text:
Washington (CNN) – The leading Republican in the Senate said Sunday that the previous Republican administration had been mistaken in ever trying alleged terrorists in civilian federal courts.
"The only time [the Obama] administration ever cites the previous administration for a precedent is to mention that there were some terrorists tried in U.S. courts," Sen. Mitch McConnell, R-Kentucky, said Sunday on State of the Union.
"We now know that was a mistake," declared McConnell. "That was a mistake by the previous administration. The other mistake they made that shouldn't be replicated by this administration is letting too many people go from Guantanamo."
Instead of giving alleged terrorists civilian trials in federal court, McConnell said the administration should use the system of military commissions set up by Congress "for the specific purpose of trying foreigners captured on the battlefield."
"They ought to be tried in these military commissions. They also ought to be detained at Guantanamo," the Senate Minority Leader said.
The new debates over a jobs bill and what it would take to put Washington on a more bipartisan path were major topics of Sunday conversation. But the most crackling issue was a more familiar subject: the treatment of terror suspects including the White House plan to bring several 9/11 suspects to trial in federal court instead of the military justice system.
"Absolutely," was Senate GOP Leader Mitch McConnell's answer when asked if he would lead an effort to block funding of any plan to transfer alleged 9/11 mastermind Khalid Sheikh Mohammed and other alleged accomplices to U.S. soil for open trials.
"Khalid Sheikh Mohammed is going to meet justice and he's going to meet his maker," White House Press Secretary Robert Gibbs said bluntly, even as he could not say just where any KSM trial would take place.
Massachusetts Senator-elect Scott Brown also made his Sunday show debut, describing himself as a "big tent person" eager to push for more transparency – and less spending – when he joins the Senate Republican Caucus as its 41st member in February.
"I don't even have a business card," he said when ABC's Barbara Walters asked about speculation Brown might already be looking at a 2012 presidential run.
On the subject of business cards, mine will soon be changing – to reflect a move to Monday-Friday for a new evening news program.
Beginning next Sunday, "State of the Union" will be in new – and talented – hands: CNN Senior Political Correspondent Candy Crowley is taking over, and talked a bit about her hopes for the program.
"I hope to have some fun. …I think sometimes we tend to flatten out our politicians, make them caricatures, when you and I know they are actual people with some interesting and charming elements. I hope to continue what you did, really, which was making that connection between people's real fears and hopes, and the people who are in charge of seeing if they can do anything about it. …What a great year to be starting something new."
Now, the Sound of Sunday highlights, beginning with the feisty faceoff over terror trials.
Washington (CNN) - No decision has been made on whether to change the current plan to hold the September 11 terrorist attack trial in a civilian court in lower Manhattan, White House officials said Sunday.
Last week, New York Mayor Michael Bloomberg and other politicians expressed concern over the costs and disruption of holding the trial of Khalid Sheikh Mohammed and four accomplices at a New York City courthouse.
David Axelrod, the senior adviser to President Obama, and White House Press Secretary Robert Gibbs said Sunday that Obama believes the trial should take place in a criminal court instead of before a military commission, as permitted for some terrorism suspects.
However, Axelrod and Gibbs acknowledged that Obama and the Justice Department were considering moving the trial from New York City.
Senate Minority Leader Mitch McConnell showed little willingness Sunday on CNN's State of the Union to seek common ground with Democrats on top legislative priorities. (Photo Credit: CNN)
(CNN) - Despite White House overtures for congressional Republicans to work with Democrats, GOP leaders indicated Sunday they were unwilling to accept much of what President Barack Obama and the Democrats are proposing.
Senate Minority Leader Mitch McConnell showed little willingness on CNN's "State of the Union" program to seek common ground with Democrats on top legislative priorities such as health care, a jobs bill or creating a
bipartisan statutory commission to come up with plans to reduce the federal deficit.
His counterpart in the House, Minority Leader John Boehner of Ohio, was more blunt.
"There aren't that many places where we can come together," Boehner, R-Ohio, told the NBC program "Meet the Press."
Republicans were elected to stand by their principles, and those principles are different than the "leftist proposals" offered by Obama and congressional Democrats, Boehner said.
Washington (CNN) – The Obama administration is undaunted in its desire to bring to justice the alleged mastermind of the September 11, 2001 terrorist attacks despite an apparent setback in its plans for a civilian trial for Khalid Sheikh Mohammed, White House spokesman Robert Gibbs said Sunday.
Mohammed "is going to meet justice and he's going to meet his maker," Gibbs said Sunday on CNN's State of the Union.
"In a federal courtroom or in a military commission?" CNN Chief National Correspondent John King interjected.
"He will be brought to justice and he is likely to be executed for the heinous crimes that he committed in killing – in masterminding the killing of 3,000 Americans. That you can be sure of," Gibbs told King.
Asked again whether the administration still wants to try Mohammed in a civilian federal court or would, instead, consider a military tribunal, Gibbs pointed out that other terrorists who targeted the United States have been successfully tried in the federal courts.
Instead, Senate Majority Leader Mitch McConnell, R-Kentucky, suggested Sunday that, during tough economic times, a commission charged solely with reducing spending was a better approach to reining in the federal budget deficit.
Last week, the Senate rejected a proposal co-sponsored by Sen. Judd Greg, a New Hampshire Republican, and Sen. Kent Conrad, a North Dakota Democrat, that would have created a bipartisan fiscal commission. The commission would have been charged with making recommendations to Congress regarding cutting spending and raising revenue. The recommendations would have been binding in the sense that Congress would have only been able to accept or reject the recommendations wholesale in an up-or-down vote; Congress would not have had the power to alter the commission's recommendations before implementing them.
The proposal failed to garner the 60 votes necessary for passage in the Senate after seven Republicans who had previously supported the plan decided to vote against it.
McConnell defended his seven colleagues and pointed out that the president himself had decided only days before last week's vote to back the proposal after coming under political pressure from moderates and conservatives in Democratic ranks.
McConnell also said Sunday that the nation's fiscal challenges had more to do with excessive spending than with insufficient taxation.
Washington (CNN) - Democratic efforts to pass a health care bill have stalled a bit, and the immediate focus may be shifting toward health insurance reform instead of quickly trying to pass a comprehensive bill, White House officials signaled Sunday.
Robert Gibbs, the White House press secretary, told CNN's "State of the Union" that passing a health care bill was "still inside the five-yard line." His comment pulled back the assessment several weeks ago by David Axelrod, the senior adviser to President Obama, that the bill was on the one-yard line, which in football would mean it was close to passing.
On the NBC program "Meet the Press" on Sunday, Axelrod referred to the issue as health insurance reform when talking about next steps.
"The American people aren't saying let's walk away from health insurance reform," Axelrod said, citing problems such as rising costs, people denied health coverage for pre-existing conditions, and people losing coverage when they become seriously ill.
Washington (CNN) – President Obama remains committed to his pledge to cut the federal budget deficit by late 2012, a White House spokesman said Sunday.
Soon after taking office last year, the president pledged to reduce by half the budget deficit his administration inherited from his predecessor.
Asked about that pledge on State of the Union, White House press secretary Robert Gibbs told CNN's John King that Obama "is committed to keeping that goal, understanding, that as you said, this recession was deeper than we thought it was going to be."
On Monday, Gibbs said, Obama will outline some steps intended to reduce the deficit, including a freeze on non-security-related, discretionary spending.

subset: commoncrawl


text:
Rental Car Co. Run by Teenagers Undercuts Hertz, Avis
Tiny upstart run by teenagers sued for not playing fair with Avis, Hertz.
June 18, 2013 -- Said three teenagers to themselves last year: "Yeah, sure, we could go to college. But wouldn't it be more fun to up-end the airport rental car business?"
They opted for the latter.
So positive were they that they had happened on a better business model than Hertz or Avis, that they turned their backs, respectively, on Harvard, Princeton and MIT -- the three institutions to which they had gained (or been offered) admission.
The idea was this: At every major airport, acres of cars sit idle, left parked by owners who have jetted off. Why couldn't these same cars be rented to arriving travelers? Rates could be dramatically cheaper than those charged by traditional car rental companies, since, under this model, the rental company wouldn't have to pay for or maintain the fleet.
Read More About How You Could Save or Lose Money With New Fuel Economy Standards
Owners would have a fourfold incentive to participate: free parking, a free car wash, a cut of the rental fee and a guarantee their car would be waiting for them when they returned.
With financing from angel investors, FlightCar, the trio's brainchild, began renting cars in February to passengers arriving at San Francisco International Airport (SFO), for rates start as low as $21 a day, depending on the make and model of the car.
Read More About Two Boston Parking Spaces Sold for $560,000 and the Most Expensive U.S. Places for Parking
CEO Rajul Zaparde, 18, one of FlightCar's co-founders, tells ABC News the company already has signed up 1,400 owners and has arranged 1,500 rentals.
See Photos of the Coolest, Most Expensive Cars
Until Zaparde hit rental car paydirt, he had been headed to Harvard. Now he and co-founders Shri Graneshram, 19, and Kevin Petrovic, 19, have launched a second operation at Boston's Logan Airport.
"We're shooting for one more airport before the end of this year," says Zaparde.
Foes of FlightCar, however, have started to shoot back.
It's easy to see how traditional rental companies might not be amused to have their prices undercut. But San Francisco International is crying foul, as well.
Doug Yakel, public information officer for SFO, tells ABC News that FlightCar refuses to play by the rules that govern other rental car companies. It doesn't pay the same fees, he says, and it doesn't abide by the same regulations.
SFO's objections have taken the form of a complaint filed last month against FlightCar by the city attorney of San Francisco.
Zaparde says the airport's lawsuit stems from a disagreement over how to define FlightCar.
"They want to put us in the same bucket as traditional rental companies," he says.
FlightCar is a different animal from Avis or Hertz, he adds, and thus not subject to the same strictures.
For example, SFO wants FlightCar to pay it 10 percent of its gross profit and a $20 fee for each rental car transaction -- the same as what the airport gets from every other rental car company.
The fact that FlightCar operates from a base outside airport property, Yakel says, makes no difference: SFO has three other rental companies that also operate off-property. According to the complaint, those three paid SFO over $2 million in fees in 2012. FlightCar, too, should pay, thinks Yakel.
The fact that it does not gives FlightCar "an unfair advantage over similarly situated businesses that are forced to charge higher prices in order to operate lawfully and fairly," according to the complaint.
Deputy City Attorney Jennifer Choi tells ABC News that FlightCar's response is due July 1, and that, if no resolution is reached by then, a court will decide if the company is in violation of California's Unfair Competition Law. If found to be in violation, the company could be fined and/or shut down.


text:
The Payment Request API brought to the web a native browser-based interface that allows users to enter required purchase information easier than ever before. The API can also invoke payment apps that provide various kinds of payment methods such as e-money, cryptocurrency, bank transfers, and more.
The Payment Handler API is an emerging web standard that enables websites to act as a payment handler. With other related specifications like Payment Method Identifier and Payment Method Manifest, the Payment Handler API can be integrated into and made available through the Payment Request API.
This document describes how you can implement a web-based payment app using the Payment Handler API.
A payment app built with the Payment Handler API includes multiple endpoints that return specific content to a request. This chart shows example URL mappings of endpoints used in this document.
|The root path of a web-based payment app that registers a service worker and a payment handler.
|A web app manifest that defines the web-based payment app.
|A payment method manifest that defines how a payment method acts.
|JavaScript code that handles a payment request.
|A Payment Method Identifier URL that returns an HTTP header pointing to the payment method manifest.
|The actual checkout page exposed to users.
Define a payment method identifier
A payment method
can be specified as a URL such as
https://bobpay.xyz/pay that is used on a
merchant website.
const request = new PaymentRequest([{
supportedMethods: 'https://bobpay.xyz/pay'
}], {
total: {
label: 'total',
amount: { value: '10', currency: 'USD' }
The browser sends a
HEAD HTTP request to the
URL, which responds
to the request with status code
200 OK or
204 No Content plus the URL of the
payment method manifest. For
example, if the manifest is at
https://bobpay.xyz/payment-manifest.json, the
response might look like this.
Link: <https://bobpay.xyz/payment-manifest.json>; rel="payment-method-manifest"
The URL can be a fully-qualified domain name or a relative path. Inspect
https://bobpay.xyz/pay/ for network traffic to see an example. You can do this
from a command line using the
curl command:
curl --head https://bobpay.xyz/pay
Locate a payment method manifest
A payment method manifest is a JSON file that resides on your web server and defines which payment apps can use this payment method. A manifest file might look like this.
"default_applications": ["https://bobpay.xyz/manifest.json"],
"supported_origins": [
Important properties:
default_applications: An array of absolute, fully-qualified URLs that points to web app manifests where the payment apps are hosted. This array is expected to reference the development manifest, production manifest, etc.
supported_origins: An array of URLs that points to origins that may host third-party payment apps implementing the same payment method. Note that a payment method can be supported by multiple payment apps. Use
*to indicate that any origin can host the third-party payment apps.
Locate a web app manifest
Because the payment app acts as a Progressive Web App (PWA), you need a web app manifest file similar to this one.
"name": "Pay with Bobpay",
"short_name": "Bobpay",
"description": "This is an example of the Payment Handler API.",
"icons": [
"src": "images/manifest/icon-192x192.png",
"sizes": "192x192",
"type": "image/png"
"src": "images/manifest/icon-512x512.png",
"sizes": "512x512",
"type": "image/png"
"serviceworker": {
"src": "service-worker.js",
"scope": "/",
"use_cache": false
"start_url": "/",
"display": "standalone",
"theme_color": "#3f51b5",
"background_color": "#3f51b5"
Important properties:
name: Used as the payment app name.
icons: Used as the payment app icon. Only Chrome uses these icons; other browsers may use them as fallback icons if you don't specify them as part of the payment instrument.
Name the file
manifest.json and place it on the web server, typically in the
root folder, such as
https://www.example.com/manifest.json. Point to the file
from the HTML page that identifies it as part of the payment app.
<link rel="manifest" href="/manifest.json">
Chrome downloads this manifest at the time of payment app installation, so the
page that installs the payment app (see next section) should contain this
<link> element.
Install a payment app and set a payment instrument
Include the following JavaScript as part of the page that installs a service worker.
// Check if service worker is available
if ('serviceWorker' in navigator) {
// Register a service worker
const registration = await navigator.serviceWorker.register(
// A service worker JS file is separate
// Check if Payment Handler is available
if (!registration.paymentManager) return;
registration.paymentManager.userHint = 'payment-handler user hint';
// Payment instrument key can be any string.
// Payment instrument detail
name: 'Payment Handler Example',
method: 'https://bobpay.xyz/pay'
Let's examine this code in more detail.
Register a service worker
Assuming you have a separate JavaScript file named
register the file as the source of the service
Be mindful of the service worker
// Check if service worker is available
if ('serviceWorker' in navigator) {
// Register a service worker
const registration = await navigator.serviceWorker.register(
// A service worker JS file is separate
Set a payment instrument
Service worker registration returns a promise. Continue registering a payment instrument using the payment manager.
// When service worker registration is done,
// you'll receive a service worker registration object
// (https://developer.mozilla.org/en-US/docs/Web/API/ServiceWorkerRegistration).
// Check if Payment Handler is available
if (!registration.paymentManager) return;
// `userHint` will be an exposed next to the name of the
// payment app. The user hint should be user specific.
// For example, this can be user email address.
// If the user is on a public computer, be sure to clear the user
// specific data after user logs out.
registration.paymentManager.userHint = 'payment-handler user hint';
As shown above,
can optionally set your payment app's hint. This is handy when you want to show
some dynamic text like
Visa ****4242.
// Payment instrument key
// Payment instrument detail
// This parameter will be ignored in Chrome
name: 'Payment Handler Example',
// This parameter will be used to match against
// the PaymentRequest.
method: 'https://bobpay.xyz/pay'
You can call
to set your app's details. It accepts two arguments,
instrumentKey and
registration.paymentManager.instruments.set(instrumentKey, paymentInstrument)
Set a string that identifies the payment instrument as the first argument. This can be any arbitrary string, and is used to identify instruments when you want to update them. Therefore, we recommended that you use an identifier from your payment app backend.
Set an object containing the payment instrument details
as the second argument.
name: Set a string as the instrument name. This is ignored in Chrome, which uses the web app manifest's
nameproperty, but other browsers may use it.
icons: Set an array of
ImageObjects the Payment Request sheet will display. This is ignored in Chrome, which uses the web app manifest's
iconsproperty, but other browsers may use it.
method: A supported payment method identifier.
capabilities: Set the payment method specific parameters as an object. As of August 2018,
basic-cardis the only payment method that accepts
capabilities. See the following example.
const request = new PaymentRequest([{
supportedMethods: 'basic-card',
data: {
supportedNetworks: ['visa','master','jcb'],
supportedTypes: ['credit','debit','prepaid']
}], {
total: {
label: 'total',
amount: {value: '10', currency: 'USD'}
Optional: Let Chrome install your payment app just-in-time
Chrome includes a feature to find and install a payment app just-in-time (JIT) when no supported payment apps have yet been installed for a payment request. Note that this is not a standardized feature, so other browsers may not support it.
To enable JIT installation for a payment app, it must be listed in
default_applications in a corresponding payment method manifest, and the
payment app's manifest must have a
serviceworker section to indicate where to
get the
service-worker.js and its registration scope (as well as its name and
JIT-installable payment apps are presented to the user when the payment request
dialog is shown. After the user chooses an installable payment app and clicks
"Pay", the payment app is installed and then a
is sent to it. Note that
will not be sent to a JIT-installable payment app because the event happens
before the payment request dialog is shown.
After the installation, the JIT-installable payment app is set as the supported payment method. The payment app can update it later as a previously-installed payment app.
Optional: Let Chrome skip-the-sheet
Chrome can skip the Payment Request UI if certain conditions are met. By using this approach, you can let merchants put your own brand button and launch your payment app directly rather than launching the Payment Request UI and select the payment method your app supports.
Following are the conditions to enable skip-the-sheet:
- There is only a single payment handler (installed or JIT installable) with full delegation support (i.e. only a single available payment handler can provide all merchant requested information including shipping address and/or contact information whenever needed).
- The available payment handler with full delegation should support a requested URL-based payment method.
show()is triggered with a user gesture.
See a skip-the-sheet example here: https://rsolomakhin.github.io/pr/skip-ui/
Write a service worker
After the service worker is installed and the payment instrument is set, you are
ready to accept payment requests. Here's an example
const origin = 'https://bobpay.xyz';
const methodName = `${origin}/pay`;
const checkoutURL = `${origin}/checkout`;
let resolver;
let payment_request_event;
self.addEventListener('paymentrequest', e => {
// Preserve the event for future use
payment_request_event = e;
// You'll need a polyfill for `PromiseResolver`
// As it's not implemented in Chrome yet.
resolver = new PromiseResolver();
e.openWindow(checkoutURL).then(client => {
if (client === null) {
resolver.reject('Failed to open window');
}).catch(err => {
self.addEventListener('message', e => {
console.log('A message received:', e);
if (e.data === "payment_app_window_ready") {
if (e.data.methodName === methodName) {
} else {
const sendPaymentRequest = () => {
if (!payment_request_event) return;
includeUncontrolled: false,
type: 'window'
}).then(clientList => {
for (let client of clientList) {
Let's break down this code block as well.
Receive a
paymentrequest event and open a window
When a user selects your payment method and presses "Pay", the service worker
receives a
paymentrequest event. To receive it, add an event listener.
// `self` is global object in service worker
self.addEventListener('paymentrequest', e => {
// Preserve the event for future use
payment_request_event = e;
// You'll need a polyfill for `PromiseResolver`
// As it's not implemented in Chrome yet.
resolver = new PromiseResolver();
// Pass a promise that resolves when payment is done.
// Open the checkout page.
e.openWindow(checkoutURL).then(client => {
if (client === null) {
// Make sure to reject the promise on failure
resolver.reject('Failed to open window');
}).catch(err => {
// Make sure to reject the promise on failure
For security reasons, the web pages loaded in the opened window must have valid https certificates and no mixed contents; otherwise the payment request will be aborted by Chrome.
Exchange information between service worker and frontend
The service worker needs to exchange messages with the frontend. To do this, add an event listener.
self.addEventListener('message', e => {
The listener opens a window in order to get authorization from the payer to
proceed with payment. To display total price, etc., obtain a message from the
opened window that it is ready, then post the payment info back to it. In this
case, we set
payment_app_window_ready to signal that condition.
// Determine a message that tells the service worker that
// the window is ready. In this case `payment_app_window_ready`.
if (e.data === "payment_app_window_ready") {
// If `payment_request_event` is not set, this isn't a message
// preceded by `paymentrequest` event.
if (!payment_request_event) return;
Now send the payment details back. In this case we're only sending the
of the payment request, but you can pass more details if you like.
// Query all open windows
includeUncontrolled: false,
type: 'window'
}).then(clientList => {
// Send a message that contains information about the payment.
// In this case it's sending just total.
for (let client of clientList) {
Returning payment information
Let's define a message containing
https://bobpay.xyz/pay in the
as a signal to proceed. Resolve the original
paymentrequest event, preserved
with the payment details.
// This app sets `methodName` to be a sign to proceed.
if (e.data.methodName === methodName) {
// Resolve with the information passed from frontend.
// This information will be passed back to the Payment Request
// a merchant has invoked as a resolution of .show() method.
} else {
Write frontend code
The checkout frontend will be the actual interface that users will interact with. Here's a quick sample.
let client;
navigator.serviceWorker.addEventListener('message', e => {
client = e.source;
onPay() {
if (!client) return;
const response = {
methodName: 'https://payment-handler-example.firebaseapp.com/pay',
details: { id: '123456' }
// Chrome will close all windows in the scope of the service worker
// after the service worker responds to the 'paymentrequest' event.
onCancel() {
if (!client) return;
client.postMessage('The payment request is cancelled by user');
// Chrome will close all windows in the scope of the service worker
// after the service worker responds to the 'paymentrequest' event.
Again, let's examine this code.
Listen to service worker messages and let it know the window is ready
Let the service worker know that it is ready to receive information by sending a message. Don't forget to listen for its message as well.
// Listen to messages from service worker
navigator.serviceWorker.addEventListener('message', e => {
// Preserve service worker object for later use
client = e.source;
// You can do whatever you want by handling `e.data` as well.
// Send `payment_app_window_ready` as a sign that the window is ready.
Invoke the Pay operation
You'll probably want to authenticate the user and let them authorize payment, although that process is outside the scope of this document. Once the user indicates they want to make the payment, send a message to the service worker with the information required for merchant to proceed.
onPay() {
// When `client` is not found, there's no associated service worker
if (!client) return;
// Respond to the service worker with arbitrary message.
const response = {
methodName: 'https://payment-handler-example.firebaseapp.com/pay',
details: { id: '123456' }
Cancel the operation
You can set up a protocol with the service worker to notify it if the operation is canceled. This code is sending a sample cancel message.
onCancel() {
if (!client) return;
client.postMessage('The payment request is cancelled by user');
The Payment Handler API is an emerging web standard that enables a website to act as a payment app by integration into a website that uses the Payment Request API. By implementing these related specifications, you can produce a clean, browser-based UI that makes user purchases as smooth and seamless as a native app.


text:
This guide was written by L. Tambiah Updated by ehsavoie.
This guide shows you how to install NetBeans on your Ubuntu desktop. First you must install the Java Development Kit (JDK) so NetBeans can run, compile and execute Java programs. * We presume you are using Ubuntu Feisty 7.04. There is curently an unsupported depot that allows you to install Netbeans 6.0 using simply apt. It is not official but far easier.
Steps To Reproduce
Install Java(TM) - JDK
1. First ensure your repositories are up-to-date by issuing the following command in the terminal:-
sudo apt-get update
2. Install the Java(TM) development Kit and the Java(TM) plug-in:-
sudo apt-get install sun-java5-jdk sun-java5-plugin
If you would like to run the Java 6 version simply do the same as above and replace the number 5 with 6.
Update Java(TM) Alternatives
1. Update the Java(TM) alternatives so Suns virtual machines is the default:-
sudo update-java-alternatives -s java-1.5.0-sun
2. Finally open the jvm file located at /etc/jvm:-
gksudo gedit /etc/jvm
Note if you prefer vim just issue "sudo vim /etc/jvm". We use gedit for ease of use.
Add the line "/usr/lib/jvm/java-1.5.0-sun" to the top of the entries. For java 6 it would be "/usr/lib/jvm/java-6-sun".
Test The Java(TM) Environement
1. Test the Java(TM) Environment is set up corrcectly by running:-
java -version
An output simular to below should be displayed if all is correct.
java version "1.5.0_08" Java(TM) 2 Runtime Environment, Standard Edition (build 1.5.0_08-b03)...........
Install NetBeans IDE
NetBeans is open source and licensed under the CDDL and in the near future we should see a full GPL'ed Java(TM) development stack too.
Download NetBeans from the main download page, the latest stable version at the time of writing this guide is 5.5.1. The download page offers different versions, you can have NetBeans standalone, NetBeans with the JDK (which we do not want as we have just installed it) and NetBeans Tools Bundle. I choose the latter as it has a server included which I will require in the future for web applications. I should also mention that if you install the NetBeans standalone version you can add the server later (but this won't be covered here).
Download NetBeans to your desktop ready to install! Hopefully you will see the NetBeans installer file sitting on your Desktop, I will pretend it is called myNetBeansInstall.
Lets install this via a terminal, you will first need to change directory to your desktop location:-
cd Desktop
Do a list(ls) command to check the file is present. Finally still in the terminal install NetBeans:-
sudo sh myNetBeansInstall
Now follow the prompts, the installer should install NetBeans into the /opt directory, this is fine and is the ideal location for optional installs. The application server is also located there.
Easy unofficial installation
This is a translation from the french Ubuntu wiki .
Add the following depot :
deb http://srvremi.free.fr/ubuntu gutsy main
The you have to install this new depot key :
gpg --keyserver wwwkeys.eu.pgp.net --recv-keys AA82C25A36399439 gpg --armor --export AA82C25A36399439 | sudo apt-key add -
Don't forget to update tour package list
sudo apt-get update
And voila you are done :o). Now you just have to choose what to install :
And for the runtimes :
|Glassfish V2
|Open ESB
|Tomcat 6.0.14


text:
3 min readScientists Uncover New RNA Processing Mechanism
And what of the other 98% of the genome? It has been assumed by many to be genetic junk, a massive accumulation of "code" that evolution has rendered superfluous. Now, however, scientists are discovering that the vast bulk of the DNA in our genomes, while it does not "code" for the specific RNA molecules that serve as templates for protein synthesis, do nevertheless perform various kinds of work. But what types of work, involving what kinds of cellular mechanisms? Given its relative abundance, non-coding DNA and RNA present inviting targets for experimentation.
For years, a laboratory at Cold Spring Harbor Laboratory (CSHL) led by Professor David L. Spector, has studied events within the cell nucleus, where the genetic material is contained. In the November 26th issue of Cell, Spector and a team led by graduate student Jeremy Wilusz report their discovery of a previously unknown mechanism in the nucleus that processes non-coding RNA molecules.
Spector and colleagues discovered the mechanism while examining a non-coding RNA molecule called MALAT1. Resident in the cell nucleus, MALAT1 was observed to split into two parts, one long and one very short—the latter qualifying as a species of RNA that scientists call small RNAs. The small RNA segment was observed to migrate out of the nucleus into the cell's aqueous cytoplasm. The longer remnant of MALAT1 remained in the nucleus, accumulating in distinct zones called nuclear speckles.
Although it is not yet clear what these processed parts of the original MALAT1 molecule do, their disparate destinations in the cell suggest that they likely serve different functions. And that, Dr. Spector says, is intriguing in part because MALAT1 is known to be a good marker of cancer progression: it is found at abnormally high levels in the nuclei of cancer cells with a propensity to become metastatic.
One new RNA molecule; more to come?
The discovery of the cytoplasmic small RNA fragment of the non-coding MALAT1 molecule, which the CSHL team calls mascRNA, (MALAT1-associated small cytoplasmic RNA) is "just the tip of the iceberg of a whole new class of small RNAs," according to Spector.
This new kid on the small RNA block was found by Spector's lab to be present in most cell types, and is highly conserved, or retained by evolution across many species. In the growing menagerie of small RNA molecules, mascRNA is processed and assumes a physical shape much like that of transfer RNA, or tRNA, an RNA string that folds into a cloverleaf-shaped structure.
tRNA molecules are part of the construction crew that builds proteins; they carry amino acids–the building blocks of proteins– to protein chains as they are being assembled. But the CSHL team's results suggest that mascRNA, which is smaller than most tRNAs, does not likely perform this function. Yet mascRNA's location in the cell's cytoplasm and its pathway of biogenesis does hint at a possible function. Spector suspects it may act as a "sponge" for proteins, preventing them from reaching their natural destinations within the cell. Another possibility is that mascRNA simply serves to alert the cell that the long non-coding RNA fragment that it originally split off from– MALAT1–is "available" in the nucleus for other cellular duties.
Broader implications: a new RNA processing mechanism
Researchers now think that at least 40% of long, non-coding RNAs–a considerable chunk of RNA segments that float around the nucleus–may be processed to generate smaller RNA pieces such as mascRNA, and also other classes of RNA. While the hunt has begun for other tRNA-like small RNAs and their precursor RNAs like MALAT1, the new results from Spector's lab provide a first look at how these bits are produced.
In the case of coding RNAs, once their sequence has been "read" off a DNA template, a molecular complex snips off the tail end of this new piece and tacks on a signal at its end that protects the new molecule from degradation and marks it for export out of the nucleus. In non-coding MALAT1, however, the CSHL team found the protective signal was already embedded within the molecule, just ahead of the portion that later detached to form mascRNA. The molecular complex responsible for cleaving MALAT1 therefore knew precisely where to make its cut–right after the embedded signal–rather than at MALAT1's tail end. In this way, MALAT1 is effectively preconfigured to liberate the mascRNA fragment.
The mechanism that retains the long MALAT1 molecule within the nucleus while expelling the mascRNA fragment into the cytoplasm is still elusive. "The answer will come when we identify more and more RNAs that are built like the MALAT1 precursor and are processed to give rise to different types of RNAs," says Spector.
In the meantime, his lab's current work provides reason to believe that the community of non-coding RNAs has many more surprises to reveal. To the extent that its members can be shown to perform specific functions, it will seem increasingly inapt to consider non-coding RNAs the by-products of "junk DNA."


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In December 2008, Matthew Moughan graduated from Marquette University in Milwaukee at the height of the recession and, not surprisingly, couldn't land a job.
"I kept getting the same responses from most companies that they were not hiring at the time," he said.
So he expanded his search outside of the nation's borders.
U.S. & World
He landed an internship with Electronic Shipping Solutions in London through San Francisco-based Intrax Internships Abroad and then got a full-time job offer from the firm.
"One thing I would tell anyone who has the slightest thought of going abroad is to just go for it," he said. "Whether it is for work or to study, the overall experience that you will gain is invaluable."
Amy Raslevich, 38, and her husband, Jeff Kelly, 39, along with their two young children moved in February from Pittsburgh to Maastricht, the Netherlands, because Kelly took a foreign assignment offered by his employer.
The couple thought international experience would bode well for Kelly's career, but Raslevich, who left her job as a executive director of a nonprofit to make the move, isn't sure she will be able to find work. The laws allowing noncitizens to work are strict, she said, and there aren't a lot of jobs for foreigners because the unemployment rate is high in the Netherlands.
"I don't know what my resume is going to look like," she said. "It's kind of scary."
With an anemic job market in the United States, many are looking beyond our shores to find employment or advance their careers.
International experience is often seen as a plus for career enhancement. But finding employment abroad is anything but easy, especially if you're not moving with an existing employer. Furthermore, becoming an expatriate can be a major adjustment.
Finding a job abroad
Despite the challenges, many job seekers are eyeing foreign lands as possible career saviors or enhancers.
"Obviously, the recession is bringing out many people who can't find a job and want to look abroad," said George Eves, founder of online expatriate guide Expat Info Desk. But, he said, opportunities in foreign lands are not as abundant as they were just two years ago.
Intrax Internships Abroad, the company that got Moughan his internship in London, has seen a growing interest in work overseas, said Terry Cumes, managing director.
"They need different ways to differentiate themselves in this economy, and there are also fewer opportunities in the United States," he said about graduates. "We're even getting calls from MBAs now."
One of the main ways workers end up as expats is when they are sent abroad by their employers. While such assignments have dwindled during the recession, there are signs things may be turning around a bit.
About 12 percent of multinational firms plan to cut back foreign assignments this year, compared with 25 percent who said they would reduce such jobs last year, according to a report published by Brookfield Global Relocation Services.
But companies are still tightening their expat budgets, said Tom Flannery, a partner at consulting firm Mercer. "More focus on shorter-term assignments, or commuter assignments where someone is located in a central location and then commutes to different offices or plants," he said.
Job seekers — especially younger workers — who think they can pack their bags and just head to a foreign land for work might be in for a rude awakening.
The unemployment rate for young workers is more than 40 percent in Spain and 20 percent in France, said Cumes of Intrax Internships Abroad. The high rate of joblessness is making an already difficult process of getting a work visa even harder for expats today, he said. To take a job from a local in Europe right now, he added, you're going to have to have some really impressive, unique skills.
Jobs teaching English, which at one time were plentiful, especially in former Soviet bloc nations, are not readily available these days, said Eves of Expat Info Desk.
While many countries have been hit by the recession, Asia is a bright spot, Mercer's Flannery said. Industries such as high tech, finance and the automotive industry continue to see growth there, he added.
Asia is where Michael Julian decided to focus his attention after his job search in the United States hit a dead end.
After graduating from Bowdoin College in Brunswick, Maine, he interviewed with financial institutions and even Teach for America, but no job materialized.
"A close friend and personal mentor of mine suggested I look at opportunities in Asia, as there has been so much buzz around this economy being the next big market," he said. "Only two weeks after I began focusing on Asia, I found myself saying goodbye to friends and family, and on a plane due east to Singapore."
He was able to land an internship at an IT consulting firm called Ridge Asia, and after three months landed a job as a business development consultant for Oracle in Singapore.
"Back home, it would have been nearly impossible to secure a job with a Fortune 50 company such as Oracle, with the down economy," Julian said.
Adjusting to a new life
Once you land a job, the hard part may just be starting.
For many expats, adjusting to their new home can be a culture shock, especially for the employee's family.
Cartus, a relocation company, found 88 percent of firms it surveyed reported some level of foreign assignment failures in the past three years. At the top of the list was that the family was unable to adapt to the new country, followed by the employee unable to adapt. Termination was the third-most common form of failure.
Moughan adapted well to London because he had done a work-study program in the city while in college, but work life was a different story.
"One of the harder things to get adjusted to was the office-culture setting," he said. "Despite the fact that England is an English-speaking country, it is an entirely different culture and a different language to an extent."
To survive as an expat "you have to be very determined," said Eves, whose company offers an expat manual on its site, including a section dedicated to Americans moving abroad. "Just dropping in and fitting in from Day One is going to be difficult."
Another issue to consider is the possibility you could lose your foreign job.
"In this case, the employee will be unemployed in another country," said Margery Marshall, president of Vandover, a firm specializing in the mobility of talent pools.
The country may have restrictions on foreigners staying who are unemployed, and that means you'll have to move quickly to find another job abroad or get one back in the states.
That's why she advised that workers maintain their networks, including online social networks such as LinkedIn.
Despite some drawbacks, Marshall said the expat experience has one big advantage. "Global experience is becoming more important and more valuable in the workplace, and can give employees an advantage when it comes to long-term career development," she said.


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Our engineers are committed to continuous improvement across all our product lines. They work tirelessly to increase energy efficiency and performance for all our systems, from light commercial to large applied solutions. It's our depth of experience that makes Trane commercial systems the best in the business.


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As I have embarked upon this journey of forming Just 4 GirlFriends, I have enjoyed continued support and encouragement from so many! I want to thank all who have offered me unwavering support!
As I have embarked upon this journey of forming Just 4 GirlFriends, I have enjoyed continued support and encouragement from so many! I want to thank all who have offered me unwavering support!
"Just 4 Girlfriends…. A break from the rat race of work and family life…
connecting with local women and developing long lasting friendships" -Kelli Jackson
"I am so blessed to be a member of Just 4 GirlFriends!!!! I look forward to the monthly excursions
like a child waiting for Christmas morning!!!" -Carmela Wimberly, MPA
"J4G gives me the time I need to be a bit self-centered! I get a few hours a month to solely focus on me,
my needs, my wants, my goals, my friends, my life.. it's something I look forward to!" - Robyn McFarland
"J4G… where being "me" is prioritized and welcomed!" -Raquel Farmer-Hinton
"J4G offers me the perfect excuse to live my best life. A place to be unapologetically me while having fun, laughing,
learning and relaxing in the company of some of the most amazingly inspirational women." - Kim Patterson
"Although I feel like I'm living my full purpose in life, J4G confirms that when I'm able to get together to relax and rejuvenate in a comfortable setting.
I look forward to J4G outings, the interaction and uplifting mission of the group is carried out at every excursion.
What an awesome group to be a part of!" -Sherell Fuller
"J4G allows me to relax and have fun while developing friendships." - Candral Haynes
"A breath of fresh air. Just 4 GirlFriends makes me smile. Every month is something new and exciting!" -Cerise Akins
"I'm a busy mom of two small children. Before joining J4G, my "me time" was spent on the couch watching T.V.
Now, I schedule time just for me and I leave all the planning to J4G! The events are always fun and just what I need." - Michelle Skinner


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Kurt Broadhag, MS, CSCS, is a fitness professional with more than 15 years of experience in personal training and gym design. He is president of both K Allan Consulting, a firm specializing in health club design and management, and 23D Gym Design, which develops both two- and three-dimensional fitness center layouts. Kurt can be contacted at (310) 601-7768 or via e-mail at [email protected].
The movement is upon us. An award-winning documentary on the state of our planet and multi-continent concerts are preaching change. The green movement has arrived and is gaining tremendous momentum. Businesses are realizing this is a topic they must address.
One non-profit organization, the U.S Green Building Council, has been at the forefront in helping businesses adopt these green practices and has created a certification known as LEED (Leadership in Energy and Environmental Design). This in-depth rating system focuses on the design, construction and operation of green facilities in relationship to sustainable site development, water savings, energy efficiency, material selection and indoor air quality.
At first glance, this certification might seem a bit overwhelming, but do not fear. As a business owner/operator, you can immediately retrofit your facility by adopting key LEED principles. These principles include some simple yet effective changes in day-to-day operations, such as conserving water and electricity, creating a healthy workout environment, purchasing green products and the adoption of green policies. Making the following small changes is the first step in the journey towards joining the movement and possibly even LEED certification.
Conserve Water. The main source of water use within fitness centers is the restroom/locker room area. New high efficiency fixtures that include low-flow showerheads, sink fixtures and toilets, as well as waterless urinals, are available for the commercial setting. Fixtures with occupant sensors that turn on and off by themselves, thereby eliminating the risk of members leaving the water running, are also on the market. These fixtures, along with client education, should serve as the cornerstone to water conservation. Steps can also be taken in facilities that provide towel services by decreasing the amount of daily wash. Laundry loads can be more efficient by adopting a one-towel-per-client policy, using smaller towels and washing full loads at a time.
Save Electricity. Simple steps can drastically reduce electrical usage from lighting, audio/visual systems, cardiovascular equipment and HVAC systems. Regular light bulbs should be replaced by compact fluorescent bulbs that use up to 75 percent less energy and produce less heat. Natural light should be used as much as possible within the facility, with electrical lighting added only to meet the minimum American College of Sports Medicine (ACSM) lighting guidelines. Motion-controlled lighting can be installed within certain areas, such as locker rooms, so it is only on when occupied. Televisions and cardiovascular equipment should remain off until accessed by members. Finally, the air conditioning system should be set only within the ACSM guidelines.
Create a Healthy Environment. Indoor air quality is an important component in green design, especially in a fitness center. There are many indoor air pollutants within fitness centers, such as volatile organic chemicals (VOC) that are found mainly in cleaners, and biological agents, such as bacteria and viruses. These pollutants should be controlled both through the source and also through ventilation. Source control of VOCs involves using green cleaning products. Organizations such as Greenseal and Greenguard have rating systems and provide lists of green cleaning supplies. Using these in combination with a thorough daily maintenance-cleaning schedule will reduce the amount of biological agents in the air. Also, make sure air filters are clean and regularly replaced and that the building is ventilated properly.
Purchase Green Products. Businesses should find green alternatives to the products they purchase. These are products that are generally reusable, recyclable and non-toxic, and come from recycled material. These can include towels, cleaning supplies, office supplies, amenities and equipment. Paper products such as copy paper, toilet paper and paper towels should be made of chlorine-free recycled products. Toner and print cartridges should be re-manufactured. Amenities purchased, much like the cleaning products, should be low in VOCs and picked from green-product lists. Finally, equipment should be energy saving or even self-powered.
Adopt a Green Policy. Companies need to adopt the 3 Rs—reduce, reuse and recycle. This involves using fewer products by conserving; reusing products until they reach the end of their lifespan; and donating unwanted supplies or disposing them so that they can be recycled. Simple steps such as decreasing paper usage by sending digital files instead of faxes, using both sides of paper for copies, using rolled paper towels instead of folded and providing disposal for recycling paper is an example of the 3 Rs at work.
Our commitment to the green movement begins within our fitness facility and reaches beyond. Simple steps can translate into global change. By making facilities eco-friendly, we empower our members to adopt not only a healthy lifestyle but also a healthy environment. The movement starts with us.


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The image of a murder trial jury often times gives the image from 12 Angry Men, a group holed up, cut off from contact from the outside world, with the weight of life or death hanging over their heads as they decide the fate of the person on trial. However, in the case of the Zimmerman trial, the revelations are of steak dinners, fancy pedicures and trips to local museums, all on the taxpayer dime. The decision to pamper the jury was undertaken for a myriad of reasons. As one Florida attorney, Randy Reep, pointed out:
These women of course are not criminals, yet we took them from their families. While we did not say this then, now it is clear, half of the country is going to very vocally find fault with your dedicated effort. A Bloomin Onion at Outback would not adequately reimburse these women for the bitterness [some will level at them for their jury service.]
In a statement by the Sheriff's office, this was elaborated upon:
Jurors watched television and movies, exercised at the hotel fitness center, and spent weekends being visited by family and friends.
Hold on a second. The Sheriff's office did not take them away from their families, they had access to them over the weekend! However, they were carefully monitored to prevent jury tampering at least, right? To verify this statement, AI's own Dr. Mark Bear contacted them, telling us:
Just verified with Heather Smith, from the Seminole Country Sheriff's Office at 407-474-6259. She states, "Generally speaking, jurors serving on the Zimmerman trial were afforded two hours of visiting privileges with family of friends each weekend." I asked what she meant by generally speaking," and she states, "there were more opportunities afforded jurors but not all took advantage."
So, these visits were unsupervised. WFTV has dug into these visits, and what they found calls into question the verdict. As WFTV's legal analyst, Bill Sheaffer, points out:
It only takes two seconds for an inappropriate comment to be made to a juror by a family member inadvertently or otherwise to possibly affect the verdict, how they look at the case.
And, it turns out, there is evidence to find that jury tampering did happen, as Juror B37 discussed in her aborted book deal:
The potential book was always intended to be a respectful observation of the trial from my and my husband's perspectives…
Her husband holding a perspective strong enough to write a book on the subject, given unsupervised access during the trial to his wife on the jury. Juror B37 has also admitted that the decision was reached with information not presented at the trial itself.
This is a siren bell warning of jury tampering. And this is but one juror, how much was discussed with the other jurors. The failure to supervise has now resulted in a potential legal nightmare for the state of Florida, which can be held liable for failing to properly ensure an untampered jury. Add to it the money that juror B37 could anticipate from such a book deal, which would be worth far more if given a not-guilty verdict than otherwise, and we are looking at a potential post-trial jury payoff negotiated through the husband.
And the concerns over Juror B37 are far older than that apparent after the trial. In watching her jury interview, one finds a very concerning pattern. As discussed by legal expert Gail Brashers-Krug, a former federal prosecutor and law professor and who is currently a criminal defense attorney in Iowa:
She really wants to be a juror. She seems to be going out of her way to minimize the disruptive effect of a multiweek trial on her life. Jurors rarely do that. She is also taking pains to avoid saying anything particularly sympathetic to either side. Both sides tend to be very skeptical of jurors who are particularly eager to serve on high-profile cases. Often they have their own agendas, or are attention-seekers.
We find a juror with their own agenda, who managed to sneak her way onto the jury, with unsupervised access to an element harboring their own viewpoint and opinion, and who aimed to profit off of a non-guilty verdict. She had the means, by having access to her husband unsupervised. She had the motive, by profiting off of a book deal. And she had the opportunity by being on the jury in the first place.
Jury tampering is a third degree felony in Florida, punishable by up to five years in prison. But with a man who would cover up a tuberculosis outbreak in charge of ensuring the judicial process is followed, it is highly doubtful a real investigation into jury tampering will happen in Florida.


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Apple's stock is now down about 30% from its high.
This plunge has led to a feisty argument between the Apple perma-fans, who dismiss the fall as "stock manipulation," and other investors, who think that several fundamental trends that have made Apple the most valuable company in the world have started to change.
After defending the stock for the first few months of its swoon, meanwhile, Wall Street analysts are now rushing to cut price targets and downgrade it.
So, who's right?
And how bad could it get?
Specifically, if those who believe Apple's fortunes are changing are right, how low could the stock go? And might Apple's stock just suddenly prove the doubters wrong and blast off to the stratosphere again?
Let's address the broader question first.
Sorry, But It's Not Just "Stock Manipulation"
I'm sorry to disappoint diehard Apple fans, but it is the height of reality distortion to believe that a 30% fall in the stock of the world's most valuable company is just "stock manipulation."
No one has the power to "manipulate" Apple's stock to that extent. Apple is one of the most liquid stocks in the world. The folks who trade millions of shares of Apple stock every day are a highly diverse group of investors. Bad information can temporarily move stocks, yes, but the market is very good at sorting out whether new information is bad information or weak information and discounting it accordingly. So if, say, last week's report that Apple had cut its iPhone orders in half was, in fact, inaccurate, the market has long since factored that possibility into the stock price.
Just because the market for Apple stock is liquid, of course, doesn't mean that Apple's stock price is "right."
The market gets it wrong all the time.
But, importantly, the reason the market gets it wrong all the time is that stock prices are based on what people think will happen in the future, not what has happened in the past. And no one knows what will happen in the future.
In case you haven't completely internalized that last paragraph, here it is again:
Stock prices represent a collective guess about what will happen in the future. And no one knows what will happen in the future.
The upshot of that is that Apple's changing stock price is all about what the consensus thinks will happen to Apple's fortunes and finances over the next few years.
And here, it seems clear, there are signs that several key fundamental trends that have driven Apple's stock for the past decade are changing.
I've described these trends in detail here and here.
Here's a summary:
- The market for "premium" smartphones is maturing, and Apple does not offer a low-priced smartphone for emerging markets--which is where the explosive growth is. Thus, Apple's growth will likely slow.
- Apple's competition has caught up in smartphones and is catching up in tablets (especially lower-priced tablets). Apple no longer has the market to itself.
- Apple's extraordinary profit margin will almost certainly decline as Apple sells more lower-margin tablets and, possibly, introduces a low-priced smartphone.
- The TV business, which Apple is expected to enter, is a brutally competitive low-margin business, and Apple's chances of revolutionizing this business seem low.
- Recent management changes illustrate that the Steve Jobs era really is finally over, and the new regime has not yet demonstrated that it will be able to produce the same Jobs-ian magic.
It's hard to imagine how a reasonable person could look at those trends and conclude that nothing has changed.
So it's not surprising that Apple's price-earnings "multiple" is compressing. That's what happens when fundamental trends start to deteriorate.
With Apple now at $500, the key question is, what's next?
Will Apple bounce right back and soar to the $1,000+ level that just about everyone was saying was a slam dunk four months ago?
Or will Apple keep falling? And, if so, how low will it go?
Well, importantly, no one knows. So don't hallucinate that there's some guru somewhere who can tell you.
For what it's worth, here are my thoughts on this:
Call me crazy, but I actually don't think Apple stock is going to collapse much further from here, at least not soon. The stock might drop to $400 or something--that would be normal volatility--but I don't see it crashing to say, $200, unless something radically changes.
Meanwhile, I think there's a good chance that Apple will continue to grow over the next few years, albeit at a slower pace than it has grown over the past few years. And this, I would guess, would leave the stock trading in a range of about $400-$700 for a few years.
Specifically, fundamentally, I think the following things will happen over the next few years:
- Apple's revenue growth will slow
- Apple will be forced to offer a low-price smartphone
- Apple will be forced to offer lower-priced tablets
- Apple will launch other new products but none will be world-changing mega-profit hits like the iPhone
- Apple's profit margin, which is currently an absolutely astounding 26%, will decline
- Apple's earnings growth will slow or even decline as Apple's profit margin drops
- Apple will continue to be an excellent and healthy company
The most important theory here from a stock perspective is the belief that Apple's earnings growth will slow, stop, or even decline.
This theory is based on the following assumptions:
- Apple's revenue will grow, but
- Apple's profit margin will decline
Let's put some numbers on that.
In the last fiscal year, Apple generated $157 billion of revenue and $42 billion of profit (26% profit margin).
Let's say that, in a couple of years, Apple's revenue grows to $250 billion, but its profit margin declines to 20%. In that scenario, Apple would earn $50 billion in a couple of years. That would be nice earnings growth, but it would be a major slowdown over the last few years.
More optimistically, we could say that Apple's revenue might grow to $250 billion but that the company could somehow maintains its profit margin. Then the company would earn $65 billion in a couple of years. That's a lot more than $50 billion.
More pessimistically, we could say that Apple's run as the smartphone and tablet champ really is over and that Apple will fail to introduce cool new products and a low-priced smartphone and that its revenue will only grow to $200 billion (or less) and its profit margin will shrink to 20% (or less). This would produce only $40 billion of profit--less than the company is earning now.
All of those scenarios, in my opinion, are reasonable. I don't know which will actually happen. But I think the most likely scenario is the first one I laid out... revenue deceleration and margin declines, all of which will lead to stock multiple compression.
The good news is that Apple's stock multiple has already compressed. The stock is now trading at 11-times trailing earnings.
That is just not a high price for a company of this quality and promise.
It's not a screamingly cheap price, either--plenty of companies trade for a lot lower than that--but it's not expensive.
But it's a price that suggests that, unless something terrible happens, the stock probably won't completely collapse from here.
Of course, there's always the chance that something terrible will happen.
The Armageddon Scenario
One thing that's important to remember when you're thinking about a company and stock like Apple is that amazing stock stories don't go from great to awful overnight.
The stories about massive "must-own" stocks that make investors a fortune over many years, only to then collapse and lose almost all of their value over the following several years, are legion.
In hindsight, these "round trips" seem obvious:
When the stock hit its peak, the 20-20 hindsight goes, any fool could have seen that it was going to completely collapse.
The reality, not surprisingly, is different.
A light doesn't suddenly just change from green to red.
Rather, something small changes, and the stock drops a bit. At first, everyone regards the drop as a "buying opportunity," just like all of the temporary drops of the past several years. Then something else changes, and the stock drops some more. This time, some people start to observe that something has changed. But most people still regard the fall as a buying opportunity. Then more things start to go wrong, and the stock drops some more. Now, everyone knows that things have changed, but the stock price has also dropped, so it doesn't seem to make sense to sell at the lower price--better to wait until the stock comes back a bit. Then more things go wrong. And the stock falls some more. And so on. Eventually, years after the peak, the company is a mess, and the stock is flat on its back, and everyone who didn't sell feels like an absolutely moron. But, importantly, at every step along the way, the stock was trading at a level that likely seemed reasonable relatively to a reasonable range of scenarios about the future. So the mistakes really are only obvious in hindsight.
I made that mistake with Yahoo in the 1990s. I thought that Yahoo would be one of the long-term dotcom winners--a must-own stock for the digital generation.
I was willing to accept a lot of volatility, because I was a long term investor.
So when Yahoo first collapsed, I didn't really mind.
But then, over the years, the industry changed, and Yahoo fell farther and farther behind.
Now, 15 years later, I own a $20 stock that once traded as high as $108. And I feel like a moron.
(True, it could have been much worse. Yahoo could be a $0 stock).
Of course, lest you think the moral of that story is "sell at the first sign of trouble!", I also thought that Amazon would be one of the big winners of the digital generation. So I bought and held that stock. Like Yahoo, when the dotcom bubble burst, Amazon collapsed. But, unlike Yahoo, Amazon eventually came back--and then some. My Amazon perseverance, in other words, has paid off--I have gotten a perfectly good return on my investment. My Yahoo perseverance, meanwhile, cost me my shirt.
So, the truth is you just never know.
And the point about Apple is this:
It may be that the new Apple will be just as astounding a company as the old Apple--that all the Apple doubters will soon be shamed and the stock will blast off to the moon again. That's certainly possible.
And it's possible that Apple will go through a multi-year period of "consolidation," in which the stock trades sideways in a big trading range. Google did that for years. Amazon did that for years. Microsoft has done that for 12 years. All of those stocks were "must-own" story stocks in their day. It happens all the time.
But it's also possible, I am sorry to say, that Apple is in the first stages of a Yahoo-like decline.
When Apple collapsed the first time, you will recall, back in the 1990s, Apple didn't go from "top of the world" to near bankruptcy overnight. The collapse took years. It included the hiring of John Sculley. Then the firing of Steve Jobs. Then the firing of John Sculley and the hiring of Gil Amelio. And a bunch of dud products. In other words, it was a long, gradual decline.
The same thing could be happening to Apple right now.
I don't think that will happen. I hope that doesn't happen. But to argue that it can't happen would be to stuff your head in the sand.
Apple's markets are changing. Apple's management is changing. Apple's products are changing, Apple's culture is changing.
No one knows for sure yet where those changes will lead.
But for the must-own "story stock" of past decade, the next few years are going to be interesting.
SEE ALSO: It's Official: Apple Has Lost Its Edge


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Now that embattled Mayor Bob Filner has announced his resignation, what happens next?
San Diego City Attorney Jan Goldsmith said Filner will officially leave the mayoral office on Aug. 30 at 5 p.m.
In the meantime, one of the first priorities is to schedule a special election. The City Clerk will establish a timeline for the election. By Monday, the City Clerk will address the legal requirements.
After that, San Diego City Council President Todd Gloria will work with the City Council to call for a special election.
According to Goldsmith, council must call for a special election within 90 days.
If no candidate gets the majority of the votes, a run-off election will be held.
In the meantime, City Council President Gloria will fulfill duties of the mayor. Council President Pro Tem Sherri Lightner will lead council meetings in place of Gloria during this period.
Gloria will take on limited executive duties, and will have authority to supervise the staffers remaining in the mayor's office.
Furthermore, Goldsmith says Gloria will retain his rights as a member of the San Diego City Council and can't veto over council actions.
Interim leadership will also include maintaining essential city services and making sure that the things that are sitting on the mayor's desk get done.
NBC 7 spoke with Gloria on Friday about the possibility of him running for mayor. Gloria didn't rule it out, but said the decision is a big one that he will have to thoroughly think about and discuss with his family.
"Well, I'm checking with my family, making some difficult decisions. This has only been going on for six weeks. No one would've thought this was possible, including myself, so before making a very large decision, I'm going to make sure it's the right decision for San Diego," said Gloria. "But, right now, again, my most important duties are to continue as council president and prepare to become interim mayor."
Meanwhile, Nathan Fletcher and Tobiah Pettus have officially filed paperwork in order to run for the position of San Diego mayor. In a written statement, Carl DeMaio says he too is considering a run.
On Saturday, DeMaio released the following statement:
"Countless San Diegans have reached out to my office to share their thoughts and hopes for moving San Diego forward – and I want them all to know I am listening. San Diegans want a Mayor with integrity who offers a sincere and consistent vision and can bring people together to get things done. It's time for leadership at City Hall that San Diegans can be proud of again."
Photo Credit: Monica Garske


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I seem a little bit harsh on the Maoist party and its leaders in my latest op-ed. I am not taking sides and won't do it. This column is not political; it is based on what the data shows and what I think explains the trend in trade deficit with India. I avoid politics as my domain is economics and economic policy.
To be fair, I see YCL's and the unions' disruptive activities as nothing but a problem for the industrial sector. I don't care what they do in other sectors and in politics, but browbeating the investors and chasing away multinationals would do no good to the Nepalese economy. The industrial sector is bleeding, hence the high trade deficit, because of the militant activities in and around production sites, where production should take place, not destruction. I am clarifying this because I have received several emails saying that I have been particularly biased against and harsh towards the Maoists. Well, I am not. I have written articles supporting the Maoists government's economic policy and have also criticized not only their's, but also other party's policies.
Recently, Maoist Chairman Pushpa Kamal Dahal laid out five agendas for talks with India. Two of them are related to trade. He wants trade deficit with India to be "corrected" and "prompt strategy" taken to help Nepal gain from the growth of the two giants economies between which she is 'sandwiched'. (By the way, was that also a "satire"?)
High trade deficit with India is not a new phenomenon at all. It has been increasing in line with our excessive dependence on the Indian economy. What is surprising this time around is that the balance of trade – the monetary value of exports minus imports of output over a certain period of time – with India has increased dramatically (see the figures). This is alarming because a high trade deficit and an unfavorable balance of payments situation signals troubles in an economy—especially its capacity to ensure exchange rate and macroeconomic stability, and to sustain imports levels to support rising domestic demand for foreign goods and services.
Total trade deficit with India in the first quarter of this fiscal year was Rs 38.9 billion, a 38.8 percent increase from the same period last year. Total exports to India decreased by 11.4 percent and total imports increased by 25.2 percent in the same period. Overall, total trade deficit is increasing rapidly since the Maoists intensified their insurgency at the beginning of this decade. The rate of increase of trade deficit has been especially high after the Maoists joined the government and started messing up with the industrial sector with demands that are inconsistent with the present state of our economy.
Rather than blaming India for increasing trade deficit, Dahal needs to do some soul-searching to realize to what extent his party has contributed to the demise of the manufacturing sector, export-oriented production, and export potentials.
There is consensus among policymakers and analysts that the rising trade deficit is unsustainable. It needs to be rebalanced. But, how? Dahal pointed his finger towards India and indirectly blamed her for increasing Nepal's trade deficit. Either he does not comprehend what causes trade deficit and our inability to benefit from the booming economies of neighbors or he is blaming India to arouse unnecessary nationalistic feeling to consolidate party and voter base.
A high trade deficit is caused when the total monetary value of exports is lower than the total monetary value of imports. This is exactly what is happening right now. The share of and monetary value of imports from India are higher than exports to India. Is this India's fault, like Dahal is hinting, or are we too dependent on the Indian economy for daily needs? Undoubtedly, whatever Dahal says, the latter is the case.
What are the factors that are causing high imports and low exports? At a time when the economy is stagnating, high imports from India are primarily driven by high demand arising from increasing remittances. The inability to utilize remittances in productive investment at home, except for producing bubbles in real estate and housing markets, is a prime factor for diversion of remittance money to India.
In principle, the government could raise tariffs and impose non-tariff barriers to slowdown imports from India. However, this might be counterproductive because the problem here is not oversupply from India; it is excess demand of Indian goods and services by Nepali consumers. An increase of tariffs on agricultural goods, of which domestic demand is higher than domestic supply, would be devastating as it poses a real danger of flaring up general prices.
Meanwhile, a marginal increase of tariff on non-agricultural goods would not be effective because middle-class consumers would effortlessly adjust consumption pattern to suit their fascination for non-agricultural goods and services imported from India. Additionally, there is nothing the government can do to decrease oil imports from India because the demand is going to be far greater as power shortage escalates in coming days. So, in terms of slowing down imports, there is little room left for policy maneuver that would be independent of general prices.
The only way we can 'correct' trade balance with India is to increase exports. India has already opened up its market for most of the goods exported by Nepal. Unfortunately, Nepal has failed to take advantage of the opportunities. Whose fault is it? Going by Dahal's interpretation, it is India's fault! Quite contrary to his misguided opinion, it is primarily the Maoists' fault.
Allow me to explain how. Think of the major constraints on exports to India: An increase in cost of production in the domestic market; a decline in total production of goods and services; and the inability to deliver goods on time.
First, the pressure to increase wages and allowances, lack of regular supply of electricity and increasing strikes in and around industrial complexes have shot up cost of production, making Nepali goods and services relatively uncompetitive in the Indian market.
Second, persistent strikes demanding for life-long permanent employment status irrespective of labor productivity and efficiency, and forced closure of firms have compelled investors to involuntarily shut down factories. Not only domestic firms but multinational firms have stopped production due to stupid, business-unfriendly drama orchestrated by militant Maoist-affiliated trade unions and YCL cadres. This has led to decrease in manufacturing activities, total production, and employment.
Third, due to numerous transportation strikes and insecurity along the main trade routes, delivery of goods to the Indian market have been severely hampered, leading to a loss of faith and demand from Indian clients.
In each of the three constraints outlined here, the Maoist- affiliated sister organizations have played a crucial role in strengthening them, thus costing the nation billion of rupees in export revenues. This has resulted in low monetary value of total exports and widening of trade deficit.
Rather than blaming India for increasing trade deficit, Dahal needs to do some soul-searching to realize to what extent his party has contributed to the demise of the manufacturing sector, export-oriented production, and export potentials. It is essentially Dahal's trade deficit!
[Published in Republica, December 29, 2009, pp4; http://bit.ly/6ZfTSf]


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Founded in 1858, Beertown embodies the innovative, pioneer spirit of its 19th century forefathers. When brewers Rhys Bramblethorpe and Aloysius P. Thompson left New York City, they set out to find land with the purest spring water and most beautiful … Continue reading
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628: Psychic
Title text: You can do a lot better than 1% if you start keeping track of the patterns in what numbers people pick.
A psychic is a person who is able to access information that is beyond normal sensory perception through extrasensory perception. This information may vary widely in scope and value, ranging from archaeological to the ability to read minds. Cueball describes himself as such a person, to which Megan responds with disbelief because it is a bold and unsupported claim. To prove his abilities, Cueball has Megan think of a random number from 1 to 100, which he then guesses correctly to demonstrate his ability to read minds. Megan is amazed that Cueball was correct, but he simply dismisses her disbelief and wants to go back to pretending to lead a normal life.
The four panels are actually a setup to the real joke in this comic: the final sentence spoken by a narrator. It reveals that Cueball has simply played a trick on Megan and that anyone can repeat it. The joke is that, theoretically, a person can guess a random number from 1 to 100 once in one hundred tries, or 1% of the time, according to the law of large numbers. By playing this trick enough times on enough friends, the trickster is statistically likely to get a number right eventually. Assuming the person whose number he guesses is not familiar with the trick, it will appear as if the trickster is actually psychic. Should this happen, the trickster can then play the joke out as he wants, hence the "it's totally worth it" at the end.
The title text appeals again to statistics. People are poor random-number generators—e.g. being less likely to pick numbers at the extremes or exactly in the middle. Knowing this, the 'psychic' could restrict his guesses accordingly, improving his odds of guessing correctly.
- Cueball: I'm psychic, you know.
- Megan: There's no such thing.
- Cueball: Okay, think of a number from one to one hundred.
- Megan: Okay.
- Cueball: 43.
- Megan: Holy shit!
- Cueball: I try not to let it affect my life too much.
- Megan: Wait, I can't believe this.
- Cueball: Don't worry about it. Forget I said anything.
- Megan: But-
- Cueball: Let's get to the movie.
- Megan: I, uh... Ok, sure.
- This trick may only work 1% of the time, but when it does, it's totally worth it.
add a comment! ⋅ add a topic (use sparingly)! ⋅ refresh comments!
Tip: No one picks 50. 184.108.40.206 01:35, 14 March 2013 (UTC)
- The Answer to the Ultimate Question of Life, the Universe, and Everything is 42. This comic is wrong ;) --Dgbrt (talk) 18:52, 6 October 2013 (UTC)
Interestingly, it appears Megan was trying to trip Cueball up. The obvious choice would have been "42", a number with very geeky connotations, to say the least. Megan may have thought of it immediately, known Cueball would suspect, and gone for the next higher number, 43. Of course, Cueball was smart enough to realize this simple trick, and knew Megan was, too. So he won anyway. 220.127.116.11 (talk) (please sign your comments with ~~~~)
I seems that 37 (or 73) would be most not-random random. Though I cannot say, that sources are 100% reliable: [1] [2] 220.127.116.11 08:57, 15 May 2015 (UTC) Koovert
Wait, if Cueball's probability to pick a specific number is 1/100 and Megan's probability to pick a specific number is also 1/100, wouldn't the probability of their picks being the same be 0.01%? --Jogerj (talk) 02:11, 12 August 2015 (UTC)
- Yes, now multiply it by 100 because there can be 100 specific numbers. Anachor (talk) 10:17, 27 August 2015 (UTC)
- No, because you only have to have one of them match the other, not both of them match a number from some other source.22.214.171.124 07:07, 30 August 2015 (UTC)
Ooh, so the 17 thing is real after all! I've long since spotted it, but was never sure whether it's objective or just me preferentially noticing this number. Man, it feels good to be vindicated. 18.104.22.168 05:11, 26 April 2016 (UTC)
Did anyone else read this that this trick worked and got Cueball a date to the movies? He took the lead, assuming that she would go along with because she was amazed by his psychic ability. Cosumel (talk) 05:35, 8 March 2020 (UTC)


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Hip Hop Producer Alchemist spoke with VladTV about the track that made him fall in love with Hip Hop.
Ignoring the coastal feuds that dominated hip-hop for most of the '90s, the Alchemist (born Alan Maman) began his career in L.A. (he grew up in affluent Beverly Hills) and ended up in New York City. As a teenager, as part of the duo the Whooliganz (with Scott Caan, son of James) and the greater rap collective the Soul Assassins (with Cypress Hill, House of Pain, etc.), he released the single "Put Your Handz Up" on Tommy Boy in 1993, though the Whooliganz' debut full-length, Make Way for the W, was eventually shelved. The Alchemist continued making beats, however, working with and learning from DJ Muggs on 1995's Cypress Hill III: Temples of Boom as well as with childhood friend Evidence of Dilated Peoples.
After moving to New York to attend college, Al hooked up with Queensbridge duo Mobb Deep, producing the songs "The Realest" and "Thug Music" from their 1999 record Murda Muzik, a collaboration that led to work with Pharoahe Monch, Royce da 5'9″, Fat Joe, Defari, Freddy Foxxx, Ludacris, Big Daddy Kane, and Ghostface Killah, and even rock acts like Linkin Park and Morcheeba. In 2004, the Alchemist released his first solo full-length, 1st Infantry, which, besides featuring his own beats, also had him rapping alongside Stat Quo, the Game, Lloyd Banks, Mobb Deep, and Dilated Peoples, among others, and in 2005, after Eminem's DJ Green Lantern left the Anger Management 3 tour, the Detroit rapper hired Al as his replacement.
In 2006, the Alchemist showcased his work with a pair of mixtapes of previously released and unreleased material, The Chemistry Files and No Days Off. After releasing the instrumental collection Rapper's Best Friend in 2007, 2009's Chemical Warfare featured Eminem, Juvenile, Dilated Peoples, and the Lady of Rage. The year 2012 found him releasing Vol. 2 of Rapper's Best Friend along with Vodka & Ayahuasca, a collaborative album with producer/rapper Oh No recorded under the name Gangrene, and Russian Roulette, an album built by sampling Russian music. A year later he worked with Prodigy on the album Albert Einstein, while 2015 saw him collaborate with Oh No on Welcome to Los Santos, a collection inspired by the virtual radio stations found in the video game Grand Theft Auto V. ~ Marisa Brown, Rovi


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What Are Some Things I Can Do Right Before Or While I'm In Bed To Help Me Sleep Better At Night?
Dr. Reena Mehra answers the question: 'Pre-Bedtime Strategies to Sleep Better?'
-- Question: What are some things I can do right before or while I'm in bed to help me sleep better at night?
Answer: So this gets at basically having a bedtime routine that is relaxing. And things that you can do include avoiding things such as watching TV prior to bedtime. Many people have TVs in their bedroom, but if you're watching TV and the latest crime report--this is not conducive to good sleep.
In addition, don't keep work in the bedroom. So if you have a computer in the bedroom, and that sort of thing, try to do those work-related activities outside of the bedroom. The bedroom should be a dark, safe, quiet place and one that's conducive for relaxation and sleep.
You should also avoid eating large meals prior to bedtime; nothing once again before four to six hours prior to falling asleep. Avoid heavy meals, those that are very fatty, or sugary, or spicy. Particularly spicy meals can aggravate, GERD or reflux disease and cause heartburn symptoms that can disrupt sleep.


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Your upgrades and gear ship safely with OWC. Learn more. »
Your upgrades and gear ship safely with OWC.Learn more. »
The OWC parts seem very sturdy & their fit & finish was perfect.
The mount was easy to install and I can add a 3.5" drive there in the future.
Note: if you do use two drives in the multi-mount, you'll end up using the data cable that goes to the upper CDROM/DVD drive.
It totally transformed the performance of my Mac Pro as well as the way I worked. If you are looking to add extra drives to your Mac Pro, then this upgrade is one of the best ever!
The mount is well made and comes with all the mounting screws and cables that you need but most impressive was the excellent instructions. While initially reading them I wondered if all the steps were really necessary but once I started I came to appreciate how good the instructions were.
Also, the shipping took about 24 hrs - amazing.
1. Memory cards 2. Two sets of screws at the memory card cage 3. Video card 4. All disk drives and sleds 5. Screw that attaches the processor cage (for which you'll need a long-tang'd Phead driver) 6. Fan cage 7. Optical bay, itself
I got as far as #5 before reflecting on how hard it would be, potentially, to reattach that piece, when I left off.
This is, of course, not OWC's fault. It was an Apple design decision that this part of the box didn't need easy access that causes the problem.
I'd rate this 5 if it were a bit more obvious on the item description what is involved in using the part.


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Peer-Reviewed Publications
Found 15 resultsTitle
Filters: Keyword is Logistic Models [Clear All Filters]
Adult-supervised practice driving for adolescent learners: The current state and directions for interventions." J Safety Res. 2012;43(1):21-8."
Rates of early intervention referral and significant developmental delay, by birthweight and gestational age." Maternal and Child Health Journal. 2012;16(5):989-96."
Passenger compartment intrusion as a predictor of significant injury for children in motor vehicle crashes." J Trauma. 2009;66(2):504-7."
Risk factors for death among older child and teenaged motor vehicle passengers." Arch Pediatr Adolesc Med. 2008;162(3):253-60."
Teen driver crash risk and associations with smoking and drowsy driving." Accid Anal Prev. 2008;40(3):869-76."
Unlicensed teenaged drivers: who are they, and how do they behave when they are behind the wheel?" Pediatrics. 2008;122(5):e994-1000."
Effects of seating position and appropriate restraint use on the risk of injury to children in motor vehicle crashes." Pediatrics. 2005;115(3):e305-9."
Injury risk to restrained children exposed to deployed first- and second-generation air bags in frontal crashes." Arch Pediatr Adolesc Med. 2005;159(4):342-6."
Trends in operative management of pediatric splenic injury in a regional trauma system." Pediatrics. 2005;115(1):89-94."
An evaluation of the effectiveness of forward facing child restraint systems." Accid Anal Prev. 2004;36(4):585-9."
Factors associated with front row seating of children in motor vehicle crashes." Epidemiology. 2004;15(3):345-9."
Belt-positioning booster seats and reduction in risk of injury among children in vehicle crashes." JAMA. 2003;289(21):2835-40."
Screening for risk of persistent posttraumatic stress in injured children and their parents." JAMA. 2003;290(5):643-9."
Discovery of predictive models in an injury surveillance database: an application of data mining in clinical research." Proc AMIA Symp. 2000:359-63."
The learning classifier system: an evolutionary computation approach to knowledge discovery in epidemiologic surveillance." Artif Intell Med. 2000;19(1):53-74."


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Open Bugatti Veyron for 1.14 million
* Bugatti confirms production * 150 cars to be built * Costs 1.14 million pre-tax...
Anyone rushing to lay down a deposit for the 1.2 million Aston Martin that we revealed last week had better hang on because now we can bring you the story of the 1.14 million Bugatti.
Bugatti has confirmed it will build just 150 Veyron Grand Sports cars an open-topped version of the iconic Veyron.
The car will feature a transparent polycarbonate roof that can be lifted on and off by owners. It cannot be stowed in the car, but Bugatti has incorporated an emergency soft top that can be stowed in the boot and used if it rains.
Although the bodywork has been changed to ensure the car remains stable at high speeds and wind intrusion into the cabin is kept to a minimum, it will retain much of the hard-topped car's eye-watering performance capabilities because it will use the same 987bhp engine.
Top speed with the roof in place will be 253mph, with it off, 217mph, and with the emergency soft top in place, 80mph.
The Grand Sports is also expected to be heavier than the standard Veyron, because it has been significantly strengthened to compensate for the loss of the roof.
Oh, and if you are thinking of buying one, that 1.14 million price is pre-tax, and around 150,000 more than the sold-out standard Veyron.
The first 40 cars are reserved for existing Bugatti customers, and deliveries are expected to begin in March 2009.


text: Acclaimed scholar and humanist Martha C. Nussbaum turns her attention to the current political climate crisis of party polarization, divisive rhetoric, and the increasing inability of two halves of the country to communicate with one another in her most recent work, The Monarchy of Fear. At the heart of the problem, Nussbaum sees a simple truth: The political is always emotional, and the psychological constant of fear of the other will always be at-the-ready to fuel the fires of anger, disgust, envy, and blame. Drawing on a mix of historical and contemporary examples, from classical Athens to the musical Hamilton, Nussbaum will discuss the emotions behind our political culture, and suggest a roadmap for where we might go next.


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New York, NY/February 28, 2013— Penton's WealthManagement.com Advisor Confidence Index (ACI), a benchmark of financial advisors' views on the U.S. economy and the stock market, rose by 8.4% in February 2013 to end at 109.7, the highest level it has been since April 2012.
WealthManagement.com's Advisor Confidence Index (ACI) is a monthly benchmark with an eight-year history that gauges registered investment advisor (RIA) views on the U. S economy and the stock market. ACI data is compiled from a survey 300+ panel members that work at leading RIA firms who are prequalified for their industry experience and assets under management. The survey asks advisors for their views on the outlook for the economy now, in six months, in twelve months, and on the stock market.
February marks the third month in a row that the index has climbed higher, since suffering an 11% decline in November, reflecting uncertainty surrounding the election and the resolution of the fiscal cliff. Since then, markets have climbed 10% and advisor confidence has rebounded.
"Clearly, the U.S. economy is mending," says ACI panelist William Green of GL Capital Partners. "Home sales, employment and confidence all look stronger. Expect a few bumps or flare ups along the way, but the U.S. economy is forming a positive base. My outlook for 2013 and 2014 remains quite positive."
All four components of the ACI experienced an increase in confidence over the prior month:
Survey participants are clearly optimistic about the near-term future of the economy, but many think the recent market boom is being fueled more by federal stimulus spending than economic fundamentals. And while the near term may look positive, dangers lurk further out.
"As long as the Fed is artificially suppressing interest rates and treasury rates have seemed to hit bottom, money will flow to equities as it searches for yield," says ACI panelist Rick Horton of WealthPlan Advisors. "Once governments start down the road of printing money, they are like an addict and have a hard time giving it up. When the Fed announces that they no longer will suppress rates, then we should see a bubble of some sort in both the bond and equity markets. Probably won't happen for twenty four to thirty six months."
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As the digital resource of REP. and Trusts & Estates, WealthManagement.com provides everything wealth professionals need to know to stay knowledgeable about the industry, build stronger relationships, improve their practice, and grow their business—all from one site. It boasts more than 60 editorial contributors who provide content for the more than 645,000 members of our wealth management community.
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