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Refusing to wash the dishes, blasting dubstep at 4am, never replacing the butter? Sound familiar? We selected the most often committed, and worst, of multiple occupancy crimes. Don't think they're a big deal? See if your flatmate agrees…
by Indiana Murphy, Matt Aspin, Luiza Stefanova, Emily Rae, Maria Loupa,Lauren Windas, andColette Hunter
Playing the sexaphone
There is a massive difference between knowing it happens and hearing it happen through your wall at 2am. For example, I knew of a girl in halls that would have such loud, shall we say, 'sessions' with her boyfriend every time that he came to visit, that the poor girls living next to her resorted to pinning a note to her door saying 'Please keep the sex noises to a minimum during anti-social hours.' It instantly made her business common knowledge to anyone who walked passed her door. Well, until the girl hastily took it down. Sure it must have been really embarrassing for the girl but if it made her more considerate from then on I would say it was well worth it. Not only is it very disruptive (a woman was once given an ASBO after a particularly loud lovemaking session!) but also it's just common courtesy to be considerate of the people you live with, just like you wouldn't leave the loo without flushing. If the tables were turned I bet you wouldn't want to hear your neighbours going at it, particularly in the early hours of the morning.
Being a ham-burglar
There is nothing worse than waking up in the morning only to discover that the family-sized carton of fruit juice you had bought in preparation for the next day's hangover, or that eight pack of sausages which you were going to devour for breakfast, have been stolen. What's worse is when you realise that those who have taken it are, in most cases, people who are your friends and who know full well how much it annoys you! Of course, there is almost certainly never any malicious intent behind such an act, but knowing that at the time the culprit was highly intoxicated or that they 'were going to replace it' when they next ventured to a supermarket is hardly a comfort at 8am after a night of trebles. What's more frustrating is that the perpetrator in question is often not subtle or discrete. They don't take some juice, but rather the whole carton and they don't have a few biscuits, but instead the whole packet, leaving the empty packet and crumbs scattered across the entire kitchen. If you find yourself reading this and have no idea what I'm talking about, the chances are, you are the one committing the sin!
Not such a goody-too-shoes
On your way back home you find cash in your pocket that your mum secretly gave you before coming back to uni. Some retail therapy is in serious need as some nice spring promotions are, like, begging for your attention! Can't resist, can you? While walking for hours and hunting for the perfect prey in shop windows, those impatiently anticipated heels that you adore now have a precious red 'SALE' label. Your mind is already living the dream of the long-awaited celebration, as these beautiful shoes, that had always belonged to you, become yours. The battle is won. You even imagine how you are going to match your make-up for the night with the colour nuances of your newly-bought treasures…
Guilty or not, in the moment that your flatmate decides your heels would work well for a Sinners' Friday night out they have taken an important decision. It's a sin, isn't it? But what can you do? Maybe the shoes didn't have your name tied on their fancy spirituality after all. You can do it. Move on!
Tasteless tunes
This housemate is easily recognisable by their bleary eyed stare and multiple ear infections due to prolonged headphone usage. Music, like clothes, is a very personal choice. Both are considered forms in which you can express yourself. However, with music, unlike clothes, sometimes you do not get to choose the type you want. Hearing your international housemate belt out their best Adele impression in the shower can be quite endearing, a constant dubstep beat accompanying your breakfast cereal, not so. This is one occasion when the bass dropping is faced with despair that the song is continuing rather than frenzy on the dance floor. The only way this housemate can be deterred is to start a song battle (think School of Rock). Select a song, preferably something genre-clashing and let the battle commence. They get louder, you get louder. You may lose the friendship of other housemates in the process but it's a small price to pay for your eardrums intact. Whoever loses has to endure solely the other housemate's choice of 'chooooons' for a week. Just be grateful they haven't formed a classical violin quartet.
Moment murderer
If it is bad enough listening to your roommate going at it like a possessed cheetah shouting "Geronimo", imagine how much worse catching the live show could be. Trust me when I say that some things cannot be unseen… Unless you have a kinky and perverted side in you, you will not enjoy running into your roommates caressing their loved one, or while they are releasing their tension in the toilet. Once you've seen their 'happy ending' faces, things will never be the same again! Just try to knock every single time before you enter a room, and you are guaranteed a scarred-free place in flatmate heaven.
Selfish squatters
With danger of all the other sins being committed by your loved one combined, this sin could be considered the worst of all. Perhaps one of the easier sins to commit – if your relationship is good then it's sometimes hard to notice when you're spending too much time together.In a student house, the line between guest and household member can easily become blurred. So at what point do you hint for him or her to start contributing to the weekly Tesco run? It may be a difficult topic to discuss and there is potential for friction and awkward confrontations but just remember: love is blind, but your housemates aren't!
Chunder blunder
This is probably the messiest (and most disgusting) sin to commit as a housemate at university. With Newcastle's renowned nightlife, many of us are bound to stroll in at early hours of the morning pissed off our faces. Those unfortunate students may have already experienced the unpleasantness of waking up to a flat covered in vomit, and those offenders are likely to have lied in a bed full of the mess too. Getting drunk and throwing up everywhere will definitely not make you popular with your flatmates and it is more than likely that you have to clean up the mess. This sin is clearly not one to repeat, so you may want to rethink that last shot of tequila next time before you end up in this unfortunate and unhygienic circumstance.
All illustrations: Daisy Billowes
*As published in http://thecourieronline.co.uk/2012/04/seven-deadly-housemate-sins/
Guess which one is mine..!


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The battle rounds have been wearing on Team Voice, and it shows. (Yes, I am pretending that these last four episodes have been shot and edited 100 percent chronologically, as opposed to the three separate days Christina Aguilera had free from her busy touring schedule.) How else to explain Jewel's unapologetic stinkface while listening to a particularly cloying rehearsal, Blake and Miranda staring with blank dismay at a singer who doesn't understand harmony, or Cee Lo Green breaking down not once, but twice—both times blaming emotional volatility on his sensitivity as an artist. Yes, while American Idol is a show about Singers and The X Factor is a show about Acts (these are words each show uses as its contestant-synonym), The Voice is a show for Artists. It's such a loaded word, and belies the show's comparatively lofty ambitions—ambitions which both set it apart and lead to some rather embarrassing outcomes. As we've seen throughout the battles, nearly everyone on The Voice is a Singer, fewer are Acts, and even fewer are Artists, so to build all of them up as such does them no favors. Still, several contestants were able to rise to the occasion, and the battle rounds ended on a satisfying, if not overly thrilling note.
Our first battle is from Team Cee Lo, and don't worry, by this point you're completely forgiven if you've totally forgotten who any of these kids are. Though, who could forget James Massone, the greasy Bostonian with transparent and horribly misguided designs to be the next Justin Bieber? He's up against WADE, a kid with a terrible first name to use as a mononym, much less put it in all caps. WADE is a better singer technically, but he's stylistically bland—he hasn't yet realized that "old school Motown throwback" doesn't work as a unique selling point on a show where everyone thinks "old school Motown throwback" is their unique selling point. James is a basket o' nerves during rehearsals, prompting typically genial Cee Lo to bring down the hammer and tell him to snap out of it. Will there be a comeback? But of course! The boys make Cee Lo cry during rehearsal, but the actual performance is pretty weak—mostly due to their inability to nail harmonies. For some reason the judges lay the blame on WADE even though that seems like a cooperative effort, and Cee Lo picks James as the winner.
The next two battles forced a couple of artists who worked with more than just a Voice to find a way to make their styles work in a duet. On Team Adam, Nicolle Galyon eventually ditched her piano in order to battle with Mathai on more-even footing, but ended up shooting herself in the foot; the absence of the piano made her lack of charisma next to her competition painfully obvious. And on Team Christina, Moses was forced to sing rather than rap the majority of "(I Can't Get No) Satisfaction" against country duo The Line. This battle had me conflicted—on the one hand, The Line were dull and stagey in every way, and She Line was quite the grumpypants; on the other hand, is it really fair for an MC to be on this show? It worked fine on a show like The X Factor, which purported to emphasize performance and star power over pure vocals, but The Voice, maybe even moreso than American Idol, is supposed to be a pure singing competition—at least that's the impression I've always gotten. I'm more inclined to root for Moses purely for his underdog status, but we still haven't really seen much of his rapping skills—and his five-second verse tonight didn't seem all that special to me. Surprisingly, the battle isn't the worst sounding thing tonight, and Moses grabs the final spot on Team Christina.
Okay, so back during the blind auditions I know I kept saying that nearly all of the singers were talented. Let me clarify right now that this meant that I recognized they could sing capably, not that I necessarily liked all of them, and in the final three battles we were reunited with some of the more unsavory characters from our long and winding Voice journey. This made for some slightly more suspenseful viewing; it's always more fun to have a horse in the race. But I realized halfway through Team Blake's final battle that I wasn't rooting for Naia so much as I was rooting against reptilian-eyed, harmonically challenged Jordan, and I wasn't rooting for Karla as much as I was rooting against slightly murderous-seeming Orlando (though Karla's victory lap around the piano with Adam and Alanis was pretty darn cute). For all the time we've spent talking about shitty day jobs and financial woes and various diseases, The Voice hasn't been very good at getting us to really latch onto artists on a personal level. It's a combination of these artists coming off as much more professional and guarded than your typical open-book American Idol contestant, and just a lack of memorable narrative editing. Karla and Naia both won their battles against boring boys, but nobody in either battle really knocked it out of the park.
The final matchup is for Team Cee Lo, with working Broadway professional Tony Vincent up against former Last Call With Carson Daly house band member Justin Hopkins. Totally fair fight, right? I wasn't particularly blown away by Justin in his audition, but there's something about Tony that is so false and preening that it's impossible for me to root for him. He is "ambiguous" as Cee Lo delicately put it, both in style and onstage demeanor, but it's not a fun kind of ambiguous—Tony's going to have a hard time connecting with voters if he continues to take himself so scarily seriously, approaching every performance with perfectly rehearsed and soulless vocal histrionics. Whoops, I guess I spoiled that one—Tony wins the last spot on Team Cee Lo, even though both Blake and Adam prefer Justin's more genuine style. Of course, when Carson lists the six team members that Tony is joining in the live shows, I remember that Cee Lo basically picked the wrong person in every single battle (Cheesa? Cheesa!?) so nothing should have surprised me.
The battles are over… but the war has just begun! (What do you think, guys, should I audition to write Carson Daly's copy? NBC should have a show about that… okay, maybe just a web series.) Next week we start doubling down on episodes, with live performances on Mondays and results shows on Tuesdays. Don't worry, this will not interfere with your American Idol viewing schedule, and if you're like me and watch both shows out of professional responsibility/self-loathing, rest assured that you will spend four nights a week for the next month watching people sing competitively on television, and you will probably be a worse person for it.
Stray observations:
- "It's a problem, and one you'll have to correct in a timely fashion." Sunglass-less angry Cee Lo is actually kind of terrifying?
- Love Mathai, but that elbow thing is going to get very old very fast.
- During the whole "(I Can't Get No) Satisfaction" performance I kept thinking, "This song's verses are practically hip hop verses! Let Moses rap!" I was disappointed that he just ended up reciting the lyrics superfast, rather than improvising or adding his own words, the way Astro on The X Factor would when assigned a song to "cover."
- Who doesn't know "Rich Girl"!?
- "Vowels is where, uh, the strength of the voice comes from." Ladies and gentlemen, vocal professional Robin Thicke.
- Who's got the most badass team? I think Adam got the best of the bunch by far, with Christina and Blake tying for a distant second, and aside from Jamar, Cee Lo has dug himself a bit of a hole this time around. (CHEESA!)

subset: commoncrawl


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Task Force Recommends Women Get Fewer Pap Tests
A federal group recommends women receive Pap smears every three years.
October 19, 2011 -- The U.S. Preventive Services Task Force announced Tuesday that healthy women between the ages of 21 to 65 should only receive a Pap smear every three years. The federal panel, which is made up of experts in prevention and primary care, also did not support regular HPV screening for most women.
The experts warned that women are currently receiving too many Pap tests, saying the excessive screenings could cause more harm than good.
Instead of continuing to overtest, the task force said it would be better to reach out to those who have never been screened.
"There are a number of women who have never been screened, and that remains a challenge," said Wanda Nicholson, one of the task force leaders and associate professor of obstetrics and gynecology at University of North Carolina at Chapel Hill School of Medicine. "We need to keep those women at the top of our priority list and brainstorm for interventions for better access."
Since the Pap smear became a regular part of women's health, deaths from cervical cancer, which was once the No. 1 cancer killer among women, have dropped dramatically.
"Cervical cancer screening is a success story, but the more testing you do, the more you run the risk of false positives, and potential harm over treatment," said Nicholson . "Cervical biopsies are associated with pain and bleeding, they can cause short-term anxiety and worry about these subsequent procedures, and those treatments can [up the] risk of poor pregnancy outcomes, including preterm or low-birth weight babies."
The new recommendations coincide with most of the task force's 2003 recommendations. One difference: The older guidelines recommended screening begin within three years of becoming sexually active, or at the age of 21, whichever comes first. Now, doctors say there is no need to begin regular screening before the age of 21, whether a woman is sexually active or not.
Most experts agree with the new guidelines.
"Cervical cancer can be slow growing and there really is no need for annual testing," said Dr. Ranit Mishori, assistant professor of family medicine at Georgetown University School of Medicine. "The hard part will be convincing patients, and particularly other doctors, that annual screens are not needed."
The task force also discouraged regular Pap screening among teenagers, which is consistent with the recommendation from the American Academy of Pediatrics. Women older than 65 and those who have had their cervix removed are also discouraged from regular screenings.
"This latest USPSTF recommendation against HPV screening and for less frequent Pap testing further endorses that more is not always better when it comes to evidence-based preventive care," said Dr. Mark Fendrick, a professor in the department of internal medicine at University of Michigan School of Public Health. "Excess testing comes at the expense of patient inconvenience [and] discomfort, unnecessary costs, as well as the mental anguish and potential side effects of false positive results."
The American Cancer Society has the same recommendations for Pap testing, but has a different view for HPV testing.
"The main difference is that, dating back to 2002, the American Cancer Society and several other organizations recommended that HPV testing, along with the Pap test, is a good option for screening women starting at age 30," said Debbie Saslow, the American Cancer Society's director of breast and gynecologic cancer, who noted that several studies show the testing provides even further insight into cancer prevention.
Two years ago, the task force made new recommendations that low-risk women receive a mammogram every two years, rather than every year. Last week, the task force stirred up debate when the panel recommended against PSA tests for prostate screenings in healthy men, which many get yearly.
The task force also recommended against testing women younger than 30 for HPV. The doctors wrote there is insufficient evidence as to whether HPV testing, alone or in combination with Pap smears, adds to cervical cancer prevention. "HPV often clears on its own and is prevalent in younger patients," said Mishori. "Not screening so frequently will give time for the infection to clear on its own, as it often does, and help ensure that too many unnecessary follow-ups and procedures will be avoided."
It is important to note that a Pap smear does not mean annual screening. Experts noted that women often confuse the two, but women still need their annual pelvic and breast examinations.
"With all these different recommendations, we run the risk of having people to start missing their Paps and make it seem like they're not important enough," said Dr. Jacques Moritz, director of gynecology at St. Luke's-Roosevelt in New York City. "You still need your annual exam. That means, you need your breast and pelvic exam, you just don't need the actual swabbing of the cervix every year."


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Is Fresh Pumpkin Worth the Work?
Only if you can get your hands on the right variety of pumpkin. "Luxury" pumpkin is an heirloom kind that is perfect for pies, cookies whatever. Do not try to use the big, old jack-o-lantern types. They were bred to have thin sturdy walls for easy carving, not for flavor. The most available cooking pumpkin is the sugar pie pumpkin. It's OK, but the texture and flavor don't compare to the Luxury.
One year I couldn't find Luxury pumpkins and used regular pie pumpkins instead. Next year I went back to canned. (And did you know that canned pumpkin is not exactly pumpkin? It's usually made from a variety of different squashes chosen for flavor and texture rather than our orange friend?)
Luxury pumpkins aren't beauties, but they have nice thick walls and are easy to hack up and bake and the flavor is fresh and slightly sweet. It takes 30 to 40 minutes in a 350°F oven. Then scoop out and purée the flesh. I freeze the purée in containers that have enough to make one pie. Then it's just as easy to thaw as it is to open a can and I'm set for Thanksgiving baking.
Now about the flavor. Tasted side-by-side, the difference between a spoonful of fresh pumpkin puree and one from a can is jaw-dropping. Fresh is soft and fluffy and tastes like a sunny fall afternoon. Canned tastes, well, canned, with a sad metallic twang.
Admittedly if you are going to add tons of cinnamon, ginger, nutmeg (be sure to grind it fresh, but that's another post) to a pumpkin dessert, it may not be worth the extra time to use the real thing. I did a taste test with a few friends of pumpkin bars I made with fresh vs. canned and about half the testers preferred the ones made with canned pumpkin. (Although they could all tell the difference and they all liked both kinds.)
I won't bother to give you recipes for pumpkin bars or pumpkin pie since they are everywhere on the internet and you probably have your own traditional ones, too.


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John Jacobsen is at it again — this time with "Double Dream Feet," the sequel to his viral dance video "Double Dream Hands."
Hey, if it worked for his hands, why not for his feet too?
Jacobsen posted his new video on YouTube earlier this month, saying "I think it's even catchier than the original." Check it out:
But is it just me, or does Jacobsen have a lot more zeal in his first video?
If nothing else, the Double Dream series speaks to how the Internet has made public some things that really should remain private. But if you're feeling it, there's more Double Dream splendor — including shirts — at Jacobsen's Web site.


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For Consumers
Dangerous Supplement Now Sold as 'WOW'
Get Consumer Updates by E-mail
Reumofan Plus is being relabeled by distributors and sold under the name "WOW." FDA is advising consumers not to buy any product with "Riger Naturals S.A." printed on the bottom. FDA has warned consumers twice about potentially harmful side effects from use of Reumofan Plus Products.
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The Food and Drug Administration (FDA) is warning the public that a product distributed and sold under the name 'WOW' is really just another product in disguise, one that can cause serious harm.
Earlier in 2012, FDA twice warned the public about taking Reumofan Plus—marketed as a "natural" dietary supplement for the treatment of many conditions, including arthritis and bone cancer—because, in reality, it contains undeclared active ingredients found in prescription drugs that should only be used under the supervision of a health care professional.
Brad Pace, regulatory counsel at FDA's Health Fraud and Consumer Outreach Branch, says some distributors have deliberately put a new label and a new name, WOW, on bottles of Reumofan Plus to deceptively sell remaining supplies. Pace says WOW has been distributed to online retailers and other distributors, as well as directly to consumers.
FDA is concerned that other distributors will also put different labels on Reumofan Plus and sell it under other names.
The agency offers this advice to consumers:
- Immediately consult a health care professional if you are now taking Reumofan Plus or WOW.
- Do not use any products with "Riger Naturals S.A." printed on the bottom of the bottle. Reumofan Plus is manufactured in Mexico by Riger Naturals.
- Report any health problems related to these products to FDA's MedWatch Safety Information and Adverse Event Reporting Program.
Serious Health Risks
Since June, FDA has received dozens of reports from consumers who used Reumofan Plus of serious, and sometimes fatal, outcomes. The reports include liver injury, severe bleeding, corticosteroid withdrawal syndrome, adrenal suppression and stroke.
FDA laboratory analysis confirmed that WOW contains the same undeclared prescription drug ingredients that are in Reumofan Plus:
- dexamethasone—a corticosteroid used to treat inflammatory conditions such as asthma and rheumatoid arthritis, that can increase the risk of infection, and cause increased blood sugar levels, changes in blood pressure, damage to bones, psychiatric problems. When taken for a prolonged period at high doses, it can cause adrenal suppression.
- diclofenac sodium—a non-steroidal anti-inflammatory drug (NSAID) that may cause increased risk of cardiovascular events, such as heart attack, as well as serious gastrointestinal problems.
- methocarbamol—a muscle relaxant that can cause sedation, dizziness and low blood pressure, and impair mental or physical abilities to perform tasks such as driving a motor vehicle or operating machinery.
In addition to causing injury on their own, the hidden drugs found in these products could interact with other medications, resulting in serious health consequences.
Medical Advice Needed
Because one of the hidden ingredients—dexamethasone—is a corticosteroid, people taking these supplements must work with their health care professional to safely stop taking the drug. A person who abruptly stops taking corticosteroids after long-term use or after taking high doses runs the risk of suffering from a withdrawal syndrome and life-threatening adrenal suppression.
The withdrawal syndrome may include nausea, low blood pressure, low blood sugar levels, fever, muscle and joint pain, dizziness and fainting. Adrenal suppression of cortisol production can be life-threatening because, among its many important roles in the body, cortisol is needed to maintain normal blood pressure and supply glucose to vital tissues, such as the brain and red blood cells, in response to stressors such as trauma, surgery, and infection.
FDA notes that there may be other harmful hidden ingredients in these products. Ingredients may vary from lot to lot, and products found to have hidden drug ingredients are generally not manufactured in a way that would ensure their quality and safety.
This article appears on FDA's Consumer Updates page, which features the latest on all FDA-regulated products.
December 21, 2012


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Gerszewski Named Augustana Sports Information Director
Tim Gerszewski, who has served as assistant athletic communications director at Southwest Minnesota State University since 2008, has been appointed Sports Information Director.
Ralph and Susie Wagoner Student Faculty Research Awards
Augustana juniors Trent Anderson (Lake Benton, MN) and Erika Jacobson (Lennox, SD) are recipients of The Ralph and Susie Wagoner Student-Faculty Research Awards for 2010-2011.
Modern Foreign Languages Majors Excel
As the academic year comes to an end, the Department of Modern Foreign Languages announces multiple academic achievement awards and inductions into student honor societies.
Augustana Team Competes in World Mathematics Contest
Three Augustana students participated in the 2010 Mathematical Contest in Modeling, competing against 2,254 teams representing institutions from 14 countries. The contest was primarily an online competition.
Alumna Receives Award for Teaching
Ann Hollander Hanson-Hobot, class of 1985, is the recipient of a 2010 Teacher Outstanding Performance (TOP) Award from the Anoka-Hennepin School District in Minnesota.
Augustana Commencement May 22 at Sioux Falls Arena
Three hundred and twenty-nine students will participate in the ceremony beginning at 2:00 p.m. Saturday, May 22, at the Sioux Falls Arena. In addition to the conferring of degrees, four faculty awards will be presented.
KDLT: Augustana Students Conduct Study on Sioux Empire Fair
Augustana students are behind a new report, coming out next week, surrounding the Sioux Empire Fair. KDLT spoke with students involved and their professor Dr. Marcia Entwistle about the study.
Dr. Ann Pederson Receives 2009-10 Faculty Recognition Award
Dr. Ann Pederson, Professor of Religion, received the Augustana Student Association Faculty Recognition Award for her outstanding teaching and contributions to the Augustana community.
Fairmont Junior Wins Augustana Covenant Award for Service
Brady Holm, an Art and Communication Studies major, is the recipient of the Augustana Covenant Award for Service. Each week Holm devotes 10 hours to Journey of Healing in the Arts at the Sanford Cancer Center.
Argus Leader: Dr. Julia Bennett Leaves a Legacy
Dr. Julia Bennett, associate professor of theatre, is an actor, director and 'dreamer.' Bennett is leaving Augustana after 21 years, but is also leaving a legacy as a wonderful talent and influential teacher.


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Bob Pozen's keynote address in Boston closing the Monday session of the Retirement Income Symposium was billed as "The Fund Industry: How Your Money Is Managed," the title of his newly published book. But by the time the chairman emeritus of MFS Investment Management wrapped up, he had galloped through the federal budget deficit, underfunded state pension plans, target-date funds as default 401(k) plan investments, challenges of income distribution in retirement, and the future of retirement itself. Some highlights of his speech, which raised the consciousness, and sometimes ire, of the 200 RIS attendees:
The Budget Deficit
Pozen, now a senior lecturer at Harvard Business School, senior research fellow at the Brookings Institute and former economic advisor to President George W. Bush and then-Governor of Massachusetts Mitt Romney, considers it vital to shrink a federal debt-to-GDP ratio that now exceeds 60%. However, he warned, big spending cuts should be phased in over time in order not to damage the frail economy.
That may not be a problem. We should aim for $5 trillion in reduced spending, he said, but "it's pathetic how little we've agreed to cut"—just $0.9 trillion so far. The deficit supercommittee is supposed to carve out another $1.2 trillion by Nov. 23, but with every special-interest group hollering, "Not me," Pozen said he doubts whether enough cuts will be found to meet that target.
Underfunded Pension Plans
The distorted accounting used to determine pension plan funded rates is coming to light as states grapple with budget shortfalls, Pozen said. Plans can assume future rates of return without regard to realistic benchmarks. The higher the assumed rate, the less funding is needed. When Pozen reported that the average annual rate of return assumed by state pension plans is 8.5%, an incredulous laugh went up from the audience of financial advisors.
A potential rule requiring pension administrators to use a more realistic rate would, of course, put even more pressure on state budgets. "I'm not asking for full funding right away," he insisted, "just honesty at the state level." He suggested that putting new workers into a defined contribution plan would find favor with taxpayers who realize their state's defined benefit plan is unaffordable.
Asked if states should be required to balance their budget every year, Pozen said there may be times when a state would need to overspend. When he mentioned that nearly every state requires a balanced budget except Vermont, one attendee shouted out "What do you expect from a socialist state!" Pozen recommended a less rigid requirement, such as no more than a 2% to 3% loss over 10 to 20 years.
Target-Date Funds as Default Investment Options
Pozen is agin 'em. He said, "Target-date funds purport to say, 'Okay, you were born in 1950'" and group you with other investors of the same age in a one-size-fits-all asset allocation. However, it's highly unlikely, he argued, that everyone of the same age would retire at 65 or have the same plans for what to do with their money once they are retired.
Another concern with target-date funds is that plan participants don't know what they're getting, he said. In 2008, 50% to 60% of funds maturing in 2010 were at least 35% invested in equities, exposing investors on the brink of retirement to the market downfall of 2008-2009.=
The larger issue, as Pozen sees it, is that target-date funds encourage plan participants to put retirement investing on autopilot. "You have to think about retirement at least once in your life," he argued. "When will you retire? What's the time horizon for your investments? What will you have for assets?" He would prefer to see a balanced fund with 50/50 stocks and bonds as the default DC plan investment. Expenses would be lower, transparency would be improved and investors would be kept alert by the need to adjust portfolio allocations as they approach retirement.
The Distribution Phase of Retirement Investing
Life expectancy has been rising about 2½ years every 10 years since 1900, Pozen said. Why don't important actuarial projections assume that this trend will continue? He suggested that Social Security's estimated life expectancies of 79 years for men and 83 years for women may be too low in both cases by six or seven years.
He went on to note four ways that retirees can convert savings into an income stream: systematic withdrawals, a managed distribution fund, partial annuitization at age 65 or annuitization at age 80. With longevity risk on the rise, why do fewer than 10% of pension recipients choose lifetime annuity income? He speculated that people want more flexibility to leave their money to their kids or keep it for a healthcare emergency.
Solutions for the Future of Retirement
Traditionally, retirement meant withdrawing from work. Cushioned by a pension and Social Security, previous generations had more flexibility to retire when they wished. Now people expect to live longer, most DB plans have gone away and DC balances have deflated. The upshot, he said, is that 49% of baby boomers expect to work past age 65 and 72% anticipate continuing to work after they reach retirement age.
Given this situation, Pozen advised companies and lawmakers to make some changes:
- Create more flextime and part-time jobs
- Allow partial retirement plan withdrawals for participants working part-time
- Provide health care benefits to age 65
- Move the normal retirement age back
- Offer financial incentives for Social Security recipients to work longer
- Address disability issues for those performing physical labor


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Shower gel
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Cotton pads
Micellar water
Sunscreen pray
Shampoo/ conditioner/ lotion
Chia seeds
Body wash
Shower gel
Mouth wash
Cotton pads
Micellar water
Sunscreen pray
Shampoo/ conditioner/ lotion
Chia seeds
Body wash
Shower gel
Mouth wash
Product Description:
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Katselas Theatre Company Presents THEATRE SEX: BEFORE & AFTER, 11/30 & 12/2
Katselas Theatre Company presents THEATRE SEX: BEFORE & AFTER, theatrical readings in honor of World AIDS Day 2012. BEFORE AIDS: November 30th at 8pm and AFTER AIDS: December 2nd at 8pm at the Skylight Theatre Complex – 1816 N. Vermont, LA.
Tickets are $15, $20, $25 donation with "a portion of the proceeds going to AIDS Healthcare Foundation." Produced, in part, through a grant received from Broadway Cres/Equity Fights AIDS. Call 702 KTC-TKTS (702-582-8587) or online at www.katselastheatre.com.
BEFORE (not necessarily in this order)
Sonnet Eighteen - William Shakespeare
Michael Kearns
Suddenly Last Summer - Tennessee Williams
Sharon Barr, Burke Byrnes & Gia Chiumento
Boys In The Band - Mart Crowley
Kevin Brian & David Dean Bottrell
The Killing of Sister George - Frank Marcus
Sandy Martin & Gia Chiumento
A Chorus Line - James Kirkwood & Nicholas Dante
Brian Jordan Alvarez
Torch Song Trilogy - Harvey Fierstein
John W McLaughlin
Bent - Martin Sherman
Patrick & John DeMita
AFTER (Sunday December 2 @ 5:00 PM)
Dream Man - James Carroll Pickett
Michael Kearns
The Normal Heart - Larry Kramer
Ryland Shelton & Brian Normoyle
Connie Norman - Connie Norman
Sandy Martin
Ballad - Tyler Hanson
Ann Walker & Lianna Taylor
Robert's Memorial - Michael Kearns
Gordon Thomson
Angels in America Tony Kushner
Tony Abatemarco & Larry Bates
In Heat In Hollywood David Trudell
David Trudell
The Readers:November 30: Brian Jordan Alvarez, Sharon Barr, David Dean Bottrell, Patrick Breen, Kevin Brian, Burke Byrnes, Gia Chiumento, John DeMita, Michael Kearns, Sandy Martin, John W. McLaughlin
December 2: Tony Abatemarco, Calpernia Addams, Larry Bates, Michael Kearns, Sandy Martin, Brian Normoyle, Ryland Shelton, Lianna Taylor, Gordon Thomson, David Trudell, Ann Walker
The Playwrights: Mart Crowley, Nicholas Dante, Harvey Fierstein, Michael Kearns, James Kirkwood, Larry Kramer, Tony Kushner, Connie Norman, James Carroll Pickett, William Shakespeare, Martin Sherman, David Trudell, Tennessee Williams
THEATRE SEX: BEFORE & AFTER runs at (BEFORE AIDS) November 30th at 8pm and (AFTER AIDS) December 2nd at 8pm at the Skylight Theatre Complex – 1816 N. Vermont, LA 90027. Tickets are $$15, $20, $25 donation with "a portion of the proceeds going to AIDS Healthcare Foundation." Reservations: 702 KTC-TKTS (702-582-8587) or online at http://www.katselastheatre.com.
THE KATSELAS THEATRE COMPANY is widely respected for its history of developing artists (actors, musicians, writers, designers, and directors) while helping to create the next generation of theatre goers - thus its passion for new original plays that speak to today's audiences. In just the last two years, KTC has produced ten World Premiere productions including INFLUENCE (2010 Los Angeles Drama Critic's Circle nomination for Best Actor and two LA Weekly nominations for Best Play and Best Production), HERMETICALLY SEALED (2011 Los Angeles Drama Critic's Circle nomination for Best Actress, an LA Weekly nomination for Best Ensemble and the LA Times List of top ten productions for 2011) and MAD WOMAN (2011Los Angeles Drama Critic's Circle nomination and an LA Weekly nomination for Best Solo Performance). KTC believes in the importance of the artist in our community. Its programs, (INKubator, SoloMojo, KTC Playwrights Lab, KTCKids, KTC Underground and NewVoices), its educational workshops - even its main stage productions are designed to help the artist find their unique voice and achieve their vision....and audiences love it! All by itself, in just two small theatres, KTC's monthly INKubator series (launched Jan 2011) has premiered new works-in-progress by more than forty Los Angeles writers ages 17 to 80 for over 1200 audience members. Adding audience "chats" and quarterly follow-ups with the artists to monitor their progress; the entire venture has been an unqualified success.
Gary Grossman (Producer/Artistic Director) started his career in New York at The Public Theatre, Café La Mama, and Sheraton Square Playhouse. He has produced over 300 stage plays, including more than 50 world premieres. Among his celebrated productions are Romeo and Juliet directed by Milton Katselas (3 LADCC Awards), Dylan (3 LADCC Awards), Dream Man, Lone Star, Balm In Gilead, Four, The Tenth Man, Visions and Lovers, Rabbit Hole, La Ronde De Lunch, Influence, and Mad Women. In addition to his work for KTC, Gary has produced for the prestigious Matrix Theatre Company, where he was associated with the celebrated productions The Homecoming, Endgame, and The Seagull. For television he co-produced Sadie and Son (CBS) and the sitcom pilot Man In The Kitchen (ABC). He is the Executive Producer for award-winning director Chuck Workman's documentary, The Actor's Life.
Michael Kearns (Producer) is an artist-activist. His role as such has endured for nearly three decades; one of his first AIDS-related works, AIDS/US, was produced in collaboration with Gary Grossman and presented at the Skylight Theatre twenty-seven years ago. As one of the Co-Artistic Directors (along with Tony Abatemarco and Grossman), this is the third World AIDS Day entries Kearns has produced at the Skylab.


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Madam Krook (Feat. Queen Of Trill) - My Ghetto Prayer [Female Unsigned Hype]
Presented by Krooked Klique Ent
Directed by Kenny Luk
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Get your Army.ca Swag here!
0 Members and 1 Guest are viewing this topic.
Has anyone who volunteered heard anything yet?
What is the likelyhood that this becomes the Canadian Parachute Regiment under a Conservative government?
I know I shouldn't say this but what the heck I'm in the holiday mood. I like the current name as it better describes the new unit's role as a special forces outfit as compared to a conventional airborne infantry unit but it would make me really happy if we got both a Special Operations Regiment AND a Parachute Regiment. What do you think, good Christmas present or what?
most assume the two are one in the same.....do you have a defintion for both?
Wikipedia sometimes has some hiccups. I think most in the fold will agree that SOF and SF are not the same thing. SOF is considered to be a more specialized force both in terms of capabilities and in employment. Special forces, while quite capable in their own right, are generally a larger force supporting SOF or conducting operations on their own in support of more generic combat forces.Ex of SOF: Element of 22SAS, JTF2, SFOD(D), DEVGRP, TAG1(I think 1 is, AUS SOF)Ex of SF: Para, Rangers, Green Berets, Marine Recon, Spetznaz, TAG2(AUS SF, I think I got the 1-2 thing right)I've probably got the Aussie TAG's mixed up or something, but I think that's the general idea (of course, corrections to all above are invited)As well, I've only seen SOC to refer to a unit's capabilities, as in a spec ops-capable unit. An example would be a spec ops-capable Marine Expeditionary Unit, or MEUSOC.Cheers,Duey
Duey,I think you are trying to get into the special operations tiering. Meanings behind "special forces" and "special operations capable" etc vary between nations. However, as we have run into in other threads, everybody seems to define each tier a little different and nobody has been able to point out a STANAG or CF standard.Here are two previous times that we've looked at this:Tier discusion in the JTF thread Tier discusion in the Airborne Regt vs SOC Bde thread
So we do Tier I, II but not III (by US def'ns), right?
Tier one includes hostage rescue, so yes, we do.
ok i know i saw it on here but i couldnt find it again, but !what was the post about a possible airforce special operations ? something like the 160th SOAR maybe?thanks
Special Ops aviation has been around in Canada since the early 90's in support of RCMP (450 Sqn in Ottawa), and still to this day (a certain small group at 427 Sqn), so its nothing new.DueyT, you might know me from the 'other site' as 427FO....co-worker of Switchmonkey.For the guy who mentioned SOG - SOG is CANSOFCOM - the reason for the change was, and I'm being totally serious, the french translation for SOG - which is GOS - which is french for testicles.This came straight from CO of CANSOFCOM during a brief on Wednesday.


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Google has announced the release of an experimental Chromium build that includes an integrated Dart language runtime. The browser, which Google calls Dartium, is being made available as a technical preview for the benefit of developers who want to see how the Dart virtual machine works in a browser.
Dart is a new programming language that Google is developing for client-side Web scripting. The language has a more conventional object model than JavaScript and optional support for static typing, features that Google claims will allow it to be faster, safer, and more conducive to tooling than JavaScript. Much like Microsoft's VBScript, Dart is a nonstandard client language that is developed and supported by a single vendor outside of the Web standards process.Google has moved decisively into the hardware side of the battle with its Google Chromebook computers. If I were to make a guess as to the direction the battle is taking, I would point out that both Apple and Google are developing products that directly compete with Microsoft and Microsoft does not seem to be responding in any way that will out flank either of its competitors.
It looks more and more like the operating system of the future is a browser and the browser of the future is an operating system. You have to remember that Apple is either the first, second or third company with the largest market capitalization, periodically trading places with Exxon Mobile and PetroChina. Apple didn't even get into the top ten until the fourth quarter of 2009 but passed Microsoft in the process of moving to number one. Microsoft is also in the top ten of companies with the largest market capitalization.
None of the three necessarily rank as the largest companies in the world, but large does not always mean profitable.
WHO WILL WIN? Cell phone or computer?
There is a fundamental shift in computer technology. I believe there is a convergence between what we now call a "desktop" computer and the cellphone or tablet computers. The cellphone (computer) will become more and more powerful until, in a relatively short time frame, you will simply walk up to a keyboard and monitor and your cellphone computer will connect and you will use it like you now use a desktop. This will likely occur at the same time most software applications move to the Internet or the Cloud or whatever you want to call it.
For example, people ask me repeatedly which genealogy software program I use. The answer is I use several, but what will become my primary repository for genealogical data remains to be seen. Right now, the best candidate is WeRelate.org, the online wiki from the Allen County Public Library. If and when FamilySearch's new product, Family Tree, goes online, it may become a candidate if it will accept images. This trend of using online programs will only continue to become more pervasive. I believe that software programs as we know them today, in a box at a store or ordered online, will disappear. All software will become distributive, that is, available as an online program.
So which of the companies will win? Apple is in the best position to take advantage of the movement of computers to cellphones and software to the Internet. They already sell iPhones and have agreements with cellphone providers and they already have an online store, the App Store. Google is in second place with the Android operating system and the Android Market. They also sell a network computer as i pointed out above. Microsoft? They seem to be left out in the cold dreary world of business and government. I do not yet see a future for Microsoft in the consumer world.
Should you move to a mobile device right now? The developments I am talking about will take a couple of years so you can stay with your desktop for a while. But you will see more and more online applications taking over the function of standalone software programs. In genealogy look at MyHeritage.com and Ancestry.com for examples. If the other software companies don't move rather quickly over to an online integration, they will be left dead in the water.


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Joanna Richards, NCPR
North Country Public Radio/North Country Reporter for the Innovation Trail
Joanna Richards came to the Innovation Trail from Louisville, Kentucky, where she worked as an assistant editor for the NPR series This I Believe and as a staff writer for local arts and entertainment weekly Velocity. Joanna moved to Watertown in 2008 to work as a reporter for the Watertown Daily Times. She began working for WRVO and North Country Public Radio in 2011, covering the city of Watertown, Jefferson County and Fort Drum for both stations. Joanna graduated from Oberlin College in 2005, where she earned her bachelor's degree in English.


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Today, we are rooting for our SECOND favorite team...
...just for you, Grandpa Danny and Amy!
{Thank you for the adorable outfit and t-shirts!}
i *love* how your kids smile so sweetly for their picture! they are beautiful!
Hi just stopping by. I found your blog thru Beyond our Wildest Dreams. What an adorable family you have! SO CUTE!!!
We rooted for the Jets that day too...:)


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The best way to decide how much fertilizer to apply to strawberries grown on black plastic is to collect leaf and petiole samples and have them tested for nutrient content.
"Tissue sampling gives a 'real time' image of the nutrient status of the plant," says Jeremy Pattison, Virginia Tech University Extension small fruits specialist. "It allows us to see potential deficiencies before the plants get distressed from them."
The service is provided free by the state in North Carolina but not in Virginia, says Pattison. "I wish we had that service in Virginia. Our farmers can send samples to North Carolina, but it costs $20 per sample. That can get pretty expensive."
There are several commercial services operating in Virginia that will send samples off for analysis for strawberry growers. "We like to see a grower taking maybe two samples at the beginning of the season, another when fruiting starts and one more in mid-fruiting for the second half of the season," says Pattison.
In North Carolina, the Agronomic Division of the North Carolina Department of Agriculture and Consumer Services recommends collecting tissue samples at first bloom and continuing to do so every two weeks throughout flowering and fruiting.
The NCDA&CS laboratory measures actual concentrations of essential plant nutrients. Nutrients such as potassium, calcium, magnesium and boron affect fruit firmness, taste and appearance.
When levels of these nutrients are outside the ranges for optimal production, decreases in quality will eventually occur. Tissue analysis can identify nutrient shortages before symptoms appear, giving you time to adjust fertilization as needed.
John Strang and Joe Masabni, University of Kentucky Extension fruit specialists, say that knowing the nutritional status of your planting is a critical requirement for producing an excellent fruit crop.
"The only way the nutritional status can be assessed is through foliar analysis," they say. "Soil tests provide only a portion of the picture and tell only what is in the soil. Tissue analysis shows which nutrients the plant is actually absorbing."
This facilitates fine-tuning of the fertilization program. "It lets the grower know when an element is becoming deficient before symptoms show up and allows for correction of the problem before fruit quality and yield suffer," says Strang.
Unlike Southeastern growers, most Kentucky growers plant on matted rows rather than on plastic. "One tissue analysis a year is plenty for matted row production," says Strang.
By comparison, weather and pests may be somewhat unpredictable, and remedial options are not always available for the damage they cause, says North Carolina Department of Agriculture Regional Agronomist Rick Morris. "But there is no reason for yield to be compromised by a nutritional problem."
At least half of Virginia's commercial farmers are tissue sampling now, says Pattison. "We certainly recommend it. I can help a farmer a lot better if he is tissue sampling. The value of tissue sampling on a strawberry farm is consistently high from year to year."
Here's how to collect a tissue sample from strawberry plants and submit it for analysis, according to the North Carolina Department of Agriculture:
Select the most recently mature, trifoliate leaves. These leaves will be full-sized and green and consist of one petiole or leaf stalk with three leaflets and are usually located three to five leaves back from the growing point.
Avoid collecting damaged tissue.
Detach the petioles from the leaves as you collect them, but submit them together as one sample.
Include leaves and petioles from 20 to 25 locations within a uniform area in each sample. The sample should be representative; that is, all of the plant material in a single sample should be from the same variety, growing on the same soil type, planted at the same time and having the same management history.
When submitting tissue samples, be sure to fill out the information sheet completely, including fertilization history and environmental conditions. It is particularly important to provide the name of the strawberry variety being grown as well as its stage of growth at the time of sampling. Stage of growth refers to week of bloom and can be coded B1 through B12 (first through 12th week of bloom). Accurate management recommendations depend on this information.
Proper interpretation of the tissue analysis requires that a soil sample be taken at the same time or there should be a recent analysis from the block where the tissue sample was taken, says Strang. The laboratory will send the results of the tissue analysis directly to the grower with recommendations.
"It is not necessary to sample a block every season, because nutrient levels do not change that rapidly. It is generally recommended that a block be sampled once every three years."
Dust or pesticides on the leaves will affect the analysis, particularly for zinc, manganese and iron, says Strang.
"Select clean leaves, or the leaves may be washed," he says. "Dirty leaves should be washed very quickly in water with a small amount of liquid dishwashing soap and then rapidly rinsed through three containers of water. Leaves should then be air dried on a paper towel and sent to the tissue analysis lab."
In North Carolina, strawberry tissue analysis costs $7 per sample and requires both leaves and petioles. Analysis of leaf blades reveals nutrient deficiencies or excesses, while analysis of petioles gives a good indication of the amount of nitrate nitrogen currently available for crop growth and development.
When test results show nutrient levels to be out of the optimal ranges, the plant analysis report provides recommendations for corrective action.
A guide to collecting and submitting strawberry tissue samples in North Carolina is available online at http://www.ncagr.com/agronomi/pictorial.htm. NCDA & CS regional agronomists are also available throughout the state to offer guidance and answer questions about sampling and fertilization.


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ShaqIsDope ft. Nyemiah Supreme - 2up (Toronto Artist) [Unsigned Hype]
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For the record regarding head-holes:
Back between 1975 to 1991, they had solid stud head holes. Then, LEGO became concerned that minifig heads might be a choking hazard. So they added small holes to the heads so that if a minifig head got lodged in a child's throat, they could still breathe (if it weren't lodged sideways). So from 1992-2010, minifig heads all had little holes inside the head.
However, LEGO recently decided that it's getting a lot of competition, and has been on a branding kick. That means they're re-evaluating all their elements that DON'T have the LEGO logo on them and attempting to stick it in there. In particular, they wanted to put the LEGO logo on the minifig head. So they re-evaluated the choking hazard on a minifig head, and determined that it wasn't as big of a hazard as they previously thought, and that it would be OK if they did away with the holes, and put the LEGO logo at the bottom of the recessed stud.
Hence, starting in 2011 (not everything, but some things), you'll see some minifig heads that have a hollow stud without holes at the bottom.


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Fall line-up: Paramount has Helm, Cole, Tritt & Stuart
A Rock 'n Roll Hall of Fame drummer, a Grammy-winning R&B songstress, and a pair of country music icons are among the luminaries who will grace the Paramount Theater stage in the coming months. The venerable venue announced its fall schedule today, and headliners include the Levon Helm Band (September 14), Natalie Cole (October 12), and Travis Tritt & Marty Stuart (November 14). Tickets for the fall season go on sale July 22 for Paramount members ($75 paid at the time of purchase makes you a member), and July 29 to the general public.
As the drummer for the Band, Levon Helm used his Arkansas upbringing to help make his four Canadian bandmates into founding members of the neo-Americana movement of the late '60s. After touring with Bob Dylan when he went "electric," the Band struck out on its own and released Music From Big Pink in 1968, an album that, while modest in its initial sales, turned the psychedelia-dominated rock world on its ear with its country, blues, and folk-tinged sound.
So influential was the Band's out-of-leftfield brand of American roots music– a sound defined in part by Helm's backbeat, mandolin picking, and twangy tenor– that Eric Clapton says it inspired him to ditch the tripped-out jams of Cream for bluesier solo material, and prompted George Harrison to pursue a more down-home style on his first post-Beatle album, All Things Must Pass.
Nine years and several hits ("The Night They Drove Old Dixie Down," "Up on Cripple Creek," "Stage Fright") later, the Band disbanded, but not before admirers like Clapton, Neil Young, Joni Mitchell, Van Morrison, Neil Diamond and, of course, Dylan came together to join the Band for the mother of all send-off concerts on Thanksgiving Day 1976, a gig captured in Martin Scorsese's documentary film The Last Waltz. Since then, Helm has recorded solo and with members of the Band, embarked on an acting career (The Right Stuff, Coal Miner's Daughter), and battled and defeated throat cancer. In February, his comeback album, Dirt Farmer, won a Grammy for Best Folk Recording.
Despite winning the hearts of many an R&B fan and three Grammys, Natalie Cole spent the first decade-and-a-half of her career laboring in the shadow of her father, legendary crooner Nat King Cole. That all changed in 1991 when Cole embraced her father's legacy through the magic of the recording studio, and cut a "duet" with her prominent pop on a re-recorded version of his hit "Unforgettable."
The new father-daughter version of the song propelled the album Unforgettable... With Love to 8 million copies sold, and earned Cole three Grammys, including Record of the Year and Album of the Year. In the intervening years, Cole has racked up two more golden gramophones (including one for another Nat-Natalie duet, 1996's "When I Fall in Love") and has rekindled interest in her back catalogue by licensing her 1976 #1 R&B hit "This Will Be (An Everlasting Love)" for use in ubiquitous TV commercials for online dating site eHarmony.com.
Between the two of them, Travis Tritt and Marty Stuart have racked up 25 albums' and over 50 years' worth of experience in the country music game. Since his debut album, Country Club, sold over 2 million copies in 1990, Tritt pulled off the rare feat of putting out five platinum albums in the span of six years, containing such hit singles as "I'm Gonna Be Somebody," "Anymore," "Can I Trust You With My Heart?," and "Foolish Pride."
Stuart married country music royalty when the up-and-coming songwriter and session musician wed Johnny Cash's daughter Cindy in 1983. Two years later, Stuart had his first top 20 single, "Arlene," kick-starting a solo career that has spanned three decades. Despite the end of his union with the daughter of the "Man in Black" in 1988, Stuart remained close with Cash throughout the remainder of his life, and now he wears all black at each performance in tribute to his ex-father in law. Tritt and Stuart first teamed up in 1991 for the smash duet "The Whiskey Ain't Workin'" and again in 1992 on "This One's Gonna Hurt."
Tickets for the fall season will be available through the Paramount's website, by calling 979-1333, or at the theater box office. Other highlights from the latest slate of shows include TV and folk music legends the Smothers Brothers (September 25), English folk singer Billy Bragg (October 29), New Orleans R&B veteran Allen Toussaint (November 15), and bluegrass mainstay Ricky Skaggs sharing the stage with Virginia's very own piano-playing hitmaker, Bruce Hornsby (September 8).


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A Test Match that resulted in a draw also resulted in much discussion in newspaper columns, clubs, pubs and online media. I wrote my views on the match here. There have been a few articles subsequent to that including an excellent post by @sidvee, one by Minal, one by Sunny Mishra, a detailed analysis by "A Cricketing View" and a more recent one by Subhash Jayaraman. There have been many other blog posts by fans like me. The above list — which is by no means comprehensive — is a mere sample of the many blogs that have carried an article or two on the draw.
In my first response to the Dominica draw, I included a link to a wonderful article by Dileep Premachandran, in which he says:
"…The South African who went home after April's World Cup win was adored by the players because of his eagerness to shield them from over-the-top criticism. He handed over the reins to a man many see as his coaching mentor, and the message emanating from the camp is clear. There will be no rocking the boat, no matter what the keyboard warriors think."
I was fascinated by the use of the phrase "keyboard warrior". The implication here is that "over-the-top criticism" necessarily emanates from "Keyboard Warriors". Apart from "keyboard warriors" being a fascinating turn of phrase, its use got me thinking about the very essence, method, practice and sensiblities of critiquing criticism!
But first things first: What distinguishes the views of the "Keyboard Warriors" from the rest of view-peddler merchants?
Of Views, Warriors and Saints:
In my view, players are the only tribe that are not "keyboard warriors"! Everyone else has a view and they qualify as a prospective "keyboard warrior". The only people who are exempt from the warrior tribe are non-players who merely "call" the game without a single opinion being stated or a single view being expressed.
My view is that there are very few view-less and opinion-free warriors these days. Everyone has a view. Hence, everyone qualifies as a keyboard warrior unless we wish to define a tribe called "Keyboard Saints", who offer criticism and views that are distinct and differentiated from the "Keyboard Warrior" clan. Perhaps the use of the qualifier "over-the-top" in Dileep Premachadran's implied definition is precisely that differentiation that we seek between the "Warriors" and the "Saints".
However, who decides if it is over-the-top? And what is then, under-the-top or even just-on-top? Such qualifiers merely secure one result: it just encourages a mad rush to seize a higher moral ground.
There is no higher moral ground when it comes to the "warrior" tribe. In today's world, all of us have views. All of us hang it out — in print media or electronic media or blogs, like this one. We are all "keyboard warriors". There are, in my view, no "keyboard saints".
In recent days, there are a few blogs/individuals that have rushed to claim that higher moral ground. An outing of such blogs would serve no purpose other than seeking a futile, needless and immaterial date with vituperative and obnoxious polemical responses!
A sports fan on a blog (or a writer in print media) expresses views. Indeed all fans (writers) express their views. None of the sports fans (or writers) played in the game that is being commented on. Yet, some of the recently crowned "Saints" have gone on to then say "How dare you question the intelligence of Dhoni? You are not out there in the middle, are you? The guy in the middle makes the decisions. Have you even played the game? How dare you ask the captain to be accountable for tactical decisions that he makes? Does their past record not count for anything at all? Have you forgotten the World Cup win already?".
This is akin to telling a music fan with a view (or even a music critic): "What do you know about singing concerts? Have you even performed in a 'chamber concert', leave alone a free-concert, not to mention a top-level concert in front of an audience of 3000 discerning music fans and critics?"
Yet, we all admit views. We have views. We express them. A rush to claim a higher moral ground is a puerile exercise in futility. And this is because every view carries an irrefutable subjective element in it.
Yet, we have a distinction that has been drawn between "Warriors" and "Saints". Maybe the key differentiator is "over the top", which then needs to be defined, at the very least. Perhaps this is what Subhash Jayaraman calls "outrage bandwagon".
Let us set this aside for a moment…
Intelligence and ability brought into question:
In the aftermath of Dominica, a view that has been expressed by the "Saints" is that the "Warriors" have brought into sharp question the ability and/or the collective intelligence of the Team India playing group and, particularly so, the Team India captain.
I can consider several examples from the past, where the current members of the "Keyboard Saints" club have criticized a player or a set of players. And I am not going to provide a blow-by-blow outing of these instances. As I said before, such an exercise will be needlessly polemic and would not serve any real purpose either in providing a deeper understanding or in furthering the current debate.
But let us take one example.
Dileep Premchandran, the originator of the excellently graphic "Keyboard Warrior" collective noun (I believe), has expressed his views too: on many topics, games and players. Let us take one specific example merely for purposes of illustration: In this article, the author sketches (in a very compelling manner) the reasons for India's poor showing in the October 2009 Champions Trophy. In his opinion, Ishant Sharma and RP Singh bowled "hit-me dross, both with new ball and old".
Now, that is an opinion. His opinion. It is likely that it is a valid/correct opinion.
However, was he at the ground, playing the match? Has he ever played? Can he even bowl a decent ball, leave alone a non-dross ball? Is he not bringing into question the widely applauded capabilities of Ishant Sharma and RP Singh? After all, the same bowlers delivered impressive wins just prior to delivering "hit-me dross" on that day/match. Had he forgotten that Perth spell when he wrote what he did?
Is he, therefore, a "keyboard warrior" who questioned, through his words, the inclusion of RP Singh and Ishant Sharma? More importantly, was it "over the top"? And if it was, who judges it? You? Me? Dileep himself?
I can pick similar examples of views and opinions expressed by members of the current members of the "Keyboard Saints" club. But as I said earlier, that would be wholly unnecessary. I have made the point I wish to make on the basis of the above example. Moreover, this is not intended as an "Us vs Them" debate.
Disclaimer: I admire Dileep Premachandran as a person. I respect him and what he stands for. I am a great fan of his writing and continually learn from him. The above was not intended to hurt Dileep Premachandran or his "brand". It was merely used as an example to highlight a point. If I have hurt anyone — especially Dileep Premachandran — by providing the above illustrative example, this would hurt me more than it hurts them/him.
I cannot speak for all the "Warriors". However, when I made the points I made about the draw in Dominica, my intention was not to call into question the collective intelligence of the playing group. I have no way of assessing this. And if I did say I could somehow measure the collective intelligence of the playing group, I would only be gratuitously dishonest (to myself).
Irreverence argument:
The "Keyboard Saints" have mounted the argument that the "Keyboard Warriors" have been irreverent to the playing group in questioning the draw-offer decision. After all, goes that "irreverence" line of argument, have you been blind to (a) the impressive set of results that have been delivered lately by these fine players, (b) the fact that we had a second-string team in West Indies, (c) the fact that rain robbed the team of a result in the 2nd Test.
I cannot speak for other "Keyboard Warriors", however, when I made the points I made about the draw in Dominica, I did not ignore either (a), (b), or (c) above. They were just completely irrelevant. I'll tell you why in a minute.
This team has made impressive strides. Of that I have no doubt. I, like other "Keyboard Warriors", have painstakingly chronicled each and every stellar achievement of this impressive team. The team has a marvelous captain who is as mercurial as he is effective. I have written about his magnificent achievements in a long article that I recently wrote. I reproduce two lines from this article:
The World-Cup victory did not actually mean much to me! At the risk of being stoned to death by unforgiving Team India fans, let me state again that it would not have mattered to me if India had lost in the quarters or the semis or indeed, the finals [of the World Cup]. For me, it was a small — albeit important — step in a much more important journey. The road ahead for this team is hard and there are significant challenges as Dhoni takes this team from good to great. I am much more interested in seeing how this wonderful leader is going to take Indian cricket along that important journey.
I think back to that 8-1 field that started the journey of fascination that I undertook with [Dhoni]. I also look at everything he has achieved in the 2 and a half years since that day. I then say to myself, "With Dhoni around as a Level-5 leader, there is much hope for this Team India fan."
I, like other fellow "Keyboard Warriors", have also fought valiantly for the inclusion of young players and how we need to give them substantial rope. I have argued against employing use-and-discard, revolving-door-policies when it comes to players like Abhinav Mukund, Virat Kohli, M. Vijay, et al.
If I ignored all of the above views on Dhoni and the young players in Team India, when I made my comments on the draw-decision, I will have done nothing more than swing wildly from being "a mostly blind, but often one-eyed supporter of Team India" to a "rabid hater of the team", all in the space of a nano-second! However, I grant that, to the "Current Saints" it may appear that I may have swung on an uncontrollable pendulum.
My point is that the irreverence argument is actually irrelevant!
There has to be a distinction made between criticism and insult, even if one is labelled by a "Current Saint" as a "Keyboard Warrior". Criticism is allowed and does not make one a warrior. A personal insult should not be allowed.
However, In assessing whether a particular descriptor/adjective/description is an insult or not, we need to respond on whether "bowled hit-me dross" is an accurate descriptor or an insult!
The instant in time:
But ultimately, to me, it boils down to this…
At that specific point, when MS Dhoni, the playing group, the coach and others in the team made the decision to offer a draw, the following factors are irrelevant to me and to the draw decision: that India had played with a second-string team, that India will have won the series with a B-team, that India had won the World Cup, that India had beaten Australia in 2008, that India rose to become the number-1 team in Tests, that Dhoni may have worn a blue vest that day, that Harbhajan did not eat an apple that day… at that specific instant in time all of these were, to me, totally irrelevant.
India offered a draw because to Team India, on the balance of probability, they either (a) did not see any point in continuing because a win was just completely out of question, (b) they thought that by continuing they only risked losing.
That is a judgement call that the decision-group made. To which I am merely asking: "What is the worst that would have happened, had they continued and pressed for a win?"
I am merely talking about that specific instant in time when the draw decision was offered. At that instant in time, nothing else mattered other than intent. They made the call. The "Warriors" questioned that intent. Not the testicular fortitude, not the abilities, not the capabilities, not the impressive results, not the results achieved with a B-team, not the rain, not the honesty of the individuals involved, not the intelligence nor the eating habits or the clothes that the team was wearing (or not). Nothing else mattered.
What mattered to me was intent and nothing else.
What was brought into sharp focus at that specific instant in time — everything else being a constant — was just the question of intent, and nothing else but intent… Do the "Warriors" have a right to focus on this "intent"? By focusing on this intent, pray where is the focus on capability, ability or intelligence? Pray where is the focus on B-Team, or World Cup win or #1 in Tests?
The "Warriors" saw a perceived lack of intent at that particular instance in time, and questioned it using terms such as "Wimps" or "Gutless" or "Tail between legs" or "Rabbits in Headlights". Remember only that instant mattered. Would "hit-me dross" be a better term to describe this lack of intent at that specific point in time?
My point is that there are no Saints or Warriors; just mad rushes to claim a higher moral ground from time to time. That said, I do accept the proposition that all of this focus has to be carried out without the presence of the "outrage bandwagon".
And this is really the most important learning for me from Dominica…
— Mohan


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The insurance industry looks to be a target. This would not be a surprise if you read my recent blog, Bribery and the Board in the Insurance Broker Business, here. With only days left in 2011, I won't go so far as to use the (2011 word of the year, at least as per my list) contagion, but I have a feeling I will be using the term "systemic" industry risk a lot in 2012.
This time it is Costa Rica. The funds were intended as education and training for INS officials (see how difficult it is to avoid doing business with public officials in the international space), but some of it went to travel to "tourist destinations" or other purposes not provided within the brokers "books and records." In this case, and unlike the previous Willis UK Bribery Act case, the NPA (non-prosecution agreement) made note of invoice and other records that made it obvious "that the expenses were clearly not related to a legitimate business purpose."
The NPA included "failure to devise and maintain an adequate system of internal accounting controls with respect to foreign sales activities sufficient to ensure compliance with the FCPA."
The price tag you ask?………….$25 million ($1.76 million penalty, with was a substantial reduction thanks to "extraordinary cooperation", "timely and complete disclosure of improper payments", and the 5.25 million pound payment to the UK's FSA (Financial Services Authority); plus $14.5 million in disgorgement and prejudgment interest in a related SEC settlement) not to mention their legal, investigation and communication cost.
The ultimate cost will be difficult to determine, but is potentially much greater than the above, due to potential reputational damage, the new costs to "adhere to rigorous compliance", and the costs of possible follow-on civil liability claims.
Who you ask…………….? Sorry,………………………………………………….. AON. Here, here, here.
The bigger question……….did they buy investigation coverage under the Marsh exclusive program, or negotiate it themselves with Chartis (to save the commission)? And, will they jump on the band wagon to market this case as the perfect "loss example" to their clients?
At the risk of defending a competitor, it is very likely that the SFO, SEC, DOJ, etc, have a great scapegoat in the insurance brokerage industry: 1) we are the best direct link to business of every size and in every sector, 2) going after international accounting/auditing/consulting firms is difficult because they have a longer history of successfully defending themselves from liability; 3) many of the clients of audit/consulting firms don't retain them for risk management advice, 4) "do as I say, not as I do" doesn't just apply to child raising.
The loss control opportunity (the investment in time and resources should reflect the risk, which means the risk needs to be identified to determine the applicability of the following):
- Get the "rigorous compliance, bookkeeping and internal controls standards" in place now, not after the enforcement action,
- Follow the DOJ "minimum best practices compliance program" as per their common Deferred Prosecution Agreement (the research is a good start, but here is a hint) aka Plea Agreement,
- Establish Legal and Compliance Committee of the Board (3 members, no execs),
- Appoint one or more senior executives to implement of oversee anti-corruption policies, procedures and standards, and provide adequate resources and an adequate level of autonomy from management, (note that US Sentencing Guidelines suggest that this compliance officer reporting to the General Counsel who reports to the board may not qualify, see here for NY Times article, "MF Global's Risk Officer Said to Lack Authority"),
- Appoint a Compliance Consultant to aid in those activities and the reporting obligations,
The insurance spin – There are two insurance vehicles that come to mind for the transfer of direct "bribery enforcement" based loss:
- Standalone Investigation Costs Coverage – this is a new product, rarely purchased and largely unknown product, but no matter what the purchase decision, the due diligence alone is worth your (and your broker's) effort,
- Investigation Costs Coverage as built into a D&O or D&O/Professional Liability policy – there is no rhyme or reason to the contract language so tread carefully. Make sure your broker identifies "Entity" coverage vs "Personal" coverage, and if this analysis covers less than a dozen areas of the policy, ask them to try again,
- Request details on "formal" vs "informal" investigations, but recognize that the "broader" the policy the more onerous there "reporting" obligations, and the greater the risk of erosion or exhaustion of limits.
For indirect loss you might only be able to look to your D&O or D&O/Professional Liability policy. The key for D&O coverage is:
- Don't assume it is a D&O policy as almost every policy provide coverage to the corporate Entity,
- Know how your policy or program (layers of policies) is exposed to erosion or exhaustion,
- Follow-on or Downstream loss can come from many directions, so request information on how your policy responds to "derivative" demands, "securities claims", and regulatory enforcement not included in the initial bribery/corruption enforcement,
- Since some "bribery enforcement" loss does not name individuals, then you may have skipped the "direct loss" comments above, and therefore I will repeat – the "broader" the policy the more onerous there "reporting" obligations, and the greater the risk of erosion or exhaustion of limits.
D&O, Professional Liability and Crime insurance underwriters are tightening their underwriting standards. They are raising the RED FLAG on the departure of Chief Risk Officer, Chief Compliance Officer, or General Counsel, and may no longer settle for "resigned to pursue other opportunities".
Greg Shields is a D&O, Professional Liability and Crime insurance specialist and a Partner at the University and Dundas (Toronto) branch of Mitchell Sandham Insurance Services. He can be reached at email@example.com, 416 862-5626, or Skype at risk.first. And more details of risk and loss control can be found on the Mitchell Sandham blog at https://mitchellsandham.wordpress.com/
CAUTION: This article does not constitute a legal opinion or insurance advice and must not be construed as such. It is important to always consult a registered and truly independent insurance broker and a lawyer who is a member of the Bar or Law Society of the relevant jurisdiction with regard to this material before making any insurance or legal decisions. All material is copyrighted by Mitchell Sandham Inc. and may not be reproduced in any form for commercial purposes without the express written consent of Mitchell Sandham Inc. Anyone seeking to link this document from any external website must receive the consent of Mitchell Sandham Inc. by sending an e-mail to email@example.com.