text:
No coverage
Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for any reason.
There is no Cancel For Any Reason coverage with this plan.
POLICY DEFINITIONS — Certain words and phrases used in the Master Policy and the Evidence(s) of Insurance issued by the Master Policy are defined below. Other words and phrases may be defined elsewhere in the Master Policy or Evidence(s) of Insurance issued by the Master Policy, which would include where they are first used.
Accident: A sudden, unintentional and Unexpected occurrence caused by external, visible means and resulting in physical Injury to the Participating Member.
AIDS: Acquired Immune Deficiency Syndrome, as the term is defined by the United States Centers for Disease Control and Prevention.
Amateur Athletics: An amateur or other non-professional sporting, recreational or athletic activity that is organized, sponsored and/or sanctioned, and/or involves regular or scheduled practices, games and/or competitions. This definition does not include athletic activities that are non-contact and engaged in by the Participating Member solely for recreational, entertainment or fitness purposes.
Application: The fully answered and signed individual or Family Application/Enrollment form submitted by or on behalf of the Participating Member for acceptance into, Extension of coverage under or reinstatement in this insurance plan, which, by this reference, shall be incorporated in and become a part of the Master Policy and/or Evidence of Insurance. Any insurance agent/broker assigned to or assisting with the Application is the representative of the applicant/Participating Member and is not an agent or representative for or on behalf of the Scheme Administrator, Underwriters, and/or the Master Policyholder.
ARC Syndrome: AIDS related complex, as that term defined by the United States Centers for Disease Control and Prevention.
Beneficiary: The person(s), executers, or administrators entitled to receive payment of Benefits.
Canada: A federated country in North America made up of ten (10) provinces and three (3) territories.
Coinsurance: The payment by or obligations of the Participating Member for payment of Eligible Medical Expenses at the percentage specified in the Schedule of Benefits/Limits contained herein and exclusive of the Deductible.
Coverage Period: The period beginning on the Effective Date of Coverage of the Evidence of Insurance and ending on the earliest of the following dates: (i) the termination date specified in the Declaration, or (ii) the termination date as determined in accordance with Section 15 above. The Coverage Period of Insurance can be no less than five (5) days and no more than three-hundred-sixty-four (364) days.
Covered Transplant: A transplant involving the heart, heart/lung, lung, kidney, kidney/pancreas, liver, and allogenic or autologous bone marrow.
Custodial Care: Those types of care or services, wherever furnished and by whatever name called, that are designed primarily to assist an individual.
Death: Complete and irreversible cessation of life.
Deductible: The dollar amount of Eligible Medical Expenses specified on the Proof of Insurance, that the Participating Member must pay per Period of Insurance prior to receiving Benefits under this insurance, and exclusive of Coinsurance.
Dental Treatment: Treatment or supplies relating to the care, maintenance, or repair of teeth, gums, or bones supporting the teeth, which would include dentures and preparation for dentures.
Dependent Child; Children: A Participating Member who is less than eighteen (18) years of age at the time of Application and shares the Participating Members r home for at least half the year (if divorced, the Dependent Child may live with former spouse); and must not provide more than one-half of his/her own support (scholarships excluded); or must be less than twenty-four (24) years of age at the time of Application, and a full-time student and claim the Participating Members r residence as his/her official residence while away at school; and must not provide more than one-half of his/her own support (scholarships excluded); and must be the Participating Members r biological, step or legally adopted.
Disabled: A person who has a congenital or acquired mental or physical defect that interferes with normal functioning of the body, system or the ability to be self-sufficient. Durable Medical Equipment (DME): Durable Medical Equipment consists of a standard basic Hospital bed and/or a standard basic wheelchair.
Educational Care: Care for restoration (by education or training) of a person's ability to function in a normal or near-normal manner following an Illness or Injury. This type of care includes, but is not limited to, vocational or occupational therapy, and speech therapy.
Effective Date or Effective Date of Coverage: The date coverage for the Participating Member begins under the Terms of the Master Policy and the Evidence of Insurance, as indicated on the Proof of Insurance Letter.
Eligible Medical Expenses: Expenses for Injuries, Illnesses and cost incurred by a Participating Member in which all Terms, Conditions and Limits of the Evidence of Insurance have been met in full. Eligible Medical Expenses will not be determined until the Scheme Administrator has received and reviewed the Complete Proof of Claim. Eligible Medical Expenses are subject the Limits, Deductibles and Coinsurance set forth on the Participating Members Declaration, Schedule of Benefits and Evidence of Insurance.
Emergency: A medical condition manifesting itself by acute signs or symptoms that could reasonably result in placing the Participating Member's life or limb in danger if medical attention is not provided within twenty-four (24-) hours.
EST: US Eastern Standard Time.
Evidence of Insurance: The document issued by the Master Policyholder to the Participating Member, which describes and provides an outline and evidence of eligible coverages and Benefits payable to or for the benefit of the Participating Member under the Master Policy, and which includes the Participating Member's Application and any Riders attached thereto. Expenses Incurred: Expenses rendered by a Participating Member that have or may not yet have been paid by the responsible parties.
Experimental: Any Treatment that includes completely new, untested drugs, procedures or services, or the use of which is for a purpose other than the use for which they have previously been approved; new drug procedure or service combinations; and alternative therapies that are not generally accepted standards of current medical practice.
Extended Care Facility: An institution, or a distinct part of an institution, that is licensed as a Hospital, Extended Care Facility or rehabilitation facility by the state or country in which it operates; is regularly engaged in providing twenty-four (24-) hour skilled nursing care under the regular supervision of a Physician and the direct supervision of a Registered Nurse; maintains a daily record on each patient; provides each patient with a planned program of observation prescribed by a Physician; provides each patient with active Treatment of an Illness or Injury. Extended Care Facility does not include a facility primarily for rest, the aged, Substance Abuse, Custodial Care, nursing care, or for care of Mental or Nervous Disorders or the mentally incompetent.
Family: A Participating Member and his/her Spouse (see definition of Spouse) who is covered as a Participating Member under this insurance plan and his/her Dependent Child(ren) (see definition of Dependent Child; Children) who are under the age of eighteen (18) and covered as Participating Members under this insurance plan.
HIV Positive: Laboratory evidence defined by the United States Centers for Disease Control and Prevention as being positive for Human Immunodeficiency Virus infection.
Home Country: The country of which the Participating Member is a citizen, national or maintains his/her residence or usual place of abode; or the country of which the Participating Member is the possessor of a validly issued passport. US citizens always have the US as their Home Country regardless of where they are.
Home Health Care Agency: A public or private agency or one of its subdivisions, which operates pursuant to law; and is regularly engaged in providing Home Nursing Care under the supervision of a Registered Nurse; and maintains a daily record on each patient; and provides each patient with a planned program of observation and Treatment prescribed by a Physician.
Home Nursing Care: Services, provided by a Home Health Care Agency and supervised by a Registered Nurse, that are directed toward the personal care of a patient, provided always that such care is in lieu of Medically Necessary Inpatient care.
Hospice: An institution that operates as a Hospice; is licensed by the state or country in which it operates; and operates primarily for the reception, care and palliative control of pain for terminally ill persons who have, as certified by a Physician, a life expectancy of not more than one-hundred-eighty (180) days.
Hospital: An institution that operates as a Hospital pursuant to law; is licensed by the state or country in which it operates; operates primarily for the reception, care, and Treatment of sick or injured persons as Inpatients; provides twenty-four(24)hour nursing service by Registered Nurses on duty or call; has a staff of one or more Physicians available at all times; provides organized facilities and equipment for diagnosis and Treatment of acute medical, surgical or mental/nervous conditions on its premises; and is not primarily a long-term care facility, Extended Care Facility, Nursing, rest, Custodial Care, or convalescent home, a place for the aged, drug addicts, alcoholics or runaways; or similar establishment. Hospitalization or Hospitalized: Confined and/or treated in a Hospital as an Inpatient.
Illness: A sickness, disorder, illness, pathology, abnormality, ailment, disease or any other medical, physical or health condition. Illness does not include learning disabilities, or attitudinal or disciplinary problems.
Initial Effective Date: The date the Participating Member first obtains coverage under the Beacon/Axis Series Family of Insurance plans and maintains continuous unbroken coverage thereafter.
Injury: Bodily Injury resulting from an Accident.
Inpatient: A person who is an overnight resident patient of a Hospital, using and being charged for room and board.
Intensive Care Unit: A Cardiac Care Unit or other unit or area of a Hospital that meets the required standards of the Joint Commission on Accreditation of Healthcare Organizations for Special Care Units.
Investigational: Treatment that includes drugs, procedures or services that are still in the clinical stages of evaluation and not yet released for distribution by the US Food and Drug Administration.
Loss of Limb: Definite diagnosis of the complete severance of one or more limbs at or above the wrist or ankle joint as the result of an accident.
Loss of Sight: Loss means entire and irrecoverable loss of sight in one or both eyes as the result of an accident.
Master Policyholder: The Beacon/Axis Series Group Insurance Trust (Anguilla).
Maximum Limit: The cumulative total dollar amount of benefit payments and/or reimbursements available to a Participating Member under this insurance during the Participating Member's period of coverage. When the Maximum Limit is reached, no further Benefits, reimbursements or payments will be available under this insurance.
Medically Necessary; Medical Necessity: A Treatment or supply that is necessary and appropriate for the diagnosis or Treatment of an Illness or Injury based on generally accepted standards of current medical practice as determined by the Scheme Administrator. By way of example but not limitation, a Treatment or supply will not be considered Medically Necessary or a Medical Necessity if it is provided or obtained only as a convenience to the Participating Member or his/her provider; and/or if it is not necessary or appropriate for the Participating Member's Treatment, diagnosis or symptoms; and/or if it exceeds (in scope, duration or intensity) that level of care that is needed to provide safe, adequate, and appropriate diagnosis or Treatment.
Medical Research: Research conducted to aid and supports the body of knowledge in the field of medicine. Medical research can be divided into two general categories: the evaluation of new treatments for both safety and efficacy in what are termed clinical trials, and all other research that contributes to the development of new treatments. The latter is termed preclinical research if its goal is specifically to elaborate knowledge for the development of new therapeutic strategies.
Mental or Nervous Disorders: A mental, nervous or emotional Illness that generally denotes an Illness of the brain with predominant behavioral symptoms; or an Illness of the mind or personality, evidenced by abnormal behavior; or an Illness or disorder of conduct evidenced by socially deviant behavior. Mental or Nervous Disorders include, without limitation, psychosis; depression; schizophrenia; bipolar affective disorder; and those psychiatric Illnesses listed in the current edition of the Diagnostic and Statistical Manual for Mental Disorders of the American Psychiatric Association. Mental or Nervous Disorder does not include learning disabilities, or attitudinal or disciplinary problems. For purposes of this insurance, Mental or Nervous Disorder does not include Substance Abuse.
Mortal Remains: The bodily remains or ashes of a Participating Member.
Newborn: An infant from the moment of birth through the first thirty-one (31) days.
Outpatient: A person who receives Medically Necessary Treatment by a Physician or other healthcare provider that does not require an overnight stay in a Hospital.
Participating Member: The person(s) named as the Participating Member(s) on the Proof of Insurance.
Participating Organization: A business, society or association that has purchased medical coverage for a group of individuals.
Period of Insurance: The period beginning on the Effective Date of Coverage of the Evidence of Insurance and ending on the earliest of the following dates: (i) the termination date specified in the Declaration, or (ii) the termination date as determined in accordance with Section 15 above. The Period of Insurance can be no more than three-hundred-sixty-four (364) days.
Physician: A duly licensed practitioner of the medical arts. A Physician must be currently licensed by the state or country in which the services are provided, and the services must be within the scope of that license.
Pre-Certification; Pre-Certify: A general determination of Medical Necessity, made in reliance and based upon the completeness and accuracy of the information provided at the time thereof. Pre-Certification is not an assurance, authorization, verification of coverage, verification of Benefits or guarantee of payment. See Section 24 above, for further details.
Pre-existing Condition: Any Illness, Injury or Mental or Nervous Disorder that, with reasonable medical certainty, existed on or at any time prior to the Initial Effective Date of this insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the Application or on any Claim Form or otherwise, which would include any chronic, subsequent or recurring complications, or consequences associated therewith or arising or resulting therefrom.
Premium: The Premium payments required to effectuate and maintain the Participating Member's insurance coverage and Benefits under this insurance, in the amounts and at the times established by the Scheme Administrator in its sole discretion from time to time.
Pregnancy; Pregnant: The process of growth and development within a woman's reproductive organs of a new individual from the time of conception through the phases where the embryo grows and the fetus develops to birth.
Principal Sum: The benefit based upon the attained age of the Participating Member and is a Sub-Limit (see Sub-Limit definition) of the policy maximum.
Professional Athletics: A sport activity, which would include practice, preparation and actual sporting events, for any individual or organized team that is a member of a recognized professional sports organization, is directly supported or sponsored by a professional team or professional sports organization, is a member of a playing league that is directly supported or sponsored by a professional team or professional sports organization; or has any athlete receiving for his or her participation, any kind of payment or compensation, directly or indirectly, from a professional team or professional sports organization.
Proof of Insurance: The Proof of Insurance issued by the Scheme Administrator to the Participating Member contemporaneously with the Evidence of Insurance (and/or upon extension hereof) evidencing the Participating Member's insurance coverage under the Master Policy as evidenced by the Evidence of Insurance, which Proof of Insurance shall be incorporated in and become a part of the Master Policy. The Proof of Insurance serves as a descriptive document highlighting the coverage limits, Deductible(s), coverage dates, optional Riders, and the name of Participating Member for all Evidence of Insurance issued by the Scheme Administrator on behalf of the Master Policyholder and Underwriters.
Rare Conditions/Defect: Conditions/defects which affect a small number of people compared to the general population and, because they are rare, can present challenges with regards to diagnosis, Treatment, and prevention. A condition/defect is considered to be rare when it affects 1 person in 2,000 or fewer.
Registered Nurse: A graduate nurse who has been registered or licensed to practice by a State Board of Nurse Examiners or other state authority, and who is legally entitled to place the letters "R.N." after his or her name.
Rehabilitative Care: Care for restoration (by education or training) of a person's ability to function in a normal or near normal manner following an Illness or Injury. This type of care includes, but is not limited to, vocational or occupational therapy, and speech therapy.
Relative: A parent, guardian, spouse, son, daughter or immediate Family member of the Participating Member.
Rider: Any exhibit, schedule, attachment, amendment, endorsement or other document attached to, issued in connection with, or otherwise expressly made a part of or applicable to, the Master Policy, the Evidence of Insurance, or the Application, as the case may be.
Routine Physical Exam: Examination of the physical body by a Physician for preventative or informative purposes only, and not for the Treatment of any Illness or Injury.
Scheme Administrator: The Scheme Administrator, as referred to herein; Azimuth Risk Solutions, acts solely as the disclosed and authorized agent and representative for and on behalf of the Master Policyholder and Underwriters, and has and shall have no direct, indirect, joint, several, separate, individual, or independent liability or obligation of any kind under the Master Policy or the Evidence of Insurance to the Participating Member or to any other person or entity. Azimuth Risk Solutions, is located at 1 North Pennsylvania Street Suite 200 Indianapolis, Indiana 46204, USA. Telephone Number: 317-644- 6291 or 888-201-8050, Fax Number: 317-423-9620 or 888-201-8851, Website: www.azimuthrisk.com, Email: email@example.com.
Sports Diving: Recreational underwater diving activities requiring the use of underwater or artificial breathing apparatus, and carried out in strict accordance with the guidelines, codes of good practice and recommendations for safe diving practices as laid out by an Authoritative Diving Body.
Spouse: Wife/husband or domestic partner living at the same address and sharing financial responsibilities but not including business partners or associates.
Sub-Limits: Extra limitations in an insurance policy's coverage of certain losses. They are part of the Maximum Limit (see Maximum Limit definition). That is, they do not provide extra coverage, but set a maximum to cover a specific loss. Sub-Limits may be expressed as a dollar amount or a percentage of the coverage available.
Substance Abuse: Alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency. Sudden Onset of a Pre-existing Condition: An Unexpected outbreak or recurrence of a Pre-existing Condition, that occurs Unexpectedly and without advance warning, either in the form of Physician recommendation or symptoms that have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected occurrence of pain.
Surgery/Surgical Procedure: An invasive diagnostic or Treatment for Illness or Injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia.
Terms: Terms, provisions, conditions, definitions, limits, Sub-Limits, limitations, wordings, restrictions, qualifications and/or exclusions.
Terrorism: An act, which would include, but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes, which would include the intention to influence any government and/or to put the public, or any section of the public, in fear.
Third-party Liability: Third-party liability insurance coverage is the portion of an insurance policy that covers loss to others caused by the Participating Member during the Coverage Period, whether it is personal Injury or property damage. Subject to the Terms, Conditions and Limits set for in Section 34.
Treatment: Any and all services and procedures rendered in the management and/or care of a patient for the purpose of identifying, diagnosing, treating, curing, preventing, controlling and/or combating any Illness or Injury, which would include, without limitation, verbal or written advice, consultation, examination, discussion, diagnostic testing or evaluation of any kind, pharmacotherapy or other medication, and/or Surgery.
Unexpected: Sudden, unintentional, not expected and unforeseen.
US: The United States of America and or any of its territories.
Usual, Reasonable and Customary: The most common charge for similar services, medicines or supplies within the area in which the charge is incurred, so long as those charges are reasonable. The Scheme Administrator reserves the right to determine, in the reasonable exercise of its discretion, whether charges are Usual, Reasonable and Customary. In determining whether a charge is Usual, Reasonable and Customary, the Scheme Administrator may consider one or more of the following factors, without limitation: the level of skill, extent of training, and experience required to perform the procedure or service; the length of time required to perform the procedure or service as compared to the length of time required to perform other similar services; the severity or nature of the Illness or Injury being treated; the amount charged for the same or comparable services, medicines or supplies in the locality; the amount charged for the same or comparable services, medicines or supplies in other parts of the country; the cost to the provider of providing the service, medicine or supply; and such other factors as the Scheme Administrator, in the reasonable exercise of its discretion, determines are appropriate.
31 EXCLUSIONS — All charges, costs Expenses Incurred by the Participating Member and directly or relating to or arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, claims, treatment (which would include diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Scheme Administrator shall provide no Benefits and shall have no liability therefor:
31.1 War; Military Action — The Scheme Administrator shall not be liable for and will not provide
31.1.1 War, invasion, act of foreign enemy hostilities, warlike operations (whether war be
31.1.2 Mutiny, riot, strike, military or popular uprising, insurrection, rebellion, revolution,
31.1.3 Any act of any person acting on behalf of or in connection with any organization with
31.2 Pre-Existing Conditions — Any Illness, Injury, Mental or Nervous Disorder, sickness, disease, coverage or Benefits for any claim or Charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any of the following acts or events (collectively, "Occurrences"): declared or not) or civil war; or military or usurped power; or activities directed toward the overthrow by force of the government de jure or de facto or to the influencing of it by violence of any type; martial law or state of siege, or any events or causes that determine the proclamation or maintenance of martial law or state of siege; or physical, or any other condition or ailment for which medical advice, diagnosis, care, or treatment (which would include but not limited to receiving services and supplies, consultations, diagnostic tests, or prescription medications) was recommended or received during the 730 days immediately preceding the Effective Date of the Evidence of Insurance or Effective Date of the insurance; any condition that manifested itself (whether known or unknown) in such a manner that would cause a reasonably prudent person to seek medical attention, treatment, advice, diagnosis, or care that with reasonable medical certainty, existed at the time of Application or within the 730 days immediately preceding the Effective Date of the Evidence of Insurance or Effective Date of Insurance. For the purposes of the Complications of Pregnancy coverage offered herein, Pregnancy will not be included within the definition of a Pre-existing Condition; and
31.3 Maternity — Charges related to or incurred for Pregnancy; and
31.3.1 Routine pre-natal care, child birth, and post-natal care; and
31.3.2 False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy,
31.4 Charges Incurred For Surgeries, Treatment Or Supplies That Are:
31.4.1 Investigational, Experimental, or for Medical Research purposes; and
31.4.2 Charges for any Participating Member under the age of fourteen (14) days; and
31.4.3 Any treatment for or related to any congenital condition; and
31.4.4 Any charges that are not incurred by a Participating Member during his/her Coverage
31.4.5 Charges that are not submitted within the timely filing limits; and
31.4.6 Treatment, services or supplies that are not Medically Necessary related to genetic which would include Newborn Care; and Period; and medicine or genetic testing, which would include, without limitation, amniocentesis, genetic screening, risk assessment, prevention and/or to determine pre-disposition, genetic counseling, and/or gene therapy; and
31.4.7 Any immunizations/vaccinations, Routine Physical or gynecology exams; and
31.5 Charges Incurred While Confined While Confined Primarily To Custodial Care, Educational, Or Rehabilitative Care; and
31.6 Charges Incurred For Any Surgery, Treatment, Or Supplies Relating To, Arising From Or In Connection With, For, Or As A Result Of:
31.6.1 Weight modification or any Inpatient, Outpatient, Surgical or other treatment of obesity (which would include, without limitation, morbid obesity), which would include, without limitation, wiring of the teeth and all forms of bariatric Surgery by whatever name called, or reversal thereof, which would include, without limitation, intestinal bypass, gastric bypass, gastric banding, vertical banded gastroplasty, biliopancreatic diversion, duodenal switch, or stomach reduction or stapling; and/or
31.6.2 Modification of the physical body in order to change or improve or attempt to change or improve the physical appearance or psychological, mental or emotional well-being of the Participating Member (such as but not limited to sex-change Surgery or Surgery relating to sexual performance or enhancement thereof); and/or
31.6.3 Cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery that was covered under this insurance; and/or
31.6.4 Medical Expenses Incurred for Injury or Illness resulting from Amateur Athletics, Contact Sports, intercollegiate, interscholastic, intramural, and club sports or athletic activities and Professional Sports which would include practice; mountaineering at elevations of 7,000 meters or higher, avalanche training, rock climbing, and caving; aviation (except when traveling solely as a passenger in a commercial aircraft), and hot air ballooning as a pilot; base-jumping, hang-gliding, parachuting, paragliding, parasailing, kite-surfing, sky surfing, bungee jumping, absailing, and zip lining; heli- skiing, snow skiing, or snowboarding, recreational downhill and/or cross country snow skiing or snowboarding, bobsleigh, skeleton or luge, and ice climbing; sub aqua pursuits involving underwater breathing apparatus unless PADI/NAUI certified, or accompanied by a certified instructor at depths of less than 10 meters; white water rafting, spelunking or cave diving, surfing, body boarding, waterskiing, wakeboarding, windsurfing, knee boarding, kayaking, and jet skiing; off-road motorized vehicles which would include all-terrain vehicles, snowmobiles, motorized dirt bikes, and tractors; racing by any animal, skateboarding, BMX biking, mountain biking, and speed trials and speedway; any type of boxing or martial arts, powerlifting, and wrestling; big game hunting, wild safaris, running with the bulls, and horseback riding; Aussie rules football, jousting, modern pentathlon, and quad biking outdoor endurance events.
31.6.5 Any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor, or contrary to the rules, recommendations and procedures of a recognized governing body for the sport or activity; and/or
31.6.6 Any Illness or Injury sustained while participating in any activity where such activity is undertaken against medical advice; and/or
31.6.7 Any Injury or Illness sustained after the consumption of intoxicating liquor or drugs. Which would include Illness or Injuries sustained while operating a moving vehicle after consumption of intoxicating liquor or drugs, other than Prescription drugs taken in accordance with Treatment prescribed and directed by a Physician. For purposes of this exclusion, "vehicle" shall include both motorized devices for which a driver or operator license is required which would include watercraft, aircraft and non-motorized bicycles and scooters for which no permit or license is required; and/or
31.6.8 Any willfully self-inflicted Injury or Illness; and/or
31.6.9 Any venereal disease; and/or
31.6.10 Treatment by a chiropractor; and/or
31.6.11 Treatment of a Mental Health Disorder; and/or
31.6.12 Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, and hypertrophic and atrophic conditions of skin; and/or
31.6.13 Telephone consultations or failure to keep a scheduled appointment; and/or
31.6.14 Any testing for the for: HIV, seropositivity to the AIDS virus, AIDS-related Illnesses, ARC
31.6.15 Any Illness or Injury resulting from or occurring during the commission of a violation of Syndrome and AIDS; and/or law by the Participating Member, which would include, without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations; and/or 31.6.16 Any Substance Abuse; and/or
31.6.17 Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or
31.6.18 Orthoptics, visual therapy or visual eye training; and
31.6.19 Psychometric, behavioral and Educational testing; and
31.6.20 The Zika Virus or complications there of; and music therapy; and/or
31.7 The Feet, Which Would Include, Without Limitation:
31.7.1 Orthopedic shoes, prescribed orthopedic devices to be attached to or placed in shoes; and/or
31.7.2 Treatment of weak, strained, flat, unstable or unbalanced feet; and/or
31.7.3 Metatarsalgia, bone spurs, hammertoes or bunions; and
31.7.4 Any treatment or supplies for corns, calluses or toenails provided, however, that claims for treatment or supplies for the feet may be eligible for coverage under this insurance at the sole option of the company and subject to all other Terms of this insurance when related to:
18.104.22.168 An Injury to the foot arising from an Accident covered hereunder; or
220.127.116.11 An Illness for which foot Surgery is Medically Necessary and determined to be the only appropriate method of treatment; and
31.8 Hair Loss, Which Would Include, Without Limitation:
31.8.1 Which would include without limitation, wigs; and/or
31.8.2 Hair transplants; and/or
31.8.3 Any drug that promises to promote hair growth, whether or not prescribed by a Physician; and
31.9 Any Sleep Disorders; and
31.10 Any Exercise Programs — Whether or not prescribed or recommended by a Physician; and
31.11 Nuclear or Atomic Radiation — Any exposure to any medical or non-medical radioactive
material(s); and
31.12 Any Artificial or Mechanical Devices — designed to replace human organs temporarily or
permanently; and
31.13 Fertility/Infertility — Charges incurred for any treatment or supply that either promotes,
prevents or attempts to promote or prevent conception; which would include, but not limited,
31.13.1 Artificial insemination; and
31.13.2 Oral contraceptives; and
31.13.3 Treatment for infertility or impotency; and
31.13.4 Vasectomy or reversal of vasectomy; and
31.13.5 Sterilization or reversal of sterilization; and
31.14 Sexual Dysfunction — Charges incurred for any treatment or supply that either promotes,
enhances or corrects, or attempts to promote, enhance or correct impotency or sexual
dysfunction; and
31.15 Dental Treatment — Except for Emergency Dental Treatment necessary to repair or replace
sound natural teeth lost or damaged in an Accident covered hereunder or as necessary
treatment of sudden, Unexpected pain to sound natural teeth, and subject to the limits set forth
in the Schedule of Benefits/Limits;
31.15.1 Routine or general dental care; and
31.15.2 Charges incurred for treatment of the temporomandibular joint; and
31.16 Vision — Charges incurred but not limited to;
31.16.1 For eyeglasses or contact lenses; and/or
31.16.2 Charges for any treatment, supply, examination or fitting related to these devices; and
31.16.3 Eye refraction for any reason; and
31.16.4 Eye Surgery, included, but not limited to, radial keratotomy, when the primary purpose is to correct or attempt to correct nearsightedness, farsightedness or astigmatism; and
31.16.5 Charges for Treatment of cataracts or glaucoma
31.17 Hearing — Hearing aids, hearing implants and charges for any Treatment, supply, examination or fitting related to these devices; and
31.18 Newborn Care — Charges incurred by the Participating Member for the treatment of his/her Newborns (or for supplies related thereto); and
31.19 Accommodations — Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance; and
31.20 Taxes and Other Miscellaneous Fees — Any taxes, assessments, charges, fees or surcharges imposed by any governmental agency or authority:
31.20.1 Arising out of or as a result of any treatment or supplies received by the Participating Member; or
31.20.2 Based upon the Company's election hereunder, if any, to pay Benefits directly to providers; or
31.20.3 For any other reason; and
31.21 Non-Prescription/Over-The-Counter Medication — Charges or Expenses Incurred for non- prescription drugs, medicines, vitamins, food extracts, or nutritional supplements; IV vitamin or herbal therapy; drugs or medicines not approved by the US Food and Drug Administration or which are considered " off-label" drug use and for drugs or medicines not prescribed by a Physician; and
31.22 Transplants:
31.22.1 Any organ, tissue or other transplant or related services, treatment or supplies, except for Covered Transplants as defined herein and covered pursuant to the Terms of this insurance; and/or
31.22.2 Any artificial, non-human organs, or mechanical devices designed to replace human organs temporarily or permanently; and/or
31.22.3 Any efforts to keep a donor alive for a transplant procedure, whether or not the transplant procedure is a Covered Transplant; and
31.23 Disease Outbreak — Diagnosis, testing or treatment of Injury or Illness resulting from a disease outbreak in a country or location for which the United States Center for Disease Control and Prevention (CDC) has issued a Warning Level 3 if;
31.23.1 The warning has been in effect within one-hundred and eighty (180) days immediately prior to the Participating Member(s) date of arrival; and
31.23.2 Within ten (10) days following the date the warning is issued the Participating Member(s) has failed to depart the country or location; and
31.24 Against Medical Advice — Any Charges and or services related to Inpatient, Outpatient or Emergency room services in which the Participating Member chooses not to comply with recommended treatment and or where the Participating Member terminates such services, or leaves the facility against medical advice (AMA).
31.25 Rare Condition/Defect — Any claim, Charges, Illness, Injury or other consequence happening or arising during the existence of Rare Conditions/Defect (whether physical or otherwise), whether or not directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed and considered to be consequences for which the Scheme Administrator shall not be liable under the Evidence of Insurance , except to the extent that the Participating Member shall prove that such claim, Charges, Illness, Injury or other consequence happened independently of the existence of such Rare Conditions/Defect.


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Hellooooo, goodnight Forum~
I'm looking for an MMO that gives a Zelda like feel. The sense of open world, discovery and player interaction (the mmo feel). Here are some conditions:
- It can be either 2D or 3D.
- Browser or Client.
- Must be F2P.
- Must not be Spiral Knights.
- Community has to be of moderate size.
- Also I'm a huge fan of old school mmorpgs.
- I played lots of The 4th coming
- I love games like Lionheart, Planescape Torment and Septerra Core. So mmos with that kind of feeling are definitely welcome.
So yea hit me with some suggestions. I know there are a lot of browser mmos that I haven't heard of ~

subset: commoncrawl


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White House Blows a Great Opportunity and Makes a Busload of Schoolchildren Cry
posted at 11:17 am on May 22, 2009 by Jimmie Bise, Jr
I really wish I was making up that post title, but I'm not. That's exactly what happened this morning.
Thursday was supposed to be the highlight of the year for more than 100 kindergarteners from Stafford County, Va. They got up early and took a chartered bus to the White House for a school field trip. But when they arrived, all the 5-year-olds got was a lesson in disappointment.
The buses from Conway Elementary arrived at 1600 Pennsylvania Avenue a little later than planned, and they were locked out.
"We were going to the White House, but we couldn't get in so I felt sad," 5-year-old Cameron Stine said.
Parents say they were just 10 minutes late for their scheduled tour. School officials say White House staff said they needed to get ready for the president's event with the Super Bowl champion Pittsburgh Steelers, so they couldn't come in.
"I was angry cause they were disappointed," parent and chaperone Paty Stine said.
The White House explained itself thusly: "A spokesperson said the group was actually supposed to be there at 9:30, but they held the gates for the group until 10:30, 15 minutes longer than they told the group, but when they still hadn't arrived, they had to draw the line."
That has to be the worst explanation I've ever seen. Heck, it's not so much an explanation as a pushback. It would have been an easy matter for the spokesman to say that there had been some confusion between the staff and the school about the time of the tour and, due to the tour's late arrival due to unforseen circumstances, the tour had to be cancelled because of another prearranged event.
What you would never want to do in that situation is call the parents and chaperones a bunch of liars, but that's exactly what the White House did. This admininstration has the inerring instinct for treating the average American like a mud-pounding peasant and it only gets worse if that hapless American should do anything to make the President look like anything but the glittering paragon of Presidential studliness we're told he is. This time, though, it could blow up in the President's face. As Moe Lane points out, no politician will ever win an argument against a bus load of crying schoolchildren.
Moe also has some suggestions for how the President should take charge of this and make it right. I couldn't agree with him more. I'm a football fan, but there's no way in the world that a bunch of millionaires who could have been feted anytime in the past four months couldn't have been pushed back an hour. What, they're going to gripe that they had to give way to a bunch of kids? I bet if the White House had asked them, they would have been more than happy to shake a few little kids' hands while they were there, don't you?
Better yet, why not make a great photo op out of it? The President actually put the Steelers to work filling care packages for our soldiers in Afghanistan and that other place he barely recognizes exists these days. How much do you want to bet that some of those little kids have parents who are over there right now? The White House missed a golden opportunity for the kind of press that doesn't come around every day. Imagine the videos on the cable news channels tonight — the Friday of Memorial Day weekend for goodness sake! — of the president surrounded by the Super Bowl Champions and a bunch of smiling happy schoolchildren waving American flags over the care packages they helped put together for their mommies and daddies oveseas?
But no. The kids went home crying and the White House couldn't do any more than issue a haughty statement attacking their school.
I can't help but wonder what the heck Rahm Emanuel was doing this morning while his staff was turning away a kindergarten class and calling their parents and teachers a bunch of liars. A competent Chief of Staff would have been able to fix things to everyone's satisfaction. As I've pointed out before, though, Emanuel has been letting the President down very badly.
Oh, and as an obligatory note about media bias, let me all that had happened a year ago, you know the all-day topic on CNN and MS-NBC would be "The President Who Made Children Cry". My guess is that you won't hear much about this story outside of the local DC media outlets or a few blogs.
(cross-posted at The Sundries Shack)


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Photo: Jillian Tree Photography
When picking out desserts for your dessert table, consider the season ripe with fresh produce from May to late September. Here are five mouthwatering ways to serve them:
1. Mixed Berries Chiffon Cake – From strawberries, raspberries, blueberries, blackberries and cherries, they all have one thing in common — they're rich in antioxidants.
2. Homemade Peach Cobbler – In order to select the perfect Georgia peaches for your pies, look for firmness and a lack of blemishes (wrinkles or bruising). You'll know they're ripe by the smell alone.
3. Raspberry Lemon Cupcakes – Ask your baker to add a splash of citrusy lemon to the cupcake batter. It just might boost your guests' electrolytes to keep them dancing all night long.
4. Ice Cream – As long as you can keep it frozen, your guests will love feeling refreshed after eating this ice "cream" cold treat. Provide toppings such as: crushed oreos or pistachios, rainbow sprinkles and shredded coconut. Don't forget the syrups!
5. Banana Pudding – Spice up traditional vanilla pudding with layers of wafers and sliced bananas in a glass shooter.
Visit our dessert display photo gallery for more inspiration. Did we miss anything? Share in the comments below what you're displaying!


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Texas RioGrande Legal Aid - El Paso
Who We Are
General legal services provider for 68 Southwest Texas counties, and for migrant farm workers in Texas, Louisiana, Arkansas, Mississippi, Alabama, Tennessee and Kentucky. Mission Statement: To promote the dignity, self-sufficiency, safety and stability of low-income Texans by providing high quality civil legal assistance and related educational services.
General Contact Information
- Address
Texas RioGrande Legal Aid - El Paso
1331 Texas Avenue (map)El Paso, TX 79901
- Phone
- 915-585-5100
- Toll Free
- 800-369-2792
- Fax
- 915-544-3789
- Website
- http://www.trla.org


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Georgia football stole most of the headlines this year for both good and bad reasons. After a myriad of off-the-field issues kept the team in the news during the offseason, the Bulldogs battled their way to a second consecutive SEC East title on the field. Without any further ado, here is Dawg Post's month-by-month breakdown of the year-that-was for Georgia.
Most Notable: Georgia football celebrated the New Year in Tampa at the Outback Bowl, where the Bulldogs suffered a devastating 33-30 loss in triple overtime to Michigan State. The Bulldogs ended their 2011 season with a 10-4 record and an SEC East title.
Other Headlines: Just days after the Outback Bowl loss, five-star running back Keith Marshall, a headliner of the Bulldogs 2012 recruiting class, enrolled early, allowing him to workout during spring practice. On Jan. 11, tight end Orson Charles decided to forego his senior season to enter the NFL draft, but safety Bacarri Rambo, along with fellow draft-eligible underclassmen Shawn Williams, Cornelius Washington, Branden Smith and Jarvis Jones, elected to return for the 2012 season. On Jan. 21, cornerback Sanders Commings was arrested on charges of domestic violence and simple battery.
Quotable: "Everybody will be back" – Shawn Williams, in response to underclassmen returning for the 2012 season.
Most Notable: Despite limited scholarships, Georgia signed one of the top football recruiting classes in the country on February 1. Among Georgia's 19 signees, the Bulldogs signed four 5-star prospects according to Fox Sports NEXT. A record 13 of the 17 members that made it to campus played in the season opener against Buffalo, including Todd Gurley, Keith Marshall, Jordan Jenkins, John Theus, Marshall Morgan, Collin Barber, Mark Beard and Josh Harvey-Clemons—all key contributors to the 2012 season.
Other Headlines: After a 3-10 start in SEC play, the Georgia men's basketball team broke a three-game losing streak with a 76-62 upset over No. 12 Florida on February 25. Mark Richt dismissed cornerbacks Nick Marshall and Chris Sanders and wide receiver Sanford Seay for violating team rules on Feb. 3. Richt also announced Sanders Commings would be suspended for the first two games of the 2012 season following his January arrest.
Quotable: "These guys are special backs" – Mark Richt, about Marshall and Gurley on signing day.
Most Notable: On March 28, Dawg Post broke the news that safety Bacarri Rambo and linebacker Alec Ogletree would be suspended for the beginning of the 2012 season for a violation of team rules.
Other Headlines: Cornerback Branden Smith was arrested and charged with possession of marijuana on March 11. Sophomore Malcolm Mitchell moved from wide receiver to cornerback to offset the losses in Georgia's depleted secondary. Later that month, backup tailback Carlton Thomas announced his decision to transfer. Kentavious Caldwell Pope led the men's basketball team defeated Mississippi State 71-61 in the first round of the SEC tournament, but lost to Vanderbilt 63-41 in the quarterfinals. The Bulldogs of the hardcourt finished 15-17 overall, and Caldwell-Pope was named to the SEC's All-Freshman team.
Quotable: "Some kids had (pot brownies) that were staying with him and he said he got high. He thought the things had marijuana in them. He sat there a couple of hours and didn't know what to do. He said if he turned himself in he'd get a four-game suspension for a second offense." – Bacarri Rambo's high school head coach Alan Ingram, when explaining to the Athens Banner-Herald that Rambo had tested positive in a school-administered drug test.
Most Notable: Georgia grad Bubba Watson pulled off a miracle finish in a sudden death playoff to win the 2012 Masters Tournament in Augusta. Watson's first major victory had the state and its flagship university abuzz for weeks.
Other Headlines: Seven former Bulldogs were selected in the 2012 NFL Draft in late April. Guard Cordy Glenn was the first selected, when the Bills took him in the second round. Center Ben Jones (Houston Texans), tight end Orson Charles (Cincinnati Bengals) and cornerback Brandon Boykin (Philadelphia Eagles) were selected in the fourth round. Kicker Blair Walsh (Minnesota Vikings) was picked in the fifth round, and Justin Anderson (Indianapolis Colts) and DeAngelo Tyson (Baltimore Ravens) were taken in the seventh round.
Quotable: "To all my fans, you got to say, 'Go Dogs.'" – an emotional Bubba Watson after winning the Masters on April 8.
Most Notable: UGA President Michael Adams announced he would retire after the 2012-2013 school year. Adams, who served as chairman of the NCAA executive committee, has been actively involved in Georgia's athletic department during his tenure. Adams showed beloved athletic director Vince Dooley the door in 2003, handpicked Dooley's predecessor Damon Evans and played a big role in the hiring—and subsequent firing—of former men's basketball coach Jim Harrick.
Other Headlines: Serving as the host site and the No. 2 national seed, the Georgia men's tennis team fell 4-3 to Pepperdine in the Elite 8. Georgia also hosted the women's tournament, and the women's team lost 4-2 to Duke in the Elite 8. Georgia's baseball team completed their only series sweep of a conference opponent when the Bulldogs beat Auburn in three games at home at the beginning of May. Two weeks later, Auburn handed the Bulldogs a second loss in the double-elimination SEC tournament, ending the Bulldogs' season with a 31-26 record. Georgia's softball team saw its season come to an end in the Super Regionals when the Bulldogs dropped two of three games at Tennessee. Gymnastics coach Jay Clark was forced to submit his resignation on May 4, and Danna Durante was hired to coach the Gym Dogs on May 23. Ohio State and Georgia cancelled football matchups between the schools that were planned for the 2020 and 2021 seasons. Outside linebacker Chase Vasser was arrested for DUI in Atlanta, though news of his arrest and subsequent two game suspension did not surface until August.
Quotable: "I do believe it is time for a change. And I look forward to the Bulldog nation uniting under new leadership in the near future." – Vince Dooley on Michael Adam's retirement announcement.
Most Notable: On June 29, Georgia's leading tailback in 2011, Isaiah Crowell was arrested after police found a pistol under the driver seat of Crowell's car during a search at a roadblock on East Campus Road in Athens. Crowell was charged with carrying a concealed weapon, possessing a weapon in a school zone and carrying a gun with an altered ID mark, and by the time he was released from jail, Mark Richt had dismissed the Columbus native. Crowell, the crowned jewel of the 2011 "Dream Team" recruiting class, was expected to start at the tailback position in 2012, but the SEC Freshman of the Year in 2011 soon transferred to Alabama State.
Other Headlines: After six months of discussion, head football coach Mark Richt received a contract extension that would make him the head coach through December 2016 and no longer required Richt to pay Georgia anything if he chose to leave before then. Athletic director Greg McGarity also got a pay raise and a two-year extension to keep him at Georgia through 2017. On June 8, Georgia announced defensive coordinator Todd Grantham also received a raise ($75,000), extension (through 2014) and new title (associate head coach). On June 5, the Atlanta Braves selected Georgia pitcher Alex Wood in the second round of the MLB draft. Georgia's top baseball signee, Byron Buxton of Appling County, was selected second overall by the Minnesota Twins. Georgia fired women's golf coach Kelley Hester and hired Southern Cal assistant Josh Brewer.
Quotable: "Things happen." – Isaiah Crowell told Dawg Post upon his release from jail.
Most Notable: With America's attention focused on the 2012 summer Olympics in London, Georgia's Allison Schmitt became the first Bulldog swimmer to win an individual gold medal. Schmitt won two gold medals as part of the American relay team, one of which included fellow Georgia swimmer Shannon Vreeland, and Schmitt also won a silver and bronze medal in London. In total, 26 athletes, one coach and one administrator with ties to the University of Georgia participated in the London games.
Other Headlines: A week after quitting the team, redshirt sophomore linebacker Brandon Burrows was granted a reinstatement on July 9. After notifying Penn State of "intent to contact" 19 players after the NCAA ruled players in the PSU program could transfer, Georgia revoked its stance and elected not to pursue any Nittany Lions. Officials dropped the charges against Georgia basketball player Donte Williams, who was arrested and charged with misdemeanor marijuana possession in Atlanta in May.
Quotable: "She told me she wanted a medal of every color. She's got them now." – Georgia swimming and diving coach Jack Baurle on Allison Schmitt's Olympic success.
Most Notable: Georgia entered the 2012 football season with high expectations. The Bulldogs ranked No. 6 in both the initial USA Today Coaches Poll and the preseason AP Poll.
Other Headlines: Seven walk-on football players, including fullback Merritt Hall, safety Connor Norman and tailback Brandon Harton, were awarded scholarships. Branden Smith was cleared to play Georgia's opener after Smith passed two drug test immediately following his arrest on March 11. Baseball player Kyle Carter, one of Georgia's top new arrivals in 2012, was arrested and charged with simple assault and having a weapon in a school zone after using a baseball bat to threaten a female unknown to him in his dorm room. Georgia's Athletic Association revised its drug testing policy for the first time in more than three and a half years, though changes were minor and largely focused on the confidentiality of the tests.
Quotable: "I don't really want to say too much, but when I saw that (No.) 3 running down there today, I was like `That's going to be a Trent Richardson.' He's big and fast." – Safety Shawn Williams when discussing Todd Gurley after a preseason scrimmage.
Most Notable: The Georgia football team cruised through its first five games, including three conference victories (at Missouri, vs. Vanderbilt and vs. Tennessee). Linebacker Jarvis Jones welcomed Missouri to the SEC with a Heisman-like performance, and Todd Gurley (SEC freshman of the week after Buffalo) and Keith Marshall ran wild in the first month of the season.
Other Headlines: Mark Richt remained coy throughout on Bacarri Rambo and Alec Ogletree's suspensions, but the two defensive stalwarts sat for Georgia's first four games and returned against Tennessee. In their absence—among others—Georgia's heralded defense struggled in the first month, allowing an average of 22 points per game in the stretch against Buffalo, Mizzou, Florida Atlantic, Vandy and Tennessee. On Sept. 7, former Georgia women's basketball player Katrina McClain was inducted into the Naismith Memorial Basketball Hall of Fame.
Quotable: "He may be the best defensive player in America." – Mark Richt on Jarvis Jones after Jones's performance against Missouri.
Most Notable: No. 5 Georgia was upended by No. 6 South Carolina in an embarrassingly lopsided 35-7 loss on Oct. 6, but by the end of the month, Georgia's 17-9 win over #2 Florida had the Bulldogs back in the SEC East driver's seat.
Other Headlines: Georgia's leading wide receiver Michael Bennett was lost for the season prior to the South Carolina game after suffering a torn ACL in practice. Georgia quarterback Aaron Murray's house was vandalized following the loss to South Carolina. Murray received SEC offensive player of the week honors following his performance at Kentucky. Defensive end Abry Jones suffered an ankle injury against Kentucky that ended his regular season. Prior to the Florida game, safety Shawn Williams called out his defensive teammates for being "soft" and playing without emotions. Early in October, the Georgia basketball team began practicing.
Quotable: "We're playing too soft as a defense... It gets frustrating because I'm sitting here and I'm giving all I got and I feel like I've got some guys that are not. I feel we've got some guys that are in a whole different place." – Shawn Williams regarding Georgia's defense on the Monday before the Florida game.
Most Notable: Georgia dismantled Auburn 38-0 as the defense pitched its first shutout of the season. The win gave Georgia its second consecutive SEC East championship and ensured the Bulldogs a spot in the SEC title game in December.
Other Headlines: Georgia won the state championship with a sweep over Georgia Southern (45-14) and Georgia Tech (42-10). By the time the Bulldogs met the Yellow Jackets, Georgia had moved up to No. 3 in the polls, meaning an SEC championship victory would lock up a spot in the BCS national title game. Bacarri Rambo tied Jake Scott's school record when he notched his 16th career interception at Auburn. Georgia men's basketball won its season opener against Jacksonville, but the Bulldogs of the hardcourt then dropped four straight—the first two losses much more embarrassing than the next two. First, Mark Fox's crew lost to Youngstown St. and Southern Miss at home, and then the Bulldogs lost to top-ranked Indiana and UCLA in Brooklyn, N.Y. Georgia signed point guard J.J. Frazier and shooting guard Juwan Parker on Nov. 13. On Nov. 20, Georgia women's basketball coach Andy Landers became only the eighth head coach in basketball history – men's or women's – to record 800 wins at one Division I institution after a 94-57 victory over Savannah State.
Quotable: "This is what everybody has been dreaming of. This is what everybody came back for. This is our main goal, to get to Miami and win." – Senior safety Bacarri Rambo on Georgia's chance to play in the national championship with a win in the SEC title game.
Most Notable: No. 3 Georgia dropped a 32-28 heartbreaker in the Georgia Dome to No. 2 Alabama, sending the Crimson Tide to the BCS National Championship game and Georgia to the Capital One Bowl to face a reeling Nebraska squad. The Bulldogs and Tide swapped the lead four times in the second half alone, and when quarterback Aaron Murray's pass was deflected only to land in Chris Conley's hands as he slipped to the ground four yards short of the endzone, time expired on the Bulldogs and their national championship hopes.
Other Headlines: The SEC Championship game was the most watched college football game of the 2012 season. Jarvis Jones was named SEC defensive player of the year and received a number of other postseason accolades, including All-SEC and All-America recognition. The men's basketball team continued its abysmal start to the 2012 season by dropping a 62-54 decision at Georgia Tech and losing an 81-78 overtime thriller to Iona. After freshman baseball player Kyle Parker was arrested a second time, Parker left the team and planned to transfer. Georgia women's basketball climbed to No. 6 in the country with an undefeated start.
Quotable: "If anybody thinks our guys didn't play their tail off and Aaron Murray didn't play his tail off, they are crazy." A fiercely emotional Mark Richt following Georgia's 32-28 loss in the SEC Championship game.


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I'm thinking about getting a surplus 8mm Mauser and was wondering if theres anything specific that I should look for, or stay away from. Local Gun show tomorrow, which I know will be overpriced, but the wife and I are going after work.
She needs a new 9mm semi auto DA/SA with rail. I was going to get her a Baby Eagle Series 2 Polymer semi-compact, but I can't find one anywhere. Not even on GB. Figured maybe theres a slim chance that we'll find one at the Fun Show, or at least something else that she likes as much as the Baby Eagle.
I'm also looking for a Ruger 10/22 or Marlin Model 60 .22LR. I loved the Marlin when I was younger, and the Model 60 was my first rifle ever. I've owned a few over the years, but I haven't had one since the late 90's. Time for another. Everyone keeps telling me to get the Ruger though, because of the aftermarket support. I guess it will come down to if I find a decent deal on one or the other.
Sorry, I'm kind of rambling. Any advice on the Mauser would be appreciated. Thanks in advance!


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As the new school year begins, there are some key lessons that children should learn before even beginning their first class. Parents are an integral part of a total safety program for children who travel by school bus. If your children ride the bus, here are some things you can do to help keep them safe.
Remind your children that to be good bus riders, they should:


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Amid continuing chaos in Gaza, Hamas has agreed to cede control over border crossing in Gaza. Hamas Prime Minister Ismail Haniyeh spoke as thousands of Gazans crossed over into Egypt following destruction of the wall by gunmen. They were seeking to purchase goods made scarce by the Israel blockade. Haniyeh called for "an urgent speecy meeing" in Egypt that could result in opening border crossings "on the basis of national participation." This apparently means Hamas would work with the Palestinian Authority. President Abbas of the PA denounced the Hamas statement and insists Hamas return all control over Gaza to his authority.
Hamas has come to the realization they have created mass chaos in the Gaza area by acting with arrogance in their dealings not merely with the Palestinian Authority but with Israel. Hamas can cede control of border crossings to Egypt or the PA or whoever, but until they take control and halt Kassam rockets from hitting Israel, the situation will remain onerous for the people of Gaza. Syria is attempting to persuade the UN Security Council to denounce Israel for its actions in Gaza and, most probably, the US will veto the resolution. Perhaps, it is time for a UN force to enter Gaza and ensure an end to rocket attacks as well as assume control of border crossings.


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Discussion in 'December 2007' started by Dlev59, Nov 30, 2007.
Grrrrrr Max hungry. Max eat ball.
Only 8 turnovers for us. 7 blocks to 2 in our favor. We out shot them by 11%. We out rebounded them on the offensive and defensive glass. And our highlights (Maxiell) were awesome. The only bad stat was Amir Johnson with 5 fouls in 10 minutes. Since he was enforcing the paint and usually fouling somebody else's man, no big deal.
I believe AJ is getting frustrated about playing time and is starting to get the "If I am only a garbage time player; I'll play like one" attitude.
It was really a 9 man rotation in this game. Flip Jr., Nazr, and Amir only got minutes once it reached garbage time.
Nice picture, Warthog. What section were you sitting in?
I was reading a NJ Nets board and came accross this gem... That is hilarious. It's easy to take what Maxiell did for granted, since we see him every game. But if you are an opposing fan who doesn't really hear about him much, it would be extremely frustrating to watch him do that to your team.
DD, this is a real concern that you bring up. AJ could be headed for Darko-like status with the fans cheering to see him in garbage time. This is a road the Pistons should avoid. It demoralized Darko (although I still think he should have had a better attitude) and I wouldn't want to see the same happen to Amir. 'Course, Darko was drafted No. 2 overall.
^ Somebody mentioned his body language so i watched closely and yep IMO he looks like he doesnt care anymore.
Amir may have been getting frustrated by his 5 fouls in 10 minutes. It would have been embarrasing to foul out of a game playing in only 4th quarter garbage time minutes. Amir was certainly not given any benefit of the doubt on a couple of those foul calls.
Anyone notice how the improvement has coincided with all five of our starters being healthy and starting as a unit. I thought an interesting comment about Maxey was that because of his aggressiveness he does a lot better coming off of the bench because: 1. Officials tend to call games tighter at the beginning and therefore Maxey tends to get into foul trouble when he starts as opposed to when he comes in off of the bench. 2. His aggressiveness coming off of the bench tends to up the energy level of the starters still on the court when he comes in.
Nice dental work.
I can buy that. By the way, Dyess has been awesome. As a general rule, I could care less who starts and who comes off the bench. Minutes played are more interesting. As long as Maxiell gets his minutes, coming off the bench is fine with me.
I'll go along with that!! By the way, Dyess has a chance to be this year's Miki Moore Dyess' FG percentage so far is 60.4%. Got to love those jump shooters, who can shoot. Of course I wouldn't mind a few dunks from our bigs like the "Dunkin Dwight". 82 for the season before last night. Second is the league was someone, I can't recall who, with 34!!. Maybe Maxey can claim the 2nd spot this year in dunks. Detroit Pistons - Statistics - NBA - Yahoo! Sports
According to the Sam Smith article linked in another thread, second place for dunks so far this season is your boy Andrew Bynum.
Thanks for reminding me. I forgot about that. They did mention that last night on the game. I wish he was playing for us rather than Nazmo.
That'be a good and fair trade - Nazr and Flip for Bynum.
Young, athletic bigs do not grow on trees. Yet, ironically, they wither on the pine.
Could be. In order for him to get the benefit of the doubt though, he'd actually have to start playing during the actual game. Unfortuanately, i don't see that happening anytime soon.
I didn't see this game, but when I have seen Amir, he doesn't seem to have a lot of court sense away from the ball. I think he's still pretty raw.
So you think that Dunkin Dwight will wither on the pine. Interesting.
Separate names with a comma.


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Corq for AndroidView
From start time to ticket info get all of the details you need to know about your next adventure.
Corq will bring you right to the door of an event whether it's a bike ride, road trip, or across the country.
Get your friends involved by posting events that you are excited about to your favorite social media site.


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Bookmark this site
WASHINGTON -- The National Automatic Merchandising Association is finalizing plans for Advocacy in Action, its second public policy conference in Washington, DC. The mission of the conference, taking place Oct. 7-9, is to deliver the association's message on key policy issues and to emphasize that NAMA's mission of serving as the primary resource for federal policymakers regarding the vending industry.
NAMA board members and other industry leaders will meet with members of Congress representing districts where they live and work. Discussions with lawmakers will focus on health and nutrition, electronic payments, coin and currency design, and the effects of federal regulatory expansion.
Tentative meetings include discussions related to healthy choices in vending and micromarkets with the Food and Drug Administration and Department of Agriculture, and office coffee service-focused talks with the Environmental Protection Agency and the Department of Energy. Discussions related to Fit Pick and "healthy" vending choices will also take place with the General Services Administration and the Department of Defense.


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Wayne Law charity Ambulance Chase 5K planned Sept. 26
DETROIT -- Lace up your shoes and get ready for the 28th annual Ambulance Chase Charity Run/Walk at 6 p.m. Thursday, Sept. 26, at Wayne State University Law School.
The event, sponsored by the Wayne Law Student Bar Association Board of Governors, helps support that group and also benefits Cass Community Social Services, a Detroit charity helping those in need. Participants (typically about 250) actually chase an ambulance, poking fun at the stereotype of the ambulance-chasing lawyer.
The course — three laps around the campus, roughly 5 kilometers or 2.2 miles — is run entirely on sidewalks starting at the law school, 471 W. Palmer St. The cost of the event is $25, which includes a T-shirt and a post-race barbecue dinner.
Register online at go.wayne.edu/ambulancechase.
Race headquarters will be inside the law school's main entrance at the Spencer M. Partrich Auditorium, where participants can check in starting at 4 p.m. on race day and pick up their packets.
Race day registrants are not guaranteed T-shirts.
For those who opt to run instead of walk, finish times will be recorded and posted immediately after the race by Everal Race Management.
For more details, contact Kathy Fox at (313) 577-8038 or firstname.lastname@example.com.


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4. Get Ready!
UExcel® Practice Exams
Practice exams give you a "feel for the road" before taking an exam for credit. Here are some of the reasons it makes sense to practice:
- Sample the types of questions used on the credit-bearing exam.
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- Gain valuable feedback by reviewing the rationales for practice test answers.
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We offer pairs of online practice exams for many of our credit-bearing exams. You may register for practice exams after you have registered for the corresponding credit-bearing exam. Choose from practice exams in nursing, arts and sciences, business, and education. No refunds or switches are provided for practice exams.
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- After you register and pay for a practice exam you have 180 days to complete the set of two practice exams and review the results online. Your test results and remaining time can be found when you log in to MyExcelsior to check your exam status and scores.
- We highly recommend that you take the first form of the practice exam as a pretest, early in your study period. Use the results to identify areas for further study and carry out a plan. Then take your second form as a post test and see how much you have improved.
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Yep, I am at it again. A few of us here in tally are going to be putting together Rebel Fleet Troopers, most of them are going as a group for D-con and Im not 100% sure yet about going. All I know is that Im putting together my own suit...however, with the understanding that me and my buddy make ourselves each, our own HH-15 rocket launchers.
My older Xbox bit the dust along time ago and I dont have a 360 YET, so I would just need to get a few side profile screen shots if at all possible. We would really appreciate any help. Thanks!
(*sigh*...my first suit will be a rebel rofl)


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Python is a programming language with a vibrant community known for its simplicity, code readability, and expressiveness. The massive selection of third party libraries make it suitable for a wide range of applications. This also allows programmers to express concepts in fewer lines of code than would be possible in similar languages. The availability of high quality numerically-focused tools has made Python an excellent choice for high performance computing. The speed of applications comes down to how well the code is written. Poorly written code means poorly performing applications, which means unsatisfied customers.
This book is an example-oriented guide to the techniques used to dramatically improve the performance of your Python programs. It will teach optimization techniques by using pure python tricks, high performance libraries, and the python-C integration. The book will also include a section on how to write and run parallel code.
This book will teach you how to take any program and make it run much faster. You will learn state-of the art techniques by applying them to practical examples. This book will also guide you through different profiling tools which will help you identify performance issues in your program. You will learn how to speed up your numerical code using NumPy and Cython. The book will also introduce you to parallel programming so you can take advantage of modern multi-core processors.
This is the perfect guide to help you achieve the best possible performance in your Python applications.
An exciting, easy-to-follow guide illustrating the techniques to boost the performance of Python code, and their applications with plenty of hands-on examples.
If you are a programmer who likes the power and simplicity of Python and would like to use this language for performance-critical applications, this book is ideal for you. All that is required is a basic knowledge of the Python programming language. The book will cover basic and advanced topics so will be great for you whether you are a new or a seasoned Python developer.
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(1 of 2 customers found this review helpful)
Nice book
By Jwackito
from La Plata, AR
About Me Developer, Educator
Comments about oreilly Python High Performance Programming:
Some examples didn't work and need a fix. But the insights about the tool are priceless.
Bottom Line Yes, I would recommend this to a friend
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(0 of 3 customers found this review helpful)
A real time save!
By hummer010
from Alberta, Canada
About Me Developer
This book has some great tips and tricks on improving the performance of your python code. Some of this will be known to advanced python programmers. For others, this is an invaluable book.
(14 of 14 customers found this review helpful)
Great initiation to HPC in Python
By Matt
from South East Asia
About Me Developer, Hpc Engineer, Maker
I have been designing HPC software for more than 10 years, building applications in Fortran/C/C++ that I have the privilege to see run on supercomputers listed in the top 10 of the Top500. I don't expect Python to blast any of the languages above anytime soon for production environment.Nonetheless...I have also been advocating Python for prototyping (i.e. the "make it run" and "make it right" parts of HPC development mentioned in the book) for the last 3 years. I bought the book out of curiosity, with a clear interest in the last section dedicated to Parallel Processing, but also, given the price, expecting nothing more than a kind of shopping list of available libraries.I have to say that I underestimated the work of the author. I ended up reading the whole book thoroughly. It's extremely well written, shares the best practices for what I consider is at the heart of HPC: memory, calling C when required (and only then), concurrent access and schema (e.g. master/slave). For each of the above, the book shares the tools, key concepts and best practices. HPC is full of young talented programmers who think they'll be able to work like cowboys or rock-stars. I didn't expect the book to show so brilliantly that it's quite the opposite: it focuses on method and self-control.I only have two wishes for a future release:Get more tips/tools to debug heavily parallel programs, which usually is a pain in the neck. Let's go "print()" or not ? :)Get more complex and more "pythonic" examples. I would personally have loved an example of computation of a min() or max() over an iterator built out of product(), combinations() and permutations(). The volume of questions about that very subject in popular programming forums show that it's not always as straightforward as with range().As a conclusion, yes, I would absolutely recommend the book to anyone willing to get started with building/prototyping HPC applications in Python. It shares very valuable insight and practices.
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The Freedman's Savings and Trust Company was incorporated by an act of Congress on March 3, 1865, as a banking institution for the benefit of freed slaves. These CD-ROMs contain the signatures of and personal identification data about depositors in 29 branch offices of the Company between 1865-74. Information may include the account number, name of depositor, date of entry, place born, place brought up, residence, age, complexion, name of employer or occupation, wife or husband, children, father, mother, brothers and sisters, remarks, and signature or mark. The early books sometimes also contain the name of the former master or mistress and the name of the plantation. In many entries not all the requested data are given. Copies of death certificates have been pinned to some of the entries. In these cases, the certificate has been filmed immediately after the page that shows the registration of the person's signature. This database is also available online from HeritageQuest.
This CD-ROM contains similar information to the Heritage Quest set above, but without the actual document images. It is indexed and searchable, and may be used in conjunction with the Heritage Quest set to locate the digital image of the actual record.


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Just out of curiosity, just what soldiers of current generation (what were their "jobs') did you ask about the M14?
There were a lot of issues with the M16A1s in Vietnam, apparently corrosive ammunition, lack of cleaning kits, and the environment of the jungle aren't a good combination.
As to the M16A2 and M4 variants, yes you have to clean them in order to keep them running, but typically once every couple of days was enough, and when I say kept clean, I'm not talking detail strip clean, but a good once over with a rod and brush. That of course varies with use and conditions etc.
The sand gets everywhere. I still find sand in some stuff I still have from '03.
I have no issue with the M16A2 / M4 variants, I think that the new generation of piston driven uppers is a step in the right direction, but thus far they are reportedly not operating at huge enough percentage above the direct impingement guns to warrant fielding a new service rifle, but I'd wager that we see a swap of upper halves at the very least in the next 10-15 years. Possibly a new rifle given current trends.
The Marines have accepted a piston driven AR variant as the new Infantry Automatic Rifle (IAR), the spec-ops community likes the SCAR-H (Scar 17S) and HK416 which are all piston driven, so while I'd say that a change is in the wind, it's not necessarily due to the M16A2/A4 or M4 variants being POS', but rather just an evolutionary step forward with improved tech.
Both the arguments for and against the rifle (Direct impingement ARs) are valid, but the arguments are so multifaceted that there really is not a good answer.
There's the reliability factor:But without the actual numbers and more data on the "sand storm" test, that could just be fluff, if we're talking 4 jams to 12 jams over the course of 1K rounds after being subjected to a no BS sand storm....how realistic of a test is that?The M4/M16 family is both praised and criticized for its current performance in the field. In recent years, the M4 finished dead last in a sandstorm reliability test, against 3 competitors that include a convertible M4 variant. Worse, the 4th place M4 had over 3.5x more jams than the 3rd place finisher. Was that a blip in M4 buys, or a breaking point? DID explains the effort, the issues, and the options, as the Army moves forward with an "Individual Carbine" competition. But will it actually replace the M4?
Then you have the caliber debate, the 5.56 NATO vs. the 6.8 RemSpc vs the 7.62X51 (.308) NATO...
A lot of people think we need a better suited caliber for putting folks down, but a lot of people think the 5.56 is just fine...
Given the current political mess in what it takes to get anything done (just look up the JCP project) it will take a lot to get us a new service rifle. Maybe now that actions in the Middle East have tapered down we will have more resources available to do some serious looking at the current service rifles, do some studies, review more after action reports and more importantly have some $$$ to spend of whatever administration is in office allows it.


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|Topic Review (Newest First)
|I know a lot of trainers recommend it for training treats! You can buy a big bag for $29.99 and it should last through the 8 weeks of training class. Love it!
|My dogs love that stuff. I buy the kind in the roll, and mix it in with their kibble sometimes. Sage will ALWAYS eat it. I've thought about getting the small pieces in the bag to train with. Glad to know it works!
I use both. the ones I cut and the ones already in pieces. love it. too much salt but decent ingredients and convenient
and yes, I do freeze it once opened or once cut up. and then don't even thaw all the way, it thaws as we stay out but he likes it frozen too. this is a step up from red barn rolls. more expensive but better stuff
No, this formula is cut into perfect treat size, but is actually a balanced, complete meal. So I am not feeding treats, just feeding it as treats. And yes, it kept the boy on his A-Game for the whole class.
Yeah, the 7 days thing, but I can't see why I can't freeze it. It stays good in the sealed bag until December if refrigerated. So I am guessing some for of vacuum packing? Well, I went ahead and froze some. If it does something freaky, I can probably spend 11 bucks a week for training treats, but I will use it for more than the little bugger.
I might have misunderstood...I bought the slice and serve and cut it up into little pieces to use as treats.
I've never actually used their treats.
I can't use it up in seven days, so our little foodie girl Cowdog will gladly make anything left disappear!
When I first gave it to Hans during training, I thought he was gonna knock me down to get it, lol.
Talk about high value treats!
|They sell this stuff at Wally World??? I'm outta here! I will definitely buy that there. I have to go up and buy a hose. Mine burst today and ran my well dry. Whatever. I have to check out our WalMart and see if they have this there.
Thanks for the info on the treats. I have occasionally purchased their slice and serve to supplement the kibble at mealtimes. It is 5 star on dog food advisor. I am assuming the treats would be highly rated as well. Kibble as training treats doesn't do much to keep Indie's interest. I will give these a try. Wondering if they are even cheaper at wally world - that's where I buy the slice and serve.
Sent from Petguide.com Free App
Hans goes absolutely crazy over it and it does appear to have decent ingredients.
This has taken the place of dried beef liver treats he used to love.
I invested in a little treat pouch that you can wipe out.
It's kind of nice, to reach in my pocket and NOT come up with a bunch of liver treats I forgot and left in there.
Especially, if I am in line to pay for something and they are expecting money.
Training treats? Freshpet vital grain free complete Meals
Well, I took the boy, Moofie, to PetsMart for another puppy bath and brush prior to class today. And then spent the time they were working on him blowing my wad (not hard to do).
Anyway, I picked up a package of Blue training treats, and while the ingredients weren't thrilling, it was 4 ounces for something like 5.99, I was going to try it.
Then I got to this refrigerator in the middle of the store. I checked the treats, but then, I looked at the complete meal. The treats were longer and larger and the Chicken, Beef, Salmon & Egg recipe looked just the right size and much better in ingredients. $11.49 for a 1.75 pound bag. Geeze.
But then, I thought, it's a lot more stuff than that little container of Blue. I put that back.
The ingredients are as follows:
Chicken, Chicken Liver, Beef, Salmon, Eggs, Cranberries, Spinach, Peas, Vitamins and Minerals ( Calcium Sulfate, Dicalcium Phosphate, Potassium Chloride, Iron Proteinate, Choline Chloride, Zinc Proteinate, Tricalcium Phosphate, Vitamin E Supplement, Manganese Proteinate, Copper Proteinate, Vitamin B12 Supplement, Niacin, Calcium Pantothenate, Biotin, Riboflavin, Thiamine Mononitrate, Vitamin D3 Supplement, Calcium Iodate, Pyridoxin Hydrochloride, Folic Acid, Sodium Selenite), Natural Flavors, Salt, Vinegar, Carrageenan, Inulin, Beta-Carotene, Dried Ground Pomegranate, Dried Ground Broccoli.
Protein 17% min, Crude fat 9% min, Crude Fiber 1% max, Moisture 65%.
We make all Freshpet Vital recipes in the Freshpet kitchens in Bethlehem, PA, using locally sourced ingredients.
80% Chicken, Chicken Liver, Beef, Salmon & Egg
10% Fruits and Vegetables.
0% grains and potatoes.
Complete and Balanced for all life stages.
It says to finish the contents within 7 days of opening.
Ok. Well, I would LOVE to feed this stuff for regular food but $11.49/day, x the number of dogs I have, that would be crazy expensive, but for training treats?
So 4.99 or 5.99 for 4 ounces of the Blue. Hmmm. So I decided to find something that was a little closer in size to this, and checked out a pretty large bag of Pupperoni. $11.99 for 710 grams. This stuff is $11.49 for 794 grams.
Ok, I'm cheating. After class I took the bag home, and filled sandwich baggies and froze it. So I could use it for the remainder of this class.
The stuff smells wonderful. I bought a little treat bag so it wouldn't be fouling my pocket. I had some trouble with that, but, whatever. Moofie LOVES it. And no sugar or maple syrup or artificial sweeteners to make it more appealing.
I guess I will no longer buy any pupperoni. I will buy this stuff, even if I have to use the bag in a week. You have to keep it in the fridge but that isn't a deal stopper for me. I mean, I don't let treats hang out in my pocket all day.
It's just neat that it is a treat Made and sourced in the US, that doesn't cost more than the Pupperoni. But it isn't called a treat of course. It is called a complete meal.
If you are looking for a good training treat, try this stuff.
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text: ok, so I've seen seekers video on RnB and I've had experience with my old sintra armor. Now I upgraded to fiberglass and started to buff some pieces this weekend and its been driving me INSANE! any nifty tips on how to buff my gaunts? they look harder to buff due to grooves and curves against a easy shoulder or thigh piece. any RnB advice in general? stuff is gunna be the death of me.


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Product Description
America's favorite canine hero can be found in this collection of movie serials from the Golden Age of Cinema. You'll marvel at the exploits of Rinty in these four classic serials from the 1930's as our hero saves the day with the aid of such co-stars as Kane Richmond, Frankie Darro, Bob Custer and Rex, King of the Wild Horses! Cliff-hanging thrills and nail-biting excitement can be found in this set of movie serials that have entertained generations of viewers, young and old alike!
Bonus: An original documentary about the several dogs that turned the name Rin Tin Tin into a true Hollywood franchise!
System Requirements
Format: DVD Run Time: 15 hr 4 min Rating: TV-G Region Code: Region 0


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Campus living doesn't end when walking out of the residence halls. It continues to grow through lifelong friendships formed by taking advantage of the unique experiences available across campus. Being active in campus life enables you to adjust quickly to college and living on your own for the first time, as well as helps you make good choices and establish a solid foundation here and in life after graduation.
- Child Care Center — provides day care and preschool services for children of BU students, faculty, staff, alumni and community children eligible for child center services.
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