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July 3, 2012
An edited extract from Cold Case Files: Past crimes solved by new forensic science – available for Kindle in the United States on amazon.com. Hard copies available at www.panmacillan.com.au
by Liz Porter
Mark Chrystie relished the challenge of hunting criminals with some ability. But as an armed robbery squad detective in the Australian state of Victoria, his day-to-day work involved the investigation of jobs carried out by lummoxes with no idea of planning, beyond the purchase of balaclavas and overalls. They would then barge through banks' front doors waving shotguns and escape in stolen cars.
So he enjoyed tracking down the crew that had planned its arrival at a bank in Melbourne's posh Toorak to the second. Arriving one minute after a cash van delivered $250,000, they walked out of the bank with the cash in cardboard boxes on their shoulders, strolling down the street with the insouciance of men carrying a wealthy customer's bulk order of groceries to her Mercedes.
The detective also happily matched wits with the men who held up a cash van by hiding in a car boot equipped with a spy hole in its panel work, and then leaping out to surprise a driver who thought he was pulling up in an empty car park.
The Bank of Melbourne Heist – A "Soft" Target
The 1996 daylight bank robbery of a suburban branch of the Bank of Melbourne was one of the best-planned jobs that Chrystie had ever investigated. The robbers' haul was not huge – $137,000 in cash and a pile of blank bank and travellers' that would be difficult to pass. But the men had done their armed robbery homework thoroughly, researching every aspect of the bank's operations in advance. If they had given the same attention to their science homework, they might never have been caught – and this story would never have been told. As it was, they were not unmasked for another eight years. When they were, it was cutting-edge forensic science that brought them undone.
The robbers' choice of venue had been no accident. The Bank of Melbourne was clearly a "soft" target. Eleven of the 28 bank holdups in the state of Victoria between July 1995 and February 1996 had been at its outlets, with four of its suburban branches hit in January 1996. This branch, in the inner northern Melbourne suburb of Glenroy, would have looked particularly inviting, with security shortcomings so obvious that the management had recognized them and had scheduled a move to a more secure building for a day two weeks after the break-in.
Located in a building with a back door and rear courtyard, the premises offered the robbers handy access to a rear lane, while the next door property's rear yard allowed them a subtle side-entry. Climbing up its fence and on to the roof of the bank's outdoor toilet, they could then jump down into the bank's rear courtyard before entering via the bank's back door.
The establishment's Saturday-morning opening hours were an ideal time for a robbery, with the nearby station and surrounding streets free of the weekday commuter rush, meaning less risk of passers-by overhearing the noise of the break-in. The chosen day was the second Saturday of the football finals, and the suburban streets of football-mad Melbourne were even emptier than usual. Real estate agents tended to cut back on auctions and open inspections during this period, while police worked extra afternoon shifts at the football, directing traffic and controlling crowds.
The thieves made their entry more efficient by weakening the bank's rear door before the theft. Looking over the back fence, they had watched staff opening it when they visited the courtyard toilet, and had gauged its thickness and relative fragility. Visiting the site the night before the break-in, they used some kind of hand-held power saw to cut a square hole in the outer section of the door's lower half. They drilled only halfway through, making an incision that was invisible from the inside but inflicted serious structural damage.
They had cased their target well enough to know that its employees waited outside each morning while one staff member opened the building from the front, walking in to check for signs of intrusion before giving the all clear and admitting his colleagues. That employee could not be given any reason for suspicion, so the preparatory work on the back door had to be undetectable from the inside. But when they rammed the door with several large steel fencing pickets bound together, the pre-cut outline would function like a perforated "open here" line on a cardboard box, a neat square section of the door would collapse inwards, and they would make their way in.
The robbers knew that the bank's safe was opened only a few minutes before the start of business, and that a series of piercing beeps, audible outside the bank, signaled the end of the standard five-minute time delay between a bank employee inserting the key into the safe's lock and the actual opening of the safe. Then the tellers would be given their personal money tins and drawers, and the time would be right for the criminals to enter, order the tellers to lie on the floor, and take their money.
Two Men in Masks
Aware that their arrival would trigger some kind of alarm and activate a security video camera, the two men wore overalls, gloves and balaclavas. Each man also wore a black theatrical Janus mask over his face, thereby depriving cameras of clues about his eye color or teeth. One was a tragedy mask, its mouth down-turned; the other a smiling comedy one.
The duo wanted to be in and out before opening time. And they were.
Bank employee Sam Ferraro was in the bank's kitchen, laying out the cash that was to go into the teller drawers, when he heard a huge crash behind him. A square section of the back door had collapsed. First he saw the star pickets that had done the damage. Then an arm, a leg, and then a man's head appeared in the hole in the door. Within seconds two men, wearing full length overalls, balaclavas, gloves and masks were standing in the bank's kitchen.
"Get on the fucking floor!" they shouted, then "Don't move. You're not going to get hurt."
One man had a black handgun with a small nozzle, which he continued to point at the three employees, herding them down on to the floor under the kitchen table.
Meanwhile the second robber was emptying the cash boxes in the safe, stuffing bank notes into a small back pack he had brought with him – and keeping an eye on the staff. He noticed that one of the women lying on the floor was studying him, her training for armed robberies having taught her to not resist but to memorize as much detail as possible about robbers.
"Don't look," he shouted at her – an instruction repeated, with emphasis, by the man with the gun.
After emptying the safe, the second man rifled the tellers' drawers, roughly pulling out notes from the note clips, oblivious to the fact that the clips set off a silent security alarm – and the bank's cameras –if they are not handled appropriately,
But the intruders seemed to be expecting to be filmed, and did their best to thwart the security cameras' eye by ducking down. As a result the cameras recorded only the tops of their balaclavas, so police could not draw conclusions about their height and build.
The speed of their operation indicated their expectation of an alarm. They didn't know for certain until they were on the way out and spotted the tiny orange light on a black box mounted at shoulder height on the kitchen wall. It was flashing.
The first man rushed at the back door, while the gunman stayed an extra 20 seconds, shouting a final "Don't move" at the terrified bank staff, before he grabbed the big vinyl security guard mail bag, that was delivered to the bank daily. He passed it through the hole in the door to his partner and followed it through. The whole operation, from the moment the back door caved in, until the men fled over the fence, had taken little more than two minutes.
Looking for Clues
The local police arrived shortly after nine. Detective Mark Chrystie had been only 10 kilometres away and was there by 9:30.
The bandits' masks and disguises meant that the three tellers could provide only basic details about their physical appearance. Both were of "scrawny" build and medium height, with teller Sam Ferraro estimating them as about his height of "five feet six." Their accents were "Australian" not foreign and the gunman's overalls were green German army issue, with a small yellow, red and black German flag on one sleeve. His colleague wore plain overalls with an elasticized waist and pockets, one of which held his mobile – one of the small "brick"-like variety in use back in 1996. Both men wore black balaclavas and ski gloves with red stitching, although the man in the safe took off his left black glove, in order to open cash tins, revealing a white surgical glove underneath.
The police were soon able to check the tellers' recollections against the actual clothing worn by the robbers. A police dog squad handler had been called to the scene, in the hope that his dog, "Boss," might be able to track the robbers' path away from the bank.
It seemed that the duo had run towards the railway station. But instead of running on to a platform, they had crossed the train-line and headed into a street on the other side of the line. "Boss" lost their trail in the station car park – a fact suggesting that the men were picked up by an accomplice in a car. There were too many pedestrians about, and too many scents for him to keep trying. Instead the dog handler set his animal on a property search. "Boss" immediately headed for a dumpster in the lane near the rear. A balaclava and a pair of overalls were inside.
The police also discovered a second mask and a baseball cap in the backyard of the property next door to the bank, and another two gloves, one inside the other, on its concrete footpath. Shoe impressions in the dirt at the base of the wall inside the neighboring backyard told the investigators that the robbers had climbed that wall, stepped down onto the corrugated-iron roof of the bank's toilet and jumped from there into the bank's courtyard. Inside the bank itself, the tip of a rubber glove was found – and it appeared to have come from one of the dumpster gloves.
Interpreting the Clues
With three detectives assigned to help him cover the case, Mark Chrystie began the investigation in a mood of cautious optimism. To his experienced eye, the style of the break-in was a clue in itself. The robbers had been patient and calm. They had sat outside waiting for the time-delay to sound rather than rushing in at the earliest opportunity. This sangfroid told him they were professionals, meaning that a survey of Melbourne's experienced criminals, just seeing what they were up to at the time, might help to identify them.
Another reason for hope was that, for all the careful planning that had gone into the heist, the robbers had still left the detectives plenty of leads. An obvious starting point was the mobile phone spotted in the overall pocket of the man who had emptied the safe. One bank teller had seen a red light flash on the handset, presumably denoting a call received or a message left. Why would the robber have brought the phone unless he needed it to make a call – perhaps to the driver of a getaway car? The local service providers, Telstra and Optus should be able to tell police what calls had gone through their towers in the minutes before nine o'clock.
The masks also looked promising. Specialty theatrical items, both lined with cloth, they should be available only from a limited range of shops. The overalls, military issue with serial numbers on them, should be traceable to an individual consignment, sold to a particular army disposals store. The saw used on the back door was another potential lead. It had to be portable, and had been either petrol or battery-operated – probably the latter, as it had been quiet enough not to attract attention. Such tools were rare in the mid-1990s. The bank checks bore serial numbers, enabling them to be traced when they were cashed. The robbers weren't stupid enough to pass them personally; they would sell them on to a middle man, who would sell them again. The detectives would pounce when these checks were passed, hoping that those caught with them would name their source – bringing the detectives one step closer to the robbers.
But, to Chrystie's frustration, all enquiries led to dead ends. The detectives looked at all robbers known to have done jobs in which they waited for the safe's time delay to go off. Nothing. The mobile phone enquiries went nowhere: the detectives could find no call that fitted the bill. The quest for the supplier of theatre-quality Janus masks turned out to be a marathon, involving personal visits or phone calls to hundreds of outlets around Australia. But the source of the masks was never identified. The serial numbers on the overalls revealed that they had been used in training and then discarded and presumably picked up by a disposal store. The detectives spent many hours checking such stores, with no result. The quest for the rare battery-operated saw also failed. The police could not find one capable of the kind of work done on the bank's door. No potential suspects had been reported flaunting unexplained and sudden wealth, and none of the stolen checks surfaced.
Traces of DNA
However, there had been one gap in the criminals' meticulous preparation. Their forensic science research had been incomplete. They obviously knew about fingerprints, so wore gloves. The thick ski gloves they had donned over the rubber gloves suggested they also knew about DNA and were aware that any blood left at the scene, perhaps by accidentally cutting themselves as they broke in, might eventually betray them. It was their masks that were the problem.
Technically speaking, they had been correct to discard such highly incriminating costumes: they couldn't risk being held up in a random traffic stop, so their masks, gloves and overalls had to be disposed of as quickly as possible. But they would have been better off dumping the gear further away. They should certainly have thought of a more imaginative hiding place than a dumpster so close to the bank.
The cloth linings of the masks had captured skin cells and saliva droplets from their wearers. A cutting-edge scientific development, "trace DNA" meant that scientists could obtain DNA from such microscopic specks of biological material. Of course the robbers had never heard of trace DNA, and, even if they had been doing university-level science homework on DNA, they still would not have known about it at the time. It was their bad luck to be committing their crime less than 20 kilometers from the police forensic center that employed the world experts in this ground- breaking area of science.
From the mid-1990s, Victoria Police forensic scientists Max Jones and Roland Van Oorschot had been noticing that, when they were extracting DNA profiles from blood, semen or saliva stains on clothing, they were also registering a second source of DNA that did not always belong to the person who had shed the blood, semen or saliva they were working on. Instead, this trace DNA inevitably belonged to the person who had been wearing the clothes bearing the stains. It had been deposited in sloughed-off skin cells that were invisible to the naked eye. The two scientists began documenting their results. Their research, published in 1997 in the international science journal Nature, triggered a worldwide revolution in police forensic work.
Max Jones provided Chrystie with the first lead on the case. Jones tested the cloth lining around the mouth of each mask, and, only six days after the robbery, was able to extract DNA profiles from the minute amounts of biological material present. One distinct male profile was on each mask.
The detectives were now in possession of two separate genetic fingerprints – one for each robber. But whose were they? The profiles were useful only if the detectives had a suspect to compare them with. Unfortunately, they didn't.
The scientists cross-checked the DNA profiles from the masks against the profiles of dozens of other criminals charged with armed robbery. None matched. At that time, DNA data bases were still brand new. The U.K. had set one up in 1995, but the FBI didn't get the United States one running until 1998. Victoria was the first Australian state to pass legislation to set up a data base, but didn't do so until 1997. In 1996 Victoria Police were only taking DNA from people charged with major offenses. So the number of samples available for comparison was limited to those left by – or taken from – known robbers.
But detectives are patient. Early in 1997, Chrystie and his colleagues were watching two men who had begun using the stolen bank checks. On one occasion, they had bought $22,600-worth of fillet steak, claiming they were in a hurry because they had a catering company working at the upcoming Grand Prix motor race weekend. In fact, they sold the meat to a butcher. A few days later, their purchase of $86,000-worth of alcohol from an up-market wine business was interrupted by their arrest.
It turned out that they had bought the checks from a middle man who had got them from a man who seemed to have a similar height and build to one of the robbers. A phone call had been made to the bottle shop on the morning of the alcohol buy, to check that the order was ready. It was traced to the phone of a woman with links to a man with convictions for armed robbery in four states. But none of them could be connected to the Glenroy robbery.
A Cold Case
By mid 1997, the case had ground to a halt. No more of the stolen checks had been passed. Undoubtedly, the bottle shop arrest had prompted their new owners to destroy them. Chrystie and his colleagues had spent more hours on this job than on any of the others on their office whiteboard. Other more urgent cases were now taking their attention.
The Glenroy bank robbers could have been forgiven for believing they'd got away with it.
The following year Mark Chrystie left the armed robbery squad. But he didn't forget the Glenroy job. In fact he thought of it every time he read a newspaper report about a bank robbery.
In 2002 the detective returned to the squad, by then rebadged as the Armed Offenders Squad. He thought about the case every time he had to deal with an armed robbery in which the perpetrators had simply barged in, vaulted over the counter and demanded money. Nobody, it seemed, was doing "professional" but relatively non-violent heists like the Glenroy one.
Finally, a Match
In 1999 the DNA profiles obtained from the robbers' masks had been entered into Victoria Police's new database, where they waited for a match. In May 2004, one finally appeared. It was to a prisoner's profile only recently placed on the system: its owner was Goran Stamenkovic, 39, whose record included dishonesty, violence and 27 driving offenses.
One night in October 2000, police had spotted him driving along a country highway with his number plate partly obscured. Disobeying a request to pull over, he had sped off, leading police in an hour-long pursuit during which he drove at up to 190 kilometers per hour towards Melbourne, veering into the emergency lane and onto grass verges in order to overtake other cars.
Once in town, he had run red lights and dodged around closing railway- crossing boom gates. After a minor accident, he had abandoned his car at an outer suburban railway station, where he threatened another motorist with a screwdriver, stole his car and drove it to a shopping center. There, he had pounced on a woman standing by her car with a baby in her arms, grabbed her keys and was trying to get into her car when he was tackled by security guards. He was arrested and charged with attempted robbery, theft of a car, assault with a weapon, driving while disqualified and possession of a drug of dependence. In May 2001, a judge had given him a minimum four-year sentence for this "murderous" rampage.
As a prisoner, Stamenkovic had to be DNA tested before his release. In 2004, when he had been close to the end of his minimum sentence, he had been duly tested, and his profile had been submitted to the DNA database.
This man didn't sound like the mastermind behind the Glenroy job. But Chrystie knew of plenty of cases in which once-disciplined criminals had begun using drugs and, as a result, had abandoned carefully planned professional heists in favor of desperate street-based armed robberies, carried out to fund their next hit.
The detective was thrilled with the opportunity to reopen the case. As the officer in charge of the squad, it was his job to supervise the investigation, not do the legwork himself. But he planned to follow this one very closely.
He was pleasantly surprised to find that the 1996 file had not left the office. It was sitting on a shelf directly above the desk occupied by the investigator he had just assigned to the task of running the reopened case: John Bergin. The first task was to retrieve all of the exhibits from storage so they could be sent to Max Jones at the police forensic center for re-analysis. While the masks had yielded profiles back in 1996, the gloves and the hair samples collected from the balaclavas and a baseball cap had failed to give up any secrets.
Jones ordered a new DNA sample from Stamenkovic: a reference sample that could be used in the laboratory to compare with profiles obtained from the crime scene. He then began retesting the robbers' clothes. He could obtain DNA profiles only from the gloves, but was able to isolate DNA from three different people. Two full profiles were present, along with one very partial profile insufficient to identify anyone. One of the full profiles on one pair of gloves matched Stamenkovic.
Finding the Second Robber
Two months later, while detectives were tracing associates of Stamenkovic for testing, the DNA database linked a second name to the Glenroy bank job: career criminal Mikael Mann. He had been arrested after committing an aggravated burglary in a flat in the Melbourne bayside suburb of Elwood. Mann's accomplice had hooded and bound the female flat owner. Mann, who knew the victim, had held a gun to her head and robbed her safe of jewelry. The DNA profile taken from him matched the profile from the other mask and the other pair of gloves.
Mann had been committing dishonesty offenses since he was 17. By 2004, he had more than 63 convictions, including one for burglary and theft in Victoria and one for receiving stolen goods in New South Wales, for which he had been sentenced to five years, with a non-parole period of three. On his release in 2003, Mann had arranged to buy a U.S. exchange student's $7,500 Rolex watch, but had robbed him of it at gunpoint. Arrested a few months later in Sydney, he had been taken back to Melbourne and charged with armed robbery.
It was while he was on bail and waiting for his trial for this offense that he had taken part in the Elwood burglary, which had originally been planned as an insurance job in which the female victim was supposedly part of the conspiracy. But, partway through, Mann had realized that the victim was not in on it. When he was arrested straight afterwards, he had also realized that the police had been tipped off.
But Chrystie wasn't as happy with this news as might have been expected. Detectives don't believe in coincidence, and this result seemed too good to be true. It had been wonderful when, eight years after the crime, the DNA database had produced one offender's name. But when it came up with the second man's name a mere two months later, Chrystie couldn't help but suspect a mix-up in the files.
The problem was, the detective knew Mann. He had arrested him in Elwood only a few months earlier. Perhaps there had been a confusion with case numbers. Perhaps the DNA results should have said that Mann's profile was a match for material at that burglary scene. Detective John Bergin had also put a lot of effort into tracing possible associates of Stamenkovic – men who might have been his accomplice at Glenroy. Mann's name had never come up.
But exhaustive rechecking confirmed the result. Mann's DNA was, indeed, a match for the Glenroy tragedy mask. Stamenkovic and Mann were charged with the 1996 robbery. Both gave "no comment" interviews and pleaded not guilty: a great disappointment to Chrystie, who had been hoping for full confessions, to save the time and expense of a trial.
DNA Evidence on Trial
It was unusual for an armed robbery case to proceed with no identification evidence beyond the DNA. But the prosecution could produce nobody who had seen the accused men's faces or spotted them unmasked in a getaway car near the bank. There were no witnesses who had bought checks from them or who had seen them clutching wads of bank-fresh cash.
The pair faced trial in September 2007. The detectives were looking forward to it for a particular reason: they wanted to see the two men standing in the dock together. They were used to prosecuting robbers with obvious connections to each other: known associates heard blabbing together on tapped phones and who had done jobs – and time – together. But in this case, while the DNA evidence wasn't in doubt, the police remained uncomfortable with the fact that, for all their research, they had not been able to find hard evidence of any significant relationship between the two accused.
Mann was four years older and had a more serious criminal record, so the detectives assumed him to be the leader and Stamenkovic the follower. But, beyond that, they knew only that both came from Serbian family backgrounds, they had been to the same school, and both had a connection to Broadmeadows, the neighboring suburb to Glenroy. There was also a prison visit record suggesting that one had visited the other.
Seeing the pair sitting comfortably together in the dock, the detectives felt a little more peace of mind. But they remained worried, as did the trial prosecutor, Darrin Cain, about the jury's reaction to the DNA evidence. Although there had been plenty of trials in which DNA evidence had been an important feature, it was still rare for it to be the only evidence presented. Nevertheless, Cain was confident that Max Jones could present the DNA evidence in a way that the jury would find comprehensible and convincing.
But he expected the defense to present an independent DNA expert, and use him or her to confuse the jury and sow seeds of doubt in their minds. He braced himself for a clash of experts, in which the defense would raise problems with statistics and contamination. He spent hours preparing possible lines of cross-examination.
Jones was ready, Cain knew, for the defense to argue that the masks had been worn by the defendants and then passed on to others. But it was clear that there was only one sample of genetic material on each mask. The prosecutor also knew that one of the men had a brother who had been convicted of criminal offenses. Might the defense use that fact to blow smoke in the jury's eyes?
Cain was not permitted to tell the jury that the database had solved the case. He couldn't let on that the respectable-looking men in the dock had been DNA tested after committing crimes involving theft and violence: juries are not allowed to know if an accused person has prior convictions. Any mention of the wizardry of the DNA database would entail explaining how the defendants' profiles got there. But it was bad storytelling to have to gloss over this key aspect of the investigation and say only that the police had been acting "on information received" when they had reopened the case in 2004 and zeroed in on Mann and Stamenkovic. It sounded like he was hiding something.
He needn't have worried. Jones's presentation to the jury was a triumph of clarity. The key point that he made was that full DNA profiles had been extracted from each mask and set of gloves; in each case matching one of the defendants. This result was 98 million times more likely to happen if the biological material tested had originated from the defendants rather than from random individuals in the Victorian Caucasian population. And the two defense lawyers did not put up their own DNA expert after all.
Still, the defense attorneys did their best to remind the jury of the technical possibility that their clients' DNA had been transferred onto the masks by other items in the dumpster. They also suggested that both defendants were too wide to squeeze into the hole in the bank door, although the jury knew that 11 years had passed, meaning that the men's girths might have expanded in the meantime.
The defense lawyers hoped that the jury would be concerned by the fact that the prosecution had been unable to find any other evidence besides DNA to link the men to the robbery – concerned enough to find that the prosecution had not proved its case beyond reasonable doubt. But they were destined for disappointment. The jury found the pair guilty, and the judge sentenced them each to seven years, with a minimum of five.
While Chrystie and Bergin were delighted with the verdict, gratified by the DNA success story and relieved that neither man chose to appeal, the closing of the case left them with several unanswered questions: How had Mann and Stamenkovic met? Was the Glenroy heist the only job they had done together? Had they been working for another criminal? Was there a get-away driver? What had they done with the money? And where had they bought those damn masks?
If the detectives ever run into these two criminals after their release, those are questions they'll be asking.


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Funeral homes in Kalispell, Montana
Funeral Homes in Kalispell
Below you will find a list of all the funeral homes in Kalispell. Each listing provides full address details, map and directions to the funeral home and contact phone numbers.
What is the average cost of a funeral in Kalispell?
How much a funeral is going to cost can be an important question to many families today, and a deciding factor in which funeral home or cremation provider in Kalispell to select. The cost of a funeral can vary quite significantly, depending on the services provider you select and the type of funeral service you opt for.
The average cost of a funeral has been surveyed at $8,350 by the Cremation Association of North America (CANA), and $7,045 by the National Funeral Directors Association (NFDA). This cost does not include any cemetery fees, so the full cost for a funeral is likely to be nearer $10,000.
Funeral costs are made up of professional service fees and funeral merchandise. It is possible to reduce funeral costs by selecting a more affordable funeral services provider in Kalispell and purchasing funeral merchandise, such as a casket, from a third-party seller.
How much does a cremation cost in Kalispell?
The average cost of a cremation is $2,250 according to CANA. However, you are likely to find that cremation costs in Kalispell will differ between cremation providers and crematories. The price of a cremation will also depend on whether you opt for a basic cremation or a full service cremation.
Direct cremation in Kalispell
A direct cremation is a very simple and inexpensive cremation option. Kalispell direct cremation services offer a basic, no fuss, option to conduct a cremation disposition at the lowest cost possible. To find the best price on direct cremation in Kalispell, you need to check out the DFS Memorials provider for Kalispell.
Preplanning a funeral in Kalispell
Preplanning a funeral is an ideal way to ensure your final wishes are met and the finances to cover your funeral expenses are laid aside. It can remove a burden of emotional decision-making and financial stress from surviving family all important in these more difficult economic times!
You can take out a funeral plan with a funeral home in Kalispell, or make funeral insurance arrangements. Alternatively, you can set up a P.O.D account and document your wishes in readiness. A funeral planning guide for Kalispell is available in our Library/Info section on the left, as are many other articles to assist you plan a funeral in Kalispell.
Cremation plans in Kalispell
You can also arrange a prepaid cremation plan in Kalispell if you wish. Simple, low cost cremation plans are available from most cremation services providers. The cost for a cremation plan will depend upon certain factors, such as your age at the time of taking out the plan, how the plan is financed and what is included with the cremation plan.
There are some very affordable cremation plans in Kalispell, so be sure to check and compare cremation providers.
Send flowers to a funeral home in Kalispell
If you wish to send funeral flowers to a funeral home in Kalispell, you can select the funeral home to send flowers to, or click here to view a full selection of funeral flowers.

subset: commoncrawl


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Your chance to acquire the domain name smartjoinery on the extension .co.uk. Click the Buy It Now button to own the domain or use the offer email link. All domains are pushed instantly after payment is made so depending on your registry this could be in your account within minutes.
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Text SUPPORT1 to 21825 to learn if you may be eligible for financial support with your medication(s).Msg & Data Rates May Apply. Msg freq varies. Terms apply. Text HELP for help. Text STOP to end.
AMANTADINE (a MAN ta deen) is an antiviral medicine. It is used to prevent and to treat a specific type of flu called influenza A. It will not work for colds, other types of flu, or other viral infections. This medicine is also used to treat Parkinson's disease and other movement disorders.
Take this medicine by mouth with a full glass of water. Follow the directions on the prescription label. Take your medicine at regular intervals. Do not take your medicine more often than directed. Take all of your medicine as directed even if you think your are better. Do not skip doses or stop your medicine early. Contact your pediatrician or health care professional regarding the useof this medicine in children. While this drug may be prescribed for children as young as 1 year old for selected conditions, precautions do apply. Patients over 65 years old may have a stronger reaction and need a smaller dose.
Side effects that you should report to your doctor or health care professional as soon as possible:
allergic reactions like skin rash, itching or hives, swelling of the face, lips, or tongue
breathing problems
changes in vision
color changes on the skin
depressed mood
eye pain
falling asleep during normal activities like driving
hallucination, loss of contact with reality
new or increased gambling urges, sexual urges, uncontrolled spending, binge or compulsive eating, or other urges
signs and symptoms of low blood pressure like dizziness; feeling faint or lightheaded, falls; unusually weak or tired
swelling in your legs and feet
suicidal thoughts or other mood changes
trouble passing urine or change in the amount of urine
trouble sleeping
uncontrolled movements of the mouth, head, hands, feet, shoulders, eyelids or other unusual muscle movements
Side effects that usually do not require medical attention (report these to your doctor or health care professional if they continue or are bothersome):
dry mouth
antihistamines for allergy, cough and cold
certain medicines for bladder problems like oxybutynin, tolterodine
certain medicines for stomach problems like dicyclomine, hyoscyamine
certain medicines for travel sickness like scopolamine
sodium bicarbonate
some flu vaccines
If you miss a dose, take it as soon as you can. If it is almost time for your next dose, take only that dose. Do not take double or extra doses.
Keep out of the reach of children.
Store at room temperature between 20 and 25 degrees C (68 and 77 degrees F). Keep container tightly closed. Throw away any unused medicine after the expiration date.
They need to know if you have any of these conditions:
depression or other mental illness
heart failure
if you drink alcohol
kidney disease
low blood pressure
sleep apnea
suicidal thoughts, plans, or attempt; a previous suicide attempt by you or a family member
an unusual or allergic reaction to amantadine, other medicines, foods, dyes, or preservatives
pregnant or trying to get pregnant
Tell your doctor or health care professional if your symptoms do not improve.
You may get drowsy or dizzy. Do not drive, use machinery, or do anything that needs mental alertness until you know how this medicine affects you. Do not stand or sit up quickly, especially if you are an older patient. This reduces the risk of dizzy or fainting spells. Alcohol may interfere with the effect of this medicine. Avoid alcoholic drinks.
If you are taking this medicine for Parkinson's disease or a movement disorder, be careful. Slowly increase your daily activities as your condition improves. Do not suddenly stop taking your medicine because you may develop a severe reaction.
You may get dry mouth or eyes, or blurry vision while taking this medicine. Try sugarless gum or hard candy, and drink 6 to 8 glasses of water daily. Brush and floss your teeth regularly and carefully to avoid teeth and gum problems. You may want to wet your eyes with lubricating eye drops. Talk to your doctor if these symptoms become a problem.
There have been reports of increased sexual urges or other strong urges such as gambling while taking some medicines for Parkinson's disease. If you experience any of these urges while taking this medicine, you should report it to your health care provider as soon as possible.
You should check your skin often for changes to moles and new growths while taking this medicine. Call your doctor if you notice any of these changes.
Francesca Torriani, MD
Medical Director, Infection Prevention and Clinical Epidemiology
UC San Diego | School of Medicine


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Guess what, I'm on the design team at Tuesday Trio! I'm very excited to be a part of this Israeli sketches & challenges blog.
This layout was inspired by sketch #39 @ Tuesday Trio. The extra challenge was 3D:
In the picture my SIL and her son are fooling around in Hollywood Studios.
I used: Miss Elizabeth's cardstock, Sonburn cardstocks, Fiskars border punch, Ink It Up! black ink, Deflect-o vynil letter stickers, ChatterBox letter stickers, Sakura Glaze white pen, Sharpie, Unidentified: tag, ribbons, chipboard.
Tuesday Trio is having a Blog Hop, in which you can win a digital scrapbooking kit! Just hop to the designers blogs & collect words. My word is "leaves" "עלים". I wish you all good luck! Here is the list of designers:
Amanda Kremer - http://scrappnbee.blogspot.com
Chen Rosenberg - http://cheniros.blogspot.com
Dailly Gelber - http://blog.tapuz.co.il/daillyg
Jeannie DeGruccio - http://polkacabana.wordpress.com
Maya Dahan - http://mayadahan.blogspot.com
Michal Shoval - http://michalshoval.blogspot.com
Orly Shamir - http://orlishamir.blogspot.com
Have fun!
I would love to read your comments!


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Your Double Helix
|Maximizing the Value of Your Exercise
|Vigorous exercise provides a mechanical challenge to your musculoskeletal system. When you exercise, you impose stresses and loads on your bones, muscles, tendons, and ligaments. As a result, your bones and muscles get stronger and the elasticity and distensibility of the associated soft tissues improves. These improvements take place physiologically, that is, naturally, as a direct result of the design elements built-in to your body.
But structural problems may interfere with these natural processes. Owing to nerve interference and spinal misalignments, you may derive less benefit from the valuable time you spend exercising. Exercise may even lead to injury.
Regular chiropractic care detects and corrects these structural problems, including spinal misalignments, helping restore proper functioning of your nerve system, your body's master system. Seeing your chiropractor regularly helps you achieve the greatest benefit from your exercise activities.
Not everyone will admit this, but there's something magical about exercise. Your brain produces endorphins in response to vigorous exercise and you feel energized, alert, and alive. You derive tremendous satisfaction from doing something you said you'd do. You feel good about yourself all day long. Beyond these benefits related to personal fulfillment, regular vigorous exercise builds strong muscles and bones and strengthens your cardiopulmonary system. Your heart and lungs become substantially more efficient. Your heart pumps more blood with every beat and your lungs take in more air with every breath. Your entire physiology, that is, every one of your cells, tissues, and organs, benefits from a consistent program of regular exercise.
Yet, remarkably, there's more. Medical researchers and public health policy makers have long known that regular vigorous exercise helps improve the health of people with diabetes, heart disease, many types of arthritis, and even cancer. But more recently, within the last couple of years, scientists have been finding that exercise causes lasting changes in the configuration and functioning of human genes.
As we all know, our genetic inheritance is encoded in complex, tightly wound strands of DNA. Our genetic code comprises only four nucleotides - adenine, thymine, guanine, and cytosine - biochemical structures whose precise sequence contains all the information required to produce a living human being. (Some fun facts: There are approximately 3 billion "base pairs" of DNA in a human cell. A single uncoiled strand of DNA is approximately 3 feet (1 meter) in length. In contrast, human cells average 25 millionths of a meter in diameter.). Up until 10 or so years ago, it was generally accepted that genes (specific sequences of base pairs) controlled all protein formation and all physiologic functioning. But within the last 10 years, numerous discoveries have demonstrated a variety of additional factors that contribute to individual genetic expression. One such mechanism involves "epigenetics", the process of "tagging" genes with small "side groups" or "markers". The attachment of a methyl side group (—CH3), an action known as methylation, modifies a gene's expression, boosting its output or turning it off completely. Researchers have now consistently demonstrated that regular exercise influences and even reprograms the epigenetic pattern of methylation.1,2
One study has demonstrated that exercise-associated methylation patterns impact genes associated with energy metabolism and insulin response in muscles.3 These findings, if reproduced by follow-up studies, would go far toward clarifying the role of exercise in relieving the symptoms of many chronic diseases.
The conclusion is that not only does exercise make you look good and feel good, it also exerts a profound effect on the most basic components of human physiology. Our long-ago high school gym teachers who exhorted us in seemingly endless rounds of sit-ups, push-ups, pull-ups, and squat thrusts knew what they were doing. It's up to us to continue the program.
1Denham J, et al: Exercise: putting action into our epigenome. Sports Med 44(2):189-209, 2014
2Ronn T, et al: A six months exercise intervention influences the genome-wide DNA methylation pattern in human adipose tissue. PLoS Genetics 2013 Jun;9(6):e1003572. doi: 10.1371/journal.pgen.1003572
3Lindholm ME, et al: An integrative analysis reveals coordinated reprogramming of the epigenome and the transcriptome in human skeletal muscle after training. Epigenetics 2014 Dec 7:0. [Epub ahead of print]


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Item Description
General Order No. 2, Headquarters Kansas Volunteers, For the Protection of the Ballot Box
Author: Conway, Martin Franklin; Lane, James Henry, 1814-1866
Date: July 20, 1857
General Order No. 2 established divisions and brigades which were to protect the ballot box in Topeka. It lists the divisions, brigades, and the superintendents of the divisions and brigades. James Lane was organizing the Kansas Volunteers and Martin Conway was the Adjutant General for the K.V.
Location of Original: KSHS Call Number: Port Vault 324 1857 copy 1
Item Number: 100001 Number of images: 3
Keywords: Conway, Martin Franklin; Deitzler, George W.; Election, Topeka Constitution, August 1857; Grasshopper Falls, Kansas Territory; Kansas Volunteers; Kansas Volunteers for the Protection of the Ballot Box; Lane, James Henry, 1814-1866; Lawrence, Kansas Territory; Militia; Moore, H. Miles (Henry Miles), b. 1826; Plumb, Preston B., 1837-1891; Root, Joseph P., 1826-1885; Stewart, John E.; Topeka, Kansas Territory; Voting; Williams, Henry H.; Wyandotte County, Kansas Territory
pg. 1


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It has now been roughly half a year since the release of Mountain Lion. If Apple sticks to its new yearly release cadence for new OS X versions, that means we're probably about halfway to OS X 10.9. That doesn't mean the OS has stood still, though—two point updates have since tweaked the operating system's functionality and stability, and this is even more true of OS X's buttoned-up cousin, OS X Server.
While Windows Server rarely picks up major new features outside of service packs, OS X Server is like the client version of OS X in that it sometimes takes a couple of point updates for its features to stabilize. Since July, we've received two point updates for OS X Server, and they've changed things around enough that it merits revisiting our original guide and pointing out what has changed.
We'll be focusing on the major user-facing changes here, but for a complete list of everything that has been changed and fixed you may also want to look at the complete release notes for OS X Server 2.1.1 and 2.2.
As we've discussed, Lion and Mountain Lion have been slowly migrating features from the older but more feature-rich Server Admin Tools apps to the simpler but more user-friendly Server.app. In that process, several services have gone missing, either removed from the product completely or relegated to the command line.
In the original release, the DHCP service was one of those that had vanished, but it has since been restored to Server.app. Like the other OS X Server services, DHCP is aimed toward people who have some idea of how networking works but don't have much server administration experience.
It's a reasonably capable way to replace your router's built-in DHCP capabilities—it allows you to configure multiple subnets on different physical network interfaces (or VLANs, for Macs with only one physical network interface), configure your DHCP ranges, set DHCP lease time, reserve specific IP addresses for specific clients, and view information on connected clients. Depending on your router's firmware, you may actually have more network configuration options there than OS X gives you, but for homes or small businesses it's nice to have all of these settings available in one simple tool, especially if you're using it in conjunction with the DNS service and don't want to have to jump around between different administration tools.
Profile manager
The Profile Manager is one of OS X Server's most useful features, since it allows administrators to control settings and install applications on multiple OS X and iOS clients at once. Between versions 2.0 and 2.2, it has picked up several features that should appeal to IT admins looking to lock their systems down.
Specifically, it restricts access to the Mac App Store: you can restrict your users' access to the store to disallow the purchase and download of new applications while also allowing updates for currently installed applications to come through. Administrators can also now delete applications uploaded to the Profile Manager (which seemed like a strange oversight on Apple's part, but hey, at least it's fixed now).
One other new feature, called the "caching service" in Apple's documentation, exists somewhere between the Profile Manager and the Software Update service: in addition to caching new and past updates for the core Apple software that's part of every OS X install, servers with the Software Update service enabled will download and cache updates to Mac App Store apps you've purchased for your systems, further saving bandwidth if you've purchased apps like Pages or Numbers en masse.
Finally, if your OS X Server and its Open Directory are integrated with a Windows Active Directory server, you can now use your already-configured Active Directory groups in Profile Manager to distribute settings and apps, rather than recreating these groups solely for use with your Macs and iOS devices.
Time Machine
The operation of the Time Machine service remains simple: it's an easy way to offer backup services to a handful of Macs in the absence of an external hard drive or a home NAS device. In the updates since launch, the page in Server.app has gotten a bit more useful: you can now see the amount of free space on your backup volumes easily in the Destinations tab, and the Backups tab will show you what machines are backing up to your server, how much space they're using, the owner of the system in question, the encryption status of the backup, and how long it's been since the last backup. With the backup date checking also comes a new server alert, which will tell you when computers connected to your Time Machine server haven't backed up in ten or more days.
Our wish list for the Time Machine service is still quite long—none of this is quite as useful as user- or computer-specific Time Machine disk quotas, server-specified backup intervals, and server-side exceptions for files and folders would be. Given that there was no change in the Time Machine service between 10.7.5 and 10.8.0, however, there are nice (if belated) additions.
Conclusions, and thoughts on the future
You may have noticed that the App Store download for OS X Server is labeled version 2.2, in spite of the fact that OS X Server has been around since before the client version of the software was available to consumers. This refers specifically to Server.app, the simplified administration console introduced in Lion as version 1.0.
As we mused in our original guide, the Server application has now been decoupled from the core operating system, and the two update independently of one another—Server 2.1 was issued at about the same time as the OS X 10.8.2 update, but Server 2.2 was released some months after and there's no version of Server 2.3 slated to come out alongside the imminent OS X 10.8.3 update (at least if Apple's developer site is any indication).
This has a couple of implications, most obviously the fact that you no longer need to install potentially service-breaking updates to Server.app to install the latest OS X security updates on your system—in versions 10.0 through 10.7, OS X Server got its own delta and combo updaters that bundled all of the Server stuff in with fixes for the core OS.
The second (and slightly more speculative) implication is that OS X Server updates may no longer track with updates to OS X itself. We may see a new Server 3.0 app released alongside OS X 10.9 when it comes out later this year, but we may also simply see a new Server 2.x release that ensures all of the existing services continue to work with new Macs. Given the incremental changes and updates between OS X Server 10.7 and 10.8 (and the changes that have continued to trickle in since 10.8.2), we could be looking at a future where OS X Server development is more Chrome-like: progression through relatively frequent but minor updates, rather than large all-at-once pushes for major new features.
At any rate, the changes we've outlined here are just a few of the new things included in the last two OS X Server point updates—plenty of other security and stability tweaks have been made, and they should hopefully prevent you from having some of the scattered stability issues we mentioned in our original guide. Other changes have been made specifically to resolve issues for people who are upgrading to Mountain Lion from an older version of OS X Server—once again, you should check the release notes for update 2.1.1 and 2.2 to see if you've been wrestling with a particular problem that now claims to be solved.


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Scarcely two full months since developers received final shipping of Visual Studio 2013, Microsoft has this week informally blogged details of the final version of Visual Studio 2013 Update 1.
This first update addresses a number of fixes and enhancements, but a more significant feature update for Visual Studio 2013 (jauntily known at this stage as "Update 2") is also reportedly scheduled to be on the way this spring 2014.
Microsoft Developer Division VP Soma Somasegar provides a link to the Update 1 for Visual Studio 2013 and says that it is a "targeted update" to address the challenge of getting VS 2013 working better with versions of IE prior to IE 10.
"This update arrives as we finish up a great wave of Visual Studio 2013 launch events. Two million developers watched the Visual Studio launch videos online, and tens of thousands joined in person at events around the world. Video overviews of all areas of Visual Studio 2013, .NET 4.5.1, Team Foundation Server 2013, and Visual Studio Online are available now on the Visual Studio Channel on YouTube," said Somasegar.
Microsoft technical fellow Brian Harry had slightly more details and explained that the good news here (particularly for TFS users) is that Update 2 is very close behind Update 1.
"There will be a new version of TFS released for Update 2. We're just wrapping up feature work on Update 2 this week and will soon be releasing our first CTP. We're just beginning the process of polishing, bug fixing, etc. to release a solid update," he said.


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After feedback from top advisors, Morgan Stanley (MS) says it will share a new stock-ownership plan with them in 2013.
"What is most different is that we are giving financial advisors the chance to buy Morgan Stanley stock at a discount in 2013," said a company official on Thursday. "This ownership opportunity was highly requested by our most successful advisors and management, who saw these programs in place at legacy firms and wanted it."
The plan, which is being referred to as a capital-accumulation program, is available to those advisors and branch managers who have been with Morgan Stanley for at least five years and who have $400,000 or more in fees and commissions in 2012. The firm has close to 17,000 reps and is led by James Gorman.
Advisors able to "meet these hurdles," can invest up to 25% of pre-tax earnings or $150,000. For every 100 shares purchased, they will receive 20 extra or bonus shares. Those in the firm's Chairman's Club need only have been with the wirehouse for three years and can invest up to 25% of pre-tax earnings or $250,000. They will get 25 bonus shares for every 100 purchased. The shares vest immediately and will be distributed on April 15, 2016.
"This is an indication of how much we value advisors," explained the company official. "While it's true that lots of firms have deferred compensation, this is at most a three-year vesting program. It's very aggressive and speedy."
Retention Rescue
Experts say the new comp plan may also help Morgan Stanley retain more advisors. In the third-quarter, it had 16,829 advisors, down 1% from 16,934 in the second quarter and 5% from 17,661 a year ago.
"The timing of these award programs couldn't be better for Morgan Stanley," said Mark Elzweig, a New York-based executive-search consultant, in an interview with AdvisorOne. "They need to introduce some credible programs to stem broker defections and to prevent their headcount from dropping further."
The upfront portion of retention awards that advisors received in January 2010 amortize on a nine-year schedule, Elzweig points out, which is considerably longer than the three-year time frame of the new capital-accumulation program..
(While it has been losing some advisors, of course, it's been actively recruiting as well. Earlier this week, it said it recently recruited eight advisors from Bank of America-Merrill Lynch (BAC) and Barclays with a total of $5.5-plus million in yearly fees and commissions and close to $780 million in client assets under management.)
Growth Awards
Morgan Stanley also says it will award bonuses to those FAs with positive growth in net new assets in 2013 and in the top 40%-revenue growth category.
The wirehouse, which adds that this is the "most lucrative ever offered by the firm," is structuring the bonus as an upfront load to be paid in full in early 2014 and forgiven over five years.
The growth premium ranges from 2% to 5% of grid revenue with no maximum. For those with net acquired assets of at least $5 million, an award of 5 to 20 basis points of up to $157,500 will be paid.
A banking/lending bonus of 35 to 50 basis points is also available for growth in loan balances up to $127,500.
Other Shifts
The bonus for total revenue in 2013 will be cut by 2% to cover other adjustments. In 2013, Morgan Stanley will award bonuses ranging from 0.5% to 4.5% on fees & commissions of $750,000 to $5 million.
The company will continue to treat accounts for households with under $100,000 differently than other accounts. But it has not raised this asset minimum, unlike some rivals, a company official said.
The grid rate of 10 to 20% on managed-account assets held by these households remains in effect. Plus, there is no payout on transactional business tied to these accounts. (Reps will get gross revenue credit for clubs and grid thresholds for such transactions.)
In terms of revenue for non-U.S. residents, Morgan Stanley will cut the grid rate by 10% in 2013 for reps who did less than $100,000 in revenue with these clients in 2012.
"We remain with one of richest deferred comp plans on the Street, even with a 2% reduction," a company source noted.
Smith Barney History
The new stock-compensation policies should be particularly attractive to the former-Smith Barney reps within Morgan Stanley, Elzweig (right) shares.
"The old Smith Barney plan, which allowed brokers to accumulate Smith Barney stock at a discount, was very popular," he said. "Smith Barney worked hard to ensure that most of it's top producers were in this plan, and branch managers were charged with selling it to their brokers."
Still, rivals are expected to respond to Morgan Stanley's latest compensation moves. "The other wirehouses aren't going to just sit there and watch their retention awards expire either," Elzweig added. "We expect that they'll be introducing their own [new] retention programs, as well."


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text:
Bank of America may be about to take up a newly popular way to blend business and philanthropy.
The Charlotte Observer reported Friday that the bank had applied for a trademark on the phrase "Anything a Society Truly Wants Can Be Financed and Achieved," which its applications said applied to social impact bonds or "project financing for socially beneficial programs."
Social impact bonds, also called "pay for success" bonds, allow "investors" to put money toward a good cause and to earn a return if its goal is achieved.
BoA declined to provide information about its plans, the report said.
In August, New York City announced a social-impact bond program, financed by Goldman Sachs. Its goal is to reduce recidivism among youthful offenders at Rikers Island jail.
If this happens, Goldman can get its money back and stands to earn a profit, depending on the extent of the improvement.
Social impact bonds are relatively new on the charity scene. Britain rolled out a social impact bond two years ago to finance a program for 3,000 prisoners at Her Majesty's Prison Peterborough, The New York Times reported in November.
Since then, the U.S. government and several states and municipalities around the country have looked into launching programs, most to address chronic problems such as homelessness and prison overpopulation. The Charlotte Observer reported that the White House earlier this year had said it would like the federal government to put $100 million toward these programs.


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From entry to bedroom and from the kitchen to the home office. You will find the decorating help for every room in your house. You can decorate your bedroom, kitchen, living area and other spaces with the versatile ideas of interior designs. Various furnishings, wall decorating things, display units, chest of drawers, sofa sets all these things completes the phenomena of interior design. It is a reflection of your personality and good taste. Here are some beautiful ideas of decoration for different spaces, have a look on them:
Living room: From being formal parlour to a favourite get together place, a living room is always the versatile and beautiful place of your house. You all gather here for socializing, entertainment, study and other small house parties. Nowadays, they may be a great room that is contiguous with the kitchen and dining area. One of the first things is to decide on a focal point for the living room and where you want to create conversation place. Your selection and arrangement of furniture for this place should be pre-planned according to requirements. The main elements are the sofa, rugs and carpets, display units, lightings, wallpapers and others should be chosen wisely according to available space and dimensions.
Bedroom: You spend maximum time of your life in the bedroom. You should consider carefully how to make it a peaceful and restful place. This includes choosing the bed, wardrobes and other bedroom furniture. When you can spend enough on beautiful things, so buying a good quality mattress and pillows adds beauty and elegance to your room. The choice of colours should be lighter if you are a morning person and darker is best for later risers. Lighting is an important factor for setting the right mood as well as allowing you to get dressed and read in the space. You should search online interior design ideas for better options.
Children's room: For kids room, there are the variety of designs and ideas for a girl child and boy child separately. Different themes and furniture were available for kids room. You should look online for enormous ideas. Kids room should be colourful, have enough storage space for their toys and other stuff and have safe and comfortable furniture.
Bathroom decor: If you want a lavish bathroom like an elegant spa, then you should use the graceful design ideas for bathrooms such as how to make it sophisticated and organised with the idea of cabinets, tile, mirrors, sinks, lighting and accessories. But you will also need the best ideas for small accessories that will make the space look and feel spacious. If it is going to be a full renovation, there are lots of ideas for remodelling the entire bathroom from choosing sink to different organisers.
Kitchen designs: The kitchen designs may be expensive to renovate, so you will carefully plan and consider the interiors. You will have to make special concern for small kitchen space that makes this spacious and more organised with enough storage. Nowadays there are various beautiful interior designs for kitchen available under budget. These include deep cleaning, freshening the paint, changing the cabinets and adding the lightings and other accessories.
Dining room decorating: The dining table is the focal point or centrepiece of the room, with special concerns for small dining areas. Also, you need to consider the dining chairs with it. The chandelier is another component that will show you the styles and theme for your meals. Other accents for this place are tableware, curtains and drapes.
Decorating foyer: The foyer should be an inviting area that sets the theme for the rest of the dwelling, but there are also many practical things to be considered. You can check online the ideas for flooring, tables, storage, chandelier and many more.
Designing home office: Maybe you will have different kinds of needs if you'll be seeing clients at your home office. You can decorate it with display units, racks, bookshelves, a beautiful large table and set of chairs.
Author has interest in interior designing and decoration. She explores new ideas in designing and decoration. She loves to share her ideas of interior designing through her writing.


text: Our car mats are made independently of the vehicle make. This means they are not considered genuine Peugeot : 207 CC 2 Door Cabriolet Mar2007 on car mats but are absolutely suitable/compatible for this make and model. We have been manufacturing car mats for over 20 years and our quality is second to none. Request a price and see how much you will save.


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During this season, there will be shortage of products from some of your favorite stores, currently closed. If you can't find an alternative product reach out to our support team on WhatsApp +250786456686 for further inquiry.
PATCHOULI OF RWANDA (10ml)
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We offer returns, refunds and replacements if need be. Terms & Conditions apply.


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Here you'll find sermons, talks, and lectures that I have given around the Episcopal Diocese of Texas and other dioceses around the country. You can learn more about my weekly Bible Study here and my Amplified Church project here.
Thanks for taking a listen!
--C. Andrew Doyle, IX Bishop of Texas
Dec 18, 2013
Sermon given at St Timothy's Houston 3 Advent 2013
A blog devoted to the podcasting of sermons by the Rt. Rev. C. Andrew Doyle, IX Bishop of the Episcopal Diocese of Texas. Blog is found at texasbishop.blogspot.com or you can connect through www.epicenter.org
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***iTunes New and Noteworthy Podcast, April 2012***
JapanesePod101.com is an innovative and fun way of learning the Japanese language and culture at your own convenience and pace. Our language training system consists of free daily podcast audio lessons, video lessons, Japanese Word of the Day, Premium tools, and a vibrant user community. Go to JapanesePod101.com to sign up for a Free Lifetime Account and get even more fun, fast and easy Japanese lessons!
Learn Japanese | JapanesePod101.com (Audio) – JapanesePod101.com
***iTunes New and Noteworthy Podcast, April 2012***


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Circa 1910
A pair of three light sconces with foliate details in their original silverplate finish. Signed by the New York maker Sterling Bronze Co.
Ready to ship.
Overall: 12" h. x 12-1/8" w. x 8-1/2" d.
Backplate: 11-1/4" h. x 7-1/4" w.
3 Candelabra sockets, maximum 60 watts per socket
2" x 3" Vertical junction box recommended
Dry UL listing available with modifications; please contact your salesperson for pricing.
See related antiques: AIS2760, AIS2762
1 pair total available.
On display at our 28th Street showroom.


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Sondi Burnell
Coordinator, Academic Support & Assistive Technology
Sondi Burnell has worked for Grinnell College since 1998. During Burnell's term, she has worked for the Office of the Registrar, Office of Admission and currently works under the Academic Affairs and Dean of the College, in Goodnow Hall. In 2013, she was promoted to Academic Technology Support Specialist providing support of the integration of technology into teaching and learning; serving as a resource in the use of assistive technologies for disability accommodations and to promote broad understanding of the role of accessible technology in education. Burnell appreciates the very diverse climate that exists among the different departments she has worked in over the years. Training and experiences in these departments have given her the knowledge to understand the processes and goals of the different segments of the College, and how we all strive for the common mission of the College. Burnell has served on multiple ad-hoc committees: Ombuds, SSRC, Information Technology Assessment, Campus Climate Assessment and Community Space. Burnell believes open communication and the move toward a collaborative working environment is one of the key components to any entity.
Her passion outside of Grinnell College consists of serving as the Fourth Ward Councilwomen for the City of Grinnell. (2011-Present), attending local school board meetings, attending her children's track meets, soccer, basketball tournaments and baseball games, along with spending time with family horseback riding and camping.


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There's an interview with me up now on Buddhist Geeks. So go read it. Or listen to it. Or both. Or neither. Or both and neither. Or neither both nor neither.
Also somebody sent me this funny article that reveals the truth about Zen.
I've been thinking more about death. A friend of mine told me his mom is dying of cancer right now. I like his mom. She's very cool.
But after watching what my own mom went through I know there are many fates worse than death. And I don't really think dying is all that bad of a thing just in and of itself. Of course it's best to postpone it as long as feasible. I plan to live as long as I can.
I can't say I have no fear of death. But I no longer have a fear of annihilation. Annihilation goes on all the time. If you're gonna fear annihilation at the moment your body ceases functioning, you might as well fear it right now because the you that started reading this article is utterly gone.
That thing that you call "me" has no limits. Birth and death can't touch it. And yet there will come a day when you'll be gone, daddy, gone. And nothing will bring you back again. What you really are is more real, and more you, than anything you can conceive of.
When death comes naturally, it should be allowed to happen. Sure. Fight it off when you have a fighting chance. But when it's time to go, go in peace knowing there is nowhere to go but here.


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Microsoft has announced that its Surface tablets will be available from more retailers within the next few days. Customers in the US and Australia will be able to buy Surfaces from non-Microsoft outlets from mid-December, with extended availability in other countries coming in the next few months. The first such retailer to be confirmed is Staples, and it will start selling Surfaces on December 12th.
Update: Now Best Buy has confirmed that it'll be selling the devices too. They'll be available online from the 12th, in-store from the 16th of December.
To meet demand for the devices, the company has also announced that it has ordered its manufacturing partners to increase production and build more units, contradicting reports last month that it had scaled back orders.
Microsoft CEO Steve Ballmer said in November that the company planned to expand Surface's availability. These plans have been brought forward, with Steve Schueler, corporate vice president, Microsoft Retail Sales and Marketing, saying, "Our plan has been to expand the retail presence for Surface after the first of the year. Based on interest from retailers, we are giving them the option to carry Surface with Windows RT even earlier."
Microsoft is also expanding its own series of retail stores. The company opened a number of temporary stores on October 26th for the holiday season. All of these stores will be kept open into next year and a number of them will now be converted into permanent retail locations.


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Lin Manuel Hamilton
Giclée print on 300gsm Matte Satin Archival Quality paper
Available in A4, A3, A2, A1 sizes and 500mm x 700mm
Delivers worldwide.
UK Shipping - £6
International Shipping - £10
NB. Frame not included.
Please allow up to 10 days for delivery in the UK, 14 days for overseas delivery.


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Keegan Deane (Greg Kinnear) is a lawyer who owes $59,000 to a bookie, has overstayed his welcome at his best friend�s house, is always late for his weekly appointment with a prostitute, and over the course of one very long day becomes an enemy of the mayor of Los Angeles and its entire police department. He also gets paid by a client in the form of a very large blue fin tuna. The idea that the tuna pretty much co-stars with Kinnear in the first episode of this new comedy from Fox is one of the reasons I like the show. The other is Kinnear, who makes you want to root for Deane and his hot mess of a life, even when you know the tuna situation (or really any) is not going to go his way.
In fact, very little goes Keegan�s way in the first episode of �Rake.� He wins $5,300 in a poker game, but the loser is broke and can�t pay. He represents a confessed multiple murderer for the publicity but is ignored by the press when a �second rate Bernie Madoff� grabs all the headlines. He loses his dignity frequently. But he�s not a complete loser, which is what saves this series from becoming more than a comedy about a vain, self-defeating man-child who gives in to every desire.
To be clear, Keegan is a vain, man-child who sabotages his life, but he�s also a clever lawyer who, in between drinking too much and placing bets he can�t pay, knows how to do his job. The serial killer case isn�t full of twists and turns and Keegan isn�t going to be confused with an attorney who might show up on an old episode of �Law and Order� but he has enough skill to discover a flaw in the evidence that could make his career. In the end, Keegan�s sense of justice keeps him from an unethical choice. He might get paid in fish but his professional life isn�t a constant punchline.
His personal life, however, is another story and that�s where �Rake� is entertaining. He gets into situations that are absurd enough to make you laugh, but not so ridiculous that they become farcical. Trying to sell a tuna worth $25,000 isn�t so crazy when you owe a bookie more than twice that amount. Then again, he�s a lawyer going around L.A. trying to sell a tuna and he owes a bookie $59,000. ...
As the series title suggests, Keegan is a �rake� who lacks restraint and indulges in his vices but thanks to Kinnear�s charm, he isn�t an unlikable character. (The good lawyer depiction helps here, too.) Ultimately, Keegan is like the friend who has a way of messing up your life, just a little, every time he crashes into it. You tell him to grow up. He doesn�t. You like him anyway.
�Rake� premieres Thursday, Jan. 23 at 9 p.m. EST on Fox.
Melissa Crawley is the author of �Mr. Sorkin Goes to Washington: Shaping the President on Television�s �The West Wing.�� She has a PhD in media studies and is a member of the Television Critics Association. To comment on Stay Tuned, email her at email@example.com or follow her on Twitter at @MelissaCrawley.


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The Securities and Exchange Commission and the Department of Justice on Tuesday charged hedge fund advisory firm CR Intrinsic Investors LLC, which is a unit of SAC Capital Advisors, and its former portfolio manager along with a medical consultant for their roles in a $276 million insider trading scheme. The SEC says in its civil complaint that the illicit gains in the alleged scheme make it the largest insider trading case ever charged by the agency. The DOJ filed a separate, criminal complaint on Tuesday.
The alleged scheme involved a clinical trial for an Alzheimer's drug being jointly developed by two pharmaceutical companies.
The SEC alleges that Mathew Martoma, a former trader for the Stamford, Conn.-based hedge fund, illegally obtained confidential details about the clinical trial from Dr. Sidney Gilman, who served as chairman of the safety monitoring committee overseeing the trial. Gilman was selected by Elan Corp. and Wyeth to present the final drug trial results to the public.
According to the SEC, in phone calls that were arranged by a New York-based expert network firm for which he moonlighted as a medical consultant, "Dr. Gilman tipped Martoma with safety data and eventually details about negative results in the trial about two weeks before they were made public in July 2008. Martoma then caused several hedge funds to sell more than $960 million in Elan and Wyeth securities in just over a week."
Gilman, who lives in Ann Arbor, Mich., where he works as a medical school professor, has agreed to settle the SEC's charges and cooperate in this action and related SEC investigations. Gilman has agreed to pay more than $234,000 in disgorgement and prejudgment interest. In a parallel action, the U.S. Attorney's Office for the Southern District of New York on Tuesday announced criminal charges against Martoma and a non-prosecution agreement with Gilman. Martoma lives in Boca Raton, Fla.
Gilman has also agreed to a permanent injunction against further violations of the federal securities laws. The proposed settlement is subject to approval by the court, which also will determine at a later date whether any additional financial penalty is appropriate.
"Today's record-setting insider trading case reinforces the cold, hard lesson of so many other recent cases that when you trade on inside information, you're not just betting your money but also your career, your reputation, your financial security, and your liberty," said Robert Khuzami, director of the SEC's Division of Enforcement, in a statement. "Now, yet another corrupt hedge fund manager has learned the high cost of ignoring that lesson."
Sanjay Wadhwa, associate director of the SEC's New York Regional Office and Deputy Chief of the Enforcement Division's Market Abuse Unit, added in the same statement, "Today's action against CR Intrinsic underscores our commitment to hold hedge fund advisory firms accountable when their employees break the law for the firms' benefit. The clear message is that firms should adopt appropriate procedural safeguards and a culture of zero tolerance toward employee misconduct that could subject the firm to such serious consequences."
The SEC's complaint filed in federal court in Manhattan explains how the scheme worked. Martoma first met Gilman through paid consultations arranged by the expert network firm. Gilman provided Martoma with material nonpublic information concerning the Phase II trial of the potential Alzheimer's drug called bapineuzumab (bapi). They coordinated their expert network consultations around scheduled safety monitoring committee meetings, and during their phone calls they discussed PowerPoint presentations made during the meetings and Gilman provided Martoma with his perspective on the results. Gilman developed a personal relationship with Martoma, eventually coming to view Martoma as a friend and pupil.
The SEC alleges that Martoma caused hedge funds managed by CR Intrinsic as well as hedge funds managed by an affiliated investment advisor to trade on the negative inside information he received from Gilman. "Although Elan and Wyeth's shares rose on June 17, 2008, on the public release of top-line results of the Phase II trial, market participants were disappointed by the detailed final results issued on July 29, 2008. Double-digit declines in Elan and Wyeth shares ensued," the complaint says.
"After Martoma was tipped, the hedge funds not only liquidated their combined long position in Elan and Wyeth of more than $700 million, but went on to hold substantial short positions in both securities. This massive repositioning allowed CR Intrinsic and the affiliated advisory firm to reap approximately $82 million in profits and $194 million in avoided losses for a total of more than $276 million in illicit gains," the complaint says.
According to the SEC's complaint, Martoma received a $9.3 million bonus at the end of 2008–a significant portion of which was attributable to the illegal profits that the hedge funds managed by CR Intrinsic and the other investment advisory firm had generated in this scheme. Gilman, who was generally paid $1,000 per hour as a consultant for the expert network firm, received more than $100,000 for his consultations with Martoma and others at the hedge fund advisory firms. Gilman also received approximately $79,000 from Elan for his consultations concerning bapi in 2007 and 2008.


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Kislak Center for Special Collections, Rare Books and Manuscripts [Contact Us]
(Bulk: 1898-1975)
Mahler, Alma, 1879-1964
Werfel, Franz, 1890-1945
Extent: 134 boxes
The collection comprises the personal papers of Alma Mahler, the personal and professional papers of Franz Werfel, memorabilia related to Gustav Mahler, and the research files of Adolf D. Klarmann concerning Franz Werfel. Materials include correspondence to and from Alma Mahler and Franz Werfel, as well as to and from Adolf Klarmann, sometimes on behalf of Alma; writings of Alma, such as diaries and memoirs, as well as her musical compositions; writings of Werfel, such as poems, plays, novels, novellas and stories, and essays; memorabilia relating to Alma, her parents, Gustav Mahler, and Werfel, such as clippings, programs, and personal documents; photographs (many of which are online); and audio files, such as interviews and songs. Also included are Klarmann's research notes and writings on Werfel, as well as material relating to Klarmann's work as editor of Werfel's writings.


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Cables To Go 7-Foot 350Mhz Cat5e Snagless Patch Cable - GrayItem#: YYS2-4214961 | Model#: 15192
- Price:
- $4.99
- Shipping:
- In Stock, usually ships within 24 hours (Details)
Cables To Go 7-Foot 350Mhz Cat5 Cable Product Details
Cables To Go 7-Foot 350Mhz Cat5e Snagless Patch Cable
Today's advanced fast ethernet and gigabit computer networks require Enhanced Category 5 high-speed cabling to distribute data, voice and video. Cables To Go's Enhanced Cat5 350Mhz Snagless Patch Cables will keep you ahead of the game. These cables will handle bandwidth intensive applications up to 350 Mhz and beyond. Each comes UL verified to meet all Cat 5e TIA/EIA standards, and drastically reduce both impedance and structural return loss (SRL) as compared to standard 100 Mhz wire! Constructed with high-quality cable and a shortened body plug, this design will keep Near-End Crosstalk (NEXT) levels to a minimum. The molded, snag-free boot prevents unwanted cable snags during installation and provides extra strain-relief. Cables To Go 350Mhz Snagless Patch cables are available in a variety of colors to easily color-code your network installation.
- Molded, Snag-Free boot prevents unwanted cable snags
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- Weight: 0.18 lbs
Additional Resources: Product Manuals
Manufactured by: C2G
Warranty provided by: C2G
UPC No: 757120151920
Mfg Part No: 15192
Box Size:
( Length:11, Width:6, Depth:1)
Shipping Weight: 0.1700 pound(s)
Dimensional Weight: 1pounds
What is Dimensional weight?
Click here for full warranty and support information
- C2G logos are registered trademarks of C2G. All others trademarks and copyrights mentioned herein are the property of their respective owners.


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Ferragamo Gancini Leather Shoulder Bag
This shoulder bag features a leather body, side exterior zip pockets, rolled leather handles, and a top flap with metal closure.
Exterior back is discolored. Exterior bottom is discolored. Exterior corners is discolored. Exterior front is discolored and scratched. Exterior handle is discolored. Exterior side is discolored. Buckle is tarnished. Zipper is tarnished.
Length: 34 cm
Width: 45 cm
Depth: 10 cm
Shoulder Drop: 20 cm
Inclusions: Dust Bag Box
Color : Black
Material : Leather, Calf
Country of Origin : Italy
Rating : VERY GOOD - The item has been used and very well taken care of. There are limited signs of wear that will be described in detail and visually declared in the product photo.
Order Processing Time: Please allow 24-48 hours for your order to process, weekend orders will process on the next working business day.
Delivery Time: Our items are located in warehouses across the globe, please allow approximately 5-10 days for delivery.
All items at LAB are guaranteed authentic, with a 100% money back guarantee.
This item will never be marked down. Discount codes or loyalty points may be used if applicable.
This item may be returned for a full refund within 2 weeks of receiving your order.


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Allinea Software has announced the availability of its DDT parallel debugging tool for Intel Xeon Phi coprocessors. The firm has also detailed forthcoming support in the Allinea MAP performance profiler.
NOTE: As detailed by Dr. Dobb's editor Andrew Binstock here, "The term 'coprocessor' should be understood in context. Every one of the Phi's cores can boot Linux and run any x86 software. However, the card itself needs to plug into a system that has an independent CPU, which basically oversees the Phi's operations."
The Intel Xeon Phi coprocessor "produces" over one teraflop per second [of workload computation] and has been designed for highly parallel workloads. Among its uses it is said to be particularly important in the fields of climate simulation, oil exploration, financial analysis, and scientific research.
"HPC users adopting Intel Xeon Phi coprocessors will have a clear eye on the performance ball," said Dr. David Lecomber, CTO of Allinea Software. "To get the most out of the hardware, they have to know where to parallelize and where to offload computation. The Allinea MAP profiler is a scalable tool that drills down to the source to show instantly where real bottlenecks are. The level of integration between Allinea DDT and Allinea MAP — with one consistent development environment — will be a unique and powerful enabler for HPC software developers."
"In releasing the Allinea DDT debugger with support for the Intel Xeon Phi coprocessor today, users adapting their code will be able to fix software problems quickly — essential to any effective software project. Allinea DDT is ready to debug on this platform from the very start — from one node through to Petascale and beyond," he added.
"Allinea Software's support for the Intel Xeon Phi coprocessor and the announcement of a combined development environment for debugging and profiling will be a valued resource for users of supercomputer systems using this exciting architecture," said James Reinders, director of parallel programming evangelism at Intel.
"The first products from the new Intel Xeon Phi coprocessor product family promise to bring a new capability to supercomputer performance and power efficiency without sacrificing programmability. Allinea Software highlights the flexibility of today's Intel Xeon processor-based systems by extending its popular solutions in a manner that is completely familiar to today's users."


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Jump to navigation
The Hagley Digital Archives provides online access to selected items from the Hagley Library's collection of images, documents, and publications related to the history of business, technology, and society.
Nation's Business [August 1915]
Nation's Business: A General Magazine for Businessmen
Washington (D.C.)
Chamber of Commerce of the United States
United States--Commerce--Periodicals.Lobbying--Law and legislation--United States.
serial publications
1 volume : ill., ports. ; 42-59 cm.
Published Collections Department, Hagley Museum and Library
f HF1 .N38
[Description and dates], Hagley ID, Nation's Business (f HF1 .N38), Published Collections Department, Hagley Museum and Library, Wilmington, DE 19807
Access to this item is provided for educational and research purposes only. The user assumes responsibility for obtaining permission from the copyright holder to publish or distribute this image. If you would like more information, please contact email@example.com


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Ebb and Flow
|Getting Sinusoidal
Contract. Relax. This is the basic mechanism of muscular action. Problems develop when there's too much of one or the other. In most cases, too much contraction is the culprit.
Persistent muscular contraction in the lower back or neck, for example, leads to a cascade of troublesome effects. Toxic metabolic end-products - including lactic acid - accumulate. These small molecules irritate local nerve endings and cause ongoing pain. Muscle spasm results which narrows local blood vessels. Too little blood reaching the area deprives tissues of oxygen and other important nutrients. Cellular damage results with further build-up of noxious metabolites.
Chiropractic treatment encourages a return to normal sinusoidal balance by restoring normal spinal alignment. Spasmodic muscles are enabled to relax. Blood vessels can now supply appropriate amounts of oxygen and nutrients. Metabolic waste is removed. Vitality is restored and pain resolves. Spinal muscles and spinal joints return to operating in a natural ebb-and-flow rhythm.