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If I could have one wish this year, it would be to look just like this ad for Chanel's Summer 2011 makeup collection. I must have this most perfect shade of pink accented here by a pop of yellow and framed in the dreamiest of blues. Oh- and the flawless face, sultry windblown hair, stunning green eyes and luscious lips wouldn't hurt either. Simply gorgeous.
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So the other day I got the chance to go snowboarding. Granted, I haven't ever been snowboarding and the last time I even saw snow was probably roughly ten years ago. I know, I don't get out much. Thankfully, my brother's girlfriend already had every single piece of gear that I needed and she was nice enough to let me borrow it. We left at 6 am to drive up to Snow Valley. It took us about a hour and a half to get up there and I really had no idea what to even expect. I don't have great balance and I was scared of breaking some part of my body.
We got suited up and headed up to the mountain area. I had a little mini lesson of how to walk with a snowboard and move around with one foot in my bindings. Then it was time to get on the chair lift. Now, I'm not the biggest fan of heights and I knew I was going to eat it trying to get off the lift. We made our way up to the front of the chair lift line and I was pretty nervous! Before I really even knew what was going on, we were on the chair life and away we went up to the beginner slope. It was pretty cool, even if I was shaking!
Then it was time to get off the chair lift. I totally ate it going down the hill and slid down while sitting on the back part of my snowboard. Chair lift – 1, Danica -0. I got strapped into the snowboard and started to slowly make my way down the hill. I think I was most scared of falling and the fall really hurting but it didn't hurt as bad as I thought it would. Slowly and surely I made my way down the mountain. I fell a lot but it was fun and I really enjoyed it. The only major fall I really had in the first run was I totally fell face first right under the chair lift. I was laughing SO hard and the people on the chair lift were laughing at me laughing so hard.
Then I decided that I felt like my feet were in the wrong place so I got my bindings switched around and I felt more comfortable. So we went up for round two, and I successfully fell off the chair lift again. Chair lift – 2, Danica -0. I improved a lot more with each trip down the mountain. I was told at the beginning that it would be easier with more speed, which is scary to believe, but I started to realize this more and more throughout the day. The turning became easier with a little bit more speed, emphasis on the word little.
I seemed to keep most of my weight on my front foot and that is why I kept falling forward. I also found that one of my problems was the fact that I would try to turn to go the opposite way and would end up turning around too far and sliding down backwards, and that scared me so I usually stopped myself. I made it down the hill for the second time and then wanted to go back up again. As I expected, I fell off the chair lift for the third time. Chair lift – 3, Danica -0. It was just always hard for me to keep my balance and so I fell.
I was scared that I was going to get hurt, but it was really, really fun and I lived to tell about it. The last run was the hardest one though because it had gotten icy out on the slope since it was now the afternoon and the fourth time up the chair lift, when I fell off, Chair lift – 4, Danica – 0, I hurt my wrist a little bit. It was getting harder and harder to pull myself up since I was getting so tired. My arms were killing me, when you spend most of the time falling and having to pull yourself back up it's not the easiest but a good workout. This last video is hilarious because I was so tired when I fell I just laid there.
So besides me being pretty green at snowboarding, it was really enjoyable and fun and I hope to go again sometime in the near future. I wasn't sore the next day, only my arms were sore from continuing to pull myself up once I fell down. I improved so much from the first run to the last run, and that night I took a two hour nap. I guess snowboarding is more tiring than you'd think!


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Published by: The American Heart Association
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This brochure provides a complete summary of this very common cardiac procedure and discusses the advances that have been made, and addresses new devices and medications used during and after the procedure. It also includes detailed figures and cross sections to facilitate understanding.
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Piccolo Theatre's The Comedy of Errors was a delight to watch! A Shakespearean play that is already filled with humor and good-natured comedy, Piccolo Theatre took the comedy to the next level by incorporating clowning, physical comedy, and lots of creativity. Set hidden within the Evanston Main Street Metra Station (and by hidden I mean hidden!) in a small and intimate theatre space, Piccolo Theatre's The Comedy of Errors, directed by Christopher Marino promises lots of laughs.
The story itself is a little complicating as the narrative revolves around mistaken identity, wherein two sets of twins, with each set of twins possessing the same name, reconvene unknowingly decades after birth (confused, yet?!). When parents Egeon and Emelia get separated in a storm at sea, their accompanying twin babies, Antipholus (of Syracuse) and Antipholus (of Ephesus) get consequently separated as well, along with the twins' servants, another set of twins, Dromio and Dromio, later known as Dromio of Syracuse and Dromio of Ephesus. The crux of the story really begins when Antipholus and Dromio of Syracuse arrive in Ephesus, subsequently confusing the residents of Ephesus into thinking the Syracusean duo are the real Antipholes and Dromio of Ephesus. The consequent confusion of characters, which in Shakespeare's script is already laugh-worthy, are perfectly played out by each of the actors.
This particular production of The Comedy of Errors is clearly a stand-out due to its unique interpretation. The clever incorporation of music into the play, the clowning and hyper-realism, as well as the creative usage of the set, which included a mobile set of life-size dioramas in which the characters, like puppets, popped in and out of, were all unique additions that Marino cleverly incorporated and executed. The multi-person orchestra, which underscored high strung moments in the play and with which the actor's shared an informal relationship, often queuing the orchestra when sharing bits of their narrative, was always fun to watch. The almost vaudeville aspects of the production also brought a new twist to an otherwise more conventional production of Shakespeare. Adding to this unconventionality, and one of the funniest parts of the show, involved a contemporary miniature toy truck (remote controlled by someone backstage) which boldly entered the theatre space on several occasions delivering messages to the inhabitants of Ephesus.
All of the actors dutifully delved into the comedy of this show and did so with nimbleness, playfulness, and commitment. The innocence by which Max Ganet (Antipholes of Ephesus) and Joe Bianco (Antipholes of Syracuse), in addition to Michael Coale (Dromio of Syracuse) and Nick Amdor (Dromio of Ephesus) played their roles is part of the thrill of watching the play. Amdor and Coale played their roles to a tee---they were comedic and well-worthy of audience sympathy as they attempted to loyally follow their master's orders but instead found themselves in the hubbub of confusion that ensued. Amdor's nimbleness and clown acts were especially entertaining.
Berner Taylor (Adriana) played the domineering, crazy, lustful wife of Antipholus with ease and fun. Her jealousy, confusion, and desire for love were all palpable and could be seen aesthetically through her voluptuous bodily movements as well as through her bold facial expressions.
Glenn Proud (Angelo/1st Merchant) was another delight to watch, both in his clowning tidbits as 1st Merchant and as Angelo, the goldsmith. At the start of the show, he, along with 2nd Merchant (Rob Grabowski) escaped the typical boundaries between audience and actor and comedically interacted with audience members. From Grabowski's meticulous popcorn act wherein he urged individual theatre-goers to take part in his edible delight, to Proud's wide-eyed enjoyment that often coincided with the words "very niiiiice!" (said in an Italian-esque foreign accent), the opening was quite the success. Glenn Proud's mafia-like, portrayal of Angelo, with his gilded jewelry, swagger, and tough-guy air, was just how I would imagine a conniving gold dealer to be, and was added confirmation of his talent as an actor. Vanessa Hughes vaudeville-esque portrayal as Courtesan was also bold, risqué, and highly entertaining.
If you are looking for an entertaining story filled with lots of congenial confusion, a bit of clowning, and an audacious, action-packed theatre experience, then head over to Piccolo Theatre. Who would ever know that within a loud and hectic Metra station one could find an intimate and treasured, high energy Shakespearean experience?
The Comedy of Errors
Written by William Shakespeare
Directed by Christopher Marino
Previews: Sept 2-4
Run: Sept 9-Oct 22, Fri and Sat @ 8pm, Sun @ 3pm
Piccolo Theatre
600 Main Street, Evanston IL 60202
Evanston Arts Depot at the Metra Station


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Power Supply Tattoo Kit 2 Machine Guns
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- Complete professional tattoo kit is a good choice for BEGINNERS, LEARNERS, TATTOO ARTISTS.
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Shared files and printers on a computer are not visible in home network
Shared files or printers on other computers in the home network are not displayed on a computer connected to the FRITZ!Box (for example in the Windows homegroup).
Simply proceed as described below. After each measure, check whether the problem is solved.
Note:All instructions on configuration and settings given in this guide refer to the latest FRITZ!OS for the FRITZ!Box.
1 Configuring the FRITZ!Box
Enabling the FRITZ!Box's DHCP server
In the factory settings, the FRITZ!Box automatically assigns the correct IP settings to all devices via DHCP. If you disabled the FRITZ!Box's DHCP server, re-enable it:
- Click "Home Network" in the FRITZ!Box user interface.
- Click "Home Network Overview" in the "Home Network" menu.
- Click on the "Network Settings" tab.
- Click the "IPv4 Addresses" button. If the button is not displayed, enable the Advanced View.
- Enable the DHCP server and define the range from which the FRITZ!Box assigns IP addresses.
Note:The FRITZ!Box has the IP address 192.168.178.1 (subnet mask 255.255.255.0) and assigns IP addresses from xxx.20 to xxx.200 in the factory settings.
- Click "OK" to save the settings.
Allowing wireless devices to communicate
- Click "Wireless" ("WLAN") in the FRITZ!Box user interface.
- Click "Security" in the "Wireless" ("WLAN") menu.
- Enable the option "The active wireless devices displayed below may communicate with each other" in the "Additional Security Settings" section.
- Click "Apply" to save the settings.
2 Restarting the computer
- Restart all of the computers connected to the FRITZ!Box.
3 Connecting the computer without using guest access
You cannot access the home network and shared files and printers on other computers when using the LAN guest access or Wi-Fi guest access. Therefore, make sure that the computer is not connected with the FRITZ!Box via guest access:
- Either:Connect the computer to the "LAN 1", "LAN 2" or "LAN 3" port.
- Or: Connect the computer to the FRITZ!Box's Wi-Fi network.
4 Configuring the Windows network type
Windows distinguishes between different types of networks and changes its firewall settings depending on whether a network is configured as a private network (home network), work network, or public network. For security reasons, you cannot access shared files and printers in public networks.
Therefore, make sure that your computer is set up for connecting to a private network:
Windows 10
- Click (Start) and then (Settings) in the Windows task bar.
- Click "Network & Internet" in the "Settings" menu.
- Depending on how the computer is connected, select either "Wi-Fi" or "Ethernet".
- Click on the entry for the network connection to the FRITZ!Box.
- Enable the option "Private" in the "Network profile" section.
Windows 8
- Press the keyboard shortcut Windows key + I and click on "Change PC settings".
- Click "Network" in the "Change PC settings" menu.
- Depending on how the computer is connected, select either "Wi-Fi" or "Ethernet".
- Click on the entry for the network connection to the FRITZ!Box.
- Enable the option "Find devices and content".
Windows 7
- In Windows, click "Start" and then "Control Panel".
- Select "Category" from the drop-down list "View by:" on the top right ().
- Click "Network and Internet" and then "Network and Sharing Center".
- If the link "Public network" is displayed in the "View your active networks" section, click this link, select "Home network" or "Work network", and follow the instructions.
Now you can access shared files and printers on other computers.
Important:If a computer and its shared files and printers is still not visible, this is due to a firewall or the configuration of the operating system. Refer to Microsoft or the manufacturer of the firewall for information on how to set it up. You can find instructions on creating a homegroup on Microsoft's homepage, for example see HomeGroup from start to finish.
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EuroView: Quarterly Market Insight - Q3 2015
EuroView: Quarterly Market Insight - Q3 2015
Markets in a tailspin
After the Greek debt negotiations in the second quarter, we highlighted that the main risks on the horizon included US rates and the Chinese economy.
These two issues have indeed dominated the headlines over the summer, sending markets into a tailspin.
The MSCI Europe index lost 8.9% in the third quarter leaving year-to-date returns at +2.8%. When compared to other global markets, Europe has done well so far this year.
The S&P 500 is down -5.3% and emerging markets overall are down -15.6%, although for international investors euro depreciation makes European and US returns comparable on a like-for-like currency basis.
Of course, the US market continues to be the stand-out performer since the depths of the 2008 financial crisis having outperformed Europe by over 40%.
Market volatility has picked up markedly since August when the Chinese made a number of significant policy changes including devaluing the yuan along with some serious stockmarket interventions.
Chicago Board Options Exchange Volatility Index
Source: Thomson Datastream, as at 30 September 2015.
Global investors interpreted these moves as reflecting further weakness in the Chinese economy and misguided policy adjustments on the part of the authorities.
The knock-on effect of a China hard landing on the rest of the global economy is very difficult to quantify but the impact of declining commodity prices on emerging market economies more generally is significant and has been going on for some time.
China forces Fed hand
The uncertainty around China has forced the deferral of a rate increase from the Federal Reserve (Fed).
The recovery in the US economy would suggest to us that Fed Chair Janet Yellen should follow through on her commitment to raise rates this year.
However, in the eyes of the Fed, a rate rise in September was deemed too dangerous for market sentiment given the unpredictability of the Chinese economy.
Alternatively, the Fed may have felt that the strength of the US dollar had already tightened monetary policy and as there is no sign of inflation, saw no reason to raise interest rates at this point.
Whatever their true thinking, subsequent market volatility implies investors have taken the view that the Fed is very concerned about the sustainability of global growth and the risk of deflation.
Europe provides safe haven
As we have stated previously, whilst China has been a significant growth market for European companies, the absolute exposure for European exporters overall is relatively small.
In addition, our portfolio focus has been on companies that were either beneficiaries of the intra-European recovery or alternatively 'safe-haven' companies with little or no exposure to the emerging market slowdown.
We retain this overall view but it is critical that we constantly challenge our investment theses. With this in mind, we will use the rest of this review to explore further many of the issues discussed so far.
Europe's exposure to China
As European equity investors, how concerned should we be about a Chinese economic slowdown? The answer is that we should probably be concerned, but not to the degree the headline writers would have us believe.
Companies are very reluctant to provide a breakdown of their sales or profits at the country level, primarily for competitive reasons.
We know that roughly one third of sales within the MSCI European universe of companies go to emerging markets, but beyond that there is very little detail.
At the EU level in 2014, goods exported from the EU amounted to approximately €1.7 trillion, of which only €165 billion, or less than 10%, went to China.
This compares with around €2.8 trillion of goods traded within the EU.
Many are doubting the sustainability of the recovery in Europe, particularly given events in China.
To put this in perspective, the value of Chinese exports from the EU are slightly more than goods exported to Switzerland, or around half those to the US.
Of course, the average Chinese export growth rate of 9.8% per annum between 2010–14 has helped the struggling European economy, particularly during the eurozone crisis.
Looking forward, however, we believe the domestic consumption story is a more significant driver of the economy than exports, and we touch on this in more detail later.
We should also be cognisant of the mix of industries that are susceptible to a slowdown in exports; for example 70% of EU goods exported to China fall within the industrials sectors, namely machinery, transport equipment, chemicals and related products.
Consequently, a bias towards businesses that benefit from the pick up in intra-European trade should be beneficial for portfolios.
European recovery?
The European Central Bank (ECB) provided a significant boost to the eurozone economy in January through the quantitative easing (QE) programme.
Prior to the summer, asset prices, including equity markets, benefited from the increased liquidity and the weaker euro.
Recently though, Mario Draghi has warned that global forces are likely to negatively impact GDP growth and commodity price declines will prevent the ECB achieving the 2% inflation target anytime soon.
In addition, he has already alluded to a probable extension of quantitative easing beyond the original September 2016 end-date.
Of critical importance to Draghi is the euro, which has been trading in the 1.1–1.15 range versus the dollar for the last five months.
Euro/Dollar exchange rate
Source: Thomson Datastream, as at 30 September 2015.
Quantitative easing will help keep the euro under pressure especially if the Fed does decide to raise rates.
We've seen a near 20% fall in the euro versus the dollar since mid-2014, which has helped corporate earnings growth; estimates suggest a 10% decline in EUR/USD translates into approximately 5% earnings growth.
The decline in the oil price has of course also provided an implicit tax cut for consumers.
Despite these tailwinds, many are doubting the sustainability of the recovery in Europe, particularly given the China events discussed previously.
We would take a more optimistic view based on the consumer confidence and retail sales data ...
Euro area consumer confidence and retail sales
Source: Thomson Datastream, as at 30 September 2015.
... as well as the purchasing managers' index (PMI) surveys and loan demand, particularly given continued monetary easing.
Eurozone PMI surveys and credit expansion
1Source: Thomson Datastream, Markit Economics, 15 September 2015.
2Source: Thomson Datastream, as at 30 September 2015.
During the quarter just gone, the international cyclical sectors were the hardest hit with the German market in particular suffering on account of their export bias.
The more defensive sectors continue to perform well such as consumer staples and healthcare.
Correlations in markets overall have increased as the macro uncertainties have dominated sentiment recently.
Rising stock correlation in Europe
Source: Schroders, Bloomberg, as at 29 September 2015.
In particular, companies with commodity exposure have performed almost uniformly badly while defensive stocks with annuity-like characteristics have likewise nearly all performed well.
We very much see greater correlations in markets as an opportunity given our focus on bottom-up stockpicking where we can identify greater differentiation between companies than is currently being factored into share prices.
From an international trade perspective, we know Europe has a far more open economy than the US with international EU exports as a percentage of GDP more that 3 times that of the US.
Concern therefore is building around European corporate earnings and it is perhaps not surprising that confidence is fragile, all the more so given the Volkswagen scandal. (link)
Whilst the most recent one month earnings revisions chart has turned sharply negative at the global and European level, we see this as a somewhat specific commodity- and autos-related downgrade.
European earnings revisions
Source: BofA Merrill Lynch Global Quantitative Strategy, September 2015.
The longer-term outlook and the real impact of QE is a much larger topic.
The world's stubbornly high debt levels, deflationary forces, structural reforms and lack of fiscal cohesion all point to a fairly uncertain environment. Some of these structural issues will take many years to resolve.
Greece's problems are not over and the popularity of nationalist parties in many countries could well increase with the current refugee crisis.
Our view is that whilst Europe has its problems, the reality is that, despite Volkswagen, the EU is home to some of the best companies and those should command a premium in an uncertain world.
The cyclically adjusted price-earnings chart illustrated shows that long-term European valuations overall remain at a discount to the US and many companies will benefit from utilising excess capacity as the economy grows, albeit slowly.
Cyclically adjusted price to earnings ratio
Source: Thomson Datastream, Schroders, 30 September 2015.
What are the US risks?
Never has there been so much deliberation over a shift in rates by the Fed.
The irony is that given interest rates are close to zero, it's difficult to see what impact a 25 basis point increase will have on the underlying economy.
The move has become almost entirely symbolic, with the market now paranoid about what a move or non-move might mean for the global economy, let alone for the US itself.
The Fed's predictive ability during the global financial crisis would suggest it is not much better than anyone else in anticipating global trends.
Over the last 25 years, the first interest rate hike has been greeted with an average 7% fall in the S&P500.
However, over the following six months, the market has rallied back above the starting point as the focus has shifted towards the strength of the underlying economy, the improved outlook for corporate earnings and so on.
This has happened three times since 1990, but this time things are different.
The market has already declined in anticipation, the dollar has strengthened and we are already well into the corporate earnings cycle where margins are at historic peaks.
The following two charts compare forward earnings per share and historic margins for Europe and the US.
Trailing 12-month net profit margin (%)
Source: Bloomberg, 31 August 2015.
Forward earnings-per-share
Source: Thomson Datastream, 30 September 2015.
Headline unemployment has come down to levels that would indicate rates should go up.
The problem is that there is no sign of inflation, which is usually the result of tightening labour markets and greater utilisation of spare capacity in the economy.
Once again we have to look to China, where increased global deflationary forces are being created.
Commodity prices buoyed by infrastructure expansion in China over the last decade are normalising and excess capacity built in China during its boom period is producing goods that now flood global markets, thus lowering prices.
US unemployment and inflation
Source: Thomson Datastream, August 2015.
The Fed's reluctance to raise rates is understandable, especially given the pressure on corporate earnings revisions which through a combination of dollar strength, imported deflation and tightening labour markets, have lurched downwards.
The problem for us is that it doesn't seem healthy to have market sentiment so obsessively attached to mutterings about rates around the Fed meeting schedule.
The Fed's predictive ability during the global financial crisis would suggest it is not much better than anyone else in anticipating global trends.
Governance and sustainability
Another major factor impacting sentiment during the third quarter was the Volkswagen scandal which is off the Richter scale in terms of corporate governance abuse.
We pride ourselves on investing in sustainable business models and we believe companies that embrace and actively promote strong corporate governance will flourish in the future.
The warning signs with Volkswagen have been there for many years given the ownership and boardroom structure, but the magnitude of this debacle surprised us.
The reverberations around the autos sector and the market more broadly have been significant and there's no doubt confidence has been shaken.
We allocate capital on behalf of our clients and we do so having carried out thorough, independent analysis on all aspects of our companies.
Whilst hidden practices are virtually impossible to detect from the outside, our industry has to improve in pressurising European companies to adopt better governance practices.
There were many tell-tale signs at Volkswagen, such as a totally ineffective whistleblowing policy and the low level of board independence.
With only one board member out of 20 considered independent, there cannot be a culture of challenge and, whilst we welcome the announced management change, it feels cosmetic rather than transformational.
The controlling shareholders, the Piëchs and the Porsches, are aligned with shareholders in terms of generating shareholder value, but the lack of independence has undoubtedly been a contributor to poor risk management and oversight.
The company has been managed as a private, family-run company with little evidence of board effectiveness.
This apparent sloppiness and arrogance is reflected in the time taken for the company to respond to the initial claims of faulty software (the so-called 'defeat device') coming from the US investigative body, the International Council on Clean Transportation (ICCT), as early as 2014.
Whilst hidden practices are virtually impossible to detect from the outside, our industry has to improve in pressurising European companies to adopt better governance practices.
The sustainability of their businesses depends on it and we at Schroders are an increasingly loud voice in this regard.
UK-specific factors
The UK market fell almost 6% in the third quarter as victims of potentially slower global growth led the market lower.
The worst-performing sectors were mining (-32%) and oil and gas (-10%) where the China association is obvious.
The small- and mid-cap, more domestically-focused area of the market fared better (small-cap -2%, mid-cap -4%) as the prospect of UK interest rate increases has receded in the short term.
Earnings risk has also been a feature, particularly for those companies with stretched balance sheets.
The extreme example is Glencore, where the company is completely at the mercy of the copper price. However, more defensive companies such as Tesco and AA have also been under pressure.
For related content:
Chinese government government stimulus to boost sentiment but not growth
March 2016 eyed as Fed aborts lift-off
European equities could provide safe haven amid global uncertainty
VW emissions scandal: the death of diesel and the impact on the auto industry
Greece to receive pay-as-you-go bailout
On a brighter note, rumours of a bid for SAB by the global giant ABI helped push the defensive consumer sector to even higher relative multiples.
Looking to the future, the UK represents 31% of the MSCI European index which makes it twice the size of the next largest country, France.
Typically, it's unusual for us to get too concerned about country weightings within a Pan-European portfolio, but the looming EU referendum means the specific risks around UK corporates are likely to increase as we approach the 2017 deadline.
Whether you're in favour of remaining in the EU or not, the debate is predominantly political and factual evidence seems limited or anecdotal.
What is clear over recent months is that the result has become too close to call.
The new Labour leader, Jeremy Corbyn, has made a commitment to support continued membership but it has been questioned in some quarters whether his leadership will survive long enough for this to matter.
Prime Minister David Cameron, on the other hand, whilst supportive, faces a small army of disgruntled back-bench Tory MPs who seem determined to throw down the gauntlet whatever the outcome of his negotiations in Brussels.
Simplistically we can think of Cameron's demands in the following categories;
- Request for EU reform to curb access to benefits of migrant workers, promote deregulation and limit intrusions from Brussels
- Guarantee UK will not be disadvantaged given non-membership of the euro (essentially safeguarding the City of London?)
- 'Opt out' from the path towards greater 'union'
The last point is political and everyone will have their view.
If the second point is indeed directly related to the City of London then it seems the financial services industry would prefer to stay in the EU.
This is the conclusion of a study by the CSFI (Centre for the Study of Financial Innovation) in April this year when 73% of respondents said they would 'definitely' (49%) or 'probably' (24%) vote to stay in while only 12% will 'definitely' vote to get out.
Admittedly this is only one survey but more relevant is that this is only one industry, albeit a significant one.
Perhaps more importantly for us as investors is how British companies believe their businesses will be impacted if the UK leaves, which is the thrust of the first of Cameron's demands.
Either companies feel they benefit from being part of a free trade area where the lack of borders is crucial, or alternatively, they view red-tape from Brussels as prohibitively expensive and believe that they would thrive with less regulation.
There's little doubt that the global theme of deflationary pressure is placing corporate earnings at risk.
It is this last point which we believe is worthy of further debate and understanding, namely what is the impact on the real economy if Britain leaves the EU?
We do not have the information at present to make an informed judgement on this point, but we are working on it.
We hope to continue this discussion in subsequent reviews with more economic analysis to help steer the debate away from purely politics.
Concluding remarks
This review clearly demonstrates why we've seen an escalation in volatility in global markets, and recently emerging tensions in the Middle East between Russia and the US can only exacerbate the situation.
Fears of a Chinese slowdown are unlikely to subside anytime soon and the Fed decision on rates, whilst arguably not that important for the underlying economy, is making the market nervous.
There's also little doubt that the global theme of deflationary pressure is placing corporate earnings at risk.
Closer to home, the domestic European recovery is showing some resilience and our portfolios should benefit from a pick up in intra-European trade and consumption.
But we are not complacent. We know QE can distort markets and will have to end at some point.
Global volatility looks set to continue but we will strive to find the most attractive companies for our clients' portfolios, ones we believe can outperform in this uncertain environment.
Important Information: This communication is marketing material. The views and opinions contained herein are those of the author(s) on this page, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. This material is intended to be for information purposes only and is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Reliance should not be placed on the views and information in this document when taking individual investment and/or strategic decisions. Past performance is not a reliable indicator of future results. The value of an investment can go down as well as up and is not guaranteed. All investments involve risks including the risk of possible loss of principal. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. Some information quoted was obtained from external sources we consider to be reliable. No responsibility can be accepted for errors of fact obtained from third parties, and this data may change with market conditions. This does not exclude any duty or liability that Schroders has to its customers under any regulatory system. Regions/ sectors shown for illustrative purposes only and should not be viewed as a recommendation to buy/sell. The opinions in this material include some forecasted views. We believe we are basing our expectations and beliefs on reasonable assumptions within the bounds of what we currently know. However, there is no guarantee than any forecasts or opinions will be realised. These views and opinions may change. To the extent that you are in North America, this content is issued by Schroder Investment Management North America Inc., an indirect wholly owned subsidiary of Schroders plc and SEC registered adviser providing asset management products and services to clients in the US and Canada. For all other users, this content is issued by Schroder Investment Management Limited, 1 London Wall Place, London EC2Y 5AU. Registered No. 1893220 England. Authorised and regulated by the Financial Conduct Authority.


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Chief of Staff Mike Bonin wrote in the Dec. 2010 Venice Neighborhood Council Newsletter:
At the councilmember's request, Police Chief Charlie Beck assigned 21 additional officers to the area. LAPD formed a Venice Homelessness Task Force, ... City prosecutors are training cops to build evidence against people violating laws that prohibit living in vehicles.You are not allowed to sleep in your car here. You are, however, allowed to sleep on the sidewalk between the hours of 9pm and 6am.
I have occasionally slept in my car, although never in Venice. In Venice, my car is parked in it's spot and I sleep in my bed under my roof. But I have been on the road and found myself perhaps too far from a motel or maybe I didn't have the money for one, or perhaps I just needed to catch a few hours of sleep so that I could safely resume driving. But whatever the reason, I never thought it a good idea to get out of my car and sleep on the pavement as the LAPD demands. I always knew that I would be safer, more comfortable and better protected from the extremes of weather if I slept in my locked car than if I slept on the sidewalk. I'm sure you will agreed, just don't try that in Venice.
In Venice, with this Venice Homelessness Task Force in the lead, the LAPD has been very busy and successful in finding people caught napping in their vehicles and arresting them for violation of 85.02. While these "criminals" are getting out of jail, their RV, van, truck or car is ticketed and towed. Often to a city lot in Sylmar 38 miles from Venice. Any pets are taken to a pound somewhere else. By the time these now twice troubled families get bailed out of jail, the towing charge and daily storage charges grow the cost of retrieving what is probably their last major possession beyond their reach and that relatively safe place to sleep is gone forever. So impoverished, they need to look for a shopping cart for their few remaining possessions and are forced to start sleeping on the street.
And that is what the Councilman intends. He is using the law to run poor people out of Venice. That is why he is putting addition LAPD resources into the vigorous enforcement of 85.02. He has the support of wealthy and influential developers who see poor people in Venice as a factor in lowering property values. Last night (14/04/11) a speeding SUV ran into an apartment building at 504 Pacific Ave and instantly turned two families out into the street. The lucky part was that no one was killed. By contrast you will find no vigorous enforcement of the speed limit along Pacific Ave in spite of longstanding community demands, because slowing down traffic on Pacific will make living in South Venice and Marina Del Rey less fun and thus with lower property values.
The police don't always arrest the sleeper and tow the vehicle. Maybe a big tow truck wasn't available. Sometimes they let people off with a warning. Like if they are even caught driving through Venice, they will be arrested and towed. And they can do it. Any time. Any place. I heard they took the keys out of one woman's hand while she has standing outside, went into her bus, took pictures to prove she had been living in it, the criminal, and by now you know the drill, had her vehicle towed, her pets sent to the pound and she to jail. I've heard enough stories about threats and beatings [ I saw the bruises on my friend Petr's back - 13/04/11 ] to know that the LAPD is resorting to the tactics of thugs in their effort to run poor and homeless people out of Venice.
There is a problem with 85.02. Equal justice is not a phrase that can be applied to all laws. Sometimes the law is wrong and the people are right. Sometimes a law has no moral right to exist. When that happens, the people opposing the law become the righteous ones and the law enforcement agencies become thugs.
This is not the first time an reconcilable contradiction has existed between what is law and what is justice. For the first 80 plus years of this nation's history slavery was the law of the land. In that case the contradiction between law and justice was so sharp that a bloody and protracted civil war had to be fought to set matters right. But before that, before that law had been overthrown, slaves that 'ran away' and those that helped them were branded as "criminals" and everywhere in the United States, law enforcement was expected to add capturing "runaway slaves" to their long "todo list."
I'm sure the Venice Klan, in it's day, rallied behind the demand for vigorous enforcement of the slave codes with the simple demand "It's the law! Enforce the law!" To do otherwise would have lowered "property" values.
But I think that "law" had no moral foundation and as a result the police that caught runaway slaves turned into thugs, we know from the historical record that they acted like thugs, and the runaway slaves and those who supported them were the righteous ones.
Similarly, I think those that fight and have fought to see that women have safe abortions on demand, even when it was illegal, have been the righteous ones, and those that attempted and still attempt to jail people for exercising that right are thugs.
Another example of the contraction between the law and justice can be found closer to home and nearer to the present in PC 286, California's law against anal penis contact ("however slight!") which was not overthrown until 1976. I wonder if Bill Rosendahl was a "criminal" in those days or was he more consistent, calling for special squads of LAPD to bust into Venice bedrooms and vigorously enforce PC 286 because "it's the law."
He may have thought like that back then, I know some people did. But I think they were wrong. I think that law had no moral foundation. I think the people that said the law had no business telling consenting adults how to have sex or who with were the righteous ones and the enforcers of that law were the thugs.
Under the concrete conditions of today, in which 1.) Many people are being made homeless as a result of circumstances over which they have no control and 2.) Neither they nor the city can provide them with a safer or healthier place to sleep than their vehicle, a law which demands that these people sleep "legally" unprotected on the sidewalk lest they be jailed and have their vehicles towed is without moral foundation. There are no proclamations of judges or councilmen that can give it one. Under these circumstance those that enforce the unjust law become thugs and those that fight it, like recently arrested Venice Neighborhood Council rep and feeder of the homeless, Ivonne Guzman, and my friend Petr, who was with her at the time, are the righteous ones. It is simple as that.
Overthrow 85.02!
After the meeting I got this Hateful Phone Message.


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Sport, Recreation & Leisure Recruitment Agencies Directory
The Sport, Recreation & Leisure industry is a significant source of employment opportunity in the UK, and provides jobs for about 2% of the national workforce: some 600,000 people. It is also a growing sector, which has been steadily expanding its employment base in recent years as gyms and recreation centres pop up nationwide.
Most of the positions commonly available through recruitment listings involve spa and beauty, fitness, massage, and personal training. The majority of the sector's workforce is aged 20-35, and most roles require fitness-minded individuals. Working hours can sometimes be irregular and anti-social, as night and weekend shifts are obligatory for certain jobs. More than half of all professionals in the sector are employed on a part-time basis, which is roughly twice the average for most other industries in the UK.
Salaries typically start around £15,000 annually, and about 45% of those employed in the sector earn between £20-25K. Earnings, however, can reach as much as £40K or more. In London, employees can expect to earn significantly more than their counterparts elsewhere in the UK, and average incomes in the city are about £33,000. The North East and South West are also relatively high-paying regions.
Press "Search 8000+ Agencies" when your new query is ready.
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YOO Recruiment
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Quest Software suggests that organizations are using two or more backup products to protect their physical and virtual machines. Justifying its most recent product launch on the basis of this "finding", the company has enhanced its Ranger virtual data protection solution to its version 6.0 release.
Aiming to provide a "single source" VMware-powered backup across both environments, vRanger 6.0 spans physical and virtual environments and also provides a chance to back up and restore physical Windows servers.
Quest says that vRanger 6.0 enables physical server backup by deploying distributed agents that send data directly from source to repository. This engineering is intended to improve scalability by eliminating an extra step and bottlenecks in the backup process.
VMware Ready certified for vSphere 5, vRanger 6.0 provides OS support for Windows Server 2003 and 2008. Its development team also confirms that it will support Windows Server 2012 upon its release to market. In addition, vRanger 6.0 provides application-consistent snapshot backups for a number of Microsoft applications, including Exchange, SQL Server, SharePoint, and Active Directory via Microsoft's VSS.
"While vRanger was among the first innovators of virtualization-specific protection, it's great to see Quest adding physical server protection as well. Customers who wholly embrace virtualization can often face a challenge when their preferred data protection solution is virtualization-only, and are forced to use a second tool to protect their few remaining physical servers," said Jason Buffington, senior analyst on Data Protection at Enterprise Strategy Group.
"With these new capabilities, vRanger customers will be able to enjoy a single solution for their whole environment. Quest's new capabilities and future roadmap align well with what ESG is seeing in trends towards unified protection of physical and virtual, among other data protection modernization trends," he added.
"Unlike legacy physical backup solutions, vRanger was architected specifically for the virtual environment, and unlike niche, virtualization-only backup solutions, it now provides the ability to protect the physical machines organizations have yet to virtualize. We believe this functionality fills a major gap in the backup market," said John Maxwell, vice president of product management, data protection, Quest Software.


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More news of weak links in American higher education has made the rounds in recent weeks. Researchers tell us that thirty percent of college seniors are no better at writing or thinking critically than they were as freshmen. This revelation probably doesn't surprise many of us who work in the academy. Nonetheless, it's not easy to hear, especially if you care about teaching. And I do. A lot.
It's because I care about teaching, in fact, that I recently partnered with a school district north of Philadelphia to apply for a Teaching American History (TAH) grant. For those of you who don't know, TAH grants are competitively awarded by the U.S. Department of Education to help K-12 teachers fine tune their history chops. Big wads of Federal cash support partnerships between school districts and organizations with "content expertise" (e.g. a university history department or a professional association like the NCPH) that, together, work toward improving our kids' ability to–this is the important part–think critically about history. It's a crucial program that, of course, is in imminent danger of being cut.
In any event, I offered Temple's Center for Public History as a vehicle through which to launch what I thought was a pretty smart three-year course of TAH seminars and summer institutes for about 30 high school teachers. Imagine my surprise, however, when I arrived at our first planning meeting to discover that my partner had asked a third party, a professional TAH grant getter, to join our meeting. This had evidently been a last-minute request, born of fears that my partner's own grant writer and the Center's collateral expertise might not be enough to get the proposal in on time.
Some background. Almost as soon as the TAH program began in 2001, professional TAH hacks started popping up everywhere. These businesses, with official sounding names like the "American Institute for History and so and so," are parasitic in the same way that test prep companies like Kaplan are. The test prep folks feed off of the demand created by educational standards that American schools are perpetually unable to achieve by themselves. The TAH hacks feed off of K-12 educators' inability (perceived rather than real, I'd argue) to gather the time and resources necessary to wade through a cumbersome grant application. The hack makes money by taking a cut of the grant in trade for assembling the application materials and contracting with university faculty who sign on as talking heads.
In other words, TAH hacks write TAH grants and they do it fast and reliably. That's not a bad thing, necessarily. The problem is that even hacks have to make a living. Here's where we get into trouble…
Hacks are good at getting grants because: 1) they've got the manpower; 2) they're fluent in granteese (and regional dialects therein); 3) they assemble reliable pools of cash-hungry faculty, er, content expertise; and, 4) they dress their proposals up with a lot of spiffy extras like client-ready websites with, and this is key in K-12 circles, lots of "free" course materials (e.g. handouts about Ben Franklin and stuff). The hacks are good at getting grants because they've put together a strong business model.
There are at least four very big problems, however, with this particular business model. First, it is a business model. In other words, what these folks do is motivated not so much by a commitment to critical thinking (remember the purpose of the TAH grant?) as it is a commitment to, well, staying in business. Second, when a school district partners with a hack, it partners with a business, not a community of historians. This is a bad recipe for ongoing partnerships between school districts and regional colleges and universities. Third, toward improving their odds of securing the grant, hacks design safe programs that emulate past successes. So much for innovative pedagogy. And finally, in our case at least, the hack's business model demanded a closed shop. If my partner chose to work with the hack, then I and my plan would be…history.
Faced with a choice between convenience and vision, and even though the teachers preferred my plan, my partner chose the hack.
I'm mad about this. I'm mad that my partner sold me out so easily. I'm mad that I invested so much time in developing a proposal that, at best, will be ignored and, at worst, will be co-opted by the hack. I'm mad that the Center, whose interest in this project was primarily intellectual, got outmaneuvered by a hack whose interest was primarily pecuniary. But what really irks me is knowing what my partner will get if the hack's plan is funded.
An example. I proposed using the grant to help teachers and students curate their own digital (and 100% free, by the way) local history archive in cooperation with several regional museums and historical societies. We even had a cool tie-in lined up with ExplorePAHistory.com. This was going to be a fun, cheap, and fairly innovative way to confront students with hard questions about which parts of our past get remembered, and which do not.
The hack countered with his company's canned WEB resource. An "award-winning" website packed full of freebies and with all the javaesque glitz of the internet a la 1997. Granted, a crummy WEB site isn't necessarily the end of the world. It's how you use it. The hack showed us how to use his. Pointing to a digital reproduction of Emanuel Leutze's iconic Washington Crossing the Delaware (1851), the hack demonstrated an interactive feature that revealed flaws in the artist's rendering. He made a game of it:
"O.k., everyone, what's wrong with this painting?"
"The sun is shining," someone offered.
"Good!," said the hack, "Remember that Washington crossed at night."
Another someone: "Why's he standing?"
"Ha," the hack snorted, "would somebody as smart as George Washington really stand up in a rickety old boat!?"
And so forth. We never got to juicier questions about why Leutze painted this scene seventy-five years after the fact (and in Europe, no less) or why Americans have come to cherish such a "flawed" painting. What's more, the hack's larger vision for the TAH grant was as generic as the Leutze exercise—a big one-size-fits-all themes-and-issues-in-American-history routine, even though the school district had specifically requested an emphasis on local history that might help young folks understand the devastating poverty that had overcome its rural coal-mining community during the last generation.
Underwhelming website and limited vision notwithstanding, the brutal reality of this unfortunate episode is that what passes as "critical thinking" among our nation's TAH hacks and their various educational products seems to be, in this case at least, a vacuous true-and-false game in the myth buster tradition. Difficult questions are traded for platitudes. Teachable moments are lost to content experts whose expertise doesn't necessarily pertain to the places where school kids struggle to make sense of their own worlds. Teachers never realize that the classroom freebies offered by hacks are freely available elsewhere and that co-authoring new and free digital tools with students requires little more than a few days training. It's not hard to see, in this light, how long-term gains in critical thinking loose out to short-term profits.
And the American education system stumbles along on its path to oblivion…
So, who is to blame for this problem? The hack? Maybe the Fed's byzantine grant apparatus? What about all those professors who cash in on TAH gigs without really understanding how the money works, or doesn't work? The list could go on since, in one way or the other, all of us with a hand in the education game are implicated. My concern, however, is not to point fingers or even to beat up too much on the hack. All of us, after all, are trying to make a living. I'm more worried about how to make my colleagues aware of the impact they have, even if unwittingly, at every level of the American education system. If it's critical thinking that we want, then all of us must ensure that it's critical thinking we get. Talk to K-12 teachers, learn what they're dealing with, leverage your university resources, and create partnerships with these folks that prevent them from having to choose between innovative vision and the promise of convenience.
And, perhaps most importantly, show your advisees that doing history well requires an ethical commitment to doing the best work possible, no matter what the context. We can't get rid of the hacks, but we can encourage a new generation of entrepreneurial historians to find a better balance between profit and professionalism.


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A delicate and subtle design, developed from a C18th Indian book end paper.
|Fabric Width:
|135 cm - 53 1/8 in
|Pattern Repeat:
|8.5 cm - 3 3/8 in
|Joining Width:
|126 cm - 49 5/8 in
NOTE: We advise that fabric batches will slightly vary, please request a stock cutting prior to ordering. Most fabrics are in stock but do check on current availability. Measurements given are approximate. The joining width measurement is based on one join, if you require more than one join please contact us for further information. Copyright © Robert Kime 2020
Please note: Cuttings are charged at $2.00 each (Inc VAT).Add to basket Processing...


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"The Internet is a wonderful place to be, and we're leading there," said Arthur Sulzberger, owner, chairman and publisher of the New York Times in February 2007. "I really don't know whether we'll be printing the Times in five years, and you know what? I don't care either," he said.
Good thing Mr. Sulzberger doesn't care because "print" editions of many newspapers seem to be living on borrowed time….and money….
The New York Times Co's November advertising revenue fell 20 percent, the company said on Wednesday, illustrating how the financial crisis is aggravating dizzying revenue declines at U.S. newspapers.
Ad revenue at the publisher's New York Times Media Group, which includes the Times newspaper, fell 21.2 percent from a year earlier because of a drop in real estate and jobs classified advertising.
Studio entertainment, automotive, book and financial services ads also were weak, the Times said in a statement.
The New England unit, which includes The Boston Globe newspaper, as well as the group representing its other U.S. papers, also fell.
Total company revenue fell 13.9 percent.
Internet Victim? Washington Post, Baltimore Sun to Share Content
New York Times Accused of "Gross Negligence"
Read the rest:


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Real Time HFT Regulation Imperative for Edgar Perez at CME Group's Global Financial Leadership Conference in Naples Beach, FL
In an area of finance predicated on speed, regulation must be as well, said Edgar Perez, author of The Speed Traders, An Insider's Look at the New High-Frequency Trading Phenomenon That is Transforming the Investing World (http://www.TheSpeedTraders.com), at CME Group's Global Financial Leadership Conference (GFLC), Nov. 12-14, 2012, at the Ritz-Carlton Beach Resort in Naples, Fla. The GFLC is an exclusive event that brings together decision-makers from the world's leading financial institutions to discuss emerging geopolitical trends, debate critical economic issues and provide perspectives on future developments in the financial marketplace.
At panel Evolving Capital Market Dynamics: Volatility, Liquidity and High Frequency Trading, moderated by Michael Mackenzie, U.S. Markets Editor, Financial Times, Perez was joined by Daniel Coleman, Chief Executive Officer, GETCO, Jeff Jennings, Global Head of Listed Derivatives, Credit Suisse, and Richard Prager, Global Head of Trading and Capital Markets, BlackRock. Perez advocated for real-time information that would allow regulators to see everything that is occurring in the markets, no matter how quickly the order information is being posted and transactions are occurring. This would require significant commitments to invest in both human capital and information technology, but the investment is worthwhile: it is vital for regulators to level the playing field of high-frequency trading, concluded Perez.
Keynote speakers for this year's conference include Sir Richard Branson, Founder, Virgin Group, and Condoleezza Rice, U.S. Secretary of State (2005-2009). Additional featured speakers include Madeleine Albright, former U.S. Secretary of State; James Carville, Political Strategist; Richard Kauffman, Senior Advisor to the U.S. Secretary of Energy; Ted Koppel, award-winning journalist; John Lipsky, First Deputy Managing Director, IMF (2006-2011); Karl Rove, former U.S. Deputy Chief of Staff to President George W. Bush; and Jimmy Wales, Founder, Wikipedia, and 2012 Fred Arditti Innovation Award Recipient.Read Full Post | Make a Comment ( None so far )


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For years, this columnist and others have been screaming from the rooftops that excess pounds are unhealthy. Now several reports show that a healthy weight is not that simple, and it's possible to be hefty and healthy.
For years this columnist and others have been screaming from the rooftops that excess pounds are unhealthy. Now several reports show that a healthy weight is not that simple, and it's possible to be hefty and healthy. So how should you measure it?
A study of 2,600 people published in The Journal of The American Medical Association showed that physically active people had about the same mortality rate regardless of whether they were underweight, normal weight or overweight. In fact, the news was even better for those who were overweight. People who were obese but fit and in good cardiovascular health had a strong survival edge over those who were thin couch potatoes.
I've told patients for years to buy a scale and step on it every day. That's because I see too many patients who say to me, "I didn't realize I'd gained so much weight." But researchers at Harvard University and Brigham Women's Hospital report that weight loss is not the whole story.
To reach this conclusion, researchers followed the lives of 27,000 women ages 45 and older for 10 years. At the end of the study, women who were physically active had a 40 percent less chance of a heart attack or stroke than those who were physically inactive. The big message: Exercise can improve health even though the scale doesn't budge one pound.
So why have we been so insistent that everyone should be careful about putting on extra pounds? For years, the gold standard for determining whether you're the right or the wrong weight has been the body mass index. Now, experts claim it's an inaccurate way to assess overall health. Rather, the determining factor should be healthy lifestyle, not strictly the numbers on a bathroom scale.
But wouldn't it still be wise to lose a few pounds to live longer? The well-respected National Health and Nutrition Examination Survey has also shot this theory down. In fact, this study and a dozen others have shown that moderately overweight people live just as long, or a little longer, than so-called normal weight ones.
I love potatoes, so at this point I'm about to tell the waiter I'll have a double order of mashed potatoes. Extra pounds be damned.
But the prestigious New England Journal of Medicine, noted for its scientific thoroughness, published two studies that reached further conclusions about weight. One involved 1.2 million Korean women. The other study analyzed 500,000 members of the American Association of Retired Persons. Both reports showed an increase in mortality in those who were only moderately overweight.
So I believe you should think twice if you still want to order "double mashed." I always cast a jaundiced eye at large statistical studies, particularly when they reach divergent conclusions. I believe you get closer to the truth by using good old-fashioned horse sense.
We know it's a "no-brainer" that marked obesity does not foster a long life. Excessive weight is associated with a host of medical problems such as diabetes, hypertension, cardiovascular disease and other life-threatening troubles. And one of the best ways to assess potential medical problems is the circumference of the abdomen. Women should try not to exceed 90 centimeters (35 inches) and men 100 centimeters (40 inches).
So let's end on this happy note reported in the American Journal of Public Health. Columbia University researchers studied 170,000 people and found that those who were happy with their weight, regardless of their size, were in better physical and mental health.
Dr. W. Gifford-Jones is actually Dr. Ken Walker, a practicing physician in Toronto who writes many columns at his Bristol Harbour, N.Y. residence.


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UNIVERSITY PARK, Pa. — Tennis player Petra Januskova and football player John Urschel have been selected as the 2013 recipients of the Ernest B. McCoy Memorial Award.
The McCoy Award is presented annually to one senior female and one senior male student-athlete who have combined successful athletic participation with academic excellence. The award is named for the longtime dean of Penn State's College of Physical Education, who also served as the University's athletic director.
Football Coach Bill O'Brien has called Urschel "one of the team's top players." From Williamsville, N.Y., the guard is among the Lions' most experienced linemen and received the 2012 Frank Patrick Total Commitment Award for commitment to academic pursuits, off-season preparation, in-season commitment and community service. After six consecutive semesters with a 4.0 grade point average, he graduated with a bachelor's degree in mathematics in three years and served as the student marshal for mathematics graduates at commencement. In December he was named to the Capital One Academic All-America first team. He is studying for a master's degree in mathematics.
Going into the 2012-13 season, Januskova ranked No.52 in the Campbell/ITA college tennis singles poll and No. 42 in doubles. She won the singles tournament at the ITA Atlantic Regionals, defeating the regional No. 3 seed, and went on to compete in two matches at the USTA/ITA National Intercollegiate Indoor Championships. She was named to the All-Big Ten first team in both her sophomore and junior years. From Ottawa, Canada, she is a senior majoring in marketing.


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text: Varicella (Chickenpox) Chickenpox is a very common childhood disease. It is usually mild, but can be serious, especially in young infants and adults. Hepatitis in Children Six main types of the hepatitis virus that have been identified: A, B, C, D, E, and G. Vaccination can protect children from several forms of hepatitis. Infectious Mononucleosis in Teens and Young Adults Infectious mononucleosis is caused by either the Epstein-Barr virus or the cytomegalovirus, both of which are members of the herpes simplex virus family. Meningitis in Children Meningitis is an inflammation of the membranes that surround the brain and the spinal cord. Bacteria or viruses are the more common causes. Mumps Mumps is a highly contagious viral illness that usually occurs in childhood. It is no longer common in the United States because children are now vaccinated against it. Tetanus in Children Tetanus is an acute, sometimes fatal, disease of the central nervous system, caused by the toxin of the tetanus bacterium, which usually enters the body through an open wound. Whooping Cough (Pertussis) Whooping cough, or pertussis, mainly affects infants and young children. It is characterized by intense coughing spells that end with a characteristic whoop as air is inhaled. Roseola Detailed information on roseola, including cause, symptoms, diagnosis, and treatment Rubeola (Measles) Detailed information on measles, including symptoms, complications, prevention, and treatment Scarlet Fever Detailed information on scarlet fever, including causes, symptoms, diagnosis, and treatment Tuberculosis (TB) in Children Detailed information on tuberculosis, including risks, symptoms, causes, diagnosis, and treatment


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BCN Advantage℠ HMO-POS and BCN Advantage℠ HMO Formularies
The BCN Advantage℠ group and individual comprehensive drug formularies list the FDA-approved prescription medications reviewed by the BCBSM and BCN Pharmacy and Therapeutics Committee.
Physicians and pharmacists are encouraged to refer to the BCN Advantage comprehensive formularies when selecting prescription drug therapy for eligible BCN Advantage members.
BCN will generally cover drugs listed in our formularies as long as the drug is medically necessary, the prescription is filled at a BCN Advantage network pharmacy and other plan rules are followed.
|Last 3 digits of CMS Plan code on ID card
|Type of BCN Advantage coverage
|002, 003, 004, 007, 008, 009 or 010
|8XX (code begins with an 8)
Formulary updates
We sometimes need to add and remove drugs from our formulary during the year. The updated list applies to both Individual and Group formularies.


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Karen Page, a leader in the advancement of tennis at the high school, college and community levels, died Friday, July 3, 2009, at the Hospice House in Holland following a long, courageous battle against cancer.
Page, 60, most recently was serving as director of the college's DeWitt Tennis Center and coached the Hope women's tennis team the past 12 years.
"She was a very special lady, so enthusiastic, so energetic," longtime colleague Dwayne "Tiger" Teusink '58 told The Holland Sentinel. "She motivated everyone around her. She promoted loyalty and respect with her players. She was a role model."
"Positive energy and spirit were the hallmarks of Karen Page's life. Every woman she coached, every person she touched was the beneficiary of her strong touchstones of enthusiasm and passion, not just for the game of tennis but for the joy of life," said Eva Dean '83 Folkert, co-director of athletics at Hope. "I honestly can't remember a time when in the space of five minutes -- whether in competition or conversation, I did not see a smile come across KP's face. We will greatly miss such a terrific role model to students and women. We will greatly miss such a treasured coach and friend."
Page guided the Hope Flying Dutch to conference championships in the Michigan Intercollegiate Athletic Association (MIAA) in 1998, 1999, 2000 and 2009. The 1998, 2000 and 2009 Flying Dutch earned a berth in the NCAA tournament. Although a recurrence of cancer this spring did not allow her to actively coach the team, it also did not deter her from being with her squad at the conference and NCAA tournaments.
Page had an extensive background as a teacher and coach of tennis. She previously served as coach of the boys' and girls' varsity teams at HollandWestOttawaHigh School. She also coached the Holland community's adult women USTA travel teams.
She served as president of the Michigan High School Tennis Coaches Association and was a certified tennis teaching professional.
She was presented the distinguished service award by the Western Michigan Tennis Association for outstanding leadership and service and named to the Hall of Fame of the Michigan High School Tennis Coaches Association. She was a graduate of Iowa State University.
Survivors include her husband, Tom Page '72; a twin sister, Karyl Garbo (Jack Whitley) of Phoenix, Ariz.; and a brother, Tim, of Montana.
A memorial service was held in Dimnent Memorial Chapel on Sunday, July 5, and led by the Rev. Paul Boersma '82, who is the Leonard and Marjorie Maas Endowed Senior Chaplain at Hope.


text: When Josh Fox receives a $100,000 offer from a natural gas company interested in exploring in his land in Pennsylvania's Delaware River Basin, he decides to do his own research on drilling and the process known as fracking. Josh sets out to interview those who live near drilling sites, and his findings are frightening -- their wells contaminated, residents can actually set their tap water on fire. Visits to sites in Colorado, Wyoming and Texas yield similar horrific findings.