text:
Tiger killing show for Chinese rich and powerful
Indonesian clerics issue fatwa to protect wildlife
Rare Amur leopard killed in China
China crushes six tonnes of ivory
The economically valuable sweet-gum trees: Taxonomy and nine new combinations
The sweet-gum family Altingiaceae is a small group of wind-pollinated trees that produce hard, woody fruits that contain numerous seeds. This widespread tree family has been puzzling botanists for a whil ...
India plans new sanctuary to boost tiger numbers
Asian rhino conference hailed as major step forward
One million cockroaches flee China farm: report
At least one million cockroaches have escaped a farm in China where they were being bred for use in traditional medicine, a report said.
Substances from African medicinal plants could help stop tumor growth
Experiments using benzophenones derived from plants originating in Cameroon produce evidence that these may be effective against multi-drug resistant cancers.
Exhaled breath carries a 'breathprint' unique to each individual, study shows
Swiss researchers could show that exhaled human breath contains a characteristic molecular "fingerprint". The scientists want to use this finding to diagnose diseases based on the chemical analysis of patient's exhaled breath, ...
Paving the way for greater use of ancient medical knowledge
Scientists are reporting an advance toward overcoming a major barrier to tapping the potential of traditional Chinese medicine (TCM) and India's Ayurvedic medicine in developing new and more effective modern ...
Reprieve for bear rescue centre in Vietnam
A second ascent of chemistry's Mt. Everest
In science's equivalent of ascending Mt. Everest, researchers are reporting success in one of the most difficult challenges in synthetic chemistry—a field in which scientists reproduce natural and other ...
How signal molecules for the formation of various cell types are controlled
The regulation of important signal molecules that are critical for the formation of various cell types can be influenced by a chemically produced variant of indirubin, a natural material used in traditional Chinese medicine. ...


text:
Moderator: SuzyBatt
poptartgirl wrote:I saw the Phoenix Foundation video today (with the Eagle vs Shark clips) on the local music TV station, ME TV -- ch 15 on Austin TX cable.
Turns out, one is a promotional DVD.
indigo_jones wrote:Do tell what's on it when you do get around to watching.
Users browsing this forum: Google [Bot] and 2 guests

subset: commoncrawl


text:
Agenda: 2013 Policy Summit on Housing, Human Capital, and Inequality
Thursday, September 19
Keynote speaker:
Sandra Pianalto, President & Chief executive Officer, Federal Reserve Bank of Cleveland
A member of the Federal Open Market Committee, Ms. Pianalto has unique insights on housing finance policy and regulations.
The New Housing Finance System: Are We There Yet?
In this opening plenary session, noted researchers and policy experts will take up the current heated debate over the future of housing finance in this country. In light of recent regulatory changes, how will the new financial environment influence housing finance going forward? What are the points of consensus and contention regarding the roles of the GSEs, the FHA, and private market participants? The plenary participants will discuss the path forward for housing finance and, not least, the implications for low-income households' access to affordable housing.
Robert Avery, Project Director of the National Mortgage Database, Federal Housing Finance Agency (FHFA)
Shekar Narasimhan, Managing Partner, Beekman Advisors, Inc.
Affordable Housing, Mortgage Underwriting, and Default: The Case of the FHA
In the past few years, the Federal Housing Administration's (FHA) market share has increased substantially, as have its default and foreclosure rates. Recently, the White House announced that the FHA may have to make a capital call to the US Department of the Treasury for the first time in its history, prompting debate over the future of the organization. In this session, a panel of experts will discuss the FHA's financial situation, its role in providing affordable housing, and explore potential policy responses.
Emre Ergungor, Senior Research Economist, Federal Reserve Bank of Cleveland
Edward J. Pinto, Resident Fellow, American Enterprise Institute
Summary and Findings
The Federal Housing Administration's mission is to be a targeted provider of mortgage credit for low- and moderate-income Americans and first-time home buyers, leading to homeownership success and neighborhood stability. But is the FHA achieving this mission? This paper reports on a comprehensive study that shows the FHA is engaging in practices resulting in a high proportion of low- and moderate-income families losing their homes. Based on an analysis of the FHA's FY 2009 and 2010 books of business, the FHA's lending practices are inconsistent with its mission. The findings indicate: An estimated 40 percent of the FHA's business consists of loans with either one or two subprime attributes—a FICO score below 660 or a debt ratio greater than or equal to 50 percent (based on loans insured during FY 2012). The FHA's underwriting policies encourage low- and moderate-income families with low credit scores or high debt burdens to make risky financing decisions—combining a low credit score and/or a high debt ratio with a 30-year loan term and a low down payment. A substantial portion of these loans has an expected failure rate exceeding 10 percent. Across the country, 9,000 zip codes with a median family income below the metro area median have projected foreclosure rates equal to or greater than 10 percent. These zips have an average projected foreclosure rate of 15 percent and account for 44 percent of all FHA loans in the low- and moderate-income zips.
Implications for Policy and Practice
The study identified specific reforms to focus the FHA on responsible lending and return it to its traditional mission: Step 1: Target an average 7 percent projected claim termination rate, assuming no house price appreciation or depreciation. Step 2: Stop guaranteeing lower-risk loans and high-dollar-balance borrowers, as this allows for cross-subsidization of those loans with excessive risk. This will also let the FHA step back from markets that can be served by the private sector and allow it to concentrate on home buyers who truly need help. Step 3: Price for risk, since not doing so deprives the borrower of the price information needed to understand the true risk of the loan. Until this is done, the FHA should disclose to the borrower his or her expected claim rate, assuming no house price appreciation or depreciation. Step 4: Implement underwriting that results in the extension of responsible mortgage credit, by balancing down payment, loan term, FICO score, and debt-to-income ratio to achieve meaningful equity.
David Reiss, Professor of Law, Brooklyn Law School
Summary and Findings
The Federal Housing Administration (FHA) has been a flexible tool of government since it was created during the Great Depression. It succeeded wonderfully, with rapid growth during the late 1930s. The federal government repositioned it a number of times over the following decades to achieve a variety additional social goals. It achieved success with some of its goals and had a terrible record with others. Today's FHA is suffering from many of the same unrealistic underwriting assumptions that have done in so many subprime lenders as well as Fannie and Freddie. The FHA has come under attack for its poor execution of some of its additional mandates and leading commentators have called for the federal government to stop undertaking them. This article takes the long view and demonstrates that the FHA also has a history of successfully undertaking new programs. It also identifies operational failures that should be noted to prevent them from occurring if the FHA were to undertake similar ones in the future. The article first sets forth the dominant critique of the FHA and a history of its constantly changing role. It then addresses the dominant critique of the FHA and evaluates its priorities in the context of legitimate housing policy objectives. It concludes that the FHA has focused on an unthinking "more is better" approach to housing, but that the FHA can responsibly address objectives other than the provision of liquidity to the residential mortgage market.
Implications for Policy and Practice
Leading commentators on the FHA do not fully appreciate the extent to which down payment requirements alone drive the success and failure of new FHA initiatives. Central to any analysis of the FHA's role is an understanding of its policies relating down payment size. Much of the FHA's performance is driven by its down payment requirements, which have trended ever downward so that homeowners were able to get loans for 100% of the value of the house in recent times. As is obvious to all, the larger the down payment, the safer the loan. What appears to have been less obvious is that very small down payments are unacceptably risky. Given that the FHA insures 100% of the losses on its mortgages, the down payment requirement is a key driver of its performance. From an underwriting perspective, 20% is clearly desirable as the risk of default is very low even in a down market. But from an opportunity perspective, a 20% down payment requirement would keep large swaths of potential first-time homeowners from entering the market. If down payments are set too high, than an important social goal may be left by the wayside. So it is important that the public discourse weighs the costs and benefits of setting a fixed down payment requirement versus taking a risk layering approach to down payments. In either case, the FHA must balance the goal of safe underwriting with the goal of making homeownership available to households who could maintain it for the long term.
Joseph Tracy, Executive Vice President and Senior Advisor to the President, Federal Reserve Bank of New York
Summary and Findings
A major headwind during the economic recovery was the contraction in residential investment as well as the weakness in consumer demand resulting from the housing crisis. The recent increases in house prices across most housing markets are welcomed and support the growing optimism about the near-term economic outlook. In some markets, the magnitudes of these recent price increases have been quite large and raise the question of whether they may presage a return of speculative concerns. We evaluate these concerns by looking at the evolution of rent/price and price/replacement cost ratios in these markets. We also investigate the impact of the still low transaction volumes in most housing markets on the estimated repeat-sale price increases
Implications for Policy and Practice
Interpreting recent house price dynamics is important for arriving at a correct assessment of the health of local housing markets. The impact of development in housing on the broader macro economy also depends on these assessments.
Small Business Trends and Policies after the Great Recession
Research shared in this session will give participants a detailed view of what characterizes small businesses and small business employment, clarifying long-held misconceptions on the topic and possible implications in policymaking. The session will also include an analysis of the effectiveness of a large-scale entrepreneurship training program and what it means for policy.
Lockwood Reynolds, Assistant Professor, Kent State University
Manuel Adelino, Assistant Professor of Finance, Duke University's Fuqua School of Business
Summary and Findings
This paper documents the role of the collateral lending channel to facilitate small business starts and self-employment in the period before the financial crisis of 2008. We document that between 2002 and 2007 areas with a bigger run up in house prices experienced a strong increase in employment in small businesses compared to employment in large firms in the same industries. This increase in small business employment was particularly pronounced in (1) industries that need little startup capital and can thus more easily be financed out of increases in housing as collateral; and (2) manufacturing industries where goods are shipped over long distances, which rules out that local demand is driving the expansion. We show that this effect is separate from an aggregate demand channel that relies on home equity based borrowing leading to increased demand and employment creation.
Implications for Policy and Practice
This paper documents the role of the collateral lending channel to facilitate small business starts and self-employment in the period before the financial crisis of 2008. We document that between 2002 and 2007 areas with a bigger run up in house prices experienced a strong increase in employment in small businesses compared to employment in large firms in the same industries. This increase in small business employment was particularly pronounced in (1) industries that need little startup capital and can thus more easily be financed out of increases in housing as collateral; and (2) manufacturing industries where goods are shipped over long distances, which rules out that local demand is driving the expansion. We show that this effect is separate from an aggregate demand channel that relies on home equity based borrowing leading to increased demand and employment creation.
Ruth Uwaifo Oyelere, Assistant Professor, Georgia Institute of Technology
Benjamin Pugsley, Economist, Federal Reserve Bank of New York
Summary and Findings
Past research on the determinants of self-employment in the U.S. has emphasized the importance of ethnicity. In particular, self-employment rates for Blacks lag far behind those of other racial groups for comparable individuals. Institutions matter and their impacts are long lived. At the same time, information is also important and affects individuals' preferences. We hypothesize that part of the lag in Blacks' self-employment rates may be explained by the effects of past institutions and the information created from past institutional shocks. If this hypothesis is correct, we should find that those who did not experience institutional shocks directly or indirectly should exhibit different preferences from those who did, despite similar racial background. In addition, we expect that those who experienced such shocks indirectly should also exhibit preference differences from those directly affected, given that their preferences will also be influenced by their own experiences and information reflecting current conditions. This is the motivation for our two questions of interest: Does the dummy variable coefficient associated with the Black–White self-employment gap exhibit intra-race heterogeneity? Second, does this variable have diminished or increased impact across generations? We find evidence of intra-race heterogeneity. We also find evidence of differences in the probability of entrepreneurship across different birth cohorts of African-Americans.
Implications for Policy and Practice
These results provide two direct policy applications. First, targeting African Americans and educating them about the current opportunities available in self-employment is necessary. There are alternative ways this can be done, but local forums aimed at discussing why Black businesses failed in the past and the constraints they face today are useful in changing current information on possible business failure for African Americans. Second, providing incentives is useful. Ultimately, people respond to incentives and given the negative institutional shocks faced by African Americans in the past, which may have led to a heightened apprehension about the risks of self-employment, thinking of innovative ways to incentivize African Americans towards entrepreneurship should be useful.
Getting the Right Balance: Generating Income and Achieving Savings in a Post-Recession World
Household balance sheets are all about income and assets (what you earn and what you own) versus debt and spending (what you owe and what you consume). In addition to income, savings play an integral role in family financial stability. This session will look at the current state of household balance sheets following the recession and delve into the components of the balance sheet. It will also attempt to answer two questions: What programs help those with less-robust balance sheets generate income? And what tools are available to low- and moderate-income individuals to facilitate saving?
David Rothstein, Director of Resource Development & Public Affairs, Neighborhood Housing Services of Greater Cleveland, and Project Director, Ohio CASH Coalition
Tamara Lindsay, Director of Programs, NYC Department of Consumer Affairs Office of Financial Empowerment (OFE).
In a Pinch: Access to Affordable Short-Term Credit
Access to mainstream sources of consumer credit is a challenge for many low- and moderate-income households. To fill gaps in monthly expenses and income, some turn to small dollar credit products such as payday loans. While these products meet consumer needs, it is often at a high cost to borrowers. Panelists in this session will discuss why consumers use these products despite the costs, the availability of small dollar credit products and the impact of regulation on them, and some innovative and more affordable approaches to fulfilling the short-term credit needs of consumers.
Rob Levy, Director of Research, Center for Financial Services Innovation
Sarah Davies, Senior Vice President, Analytics, Product Management and Research, VantageScore Solutions, LLC
QM & QRM: What it Means for Bankers
A key contributor to the financial crisis was the proliferation of mortgages made with lax underwriting standards which were then securitized. The Dodd-Frank Act imposes new legal requirements on both mortgage originators and mortgage securitizers. These requirements include an exemption for securitizing Qualified Residential Mortgages (QRMs) and a safe harbor for originating Qualified Mortgages (QMs). Many originators and securitizers are expected to originate and securitize only mortgages that meet the QM and QRM standards, thus having a profound effect on residential mortgage lending. This interactive session will examine the new QRM and QM standards, as well as the impact on borrowers and implications for fair lending. It will also address the difference between the safe harbor for prime QRMs and the rebuttable presumption of compliance for higher-priced mortgage loans (HPML), and the implications for the Community Reinvestment Act and TILA's civil liability provisions.
Greg Bell, Consumer Compliance Banking Supervisor, Federal Reserve Bank of Cleveland (Cincinnati Branch)
Consumer and Household Finance
This session focuses on consumer and household finance, with particular attention paid to consumer behaviors and financial implications. The speakers will specifically address household borrowing behavior through the housing boom and bust, the substitution between mortgage and non-mortgage debt, the consumption response to tax refunds, and the benefits and costs of checking accounts as they are actually used by low- and moderate-income households.
Dan Hartley, Research Economist, Federal Reserve Bank of Cleveland
Meta Brown, Senior Economist, Federal Reserve Bank of New York
Summary and Findings
We investigate the impact of large swings in the housing market on non-mortgage borrowing, using CoreLogic geographic house price variation and Equifax-sourced Federal Reserve Bank of New York Consumer Credit Panel data for 1999 to 2012. First-differenced instrumental variables estimates indicate that all homeowner types increased both housing and non-housing debt in response to the housing boom. However, older and prime homeowners responded to house price changes by reallocating obligations between home equity and credit card debt, with little change in total debt, during both the comparatively stable 1999-2001 period and the 2007-2012 downturn. Younger and marginally creditworthy homeowners' non-mortgage debts moved with house prices during both expansions and downturns. These results suggest meaningful wealth effects of the housing market on consumption only for the boom period, but collateral effects throughout. A difference-in-differences estimation approach yields similar results. Finally, despite broad speculation, we find little substitution out of home equity debt into student loans in response to recent house price declines.
Implications for Policy and Practice
Our findings address the nature of both debt and consumption responses to movements in the housing market, in good economic times and bad. Understanding whether and which homeowners adjust consumption in response to changes in housing wealth may help us understand the path of the recovery. Further, our failure to uncover evidence of meaningful substitution out of home equity debt into student loans from 2007-2012 suggests that a housing market recovery may do little to curb the rapid growth of U.S. student debt.
Hoonsuk Park, PhD Candidate, The Ohio State University
Summary and Findings
Economic models typically assume that households adjust their consumption based on new information rather on the actual receipt of funds (e.g., Laibson 1997). Empirical studies, however, find evidence that appears to contradict the theory. Specifically, the common result is that households react to actual cash flows. For example, households consume more following the regular receipt of monthly paychecks or social security payments (Stephens 2003, 2006), following tax return refunds (Souleles 1999), and following tax rebates (Agarwal, Liu, and Souleles 2007). One possibility is that households would like to respond to expected cash flows—as the theory predicts—however, they are bound to do so due to financial constraints. This idea is supported by the evidence of Zeldes (1989) that the correlation between income and consumption is weaker for financially constrained households. While this evidence is suggestive of the importance of financial constraints in household consumption decisions, there is no direct evidence showing that financial constraints prevent households from responding to expected cash flows. The main contribution of the study is the empirical setting: instead of examining the reaction of households only to the cash receipt event, we augment the analysis and document the response of households to the information event. We use a novel setting surrounding the filing date (information date) and receipt date of actual federal tax refunds.
Implications for Policy and Practice
By providing more evidence on how consumers react to news and realization of income changes and how it interacts with credit constraints, we hope to help the evaluation and the design of policies that have an impact on the household income such as tax rebates and labor regulation.
Katherine Samolyk, Senior Economist, Consumer Financial Protection Bureau (CFPB)
Summary and Findings
This study uses proprietary data for a large random sample of consumer checking accounts at several depository institutions to examine the costs associated with checking account use and usage patterns that pose greater account-closure risks. We have unique information related to account ownership, including balances in other accounts with the bank and whether the account is opted-in to having standard overdraft coverage of debit card and ATM transactions. We also have 18 months of data on each debit and credit to the account. We use census data on the characteristics of the tract where the account holder resides. We conduct tests of factors associated with the incidence of overdraft-related fees and with involuntary account closure. Our findings indicate that being opted into debit card and ATM overdraft coverage is a key factor that predicts whether an accountholder had overdraft-related fees. We find that, in general, having "overdraft protection" in the form of a deposit account linked for the purpose of overdraft coverage was associated with lower overdraft-related costs; however customers having linked accounts with low balances tended to incur higher costs than customers with no linked accounts. Not surprisingly, we find that overdraft fees are a primary predictor of involuntary account closure. However, we also find that controlling for account-related factors, there are differences in checking account outcomes associated with tract demographics.
Implications for Policy and Practice
There is a growing body of research indicating that LMI households tend to be disproportionately represented among the unbanked and underbanked populations. A key goal of this study is to increase our understanding of banked LMI households and the costs and risks associated with bank account use. To this end, we focus on how account costs and account closures are related to the characteristics of the census tracts where the account holders reside. Our findings suggest that banked customers experiencing negative account outcomes may not look all that different from households that use alternative financial services (AFS) providers. In terms of univariate patterns, account holders residing in LMI neighborhoods were more likely to have overdraft-related fees and to experience involuntary account closure. They also tended to have lower monthly deposits and were less likely to have accounts linked for the purposes of overdraft protection than other account holders. In tests that control for account-related factors, we continue to find that account holders in LMI neighborhoods are more likely to incur worse outcomes. However, including tract characteristics measuring homeownership rates, household type, educational attainment, and racial composition attenuates the link between tract income and account outcomes. The tract characteristics associated with negative account outcomes are similar to those that researchers have found associated with the use of AFS credit products.
Improving the Mortgage Origination Process
How fair is the mortgage origination process? This session will present one experiment and two program evaluations related to this process. The experiment investigates discrimination by mortgage originators; the evaluations address effectiveness of specific interventions in the mortgage origination process, as well as regulations governing it. The session aims to advance the discussion of ways to make the mortgage origination process fairer and the resulting mortgages sustainable. (A complementary practitioner session is offered on Friday: Breakout Session C3, "At a Crossroads: The Changing Mortgage Industry.")
Lei Ding, Community Development Economic Advisor, Federal Reserve Bank of Philadelphia
Andrew Hanson, Associate Professor of Economics, Marquette University
Summary and Findings
We test for racial discrimination using a matched-pair correspondence experiment on Mortgage Loan Originators (MLOs). Our matched-pair experiment examines the response MLOs offer to initial contact from a potential client interested in obtaining information about a mortgage loan. We design the experiment to test for differential treatment by client race (white or African American) as well as differential treatment by credit score. Our results show that MLOs discriminate on the basis of race, and treat clients differently by their reported credit score. We find that on net, 1.8 percent of MLOs discriminate by not responding to inquiries from African Americans while responding to inquiries from white clients. We find larger net response differences across credit score types, with 8.5 percent of MLOs responding to the high credit score group while not responding to the no credit score group, and 4.0 percent of MLOs responding to the high credit score group while not responding to the low credit score group. We also find that credit score differences exacerbate differences in differential response between races. Examining the content of the response shows that whites are favored even among MLOs that respond to both inquiries. The primary difference in the content of response between whites and African Americans is the inclusion of details about the loan.
Implications for Policy and Practice
Finding discrimination in the lending market is likely to influence outcomes for minority borrowers throughout the home buying process. If African American borrowers are less likely to receive communication from an MLO and the MLO treats them differently when communication does occur, it makes submitting a loan application more difficult, and the remainder of the home purchase more arduous. In addition, our work shows that the growing importance of e-mail communication between clients and lenders, where in-person meetings are less and less common, does not mean that discrimination on the basis of race will not occur. The magnitude of discrimination we find is smaller than in recent in-person studies; however, the standard for compliance is much lower in our most basic test—we examine only if MLOs are willing to respond to an e-mail. Our findings confirm that discrimination still exists in the lending industry, and that it exists across a larger sample and a broader geographic scope than previous studies show. From a policy perspective, our results suggest that examining lending outcomes is not sufficient to uncover the level of discrimination that minorities face in the lending process. Our work also suggests that to uncover the full extent of discrimination in this market, multiple types of communication should be used in addition to in-person audits, and that enforcement of fair lending laws would be more robust if audits included other means of communication.
Lan Shi, Senior Research Associate, The Urban Institute
Summary and Findings
By exploiting state-level variations, we examine whether stricter licensing requirements for loan brokers raise lending standards and consequently improve loan performances. Using data on private label securitized loans, we find that the requirements on registration, surety bonds, net worth, work experience, education, exam, and continuing education are all effective in raising loan origination standards. Requirements placed on employees are as effective as those on licensees. The effect is larger for subprime, low/no-doc, cash-out-refinance loans, and high-minority neighborhoods.
Implications for Policy and Practice
These findings point to the value of broker regulation when lenders' incentives to screen are compromised under the originate-to-distribute model.
Kenneth Temkin, Principal, Temkin Associates
Summary and Findings
Neighborhood Reinvestment Corporation (doing business as NeighborWorks America, or NeighborWorks) has a nationwide network of affiliates offering pre-purchase homebuyer counseling throughout the country. Although the network members started to provide pre-purchase counseling in 1978, the impact of these services on mortgage performance has not yet been formally evaluated. Using information on about 75,000 loans originated between October 2007 and September 2009, Neil Mayer and Associates, together with Experian, analyzed the impact of pre-purchase counseling and education provided by NeighborWorks' network based on the performance of counseled borrowers' mortgages. It compares mortgage performance for counseled buyers over two years after the mortgages are originated to mortgage performance of borrowers who received no such services.
Implications for Policy and Practice
The findings show that NeighborWorks' pre-purchase counseling and education works: Clients receiving pre-purchase counseling and education from NeighborWorks organizations are one-third less likely to become 90+ days delinquent over the two years after receiving their loan than are borrowers who do not receive pre-purchase counseling from NeighborWorks organizations. The finding is consistent across years of loan origin, even as the mortgage market changed in a period of financial crisis. It applies equally to first-time homebuyers and to repeat buyers. The findings support continued support for pre-purchase counseling. The results show positive effects of counseling taking place throughout the U.S., by a large number of separate non-profit organizations, rather than in a single place or organization. At the same time, the fact that the NeighborWorks' network has common counseling standards provides for some consistency in the counseling services provided. Further work on the role of the specific nature of the counseling in determining performance, on performance over a longer period following loan origination, and on the indirect impacts of counseling through their effect on mortgage product choice could well be fruitful future directions for research.
Putting a Lid on It: Addressing Student Loan Debt
What's behind increasing student loan debt and how does it affect the near- and long-term financial well-being of borrowers? This session will address whether the investment in human capital is worth it for all students and what educational institutions and policymakers have done to address increasing costs. Finally, the panelists explore whether there are any alternative approaches to financing higher education. (A complementary research session is offered on Friday: Breakout Session C1, "Student Loans.")
Wenhua Di, Senior Economist, Federal Reserve Bank of Dallas
Bryan Ashton, Senior Program Coordinator, Student Wellness Center, The Ohio State University
Scott Karol, Director of Program Evaluation and Technology , Clarifi
Nontraditional Tools in the Neighborhood Stabilization Toolbox
The housing crisis has spurred a number of responses from the federal government, such as programs encouraging modifications and refinancing of distressed mortgages. Additionally, some communities are finding value in nontraditional means of stabilizing their neighborhoods, including shared-equity homeownership, community land trusts, private investors buying and rehabbing homes, and attracting more people to areas that suffered population declines. This session features researchers and policy experts on community land trusts, shared equity models, private sector investments in neighborhoods, and policies aimed at attracting immigrant and refugee populations to once-declining areas. How do these models work and in what conditions are they designed to succeed? What role can regulations play in furthering such efforts?
Moderator & Speaker:
Lou Tisler, Executive Director, Neighborhood Housing Services of Greater Cleveland
Shelly Callahan, Executive Director, Mohawk Valley Resource Center for Refugees, Utica, NY
Dodd-Frank: How Banks are Coping with the Cost of Compliance
This session features industry representatives' perspectives (from a community bank, regional bank, and large banking organization) on how they are managing the costs of complying with consumer regulations resulting from the Dodd-Frank Act. How have these new regulations impacted the respective organizations' product and service offerings? What regulations are giving them the most challenges?
Greg Bell, Consumer Compliance Banking Supervisor, Federal Reserve Bank of Cleveland (Cincinnati Branch)
Michael Little, Chief Compliance Officer, PNC Financial Services Group
Judy Steiner, Executive Vice President and Chief Risk Officer, FirstMerit Corporation
Trent Troyer, President & Chief Executive Officer, First Federal Community Bank
Friday, September 20
Shining a Light on Regulatory Enforcement
Join us for an interactive discussion over breakfast with a panel of federal and state regulators who will shed light on the gray area of policy known as regulatory enforcement. What factors are considered when agencies plan their enforcement strategies? How do agencies balance the potential unintended consequences that can result from blunt enforcement policies? The panelists' brief presentations will be followed by a facilitated discussion, providing the audience with the opportunity to participate.
Paul Kaboth, Vice President and Community Development Officer, Federal Reserve Bank of Cleveland
Nadine Ballard, Associate Professor, Sinclair Community College
Kristen Donoghue, Assistant Deputy Director for Policy and Strategy, Office of Enforcement, Consumer Financial Protection Bureau
Jon Steiger, Regional Director, Federal Trade Commission
Consumer Finances and Protection in the New Regulatory Environment
When does consumer protection work best? Some argue that consumers need as much protection from themselves as from profit-seeking companies. In this plenary session, national policy experts will discuss consumer protection in the new regulatory environment with a particular focus on the values and limits of regulations and mandatory information disclosures. When does the cost of product oversight outweigh the benefits? And how may the new rules affect the finances of low-income consumers?
Mark Sniderman, Executive Vice President and Chief Policy Officer, Federal Reserve Bank of Cleveland
Michael Barr, Professor of Law, University of Michigan Law School
Vanessa Perry, Chair and Associate Professor of Marketing, George Washington University
Jonathan Zinman, Visiting Scholar, Federal Reserve Bank of Philadelphia and Professor, Dartmouth College
Student Loans
According to a recent report from the Federal Reserve Bank of New York, student debt was the only type of household debt that continued to rise through the Great Recession. By the end of 2012, almost a third of student loans in the repayment period were delinquent. Research presented in this session explains why, in spite of growing tuition fees and debt, there is no evidence in favor of a student loan bubble. This session also presents work on borrowers' behavior with respect to their student loan debt when faced with other types of debt, as well as an analysis of regulations and policies to reduce the risks associated with educational investments. (This research session is a complement to Practitioner Session B3, "Putting a Lid on It: Addressing Student Loan Debt.")
Vyacheslav Mikhed, Industry Specialist, Payment Cards Center, Federal Reserve Bank of Philadelphia
Daniel Kreisman, Postdoctoral Research Fellow, Gerald R. Ford School of Public Policy at the University of Michigan
Lance Lochner, Professor and Director, CIBC Centre for Human Capital and Productivity, Western University (Canada)
Michael Simkovic, Associate Professor, Seton Hall University School of Law
Summary and Findings
Federal Student Loan programs were established in the mid twentieth century to increase the supply of skilled labor, promote economic and technological development, and provide upward socio-economic mobility. However, Federal Student Loan programs have not incorporated many recent insights from financial, developmental, and labor economics that distinguish between different types of education. Because of this, Federal Student Loan programs and, more broadly, U.S. labor markets are not performing at their full potential. There is a mismatch between the skills workers have and employers' needs, and this mismatch contributes to structural unemployment, reduced output, and higher student loan defaults. This mismatch is exacerbated by information asymmetries and perverse incentives of educational institutions to channel students toward the least expensive—and typically lowest value—fields of study.
Implications for Policy and Practice
This article argues that risk-based pricing of Federal Student Loans would increase efficiency. Risk-based pricing of student loans would signal the long-term financial risks inherent in different courses of study. This price signal would likely improve students' ability to make informed decisions about the course of study that would best balance their innate abilities and individual preferences with postgraduate opportunities. Similarly, price signals would enhance post-secondary educational institutions' ability to adjust their programs to improve their students' prospects. Allocating educational resources more efficiently would enhance the productivity and competitiveness of the U.S. labor force. Over the long term, such efficiencies could increase the resources available for further investment in education and research. Transparent, risk-based student loan pricing could greatly benefit students and educational institutions, particularly if it were data-driven and sensitive to the values of equal opportunity and independent research that are central to the academic enterprise. This article discusses legal and policy reforms that could facilitate risk-based student loan pricing, potential hazards from a shift toward risk-based pricing, and safeguards that could help protect students and educators from abuse.
Mortgage Defaults and Labor Markets
The papers in this session will report on research that examines the interaction between mortgage and housing markets and labor markets. They will also examine the relationship between unemployment, unemployment insurance, and mortgage default at both the micro and macro levels.
Timothy Dunne, Research Economist and Policy Advisor, Federal Reserve Bank of Atlanta
Kyle Herkenhoff, PhD Candidate, Department of Economics, University of Californi, Los Angeles
Summary and Findings
Through a purely positive lens, we study and document the growing trend of mortgagors who skip mortgage payments as an extra source of "informal" unemployment insurance during the 2007 recession and the subsequent recovery. In a dynamic model, we capture this behavior by treating both delinquency and foreclosure not as one period events, but rather as protracted and potentially reversible episodes that influence job search behavior and wage acceptance decisions. After calibrating, we find that the observed foreclosure delays increase the unemployment rate by an additional ½ percent. With delays, the stock of delinquent loans more than doubles. On the positive side, by providing more self-insurance, households enter better employment matches, which increases both output and homeownership.
Implications for Policy and Practice
With plausible economic turbulence, we find significant and persistent effects from the foreclosure delays on the unemployment rate. We also find that foreclosure delays increase both output and homeownership. By quantifying the relative magnitudes of each of these benefits and drawbacks, we provide policy makers with the ability to make better-informed decisions regarding mortgage intervention. These results imply that if there are two economic targets, homeownership and employment, the mortgage interventions studied in this paper improve progress along one dimension while detracting along the other. While the relative weights placed by policy makers on these targets ultimately guides the policy prescription, further normative work is required in a General Equilibrium framework capable of producing welfare numbers.
Brian Melzer, Assistant Professor of Finance, Kellogg School of Management, Northwestern University
Summary and Findings
This paper examines the impact of unemployment insurance (UI) on credit markets. Exploiting heterogeneity in the generosity of unemployment insurance across U.S. states and over time, we find that UI helps the unemployed avoid defaulting on their debt. For every $1,000 increase in maximum UI benefits, mortgage delinquency drops by 2 percent and the eviction rate drops by 10 percent among unemployed homeowners. We also find that lenders respond to this decline in default risk by expanding credit access for low-income households who are at risk of being laid off. For every $1,000 increase in maximum UI benefits, low-income households are offered $900 (4%) more in credit card debt as well as lower interest rates on credit cards and mortgages (0.5% reduction). These results show that the poor benefit from the insurance provided by a stronger social safety net even without experiencing a negative shock.
Implications for Policy and Practice
Our results imply that unemployment insurance payments can play an important role in mitigating mortgage delinquency and default. This finding is particularly notable in light of the recent housing downturn, during which policies such as the HAMP mortgage modification program were put in place to help distressed mortgage borrowers and avoid foreclosures. Compared to the HAMP program, unemployment insurance payments are an order of magnitude larger. While HAMP is estimated to disburse $16 billion, unemployment insurance payments over the last five years have exceeded $500 billion, in large part due to federally financed extensions of unemployment benefits periods.
Chao Yue Tian, Research Associate, University of North Carolina at Chapel Hill
Summary and Findings
The Great Recession (fourth quarter of 2007 through the second quarter of 2009) has been characterized by high rates of foreclosures and unemployment. Using a sample of community reinvestment loans, we examine the impact of structural unemployment and cyclical unemployment on mortgage terminations (default and prepayment). We find that mortgage default and prepayment are more sensitive to structural unemployment than cyclical unemployment. In addition, depending on whether structural unemployment is high or low, borrowers and lenders react differently to incentives to terminate a loan.
Implications for Policy and Practice
In sum, this study provides empirical evidence of the link between long-run or structural unemployment and mortgage termination through default and prepayment. The results indicate that if attempts to intervene in the labor market are to have meaningful impacts on mortgage markets, the intervention should be targeted at structural components of local unemployment.
At a Crossroads: The Changing Mortgage Industry
In the wake of the Dodd-Frank Act, the mortgage regulatory environment is changing dramatically. Join us as we explore how the current environment is affecting mortgage lending and how upcoming regulatory changes will impact mortgage credit in the future. Panelists will discuss the key mortgage regulations and what the implications are for borrowers, lenders, and communities as the market adjusts. (This practitioner session is a complement to Research Session B2, "Improving the Mortgage Origination Process.")
Ernie Hogan, Executive Director, Pittsburgh Community Reinvestment Group
Ken Benton, Senior Consumer Regulations Specialist, Federal Reserve Bank of Philadelphia
Small Business Financing Trends
Recent discussions about small business have focused on the challenges they face obtaining credit in today's marketplace. In this session, experts will discuss the frictions slowing the flow of this credit, as well as the variety of ways and recent trends in how small businesses are operating and obtaining financing.
Anita Campbell, Chief Executive Officer, Small Business Trends, LLC
Ty Barksdale, Vice President of Business Banking, Sutton Bank
Linda O'Connell, Small Business Banking Manager, Barlow Research Associates, Inc.
Keynote speaker:
Eldar Shafir, William Stewart Tod Professor of Psychology and Public Affairs, Princeton University
Dr. Shafir has long focused on how people make judgments and decisions in times of uncertainty, and on the application of behavioral research to policy.
Research and policy
Finding a connection
In advance of each Policy Summit we issue a call for papers, aimed at eliciting the latest and most relevant research on topics we're covering at that year's conference. Read summaries of and policy implications for the research papers presented at the 2013 Policy Summit.
Small businesses: How are they faring post-recession?
What are the top challenges facing small business after the Great Recession? Two presenters from the Policy Summit describe demands of the current workplace, including that workers be adaptable, collaborative, agile, and entrepreneurial, in an Economic Development podcast. View the transcript or play the audio MP3.
May 12-14, 2014
Mark your calendars
Those are the dates of the 2014 Reinventing Older Communities conference, "Bridging Growth and Opportunity." The biennial conference, sponsored by the Federal Reserve Bank of Philadelphia in partnership with the Cleveland Fed and others, will be held next May at the Loews Philadelphia Hotel. Check out highlights and a summary from the 2012 event, "Building Resilient Cities."


text:
Sign in for member information and resources.
Don't miss the vote!
Tuesday, Nov. 6 is Election Day and the polls are open from 6 a.m. to 8 p.m. On the national and state levels, New Jerseyans will be voting for president, senator and members of Congress. There are also two special elections in State Assembly Districts.
If you have changed your address or your name by marriage, divorce or by decree, you must complete a registration form.
You can register at the county commissioner of superintendent of registration's office, the local municipal clerk's office in your town/city hall, or at a state motor vehicles facility.
Registration can also be completed by mail. A registration form can be downloaded from www.njelections.org or you can contact the Division of Elections at 609-292-3760.
The registration deadline for the Nov. 6 election is Tuesday, Oct. 16.
Voters should be aware that they have the option, for any reason, to vote by mail (VBM) through Election Day. The county clerk must receive the VBM application by Tuesday, Oct. 30; otherwise you must pick one up at the county clerk's office by 3 p.m. on Monday, Nov. 5.
A VBM form can also be found at www.elections.org. Once the county clerk has processed a VBM application, you will receive a ballot in the mail to complete and return. Voting by absentee ballot is just as valid as going to the polls.
Voters also have the option of indicating if they want to receive a mail-in ballot for future November general elections until they request otherwise.
See the Elections page for more information.


text:
|Comfort Inns Saint Charles properties are provided below. Search for cheap and discount Comfort Inns hotel rates in Saint Charles, MO for your business gathering or personal travels. We list the best Comfort Inns Saint Charles hotels so you can review the Saint Charles Comfort Inns hotel list below to find the perfect place.
This technology will also list Saint Charles, MO hotels/properties that get similar quality scores of a Comfort Inns.
Booking a group or meeting? Get bids from hotels in Saint Charles MO
All Comfort Inns in or near Saint Charles
Next: Show All Available Comparable Hotels with Pricing >


text:
|U.S. National Institutes of Health | www.cancer.gov
Drug Reduces Transfusions for Some with Bone Marrow Disorder
A clinical trial of the drug lenalidomide (Revlimid) for a bone marrow disorder has found that it helped a particular subgroup of patients avoid the blood transfusions used to treat the disease, according to preliminary results from a clinical trial presented at the ASCO annual meeting.
All 148 patients in the study had a form of myelodysplastic syndrome (MDS) and a genetic flaw - the deletion of DNA from chromosome 5, which occurs in 18 to 25 percent of cases. The study was launched after earlier results suggested that the chromosomal deletion may predispose patients to respond to lenalidomide.
After 24 weeks, 64 percent of the patients in the study no longer needed a transfusion. In addition, 70 percent of those who responded had fewer bone marrow cells with the chromosomal deletion, while the deletion was undetectable in 44 percent of responders. For the patients who responded, it took about a month to avoid dependence on blood transfusions. The study is ongoing, and after a median follow-up of 9 months, 91 percent of the responders continued to respond.
Dr. Alan List of the H. Lee Moffitt Cancer Center presented the findings. He noted that the deleted region on chromosome 5 may contain a tumor suppressor gene, though none has yet been found. His group will report further on that region in an upcoming publication.
Gastric Cancer Survival Improved with Neoadjuvant Chemo
Chemotherapy before and after surgery in patients with operable cancer of the stomach and lower esophagus significantly improved both progression-free and overall survival compared with surgery alone, British researchers reported this week at the ASCO annual meeting.
In the 503-patient, phase III trial, at 5 years, 36 percent of patients in the chemotherapy arm were still alive, compared with 23 percent of patients in the surgery-alone arm. In addition, 70 percent of patients given chemotherapy saw their disease progress during that time, compared with 83 percent of patients treated only with surgery. Recurrence of gastric cancer after surgery to remove tumors is fairly common, with the cancer recurring in up to 65 percent of patients.
"This approach should be considered one of the standard treatment options for patients with these cancers," said study leader Dr. David Cunningham of the Royal Marsden Hospital.
Downsizing the tumor prior to surgery, says Dr. Udai Kammula, a senior investigator in the NCI Center for Cancer Research (CCR) Surgery Branch, is one advantage the researchers hoped to achieve with neoadjuvant chemo. It also may mean that patients will be more likely to tolerate chemotherapy, because they aren't first weakened by major surgery. More patients in this trial, for example, were able to receive chemotherapy than those in a multicenter clinical trial conducted in the United States that reported a survival benefit associated with postoperative chemotherapy and radiation.
Regardless, Dr. Kammula states, "Although these findings are promising, they need to be validated in another large trial, particularly one that has improved preoperative staging with endoscopic ultrasound and laparoscopy and greater quality control with regard to surgery."
Low-Fat Diet May Lower Risk of Breast Cancer Recurrence
Significantly lowering dietary fat may lower the risk of recurrences of breast cancer in postmenopausal women treated for early-stage breast cancer, researchers reported at the ASCO annual meeting. The findings are from the NCI-sponsored Women's Intervention Nutrition Study, the first large-scale study to examine the influence of dietary fat on breast cancer outcomes in this population.
"This could be the first randomized controlled clinical trial of a lifestyle intervention that impacts breast cancer outcomes," said study lead author Dr. Rowan T. Chlebowski of the Los Angeles Biomedical Research Institute at Harbor-UCLA Medical Center.
The 5-year study included 2,437 women, aged 48 to 79, drawn from 37 U.S. centers. The study group was placed on a low-fat diet, averaging about 33 grams of fat daily, while a control group consumed a standard diet that included approximately 52 grams of fat per day. Each group had previously received similar treatments for early-stage breast cancer, including mastectomy or lumpectomy with radiation, and postsurgical treatment protocols, depending on whether patients had estrogen-dependent cancers.
After 5 years, women on the low-fat diet showed a significant reduction in cancer recurrence compared with the control group: 9.8 percent vs. 12.4 percent. Women on the low-fat diet who had been previously treated for nonestrogen-dependent cancer - which is typically associated with a greater likelihood of recurrence - had a 42-percent reduced risk of recurrence compared with those on a standard diet.
"The effect on ER-negative disease is a surprising and potentially important observation regarding breast cancer," said Dr. Peter Greenwald, director of NCI's Division of Cancer Prevention. "These data demonstrate the possible importance of considering dietary factors in cancer therapy trials."
Childhood Cancer Survivors Pay Heavy Health Toll as Adults, Study Finds
Data presented at the ASCO annual meeting show that survivors of childhood cancers are five times more likely to suffer from severe or life-threatening health problems than their healthy siblings. The data come from the Childhood Cancer Survivor Study (CCSS), a multi-institutional research project funded by NCI to investigate long-term morbidity and mortality associated with cancer treatment among survivors of pediatric cancers.
The study included 10,397 adults aged 18 to 48 who had been diagnosed with childhood cancer between 1970 and 1986 and had survived more than 5 years. The control group contained 3,304 healthy siblings ranging in age from 18 to 56. Some of the serious health problems seen among study participants included second malignant neoplasm (excluding nonmelanoma skin and thyroid cancer), heart attack, coronary artery bypass surgery, dialysis or kidney transplant, and mental retardation requiring special education. By age 45, such problems were observed in 37.4 percent of the childhood cancer survivors, compared with only 4.6 percent of the control group.
According to the study's lead author, Dr. Kevin C. Oeffinger of the University of Texas Southwestern Medical Center, 57.1 percent of cancer survivors reported moderate health problems by age 45, compared with 18.2 percent of their healthy siblings. Such moderate health problems included scars in the lungs that required oxygen therapy, congestive heart failure, blood clots in the head or lungs, cirrhosis of the liver, ovarian or testicular failure, and loss of an eye or even blindness.
"Although contemporary treatment regimens and technologies may have lessened some late effects associated with childhood cancer treatments, the acute and long-term side effects of cancer treatment remain significant for the growth and development of these children and for the health of the adults that they become," commented Dr. Barry Anderson, CCSS program director at NCI.
Treatments for Pancreatic Cancer Show Some Benefit
Two studies presented at the 2005 ASCO annual meeting offered potentially promising news for the treatment of pancreatic cancer, a highly fatal cancer for which there are few effective new treatments.
In the first study, German researchers reported that in patients with operable pancreatic cancer, a 6-month regimen of the chemotherapy drug gemcitabine (Gemzar) following surgery nearly doubled the duration of disease-free survival compared with surgery alone. Gemcitabine has been used for nearly a decade to treat patients with inoperable pancreatic cancer.
The study involved 356 patients with operable pancreatic cancer randomized either to 6 months of gemcitabine treatment within 6 weeks of surgery or observation following surgery. Disease-free survival was 14.2 months for patients receiving gemcitabine and 7.5 months for those in the observation group.
It is too soon to tell whether the delay in disease progression will translate into longer overall survival, said study lead author Dr. Peter Neuhaus of Charité University Medical School in Berlin.
In the second study, National Cancer Institute of Canada researchers reported that in a phase III clinical trial with 569 patients with advanced pancreatic cancer, the 1-year survival was 24 percent among patients in the treatment arm that combined gemcitabine with the EGFR inhibitor erlotinib (Tarceva) and 17 percent in the gemcitabine-alone arm. The progression-free survival was 3.75 months for the gemcitabine/erlotinib arm and 3.55 for the gemcitabine plus placebo arm. The median overall survival was still poor: 6.4 months vs 5.9 months.
The difference in median overall survival was statistically significant, said Dr. James Abbruzzese, from the NCI Pancreatic Cancer Specialized Program of Research Excellence at M.D. Anderson Cancer Center. But any enthusiasm about the result, he added, has to be tempered by factors such as the increased toxicity seen in the gemcitabine/erlotinib arm. More work is needed, he suggested, to determine which patients would benefit from receiving erlotinib in addition to gemcitabine.
Early Ovarian Cancer Screening Test Studied
A blood test that measures four proteins detects 96 percent of early ovarian cancers in blinded trials, according to an article published in the May 10 early online edition of the Proceedings of the National Academy of Sciences.
To arrive at the 4-protein panel, researchers at Yale, George Washington University, and the Nevada Cancer Institute screened blood samples from 28 healthy women, 18 women with newly diagnosed ovarian cancer, and 40 women with recurrent disease. Microarray analysis highlighted 35 proteins that were expressed at significantly different levels between the control and patient groups.
The researchers pared down this list based on the biological function and analytic reproduciblity of each highlighted protein. They selected the final four - leptin, prolactin, osteopontin, and insulin-like growth factor II - because each can be measured with off-the-shelf ELISA tests.
The researchers then recruited two new groups: 106 healthy volunteers and 100 women with disease. Blinded ELISA tests measured the blood concentration of each protein in these women. An algorithm then assigned each woman a score of one to four; a one indicated one protein level was abnormal, whereas a four indicated abnormal levels of all four proteins.
After unblinding the tests, the algorithm correctly identified 96 of 100 patients with ovarian cancer, including 23 of 24 patients with stage I or stage II disease. In the healthy group, 6 of 106 women (5.6 percent) were incorrectly identified as having disease.
Underscoring these results as preliminary, Dr. Sudhir Srivastava, director of NCI's Early Detection Research Network, commented, "While the results are exciting, the panel of biomarkers needs to be validated with an expanded number of cases and confounding controls to check the accuracy and specificity, respectively." The Network is discussing collaborating on such validation studies with the study authors.


text:
Personal statements made by presidents about fundraising:
I have not [had fundraising training], and I think it would be valuable, particularly because I am such a neophyte at this... I would say I need the fundamentals, the passing, dribbling, shooting for sure — we are in the silent phase of a campaign, so I need some education in that as well.
A public university president in a recent study
(270) 745-1936.
The President's Role in Fundraising
Fundraising in Challenging Times
It has been brought to our attention that there is great interest in the University Presidents Leadership Series, however several of you have conflicts in your schedules. Due to the extreme importance of the material presented in this series, we want to make sure as many as possibly have the opportunity to attend.
For this reason, we on the planning committee are taking two important steps to make this possible.
- We are opening registration up to not only our university presidents but to college deans as well. The more individuals on your campus who can assist in these initiatives, the better.
- We want to present you with the opportunity to tell us the best time in your calendar to attend this series. Please select from the dates below to let us know what time of the year works best for you.
|August 1 &2
|September 19 & 20
|November 7 & 8
Thank you for you assistance in helping us make this important series a success!
Scott Shonk, email@example.com, (270) 745-1936
A recent comprehensive study has shown that fundraising is one of the top three duties of a university president today. Learn how you can be more effective in this important area of university leadership.
This professional development program will address the fundamentals of university fundraising and the president's role in this process. Professionals in the field of university fundraising and leadership development will review key issues and utilize case studies and real examples.
- An overview of a national study on the president's role in fundraising will address:
- The key aspects of the president's responsibilities in fundraising;
- The amount of time a president should devote to fundraising;
- How university presidents should rank and handle fundraising duties;
- The complexity of today's fundraising challenges and opportunities; and
- The specific components of fundraising and the president's involvement.
- This professional development program will cover:
- The importance of conducting a development assessment of your fundraising operations;
- Understanding the importance of readiness/feasibility studies;
- Major gifts fundraising and the president's role;
- Developing plans and strategies that ensure success;
- Working with boards, alumni, donors, and prospects;
- Ensuring that you are developing a successful program; and
- And other key development topics to assist you with a successful program.


text:
Gathering the MAC Address
- Turn on the PSP and go to the Main Menu.
- Scroll to the "Settings" menu on the left side of the Main Menu.
- Scroll down until you reach the "System Information" option and then select it.
- Inside the System Information menu is the consoles MAC address.


text:
TAMIU Web Style Guide
These guidelines are designed to insure standard identity in all TAMIU web pages. The repetition of colors, fonts and styles will help us communicate more effectively with external and internal audiences. This is not intended to restrain individuality, but rather offer suggestions and guidelines to help maintain TAMIU's identity throughout its web sites to inform and encourage all University constituents.
What's available:
In addition to this style guide, web page templates, required for at least the first two pages of University sites, are available through PRMIS. Instruction on webpage creation and management is offered through OIT.
Web Page Editing Software:
Adobe Dreamweaver or Adobe Contribute are preferred. For details, contact the Office of Public Affairs.
Steps Towards Better TAMIU Web Pages
For traditional publications, PAIS design staff are ready to discuss your publication needs and possible design directions. Details are available at http://www.tamiu.edu/newsinfo/office/tamiuservices.shtml


text:
Our mission is to continuously reinvent and forever change the way people hydrate and perform. We are forward-thinking inventors who value creative, unconventional ideas and unusual solutions to common problems. We seek new ways to do things and are not afraid to take risks. We believe that passionate people make superior, meaningful products. We are inspired by one another and the diverse missions, passions, and stories of our customers.
CamelBak just launched a comprehensive hydration tool to help you calculate your water requirements during physical activity.
Each year, CamelBak honors one or more individuals with the Water Carrier award as we strive for daily innovation, excellence and inspiration within our own walls.
In partnership with Water.org, CamelBak created the We Know Water: Education Program designed to educate students about the impact of water issues around the world and benefits of hydration.
Staying properly hydrated in the classroom can have a big impact on scholastic performance. Take our quiz to assess your overall hydration knowledge.
Learn the signs and symptoms of being over-hydrated as well as steps you can take to minimize the risk.
CamelBak Hydration Advisors Kate Geagan, Doug Casa and Matt Dixon discuss the importance of hydration and how it impacts the work they do.
COPYRIGHT © 2014 CAMELBAK PRODUCTS, LLC. ALL RIGHTS RESERVED. PRIVACY POLICY | Terms and Conditions


text:
A major southwest-side road reopened Saturday after a motorcycle accident shut it for more than three hours.
Police shut Mission Road around 1 p.m. after a 36-year-old man crashed his motorcycle. He was transported to a local hospital in critical condition, Tucson Police Sgt. Chris Widmer said.
The road was closed between Irvington Road and Ajo Way while officers investigated.
Copyright 2013 Tucson News Now. All rights reserved.
7831 N. Business Park Drive
All content © Copyright 2000 - 2014 Worldnow and KOLD. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service.


text:
LANSING (WKZO) -- Hamtramck will get an emergency manager on July 1st. Governor Snyder has named Pontiac City Administrator Cathy Square to the job after the confirmation this month that the city was under a financial emergency.
Snyder also appointed Mike Brown to be the next EM in Flint. He will take over on July 4th from Ed Kurtz, who is retiring.


text:
Advances in high-speed nondestructive testing procedures for both design evaluation and construction inspection to reopen facilities faster.
NDToolbox (R06)
As highway agencies strive to meet public demands to deliver durable and needed infrastructure faster and with limited resources, they need to be certain that their testing procedures are thorough, reliable, and fast. Existing nondestructive testing techniques need to evolve to keep pace with increasing demand for improved facilities with minimal construction-related delays.
Nondestructive testing (NDT) techniques developed through SHRP2 advance the state of practice in seven rapid renewal applications to enable inspection of existing and newly-constructed roads, bridge decks, and tunnels. These techniques result in quicker reopening times, and have shown significant benefits in field testing, including shorter inspection times, cost savings, earlier identification of deterioration and wear on bridge decks and pavements, and more efficient tunnel inspections.
This product provides decision makers with the information to ensure thorough, reliable, and safe inspection to achieve long-term performance and maximum service life of infrastructure. NDT contributes to faster, more efficient processes for state DOTs and local transportation agencies. The ability to reopen expanded or rehabilitated facilities faster reduces traffic maintenance costs, while the preventative maintenance approach identifies problems before they require extensive repairs. By using NDT techniques, repairs are completed faster, more safely, and with minimal impact on motorists.
In the Field
|Project Description
|Real-time smoothness measurements on Portland cement concrete pavements during construction
Andrew Bennett
Michigan DOT
|Real-time smoothness measurements on Portland cement concrete pavements during construction
Elizabeth Lukefahr
Texas DOT
Field activities also performed in Arkansas, Florida, Georgia, Kansas, Maine, Minnesota, New York and Virginia during the research phase.


text:
One of the best interactive info graphics I've seen.
Love the multiple ways to navigate the info - via the cart or the list on the side. Also love the combination of the chart with the link to photos below. Only issue is that there is no navigation back from photo gallery to the chart. Would be ideal if they were integrated better.


text:
Our philosophy of Culinary Spirit is central to the restaurants in our 7 Indian Ocean hotels and resorts.
Each of our talented chefs has his own style and character while following the Culinary Spirit philosophy:
• using fresh, top-quality produce to create a sophisticated, international cuisine
• working together as a team to create culinary delights for the pleasure of our guests.
We pride ourselves in serving beautifully presented and delicious cuisine that will surprise and delight you.


text:
Leo McGoogan, an 80-year-old man from Fultondale, and his wife watch their bank account very closely, every day in fact. But last week when Leo's wife checked it, she noticed a withdrawal of $29.95 by Zeal Money Solutions, a company they had never even heard of.
"She said, 'Well there's $29.95 taken out of the checking account and I said I absolutely know nothing about it," Leo. Online, the company's website says it prides itself on getting customers out of debt.
To Leo and his wife, they were stealing his hard earned cash.
They had never heard of the company nor had any contact with them.
They're still clueless as to how the company was able to get their checking account information.
When his wife called to get their money back, Leo said, "They just said if you want your money back, you've got to go through this website and file for it back."
That wasn't the answer Leo was looking for. He contacted the U.S. Attorney's Office and is now having to fill out paperwork from his bank.
"My money is hard to come by and for somebody to take it with no authorization. I can spend it real easy myself but for them to take money out of my account that I've worked hard for, it's a very serious proposition," said Leo.
The company has its share of red flags. There are thousands of complaints online across several other states, including Utah.
There, the state attorney general's office has even taken legal action to stop Zeal Money Solutions from withdrawing money from people's accounts.
Copyright 2012 WBRC. All rights reserved.
12 East Delano Avenue
Montgomery, AL 36105
(334) 288-1212
FCC Public File
EEO Report
Closed Captioning


text:
Storms caused pilots in Waupaca to postpone their formation flight to "Airventure" until Saturday.
More than 50 pilots and air enthusiasts gathered at the Waupaca Municipal Airport for the flight.
It was scheduled to leave around noon, but severe storms and heavy rain moved in.
The storms caused the group to miss its scheduled arrival time and pilots agreed waiting was the best option.
"You get everything at Oshkosh, unfortunately, the worst thing you can get is rain like this, we've got limits that we can fly in and thunderstorms and rain is not one of them," said Terry Hocking, Organizer.
Organizers said this isn't the first year they've had problems with the weather.
Laurel Harder joins us in studio to discuss this weekend's Relay for Life event being held in Wisconsin Rapids


text:
A website dedicated to music lovers! Polls and Lists on countless topics such as Top Artists, Ultimate Albums, Top Songs, Year End Music Polls and Updated New Music information!
- Top 500 Modern Rock Songs Of All Time
- Top Songs Of The 80's (Opening and Semifinal Rounds)
- Ultimate Albums Of All Time Nominees and Winners (Reader's Poll)
- 50 Songs For 50 States
- Tuesday Top Ten
- New Music Reviews (2010-2013) and JHO Hall Of Fame Albums
- Top Music Videos Of The 90s
- Topics, Setlists, and Countdowns
- Top Artists Of All Time (All The Stats From 1st Tournament)
- Best Of Music In 2010, 2011, 2012, 2013 (Lists and Reviews)
Saturday, August 6, 2011
J Mascis-Not Enough (31 Songs In 31 Days)
Labels: 31 Songs In 31 Days, J Mascis-"Not Enough"
Subscribe to: Post Comments (Atom)


text:
Classic Fjord 4-piece Metal Coaster Set by Dansk®
Cool coasters protect your tabletops - and reveal your sense of style. Keep several sets of coasters on hand, and you'll be ready whenever guests stop by.
- Coasters crafted of aluminum
- Tray crafted of wood
- Hand wash
$35.00 $24.95
Other products we think you'll love.
Shopping made easy with Lenox EasyPay. Order today and take up to 8 months to pay - interest free!Learn About EasyPay
Break something?
Lenox Breakage Replacement is one of the best customer satisfaction plans anywhere. So don't worry, you're covered. read more
Need Help?


text:
Anthropology Course Descriptions
In addition to the classes offered for the core of our major, we offer a wide array of interesting upper level electives in Anthropology that you can use to complete your major or minor in the discipline.
Spring 2014
ANTH4398 Human Behavioral Ecology
Our goal in Human Behavioral Ecology will be to explore questions about human behavior using an evolutionary perspective. The course will begin by providing grounding in behavioral ecology, which is the study of "evolution and adaptive design in ecological context". We will then apply this approach to understanding human behavioral diversity. Topics addressed may include foraging, kinship, altruism, social relationships, mating and marriage, life history, and illness. Taught by Dr. Sylvia Amsler.
Fall 2013
Archaeological Investigations
This course will focus on how we conduct archaeological research, why, and what archaeology can contribute to the understanding of the diversity of human cultures around the world. Emphasis on hands on field and laboratory activities, methodologies, and research design that respects and involves living human communities.
(Think of this as an "Archaeology 2″ course). Prerequisite ANTH3313 Archaeology, an archaeological field school, or consent of instructor.
The course will include a special focus on the medieval port city of Al-Baleed and the UALR Archaeological Projects in Oman and Yemen. Required for, but not limited to, students who want to apply to be a team member for the Summer 2014 archaeological field season in Oman.
Taught by Dr. Krista Lewis
Eating Cultures: Anthropology of Food
Are we what we eat? A global-local look at humans and their food, from early foodways, to traditional diets, to an analysis of food cultures and food problems right here in the US and Arkansas today. Students in the class will also learn hands-on in the UALR Campus Garden and plan Food Day events on campus. Taught by Dr. Krista Lewis
Forensic AnthropologyTaught by Dr. Kathryn King
EgyptologyTaught by Dr. Jessica Scott
Spring 2013
Language and Gender
Language and gender are two key elements of any given society. By studying the complex relations of the two, we can enrich our understanding of each. The claim that men and women use language differently is simultaneously overblown and poorly understood. Is men's language powerful and women's weak? Is men's language oriented to facts and women's to relationships? Can we even differentiate gender based on language? How can we test such questions and why are they so enduring? To avoid essentialisms, the course is rigorously cross-cultural and draws from wide range of sources from popular, ethnographic, and theoretical sources. Taught by Dr. Simon Hawkins.
Caravans, Suqs, and Ports: Archaeology of Trade in the Ancient Near East
This class looks at the development of complex international trade, global economy and multicultural interactions through archaeological sites and data from the ancient and pre-modern Middle East, Indian Ocean, eastern Mediterranean, and Red Sea areas. Taught by Dr. Krista Lewis
In this course students will explore the social systems, behavior, and ecology of nonhuman primates. The class consists of 3 hours of lecture and 3 hours of lab each week. In lecture we will examine behavioral and biological diversity within the primate order using an evolutionary perspective. Course material will draw heavily on field studies of primates and emphasize their behavior in natural environmental and social settings. The lab portion of the class will complement lecture and reading material with practical experience in scientific research and writing. We will meet regularly at the Little Rock Zoo to practice observational field methods used by primatologists. Taught by Dr. Sylvia Amsler.
Religion, Society and Culture
Introduction to the role of shamans, witches, diviners, cultic and magic belief systems, function of myth, ritual, religious symbolism, meaning of spirit possession, revitalization, and ancestor worship in tribal, peasant, and modern societies. Taught by Dr. Ed Hale.
Cultures of the Middle East
Visit this link for more information about the topics covered in Cultures of the Middle East. This class is required for Middle Eastern Studies minors but is open to anyone. Taught by Dr. Krista Lewis.
Other Anthropology Courses Taught in Recent Semesters
Islam and Gender
How does Islam view the role of women and men? What are Islamic stances on sex and sexuality? Who wears head coverings and why? What is the status of tradition and modernity in Islam? How does dating work in Saudi Arabia? The popular media provides some answers to these questions, but reality is far more complex. This course will tackle the multiple perspectives and debates about gender across the Islamic world. We will avoid simplistic stereotypes to look at the diversity of real people's thoughts and experiences. We explore the lives of men and women and the complicated choices they must make. Islam and Gender is taught by Dr. Simon Hawkins
Dental Anthropology
Teeth are among the best sources of evidence for both identification purposes and studies of demography, biological relationships, and health in modern and ancient human communities. This course is intended to give students a detailed introduction to the methodology used in the study of teeth and jaws in physical anthropology and archaeology, and the main current issues in research. It provides an anatomical background to the dentition, as well as the histology of dental tissues, morphological variation, changes with age and development, and dental pathology. Topics will include: dental development; tooth identification and orientation; variation in tooth size and shape; common dental pathologies and what they tell us about lifeways; dental modification; and how anthropologists from different sub-fields use teeth from living and ancient populations to inform our understanding of health, diet, migration patterns, ancestry, etc. Students interested in paleoanthropology, bioarchaeology, forensics, and archaeology would benefit from the class. However, there will also a cultural component focused on studies of dental modification, as well as health studies of modern populations using the dentition, so I think there will be something for everyone. Dental Anthropology is taught by Dr. Jessica Scott.
Teaching the Future? The Anthropology of Education
What do we really learn in school? What is an educated person? Do schools change society or perpetuate it? Taught by Dr. Simon Hawkins
Experimental Archaeology
Have you ever wondered how people lived in the past and made the tools, homes, food and other materials they needed everyday? In this course we will use the archaeological evidence for ancient lifeways in Arkansas to construct a replica prehistoric Native American house as accurately as possible using authentic technologies, tools and materials. This will be a hands-on project in cooperation with the Toltec Mounds State Park. We will often meet off campus at Toltec or other locations for collecting or processing raw materials Taught by Dr. Elizabeth Horton and Dr. Krista Lewis
In this class, we explore the complex relationships between society and language. We will examine language variations and usages as indicators of significance aspects of social life, such as class, racial, ethnic and gender identities. We will explore questions of language shift and maintenance looking at the social conditions that foster the continued use of minority languages, and those that result in shifts to a dominant language. We will also examine the roles that language performances (talking) play in everyday life, that is, how people accomplish social life through talking. We will learn to do conversational analysis, and we will learn how the analysis of how people actually talk can lead to discoveries about culture and society. Taught by Dr. Jeff Nash.
The Anthropology of Death
Holistic perspective on death across human cultures. Taught by Dr. Kathryn King.
Anthropology Field Experiences: Archaeological Ceramic Analysis
Students will learn basic analytical methodology in the course of a independent research project, as well as do selected readings in ceramic studies. Students will be responsible for producing one draft report at midterm and a final report at the end of the semester, as well as completed analysis paperwork to be left on file at Toltec Mounds Research Station. Students will be required to work a minimum of 90 hours in the lab at Toltec (in Scott, AR). Taught by Dr. Elizabeth Horton.
North American Indians
A study of Indian cultures from the Arctic to northern Mexico from immediately after European contact to the present. Taught by Dr. Robert Sanderson.
Human Paleontology
Study of the fossil evidence for human evolution and the scientific principles that apply to that study; interpretation of morphological patterns in a functional and adaptive framework; interaction of cultural and biological aspects of hominid development. Taught by Dr. Jessica Scott.


text:
'Tea at the Station, a Petticoat Junction Function'
In celebration of the 100th anniversary of the historic Pine River Depot, and in cooperation with Heritage Group North, four local women with strong historical family ties to the area will hostess "Tea at the Station, A Petticoat Junction Function" on Friday, Sept. 6 from 2-4 p.m. The event will take place at the Depot.
Are you a newspaper subscriber but you don't have a Digital Access account yet? https://secure.forumcomm.com/?publisher_ID=40&event=subscriber/lookup.
You will need your subscription account number and phone number. Not sure if you have an account? Email us at firstname.lastname@example.com and we can help you.


text:
(skip this header)
Thursday, October 02, 2014
College students around the nation are heading to points south for Spring Break.
Photo By Israel leal/AP
Spring Break revelers enjoy a foam party at a nightclub in the resort city of Cancun, Mexico. (AP Photo Israel Leal)
© 2014 Hearst Newspapers II, LLC


text:
How to Apply
Applicants for M.P.H. degree and Certificate Programs
Ready to apply for the MPH and/or graduate certificate programs? Start by viewing the online catalog to help you decide on a course of study. You can then apply online here (through December 1, 2014 for Spring 2015 only on ApplyYourself). The online application for all semesters for the public health programs going forward is available through the centralized application system (SOPHAS) for public health at http://www.sophas.org/.
If you are applying for admission to the M.S. in Speech-Language Pathology, the application is available through a centralized application system (CSDCAS - http://www.capcsd.org/csdcas/students.php)
To apply to the Doctor of Public Health in Health Policy Management program, the application is available through a centralized application system for public health (SOPHAS). http://www.sophas.org/
For the Physical Therapy program, the application is available through a centralized application system (PTCAS).
Matriculated Students
If you wish to pursue a degree from the School of Health Sciences and Practice, you must enroll as a matriculated student. An undergraduate average of at least 3.0 is required for those beginning studies as matriculated students for the Master of Public Health (MPH). However, the admissions decision is based on several factors, including past academic performance (undergraduate and graduate, if any), along with the applicant's personal statement, recommendations, work experience, community involvement, and school extracurricular activities. (GRE scores are not required for the MPH. The GRE is required for the Physical Therapy, Speech-Language Pathology and DrPH programs.
Prospective students whose native language is not English must also submit TOEFL (Test of English as a Foreign Language) or IELTS (International English Language Testing System) scores. Click here for information on admissions requirements for international students requiring an I-20 form.
Non-Matriculated Students
Applicants (non-international) with an undergraduate GPA below 3.0 may, at the discretion of the Admissions Review Committee, be accepted as non-matriculated (non-degree) students for the MPH. Upon completion of 9 credits with a grade point average of 3.0 (grades of B) or higher, their status may then be reviewed for matriculation. Students, who wish to have their status changed at this point, must submit a Personal Statement and complete a Change of Status form (available from the Admissions Office) and indicate the program and degree of choice. Courses taken as a non-matriculated student are applied to the degree. Students should consult with the program director/advisor prior to matriculation to obtain advice about course selection. Students who need additional academic preparation for matriculation may be required to take additional credits.
Students who choose to begin their studies as non-matriculated students may take up to nine (9) credits, and must then apply for matriculation. All credits taken will be applied to the degree program chosen. Students enrolled in graduate programs at other institutions may also enroll as non-matriculated students. See Requirements.
Certificate Programs
Applicants to credit-bearing certificate programs only are accepted as non-matriculated students, and remain in this status for the duration of the program, even if the total number of credits exceeds nine. The admissions requirements for the graduate certificates are the same as the MPH. See Requirements.


text:
- Arts & Sciences Home
- Dean's Office
- Academics
- Scholarship
- Initiatives
- Enrichment
- Faculty & Staff
About SCU Summer
Who is eligible for the SCU Summer Session?
The Santa Clara University (SCU) Summer Session is open to all college students in good academic standing at their home institutions. All non-degree seeking SCU students, incoming Fall 2014 transfers students and students from other schools (non-SCU students) must fill out and submit an Online Summer Application, and pay the appropriate fees and deposits before they will be permitted to register for summer courses. Verification of Enrollment / good standing must be sent to the Santa Clara University Registrar's Office.
SCU is accredited by the Western Association of Schools and Colleges. Units earned at SCU generally are transferable to other colleges and universities. Students from other universities or colleges should consult with academic advisors at their home institutions prior to registration in SCU's Summer Session to determine the transferability of SCU units.
To enroll at SCU in the regular year
Enrollment in the Undergraduate Summer Session does not guarantee or imply acceptance to SCU during the regular academic year. To enroll in SCU for the regular undergraduate academic year, please apply through the Undergraduate Admissions Office at 408-554-4700 or on the Admissions website.
Undergraduate Summer Session Program
500 El Camino Real, Santa Clara, California 95053
1-408-554-4833 | Email Us
© 2014 Santa Clara University


text:
Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
Alzheimer's Family Caregivers Making End of Life Decisions via @BarryBirkett
See what's Trending Now for @Faryna
Follow @Faryna on Twitter


text:
99% of the time, YOU HAVE ONLY BEEN CHARGED ONCE. This is an extremely frustrating situation for our customers as well as the eCommerce industry. This problem is attributed to the way that banks verify billing information and reserve funds from consumers for online transactions. The financial industry requires fund verification/fund reservation BEFORE address verification occurs. It works like this:
Harry's Army Surplus: Serving Dearborn and Metropolitan Detroit with army navy surplus, uniform gear, boots, army surplus and work clothing since 1950.


text:
Šibenik's dominating feature is the tumescent, daffodil-bulb-from-outer-space dome of St James's Cathedral (Katedrala svetog Jakova), a Gothic Renaissance masterpiece that still has art historians clutching their heads in a "how-on-earth-did-they-build-that?" state of admiration. Occupying the site of an earlier church, the current edifice was begun in 1431 when a group of Italian architects oversaw the erection of the Gothic lower storey of the present building. In 1441, dissatisfaction with the old-fashioned Gothic design led to the appointment of a new architect, Juraj Dalmatinac, who presided over three decades of intermittent progress, interrupted by cash shortages, two plagues and one catastrophic fire. The cathedral was just below roof height when he died in 1473 and his Italian apprentice Nikola Firentinac ("Nicholas of Florence"), thought to have been a pupil of Donatello, took over. Firentinac fashioned the cathedral's barrel roof and octagonal cupola from a series of huge interlocking stone slabs, a feat that is still considered an engineering marvel. He was also responsible for the statues on the cathedral's roof – high up on the southeast corner is a boyish, curly-haired Archangel Michael jauntily spearing a demon.
Entry to the cathedral is by the north door, framed by arches braided with the swirling arabesques that led to Dalmatinac's style being dubbed "floral Gothic". Inside, the cathedral is a harmonious blend of Gothic and Renaissance styles; the sheer space and light of the east end draw the eye towards the soft grey Dalmatian stone of the raised sanctuary. Follow the stairs down from the southern apse to the baptistry (Krstionica), Dalmatinac's masterpiece. It's an astonishing piece of work, a cubbyhole of Gothic carving, with four scallop-shell niches rising from each side to form a vaulted roof, beneath which cherubs playfully scamper.
Juraj Dalmatinac
Juraj Dalmatinac
Juraj Dalmatinac (George the Dalmatian; c.1400–73) was the most prolific stonemason of the Dalmatian Renaissance, but little is known of the man save for the works he left behind. Born in Zadar some time around 1400, he learnt his trade in Venice, setting up a workshop there which made his reputation as a mason. The Šibenik authorities engaged him to work on the cathedral in 1441, paying him 150 golden ducats a year as well as covering his family's moving expenses and providing free housing.
When work on the cathedral stalled, Dalmatinac picked up commissions elsewhere, notably the sarcophagus of St Anastasius in Split cathedral, and the main facade of Ancona cathedral. In 1464 he replaced Michelozzo Michelozzi as the chief fortification engineer in Dubrovnik, finishing off the finest of the system's many bastions, the Minčeta Fortress. Following working visits to Urbino and possibly Siena, he returned to Šibenik, where he died in 1473, the cathedral still unfinished.
Dalmatinac's great skill was to blend the intricate stoneworking techniques of the Gothic period with the realism and humanism of Renaissance sculpture. His stylistic innovations were carried over to the next generation by his pupils Andrija Aleši and Nikola Firentinac, who were involved in the completion of Šibenik cathedral before going on to produce their own masterpieces in Trogir.


text:
Four times clearer than Full HD 1080p
Welcome to four times the clarity of regular HD. See more on TV than ever before with over 8 million pixels compared to about 2 million on HDTV.
Everything you watch is enhanced for 4K Ultra HD viewing
Now TV shows, movies and sports look so much better. It's all optimized for 4K Ultra HD viewing with enhanced clarity and color.
More brilliant color than ever
See a wider range and more brilliant colors than you've ever seen on a TV before with Sony's exclusive TRILUMINOS display technology.
four times more detail with Sony 4k
See more on TV than ever before with over 8 million individual pixels (3,840 x 2,160) compared to about 2 million (1,920 x 1,080) on your current HDTV. Advanced picture processing also ensures that each of those pixels displays images with superb brightness and authentic detail. It's the highest resolution picture Sony has ever produced on a TV.
Suddenly, everything looks better. Sony's unique 4K TVs upscale your favorite TV shows, DVDs and Blu-ray™ movies – even YouTube® clips and smartphone videos – for higher quality, stunning results. The new 4K X-Reality™ PRO chip enhances HD (and lower resolution) images by analyzing and refining images with beautifully natural detail and astounding color. The latest Reality Creation database and Super Resolution processing breathes new life into everything you see with phenomenal 4K (3,840 x 2,160) resolution.


text:
More details have been revealed about last week's standoff between Longview police and a former Good Shepherd Medical Center nurse.
On Thursday, 38-year-old Candace Jackson was shot by police after a standoff that lasted almost four hours. Jackson was taken to GSMC where she died shortly thereafter from her injuries.
According to the complaint, police were called to the 2000 block of Eden Drive in Longview by Jackson's roommate on around 1:18 Thursday afternoon. Her roommate told police that Jackson had been using methamphetamines.
The roommate said she asked Jackson where their cat was. When Jackson told her that the pet was up the street, the roommate went to go get the cat and call 911 because she knew Jackson was acting strangely and "wanted to get her some help."
As the roommate was walking back, Jackson was walking towards her when she noticed a gun in Jackson's pants pocket. She attempted to talk to Jackson, but Jackson told her there was going to be a "show down," calling her roommate the "antichrist." Jackson then pulled the gun, at which point she and her roommate began fighting over the weapon. The roommate was hit in the eye during the altercation.
The roommate was able to get the gun away and held Jackson at gunpoint until she could flag down a passing car. When that happened, Jackson ran back inside her home where the roommate told police more weapons were stored.
The complaint says that officers at the scene believed shots were being fired from the direction of Jackson's residence.
Authorities used gas to get Jackson out of the home. Police said she came out of the home and opened fire at police, at which point they shot her and took her by ambulance to the hospital where she died shortly after.
Longview police say the Texas Rangers will continue this investigation.
Copyright 2013 KLTV. All rights reserved.
208 DeBuys Road
Biloxi, MS 39531
(228) 896-1313
FCC Public File
EEO Report
Closed Captioning


text:
Bibliophiles' Book Club Meeting
Primary tabs
Wednesday, May 1, 2013 - 7:30 p.m.
Join the Petworth Bibliophiles' Book Club to discuss the novel Contenders: Stories by Terence Winch.
This month the selection was chosen to promote the library's new endeavor DC By the Book. All stories in Winch's collection take place in Washington, D.C.
Copies of the book are on hold for customers at the Petworth Library or you may reserve your own copy using the library catalog.
Tea and biscuits will be provided; all are welcome!


text:
- << Previous photo
- Next photo >>
Shop Our Store
More Ways To Shop
More Ways To Save
Select your preferred location and we'll note which parts are ready to be picked up TODAY.
Radiator Cap, Steel, Hexagon, Moroso Logo, 23-25 psi, Each
Estimated Ship Date: Today Would you rather pick it up? Select Location
View Similar Products
These high-pressure Moroso caps fit standard-size radiator filler necks and increase the boiling point to improve heat transfer. They have a solid brass spring retainer and a stainless steel spring that maintain an accurate pressure setting over time and will not rust.
Some parts are not legal for sale or use in California on any pollution-controlled motor vehiclesBack To Results