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Magdich Law is a full-service law firm composed of a carefully assembled, talented group of attorneys with exceptional skills, sound judgment, and broad expertise.
There are bigger firms out there, but none better than Magdich Law. We impart independent, thoughtful legal analysis and recommendations for a wide variety of matters, with a concentration in litigated cases. We provide a broad range of legal services for insurance companies, businesses, and their insureds in a wide variety of civil litigation. We also represent insurance companies directly in disputes with policy holders. Small to mid-sized corporations seek our expertise to resolve their disagreements with other companies or customers. Focus areas of corporate representation include corporate formation, contract disputes, collections, evictions, and other litigated matters.
Magdich Law provides a team approach designed to use all of our resources to solve the problems of our clients utilizing creative and cost effective solutions. Our clients commend our dedication to professionalism, personal service and creativity, using the latest technology to bring about positive outcomes. Our experienced team of litigators focusses entirely on civil litigation involving corporate and insurance disputes. This focus allows us to provide the most informed, cost-effective recommendations to our clients on an individualized, case-by-case basis. We remain in constant contact with our clients throughout litigation to discuss all strategies and recommendations, so as to assist our clients in making the most informed decisions possible.
Not every case is right for a jury trial. We work with our clients to determine whether alternate dispute resolution will better serve the clients goals for a particular matter, whether it be to save financial resources or due to the complexity of the case. However, if your case is to proceed to trial, Magdich Law has been providing superior trial representation for its clients for over ten years, obtaining numerous defense verdicts during that time.
We are well-known litigators. Our areas of expertise include: Insurance Defense, including personal, professional and commercial lines; Corporate Defense; Appellate Work, we handle all of our own appeals saving our clients' resources; Health Care Law; Landlord-Tenant disputes, Fraud Investigation, and Insurance coverage. We are well known in the No Fault realm and speak frequently on these topics. We represent several area medical facilities in their medical malpractice matters and premises liability matters. Our dedication to analyzing our clients' cases in detail is recognized through our results. In addition to successfully trying numerous cases to favorable verdicts, our attorneys aggressively pursue all available defenses, regularly winning partial motions to dismiss and minimizing our clients' exposures.
These qualities have served us well for many years and these are reasons our clients keep coming back and recommend us to others. We have multiple offices located throughout the State of Michigan, allowing us to provide effective, cost-efficient legal representation throughout the entire State. Our team is diverse, personable, and willing to go to trial for you. Read about our Results.
Questions or comments? Email Allison Lazette-Magnan at firstname.lastname@example.com or visit www.magdichlaw.com


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Getting stuck down one-way country paths because that's where your satnav told you to go should soon become a thing of the past, because Garmin plans to add bird's eye view satellite images to selected models.
Garmin's BirdsEye images should make navigation easier
The firm's BirdsEye Satellite Imagery technology will essentially allow satnav owners to see exactly where the "next turning on the left" is — and where the path goes.
BirdsEye's image library was compiled using satellite photos, Garmin promised. Each is geo-referenced and the collection highlights everything from roads and rivers to buildings and landscape features.
Users can also view images at zoom levels of between 12 miles and 20 feet, Garmin added.
Google Maps already does this kind of thing, of course, and is cheaper. But it doesn't provide the turn-by-turn spoken guidance that the Garmin satnavs will offer.
BirdsEye will initially be supported on Garmin's Oregon, Dakota and Colorado ranges of handheld GPS devices, though windscreen mounts are available for all three. Annual subscription to the imagery add-on - set to launch in March - will cost £22. ®

subset: commoncrawl


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One of the most popular trends in app store gaming is incorporating birds into gameplay. While developers have created games based off of angry and flappy birds, one of the newest additions Burds keeps it plain and simple. Swipe and remove like colored birds from the board while coming across bombs, coins and so much more. Do you think you can handle this fast-paced race against the clock?
Take a look at the video and see what you think.


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Disney Loses Nearly $5 Billion Amid Pandemic
Walt Disney Co. posted its first quarterly loss since 2001, as the coronavirus pandemic slammed its theme parks and film productions. WSJ's R.T. Watson explains why investors still seem optimistic. Photo: Matt Stroshane/Getty Images
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Fauci Explains Why the U.S. Lags in Curbing Coronavirus Cases
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Brooks Brothers, From Buttoned Up to Stripped Down
Brooks Brothers -- the self-proclaimed oldest clothier in the U.S. -- filed for bankruptcy in July. Analysts say the suit dealer wasn't able to keep up with modern men who often wanted styles that were cheaper and more functional.
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The Last Driver Review
- Publisher: EA Chillingo
- Genre: Action
- Released: 30 Aug, 2012
- Size: 25.1 MB
- Price: FREE!
- The upgrades give you something to aim for.
- Any game with a Tyrannosaurus is doing something right.
- Short gameplay that invites either a lot of grinding or spending money to gain said upgrades.
A dystopian Mad Max-esque race for survival with zombies and dinosaurs. Short game time, a lot of upgrades, and average control weigh this release down.
- Full Review
- App Store Info
It seems that at the same time the world is beset by zombie apocalypse, alien invasion, and nuclear annihilation (which was obviously triggered to combat the first two horrors). Despite all this, there are still survivors, and some of them have cars. You might be the only one with a working car however. The game is called The Last Driver after all.
Fans of flash games will recognize the design here, as it's quite popular. Play the game, die rather quickly, use your coins to upgrade your vehicle, and then try again, getting a little further, and repeating the process until you've upgraded everything, or you get bored and move onto something else. Your car is controlled either by on screen buttons or tilt plus on screen buttons as aside from swerving to avoid the cars, zombies, boulders, and even dinosaurs, you have the ability to jump, and fire a weapon as well. As you play, there are missions to complete that will reward coins for completion, but these seem like they were thrown in at the end to create extra incentive to spend money via in-app purchase to unlock any you're having difficulty with (as they don't get replaced till all three missions are complete and you rank up).
The vehicle controls as well as you'd expect a battered down pile of rust to after an apocalypse. It swerves back and forth with relative ease, and obviously the upgrades will help this along as you travel further from the starting city into the wastelands, as the dangers become more immediate and harder to avoid.
With a decent enough rock soundtrack and solid visuals, The Last Driver is one of those games where you can play during an ad break on TV and enjoy yourself. One criticism is that the upgrades do require a lot of play and grinding to obtain after the initial few, but as long as you're enjoying the gameplay, this shouldn't be too much of a hassle for you... plus the Tyrannosaurus is a definite highlight. Depending on your game tastes, this easily can fall on either side of the 'buy it' fence so it does make it difficult to recommend.
DescriptionIn a world ravaged by Nuclear Annihilation, Zombie Apocalypse and Alien Invasion there's only one way to drive: FAST and DANGEROUSLY! As The Last Driver you must career through a ravaged cityscape blasting zombies out of the way with an arsenal of car mounted cannons. This IS NOT 'Drivers Ed' this is SURVIVAL!
This app offers in-app purchases. You may restrict in-app purchasing using your device settings.
UNIVERSAL: Works on iPhone, iPod touch and iPad
Shoot and dodge zombies as they climb onto your car, throw rocks, barrels and charge at you with unknown strength and speed.
Complete objectives to earn coins and customize your car. You'll need it to survive longer in this apocalyptic world.
Use your collected coins to make your car into an unstoppable zombie crusher by adding bigger guns, more ammo and extra armor.
In this endless driving experience timing is crucial. Choose from three different control setups and navigate your way through the dying city by jumping, shooting and dodging obstacles in your way.
Visit the Chillingo room on the App Store to see more of our great games: appstore.com/chillingo
Important Consumer Information. This app: Requires acceptance of EA's Privacy & Cookie Policy, TOS and EULA. Collects data through third party ad serving and analytics technology (see Privacy & Cookie Policy for details). Requires a persistent Internet connection (network fees may apply). Contains direct links to social networking sites intended for an audience over 13. Allows players to communicate via Facebook notifications and gifting. To disable see the settings in-game.Contains direct links to the internet.
Terms of Service : http://www.ea.com/terms-of-service
Privacy & Cookie Policy : http://www.ea.com/privacy-policy
EULA : http://tos.ea.com/legalapp/mobileeula/US/en/OTHER/
Visit http://www.chillingo.com/about/game-faqs/ for assistance or inquiries.
EA may retire online features and services after 30 days notice posted on www.ea.com/1/service-updates.


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Welcome to Emotional Intelligence Guide
Emotion And Emotional Intelligence Article
For a permanent link to this article, or to bookmark it for further reading, click here.
The Power Of Words - Emotional Intelligence In Articlesfrom: Motivated Lifestyle - Archive Material
Writing is among several media which we have been accustomed to using since the very early days of civilization. It is not surprising really that this particular medium has managed to retain its worth until now, as it is so powerful.
We know exceptional detail of our history, because some people cared to write them down on paper. We also learned philosophy because the philosophers of ancient times realised the importance of preserving their thoughts in writing.
we actually have a much greater understanding of life itself, because we have retained so many written accounts of it, and as obvious as it may seem, emotional intelligence devloped in the world because people wrote their understanding of it in ink.
The book on Emotional Intelligence by the psychologist and author Daniel Goleman, revolutionized the views of people with regards to a person's success.
For a long time, people believed that the only true determinant to a person's achievements was their intellect, and this is measured through Intellectual Quotient, or what we simply call their IQ. An individual's IQ is the measure of how intelligent a person is, depending on the level of his ability for logical analysis, and a number of other fields are taken into account also.
We don't know exactly why people readily embraced emotional intelligence as fact, although this does not negate the fact that many people disagreed with Daniel Goleman, and advocated that there was enough evidence available to suggest that emotional intelligence as such should not be recognized as a part of intelligence.
With the rise of the controversies and the considerable interest in this new field, many authors have shared their opinions, which is either to accept and progress with the present knowledge, or to scrutinize and find loopholes with this new field in psychology. Nonetheless the general public have found wisdom in using emotions to become the people that they want to be.
With the lifestyles which we have today, it is important that we encounter articles that do actually discuss the concept of emotional intelligence from time to time.
Words have this power, namely to exert considerable influence on our thoughts, because they help us realize what should be accepted, and what should be denied. Words have created so significant changes in the development of mankind.
The Son of Man, our Lord and Saviour Jesus Christ, was crucified because of words, because of words nations fell, because of words wars started, and because of words people can change significantly.
There are endless possibilities that words can offer to us, and even living in our present environments, words still can rule our thoughts and our decisions and knowledge of things in general. Things may change, things can find their true value because of a word, and by use of words we can find the changes and values between any of the issues we that we are confronted with on a daily basis.
The articles which we encounter on the Internet on emotional intelligence, or those that were published offline, are all great contributions to the knowledge that we have on emotions and on how they affect people. The focal point of all changes occurred when the book on Emotional Intelligence emerged on to the scene however.
Articles on emotional intelligence provide us with previews on the present vault of knowledge which man has on emotional intelligence. You might well find some contradictory information provided by other articles, and you might find many that would support the claims of the pioneers in this field.
Nevertheless we cannot deny the truth, that no matter how useless an article on emotional intelligence may seem, there are still grains of truth which is embedded in it, and each of these grains is a tiny contributor to the greater scheme of things.


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Did you know?
Even with a properly installed refrigerated air dryer located at or near the air compressor site, the fact that your plumbing is exposed to the changes in temperature will allow moisture to reappear along this route. Even worse is when the plumbing is allowed to sag or have low spots to drop around a structure or object. This low spot will, over time fill with moisture, and perhaps compressor oils, that at some point will move down stream into your pneumatic tool, or spray paint application, all at one time. The best advice to make sure this does not happen is to install a properly sized compressed air filter at the point of use.
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...and now it's May. I know! I have been a slacker and I really don't have any excuses! I am always telling myself that it is time to update the blog but I just never get around to doing it. Anyway.....
We were supposed to go to Norfolk for Christmas in December but the weather turned bad that weekend so we didn't go. I was talking with my Grandma and she said of all the years that we have planned Christmas this was the first year that we have had to change the date. Pretty impressive considering we have made that trip back to Norfolk from Palisade for 20 years and only this once we had to reschedule.
Alex is pretty stoked to meet the family and hang out at "Christmas". We went to my Grandma's for Christmas dinner; chili and oyster soup.
Loren playing swords with his windshield scraper.
Loren playing swords with his windshield scraper.
Oh Evan! My grandma bought him new basketball pajamas for Christmas and he was super excited! He tore his clothes off and said "This is exactly what I wanted!" This is him putting on his pajamas. It was so funny - just stripped right down in front of everyone to put these on!
Cheesin' and letting Aunt Mindy take his picture in his brand new what-he-always-wanted pajamas!
HEEEYYY-OOOO! HEEEYYY-OOOO! Hammin' it up!
Showing off his Thomas the Train stuff. He loves that stuff!
Wanting to play with it right away.
Mom with her sisters - Debbie and Nancy. We like soda I guess......This is the next day hanging out at my Grandpa Bob's. Evan is getting the best of Alex!
Looks like Alex got the best of Evan!!!
Evan stole Alex's hat and he is jammin' out for me! He is such a goof! Looks like he is playing air guitar!!
I think he's throwing up gang signs...
Not sure if it's okay or not to jump on the couch but he's so cute how can you tell him no. Even Loren and Alex think it is okay!
Giving the kid candy for breakfast. No. Not really. At least I don't think so anyway.
Alex and I ran into Norfolk from Battle Creek to pick up some stuff and told Evan that if he was good we would bring him back some balls so we could play in the house. Who knows if he was good or not, we still gave them to him! Here he is going to block Al's shot. Pretty sure he did!!! LOL
All tuckered out.
On our way back from Norfolk we decided that we would stop off and see Codina and Shane. Their twins had turned one at the beginning of February so we stopped to see them for the first time. This is little Parker.
And this is Grady.
This is their big brother Conner. I just can't believe how much he has grown. He turned 6 in December.
Here is Wally, Grady and Codina. I want to give a shout-out to Co who is expecting again and if I remember correctly, is due in November!!! YAY guys!!! Congrats! I hope you have a girl!! :)


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Anything Goes Carnival of Politics
Welcome to the April 17, 2011 edition of the Anything Goes Carnival of Politics.
Nicole Adams presents Will the Illegal Immigrant Issue Bite the Republicans in Oklahoma? posted at Law Enforcement Training, saying, "There are many issues that currently plague the state of Oklahoma, but the one's that raising the most dust is the recent bill that was passed to allow state law enforcement officers to enquire about the immigration status of residents… The state is divided over the issue, and the contention is not between the Democrats and the Republicans, but between two sects of the GOP."
Maureen O'Danu presents Outside the Monkeysphere: How Liberals and Conservatives Generalize Information about 'Those People' posted at Walking Upstream, saying, "How perceptions of outgroups influence politics."
just4theplanet presents Budget 2011: Green measures posted at Just 4 the Planet, saying, "After listening to George Osbourne's budget speech one might ask – who could possibly argue with a better balanced Britain, one in which the workforce has better skills and small businesses are able to get access to the funds they need to set up a business? As Osborne went through his plans for a supply-side revolution however it should be noted that there is one big problem – the plan for growth takes place against a backdrop of an economy that is cooling rapidly, …"
Phillip Donavan presents The New Town Square: 15 Best Places for Political Satire on the Web posted at Political Science Degree, saying, "In the olden days before internet or even television and radio, people were forced to walk all the way to the town square to hear the latest pontifications on current events. Because walking, even to the remote, is so yesterday, the town square has grown immensely in not only audience reached but speakers as well."
Current Events
Eric Bauer presents Picking And Choosing The Winners posted at Vote Bauer, saying, "The events in Libya have made me wonder about the role of the U.S. government, not only domestically, but internationally as well. A lot of questions have arisen inside my mind regarding the behavior of the Government in certain situations, usually dire ones. "
Marilyn Stowe presents "Liz Taylor was beautiful, iconic… and a great client for divorce lawyers" posted at Marilyn Stowe Family Law and Divorce Blog, saying, "Hardly a great role model for lasting relationships, you may think; but what a great client for divorce lawyers! And it is true that Elizabeth Taylor has long been a favourite of mine – but I have my own reasons."
e.m. cadwaladr presents Global Warming Reheated posted at e.m. cadwaladr, saying, "An analysis of popular reaction to global warming and peak oil."
Marilyn Stowe presents Purim and the curious case of M v F & Others posted at Marilyn Stowe Family Law and Divorce Blog, saying, "This weekend marked the Jewish festival of Purim. It commemorates Queen Esther, who managed to save the lives of the Persian Jews who were to be massacred by the wicked noble Haman. By begging for their lives, the Queen put herself at great risk. The King, who didn't know she was Jewish herself, was moved by her pleas. He ordered Haman to be executed and the Jews were saved."
Ryan Raba presents What's so bad about Socialism? posted at The Raba Review, saying, "Socialism has a bad rap in America. Many people, particularly of the conservative persuasion, naturally associate socialism with government control, loss of freedom, and anti-democracy. Capitalism on the other hand, is what many believe America is all about. It drives industry and prosperity and freedom for all, it's what made this nation great. Every now and then though, particularly when the economy is down, it's fun to explore the pros and cons of capitalism compared to socialism. "
Madeleine Begun Kane presents Brace For Another Pounding From Pound-Foolish Policies posted at Mad Kane's Political Madness, saying, "There are three categories of spending in which cuts lead to more, rather than less, spending down the line, says Alice Rivlin, former director of both the Congressional Budget Office and the Office of Management and Budget. Inspection, enforcement and maintenance. The GOP is trying to cut all three."
Scott Spiegel presents NYT Charges for Content People Avoided When It Was Free posted at Scott Spiegel, saying, "With news that Frank Rich and Bob Herbert have left The Times, the selection of my 20 free Times articles a month couldn't be less affected if Paul Krugman quit."
smrtas1 presents Is the US Broke? posted at Conservative Patriot HQ, saying, "The Progressive movement is embracing a new talking point that the United States is not broke, but that rich people and banks have taken all our money. Progressives simply want to take "our" money back and presto, deficit and debt problems would be solved."
Scott Spiegel presents Congress's $38.5 Billion Scam posted at Scott Spiegel, saying, "Congress's $38.5 billion in cuts consist mostly of unused funds, funds that hadn't been allocated for specific projects, non-renewals of one-time expenses, and salaries for czars who have already resigned."
Jeff Bartelli presents A Simple Explanation: What Is The Economy? posted at Distant Observer, saying, "This is a simple explanation offering an analogy for the economy as a whole and pointing out what is truly wrong with it. It is intended for lay readers who always hear politicians talk about the economy without really saying anything about it."
From the Left
Jacob presents Another War, Another Lie posted at FreeTheTruth, saying, "Here we go again with another ridiculous and illegitimate war by the U.S. and its allies. The recent intervention in Libya will no doubt turn out to be another Iraq or Afghanistan. In other words, a totally failed cause."
just4theplanet presents USA: The Grand Old Party (GOP) should be renamed EOE – Enemy of the Environment posted at Just 4 the Planet, saying, "We've been very critical of the Republicans in the United States where the politicization of climate change science has reached new heights. In a direct challenge to president Obama's plan to regulate greenhouse emissions, they are doing their utmost to reverse all steps the EPA has taken to regulate emissions, including its ruling that greenhouse gas emissions constitute a threat to public health and can therefore be regulated through the existing Clean Air Act."
From the Right
Dividist presents Ministry of Truth issues Deficit Reduction Plan posted at Divided We Stand United We Fall, saying, "There is plenty to criticize about the President's Deficit Reduction Plan above and beyond the doublespeak nonsense. The primary criticism being – it is not a plan. At least not a plan in in the same category as the Simpson-Bowles Plan or the Paul Ryan Plan – both of which offered 70+ pages of unvarnished detail unsullied by Orwellian euphemism. There are few details offered in the President's seven page framework, which can be more accurately described as general spending and revenue goals wrapped in partisan rhetoric. The saddest aspect of the President's presentation is that on that one crucial point, the President is right. Revenues will indeed need to increase in addition to massive spending cuts. However, the point is lost in the absurdity of the presentation."
Scott Spiegel presents First Rule of Good Governance: Never Negotiate with Democrats posted at Scott Spiegel, saying, "Battling Democrats legislatively is like fighting terrorists militarily—you don't show them how spineless you are; you show them how merciless you can be. They don't respond to anything else."
Janet presents NDP Promise to Cap Credit Card Charges posted at Credit Cards Canada, saying, "The NDP has made its first campaign pledge of this election: Credit card charges need to be capped."
Down the Middle
Vidal presents Duty Calls! posted at Liberty's Red Elephant, saying, "Jury Duty – just like voting – it's not a right, but your civic duty as an American citizen."
Marilyn Stowe presents Radio Gaga (From Solicitors Journal) posted at Marilyn Stowe Family Law and Divorce Blog, saying, "Marilyn Stowe offers her hard-won survival guide for going on air."
Safa Samiezade'-Yazd presents Jon Stewart's Persian Counterpart posted at Politics for Change, saying, "A Daily Show knockoff in IRAN? Imagine turning on the TV to your favorite show, only to find the screen in complete vertigo and your ears numbed to the atonal drone you can't wait to put on mute."
That concludes this edition. Submit your blog article to the next edition of the Anything Goes Carnival of Politics using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.
Technorati tags: blog carnival, politics, current events, liberal, conservative, independent, from the left, from the right, down the middle, media.


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Gooding service Sunday at Herring Grove FWB Church
Eldress Michelle Gooding will be installed as pastor of the Herring Grove Free Will Baptist Church at 4 p.m. Sunday. The guest preacher for the occasion will be Antonio Blow, pastor, and the St. Mary Free Will Baptist Church of Jason. Bishop J.E. Reddick, General Bishop, will be conducting the installation ceremony. Herring Grove is at 46 U.S. Hwy 70 W., Kinston,
Gooding is a Kinston native, the daughter of the late Rev. William Griffin and Loretta Hardy. She is married to Vincent Gooding, and they have a daughter, Viya Elizabeth. She is a lifelong member of Herring Grove and administrative secretary to her bishop, Dr. Johnnie Ervin Reddick. Under his tutelage, Gooding began ministry while in college and was later ordained with full preaching credentials in November of 1994.
She attended Lenoir County Schools and graduated from Winston-Salem State University. Her studies extend toward a master�s degree from Central Michigan University. She is the recipient of an Honorary Doctorate of Theology from Trinity Bible College and Seminary.
As a representative with Woodmen of the World Fraternal Insurance Society, Gooding offers life insurance and annuities to North Carolina families. She is also a member of the Alpha Kappa Alpha Sorority, Inc. and Lenoir County Rotary Club. She serves on the board of the N.C. Council for Women and Domestic Violence Commission.
She is the recipient of the Woman with Purpose Award by the state of North Carolina and many other national and state awards for her work with families and children. Her spiritual and vocational training combined have led her to reach families and impact their lives for God�s glory.
For more information about the celebration, call Blendia Joyner at 252-527-6801 or Gooding at 252-268-9640.


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$25 Wine and Food Experience Gift Certificate
Now available, you can purchase a certificate for a Wine & Food Experiences at any one of our four winery locations. To see a list of all winery experiences and available dates, go to our Estate Winery Events.
This certificate is for winery experiences only.
(If you wish to purchase a wine gift only, you can do so on our Gifting page)
After purchase, the recipient can book their preferred experience by calling the Great Estates Okanagan at 250-494-0451 ext.241
This certificate is valued at
Not redeemable for wine - Gift Certificate can only be used towards a wine and food experience at one of the Great Estates Okanagan Wineries (Jackson-Triggs/Inniskillin, Sumac Ridge, See Ya Later Ranch and Nk'Mip Cellars).
To see a list of all available experiences, go to Winery Events.
To book your experience call 250-494-0451 ext. 241.or
email firstname.lastname@example.com and provide agent with the order number


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The funds in estimate of $700 million to $1 billion as announced by MGM Chief Harry Sloan last year, would have financed MGM's core franchises such as James Bond, The Pink Panther, Thomas Crown, Rocky, Terminator and of course, The Hobbit.

The Financial Times report states "The financing has not been abandoned, however, with the banks believed to have moved from an underwriting commitment to a "best efforts" commitment."

How this affects The Hobbit remains to be seen, but the article goes on to say that "The studio is understood to be relaxed about the delay because none of the films in line to receive funds from the financing is due to start production imminently."


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– The new WWE Studios film Dead Man Down has been declared "Rotten" by review site RottenTomatoes.com. With 36 reviews in, the movie currently has a score of 39/100. Their quick review reads:
"While the fine cast keeps Dead Man Down watchable throughout, the film is weighted down by absurd plot twists and a slack pace."
– Triple H tweeted a photo of the vintage Rock race car with the following caption, "At the WWE warehouse for a photo shoot today…. Never know what you'll see!!! @TheRock I think mine blew up, lol"
– At Saturday's WWE Raw live event from Broomfield, Colorado, Chris Jericho will make his return to action.
EXCLUSIVE: A Main Event Which Saved The Show….


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Better risk management for competitive advantage
Recent risk management articles
- IFRS 17: Waiting is not an optionIFRS 17 is a principles-based accounting standard for the future-oriented valuation of insurance contracts. Designed to increase financial transparency, IFRS 17 requires insurers to report in more detail on how insurance and reinsurance contracts affect their finances and risk.
- Scenario stress testing: Beyond regulatory complianceScenario stress testing offers banks a way to simulate responses to a financial crisis using a wide range of conditions and levels of severity.
- The analytical CRO and the risk aware CFOTo create a more risk-aware organization, the most important collaborative relationship for the CRO is with the CFO and the finance team. The CFO and CRO – as the executives responsible for budgeting and supervision – tend to get caught in the middle of competing objectives.
- frtb: a wait and see strategy could be riskyFRTB, fundamental review of the trading book, is a regulation that changes how banks analyze market risk in the trading book to address systemic challenges.
- General Data Protection Regulation: From burden to opportunityThe General Data Protection Regulation stirs up mixed emotions, but Kalliopi Spyridaki shows how to use the new legislation for business advantage.
- IFRS 17 and Solvency II: Insurance regulation meets insurance accounting standardsIFRS and Solvency II encourage comparability and transparency from a regulatory and accounting perspective for insurers, but there are important differences.
- Credit risk management is the answerLending and loan volume is back up to pre-crisis levels. But banks are facing higher delinquencies as well. That's why improving credit risk management is crucial.
- IFRS 9 and CECL: The challenges of new financial standardsIFRS 9 and CECL will require banks to more accurately predict expected credit losses (ECLs). This will require new credit loss models based on analytics.
- Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
- Should banks adopt regulations as best practices?The regulatory tsunami isn't letting up, but is there value to be gained in adopting, for instance, BCBS 239 principles?
- Retail cyber risk toleranceManage your data assets just as you would any of your physical assets by putting security plans in place for any and all contingencies.
- Prepare for IFRS 9 convergence with better IT and data practicesAs banks prep for IFRS 9 convergence, it will put added stress on IT systems. Learn how to build an IT framework that meets regulatory challenges.
- Risk data aggregation: Transparency, controls and governance are needed for data quality and reportingFinancial institutions' data aggregation and reporting techniques and systems are receiving increased attention both internally and externally. Find out how to take a comprehensive approach to BCBS principles and risk data aggregation and management.
- Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse.
- IFRS 9 impairment regulation: How to prepare for the data tsunamiBanks will have to update ECL amounts at each reporting date for credit risk changes, significantly increasing impairment calculations and data collection.
- RegCap vs. E-Cap: Getting It rightStress tests don't produce a fourth type of capital - it is regulatory capital. And it gives regulators a view into capital planning where they had none before.
- Basel III doesn't have to be a big pain for community banksBasel III isn't going away. An investment now, rather than later, in a tool that gives you repeatable processes – and updates automatically when the rules change – will be well worth the time and effort.
- Five myths and misconceptions community banks have about Basel IIIMyth No. 1: Basel II didn't pertain to us, so Basel III won't either. Wrong. The US Basel III Final Rule provides capital frameworks commensurate with bank size, so the rules apply to nearly all banks in the US. Myths 2-5...
- Basel's US history and what it means to community banksThe US Basel III Final Rule marks the first time that the US regulatory system is adjusted to the size of the bank. Learn about the history of Basel III and what institutions are impacted today.
- There's more to gain from regulations than just complianceThe things you are doing now to prepare for Solvency II implementation can benefit your business in many other ways. For instance, do you know which customers, regions or products are your most profitable? Do you know where you are leaking profits? Get the most from your compliance efforts.
Send SAS Insights straight to your inbox


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Main Content
Since the placement of the Victory sculpture atop the Indianapolis Soldiers and Sailors Monument, early fall 1893, it has withstood the buffeting of winds, as well as the variety of Indiana elements: piercing sun, pounding rain and hail, freezing sleet and snow. In the 1940s and 50s, workmen – steeplejacks, really – would emerge from a window on the observation level of the monument, raise themselves via rope to the base of the sculpture, transfer to a small rope swing attached to a block and tackle in the vicinity of the sculpture's left shoulder, raise themselves – hand over hand – until they reached a point midway between the shoulder blades, remove a metal plate entry door to the sculpture and climb inside.
The workmen, mid-century, reported water infiltration of the sculpture that resulted in a half-inch of ice coating of the interior steel support lattice work during the winter. News reports from the era indicate the workers cleaned, tightened and painted the interior of the sculpture "every three or four years." In 1957, more extensive repairs that included the exterior of the Victory sculpture were performed.
In the late 1980s, a large-scale project was undertaken to repair the entire monument, including interior renovations. It was then that gold leaf was applied to the sculpture's torch.
In 2009, contractors for the Public Works Division of the Indiana Department of Administration, noted water infiltration was affecting the Victory sculpture, as well as limestone carvings below the observation deck. In January, 2011, when it was determined that damage had reached a critical level, a new project was initiated that required removal of the sculpture for complete restoration and repair. Scaffolding was built to encompass the 38-foot sculpture and exterior steel supports were attached to the bronzework to maintain its rigidity during removal. On April 23, about 6:30 p.m., the sculpture was removed after 117 years in place. It returned to the top of the monument on September 12.
History of the Victory Sculpture
Story of the Monument's Limestone Sculptures
Keys to the Soldiers and Sailors Monument Project


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For some absurd reason, my onboard card*'s most recent official driver release is for Windows ME. Maybe Intel was just weird at the time.
Regardless, I can't seem to render HD textures. Which is a pity, 'cause I've seen 'em in action for a few instants before my Aleph One instance implodes under the strain, and they're beautiful.
* Can't replace it, multiple reasons, all related to money


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1st Round NFL Mock Draft:
1st– Carolina- Andrew Luck, QB, Stanford- The Panthers have a lot of holes and a lot of work to do on turning their team around, but I don't think they have seen anything out of Jimmy Clausen that would make them say "Yes, this guy is definitely our franchise quarterback." If that is the case then there is no way they can pass on Luck here if they think he is a potential franchise QB. We've seen the turnaround that a good, young QB can help a team accomplish if they come to the right situation with the Falcons, Ravens, Jets and now the Rams and to a lesser degree the Browns. The Panthers have a lot of needs, but solidifying the QB play can improve the whole offense. Luck is a very good QB prospect, and unless the Panthers are seeing something in Clausen that I'm not then they should take Luck #1 overall.
2nd– Cincinnati- A.J. Green, WR, Georgia- Cincinnati has a few needs as well, which makes sense or they probably wouldn't be picking in the top five selections. I think Carson Palmer needs to be replaced in the next two years, if not sooner, their offensive line could use upgrades, they could use another quality wide receiver to play opposite Ochocinco and eventually replace him, and they could use pass rush help at DE and some serious safety help. It goes without saying that Cincinnati can't really afford to miss with this pick, and I think that is why A.J. Green has to be the selection. He is the consensus #1 WR in the NFL Draft if he decides to come out according to just about everyone, and he would give the Bengals a very impressive cast of receivers with Ochocinco, Green and Shipley in the slot.
3rd– Dallas (F/ DEN)- Patrick Peterson, CB/S, LSU- Is this trade down especially likely to happen? No. Do I think it will happen if this is how the draft plays out? Maybe, but it probably isn't especially likely. But I have to do something to keep things interesting right? Now, Denver will probably be looking at a front seven pick here, and they could pick Marcell Dareus here, but to be honest that feels a little high for him in my opinion. So, will anyone actually trade up here? I'm not sure, but if anyone was going to do it I think it would be the Cowboys. The Cowboys have a lot of talent and hopefully they bring Jason Garrett back because they have looked better with him at the helm. However, safety is a huge need for the Cowboys and I think that if they fall in love with Patrick Peterson they will go and get him if they need to. Peterson is an absolute playmaker, and he could be one of the most dynamic safeties in the league if he adjusts well to the position. His combination of size, speed and ball skills is something you rarely see out of a safety even in the NFL, so if they think he can be a game-changer for them that can dramatically help their secondary I would expect the Cowboys to make the move and go get him.
4th– Arizona- Prince Amukamara, CB, Nebraska- The Cardinals could arguably use a QB here, but I don't think I would feel comfortable spending a top five pick on Jake Locker or Ryan Mallett. So if the Cardinals aren't going with a quarterback until round 2 (most likely) then they have to look to fill another need. Cornerback could be that position. Dominique Rodgers-Cromartie is a good corner, but they don't have much opposite him. They might have bigger needs than #2 corner, but there aren't many better players available here than Prince Amukamara, so Arizona could end up getting the best player they can here.
5th– Buffalo- Robert Quinn, DE/OLB, North Carolina- Everyone thought the Bills were a lock to take a QB, but Fitzpatrick has played well enough to make them reconsider, so I don't think they will go after a QB unless Andrew Luck somehow falls to them (which I don't think is likely). Is Fitzpatrick the long term answer? Probably not, but if they aren't sold on Locker or Mallett in the top five it makes sense to stick with Fitzpatrick and look to shore up other areas. Normally I think the Bills would grab a quality LT here, but since no such player is worth this high of a selection (when was the last time there wasn't an offensive tackle worth this pick??) I think the Bills could go after a pass rusher to help boost their pass rush. The Bills have used both 3-4 and 4-3 formations on defense this year, so I can't say I know what formation they will stick with in the future. However, I think Quinn has the athleticism to potentially play in a 3-4 at OLB and I know he has the athletic ability to harass quarterbacks at RE in a 4-3. This is another big high risk/high reward pick for the Bills but it could pan out for them with a burst to their pass rush.
6th– Detroit- Da'Quan Bowers, DE, Clemson- I think this would probably be a worst-case scenario for the Lions, but even if Peterson and Amukamara are gone the Lions will have options. One of the most appealing would have to be adding a pass rusher with as much potential as Bowers. Bowers might not fly off the edge like you might think he would considering his amazing 15+ sack season, but he has an intriguing combination of size, speed and strength and projects well to the LE position in the NFL. Adding another potential stud pass rusher to that defensive line could help their secondary out, and in a very deep cornerback class the Lions will have an opportunity to select a corner with their 2nd round pick.
7th– Denver (F/ Dallas)- Marcell Dareus, DE/DT, Alabama- Denver traded down to try to pick up some draft picks to fill some more needs and still gets their guy! This would probably have to be a best-case scenario for the Broncos as they could really use some help on the defensive line and Dareus is probably the best 3-4 DE prospect in this draft class.
8th– Cleveland- Justin Blackmon, WR, Oklahoma State- Colt McCoy has shocked me with his play so far and he has impressed me thus far in his career. I did not think he was capable of this, but like I did with Sam Bradford I really underestimated his intangibles. And like I always say, I am man enough to admit when I'm wrong! I am going to re-watch the Bengals-Browns game and watch McCoy specifically, I will post my thoughts on him. However, I think it's safe to say Cleveland has found a quarterback worth developing, so they need to work on getting him some weapons. That starts with a stud wide receiver, and outside of A.J. Green there isn't a receiver I like more than Justin Blackmon. Blackmon has had an absolutely unreal season as he has had over 100 yards and at least one touchdown in EVERY SINGLE GAME this season. That kind of consistent performance is exactly what Cleveland needs out of a wide receiver, which is why I think they may pick him even over the bigger, potentially faster wide receiver in Julio Jones who has a potentially higher ceiling. Another reason they might not pick Jones? His lapses in concentration that lead to drops may remind them too much of Braylon Edwards.
9th– Houston- Nick Fairley, DT, Auburn- Houston has such a dominant pass rusher in Mario Williams but they have had so much trouble finding help for him along the defensive line so that teams can't just double him, take him away and then buy time for their quarterback to throw. Nick Fairley has been one of the most dominant defensive players in the country this year and the first time I watched him play he reminded me of Kevin Williams the way he was coming off the ball, splitting double teams and making plays in the backfield. Adding Fairley could give the Texans a pass rusher who can collapse the pocket and help force quarterbacks to scramble, which could mean more sacks for Mario Williams.
10th– Minnesota- Jake Locker, QB, Washington- I struggled a bit with this pick because I really think the Vikings need to think about trading down at this spot because they have so many holes on their team. They need a quarterback, a left tackle, a center, a right guard, a defensive tackle, potentially a left end if they let Ray Edwards walk (and I really think they should, especially if he wants a big pay day), a cornerback and of course safety help. That's a pretty long list of needs, and the more picks they have in the first two or three rounds to help fill those holes the better off they will be now that they will probably have to start rebuilding. Remember, they don't have a 3rd round pick this year because they traded it to the Patriots for Randy Moss. But if they can't or don't trade down and Patrick Peterson isn't available you have to imagine they will pick a quarterback. I don't know which they will ultimately prefer between Locker and Mallett here at #10, but I think that with a couple years of development Locker will be the better NFL QB of the two, so I mocked him to the Vikings here. Locker is not ready to start as a rookie like so many people thought he might be after his great season as a junior, but in reality he needs significant work before he will be ready to start. The Vikings have very little talent at quarterback with only Joe Webb likely to be back next season. First and foremost they need to bring in a veteran quarterback who will be able to keep some pressure off of Locker, or whoever they draft, so he isn't rushed in too early. Donovan McNabb, if or when he is released from the Redskins, would be ideal.
11th– Washington- Julio Jones, WR, Alabama- The Redskins, regardless of who is playing quarterback, could really use some firepower at wide receiver. They need help at the skill positions, namely running back and wide receiver, and Julio Jones has a higher ceiling than just about any receiver in this draft class because of his great combination of size, strength, speed and his ability to make unbelievable catches. He has such great hands, but he will still drop more routine passes sometimes that will frustrate you as a scout and as a fan. If he can improve his concentration and become more consistent he could be one of the best receivers to come out of this draft class (if not the best).
12th– San Francisco- Ryan Mallett, QB, Arkansas- It is pretty apparent that San Francisco needs help at quarterback after the Alex Smith experiment, at long last, has proven to be a complete failure. Troy Smith showed some ability, but it wasn't consistent enough to make QB enough of an afterthought to pass on one here if there is a good one available. I am not a huge Mallett fan, and I personally think that his ceiling may be what Cutler is dealing with now. I don't know how consistent Mallett's footwork will ever be, and that contributes to his inconsistent accuracy and ball placement. When he gets in the zone, just like Cutler, Mallett can make any throw and put the ball wherever he wants it. But like with any QB, that ability comes and goes, and when they aren't on their footwork causes erratic passes because they can get away with throwing off of their back foot, plus both of them have questionable decision-making. I was really high on Cutler when he came out of Vanderbilt, and I still like him as a QB, but I don't think Mallett will ever be as effective as Cutler has been this season for the Bears. Maybe I'll be wrong, but that is just my opinion. However, if the 49ers feel differently then he makes a lot of sense for them because they could use a strong armed QB who can make any throw to deliver the ball downfield to Crabtree and Vernon Davis as well as any other passing weapons they develop. I'm not sold on Mallett's leadership capability either, but it would be nice if the 49ers could get a leader at QB who could lead the offense like Patrick Willis leads the defense.
13th– Seattle- Stephen Paea, DT, Oregon State- Seattle needs help all over their defensive line, but outside of Red Bryant they don't have a lot of talent at defensive tackle. There isn't really a DE that I believe is worth this pick (I am not high on Adrian Clayborn after the way he played this year…) so if I was the Seahawks I would look at grabbing one of the quality DT's still on the board. Paea might be the best one available, so he could very well be the pick. Paea is incredibly strong in the weight room but unlike some players his weight room strength seems to translate to the field, plus he is very quick off the ball and is very disruptive in the backfield. Playing next to Red Bryant (if he's healthy next year, hopefully he will be) would mean a lot of one on one matchups for Paea which could mean some early impact from him. That would be huge for the Seahawks who really need a boost to their pass rush however they can get it.
14th– Tennessee- Akeem Ayers, OLB, UCLA- Tennessee needs OLB help, and they probably have needed it for a while, so they should be looking at that need first and foremost. It looks like they need a QB of the future since Vince Young has not been playing in favor of Kerry Collins, but there is no QB worth this high of a selection in my opinion unless they wanted to take Cameron Newton. However, if I was the Titans he would remind me way too much of Young to take a risk on him here. Ayers is a much safer pick that is good versus the run, versus the pass and can even rush the passer.
15th– Miami- Mark Ingram, RB, Alabama- You might think to yourself: Ingram? Really? The Dolphins have Ronnie Brown and Ricky Williams! Well, both of them are getting a little older. Brown is getting close to that 30 year old mark where RB's tend to start to decline, plus he has been dealing with injuries. It's tough to pinpoint how much longer Ricky has left because of his time away from the game, but like Favre is beginning to find out you can't play forever. Ingram is the best running back in the country and he should be able to contribute immediately to take some of the load off of Brown and Williams. Plus if one or both of them gets hurt Ingram would be comfortable carrying the load until they are healthy. Chad Henne has been inconsistent like I expected him to be in the NFL, so he hasn't inspired a lot of confidence at Miami. I think it's a little too early to pull the plug on him though.
16th– New England (F/ OAK)- Von Miller, OLB, Texas A&M- The Patriots could use some pass rush help at OLB and that is one thing Von Miller does as well as about anyone in the country. Miller started slow this season but he has picked it up since then and has put together a quality senior season after he exploded onto the scene his junior year. He projects very well to the 3-4 OLB position and I think he would fit into the Patriots defensive scheme very nicely.
17th– Tampa Bay- Rahim Moore, S, UCLA- This might seem like a strange pick, especially with Adrian Clayborn still on the board, but like I said I'm not that high on him. However, I do like Rahim Moore and the Bucs need serious help at safety. I think they could use an upgrade at corner, but safety might even be more pressing than that. They have been rotating anyone in at safety this year trying to find someone who can play well, but no one has stepped up it appears. Moore is the essence of a center fielder and he has good ball skills which makes him a very nice fit for the Bucs defensive scheme.
18th– Jacksonville- Cameron Newton, QB, Auburn- This might seem like a strange pick here, but I think it makes some sense. David Garrard is about to turn 33 in February so he might have another year or two left playing at a high level, so a developmental QB would be a nice thing to have. Enter Cameron Newton, the ultimate developmental QB. Garrard could be a good mentor for Newton because Newton will probably play with a similar style to Garrard in the NFL if he ever develops his fundamentals like Garrard has. But with Garrard still playing well he would keep the pressure off of Newton while he developed as a QB and more importantly if they worked him into the game on some Wildcat formations he could help sell tickets, which is one of the reasons this pick makes the most sense. The Jags didn't get Tebow last year to get people to buy tickets but Newton should have a similar impact. He really needs some development and coaching, but the amount of attention he would bring to the Jaguars would be worth the development and patience they will have to have with him.
19th– Green Bay- Janoris Jenkins, CB, Florida- The Packers could go a couple of different directions here. The Packers could use a future LT (I think Bulaga should stick at RT), a RB, a DE (depending on Johnny Jolly), an OLB to play opposite of Clay Matthews and some help at corner. Al Harris is no longer with the Packers but Tramon Williams has stepped up into the starting role before and he has played well in his stead opposite Charles Woodson. The only problem is they don't have much depth behind Woodson and Williams and Woodson himself is getting up in age and won't be able to play as well as he had the past few years for a lot longer. That makes me think that corner should be addressed in one of the first two rounds, if not in the first round. Jenkins would do a couple things for the Packers as their draft pick. First, he would bring a physical presence because of the way he supports the run which is what the Packers like in their corners. Second, he would bring some impressive ball skills which the Packers LOVE in their defensive backs. Third, he would keep the streak alive of the Packers having at least one corner with dreads starting in their secondary alive for a long time. Yeah, I went there.
20th– San Diego- Cameron Heyward, DE, Ohio State- This might seem surprising but I think it makes a lot of sense. Cameron Heyward is an absolute beast in the trenches and I think he is the #2 3-4 DE prospect in this draft class for that reason. The Chargers could really use a 3-4 DE, so Heyward makes perfect sense for them at #20. He would help solidify a defensive line that used to be a strength for them, and while they do need an OLB to replace Merriman because Larry English has disappointed at OLB (I thought he was more of a 4-3 DE to be honest) I think they might be able to get one of those in the second or third round if they like a prospect there. Heyward could potentially contribute right away and fill a big need, so I think he has to be the pick here.
21st– St. Louis- Adrian Clayborn, DE, Iowa- I don't know if this pick makes perfect sense because Clayborn projects better to LE which is where Chris Long plays currently, but he played RE at Iowa so maybe the Rams will get creative with him at RE to help their run defense and then move him inside on passing downs. Regardless, he's a pretty good value here even if he has had a down season this year in my opinion. The Rams already have a pretty good defensive line but if Clayborn plays up to his potential then he could really turn this unit into a dominant force.
22nd– Kansas City- Justin Houston, OLB, Georgia- There are questions about how Houston will look at OLB in the NFL because he doesn't drop that well into coverage, but at #22 he has to get serious consideration from the Chiefs because of his ability to rush the passer, even if he isn't very natural at dropping back into coverage. The Chiefs have the start to a pretty good defense with a couple solid DE's in Dorsey and Jackson, Derrick Johnson playing well in the middle and Eric Berry continuing to be impressive in the secondary. Grabbing a pass rusher seems like a logical next step, and there aren't a lot of better pass rushers available than Houston at this point.
23rd– Indianapolis- Drake Nevis, DT, LSU- The Colts definitely need help up the middle of their defense and I am really high on Nevis. He is extremely disruptive up the middle for LSU, he gets off the ball quickly, splits double teams well, can bull rush his man to collapse the pocket and should really help solidify the Colts interior of the defensive line when he is ready to contribute.
24th– New York Giants- Dont'a Hightower, ILB, Alabama- The Giants could use a stud ILB and even though I wonder how good Hightower is in coverage I think he could be a good fit for the Giants. The Giants more than anything preach getting after the passer and Hightower is a very good ILB prospect but on some passing downs he lines up at DE when Alabama has four down lineman to rush the passer. If he can do that in the NFL, which I imagine with some development he could, he could give the Giants a quality ILB who could drop down and rush the passer with his hand down if they wanted him to. That seems like something the Giants would probably be interested in.
25th– New Orleans- Bruce Carter, OLB, North Carolina- I thought Carter would go earlier than this because he would test well and look good in drills but because of his surgery that is all up in the air so the last 1st is probably where he will end up going if/when he recovers from his surgery. The Saints probably shouldn't complain though, especially since they have had good luck with linebackers coming off of injury (Jonathan Vilma). Carter would give the Saints a very athletic OLB as well as a potential special teams ace because of how well he pressures punts.
26th– New York Jets- Ryan Kerrigan, DE/OLB, Purdue- The Jets could use a DE here and an OLB because Jason Taylor is getting old, but there is no such 3-4 DE available that I think is worth this pick, and there isn't a NT worth this pick either (Jerrell Powe is an option but I don't think he is worth a late 1st). So OLB figures to be the pick and Kerrigan doesn't project perfectly to the 3-4 in my opinion but some people think he would be fine at the position apparently. I will have to wait to see it before I believe it, but he definitely has the quickness off the ball to get after the passer from the OLB position in a 3-4. And more than anything that is what the Jets need from their OLB's in that defense.
27th– Chicago- Derrick Sherrod, OT, Mississippi State- Sherrod might not be the ideal LT that Bears fans want, but I think he is the best offensive lineman in this class and more than anything the Bears just need talented offensive linemen so they can start to rebuild one of the worst units in the NFL. Sherrod could play LT or RT so depending on whether or not Chris Williams can offer anything at either spot Sherrod could slide into either spot and provide some reliability as a run blocker and as a pass blocker. He might struggle with some of the elite speed rushers at LT, but Frank Omiyale struggles with any above-average pass rusher there already regardless of speed, so Sherrod would at worst be a step in the right direction.
28th– Baltimore- Brandon Harris, CB, Miami- The Ravens need help at CB very badly because what talent they have there will hit the free agent market this offseason with the exception of Dominique Foxworth who has been out with an injury this season. The Ravens, as much as any team in the NFL, seem to hit it big when they pull talent from Miami's talent pool (Ray Lewis and Ed Reed being prime examples. I'm sure there are more) so if they like Harris' game and see him available late in round one at a position of serious need then I think they could go back to that same well once again.
29th– Pittsburgh- Gabe Carimi, OT, Wisconsin- The Steelers really need an upgrade at RT and Carimi should fit in perfectly to the Steelers scheme that relies on push in the run game. Carimi could probably be a solid LT in the NFL, which gives him added value as a potential back-up at that position in my opinion, but I think he will at worst have a long, solid career at RT. If he can get coached up a bit he could very well have pro-bowl potential.
30th– Philadelphia- Aaron Williams, CB, Texas- The Eagles have a good corner in Asante Samuel but opposite him they have a lot of question marks. Ellis Hobbs was injured for the season again and his career may be over because of it, and no one has played well at all in replacing him. His replacement, Peterson, got absolutely owned this past weekend by the Giants. He gave up the first three of Manning's passing touchdowns if I'm not mistaken. That's a pretty bad game. So, the Eagles could use help opposite Samuels. Williams is a playmaker at corner which the Eagles obviously like and while he hasn't quite had the season some expected him to have it's safe to say no one on Texas did. He still has a lot of ability and athletic potential, plus with the Eagles pass rush and ability to apply pressure he could be in position for a lot of turnovers.
31st– Atlanta- J.J. Watt, DE, Wisconsin- The Falcons don't have a lot of serious needs but one thing they do need to improve is their pass rush. John Abraham won't be able to play at this level for much longer, and his back-up Lawrence Sidbury has contributed next to nothing this season, and hasn't even been active for the majority of the games. That's not exactly a vote of confidence, and as much as I'd like Sidbury to be the future stud pass rusher the Falcons need at RE it's just not a sensible conclusion to come to at this point. Kroy Biermann has played better than I ever expected him to when he was drafted in the 5th round, but I am not sure he is the answer at LE for us in the long term. I love watching J.J. Watt play and I think his passion for the game and his non-stop motor makes him a perfect fit on the Falcons. He might not be a 10+ sack guy at LE, but I think he will be good versus the run and get 6+ sacks for us.
32nd– New England- Cameron Jordan, DE, California- The Patriots are the masters of getting great bang for their buck and they did it again last year when they got Devin McCourty late in round one and he has been one of the best rookie corners in this draft class thus far. Jordan is a quality DE and I think he projects pretty well to the 3-4. I honestly expected him to come off the board earlier than this, but somehow he fell and the Patriots, as they probably will be on draft day no matter how it turns out, will benefit from it.
Hopefully you enjoyed my new mock draft! Please leave comments! Thanks for reading!


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Police protest draws handful of supporters
Editor's note: Ty Robben received a deferred sentence in relation to his no contest plea. If he complies with court orders for a year, the charge will be dropped, according to prosecutors.A man who is upset about South Lake Tahoe Police Department's handling of an incident involving bounty hunters at a Sierra Tract home protested alleged police corruption Monday.Todd "Ty" Robben unfurled oversized crime-scene tape and posted numerous signs on Al Tahoe Boulevard Monday afternoon alleging malfeasance by police.Robben is angered by the department's response to an October incident in which he says Nevada bounty hunters illegally entered his Pinter Avenue house to serve a misdemeanor contempt of court warrant out of Nevada without the required documentation from California. He said he was shocked with a Taser during the incident, but escaped what he considers an attempted kidnapping by the bounty hunters."What I'm saying is justice delayed is justice denied," Robben said at the start of Monday's demonstration. "They're not giving me a straight answer on the delay."South Lake Tahoe Police Chief Brian Uhler was surprised by the protest, saying he has been in contact with Robben regarding the status of the investigation as recently as Friday.The department has made "steady progress" on the investigation of the bounty hunters' behavior, Uhler said. He questioned the need for urgency on the incident because it does not present an ongoing threat to public safety.The police chief also questioned the use of language on some of the protest signs that could be offensive to some and said Robben was pushing the envelope regarding the city's sign ordinances. He said the department supports people's constitutional rights to free speech and didn't want to make a big deal about the possible infractions.Police have submitted information on the October incident to the El Dorado County District Attorney's Office, Uhler said. Whether or not criminal charges will arise form the incident is unknown. The District Attorney's Office sent the investigation of the incident back to police in December for further information gathering last month. Assistant District Attorney Hans Uthe said on Tuesday afternoon that documentation of the incident was re-submitted to prosecutors about 10 a.m. Monday. Despite the signs alleging corruption, Robben said he doesn't feel that most police are corrupt, but said that it is up to them to prove they are not. He said he hoped the protest would bring exposure to people with similar complaints."This is what we can do as citizens," Robben said, describing himself as a patriot.Three people were at the protest when it started around noon. Several people stopped by to inquire about the reasons for the signs.Fliers advertising the protest included a picture of recently arrested South Lake Tahoe police officer Johnny Poland. Robben said the protest was planned prior to Poland's arrest.This is not the first time Robben has used protests to draw attention to alleged corruption by government officials.Robben organized similar protests in front of the Nevada Attorney General's Office in April, alleging the Carson City Court Clerk's Office manipulated transcripts and improperly allowed the Nevada Attorney General's Office to file court documents late in his fight to be reinstated to a job with the Nevada Department of Taxation, according to an article in the Nevada Appeal.In September 2009 Robben filed a lawsuit alleging he was the victim of discrimination and was demoted after bringing complaints to managers.Robben was arrested in Carson City in August on misdemeanor counts of assault and breach of peace for an incident in which he says he was legally attempting to serve a subpoena on Nevada Department of Transportation Director Susan Martinovich earlier in the month, according to the article.Robben said that Martinovich ran over his toe with a car while he was attempting to serve the subpoena, the Appeal reported. Martinovich has said she felt threatened during the incident and was later granted a restraining order against Robben.Prosecutors said Robben pleaded no contest to a disorderly conduct charge to settle the case in November, according to a subsequent Nevada Appeal article.— The Associated Press contributed to this story.
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This Is A Trip: Deitra Hicks (Actress From Tyler Perry's Madea's Family Reunion) On Divorce Court! (Singing To Deal With Anger Issues)
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Art Sleuth Starts DNA Tests on Possible Skeleton of the Real Mona Lisa
Italian art sleuth Silvano Vinceti announced the start of DNA tests on a skeleton that could be the remains of Lisa Gherardini, the Florentine noblewoman widely believed to the model for Leonardo da Vinci's Mona Lisa.
If the skeleton turns out to belong to Gherardini, Vinceti plans to build a computer-generated reconstruction of her face, which could shed new light on the age-old fascination with the world's most famous painting.
The DNA test seeks to link a skeleton found in the Sant'Orsola convent in Florence with bones of Lisa Gherardini's relatives buried in a chapel in the Basilica Santissima Annuziata, a short walk away from Florence's multi-colored Duomo. The results should be ready in May or June, Vinceti said on Friday.


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NEWRY, Maine — Skiers stripped down to shorts and bikini tops to keep cool Wednesday as they got in a few final sun-drenched, slushy runs, bidding what could be an early goodbye to a season that has disappointed all around.
An unprecedented spell of record temperatures soaring into the 80s had New England skiers dodging dirt patches and exposed rocks as melting snow spelled potentially millions in losses for those who make their living off winter tourism and sports.
"It's like 'swinter' — summer and winter combined," said 15-year-old Allie Ward, who wore only a bikini and boots during a break from skiing at Sunday River. She was joined by a sunburned friend, both of North Shore in Canada's Prince Edward Island.
A year after ski resorts reported a record 60.5 million visits, the season opened last year with early snow and high expectations. But optimism was short-lived as Christmas arrived with little or none in many parts of the country. And the trend carried through the winter, with a few notable exceptions, like parts of Alaska.
In Maine, only three of 22 ski areas were open Wednesday. Sugarloaf, the state's tallest ski mountain, tried to put a good face on the warm temperatures, tweeting this week about sun-drenched "slushy goodness" on its slopes.
Colorado Ski Country USA estimated that the number of visits at its resorts in the nation's biggest skiing state is down 7.4 percent so far this season, spokeswoman Jennifer Rudolph said Wednesday from Denver.
That represents losses of millions of dollars in revenue for ski resorts, retail stores and hotels. Cross-country skiing and snowmobiling also suffered.
In the end, the December-to-February period was the fourth-warmest in the continental U.S., and was one of the three warmest on record from Washington, D.C., to Caribou, Maine, said Jessica Rennells, of the Northeast Regional Climate Center at Cornell University in Ithaca, N.Y.
This week, the warmth reached epic proportions.
In Bangor in central Maine, the temperature surged to 83 degrees on Wednesday, smashing the old record of 64. In neighboring New Hampshire, the capital, Concord, enjoyed a summerlike spell the likes of which has never been seen in 144 years of record-keeping.
"There's only five days in March where the record was 80 or higher in Concord. And we're going to do that five times in a row this week. That's unprecedented," said John Cannon of the National Weather Service.
In Seattle, Larry Waldman said he'd been skiing at Smuggler's Notch in Vermont since he was 6 years old. He had already bought his plane tickets for a time-share next week and acknowledged it would be too expensive to cancel.
"It is what it is. There's nothing you can do about the weather. You just roll with it," he said. "It's just a pain in the butt."
Skiers have to be wary because of the changing conditions. "The biggest challenge is there's a lot of dirt and exposed rocks. You have to pick your way down the mountain and avoid the obstacles," Kevin Gray of Eliot, Maine, said after skiing a few runs at Sunday River.
To the west, some resorts are in better shape, thanks to some late-season snowfall in Utah and California's Sierra Nevada, allowing them to stay open longer.
In the Northeast, larger resorts like Maine's Sunday River and Sugarloaf and Vermont's Killington usually stay open well into April, and sometimes even May. And they remain optimistic that they can hold out for several more weeks, pointing to a cooler forecast this weekend that gives a glimmer of hope that the little snow that's left won't melt.
"I don't know that any one of us have seen a week of 70- to 80-degree heat in March, but I wouldn't say it's a killer," said Sugarloaf spokesman Ethan Austin. "We're definitely not packing it in yet."
On Wednesday, 15-year-old Sydney Warren said she was grateful that she and her friend, Allie Ward, brought swimsuits for their weeklong ski vacation, thinking they'd be used for the resort's swimming pool. But she needed some sunscreen, as well.
"I didn't think I'd be in a swimsuit out here. But I'm glad I can be," she said, sporting a sunburn on her face and shoulders. "I'm burned to a crisp."
Associated Press writer David Sharp in Portland, Maine, contributed to his report.


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January 2007
Advances in information and communication technology (ICT) have greatly contributed to productivity increases in advanced countries over the past decade, but the recent decrease in the rate of growth, especially in non-manufacturing industries, suggests that ICT's impact may have peaked. Slower productivity gains in advanced European nations have eroded their positions relative to the United States. Recent data suggest that large productivity gains in emerging economies may not be sustainable.


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A trucking accident occurs when large trucks (10,000+ lbs.) collide with other vehicles or pedestrians. Around 500,000 trucking accidents occur every year in the United States. Of these, approximately 5,000 trucking accidents result in fatalities. In fact, one out of every eight traffic fatalities involves a trucking accident.
Riding a motorcycle poses serious risks-without the physical protection cars offer. Motorcyclists are more susceptible to serious injury posed by other drivers, defective roadway design, harsh weather conditions, and product defects. Victims may sustain broken limbs, road rash, traumatic brain injuries, and other harm, including death.
Pedestrians rights in Illinois require that drivers stop for them at all crosswalks. Even still, careless drivers continue to hit people crossing or walking along Chicago streets, causing serious injury and death.
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Project X Zone is a game that combines many of Capcom, Sega, and Namco-Bandai's most famous franchises into one mega crossover—including series like Street Fighter, Valkyria Chronicles 3, and Tekken, among many others.
On the battle map, it's like most strategy games. On your turn, you move your characters around a grid-based map and attack the enemy forces. As always in tactical RPGs, unit placement is key and strategy paramount. By placing your units adjacent to each other, you are able to gain an extra team-up attack in battle, for example, but this also leaves you open to area-of-effect enemy counter-attacks.
In actual battle, however, it plays like its predecessor, Namco x Capcom. Instead of using a standard turn-based battle system, you control your characters in real time for a period of about fifteen seconds (three or four attacks). During this time, you attempt to chain your different normal and team-up attacks into combos for maximum damage—making it far more fast-paced than your average strategy RPG.
To see the game in action, check out the video above.
Project X Zone was released on October 11, 2012, for the Nintendo 3DS in Japan. There are currently no plans for an international release.


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Years ago I took a photo workshop with Arthur at the Santa Fe Photo Workshops. It was worth every penny and every moment. Arthur is a intuitive teacher. Arthur's book and theme is -The Color of Light-. The 113 photographs in Arthur's book reflect who Arthur is as a person. Arthur is a kind, gentle and patient man.
There is a full page of an Ernst Haas quote in Arthur's book that ends with; "To see or not to see-that is an answer." For Arthur and most great photographers this is a much more important question and answer than what is the best camera to buy… this week.
My personal experience with "To see or not to see-that is an answer." is my willingness to make the commitment and carve out a piece of my life to use my eyes and time to create my vision of what I see. If I carry a camera with me, and am willing to get out of my own head and look at what is going on around me, that is the start. Arthur taught me that. Jay did too but they are joined at the hip. I was double teamed. I didn't have a chance. Lucky for me.
Arthur's Color of Light provide answers using exquisite images that impart examples, inspiration and a frame of reference about the nuance of light, shadow, color and how to see in more than one dimension. Not all the images make my hair stand on end. Some I just enjoy looking at. Some make me laugh at what Arthur saw (that I would not) and almost all inspire me to get out of this pain in the ass desk chair, grab my camera and go for a walk or trip or anything to get out of my head.
Arthur offers photo workshops and mentoring.
I want to thank Arthur for the images that give me a feeling of calm and the ones I need to look at until I see and understand them. In the end… it's a fun book.
Thanks Arthur for being who you are and sharing your visions with us. The Color of Light is a wonderful book and a solid stepping stone to becoming a better photographer.


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CEO's of the worlds cruise lines announced their cooperation with a newly empowered regulatory agency.
"Maritime law and international waters have made a regulatory agency nearly impossible to form. That is why the top cruise lines have agreed to give our full cooperation to a single mutually agreed upon entity. From now on customers of Sweetheart, BigTop and Highness cruise lines can check with online review sites" said BigTop cruise lines CEO and Ringmaster Mark Borello. "Before booking your next vacation feel free to check our ratings online."
Many consumers have already celebrated the new system of regulatory oversight and written reviews, often times even awarding stars after their experiences.
One customer we spoke to said "Well this is great its really going to address the issues of cruise-ship management. And that's a relief! You cant just get a giant city sized ship and sail around the world.. with other people! My god what kind of a thing to do is that?"
The most popular review reads: "Sweetheart cruise lines made my dream vacation come true. This was a great experience! Easy passage from my home-port and no nosy security team, made this trip much more affordable than a divorce in my home country." writes Wesley Chapel, a convicted murderer with a 5 star reviewer rating.


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Yule slice
Nutrition and extra info
- Freezable
- Dairy-free
Nutrition: per serving
- kcal322
- fat16g
- saturates2g
- carbs41g
- sugars36g
- fibre3g
- protein7g
- salt0.15g
- 200g walnut halves
Walnuts are one of the most popular and versatile of all nuts. When picked young, they're…
- 100g hazelnut
Grown in Europe and the US, hazelnuts are encased in a smooth, hard brown shell but are most…
- 50g blanched almond
- 200g raisin
- 100g pitted date, chopped
Dates are one of the oldest cultivated fruits - it's thought that they were a staple part of…
- 200g dried apricot, chopped
- 140g glacé cherry or pineapple
- 100g plain flour
- 2 tsp mixed spice
- ½ tsp baking powder
Baking powderbay-king pow-dah
Baking powder is a raising agent that is commonly used in cake-making. It is made from an alkali…
- 175g dark muscovado sugar
- 3 eggs
The ultimate convenience food, eggs are powerhouses of nutrition packed with protein and a…
- 1 tsp vanilla extract
- icing sugar, for dusting
Heat oven to 150C/fan 130C/gas 2. Line the base and sides of a 1.5-litre loaf tin (a long thin one is best) with baking parchment. Mix the nuts and dried fruit thoroughly in a large bowl using your hands. Sift in the flour, spice and baking powder, then add the sugar and mix everything well. Beat the eggs with the vanilla, then add to the dry mix, turning everything together well until there is no dry mix visible.
Turn into the prepared tin and smooth the top. Bake for 1½-1¾ hrs, then cool in the tin for 15 mins. Turn out, peel off the paper and cool on a wire rack. Dust the top thickly with icing sugar, to serve.
Recipe Tip
Mary says...I devised this recipe when I discovered I had to give up butter, cheese and fatty meats for health reasons – a bit of a blow when you live in France. I love cake of all kinds, particularly at Christmas, so I am delighted to be able to eat this and I hope you will enjoy it, too. It will keep wrapped tightly in foil for up to 2 weeks.


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Not sure how that would play out, but it would make an interesting law review article. And a fun oral argument.I'm pretty sure how it would play out. The courts would apply the political question doctrine and say that Article IV, Section 4 is a "textually demonstrable commitment" of the question to Congress and the Executive. It is for them and not the courts to say what constitutes an "invasion" and what protection is warranted. Even though it would not be a lawsuit against the federal government, attempting to get a court to compel it to act — it would only be a justification of the state's acting in its own defense — the courts would refuse to interpret and apply that provision of the Constitution.
UPDATE: Glenn fights back on the political question doctrine. He connects Article IV, Section 4 to Article I Sec. 10. ("No State shall... engage in War, unless actually invaded, or in such imminent Danger as will not admit of delay.")
Arizona is not — yet, anyway — engaging in war, but it's clear from this language that it's constitutionally empowered to do so when invaded, even if the federal government does nothing (and perhaps even in the face of federal objection). Arizona's legislation is passed in response to armed people coming across the border and killing Arizonans, which sounds rather like an invasion. If that's the case, then lesser responses to invasion are, arguably, permissible as well in the face of federal inaction. What the courts will do with this is, of course, uncertain (and likely not tied very closely to the actual text of the Constitution!) but it's certainly not a frivolous argument.An immediate military response to a sudden invasion that "will not admit of delay" is clearly distinguishable from the long influx of migrants to which the state has responded with a stringent policy of requiring and checking papers and deporting people. Arizona has adopted its own immigration policy, because it doesn't like the policy the federal government is following. But the federal government has complete power over immigration. This "invasion" concept is offered as a work-around to that power.
I think that if the Arizona policy were challenged and Arizona argued it had suffered an invasion that the feds wouldn't deflect, that the courts would say: It's not for us to decide what constitutes an "invasion." Congress and the Executive have already made their decision about that, and the Constitution makes that the final answer. As they say in political question doctrine talk, there's "the impossibility of a court's undertaking independent resolution without expressing lack of the respect due coordinate branches of government... an unusual need for unquestioning adherence to a political decision already made... [and] the potentiality of embarrassment from multifarious pronouncements by various departments on one question."
At that point, the court would be back at the original barrier to the state's law: the exclusive federal power over immigration.


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For all scheduled and unscheduled product returns of your devices to STAUFF (e.g. for calibration or repair),
you are able to tremendously reduce the processing times by using one of the following return form sheets.
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