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Editor's note: These remarks were delivered to the BITS Conference, in Washington, D.C., on June 15, 2005. BITS is a nonprofit financial service industry consortium.
Good morning. It's a pleasure to be here. I appreciate the opportunity to discuss payments issues with a group that's at the forefront of technological innovation for the financial services industry. I've spent some time reflecting on how to add value to a forum with the theme "The Road Ahead," and in that spirit, I will make three main points:
First, although providers of payments services—including the Fed—face many challenges, the overall state of the U.S. payments system is excellent, and the economic benefits derived from the system are enormous.
Second, the positive state of the payments system largely reflects market forces, not government planning or intervention.
Third, given the current state of the payments system, the role of markets in achieving this outcome and the limitations on a central body to address perceived problems, the Federal Reserve should be quite careful before intervening in these markets.
I am, of course, speaking only for myself and not for others in the Federal Reserve.
Overall state of payments
I have been chair of Federal Reserve's Financial Services Policy Committee (FSPC) for two years now, and at times this has been a challenging responsibility. Consider where we in the Federal Reserve have had to focus our efforts over these years:
- Emphasizing efficiency and keeping prices for electronic services low while offering improved quality as demanded by customers;
- Planning the "next generation" of our electronic services in the midst of major changes in demand and in the technology of supply; and
- Reducing our infrastructure for the processing of checks at a time when massive cost cutting by itself is insufficient to recover costs.
Of course, this brief list ignores the myriad of specific projects and initiatives covering a host of payments activities, but it is intended to provide a high-level sense of priorities. I should note as well our ongoing improvements in resiliency and in the security of our systems, related both to the continued implications of the post-9/11 world and to offering payments in an Internet environment.
The effort to downsize our infrastructure is particularly daunting at times. We recognized belatedly that check volumes began a pronounced and sustained decline sometime in the second half of the 1990s, leaving us with excess processing capacity and a significant financial shortfall relative to our objective. I suspect some other providers find themselves in similar circumstances.
But it would be a serious mistake, in my view, to confuse the challenges that providers face with a true assessment of the state of payments. As an economist, I would be worried if providers of a service have what some call the "quiet life." That implies monopoly pricing, lack of innovation and other traits which may benefit providers but which are not good for consumers, nor, most likely, the economy.
In that vein, I sometimes think that those of us involved in payments on a daily basis lose sight of the forest for the trees—that is, we tend to focus excessively on challenges and fail to appreciate how efficient and effective the system really is. After all, the payments system supports our $11 trillion economy—it is truly the plumbing which facilitates the multitude of transactions our level of economic activity requires—and much of the time producers and households give the payments system virtually no thought whatsoever. Access, integrity and effectiveness are normally taken for granted, and that's all to the good.
I have the sense that I am not alone in taking this view. As part of my FSPC role, I attend conferences such as this where the state of payments is discussed, including the major meeting in October of 2003 here in D.C. sponsored by the Federal Reserve. While we all may have a "wish list" of desired improvements, a comprehensive assessment of discussions at these conferences reveals that from a public policy perspective the payments system does not appear to be facing serious, fundamental problems. It largely does what it is supposed to do and does it well, and it seems able to adapt effectively to the changing needs of end users.
Given this state of affairs, it is worth considering what has brought us to this favorable position. In my view, it is giving markets preeminence in determining the direction and evolution of the payments system.
Role of market forces
The smooth functioning of and range of choices available in our payments system are major accomplishments. While I think the Federal Reserve has played a constructive role in this outcome, we do not claim nor deserve the bulk of the credit—many institutions contribute to the effectiveness and efficiency of the U.S. payments system. Indeed, the credit should go to a system which has the flexibility to adjust to the desires of households. All the white papers in the world that called for an end to the paper check did not produce that outcome. Instead, it is occurring primarily in markets where the Federal Reserve has no role as a service provider (for example, credit and debit cards) and as households "spontaneously" change their behavior over time.
Taking this household-centric view may seem odd for a service provider that has to recover costs. But because we in the Federal Reserve wear two "hats"—participant and regulator—and because we are a public policy institution as distinct from a private sector provider, we have a special responsibility to view payments in the context of societal benefits and to promote the broad public interest.
A practical implication of this analysis and stance is a preference—from my perspective a very strong preference—to permit market forces to shape payments system developments insofar as possible. This preference is, after all, consistent with the general principles we follow throughout our economic affairs. There are certainly important roles for government to play in our economy, but when the overall trend is positive—as it is for payments—I don't believe there are significant gains from government responses to every deviation from that trend along the way. Uncertainty in the market during periods of transition and a sense of unsettledness among providers as transitions are worked through are not in themselves sufficient reasons for government responses to sort these issues out ahead of natural market processes. So what should be the role of the Fed?
Role of the Federal Reserve
I would expect that this audience would have natural sympathies for the market-oriented views I have expressed, given your experience and success in the private sector. And in that vein, you may wonder why I even need to bring these themes up. Well, because on occasion, some in the private sector seem to prefer that we in the Federal Reserve take a more definitive and aggressive approach, and specify with certainty (or as much certainty as possible) our future plans, for example, with regard to check offices, to business-to-business payments standards, to security and privacy issues and possibly even to interchange fees. So let me be a bit more specific about why I think complying with those requests in a way that would ostensibly reduce uncertainty would often be a bad idea.
First, we do not possess perfect foresight. I am aware of one head office building in the Federal Reserve designed in the late 1960s on the premise that the "checkless society" was just around the corner. It has turned out to be a very long corner indeed, and in the meantime this District had to operate in a building ill-equipped for high-volume check processing. Perhaps somewhat ironically, we were subsequently surprised that check volumes actually started to decline since our market intelligence did not pick up this reversal in trend until several years after the fact. Recently, we have witnessed lots of private sector innovation in converting paper to electronics and in expanding the range of electronic alternatives per se. It is possible that we underestimated the ability of computing and communications technologies to make electronics reliable, inexpensive and accessible, especially in an environment where end users are becoming increasingly familiar and comfortable with the technology.
The second, and more compelling, consideration suggesting a restrained role for the central bank in promoting payments system change is the clear and legitimate lack of consensus surrounding many important issues. This is, I think, evidence that market forces are still sorting out these matters. Consistent with my earlier observation, we generally want to leave resolution of competing processes and products to the market when we can. The hurdle confronting central bank innovation in payments presumably should be quite high, requiring either convincing evidence of market failure and/or the existence of barriers to progress which will not otherwise be addressed. Further, for those "improvement opportunities" which have been identified, it is only a bit of an exaggeration to say that, desirable though they may be, each payments system participant would prefer that others make the investment, bear the bulk of the costs, establish the new processes and work out whatever kinks arise.
The issue of standards-setting in payments provides an illustrative case in point. Numerous participants have asserted that a significant barrier to further expansion of electronic payments—take business-to-business payments, for example—is a lack of standards and therefore that a valuable role for the Federal Reserve would be to intercede to resolve the matter. This could be, but the literature on standards adoption does not overwhelmingly support the efficacy of government intervention. As my colleague Jim Lyon has pointed out: "The available research provides relatively little reason for confidence that a policymaker will be able to determine with certainty either the correct standard to endorse or the proper time to endorse it. Moreover, even if these issues could somehow be overcome, the proper choice may depend on the relative importance attached to the welfare of those who have already adopted one of the competing standards choices and those who have yet to do so. Further complicating the situation is the reality that some standards may remain such for only a relatively short period of time given the dynamic nature of technology." Thus, there would seem to be a considerable burden of proof on a central bank considering direct intervention to resolve conflicts over standards.
Another example of well-founded caution in my judgment is in the area of fees associated with retail payments. Those who pay the various fees associated with retail payments, whether they be retailers, banks or households, have in the past and sometimes in the current period called on government to regulate those fees because they are "too high" or, less frequently, "too low." But the government cannot go on "gut feeling" in these cases. We must rely on solid evidence that markets are failing, that current price setting is reducing benefits that should accrue to society and the like. In my experience, that evidence is often lacking, the issues are often more complex than immediately presented and it is far from obvious that government intervention will improve the situation.
Even in cases where markets do not operate perfectly, we must keep in mind the fact that there could be large costs to society when the government is too prescriptive and proceeds too far too quickly. These costs could manifest themselves in reduced innovation, higher costs for payments services and fewer effective payments alternatives than would otherwise develop and emerge if private sector participants are permitted to compete and the winners to flourish. We have to be exceedingly careful that central bank initiatives do not have a chilling effect on the private sector.
Does this mean the central bank must never act? No. But where there might be a role for the central bank, it is more likely to be in encouraging reliance on market forces by facilitating changes in the legal and regulatory infrastructure where it appears to inhibit innovation. Federal Reserve support of Check 21 legislation is an example of such an approach, although it is far too early to assess both the full ramifications of Check 21 and how rapidly and how far the move from paper to electronics will proceed over the next several years. We in the Federal Reserve are committed to this evolution, and clearly we are in the midst of reducing our check-processing infrastructure appreciably while maintaining service to a broad and diverse base of customers. Given current plans, we will have gone from 45 to 22 check-processing locations by the end of next year. I think this is a significant response to changing market conditions by any "standard."
Still, it is fascinating to contemplate what more may have to be done to achieve further electronification and to reduce our commitment to the "old technology." Will significant price changes and/or changes in processing windows and availability schedules be required and, if so, can these steps be justified on cost-benefit grounds? These questions are simply illustrative of issues we confront as the marketplace and technology continue to evolve.
Let me quickly summarize these remarks before inviting your comments, questions and objections. There is no doubt that payments system change continues apace. It is preferable from my perspective that such change be driven by market forces, and it appears that largely has been the case. Central bank intervention should be reserved for cases characterized by broad and compelling societal benefits.
At the same time we, like you, have a business to run, and in this regard there is no shortage of practical, on-the-ground challenges. I highlighted some facets of check processing this morning because they are illustrative of these challenges and of policy considerations as well. As the downsizing of our check infrastructure, the Check 21 legislation and implementation, and the ongoing substitution of electronics for paper demonstrate, there remain important questions about ultimate equilibrium in this segment of the business. And there are important policy matters for the Federal Reserve to determine: the scale of our long-run commitment to this business and the magnitude and rate of change consistent with society's preferences.


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'There Is No Such Thing as an Individual Mandate. It's a Tax.'
That's what Department of Justice attorney Joel McElvain said in open court last week. And thus the Obama administration reversed itself once again on whether the individual mandate is a tax.
Relatedly, a Clinton‐appointed federal judge has dealt a second blow to the IRS and the credibility of its defenders. He called one of the administration's arguments 'silly,' and promised expedited consideration of the Obamacare challenge, Halbig v. Sebelius. Read all about these in my latest Darwin's Fool post at Forbes.com.

subset: commoncrawl


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The diversions in the ensemble comedy "The Big Wedding" (that title flat enough for you?) are strictly actor-related, which is usually the case at the movies. For example, the way Diane Keaton selects an asparagus spear at a country club buffet while delivering some dutiful expositional something or other. Or the rumpled panache with which Robert De Niro, playing the Keaton character's ex-husband, adapts to a different sort of role than he's used to playing: that of the unreliable horndog trying to get by on charm.
The movie's own brand of charm has its subset of smarm. Part bedroom farce, part heart-tugging familial dysfunction, "The Big Wedding" was adapted by writer-director Justin Zackham from the 2006 French-Swiss co-production "Mon Frere se Marie."
In the original, a well-to-do Swiss couple's adopted Vietnamese son is readying a marriage. The son's birth mother, long out of the picture, travels to reunite with young Vinh for the wedding. Cultural differences and narrative circumstances require Vinh's adoptive parents, long divorced, to fake that they're still together.
Some aspects of the earlier film remain; others have been changed or added. In "The Big Wedding," De Niro's Philip Rothesque sculptor character is living with a caterer (Susan Sarandon), a longtime family friend. The adopted Colombian-born son, Alejandro (Ben Barnes), has two siblings, the now-grown children born to De Niro's character and Keaton's. The daughter (Katherine Heigl) has a secret, though the first sign of flulike symptoms gives it away; the son (Topher Grace), a 29-year-old virgin ready for love, takes one look at Alejandro's visiting birth sister (Ana Ayora) and thinks, well, it wouldn't quite be incestuous if … ; meanwhile, everyone's dithering over the quietly fearsome Catholic presence of Alejandro's mom.
This is an American movie trying, strenuously, to "swing" a little. The slapstick is broad and generally awkward. Five minutes into the picture, Keaton stumbles upon De Niro and Sarandon in a sex act in the kitchen, and it's like: Whoa. Have we met? Could we get another 10 minutes of setup, please? "Hyde Park on Hudson" made a similar mistake and never quite recovered.
What makes it passably entertaining is the interaction between the stars, usually when the pressure to "deliver" is off, and the banter sticks to a confidential key. Like "La Cage aux Folles," "The Big Wedding" preaches tolerance and understanding. It's too early to say if director Zackham has real talent, beyond that for assembling an impressive cast. The surest thing that can be said of "The Big Wedding" is that you've seen worse ensemble wedding comedies. But for the record: "Jumping the Broom" was a lot better.
'Big Wedding' -- 2 stars
MPAA rating: R (for language, sexual content and brief nudity)
Running time: 1:30
Opens: Friday


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I note with interest that the AP has now discovered that Te'O perpetuated the story of the girlfriend in two interviews after last Dec. 6, when he now says he discovered that young Ms. Kekua never existed:
An Associated Press review of news coverage found that the Heisman Trophy runner-up talked about his doomed love in a Web interview on Dec. 8 and again in a newspaper interview published Dec. 10. He and the university said Wednesday that he learned on Dec. 6 that it was all a hoax, that not only wasn't she dead, she wasn't real.
Well, I suppose to be charitable he could have decided that for the sake of the team and of Our Lady generally, he'd keep a lid on things until old ND played in the national championship game. So if he is innocent, I'm sure that made the whole thing that much harder on him. However, if he was innocent, why not announce on Dec. 6 or 7 that he was scammed? It strikes me that far from deflating the Irish faithful, it would have had, after the inital shock, quite the opposite effect: Everyone would have rallied round the poor sap, and the Irish community would have been galvanized as never before.
Something isn't adding up. A lot of things aren't adding up. My main question, and maybe one of you knows the answer is: If he met this girl in the flesh at that Stanford-ND game in November 2009, who in fact was he meeting? Or was that account just wrong, and they met only online? And if they met only online, did he initially lie about a face-to-face meeting, to give the relationship more credence to sportswriters? Because who would give a shit if somebody someone met only online died? (Incidentally, as luck would have it, I was at that game, with dear Aunt Jan, cheering the Cardinal on to glory, and I can report to you from atop a stack of Bibles that we saw hide nor hair of her!)
The biggest question of all I suppose is, if he was hoaxed, why would people do that? Why would someone who was supposedly his friend, this Tuiasosopo fellow, do this? There was no financial gain. Just a laugh. That's a hell of a lot of trouble to go to for a laugh. Whereas you have to admit, the whole question of motive becomes far clearer if he was in on it.
And obviously, the delicious thing about this story is that it's Notre Dame. This could only happen at that fantasy factory, that appaling symbol of so many things that are rotten and hypocritical about our country. Who can doubt that if Te'o had played anywhere else, it would have occured to at least one journalist, "Hmmm, maybe I oughtta check this out, make sure she's who she says she is." But Notre Dame? Never!
The whole thing has produced tons of wonderful humor. I assume you saw the Deadspin writers' genius response to Donald Trump? It's the most hilarious use of an obvious and coarse putdown of our generation. And so many funny tweets and comments. Someone wrote: "Finally! A reason to hate Notre Dame!" This has been worth it just for those. As for Te'o, he's either an incredibly corrupt human being or too stupid and naive to merit any serious measure of sympathy. Your thoughts?


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When it comes to planets, stars, galaxies and more, Neil deGrasse Tyson knows more than a few things. With a BA in Physics from Harvard and a PhD in astrophysics from Columbia, the host of "Cosmos: A Spacetime Odyssey" clearly knows a bit more than the average person.
Perhaps it should come as no surprise then that when rapper B.o.B spoke out on Twitter claiming the Earth is flat, Tyson stepped in.
"Earth's curve indeed blocks 150 (not 170) ft of Manhattan. But most buildings in midtown are waaay taller than that," he tweeted Sunday night. "Polaris is gone by 1.5 deg S. Latitude. You've never been south of Earth's Equator, or if so, you've never looked up."
He continued, "Flat Earth is a problem only when people in charge think that way. No law stops you from regressively basking in it. Duude--to be clear: Being five centuries regressed in your reasoning doesn't mean we all can't still like your music."
While B.o.B continues to express his skepticism, we're taking a look back at some of the people who have engaged in interesting debates with Tyson.
1. Stephen Colbert: While promoting "Cosmos," Tyson was faced with an important question from the late-night host: Why don't we have to present both sides of every scientific theory? "Don't you want to be fair and balanced?" Colbert asked. Tyson responded, "That would be a waste of everyone's time. When different experiments give you the same result, it is no longer subject to your opinion. That's the good thing about science: It's true whether or not you believe in it."
U.S. & World
2. Bill Nye: When it comes to the pop culture debate "Star Wars" vs. "Star Trek," both science enthusiasts couldn't help but join the conversation. "Oh that's easy. Oh my gosh. Oh, the Enterprise. There's no question! No question," Tyson explained. "The Enterprise has the benefit of being real. In the sense that there are real scientists and real engineers on the ship, monitoring its engine and its warp drive, its photon torpedoes. And so, it's 'fake-real,' as opposed to the Millennium Falcon, which is just 'fake-fake.'" While Nye has many "Star Wars" fans, he also had to agree with Tyson.
[NATL] Top Entertainment Photos: Best of the American Music Awards, and More
APP: Download the E! Online app to get the latest red carpet news on the go!
3. Jon Stewart: To continue the theme of healthy debates, the then-host of "The Daily Show" couldn't help but ask Tyson if he would pick Superman or Batman to win a fight. Tyson made it clear he believes Superman is "invincible" and can win. As for Tyson, he has some doubts. "At the end of the day, what might matter is the public reception of the superhero and superhero's conduct and if Batman executes our wishes in the city and superman does what the hell he wants, that's a conflict."
4. Bill Maher: When the host of "Real Time With Bill Maher' brought up arguments between political parties, Tyson couldn't help but highlight how Congress is made up of very few scientists. "I realized this when I was a kid, I said I wonder what profession all these senators in congress were. Law, law, law, law, law, businessman," he explained. "I said there are no scientists? Where are the engineers? Where is the rest of life represented?" He later defended science to Maher against his right wing critics.
5. Joe Rogan: In a radio interview several years ago, the former host of "Fear Factor" debated moon landing conspiracy theories. While Rogan didn't necessary believe the speculation, he couldn't help but share what some were thinking. "Some people are only happy when they're sad," Tyson explained. "You can do simple statistics on this. For example, Earth has been here for billions of years and if you think it will end in your lifetime, that's awfully hubristic of you."
PHOTOS: Our weirdest guy crushes revealed
CLICK: Neil deGrasse Tyson reviewed Interstellar and you may be surprised with his findings


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Layperson's II - Section 7 - How to Relate to your Pastor
Layperson's II – Section 7 – How to Relate to your Pastor
Layperson's II (Semester 2)- Bible School | Word of Faith International Christian Center St. Thomas, U.S. Virgin Islands – Online Classes
Layperson's Bible School began in the fall of 1981. It was founded by Bishop Keith A. Butler, Sr., Founder/Pastor of Word of Faith International Christian Center in Southfield, Michigan. Its purpose is to give laypersons and lay ministers a basic working knowledge of Bible truths. Layperson's Bible School is not only a systematic study of the Bible, but also a detailed study of your authority as a believer in Jesus Christ. It will strengthen you in your walk of faith, and give you a solid foundation and insight into your devotional and church life. The success of the program is known throughout the United States and abroad, for many churches have adopted this program as a vital part of their ministry. Layperson's Bible School is currently a non-degree diploma program. It is not necessary to be a member of Word of Faith Church to attend.
In 2003, Pastor Ronald D. Walker, Jr. was led by God to adopt the program in the Virgin Islands. The charter class had a total of nine (9) eager students ready to tackle their new assignment in God. It was a rigorous 2-years. However, seven (7) students crossed the stage to receive their diplomas in June of 2005. The second class with a total of six (6) students graduated in 2006. Graduates from both classes are currently being used in various capacities within this ministry. Classes were halted for a period and resumed in 2013. New instructors were added to the teaching roster Sister Maria Creque and Sister Clara Lewis. An additional instructor Sister Denise Donadelle was added in 2014. Five (5) students will cross the stage in the fall of 2015 and three (3) of them are instructors for the 2016/2017 school year, Elizabeth Doss-Francis, Janet Rhymer-Brown, Lavern Oysterman. This two-year school (September – June) is a systematic Bible Study course.
Pastor Ronald Walker strongly advocates this program for anyone desiring a basic working knowledge of the truths of the Bible.
Curriculum / Course Descriptions:
The Layperson's II – Bible School Curriculum was developed to foster personal and spiritual growth by conveying biblical truths in a systematic way. Courses include:
Layperson's II
In this course, students will discover that everything we possess in Christ is because of a covenant promise.
Present Day Ministry of Jesus
We will cover four areas of the present day ministry of Jesus: High Priest, Advocate (Lawyer), Intercessor, and Shepherd.
Understanding Suffering
Do Christians suffer for Jesus' sake with sickness, disease, and calamity? What is Christian suffering? These and many more questions will be answered.
Spirit Controlled Life
Through a scriptural journey in the pursuit of understanding the Fruit of the Spirit, students will learn to develop these spiritual fruit.
Gifts of the Holy Spirit
Spiritual gifts are those gifts given by the Spirit of God. Students will learn that these gifts are to be exercised in love for the edification of the whole Body.
Living Letters (Part 1 & 2)
In this course, students will learn that the Gentile believer's inheritance is equal with that of the Jew. This two-part course gives the foundation for God's inheritance as well as discusses our freedom in Christ.
How to Relate to Your Pastor
In this course, students will learn why God gave Pastors, how to receive your Pastor, how to know your Pastor, how to esteem him very highly in love, how to pray for him, communicate to him, imitate him, and obey his teachings.
Course Curriculum
Course Reviews
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Balston Compressed Air and Gas Filters will solve your most demanding applications problems, improve efficiencies, eliminate downtime, and reduce operating costs. Products offerings include:
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Registrar's Office
Veteran Information
Information for MCLA Students who are United States Armed Forces Veterans, Active Duty, Selected Reserve, National Guard, or their Dependents. Students are encouraged to identify their veteran status upon their initial enrollment with the Registrar's Office, Eldridge Hall Quad Level. Student can also contact Steven King in the Registrar's office by phone at (413) 662-5216, or by email.
Tuition Benefits
The Registrar's Office certifies eligibility for tuition benefits with the U.S. Department of Veterans Affairs. Students should contact the Registrar's Office to apply. Benefits can come from one of the following sources:
- Massachusetts Categorical Tuition Waiver
- Montgomery GI Bill - Active Duty (Chapter 30)
- The Post 9/11 GI Bill (Chapter 33)
- Montgomery GI Bill - Selected Reserve (Chapter 1606)
- REAP (Reserve Educational Assistance Program - Chapter 1607)
- VEAP (Veterans Educational Assistance Program - Chapter 32)
- DEA (Survivors' and Dependents' Educational Assistance Program - Chapter 35)
- Vocational Rehabilitation and Employment (Chapter 31)
College credit for Military Training Programs
The Registrar's Office also evaluates potential college credit for military training programs, college courses taken while on active duty, and various examination programs. MCLA awards college transfer credit based on the recommendations provided by the American Council on Education, DANTES, and our own Experiential Credit Program. Students are encouraged to contact the Registrar's Office for more information.
Veterans Student Services
The Office of Student Affairs serves as a resource for student veterans and their families by coordinating campus-based and community assistance. Students and their families are encouraged to contact Arlene Theodore in the Office of Student Affairs for assistance by phone at (413) 662-5440, or by e-mail. The Office located on the 3rd floor in the Campus Center, room 319, is open to assist with any of your academic, personal, social, career, or other college success concerns.
Information for Students called up to Active Duty
Students called to active duty while enrolled at MCLA should bring the original copy of their military orders to CSSE / Advising, Eldridge Hall, top level. CSSE / Advising will facilitate the student's departure from campus and help determine which College policies regarding withdrawal, Leave of Absence, refunds, and grading should be applied. Advising Services will contact the following departments on behalf of the student called up for active duty:
- The student's academic advisor and current faculty for the semester will be notified. Depending upon the time of withdrawal, it will be determined whether the student will receive grades of "W", or "I". Students will have a deadline of 6 weeks into the semester to which they return to complete work in any course for which a grade of "I" is assigned.
- The Registrar's Office will report the student's status to the Department of Veterans Affairs, process withdrawals, and/or Leave of Absence, as needed.
- The Office of Financial Aid will resolve any issues pertaining to the student's aid package for the semester.
- The Bursar's Office will process any applicable refunds for tuition, residence hall, or dining services.
- Residential Programs and Services will process the student's departure from the residence halls and terminate food service, if applicable.
These procedures ensure that students called to active duty should be held harmless academically and financially. The College will seek to respond in such a way that minimizes the stress and difficulty for students making the transition to military service.
Web Resources for Student Veterans
Massachusetts Department of Higher Education
Massachusetts Office of Student Financial Assistance
Massachusetts Army National Guard Education Services
U.S. Department of Veterans Affairs


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KIEV, Ukraine, April 9 (UPI) -- British Foreign Secretary William Hague cautioned Russia on Tuesday that continued escalation of the conflict in Ukraine will be met by additional sanctions.
Those sanctions, he told the House of Commons, will strive to "reduce European dependence on Russian gas."
Hague condemned the recent unrest in eastern Ukraine, "which bears all the hallmarks of a Russian strategy to destabilise Ukraine."
He warned Russia against further escalation: "Russia should be clear that the UK will consider any armed Russian presence in eastern Ukraine as further and deliberate escalation."
British Ambassador to Ukraine Simon Smith reiterated Hague's message Wednesday in a speech delivered in Kiev. The ambassador urged Russia not to intervene militarily in eastern Ukraine. If it failed to de-escalate the crisis, the British government would consider additional sanctions against Russia.
[British Government] [Interfax Ukraine News Agency]


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Discover & Explore a Career
Your future begins here at FKCC!
The journey to a career and a rewarding job requires developing goals and planning.
The list below is provided as a resource to get you started.
1. Self Assess: Discover your interests and skills through our computer based and interactive services.
2. What do you want to study at FKCC and where will it take you?
3. Take action: View Occupational guides , including Miliatry/VA guides, and understand what training/education is required.
4. Plan: Planning for your future begins now. You can utilize the Associate of Arts degree transfer plans as part of the roadmap to your goals.
5. Speak with an Academic Advisor or Program Director to assist you in selecting appropriate courses.
6. Final step: As you prepare for graduation with FKCC, your next step is to Prepare for a job or University transfer
Are you a recent graduate? Or just seeking employment or an internship?
Explore employment and Intersnship opportunities listed below
Featured Career/Employment Resources
The Advising department proivides all students and alumni assistance with resume development and interview skills.
To schedule an appointment, call: 305-809-3262 or e-mail: firstname.lastname@example.com
Please note: We do not post for positions using private homes for job placement. You must have a legitimate business address where the job opportunity will be offered.


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Dear visitor, welcome to SPRINKLER TALK FORUM - You Got Questions, We've Got Answers. If this is your first visit here, please read the Help. It explains how this page works. You must be registered before you can use all the page's features. Please use the registration form, to register here or read more information about the registration process. If you are already registered, please login here.
Wednesday, March 2nd 2005, 11:03am
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Location: USA
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French Montana Birthday Celebration In Miami! (Ft. Lil Wayne, Dj Khaled, Fat Joe & More)
@FrenchMontana celebrates his birthday in Miami
Posted by @Worldstarvids
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Few directors can say they've made films back to back for a beloved franchise. It may be cost effective for most Hollywood studios, but it's a rarity. This century we've had Peter Jackson's three "Lord of the Rings" films, the Wachowskis' "Matrix Reloaded" and "Matrix Revolutions" and, most recently, Gore Verbinski's second and third "Pirates of the Caribbean" blockbusters. Jackson is currently at it again with two "Hobbit" features, but the latest filmmaker to join that exclusive club is none other than Academy Award winner Bill Condon. The man behind acclaimed films such as "Kinsey," "Dreamgirls" and "Gods and Monsters" has jumped into the world of Stephenie Meyer's "Twilight" with "The Twilight Saga: Breaking Dawn, Pt. 1" and "The Twilight Saga: Breaking Dawn, Pt. 2." The first of the films hits theaters next month and, not surprisingly, pre-release polling shows the interest in the lives of Bella and Edward Cullen hasn't waned since "Eclipse" was released 16 months ago.
I first met Bill just a few weeks after he returned from Sundance and the premiere of "Gods and Monsters" (that was way back in 1998 for those of you playing at home). A lot has happened since then, but through a ton of success on the big screen and co-producing the best Oscar telecast over the last decade (no bias, it's the truth), nothing may have prepared him for jumping on the "Twilight" train. With "Breaking Dawn, Pt. 1" completed and only a few weeks away from opening, Bill was kind enough to jump on the phone this morning and chat about the ride so far.
Congratulations on finishing 'Breaking Dawn, pt. 1' Do you consider this the halfway mark?
Oh, easily, more than that because we shot both movies back to back. I've got a pretty good cut of the second movie so we're in the good 3/4 plus mark. I started this with just outlines, so yeah, almost there.
You see yourself in the homestretch?
Most moviegoers and 'Twilight' fans wouldn't realize that you've come from working on another movie where there was this hardcore fan base. On 'Dreamgirls' there was lots of pressure to get it 'just right' from fans. Did you take anything away from this before you worked on 'Breaking Dawn'?
That's a really interesting question and I suspect it's part of the appeal of getting involved with this. When you work on something that does have a huge fan base there is the potential for a lot of pitfalls, but there is this incredible thrill of seeing that kind of movie with an audience. If you somehow connect to their dreams of what this could be were I think there is a special anticipation that you don't get in an everyday moviegoing experience. I wonder, I hadn't thought of that before, but that's probably part of what turned me on about doing this. But, yeah, there is this sort of thing you have over your shoulder of trying to — you can only do it in your own way and your own take of what the material is, but because it means so much to so many people you hope you tap into the collective unconscious and visualize it in a way you might imagine it. Or sometimes different just as satisfying.
By the time this is over you will have made one long four-hour movie, perhaps over four hours?
Little under.
I'm just curious, anyone can consult with other filmmakers who have made movies back to back or producers who have made films they knew were going to take six months to shoot and feature elaborate long editing process. At this point, however, has it been a tougher endeavor than you thought or easier?
I would say it's right amount the middle of that. It is grueling to spend six months shooting, no question. But there wasn't — people have wondered was it confusing to go back and forth shooting a scene one day between movie one and movie two, but it wasn't because the second movie starts at the moment the first one ends. It's one long movie, without end titles maybe one 3 1/2 hour movie. And that's what I did early on. I put the two scripts together. So, it wasn't about where a scene came from it was all this one continuous story I must say.
You're talking about jumping between one movie and another did it make it hard to add things or be spontaneous on the set?
No, not at all. I think a lot of that happened. I did rehearse. I did talk about the script with the main actors for many, many weeks and certainly everybody else through their scenes, but you get on the set and, my god, an easy day was a scene with just nine vampires in it. Then there were the hard ones with 27 vampires, y'know? Certainly in those scenes with the Cullens, because of the challenge of having so many people who have so many important things to do, it was always like 'How do we loosen this up? How do we remember that these people are real?' So, that became a fun exercise on the set. You always have to be open to those moments, because those moments are the ones that become most memorable.
You talk about a scene where you have 27 vampires on set and I believe in the second movie there are more set pieces than in the first. Am I correct?
Yeah, I would say that's true. Absolutely.
It's funny, I think some fans would have had trepidation because some of your previous work doing 'Dreamgirls' or producing the Oscar telecast, but my guess would be, did those projects where you have such elaborate numbers or scenes that have to be worked out, did that make it easier for some of the action scenes in this film?
I think you're probably right and it's not just action. As anyone who has read the novel knows, we end up in a big set piece with maybe 27 or 30 vampires on one sided aided by a dozen or so wolves against 80 vampires on the other side in this big confrontation. It's mostly a discussion, but many dramatic beats within that. And that was like staging a spectacle on a stage almost, because we shot that for a month and not even counting all the second unit stuff. The sense of spectacle and moving fluidly through that, I did feel like I was calling on my musical roots there.
Did you storyboard this movie out more than any you had before?
Yeah, well, it's an effects movie. We have as many effects shots than 'Avatar' or more in the two movies. Especially with big things like the wolves or Renesmee and everyone's powers so it lead to a lot of pre-vizing [pre-visualization] too so that you really are getting a sense of what you need and what visual effects companies are going to be doing the work.
You actually haven't had that many movies with a good deal of visual effects in them previously. Was that exciting to work on?
It was. Because, let's face it, there is so much you can do now and I think our most spectacular effects I don't think it's even worth talking about before the movie opens, but it's what happens to Bella in the last half of 'Breaking Dawn, pt. 1' and it's just real. If you were making a real movie about a vampire pregnancy and there were no other vampires involved — if you were making 'Rosemary' Baby' today — just the subtle things you can do to really communicate the sense of a body under attack and getting weaker and weaker? It's extraordinary. So, learning this stuff has been one of the great joys of doing this movie.
So, something that would give any director pause would be the fact you're the fourth director these actors have worked with. In TV, where directors come and go, you always hear the actor saying, 'Eh, the director just tells me where to stand. I know the character.' How open were the actors to actually taking more direction than you'd expect?
Well, I don't know about more, but certainly exploring with me and they were incredibly open. Y'know, I keep calling this 'Twilight grows up,' but in a way it is. All of the characters take tremendous steps in this story and that's part of what turned me on to the material, to collaborate with Kristen Stewart as she goes from being the Bella we know in the first three movies to being a bride, being someone who finally has sex, gets pregnant, gets sick, gives birth, dies, become a vampire, becomes a warrior? Just think of that journey. I guess for none of them it was just playing the same old thing. Jacob becomes a man in this movie. He moves away from being the third leg in a triangle and breaks free of that and his background and his family and his pack and becomes his own person. So, that was a journey all the actors were eager and open to collaborate on.
Was there any actor who surprised you?
I think people will be surprised by everybody. In general, Kristen has such a huge journey to take and to watch her become this fierce, protective, powerful mother figure? I think that will surprise people. Taylor surprised me with his commitment and the dark places he goes to in this movie. And Rob, I think there is some sense that he has relaxed into this part and finally willing to show more of himself. His own charm, wit and grace are in evidence in this movie. It surprised me in how relaxed he seemed in something he's fought a little against before.
You mention you think of this as 'Twilight grows up' because of the events that take place in the film. Is there anything you did with the vampires or werewolves that reflects this as well? Are they more sinister or fearful?
I think certainly that really comes into play in the second movie. These movies so far have mostly dealt with these vegetarians who don't attack humans except for some of the newborns in the last movie and some of the people in the first couple, but here it's a collection from around the world of vampires with specific gifts. So, I think yes, there was a sense of maybe seeing a darker side of them. And I also think we spend a lot more time in the final movie with Arro and his more overtly sinister group of Volturi.
I think you know this, I was on the set of 'New Moon' when they shot those first scenes with Michael Sheen and the Volturi and it seemed at the time that it was the funniest thing to him. To be playing this character. Is he just having a ball when you work with him?
Yes, he is. That whole group. It's interesting, because you spend chunks of time with just Rob, Kristen and Taylor and then the Cullens. And there is a moment when it's Volturi time and it just brought a completely different vibe. It's British camp at its best. I don't mean camp in a bad way, I mean just people who are having a blast and being very clever all the time.
One of the other things that's interesting for fans of your work and fans of the first movie is this is the first time you've worked with Carter Burwell since 'Kinsey,' right?
Yes, that's right.
I know that the last two scores have gone in radically different directions than the first movie, but what did you want to do with the score for these two movies?
First of all, I was just so thrilled that Carter wanted to do it again, but Carter is someone who is just so original that for him it's not about repeating or getting back to the sound of 'Twilight.' That was a specific sound for a teenage story and I think you'll find it's more romantic and more lush. However, I always think of this fourth movie as a bookend to the first and it did give us a chance to play around with Bella's Lullaby, the theme he had developed for the first movie and bring it full circle, because obviously things are coming full circle for Bella. In general, the one of the things that is consistent in all the different approaches that Carter is taking — and he's taking his cue from what he sees — but it happened over and over again. It's thrilling. It happened to me when I heard sketches and when we were in London recording the score, he is an actor's best friend. I saw it happen with 'Gods and Monsters' and 'Kinsey' and I saw it happen here. [He can] get so deeply inside a character and it just fills out a performance and bring what sort of happening underneath to the surface. I think he's a hidden weapon. I think actors should request him in their contract. He's extraordinary in that.
Hardcore fans will recognize Bella's Lullaby I'm guessing?
Yes, it definitely plays a part.
is there a theme that's repetitive through the movie?
If I say there are three, I probably mean five. There is a Renesmee theme that really comes to fruition to movie two that is quite prominent in movie one. There is a Bella/Edward love them that plays a lot throughout the first half of the movie. There is Jacob's theme and there is a theme that suggests the love of everyone around Bella at the wedding, especially her parents and that's really lovely. I probably am missing one, but those are the big themes.
Look for more on "The Twilight Saga: Breaking Dawn, Pt. 1" on HitFix in the coming weeks.
For year round entertainment commentary and awards season news follow @HitFixGregory on Twitter.


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We oppose Islam, not Muslims. We are against hate, not faith
Ariel wrote:Hi dionysus. Welcome. But how can we help you. We can tell you not to tell your friends and family you are an apostate, we can tell you that you made a good decision, but that is not the help you are after I bet. So please tell us how we can help you.
exmuslim1 wrote:I can't reply you back in PB, I have not written 5 forum posts yet ;-). By the way I am a sister ;-).
Fernando wrote:I think one way is to chip away a little bit at a time at the things you have been told. Each little crack will help you open a bigger one.
I haven't time to go through your list at the moment, but here are a couple of things.
1) The Arabs overtook the Roman and Persian empires at a time when both were exhausted after fighting each other for centuries. Not when either of them was strong. Some say they'd also been badly affected by the Plague at the time.
2) As for Mohammed, could he really be such a good man when he had a fire lit on top of an old man to make him tell where his treasure was hidden? Or had an old poetess killed because she laughed at him?
Read some stuff on the forum, and good luck on your journey. Your mother loves you and can't help what she's doing. If you think it's hard, imagine how difficult it is for her.
dionysus wrote:Thank You. Can you please refer me to any post in the forum where Muhammad's good things have been countered?
dionysus wrote:Hello everyone, I'm new to the forum. I am an apostate from Pakistan. I renounced Mohammadanism a few years back. I'm Pro-Western, Pro-American a forward looking man.
Cut it short, this Ramazan, when my mom saw that I have completely deviated from the religion, she intensified her efforts in making me a true Muslim by praying all the time for me and doing wazifas. I'm becoming weak. Starting this Ramazan, unconsciously I find myself of the time when Muslims were superpower. When Muslims defeated the then superpowers like the Byzantine and Persian empire. I'm obsessively thinking about these things, these notions which one of my teacher used to tell me, who used telepathy to make me believe in him.
1- West has implemented all the golden principles of Islam and has got tremendous success, and Muslims have left those golden principles, thus Muslims are facing turmoil all over. Those golden principles are like the importance of education, women property rights, bringing an end to racism declaring whites have no superiority over blacks or Arabs have no superiority over Non-Arabs; emphasis on cleanliness in surroundings and personal hygiene;
2- A famous story goes by: A man visited Arab countries and Western countries. Upon finishing his journey, he told people that he only saw Muslims in Arab countries, but no Islam. But in West, I only saw Islam, but no Muslims.
3- Muslims often quote Michael Hart, who was a Christian, declared Muhammad as the greatest human being ever lived.
4- One must acknowledge Muhammad's military skills, his vision etc.
Not just these thoughts, but several other thoughts and notions are haunting me.
I'm unconsciously feeling that I should now give up and embrace Islam. I'm still scared to share all my fears with you people. I'm afraid of persecution. I'm using a VPN software, I don't know will it be helpful or not in hiding my identity.
Please help, I don't want to go back to the blood-thirsty religion.....
exmuslim1 wrote:I think you are far far more safe in the west than in Pakistan, at least in the west there is no official law that says you need to be punished. But even here I do not dare to come out in the open anymore, because even here the people who criticise islam openly get death threats, look at the brave Ayaan Hirsi Ali who is Somali / Dutch, she has body guards 24 / 7. And not without reason because her friend a filmmaker, Theo van Gogh, was brutally killed in broad daylight in the middle of the street by a muslim.
Since you are interested in Cults, Here is a link for that exact topic. I read his book "Cults inside out" and found it fascinating and very informative.exmuslim1 wrote:I cannot speak for most or all muslims, but it's an interesting question yes. Stockholm syndrome is one part of it I guess. I am now very much interested in cults and religions, and also what happens to abused people - what makes people stay in situations where they on some level know parts of it are totally unreasonable and even dangerous for them.
I think Stockholm syndrome is especially for this last part, when things become violent and dangerous for yourself and you still stay, and even go to help and advocate the person or cult / religion holding you hostage. So especially for women in islam that are abused (men hitting them etc) yes I think Stockholm syndrome plays a role.
In a broader sense I could see Stockholm Syndrome as God (in reality Muhammad ;-)) is holding you hostage and treats you like sh*t in islam, then you should be so very grateful for the small things he does give you even though you are so scared of him, always scared to make mistake always questioning your own thoughts... all the while you do not even notice that you are living in a cage and thinking destructive thoughts.
I think there is a lot of links between abuse and cults, several cults also use abuse against their followers.
I find it very interesting what Mr. Ali Sina said about Muhammad being a narcissist / psychopath, I see EXACTLY the same tactics that I know unfortunately in person from an abusive relationship I had. When you look at other cults and guru's like Scientology, you see the same patterns and tactics used every time again. I found ths interesting list just now that I can recognize a lot, with all kinds of 'tactics' involved to get you in and then once you are in, to keep you in. Below I mentioned the source. Maybe others can expand on this if they like. I am just writing my thoughts on this for the first time ;-).
*Isolation & Intimidation
*Destruction of absolutes, and the reintroduction of "new" ideas.
*Using broad generalizations to allow for misunderstandings so a person may be either rewarded/punished
*Unquestioning obedience
*Fear of separation/dislocation
*Promise of absolute rewards for success, absolute destruction for failure."
source: http://www.forum.exscn.net/showthread.p ... lt-Dynamic
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COFFEE CORNER Our Cof Read more [...]
Sarratt Cub Pack - 23/07/2020
Event Category: Sarratt Events
Sarratt Cubs can be between 8 and 10 1/2 years old. Cubs take part in a wide range of activities designed to be interesting and challenging. A Cub Scout meeting consists of games and activities with plenty of time spent outdoors.
We meet weekly on a Thursday at 17:30 – 19:00.


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The package contains love letter paper with decorative borders and 2 different backgrounds – clean and old paper.
- 8 JPG images 2480 x 3508 pixels / 300ppi
- 2 PSD files 2480 x 3508 pixels / 300ppi
- Help file
PSD files are fully editable – vector and smart objects, two options for custom colors – for background and for decorative border. Double click on custom color layers to choose your color playing with hue, saturation and brightness.
You can use this package in your own design, in web sites, backgrounds, textures, posters, flyers, cards, booklets, brochures, artworks, blogs, any kind of presentations & promotions
I'd really appreciate it if you could rate my file.
Feel free to contact me through my profile page if you have any questions, feedback, or need assistance.


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- 4 Beds
- 4 Full, 1 Half Baths
Property TypeResidential – Single Family
SubdivisionCordillera F28 - Cimarron
Listing Date04/25/20
Year Built1998
AreaCordillera - The Ranch
Lot Size0.25 Acres (10,890 SqFt)
Parking3 Car Garage, Multi-Heated
Property Description
A unique,exceptional home with numerous features added. It sits above green 16 of Mountain Course. The floor plan is open and complemented by large diameter logs. There are two master bedrooms and two large living areas. Two dining spaces, two fireplaces and a large wet bar. Unique wall and ceiling treatments add character to many rooms. The fabulous home theater has a 4K Ultra High Definition projector and ten-foot screen, with a Dolby Atmos 9.2 sound systems and tiered theater seatings.
Presented By
- Golf Course
- Ski In
- Ski Out
- Golf Course
- Meadow
- Mountains
- Ski Slopes
- South Facing
- Valley
- Woods
- Air Conditioning
- Cable Available
- Deck
- Fireplace - Gas
- Fireplace - Wood
- Hot Tub / Spa
- Jetted Bathtub
- Multi-Level
- Patio
- Satellite Dish
- Vaulted Ceilings
- Wired for Cable
- Clubhouse
- Club Membership Avai
- Fitness Center
- Pets
- Pool
- Racquetball
- Spa and Hot Tub
- Cable TV
- City Sewer
- City Water
- Natural Gas Avail.
- Satellite
- Snow Removal
- Trash Pickup
- Forced Air
- Natural Gas
- Gas
- Zoned AC
- Dryer - Gas
- Washer
Financial Information
4 Beds 5 Baths
5 Beds 5 Baths
5 Beds 6 Baths
6 Beds 8 Baths
6 Beds 6 Baths
We get asked this question a lot. Below is a tool that gives you the ability to see what the market is like in your community. Find out what homes like your own are selling for right in your back yard. Simply enter in your address, choose the proximity of the search and find out market data for other homes that are selling near you.
While we'll provide you with plenty of information, this is a snapshot of your market data and there are real people behind the high-tech and automated tools. If you would like more detailed information or help in understanding the results we are here to help.
Until then, enjoy the tools!
The data relating to the real estate for sale on this website comes in part from the Internet Data Exchange program of the Vail Multi-List Service, Inc.
Copyright © 2020 Vail Multi List, Inc. (VMLS). The information displayed herein was derived from sources believed to be accurate, but has not been verified by VMLS. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers' personal, non- commercial use. Any republication or reproduction of the information herein without the express permission of the VMLS is strictly prohibited.
Listing courtesy of Coldwell Banker Distinctive Properties


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International effort to raise awareness of potential amphibian extinction begins Feb. 29.
Through an international effort, 2008 has been declared the "Year of the Frog," and it will launch on leap day, Feb. 29. The Year of the Frog is part of a global effort to bring attention to the decline of frog, toad and salamander populations worldwide. Zoos, aquariums and government agencies are making efforts to educate the public through various programs and exhibits. Nearly one-third of the approximately 6,000 known species of amphibians in the world are in serious decline. If action is not taken, nearly 500 species will go extinct in five years, St. Louis Zoo president Dr. Jeffery Bonner said. "We've never seen an extinction this broad before," Bonner said. Bonner compares this potential extinction of such a vast array of species unequal to anything since the age of dinosaurs. Why should people care? People should be concerned about the broad extinction of species because amphibians are indicators of the environment's overall health and are important components of ecosystems, Bonner said. Amphibians are contributors to human health, they provide vital biomedicine, including compounds that are being refined for analgesics and antibiotic. As an example of what medicine can be produced and lost, Bonner described the Australian gastric-brooding frogs that became extinct in the mid-1980s. These frogs incubated their offspring in the stomach of the mother. The frogs secrete a chemical that would shut down the mother's digestive system. This would have huge medicinal benefits for obesity and ulcers among other uses. All medical uses died with the frog's extinction, Bonner said. Another example Bonner used to describe the incredible medicinal value of frogs is a potential cure for HIV. Fourteen frog species were randomly chosen, four of the frogs produced a peptide that kills the HIV virus without damaging cells, Bonner said. Frogs also play a vital role in the food chain. They are both predator and prey. They help control insect populations and are a food source for many larger animals, Missouri Department of Conservation herpetologist Jeff Briggler said. What has contributed to this massive decline in such a broad range of species? According to Bonner, one of the main factors leading to the potential extinction of 500 species is chytrid fungus. Chytrid fungus is thought to have originated in South Africa. In the 1930s, it was discovered that the African clawed frog could be used as a pregnancy test for humans by injecting the frog with female urine. If the frog produced eggs within 24 hours, the test was positive. The frogs remained alive after the test and could be reused. Through this discovery, frogs were distributed across the globe by the thousands. The chytrid fungus can not be seen on the frog or in the water, making it difficult to manage. The frogs must be swabbed inside their mouths to discover the killer fungus. Scientists still do not know the exact reason why this fungus is killing frogs in mass numbers, Bonner said. The fungus kills about 85 to 90 percent of a species. This means the survivors are walking dead if they can not find others within their species to breed with. However, this also means that 10 to 15 percent are unaffected or immune to the fungus, Bonner said. The other leading cause to the decline in the worldwide amphibian population is destruction of habitat. Wetlands across the country and globe have been drained or replaced. Wetlands are necessary for frogs to lay eggs, Briggler said. What is being done to save the 500 species that are endangered? Bonner also is the executive chairman of Amphibian Ark. The AArk is a joint effort of three principal partners: the World Association of Zoos and Aquariums, the IUCN/SSC Conservation Breeding Specialist Group and the IUCN/SSC Amphibian Specialist Group. These groups recently met in Washington, D.C., to address this pending issue with Congress, Bonner said. This issue crosses the political aisle. Bonner said Republicans and Democrats were receptive to addressing this issue. Bonner said $40 million could ensure the survival of all 500 species by placing them into a global breeding program. "We've been very successful with reintroducing frogs," Bonner said. "They can live for generations in captivity and are just fine when placed back in the wild. They are simple in that way." What can I do to help? To help with the health of frogs in your immediate area, refrain from using pesticide and herbicides. Frogs absorb everything through their skin and additional chemicals can have adverse effects to their health, Bonner said. People can make a small pond without fish to provide a habitat for frogs to lay their eggs, Briggler said. Bonner recommends expressing concerns about this issue to legislators. Both suggest contributing money to foundations or zoos participating in breeding programs. On the Net: www.amphibianark.org Contact this reporter at firstname.lastname@example.com.


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Taxpayers have a few extra days to get their taxes done. While today, April 15th, is the traditional tax deadline, this year's deadline is actually Tuesday, April 17th. The reason is due to a combination of the 15th falling on a Sunday and a holiday unique to Washington, DC, that hits on Monday, April 16th. Tomorrow, the nation's capital will celebrate Emancipation Day. While it's a local holiday, it does affect when taxes are due.
Next year, Tax Day returns to the usual date of April 15th.
Photo: AOL


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JavaScript, being so simple to learn & use is one programming language which is not always given its proper due. I think the main reason for this is that most people who tries to undermine the language are greatly fooled by it's simplicity. Although, it has its fare share of shortcomings but the kind of things it can accomplish is pretty amazing. If you have any doubts, check Can Your Programming Language Do This? at Joel on Software.
There are raging and never ending debates as to whether JavaScript is even a true programming language or whether it is an object-oriented language at all but that's beside the point.
IMHO, JavaScript does indeed exhibit object-oriented programming language features. As per Yahoo! Answers, there are two models of object orientation. One is based on classes as the templates from which to create objects (instances of classes), and the other relies on prototypes that are already objects and which can be cloned to create new instances. JavaScript (and others) takes the prototype approach.
In any case, today I am here to guide you towards few sources which should go a long way in giving you a good idea about what JavaScript is and what it isn't. Statutory warning – most of them are of advanced nature :). So, here you go, look at these sources which might quench your thirst for advance level JavaScript:
JavaScript Execution Context, Closure, Eval and "this" Keyword
Quirksmode JavaScript Tutorials
Variable Scope for New Programmers
Code Conventions for the JavaScript Programming Language
The JavaScript Programming Language
Douglas Crockford: JavaScript Doesn't Suck
JavaScript as a Functional Language
Functional JavaScript – Harnessing the power of the Function Object
Yahoo! User Interface Blog has these excellent resources:
Douglas Crockford, a senior JavaScript Architect at Yahoo! and introducer of JavaScript Object Notation (JSON) to the world, whose JavaScript: The World's Most Misunderstood Programming Language is a must read, had a go at clearing the common JavaScript misgivings for you folks out there:
YUI Theater: Douglas Crockford, The JavaScript Programming Language
Video: Douglas Crockford, "An Inconvenient API: The Theory of the Dom"
Video: Douglas Crockford, "Advanced JavaScript"
Learning JavaScript Programming Language through Video Lectures


text: Paslis 0 Posted September 5, 2012 After making a couple of desks its time to take it to another level this time i came up with some ideas to lift the desk with lifting columns.I also decided to lift the sreens with a lift column. The desk can be used by small and big people you can even stand up and work at the desk. A render of the design. The lifting columns for lifting the desk. The lifting column for the screens. The main material im gonna use to build the desk is 3mm thick aluminium. Time to make the body. The 3 pieces i need cut with the lasercutter. Time for some bending. Then i spotwelded the pieces. Then i start working on the covers for the columns.They are also made out of 3mm thick aluminium. This is how they look. Then i cut 2 pieces of aluminium for the sides and spotwelded them.The i finisht welding the body and did some sanding. More to come. Quote Share this post Link to post Share on other sites


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Platinum-selling singer/songwriter Chris Tomlin is squashing stereotypes of contemporary Christian music by adding DJ Promote to his 34-city "Burning Lights" worship tour.
The traveling stage show will be in support of Tomlin's new, same-titled Burning Lights album, which earlier this month became only the fourth Christian album to ever hit No. 1 on the Billboard 200 sales chart.
"I strive to create a special night for people from the beginning moments to the very end. I want them to feel engaged with the music, to be inspired, to have fun, and to be lifted up. Having DJ Promote this year brings a new element to the tour that is perfectly in line with the heart of the night," Chris Tomlin said.
The project's lead single, "God's Great Dance Floor", sports a slight EDM (electronic dance music) vibe that fits in naturally with the type of environment Carlos "DJ Promote" Trevino has been used to supplying as a professional DJ for over a decade.
Promote's role as part of the "Burning Lights" tour will be to "throw a party" via a DJ performance after opening act Kari Jobe completes her set.
"This is a really exciting opportunity for me personally and the DJ community at large," Trevino said. "It's quite a statement that an artist of Tomlin's stature understands what a DJ can bring to this type of event."
Trevino's turntable talents have been a part of over 11 albums and tours with artists such as Lecrae, KJ-52, Tedashii, Propaganda, B.Reith, Knowdaverbs and bands like Shane and Shane, Starfield, Jars of Clay, and Thousand Foot Krutch.
His profession and passion have led him to DJ for over 250,000 people in almost every state and in places like South Africa, Slovakia, Sweden, The Netherlands, Canada, Panama, El Salvador, and Mexico.
DJ Promote fell in love with music as a young boy in West Texas. Growing up without the positive influence of a father (who was in and out of prison) also caused him to seek acceptance and validation outside of his family. Although he found his calling in graffiti art and hip hop culture, Promote was still driven by a desire to use his art and influence to improve the lives of others.
He worked as an urban youth minister for over six years, created audio and video projects with the Billy Graham Evangelistic Association, has been an invited participant in the SXSW (South by Southwest independent music festival), and recently founded Table Turners – a resource and partnership for DJs who are giving back to their communities.
"I try to live my life by putting people and ideas before myself," Trevino said. "I promote the things I enjoy. I love God. I love music. I love to create and celebrate stuff that inspires people, so that's what you're gonna get when you come see a DJ Promote show or hear one of my mixes."
"Hopefully it will make you feel as free as I do."
Click here for "Burning Lights" tour dates.


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TapeFear is a curated selection of some of the finest and latest albums to grace Spotify. Handpicked albums from some of the very best ambient, electronic, folk and experimental artists.
Be sure to follow us on Twitter at @tapefear for the latest news and the occasional extra handpicked highlights.
Feel free to get in touch with any comments or suggestions, either via Twitter or you can email us at [email protected]
Please note that TapeFear requires Spotify installed for the playback links to work.
TapeFear is not affiliated with Spotify.
Automatically generate a unique random playlist and enjoy your own slice of TapeFear.
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This product uses a SPOTIFY API but is not endorsed, certified or otherwise approved in any way by Spotify. Spotify is the registered trade mark of the Spotify Group.


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Mexican Fiesta brings the sound, culture, and taste of Mexico to Milwaukee, Wisconsin. It is more than just a celebration of Mexican pride, it's to show that the community is alive with promise and heart. Education is the key to the future, and through scholarship awards the festival has become the gateway for young Hispanics to take their rightful place in society. For the eighth straight year, Mario Reyes and his crew have taken over the south end of the beautiful and spacious Summerfest Grounds right off Lake Michigan.
Over 300 of the finest lowriders from the Midwest completely filled the grounds showing off Mexican pride and culture in each vehicle. Among the clubs in attendance were Rollerz Only, Majestics, USO, Good Times, Solitos, Psycho's Dreamz, Viejitos, Wicked Impressions, Xplizit, Envious, Blackout CC, Street Legends CC, Cruizin In Style, All State Low Life, Los Impalas, and Street Styles to name a few.
Accompanying Mexican Fiesta International on the road to success have been the many community-based, non-profit agencies that actively participate in the annual festival. It gives emphasis on the Mexican-American way of life, as well as displaying other Hispanic influences in our society. Mexican Fiesta encourages individuals from all ethnic backgrounds to come share in the rich history, art, music, and cuisine of the Mexican/Hispanic community.


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Samsung Galaxy S8+ (64GB, Arctic Silver)
6.2 inches of edge-to-edge beauty.
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By Karin Calloway
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Bourbon Salmon Salad
My supermarket used to sell fresh bourbon-marinated salmon fillets for a premium price. They were a tasty solution to an unplanned work-night dinner. I played around and came up with a version of my own, which is more economical and every bit as tasty.
I like to serve the salmon as part of an entrée salad during the spring and summer. The salmon can be grilled or roasted, and is delicious paired with crisp greens, a honey-mustard dressing and some crunchy, sweet honey roasted cashews.
Bourbon Salmon Salad
In a small bowl combine brown sugar, bourbon, soy sauce and chopped scallions. Place salmon filets in a zip-top plastic bag and pour marinade over. Marinate in the refrigerator 1 hour, or at room temperature for 15 minutes. Remove salmon from the marinade and grill over hot coals 5 minutes per side. (Or, roast the salmon in a 450-degree oven for 10 minutes.)
While salmon cooks, combine olive oil, vinegar, mustard, honey, salt and pepper in a jar. Shake well. (This makes about 1 cup of dressing).
Place salad greens in a large bowl and toss with 1/2 cup of the dressing. Reserve remaining dressing for another use. Divide greens among 4 dinner plates. Top with the hot salmon, and garnish with the cherry tomatoes, shredded cheeses and honey-roasted peanuts.
Makes 4 servings.


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Tuesday, March 17, 2009
Wacky Reference Wednesdays, No. 48
Who's the most beautiful woman in the world? Why, Helen of Troy, of course! She put the T & A in The Iliad! This was the cover to the first issue of the series, the final version of which you can see here.
And who better to pose as the most beautiful woman than yours truly. Look at that ethereal light! It reminds me of those soft-focus glamour shots from the nineties.
The first photo didn't give me quite enough detail, so I had to take this close-up of my beautifully delicate hands.
12 comments:
You love yourself, don't you? ;-)
Haha, very funny Paolo.ReplyDelete
You have great blog. Thanks for all the painting info you put on, interesting read.
Haha, any more soft focus and it'll look like a Barbara Walters interview.ReplyDelete
I really dig this cover...I think it's because it reminds me of the drawings and such found on the side of greek vases.
oh, my beautiful daughter, helena...always fretting over her man-hands.ReplyDelete
ha ha great post!ReplyDelete
That's just wrong on so many levels ;)ReplyDelete
I was wondering why there were never any girl ref photos here, now I know the truth damn it, now I know the truth.
I know that the Hildebrants dressed up as hobbits but this is a lot to take in.
Man, I discovered you through Gallo's blog. Your work looks dope! I like this painting. Nice contrast. And I like the black between the figures. It reminds me of those ancient red figure vases.ReplyDelete
Come on man, those aren't your hands!!! But it made me laugh out loud! Beautiful painting anyway.ReplyDelete
You're right, Shawn. But even though they're not my hands, I still plan on taking them with me to Taiwan.ReplyDelete
- AnonymousThursday, March 19, 2009
Vai Pablo. Sei un grande!!! Il tuo albo sugli X-Man è una delle cose più belle che abbia mai visto.ReplyDelete
Mauro, my Italian is a little rusty, but I'm pretty sure that was a compliment. Grazie.ReplyDelete


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Junior Member
- Dec 1, 2011
- 14
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Sup, i know there is alot of receivers on the market my only choice has been pioneer because of sound quality. But now i am looking for a headunit that has great sq and the best ipod user interface ive only used pioneer and it seems they all have some sort of lag when pressing any kind of command even changing to the next track. Is their any other brand out there with great sq and less lag on ipod? Ive heard good things about eclipse (fujitsu) HU's but ive never heard or used one. Any thoughts thanks! Btw i am using a premiere deh-p6700 not sure though with the pioneer ipod adapter.


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the knicks roster as it stands now has 17 bodies. most people (myself included) expect or hope desperately that jerome james and dan dikau will be gone before November. now with that being said we still have a lot of talent 1-15. where will the minutes go???
in my head i've broken it down as such: marbury, crawford, q rich, zach, and eddie curry will start. then off the pine in order of talent will be david lee, nate robinson, balkman, fred jones, and jared jeffries. those are the guys i think will be apart of the 10 man rotation. however, jeffries hasn't shown me anything in his time with the knicks and im not confident he will stay in the regular rotation.
now we got mardy, malik rose, d nichols, randolph morris, and wilson chandler.
i think mardy and fred jones will battle it out for the opportunity to be 2nd guard off the bench because the only person that will effect nate robinson's minutes is nate robinson. he has shown so much improvement over the summer i cant see him not getting at least 25 minutes per game.
if randolph morris isnt ready for major minutes the knicks might look a little small at center when curry goes to the bench. balkman and david lee could play some center but malik rose should get a chance to stretch his legs a little.
d nichols looks like the next glen rice to me. he's a big 2 guard that will get his minutes when they need some outside shooting or if jeffries has another lackluster year. wilson chandler's playing time will also depend on jared jeffries' performance.
wow we are stacked with talent. what are your theories?


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The latest addition to our Weekend Projects series is an Optical Tremolo Box. Inspired by Charles Platt's article about online DIY guitar stomp-box communities (MAKE Volume 15, page 82, "Stomp Box Basics: Tremolo and Fuzz"), MAKE Technical Editor Sean Ragan took up the challenge of building this project. He used a cadmium sulfide photoresistor as the light sensor — a component we have used in previous Weekend Projects (see Light Theremin). This component, in combination with the flex light (or sunlight) and custom-designed "sweep disks," provide you with the ability to create a wide range of tremolo. Also as our first project box build, Sean set the bar high for both design and function. Watch the video below for some clever tricks on fitting components. And when you build the Optical Tremolo Box, be sure to send us pictures and an audio sample of your build!
See all of the Weekend Projects posts


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Download our infographic for a preview of the study results that will be presented.
The hotel business is all about price. Or is it? How are consumers using other information like reviews and ratings? In order to set profitable pricing and positioning strategies, hotels need to consider how consumers assess the value of a hotel purchase.
To understand how business travelers assess this value, Kelly McGuire, Executive Director of the Hospitality and Travel Global Practice at SAS, and Breffni Noone, Associate Professor at The Pennsylvania State University, recruited an online panel of business travelers who travel at least six times per year. By tracking the panelists' pattern of choices, they were able to gain key insights into the most important attributes of assessing value.
Watch this video with McGuire and Noone to hear their findings and discover how hotel revenue managers should be evolving their pricing and brand strategies.
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How to Create a Culture of Self-Learning
By Dan Carusi, Vice President, Global Education, Deltek
When it comes to the workforce, motivated, top performers always find a way to access the knowledge and develop the skills they need to be successful. Whether through requesting a mentor, attending continuing education classes, or joining a peer-group book club, they will go out of their way to get what and where they want. In this article, I will outline how to infuse this drive into an organization's workforce, emphasizing the importance of corporate education by creating a culture of self-learning across the entire employee population. The key to success is a methodology we call ED3:
Envision the strategy
Design the vision
Develop the design
Deliver the product
The end goal is increased employee confidence in their knowledge and ability to successfully do their jobs.
Build Excitement and Engagement
Employees are the No. 1 resource of any organization, and the first step (after the executive team is on board) is to "employee source" and test new ideas to gather feedback. By allowing employees to have a part in the creation of the program, they will feel responsible for its success. By implementing it in one part of the organization—perhaps an on-site project team or division—and working closely with the employees, you can demonstrate initial success as it's rolled out more broadly. Building excitement around the program can have a viral effect, and without engagement and excitement from employees, it will fail miserably.
Provide the Right Assets
Providing the right assets is at the heart of creating a culture of self-learning. The right tools delivered via the right technologies at the right place and time (and communicated properly so they are used correctly by employees) is critical to the success of the learning strategy. Today's workforce is accustomed to digesting information in "chunks," and this should be taken into consideration when providing learning tools. Technology allows flexibility, speed, and interaction and supports on-demand learning, all key to driving home this culture. In a self-learning program, technology should be based on the following attributes:
- Consistent
- Reusable
- Transferable
- Manageable
- Sellable
For example, at Deltek we have a learning portal that includes "how-to-type" videos answering common questions; a forum where employees can ask questions and converge in groups to discuss them; and a place see what peers are reading this month.
Build Into Corporate Culture
In order for a self-learning program to be a success, it must be ingrained deeply into corporate culture, from the CEO down to the intern. The program needs to be strategically communicated and implemented to ensure success. With a top-down approach, success will cascade down throughout the organization. But while CEO buy-in is paramount to success, it is not the only ingredient to creating the culture. The self-learning program needs to be evangelized across the company to drive awareness and excitement, feeding and accelerating the success of it going viral. Also, it's important that every employee understands, and is measured in relation to, his or her role. From manager to employee to the "company," each role is important and must be clearly defined.
Create Peer-to-Peer Accountability
To instill a desire to learn across the employee population, it's important to create peer-to-peer accountability. By creating peer groups, merchandising successes, and creating individual and team goals, employees will push themselves outside of their normal comfort zones. We think of as the "Boy Scout Approach"—scouts teaching scouts, with leaders guiding along the way. Or, in office terms, employees learning from each other with guidance from managers. This increases the transfer of knowledge and creates communities of practice, with like topics being discussed and explored by interested parties across the organization. Individual development plans that outline the goals for learning and align them with corporate goals are also important in this step.
Strategically Recognize Successes
When it comes to self-learning, we do not recommend rewarding employees financially—this is something they need to buy into from a personal and career growth perspective. If it's truly part of the culture, employees WANT to take part—not because of reward, but because of personal gain. That said, it's important to recognize the right behaviors and successes with some type of public acknowledgement. Since the real impact for an organization is increased retention, recruiting, and development of talent, things such as promotions, new roles and responsibilities, and positive feedback from customers should be highlighted and celebrated.
While there are many approaches to creating a successful learning and development program, there is nothing like giving employees the drive and confidence they need to find their own way to success. For the organization, a pervasive culture of self-learning drives speed, performance, and results—all of which are critical in a highly competitive landscape and ever-changing market.
The current vice president of Global Learning for Deltek, a global provider of enterprise software and information solutions for government contractors and professional services firms, Dan Carusi has more than 20 years of business experience. He is responsible for providing leadership for all aspects of Deltek University to include curriculum development, operations and delivery, global employee education, business development, and educational consulting, as well as thought leadership.


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Photoshopped Or Real: Trick Trick's Daughter Posing With Yung Berg's Transformer Chain! [Photos]
Here we go again. One of our readers sent us these photos claiming to be Trick Trick's daughter. But are these photos really real or another photoshop scam?/
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The Cervon File by Bruce Cervon - Book
|Bruce Cervon's reputation as a creator and performer of close-up magic is already firmly established. Laymen know him from appearances with Johnny Carson, Merv Griffin, Dick Cavett, Mike Douglas and on "That's Incredible". Magicians around the world have eagerly studied his writings in magazines such as Cardiste, Epilogue, Genii, Hierophant, Ibidem, Magik, Talisman and his previous book, The Real Work. Bruce's skills have twice earned him the title, Magic Castle Close-up Magician of the Year.
The tremendous amount of material found in this book has been culled from the personal notebooks that Bruce painstakingly kept between 1964 and 1975. These were the early days of the Magic Castle when young Mr. Cevon studied the fine art of close-up magic under the tutelage of the Professor, Dai Vernon. Here is the culmination of eleven years of work by one of Magic's premier student/performers.
Pages: 264 - 7" x 10" - Hardcover with dust jacket - Black and white illustrations
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"Vision without action is merely a dream. Action without vision just passes the time. Vision with action can change the world." – Joel A. Barker
Against the odds, Mountain2Mountain completed 5 public exhibitions and 2 photo stagings at historic sites over the past two weeks in Afghanistan.
The first was a staging at Kabul's historic Darulamon Palace.


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- 4 Beds
- 2 Full, 2 3/4 Baths
Property TypeResidential – Condominium
SubdivisionLions Mane Condo
Listing Date08/06/18
Year Built1974
Lot Size0.04 Acres (1,742 SqFt)
Parking1 Car Assigned, 1 Car Garage
Property Description
South facing picture windows and vaulted ceilings with direct view to Vail Mountain provide light and space. 4 total bedrooms including loft and one car garage. Includes a separate lock-off studio with full bath providing extra income. European hand planed ceiling, granite counter tops and stainless appliances. Beautiful custom dining table with corner bench. Over-sized 1 car garage and 1 car assigned parking provides 3 parking spaces. Located on Sandstone bus.
Presented By
- Bus Route
- Mountains
- Ski Slopes
- Hiking/Pedestrian Trail
- On Bus Line
- Cable Available
- Deck
- Fireplace - Gas
- Vaulted Ceilings
- Wired for Cable
- Cable TV
- City Sewer
- City Water
- Electricity Avail.
- Natural Gas Avail.
- Baseboard
- Electric
- Ceiling Fan
- Dryer
- Washer
Financial Information
About Vail
Home to the internationally incomparable Vail Mountain Ski Resort, the Town of Vail is comprised of several neighborhoods including Vail Village, Lionshead Village, East Vail and West Vail. The heart of town lies within its villages at the base of the mountain, a Tyrolean inspired blend of American and European cultures. Vail has a near endless list of cultural and sporting events and activities year round including the single largest ski mountain in the country and an array of outdoor pursuits including fly fishing pristine waters and golf at the beautiful town course with magnificent views of the Gore Range. All of which are easily accessible by car, bike, walk, or the free town shuttle.
Area Market Data
1 Bed 1 Bath
2 Beds 1 Bath
1 Bed 1 Bath
2 Beds 2 Baths
3 Beds 4 Baths
2 Beds 2 Baths
We get asked this question a lot. Below is a tool that gives you the ability to see what the market is like in your community. Find out what homes like your own are selling for right in your back yard. Simply enter in your address, choose the proximity of the search and find out market data for other homes that are selling near you.
While we'll provide you with plenty of information, this is a snapshot of your market data and there are real people behind the high-tech and automated tools. If you would like more detailed information or help in understanding the results we are here to help.
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The data relating to the real estate for sale on this website comes in part from the Internet Data Exchange program of the Vail Multi-List Service, Inc.
Copyright © 2020 Vail Multi List, Inc. (VMLS). The information displayed herein was derived from sources believed to be accurate, but has not been verified by VMLS. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers' personal, non- commercial use. Any republication or reproduction of the information herein without the express permission of the VMLS is strictly prohibited.
Listing courtesy of Slifer Smith & Frampton/281 Bridge Street


text: During this year's imm cologne the Dutch designer Frederik Roijé presented his new sofa at the 'Passages' – the fair's satallite events in the city of Cologne. 'Slow Sofa' is a family of nine elements that can be applied in many compositions at various locations. With its wooden storage space it unites side table and upholstery in one piece.