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A significant percentage of U.S. women 70 years or older who were severely cognitively impaired received screening mammography that was unlikely to benefit them, according to a study of 2,131 elderly women conducted by researchers from the University of California, San Francisco.
Latest News
December 29, 2009
A tiny department on the UCSF School of Nursing has yielded big developments, including supplying much of the ammunition informing the most significant public discussions about health and health care over the past half century.
November 18, 2009
The latest recommendations about breast cancer screening are part of a necessary trend toward more personalized, risk-based care, several UCSF experts say.
September 21, 2009
Decision Services, a UCSF program that provides breast cancer patients with information and one-on-one support as they grapple with major treatment decisions, was recently honored by the Mayo Clinic Center for Innovation.


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subset: commoncrawl


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by ABC6 Chief Political Reporter Mark Curtis
Same–sex couples stopped by Providence city hall pre–applying for marriage licenses that will be issued for the first time on Thursday.
"You know we have a son and it would be really great to have a family that means something to him legally, and to protect all of us," said spouse-to-be Elise Jakabhazy.
One of the reasons for pre–registering is to avoid the rush.
"Well we wanted to get our marriage license put into the process, you know, first come–first served basically," said Jakabhazy's partner, Diane Vatcher.
Among the paperwork needed to get married: photo ID cards; proof of residency; and original birth certificates from both spouses, but there is a catch.
ABC6 Reporter Mark Curtis said, "If you have a birth certificate that is in a different language, it will have to be translated into English and notarized, before you can get a marriage license."
The Office of Vital Statistics is trying to make sure everyone knows the rules, so no one is shut out on Thursday.
"That's right," said Serena Conley, who directs the Providence Office of Vital Statistics. "We have no idea how many people we'll have, so we're hoping that this will make things easier for everyone," Conley added.
But even the folks who pushed for marriage equality don't think there'll be a huge rush to get married the first day, because it's such a big step.
"It's not just about a laundry list of rights and benefits. It's a public affirmation of their love and commitment to the person you want to spend the rest of your life with," said Ray Sullivan for Rhode Islanders United for Marriage.
The first same-sex marriage licenses will be issued at 8:30 Thursday morning.
10 Orms Street Providence, R.I. 02904
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To make reservations by phone, dial freephone 0800 221 222 in the UK, 1 800 409 929 in Ireland, or view our regional telephone reservation numbers.
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GREEN BAY, WI (WTAQ) - One Green Bay alderman is talking about ideas Wal-Mart shared with him regarding plans for a store in the city's Broadway District.
Alderman David Boyce's district is in downtown Green Bay, including an empty lot on South Broadway, where Wal-Mart is considering building a store.
"It wouldn't have the same aura, or the same appearance," said Boyce.
Boyce says he has talked with Walmart officials multiple times, including a two-hour meeting this week.
"They showed me a depiction on a laptop," said Boyce. "There is no hard copy and there is no saying yes I know exactly what they proposed."
Boyce indicates one part of the plan includes a retention pond at the back of the store with a large parking lot in front. He says based on the presentation from Wal-Mart officials, the thinking is the store would be about two-thirds the size of the west side store.
Boyce also says the store will include a brick theme.
"It wouldn't be a one-level brick, it would be something that would go a little vertical, but they might have a hundred different designs and might pick one out of the hundred to present," said Boyce.
Boyce says Wal-Mart officials also made it clear that no buildings should block its view from the east.
"You know when you look across the river from downtown, you'd see the full effect of Walmart and the signage," said Boyce.
Walmart has also been talking with On Broadway Incorporated officials. That group owns the property and promotes the district's businesses.
Boyce says he'd like to hear from the public before making a decision. On Broadway officials say Wal-Mart intends to do that.
After talking with multiple downtown officials, all agree it's premature to say Wal-Mart has a definitive plan at this point.


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Bay Area bands breathe new life into a salty, windswept West Coast tradition
LEFT OF THE DIAL The words "folk music" conjured only cheesy things for me when I was a young teenager. I liked the standard Bob Dylan songs, Arlo Guthrie's "Alice's Restaurant" at Thanksgiving. But to really give in to wind-blown, ocean- and redwood-shaped singer-songwriter stuff just felt like an impossibility to me: That was the music of my parents' youth, after all. Joni Mitchell was (is) a great songwriter who made quintessential songs about the West Coast, but I just couldn't quite get over that mental block of an association. Bring on the three-chord punk or bass-thumping hip-hop; anything but the f-word.
About a decade later, of course, I decided that my parents actually had very good taste (a timeless cycle in and of itself) and that I was being an idiot; folk is of course a very simple word for a very wide, complex umbrella of music. But I was thinking on all this recently when I realized that some of the most interesting music coming out of Northern California right now is music that's for and about California itself — full of words penned by singer-songwriters who've been shaped by the coastline, by hikes up Mt. Tam, by the exhilaration of paddling out into the freezing, cleansing Pacific in a salty wetsuit at Ocean Beach. Call it folk, call it surf-pop: Some 46 years after Joni first sang "Song to a Seagull," at least 20 years after a lot of us rolled our eyes at the stuff our parents wanted to listen to in the car on a family vacation, the nature kids are taking over — and it's anything but boring.
"The plan is to go down the coast, strap our surfboards to the roof, and do a show one day, surf the next day, the whole way down," says singer-guitarist Alexi Glickman enthusiastically, of his upcoming tour with Sandy's. "We only want to go places with waves."
Glickman has been writing and performing reverb- and sun-drenched love songs for the California coast — both literally lyrics about it and music that just begs to be played while driving down it — for more than a decade now. At the helm of the Botticellis, SF's reigning surf-pop darlings from 2004 through 2008, he was responsible for the tightly-crafted, intricately composed nature of the band's dream-moody pop songs.
That band is no longer, but if the Botticellis had to meet their end to get Glickman to sound like he does now, fronting Sandy's, fans shouldn't mourn too hard. Possessed of an immersive, wide open space of sound, the band's debut album, Fourth Dementia, out June 3 on Um Yeah Arts, is just as thoughtfully arranged, but there's room to breathe around it, maybe a druggier-end-of-the-Beatles-spectrum vibe, a sweet melancholy and nostalgia around shaping the edges of the surf-happy guitar.
"When the band broke up in 2009, I had some songs I'd been working on that just got shelved," says Glickman, while on a break from his day job — he teaches music lessons at the Proof Lab Surf Shop up in Marin, and he's happy to report that he just taught two nine-year-olds how to play "Smells Like Teen Spirit" on guitar. Following the Botticellis' demise, faced with the prospect of rebuilding a musical career from scratch, Glickman went out on the road with fellow surfer-musician Kyle Field, aka Little Wings.
Related articles
Bart Davenport on musical thrifting, the influence of palm trees, and how he just can't quit the Bay Area
With a new record and a whole new generation of fans, Oakland's Souls of Mischief take it back to the old school
LEFT OF THE DIAL: Noise Pop's 2nd annual shindig-in-the-streets features Myron & E, dumplings, everything else good
Also from this author
Bart Davenport on musical thrifting, the influence of palm trees, and how he just can't quit the Bay Area


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Categories > Celebrities > My Chemical Romance > I've Lost My Fear Of Falling
Been Holding On Forever1 Reviews
Embarrassment, Sanity and Crazy Fan Girls.
I couldn't stop thinking about what happened earlier with Gerard! Oh my god, that was sooo embarrassing!! I mean, Meg was still blushing from it and it happened about 10 minutes ago. Plus, it wasn't even her phone! I mentally slapped myself. We were both walking in silence and I wondered what Meg was thinking. I looked at her and she had her arms around herself, her eyes glued to the floor. But, if Gerard was there then the rest of My Chemical Romance couldn't be too far off....
"Whoooaaa...That was awkward." Meg finally said. I laughed at her.
"That's the most you've said in a while, normally you never stop talking." I joked with her.
She grinned at me and nudged me with her elbow before turning all serious again.
"Thanks for helping me out earlier." She said, looking up at me.
I smiled and slung my arm over her shoulders.
"Don't worry about it; it's what I'm here for."
Meg placed her head on my shoulder and we got home. My mum was in the car waiting for us.
"How long does it take to walk to here from the park?" She joked.
Me and Meg looked at each other.
"Longer than 10 minutes?" Meg said. My mum just laughed.
I looked over to Meg and rolled my eyes. She shrugged and gave me a 'What-was-i-supposed-to-say?!' look. I rolled my eyes again and noticed mum looking at us both through the mirror in the car. i grinned at her and she looked away blushing, i had never seen my mum blush before so it was pretty funny, i chuckled and Meg looked over to me, cocking her head to the side. I pointed to mum and she laughed and trying putting on a serious face before epically failing and bursting into laughter.
I laughed along with her and it seemed like seconds before we reached the mall, the Gerard incident gone from our minds. Well, until Meg brought it up again.
"If Gerard was here, do you think the rest of My Chem would be here to?" She asked me.
"I dunno, I was thinking the same thing earlier. Maybe, you never know." I replied.
Meg looked very deep in thought for a second before looking like she had a spaz attack; arms failing everywhere and the sudden intake of breath.
"What?" I asked her, putting on my totally bored and annoyed face.
Meg was silent for a bit until she decided that she forgot what she was going to say.
"You forgot what you were going to say? How the hell do you do that?!" I asked her incredulously.
"Well, it did involve going to Sanity but then I thought it looks a bit packed." She told me, pointing in the direction Sanity was.
And my god was it packed, must have been a meet-and-greet but there were so many people neither of us could tell who it was.
We didn't care though; it was probably some local band we weren't into. Anyway, we were here to hang out, not to wait in line for an hour or two just to be able to see who it was. We both linked arms and walked off in the direction of EB games, Meg needed to obsess over when Modern Warfare 3 was coming out...
After an hour or so, we had finished in EB games, so we decided to go clothes shopping, because Meg seriously needed to update her wardrobe. Also, she was staying for a bit longer and needed some clothes because we didn't realise she was staying for longer than a night; even though her mum apparently told her aaggges ago that she was staying for a week. But that's Meg for ya! I sighed as Meg read over the text again.
"I'm so sure she didn't tell me!" Meg told me for the tenth time this second.
"I'm sure she didn't." I told her.
"Don't be so sarcastic with me!" She said. I looked at her and grinned, she knew me to well.
She smirked at me before running off into Hot Topic. I laughed and ran after her. We had both just walked into the store as a screaming fan-girl decided she'd run into Meg. I laughed at her as she tried to get up but the girl wasn't budging.
"Oh My God!! Do you know who is out there?!?!" She screamed at Meg whilst I stood near the counter practically peeing myself.
"No." Meg told her, trying to get as far away as possible from her whilst still being pinned down.
"I'll Give you a hint...They are amazing hot!!"
"Still no clue." Meg replied, looking totally grossed out.
"HOW COULD YOU NOT KNOW!!?" The random yelled at her.
"Well, that is a lot of people," I pointed out.
"No, these guys are HOT!" the girl screamed, emphasising the word 'hot'.
"I'm sorry!!" Meg yelled back.
"YOU SHOULD BE!" The random yelled back at her.
"I am!! Can you please get off me!?!?!" Meg said, looking mortified
"GUESS!!" The random screamed at her.
"I DON'T KNOW!" Meg replied.
"GUESS!!!" Random random replied.
"Just guess Meg!" I laughed
"AHH, um.. SHORT STACK!" Meg replied, sounding slighty hopful.
"HELL NO! YOU REPLUSE ME!" The random yelled getting off from Meg.
"What's wrong with Short Stack?!?" Meg called after her.
"YOU LISTEN TO THEM?!" The girl replied.
"Whoa, if I knew it would be that easy I would have said that at the start." Meg told me.
I would have replied with something witty and funny but I was so close to peeing my pants that I couldn't quite manage anything.
Meg cocked her head like puppy's do when they're confused then scowled at me.
"It wasn't that funny." She told me.
"Yes. It. Was." I managed to choke out before quickly hobbling my way to the bathroom.
new chapter guys! Meg wrote this one, thus it being better than Chapter 2. anyway, enjoy the chapter! R&R is accepted ;)


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"All City agencies, including DPW, are absolutely committed to driver safety," Kocher said, when asked why his agency rolled up more tickets than any other, including the Police Department with its 3,000 sworn officers.
Kocher noted that Public Works has the city government's largest fleet with more than 990 vehicles, translating to less than one ticket per vehicle every two years. "The city's policy holds all employees accountable for paying for the tickets," he said, "and there is a personnel process in place to discipline employees who repeatedly speed."
Nevertheless, experts who study speed cameras say agencies need to emphasize that their employees should not be speeding with any frequency.
"That certainly doesn't sound good," said Roy E. Lucke, the director of Highway and Transportation Safety Programs at the Northwestern University Center for Public Safety, who is generally supportive of the cameras. "I hope they're serious about tracking back the vehicle to who is driving it and making them personally responsible."
City Councilwoman Mary Pat Clarke, who said she too has received speed camera tickets, said she'd like to see increased training and education in city agencies.
"We shouldn't be among the largest offenders of trying to keep our children and elderly safe," she said.
Clarke introduced legislation Monday requiring school bus companies to report citations to the city. Last month, The Sun published findings that hundreds of privately owned buses have received speed camera tickets in the city.
"I'm concerned some of our bus drivers aren't safe drivers and they're driving our children," she said.
The Sun's investigation found numerous problems with the city's speed camera system, including that officials continued to operate a camera on Cold Spring Lane months after learning it had issued an incorrect speed reading. The Sun also showed that city judges routinely toss out tickets for deficiencies and that the city has long ignored the state's narrow definition of a "school zone," in which most cameras are supposed to be placed. Baltimore also has implemented what a top Maryland judge called a "bounty system," which rewards speed camera vendors with a cut of each fine the system issues.
After The Sun published the results of its investigation, City Councilman Brandon Scott called for a hearing about the cameras' accuracy and Mayor Stephanie Rawlings-Blake said she would not tolerate a single erroneous ticket under her administration.
Rawlings-Blake has also convened a task force to study the city's automated traffic enforcement devices.


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FDIC member institutions' earnings improved this quarter to a modest $2.8 billion, which is significant over last quarter's net loss of $4.3 billion and third quarter of 2008 of $879 million. Loan loss provision continued to affect the profitability of the industry as banks continued to cover their bad assets. Growth in securities and operating income helped the industry realize the profit, with 43 percent of the institutions reporting higher profits this quarter over the same quarter last year. Just over one in four banks reported losses this quarter of 26.4 percent, which is slightly up from 24.6 percent a year ago.
Net Interest Margin, ALLL
Net interest was higher this quarter, rising to a four-year high of 4.6 billion. The average net interest margin (NIM) was 3.51 percent, slightly higher than last quarter. Most banks, 62.1 percent, reported higher NIM than last quarter; however only 42.2 percent had an NIM increase year over year. Provisions for loan and lease losses increased and total set aside, remained over $60 billion for the fourth straight quarter, rising to $62.5 billion. While the quarterly amount banks set aside was only 11.3 billion, $4.2 billion less than the second quarter, it was 22.2 percent higher than last year. Almost two out of three institutions, 62.6 percent, increased their loan loss provisions.
Net Charge Offs Remain High
Loan losses continued to mount, as banks suffered year over year increases for 11 straight quarters. Insured institutions charged off a net of $50.2 billion this quarter, a $22.6 billion increase or an 80.5 percent increase compared to third quarter of 2008. This is the highest annual charge off rate since banks began reporting this information in 1984. All major categories of loans saw significant increases in charge offs this quarter, but losses were largest amongst commercial and industrial (C&I) borrowers. While noncurrent loans continued to increase, the rate of increase slowed; noncurrent loans and leases increased $34.7 billion or 10.5 percent to $366.6 billion, which is 4.94 percent of all loans and leases. This is the highest level of noncurrent loans and leases in 26 years. The increase of noncurrent loans was the smallest in the past four quarters.
Eroding reserves
The reserve ratio increased as noncurrent loans increased, however the spread continued to widen. While the industry set aside 9.2 billion, 4.4 percent in reserves, which increased the reserve level from 2.77 percent to 2.97 percent. This increase was not enough to slow the slide - it was the smallest quarterly increase in the past four quarters and the growth in reserves lagged the growth of noncurrent loans, which caused the 14th consecutive quarterly decline in this ratio from 63.6 percent to 60.1 percent.
Loan Balances Decline Deposits Are Up
Loan and lease balances saw the largest quarterly decline since the industry started keeping track of these numbers in 1984; they fell by $210.4 billion or 2.8 percent. Total assets fell for the third straight quarter; assets at insured institutions fell by $54.3 billion, which follows a decline of $237.9 billion in the second quarter and a $303.2 billion decline in the first quarter. Deposits increased $79.8 billion or 0.4 percent during the third quarter, allowing banks to fund more loans with deposits rather than other liabilities. At the end of the quarter deposits funded bank assets was 68.7 percent, the highest level since second quarter 1997.
Troubled Banks Increase
The number of reporting insured institutions at the end of the quarter was down to 8,099 from 8,195; there were fifty bank failures and forty-seven bank mergers. This is the largest number of banks to fail since fourth quarter of 1992, when 55 banks failed. The number of banks on the FDIC's problem list increased from 416 to 552 at the end of the second quarter.
During the quarter, the number of new banks chartered was three. This is the lowest level since World War II. This begs the question on what is the best way to get new capital into the banking industry. Should we recapitalize the existing banks including those in trouble? Or, should we start fresh with a new bank that can build a new, clean loan portfolio?
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In the beginning of 2009, the media was pushing the idea that this would be the year for the community bank. Many smaller banks had not weighted down their balance sheets with subprime loans, asset-backed securities and complex derivatives. In theory, they had the stability to pick up loan customers that had been turned away by larger institutions. Columbus Business First published an article entitled, "Larger competitors' retrenchment may give smaller banks opening." And Business Week said, "As big banks struggle, community banks are stepping in to offer loans and lines of credit to small business customers."
Getting in to the banking industry during a power shift from big banks to small ones would appear to be an attractive opportunity for bank executives and community leaders who wish to be bank investors. But the predictions of a few publications don't sufficiently address the risk involved in buying a bank. Bank investors need to have some framework for separating the good targets from the bad ones.
Characteristics of at-risk community banks
In a speech made last July, San Francisco Fed President Janet Yellen summarized the characteristics of at-risk community banks. She cited:
Looking ahead, Yellen also identified "income-producing office, warehouse, and retail commercial property" as an area of potential risk. She cited rising vacancies and poor rent dynamics, which are putting negative pressures on property values. These value declines can be particularly problematic for maturing loans that need to be refinanced. Community banks that maintain large portfolios of commercial property loans should be proactively managing these risks. Bank acquisition groups should verify that target banks are updating property appraisals, recognizing impairments early, and negotiating work-outs with borrowers when appropriate.
Tim Coffey, Research Analyst for FIG Partners, LLC, agrees that commercial real estate is the next area of risk for banks. In an interview, Coffey said,
I think the residential portion of this correction has been dealt with and recognized by bankers and market participants alike. The next shoe to drop is going to be commercial real estate. I don't think there is really any kind of argument about that. How messy it's going to be compared to the residential part remains to be seen.
Coffey's comment was included in a report by The Wall Street Transcript that also quoted commentary from other banking analysts. The consensus among them was that some community banks are still facing potentially disastrous problems ahead.
Separating the good acquisition targets from the bad ones, then, requires careful analysis of the balance sheet, loan portfolio and the bank's current risk management practices. If the bank isn't managing risk proactively, there could be unknown problems brewing within the loan portfolio. Buying a bank with known problem assets is a manageable challenge-but buying a bank with unknown problem assets is something else entirely.
SNL recently published an article discussing the FDIC's new policy change on de novo banks. In "Extending Bank's Adolescence," author Christina M. Mitchell writes, the "change effectively extends adolescence for young banks, lengthening the period of increased regulatory supervision required for de novo institutions in a move that industry observers say will heighten the already considerable barriers to opening new banks." Over the past few years, the regulators have nearly shut down the flow of de novo bank openings with a drastic increase in regulatory scrutiny. As the regulatory approval timeline continues to increase, the capital requirements and start-up expenses of opening a bank have climbed significantly. These challenges are keeping many potential investors on the sidelines, and too few of them are looking for other opportunities to enter the banking industry, such as Buying a Bank.
The FDIC has announced its intention to extend the de novo period for certain new banking institutions. The previous de novo period was three years; the new one will be seven years. This change is significant because newly insured institutions are subject to more scrutiny and higher minimum capital ratios during that de novo period. Along with extending the de novo period, the FDIC will also subject de novos to more risk management examinations and require prior approval for any de novo business plan changes.
Heightened risk for seven years
Regulators say the supervisory updates are needed because de novos pose a heightened risk to the banking system. According to the FDIC, too many of the actual failures that occurred in 2008 and 2009 were banks that had been open for fewer than seven years. On top of that, a good number of those failures were banks that had been operating between four and seven years-banks that, under current policy, were not subject to the heightened de novo regulations.
According to data compiled by FinCriAdvisor (http://www.fincriadvisor.com/2009-09-07/FDICdenovopolicy), twenty-three, or 19.6 percent, of the 109 bank failures occurring between January 1, 2008 and August 21, 2009 were de novos. Of those twenty-three, six were within the three-year de novo period; the rest, 74 percent, failed between their fourth and seventh years of operation.
The extended de novo period will apply to existing newly insured institutions as well as banks for which charters have not yet been issued. Since the number of new charters awarded by the FDIC in recent months is relatively minimal, the changes affect existing banks far more than would-be banks. The only de novos that won't be subject to the extension and heightened scrutiny are those that are subsidiaries of eligible holding companies.
Eligible holding companies must have consolidated assets of $150 million or more. Bank holding companies are required to have BOPEC ratings of at least 2; thrift holding companies must have an A rating.
Capital requirement. A primary change implied by the extension of the de novo period is an increased capital requirement. De novos are currently required to maintain a Tier 1 leverage ratio of at least 8 percent during the de novo period. A longer de novo period means that young institutions will have to maintain this higher ratio for seven years instead of three.
Examination frequency. Along with extending the de novo period, the FDIC will also increase the frequency of risk management exams for de novo banks. Periodic risk management exams, which begin after the institution's first birthday, will occur once annually rather than once every eighteen months. De novos will have to budget for the extra costs associated with the additional examinations.
The first year examination requirements for de novos will be as follows:
Thereafter, under the new policy, a risk management exam will be conducted every twelve months until the expiration of the de novo period. Compliance exams and CRA evaluations "will alternate on an annual basis."
Business plan changes. The new policy also requires de novos to get FDIC approval prior to implementing any material changes to the institution's business plan during the seven-year de novo period. Previously, newly insured institutions had to provide the FDIC with a written notice of proposed business plan changes within the three-year de novo period.
The FDIC argues that experience shows the necessity of this requirement; when newly insured institutions deviate from their original business plans, those deviations can often lead them into areas of business where they do not have adequate risk management expertise or resources. "Significant deviations from approved business plans" was one of several common elements the FDIC identified among troubled institutions that have not yet completed their seventh year of operation.
Change requests will be reviewed to ensure that:
While this requirement keeps de novos from jumping into risky lines of business without adequate forethought, it also limits the de novo's ability to adapt quickly to changing circumstances. Should the bank implement changes or deviate from the original business plan without FDIC approval, fines or other penalties could result.
Financial statement updates. In the third year of operation, de novos must now provide the FDIC with current financial statements along with strategic plans and projected financial statements covering years four through seven. This applies to existing institutions that are less than three years old, as well as newly chartered institutions. The FDIC will want to know specifically about the de novo's expansion plans, product/service strategies and the outlook for capital expenditures and dividend payments.
To read the full Financial Institution Letter explaining and defending the altered supervisory procedures, click here: http://www.fdic.gov/news/news/financial/2009/fil09050.html
In the first quarter of 2009, the banking industry rebounded from a net loss in the prior quarter-an improvement that masked mixed performance. The first quarter cumulative net profit of $7.6 billion, the highpoint of the previous four quarters, was more than 60 percent below 2008's first quarter performance. Further, this year's profitability was largely fueled by strong trading revenues and realized gains on securities at large banks. Nearly one-quarter (21.6 percent) of banks reported a net loss, and a majority of banks reported quarter-over-quarter net income declines.
A $7.6 billion increase in trading revenues boosted noninterest income, with additional contribution coming from increased servicing fees and gains on loan sales. The industry also benefited from an improved net interest margin (NIM), driven primarily by a lower cost of funds. The average NIM of 3.39 percent was slightly higher on a sequential and quarter-over-quarter basis.
Bad loans still a factor
First quarter charge-offs notched a slight sequential decline, but are still outpacing last year's level by almost 100 percent.
C&I loans accounted for most of the year-over-year increase in charge-offs, but credit cards, real estate construction loans and closed end 1-4 family residential real estate loans were also problematic. Net charge-offs in all major categories were higher than a year ago. The total annualized charge-off rate was 1 basis point below the fourth quarter's record-high level.
Noncurrent loans are still on the rise. The percentage of noncurrent loans and leases to total loans and leases rose 81 basis points during the first quarter to 3.76 percent, with the increase being led by real estate loans. Nearly three-fifths (58 percent) of banks indicated that their noncurrent loan balances increased during the first quarter.
Banks added to their reserves again this quarter, pushing the ratio of reserves to total loans up to the record level of 2.5 percent. This reserve building was outpaced by the rise in noncurrent loans, however, such that the ratio of reserves to noncurrent loans declined to 66.5 percent, a 17-year low.
Balance sheets shift
The industry's equity capital rose substantially, partially driven by reduced dividend payments and TARP infusions. The paring down of loan portfolios and trading accounts led to an industry-wide decline in total assets of $302 billion. As a result, the ratio of total deposits to industry assets rose to 66.1 percent, despite a slight decline in total deposits.
Failure rate high, DIF decreasing
At quarter-end, there were 8,246 FDIC-insured commercial banks and savings institutions, down from 8,305 at year-end. Twenty-one banks failed in the first quarter. The problem list grew in number from 252 to 305, while the assets managed by problem banks increased 38 percent to $220 billion.
Loss provisions (for actual and anticipated failures) drove a 24.7 percent in the DIF during the quarter, bringing the balance to about $13 billion. The 21 failures during the first quarter are estimated to have cost the DIF $2.2 billion. At quarter-end, the reserve ratio was 0.27 percent, its lowest level in 16 years.
New charters approved during the first quarter of 2009 numbered 13, the lowest level since the first quarter of 1994. There were 50 bank mergers during the quarter.
As the shake-down in the financial services industry continues, traditional banks may find themselves losing customers to healthcare providers.
Health insurer WellPoint Inc. recently received conditional approval from the FDIC to open ARCUS Bank, which will be a Utah-chartered industrial loan company (ILC). The approval was obtained despite an FDIC moratorium on deposit insurance applications for ILCs that would be operated by firms which participate in non-banking business activities. The underwriting and selling of health plans by WellPoint wasn't the problem; it was the company's retail activities, primarily pharmacy services and disease management operations.
WellPoint appealed to the Federal Reserve Bank to get around the moratorium, arguing that the company is, first and foremost, a financial services provider. The Fed agreed, with the stipulation that WellPoint has to keep its pharmacy and disease management revenues in check-specifically, less than 15 percent of total sales.
WellPoint isn't the only health insurer that's moving into the banking industry. OptumHealthBank, which is part of the UnitedHealth Group (NYSE: UNH), has been providing "health care banking" services since 2005. And last year, a group of Blue Cross and Blue Shield Association member plans chartered Blue Healthcare Bank. Blue Healthcare Bank's mission is to "help participating Blue companies offer their members state-of-the-art healthcare savings and payment options...facilitating members' choice of high-quality, self-directed accounts..."
Vertical integration
It is the growing popularity of high-deductible health plans (HDHP) that's driving these health insurers into the banking business. HDHPs generally charge lower premiums in exchange for coverage that doesn't kick in until a very high deductible is met. Having an HDHP gives the insured the right to maintain a tax-advantaged savings account to hold funds that are earmarked for healthcare expenses. So-called health savings accounts (HSAs) share characteristics with IRAs: contributions can be invested in securities and the earnings are tax-free until the money is withdrawn.
The company providing the HSA has the opportunity to collect account fees, management fees, investing fees, etc. OptumHealthBank, Blue Healthcare Bank and Arcus Bank believe that offering HSAs and related financial services is just a natural extension of their current health insurance offerings; they're simply providing another tool to help their customers manage ever-rising healthcare expenses.
The evolution of banking
For the traditional banking industry, this development presents yet another argument for banks to reassess their innovation efforts. Customers need to have a compelling reason to choose one service provider over another. For some, a negative perception of the traditional banking industry may be enough. Traditional banks stand to lose out on HSA-related revenues and, possibly, revenues related to other financial services as well. Now, and for the foreseeable future, the pressure is on banks to develop strategies that will drive innovation, develop new and improved products and services, and enhance efforts to build deep, lasting customer relationships.
By Wendell Brock, MBA, ChFC
Today the FDIC issued the Fourth Quarter 2007 banking profile, which contained very mixed results on a slippery slope. The industry as a whole is struggling through the latest national economic tidal wave of debt problems from the sub-prime termoil to an over leveraged derivative market. So the banks are squeezed between tougher regulation enforcement, higher deposit rates, lower net interest margins, larger loan loss reserves, higher charge off and noncurrent accounts, growth in deposits, etc. The following are some key highlights.
Widespread earnings weakness occurred in more than half the institutions - "51.2% reported lower net income than in the 4th quarter of 2006. One out of four institutions with assets greater than $10 billion reported a net loss for the fourth quarter." During the 4th quarter interest rates fell, which increased downward pressure on Net Interest Margins (NIM), making it the lowest quarterly NIM since 1989.
Total earnings for banks were off by 27.4% for all of 2007, which was a decline of $39.8 billion to $105.5 billion. This is the first time since 1999-2000 that annual net income declined. Only 49.2% of insured institutions reported improved earnings in 2007 - the lowest level in 23 years. Unprofitable institutions reached a 26 year high of 11.6% at the same time the ROA was the lowest in 26 years at 0.86%. This is the first time since the mid 1970's that noninterest income has declined - it fell by 2.9% to $233.4 billion.
2007 fourth quarter net charge offs spiked nearly 100% to $16.2 billion over the same quarter in 2006 which had $8.5 billion. This increase has regulators very worried. In mid 2006 the amount of noncurrent loans (loans which are 90 days past due) began an upward movement, this loan pool continued to swell by $26.9 billion, a increase of 32.5% during the 4th quarter of 2007. "The percentage of loans that were noncurrent at year-end was 1.39%, the highest level since the third quarter of 2002." This has prompted banks to put more away in their Allowance for Loan and Lease Losses (ALLL). The ALLL reserve ratio rose from 1.13% to 1.29% during the quarter; however it was not enough to cover the increase in noncurrent loans. "At year end, one in three institutions had noncurrent loans that exceeded reserves, compared to fewer than one in four institutions a year earlier."
Equity capital increased by $25.1 billion or 1.9%; at the same time the leverage ratio fell to 7.98% down from 8.14%. "In contrast, the industry's total risk-based capital ratio, which includes loss reserves, increased from 12.74% to 12.79%." In the end 99% of all insured institutions, which represents more than 99% of industry assets, met or exceeded the highest regulatory capital requirements. During this same time, banks were lending money - asset growth continued strong - assets increased by $331.8 billion or 2.6% during the quarter. Because of the high increase in noncurrent loans, examiners have been watching closely the concentrations of bank portfolios in commercial real estate. In spite of the construction slow down, the number of banks that have a high concentration of construction lending increased from 2,348 to 2,368. A high concentration of commercial real estate loans in a bank's loan portfolio is defined when that part of the loan portfolio exceeds the bank's total capital.
Deposits grew to record levels during the 4th quarter. Institutions saw an increase of $170.6 billion or 2.5%, the largest quarterly increase ever reported. "The industry's ratio of deposits to total assets, which hit an all time low of 64.4% at the end of the 3rd quarter, rose slightly to 64.5% at year end."
For the year, Trust Assets increased an amazing $2.6 trillion or 13.4% for managed accounts and $68.6 billion or 1.6% for non-managed accounts. "Five institutions accounted for 53% of the industry's net trust income in 2007."
In 2007, there were only three bank failures, this is the most since 2004 - this ended the unprecedented run of no bank failures (there was only one failure in the 4th quarter). The two-year term was the longest in the FDIC's history. During the quarter, there were 50 de novo banks, which brought the total for the year up to 181 new institutions. Mergers in the 4th quarter slowed down to 74 for an annual total of 321 banks merged out of existence. The regulator's problem bank list grew to 76 banks, up from 65 at the close of the 3rd quarter. The total assets of these problem banks are $22.3 billion, up from $18.5 billion at the end of the 3rd quarter. The total FDIC insured institutions ended the year at 8,533 down, slightly from 8,559. For a complete copy of the report see request for a white paper.
By:Wendell Brock, MBA, ChFCPrincipalDe Novo Strategywww.denovostrategy.com
© 2014 De Novo Strategy, Inc.


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FAA Controller Furloughs Begin; Delays, Lawsuits Fly
On Sunday the FAA began air controller furloughs that the agency said are required to comply with budgets cuts mandated under sequestration. The move has resulted in not only cascading air traffic delays but also scorn and lawsuits from aviation industry groups.
In a joint letter sent Friday to the White House, 11 aviation groups–including NBAA, AOPA and the National Air Traffic Controllers Association (Natca)–implored the FAA to avert the air traffic controller furloughs, saying that these employees are "essential personnel" and should thus be exempt from sequester cuts. Without their exemption, "It will be challenging for air traffic to continue to operate at its current rate of high efficiency," they said.
That warning apparently wasn't hype. "After just two days of furloughs, more than 10,000 flights have been delayed and more than 600 canceled," Natca said. Today, the FAA announced it is "implementing traffic management initiatives at airports and facilities around the country" as a result of the furloughs, adding, "Travelers can expect to see a wide range of delays." The FAA estimates that delays due to controller furloughs could affect up to 6,700 flights a day, roughly a third of the daily air traffic in the U.S.
Meanwhile, three groups–Airlines for America, the Air Line Pilots Association and the Regional Airline Association–filed suit in the U.S. Court of Appeals in Washington, D.C., on Friday to halt the controller furlough plan. Hearings for these cases will start this week.
Boo Hoo. I have a suggestion. Concentrate the furloughs in the Washington DC area where they will do the most good. Keep the the Congress and their bloated staff from jet setting to who knows where. Maybe some work will get done.
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The nautical chaps over at Anchor Bay have picked up the rights to "The Demented", a new flick about a group of friends who find themselves under attack by rabid townies while on vacation. I assume there will be nudity.
Two years Guillermo del Toro ago dropped that he would be working on a new big screen version of my beloved Disney ride "The Haunted Mansion". I wake up every morning hoping there is news on the project but alas, there has been none. Until today! D-Tors dropped knowledge that he has in fact handed in a draft of the script and is awaiting feedback. He very much still wants to make the film and may even direct, he was originally slated to produce and write. It's hard to explain just how excited I am about this. I throw up every day I get so excited.
Remember that guy from "The Loved Ones" who got kidnapped and all kinds of messed up? I mean he's the main character so if you don't remember him then something might be wrong with you. Well his name is Xavier Samuel and it looks like he's joined the cast of "Plush" about a singer of a band, or something, that gets caught up with a new guitar player who is a prick, or something. Honestly I don't get the plot and it sounds stupid but hey. "The Loved Ones" was pretty cool so let's get excited.
So here's a movie called "Strip Mahjong: Battle Royale". If you couldn't have guessed it's a Japanese flick and if you don't know what Mahjong is it doesn't really matter. The movie is ridiculous. And it's going to be awesome. Watch it, now.
A woman in China has come up with a clever idea on how to stop speeders in her hometown. Apparently she's taken it upon herself to tie a sex doll to a tree on a busy street in hopes that the doll will distract speeders and make them slow down. I don't see how anything can go wrong with this idea.
If you attack a cop and try to bite him you're pretty much guaranteed to be spending some time in jail. But if you do the crane stance from Karate Kid before you make your rush, well that's pretty awesome.
The angst and elation of maturity are the heartbeats of mainstream cinema's adolescence. Through several decades of teen comedies and horror films there is the consistent playing out of maturation through sexuality, violence (graphic or not), and familial independence. Often genres such as comedy and horror are in themselves perceived as "adolescent" in their form and content. So it is unsurprising—if not appropriate—that such films often find teenagers as their core characters.
Happy Father's Day weekend everyone! It's that time of year where you buy your dad an ugly tie, socks, or just a new flask so he can cope with being a parent a little while longer. The horror genre also has dads all throughout its film lore. Ranging from virus spreading buffoons, to simple child murderers. Real stand up gentlemen these patriarchs. SPOILERS abound, but here are 9 Horrible Horror Dads.
The Father Figure: David Drayton played by Thomas Jane
Someone has daddy issues...
"The Loved Ones" hits Australian theaters on November 4th and today we've got some new TV spots for you to take a look at. By all accounts this movie looks awesome, who doesn't love a cute girl going around 'effing people up? Well the people she's doing it to probably, but that goes without saying. I hate when you question me.
Slash, of being Slash fame, has decided to start up a new horror production company called Slasher Films. If you've got the name you might as well use it I guess.
Here's some new clips from Wes Craven's "My Soul to Take" and the kids are just adorable. It's almost getting to the point that I'm going to feel like a creepy old man when I go to see this. Almost...
Someone is actually going to pay $100,000 for the world's largest book? I have to sleep in a bathtub at Horror Hound Weekend and Schnaars is dropping that kind of loot on a book?
1985 - Palestinian gunmen hijacked the Italian cruise ship Achille Lauro in the Mediterranean with more than 400 people aboard.
This week we discuss alchemy, camera technology, a first time guest host joins the show, and we review "As Above, So Below".


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Chen Hanwei plays 'Agony Aunt' to celeb pals
Text: Joanna Goh
Photos: Dang Hui Ling & Channel 8
Video: Ling Pak Wei & Fiona Lin
Picture this: In one corner of the studio, Rui En preens and poses for the cameras as the crew make mental notes of her characters' 101 outfit coordination to prevent slip-ups at filming. At the other end of the tiny room, Zoe Tay perches herself on the sofa, taking tiny sips from a flask of hot water to battle the strong blast of cold wind from the air-conditioning unit above. In the midst of the fuss and mess, a bespectacled and preppy-looking Chen Hanwei steps in the studio in a hot fiery red suit...
The photography studio teems with excitement and chatter at the imaging session for the newest Ch8 drama production on the hill, The Dream Makers, and the vibe is infectious and understandable. After all, how often does one get to catch or work on a drama headlined by a mix of the station's top veterans and actresses?
Playing a celebrity host with a caustic sense of humour, Hanwei made clear that his Dream Maker role is unlike his previous "aunty or uncle-type of characters" in his interview with xinmsn outside the studio.
"He's [Yufan] a sharp-tongued person, eloquent and witty... As a famed celebrity host, a lot of female actresses are afraid of going on his programme, but once they guest star on it they'll become overnight stars," he said excitedly.
The Dream Maker's cast at the drama's lensing ceremony
The method actor, who once lived with a chipped tooth for months and gained 8kg for his most recent incarnation as a rowdy potbellied hawker in It Takes Two, is known for his immense dedication to acting. Not going to extreme lengths this time round, Hanwei shared that his character will be imbued with Taiwanese personality Cao Qi Tai's hosting flair. "He's straightforward but witty, and carries himself well on stage. I'll try to be like him."
On his umpteenth onscreen pairing with Zoe (their last collaboration was in 2011 for Ch8's Devotion), Hanwei heaved a sigh of resignation and lamented, "I don't want to work with Zoe anymore!"
"It's too boring!" he laughed in mock exasperation.
The duo, who are best friends in real life, will play a pair of soulmates in Dream Makers - a relationship "very similiar to the kind we have off the cameras," Hanwei quipped and added, "In the show, I'll be the kind of friend who showers her with plenty of tender loving care. I'll be the one who covers a blanket for her when she sleeps and feelings will develop between our characters along the way."
When probed, the 43-year-old maintained that he is "completely different" from Yufan, sharing only "20 per cent of similarity". He mentioned that they both enjoy analysing people's characters and playing advisor to friends, especially when they encounter problems.
He let on, "Zoe, Ling Ling and Ann, they'd all buzz me when they have problems and I'll analyse it for them. I told them that they don't have to feel sad over anything when problems happen, you just have to solve it."
Working his savvy celeb 'Agony Aunt' side as if in character already, Hanwei dished, "I tell them: 'Face it, don't Facebook it' because there's no point taking it out on Facebook. You should just find the problem and resolve it." Spoken like a pro indeed.
The Dream Makers debuts June 24, on Ch8 at 9pm.
WATCH: Chen Hanwei's video interview here!
Related articles:
Rui En to spar acting skills with Jeanette Aw
PHOTOS: A reel-life take on local showbiz: The Dream Makers
entertainment videos
Chris Tong is back to Singapore for the upcoming drama "Good Luck"! Check out this video to know how much can a movie star earn! 为了新剧《百岁大吉》,童冰玉回到狮城了!想知... More Chris Tong is back to Singapore for the upcoming drama "Good Luck"! Check out this video to know how much can a movie star earn! 为了新剧《百岁大吉》,童冰玉回到狮城了!想知道电影明星的片酬大约有多少?千万别错过这独家专访!
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MERRILL, Wis. (WSAU) - There's another confirmed case of West Nile virus in north central Wisconsin.
The Lincoln County Health Department says a dead crow has tested positive for West Nile virus. This is the first bird that tested positive for West Nile virus in Lincoln County since surveillance for the mosquito-transmitted virus began May 1. Just last Friday, Oneida County had a similar report.
West Nile virus is spread to humans through the bite of an infected mosquito. Mosquitoes acquire the virus by feeding on infected birds.
Health officials recommend using repellant on clothing and exposed skin, check your window screens for holes, and make sure you don't have items in your yard that hold water mosquitoes can breed in.
Boats, canoes, and wheelbarrows should be turned over so they can't hold water, and put chlorine in your swimming pool.
You should also trim tall grass and weeds because mosquitoes rest in these areas during the hot daytime hours.


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That's a full $100 off the regular price of Republic's custom Moto X. And service plans still start at just $5.
With its 360-degree hinge, this flexible PC goes from laptop to tablet and back again. Plus: an option to knock off another $20.
Is it possible to be a cheapskate and still buy a MacBook? This model makes a compelling argument.
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This is about as cheap as laptops get. But is it too limited to be of practical value? Not if you know what you're getting.
Two remotes and a special-edition red Roku -- what's not to like? Plus, a sweet deal on the Ouya. Oh yeah!
If you're looking to trick out your Windows 8 PC, a monitor like this can really help.
That's literally half the price of a new one. Could this "experimental" laptop be right for you?


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DETROIT (WJBK) -- There was a bombshell Monday in the federal corruption trial of Kwame Kilpatrick. Co-defendant Victor Mercado pled guilty.Mercado was facing up to 20 years in prison, but instead of taking his chances with a jury, he pleaded guilty to conspiracy to commit extortion in return for a sentence of 18 months or less in prison."This is the right decision at the right time and a good plea offer," said Mercado attorney Martin Crandall.The former Detroit Water Department director walked into court Monday an innocent man. An hour later, he walked out a different man, a guilty man, a relieved man."I'm sure he's greatly relieved," said attorney John Minock.For more than a month, his attorneys argued passionately and persuasively that Mercado was not part of the "circle of trust". That's the term they coined to describe the relationship between Kwame Kilpatrick, his father, Bernard, and contractor Bobby Ferguson.Kilpatrick attorney Jim Thomas said Mercado's sudden guilty plea came as a surprise, but should not hurt the former mayor's chances."This is one of several cases that I've had -- the terrorist case, the Fourth Precinct corruption case and, most recently, the Hutaree case -- where co-defendants have agreed to plea guilty and then everybody gets acquitted."Fox 2 legal analyst Charlie Langton isn't so sure."This is huge. You've got a high level ranking member of the water department now pleading guilty to conspiracy and conspiracy with Kwame Kilpatrick. Oh my gosh, this is a major, major breakthrough for the government and a big win for the government."Minock told me after the plea that the possibility of a heavy sentence weighed on Mercado. He felt leaving his fate up to a jury on a circumstantial case was just too much of a gamble, a gamble that could've resulted in a prison sentence so long it would effectively be a death sentence.
WHBQ-TV | Fox 13 485 S. Highland St.Memphis, TN 38111Main Station: (901) 320-1313Newsroom: (901) 320-1340


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Last week I wrote an article about people leaving Brewers games early and how there isn't really a good excuse for it. Apparently some of you took this as a challenge to prove me wrong and sent me almost 10,000 emails on the subject. Which is weird because we only have like 15 readers. Anyways, some of you made good points and some of you made bad points. I will attempt to respond to your emails here in hopes that the emailing will stop.
My wifes water broke at a game and I had to rush her to the hospital in the 5th inning. The Brewers went on to score 6 runs and came from behind to win.- Jack K, New Berlin
Aww, congratulations. That's sweet. Do you really think that's a good reason to leave though? Do you really think that your wife's water is the first thing to spill at Miller Park? If anything your wife's water probably smelled better than the three day old beer left standing in the bleachers. Besides I am pretty sure that she didn't just have the baby the second you got to the hospital. I'd be willing to bet that she didn't even have the kid til much after the game ended. Here's what you do next time this happens (and there will be a next time): take her up the stairs and go to the bathroom, see how far she's dilated and go from there. If she's under 10cm, play ball. If she's over, call her mother. She'll pick her up.
dude what if their is like this awsome party with lotsa hot females after the game that i want 2 get 2 and the game is pretty much over ne ways. Tony W, Milwaukee
If your thought process goes something like this you probably shouldn't even bother going to the game or working a job that requires you to go to the game. Just saying.
Dude, I had diarrhea at a game once. I don't know if it was the brats or what, but it happened and I had to go. Surely, this is a good enough reason. (name withheld)
Depends. Did you actually crap yourself? If you did it might be a good idea to go (unless you happen to have an extra Happy Youngster shirt laying around), but if you didn't? Do what you have to do in the bathroom and then instead of returning to your seat just head on up to Bernie's Terrace. That way if you do end up crapping your pants at least you won't be the only one in your section to do so.
We were pre-gaming pretty hard before the game and my buddy bet me $50 bucks that I couldn't smash a bottle over my head. Well, fifty bucks is fifty bucks so I did it, but I ended up getting this huge cut on my hand that I had to go to the hospital to get stitched up so I missed the entire game. Johnny W, Delavan
Dad, is that you? If so, why are you such a pussy? "Wah, wah I have a little cut on my hand I need to go home to mommy so she can kiss it." The pussification of our country never ceases to amaze me. Were you wearing socks to match your purse? Take one off and wrap it around your little baby cut. Not only is it effective, it also is a lot cheaper than going to the hospital. Not wearing socks? Use your new found $50 bucks to go buy some. Do I have to hold your hand through everything?
My boyfriend was like totally wasted and being an a-hole so me and my girlfriends ditched him. They wanted to leave early so that we could get a "good spot" down by the players parking lot. My friend Tammy has this huge crush on JJ Hardy and if he just met her he'd see that she was a really nice person. Karen, Kenosha
First of all, I am pretty sure that when the players want to get laid they don't cruise the parking lot after a game for drunk girls in Brewers jerseys hanging by their cars. That's just a hunch, but I'm normally right about these things. Second of all, and all ladies need to listen to this, you need to think of a new way to describe your ugly friend. We're on to you. "Really nice person", "great personality" and "funny" are telltale signs that you are setting us up with your ugly friend. I don't have much in common with JJ Hardy, but we do have this in common: we don't want the funny, nice girl with a great personality. We want the hot, easy one with a low self esteem. I am sorry, this is just the way things work. As for your original question, try and use some common sense. The players can't leave til the game is over, therefore leaving early for this reason is terrible. NEXT!
I'm a Cubs fan and I have to get up early in the morning. Kevin, Chicago
You are free to go whenever you like.


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Lakers are back at STAPLES Thursday night for their final game before the @NBAAllStar break, hosting the Clippers at 7:30pm PT. #GoLakers
RT @LakersTV: VIDEO: Mike D'Antoni talks about what the #Lakers need to do on the road to win -
Huge game for @SteveNash: Season-high 20 points, including 4 three-pointers, and 4 assists. #GoLakers
HALFTIME: Lakers 54, Mavs 54. 11p off the bench for Jamison. @kobebryant 16p & a game-high 6asts. STATS: #GoLakers
A look at the Dr. Buss "JB" patch on the Lakers road purple jerseys. #RIPDrBuss
RT @PintoLakers: Nash getting ready to put behind a bad shooting game vs Portland. Nash preparándose para olvidar a Portland.
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My fiancé loved it, however, it was too big and was the only size offered. I'm hoping smaller sizes will come available.
Women's Hunter Safety Systems® Lady Pro Harness, Mossy Oak Infinity® Camo
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Venue Review: Geer Street Garden
The gas pumps that once stood in front of the old Gulf station at the corner of Geer and Foster streets were long gone, and the building had stood abandoned for more than a decade when Andy Magowan came across it. Where most people saw an eyesore, Magowan saw just what he was looking for: a home for his new restaurant.
That he was able to see past the rusting gutters and peeling paint to the cottagelike charm of the 1930s-era building isn't surprising, given Magowan's background. The self-taught chef made his bones at Federal and went on to open Piedmont, where he broadened his repertoire with a contemporary Mediterranean-inflected offering. Both restaurants are housed in old commercial buildings rescued from dereliction, and working in them clearly influenced Magowan's choice of a location for Geer Street Garden.
Emphasis on local
His fondness for historic structures is evident in the care with which he refurbished the old gas station, blending reverence for the old (restoring the rooftop railing, which had been absent for half a century) with a nod to the present (highlighting the garage bay doors with a nut brown stain). Inside and out, the walls have been sandblasted to reveal layers of paint and the original brick underneath.
Like those walls, Magowan's menu peels back layer after layer of his culinary history. The seasonally changing offering retains the emphasis on local produce he established at Piedmont, while returning to his culinary roots in unpretentious American-pub-meets-bistro fare reminiscent of Federal.
On the plate, that translates to food whose respect for culinary tradition is a refreshing change of pace. Magowan's deviled eggs would be at home at a family reunion, their creamy, mustard-tinged yolk filling lightly dusted with paprika. Not smoked paprika, mind you, or any other trendy garnish.
Nor will you find any truffle oil on the classic cut skin-on fries, though they do come with your choice of two sauces. Choose from seven options, ranging from gravy to "Srirachanaise," a jazzy blend of hot sauce and mayo.
Throw on toppings
OK, so maybe the chef does throw in an occasional trendy flourish. It's usually optional, though, like the diced avocado you can add to an otherwise authentic Spanish tomato gazpacho.
Or the "what-have-you" that's listed as one of the three topping options for the local pasture-raised burger (the other two are bacon and cheese). The invitation to tailor your burger to your liking is commendable, and nowadays probably necessary. But for my money, the beef is juicy and flavorful enough that I'm happy to take the burger just as it comes: the old-fashioned way, with lettuce and tomato.
Joining the burger under the "Sandwiches & Entrees" heading is an eclectic assortment ranging from fried fish tacos to grilled pimento cheese to Farmhand Foods bratwurst. The barbecued beef short rib is succulent and fork-tender, served with a refreshingly different sauté of green beans, oil-cured olives and heirloom tomatoes. The fried chicken plate with potato salad and local corn on the cob will win you over, too, once you get over your surprise that that chicken is boneless.
I could resist all those temptations, however, as long as the summer succotash - a medley of baby butter beans, sweet corn and tomatoes, topped with tender young okra pods, fried whole in a translucent batter - remains on the list.
Sweets you expect
Desserts are as traditional - and, for the most part, as rewarding - as the savory fare. Banana pudding and a homemade chocolate brownie, topped with salty peanut and caramel sauce, are both winners. Lemon chess pie is good, too, though it would be better without the refrigerator chill.
Kitchen missteps are infrequent across the board, in fact, and generally minor - slightly overcooked fish in the fish tacos, say, or a salmon cake "special" that turns out to be forgettable.
Behind the restaurant, in an area that once was littered with old tires and batteries, Magowan has installed a large, sheltered patio. With a mix of communal picnic tables and smaller tables along a flower-topped brick wall, the space is a convivial setting that fills up quickly whenever the weather is fair. Turns out the food isn't the only reason that Geer Street Garden is a breath of fresh air.
The gas pumps that once stood in front of the old Gulf station at the corner of Geer and Foster streets were long gone, and the building had stood abandoned for more than a decade when Andy Magowan came across it. Where most people saw an eyesore, Magowan saw just what he was looking for: a home for his new restaurant.(Full review)


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Search all Riverstone Residential Group Apartments For Rent in Denver, Colorado
Denver, CO 80246
Heritage Creek
- Parking
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Perfect location on the Cherry Creek Path in the desirable Glendale neighborhood offering 1, 2 & 3 bedroom apartments. Minutes to I-25, great shopping and dining of Cherry Creek and the Popular Cherry Creek Bike, jogging path right outside your front door!
Denver, CO 80226
Lakeview Towers Apartments
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Ten minutes West of Denver, thirty minutes from the Denver Tech Center, and ninety minutes away from Colorados best ski resorts lies Lakeview Towers.... a lakefront property offering apartments for rent in Lakewood, Co. We are conveniently located minutes from the popular Belmar shopping, dining, and entertainment district, as well as miles of jogging and biking trails, golf courses and multiple parks. Now offering 1 and 2 bedroom apartments for rent near Denver, Co.
Englewood, CO 80110
Fielder's Creek Apartments
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Fielder's Creek lies just South of Denver offering renovated apartments for rent in Englewood, Co. Close to Hwy 285 and Federal, Fielder's Creek offer s a convenient Southwest Denver location, close to golf courses, parks, schools, lakes and Bear Creek Trail. Fielder's Creek is now renting affordable studios, one bedroom and two bedroom apartments in Englewood, Co, Southwest of the Denver Tech Center and Downtown Denver. Call today to reserve your Englewood Apartment For Rent.
Aurora, CO 80012
del Arte Lofts & Flats
- Beautiful Views available^^^
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Choices include the openness of a loft, a galley-style kitchen, a spiral staircase, or the spaciousness of two patios to bring the outdoors in. The generous one-, two- and three- bedroom homes feature fireplaces, washers and dryers, niches, hidden storage and spacious closets. All located at Del Arte Lofts & Flats. Call us today for a tour!
Denver, CO 80231
Woodstream Village
- Overlooking Denver
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Where else will you find large 1 and 2 bedroom apartments for rent in Southeast Denver that are conveniently located near everything Denver has to offer? Enjoy easy access to downtown Denver, Cherry Creek shopping district, The Denver Technological Center and numerous shopping and dining pleasures. Outdoor recreation is also at your doorstep, with the Highline Canal, Cherry Creek Country Club, and various parks nearby. Call today to reserve your Southeast Denver, CO apartment for rent.
Denver, CO 80231
Alta Springs
- Parking
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Re-discover Luxury and Service at Alta Springs. Check out our brand new clubhouse with our new MAC internet cafe, Sirius satellite through out clubhouse and fitness center, resident lounge area, and latte bar. New renovated apartment homes with upgraded dark cherry wood cabinets, faux granite counters, black appliances, wood planking, new finishes, and so much more!
Denver, CO 80235
Rockledge Bear Valley
- State of the Art Fitness Center
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- Sparkling Resort Style Pool
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Ideally located near the foothills, Rocklege Bear Valley is now offering one and two bedroom apartments for rent in Lakewood, Co. Nestled in a park-like setting, we are located just minutes from Bear Creek Park, where you will find one-hundred acres of open space, as well as limitless hiking and biking trails. Traveling is a breeze, with convenient access to the light rail; downtown Denver, Southwest Plaza, and the Belmar Shopping District.
Littleton, CO 80120
5151 Downtown Littleton
- 1, 2, and 3 Bedroom Apartments
- State-of-the-art fitness center with yoga studio
- Heated resort style pool and spa
- Pet Friendly
- Fully-equipped business center
- Cyber Café with complimentary coffee and WiFi acce
- Covered Parking
- Designer kitchen islands with granite countertops
5151 Downtown Littleton is conveniently located near a light rail station and Historic Downtown Littleton, CO. You will love how convenient our location is, with dining, shopping and entertainment near by.
Arvada, CO 80005
Ridge at Mountain View
- Beautiful UPDATED homes available
- Updated units feature hardwood flooring
- Sparkling Pool
- Public Transportation
- HUGE Patio/Balcony
- Wood Burning Fire Places
Ridge at Mountain View offers beautifully updated apartments for rent in Arvada, Co. Located off of 80th ave and Wadsworth Blvd, Ridge at Mountain View is conveniently located near Indian Tree Golf Course, multiple parks, lakes and schools, as well as various shopping centers and restaurants. Minutes away from Historic Old Towne Arvada and highway access to Downtown Denver, Boulder and the Foothills. Call today and reserve your affordable one or two bedroom apartment for rent in Arvada, Co.
Monument, CO 80132
Vistas at Jackson Creek
- Brand New 1, 2 & 3 Bedroom Apartment Homes
- Pet Friendly
- Contemporary Finishes
- Granite Countertops
- Detached Garages
- Spacious Layouts
With convenient access to I-25, Vistas at Jacksons Creek is conveniently located in Monument, Co close to shopping, dining and recreation. Monument is a growing city in southern Colorado, just a few minutes north of Colorado Springs and about 45 minutes south of Denver. Vistas at Jacksons Creek is now offering 1, 2, and 3 bedroom luxury apartment homes for rent in monument, co, close to the Air Force Academy and Colorado Springs.
Colorado Springs, CO 80924
- 24-Hour Club Access to all Amenities
- Gourmet Kitchens
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- Salt Water Resort Style Pool with Whirlpool Spa
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- Cyber Café w/complimentary Starbucks coffee & WiFi
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Spacious luxury 1, 2, and 3 bedroom apartments for rent in Colorado Springs, featuring gourmet kitchens, washer/dryers, whirlpool appliances and wood style flooring. Our apartments for rent in Colorado Springs provide easy access to the Garden of the Gods, Chapel Hills Mall, the U.S. Air Force Academy, and many retail and office buildings located along the Powers Corridor and the north end of town.
Colorado Springs, CO 80923
Champions at Norwood
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- Infinity Resort Style Pool & Spa
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Colorado Springs, CO 80916
- Wood Burning Fireplaces (select homes)
- Walk In Closets
- Faux Wood Flooring (select homes)
- Newly Remodeled
- Resident Lounge and Cyber Cafe
- Dog Bark Park
A conveniently located community only minutes away from Peterson AFB, The Citadel Mall, and major employment areas, and downtown Colorado Springs. Fort Carson is also just a short drive away. We are now renting apartments in Southeast Colorado Springs.
Santa Fe, NM 87505
Dakota Canyon
- Waher & Dryer in select units
- Fitness Center
- Sparkling pool
- Easy access to I-25
- Walking and Jogging Trails Close By!
- Newly added Dog Park
- Near shopping, restaurants & schools
- Short drive to the Plaza!
Dakota Canyon in Santa Fe, NM offers spacious studios, one, two and three bedroom homes along with furnished units if needed! Close to I-25, shopping, restaurants, St. Vincent Regional Hospital, St. John's College, Santa Fe University of Art & Design and Santa Fe Community College! We are also located directly on a scenic bike and jogging path. We are proud to offer some of Santa Fe's most unique amenities. We have a sparkling pool, playground for children, fitness center and laundry facility.
Santa Fe, NM 87505
Rancho Vizcaya
- Woodburning fireplace with tiled hearth
- Large walk-in closet plus additional storage
- Washer and dryer in all apartment homes
- Custom kitchen and bath cabinetry
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- Indoor Basketball/Racquetball Court
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Rancho Vizcaya Apartments in Santa Fe, New Mexico offers 1,2 and 3 bedroom apartment homes. Woodburning fireplace with tiled hearth, Large walk-in closet plus additional storage, Washer and dryer in all apartment homes, Custom kitchen and bath cabinetry, Ceiling fans, Indoor Basketball/Racquetball Court, Lush landscaping, Custom swimming pools & heated spas, Clubhouses, patios or balcony, Fully equipped fitness center, Close to schools, shopping centers, downtown plaza, Resident business center
Santa Fe, NM 87505
The Enclave of Santa Fe
- Woodburning fireplace with tiled hearth
- Large walk-in closet plus additional storage
- Washer and dryer in all apartment homes
- Custom kitchen and bath cabinetry
- Custom swimming pools & heated spa
- Lush landscaping
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The Enclave of Santa Fe in Santa Fe, NM apartments offer one, two and three bedroom apartment homes and have amenities to meet a wide range of tastes and needs. Our amenities range from air conditioning, patios or balconies, washer/dryers in apartments, state of the art fitness center, indoor basket ball and racquetball court, two large heated pools and a very relaxing hot tub, resident business center, clubhouse /pool side Wi-Fi access, public transportation. Small pets are welcome. Come see
Albuquerque, NM 87114
The Resort at Sandia Village
- BBQ/Picnic Area
- Sports Courts
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- Half Court Basketball Court
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- Convenient to Shopping, Dining
- Close to Bus Line
ForRent.com presents The Resort at Sandia Village. The Resort at Sandia is West Side Albuquerque's premier location just off Coors on McMahon. Our new and huge 2 or 3 bedrooms apartment homes will impress. Beautiful and modern kitchens with black appliances, unique floor plans, fireplaces, patios, storage, convenient assigned parking, free cable, vaulted ceilings and pool with beautiful view! Call The Resort at Sandia today!
Albuquerque, NM 87111
Presidio at Northeast Heights
- White-washed cabinetry in kitchens and baths
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- Full-size washer/dryer in every apartment
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- Large Dogs welcome
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Presidio at Northeast Heights in Albuquerque, New Mexico offers one, two and three bedroom apartment homes for rent. Any size of pets are allowed at this community with approval from management. The community and apartment amenities range from air conditioning, alarm system, business center onsite, cable or satellite ready, carpet, ceiling fan, club House, corporate housing available, covered lot, dishwasher, fireplace, fitness center, garbage disposal, microwave, patio or balcony, swimming pool, vaulted ceiling, walk in closets, and washer dryer in unit and more! We have a spectacular view on the Sandia Mountains and is in one of the city's best school districts, is only minutes from downtown Albuquerque, the airport, and a variety of shopping and recreational opportunities. View prices, photos, virtual tours, floor plans, amenities, pet policies, property details and have instant contact with the apartment community
Albuquerque, NM 87111
Mountain Run Apartments
- Washer & dryer in every apartment home
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Mountain Run Apartments, in Albuquerque, New Mexico offers studio, one and two bedroom apartment homes for rent. Pets are welcome. We offer extra storage and a sparkling pool. Your apartment home includes a dishwasher, air conditioning, a spacious patio or balcony, and walk-in closets. We provide easy access to public transportation and offer disability access. Come home to Mountain Run today.
Albuquerque, NM 87111
The Overlook
- Air-Conditioning & Centralized Heat
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The Overlook Apartments, in Albuquerque, New Mexico offers studio, one and two bedroom apartment homes for rent. Pets are welcome. We offer a sparkling pool. Your apartment home includes a dishwasher, air conditioning, a spacious patio or balcony, and walk-in closets. We provide easy access to public transportation and offer disability access. Come home to The Overlook today.
Thank You! Your email has been sent. We appreciate your interest.


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College of Human Ecology
Outstanding in the Field
From its earliest days, the College of Human Ecology has strived for a global impact by leading research, developing programs, and guiding students at home and abroad. Following World War I, the college's founding directors, Martha Van Rensselaer and Flora Rose, traveled to Belgium to lead a child nutrition survey and advise its government on women's education. In this same spirit, the college carries out research programs, student exchanges, and field trainings with partners around the globe -- sharing ideas that prompt new discoveries, facilitating student learning, and fulfilling Cornell's broad outreach mission.
In the spring 2014 issue of Human Ecology magazine, discover how the college challenges students to go abroad and work on international issues to gain firsthand experience solving problems in health, development, and more. At their side are the college's faculty members, who go beyond our borders to partner with scholars in fiber science, human development, nutrition, policy, design, and other areas.previous entries
Human Ecology's Mission
Improving lives by exploring and shaping human connections to natural, social, and built environments
The college seeks to advance and improve the human experience by integrating academics, research, and outreach in the areas of nutrition and health, design and technology, human development, and public policy. Human Ecology's multidisciplinary units provide a distinct research and learning environment, one that fosters collaboration across Cornell's academic units, contributes to its disciplinary strengths in design, social, and natural sciences, and addresses the critical human challenges of the 21st century.
Human Ecology's Strategic Vision
The College of Human Ecology discovers, teaches, and applies practical solutions to challenges facing people across New York State and throughout the world. By 2015 we will become the leading institution in higher education that integrates the social sciences, natural sciences, policy, and design to explore how humans interact with their environments and extend that knowledge to others.
Our Priority Areas
Support for the College of Human Ecology will transform its ability to apply multidisciplinary strengths toward solving complex human problems and shaping leaders who are catalysts of positive change. The college looks forward to unprecedented possibilities with the convergence of Cornell's sesquicentennial and significant new research, teaching and engagement opportunities.


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Exhibit at the Suffolk University Art Gallery
Through Friday, Feb.17, 2012
Opening Reception: 5-7 p.m. Saturday, Jan. 21
Artist Talk: 4:30 p.m. Saturday, Jan. 21
Suffolk University Art Gallery
75 Arlington St., Boston
Gallery hours:
9 a.m. - 8 p.m. Monday-Friday
11 a.m. - 5 p.m. Saturday and Sunday
(After 7 p.m. and weekends, please enter through the main lobby at 10 Saint James Ave.)
The Suffolk University Art Gallery presents "Arthur Henderson: Wordly." The exhibition features sculptures, drawings and installations.
The gallery is free and open to the public. For more information contact 617-573-8785 or email@example.com to Events Listing »


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Engagement Rings: What Your Ring Says About You
Princess Cut Engagement ring
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From WENN.com
""For Shakespeare In Love I had to take my shirt off and be naked. I was worried because my grandad was a very conservative person. So before he got in the cinema, I told him that I had to do it because it was a very important role for me and all that. He just said, 'Don't worry, that will be like two eggs in a pan.'"" Actress Gwyneth Paltrow was embarrassed about showing relatives her Oscar-winning turn in Shakespeare In Love.