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Thoughts on the Future of Credit Markets
Remarks by Dennis P. Lockhart,
President and Chief Executive Officer
Federal Reserve Bank of Atlanta
Association for Corporate Growth Capital Connection Conference
Atlanta, Ga.
February 7, 2008
I'm honored to speak this morning at the Association for Corporate Growth's Capital Connection Conference.
Today I want to focus most of my remarks on the future of credit markets, which have been affected by recent financial turbulence. However, let me begin with a very brief summary of a subject that is likely top of mind for many of you. And that subject is the state of the economy and recent Federal Reserve actions.
Current economic and market situation
In recent months, there has been a sharp deceleration of economic growth. The pace of job creation has slowed. And at 4.9 percent, unemployment was higher in January than last summer.
Troubles in the housing sector have been well publicized, with house prices declining in many parts of the country. Also, with the surge in energy prices last year, recent measures of inflation have been elevated and above my comfort zone. In recent months, there's been speculation from some quarters that the economy is going into recession.
Interpretation of recent policy actions
In response to recent economic circumstances, the Federal Open Market Committee (FOMC) acted decisively. Over a period of nine days, from January 22 to January 30, the FOMC lowered the fed funds rate 125 basis points, from 4.25 to 3 percent. Since last August, the committee has dropped the fed funds rate 225 basis points.
These actions were taken to avert a deep and protracted economic downturn. In the face of economic weakening, the FOMC acted to avoid a restrictive posture and get rates to a level I believe will support movement toward trend growth by the second half of 2008.
You may also be aware that in response to recent strains in financial markets the Fed has injected liquidity into the financial system. In December, the Fed introduced the Term Auction Facility as another way to address immediate liquidity needs in financial markets.
I believe recent actions helped address the risks to the economic forecast I just referenced—that is, weakness in the first half of 2008 followed by improvement in the second half, with inflation moderating from recent levels. The liquidity injections and easing of monetary policy should help housing and financial markets stabilize and avoid an "adverse feedback loop" in which a continuing decline in housing prices fuels financial market volatility with spillover to the broader economy.
Adjustments leading to a new normal
As you know, problems with subprime mortgages triggered the ongoing episode of financial and economic uncertainty. The recent experience with subprime lending has shaken credit markets. Market participants are making adjustments in the face of a weakening economic environment. By adjustments, I'm referring to a reduction and writedown of exposures, deleveraging, changes in underwriting standards, and a revision of risk management policies and practices, among others. These adjustments have been painful, but necessary.
With so much uncertainty about the outcome of the ongoing financial turmoil I thought it would be helpful to share some of my thoughts on what's in store for credit markets once the dust from the subprime fallout finally settles. Before entering the treacherous terrain of predictions, I must emphasize that the views I'll present are mine alone. I do not speak for the Federal Reserve or my colleagues on the FOMC.
Trends in credit markets
To gain some perspective on the question of the future of credit markets, I think it's useful to review some of the key evolutionary trends in banking and credit over the last 20 years. The choice of 20 years of hindsight is arbitrary, but I do remember discussion of these directions in the mid-1980s—when I was a corporate banker working for Citicorp here in Atlanta.
I will cite four trends I see as formative of our current context.
First, credit intermediation has evolved from being bank-centric to market-centric. To a substantial extent, the modern model of the banking business—at least for the larger banks—is that of originate to distribute. Larger bank balance sheets have become heavier in securities, particularly since the distinction between commercial and investment banking has become blurred.
Second, the business of credit has evolved from one of on-balance-sheet whole loans to one involving substantially off-balance-sheet securitized loans. Securitization has been one of the major financial innovations of the last two decades. Charles Sanford, when he was heading Bankers Trust, wrote of "particle finance." As I recall, he meant that credit risk would be parsed, tranched, and transformed into derivatives to match the exact risk and return preferences of diverse lenders/investors. Along with securitization, the growth of derivatives—very recently including credit default swaps—has been a major innovation of our age.
Third, for many banks, particularly our larger banks, lending to corporations has evolved from corporate lending to leveraged lending. We recognized back in the 1980s that loans to investment-grade corporations couldn't pay the cost of capital. The ascendance of the private equity industry offered a lending alternative with better fees and spreads. Financing sponsor-led buyout transactions has become a big business for many banks and nonbanks alike. Loans are originated for syndication as well as bridges to high-yield debt issuance and, in recent years, as raw material for collateralized debt obligations, or CDOs.
Fourth, credit to American corporations and consumers has evolved from domestically funded to global distribution of securities and loans. There is little argument that capital markets—including credit markets—have become global. To some extent, this is in response to the accumulation of large pools of dollar capital held offshore.
The long-term trends I have just described have a lot of momentum, but the recent turmoil has raised legitimate questions about the future of credit finance. In particular, four questions seem appropriate about the continuing evolution of financial markets.
- Are banks going to make a comeback, regaining their old share of the credit intermediation market and reverting to on-balance-sheet lending?
- Is securitization dead or dying?
- Are we going to see a permanent shrinkage of the leveraged loan market with the attendant consequences for private equity?
- Will foreign investors flee U.S. credit markets?
As a practitioner in the credit industry for the better part of 30 years, I will offer some tentative, but I believe informed, views on these questions. With regard to the role of banks in credit markets, there has been much discussion in recent years of the shrinking market share of banks and the emergence of a "shadow banking system." I'm referring, of course, to the universe of off-balance-sheet special purpose vehicles, nonbank loan origination and lending companies, commercial paper-financed conduits, hedge funds, and other entities.
I think the recent turmoil has shown that, in fact, banks retained a central role in the originate-to-distribute credit intermediation model. Banks may not have held the complete range of securities from risk bearing tranches to triple A, but they did—as it turns out—hold substantial super senior exposure, and they did create many of the conduits that directly owned the securities. Also they provided back-up liquidity to the conduits that served as intermediaries to the ultimate investors, and they often helped the ultimate investors finance their holdings of the securities. Moreover, when problems arose the markets turned to the banks to use their superior access to liquidity—both market-sourced and official—to provide funding. In securities markets where banks have recently substantially scaled back lending, we have seen decreased liquidity as some investors depended on bank-supplied leverage to obtain their target rates of return.
While banks have taken hits in the recent turmoil, their central role has been reconfirmed and their inherent strengths accentuated. The scale and scope of our larger banks and their broad earnings power have cushioned the losses. And their franchise strength has aided recapitalization.
While I see banks recovering, I see little chance that we will revert to the old approach of originate-to-hold-in-portfolio model. Market-based credit intermediation provides substantial gains from diversification and transparency that are not available in the old model. And I see little chance banks in their various forms won't remain the cornerstone institutions of our financial system.
Second, is securitization dead or dying? Here I think the answer is an unambiguous no. Securitization is not a new and untested financing tool. Rather, securitization has been around for decades providing fee income to originators, diversification benefits to lenders, and lower costs to borrowers. The logic of securitization—done prudently—is too compelling, and the market infrastructure is advanced. I have heard anecdotal comments to the effect that major investors have latent demand that will return to the markets once volatility has subsided.
But it's clear to me that participants in the securitization process must address certain weaknesses.
Accusations have flown about irresponsible mortgage origination practices—that is, the lowering of standards or even fraudulent behavior of originators who carry minimal risk in the ultimate performance of a loan. Actual practices no doubt covered a wide spectrum, but it's clear that there were problems, and, in my opinion, this perverse incentive must be addressed.
In reaction to troublesome opacity and complexity, I expect that financing structures will become less complicated. I don't believe investors will be willing to invest in structures that would require their lawyers days to figure out cash flows in the event of problems. Simpler, more transparent securities will facilitate somewhat reduced reliance on agency credit ratings. Ratings will remain an important part of the process because all investors cannot be expected to do their own thorough due diligence on every security. Rating agencies are already undertaking their own reforms, but ratings are unlikely to be as singularly dominant as they have been in some markets in recent years. Moreover, investors and rating agencies will not soon forget the lessons of recent months in evaluating pool probabilities. Tail events can materialize and, given recent experience, seem to do so with higher frequency than was contemplated by the models employed—models that were built for other purposes and products.
Third, are we going to see a permanent shrinkage of the leveraged loan market with the attendant consequences for private equity? Clearly, some shrinkage—especially in the large deal category—has happened already, but is it permanent? A year ago there was talk of a private equity "golden age." Like the four-minute mile before Roger Bannister, there were predictions of the $100 billion deal. Lender terms—with covenant-light structures and equity bridges—were collecting critical commentary.
What a difference a year makes! I believe the private equity industry will continue to operate, but at more modest levels of deal size, leverage, and loan terms. The recent repricing of risk and strengthening of terms should be healthy in the longer term. However, a cautionary note: Leveraged lending tends to go through cycles of tighter, then looser, underwriting standards. The pressures of competition for loan origination—including competition from nonbanks and hedge funds—may play through once again.
Finally, should we expect the disappearance of foreign investors from U.S. credit markets? As you've probably read, foreign institutional investors have not avoided the recent problems. Indeed, one of the realities exposed by the recent turmoil has been the geographic spread of investors, their direct exposure to subprime and CDO securities, and the scale of their losses. Given their losses, some pullback is predictable. There has been a widespread retreat from the subprime market, and I would not be surprised if this persists for some time. But as regards the broader credit markets, including mortgage-backed securities, it's more likely foreign investors will be more selective and rely more on carefully vetted expert intermediaries in the selection process.
The fact of such substantial foreign exposure to the current problems suggests both the importance of foreign investors to the U.S. mortgage markets and the extent of the dollar recycling problem faced by foreign investors. I do not see permanent impairment of foreign investor participation in our credit markets. After a pause, the fundamental need will reassert itself—owners of surplus capital must put their dollars to work.
So, as we move out of the current turmoil, I see the U.S. markets headed toward a "new normal," not a return to normal. The recent turmoil has discredited the more dubious innovations of the past few years. But the foundation of earlier innovations over the past three decades delivered too much value for us to return to the "old-old" ways of finance.
I believe the contours of the new normal will be:
- a reformed, market-based system with a strong role for banks;
- the continuation of securitization more narrowly applied and with strengthened origination, structuring, and risk evaluation practices;
- better investor practices with more self-reliance, along with a substantially reformed rating agency industry;
- simplified and standardized instruments; and
- much refined risk management practices on the part of all market participants.
As I hope you detect, I am optimistic that the trauma of recent months will pass and our credit capital markets will be better for the lessons learned. Thank you.


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I was pretty happy with the 70 lbs of honey
If you find the bees are not OK what are you going to do anyway? We are suppose to have a 40 degree day this weekend. Maybe I will take a peek just for the heck of it.
I did not keep records and I really need to cause Im guessing they probably supercieded late in season and queen went to town or it is something we all hope cant survive up here.
I also took four frames or more of brood from this colony at end of july to make nucs. The colony was a hive gone bonkers, made lots of honey, but was mean as all heck. It left well over 50 stings in my jacket and veil when I pulled brood for nucs. I alway worked it last cause they would follow me all over the yard and not five up. I never counted stingers but there was well over 50, maybe a 100 or more that one time.
Brian, I need to have you pick some lottery numbers for me sometime...you've been spot on so far!Scott

subset: commoncrawl


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Tasseled Jaipur Scarf
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- Description
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The gentle pastels of this fanciful medallion-motif jacquard echo the rosy hues of Jaipur. Loomed in India, the elaborate diamond-and-medallion borders are contrasted by hand-embroidered stitches in the same vivid colors as the tassels. This exquisite Tasseled Jaipur Scarf also makes a beautiful table runner or dresser scarf. 50% cotton, 50% wool. Made in India. 72"l. x 27"w.
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Kylie Keen began her junior year of high school without an idea of what her post-graduation life would hold. Now, as she enters the last months of her high school career, she knows exactly where she's headed.
Working in the office of Ann Carnes, a local dentist, has given Keen, a senior at Elizabethtown High School, a direction for her future. Keen plans to pursue a dental hygiene certification and possibly a career as a dentist.
By NANNETTE JOHNSTON
Hardin County Schools is on the steps of history.
At the announcement we made about our early college and career center two weeks ago, Kentucky's Lieutenant Governor Jerry Abramson called our plan the "most dynamic educational partnership in the Commonwealth of Kentucky."
A John Hardin High School student has turned a hobby into a potential career with the help of the television production program at Hardin County Schools.
Students filed into Justin Line's engineering classroom with engineering plans, rulers and ideas to plot out the building design for the weight room of the athletic complex at Elizabethtown High School.
The students' task is to redesign the weight room because the original plans changed in shape and size. The class has to readapt the plans to the new dimensions and present their plans to the school for consideration in the new complex.
Students in North Hardin High School's Project Lead the Way program are learning to build local area networks and a few robots to boot.
The program is a part of local funding provided by Project Lead the Way, a national provider of science, technology, engineering and mathematics curriculum in middle and high schools.
Some students are working on the in-class LAN by building PCs from junk and using routers and switches, teacher Heath Anderson said.
By RON BENNINGFIELD
Under the Unbridled Learning assessment and accountability system, the main goal of schools and districts across Kentucky is to ensure that all students, when they graduate from high school, will be college or career ready.
In order to determine how these schools and districts are accomplishing this goal, the Kentucky Department of Education requires each of them to develop and submit an annual comprehensive improvement plan.
By GARY FRENCH
The Elizabethtown Educational Foundation (EEF) is pleased to announce the EIS annual celebration to be held 7 to 10 p.m. Feb. 9 at Pritchard Community Center. The event is being billed as "The EVENT 2013 – Feel the Love," and tickets may be purchased for $35 at any EIS school or the board of education office.
Armed with a stack of books in their arms and many wearing Converse Chucks on their feet, eighth-grade students at J.T. Alton Middle School are taking a fresh approach to science and math in the Project Lead the Way Engineering Academy.
"I love this class so much because we are able to do what we want in a unique experience because we've never had anything like this before," said student Evan Borzotra.
By Nannette Johnston
Traditionally, January is the time we review the events and progress of the past year and plan and set goals for the year ahead.
Perhaps this tradition is fitting considering the origin of the month's name. The word January originated from the Roman god Janus whose image is depicted by two faces; one looking backward and one looking forward.
Copyright © 2017
The News-Enterprise is your source for local news, sports, events and information in Elizabethtown, KY, Hardin County and the surrounding area.


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Free personalized radio that
plays the music you love
Jay Ungar
The son of immigrant parents, Ungar grew up listening to traditional Hungarian and Macedonian music. Starting violin lessons at the age of seven, Ungar was soon playing by ear and writing his own melodies. While attending the High School of Music and Art, he was introduced, by friends, to bluegrass and traditional folk music.
In the early '60s, Ungar traveled to North Carolina and Tennessee in search of old timey folk musicians. Upon his return, he became involved with the roots music community in Greenwich Village. A founding member of Cat Mother & the All Night Newsboys, Ungar temporarily left the band before they recorded their first album which included a minor hit, "Good Old Rock and Roll," in 1969. He rejoined the group for their second album, Albion Doowah. In the mid-'70s, Ungar was a member of the David Bromberg Band, a group dubbed, "The World's first folk orchestra." Between 1980 and 1984, Ungar played with Fiddle Fever, an eclectic string band that also included fiddler Matt Glaser, fiddle and viola player Evan Stover, acoustic guitarist Russ Barenberg and acoustic bassist Molly Mason. Although he worked in a duo with his then-wife Lyn Hardy, following Fiddle Fever's disbanding, the marriage fell apart with Ungar going on to work in a duo with Mason. Ungar and Mason were married in 1991.
In addition to his work on the soundtrack of Ken Burns' Civil War, Ungar has composed and performed on the soundtracks of Burns' documentaries including Baseball, The West, Thomas Jefferson, and Lewis & Clark. Ungar's fiddling was also heard on the soundtracks of films Brother's Keeper and Legends of the Fall. Ungar and Mason have made numerous appearances on Garrison Keillor's National Public Radio show, A Prairie Home Companion. In 1992, Ungar and Mason accompanied vocalist Thomas Hampson on an album-length tribute to the songs of Stephen Foster, American Dreamer. Harvest Home: Music for All Seasons followed in 1999. ~ Craig Harris
Selected Discography
Track List: Ashokan Farewell . Beautiful Dreamer: Songs Of Stephen Foster
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I had the pleasure of working with Jay Ungar years ago and the guy is just awesome!
Joey Fulco
thefulcofami l y . c o m
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Posted by Jennifer Belissent on April 3, 2013
Smart meters provide consumers with granular data on how they are consuming energy — when is the meter spinning fastest, which appliances are the energy guzzlers, how much energy are those idling appliances consuming? Programs to increase consumer awareness and shift demand to off-peak times abound. I delay the start of my dishwasher to after 11pm here in France to take advantage of off-peak tariffs. Most consumers, however, are not highly motivated by just knowing their own consumption. Good news: Opower, a provider of really smart energy solutions, has cracked the code.
The Opower solution draws on a study of how messages influence consumption. Turns out, if you tell people that they will save money by turning off their air conditioning and turning on a fan during peak hours they likely won't. Those are typically the times when it is really hot. Messages of "civic responsibility" and "saving the environment" also don't really register. However, when consumers are told that 75% of their neighbors will turn off their air conditioning and turn on a fan, behavior changes. That message had a 6% drop in consumption. Opower now uses these types of comparisons in all of their offerings.


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Community Status Updates
Ange88 → Jolene911
Hey Jolene, I am starting my first IVF cycle too! I am really not sure what to expect either. I have a four and a half year old daughter who was conceived naturally!! However, my dh has severe male factor infertility so we have decided if we are going to extend our family now is the time and IVF with ICSI is the way to go!! I am an extremely impatient person though so time i...Feb 10 2010 01:39 PM


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Discussion in 'Pistons and NBA' started by Slippy, Jul 2, 2012.
Kim English = Teacher's Pet.
I was thinking the same thing.
Yep it's @EnglishScope24
Ken is onboard. Detroit Pistons Sign Second Round Draft Selection Kim English | THE OFFICIAL SITE OF THE DETROIT PISTONS
As long as he adheres to the 3 dribble rule, we'll be ok.
I like this kid so far. It looks like he learned to play defense by watching those "Better Basketball" videos. He plays D with his feet and he always keeps his hands up.
I somtimes call him Kip now.......
I've started calling him Kimmer, or Kennneeerrr.
If Kim English could play like Alex English, we'd be all set. Alex was one of the best scorers to play the game...dude averaged almost 30 ppg a couple of times. He is considered to be one of the greatest draft steals in NBA history (2nd round of 1976 draft). Alex English NBA & ABA Statistics | Basketball-Reference.com 1976 NBA Draft | Basketball-Reference.com
I see what you did there.
From the Pistons draft history page on Wiki:
BTW. I can neither confirm nor deny that I had anything to do with that Wikipedia page (above) being updated. (...jus sayin)
BTW. I can neither confirm nor deny that I had anything to do with that live chat question (another thread) being asked. (...jus sayin)
Kim English @Englishscope24 In other news. Arnie Kander is a GENIUS!! Glad to hear more rave reviews about our secret weapon.
Summer School: Kim English | THE OFFICIAL SITE OF THE DETROIT PISTONS I find all this physiology talk extremely fascinating. Kander gets more mention than Joe.
It sounds like Kenny is a big fan of Kander.
Has Arnie mentioned how Big Ken's shot is coming along?
I think Mike Abdenour is working with English on his shot.
Separate names with a comma.


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SAN FRANCISCO ( TheStreet) -- While the buzz around Apple's ( AAPL) Worldwide Developers' Conference(WWDC), may have centered on new products, CEO Tim Cook's focus is clear: China. Apple is placing increasing importance on the world's most populous nation, as it continues to expand its presence in China.
The Cupertino, Calif.-based firm announced Siri support for multiple languages at WWDC on Monday, including Mandarin, underlining China's increasing importance to Apple. "The emphasis by Apple on China was clearly there," said Scott Jenkins, founder of OptionsInsight.com in an interview with TheStreet. "I think Tim's pretty focused and his focus is China. Anyone who doubts that, was proven wrong." Other developers at WWDC echoed Jenkins' thoughts on Apple's efforts to boost revenue in China, where it currently has five stores. Apple reportedly has plans to open two more stores in mainland China. In the past, Cook has referred to China as an "extremely important market for us," leaving no doubt about the tech giant's intentions. Apple's iPhone sales in Greater China rose five times year-over-year, Cook said on Apple's most recent earnings call. Apple shares crept up 0.65% to $574.88 on Tuesday. -- Written by Chris Ciaccia in San Francisco >Contact by Email. Follow @Commodity_Bull >To submit a news tip, send an email to: firstname.lastname@example.com


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|Trad, 65'
|YDS: 5.12 French: 7b+ Ewbanks: 27 UIAA: VIII+ ZA: 26 British: E6 6b [details]
|John Gault (early 80's)
|Page Views:
|Submitted By:
|Will Cobb on May 19, 2006
|Comments on John's Jugs
|Add Comment
|Show which comments —
Comments displayed oldest to newest — Skip Ahead to the Most Recent Dated Apr 14, 2014
By Tavis Ricksecker
Jun 21, 2007
|Who is John Gault?
By Tavis Ricksecker
Aug 22, 2007
|Tried this one today... Couldn't touch it, even on toprope. Owie! Brutally sharp overhanging tips at the crux.
By Larry Coats
Sep 1, 2007
|First ascent John Gault (early 80's)- previously known as "Tenure Crack" and the site of much effort by other locals
By Paul Davidson
Apr 14, 2008
|Was it JG or Dick Cilly (Cilley?) who snagged the first ?
By Chris Tatum
From: Flagstaff, AZ
Feb 1, 2009
This route is stout... This thing took me so long to do just because of the pain... I could only get a few tries each day. So short and so painful! Hats off to the guys that did this thing on nuts!
I used, in this order...
.5 Camalot
Yellow Metolius
Purple C3
Yellow Metolius
#3 Camalot
By Ken Isaacson
Apr 29, 2009
John Gault lived in Flagstaff in the late seventies and early eighties with his two dogs. He had a very high ape index,large biceps,and was prematurely bald.
If the climb is rated as a 5.12 in the early eighties, figure it is a 5.13 today. During this period climbers in Flagstaff and probably throughout Arizona, thought all the hard climbing was in Yosemite and gave climbs lower ratings than they deserved.
I think Gault is a climbing guide in Colorado now.
By jbak
Apr 30, 2009
|I absolutely cannot picture John Gault as a climbing guide. Are you sure about that ?
By Paul Davidson
Apr 30, 2009
Yeah, John as a guide, highly unlikely.
His was (is) a reclusive personality.
Last I knew, John was in Tucson but that was 10-15 years ago.
After he'd been in Albuquerque working with Bob and me.
By jbak
Apr 30, 2009
|John was a good partner (he and I bouldered a lot back and climbed a little in the mid 80s) and a good guy...but not what you'd call a "people person". PD...can you picture him drumming up business ? I'm laughing.
By Ken Isaacson
Apr 30, 2009
I climbed with John a few times when I lived in Flagstaff. I think I saw John Gault was a guide in a Google search or in Mountain Gazette.
I'm editing my comment. I just did a google search and found a few John Gault references, but none about a guide in Colorado. It was in Mountain Gazette or I am mistaken.
I noticed a comment from JBaker in Tucson. Mr. Baker might remember my son Nathaniel when he was a student at U of A about five years ago. He climbed at Lemmon and attended a few of your slide shows, if I have the right John Baker/Summit Hut
By jbak
Apr 30, 2009
|Ken, I think you are on a mistaken identity rampage, it's DAVE Baker that owns the Summit Hut (and bagged all the good lines 40 years ago).
By Ken Isaacson
May 1, 2009
|Guilty! I just don't seem to be getting it right.
By Paul Davidson
May 1, 2009
Yeah, JG drumming up business... gnaw. (or BM for that matter.)
Decent programmers, probably better boulderers.
Seems like I'd heard that John's folks had passed on and left the house to John. He was living there over on 6th.
John and I were in math grad skool together in early 80s.
By KyleEdmondson
Nov 12, 2009
|If this is one of the best routes, I'm glad I haven't done any others. A miserable 6 ft of sharp jams. What fun. A wise old fat guy (with sausage fingers) once said there is too much good rock and life is too short to climb routes like this.
By Will Cobb
From: Flagstaff, AZ
Apr 24, 2010
Sorry that you did not like this route as much as I did. You are right, it is sharp. If you ever decide to get back on it again ask Chris Tatum about how he taped for it. I think that it really helped him save his skin.
Before you swear off West Elden may I suggest a couple of other routes? Colin's new route "Bold is Love" is really good. "The Prow" and "Twilight Zone" would be 3 star routes anywhere.
Hope to meet you out climbing sometime.
By Paul Davidson
Apr 27, 2010
Kyle, why would you show up at an area and for your first climb jump on something clearly labelled as:
"So short and so painful!" (and by a local with a lot of stuff under his belt)
and then complain about it being short and painful ?
This is a locals testpiece, it's not one you'd put a visitor onto for a first climb unless they're on some sort of hardest route circuit trip.
Follow Will's suggestions and the area might grow on you. Bouldering is also pretty good, especially for being so close to town.
Add to that list Watermelon, Flameout, TT's Terror, Retirement Crack, Bold as Love (looks cool, don't think I've done it) a number of other testing stemming corners abound.
By Kyle Edmondson
Feb 10, 2013
|I am not trying to be a complete jerk, and some of that was meant for a friend, but I do hold to the opinion. As someone who has climbed a lot in Flag, including many poor routes (I have done all the routes on the upper tier of the Pit, for example), this one stood out as really not fun. The initial description cites it as one of the best of the area, I felt that was off target, by a long way. Sorry if I offended you in my word choice, I'm not the funniest person I know.
By Colin Cox
Apr 14, 2014
|I think this is one of those lines that is really striking....but hard because it's painful. It had to be done because it's there, but that's about it.


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An Arsenal XI will take on Boreham Wood FC at Meadow Park on Saturday, July 21, kick-off 3pm.
The friendly, a staple of the pre-season calendar for Arsenal's younger players, will see a mixture of reserve and youth players test themselves against ex-Gunner Ian Allinson's Conference South side.
Arsenal squad:
Damian Martinez
James Shea
Martin Angha
Daniel Boateng
Sead Hajrovic
Jernade Meade
Elton Monteiro
Kyle Ebecilio
Samir Bihmoutine
Josh Rees
Jordan Wynter
Phillip Roberts
Hector Bellerin
Kristoffer Olsson
Chuba Akpom
Sanchez Watt
Conor Henderson
Boreham Wood FC v Arsenal XI
Saturday, July 21
Kick off: 3pm
Venue: Meadow Park, Broughinge Road, Boreham Wood, Herts WD6 5AL
For ticket details, please visit www.borehamwoodfootballclub.co.uk or call 020 8953 5097.Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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Megabus.com, the first low-cost, intercity express bus service with fares as low as $1 via the Internet, announced today it will offer service to/from Philadelphia and Washington D.C. beginning March 21. Customers can begin booking tickets today for travel March 21 and beyond. To kick off the new service, megabus.com is offering a significant number of $1 and $5 seats on departures between Philadelphia and Washington. Megabus will offer four daily departures from Philadelphia at: 3:05 a.m. 8:30 a.m. 1:45 p.m. 7:40 p.m. "Due to significant customer demand, we are delighted to add service between these two great cities," said Dale Moser, president and COO of megabus.com. Megabus.com has served more than 440,000 Philadelphia passengers and 545,000 Washington passengers since launching in March 2008. Megabus.com offers free Wi-Fi, double-decker buses and power outlets. Travel time between Philadelphia and Washington is two and a half and three hours. Visit the new www.megabus.com for additional information about the service, schedules and fares.
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2010 Pinot Noir Sonom Coast Cinghiale Vineyard 750ml
The modern era. The 2010 includes most of our Pinot blocks from the vineyard as they have achieved more vine age. We are finally able to ripen the blocks a little more slowly and achieve optimal ripeness while maintaining finesse. Bergamot, black tea, black cherry, sweet floral notes, spicy vanilla, fresh soil…silky smooth entry, a viscous and –well, delicious palate, followed by a seamless finish.


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Blissdom and a Baby
18 comments:
How fun!!! Glad that he was such a trooper :)ReplyDelete
Looks like he was a great addition to Blissdom!! :) Where did you get your cell phone case? I love it!ReplyDelete
What a cutie! Glad he did so well for you.ReplyDelete
Sounds like it was a GREAT time! I so want to go next year, especially so we can finally meet IRL :-) Glad you and baby boy had a fabulous time! He is precious!!ReplyDelete
LOVE that smiley face! 2.5 more weeks till I get to see him! :-)ReplyDelete
He's such a cutie! Love that wide-eyed pic at the top.ReplyDelete
Excited to hear more of blissdom...
This. Is. So. Adorable. I can't even handle it! Especially you and Callan rocking it out at the concert. Looking forward to your other upcoming Blissdom posts!ReplyDelete
You are one brave woman. How awesome that you took your baby through all of that and it didn't stop you from anything! More power to you!ReplyDelete
OMG I was SO waiting for this post! So awesome!!! I loved the fact that he joined you. You just proved to me and others that having a baby DOES NOT ruin your social life .haha Okbye going to get pregnant now. :) lolReplyDelete
I think Callan was my favorite roomie!! He was so darn cute & sweet.ReplyDelete
You do realize that you pretty much have the cutest little ones ever right? And looking good Ms. Hot Mess!ReplyDelete
Cassandra ♥
What a sweet little guy! I'm glad he did so well!ReplyDelete
Hahaha! Love the wine glasses in the stroller!ReplyDelete
He's so handsome. I'm looking forward to attending my first blog conference and I will have two little ones in tow. Let's hope they behave as well as yours did.ReplyDelete
Ahhh, he's so so so cute!ReplyDelete
SO cute baby such kind of products are very essential for make your baby cute and healthy so buy right now diapers for babiesReplyDelete
First of all, your baby is precious! :D I know this is a year later, but I'm planning my trip to BlissDom this year with my baby (he will be 9 months at BlissDom). It'll be my first time traveling alone with a baby and first time on a plane with a baby. I'm assuming from the photos that you ended up bringing the infant car seat and your stroller? I have a BOB joggling stroller, but I've heard that you have to check them under the plane and they get pretty beat up. Any advice for this new (and terrified) mom? :-) Thank you in advance!ReplyDelete


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well are they good honey producers?
The $30 gets them not only a package of bees but the whole hive also.
Also from their web site.....Gifts made through this catalog represent a gift to the entire mission. To help the most number of families move toward self-reliance, Heifer does not use its limited resources to track gift animals from donation to distribution. We use your gifts where they can do the most good by pooling them with the gifts of others to help transform entire communities. And, because you are helping Heifer fight hunger and poverty, your gift is tax deductible.No Thanks.


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Internships are available in my Washington, D.C., and Provo offices during the fall, winter, spring, or summer semesters. Intern responsibilities will vary depending on the office in which you work.
All interns can expect to be asked to answer phones, write letters, and research the status of legislation. Interns in my Washington, D.C. office will also give tours, research legislation for me and my legislative staff, and attend meetings, hearings and briefings. Interns in my district offices may also be asked to attend outreach meetings in the community and assist in helping constituents who are having problems with a federal agency.
Internships are valuable learning experiences. Interns will learn about the legislative process and the many other functions of a congressional office. Typically, intern applicants will apply through their respective schools and will be asked to submit a resume, two writing samples demonstrating their ability to communicate through written word clearly and succinctly, and a letter of recommendation.
If you are a high school student seeking a part-time internship in one of the district offices, please contact Joshua Emfield in the Provo office.
Provo Office


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FRITZ!Box 7330 – Service - Knowledge Base
AVM Content
Loading the FRITZ!Box factory settings
When you load the factory settings, all of the individual settings you made in the FRITZ!Box are deleted. It makes sense to load the factory settings if you are going to use the FRITZ!Box at a different location or are planning to pass the FRITZ!Box on to another user, for example. In addition, this deletes incorrect settings that prevent the FRITZ!Box from functioning properly.
You can either use the user interface or a telephone connected to the FRITZ!Box to load the factory settings.
Requirements / Restrictions
- You cannot use an IP telephone, for example FRITZ!App Fon, to load the factory settings.
Note:The configuration procedure and notes on functions given in this guide refer to the latest FRITZ!OS for your FRITZ!Box.
1 Preparations
Saving the telephone book
If you created telephone books in the FRITZ!Box, you can save them first so that you can restore them quickly and easily after loading the factory settings:
Saving data from the internal memory
This procedure deletes the internal memory. Therefore, save all of the data that you still need first:
- Click "Home Network" in the FRITZ!Box user interface.
- Click "Storage (NAS)" in the "Home Network" menu.
- If the option "Storage (NAS) enabled" is enabled, click "Internal memory".
- The contents of FRITZ!NAS are displayed.
- Mark the folders and files you would like to back up and click "Download".
- The data is now copied to the download order you specified.
Saving settings
If you save the settings first, you can restore them after you load your factory settings. However, note that in this case incorrect settings are also restored:
- Save the FRITZ!Box settings.
2 Loading the factory settings with the user interface
- Open the FRITZ!Box user interface.
- If access is protected with a password, enter the password and click "Log In",
- or, if you have forgotten your password:
- Unplug your FRITZ!Box by removing the power cable from the electrical outlet for about 5 seconds.
- Open the FRITZ!Box user interface within the next 10 minutes.
- Click "Forgot your password?" below the password request and follow the instructions.
- or, if you have forgotten your password:
- Click "System" and then "Backup".
- Click on the "Factory Settings" tab.
- Click the "Load Factory Settings" button.
3 Loading factory settings with a telephone
Configuring a telephone to use the keypad function
The following steps are only necessary if the cordless telephone is not registered with the FRITZ!Box's base station:
Note:If you are using a telephone that is registered with the base station of your FRITZ!Box (for example FRITZ!Fon C5), you do not have to configure it to use the keypad function.
- Configure the devices so that you can dial special characters (such as * and #) or send keypad sequences (sequences of symbols and digits, such as *121#) with them.
Note:Many Gigaset telephones can be configured as follows: Select "Operation at a PBX" from the telephone's menu, then select "Dialing options" and enable the option "Dial * and #".
Loading the factory settings
- Enter #991*15901590* on your telephone and press the call key (lift the receiver).
- Hang up again after about 3 seconds.


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|Topic Review (Newest First)
|I can't tell from the photo how deep the recess is for the latch but you might want to try warming the vinyl. A hair dryer or a heat gun, used VERY carefully, will soften the vinyl up enough to give it a little stretch. When I use vinyl I always lay it out in the sun for a bit before I start. The stuff is just much easier to work with generally if it's not cold.
recovering with vynl
I'm not sure if any of you guys are experienced with vynl but I thought I'd pose this question anyways. My glovebox came with a nasty tweed fabric on it (factory) and after 12+ years it was quite dirty and needed to go. I pulled it all off, and what was left was the bare plastic plus a bit of fuzz/glue.
I proceeded to recover it with vynl from a local fabric store, and I'm pretty pleased with the results, but one issue I had was around the handle. I had to cut the fabric to get it to go down in the pocket, resulting in small gaps where there is no vynl. Is there a better way to go about this?
thanks for any thoughts,
here is the picture of the final product of my labors:
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Hotels in Ecuador
Ecuador Hotels
Mompiche Vía Portete, Mompiche, Ecuador Mompiche - Mompiche, Ecuador
Diego de Almagro N24-416 & Luis Cordero, corner Quito - Ecuador Quito - Quito, Ecuador
Boyaca entre Clemente Ballen y 10 de Agosto Guayaquil Ecquador Guayaquil - Guayaquil, Ecuador
Cdla. Entrerios, Calle 7ma, #8 Y Ave. Rí, Guayaquil, Ecuador Guayaquil - Guayaquil, Ecuador
Avenida Ordoñez Lasso S/N, Cuenca, Ecuador Cuenca - 01.01.1274, Cuenca, Ecuador
Cdla. Simon Bolivar Mz 5 Sunburst 33 (behind Transportes Ecuador) , Guayaquil, Ecuador Guayaquil - Guayaquil, Ecuador
Francisco De P. Icaza 404 esq. General Córdova, Guayaquil, Ecuador Guayaquil - Guayaquil, Ecuador
Capitan Najera 304 y Eloy Alfaro, Guayaquil, EC090108, Ecuador Guayaquil - EC090108, Guayaquil, Ecuador
Calle Larga No 7-93 Luis Cordero Cuenca Ecuador Cuenca - Cuenca, Ecuador
Ecuador Details
If you love warmth, you cant get much better than the country named for proximity to the equator. This little country has a lot to offer those who love adventure. The Galapagos Islands, the Amazon rainforest, volcanoes and the Andes all mesh to create a breathtaking country. Many festivals and many outdoor activities can keep you busy on your trip and this is a fairly safe region to visit with many tourist facilities. There are numerous tours of areas like the rainforest, for hiking or climbing tours, for rafting and tours of the Galapagos Islands as well. If you're not used to the heat of Ecuador, try to stay out of the sun and make sure you drink plenty of water, and try not to plan in too much physical exertion, especially at the beginning of your trip.


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Ok, you guys remember my dog that had the sensitive gums during forcing to pile?
Well, we're almost done with his antibiotics and my vet said I can give him dental treats and a bone to chew on would help.
So I was wondering what you guys give your dogs. As far as Greenies vs. Dentastix. Nylabone or a big raw bone.
Thanks guys, would love to see what you guys use.


text: Well 2013 ended with a whimper and thusly the end of the Jim Schwartz regime. He couldn't stop the TOs. Some say we should draft a WR with the 1st pick but I think that's the last thing a smart team would do. I don't think our MLB made enough big plays. If we go best player available and a wicked hitter is out there take him. Maybe a LT and move Reiff to RT. I want a great Oline. Just because Stafford was only sacked 23 times doesn't mean he was making quality passes. Of course our secondary is soft as Charmin. Special Teams improved 100% gotta like that.


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Plainview Center
Plainview Center
South Plains College Plainview Extension Center, provides select technical education programs, academic transfer courses and continuing education/workforce development opportunities. The center serves the northern region of the college's 15-county service area.
SPC Plainview offers educational opportunities in auto technology, cosmetology, industrial manufacturing/emerging technologies, vocational nursing and welding technology. Additionally, SPC delivers numerous college-level general education and technical courses during the daytime and evening hours to accommodate the schedules of traditional and non-traditional students.
Student services such as admissions, financial aid, academic advisement, career counseling, and testing and skills assessment are provided for students.
Click for larger pictures


text: Striped Open-Work Blouse Style: 570082686 Out of Stock Love it? Everyone else did too. This item sold out! Use our search tool, chat online or call 1.877.948.2525 to find something equally desirable. With curvy cutouts, an applique changes the entire point of view of graphic black and white stripes, on a silky blouse with fluttery feminine sleeves. 96% Polyester, 4% Spandex. Dry clean. Imported. Pullover style. Slight contour at waist. Looped, covered button with keyhole placket in back. Side-notched hem. Hits at the lower hip (25.75" from shoulder). Read More… Share on Facebook Tweet Pin


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Medicare Prescription Drug Coverage
Frequently Asked Questions
6. What is Original Medicare?
Original Medicare is managed by the Federal government and lets people with Medicare go to any doctor, hospital or other health care provider who accepts Medicare. It is a fee-for-service plan, meaning that the person with Medicare usually pays a fee for each service. Medicare pays its share of an approved amount up to certain limits, and the person with Medicare pays the rest.
People in Original Medicare must choose and join a Medicare Prescription Drug Plan if they want to get Medicare prescription drug coverage. For more information about Original Medicare, visit http://www.medicare.gov for a free copy of "Your Medicare Benefits." (Under "Forms, help, & Resources " select "Publications.")


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Rebecca & David
September 7
Clinton Township, Michigan
Q & A with the Bride:
1. What was the one thing about your venue that made you know it was the one?
We decided on our venue the weekend we became engaged. Dave asked me where I would like to get married, and I told him I despised cookie-cutter banquet halls and the restrictions that are so often laced into contractual agreements and would love to find a private property where we could design our own venue from scratch. He suggested getting married in his parents' backyard, and to our surprise, his parents agreed to it! It was where we met for our first date seven years ago. Our venue was incredibly special to us; we knew it was the one because it was the only one we even considered!
2. Which three details from your wedding were your favorites?


text: Easton Equipment Reviews Helmets Easton Raptor Helmet Review Britt / November 28, 2011 Per many requests from readers we will begin writing reviews on the latest equipment in the game. Kicking off the first review is resident author, Michael Britt. Easton supplied him with their new Raptor helmet. Continue Reading Share


text: Effortless Cotton Zina Top Style: 570074986 Out of Stock Love it? Everyone else did too. This item sold out! Use our search tool, chat online or call 1.888.855.4986 to find something equally desirable. Structured shirt, crafted in pure cotton, is one of our favorite chic classics. Effortless shirts have been engineered to give an always-pristine, wrinkle-free appearance. Length: 24" to 27". 100% cotton. Machine wash. Imported. Read More… Share on Facebook Tweet Pin


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'Why Have Kids?' author on parenting's contradictions
A high-profile feminist and founder of the website Feministing.com, Jessica Valenti is also married and the mother of a two-year-old. Valenti, 33, of Boston, spoke with USA TODAY's Sharon Jayson about her new book Why Have Kids?, which focuses on the disconnect between expectations of parenting as pure joy versus the day-to-day reality, which isn't so easy. She raises some provocative questions, including whether to parent at all.
Q: In the book, you say that "Five times as many parenting advice books were published in 1997 as were in 1975. An industry built itself around a nation of parental worriers." You have a new parenting book. Aren't you part of this industry now?
A: I hope I'm not part of that industry. I'm kind of considering it an anti-parenting book. I am not doling out parenting advice. I'm not trying to make anyone worry about anything. My hope is that it will open up a conversation and ask questions about this framework of idealistic parenting that has been set before us that I think is pretty damaging and unrealistic.
Q: What's the problem?
Book: "Why Have Kids?" explores the difference between the expectations and reality of parenting.
A: I think that the ideal of parenting can make people unhappy. It's that this lie that they're being told by society that parenting is one thing — and when parenting is something completely different — that's what makes them unhappy. When you ask most American parents why they want to have kids, it's to bring more joy into their lives. So, when you don't feel that all-encompassing joy, it must be that something is wrong with you. I think it's dissatisfaction that the expectation was different than the reality.
Q: You say we need to stop talking about parenting as the default rather than a deliberate choice. Is it still that way?
A: It's becoming less so, but I think it's very much the default — just the way in which women's health care is centered around the idea that one day they'll become pregnant. From policy to culture, the assumption is that everyone — women in particular — will become parents. Parenting is still being considered the default rather than a proactive decision.
Q:Your book notes that after a baby arrives, once-egalitarian marriages become more traditional. How have you and your husband — both feminists — counteracted this?
A: It's been a struggle. In the beginning, the attitude was "We're feminists, let's just let things take our natural course and everything will be fine." But that's not usually how it happens. The default assumption should be that you are both the caregiver — not that mom is the primary caregiver and dad is going to help out. I also think it's a matter of letting go of control. Women are brought up to believe you are going to be the better parent and you know what's best. I don't think that's necessarily true. As much as we have to ask men to step it up, we have to take a look at ourselves and be willing to give up some of that parental power.
Q:You say that we should focus on raising our children as a community exercise. That's a throwback to the "it takes a village" idea that got attention in the 1990s. Have we gotten away from it? What should we do to refocus to the community approach?
A: We've definitely gotten away from the idea. It seems to me that culturally what's considered the best thing for a child is the one parent — preferably mom — to be at home raising them. That's about as far away from community as you can get. I don't think that's a great model for parenting or for women's lives. I think it's better for children to have multiple caregivers and be a part of a community. I think day care is terrific. Kids get to be around other kids and they're playing and they're teaching each other. When I was in college, my summer job was being a preschool teacher. I loved it, and after that experience, I said I can't wait to put my kid in day care because I could see how much they loved it. I do think we also need to reframe day care as a good choice and not the last available choice.
Q: You went to your first feminist march as a kid. How are you parenting Layla with this in mind?
A: I don't think I'm going to be forcing her to read any feminist theory or anything like that. I think the more you try to pressure kids to do things, the more they rebel anyway. In terms of toys and things like that, we do try to make sure she has a little bit of everything so she can kind of tell us what she'd like to do — even if that means sparkly tiaras.
Posted | Updated


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Greets folks!
Just checking to see if any of you have a lead on aluminum jetpack collar upgrades... I know Serenity used to make 'em. Specifically, I need one for my new MoW ESB build-up.
Please reply here or shoot me a PM if you've got a hook up.
- Andy


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Strawberries are everywhere right now! And as English strawberries are of course the tastiest, the Baking Mad team recently decided to take a trip to a local strawberry picking farm – 'Hill Farm' in Chesterton, so we could pick some for ourselves.
Thankfully it was a beautiful day as we set off, and driving up to the farm we saw that we could also grab ourselves some gooseberries while we were here, and come back again for some delicious blackcurrant and blackberries later in July.
The strawberry fields were huge and the little signs showed us which strawberry varieties were planted there. 'Christine' is apparently a strawberry type from the Fragria Ananassa species which is highly resistant to Verticillium wilt and powdery mildew, not that we're exactly sure what that means!


text: Hi guys, i am excited to join the site. Really cool to look at all the great work everyone is doing. I am planning on starting a HIC soon and am looking forward to posting pics and updates for everyone to see. Any words of advice or who to buy from would be appreciated. THanks in advance, Mike.


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Amy & Roger's Epic Detour by Morgan Matson
Amy's father died in a car accident. Her mother has decided to relocate the family from California to Connecticut, and Amy will be driving with Roger, the son of her mother's friend. As the journey progresses and detours are taken, Amy deals with her grief and her growing crush on Roger.
- nb


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Thyme-fringed pavers
Creeping thyme (Thymus praecox arcticus) grows from 2- to 3-inch gaps between sandstone pavers in this garden in Old Snowmass, Colorado; in summer, it's covered with small pink flowers. The path, whose pavers are set on a 4-inch layer of compacted sand, leads to a kitchen garden. A standing stone and boulder benches—made of Comanche Moss sandstone and flanking the path—echo the shape of the distant Elk Mountains.
Design: Richard Shaw, Design Workshop, Aspen, CO (


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California Push Tilt Umbrellas
It's not a curse that the sun wobbles across the sky. It's the reason life can exist on this planet! So don't be angry, be glad. And get an umbrella that can be tilted and shifted to keep you safe from the ever-wandering sun.
Ends on April 20 at 9AM CT


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The controversial ban on females wearing headscarves in Turkish universities may be coming to an end. A draft of the new constitution contains the following line: "No one can be debarred of his or her right to higher education because of his or her attire." According to Prime Minister Erdogan, "wearing a headscarf could not be banned even if it is used as a political symbol." The headscarf ban was introduced in the 1990s as a way to combat militant religious groups which were attempting to intimidate secular females from going without head coverings. Appeals in th 1990s to the European Coourt of Human Rights were rejected on the ground a government had a right to pass such laws in order to protect its citizens.
There was extensive debate among members of Erdogan's Justice and Development Party about ending the headscarf ban, but the decision was made to pursue the matter. Many secular groups in Turkey fear allowing headscarves will embolden religious groups to exert pressure on secular females to go along with wearing one in order to avoid nasty confrontations. Obviously, it will be up to universities to ensure the rights of secular students must be protected from religious harassment.
Another controversial statement in the constitution maintains the concept of compulsory religious classes in schools. Even some members of Erdogan's party wanted this proviso out because it will create problems when Turkey submits its application to enter the European Union. Most probably the EU will insist on assurances the rights of non-Muslims are protected in schools. The draft constitution did slightly open possibilities for Kurdish to be used as a the language of instruction in some cases.
Overall, the new constitution addresses concerns of religious fundamentalists, but, hopefully, it also protects the rights of secular Turks and Kurds.


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Links to Commission of Audit and government response
30 April 2013 , 9:49 AM by Amanda Dell
The Commission of Audit report into the state of Queensland's finances has been tabled by the Government.
Click "READ MORE" to access the documents in the links below and tell us what you think - which proposals would be good for Queensland and which ones could bring more pain to the state? Perhaps you can foresee an outcome that the government hasn't thought of?
Final Commission of Audit report:
Government response:
The Premier Campbell Newman and Treasurer Tim Nicholls presented the government's response to parliament.
Leave your comments below.
You can follow this conversation by subscribing to the comment feed for this post.
It's a pity they won't privatize the electricity assets as well.
Posted by: Levi | 30 April 2013 at 01:59 PM
I think no matter what it was all abc employees would hate. now if it was labor policy then every abc employess would love it
Posted by: biast | 30 April 2013 at 02:07 PM
Hmmm. Public transport vs privatised. Airtrain = expensive
What do we have to look forward to here?
Posted by: Alex of Western suburbs | 30 April 2013 at 02:08 PM
I am not going to bother reading the entire Costello report, but just in the brief it sounds like good sound advice. Advice that other Governments like NSW and VIC should be concidering.
Posted by: James Eades | 30 April 2013 at 02:19 PM
Private ownership of assets is not only safe, but the best way to manage the assets. The unions would not agree, but then look at the damage to industry unions have caused creating uncompetitive industries and a cost of living the average citizen can't afford.
Signed. Peter Manuel
Posted by: Peter Manuel | 30 April 2013 at 02:36 PM
We got rid of Anna for asset sales. We are now ending with a worst situation. Sell Sell and nothing will be left for the next generation. Look at our airports, sold to private enterprises no development but only money grab.
Shame, Shame, Shame
Posted by: Aloka | 30 April 2013 at 02:39 PM
So, once we've sold all (most of) the assets, where to from there? IN addition, when the next recession comes what happens? Catastrophe, thats what. This is a never ending spiral into consumer loss.
There are now 23 million of us. Charge more PAYE tax for EVERYONE and start to reestablish the public services we need like health, education, roads, pensions etc. At the moment everyone seems to be looking ONLY at recovering debt. So where is the future wealth coming from that will be needed to support 23 million and grow the country? One thing is certain, the current Government is working at the lowest common denominator objective and if that continues, and like so many I know now, I will just shut the doors on my business and depart this uncompetitive, IR hamstrung country and invest elsewhere. STOP avoiding the bleeding obvious! Raise PAYE taxes and disassemble the empire that the Canberra incumbents have created - its like frankenstein's baby!
Posted by: Wally | 30 April 2013 at 02:53 PM
this govermen is out of thach , look like tennagers.i live for forty years in australia. so went we cant not buy something yust weit and this moment many thins cant do.thanks luis
Posted by: luis bruno | 30 April 2013 at 03:08 PM
From memory, this is largely the steps Jeff Kennett did in Victoria during the 1990's. The electorate's response was to end is term as Premier.
Posted by: Bruce Rogers | 30 April 2013 at 03:16 PM
QLD is still a wasteful state Government in desperate need of drastic cuts. Much deeper cuts are needed, but Costello's recommendations are a good start.
Posted by: Jack | 30 April 2013 at 03:33 PM
we need more politians like Campbell men and women who are prepared to take the hard decisions and not going on a spending spree with no money in their pockets which should be viewed as criminal nor does he encourage his constituents to incur more debt listen to him australia and we may have a chance
Posted by: sue symes | 30 April 2013 at 03:39 PM
Unless Human Rights issues are properly defined in law like a violent bullying at work places as an assault you will be always in troubles - the way we produce the pie to share
Posted by: Jack Kiss | 30 April 2013 at 03:44 PM
Here's a comment! If the department runs over budget, Strip the head of department and the minister responsible for it of the pay and superannuation.
Posted by: jimheath | 30 April 2013 at 03:45 PM
Why woul you want to sell any public owned asset if it can contribute to the coffers.
By all sel any inefficient money loosing assets, that can perhaps be better served through the private sector.
Lookat which assets can be leased to raise revenue!
In other words Qld government should be run like any other business with a view to make a profit at the end of the day.
that way we can reduce unemployment and look forward to a brighter future.
Posted by: Rian cuylenborg | 30 April 2013 at 04:11 PM
Of course we have to tighten our belts to recover from the Bligh Governments mess just as we will have to do with Julia's mess come September
Posted by: Ray Sinkisnon | 30 April 2013 at 04:15 PM
When you sell a monopoly asset to the private sector you do nothing to increase efficiency. It is just a grab for money. To what end is it worth anyway? By all means reduce debt when we have global growth. It is really stupid to reduce it when many sectors are struggling. Ideology does not make for good economics
Posted by: stever | 30 April 2013 at 04:19 PM
The country is going to hell in a hand basket and, it seems neither parts has a clue as to what they're doing.
Sadly, Queensland is no different.
The Australian public are stuck between a rock and a hard place.
Posted by: Mick. | 30 April 2013 at 04:22 PM
Afraid I am not overly impressed with the LNP (Costello) plans.
We all have to remember the times we now live in and also understand that normal "old style" conservatism is NOT a good fit to the circumstances.
newman and his lieutenants do not appear to have any idea what "negativity" can do to an economy and a nation.
Negativity breeds negativity, as history has shown.
These guys are not the sharpest knives in the drawer..
Posted by: SPARTACUS | 30 April 2013 at 04:27 PM
Peter Castello is on record that he was, and still is the best tresurer that Australia ever had. It is always the case that each time any libral government won power from a labor government, whether they might be state labor, or federal labor the new libreal governments always had to sell assets to pay for the debts that labor left behind them . Vic had to sell all of it's assets ,NSW will also have to eventually, at present the NSW debts that labor left behind are being carried by the NSW tax payers. Queensland now have to sell, Tasmania under labor and the greens is a basketcase. and Fedral liberal under Jonn Howard had to sell off Telstra to pay for labor debts .And now the debts are here again under labor. Just imagine if the all of the Australian tax payers didn't pay a flood levy because Anna Bligh never had any flood insurance where Queensland would be to day.Iagree totally with Peter Castello report .Campbell newman should have applied all of Peter Castello sugestions so we can stop paying our flood levy .
Posted by: Benson | 30 April 2013 at 04:29 PM
I would not like to see Education and Health sold off to private hands. This is fundamental responsibility of Government to ensure we have the best for education development for students from Primary, to High School, Tafe development for those who wish to learn a trade, and paths to University education. Industry, commerce and science overall will benefit if these paths are Government controlled. Health is another for Government supervision. Yes, we can still have private health for those who feel they need it. Public Health should be the main priority of State and Federal controls; it is too important to be otherwise. Geoff Isaac
Posted by: Geoff Isaac | 30 April 2013 at 04:32 PM
I have now read the report and noted that the Qld Government would encourage private funding of most of its responsibilities. The report does not address the essential government function of governing for all people, the weak, the infirmed, the poorer members of our society. Productivity increases through reduction in red tape should read "QLD GOVERNMENT WILL AGREE TO STANDARDISE ACROSS AUSTRALIA AWARDS, BUILDING STANDARDS ETC" The government does not address the Electricity costs born by consumers whom do not have the capaciy to add solar electricity. Instead those members of our community are being forced to subsidise the rebates of a mere 290,000 home owners in South East Qld. THE LNP Government is making State Governments more irrelevant as they progress down this path. Disappointing really.
Posted by: Joker in Pack | 30 April 2013 at 04:32 PM
It doesn't matter what the LNP suggests or favours, the LNP never makes realistic reduction of costs for the working class and impoverished. As far as Rural and Regional Health is concerned, reduction of services, blowouts in waiting times and patient out of pocket expenses recently doubled along with increased numbers of regional patients travelling to and from Brisbane for appointments are already causing much angst and financial loss to workers and pensioners.
Cut out the rorts, jobs for the boys and reduce parliamentary salaries to MPs and eliminate many of the allowances.
Everyone is equal and cuts of any kind should start at the top.
Posted by: R Shepherd | 30 April 2013 at 04:37 PM
Accepted Recommendation 66 to outsource public hospital pathology services to the private sector has huge implications for the range of tests provided and the turn around time for test results especially for regional areas. Private pathology is funded in a way that forces centralization for economy of scale and the profit bottom line is the main factor in guiding the level of service provided. Tendering for the service provider was a mess in new zealand and will likely be replicated here. Unless the funding model is changed, If the aim is to cut costs there will certainly be cuts to the service delivery especially in regional areas. Good quality pathology service is essential for good quality healthcare. Pathology underpins every medical/surgical speciality and is required for over 80% of diagnoses, as well as for monitoring diseases and their treatments - the growing costs reflect the increased demands from an aging population with increasingly complex medical conditions and therapies. The fragmentation of the current statewide public pathology service (which has been envied by other states without a statewide service) is a huge backward step. Qld gov devolving these service delivery decisions onto the 17 health districts is just a way to distance their responsibility and will create another layer of cost-shifting blame. A c
Posted by: JD | 30 April 2013 at 04:44 PM
what will happen to the health support systems for aged pensioners eg. mamograms ,blood tests, x/rays . If they are privatised will we have to wait on long public waiting list ? Will we have to pay more?
Posted by: judith fowler | 30 April 2013 at 05:14 PM
As an Australian citizen I strongly object to the continued existence of state governments which apart from providing the federal government with a convenient excuse for its own policy failures serve no useful purpose. These remnants of colonial days trample on our human rights through a tyrannical and oppressive legal system. The Queensland courts are particular offenders in this regard. Had the High Court not torpedoed the Interstate Commission, we would not be having this conversation as the states would have been stripped of economic power as intended by the framers of the constitution. The state governments are characterized by corruption, cronyism and nepotism. Unfortunately we pick up the tab.
Posted by: Chris Reid | 30 April 2013 at 05:39 PM
How can the man have the audacity to cite other states private prisons as examples of efficiency, when in his OWN report, it clearly demonstrates Queenslands GOVERNMENT prisons are significantly cheaper to run than the interstate counterparts.
In addition to that, just a quick glance and all the issues we are having with mismanagement in one of Queenslands private prisons sends a clear signal that not only does the state do it cheaper, it does it better.
Privatising prisons is also unethical. It is outsourcing the legal right to physically assault people to a private company.
As per the corrective services act, prison officers are authorised to assault prisoners and anyone near a prisoner or corrective services property.
The only other group of people legally authorised with such power are police. shall we outsource them too?
Posted by: richard | 02 May 2013 at 03:21 PM
You dont have to look too far to see the disatisfaction with the privatisation of public transport. Look at the Sydney Ferries or Connex or the other operators in Melbourne. In the end the privatisation cause massive disruption and discontent for commuters.
Peter Costello sold off our gold reserves where the price was around 300 dollars an ounce. Now what is gold worth?
The once proud railways in Britain are a case in point. The tracks were sold off and lack of maintainance in private hands caused an accident and for a long time across Britain whilst I was their in 2000-2001 trains were cancelled and could only travel at around 30 miles an hour. Whilst the rail was repaired at taxpayers expense.
One can only imagine the mess if we have multiple bus companies operating into Brisbane. The public and the economy will pay much more in more ways than one.
Posted by: Barry Rutherford | 02 May 2013 at 03:32 PM
It seems the LNP is running scared with regard to public asset sales because to implement Peter Costello's recommendations would be to acknowledge they were wrong to crucify Anna Bligh's government for trying to fish the state out of debt by this very method. The LNP used all their resources to successfully convince the public to turf out the Bligh govt because of asset sales yet now Peter Costello is acknowledging that she was actually taking the right action to try to find revenue for the state. The public willingly soaked up the "headlines" and "slogans" and now we have a govt that is trying to slash and burn everything the public owns or runs in order to build a good looking 'bottom line' so come the next election they can gloat with more headlines about how they got the state's bottom line back into the black, and they will be making a lot of noise to block out the stories of thousands of unemployed and unassisted Queenslanders left struggling in the community.
Posted by: Carol | 06 May 2013 at 09:56 AM
An audit was a good idea. But it should have been an independent audit. Costello was not a good treasurer, wasteful twice according to the IMF. Not even Labor has been rated as wasteful by the IMF. He had an opportunity to build a sound infrastructure but, with Howard, chose not to do it.
Unfortunately, due to Costello's much publicised involvement and views, the Qld audit can therefore be considered as a political exercise.
Posted by: jaybee | 02 July 2013 at 12:44 PM
I don't understand why Peter Costello was allowed to conduct this audit. An independent (non-political) auditor surely could have been found. It's a case of "be careful what you wish for". Many in Queensland were hasty in voting Labor almost out of existence only to find the LNP a far nastier proposition. Wake up, Queensland! Some of you still remember the Jo years, don't you?
Posted by: Ali | 05 September 2013 at 03:40 PM
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Personal Pages SWiSH Templates
We have a collection of 2 designs in this area!
Do you want to share yourself with the world, or perhaps simply need a place to vent? You can even do an autobiography with these personal page swish templates. Musicians, authors, cooks/chefs, poets, writers, religious leaders, romantics at heart, body builders, personal trainers, or anyone can make these personal page swish templates their own amazingly easy. Want to keep track of your exercise progress, show off your favorite recipes? How about keep up a fan page for your favorite celebrity? Make it personal, with these personal page swish templates, you're not getting any younger!
Personal Pages SWiSH templates are similiar to our regular website templates except that the template's Flash portions are constructed using SWiSHmax. Once the website is ready the Flash portions are compiled into a .SWF file just like our Adobe Flash templates. Each of our personal pages SWiSH templates will come with the .SWI source file so that you can edit and make changes using SWiSHmax. Our personal pages SWiSH templates have awesome textual animation effects which can be easily customized with your own text.


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Tony DeMeo 71
Football Player & Coach
Tony DeMeo, a standout football player and coach, enters the Hall of Fame this year. DeMeo, a 1971 graduate of Iona, was a star defensive back and tailback for the Gaels. He was a member of Iona's 1967 undefeated (9-0) team that surrendered just 21 points the entire season. After achieving much success as a player, DeMeo returned to the gridiron as head coach at Iona for the 1975 season. From 1975 through 1978 DeMeo compiled a 22-10-2 record, including a perfect 7-0 mark during the 1977 campaign. His 66.8% winning percentage ranks second all-time amongst Iona football coaches. DeMeo holds the distinction of being involved with Iona's only two undefeated football seasons and was a major factor in Iona's quick rise through the Division III ranks. He is a two-time winner of the Metropolitan area Coach of the Year, capturing the award during the 1976 and 1977 seasons. Today, DeMeo is in his fourth season as the head football coach at Washburn University in Topeka, Kansas.
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This is quite possibly the best woot shirt ever.
BenRain wrote:This is quite possibly the best woot shirt ever.
ooooh, i dunno. i might be seeing this on the worst sellers list in the next 7 days.
Anyone catch the air guitarists on America's Got Talent a couple of weeks ago? They were rocking. I admit it, I've got a soft spot in my heart for air guitar.
If it's a t-shirt celebrating air guitar, why can you see it?
I don't get it?
weakest shirt currently!
So I get the Air Nike but...really? Really? This is one of those times where I'm reminded of the argument that Editor's Choices from the derbies should happen more often.
heckfu wrote:ooooh, i dunno. i might be seeing this on the worst sellers list in the next 7 days.
I disagree. If this doesn't sell out by noon, I'll honestly be surprised.
beefjerky2009 wrote:BLACK
Air drums not included.
PapaMidnight wrote:I disagree. If this doesn't sell out by noon, I'll honestly be surprised.
I think you should prepare to be surprised, 'cause thing is not gonna sell out by noon. It might be the worst woot shirt ever.
Well, now I have something to wear to Rock Band night.
Will my RB2 instruments work with this shirt?
Time to shred this shirt, dude!!
You know who would look great in this shirt?
Led Zepplin - Black Dog
"Hey, Hey, Momma it's in the way you move....
gonna make you sweat, gonna make you groove...
Vowditty vowditty voditty vowditty. Vowdee vowditty vowditty vowditty vowditty. Vowdee vowditty vowditty vowditty vowditty. Vowdee vowditty vowditty vowditty vowditty."
Michael Jordan reference?
Nice concept, poorly executed.
i know 80s nostalgia is big, but I honestly find it very difficult to believe that many people are going to want a shirt parodying a shirt from the 80s that you coulda bought at kmart.
Is this the duke which sucks?
I know that the air drums aren't included, but how about the air cowbell?
Tennessee seems to really like this shirt.
If you wear this shirt backwards you can hear...
Oldyeller89 wrote:Tennessee seems to really like this shirt.
I was just looking at that too, Texas isn't far off.
New Mexico is out; I guess they're waiting for something with daytons.
I agree with some of the above wooters.
I don't see what's so appealing about this shirt...
This thing is going to get reckoned outta here so fast that we'll hear the sonic boom.
That's guitar air.
Don't breathe that.
I dont see what is so wrong with it. Its a cool design and for once isnt some cutesy design. I say turn it up to 11 im in for 1
Don't worry, everyone, I speak guitar.
Wombam badoodoo booDOW boodaa, SOLO. Widdly waaaaAAAAHHHH BWOW boo doo ba dayaboo WAA booboomboom bwaa WIDDLY WIDDLY WIDDLY WIDDLY WIDDLY WIDDLY WIDDLY WAAAAAA.
Not too impressed with this.
wow really? Desperation sinking in? This design blows air chunks. Quite possibly the one of the worst designs ever.
My air guitar style is more of a bike handlebars hybrid.
Kind of clever... but I'd never be seen wearing it.
Really, woot? The last few days have been pretty disappointing, but this one is especially bad.
cosmichippo117 wrote:Really, woot? The last few days have been pretty disappointing, but this one is especially bad.
What they just cant cater to chicks. heck, as I said I wish they would make more stuff like this.
I like how none of the negative comments are "quality posts", only the good ones
edit:: lol, they made this post a "quality post". I believe the term is 'owned'.
I'd get this shirt if i didn't think air guitar was the lamest thing ever created. Sadly I do. lol
ok, so the last one is Santo & Johnny's "Sleepwalk" . Very nice air slide guitar work there... Still working on the other two tho.
ok, obviously the Clapton one is "Layla" I see that now.
The GNR one seems to be Welcome To the Jungle. I'd have gone with Sweet Child 'O Mine, personally.
I'm going to have to agree that the 80's Nike reference isn't all that clever. I got the reference immediately, but I initially thought I was mistaken, because it's just not that funny. Maybe 20+ years ago, when I was on the playground....
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The most important right possessed by those who teach in universities is the right to decide policies on a college campus. Five members of the Higher Education Board(YOK) of Turkey issued a statement that blasted the chairman of YOK, Professor Yusuf Ziya Ozcan for over-ruling the Board on the issue of can women wear a headscarf while attending university classes. Ozcan issued a directive to university campuses saying women should be allowed to wear the headscarf despite legal issues concerning whether this was allowed.
The issue is not women wearing the headscarf, the issue is who decides campus policy? In a free university where all ideas are discussed, and in which the faculty make final decisions, the government should not be allowed to decide policy. Today, it is the headscarf, but what about tomorrow?


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Down-filled Cashmere Jacket with Detachable Fur Trim
Size Guide
Use the Size Guide to choose the best fit for your measurements.
In this window, you can find out the shipping and returns options for the selected item.
In this window, you can contact customer service for further assistance.
- A cold-weather water-repellent jacket elevated in soft, insulative cashmere with a goose down filling and smooth leather bound seams. Internal ribbed cuffs trap in warmth. Tonal check accents the protective funnel-neck collar and drawcord hood, reinforced with detachable raccoon fur for particularly brisk days.
- Jacket length: 67cm/26.4in. This is based on a size UK 48 as proportions change slightly according to size.
- Model's height: 188cm/6ft 2in
- Outer: 100% cashmere with leather and lambskin trims
- Cuffs: 95% cotton, 4% polyamide, 1% elastane
- Detachable fur trim: 100% real fur: farmed Asiatic raccoon, nyctereutes procyonoides, fur origin: Finland
- Lining: 100% polyester
- Hood lining: 100% wool
- Filling: 90% goose down, 10% goose feathers
- Wadding: 100% polyester
- Buttons: buffalo horn
- Centre zip, button and press-stud fastening
- Press-stud side pockets
- Remove fur trim before specialist dry cleaning
- Imported
Item 40335341
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Arsène Wenger believes David Beckham is the ideal role model for Arsenal's exciting crop of young players.
The 37-year-old is training with the Gunners after leaving LA Galaxy last month, but a permanent move to Emirates Stadium is not on the agenda.
However, Wenger insists having the former England captain around his squad can have a major impact on the development of his players.
"He's fantastic, that's one of the reasons I have him here," the manager said. "Beckham is in [early] in the morning and always does good work.
"The young English players look at him and take his advice on board. He gives positive advice.
"He has fantastic quality because he has done the maximum in his career. Why? Because he loves football. He is out there before training [starts]. After training he stays and plays. He is such a good example to look at."Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


text: Why you should not use email@example.com in your emails Carly Brantz February 8, 2010 Best Practices, Product, Technical // SUMMARIES ?> When we were designing our SendGrid platform, we tried to solve most of the existing email problems and make an extensible platform where other companies could add functionality and solve future problems. One of the current problems is taking incoming replies from emails. We noticed many companies sending automated or transactional emails to their users using a From email address in the form of email@example.com. This creates two huge missed opportunities that SendGrid users can now easily take advantage of by using our parse API. The first missed opportunity is communicating with users. Companies such as Posterous, WordPress, Intense Debate, and Facebook have taken advantage of the wide adoption of email to develop great applications. WordPress and Posterous allow users to write and publish a blog post by just sending an email. In the same manner, Facebook and Intense Debate allow users to reply to comments by just replying to an email. The second missed opportunity is increasing email deliverability. Webmail email providers such as Yahoo and Gmail automatically add email addresses that users reply to often to their contacts list. Messages from senders in the contacts list won't be marked as spam in most cases. The best way to start is to allow registered users to reply to emails to confirm their email accounts in addition to providing a confirmation link. So why haven't companies taken advantage of this in the past? First, it is difficult to setup the infrastructure to handle this. It requires setting up email server software, worrying about scalability, and maintenance. Second, parsing emails correctly can be difficult. Emails are encoded differently, have multiple parts, languages, etc. Luckily, SendGrid makes all these pains go away. Companies using SendGrid can get this functionality in minutes. SendGrid acts as an email proxy to web applications. Users just point a domain such as domainmail.com or a subdomain such as mail.domain.com's MX record to our cluster mx.sendgrid.net and give us a URL to post parsed emails to. Any email sent to that domain/subdomain comes to SendGrid, we parse it (including attachements), and post it to a web application. This allows programmers to develop regular web forms that are exactly the same as if they were taking user input from a web browser. Companies can give unique email addresses to their users or use the same email address and include an unique identifier in the subject (such as ZenDesk) or in the body. For more information go here. If you are a SendGrid user using this feature please let us know so we see what cool applications you have developed. We would love to feature them in our blog. Also, we would love if you can provide feedback by taking our survey here.


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After the 500 school groups left, the Brooklyn Botanical Garden was great. I learned how to get there by elevator: Transfer at 42nd to the B/Q line and get off at the Prospects Heights. But be warned: The people on the subway DO NOT like unfolded strollers. Here's what could happen if you do:
On the way home, Owen was sleeping so I brought my double stroller on the subway without folding it. It was 4:00pm. I knew it was coming: an elitist business man walked on and remark that he has two kids, and ALWAYS folds his stroller. And that someday this was going to be against the law. And that it was really inconsiderate that I brought the stroller on. And then some little 17 year old boy started in on me too. Oh no they didn't!
I'm so ashamed at the things I said back. At least I didn't use swear words. I ended my rant with "I wish triplets on both of you!" and got a few laughs from the people in the subway. Ok, one person laughed. The rest probably thought I was crazy. But look at the pictures I took at the gardens! The cherry blossoms! Pink everywhere! Spring! Those suspenders again! New York is great! My life is perfect! I didn't cry twice today! Yes I did!


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I have been looking for a cool Iron Man helmet to buy but I was wondering if anyone had one or would be willing to make one with the LED eyes & Electronic moving Faceplate.
If you do have one or are willing to make it please provide pictures and a price because I have a budget of around $100 and i could possible get more money if i played with my savings.
Need it to complete my iron man costume. Mines not as cool as others so I wanted to at least have a cool helmet.


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Gift Ideas from Silvert's - Women's Arm Stiffness Sweaters
View our wide selection of clothing for mature women, seniors, elderly and disabled adults. Choose from traditional classic styles for the mature senior woman to easy access adaptive clothing solutions. View all of Silvert's Stores women's collection including underwear, easy bras, blouses, tops, dresses and pants to outerwear and accessories.
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Bookmark this site
SEATTLE -- Starbucks Corp. said it plans to install vending cafés in large offices throughout Europe, expanding upon a pilot it launched in Switzerland last fall.
Called Corner Café, the Seattle coffee giant's automated workplace coffee bars feature Starbucks-branded vending machines that dispense coffee, cappuccinos, espressos, chai tea lattes, hot chocolate and more. The program will make its way to Germany, France, the Netherlands, Denmark, Finland and Austria this summer.
Starbucks piloted Corner Cafés in Switzerland six months ago in partnership with European vending giant Selecta and has about two dozen on location. Employees pay for their own drinks at some machines and employers subsidize them at others.
The Wall Street Journal reported that Starbucks plans to expand the initiative to Britain and to have thousands of vending stations in Europe within a few years.
Moving ahead, Selecta will install, operate, market and service the machines and pay Starbucks a licensing fee, according to the WSJ. The vending company will purchase branded cups, coffees and other products from Starbucks and procure fresh milk from local suppliers.
Selecta provides office coffee service to more than 100,000 workplace locations in Europe and more than 15,000 in Switzerland.
Starbucks is not the only coffeehouse giant seeking to place high-end brewers in workplaces. Earlier this year, Vending Times reported that Costa Coffee (Dunstable, UK), the world's second-largest coffeehouse chain, is developing its own vending machine with help from Intel. Costa's CEM-200 is a full-height kiosk that delivers freshly ground and brewed espresso coffee and coffee beverages, prepared with fresh milk when appropriate, in a variety of portion sizes. It incorporates brewing technology by Swiss foodservice brewer manufacturer Thermoplan. | SEE STORY


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That's right...not only are we having one of the biggest sales of the year, we're giving away FREE STUFF all weekend long.
Revo Technik, Stasis Engineering, and Eurojet Racing have teamed up to create the largest performance group in the VAG community.
Now it's our chance to give back to the community that has allowed us to grow and work our way to the top.
STOP BY OUR BOOTH AT WATERFEST - SATURDAY the 21st and SUNDAY the 22nd to take advantage of these specials:
Pre-Pay to get your car flashed by our professional staff during the show and receive 30% OFF retail.
Every car registered for our PRE-PAY SPECIAL* will be entered into a drawing for FREE STUFF.
We're giving away:
- Free Serial Port Switches
- Free Down-pipes and Stage 2 software upgrades
- Some lucky person will even win a FULL Turbo Back Exhaust.
Didn't make time to pre-pay?
Don't worry, all ECU software purchases are still 20% off ALL WEEKEND LONG.
Serial Port Switches (SPS) are also in stock and $50 OFF retail.
Buy any Eurojet or Stasis product during Waterfest and be entered into a drawing for...
Free Revo Technik Software -OR- a number of other cool prizes.
We're bringing out our largest supply of inventory ever.
Intakes - Downpipes - Intercoolers - Exhausts - PCV kits - and MORE.
If it's not in stock, we'll ship it for FREE.
All Eurojet and Stasis products are 10% OFF of retail.
You don't have to spend money to win!
Stop by out booth and find out about our "Stick IT to Win IT" promotion happening ALL WEEKEND LONG...
Giveaways include Free Software - Free Intake - Downpipe - Full Exhaust - and Gift Certificates.
*[SIZE=1]To be eligible for the Pre-Pay special, you must pay in advance for your software through any of our Authorized Revo Technik dealers. Once you're paid in full, contact us and we'll schedule your flash anytime Saturday or Sunday. All flashes will be completed in under 1 hour. No waiting in line, no sitting around waiting in your car.[/SIZE]


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BRENTWOOD — A Newmarket man was indicted on charges that he sexually assaulted a 15-year-old girl and provided the girl with marijuana when the two met at a local baseball park, according to prosecutors.
Corey Ferland, 21, was indicted on two counts of felonious sexual assault, and a charge of dispensing a controlled drug in Rockingham County Superior Court.
He also faces a misdemeanor sexual assault charge.
The felonious sexual assault charges are Class B felonies, punishable by up to 3 ½ to 7 years in state prison.
Prosecutors say Ferland was free on bail at the time of the alleged assault, awaiting trial on charges of manufacturing and possessing child pornography. He was indicted on those charges, involving another girl, in June.
The girl in the latest case told Newmarket police that she met Ferland around 1 a.m. on Sept. 8 and had a sexual encounter with him.
She and Ferland decided to meet at a local bus stop while communicating through Pinger, a text messaging service used on computers, according to a police affidavit. Police say Ferland had a sexual encounter with the girl at a baseball park off of Elm Street.
Ferland also allegedly gave the girl marijuana to smoke while at the park. He is currently being held at the Rockingham County jail in Brentwood.
Hampton police said they arrested Ferland on Feb. 20 while executing a search warrant at his home. He allegedly sent sexually explicit photos of his 17-year-old ex-girlfriend to her father.
He was indicted on four counts of distribution of child sex abuse images, two counts of manufacturing child sex abuse images and two counts of possession of child sex abuse images.
A conviction for manufacture of child sexual abuse images carries a state prison sentence of up to 15 to 30 years behind bars.
Ferland could also face 10 to 20 years in state prison on each of the distribution and possession charges, according to the indictments.


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Home > News & Events > Events Calendar > Business Approaches to Global Malaria
This panel will cover business approaches to malaria, including malaria control and eradication as we approach 2015 targets. Hosted by Thomas Healey, Founder and Partner at Healey Development LLC; Senior Fellow, M-RCBG Moderated by Rajesh K. Garg, McKinsey & Company Panelists include: Suzanne M. McCarron, President, ExxonMobil Foundation Jane Nelson, Senior Fellow and Director, Corporate Social Responsibility Initiative, HKS Dr. Josephine Ojiambo, Ambassador, Deputy Permanent Representative of the Republic of Kenya to the United Nations N. Regina Rabinovich, ExxonMobil Malaria Scholar in Residence, Harvard University Dr. NaohiroTakahashi, President and CEO, Sumitomo Chemical America, Inc. Daniel H. Stern, Co-Chief Executive Officer, Reservoir Capital Dyann F. Wirth, Professor and Chair, Department of Immunology and Infectious Diseases, Harvard School of Public Health This event is co-sponsored by M-RCBG, Harvard Global Health Institute, Harvard Center for Population and Development Studies (HSPH), CSRI, and the Departments of Global Health & Population and Immunology & Infectious Diseases at HSPH. A networking reception will immediately follow.