text:
Please click "Continue" or you will be logged out.
Save as PDF
Online Enrollment
Welcome to our Online Enrollment Form for Internet Banking.
* Fields in
are required
Personal Information:
Full Name:
International address
Address 1:
Address 2:
District of Columbia
North Carolina
North Dakota
New Hampshire
New Jersey
New Mexico
New York
Rhode Island
South Carolina
South Dakota
West Virginia
Zip Code:
Home Phone Number:
ex. xxx-xxx-xxxx
Mobile Phone Number:
At least one phone number is required.
Work Phone Number:
Email Address:
Social Security or Tax ID Number:
Date of Birth:
ex. 03/01/1970
What is your mother's maiden name?
Account Information:
Account Number
Account Type
Login Information:
Requested User ID:
American Trust Bank Online Banking Agreement
AMERICAN TRUST BANK (the "Bank") ONLINE BANKING AGREEMENT ESTATEMENT CUSTOMER NOTIFICATION AGREEMENT FEDERAL ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE PRIVACY DISCLOSURE This Agreement governs each person ("you", "your") who uses the Bank's ("we", "us", "our") Online Banking Service ("Service"). It also contains important disclosure information relating to electronic funds transfers made through the Service. By subscribing to the Service or using the Service to access Account information, or to make any transfer between Accounts or payments to a third party ("Payee(s)"), you agree to the terms of this Agreement. Access to Account information, transfers between Accounts, and payments to Payees drawn on or debited against your Accounts, are referred to as "Transactions". "Account(s)" mean the checking, Money Market, savings Accounts, or other Accounts owned by you and designated by you for access through the Service, including your designated Account for Transactions ("Payment Account"). In our sole discretion, we may refuse to include, or may exclude from continued use, an Account in the Service. "Agreement" means this Online Banking Agreement as may be amended or replaced from time to time. By using any new Services that are made available, you agree to be bound by any terms and conditions that we communicate to you, verbally or in writing, concerning the Services. "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions. "Business Days" are Monday through Friday, except legal holidays. You can use the Service 24 hours, 7 days a week, except during maintenance periods. However, we can process Transactions only on Business Days. Transaction processing is subject to our cutoff times as noted in literature at bank locations or within literature provided within the Service, during establishment of the Service, or during training for the Service. Cutoff times may change from time-to-time. We encourage you to keep this Agreement for your records. If you have any ?questions, ask any Client Service Representative for assistance. GOVERNING LAWS AND RULES Much of our relationship with you is regulated by state and federal law, including the Uniform Commercial Code, and regulations of the Federal Reserve System, other regulatory agencies and clearinghouse associations, hereinafter collectively referred to as "Law(s)". These Laws, as well as the terms of the Agreement, may change from time to time without notice to you unless required by Law. Your continued use of the Service following receipt of the Agreement or notice of a change is considered acceptance of the Agreement or change. Notice of a change may be made by mail or electronically. Other agreements that apply to your Accounts with us, including, but not limited to, The Account Terms and Conditions Agreement received when opening an account, apply to all Transactions made on the Accounts through the Service and are incorporated by reference into this Agreement. PROTECTING YOUR PRIVACY Protection of your privacy is important to us. We understand that maintaining the privacy of your "nonpublic personal information" is an important part of the trust that you place in us. The intent of our Privacy Policy is simple; we do not share, sell, or rent information about our current or former customers, except as needed to complete transactions requested by our customers (example: check orders, etc…) and as permitted by law (example: subpoena, etc…). As part of American Trust Bank's commitment to providing quality products and services to our customers, the following Privacy Policy has been adopted by American Trust Bank. What Information We Collect We may collect "nonpublic personal information" about you from the following sources: • Information we receive from you on applications or other loan and account forms; • Information about your transactions with us, our affiliates or others; and • Information we receive from third parties such as credit bureaus. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history. What Information We Disclose In addition to those methods discussed in this Privacy Policy, we may use and share your information, including personally identifiable information, without limitation, in the following manner: • In response to judicial or other governmental subpoenas, warrants and court orders served on us in accordance with their terms, or as otherwise required by applicable law; • To comply with legal, regulatory or administrative requirements of governmental authorities; • To protect our rights or property, protect our legitimate business interests, to enforce the provisions of our terms or policies, in cases of customer fraud/disputes, and/or to prevent harm to you or others; • To protect or defend us, our subsidiaries, affiliates, or parent company and any of their officers, directors, employees, agents, contractors and partners, in connection with any legal action, claim or dispute; • As disclosed in other applicable policies, terms of use, or other agreements; or • As permitted or required by law or as authorized by you. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. Our Security Procedures We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Privacy Information Specific to Internet Usage 1. When you visit our website, we want to assure you that we adhere to this Privacy Policy. 2. We collect and store information about "hits" on our website for internal review purposes only. Such information may include the name of the domain from which you access the Internet (such as Compuserve.com or att.net); the date and time you access our site, and the Internet address of the website from which you linked to us. This information enables us to see how you use our website and keep our website user-friendly. We will not disclose (share, sell, or divulge) personally identifying information to persons outside our bank except: a. In order to complete a transaction initiated by you b. At your request c. In response to legal process (for example, a subpoena that complies with applicable right to financial privacy laws) d. To persons who provide us with products or services that help us furnish banking services to you (for example, check printers, appraisers, loan processors, etc.) In order to provide better service, we will occasionally use a "cookie." A cookie is a small piece of information, which a website stores on your PC for later retrieval. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store preferences for certain kinds of information or to store a password so that it does not have to be input for every visit someone makes to our site. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact the visitor via telephone, email, or regular mail. In addition, web browsers can be set to inform the visitor when cookies are set or to prevent cookies from being set. We do not knowingly solicit information from children and we do not market specifically to children. We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with parents and the on-line industry. Disclosures This Privacy Policy will be provided to each new client at the time the client relationship is established. Additionally, a copy of this Privacy Policy will be mailed to all clients once per calendar year, unless you have agreed to accept it electronically. Anyone may receive a copy of this Privacy Policy upon request. Protecting Online Applications When you apply online for Accounts or Services, or enroll in Online Banking, you provide personal information that is necessary for us to process your application. We, along with the outside companies with which we work, if applicable, may keep the information you provide to us, along with information we collect from outside sources, so that we can offer you Accounts and services related to your financial needs. Hypertext Links You may access other websites that have been selected by the Bank from our website through a hypertext link. When leaving the Bank's website through a hypertext link, a banner will appear advising you that we do not endorse any information or additional information that may be on that website. These links are provided solely for client convenience. How We Handle Email We preserve the content of your email, your email address and our response so that we can more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements. If we think that a particular Bank account or service might apply to your situation, we may occasionally contact you at your email address to inform you of potential benefits and availability. For secure transmissions, your emails to us should be sent through our Contact Us pages. Since our response back to you is not secure, we will not include confidential account information in the response. You may also contact us by phone, U.S. mail or by visiting your nearest banking center. See our Contact Us link and our banking center locator web pages for additional information about contacting us. No Data "Capture" with Planning Tools There are planning tools throughout the site to help you make the financial decisions that are right for you in the privacy of your home. We encourage you to try all of your "what-if" scenarios as often as you like. Examples include the mortgage principal and interest calculator and the savings goal calculators. When you use various planning tools on our Web site, the calculations run on your PC or our server. We do not capture the personal information you provide on these planning tools. Miscellaneous Consolidation Sites. Please use caution when using consolidation sites. Consolidation sites are Internet sites which offer the ability to collect all of your personal information on one site. For example, you may be encouraged to provide consolidation sites your personal finance information, such as your Online ID, Access ID, PC Password or PIN for Online Banking. NEVER PROVIDE THIS INFORMATION TO A SITE THAT YOU DO NOT RECOGNIZE AND FULLY TRUST. YOU SHOULD KNOW: ALL transactions initiated by a consolidation site using access information you provide are considered to be authorized by you, whether or not you were aware of the specific transaction. You may revoke this authority only by notifying us, and we may need to block your account until we issue new access codes. We are committed to making sure that your Online Banking is safe and secure. With our own security infrastructure in place, we are confident that access to your accounts is private and secure; we are unable to provide similar assurances for other websites. While we work to protect your banking privacy, you also play a role in protecting your accounts. Only provide your Access ID or Online ID when your browser shows a secure connection directly to the Community Banks of Colorado website or to another site you have investigated and fully trust. Information may also be exchanged with credit bureaus and similar organizations, provided when legally required or permitted, or in connection with a fraud investigation, an acquisition or the sale of your account to another financial institution. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from www.atrustbank.com. The Bank reserves the right to change this policy at any time. Questions concerning the privacy of your information at the Bank should be directed to: American Trust Bank 2817 N Baltimore PO Box 1077 Kirksville, MO 63501 (660) 665-7703 Fax (660) 665-7714 firstname.lastname@example.com If you send email to us, please remember that email is not secure against interception. If your email contains information that is very sensitive or includes personal information such as your account numbers, credit/debit card number, or social security number, you may want to send this information via postal mail. SECURITY Regardless of whether you are using a public computer or your own private computer, or any other device used to access your Account information or this Service ("Access Device(s)"), you are responsible for protecting the confidentiality of your User Code and Password. It is your responsibility to protect your account information. Passwords are provided for your use and protection. You must change the password at the time you first use the Service. You agree to: (a) not disclose the password or otherwise make it available to anyone else; (b) use the password as instructed; (c) immediately notify us of any loss or theft of the password by means provided for in the Notification section of this Agreement; and (d) be liable for the password and for its authorized use and for its unauthorized use as described in this Agreement. Unless you notify us as provided in this Agreement, you acknowledge that we are entitled to rely on the use of your password as your authorization for any Transaction through the Service. You are responsible for all Transactions you initiate or authorize using the Service. If you permit any other person to use the Service or your password, you will have authorized that person to access your Accounts and you are responsible for all Transactions that person initiates or authorizes from your Accounts. Internet connections can be insecure and may provide the opportunity for the unauthorized interception, diversion, access or disclosure of your private information. Access Devices are regularly subjected to attacks by third-parties attempting to obtain unauthorized access to your private information through malicious software, malware, spyware or other electronic means. You are responsible for maintaining protection against unauthorized third-party access to your private information stored on or transmitted to and from your Access Device which you choose to use. Except as otherwise provided in our Account Terms and Conditions, we are not responsible for any loss, financial loss, injury or damage, whether direct or indirect, special or consequential, arising in any way out of the installation, use or maintenance of your Access Device or related software, including without limitation that use of any information obtained by a third-party from your Access Device by any means including that obtained by the use of any malicious computer code or program. You agree that you are responsible for the security of your Access Devices and applicable software used in conjunction with the Services. You agree to adhere to reasonable security standards including, but not limited to, use of firewalls, ensuring Access Devices and software security updates are applied in a timely manner, and use of current anti-virus software and virus signature to protect all Access Devices. You agree that you are responsible for maintaining backups of data files, report files and programs used in conjunction with the Services. Whereas we the bank provides commercially reasonable security procedures including, but not limited to, the enforcement of User Codes and Passwords, anti-phishing mechanisms, and layered security, we are not responsible for unauthorized access of your Access Devices or for maintaining backups and contingency plans of your data files, report files and programs used in conjunction with the Services. We shall not be obligated to act on a communication not transmitted in accordance with the security procedures and guidelines as referenced in this Agreement if we reasonably doubt its authorization, contents, or origin. We use SSL technology to protect the integrity of your communications to us. Even though this technology provides the most secure communications available to the public, it is possible for unauthorized persons to gain access to your computer systems, networks, and any and all information stored therein. If unauthorized persons gain access to your personal information despite our best efforts to prevent such access, you understand and agree that we are not responsible for any adverse consequences whatsoever of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule, or regulation or any violation of the intellectual property rights of another. We reserve the right to implement additional security procedures including, but not limited to limiting the frequency and dollar amount of Transactions from your Accounts and implementing new security technology as it becomes available in the industry Tell us AT ONCE if your password has been lost or stolen. If you believe your password is subject to unauthorized use or that someone has transferred or may transfer money from your Account without your permission, call or write us at the telephone number and address listed in the Notification section of this Agreement. ACCESS AND LIMITATIONS TO SERVICES Upon request, you may use the Service to: Access your Accounts Online. You may obtain Account balances and Transaction information including access to your periodic statements (if enrolled in eStatements), for your Accounts. Transfer funds between your Accounts. A request to transfer funds between Accounts may not result in an immediate transfer or immediate funds availability because of the time required to process the files. If there are not available funds in the Payment Account from which a transfer is being made at the time the transfer is processed, the transfer will be canceled and we will not make the transfer at a later date. You may schedule transfers for future dates. Requests made after 4:00 p.m. Central Time or on a non-Business Day will be considered made for the next Business Day. Send electronic mail (email) to us and receive email from us. We may not immediately receive email that you send. We must have a reasonable opportunity to act before taking action on your email requests. You cannot use email to make a bill payment, Account inquiry or funds transfer. You may not use email to stop payment, report unauthorized use of your password, or to report an unauthorized Transaction. You must notify in accordance with the Notification section of this Agreement. ELECTRONIC BILL PAYMENT AUTHORIZATION I AUTHORIZE American Trust Bank to post payment transactions that I generate by PC using the Bill Payment service to my checking account, as indicted on the application form being submitted electronically. I UNDERSTAND that payments will be sent either electronically or by check and may take up to ten (10) business days to reach the vendor. I also UNDERSTAND that American Trust Bank is not liable for any service fees or late charges levied against me. I further UNDERSTAND that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. I UNDERSTAND that I am in full control of my account. If at any time I decide to discontinue service, I will provide written notification to American Trust Bank. My use of the Bill Payment service signifies that I have read the terms and conditions of the Electronic Funds Transfer, Regulation E and Internet Banking Disclosure and Agreement that were provided to me electronically when I registered for Internet Banking. eAlerts We provide electronic alert notifications ("eAlerts") through the Service. These alerts will need to be activated by you. You can cancel these alerts at any time. eAlerts are subject to the following: 1. We may add new alerts or cancel old alerts from time to time. We usually notify you when we cancel alerts, but are not obligated to do so. 2. Alerts will be sent to the email address or mobile device you have provided for the Service. If your email address/or mobile information changes, you are responsible for informing us of that change. 3. You understand and agree that your alerts may be delayed or prevented by a variety of factors. We neither guarantee delivery nor the accuracy of the contents of any alert. You agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of an eAlert. We shall not be liable for any errors in the content of an alert or for any actions taken or not taken by you or any third party in reliance of an alert. 4. Because eAlerts are not encrypted, we will never include your password or full account number. However, your alerts may include your name and some information about your Accounts. Anyone with access to your email or mobile device will be able to view the contents of these alerts. Limitations Subject to available Deposit Account balances, funds transfers and bill payments can be made for any amount up to $10,000. Total payments during a business day may not exceed $20,000. There are no limitations on the number of Transactions that can be made during any time period to or from any Account, except as provided by federal regulations limiting pre-authorized transfers. By Law, you are limited during any statement cycle or calendar month to six pre-authorized or automatic transfers or checks, if the Account is a Money Market Deposit Account or a savings account. Online bill payments and transfers between your Deposit Accounts are considered pre-authorized transfers. The use of the Service(s) often requires the use of an internet browser. Not all browsers are supported. You are responsible for maintaining and using a supported browser to access the Service. A list of supported browser is located on our website. ACCURACY AND TIMELINESS OF INFORMATION We will use reasonable efforts to provide information requested through the Service in a prompt fashion, but shall not be liable for temporary failure to provide timely information. If the Service is unavailable, you shall be responsible for carrying out banking business through alternative delivery channels. We shall not be liable for any inaccurate or incomplete information with respect to Transactions which have not been completely processed or posted to our system prior to being made available pursuant to the Service. Information with respect to all Transactions is provided solely for your convenience and we shall have no liability to you resulting from your use of such information. All information provided to you prior to completion of our end-of-day processing is not final and is subject to change. Account balances and other information will be provided to you for the current day and past days. Images of items deposited to your Accounts and checks drawn on your Accounts will be made available for a period of time. Historical information for activity conducted via the Service will be made available to you for a period determined by Bank. CHARGES FOR TRANSACTIONS OR RIGHT TO MAKE TRANSACTIONS There are no monthly or transaction fees for the Service. Depending on the Access Device used to access Services, there may be costs associated with your third party providers. You should check with your third party provider to make sure you understand whether there are charges they impose. Fees may be assessed for optional services selected. We may change or add fees without notice unless required by Law. A current fee schedule can be obtained at any branch location. Fees in our Combinations Disclosure also apply. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES We will disclose information to third parties about your Account or the Transactions you make: 1. When it is necessary for completing Transactions; 2. In order to comply with government agency or court orders, or to give information to any governmental entity having legal authority to request such information; 3. If you give us your written permission in a separate writing or through signing other bank documents which give such permission; or, 4. as required or allowed by the Law. RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS You will receive a monthly statement if you have an Account upon which checks or drafts may be drawn. You will receive a savings statement quarterly unless there are electronic Transactions during the month. A savings statement will be provided monthly for Accounts with electronic Transactions. RIGHT TO STOP PAYMENT, PROCEDURE FOR DOING SO, AND BANK'S LIABILITY FOR FAILURE TO STOP PAYMENT After a payment request is transmitted, you are unable to cancel a payment through the Service. If you have chosen to request a stop payment through the Service, you agree that stop payment orders or cancellations initiated using the Service will be handled as provided in the Account Terms and Conditions of any Accounts which are accessible through the Service. Before placing stop payment requests, you are responsible for verifying nonpayment of the item during all prior check information retention periods. Bank will verify nonpayment during the current check information retention periods. You are responsible for verifying that stop payment orders and cancellations are entered correctly. See your Account Terms and Conditions for other provisions relating to stop payments. BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS OR PAYMENTS If we do not complete a Transaction to or from your Account on time or in the correct amount according to this Agreement, we will be liable for your actual losses, if any, as provided by Law. However, there are some exceptions. We will not be liable if, for example, but without limitation: 1. Through no fault of ours, you do not have available funds in your Account to complete a Transaction on that Account. 2. The Transaction would be over the limit of your available credit limit. You have not properly followed instructions for using the Service, or if your Access Device, software, related equipment, electrical power or telephone service fails or malfunctions. 3. The Payee information necessary to complete the payment has been lost or corrupted. 4. You do not authorize a payment soon enough for your payment to be received by the Payee by the time it is due. 5. Withdrawals from any of your Accounts have been prohibited by a court order such as a garnishment or other legal process, or the Account is in dispute or restricted for any other reason. 6. The Service was not working properly and you knew about the breakdown when you started the Transaction. 7. A Payee does not accept, mishandles or delays in handling payments. You have not provided the correct and complete Payee Name, address, or account information or payment amount. 8. Circumstances beyond our control (such as fire, telecommunication outages and malfunctions, strikes or natural disasters) prevent the processing of a Transaction. 9. Delays or losses of payments caused by the U.S. Postal Service or other commercial delivery service. 10. There may be other exceptions stated in our Agreement with you. ELECTRONIC MAIL You can use Electronic Mail ("email") to contact us about inquiries, maintenance and/or problem resolution issues. Email is not a secure method of communication and we recommend you do not send confidential information by email. You should never use unsecured Internet to initiate a transaction for your Account. To send secure transmissions to us, it is recommended you use the contact bank link from within the Service. These transmission methods are secure messaging alternatives to email. You agree that we may respond to you by email with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such email sent to you by Bank shall be considered received within 5 days of the date sent by Bank, regardless of whether or not you sign on to the Service within that time frame. NOTIFICATION To notify us of a lost/stolen password or if you believe your password is subject to unauthorized use, to report errors or questions about your electronic transaction, to terminate your account, or for any other reason relating to this service or your Account contact us in writing at:??American Trust Bank 2817 N Baltimore-PO Box 1077, Kirksville, MO 63501. Or call us at: 660-665-7703 LIMITATION OF LIABILITY Except as otherwise provided in this Agreement or by Law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use of the Service or arising in any way out of the installation, operation, or maintenance of your Access Device or related equipment. We will exercise ordinary care in providing the Service expressly provided for in this Agreement and shall only be liable for its gross negligence or willful misconduct. In no event shall clerical errors or mistakes in judgment constitute gross negligence. Nor shall the Bank have any liability for any third party's actions, including yours, a Third Party Provider, any government entity or other financial institution. TO THE MAXIMUM EXTENT ALLOWED BY LAW, THE BANK SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR LOST PROFITS, LOSS OF GOODWILL, OR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, HOWEVER CAUSED, ARISING UNDER ANY THEORY OR LIABILITY. THIS LIMITATION SHALL APPLY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Under no circumstances shall we be responsible for any liability, loss or damage resulting from any delay in the performance of or failure to perform in connection with any Service which is caused by interruption of telephone, facsimile or communication facilities, delay in transportation, equipment breakdown or mechanical malfunction, electrical, power or computer failure, accidents, fire, flood, explosion, theft, natural disaster or other catastrophe, acts or failure to act by you or any Third Party Provider, strikes or lockouts, emergency conditions, riots, war, acts of government or other circumstances which are unavoidable or beyond our reasonable control. The Bank shall not be liable for failure to perform any of its obligations in connection with the Service if such performance would result in it being in breach of any Applicable Laws. If we improperly fail to credit any of your Accounts utilized in connection with any Service, the only liability of the Bank is to properly credit such Account upon discovery and proper notification of such error, and we shall not incur any liability in addition, including any loss resulting from failure by you to invest or use funds that were not properly credited to the Account. You hereby release us from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your Account(s) and/or the Service and/or you have given Codes to such person, or, in the case of a jointly held Account such person is one of the owners of the Account. You agree to indemnify and hold us harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions. You agree to promptly notify us in writing as directed in Section 12 of this Agreement of any error in connection with any Service and any discrepancies between any records maintained by you and any notice you received from us with respect to the Service, and shall provide us with any information it may reasonably request in connection therewith. You also agree that your failure to promptly notify us of any such error or discrepancy may relieve the Bank from liability to you on account thereof. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS 1. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 Business Days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 2. Additional limits on liability for MASTERCARD ® debit card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your MASTERCARD debit card, when used for point-of-sale transactions, if; (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to s two or more incidents of unauthorized use within the prior 12-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lessor of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized Use" means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you received no benefit. The additional limit on liability does not apply to ATM transactions or transactions using your personal identification number which are not processed by MASTERCARD. Contact In Event Of Unauthorized Transfer If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in "12 NOTIFICATION" section of this agreement. You should call the number or write to the address listed in this agreement if you believe a transfer has been made using the information from your check without your permission. Error Resolution Procedures 1. Tell us your name and Account number. 2. Describe the error or the Transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error and the date on which it occurred. 4. Tell us the date the error was noticed by you. 5. If you tell us orally, we may require that you send your complaint or question in writing within 10 Business Days. Generally, we will tell you the results of our investigation within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 Business Days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Account. If the transaction involved was a point-of-sale transaction or a transaction initiated outside the United States, the above time periods may be extended as follows: 10 business days may be extended to 20 business days and 45 business days may be extended to 90 days. If we decide that there was no error, we will notify you within 3 Business Days after we finish our investigation. You may ask for copies of documents that we used in our investigation. ESTATEMENT CLIENT NOTIFICATION Email notices will be sent for Accounts with online delivery. We will maintain online access to each eStatement for a period of up to 18 months from the date on which your eStatement is made available. You understand that an eStatement will consist of what you currently receive in the mail. If you currently receive imaged copies of checks with your paper statement, then the same will be available with your eStatement. If you currently do not receive images of checks with your paper statement, then check images will not be available with your eStatement. We often include with your paper account statement other periodic notices. For short, we refer to these as "regulatory inserts." When you consent to electronic delivery of your account statements, you will also be consenting to electronic delivery of regulatory inserts. This includes required disclosures such as changes to our customer policies (e.g., account maintenance fees or privacy policy), summaries of updated account features, and amendments to your account agreements. The email notification that your eStatement is ready will include any regulatory inserts that accompany your account statement. You can turn off eStatement delivery at any time by contacting us and will not be charged a fee for doing so. When you turn off eStatements, you will automatically begin receiving mailed (paper) statements with your next statement cycle. Additional fees, which may be then in effect for paper (mailed) statements, will apply. By enrolling for the eStatements as part of the Service, you are consenting to receive eStatements to replace your mailed (paper) statement with an electronic version (PDF) that you can view, save to your computer or print at your convenience. Your eStatement will replace all of your future paper account statements. You are consenting to electronic delivery of account-related notices and other regulatory information that you would normally receive in the envelope with your paper account statements (collectively, "regulatory inserts"). You understand and agree that we may provide to you in electronic format only, by posting the information through Online Banking or via email, all agreements, disclosures, notices, statements and other information and communications regarding your current and future Accounts, services and products. The receipt and use of eStatements requires that you have an Access Device capable of displaying a PDF document (i) with an active internet connection and required browser; (ii) from which you can access your personal email; and (iii) in a location where you are comfortable viewing personal financial information. It is not recommended that you use an Access Device to which other individuals or members of the general public also have access (Public Computer) because of an increased information security risks and the increased likelihood that your confidential information may be made available to others. Although not necessary for review of eStatements, having an Access Device that is private allows you to download your eStatements and save them to the hard drive. Finally, having a printer available is also not necessary, but helpful. Email delivery of the notification for your account statement(s) can offer significant advantages in terms of speed and convenience. Generally, we can deliver eStatements to you within 1 business day of the end of the statement period. You will be able to print eStatements in print-friendly Portable Document Format ("PDF"), provided that your Access Device has a browser that is able to view and print dynamically-generated PDF files. You may save eStatements by downloading and saving the documents in PDF format the way you would any other file from the web. In order to generate the PDF version, you will need to have Adobe Acrobat Reader on your Access Device. You must provide us a correct email address that will be used to deliver email notifications when a new statement is available to view online. By accepting this Agreement, you are verifying that as of the date of your acceptance, you have provided us with your most current physical address and mailing address (if different) information, and you agree to promptly notify us of any change to either of those addresses. You agree that we will be deemed to have acted reasonably if we attempt to deliver the email notice to your email address on file. Should you change your email address for any reason, you agree to notify us immediately to ensure that your Service and our communication are not interrupted. You may change your email address within the Service, or by notifying us according to the Notification section of this Agreement. You are responsible for accessing, opening and reading statements. It is your responsibility to notify us if any statement is not accessible, is incomplete or is unreadable. In the event any of the above problems exist and you are unable to retrieve a copy of your statement, we will supply a paper copy of your statement at your request; however, a fee may apply subject to our current schedule of fees and we may not be able to provide you with that statement if a substantial period of time has passed from when that statement was first made available to you. We are not accepting any responsibility to archive your statement beyond the time required by Law. You understand that you must complete the entire registration process to affirm your ability to receive, open and view your eStatement electronically. NOTICES Except as otherwise provided in the Agreement, all notices required to be sent to you will be effective when we mail or deliver them to your last known mail or email address that we have for you in our records. You agree that we may send or provide by electronic communication any notice, communication, amendment or replacement to the Agreement, or disclosure required to be provided orally or in writing to you. You agree to receive any electronic messages sent to you and will not attempt to avoid receiving any messages. You are deemed to have received any electronic messages sent to you when they are made available to you. Except as otherwise provided in this Agreement, any notice that you send to us shall be effective 5 Business Days after our receipt of your notice. ASSIGNMENT You may not assign the Agreement to any other party. We may assign the Agreement or delegate any or all of our rights and responsibilities under the Agreement to any third parties. REMEDIES No delay or omission by us in exercising any rights or remedies under the Agreement shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise of any other right or remedy. No waiver shall be valid unless signed in writing by us. AMENDMENT AND CANCELLATION RIGHTS You understand that we reserve the right to amend this Agreement at any time by providing you notice of those amendments. We reserve the right to discontinue or modify this Service at our sole discretion. By using the Service after you have been notified of any amendment(s) that have been made, you are agreeing to the terms in the revised Agreement. You will be notified of any amendment or any change in a term or condition disclosed in the Agreement via email to the email address you have provided, or by any other method chosen by the bank. The most current version of this Agreement is available within the Service. TERMINATION OF THIS AGREEMENT You may terminate your use of the Service at any time by writing us at the address listed in the Notification section of this Agreement. We may terminate your use of the Service, in whole or in part, at any time without prior notice. Your access to the Service will be terminated automatically if the Account is closed, or access to the Account is restricted for any reason. If you terminate the Service, you authorize us to continue making transfers and payments you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice, not to be less than 5 Business Days. Once we have acted upon your termination notice, we will make no further transfer or payment from your Account, including any transfer or payment you have previously authorized. If we terminate your use of the Service, we reserve the right to make no further transfers or payments from your Accounts, including any Transactions you have previously authorized. If you would like to transfer the Service to a different account with us, you must provide 10 Business Days advance written notice. Termination will not affect your liability or obligations under the Agreement. Unless you are paying a monthly service charge to us for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90 day period. If your Service is converted to inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service. GOVERNING LAW/SEVERABILITY The Agreement shall be governed by the laws of the state in which your Accounts were opened and applicable Federal laws and regulations. If any provision of the Agreement is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. ACCEPTANCE OF TERMS AND CONDITIONS By selecting "Accept", you agree that you have read and understood the terms and conditions set forth in this Agreement and you accept this Agreement without modification. By accepting this Agreement, you consent to the electronic delivery of statements and other bank related documents. You understand this agreement is effective at the date and time of the Bank's receipt of this electronic Agreement and signature. If you do not agree to the terms and conditions of this agreement, you should select "Decline" and you will not be enrolled in this Service. ENTIRE AGREEMENT The Agreement is the complete and exclusive agreement between you and us relating to the Services.
Yes, I have read and agree to American Trust Bank's Online Banking Agreement.
Copyright © 2015 American Trust Bank. All rights reserved. Member FDIC. Equal Housing Lender.


text:
MAM Twist Clip for Girl Description
Pacifier Keeper – Twist and Close
Fits All Pacifiers
0+ Months
Easy To Attach
BPA Free
Baby Safe
Studio design and attention to detail.
Medical research and technical innovation.
This makes MAM products so special, because they satisfy the highest expectations of parents and give babies the best start in life.
MAM Twist Clip
MAM designers meet the highest expectations of both parents and medical experts alike. MAM Twist Clip is a practical accessory that helps keep pacifiers and teethers clean and within reach regardless of your baby's everyday activities.
Functional Design – Flexible ring fits MAM and all other pacifiers.
Innovation – The smart wheel design allows easy opening and closing with a simple twist. The clip can be firmly attached to baby's clothing.
Easy To Use – The wide opening allows the clip to quickly fasten to all baby's outfits.
Baby Safe – BPA-Free, Phthalate-Free, Lead-Free, PVC-Free, CPSIA Compliant
Use with MAM pacifiers & button pacifiers. Can also be used with PACIFIER with RING.

subset: commoncrawl


text:
Related Fund Management Lends $60M For Hotel Near Hudson Yards
David Marx's 399-key hotel project near the Hudson Yards megaproject got a $60 million bridge loan from Related Fund Management and Highbridge Principal Strategies. The soon-to-rise Courtyard by Marriott sits at 461 10th Avenue, near 34th Street.
Related Fund Management, a subsidiary the transformative project's developer, The Related Companies, launched the credit platform with New York-based investment firm Highbridge last year, with plans to invest $800 million in real estate debt, especially in gap financing. Read More


text:
Boulder, CO (PRWEB) September 05, 2014
"Beautiful Reports: The Non-Designer's Guide to Designing Business Documents" is a detailed look at the elements that comprise a business report.
The ebook delves into seven basic areas of document design: text, tables, charts, layout, images, colors and navigation. Each chapter serves up tips and techniques on how to create documents that wow customers, colleagues and bosses.
"We wrote this book because our customers, who are experts in their company's data, told us they needed help designing business reports that best present that data," said Shirley Clawson, CEO of Windward Studios. "As any chef will tell you, it's all about presentation. The output must look appetizing as well, or your customers are likely to pass on what you're trying to serve them."
"Beautiful Reports" answers such burning questions as:
To download a complimentary copy, please visit the Windward Beautiful Reports website.
About Windward Studios
Windward Studios delivers powerful embedded report software and document generation solutions to technology providers, OEMs and enterprises in the financial services, government, energy, insurance, health care and software industries. Windward enables businesses worldwide to create custom reports better and faster. Windward has been delighting customers – technical and non – since 2004. http://www.windward.net


text:
- More Scotiabank Sites
More Scotiabank Sites menu opened. Skip to Scotia OnLine.
- Anguilla
- Antigua & Barbuda
- Aruba
- Australia
- Bahamas
- Barbados
- Belize
- Bonaire
- Brazil
- British Virgin Is.
- Canada - English
- Canada - French
- Cayman Islands
- Chile
- Colombia
- China
- Costa Rica
- Cuba
- Curaçao
- Dominica
- Dom. Republic
- El Salvador
- France
- Grenada
- Guyana
- Haiti
- Hong Kong
- India
- Ireland
- Jamaica
- Japan
- Republic of Korea
- Luxembourg
- Malaysia
- Mexico
- Nicaragua
- Panama
- Peru
- Puerto Rico
- Singapore
- Global Banking & Markets
- ScotiaFunds
- ScotiaMcLeod
- ScotiaMocatta
- ScotiaWaterous
- Scotia Private Client Group
- Get Growing for Business
- Newcomers to Canada
Employee Health, Safety and Wellness
Health and Safety
Scotiabank believes in the importance of health and safety for employees and customers in all our locations.
In Canada, the Bank's Occupational Health and Safety Program is reviewed and updated annually to meet the unique needs of the financial services sector. Two new intranet portals created in 2012 have proven to be important communication tools in providing timely health and safety information directly to OHS Workplace Committee members and OHS representatives. Globally, Scotiabank's local human resource partners monitor workplace health and safety and report through the Bank's compliance framework.
During the week of April 29, 2013, Scotiabank offices around the world again participated in various events to recognize World Day for Safety and Health at Work. The theme for this year's celebration was "Prevention of Slips, Trips and Falls," and employees were encouraged to submit their suggestions for preventing such mishaps in their workplace.
More than 120 teams entered the contest, and the winning entries came from Mandeville, Jamaica and Red Deer, Alberta, Canada. In Mandeville, OHS team members interviewed their fellow Scotiabankers to gather more information on areas of concern and to generate prevention ideas. In Red Deer, a Scotiabank team identified potential risks by using the acronym STOP:
S – Spot hazard
T – Tell others
O – Organize removal of hazard
P – Prevent an incident
Each winning team received a CAD$500 VISA gift certificate.
Scotiabank's strategic approach to health and well-being supports, encourages and promotes sustainable health and lifestyle changes of employees and their families. By incorporating wellness into policies and programs, it becomes an integral part of the Scotiabank culture, leading to happier, healthier, and more productive and engaged employees, both at work and at home.
In 2013, the Bank enhanced Scotiabank Vitality, a health and wellness website for employees in Canada and their family members. The site provides a rich database of information, tips and tools in the areas of home, health, work and wealth. On April 1, 2013, all Canadian employees gained direct access to the site through the employee portal, HR Passport. In addition, all Canadian retirees now have access to Scotiabank Vitality, with direct links to additional sites that provide information on benefits, pension, employee savings and the employee share ownership plan.
In the fall of 2013, Scotiabank launched a Mental Health Risk Assessment (MHRA) and challenge, available to all Canadian employees through Scotiabank Vitality. The MHRA provides a mental health risk profile for employees, along with appropriate programs and resources available (as needed).
The following continue to be part of Scotiabank's wellness programs and are available to employees and their families:
- Employee Assistance Program (EAP) for employees and their eligible dependents in Canada and several international locations. EAP provides confidential, professional counselling and specialized services, such as support to quit smoking, work-life solutions, nutritional counselling and mental health management.
- Health Assistance Program (HAP), a telephone service in Canada offering practical, personalized support for non-urgent physical health issues and health-related lifestyle choices.
- Best Doctors, a service that connects ill Scotiabank employees (and their eligible dependents) and their treating physicians with specialists to confirm the right diagnosis and treatment options, without employees having to leave home.
- Workperks, Scotiabank's employee discount program, which provides employees and their families, as well as retirees, with a variety of savings opportunities, including items and services related to health and well-being.
"The health and safety of our employees is a priority everywhere we do business. It is a shared responsibility between the employer and the employee and, by working together, we create a safe and healthy work environment.""
- Jacqueline Bukaluk, Vice-President, Global Employment Strategies


text:
Discovering Computers 2011: Complete, 1st Edition | 9781439079263
ISBN-13: 9781439079263 See more
Author(s): Shelly/Vermaat
Price Information
Rental OptionsExpiration Date
- $157.99
- Dec 22, 2016$84.49
- Jun 25, 2016$77.99
- Dec 28, 2015$67.99
eTextbook Digital Rental:180 days
Our price: $67.99
Regular price:$226.95
You save:$158.96
Additional product details
Discovering Computers 2011: Complete provides students with a current and thorough introduction to computers by integrating the use of technology with the printed text. This Shelly Cashman Series text offers a dynamic and engaging solution to successfully teach students the most important computer concepts in today's digital world through exciting new exercises that focus on problem solving and critical thinking, along with online reinforcement tools on the unparalleled Online Companion. Updated for currency, students will learn the latest trends in technology and computer concepts and how these topics are integrated into their daily lives.
Marketing Promotion
Three Ways to Study
with eTextbooks!
- Read online from your computer or mobile device.
- Read offline on select browsers and devices when the internet won't be available.
- Print pages to fit your needs.
CourseSmart eTextbooks let you study the best way – your way.


text:
Prima Donna Satin Strapless Bra 0161331
The Prima Donna Satin Strapless Bra is a classic seamlessSeamless Bras offer a simple, smooth presentation that is virtually invisible under even sheer clothing. straplessStrapless Bras are necessary for any clothing that does not provide straps or sufficient coverage to hide a traditional bra; these bras are usually sold with removable straps that increase the versatility of the bra. bra. The Satin Strapless Bra from Prima Donna has soft, molded cups without any extra padding or lining, which creates a minimizer effect. This bra comes with detachable shoulder straps, to convert the bra into multiple wear options. The fit on the Prima Donna Satin Strapless is fuller than other brands therefore you may want to size down in the cup. Silicone at top of the bra cup is carried around to the back to hold this strapless bra in place. Enjoy the functionality, flexibility, and fit of this timeless classic strapless bra.
Additional Information
|Prima Donna
|Style #
|Special Order


text:
Film: "Dhoom 3"; Cast: Aamir Khan, Katrina Kaif, Abhishek Bachchan, Uday Chopra; Directed by Vijay Krishna Acharya.
There is a secret that this intriguing film springs at us mid-point. Alas, the secret,if one may call it that, only contours the film's most well-known fact: this is an Aamir Khan show all the way. And he gets to give his most over-the-top performance - some of which looks like a dig at Shah Rukh Khan's "My Name Is Khan", since, hold your breath, Dharmesh Darshan's "Mela".
Okay ...let's say it out loud...there are two Aamir Khans in "Dhoom 3". Twin brothers out to have some serious fun at the cost of the city of Chicago where the cops, we get to know, are so dumb they need help from their Indian counterparts. Which is really ironical when considered in the context of present-day political relations between India and America.
But this, as we know, is Chicago as seen through the eyes of the architects of the Dhoom franchise. Director Vijay Krishna Acharya who helms this avatar of Dhoom furnishes a fabulous style to the proceedings. The frames are beautifully lit. Sudeep Chatterjee's cinematography knows recognizes acknowledges and records beauty in every form, from the architecture to Katrina Kaif.
The preamble with Jackie Shroff playing a magician on the skids, is done up in shades of shimmering discontent suggesting a deep fracture in the plot separating the haves from the have-naughties.
A sense of twinkle-eyed mischief never abandons the narrative. And thank God for a sense of humour to back up the boy-toys that the grownups seem to be playing with. Gimmicky props are constantly brought up for consideration. Sleek motorcycles that turn into motorboats in green-blue canals, magicians' tricks which show up at any given moment, twins who swap roles without warning...
There is a tremendous sense of fun and games in the goings-on. But there is also a deep sense of tragedy underlining the playfulness. Sombre ramifications accentuate the bevy of bacchanalia. The finely framed-out film finally comes to a very sad conclusion where the theme of the twin is seen as a mirror-image that's wiped out under pressure.
Aamir holds the key to the film's efficacy. And how much you like this segment of the Dhoom franchise depends entirely on how well you accept Aamir's over-emphasized performance, ceaseless smirk, constantly arched eyebrows and all. I was left with very mixed feelings about the performance.
Abhishek Bachchan as Jai, Aamir's law-enforcing adversary, tries to offset Aamir's double-edged swat with some straight faced acting. Uday Chopra as Abhishek's sidekick Ali is hopelessly uninteresting.And the Jai-Ali nexus is celebrated in some really dumbed-down action borrowed from Prabhudheva's cinema.
Katrina Kaif has a series of breathtaking dances to perform. She jumps, glides, somersaults and gambols until we flip for her graceful moves. She also has a very interesting date-sequence with the shy stammering Aamir-avatar where she confidently ties his shoelaces for him quipping, "Nice excuse to bring a girl on her knees on the first date."
There is a bed-rock of warm humour underlining the plot. The director knows how to juice the characters' emotions without spilling the sentiments all across the frames. Messy, "Dhoom 3" is not. It is a well-packaged enrapturing drama with beautifully designed sequences.
Technically "Dhoom 3" is one-up on the first and second instalments of the series. There are beautifully layered frames, shots where the lighting creates the afterglow that follows moments of spiritual revelation. Though that sort of depth is just an illusion and a mirage in this film, like the magician's trick which defines the film's plot.
"Dhoom 3" is an intriguing piece of work... slender supple smart and subtle...and yet helmed by a central performance that screams for attention.
Such is the irony of life.
Rating: ***
Do you like this article?
|User Rating
|(19 Votes)
|jenny8891, sunithavarma, -Anarkali., coolfire, mihali7, SuMaN_TR, rusha4003, samicute, Radiance., Adinash, OtakuGirl-Debo, AnnaPaquinFan, aartipartyy, Bul3, Perfangel5655, Fatima_Q, .FemmeFatale., patie, -Swetha-
Popular Search Terms: dhoom 3
I dont know whether Ojas Joshi have some cover of the songs of this movie or not. But he is great .
After the blockbusters like 3 idiots and talash and now aamir khan has suprised us with his new movie " Dhoom 3 " which is another awesome work by mr.perfectionist aamir khan . truly he is the king of bollywood and suprises the fans with his new work every time . he totally plays the character and lives the character . a good actor is the one who makes his character real .
moving on to the movie it is a must one time watch movie for the viewers and is fully action packed . the only drawbacks are the jokes in between of uday chopra character which look so cheap and if they would have been removed the movie would have been more hit . the film had many expectations as it had to broke chennai express and krrish 3 record and it has broken also .
with such a cast of aamir khan , abhishek bachachan , uday chopra and katrina kaif a movie is a must watch for once as it will not disappoint you as aamir khan is in the movie and if it is a aamir khan movie then it has to be something special really .
for some of the fans and viewers they would feel that this Dhoom does not have any storyline but this is totally false . if it is a aamir khan movie then there has to be a script which is wonderful . the movie looks like does not have a story till the interval after the first few min but after the interval the movie does not lose its story and makes a comeback and the story takes it grip again .
the stunts in and aamir khan acting truly makes it just magical and so different from the other dhoom parts . it truly tells that aamir khan rocks bollywood . well aamir khan has truly played his role to the fullest where you can actually feel the character . the action and stunts are just awesome and if done by aamir khan then it brings a special feeling to the viewers .
moving on to the songs of the movie they are not bad rather good enough to listen once and the dialogues are awesome . really aamir kha...
I' m glad and very very happy that I didn't read this review first.. Orelse my 150 rs of ticket and 230 rs of refreshments value would have wasted..
Rename this as spoilers instead of review.
And yes, why weren't good points highlighted.
New bollycurry team is disappointing.
I knew u ppl wud write a short summary of the movie instead of giving a review...thats why I read the comments first...I m glad I didnt read the review coz judging by the comments u clearly disclosed the story.
Great job giving away the secret of the movie! Should have been titled SPOILER ALERT! This is not fair to the people who have not watched it yet!
Katrina was the only fail in the movie. The rest of them were perfect.
why did you have to disclose the suspense and story -_-
Aamir proves again he is d real King, AAMIR KHAN,THE BEST
Why, like seriously, WHY would you ruin the suspense!! People see a review to see how the movie is, not to have the WHOLE suspense and plot line spoiled.
I personally loved this movie. Aamir, Abhisheik, Katrina were all amazing. The stunts/action was cool, even for me, who is not fond of action. It was funny in some parts, emotional in others. Overall, I loved this film. But this is purely my own opinion and everyone is different. However, I would recommend it nonetheless!
Unlike most emerging stars in Bollywood, actor Tiger Shroff says he ... 1
Salman Khan's another move to remove obstacles between him and Shah ...


text:
An article in the New York Times by Edward Wong details the efforts of the State-supported Chinese hacking group known as the "Comment Crew" (and widely suspected to be PLA unit 61398) to surreptitiously acquire military drone technology by hacking into US Defense Contractors. These cyberespionage operations are occurring against the backdrop of a massive expansion in drone capabilities and manufacturing on the part of the Chinese military.
Dan Gifford- MCySec Media Manager


text:
D.C. Area Weather Forecast: Heavy storms now more Friday
A cool front Friday will likely bring heavy showers especially to the north of D.C. By Saturday, expect a real break in the heat, but with cloudy, showery and almost cool conditions for folks heading to the beach.
This Evening: Strong Thunderstorms metro DC Now-Midnight
Temperatures: 70-75 | Rain: Gusty winds 1-3" local Street Flooding NO DERECHO
Friday: Mostly Cloudy, Humid, Risk Thunderstorms and Heavy Rain
Highs: Near 85 | Rain: 1-3" Possible Mainly North DC
This Weekend: Sat. Partly Cloudy, Cooler Sun. Partly Cloudy Warm
Highs: Sat. Near 80, Sun. Near 85 | Rain: 40% Chance Showers Sat
Strong thunderstorms are now moving east of DC there are some precautionary warnings Check Live Doppler The storms will be around and through the metro area now until Midnight. There are warnings as a precaution after the Derecho of 2 weeks ago. Very heavy rain and lightning but NO widespread wind damage.
Later tonight and tomorrow a cool front will be to our north and with a wave of low pressure along the front, some heavy showers are likely to develop especially to the north of DC.
The air is very moist for miles above us and any slow moving storms could cause some local flash flooding. Finally by Saturday the front is a bit to the south and with east to northeast winds, a real break in the heat, but with cloudy, showery and almost cool conditions for folks heading to the beach


text: Michelle Pfeiffer for TV comedy series? Showtime orders Billions to series Andrew Dice Clay comedy ordered by Showtime HBO, Showtime partner for boxing match Nurse Jackie renewed for seventh season Sunday ratings: 'Once Upon a Time' up Sunday ratings: 'Once Upon a Time' down Sunday ratings: 'Breaking Bad' leaps Timothy Dalton joins horror TV series Adam Brody joins cast of 'House of Lies' 'The Big C' renewed for final season 'Homeland' promotes two actors 'Arrow' casts 'Dexter' actor David Ramsey 'Shameless', 'Californication' renewed Brian K Vaughan adapts 'Under the Dome' 'Real L Word' gets third season 'Dexter' comics announced by Marvel Julia Stiles 'loved' killing scenes in 'Dexter' 'Lone Star' actor lands 'Shameless' role 'Weeds' to guest star Martin Short, Aidan Quinn 'Lights Out's Billy Brown joins 'Dexter' cast Nick Cannon to mock rival Eminem on TV Linney: 'Big C character is liberated' Showtime commissions HIV documentary Showtime unveils Spring schedule US 'Shameless' greenlit by Showtime 'Dexter' headed for "shocking" finale Springfield 'to go nude on Californication' Izzard, Barr join Showtime comedy series 'Californication' handed fourth season LeBlanc to star as himself on 'Episodes' Bill Condon to direct 'C Word' pilot Collette: 'I hope to play Tara for years' Showtime replacing 'Tudors' with Borgias show? 'L Word' to become reality show? 'Dexter', 'Mad Men' episodes leaked Showtime cancels 'Brotherhood' David O'Hara cast in 'The Tudors' Joss Stone signs up for fourth 'Tudors' Rick Springfield joins 'Californication'


text:
Pronunciation: encephalopathy
Pronunciation in English [en]
- Pronunciation by 0x24a537r9 (Male from United States)
- Pronunciation by TopQuark (Male from United Kingdom)
- Pronunciation by Focalist (Male from United Kingdom)
- Pronunciation by kaffy (Female from United States)
- Pronunciation by loralita (Female from United States)
0 votes
Could you do it better? different accent? Pronounce encephalopathy in English
Accents & languages on maps
- Random word: Illinois
by PhotransEdit Phonetic spelling:
Not satisfied?
Modify word:
· Add languages
· Add categories
Report word:
Is there anything wrong with this word?
Please report it here.


text:
Is Your Kitty Cat a Destructive Killer?
by Matt Miller, senior science writer
Does the loss of bird populations begin with a meow?
When most conservationists think about the biggest human-caused threats to native birds, they list things like oil spills, habitat destruction, invasive species, climate change, collisions with windows, pesticides and wind turbines.
But those threats, serious as they are, pale in comparison to what may be the number one killer of wild birds: Cats.
That's right. Your beloved Tabby could be a wildlife destroying machine, a genuine conservation threat.
That's what researchers suggest in a recent paper published in the journal Nature Communications. They found that free-ranging cats killed between 1.4–3.7 billion birds and 6.9–20.7 billion mammals annually in the United States.
That research has been widely publicized by birders, and widely ignored by everyone else. Especially cat lovers.
Researchers Scott R. Loss and Peter Marra of the Smithsonian's Migratory Bird Center and Tom Will of the U.S. Fish and Wildlife Service Division of Migratory Birds suggest that feral cats (those not owned by someone) kill the majority of birds.
But still, a simple way to save the local fauna is to keep your Siamese or Manx indoors, or on a leash.
Bird Versus Cat. Bird Lover Versus Cat Lover.
The researchers hope their findings lead to solutions for free-roaming cat management. But maybe they shouldn't be too optimistic.
Conservationists and outdoor enthusiasts have a special fondness for birds. We put up backyard feeders. We list them, we count them for citizen science projects, we marvel at their migrations.
The problem is, it would appear most people love cats even more. (And the native voles, shrews and chipmunks that cats gobble by the billions? They lack a fan base, even though they're vital parts of the ecosystem).
According to the study, the United States is home to 84 million owned cats and another 30 – 80 million unowned cats (which includes truly feral felines and those living in fed but free-roaming colonies).
As environmental writer Ted Williams claimed in Audubon, "The political power of wildlife advocates is dwarfed by that of the feral cat lobby. Last year, for example, it squashed federal legislation to remove exotic species from national wildlife refuges because feral cats might be among them."
Kitty Nation
People love their pets, of course, and it's quite possible to own a cat and not decimate the local songbird population.
More problematic is that many people now feel similar affection for feral cats.
There are many clubs and advocacy groups — with clever names like Alley Cat Allies — devoted to feeding colonies of feral cats, which essentially bolsters the population. Like other predators, cats will hunt and kill even if they're not hungry—it's their biological imperative.
To be fair, some of these stray cat activists promote programs where feral cats are trapped, neutered and returned. In theory, this would reduce the cat population over time.
In practice, there is no evidence this works. On the contrary, colonies of cats encourage people to release their unwanted pets at the feeding sites, and the overall population continues to climb.
Other cat lovers claim that cats have just replaced other predators that can't coexist with humans in their suburbs and cities. I understand that point of view. But free-roaming cats are subsidized with food and shelter from humans, so they exist at much higher densities than other predators.
Save the Birds, Control Your Pet
As with most conservation issues, this one is about values as much as science. Some people see cats, including free-roaming ones, as an important part of their local fauna.
Others observe them stalking birds at their bird feeder and have a visceral negative reaction—as I did, when a cat interrupted my recent participation in the Great Backyard Bird Count.
I understand the devotion people feel for their pets, and for cats in general. But I come down on the side of the birds (and the voles and shrews). It's time to start having hard discussions about managing feral cats.
In the meantime, you can make an immediate difference for bird conservation. It does not involve politically difficult and expensive solutions, like addressing energy development or sprawl.
You simply have to control your cat. It's a scientifically valid conservation action that you can take today—and know that you're saving countless songbirds and small mammals.
Opinions expressed on Cool Green Science and in any corresponding comments are the personal opinions of the original authors and do not necessarily reflect the views of The Nature Conservancy.
Photo Credit: Flickr/dr_relling under a Creative Commons Attribution-Share Alike 2.0 Generic license.
Comments: Is Your Kitty Cat a Destructive Killer?
Licensing and laws do nothing to curb the problem. If cats are required to be licensed then cat-lovers just stop putting collars on their cats, as they did by me. And they won't even bother getting them micro-chipped, especially not that They want absolutely nothing that can hold them legally responsible, liable, and accountable for the actions of their cats. It's why many of them even keep cats in the first place. We're not talking about the topmost responsible citizens of the world, you know. They don't want that responsibility of what their cat has done coming back on them. If they had even one iota of a sense of responsibility and respect for all other lives on this planet we wouldn't even be having these discussions.
On the other hand, I found something that DOES work, and works well, and works fast (well, relative to the years it takes trying to reason with deceitful and lying cat-lovers that accomplishes ABSOLUTELY NOTHING). Where I live cat-lovers have learned that _ALL_ cats, stray and feral, collared or not, ear-tipped or not (because TNR con-artist liars now just clip cats' ears only, WITHOUT sterilizing or vaccinating them, to protect their hoarded cats from being trapped and euthanized), _ALL_ their cats are humanely shot on sight and buried whenever found away from supervised confinement.
The ONLY thing that works is destroying any of their cats found outdoors off their property. They either learn to stop getting more cats that die under the wheels of cars or from animal attacks, or they finally learn how to be a responsible pet owner, respectful neighbor, and learn to keep their invasive species animal under confined supervision, as it should be. Win win win all around. You can either destroy their cat for them humanely, or let their lack of concern for their cat cause it to die inhumanely. By destroying their cat for them humanely you are showing them that you care more about their cat than even they do. A bullet is by far the most humane death that any free-roaming cat will ever meet. Anything else is all inhumanely downhill from there. Their only other options are being hit by cars, environmental poisons, cat & animal attacks, disease and parasites, freezing, etc., etc.
You can't train a cat to stay home but I found that, in time, you CAN train a cat-owner into being a responsible pet-owner and a respectable neighbor. Most of them are so phenomenally stupid, disrespectful, and criminally irresponsible though that you have to make at least 12-15 of their cats permanently disappear before they even start to figure out what they've been doing wrong all during their sorry, useless, and pathetic lives. (Though the ones by me were uniquely cretinized and lobotomized. I had to shoot and bury many hundreds of their cats before they started to learn.)
If you live in an area where its not legal to use firearms to destroy any animal that is threatening the health and safety of you, your family, your animals, or property (as it *IS* legal in most every area of the nation — shoot to maim is animal cruelty but shoot to kill is a perfectly legal way to humanely destroy any nuisance animal on your own property); then check into laws regarding air-rifles with ballistics speeds of 700-1200 fps and using pointed vermin-pellets in no-firearms zones. Many of the newer ones even come with their own sound-suppressor designs built-in, being specifically designed for shooting vermin cats in urban areas, the demand is that great. Failing that, then there's always the SSS and TDSS Cat Management Programs that are exploding in popularity worldwide. Shoot, Shovel, & Shut-Up; or Trap, Drown, Shovel, & Shut-Up. Both methods are legal on every square foot of this earth. No local laws were violated if it never happened.
(Where cats have already learned to evade all trapping methods, then inexpensive generic 1-adult-strength acetaminophen (overseas a.k.a. paracetamol) pain-relievers are a more species specific vermin poison, available everywhere for pennies. MUCH safer for the environment and all other animals than the antifreeze and rat-poisons that cat-lickers have forced everyone into using. But you really do need to retrieve and dispose of that carcass safely so that native wildlife won't die from the many diseases cats spread even after their death. I fed a shot-dead cat to some starving opossum once, starving from cats having destroyed all their foods. (2 adults and 3 offspring they had while under my care.) Those opossum then died from some disease in that cat. Leaving ANY cat, alive OR dead, out in nature is no better than intentionally poisoning your native wildlife to death. Cats truly are complete wastes of flesh, they can't even be used to feed wild animals safely.)
I don't see anyone dumping cats where I live anymore. They don't even adopt more than can be kept under lock & key 24/7. When driving through the area I don't see even one cat on anyone's doorsteps anymore. I always keep an eye out to see if there are more free-roaming cats that will have to be shot one day. And if I'll have to leave fish-oil trails on all the roadsides again, leading right to my IR surveillance system and laser-sighted rifle. (Got more than 70% of the hundreds of them in the area this way. VERY effective if you have criminally irresponsible and criminally negligent cat-licking problem neighbors where you live too.)
Leaving ANY of their invasive species cats outside in my area means certain death for that cat, their further existence can be counted in hours. You'd think everyone else could learn from this simple lesson. The quickest way to solve an unwanted animal and irresponsible pet-owner problem is to let everyone know that you will quickly and humanely destroy every last one of their unwanted, uncared-for, or unsupervised animals for them. They either grow up fast or, far more plausible, dump their animals elsewhere to become someone else's problem.
You just can't be an enabler of criminally irresponsible spineless and heartless idiots — or they remain that way. (At least where you live, anyway.)
Wow – those are some blanket generalizations. I've owned cats and none of your comments apply to me: "If cats are required to be licensed then cat-lovers just stop putting collars on their cats, as they did by me. And they won't even bother getting them micro-chipped, especially not that They want absolutely nothing that can hold them legally responsible, liable, and accountable for the actions of their cats. It's why many of them even keep cats in the first place. We're not talking about the topmost responsible citizens of the world, you know. They don't want that responsibility of what their cat has done coming back on them. If they had even one iota of a sense of responsibility and respect for all other lives on this planet we wouldn't even be having these discussions." I'm sorry you've had the misfortune of living next to irresponsible people, but not everyone who owns a cat fits that bill.
I'm exhausted just reading that.
I guess it is pretty much in the eye of the beholder. Where I come from , possums are considered to be disease-carrying vermin (bovine TB for starters) and are poisoned and shot assiduously. We do recognise the enormous damage that cats can do, but we also add rabbits,stoats and weasels to the list of totally undesirable species. None of these are native to our country and there-in lies the problem. Rabbits were introduced to provide food for humans. Weasels and stoats were introduced to keep them under control. Recipe for disaster. Many of our native birds nest on the ground and some are unable to fly so are especially vulnerable
While I appreciate the enormous damage that cats do, I would hate to think that the answer is to be found in wholesale slaughter.
You should be as exhausted as I was after ridding my lands of hundreds of vermin cats.
You'll have no other choice than "wholesale slaughter". Even more-so now that I let Australia's government know why native predators can't even keep these invasive cat populations in check. When they too found that increasing Dingo populations did nothing to stop cats. (Read this original discovery of mine that I made a decade ago (following link), if you too want to know why. Even Australians didn't know until I told them why their more recent Dingo experiments failed. They should have contacted me first, I could have saved them millions of their native-animals' lives. http://neighbors.denverpost.com/viewtopic.php?source=phpbb_art_viewall&t=22154584#p2781776 )
As for all the other proposed solutions, then this is a must-read for people who think that trapping or sterilizing cats is in any way a viable solution. (Prepared-text alert.)
Here's how these ignorant, self-serving, and uneducated TNR-advocates are destroying all life on the planet.
The TNR CON-GAME
FACT: Trap & Kill failed because cats cannot be trapped faster than they exponentially breed out of control.
FACT: Trap, Neuter, & Release (TNR) is an even bigger abject failure because these man-made ecological disasters cannot be trapped faster than they exponentially breed out of control, and they also continue the cruelly annihilate all native wildlife (from the smallest of prey up to the top predators that are starved to death), and the cats continue to spread many deadly diseases that they carry today — FOR WHICH THERE ARE NO VACCINES AGAINST THEM. Many of which are even listed as bioterrorism agents. (Such as Tularemia and The Plague — Yes, people have already died from cat-transmitted plague in the USA. No fleas nor rats even required. The cats themselves carry and transmit the plague all on their own.)
FACT: THERE IS ABSOLUTELY _NOTHING_ HUMANE ABOUT TNR. Nearly every last TNR'ed cat dies an inhumane death by road-kill, from cat and animal attacks, environmental poisons, starvation, dehydration, freezing to death, infections, parasites, etc. And if very very lucky humanely shot to death or re-trapped and drowned (the two most common methods employed on all farms and ranches to protect their gestating livestock's offspring and valuable native wildlife dying from cats' Toxoplasmosis parasites). This doesn't begin to count the thousands of defenseless native animals that cats skin alive and disembowel alive for their daily and hourly play-toys. The only difference in destroying cats immediately and humanely instead of trapping, sterilizing, then releasing them to an inhumane death; is that money isn't going into an HSUS or SPCA board-member's pocket, veterinarian's pocket, cat-food company CEO's pocket, or a drug-company CEO's pocket. And that's the ONLY difference!
FACT: Cats are a man-made (through selective breeding) invasive species. And as such, are no less of a man-made environmental disaster than any other caused by man. Cats are even worse than an oil-spill of continent-sized proportions. They not only kill off rare and endangered marine-mammals along all coastlines from run-off carrying cats' Toxoplasma gondii parasites, they destroy the complete food-chain in every ecosystem where cats are found. From smallest of prey gutted and skinned alive for cats' tortured play-toys, up to the top predators that are starved to death from cats destroying their ONLY food sources. (Precisely what cats caused on my own land not long ago.)
FACT: Hunted To Extinction (or in this case, extirpation of all outdoor cats) is the ONLY method that is faster than a species like cats can exponentially out-breed and out-adapt to. Especially a man-made invasive species like these cats that can breed 2-4X's faster than any naturally occurring cat-species.
FACT: In _TWELVE_YEARS_ Alley Cat ALL-LIES of NYC have only reduced feral cats in their own city by 0.08% to 0.024% (as the months go on that percentage becomes more insignificant), allowing more than 99.92% to 99.976% to exponentially breed out of control. Here's how Alley-Cat-ALL-LIES' deceptive math works: If you TNR 4 cats and 3 get flattened by cars this translates to 75% fewer feral-cats everywhere. Alley Cat ALL-LIES can't even reduce cats in their own city, yet they promote it as a worldwide solution. Then even bigger fools fall for it and promote it.
FACT: When researching over 100 of the most "successful" TNR programs worldwide, JUST ONE trapped more than 0.4%. Oregon's 50,000 TNR'ed cats (the highest rate I found) is 4.9% of all ferals in their state. Yet, by applying population growth calculus on the unsterilized 95.1% they will have trapped only 0.35% of all cats in their state sometime this year. Less than 0.4% is a far cry from the required 80%-90% to be the least bit effective.
FACT: Their mythical "vacuum effect" is a 100% LIE. A study done by the Texas A&M University proved that any perceived "vacuum" is just the simple case that CATS ATTRACT CATS. Get rid of them all and there's no cats there to attract more. I proved this myself by shooting and burying hundreds of them on my own land. ZERO cats replaced them FOR 3 YEARS NOW. If you want more cats, keep even one of them around, more will find you. That university study also found that sterilized cats very poorly defend any territory. Non-sterilized cats, being more aggressive, take over the sterilized cats' resources (shelter & food if any). If there is any kind of "vacuum effect" at all, it is that sterilizing cats cause non-sterilized cats to restore the reproductive void.
FACT: During all this investigation I have discovered something that is unfaltering without fail. Something that you can bet your very life on and win every last time. That being — IF A TNR CAT-HOARDER IS TALKING THEN THEY ARE LYING. 100% guaranteed!
Make a comment
Enjoy Osprey Cam Live!
The Ospreys Are Back!
Live views, 24/7, of an Alabama osprey nest. Record your observations and ask our ecologist about what you're seeing.
What is Cool Green Science?
noun 1. Blog where Nature Conservancy scientists, science writers and external experts discuss and debate how conservation can meet the challenges of a 9 billion + planet.
2. Blog with astonishing photos, videos and dispatches of Nature Conservancy science in the field.
3. Home of Weird Nature, The Cooler, Quick Study, Traveling Naturalist and other amazing features.
Cool Green Science is edited by Matt Miller, the Conservancy's deputy director for science communications, and managed by Lisa Feldkamp, an American Council of Learned Societies fellow with the TNC science communications team. Email us your feedback.
Innovative Science
Call for Inclusive Conservation
Join Heather Tallis in a call to increase the diversity of voices and values in the conservation debate.
Appalachian Energy Development
Where will energy development hit hardest? And where can conservationists make a difference?
Not a sci-fi movie. A true story of nanotechnology & clean water.
On the Wild Side
Bird is the Word
Latest Tweets from @nature_brains
- Happy #4thofJuly! Get outside and see some iconic wildlife: http://t.co/OiMuA9ETZ1 http://t.co/uYqRqBlzlN
- A call for more specific biodiversity goals in #REDD projects: http://t.co/pMNY6yDtq2 https://t.co/DtYli2FeMg
- Big ideas for small-scale fisheries at the Fishackathon: http://t.co/FEgDRSLBNe via @Rare_org
- Florida fire history & prescribed burns on Cool Green Science: http://t.co/O6V7jnqm3L http://t.co/hyJUQfX1LI
- An opportunity to expand the home range of Yellowstone bison: http://t.co/ursuVIlWgC via @HuffPostGreen https://t.co/5y5Mu5Mlbi
Blogroll: Conservation and Science
- 10,000 Birds
- Bird Freak
- Blogfish
- Carl Zimmer's The Loom
- Climate Compass
- Collide-a-scape
- Conservation Biology Institute
- Conservation Bytes
- Conservation Magazine
- Deep Sea News
- Discover Magazine Blogs
- Dynamic Ecology
- Earth Lab
- Eat More Brook Trout
- Environmental Leader
- Gary Paul Nabhan
- God of Wednesday
- Grist
- High Country News
- I, Science
- Idaho Nature Notes
- Inside Science
- Knight Science Journalism Tracker
- Mongabay
- Mother Jones Blue Marble
- New Scientist
- New York Times Green
- Not Exactly Rocket Science
- NRDC Blogs
- Orion Blog
- Peter Gleick: Significant Figures
- Pew Environment Group
- Planet Change
- PLoS blog
- Prairie Ecologist
- Real Climate
- Science Blogs
- Science Daily
- Science Friday
- Science Jon
- Science Shots
- Scientific American Blogs
- Sea Monster
- Short Sharp Science
- Smithsonian Science & Nature
- Strange Behaviors
- Surprising Science
- Ted Williams Conservation Blog
- Tet Zoo
- The Blog Aquatic
- The Tiny Aviary
- TreeHugger
- Wired Science
- Yale Environment 360


text:
|National Football League
· Expanded Analysis
· Gaming Matchup
· AFC Injuries
· AFC Schedule
· AFC Standings
· News
· Current Odds
· Live Odds
· NFC Injuries
· NFC Schedule
· NFC Standings
· Scoreboard
· Statistics
· Teams
· Transactions
· Weather
More Football
· Arena
· DIV II College
· DIV III College
· FBS College
· FCS College
NFL Game Summary - Pittsburgh at Cleveland
(Sunday, January 2nd)
Final Score: Pittsburgh 41, Cleveland 9
Cleveland, OH (Sports Network) - Rashard Mendenhall rushed for two touchdowns and Ben Roethlisberger tossed for two more, as the Pittsburgh Steelers abused the Cleveland Browns, 41-9, to capture the AFC North title and a first-round bye in the playoffs.
Pittsburgh and Baltimore both ended the regular season with 12-4 records, but the Steelers edged the Ravens for the No. 2 seed by one more division win.
"Mission accomplished for us. We're excited," Steelers head coach Mike Tomlin said. "We're proud to be AFC North champs and to have the bye week. It's much- needed...Today was probably our first game where we felt like we were able to play close to what we're capable of in division play."
Roethlisberger, who has led Pittsburgh to four division titles in seven seasons, ended with 280 yards on 15-of-22 throws, while Mike Wallace caught three passes for 105 yards and a score.
Colt McCoy ended his rookie campaign on a sour note with three interceptions for Cleveland (5-11), which limped to the finish line with four consecutive losses. The Texas product completed 20-of-41 attempts for 209 yards with a TD.
"We didn't execute on offense and stay on the field like we should have. It puts your offense and defense in a bind," McCoy said before reflecting on his season. "I've earned a lot of experience that's really going to help...I'm fired up. When I come back next year I'm not a rookie anymore, and it'll be time to play and time to go."
The Steelers were in control throughout the regular season finale, scoring on all six possessions with Roethlisberger under center.
Their perennial Pro Bowl safety, Troy Polamalu, returned from a two-game absence and made an immediate impact with an interception on the second play from scrimmage. On the next snap, Wallace got behind the secondary and hauled in Roethlisberger's 56-yard bomb for an early lead that was quickly extended.
Wallace's 41-yard catch and run highlighted a 10-play, 71-yard march that Mendenhall capped with a one-yard run with 6:57 left in the opening quarter.
The Browns made headway on their next touch but settled for a 19-yard Phil Dawson field goal after Robert Royal dropped a sure touchdown.
Pittsburgh continued to impose its will on offense on the ensuing possession, which ended in another Mendenhall one-yard romp for a 21-3 cushion.
McCoy was intercepted on Cleveland's next two drives. The Steelers converted the first turnover into Heath Miller's four-yard touchdown reception and the second into Shaun Suisham's 41-yard field goal for a 31-3 halftime lead.
Pittsburgh held the ball for the first 7:42 of the third and scored on a trick play near the goal line. On third down from three, Antwaan Randle El took an end around pitch, changed direction behind the line of scrimmage and threw back to an uncovered Hines Ward in the right corner of the end zone.
With the outcome no longer in doubt, Byron Leftwich relieved Roethlisberger for the rest of the game.
Suisham added a 24-yard field goal early in the fourth, and the Browns scored their lone touchdown on Brian Robiskie's 20-yard reception with 6 1/2 minutes remaining.
Game Notes
The Steelers have won 14 of the past 15 games between the teams...The Browns ran for just 43 yards, as Pittsburgh set a new franchise record by allowing a mere 1,004 rushing yards on the season. The 62.8-yard per game average by opposing running games ranks as the fifth fewest in NFL history...The Steelers finished 7-1 on the road for the first time since 2004...Wallace posted his seventh 100-yard receiving game, tying John Stallworth's franchise record...Polamalu, who tied a career-high with seven interceptions this year, sat out the previous two games because of an ankle injury...McCoy tossed three interceptions in his first six games this season but was picked off six times in his final two contests...Cleveland's Peyton Hillis was nursing sore ribs and was held to 13 yards on six carries.


text:
1. How effective are the opening chapters of A Farewell to Arms? What makes them effective/ineffective?
2. Write an essay discussing Hemingway's use of lowlands and mountains as symbols.
3. Compare and contrast the novel's most significant supporting characters: Rinaldi and the priest.
4. Are Henry's reasons for deserting the Italian army convincing? Why or why not?
5. Compare the novel's two idyllic sections: the summer spent in Milan and the winter in Switzerland.
6. Compare and contrast Italy and Switzerland in general, as they appear in this novel.
7. Write an essay in which you disagree with the truism that the essential Hemingway style is typified by short, declarative sentence.
8. Ernest Hemingway has been accused of sexism. Is Catherine Barkley a believable, three-dimensional character? What about the other female characters in A Farewell to Arms?
9. Is Hemingway's treatment of the love between Henry and Catherine too much or not enough?
10. Write an essay about the common man in A Farewell to Arms.
Back to Top
Both Henry and Catherine are sent to a hospital in which city?
More Study Help
Cite this
Literature Note
©2014 Houghton Mifflin Harcourt. All rights reserved.
Terms & Conditions of Use
Privacy Policy


text:
YIELD: Makes 2 cups
Puree 1 pound strawberries in processor. Transfer puree to heavy large saucepan. Mix in sugar, Vin Santo, vanilla extract and grated lemon peel. Simmer over medium-low heat until sauce is reduced to 2 cups, stirring often, about 15 minutes. Cool. (Sauce can be prepared 2 days ahead. Cover and refrigerate.)
*Vin Santo is an Italian dessert wine sold at some liquor stores and some specialty foods stores.


text:
Wanted — Inspiring, Godly Screenplays!
Dr. Ted Baehr's Special Speaking Engagement in the Capitol!
Dr. Ted Baehr to Speak at a 64th Annual National Day of Prayer Breakfast
Dr. Ted Baehr Ranked Among the Top 50 Christian Leaders in America!
get free movie reviews right in your inbox
Like us on Facebook


text:
Original recipe yields 24 servings
Amount per serving ({{servings}} total)
Based on a 2,000 calorie diet
Ready In
These garlic knots are great, but I work at a pizzeria so I know you have to make them hot. Pour the toppings over them right when they come out so it soaks in. If you wait until they are cold i...
I made these for our bowling league and they were a huge hit. I decided to add all the ingredients to the olive oil so the flavors would infuse and it really turned out great! Patti
this was a delicious recipe,however I baked the knots for a while just before they turned golden brown, and then I coverd them with everything and baked it till golden brown so the flavor soaked...