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Open Government
The Center for Effective Government on March 13 released a report on the government's Freedom of Information Act response efforts, finding that agencies processed more FOIA in 2012 than in previous years, and that backlogs have declined even as the number of requests has grown. But more requests are being redacted, the report found, and the cost of FOIA processing varied widely from agency to agency.
The data "suggests there may some economies of scale in processing FOIA requests," the report states, but volume alone does not explain the variations -- the State Department spent more than four times as much to process each request as did the National Archives and Records Administration, which responded to roughly the same number of inquiries.
The full report, which includes additional processing details, historical trends and other analysis, is available on the Center for Effective Government website.
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The CIA I can understand, every document probably has to be reviewed by a dozen people before it is approved for release. The Archives seems strange, but I guess it depends on what they are asking for and how far back in what vault those documents are stored. The Archives stores a really large amount of hard copy documents. Energy, NASA, and Commerse I would think might be getting more technical requests that are harder to compile. In the end, it is hard to tell what is going on unless you know how many requests are going to each group and what their review process is and what information is being asked for. It may be people are asking for boxes of documents or just proprietary information that belongs to their contractors.
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Primary Source Document
Throughout his life, James Madison was deeply concerned with the relationship between religious establishments and civil government. He firmly believed that the Constitution, and especially the First Amendment, clearly separated church and state and, furthermore, that this separation was fundamental to the health of the nation as a whole. While he was President, a bill came before him calling for the chartering of an Episcopal church in Alexandria, Virginia. As would be expected from this great advocate of religious freedom, he vetoed the bill and sent the following message to the House of Representatives on February 21, 1811.
Having examined and considered the bill entitled "An Act Incorporating the Protestant Episcopal Church in the Town of Alexandria, in the District of Columbia," I now return the bill to the House of Representatives, in which it originated, with the following objections:
Because the bill exceeds the rightful authority to which governments are limited by the essential distinction between civil and religious functions, and violates in particular the article of the Constitution of the United States which declares that "Congress shall make no law respecting a religious establishment." The bill enacts into and establishes by law sundry rules and proceedings relative purely to the organization and polity of the church incorporated, and comprehending even the election and removal of the minister of the same, so that no change could be made therein by the particular society or by the general church of which it is a member, and whose authority it recognizes. This particular church, therefore, would so far be a religious establishment by law, a legal force and sanction being given to certain articles in its constitution and administration. Nor can it be considered that the articles thus established are to be taken as the descriptive criteria only of the corporate identity of the society, inasmuch as this identity must depend on other characteristics, as the regulations established are in general unessential and alterable according to the principles and canons by which churches of that denomination govern themselves, and as the injunctions and prohibitions contained in the regulations would be enforced by the penal consequences applicable to a violation of them according to the local law.
Because the bill vests in the said incorporated church an authority to provide for the support of the poor and the education of poor children of the same, an authority which, being altogether superfluous if the provision is to be the result of pious charity, would be a precedent for giving to religious societies as such a legal agency in carrying into effect a public and civil duty.

subset: commoncrawl


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April 18, 2013, 10:57 AM — SAP will announce its first-quarter 2013 earnings on Friday, a report that will get heavy scrutiny from company watchers. Here's a look at some of the more important topics that should come up during SAP executives' conference calls with press and analysts on Friday.
HANA pricing changes: SAP recently added some flexibility to the way it prices HANA, the in-memory database platform that's at the heart of its development efforts moving forward. The company has said HANA is the fastest-growing product in its history, so additional context for the pricing changes could be given on the earnings conference call.
But SAP was also recently accused by a stock analyst of inflating HANA revenues through some financial number-juggling. While it's doubtful SAP wants to revisit this allegation, which it has strongly denied, the topic may come up again during the call.
Cloud and mobility momentum: SAP invested big in cloud software with the acquisitions of SuccessFactors and Ariba, as well as mobile application development and management through the 2010 purchase of Sybase. It has also devoted plenty of effort to its internally created cloud applications, such as Business ByDesign and Sales on Demand. Revenue totals as well as hints about future direction for both of these areas will be closely watched, as they represent relatively new lines of business for SAP.
Big ERP suite deals, or lack thereof: SAP's overall results will reflect the mood of software buyers around the world.
But it will be especially notable if SAP announces major deals that were signed in the first quarter for its Business Suite ERP (enterprise resource planning) software.
If it appears many companies are making the sizable and long-term IT investments that typically come with a Suite project, versus purchasing point products and add-ons, that could be a positive sign for the global economy. However, a lack of big ERP deal announcements may be equally telling.Database wars: A second potential topic of discussion regarding the Suite concerns customers who are planning to port the software to HANA. SAP is hoping to eventually use HANA to take market share away from Oracle, whose database is widely used among SAP customers. In a recent interview with IDG News Service, Oracle co-president Mark Hurd wished SAP "good luck" in that endeavor.


text: Desk organizers from Taylor Gifts can make your work space more efficient and tranquil. It's hard to concentrate and focus in a messy, unorganized work space. And it can be difficult to find the materials you need without the right organization system. Taylor Gifts can help you get more done every single day with a great selection of easy-to-use desk organizers. Whip your office into shape instantly, and increase productivity with help from Taylor Gifts. Shop TaylorGifts.com today to find a quality-made desk organizer that's just right for your office!


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Album Review: Defeater's Letters Home
Posted by Brandon Vesely on 07/26 at 05:43 PM
Grade: A
Defeater, a hardcore group from Boston Massachusetts, released their newest full-length album, Letters Home, on July 16 via Bridge Nine Records.
Defeater began playing as a group in 2004 but did not release any recorded material until 2008. With the release of their latest work, the hardcore outfit has produced three studio albums and two EPs.
Their music is conceptual and outlines the trials and trepidation of the working American family in the years after World War II, particularly focusing on themes of hollowness, monotony, and loss. Group members have described the post-WWII era as a sort of "gilded age" in American history, where America as a whole seemed to be on an upswing, but the prospects and living conditions of the working and middle class majority were not so promising.
Defeater typically combines traditional components of hardcore music, deep growls and heavily distorted guitar riffs, with a sprinkling of melodic elements. They pride themselves as innovators of hardcore and emphasize the importance of creativity and a willingness to be different within the genre's sometimes redundant landscape. The quintet is not above producing softer tunes, and their biggest hit to date, "I Don't Mine," is an acoustic love song from their sophomore album Empty Days & Sleepless Nights.
Letters Home builds on the success and energy of Empty Days and certainly does not disappoint. Like the band's previous works, Letters Home is dark and brooding both lyrically and instrumentally and continues the group's effort to chronicle the struggles of the American working class family.
The album opens with "Bastards," a song that includes complicated, technical guitar work and vocalist Derek Archambault's best screaming. The intro track sets the tone for the remainder of the album, a pulsating testament to working-class angst, dissatisfaction, and inner strife.
"Bastards" is followed by "No Shame." This track is a rhythmically driven song with harmonic guitar work. Archambault's shrieks serve as a percussive element that complement the song's captivating beat. Lyrically, the song continues to delve into pessimism and discontent with the monotonousness gloom of day-to-day working class life.
Letters Home trudges on with "Hopeless Again," a track that mixes musical elements characteristic of old-school hardcore groups with those used by contemporary post-hardcore bands. The song includes a softer bridge followed by a catchy breakdown that makes the song a standout.
Next up is "Blood In My Veins," another dissonant track, pushed forward by steady, unwavering guitar work and breakneck drumming.
The album's first half finishes off with "No Relief," another modern sounding track with harmonic elements. The title of the song resonates with the emotional and musical feel of the album as a whole. The album delineates an inability to find refuge from the despondency of working class life and the record offers the listener "no relief" from the continuous onslaught of heavy riffs and screeching vocals as it charges into its second half.
The sixth track of Letters Home is "No Faith." The track's unusually ornate guitar work makes it memorable, particularly because such instrumental work is uncharacteristic of the hardcore outfit. The next track, "Dead Set," recounts family turbulence and loss, a frequently addressed theme in the group's music.
The album's eighth song, "No Savior," begins with a mellow guitar passage that produces an aura of hopelessness and desperation. The intro shows the group's unparalleled ability to express distinct emotions through instrumentals and distinguishes them as masters of varying musical styles. After about a minute the vocals kick in and the song powers into a heavier section. Regardless of the distorted guitars and guttural vocals, the emotion conveyed in the intro is undoubtedly still present and defining throughout the track.
The next track, "Rabbit Foot," mimics the soft intro of "No Savior" and builds into a pressing vocal passage. This track's sophisticated drumming is particularly impressive and meshes well with the wall of distorted guitars to create a unique, memorable rhythm. Like the preceding track, "Rabbit Foot" builds in intensity and finishes explosively with the help of Archambault's passionate wails.
The album's final track, "Bled Out," is the longest track on the album and clinches the album both musically and conceptually. The track's lyrics bring together most of the themes and emotions touched on throughout the album, and shows the musicians' competence in a variety of musical styles. Once again, the last track undeniably exposes the band's unique ability to synthesize emotion through instrumentals and to utilize vocals as a rhythmic and lyric vehicle. "Bled Out" is a satisfying conclusion to an emotional and unforgettable album.
With their third album release, Defeater continues to establish themselves as a force in the alternative/hardcore scene and to display their unrivaled creativity and emotional depth. Their unique lyrical content and eagerness to step outside the established boundaries of traditional hardcore music makes them stand out among modern rock groups.
I highly recommend streaming the full album here: Defeater – Letters Home
Author: Brandon Vesely
Bio: Brandon Vesely is originally from the Pittsburgh area and is currently a junior majoring in Public Relations and Spanish at Penn State. In his free time he enjoys reading, writing, biking, and spending time outdoors. His musical interests are wide-ranging and include a variety of alternative genres including post-hardcore, indie, noise pop, and pop punk. Some of his favorite artists are Bayside, Yeasayer, Phantogram, and Fireworks.
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Another exciting week is here, and we have so many new Posh Parties planned for you! The week is jammed packed with back to back (to back) Posh Parties with some seriously stylish ladies as hosts. Be sure to tune in three times daily for all the fashion fun!
***Also, we will be announcing all the details for our LIVE LA Posh Party, stay tuned!***
Monday, 2/25:
Tuesday, 2/26:
Wednesday, 2/27:
Thursday, 2/28:
Friday, 3/1:
Saturday, 3/2:
Sunday, 3/3:
Hope to see you there!
{Products pictured above:1/2/3/4/5/6}


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During their visit to Russia, fifteen members of the Zarkana troupe led a circus workshop for children from Orphanage number 15 in the city of Moscow. The orphanage uses circus arts to initiate the children into the arts and develop their self-confidence.
The Cirque du Soleil artists received a very warm welcome from the 110 children, aged 7 to 17, who had been looking forward to their arrival with great excitement. After the general warm-up, the children had the choice of six workshops: make-up, juggling, movement, dance and rhythm, aerial and capoeira. All the children had the opportunity to try the six disciplines. The workshop was a big hit, both with the spellbound children and with the Zarkana artists who felt moved and rewarded by their contribution.
Lastly, during the Zarkana visit to Moscow, 60 children from the same orphanage also attended a performance of the show and afterwards met the artists, to share ideas take some pictures with them.


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Drag the home icon in this panel and drop it onto the "house icon" in the tool bar for the browser
Select "Yes" from the popup window and you're done!
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The San Francisco Chronicle
SAN FRANCISCO - Anti-war demonstrators who are arrested in the future in San Francisco will have something more in common than a shared passion. Many of them will probably be taken away in handcuffs made of braided nylon that their manufacturer touts as "the inescapable choice in disposable restraints."
It's definitely an opportune time for Tuff-Tie Inc. of Voluntown, Conn., which makes the disposable handcuffs, as prisoners of war are taken into custody in the Persian Gulf and anti-war demonstrators run afoul of the law in San Francisco and in other U.S. cities.
Full story:
Sales of disposable cuffs booming; S.F. Police Dept. orders 30,000 nylon restraints for protesters


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Editorial Fashion on Location Workshop:
Ever wanted to go to NYC and shoot around the city with amazing editorial fashion models? Don't have the time/resources to do so? Well, now you can....I'm teaming up with Studio OC (who will be holding a groupshoot as well, keep your eyes peeled for that) and we're going to be taking over one of the major studio backlots/sets of New York City in approx 6 weeks.
This workshop will focus on how to work with an editorial fashion model on an shoot focusing on telling a story via mood at a the hub of the western fashion world: New York City streets. It will focus on getting an idea and inspiration from your surroundings and the available to you in order to develop a cohesive and logical sequence of images that will tell a story focusing greatly on mood and creative use of your environment and lighting.
What we'll cover:
This workshop will assume you have a basic understanding of shooting models outdoors on location using natural light. While I will be available to answer any basic questions, the workshop will focus on:
Creating mood and telling a story through images, be it a single image that draws the viewer to conclusion, or a series of images that act as a narrative. Directing models to get said mood, and sculpting shadows will be focused on here.
Utilizing the location to your advantage. Work with interesting composition and get more interesting photos with a sense of cinematic grandness by thinking outside the box.
We will go over what generally works and what doesn't and how to spot potential problems and find solutions to them before they become a hindrance.
More details:
Photographer/model ratio will be low (we usually end up with 2 or 2.5:1 ratio), allowing you to work on communicating with the models and developing a good working relationship with them. You won't have to worry about competing with a half dozen guys to get shots of a model here
Models: Models will be posted shortly, but they will be of the same quality (and quite possibly some of the same) as those in my portfolio. All real, agency repped, working models.
Capped at 10 for workshop, will consider adding a second one from 1-5 if there is enough interest.
$750 for workshop
$400 for lot usage only (details below)
Update: You may pay 50% to reserve your spot if you need time to save up the rest. Applies to both workshop, or solo-usage.
Paypal email addy: email@example.com (msg with details including name and phone#)
Before: 9/7/13 = 100%
After 9/7 but before: 9/14 = 50%
After 9/14 = No refunds
Note: In order to make sure we have enough models and ensure enough time to negotiate with appropriate agencies, as well as give final confirmation to hair/makeup/wardrobe as to how many will be there: the deadline for signups will be Sept: 8th at midnight.
Los Angeles Movie Studio Backlot, details will be sent to those who register
9am-1pm for workshop, along with an additional 3hrs (1-4pm) of usage of the lot/set for yourself as a bonus (in other words, book a model, have them come at 1, and take advantage of a location you'd otherwise probably be hard-pressed to come across )
What to bring:
Optional: Lights/battery packs
It's just for that one day. Just giving an option for those that might already have concepts/teams/gigs/whatever that could use the location in order to help offset the cost of the rental for us for that one day. It's roughly 7% of what you'd pay normally though if booked on your own
Ok thanks - thought you might have access to the lot on an ongoing basis for location rental.


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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"From start to finish this was a great experience. I had to call for help twice and the customer service reps were so pleasant and helpful. My order came early, which was fabulous and I loved the weight of the paper, as well as the design that I chose. I am a VERY happy customer."
"The paper made the invite very rich looking. The only complaint I would have is they did not give you any extra envelopes so there was NO room for mistakes!"
"I ordered these invites on 6/17, received a proof on 6/18, and the order arrived on 6/20, a whole 10 days earlier than expected! I love the deisgn and the designer even moved the wording over because there was a lot of black in the picture I used. Overall, everything turned out fantastic!"
"I chose to have my dots in a green color for my wedding. They changed the green a few times to get it to my liking and match my wedding color! I was very pleased. I didn't actually realized it was on textured paper till it arrived but I like it a lot. Very artistic and classy."
"We were able to customize the invite with our own picture and text. Sent in comments to change the text and our proofs displayed exactly what we asked for. Couldn't be happier!"


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Dear YD colleagues,
On Oct. 2, we will hold the second symposium in our social and emotional learning series. Dr. JuanCarlos Arauz will present, "Cultural Resilience: A framework for promoting assets."
Dr. Arauz will share a framework for creating a rigorous, inclusive environment with a diverse community, and discuss how to reframe equity issues from a deficit to an asset-based approach by identifying the skills young people gain from their diverse life experiences and translating them into success within and beyond the classroom.
I hope you take advantage of this important learning opportunity, which is critical to our work and our goal to reach diverse audiences of youth throughout the state. Staff can participate in person or online.
I also encourage you to read Kate Walker's recent blog post on cultural resilience.
On another note, over the next several weeks Jennifer and I will be traveling across the state to meet with regional teams. The goal is to continue the discussions about our 5-year strategic plan and targets, and the Youth Development results of the University Employee Engagement Survey. A key strategy in our 5-year plan is to increase the satisfaction of our employees by fostering an organization of professionalism, collegiality, inclusion, and high standards. The results from the engagement survey are very important and give us insight into specific areas that we can work on together to improve the health and productivity of our work environment for all staff. Our next steps are to figure out how we can best work together to create an action plan and solutions.
I look forward to seeing all of you soon!
Associate dean & state 4-H director


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Salomon Q-103 Stella
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Where to Buy
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Help support Trailspace by making your next purchase through one of the links above.
Retailers' Descriptions
Here's what other sites are saying:
The Salomon Q-103 Stella women's all-mountain skis are for women freeriders who ski aggressively without boundaries. Directional stability with Utility Rocker, the Q-103 Stella shreds the powder and she shreds the groomed. Full Woodcore: Wood from tip to tail improves stability and rebound, maximizes ski to snow contact and filters vibrations. Edgy Monocoque: Designed for freeskiing applications, with reduced excess material for more efficient energy transfer from skier to snow. Oversized PULSEPAD: Anti vibration layer molded into the ski all along the front part of the ski to filter vibrations for better absoption and smooth ski/snow contact. Edge Free extremities: No edges in the tip or tail area of the ski provide more fluid gliding in powder because edges don't "hang up", and weight is reduced. Honey Comb Tip: Super light honeycomeb construction in the tip extremeties reduces inertia to make the ski more maneuverable and playful. Reinforced with an ABS frame for durability. Wide edges: Thicker edges for increased durability and improved shock resistance. Total edge reinforcement: A fiber reinforcement directly on the edges that provides edge stiffness for improved durability and grip. Gentel Rise Tail: A shorter, shallower rise to the tail rocker that increases edge contact and stability. Utility Rocker: The directional, hybrid version of TWIN ROCKER. A larger CARVE ZONE (camber) and lower tail rocker, with gentle rise, increase stability and control in all conditions, while remaining highly maneuverable and easy to steer. The Salomon Q-103 Stella womens rockered touring skis perform well both in powder and on groomed runs, so have fun wherever your legs can take you!. Lenght: 158 cm, 165 cm. Weight per ski: 3 lbs, 11 oz or 1690 g (size 158). Dimensions: 127 / 102 / 119 (size 165)
- Tahoe Mountain Sports
If you don't know what 'backside' means, you're probably not skiing it. If you're back there getting face shots and floating on air, then you're loving your Salomon Women's Q-103 Stella Ski. This powder-happy ski has a nice fat tip, a mid-fat waist, and a tip rocker for optimal loft in deep snow. The directional stability and ample sidecut radius means this ski loves to go full throttle. Even with this light weight, semi-cap construction and honeycomb tip, the Stella won't flap in the wind or chatter on runouts. The full wood core keeps it strong and stable, and the gentle-rise tail adds control and strong rebound from turn to turn. If you're a powderhound and live for backside explorations--you know who you are--this is your stick.
- Backcountry.com
The 2013/2014 Q-103 Stella is designed specifically for women that ski aggressively all over the mountain, on-piste and off. With great stability and smooth running Utility Rocker, Stella shreds the powder and the groomed.Specs: 158cm: Tip-124mm, Waist-101mm, Tail-116mm, Radius-23.3Measured Weight: 7lbs 8oz (3.4kg)Features:Full Wood CoreEdgy MonocoquePulse PadOversized Pulse PadEdge Free ExtremitiesHoney Comb TipWide EdgesTotal Edge ReinforcementGentle Rise TailUtility RockerCarve Zone
- Second Ascent
Salomon Q-103 Stella
currently retails for:


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30 U.S. Code § 822 - Representation of Secretary in civil litigation by Solicitor of Labor
Except as provided in section 518 (a) of title 28, relating to litigation before the Supreme Court, the Solicitor of Labor may appear for and represent the Secretary in any civil litigation brought under this chapter but all such litigation shall be subject to the direction and control of the Attorney General.
Source(Pub. L. 91–173, title I, § 112, as added Pub. L. 95–164, title II, § 201,Nov. 9, 1977, 91 Stat. 1313.)
References in Text
This chapter, referred to in text, was in the original "this Act", meaning Pub. L. 91–173, Dec. 30, 1969, 83 Stat. 742, known as the Federal Mine Safety and Health Act of 1977, which is classified principally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under section 801 of this title and Tables.
Prior Provisions
Provisions similar to this section were contained in section 816 (f) of this title prior to the amendment of this subchapter by Pub. L. 95–164.
Effective Date
Section effective 120 days after Nov. 9, 1977, see section 307 ofPub. L. 95–164, set out as an Effective Date of 1977 Amendment note under section 801 of this title.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
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text:
I don't do internet fights, especially over theological matters, and this post is in no way meant to start some protracted battle over the veneration of Mary—which practice I oppose. I'm simply writing this out because On That Hill is a better forum for my thoughts than Twitter, and I wanted to give Señor Jamey Bennett, taco-lover and Orthodox food dude, something better than inarticulate 140-character missives.
Mrs. Boychuk's article, linked above, seems to summarize the Orthodox, and for that matter, the Roman Catholic position in favor of the veneration of Mary… as well as the practice of praying to her, seeking her intercession, etc. At least, it doesn't introduce anything I haven't heard before (in various contexts): Mary as the new Eve, Mary as a kind of prophet, as a kind of ark, etc. I've heard this from the veneration-of-Mary arguments, but I've heard far more of it in my own circles. I sit under Peter Leithart, a man whose exegesis wrings countless riches from any given text—I hear all of this and more every year during Advent and Christmas. Yes, Mary is all these things; she's also a new Sarah bearing a new Child of promise, a new Deborah singing a new song of deliverance, a new Ruth being lifted from the dust heap, and so on. She is all these things, and more, and together with these other women (and the other women mentioned in the gospels), she looks forward to the ultimate Woman: the church, the Bride of Christ. I'm all for typological readings of Scripture; the Irenaeus quote is a leading candidate for the back tattoo I hope my wife will someday let me get. But this reading of Mary from the above-linked article, you could say, doesn't go far enough for me.
Then there's this:
…Orthodox Christians argue that no ordinary woman could give birth to God's Son and that she was chosen by God because she was a holy young girl whose will was aligned with His Will. Certainly, she was ordinary in that she was a human being like the rest of us, but her submission to God set her apart for the most important job a human could ever fulfill.
"…because she was a holy young girl…"? But the angel said:
"Rejoice, so highly favored! The Lord is with you!… Mary, do not be afraid; you have won God's favor…"That's from The Jerusalem Bible.
Not, "Hey, rejoice, holy one! You're the only one up for this job Yahweh has for you…" It's, "Rejoice, favored one!" Rejoice, you who the scribes and priests couldn't give a crap about, you who the Romans would kill and rape if they got ornery enough, you poor and meek woman of the earth: God is going to up-end the world the way he always does—through a woman of no reputation.
The New Testament is studded with characters like this—a poor girl who appears to be knocked-up who bears the Christ, a gaggle of illiterate fishermen who preach the gospel before kings, a tax collector who records the Sermon on the Mount, a sonofabitch murderer who becomes the Prince of the Apostles. God doesn't choose people to do great things because of their merit. He takes strength and makes it weak, and then turns weakness into strength. I can't think of anywhere where God chooses the person whose "submission to God set her apart for the most important job a human could ever fulfill." But we could multiply examples of the opposite…
Concerning Mary's perpetual virginity, even granting all of Mrs. Boychuk's points, I still don't see how it's Biblically necessary for Mary to have remained a virgin. The story of redemption leads to consummation, a wedding scene, a Bride adorned for her husband. As for Joseph thinking of Uzzah touching the ark, he probably would have remembered that Uzzah touched the ark while God was still inside it, as it were. And from Matthew's account, it's entirely reasonable to assume that he kept his hands off during her pregnancy, for a number of reasons that may have included grim memories of Uzzah. But afterwards, being a just and righteous and devout Jew who knew the law, he probably would've hastened to Exodus 21:10 and her conjugal rights, God having left the ark, as it were.
I know I haven't answered every part of the article; this is already a hundred times longer than I wanted it to be. Before I conclude, let me hasten to mention that I in no way wish to disparage Mrs. Boychuk or Mr. Bennett. I am also sure I have said nothing that they haven't heard before, having their Christian origins in Protestant circles (and Mr. Bennett being well acquainted with many of my teachers and sources). Though they'd refuse the bread and wine I as a deacon would serve them (were they to visit Trinity Reformed Church) and I'd be left outside with the Philadelphia hungry at Mr. Bennett's church, they are not enemies of the cross of Christ, and so I consider them my siblings.
With that out of the way, I can't really say it any better than the angel who spoke with John near the end of Revelation, when John knelt at his feet to worship him: "Don't do that! I am a servant just like you and like your brothers the prophets and like those who treasure what you have written in this book. It is God that you must worship."
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Lois Lane Watch for the week of July 20th
Every Wednesday, I'll be doing a post outlining where you can expect to find Lois throughout the week! Why Wednesday? So that you'll know which comic books to pick up at the shop. If I miss anything – cameos in other comics, interviews with actresses or writers, television appearances, etc. – please let me know by leaving the information in the loislaneverse ask box.
Comics/Print Media
WEDNESDAY, July 20:
- Written by MARV WOLFMAN and TONY BEDARD
- Art by MIKE S. MILLER, HOWARD PORTER and LIVESAY
- Cover #12 by HOWARD PORTER
- In issue #12, Batman begins connecting Luthor, Brainiac, the Exobytes and the survivors from The Daily Planet. But will he be in time to help Superman's worsening condition?
- Written by KELLY SUE DECONNICK • Art by CHRISCROS and MARC DEERING • Cover by AMY REEDER and RICHARD FRIEND
- Deep below one of the most prestigious universities in the DCU lie some deadly secrets that Supergirl is determined to expose! But if she uses her powers, she'll blow her cover, thus ruining any chance she and Lois Lane have of catching the madman responsible for it all!
- Written by JOSHUA HALE FIALOKOV • Art by TOM¡S GIORELLO
- Cover by MIGUEL SEPULVEDA
- Don't miss this new tale of the early days of Superman and Batman's partnership! Someone has gotten close to finding out the true identity of Batman, and now that person has turned up dead! Superman is about to discover just how gray the world of The Dark Knight really is.
(Nothing of note on the television front, now that Smallville reruns have ended.)


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25 U.S. Code § 1484 - Application for loan; approval by Secretary; issuance of certificate; limitations on amount of loans to individual Indians or economic enterprises; review by Secretary
The application for a loan to be guaranteed hereunder shall be submitted to the Secretary for approval. The Secretary may review each loan application individually and independently from the lender. Upon approval, the Secretary shall issue a certificate as evidence of the guaranty. Such certificate shall be issued only when, in the judgment of the Secretary, there is a reasonable prospect of repayment. No loan to an individual Indian may be guaranteed or insured which would cause the total unpaid principal indebtedness to exceed $500,000. No loan to an economic enterprise (as defined in section 1452 of this title) in excess of $250,000, or such lower amount as the Secretary may determine to be appropriate, shall be insured unless prior approval of the loan is obtained from the Secretary.
Source(Pub. L. 93–262, title II, § 204,Apr. 12, 1974, 88 Stat. 79; Pub. L. 98–449, § 5,Oct. 4, 1984, 98 Stat. 1725; Pub. L. 100–442, § 1,Sept. 22, 1988, 102 Stat. 1763; Pub. L. 101–644, title III, § 303(b),Nov. 29, 1990, 104 Stat. 4668; Pub. L. 107–331, title I, § 103(a),Dec. 13, 2002, 116 Stat. 2836.)
2002—Pub. L. 107–331substituted "$250,000" for "$100,000".
1990—Pub. L. 101–644struck out "prior" before "approval" in first sentence and substituted "may review" for "shall review" in second sentence.
1988—Pub. L. 100–442substituted "$500,000" for "$350,000".
1984—Pub. L. 98–449substituted "$350,000" for "$100,000", and inserted after first sentence "The Secretary shall review each loan application individually and independently from the lender."
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
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Roughly 2.5 million people across the country will receive a pay raise when the clock strikes midnight on New Year's Day.
A total of 13 states are set to increase their minimum wage.
Topping that list is Washington State, where the minimum wage will go up to $9.32 per hour.
In Illinois, the rate will remain at $8.25. Governor Pat Quinn continues to push lawmakers for an increase to $10 per hour and the issue will likely be addressed in the New Year.
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33 U.S. Code § 1295 - Requirements for American materials
Notwithstanding any other provision of law, no grant for which application is made after February 1, 1978, shall be made under this subchapter for any treatment works unless only such unmanufactured articles, materials, and supplies as have been mined or produced in the United States, and only such manufactured articles, materials, and supplies as have been manufactured in the United States, substantially all from articles, materials, or supplies mined, produced, or manufactured, as the case may be, in the United States will be used in such treatment works. This section shall not apply in any case where the Administrator determines, based upon those factors the Administrator deems relevant, including the available resources of the agency, it to be inconsistent with the public interest (including multilateral government procurement agreements) or the cost to be unreasonable, or if articles, materials, or supplies of the class or kind to be used or the articles, materials, or supplies from which they are manufactured are not mined, produced, or manufactured, as the case may be, in the United States in sufficient and reasonably available commercial quantities and of a satisfactory quality.
Source(June 30, 1948, ch. 758, title II, § 215, as added Pub. L. 95–217, § 39,Dec. 27, 1977, 91 Stat. 1581.)
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The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
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The split continued a familiar trend for the Oles, who went 2-2 at the UW-River Falls tournament earlier this season.
In the first match of the Augsburg Invitational, St. Olaf drew undefeated UW-Stout and took the first set 30-28. The teams battled to a standstill early in the second set before Stouts powerful front line took control of the net and converted several crucial opportunities. The Blue Devils escaped with a 30-26 second set victory and closed out the match in four sets.
The Oles had little time to dwell on the early loss, as a tussle with St. Scholastica was on tap for later that evening. The match proved to be a polar opposite of its afternoon counterpart, as St. Olaf controlled the net and came up with the big plays when needed.
Only a 30-28 third-set Saints win prevented an Ole sweep as Andrea Otteman 07 slammed home 19 kills and Rebecca Anderson 08 and Jillian Dalen 05 combined for nine blocks.
After an early wakeup call for the 9 a.m. Saturday match, the ladies dropped a tough first set 32-30 against an energized host squad. The Oles emerged from the second set with a hard-fought 30-27 win before kicking their offense into high gear. Setter Audrey Volstad 07 assisted on 57 Ole kills and Dalen added three service aces as St. Olaf won the next two sets by double-digit margins.
Saturdays early morning victory over the Auggies landed the Oles in the third-place match against the Blugolds of UW-Eau Claire. The match which transpired was a back-and-forth struggle, as it took the full five sets to reach resolution.
The Blugolds stormed out of the gate, winning the first set comfortably. The Oles answered back, however, and found just enough momentum to claim the second set 31-29. UW-Eau Claire regained control by flipping the script and nabbing the third game 31-29. The Oles refused to go quietly; the captured the fourth set 30-23 and forced a decisive fifth and final set.
In the end, the Blugold front three were too much as they combined for 22 blocks and 58 kills. A 15-12 fifth set triumph secured third place honors.
Ashley Dennis 07 totaled 17 kills in the losing effort and was the only Ole named to the all-tournament team. Not to be outdone, Anderson registered seven more blocks from her middle blocker position.
After nearly three weeks worth of away games, the spandex-clad lady spikers will finally play on the hardwood of the Skoglund Athletic Center when they take on Gustavus Sept. 22. The action gets underway at 7 p.m.


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"Dial L For Loser" the Clique Series book #6
By Lisi Harrison
Reviewed by Toni D., age 13
Goodbye Westchester! Hello Hollywood! The Pretty Committee (PC), the most popular girls at Octavian Country Day (OCD) School, take off to Hollywood! Massie (PC leader), Alicia (PC's second in command), and Claire (PC's new girl) answer destiny's call when PC member, Dylan Marvil, invites them to come to her mother's television show, "The Daily Grind." They are invited to appear on the television set to meet Hadley Durk and Abby Boyd, the future stars of the "Dial L For Loser" movie. When Hadley calls it quits after finding out Abby is cheating with her boyfriend, the movie director invites Massie, Alicia, and Claire to come to Hollywood to try out for Hadley's former lead role. But who will get the part? How will the runner ups take it? What about all the drama that goes on in Westchester, NY? FIND OUT IN THE BOOK.
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text: PROFESSIONAL COUNCIL MEETING MINUTES October 18, 2000 PRESENT: Clyde Carroll, Jim Manning, Jim Mitchell, Vicki Orazem. ABSENT: Chuck Lindemenn, Carol Schmidt. The meeting was called to order by Chair, Jim Manning, at 2:00 PM. Proposed revisions to the Personnel Policy and Procedures Manual - Kerry Evans and Sherry Johannes. - Most of the proposed changes in the Personnel Policy and Procedures Manual reflect changes in names of university departments, titles of positions, and other minor "housekeeping" changes. - Attachments that were included in the manual have been removed and will be sent electronically to departments upon request. - A statement has been added that the Vice President for Administration and Finance may adopt interim policies without review, but these policies must be reviewed within six months or they expire at the end of that time. - In Section 440, it was suggested by Professional Council members that a statement such as, "there should be at least one member of each gender" be added. - It was suggested contract professional employees work toward having their own handbook or develop a cross-referencing document that indicates sections of the Faculty Handbook and the Personnel Policy and Procedures Manual that pertain to professionals. - Proposed revisions to the Classified Employees Personnel Advisory Committee and CEPAC By-laws were distributed, but Professional Council did not review them, because it seemed inappropriate to do so. Faculty/staff distribution list - Leslie Taylor, University Counsel. - The faculty/staff distribution list was originally instituted to make it possible to announce official university business to all employees. The rule has been that the notice affects all faculty and staff. - There has been an increasing number of requests to use the list for announcements that may be of interest to most or to all faculty but which are not official university business. - There have been some complaints about some notices that have been distributed. It is understood that there needs to be a mechanism for important news to be distributed and that there needs to be a mechanism for communicating campus-wide information, as well. - One idea that is being considered is to continue to use the President's Office distribution list for university business which must be distributed to all employees and to have another distribution list for communication of items which have university-wide appeal but which have no mandatory provision for distribution. Using this type of "bulletin board" which any employees are able to post to has worked well at some other universities. - During discussion, there appeared to be consensus by Professional Council that it would be worth trying such a method of communication. Chair's report - Jim Manning. - A memo was sent to President Roark requesting an additional professional on the Strategic Planning and Budget Committee, since additional faculty positions have been added. Professional Council will meet with the President on October 25 at 3:00 PM to discuss this. This will be an opportunity to thank the President for his work at MSU, also. - Professional Council wants to make sure that the SPBC working groups include professionals. As there was no further business, the meeting adjourned at 3:00 PM.


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Lamborghini Veneno supercar photos leak ahead of Geneva
$4 million Lambo hypercar sold out before its reveal at this week's Geneva Motor Show.
It's not official quite yet, but shots of the Lamborghini Veneno supercar have arrived on the Internet ahead of the car's official Geneva Motor Show debut this week. Here's what we can tell you: At $4 million a copy, the Aventador-based Veneno would seem a tough sell, but exclusivity is worth it for some; all three cars have been spoken for already.
Expect a tuned version of the Aventador 6.5-liter V12, powering the Veneno to a terminal velocity of 220 mph. And expect a whole lot more of this latest Lamborghini when the silk is pulled at the Geneva Motor Show.
The Lamborghini Veneno -- your latest Italian bullet train.
More pictures after the jump.
Like the bones, the powertrain is based on the Aventador, and the Geneva supercar runs a 6.5-liter V12 pushing out 740 hp paired with a seven-speed automated manual transmission.
The Lamborghini Veneno is all fins and vents from the top.
Just three Veneno models were available, and they are already taken; two sold to buyers in the United States.
-- Andrew Stoy
Content provided by Autoweek.
Get more Car News from Autoweek.
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Alien Craft,
The Romans have built yet another bad-*** chariot that looks like a visitor from another planet. What a rush it would be to get behind the wheel of this sled, light it up and blast through the gears. One would have to be out in the middle of absolutely nowhere to take this Lambo up to full speed but who cares? Apparently there are three very rich and lucky guys who will get a chance to play with this road rocket. Kudos.
Peace to all ~
A look at 20 one-of-a-kind automobiles meant only for the 1 percent.
Cars are cool, and here at MSN Autos we love everything about them, but we also know they're more than simply speed and style: a car is an essential tool, a much-needed accessory to help you get through your day-to-day life. What you drive is also one of the most important investments you can make, so we'll help you navigate your way through the car buying and ownership experiences. We strive to be your daily destination for news, notes, tips and tricks from across the automotive world. So whether it's through original content from our world-class journalists or the latest buzz from the far corners of the Web, Exhaust Notes helps you make sense of your automotive world.
Have a story idea? Tip us off at firstname.lastname@example.com.


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CRAFTSBURY-The Craftsbury Chargers played host to the Concord Wildcats on Thursday afternoon, and right from the start fans could tell it was going to be a good game for the home team.
Craftsbury scored twice in the opening two minutes en route to picking up a 5-0 win to move to 5-1 on the year.
"It was a good game for us," said CA coach Mike Reutz. "We possessed the ball well and we did the things that we do in practice, which is huge, it is a big step. It was also nice to get some of our second string players into the game and get their confidence up where it needs to be."
ORLEANS-The Lake Region Rangers put their 4-0 record on the line Wednesday afternoon as they welcomed in the Peoples Academy Wolves one day after the LR girls did the same.
Tuesday saw the Lady Rangers lose their undefeated streak in a close 2-1 loss.
On Wednesday the tides would change, as Riley Urie's game winner with 2:30 left to go in the second gave the Rangers a 2-1 victory and bumped up their record to 5-0 on the year.
ORLEANS–The Lake Region Lady Rangers put their undefeated streak on the line when they hosted the Peoples Academy Wolves on Wednesday afternoon.
It would be a challenging afternoon for the Lady Rangers, as they are pretty banged up and were forced to move a lot of players around to unfamiliar positions.
With that being said, the Wolves would be one goal better on this day, and the Lady Rangers lost their first match of the season 2-1.
NEWPORT-The outbreak of Hand, Foot and Mouth disease continues to be a problem for the North Country athletic department.
Tuesday's varsity soccer games against the Lyndon Institute Vikings have been canceled, as have the jv games scheduled for Wednesday.
Wednesday's varsity field hockey game against Milton has also been canceled.
No make-up dates for any of the contests have been announced as of this writing.
The games were canceled because the visiting schools did not want to send their kids up to Newport for fear of catching the highly contagious disease.


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Boomers feel unprepared to retire
A survey shows that individuals aged 50 to 66 expect to work longer and to have less financial security in their retirement.
This post comes from Anne Tergesen at partner siteSmartMoney.
How prepared are the baby boomers for retirement? The results of a new survey, released this week by the Insured Retirement Institute, a nonprofit that represents insurers, broker-dealers and asset managers, are not too encouraging.
The survey of 803 individuals aged 50 to 66, contains a glimmer of good news: 74% of this group expect their financial situation to improve or stay the same over the next five years.
But the report indicates that most do not expect to amass enough to cover their expenses in retirement. For example:
- Only 40% are extremely or very confident of having enough money to cover basic needs in retirement.
- Nearly two-thirds are not confident about covering medical expenses.
- Three-quarters do not feel prepared for future long-term care costs.
- 60% believe their financial security in retirement will be about the same or worse than that of their parents.
Boomers expect to rely more on income from 401k accounts than defined benefit pension plans:
- 42% expect 401k and other defined-contribution plans to provide a major source of retirement income, up from 36% last year.
- Only 37% expect to rely significantly on traditional pension plans, unchanged from last year's survey. (Post continues below)
Not surprisingly, a growing number expect to postpone retirement.
- 35% expect to retire after age 66, including 23% who expect to work into their 70s. (The numbers from last year's survey were 28% and 17%, respectively.)
And more expect to work in retirement to supplement their income.
- 64% expect wages to be a source of retirement income, up from 57% last year.
Particularly at risk are single people and middle-income boomers, with annual earnings of between $30,000 and $75,000. "While most boomers report a higher level of confidence than they did last year, these two cohorts are the exceptions," the report says.
- 72% of single boomers are not confident they will have enough money to live comfortably throughout their retirement years, compared with 60% of married boomers.
- 38% of unmarried boomers expect their financial security in retirement to be worse than that of their parents, compared with 26% of married boomers.
- 21% of unmarried boomers had to prematurely withdraw funds from their 401k, IRA, or other retirement investments, compared with 14% of married boomers.
- 70% of middle-income boomers are not very confident about having enough money to live comfortably in retirement.
- 40% of middle-income households stopped putting money into a 401k, IRA or other retirement account (compared with 37% last year).
More on SmartMoney and MSN Money:
I'm not surprised by this. Boomers have the highest rate of divorce (higher than our parents generation) which causes retirements to be split; lack of job security; lack of defined pension plans; not living within our means; the "great depression" of 2008-2010 wiped out retirement values; the housing crisis; global crisis.
Retirement for all generations is the elephant in the room. The problem with 401K's is the high fees associated with those (most 401K's are mutual funds), thereby that is less money for one's retirement. Also the lack of "security" in these 401K's. Too often, CEO's have dipped into the pension plans and 401K's. Retirement and health care in America, as well as the tax code needs a serious overhaul!
i'm 66 and still working. I don't really mind it at all. Lots of people around of all ages and backgrounds. I sell machinery so I still talk to people on the phone. I suppose I'll go to 70 no problem. I do trade shows around the country, still rake my own leaves and shovel my own snow. I love being alive and living it like I mean it. Scotch in the evening is my favorite "pick me up"!
My husband and I both anticipate snorkling in the islands at 70+!!
I retired last year at age 59, planned for 55 but lost $ in 9-11, regrouped, planned and did it, i love it! LG...life is goooood. For you youngsters plan, plan, and plan some more, i recommend you buy yourselve a low price fixer upper house and fix it yourself. pay extra on you mortage and pay it off asap, buy another one the same way...rent it out. get into a 401k and stay away from high risk planning. yea look out for yourself and dont depend on corporate america or the government for your future. LOOK OUT FOR YOURSELVES!
Started saving through 401k's at 25....still now at 50 I worry if I'll have enough....so I keep saving, even in the tough times when I'd much rather see that money in my paycheck....Words of wisdom. Save what you can, don't spend beyond your means, pay down debt before considering any new purchases...and smile and appreciate the things you do have.
I am retired and near the age of '69. In fact, with recent trends in the US over in the last 10 years, I am afraid of the future. I wish I had been born in '33 rather than '43 as I would have had 10 more years when things were good and stable here. The future for current retirees will be bleak and bleaker in my opinion. This article is good in that you can see the deteriorating financial trends of retirees and those still working but near retirement. Basically if you are upper income and /or rich, there are things you can do, if you are middle class or working class, is little you can do. about it.
As a retiree, and if you are still working at a good day job-- even if you don't like it, hang on to that job as long as you can possibly, possibly can; that is your best near term retirement security, particularly if you make $100K or better. I wished I had worked 3 to 4 more years with the federal government myself - alas we don't have a 'tv' view of the future years so we decide on faith that things will work out well. Today that is a naive faith indeed. Also don't believe these messages from Fidelity, Vanguard, or your financial advisor, or MSNBC money about when you should take social security as they all say or imply that you should delay retirement until age 70. My advice on that, is if you need the money now, take it now if you are over 62. These soothing articles on SSA are false, because they assume the current SSA rules will apply. As someone who is retired I try to follow what is happening to current retirees here and in Europe. I believe that in 2 years, current SSA rules, Medicare benefits, Medicaid benefits are going to be turned upside down and current benefits will be reduced/curtailed in the U.S. (including myself and millions of current beneficiaries) I say this, because the European Union has decreed severe retirement/health benefits cuts to the current retiree populations in Greece, Ireland, Portugal, and soon to be spain and Portugal. They are seeing cuts as large as 20% to 30%. A movie that will happen right here in two years or less or no later than 2016. (and I am not Nostradamus)
On a personal note, retirement is difficult in other ways. To make your retirement money last, you have to know certain thins to optimize the process, or so the retirement 'experts' say. However after 10 years in retirement I am still ignorant of these facts. How long will I live?
When is the year I get really sick and need long term care? What future rate of return can I safely rely on when withdrawing my IRA amounts ( they have declined over the last 3 years)
How much more money is the federal reserve going to print, thereby driving inflation and the price of gas and food? Will the US cap the 16 trillion deficit or will they continue to add to it, thereby devaluing the dollar even more? When will we have the next big war, which seems to be on the horizon, but retirees here will take a big financial hit? I still don't know the answers to these questions for myself and it has been 10 years.
Again, If you are lucky to have a good full time job that is secure, for God's sake stay with it--this is you best bet in this unstable period in the US, which by the way, is the most unstable that I have seen in my lifetime. Well, take care, and God bless you and all of us.
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unfotunatly two ports of call were cancelled because of bad weather at sea,which was no ones fault but the itinery was left the same as if it had been a shore day,there were no films or extra entertainment put in place.
the ships theatre company were exellent as were the musicians and singers around the ship, the guest artists were suberb,but there could have been a bit more variety..eg a magician,
the cabin was large and comfortable the library was very well stocked the games room was of a high standard with a huge assortment of games
if i had to pick one member of the crew for special mention then it would be the cruise director richard who could not do enough,he was always there with a smile always with time to talk to the passengers a genuine and nice man.
the food on the ship was good, but not as good as other ships,and there did seem to be a lack of space in the bistro at meal times.
over all it was a very happy ship and with a few minor changes would be an exellent ship


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Economic Commentary
W(h)ither the Fed's Balance Sheet?
The Federal Reserve balance sheet's size and composition have changed dramatically since September 2008. Federal Reserve policymakers have expressed their support for eventually shrinking the Fed's balance sheet and returning the composition of its securities portfolio to include only U.S. Treasury issues. Through the careful study of public Federal Open Market Committee documents, this Economic Commentary concisely explains some of the FOMC's decisions concerning an appropriate sequence of policy actions.
Monetary policy over the past three years has been a nonstop stream of nimble responses to unprecedented challenges. The traditional interest rate target framework for implementing monetary policy has evolved into a "credit-easing" approach in response to the financial crisis. This new approach focuses on the mix of loans and securities the Federal Reserve holds and how the mix of these assets affects credit conditions for households and businesses.
One implication of the new approach is that the stance of monetary policy can no longer be easily summarized by a target for the federal funds rate. The Fed 's balance sheet has become a crucial tool of monetary policy. This Economic Commentary explains recent policy actions in terms of changes in the size and composition of the balance sheet and also draws out the likely sequencing of actions based on careful study of the FOMC meeting minutes. Under current policy, the Fed 's balance sheet is set to diminish slowly (wither). What path it will take going forward (whither), however, will depend on the evolution of economic and financial conditions.
Early Stages of Credit Easing
When financial turmoil first emerged in the summer of 2007, inflationary pressures were a concern, and the FOMC was reluctant to lower the fed funds rate from its then target of 5¼ percent. So the initial response was to provide credit through the Fed's traditional facility for banks, the Discount Window. But the liquidity failed to spread to nonbank financial intermediaries, and a number of new lending facilities were created to provide credit to a broader array of financial institutions and to targeted markets. In September 2007, the FOMC also began to ease its policy stance using its traditional tool, lowering the fed funds rate to 2 percent by the end of its April 2008 meeting. In March 2008, the Fed invoked Section 13 (3) of the Federal Reserve Act to allow it to provide secured credit directly to primary dealers. During the first year of the turmoil, the credit-easing policies affected the composition but not the size of the balance sheet.
This changed when Lehman Brothers filed for bankruptcy in September 2008. Additional credit channels developed to provide credit directly to the commercial paper and money-fund markets generated a surge in loans that more than doubled the size of the balance sheet within a few weeks. Some of the new loans were a direct result of support provided to systemically important institutions, such as the loan made to AIG. Other new facilities channeled liquidity to the commercial paper market and to money market mutual funds. The consequences for both the size and composition of the Fed's balance sheet were dramatic, as can be seen in figure 1.
Beyond the Zero Bound
By the time of the Lehman bankruptcy, the Fed had vastly depleted its arsenal of interest rate cuts as measures for policy stimulus. In October 2008, the FOMC lowered the fed funds rate to 1 percent. A further reduction in December essentially took the policy rate to its zero bound.
In November 2008, prior to reaching the zero bound, the Federal Reserve announced a program to purchase the direct obligations of housing-related government-sponsored enterprises (GSEs)—Fannie Mae, Freddie Mac, and the Federal Home Loan Banks—and mortgage-backed securities (MBS) backed by Fannie Mae, Freddie Mac, and Ginnie Mae. Never before had the Fed made purchases that affected the allocation of credit so directly to one sector of the economy on so large a scale.
When the program, called Large Scale Asset Purchases (LSAP), was announced, the release noted that the action was taken to reduce the cost and increase the availability of credit for the purchase of houses, which in turn should support housing markets and foster improved conditions in financial markets more generally. The announcement was associated with an immediate reduction across an array of mortgage-related interest rates. In the face of a continuing deterioration of economic and financial conditions, LSAP was expanded in March 2009. Purchase limits on agency debt and MBS were increased to a total of more than $1.4 trillion, and the Committee introduced an additional $300 billion of total purchases of long-term Treasury issues.
A byproduct of credit-easing policies has been the increase in excess reserves to more than $1 trillion from around $2 billion—their average level for much of the decade prior to the crisis. For some members of the FOMC, the unprecedented level of excess reserves poses potential risks that could undermine the Fed's credibility to maintain price stability.
Removing Policy Accommodation
Maintaining credibility will ultimately depend on removing the extraordinary policy accommodation at the right pace and time. Some of the credit policies have unwound naturally as financial conditions improved. Almost all of the special loan programs expired on February, 2010, the majority of loans have been repaid with interest, and the amount outstanding is projected to be repaid likewise. The balance sheet effect of the unwinding of lending facilities, however, has been more than offset by the security purchases. At the end of March 2010, the Fed completed its last planned purchases. Since then it has followed a policy of redeeming agency debt or MBS that have matured or been prepaid. When principal and interest payments are made, there is an equal reduction in bank reserves at the payer's bank. Thus, the balance sheet is set to wither, but very slowly.
Well before the recovery started, the FOMC had begun to prepare and develop an exit strategy for when the time came to remove the extraordinary policy accommodation. Communication, transparency, and consistent behavior will be critical elements to keep inflation expectations in check and minimize any potential risk posed by the extraordinary level of excess reserves. Discussions about the exit strategy are ongoing, but key perspectives are revealed in FOMC policy statements, published minutes of the FOMC meetings, and speeches by Committee members.
Long-Term Strategy
Published minutes of recent FOMC meetings show participants broadly support steps to reduce the size of the Fed's balance sheet over time and return the composition of its portfolio to include only Treasury securities. The guiding principle is that the FOMC should minimize the extent to which the Fed's portfolio affects the allocation of credit among private borrowers and sectors of the economy. It was only in the face of the extraordinary threat to the economy posed by the collapse in housing prices that the Committee chose to deviate from that principle.
The Committee also has expressed broad support for ultimately returning to a fed funds rate targeting procedure or something quite similar. Taken together with the long-term strategy to return to a Treasury-security-only portfolio, the balance sheet would eventually appear more similar to how it looked like prior to 2007. Its size would again be determined by the levels of currency and reserves demanded, given the targeted policy rate.
Getting to There from Here
While FOMC members share a broad consensus on the eventual size and composition of the balance sheet, Committee members differ on how quickly that configuration can be reached. The course of policy will be determined by the Committee's assessment of the sustainability of the economic recovery, financial market conditions, and the resilience of the housing sector. It is clear, however, that when economic conditions warrant a removal of policy accommodation, the Federal Reserve will have a number of new tools to choose from.
One key new tool is interest on reserves. In October 2008, the Fed announced that it would begin to pay interest on depository institutions' required and excess reserve balances, having been given authority by Congress. By raising the interest rate on excess reserves (IOER), the Fed can increase the general level of short-term interest rates. In principle, the Fed now has the ability to remove policy accommodation without reducing the size of the balance sheet or excess reserves.
When first introduced, it was expected that IOER would provide an effective floor to the fed funds rate, the rate at which banks borrow and lend reserves to each other. Banks with excess reserves have no incentive to lend at rates below the interest earned on excess reserves. Hence banks deficient in reserves, it was thought, would have to pay more than the IOER rate to get the funds. In practice, however, the fed funds market includes some lending institutions that do not earn interest on reserves, such as the GSEs, and they do not have an alternative but to lend at a market determined rate. Because of the sheer magnitude of excess reserves at depositories, few depositories need to borrow fed funds. GSEs have limited alternatives to lending in the fed funds market and thus have little bargaining power—and has led the fed funds rate to trade below the IOER floor.
Reserve Management Tools
When the credit policies were adopted, it was well understood that unwinding the policy accommodation would likely benefit from having new and enhanced tools for draining reserves. Reserve draining tools would help to further quell fear that may spread from elevated levels of excess reserves, but unlike the aforementioned IOER management tool, reserve draining tools would temporarily remove reserves from the system. To this end, the Fed has been developing tools that would allow it to drain bank reserves quickly if warranted. Reducing excess reserves would also likely improve the FOMC's control over short-term interest rates using the IOER policy tool.
One enhanced reserve management tool involves the Fed selling a security from its portfolio with an agreement to purchase it back at a specified time and price—an arrangement commonly called a reverse repurchase agreement or reverse repo. Technically the security sold remains an asset on the Fed's balance sheet and hence does not reduce the balance sheet's size. But because the arrangement absorbs bank reserves, the reverse repo also appears as a Fed liability. Reverse repos have been used by the Fed, often with a foreign official institution as the counterparty, though on a small scale. Since the fall of 2009, the New York Fed Trading Desk has implemented a number of changes that will allow for a larger scale of operations with a broader set of counterparties (see box).
Current Progress in Developing Reserve-Management Tools
The latest reports on the preparedness of the reserve draining tools show that positive steps have been taken to assure that the tools' implementation will take place smoothly when the time arrives.
Reverse repos are all but operational at this point. Small-scale operations have already taken place to make certain that the procedures and transactions are properly arranged, and those trades were successful. More recently, a broader set of counterparties is being constructed to make these investment opportunities more widely accessible. Money market funds were invited to participate in mid-March 2010 and were given their own set of eligibility requirements. Other possible inclusions may be GSEs or any other traditional sellers of funds in the money markets. Until all counterparties are added, only announced, small-scale operations are expected.
The basic principles for the Term Deposit Facility were established in a recent press release in May 2010. Deposits are to be awarded in a single-rate auction setting with maturities up to 84 days. There will be both competitive and noncompetitive auctions to ensure entry for smaller institutions. Term deposits will not be counted toward excess reserve balances but may be used as collateral at the Discount Window. Small-scale operations to test the preparedness of the facility began in June, and more may be forthcoming. These small-scale operations were largely successful and were met with very high demand.
Another reserve management tool—the Term Deposit Account (TDA)—is similar to a certificate of deposit available at one's local bank. It involves a commitment to lock up deposits for a specified period of time. Depositories could choose to hold their deposits at the Fed in a TDA and earn a higher rate. TDAs would not count toward reserve requirements, so by choosing a TDA, banks would directly reduce their level of excess reserves. Similar to the case of reverse repos, the size of the Fed's balance sheet would not be affected by an increase in TDAs.
Although the balance sheet has begun to wither slowly as agency debt and MBS mature or are prepaid, most FOMC members expect asset sales will be part of the exit strategy at some point. Sales of agency debt and MBS would hasten the return to a Treasuries-only portfolio, consistent with the FOMC's long-term strategy. Asset sales would also reduce the potential inflationary consequences of a persistently high level of excess reserves.
While the Committee has broadly agreed to eventually return to a more normal balance sheet, the wounds from the collapse in housing have been deep, and the risks from removing support too quickly are potentially great. Recent FOMC meeting minutes reveal that for the time being, Committee members agreed to redeem agency debt and MBS prepayments but to roll over all maturing Treasury securities. The FOMC has also broadly agreed that asset sales would not begin for some time. Sales would be implemented in accordance with a framework communicated in advance and be conducted initially at a gradual pace that could be adjusted in response to changes in economic and financial conditions.
However, because the Fed has developed other tools for removing policy accommodation without asset sales, the pace at which the balance sheet will return to its normal configuration will depend on the sequence of policy actions. That sequence will largely be determined by the perceptions of FOMC participants about the likely evolution of economic and financial market conditions, and on the resilience of the housing sector. The stronger the economy and the stronger the housing sector in particular, the sooner asset sales would likely commence.
Recent FOMC minutes reveal that a majority of members do not expect asset sales to begin until after the first increase in interest rates, and that would not occur for a considerable period of time. Of course, the current view on the sequence of policy actions hinges on inflation remaining well behaved and inflation expectations staying anchored. Should inflation expectations appear to be rising, asset sales could be moved forward in the sequence. A concrete path for asset sales could serve as a clear commitment to produce stable inflation and head off an inflation scare. On the other hand, the sudden resumption of financial turmoil in Europe underscores the uncertainty of any economic outlook. We cannot rule out a potential deflation scare quite yet. Nor can we be sure that the size of the balance sheet has crested.
To summarize, given the most recent policy actions, the balance sheet is on a track to decline very gradually as payments (both scheduled and prepayments) are made on the underlying mortgages held in the Fed's portfolio. At some point, however, we expect the economic recovery will gain sufficient momentum to be clearly self-sustained. In the meantime, the FOMC will monitor closely measures of inflation and inflation expectations, both for signs of rising inflation or further disinflation. If the economy accelerates and inflationary pressures emerge, one might expect the FOMC to change its post-meeting statement language to prepare markets for an anticipated increase in IOER.
It should be emphasized that any decision to initiate asset sales, and thus accelerate the decline of the balance sheet, would be implemented in accordance with a framework communicated in advance and be conducted initially at a gradual pace that could be adjusted in response to changes in economic and financial conditions.


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Enjoy summer fun inside the Holiday Inn® Minneapolis NW Elk River Hotel. Conveniently located just northwest of the Twin Cities suburban area, where the Elk and Mississippi Rivers meet, our Otsego hotel is your home for business and family fun.
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Where can you slide down three water slides, play water basketball and relax in a lazy river? One of the best hotels with water parks in Minnesota: us! Open all week in the summer and on weekends and school breaks during the school year, we're ready for your vacation any time. There's plenty of fun in town with Albertville Premium Outlets, Ellington Car Museum and Cabela's less than 10 miles away.
The hotel's location in greater Minneapolis, Minnesota means corporate clients are within 10 miles of Cabela's, Cargill, Graco, Scimed, Walmart, Target, and Great River Energy. When you need business to come to you, consider planning your event in the 5,000-sq-ft meeting space with on-site catering and the Mississippi Valley Grill and Bar.
Just as city and country flow together in Otsego, the hotel's water park and meeting rooms sees bathing suits and business suits coming together under one roof. From the underground, heated parking lot to the Gold Rush Arcade, you'll find everything at one of the best hotels in greater Minneapolis, Minnesota: our hotel in Otsego. We look forward to your visit!
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As of Thursday, March 7, 2013
© Copyright 2014 Gwinnett Daily Post
Fans Choice Female Athlete of the Week
Who: Tori Windom
School: Mill Creek
Sport: Lacrosse
Class: Senior
Highlights: Scored four goals in the Hawks' showcase win over Spain Park (Ala.)
Coach Brian Williamson's take: "Tori is hard worker, a fantastic athlete and a great player. She is one of our captains and a great leader and role model. Tori is well respected by her teammates and classmates at Mill Creek High School. Any time we have a small issue on our team, I can trust Tori to take care of the situation and smooth everything out. She is looked up to by her teammates and is very determined on the field, and she can't stand losing. She had a great weekend of playing last weekend and is at the top of most of our statistical categories."
More like this story
- FANS CHOICE FEMALE ATHLETE OF THE WEEK: Candidate Profiles ( March 3, 2013 )
- Fans Choice Male Athlete of the Week: Mill Creek's Tyler Woodrome ( April 4, 2013 )
- Windom proves to be catalyst both on and off the field for Mill Creek ( May 8, 2012 )
- FANS CHOICE FEMALE ATHLETE OF THE WEEK: Candidate Profiles ( March 2, 2014 )
- Fans Choice Female Athlete of the Week: Buford's Elexa Bahr ( May 2, 2013 )


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LOS ANGELES (CNS) - Dunkin' Donuts plans to return to California for the first time in a decade, announcing plans today to open eateries in Los Angeles, Orange, Riverside and San Diego counties beginning in 2015.
Restaurants are also planned in San Bernardino and Ventura counties. The Canton, Mass., company announced a nationwide expansion plan with a goal of reaching more than 15,000 restaurants across the United States.
A total of 291 new locations opened in the United States last year, according to the company. Dunkin' Donuts plans to open between 330 and 360 restaurants this year.
"This past year was an exciting one for Dunkin' Donuts' growth in the United States, and we are delighted to begin 2013 with the long-awaited announcement that Dunkin' Donuts will be opening restaurants in California, where there is already incredible passion for our brand," according to Nigel Travis, CEO of Dunkin' Brands and president of Dunkin' Donuts U.S. "Expansion to California has always been part of our plan to grow Dunkin' Donuts' presence
in the U.S."
Company officials said they hope to eventually open as many as 1,000 Dunkin' Donuts outlets in California. There hasn't been a Dunkin' Donuts in the state since about 2002.
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Phil and Niko are at it again! Today, the go on an exciting adventure to find the griefer on their server! Will they find him? Will this grifer be brought to justice? Find out when you click play!
Animation: Jordan Comeaux
Voices: Jordan Comeaux Captain Allen
Songs: Harder Better Faster Stronger - Richard Cheese
Somewhere in the Between (Piano) - Streetlight Manifesto
Ball and Chain - The Forces of Evil
Special thanks to everyone who supported and helped throughout this cartoon!
Like us on Facebook: http://www.facebook.com/p ages/Jordan-Comeaux/25147 4484908877
Watch on YouTube: http://www.youtube.com/wa tch?v=Y9AB3o809LQ
Rated 5 / 5 stars December 7, 2013
fred took the worst death...AN ARROW TO THE KNEE!!!
Rated 5 / 5 stars July 27, 2013
Rated 5 / 5 stars July 2, 2013
are they GAYYYYYY???????????????? or som thing
Rated 5 / 5 stars June 19, 2013
maybe it's the same Fred that's on youtube.
Rated 5 / 5 stars April 1, 2013
THAT WAS SO F**KING HILARRIOUS I EVEN LAUGHED SO BAD WHEN PHIL SAW A ENDER MAN CUZ HE WAS LIKE "oohh my goooooooooooooooooooooooooooooooooooo ooooooooooooooooooooooooooooooooooooo ooooooooooooooooooooooooooooooooooooo oooooooooooddddddddddd" AND HE PEED IN HIS BED!!!!!!!!!!!! XD


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A view up Pygmy Ridge(Summer), Cairngorms.
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Table of Contents
The menu has 3 items: , and .
brings you a new game, i.e. a new word to guess, in the same category you already are. will display the Get New Stuff dialog to allow you to download data in a new language. quits the game by closing the main window and writing the actual settings in the configuration file.
The menu allows you to choose the category of words you want to play with and also three difficulty categories.
The menu allows you to change the language the words are displayed in.
The menu proposes four themes: the , the , the and the . The background and the font colors change for each theme.
The menu allows you to configure KHangMan easily. First, , and give you the possibility to hide or show the toolbars, hints and the statusbar.
There are four toolbars: the , and toolbars which are the one on top with the buttons and combo boxes and the Special Characters toolbar which, when it is shown, is on the bottom. This toolbar has buttons with the special characters for each language: accented letters and other special characters. This allows users to easily play in another language without having to configure a new keyboard layout. You click on a special letter and it is displayed as the letter to try. Pressing Enter will make the program see if the letter is present in the word or not. The toolbar can be hidden if you don't want it. This is saved in the configuration file so if the toolbar is hidden, it will be hidden next time you run KHangMan.
It is of course possible to move the toolbars around. Put the mouse cursor on the small handle on the left of the toolbar, press themouse button and drag the toolbar to position it on the screen where you want it. If you point the mouse on one of the toolbars and press the right mouse button, a context menu appears to let you choose different options for the toolbar.
is a standard KDE setting dialog that allows you to choose different shortcut keys for different actions. For example, Ctrl+Q is the standard shortcut for .
is also a standard KDE menu item that allows you to add or suppress items from the toolbar.
Here you have KHangMan with the Desert theme, French language and category Easy. The Special Characters toolbar is shown here.
The category is chosen with a combo box in the toolbar or via the menu in the menubar. Available are , , and and some more. is related to common objects a child aged six or seven knows. regards nouns a bit more challenging, is quite difficult and is only animals nouns. There are also some other categories of words, depending on the language.
All words are nouns. No verbs, no adjectives. The chosen category is then displayed on the statusbar.
Only letters are allowed to be typed in the text box.