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|2010 Legislative Outlook: Foggy, with a certainty of storms
Debate over financial reform pits House, Senate, Fed, and White House plans. What emerges will dictate the industry's future for years
By Steve Cocheo, executive editor, and Bill Streeter, editor-in-chief
What's 5%? In many situations, not much.
But sometimes, a small percentage can make a big difference. And the House approach to financial regulatory reform—H.R. 4173, "The Wall Street Reform and Consumer Protection Act of 2009"—contains a provision, minor in comparison to the legislation's overall scope, that is potentially industry-altering. It's a strong example, and not the only one, of the kind of change that the country could see in financial services, depending on how a final banking law emerges from Congress and the President's desk.
Assessing where things stand
The federal government has been considering legislation relating to the financial crisis for a bit more than a year.
When that journey began, "there was uncertainty as to whether some institutions would survive into the next quarter, in some instances," recalls ABA's Robert Davis, executive vice-president, mortgage finance, risk management, and public policy. "That is not the question now. But the uncertainty is just as great—and, in some ways, even greater—about the viability of certain lines of business that we've come to think of as traditional."
Davis says that the pending legislation—which passed the House in mid-December, and which remains pending in different form in the Senate—is on some levels actually "frightening, because you would think that there would be greater certainties regarding the nature of the federal solution—but we don't have that yet."
Which brings us back to 5%.
H.R. 4173 makes 5% a very meaningful number by dictating that institutions that sell loans to secondary markets must retain 5% of the credits sold. The intent is to ensure that lenders have "skin in the game," and thus pay closer attention to credit quality, rather than going for volume and unloading loans completely on an unsuspecting investor.
"The decision to be in a secondary market for any type of loan asset is really up in the air right now," continued Davis, in an interview featuring himself and fellow ABA officials Floyd Stoner and Wayne Abernathy.
Adds Stoner, ABA executive vice-president for congressional relations: "How this turns out will affect all participants in the secondary market process, from loan originators, to securitizers, to investors. There will be broad implications."
The broadest of all is that which dominates much congressional and presidential rhetoric: credit availability.
"Bank portfolios are showing the typical damage that comes from a deep, long recession," said Wayne Abernathy, executive vice-president, financial institutions policy and regulatory affairs. "But the securities markets have been devastated. And, unfortunately, many of the possible new rules resulting from this legislation may make it very hard for those secondary markets to come back. And without them, banks can't off-load their loans and turn around that capital to make new ones."
Abernathy predicts that, unchecked, this will lead to a return to the type of smaller, more limited economy of 30-odd years ago.
"As a lot of the slack in the economy gets taken up again, the nation will need more financing, and at some point, banks will have to say, 'We're financed out'," posits Abernathy. "And then, you'll see some very serious constraints on the economy."
Megapackage grinds on
Mind you, what these ABA lobbyists are discussing is still a bill, not law, but many aspects beyond the 5% issue loom as potentially game changing. Especially because they won't occur in a vacuum. Going back to the "skin in the game" provision, federal banking capital rules designed long ago didn't contemplate such an outcome. If there was any way a loan or package of them could come back to a bank, a sale hadn't really taken place for capital purposes.
If that weren't enough, pending accounting rule changes make the final outcome worrisome for lenders as well.
"Statements of Financial Accounting 166 and 167 are bringing things that were formerly off-balance-sheet back on balance sheet," said Davis. "We're arguing strenuously that capital rules can't be applied as if sales would be done as an on-off switch. But the regulators and the accounting profession haven't really synched up yet, to let bankers know clearly what the real capital requirements are going to be."
One of the positives of H.R. 4173, in ABA's view, is that the House's proposed "Financial Stability Council" will be empowered to review accounting standards and policies as they impinge on systemic risk. Abernathy sees this as a critical counterbalance to the Financial Accounting Standards Board.
"The board has acted as if they believe, 'Our model is Truth'," said Abernathy, "and that, 'If you're not in favor of the standards that we've come out with, you're in favor of deception and fraud'."
Beyond the challenge individual sections of the legislation represent, the lobbyists warn of competitive impact. ABA worries that the implications loom especially large now. Banks constrained in lending will likely wind up watching providers of alternative forms of credit snatch up business. It has happened before. "And each time it happened," said Abernathy, "the banking industry has come out a smaller part of the economy." And yet, when the newcomers stumble and fall—think of mortgage brokers and subprime giants—the nation turns to banking to step in.
Mid-game, or thereabouts…
Stoner, Abernathy, and Davis spoke of the challenges of the current environment during a rare lull in the development of the legislation. Where in the bigger game does the industry stand?
"I can't say that we are definitely at half-time yet," said Stoner, "but the climate is incredibly difficult."
Stoner explains that the industry suffers from public perceptions of its relative health when many people are still hurting.
"In some ways, banks are coming back a little earlier than the rest of the economy," Stoner says, "and that makes for very difficult politics right now. When you have unemployment as high as it is, you have to have sectors of the economy coming back for jobs to be created. But until they are created, the public is very, very concerned about what they perceive as a disconnect between who is benefiting and who isn't."
Stoner, a Hill veteran, spoke both to the timing and the outlook for banking legislation in the Senate.
"The dynamic there is different," he said. "There are bipartisan groups working in the Senate Banking Committee on various parts of the proposal. And we believe that that bipartisan approach has the potential to work through a number of issues that still challenge. The recent announcement by Senate Banking Committee Chairman Chris Dodd that he is not seeking reelection will give him even more of an opportunity to pursue bipartisan legislation." [To read ABA's recent letter to Senate Banking Committee leaders, click here.]
Indeed, the trio credits bankers' grassroots efforts—both in person and through more than 300,000 letters and emails—for improvements made in the House version. Such efforts will be critical, again, as the Senate moves forward. [Visit ABA's Grassroots Center.]
Stoner sees the Senate's final legislation passing this spring. After that, reconciliation of the House and Senate versions will be a question mark, right down to how that resolution will be engineered.
The trio discussed several major issues at length.
There's been a great deal of controversy about the Fed—its role, its powers, its special status—throughout this process. The House approach makes the Fed a super-regulator in some respects but would impose new limitations, as well. The Senate would strip away many traditional functions. How do you see this playing out?
Abernathy The Fed's role will never be the same, whatever the legislative outcome. It was changed through the course of last year. And right now I don't think anybody inside or outside the Fed is really sure of what the new role of the Fed will be. In some senses, it's going to be defined by legislation, but much of what has happened on an ad hoc basis for expediency's sake may also become permanent.
Many issues are evolving: What will be the Fed's role in regard to non-banks? What is its role with regard to holding companies that may have a little bit of a bank component but are mostly something else?
Stoner But there is a political sense now that the Fed should have more control from the outside. It is unfortunate in the manner in which it is coming out. We are very concerned about protecting the Fed's independence.
In H.R. 4173, there is an amendment—adopted over the opposition of Chairman [Barney] Frank (D.-Mass., House Financial Services Committee)—which would order the Government Accountability Office to audit much of the Fed's operations. That was pushed for years, but it hadn't received such broad political support before.
Abernathy Most of the criticism has been over the Fed's performance in the regulatory sphere. But in the efforts to address those regulatory concerns, Fed critics may also be compromising the monetary policy role.
Will that GAO provision survive the Senate?
Stoner That precise provision may not prevail. But some Fed-related provisions will.
Davis This reflects the financial crisis. Ed Yingling [ABA president and CEO] has said that the more things you give the Fed to do, the less political independence it will have. And that's turning out to be the case.
Through the 1990s the Fed lived in a comparative golden age, in terms of political pressure. It was allowed to focus on one thing that it could do well—maintain stable prices. And some argue that's really the only thing it should be doing. But if you add more targets and more objectives—and that's what's happening right now—independence becomes harder and harder to maintain.
Systemic Risk
This relates to the whole subject of systemic risk, a particularly complex part of H.R. 4173 and of the Senate's initial language. In both cases, the Fed would play a key role. Is that a good thing?
Stoner First, recognize that under both approaches systemic risk will be handled by a council of regulators, not just the Fed. That's something ABA has supported. But we also consider it absolutely essential that there be an effective mechanism for addressing institutions that are systemically important and potentially too big to fail. So you're going to have to have a fair amount of authority somewhere—and the Fed is very accomplished and has many of these authorities now.
Abernathy The Fed was created for systemic risk issues. Its evolution towards a larger role in the financial services industry more broadly is one of the more significant disagreements between the House and the initial Senate approach (which would strip away regulatory powers), so that issue is going to be pretty hotly debated.
Davis Regardless of the institutional mechanics, it is significant to have people agree that systemic risk is very important. And you will never again have a regulator be able to say, "I'm only worried about the safety and soundness of this institution on a narrow basis." There was an element of it being no one's job, beforehand.
The eventual mechanism that oversees systemic risk may not be perfect. Maybe it will be changed over time. Maybe it will evolve into something else.
But I don't think there's going to be a point where the regulators don't think systemic risk is important. And that's a major step.
Abernathy For a long time the banking industry complained a little bit—but probably not loudly enough—about the risks building up outside of the industry. We felt comfortable that the existing regulatory apparatus would take care of any systemic risks in the banking world.
We had a good system. And bankers kind of felt that somehow, activity outside the banking world would take care of itself. We've learned over the past year and a half that it not only may not do so, but also that while officials are trying to take care of it, banking can get caught in the fallout.
Stoner While the House bill addressed some of the risks that come from the non-banking sector, we agree with those who say that it should be much stronger in that area.
Consumer Financial Protection Agency
The original Obama Administration approach to the CFPA was amended somewhat in H.R. 4173, whereas the Senate language more closely follows the original blueprint. Notable in the House version is that examination of banks and savings institutions under $10 billion in assets would remain in the hands of their safety and soundness regulator.
ABA continues to oppose CFPA, in part because the proposed new agency would be writing the rules for everyone, without any duty to consider safety and soundness. Are there other factors?
Stoner We have been making the point throughout the debate that a case can be made for increasing the consumer focus of the prudential regulators, but that the problem remains that this new agency would have no effective way to get its hooks into the non-banks.
So, as far as we are concerned, you could have a robust consumer protection examination component of examinations for insured institutions—and these examinations already exist—but none for their competitors, who were the major cause of the economic problems we are now facing. That is not acceptable.
Bankers complain this is going to fall disproportionately on them because "everyone knows where to find a bank."
Abernathy That's been the experience over time. If you look just in the mortgage and housing area, new regulations were piled onto the banks. As a result, over two decades banks steadily lost share.
That was because they couldn't originate mortgages as quickly and as inexpensively as their non-bank competitors. Or they weren't willing to cut corners.
Backers of CFPA say it would go after the non-banks, too. I don't think it would. I think it pretends to. I think it would actually be very counter productive.
Davis There's going to be one regulation but whether you comply or not determines what your cost is. If you're not supervised, your level of compliance might be much lower.
Stoner Knowing that you're going to be examined every year to 18 months has an impact on behavior. And our concern is these other institutions won't have that potential examination, and, therefore, what's the point to their complying?
Impact on Credit Availability
A farm banker recently spoke about being ordered to stop making feedlot loans. The examiner insisted such credit was a commercial real estate loan and therefore the kind of loan the team wanted to see no more of. Will this type of situation get worse under new legislation?
Abernathy You see a lot of that. We've been warning Washington about a regulator-induced credit crunch for well over a year, and unfortunately, all of our warnings have come true.
Regulators like bright-line rules. But to the extent you have them, you take flexibility out of lending. And then you have some very odd consequences. You have good credit risks being denied because of the way the rule is written, and then you're going to have some people that you shake your head at, wondering why they get credit—but they fit the rules.
That's why we continually urge regulators to provide clear rules, but with flexibility.
Davis Funny mixed messages come out of government at times like this. Depending on the day of the week you're supposed to take more risk or less risk. You can't simultaneously take more risk and less risk. You can try to take smarter risks but then the regulators need to give you adequate leeway to make some judgments.
What will we see when Congress is done?
Stoner Our concern is that it will be boxes with hard lines. It's easier, legislatively, to do that, than to create a system that recognizes, as Bob said, that there's no lending without risk and that it takes judgment.
Charters and preemption debates
Two issues wrapped up in the pending legislation, virtually invisible to the public, yet of critical industry interest, are charter choice and federal preemption.
Davis said the level of interest, and grassroots response, on charter choice in the savings business has been "interesting and gratifying." Bankers see "you are better off with choices, even if they hadn't made that particular choice," he said.
In H.R. 4173, the thrift charter survives, though the Office of Thrift Supervision would be absorbed into the Comptroller's Office. Senate language, however, currently would bar any new federal thrift charters, and eliminate a federal thrift regulator.
Preemption for national banks and federal thrifts looked doomed as the House debated the legislation at the committee level. But Stoner said that the industry found allies that helped regain some of the lost ground in H.R. 4173 as passed.
"We worked closely with the state bankers associations on this, because it is something that affects banks of all sizes," said Stoner. "We were pleased that as the House process evolved, members recognized this. There was a major push by the New Democrats, a group of moderates, particularly Rep. Melissa Bean (D.-Ill.), to make sure this was corrected before the bill went to the House floor."
While what resulted was a significant improvement, Stoner notes that the situation in the Senate is still unclear. "We do know there is bipartisan concern about it," he says, "because there are those who recognize the importance of having a national standard for a national market."
"It's not an accident that preemption for national banks has been a policy since the 1860s," said Abernathy. BJ
ABA has published a comprehensive guide to its current policy positions. To read it, members may click here.
The electronic version of this article available at: http://www.nxtbook.com/nxtbooks/sb/ababj0110/index.php?startid=14
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Exhibition-Related in March 2013
Free Family Day: Art of Asia!
- Saturday, March 2, 2013
- Museum of Art
Kids can decorate small fabric scrolls, make poetry collages and prints inspired by the art on view in the Collecting Art of Asia exhibition. Enjoy free snacks and a restful "book nook" reading area. Smith student volunteers, including a Spanish-speaking greeter staffing the information desk, will facilitate the event.
Projects designed for ages 4+ with adult. Family Days are free and open to all. Wheelchair and stroller accessible.
No registration required; drop-in anytime during Family Day hours (project areas close at 3PM, galleries will remain open until 4PM).


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The World At Night confirms plans for 2010
23 February 2010
The World At Night (TWAN) is an IYA2009 Special project which produces and presents collections of stunning photographs and time-lapse videos of the world's landmarks against the celestial attractions. The eternally peaceful sky looks the same above symbols of all nations and regions, attesting to the truly unified nature of Earth as a planet rather than an amalgam of human-designated territories. TWAN has announced its plans for 2010, and looks set to go from strength to strength.
TWAN travelling exhibitions will continue in the US, Canada, Iran, Chile, Korea, Hungary, Germany, Brazil, Sweden, and Hong Kong. Several new countries will host TWAN exhibitions including China, UAE, and Iceland. The first major TWAN exhibition and workshop in the Middle East will be in Zanjan, Iran, in March 2010. The exhibit will include over 35 large light boxes and 40 other 1-2 metre mounted prints. TWAN image are also contributing to "1001 Inventions: Discover the forgotten story of 1000 years of science from the Muslim world" (http://www.1001inventions.com/) in National Science Museum, London, which began in January 2010.
A TWAN book/exhibition catalogue in Korea was completed in January. March 2010 will see a TWAN and landscape astrophotography feature article in BBC's Sky At Night magazine. Discover magazine is featuring a short interview about TWAN and landscape astrophotography with TWAN director in April 2010. And in the Autumn a TWAN book will be released in Germany.
There is a growing collaboration with National Geographic's website. TWAN contributes as a source of night sky images. The film "Acquainted With the Night" by a Canadian film company, in production now and will include a section about TWAN. Also, a TWAN TV documentary starts production in summer 2010.
TWAN tours to see and photograph stunning night skies from most beautiful landscapes start in autumn 2010. The first considered destinations are Nepal, Chile, and Canada.
New images, reports, and newsletter every two to three weeks. New sections allow for more interaction with visitors.
The winners of IYA2009 International Earth and Sky Photo Contest will be announced in February 2010. New TWAN contests are planned for the Global Astronomy Month project of Astronomers Without Borders.
Visit the TWAN website here: http://www.twanight.org/
Search IYA2009 Updates
National Nodes: 148
Organisational Nodes: 40
Organisational Associates:33
National Websites: 111
Cornerstone Projects: 12
Special Task Groups: 11
Special Projects:16
Official Products:8
Media Partners:22


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Dasha1 necesitaba un nuevo diseño de impreso o envases y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 40 diseños de 7 diseñadores freelance.
Smart Enamel
We are a manufacturer of nail treatment products ( diamond base coat, nail hardener, cuticle remover etc.) The price point is mid-tier ( approx $10-12 per item) and will most likely stand next to similar brands such as OPI, Orly, and Nailtique. All of our products are for natural nails only, we do not advocate the use of artificial nails. We want to fall between being considered a pharmaceutical and a cosmetic brand since we do treat a lot of different nail ailments. Our products help an array of nail ailments such as nails splitting, breaking and peeling.
Women! All women! Any woman that wants to look good. An unkempt fingernail is very unattractive. Many women assume they can never grow out their natural nails so they turn to artificial nails. We want them to know that there is a way to have long, beautiful nails naturally. After using our product your enamel becomes smart!
The only thing certain is the logo. We need the graphic design for the container (carton) that will contain each product. Keep in mind this is not purely cosmetics, but is a treatment item. The feel of the packaging should be clean,fresh, inviting and most of all feminine.
Dimensions are: Length - 1.8 inch Width -1.5 inch Depth- 3.7 inch.
Front of the carton needs to list: the company name -see attached file; the brand name "Smart Enamel" - see attached file; "Nail Hardener" as the product name.
Back of the carton needs to state the description of the product: "Protects nails from the outside as it nourishes nails from the inside. The power of protein in the form of Silk and Collagen helps to reinforce the natural fiber structure of the nail, for flexible strength. Working in tandem with this natural protein shield, the formula's vitamins supply needed nutrition for robust growth." It should also list: the hands and book symbol, Flammable symbol, and the 'Period after opening' symbol.(48 m)
Bottom of the carton needs to state: "Manufactured by Frenchi Products, Inc. 30 Corporate Drive, Orangeburg, NY 10962. Made in USA. (800)867-8320."
Please use the attached carton dimensions file as the template for the design.


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Galega Daybed - Brown Cherry
Product Details
About this item
The Galega solid pine sleigh daybed features curved slat spindles in the arms.
current price: $376.00
Online only
The Galega solid pine sleigh daybed features curved slat spindles in the arms and matching slat spindles in the back. It comes in a brown cherry finish.
Mattress not included
Mattress not included
Policies & plans
Brown cherry finish
Solid pine sleigh daybed
General Information:
Curved slat spindles in the arms
Matching slat spindles in the back
Mattress not included
General Information:
1.Hillsdale Furniture, LLC ("HDF") product is warranted to the original purchaser to be free of defects in workmanship or material for a period of one (1) year from the date of purchase. HDF will, at it's option during this warranty period repair or replace any such defective component without charge, but HDF will not pay for transportation, shipping, and handling costs. 2.This warranty does not cover any damage or loss related to (A) improper use, care, assembly or service: (B) transportation, shipping or handling: (C) institutional or commercial use, or (D) negligence, alteration or unauthorized repair. This warranty extends only to the original retail purchaser, and the warranty may not be assigned to or transferred to another. 3.ANY CLAIM UNDER THIS WARRANTY MUST BE MADE BEFORE THE ORIGINAL WARRANTY PERIOD EXPIRES. This warranty is exclusive and in lieu of all other express warranties whether oral or written. No employee or agent of HDF nor any other person has the authority to modify this warranty.
Assembled Country
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Standard - 2 to 6 business days


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Thursday, January 5, 2012
Webinars: An Important Internet Tool for Genealogists
What is a webinar?
I believe the term webinar comes from web + seminar. A webinar is a live presentation delivered over the internet. Typically the viewer can see a PowerPoint presentation and hear the presenter's voice. Sometimes they can see the presenter as well.
Where do I find a webinar?
Anyone with an internet connection can access a webinar. This is what makes it a powerful learning tool. No longer do genealogists have to limit their learning to live in-person conferences that can be miles from home.
Typically, an organization such as Legacy Family Tree or the Friends of NARA Southeast Region will sponsor the webinar. They will issue an announcement about the webinar and ask people to register.
Registration involves, at a minimum, providing your name and email address. After you submit your registration you will be sent an email confirmation. You will receive another email close to the time of the webinar with a link that connects you to the webinar. When you attend your first webinar you will need to download the software, most likely GoToWebinar, in order to view the program.
What can I expect from a webinar?
Webinars are presented live, typically one hour in length with a half hour for questions and answers. You will likely see a PowerPoint presentation on the screen just like you would see in a live presentation. The only difference is you won't see the presenter while they are presenting. But you will hear their voice as they give the live presentation. The advantage of a webinar is that you will be able to easily see the presentation slides on your monitor compared to the difficulty people sometimes have in a large conference room.
Can I talk to the presenter?
The audience can ask the presenter questions just like in a live presentation. In a webinar questions may be asked via voice over a microphone at the end of the presentation or by typing the question and submitting to the presenter via a chat box. If there is a moderator, you can submit questions throughout the presentation which will be answered by the presenter at the end. This allows the audience to interact directly (or nearly directly) with the speaker.
How much do webinars costs?
Webinars like the ones offered by Legacy Family Tree are free to watch live. The advantage to watching live is that the audience can win door prizes and ask questions of the speaker. Some webinars, like the ones offered by Michael John Neill, are offered for a minimal cost.
What if I miss the live presentation?
It's not always easy to see the webinars when they are presented live. Our daily activities are bound to conflict with the scheduled times at some point. And some sponsoring organizations are in a different time zone.
Luckily webinars are often recorded which means a much larger audience can view them afterwards. Some organizations like Legacy make their webinars available for free for a limited time afterwards. The recorded or archived webinars can be viewed at your convenience 24/7. Other organizations such as the Friends of NARA Southeast Region and the Southern California Genealogical Society provide the recorded webinars as a member benefit. If you don't view their webinars live you will need to become a member in order to access them.
Read more about webinars in my previous article "The Top 5 Reasons I Listen to Webinars."
View a universal calendar of all genealogy webinars at the GeneaWebinars site.
Never watched a webinar? Make my next webinar on Massachusetts your first one! I will also be presenting another one on Brick Walls in February.
Still confused about webinars? Leave me your questions and I'll do my best to answer them.
Posted by Marian at 9:23 AM
Labels: Webinars
3 comments:
I love webinars. Between having a child and budget issues, I'm not able to go to many conferences. Webinars fill the void, allowing me to learn more about genealogy without leaving home or spending a lot of money.ReplyDelete
I absolutely love webinars! I'm going to try to attend as many as I can during 2012. They are fantastic.ReplyDelete
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Are You a Culture Worker?
This is part thirty-two of a series of blogs based on excerpts adapted from the 2nd edition of Agenda for a New Economy: From Phantom Wealth to Real Wealth. I wrote Agenda to spur a national conversation on economic policy issues and options that are otherwise largely ignored. This blog series is intended to contribute to that conversation. —DK
Media, education, religion, and the arts all have defining roles in crafting and propagating the cultural stories by which we humans understand our natures and the possibilities open to us. If you are a member of any one of these professions, think of yourself as a modern culture worker. For better or worse, you are engaged in crafting and propagating the cultural stories that serve either to legitimate the devastation the old economy causes or shine a light on the possibilities of the new economy.
Wall Street has aggressively recruited members of each of these professions to its service. Its recruits, often unwittingly, craft and propagate the stories that hold modern societies in the thrall of corporate empire. The monetary rewards can be quite attractive, but they come at the price of the personal integrity we expect of the practitioners of these influential crafts.
Here are some of the problems—and possibilities—when it comes to telling a new story.
The consolidation of advertising-dependent mass print and broadcast media under the control of for-profit corporate conglomerates is ideally suited to serving Wall Street interests. The corporate media have reduced news reporting to inane, politically slanted commentary limited to the market fundamentalist economic frame.
Fortunately, the communications revolution that is linking the world in a seamless web of communication and information opens unprecedented opportunities for service-oriented nonprofit media organizations like YES! Magazine (of which I am co-founder). Even relatively small organizations now have the potential to reach and influence mass audiences. Community newspapers and radio stations, independent media centers, blogs, and podcasts all offer alternatives to the corporate voice.
As Wall Street has helped rewrite the tax laws to absolve corporations of their civic responsibility to pay their fair share of taxes, cash-strapped public schools and universities have turned to corporations for sponsorships, curriculum materials, and research grants. This has given corporations undue influence over the underlying academic culture to the detriment of the critical intellectual inquiry and teaching we so badly need. For-profit corporations should be required to pay their fair share of taxes in support of the educational institutions on which they depend for their workers and customers. Their ideology should be kept out of the classroom.
We need an educational system that produces the creative, critical minds needed to lead the process of social and economic transformation. This requires taking down walls that separate students from communities and nature. It requires interdisciplinary approaches to learning that engage teachers and their students in active exploration. It requires shedding courses (for example, market fundamentalist economics) that propagate flawed ideology as science, in favor of courses that advance the authentic pursuit of truth and provide the intellectual tools needed by responsible citizen leaders.
The New Economy must be built on the foundation of a moral awakening. Fortunately, there are signs of faith institutions rising to the occasion to reclaim their prophetic moral and spiritual mission. Sermons and adult education programs can raise the moral issues relating to human responsibility for one another and the living Earth and explore the implications for societal transformation. Faith institutions can reach out to bridge destructive religious divides and grow the relations of mutual caring foundational to an inclusive Earth Community.
As with educational transformation, the transformation of our faith institutions begins one church, synagogue, temple, and mosque at a time. It is a process with the potential to build quickly toward critical mass as more faith institutions rediscover their prophetic mission to teach love for all beings as the path to salvation in the here and now.
The Arts
Among the four professions named, artists are the most likely to self-identify as culture workers. Artists can use their craft to befuddle our minds, justify evil, and entice us into self-destructive behavior, as demonstrated by the many talented artists in the employ of corporations and politicians seeking power through the propagation of fear, greed, and violence. The pay is good, the goals are clear, and there is a lot of money to buy media.
The true artist, however, is a truth teller who has the ability see reality untainted by cultural filters. Artists can shake us out of the cultural trance that leads us to consume harmful products, play the mark in Wall Street con games, and support corrupt politicians. Talented artists can help us see beauty, meaning, and possibility where it may otherwise escape our attention. They can take us on an imaginary journey to a future no one has yet visited to experience possibilities we may not have imagined. Our movement needs the contribution of millions of artists devoted to liberating human consciousness.
My friend and colleague Bill Cleveland collects and shares stories of the many independent artists who are engaging whole communities in processes of discovering their inner beauty and creative potential through artistic experience. These processes strengthen the community's sense of itself and enhance the readiness of its members to engage together in community building and the creation of vibrant local living economies. It is a work to which all four of the culture worker professions have much to contribute.
[Next: How You Can Get Started Building a New Economy]
David Korten () is the author of Agenda for a New Economy, the Great Turning: From Empire to Earth Community, and the international best seller When Corporations Rule the World. He is board chair of YES! Magazine and co-chair of the. This New Economy 2.0 is co-sponsored by and based on excerpts adapted from Agenda for a New Economy, 2nd edition.
David Korten: The biggest shifts of our time have been sparked by ordinary people rejecting the cultural stories that dominated them.
David Korten: Wall Street's days are numbered. Ours need not be.
- Agenda for a New Economy available from the YES! Magazine web store. 3 WAYS TO GET THE BOOK with a 22% discount


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Student or Learner
Could someone please do me favor ? I am putting a poem and some questions regarding it down here. I am up the creek to comprehend the poem, since its strongly worded. Could some one please extract some of their time write a sentence to answer the questions followed by? I will be very much thankful to you for your help.
A Smugglers' Song Rudyard Kipling (1865-1936)
If you wake at midnight, and hear a horse's feet,
Don't do drawing back the blind, or looking in the street,
Them that asks no questions isn't told a lie.
Watch the wall, my darling, while the Gentlemen go by!
Five and twenty ponies
Trotting through the dark -
Brandy for the Parson,
'Baccy for the Clerk
Laces for a lady; letters for a spy,
And watch the wall, my darling, while the Gentlemen go by!
Running round the woodlump if you chance to find
Little barrels, roped and tarred, all full of brandy-wined;
Don't you shout to come and look, nor take 'em for your play;
Put the brushwood back again, - and they'll be gone next day!
If you see the stableyard setting open wide;
If you see a tired horse lying down inside;
If your mother mends a coat cut about and tore;
If the lining's wet and warm - don't you ask no more!
If you meet King George's men, dressed in blue and red,
You be careful what you say, and mindful what is said.
If they call you 'pretty maid', and chuck you 'neath the chin,
Don't you tell where no one is, nor yet where no one's been!
Knocks and footsteps round the house - whistles after dark -
You've no call for running out till the house-dogs bark.
Trusty's here, and Pincher's here, and see how dumb they lie -
They don't fret to follow when the Gentlemen go by!
If you do as you've been told, likely there's a chance,
You'll be give a dainty doll, all the way from France,
With a cap of Valenciennes, and a velvet hood -
A present from the Gentlemen, along o' being good!
Five and twenty ponies,
Trotting through the dark -
Brandy for the Parson,
'Baccy for the Clerk.
Them that asks no questions isn't told a lie,
Watch the wall, my darling, while the Gentlemen go by!
Here are the questions.
1. Where do you imagine the story of this poem is set?
2. Who is the speaker talking to? How can you tell whether they are male or female?
3. What is the person being told?
4. Who are the Gentlemen, and who are the King Georges men?
5. Why do you think that the brandy-wine will be gone by the next day?
6. Why is mother mending a coat with a wet lining?
7. Whose dogs are Trusty and Pinchers? Why dont they bark?
8. What is meant by watch the wall in this poem?
The poem is set on coast of England.
The speaker is talking to his daughter
The child is being told not to look out the window when she hears the horses going by
The gentlemen are the smugglers and King George's men are those out to catch them
Because it will be hidden temporarily in the speakers woodheap and removed before morning.
Mother is mending father's coat to hide evidence of his involvement
The dogs belong to the speaker and they are familiar with those riding by.
Take no notice of what is going on outside.


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Author of the Audiophiliac blog on CNet, Steve Guttenberg (he doesn't like being asked where Moses Hightower is, so don't try it) has put together a handy little how-to guide to choosing and installing subwoofers in a home theater. As well as covering placement, Guttenberg also advises on how to fine-tune your sub. Useful. [CNet].
Steve Guttenberg's Guide to Subwoofers


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|Patterns For Improvisation "By Oliver Nelson. For any C, Eb, Bb, bass instrument or voice. Intermediate, advanced. Book. 64 pages. Published by Jamey Aebersold Jazz"
|Oliver! - Vocal Selections "By Lionel Bart (1930-). For voice and piano. Richmond Music Śż Folios. Piece for the NFMC Vocal event with the National Federation of Music Clubs (NFMC) Festivals Bulletin 2008-2009-2010. Broadway and Movies. Difficulty: medium. Songbook. Vocal melody, p
|$30 Gift Certificate (paper) Worth $30 in merchandise at Sheet Music Plus. Gift certificates delivered by Postal Mail. Published by Sheet Music Plus
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|I Then Shall Live "By Jean Sibelius (1865-1957). Arranged by Lloyd Larson. For SATB choir. Choral music. General, Commitment, Discipleship, Humanity, Humility, Love, Promise, Renewal, Hymntune, Sacred. Choral octavo. 8 pages. Published by Hope Publishing Company"
|$20 Gift Certificate (paper) Worth $20 in merchandise at Sheet Music Plus. Gift certificates delivered by Postal Mail. Published by Sheet Music Plus
|Dream of Olwen "(From the motion picture ""While I Live""). By Charles Williams (1893-1978). For solo piano. Piano Solo; Solo. Movies. SMP Level 9 (Advanced). Single. Standard notation (does not include words to the songs). 8 pages. Published by Alfred Music Publishing"
|On The Street Where You Live - From 'My Fair Lady' "For voice, piano and guitar chords. Piano Vocal. Broadway and Movies. Difficulty: medium. Single. Vocal melody, piano accompaniment, lyrics, chord names and guitar chord diagrams. 3 pages. Published by Hal Leonard"
|Concertino for Trumpet (Trumpet in C and Piano). By Andre Jolivet (1905-1974). Trumpet. Editions Durand. 32 pages. Editions Durand #DF1335300. Published by Editions Durand
|Eternal Life (A Prayer by St. Francis of Assisi). By Olive Dungan. For high voice and piano accompaniment. Hymns. Single piece. Standard notation. 4 pages. Published by Theodore Presser Company
|Selah - You Deliver Me By Selah. Piano/Vocal/Guitar Artist Songbook. Softcover. 144 pages. Word Music #080689536281. Published by Word Music
|Didn't My Lord Deliver Daniel Arranged by Moses Hogan. SATB DV A Cappella. Festival Choral. Festival. 8 pages. Published by Hal Leonard
|Miley Cyrus - The Time of Our Lives By Miley Cyrus. Piano/Vocal/Guitar Artist Songbook. Softcover. 48 pages. Published by Hal Leonard
|I'll Say Yes "(The Brooklyn Tabernacle Choir). By Brooklyn Tabernacle Choir. Arranged by Carol Cymbala, Jason Michael Webb & Oliver W. Wells. For SAT(B) Choir. Collection. Choral Book. Published by Word Music"
|$40 Gift Certificate (paper) Worth $40 in merchandise at Sheet Music Plus. Gift certificates delivered by Postal Mail. Published by Sheet Music Plus
|Michael W. Smith Worship Live By Michael W. Smith. Arranged by Steven Taylor. SATB. PraiseSong Choral. Sacred. 96 pages. Published by PraiseSong
|How Do I Live "By Trisha Yearwood and LeAnn Rimes. By Diane Warren. For voice, piano and guitar chords. This edition: Piano/Vocal/Chords. Artist/Personality; Piano/Vocal/Chords; Sheet; Solo. Original Sheet Music. Movies and Country Pop. Difficulty: medium. Single. Voca
|Christmas Pops: Over the Top! "(Five Lively Favorites For Piano Trio). By Catherine McMichael. For piano trio. Instrumental Ensemble - Strings. Bored with Christmas gigs? These trios are full of twists and humor! You will want a rehearsal, not easy. Secular Christmas. Score and parts.
|Jacques Brel Is Alive & Well & Living In Paris - Vocal Selections "By Jacques Brel. For voice and piano. Vocal Selections. Broadway and French. Difficulty: medium. Songbook. Vocal melody, piano accompaniment, lyrics, chord names and introductory text. 78 pages. Published by Hal Leonard"
|Being Alive "By Stephen Sondheim and Company (Musical). For piano, voice, and guitar (chords only). Broadway; Musical/Show. Piano/Vocal/Guitar. 5 pages. Published by Hal Leonard - Digital Sheet Music"


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Former Facebook president and Napster founder Sean Parker hasn't given up on his struggling video startup, Airtime.
Last summer, Parker and notable tech executive Shawn Fanning launched Airtime in front of media like The New York Times and Entertainment Tonight. The pair were joined by a number of celebrity supporters, such as Olivia Munn, Joel McHale, Jim Carrey, Martha Stewart, Julia Louis-Dreyfus and Ed Helms.
Despite the buzzy debut and the $33 million Airtime raised pre-launch, the product never took off. Shawn Fanning left his day to day role at the company. In October, their CTO Eric Feng departed. Parker was left to start over.
Since then, Parker has trimmed down his staff. TechCrunch estimates cuts from 40 people last year to about 10 now. In addition, Parker has moved the company's headquarters to New York City.
Now, he's made a big new hire to help him right the ship. Daniel Klaus, former Music Nation CEO and founder of K2 Media startup incubator, has joined Airtime as its president. Parker will remain CEO.
The product will be relaunching soon in an effort to get people using the product. But Parker's worst fears may be realised.
"The expectation thing definitely weighs on me," Parker told Dealbook last year. "There's a sort of fear of launching something and failing."
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Collection Items
Map[Mount Desert Island and neighboring coast of Maine. Scale ca. 1:49,000. Relief shown by hachures. Depths shown by soundings. Shows coast of Hancock County, Maine. Available also through the Library of Congress Web site as a raster image. Vault AACR2
- Contributor: [Des Barres, Joseph F. W. (Joseph Frederick Wallet)] - [Des Barres, Joseph F. W.
- Date: 1776


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DINGER BATS Model 243 (C243) Adult Wood Baseball Bat
Product Code: DBC243
Availability: Custom Made To Order
Availability: Custom Made To Order
Price: $55.00
The 243 is based on a Louisville conversion C243. It has really large barrel, thin neck and a tapered handle. It's a favorite among power hitters. We recommend this model for more seasoned wood bat users.
|This bat is custom made to order and requires anywhere from 2 to 4 weeks to manufacture and deliver in most cases.
|Similar to a C243
|Handle tapers to the standard knob
|Handle measures 1.54" where it meets the knob
|Handle measures .96" at the top of your bottom hand (approx. 5" up from the knob)
|Barrel measures 2.48" at the sweet spot and 2.59" near the very end of the barrel
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DYSPNOEA and AlprazolamPatientsVille
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Many conditions can make you feel short of breath:
If you often have trouble breathing, it is important to find out the cause.
Check out the latest treatments for DYSPNOEA
➢ DYSPNOEA treatment research studies
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We can think of no better recipient of a Game of the Year Edition than Kotaku's 2009 Game of the Year Uncharted 2. What will $US50 net fans come October 12?
The Uncharted 2: Among Thieves Game of the Year Edition hits retailers on October 12. Celebrating the myriad awards given Naughty Dog's masterpiece including our own, the package includes the game plus a voucher good towards a ton of downloadable content.
How much downloadable content is a ton? How about:
- PlayStation Heroes Skin Pack
- UNCHARTED: Drake's Fortune Multiplayer Pack
- UNCHARTED 2 Siege Expansion Pack
- Currency Multiplier which grants Double XP up to level 10 in Multiplayer
- Golden Guns option for the AK-47 and the 92FS 9mm pistol for use in Multiplayer
- Early access to "Revenge" Booster – you still have to purchase it with in-game cash!
- UNCHARTED: Eye of Indra – Motion Comic Bundle (which includes Episodes 1-4)
- UNCHARTED: Eye of Indra – Rika Raja and Daniel Pinkerton Character Skins
- UNCHARTED 2: Among Thieves – Avatar Pack 1
- UNCHARTED 2: Among Thieves – Avatar Pack 2
- UNCHARTED Avatar Pack 3
- UNCHARTED Avatar Pack 4
- Pinball Heroes – UNCHARTED for the PSP
I'd have to get a scale, but I'd say that qualifies.
An extraordinary value for an equally extraordinary game. If you own a PlayStation 3 and haven't played Uncharted 2 yet, there is something seriously wrong with you.
UNCHARTED 2: Among Thieves Game of the Year Edition coming October 12th [PlayStation Blog]


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Iran Feature: The Week in Civil Society --- Monkey in Space, Journalists in Prison (Arseh Sevom)
Everything has its place in Iran --- such as monkeys in space and journalists in prison.
And, oh what a prison! After detainees complain of their conditions, MPs visit Evin, calling it a "hotel.". Stoning makes a comeback — at least in print. The surveillance of Iran's public spaces is revealed when Cafe Prague closes its doors in protest.


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You know those recipes that knock around in the back of your mind, tormenting and tempting you, but you just never quite get around to tackling them? I have many. Olive oil-packed homemade canned tuna. Potato-free, gluten-free gnocchi. Really good chocolate cake. Chicken liver paté.
Yes. You read that correctly. Chicken liver paté.
I have been dreaming of making my own chicken liver paté for about about two years. I got hooked on paté in France in 2007. In 2008 I ate amazing paté at a fancy holiday party at my manager's house and almost died from pleasure. But sadly, I haven't had liver paté since; store-bought liver paté just has too many things I can't eat. I've looked up recipes, I've sourced out organic chicken livers at my local co-op, and I've scribbled down ideas. But I just haven't done the deed.
This week the time finally time. Upon seeing this recipe for Tuscan Chicken Liver Paté on Food 52, I knew I had to make it. Anything that includes garlic, onions, anchovies, and capers sounds good to me. It sounded simple to make and easy to adapt to my needs. I was a woman on a mission.
Oddly enough, the first co-op I visited to buy organic chicken liver was completely sold out until Tuesday. How random! The guy at the meat counter seemed kind of perplexed. So, off to another co-op to find liver. Thankfully, they had plenty. I went home, whipped this up, and found myself eating paté in my kitchen less than one hour later. I fell in love with liver all over again.
Before you completely write me off as being insane for loving liver so darn much, give me the opportunity to convince you why you should learn to love liver. Liver is an incredibly nutrient dense food, providing massive amounts of good stuff!
- Liver is an excellent source vitamin A, vitamin B12, iron, riboflavin, selenium.
- Liver is a strong source of DHA, EPA, and AA, fatty acids that are essential for the body
- 1 oz of cooked chicken liver contains a whopping 7 grams of protein but only about 40 calories
Considering that liver is fairly inexpensive (one pound of liver was only $3.59/lb), it provides incredible nutrition per dollar. And while it is high in cholesterol, a serving of paté here and there shouldn't be a problem for you if you are eating a clean diet free of all those other nasty cholesterol sources. Make sure to get organic liver from animals that are free of antibiotics and hormones. The liver is basically a filter, right? Animals that are exposed to chemicals will have a higher toxic load, and therefore, that little liver is going to full of all those chemical residues. You eat that, and it adds to your own body's toxic load. Not good! So buy happy organic liver and save yourself all those toxins. Also, make sure the livers are fresh as possible. If you don't see them in your butcher case, just ask - they might be able to special order them for you!
Wondering how to eat paté? I ate it smeared on a wide variety of vegetables, from collard leaves to carrots, and spread on a lovely slice of Pumpkinseed Teff Sandwich Bread I pulled from my freezer. I also made little "sliders" - thin slices of radish and cucumber layered with paté, and topped with mustard. The lightness of the cucumber and the bite of the radish were an excellent contrast to the richness of the paté.
Paté is a great low-carb, high protein solution for snacks and meals, and I think paté will be a regular thing in my fridge from now on; I'm hooked. It is a great spreadable protein alternative for people who can't tolerate beans or have nut or seed allergies! I took some paté to work to share with my foodie coworkers, and everyone who tried it agreed it was spine-tinglingly good. Enjoy!
Tuscan Chicken Liver Paté
yield: approx 2 1/2 cups paté
adapted from gluttonforlife's Tuscan Chicken Liver Paté on Food 52
This paté is rich, flavorful and aromatic, and is sure to please even someone suspicious of liver! Serve as an appetizer or eat as a light main course with breads, crackers, or vegetables. The vitamin C crystals replace some of the acidity lost by not including wine, as the original recipe calls for. If you don't have vitamin C crystals, feel free to make without, or add a little squeeze of fresh lemon juice. Make sure to get organic chicken livers; non-organic chicken livers may have highly concentrated amounts of chemical residues.
1 pound organic chicken livers
2 Tbsp extra-virgin olive oil
2 Tbsp ghee (or butter)
2 large shallots, thinly sliced
1 large garlic clove, smashed
3 anchovy filets (or 1 Tbsp anchovy paste)
1 Tbsp salt-packed capers, rinsed, patted dry, and minced
4-6 sage leaves
1 sprig fresh rosemary, leaves removed and minced (about 1 1/2 tsp)
1 sprig fresh thyme, leaves removed (about 1 tsp)
2/3 cup vegetable or chicken broth (or 2/3 cup water mixed with 2 Tbsp homemade vegetable bouillon!)
1/8 tsp vitamin C crystals (or a squeeze of lemon juice)
Trim any sinews from the livers and dry well with paper towels.
In a large skillet, melt the ghee and olive oil over medium-high heat. Sautee the shallots, garlic, anchovy, capers, sage, rosemary, and thyme until shallots are lightly browned, 6 minutes or so.
Season the chicken livers with salt and pepper and add to the pan. Cook over high heat until browned, then add half of the broth and keep stirring with a wooden spoon, breaking up the livers as they start to cook through. When the broth is absorbed, add the second 1/3 cup and repeat the process.
Remove from heat and transfer to a food processor. Process until quite smooth, then add vitamin C crystals and any additional sea salt and pepper as desired to flavor. Serve warm or at room temperature. Spread on breads, crackers, collard wraps, or vegetables. Would be delicious scooped up in Belgian Endive spears!
Paté, Cucumber & Radish Sliders
yield varies
These are perfect for little appetizers for parties and potlucks, and make quick healthy and nutritious snacks.
Tuscan chicken liver paté
optional: capers
Thinly slice the cucumber and radishes with a mandoline or v-slicer, or with a very sharp knife. Spread a layer of paté on a cucumber, top with a radish, and put a little blob of mustard on top. If desired, place a caper on top of the mustard blob. Then eat up!


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1994 Toyota Land Cruiser - Metal Tech Sliders - TechPosted in How To on August 1, 2009
FZJ80 Toyota Land Cruisers are becoming increasingly affordable as they become older and gas prices rise. While they are not the most fuel efficient vehicles, recreationalists are purchasing these vehicles from their former pavement pounder owners and putting them to use on trails around the country. The coil suspension, optional factory lockers, and stout running gear make it obvious to see why they are so popular. As more FZJ80s hit the trails, it is only natural that aftermarket manufacturers develop new accessories for them. A new player to the FZJ80 market is Metal Tech, of Newburg, Oregon. Rather than rehash products that are already offered, Mark Hawley of Metal Tech decided to use the same innovative thinking that he previously applied to his line of unique FJ40 Land Cruiser and FJ Cruiser parts. Metal Tech started their FZJ80 product line by introducing rock sliders that are different than anything else on the market.
If you own a late model SUV, you know the importance of good rocker protection. While bumpers can be replaced, rock damage to the long, low rocker panels can easily cost into the thousands to repair. Additionally, the catalytic converters on FZJ80s hang dangerously low beneath the frame, a serious flaw in an otherwise spectacular platform. Should a rock or other trail debris contact the exhaust, the resulting repairs could be very expensive. Having tempted fate for far too long, we decided to test the new Metal Tech sliders on our '94 FZJ80.
Instead of using box tubing, the Metal Tech sliders are made of 3/16-inch laser-cut and CNC-formed steel and reinforced similar to an airplane wing. This allows the sliders to be lightweight and still offer greater strength than boxed tubing. The construction also allows the sliders to be powder coated inside and out for corrosion resistance and makes it easy to run air hoses or auxiliary wiring inside of the slider. Further easing this process are the two rock light tabs mounted on each slider and the additional tabs for storage on the driver side. A huge space exists between the body and frame on the driver side of the FZJ80. This area houses the exhaust on overseas diesel models but is unused on North American Land Cruisers. Metal Tech takes advantage of this wasted space by offering a skid plate that bolts to the slider and can hold a second battery or an air tank mounted low to retain proper center of gravity.
To address the clearance issues on the passenger-side with the catalytic converters, Metal Tech created a massive -inch-thick, CNC-bent skid plate that wraps around the cat to protect it and let the vehicle slide up and over obstacles. The sliders also feature a two-stage outrigger that sits further from the body at the rear to move the vehicle away from any obstruction that may otherwise cause body damage to the rear of the vehicle.
Installation was easily accomplished with hand tools and floor jacks to support each 75-pound rock slider. Three attachment points per slider distribute the load and connect to the frame with Grade 8 U-bolts. The exception is the outrigger at the catalytic converter, which uses a -inch-thick plate and tapped holes to sandwich around the frame. The front mud flaps have to be removed or trimmed to accommodate the sliders, but this is a small price to pay for the improved protection. We also found it necessary to unbolt the brake hard line routing brackets from the frame on the driver-side in order to allow the U-bolts to be installed. The outriggers are all placed next to cab mounts for extra strength, and the rear attachment points have "ears" that wrap around the cab mount to aid in locating the sliders. It was easiest for us to start at the rear of the vehicle and add all of the U-bolts before tightening everything down. We received a pre-production set of Metal Tech's sliders, but all of this information and more should be available on the installation DVD Metal Tech includes with their production sliders.
After a few hours in the garage with hand tools, Metal Tech's sliders provided us with improved exhaust and rocker panel protection that could save us from causing expensive damage on the trail. Additionally, the sliders allow us to cleanly route our rock lights and onboard air in the future, but that is another story for another time. In the meantime we will enjoy our time on the trail without fear of damage.


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Chris Mack warned his Xavier players they would face a talent disadvantage against Baylor.
The coach didn't count on that disadvantage leaving his team down by 18 points less than 8 minutes into the game.
Xavier rallied but could never catch Baylor, falling to the Bears 75-70 in the NCAA South regional semifinal on Friday night.
"We weren't quite ready from the beginning to handle the athleticism and the talent that they brought," Mack said. "I wasn't surprised that we came back because I think we have very resilient kids. But, again, you get behind the eight ball against a team like Baylor's, it's really tough to overcome an 18-point deficit."
Before the Musketeers could get it going, Baylor led 22-4.
But Led by Tu Holloway, who scored 22 points, Xavier fought back. Holloway's 3-pointer with 22 seconds remaining cut Baylor's lead to 71-68. Brady Heslip made four free throws in the final 17 seconds to protect the Bears' lead.
"We were right there," Mack said.
Xavier (23-13) couldn't advance after making the round of 16 for the fourth time in five years.
Kenny Frease had 18 points and Mark Lyons had 16 for the Musketeers.
Quincy Acy had 20 points and 15 rebounds and Perry Jones III added 14 points for Baylor (30-7), which will face Kentucky, which beat Indiana 102-90, in Sunday's final.
Heslip, coming off his career-high 27 points on nine 3-pointers in Baylor's second-round win over Colorado, had 11 points with only one 3.
"You stay with Brady, that means we're one-on-one down in the post, and you see what happens," said Baylor coach Scott Drew.
Mack acknowledged he was wary of Heslip's 3-pointers. Heslip surprised the Musketeers by scoring on two drives to the basket in the opening minutes.
"We definitely didn't want Brady Heslip to get any catch-and-shoot 3s," Mack said. "He hadn't taken a dribble and scored the entire tournament. What does he do? He goes to the basket for his first four points."
Acy filled the scoring void for Heslip, his roommate.
"I think I got a little of that magic from him," Acy said.
Acy had several dunks and added some jump shots that surprised Mack.
"He's a cage-rattler," said Mack of Acy. "We knew that. ... on film, I never saw him hit a 15-foot jump shot, and he does that in the first four minutes of the game."
Xavier needed 10 minutes to reach double figures, but a flagrant one foul by Acy on Frease helped the Musketeers recover from their slow start.
Acy, who scored a combined 11 points in the Bears' first two wins in the tournament, knocked Frease to the floor when he hit the 7-foot center from behind with 5:08 remaining in the half. The officials reviewed a video replay before ruling on the severity of the foul.
Frease made both free throws and then scored a few seconds later as Xavier retained possession. It was the start of 13 unanswered points as Xavier cut Baylor's lead from 33-16 to 33-29.
"It was definitely a turning point," Frease said. "That definitely was a boost.
"I think we sort of woke up on the defensive end, too. We were able to make a really good run."
The Musketeers had too far to climb.
"Unfortunately, when you get down that much to a team like Baylor, a lot of times you're not going to be able to come out of it, and today we couldn't," Frease said.
Jackson ended the run with a 3-pointer to give the Bears a 36-29 halftime lead.
Xavier was hurt by poor shooting, especially from beyond the arc. The Musketeers were 0-for-11 on 3-pointers before Justin Martin ended the drought with 2 minutes remaining. He added another 3 40 seconds later, and Holloway's 3 with 22 seconds remaining cut the lead the 71-68.
Heslip's four free throws in the final 17 seconds protected the lead.
Acy made 8 of 11 shots from the field and each of his four free throws, including two with 31 seconds remaining after Xavier cut the Bears' lead to six points.
Xavier freshman forward Dezmine Wells started but was held to two points in 24 minutes. His status was in doubt after he sprained his right big toe in Sunday's 70-58 win over Lehigh.
Meanwhile, another starting forward, Andre Walker, did not score in 17 minutes as he played after missing practice this week due to severe headaches.
"They gave it their best shot," Mack said. "They wanted to be out on the floor. In truth, I didn't think Des was going to play or should play, but it just shows the kind of desire he has to be out on the floor with his teammates."
Mack said Wells and Walker were not at full speed.
"We were playing with a little bit of a different team," Mack said. "Make no excuses. You have to play next man in.
"I just wish Des could have played healthy tonight, and I wish that for Andre. But that's part of the tournament. That's just the breaks of the game."


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President Obama is trying to get some new allies in his effort to pressure Congress to avert the "sequester": the nation's governors – in particular, Republicans.
Speaking Monday morning to the National Association of Governors, assembled in Washington for their annual conference, Mr. Obama urged the governors to lobby their congressional counterparts directly and tell them just how painful the across-the-board spending cuts will be in their particular states.
To help them make their case, the White House also provided the governors with some specific data points showing just what the impact of the cuts will be, in a series of fact sheets detailing exactly how the cuts will affect each state individually. For example, according to the White House analysis, Arkansas stands to lose $5.9 million in funding for primary and secondary education. In Maryland, 46,000 Defense employees would be furloughed. In Florida, more than 7,000 children won't get vaccines.
Obama then drove the point home: "While you are in town, I hope you will speak with your congressional delegation and remind them in no uncertain terms exactly what is at stake and exactly who is at risk. Because here's the thing: These cuts do not have to happen. Congress can turn them off anytime with just a little bit of compromise."
It's another attempt by the president to pressure congressional Republicans from the outside, rather than engage in direct negotiations with them. Republicans have been criticizing the White House for this tactic, even though direct negotiations haven't proved particularly fruitful in the past.
And there's reason to believe that at least some Republican governors – who will be forced to grapple directly with the impact of the cuts, and in some cases, perhaps, make up the difference from their own cash-starved budgets – may indeed prove compelling lobbyists. As Politico reported Sunday: "[Republican] governors have publicly signed on to letters bashing Obama and praising House Republicans' efforts, but privately their offices have been urging lawmakers to work harder to avoid potentially devastating cuts – particularly those that could hit local programs."
On CBS's "Face the Nation" Sunday, Virginia Gov. Bob McDonnell (R) – a conservative Republican at the helm of a state where some 90,000 Defense workers stand to be furloughed – was asked what his "message" to fellow Republicans in the Senate and the House would be. He replied they needed to "find another way to do it, and get it done now."
Notably, when asked specifically if he would accept new tax increases as part of a compromise to avoid the cuts – in other words, the White House's preferred solution – Governor McDonnell didn't say no. "The solution is up to Congress," he said. "I'm just saying don't put all the burden on the states and the military. You guys figure out how to get it done."
Similarly, Arizona Gov. Jan Brewer (R) – who has publicly clashed with the president in the past – also wouldn't rule out tax increases as part of an eventual solution to avoid the sequester. Speaking on "Face the Nation," Governor Brewer noted that her state would be hit particularly hard by the cuts to border patrol agents. "We don't like increases in taxes," she said. "But … we know we have to be pragmatic. We know that there has to be some type of compromise."
That's exactly the argument Obama is hoping these governors will make to members of Congress directly.
Of course, not all GOP governors are taking an avoid-it-at-all-costs line when it comes to the sequester. Wisconsin Gov. Scott Walker, on "Fox News Sunday," said that while he hopes Congress will come up with some "better alternatives" to the across-the-board cuts, he'd be just as worried about the impact of tax increases. "I think all of us as governors have a real concern about the impact [of the cuts] but also, in terms of what some of the alternatives might be," he said, noting that the hike in the payroll tax passed as a part of the deal to avert the "fiscal cliff" is already taking money "out of the economy" in his state.
On the other hand, Governor Walker has also admitted that his state wouldn't be hit as hard as many others – recently telling the Milwaukee Journal Sentinel: "If I was the governor of the Commonwealth of Virginia, I'd probably be freaked out" by the sequester.
The next few days will make clear if such a gubernatorial "freakout" takes place – and if it's sufficient to move Congress.


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Vancouver, B.C. Canada, February 12, 2013 – Belmont Resources Inc. ("Belmont", the "Company" or "BEA") is pleased to report very encouraging results of the Induced Polarization ("IP") geophysical survey conducted on the Berthiaume (the "Be") property.
As recommended in the NI 43-101 report, Geosig Inc. of Quebec completed approx. 44.4 km. of IP surveying with a dipole-dipole electrode configuration on the three areas line cut to establish the potential of the property's structural features.
West Grid:
The only previous work done by Noranda showed one unexplained EM anomaly. The IP survey led to the detection and description of a series of new anomalies, some of which correspond to magnetic layers or Input conductors. Surprisingly, because of the indication on the resistivity map, stripping and trenching of the West Grid could be carried out to explain most of the anomalies, as the overburden seems to be shallow. Detailed mapping, prospecting and rock chip sampling along the strike extensions of zones of interest should be considered. Subject to the results of the above, a diamond drilling program should be considered in order to test high-priority anomalous zones and strong IP anomalies that could not be explained by stripping.
Central Grid:
The Iserhoff River is believed to be the site of a regional fault with a diabase dyke intruded in it. The dyke produced a magnetic anomaly. Because of the thick overburden, a diamond drilling program should be considered to test the gold occurrences along east-west structures, such as the Casa-Berardi occurrences.
East Grid:
Previous work consisted of eight drill holes and a ground EM and Mag survey. The previous drill grid was centered on the magnetic anomaly. The present grid was centered on the main magnetic anomaly and its surroundings, and the drill holes cut an oxidized mineralized volcanite containing layers of massive pyrrhotite-pyrite with Zn and Cu and graphite-pyrite beds in sediments of the volcanic piles. The main magnetic plug is an isolated occurrence of lavas, cut on all sides by faults in contact with sediments. The northern half of the plug seems to have the strongest IP anomalies, which extend beyond the edges of the plug itself. This would indicate that we are in the presence of a Precambrian gold-silver vein system intruding sheared volcanic terranes scattered along a regional lithological contact between the volcanic domain and the Taibi sedimentary domain. All the strong IP anomalies have input conductors associated with them. The eight holes drilled by UMEX (Union Meniere Explorations and Mining Corporation Limited) intersected many sulphide zones but no assays were reported. A diamond drilling program should be considered to test the anomalous zones, which could be associated with volcanogenic massive sulphide (VMS) and/or sheared gold-silver bearing zones.
Location and Previous Work
The Be Property is located halfway between the towns of Matagami and Lebel-sur-Quevillon, in the prolific Abitibi Greenstone Belt of northwestern Quebec. It consists of two designated claim blocks of eight claims covering 447.84 ha (West Block) and 23 claims covering 1,287.56 ha (East Block).
UMEX initiated exploration by carrying out ground EM and magnetic surveys in 1971, followed by eight diamond drill holes totaling 353.6 metres to test five conductors.
This work was followed by further geological reconnaissance work by Shell Canada in 1980 and geophysical and geological surveys by Noranda Explorations Inc. in 1983.
In 1987, Falconbridge carried out geological mapping, reverse circulation overburden drilling and heavy minerals geochemical sampling on a large property covering the East Block of the current Be property.
The current IP survey has defined new exploration targets on the Be property.
Qualified Persons
Yvan Bussieres, Eng., a Qualified Persons as defined by NI 43-101 has reviewed and approved the technical information in this news release.
About Belmont Resources Inc.
The Company recently entered into a property option agreement to acquire four groups of mineral (51) claims, representing 2,254.27 hectares in the Berthiaume, Orvilliers and Joutel Townships, all located within the Abitibi Harricana-Turgeon volcanic greenstone of Northwestern Quebec. This belt hosts several world-class deposits that have produced both gold and base metals.
In February 2010, the Company entered into an option agreement to acquire a 100% interest in 3,040 ha (23 contiguous mineral claims) known as the Lumby/Bufo property, located approximately 35 km northeast of the town of Atikokan. The property adjoins the "Hammond Reef" gold deposit, belonging to Osisko Mining Corp. (former Brett Resources Inc.), along strike to the north-northeast.
In 50/50 ownership with International Montoro Resources Inc., Belmont has acquired and is exploring two significant uranium properties (Crackingstone (982 ha) and Orbit Lake (11,109 ha)) in the Uranium City District in Northern Saskatchewan.
Further information can be found on the Company's website at www.BelmontResources.com and on www.Sedar.com, or by phoning 604-683-6648.
"Gary Musil"
Gary Musil,
Corp. Secretary/CFO/Director
This Press Release may contain forward-looking statements that may involve a number of risks and uncertainties. Actual events or results could differ materially from such forward-looking statements and the Company's expectations. Neither the TSX Venture Exchange nor its Regulation Services Provider (as the term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this news release.


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CAMBRIDGE, Mass. - With the sun beaming on a warm, fall morning, MIT men's lightweight crew wrapped up its fall season with a good showing at the Foot of the Charles. The event included both lightweight and heavyweight crews, battling against the clock to see who would come out on top. In the varsity 4+ event, MIT's A crew crossed the line first in 26th place with a time of 14:19.9.
Following closely behind in 31st place was MIT's C boat in 14:34.4 and the B crew directly afterwards, finishing 32nd out of 40 boats, with a time of 14:39.2. The event was won by Harvard's A boat in 13:11.3.
MIT's Varsity Eight crew turned in a time of 13:52.5 to earn sixth in the event. The two lightweight boats that competed in the Freshman 8+ event finished in 12th and 15th with times of 15:03.5 and 16:21.3, respectively.
The Engineers will return to the water in the spring when they travel to New Haven, Conn. to face Yale on April 6.


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10 Things to Know for Friday
Meredith Kercher's brother Lyle, left, and sister Stephanie wait for the reading of the verdict for the murder of the British student in Florence, Italy, Thursday, Jan. 30, 2014. An appeals court in Florence upheld the convictions of U.S. student Amanda Knox and her ex-boyfriend for the 2007 murder of her British roommate. Knox was sentenced to 28 1/2 years in prison, raising the specter of a long legal battle over her extradition. After nearly 12 hours of deliberation Thursday the court reinstated the guilty verdict first handed down against Knox and Raffaele Sollecito in 2009. (AP Photo/Fabrizio Giovannozzi)


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Travel Kit contains:
Please refer to individual products for Directions of Use.
Please refer to individual products for Ingredients.
*Ingredients are subject to change at the manufacturer's discretion. For the most complete and up-to-date list of ingredients, refer to the product packaging.
With its gentle pH of 5.5 to 6, PHILIP B® Peppermint Avocado Shampoo is a clarifying shampoo and a powerful active aroma-therapeutic scalp treatment in one. Formulated with sixteen pure plant extracts plus eleven essential and carrier oils, with an active dose of 2.3% pure Peppermint oil, PHILIP B® Peppermint Avocado Shampoo works as a local anesthetic to alleviate scalp tension while stimulating circulation during the shampooing process. PHILIP B® Peppermint Avocado Shampoo cleanses, refreshes, revives, volumizes, and awakens you! PHILIP B® Peppermint Avocado Shampoo gives back natural shine without stripping your hair of precious moisture and elasticity. Safe for color-treated hair. Feel the amazing scalp & hair difference from the very first use.
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Invigorate your mind and body with the aromatic scent of the clean, fresh, green forests of Scandinavia. Moisturize, tone and condition your hair, scalp & skin with a nurturing one-step product. PHILIP B® Nordic Wood Hair + Body Shampoo is stimulating and soothing with a pure 6% herbaceous blend of Norwegian Spruce, Balsam Fir, White Pine, Cedarwood and White Camphor with Oat extracts, Wheat Amino Acids and Aloe. PHILIP B® Nordic Wood Hair + Body Shampoo invigorates your spirit, while cooling, reviving and refreshing your body and soul.
Moisturize and detangle your hair with PHILIP B® Lightweight Deep Conditioner. A base of African Shea Butter, Wheat Germ and Soy Proteins works to revive hair and seal split ends. A fragrant botanical blend of pure plant extracts and essential oils of California Lemon, Orange, Lavender and Gardenia increase hair's elasticity and strength adding shine and body back to your hair. PHILIP B® Lightweight Deep Conditioner imparts each strand with light-weight conditioning moisture and impeccable detangling action.
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(Seventh Avenue at 30th Street)
New York, New York 10001
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GarageBand for Mac (v10.0) is available free on every new Mac and as a free download on the Mac App Store for all OS X Mavericks users. It comes with the full set of features and a great set of starter content including 50 sounds, 500 loops, 1 drummer, and 2 basic lessons for guitar and piano. With a one-time in-app purchase of $4.99 (USD), you can expand this content to 200 sounds, 2,000 loops, 15 drummers, and 40 basic lessons for guitar and piano. You also gain the ability to purchase additional Artist Lessons.
You can find this option by choosing Download More Sounds from the GarageBand menu. If you previously purchased this content, select Restore Purchase to install the content.


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photo from Competitive Cyclist Photo's Flickr
I call these levers "Coneheads". They are the new hydraulic brake/cable shift integrated levers for SRAM's Red group, and the elongated horn atop the lever presumedly houses the hydraulic master cylinder. CG spy shots of the levers and calipers leaked out way back in spring, but the hardware didn't show up at SRAM's Interbike booth in September. They did show up last weekend at USGP#3 on the Cannondale-Cyclocrossworld team bike belonging to team leader Tim Johnson. After testing the set-up in practice, Johnson chose to use the more familiar standard Red levers pulling on BB7 cable-discs.
These are the clearest shots of the actual levers that I've seen so far. Velonews' tech writer Lennard Zinn got chased out of the Cannondale-Cyclocrossworld team bus without getting nearly as good a shot. They look like they are at least pre-production versions since they have the Red graphics on the lever blade and the rubber hood has moulded-in logos, but still SRAM has not hinted at when they will make an official introduction. Rumour in the industry is that they should have been shipping OEM on bikes by now. Will these levers herald the hydraulic brake roadbike revolution? Well, we're still waiting for the trumpet to sound……..
My daily shooter is Sony a9 with a vertical grip and various Sigma lenses attached like the 14mm 1.4 Art. Find more recommendations on our store page.


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We are confident our solid core Premier range of stair rods are the finest available anywhere in the world. Our Premier range stair rods are the epitome of quality and style. They are manufactured using traditional methods - the finial is lathed onto the rods, meaning every rod is one piece, made to measure and unique. The rods are then polished and lacquered to the highest standard.
Premier Range stair rods come with the following options:
Finial: Lancaster.
Three diameters: 12.5mm - 1/2", 16mm - 5/8" and 19mm - 3/4"
Standard finishes: Antique Brass, Antique Bronze, Polished Brass or Satin Brass.
Specialised finishes: Black, Brushed Chrome, Chrome, Pewter, Polished Nickel or Satin Nickel.
Installation Options: Carpet Runner or Fully Fitted.


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Pinellas County Personal Injury Attorney & Car Accident Lawyer
If you or a loved one has been injured as the result of someone else's negligence, we're here to guide you and your Pinellas County family through litigation and help you seek the compensation you deserve. Don't leave it up to the big insurance companies to decide how much your suffering is worth—let the experienced personal injury attorneys and accident attorneys at Dennis Hernandez & Associates, P.A., help calculate a dollar amount that takes into consideration all the ways that an accident can impact your life, today and in the future.
Since 1997, Dennis Hernandez & Associates, P.A. has served the personal injury legal needs of the citizens of Pinellas County and surrounding areas. Whether your case involves an auto accident, motorcycle accident, nursing home abuse, wrongful death, truck accident, or any of the other practice areas in which we specialize, we will be with you every step of the way. As our client, we treat you as part of our family, and we work hard to ensure you have the best possible legal representation.
There are no costs for an initial consultation and no hidden fees. If you've suffered a personal injury, don't hesitate to contact us 24/7 to schedule your free case evaluation with an experienced accident attorney. Please contact us at (855) 529 3366.
NEED A PERSONAL INJURY LAW FIRM IN Pinellas County? WHAT YOU NEED TO KNOW
Your choice of a personal injury attorney may be one of the most important decisions you can make. Without experienced accident lawyers on your side, you may not receive the financial compensation you deserve when you or a loved one has suffered an injury due to someone else's negligence or carelessness. Whether you need a Pinellas County lawyer to assist with a car accident, motorcycle accident, personal injury, or wrongful death case, be sure to research the law firm's qualifications, including how long its attorneys have been practicing law and whether the firm specializes in the field of personal injury law. If accident and personal injury cases are not a focus of a law firm, your case may not get the full attention it deserves.
If you have been in an auto accident, it's important to understand that Florida is a no-fault state; contrary to popular belief, this does not mean that a driver won't be held responsible for any personal injuries he or she may cause in an accident. It does mean that every operator of a motor vehicle must have Personal Injury Protection (PIP) to cover their own lost wages and medical bills incurred because of an accident resulting in non-permanent injuries caused by either of the involved parties. If, however, an uninsured driver caused the accident, the victim may be left to deal with the effects alone. The result can be thousands of dollars in medical bills, job loss, the costs of rehabilitation, unanticipated costs of future medical care, and much more. Additional factors must be considered as well, including the victim's pain and suffering, emotional state or mental health, and other conditions that may be the direct result of an accident.
Our personal injury attorneys understand the potential long-term effects on your or your loved ones' lives when you've been injured, and will work to ensure the guilty party pays for their negligent or reckless actions.
- Make sure you're safe: Get your car away from the roadway, turn on your emergency lights, and stay near your car away from traffic.
- Call the police. It's important to file a police report, which can be used in investigating who was responsible for the accident.
- Seek medical attention, even if you believe you haven't suffered any injuries. Hidden injuries, such as a concussion, may not become evident right away.
- Take photos of all damage and the surrounding scene.
- Call a car accident attorney, who can advise you further on next steps.
Tampa: George E. Edgecomb Courthouse
Plant City: Plant City Courthouse
St. Petersburg: St. Petersburg Judicial Building
Clearwater: Pinellas County Courthouse
Bradenton: Manatee County Judicial Center
Brandon: Brandon Regional Service Center
Ruskin: South Shore Regional Service Center
Bartow: Polk County Courthouse
Lakeland: Lakeland Branch
New Port Richey: West Pasco Judicial Center
Dade City: Pasco County Courthouse


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Site Error – Please Excuse Us!
This area of our website is undergoing maintenance at this time. These helpful links may assist with your search:
If you need immediate assistance, please call Customer Service at 1-800-752-7504. If this is a natural gas emergency, please call 1-800-752-7504 or 911.
Thanks for your patience!
Piedmont Natural Gas


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An opposition party legislator has accused the Ministry of Foreign Affairs (MOFA) of deceiving the public with regards to the official status of Taiwan's delegation at the 38th Assembly of the International Civil Aviation Organization (ICAO).
Democratic Progressive Party (DPP) Legislator Kuan Bi-ling (管碧玲) yesterday said that in the ICAO invitation letter, Taiwan's political status was denigrated and made subordinate to China, and it was not an invitation for "special VIP guest" invitation as claimed by the ministry.
Citing a copy of the ICAO letter, Kuan denounced the ministry for misleading the public, with what she said was "the Ma Ying-jeou (馬英九) administration's boasting and lying to Taiwanese."
Kuan said the invitation was issued to "Chinese Taipei Civil Aeronautics Administration."
Kuan said that, without a comma separating "Chinese Taipei" and "Civil Aeronautics Administration," the title meant "Taipei's CAA, belonging under Chinese PRC rule," which downgrades Taiwan's status.
She compared the invitation with that of the World Health Assembly (WHA).
The WHA invited Taiwan under the designation "Department of Health, Chinese Taipei," she said.
In the WHA invitation, the organization title is stated first, followed by the name of the country, she said.
"Taiwan's status in the ICAO assembly would be lower than that of the WHO," she said.
"Each time the Ma government attends a meeting of an international organization, Taiwan's status in the international community is denigrated. The government is pushing Taiwan toward being ruled by China. Thus it is creating the international customary usage in referring to our status, and this would be difficult to change in the future," Kuan said.
She also criticized the ministry for making a "grand show" of the ICAO invitation, referring to last week's press conference and media reports quoting the ministry as saying that the UN body had invited Taiwan's delegation as "special VIP guests" (特邀貴賓).
Kuan said that the ICAO invitation letter only said that ICAO Council President Roberto Kobeh Gonzalez was inviting Taiwan "as my guests."
From the copy of the ICAO invitation letter, issued to the Director General of Chinese Taipei Civil Aeronautics Administration, Kobeh Gonzalez's original words in the opening paragraph were: "I have the pleasure of inviting experts or officials of your Administration as my guests to be present at the 38th Session of the Assembly of the International Civil Aviation Organization which will be held in Montreal from 24 September to 4th October 2013."
"The letter was 'to invite experts or officials of your Administration,' but Ma's administration puffed it up by telling the public ICAO had invited the CAA to lead an official delegation," Kuan said.
Regarding this case, she also said that the ministry had requested her "not to circulate the ICAO invitation letter."
"Is the ICAO's letter not just an open invitation? Or is the government hiding something it does not want the public to know?" she asked.
She said it is clear that Ma's administration does not want the public to know the details of the invitation, which she likened to "betraying our country to gain personal glory."
She added that the government is likely trying to cover up the details of ICAO invitation and deceiving the public.
She demanded that the ministry explain who had accepted the term "Chinese Taipei Civil Aeronautics Administration," why the ministry lied to the public about being a "special VIP guest," and why the ministry tried to prevent the ICAO invitation letter being made public.


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Guess what ya'll! It was my turn to choose the Tuesdays with Dorie recipe! I had a lot of trouble deciding on one and finally settled on Dorie's Cherry Rhubarb Cobbler since I've recently become obsessed with rhubarb.
I had these great fantasies of having a gorgeous picture of this cobbler and making everything perfect since it was my week and all. Yeah, didn't quite work out for me. The cobbler was delicious (even the rhubarb hater that I call husband liked it) but it just didn't turn out pretty for me.
I adored the topping of this one. The whole wheat flour gave it a totally different texture from the usual cobbler toppings and really enhanced the whole thing. The rhubarb was amazing. The cherries were fabulous. I'm not a fruit person but I loved this cobbler. I even made some rhubarb ice cream to go along with it. (It melted very quickly…)
- 1 pound cherries pitted & halved
- 12 ounces rhubarb trimmed, peeled & cut into 1 inch pieces
- 1/3 cup sugar
- 1 tablespoon cornstarch
- 1 teaspoon ground ginger
- ¾ cup all-purpose flour
- ¾ cup whole wheat flour
- 3 tablespoons packed brown sugar
- 2 teaspoons baking powder
- ½ teaspoon salt
- ¼ teaspoon ground ginger
- 3 ounces butter cut into 18 pieces
- ½ cup milk
In a small bowl stir together the sugar, cornflour and ginger until well mixed.
Place the cherries and rhubarb into a large bowl, sprinkle over with the mixed dry ingredients and stir well. While making the topping, stir from time to time.
Make the topping:
Put the flours, sugar, baking powder, salt and ginger into a food processor. Pulse to blend. Sprinkle the butter pieces over the top, then continue to pulse until the mixture resembles breadcrumbs.
Drizzle in the milk and continue to pulse until it forms moist clumps.
Turn out onto a very lightly floured board.
Cut into 20 pieces and shape each into a ball.
Place the fruit and any juices that have been released into the baking dish. Spread it out evenly. Top with the prepared dough balls.
Bake at 375 for 35-45 minutes or until the topping is golden and fruit bubbling.
Cool the cobbler for at least 20 minutes.


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Two HIV-infected men are showing no traces of HIV in their blood after going through stem cell transplants similar to the one "Berlin Patient" Timothy Brown received, according to a study presented at the XIX International AIDS Conference.
The study results, discussed by Daniel Kuritzkes, M.D., from Brigham and Women's Hospital in Boston, showed a promising method of targeting the latent or hidden HIV reservoir.
Both patients underwent allogeneic (or foreign) stem cell transplantation for the treatment of lymphoma after being on antiretroviral therapy (ART) for about four years. The first patient was born with HIV and started ART three to four years before the transplant, while the second acquired HIV through sex in the mid '80s and started ART in 2003 before receiving a transplant in 2007.
Prior to the transplants, both men had undetectable viral loads, but still had HIV in hidden CD4 reservoirs. In contrast to Brown, they received a milder form of chemotherapy just before their transplants and were able to stay on HIV treatment throughout the transplant process.
While Brown's donor cells lacked the key CCR5 receptor, which HIV uses to attach to CD4 cells, the two men received donor cells that did have the CCR5 receptor and were fully susceptible to HIV. However, because they were able to remain on ART during the transplant period, the donor cells were not infected with HIV.
"We believe that continual administration of effective ART protected the donor cells from becoming HIV infected as those donor cells eliminated and replaced the patients' own immune cells, effectively clearing the virus from the patients' blood lymphocytes," Kuritzkes said.
One of the men has been followed for two years and the other for three and a half years. While both are still on HIV treatment, neither shows traces of HIV in their blood plasma and purified CD4 T cells using a sensitive culture method (less than 3 copies/ml). They are also showing a significant decline in HIV antibodies, suggesting a lack of HIV replication.
"The importance of our findings is that we have evidence now that we can protect uninfected cells from becoming infected when they're transplanted into an HIV-infected patient, a form of PrEP at the cellular level, if you will," Kuritzkes added.
The researchers plan on assessing the full extent of HIV reservoir reduction by looking for HIV in various body tissues and analyzing the effects of treatment interruption.


text: to make the last regression on our ten small cel hives next year!!! and then split off of those in the summer. and we mighnt split off our big cell hives just to make up for what dies on the winter. raise our own queens. and oh yea make lots of honey. make lots of small cell frames this winter.