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Fair Trade certified beverages grow in popularity, finds Beverage Industry's Editor-in-Chief Elizabeth Fuhrman. Fair Trade USA, a third-party certifier of Fair Trade products in the United States previously known as TransFair USA, released a number of announcements to coincide with Natural Products Expo East in Boston last month.
AVAILABLE ON DEMAND SQF 2000, FSMA, ISO 22000/PAS220 and other standards continue to gain traction in an attempt to create safer foods and beverages.
The June 2013 Beverage Industry includes a cover story on Tenth and Blake Beer Co., as well as articles about MillerCoors and the Top 100 beverage companies of 2012. Check it out today!
Are you an Insider? Subscribe to Beverage Industry's weekly e-newsletter to receive news headlines, new product information and magazine highlights.
This book addresses the principles of cleaning operations, water supply issues and the science of detergents and disinfectants.


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Client Files: Blow by Blow Salon
I had the pleasure of working with Chicago's newest blow dry bar, Blow by Blow, styling a fun photo shoot for their website {designed by a favorite of mine, Hanna of Gadabout Creative}. Katie, the owner, has adorable style and her salon is decked in pretty pops of orange and pink on a clean white backdrop. Her vision for the shoot was Kate Spade meets Glitter Guide, so you can image how much fun it was to play around with lettered balloons, champagne, pretty pumps and sparkly baubles. You may have seen a sneak peek on my instagram, but below are a few fun shots from the shoot.
left to right: Kate Spade Dotted Pumps // J.Crew Etta Pumps // J.Crew Glitter Pumps // J.Crew Mirrored Pumps
I still kick myself for not purchasing this skirt.
If you live in Chicago, I highly recommend stopping in and trying out Blow by Blow! Think overflowing glasses of champagne, fun hairstyles {so many to choose from}, a makeup bar, your favorite movies, nightly specials and adorable stylists. Exactly what this city needed! And, if you're interested in my services, send me an email and we can chat. I'd love to work with you!
Oh, and Happy Valentine's Day! xo
{all photos taken by me for Sequins & Stripes}
27 comments:
can't wait to see the final project!
xo the egg out west.want those Etta pumps & that necklace! What a fun shoot
XO, Stefanie
Life on the SquaresAll of the looks in this shoot are perfection! Those shoes... I die!
Chelsea & The City
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An early 20th century Arts and Crafts marquetry inlaid mahogany hall wardrobe by Shapland & Petters.
This wonderful quality wardrobe has a single door with embossed hinges and key hole escutcheon and two large marquetry inlaid panels.
The door is held between two angled triple panelled sections with matching inlays and has a carved frieze running along the lower edge.
The inside has a row of eight gilded brass hooks that slide along a supporting rail and four other fixed hooks to the back of each side panel. The interior also has a long shelf above the hanging rail of hooks.
The wardrobe is in very good original condition, the polish has been sympathetically restored. (Circa 1900)
Height 205cm (80.7 inches)
Width 151cm (59.5 inches)
Depth 49.5cm (19.5 inches)
Interior Depth 37.5cm (14.8 inches)
Shipping Charges:
Shipping Charges for all our products have been reorganised to make them more item specific (JANUARY 2012).
The first category is level One shipping.
This allows for all small items, such as ceramics, glass, small clocks, boxes and small miscellaneous items.
UK Mainland FREE
UK Non-Mainland £30
International £60
The Second category is level Two shipping.
This includes all small to medium sized items that can still be shipped via a courier but are too large to be classed as small packages. For example, clocks, paintings, small tables, Canterbury's, stools etc.
UK Mainland £40
UK Non-Mainland £60
International £200
The third category is level Three shipping.
This includes all medium to large sized items that require organised haulier shipping. Items of this level are sent via haulier and often require transport personnel to lift and carry them. For example, bookcases, larger tables, screens, chests, cabinets, sideboards, mirrors, hallstands and larger clocks.
UK Mainland £90
UK Non-Mainland £150
International £500
Please Note:
If you wish to buy more than one item it would be advisable to talk to us and we will give a customised quote for shipping
We ship large containers to North Carolina USA every 8-10 weeks so US East Coast customers can benefit from vastly reduced shipping costs. Again, please contact us for specific details and shipping dates.
Dispatch Times:
Dispatch times will vary depending again on the size of the item and delivery option selected. However, a general approximation is, for smaller items that can be posted, the next working day and within one to fourteen days for larger items. Any delays or irregularities in dispatch that may occur would be relayed to you via telephone or email so that you are kept fully informed of the progress of your purchase.
Insurance cover is provided FREE OF CHARGE for all items. All items are fully insured and sent at the risk of Graham Smith Antiques ltd. Once the item arrives at its destination and has been paid for in full it is the property of the customer and considered as such by law.
Returns Policy:
Upon receipt of your purchase, you have a 14-day money back guarantee.
If for any reason you are not completely satisfied with your purchase, inform us either by email to: email@example.com,
Or by phone: +44 (0) 191 2815065
Then return the item within 14 days, in the same condition as it was originally sent, and you will receive a full refund.
Our Guarantee:
We guarantee a professional yet personal service, with prompt attention given to any genuine enquiry or purchase. It is our aim to make it as simple as possible for you to purchase quality antiques and have your items delivered or shipped to you efficiently and in the condition in which they have been described.
Item Dispatch Details:
With every item purchased you will receive a written receipt, detailing the date or circa date of manufacture, a full description of the item and the price paid. This receipt should be kept for your records and for insurance purposes.
Age / Condition Information:
All of our items are described with a 'Circa' age which means approximate. This is generally very accurate as we have a lifetime experience with antiques and have a good awareness of how old items are. However, some items have dates inscribed or stamped onto them, these items are obviously far more exact in their age and can be said to have a precise year of manufacture.
The condition of antiques is subjective, as people who have only previously bought brand new things would have a different view to those who purchase antique items regularly. However, the nature of an antique is that it has an aged look, with generally some signs of wear. Depending on the material this aging may have added to it's value somewhat, for example a deeply grained mahogany piece would be much superior colour and quality than a new mahogany item.
Our members of staff personally inspect each item that is described on the website and any imperfections of note are marked accordingly within the description. This however is open to human error and oversights may rarely occur, although goods can be returned. As previously mentioned, it is the nature of an antique item to be aged and not pristine. We aim to provide products that are a good quality example of their type whilst keeping their character and not having been 'over restored'.
We are members of both Lapada and Cinoa and follow their code of conduct to describe and age all of our products very accurately. These affiliations should give customers the security that we are approved by international associations and would never attempt to mislead customers or be dishonest about our products or services.
Part Exchanges:
We do accept part exchanges on items that were originally purchased from us, although this depends widely on current demand for that particular item. It is essential to arrange prior to purchase if you have an item you wish to exchange by email, phone or in person. The items value would then be offset against the total of the item you wish to purchase and if any amount remains from either party this must be paid before the exchange takes place.
Item Priority:
Almost every item that is displayed on the website is also displayed in our shop. This means that it is possible that a purchase conflict may occur. In the event that a purchase is made in person at the same time a purchase of the same item is made online the priority will always lie with the shop "in person" purchase. This has to be outlined in case of this event ever occurring, although please be assured that every effort is made to ensure this does not happen.
Purchasing Antiques can be a very rewarding experience as well as a sound investment. At Graham Smith Antiques we understand that our customers have their own individual needs and reasons for purchase, from furnishing a home to buying a special present for a loved one.
Graham Smith Antiques provides several purchase options to allow customers a secure environment in which to shop and the confidence to make transactions online. Below are the payment options, which we can accept, designed to be as flexible as possible for the convenience of our customers.
Types of card we accept: Visa, MasterCard, Switch, Delta, JCB card, Solo, Maestro, Visa Electron
You may call our shop between the hours of 10.00am – 5.00pm GMT, Mon- Sat, to make a payment with a credit / debit card.
Within United Kingdom: (0191) 2815065
International: tel +44 (0) 191 2815065
(Your credit card details will be taken by a member of staff and either entered directly into our credit card machine or noted down and shredded as soon as the transaction is complete.)
Pay Pal: If you do not have a Paypal account, it doesn't matter as it is not necessary and your payment will be taken like a normal credit/debit card transaction. If you do wish to open a Paypal account it only takes a few minutes and may save you time when purchasing item online in the future. Registration with Paypal is completely free and will not incur any additional costs.
(Your credit card information is fed directly to Paypal; no members of Graham Smith Antiques staff have access to your credit card information)
Cheque/ Banker's Draft:
United Kingdom drawn cheque, Traveller's cheque
Cheques must be clearly made payable to Graham Smith Antiques ltd and sent to:
Graham Smith Antiques,
83 Fern Avenue,
Newcastle Upon Tyne,
(For Banker's Draft, please see Direct Bank Transfer details below)
When paying by cheque, items will only be dispatched once the cheque has been banked and cleared. Please be aware that this method is a slightly slower payment option due to the nature of postal services and banking clearance.
Cash / Payment in person:
We do ask that customers do not send cash by post, as it can be unsafe as well as unreliable. If you wish to pay by cash then please come to the shop during opening hours of 10am – 5pm Monday through to Saturday.
We advise that you arrive accompanied by a print out of your order confirmation so that it is clear which item you are paying for. At this point you are welcome to take your goods with you or use our delivery service as offered at the checkout point of the website. (See below for delivery options information).
Direct Bank Transfer:
Transferring money directly from your bank to ours is a very quick way to pay. This option is open to all customers, although we only provide banking details to complete this procedure at the point of purchase.


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Futuretech Alert. Green Biocides
This edition of Future Tech Alert profiles appications, technology drivers, technology challenges, and recent developments in green biocides--a new class of biocides.
Click headings to expand and collapse
Published: 16 Mar 2012
Features of this research
Help Desk
For more information and general enquiries, contact Frost & Sullivan near you.
Select a location near you..


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These moist pancakes are lightly spiced for the palate of my young child. If you like a bit more pizazz, you can increase the spices or add others. Cinnamon and pumpkin pie spice both work nicely here. Submitted by ANNE_SP Carbs: 15.1g | Fat: 0.5g | Fiber: 1.9g | Protein: 3.2g | Calories: 74.3
Send this recipe collection to a friend - http://recipes.sparkpeople.com/cookbooks.asp?cookbook=348302


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my experience with graver was much like what blake p. posted in the locked thread
point taken.I don't really care what kind of guy he is or what he looks like, so long as the material he was affiliated with comes out right
I can't let this one go unanswered. I don't know who this person is, but the crowd was not like that at all.On a sidenote: I must sadly say that I was surprised to see that alot of the Welles fans in attendance look like homeless refugees, fresh from a downtown soup kitchen.
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In Northern California, East Coast transplants are producing crunchy, chewy, dense bagels on either side of the Bay. The water may not be New York's, but some argue that the bagels are as good.
Dan Graf, a genetics major who dropped out of Rutgers University, founded Baron Baking in Oakland after working in a delicatessen. Blake Joffe and Amy Remsen, transplants from Philadelphia, opened Beauty's Bagel Shop, also in Oakland, a few months ago. And a former Brooklynite, Deepa Subramanian, and three friends started Schmendricks, which has sold bagels at pop-up sites around San Francisco that recall bagels from the Bagel Hole in Brooklyn.
Graf, the son of a Bergen County, N.J., contractor, grew up accompanying
Peter Levitt, an owner of Saul's, encouraged Graf to take some time off and experiment with the recipes. Graf baked in his tiny apartment until he took a batch to a community meeting at Bar Dogwood in downtown Oakland and impressed the owner enough to be
When he took some bagels to Saul's, his former boss was delighted. "They have a shiny crust like a real bagel," Levitt said, flicking his finger against one to show the blistering and cracking.
Saul's became Graf's first commercial account.
There are all kinds of bagels; Graf's has a chewy bite and an almost pretzel-like crust.
He starts with a high gluten organic flour from Central Milling Co., mixing a poolish, or starter, of yeast, flour and water, which he lets sit for about 10 hours.
"To the poolish I add flour, more yeast, salt and diastatic malt that provides enzymes that help break down the carbohydrates in the flour to give it a sweeter taste and add natural sugar that the yeast can use," he said.
After forming the bagels (an art in itself, as he stretches the dough before cutting and shaping it into 3-ounce, 3½ -inch rounds), he refrigerates them for 18 to 24 hours.
"The long retardation is essential so the bacteria in the dough can grow," he said. "The bagel has a crispy crust because of the longer fermentation time."
Graf boils his bagels in a lye water sodium hydroxide solution, which makes the outside sticky, allowing toppings to adhere better. (For the home cook, the accompanying recipe skips the lye and the fancy dough-pulling; the bagels are still great.) Rather than adding honey or malt to the water, which some purists think is the secret to a good bagel, Graf boils his bagels in heavily salted water.
The result: perfectly seasoned, brown, crusty, chewy bagels.


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Saturday, 18/05Saturday 18/05/13 19:17 by Soodi
EuropeVAC strikes back: A good day for CS players!The news about a big strike against cheats courtesy of Valve Anti Cheat spread quickly through the scene. Even though there is no official statement so far, the discussions alone combined with statements from cheat developers will have an impact on cheaters. No one really knows at this point which cheats are detected and which aren't. Players should rejoice, the free CS:GO weekend is off to a splendid start. Time to continue it with some nice ESL action in cups, VERSUS and A-Series.
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Littlearth San Jose Sharks Hoodie Tote Bag
Item no: 10932806 Price: $44.99
AVAILABILITY: In stock, leaves warehouse in 5 - 7 full bus. days. - (Details)
Standard Ground Service Available (normally $7.29) - (Details)
Note: Shipping restrictions may apply.
Remember, no sales tax except in FL, IL, KY, NY, OH, PA and TX.
Product Information
Step out in style with this Little Earth® NHL® hoodie tote. It offers the authentic feel of sweatshirt material and is decorated with the team logo. A front kangaroo pocket and two internal patch pockets provide storage, while frayed accents and tied drawstrings round out the bag's classic look. The sturdy magnetic closure is sure to keep your belongings secure.
Product Features
Features- Sweatshirt-style hoodie tote
- Front kangaroo pocket
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- Frayed accents
- Tied drawstrings
- Sturdy magnetic closure for security
- Team logo adorns the front
- Dimensions: W 24.5" x H 15.25" x D 7"
- Officially licensed
- Made in China


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Politics Blog: Salmond has Labour in a zugzwang Christopher McLean, Senior Research Executive 28 October 2011 Christopher Mclean asks, should the Scottish Labour Party campaign for devolution max in an attempt to with the Scottish electorate, or oppose the SNP and independence outright? Comments 6
In need of a paddle: the challenges facing Willie Rennie and the Scottish Liberal Democrats Christopher McLean, Senior Research Executive 7 October 2011 Ahead of the Scottish Liberal Democrat annual conference, Christopher McLean says it is clear that there are a number of key challenges facing its new leader Willie Rennie. Comments 0


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Valentine's Day is here. If you're single, you will likely find yourself assessing and reassessing your love life. Your Instagram feed full of perfectly filtered photos of roses, chocolates and TMI kisses will be a constant reminder that you are not in love and not in a relationship.
Meanwhile, an endless string of engagement announcements on Facebook might lead you to question your singlehood and wonder what you have been doing wrong. You might even find yourself vowing to find a significant other by next year's Valentine's so that you can be the one tweeting about finding that perfect gift.
But how? Should you follow the old-fashioned pathway to love? Put on a little black dress, hit the town and hope that someone invites you to dinner and a movie? Recreate your parents' courtship?
No. Because it's 2013, and traditional dating as we know it is dead.
When I traveled across the United States a few years ago, I interviewed more than 100 men, women and couples about their love lives in cities big and small. My mission was to figure out what connection, romance and love actually looks like in today's day and age.
What I found was that we're living in a post-dating world.
The happy couples I talked to had not met and immediately started dating. Instead, they connected in more natural -- and yes, ambiguous -- settings. They played on the same volleyball team or were co-workers on a political campaign. Or they hung out in the same social group or were friends for years before getting intimately involved or got intimately involved right off the bat with no initial relationship plans. Or they met each other while living in different parts of the country and got to know each other via Facebook or Gchat before committing to full-on romances.
Instead of going on explicit dates, they had tested the romantic waters, moved in and out of gray areas, and used technology to explore the various aspects of their connection before putting labels or expectations on their relationship.
This romantic ambiguity was also reflected in my conversations with people who were single. Asked to define their romantic status, they gave me answers like, "Well, it's sort of up in the air ..." and "It's really complicated! How much time do you have?" and "I would define it as, hmm, dating? Ish? Dating-ish?"
Single people weren't dating, and young couples who had fallen in love hadn't gotten to that point through dating.


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In an unprecedented move, a bill was introduced to the Wisconsin State Senate and Assembly to benefit drunk drivers at the expense of Wisconsin workers with health insuruance.
The bills, 2013 SB 22 and AB 29, seek to overturn an over 100 year old Wisconsin law known as the Collateral Source Rule. The Collateral Source Rule requires those who injure another, whether through an auto accident, drunk driving, texting while driving, failing to move to the left for a police officer, etc., to pay the full cost of the injured person's medical bills. The Collateral Source Rule has been in effect in Wisconsin for over 100 years and has been upheld by every sitting Wisconsin Supreme Court justice.
A handful of Wisconsin Legislatures (Representatives Jacque, Bies, Craig, Czaja, Kestell, Kuglitsch, Larson, Murphy, Sanfelippo, Spiros, Thiesfeldt, Weatherston, Ripp and Marklein; cosponsored by Senators Farrow and Grothmam) want to overturn this law to allow those who injure another to argue that they are not responsible for the full cost of the injured person's medical bills, but rather only the amount paid by the injured person's health insurance.
Here is how the current law works and the proposed change. John Doe works on the assembly line at a local company. Through his employer, John pays tens of thousands of dollars over the years for health insurance. John leaves work to head home. Jack Smith is drunk and texting while driving and blows a red light injuring John. John incurs $10,000 in medical bills. John sends the bills to his health insurance company and, because of the health insurance premiums John has paid over the years, John's health insurance pays $7,000. Under the current law, Jack and his insurance company are responsible for the full amount of John's medical bills ($10,000) without regard to what John's health insurance paid. The reason for this, a reason cited for over 100 years by the Wisconsin Supreme Court, is that Jack does not get to benefit from John's foresight in buying health insurance. Under the proposed bill, Jack and his insurance company would get to argue that John is not entitled to the full amount billed by the health care providers ($10,000) but rather is entitled to only what John's health insurance company paid ($7,000). Under this proposed law, Jack reaps the benefit of John working to pay for health insurance.
In summary, the new law penalizes workers such as John and benefits drunk drivers such as Jack. If you disagree with this proposed bill, call or write your State legislature to say no to 2013 SB 22 and 2013 AB 29.
11:42 pm on Monday, February 25, 2013
SB 22 does not mention drunk drivers. What is your angle on this?
Kevin R Martin
12:00 am on Tuesday, February 26, 2013
The bill does not exclude drunk drivers, those texting while driving, etc. The point is that the bill penalizes workers with health insurance to the benefit of the person who caused the injury. Should the person who caused the injury get to reap the benefit of the injured person's foresight and hard work to buy health insurance?
12:02 pm on Tuesday, February 26, 2013
So since the bill does not exclude drunk drivers, The Bill was "Introduced to Benefit Drunk Drivers"? That is a leap that borders on an outright lie.
The term "workers" is a stretch also, the bill does not require the person be employed. Does it?
I think the real benefit that you are concerned about is the one reaped by the lawyers. The "person's foresight and hard work to buy health insurance" did exactly what it was intended for, it covered the persons injuries. The person should have placed a wager with a bookie, if that person wanted to profit from an injury.
11:54 pm on Monday, February 25, 2013
It seems that this bill will somewhat limit personal injury claims. Personal injury lawyers could see their honey pot shrink if this bill is passed. The bill has just as much to do with slipping on a sidewalk as it does drunk driving. Massive personal injury claims benefit the lawyers and hurt the general public. Don't be fooled by a silver tongued devil, do your own research.
Kevin R Martin
12:37 am on Tuesday, February 26, 2013
My tongue is not silver and I'm Catholic. I agree people should do their own research. A good place to start is Orlowski v State Farm. In that case last year, the Wisconsin Supreme Court unanimously upheld the sound public policy of the law some legislatures seek to abolish.
12:17 pm on Tuesday, February 26, 2013
Was Orlowski injured by a drunk driver?
A law being 100 years old does not make it "sound public policy", nor does the fact that the Wisconsin Supreme Court upheld it make it sound. The awards in question are paid for through insurance premiums that we all pay. It is not just health insurance, it is home owners, automobile, business, umbrella and most other insurance premiums that cover these awards.
The silver tongued devil just meant that you have or are exhibiting the power of fluent and persuasive speech, but that you are trying to tempt us with something that is not right.
Kevin R Martin
4:56 pm on Tuesday, February 26, 2013
Greg - Thank you for your constructive comments and dialogue.
You are right that just because something is old does not make it good. However, there is something to be said when all Wisconsin supreme court justices, conservative and liberal, have upheld the law because it is good policy.
My clients do not receive an "award." Awards are for kindergartners. My clients receive back what they have lost. This includes their medical bills.
To address the issue of liability insurance premiums, there is absolutely no evidence that liability insurance premiums are effected by this rule. No liability insurance carrier has said that premiums will decrease if this rule is changed. One reason the proponents of changing this rule have cited is that changing the rule will put us in line with Indiana, Minnesota and Ohio. The average auto insurance policy premium for those three states is $65.89 higher than Wisconsin.
With regard to the silver tongue, I knew what you meant. However, I am not tempting anyone with something that is not right. These bills will benefit those who injure another at the expense of someone who had the foresight to buy health insurance.
8:57 pm on Tuesday, February 26, 2013
a·ward (-wôrd)
tr.v. a·ward·ed, a·ward·ing, a·wards
To give as legally due: awarded damages to the plaintiff.
A decision, such as one made by a judge or arbitrator.
It may not be good for business to tell everyone that your clients don't get awards.
Insurance companies don't want to decrease insurance premiums and consumers do have to pay for the awards/settlements through higher premiums.
Was Orlowski injured by a drunk driver? Still waiting.
"These bills will benefit those who injure another at the expense of someone who had the foresight to buy health insurance." How? The person that bought health insurance still gets the medical bills paid for. Do you think that the medical payments should be punative? I thought that was what punitive damages were for. Your statement "My clients receive back what they have lost. This includes their medical bills" states exactly what this bill would do and there is no further "expense".
The "tempt(ing)" would relate to the devil portion of the comment, the silver tongue is just your tool.
Kevin R Martin
11:14 pm on Tuesday, February 26, 2013
Greg, you're right that insurance companies do not want to decrease premiums, but saying that premiums are higher without this bill is wrong. This law has been in effect for over 100 years and changing it will not change premiums.
Sorry that I forgot to answer your question about Orlowski. Neither the appellate nor supreme court decisions state whether the defendant was drunk. My reference to Orlowski is that the supreme court upheld the current law just last summer. If you are looking for a decision that upholds the current law and the driver was drunk, that would be Ellsworth published in 1999.
The bill does benefit those who injure someone at the expense of those who bought health insurance. I have paid tens of thousands of dollars in health insurance premiums over the years. One benefit of those premiums is, as we all know, that my health insurer will enter into an agreement to pay an amount less than what was charged. I paid a lot of money for that. The person who injured me should not get the benefit of what I paid for.
Medical bills are not punitive, they are compensatory. But, again, the negligent person does not get the benefit of what the injured person pays for.
Under this proposed law, my clients would receive less than what they lost. My clients only get back part of their medical bills.
12:03 am on Wednesday, February 27, 2013
"Under this proposed law, my clients would receive less than what they lost. My clients only get back part of their medical bills."
Where does it say that? They will get back the amount paid for medical expenses, the amount billed is unrelated to the amount paid. The amount a hospital bills, the amount that insurance pays and the amount uninsured pay are three different numbers. You don't like this bill because you want to get paid off of the highest of the three.
I don't blame you for that want, but don't try to hide the facts. The consumer will pay for larger awards/settlements.
"One benefit of those premiums is, as we all know, that my health insurer will enter into an agreement to pay an amount less than what was charged. I paid a lot of money for that"
You would have paid a heck of a lot more money had they not entered into this agreement. You have health insurance to cover a variety of issues and the expense is incurred accident or not.
Kevin R Martin
12:24 am on Wednesday, February 27, 2013
Greg, I will take the crayons out to help you better understand.
Person A has health insurance and gets into an accident. The medical bills total $15,000 and his health insurance pays $8,000. Person B does not have health insurance and gets into the same accident and incurs the same medical bills.
The end point for both Person A and Person B is the same - they are both entitled to receive the reasonable value for the health care services they were provided.
Under the proposed law, the liability insurance company will argue that it only has to pay $8,000 for Person A's medical bills because that is what Person A's health insurance company paid. Under the proposed law, the liability insurance company would have to pay Person B the full $15,000 because Person B did not have any health insurance.
So you have two people in the same accident. Under this proposed law, Person A bought health insurance and the person who caused the accident only has to pay $8,000. Person B bought no health insurance and the person who caused the accident has to pay $15,000. This proposed law penalizes the person who bought health insurance and rewarded the person who had no health insurance.
12:45 am on Wednesday, February 27, 2013
Thanks Kev,
Just so I understand, person A gets billed $8k and pays $8k. A balance of $0. Person B gets billed $15k and pays $15k. Balance $0. But person A's $0 is less than person B's $0 because if person A got $15k they could pay their lawyer more. Crayons really help, I can see why people hire you.
Kevin R Martin
12:55 am on Wednesday, February 27, 2013
Come on Greg, you even screwed it up with the crayons.
Person A (who has health insurance) gets billed $15k and, under the proposed law, gets paid $8k. Person B (who does not have health insurance) gets billed $15k and, under the proposed bill, gets paid $15k. This is either a penalty for Person A who bought health insurance or a windfall for Person B who has no health insurance. This is what changing the law will cause.
Even at your pre-crayon level of development, are you really in favor of penalizing people who have bought health insurance?
1:23 am on Wednesday, February 27, 2013
So you want person A to get the $8k in medical expenses paid and to walk away with $7k in cash. I understand that perfectly. You call having all of the medical expenses paid penalizing, I call getting paid additional cash greed.
Kevin R Martin
1:38 am on Wednesday, February 27, 2013
Under Minnesota's version of the law, the defendant can argue that they only owe the victim the amount paid by the victim's health insurance company. Once that argument is made in Minnesota, the victim then gets to introduce the amount of money he paid in health insurance premiums and argue that if the defendant is going to take advantage of the victim's health insurance, then the defendant has to pay for the victim's health insurance premiums as well. Sound better? .
2:47 am on Wednesday, February 27, 2013
What if the plaintiff was on Medicaid, should the plaintiff be paid the phantom payment? The plaintiff paid nothing for the treatment.
What if the premiums are paid by an employer?
1:49 pm on Wednesday, February 27, 2013
What premiums would you expect to be paid? Since most health insurance is really a month to month proposition, would you expect the premium from the month of the accident through the end of treatment be paid? I have no problem with that, but I guess the insured should really prove that they did not use their insurance for other issues. If the injured has a family coverage, would you expect the entire premium to be paid or just the amount for single coverage? Now that the defendant paid for the coverage the benefit of the insurance is his to take, correct?
5:09 pm on Tuesday, February 26, 2013
If this law went into effect, who might ultimately become responsible for victims' medical expenses? Hm.
9:03 pm on Tuesday, February 26, 2013
The responsibility would not change. This bill just limits the medical amount to the actual amount paid for medical services.
Kevin R Martin
12:34 am on Wednesday, February 27, 2013
Under the current law, the negligent person is responsible for all the victim's medical expenses. Under the proposed bill, the negligent person is responsible for only a part of the victim's medical bills. If someone is driving drunk, or texting while driving, and injures you, do you want that person to be responsible for all of your medical bills or just some of the medical bills. The current law says all. The proposed bill says some. The proposed bill makes no sense.
12:53 am on Wednesday, February 27, 2013
It makes no sense because you don't understand it. That is not the bills fault.
Steve ®
7:47 pm on Thursday, February 28, 2013
Obamacare will take care of everyone Bren. You voted and promoted it, so now are you saying it won't?
Kevin R Martin
11:16 pm on Tuesday, February 26, 2013
AWD, thank you also for your feedback. Two things come to mind. First, why do you support the change? Second, I have my full name associated with my posts. I take full responsibility for my posts. What is your name AWD?
Steve ®
11:39 pm on Tuesday, February 26, 2013
Obamacare will pay for all medical expenses for everyone. So what's the problem?
Kevin R Martin
12:29 am on Wednesday, February 27, 2013
Obamacare does not pay for any medical expenses. Obamacare is directed at making sure everyone has some type of health insurance (whether it is private, public or mixed). Thus, Obamacare does not address this troubling legislation.
Steve ®
10:06 am on Wednesday, February 27, 2013
Sure it does. Obamacare will eventually be universal healthcare. Own it.
8:26 pm on Wednesday, February 27, 2013
The ACA will make insurance available to everyone through the exchanges. Without a preexisting condition clause, the uninsured could sign up for insurance after an accident and prior to treatment. The effect would be that there are no uninsured and the argument that the defendant benefits from the insurance would become universal. Obamacare may not address this troubling legislation, but it probably will effect it.
12:29 am on Wednesday, February 27, 2013
Life is full of choices. In the blog example the drunk driver would have benefitted if John had decided to purchase a $50k F-250 rather than a $2k Yugo. Heck, John may have not gotten any injury in the F-250. Should he be paid what the hospital would have billed had he been crushed in a Yugo? I don't think so. Jack benefits big time. Life just isn't fair.
What if John paid for a gym membership, did Jack benefit from that? The healthy diet saved thousands on the medical bills, Jack wins again.
I better stop, I may get the lawyers too excited and get sued for causing a heart attack. I hope they have insurance so I can make out big time.
Kevin R Martin
12:40 am on Wednesday, February 27, 2013
Greg, we had a good, informative dialogue going. Now you're showing your true troll colors.
12:49 am on Wednesday, February 27, 2013
Try that line in court, it's your best argument to date.
Kevin R Martin
1:05 am on Wednesday, February 27, 2013
I've been in court many, many times for countless hearings, motions, arguments, trials, and more. You should join me next time. You argue your position and I will argue my position and we will see who the judge rules for. You up for it?
jack ryan
7:03 am on Wednesday, February 27, 2013
Greg and Kevin why don't you two meet over breakfast, discuss it. You could then get back to us on the results.
8:36 am on Wednesday, February 27, 2013
@Kevin R Martin, we just had a huge debate on anonymous screen names, I don't think we want to debate that topic again. Anonymous postings are here to stay due to radical Progressives bringing physical harm to posters, their property and let's not forget workplace harassment.
9:27 am on Wednesday, February 27, 2013
@AWD. It the Right Wing Nut Jobs you're describing.
Brett Eckstein
10:50 am on Thursday, February 28, 2013
Ladies and gentlemen, I'd like you to consider the present debate in a slightly different context. It's obvious that there's a fundamental difference on measure medical expenses. But the proposed bill would allow the defendant to benefit benefit of ALL payments that an injured party receives, no matter what the source. This includes life insurance.
So, if a defendant were to kill, say, your wife, and you and your wife decided to protect your family by buying life insurance, the defendant gets to march into court and say that your total damages are reduced by the amounts you received from the life insurance. Think about that. For those that don't know, the legislature has already capped noneconomic damages at $350,000 for a spouse that is killed. This means that the value of everyone's relationship with their spouse is limited to $350,000. If you carry more than $350,000 in life insurance, the defendant will pay $0. Imagine a defendant walking into court and getting off scot-free simply because you acted responsibly in buying life insurance. That scenario is frighteningly real.
I like Kevin am a trial lawyer. And as a husband, and as a father, I choose to pay life insurance premiums to protect my family, not to benefit anyone out there that might kill either me or my spouse. Whether applied to medical expenses or any other category of damages, this bill is bad news and designed to benefit only one source: liability insurance companies.
12:03 pm on Thursday, February 28, 2013
Do I understand correctly that damages will be limited to ny amount NOT covered by insurance, which would more or less mean the deductible and the co-pay when it came to medical expenses?
A person injured or damaged through someone else's negligence does deserve to be 'made whole', whether that is physical injuries, property damage or loss of earnings/earning potential. What has the law in Wisconsin been so far on property damage -- that is someone damages your car to the tune of $5,000? Is the plaintiff entitled to the full $5,000 or just their insurance deductible?
Jay Sykes
12:41 pm on Thursday, February 28, 2013
@Bret Eckstein... When did the legislature reduce the non-economic damages by the amount of life insurance? What was the prior amount of the $350,000 Cap, if any, preceding the change to reduce non-economic damages due to life insurance?
Bret Eckstein Sez.... "the legislature has already capped noneconomic damages at $350,000 for a spouse that is killed. This means that the value of everyone's relationship with their spouse is limited to $350,000. If you carry more than $350,000 in life insurance, the defendant will pay $0. Imagine a defendant walking into court and getting off scot-free simply because you acted responsibly in buying life insurance. That scenario is frighteningly real."
1:04 pm on Thursday, February 28, 2013
As it applies to medical damages, the Collateral Source Rule allows the injured party to be compensated based on the amount billed by the hospital rather than the amount that the insurance provider paid. The proposed change awards the injured party full compensation for medical expenses based on what was actually paid, which includes deductible, co-payments and all related medical bills.
The confusion comes from the difference of what was billed by the hospital and what was paid to the hospital. So as an example:
If you, Randy, did something that resulted in a person being injured and you were found to be partially or completely at fault. The person that you injured went to the hospital and was billed $100,000 for services, but because they have health insurance and the insurance provider negotiates the charges the amount paid for the services was $20,000. Under the collateral source rule you would have to pay the injured party the $100,000 that was billed rather than the $20,000 expense that was incurred.
1:24 pm on Thursday, February 28, 2013
"The collateral source rule bars the admissibility of evidence at trial to show that a plaintiff's losses have been compensated from other sources, such as the plaintiff's insurance or workers compensation."
"PROBLEM: The collateral source rule keeps important information relevant to the determination of damages from reaching the jury. It allows plaintiffs to be compensated twice for the same injury."
1:42 pm on Thursday, February 28, 2013
"this bill is bad news and designed to benefit only one source: liability insurance companies."
What about the businesses and people that pay the premiums? Insurance companies don't print the money that they pay out.
"I choose to pay life insurance premiums to protect my family"
Your family will still be protected.
Brett Eckstein
1:58 pm on Thursday, February 28, 2013
"What about the businesses and people that pay the premiums?" Premiums are paid to pay for damages caused. In my example, if someone kills my spouse, I cannot imagine how anyone would say that the killer should be able to reduce my damages because I chose to buy life insurance proceeds. If you feel otherwise, I think we're at an impasse.
"Your family will still be protected." This shows the fundamental disagreement between you and I here. I believe in holding people fully accountable for all damages they cause. In my example, that includes no reduction in damages because I chose to buy life insurance. You disagree. Again, we are at an impasse.
2:27 pm on Thursday, February 28, 2013
"if someone kills my spouse" "the killer"???
What if your wife is injured and dies? If she slips on a wet floor is the janitor the "killer" or is the business owner the "killer"? If she slips in your tub are you the killer?
The impasse happens because the personal injury lawyers will lose money due to this bill, and from word one have not been able to be honest with their opposition to the bill. The blog started with "Bill Introduced to Benefit Drunk Drivers at the Expense of Workers" and the lawyers opposing the bill have twisted most everything since.
2:34 pm on Thursday, February 28, 2013
There's negligence -- a custodian who neglects the ice on the front steps of his building and the wife falls down and breaks her neck -- and then there's criminal negligence -- driving the wrong way down the expressway with a BAC of three times the legal limit. That's a killer.
Brett Eckstein
1:40 pm on Thursday, February 28, 2013
@ Jay Sykes. Under the bill that is the subject of this discussion, that is exactly what defendants will be allowed to do. Again, ALL payments received from others (called "collateral sources") are now going to be admissible. This includes: health insurance payments, disability insurance payments, life insurance payments, etc. It includes a host of other things as well. For example, if you miss time from work but burn through your vacation time so that you still get paid while missing work, the defendant is allowed to argue that you have no damages because you got paid anyways. Sound fair? Realize that there is no recognized claim for "lost vacation time," so if you have a job and you miss work you and you use your benefits get $0 for lost wages.
Kevin is raising legitimate questions about valuing medical expenses. My point is that people realize that this bill extends far beyond that. It penalizes people. For what?
Jay Sykes
2:57 pm on Thursday, February 28, 2013
I was trying to limit the scope of my question to the initial example. This piece of legislation covers lots of ground, so that was not very effective in this forum.
Health insurance only has value if you 'use it'; it has no fungible 'cash value'. As it is required by federal law, without lifetime payout or insure-ability limits, The ACA insurance mandate makes it fair game as a collateral source.
Life Insurance, Vacation and to some extent Disability Insurance it would seem should be excluded collateral sources as they may potentially fit your penalty theory or unjust enrichment.
I really never know know what to do with the word 'fair' without understanding how other states have structured their laws on this subject. That would include a through analysis of the intended and unintended consequences.
Brett Eckstein
1:43 pm on Thursday, February 28, 2013
@Randy1949 - property damage is a little different. If the insurance company causes $5,000 in damages to your car, you get the lesser of the repair cost or fair market value. If repaired, you'll get your deductible back no matter. The collateral source rule does not apply here.
1:59 pm on Thursday, February 28, 2013
Is the purpose of a personal injury claim to compensate the injured person for a loss or to punish the person that is considered responsible for the injury?
Brett Eckstein
2:10 pm on Thursday, February 28, 2013
It's actually both. Kevin referenced the Orlowski decision, handed down last term where all 7 supreme court justices (meaning all "liberal" and "conservative" justices) agreed that the collateral source rule fulfills both purposes of tort law. here's what the court said:
Within our law on damages we have adopted the collateral source rule, which provides that "a plaintiff's recovery cannot be reduced by payments or benefits from other sources." The policy justifications for the collateral source rule have been summarized in a number of ways. Each case emphasizes the policies relevant in that particular case. In this case, we highlight three policies central to the
collateral source rule. First, is to deter a tortfeasor's negligent conduct "by placing the full cost of the wrongful conduct on the tortfeasor." Second, is to fully
compensate the injured party. Third, is to allow the insured to receive the benefit of the premiums paid for coverage that he or she had the foresight to purchase.
2:37 pm on Thursday, February 28, 2013
Does the new law prevent the jury from awarding the plaintiff damages that do the following and more?
First, is to deter a tortfeasor's negligent conduct "by placing the full cost of the wrongful conduct on the tortfeasor." Second, is to fully
compensate the injured party. Third, is to allow the insured to receive the benefit of the premiums paid for coverage that he or she had the foresight to purchase.
Brett Eckstein
4:30 pm on Thursday, February 28, 2013
Does it prevent the jury from figuring out damages? No. But it allows the defendants to introduce evidence that for 100 years has been precluded because the evidence has absolutely is absolutely irrelevant on the measure of damages. That's the point of Kevin's original article. My point is that life insurance is in the same boat as health insurance which is in the same boat as other employer benefits (such as vacation time, sick time, paid time off, or what have you). There is no meaningful distinction between these collateral sources. My goal is to challenge you as to why it is that a defendant should get the benefit of ANY of these collateral sources.
Let me leave you with this: If you truly believe that defendants should be allowed to reduce their liability for damages they caused based on payments the plaintiff receives from other places, I hope that you never feel the sting of the position you advocate, because it has the potential to be horrible.
8:24 pm on Thursday, February 28, 2013
"My goal is to challenge you as to why it is that a defendant should get the benefit of ANY of these collateral sources."
Just like in the proposed bill, the key word is MAY. I don't think that a defendant should get the benefit of collateral sources, they may get the benefit. Why do you think that the plaintiff SHOULD get a phantom medical settlement? I know why, it's money in your pocket.
Your claim that having your actual medical expenses paid, is or could be "horrible" needs to be expanded upon. Your job is to convince the jury how horrible it is, if the jury agrees they may adjust the payment accordingly. It may be horrible for the defendant to face financial ruin so that you and your client can vacation on an undeserved judgment.
Mr Lundt
2:02 pm on Thursday, February 28, 2013
Big deal this happens today. You are creating a problem were none exists in reality.
There is an accident and one person has soft tissue injuries and see a Chiropractor for three months. THe other person breaks a rib.
Often times the Chiropractor bills will exceed broken rib bills.
However the amount of the bills are a element of the amount of the settlement not THE determining factor.
So today other factors help determine the final payout---that happens today and this bill will not ---in real terms---change that.
So the insurance company get reimbursed for their medical bills and the injured party gets paid based on the merits of the case.
Just like today and totally reasonable.
Kevin R Martin
4:10 pm on Thursday, February 28, 2013
This proposed bill creates a problem where none exists. I'll try to show by example.
Person A sees a chest surgeon for their broken ribs after getting into an accident. The chest surgeon charges $150 for the office visit. As part of their claim, Person A is entitled to the receive the "reasonable value" of the services provided by the chest surgeon.
Under the current law, the "reasonable value" is the amount "charged" by the chest surgeon.
Under the proposed bill, the person who caused the accident would claim that the "reasonable value" is the amount "paid" by health insurance. I'll show the absurdity this creates.
If Person A has health insurance through their employer, the "reasonable value" under this bill is the amount paid by health insurance. If the person has not met their deductible, the "reasonable value" is now higher because the health insurance has not kicked in yet to pay anything. If Person A has insurance through HIRSP, the "reasonable value" is lower as the amount paid is by HIRSP is lower. Medicaid - lower yet; Medicare - even lower.
Even more absurd is If Person A has no health insurance. Now the "reasonable value" is the amount charged by the chest surgeon because there is no health insurance company to pay anything.
The "reasonable value" of medical services has never in the history of this State been premised on the amount "paid" because of this very discrepancy.
Mr Lundt
4:24 pm on Thursday, February 28, 2013
Kevin here is where your logic fails.
This part of the bill allows you to recover your out of pocket medical costs.
Person A= $5000 bill
Person B= $7000 bill
Each are entitled to receive ONLY the total amount of their bill. Person A does not get to profit an additional $2000.
In the end EACH party end up getting their OOP paid for--no more no less.
This has NOTHING to do with pain and suffering or any other claims. THat is handled separately.
Hershal Webster
4:47 pm on Thursday, February 28, 2013
The "reasonable value" should be determined by the jury. The jury should be presented all numbers and the lawyers can make their case for reasonable value.
As courts and lawmakers have come to understand the details of hospital pricing and billing practices, specifically that chargemaster/list prices are set to be discounted not paid, they have begun to adopt policies to limit the recovery of medical expenses to "the amounts actually paid or incurred on behalf of the patient."
Times change and some 100 year old laws need to change with them. When this law was written the reasonable value, of the services provided above, was probably a chicken.
Jay Sykes
4:45 pm on Thursday, February 28, 2013
@Kevin R Martin....
Person A gets a $1,000,000.00 Hospital bill from accident. Person B is determined to be 100% liable:
Example #1: Person A has No insurance, what is the maximum person A can collect under current law from Person B under current and then proposed law as it relates to the hospital bill?
Example #2: Person A has O deductible Insurance policy that pays $500,000.00 as negotiated full and complete hospital payment. What is the maximum person A collects under current and then proposed law from person B as it relates to the hospital bill?
Example#3: Person A has O deductible Insurance policy that pays $250,000.00 as negotiated full and complete hospital payment. What is the maximum person A collects under current and proposed law from person B as it relates to the hospital bill?
6:41 pm on Thursday, February 28, 2013
For the readers it would be of service if the bloggers post the proposed law. SB 22 can be found under WI. SB 2013 22. Question: what is the harm to allow the medical payment facts and subrogation rights to be transparent ? Subrogation payments can be settled by a compromise amount to the subrogated insurance carrier. In law school it is taught the a trial is a search for the truth. (member of State Bar of Wisconsin for 55 years and former trial lawyer and municipal judge)
Kevin R Martin
7:19 pm on Thursday, February 28, 2013
@Dick Steinberg
I believe the first sentence of my post listed the bills. This bill does not change subrogation law, only the collateral source rule. Aside for allowing a defendant to benefit from the injured person's health insurance premiums, the potential harm is also the these rulings could have on health care providers. If a jury determines the reasonable value of the health care providers service is the amount paid by Medicare or Medicaid, and a judge enters an order to that effect, what is to stop a Wisconsin commercial health insurer from arriving at the same conclusion. If Wisconsin commercial health insurers reimburse at the same rate as Medicare / Medicaid, the effect on physicians would be devastating.
You are right that a trial is a search for the truth. But this search does not allow a free-for-all in the evidence to be admitted at trial. As you know, irrelevant evidence is not admissible. This bill would allow evidence of life insurance proceeds, social security benefits, and more. Every circuit court judge that I have been in front of has concluded that there is no relevance to this evidence. Every appellate and supreme court decision has concluded that there is no relevance to this evidence. Now a bill drafted and supported by auto insurance companies seeks to turn over a century of precedent on its head.
7:39 pm on Thursday, February 28, 2013
"what is to stop a Wisconsin commercial health insurer from arriving at the same conclusion"
They would have a provider network that would be so small that their product/services would become worthless. Under the Obamacare 80% rule the insurance providers want the doctors to be paid well.
If there is no relevance to the evidence you should have no problem keeping it from being admitted, correct?
7:43 pm on Thursday, February 28, 2013
Link to the proposed bill:
Kevin R Martin
8:56 pm on Thursday, February 28, 2013
Greg, the picture next to your name is Uncle Sam flipping the bird and Obama's face in place of Uncle Sam. What is that?
NObama 2012
9:00 pm on Thursday, February 28, 2013
A golfer hooked his tee shot over a hill and onto the next fairway. Walking toward his ball, he saw a man lying on the ground, groaning with pain. "I'm an attorney at Cannon & Dunphy," the wincing man said, "and this is going to cost you $5000." "I'm sorry, I'm really sorry," the concerned golfer replied. "But I did yell 'fore'." "I'll take it," the Cannon & Dunphy attorney said.


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Reggae singer Turbulence serves up the music video for his single"Remember," produced by Extreme Productions.
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Vybz Kartel legal team, headed by Valerie Neita Robertson, will be pushing for bail for the incarcerated deejay come next week Monday, May 27.
Vybz Kartel, born Adidja Palmer, has been behind bars since September of 2011 on two murder charges and other…
Rihanna play hard but she also work hard.
After touring the entire North America over the last few weeks, Rihanna heads back to the studio to record new material for her upcoming album due later this year.
The "Pour It Up" hit maker was spotted earlier this week heading into a studio in Long Beach, California.
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Jamaicans have always have a love for hip-hop and R&B music, but local producer Roach says too much overseas music playing in reggae land.
Roach, real name Patrick Samuels, says radio disc jockeys are floodingJamaican airwaves with hip-hop and that is undermining local…
Rihanna want back Chris Brown and she is taking drastic measures to ensure that happen.
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The Bajan pop beauty posted the above photo of her ass-ets…
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Coat Hanger Christmas Tree Christmas Tree from Coat Hangers by Vina I have made several of these trees. I take the six wire hangers and intertwine two at a time, fitting with the hook inside. I tie them with the twist ties from bread or trash bags at the point of where the hanger meets. After all are tied together, I then wrap a strand of twinkle lights, (this is usually 23 or 35 light strand), leaving the plug end at the bottom. I then wrap garland around the exterior of it, starting at the top and it can be anchored with thin wire if needed. This exposes the lights and they will be covered, you can use any color lights or garland to suit your taste. I hope this isn't confusing. Hope it turns out like you want it! Related Products to Buy from CutRateCrafts.com - save 15-30% |
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News By Readers
Frisco Book Club presents Rose-Mary Rumbley
Rose-Mary Rumbley and Judy Clark
By Gail Hoogendoorn
Published: Monday, November 26, 2012 3:26 PM CST
Rose-Mary Rumbley was the guest speaker at the Frisco Book Club in November.
Rose-Mary is one of the most popular Dallas speakers and she does almost 600 presentations a year. She was head of the Speech and Drama department of Dallas Baptist University.
Her presentation was about the vice presidents of the United States starting with John Adams (who was Washington's vice president) up to Joe Biden of today. Her talk was very informative and laced with humor.
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Women's San Diego Chargers Victory Is Sweet T-Shirt
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Every win deserves to be celebrated, so pull on this 1/2-sleeve Victory Is Sweet t-shirt and start cheering! The contrast yoke adds a nice dash of color, and the notch neckline helps it further stand out from the crowd. Your favorite NFL® team's name and logo are featured in a distressed print on the front.
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The definitions used in this glossary of terminology either have been provided by the authors of the articles, or have been extracted wholly or in part, or paraphrased from the following sources: The American Medical Association Encyclopedia of Medicine, Charles B. Clayman, MD, Medical Editor, Random House, New York, 1989; Biotechnology from A to Z, 2d Edition, William Bains, Oxford University Press, New York, New York, 2002; A Dictionary of Genetics, 6th Edition, Robert C. King and William D. Stansfield, Oxford University Press, New York, New York, 2002; Dorland's Illustrated Medical Dictionary, 29th and 30th Editions, W. B. Saunders Company, Philadelphia, 2000, 2003; Genes VII, Benjamin Lewin, Oxford University Press, New York, New York, 2000; The Gale Encyclopedia of Genetic Disorders, Volumes I and II, Stacey L. Blachford, Ed., Thomson Learning, New York, New York, 2002; The Merriam-Webster Dictionary, Merriam-Webster, Inc., Springfield, Massachusetts, 1997; Molecular Biology of the Cell, 3rd Edition, Bruce Alberts, et al., Garland Publishing, 1994; The Random House Dictionary of the English Language, Unabridged Edition, 1966; Webster's Ninth New Collegiate Dictionary, 1991.
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The treatment of disease by ionizing radiation. Called also "irradiation therapy" and "radiation therapy."


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The remains of U.S. Ambassador to Libya J. Christopher Stevens and three other Americans landed on U.S. soil Friday afternoon in flag-draped caskets.
The four men were killed in an attack this week on the U.S. Consulate in Benghazi.
Teams of seven Marines carried the caskets off a C-17 plane at Joint Base Andrews in Maryland in a ceremony attended by a color guard and a chaplain, Army Col. Wesley Smith.
President Barack Obama and Secretary Hillary Clinton gave remarks at the solemn transfer of remains in an airport hangar, where four hearses with rear doors open waited for the caskets. Families of the victims and dignitaries were seated facing the hearses and a lectern.
"There's no doubt these are difficult days," said Obama. But he pledged that "the United States of America will never retreat from the world."
"Four Americans, four patriots, they loved their country and chose to serve it and serve it well," the president continued. "They had a mission and they believed in it, and they knew the danger and they accepted it. They didn't simply embrace the American ideal, they lived it, they embodied it: the courage, the hope and, yes, the idealism.
"We will bring to justice those who took them from us," Obama said.
Clinton said that Libya, Egypt and Tunisia "did not trade the tyranny of a dictator for the tyranny of a mob." Those countries' leaders "need to do everything they can to restore security" in the face of anti-American protests arising from an "awful Internet video," she said.
Clinton said the four victims' lives -- as well as all people who work in the Foreign Service -- "are at the heart of what makes America great and good."
"America must keep leading the world. We owe it to the these four men to continue the long, hard work of diplomacy," Clinton said. "We will wipe our tears and stiffen our spines and face the future undaunted."


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13. | Anna Nicole Smith | ||
Gives white trash a bad name. Don't get me started on Anna Nicole Smith!
Anna Nicole Smith images | |||
1. | Anna Nicole Smith | ||
A voluptuous blonde pill-popping trainwreck who has her own television special that is about as painful to watch as a colonoscopy. A former Guess? model. Is that Anna Nicole Smith's son? Poor kid, if that was my mom, I'd kick my own ass.
2. | anna nicole smith | ||
Code word for Xanax. Dude, stop calling my celly asking me for Xanax! Don't you know the fucking pigs are tapping my phone? Next time, just say you need to hang out with anna nicole smith, ya doofus. Save that overly obvious telephone terminology for when you're calling a sketch pad.
3. | anna nicole smith | ||
well she is a dead person. Anna Nicole Smith is dead.
4. | Anna Nicole Smith | ||
A gold digger who married some old tycoon and inherited 250 million dollars when he died. She even put on quite a drama during the family court dispute with the oldest son over the money. Anna Nichole Smith sure is putting that old man's hard-earned money to some use. Holding lavish parties and squandering it on useless shit while the real inheritors shake their heads with shame.
5. | Anna Nicole Smith | ||
A dumb but cute bisexual hick from Texas who got pregnant by the age of 16 or so, became a stripper then married a rich old guy (who passed away)... she became depressed over the fact that she wouldn't be inheriting the old dudes money, started comfort eating, and eventually became a pill popping, obese slut.
However she decieded she wanted to get laid, so she became a spokeswoman for a diet pill company which secretly put her through several plastic surgeries for her to lose all that lard. Now is skinny, became a model and is semi-retarded from all the drugs she has taken. I think I speak for the rest of the world when I say: I pity her son and wish him the best... Like my boddddy? Trim Spa baby! *cheesy smile*
6. | Anna Nicole Smith | ||
what is that a Cow on valium?
oh it's Anna Nicole Smith mooooooooooo moooooooooo mooooooooooooo
7. | Anna Nicole Smith | ||
What happens to a stripper when they graduate. Anna Nicole Smith will pay a bro fo sho my fellow black emporer.


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Twitter Updates
- Just completed a 1.89 mi walk - Celebrating Peanut's last day interning. rnkpr.com/a32b5tx #RunKeeper 5 hours ago
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Markets Newswire
Agriculture markets news service, including commodity prices and summaries, daily market trends, USDA news and announcements, and news from commodity exchanges around the world. Get daily news on grain markets, livestock and meat industry activity, and more.
Soybeans end mixed on nearby profit-taking
By: Dow Jones Newswires
U.S. soybean futures finished mixed Friday, with the spot July contract slumping as traders took profits after prices rallied to eight-month highs Thursday.Chicago Board of Trade soybeans for July delivery ...
Farm markets remain mixed
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--On Friday, trading mostly lower, the CME Group corn, soybean and wheat markets are taking a breather, one analyst says.
At mid-session, the July futures corn contract is ...
Market craziness rules
By: Roy Smith
I watch the cash basis and spreads between the contract months for hints of future price direction. For the past several months, both the spreads and basis have been indicating higher prices ahead. Nearby ...
Cash bean prices roll lower
By: Ron and Sue Mortensen
The cash soybean market has had a huge upheaval this week. Cash prices and basis levels have slipped every day despite rallies in the nearby futures contract. The week started with cash bids ...
Supplies send soybeans to 8-month high
By: Dow Jones Newswires
U.S. soybean futures finished higher Thursday, with the spot July contract rising to a new eight-month high on tight domestic stockpiles.Chicago Board of Trade soybeans for July delivery, the most actively ...
Corn, soybean prices turn up
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--After starting lower, the CME Group farm markets have turned higher Thursday.
At mid-session, the July futures corn contract is trading 5 cents higher at $6.64 ...
Corn surges on export sales
By: Dow Jones Newswires
U.S. corn futures settled higher Wednesday amid concerns that strong demand could shrink already tight domestic supplies.Chicago Board of Trade corn for July delivery, the most actively traded contract, rose ...
Margins favor more ethanol production
By: Dow Jones Newswires
U.S. ethanol production rose 2.1% to 875,000
barrels a day in the week through Friday, continuing the prior week's
trend, data from the U.S. Energy Information Administration showed ...
Corn jumps on ethanol demand
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--Increased ethanol demand pushes up CME Group corn prices Wednesday. Spread trading pushes nearby soybeans lower.
At mid-session, the July futures corn contract is trading ...
Planting surge sinks corn futures
By: Dow Jones Newswires
U.S. corn futures settled at a four-week low Tuesday, after a surge in corn plantings last week eased concerns that planting delays this spring could reduce the new crop's output.Corn futures for July ...
Corn, soybeans close mixed
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--With the exception of a rally in old-crop soybeans, the CME Group farm markets finished lower Tuesday.
The July futures corn contract closed 9 cents lower at $6.40 ...
Rapid planting: Almost caught up
By: Ray Grabanski
Rapid planting progress of corn, soybeans, and HRS wheat occurred last week as we had a wide-open window of planting opportunity for most of the Corn Belt and northern Plains last week. A record-tying 43% of ...
Weather, tech-buying boost wheat futures
By: Dow Jones Newswires
U.S. wheat futures reversed earlier losses to settle higher Monday, boosted by technical buying and threats to U.S. production.Chicago Board of Trade July wheat futures settled up 2 cents or 0.3% at $6.85 1/4 ...
Grains continue to retrace 2012 drought rally
By: Darrel Good
Corn and soybean prices rallied sharply beginning in July 2012 as U.S. drought conditions unfolded. It was generally expected that prices would follow the pattern experienced in other "short crop" years ...
New corn, old beans close higher
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--The spreading of old crop vs. new crop contracts pushed the corn and soybean markets to a two-sided finish Monday.
Also, new-crop contracts felt the pressure from a ...
Traders 'bull' spread soybeans
By: Rich Nelson
New news to trade was lacking today, but that didn't stop the bean market bulls from buying. The July beans finish the week on a strong note as the July contract took out the 200-day moving average and had a ...
Soybeans surge on supply worries
By: Dow Jones Newswires
U.S. soybean futures settled higher Friday, with the spot July contract setting a fresh nine-week high on worries about tight near-term supplies.Chicago Board of Trade soybeans for July delivery, the most ...
Farming and marketing in retirement
By: Roy Smith
When I became eligible for Social Security, in 2004, I made the decision to continue to farm the land Sharon and I owned or had interest in. This meant giving up several rented farms and liquidating all of the ...
Planters rule the market?
By: Mike McGinnis
As the end of April approached, all the talk was about how slow the U.S. corn planting pace was developing. As the calendar turned to the month of May, the planting pace eventually hit the slowest rate on ...
Old corn, soybeans end sharply higher
By: Mike McGinnis
DES MOINES, Iowa (Agriculture.com)--Old-crop corn prices and soybeans finish stronger, as the market remains nervous about tight supplies Friday.
The July futures corn contract closed 11 cents higher ...
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In football, a mass change in the front office can put a team, such as the Cleveland Browns, continually behind the pack as the new folks need their own personnel, bring those folks in, it takes too long and they get fired, perpetuating the cycle.
It's a necessary evil in football — at least for bad teams, like our beloved Browns — given the different types of offenses and defenses certain people prefer. Thus, many folks, including me, are in favor of keeping coach Pat Shurmur and general manager Tom Heckert around, despite there being a new owner, to stop the ongoing turnover.
In baseball? There's no system, only personalities and two kinds of owners: free-spending and frugal, neither one more right than wrong. So in baseball, then, turnover in key spots like general manager and manager isn't that difficult to absorb, unless you don't want to pay the remainder of those folks' contracts. (Ahem.)That's not to say I advocate firing Manny Acta, which team CEO Paul Dolan said Thursday night he wouldn't do. Nor are the jobs of general manager Chris Antonetti and president Mark Shapiro in jeopardy, Dolan said. (I will say that Acta must be fired or have his contract extended before next season; players know when a manager is on a one-year deal, and it rarely works out well; and there's no way the team can extend Acta right now, so that leaves one option.)But here's what Dolan said that should concern Indians fans: "As I sit here, I have no intent to make any changes. I have to understand what's happened. I'm not going to have that understanding today. Hopefully, sometime in the offseason, we'll be able to assess and move from there. I don't exactly know what's happened." To which I say, what the heck is taking so long?Now, it could just be that Dolan, forced to make a public appearance at Acta's charity event and thus be subjected to media questions, simply was stalling. I'm no whiz at running a business, but it can't be good for morale or gate receipts if the team completely throws in the towel and blows up the front office. Why not keep the team intact and limit the drama/criticism as this season winds down?Yet Dolan's comments likely will serve only to inflame a fan base whose support for the team might be at an all-time low. Tough time for the Indians, that's for sure. Here's another link for your consideration: An old friend of mine and a die-hard Cleveland fan, Zach Baker, writes in the Tiffin paper that the Dolans aren't cheap, just unlucky.
On Wednesday, I shared some TV ratings data that showed interest in the Cleveland Browns' preseason games is at its highest point since 1999, the year the team returned from a three-year hiatus after Art Modell moved the original Browns to Baltimore. (As an aside, I had friends ask me how Nielsen and networks measure how many people are watching, and what their demographics are. Here's a good primer on that.)After training camps closed the other day, the Browns shared more data about attendance and viewership:
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Volatile shoes are more than edgy, more than stylish and more than a great value...they're very Volatile! Volatile sneakers and Volatile flip-flops offer some of the most innovative looks around. Volatile scours the world for the latest trends, developing fashion-forward footwear that always stands out in a crowd.
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Vice President Hamid Ansari leaves for a four-day official visit to Uzbekistan
Vice President Hamid Ansari today left on a four-day visit to Uzbekistan during which the two nations will discuss issues of cooperation in counter-terrorism, Afghanistan and development projects in the region will come up for discussion. Ansari is travelling with a high-level delegation to Tashkent where he will meet Uzbekistan President Islam Karimov. Issues relating to Afghanistan will come ...
China defeats Kazakhstan at China International Mens Volleyball Tournament
Chinese national men's volleyball team defeated Kazakhstan 3-0 at the China International Men's Volleyball Tournament here in Luohe, central China's Henan Province on Tuesday.China beat Kazakhstan 25-20, 25-23, 25-16 with no difficulty because Kazakhstan was not a strong team."My team consists of young players who didn't completely obey my order, so I'm very ...
National Briefing | West Idaho Uzbek Man Remains in Jail on Terror Charges
An Uzbek man facing terrorism-related charges in Idaho will remain jailed pending his trial after waiving his right to a detention hearing. Lawyers for the man, Fazliddin Kurbanov, on Tuesday waived a hearing where a United States District Court judge was to have considered whether he should stay in the Ada County jail in Boise until his July 2 trial. Mr Kurbanov, 30, a truck driver, was ...
Uzbek man facing terror-related charges will remain jailed pending trial after waiving hearing
This undated image provided by the Idaho State Police shows Fazliddin Kurbanov. Kurbanov, an Uzbekistan national, pleaded not guilty during his first court appearance Friday, May 17, 2013 on U.S. charges that he gave support, cash and other resources to help a recognized terrorist group in his home country plan a terrorist attack there. (AP Photo/Idaho State ...
Azerbaijan and Iran in soft-power struggle
By Eldar Mamedov BAKU - There's a coffee shop in an out-of-the-way part of Baku where the walls are covered with illustrations from an early 20th century satirical magazine called Molla Nasreddin. The magazine represents a bygone era, when Azerbaijan was a font of new cultural trends in the Muslim world, pioneering such issues as female emancipation, anti-clericalism, anti-colonialism ...
28°C Clear
Winds: From the SSE at 13 MPH
Movie Review
The Life of David Gale
The Life of David Gale is being slammed pretty hard by a lot of critics, mostly because they want it be something it is not. As a tract on the unfeasible nature of the death penalty in America, it is an utter failure, a would-be liberal whitewash that ends up painting anti-death penalty advocates as near-crazed zealots who believe that virtually anything, no matter how horrific, is justifi ... ...
On Facebook
Azerbaijan - Azeri blogger and activist allegedly tortured
The Institute for Reporters' Freedom and Safety (IRFS) is appalled by reports that Ministry of Interior officials - as yet unnamed - tortured blogger and activist Rashad Ramazanov (a.k.a. Hagigat Agaadin) during a custodial interrogation. The Azerbaijani authorities should establish an immediate and independent investigation into this barbaric case and hold those responsible for ...
Joint probe into Russias Eurovision votes stolen in Azerbaijan
17/05/2013 11:07 CET Russia and Azerbaijan are joining forces to investigate a Eurovision scandal that saw votes for Russia's entry vanish. Moscow's Foreign Minister Sergei Lavrov has described as ';outrageous'; the revelations by Azerbaijan that although its country's voters had put Dina Garipova's ballad second, she got ';nul points'; instead of ...
Kyrgyzstan shutting down key US route to Afghanistan
President Almazbek Atambayev has repeatedly pledged to shut down the Manas Transit Center in 2014, dismissing U.S. assumptions that the base would remain in exchange for higher rent. The United States currently pays $60 million annually for the base.Atambayev said the Kyrgyz Cabinet had drafted a bill on the base closure and submitted it to parliament. He said Kyrgyzstan would compensate for the ...
Kyrgyzstan bent on evicting US air base in 2014
BISHKEK, Kyrgyzstan -; Kyrgyzstan's president has reaffirmed that next year the Central Asian nation will evict the U.S. air base that supports military operations in nearby ...
Roadman of Kyrgyzstan's accession of Customs Union to be worked out before yearend
BISHKEK, May 21 (Itar-Tass) - Quite a lot of steps are to be made to have Kyrgyzstan join the Customs Union of Russia, Belarus and Kazakhstan, Kyrgyz President Almazbek Atambayev said on ...
They Said It
Nothing will ever completely replace playing the game I love, however I feel like I'm starting a new adventure and I'm genuinely excited about what lies ahead. I'm fortunate to have been given many opportunities throughout my career and now I feel it's my time to give back.
David Beckham
The world's best known footballer was speaking after formally announcing his retirement.
Hotel Review
Crowne Plaza Times Square Manhattan
The taxi drove through the center of the building to an arrival station for the Crowne Plaza which is a ...
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Do you take the threat of North Korea seriously?
Central Asia Times
Central Asia Times | The Latest News from Central AsiaBreaking news from Central Asia is the focus of the Central Asia Times. This online newspaper has an extended scope, and includes international news and updates from the business world, and global markets.
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- Six Afghan policemen killed in Herat bombing
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Tags: experience, gun, weapon, zombie
Just wondered. The other month tried some things like this with my Mossberg. Was more goofing around than anything. Firing with one hand, w/o hearing protection. Kinda sucked
my friend has a mossberg 930 breacher, we fired buckshot out of it without hearing protection once, never doing it again. firing my rifle without hearign protection isn't bad at all, standing anywhere but right where the person firing is is like havign a firecracker shoved in your ear.
I hear that, my buddy and i do firing routines without muffs, and it isnt that bad. Only bad of it is when his rifle spits high and i get hot brass on the side of my face. Fixed it by wearing a hat, the bill of the hat saves face!
Do you hear that ringing in your ears. That is called Tinnitus. After a while it doesn't go away. Then if you continue doing the same thigns like shooting without hearing protection you will develop hearing loss. Take it from someone who knows. Use proper hearing and eye protection.
You know if they use any hearing protection in the military?
Are they used in combat?
No. Studies have shown that the body will shut diwn and basically ignore the excessive noise in a shooting situation. I've been involved in shootings on duty and noticed the shots going off but there was no tone afterwards.
I used the plug type now at the range and have never had any hearing issues after leaving the range. Ive heard stories of people saying they couldnt hear gun fire in a fire fight. I think thats complete bs. Now one thing I have experienced myself is temporary complete hearing loss. When I was in Iraq our convoy ran over a IED while patrolling a area that was suppose to be "swept" 4 hours before by EOD. We were in the second humvee that took the more indirect hit. There was a large explosion we thought was the IED, but later found out was the muffler exploding next the window due to the flood of diesel that ran through the exhaust which rattled my brain in my skull. I woke up and opened the door, my commanding officer was yelling in my face to go check the first humvee and I couldnt hear a word he said. I got the drift when I he pointed the demo'd humvee. It took about a hour before I started hearing the ringing, and about 8 before I could hear anyone talk. The ringing lasted for about 2 weeks before it was completely gone, and sometimes if I hear a loud bang like firecrackers I didnt expect, I'll have rining for about 5 minutes or so.
Then I guess you weren't prepared for the bang. Sort of like a having the muzzle of a gun to close to your head. At the beginning of a fire fight, I could see how it would be loud, but as the battle goes on I guess you get use to the sound. Just like a rock concert, as time goes on you get used to the loud noise and then you go sleightly deaf afterwards! LOL!
When I was involved in a shooting I could hear the shots but it didn't affect me like it would if I was at the range with no protection. It was more muffled and there was no ringing afterward.
I've used flashbangs on entries. If you are ready you can fight through them while the targets are disoriented.
These days my ears ring no matter what.
© 2013 Created by Skot (Lost).


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The rosary of the Blessed Virgin Mary is a form of prayer (vocal or mental), consisting of 15 decades of Hail Marys, said on beads, each decade preceded by an Our Father and followed by a Gloria, during the recitation of which the mind meditates or dwells on the principal mysteries of the life, death, and resurrection of Our Lord. This is the true Rosary, sometimes called the Dominican, or Rosary of Saint Dominic, because its origin has been traditionally attributed to that saint. As a rule, five decades are recited at a time. Other rosaries are more properly called beads, as the beads of the Immaculate Conception, the beads of the Seven Dolors, the Blessed Sacrament beads. The Rosary is the most popular of the non-liturgical prayers. It has been richly indulgenced by many popes. The beads should be blessed by a Dominican or any other duly authorized priest. Pope Leo XIII instituted the Month of the Holy Rosary (October) and added the invocation "Queen of the Most Holy Rosary" to the Litany of Loreto in 1833.
Oct 182008