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This weekend, save your money and use PCSTATS' Jedi knowledge
to put your PC in tip top running shape! Dig into a pile of handy
Guides, and sweep the performance sucking dust bunnies out of that old computer for
good. Make your computer run better, run smarter, and maybe even faster! Starting from
the top, PCSTATS has award winning Beginners Guides to 99
Windows Vista Performance Tips and Tweaks, and 99
Performance Tips for Windows XP!!
Windows Vista users will appreciate PCSTATS's guides to making older
software programs compatible with Vista, it's certainly a lot better than
buying all new programs. Since Vista can be a little tough on PCs, we also
discuss how to stop Windows Vista
from thrashing hard drives to death. PCSTATS covers installing
Windows Vista, and then it's naturally on to Vista crash
recovery and repair installs. If Vista is acting up, you'll want to read our
guide to safe
mode in Windows Vista before taking your PC to a repair center.
PCSTATS covers installing Windows XP and upgrading from Windows 98 to XP. Once you've got
XP installed, how about learning about some of its hidden features. Moving on, we tackle some of the
most asked computer questions like "how do I create MP3 files from my CDs?", " how do I burn CDs/DVDs and what formats should I use?." We also put you on
the right track towards converting your home movies into video files, then
turning those video files into DVDs. Most important of all, how
should you protect your data? We have some good answers, and
more than a few helpful hints to put you on the right track.
A second area PCSTATS Beginners Guides focus on is how to make
your computing life easier. For example, spam email has become a
painful fact of life for most computer users, but it doesn't have to
be such a major irritation. A beginner's guide to stopping spam gives you several easy procedures
which will quickly make spam email much less of an obstacle to your
use of email. Likewise, the proliferation of viruses and spyware on
the Internet threatens everybody. We give you a heads up on computer
safety in our guide to firewalls and Internet security , and cover the
safe removal of intrusive adware and spyware programs too. Do your wrists
and eyes ache from too much computer time? Check out PCSTATS' ergonomics guide for some handy tips towards more
comfortable computing.
Increasing your productivity within Windows XP is also a topic
covered in several of our guides. If you regularly work at home as
well as the office, you'll be interested in our guide to synchronizing files and folders so you'll always
have the latest versions of your files at hand with out confusion.
Own one of those handy-dandy USB key drives? take a look at a set of
cool and clever USB drive projects; you can do a lot more with
those things than you might think! Another handy thing to learn is
how to create batch files within Windows; these little
programs allow you to automate many of your most tedious tasks.
Tired of installing the latest Service Packs in every new Windows
XP system you create? Tired of installing Windows XP at all? Check
out this pair of guides, both of which are among the most popular
articles with overworked IT staff: 'Slipstreaming: creating a Windows XP CD with Service
Pack 2 included' guides you through the process of incorporating
the latest Windows XP Service Pack right into your operating system
CD, while the guide to creating a fully unattended Windows XP installation
CD gives you everything you need to know about automating the
Windows installation process in one handy location.
If you'd like to be sure that you have the basics of security and
computer hygiene nailed down, but don't have the time or the
inclination to learn about these subjects, try our quick guides to
securing your PC and getting rid of spyware, adware and browser hijackers.
If you want to know more about the guts of your system, the
hardware that keeps it going, PCSTATS has a series of articles just
the weekend hardware warrior. Take a look at our guide to assembling your own PC for a comprehensive,
step-by-step guide to building a home computer. Once you have that
mastered, you'll find the do-it-yourself guide to building a home theatre PC
a snap! The annual PC maintenance checklist helps ensure that your PC
will stay in top shape for as long as you own it. Sometimes it's
good to go back to basics, and a good way to start is with this
guide to computer memory. It explains how RAM works and why
you might want more of it if your computer is getting 'slow'. For PC
speed freaks, we cover RAID hard drive setups in detail, what they are,
and how to set them up. If you are feeling ambitious, how about a
bit of video card BIOS flashing?
Would you like to try overclocking but aren't sure where or how
to start? This guide to overclocking a videocard will get you moving in
the right direction. The companion guide to overclocking the processor, memory and motherboard
explains the overclocking process for the rest of the system
components; what the benefits are, as well as some of the potential
Interested in what makes Windows XP tick? Then we have some
articles for you; this guide to the Windows XP registry will take you through this
storehouse of XP customization settings, while the comprehensive
article on Windows XP's Safe Mode will equip you to use this
powerful recovery mode to your advantage. For Windows Vista users, see our guide
to Safe Mode Crash Recovery in Vista.
I'd also suggest you check
out the guide to the Windows XP services for information on what these
behind-the-scenes programs do, and how to create your own. If you
are experiencing frustrating crashes or errors (and what Windows
user hasn't at some point or another?) this handy guide to
understanding and resolving the infamous BSOD (Blue Screen Of Death) error
should be interesting reading. Finally, get to grips with the Windows XP command prompt to increase your
knowledge and control of the OS.
Upgrading and updating your PC is another inevitable task that we
try to make easier. Take a look at PCSTATS' guide to flashing your motherboard's BIOS for one example.
If you've grown used to your Windows XP install and hate the thought
of reinstalling to accommodate a new computer system or hard drive,
see this time-saving guide to cloning windows XP for another solution... Want to
upgrade your system but don't know where to begin? We have the
answers in this guide to the fundamentals of updating a PC , and it will
certainly give you a helping hand in the right direction. If all you
want to do is upgrade your motherboard, we've got an article on
handling this complex operation too. No more service charges!
If you are tired of Windows altogether, or wary of Microsoft's
operating system validation requirement for downloading patches, why
not consider moving to Linux? PCSTATS has written three guides to
this alternative OS, covering the basics of getting familiar with the Linux KDE desktop and
then moving into the process of installing a Linux PC. In the third installment,
we walk you through the task of installing new software in Linux, and where to
find some productive programs for free.
Networking is a very important area of computer knowledge,
especially as many homes now have more than one computer. Sharing an Internet connection among the computers
in your household is a good start. If you're curious, PCSTATS also
has guides to home networking, allowing you to share files
between the systems in your home, and an article on the benefits of wireless networking. While wireless is
extremely easy to set up and use, it has some security concerns that
every user should know about. In PCSTATS' wireless security article, we provide any user
with the knowledge they need to secure their wireless network from
intruders. Advanced users may find this guide to Virtual Private Networks (VPN) and internet connection
security especially useful. If you have a printer, why not share
it over your network so that anyone in your house can use it? The
easy to follow printer sharing guide has the goods.
Once you have a broadband Internet connection, there are a lot of
interesting things you can do with Windows XP that are not
immediately obvious. For example, how about enabling remote access, so you can work on your
desktop from any Internet enabled computer in the world? Or maybe
you'd like to create your own FTP server, allowing easy file transfers
over the Internet? Perhaps you'd even like to learn how to create
your own weblog ('blog') a small personal website. Speaking
of websites, this guide to website hosting from a home PC has
that critical topic completely covered! It's all here
in PCSTATS collection of Beginners
Guides. Once you've got a blog or website going, how about
setting up an RSS feed so others can track your site easily? If
you check out several bookmarks every day, learning about RSS readers could save you a lot of time.
Hardware failure is an unfortunate fact of life for PC owners,
and one of the things that keeps computer stores in business.
Fortunately there are ways to detect problems before they happen,
and reduce the damage if your hardware should fail. Hard drives are
one of the focal areas for failure in modern computer systems, due
to their mechanical nature. They are also rather easy to erase,
accidentally or maliciously. In one of our most popular and
acclaimed guides, PCSTATS Beginners Guides looks at ways to restore your lost data in the event of just such a
hard drive disaster. On the same topic, our guides to diagnosing bad memory and bad hard drives as well as interpreting your computer's 'beep' error codes will help you
troubleshoot your PC at home. If you'd just like to expand the
amount of storage space on your PC, well we've covered that aspect
too with the guide to formatting and partitioning a hard drive!
Encryption and passwords are important facets of modern computer
use, especially where the Internet is concerned. These subjects can
be rather hard to understand for the average user, however. We've
attempted to set things straight in this walk-through of encryption and online privacy .
Locked yourself out of your computer or file by forgetting a
password? In twin guides, PCSTATS' examines the strengths and
weaknesses of Windows password security and document password decryption giving you the
knowledge you need to reclaim access. Knowing how to break back into
Windows, or a locked document or ZIP file isn't something you'll
need to know everyday, but when you're in a bind this information
can be a life saver. PCSTATS also examines how to 'harden' your laptop computer , so if it is lost or stolen, at
least your data will be safe.
For assorted tips and tweaks that can make your Windows XP
experience, cleaner, faster and uniquely yours, we present our most
popular set of PCSTATS Guides; 101 tips and tweaks for Windows XP and 104 Great Tech Tips for Windows XP. That's 304
useful tips, every one of them tested. You are sure to find
something you like in one of these articles.
For some comic relief, as well as a serious look into the kinds
of problems and errors of judgement that may one day destroy your
precious computer, take a look at the extremely insightful guide to
the most common ways to kill a PC. Why not visit
our feedback page and share your own stories once
A quick patch update to Windows can extend the useful life of a PC. To take the fear out of Upgrading Windows 98 to Windows XP, rely on this guide. - PCSTATS Tips


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After hearing where I'm from, many strangers have looked at me as if I'd said I was recently cured of leprosy. Their expressions speak volumes: "How he manages to smile, I will never know. I'm glad he's OK, but, God, I hope he's not contagious."
They hear about our crime and violence. David Simon is a genius, but I worry that some of his less reflective fans view Baltimore basically as a prime location for a blaxploitation/zombie crossover film. Others don't like our accent. We have been held in such low esteem that Hollywood thought it was OK to destroy part of the city with a nuclear bomb ("The Sum of All Fears," 2002). Why, Morgan Freeman? Why?
But Sunday night, that seemed to change. There was something special about the way the Ravens won their second Super Bowl: the soul-searching after the big loss in Houston, Ray Rice's 29-yard scramble in San Diego, underdog status throughout the playoffs, brothers coaching opposing teams, the big lead, the blackout, the comeback, and Ray Lewis' retirement. It was all so miraculous, and the team gave the fans so much credit, that maybe, I thought, our luck and image could change. God was smiling on Baltimore.
How long this window to heaven would stay open, I did not know, so I spent the first 24 hours after the Super Bowl making requests. Everything I'm about to report is true.
Monday morning, I caught a train to Philadelphia for three days of meetings for my day job. After seeing one of the Amtrak attendants pick up a microphone, I asked if he would make an announcement congratulating Baltimore. It turns out he was a Ravens fan and was happy to oblige. One ask, one win. This was a good start.
In Philly, I asked the manager at the information desk at 30th Street Station if he would make a similar announcement, but he laughed dismissively. (1-1.)
Once settled into my room, I called my boss back in Baltimore — not my immediate boss but the executive director herself. For three years, I've resented the fact that my employer expects peons like me to pay to park on campus. So I told her about my magic-window-to-heaven theory, then made an argument for why I should get either a company car (n.b., no one in my organization has a company car) or a free parking space. She's open to my parking space idea. (2-1.)
Then I got serious. I called and wrote NASA to ask if they could send a small piece of Baltimore, perhaps a keepsake from Edgar Allan Poe, into space. A public relations representative said I should talk to someone at the Goddard Space Flight Center in Greenbelt and wished me well. Goddard, expect a call. I then sent the editors of the Oxford English Dictionary a few football-themed words they could use to update their "Baltimore" entry, wrote the governor's office and the White House to see if Baltimore could be declared the state and national capital for a day, and, for good measure, asked the Philadelphia Zoo if they would let me pet a baby cheetah. I'm still waiting to hear from the UK, Annapolis and Washington, and the zoo said no politely, so that's two wins, two losses and four to-be-decideds.
Not bad. But I think the greatest proof of my theory was my luck with transportation. As a black man, I sometimes suspect I'd have to get hit by a cab to make it stop, but for three days, I was the taxi whisperer. When I told a cabbie named Hameen where I was from, he congratulated Baltimore, then cursed the Philadelphia Eagles and their losing record with the venom mankind has typically reserved for murderers and thieves. "These guys make millions while working people struggle," he said. "Why should we care?"
He was right, of course. I know I had nothing to do with the Ravens' win. And with all the head injuries, I suspect that 40 years from now, the brutality of football will be as anachronistic as woolly mammoth hunts. But Monday night, as I said goodbye to Hameen and made my way up the steps of the Philadelphia Museum of Art, the end of Sylvester Stallone's famous run in "Rocky," I couldn't deny how good it felt to be from a place that has a universally acknowledged right to say something incredibly simple, yet profound: We won.
Lionel Foster is a freelance writer from Baltimore. His column appears Fridays. Email: email@example.com. Twitter: @LionelBMD.

subset: commoncrawl


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National Community Development Week 2018
Sponsored by: Board of Commissioners
Since 1979, the Washington County Community Development Block Grant Program has provided the County with important and flexible assistance to meet the needs of its low and moderate-income residents through the funding of neighborhood revitalization, housing rehabilitation, public improvements, flood relief, and social services.
Since 1992, the HOME Investment Partnerships Program has provided the County with a critical resource to fill the gap needed to finance the development of affordable housing.
National organizations such as the National Community Development Association and the National Association of Housing Rehabilitation Organizations coordinate the national effort. Participating members of the County's CDBG and HOME consortiums are making proclamations during this week. In addition, our non-profit housing and service provider partners are also making similar proclamations in support of these valuable programs.
Media Contact:County Administrative Office
(503) 846-8685


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Have you ever tried to edit a pdf file, been frustrated by the impossibility of that, and ended up rebuilding the document in word or Indesign? How about saving a video from your phone and then trying to share it? Zamzar, a web-based file conversion tool for converting documents, music, images, and movie files, can help you out. This multi-file type conversion tool has been around for a few years and gets favorable reviews from both Wired and Lifehacker.
There is a free version, a basic version for $7, or a pro account for $16. Zamzar's free version does limit the size of the document that you can convert to 100 MB, and you then have to click on a link to get to the converted document, but it works!
I tested it by uploading a PDF which I wanted to convert to a word document. After a few minutes, I received an email with a link to download the converted document. Amazingly, the formatting, including colors, was all there.


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In the previous tutorial, we mentioned the useful BITx definitions in the device-specific header file. These were at one time variation specific (eg. msp430x2x01 as opposed to msp430g2001), but with the most recent version of Code Composer Studio, TI appears to be moving to device specific header files. Whenever you write software for your MSP device, be sure to include the appropriate header file. For this tutorial, if you're not using a LaunchPad or the G2211, change the header file to whatever device you're using.
So the start of any MSP430 program will have a line similar to this:
#include <msp430g2211.h>
For simple programs, this is often all that is needed before coding the main function, and that is certainly the case for the "Hello, world!" program of microcontrollers, blinky. Blinky is a simple program that toggles an LED at a given period. It's best to use timers, interrupts, and such to do this type of function, but you'll have to wait until we look at those types of peripherals and functions before we can do that. The simplest way to get the program to work is with some type of delay loop. The LaunchPad has a green LED connected to P1.0 and a red LED connected to P1.6. We'll use the green LED for now. Let's get started!
The beginning of our code looks like this:
#include <msp430g2211.h>
void main(void) {
} // main
Unfortunately, we do need one step that we can't explain completely yet before we do anything else. The MSP430 includes a special timer called the Watchdog Timer (WDT). Its function is to reset the CPU if it gets stuck (ie. the watchdog timer runs out). This timer is on by default when the chip powers up. Though we could use this timer to give us our delay, for now we don't want our program to reset on us, so we need to first turn this timer off. (We'll look at using the WDT later.)
The WDT has a 16 bit register called WDTCTL, but only the first 8 bits have any control. The upper byte is used as a security measure; to prevent your code from accidentally changing the WDT, you must provide a password. The password turns out to be 0x5a (in the upper byte, so actually 0x5a00), but the header file helps you out by defining that value as the much easier to remember WDTPW. Add this value to the 1-byte configuration value you want to assign to WDTCTL. To turn off the WDT, we can use the header-defined value WDTHOLD:
You'll get into the habit of starting all of your first programs with this line, but keep in mind the WDT has a lot of useful functions. We'll discuss those when we talk about the WDT in depth.
Ok, now that we've disabled the watchdog, we can continue writing the code. We want to light an LED on P1.0, so we can use the last tutorial to set that up:
Now we want to toggle the LED and delay for some given amount of time. I'm using a for loop, though a while or do-while loop would be just as effective. We'll need a counter for the loop, so remember to define it at the start of the code:
#include <msp430g2211.h>
void main(void) {
unsigned int count;
for (count = 0; count < 60000; count++);
for (count = 0; count < 60000; count++);
} // main
What happens when we get to the end of the code? In a computer, it would just exit. In a microcontroller, however, it would just move on to the next address to read its next "instruction". There could be just about anything in there, from random noise to leftover code from older (larger) programs. In any case, it would just continue stepping merrily through the address space until it gets to the end and then... well, I don't know what happens. It's not what is intended to happen in any case, so we need to prevent the processor from ever moving beyond the actual code. We'll do this now by putting the code into an infinite loop. That's usually a bad idea in computer code, but essential here.
Again, you could easily do the same thing with a while(1) loop or something similar instead.
So there's blinky. The light turns on, it waits, turns off the light, waits again, then goes back to the beginning to do it all over ad nauseum.
Note there's a cleaner way to accomplish this task:
#include <msp430g2211.h>
P1OUT = 0; // initialize LED off
P1DIR = BIT0; // P1.0 output
Reader Exercise: Write a program like blinky that alternates the green and red LEDs on the LaunchPad (the red LED is on P1.6). Then modify the program so that it alternates flashing the green LED, then the red LED, with short pulses and a delay between the individual flashes.
Disclaimer 2: When I first typed up this post, I declared the count variable as just int count;. In the MSP430 compiler, a 16-bit plain int cannot count up as high as 60,000; it reaches its highest value then wraps around to a negative value. Using a plain int for this code will never leave the delay loop. An unsigned int, rather, is non-negative. Using an unsigned int allows us to count up higher. Longer delays may require an unsigned long. An alternative would be to use a hex notation; 0xFFFF is the highest value an int can count to. In plain int decimal, this corresponds to 32,767. In unsigned int decimal, it's 65,535.


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Dishonored is promising a lot. The upcoming first-person game from Arkane Studios will supposedly offer up its stealth, strategy and combat options in accordance to how you want to play the game. In this new trailer, Arkane leads Harvey Smith and Rafaël Colantonio are joined by their fellow creators to talk about making Dishonored's world and game design work together.
You'll see more of the game's gorgeous alt-reality United Kingdom in the teaser, as well as glimpses of some of the powers and weapons you'll be wielding in the October release. The more I see of this game, the more I want it.


text:
These eye catching earrings are the perfect accessory to add a little pizazz and fun to any outfit. You'll definitely get noticed with such a pretty earring set that will be a splash to your wardrobe.
- Item #: ER111
- Manufacturer: Unbranded
Blue Yellow Owl Rhinestone Wholesale Stud Earrings
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text:
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Pardon the pugilistic puns, but star chef James Syhabout's new Box and Bells is a knockout.
It's been several weeks since we dined at the buzzy Oakland restaurant and we're still buzzing — over the scallops, the Smithfield Ham, the cool cocktails and even cooler vibe.
With a nod to boxing motifs, a large dog (a boxer, of course) is painted on the front window, and moody atmospheric lighting adds to the gritty, industrial chic vibe. Modern art — painted in concrete hues of taupe and gray — shares space with a collection of dangling boxing gloves. A long bar runs the length of the lively, loud space, with square wooden tables tucked along the sides. And a polished waitstaff moves in a serenely orchestrated, ever-moving stream, delivering cocktails, small plates and shareable entrees.
It's very much a Syhabout place. Exec chef Benjamin Coe came from Commis, Syhabout's Michelin-starred Oakland restaurant. General manager Jason Friend hails from Hawker Fare, Syhabout's street food extravaganza. And the food comes from local organic farms and some of the nation's most vaunted vendors — hello, Smithfield Ham. So settle back, order up and prepare to be wowed.
The craft cocktails — which include a citrusy, gin-based Mister Manhattan ($10) and the velvety Fourth Regiment ($10, rye, vermouth, triple sec, bitters and celery) — are designed by Christ Aivaliotis, whose résumé includes stints at Oakland's Flora and Duende. Not in a cocktail mood? Opt for wine by the glass or bottle, local beer or craft sodas.
It's clear that a lot of attention has gone into the thoughtful, mostly small-plates menu, which features all sorts of unusual combinations, from the fried chicken with raw oyster mayonnaise ($15 on the small-plates menu) to the Brussels sprouts with fermented squash ($7 for a side dish). The result is a seasonal, ever-changing menu of surprises.
The "nibblings" menu includes smoked almonds with pepperoni spices ($4), deviled eggs with crispy shallots ($5) and a potted chicken liver pate ($11). But we found the siren call of the small plates impossible to ignore: Oysters on the half shell with a Meyer lemon citronette ($16), grilled Camembert ($10) and Mussels Tikka Masala ($15). We left the Blood Pudding Poutine with cheese curds ($15) for someone else to explore. But we are still talking about the country ham platter ($16), with its paper-thin slices of Smithfield Ham that absolutely melted in the mouth. It was served with small, round hush puppies and a maple butter that could have used a tad more maple.
The sea scallops ($17) served with corn spaetzle were so good, the crispy edges of the seared shellfish and almost nutty butteriness of the spaetzle so luxurious, it was tempting to ask for seconds. The kitchen could probably scale back a bit on the butter, which pooled on the soon-empty plate, but this sinful dish was a favorite.
Small plates are a delightful but expensive way to dine, and these add up quickly, whether you go straight small plates or add an entree to the mix. The entrees — a Roast Half Chicken ($25) with maitake mushrooms, garlic butter and sherry, for example, or the Box Burger with Gruyere and aged beef fat on a sesame pretzel ($16) offer slightly larger portions, which you can share (or keep to yourself). We shared bites of a meltingly tender steak ($50), made even more decadent with the addition of a crayfish bearnaise.
Delicious, but you'll want to explore the side dishes, if you crave a little greenery with that entree. We opted for grilled broccoli ($6) — very leggy, like broccoli rabe — with lemon and Parmesan, and a roasted celery root ($7) that tasted like potato's grown-up and vastly more interesting cousin, drizzled with savory juices from the meat.
The dessert menu is just as interesting, with a fennel-pear cobbler ($8), fruit galette ($9) and more. Given all the bearnaise, butter and more butter we'd had, we probably should have just stuck with the very good coffee ($6, French press for two). But we are fools with, apparently, a pathological desire for serious gym time. Or bigger pants.
We spooned up bites of Butter Bourbon Pudding ($8) — a subtle butterscotch pudding, served in French canning jars with snickerdoodles — and tastes of Lemon and Honey Trifle ($8) with wheat ale cake, buried under cream and mascarpone. And then had the nerve to complain that they were too creamy.
Truth is, these very nice desserts are probably fine if you exercise some restraint with the rest of the menu. Us? We'd rather have another serving of that scallop spaetzle and forgo dessert.
Box and Bells
* * * ½
WHERE: 5912 College Ave., Oakland
CONTACT: 510-923-2000; boxandbells.com
HOURS: 5:30-10 p.m. Wednesdays and Thursdays; to 10:30 p.m. Fridays and Saturdays; and 5-9:30 p.m. Sundays
CUISINE: New American
PRICES: $$ for small plates, $$$ for entrees
VEGETARIAN: This is a meat- and seafood-centric spot, with enough salads and vegetable side dishes that one could cobble together a vegetarian meal.
BEVERAGES: Wines by the bottle and glass, craft cocktails
RESERVATIONS: Essential
NOISE LEVEL: Loud
PARKING: Street parking; Rockridge BART is two blocks away.
KIDS: This is a very grown-up spot. Get a sitter and enjoy yourselves.
PLUSES: Eclectic, creative dishes made with pristine ingredients and served in a sleek, chic setting make this a date night winner.
MINUSES: Some diners may find some of the dishes too adventuresome.
DATE OPENED: November 2013
We don't let restaurants know that we are coming in to do a review, and we strive to remain anonymous. We pay for our meal, just as you would.
Restaurants are rated on a scale of one to four, with four representing a truly extraordinary experience for that type of restaurant.
Price code
$ Most entrees under $10
$$ Most entrees under $20
$$$ Most entrees under $30
$$$$ Most entrees under $40


text:
The reason why there is no comma between the adjectives is that the adjectives in your sentence are so-called cumulative adjectives - meaning that they do not modify independently (i.e. separated by a comma). So, no comma between them.
One way to help recognize when/ when not to use commas is to place the word 'and' between the adjectives and see if the sentence still sounds right.
Let's see here:
We have a spacious and well-ventilated library. / an equipped and computerized library. (still sounds correct; so, no comma between the adjectives)
The man who stole my wallet is a dirty and rotten scoundrel. (now sounds wrong)
It should be a comma between the adjectives: he is a dirty, rotten scoundrel. (sorry for this example)
Student or Learner


text:
Next spring, 72 million Americans will open their quarterly 401(k) statements and, for the first time, they will see the true cost of their retirement investments spelled out in new fee disclosures. The sound of all those envelopes being torn open—and the collective gasps, screams and confusion likely to ensue—will echo throughout the financial services industry.
It is fair to say that this national case of sticker shock will fundamentally alter the $3-trillion 401(k) industry, putting vast amounts of retirement plan assets in motion and providing fee-based investment advisors with significant new opportunities and challenges.
The trigger for this 401(k) sea of change? Long-awaited Department of Labor rules will go into effect in April 2012 and are designed to improve fee transparency in 401(k) plans. One rule, ERISA 404(a)(5), gives 401(k) participants detailed information about fees and expenses and creates uniform standards for calculating and disclosing investment expense and return information. The result, according to the DOL, allows participants to make "apples-to-apples" comparisons among investment options.
A companion regulation, ERISA section 408(b)(2), focuses on disclosure of direct and indirect compensation service providers receive, including fiduciary or RIA services; recordkeeping or brokerage services related to investment options made available in a plan; or other services for which indirect compensation is received, according to the DOL. It also requires service providers to state explicitly if they are acting in a fiduciary capacity.
While they are a step in the right direction, the rules fall short of full fee disclosure. They do not go far enough to provide plan sponsors and participants with a clear understanding of the true cost of a 401(k) plan. Notably, the disclosure of investment costs actually incurred by participants—typically the single largest plan expense—is not required by DOL regulation.
According to a study by Deloitte and the Investment Company Institute, investment expenses account for 74% of a plan's "all-in" cost. The DOL only requires the disclosure of the expense ratios and the amount per $1,000 that it would cost participants to be invested in the fund, leaving the burden on the participant to perform the calculations to determine their investment expense.
The Cost of "Free"
Despite their shortcomings, the new rules will nevertheless shatter the old myth, perpetuated by some product providers, that 401(k) plans are "free"—a myth that is especially prevalent in the small to midsized plan market ($1 million to $50 million). According to industry estimates, there are about $900 billion in these plans.
The free 401(k) myth is also a widely held truth among participants. According to an April 2011 AARP survey, 71% of plan participants thought they paid no 401(k) fees, while only 23% knew they paid fees. The survey also found that 61% were unaware of how much they paid in fees for their plan, while only 32% felt knowledgeable about the impact that fees play in overall plan performance.
Many firms that market to the small to midsized plan market have traditionally marketed free 401(k) solutions as another means to get assets into their highly profitable investment products, annuities and mutual funds. They do this by shifting the cost burden onto participants, layering service fees on top of investment expenses and thereby reducing the net returns of the investments. However, since the largest component of 401(k) plan fees is usually attributable to the investment management fees, it is critical that these fees are included in a plan's all-in fee calculation. It could very well be that a free plan that does not charge recordkeeping and administration fees is actually cheaper than a plan with lower investment expenses and explicit fees. Yet, the converse could be true as well. As long as plan sponsors have all cost information at their fingertips, with the assistance of an experienced advisor they will be able to make an informed decision. While the new regulations will provide most of the information plan sponsors need to determine their total plan cost, an advisor's value could be added by consolidating these fees and providing benchmarks for comparison.
Money in Motion: Risks and Opportunities for Advisors
How much money will be in play with the introduction of new fee disclosures? At the 2010 SPARK Forum, Robert Wuelfing, president of RG Wuelfing & Associates, projected that about $206.4 billion in 401(k) assets would turn over in 2011. At Lincoln Trust, we believe that plan turnover will likely increase significantly in 2012 as the disclosure rules come into effect, particularly in the small to midsized plan market. Large plans, which have the muscle to negotiate fees and armies of consultants to select investments, will tackle the issues on their own, but small to midsized plan sponsors will be looking in part to advisors to understand the regulations and make smart investment choices.
"I call it the 'perfect storm' for advisors," says Jerry Kalish, president of National Benefit Services Inc., a Chicago-based retirement plan consulting, actuarial and administration firm. Kalish says that with tens of thousands of baby boomers entering retirement, new regulations clouding the waters and market volatility causing concern among participants, plan sponsors will be under pressure to get their 401(k) house in order.
There are both defensive and offensive strategies for advisors. Regardless, advisors in the 401(k) marketplace don't have a choice but to understand the regulations and find business partners that will help them grow their business.
Positioning advisor practices for success will be a team effort. "You don't have to know everything about ERISA, but the days of stumbling onto a 401(k) opportunity are over," says Kalish. "As the industry unbundles, you will need to form a winning team to provide clients with the service and advice that will motivate them to stay put or make a change."
Watching Your Assets
In the market turmoil of 2008, some advisors were running scared, refusing to answer calls or communicate with clients. Those who thrived during the market collapse—who, in the words of former White House Chief of Staff Rahm Emanuel, didn't "let a good crisis go to waste"—were servicing clients and finding prospects.
A similar situation is arising in the 401(k) world. With greater fee transparency, advisors need to get out ahead of the change and start talking to clients to help them understand the ERISA rules and prepare them for the potential firestorm from participants who see the full effect of fees on their retirement savings. Having honest discussions now and providing support over the next several months will cement relationships with current plan clients.
Helping plan sponsors aggregate and analyze the multitude of disclosures may be another way to keep clients happy. As an example, ERISA 408(b)(2) does not set a uniform format for service providers to disclose fees. Thus, a plan sponsor could end up with a multitude of disclosures that differ in form from auditor to TPA to recordkeeper. As an advisor, you can play quarterback and help clients gather and consolidate fees and then develop a consistent reporting format.
RIAs who don't get proactive may be blindsided by the changes. In its report, "ERISA 404(a)(5): A Game Changer," the Boston-based research firm Dalbar noted that some advisors may face challenges depending on how their relationships and compensation are structured.
"Once the cost is exposed and examined, the critical question will be whether the adviser's services are both essential and economical," notes the Dalbar study. "When the plan sponsor is aware and agreeable to the adviser's compensation there is no real threat. Advisers who provide ongoing support with demonstrable results are not likely to be challenged, even if their compensation is a surprise to the plan sponsor. On the other hand, advisers who receive indirect compensation, but are not providing ongoing support to either the plan sponsor or the participants, will likely be the first casualties in the mission to lower cost."
The lesson here for advisors is that the onus is on you to be knowledgeable about the regulations. If you are in the 401(k) business, you better not be pushing products, as you will likely be perceived as a conflicted, costly extravagance by plan sponsors.
Snaring "Breakaway" 401(k)s
Armed with knowledge about the new regulations and with a team of recordkeeping, trust, custodial and other service providers as potential resources, advisors have several avenues in pursuit of "breakaway" 401(k) plans.
Opportunities for prospecting new plans can start with online data providers such as FreeERISA.com, which provides access to all Form 5500s filed with the Department of Labor over the past two years, including data on retirement, health, life and other benefits plans. The Sept. 15 deadline to file plans with a calendar year ending June 30 recently passed, which means advisors can access a plethora of new information on 401(k)s. Data includes plan contact information, renewal dates and financial and service provider information for 2.6 million retirement programs.
Using the 5500 filing, Paula Hendrickson, director of retirement services at Denver-based First Western Trust Bank, is filling the firm's pipeline with high-quality leads. Data such as fund share classes and high 12b-1 fees can often lead to opportunities and a conversation about fees. "We have been fee-based forever, even when it was a business risk to show fees," she said. "The new disclosures are helping to level the playing field and they make us more competitive than ever."
In these situations it may make the most sense to approach potential breakaway plans as an individual advisor rather than as a package of providers. As an independent, RIAs can offer the advice and evaluation that plan sponsors need to identify potential cost and service issues. Once identified, advisors can then tap the network of service providers to offer a comprehensive solution. "It is an easier sell to come in on the side of plan sponsors rather than pushing a total package from the start," said David Halseth, principal at Strategies LLC, a fee-only investment and plan consulting firm that advises institutional clients, primarily participant-directed defined-contribution plans.
Marketing—in the form of seminars, events and networking with professional referral networks—can also provide an entrée to new business.
Given the complexity of the new regulations and their potential impact on plans, educational seminars have proven to be of great interest to sponsors. A seminar Lincoln Trust co-hosted last spring drew about 50 plan sponsors to a two-hour lunch in which attorneys and consultants drilled down into the details of the DOL regulations. Much of that time was spent in a detailed Q&A with human resources officers and other representatives from small to midsized plan programs eager to understand their roles, responsibilities and options. We expect interest to accelerate as fee disclosure deadlines approach.
Smaller gatherings also can generate good results. Halseth says Strategies hosts a monthly roundtable with two to four clients and an equal number of prospects. The roundtable typically features a speaker addressing a relevant topic such as fiduciary education, disclosure issues and primers on plan fees. Strategies also hosts a monthly happy hour at its offices. Collectively these events keep prospects informed and engaged and have helped lead to new business.
Helping Clients Retire With Dignity
In the end, the success of the new fee disclosure regulations and the ability of advisors to generate new business should be measured by the degree to which we as an industry are helping our clients retire with dignity. To date, the 401(k) industry has failed in this fundamental mission. Too many Americans are not prepared for retirement and too often providers are seeking to maximize profits at the expense of participants.
Fee-based RIAs are the ideal industry players to help lead this industry change. By educating plan sponsors, advocating for plans that don't layer fees on participants and encouraging plan policies such as auto-enrollment and auto-escalation in 401(k)s, we can increase retirement savings and help companies and employees meet the challenges of the future.


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text:
Old Dominion vs. Drexel Quotes
By ODU Athletics
Feb. 19, 2003
Old Dominion Head Coach Blaine Taylor:
"There were two pretty evenly matched teams. We spilt the season. They really came out early, but I have to credit our bench. They really did a good job playing and it gave us a good chance down the stretch."
"Drexel is hard to simulate. The pattern and play take adjustment. We adjusted after the first 10 minutes. I wish we would have kept it."
"Janko (Mrskic) gave us some good minutes, Isaiah (Hunter) was a real jolt, John (Morris) pretty heavy play, T.J. (Waldon) gave us a big lift in the second half, and Kiah (Thomas) had a real nice rotation. Our bench gave us chance to get back in the game."
"They (Drexel) made some three's. It was a big factor, but you can't cry over spilt milk. You have to pick up and keep going."
Senior Forward Rasheed Wright:
On the Whistles:
"You have to play through. Our coach tells us that if we wait for whistles to blow, we won't win many games."
Junior Guard John Waller:
"I didn't get the joy of putting in the last basket. Anyone of my teammates was capable of making the shot."
"They put in a lot of good shots at the end and we tried to match that, but we didn't. We got some rebounds and second shots, but we didn't finish it and it hurt us."
Drexel Head Coach James "Brusier" Flint:
"Another tough game against these guys down to the wire. We did a better job rebounding today."
"We played with a little bit more intensity. Every game they play it comes down to the last minute and this time we were able to pull it out."


text:
|Authored By: Ellen Sue Spicer of Hands on Nutrition
|A very healthy popable treat!
|Diet Types: Vegan, Vegetarian
|Serves: 6
|Cooking Time: Under 30 minutes
|In a small bowl mash together tahini and ground Flax Seeds. In another bowl, mix maple syrup, protein powder, and Carob powder. Add tahini/flax mix to other ingredients. Form into small balls and roll in Sesame Seeds or coconut. Place on a tray and freeze a couple hours. Serve chilled, but not frozen.
|Printable Version
|E-mail a Friend


text:
Since 1983, Management Consultants for the Arts has had a rich involvement with arts and cultural organizations of all types and sizes throughout the country including theatres, museums, music and dance companies, performing arts centers, science centers, historical societies, colleges and universities, service organizations, public agencies, arts councils, and foundations.
Our services include consultations in executive search for senior level leadership, organizational analysis, planning, board and staff retreats, seminar/workshop development and facilitation. We work with organizations in all stages of development - from new start-ups to established institutions - including those grappling with complex issues of founder succession and transition.


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The equivalence I describe below is well-known, but I'd like a simple standard reference for it.
Consider $\mathbb{C}\mathbb{P}^1$, the set of one-dimensional subspaces of $\mathbb{C}^2$, which has a metric given by the angle between subspaces (varying between a minimum of $0$ for identical subspaces and a maximum of $\frac\pi2$ for a subspace and its unique orthogonal complement) and which has holomorphic isometry group $\mathrm{PU}(2)$. Consider on the other hand $\frac12 S^2$, the sphere of points distance $\frac12$ from the origin in $\mathbb{R}^3$, which has a metric given by great-circle distance (varying between a minimum of $0$ for identical points and a maximum of $\frac\pi2$ for a point and its unique antipode) and which has orientation-preserving isometry group $\mathrm{SO}(3)$.
Now define a map $\varphi : \mathbb{C}\mathbb{P}^1 \to \frac12 S^2$. The subspace spanned by $(0,1)$ is sent by $\varphi$ to the north pole $p = (0,0,\frac12)$. Any other subspace is spanned by a uniquely defined vector $(1,a+bi)$, for $a$ and $b$ real and $i^2 = -1$, and $\varphi$ sends it to the point at which the open ray from $p$ through $(a, b, -\frac12)$ intersects $\frac12 S^2$. (This is a shift of the standard stereographic projection to place the center of the sphere at the origin.)
Claim: The map $\varphi$ is an isometry from $\mathbb{C}\mathbb{P}^1$ to $\frac12 S^2$, and the map from $f \in \mathrm{SO}(3)$ to $g = \varphi^{-1} f \varphi \in \mathrm{PU}(2)$ is an isomorphism of Lie groups.
The fact that the two Lie groups are isomorphic is mentioned (without reference, by a sequence of isomorphisms) in Wikipedia and the isometry also appears as a special case of something more specialized. I expect that some version of the equivalence I want is covered in any standard text on quantum computing, where $\mathbb{C}\mathbb{P}^1$ is called the Bloch sphere. If possible I would prefer not to use such specialized references for what is essentially a simple (but somewhat tedious to verify) piece of geometry.
Is there a good standard reference, ideally requiring minimal background beyond standard undergraduate mathematics, that would suffice to treat a collection of vectors in $\mathbb{C}^2$, considered up to individual scaling and simultaneous action by $\mathrm{U}(2)$, as being equivalent (under an explicit map) to a collection of points in a $2$-sphere, considered up to Euclidean geometry?


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Lil Wayne is back in hot water with the justice system. After not appearing in court due to last week's health scare, the judge overseeing his lawsuit against Quincy Jones III scolded the Young Money boss for his behavior in video depositions.
Wayne's lawyer informed the judge that the deposition tapes will be played for the jury in his client's absence. The tapes show the "A Milli" MC brushing off questions from attorney Pete Ross with taunts and repeatedly defiant answers to questions.
In the video, Wayne tells his lawyer, "Pete Ross, that's a stupid ass question," after the counselor asks the rapper to verify that he'd given an interview with Katie Couric. When Ross asks if he remembered his 2010 stint on Rikers Island, Wayne glibly replies, "I don't know." With each question, Wayne grows visibly more irritated with Ross, ultimately issuing a vague threat by the end of the video.
The tapes, released by TMZ last month, inspired thousands of responses on Twitter to Wayne's "hilarious" deposition. The judge was not laughing, however, saying the Young Money CEO is shown displaying "unreasonable conduct in the deposition" and "irresponsible behavior."
The rapper, born Dwayne Michael Carter Jr., is suing Jones over what he called the director's "scandalous portrayal" of him in "The Carter," a 2009 documentary about the multiplatinum spitter's life. Wayne is also suing over the alleged unauthorized use of his music for the film.
Weezy suffered a medical emergency while flying on his private jet Thursday and was hospitalized briefly after his plane made an emergency landing in Texas. His rep issued a statement that the rapper had been successfully treated for a severe migraine and dehydration, refuting earlier reports that he had suffered a seizure. TMZ reported that he suffered a second seizure, but reps also denied that to MTV News. Wayne took to Twitter on Saturday to announce that he was all good and thanked everyone for their prayers. Wayne is currently recovering at his mother's home in Louisiana.


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text:
Initially I didn't just want to put Malteasers into a cupcake, I wanted to recreate the flavour of the malty honeycomb in the sponge. I scratched around my cupboards looking for inspiration and found a few sachets of Horlicks lurking right at the back of my spice shelf, who knows how or why it came to be there but it was perfect!
The addition of horlicks added a really lovely subtle malt flavour to the sponge but they weren't massively "horlicks-y" which was just what I was going for. The flavour was lovely but the best bit was the smell. The smell of horlicks is something I find quite comforting, and add that to the already comforting smell of freshly baked and cake and your onto a winner.
On a bit of a whim, just before I popped them in the oven I decided to pop a couple of malteasers in the sponge, I thought that the crunchy, melty malteaser would be lovely nessled in the middle. What I didn't consider was the fact that malteasers are stupidly light and would float to the top of the cake while baking and therefore burn. I was not best pleased.
However I didn't let that put me off finishing them off with a dollop of icing and a healthy topping of malteasers.
Back in June I won some Renshaw goodies, one of which was a pack of Snip and Swirl icing. Basically ready made icing which you pipe straight from the packet using a series of guides to cut various nozzles (in theory).
I have to say I wasn't overly impressed with the icing. I snipped the pack into a star-type nozzle and found it didn't really work as it was suppose to. I also found the flavour a bit off, it was very sweet, almost alarmingly so.
A thin scraping on the top was all I could handle, the one I had piped had to be scraped clean before eating. I am not sure I would personally buy this product again as I prefer the freedom of making my own buttercreams and frostings and piping them. However, I think perhaps someone who was baking with little ones or didn't have the equipment to make their own it would be an OK substitute.
So the moral of this story for me was "always make your own icing".
Have you ever used ready made icing? Are there any good ones I should try?
N.B - after proof reading this post I realise I have used the word Malteaser about a flobbitygillion times... Apologies, but they are bloody good chocolate


text:
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text: Come pray the evening prayer of the Liturgy of the Hours, the official Prayer of the Church. Following the Liturgy of the Hours will be Eucharistic Adoration. Liturgy of the Hours is held every Monday following the 5:15 pm Mass. Please join us for this spiritual experience of prayer with Jesus, Mary, and our Catholic community. All are welcome!


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In this online program, you'll learn the fundamentals of photovoltaic "PV" solar powered energy systems, gaining the knowledge you'll need for an entry level position with a dealer, installer, or other photovoltaic industry company.
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Get the renewable energy training you need as you learn the basics of solar systems, their benefits, and their many applications. Examine the history of photovoltaic solar power, and gain a sense for where the PV industry is headed. We'll start with basic safety, including how to avoid potential accidents and how to create a safe work environment as well as the use of protective equipment. You'll master the fundamentals of electricity and solar energy, including how to calculate simple circuit values and predict solar position using solar path diagrams. Upon completion of this program, you'll have a thorough understanding of PV applications, working safety as it pertains to this field, basic electricity, and PV module fundamentals.
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text:
Graham Elliot to open Greenwich eatery
Celebrity chef Graham Elliot plans to serve up a new eatery by the end of this year on Greenwich Avenue, with a menu billed as "American classics 2.0."
Primary Food & Drink is set to open within the next three months in an approximately 3,600 square-foot space in a new building at 409 Greenwich Ave., the site of the erstwhile Thataway Cafe. It will seat about 100 in two dining rooms and 36 in its parlor.
"Graham and myself are very humble people, and I think the greatest compliment people pay us about our restaurants is that when they eat there they say they have fun," said Merlin Verrier, Elliot's director of operations, who will also serve as Primary's executive chef. "It doesn't have to be this pretentious thing. It's good food and re-envisioned with the utmost integrity to the food and service."
The restaurant's menu will include Caesar salad, pot roast, beef stroganoff and buffalo chicken. Verrier used the "American classics 2.0" descriptor to describe Primary's reinterpretation of those familiar dishes.
"For instance, everyone has a perception of Caesar salad, and when they try our Caesar salad, their perception completely changes," Verrier said.
Primary will also offer cocktails and a wine list featuring mainly American varietals.
The restaurant takes its name from a dictionary definition of the word, meaning "first or highest in rank, quality or importance."
Primary comprises Elliot's first East Coast restaurant venture. He helms two Chicago restaurants, Graham Elliot, which has earned two Michelin stars, and Graham Elliot Bistro. From late 2010 until its closing in August, he also ran Grahamwich, a sandwich shop in Chicago's River North area.
Primary's ownership team includes Elliot, Verrier and Greenwich native Justin Shaw.
In recent years, Elliot has built a national profile, becoming a regular on several culinary-themed television shows. He is a judge on FOX's "MasterChef" and has also appeared on "Iron Chef" and "Top Chef Masters." Other projects include him serving as the culinary director of Chicago's Lollapalooza music festival.
Local gastronomes can get a taste of Primary's fare this week during the Greenwich Wine + Food Festival at Roger Sherman Baldwin Park, where Elliot will debut dishes from the menu. Elliot is scheduled to run a Cooking with a Master Chef demo on Saturday at 3:30 p.m. in the park.
The 2013 festival will mark Elliot's and Verrier's third appearance at the culinary gathering.
"We went there the first year with no idea of what happens in Greenwich, and we had an amazing experience there," Verrier said. "We came again last year, and we loved the sense of being close to a seaboard, and, with that, comes access to an amazing amount of food that you can't access in the Midwest. Thinking about that, Primary just made sense."
firstname.lastname@example.com; 203-625-4439; twitter: @paulschott


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With only two months left 'til release, fans all over the world shout his name while shaking their fists in impotent anger. As spotted by Dualshockers, Metal Gear showrunner Hideo Kojima recently tweeted two photos of him playing (well... more "poking at", really) Metal Gear Solid V: Ground Zeroes on a PS4, showing off the game on the dashboard and one of the splash screens.
The above pic he subtitled "Here we 'begin' again today," while about one below...
... all he said was "And starting." Now, let's hope he stops before we have an angry mob on our hands.
Photo 1, Photo 2 [Hideo [email protected], via Dualshockers]


text:
AirCast Mike necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 18 diseños de 7 diseñadores freelance.
AirCast Media
AirCast Media is about to launch a new "Hotspot Entertainment Network" in conjuction with our turnkey hotspot internet service. Upon signing up via our wifi hotspot service, our customers will be directed to our own landing-page portal to view movies, and tv shows on the internet. We have partnered with a company called Spreety (http://www.spreety.com) to use their API to connect to their database of online shows. They will provide links to the appropriate shows and will provide the icons for each show. Please see spreety.com for an example. We are in need a new UI and graphics for the landing page.
Wifi Hotspot internet users, young, technology-oriented users.
What we are looking for a is new, compelling UI to present the shows that are offered online via links on our site. We need a new landing page and a creative layout of the show icons (channels) to accommodate the links that Spreety will provide. We also need a button on the page that will enable users to connect to the internet.
So, when a consumer pays for internet access at one of our locations, after they pay, they will be directed to our landing page (that you'll design) that will offer them to click on TV shows/movies or surf the internet. We need a great UI that utilizes our company colors and logo.
We need to present the shows in a creative and easy to navigate way. We would also like to add/remove links ourselves after the project is completed, so please use a common-sense programming layout.
This is pretty simple project since we are simply linking to other websites, but the hard part will be to come up with a new look and feel for the UI of the portal landing page.


text:
Alleged 9/11 conspirator complains about food service at Guantánamo
If there was any question about whether the prisoners at the secret camp called 7 were on a hunger strike Tuesday, alleged 9/11 attack lieutenant Ramzi bin al Shibh settled it. He complained about skimpy food service to the judge presiding at his death-penalty trial.
"Every time we go to hearings and I go to meetings with my lawyer, they don't bring us food," said Bin al Shibh, 41. He told Army Col. James L. Pohl, the judge, that he wanted to be returned to his cell because "this is one type of psychological torture ... for me and the brothers."
The prison camps spokesman, Navy Capt. Robert Durand, has said he is forbidden to include any former CIA prisoners in the daily roundup of detainees on a long-running hunger strike.
As of Tuesday, the prison reported that 46 captives were considered hunger strikers, 35 of them eligible for forced-feedings — if they didn't voluntarily drink a dose of nutritional supplement or cooperate with Navy nurses administering nasogastric feedings.
And although none of the five alleged co-conspirators looked malnourished at Monday's hearing, Bin al Shibh's complaints about the service to him and "the brothers" seemed to settle it.
Durand told reporters, outside court, that guards delivered "a freshly-prepared standard detainee halal meal" to the Yemeni captive at the war court compound during the lunch recess.
Bin al Shibh's complaint: "His lunch did not include condiments such as olives and honey."
The brief outburst came after a late lunch recess on Tuesday in a hearing devoted mostly to procedural questions involving secret evidence in the case that alleges Khalid Sheik Mohammed, Bin al Shibh and three other men conspired in the hijackings that killed 2,976 people in New York, Pennsylvania and at the Pentagon on Sept. 11, 2001. The other four men had chosen to miss Tuesday's hearing, a day after lawyers told the court that defendants Mustafa al Hawsawi and Walid bin Attash were suffering health problems.