text:
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text:
Current fair use law is hazy by design; instead of laying out specific use cases, the law relies on the famous "four factors" about the purpose of the use, the nature of the copyrighted work, the amount borrowed, and the effect on the value of the original work. This can be maddening in many situations, because it is impossible to know in advance if a particular use qualifies. On the other hand, it gives a fair use incredible flexibility to adapt to new circumstances like the advent of the VCR.
But in the paragraph that comes just before the four factors, Congress did see fit to lay down a nonexclusive list of fair uses: "criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research." Is it time for more list items? The new Copyright Reform Act, proposed by Public Knowledge, would make a deceptively simple change to bring fair use into the 21st century—add seven words to this list.
Seven dirty words?
The CRA is a new project from Public Knowledge, with much of the heavy lifting being done by the Cyberlaw Clinic at Stanford and the Technology & Public Policy Clinic at UC-Berkeley. While Berkeley's noted copyright scholar Pam Samuelson works up a new "model statute" for copyright law in the digital age, Public Knowledge hopes to make smaller interim fixes to copyright law that won't require the same dramatic reworking.
This week, it released the first of these reform ideas (PDF) focusing on the principle of fair use. In addition to "criticism" and "news reporting" and the rest of the items in the fair use preamble, the CRA proposes the addition of three more: "incidental uses, non-consumptive uses, and personal, non-commercial uses." They might sound minor, but these suggestions are bound to provoke controversy.
Incidental uses "involve capturing copyrighted works, where the copyrighted work is not the primary focus of the use—for example, capturing music playing over radio when filming a family moment." Incidental use is hugely important to documentary filmmakers, for instance, who routinely capture copyrighted photographs hanging on walls or copyrighted shows playing on televisions in the backgrounds of their shots.
The second category, non-consumptive uses, "do not directly trade on the underlying creative and expressive purpose of the work being used." In other words, a non-consumptive use might take the complete text of the novel, make a copy of it, but use it only as the input for a lexicographical analysis of style, not to produce a free e-book.
"Because they do not trade on the expressive or aesthetic aspects of copyrighted works," says the report, "they pose little threat to the core market interests of copyright holders that copyright endeavors to protect."
Copyright owners do worry even about such innocuous-sounding issues, however, because of things like the Google Book Search settlement, where the issue of non-consumptive use has already arisen. Researchers would love access to such a massive archive of textual material, but rightsholders worry about what might happen if Google's data sets are released too widely. Would the text of millions of copyrighted books, released to researchers in their entirety, open the way for widespread piracy of the last century's copyrighted works in one giant download?
But it is the third proposal that might prove most controversial. "Personal and noncommercial uses" are said to "have little chance of harming copyright holders. At the same time, they are ubiquitous: every day we timeshift television shows via TiVo, create mix CDs for the car and iPod playlists to the gym, backup up our computer hard drives, and read books to her children before bed."
But at what point is a use truly "noncommercial"? This issue has been raised in both of the ongoing infringement cases against Jammie Thomas-Rasset and Joel Tenenbaum, the first two people to take RIAA-backed P2P infringement cases to trial. In both cases, the labels have insisted (repeatedly) that no easy distinctions can be drawn between commercial and non-commercial activity; though sharing copyrighted files with others may be "non-commercial" in the sense that no one is charging money for access, it also seems to be quite clearly "commercial" in the sense that a major purpose is to avoid paying for music that could easily be obtained from stores like iTunes.
Even the backers of the Copyright Perform Act, sympathetic as they are to fair use and an expansive reading of consumer rights under copyright law, do draw the line here. While they want to ensure that deference is given to things like time-shifting, the report notes that simply placing "personal and non-commercial" in the preamble to fair use law isn't the end of the story. The four factors still apply, and any non-commercial personal use that "sufficiently harms the copyright holder's market would not be fair."
Instead, personal and noncommercial copying would gain the presumption of legality—but if copyright holders could show "either actual market harm or a likelihood of market harm," those uses would not be allowed. As Pam Samuelson notes, "ordinary personal uses, such as backup copying and platform-shifting, would be fair, but P2P file sharing would not be."

subset: commoncrawl


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The undisclosed sum will memorialize the beliefs and interests of Phil and Ardath Saunders by providing scholarships for Unity College students, with priority given to those in the Secondary Education program seeking science teacher certification.
Saunders noted that giving back to support nonprofit and charitable causes is consistent with his family's beliefs and practices. Traditionally called tithing (giving a portion of one's inheritance or income) in some traditions, Phil and Ardath always shared their good fortune in this way, Saunders says.
"We decided to follow their practice (tithing) and tithe from our inheritance from them, giving to organizations with missions that we support and where the money could make a difference," Saunders explained. Saunders says that Unity College was selected as a recipient because of its strong environmental mission and way that it develops future natural resource and environmental education leaders.
The Phil and Ardath Saunders Memorial Scholarship will be awarded on the basis of merit and to students who are engaged in student teaching.
"This is a wonderful gift that will support the aspirations of Unity College students for generations to come," noted Dr. Melik Peter Khoury, Senior Vice President for External Affairs. "We express the most profound gratitude of the College to the Saunders family for this gift, and feel honored that the College was chosen because its mission so closely reflects the values and beliefs of Phil and Ardath Saunders."
In recent years Unity College has gained national attention for a variety of achievements including for its focus on sustainability science, the leading-edge of 21st century ecological problem solving and the vanguard in the fight for the mitigation of global climate change; its ground-breaking green innovations such as the award-winning TerraHaus, the first student residence on a college or university campus built to the Passive House standard, the most energy efficient building standard in the world; and being the first college in the United States to divest from investments in fossil fuels, igniting a growing national movement in higher education.
Through the framework of sustainability science, Unity College provides a liberal arts education that emphasizes the environment and natural resources. Through experiential and collaborative learning, our graduates emerge as responsible citizens, environmental stewards, and visionary leaders.


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Categories: Administrative and Regulatory Law Environmental Law
Instructor(s) Gilles, David
This course will provide an introduction to energy law and regulation. It will provide an overview of the basic principles of rate regulation and public utilities, with an emphasis on electricity providers. While the workshop will include legal issues related to large-scale, public utility transmission and generation projects, the focus will be on special considerations for emerging renewable energy projects, such as wind, biomass, waste-to-energy and biogas generation facility development in Wisconsin.


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Barring anything significantly changing, Brett Kavanaugh will likely be confirmed to the United States Supreme Court, despite having lied under oath, despite having taken off the mask and shown himself to be a man possessed of a whiny and cruel temperament, and despite the numerous allegations of sexual assault. Even if the democrats win every possible seat in the Senate next month, and even if there is a democratic majority in the House of Representatives come January, Brett Kavanaugh will not be impeached in 2019. That said, let us for a moment look beyond the three-ring circus that this confirmation process has become and address something even more significant: The U.S. Supreme Court itself.
In February 2017 I wrote a piece titled The Supreme Court – Our Best Hope which I began with
"Now that Congress has 'fallen into line' and is pandering to Trump's every whim, licking his boots and kissing his posterior, there is one last bastion of justice remaining: the United States Supreme Court."
This was a time just before Neil Gorsuch's confirmation, when I hoped that the three oldest Justices, Stephen Breyer, Ruth Bader Ginsburg, and Anthony Kennedy would be able to hold on and keep working for a few more years. It was a time when I still believed Donald Trump would be gone from office within a year. It was a time when there was still hope that our nation would be turned around before any lasting damage took place. It was a time, apparently, when I was still wearing my rose-coloured glasses.
The intention of the framers of the U.S. Constitution was that the Supreme Court would be above partisan politics. Surely, they realized that every man, even Supreme Court Justices would have their own set of beliefs, their own ideologies, but when they are sitting on the bench, they are expected to set aside their personal feelings and make decisions according to their interpretation of the Constitution based on the facts at hand. It is an idealist philosophy, and hasn't always been strictly followed, but by and large it has worked well. This is how we saw Roe v Wade passed in 1973 with only two dissenting opinions: Byron White and William Rehnquist. The court deemed abortion a fundamental right under the United States Constitution, a ruling that has seen controversy since its birth, but that has not been successfully challenged, nor should it be.
This post is not specifically about Roe v Wade, but rather I use it as an example of how the Supreme Court is supposed to function. A look at the justices in 1973:
Harry Blackmun – appointed in 1970 by Republican President Richard M. Nixon, became one of the more liberal justices on the court.
William Brennan – appointed in 1956 by Republican President Dwight D. Eisenhower in a recess appointment, became known as the leader of the Court's liberal wing.
Lewis Powell – appointed in 1971 by Richard M. Nixon, was a conservative, but known for compromise and often was the swing vote.
Thurgood Marshall – appointed in 1967 by Democratic President Lyndon B. Johnson, was the first African-American appointed to the Supreme Court. Marshall was a former Civil Rights activist, and expectedly his views were liberal to the extreme.
Warren Burger – appointed in 1969 by Richard M. Nixon, Chief Justice Burger was a conservative, but voted as a liberal when he felt it was right.
William Douglas – appointed by Democratic President Franklin D. Roosevelt in 1939, Douglas was primarily a liberal and a strict literalist in terms of interpreting the First Amendment.
Potter Stewart – appointed by Dwight D. Eisenhower in 1958, was firmly a centrist, often a swing vote.
William Rehnquist – appointed in 1972 by Richard M. Nixon, was a strong conservative.
Byron White – appointed by Democratic President John F. Kennedy in 1962 was neither liberal nor conservative, but by his own admission was a fact-based justice.
Nixon, a republican, had appointed four of the nine justices on the court when Roe v Wade came up for consideration, and Eisenhower had appointed two. It is worth noting that all nine justices were males. Six justices had been appointed by republican presidents, only three by democrats, and yet legalized abortion became the law of the land. This is what is meant by a court that rises above partisanship. This is how it is supposed to work. This is how 'justice' happens, folks. It does not happen when a president appoints justices solely because he expects them to vote according to his wishes every time!
The Supreme Court has most always been looked upon with respect and dignity. Historically, it has been a place where a lay person feels they should whisper, so as not to waken the ghosts of the many great men who have passed through its halls. Once Brett Kavanaugh is confirmed, that dignity will be gone, for he brings baggage that will soil the landscape, that will remove much of the honour that was brought by some of the greatest judges the nation has known:
- John Marshall, Chief Justice 1801-1835
- Earl Warren, Chief Justice 1953-1969
- Louis Brandeis, Associate Justice 1916-1939
- William Brennan, Associate Justice 1956-1990
- Oliver Wendell Holmes, Associate Justice 1902-1932
- John Marshall Harlan, Associate Justice 1877-1911
- Hugo Black, Associate Justice 1937-1971
And many other fine men and women. The dignity, the non-partisan justice of the court will be another bastion of our democratic process gone. When Senator Jeff Flake commented the other day that there is no value in reaching across the aisle to work toward compromise solutions, we knew Congress was no longer accountable to We The People. If Brett Kavanaugh is allowed to take his place on the Supreme Court, then the court will no longer belong to We The People either. Both Congress and the Court will have become a tool of the madman in the Oval Office.
You will find Fareed Zakaria's column in The Washington Post to be of interest on this same topic.


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Over 78 000 land certificates issued Over 78 000 land certificates issued
The Ministry of Land Reform yesterday announced it has registered and issued certificates for 78 629 customary land rights out of an estimated 240 000 applicants the ministry has targetted.
The ministry also announced it has registered and issued certificates for 857 leasehold rights. A further 151 008 land rights were mapped and digitised. The announcement was made at a one-day symposium on land tenure bankability themed, "Identification and Harnessing Wider (potential) Benefits for Communal Land Rights Registration in Namibia." The deputy permanent secretary in the Ministry of Land Reform, Esther Lusepani, said now that communal land registration is making good progress, the ministry intends to move a step forward by ensuring land tenure bankability for residents of communal land.
"Land tenure bankability can only be attained with the support and cooperation of the financial institutions in the country," said Lusepani who spoke on behalf of the deputy minister, Bernadus Swartbooi.
"It is through dialogue and the creation of a mutual understanding, as well as through the adjustments of existing processes, and, where required, out-of-the-box thinking, that we can advance the economic development of hundreds of thousands of our fellow Namibians," said Lusepani. Lusepani says the land question features prominently among the sensitive and complicated issues that Namibia is striving to resolve since independence.
She says circumstances under which land ownership passed from one social group to another, or from community to private individuals, has complicated matters further.
She added that Swapo Party's election manifesto of 1989 stipulates that the government led by Swapo is "committed to land reform to redress the imbalance created by the colonial policies of land allocation on a racial basis".
"Today the land in this country is divided into three categories, namely, state land at 20 percent, communal land at 36 percent and freehold commercial areas at 44 percent."
According to her, these tenure categories evolved mainly from the privatisation of communal land into freehold land during colonial times and from the proclamation of state land as parks for conservation and mining exploration.
Lusepani said that providing the Namibian people with access to land has been and remains one of the priorities of government.
The one-day seminar was attended by financial experts from the Development Bank of Namibia, Agricultural Bank of Namibia, First National Bank, Bank Windhoek, Standard Bank, Bank of Namibia (BoN), Government Institutions Pension Fund (GIPF), Kongalend, National Planning Commission (NPC), Ministry of Land Reform and NamWilika Investment.


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The Sacramento Police Department will be conducting a sobriety and driver license checkpoint on Saturday, June 8, 2013, on Stockton Blvd near Lawrence Drive. It will begin at 8:00 p.m. and run for 5 to 7 hours. Traffic flowing through the checkpoint will be contacted by uniformed officers, who will be checking for alcohol and/or drug-impaired drivers. When possible, specially trained officers will be available to evaluate those suspected of drug-impaired driving. Officers will also check to make sure all drivers have a valid driver's license. Drivers caught driving impaired can expect jail, license suspension, and insurance increases, as well as fines, fees, DUI classes, and other expenses that can exceed $10,000.
In 2011, nearly 10,000 people were killed nationally in motor vehicle traffic crashes that involved at least one driver or motorcycle rider with a blood alcohol concentration of .08% or higher. In California, this deadly crime led to 774 deaths because someone failed to designate a sober driver. According to the National Highway Traffic Safety Administration (NHTSA), checkpoints have provided the most effective documented results of any of the DUI enforcement strategies, while also yielding considerable cost savings of $6 for every $1 spent. Based on collision statistics and frequency of DUI arrests, DUI checkpoints are placed in locations that have the greatest opportunity for achieving drunk and drugged driving deterrence. Locations are chosen with safety considerations for the officers and the public.
"DUI checkpoints have been an essential part of the phenomenal reduction in DUI deaths that we witnessed since 2006 in California," said Christopher J. Murphy, Director of the Office of Traffic Safety. "But since the tragedy of DUI accounts for nearly one third of traffic fatalities, Sacramento needs the high visibility enforcement and public awareness that checkpoints provide."
The purpose of the checkpoint is to promote public safety, increase awareness of the dangers associated with drinking and driving, and serves as a deterrent to potential impaired and unlicensed drivers. Remember, drive sober or get pulled over and report drunk drivers – call 911. Funding for this program was provided by a grant from the California Office of Traffic Safety, through the National Highway Traffic Safety Administration.
Please direct any inquiries to Sergeant Chris Prince at (916) 808-6069. Media is encouraged to attend the checkpoint in an effort to spread awareness about the impacts of drinking and driving.
Sacramento Police Media Relations · (916) 808-0808 · email@example.com
The Mission of the Sacramento Police Department is to work in partnership with the Community to
protect life and property, solve neighborhood problems, and enhance the quality of life in our City.


text: I have a question. How do you change the title of a thread after you have already created it? I changed the title to one of the threads that I have started, but the change only shows up when you click on the thread and not in the index. Any suggestions?


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CLADDINGS EXTERNAL Profiled Sheets Composite Metal suppliers
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Euroclad is the UK's home-grown, independent supplier of metal roof and wall products which use non-combustible* cores and provide exceptional performance acoustically and thermally for the life of a building. Systems are sustainably credible with proven routes for recycling and disposal. Euroclad listens to the needs of its customers and offers high performance, cost effective solutions. Cutting edge UK manufacturing maintains Euroclad's position at the forefront of the cladding industry, supported through on-going investment in technology, people and processes.
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Report: US Protestants Lose Majority Status
NEW YORK (AP) - For the first time in its history, the United States does not have a Protestant majority, according to a new study.
The Pew Forum on Religion & Public Life says the percentage of Protestant adults in the U.S. has fallen to 48 percent, while the number of Americans with no religious affiliation has increased from 15 to 20 percent in the last five years.
The trend has political implications. Americans who describe themselves as having no religion vote overwhelmingly for Democrats and support abortion rights and gay marriage at a much higher-rate than the U.S. public at large.
But the unaffiliated include people who still say they believe in God, pray daily or consider themselves "spiritual" but not "religious."
(Copyright 2012 by The Associated Press. All Rights Reserved)


text:
The Biblical Code
Last revised: 23 November 2006
The language of mystery
I have said earlier that some religious teachers met a violent end; Jesus is only the first example that may arise in the mind. For them to be able to discuss the mysteries in a manner explicable to those with ears to hear while going over the heads of the worldly-minded, the religious teachers of other days sometimes spoke in code. In these essays, we shall take up point to a few examples of that code and translated their encoded words back into plain and simple language again, as best we can.
The Biblical code is a repository of metaphors, parables, and proverbs relating to profound realities. For example, "the fire ever burning on the altar" usually means the immortal Self in the heart; (1) "the temple of God" is usually the human body that houses the Self; (2) "the garments" or "clothes" often represent the desires and thoughts in which a person is clothed that obscure the Self from our view; (3) "clouds" and "glory" often refer to the Holy Spirit, as do the phrases "Word of God," "Amen," "Wisdom," etc. See "The Divine Mother or Holy Spirit" at http://www.angelfire.com/space2/light11/mother.html.
Sometimes these metaphors are used to make a difficult topic more easily understandable. Pseudo-Dionysius describes this work that the code does.
We … grasp these things in the best way we can, and as they come to us, wrapped in the sacred veils of that love toward humanity with which scripture and hierarchical traditions cover the truths of the mind with things derived from the realm of the senses. And so it is that the Transcendent is clothed in the terms of being, with shape and form on things which have neither, and numerous symbols are employed to convey the varied attributes of what is an imageless and supra-natural simplicity. (4)
More often, the code was used to couch profundities in a veil of mystery, as Jesus explained to his disciples.
The disciples came, and said unto him, Why speakest thou unto them in parables?
He answered and said unto them, Because it is given unto you to know the mysteries of the kingdom of heaven, but to them it is not given. …
Therefore speak I to them in parables: because they seeing see not; and hearing they hear not, neither do they understand. (5)
It was not given to the worldly to understand the mysteries. Of them St. Paul says:
If our gospel be hid, it is hid to them that are lost [in worldliness]:
In whom the god of this world hath blinded the minds of them which believe not. (17)
Even the religious masters of Israel, like Nicodemus, were to be found among the ranks of the worldly. Here Nicodemus, having asked Jesus for the truth, cannot penetrate his seeming riddles.
Nicodemus said unto him, How can a man be born when he is old? can he enter the second time into his mother's womb, and be born? …
Jesus answered and said unto him, Art thou a master of Israel, and knowest not these things? …
If I have told you of earthly things, and ye believe not, how shall ye believe, if I tell you of heavenly things? (18)
All such metaphors as being born again, being redeemed, raised up, saved, sitting with Jesus in Paradise, or returning to the temple and going no more out are all synonyms for enlightenment, the realization of God the Father, which we have seen to be the purpose of life.
Jesus is telling Nicodemus that a man must be born again — that is, he must experience the death of the ego and the realization of the Self or Christ — before he can enter the Kingdom of Heaven.
Jesus' own disciples sometimes had trouble with his sayings. But they were his sheep and he held out to them the promise that one day (the day of enlightenment) they would understand all.
These things have I spoken unto you in proverbs: but the time cometh, when I shall no more speak unto you in proverbs, but I shall shew you plainly of the Father. (19)
My understanding is that Jesus has spoken until now in proverbs and parables in order to conduct a public ministry and yet reach only the ears of the spiritually ripe. The times in which he preached, as history showed, were intolerant. But he promises that that a day will soon come when he will show his disciples the Father plainly. This is the promised day or redemption or enlightenment. (See footnote 20 for an instance of the Master showing the ripe disciple the Father plainly.)
There is a poignant moment when Jesus tells his disciples a deep spiritual mystery in a single sentence. We have had occasion to examine that statement before. It is Jesus summarizing the spiritual parabola, the sacred arc, away from and back to God. He says: "I came forth from the Father, and I am come into the world: again, I leave the world, and go to the Father." (21)
His disciples take Jesus literally and respond: "Lo, now speakest thou plainly, and speakest no proverb." (22) But Jesus has uttered a highly-compressed proverb, a kernel of truth, which appears to have escaped them. Such was the ignorance that surrounded the master that he chose to wrap his nuggets of wisdom in timeless but enigmatic parables and jewel-like proverbs even with his own disciples.
A Treasury of Enlightenment Motifs
With the help of the many commentaries and interpretations now available to us, we can interpret parts of the scriptural code and reveal the Bible for what it is — a rich treasury of enlightenment formulas and motifs, tableaux and dramas. Its word-pictures have already burnt themselves into our collective memories, each there recording something vital about enlightenment.
I am going to take one example and develop it at some length. It suggests that the Biblical masters had knowledge of the chakra system and the kundalini. We start with a passage from Exodus:
Be ready in the morning, and come up in the morning unto Mount Sinai, and present thyself there to me in the top of the mount.
And no man shall come up with thee, neither let any man be seen throughout all the mount; neither let the flocks and herds feed before that mount. (23)
St. John of the Cross explains the significance of the divine drama of Moses' ascent up Mount Sinai. St. John shows us that the ascent is a consciously-directed set of actions, designed to leave in our recollection an enlightenment tableau.
When God ordered Moses to climb to the top of the mountain … He commanded Moses not only to ascend alone, and leave the children of Israel below, but to rule against the pasturing of beasts on the mountainside. [Ex. 34:3] The meaning is that a person ascending this mount of perfection to converse with God must not only renounce all things, by leaving them at the bottom, but also restrict his appetites (the beasts) from pasturing on the mountainside, on things which are not purely God. For in God, or in the state of perfection, all appetites cease. (24)
St. John of the Cross furnishes us with one clue to the drama here. In another section of his book, he gives us a second clue to unlock the full meaning of the Sinai drama. St. John of the Cross was spiritual director to the nuns and monks of the reformed Carmelite order. He drew a picture once of the ascent up Mount Carmel which he counselled them to undertake. What was the Mount Carmel he depicted? It was the human head. (25)
St. John depicts the human spine ending in the brain. He is testifying to the knowledge of what Easterners term the kundalini, which Da Free John called "the current of immortal joy." (26) There are hints in his works that he knew of the chakra system. For instance, he describes his enlightenment experience, making reference to "lilies," which could be his term for the chakras.
I abandoned and forgot myself,
Laying my face on my Beloved;
All things ceased; I went out from myself,
Leaving my cares
Forgotten among the lilies. (27)
The ascent of the kundalini figured prominently in the enlightenment of Franklin Merrell-Woolf. Let us hear a modern-day description of that spiritual energy.
The Current is clearly a subtle, fluid-like substance which brings the sense of well-being already described. Along with It, a more than earthly Joy suffuses the whole nature. To myself, I called It a Nectar. Now, I recognize It under several names. It is … the 'Soma,' the 'Ambrosia of the Gods,' the 'Elixir of Life,' the 'Water of Life' of Jesus, and the 'Baptism of the Spirit' of St. Paul. It is more than related to Immortality; in fact it is Identical with Immortality. (28)
To the sensuous consciousness It appears as of the nature of a fluid, for there is a sense of 'flowing through.' It penetrates all tensions with the effect of physical release. Spots that are not so well feel both rested and stronger. All over and through and through there is a quality that may well be described as physiological happiness. The organism feels no craving for sensuous distraction in order to find enjoyment. The external life of the individual could appear highly ascetic and austere to others, but all the while it would be profoundly happy. …
I wish, by every means possible, to make the point clear that in the Current lies the highest possible value which, from the relative standpoint, we call enjoyment. (29)
Sri Ramakrishna tells us that "a man's spiritual consciousness is not awakened unless his Kundalini is aroused." (30) The climb of the kundalini from the base of the spine to the crown of the skull is the real ascent of Mount Sinai or Mount Carmel that results in enlightenment. Sri Ramakrishna describes the entire course of the Kundalini up the spine.
The Kundalini dwells in the Muladhara [chakra, at the base of the spine]. When it is aroused, it passes along the Sushumna nerve, goes through the centres of Svadhisthana, Manipura, and so on, and at last reaches the head. (31)
With ordinary people the mind dwells in these [first] three planes, at the organs of evacuation and generation and at the navel. (32)
The awakening of the Kundalini is the beginning of spiritual consciousness, and its union with Siva in the Sahasrara [seventh chakra], ending in samadhi [absorption in God], is the consummation. (33)
St. John's drawing of the ascent of Mount Carmel implies knowledge of the importance of the body's spiritual energy system. St. Paul was probably also aware of it. If we know that what Christians call the Holy Spirit Hindus call, among other names, Shakti (Energy) and Mother Kundalini, then we can see the special significance in St. Paul's observations that the Holy Spirit dwells in the temple of God, which is the human body, as the spiritual energy or kundalini.
Know ye not that ye are the temple of God, and that the Spirit of God dwelleth in you? (34)
What? Know ye not that your body is the temple of the Holy Ghost which is in you, which ye have of God, and ye are not your own? (35)
The body is wholly an artifact of the Holy Spirit, who made matter itself and who resides in the body as the kundalini energy. (See "The Divine Mother or Holy Spirit" at hhtp://www.angelfire.com/space2/light11/mother.html.
King Solomon also betrays knowledge of the kundalini system when he states that "wisdom hath builded her house [the body], she hath hewn out her seven pillars [the chakras]." (36)
The image of Moses climbing Mount Sinai, leaving the Israelites and the beasts of the field at the base of the mountain (probably the fourth chakra, where one experiences the first enlightenment or "spiritual awakening") and ascending the hill to the top (the seventh chakra) where he receives the law (that is, where one experiences God-Realization or Brahmajnana) is a tableau that prepares us to know the work of the kundalini.
After the spiritual energy reaches the fourth chakra, all our thoughts and appetites (represented by the Israelites and beasts) fall away from us and we journey alone from there (i.e., without the worldly desires of the mind). When the kundalini reaches the seventh or crown chakra, we are united with God and blessed with profound wisdom (i.e., we receive the law).
This encoded enlightenment motif has been impressed on the minds of those who have read the dramatic tale of Moses' ascent of Mount Sinai; later enlightenment teachings can be mapped onto it. What we might have questioned or rejected if described in straightforward language has been accepted without difficulty when acted out or ensconced in the Biblical code.
Nor is this use of a code restricted to the Bible. Here it is discussed in the Koran. The angelic author testifies to depriving the worldly of the ability to understand the secret lore contained in the scriptures. His words hauntingly echo those of Jesus. Says he:
We have cast veils over their hearts, lest they should understand Our words, and [have] made them hard of hearing. Call them as you may to the right path, they shall never be guided. (37)
Allah leaves in error whom He will, and guides those who repent and have faith; whose hearts find comfort in the remembrance of Allah. (38)
He couches his descriptions of enlightenment in metaphors, knowing that scoffers will not be able to penetrate them: "We coin these similes for the instruction of men; but none will grasp their meaning except the wise." (39) Thus the scriptural practice of speaking in code was not limited to the Jewish and Christian traditions.
For full details on these sources, see Bibliography at http://www.angelfire.com/space2/light11/bib.html.
(1) "The fire shall ever be burning upon the altar; it shall never go out." Leviticus 6:13.
(2) I Corinthians 3:16.
(3) Genesis: 35:2; Exodus 19:10.
(5) Matthew 13:10-11 and 13
(6) Matthew 7:6.
(7) I Corinthians 2:7-8.
(8) Colossians 1:26-7.
(10) Ibid., 58.
(12) ESO, 49. Cf. Paul in Romans 8:38 and Colossians 1:16-7.
(15) Proverbs 1:6.
(16) Matthew 7:6.
(17) II Corinthians 4:3.
(18) John 3:4 and 10.
(19) John 16:25.
(20) Paramahansa Ramakrishna offers a very interesting example of the the Master or Personal God showing the ripe aspirant the Father or Impersonal God plainly. He had a vision of Shiva (the Personal God) at the Banares burial grounds revealing Brahman (the Father, the Impersonal God) to the aspirant upon his death.
Said Siva to the aspirant: "'This is My aspect with form, My embodiment in maya. I assume this form for the sake of the devotees. Now look. I am merging in the indivisible Satchidananda!' Uttering these words, Siva withdraws His form and enables the dying person to see Brahman." (GSR, 584.)
(21) John 16:28.
(22) John 16:29.
(23) Exodus 34:2-3.)
(25) Ibid., 66-7.
(29) Ibid., 20-1.
(31) Loc. Cit.
(32) Ibid., 245.
(34) I Corinthians 3:16.
(35) I Corinthians 6:19.
(36) Proverbs 9:1.
(39) Ibid., 194
For Bibliographical references, see Bibliography, http://www.angelfire.com/space2/light11/bib.html.


text:
1870 $1 N1 Certification #38681602, PCGS #6963
Owner's Comments
Genuine ef detail grafifty
Expert Comments
Q. David BowersThe following narrative, with minor editing, is from my "Silver Dollars & Trade Dollars of the United States: A Complete Encyclopedia" (Wolfeboro, NH: Bowers and Merena Galleries, Inc., 1993).
Coinage Context
Distribution: For the first time since the late 1840s, quantities of a Philadelphia Mint dollar remained within the borders of the United States. However, many 1870 silver dollars were also exported to China. All coins were paid out to depositors at the time of coining. Any 1870 dollars found in Treasury vaults in later years were coins returned to the government, possibly in the mid-1870s.
Dollars of the 1870s, particularly Philadelphia issues, appear to have circulated extensively domestically, judging from the availability of Very Fine and Extremely Fine coins today, many of which came to light in bags of circulated coins released through the Federal Reserve System in the early 1960s.
Numismatic Information
Circulated grades: Liberty Seated dollars of 1870 are relatively easy to acquire in circulated grades. Numerous worn specimens came to light in the Treasury release of 1962-1964, and before that they were also easy to find.
Availability of Mint State grades: Although the 1870 dollar is relatively plentiful in circulated grades, true Mint State coins are elusive. Few were saved at the time of release by those who owned them, which probably began domestically after 1873 when silver dollars were no longer worth more in bullion value than face value.
Circulation strikes:
1-2. Normal Date: Breen-5482. Obverse: Normal date. At least two varieties of obverses exist, differentiated by slight positional differences in the date.
3-5. Normal Date: Breen-5483. Obverse: Normal date. Reverse: At least three varieties show doubling on the reverse, plainest either on feathers at the left or on the lowest edges of leaves, claws, and arrows.
Dies prepared: Obverse: Unknown; Reverse: Unknown
Circulation strike mintage: 415,000; Delivery figures by day: January 20: 12,400; January 27: 9,300; February 2: 9,000; February 3: 12,000; March 3: 17,000; March 5: 10,000; March 7: 9,000; March 10: 16,000; March 11: 8,200; March 28: 4,600; April 7: 4,500; April 12: 21,000; April 13: 1,000; April 18: 16,000; April 20: 15,000; April 27: 13,000; April 30: 8,000;June 15: 15,600;Junee 22: 5,000; June 30: 6,700; July 7: 10,300; July 2: 13,000; September 7: 6,000; September 17: 10,300; October 29: 11,000; November 6: 20,000; November 9: 5,000; November 15: 19,000; November 17: 11,400; November 23: 8,000; November 26: 8,000; November 29: 5,000; December 2: 12,000; December 7: 13,000; December 15: 12,700; December 19: 15,000; December 28: 8,000.
Estimated quantity melted: Unknown
Characteristics of striking: Varies; some have a curious pattern of weakness, with stars 10 through 13 weak, but 8, 9 and other stars more sharply defined.
Known hoards of Mint State coins: None
This is the first Liberty Seated dollar dated since the 1840s which is reasonably easy to find in circulated grades.
Additional Information
Director Pollock's Commentary
In the Annual Report of the Director of the Mint, 1870, James Pollock commented as follows:
"The mint work is necessarily hindered and restricted by the continued suspension of specie payments. We are doing less than was done many years ago, when there was a much smaller population and far less wealth. Certainly there is no need of creating any more coining establishments. (In general, mint directors of the era favored the Philadelphia Mint and, to an extent, San Francisco, and were critical of other mints, either actual (that at New Orleans and the newly opened Carson City facility) or proposed new mints.)
"Emerging from a tremendous Civil War which shook every social interest to the very foundation, it is no wonder that our currency continues in an abnormal condition. Most of our people rarely get the sight of a gold or silver coin. (Most small transactions were accomplished by using paper Fractional Currency notes, often dirty and tattered, disdainfully called "stamps" by the public. This name was derived from the original Postage Currency issue of 1862, which depicted postage stamps and occasionally came with perforated edges like those of actual stamps. These in turn had replaced postage stamps of 1861 as small change.) They know, by the state of the money market, the relation between the precious metals and current paper notes, and they must be kept advised of this to understand what is the real value of those notes; but the gold by which the measure is made, is almost as much out of sight as the sacred pound troy, or kilo-gram, carefully guarded as the final resort. (This is a reference to the standard weight, obtained from England, used to calibrate scales and other units of measure at the Mint. The standard weight is now (1992) at the National Bureau of Standards, Bethesda, Maryland. Also see item from Evans, quoted below.)
"But the people at large will never give up the idea that the real money is made of gold and silver; made of definite weight and fineness, and certified by government stamp. They will use paper, and its use will increase; its imponderable property makes it a very great convenience. Still it is only paper; a little fire or water destroys it; and if it does not bear a market relation to gold, it may be kept safe, and yet will buy nothing. A cabinet minister of England has intimated that we might do without gold and silver money, were it not that we must bend to popular prejudices. But in this matter the common sense of the masses is superior to the subtle arguments of statesmen and financiers. Paper, guaranteed by Government, answers some of the ends of money, at least within the bounds of its Government; but gold primarily, and silver as a subsidiary, perfectly answer all the requirements of currency."
At the Mint, experiments continued with silver coins labeled STANDARD SILVER but of lower weights than those authorized by the Act of 1853. As was the case with 1869 STANDARD SILVER patterns, many unnecessary varieties were made. The 1870 coinage included pieces denominated STANDARD 1 DOLLAR.
Proposals in 1870
The following proposals appeared in 1870. These and various alternatives and discussions ultimately led to the Act of February 21, 1873. The quotations below are from a retrospective commentary published in the Annual Report of the Director of the Mint, 1896:
"SILVER DOLLAR-ITS DISCONTINUANCE AS A STANDARD. The coinage of the silver dollar piece, the history of which is here given, is discontinued in the proposed bill. It is by law the dollar unit, and assuming the value of gold to be fifteen and one-half times that of silver, being about the mean ratio for the past six years, is worth in gold a premium of about 3% (its value being $1.0312) and intrinsically more than 7% premium in our other silver coins, its value thus being $1.0742. The present laws consequently authorize both a gold dollar unit and a silver dollar unit, differing from each other in intrinsic value. The present gold dollar is made the dollar unit in the proposed bill, and the silver dollar piece is discontinued. If, however, such a coin is authorized, it should be issued only as a commercial dollar, not as a standard unit of account, and of the exact value of the Mexican dollar, which is the favorite for circulation in China and Japan and other Oriental countries."
The preceding echoed the proposal of John Jay Knox, Deputy Comptroller of the Currency, on April 25, 1870.
Commenting on the proposed changes of the coinage laws, Hon. Henry R. Linderman, erstwhile director of the Mint, wrote to Knox on January 25, 1870 about many things, including silver dollars:
"Section 11 reduces the weight of the silver dollar from 412-1/2 to 384 grains. I can see no good reason for the proposed reduction in the weight of this coin. It would be better, in my opinion, to discontinue its issue altogether. The gold dollar is really the legal unit and measure of value. Having a higher value as bullion than its nominal value, the silver dollar long ago ceased to be a coin of circulation; and, being of no practical use whatsoever, its issue should be discontinued."
James Ross Snowden, another former director of the Mint, wrote to Knox with his views on March 11, 1870, including these on the silver dollar:
"I see that it is proposed to demonetize the silver dollar. This I think inadvisable. Silver coins below the dollar are now not money in a proper sense, but only tokens. I do not like the idea of reducing the silver dollar to that level. It is quite true that the silver dollar, being more valuable than two half-dollars or four quarter-dollars, will not be used as a circulating medium, but only for cabinets, and perhaps to supply some occasional or local demand; yet I think there is no necessity for so considerable a piece as the dollar to be struck from metal which is only worth ninety-four cents. When we speak of dollars let it be known that we speak of dollars not demonetized and reduced below their intrinsic value, and thus avoid the introduction of the contradictory and loose ideas of the standards of value."
E.B. Elliott, of the Treasury Department, wrote to Knox about the proposed bill on June 10, 1870, and had the following to say about silver dollars:
"The bill proposes the discontinuance of the silver dollar, and the report which accompanies the bill suggests the substitution, for the existing standard silver dollar, of a trade-coin of intrinsic value equivalent to the Mexican silver piaster or dollar.
"If the existing standard silver dollar is to be discontinued, and a trade-coin of different weight substituted, I would suggest the desirableness of conforming to the Spanish-Mexican silver pillared piaster of 1704, in preference to that authorized by the Spanish law of 29th [May] 1772, or by the Mexican law of 27th November 1867.
"The first-mentioned of these coins, that of 1704, contained, as nearly as may be, according to English assays, a weight of pure silver equivalent to 25 grams. The last-mentioned, that of 1867, and which is intended to be equivalent to that of 1772, contains of pure silver 24.441 grams. The existing silver dollar of the United States contains 24.056 grams (i.e., 371-1/4 troy grains) of pure silver.
"In the year 1704, by proclamation of Queen Anne, based on assays at the English mint, the Spanish and Mexican pieces of eight (or dollars) were declared to be each of the value of four shillings and sixpence sterling. At this time, and until the year 1816, sixty-two shillings could be coined from a troy pound of standard silver, 111/120 fine; consequently, the dollar of 4s. 6d. sterling was equivalent in value to 386.71 troy grains, or 25.059 grams, of pure silver. Of these dollars, there would, of course, be, four and four-ninths, in a pound sterling, (silver standard). The sterling par of exchange from that time to the present day has been one pound sterling, equal to four dollars and four-ninths of a dollar although silver has ceased to be a standard in Great Britain, and has practically ceased to be a standard in the United States, gold taking its place. This dollar, divided into six shillings, became thence-forth the standard of lawful money in the American colonies of Great Britain.
"By Act of the Congress of the Confederation, passed 8th August 1786, and by the ordinance of 16th October 1786, a silver dollar was established as a unit of account, although not coined, containing of pure silver 375.64 troy grains (or 24.388 grams). This unit differed-as has been clearly pointed out by John Quincy Adams, in his able report as Secretary of State in 1821, on 'weights and measures'-from the true dollar of 1704 as defined by the proclamation of Queen Anne, by a deduction of 2% for estimated wastage of coining, and by assuming the fineness of the metal to be 11/12, whereas the fineness of standard British silver was then, as now, 111/120.
"The law of 2d April 1792, of the new Congress, which established the Mint of the United States, also fixed the contents of pure silver in the standard silver dollar at 371-1/4 grains (or 24.056 grams), a reduction of 4% from the standard established by proclamation in 1704 and of 1-1/7% from the dollar prescribed in 1786 by the Congress of the Confederation.
"This dollar (unlike the preceding) is not based on the Spanish-Mexican dollar of 1704, but on the Spanish-Mexican dollar of 1772, from Which it was derived by weighing of a large number of such coins as found in actual circulation, and consequently considerably reduced by abrasion, nearly 1.6%, below the standard at which they were issued by the Mexican mint.
"The weight of pure silver in the dollar has continued unchanged from that time to the present, although the standard weight of the coin itself, reduced by a withdrawal of 3-1/2 grains of alloy, has been somewhat diminished.
"It appears, therefore, that the existing silver dollar, although professedly based on the Spanish or Mexican silver dollar, does not fairly represent any coin ever issued from those mints; that it is merely a representative of the average of abraded Spanish-Mexican coins.
"The coins most in demand for Oriental commerce were for many years the pillared Spanish-American piasters; and such was their popularity that they continued to be preferred long after their intrinsic value had been considerably reduced by wear in use. The restoration, as a trade coin, of a silver dollar, approximating to the old standard, to wit: one containing 25 grams of pure silver, is a subject which would seem to demand favorable consideration.
"It may be well here to. call attention to the fact that the French silver coin of five francs, contains, of standard silver, 9/10 fine, just 25 grams, which also is the weight proposed for two half dollars of the token or subsidiary coinage of the United States, in case that a metric coinage is adopted. The intrinsic value of the proposed subsidiary coinage would therefore be less by just one-tenth than that of the commercial silver coin here proposed.
"Very respectfully, "E.B. ELLIOTT.
"[To] JOHN JAY KNOX, Esq.,
"Deputy Comptroller of the Currency,
"United States Treasury Department. "
The Standard Pound
The following is from Illustrated 'History of the United States Mint, by George G. Evans, 1885:
"The unit of weight in the United States is a troy pound weight obtained from England, a duplicate of the original standard fixed by the commission of 1758, and reasserted by the commission of 1838. It is a bronze weight of 5,760 grains troy. It is kept in a strong safe at the United States Mint in Philadelphia, The president appoints an Assay Commission, whose members meet at Philadelphia annually, upon the second Wednesday in February, to open the safe and compare the copies, or the working weights, with the original upon the most delicately poised balances. Working standards of weights and measures are supplied by the Secretary of State to the state governments, which in turn supply them to the sealers of weights and measures of the various counties, who must compare with the state standard once a year."
Christian Gobrecht
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text: Event details October 10, 2020 12:45 AM 518 W Fleming Dr, Morganton, North Carolina NC 28655 Join us for our Sunday Worship Experience each week at 10:45 AM! Save Event to Calendar Save to iCalendar Save to Google Calendar Save to Outlook Save to Outlook Online Save to Yahoo! Calendar


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adjective; satisfied, contented, happy, pleased.
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Grey and white satin ribbon featuring Welsh for congratulations - llongyfarchiadau 3m roll
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text: If Jan St Warner and Andi Tomi ever devised a Mouse on Mars manifesto, it must be this: music made molten and moulded anew. Their po-mo approach can be heard albums like the tiki-tronic Iahora Tahiti, where the sounds of 50s exotica - the soundtrack of serial seducers and suburban swingers - are bounced back by satellites, frayed by signal decay and pitted by space debris. After three acclaimed albums for Too Pure, MoM set up their own label Sonig, christening the imprint with two albums, Instrumentals (later reissued by Domino) and the rejected soundtrack commission Glam. Initially conceived as a hit and run, vinyl only operation, Sonig has moved from fast company to stable haven for MoM's kindreds, housing Kosmiche folk outfit Workshop, France's Scratch Pet Land and England's Vert. Meanwhile Werner used inter-album layoffs to activate two side projects, dropping into solo mode as Lithops and forming Microstoria, a mutually beneficial mind-meld with Oval's Markus Popp. A subtle shift in MoM's sound strategy came with 99's Nuin Niggung and 2001's Idiology, two stylistically diverse affairs that brought a pastoral tone to their blend of playfully processed pop and bleeding edge electronics, a passport out of the artificial wonderland and proof it was impossible to guess where this mercurial unit is headed next.


text:
Home Comforts: The Art and Science of Keeping HouseDe (autor) Cheryl Mendelson
en Limba Engleză Paperback – May 2005
Cheryl Mendelson is a philosopher, lawyer, sometime professor, and a homemaker, wife, and mother. Home Comforts is based on her domestic education, which she acquired while growing up on a farm in the hills of Greene County, in southwestern Pennsylvania, from her grandmothers, aunts, and mother. Learning from the distinct domestic styles of her native Appalachian relatives and her Italian immigrant relatives, she appreciated early on how important domestic customs are to a sense of comfort and identity in life. She writes out of love and respect for her subject, and hopes to inspire others to develop the affection and respect for home life and housework she was fortunate to have learned.
Mendelson addresses the meanings as well as the methods of housekeeping with a keen sense of the history and values involved. The result is a warm, good-humored, engagingly written book with a message and a point of view, one that is overflowing with useful reflections and information. The clarity, breadth, and depth of the information collected here are unparalleled. You can read Home Comforts for thoughtful entertainment or use its ample index to help you find the answers to practical domestic questions. There is nothing quite like it.
Among this book's unique features:
· A skeptical discussion of the excessive use of disinfectants in the home. · How to iron a dress shirt and how to fold sheets. · How to make up a bed with hospital corners. · How to do all basic sewing stitches. · How to choose proper sizes for sheets, tablecloths, and other household linens. · How to set the table for informal and formal meals. · Expert recommendations for safe food storage. · The most exhaustive and reliable information on fabrics, textile fibers, and their laundering, drying, and other care that exists for nonprofessionals. · A thorough explanation of care labels and why and how you should often (carefully) disregard them. · Housekeeping guidelines for people with pets or with allergies. · What to do about dust mites. · How to clean and care for wood, china and crystal, jewelry, ceramic tile, metals, and more. · Guides to stain and spot removal. · Extensive recommendations for improving home safety. · A summary of laws applicable to the home, including privacy, accident liability, contracts, and domestic employees.·
· 200 Elegant, Clear Drawings ·
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Pagini: 896
Dimensiuni: 166 x 236 x 40 mm
Greutate: 1.2 kg
Ediția: Scribner Trade.
Editura: Scribner
Pagini: 896
Dimensiuni: 166 x 236 x 40 mm
Greutate: 1.2 kg
Ediția: Scribner Trade.
Editura: Scribner
Notă biografică
Cheryl Mendelson received her Ph.D. in philosophy from the University of Rochester and her J.D. from Harvard Law School. She has practiced law in New York City and has taught philosophy at Purdue and Columbia Universities. She lives in New York City with her husband and son.


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text:
Ninja Hattori-kun
Alternative Titles
English: Ninja Hattori-kun
Synonyms: Hattori the Ninja, Hattori, the Little Ninja, Ninja Hattori
Japanese: 忍者ハットリくん
Type: TV
Episodes: 694
Status: Finished Airing
Aired: Sep 28, 1981 to Dec 25, 1987
Premiered: Fall 1981
Broadcast: Unknown
Producers: None found, add some
Licensors: None found, add some
Studios: Shin-Ei Animation
Source: Manga
Genres: Slice of Life, Comedy, Martial Arts, Shounen
Duration: 10 min. per ep.
Rating: G - All Ages
The everyday Sanyo family gets an unexpected surprise in the shape of a new lodger-Hattori is a ninja boy who has come down from the Iga mountains to attend normal school. Befriending Kenichi Sanyo, who is the same age as he, Hattori starts attending school undercover, occasionally accompanied by his brother, Shinzo, Shishimaru the ninja dog, and Kenichi's girlfriend, Yumeko. The gang is also threatened by the rival Koga ninja, Kemumaki, and his evil sidekick, Kagechiyo the Shadow-cat.
(Source: The Anime Encyclopedia)
396 : Google Drive


text:
We've been enjoying the heck out of Kevin Wada and Max Wittert's X-Men clothing line (previously: 1, 2) — these drawings transform Marvel Comics' strangest superteam into a collective of blasé performance artists who blow Xavier's endowment on smart drinks imported from the farthest reaches of the Shi'ar Empire.
Here's Wada and Wittert's latest batch of mutant raiments. I want Moonstar's shoes in loafer form. Also, Jeanne-Marie and Jean-Paul Beaubier need to record a yé-yé single produced by Sébastien Tellier. Big ups to Cortexiphansession.
Danielle Moonstar
Scarlet Witch
Aurora and Northstar
Ms. Marvel (she hung out with the X-Men during the early 1980s Chris Claremont era.)
Dead Girl (of The X-Statix)


text:
August 28, 1916 - July 28, 2013
Newburgh, NY
Patrick "Pat" Anthony Tarsio, of Newburgh, proprietor of Pat Tarsio Lanes and Pat Tarsio Bowling Time Lanes and a lifetime resident of the area, entered into rest on Sunday, July 28, 2013 at home with his family by his side. He was 96.
Son of the late Antonio and Filomena (Troncilito) Tarsio, he was born August 28, 1916 in Newburgh. He married the late Alice F. (Ferreri) Tarsio on August 27, 1939 in Sacred Heart Church in Newburgh. Pat was a member of St. Francis Church, Newburgh, Newburgh Bowling Hall of Fame, Newburgh Softball Hall of Fame, Newburgh Elks Lodge #247 and the NY State Harness Racing Association for 40 years.
Pat was a lifelong resident of Newburgh, he started his career with Favino Plumbing in the early 1930's, then during the war he worked in Eureka Shipyard. After the war he worked at Shapiro Distributor and then in the late 1940's he and his brother Peter started Tarsio Brothers Confectionary. He sold Tarsio Brothers in 1959 when he then built and opened Campi-Tarsio Lanes with his partner, Lou Campi. In later years it became Pat Tarsio Lanes. In 1995 he then purchased the Bowling Time Lanes and that became Pat Tarsio Bowling Time Lanes. During these years, Pat became a Professional Bowler and one of the founding members of the Professional Bowlers Association. During his bowling career he recorded an 834 three game series which was the highest series for that year, and had multiple 300 games. In 1970 Pat also fell in love with Harness Racing which lasted over 40 years. One of his greatest pacers was named Alice Tarsio, after his wife, who went on to become a champion.
Pat leaves behind three daughters and two sons: Phyllis Babcock and her husband, Donald Sr. of Myrtle Beach, SC, Lucille Connelly and her husband, Thomas of Newburgh, NY, Carole Tarsio and her companion, Alan Drobner of Newburgh, Anthony Tarsio and his wife, Diedre of Newburgh and Patrick Tarsio Jr. and his wife, Linda of Newburgh; he was blessed with 15 grandchildren and 14 great-grandchildren: Donald Babcock Jr., Kevin Babcock Sr. and his wife, Ramina, Dr. James Connelly and his wife, Audra, Mary Connelly, Thomas Connelly and his wife, Katy, Paul Lander and his wife, Ann-Marie, Eric Lander and his wife, Lorraine, Anthony Tarsio Jr. and his wife, Patricia, Jennifer Tarsio and her fiance, John Romano, Lindsey Tarsio, Kacie Hammond, Patrick Tarsio III and his wife, Tracey Pam Tarsio, Linda Tarsio, Michael Tarsio and William Tarsio; great-grandchildren: Kevin Babcock Jr., Donald Babcock III, Victoria DiVesti, Daniel Babcock, Gianna Babcock, Christopher Babcock, Emily Connelly, Allison Lander, Paul Lander Jr. , Maddie Lander, Daniel Lander, Patrick Tarsio IV, Emily Tarsio and Ryan Tarsio.
In addition to his wife, Alice and parents, Antonio and Filomena, Pat was predeceased by three sisters: Nancy Valicenti, Frances Crisci and Vera Holt; and two brothers, Peter Tarsio and William Tarsio.
Visitation will be held from 4 to 8 p.m. on Wednesday, July 31st at Brooks Funeral Home, 481 Gidney Ave., Newburgh. A Mass of Christian Burial will be celebrated at 10 a.m. on Thursday, August 1st in St. Francis of Assisi Church, Newburgh, with burial following in Calvary Cemetery, New Windsor.
In lieu of flowers, memorial donations in Patrick's memory may be made to the Alzheimer's Association National Capital Area Chapter, 3701 Pender Drive, Suite 400, Fairfax, VA 22030.
Arrangements are under the direction of Brooks Funeral Home; to send a personal condolence or for further information, please visit www.brooksfh.com or call 845-561-8300.


text:
Michelle Palmer
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text:
Jan. 21: Savanda Somvilay, 30
Jan. 21
Savanda Somvilay, 30
Somvilay was killed in a domestic violence act in the 100 block of Patricia Avenue.
Jan. 30
Robert Howard, 46
Howard was killed in the 600 block of North California Street. Police believe the killing was gang-related.
Feb. 7
Baby Girl Lopez, infant
The baby died shortly after birth. Her mother, Patricia Lopez, 18, of Tracy, was a minor when she gave birth. She is accused of using scissors to kill the newborn and then burying the infant's body in her backyard in Holt.
Feb. 13
John Gerolaga, 28
Gerolaga was killed in a fight in the 6100 block of Pacific Avenue.
Feb. 15
Jarred Justiniani, 19
Justiniani died several days after being attacked during a robbery in the 2100 block of Pajaro Way on Feb. 10.
Feb. 17
Maya Paratore, 35
Paratore was killed in a domestic violence attack in the 3700 block of Fort Donelson.
Feb. 25
Michael Wayne Smith, 26
Smith was beaten to death with a baseball bat in the 1100 block of North Thornton Road. Deputies arrested Richard Lee Henderson, 27, later that day in connection with the fatal attack.
March 2
Billi Jo Dyer-Romero, 44
Dyer-Romero was stabbed by her husband, Juan Jose Romero, who then killed himself with the same knife in the apparent murder-suicide in the 1900 block of Dustin Road, according to authorities.
March 5
Monica Lizeth Landeros-Jimenez, 19
Landeros-Jimenez was found dead from a gunshot wound to the upper body in the 3000 block of Arch Airport Road. She was last seen Feb. 26 at the Flamingo Club.
March 14
Dolores Bergo, 62
Bergo of San Jose was travelling with her son, Justin Bergo, 33, and was found stabbed to death in a motel room in Sutter Creek. Justin Bergo was arrested in Tijuana, Mexico, and faces a preliminary hearing on murder charges on March 27.
March 25
William Robert Meagher, 84; Jonathan Meagher, 48
The father and son were shot with an assault rifle at their neighboring homes in the 24000 block of Homestead Lane in Acampo. Daniel Smith, 34, pleaded guilty to both murders and is scheduled to be sentenced Jan. 13.
March 25
Fidel Meneses, 20
Meneses was killed in the 1500 block of East Anderson Street after buying beer at Sunrise Market on Wilson Way. He passed a group of men who said something to him, and Meneses was shot while running away, police said.
March 26
Marvin Woo, 27
"Butch" Woo was shot in the 500 block of West Ninth Street.
April 24
Gerardo Ramirez Garcia, 83
Garcia was shot in the 4200 block of East Carpenter Road in what was initially reported by a family member as a burglary.
May 8
Bobby Soukkaseum, 18
Soukkaseum died at San Joaquin County General Hospital after being shot in a drive-by shooting at Ponce de Leon Avenue and Acapulco Way. Three juveniles were also injured in the shooting.
May 16
Robert Waugh, 20
Officers found Waugh lying on the sidewalk in the 500 block of North American Street around 10 p.m. He had been shot.
May 28
Arthur Lumbab, 40
Lumbab was shot during a quincea�era at the Stockton Ballroom in the 9600 block of Thornton Road. Two other people were injured.
June 3
Hussan Williams, 10
Williams was shot and killed by his father, Anthony Lee Williams, 51, because the man and his wife were going through a divorce, according to authorities. The elder Williams then turned the gun on himself. The bodies were found on a levee road near Paradise Cut, west of Interstate 5 and north of Interstate 205.
June 5
Fernando Aguilar, 16; Edgar Flores Alcauter, 18
Aguilar and Alcauter were shot during a graduation party in the 4800 block of Date Street around 1 a.m.
June 6
Victor Manuel Lopez, 39
Lopez was killed at the Motel 6 in the 800 block of Navy Drive. He had been dead for at least a day before officers found him.
June 9
Juan Juarez-Martinez, 17
Juarez-Martinez was shot and killed in the 200 block of East Sixth Street.
June 11
David Lewis Jr., 34
Lewis, a father of three, was found near California and Fremont streets by police.
June 11
Dominique Jones, 41
Jones was killed in an argument, police said, and her body was found during a traffic stop near Airport Way and Poplar Street. Ramor "Yo-Yo" Black, 33, has been arrested in connection to Jones' death.
June 13
Tamu Malika Bouldin, 32
Bouldin was killed when a car sped through a stop sign and crashed into her station wagon, police said. Bouldin was traveling south on Franklin Avenue when police said parolee Jeffrey Scott Flannery, 39, failed to yield at a stop sign on Elmwood Avenue and crashed into her.
June 13
Xavier Javier Plascencia, 18
Plascencia was shot multiple times in the 2200 block of Waterloo Road just after noon.
June 14
Joseph Cruz, 31
Cruz was shot on his bicycle on Sutter Street just south of Noble Street. Police believe the killing is gang related, but Cruz's relatives have said the victim was not affiliated with any gangs.
June 18
Brian Walker, 33
Walker was killed in a drive-by shooting in the 1700 block of South Sutter Street.
June 22
Calvin Claridy, 32
Claridy was killed in the 200 block of West Poplar Street. Travell White, 22, has been arrested in connection with Claridy's death.
June 25
Paris Jordan Jr., 28
Jordan was one of at least five people shot at a bar in the 2300 block of East Main Street around 2:20 a.m. Police reports indicate as many as 40 people charged into the bar when multiple shooters began firing.
July 4
Marvin Brown, 52
Brown was beaten in his Valley Springs home on June 29 and died from his injuries five days later. James Allison Livezey is facing murder charges, but his lawyer says he has a brain tumor and might not live long enough to go to trial.
July 5
David Leyva, 20
Leyva was found slumped in a car on Fulton Avenue east of Coronado Street suffering from gunshot wounds. He was placed on life support and died from his injuries several days later.
July 19
Brian Spivey, 21
Spivey and a female companion, who survived, were shot outside an apartment complex in the 2400 block of Delaware Avenue. Three people, Kejuan Reaves, 22, Eric Tabin, 23, and Lamarr McNeal, 23, have been arrested in connection with the homicide.
July 20
Brian McDaniel, 31
McDaniel was shot at a farm that also had a marijuana-growing operation in the 1400 block of East Acampo Road. Kevin Jackson, 23, and Molly Wilson, 25, were arrested in connection with the killing. Jackson is facing trial for the slaying, while Wilson is being charged as an accessory after the fact.
July 24
Joe Xiong, 15
Xiong and eight others were shot at a birthday gathering in the 100 block of East Lincoln Road.
July 25
Noah Morgan, 3
Morgan died in a Modesto hospital after sustaining severe trauma from being struck in the stomach on July 23, according to the San Joaquin County Sheriff's Office. The injury took place in Escalon. Joe Anthony Correia, 27, who was in a relationship with Noah's mother, is accused of causing the boy's death.
July 29
John Hampton, 42
Hampton was found stabbed to death at Sutter and Cleveland streets. His brother, Michael Hampton, 36, is awaiting trial in connection with the killing.
July 30
Tony Mendoza, 20
Mendoza was found face down in a parking lot in the 8000 block of West Lane. He had been shot.
Aug. 1
Timothy Williams, 42
Williams was found shot in the 300 block of East Sonora Street and was pronounced dead at the hospital.
Aug. 6
Pedro Meza, 35
Meza was shot in the head in front of an apartment complex in the 500 block of East Elm Street in Lodi. Meza had lived in Texas before coming to California.
Aug. 6
John Joseph, 26
Joseph was killed during a gang-related dispute in the 500 block of West Weber Avenue.
Aug. 8
Michael Bradford, 50
Bradford died months after being attacked in a domestic violence dispute on March 14.
Aug. 12
Brandon Wilson, 2 months
Wilson was killed in a child abuse incident in the 7600 block of Kelley Drive. The assault took place on Aug. 1.
Aug. 15
Danny Martinez, 26
Martinez was shot and killed in a parking lot in the 1700 block of Ideal Parkway. Martinez and another man were near their motorcycles when a white, compact SUV sped through the parking lot and rammed one of the motorcycles. Two men then got out of the SUV and attacked the pair. One grabbed a handgun from the SUV and shot both men before the two attackers got back into the SUV and sped away.
Aug. 18
Christian Perez, 20
Perez and another man were shot at Gleason Park in the 400 block of South California Street during a dispute. The second victim survived his injury.
Aug. 19
Antonio Duenas, 31
Duenas was shot outside his home across from Baccilieri Park in Manteca.
Aug. 27
Dean Ponsiano, 46
Ponsiano died in Manteca after being attacked following a child's birthday party in the Woodward Park area. His daughter's fiance, Jorge Tomayo Fernandez, 32, is awaiting trial in S.J. County Jail.
Aug. 31
Ricardo Raquepo, 31
Raquepo was shot during a dispute in the 2400 block of South Madison Street. He was found lying down by a parked car before being taken to a hospital, where he was pronounced dead.
Sept. 1
Cynthia Bullock, 47
Bullock and a man with her were shot at Central Pallets, 1004 Navy Drive. The man drove the two to the hospital, where Bullock died. The shooter was described as 19 or 20 and had fired several rounds into the car.
Sept. 3
Winona Moore, 58
Moore, a Ceres resident, was killed while a man was attempting to evade police on foot and crossed in front of traffic on Highway 99 south of Yosemite Ave. Moore was riding on the back of her husband's motorcycle and died as a result of the crash. Brett Andrew Phares, 28, was arrested in connection with her death.
Sept. 4
Luis Palma, 44
Palma, a cab driver, operated Stockton's All Town Cab & Shuttle Services. He was shot at Lincoln and Washington streets.
Sept. 7
Angelo Peraza, 18
Peraza was shot in the 300 block of Mosswood Avenue.
Sept. 9
Francisco Menesses, 38
Menesses, 38, was found with "obvious signs of trauma" to his upper body on Lincoln Street by the Union Pacific tracks.
Sept. 12
Rachel Moreno, 49; Juan Segura, 33
Moreno and Segura were shot at South Hunter and West Jackson streets.
Sept. 15
Hector Estrada, 34
Estrada was shot inside his home in the 300 block of East Second Street. Witnesses reported seeing a white car, possibly a Pontiac, leaving the scene shortly after the shooting.
Sept. 17
Michael Shelton, 30
Shelton died five days after being shot Sept. 12 in a parking lot in the 1100 block of North Wilson Way. Authorities believe the slaying to be gang-related.
Sept. 18
Tony Le, 23
Le was shot multiple times outside a party on Martinique Court. He had moved to Stockton from Monterey County 18 months before and had operated a fishing boat with his father.
Sept. 24
Elizabeth Mendez, 29
Mendez was shot in an apartment in the 2100 block of Rosemarie Lane in what police call a negligent act. No further details were available.
Sept. 25
Luis Angel Barraza, 19
Hayward resident Barraza was shot during a house party in the 700 block of Frewert Road.
Sept. 26
David Ngin, 22
Ngin died two days after being shot while riding in a car at Palisades Drive and Hammer Lane. He was taken to his home in the 300 block of Jill Circle before authorities were notified. Police said the assailants may have fired at Ngin from a small, white vehicle.
Sept. 27
He Ting Fu, 45
Fu, who was apparently guarding a marijuana-growing operation near Ione in Amador County, was found in a trailer covered in blood and still clutching an empty shotgun. Five Sacramento men, Andrew Manisap, Son Nguyen, Michael Saechao, David Tai and Vu Tran, are facing murder charges and are due in court for a preliminary hearing March 13.
Sept. 28
Rickey Maggard, 19
Maggard died after a drive-by shooting on Sept. 27 while he walked with his cousin at Eighth Street and Port Trinity Circle. A silver sedan drove up to the two and words were exchanged between the occupants and Maggard, police said.
Oct. 3
Ruben Ramirez, 3
Ramirez was fatally struck by a car allegedly driven by Aushua McDuff-Brown, 22, who was feuding with someone else on the street. McDuff-Brown is facing murder charges.
Oct. 6
Micky Xiong, 31
Xiong, a father of five and a Domino's Pizza delivery driver, was shot in the 300 block of South Sutter Street after making a delivery. An arrest was made in the case, but the accused was released for lack of evidence.
Oct. 9
Lawrence Avalos, 22
Avalos was shot at the East Main Drive-In at 2041 E. Main St. He was with another man when the pair was shot at. His death is believed by police to be linked to the rash of shootings in August and September.
Oct. 13
Clarence Bedgood, 61
Bedgood was shot in the 500 block of South Grant Street. The shooting was not believed to be gang-related.
Oct. 15
Drake Benton, 24
Stockton resident Benton was found stabbed at Moffat Boulevard near Sherman Avenue in Manteca after police responded to an assault call.
Oct. 15
John Mozzetti, 24
Mozzetti's car was chased by a black sport utility vehicle on West Oak Street. After Mozzetti was shot, he crashed into several parked cars in the 700 block of Oak Street.
Oct. 15
Cesar Reynoso, 22
Reynoso, a resident of San Jose, was shot in a parking lot at a quincea�era. The incident took place in the 2000 block of Amblers Lane.
Oct. 15
Dalene Carlson, 23
Carlson's body was found in Escalon months after she disappeared on Aug. 7. Jason Ross Gilley, 25, is believed to be the last person who saw Carlson and is currently on trial for her slaying. Authorities have not yet disclosed the cause of her death to the public.
Oct. 21
Damien Braggs, 19
Braggs was shot in the 700 block of East Park Street in what police are investigating as a drug-related dispute.
Oct. 21
Pedro Garcia-Rodriguez, 27
Garcia-Rodriguez was fatally stabbed in the 100 block of West Worth Street. Jaime Morales-Heriberto, 35, has been identified as a suspect in Garcia-Rodriguez's death. Heriberto may be driving a 2000 Chevrolet Silverado with a license plate No. 8P93127.
Oct. 29
Rodney Rogers, 28
Rogers was shot in the 4400 block of Townehome Drive in Stockton at about 2:15 a.m.
Oct. 31
Kathleen McGehee, 55
McGehee was killed at her home in the 800 block of Golden Pond Drive in Manteca on Halloween. Her son, 26-year-old Dawson McGehee, has been arrested in connection with the death and is currently awaiting trial.
Nov. 3
Anthony Ramirez, 20
Ramirez was shot in a two-story home in the 2200 block of East Swain Road. Tommy James Austin, 21, turned himself in to authorities several days after the shooting. He is currently in San Joaquin County Jail and could face trial for involuntary manslaughter.
Nov. 6
Kenneth Chavez, 46
Chavez was shot on the south side of the 900 block of Dr. Martin Luther King Jr. Boulevard during a drive-by shooting. It is possible an argument preceded the shooting, police said.
Nov. 10
Kenneth Brooks Jr., 25
Brooks was shot multiple times in the 3500 block of East Miner Avenue. A thin, balding man was described by a witness as the shooter.
Nov. 10
Juan Molina, 28
Molina was found lying in the front yard of a residence in the 2000 block of Comstock Drive. There is no information about Molina's attacker.
Nov. 11
Efrain Miranda-Rivas, 38
Miranda-Rivas was found in a trailer at a dairy in the 16500 block of South Henry Road near Escalon by family members. He had suffered severe head trauma.
Nov. 12
Jorge Angulo, 18
Angulo was with five friends and sitting in the back seat of a pickup in the 1500 block of South Stanislaus Street when he was shot. His friends drove him to the hospital, where he was pronounced dead.
Nov. 14
Matthew Bosa, 28
Bosa was shot in the head while driving southbound on Wilson Way near Harding Way.
Nov. 16
Shedley Frazier Jr., 20
Frazier was shot several times in the chest at Pine Street and Central Avenue around 3 p.m. Jorge Rodriguez, 18, has been named a suspect and remains at large, and a 14-year-old boy was arrested Nov. 17 in connection with Frazier's killing.
Nov. 16
Mark Henry Dentoni, 43
Dentoni was shot during a home-invasion robbery in the 8000 block of Hildreth Lane in Morada. Several masked attackers were seen in the area, but no suspects have been named.
Nov. 17
Oscar Rodriguez, 26
Rodriguez was in a parking lot near two taco trucks on Dr. Martin Luther King Jr. Boulevard and Hunter Street at about 8:20 p.m. when he was shot multiple times. He died at the hospital shortly after.
Nov. 22
Sierra Williams, 19
Williams was run down in a parking lot in the 500 block of Zephyr Street. There is no information on what kind of vehicle ran her down or who may have been driving.
Nov. 29
Richard Lee Bowling Jr., 55; Patrick David Silva, 43
Bowling's and Silva's bodies were found in a burned structure in the 1800 block of North Marshall Avenue. The Stockton Fire Department has not officially ruled the blaze an arson, but the San Joaquin County Sheriff's Office believes the pair were victims of foul play and is investigating their deaths as homicides.
Dec. 5
Veronica Jones, 35
Jones' decomposing body was found in an apartment in the 500 block of East Channel Street during an eviction. The tenant, Devon Omar Epps 36, is facing trial for allegedly killing Jones and holding her body in his apartment for four months.
Dec. 9
Tommy Tran, 22
Tran was shot in the 2500 block of Gareth Circle after a house party.
Dec. 14
Mario Hinojosa Zendejas, 23
Zendejas was shot in his driveway in the 1800 block of Country Club Boulevard.
Dec. 22
Omar Virgen, 24
Virgen was shot while he and five others drank in a garage in the 800 block of Windsail Lane. Virgen died on the scene, and three others sustained injuries that were not life-threatening.


text:
Horizon Air Unveils Bobcat Paint Job
Montana State University and Horizon Air announce the unveiling of a new university-themed aircraft, featuring the MSU and Bobcat marks and logos.
The Montana State University Alumni Association will host a special unveiling celebration at the Gallatin Field Airport at 2:30 p.m. this afternoon to welcome the MSU-themed plane. Alumni and fans are invited to attend the event, which will include appearances by Champ, the Cheer Squad, comments from President Waded Cruzado and a photo opportunity of the new MSU-themed airplane. Food and beverages will be provided courtesy of the Alumni Association and Horizon Airlines.


text:
The Arnsberg Forest Nature Park is one of the most popular recreation areas and holiday regions in North Rhine-Westphalia, and its extensive wooded areas form one of the largest contiguous wooded area in Germany.
The 482 square kilometre nature park, which was established in 1961 between the Möhne and Ruhr rivers, includes one of the most beautiful recreational areas on the eastern edge of the Ruhr.
Its leafy highland landscape, which features a myriad of springs, branching brooks and thick forests, invites hikers and nature lovers to re-discover its distinctive wildness. Thanks to wide expanses of forest untouched by humans, visitors can walk for hours along well-maintained paths without coming into contact with the noise and hectic pace of modern life. With diverse attractions such as the Bilstein Caves in Warstein, the Beaver Trail in Rüthen and Lake Möhnesee, North Rhine-Westphalia's largest reservoir and a water sports hub,
the Arnsberg Forest is also the perfect destination for visitors looking for fun and adventure as well as relaxation. The "enchantingly magical" Sauerland Forest Route is a particular highlight: this route, a large part of which crosses the nature park, runs for over 240 kilometres and takes hikers from Iserlohn to Marsberg. The many points of interest along the route mean that hiking is anything but boring. The wonderfully clear views from Lörmecke or Möhnesee Tower, the Waldschiff ship in Bibertal and many places mentioned in traditional myths and legends are guaranteed to enchant any visitor!
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text:
Schaffen Communal Cemetery
History Information (Source: CWGC)
The British Expeditionary Force was involved in the later stages of the defence of Belgium following the German invasion in May 1940, and suffered many casualties in covering the withdrawal to Dunkirk. Commonwealth forces did not return until September 1944, but in the intervening years, many airmen were shot down or crashed in raids on strategic objectives in Belgium, or while returning from missions over Germany.
Schaffen Communal Cemetery contains the graves of 20 Commonwealth airmen of the Second World War.
Served with
- United Kingdom (15)
- Canadian (4)
- Australian (1)
Served in
- Air Force (20)


text:
After performing an "in-depth analysis," a group of ERISA lawyers at Drinker Biddle & Reath have sent a letter to the 401(k) community debunking a recent Yale professor's claim that they had breached their fiduciary duties with respect to plan costs and investments.
In his letter, sent in mid-July to 6,000 sponsors of 401(k) plans, Ian Ayers, a William K. Townsend professor at Yale Law School, suggested that the recipients were operating a "potentially high-cost plan" and that they may have breached their fiduciary duties.
In some of the letters, Ayers also said that he intended to publicize his study on plan expenses next spring.
But Fred Reish, partner and chair of the financial services ERISA team at Drinker Biddle & Reath, told ThinkAdvisor on Tuesday that because "a number of people" have written to Ayers as well as to Yale University noting their concerns about the report and the quality of the underlying data, as well as its results, "My understanding is that the professor has agreed that, while he will release the study together with aggregated information, he no longer plans to release information about individual plans."
See also: SEC's White pushing to finish fiduciary rulemaking 'quickly'
Also, Ayers has "backed off" his stance that he would publicize the study data in major newspapers like The New York Times and The Wall Street Journal, as well as via Twitter, the Drinker Biddle attorneys told plan sponsors in their open letter.
Bruce Ashton, a partner at Drinker Biddle who works with Reish on the ERISA team, told ThinkAdvisor that while Drinker Biddle has not sent its rebuttal letter and conclusions to the Department of Labor or Congress, as they "don't think [the issue] rises to the level of a regulatory or legislative" matter, "I assume [both] are aware of the issue in light of the publicity the [Yale professor's] letters have received."
Reish says in the open letter that he and his team have concluded that Ayers' study has a number of "material limitations," and, as a result, "does not provide a valid basis for concluding that fiduciaries have breached their duties."
The "primary deficiencies," Reish and his team say, "relate to assumptions we believe to be inaccurate and errors in data sampling." As a result, "we believe that the study's findings are not reliable as an indicator of the reasonableness of fund fees either on an aggregate industry-wide or a plan-by-plan basis or for determining whether there has been a breach of fiduciary duty in any individual case."
Reish and his team then cite the following areas of deficiencies:
- Failure to consider fiduciary practices that have lead to cost reductions in recent years;
- Failure to consider plan design differences and services in relation to costs;
- Failure to consider the impact of revenue sharing;
- Use of outdated information;
- Reliance on data from the Form 5500, which may be misplaced; and
- Failure to consider or misapplication of other data, e.g., failure to consider the impact of ERISA accounts, assuming that plans invest in funds that bear front-end loads and use of an inappropriately limited universe of plans.
"Besides misunderstanding of the ERISA fiduciary rules," the study also relies on outdated Form 5500 data from December 2009, the attorneys note. They cite a Government Accountability Office report which found that the Form 5500 was not intended to be a "comprehensive database of plan fees," and that it's difficult for plan sponsors to use 5500 for that purpose.
Eric Ryles, managing director of Judy Diamond Associates, publisher of retirement and employee benefits industry prospecting tools and plan data, agrees that Form 5500 is only a "starting point" when beginning to assess a retirement plan. "The diligent advisor will use the information gathered from the 5500 as a conversation starter and as the basis for a more informative and detailed discussion with plan fiduciaries," Ryles says. "The Form 5500 on its own is not sufficiently comprehensive to identify a breach in fiduciary duties."
Ryles adds that the Ayers' study is an "attempt to bully plan sponsors by threat of public shaming, on the basis of incomplete data from four years ago," and that it "diminishes our industry and demeans the dedicated professionals who practice it."
Ayers' study also relies on index funds for comparison of fund fees, and, as Reish says, "is biased against actively managed funds that can be prudent choices under ERISA."
For example, Reish says his team's analysis shows that, "to evaluate fund fees, [Ayers'] study compared the expense ratios of Vanguard index funds with the mutual funds held in plans, thereby virtually ensuring that all actively managed funds would be considered expensive." The analysis, they say, "also fails to take into account revenue sharing used to pay the costs of plan administration and/or to provide a return to the participants."
Reish and his team conclude that as with any economic analysis, Ayers' study conclusions "are necessarily limited in their validity by the quality and reliability of the data and assumptions upon which they are based." The primary deficiencies Reish and his team identified "and with which we are concerned, relate to assumptions we believe to be inaccurate and errors as to data sampling, not failures as to the [Ayers] study's analysis."
The study "contains deficiencies that seriously call into question the conclusions that are drawn, especially when trying to apply those conclusions to specific plans and the conduct of their fiduciaries," Reish says.
"As a result, we believe that the Study's findings are not reliable as an indicator of the reasonableness of fund fees either on an aggregate industry-wide or a plan-by-plan basis or for determining whether there has been a breach of fiduciary duty in any individual case."
The Drinker Biddle attorney stress that a fiduciary's duty "is to ensure that costs are reasonable in light of the services being provided, not to provide the cheapest plan."
Plan sponsors do have a fiduciary duty to "prudently monitor plan and investment expenses," the attorneys say. If plan sponsors have not compared their costs to market data in the last two or three years, "they should do so now, particularly in light of last year's 408(b)2 disclosures."


text:
CLEVELAND, OH – Great Lakes Brewing Company (GLBC), Ohio's most celebrated craft brewer of award-winning lagers and ales, announces its plan to enter the Central Illinois market with Marketplace Selections on October 1, 2012. GLBC's products are currently available in Chicago. The new Central Illinois territory will expand GLBC's footprint into areas like Bloomington, Champaign, and Peoria, serving the company's strategic growth plans. Customers can expect to see GLBC's year-round family of beers in package and draft, as well as GLBC's "Taster's Pack" (a sampler 12-pack).
The new market rollout will involve multiple customer appreciation events, meet-and-greets, tastings, and giveaways throughout the area. GLBC co-owner Pat Conway says of the expansion, "Many breweries choose a strategy of being a mile wide and an inch deep. We prefer to penetrate deeper into existing markets. Expanding our existing Illinois territory is a logical extension of that idea."
GLBC currently serves 13 states and Washington DC. Founded in 1988 by brothers Pat and Dan Conway as the first craft brewery in the state of Ohio, GLBC is nationally known for its exceptional family of beers including Dortmunder Gold Lager, Eliot Ness Amber Lager, Burning River Pale Ale, Commodore Perry India Pale Ale and Edmund Fitzgerald Porter. Visit www.greatlakesbrewing.com/centralillinois and follow @GLBCinIL on Twitter for exclusive updates and event announcements.


text:
Includes RAM-B-202 base with 2.5" diameter platform. Compatible with all 1" RAM receptacles. Requires RAP-300-1U.
The Marine Grade Aluminum Universal Plate has a 1.0'' diameter Rubber Ball connected at a right angle to a 2.5'' diameter Plate. The plate has pre-drilled holes in the base plate, including the universal AMPS hole pattern. If required, the different hole patterns allow you to connect this plate to almost any type of existing hole pattern.
NOTE: This base plate will attach to any of the RAM plastic HOL cradles, but generally the RAM-B-238 Diamond Plate is used as it provides a cleaner-looking mount to the HOL cradles.
Mounting hardware is NOT included with the purchase of the RAM-B-202.
Click the link in the "Instructions and Downloads" tab to view the technical drawings for the RAM-B-202. The pdf file shows the spacing distances for the hole pattern on the plate and the exact location and height of the 1.0'' ball.
|Manufacturer #