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|Mario Gazziro, shooting a prototype of his gun (image from Folha de São Paulo)
In the film District 9 the alien "prawns" shoot weapons that work only with alien biology rendering them useless in the hands of humans. It's a somewhat bizarre science fiction film but is apparently the inspiration for the latest research of Mario Gazzira of the Universidade de São Paulo (USP). He has developed a gun which fires only in the hands of its owner thanks to a radio detection feature similar to that used for example on the São Paulo subway system to scan passenger travel passes.
The aim is to reduce accidental and non-accidental deaths by reducing the use of guns by third parties. Here's how it works:
|(image from Folha de São Paulo)
The gun has a built in sensor which enables or disables the gun depending on whether or not te radio identification is successful similar to how turnstiles work on the underground system.
For the process to work the gun owner has to undergo microsurgery, something Mario Gazzira already did approximately one year ago in order to prove the technology works.
Not sure this will significantly reduce gun crime in São Paulo but from a technological point of view it's an interesting invention.


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Master's Degree in
High-quality official study
Legislation requires that official Spanish degree programmes receive a positive assessment from the National Agency for Quality Assessment and Accreditation (ANECA, by its Spanish acronym). This process is known as verification, and it serves to ensure that education programmes are properly designed to provide the competencies and reach the learning goals around which the programmes are built. In the results you can find reports on official study programmes.
The European Higher Education Area requires that there be a system in place to ensure the quality of degree programmes .
The Master's programme is subject to constant assessment and improvement processes that guarantee that it maintains a certain level of prestige and renown in Europe. You can see the results of the assessment processes in the section on quality .
* Additional information about price

subset: commoncrawl


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Here is a smart campaign idea from McDonalds in Poland by DDB Warsaw, which has just won some acclaim at Cannes.
At the Central Station of Warsaw, Poland, McDonalds integrated their menu into the train timetable. The timetable not only showed up-to-date schedule information but also showed how many items from the menu you had time for depending on how long you had to wait for your train. If you were delayed by 20 minutes it showed that you would have time for a cheeseburger and some fries. This is a clever way to capture users attention when they are likely to be waiting around. McDonalds saw an increase of 4,500 extra customers in the first month after installing the new timetable. Thanks Pawel.


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The Painful Puns Persist
Dear Tommy,
I really liked your puns on last week's show on August 25th! Tell Ray you should keep the Daiquiri Doc one!
Here's my humble offering:
There was once a snail that was sick and tired of his reputationfor being so slow. He decided to get some fast wheels to make upthe difference. After shopping around a while, he decided thatthe Datson 240Z was the car to get. So the snail goes to thenearest Datsun dealer and says he wants to buy the 240Z, but hewants it repainted to read 240-S
The dealer asks, "Why?"
The snail replies, "S stands for snail. I want everybody whosees me roaring past to know who's driving."
Well, the dealer doesn't want to lose the unique opportunity tosell a car to a snail, so he agrees to have the car repaintedfor a small fee.
The snail gets his new car and spent the rest of his daysroaring happily down the highway at top speed. And wheneveranyone would see him zooming by they'd say "Wow! Look at that S-car go!"
Keep up the good work!
John Latsha, P.E.
A frog goes into a bank. He waits his turn and hops to the nextopen teller, a one Ms. Wack. He requests a loan. She checks his info and informs him that the bank will require collateral. Hepromptly pulls a small statue from his pocket and places it onthe counter. Upon studying the statue she informs the frog thatthe bank won't accept it. But he is insistent, so she calls overthe bank manager. After Ms. Wack explains the situation,manager immediately replies, "It's a knick-knack Patty Wack, givethe frog a loan."
Hope you enjoy...
The Buckridge family, Anchorage, Alaska
All the employees of Car Talk were standing in the courtyard of Car Talk Plaza singing "Ave Maria" and singing it beautifully. Oddly, each of them was holding an apple in one hand and tapping it rhythmically with a pencil.
A visitor listened in wonderment to the performance and thenapproached the conductor of the choir. "I am a retired choirdirector," he said. "This is one of the best choirs I have everheard."
"Yes, I'm very proud of them," said the conductor.
"You should take them on tour," said the visitor, "what are theycalled?"
"Surely that's obvious," replied the conductor..."they're the Moron Tapanapple Choir."


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|Current Price£62.99
Description: Please Read the following words about the product carefully
Package Contents:
Battery Grip for Nikon D7000 x 1
User Manual x1
EN-EL15 Battery x2
1. Additional shutter release, main dial, AE lock/ FE lock and
AF point selection controls are provided.
2. Dramatically improves stability.
3. Effectively doubles your shooting time.
4. Holds up to 1 lithium batteries packs
Compatible With Nikon Camera Model:
Nikon D7000 Camera
According to your address will have different courier,like DPD,Parcelforce Worldwide,Royal Mail,TNT and so on.shipping need 3-5 working days
1:We only ship to the confirmed address provided by eBay. Before you pay, please make sure your address in eBay matches the address you would like us to ship to.
2:All items will be in a Sturdy carton.Box size may vary for different items;
3:UK Lock Stock,shipping only need 3-5 working days in normal situation;
All payment should be processed within 3 days after the auction or buy-it-now ends if need help please feel free contact us.
Buyer need to send it back within 14 days after receiving the item if asking for a refund;
The postage is not refundable;
All refund will be processed within 3 days of receiving returned items with the original case, manual and other parts coming with;
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PayPal is the only online payment method we accept. Please make sure you have a valid/confirmed PayPal account prior bidding
Please make sure you read all information very clearly before bidding on or purchasing it, or you're welcome to contact me about this;
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The world depends on mariners. Mariners depend on SCI. And we depend on you.
Photos of Genesis Marine employees training at SCI's Houston Center for Maritime Education, taken October 2016.
Photos by David Rider, President & Executive Director
SCI's Center for Maritime Education provides career development opportunities for mariners through cutting-edge training.


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You are here
WASHINGTON D.C. --- U.S. Energy Secretary Steven Chu today announced more than $300 million worth of investments that will boost a range of clean energy technologies - including carbon capture from coal, solar power, and high efficiency cars and trucks. The move reflects the Obama Administration's commitment to a broad based strategy that will create millions of jobs while transforming the way we use and produce energy.
"There's enormous potential for new jobs and reduced carbon pollution just by implementing existing technologies like energy efficiency and wind energy, but we also need to develop transformative new solutions," said Secretary Chu. "As a scientist, I remain optimistic that these breakthroughs are within our reach, and investments like these are an important part of achieving them."
Today's actions include:
High Efficiency Vehicles
Secretary Chu announced today an investment of up to $240 million for the development of high efficiency commercial and passenger vehicles. The funding includes approximately $110 million from the American Recovery and Reinvestment Act, combined with DOE annual appropriations. The funding solicitations are divided into two areas: system level technology development, integration, and demonstration for efficient Class 8 trucks; and advanced technology powertrains for light-duty vehicles. Class 8 trucks are defined as heavy-duty commercial trucks weighing over 33,000 pounds.
The goal of the first area is to increase vehicle freight efficiency by a total of 50% for heavy-duty Class 8 trucks. The projects receiving funding will focus on improving the efficiency of advanced engine technologies and vehicle system technologies, for instance by limiting aerodynamic drag, reducing vehicle weight, and drivetrain hybridization, which uses two types of energy converters rather than just one.
Under the second program area, projects will work to advance the research and development of efficient engine and powertrain systems for passenger vehicles. For gasoline-fueled vehicles, these cost-competitive components will achieve at least a 25 percent fuel economy improvement compared to 2009 reference vehicles, while diesel-fueled vehicles will be able to attain at least a 40 percent improvement.
The complete FOA (number DE-FOA-0000079), can be viewed at www.grants.gov
Solar Energy
Secretary Chu announced the selection of 24 new solar projects to advance photovoltaic (PV) technology research, development, and design - helping to lower the cost of PV generation. The competitively-selected projects will be eligible for up to $22 million from the President's American Recovery and Reinvestment Act and will be matched by more than $50 million in cost shared funding from private partners.
The new projects range from development of automated assembly processes to semiconductor fabrication. They target manufacturing and product cost reduction with the potential to have a near-term impact on a substantial segment of the PV industry.
In addition, Secretary Chu announced today plans to invest up to $27 million to develop the nation's solar installation training infrastructure. DOE will fund this effort using $5 million from the American Recovery and Reinvestment Act as well as $22 million in annual appropriations.
This action by DOE, underscoring the Administration's commitment to creating green jobs, ensures that a trained solar workforce is ready to support significant growth in renewable power generation - including installers, engineers, salespeople, and other workers entering the solar photovoltaic, solar heating, and solar cooling industries.
The funding opportunity includes two types of recipients:
- A single national organization that will facilitate the development and distribution of model training curricula, best practices in training, and information on solar career pathways.
- A select number of regional training providers that will offer solar instructors advanced courses on solar technologies, instructional design, and course development.
Carbon Capture and Storage
As part of the Administration's commitment to develop technologies to reduce carbon dioxide emissions, Secretary Chu announced $11.3 million for nine projects that will develop pre-combustion carbon capture technologies that can reduce CO2 emissions in future coal-based integrated gasification combined cycle (IGCC) power plants.
Today's funding opportunity announcement, "Pre-Combustion Carbon Capture Technologies for Coal-Based Gasification Plants" is from the FY2009 Budget.
Pre-combustion processes convert fuel into a gaseous mixture of hydrogen and CO2. The CO2 is then separated and the hydrogen can be burned without producing any CO2 in the exhaust gas. Compared with post-combustion processes, the pressure and concentration of CO2 in precombustion processes is relatively high - offering the potential to apply novel CO2 capture technologies such as membranes, solvents and sorbents.
Today's announcement is a direct investment in CCS-related infrastructure among electric power and industrial facilities, academic institutions, and other organizations operating across the United States. The nine selected projects encompass three areas: high-temperature, high-pressure membranes; high-efficiency solvents; and solid sorbents.
Media contact(s):
(202) 586-4940


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"And the beat goes on................."
The 8th annual Aspen Institute Ideas Festival - a two week presentation of an impressive array of experts and thinkers begins in late June. Trying to generate new ideas seems to me to always be a good thing. As someone once said: "The way to have a good idea, is to have lots of ideas." The Arts are a constant fixture of the Aspen program and this year the track's theme is "Arts & Culture - Art Matters" - described on the Institute's website as:
Artists and experts consider how the arts make an essential different - not just in the lives of individuals but for society at large, from education, economics, and diplomacy to our national conscience and legacy.Included in the program are presentations on:
- What Theater matters in the digital age - with NEA Chair Rocco Landesman, actor / playwright Anaa Deavere Smith, director / producer Gregory Mosher and Public Theater's Oskar Eustis debating the question.
- How should we be using arts education to help create the successful schools we need? - a discussion with education guru Howard Gardner and Aspen Institute Arts Program Director Damian Woetzel; and
- Can culture revitalize our country - Making Cities Sing - with the Knight Foundation's Dennis Scholl, the Ford Foundation's Darrren Walker and again, NEA Chair Rocco Landesman.
Alas, one would hope that national dialogue and thought would be the result of these kinds of events - leading to, if not new thinking and new ideas, at least new awareness, but, of course, that is nominally Pollyanna optimism not born out by reality. At a time when print journalism struggles simply to survive the onslaught of online media coverage, real penetrating and probing reporting is all but impossible to find. Almost all of what passes for "news" - let alone real investigative reporting and in-depth analysis of issues from a broad perspective - focuses on the most cursory and basest coverage of actual issues (?). Broadcast journalism in particular prefers the easy out of parading the same so-called experts (really partisans of one political side or the other of any given issue whose principal task is obfuscation and spin) and unashamedly tries to pass that "opinion" off as fact and analysis. And even that feeble attempt at "news" virtually never digs deep enough to cover things as "esoteric' as art and culture. Talking heads have replaced thinking journalists. There still exists some remnant of journalism in the print media (in isolated cases), but cost and competition have forced the dismantling of once vaulted news gathering organizations and coverage of issues long ago gave way to sensationalism and gore. So, unfortunately all the Aspen Institute and TED think tanks that do pay attention to what we do usually fail to stimulate any meaningful public discussion that would benefit the country - and one would hope produce tangible benefits for us.
Yet there is still tremendous value to us in being part of these efforts and for our best thinkers to be represented at these tables - because these kinds of events help to shape policy and influence those in academia, government, business, education and elsewhere who make policy decisions -- and so this is good news.
I would love to go and cover this kind of event, but it is obviously slanted towards a crowd with deeper pockets than yours truly (a one week registration fee is something like $2700 - yikes).
But what caught my attention about this event in the first place, and what I would really like to see is for us - the nonprofit arts sector - to convene our own Ideas Festival with the best and the brightest of our own thinkers (and perhaps those from outside our field) to consider new, big ideas (ones we haven't yet developed or refined) that would address the major issues we face. We need to concentrate more on idea generation. A two or three day event that would call forth bold, risky new thinking as to how we could develop policies about our future -- funding, arts education, audiences, creativity, technology, equity of access, and so on. Not just panels and talk, but people who would come up with specific recommendations for concrete action. An event where people rolled up their sleeves and did some work. Where is our TED, our Aspen Institute, our think tank? Where is our focus on new ideas.
Have a good short week.
Don't Quit


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After three seasons as head football coach, Rick Gorzynski is being promoted by Lindenwood University.
Lindenwood is creating a new position—the first of its kind in the United States--and Gorzynski will become the Director of Coaching with Character.
"This program will be the first of its kind in the nation," Gorzynski said. "This fits in perfectly with Lindenwood's position as one of the NAIA's Champions of Character schools. I'm very excited to be in a position where I can teach coaches about connecting with kids and teaching them the values to make them great citizens."
The program will focus on coaching with an emphasis in values, citizenship, morality and integrity.
"Every school teaches coaches about theories and methods," said Gorzynski. "But rarely are you taught about connecting with the student-athletes and helping them become better people on and off the field. I've been coaching for the last 36 years and this is something I've always felt I could do and something I've always wanted to do."
Gorzynski, longtime head coach at Hazelwood East High School, is one of Missouri's most respected and decorated high school coaches. In addition to his new role in teaching young coaches, Gorzynski will still maintain supervision of Lindenwood's football recruiting and retention.
"Rick has helped us bring in high quality, high character young football players," said President Dennis Spellmann. "Even though he is retiring as a football coach, we had to keep him involved in the program somehow. This was the perfect way to do it."
Spellmann said the Coaching with Character position creates "a totally new model for the development of young coaches. Nobody's done this before. We are going to develop young high school coaches with an emphasis on character."
Gorzynksi will teach PE and coaching methods courses, and will work closely with Dr. Emilie Johnson, who directs character education studies at Lindenwood and writes curriculum for those classes.
Spellmann said the university already has begun a national search for a new head coach.
Lindenwood University has won the Director's Cup, given annually to the top collegiate athletic program, for two consecutive years.


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Home > News & Events > Speeches & Testimony
Remarks by Martin Gruenberg, Chairman, Federal Deposit Insurance Corporation to the Exchequer Club, Washington, DC
Good afternoon. I appreciate the invitation to speak here today.
In my remarks I would like to focus on three keys areas of focus for the FDIC. The first is a brief overview of the current state of the banking industry. The second is a discussion of the progress that the FDIC has made on our Community Banking Initiative. The last topic that I intend to address is our work in implementing the new authority provided to the FDIC to resolve systemically important financial institutions, particularly as it relates to the progress being made on international coordination on resolution planning efforts.
Overview of the Banking Industry
We now have seen 10 consecutive quarters of improving credit quality for the industry. Delinquent loans and charge-offs have been steadily coming down now for over two years. Importantly, loan balances for the industry as a whole have now grown for six out of the last seven quarters. In the fourth quarter of last year, loans grew by nearly $120 billion. The largest single category for growth was in commercial and industrial lending, but we also saw increases in consumer loans, farm loans, and even real estate loans. These positive trends have been broadly shared across the industry, among large institutions, mid-size institutions, and community banks. So I think it is fair to say that we continue to see a gradual but steady recovery in the U.S. banking industry that has now been sustained over three years.
The internal indicators for the FDIC also have been moving in a positive direction over this period. We had 51 banks fail in the United States last year, down from 92 failures in 2011 and 157 in 2010. If present trends hold, it is likely that were going to see substantially fewer bank failures this year. The problem bank list at the FDIC institutions that had our lowest supervisory CAMELS ratings of 4 or 5 peaked in March of 2011 at 888 institutions. By the end of last year the number of problem banks had fallen to 651, which marks another substantial improvement.
Meanwhile, the Deposit Insurance Fund, which was more than $20 billion in the red at its low point just three years ago, is now almost $33 billion in the black. By law, the FDIC is required to build up the reserve ratio for the Deposit Insurance Fund to 1.35 percent of insured deposits by 2020. We are now at over 0.4 percent, and we are very much on track to meet this statutory requirement.
Digging out of the aftermath of the financial crisis we went through, followed by the deepest recession since World War II, has been an enormous challenge for the banking industry. The economic recovery, I think it is fair to say, has been slow and modest thus far, with economic growth right around the two percent mark.
Our sense is that if we can maintain even that modest level of growth, the industry will continue to work its way out of the aftermath of this crisis and the ensuing recession. We still have elevated levels of problem loans and problem banks here in the U.S., and more work to do in repairing balance sheets, but we have now sustained a positive direction for an extended period of time. I think the improvement in bank balance sheets points to the real possibility of a more virtuous cycle for the financial system going forward.
We expect to release updated numbers for the first quarter of 2013 at the end of this month.
FDIC Community Banking Initiatives
I would next like to discuss our efforts at the FDIC over the past year or so to focus on the important role of and particular challenges faced by community banks.
Over the past few years, a great deal of attention has been placed on the large, complex financial institutions that really were at the heart of the crisis. But the crisis and the recession have clearly had significant consequences for community banks that are still very much in evidence. As the lead federal supervisor for the majority of community banks in the United States, we at the FDIC felt we had a particular responsibility coming out of the crisis not just to carry out our supervisory responsibilities, but to try to take a careful look at whats happened to community banks in the United States over the longer term and the role they play in our financial system.
Comprehensive research covering the community banking is critical, in my view, to formulating policies that are well-informed as to the particular challenges community banks have faced and the trends that will shape the sector in coming years.
Our Research Division assembled 27 years of banking data and developed a new research definition of the community bank that is based not just on size but on the characteristics that define community banking, namely: traditional relationship lending, reliance on stable core deposit funding, and a focus on a limited geographic community. By these standards, most banks with under $1 billion in assets do indeed qualify as community banks. But we also found another 330 institutions with assets between $1 and $10 billion that also met our community bank definition in 2011.
Our study, our data and our definitions are all available on the FDICs website, and we are already seeing other researchers making use of them and extending this work further in the years ahead. I would like to share with you what I see as some of the most important findings of the study. Community banks made up about 14 percent of U.S. banking assets in 2011, but held 46 percent of all the small loans to businesses and farms made by FDIC-insured institutions. What this tells you is that community banks play a role in our financial system that actually has consequence far beyond their share of total industry assets. By its nature, small business lending is often labor-intensive and highly customized, which is the kind of lending that community banks really are set up to do. By contrast, the very largest institutions are generally are not so interested in such a customized approach, and are looking to provide more standardized products that they can offer on a larger scale.
So its really not at all clear whether U.S. small businesses would have sufficient access to the type of credit they need if there were not a strong community banking sector to fill this critical niche in our financial system. And that has implications not just for the banking system, but for the economy and job creation as a whole
The study also found that of the more than 3,200 counties in the United States, more than 600 of them almost 20 percent of the total have no FDIC-insured banking offices except those operated by community banks. There are literally thousands of communities across the country in rural areas, small towns and urban neighborhoods which would have no access to an FDIC insured bank but for community banks.
So from the standpoint of both filling a critical niche in our financial system and providing access to mainstream financial services in communities all over our country, community banks are in some measure irreplaceable. There is an important public interest from the FDICs perspective in having a strong, vital community banking sector in the U.S. financial system. These initial findings lead naturally to another question that many community bankers have been asking, and that is: What will be the future for community banks in the United States? Will the pressures of competition, particularly from the larger institutions, and the pressures for consolidation be so great that community banks will be unable to continue carrying out their traditional role in our financial system and economy?
These are questions we looked at closely, and I would like to share three basic findings with you. By any measure, we still have a very substantial community banking sector in the United States. Community banks continued to make up around 92 percent of all FDIC-insured institutions as of 2011, up from 87 percent in 1984.
Six out of every seven of these community banks have assets less than $500 million.
Despite the historic challenges they have faced as a result of the recent crisis, the vast majority of community banks came through this crisis in pretty good shape. We have also learned a great deal about business models that proved highly vulnerable to the stresses of the crisis, and those that held up under the stress.
The FDIC Inspector General conducts a material loss review for every failed bank, which it delivers to the FDIC Board and ultimately makes available to the public. When the FDIC Board asked the IG to go back and identify key attributes of institutions that failed during the crisis, his report cited three common factors:
These factors were cited in failing bank cases that came before the FDIC Board throughout the crisis.
Whats striking is that these are not characteristics that generally reflect how community banks in the United States do business. The fact is that most community banks engage in careful, generally conservative, relationship lending; generally rely heavily on stable core deposits; know their customers well; and manage their business very carefully. Thousands of institutions that followed this basic approach came through this episode in reasonably good shape.
As for the post-crisis period, there are those who are suggesting that smaller institutions will not be able to make it, and will be forced to merge in order to achieve economies of scale and remain competitive. Our study didnt find much evidence to support that contention.
Our analysts found that while average costs generally declined as size increased, most of these economies of scale were already realized once the institution reached a size of $100 to $300 million or so, depending on its lending specialty. This finding is consistent with the experience of FDIC bank supervisors in the field, who have found that community banks can be viable at virtually any size so long as they build stable business relationships and stick to their local markets and areas of lending expertise.
None of this is meant to deny that fact that the industry has experienced enormous consolidation over the past 25 years, and that consolidation will likely continue in the future. But it is also important to look at the forces that drove this historic consolidation, and ask how important they might be going forward. Around half of the institutions that left the industry during the study period did so via voluntary mergers. The other half were almost entirely made up of failures and intra-company consolidations within existing holding companies.
To the extent that most of the failures took place during the two major banking crises of the past 27 years, it is clear that safe and sound banking will be essential to limiting the future pace of industry consolidation. In addition, it seems clear that the wave of voluntary combinations that drove consolidation over the past 25 years was related in significant measure to the relaxation of restrictions on intrastate branching and interstate banking that took place before 1995. Before that time, unit banking laws in some states and restrictions on the ability to branch across state lines resulted in an artificially high number of bank charters, which were in many cases essentially run as branches within the holding company structure.
With the elimination of branching restrictions in the 1980s and early 1990s, and with the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994, consolidation of banking charters was sure to take place. And it did. Between 1984 and 2011, the total number of federally-insured bank and thrift charters declined by 59 percent. But the thing to keep in mind is that the one-time statutory changes that spurred a significant portion of that consolidation are now well behind us. Most of the consolidation that will result from those changes has already taken place.
It seems to me that if we could manage to run our financial system over the next 20 years so that we have fewer crises and fewer failures, the pace of consolidation over the coming decade or two may not be nearly as fast as weve seen over the past 20 years, particularly in the community bank model. And we think that the basic business model that community banks adhere to remains not only viable but also quite critical to the functioning of the banking system in the United States.
Supervisory Initiatives
This research effort is really only part of our effort to better understand the community banking sector and address issues of concern to community bankers.
We have had an ongoing dialogue with the FDIC Community Bank Advisory Committee, and conducted roundtable discussions with community bankers in each of the FDICs six supervisory regions across the country. We undertook an Examination and Rulemaking Review with the goal of identifying ways to make the supervisory process more efficient, consistent, and transparent. We initiated a Regulatory Calendar on the FDIC website to alert stakeholders to critical information as well as comment and compliance deadlines relating to changes in federal banking laws and regulations. The Calendar includes notices of proposed, interim and final rulemakings, as well as guidance affecting insured financial institutions.
In response to concerns about pre- and post-examination processes, FDIC supervisors developed a web-based tool that generates a pre-examination document and information request tailored to a specific institutions operations and business lines. Were also improving how information is shared electronically between bankers and examiners.
Supervisory staff conducted outreach sessions during the year to provide technical training and opportunities for discussion on subjects of interest to community bankers. One example is the Director and Banker Colleges hosted in each region. These Colleges are held in conjunction with state trade associations, and address topics of critical interest to community bankers.
With these specific steps comes a wide range of other initiatives to achieve more effective two-way communication between supervisors and the industry, which is really the foundation of effective and efficient supervision.
In April, the FDIC released the first in a series of technical assistance videos to provide useful information to bank directors, officers, and employees on areas of supervisory focus and proposed regulatory changes. This first installment was designed to provide new bank directors with information to prepare them for their important fiduciary role. Three of the videos address the roles and responsibilities of a director and the other three videos provide information about the FDIC's Risk Management and Compliance Examination processes.
A second installment, to be released by June 30, 2013, is a virtual version of the FDIC's Directors' College Program that regional offices deliver throughout the year. The initial curriculum will consist of six modules covering interest rate risk, third party relationships, corporate governance, the Community Reinvestment Act, information technology, and the Bank Secrecy Act.
A third installment, to be released by year-end, will provide virtual technical training for bank officers and employees. These videos will provide more in-depth coverage of important supervisory topics and focus on management's responsibilities. The training program will include Fair Lending, appraisals and evaluations, interest rate risk, troubled debt restructurings, the allowance for loan and lease losses, evaluation of municipal securities, and flood insurance.
For complex rulemakings, the FDIC will continue to provide overviews and instruction in a variety of formats, including videos. These will be modeled on videos that the FDIC recently released on the capital rulemaking process.
I refer you to our web page on the FDIC Community Banking Initiative for a more complete summary of our activities in this area.
International Coordination on Resolution Authority
I would now like to address one final, and critical, area of focus for the FDIC - the significant progress being made on a cross border basis to coordinate with foreign jurisdictions on our resolution strategy for a systemically important financial institution. It is a key part of our overall effort of the FDIC to address our new responsibilities under the Dodd-Frank Act. I want to focus specifically on this work because addressing this issue as a threshold matter requires international cooperation. As we looked at the foreign operations of our major companies, it very quickly became apparent that the substantial majority of the foreign assets of our major firms was located in the UK. We estimate that nearly 70 percent of the on- and off-balance-sheet foreign assets of our major firms are in the United Kingdom. So, as a threshold for us, if we wanted to think realistically about managing an orderly resolution of one of our companies, we had to establish a cooperative relationship with our UK counterparts.
It was perhaps by sheer good fortune that, among the major industrial countries, the U.S. and the UK were already in the forefront of establishing new authorities to deal with the systemic resolution issues. In addition, the leaders of the key agencies our two countries have been very much focused on this issue and have made it a priority. So when we sat down to engage with our counterparts at the Bank of England and the Financial Services Authority, we found leadership at both agencies already very much engaged and focused on this issue and very receptive to cross-border cooperation.
In addition, when we sat down with our UK colleagues to talk about how we might handle the failure of one of these companies, they essentially outlined for us a strategy based on taking control of the failed company at the parent level, while keeping subsidiaries open and operating essentially for the same reason as we had, quite independently, come to a similar conclusion. The fact that we independently hit upon a strategy, that has come to be called the single point of entry, that we both felt held the greatest potential for viably carrying out this responsibility was an enormous facilitator of bilateral cooperation on these issues, so that now its fair to say that were doing joint resolution planning on our institutions of mutual interest.
The Financial Stability Board of the G-20 has identified 28 global Systemically Important Financial Institutions (SIFIs) in the world. Of those 28, eight are in the United States four are in the UK. So of the 28 global SIFIs, 12 are in our two jurisdictions. Establishing a close cross-border working relationship between the U.S. and the UK is not only a threshold issue for our two respective national jurisdictions, but it also gets you a significant way down the road in beginning to come to grips with the international challenges posed by these G-SIFIs. Our cooperative relationship is such that the FDIC and the Bank of England were able to produce a joint paper in December of last year outlining the work that we've done together. That study is posted on the FDIC web site, and I invite you to take a look at it.
In addition to our cross-border work with the UK authorities, we have been engaging actively with the Swiss authorities. As you know, Switzerland is the home country for two of the global SIFIs, both with significant operations in the United States. The Swiss authorities are also working off of the single point of entry approach as their key resolution strategy. So that relationship is also working out quite well, and I think there is actually potential for the U.S., the UK and the Swiss to collaborate together on cross-border resolution. Between those three jurisdictions you have 14 of the 28 global SIFIs.
We have also engaged actively with the European Commission, which is very much focused on the issue of cross-border resolution. As you may know, the EC has proposed a directive which would ensure that the national authorities of the EU member states have broad resolution powers. In addition, EC officials have indicated that sometime this summer they plan to release a proposal to create a EU-wide resolution authority. So we clearly have a very strong interest in engaging with the European Commission.
I met late last year with Michel Barnier, the European Commissioner responsible for financial regulation. Out of that meeting, we had an exchange of letters agreeing to establish a joint working group between the European Commission and the FDIC made up of senior executives of our respective organizations. The focus of that joint working group is going to be resolutions as well as deposit insurance issues. I think we at the FDIC have a great mutual interest on both of those issues with the EC, and I think they feel the same way. That agreement provides that a joint working group meet at least twice a year, once in Washington and once in Brussels. The first meeting of the group actually took place at the FDIC in February, and the meeting in Brussels will take place later this year. We expect there to be video conferences and other exchanges in between.
Our agreement with the EC also provides for the exchange of detailees between the FDIC and the EC as a way for both organizations to get a better understanding of the operations of the other. Earlier this year we hosted a detailee from the European Commission to work at the FDIC, and we currently have a detailee from the FDIC at the EC. We think that this has terrific value for both of us, and that it is a very promising development that we've been able to establish this kind of close working relationship with the European Commission.
Finally, as you may know, Japan is planning to enact legislation to significantly expand the resolution authorities of its regulatory agencies. We have been engaging with Japan at the staff level, and I am hopeful later this year to have a principal level meeting with the Japanese authorities.
From this broad perspective, if we can develop effective working relationships with the UK, the Swiss, the European Union and Japan, we will have engagement with the key home and host jurisdictions for 27 of the 28 G-SIFIs and will thereby lay the foundation for making significant progress on these critical cross-border issues. From our standpoint, if we are able to develop a strategy that we think would realistically allow us to manage an orderly resolution of a SIFI and combine that with effective working relationships with our international counterparts, we believe this would represent the cornerstone for developing the capability to manage an orderly resolution of a systemic financial company.
In conclusion, I would summarize three main points. The banking industry has now had a sustained recovery over the past three years and there is reason to believe it will continue. We believe that the community banking model remains quite viable and there will be a strong community banking sector in the U.S. financial system for the foreseeable future. And finally, there has been substantial and meaningful progress on the international arena both on the understanding of resolution issues and establishing a framework for cross border coordination.
|Last Updated 5/15/2013


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The 5th and final pattern of the minor pentatonic and minor blues scales is taught in this lesson. After teaching the pattern, Brad discusses the best way to practice all five patterns.
Taught by Brad Henecke in Rock Guitar with Brad Henecke seriesLength: 13:05Difficulty: 2.5 of 5
1. Play each scale very slowly. If you only practice scales at high tempos, you rely primarily upon muscle memory to keep track of where each note is. Practicing scales slowly helps to cement information in more locations of the brain.Chapter 4: (3:39) More Positions Both the first, fourth, and fifth boxes of the pentatonic scale can be played in two octaves on the neck. If you have enough frets, you can play the second box in two different octaves as well. By shifting a pattern up or down 12 frets, its octave changes. Earlier in the lesson, Brad demonstrated the 5th position pattern in its higher octave. This pattern can also be played 12 frets lower. As Brad illustrates through his improvisation, a pentatonic pattern can be played in any position of the neck.
2. Always practice scales with a metronome! Slowly increase the tempo as you become more comfortable. Eventually, you will need to be able to improvise in any tempo range.
Brad... I played guitar from when I was 13 to my mid 20's and gave it up 'cause life got in the way. Took a 30 year break. Picked up a Strat about a year ago. Took lessons. Bought books. Not until I found you did I REALLY start to get it together. Your blues and pentatonic scales will keep me playing (I hope) forever...or at least until my fingers stop working! Thank you from the bottom of my heart.
Ok..I have learned all 5 positions of the Pent. Scale and these refer to A minor and C, correct? If I moved the first position down two frets, would that then cover G minor and A major? Can all the positions be transposed up and down the neck?
Yep, you can move them up and down the entire neck. The root note of the box pattern tells you which of the scales you are playing, so as long as you know that you can freely play these scales anywhere on the neck of the guitar.
Hi.I was shown the A minor pent in 5 boxes,same as here but my box 2 is your box 1 till it gets to box 5 and its the same as my box one except im on the 3rd fret low E and youir on the 15th fret low e to start the pattern.I hope this is not confuseing .Whats goingon Brad.I hope the person showing me this knows the scale.I have no doubt you do.Thanks for great lessons !
oh ok ty Brad.And each box can be moved up and down right? If thats true then learning these scales opens up the fret board big time.Thanks again for the great lessons !
That is correct these scales are movable to any key .That opens up a big door for you ! :)
It sounds like the same scales they just started in a different place .They call what I call the 5th scale ,the first scale .Its just where they decided to start .I hope that helps .
Hi Brad. In the 1:st postition you play the Bluenote D# twice. But in the fifth position you go direct from D to E in the beginning of the scale. Why
you can add the D# Blue note .It's in the scale . no real reason for not adding it just a over look .
Good comment you made there brad: listen to other peoples music and adapt to their style and then make it your own. Thats the way to go
yes you got it ! That first position scale root note on the 6th string tells you the hole story .On the 5th fret (A) On the 3rd Fret Its (G) And on the 7th fret its (B). Good Job !
So all 5 of those positions was for the Am Blues Scale? To make it a Gm Blues scale would you just shift everything down two frets to the G? Or a Bm scale, shift up two frets? Etc.
In this Phase 2 series Brad Henecke will school you in the art of rock guitar. You will not only learn how to play some of your favorite songs in this series, but you will also learn how to create your own.
Lesson 1
This lesson covers the absolute basics of rock guitar. Learn about the electric guitar, pickups, amplifiers, changing strings, and more.Length: 52:09 Difficulty: 0.5 Members Only
Lesson 2
The first step of your rock guitar experience is learning some of the more popular chords and that is what this lesson is all about.Length: 42:30 Difficulty: 1.0 Members Only
Lesson 3
Brad Henecke introduces common strumming patterns and barre chords.Length: 42:23 Difficulty: 2.5 Members Only
Lesson 4
In this lesson Brad covers some of the more advanced barre chord shapes. He applies these shapes to the song "Hotel California."Length: 41:31 Difficulty: 2.0 Members Only
Lesson 5
Rock has its roots in the blues. Brad helps you explore the wonderful world of blues in this lesson. He also covers some chord theory.Length: 48:14 Difficulty: 2.0 Members Only
Lesson 6
This lesson is all about specific techniques used by lead guitarists.Length: 52:02 Difficulty: 2.5 Members Only
Lesson 7
This lesson details how to improvise with the blues scale.Length: 27:27 Difficulty: 2.5 Members Only
Lesson 8
In this fun lesson, Brad Henecke teaches you riffs from 3 classic rock songs.Length: 28:28 Difficulty: 2.5 Members Only
Lesson 9
Power chords help give rock music that "punch you in the face" feel. Learn basic power chords in this lesson.Length: 13:22 Difficulty: 2.5 Members Only
Lesson 10
Are you ready to learn "Ain't Talking About Love" by Van Halen and "You Shook Me All Night Long" by AC/DC? That's what this lesson is all about.Length: 27:32 Difficulty: 2.5 Members Only
Lesson 11
Brad teaches the first pattern of the minor pentatonic scale and explains how it relates to the blues scale.Length: 14:30 Difficulty: 2.5 Members Only
Lesson 12
Brad covers the second pattern for both the minor blues and minor pentatonic scales.Length: 9:07 Difficulty: 2.5 Members Only
Lesson 13
Learn the classic rock song "Message in a Bottle."Length: 10:22 Difficulty: 3.0 Members Only
Lesson 14
This great lesson covers the 3rd fretboard pattern of the minor pentatonic and minor blues scales.Length: 7:19 Difficulty: 2.5 Members Only
Lesson 15
Brad demonstrates how open strings can be added to chord shapes you are already familiar with.Length: 9:09 Difficulty: 2.5 Members Only
Lesson 16
Brad covers the fourth pattern of the minor pentatonic and minor blues scales.Length: 8:28 Difficulty: 2.5 Members Only
Lesson 17
In this lesson Brad demonstrates how to play the Beatles song "Daytripper."Length: 15:21 Difficulty: 3.0 Members Only
Lesson 18
Brad demonstrates the 5th pattern of the minor pentatonic and minor blues scales. He also discusses practicing and memorizing them.Length: 13:05 Difficulty: 2.5 Members Only
Lesson 19
Learn the classic rock song "Brown Eyed Girl" in this episode of Rock Guitar.Length: 11:23 Difficulty: 3.0 Members Only
Lesson 20
Brad introduces you to the importance of phrasing. Quality phrasing is essential when performing any melodic line.Length: 14:19 Difficulty: 3.0 Members Only
Lesson 21
Tapping is an idiomatic guitar technique that offers a unique sound.Length: 14:34 Difficulty: 3.0 Members Only
Lesson 22
Learning the modes is essential to the development of your scale vocabulary.Length: 31:04 Difficulty: 3.0 Members Only
Lesson 23
Brad further explains what chord shapes are and how they relate to barre chords.Length: 10:15 Difficulty: 2.0 Members Only
Lesson 24
Learn the right and left hand mechanics involved in playing harmonics.Length: 13:16 Difficulty: 3.0 Members Only
Lesson 25
Brad covers more advanced harmonic techniques such as harp harmonics, pinch harmonics and tap harmonics.Length: 16:10 Difficulty: 3.0 Members Only
Lesson 26
Brad moves on in his modal lesson series to explain the Dorian mode. This lesson includes 2 backing tracks.Length: 22:00 Difficulty: 3.0 Members Only
Lesson 27
Brad explains and demonstrates the Phrygian mode.Length: 13:33 Difficulty: 3.0 Members Only
Lesson 28
Brad continues his discussion of the modes. You will learn the Lydian mode in this lesson.Length: 9:27 Difficulty: 3.0 Members Only
Lesson 29
Brad explains the Mixolydian mode and its practical applications.Length: 10:00 Difficulty: 3.0 Members Only
Lesson 30
Continuing with his modal lessons, Brad Henecke teaches the Aeolian mode.Length: 9:09 Difficulty: 3.0 Members Only
Lesson 31
The final lesson in our modal series covers the Locrian mode.Length: 9:00 Difficulty: 3.0 Members Only
Lesson 32
Brad teaches some licks inspired by Ace Frehley of KISS. Incorporate these licks into your own solos.Length: 7:18 Difficulty: 3.0 Members Only
Lesson 33
In this lesson Brad Henecke teaches you some fun licks that can be used in your own guitar solos.Length: 10:00 Difficulty: 3.0 Members Only
Lesson 34
Brad Henecke demonstrates some cool blues licks.Length: 17:00 Difficulty: 3.0 Members Only
Lesson 35
Brad Henecke provides an alternate way of comparing modes and scales.Length: 8:00 Difficulty: 3.0 Members Only
Lesson 36
In the last lesson, Brad Henecke compared some scales that are major or dominant in quality. Now, he repeats this process with minor scales.Length: 7:00 Difficulty: 3.0 Members Only
Lesson 37
This lesson is all about 1 string scales. Learning scales on 1 string is essential to your knowledge of the fretboard.Length: 8:34 Difficulty: 3.0 Members Only
Lesson 38
Brad demonstrates a one string version of the Ionian mode. This lesson demonstrates the importance of horizontal scales.Length: 7:27 Difficulty: 3.0 Members Only
Lesson 39
Brad continues his discussion of single string scales. He explains how to play the Aeolian mode across a single string.Length: 4:11 Difficulty: 3.0 Members Only
Lesson 40
Brad explains how to locate octaves within scale patterns. He demonstrates a cool lick that involves playing simultaneous octaves.Length: 7:07 Difficulty: 3.0 Members Only
Lesson 41
Brad explains how to use octaves in the context of an exercise. Octaves can also be used to build effective licks.Length: 5:18 Difficulty: 3.0 Members Only
Lesson 42
Brad introduces the harmonic minor scale. He explains how it can be applied to the solo break in "Sweet Child O' Mine."Length: 7:00 Difficulty: 3.0 Members Only
Lesson 43
Brad Henecke provides valuable tips regarding the process of learning songs by ear.Length: 23:00 Difficulty: 3.5 Members Only
Lesson 44
Improve your ear training by playing "The Tone Is Right" with Brad Henecke.Length: 29:00 Difficulty: 3.0 Members Only
Lesson 45
Brad Henecke explains diminished chords and provides a fun diminished arpeggio exercise.Length: 19:00 Difficulty: 3.0 Members Only
Lesson 46
Brad Henecke addresses time signatures.Length: 10:00 Difficulty: 2.5 Members Only
Lesson 47
Brad Henecke explains the construction of diminished seventh chords. He also provides a diminished chord exercise.Length: 10:30 Difficulty: 2.5 Members Only
Lesson 48
Brad Henecke introduces open G tuning in this lesson.Length: 23:50 Difficulty: 2.5 Members Only
Lesson 49
Brad Henecke introduces drop D tuning in this lesson. He explains many advantages of this tuning.Length: 12:57 Difficulty: 2.0 Members Only
Lesson 50
Brad Henecke teaches the G major pentatonic scale. He demonstrates all 5 patterns and explains how they can be transposed to any key.Length: 22:50 Difficulty: 2.0 Members Only
Lesson 51
In this lesson Brad Henecke talks about changing the pentatonic/blues scales with each chord in a chord progression.Length: 11:08 Difficulty: 3.0 Members Only
Lesson 52
Brad will show how to use the Mixolydian scale with a blues chord progression.Length: 6:56 Difficulty: 3.0 Members Only
Lesson 53
This lesson is all about gear and effects. Brad begins his discussion with power conditioning and removing hiss from your amplifier. He progresses to discuss a plethora of effects pedals. Brad explores...Length: 52:48 Difficulty: 2.5 Members Only
Lesson 54
In this lesson, Brad Henecke introduces the wah pedal and demonstrates its many applications.Length: 15:53 Difficulty: 1.5 Members Only
About Brad Henecke
View Full Biography
Brad Henecke was born in Cedar Rapids, Iowa on May 5th of 1963. He has been a fan of music for as long as he & his family can remember. You could always find him running around the farm wailing on his cardboard guitar, pretending to be a member of the rock band KISS. Additional inspiration came during his first concert when he got the chance to see Boston & Sammy Hagar in the early 1970's.
This opened up a whole new world of rock and roll music for him; his parents noticed his growing interest in music and enrolled him into guitar lessons when he was 13.
From there he jumped into two years of lessons at a local music store in Cedar Rapids. After discovering Eddie Van Halen, Brad knew that the guitar would always be a part of his life. He took his love throughout the city as he played as a pit musician & jammed at parties for friends.
This made him thirsty for more. He enrolled classes at Kirkwood Community College & also took lessons from the one & only Craig-Erickson (www.craig-erickson.com).
His love for music landed him a gig opening for Molly Hatchet in Cedar Rapids with a band called "Slap & Tickle". He has also played in the Greeley Stampede show for quite a few years with "True North".
Brad is currently playing in Greeley, Colorado with a rock band titled "Ragged Doll". They play a wide variety of music with an emphasis on classic rock from the 60's to present, with Brad playing electric guitar in the five piece lineup.
He currently jams on his all-time favorite guitar: a Paul Reed Smith Custom 24. Beyond guitar, he plays also plays drums & bass guitar. He has also been known to thrash a banjo from time to time. He is still actively playing & passing his 31 years of playing experience on to others (you!).
Our acoustic guitar lessons are taught by qualified instructors with various backgrounds with the instrument.
Alan shares his background in teaching and sets the direction for his beginning bass series with simple ideas and musical...Free LessonSeries Details
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Greg kicks off his series telling a little about himself and introduces the C9 tuning.Free LessonSeries Details
Rich Nibbe takes a look at how you can apply the pentatonic scale in the style of John Mayer into your playing.Free LessonSeries Details
Lesson 40 takes a deeper look at slash chords. Mark discusses why they're called slash chords, and how they are formed.Free LessonSeries Details
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James explains how to tap arpeggios for extended musical reach.Free LessonSeries Details
Mark Brennan teaches this classic rock song by Jethro Tull. Released on the album of the same name in 1971, this song features...Free LessonSeries Details
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What's this lump?
Susie replies:My girlfriend had found a lump inside her vagina. What could this be?
Has your girlfriend ever had a pelvic exam? If no, or if not lately, then she should visit her doctor and get checked out. That's the only way she'll figure out what that lump is. The best I could suggest is it may be her cervix. That's the lower tip of the uterus, and it feels like a rounded bump at the end of the vagina. Otherwise, it could be the G-spot, which is located on the ventral (belly-side) wall of the vagina, about 3 or 4cm in from the vaginal entrance. But there's just too many possibilities for what it is, so her best bet would be to just see a doctor.
In the meantime, you and your girlfriend can read the following articles:


text:
There's no debate that changes Google has made to its search engine's ranking formula have taken a toll on Demand Media.
How big a toll? That one's up for debate: Richard Rosenblatt's company says the changes, which affect the traffic that Demand's sites get from Google, aren't significant enough for the company to change its guidance.
Most of Wall Street disagrees, and has been hammering Demand shares for the last couple of weeks. DMD is now trading around $16.70, down from a peak of more than $27 earlier this year.
In a note published today, Stifel Nicolaus analyst Jordan Rohan argues that investors are overreacting (Stifel helped take Demand public in January), and keeps his "buy" rating intact. A worst-case scenario, he says, is that the Google changes will clip Demand revenues by 10 percent and EBITDA by 20 percent–but Wall Street has pummeled Demand much more than that.
Rohan (and many others) are very interested to see what Demand says on its May 5 earnings call:
EHow and Demand Media had a great deal of momentum all the way through the first quarter and into the second quarter. But there is now this new variable with which to contend–it is hard to forecast traffic if there is volatility in index rank. How does that all balance out? To the extent that is possible to broaden the range of possible outcomes for the year, without abandoning the guidance altogether, we believe that would be incrementally positive, at least compared to current levels of fear. Maintaining guidance for full year revenue and EBITDA would be even sweeter, if possible. The "what can be done" part of this is key, in our view–own up to the weaknesses, identify the steps required to address those weaknesses, and correct course. Quickly.
Which sounds great. The problem for Demand (and many other publishers, including the New York Times, which said that its About.com had been beaten up by algorithm changes, too) is that it's entirely possible that Google isn't done adjusting its search formulas.
And what if it's just beginning to overhaul search?
If so, every Google-dependent publisher is going to have a very hard time responding to each and every change the search giant makes. Which means that Demand Media's fortunes will be in flux for some time. And it will be very hard to make Wall Street feel good about that.


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ZangbandTK: Confessions of a Dungeon Hack
[This has been on my blog for a while, but never reposted on RPS. I thought worth moving over her. Originally written for PC Gamer back in the day, and tweaked from my original unproofed version for publication. Oh – and you can get ZanbandTK most easily here]
Valarina was my first. She was a barbarian warrior. Plain, though no-one would ever say that to her face for fear of her tearing off their arm and using it as a particularly bloody stole. But she was confident. Hey – with 18/50 strength you would be too. I had her walk into town, confusedly haggle for a pair of leather gloves then hit the bar, demanding a quest. They gave her one. Danger level 25. Hmmm… Is that bad? I didn't know. So I marched her in and before she even had a chance to look around, Valarina was slaughtered in a single combat round by a Vorpal Bunny. Oh my.
Like the infinite coils of a fractal design, this smallest part of ZangbandTK contained its entirety. That is, discovery leading to overconfidence leading to death. Or, perhaps more accurately, death by stupidity.
Valarina died stupidly. This grated. I would have my revenge.
In the beginning there was Rogue. First released on UNIX systems in the 1970s, it proved a revelation and birthed a family of descendants. Rogue was an ASCII based dungeon-hack game, with all the features in the dungeon represented by a text symbol. For example, orcs being the letter "o". Clearly this was necessary of the time, but it still freed resources up for what was important in the game – a plethora of monsters and treasure, as well as randomly generated dungeons.
To say the least, it was inspirational. Commercially speaking, the apogee of the Rogue-inspired game came in Blizzard's Diablo, which in its virtually plotless repetition and gradual character improvement proved hugely popular. However, underground, a more direct line from Rogue was forming. Rogue inspired Moria, a Tolkein styled dungeon hack in the eighties. In 1990, Angband was born, which upped the Tolkein ante in including all manner of characters from the books. Angband proved popular, and eventually the variant known as Zangband – short for "Zelazny Angband" – came into being, improving on the original in ways deeper than the simple addition of characters from Roger Zelazny's Amber series of books (For those unfamiliar: Political multiverse fiction about a warring family of aristocratic utter bastards).
The problem with all of these games was that they're about as accessible as reading Anglo-Saxon sagas in old English. Putting aside even the graphical limitations, a baroque sequence of keys were required for any tasks, often with capital letters causing different actions. For example, press "r" will read an item, while "R" would instead rest. While perfectly playable, it requires a degree of effort that alienates all too many.
At the turn of the millennium, one Tom Baker took Zangband and gave it a menu interface and some slightly less obscure graphics: ZangbandTK. It was rediscovered in my corner of the net early in 2004, lead to a rapidly multiplying craze, my staying up until six in the morning on a few occasions and this article in a desperate attempt to explain it all to an uncaring world.
Travis came next. And Travis was a contender. Taking things simple, he was a human warrior. I realised that this was going to be harder than I expected, so wanted to have the least to worry about as possible. Being a straight human and a single-class character, he went up levels quickly, and being a fighter he was capable of taking most things on directly. He found his rhythm – getting enough items from the dungeon, teleporting to the surface with a recall scroll and then back down to continue. He'd even illicitly discovered the joys of "farming" monsters: creatures like mice, once disturbed, started to replicate at an incredible rate. However, by making sure the area of the dungeon they were in was a sealed with closed doors, a cunning warrior could stand in a narrow corridor and take them on one at a time as they came. As long as he hadn't missed a leak, he could happily bounce up levels until the experience gained from each became insignificant. By the time he was 350ft down, he was level 12 and getting somewhat confident. And then… water.
I'd never seen water before. The simple blue shapes promised a whole new world… and implied that I was getting there. I was making progress. Happily Travis splashed his way into the shallows. A barracuda emerged, which speed beside him and in a couple of combat rounds tore him to pieces.
It's important to note that this is only one root of the family tree leading down from Rogue. There's an entirely different pathway you'd follow which leads from Hack to the occasionally-mentioned often-mocked-by-idiots Nethack. While superficially similar games, there's profound differences between the pair. Aficionados will hotly argue which is the greater – its the lo-fi RPG-nut version of the old-skool Quake 3/Unreal Tournament argument, basically. If you were to generalise, so seeking to offend both fans as efficiently as possible, Nethack tends to lean on esoteric puzzles while Zangband concentrates on fun-for-all-the-family monster hacking.
Direct comparisons, however, are misleading. Things are fuzzier than "Zangband over here and Nethack over there – three falls and no submissions". Both are open-source games, meaning that anyone can download files, have a nose and work on their own variants. For example, take that Angband to Zangband progression mentioned earlier. That was just one of the projects continuing from Angband. And once Zangband was out there, people were taking its code and making variants of that. A quick scan of the net reveals variants which add everything from Cyberpunk to Anime to Steampunk to… well, anything which inspires fandom.
It's here which the Rogue-like games gain their strength. Since the code-base is open, people have been developing, fiddling and adding sections to the games for years. With no need to worry about graphics, they just add functionality – new things to see and new things to do. They're games about variety and surprise, meaning that every time you start with a new character class it can be a completely different game. Trying to survive as a Halfling rogue whose high stealth rating means stumble across most monsters asleep is a completely different to a Half-orc Warrior who is knee-deep in monsters the second he enters a level. And both are worlds away from playing as a vampire or a Chaos Warrior or a High Mage.
The variety is necessary because given the slightest provocation ZangbandTK will kill you dead, dead, dead.
And you'll have to start all over again.
Stumpy, Dwarf Paladin, was caught by a mob of Crypt Fiends, who proceeded to summon the greatest array of Undead monsters the world had ever seen. I thought a simple small-distance Phase Door would get him away. In fact, it just teleported him further in. He was surrounded, poisoned and ate alive. He had time enough for a recall spell to jerk him out, assuming I'd had set it off when a smart person would have instead of meanly trying to save it. Stupid. Dead.
Cassius Clay, the Golem Ranger had retreated to a staircase to read an unknown scroll, in case it turned out to be one of Monster Summoning or similar. If the results were too frightening, he'd simply head up to escape, I thought. However, it summoned the Death Sword which, while immobile, delivers dozens of incredibly fast attacks against anyone stupid enough to stand beside it. Like Cassius Clay. Stupid. Dead.
Jude Lawful, Half-Titan Paladin, perished on the blade of Orfax, Son Of Boldor. Stupid. Dead.
Harbull the level 12 Hobbit Rogue, met a horned beast called Zog. It's fast and fearsome and Harbull is looking increasingly worse for wear. I try my random-magic Wand of Wonder. Sadly, it hastes the Zog, increasing the rate of Harbull's demise. Things are looking bad and, wary, I use a phase door spell and teleport Harbull to safety. I'm panicked, and – Zog out of sight – hold down the key to run away as fast as I can. Got to get away! As quickly as I can and… Zog tears around the corner and rends Harbull limb from limb. Zangband is turn based. Holding down a key makes no difference to the speed you move. I had panicked. Stupid. Dead.
Alecina Fear, Barbarian Chaos-Warrior, wise from Stumpy's fate, activated her Recall scroll the second the Crypt Fiends appeared. However, being a smarter fighter all round than Stumpy, she'd virtually annihilated their forces, Rotting Corpses and all, by the time she was brought back to the surface. She relaxed. She was safe. I was safe. We were safe. I started walking towards a shop, to sell whatever loot and… dead. She'd been poisoned by a Rotting Corpse and I hadn't noticed. I hadn't been paying attention. Very stupid. Dead.
Saffy XIII was… I'm sorry. I can't. Not yet.
Unless you cheat, once a character perishes, they're gone forever. Of course, cheating is easy enough to do. The open-source nature of the game prevents the developers making anything that forces you to play by its rules. There's even cheat-options you can turn on in the menu, for example, to make the game easier for you. And harder too, of course, for those truly brave (i.e. truly dead) few.
But, among ZangbandTk players, you tend to look down on such people. The risk is the entire point. The dungeons are randomly generated, so theres no narrative to lose. When you start again, you'll be playing something entirely new. And the variety is enough to make you want to play it again.
But mostly, the risk of life makes the game has worth. Any successes are your successes. Any failures are your failures. This isn't a game in the modern sense which holds you hand and meekly leads you from cut-scene to cut-scene, trying to bolster your confidence, the equivalent of a doting parent telling their kid that finger-painting of a dog is the best thing they've ever seen, ever, and aren't they a clever little mummy's boy.
If you're rubbish, ZanbandTK will kill you. It's merciless… but it's also brutally fair. The fact you – you! Clever old you! – were killed seems unbelievable. How could you have been tricked into failure by a game which appears to be so simple? So you play again. And you die again.
And it's your fault.
It was getting ridiculous. I'd wasted days on this game, and I needed a place to make a break. While it was clear I'd never complete ZangbandTK by dethroning Oberon and slaying the Chaos Serpent, five-thousand feet below the surface, if I could create a level 20 character – the point my circle had decided was worthy of the title "hero" – I could move away from it and get on with life. With this in mind, Saffy XIII was born.
An Amberite Ranger. Her bloodline gave her ridiculously high stats and the ability to regenerate wounds. Her training mixed fighting prowess with considerable nature magic. And I had a graveyard full of dead warriors' experience inside me, all calling out for revenge.
She rent the dungeon asunder. She hunted down and slaughtered the once trouble-some Robin Hood. Dragon-blood coated her blade. The Crypt Fiends were crushed under foot. Then, 250 experience points short of the target of level 20, she opens a door.
Into the gap steps a gazer. A bloody gazer. A weak, puny, pathetic thing. Normally splits with a single arrow. However, it gets an attack first. It paralyses Saffy. Bad – but not too bad. She normally recovers pretty fast. However, after a few immobile turns, it becomes clear that she's not going to recover. While the gazer is mostly missing, it's hitting enough to keep the effect going. This would be disastrous but for the fact that its actual attack is so pitifully weak that Saffy's natural regeneration closes her wounds faster than it can inflict them. She just can't move. There's other monsters behind the gazer, but they can't get to Saffy because of the floating eye is blocking the doorway. It's a stalemate. I hold down the forward keys, hoping that the odds eventually turn up a chance where Saffy resists long enough to get a single blow on the beast.
It never does.
Saffy XIII stands in the doorway for days of in-game time until she finally starves to death.
I'm speechless. I just opened a door. I didn't even have time to perform a single action.
This wasn't fair. This wasn't my fault. I give up.
Fuck you, ZangbandTK, I'm off to play Far Cry.
Okay, that was a lie. It's not always fair. In a game with as much variety and interlocking rules created by different people in as ZangbandTK, there's always the possibility that something may actually turn a little unfair at any moment. But it's a question of degrees – did you know the risk when you were getting into it? For example, being dropped down a trapdoor into a lower level that your character probably can't survive. Is that unfair? Well, maybe… but what were you doing walking around without a Recall spell or some find staircase variant? Or just being very careful indeed?
The areas where it's actively unfair are mostly well marked out. For example, the effect of Chaos in the game. If you play a Beastman, you have a chance of gaining another unpredictable mutation every time you increase a level. It's even worse for those who choose to play a Chaos Warrior, which puts you firmly in the capricious hands of a Chaos God who delivers "gifts" – and those are the most ironic quotation marks in human history – upon increasing a rank. Mostly, they're extremely beneficial. Huge statistic increases, chaos-weapons of ridiculous potency and even being transformed into a superman, complete with heat-ray vision and steel-skin. A sizeable fraction, however, are not. Physical curses, experience losses and summoning hordes of monsters to attack you are common. Changing your race is another gift that can kill you as good as outright, when your Titan warrior turns into a pathetic Mindflayer with the attendant lack of physical prowess.
Even when they're being generous, you can never under-estimate the Gods' sense of irony. Take the tale of the Chaos Warrior who was gifted a permanent aura of sunlight. For almost everyone, a useful boon when exploring the depths. Unless you happen – for example – to be a vampire.
But while random and unfair, this is random and unfair you've specifically asked for. You've traded character security for random power, and pretty much forfeit your right to complain. Successful Chaos Warriors have to start playing the odds, being careful to watch their experience scores to make sure they cross boundaries when in relatively safe areas instead of in an unsure fight that can be turned into death by an intervention.
A week later, It'd changed my mind. Yes, it was brutally hard… but it wasn't unfair.
I knew things that paralyzation existed – on the character sheet there was a list of things you could be immune to, and it was plainly listed. The problem was that I was overconfident in thinking I wouldn't need any resistance yet. There were shops aplenty and I hadn't gone looking for items to protect me. It was my fault. It was a particularly brutal my-fault, but it was still my error.
With this in mind, I created human Warrior-Mage Lauren Laverne. She died upon reaching level 11, when 50ft below the surface, heading back to town, I decided to try an unknown potion to clear a slot in her inventory. It turned out to make Lauren vomit, reducing her food level to zero. And I'd eaten all my supplies already. I rushed her upwards, quaffing healing potions to try and avoid her health failing from starvation. It wasn't enough. Lauren expired crawling up to the gates of town, all the ripe smells of the inn tormenting her.
But it was fine. It was all my fault.
And that's how I stopped worrying and learned to love ZangbandTK.
I've given up trying to persuade the majority of my peers to see the joy in Nethack over the years, simply shrugging my shoulders when someone asked why you just don't play Doom on map-mode instead. The argument is simple – the more time people spend working on the graphical allure, the less time they have to work on content. If to create a new form of dragon involves a modeller working for six months to create the 100,000 polygon form, you're clearly not going to have a great many of them. But if it's a tiny sprite – or even just a letter – and just the raw functionality of the code, you can have dozens, hundreds, thousands.
Some have made the argument that having such simple graphics allow you to imprint your imagination on the scene. I'm not sure I concur – I don't find myself imagining the scene much, but more rather concentrating on the stripped down mechanics of it all. There are no distractions – just you and the game, alone against the dungeon.
ZangbandTK, while not as primitive as Nethack graphically, is a fair halfway house. Its menus mean that anyone should be able to play. While, due to its developer stopping work in 2001, misses the developments of the latest "pure" Zangband releases, it's still as rich a gaming environment as you'll encounter. The hardest of the hardcore may want to turn their attention to other variants – try Tales of Middle Earth, for example. But – whisper it – I don't think many of us are that hard.
Antony: The one who made it. He was a Klackon warrior, a race of unintelligent speedy ant-people acid-spitting who can't be confused. That's one vulnerability off the list. His Halberd "Heavy-Metal" ((3d5) (+12,+13) [+9] (+3), weapon stat addicts) added fear-resistance to that, among a host of other minor ones. At the first opportunity, I sold another magic vampiric sword to raise the six-thousand gold required to purchase the ring of free-motion, preventing paralysis. That left blindness, though his variety of rods of teleport, allowed him to dodge anything out if he suffered loss of sight.
And he did. He reached level 27. He descended to 1250ft into the dungeon, only returning to the surface when a meeting with Alberich the Nibelung King ended with the dark-dwarf-lord summoning a small army of replicating creatures which over-ran the locale.
Back on the surface, I marched him to the Thieves Guild and, on a whim, took a quest. Danger Level 25. Why not? Antony had proved his worth and I was confident in his abilities to at least survive anything.
The dungeon was perfectly still. For a second I thought I should have picked up his monster-detecting kit to work out what he had to do, but – well – too late now. He opened a door, and was bombarded with magic spells. Crawling to cover, I attempted to work out what was going on. Door Mimics, it seemed. Which summon monsters, I discovered, as an Umber hulk bashed through the wall before me. Hurt, Antony drinks a potion of restore Life Levels which he inopportunely discovers isn't actually a healing potion at all. Why didn't I actually test that again? His Pattern blade flashes, despatching the beast, but the array of sentient doors continue their bombardment. Time to run for the door… except a horde of Light Dogs materialise around him. No escape for Antony.
"Oh no, not again!" the game's message log informs me. I think back to Valarina. I laugh.
Antony the Klackon had died stupidly. This grated.
I would have my revenge.


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WASHINGTON (AP) Right-hander Dan Haren has agreed to a one-year contract with the Washington Nationals.
The NL East champions announced the deal Friday, without giving financial terms. Earlier in the week, a person familiar with the talks told The Associated Press it would be worth $13 million.
The 32-year-old Haren was a free agent after going 12-13 with a 4.33 ERA in 30 starts for the Los Angeles Angels in 2012. The Angels nearly traded him to the Cubs after the season, then declined their $15.5 million option for 2013.
Haren is 119-97 with a 3.66 ERA with four clubs in the majors and was an All-Star in 2007, 2008 and 2009.
He joins an already formidable Nationals rotation led by Stephen Strasburg and Gio Gonzalez.


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Japan ski resort news: Niseko HANAZONO (Hokkaido)
>> More information on Niseko HANAZONO <<
>> Niseko HANAZONO Spotlight <<
The above information will be updated in the coming months
<< SnowJapan News >>
Please credit and link to SnowJapan if you intend to use the information published. Thank you.
Ski resort news from around Japan
This brand-new section of SnowJapan will feature news about ski resort developments across Japan, along with other interesting news about the snow world here.
As we carefully check and update our ski resort information pages each season, we often add interesting bits of news to the introductory text sections, and feel that some of that information would be of interest to a wider audience.
We're going to start slow but steady, and plan to keep on building and developing the section over the years. We know that many of you are interested not only in the current snow conditions in Japan, but also in the ski resorts themselves... so we are going to endeavor to get that fresh information out to you.


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LEBANON, Maine — A slippery road reportedly caused a local motorist to strike a utility pole with his vehicle Friday night, though no injuries were reported as a result.
Around 7:30 p.m. Friday, a 56-year-old Lebanon man driving a Hummer H series SUV left the roadway on Blanchard Road, went over a street sign, and struck a utility pole, according to the Lebanon Rescue Department.
The accident occurred about 500 feet from Smith Road. The pole was broken about six feet from the ground, and although the accident caused a power outage in the area, all wires were intact, according to Lebanon Rescue.
The driver of the Hummer was uninjured. He told authorities that slippery road conditions caused him to leave the roadway, which led to the accident.
Emergency crews were on scene for a little more than an hour. Traffic was rerouted around the accident scene until the vehicle could be removed, and until Central Maine Power could stabilize the telephone pole. Emergency crews cleared the scene at 8:42 p.m.
The vehicle was towed from the scene.
An ambulance and command truck from Lebanon Rescue Department, an engine and squad truck from Lebanon Fire Department, and a deputy from the York County Sheriff's Department responded to the call. Central Maine Power also responded to the scene.
Rescue Chief Samantha Cole was the first unit on scene after the incident was reported.
The accident remains under investigation by the York County Sheriff's Department.


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Chief Tyrol says this is not his beautiful life, while Admiral Adama is struggling to hold on to the things he believes in. And Baltar is tired of being afraid and ready to stand and fight. Those are just a few of the awesome insights you'll glean from these new promo clips for Battlestar Galactica season four, starting in March on the Sci Fi Channel. Also below the fold, there's a new Sci Fi Channel spot that includes new footage from Battlestar and Doctor Who. [Galactica Sitrep]
More from Gizmodo
Benny Gesserit
Oh, the "Martha Jones" season of Dr Who. Quite good, very good arc in the last few episodes!


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I get up in the morning, do the usual ablutions, kiss my wife and daughter, who are often still in bed, and drag myself through the crowded subway system of New York to Pivotal Labs' offices.
I'm usually early, so the people in before me are those that make the journey from "Noo Joisey", bless their hearts. I'll sit and talk, or I'll open my MBP and work on personal stuff, like blogging.
Breakfast is made by one of our lovely kitchen staff. Im a fan of the eggs and sausages, but there's also fresh fruit, oatmeal, cake, pancakes… All sorts of things.
At five past nine, a gong sounds and we all gather quickly for a company stand up. Any newsworthy discoveries are raised, any questions that need answering are asked, all the events are listed. We clap in unison and disperse. Many of us huddle around the espresso machine getting another jolt into us before our team standups.
This is a pretty relaxed way to start the day.
The rest of the day is spent pairing with other developers, 100%, and the support this gives you is tremendous. I know a few people who dont like it, but even they see the value in it. The rest of us love it, and often find it frustrating when we're forced to solo.
We (the pair) look at the most important story the product manager has identified, and we discuss how to best implement it. We go to the product team, who are all nearby, with any questions we might have.
We implement our code with diligence. Diligent about quality, diligent about design, diligent not to overwork the solution (lest we don't end up needing the code). Some pairs are great at forcing you to stay true to the red-green-refactor, outside-in philosophy. Others are strong on 'YAGNI'. Everyone brings something to the table, and everyone can trust that their colleagues are providing value.
Its rare to think "I will _so_ need to check his code" or "What fool did this thing?!". If you ask someone about their implementation choices, they can give you good solid reasoning for them.
Working in pairs is intense. A suitable term is 'compression' – we stop and play a game of ping-pong or just take 5 minutes out to 'decompress'. It's exhausting but liberating. Typically, the only thing that you spend your energy on is creating good product. You dont often waste energy on "he said, she said" or worrying out about pointless feature development and unrealistic deadlines.
Edit: Forgot to mention, I don't get asked to do overtime, and I get to see my family at a reasonable time every night.
Honestly, if you need a break from the insanity. Come and work for Pivotal.
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[ You are not allowed to view attachments ] Well, chin up, soon all the billions will be worth the same as monopoly money I am so ready to party like insigniagate is my birthday!!!
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Around the same time as the current outrage, a Black Trump fan was attacked and hospitalized by a group of White commies in Portland. I will bet my four bank accounts that no cable or network news outlet will mention it.
The guns aren't pointed at *us*.
It doesn't take a Nostradamus to predict that they're going to "find" something to make these boys look like David Duke's Klan Scouts. Even if they show these kids burning a cross while waving Confederate battle flags, wearing blackface, and shouting "nigger", my outrage meter will be at the level of "meh".
I predicted this when I was in high school, so I was not shocked when it came to pass. If I had a dollar for each time that I said "I wish I was wrong about that", I'd be richer than a Rothschild.
Dude--we're already in the camp.
Except for the twinkies. And weed. And access to the internets. And ability to share Jackoff opinions with the entire world wide webs. But yeah, same thing exactly.
Every dog has it's day I hear David Rothschild is BROKE!!! Not sure why this makes me so happy, since I RARELY take joy in the misfortune of others, but you know, no one's perfect.
Two words: Where's Waldo ?
Ikr...and he had such a promising start.
Yeah and Trump is Hitler. 🙄
We're all literally inches from the abyss and against all reason a single man is defending our Constitutional rights from these nazis. Yeah I'd say the American doomsday clock is on 11:58 PM...
https://www.youtube.com/watch?v=p1iE5cvWCh0... shutdown action!
I wonder how many times they used those same hateful words that they claim to detest? Let's not make a drinking game out of it because someone just might die from alchohol poisoning.
Trump is never going to be eloquent but he gets his point across and that is unless there is a deal that includes a respectable amount of funding for a physical barrier on the table in three weeks he will declare a national emergency and he will be totally justified in doing so. I get a chubby when he talks like that.
So very true - this is the Duke LaCross team lynching played out on younger heads - despicable!


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