text:
They have each played 15 games, and none of that matters. The heart-breaking losses, the stirring comeback wins, the ones where they rolled over adversity like it was a mere speed bump -- all those contests are in the past and staying there.
The intense race for the playoffs is in full gear. Check out the latest situation in the postseason chase. More ...
For the Dallas Cowboys, hurdles came off the field, playing a day after the death of a teammate. And they came on the field, sparring while missing six starters on defense and tasked with overcoming countless deficits. The Washington Redskins, meanwhile, turned to a rookie backup quarterback to secure two monster wins. Kirk Cousins responded like a steely veteran in late-game rescue duty against the Baltimore Ravens and a complete-game win over the Cleveland Browns.
And yet, it's all in the rear-view mirror. There is one more game, and the chance to carry on is at stake. Cowboys coach Jason Garrett wasn't lying when, asked about games in the past, he responded, "We are a very forward-looking operation around here." At this point, it doesn't matter.
Cowboys vs. Redskins on Sunday night. One of the NFL's fiercest rivalries. On a national stage. And all that's hanging in the balance is the NFC East crown and a coveted playoff spot.
The chance is there, and for the Cowboys, winning is the only way to get in the playoffs. The Redskins can lose and have help, but earning a victory eliminates doubt. In this topsy-turvy conference, of course it came down to one like we will see on Sunday.
"You live for games like this," Garrett said.
Here is your Week 17 primer, with games ranked in order of intrigue, from 1 to 16:
Dallas at WashingtonSun 8:20 p.m. ET, NBC Get Tickets
Why this game is No. 1:As a pure fan of football, it would be difficult to ask for anything more of the last game in the 2012 regular season. This one has everything. Emotions high on both sides in a historic rivalry. Win-or-go-home stakes for the Cowboys, though the Redskins can still squeak into the playoffs with a loss if certain things happen. And dynamic players who will no doubt find the brightest stage with the game on the line. For Washington, that means Robert Griffin III, who will attack a beleaguered Cowboys defense at less than 100 percent, thanks to his knee injury. Will that be enough? If he can replicate the performance last month in Dallas that left owner Jerry Jones in awe, it will be. For the Cowboys, receiver Dez Bryant and quarterback Tony Romo have been on a serious tear as a tandem, taking their flawed team to the brink of the playoffs. Do they have one more in them? Drama awaits. #DALvsWAS
- Watch: Game Preview
Green Bay at MinnesotaSun 4:25 p.m. ET, FOX Get Tickets
Why this game is No. 2:Few players have received as much ink for personal accolades as Minnesota Vikings running back Adrian Peterson. On the heels of an anterior cruciate ligament tear, with 1,898 yards and 11 touchdowns in 15 games, it's all warranted. His comeback has been amazing. Yet, the way he's willing his team to the doorstep of the postseason should be lauded even more. With an inconsistent quarterback, a young defense and a banged-up group of receivers, Minnesota can still win and make the playoffs. The Vikings have defied the odds all season during what should have been a rebuilding year. All that's left is to beat the Packers at home and make it official. Not so easy, though. There are few teams as hot as the Packers, and they can clinch a first-round bye with a win, so no one will be resting. If Minnesota is going to make the playoffs, the Vikings will have to earn it. #GBvsMIN
- Watch: Game Preview
Chicago at DetroitSun 1:00 p.m. ET, FOX Get Tickets
Why this game is No. 3:The offensively challenged Bears will need to rely on their still-nasty defense to take down the NFL's No. 2 passing offense in the Lions. And if they do, they keep open their chance of earning a playoff berth ... but only if the Vikings lose. The Bears snapped a three-game losing skid last week against the Cardinals, but their performance was uneven. Coach Lovie Smith is also on the hot seat following an inconsistent season, and a playoff spot might answer questions about his future. Either way, it will all be decided against one of the league's most disappointing teams. Yet, the Lions still have talent, including receiver Calvin Johnson. If Chicago's corners can corral him, their task will be far easier. #CHIvsDET
- Watch: Game Preview
Houston at IndianapolisSun 1:00 p.m. ET, CBS Get Tickets
Why this game is No. 4:For most of the season, it's looked like this game would not matter. The Texans would roll into the final week prepared to rest players, while the Colts would eventually cool off and take their rightful postseason spot as spectators. Neither of those things happened. Houston went down in Week 16, and now the Texans need a victory to clinch a playoff bye and home-field advantage throughout. Perhaps more importantly, they need to find their mojo after being blown out in two of their past three games. On the other sideline is the stuff of Disney movies. With his cancer treatment finished, the Colts' Chuck Pagano will be back coaching. The playoff watch is nice. But when Pagano is introduced at Lucas Oil Stadium, no one will be thinking about football. Everyone will be reaching for a Kleenex. #HOUvsIND
- Watch: Game Preview
Baltimore at CincinnatiSun 1:00 p.m. ET, CBS Get Tickets
Why this game is No. 5:As far as playoff seeding goes, this doesn't mean much. The Bengals are locked into the No. 6 spot, though their opponent is still up in the air. What they'd like to do is simply finish off a late-season sweep of their rivals, something coach Marvin Lewis recently pointed to as a goal after being asked when people will talk about the Bengals in the same breath as the Steelers and Ravens. Cincy handled one part by topping Pittsburgh last week. The Ravens might be next. It won't be easy, as Baltimore destroyed the Giants last week in a furious bounce-back game, reestablishing itself as a viable playoff contender. Quarterback Joe Flacco might have found his groove again, but is his defense tough enough? If the Ravens can stop Cincinnati from running the ball, we should have our answer. #BALvsCIN
- Watch: Game Preview
Arizona at San FranciscoSun 4:25 p.m. ET, FOX Get Tickets
Why this game is No. 6:What the 49ers hope is that this game is badly over-valued. That I've totally blown it. Because if this is a competitive, intense game, that likely means San Francisco will go limping into the playoffs. If the Niners have a tough time with the Cardinals, it might mean the cracks in their foundation are real. At home, in their final regular-season tune-up, with Arizona reeling, the 49ers should roll. Quarterback Colin Kaepernick should thrive, and the Niners' D should bounce back, whether or not Justin Smith plays. Oh, and if they want the NFC West crown and a crack at a first-round bye, a nice, easy victory is preferred. #ARIvsSF
- Watch: Game Preview
Philadelphia at New YorkSun 1:00 p.m. ET, FOX Get Tickets
Why this game is No. 7:The playoff ramifications are slight. The Giants have barely a prayer, and the Eagles, well, they have other things on their mind. But Michael Vick is back. And that fact is enough to make this otherwise meaningless game fairly fascinating. The electric quarterback will step in for injured Nick Foles and play what might well be his final game as an Eagle. Vick says he doesn't see it as an audition for 31 other teams, but assume everyone will be watching, just the same. A motivated Vick against a downtrodden Giants defense could play out in so many ways. It's a total wild card, which makes it one to watch. #PHIvsNYG
- Watch: Game Preview
St. Louis at SeattleSun 4:25 p.m. ET, FOX Get Tickets
Why this game is No. 8:Which one of these ideas is more surprising: That the Seahawks and their rookie quarterback still have a chance at the NFC West title, or that the Rams are 7-7-1 and have no chance at the postseason? I'll take Seattle, but just by a hair. Thanks to Russell Wilson, a Skittles-eating running back and a beastly defense, the Seahawks have unloaded on the rest of the league in epic proportion. Over their past three games, they've scored 150 points -- averaging a 50-burger. If the Seahawks keep it rolling against a feisty St. Louis defense that is not lacking in physicality, Seattle might be tops on the list of teams you wouldn't want to play come the postseason. As for St. Louis, all they have to play for is a winning season, their first since 2003. That's enough. #STLvsSEA
- Watch: Game Preview
Miami at New EnglandSun 4:25 p.m. ET, CBS Get Tickets
Why this game is No. 9:A first-round bye is still possible for the Patriots, and a week off wouldn't be a bad thing for anyone. The Patriots have two goals with the regular season still ongoing -- 1) Find out what happened to cause them to nearly stumble against Jacksonville; 2) Get tight end Rob Gronkowski healthy again. If they accomplish both, whether they have a bye or not, they'll be in position to make another run at the Lombardi Trophy. The Dolphins are merely the vehicle to get there. #MIAvsNE
- Watch: Game Preview
New York at BuffaloSun 1:00 p.m. ET, CBS Get Tickets
Why this game is No. 10:Two teams with lost seasons playing out their final games in meaningless fashion. Not even Tim Tebow can save this one, though the drama surrounding what is almost certainly his last outing with the Jets could. In reality, after so much hype from both during the offseason, it's slightly lame that they'll play this one with so little at stake. But, then again, there are a lot of reasons this finale leaves us wanting. So, they'll play, someone will win, and then Buffalo and Gang Green will face an offseason of serious reflection. Big decisions loom. #NYJvsBUF
- Watch: Game Preview
Tampa Bay at AtlantaSun 1:00 p.m. ET, FOX Get Tickets
Why this game is No. 11:There's nothing more for the Falcons to accomplish in this regular season. Home-field advantage is nice. Beating up some solid teams, like the Giants, on the way was nicer. So, with nothing to gain, don't be shocked if Atlanta rests some starters. For the Bucs, losers of five straight at the end of a season that began with so much promise under coach Greg Schiano, a victory might be meaningful heading into the offseason. #TBvsATL
- Watch: Game Preview
Carolina at New OrleansSun 1:00 p.m. ET, FOX Get Tickets
Why this game is No. 12:This is another one with nothing at stake (catching the trend as we move toward the end of this list?). But the actual on-field product figures to be action-packed. Cam Newton and Drew Brees will come out firing, and there might be an aerial assault like we rarely get to see. The red-hot Saints will be trying to finish off a disappointing season on the right foot before heading into the offseason to try to retain their coach, Sean Payton. As for the Panthers, coach Ron Rivera's seat gets cooler and cooler, thanks in part to Cam Newton's re-emergence and three straight wins. Can they make it four? #CARvsNO
- Watch: Game Preview
Cleveland at PittsburghSun 1:00 p.m. ET, CBS Get Tickets
Why this game is No. 13:There isn't much here for the Steelers, except just trying to finish in the way that coach Mike Tomlin always stresses. For the Browns, though, there is so much more. The futures of coach Pat Shurmur, quarterback Brandon Weeden and so many others are hanging in the balance. The hot streak they had midseason has dissipated, and now the Browns are hoping to leave one final positive impression on new owner Jimmy Haslam and CEO Joe Banner. #CLEvsPIT
- Watch: Game Preview
Kansas City at DenverSun 4:25 p.m. ET, CBS Get Tickets
Why this game is No. 14:Denver has plenty to play for, with a first-round bye coming with a victory. Even home-field advantage throughout the playoffs can happen. But against the lowly Chiefs, they'll mainly want to play, win and walk off the field with no hiccups, and then get ready for one of the most anticipated postseasons for the Broncos in a long time. The Chiefs, meanwhile, can clinch the No. 1 pick in the draft with a loss. And when this one is over, the fates of coach Romeo Crennel, general manager Scott Pioli, and everyone else hang in the balance. #KCvsDEN
- Watch: Game Preview
Jacksonville at TennesseeSun 1:00 p.m. ET, CBS Get Tickets
Why this game is No. 15:The Jaguars are at the tail end of a miserable season, one that included the benching of their franchise quarterback and the loss of their franchise running back for much of the year to injury. Few will be upset when Jacksonville's season ends, though owner Shahid Khan does face a tough decision regarding coach Mike Mularkey and general manager Gene Smith. The Titans, meanwhile, could be in line for a facelift, too. Owner Bud Adams might feel obligated to jettison one of his favorites, Mike Munchak. The real drama will unfold when this game ends. #JACvsTEN
- Watch: Game Preview
Oakland at San DiegoSun 4:25 p.m. ET, CBS Get Tickets
Why this game is No. 16:If this is the end of the Norv Turner Era -- and it would be shocking if it wasn't -- it will come in a meaningless game against an old foe. The real question is what kind of reception the Chargers coach will receive walking off Qualcomm Stadium for what likely will be the final time. A win might offer a respectful departure and an ovation from fans, which Turner deserves. The Raiders will conclude a trying, rebuilding season with questions at quarterback but a future that is only getting brighter. #OAKvsSD
- Watch: Game Preview
Follow Ian Rapoport on Twitter @RapSheet.


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Definition of mater
n. - See Alma mater, Dura mater, and Pia mater. 2
The word "mater" uses 5 letters: A E M R T.
Direct anagrams of mater:
armet ramet tamer
Words formed by adding one letter before or after mater (in bold), or to aemrt in any order:
a - ramate d - dreamt marted e - remate reteam i - imaret j - ramjet k - market l - armlet tramel n - marten p - tamper s - armets master maters matres ramets stream tamers t - matter u - mature
Shorter words found within mater:
ae am ar are arm art at ate ear eat em er era et eta ma mae mar mare mart mat mate me meat met meta ram rat rate re ream rem ret ta tae tam tame tar tare tea team tear term tram
List shorter words within mater, sorted by length
Words formed from any letters in mater, plus an optional blank or existing letter
List all words starting with mater, words containing mater or words ending with mater
All words formed from mater by changing one letter
Other words with the same letter pairs: ma at te er
Browse words starting with mater by next letter
Previous word in list: matelots
Next word in list: materfamilias
Some random words: ex roach oeillade who ivermectin onomastic ernes
This is not a dictionary, it's a word game wordfinder.
- Help and FAQ - Examples - Home
Privacy and Cookies Policy - Share - © Copyright 2004-2019 Morewords.com - 15.849mS

subset: commoncrawl


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Download Good People Online StreamingDownload Good People Full Streaming with duration 90 Min and released on 2014-07-25 and MPAA rating is 22.
Original Title : Good People
Movie title in your country : Good People
Year of movie : 2014
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Release date of movie : 2014-07-25
Companies of movie : Millennium Films, Film i Vast, Filmgate Films, Maguire Entertainment, Material Pictures,
Countries of movie : United States of America,
Language of movie : English,
Durationof movie : 90 Min
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Translation of movie : EN,IT,RU,DE,EL,FI,ES,NL,DA,PT,PL,FR,HU,HE,SV,
Actors of movie :
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- Omar Sy ( )
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What: Boulder City Council study session
When: 6 p.m. Tuesday
Where: Boulder Municipal Building, 1777 Broadway
More info: To read the memo on potential November ballot measures and see the complete agenda, go to tinyurl.com/d2axyba.
Boulder may place a sales or excise tax on recreational marijuana on the ballot.
City officials aren't yet recommending a specific tax rate and are waiting to see what rate the state Legislature adopts.
However, Boulder City Council members will discuss a possible marijuana tax at their study session Tuesday, which includes a discussion of all revenue-related ballot measures.
Voters also may see a ballot measure on a transportation maintenance fee or tax to pay for road and transit improvements.
How much to tax marijuana is one of many local regulatory questions raised by the passage of Amendment 64, which legalized possession and use of small amounts of pot and directed the state to come up with a regulatory regime for retail sales.
Medical marijuana is taxed at the same rate as other retail sales.
A state legislative panel earlier this month recommended asking voters for a 15 percent excise tax and an additional 15 percent sales tax.
Earlier this week, Councilwoman K.C. Becker said she worried such a high tax rate could make it hard for local governments to levy their own taxes and could discourage medical businesses from converting to recreational sales.
Advocates for legal marijuana have said excessively high tax rates on pot could make it harder to get rid of the existing black market for the drug.
Becker said she wants at least a portion of a tax on marijuana to be earmarked for education and prevention efforts aimed at teenagers.
"The state isn't earmarking theirs for these purposes, and I just think it's logical to use some of it for the purpose of education," she said.
Senior Assistant City Attorney Kathy Haddock said the city has several options. It could levy a differential sales tax that charges an additional tax above and beyond the base sales tax rate, or it could charge an excise tax, which would be assessed on an earlier part of the process and capture more of the market.
Excise taxes could be collected on grow operations and infused product manufacturing facilities, which make up a large percentage of Boulder's marijuana businesses.
Haddock said city officials are aware that very high taxes could encourage sellers and growers to remain underground, but they aren't sure what tax rate would create that effect.
"We're trying to look at the impact of the tax," she said. "As to what that impact is and at how high, we don't know."
Boulder Mayor Matt Appelbaum said what Boulder does will depend on what the state does. If the state structures its tax such that cities get a cut, Boulder may not need its own tax.
There also is the question of whether a state sales or excise tax will be approved by the voters.
Appelbaum said there may be a case for waiting to see if a state tax passes and considering a local tax next year.
"This depends so much on what the state does, and even then, it depends on what the voters do," he said.
Boulder council members will share their opinions Tuesday on that and other potential ballot measures. If the council decides to place a marijuana tax on the ballot, it would decide this summer.
Boulder attorney Jeff Gard, who represents several marijuana business owners, said government shouldn't treat the industry like a cash cow.
"People have this idea that these businesses just mint money," he said. "They have this idea that no matter what government does to them, they'll be fine."
Because marijuana is illegal at the federal level but those in the pot business still need to file federal taxes, they end up paying high tax rates. That's because they can't write off any of their business expenses, and all their revenue ends up looking like profit.
Gard said the effective federal tax rate on marijuana businesses can be as high as 60 percent.
"Why would Boulder want to tax a business that is already going to be strapped by the federal government?" he asked. "I understand they want more money, but that will come if they have vibrant, thriving businesses."
Contact Camera Staff Writer Erica Meltzer at 303-473-1355 or firstname.lastname@example.com.


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Choose the Best Antivirus in 2013
Overall Editors' Choices
Three products earned Editors' Choice for best antivirus overall. The venerable Norton AntiVirus (2013) makes good use of Symantec's immense Norton Insight database to fine-tune its detection of brand-new threats, and now reports on stability of all apps on your system. It even blocks exploit attacks, a task usually handled by the firewall. Bitdefender Antivirus Plus 2013 is also a top performer, and recently received honors from independent labs AV-Test and AV-Comparatives .
Norton and Bitdefender rely on a combination of traditional signature-based malware detection and modern heuristic and behavioral detection methods. Webroot SecureAnywhere Antivirus 2013, also an Editors' Choice, works a bit differently. This incredibly tiny program tracks hundreds of behaviors and matches them against malicious behaviors using a totally cloud-based analysis system. It's not fully compatible with traditional testing methods, so it frequently receives poor results, but in PCMag's hands-on testing it rated at or near the top.
Antivirus Variations
Not everyone budgets big bucks for security; fortunately there's a thriving industry of free antivirus programs. The best free solutions don't measure up to the best for-pay solutions, but AVG Anti-Virus FREE 2013 comes close. This product, our Editors' Choice for free antivirus, beats out many commercial products both in PCMag's tests and in independent lab tests.
One particular type of free antivirus can save your bacon when entrenched malware prevents installation of your store-bought solution. Free cleanup-only tools don't stay in memory to protect against malware attack, and they're often utilitarian in appearance. They focus solely on getting rid of active malware. In our testing, Comodo Cleaning Essentials was the most effective of these, earning it Editors' Choice for this category.
Big business doesn't expect employees to manage antivirus updates; it's all managed by the IT department. In 2012 we saw the first serious managed antivirus aimed at consumers, Daily Safety Check Home Edition. Not only is it a true set-and-forget solution, it earned good marks both in our malware removal and malware cleanup tests. Daily Safety Check is our Editors' Choice in this new category of consumer-side managed antivirus.
For the full scoop about over 40 antivirus products, including the top choices mentioned here, check out our latest roundup, The Best Antivirus for 2013.
For more from Neil, follow him on Twitter @neiljrubenking.


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About People's United
People's United Bank is a subsidiary of People's United Financial, Inc., a diversified financial services company with more than $50 billion in assets. People's United Bank, founded in 1842, is a premier, community-based, regional bank in the Northeast offering commercial and retail banking, as well as wealth management services through a network of over 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire and Maine.
Our over 5,000 employees focus on providing an extraordinary customer experience through a network of branches located in Connecticut, New York, Massachusetts, Vermont, New Hampshire and Maine. In addition, seven-day banking is available at more than 140 convenient People's United Bank Stop & Shop locations in Connecticut and New York.
Our story reflects not only our banking history, but also our fundamental principles. At People's United Bank, we believe that, by offering empathy and expertise to our customers, giving back as partners in our communities, and valuing the know-how of our employees, we all succeed together.
Caring for Customers
We know that our business is built on our ability to exceed your expectations. We tailor our checking, savings, mobile banking, small business, commercial and wealth management products and services to deliver unique customer solutions. We don't just sell; we use our know-how to create innovative solutions to address your financial needs and those of your family.
Community Partnership Matters
People's United has a proud legacy of investing our time, our funds and our talent to support the needs of those around us . We are leaders in the communities in which we work and we take our responsibility to be good neighbors seriously. People's United Bank and the People's United Community Foundation , together, give more than $5 million annually to programs and services that enhance the quality of life in the neighborhoods we serve.
Succeeding Together
For the People's United Bank team, success is built on our commitment to each other and to our shared principles. We believe in supporting our colleagues and leveraging their unique talents to drive competitive advantage. We work to create an environment of collaboration, empowerment, accountability, trust, and open debate.
People's United Bank was originally chartered as the Bridgeport Savings Bank on December 24, 1842. At a time when most banks served only commercial businesses, People's United defined itself as a bank for the middle class. Deposits at the end of the first week of business totaled $97 and the bank's first employees were leading citizens in Bridgeport, Connecticut who accepted no salaries. It was ten years before a clerk was hired at $2 per week.
Many milestones later, People's United continues to positively impact the communities where our employees live and work. We also have a long history of employee volunteerism, as we choose to make a difference in our world by working to improve the quality of life throughout our footprint. We are proud of our legacy of community investment and our ability to anticipate and to address the individual, financial and development needs of our customers and their communities.


text:
Roy Gomm | May 9-12, 2017 - Sierra Nevada Journeys
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text:
5.0 Mustang & Super FordsHow To Tech Qa
Tech Questions and Answers - April 2014
I can't find out how to turn on the foglights
Total Retard
Q I have an '01 Mustang GT with pretty much stock everything. When I had the engine out, I tried checking the cams to see if they were degreed properly. I know 114 degrees is supposed to be the intake centerline (for stock Two-Valve cams), but I got 111 as the driver-side measurement. Before I go any further with it, please confirm, should I advance this driver-side cam by 2 degrees (to 113) or should I retard it? I'm using Trick Flow's adjustable crank gears, which can only be moved in 2-degree increments.
Name Witheld
Via the Internet
A Think of the adjustment as going backward to go forward. You'll have to retard the camshaft by 2 degrees in order to achieve a 113-degree intake centerline. However, engine builders we consulted say Two-Valve engines perform best with stock camshafts degreed with 110-degree ICLs. With this being the case, your best move is to leave the driver-side cam at 111, and ensure the other camshaft is at or as close to 111 as possible.
Slippers for Sleeper
Q I'm looking for the name of the company that can widen the stock Fox wheels. I saw it in a buildup that was in one of the past issues, but I cannot seem to find it.
Fred Sleeper
Shirley, MA
A Project Cheaper Sleeper's drag-race footwear includes a set of stock wheels that have been narrowed (front by 2 inches) and widened (rear by 1 inch). Gary Stevens at Pico Wheel & Tire of Van Nuys, California, handles such modifications. Gary can be reached at email@example.com.
Virgin of the Month
Foggiest Idea
Q I just purchased a previously owned '12 Mustang GT. The car is awesome. My first Ford ever, and I've been driving for more than 40 years.
I'm trying to figure out how everything works on the vehicle, and I can't find how to turn on the foglights. I can't find a separate switch, and unfortunately, nothing in the documents tells me how to work the foglights (unless I'm just blind and didn't see it). I know this is a novice question, but I appreciate your help.
Jameson Drajek
Concord, NH
A Welcome to the Mustang Nation. To turn on your Pony's foglights, pull the headlight switch toward you (when the lights are on).


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Join other reader-writers as they sample, create, discuss, and share writing practice prompts, literacy lore, inspiration, encouragement, and useful information.
This workshop is facilitated by June Jefferson, an Arkansas LifeWriting Workshop leader since 1996.
The group is currently reading Survival Lessons by Alice Hoffman. Writing prompts inspired by the readings will be assigned each week.
One of America's most beloved writers shares her suggestions for finding beauty in the world even during the toughest times. Survival Lessons provides a road map of how to reclaim your life from this day forward, with ways to reenvision everything from relationships with friends and family to the way you see yourself. As Alice Hoffman says, "In many ways I wrote Survival Lessons to remind myself of the beauty of life, something that's all too easy to overlook during the crisis of illness or loss. I forgot that our lives are made up of equal parts of sorrow and joy, and that it is impossible to have one without the other. I wrote to remind myself that despite everything that was happening to me, there were still choices I could make." Wise, gentle, and wry, Alice Hoffman teaches all of us how to choose what matters most.


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Just loved the fabric and feel
Sea Green Polo T-shirt
It,s just okay okay tshirt, not satisfied with the quality and color which has shown on the website, tshirt,s color was little bit faded as shown on the site
Navy Blue Polo T-shirt
Navy Blue Polo T-shirt


text:
FOX Business: Capitalism Lives Here
Stocks climbed on Tuesday, led by rallying technology shares. However, the broad markets pulled back from session highs amid uncertainty over U.S. budget talks.
Continue Reading Below
Today's Markets
As of 3:00 p.m. ET, the Dow Jones Industrial Average climbed 65.8 points, or 0.5%, to 13236, the S&P 500 gained 7.2 points, or 0.51%, to 1426 and the Nasdaq Composite rallied 30.2 points, or 1%, to 3017. The FOX 50 tacked on 7.4 points to 1052.
Every major sector was recently in the green. Technology and health-care names performed the best by a wide margin.
Traders have largely been able to shake off jitters about renewed political uncertainty in Italy sparked by Prime Minister Mario Monti's unexpected resignation plans. Perhaps in a sign of the fortitude, Spain's Treasury sold $5 billion in short-term debt in a strong auction Tuesday. Indeed, yields fell as compared to a November auction. Still, the borrowing costs on longer-term debt in the secondary market for both countries has continued climbing this week.
A closely-watched survey from the ZEW Institute in Germany helped whet traders' buying appetites. The gauge of investor confidence surged 22.6 points in December to 6.9 -- the first positive reading since May.
"The indicator's rise shows that the financial market experts expect the economic activity to stabilize until early summer 2013," ZEW said in the report.
There were also several reports due out on the U.S. economy.
The U.S. trade deficit rose to $42.2 billion in October from a downwardly-revised $40.3 billion in September as exports hit the lowest level since February and imports hit the lowest level since April 2011. Economists were expecting the deficit to rise to $42.6 billion. The data on trade figure directly into broader measures of economic growth. The bigger the deficit, the more it pulls from gross domestic product.
Another report from the Commerce Department showed wholesale inventories jumping 0.6% in October, a bigger gain than the 0.4% economists expected. Inventory accumulation is generally seen as a sign that companies are expecting to see stronger demand for products.
The Federal Reserve also kicks off its two-day policy setting meeting on the day. Traders will be paying close attention to what the central bank plans to do when Operation Twist ends and any change to the so-called forward guidance on interest rates. On Wednesday, the central bank releases its policy statement and forecasts. Fed Chairman Ben Bernanke is also set to hold a news conference.
In corporate news, HSBC (NYSE:HBC) said it will pay a record $1.9 billion to settle U.S. charges of "inadequate compliance with anti-money laundering and sanctions laws."
The U.S. government sold the remainder of its common stock stake in American International Group (NYSE:AIG). In total, the sale has yielded a profit of $22.7 billion.
The budget fight in Washington, D.C. also remained in focus. The Wall Street Journal reported early Tuesday that progress was made in talks between President Barack Obama and Speaker of the House of Representatives John Boehner.
Energy futures climbed modestly. The benchmark crude contract climbed 27 cents, or 0.27%, to $85.79 a barrel. Wholesale New York Harbor gasoline gained 0.48% to $2.611 a gallon. In metals, gold edged lower by $4.80, or 0.28%, to $1,710 a troy ounce.
Foreign Markets
The Euro Stoxx 50 jumped 1.1% to 2624, the English FTSE 100 gained 0.06% to 5925 and the German DAX rose 0.78% to 7590.
In Asia, the Japanese Nikkei 225 slipped 0.09% to 9525 and the Chinese Hang Seng ticked up by 0.21% to 22324.


text: http://bugs.winehq.org/show_bug.cgi?id=16545 Austin English <austinenglish at gmail.com> changed: What |Removed |Added ---------------------------------------------------------------------------- Status|UNCONFIRMED |RESOLVED Resolution| |ABANDONED --- Comment #4 from Austin English <austinenglish at gmail.com> 2010-06-04 15:45:45 --- No response in over 11 months, marking abandoned. If this is still an issue in current (1.2-rc2 or newer) wine, and you can provide the needed information, feel free to reopen. -- Configure bugmail: http://bugs.winehq.org/userprefs.cgi?tab=email Do not reply to this email, post in Bugzilla using the above URL to reply. ------- You are receiving this mail because: ------- You are watching all bug changes.


text:
PreEmptive Solutions has announced that its Runtime Intelligence Service can now publish application and feature use statistics for CodePlex, Microsoft's open source hosting service. Developers can use Runtime Intelligence to improve user experience, validate usage assumptions, and improve the overall quality of their applications. Potential users of these applications can use Runtime Intelligence to better identify which applications are being used most often and even what features are most popular.
With the release of the latest version of the CodePlex site on May 6, 2010, developers can inject application monitoring technology into their applications using Dotfuscator (either the Community Edition included with Microsoft Visual Studio 2010 or the commercial edition licensed by PreEmptive). The instrumented applications stream usage data to PreEmptive Solutions Runtime Intelligence Portal where it is then integrated into, and published by, the CodePlex website.
"Developers always want reliable data on how their applications are performing in the wild," said Microsoft's Jonathan Wanagel. "The truly unique dimension that publishing this kind of information to an open-source community brings is that now potential users will have the same degree of visibility and that will help to drive adoption of quality open-source applications."
Dotfuscator injects all of this functionality into compiled assemblies and that means that both existing and future projects can take advantage of this service immediately. In fact, within the first 48 hours that this service was available, nine distinct development projects updated and distributed their applications and are already publishing runtime intelligence data for all to see.


text:
The opening of a new graduate program in architecture at Rochester Institute of Technology had been eagerly anticipated in the design community.
The university has created a powerful new force for change and sown a seed that should yield major benefits for Rochester. The new program's vision for becoming nationally ranked is particularly compelling, and recent trends would indicate RIT is uniquely positioned to achieve this.
It is RIT's intention to create a world-class program, one that will compete with Harvard and Yale universities for emerging talent. In its pursuit of top-10 national recognition, RIT is sure to attract the kind of valuable and creative people who can strengthen our community in a big way. Rochester has a powerful tradition of creativity and innovation. Our area has been home to a long list of world-renowned artists, inventors and innovators. Now more than ever, it is important that we continue to promote this spirit as one of our defining characteristics.
Shifting trends in architectural education indicate just how quickly RIT's new program may develop a following.
Each year, in association with its "Best Schools" survey, the architectural profession ranks graduate schools of architecture in the U.S. While this year's top schools included familiar names such as Harvard, Yale, Massachusetts Institute of Technology and Columbia University, the top-ranked school was a bold newcomer to the party.
Astonishingly, University of Michigan's Taubman College of Architecture and Urban Planning surpassed Harvard for the No. 1 position this year, without even making the top 20 last year. Suddenly emerging at the top seems an unlikely story for Michigan, but the academic strategy that caused this leap bodes well for RIT's new school.
At Michigan, a dramatic shift in approach to architecture education led to a substantial reformulation of the program, which had remained virtually unchanged for more than a century. The primary goal was to create a program that more realistically paralleled contemporary professional practice. Studio work was integrated into other required courses while more focused areas of study (history, structures, urban planning) were integrated into the design studios. The resulting program was found to be compelling and highly valued by students, practitioners and academics alike.
This kind of integrated approach is exactly what RIT's new program is based on. The curriculum differs from most existing graduate programs in that it is application-oriented rather than theory-oriented. This approach, combined with a foundational emphasis on sustainability, may allow the new program to gain quick recognition.
A collaboration between RIT's Golisano Institute for Sustainability and the College of Imaging Arts and Sciences, the three-year Master of Architecture curriculum focuses on the study of sustainability, urbanism and integrated practice.
Dennis Andrejko, national vice president of the American Institute of Architects and former SUNY Buffalo faculty member, was named program chairman in July. He has been working tirelessly since his appointment to see the program launched in an energetic way. Andrejko is known for his focus on sustainability in architecture and energy-conscious design. He describes RIT's master's program as one that weaves together these areas of study into a strong educational backdrop of support for professional practice. Academic programs at other schools, particularly at the graduate level, have tended to favor formal exercises that lack a sense of reality. Andrejko's vision for sustainability is one fully infused with professional practice and everyday decision-making.
RIT administrators and faculty worked with the American Institute of Architects' Rochester chapter over several years to develop the program. Accordingly, it will have a decidedly regional emphasis, using our area, particularly its urban core, as a laboratory. To the architectural community it is certain to be a boon for recruiting rising young talent. It is also expected to energize design dialogue in a way only a disciplined academic endeavor can.
The program is founded upon the principle that architecture programs can no longer afford to teach anything other than sustainable architecture. As other schools retool their programs in response to this demand, RIT has adopted it as the foundation.
RIT has a proven track record in the areas of engineering, design and sustainability, and it is likely that people earning degrees from this new architecture program will be effective right out of the gate. RIT may be in the right place and time to present a compelling educational alternative for those seeking a top-level professional degree.
So what might this mean for Rochester? I can think of a few things, for starters:
- Bright young talent drawn from around the country-and beyond-to study the profession in a new way. Some graduates may choose to stay or might return later to enrich our community.
- Research on cutting-edge construction materials and methods that may be applied to sustainable construction, disaster relief or other areas.
- Leadership in integrating design thought with practical urban planning knowledge.
- An outlet for our region's talented professionals to teach and learn.
- Collaborations with our wealth of world-class artists.
Establishment of a think tank led by the program but including local architects, construction professionals, developers and other community stakeholders. This may provide a forum for addressing compelling issues of the day.
While based at RIT, the architecture program intends to make a major commitment to community outreach. Rochester has a remarkably well-preserved building stock in its urban core. Andrejko envisions using this for real-life lessons employing the know-how of local developers, business leaders and construction professionals. Toward this end, he envisions opening a "storefront" in downtown Rochester that can act as a home base for RIT's integrated approach to education.
I, for one, very much look forward to the ribbon cutting.
Jim Durfee is vice president and design principal at Bergmann Associates. An architect and past president of American Institute of Architects-Rochester, he can be reached at (585) 232-5135 or at firstname.lastname@example.com.
9/16/11 (c) 2011 Rochester Business Journal. To obtain permission to reprint this article, call 585-546-8303 or e-mail firstname.lastname@example.com.


text:
Jump to navigation Jump to search
Scope of article[edit]
This article combines quotes about both C and C++, as did the section from the Programming languages article from which it was forked.[1] This could probably be made clearer in the article's title and introduction. ~ Ningauble (talk) 15:49, 18 August 2013 (UTC)
- What you see is all you get.
- I invented the term Object-Oriented, and I can tell you I did not have C++ in mind.
- Alan Kay; cited in: Lubos Lunak (2006) "[blogs.kde.org/2006/08/30/why-c-sucks-part-5632 Why C++ sucks, part 5632]." blogs.kde.org. 30 August 2006. (no original source mentioned in the blog, so the source could have been Wikiquote itself.)
- There are only two things wrong with C++: The initial concept and the implementation.
- Fifty years of programming language research, and we end up with C++?
- The evolution of languages: FORTRAN is a non-typed language. C is a weakly typed language. Ada is a strongly typed language. C++ is a strongly hyped language.
- C provides a programmer with more than enough rope to hang himself. C++ provides a firing squad, blindfold and last cigarette.
- dandelion in talk.origins (see here)


text:
by Hugh Gilmore
Well-meaning people have begun asking me lately, "How's your book doing?" I'd like to say, "Swell!" But that's not quite right. Or, "Lousy!" But that's not accurate either. "Okay" sounds like I don't care.
I do care, enough to tell you what it's like to "independently publish" a book nowadays. "Independently publish" is a relatively new way of saying "self-publish," an old term usually said disrespectfully. Implying: "Loser-who-couldn't-get-a-
That's not true and never was. But so what? Today, for relatively little money, new printing technology makes it possible for anyone with a script, long essay, novel, memoir, short story collection, book of recipes, or collection of graffiti photos – in short, anything to say – to be published.
If you know how to format a document you can turn it into a Kindle e-book and have it available for sale two days later (an hour to register and upload, then a 24-hour waiting period). If you get the Local on Wednesday, read this article, and decide to try it, you can have a Kindle e-book on line, for sale, by Friday. If you do not know how to format a document, you can easily find a company that will for about $60.
But suppose you want a "real" book. If a paperback original will satisfy you, you can sign up with a P.O.D.( Print On Demand) publisher. Such companies retain a master digital file of your work, and do not print any copies until they are sold. Not warehousing saves money, overruns, etc.
I chose CreateSpace, a printing arm of Amazon.com. Each layer of help I needed cost me more money, but I did indeed get what I paid for.
I paid $310 altogether. For that I received an ISBN number for my book under my own imprint (an "imprint" is the name of your press – I chose "StarSounds Press/Chestnut Hill" in memory of my son, Colin, and because the default imprint is "Amazon" – which sounds generic and tips people off that the book is "self-published"). I also received the right to design my own cover, using their user-friendly templates. I wrote my own jacket copy. I was allowed to chose the layout of my text.
You can tinker with your cover design for quite a while during the process of getting the rest of the book shaped up. Once you submit your text, however, the process begins to tighten up. Within a few days after submission, your book will come back to you as an electronic proof. That is, for the non-techie: you'll be emailed a digital copy of your book.
You'll then download a form on which you'll note all corrections you want – typos, repeated words, stupid phrases, etc., plus any mistakes the publisher made – dropped titles, failing to start a new chapter on a new page, and so on.
Just as you start this task, you are at a very interesting point in the process, indeed, at a very interesting point in time, in fact, at a very interesting point in the history of the expanding universe, and, of course, at a fascinating point in human history … because The Question now arises: When does it have to be done? For the answer, lift your head up and look around you.
Aha! You shouldn't have done that. You should have kept your nose down and kept grinding away. Because the answer to the question, When does it have to be done? Is: Never!
Never, never, never. The universe is not waiting. Human history marches on. You've already paid for the full monty. But if you walk away, nothing will happen. Only one living person cares if you go on. You.
Don't feel bad. Put your head back down. Finish the form. Why waste the money you spent? This will be fun. Go on. Finish the form and send it back to them. Then in about five to seven days the seemingly impossible will happen: the physical proof of your book will arrive. Oh, what a sight! A minor miracle. How satisfying. After all those lonely hours.
You then are supposed to read the physical proof and make sure it looks the way you designed it. Again, get out the stickys and start catching all the mistakes you can't believe you didn't see before. Again, download the Edits form. You are allowed 80 edits. They must be small. You can no longer do big cut-and-pastes (unless you pay more – the original contract called for 80 line edits).
Keep the book. Send the form. About a week later, you'll receive another physical proof. Check that they made your requested corrections. Then read again to see if you need any other edits. You're allowed another 80. You'll need some, believe me. Then send back the form again. (This makes Three Rounds of self-editing you've been entitled to with this contract!).
In about a week they'll tell you you're ready to order. You'll have already set the price after considering sample projections of how much you'd make in royalties at various price points. I chose $14.95, a much higher price than I wanted. I make a $3.40 cent profit on copies sold through Amazon, but only about $1 for copies sold through Barnes & Noble or independent bookstores.
Time from idea to reality: from first phone call to CreateSpace, to purchasing the first copy of my paperback book from Amazon.com 53 days.
In review, here's what I got for $310. Designed my book and my cover, received three proofs for editing, created my own imprint with ISBN, set my price and royalty structure, became listed by Amazon, got picked up by a book distributor who will supply independent bookstores with my book.
And on top of that, most wondrously, they provided 24/7 phone contact to answer any and all questions. The "team" members are all young, knowledgeable, encouraging, anxious to be helpful, and seem devoted to the idea of helping you get your book finished.
At times, in a world indifferent to whether I finished my book or not, I'd get off the phone with them and – because this is a long, slow solitary process – feel quite touched. Really touched, in a way that made me have to stop and take a breath before I could go on. The kindness of strangers.
So, it was a good deal all around. But, what happens next? What happens once your book goes up on the Big Amazon Board? Part 2 to follow.
Hugh's new book, "Malcolm's Wine," continues to do well on Amazon.com, in both Kindle and paperback formats. Also available through Barnes & Noble and leading independent bookstores everywhere. See Reviews on Amazon.com.
What $310 buys you in the 'dream-on' market
by Hugh Gilmore


text:
Coral reefs are highly diverse ecosystems vital to the welfare of human populations throughout the tropical area. The immediate threat to coral reefs from climate change is acute; 16% of the world's reef suffered serious damages during the global bleaching event of 1998.
• More than 450 million people live within 60 kilometres of coral reefs, with the majority directly or indirectly deriving food and income from them
• Properly managed coral reefs can yield an average of 15 tonnes of fish and other seafood per square kilometre each year
• Occupying less than one quarter of 1% of the marine environment, coral reefs are home to more than 25% of all known marine fish species
• 32 of the 34 recognised animal Phyla are found on coral reefs compared to 9 Phyla in tropical rainforests
• Average live coral cover on Caribbean reefs has declined to just 8% of the reef today, compared with more than 50% in the 1970s
What needs to be done?
• Help coral reef systems become more resilient to climate change and ocean acidification by reducing additional human pressures (overfishing, sedimentation, destructive fishing practices, mining, unregulated tourism, etc)
• Continue to monitor and respond to coral reef bleaching events, which occur when sea surface temperatures rise above a critical threshold. Immediate management actions can help reefs recover rather than die off.
• Put larger areas of coral reef inside enforced marine protected areas, including no-take zones
• Take meaningful action to reduce carbon dioxide emissions
What is IUCN doing?
• IUCN chairs the Global Coral Reef Monitoring Network, which works to strengthen the scientific understanding of the status and trends of coral reef ecosystems at different places around the world by developing the capacity of regional coral reef scientists to provide rigorous scientific information on reefs in their area. The information is then used to inform policy makers and local communities on how best to protect their reefs.
• IUCN is training rangers and coral managers in selected areas of the Red Sea and Indian Ocean on coral reef management principles, tourism best practice and species identification.
• IUCN is working with the tourism industry to develop Marine Managed Areas in the Maldives and other areas of the Indian Ocean in order to safeguard coral reefs for future generations of tourists to enjoy.


text:
Welcome, Georgie! Glad you could join us. :D Good luck with the volcano that's building up.
Please consider joining a group to meet people and talk about anything that's on your mind, Hang With Friends. You might also like Young Atheist Women, Gay Atheists, Humane Atheists, Medical Atheists, Women Atheists, Female Atheists, and possibly Feminist Atheists.
I also recommend Eco-Logical and Climate Concerns, since the climate is changing so drastically.
After you've searched for topics of interest in "Groups" above and in the "Forums", don't forget to look at recent activity which hides along the right margin of the page all the way at the bottom.
On a personal note, I've developed an animated gif technique, sort of "pull quote marries slideshow". Samples are scattered across various groups, but you can find them easily by going to my twitter account. Each tweet has a link (after the description and before the hashtags) to a visually rich example here at Atheist Nexus. If you like them, please follow me
Hello Georgie
Welcome to this world of rationality and peace, where pure common sense is enough to lead to the open freethinking wisdom of non-believers.
We invite you to join the busy group "ORIGINS: Universe, Astronomy, Life, Earth, Humans, Religion, Gods, Atheism, Evolution, Darwin..." with 700 discussion topics and 3600 members.
Welcome aboard! =) Hope you're doing great today...
© 2019 Atheist Nexus. All rights reserved. Admin: The Nexus Group. Powered by


text:
The University of Maryland Department of Geography generated this global land cover classification collection in 1998. Imagery from the
AVHRR satellites acquired between 1981 and 1994 were analyzed to distinguish fourteen land
cover classes. This product is available at three spatial
scales: 1 degree, 8 kilometer and 1 kilometer pixel resolutions.
Citation Format: Author (Publication Date), Collection Name, Product Name,
Level, Publisher, Publisher Location, Product Coverage Date.
Citation Parameters Example:
Full Example Citation: Hansen, M., R. DeFries, J.R.G. Townshend, and
R. Sohlberg (1998), UMD Global Land Cover Classification, 1 Kilometer,
1.0, Department of Geography, University of Maryland, College Park, Maryland, 1981-1994.
Associated Peer-Reviewed Publication: Hansen, M., R. DeFries, J.R.G. Townshend, and
R. Sohlberg (2000), Global land cover classification at 1km resolution using a decision
tree classifier, International Journal of Remote Sensing. 21: 1331-1365.
University of Maryland; Department of Geography; use is free to all if
acknowledgement is made. UMD holds ultimate copyright.
Source for this data set is the Global Land Cover Facility, www.landcover.org.
GLCF is shutting down its services ... (read more)


text:
Builders & Craftsman
As far as builders and craftsmen are concerned, probably the most important aspect of any construction work wear or builders clothing is that it's tough enough to get the job done whilst being comfortable and practical to wear.
Every item of construction clothing we stock ticks these boxes, and while you can buy garments such as builders work trousers blank, many businesses take advantage of our services to design and create the best printed work wear in the UK.
Choose your garments from the selection on our site and then upload the image, logo or slogan which you want to have featured on them. Whether you opt for embroidered work wear or printed work wear we can handle orders both large and small and produce results which look stunning and will stand the test of time.
Our in house operation enables us to guarantee quality every time as well as cutting down overheads and passing these savings onto our customers. Speed, convenience and quality – logos4polos is really the only place to come for your construction work wear.
7 Items total
- Cool poloCustomise from£6.76
- Uneek Adults Premium FleeceCustomise from£14.62
- Uneek Unisex Classic SweatshirtCustomise from£7.60
- Uneek Classic Unisex Pique Polo ShirtCustomise from£5.20
- Uneek Premium T-ShirtCustomise from£2.57
- Uneek Premium SweatshirtCustomise from£9.69
- Uneek Premium Pique Polo ShirtCustomise from£7.31
7 Items total


text:
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SEO Solutions Ltd. (we) as the provider of the website financer.com is using the Facebook-Pixel to promote our content and services to our visitors on Facebook as well as track the results from these marketing activities. This data is anonymised for us and serves for statistical purposes only. Facebook can connect the data collected from the Facebook Pixel with your Facebook profile (Name, E-mail, etc.) and use this for its own advertising purposes. you can view and control the data Facebook is collecting about your Facebook privacy settings.


text:
Accessibility tools
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European Commission
Brussels, 3 July 2012
Key Information Documents (KIDs) for packaged retail investment products - Frequently asked questions
1. What are Packaged Retail Investment Products (PRIPs)?
PRIPs are at the core of the retail investment market. They cover a range of investment products that are marketed to retail investors which, taken together, make up a market in Europe worth up to €10 trillion. These are the investment products retail investors would typically be offered by their bank when they want to make an investment, e.g. to save for retirement or some other target like buying a house or paying for their children's education.
Although there is no rigid definition of PRIPs and they take a variety of legal forms, they can be distinguished by the broadly comparable functions they perform for retail investors. They typically combine exposures to multiple underlying assets; they are designed to deliver capital accumulation over a medium- to long-term investment period; they entail a degree of investment risk, although some provide capital guarantees; and they are normally marketed directly to retail investors. Broadly speaking, they can be categorised into four groups: investment funds, insurance-based investment products, retail structured securities and structured term deposits.
2. What problems are being addressed?
The retail investment market is a difficult market for consumers to navigate. There is a gulf in understanding between providers and distributors on the one hand and retail investors on the other. This is particularly the case for PRIPs which, while offering considerable benefits for retail investors, are often complicated and opaque. The information that is available to investors can be overly laden with jargon, complex and difficult to use for comparisons between different investment products. There are also conflicts of interest in the sales and advice process which may not result in outcomes that are in the best interests of the investor.
It can be difficult to quantify precisely the impact of these problems on retail investors, although evidence gathered through the consultation process1 indicated that it can be substantial. Consumers were not always fully aware of the scale or nature of the risks they are taking on, or they purchase investments which are not well-suited to their needs, or which represent poor value for money. These problems can lead not only to financial losses for the investor, but, when taken together, a wider loss of confidence in the retail investment markets. The problems have implications for the efficiency of the market and the ability of retail investors to make appropriate use of their savings.
3. What are Key Information Documents (KIDs) and what will they include?
KIDs are short, plainly-worded documents – no more than a few pages long – that will provide investors with answers to the key questions they have about the features, risks, and costs of investment products.
They are designed for the retail investor rather than the professional. They will help the retail investor make a more informed decision on whether an investment is right for them.
So the investor can better compare investment products, every KID will follow the same structure. They will answer a standard set of questions, such as: What is the investment? Can I lose money? What are the risks and what might I get back? What are the costs?
Information that is vital for comparing different investments – on how risky the investment is, on whether it has guarantees and what these are, on the costs of the investment – will be carefully selected and presented so as to make comparisons as easy and as accurate as possible.
4. Why do we need KIDs?
A very wide range of investment products are sold to EU consumers. However, these investment products are often complex, and information about them is written in a very technical way or presented so it is difficult to compare different investments. Because of this, consumers can fail to properly appreciate the risks, costs or features of products. The financial crisis has underlined the impact of this: retail investors lost on investments, sometimes in a personally devastating fashion, where the possibility of these losses was not understood beforehand. Investments believed to be safe were not always as safe as they appeared.
This has undermined consumers' trust in financial services. A recent consumer market monitoring survey from 20112 showed low levels of consumer confidence specifically in financial services – which scored lowest for services - and this lack of confidence itself undermines sound and effective investment and growth in the EU. Clear and transparent information is a vital foundation for sound markets, a necessary building block, which can also be a foundation for empowering consumers themselves.
5. Why is the EU taking action on KIDs rather than leaving the issue to the Member States?
The EU has a unique vantage point for creating a consistent approach – something that is crucial for comparisons across products, including where these are sold across the EU and not only in one Member State.
This proposal from the Commission is an effective and proportionate way to ensure consumers can rely on strong rules for different products throughout Europe and across all industry sectors. Consumer-friendly documents about investments should always be available that are easy to compare.
6. What investments will the KIDs cover?
All the key investment products are covered. This includes structured products, whatever the underlying legal form these take, insurance-based investments (including unit-linked and 'with-profit' products), and all kinds of funds. These products carry particular risks for the investor or are more complex to understand and compare. To allow for comparisons, KIDs will also be required for products that have guarantees, for instance for the invested capital, as long as the returns on the investment vary (are 'at risk').
Some of these investments might be used for private pensions. KIDs will be needed for these too so consumers can compare them. However, a KID has only to be produced when the products are to be sold to retail investors: this is not a document for professional investors. However, the proposal does not apply to occupational pension schemes or to pension products for which the employer is required by law to contribute financially and where the employee has no choice as to the pension provider.
7. Why are some direct investments or simple savings not covered?
For direct investments, the investor is buying assets such as shares in companies themselves. In this case, banks, insurers and fund managers are not 'packaging' the investment into a 'shrink-wrapped' product to be marketed and sold to retail investors as a convenient way of investing.
This packaging of investments raises costs and complexity and makes investments more difficult to compare. All these aspects warrant stronger investor protection and transparency measures for packaged investments compared with direct investments. The Commission's impact assessment work3 also suggests that packaged investments make up the important core of the retail investment market in the EU, so focusing on these to begin with makes good sense.
Simple savings products are not covered because these are easier to compare and understand; the saver generally only has to consider different interest rates. In general, the information needed to compare these differs from that needed for the products covered by the KID.
8. Does the Commission plan on expanding the type of investment products covered by KIDs?
Once the KID has been established for packaged investment products, it should be reviewed to see whether the scope of the document can be practically extended to cover a wider range of investment products. Assessing whether to extend the scope of the KID also depends on future innovation in the financial markets.
9. What about other disclosures that investment product manufacturers or distributors might be required to produce or provide?
The KID is a new concept that is innovative. It places a new emphasis on keeping information short and focused on the key features of the products. For this reason it has been designed to stand on its own. In the future, we will assess whether other disclosures produced under different regulations – which can provide more detailed information than in the KID, or information for other purposes – should be amended or adjusted in the light of the development of the KID.
Additionally, proposals on how investment products are sold are being examined separately, through the revision of the Insurance Mediation Directive (see MEMO/12/516) and of the Markets in Financial Instruments Directive (see IP/11/1219 and MEMO/11/716).
10. How are UCITS (Undertakings for Collective Investment in Transferable Securities) funds being treated?
A similar document to the KID has only just been introduced for UCITS – the key investor information document. UCITS however also fall within the scope of the KID proposals.
To allow the key investor information document for UCITS to flourish, we propose that UCITS are exempt from the new requirements for a transitional period of five years. The ultimate aim is however for all investment products to be accompanied by KIDs, and that the documents for all investments products are as comparable as possible. Possible refinements to the UCITS key investor information document will therefore be considered in light of the end of this transitional period.
11. Why are the proposals not exactly the same as the key investor information documents for UCITS?
The UCITS key investor information documents are designed for UCITS. For this reason they contain information that is not relevant for some of the other investments being sold in Europe; and, in some cases other investments have features not found in UCITS – such as insurance benefits, or fixed investment terms. The kinds of risks the products have can also be different.
For these reasons the KID cannot completely follow the UCITS model.
However, key information – for instance on costs, risks and performance amongst others – need to be made as comparable as possible. To take this into account, it is proposed that the KID includes risk information including a risk indicator that can be directly compared with that for UCITS, and information on costs that shows the real costs of different products so they can be compared in a neutral and objective way.
12. Who will have to produce the KID?
Because investment product manufacturers know their investment products best and are responsible for creating them, we propose that they should be responsible for producing the KID. They may delegate production but would remain ultimately responsible for the document.
13. Who will have to provide the KID to investors and when?
The proposals require that whoever is selling an investment to a retail investor is responsible for giving the document to them. This would often not be the investment product manufacturer themselves, but an intermediary.
The KID is designed to help retail investors make an investment decision; for this reason it is vital they are given it while they are weighing their investment options, before they make a decision.
14. Why do you cover private pensions? Are these not very different from investments? Does the proposal not take too much of a 'one size fits all' approach?
Investments made for the purposes of a private pension are often the same or extremely similar to other kinds of investments, so it is important to be able to compare them.
There are some features of private pensions that are different however. For this reason our proposal is to include specific information for these products, e.g. on what to expect as a possible pension when you retire.
In general, the proposal is for a high degree of standardisation of KIDs, but the goal is not to impose a 'one size fits all' approach. Differences between products need to be reflected too. For this reason, the proposal allows for implementing measures to clarify how differences can be handled, and for some flexibility so that KIDs can be produced for all the different products that are within its scope.
15. What are the costs of KIDs?
Our proposal was developed after an extensive consultation period and is supported by a robust impact assessment of different options, supported by studies designed to show what kind of approach might be most effective for retail investors4. This work showed that simplifying and standardising information is vital for investors, since it would encourage them to use documents and to understand and compare different investment products. These findings have therefore been central to the approach developed.
Evidence from the introduction of the key investor information document for UCITS can be used for a best estimate for the retail investment market as a whole – Commission impact assessment work suggests possible one-off costs of around €171 million, and ongoing costs of around €14 million per year.5 Given that new products have typically dominated sales to retail investors, costs would likely be absorbed relatively quickly as the new regime settled in. Consistency in approaches between industry sectors and national markets would also potentially reduce costs over time.
The impact assessment shows that the benefits of bringing in the KID will outweigh the costs over the longer term. Clearer, simpler, and more comparable information about products will be a strong basis on which to develop better investor confidence, trust in financial services, and sounder investment decisions. Greater trust will also contribute to more effective capital markets in the EU – markets capable of driving stable, long-term growth in the real economy.
Consistency in requirements between different industry sectors and different Member States will also help competition and the growth of the single market.
16. When will the KID be in place?
The Commission's proposal will now go to the European Parliament and the Council for their consideration under the codecision procedure. Once they reach agreement, detailed work would be done by the Commission with the input of experts, consumers and stakeholders on the implementing measures. The full proposal could be expected to be in place by the end of 2014.
17. Are there any examples of the problems the KID will tackle?
The Commission's consultation and impact assessment work have identified many examples of the problems faced by investors. For example, the Ombudsman in one Member State recently found 12-year subordinated notes being sold to the very elderly. Risks of exiting these investments were not fully explained. In another example, a study for a consumer affairs ministry in one Member State suggested that up to 50-80% of consumers could be terminating long-term investments prematurely, indicating investments were made that were not suited to their investment or savings needs. On an EU-wide level, a mystery shopping exercise by the Commission indicated that up to 60% of sales of investments could be considered unsuitable or not in the best interest of the consumer.6 The quality and neutrality of advice is part of addressing these problems, but so is improved transparency about the investments themselves. Better disclosures about the features, risks and costs of products through the KID are vital. Consumers have themselves called precisely for better, more standardised information, seeing lack of comparability as a key barrier to more informed shopping for investments.7
See the impact assessment on http://ec.europa.eu/internal_market/finservices-retail/investment_products_en.htm, p. 44.
European Commission, 2009 - Commission staff working document: on the follow up in retail financial services to the consumer market scoreboard. http://ec.europa.eu/consumers/rights/docs/swd_retail_fin_services_en.pdf, p.5.
Side Bar


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Democrats blame Republicans and Republicans blame Democrats. President Obama blames Congress and the Congress blames the President. They all blame each other for the woes of our beloved country, yet they all have contributed to and are directly responsible for the burgeoning debt and loss of meaningful jobs that will rob our children and grandchildren of achieving The American Dream. Once in office, the politicians' only concern is what must I do to get re-elected! Statesmen, who do the right thing for the sake of country, are non-existent.
Approximately 40,000 Americans die from automobile accidents yearly. Most are caused by driver error of some sort. The headline reads, 25 car wrecks on the Interstate due to fog. Blaming the fog? We all know what happened. Drivers driving too fast for the road conditions caused this pile-up.
The recent terrible massacre of children in Connecticut, perpetrated by a deranged coward, has placed the blame of the gun. Had this shooter chosen to steal a Jeep and driven it into a school yard full of children and mowed down dozens of them, would we be blaming Jeeps? I think not!
The State of New York has just banned some rifles and has imposed a background check for purchases of ammunition. This new law does nothing to address the tragic event that occurred in Connecticut. The shooter in Connecticut stole a rifle and killed its owner, before his cowardly attack on children. New York is punishing lawful owners of firearms, in an incremental attempt to rid the state of firearms. The people on New York would have been better served if their legislators had banned violent video games and movies that are watched and played by children today. But, action of that nature would have dealt a serious blow to political campaign contributions from Hollywood.
So, the Blame Game will continue as long as individuals are blind sighted, short sighted and narrow minded, with an agenda.


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The vast majority of cropland in the Mid-South is planted to transgenic varieties. And while the bottom-line advantages can't always be proven, there are other reasons for the technology's rapid adoption.
"The profitability of Bt cotton on a specific farm in a given year is an absolute function of the infestation level of the tobacco budworm and, to a lesser extent, the cotton bollworm," says Fred Cooke, an agricultural economist at Delta Research and Extension Center in Stoneville, Miss.
An on-farm study conducted from 1997 to 2000 and involving 54 Mississippi farms revealed no significant difference — averaged over the four years — in the costs and yields of a Bt cotton insect system and a conventional system. The Bt system averaged 872 pounds with insecticide costs of $88.08 per acre. The non-Bt system averaged 881 pounds at a cost of $90.73, according to Steve Martin, agricultural economist at Delta Research and Extension Center in Stoneville, Miss.
A similar study conducted in Arkansas by agricultural economist Kelly Bryant also found a break-even situation overall in the cost of Bt versus conventional cotton.
Biotechnology adoption rates continue to increase for several reasons, says Martin, including the convenience of the biotech systems and the available varieties. "Bankers, especially in marginal cash-flow situations, may prefer transgenic varieties for risk management reasons. Those insurance and risk reduction factors are difficult to measure economically," he says. "Increased competition hopefully will bring down the cost of transgenic crops."
The economics of transgenic varieties, Martin says, depend, for the most part, on pest pressure. "If you look at it strictly from a budget standpoint, it's a break-even situation. But, the transgenic systems may provide more intangible benefits that are valuable to growers," he says.
Although consumers think of corn more than soybeans as a food item, the bigger issue with biotech crops may be consumer acceptance. "Remember — cotton is something we put on the outside of our bodies, not in our mouths," Martin says.
Transgenic crops are nothing more than an excellent risk management tool, says Roger Carter of Agricultural Management Services in Clayton, La. It's difficult to compare the costs of transgenic and conventional cotton varieties because of variables such as yield, loan value, labor and other expenses, he says.
"We know — but we can't prove — that there has been a yield and quality drag with transgenics, but I believe that will be overcome in the future," he says. "Transgenic varieties are a good tool, but it's a tool that can be mismanaged."
Boosts soy production
The introduction in 1996 of biotechnology in the United States spurred a "huge amount" of soybean production, says Jerry Slocum, a Tate County, Miss., soybean grower and member of the United Soybean Board.
Biotechnology lowered the cost of inputs by decreasing labor and the time needed to control weeds in soybeans, he says. "Roundup Ready soybeans have been a primary factor in America's increase of no-till soybean acres since 1996. As a result of the large amount of U.S. soybean acres in no-till during 2002, the drought caused a smaller reduction in total production than previous U.S. droughts of the same severity."
An Argentine professor of plant biotechnology reports his country has decreased pesticide use by one-third and doubled production since the adoption of Roundup Ready technology.
Biotechnology, he believes, enhances the quality of the crops marketed and creates future opportunities for new value-added crops.
Slocum plants all Roundup Ready soybeans on his farm. "In our Delta soils, Roundup Ready technology lets us get into the field and plant in a more timely manner. We've adopted Roundup Ready technology because it makes sense for our operation," he says. "The real economics of agriculture include the price for which you can sell your commodity, and whether you can sell it at all. The cost of growing a crop doesn't matter if you can't sell it."
Soybeans cannot be kept segregated, says Slocum, so the industry took a proactive role in educating the public and guaranteeing future markets. The overseas biotechnology communications effort costs about $1 million per year and covers all biotech crops. The results have been impressive with three years of record soybean exports and 2003 currently running at a record pace.
Other crops are also reaping the benefits of the soybean industry's educational efforts. For example, the industry has showcased the reduction in pesticide use with Bt cotton and the quality improvement due to less damage in Bt corn.
Commodity groups can't do it all, though. "Companies must be responsible in their development of transgenic crops," says Slocum. "They should insure that only approved varieties are released to the marketplace, which has been the case with soybeans but not with corn."
A failure to heed that caution, he says, resulted in a decrease in corn exports, losing the European Union market and reducing marketing in places like Japan and South Korea. Taiwan now is buying Chinese corn, he adds. "Some of these market problems are because of cost, but a lot of it is due to non-approved varieties. Growers are so production-oriented that we'll give it a try sometime even to our detriment."
The biotechnology industry is continuing to move forward in the farm commodities arena, says John Anderson of Monsanto. The benefits of biotech crops, he says, include increased yields, lower operating costs, enhanced water conservation, reduced soil erosion and decreased pesticide spraying. In addition, biotechnology has enabled growers to adopt conservation tillage at a faster rate. "The value is in the time you save by using this technology. That's why people adopt biotechnology. It creates values that may never show up in a budget analysis," says Anderson.
Adds Carter, "Transgenics are here to stay, so we might as well get used to it and learn to work around it. But until the price of cotton goes up, it'll be difficult no matter which production system you choose. The bottom line is that we've got to pick, gin, sell and deliver a profitable crop."
e-mail: firstname.lastname@example.com.


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No Title - 695212
DJCT Center of Excellence Program
Starting in the Fall 2014 season, DJCT is adding a new training location that will serve as the club's Center of Excellence for the very top players/teams. DJCT has formed an affiliation with Regents School of Austin (Regents), where DJCT will use the school's facilities for training for SCL (State Classic League) and top Division 1-level teams (typically the top boys & girls team in an age group). This central-based location will allow the top players from around the Austin metro area to train at a first-class facility and group the very best players from all the DJCT locations to further enhance their development. At tryouts in May 2014, the top DJCT teams will be identified for Center of Excellence training and those teams will begin training at Regents in August 2014. Lower Division 1, Super-2, Division 2 & Jr. Academy teams will continue training at our other three locations for the Fall 2014 season (South-Dripping Springs, West-Lakeway, & Riverplace/Steiner Ranch). For more information on Regents, you can visit their website at www.regents-austin.com/.


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At the beginning of every year, the IGN editors sit down, look over the publishers' projected release lists and argue over our list of the most anticipated games of the upcoming 12 months. Then the year actually kicks off, and everything changes. Delays happen, new games are announced and the Electronic Entertainment Expo shakes everything up.
So now that E3 is behind us and fall is fast approaching (it'll be here sooner that you think), we thought we'd take another look at how the rest of the gaming year is shaping up. We scoped out the list of upcoming games with solid release dates and narrowed it down to the hottest 25. Then we got together and had an old-fashioned vote-off. Here at IGN, we have a big group of editors with a wide range of tastes in genres, platforms and expectations. Here are their 25 most anticipated games of the second half of 2010.
25. 56365.html" >NBA Jam
Craig Harris: NBA Jam is going back to the original arcade game, taking what worked and why it was fun, and then applying all these new school techniques to it.
Greg Miller: Who didn't love the original NBA Jam? I played as Bill Clinton all night long. I hope I can be Obama in this new one.
Hilary Goldstein: NBA Jam feels and sounds exactly like the old game. It's as close to replicating a classic as you can get.
Hil: FIFA 10 was one of the greatest sports games of all time and 11 looks like it's taking it up a notch. The online is perfectly integrated into the single-player game. They're adding a ton of new custom moves that are specific to players so now it's gonna feel even more like the real players.
Nate Ahearn: This is the sequel to our 2009 Sports Game of the Year and is the best sports game in EA's current lineup.
Arthur Gies: This feels like a Genesis Sonic game and there are a lot of people who really want that. SEGA is doing a pretty good job of picking up the torch from Sonic 2 and moving forward.
Hilary Goldstein: Sonic the Hedgehog on Genesis is one of my favorite games of all time and it's great to see SEGA finally get it – it's time to stop with all this 3D Sonic crap and go back to 2D platforming. I think people are going to love it.
22. Prof. Layton & the Unwound Future
Dana Jongewaard: I love the Professor Layton games and this one is going to be just like the other two. Can't wait to play it again.
21. GoldenEye Wii
Brian Altano: I anticipate first-person shooters on the Wii. If it doesn't stray too far from the simplicity of what made the first one good I think Goldeneye Wii could work. If they bring back the maps, specifically the Facility, I'll be very excited. I want to sneak into the bathroom stall and kill people again.
Ryan Geddes: We all have great memories of playing Goldeneye with friends. I'm really curious to see how they handle the controls on Wii. Even if it was just a slickly done port of the original game I would still play it, so if they're doing something totally new I'm excited to check it out.


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Samsung has been hyping its Super Bowl XLVI commercial, announcing via Twitter yesterday that it would "launch a device so revolutionary only an ad in America's biggest game can do it justice."
Speculation has centered around the unveiling of the Galaxy S III, or possibly a new tablet that would yet again introduce a Samsung device to challenge the iPad. It was all very mysterious, and Samsung had many of us captivated by the lure of a new something. This was all heightened by the fact that the company is paying for prime Super Bowl ad time: 90 seconds during the fourth quarter. That comes with a $6+ million price tag.
Well, we don't want to dash any dreams out there, but prepare to be disappointed. Samsung will be "unveiling" it's new Galaxy Note – you know, the handheld tablet-stylus combo that we've known about for quite some time. Here's the press release announcing the ad's details.
Samsung's overselling here a bit. Not only is this not actually a new product (it's been available in the U.K., Germany, France, Taiwan, Hong Kong, and elsewhere for awhile), we wouldn't necessarily call it a "revolutionary" one. Sure, it sits somewhere between a tablet and a smartphone (which you could argue is an awkward halfway point) and comes with a stylus – which seemingly makes it a really big phone or a really small tablet.
Whatever your take on the Galaxy Note, don't get your hopes up for something actually unheard of this Sunday. And if you're genuinely excited about the new product, preorders start the same day.
Editors' Recommendations
- Samsung's wide range of Galaxy products means there's something for everyone
- Samsung's camera-equipped stylus concept is straight out of a Bond movie
- Yes, Samsung, the foldable phone's exciting, but don't forget about the Galaxy S10
- Foldable phone wars: Huawei's Mate X takes on Samsung's Galaxy Fold
- Everything we saw at Samsung's Galaxy Unpacked 2019 on Feb. 20


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A few myths and misconceptions about digital teaching and learning materials in Africa
Across Africa, a variety of devices are increasingly being used to disseminate and display teaching and learning materials in electronic and digital formats. As costs for such devices continue to fall, and as the devices themselves become more widely available and used across communities, the small pilot, and largely NGO-led, projects that have characterized most efforts to introduce educational technologies in schools across Africa will inevitably be complemented, and in many cases superseded, by large-scale national initiatives of the sorts now taking place in Rwanda and Kenya, where hundreds of thousands of devices are being, or will soon be, distributed to schools.
Few would argue that the use of such devices do not offer great promise and potential to improve the access to and quality of education by providing access to more educational content than is currently available inside and outside of schools. Internet connectivity can provide access to millions of educational materials available on the Internet; low cost, handheld e-reading devices can hold more than a thousand books. Depending on the availability of connectivity, or local resourcefulness in transferring materials to devices manually, digital content used in schools can be updated more regularly than is possible with printed materials. Depending on the device utilized, this content can be presented as 'rich media', with audio, video and animations helping content be displayed in ways that are engaging and interactive. It is possible to track electronically how such content is used, and, depending on the technologies employed, to present content to teachers and learners in personalized ways. In some cases , this content can be delivered at lower costs than those incurred when providing traditional printed materials.
Given the increased availability and diffusion of consumer computing technologies across much of the continent in less than a decade, it is perhaps not surprising that a number of widespread misconceptions about the promise and potential of using digital technologies and devices across Africa to increase access to learning materials appear to have taken hold. On one level, this is consistent with the 'hype cycle' model of technology diffusion in which, according to Gartner, a technology breakthrough is soon followed by a period of time of "inflated expectations" about what sort of changes might be possible as a result.