text: Insurance updater - Europe Publication | 25 April 2012 Introduction Julian Adams gives speech on the new approach to insurance regulation and the implementation of Solvency II Government responds to House of Commons Transport Committee report on the cost of motor insurance Linda Woodall gives speech on preparations for the RDR James Dalton gives speech on whiplash claims Germany: Broker not entitled to remuneration if bound/linked by cooperation agreement with insurance company Italy: Supervisory authorities publish enforcement criteria for the new interlocking prohibition Introduction Welcome to our insurance updater. We will highlight key legislative and regulatory developments. We will also review court judgments and insurance market publications that are likely to be of interest to you. Julian Adams gives speech on the new approach to insurance regulation and the implementation of Solvency II On 19 April 2012, Julian Adams, Financial Services Authority (FSA) Director of Insurance Supervision, Prudential Business Unit, gave a speech considering the Prudential Regulation Authority's (PRA) approach to insurance supervision in the context of the Solvency II Directive.Adams begins his speech by confirming that the PRA is expected to assume its statutory responsibilities in spring 2013, and that in order to make the change more manageable, the FSA was recently reorganised to reflect the future split in responsibilities between the PRA and the Financial Conduct Authority (FCA).Adams then discusses the principal benefits of the new arrangements. According to Adams, the clear combination of macro and micro-prudential responsibilities within the Bank of England will allow supervisors to understand and manage the nature and extent of cross-sectoral risk transfer, and the potential effects this may have on the overall system. Supervising insurers and banks together ensures consistency of treatment between the two sectors, meaning that transactions will be treated in the same way if they are the same in substance, irrespective of their legal form. The PRA's objectives will also result in a clearer focus from supervisors, concentrating on matters which go to the heart of the financial viability of firms, and their ability to meet commitments made to policyholders.Adams explains that the approach of the PRA is an evolution of that taken by the FSA in relation to insurance supervision in recent years, and goes on to list some of its main features. Firstly, he stresses that the PRA is not intending to implement a zero failure regime. Rather, the PRA will look to minimise the probability of firm failure and bring about a situation where the impact of such failure, both on policyholders and the financial system as a whole, is minimised. The PRA will also replace the FSA's current Advanced Risk Responsive Operating FrameWork (ARROW) with a new framework which brings together all strands of regulatory activity in a single supervisory strategy. The first stage of the new framework will be an assessment of the vulnerability of a firm's business model, followed by consideration of a reasonable resolution approach, which could be adopted in the event of firm failure. For insurers there are a number of long-standing and well-understood resolution mechanisms (including solvent run-off and schemes of arrangement) and Adams states that the FSA is comfortable with how these operate in practice. However, in the future the PRA may need to develop new (and possibly mandated) resolution approaches for insurers. The PRA will also undertake a detailed analysis of a firm's financial strength and consider the quality of a firm's risk management and governance arrangements.With the move to "internal twin peaks" within the FSA, Adams states that the first and most immediate change insurers will notice is that there will be separate supervision arrangements for prudential and conduct issues. From a prudential point of view, supervisors will start to implement various aspects of the new regime in addition to working with insurers in preparation for Solvency II.Solvency II brings with it significant requirements for supervisors to exercise judgement when dealing with the firms they supervise. This is especially true in relation to internal model approval, but also applies more generally across the full spectrum of the regime. The Directive enshrines a principle of proportionality which cuts across all aspects of a supervisor's work with firms. Adams explains that the principle does not provide scope to waive or otherwise disapply aspects of the regime for one group of firms or another. Instead, proportionality comes into play in the amount of work firms will have to do to demonstrate that a requirement has been met, and in the amount of supervisory time devoted to the review of firms' evidence. To illustrate, Adams discusses the self-assessment template used for internal model applications. Whilst the template includes 300 or so requirements Adams reassures firms that the FSA does not expect 300 separate pieces of evidence and that its supervisors and actuaries will not carry out an in-depth review of the evidence which supports each and every requirement. Instead, the review work will be targeted at those issues which are of the greatest and most fundamental materiality to a firm's overall solvency position. The approach will be judgement-driven and it is inevitable that differences of opinion will arise. Adams suggests that firms will see this in their relationship with the PRA more generally, and that the PRA will be more challenging than firms have been previously accustomed to.Adams believes that the need to be robust is especially important in the case of model approval, as models represent an approximate view of the world and are only ever as good as the data and assumptions that underpin them. This applies at both the level of individual types of risk and the way in which different parts of the model interact with each other. As a result, over the coming weeks and months Adams informs firms that they can expect a much higher degree of feedback than has been the case to date, with the FSA now being in a position to draw meaningful conclusions, not only at firm level, but across peer groups. If the FSA is of the view that a firm will not reach the required standard by a date which makes model approval viable before implementation, Adams warns that it will cease to work with the firm, who will need to exit the process.The need for a framework for intervention is another aspect which is recognised both by Solvency II and the PRA's design. Last summer, the FSA set out its intention to create a proactive intervention framework for the PRA, which will be an extension of the "ladder of intervention" under Solvency II. This will set out a series of trigger points at which regulatory action will be presumed and dictate the actions expected of firms' management and PRA supervisors. These actions will become more intensive as the firm's position deteriorates and will start to involve greater degrees of contingency planning. Adams contends that the use of skilled persons' reports is also likely to increase under the PRA.Adams suggests that the PRA's stated approach will be dependent upon its ability to collect and analyse high quality data, and the new data and reporting system for Solvency II will help in this regard. As well as informing the PRA's work, the Solvency II data requirements, and in particular the new disclosure regime, should have the effect of significantly enhancing the degree of market discipline to which firms are subject, through publication of reports which are compiled on a consistent basis across Europe.In the final part of his speech, Adams concentrates on what is currently happening with Solvency II. The FSA is now moving toward the submission stage of the internal model approval process and, as previously noted, firms could be forced to withdraw if they have not made sufficient progress. With this in mind, Adams believes it useful to highlight some of the points that the FSA has noted in its review work to date. Firstly, Adams states that some firms are falling behind with their own implementation plans and that this is beginning to cast doubt on their ability to achieve their submission slots. More specifically, the FSA has observed that: validation workstreams seem to be significantly behind other workstreams within firms; a perception exists amongst some firms that expert judgement is a "magic bullet" which can be used to explain away any aspects of a model which are not properly documented or justified; supporting documentation is often weak or underdeveloped; and much of the work the FSA is seeing on model change policies is weak.Whilst Adams mainly concentrates on internal model work throughout his speech, as we move into 2013 attention is turning to those firms who are intending to use the standard formula, and he concludes by stating that the principles expressed above are every bit as applicable to this work as they are to internal model approval.For further information: The new approach to insurance regulation and the implementation of Solvency II Government responds to House of Commons Transport Committee report on the cost of motor insurance On 20 April 2012, the House of Commons Transport Committee published the Government's response to its follow up report on the cost of motor insurance, which was originally published on 12 January 2012 (for further information, please refer to Insurance updater 17 January 2012). In the response, the Government confirms that it is committed to:Implementing Lord Justice Jackson's reforms in the Legal Aid, Sentencing and Punishment of Offenders Bill (including banning referral fees in personal injury cases).Extending the threshold for claims in the road traffic accident personal injury claims protocol from £10,000 to £25,000.Reviewing and reducing fixed fees that lawyers can earn from road traffic accident personal injury claims.Working with the industry and others to identify options and implement changes to reduce the number and cost of whiplash claims.Continuing to tackle uninsured driving and fraud by working with the insurance industry to have better access to drivers' records.Working to improve young drivers' risk and safety, including encouraging the growth of telematics.The Government also responds to specific recommendations made by the Transport Committee. Firstly, on the subject of whiplash the Government restates its view that whiplash claims and costs should not be rising. On 14 February 2012, the Prime Minister and the Secretary of State for Transport met the insurance industry at a Downing Street summit, at which they stated that the Government would work with the industry and others to identify and investigate appropriate ways to effectively reduce the number and cost of whiplash claims. To this end, the Government confirms that it will consider the Transport Committee's recommendations, which advocated the need for objective evidence of a whiplash injury before compensation is paid.In relation to referral fees, the Government states that the ban contained in clauses 54 to 58 of the Legal Aid, Sentencing and Punishment of Offenders Bill, will capture the key players; preventing solicitors and claims management companies from paying, and insurers receiving referral fees. This will cut off the source of funding for others, such as repair garages and credit hire services. Under the provisions, the Lord Chancellor will also have the power to extend the prohibition to other types of claim and legal services, should the case for doing so be made out. On 14 December 2011, the Office of Fair Trading (OFT) launched a market study into private motor insurance in the UK, which focuses on the provision of third party vehicle repairs and credit hire replacement vehicles to claimants (for further information, please refer to Insurance updater 14 December 2011). The Government will consider the results of this investigation and any recommendations made by the OFT when they are made available. The Government also confirms that it will implement the referral fee ban in April 2013 and states that it has commissioned a report on the road traffic accident protocol and portal, the results of which will be published later this year.In the Transport Committee's report it suggested that custodial sentences should be introduced for offences under section 55 of the Data Protection Act 1998. Section 55 provides an offence for anyone who knowingly or recklessly obtains, discloses or procures the disclosure of information without the consent of the data controller. The Leveson Inquiry has been set up to consider "the culture, practices, and ethics of the press, including … the extent to which the current policy and regulatory framework has failed including in relation to data protection". Given this remit, the Ministry of Justice has decided to await the outcome of the inquiry before considering the issue further. The first stage of the inquiry is expected to report in summer 2012. The Government also asserts that there are already effective sentences in place to deal with much of the reported behaviour in this area. Similarly, the Government considers that adequate regulation already exists to tackle cold-calling intended to generate personal injury claims and does not believe that the investigation suggested by the Transport Committee is necessary. It will, however, continue to ensure regulators exercise their powers to intervene when they discover malpractice.Additionally, the Government reports that it is currently working with the insurance industry on the detail of the systems design for a solution which allows them access to the Driver and Vehicle Licensing Agency driver record. The industry has agreed in principle to fund the infrastructure build and, subject to agreement on the detailed design and costs, the system could be implemented by early 2014. It will also consult on whether the fixed penalty fines for motoring without insurance are appropriate relative to comparable offences and what the potential impact would be on repayment levels if the fixed penalty notices were increased. A follow up summit with insurers is planned for later in the spring.For further information: Cost of motor insurance: follow up - Government response to the Committee's Twelfth Report of Session 2010-12 Linda Woodall gives speech on preparations for the RDR On 17 April 2012, Linda Woodall, FSA Head of Investments Department, gave a speech considering the Retail Distribution Review (RDR), the final rules of which are due to come into force on 31 December 2012. According to Woodall, for many firms, there is still a lot to do to be ready for the RDR and she uses her speech to explain what the FSA has done to help firms prepare themselves, the progress made by firms, and the FSA's efforts to inform consumers of the forthcoming changes.Based upon recent FSA surveys, firms are taking positive steps in preparation for the RDR. For example, 69 per cent of respondents have developed and begun to implement a plan to be compliant with all RDR requirements. Woodall confirms that the FSA will continue to carry out its own ongoing analysis of issues in the retail investment market and that it will look to have more face-to-face time with firms to assess progress over the coming months. The FSA will also visit larger firms with more complicated business models, including banks, building societies and insurers, to ensure readiness for the new regime. The FSA has already produced a range of materials on implementation and held briefings for larger firms that focussed on the risks that affect them. For example, in the life insurers' briefing, the FSA discussed manufacturing RDR compliant products. These briefings will restart later in the year.Woodall states that the FSA is constantly being asked to confirm what is being done to promote understanding amongst consumers about the benefits the RDR will bring, and explains that, in order to target the right messages, the FSA has segmented consumers into two groups. For "engaged" consumers (those people who already seek investment advice), the FSA has published a leaflet explaining the new approach. For "non-engaged" consumers (the rest of the population), the FSA appreciates that a different approach is required and it is currently discussing this with consumer groups and organisations. The awareness campaign will gather pace as the year progresses and Woodall stresses that a joint effort will be required in order to reach all those that need to be informed.The FSA recognises that the RDR represents a huge change to firms' businesses and Woodall suggests that it is unsurprising that the 2012 Retail Conduct Risk Outlook highlighted a potential risk around how firms are transitioning their business models in preparation for the RDR. The FSA recently assessed the quality of consumer outcomes arising from the increased use of centralised investment propositions and published a report entitled Assessing Suitability, which gave examples of good and poor practice found during the review. The FSA wants to help firms get to where they need to be and Woodall explains that these guidance papers give examples of the best practice it is looking for.On the subject of the professionalism requirements, Woodall provides figures showing that compared to summer 2011 the proportion of advisers with an appropriate qualification has risen from 50 per cent to 71 per cent. Indeed, 93 per cent of advisers should complete the appropriate qualification on time. Having said this, gap-fill is one of the weaker areas and Woodall stresses that it is important that advisers now press on and achieve an appropriate Level 4 RDR qualification and obtain a Statement of Professional Standing (SPS). To this end, the FSA has approved eight accredited bodies to help with and verify the gap-fill and qualification requirements, and to issue the SPS.The FSA is also concerned that it has encountered some firms that are yet to take steps to develop an adviser charging structure. Implementing a suitable charging model has the potential to be the most challenging element of the RDR as it takes time to put together a proposal, communicate the change to clients and test it. Woodall contends that putting this off represents a huge risk, both to a firm's business model and its clients, and if firms have not yet started they should do so now. Firms need to fully consider whether providing an independent or restricted advice model best serves their client base and to help firms with the new independent advice requirements, the FSA has recently published guidance which addresses common questions. The FSA has noted that the number of advisers choosing to offer a restricted advice model has increased and Woodall points out that this is not a second class option and advisers will still need to adhere to the same qualifications and suitability requirements.Finally, Woodall confirms that towards the end of the year, the FSA is planning to share its supervision strategy and discusses the transition to the FCA. The FCA should begin life in the first half of next year and Woodall explains that it will largely retain the FSA's day-to-day supervisory methods. Firms will, however, see a big difference in the intensity and speed with which the regulator acts, particularly when the FCA sees things happening that could or have already started to pose big risks to consumers.For further information: Getting ready for the Retail Distribution Review James Dalton gives speech on whiplash claims On 24 April 2012, James Dalton, Association of British Insurers (ABI) Head of Motor and Liability, gave a speech on "Britain's whiplash epidemic" and considers whether whiplash should be compensatable.Dalton begins his speech by addressing the current situation regarding whiplash claims. Dalton states that last year, 570,000 people claimed to have suffered a whiplash injury costing Britain's car insurers over £2 billion representing a fifth of all motor claims. Furthermore, in the last three years, claims for whiplash have risen by a third. With whiplash adding £90 to the average car insurance premium, Dalton states that the insurance industry together with the Government is determined to address the spiralling costs of whiplash claims. Dalton argues that the difficulty in diagnosing whiplash as an injury combined with a compensation system that is too convoluted, too complex and too costly has led to increased claims for whiplash. Insurers are addressing the problem on a number of fronts, however, Dalton argues that in order to tackle the problem a change in the law is required.Insurers have supported the Legal Aid, Sentencing and Punishment of Offenders Bill from the outset and Dalton states that it should deliver important behavioural changes in the system. Dalton goes on to argue that, as a priority, tackling the compensation paid for whiplash needs to be addressed. Dalton offers some solutions for the Government to consider including: whether whiplash should still attract general damages when there is no objective medical evidence of an injury; capping or reducing the level of damages awarded; having independent, accredited doctors examining whiplash claims; and facilitating insurers' use of bio-mechanical evidence to help weed out exaggerated or fraudulent whiplash claims. Dalton concludes by stating that the Government and the insurance industry must work together to bring about fundamental reform and argues that public debate is needed to address the current whiplash epidemic.For further information: Do Insurers want to ban whiplash? Germany: Broker not entitled to remuneration if bound/linked by cooperation agreement with insurance company An insurance broker entered into an agreement with a customer to solicit a life insurance policy, for which the customer was to pay the broker a fixed amount of remuneration. The brokerage agreement contained a provision stating that the broker only had to solicit a life insurance policy and owed no further advice or similar obligations. It subsequently transpired that the broker had entered into a cooperation agreement with the insurance company that issued the life insurance policy to the customer. The broker did not disclose the financial benefits earned or received under the cooperation agreement and the policy documents used by the insurance company implied that the broker was a representative of the company. The customer refused to pay the agreed remuneration.Germany's Federal Supreme Court ruled in favour of the customer and held that independence is a key criterion for an insurance broker. A broker who is a shareholder or commercially linked with an insurance company is not entitled to remuneration for insurance policies solicited with that insurance company. Although the customer could not prove what financial benefits the broker had received from the insurance company (and the broker himself did not disclose them) the court held that the mere fact that a cooperation agreement with an insurance company exists creates a commercial advantage for the "broker" and makes it likely that in case of any dispute or difficulty the so-called broker will support the interests of the insurance company as opposed to his customer. A true "broker" has a legal obligation to serve the interests of his customer. In such a situation the "broker" no longer qualifies as an independent broker in the legal sense and is not entitled to any brokerage commission.For further information, please contract Dirk Otto in Frankfurt. Italy: Supervisory authorities publish enforcement criteria for the new interlocking prohibition In December 2011, the Italian Government enacted an "interlocking prohibition". According to the rule, persons who are members of management, supervisory and controlling bodies or top managers of a company or group operating within the financial services markets (either in the credit, investment or insurance sector) are prevented from taking similar roles in competing companies or groups carrying out the same business, except for those companies or groups which are linked by a control relationship as defined under Italian competition law.If a person's election or appointment falls foul of the interlocking provision, they then have a 90-day period to opt to remain in one position or the other. If a decision is not made, they will automatically lose office in both of the competing companies.On 20 April 2012, the supervising authorities of the Italian financial services markets (the Bank of Italy, the Italian securities exchange supervisory authority, CONSOB and the Italian insurance market supervisory authority, ISVAP) published a joint position paper listing the criteria that they have agreed to enforce the interlocking prohibition. The position paper aims to guarantee the consistent interpretation of the interlocking prohibition by the authorities.In the insurance market, competing companies will be identified based on the criteria given by the Italian antitrust authority, AGCM. Under the criteria, insurance companies are considered to be competitors if they are operating in the same class of business. Similarly, distributors are considered to be competitors if they are operating in the same class of business and in the same distribution channel (i.e. agencies/direct marketing, bancassurance brokerage, etc).According to the position paper, positions held within the branches of foreign companies based in Italy fall outside of the scope of the prohibition as the Italian authorities would not have the power to require a relevant person to leave their position.The new provision and related position paper aim to prevent interlocking directorates, which are of particular significance in Italian financial markets and which have prevented competition and the development of Italian financial institutions. Many directors and managers have already given up key roles in banks and insurers in compliance with the new regulations, and many more are expected to follow in the coming weeks.For further information, please contact Nicolò Juvara in Milan. Sector: Financial institutions Practice: Insurance Top


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Around fifteen percent of the United States population suffers from dog or cat allergies, so there's a decent chance that someone in your family is allergic. This could present a huge problem if you want to add to the family in the form of a feline or canine companion. Allergies range greatly in severity, and affect everyone slightly differently. If someone in your family has very severe allergies to cats or dogs, it would be unwise for you to get one. If the allergies are milder, it is possible to live with a furry friend, but you should know what you're dealing with first.
Pet allergies are most often caused by the dander, or dead skin that the pet sheds. People can also be allergic to the saliva or urine of a cat or dog, though these allergies are easier to deal with. Contrary to what many people believe, cat or dog hair is not typically an allergen. However, hair often carries dander and other allergens such as dust or pollen, which often makes dogs that shed lots of hair harder to deal with. Dander allergens are extremely small and will float through the air and land on furniture without anyone in your family being able to see it.
If you are allergic to dogs or cats, any dog or cat will trigger your allergies. Some people, however, will be more or less allergic to specific types or species of dog or cat. Additionally, some species of dog are believed to be less allergenic in general than others. While this is not entirely true, and no dog is non-allergenic, some dogs have been known to be easier on allergies. These include dogs with non-shedding hair, like the poodle, smaller dogs, and short-haired dogs.
The symptoms of dog and cat allergies are similar to those of many other types of allergies. Contact with the pet will cause runny nose, itchy, watery eyes, general cold-like symptoms and potentially itchy skin or rashes. The symptoms are most severe when in contact with the animal, but may last for awhile after.
There are many things you can do if you or someone in your family suffers from cat or dog allergies, but you still want to own one.
Remember, if you are allergic to cats or dogs, you will not be able to get rid of that allergy. Except in some cases where children outgrow them, allergies are permanent. So before you decide to get a cat or dog, you should decide if it will be worth the itching and sneezing.
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President Barack Obama, Secretary of State John Kerry, and Ambassador Samantha Power joined the international community today in marking the 20th commemoration of the genocide in Rwanda.
President Obama said, "We honor the memory of the more than 800,000 men, women and children who were senselessly slaughtered simply because of who they were or what they believed. We stand in awe of their families, who have summoned the courage to carry on, and the survivors, who have worked through their wounds to rebuild their lives. And we salute the determination of the Rwandans who have made important progress toward healing old wounds, unleashing the economic growth that lifts people from poverty, and contributing to peacekeeping missions around the world to spare others the pain they have known."
.@JohnKerry: We stand with the people of #Rwanda, renew our commitment to bring an end to genocide once and for all. http://t.co/MLfOd4BZMQ
— Department of State (@StateDept) April 7, 2014
On behalf of President Obama and the people of the United States, Ambassador Power led the U.S. delegation to the commemoration ceremony in Kigali, Rwanda.
Ambassador Power said, "On this solemn day of sorrow and remembrance, we come together to honor those who survived, mourn those who perished, and move forward with the unfinished tasks of accountability, healing, and reconciliation. In so doing, we are encouraged by the remarkable progress Rwandans have made in rebuilding their society, particularly in the areas of education, agriculture, women's empowerment, and health. Deeply conscious of the human costs of mass violence, Rwanda has also been a prominent and effective contributor to international peacekeeping operations, including the African Union mission now underway in the Central African Republic."
Ambassador Power continued, "As individuals and nations, we lack the power to rewind history; we cannot restore life to the hundreds of thousands of men, women and children who were so ruthlessly deprived of life twenty years ago. But we do have the power to honor the memory of those who were lost; to strive to prevent future genocides; and to join forces across every boundary of geography, culture, ethnicity, and creed to foster a climate of mutual understanding, shared respect, and lasting peace."
Kigali Genocide Memorial Centre displays family photographs of individuals who died in the Rwandan genocide, Kigali, Rwanda, April 5, 2014. [AP Photo]
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Interactive Travel Map | Trip Page
Secretary of State Hillary Rodham Clinton is visiting Rome, Italy, from May 4-6 to participate in a meeting of the Libya Contact Group. Today, Secretary Clinton held a bilateral meeting with Italian Foreign Minister Franco Frattini at the Italian Ministry of Foreign Affairs. The Secretary and Foreign Minister discussed a broad range of issues, including the situations in Libya and Syria, our efforts in Afghanistan and Pakistan, as well as the commercial, educational, and cultural ties between the United States and Italy.
Before discussing their meeting, Secretary Clinton first highlighted the strong friendship and partnership between the United States and Italy and thanked Foreign Minister Frattini for hosting this Contact Group meeting about Libya. She said, "This is a great source of pride to our country, because Italy is not only our NATO ally, but our partner in the G-8 and the G-20, a close collaborator on a range of critical issues from counterterrorism to peacekeeping, and a nation that shares our democratic ideals and our commitment to prosperity, peace, and progress."
She continued, "As Franco said, we discussed at length where we are and where we're going with respect to Libya. The United States and Italy have stood shoulder to shoulder along with NATO and our regional partners. Today, we will be discussing in depth how better to increase the pressure on Qadhafi and those around him diplomatically, politically, economically, how we can bring about the outcome that the people of Libya and the international community seek -- an end to the violence against civilians, and the beginning of a democratic transition to a better future.
"We also discussed our deep concern about the alarming situation in Syria. Our nations have called for an immediate end to the use of violence by the Syrian Government against its own people, and we've joined the chorus of the international community. Just last week, the Human Rights Council condemned the violence and is dispatching a mission to Syria to investigate. The United States has announced targeted sanctions against key individuals and entities that have engaged in grave abuses in Syria. And I appreciate very much the foreign minister's call for EU sanctions that should be pursued. Together, we have to show the Syrian Government that there are consequences for this brutal crackdown that has been imposed on the Syrian people.
"I also want to express our deep appreciation for Italy's important participation in the mission in Afghanistan. Four thousand Italian troops stand with us in doing the difficult work of securing Afghanistan and paving the way for its more effective transition to a better future. We're very grateful for that commitment.
"With respect to the ongoing efforts in Afghanistan, Usama bin Ladin's death sent an unmistakable message about the strength of the resolve of the international community to stand against extremism and those who perpetuate it. But let us not forget that the battle to stop al-Qaida and its affiliates does not end with one death. We have to renew our resolve and redouble our efforts not only in Afghanistan and Pakistan, but around the world, because it is especially important that there be no doubt that those who pursue a terrorist agenda, the criminals who indiscriminately murder innocent people will be brought to justice.
"Now there are so many other areas where Italy and the United States are intertwined -- certainly, our trading and commercial ties, our educational and cultural ties, and our very important family ties. And we join in congratulating Italy on this important milestone year of your independence. You may know that Vice President Biden will be leading a distinguished delegation for the formal recognition of independence on June 2nd, and we could not be more excited.
"I am very grateful to the close collaboration that I have developed over my time at the State Department with Franco, and we look forward to continuing to work on a range of important and critical issues between our two countries as well as regionally and globally."
You can read the Secretary's complete remarks here.


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45th Presidential Inauguration photo gallery
Area Scoreboard 6-3
Bishop Ryan Girls Basketball Camp
When: July 8-11
Divisions: Entering grades 6-8, 9 a.m. to noon; entering grades 3-5, noon to 2 p.m.
Cost: $100 for girls entering grades 6-8; $80 for girls entering grades 3-5
For more information, contact Julie Stewart at email@example.com.
MSU Athletics Summer Camps
Various camps – including team camps and specialized skills camps – offered for basketball (grades K-12), volleyball (6-12), football (3-12), wrestling (7-12) and soccer (K-8). Camps begin at the end of May and run into August, depending on the sport. Campers will receive T-shirts and other prizes.
For more info and specific camp dates, contact the MSU athletic department at 701-858-3041 or log on to msubeavers.com.
Team Wanted for Girls Camps
A team or teams are needed to fill out the Mohall-Lansford-Sherwood girls team basketball camps on June 19 and July 10. The camp statrts at 4 p.m. each day and each team is guaranteed three games.
Cost: $85 per date.
Contact: Wayne Brackenbury at 756-6114.
Magic City Basketball Summer Leagues
Who: Two Divisions – Boys entering grades 4-5 and boys entering grades 6-8.
Where: Magic City Campus
When: Grades 4-5 – June 4, 11, 18, 25, 27 and July 9; Grades 6-8 – June 3, 5, 10, 17, 19, 24, 26 and July 8. 1-3 p.m. each day for both divisions.
Cost: $80 (or $70 if same kid is registered for Magic City basketball camp).
Contact: Dean Winczewski at 290-3765.
Girls Basketball Mini-camp
Who: Girls entering grades 1-3.
Where: Edison Elementary
When: July 14-16, 6-8 pm
Cost: $50
Contact: Dean Winczewski at 290-3765.
Boys Basketball Mini-camp
Who: Boys entering grades 1-3.
Where: Edison Elementary
When: June 23-25, 6-8 p.m.
Contact: Dean Winczewski at 290-3765.
Basketball Camps
June 10-12 – Boys and girls grades 1-8 in Towner
June 23-24 – Boys and girls grades 7-12 in Carrington
July 7-8 – Boys and girls grades 1-6 in Leeds
Contact: Greg Foster at 208-1341 or firstname.lastname@example.com for more info and registration form.
Minot High Strength and Speed School
What: A ten-week strength and conditioning program for Minot High School student athletes.
Where: Magic City Campus Human Performance and Fitness Center
High school sessions (students entering grades 9-12): Two sessions beginning June 3 Monday through Thursday each week. Start times are 6:30 a.m. and 8 a.m.
Middle school sessions (students entering grades 6-8): One begins June 3 and meets at 9:30 a.m. every Monday and Wednesday. The other begins June 4 and meets at 9:30 a.m. every Tuesday and Thursday.
Cost: $69 for middle school sessions, $99 for high school sessions
Registration: Sign-up forms available at school offices or gomagi.org. Completed forms with payment may be dropped off at school office or forwarded to Coach Barry Holmen at Magic City Campus.
Contacts: Pat McNally 857-4431, Barry Holmen 838-4422, Russ Gust 857-5626.


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Product Information:
Build and tone muscle in your lower body while increasing your cardiovascular health in the Stamina Avari® Programmable Stepper. To keep you on top of all your essential workout stats, InTouch® monitor displays rotations per minute, time, calories, pulse, target heart rate, body fat measurement, calendar, room temperature and clock. InTouch® also comes with 20 different programs and four individual user programs for custom workouts.
For additional information relating to the Manufacturer's Warranty, please contact 417-889-7011.
- Handrails with sensors monitor and display heart rate
- InTouch® monitor shows rotation per minute, time, calories, pulse, target heart rate, body fat measurement, calendar, room temperature, clock, alarms and scans all functions
- Motorized tensions control makes for efficient movement
- Can be adjusted manually and during a pre-set program or during workout
- InTouch® monitor comes with 20 different programs, four individual user programs, personalized training
- Transport wheel allows the product to be easily moved
- Padded handrails provide a comfortable grip and usability
- Dimensions: 42" x 40" 59"
- Manufacturer's Warranty: 5 years frame, 90 days parts
- Model: A400-300
- Stamina
For additional information relating to the Manufacturer's Warranty, please contact 417-889-7011.
Country of Origin: ChinaWeb ID: 19509666
Customer Reviews:
Rated 4.8 out of 5�by 4 reviewers.
Rated 4 out of 5�by Cordy Great basic stepper My only reason for giving four stars is that of all the output options the stepper gives you on the display, the resistance is the smallest and hardest to read... Assembly was a piece of cake. The stepper mechanism is very smooth. October 24, 2016
Rated 5 out of 5�by CW Works great The wife loves it. Smooth and quiet. Similar to commercial machines. January 11, 2016
Rated 5 out of 5�by hopeforit Pleased It got beat up during transportation, but still got here in one piece.UPS was not gentle with it. Put it together last night and briefly used it. So far, so good!! I have used stair steppers at the gym for years and years. I wanted one at home, but always googled the ones they had at the gym, which ended up being over 3k. Like others have said, the computer is not easy to use, but the steppers feel the same as the gym's. Once I get a few good work outs in, I will be updating. April 3, 2015
Rated 5 out of 5�by Crow62 Product Review My home gym is now complete with the Stamina Avari Stepper. I was so impressed with the durability of this piece of equipment and the ease of assembly. No more paying gym fee's and waiting in line to get my cardio on. I would highly reccomend this product to anyone. Thank You! February 19, 2015
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Wes,It's possible that state and local laws may apply to what you want to do. You may want to check with your local health department to find out what you will have to do to comply with health regulations and whether there will be a health inspection, and you should also check to see what kind of business license you will need to carry on a business in the town. There may also be insurance aspects involved, so I would ask your insurance agent if any current policies you have in effect will protect you. If you have to hire drivers, then the insurance aspects can get very messy, for you and the drivers. If you have to deal with taxes, you may also need to get a tax ID, etc. If you do any new construction, you may have to get permits and be subject to inspection, submitting plans, etc. I'd be curious to hear what you learn.Peter


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Warrior crawl
TUPPER LAKE – Bloomingdale resident Joe Merrihew took first place in the 3.5-mile Tupperpalooza Warrior Run at Big Tupper Ski Area Saturday.
Merrihew finished just ahead of Malone resident Stephen Kemp with a time of 45 minutes and 10.3 seconds. The pair crossed the finish line neck and neck in the second annual race.
Merrihew said it was his first time doing the race, and he found it challenging. The course has a number of obstacles for participants to overcome, including mud crawls, walls and steep hills. Most people finished covered in mud.
"I know this mountain really well, and they decided to pick the steepest trail on the whole mountain to make us go up," Merrihew said. "There was a mud pit that you sunk in hip deep, that when you splashed in it, it smelled like poop. So it was pretty intense, man."
Some of this year's participants said the course was actually harder than the one used last year. Part of the reason for that is there were several obstacles added, including a trench crawl and pond crossing through frigid water.
"I had a lot more fun this year," said Tupper Laker Keith Kogut. "The obstacles were great. It was a lot more challenging, and I think the competition was stiffer this year, too."
Kogut finished in fourth place in 46:22, two spots back from his result last year. He came in just behind Christian Woodward of Middlebury, Vt., who had a time of 45:43. The next fastest local finisher was Lyndon Gillis of Tupper Lake, who came across the line at the 1:03:52 mark for seventh place.
The next finisher was Tupper Lake native Kara Kavanagh, the top female finisher with a time of 1:04:04.
Carey Case of Tupper Lake was the second-place female finisher with a time of 1:07:18. She was 10th overall.
While awards were handed out for the top competitors, most people were just doing it for the opportunity to have a good time. Many of the entrants were good athletes who generally compete in other sports.
"I do triathlons and normal runs," said Betsy Nichol of Copenhagen. "This was totally out of my comfort zone. It was fun."
Elizabeth Romand of Albany said it was a good time also.
"It was very challenging, but it was a lot of fun, definitely a good time."
The Warrior Run kicked off a week's worth of activity in Tupper Lake.
There were numerous other events this past weekend, including the "Rock the Arc" benefit at the Tupper Lake Municipal Softball Field. Five bands, including headliner Double Axel, performed to raise money for the Adirondack Arc, a nonprofit organization that helps individuals with developmental disabilities.
On Sunday, Tupperpalooza continued with the Beach Fest at Little Wolf Beach.


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yo kitchen crew..
yes, the kitchen is your domain... there you are king.
i and others have for a lifetime been tripping over your blue/green/wooden box/pallett/container/delivery things. one time i saw some girl actually land on the floor cos of them...(she was slightly hurt)
you leave them around/under/on the decks/dirty plates areas..no! this is not acceptable!.. this is a narrow passage way, already difficult to navigate due to the tight bend and the inevitabilty of laptop users, chairs etc.. further slalom hazards are not required!
please can you either temporarily store them in the kitchen (there is now more space due to the removal of two large things) until you put them in there final resting place (the bin?) or immediately put them in the basement somewhere not in the way.
i and others would be very grateful.


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Armaid Therapist Self Care Tool
This tool will extend your career. The best massage you'll ever give yourself.
The only tool that uses specific "active release" and "trigger point" therapy techniques. You easily control the direction and pressure in real time using Armaids' patented lever design. Armaid provides deep tissue massage to open up tight muscles, tendons and ligaments anywhere from your forearm and hand, allowing you to help yourself when and where you need it. Simply sit in a chair and strap Armaid to your thigh. It's equipped with snap-in therapy rollers (hard balls for the forearm, soft balls for the wrist and hand) and supportive padding.
Virtually unbreakable, weighs one pound, use anywhere; has 2 interchangeable attachments (3rd attachment - foam roller Item #230-0392 - sold separately) - for different maladies, an Instructional DVD and a 10-year warranty on the frame. Made in Maine. Designed by a Sports Massage Therapist.
Thousands of professionals like yourself world wide depend on Armaid daily to quickly release tight muscles and tendons of the forearm, wrist, hand and elbow that cause tendonitis and RSI. "We want you arm-and-hand healthy."™
Praise for Armaid
"Best Therapy Tool." - Editor's Choice 2011 Climbing Magazine
"ArmAid is the single reason I'm a practicing massage therapist today. It saved my career!" Sarah Austin, LMT
very very dissapointed too much work


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TRAVEL TO Woodfield Mall
#1 shopping destination.
After a long dayof retail therapy, find a place to unwind, rest your head and be refreshed foranother day in Schaumburg. We have several Shop & Stay packages with areahotels located within 2 miles of Woodfield Mall. They include, Hyatt House Schaumburg, Hyatt Place Itasca, Fairfield Inn & Suites Chicago Schaumburg,Hilton Garden Inn Schaumburg, Hyatt Place Chicago/Schaumburg, Hampton Inn & Suites Chicago Schaumburgand Radisson Hotel Schaumburg.
Each hotel has a customized Shop & Stay package that includes an American Express® Simon Giftcard. Click on the links to take you directly to learn about each Shop & Stay Package.
Shoppers can dine at great restaurants including Texas de Brazil, Red Robin, and The Cheesecake Factory, and then catch a comedy show at The Improv Comedy Club. Families will love dining at Rainforest Café then heading to Build-a-Bear Workshop, The Disney Store, or the LEGO store for some fun shopping. Little ones need a break from shopping? Stop by the Play Park, located just outside of Macy's on the lower level.
Thinking of traveling to Woodfield with a large group? Woodfield Mall offers groups of 10 or more arriving via motor coach a Signature Meet & Greet service. Upon arriving, your group will be greeted by a Woodfield Mall representative who will give your group general information on the mall and help answer any questions your group may have before beginning their shopping adventure.
Each shopper will receive a Woodfield Mall shopping bag filled with a handheld directory, a Style Pass with discounts and offers to over 100 stores, and additional merchant offers. There is no charge for this service. In order to receive this service, please pre-register your group at www.simon.com/traveltrade or by calling 847-330-0220 at least 2 business days in advance of your arrival.
Woodfield Mall is conveniently located near two major interstates, just 40 minutes west of Chicago and 15 minutes from O'Hare International Airport, at the intersection of Route 53 and Golf Road in Schaumburg, IL.
From Milwaukee and North:
Head south on Interstate 94 to Interstate 294. Remain on Interstate 294 southbound to Interstate 90. Then head west on Interstate 90 to Illinois Route 53 southbound to Woodfield Road.
From Joliet and South:
Head north on Interstate 355 to Interstate 290. Continue west on Interstate 290 and exit at Illinois Route 72/Higgins Road. Remain on Frontage Road to Woodfield Road and then turn left.
From Rockford and East:
Take Interstate 90 west to Illinois Route 53. Head south on Illinois 53 and exit at Woodfield Road.
From Southwest Suburbs:
Head north on Interstate 294 to Interstate 290. Then head west on Interstate 290 and exit at Illinois Route 72/Higgins Road. Remain on Frontage Road to Woodfield Road and then turn left.


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The application deadline has passed, and we are extremely pleased with the large number of applications we received for the 2011 UNESCO Youth Forum. While we process the applications and narrow the pool to finalists, we wanted to share some of the video submissions with you. These videos will give you a sense of how outstanding the applicants are that have applied for the program this year.
So what about you, what do you think is the greatest global challenge facing youth, and how can American youth help to address it?


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Stylish? ABSOLUTELY!
Reupholstered Ottoman
Stylish? ABSOLUTELY!
9 comments:
Oh wow!ReplyDelete
Love stripes, love tufting, love navy blue!
If you ask me, it`s perfect! ;)
Great vision! Tufting and nailhead trim - two of my favourite details!ReplyDelete
Looks beautiful!ReplyDelete
That is one heck of a transformation. I love an upholstered re-do!ReplyDelete
You did an amazing job on that transformation! Your client must be so pleased with the results, it is really beautiful.ReplyDelete
I've been on the hunt for 2 good stools like that for a while now...for the same spot as your inspiration pic! I think they are fabulous in front of the fireplace. Great extra seating and easy to move if needed. I have my two fur stools that I leave there periodically, but would really like to find a pair with a more rectangular shape. GREAT vision for your client, I love the oversize nail head trim also.ReplyDelete
So fabulous!!ReplyDelete
That turned out great! xo KristinReplyDelete
Wow! I love the transformation and the large nailheads are fabulous.ReplyDelete
Thank you so much for taking the time to comment! I always love feedback on what my lovely readers { like you } are thinking. Feel free to ask any questions or you can always email me at firstname.lastname@example.com


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Heart North West
Heart's Feelgood Family Fun Day concludes at Llandudno Leisure Centre! Don't forget to check out our competition above!
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Running one restaurant is hard enough, but operating two establishments at the same level of excellence is infinitely more difficult. Yet that is the challenge that Thierry Beaud, Reid Boren and Julien Gremaud, partners in West Palm Beach's Pistache brasserie, took on when they opened PB Catch in December.
Step into the elegant and understated world of this seafood house, and there are many immediate clues that they succeeded. The entrance area is devoted to a bar and casual seating. The more formal dining room is flanked on one side by a raw bar, where a dozen varieties of shellfish are displayed on ice (if you're in a celebratory mood, platters are available for $45 and $95). The space is crisp, modern and attractive, with white leather banquettes setting off dark mahogany flooring. Simple table settings promise a calm and ordered universe, and the restaurant delivers.
Less is more at PB Catch. Gremaud, the mastermind behind the kitchen at Pistache, is the supervising chef here, ably assisted by Chef de Cuisine Aaron Black. Among the starters, white tuna tartare ($15) is lighter than air. Chunks of pristine escolar are combined with pickled cucumber, watermelon, scallion and shiitake to make an appetizer crunchy in texture and refreshing in taste. By contrast, there's more than enough umami to go around in the seared jumbo scallop ($16)—a pair of remarkably sweet scallops undercooked to perfection, presented with sautéed oyster mushrooms and white beans in an orange broth.
The restaurant prides itself on promoting local fishing and sustainable seafood programs, and the entrée side of the menu is divided into Local Catch and World Catch sections. From the former group, grilled pumpkin swordfish ($32), a special of the evening, is plump and juicy, placed on a bed of sautéed spinach, garnished with a white bean puree and napped in a brandy sweet corn sauce. It takes an exceptional Maine lobster roll ($24) to impress a woman from Boston, but my wife was wowed by Gremaud's version. The tender meat is chilled in a salad of red onion, celery, dill, tarragon and preserved lemon aioli, served on a potato bread roll and accompanied by some stunning sea salt fries. Diehard meat lovers may choose among short ribs, chicken scallopine and a 16-ounce dry aged bone-in ribeye.
The wine list includes about 150 carefully selected choices, heavy on the classics of Bordeaux and Burgundy but with a good representation from California as well. Even better are the three-dozen wines offered by the glass, including Familia Zuccardi Torrontes ($11), Pascal Jolivet Sancerre ($16) and Jordan Cabernet ($22).
Service is provided by a coed staff who seems to genuinely enjoy the work. Servers are friendly, accommodating and forthcoming with recommendations, and they have good reason to be proud of the food quality they serve. Managers make a point to greet each table on arrival and check back in the course of the evening; Beaud, splitting his time between here and Pistache, makes the rounds of the dining room as well.
PB Catch enters its second season with a confirmed core of regulars, who are determined to keep the place among the island's best-kept secrets. Despite that, the restaurant can get crowded on most evenings, and reservations are well advised.
PB Catch
WHERE: 251 Sunrise Ave., Palm Beach (561-655-5558, pbcatch.com)
OPEN: Dinner Monday through Thursday, 5:30-10 p.m.; Friday through Saturday, 5:30-11 p.m.
FOOD: seafood and raw bar
ATMOSPHERE: elegant and understated
SERVICE: attentive and accommodating
RESERVATIONS: recommended
PRICE: moderate
DRESS: Palm Beach casual
Photography by Montana Pritchard Photography


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Spiritual Requirements
An Affiliate Faculty of Communication - Digital Media in the College of Undergraduate Studies (CUS) Department of Communication has primary responsibilities for teaching COM 206 Digital Media I (fall semester) and COM 207 Digital Media II (spring semester). There may be opportunities available to teach COM 103 Public Speaking as well in either semester.
CUS courses are offered during the day in a traditional in-seat, 15 week semester.
Duties and Responsibilities
Nature of Work Environment
While performing the duties of this job, you may be required to walk; stand; sit; reach with hands and arms; balance; stoop; speak with clarity, have appropriate vision and hearing capabilities. The employee must occasionally lift and/or move up to 25 pounds.
Application Process
Review of applications will continue until the position is filled.
Colorado Christian University does not discriminate on the basis of race, color, national origin, ethnicity, ancestry, sex, age, physical or mental disability, military or veteran status. CCU does reserve the right to exercise preference on the basis of religion in all of its employment practices. All employees who work at CCU must demonstrate a spiritual testimony consistent with our evangelical mission and follow our lifestyle expectations.
Interested in working with us but can't find the position that fits you? Join our Talent Community.


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A web-site has published two photos that, according to the claims, depict a mobile Internet device (MID) from Apple. Unfortunately, specifications of the device are still unclear, which means it is nearly impossible to guess the features of the forthcoming device as well as its launch timeframe.
Two images published by French web-site Nowhereelse.fr show off a touch-screen-based MID with Apple Mac OS X Leopard welcome screen. The device sports "Home" button on the lower side of the unit and has a screen with approximately 8" – 10" in diagonal. The product seems to be rather thin, which may point to the usage of a very ultra low voltage processor, perhaps, an ARM-based one, or a special version of Intel Atom.
Considering the fact that the rumours regarding "Apple Tablet" are rather common these days, the images, which do not seem to be fake, may either depict an early prototype of the unit or the final version of the MID from Apple. In any case, this seems to be the proof that Apple is working on a touch-screen-based mobile device, which is larger compared to the iPhone/iPod touch.
Apple did not comment on the news-story.
Tags: Apple, Macintosh, iPhone, iPod


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November 30, 2012
Stories this photo appears in:
University: Slow but steady
A wealthy family has offered to give the Rim Country Educational Alliance a $10 million, 78-acre resort if it can convince Arizona State University to open a four-year college in Payson.
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By Piriya Mahendra, medwireNews Reporter
Young first- and second-degree relatives of individuals who were victims of sudden cardiac death (SCD) are at a significantly increased risk for developing cardiovascular disease (CVD), research suggests.
Mattis Ranthe (Statens Serum Institut, Copenhagen, Denmark) and team say that the results of their study support the use of autopsies in all cases of young sudden cardiac death and suggest that close relatives of individuals who have died would benefit from screening and preventive treatment.
They found that there were 292 cases of CVD over 11 years of follow-up in the 3073 first- and second-degree relatives of 470 individuals aged 1-35 years who experienced SCD between 2000 and 2006 in Denmark.
The mortality risk for a first- or second-degree relative of an SCD individual varied significantly with age: the standardized incidence ratio (SIR) for relatives younger than 35 years was 3.53 compared with an SIR of 1.59 among those aged 35-60 years and 0.91 among those older than 60 years.
There was no significant association between first- and second-degree relatives in terms of SIR for IHD and cardiomyopathy. However, the SIR for ventricular arrhythmia in first-degree relatives was 19.15 compared with 0 in second-degree relatives.
As reported in the European Health Journal, the SIR for any CVD given an SCD in a first-degree relative was significantly higher than that in a second-degree relative, at 1.49 versus 1.11. First-degree relatives younger than 35 years had a fourfold increase in the risk for any CVD, while second-degree relatives had more than a twofold increased risk.
"If sudden cardiac death has genetic causes then this would suggest that relatives of young SCD victims are at greater risk of heart disease than the general population and would benefit from screening to identify those at risk so that they could be given appropriate preventive treatment," said Ranthe.
"This could save a significant number of lives. However, as far as we are aware, there have been no population-based findings of this kind before, and current knowledge is limited and based on smaller descriptive studies."
Licensed from medwireNews with permission from Springer Healthcare Ltd. ©Springer Healthcare Ltd. All rights reserved. Neither of these parties endorse or recommend any commercial products, services, or equipment.
Posted in: Medical Research News
Tags: Arrhythmia, Cardiomyopathy, Cardiovascular Disease, Dermatology, Genetic, Heart, Heart Disease, Sudden Cardiac Death
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We're moving! Lensway.com will become Coastal.com on February 1st.
(6) reviews
- Gender:
- Unisex
- Material:
- Acetate
- Color:
- Brown Tortoiseshell
- Spring Hinges:
- Yes
- Progressive Eligible:
- Yes
- Lens Width:
- Lens Height:
- Bridge Width:
- Arm Length:
- 53 mm
- 39 mm
- 18 mm
- 145 mm
Size MatchHow will I know if these frames fit?
Product DescriptionJoseph Marc 4104 Brown Tortoiseshell eyeglasses have a bold vintage look. These Retro Wingtip eyeglasses come in rich brown tortoiseshell with round metal decals on the temples. They also include flexible spring hinges giving you comfortable fit and ease.
About the BrandThe Joseph Marc collection offers a strong sophisticated edge. Confident, intelligent, and unwavering style are displayed in the refined materials and clean lines of these masterful frames. High power fashion at its finest.
Rates estimated for shipping to: United States
- Ground Shipping$9.95
If you're not completely happy with your item, return it to us for FREE!
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
Get FREE shipping on orders over $99. Use Coupon Code: FREESHIP at checkout. Cannot be combined with other offers.
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COPYRIGHT @ 2017 Coastal Contacts Inc. All rights reserved


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Please be aware that displayed prices are exclusive of all tax which may be payable in relation to your order. To keep things simple, we'll calculate local taxes and charges at checkout so there are no surprises when your parcel arrives. The currency selector is to be used as a guide only and in all cases you will still be charged in USD.
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Cool Cheap Monday is perhaps best known for their tight jeans and have become associated with alternative styles of music. Now they aim to create clothing that can compete with exclusive brands both in attitude, fashion level and quality.


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New Markdowns
Halter Short Dress
Style: 570076430
Out of Stock
A crossover neckline and sophisticated print put this knit dress at the top of our love-it list. Crafted from ultra-soft jersey knit with removable cups and a high, shirred waist, it's flattering and amazingly comfy.
- Exclusive print.
- Ties at neck.
- Double-layered bodice offers soft support and coverage.
- Empire waist.
- Length: 37.5".
- 95% Rayon, 5% Spandex. Machine wash, cold. Imported.
Read more… Read less…


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Pursuing your goals starts with a plan
At Bank of North Carolina, we are here to help you plan for your financial future. Our dedicated team at BNC Wealth Services will work closer with you every step of the way.
At BNC Wealth Services we redefine the client-advisor relationship by delivering more than you expect. Our team is not only focused on helping you manage your finances, but providing a true partnership based on trust and respect. We seek to have a long-term relationship with you and your family that helps you build, preserve and transfer wealth. Your wealth team will always act as your advocate in working with your financial partners, both at BNC Wealth Services and outside the bank.


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Tribal members to receive more than $67 million
When all the payments from the Indian trust settlement are completed, members of tribes in North Dakota and members of other tribes who live in the state will have received more than $67 million.
The first checks of $1,000 each from the historic Cobell lawsuit (Cobell v. Salazar) were mailed in mid-December to nearly 264,000 people nationwide and also worldwide who are in the Historical Accounting Class.
Members of the Trust Administration Class will be paid later this year.
The lawsuit was filed in 1996 by lead plaintiff Elouise Cobell against the U.S. Department of Interior for mishandling Indian trust funds and accounts.
David Smith, an attorney with Kilpatrick Townsend, the Washington, D.C., law firm representing the plaintiffs, said members of the tribes on the four reservations in North Dakota Fort Berthold, Turtle Mountain, Spirit Lake and Standing Rock, and members of other tribes who live in North Dakota, will receive the following, in totals:
Historical Accounting Class: $13,169,000.
Trust Administration Class: $54,548,000.
According to Smith, following are the amounts paid or to be paid to members of tribes from the reservations in North Dakota who live in the state (the amounts are approximate numbers):
Turtle Mountain Band of Chippewa
Historical Accounting Class: $6.6 million.
Trust Administration Class: $16 million.
Three Affiliated Tribes
Historical Accounting Class: $2.7 million.
Trust Administration Class: $26 million.
Standing Rock Sioux Tribe
Historical Accounting Class: $2.4 million.
Trust Administration Class: $5.2 million.
Spirit Lake Tribe
Historical Accounting Class: $2 million.
Trust Administration Class: $4 million.
Tribal members who have questions or to update their contact information on their Individual Indian Money accounts can visit the Cobell website at (www.cobellsettlement.com) or call its toll-free number at 1-800-961-6109. People can also call the law firm at 866-383-6554.


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Agricultural Alumni Association
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Donald B. Villwock
Edwardsport, IN | Distinguished Ag Alumni: 1994
Mr. Villwock owns and operates Donald Villwock Farms in Knox and Daviess counties, raising com, soybeans, wheat, and popcorn. He started in 1972 with 40 acres and a shared equipment arrangement. Today he farms more than 2,000 acres, with 400 acres under ownership. The Indiana Prairie Farmer cited his unit as one the best managed operations in the state in 1985. Prairie Farmer also awarded him the Master Farmer Award in 1985. He served as the Indiana State Executive Director for the Agricultural Stabilization and Conservation Division of the United States Department of Agriculture under the Bush Administration. Prior to that, he held the position of State Agriculture Liaison to Senator Richard Lugar from 1984 to 1989. As Agricultural Liaison for Senator Lugar, he assisted hundreds of Indiana farmers in their efforts to negotiate the bureaucratic maze and furthered his reputation as a friend to agriculturalists. Mr. Villwock has served as a member of the Federal Reserve Board Agricultural Advisory Committee, board member of the American Farm Bureau Federation, and as national chairman of the American Farm Bureau Young Farmers Committee. He is also a member of the Edith and Dana Bennett Roundtable of the Farm Foundation. He has served Indiana agriculture in many capacities. He was a member of the Indiana Tax Commissioners Agricultural Advisory Council and chairman of the board of directors of the Indiana Institute of Agriculture, Food and Nutrition. Mr. Villwock also served as secretary for the Indiana Council on Agricultural Research, Extension and Teaching. Within his community and local area, he held the offices of either president or director for the Knox County Extension Council, the Farm Bureau Board, the Young Farmers Organization, and the Knox County Purdue Ag Alumni Association. Mr. Villwock has always been a strong supporter of Purdue Agriculture. He is a past president of the Purdue Ag Alumni Association and continues to serve as a member of their board of directors. Mr. Villwock has also been a member of Purdue Agriculture's Dean's Advisory Council and a member of the Purdue University Farm Policy Group.
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White Water Rafting, Zip Line Canopy Tours, Kayaking Clinics, Canoeing Instruction and Rock Climbing adventures at New England's Outdoor Adventure Resort. On site camping and lodging for a full service adventure getaway.
Half/Full day whitewater rafting and kayaking trips on dam controlled Deerfield River. Family owned and operated since 1983, New England's largest whitewater outfitter. Fun guide staff, delicious food, state-of-the-art equipment, riverside base camps
Brook Farm Inn is a bed and breakfast in Lenox, MA in the heart of the Berkshires. Guests will feel at home at this beautiful B&B. Comfort and luxury is our specialty at Brook Farm Inn in the Berkshires of Massachusetts.
Built in 1897 - an inn since 1937. 1 mile to Tanglewood. Sconces, fireplaces, elaborate moldings, breath-taking three-story suspended stair. Rooms are air-conditioned & feature antiques, vintage fabics, fireplaces, spa tubs.
Surround yourself with Nature! Lovely New England Country Inn bordered by two brooks, tall pine trees and gardens. Secluded outdoor pool. Breakfast included. Family friendly. Close to museums, restaurants, hiking, biking, skiing, golf, rafting,
Fairy-tale Victorian Inn. 20 rms w/antiques, pvt bths, luxurious amenities. WiFi & AC - 11 with fp. Great breakfasts. Family reunions, sm weddings & business retreats. Near it all! Experience romance & rejuvenation at the Rookwood Inn year round.
The Weathervane Inn, listed in the National Register of Historic Places,is a 1785 once-farmhouse and 1835 Greek Revival addition.
More than a B&B, we are a 17room Inn with all the amenities! Located in Lenox Village yet set back on 5 lush acres with personalized service, spa treatments, pool and great food. Explore our 200 acre farm winery in Richmond for cross-country, hiking.
A gracious inn located on 10beautifully landscaped acres in the BerkshireHills of WesternMa.Near all cultural& recreational activities.All rooms with private bath,many with a fireplace,ac&pool for summer.Full breakfast.Family owned&operated since1980
Charming 200 year old colonial inn, originally a stagecoach,offers comfortable lodging in warm,informal surroundings. Private baths, brass beds,restaurant and tavern on premises. 3min to Tanglewood,Norman Rockwell Museum
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Chau, as a former NY who grew up on NY Pie... they look pretty good to me, buddy.
Thanks Ron, they were quite different in texture to my regular pizzas and they were quite good as well. I have never had a true NY slice from NY so I can't compare the difference.
Chau,I wanted to tell you the 2nd pie reminds me of DiFara's a little bit.Did you put any EVOO on top of the pies when it was done?
Man,those crunchy crusts are the best to me.I don't mind the chewy types at all,but theres something about the crunch that I love.Especially when dipping the rim into more sauce before finishing up.
call me crazy, but I dip my crusts in bleu cheese dressing.
Thats a great dip too...I love dipping french fries in that stuff.I have not tried that on a crust yet.Sounds damn good. Ah,that Reminds me of my 20's,in NY,2-3 am at the Diner after a Friday or Saturday night of partying at the bars or clubs.Always got the munchies after drinking,always ordered some of that blue cheese with my fries!


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Western culture is fixated by the notion that technology alone is the cure-all, freeing us from all of our environmental problems. But authors Michael and Joyce Huesemann have attempted to debunk this myth in their new book, Techno-Fix. Technology, they say, has only limited potential to reduce our Ecological Footprint.
As Mathis Wackernagel, co-creator of the Ecological Footprint is quoted, "There is much evidence today that humanity's Ecological Footprint already exceeds global carrying capacity. Ecological resilience and social well-being are more likely to be assured if the total human load remains substantially below Earth's carrying capacity. Living at the ecological edge comprises ecosystem's adaptability, robustness and regenerative capacity, thereby threatening other species, whole ecosystems, and ultimately humanity itself."
Many assume there are few problems in an industrialized society that cannot be solved by greater efficiency. It is also assumed that dwindling non-renewable resources will be countered by better energy efficiency; food and water scarcity will be cured by more efficient genetically modified crops; environmental pollution can be solved by designing more eco-efficient industrial processes; and slow economic growth can be reversed by improving the effectiveness of our labor force.
Techno-Fix reveals that negative unintended consequences of technology are inherently unpredictable and unavoidable, that techno-optimism is unjustified, and that modern technology, in the presence of continued economic growth, does not promote sustainability, but hastens collapse.
"We have altered the chemistry of the atmosphere with fossil fuel use and now hope that we can maintain our lifestyles, economies and consumption with the promise of geo-engineering – carbon capture and storage or spraying aerosols of sulfur dioxide in the sky," wrote David Suzuki in his review of Techno-fix. "As this book shows, it is suicidal to put our hopes in such promises."


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Growing up, Davetta Cooke Lee had three career goals: to be a doctor, a lawyer, and Miss America.
In the end, the calling to become a lawyer won out, but not before Lee earned an undergraduate degree in biology from Xavier University and "dabbled" in enough pageants to help pay her way through school.
"When I enrolled in law school, Pat Evans, the dean of admissions, told me she thought I might have been the first person to attend MC Law on a partial pageant scholarship," Lee says with a smile.
Lee was drawn to a career in law not by dreams of a comfortable lifestyle or becoming a superstar in the courtroom, but by an overwhelming desire to help people. Lee grew up in Texarkana, Texas, a close-knit community in which she played the role of a "village child," encouraged by her family, her neighbors, and her church community to aspire to great things. Lee's father was a pastor; her mother was a school counselor who sometimes brought children in need home with her for dinner, then sent them home wearing clothes from her own daughter's closet. It was an upbringing that inspired Lee to pay it forward.
"I was humbled. I lived a blessed, comfortable life," Lee says. "I had so many people who poured into my life, who expected great things from me and encouraged me to pursue them. That support made a tremendous difference for me. Now I want to be that village for other people."
Today, Lee serves as the executive director of the Mississippi Access to Justice Commission, a position that allows her to be that village for low-income families. The commission was created by the Mississippi Supreme Court to expand access to the justice system, particularly for low-income families who cannot afford to hire attorneys. The commission members are appointed by the Supreme Court and represent not only the legal system, but also the clergy, business community, educators, and all walks of life.
As the commission's first executive director and only full-time employee, Lee works with legal aid providers across the state, addressing laws, court rules, and policies that limit access to the judicial system for the poor. She researches, develops, and implements new policies; promotes collaboration among multiple agencies serving similar groups of people; and performs outreach and training to Mississippi attorneys to encourage pro bono participation. Lee also fields calls from the public, referring people in need to the appropriate sources of help, including the Mississippi Center for Justice, Mission First, and other legal services providers.
"Davetta is an important component of access to justice in Mississippi. I'm proud to claim her as an MC Law grad and pleased that she was selected as our Young Alumna of the Year."
-MC Law Dean Jim Rosenblatt
"If I could wave a magic wand and instantly change policy for the better in my dream areas, those areas would be mental health and education," Lee says. "Mental Health issues affect the whole state and are reflected throughout the legal system, especially in the family courts. I'd love to see policy changes that would help with early detection and treatment of mental health issues.
"The second area would be education. As a child, I was taught that getting a good education was the most important thing I could do. Education is just the only way. It's the thing that lifts people out of poverty. Too many children come from a home life with low expectations, and attend a school with low expectations. I'd like to see changes that result in an atmosphere of encouragement and high expectations."
Changes in policy come in small steps rather than in dramatic, sweeping victories, but Lee has learned to celebrate each of those small steps as a positive change. For example, the commission helped introduce a system that allows people to generate basic forms and handle simple legal issues, including divorces based on irreconcilable differences, name changes, and other straightforward matters, without hiring an attorney. It might sound like a minor development, but for people who cannot afford legal counsel, it could be life changing.
Lee's previous positions also stemmed from her desire to help others. She came to the commission from Young Williams PC, where she served as a staff attorney assisting with the privatization of Mississippi Department of Human Services cases involving unpaid child support payments. Prior to joining Young Williams, she worked as a program and policy analyst at Hope Enterprise Corporation/Mississippi Economic Policy Center, where she focused on hurricane recovery and consumer protection policies that impacted low-income families, including policies related to mortgage loans, student loans, and payday lending.
"I'm proud to say that my whole career has been about helping people," Lee says.
The desire to serve is shared by Lee's husband, Jonathan Lee, and was the catalyst for his decision to run for mayor of Jackson, Mississippi, a move that also put Davetta Lee on the campaign trail.
"When Jonathan originally talked about running, I was reluctant," Lee says. "We lived a private life. But after listening to his pleading and realizing how important it was to him, I said, 'Okay. Let's do it.'"
Once Davetta Lee was in, she was all in. She loaded the couple's three-year-old daughter, Morgan, into a little red wagon and took her door-to-door campaigning for votes.
While Jonathan Lee lost the mayoral election by a slim margin, both Jonathan and Davetta say the campaign was largely a positive experience for them as a couple.
"Davetta was critical to my mayoral campaign, and she was critical to helping me bounce back after we lost the election," says Jonathan Lee. "Before I ran for mayor, I never really understood how much of a family effort a campaign is. Nowadays, there is no separation between the political candidate and the family. It requires a partner who is willing to go all the wawy with you, and it can be very, very difficult. I could not have done it without Davetta in lockstep providing support. She gave it 120 percent."
"The high points were working with families, seeing new energy and excitement for Jackson, and meeting so many people who believed in Jonathan," Davetta Lee says. "Losing the election was a disappointment, but you pray without ceasing and get back up and put one foot in front of the other. Jonathan and I are both still active in civic work. He is the same loving husband and father and I am the same doting wife and mother. We accept that sometimes God wants you to have the journey. So many great things came out of running. We sometimes laugh and say, 'Can you believe everything we went through?'"
The election loss didn't quench Davetta Lee's desire to serve. In addition to her professional work, she is a member of the Junior League of Jackson, chairs the community service committee of the Urban League of Greater Jackson Young Professionals, serves on the board of directors of Youth for Christ, and is active in the children's ministry at Anderson United Methodist Church.
Her drive to be that village for others both professionally and personally has its high points and its low. Lee's philosophy for dealing with setbacks is found in Jeremiah 29:11, a passage she holds so true that it hangs on the wall in her daughter Morgan's bedroom. "For I know the plans I have for you, declares the Lord, plans to prosper you and not to harm you, plans to give you hope and a future."
"I have meditated on that scripture a great deal," Lee says. "God's plans have always been better than mine. His will is better than anything I can come up with. I've always asked God to order my steps, and no matter where those steps have led, the journey has always been beneficial."


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text: « back to directory print Steven Dean Professor of Law 250 Joralemon Street Brooklyn, NY 11201 (718) 780-7939 | Email | CV Areas of Expertise Tax PolicyTax AvoidanceTax HavensTax ExpendituresSocial Enterprise Education B.A., Williams College J.D., Yale Law School Biography Courses Publications Noteworthy Professor Dean's expertise lies in tax law. His scholarship addresses a range of tax and budget issues and has appeared in a number of leading law reviews. His article Tax Deregulation, for example, considered the surprising implications of enhancing taxpayer autonomy and appeared in the New York University Law Review. Other work has considered unconventional solutions to longstanding problems such as tax havens, regulatory complexity and tax shelters. Recent work with Dana Brakman Reiser has explored the special challenges and opportunities presented by social enterprises, ventures that simultaneously pursue private profits and the public good. Professor Dean is a member of the Executive Committee of the New York State Bar Association's Tax Section.Before joining the faculty he worked as an associate at Debevoise & Plimpton and at Cravath, Swaine & Moore. In law school, he was an editor of the Yale Law and Policy Review. Experience Professor Dean's Classroom Related Links: Faculty News Curriculum New Faculty Brochure


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A lot of luster still remaining, nice example for the grade. Formally in NGC XF-45 holder.
Q. David Bowers: The following narrative, with minor editing, is from my "Silver Dollars & Trade Dollars of the United States: A Complete Encyclopedia" (Wolfeboro, NH: Bowers and Merena Galleries, Inc., 1993).
Coinage Context
Distribution: In 1865, the final year of the Civil War, specie payments remained in suspension, and the Treasury Department placed no 1865 silver coins of any denomination into circulation in the East. On the West Coast business was much as usual, and 1865-S silver and gold coins circulated in commerce.
Most of the mintage of the 1865 silver dollar is believed to have been exported to Central and South America.
Numismatic Information
Circulated grades: Here we go again: low mintage + many exported = rarity today. Circulated specimens are very scarce, possibly even scarcer than 1864 (although 1864 has a lower mintage).
Mint State grades: The 1865 dollar is a great rarity in Mint State and is a fit partner with others of its era in this regard. Some high-grade pieces show extensive die striae on the obverse, as struck. One reverse die shows breaks through the tops of TES, OF, and MERI, and the bottoms of E DOL; some unfinished areas in vertical shield stripe white spaces 2 and 3.
Circulation strikes:
1. Low Date: Breen-5471. Obverse: Date low in field.
2. Normal Date: Breen-5471. Obverse: Date centered in field.
Dies prepared: Obverse: 3; Reverse: 3
Circulation strike mintage: 46,500; Delivery figures by day: March 3: 3,800; May 31: 14,000; September 8: 9,700; September 13: 7,000; September 27: 12,000.
Estimated quantity melted: Unknown
Characteristics of striking: Many show areas of light striking, often including the eagle's dexter leg.
Known hoards of Mint State coins: None
Most 1865 Liberty Seated dollars were exported.
Rudolf Collection - Legend Collection of Mint State Seated Liberty Dollars
Stack's/Bowers 8/2015:10138, $8,225
Franklinton Collection - Stack's 1/2008:625 - Bill Nagle, sold privately in 2/2008 - Eugene H. Gardner Collection - Heritage 6/2014:30603, $25,850


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Wi-Fi devices will soon be able to connect in a new way that makes it more simple and convenient than ever to do things like print, share and display. The Wi-Fi Alliance is nearing completion of a new specification to enable Wi-Fi devices to connect to one another without joining a traditional home, office, or hotspot network.
"Wi-Fi Direct represents a leap forward for our industry. Wi-Fi users worldwide will benefit from a single-technology solution to transfer content and share applications quickly and easily among devices, even when a Wi-Fi access point isn't available. The impact is that Wi-Fi will become even more pervasive and useful for consumers and across the enterprise," said Wi-Fi Alliance executive director Edgar Figueroa.
The specification, previously code-named "Wi-Fi peer-to-peer", can be implemented in any Wi-Fi device, from mobile phones, cameras, printers, and notebook computers, to human interface devices such as keyboards and headphones. Significantly, devices that have been certified to the new specification will also be able to create connections with hundreds of millions of Wi-Fi Certified legacy devices already in use. Devices will be able to make a one-to-one connection, or a group of several devices can connect simultaneously.
The specification targets both consumer electronics and enterprise applications, provides management features for enterprise environments, and includes WPA2 security. Devices that support the specification will be able to discover one another and advertise available services. Wi-Fi Certified Wi-Fi Direct devices will support typical Wi-Fi ranges and the same data rates as can be achieved with an infrastructure connection, so devices can connect from across a home or office and conduct bandwidth-hungry tasks with ease.
Wi-Fi Direct will naturally compete against technologies like Bluetooth as well as other close-proximity wireless interconnects. Wi-Fi Direct is likely to be considerably faster compared to Bluetooth, however, the latter is probably more power efficient and will continue to be compatible with things like headsets, therefore, Wi-Fi Direct will hardly replace Bluetooth in the foreseeable future.