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Medicare Physician Payments:
Information on Spending Trends and Targets
GAO-04-751T: Published: May 5, 2004. Publicly Released: May 5, 2004.
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The Sustainable Growth Rate (SGR) system, implemented in 1998 and subsequently revised, is used to update Medicare's physician fees and moderate the growth in Medicare spending for physician services. SGR, and a predecessor system implemented in 1992, were designed to reduce physician fee updates if spending growth exceeded a specified target. Although spending growth slowed substantially under both systems, concerns about SGR arose when the system caused fees to decline by 5.4 percent in 2002. GAO was asked to discuss (1) Medicare physician spending trends both before and after the implementation of spending targets and (2) the evolution and mechanics of the SGR system. This statement is largely based on GAO's previous work on Medicare spending trends and the SGR system.
Medicare spending on physician services grew rapidly through the 1980s, at an average annual rate of 13.4 percent, even though physician fee increases were subject to some limits. The spending growth was driven by increases in the number of services provided to each beneficiary--referred to as volume--and an increase in the average complexity and costliness of those services--referred to as intensity. Recognizing that expenditure growth of this magnitude was not sustainable, the Congress attempted to impose fiscal discipline by establishing a system of spending targets for Medicare physician services along with a fee schedule beginning in 1992. Following the introduction of spending targets, volume and intensity growth slowed substantially during the 1990s. In recent years, under the SGR system, volume and intensity growth has increased, but not by the rates experienced during the 1980s before spending targets were in place. SGR, the current system of spending targets, evolved from the target system that went into effect in 1992. Under the SGR system, physician fees are adjusted up or down, depending on whether actual spending has fallen below or has exceeded the target. Fees increase at least as fast as the costs of providing physician services as long as volume and intensity growth remains below a specified rate--currently, a little more than 2 percent a year. If volume and intensity grows faster than the specified rate, SGR lowers fee increases or causes fees to fall. Physicians raised concerns about SGR when fees dropped significantly in 2002, a decline that was, in part, a correction for fees that had been set too high in prior years because of errors in forecast estimates and other data. Congressional action averted fee reductions, and projected fee reductions, for 2003 through 2005. However, beginning in 2006, fees are projected to resume falling for several years, partly to recoup the excess spending accumulated from averted cuts in previous years and partly because real per beneficiary spending on physician services is projected to grow faster than allowed under SGR. A dilemma for policymakers posed by projected fee reductions is that while SGR's automatic responses work as intended from a budgetary perspective, the consequences for physicians and their patients are uncertain.
Sep 23, 2014
Health Resources and Services Administration:Action Taken to Train and Oversee Grantee Monitoring Staff, but Certain Guidance Could Be ImprovedGAO-14-800: Published: Sep 23, 2014. Publicly Released: Sep 23, 2014.
Sep 18, 2014
VA Health Care:Actions Needed to Address Higher-Than-Expected Demand for the Family Caregiver ProgramGAO-14-675: Published: Sep 18, 2014. Publicly Released: Sep 18, 2014.
Sep 16, 2014
Health Insurance Exchanges:Coverage of Non-excepted Abortion Services by Qualified Health PlansGAO-14-742R: Published: Sep 15, 2014. Publicly Released: Sep 16, 2014.
Sep 8, 2014
Medicaid Demonstrations:HHS's Approval Process for Arkansas's Medicaid Expansion Waiver Raises Cost ConcernsGAO-14-689R: Published: Aug 8, 2014. Publicly Released: Sep 8, 2014.
Sep 2, 2014
Medicare Advantage:CMS Should Fully Develop Plans for Encounter Data and Assess Data Quality before UseGAO-14-571: Published: Jul 31, 2014. Publicly Released: Sep 2, 2014.
Aug 22, 2014
World Trade Center Health Program:Approach Used to Add Cancers to List of Covered Conditions Was Reasonable, but Could Be ImprovedGAO-14-606: Published: Jul 23, 2014. Publicly Released: Aug 22, 2014.
Aug 13, 2014
Medicare Program Integrity:Increased Oversight and Guidance Could Improve Effectiveness and Efficiency of Postpayment Claims ReviewsGAO-14-474: Published: Jul 18, 2014. Publicly Released: Aug 13, 2014.
Aug 11, 2014
Health Prevention:Cost-effective Services in Recent Peer-Reviewed Health Care LiteratureGAO-14-789R: Published: Aug 11, 2014. Publicly Released: Aug 11, 2014.
Jul 30, 2014
Healthcare.gov:Contract Planning and Oversight Practices Were Ineffective Given the Challenges and RisksGAO-14-824T: Published: Jul 31, 2014. Publicly Released: Jul 30, 2014.
Healthcare.gov:Ineffective Planning and Oversight Practices Underscore the Need for Improved Contract ManagementGAO-14-694: Published: Jul 30, 2014. Publicly Released: Jul 30, 2014.
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Last season, the lords of baseball made the bizarre and implausible decision to open the regular season in Tokyo, because I guess Cincinnati and Boston and St. Louis were all booked, and nothing screams tradition more than baseball, ramen and Camry.
We've also seen the NHL begin to play games overseas. This hockey season started in Prague and Stockholm. But half the players are from Prague and Stockholm, anyway, and not enough people in the U.S. care about hockey, so it wasn't surprising to see Gary Bettman lunge for the koruny and kronor.
But the NFL?
This is the most powerful, profitable and successful league in sports. By any measurement. Even with the current economic slide, estimates put the NFL's annual revenues in excess of $7.5 billion. Attendance for most games is at or near capacity. Multi-year television contracts total $20.4 billion.
Nineteen of 32 franchises are valued at over $1 billion, according to Forbes. The Value City of the 32 teams: the Minnesota Vikings, still full retail at $839 million.
But NFL commissioner Roger Goodell reaffirmed this week that he wants to add more regular season games in England to the schedule. The matter will be discussed at league meetings next week, along with an expanded schedule.
If you're going to become a sellout, England is a logical venue. The league still feels guilty about imposing NFL Europe on the country several years ago. Besides, Neptune hasn't come up with a significant site fee, yet.
This isn't about the product (for consecutive years, a London game has been played on a quagmire in Wembley Stadium).
This isn't about the players (some from San Diego last year said they couldn't fall asleep until 4 a.m. because of the time difference and had to get up for 8 a.m. meetings.)
This isn't about coaches or general managers, who thrive on the structure of an NFL game week during the season. And it's certainly not about a team's fans or that city's economy, given the loss of a home game from the schedule.
This is greed, pure and simple. There's nothing wrong with globalization and seeking out new revenue streams, even if in the long-term. But pursuing those things at the expense of fans, employees, local economies and the game is wrong, particularly when it's a league that isn't starved for finances or attention.
And, no: We don't want cricket, warm beer or the Arsenal-Manchester United game as compensation.
London hosted regular season games the last two years. NFL senior vice president Greg Aiello said Goodell "is sensitive to [the criticism], and that's why it's being done on an extremely limited basis."
He added: "It's trying to bring the game to new fans in an intelligent and limited way."
New Orleans coach Sean Payton used a lot of words to describe his team's experience in London last year. "Intelligent" was not one of them. The Saints "home" game against San Diego was sandwiched between three road games and a bye. The team went six weeks between games in New Orleans.
Payton criticized the travel, the playing conditions and added, "It's hard for me to say it's a great experience and a great thing for your club. … It isn't for [New Orleans]. It isn't for the local economy. It's not for anyone."
The Saints won the game. Imagine if they had lost.
There was a report in London last week that the Super Bowl could be played there soon. Aiello denied that, saying the officials sought information from the league on what it would take, but that such a move isn't on the radar.
Is he closing the door to the Super Bowl ever being moved overseas?
"Well, you never say, ''Never, ever,'" he said.
At $7.5 billion per year, maybe you should.
May 13th, 2009
3:27 pm
It's all about money. Is anybody really surprised by that?
May 13th, 2009
3:29 pm
Anybody heard of Edgar Osuna? Man the Braves are loaded with Minor League arms-
May 13th, 2009
3:40 pm
Actually, I will take the Arsenal-ManU game over an NFL game, if only for the lack of commercial interruption. Taking in an NFL game live is agony for all the official timeouts on the field–if you're watching at home, at least you can change channels to another game during the break. If the NFL would show 45 uninterrupted minutes of football, I could die a happy man.
Simply put, the NFL is too corporate and too greedy. The Super Bowl is already out of the price range of real fans, hence a championship game played in front of a tepid audience with no vested rooting interest–in fact, it'd make perfect sense to start playing the Super Bowl overseas, since the only people who can afford to attend the game have the disposable income to get to London, Berlin, Rome, etc. and back anyway.
I love the NFL, but they've been making it harder and harder for the average fan for years now, so nothing they do anymore surprises me.
May 13th, 2009
3:43 pm
Speak for yourself, I'll take a live, regular season Arsenal-Manchester United game as compensation any day. Equal trade value, we give them a regular season game, they give us a regular season game! It's not equal right now, make it more equal and maybe I'll buy into this more.
Also, for pete's sake put the game on national TV. The Saints-Chargers game last year was on regionally, why move the game all the way over there only to black it out in 95% of the country?
May 13th, 2009
3:59 pm
Well said, Jeff. It's a slap in the face to the fans and local economy. What should be a home game for one city here is instead an overseas game. A neutral site in another country. How is that not absurd? It's all about money even though, like you said, the NFL is already rolling in it.
May 13th, 2009
4:17 pm
Archie is spot on! As a frequent traveler to London the past 15 years I've had the opportunity to see several Chelsea games at glorious Stamford Bridge, additionally, the atmosphere in any pub during a "darby" (as the Brits call local rivalries) easily matches the intensity of any college or pro game I've ever been too. Warm beer? What pubs are YOU drinking at in London, Jeff?
May 13th, 2009
4:20 pm
Admittedly, the greed factor is at play here but isn't our whole economy based on the pursuit of self-interest as a noble enterprise? I'll bow to your narrative at this point and suggest the NFL is doing so as well. So what?
Isn't this all just a matter of degree?
Will I be happy if the Falcons are tagged for promo duty? No, but they can have our division foes every year and it'll be fine with me.
May 13th, 2009
4:27 pm
The Arsenal-ManU game would be awesome. Way better than Saints-Chargers or Pats-Dolphins.
May 13th, 2009
4:30 pm
I'm not following the warm beer comment Schultz. Their beer makes an absolute mockery of our beer. Its not even close.
May 13th, 2009
4:41 pm
Jeff…"Huh" makes a great point. Comments like yours fuel the fire for the term "Ugly American." The European beers are world-class and the suds in a city like Prague would absolutely level you!
May 13th, 2009
4:44 pm
lol @ yanks thinking all beer in England is "warm". Put it in a fridge, or if its cold outside drink it warm. Any british beer, especially a warm Guiness >>> your "bud".
A Manchester United vs. Arsenal match is vastly better then any NFL match that has ever been played. Last year, the Manchester United vs Arsenal match was watched by 273 million viewers worldwide. Hell, the average English Premier League match between any two given teams is watched by 79 million worldwide, not too far off from your biggest game (about 94 million for the Super Bowl). Once the average NFL game is watched by 79 million people worldwide every week, come back and talk.
May 13th, 2009
4:46 pm
PS. Cricket for us is like your baseball. Pretty boring, but its a leisurely game for gentlemen with lots of tradition and history so its still around.
May 13th, 2009
5:03 pm
I had rather watch English Soccer as well. The NFL is greedy and has limited the defense far to much with their rules protecting QBs and handcuffing DBs in pass coverage. If beer and London had not been mentioned I doubt I would be in a blog about the NFL.
CFB is moving to a NFL like game as well by changing the clock rules which really killed some great games last year.
Yes warm Guiness >> cold "Bud"
May 13th, 2009
5:25 pm
I think it is great they are expanding the sport abroad. They've got to test it out extensively, over an extended period, to find out if the players can handle it and if the fans will maintain an interest in the sport. The more global, the better. Give London a team.
May 13th, 2009
5:35 pm
Jeff, the soccer fans coming out of the woodwork may be more the result of the specific teams you mentioned. Arsenal-Man U is a game that any soccer fan would give their left kidney to see, but nobody would sacrifice any bodily organs to see Saints-Chargers. That's the equivalent of them sending us Tottenham Hotspur-Newcastle United. We're sending them crap games, it's almost a backhanded compliment to the teams involved in this game because it's enough of a compelling matchup to sell to the Brits, but it ain't exactly a matchup that NBC is clamoring to put in their primetime TV slot, you can't tell me that didn't factor in to the NFL's decision making process.
May 13th, 2009
5:36 pm
Georgia native here, ancestors served in the Civil War. I'll take English League Soccer over the NFL and English Beer over Bud. College Football however is still king.
May 13th, 2009
5:40 pm
Where are all this soccer fans coming from? U can take ur Arsenal/Manchester United/Chelsea game to Europe. I could care less about soccer. There's a reason Hockey pulls more fans than soccer here in the States. I will rather watch women volleyball than soccer. yikes
May 13th, 2009
5:40 pm
jeff, i live in england,i love the hawks,the falcons and the bulldogs but please if there is 1 thing we r good at,its beer. has for the nfl being greedy,its only the same with the soccer (as you put it)ruleing body in this country
May 13th, 2009
5:42 pm
I guess I'm just an old codger as well.
I have zero interest in seeing the NFL viable outside of the US – and even less in watching soccer in the US.
Bad move going after English beer, Jeff. I do love Newcastle & many Sam Smith's as much as Bud – Guiness, not so much other than the commercials.
May 13th, 2009
5:42 pm
The .000000001% of people who like soccer over football in this country have to use any venue they can get to promote their "sport." Don't worry Jeff, the football fans are still here.
May 13th, 2009
5:50 pm
Jeff, do you know if the NFL has a broadcast agreement with any of the British or European networks? The EPL and Champions League at least has one here, but are NFL games broadcast on a regular basis over there, or is this one game the only televised game of the season for them? I wonder if this one annual game, or 2 annual games like they're now saying, is just the NFL's attempt at building a TV market to start broadcasting over there? I don't understand the purpose of giving them one of our mediocre games each season, and not letting them watch our good games.
May 13th, 2009
5:54 pm
I'm just as surprised as you Jeff but, clearly there are more soccer fans reading the paper than you think including myself. Personally I'd prefer to have a Spanish Liga match here but I'll settle for ManU vs. Arsenal any day in an even swap for an NFL game in London. I just hope the game is in Atlanta or maybe even Athens as long as they play the game on a field without a gridiron (Sorry MLS).
This in no way detracts from my love of the NFL but the constant commercials do drive me nuts sometimes.
May 13th, 2009
5:55 pm
It sure interesting to see your xenophobia become the basis for another column, Jeff. Seems like you fear everything not made in America.
First it was a swipe at the World Baseball Classic. The best reason you could come up with was that Chipper Jones got injured. Like he's ever needed any help with that.
And now it's the NFL playing games in London. Well, Jeff, I guess this is the time to remind you that the NFL is a business enterprise. You seem to remember that fact OK when you're talking about roster changes. Funny how you forget it when it comes to scheduling.
Any business needs to grow in order to survive. If the NFL can grow its audience in England, and thence the rest the Europe, it will attract more fans and exact higher rates for its TV packages.
It's a fairly simple equation, Jeff, and it's for the overall good of the league. You do realize that the teams will get their share of any additional revenue, don't you? The only good point you make is that New Orleans, still recovering from Katrina, was a bad choice. Conceded. But those poor players will just have to suck it up. Who hasn't undergone some hardship due to their job, Jeff?
For the NFL to continue to prosper, it needs to expand its revenues. That's good the league and good for its teams. There's no room for xenophobia in the formula.
May 13th, 2009
6:00 pm
Jeff, I agree with EVERYTHING you're saying (you're getting wiser in your advancing dementia)…
… accept for the beer thing.
Okay, here it goes. Beer in England isn't room temp. Beer is stored in the basements of pubs at "cool" temps.
The thing is, the majority of American beers, such as (yech) Budweiser, Bud Light, or the passable Miller Lite or MGD, NEEDS to be consumed cold because of how lightweight those beers are.
Added to that list are the crappy "Mexican" beers like Corona.
But a good beer, like a brown like Newcastle, or anything Sam Adams makes, or even some of the varieties made in Athens, like Terrapin, these beers SHOULD NOT be consumed at the 36 to 40 degree temps needed to make crappy American beers taste good.
A beer like Newcastle needs to be "warmer" than normal American refrigerated temperatures. The actual flavors in the beer, the nuttiness for instance, come out more at "warmer" temps.
When you're talking about Guiness, it needs to be served "cool." Not cold. And even served "cool," it still tastes better the "warmer" it gets.
Next time you're in Athens, have a Guiness pulled at Gencos, who actually do it right.
Take a few sips to taste it. Then wait five minutes, give or take a minute, and try it again.
You'll find that it tastes much less bitter the "warmer" it gets.
Because beers and ales like Newcastle, or an IPA, or Guinness are REAL beers. Not some crappy bottle of pi$$ water like Bud Light.
May 13th, 2009
6:09 pm
Paul H got it right, Jeff. The soccer minority will take any chance they get to sing their praises.
I'm not sure which is worse at this point, though, the soccer fanatics or the self-proclaimed brew masters posting.
Bottom line? You are 100 percent correct. There is no reason to take the NFL to Europe, especially regular-season games. That does nothing but punish the hard-working American fans who buy season tickets to support their favorite teams. The NFL will never expand to Europe, so what is the point?
And you are also correct. If London were to say, "Hey, let's trade." There is nothing that would equal an NFL regular-season game. World Cup soccer games don't even sell out in the United States, for goodness sake – and that's with the Americans playing.
May 13th, 2009
6:35 pm
Reid, if you like pi$$ water like Bug Light, that's a personal failing in your life. Don't take it out on me.
Try and little strange (brew). You might surprise yourself.
May 13th, 2009
7:01 pm
Are we going to lose everything overseas. Luv ya Schultzie
May 13th, 2009
7:34 pm
So what if it is London? Just take it. Football is an exciting sport and let it go overseas.
So what if Cricket is played in the US. Just be open about sports. Don't ever give this excuse that Cricket is played for 5 days and land up in Augusta to watch Golf for four days. Btw, Cricket is played over 3 hours too.
May 13th, 2009
7:46 pm
Wow, Cricket is played for over 3 hours? Get me to a game!
May 13th, 2009
8:40 pm
All the comparisons with soccer are silly.
Except for one.
I'll bet you a Five Guys cheeseburger that the NFL has paid plenty of attention to the business structure of England's Premier League.
I'll bet you some Sam & Dave's BBQ that the NFL has been been doing its homework on how the Premier League has become soccer's most powerful worldwide brand, with TV revenues to match.
Once again, the NFL is a business. And a business can't afford to sit still. The NFL, like it or not, is driven by TV revenues, not gate revenues. Gate revenues are more or less fixed. TV revenues are not. There's a vast, unexploited global market out there. If the NFL can tap into it, all the clubs will benefit.
Even your local team. Losing a fixture at home is a small price to pay if it ultimately translates into tens of millions of dollars of incremental revenue.
It's so obvious even a xenophobe should be able to see it.
May 13th, 2009
8:42 pm
Wow, speak for yourself. A lot of people would love to have an Arsenal-Manchester United game in America. That would be a quick sell-out.
May 13th, 2009
8:54 pm
Why do u think Jeff. Last I checked, isnt London a predominantly Caucasian land. Its no secret thats what Goddell is about. Get real, he doesnt give a damn about the players.
May 13th, 2009
9:10 pm
Can we send Tech-Maryland overseas and get that Arsenal-Man U game? I'd accept it for an NFL game as well, although maybe not the Falcons. Maybe Arsenal-Man U can take the place of the Lions on Thanksgiving until they don't royally suck.
May 13th, 2009
9:30 pm
Billionaires are greedy? Now there's a newsflash, somebody better call CNN! I do agree with you, Jeff, that these regular season exhibition games are, in general, a disservice to all parties involved.
Besides, the folks in London may be curious about the sport but they will never care 1/1,000,000,000 about the pigskin version compared to the version that most folks in the UK consider to be true football – from which they very much get their kicks.
May 13th, 2009
10:31 pm
Get real people, especially those who live and die with their favorite team. If we've learned nothing else during our trouble times, sports (like other business) is about making money. Looking back, what if professional basketball had not continued their selling of the sport world wide. Look where a large percentage of their players now come from. Baseball is doing the same now, and the fruits are beginning to bare. Football has to sell the sport worldwide to be successful in the future, after all it is not an institution, it's a business.
May 13th, 2009
10:41 pm
You beer drinkers might as well be sipping on milk. At my house, the beverage of choice is firewater, usually nothing less than 100 proof. Three or four drinks later you realize it doesn't matter whether you're watching the NFL or Home Shopping Network, it's pretty freaking entertaining.
May 13th, 2009
11:34 pm
Seems like not too long ago the "Montreal" Expos played most of their "home" games in San Juan, Puerto Rico. Goodell is only checking out London as a possible "home" city for the Detroit Lions. If they keep losing I doubt Tokyo will take them.
May 14th, 2009
12:13 am
It seems to me the NFL is trying anything they can think of to generate more income while not caring they are hurting the image of the league and relationship with their 'core' fans. They think they are untouchable as a league and that they will always be America's #1 sport. That's what the MLB used to think too. The NFL better learn they are not the only form of entertainment available. I love football, but have no problem getting it from other sources than the NFL if they want to take this greedy sellout path they are on too far.
May 14th, 2009
12:42 am
I would watch Man Utd. vs. Arsenal especially where the Red Devils can clinch the title after beating Wigan Athletic.As to the topic of the Super Bowl going overseas.I don't think Goodell is that stupid.
And really do you think that London would give up something in equal value such as…I don't know…The FA Cup Final(An open challenge tournament involving all 92 English League teams,Football Conference and amateur reams.)
No,they'll never give the jewel of their sporting crown like we would give up the Super Bowl.
Go Falcons!
May 14th, 2009
1:02 am
Just one of the absolutely horrendous ideas spawned by Roger Goodell during his term as commissioner.
In five years he will be recognized as the worst commissioner in American pro sports. That includes the hockey guy nobody seems to like.
May 14th, 2009
1:02 am
I remember you, Ted Striker. "Firewater" is the only thing that makes you tolerable.
May 14th, 2009
1:18 am
Why not just play exhibition games in London. Do they think less people would show up?
Imagine if you lived in London and this was your one chance to see a live NFL game. Are you not going to go because the game doesn't count?
May 14th, 2009
1:46 am
I know what we like depends on where we live in a lot of cases. What we like is just an accident of birth among most other things in life. As much as soccer (footy) is a great sport it is incredible boring outside of the goals/near goals the rest of it is as exciting as watching paint dry and if you walked away from the game for 20 minutes and there was no goals…you wouldn't miss a whole lot!. Of course many outside North America don't understand the football over here and that makes perfect sense. The difference i see in Football over here compared to any other sport and i've watched them all is simple. The amount of potential things that can happen on one given play blows all other sports away. The QB has the option to throw, run or hand it off. If he passes it there is a chance it can be intercepted and turned over, it can be an incredible catch, it can be a miracle catch after somebody just got clocked with an amazing hit, there can be a touchdown, or even a turnover on a fumble. The QB can get sacked and loose ground. The running back can take the ball and make an amazing run, or be pummeld as well as loose the ball and turn it over. That it just some of the things that can happen. In soccer, well somebody can kick the ball to someone else…sure there is change of directions and there is constant movement basically and the way they move their feet is amazing but…inbetween the goals there is simply not enough potential for excitement on any given play that is possible in American Football. North American football basically came from rugby (which is also more interesting than soccer) and it improved on Rugby to make it a little bit less sloppy. I always like the soccer fans that think its all size and they aren't skilled or athletes compared to soccer players…you got to be kidding!. A lot of these guys are world class NCAA athletes and amongst the fastest and athletic people in the world and plenty were track stars and skilled at other sports.
May 14th, 2009
2:53 am
Replace Arsenal with Liverpool and we can send them a NFL game.I think that is fair compensation.Believe or not I like the NFL and EPL equally!Atlanta Falcons-Michael Vick before the dogfighting!
Arsenal-Thierry Henry before he got sent to REAL MADRID!
May 14th, 2009
3:27 am
Jeff, the Saints fans, the Chargers fans, the Giants fans, and the Fins fans that came over all seemed like they were having a great time. I don't understand why people are so concerned about having a game outside of the US, the nfl is trying to grow its global brand. Granted, I think that the game should feature northeast based teams to minimalize the travel effect. That flight wouldn't be much different than what a west coast team would have to do to play a NE team.
May 14th, 2009
3:55 am
HoneyRyder — I remember you too. Your feathered boa, the silk, the lace, my handcuffs, the mailbox in my driveway. If that wasn't enough, there's always the video I sometimes watch when your sister comes over. Don't worry that she's younger and slightly hotter than you. I'd say I like you better — if I had to choose. Love, Ted

subset: commoncrawl


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We would like to announce that on Monday, October 15, 2012, we will be performing a server update on our systems. This will affect Slitherine's server, website and shop, as well as the PBEM system for both Slitherine and Matrix Games.
Posted: Friday, October 12, 2012 by Scott Parrino
Type: Press Release
We would like to announce that on Monday, October 15, 2012, we will be performing a server update on our systems. This will affect Slitherine's server, website and shop, as well as the PBEM system for both Slitherine and Matrix Games.
( Views : 2184 )
Launched in September last year, Command: Modern Air/Naval Operations blew the minds of fans of hardcore simulations with its unparalleled attention to detail, endless flexibility, and relentless realism. Command puts players in control of a vast array of units and formations, allowing them to lead the way in dozens official and user-created scenarios. The quality of this game did not go unnoticed by the press either, as Command won several awards including; Digital Wargame of the Year (Grogheads), Wargame of the Year 2013 (Usenet), and was selected among the Top Five Wargames of 2013 (War is Boring).
Following the release of Pandora: Eclipse of Nashira, the expansion to the successful Pandora: First Contact, we are happy to announce that the Pandora series will be featured in this Deal of The Week. This week, you will be able to get a 33% discount on both Pandora: First Contact and the freshly released: Pandora: Eclipse of Nashira. If you are a fan of the 4X genre, this is a deal you cannot afford to miss!
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The world of Pandora, mankind's new hope, was already a dangerous place for the human colonists. A hostile environment where vile alien creatures roamed the land and these did not welcome the human visitor. As if all these hazards were not enough, Pandora has now become an even more dangerous place. As the sun grows dark, a new enemy species reaches the surface of this hostile world, rising up from the depths of Pandora and a new human faction joins the competition for the planet's dominance.
Patch 184.108.40.206 is now available!
The most detailed 4X title gets another major update! As of today patch 220.127.116.11 is available for download through all major channels. This update adds new customization features for ship designs and also further increases the modability of the AI, giving you more control than ever over your copy of Distant Worlds, allowing you to tailor the game to your liking. Other changes includes new AI tweaks, and weapon balances.
The mythical land of Gilrand is such a safe and quiet place that knights and paladins are drinking beers all day long in the trendiest inns of the realm. But there is no better target for the devil than a charming and peaceful place. In the darkest side of this fantasy world, subterranean legions are just waiting for one sign from their hellish leader to start a monstrous invasion. Harmonious times are over and chaos gets underway!
Celebrating the launch of the highly anticipated Battle Academy 2, we are happy to announce that this week we are giving you a great offer on the first Battle Academy! Now you will be able to grab Battle Academy for just $ 19,99. Never was there a better time to pick up the game that started this classic series!
"The enemy is at the gate. It is a question of life and death." (Andrei Zhdanov – Soviet Politician)
June 22, 1941 – German troops cross the border in Soviet-occupied Poland and break instantly the Non-Aggression pact between Germany and the USSR. This brutal and massive operation opened a huge new front in Europe. While the initial advance was fast and surprising enough to make the Germans reach the gates of Moscow, the invaders quickly had to deal with a valiant resistance from the Red Army and endure the tough weather and terrain conditions. Soon the Eastern Front became the ruthless and the bloodiest front of the whole war…


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German 290/490 - Austria: German Term in Vienna
Students will travel to Austria and spend the first week in the charming and quaint town of Salzburg. Here students will explore town landmarks and religious buildings, and learn in-depth about the historical aspects of Salzburg. Next the group will travel to Vienna for three weeks to stay with Austrian host families. Here students will continue their exposure to Austrian culture through a series of walks, activities, classes, and written reflections. Apart from getting an impression of historical, imperial Vienna, students will also get to see and know a vivid, multicultural and young Vienna - a city that represents the historical bridge between Eastern and Western Europe, a melting pot of cultures, religions, and cuisines. Through visits to several museums, students will gain a strong understanding of what times were like when the royal families inhabited Vienna and will glean important knowledge of Austria's history and musical background. Next to the glorious and dark aspects of Austria's past they will also find the vibrant contemporary Vienna of students and artists, have thorough discussions on the differences and similarities of past and present Vienna, and discover contrasts between Austria and other cultures.
Course: GERM 290/490
Location: Salzburg and Vienna, Austria
Prerequisite: GERM 101 and/or Austro-German Culture
Program Directors: Wendell Frye and Julia Schotzko
Curricular requirement: culture portion of language requirement or humanities
Cost: $4,535
Length of program: 27 days
Meals: All meals included
Prices of Off-Campus J Term programs are estimates. If there are factors that affect the final cost of a program, such as fluctuations in currency exchange rates or fuel price increases, a fee adjustment will be announced. Should there be a change in a program fee students will have two weeks from notification of that change, or until the last day of classes, (whichever is shorter) to pay.


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Don't-Miss Productivity Stories
Configure destinations for your files with Dropzone
Dropzone lets you quickly perform custom actions on files that you drag into either its menubar icon or onto its pop-out Circles.
Weekly Wrap: Mastering Mountain Lion and plenty more
Now that you and Mountain Lion have had the chance to get to know each other a bit better, the pressure's off: No more first date jitters. We're delighted you and Mac OS X 10.8 have reached this comfortable point in your relationship, so you and the big cat can curl up together, stress-free, and catch up on some of our biggest stories from the week gone by.
Apply metadata tags to files with Tagit
Tagit lets you add metadata tags to files for easy searching, either through Tagit itself or other apps that are compatible with the OpenMeta tagging standard.
Edit file information and access privileges with FileXaminer
Anyone who spends time in the Finder's Get Info window will find FileXaminer's attribute- and permissions-editing features a must-have.
Up close with Mountain Lion: Notes
The venerable Sticky Notes is still there in your Applications folder. But it's been joined by Notes, a much more capable note-taking tool. Christopher Breen checks it out.
Up close with Mountain Lion: Dictation
You've been able to dictate text to your iPhone and iPad for a while. Now that capability comes to the Mac, in the form of Mountain Lion's Dictation feature. Lex Friedman gives you a tour.
Use VisualDiffer to compare the contents of folders and files
With files, you may want to look at changes in source code, HTML code, or other data. VisualDiffer will spot these differences for you.
Up close with Mountain Lion: Reminders
Finally, OS X gets a to-do app of its own, in the form of Reminders. It's yet another feature that has migrated from iOS to the Mac. Is it good enough to manage your tasks? Lex Friedman checks it out.
Apple reminds users of coming iWork.com shutdown
Apple sent out an email on Tuesday, reminding users of iWork.com that the service will disappear for good at the end of July.
Typist helps you correct poor typing habits
Typist teaches the basics of touch-typing through a series of lessons. It also includes speed drills and two courses that teach alternative keyboards, including the Dvorak Keyboard and calculator keyboard.
Remains of the Day: Scare tactics
Apple's new category on the App Store should scare McDonald's and Starbucks, Microsoft is running scared from Apple's vision of the future, and Samsung's trying to scare off jurors.
Use Token for faster access to your iWork docs
If you frequently use Apple's iBooks Author or iWork apps (Pages, Numbers, and Keynote), Token can make your life slightly easier by giving you faster access to your documents, templates, and scripts.
Facing competition, Dropbox Pro increases storage options
Dropbox on Tuesday announced it was increasing the amount of storage available to Dropbox Pro subscribers, but without increasing subscription fees: Users of the $10-a-month 50 GB storage plan will now have 100 GB available at the same cost.
NeatCloud offers iOS-accessible cloud storage
Digital filing company Neat on Tuesday unveiled NeatCloud, a business-focused storage service that includes an app for iPhone and iPad.
Prevent accidental app closures with CommandQ
CommandQ blocks the Command-Q shortcut, displaying a bezel with a progress bar on screen. You have to keep holding the Command and Q keys until the progress bar reaches the end to quit an application.
Productivity ArticlesNext Page


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Don't fret! Check out these suggested similar and related items below. Happy shopping!
Natural Balance Peptic Soothe Gastrointestinal Tract Formula with Zinc Carnosine - 60 Vegetarian Capsules
Natural Balance Peptic Soothe Gastrointestinal Tract Formula with Zinc Carnosine is a unique blend of special ingredients formulated to soothe and provide nutritive support for healthy mucosal lining of the gastrointestinal tract.
G.I. Goodness!Follow this Lifestyle Plan for a healthier, happier tummy:
Peptic Soothe, when used in conjunction with the Lifestyle Plan outlined above, is formulated to soothe and provide nutritive support for healthy mucosal lining of the gastrointestinal tract.
Natural Balance...Their Name Is Their Promise!For over 25 years, Natural Balance has energized people's health and well being by offering specialty supplements that work. Scientifically blending select, high-quality herbs into proprietary formulas is Natural Balance's business. Helping people live healthier, more enjoyable lives is Natural Balance's passion. In 1983, Natural Balance pioneered the concept of blending natural formulations for better results. Natural Balance sold blended herbal products to health food stores nationwide and educated customers about the benefits of nutraceutical alternatives. Since then, Natural Balance has popularized some of the most widely used natural products in America - products you can rely on for purity and potency.
Natural Balance offers an unyielding commitment to quality because their customers' trust us important to them; trust is a measure of Natural Balance's success and the foundation for their growth. The Natural Balance name and logo signify a product that meets the highest industry standards. All of Natural Balance's ingredients undergo rigorous examination and uncompromising scrutiny. Strict manufacturing practices ensure that every product is produced following stringent and exact procedures in every facet of production, including blending, encapsulation, tableting and packaging.
Natural Balance represents innovative product development and a firm commitment to the principles of healthy living. As natural products play an increasing role in everyday health care, Natural Balance will continue providing the highest quality supplements formulated to reflect the latest nutritional discoveries and advances. Natural Balance products combine the virtues of ancient tradition with the capabilities of science to improve your quality of life. In this spirit, Natural Balance continues to lead the way with innovative products and an unfailing commitment to health-conscious customers worldwide.
Other Ingredients: Vegetable Cellulose Capsule, Magnesium Stearate, Silica, Magnesium Hydroxide and Tricalcium Phosphate
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Two DIFF Films Win Golden Globes
Sat Jun 16,2007
Two films from this year's Dubai International Film Festival (DIFF) were recognized at the star-studded Golden Globes Awards ceremony last night.
Babel, which closed the festival's 2006 run, was lauded as Best Motion Picture (Drama). The film had been nominated in seven categories, including Best Actress in a Supporting Role in a Motion Picture for Adrianna Barraza, who graced DIFF's red carpet during the closing night gala.
The Last King of Scotland, another DIFF offering, took home the award for Best Performance by an Actor in a Motion Picture for Forest Whittaker, who played former Ugandan dictator Idi Amin in a performance many critics felt was the best of his career.
The Golden Globes is seen within the film industry as an Academy Awards forecast, predicting in many cases which films and stars will win coveted Oscar statuettes in March.


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Archived:Missing headers for using sockets to receive SMS messages in S60 2nd and 3rd Edition SDKs (Known Issue)
From Nokia Developer Wiki
Archived: This article is archived because it is not considered relevant for third-party developers creating commercial solutions today. If you think this article is still relevant, let us know by adding the template {{ReviewForRemovalFromArchive|user=~~~~|write your reason here}}.
Issue applies to out of scope platform versions.
Article Metadata
Platform(s): S60 3rd EditionArticle
S60 3rd Edition FP2
S60 3rd Edition FP1
S60 3rd Edition (initial release)
S60 3rd Edition FP2
S60 3rd Edition FP1
S60 3rd Edition (initial release)
Created: User:Technical writer 1 (30 Nov 2006)
Last edited: hamishwillee (24 Apr 2013)
Some headers needed for using sockets for receiving SMS messages are not in the S60 2nd or 3rd Edition SDKs.
There is an update for the 2nd Edition SDKs that can be downloaded from the Symbian FAQ and Tech tips Web site. Currently there are no headers for S60 3rd Edition SDK.


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Document Actions
Leadership and Ethics Workshop / In-Service
Through lecture, class discussion and small group exercises, this 2-day course examines the ethical standards for law enforcement officers. It stresses the importance of individual awareness and responsibility for ethical conduct within the law enforcement community. A practical definition of ethics is provided along with a discussion of the various influences on individual decisions that law enforcement officers make on and off the job. A general review of current day happenings is provided along with the importance of early intervention when warning signs are detected.
Who Should Attend
Qualified applicants must be full-time, sworn law enforcement peace officers.
This training is open to full time, sworn law enforcement officers (especially first line officers and supervisors including patrol officers, detectives, and narcotics officers and their supervisors). State, local, campus and tribal law enforcement personnel are encouraged to attend.
TUITION-FREE Attendees are responsible for all travel, lodging and meal expenses.
Registration Information
If you prefer to go directly to the registration database, or if you already have an account and password, go to https://registration.fletc.gov.
Additional Information
Call 1-800-743-5382 or E-mail us at firstname.lastname@example.com and reference the name of the program.
Training Dates
There are currently no training dates or other items within this program.


text: Provides comfort for play and sleep time. The added feature of the music book allows you to pick a page and play from the selection of lullabies and rhymes to entertain baby. High quality sound and simple control settings. Cradle also includes an easy to adjust gentle vibration function to gently soothe. Apollo cradle also includes a removable toy arch, as well as a head hugger and padded safety harness providing additional support and safety for newborns. Suitable from: birth to 6 months approx. (Max weight 9kg approx.) Softly padded seat cover can be removed for machine washing at 40°. Requires: 3 x C batteries (not included). H 44, W 50, D 73 cm approx. Weight: 3kg.Colour: Multi.


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- Cast: Sylvester Stallone, Arnold Schwarzenegger, Jim Caviezel, Vincent D'Onofrio, 50 Cent, Sam Neill, Vinnie Jones, Amy Ryan, Caitriona Balfe, Faran Tahir, Matt Gerald, Jeff Chase, Steven Krueger, Lydia Hull, Aaron Saxton, Alec Rayme, James Rawlings, John L. Armijo, Jaylen Moore, Rex Baker, Brian Oerly, Jay Amor, Benjamin Wood, David Joseph Martinez, Tim Bell, Ken Massey, Jon Arthur, Stephen Warren, Russell M. Haeuser, Stephen Livaudais, Skipper Landry, Jeffery Nowell, John R Mangus, Joseph Uzzell, Rob Fuller
- Director: Mikael Håfström
- Writers: Miles Chapman, Jason Keller
- Producers: Robbie Brenner, Mark Canton, Randall Emmett, George Furla, Kevin King Templeton
- Co Producer: Brandon Grimes
- Associate Producers: Jonathan Abrams, Jeremy Bell
- Executive Producers: Brandt Andersen, Alexander Boies, Remington Chase, Maya Fukuzawa, Stepan Martirosyan, Jeff Rice, Zack Schiller, Spencer Silna, Nicolas Stern, Mark Stewart
- Art Directions: James A. Gelarden, David Lazan
- Castings: Anne McCarthy, Kellie Gesell
- Costume Design: Lizz Wolf
- D.O.P.: Brendan Galvin
- Editor: Elliot Greenberg
- Makeup: Scott H. Eddo
- Music: Alex Heffes
- Production Design: Barry Chusid
- Set Decoration: Bradford Johnson
Ray Breslin, the world's foremost authority on structural security, agrees to take on one last job: breaking out of an ultra-secret, high-tech facility called "The Tomb." But when he is wrongly imprisoned, he must recruit fellow inmate Emil Rottmayer to help devise a daring, nearly impossible plan to escape from the most protected and fortified prison ever built.
Basic Information
- Aspect Ratio: 2.35:1
- Filming Locations: Los Angeles, USA; New Orleans, USA
- MPAA Warning: Violence and language throughout
- Production Budget: $70 million
- Production Companies: EFF, Emmett/Furla Films, Summit Entertainment, Envision Entertainment Corporation, Atmosphere Entertainment MM, Boies/Schiller Film Group, Spiderwood Productions, Grosvenor Park Media, Swift Street Productions
- Production Schedule: 16 April 2012 - 23 June 2012
Featured Articles
2013 Guide Analysis: "While "The Last Stand" may be Arnold Schwarzenegger's first post-Governor film project, this action thriller was originally slated to have that honor and is certainly the more interesting sounding film. Swedish filmmaker Mikael Håfström helms this $70 million New Orleans-shot project which looks to be an expensive gamble for Summit Entertainment in the wake of the box-office fizzle of 'Stand'.
Stallone plays Ray Breslin, a well-regarded structural engineer who has designed numerous high-tech buildings. Wrongly convicted of a crime, he is sent to serve out his sentence in an escape-proof maximum security prison of his own design. He now faces the challenge of breaking out with the help of his cell mate, the complicated Emil Rottmayer (Schwarzenegger).
Adding some flavour to proceedings are Jim Caviezel as the ruthless warden, Vincent D'Onofrio as the prison's deputy director, Vinnie Jones as a corrupt guard, Curtis '50 Cent' Jackson as a cybercriminal who plans to escape with the other two, Sam Neill as the prison's sympathetic doctor, and Amy Ryan as Stallone's business partner and potential love interest.
Though Schwarzenegger cameoed with Sly in his "The Expendables" movies, this marks the first time the pair have actually taken leading roles together in a film. They have been discussing the idea of teaming as far back as the mid-1980s, but their schedules never matched up. This film has also attracted the interest of another friend of theirs, Bruce Willis, who was originally attached in Stallone's role when Antoine Fuqua was slated to direct. Sounds like a big ol' macho good time."


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Frequently Asked Questions
By whom is Whitworth University accredited?
How do I find out if my former schools accrediting body is accepted by Whitworth University?
If your school's accrediting body is not listed above, please contact the Registrar's Office to see about alternatives available to you.
How do I find out who my former school(s) is accredited by?
Contact your school's Registrar's Office
If my school's accrediting body is not accepted by Whitworth, do I still need to provide official transcripts?
If you did not receive federal financial aid, and if your former school is not accredited by an institution recognized by Whitworth, Whitworth will not require official transcripts from that school. Please note that no transfer credit will be recognized from that institution, nor will Whitworth accept any prerequisite coursework completed at that school.
Will you accept college credits I earned while attending high school?
Whitworth University may accept college credits earned prior to high school graduation if they were earned at, or transcripted by, a regionally accredited college or university. The courses and grades must appear on the institution's official transcript. An official college transcript will be required for evaluation.
Coming, Going & Returning Policy
Official Transcript Policy
Transcripts are legal documents that cannot be copied or returned once they are received by Whitworth University.


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The Connecticut Department of Transportation and Metro-North Railroad released the following information regarding service on the New Haven commuter rail line, in the wake of the May 17 derailment in Bridgeport. The service plan requires buses in some locations. Customers should understand that their commuting times will be considerably longer in many cases.
The following is effective Monday, May 20, and until further notice.
AM Peak to Grand Central
AM & PM Reverse Peak/Off-Peak Service
PM Peak to New Haven
Regular train service will operate on the New Canaan, Danbury and Waterbury Branches.
For train schedule information, please refer to the schedules page at www.mta.info or the Connecticut DOT website, http://www.ct.gov/dot.
Customers should know before they go:
KMSP-TV11358 Viking DriveEden Prairie, MN 55344
Phone: (952) 944-9999Fax: (952) 942-0455


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Winds: Calm
There was no practical way to estimate the large mass of people attending the 2014 Senoia Social held July 5. The large stage was set up on the south side of Main Street again this year to accommodate the bands that played all afternoon and into the evening. The Senoia Social is a fundraiser for Camp Southern Ground. Photo/Ben Nelms.
By BONNIE HESTERIntern for The CitizenOn Thursday, June 19, the Southern Conservation Trust (SCT) held their fourth annual "Farm to Table" event at Minter's Farm, located off Ga. Highway 92 South in Inman. The event consisted of a dinner prepared for guests by local chefs from only fresh and locally grown produce.The food was so fresh, in fact, that much of it had been harvested within 24 to 48 hours prior to the event, according to SCT member Meredith Martin. Read More»
Fayetteville Main Street, along with The Citizen Newspaper is proud to present another Lunch on the Lawn event. On Friday, May 30, come be a part of this great lunchtime affair on the historic courthouse lawn that includes great entertainment and an opportunity for local employees and residents to get outside on their lunch break and enjoy the beautiful weather and music. Read More»
Members of the Sharpsburg Country Western Line Dance Show Team really put on a show at the annual Taste of Fayette community event held May 18 in downtown Fayetteville. Photo/Ben Nelms.
The Senoia Optimist Club always knows how to put on an event. Three hundred diners attended the 5th Annual Taste of Senoia held under the trees April 27 at the Veranda Historic Bed and Breakfast Inn. Photo/Ben Nelms.
With more than 45 local restaurants and vendors to sample, the annual Taste of Newnan event in downtown drew a big crowd as usual Thursday. It was a great chance for many local to enjoy the fair spring weather and catch up with neighbors. Photo/Sandy Zimmerman.
He wasn't in the pancake eating competition, but Thomas Keohane came to McIntosh High School ready to put away the flapjacks Saturday morning at the annual Kiwanis Pancake Breakfast. Participants got all you can eat pancakes and sausage along with entertainment including the pancake eating contest, face painting and a fire truck on display. Photo/John Munford.
January 2014 Fayette Woman Cover Lady Maggie Laton (center) chats with Pinewood Atlanta Vice President of Operations Brian Cooper (R) at the Pinewood Gala Saturday night in a soundstage on the Fayetteville studio site. Photo/Ben Nelms.
There was plenty to eat, and then some, at the annual Taste of Fayette event hosted Sunday by the city of Fayetteville around the Lane Brown Memorial Gazebo downtown. The event was rescheduled from earlier this year when a severe thunderstorm scattered the crowd after descending on downtown Fayetteville. The Finest Taste award went to Broadway Diner, while the Finest Treat award went to Rosa's Home Cooking and the Most Amazing Booth award went to TCBY. Photo/John Munford.
An unprecedented number of visitors to Senoia flooded into the downtown area June 15 for the first of what is expected to be the annual Senoia Social, a day of live music to benefit Camp Southern Ground for disabled children. A project of Grammy award-winning artist Zac Brown, the fundraiser featured a host of bands on Brown's record label. The camp is located in central Fayette and serves specials needs children. Photo/Ben Nelms.


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DOH Service Telephone Directory
Select directory to view the telephones number of the various DOH services.
Hepatitis Service Locations
Columbia Road Health Center
1660 Columbia Road, NW
Washington, DC 20009
Telephone: (202) 328-3717
Ward: 1
Hepatitis B and C testing available to patients.
Call for information regarding becoming a patient.
Fees based on a sliding scale with proof of income
DC Express Free
Immunization Clinics
For uninsured and underinsured District of Columbia residents.
Proof of residency required (e.g., driver's license, non-driver's license ID, current utility bill, copy of lease, etc).
No appointment necessary. Please bring immunization records. Call (202) 576-7130 for more information.
Congress Heights
Community Health Center
3720 Martin Luther King Junior Ave., SE -3rd Floor
2nd and 4th Tuesday of each month
District of Columbia Developing Families Center
801 17th Street, NE
2nd and 4th Tuesday of each month
4:30 pm – 7:30 pm
Israel Baptist Church
1251 Saratoga Avenue, NE
1st Wednesday of each month
4:30 pm – 7:30 pm
3rd Saturday of each month
12:00 pm – 3:00 pm
Reeves Center
(Corner of 14th and U Streets)
2000 14th Street, NW
Thursdays 4:30 pm – 7:30 pm
Department of Health Immunization Program
6323 Georgia Avenue, NW, Suite 305
Monday – Tuesday 10:00 am – 2:00 pm
Family and Medical
Counseling Services
2041 Martin Luther King, Jr., Ave., SE
Washington, DC 20020
Telephone: (202) 889-7900
Ward: 7
|Hepatitis A, B, and C testing offered for HIV offered HIV-positive patients. Accepts both insured and uninsured patients, possible sliding scale.
La Clinica del Pueblo
2831 15th Street, NW
Washington, DC 20009
Telephone: (202) 462-4788
Ward 1
|Free Hepatitis B and C Testing available to current patients.
So Others Might Eat (SOME)
Medical Clinic
60 O Street, NW
Washington, DC 20001
Telephone: (202) 797-8806
Ward: 1
|Offers Hepatitis B and C testing to current patients who are uninsured or have Medicaid, Medicare, Health Care Alliance, or Chartered Health. Fees based on a sliding scale.
Whitman-Walker Clinic
(Elizabeth Taylor Medical Clinic)
1701 14th Street, NW
Washington, DC 20009
Telephone: (202) 745-6120
Ward: 2
|Hepatitis B and C testing available to current patients with a doctor's order. Fees based on a sliding scale. Call for more information.
Related Links
Printable Directory of Hepatitis Resources in the District of Columbia [PDF]
Contact Phone:
(202) 671-4900
Contact TTY:


text:
|Click on images for full-sized view
Only 1 Left In Stock! Buy Now!
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RCA rcr461
- New - Open Box 1 Left
• Original manufacturer condition
• Includes accessories
• Manufacturer warranty
- New - Open Box products are in original manufacturer condition, include accessories, and carry the manufacturer warranty.
- Manuals and software might not be included, but can usually be downloaded from the manufacturer.
- These items can be in the original manufacturer box or repackaged for protection during shipping.
The RCA RCR461 Universal Navlight Remote Control is designed for VCR, DVD Player, TV, Satellite Receiver, Cable Box. With 4 number of controllable devices.
|Model number
|Product Name
RCA RCR461 Universal Remote Control
|Product Type
Universal Remote Control
|Number of Controllable Devices
VCR, DVD Player, TV, Satellite Receiver, Cable Box
Manufacturer Warranty. For defective returns, Tech For Less will give you a full refund and will arrange for and pay all shipping costs.
User Reviews
The Tech For Less Promise:
Join the over 1 million satisfied customers we've been serving since 2001. We inspect and test all of our products to ensure it meets the manufacturer quality standards. We have a 30 Day Return Policy and every product has the Manufacturer Warranty against defects. If there does happen to be an issue, we will work with you to make it right!
Contact Us
1610 Garden of the Gods Rd.
Colorado Springs, CO 80907
Sales: 1.866.880.1230
Operating Hours
Monday — Friday
Outlet Store:
9:00am to 6:00pm MT
Phone Inquiries:
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Customer Service Request Form
Claudia M. - Sep 16th 2014


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46 U.S. Code § 41306 - Injunctive relief sought by complainants
(a) In General.— After filing a complaint with the Federal Maritime Commission under section 41301 of this title, the complainant may bring a civil action in a district court of the United States to enjoin conduct in violation of this part.
(b) Venue.— The action must be brought in the judicial district in which—
(1) the Commission has brought a civil action against the defendant under section 41307 (a) of this title; or
(c) Remedies by Court.— After notice to the defendant, and a showing that the standards for granting injunctive relief by courts of equity are met, the court may grant a temporary restraining order or preliminary injunction for a period not to exceed 10 days after the Commission has issued an order disposing of the complaint.
Source(Pub. L. 109–304, § 7,Oct. 6, 2006, 120 Stat. 1546.)
|Revised Section
|Source (U.S. Code)
|Source (Statutes at Large)
|46 App.:1710(h)(2).
|Pub. L. 98–237, § 11(h)(2), Mar. 20, 1984, 98 Stat. 81.
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
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Accidental poisoning remains a leading cause of death in kids…that's why every family needs one of these smart, child-proof medicine safes! Keeps tempting pills and vitamins locked away (because many pills look like candy to children). No keys to lose; it features a patented squeeze-and-turn lock. Includes removable tray and magnifier. 9"L x 7"W x 5"H.For more information, click here.
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Secure Transitions Inflatable Baby Tub
Sliding Cabinet Lock
More Colors Available
Ulti-Mat Bath Mat
© 2014 One Step Ahead


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The Truth About College Rankings
Are rankings a legitimate tool for assessing colleges or do they simply reflect a savvy marketing idea without any statistically valid content behind it? Peterson's categorically dismisses rankings as "good press – but that's all." U.S. News and World Report counters that the rankings are a good way to "weigh the relative academic strengths and weaknesses of the schools that you're considering." Whether you are a fan of the U.S. News rankings or not, there are several things you should think about before making any big decisions about college based on information from lists of ranked schools.
#1. The rankings process may appear rigorous, but it is largely subjective.
Princeton Review gets its information from student surveys. U.S. News relies on both institutionally reported data and subjective information, the latter being used to address factors such as school reputation. U.S. News gives certain criteria more weight than others when it calculates overall rank, a process that continues to be challenged from year to year. Should certain qualities be more emphasized, and if so, how should this be determined? Or should the various areas in which schools are ranked remain separate rather than being blended according to some magical formula to determine an overall ranking? Some schools make all the individual factors available on their web site, so that you can assess each component by itself.
#2. Rankings categories do not always measure what you might think.
Because of the pressure to score high in the rankings, some schools change programs or policies in a way that may make them fare better in the rankings, but may not benefit their students. Others may even go so far as to misrepresent information. Even seemingly clear-cut criteria like faculty-to-student ratio are in fact difficult to define: who's included as "faculty"? Full-time professors, adjunct faculty who may only be at a school for a semester, campus staff… the options are practically endless.
#3. The underlying data for some schools may be outdated and incomplete, if not missing altogether.
Certain schools have boycotted the U.S. News rankings and refused to submit data. As a result, they have dropped from the top ranks. However, this drop reflects a political decision rather than a drop in educational quality.
#4. There is a difference between what is measured and what really matters.
Are the criteria that are ranked the ones that tell you what you want to know? How do you statistically evaluate student experience, enjoyment, or learning? Or how well professors teach their subjects? A list of schools can never convey the nuanced information and impressions that will confirm whether or not a school is a good match for you.
In conclusion, it is important to maintain a broad perspective, making rankings only one consideration, if that. Also, remember that much of the most important information cannot be found from rankings, and usually a campus visit or informational interview – or even visiting the school's website – will tell you a lot more.


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Details for Merida Matts Tfs 500 D Se
Merida Matts Tfs 500 D Se:
- Speeds:30
- Frame:Matts TFS Pro-D-Single
- Color:White/Blue
- Fork:Rock Shox Recon Silver Soloair 120
- Derailleur front:Shimano SLX 10 low 31.8
- Derailleur rear:Shimano XT-10
- Shifters:Shimano SLX rapidfire
- Brake levers:attached
- Brakes:Shimano M445 180/160 mm
- Chainwheel:Shimano M552-10 42-32-24
- BB-Set:attached
- Chain:Shimano CN-HG74-10
- Hubs:Shimano M435 centerlock
- Rims:Matts Pro D
- Freewheel:Shimano CS-HG81-10 11-36
- Spokes:Black stainless
- Tires:Merida Race Lite 2.1
- Handlebar:FSA XC 282L OS R18 660
- Stem:FSA OS-190 6°
- Headset:M10 Neck
- Seatpost:FSA SL280 SB25 31.6
- Saddle:X-Mission Side-3
- Pedals:XC Alloy
Product weight: 12.00 Kg.
EAN retail barcodes:
Item model number: Matts Tfs 500 d se|White|16
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Enchanted Spice Inc.; For All your Banner and Graphic Needs....Anything from Gifs to Story Banners.
Shops I love To Visit
Nikki's Banner and Graphics Depot
Views: 12505
For: With You x
For With You x:
ForSofia Nettleton:I'll finish them all soon
I love them :D
You are Absolutely no bother i love doing these things :)
I'm just sorry I take so long sometimes
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When we interviewed a cat with a grumpy face back in September of last year -- we never imagined back then that we were in the presence of a future international superstar known as Grumpy Cat.
You know a picture is worth a thousand words, but in the case of this little cat from Arizona, her picture proved to be worth thousands of dollars. Maybe millions.
We caught up with her recently as she was being interviewed by the international press, to find out if Grumpy Cat's success has gone to her grumpy little head.
You would never know it by looking at her face, but life is very, very good for Grumpy Cat these days.
Everywhere she goes people gather round to take a picture with her. She caused a frenzy at the FOX 10 Studios.
The cat with a perma-frown seems to bring an instant-smile to everyone's face.
International journalist Jeff Maysh sums it up perfectly.
"I think everyone relates to Grumpy Cat because she's just got that face that everyone can relate to. Who hasn't woke up and felt like Grumpy Cat looks?" says Maysh.
Maysh was in Arizona following Grumpy Cat for the day for a feature in a top Australian magazine.
"When the editor of New Idea first saw Grumpy Cat on the television, she said you've got to get her in the magazine. So we were sent rather a long way here to Phoenix to track her down and get that exclusive Australian interview."
Sounds insane? Traveling 7,785 miles to interview a cat? It is, especially when you consider how it all began for this sourpuss.
It started with that grumpy face on reddit.com 8 months ago and from there things have gone big -- the cover of People magazine -- and there's much more in store for Grumpy Cat.
"She's a cover girl, I never would have imagined it," says Tabby Bundesen, Grumpy Cat's owner.
It began with this snapshot taken by Tabby's brother, posted online.
"My brother Brian is the one that put it up and he had no idea, he just knew that Reddit likes cats. He woke up the next morning and he was like, Tabby that picture had 27,000 uploads."
And that was just the beginning. 27,000 became tens of millions. Grumpy Cat memes took over the internet.
"I had fun once it was horrible."
"They stole my poop again."
The grouchy words matched this grumpy face.
"I'm glad that I'm on TV now the nation knows that I hate them."
Like this one from a screen shot after Grumpy's first appearance on FOX 10 back in September. Tabby realized she had something big in this little cat.
"She is trademarked for photos and the name and I feel like the memes and stuff are free advertisement. If people can portray their mood through her photos, by all means go ahead," says Tabby.
"The way you pet me sucks."
Memes turned into appearances, like the South by Southwest concert, where Grumpy Cat stole the show.
"Grumpy Cat was only there for an hour at a time. She did two hours a day and she just laid in her bed, nobody was allowed to touch her. They could just come in and lean in for a picture. People were lined up for 10 blocks in the rain. They stood there for three hours in the rain. Waiting to get their picture with Grumpy Cat."
That landed a People magazine cover, a stint on the Frisky's cat food website and her own YouTube channel with 20 million views. And now a book and stuffed animal in time for the holidays.
"Her book it's called Grumpy Cat, A Grumpy Book. It has tips on being grumpy. It's available for presale on amazon.com."
"Everyone knows Grumpy Cat around the world and when you tell someone that you've got the big interview and its Grumpy Cat, there's a lot of excitement," says Maysh.
And now international press.
"I've interviewed so many celebrities, this is one of the few times I've been star struck. Seeing Grumpy Cat in the flesh. It was quite an experience."
Kari: "Can you really say in the flesh for a cat?"
"I think so, in the fur?" says Maysh.
"She's just a sweet little cat and we're not doing anything to try to exploit her. The world loves her and passes her picture around," says Tabby.
Will Grumpy Cat make Tabby a millionaire? It's too early to tell. But famous or not, this is one beloved cat.
Though you'd never know it by looking at Grumpy's face
Meme: "If you're happy and you know it... Keep it to yourself."
"Life's great, we're all lucky to be here," says Tabby.
TV show? Movie? It's crossed Tabby's mind. She thinks it could become reality as the fascination with the little grouchy-faced feline grows. We will keep you posted.
Related stories
Online: grumpycats.com
KSAZ-TV & KUTP511 W. Adams St.Phoenix, AZ 85003Phone: (602) 257-1234Fax: (602) 262-0177


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Majic 99.3 and 104.5
500 - 1,000 downloadsAdd this app to your lists
Tweets por @AppsZoom
+ By OrionsWave, LLC
Majic 99.3 and 104.5 is your local radio station in Northwest Pennsylvania that plays it all. Majic is better than your iPod on Shuffle. You'll have exclusive chances to win prizes for those who listen to Majic via our app on online stream. Other benefits of this app are, the latest concert information, weather alerts, closings, and cancellations, artist information, news and more. Now you can carry your favorite local radio station in your pocket everywhere you go!
Tags: joe.de, application majic 99.3.
Tags: joe.de, application majic 99.3.
Comments and ratings for Majic 99.3 and 104.5
(43 stars)
I love Majic 104.5, so I expected better of their app than just a "click to play" button that rarely even does anything. Honestly, if anyone from the station is reading this, you should demand a refund from the scripters, because they obviously don't
(43 stars)


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Handing Car over went smoothly and check in very efficient.
Accessible cabin had a very heavy door and the security lighting strip made it difficult to get through door. We requested a wedge to keep door open while going through door, this was refused by cabin steward and Pursers office.
After an excellent Dinner and a good show in the theatre we went to bed, and then our phone rang and I was asked if I had an emergency. this happened twice before we realised that there was an unlabeled alarm switch on headboard under my pillows. After initially refusing to sort till morning, the senior housekeeper arrived and after we insisted the bed was moved, there was still a light switch which I kept knocking on and off.During this time I asked for a door wedge and this was made for us during night!!!!
This was the only hitch on the whole cruise. Food excellent, very clean ship and brilliant entertainment.
Tendering with wheelchair was handled very well, and plenty of help on gangway in ports.
Beautiful ship with good disabled access especially the toilets in the public areas. (the most we have seen on any ship) Wonderful stress free Cruise


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Some extermination business owners say they've been flooded with calls ever since Superstorm Sandy.
The rats are feasting on trash, stealing slices of pizza, and scurrying through the streets. Rats were easy to spot near the Hamilton-Madison housing complex in Manhattan's Lower East Side.
Eddie Marco, an exterminator, believes when the superstorm rolled in last October it may have flushed out the vermin.
It is unclear if the Sandy is the only reason. A recent survey of 311 shows rodent complaints are up in several neighborhoods impacted by the storm. The Lower East Side had the most calls this fall and winter with 121, an increase of 21 percent from the previous year.
The report shows increases in Lower Manhattan, West Village, Greenpoint, Coney Island, Carroll Gardens, and Red Hook.
Councilwoman Jessica Lappin wants the city to hire more pest-control officers to catch and kill the rodents. Council Speaker Christine Quinn supports Lappin's plan.
But the Health Department said that overall rat complaints are down in the five boroughs.
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- Cast: Kevin Hart, David Terrell, Justine Herron, David Jason Perez, Michelle Alvarado, Na'im Lynn, Joey Wells, Harry Ratchford, Tonya George, Dwayne Brown, Nate Smith, William Horton
- Director: Tim Story
- Writers: Kevin Hart, Harry Ratchford, Joey Wells
- Producers: Jeff Clanagan, Blake W. Morrison
- Executive Producers: Michael Goldfine, Kevin Hart
- Art Direction: Larry Weimer
- Editor: Spencer Averick
- Production Design: Bruce Ryan
"Kevin Hart: Let Me Explain" captures the laughter, energy and mayhem from Hart's 2012 concert tour, which spanned 10 countries and 80 cities, and generated over $32 million in ticket sales. Hart's "Let Me Explain" tour was one of the most successful comedy tours of all time, with more than 540,000 tickets sold. Both of his shows at New York's Madison Square Garden and his performance at London's O2 Arena sold out, as well as his appearances in Canada, Norway, Sweden, Denmark and Amsterdam. The tour concluded this past New Year's Eve in Los Angeles by selling out the Staples Center and grossing over $1 million in revenue in one night. Only five other comedians – Andrew Dice Clay, Dane Cook, Chris Rock, Russell Peters and Eddie Murphy – have sold out Madison Square Garden where Kevin Hart: Let Me Explain was filmed.
Basic Information
- Aspect Ratio: 1.85:1
- Filming Locations: Amsterdam, Denmark; London, UK; New York City, USA; Stockholm, Sweden
- Production Companies: Codeblack Entertainment, Hartbeat Productions


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In 2008 the Art Academy established its own student chapter of AIGA, which is open to students in the graphic design, illustration and digital design majors. AIGA campus chapters are designed to get students involved in the local design community, and help them build skills that will be valuable as they move into the professional world.
The Art Academy supports student membership in AIGA Cincinnati by paying for a portion of each student's membership fees.
Learn more about the student groups and programs by visiting:
OTR Chamber.com - a development website for Businesses in the Over The Rhine neighborhood.
New York Studio Residency Program
The Art Academy of Cincinnati as a charter member of AICAD, actively participates in the consortium's New York Studio Residency Program. Each year, two Art Academy students head to New York City for a semester. The students earn 15 credits, get plenty of studio time, and immerse themselves in one of the world's largest and most vibrant art communities.
Students apply to participate during their sophomore year, and AAC's full-time faculty evaluate the applications and choose the recipient(s) of this honor. The semester in New York takes place during the third year.
Only 2 students may attend during an academic year. (AICAD restrictions)
Application requirements:
Letter of Application to Fine Art and Communication Art Chairs
Jury by studio faculty
GPA- 3.0 or greater cumulative average
Interview with Student Counselor- Dabby Blatt
Interview with Financial Aid - Kris Olberding
Interview with Registrar- Sue Hutchens
Interview with Advisor
Students pay AAC tuition.
NEW YORK STUDIO RESIDENCY PROGRAM Website


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By Topic
By Date
CITP State Society Outreach - 2009 Results
We are expanding a communication pathway between the AICPA's CITP Committee and Information Technology Committees at the state level and inform the professional community further about the Certified Information Technology Professional (CITP) Credential.
Published on May 09, 2013
IMTA Section News & Publications
The IMTA Section publications deliver news and information on current and emerging technology, compliance and privacy developments.
Published on September 23, 2014


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Click here to read the latest issue
Browse Sections:
Weather Cams:
Cape Canaveral
Treasure Coast
Courtesy of JoesDiscoWeatherCentral.com
Now browsing: Hometown News > Columnist Archives > Business - Cheri Lee
It's not always easy to save enough money for retirement. But some recently enacted legislation might help.
As its name implies, the Pension Protection Act of 2006 was designed to strengthen the private pension system, which currently covers more than 44 million workers and retirees.
Under the new laws, companies that maintain traditional "defined benefit" plans (which pay retirees a specific amount of money based on salary history and years of service) will face tighter plan-funding rules.
But even if you don't participate in a defined benefit plan, you may well benefit from other parts of the Pension Protection Act. Here are a few to consider:
No reductions in retirement plan contribution limits.
In the past few years, the contribution limits have increased for IRAs and for 401(k), 403(b) and 457 plans, and "catch-up" contributions were allowed for anyone 50 or older. These provisions were scheduled to be rolled back after 2010; however, due to the Pension Protection Act, the increases are now permanent. (The traditional and Roth IRA contribution limit for 2006 and 2007 is $4,000. If you are age 50 or older, you can also make a "catch-up" contribution of up to $1,000. The salary deferral contribution limit to a 401(k), 403(b) and 457 plan for 2006 is $15,000. If you are 50 or older, you can make a "catch-up" contribution of up to $5,000. In 2007 and beyond, contribution limits will be indexed for inflation.
Traditional and Roth IRA direct distribution donations to charities.
Effective in 2006-07, if you meet certain conditions, you may move up to $100,000 per year directly from a traditional or Roth IRA to qualifying charities without having the withdrawal counted as income for the year.
Rollovers by non-spouse beneficiaries.
Starting in 2007, if you have been named a beneficiary of a 401(k) or other qualified retirement plan, you will be able to directly roll over your distribution into a new IRA that you've established (an "inherited" IRA).
Previously, this option was reserved for surviving spouses, who could roll over qualified plan assets into their own IRAs. This change could be a big advantage to you. Instead of having to cash out a 401(k) or other retirement plan, and incur a big tax hit, you can now roll over the value of the retirement plan into an IRA and just take the "required minimum distribution" every year, based on your own life expectancy. (To get the full benefits of stretching out withdrawals, see your tax advisor before taking action.)
Tax refunds to IRAs.
Under the new laws, you can now have the IRS deposit your tax refund directly into an IRA as a contribution. In fact, you can split the refunds and deposit them in as many as three different accounts.
Permanent tax benefits for section 529 plans.
If you establish a section 529 plan to help pay for your child's or grandchild's college tuition, withdrawals from the plan will be free from federal income taxes, provided the money is used for education. This tax benefit was scheduled to expire at the end of 2010, but it is now permanent. Please note that contributions are tax-deductible in certain states for residents who participate in their own state's plan.
All in all, the Pension Protection Act of 2006 seems to contain something for everyone.
To see how you can gain the maximum benefits from the new tax laws, consult with your financial professional and tax advisor.
Cheri Lee is an investment representative with Edward Jones. Contact her at (561) 776-8988.
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Kernel rootkits and countermeasures
The Spy Within
Rootkits allow attackers to take complete control of a computer. We describe the tricks intruders use to gain access to the Linux kernel and provide guidelines on hardening the kernel against such attacks.
In response to a question asked in parliament, the German Federal Government responded in May 2012 that it was able to decrypt PGP messages or SSH connections, at least partially. Experts were exasperated when they heard this. No one seriously believed that PGP encryption had been cracked. More likely, data is sniffed before encryption or after decryption, or the secret service possesses the private key and, possibly, the associated password. Germany's "Federal Trojan" can infiltrate the kernel as a rootkit for this purpose.
Classically, the term "rootkit" refers to a piece of software that gives an attacker camouflaged access to, and thus control over, a machine. Userland rootkits tend to modify applications to do this. In comparison, the much more powerful kernel rootkits change kernel data structures and code – for example, through system call hijacking.
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Tag Cloud
Fedora Developer Announces New Partition Manager
New tool will look like GParted but support a wider range of storage technologies.
Mozilla Releases a New Firefox
New public key pinning feature will help prevent man-in-the-middle attacks.
Tool Predicts Which Websites Will be Compromised
Carnegie Mellon researchers say 3 million pages could fall down the phishing hole in the next year.
SSH Key Management Guidelines
The US government rolls new best-practice rules for protecting SSH.
Knoppix 7.4 Released
Klaus Knopper announces the latest version of his iconic Live Linux system.
PHP Attack Puts WordPress and Drupal at Risk
All websites that use these popular CMS tools could be vulnerable to denial of service attacks if users don't install the updates.
Heartbleed Bleeds On
According to a report, many potential victims of the Heartbleed attack have patched their systems, but few have cleaned up the crime scene to protect themselves from the effects of a previous intrusion.
Drone Brain Goes Open Source
DARPA and NICTA release the code for the ultra-secure microkernel system used in aerial drones.
Password Management Services Vulnerable to Attack
Should you trust an online service to store your online passwords?
New Raspberry Pi Adds Two USB Ports
New B+ board lets you build cool things without the complication of a powered USB hub.


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- Ecumenical Task Force of the Niagara Frontier Records, 1946-1995, MS 65
- Love Canal Area Revitalization Agency (LCARA) Records, 1980-2003, MS 74
- Penelope D. Ploughman Love Canal Collection, 1978-1994, MS 100
- Adeline Levine Love Canal Research Materials, Part I. 1953-1981, 22/3F/634
- Adeline Levine Love Canal Research Materials, Part II. 1980-1991, 22/3F/1113
- Love Canal Repository Grant records, 1978-2002, MS 89
- Lynn Corcoran "In Our Own Backyard, the First Love Canal" Collection,1979-1982, MS 158
- Lester W. Milbrath Environmental Issues Papers, 1971-1990, 22/7F/668
- Love Canal newspaper clipping file from the Ecumenical Task Force of the Niagara Frontier, 1978-1990, MS 122
See searchable database
- Full-Text Articles from the Niagara Gazette
A selection of full-text articles on Love Canal, originally published in the Niagara Gazzette, is available online. Republished with permission.
- Love Canal Book Collection
The University Archives holds a small collection of books and government documents related to Love Canal. Use of this material is restricted to the Special Collections Research Room; these books and documents do not circulate.


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It will come as little solace to Frank Lampard or Marko Devic that FIFA will introduce goal-line technology at the 2013 Confederations Cup in Brazil and the World Cup that takes place there the following year.
A video review shouldn't have been necessary for Lampard's strike for England against Germany at the World Cup in South Africa three years ago. What should have been a 2-2 tie after his ball hit the crossbar and bounced over the line instead turned into a 4-1 loss. But the English also had their own dose of fortune during last summer's European championships when Devic's shot for the Ukraine was ruled incorrectly in a game England won 1-0.
The list of grievances finally grew too long for FIFA, which is begrudgingly moving into the 21st century. But it isn't a matter of soccer becoming more sophisticated or FIFA suddenly growing progressive. It's just pressure catching up with an antiquated and corruptible governing body that is moving even slower toward the same level of transparency that it's finally bringing to the field.
- Craig Stouffer


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ICANN Meeting 46
ICANN meetings are held three times each year in different regions of the globe to enable attendees from around the world to participate in person. One meeting each year is also the organization's annual general meeting, during which new Board members take their seats.
ICANN meetings are free and officially run five days (Monday to Friday). There are also a few pre-meeting workshops and working sessions when the volunteer members of our supporting organizations and advisory committees initiate their work.
ICANN meetings offer a variety of sessions such as workshops, open forums, and working meetings on the development and implementation of Internet policies.


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Carly Rae Jepsen, a fairy princess from a faraway land called Canada (in case you'd forgotten), stopped by Live With Kelly & Michael the other day to perform her single "Tonight I'm Getting Over You," which (in case you'd forgotten) is still one of the best pop songs of the year.
Unsurprisingly, Nicki Minaj did not launch out of a cannon to join Carly Rae on stage (sadly, she has better things to do), but the songbird still delivered a nice performance of the track.
Please, radio, hear my clarion cry. Get this song to #1.
Watch up top.
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Learn More About Working at CBO and the Agency's Career Opportunities
January 28, 2009
After testifying yesterday at the House Budget Committee on the state of the economy and fiscal stimulus, this morning I testified before the Senate Budget Committee on another key aspect ofthe currenteconomic downturn--the ongoing crisis in thehousing and financial markets.
Policymakers have responded to the turmoil with a set of unprecedented actions. Thus far, a systemic collapse of the financial system has not occurred, and conditions have improved noticeably in some financial markets. Nevertheless, according to some analysts, U.S. banks and thrift institutions could be facing more than $450 billion in additional estimated losses on their assetson top of the approximately $500 billion that has already been recognized. The scale of those losses suggests that many financial institutions and markets will remain deeply troubled for some time, which will keep borrowing exceptionally costly for many borrowers and thereby dampen spending by households and businesses.
Challenging conditions seem likely to persist for some time in the housing and mortgage markets as well. Housing sales remain weak, and construction activity continues to decline. With the housing markets large glut of vacant properties, the prices of homes are likely to fall considerably further, pushing the value of more borrowers homes below the value of their outstanding mortgages. As more of those underwater borrowers experience losses of income during the current recession, rates of delinquency and foreclosure on residential mortgage loans are likely to rise further.
In short, turmoil in the financial markets is likely to continue for some time, even with vigorous policy actions (and especially without them). A crucial and challenging question for policymakers is, What further actions can be taken to normalize the financial and housing markets so as to spur economic activity?
There are many options, none of them are perfect, and an effective policy probably requires a multifacetedapproach that uses a range of tools to address the different aspects of financial distress. The costs to federal taxpayers of actions to reduce mortgage foreclosures and improve financial conditions are highly uncertain and may be large, but the economic consequences of doing nothing may be even greater.
My written testimony (link here) provides information on interventions implemented by the government to date and alternative strategies going forward.
To deal with the faltering financial system, analysts have proposed several, possibly complementary, strategies:
- One is to inject additional equity into institutions, perhaps by continuing the Capital Purchase Program under the TARP. This approach was widely supported by economists, often on the grounds that it would give the banking system the capacity to absorb losses and continue making loans without requiring the government to decide how much to pay for particular troubled assets. However, the extent of losses and the fog of uncertainty about which institutions have suffered the losses may mean that further broad-based equity injections are not the most cost-effective way to proceed now.
- Another strategy is to deal with the troubled assets directly.This could be accomplished by the government buying assets, guaranteeing assets, or subsidizing the separation of assets into so-called "good banks" and "bad banks." This approach could clarify the true condition of institutions' balance sheets by removing the difficult-to-value assets, and allow bank managers to focus their attention on new lending rather than old problems. However, this approach would require the government to set a price for the assets on guarantees.
- Yet another strategy is for the government to increase its own lending to households and businesses. This could include developing new programs or expanding existing ones such as the Fed's commitments to buy certain mortgage-backed securities and consumer-loan-backed securities. The basic idea is to provide public credit until the financial system is sufficiently healed to provide enough private credit.


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for divset 1: editionitemcount != typographicitemcount
The element <space/> should be used where a blank space on the stone is considered significant.
The use of the <certainty> element in these examples conforms to the consensus reached in a protacted discussion on the Markup list under the rubrics "REQ COMMENT: lacuna/vacat and uncertainty" and "Certainty etc." ( 1-10 June 2002).
Revision number: $Revision: 1.11 $
Revision name (if any): $Name: r-4-beta-1 $
Revision date: $Date: 2006/04/18 21:19:01 $


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Portray Kanye-type swagger (because we're #1), but in a Will Smith way (approachable).
The social media philosophy of a major American chain, according to a PowerPoint I saw on an employee's laptop on a flight yesterday. (via megangreenwell)
(via annfriedman)
Oh, I want to know what chain this is sooooo badly. Any gueses?


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All Roads Lead to Roam
Nevada County GIS maps
City and town road maps, zoning, school districts, more
Nevada County has an online map database that shows roads, topography, Assessor's parcels & satellite photos of Nevada County.
Google Maps of local towns & State Historic Parks (links go to Google maps). Good for getting driving directions.
Nevada City
Grass Valley
Penn Valley
Rough and Ready
North San Juan
Interested in the history of these towns? Visit our History page.
(Google maps)
The South Yuba River State Park & Bridgeport Covered Bridge
Empire Mine State Historic Park
Malakoff Diggins State Historic Park