Goji Berries and Passion Fruit contain vitamins, minerals and naturally-occurring compounds that reduce insomnia and regulate sleep cycles. These three superfruits are combined to work synergistically for the first time in Berry Sleepy. In addition, Berry Sleepy superfruits are rich in vitamins and antioxidants. Try Berry Sleepy with your favorite eye sleep mask, and glide into deep effortless sleep.
Fall Asleep Fast & Wake Refreshed – Are you tired of being tired?
Done wasting your money on sleep aids that don't work and are bad for you? Whether you suffer from insomnia, sleep deprivation, or simply need a little help to get better sleep – than you're on the RIGHT PAGE! Berry Sleepy, the 100% natural sleep aid will give you the most satisfying sleep of your life, with none of the harmful side effects of regular sleeping pills. Say goodbye to insomnia & forget your sleeping problems!
The Only 100% Fruit Sleep Aid – No unnatural chemicals
Contains naturally occurring vitamins, minerals & antioxidants, including naturally occurring melatonin. Our natural sleeping aids are made up of a proprietary blend of three super fruits that are proven to induce sleep, resulting in best sleep possible! It's no wonder these sleep tablets are better than just 1mg, 5mg, 10mg Melatonin pills or generic over-the-counter sleep aids for adults.
Doctor Recommended, Drug-Free & Non-Addictive
If you want to fall asleep fast & stay asleep all night, then Berry Sleepy is for YOU! Our natural sleep remedy aid had been featured in NUMEROUS magazines and news affiliates – because it works!
Berry Sleepy is 100% natural, so expect feeling energized – no grogginess or sleep 'hangover'.
Passion Fruit contains Serotonin, a Mild Sedative perfect for helping you gently drift off. Goji Berries have a blend of Magnesium and Thiamin, ideal for high-quality rest. Tart Cherries contain Optimal levels of Melatonin to help you stay asleep.
Safety Information
Always consult a doctor before beginning use of this or any dietary supplement.
For relief of occasional sleeplessness.
Tart Cherry Extract, Passion Fruit Extract, Goji Berry Extract, Vegetarian Capsule, Silicon Dioxide, Magnesium Stearate
Take two capsules 20 – 30 minutes before bed.


text: The Energy Policy Modernization Act of 2016, first introduced by Senators Murkowski and Maria Cantwell in 2012, may be finally getting passed. The last energy act passed by Congress was back in 2007. We are long over due for change. However, we still have to wait and see until it is finally passed to see what is really going to happen. The NRDC and 9 other major environmental organizations have expressed concern over the act as it now stands in a letter dated yesterday. This is a bi-partisan bill in an arena where playing nicely together generally does not occur. At this time Congress is debating the many amendments which fall on all sides of the issue. See a brief summary from today's Utility Dive.


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What are "Pre-Listings"?
They are properties that owners want to sell but don't want to list in the MLS right away. Some have privacy concerns and not want "lookie loos" traipsing through their property. That is one of many reasons people turn to pre-listing a property.
As a Modern Broker agent I have pre-listings because of private access to hundreds of agents that have buyers and sellers looking for the perfect match. When you decide on me I start talking to my group and usually something comes up. Another way I get more exposure is promoting it as a coming soon property. No address or specific identifiers are used but this gets people looking for something in your area contacting me.
These are a few things I use and many of these types of transactions happen discreetly , quickly and both sides are happier.
Contact me to see if this is a good fit (seller or buyer) or not. If you have reviewed my testimonials out there you will see I put your needs first so don't expect me to be like the real estate agents you have met before.
Let's have a no obligation chat on your next real estate adventure. 🙂


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Aga's City60 Range
Aga's City60 range includes two ovens. Offered in two styles (traditional design shown) and 14 beautiful colors, it is mounted on wheels for ease of installation. 24"W x 36"H.
Flush Fits
Wall appliances left to right: 30" Speed Microwave Oven and 30" Storage Drawer (500 Series); 30" Single Wall Oven; 30" Steam Convection Oven and 30" Warming Drawer.
Multi-Door Black Stainless Refrigerator
KitchenAid's multi-door, freestanding refrigerator features a black stainless finish and a platinum interior. LED lighting, soft-close drawers, and two independent cooling systems optimize storage and keep food fresh longer.
Gaggenau's VL 414
Ideal for large kitchens and kitchen islands, Gaggenau's VL 414 downdraft ventilation appliance quietly and effectively extracts odors. Mount it flush or raised.
Ral Custom Color Program
ILVE's new Ral Custom Color Program for ranges and hoods allows you to choose from over 220 colors in both the Majestic and Nostalgie collections.
Gaggenau's RW 414/464
Gaggenau's RW 414/464 modular wine-storage refrigeration unit encompasses two adjustable temperature zones to store both reds and whites. 18"W.
AF210 Visor Hood
Gaggenau's new AF210 visor hood features brushed stainless steel with an integrated glass panel steam screen that can be concealed or extended out. Part of the ventilation 200 series.
Thermador's Freedom Collection
Thermador's Freedom collection includes a built-in, stainless-steel 24-inch wine column that can store up to 80 bottles. Full-extension wood racks offer flexible storage options. Dual independent temperature and humidity controls seal the deal.
ILVE Majestic 30"-Range
The ILVE Majestic 30"-Range is available in both Dual Fuel and Gas-Only versions.
The Majestic 48
The Majestic 48" Series range boasts up to seven semi-sealed burners, a multi-function European convection oven, and a standard electric oven among its many features. RAL, a new custom color program, allows more than 220 options.
Big Chill Retro Stove
This Beach Blue 30" Big Chill Retro Stove accommodates a commercial-size baking sheet, is available in natural gas or propane, and has four burners. Take your pick from eight standard colors (Cherry Red included), and 200 custom colors.
Techno-Majestic Range
The customizable ILVE 40" dual fuel Techno-Majestic range comes with an optional stainless steel backsplash and a color-matched hood.
UPR 503 Undercounter Pull-Out Refrigerator
Liebherr's new UPR 503 undercounter pull-out refrigerator combines high energy efficiency with ample storage space. It is also height-adjustable so you can easily tailor it to your kitchen design.
CM 210 Coffee Machine
Gaggenau's CM 210 coffee machine prepares classic coffee and a variety of espresso-based variations. A conical grinding unit made of tempered steel finely processes fresh beans.


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- Honda
- Odyssey
Hit the road with our 2014 Honda Odyssey EX shown in beautiful Alabaster Silver Metallic! With a 3.5 Liter V6 producing 248hp and tied to a 6 Speed Automatic, it scores 8.4L/100km on the open road; better than all other minivans. Surprisingly fun to drive, this minivan will impress you with its confident handling. After all, there's a reason this is the official minivan of carpool lanes and soccer fields throughout the suburbs. In fact the Odyssey has earned the MotorWeek Drivers' Choice Award for Best Minivan, and was named a Best Family Car by KBB.
The aerodynamic exterior design of our Odyssey EX adds style as well as function. Get behind the wheel and experience the refined interior, you may think you're in a luxury sedan! Designed with your busy family in mind the interior features child-friendly power-sliding doors for quick school drop-offs. A multi-adjustable second-row seat and 60/40 split-folding third-row seat accommodate your growing family. You'll appreciate an 8 inch display that conveniently allows you to customize your driving experience by communicating with the technology in this minivan.
You can rest assured knowing that anti lock disc brakes, stability and traction control, active front head restraints, front seat side-impact airbags and side curtain airbags that cover all three rows are there to protect your family. So start your journey with this Odyssey as your family's mobile command center. Print this page and call us Now... We Know You Will Enjoy Your Test Drive Towards Ownership!


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A Place in the Sun and in the SON
by Myrtle (Virginia) Thompson
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and IN THE SON
The air was unusually warm as we waited for the National Day of Prayer to begin. I knew it was going to be a warm day, that the sun would soon be beating down on us.
The crowd had gathered and sat down together, community participants joining hands and hearts to invoke God's blessings on our nation that May Day. I was anxious for the activities to begin.
The program was just ready to start when an elderly African American man took the seat beside me on the front row, in seats reserved for participants. He was tall and slender. His clothes were immaculate, his tie tied perfectly in a Windsor knot. It was the late 1990s, but there was a vintage look of the 1970s.
His cane bore part of his weight, but he carried himself with the uprightness of an authority figure. It was the pride of his demeanor, which captured my attention-- his pride of taste, pride of propriety—but all without the air of a proud man.
His bony hands were large for his size, gnarled like the limbs of an old oak tree which has suffered through many stressful winters. Were they telling me of hard manual labor? His fingers were long. I had always heard that long fingers
meant one had an artistic bent. His fingernails were broad. Another old saying came to mind: broad nails were a sign of generosity. Truisms which could be applied to this old man? I would never know.
I pondered his age. What circumstances had incorporated such a refined quality into the life of this elderly gentleman? I couldn't be certain. That is, until he prayed. As I sat pondering, his name was being called.
With a less than agile step, he steadied himself with his cane and moved to the microphone. When he gave the invocation, it was evident he was "standing on holy ground." The crowd of mostly Christians was standing with him. We knew he believed in the Source for answers to his petitions.
There was no loudness, no demanding of God. He offered up a prayer of humility, such as one in companionship with God might pray. There were a few moments of thanksgiving and praise, then confession and supplication as he poured out his heart about our national sins. He bathed his words "in Jesus' Name" and sat down.
By this time, the sun had risen above the trees. Our special seating as guests of honor had become a place in the sun. His confession and worshipful thanksgiving told me this elderly gentleman had another place in another Son—the Son of God.
The hot golden orb in the sky was no longer a disturbance to my thought processes. They were lifted higher now. I tried to listen as the rest of the service became a time of worship, but reverie had broken upon my mind and heart. I found myself thinking of the blessings of God and how often we have neglected thankfulness for all we have. It was what the old man had prayed.
I came to life as I heard my name being called. I rose to close in prayer this National Day of Prayer celebration. Someone asked to speak to me, causing me to lose sight of this one who had captured my thoughts by his prayer, but I believe we will meet again someday. "In that day" he will not need a cane nor will he seem elderly. It will be in that other "place in the Son" where we will sit together in and with the "Sun of Righteousness."
"But unto you that fear His Name shall the Sun of Righteousness arise with healing in His Wings, and you shall go forth..."
Malachi 4:2
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A hedge is simply a row of shrubs planted closely together. The veritable wall that they form can serve a number of purposes, be it as a living fence, a windbreak or a means of giving structure to your landscape.
Skill level
- Intermediate
Time Required
- Half hour per shrub to be planted
- Shovel
- Wheelbarrow (optional)
- Work gloves
Step one: Plan Your Hedge
Before you start digging or planting, sit down with pencil and paper. You can save yourself a lot of trouble by planning out your hedge in advance. Start with a scale diagram of your yard so you can best plan how to use the space you want to plant.
Step two: Select Your Plants
Use our plant database to research the shrubs you want to use. For example, you'll want to know their approximate spread when full grown so that you can effectively plan how many to plant in each row. Be sure to choose plants that grow to the approximate height of the hedge you want for your property. And bear in mind the maintenance demands of plants so that you don't end up committing yourself to more pruning and care than you can handle each year.
For the basics, try one of the following:
Zones 2-7: Lower-temperature climates call for a hardy evergreen. With its flat, spray-like shoots and its potential for reaching tall heights, Arborvitae is perfect for privacy hedges. If you prefer to add more color to your property, lilac can also withstand relatively low temperatures and produces fragrant trusses of blooms in a variety of hues.
- Zones 3-9: Highly versatile, juniper can be found in a range of sizes. Its hardiness and amenability to pruning makes it ideal for hedges in a range of landscape types.
- Zones 5-9: For well-groomed formal hedges, it's hard to beat the classic boxwood. Hardy enough to put up with rigorous shearing and shaping, boxwoods provide evergreen appeal to your landscape. For less formal hedges, consider a cypress shrub.
- Zones 8-11: For regions with soaring temperatures, something more durable may be required. Oleander stands up to the heat and can tolerate relatively low annual rainfall. Be sure to exercise caution around pets and children, though, as oleander is toxic if ingested.
Step three: Planting
Dig plots for each plant to the depth recommended for that particular plant, or a single trench for planting them all at once. If there is some concern over whether your soil will be fertile enough to support so many new plants, apply some manure or compost to the hole. Be sure to space plants evenly and close enough together that the foliage of each plant will grow flush against that of its neighbor. Requirements will differ depending on the type of shrub, but the following table can be used as a rule of thumb:
|a small hedge,
|6-8 inches apart;
|a medium hedge,
|about 12 inches apart;
|a tall hedge,
|18-30 inches apart.
Plants for informal hedges can be spaced further apart. For more tips, see our article on planting shrubs and trees for Autumn.
Need shrubs for the hedge you're planning? Take a stroll through the plants, bulbs and trees at the Home Depot Garden Center. Want to add privacy to your yard, but don't have time to maintain a hedge? Try a fence installed by the Home Depot Installation Services team.


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Sculptural Stoneware Mug (Copper Green)
Adam Ross
Sculptural stoneware mug by Adam Ross, with a copper green glaze. A wheel thrown vessel, which is sliced and segmented to produce a unique jagged surface.
Out of stock
Product Story
A fractured, sculptural stoneware mug by ceramicist Adam Ross. Firstly wheel thrown, each mug is then sliced and manipulated when the clay is leather hard to create its signature shape. Each piece is then applied with wood ash to create unique tones and textures on its surface.
Material: Stoneware, Copper glaze
Dimensions: Approx Height: 11-13cm Width: 8cm
Care Instructions: Dishwasher safe
Material: Stoneware, Copper glaze
Dimensions: Approx Height: 11-13cm Width: 8cm
Care Instructions: Dishwasher safe
The Maker Adam Ross Ceramicist - South East England
Adam Ross is a ceramicist using pottery as a means of sculptural exploration. Driven to create pieces with their own personality, Adam has developed innovative techniques to produce his tableware and artworks, from slicing pieces with wire to unexpected glaze applications. Having trained in ceramics from an early age, Adam went on to study ceramics at the Glasgow School of Art. He currently runs his own practice, and is also studio manager at the Kiln Rooms, London – an open access pottery studio.


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I definitely live a frugal life, and, to be honest, it is less need and more want. My husband and I both have really great jobs and earn a decent wage, but we choose to put our money towards the big ticket items, that for us, are more important than the material things. For example, in the last 4 years, my husband and I have gotten engaged and married, bought a house and travelled to 5 different countries, which for us is what we want our life to be all about. The other reason I shop frugally is due to the overuse of our resources and our need to consume as encouraged by the throwaway culture of our society … that combined with the words of my parents etched into my brain "they don't make things like they used to."
I actually work as a Graphic Designer, and whether you are a fashion designer, interior designer or digital designer, designers take their influences and inspirations from things they have seen before and recreate these into a new work of art. There is a famous quote "Nothing is original. Steal from anywhere that resonates with inspiration or fuels your imagination". My point is that every item you buy from the high-end stores has been done before, mid-century replica couch or coffee table has been done before, that gold leafed mirror has been done before, but to be honest they were probably made better and stronger and sturdier the first time around. In a throw-away society that encourages us to continuously consume, why not take a moment to really think about how you can be smarter about the way you consume.
Finding second-hand furnishings and mixing them with new purchases has been my approach to decorating our new (very old) home. Our home is a 1940s Post-War timber with many of its original features such as ornate ceilings, hardwood floors, leadlight windows and dark timber picture rails, and it was with these elements in mind that I have shaped our homes decor and furnishing. Furnishing your home for under $500 is easier than you think, and you don't have to lose quality or buy less in order to achieve a beautiful home that is personal to you – and looks amazing, of course!
Lounge Suite – $270
Our gorgeous couch was purchased from the very eclectic, vintage warehouse Relove at Oxley, while searching through their many rooms of vintage gems we came across this gorgeous 3 piece lounge suite for a mere $270, and we knew we had to have it. It's dark wood finish and floral upholstery. It fit the vibe of our home perfectly, and it was with this item that the rest came into place.
TV Cabinet – $80
Our TV cabinet was actually a Gumtree find, I had been looking for a dark wood finished cabinet for awhile and this corner cabinet was perfect for our living room area. I would have preferred a more vintage item but with some new brass handles from Bunnings and some vintage decorating it fits perfectly with our home decor. This item was listed for $120, and we were able to get it for $80 which for a solid wood item, in great condition, was a bargain price.
Coffee Table – $20
The hunt for a coffee table then began, and it was no easy feat. Many coffee tables on offer do not fit our home decor style, or because of their antique status were quite expensive. I was lucky to walk into a local Salvation Army Thrift store and found the perfect table for $20, with its turned legs and dark wood it fit perfectly with what I was after.
Ottoman – $12
Our brown vinyl ottoman was a great find, and I knew I had to have it the moment I saw it. Another thrift store find, at a local Lifeline store, this ottoman was only $12 and in excellent condition. It is the perfect height, and with no tears or fading it was in great pre-loved condition.
100 year old Piano – Free
The last item that, in my opinion, makes our living room complete was actually FREE. Did you know people give away pianos for free because they are so heavy it is actually considered a favour to move it? Well, that is how we ended up with our piano, and with a musical husband it was the final key item to finish off our room. Plus, it makes a great area to display my other eclectic home decorating items.
Many of the items decorating our home have been gifted or are items I salvaged from my grandparents or thrift stores. I love decorating with vintage and second-hand items as it really adds a unique touch to our home, I know that I won't walk into a friends place and they have the same couch, vase or painting. Unique items in your house help to make your home special, and I feel your home should tell a story about you. It is your place or comfort and of security… You should feel like your home embraces you with its love – like the feeling of climbing between fresh sheets and a warm blanket on a winter's night.
Furnishing your home on a budget is so achievable, you just have to have the imagination and insight to know what you are after and the patience to go looking for it. My home may not be like the others in magazines, but it is perfect for our house, and our personality. Our house feels like a home, and with the help of these pre-loved, second-hand items it is inviting and warm. I love incorporating new and old items together and allowing pieces of history to not end up in landfills but to give them a new lease on life.
Great online places to buy second-hand items:


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Find a Loan Officer
Whether you are buying now, wondering if you can qualify or just need some advice, Salem Five's Mortgage Loan Officers are always available to answer your questions.
Find a Salem Five Loan Officer by searching by Zip Code or City name and clicking the find button. If you know your Loan Officer, simply search by name and click on the name.
Para consultas en español, haga clic aquí.


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Here we are come with another food recipe such as Lemon Coconut Pound Cake Recipe. Pound cake is one of the most favorites dessert with no-fuss and very easy to cook. It is simple, easy and versatile. This scrumptious cake can be cooked quickly and you can serve this dessert to your loved ones on a sunny day after lunch. Lemon Pound Cake makes a succulent dessert for entertaining, Sunday suppers and special events. You can find the simple recipe of this scrumptious cake below-
- 1/2 cup unsalted butter (1 stick), softened
- 1 1/3 cups sugar (granulated)
- 3 eggs
- 1 1/2 cups flour
- 1/2 teaspoon salt
- 1/8 teaspoon baking soda
- 1/2 cup plain Greek yogurt or sour cream
- 2 teaspoons lemon zest
- 1 tablespoon lemon juice
- 1/2 cup sweetened flaked coconut, plus extra for topping cake (toasted if desired)
Also Read: Easy Homemade Chocolate Cake Recipes
For Glaze-
- powdered sugar
- Enough lemon juice to make a glaze.
- zest from 1 lemon
- Preheat oven to 325 degrees, butter and flour on a 9×5 loaf pan. Flour, Salt and baking soda stir altogether and set aside.
- In a mixer fitted with the paddle attachment or using a hand mixer, beat butter until it turns creamy at medium speed for 2-3 minutes. Slowly add granulated sugar and continue beating until it turns fluffy and lightened in color. After this, add eggs one at a time, and beat until it blends after each addition.
- Alternate adding yogurt to butter mixture and flour mixture, beginning and ending with flour. At low speed, continue to beat until blended after each addition. Stir the mixture in lemon zest, lemon juice and ½ cup coconut. Pour butter into a greased and floured 9×5 loaf pan.
- After this, bake it for 1 hr 5 min to 1 hr 15 min or until a long wooden pick inserted in the centre comes out easily. Cool it in a pan for 10-15 minutes and then remove the pan from pan to wire rack and cool completely about 1 hour.
- Ready to serve.


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Few details freshen up a space quite like new hardware, and it's no surprise! The glint and polish of their finishes, their metallic sheens and their buffet of styles and shapes harmonize the feel of any space.
Plus, hardware exists in nearly every room of our homes. We rely on the ease and functionality of knobs, handles, hinges and pulls far more than we notice — and usually only start to once they wear down.Continue reading


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New Years Resolutions
Time for New Years Resolutions! We pick the start of a new year as a new beginning; a time to end bad habits, mend fences, lose weight, and improve our health. Resolve to do something that you've always known you should do. Resolve to floss! It's easy to do and can make a difference. Flossing is important to the health of your teeth and gums, your overall health, and saves you money in lower dental bills.
I want you to floss BEFORE you brush. Why BEFORE? Well, everybody learns to brush their teeth when they're very young, and when you finish brushing, you feel "done". It takes another whole decision to floss your teeth, and they already feel minty clean. Most people will just think "I'll do it tomorrow", or "I'm just too tired", or "I don't have time right now." But if you floss first, you won't feel done after you've flossed, and you will go ahead and brush.
So here's the important part: Tie a piece of floss around your brush handle. When you pick up your toothbrush tonight, look at the floss, roll your eyes, set your toothbrush back down and floss your teeth first.
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Scraping off the rough edges…
January 14, 2012 Leave a comment
As we all enter into the new year, we strive to visualize a clearer, sharper future depleted of unpleasantries. Processing work 5 seconds faster, not devouring that one ounce of delicacy, spending 25 words more with family, etc – all minor adjustments to your KPI but having a telling effect on the results!
This new year, I would strive to perform better by visualizing every new problem as a window of opportunity. Major issues to focus on are:
1. Bringing quality to the Top Management
2. Building the Local Member Community
3. Learning from fellow quality professionals and vice-versa
4. Kaizen of work, home and life in general.
I am probably promising myself the same old resolutions of the past years, however the idea is to scrap off the rough edges, where they can be improved.
Happy New Year to all ASQ followers, particularly to all Influential Voices! Let us together strive to spread the essence of quality.


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Our Bicycles
Excellent bikes for rental in Sardinia
In case you're looking to hire a bicycle for a day, for a bike tour, or even several hours, there are a couple of things you should know first. What sort of bicycle is best for you? How would you ensure your bike is the correct size?
To ensure you have the best possible cycling or mountain biking holiday, you need bikes and accessories that are reliable and comfortable. For this reason, here at Dolcevita Bike Tours we select our bikes and accessories very carefully, using criteria that ensure high quality and compatibility with the paths of our cycling tours in Sardinia.
All the bikes are thoroughly inspected after each rental before being put into action on the road again by the next person. Any worn or defective parts are replaced immediately. In addition to classic bikes for cycling, the Trekking Sport bikes, our range of bikes includes CUBE GTC racing bikes and brand new CUBE electric bicycles with assisted pedalling.
So, which bike is the best for your bike tour?
- Road bicycles are best to hire in case you're looking going quick and you're riding on smooth asphalt. These bikes have smooth, thin tires, and are generally lighter than different sorts of bicycles. Our road bikes Cube Attain weigh 18,18 lb, 8.25 kg, perfects for uphills. They can be hired for free paths, but riding them on unpaved roads can be unstable.
- Hybrid bicycles or Trekking Bikes give focal points of both city bikes and mountain bicycles. They have huge seats, upright handlebars that give an open to riding position, and they are best to ride around town and hotel to hotel. They can be utilized on either asphalt or unpaved roads however are not proposed for rough terrain mountain bicycle trails.
- An electric bike, otherwise called an e-bicycle, powerbike or promoter bicycle, is a bike with a coordinated electric engine to help the rider's pedal-control. E-bicycles utilize rechargeable batteries and the lighter assortments can go up to 25 km/h (16 mph). In Europe it is not allowed, for e-bikes, to cycle faster than 25 km/h (16 mph).
How to hire a bike with Dolcevita Bike Tours
If you would like to rent a bike without joining a cycling tour, simply send an email to email@example.com stating your height, the type of bike required, the rental period and the start and end locations for your rental in Sardinia. You will be rapidly updated on the availability and collection methods.
In addition to bike rental, we can provide all the equipment you need for a cycling tour. We offer specific bags for active holidays and cycling tours, such as ORTLIEB back roller classic, ABUS handlebar bags with a convenient map holder. A repair kit and pump are always included, along with a free Dolcevita water bottle.
Before setting off, we will describe the bike, the technical specifications and how to test it, and will help set up the seat and handlebars to make sure they are comfortable to use. The bike rental can be for at least three days.
Our bikes available for rental
- Trekking Sport, classic frame and step-through frame
- Road bikes
- E-Bikes


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The Battle with Self-Doubt in Yoga
There comes a point in the journey of yoga when the questions of 'why' am I practicing and 'if' the postures of yoga are worthwhile surface themselves. Doubt (one of the 9 kleshas) as laid out by Patajalim in the Yoga Sutras is an affliction or mental aversion. As my teacher Yogacharya Venkatesha told me it is best to deal with doubt as soon as it arises. This is not to imply, however, that once dealt with it's over. In fact, doubt can be masked by other sticky feelings like frustration, pain or recklessness. From the perspectives of the teachings of yoga it is a part of the path; not something to be rejected. It can be used to strengthen practice provided it is properly understood.
In the Yoga Sutras the concept of doubt is a mental fluctuation deeply rooted in the mind. Doubt is also not as solid as it appears but changeable and workable. At a time when you'd love to skip the sequence, jump the track and move onto something else doubt, frustration and impatience keep you stuck. In many ways this is something I learned to be grateful for because the practice will not let you bullshit yourself. Either you have practiced the basics and are ready to move forward or you have not. It's simple. In my own personal practice and after learning many advanced postures I was not allowed to practice these under my teacher in India. Instead he lead me back to square one; i.e., to the basics. It was a painful method but effective.
The whole idea behind this approach was to remember that yoga is not only about the physical. When a student asks me how long it will take to master a pose and I know they have been practising for a few years and doubt is setting in, I usually tell them for the rest of their life. This is often met with rolling eyes. However, it is more truthful than saying, "Oh, just in a few weeks" (wink, wink).
The funny aspect of doubt is how it can bring to light the two extremes the mind jumps between. That is, feeling as if it is taking too long for any kind of result (usually directed at the physical level) and trying to compensate by over practicing. The Yoga Sutras painstakingly remind us that practice must be consistent and constant. Certainly this is not easy to swallow in a fast thinking and product orientated culture for which we live in. If you learn to hang in there you may just see all of this 'stuff' for what exactly what it is: the mind's game to throw you off.
The basis of the yoga postures lie in training the mind to move with the body in a continuous stream of prana (generated by the breath). Ultimately, it is not about touching your feet to your head or sitting in lotus as it is about understanding the scattered behaviour of the mind. Many years ago my teacher told me to think while practising. He said, "Stay longer and be still". It is very similar to Shri K. Pattahi Jois's well known phrase, "Practice and all is coming". By this he did not mean practice mindlessly, but practice with sincerity. Practising like this takes one further than expected and throws out doubt and fear.
Yoga also has this uncanny way of making you see you can go on looking for results or enjoy the process. B.K.S. Iyengar was good at repeating, "Do not practice from memory. Forget yesterday's practice and focus on today's practice." He was also adamant that one should strike a balance between practicing what they can and cannot do. The former helps build confidence while the latter reduces arrogance.
I personally believe as doubts surface it is a call for a clearer understanding of oneself and at a very profound level. If we can 'catch' ourselves and remain open rather than closed, the same doubt that created thoughts of inadequacy can be trained as a vital force. Rainer Maria Rilke said it best in these few lines:
"And your doubt can become a good quality if you train it. It must become knowing, it must become criticism. Ask it, whenever it wants to spoil something for you, why something is ugly, demand proofs from it, test it, and you will find it perhaps bewildered and embarrassed, perhaps also protesting. But don't give in, insist on arguments, and act in this way, attentive and persistent, every single time, and the day will come when, instead of being a destroyer, it will become one of your best workers -- perhaps the most intelligent of all the ones that are building your life."
Becoming a better practitioner or even a master is like being a student all the time. And for those who are they are very clear about the battle of doubt and learning to practice.
Ready to learn how to fight inflammation and address autoimmune disease through the power of food? Join our 5-Day Inflammation Video Summit with mindbodygreen's top doctors.


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This kitchen for me is a good blend of Contemporary & Modern. I must be reveal to you that I also think one of the most timeless shapes is the Hexagon. No matter your world view it is ancient.
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text: Robert Shearman <rob at codeweavers.com> writes: > Yes, the table windows in the query designer in Access 2003. Access > 2003 works on Windows 2000+. Maybe it's NT4 that doesn't send them then. Anyway, if the app needs them I don't have a problem with adding them back. -- Alexandre Julliard julliard at winehq.org


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Mountain Sage Family Clinic
1428 Warm Springs Dr
Dubois, WY 82513
Phone 307.455.2807
Fax 307.455.2809
Clinic Hours
Tracy, NP
Direct Primary Care
Contact Us
Tired of struggling with weight?
Feeling like you just can't get started or
stay on track?
Join us for a weight loss support group for ideas, tips, and group support! Some of the most important reasons for successful weight management is group support and accountability. We will meet on
Thursdays at 5:30 for 30-40 minutes, at Mtn. Sage Clinic
, discuss options for weight management, and have fun!
Initial gathering is Thursday, Nov. 16th at 5:30.
This will be an introductory meeting to talk about the different options for weight management and review the hormonal regulators. You select the approach that you feel will work for you. Then we will have ongoing tips and recipes for making it work. There is no charge for the introduction meeting, if you decide to continue it's just $5 per week. This membership includes weekly weigh-in and monthly measurements, along with the meetings.
Please RSVP by calling the clinic or on Face Book, so we can plan ahead.
Proudly powered by


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FormuLens provides a minimal but fully-functional Lens Design Software (LDS) interface for ECP's with their own generator and small labs, who don't wish to purchase an expensive Lab Management Systems (LMS).
Higher-order wavefront correction
With completely custom lens surfaces comes the opportunity to try and address higher order aberrations. The changing gaze angle of the eye during normal vision makes correction difficult in general use. However, researchers have claimed some improvements in vision using aspheric designs. Further, vision is a very active process, wherein eye movements are undertaken to improve understanding of the current scene. This suggests that the eye might discover and utilize a special high-order correction zone.
FormuLens provides the ability to incorporate various types of high-order corrections in freeform lenses.
Custom Generic Progressive Lens
The FormuLens Custom Generic PAL (Progressive Addition Lens) is a single product which can be adjusted through a wide range of performance requirements. With adjustable fitting heights from 12 to 22 mm, and "hardness" ranging between the extremes offered by designs from major vendors, and everything in between. The design is optimized computationally using our lens design system SimPAL for a dense grid of setting combinations.
Progressive Lens design is a complex problem. As described in our PAL Anatomy article, there are a large number of lens details to optimize and trade-off. Further, it is not even clear how one can change such structural features to get the desired result.
SimuLens performs a realistic simulation of a spectacle lens in use. The lens is to be described by arbitrary sets of points describing the front and back surfaces (e.g. generator points-files), and a refractive index. The eye position relative to the points is computed based on fitting parameters.


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Every product has it's own size chart which can be FOUND IN THE SECONDARY PHOTOS (under the main photo) on each item.No two size charts are exactly the same! A small on one size chart might be a medium on another size chart. For this reason, we ask that you measure your dog and refer to the size chart on each item in your order to ensure that you will receive a product that fits. Below is a guide to help you measure your dog. If you require assistance, please CONTACT US. We are happy to help!
*For collars, if there is no size chart then it is reasonable to assume that the size of the item will refer to the length measurement (except for a dog harness, in which case the chest measurement would be the size).
**All sizes for clothing are based mainly on chest girth. The chest measurement is critical, especially in larger breeds who have a much deeper chest. Please go one size larger for dogs with very thick fur or if your dogs size is on the border limit.
To determine the proper size for your dog, measure your dog's neck, chest and back with a soft tape-measure following the instructions below.
1. Neck girth is taken by measuring the circumference of the neck (where the collar sits). Measure closely around the neck and do not include space for fingers.
2. Back length is measured from the base of your pet's neck (where the collar sits) to the base of the tail. When measuring the back length it is very important that the pet is standing in normal position.
3. Chest girth is taken from the widest part of the pet's chest, usually behind the front legs. Measure closely all the way around the chest.
*** If you don't have a paper tape measure handy but you do have a printer, CLICK HERE!
Every necklace is hand made to reflect your personal taste; be it for yourself, a friend's birthday, a favorite pet, a special thank you or a gift for your sister. These fabulous dog necklaces are all custom made to order - therefore, no two are identical in detail.
Choose a unique saying or specify an individual/pets name for customizing (Lettering will be in ALL CAPITALS). Tell us if the item is for a male or a female. Specify if you would prefer an assorted or straight beading pattern. If you DO NOT or MUST HAVE a specific color or theme, please note that. (ie. LOVE PINK or Please, NO Yellow, Birthday Theme.) Don't forget to give us the pet's exact neck measurement so we can make sure it fits, as custom made items cannot be returned.
Email us at firstname.lastname@example.com if you have a question or a special request.
XS: 6.5 - 8" (Teacup)
S: 9 - 11" (Maltese, Yorkie)
M: 11 - 14" (Pug, Jack Russell)
L: 14 - 18" (Cocker Spaniel, Beagle)
XL: 19 - 22" (Boxer, Lab, Golden Retriever)
This item is custom made to order and therefore, is not eligible for return/exchange.


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Enjoy our weekly messages.
You will see that you may press play directly on this page or download them to your own player. Our preference is that you come and join us in person. The Sunday Seed Gatherings are primarily a time for the family of God to celebrate life with Christ and His community together. Overall we would like to encourage our listeners to participate in a local church and hearing the Word of God live.


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very nice in-action shot.
your shots of the mountains and the himalays are superb ….
going to nepal soon…..if my pics are 1/2
as good as yours i will be v pleased ..
Again an intersting shot, she looks so sad, but a great portrait
From the beauty of the highlands to the beauty of the people living in its shadow..
I spotted this gorgeous girl when she was trying one of many small Buddha statues to the tourists visiting the old centre of Kathmandu. Somehow I had only eyes for her :)
(3 comments add yours: click the link above the image, or share using the buttons.)


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Skip to Content
Benefits at a Glance
Active Employees
Former Employees
Contact ERS
About ERS
Reports and Studies
My Account Login
Contact ERS
About ERS
Reports and Studies
Benefits at a Glance
Active Employees
Former Employees
My Account Login
What can I use this to do?
Contact ERS
Additional Resources
Retirement - General
Retirement - General
Retirement - General
1. When am I eligible to retire?
The following information applies to employees who were ERS members on August 31, 2009.
To be eligible to retire:
your service credit must be established (not withdrawn) with ERS at the time of retirement, and
you must be at least age 60 with a minimum of five years of service credit.
You may retire under the rule of 80 if your years and months of service credit (at least five years) and your years and months of age equal or exceed 80.
Use the
quick calculator
to see how your service and age work together to make you eligible for a monthly ERS retirement benefit and health insurance. (if you have a Qualified Domestic Relations Order (QDRO), service from another
system, or would like an estimate including withdrawn service credit, you will not be able to use the quick calculator).
For additional information visit:
Am I eligible to retire
? or sign into your account to view your first eligible retirement date.
2. How is the amount I receive (my annuity) calculated?
Your gross monthly Standard annuity amount is calculated by multiplying your years and months of service by 2.3% per year (2.8% for 20 years or more of CPO service), and then multiplying the product of this by your average salary. The calculation of average salary includes base pay, longevity pay, Benefit Replacement Pay (BRP) and hazardous duty pay, if applicable. If you were hired before September 1, 2009 and left your account at ERS, we use the average of your highest 36 months of salary.
If you were hired on or after September 1, 2009, we use the average of your highest 48 months of salary. If you were hired on or after September 1, 2013, we use the average of your highest 60 months of salary.
Sign into your ERS account to generate a personalized retirement estimate.
3. Am I eligible for insurance during retirement?
You must have at least 10 years of service credit to be eligible for insurance benefits.
If you began work before September 1, 2001, at least three of those years must have been with an agency in the Texas Employees Group Benefits Program (GBP). If you began work on or after September 1, 2001, at least 10 years must be with an agency in the GBP. Retiree insurance benefits will start at age 65, unless you retire under the Rule of 80 or under LECOS rules.
Note about insurance: Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
4. Can I increase my service credit (retire earlier)?
You can increase your service credit by purchasing any of the following service credit that is applicable to your account:
Withdrawn/Refunded Service,
Military Service,
Waiting Period Service, and/or
Additional Service Credit.
You can
request the cost
for any service applicable to your account.
Learn more about purchasing service through a direct rollover
5. Can I add service credit from other retirement systems?
You can use service from an employer in the Proportionate Retirement Program (PRP) to qualify for retirement. Once your service has been verified and you have received an acknowledgment from ERS, it is combined with your ERS service credit at retirement to determine eligibility. The following retirement systems participate in the PRP:
City of Austin Police Retirement System,
City of Austin Retirement System,
El Paso City Employees' Pension Fund,
El Paso Firemen & Policemen's Pension Fund,
Judicial Retirement System of Texas Plan I,
Judicial Retirement System of Texas Plan II,
Teacher Retirement System of Texas (TRS),
Texas County and District Retirement System (TCDRS), and
Texas Municipal Retirement System (TMRS).
You may transfer TRS service to ERS when you apply for retirement to increase your service credit.
If you established service with a Texas Governmental Entity (TGE) and certified that service with ERS by December 31, 2005, up to 60 months of TGE service can be used to meet eligibility for retirement under the Rule of 80 before you reach age 60 Remember, TGE service cannot be used in conjunction with PRP service from another retirement system..
6. Can I use my sick/annual leave toward my retirement?
If you retire directly from state employment, you can get service credit for both your unused sick and annual leave. ERS figures both of these accounts separately. The first 160 hours of leave gives you one month of service credit. Additional fractions of 160 hours are counted as full months of service credit. You may use this type of service credit to:
satisfy requirements for retirement, including retirement under the Rule of 80,
increase your retirement payment, and
satisfy requirements for GBP insurance as a retiree.
For additional information visit the
Unused Sick and Annual Leave page
7. How do I start the retirement process?
Call ERS to start the retirement process no more than 90 days before your expected retirement date, which is always the last day of the month.
ERS will mail or email you a retirement acceptance form with options you elect over the phone. Sign the form and have it notarized. Return it to ERS, along with the other requested documents, before your expected retirement date.
Visit the Retirement Planning section of the website for more details and documents you should have when send the acceptance form to ERS.
8. Can I receive a paper retirement packet and make my selections?
No. Your retirement packet is personalized to include your retirement selections.
Your first step is to create your own personalized retirement estimate online and review your options. After you have made your decision, you must call ERS or schedule an appointment with a retirement counselor regarding your retirement selections. A retirement packet will then be sent to you with your selections.
9. Does ERS notify my employer about my retirement?
No. It is your responsibility to notify your employer that you are retiring. You must be off payroll (including a leave of absence status) by your retirement date. If you are on payroll the month following your retirement date, your retirement will be canceled.
10. Does ERS notify me when my retirement is complete?
Yes. A confirmation will be sent to your email address on file when all your retirement documents are approved. If you do not have an email address on file, your confirmation will be mailed to your home address on file.
11. Who can I designate as my beneficiary?
You may designate whomever you choose as beneficiary to receive your Active Account Death Benefit and/or life insurance benefits.
A beneficiary can be a spouse, child, sibling, relative, a friend, or even a charity/organization. When designating a beneficiary for your annuity option at retirement, you may only choose one person as beneficiary if you are electing a Retiree's and Survivor's Lifetime option, as the annuity amount will be based on the employee's age, and beneficiary's age at retirement.
You can log into your ERS account to designate your beneficiary(ies) or create a retirement estimate.
12. When will I get my first retirement check?
It is paid the last business day of the month following your retirement date.
13. Can I use my TexFlex Health Care Account after I retire?
Unless you participate through COBRA, your TexFlex health care account will be closed on your retirement date. You will only be able to submit claims for expenses you incurred before your retirement date.
If you have a TexFlex debit card, the card is deactivated on the last day of the month in which your employment ends.
14. What happens to my Texa$aver account at retirement?
Once you leave employment, you can no longer contribute directly to your Texa$aver 401(k) / 457 Plan. You can roll another employer's 401(k), 401(a), 403(b), or eligible governmental 457 account into either the Texa$aver 401(k) / 457 Plan. You can also set up a distribution schedule. Contact Texa$aver toll-free at (800) 634-5091 for more information.


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Dyson DC41 Animal: The Beast of Vacuums
They say for everything in this world, there is something bigger and meaner ready to take it down.
This theory runs rapid when it comes to vacuum cleaners and their ability to search, locate and destroy the beast of all beasts, pet hair.
That's right; in homes everywhere are piles and hidden masses of hair accumulating with ONE purpose, to make your life miserable.
The sneezing, and runny eyes, that's not from the pollen outside, it's the hair. Sorry you cut your bushes down for no reason. Pet hair's purpose at one time was to keep your pet warm, but even at some point, they too decided they didn't want the hair hanging onto them either.
So, now your home has turned into a haunted house of fur and you're out to find the best vacuum for pet hair.
This is no job for the minor leagues; you're going to need to call in the pros, the king of removing the demons of fur. There is only one vacuum for this job, the Dyson DC41 Animal vacuum.
The Monster of Them All
So, you have made up your mind and to the store you go. There it is, with a bright light shining all around. The power pulls you in for a closer look. You suddenly begin to see why this is the monster machine pet hair fears. Pesky hair particles stand no chance against the Dyson's root-cyclone high tech technology mixed with the power of HEPA filtration.
For those sneaky little hairy creatures that think they have escaped to the ceiling, the DC41 is just waiting for the chance to show them who is boss. The Dyson comes with a wand that has the ability to reach more than 5 times its total length, reaching even the tallest of ceilings.
- Powerful suction power of the DC41 scored the highest in test against 64 other bag-less vacuums. Scoring was determined in these categories.
- Suction power for removing hair from bare floors and carpets.
- Emissions testing proved that the Dyson's system could withstand the highest running time, proving it could easily do the job for large areas. Airflow being one the most important requirements for power for suction, this monster has this covered.
- When combining the power, emissions and airplay together, you get amazing suction giving you faster clean up time, making for a happy homeowner. Let's face it, when the mom is happy, the entire house is happy.
The Good Stuff
The first thing you will notice is the price. This Dyson vacuum might be a little more expensive than the others but for good reasons. Other than the power behind it, it comes with a state of the art debris nozzle/dusting brush combo tool along with a miniature head made just for upholstery. No more leaving the house with 3 or 4 pounds of cat hair on your clothes after a nap on the sofa.
If that doesn't impress you, this will. It has a cleaner head that self-adjusts for maximum cleaning for different types of floors. No more reaching down trying to figure out what level to place the head on.
With the flip of just one switch and TA-DA the beater bar is deactivated for bare floor use.
With its powerful cyclone and filtration it has the power to remove particles that even the human eye is unable to see. That is 0.5 micron in total size.
Easy on the back and body
The Dyson DC41 is self-propelled making it very simple to maneuver. The handle, a near flat shape makes it simple to clean under beds and tables.
Cleaning the DC41 makes life simple as well, made with a washable filter that last for the lifetime of the vacuum. The hose and accessories are easy to use, head is simple to clean. For best results, cleaning equipment every 3 months in suggested.
Dyson offers a 5 year, full warranty, having excellent reputation in making repairs with no hassle.
This Dyson pet vacuum is in a class all its own. There is no other animal hair remover that can compare to its ability of removing of all that hair that is causing your life such misery. There is relief just around the corner at your local shopping center.
Animal hairs live in total fear of this monster. You will be the envy of all the other houses on the block that have animal hair hanging out the windows.
Do yourself, and your lungs a favor go today and purchase the amazing powerhouse vacuum, the Dyson DC41 Animal, it is indeed a beast.
Popular Vacuums:


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By Robert Morris
If you are a writer, all you're supposed to do is sit down, open a plain word processor and write. Wrong! Other people think that a writer only needs to be creative and commit to a daily working schedule, but you know it's never that easy. You need to get through writer's blocks, find supporting facts from areas you don't understand, edit the content to perfection, attract clients and readers, manage your finances and cover many other aspects associated to your job.
In fewer words, you need to find the right tools that will help you work more effectively. There is no need to test dozens of online apps to get to the best ones; the following list of top 10 tools for writers will save your time.
This is not a writing tool per se, but it's effective for all bloggers and writers who base their work on online research. Instead of allowing yourself to be distracted by an overloaded bookmarks bar, you should start building an easily-accessible online library at Kippt.
Sometimes you need to write about areas you don't understand. For example, one of the main characters in your short story is a psychiatrist and you need to include reliable facts about his profession. It doesn't matter what kind of writing help you need; you can always get it at custom writing service NinjaEssays.com. This website hires professional writers from all areas of study, so you can easily receive content that will make your piece look believable. In addition, you can order affordable editing services at this website.
Thanks to this online tool, you can forecast the performance of your content before you even write it. It's always important to target the right readers and see how the ideas you have would resonate with your audience. In addition, InboundWriter will recommend related topics that promise great success in the online world.
Email marketing is important for aspiring writers and bloggers. MailChimp will help you send the right email to the right recipients at the right time. You will schedule emails to be sent based on customer preferences and behavior, so you'll be sure that the message will reach its recipient.
Microsoft Word is an effective writing tool, but it's sometimes too complicated and distracting with all its features. If you want to try a writing platform that brings you closer to the experience you have when writing on paper, then Draft is the right tool for you. The features of collaborative editing and productivity setting will add effectiveness to your work.
This is time tracking, project management and online invoicing software that will help you handle all business aspects associated to your work. Pancake is especially useful for freelance writers who deal with several clients at a time.
This writing tool combines intelligent features, a great range of support for different markup formats, effective editing tools and publishing platforms. The platform launches you in a distraction-free writing environment with collapsible sections and an automated table of contents that helps you navigate through the document.
Writing proposals is more difficult than working on the actual piece. Bidsketch will help you with that aspect and save you loads of time. The tool helps you to mix and match content, designs and fees that help you create a persuasive proposal in minutes. The beautiful templates may look as a mere decoration, but they will help you make a nice impression to your clients.
You invest a lot of time and effort into the work you publish online, so the last thing you would want is to see it duplicated on another website. Thanks to Plagtracker, you can easily find out if that's the case and protect your authorship rights.
Regular activity on social media website is part of every writer's job. Balancing between multiple platforms can be distracting and time-consuming, so you should definitely turn to Hootsuite – a tool that helps you distribute posts to all chosen platforms at the same time.


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Gevo Announces Webcast of Upcoming Analyst and Investor Day on September 8, 2011
ENGLEWOOD, Colo., Aug 31, 2011 (BUSINESS WIRE) -- Gevo, Inc. (NASDAQ: GEVO), a leading renewable chemicals and advanced biofuels company, is hosting an Analyst and Investor Day on Thursday, September 8, 2011, at the Four Seasons Hotel in New York, NY. The event will begin at 8:00 a.m. EDT and conclude at approximately 11:30 a.m. EDT. During the meeting, members of Gevo's senior management will provide an overview and update on Gevo's technology and the company's upstream and downstream strategies. The event will also feature guest speakers Ron Commander, Ph.D., Head of the Butyl Rubber Business Unit at LANXESS and Randy Dearth, President and CEO of LANXESS North America, who will discuss the benefits of Gevo as a strategic partner.
The event is invitation-only. A live webcast of the event will be available under "Calendar of Events" in the Investor Relations section of the Company's website at http://www.gevo.com. The webcast will be archived on Gevo's website following the event.
About Gevo
Gevo is converting existing ethanol plants into biorefineries to make renewable building block products for the chemical and fuel industries. The Company plans to convert renewable raw materials into isobutanol and renewable hydrocarbons that can be directly integrated on a "drop in" basis into existing chemical and fuel products to deliver environmental and economic benefits. Gevo is committed to a sustainable biobased economy that meets society's needs for plentiful food and clean air and water. For more information, visit http://www.gevo.com.
SOURCE: Gevo, Inc.
Peppercom for Gevo
Erin Howard, 212-931-6174
Stern IR for Gevo
Julia Avery, 212-362-1200


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Universal Credit
Which UC claimants can get help with their mortgage/secured debt payments?
What costs are covered, how much help is given and for how long?
When will the help start?
How does a UC claimant apply for the help?
When will the help stop?
How does the claimant pay back the loan?
What about those UC claimants who were on the old SMI system before April 2018?


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*Essential reading materials
Understanding Human Rights
Universal Declaration of Human Rights
Core UN Human Rights Instruments
Office of the High Commissioner for Human Rights
More on UDHR: Wikipedia with references to history and criticism, UN research website
What is the place of CRPD in international law?
*Has your country signed and/or ratified CRPD? Its Optional Protocol?
*Get to know the Committee on the Rights of Persons with Disabilities
Sessions of CRPD Committee – with links to govt, Committee, NGO materials for each country review
UN Treaty Body System (see p 19-40)
CRPD Structure and Overview
*CRPD and *CRPD Optional Protocol
CRPD Drafting and Negotiations from Survivor Perspective
*WNUSP Advocacy Paper to Mexico Expert Meeting 2002
Resource: CRPD Negotiation Archives
Some of the contributions by WNUSP
CRPD Advocacy by WNUSP: The Emergence of User/Survivor Perspective in Human Rights
More resources:
Special Procedures of the UN Human Rights Council
Special Rapporteur on the Rights of Persons with Disabilities
Fall 2017 materials:
Lecture #1 video recording and slides segment 1 fa2017
Spring 2017 materials:
Lecture #1 (playback – note that it works on Firefox and Chrome browsers, may not work on others)
Power point for Segment 1 (and pdf version segment 1)
1 page reflection on any of the topics raised in the readings and/or lecture.
Please also indicate whether you are new to human rights and/or CRPD or what level of knowledge you have, and share any relevant information about yourself that you would like the instructor to know.
(c) Tina Minkowitz 2017


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|» Products
|» Garden Tent
Garden Tent
Our company fabricates a wide assortment of garden tent using high grade fabrics. These sophisticated tent, available in different customized designs, are preferred for their precise dimension and exclusive designs. These outdoor tent are highly acknowledged for their high tensile strength and spacious nature. Prior to their final delivery, these tents are minutely checked on quality grounds for ensuring greater client satisfaction.
Product Features :