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Securities violations alleged against former Indiana State Teachers Association investment and financial advisor
October 27, 2010
Complaint alleges David Karandos of Indianapolis engaged in unethical, dishonest and deceptive practices by steering ISTA toward unsuitable, risky investment products
INDIANAPOLIS – Indiana Secretary of State Todd Rokita announced today that his Indiana Securities Division has filed an administrative complaint against David Karandos alleging 13 violations of the Indiana Securities Act for unethical, dishonest and deceptive practices. The complaint, which is attached to this release, alleges that over the course of many years, Karandos advised the Indiana State Teachers Association (ISTA) to invest its trust fund reserves in alternative investments such as hedge funds and private equity funds – illiquid investment products that come with long-term obligations, but offered large up-front commissions for Karandos.
"This is money that was supposed to be kept safe to be used by the ISTA Insurance Trust in meeting its obligations to retired teachers and others with long-term care needs," Secretary Rokita said. "Now, because of these irresponsible and deceptive actions, along with other misdeeds and mishandlings, we're forced to comb through a complex maze of ISTA funds in hopes of accounting for $23 million that ISTA admits is missing related to our federal litigation."
If the allegations are proven by the Securities Division, Karandos could face a fine of up to $10,000 per violation, be ordered to pay restitution and could potentially be permanently barred from the securities industry in Indiana.
Karandos had been the investment advisor representative advising the ISTA Insurance Trust since 1991. The complaint alleges that beginning in 2004, Karandos continually recommended inappropriate alternative investments, such as hedge funds, private equity funds, etc., for the trust to purchase. It also states that in making such recommendations, Karandos failed to disclose the future risks involved with such products and failed to disclose the substantial compensation he and his employer would earn.
The ISTA Insurance Trust is currently one of the co-defendants in a federal securities fraud suit brought by the Indiana Securities Division against the ISTA. That suit alleges that ISTA unlawfully offered and sold investments in a health arrangement to dozens of Indiana school corporations, violating several provisions of the Indiana Securities Act.
According to the previous complaint against ISTA et al., money paid into the ISTA-controlled trust that was intended to be used for health claims was comingled by ISTA with funds from other sources including long term disability plan payments and invested by ISTA without the knowledge of the school corporations. The complaint alleges that ISTA now is unable to properly account for approximately $23 million intended for school districts.
The ISTA Insurance Trust was responsible for the issuance of medical and long term disability plans endorsed and provided by ISTA. The medical plan offered a feature which allowed school corporations to set aside their excess balances in order to earn investment returns to be used to offset future costs. Karandos was responsible for advising the trust on how to invest and calculate a rate of return for these dollars.
Indiana Securities Commissioner Chris Naylor has appointed O. Wayne Davis as Hearing Officer on this matter and has set a hearing date of January 25 at 9 a.m.
Click here to view complaint PDF
Media Contact: Jim Gavin 317.233.8655 or firstname.lastname@example.com


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Photography by Mr John Lindquist
Words and styling by Ms Sophie Hardcastle
Words and styling by Ms Sophie Hardcastle
As well as ticking all our sartorial boxes, legal drama Suits has provided us with our latest crush. Los Angeles-born actress Ms Meghan Markle, 30, is perhaps best known for her roles on Fringe and CSI, as well as a silver-screen appearance in Horrible Bosses, however it's her part as the cat-eyed, feisty-but-feminine paralegal Rachel Zane that has us hot under the collar. Here, Ms Markle gives us the nod on what she likes a man to wear, as well as the tips and tricks to get her attention - not that it will do you any good: sadly, someone already beat us to it.
Your character, Rachel, is often asked for sartorial advice from Mike - is this something you are happy to dish out in real life?
I think women have a really good sense of what looks good on men, especially if it's their own man, and in turn they should want to look good for her.
Do you find yourself dressing your husband?
He always wants a new style makeover, and I'm not the best at it if I'm honest, but I try to piece things together for him. More than anything I think men look best when they dress simply, in a clean and sexy way - even if that's just a button-down shirt.
What five things should every man have in his wardrobe?
Definitely a beautifully tailored suit, and a perfect white button-down - which can be paired with something simple such as jeans or slacks but always look fantastic. My husband wears basic black crew-neck T-shirts, which are very simple but oh-so sexy; I happen to love a man in a linen shirt, it just makes me think of vacations and walking barefoot on the beach - and who doesn't like to think of that? And of course they need jeans. I also happen to love men in boat shoes, so I'd have to throw those in too.
Describe your perfect date from start to finish.
A perfect date could be any number of things, but what's most important is that they are good company. It doesn't matter if it's fancy or not, it's all about the company and embracing every little second of it. I've had dates at the nicest restaurants, but when you leave you're starving and the best part of the date is having a slice of pizza and a couple of drinks on the way home. I think it's important to be able to roll with the punches and enjoy every minute of it. If he makes you laugh that helps.
What is the best thing about playing Rachel Zane?
Rachel is so well written. She's strong, interesting and a little sassy, which I appreciate, and I love that she's still striving for something. Her ambition is something I find very attractive, so playing her is a lot of fun. I like that I not only get to play a romantic interest, but also a woman who is on the brink of a big career change.
Who is the better dresser in your eyes, Harvey or Mike?
It's so hard to choose. Harvey wears the most beautiful, perfectly tailored suits and he looks fantastic wearing them, but what I like about how Mike dresses is that he too wears beautifully tailored suits, but there is always a little bit of edge that keeps it from being perfect and I find there's something very sexy about imperfection.
What sort of suit gets your approval and why?
I think a man in a suit always looks fantastic, but the other day the guys were wearing tuxedos on set and I had a moment where I did a double take and thought, "Oh my God, you guys look so hot." I think seeing a guy dressed up when you're not used to seeing someone that way is a big turn on.
What should a guy buy a girl these days to impress her?
For me it's never about the gift, rather than the thought behind it. I've been given extravagant gifts, but I think the things that always mean the most to me are those that are thoughtful, small and sweet. Although it's always nice to receive lingerie, but I guess that can be considered small and sweet too.
What is the best way to get your attention?
It sounds so simple, but it's just to be kind. I think when you watch a man who is kind to whoever he is speaking with and you can see he is a good egg, it is the most attractive thing in the world. From there you get to know them and see their character, humour and ambition come through, but I still think kindness is the most important thing. That and being comfortable in your own skin.
You are from LA but work on a New York set - which city's men are the better dressed?
I have to apologise to my Californian natives, but I was just in New York and the sense of style there is overwhelming and so cool. I think the way people dress in that city is incredibly inspiring. Though I love the flip-flop culture of LA and I'm a true California girl at heart, there's nothing like getting dolled up in New York, with a sharply dressed man on your arm.
The second season of Suits premieres on USA Network in the US on 14 June at 10/9c, with all new episodes every Thursday.

subset: commoncrawl


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Publishers Book Display
Publishers, exhibit your book(s) on the ASIS&T Annual Conference Publishers Table and receive high visibility at minimum cost! The combined publishers table will be located in the heart of the display area. This opportunity offers a more cost effective method of reaching your target audience.
Book(s) and a sample order form must be pre-approved by ASIS&T (samples will not be returned)
- Order forms must pertain exclusively to the book you are displaying; publication brochures will not be accepted.
- Order forms should state that ASIS&T members receive a 10% discount off the listed price.
- The cost to display is $150 per book/display
- To participate in the combined publishers table, complete and return the reservation form with a sample of the book and order form to be displayed and a check made payable to: ASIS&T, 1320 Fenwick Lane, Suite 510, Silver Spring, MD 20910.
Once approved, a single copy of the book, along with order forms to be displayed, should be shipped to the following address by October 30, 2013:
Vanessa Foss
ASIS&T 2013 Annual Conference
Le Centre Sheraton - Receiving Dock
1201 Boulevard René-Lévesque West
Montreal, QC H3B 2L7
(514) 878-2000
Please be sure that your company name appears on the shipment and that your materials arrive at the hotel by October 30, 2013.
ASIS&T assumes no responsibility or liability for materials improperly labeled by the sender or materials lost or slowed by the shipping agent or postal service. Fax a copy of your bill of lading, or the shipping receipt to: ASIS&T, ATTN.: Vanessa Foss, Fax: (301) 495-0810.


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Dirty Beats – Hardcore upbeat drum n bass, breakbeat, metal crossover track. Guaranteed speaker shaking and feet moving. High energy guitars and beats with dostorted bass grooves and rhythms.
Soundalikes :
The Prodigy, Chrystal Method, Fat Boy Slim, Chemical Brothers, Junkie XL, JXL, Apollo 440, Pendulum
Included Files :
- Vocal Version: 1:45
- Non-Vocal Version 1:45


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Development policies and plans are discussed as well as manufacturing processes and cost structures are also analyzed. This report also states import/export consumption, cost, price, revenue and gross margins.
- Advertising -
Access Complete Report @ www.deepresearchreports.com/contac…y.php?name=455776
This market research report offers a complete breakdown of the global Data Integration Software market through exhaustive information on industry-authenticated market data, facts, statistics, and insights. An apt set of approaches and suppositions in the report back the market forecasts.
The report scrutinizes the market by an exhaustive analysis on market dynamics, market size, current trends, issues, challenges, competition analysis, and companies involved.
Complete report on Data Integration Software market spread across 103 pages, profiling 14 companies and supported with tables and figures is now available @ www.deepresearchreports.com/contac…y.php?name=455776
The report provides a basic overview of the industry including definitions, classifications, applications and industry chain structure.
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The Data Integration Software industry analysis is provided for the international markets including development trends, competitive landscape analysis, and key regions development status.
#Key Manufacturers Analysis of Data Integration Software Market: Informatica, IBM, SAP SE, Oracle, Talend, Microsoft, Cisco Systems, Denodo Technologies, Attunity, Adeptia, Actian Corporation, Syncsort, Symantec Corporation, Teradata and Intel.
Market segment by Application, Data Integration Software can be split into
- Government
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- Others
With tables and figures the report provides key statistics on the state of the industry and is a valuable source of guidance and direction for companies and individuals interested in the market.
Access a copy of this latest research report @ www.deepresearchreports.com/contac…e.php?name=455776
#Major Points from Table of Content
1 Market Overview
2 Manufacturing Cost Structure Analysis of Data Integration Software
3 Technical Data and Manufacturing Plants Analysis
4 Production Analysis of Data Integration Software by Regions, Technology, and Applications
5 Sales and Revenue Analysis of Data Integration Software by Regions
6 Analysis of Data Integration Software Production, Supply, Sales and Market Status 2011-2017
7 Analysis of Data Integration Software Market Key Manufacturers
8 Price and Gross Margin Analysis
9 Marketing Trader or Distributor Analysis of Data Integration Software
10 Development Trend of Data Integration Software Market 2017-2022
11 Market Chain Suppliers of Data Integration Software with Contact Information
12 New Project Investment Feasibility Analysis of Data Integration Software
13 Conclusion of the Global Data Integration Software Market Report 2017
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Category: Market Research Publishers and RetailersCompany about: Focusing primarily on China markets and secondarily on the global markets, DeepResearchReports.com offers research reports for industries that, at top level, cover communication, consumer electronics, car electronics, computer net, energy and chemical markets. Drilling down, segments and sectors like apparel, automotive, automotive & transportation, aviation, biotechnology, chemicals, computer equipment, computer networking


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The family of Angelina Jolie's late aunt Debbie Martin, who succumbed to breast cancer Sunday, is mourning her as "the glue that held the family together," less than two weeks after Jolie herself underwent a preventive double mastectomy.
The family of Debbie Martin spoke exclusively to NBC 7 San Diego and talked about the impact she had in her life — and likely the impact she will have in her death.
Debbie Martin had a long battle with cancer and was diagnosed in 2004. She died in Escondido, Calif. on Sunday morning after nearly 10 years battling the deadly disease.
"She was my best friend," said her son Chris Martin. "The most beautiful woman I knew. I would talk to her every day."
Debbie Martin, 61, was the younger sister of Jolie's mother, whose own death from ovarian cancer in 2007 inspired the surgery Jolie had — a double mastectomy that reduced her chances of getting breast cancer from 87 to 5 percent.
"She was the glue that held the family together," said Debbie's husband Ron.
Ron said Debbie had the same defective BRCA one gene that Jolie had, but she didn't know it until after her cancer diagnosis in 2004. He encourages people who may have the gene to get screened, as it could be lifesaving.
"Since Angelina came out with her news about her double mastectomy, Debbie and I reflected that has we known before she got breast cancer if we had the same information from the BRCA test, which we didn't have at that time," he said. "We would have done exactly the same thing. It would have saved her life."


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What makes you angry? Seeing a rival agency's work all over the place and knowing you could have done a better job? Not being appreciated for the creative genius you are? Or having to deal with the monstrous egos of so-called creatives who think they have some kind of genius, when all you want is a lingering packshot?
Advertising may not be the angriest industry in the world – but it's up there. Ad people are subject to all kinds of frustrations. You could draw up your own list of things that make you angry – go on, write them down.
And I'm sure you could come up with more than three. Not only because you work in advertising, but because you're human. It's perfectly normal to get angry. But too often we hide away our anger and pretend it's not there – which doesn't resolve it, but allows it to fester.
If you are a hardened ad type, you may not like the touchy-feely turn I seem to have taken. But you can't afford to ignore this, because it's not only about you. Your clients get angry and their customers get angry. Consumers can get very angry.? (I overheard one complaining about the new Guardian campaign. "The weekend is the only thing I have for myself; The Guardian doesn't f*cking own it," she said.) And you can't afford to let these people get angry.
As a writer, and a member of The School of Life, I've spent quite a bit of time thinking about how we handle our anger – and I was fascinated to learn recently about new research into precisely what makes us angry, initiated by the start-up Johnny Fearless, together with the research agency X Marks The Spot and with statistical research by YouGov.
This identified a number of things that get us angry: bad manners, poor customer service, inconsiderate neighbours, anything to do with banks, other people not accepting their responsibilities, road rage, Starbucks, rising petrol prices and utility bills, government austerity measures, queue-jumping and a general perception that life is unfair. A number of respondents thought it could only be a matter of time before trouble hits the streets.
What fascinated me was that Johnny Fearless dared to draw attention to a toxic emotion that most advertisers strenuously ignore. Other agencies work round the clock to associate brands with joy or happiness. What was going on?
Neil Hughston, a co-founder of Johnny Fearless, invited me to give a talk about anger (and, to be perfectly clear, he paid me to do so). When we first met, I wondered if he'd chosen the topic because he was angry himself – he did talk a fair bit, with evident unhappiness, about dog-owners fouling pavements near where he lives. But I don't think that was it.
What seemed to exercise him, and what interests me, is how we deal with anger. One approach, which doesn't tend to be helpful, is to take it out on the people around us. Get shouty in the office, then again at home with your spouse – who then takes it out on the children, who in turn kick the dog or go into school the next day and start bullying somebody.
A more sensible strategy is to recognise the anger and have a careful look at what's going on. Because it's only by identifying something as a problem that you can do anything about it. It would have been hard for the civil rights movement to achieve what it did if they had not noticed that black people enjoyed fewer rights in the US than others. With hindsight, this point seems ridiculous, but it's amazing how often the point is overlooked when it comes to our personal situation: you need to identify a problem before you can fix it. So have a think about the things that make you angry. But be warned: it's not always the specific, tiny thing people actually talk about – such as whether the packshot is long enough.
More often, the underlying cause is a sense that we have not been "seen" or heard by others. And I'll come back to that shortly.
Another general, underlying cause of anger is the feeling that we are powerless. But we are never powerless. Performers know this. A king on stage only looks powerful because everybody else is lying flat on their face before him. If they got up and turned their backs to him and got on with something more fulfilling, the same king would no longer be powerful. The status quo is like that king: if you don't like the way things are, get up off your face and do something better. And don't make the excuse that you have to report to a boss – or a client or a board of directors – because a servant can be powerful too. So by all means stay flat on your face if you want, but remember that's your choice – and stop complaining.
If you don't like the way things are, get up off your face and do something better. And don't make the excuse that you have to report to a boss or a client
Anger is a call to action. It's sparked by something you don't like, but it takes you on an adventure. As somebody who trained as an improviser, I often suggest that people look at this as if they too were improvisers. On stage, the secret of success is to go with whatever the other person happens to offer you. If somebody says "Happy birthday!", you must accept that premise and respond accordingly, or else they will look like a chump – and so will you. Even if they offer you something you don't like, you must make the best of it: if a fellow improviser falls on the floor and abandons you to the audience, you can either wish the ground would swallow you up or accept their "offer" by pretending to bring this "corpse" back to life, or pretending they're in bed and jumping in beside them. To the audience, you will look amazingly entertaining and clever.
Remember: everything is an offer – even the things that make you angry.
Dale Carnegie understood this and, after reading How To Win Friends And Influence People a few years ago, I put one of his suggestions to the test. At the time, I was writing a blog about "green" issues for The Times. As I had feared, this won me praise from people who already considered themselves green and barrowloads of hostility from sceptics.
The hostile comments often came from people with pseudonyms such as "Dark Rider". What they could hardly imagine was that The Times, on a tight budget, had appointed me to be the moderator of my own blog – so I could see the e-mail accounts associated with each comment. And I decided to reply with a personal e-mail to everyone who called for me to be, for example, sacked for general uselessness etc.
"Dear Alan," I might start (that being the real name of Dark Rider). "Thank you very much for taking the time to comment on my blog. I realise that you must be very busy and I am extremely grateful…"
You might think I was being sarky, but I wasn't. To do this effectively, it was necessary to believe the recipient was a nice person. I went on to thank them for pointing out something related to my post. Then I restated briefly what I had hoped to put across, without any trace of defensiveness, and conceded that I had obviously failed to convey that as I'd hoped. Finally, I said again how grateful I was that they'd bothered to comment.
You might like to try the same yourself next time you get unwelcome feedback. To be perfectly clear, I didn't fight back. Not one bit. And the result was the same every time: I quickly received a reply, which usually went something like this: "Thank you so much, John-Paul, for bothering to reply to my comment. I never imagined you would read it and, having noted what you wrote in your e-mail, I can see what you were trying to say in your blog post, and I think I may have overreacted to it. Please don't take it personally. Anyway, thanks again for getting in touch."
Better still, these former critics frequently jumped in to defend me when somebody else left a hostile comment on subsequent blog posts. At the time, I was as baffled as I was delighted by this turnaround. Having thought about it for some time, I'm now convinced that they felt they had been "seen" and heard – and immediately their anger dissolved.
This approach might help you turn angry clients and consumers into happy ones. In which case, you might want to consider this: if everything's an offer, what's the best way to turn the thing that makes you angry into something useful?
John-Paul Flintoff is an author and journalist


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Rafael Nadal lost the singles and doubles finals at the VTR Open on Sunday in a disappointing finish to his comeback tournament after being sidelined for seven months with a left knee injury.
Nadal was beaten by Argentina's Horacio Zeballos in three sets in the singles final. Then Nadal and partner Juan Monaco lost 6-2, 6-4 in the doubles championship against the Italian pair of Paolo Lorenzi and Potito Starace.
Nadal was an overwhelming favorite, particularly in singles where he was shooting for this 37th singles title on clay. But Zeballos won 6-7 (2), 7-6 (6), 6-4 for his first title on any surface, looking every bit the equal of the seven-time French Open champion.
It was only the fifth loss for Nadal in a singles final on clay.
Zeballos matched Nadal shot for shot with no service breaks until the third set, dropping to his back on the red clay surface after winning.
"This is the game of my life," Zeballos said. "Playing against the best player of all-time, or one of the best in the history of tennis. It's a dream, unforgettable. I will never forget this moment."
Nadal spoke briefly after the singles, sounding upbeat despite the defeat.
"It has been one of the most beautiful weeks lately for me after being unable to experience something like this for long time," he said. "The fact I am here has been a triumph."
Nadal had most of the support, with fans waving Spanish flags and some wearing T-shirts saying "Vamos Rafa" and "Viva Espana." The Spaniard has been treated like a native since arriving in Chile for his comeback tournament.
Nadal plays again this week in the Brazil Open in Sao Paulo, and later this month on clay in Acapulo, Mexico - all aimed at getting him ready for a run at this eighth French Open title.
Nadal has consistently said his comeback might be a slow one, needing time to regain his speed and match fitness. The knee still bothers him, and he has warned it might be several months before it's clear if the non-surgical treatment has been effective.
The first set went to a tiebreaker. Zeballos kept Nadal off balance with his serve and hit the corners, but the Spaniard held on to take the lead in the match.
Zeballos would not be denied. He outplayed Nadal in the second set, taking the tiebreaker 8-6. Zeballos then raised both hands at the net and stared directly at Nadal.
Zeballos was broken in the first game in the final set, but broke back in the next game and then took the match, breaking Nadal again in the 10th game.
Nadal's last match before this tournament was a loss last year in the second round of Wimbledon to little-known Czech player Lukas Rosol.
This one was similarly surprising. They had met in the 2010 French Open, with Nadal winning 6-2, 6-2, 6-3.
Nadal has $50 million in tour earnings, and Zeballos has won $1.3 million - an indication of the gulf between them. Nadal also had won 15 straight matches on clay.


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Star-Banner readers share their views on a Veterans Day event, gay marriage, seniors playing softball and the election.
Great show
The Veterans Day activities at the Veterans Park were great! Every group that was involved did a wonderful job, but the young people with the Hammett Bowen Color Guard were off the charts.
What a great bunch of kids. And that's from one retired old soldier who ought to know. Keep up the good work!
Dr. Michael L. Bogdue
Free to love
This letter is in response to "Standing for morality" (Nov. 12). Apparently the writer describes gay marriage by the term "homosexual sodomy," which may or may not be correct. It certainly isn't very polite. We don't describe traditional marriages as "heterosexual fornication," and it's rude and depraved to define anyone's marriage by how you assume that couple experiences intimacy.
Personally, I don't like to think about what other people do in the privacy of their bedrooms, and I find it weird and creepy that people who "stand for morality" spend so much time obsessing about other people's sex lives. Why is that?
When gay people get married, it's for the same reason that heterosexuals get married — because they are in love. Consenting adults can have sex with a lot less paperwork.
But I have some bad news for the author. The recent elections have led to gay marriage being approved in three more states, and the re-election of President Barack Obama means the Supreme Court is likely to be filled with justices open to the idea of marriage equality.
Freedom of religion is the right to practice your faith as you see fit. It does not mean that you get to enforce your narrow brand of morality on the whole country. Both the writer and her church would do well to understand that. In a free country, we are free to love who we choose.
Gary Schor
Silver Springs
Having a ball
After retirement and my wife's sudden death, I was concerned about being active and having a social life.
While driving past Ralph Russell County Park, I saw seniors playing softball. I inquired and was told that you need to be 55 years old and up to play, with no experience required.
I was put on a team and shown how to play the game.
I suspect that many seniors in my circumstance would not be aware of this ongoing activity in the park service. I think the league can be contacted through the County Parks and Recreation Department.
I now play at Russell Park in Silver Springs Shores on Pine Road in Ocala. I'm still not a good player, but I'm learning, I think.
George Haralson
Pray I am wrong
Congratulations to the writer of the letter "Obama nation." You were correct, America confirmed we are now an entitlement country, having as many takers as we have givers. We have proven that if you rob from Peter to pay Paul, you can always depend on getting Paul's vote. Pauls will never vote for a candidate who promises to stop giving them the free stuff.
The very principles that made America great are no longer the backbone of our nation. We were built on the foundation of individual initiative, self-reliance and responsibility through hard work and a strong belief in God. When President Obama was elected in 2008, the first lady remarked on TV that it was the first time she was proud to be an American. Well, this was the first time I was ashamed of America. This election was about character assassination of a good, moral, generous man with no concern about the last four years.
We will pay the price. When the next four years prove to be even worse than the last four, we will just have to live with it. Don't cry as we go bankrupt, lose our sovereignty and our individual rights as we fall under the U.N.'s jurisdiction. Don't expect terrorists to fear our retaliation as we move further away from God. I do believe we have invited God to remove his blessing from America, and we will pay the consequences.
Pray I am wrong,
Wayne Rackley
Let's stand together
In response to "Ashamed of America" and "The dream is dying," I would like to remind these gentlemen that the American dream is alive and well, and if you are ashamed of a majority of your countrymen for choosing a candidate you do not approve of, then shame on you.
The people of this country have endured enough negative campaigning. It is time to stop whining and do something to affect actual change. Both of these authors seem to credit their candidate's loss to dependent, unmotivated and "whatcha gonna gimme" citizens who feel entitled to government assistance.
My wife and I work full-time jobs and work other jobs when we can to generate funds toward our retirement. No one bailed us out when our economy collapsed, and instead of walking away from a house that lost value, we kept our commitment and continue to make the payments.
With all its flaws, this is still the greatest country on the planet. Not because of our wealth or our might, but because of our people!
The majority of our people are hardworking and caring individuals who work every day to build their own American dream. We need to stop focusing on what is wrong with America and concentrate on what is right with America, and one of those is our right to choose who leads us.
Regardless of who I voted for, I will support the majority of my countrymen and my country. Perhaps you gentlemen should do the same.
Herman Hale


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At last week's meeting in Worcester, the Massachusetts Board of Early Education and Care was updated on an ongoing 18-month study of the alignment of five sets of early childhood standards, my colleagues Amy O'Leary and Emily Levine report. The study looks at Massachusetts infant-toddler standards, preschool standards, kindergarten standards, the early childhood portions of state English and math standards that incorporate the Common Core State Standards, and the Head Start Child Development Early Learning Framework. For a sense of the complexity of the issue, consider one "dilemma" the presenters noted – that the national Common Core standards and Head Start framework are not themselves well-aligned. (PowerPoint: Early Childhood Standards Alignment)
Sharon Lynn Kagan and Jeanne L. Reid of Teachers College Columbia University and Catherine Scott-Little of the University of North Carolina at Greensboro are analyzing the alignment of various standards and the alignment of standards with the three assessment tools being used in Massachusetts. At the board meeting, Kagan and Reid presented an analysis of the content of infant-toddler, preschool and kindergarten standards and an analysis of the alignment of older toddler, preschool and kindergarten standards with Head Start's preschool standards. They presented findings on balance, coverage and depth, and difficulty. Here is their summary:
- Massachusetts standards contain "many examples of good alignment across the age levels," but fewer between the Head Start framework and preschool standards.
- "The progression of difficulty between the preschool and kindergarten standards was somewhat inconsistent."
- Areas that were "under-addressed" in preschool and kindergarten standards include "social and emotional development, approaches toward play and learning, English language acquisition and the cognitive processes."
Kagan and Reid recommended "creating a robust set of standards that does not ignore either of the national documents, but aligns with them as appropriate within the context of Massachusetts." They also recommended adding indicators in the under-addressed areas and "tweaking" indicators to make the progression of difficulty more consistent.
"Standards stand as a guide to move us in a general direction toward comparatively high expectations," Kagan told the board.
A panel — Deputy Commissioner Alan Ingram of the Department of Elementary and Secondary Education (ESE); Donna Traynham, head of learning support services for ESE; Linda Granville, director of children's services for the YWCA of Central Massachusetts; Superintendent Melinda Boone of the Worcester Public Schools; and Patricia Padilla, principal of Woodland Academy in Worcester — responded to the presentation.
In other news:
- The board voted to procure $3.17 million for fiscal year 2014 Educator/Provider Support (EPS) grants, established in FY11 to provide comprehensive system of professional development opportunities and services. EPS grants have focused on three core areas: educator and provider planning, coaching and mentoring, and competency development. (PowerPoint FY14 Grants: Educator/Provider Support)
- The board voted board voted to procure FY14 Coordinated Family and Community Engagement (CFCE) grants, anticipated to be funded at the FY13 level of $13.7 million, plus an additional $837,000 from federal State Advisory Council Community Support and Early Learning Challenge grants. The primary goals of the CFCE grants include community outreach, early and family literacy, and access to comprehensive services. (PowerPoint FY14 CFCE Grant).
- The board heard a presentation on the Quality Performance Report to the Administration for Children and Families (ACF),which states that receive federal Child Care Development Fund (CCDF) money are required to submit. Thomas Weierman, EEC's assistant general counsel, told the board that ACF is expected to release national data on CCDF quality activities in February 2013. EEC, he said, EEC will continue to use data from the QPR to help develop its goals for the upcoming FFY13-14 CCDF Plan, which is due June 30, 2013.
The next meeting of the Massachusetts Board of Early Education and Care will be held Tuesday, January 8, from 1-4 p.m. at EEC, 51 Sleeper Street in Boston.


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- Phone
- 540-825-4416
Visit the Culpeper Downtown Farmers Market brought to you by Culpeper Renaissance, Inc. The market open every Saturday May through November from 7:30 a.m. until noon at the East Davis Street and Commerce Street parking lot in historic downtown Culpeper. CRI president, Kelsey Carlson states "Culpeper Renaissance's goal is to enhance community life in downtown Culpeper by bringing residents and local growers together in a market setting that is friendly, fun and packed full of quality local products."
The Culpeper Downtown Farmers Market offers nearly 40 participants for this season's market. Be certain to stop by the market to pick up locally grown produce while supporting regional farmers. There is no doubt that the Culpeper Downtown Farmers Market has become a destination on Saturday mornings creating quite an attraction for the downtown district. Stroll through themarket for locally grown fruit, vegetables, herbs, mushrooms, and vibrant flowers. Taste the very best farm fresh
eggs, delicious baked goods, locally raised beef, pork, lamb, poultry, and much more. Buy Fresh! Buy Local! You'll be amazed by what's around! Become a fan of Culpeper Downtown Farmers Market on Facebook at www.facebook.com/CulpeperFarmersMarket to check out the latest offerings and information on the market.
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Our buddies Jay Howell, Andreas Trolf, and Jim Dirschberger are hyped as their show, which they've been working on for like 2 years, premieres on Nickelodeon Saturday. From the trailers we've seen so far and from what Jay has told us about, the show is going to be pretty epic. Congrats to those radical fellas.
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God Forgives I Don't, Gold
MMG Tour, Leave the money on the scale
How real is dat?
Its been a minute since I been to church
Psalm 27, can I spit a verse
Preyin on the weak, I should send some flowers
Im layin in the sheets, Im well endowed
Time to get the money Steve Forbes got
Im slowly climbin up to Lyor spot
Net worth nigga hoes love to google me
Heavy jewelry, swimmin trunks on Laguna beach
Condo on Park Ave, The mansion in Boca
20 bedrooms, My shit bigger than Oprah's
Dreams and Nightmares, Yeah Im still havin those
Side effects for niggas livin like animals
Tequila cupcake for a Kingpin
Black Bar Mitzvah niggas ain't seen shit
Obama Fundraiser - All Dope boys
Blow ya candle out so on and so forth
Boyz in da Hood, nigga game ain't change
I done made love wearin eight chains
Death to my enemies, tattoo all of my memories
Use the project ground for my assemblies
I respect the tenant, dont step on my tennis
Follow chain and command, Gunplay my lieutenant
[Hook: 2 Chainz]
They ask me what I do and who I do it for
And how I come up with this shit up in the studio
All I want for my birthday is a big booty ho
All I want for my birthday is a big booty ho
When I die, bury me inside the Gucci store
When I die, bury me inside the Louis store
All I want for my birthday is a big booty ho
All I want for my birthday is a big booty ho
[Verse 1: 2 Chainz]
She got a big booty so I call her Big Booty
Scrr..Scrr.. Wrists moving, cookin' to it
I'm in the kitchen, yams everywhere
Just made a juug, I got bands everywhere
You the realest nigga breathin' if I hold my breath
Referee, with the whistle, brrrrrt! hold his tech
Extendo clip, extendo roll
When your girl leave me she need a hair salon
Hair weave killer goin' on a trapathon
See I done had more bombs than Pakistan
Dope bomb, dro bomb, and a pill bomb
See nigga, I'm ballin', you in will call
When I die, bury me inside the jewelry store
When I die, bury me inside the Truey store
True to my religion, 2 everything I'm too different
So when I die, bury me next to 2 bitches
[Verse 2: Kanye West]
Ah, Yeezy Yeezy how you do it huh?
It's my birthday, I deserve to be greedy huh?
She holding out, she ain't givin' to the needy huh?
You go downstairs and fall asleep with the T.V. on
Ya'll been together ten years, you deserve a ménage
'Specially if you put that BMW in the garage
'Specially if you paid a couple payments on her mamma crib
Went to her niece's graduation, man, I hate those kids
Last birthday, she got you a new sweater
Put it on, give her a kiss, and tell her, "Do better"
She said, "How 'bout I get you jewelry from the West End?"
How 'bout she hit the Westin and get her best friend?
I'm jokin', I'm just serious, I asked her
Don't be actin' like no actress, if we preachin' then we practice
Don't be reachin', don't be touchin' shit
We in Kanye West's Benz
Cause I will turn you back to a pedestrian
[Verse 3: 2 Chainz (Kanye West)]
It's your birthday, it's your birthday
Bad bitch contest, you in first place
You in first place, you in first place
Bad bitch contest, you in first place
I show up with a check to your work place
(Then hand the valet the keys to the Merces)
Tell the DJ play your song, this shit come on
(What I'm seein' from the back I can't front on)
They ask me what I do and who I do it for
When I die, bury me inside the booty club
Get it girl, get it girl, get it get it girl
I might switch it up and get you girl
[Outro: 2 Chainz (Kanye West)]
Deuce and Ye
We like Snoop and Dre
Isn't this your birthday, baby?
You deserve a coupe today
(You in first place, you in first place)
Rozay spitting over Birthday song from 2 Chainz and Kanye West.


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Home > News & Events > Wayland Press Release Archives > 2005 News Releases > November 2005 > WBU Ethics Team places third in match
WBU Ethics Team places third in match
FORT WORTH – By the narrowest of margins, Wayland Baptist University's team walked away with a third place trophy from Ethics Match 2005, held recently in Fort Worth.
The team, composed of WBU students Alpha Jennings, Vanessa Garcia, Roberto Nass and Rohan Thompson, was only one point shy of tying the University of Mary Hardin-Baylor, who placed second overall. St. Edward's University in Austin won the competition.
According to sponsor Dr. Charles Starnes, assistant professor of management, the team participated in four rounds of competition, with each round pitting two schools in a debate-type format. Two cases are presented in each round, with one school tackling the issue and one school critiquing their effort, then the two trading places. Scores are given for each team and all four rounds totaled to determine the overall winner.
Ironically, the Wayland team went head-to-head with UMHB in one round, tying with their scores. But in the end, the UMHB team had a one-point lead to take second place.
Starnes said the rounds featured cases that studied various ethical issues. Specifically, Wayland's team dealt with shoplifters, handling insurance claims via company expense accounts, government contracting issues, university benefactor issues, advertising endorsement dilemmas, customer and employee integrity, employee dismissal dilemmas, and automobile dealer integrity. He was proud of the team's work.
"Throughout the day, our team members developed their skills tremendously through their own efforts and working together," Starnes said. "I was impressed with their eloquence, their insight and their application of ethical standards and integrity as they analyzed these complex cases. All four team members contributed positively in the rounds of competition."
Wayland also competed against Texas Lutheran University, East Texas Baptist University and Schreiner University. Dr. Kelly Warren, assistant professor of management, also serves as sponsor for the team.
Judges for the event included Stan McCarthy, CEO of Acme Brick; Chuck Nixon, architect; Tim Brewster, senior pastor, First United Methodist Church in Fort Worth; Jim Dublin, past chairman of the board of Texas Independent College Fund; and Bill Arnold, headmaster at Fort Worth Country Day School and a major in the US Marine Corps Reserves who recently returned from Iraq.
The event is organized by Texas Independent College Fund. A total of 18 teams competed in the match.


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Earlier this week, new regulations regarding Corporate Average Fuel Economy (CAFE) standards for 2025 were passed after much wrangling between politicians and automakers.
These new standards, which have been mandated by the Department of Transportation (DOT) and the Environmental Protection Agency (EPA) will require automaker's vehicles (both cars and light trucks) to achieve an average 54.4 miles per gallon by 2025.
At first glance, the mandate from the EPA and DOT seems like a rather large target to hit in a particularly short amount of time. Even the most fuel efficient gasoline vehicles struggle to approach that figure, with only a few hybrid-electric vehicles coming close. Needless the so say, the idea that larger trucks and sedans will be able to match the government's mandate is something we're equally skeptical and excited to see. In all likelihood automakers are going to have to put in a lot of effort and resources in order to achieving this.
Regardless of what this might mean for the likes of Ford, Volkswagen, Toyota, Honda, GM, their designers, and their engineers. What do the new CAFE standards spell for you? As it turns out, quite a lot.
In order to illustrate how the new standards will affect the average driver, we have laid out four ways in which increasing CAFE standards will likely affect the most important person. You.
Pay less at the pump
As you might have already guessed, the first major benefit to increased CAFE standards will be a reduction in how much you pay at the pump. While it's a harsh reality that gas prices continue to climb, drop, and climb back up again, (and let's be honest: that trend is unlikely to stop anytime soon) the tradeoff is that with greater fuel economy comes a lower premium paid at the pump. More miles mean fewer trips to the gas station.
Is it 2025 yet? Well, no, but that doesn't mean we won't be reaping the benefits from now until then. The year 2025 might be 13 years away, but as automakers gradually ramp up fuel economy in the coming years, expect those savings to start piling up as well. But won't car prices increase as well? That is true, though the cost of new cars is expected to rise by roughly $1,800 to meet the new demands, it is estimated that drivers could save $8,000 in gasoline costs during the life of their vehicle.
Superior cars
Although somewhat of a no-brainer, in order for cars to reach greater levels of fuel economy, they are simply going to have to get better and more efficient. Some of these improvements, like the recent trend to use smaller engine displacements with turbocharging, have helped with fuel economy, but that won't be the end of it.
If automakers are truly going to reach the standard set forth by the EPA and DOT then they are going to have to improve aspects of future models across the board. That means we'll start seeing stronger, more lightweight materials, improved aerodynamics, and even newer, more exciting technology creeping in.
Job creation
With all the research and development it will take to steadily increase the average fuel economy for each automaker, it's safe to reason that more jobs will be created to accommodate new parts and technology into the existing automotive framework. How many new jobs? Recent research from the National Resource Defense Council estimates as many as 570,000 new jobs could be created as a result of the new government regulations.
A wealth of options
The automotive market is both vast and varied. There are cars sitting on a lot right now that will cater to, and fit, your lifestyle needs with little trouble. However, for those hunting for a truly fuel-efficient vehicle, one that encroaches on the impending CAFE standards of the future, that choice remains rather limited. You can purchase a gasoline hybrid, like a Toyota Prius, a plug-in hybrid such as the Chevrolet Volt, or forgo gasoline altogether with a battery-electric car like a Nissan Leaf.
But what if your automotive needs go beyond a small-to-midsized hatchback? Currently, there are many segments that lack diesel, hybrid, or all-electric drivetrains. With the eventual increase in CAFE standards, don't be surprised to see an all-electric pickup or even a hybrid drivetrain make its way into an FRS-styled sportscar. Bottom line, there will be a lot more to choose from, and that's going to be great.
Editors' Recommendations
- 2019 Lexus UX first drive review
- Hybrid-like 2019 Ram 1500 eTorque steps up its predecessor's fuel economy
- How VW plans to leave its dirty diesel past behind with its own EV charging network
- Toyota's Corolla Touring Sports Wagon proves that hatchbacks can be pretty, too
- Flat, fast, and flexible, Volkswagen's new electric platform can power any car


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Welcome to the all new & APPROVED TheRock-Source.net. We are here to provide you with updated News, High Quality Images and so much more from The Pro Wrestler turned #1 Box Office Actor. For even more updates on Dwayne "The Rock" Johnson, follow us on social media. We hope you return daily and be sure to bookmark us!
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Director, Central Intelligence Agency (2011-2012); Commander of U.S. and International Security Assistance Forces-Afghanistan (2010-2011); Commander, U.S. Central Command (2008-2010); Commander, Multinational Force-Iraq (2007-2008). Currently Partner, KKR and Chairman, KKR Global Institute and a Judge Widney Professor at the University of Southern California
Types: Male, Military Service, University Professor
Bio Info
A highly decorated general and one of the most prominent combat commanders in American history, David H. Petraeus has dedicated his life to public service, leading military campaigns in Iraq and Afghanistan and then serving as the director of the Central Intelligence Agency.
Topics: Africa, Asia, Business Growth/Strategy/Trends, Change: Managing/Leading It, China, Communication Skills, Courage, Crisis Management, Current Events, Cyber Security, Education, Emerging Markets, Energy - Alternative & Technology, Energy - Policy , Europe, Financial Markets, Fiscal Policy, Foreign Policy - U.S., Global Economy, Innovation, Inspiring Lives , Latin America, Leadership, Middle East, Motivation, National Security, Negotiation, Overcoming Obstacles and Challenges, Patriotism, Risk Management, Teamwork, Terrorism
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In the wake of a wave of new regulations and tougher government enforcement efforts, former Chairman of the Securities and Exchange Commission Harvey Pitt analyzes the impact on business from Main Street to Wall Street.
President and CEO, Federal Reserve Bank of Philadelphia (2006-2015)
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Outspoken macroeconomic expert Charles Plosser is keenly positioned to offer a stimulating analysis and survey of the greater global economic landscape while addressing the issues most impacting your audience today and in the future.


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Saturday, 17 November 2012 10:40 AM
A small plane hit a truck on the runway during takeoff, caught fire and crashed into the woods near a coastal Maine airport, killing three people, authorities said Saturday.
The Cessna 172 was heading north on the runway early Friday evening the Knox County Regional Airport when it struck a pickup truck that was crossing the runway, authorities said. The plane continued to climb and as it turned to the east, it spiraled downward about 200 to 300 yards into the woods and immediately burst into flames, according to the Knox County sheriff's office.
With flames shooting 10 to 20 feet in the air and smoke billowing into the sky, the first people to the scene tried unsuccessfully to pull one of the occupants from the burning wreckage, said John Newcomb, president of the Downeast Air airline services company, who was among those who tried to help.
The four-seat plane was destroyed by flames, so there was no way to see its identifying number, airport manager Jeff Northgraves said, adding that officials were "fairly sure" it was not a local aircraft.
Identification of the victims awaited a review by the state medical examiner, who was removing the bodies Saturday to Augusta so they can be identified.
Investigators from the Federal Aviation Administration arrived Saturday and officials from the National Transportation Safety Board were due to arrive Saturday afternoon.
Northgraves said the truck was authorized to be on the airport grounds and was driven by a pilot. He would not identify the driver but said it was not a county vehicle, nor a county employee.
All trucks at the airport are equipped with radios to pick up any traffic from planes, Northgraves said. He said planes are required to radio their positions before, during and after takeoff. He said it wasn't known yet whether the plane that crashed had radioed its actions.
The flames were hot enough to pop the airplane's tires and to keep would-be rescuers away from the airplane, Newcomb said. Firefighters had to carry fire extinguishers to the scene of the crash because they could not get their trucks close enough.
An investigator from the Federal Aviation Administration arrived at the crash site Friday night, Northgraves said. National Transportation Safety Board officers were expected to arrive Saturday to join in the investigation.
The airport has two commercial carriers, but the plane that crashed was believed to be privately owned, officials said. The skies were clear at the time with light winds, according to the National Weather Service said.
The airport was the site of the deadliest commercial airplane crash in Maine history. More than a dozen passengers and two pilots were killed in 1979 when a de Havilland Twin Otter turboprop crashed short of the runway in foggy weather. There was only one survivor, a 16-year-old boy.
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House, Senate, both sign off on plan.
The Oklahoma House of Representatives voted to send House Bill 2077 to Gov. Mary Fallin. Authored by Rep. Randy McDaniel, R-Oklahoma City, HB 2077 offers a new defined contribution plan for future state employees.
"This bill creates a more sustainable and competitive contribution plan for future employees," said Speaker T.W. Shannon, R-Lawton. "The modern workforce is continually evolving and changing, and the state must keep up if we are to successfully recruit from that workforce."
With a defined contribution plan, the amount of the retirement value provided to an employee depends on the amount of total contribution as well as the gains or losses of the account. Most companies and some states are moving to 401(k) type plans like the one created in HB 2077 because of the improved predictability and other benefits.
"The core principles contained in HB 2077 are enhanced mobility, economic opportunity and financial freedom," said McDaniel, chairman of the House Economic Development and Financial Services Committee.
There is a cost certainty for the state once the employee decides their own personal contribution level. HB 2077 calls for a dollar-for-dollar match, up to 7 percent of salary. This is very competitive with the matching rules found in America's largest and most successful companies.
"The modern workforce wants more mobility," said Sen. Rick Brinkley, state Senate author and chair of the Senate Pension Committee. "Working for one employer an entire career is becoming uncommon. This legislation also provides superior predictability for the state."
HB 2077 offers new public employees choices. They can select this new defined contribution plan or they can choose the traditional defined benefit plan.
"The legislation builds on existing infrastructure," said McDaniel. "This is important to achieving economies of scale immediately for employees to minimize investment expenses, provide a premier selection of investment options and reduce overall risks."
Following unanimous support in the Senate, HB 2077 passed the House 72-20 and has been sent to the Governor for her approval.


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|Episode Description
|Saturday, Sep 22, 2012 - 2:00 AM
"Coming to America"
Immigration key to American history. Contrasting experiences of different groups. The challenges of indentured servitude; their contributions. Family groups in New England; roles within the family unit. The emergence of a slave society in North America. Upsurge in Scotch Irish and German immigration. G
Mountain Time
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CAMBRIDGE, Mass. – In the seventh annual MIT Quad Tournament held this past weekend, the women's volleyball team placed third. The Engineers defeated Western New England University (25-18, 29-27, 26-28, 27-25) but fell to Williams College (25-21, 25-16, 26-24) and nationally-ranked No. 17 UMass Boston (23-25, 25-17, 25-27, 25-10, 15-10). Senior Kelly Schulte (Riverside, Calif.) represented the Cardinal and Gray on the All-Tournament Team.
In the tournament opener against Williams, freshman Nicole Gagnier (Atlanta, Ga.) tallied 17 assists, six digs, three blocks, and two aces. Sophomore Tatiana Berger (Fort Lauderdale, Fla.) registered nine digs, seven kills, and two aces as junior Trinity Leonard (Mill Valley, Calif.) posted eight kills and a .375 hitting percentage. Schulte totaled seven kills and two blocks while senior Natasha Jensen (Columbia, Md.) collected 13 digs. Junior Katie Spielbauer (Lakeview, Mich.) contributed eight digs and three aces as sophomore Sharon Hao (San Jose, Calif.) added five digs.
Leonard powered MIT with 20 kills, 15 digs, and three blocks in the victory over Western New England. Schulte racked up 14 kills, a .379 hitting percentage, and four blocks as senior Cecily Joujon-Roche (Laguna Hills, Calif.) recorded 11 kills, seven aces, and three blocks. Berger bolstered the attack with 12 kills while freshman Morgan Stewart (Powell, Ohio) chipped in four blocks. Spielbauer amassed 21 digs and four aces as Jensen collected 10 digs. Gagnier rounded out the squad with 43 assists, seven digs, and three blocks.
In the back-and-forth battle with UMass Boston, Schulte paced the Engineers with 18 kills, a .429 hitting performance, and five blocks. Joujon-Roche posted 10 kills, a .318 hitting percentage, and three blocks while Leonard notched nine kills, seven digs, and two aces. Berger and sophomore Rachel Hunt (Arlington Heights, Ill.) both had five kills as Stewart added two blocks. Spielbauer compiled 18 digs and two aces while Jensen contributed seven digs and two aces. Gagnier finished the weekend with 44 assists and seven digs.


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I don't think that anyone was really surprised when hackers posted 450,000 unencrypted passwords online in what they said was a wake-up call intended to help Yahoo and spur them into improving security. That's like saying Al Capone "protected" Chicago businesses from fires, stray bullets and other "accidents."
But the sad truth is that Yahoo joins the growing list of agencies and companies that have recently had their user data stolen or attacked.
Among the stolen passwords were several hundred with federal government e-mail addresses, ending in .gov or .mil, including some from the FBI, Homeland Security Department and Transportation Security Agency, the security company Rapid 7 told CIO.
Related stories:
Why so many bad passwords? Because the rules allow them.
Agencies want more than passwords for online users
In this case, it doesn't really matter what your password was. Using an alpha numeric super string of numbers, letters and special characters wouldn't have saved you because the hackers simply stole the database that stored the information, the same type of hack that affected the Sony PlayStation network not too long ago.
However, because these "good" or white-hat hackers posted all that data online, the users' dismal password security was front and center. The guys over at Cnet wrote a program to analyze and count all the different passwords, and the results were not very pretty.
More than 2,000 people used 123456 as their password of choice. Another thousand used "password" or "password" with a number after it to keep their data secure. Almost 500 people thought "welcome" would be a better choice. There were some funny ones too, like the 27 people who used "ncc1701," which is the Starfleet designation for the USS Starship Enterprise. While not quite a common usage word, it's relevant enough to make it into a password brute-force dictionary. And I would bet my last dollar that the hackers know the designation of the Enterprise. Call it a hunch.
Of course we all know the problem. We are forced to memorize the passwords to so many secure systems these days that a human can't possibility keep track of them all unless they are exceptionally easy -- or all the same for every system we use. Or we write them down. All those options are exactly what we're not supposed to do.
My colleague Greg Crowe recently reviewed RoboForm Anywhere, a program that lets users memorize one password and access all of their systems while remaining secure. The software does the hard work for you.
That can help, and recently I've been briefed on even newer token-based systems that work about the same way as RoboForm, but with the added requirement of a USB key drive or an app on your phone before a site can be accessed. The advantage there is that even if you give up your password, as can happen in a phishing attack, hackers can't get into your account unless they have the token.
Of course, that means you can't ever lose your phone or key drive either, but that is the only method that would have kept users totally safe in this Yahoo case, so it's something to consider.
In the meantime, I've started using a password method that I think might make users a little more secure. I'm convinced that those programs that tell you how strong your password is are totally off base. What they do is estimate the degree of randomness, or entropy, exhibited by the string of characters. But password-cracker programs follow those same strategies, first searching through dictionary words, then adding numbers to the guesses then trying combinations of words.
So a password like "Green1!" would be considered strong by most programs because it uses capital and lower-case letters, a special character and a number. But it's not. I used a cracker program on a fast computer and it was able to come up with that password in about a day.
But if you instead come up with a passphrase, a seemingly random string of words that mean something to you so you can remember them, it becomes almost impossible to crack. I used "daily newspaper computer calico" and the cracker is still trying to find out what it is, even though it's all lowercase letters. I don't suspect it will ever finish.
In case you don't believe me, those funny guys over at XKCD have proved this mathematically -- and in a funny way. If they are correct, my computer should crack that password in about 500 years! Regular users can't do much to protect the backend databases, but personal passwords are in your hands. Don't fumble.
About the Author
John Breeden II is a freelance technology writer for GCN.
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Not to mention, by the time you add the common "two upper case, two lower case, two numerals, two special characters and no spaces" restriction on a twelve character password, you've actually reduced the number of possible passwords by over 99%
Nice idea, but most systems force you to use at least one captital letter, one lower case letter, one number, one symbol wtih some requirement for length, typically 15 characters in government. So pass phrases are not that simple to implement in the real world as we have it today...
I'll never forget my original Compuserve password: collie.style (only two words and a special character) -- so are you saying that simpler is better?
Another letter substitution is to move your fingers to different home positions when putting in the phrase. This can add numbers and special characters if you move them up and have capital letters in the phrase. And you can try alternating first and second letters with every first letter assumed to be capital. Get creative with yourself.
Don't you think creating "safe" or "strong" passwords is kind of a moot point? People need to understand that neither the strength of your password or having it locked-up in Fort Knox will mean anything when it is stolen from the source! The only real solution is to add additional layers of authentication for access and transaction verification without unreasonable complexity and this will of help to their customers if they implement some form of a two-step or two-factor authentication were you can telesign into your account and have the security knowing you are protected if your password were to be stolen. You might want to spent more time encouraging users to opt-in for this since it is available to their users and is called "second sign-in verification"? It is not promoted but it is available.
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Forward Andre Akpan made an astute observation the other day on twitter that got us thinking. Are there other players who look like people we've seen - whether other celebrities or just people down the street?
Holy look-a-like! Tony @Cascio14 = Adrien Brody image.toutlecine.com/photos/o/x/y/o…— André Akpan (@auakpan) February 23, 2012
Rapids rookie Tony Cascio (left) and Academy Award winner actor Adrien Brody:


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Kobe Bryant's cemented a well-earned reputation for managing his pain level.
But hours after the Lakers' 95-90 victory Tuesday over the New Jersey Nets, the Lakers' star found himself halting his halt cycle to treat his strained right foot and ankle.
"Had a hard time sleeping last night," Bryant said on his Facebook. "Ankle still throbbing. Had to get up every few hours to ice it. Tried The Stones and The Beatles and I gotta say I'm into it! It has a calm aggression. Sets the tone for our game tonight in Sacramento."
Regardless, Bryant still plans to suit up against the Kings.


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Cephalopods at the National Museum of Natural History
Yes, it's a cephalopod! This squid and other cephalopods are featured in the Cephalopod pages maintained at the National Museum of Natural History, Department of Invertebrate Zoology! See the following links for more information on cephalopods.
- Cephalopods in Action. This is a multimedia appendix to published papers, that features video clips of cephalopods filmed from submersibles. Included are :
- Introducing an interactive key to the families of the
Try this, it's exciting!
- Giant Squid pages.
This page was created by Jim Felley, Mike Vecchione, Clyde Roper, Mike Sweeney, and Tyler Christensen. If you have questions or comments, contact Mike Vecchione.
This page was last updated on November 1, 2010


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How reliant are you on your smartphone? If you think about the sheer amount of information it provides every second of every day, and the ability for it to provide directions, send reminders, pay bills, provide ample distractions (for adults and kids alike!), it's no wonder that many people find themselves to be highly reliant on these mobile devices.
Life360, a provider of mobile personal safety applications, recently conducted a survey of 500 of its users to find out just how closely they are tethered to their cell phones. When asked what it would take for women to give up their smartphones for a day, 32 percent would for a day at the spa, 15 percent would for some new clothes or accessories and 11 percent would for dinner at her favorite restaurant. But a steadfast and mobile-reliant 28 percent said they would NOT give up their cell phones, even if they were paid!
Smartphones seem to be running the family too. Fifty-seven percent of respondents guessed that all family members over the age of 13 would own cell phones within the next 18 months. And for all the moms, dads, sons and daughters who are already smartly connected via their smartphones, just how many times are they checking in per day? The majority of respondents (44 percent) check in one to five times each day, 16.5 percent check in five to ten times and 13% check in ten or more times per day. Would you call your kid 10x a day? The benefit to smartphones for parents is making sure their kids are safe, which is the main reason why 56 percent of survey respondents gave devices to their kids.
While moms are checking in with their families multiple times a day and would only give up their phones for massages, new shoes, nice dinners, or not at all, it's clear that the love affair is strong. More than half of moms in the study said they check their cell phones within five minutes of waking up, and more than three-quarters admit to using their cell phones in the last 10-15 minutes before going to bed.
If moms are this reliant now, it'll be interesting to see what it'll be like in five years when 73 percent of moms estimate being even more reliant on their phones. And it's not just phone usage, another study found that the majority of moms can't go a whole day without using the Internet. The tie to devices is so strong that a term has even been created for those who fear being without them: nomophobia.
Where do you rank on the reliance scale? Would you give up your phone for a day at the spa?
If you have a question for Screen Play or would like to submit a product for consideration, please contact firstname.lastname@example.com.


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- Home
- Departments & Services
- Departments
- City Manager's Office
- Healdsburg City Hall Addition and Alterations
Healdsburg City Hall Addition and Alterations
City Hall Addition and Alteration Project
Completion – Summer 2018
Utility Billing and the CDC will remain open during regular business hours during construction.
In 2015, staff started researching the feasibility of relocating the Community Development Center ("CDC") employees, which consist of Public Works and Electric Engineering, as well as Building and Planning. Currently, the space utilized by the CDC no longer accommodates all of the employees and existing working conditions are no longer tolerable. The City pays in excess of $75,000 annually in rent for the current CDC location. Staff released a statement of qualifications, soliciting proposals and experience from qualified firms to design a conceptual plan for a City Hall Remodel. On August 18, 2015, the City Council awarded the agreement to Gelfand Partners Architects.
After multiple meetings, revised designs and public outreach, the Council on December 19, 2016, adopted a resolution awarding the contract for the construction of the City Hall Addition and Alteration Project to Carr's Construction Service, Inc. and appropriated the budget in whole.
The project consists of renovating the existing 9,200 square foot City Hall capitalizing on a surplus of underutilized space, creating a two-story 4,300 square foot addition and associated site improvements as well as exterior repairs. The scope includes holistic renovations to the HVAC and lighting in City Hall to reduce energy use and make City Hall Zero Net Energy Ready.
Temporary relocation of staff has already begun. Information Services has been relocated to the Corporation Yard; Housing and Human Resources to the CDC; and Finance has moved to the Community Center. The City Manager, Clerk and Utility Billing are projected to remain in the City Hall building during construction. Utility Billing and the CDC will remain open during regular business hours during construction.
The project budget is $6.1 million funded with set-aside capital replacement funds, service funds, and 15-year loans from the electric and wastewater utility funds. There will be no fiscal impact to ratepayers and both utilities will continue to exceed Council adopted reserve policy.
Please contact Assistant City Manager, Heather Ippoliti with any questions or concerns at email@example.com 707-431-3319. All calls to be returned in 24 hours.


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Moody Radio has gone mobile! Now you can take Moody Radio with you wherever you go on your iOS device.
Listen to Moody Radio to get the latest news, weather and programming from your local station. You can also listen live or on-demand to the Moody Radio programs you don't want to miss like In the Market with Janet Parshall, Chris Fabry Live! and Moody Presents without downloading or syncing. Travelling out of state? Find a full list of Moody Radio stations and tune into what's going on locally. You can also view a full weekly program schedule to see when your favorite program will air on any Moody Radio station around the country.
Looking for an uplifting soundtrack or an encouraging message to fuel your day? Stream any of Moody Radio's Internet stations including The Praise & Worship Channel, Majesty Radio, Urban Praise and Proclaim.
Just finished listening to an amazing program and want to share it with your friends? Share the program description and a link to listen through e-mail with anyone in your address book.
- Listen live to any of Moody Radio's radio stations, as well as several Internet stations.
- Stream recent episodes from your favorite programs on-demand without downloading or syncing.
- View a full weekly program schedule, so you never miss the programming you love!
- Share a brief description and listen link to the programs you're listening to with anyone through e-mail.


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Assistance in an
evolving environment.
Procopé & Hornborg Ltd, Attorneys at Law, is specialised in business law, with decades of experience of delivering legal services. We provide our clients with quality services in Finland and abroad. We pursue to resolve legal challenges related to business operations by offering individualised and proactive services. Our advanced working methods help us to gain thorough insight into the challenges faced by our clients. We successfully advocate for each case that we handle.


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Man jailed for stealing employer's property
A man has been sentenced to three years imprisonment for stealing $30,000 worth of construction and engineering equipment from his employer. The stolen items include a .22 rifle and a 12-gauge gun. Appearing before Justice Vui Clarence Nelson in the Supreme Court yesterday, Taeao Luteru of Gataivai Savaii and Pesega pleaded guilty to burglary and theft as a servant.
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Expect more rain in festive season
Samoa can expect more rain in the coming weeks, says Samoa Meteorological Office Acting C.E.O. Mulipola Ausetalia Titimaea. Mulipola said the rain experienced over the past few days is expected to clear off over the weekend as the trough of low pressure lying over Samoa moves away.
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Papua New Guinea's betel high defies control, convention
A ubiquitous sight in Papua New Guinea's capital is men, women and children chewing betel nut combined with slaked lime and mustard bean, turning lips, teeth and tongue a dark red, and producing a mild high.
156 Hits
Allies rally to UK's May amid leadership woes over Brexit
British Prime Minister Theresa May won support for her beleaguered Brexit deal Friday from key politicians and business groups, but she remained besieged by internal party opponents determined to oust her.
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Power beats pace in Manu Sina win over Papua New Guinea
Samoa were good value for their 45-56 win against Papua New Guinea in the opening game of the Oceania Rugby Women's Championship. They dominated set pieces and the collisions, but some poor kick defence and mistakes let Papua New Guinea stay in the game.
343 Hits
Wales make 14 changes for Tonga, fullback Holmes to debut
Jonah Holmes will debut at fullback in a Wales side with 14 changes playing Tonga on Saturday in Cardiff.
129 Hits


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ECS G33T-M2 MicroATX Motherboard
It's just about time for school, and everyone is looking to upgrade their current computer or to build an inexpensive computer that will get the requested tasks done. Maybe you just need another computer for the kids or grandparents, but you don't want to break the bank getting one. At today's prices, you can build yourself a decent machine without spending more than five hundred dollars. All you'll need is a motherboard, processor, memory, hard drive, CD drive, power supply, and a case. You don't necessarily need a video card if you have onboard graphics on the motherboard. The ECS G33T-M2 motherboard is what we'll be looking at today and it has onboard video, which will save you at least one hundred dollars since you don't have to purchase a graphics card. Can this motherboard give you the performance you need while keeping your wallet full? Remember, this is not going to be used in your main rig or gaming computer, but rather in a computer that you can build with components lying around the house. Join us as we examine this ECS G33T-M2 motherboard.
ECS (Elite Group) has been designing and manufacturing motherboards since 1987. The company continues to provide all ranges of motherboards and now manufactures complete and barebone systems to cater to the needs of a variety of users. ECS strives to stay among the elite of its respective markets by delivering honest and high quality products.
Closer Look:
The box that the ECS G33T-M2 motherboard is shipped in is a really nicely designed box that looks very professional. On the front of the box, there is a cool looking cube that is exploding open. The back of the box has a diagram with all of the features and their descriptions. Once you open the box, you'll see all of the accessories on top of the motherboard, which is in an anti-static bag.


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The Canadian Anesthesiologists? Society (CAS) offers Operating Grants to qualified faculty to cover the direct costs of conducting a research project. An applicant may be at any stage of his/her career development, but must hold a faculty appointment at a Canadian medical school.
email@example.com Eglinton Avenue East, Suite 208TORONTO, Ontario, Canada416 480-0602


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On a crisp morning last Fall not far from Mývatn, I was outdoors meditating on the stillness of the early hour, entranced by the signature quietude Iceland is known for. Soon a bus arrived and disgorged a large group of Chinese visitors, shattering the peace. The herd busied itself with the mandatory selfies, punctuated by a cacophony of yelling and chatter. Fifteen minutes later they were gone, but not before fouling the purity of the atmosphere. My Icelandic friend, a sensitive soul from the rural parts, shook his head in disbelief.
This was just the first human cargo of the day and the cycle was going to repeat multiple times over the next few hours, he lamented. After all, Iceland is now on the "bucket list" of a billion people around the world. Days earlier during excursions into remote areas of the Highlands, we had espied trash strewn about. The number of times we came across litter in what are meant to be pristine areas was alarming.
At my hotel in Grindavík, I was witness to a noisy group at the breakfast buffet, dipping fingers directly into the tray of butter. The jostling at Keflavík now resembles an unpleasant bus station in crowded Third World countries. Not even the luxury of Saga Class travel on Icelandair insulates you – unkempt cabins, filthy bathrooms and apathetic service define the experience. But so long as the dollars keep rolling in, who cares?
How did Iceland come to this? This is no longer the Iceland I fell in love with over a decade ago and dedicated myself to exploring photographically. The Golden Circle is no longer golden but reduced to a cheap rusty trinket for the hordes checking off their "bucket list." Jökulsárlón has become a zoo of drones and bodies. In summer, there are more people than midges in Mývatn. Who destroyed the Icelandic solitude?
To me, it wasn't a matter of flying in, shooting up a terabyte worth of photos, and flying out. I devoted time to studying Iceland, its history, people and cultural nuances. I can read and pronounce Icelandic words, not expertly but good enough to pass muster. To now witness the distortion of the land, its ethos, and the fundamental transformation – for the worse - in its people is dispiriting. It feels like a violation, a desecration. What was once an open society and at its core a uniquely decent people seem much less so.
I have seen this movie before. I was born and raised in tiny Goa, on the west coast of India, once an idyll, now destroyed by tourism and the deluge from the rest of India. It didn't take long to turn that paradise into a swamp. I fear the same fate awaits Iceland. The worst is yet to come. Wait until the Indians and Chinese 'discover' Iceland (well, the Chinese already have). Can the tourism genie be put back into the bottle and the ongoing disaster reined in? I'm afraid the answer is No. The powerful financial interests that benefit from the current situation will scuttle any attempt to derail their gravy train. If anything, Icelandair wants to ferry in even more bodies with every passing year.
There is one and only one way out for Iceland and it is not pleasant to contemplate. It isn't something I hope for, given the hardship it will bring to a lot of Icelanders. Recall that it was the Eyjafjallajökull eruption that inaugurated this tourism boom. Another eruption – Katla? - can end it. But the strength of the eruption has to be in the sweet spot – strong enough to disrupt tourism but not so strong that human life is endangered. So – will Katla save Iceland? Do Icelanders want to save Iceland?


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San Diego Wholesale Flowers & Bouquets
Local Carlsbad Florist & Flower Delivery
Phone: 858-505-0055
Email Address: email@example.com
1205 Aviara Parkway, Carlsbad CA 92011
Queen Anne's Lace ranks among one of the more unique fillers we offer. Because of its unique and fun appearance, it is widely used throughout both the wedding flower and wholesale flower industries and is often incorporated into bouquets of wedding flowers and other arrangements of wholesale flowers. Description: Queen Anne's Lace is best characterized by its green color and flower heads consisting of multiple little blooms. Queen Anne's Lace measures about 24 inches in height and each bloom is about 5 inches in diameter.
If you love fresh flowers San Diego Wholesale Flowers & Bouquets is the place for you.
A large selection and some of the best prices in town. Not those cheapo bodega flowers that never seem to last more than two or three days, these are the real deal.
San Diego Wholesale Flowers & Bouquets offers fresh, high quality, farm direct flowers from around the world at wholesale pricing. From San Diego Wholesale Florist you can expect consistently high quality, fresh flowers week in and week out. Customers often come to SDWFB for the first time because of our reputation as a respected wholesale San Diego florist, but we become their primary resource for fresh flowers because of their favorable experiences with us.
Do It Yourself wedding flower arrangements have never been easier! We carry the most popular flowers for wedding bouquets, table centerpieces and floral arrangements. Our company offers full service San Diego Wedding Flowers and Wedding Decor. Please give us a call at 858-505-0055 to set up a complimentary consultation for your event.
From school fundraisers to corporate events, weddings, from birthday parties and anniversaries to proms, graduations and first communions we have the selection, availability and pricing to meet your demands.
Select your favorite flowers and colors, and let's get started designing your unforgettable event. And never pay retail again!


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Introduction to Global EntrepreneurshipCarret icon
(3 cr.) This course introduces students to the major topics in global entrepreneurship, including: 1) the critical roles of national governments, multilateral institutions and international agreements in shaping the rules and conditions that shaped global opportunities and challenges; 2) the role of international entrepreneurship in this complex global environment; and 3) issues concerning how to identify opportunities, build a start-up, manage its growth and resources in a global environment. The course introduces some important skills, such as country risk analysis, business model building and valuation of an international business opportunity. The course is taught by lecture, case analysis and experiential projects. Prerequisite: IB 201., Every Year, Spring
Section 01
- Instructor
- Rifat Sharmelly, Ph.D
- Days
- Time
- 5:00 pm - 6:15 pm
- Location
- Room


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'Epic' Trailer #3: Famous Voices Congregate in a CG Forest
Posted on Thursday, March 21st, 2013 by Angie Han
Sure, it's got noble warriors, a vicious villain, a graceful queen, and an old, bitter feud, but the most epic thing about Epic may be the voice cast. Amanda Seyfried leads as Mary Katherine, an ordinary girl who somehow gets shrunk down and finds herself involved in the grand yet very, very tiny battle between the protectors and the destroyers of the forest.
The characters she meets along the way are voiced by the likes of Christoph Waltz, Colin Farrell, Josh Hutcherson, Aziz Ansari, Chris O'Dowd, Blake Anderson, Steven Tyler, Beyoncé Knowles, and Pitbull. Jason Sudeikis voices her father. The latest trailer makes sure the emphasize just how many celebrities have gone into the making of this movie. Watch it after the jump.


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SAN JOSE, Calif. — September 19, 2013 — North America-based manufacturers of semiconductor equipment posted $1.06 billion in orders worldwide in August 2013 (three-month average basis) and a book-to-bill ratio of 0.98, according to the August EMDS Book-to-Bill Report published today by SEMI. A book-to-bill of 0.98 means that $98 worth of orders were received for every $100 of product billed for the month.
The three-month average of worldwide bookings in August 2013 was $1.06 billion. The bookings figure is 11.9 percent lower than the final July 2013 level of $1.21 billion, and is 2.7 percent lower than the August 2012 order level of $1.09 billion.
The three-month average of worldwide billings in August 2013 was $1.08 billion. The billings figure is 10.1 percent lower than the final July 2013 level of $1.20 billion, and is 18.7 percent lower than the August 2012 billings level of $1.33 billion.
"The SEMI Book-to-Bill ratio slipped below parity as the three-month average bookings declined in August," said Denny McGuirk, president and CEO of SEMI. "While some investment activity may be slowing, we see spending by foundries and flash memory suppliers to be key drivers for investments for the remainder of the year and into 2014."
The SEMI book-to-bill is a ratio of three-month moving averages of worldwide bookings and billings for North American-based semiconductor equipment manufacturers. Billings and bookings figures are in millions of U.S. dollars.
March 2013
April 2013
May 2013
June 2013
July 2013 (final)
August 2013 (prelim)
Source: SEMI, September 2013
The data contained in this release were compiled by David Powell, Inc., an independent financial services firm, without audit, from data submitted directly by the participants. SEMI and David Powell, Inc. assume no responsibility for the accuracy of the underlying data.
The data are contained in a monthly Book-to-Bill Report published by SEMI. The report tracks billings and bookings worldwide of North American-headquartered manufacturers of equipment used to manufacture semiconductor devices, not billings and bookings of the chips themselves. The Book-to-Bill report is one of three reports included with the Equipment Market Data Subscription (EMDS).
SEMI is the global industry association serving the nano- and micro-electronic manufacturing supply chains. Our 1,900 member companies are the engine of the future, enabling smarter, faster and more economical products that improve our lives. Since 1970, SEMI has been committed to helping members grow more profitably, create new markets and meet common industry challenges. SEMI maintains offices in Bangalore, Beijing, Berlin, Brussels, Grenoble, Hsinchu, Moscow, San Jose, Seoul, Shanghai, Singapore, Tokyo, and Washington, D.C. For more information, visit www.semi.org.
Association Contacts
Dan Tracy/SEMI
Phone: 1.408.943.7987
Email: firstname.lastname@example.com
Deborah Geiger/SEMI
Phone: 1.408.943.7988
Email: firstname.lastname@example.com
Next SEMI Book-to-Bill: October 17, 2013 at 3:00pm Pacific Daylight Time (PDT)
For information on SEAJ Book-to-Bill Report, visit www.seaj.or.jp
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Ben's Parisian Flat
Name: Ben
Location: Paris, France
I'm living in Paris with my wife and our two daughters, aged 5 and 2. Both of us are architects and we are renting a flat in the center of Paris, in a Haussmannian buiding from the XIXth century — original marble fireplace, plaster moldings and wood parquet. I set up my collection of mid-century design classics from the Eames to Jacobsen, personnal vintage stuff and artworks from Mathew Barney or from friends.
Both chic like Fornasetti plates or Poul Kjaerholm design and cheap like an Ikea sofa to allow kids to jump on it.
Vintage wood flooring, white plaster walls, all is in the details; the stuff I got from flea-markets and drawings from our daughters. Hope you like it...
Thanks, Ben !
• HOUSE TOUR ARCHIVE Check out past house tours here
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Muscle Flex Activewear Defined
Muscle: A band or bundle of fibrous tissue that has the ability to contract, producing movement in or maintaining the position of parts of the body.
Flex: The action or state of flexing or movement of a muscle
Activewear: Clothing designed to be worn for sports, exercise and outdoor activities.
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Performance Activewear: High performance women's activewear, workout clothing, yoga clothing and running clothes with the highest level of performance, construction and fabric.
Women's Activewear: Mid - high performance women's activewear that also easily transitions from gym to street. Quality fabrics and construction.
Sport Fashion: Women's clothing made for athletic physiques. Most of these pieces are for fashion purposes by some are fabulous lightweight activewear staples as well.
Women's Swimwear: Our high quality women's swimwear, bikinis and two piece swimsuits have amazing sassy style and fit for athletic body types.


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The ClimaCool Performance Polo from Adidas is a new addition to the upcoming 2016 collection. This lightweight and breathable polo is equipped with ClimaCool technology to provide zonal cooling and lasting comfort. Engineered to wick moisture away from the skin, you'll stay dry and confident on the course and off.
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