text:
Distinguishing Between the Effects of Primary and Post-primary Education on Economic Growth
AbstractThe paper follows Benhabib and Spiegel (Journal of Monetary Economics, Vol. 34, 1994:143-73) in examining the effect of human capital accumulation on economic growth. The paper is innovative in two ways. First, it takes the R&D-based models more seriously. This delivers more structural specifications in which human capital affects growth as an input of final output and as a catalyst of technological innovation and imitation. Second, owing to data availability it is possible to disaggregate human capital and assign different roles to primary and post-primary education. Regression estimates obtained from these alternative specifications suggest that the relative contribution of human capital to technology adoption and final output production vary by country wealth. More importantly, regression estimates suggest that primary education contributes mainly to production of final output, whereas post-primary education contributes mainly to innovation and imitation of technology. Copyright Blackwell Publishing Ltd 2003.
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Bibliographic InfoArticle provided by Wiley Blackwell in its journal Review of Development Economics.
Volume (Year): 7 (2003)
Issue (Month): 4 (November)
Pages: 622-635
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CitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Rossana Patron & Marcel Vaillant, 2011. "Public expenditure on education and skill formation: are there simple rules to maximise skills?," Investigaciones de Economía de la Educación volume 6, in: Antonio Caparrós Ruiz (ed.), Investigaciones de Economía de la Educación 6, edition 1, volume 6, chapter 23, pages 387-397 Asociación de Economía de la Educación.
- Juliana Kikuchi Van Zaist & Luciano Nakabashi & Márcio A. Salvato, 2009. "Retornos privados de educação individual no Paraná," Working Papers 0097, Universidade Federal do Paraná, Department of Economics.
- Francesco Busato & Enrico Marchetti, 2006.
"Skills, sunspots and cycles,"
Economics Working Papers
2006-07, School of Economics and Management, University of Aarhus.
- Francesco Busato & Enrico Marchetti, 2009. "Skills, sunspots and cycles," Journal of Economics, Springer, vol. 97(3), pages 189-215, July.
- Marta C. N. Simões, 2011. "Education Composition and Growth: A Pooled Mean Group Analysis of OECD Countries," Panoeconomicus, Savez ekonomista Vojvodine, Novi Sad, Serbia, vol. 58(4), pages 455-471, December.
- Ang, James B., 2010. "Research, technological change and financial liberalization in South Korea," Journal of Macroeconomics, Elsevier, vol. 32(1), pages 457-468, March.
- Marta Simões & Adelaide Duarte, 2007. "Levels of education, growth and policy complementarities," GEMF Working Papers 2007-02, GEMF - Faculdade de Economia, Universidade de Coimbra.
- Busato, Francesco & Marchetti, Enrico, 2010.
"Endogenous skill cycles,"
Research in Economics,
Elsevier, vol. 64(3), pages 175-185, September.
- Francesco Busato & Enrico Marchetti, 2009. "Endogenous Skill Cycles," Working Papers 127, University of Rome La Sapienza, Department of Public Economics.
- Jalil, Abdul & Idrees, Muhammad, 2013. "Modeling the impact of education on the economic growth: Evidence from aggregated and disaggregated time series data of Pakistan," Economic Modelling, Elsevier, vol. 31(C), pages 383-388.
- Loening, Josef & Rao, B. Bhaskara & Singh, Rup, 2010. "Effects of education on economic growth:Evidence from Guatemala," MPRA Paper 23665, University Library of Munich, Germany.
- Juliana K. Van Zaist & Luciano Nakabashi & Márcio A. Salvato, 2008. "Retorno em Escolaridade no Paraná," Working Papers 0072, Universidade Federal do Paraná, Department of Economics.
- Miguel St. Aubyn & João Pereira, 2004.
"What Level of Education Matters Most for Growth? Evidence from Portugal,"
Working Papers Department of Economics
2004/13, ISEG - School of Economics and Management, Department of Economics, University of Lisbon.
- Pereira, João & St. Aubyn, Miguel, 2009. "What level of education matters most for growth?: Evidence from Portugal," Economics of Education Review, Elsevier, vol. 28(1), pages 67-73, February.
- Marta Simões, 2004. "The Education-growth Nexus Across OECD Countries: Schooling Levels and Parameter Heterogeneity," DEGIT Conference Papers c009_029, DEGIT, Dynamics, Economic Growth, and International Trade.
- Benos, Nikos & Karagiannis, Stelios, 2013. "Do Cross-Section Dependence and Parameter Heterogeneity Matter? Evidence on Human Capital and Productivity in Greece," MPRA Paper 53326, University Library of Munich, Germany.
- Patron, Rossana & Vaillant, Marcel, 2011.
"Public expenditure on education and skill formation: is there a simple rule to maximize skills?,"
MPRA Paper
46740, University Library of Munich, Germany.
- Rossana Patrón & Marcel Vaillant, 2011. "Public Expenditure on Education and Skill Formation: Is There a Simple Rule to Maximize Skills?," Documentos de Trabajo (working papers) 0611, Department of Economics - dECON.
- David Maradan & Anatoli Vassiliev, 2005. "Marginal Costs of Carbon Dioxide Abatement: Empirical Evidence from Cross-Country Analysis," Swiss Journal of Economics and Statistics (SJES), Swiss Society of Economics and Statistics (SSES), vol. 141(III), pages 377-410, September.
- Benos, Nikos & Zotou, Stefania, 2013. "Education and Economic Growth: A Meta-Regression Analysis," MPRA Paper 46143, University Library of Munich, Germany.
- Loening, Josef & Rao, B. Bhaskara & Singh, Rup, 2010. "Effects of schooling levels on economic growth: time-series evidence from Guatemala," MPRA Paper 25105, University Library of Munich, Germany, revised 16 Sep 2010.
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Truthfully those first two movies are pretty freaking fantastic. it's the third one that is so off the rails terrible from concept to execution that it makes you question whether or not you like the others.
but I think Nolan is fantastic. I think Batman begins is one of the best superhero movies ever. the problem is that super serious and super self-important superhero movies, any kind of super serious movie, always skate that fine line between art and pompousity. you will notice the first one has the most dry humor in it.
and when you're being super serious and you poop the bed with mumbleface bane and a terrible Thalia villain plot like he did in the third movie… oy!
I know people really like that movie but don't email me with it.
it is truly terrible and nothing you will say will convince me otherwise. I was there at the midnight screenings. I wanted to love it.
Do you also feel that the Nolan-batman triologie is overrated? Everybody is talking about how genuis and what a masterpiece this movies are, but for me it is far away from that. And I also think they don´t feel like real Batman movies.
A tribute to David Bowie's legendary album "Aladdin Sane", and one of Nintendos greatest characters.
created by the longandrichwater
The Peach Is Dead inspired by The Smiths, The Queen Is Dead

subset: commoncrawl


text:
The Return of the Herd
|Pieter Brueghel the Elder
|Oil on wood
|117 cm × 159 cm (46 in × 62 1⁄2 in)
|Kunsthistorisches Museum, Vienna
The Return of the Herd is an oil on wood painting by Pieter Bruegel in 1565. The painting is one in a series of six works, five of which are still intact, that depict different times of the year. The painting is currently in the collection of the Kunsthistorisches Museum, located in Vienna, Austria.
Note the painting's clockwise movement and its thematic contrasts. There is movement not just of the river flowing downstream, but of the cattle moving ploddingly uphill. This resolves into the mountains' march into the distance across the top, matched by the fold of the valley. One point of contrast is the ease of the water issuing downstream, against the visible effort of humans guiding their herd home, away from an inhospitable storm. The painting reminds us that human endeavor in working with nature for survival is a steady challenge. The mountains provide another contrast with their sharp, upward thrusts conveying a sense of timeless isolation, making a bleak backdrop to the farmers' familiar, daily labors.
|Wikimedia Commons has media related to The Return of the Herd.
External links[edit]
- Pieter Bruegel the Elder: Drawings and Prints, a full text exhibition catalog from The Metropolitan Museum of Art, which includes material on The Return of the Herd
|This painting-related article is a stub. You can help Wikipedia by expanding it.


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A Technicolor DreamDuring that bleak time in U.S. history known as The Great Depression, there was something called The Works Progress Administration, or the New Deal. In short, the government created an opportunity for artists, writers and musicians to put their collective muses to work in bolstering up the minds and hearts of people who had little inspiration left in their lives, while at the same time creating an opportunity for artists to put a little money back into their ragged pockets.At the heart of the WPA was a need to capture the moment on film, in writing, on canvas, and in melody. They were to take what was happening, and document it in a way that served both as a historic record and a celebration to the determination and grit that kept people alive and the tiny coals of hope aglow.Even beyond the government sponsored program, artists of all kinds heard the call of need and desperation. People needed escape. They wanted something that could transport them in that dark
Graveyard LilacsI miss the graveyard lilacsperfumed by memoryand watered by a streamtoo close to unmarked headstones.I miss the soft grass between theMaple trees and the Winstons,mother, father, and baby girlall asleep in tangled roots.I miss the sound of Sunday's best shoeson polished, engraved granite,Where tap dancing never disturbedanyone at all...And picnics after Memorial Daywere filled with fresh flowers and balloonsfloating above perfectly mowed grass,and hide-n-seek tombs.
haikuwrimo - July 20081st July 2008an eveningof wandering mothsand I, the moon2nd July 2008shadowed deerone glance awayshe is gone3rd July 2008new girlin the officeoh, a ring4th July 2008twilight - damned electric fence5th July 2008sudoku eveningrain battersagainst glass6th July 2008midnight's windchimesdreaming of scissors7th July 2008pouring rain,how many have shelteredbeneath this oak?8th July 2008all this rainand still the grassis golden9th July 2008eight o'clockthe maintenance crewsin convoy10th July 2008dropped sandwichthe five second ruleunbroken11th July 2008day off -staying in beduntil late o'clock12th July 2008after curryraindropson lips13th July 2008ant's nest?she asks, standingabruptly14th July 200821st centuryand still not walkingunder ladders15th July 2008head cockedthe crow inspectseach molehill16th July 2008stop relaxingand
Memory of a LullabyChapter 1:The silence shattered as the bells in the rafters above him began to sway and sound their morning tones. Kane, jarred from his meditation, sighed quietly and closed his eyes, leaning his head back against the beam that stood upright behind where he sat. The solemn melody played on for a minute or so before the bells fell to silence once more, having finished filling the air with their resonating tones as the people of Delmaska woke to face another day. Kane kept his eyes shut a moment more, trying to remember the broken pieces of the melody that had haunted him from his rest for the last few nights now. But they had fled with the sounding of the bells, like the black night from the mornings glow.He was perched in the rafters of an old church, defaced by time and run through with rot. The wall had even fallen away in one spot, allowing Kane a clear view of the cityscape and the sun as it rose over the east sector. Here in the vast sprawl of slums, he oversaw the poor a
whisperyour voice shivers throughme like breezes shakingtime-worn boughs(and I cannotresist thatancient call)slide your whispersalong skin, let themsink deep as bonebreathe my name,a fervent, sighingpsalmand I will lift myface to your sun andunfurl my limbssinging like new leavesdancing in thewarm windsof spring
Molly BrownA fickle whore was our dear Molly,who loved the lads in Allentown.She shimmered like a pearl-dust pollyand slipped a penny kiss through browneyes to us all who, baked and weddedwith our coke, forged steel and beddedthe promise of our pig-iron love,the ore she was unworthy of.Young Johnny Gunston lured her tremble,her summer vamp, and where the ryegrew wilder than the red bird's eye,he chined her spine in shadow-bramble.O Molly, why steal only one,and leave gold ingots for the sun?.
In Place of StrifeWe meet a man, who, at present, is down on his luck. He has recently been defined as surplus as a worker in a large holding company. His boss never even had the nerve to inform him and his 600 workmates face-to-face: they were informed by a middle-manager whilst he enjoyed lifes bounty on a cruise ship circling the Caribbean. The announcement was met with rage and horror by the workforce: tempers flared and despair reigned. Our anonymous protaganist was little different. Though refusing his colleagues call for an emergency session at the pub, he returns home and informs his wife of the days events. Though she tries to cushion the blow of redundancy, she realises how hopeless the situation could soon become.The next day, he looks for work. The next week, he looks for work. He must sign on in order to feed his family. A month goes by without work. He becomes bitter, depressed and desperate: all he can do is think of the man who put him out of wor
The Thing at the BottomThe Thing At The Bottom of The StairsOr, A Discourse On The Monstrosity of MonstersWelcome! Nice to meet you, dear. Come in, come in, don't just stand there hovering. Have a seat, make yourself comfortable, there's plenty of room. Would you care for something to drink? No? Settled then? Good. I suppose I should just get started with the tale, then, shouldn't I?I'll begin it in my favorite way, with the words that begin all fairy tales, though this is not exactly what you would consider to be a tale of the fairies. If you'd rather hear something about them, then perhaps I'll send you to a friend of mine, who would certainly be better able to tell you about those. This is, rather, a tale of monsters, you see. Still here? Good. Then I'll begin.Once upon a time, when I was a younger girl, my family and I lived in an old house in the city, which, as I came to find, was quite the haunted old mansion. My parents would often walk through ghosts, with nary a bit of realization, other
A Literature QuestionQ: I dread writing a report for my Early British Literature class. Is there a piece I can focus on that will satisfy my professor while still keeping me amused with crude humor?A: You've come to the right place, friend.In terms of mixing historical relevance, academic consideration and outright potty humor, one certainly can not go wrong with The Censure of the Parliament Fart, a 1607 masterpiece that has been attributed to a number of authors including John Hoskyns, Richard Martin, Edward Jones and Christopher Brooke.The poem stems from a March 4, 1607 meeting of the Commons in which one Henry Ludlow let loose with a quite audible rip during the reading of a message from the Lords. The fart had the effect of breaking the political hall down into a room of snickering schoolboys, leaving the messenger quite flummoxed.Like all great moments in history, this was recorded in a poetic form that wafted throughout the populace. Some changes were made over the years, but a soun
The Season CycleI - PyreIt is getting coldthese days. The limbsare running shy on leaves.Late dawn unveils a crisp world.Curling shreds of trees moundon the earth, shattering under our feet.I should be in a sweater, orinside, warm in fleece folds,or outside, raking up thebeautiful carcasses.So many incarnate flamespool around my stoop, then fadeto brown, or dust, or both.II - AshesEverything that livedis worn from a yearof exuberance.The colors are whispersunder powdered remains.They are all we have of fire now.All crystallizes, congeals,evaporates into grey.It owns a certain timbrethat sounds like the tenor bellsof eternity. They sing only one note,and this is it. III - KindlingWatery sepia hasowned nature for too long now.Hard angles melt into organicshapes, arcs and swirls.Tremulous petals yawn to lifeand crumble into a bedwhere seeds fall, quivering,for the first and last time.Newborn designs press their nosesthrough the loam.&
To Write Love on Her ArmsWere riding in the car like we always do, always on our way to somewhere else. Im driving, passing highway sign after mile marker, counting the interstates until we get where were going.Shes asleep in the passenger seat, skin porcelain pale in the choked dawn sun. Its streaming through the windowpane in flashes that mark time with the gaps in the trees, just a few hundred miles more.Somehow I cant see how this is a real thing, real like the way hearts break, but like floating up above here, just looking down into her beautiful face. I shake myself like it was only a dream, but here she is, right here in the passenger seat.Concentrate, just for a second, curve around the bend before I return to contemplation. I don't like where were going now, because to me she is too perfect for the fate that awaits her there, somewhere out beyond my lovers reach.But still I drive on through the puddles of sunlight, hoping that she wont wake up
Sir Cricket's PortraitOn a very rainy day, in a very rainy city... Sir Cricket von Marionette decided to have his portrait taken. You see, Sir Cricket had a ladyfriend whom he bestowed the utmost admiration upon. One could even say he prized her esteemed company beyond all other crickets in that drizzly town. Perhaps even in the entire land, though Sir Cricket von Marionette was not one to go galavanting too far beyond the streets of his beloved home.At any rate... this ladyfriend, Penelope Chirpington, had mentioned in passing that she would quite like to look upon the personage - or rather, the buggage - of Sir Cricket when time and circumstances were not favorable to their being together. In other words, she longed for a certain portrait, to keep on a certain table, which sat in a certain room that served as a place to pass the time, when not in a certain charming man-bug's company.Sir Cricket had a fervent desire to make this wish of Lady Chirpington's come true. And yet, where among the cobbles of th
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text:
Berwick ME, metal band Too Late The Hero has revealed their studio update video.
On the video, which you can stream below, showing Jared Wilbur on tracking the vocal for upcoming studio album.
Check out the studio update video below :
Too Late The Hero :
Jared Wilbur – Vocals
Nate Duckworth – Bass
Aaron Caple – Drums
Jack Stolz – Guitar
Kevin Billingslea – Guitar
Stream Too Late The Hero singles "Hold Your Applause" from the album "Statement Of Purpose"
get more information from their Facebook : https://www.facebook.com/toolatetheherome


text:
Getty Images
Grieving Chicago Bears linebacker Brian Urlacher is expected to play Sunday's game against the Saints in New Orleans, according to a local report.
"My first priority right now is to be with my family as we mourn her loss and make the arrangements to lay her to rest," Urlacher said in a statement. "This is a very difficult and emotional time for us and I sincerely ask that you respect our privacy. Thank you."
Urlacher's status at Sunday's game previously was uncertain, but a Chicago Tribune writer said he was told the linebacker would suit up after all.


text:
Receive 10% off your 4 night stay for travel between 5/8/14 - 10/1/14.
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Sunshine Village #178 is located in the heart of Mammoth Lakes, on the corner of Meridian Blvd. and Azimuth Dr. The Green Line shuttle stops right outside on Meridian for direct access to the ski area and Sierra Star Golf course. Shopping and restaurants are just a short walk away.Other amenities at Sunshine Village are heated pool, tennis courts in the summer, common bbq grill area, spa and sauna year round, nice rec-area with a pool table and arcade games. There is also a play area for the kids and video rentals at the office.
This unit is a basic one bedroom plus loft, one bathroom condominium unit that sleeps six comfortably. It has a queen bed in the master bedroom, a Eurobunk and a twin bed in the loft area. The unit has a cozy feel to it with a wood burning fireplace insert, TV, VCR, stereo with CD player and a well equipped kitchen.
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text:
A burglar finds an usual way to break into a mini-mart and the whole thing is caught on camera.
The break-in happened Tuesday morning at the Westside Shopper in Longview, WA.
That burglar, literally, dropped in while the store was closed, and the store owner was watching the whole thing from his home computer.
It's not the traditional way for a burglar to break into a business, but this one decided to cut a hole in the ceiling of this store and drop in.
"It's like a sneaky little prowler," said Mary Mclaren, who has worked at the store for the last two years.
The store owner happened to be checking his surveillance cameras around 4 a.m. from his home.
That's when he spotted something unusual and watched as the ceiling starting to fall.
"He saw a bunch of white drywall coming through, so he called 911," said Sam Yi, co-owner of the Westside Shopper.
The surveillance cameras were rolling as the suspect dropped in legs first and then makes his way around the back section of the store.
You can see him sneak around on the ground grabbing for some cigarettes.
"It looked like he knew where everything was," said Yi.
The suspect then heads to the back office and grabs money from a file cabinet before leaving the same way he came in.
"Angry and frustrated because we're just regular people trying to make a living and this guy just comes in and within five minutes takes what we did throughout the whole day," added Yi.
The suspect was gone by the time police showed up, but the damage was done and workers believe this suspect took his time to break in.
"Awfully gutsy to stay on the roof that long, at 3 or 4 in the morning and then to undo all those screws," said Mclaren.
Workers believe the burglar may be familiar with this store because oddly enough, they say, this is the exact same way someone broke into this store last year.
"Upset, violated, I want to get this guy and ring his neck," said Yi.
The store owner believes the suspect got away with about $3,500 in cash and cigarettes.
Anyone with any information should call Longview Police at 360-442-5800
Copyright 2012 KPTV (Meredith Corporation). All rights reserved.


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M&A Awards 2014
The 2013 M&A awards celebrate deal-making excellence in the mid-market. Whether you're a lawyer, accountant...
The perils of filing abbreviated company accounts
In an era of fast deals and big money, Tom Horsman, head of technology at Imprima, explains how a virtual data room aids the process.
As the baby boomers and millennials line up in the workplace, Watershed director Simon Middleton examines how the new concept of 'radical generosity' could lead to a generation of entrepreneurs paying it forward.
Recognising those who play a pivotal role in the process and shaping of the future...
The 2013 M&A awards celebrate deal-making excellence in the mid-market. Whether you're a lawyer, accountant...
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In this guide, we talk to six companies that are riding the crest of the exporting wave.
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As the five companies making up the shortlist for Europe's Allstar Company, GrowthBusiness profiles Achica, BlaBlaCar, Farfetch, NewVoiceMedia and Zound Industries to find out what goes into creating and growing a leading technology company.
Whatever the result of the Scottish independence referendum, the outcome will likely have a significant effect on the business landscape of the UK or divided nations.
Research report into the top-performing 100 companies below the FTSE 350 and on AIM.


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I am a Photographer, Mind Reader and Hypnotist living in Edinburgh, Scotland.
I am always looking for new models to work with - let's make some amazing pictures together!
I have had an interest in Mind Reading and Hypnotism since I was a child and they satisfy my urge to perform.
I'm also a bit of a geek - my day job involves supporting various high-availability services.
Veronica Belmont - about.me user since 2010
"First, customize your page. It's easy and fun to design!"
Hi! I'm currently living in (City), where I work at (Work Place) doing (Job Title). When I'm not working I like to (Hobby), (Interest) and (Passion). Connect with me!
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text:
75 Years Ago
March 31, 1939
A dozen living models will display new spring fashions for members of the Outlook Club at next Tuesday's meeting, to be held at the First Congregational church vestry. The fashion show is pre-sented by Malchman brothers, under direction of Mrs. S. A. Smith.
* * *
A 49-pound sailfish put Herbert I. McLane of Pin Oak way in the news in Miami last weekend. Mr. McLane's feat capturing a sailfish seven feet two inches long, on his first fishing trip in Miami, was mentioned on the radio in the Florida city next day.
* * *
Harvey's Hardware store, owned and operated by Harvey M. Martin, will be officially opened tomorrow at its new location in the Main street block of Charles L. Swift. Since Mr. Martin decided to move to larger quarters early this month his store in the Malchman block has continued to serve customers and the new store has been informally opened to the public for the past week.
* * *
60 Years Ago
April 2, 1954
Falmouth Veterans council, which represents the three veterans' posts, wants to remove the crumbling war memorial and its surrounding shrubbery from in front of the library. The council, however, asserts the memorial should stay until a suitable memorial is ready to go in its place.
* * *
A notice in this issue tells of an increase in the fee for plumbing permits to $2 for the first fixture and a dollar for each additional fixture. The fee has been $2 for a permit, regardless of the size of the job.
The Falmouth Blackhawks have closed the book on another season after writing a third successive town championship into their record. Tom Morton's crew have put another winning season behind them. This year's Blackhawks won 25 contests while losing only six.
* * *
40 Years Ago
April 2, 1974
In the only contest vote before this coffee break last night, town meeting proved to be generous. It voted to add to the salaries of five elected town officials, already raised by 5.5 percent from last hear, an extra one percent for each year in office up to 12 .
* * *
The three-member board of appeals got at least implied backing from its appointing authority, the selectmen, at the Precinct Five meeting on the warrant Wednesday night.
Article 43 of the warrant proposes to expand its membership to as many as seven. The finance committee recommends five members.
* * *
Scott Graham will appear on the Channel Five candlepin bowling program this Saturday, after winning the Cape and Islands Junior bowling roll-offs. Scott, 7, is the son of Mr. and Mrs. Edward F. Graham Jr. of 30 Harrington street.
* * *
Falmouth will have a community venereal disease clinic by the summer, according to Dr. Leonard A. Howard of East Falmouth, an associate of Karen Weinstein of Falmouth Helpline, who initiated the project.


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by Marcus Washington
SPRING HILL, Tenn. – Some Maury County students spent their spring break at camp learning to program computers, build websites and create video games.
It's already being predicted there will be more than one million tech jobs in the U.S. within the next four years, but fewer than 500,000 qualified people to fill those jobs.
While most kids spend their spring break playing video games, 14 Maury County students are programing their very own. For five days; six hours a day, these students ages 12 to 18, are learning what signs, numbers and letters all mean when you put them together.
"It's more than just, oh you're going to learn how to make a URL," said the only female Code Camp student Lyric McGloffin. "I am learning to make software. I am learning how to create a link that you are going to go to and be able to open this big web page."
Mitchell Taylor, with BizFoundry, says programing may look like a foreign language to many of us, but it's not as hard as it seems.
"[The students] can come in literally knowing nothing and can learn the basics and know what's going on by the end of the week," said Taylor.
This program is all part of Launch Tennessee, which focuses on job and economic growth. The goal with this particular program is to inspire kids to start their own companies or just have the qualification to get jobs in the growing computer science field.
"This is important stuff," said Taylor. "The United States Department of Labor estimates there will be a million job deficits by year 2020 in computer science."
What this class is doing is opening doors that many of these kids may have never thought to explore.
"By the time they leave they will learn the fundamentals of programming, the logic behind it and then they can take that on into later in the future and build on that," he said.
There are 10 of these Code Camps planned throughout the state this year. To get more girls involved, there are plans for an all-female class.
For information about times, costs and here you can find out about the times,cost and even scholarships for students, visit The CodeCamp.
Email: firstname.lastname@example.com
Facebook: Facebook.com/NC5_MarcusWashington
Twitter: Twitter.com/NC5_MWashington
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The median home value in Hercules, CA is $387,700.
This is
lower than
the county median home value of $414,600.
The national median home value is $170,100.
The average price of homes sold in Hercules, CA is $387,700.
Approximately 73.31% of Hercules homes are owned,
compared to 22.58% rented, while
4.11% are vacant.
Hercules real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Hercules real estate agent to arrange a tour today!
Learn more about Hercules Real Estate.
Surrender yourself to the elegance of this semi-custom home nicely set on 2.85 acres. This large, sparkling residence means that you find the perfect fit immediately. Enjoy the comfort of peaceful days and worry-free nights provided by the 24-hour gated community security. HURRY ... PRICED TO SELL!!
One of the Best Deals in the Area. Conveniently located close by hilltop shopping mall, café shop, restaurants and more. Spectacular Craftsman home in the Promenade! 3 bedrooms, 2.5 baths & office room. Huge Master Bedroom with walk-in closet. Steps away to the Bay, Open house on 08/24/14 2-4pm
Nice house in a great area. 2 bedrooms, 1 bathroom with a Master bedroom and a walk in cloth set on the top floor. a living room, family room and a kitchen room on the second floor. a play room, laundry room and a 2 car parking garage on the ground floor..
Priced for quick sale. Beautiful Victoria by Bay home; Housing 3 bedroom, 2 1/2 bath, updated kitchen/ family room, upper level loft and partially concreted back yard. Great Location!!
Affordable big house as a starter home. House is located in a quiet cul-de-sac . 3 bed/2 ba and a study room (can be 4th bed) on the upper level and 1 bed and 1 ba down. There is a fenced level backyard with gorgeous view of the valley. Spacious formal dining room and kitchen with eating area. There is also a living room with a fireplace facing the yard. 2 car side by side garage.
Fully remodeled nice town house close to Bay shore.New counters & cabinets in kitchen & baths, large master suite & closets, skylight, high ceiling ,fireplace, beautiful house lights. Washer & dryer in garage, newer water heater & central heater. Close to good schools. Open house Sunday 1:00-4:00pm.
Fabulous 3bd/2ba Cul-De-Sac house, remodeled bathrooms & kitchen w granite countertop, Pergo wood floor in dinning room, sweet orange and persimmon trees in backyard
2 Story well maintained townhouse in a desirable neighborhood of Hercules proper. Readily accessible by public transport or by car. Conveniently located close to shops and freeway access.
Foxboro Down, beautiful lower corner condo unit facing the park and view of hte forest like setting, wood buring fireplace, hardwood floors, new carpets, upgrades incl. granite in kitchen and bathrooms, newer appliances, washer/dryer in unit, AC, master suite with mirror closet, a Must See wont last
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San Francisco, CA 94129
Email Us | Visit our Real Estate Website


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Good call! I need to amend that Deadpool note. That book's gold!
I hope you crushed his heart into a million little pieces and every one of those pieces was kinetically charged and exploded inside him and he then realized the error of his ways. He will pine over you for decades. You will go on to find the true love you deserve, a person with whom you can read volumes of Cable Classic together in front of a roaring fire and love life.
You have done well.
That is a very good question! Deadpool is…Deadpool. He's fun to use and very wacky, but he's certainly not the best character strategy-wise in Marvel: Avengers Alliance. On the other hand, Cable is actually pretty amazing in PVP if used correctly and excellent in everyday use. I'm about to level Cable up to 11 (DP's currently level 10 as well) and he's pretty great.
My advice: go with Cable!
It's a toss-up between Cable and Deadpool. :)
Ever is impossible to speak to. That's, like, a long time. So…maybe? But I have no definite info for ya, sorry.
If you go digital, we're always adding Cable comics and collections to the Marvel digital comics shop and app.
Favorite super hero: Cable.
Favorite super villain: M.O.D.O.K.


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Pennsylvania : Ham Radio/Clubs/North America/USA/Pennsylvania
K3MJW SkyView Radio Society is listed on dxzone.com in 1 categories, main category is Ham radio clubs in Pennsylvania (Ham radio clubs in Pennsylvania). Listed in our web site since Sunday May 6 2007, received 180 total hits.
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Hello Kitty - Hot Water Bottle (Kitty Head)
Keep warm and cosy with the Hello Kitty - Hot Water Bottle (Kitty Head). Designed in the shape of Hello Kitty's head, the bottle features a plush cover that feels soft and luxurious to the touch. A cute and comforting way of keeping the cold away, this fabulous hot water bottle would make a great gift idea for any Hello Kitty fan. - L.M.
- Shaped like Hello Kitty's head
- Plush cover
- Will keep you warm and cosy
- A great gift idea
Dimensions: 31 x 22cm
Product Details
Delivery & Returns
How long will it take to arrive?
Please remember to add postal time (2-3 working days) to obtain a complete estimate of delivery to your door.
How will I know it has been sent?
You will receive an email to confirm when your item has been sent.
You can also check the status of your order and individual items by accessing My Account details and following the prompts.
Please allow 10 working days from dispatch of your order before notifying us of any late deliveries.
It may be advisable to check with your neighbours to see if a parcel has been left with them, check any outhouses you might have where it may be left if it cannot fit through your letterbox and contact your local sorting office to see if the item has been returned to the depot as undelivered and awaiting collection.
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This item is shipped to you directly from the distributor and will arrive separately from any other items you may have ordered.
Experience God's Miracles!
I will heal them and reveal to them the abundance of peace and truth (Jeremiah 33:6 NKJV).
Meet a minister's wife with only one day to live, a bride who is dying of appendicitis, a betrayed husband who is on his way to kill his wife, and a woman who is completely paralyzed.
Through Smith Wigglesworth's words and ministry, you will discover what happened in their lives and what can take place in your own life. Find out how you can...
Here you will discover how you can personally receive God's healing touch and how God can use you to bring healing to others, just as He did through Smith Wigglesworth. Christ's transforming power and grace will change your life from ordinary to extraordinary.
Paperback: 208 Pages
Smith Wigglesworth (1859-1947), known as the Apostle of Faith, had an international evangelistic and healing ministry. A plumber by trade, Wigglesworth's life changed dramatically when, at age forty-eight, he was baptized in the Holy Spirit and anointed with power for preaching and healing. Signs and wonders characterized his ministry. His unquenchable faith inspired thousands to receive salvation, healing, and the filling of the Holy Spirit.


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Itinerary A: with Española: 2013
Day 1:
Sat: Baltra - North Seymour
Arrival at the airport in Baltra & transfer to the dock. Check-in to your cabin. Introductory briefing & safety drill
North Seymour is a perfect introduction to the Galapagos Islands. Fauna abounds and you will soon find yourself surrounded by frigates and blue footed boobies. Keep an eye out for land iguanas and sea lions too!
Day 2:
Sun: South Plaza - Santa Fe
South Plaza Island, although quite small, is actually home to a large Opuntia cacti forest, land iguanas and one of the largest sea lion colonies in the central region of the archipelago. An endemic plant, Sesuvium, inhabits this island and is a great climate indicator as its color is a greenish-yellowish during the rainy season and a bright red during the dry season. You will also be able to see Nazca boobies, swallow-tailed gulls, other kinds of sea birds as well as different types of finches. Difficulty level: Moderate.
Santa Fe was formed by uplifting, rather than by a volcano. Some of the island's endemic species include the Galapagos Hawk, Galapagos Snake, rice rats, different types of finches, and the Galapagos Mockingbird. The visit includes a hike on a trail past salt bushes where Galapagos hawks as well as the Santa Fe land iguanas tend to roam. Playful sea lions may accompany you during your snorkeling activities.
Day 3:
Mon: San Cristobal Island
Punta Pitt is located on the eastern tip of San Cristobal Island and is a great place to see Nazca boobies and blue footed boobies. You will hike up to a plateau where the view and landscape are so spectacular it is definitely worth the effort. You can also enjoy kayaking, snorkeling and panga rides at Punta Pitt.
Located on the north coast of San Cristobal Island, this eroding tough cone offers a fantastic landscape as well as wonderful swimming, snorkeling and panga ride experiences. Cerro Brujo's gorgeous beach is also home to many sea lions and it's also the first coast where Charles Darwin first stepped foot on in the Archipelago! You will also see a beautiful lagoon used by the locals of Baquerizo Moreno Port for salt mining as well as two different species of halophytes (rare plants that grow in soils with a high salt content)
Day 4:
Tue: Floreana
Floreana is one of the Galapagos most famous, or shall we say, "infamous" of islands due to many strange stories regarding past settlers. There are many wonderful and diverse sites to visit including Post Office Bay and the "Baroness's Viewing Point". Marine life also abounds in Floreana's coastal regions making it a fantastic site for snorkeling. Flamingos also populate the island and may be seen during your visit.
The Baroness's Viewing Point is the perfect place to take in the special scenery that defines Floreana, and a great spot to learn about the mysteries of Floreana's early settlers.
In the 18th century whalers passing through the islands placed a wooden barrel on Floreana Island for use as an unofficial mail box. The tradition continues today as
visitors leave addressed postcards in the barrel and sort through left mail to deliver at home. This is one of the archipelago's most famous spots. Don't forget to look in your logbook for your postcards! For the more adventurous, there is an option for a visit inside a lava tunnel. This tunnel has been kept untouched and completely natural, so please, watch your step! Difficulty level: Easy to Moderate
A great site for bird-watching, Cormorant Point has a large lagoon where everything from Flamingos to Stilts and Pintail Ducks tend to roam. Don't forget your binoculars! Prior to the excurions, you will also have an opportunity to participate in a magnificent snorkel at Champion Islet.
Day 5:
Wed: Isabela
Elizabeth Bay is one of the furthest points of the Galapagos that we will visit on our cruise. We will enter a sheltered cove accessible by panga only – a wonderful mangrove ecosystem that is a refuge for sea turtles, rays, blue-footed boobies, penguins, herons and more.
Moreno Point is located just southwest of Elizabeth Bay on the west coast of Isabela Island. Observe and learn about different types of lava and pioneer plants while being surrounded by some of the most incredible scenery that Galapagos has to offer. You will also have an opportunity for a panga ride along the striking rocky shores. In the tide pools green sea turtles or white-tip.
Day 6:
Thu: Santa Cruz
On your visit to the Charles Darwin Research Station you will gain insight into the huge efforts being made by scientists, guides, rangers and park managers to preserve this UNESCO World Heritage Site. You will see the famous Galapagos tortoises that are the islands'namesake.
After the visit we drive to the green highlands of Santa Cruz, where you will visit a tortoise reserve to search for giant tortoises in their natural surroundings.
Day 7:
Fri: Española
Gardner Bay offers the chance to enjoy a wonderful white sandy beach. It is home to one of the most important colonies of sea lions, and it is also a nesting site for sea turtles. Throughout the morning there are opportunities for swimming, snorkeling and kayaking
Punta Suárez is one of the most popular and attractive sites in the Galapagos. Due to its isolation from other islands, it has a high proportion of endemic fauna. A few steps inland from the landing site, groups of Española marine iguanas bask in the sun. Further inland, Nazca and blue-footed boobies nest near the trail, Galapagos doves peck around unaware of visitors and finches go about their day to day business. The trail continues towards a blowhole, which is a fissure in the lava where water spurts high into the air like a geyser. The cracks in the cliffs are home to swallow-tailed gulls and red-billed tropicbirds. Further up the cliff in an area of low-lying trees you will find waved albatrosses nesting. The 15,000 to 17,000 pairs of albatrosses on Española represent almost the entire population of this species on the planet. They perform one of the most spectacular courtship rituals of the animal world.
Day 8:
Sat: Baltra
Mosquera Islet: This tiny islet is actually home to a huge population of sea lions and is also home to many shorebirds. While at Mosquera, keep your eyes peeled as there are occasional reports of dolphins and orcas.
Baltra airport
Itinerary B: with Genovesa: 2013
Day 1:
Sat: Baltra - Santa Cruz
Arrival at the airport in Baltra & transfer to the dock. Check-in to your cabin. Introductory briefing & safety drill
Black Turtle Cove is one of the most beautiful marine sites in the Galapagos. It is a complex maze of tranquil salt-water inlets, surrounded by three different species of mangrove. Its waters are a nursery site for sea turtles, rays and sharks as well as a nesting site for sea birds. This site is only accessible by panga
Day 2:
Sun: Rabida - Santiago
Rabida is a small island with red volcanic rocks surrounding a beautiful red sand beach, where there is a colony of sea lions and a pelican nesting site. The trail leads to a salt water lagoon where shore birds can be seen. Rábida is considered to be one of the best snorkeling sites in the Galapagos Islands, and you will also have the opportunity to go snorkel, kayak or panga ride.
Puerto Egas (James Bay) is located on the northwest side of Santiago Island. The landing is on a black beach with eroded rock formations in the background. The trail crosses the dry interior, where the remains of a salt mining enterprise can still be seen, and then continues along the coast. Tidal pools are home to a variety of invertebrate organisms, including sea urchins, octopus and starfish. You will also see marine iguanas, finches, oyster catchers and possibly the Galapagos Hawk. The trail leads to the Fur Sea Lion Grottos, one of the only places in the islands where these unique animals can be seen. After the walk, you will have time to swim or snorkel off the beach, where you will see sea lions, fish and maybe some turtles, rays and maybe some reef sharks.
Day 3:
Mon: Isabela - Fernandina
Tagus Cove was historically used as an anchoring place for pirates, buccaneers and whalers. Here you will see the names of hundreds of ships painted on the high ridges (a practice now forbidden). On the hike, the trail goes through an area of vegetation and the volcanic landscape of Darwin volcano. At the top of the trail, you will enjoy an incredible view of the whole cove and Darwin Lake.
The early morning activity is followed by kayaking or a panga ride, where you will have the opportunity to see a large number of blue-footed boobies perched on the ledges of the cliffs, as well as marine iguanas, penguins, brown pelicans, brown noddy terns and swallow-tailed gulls. While exploring the channel between Fernandina and Isabela Islands, we sometimes encounter dolphins and whales.
Fernandina Island is one of the most pristine ecosystems in the entire world and also one of the most dynamic. La Cumbre Volcano last erupted in April 2009, and also dominates the landscape, with lava fields stretching towards the ocean from its base. Punta Espinoza is a narrow piece of land where some of the most unique Galapagos species can be seen, including the flightless cormorant, Galapagos snakes, marine iguanas, penguins and the Galapagos hawk
Day 4:
Tue: Isabela
Urbina Bay is located in Western Isabela, at the foot of Alcedo volcano. This is the spot where the Galapagos National Park began their successful eradication of goats on Isabela Island. After a wet landing on a beautiful black-sand beach, you may be able to observe sea turtle nesting sites. This area is also known for penguin and flightless cormorant sightings and is one of the best places to see Darwin's finches as well as large land iguanas. Also, be on the lookout for Galapagos tortoises which like to feed within the site's dense vegetation.
Punta Vicente Roca is a wonderful snorkeling site, where you can usually see turtles as well as all kinds of fish. For those who do not snorkel, a panga ride will give you the opportunity to study some of the Galapagos' spectacular geological rock formations. Nazca boobies, pelicans, swallow-tailed gulls, marine iguanas, flightless cormorants and penguins are often seen in the area.
Day 5:
Wed: Santa Cruz - Charles Darwin Research Station
On your visit to the Charles Darwin Research Station you will gain insight into the great efforts being made by scientists, guides, rangers and park managers to preserve this UNESCO World Heritage Site. You will see the famous Galapagos tortoises that are the islands' namesake.
After the visit we drive to the green highlands of Santa Cruz, where you will visit a tortoise reserve to search for giant tortoises in their natural surroundings.
Day 6:
Thu: Genovesa
Genovesa, or Tower Island, is the northernmost island that is allowed to be visited by naturalist (non-diving) cruises. This island is extremely remote and home to literally millions of birds belonging to many different species including the red footed booby as well as frigates, swallow-tailed gulls and even endemic owls! There are two sites on Genovesa that are visited by the M/V Eclipse.
El Barranco, also known as Prince Phillip's Steps, is a steep path with stairs carved into the rock which leads to a plateau full of bird life amongst a Palo Santo forest. You will see Nazca boobies, Galapagos doves, mockingbirds and petrels. With some luck, you may spot a short-eared lava owl.
Darwin Bay's soft, coralline white sand is only the beginning of a spectacular excursion. A trail from the beach takes you into lush mangroves where red footed boobies nest. Other locals include sea lions, swallow-tail gulls, frigates and more. Snorkeling is a must here as sharks, colorful reef fish, rays and tortoises are common.
Day 7:
Fri: Bartolome - Santa Cruz
Bartolome is a small island that has two visitor sites. At the first site, you can snorkel around Pinnacle Rock, where penguins are usually seen. Then, it's back on board for a quick change of clothes followed by a short dinghy ride to a dry landing for a climb to the highest point on the island. On the way up, you will encounter different volcanic formations, including spatter and tuff cones, lava flow and lava tubes. From the summit you will have a wonderful view of Sullivan Bay. For those not interested in the hike, there is the option of a panga ride. Usual fauna and flora also includes sea lions, pioneer plants, reef sharks, rays and colorful reef fish.
The name Cerro Dragon (Dragon Hill) stems from the fact that it was one of the few sites on Santa Cruz Island where a healthy population of land iguanas were found in 1975. After landing at a pier, a hike takes to you to a salt water lagoon behind the beach, frequented by common stilts, pintail ducks and occasionally flamingos. A short walk up the hill leads you to a land iguana nesting site, with breathtaking views of the bay. You will have the chance to go swimming after the walk.
Day 8:
Sat: Santa Cruz
Las Bachas Beach is located in the north of Santa Cruz Island. Its soft, white sand is derived from decomposed coral, making it a favorite nesting site for sea turtles. Behind the beach there is a small brackish lagoon, where it is possible to observe flamingos and other coastal birds, such as black-necked stilts and whimbrels.
Baltra airport


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Neff Daily Velcro WatchSKU: #8389551
Product Information
- You find yourself looking at that empty wrist for the time? Grab the Neff® Daily Velco watch and never be late.
- Two-hand analog display.
- Protective ABS case with a hook and loop adjustable strap.
- Neff® logo on face, buckle and crown.
- Water resistant up to 50 m.
- Imported.


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What to watch in the ACC: Week 6
Source: ACC Football Blog - Oct 6, 2011 at 10:31 AM
Here are 10 things worth keeping an eye on this week in the ACC, in no particular order: 1. Bowl eligibility. If Clemson and Georgia Tech both win this weekend, they will become the first teams in the conference and only two of seven in the country to become bowl eligible this week. 2. The Coastal Division standings. One team -- Miami or Virginia Tech -- will drop to 0-2 in the ACC race. With Georgia Tech off to a 2-0 start for the first time under coach Paul Johnson, it's a borderline elimination game in Blacksburg, though it's not unheard of in the ACC for a three-loss team to play its way into the ACC title game. 3. Run defenses in Blacksburg. Miami and Virginia Tech have two of the ACC's leading rushers in Lamar Miller and David


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Girlie's Manor Apartments20 Quinn Cir, Madison, WI 53713 View On Map
For rates, availability, and other information fill out the availability request form and a representative from Girlie's Manor Apartments will contact you shortly
Girlie's Manor is located in the Madison Area in the 53713 zip code. View this apartment on a map.
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7 Universal Conversion Optimization Principles
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7 tested and proven optimization principles you can apply to your marketing funnel and increase conversions
17 real world case studies with before / after examples and results from split tests performed for clients
Read the book in just 25 minutes and get insights from 4 years of research and over 350 A/B tests
Copyright 2013 - ContentVerve.com
Tested and proven optimization principles you can apply to your online marketing funnel and increase conversions. Based on 4 years of research and over 350 real-life A/B tests
Michael Lykke Aagaard, Split Test Junkie, Content Evangelist, Online Copywriter ContentVerve.com
Inspiration for your own conversion rate optimization projects
The flexible template for a high-converting landing page
- Craig Sullivan, Independent Optimization Pro
"A book like this could easily be sold for a lot of money. But Michael has elected to give it away. All I can say is WOW...and get it today."
- Marcus Sheridan, TheSalesLion.com


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Can Kelly Slater Be More Than Just the Greatest Surfer of All Time?
by Mac Leesburg
The debate about the stature of surfing in sports mainstream can safely be concluded as something that we will agree to disagree about. Nevertheless, it is a sport... Read More »
Parko Conquers Slater and His Maiden World Title at Pipeline
by Mac Leesburg
Endless early morning alarms and countless hours in the ocean finally paid off for Joel Parkinson, 31, who captured his first world title in a storybook showdown on Hawaii's North Shore today... Read More »
Vans Triple Crown of Surfing: 30 Years of Posters and Winners
by Ryan Brower
The Vans Triple Crown of Surfing is referred to as "surfing's crown jewel." Just as horseracing's Triple Crown is comprised of three main events, so is surfing's Triple Crown... Read More »
Mavericks Surf Contest Begins
by Mac Leesburg
The Mavericks Invitational 2012 is the latest installment in the iconic big wave competition that features either the most courageous or the craziest surfers on the planet... Read More »
Kelly Slater Close to 12th ASP World Title in Billabong Pipeline Masters Finale
by Ryan Brower
As the Association of Surfing Professionals (ASP) World Tour heads to the North Shore of Oahu to wrap up the 2012 season via the Billabong Pipeline Masters, 41-year-old 11-time ... Read More »


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E-mail this image gallery
Summer fairs in Maryland [Pictures]
Outside of driving to the ocean or watching the Orioles, there's no activity that says summer in Maryland more distinctly than going to a carnival or fair.
"They all have their own flavor or spice to them," says Andy Cashman, assistant general manager of the Maryland State Fair in Timonium. "It's the biggest family event in the county or area. ... If you've been going to the fair since you've been a little boy, there are things that you want to run to and see right away. But there's always something new and exciting, too."
Here are a few fairs that should ensure that the remaining weeks remain festive.
-- Chris Kaltenbach
July 26, 2013


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OWENSBORO, Ky. - Louis Alvin Bennett 55 of Owensboro, KY., finally surrendered to his fight with cancer.
After months of fighting, he exhausted his admirable strength and will power losing his battle on the 12th day of September, 2013. Lou Bennett reunited with his daughter, Rebecca Lynn Bennett; sister, Juanita Marie Bennett Aull, and mother Joan Audie Bennett.
Lou was very proud of his wife, daughters and grandchildren. He patiently and lovingly guided, taught and advised his family to the best of his ability. This making him an amazing husband, father and grandfather.
Lou was a hardworking man that could handle dangerous jobs with ease and confidence. He was a great friend to many people. Touching their lives and not knowing the impact he had placed on his friends just by being around. He was a humble man. Lou enjoyed going out with his friends and family to play poker and sing Karaoke. He was an outgoing night owl with a wicked sense of humor and a stern hard working man during the day. Lou served in the Army and was honorably discharged. He was a member of the AMVETS.
Lou is survived by his wife, Linda of 33 years; daughters Jennifer and Amanda; granddaughter Jadica and grandson Talab; father Louis Arnold Bennett; sisters Barbara, Martha and Paula; brothers, Haskell and Danny; nephews, Shane and Christopher; nieces, Joanie, Kristan and Brittany, as well as four great nieces and five great-nephews.
Services will be 2:00 p.m. Tuesday, at Haley-McGinnis & Owensboro Funeral Home with burial to follow in Woodman Valley Church Cemetery in Ohio County.
Visitation will be from 4:00 to 8:00 p.m. Monday at Haley-McGinnis & Owensboro Funeral Home and from 1:00 to 2:00 p.m. Tuesday at the funeral home.
Share your memories and photos of Louis Alvin Bennett at www.haleymcginnis.com.
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FLOWERY BRANCH – Veteran free-agent defensive tackle Aubrayo Franklin visited the Falcons on Monday, according to his representatives.
Franklin, a nine-year veteran, has played with Baltimore (2003-06), San Francisco (2007-10) and last season with New Orleans. He was a fifth-round pick out of Tennessee in 2003 by the Ravens.
Franklin, 31, is 6-foot-3 and 320 pounds. He played for Falcons new defensive coordinator Mike Nolan, who was San Francisco's head coach from 2005-08.
–D. Orlando Ledbetter, The Atlanta Falcons beat blog
Get instant updates on Twitter at AJCFalcons and you can join the Facebook Fan page at AJC Falcons.
Continue reading Nose tackle Aubrayo Franklin visited Falcons »


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The Desolation of Smaug
lotr + gandalf the grey"So do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given to us. There are other forces at work in this world Frodo, besides the will of evil."
Orlando's last day on the set of The Hobbit (x)
Evangeline Lilly as "Tauriel" in The Hobbit: The Desolation of Smaug
New Hobbit poster!


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Reader Comments (Page 1 of 1)
Ah ranks. The wet-dream of the guild leader. But really, the ranks only work to separate the haves and the have-nots. Its absolutely amazing what people will do for officer positions, a position that, in fact, means absolutely nothing but more work. I'm an officer but I don't think i do much now. I do runs with my friends, but I'm often so busy doing those runs, playing my alts, playing with RL friends, i have no time to do officer duties, nor is it clear as to what duties being an officer entails.
My current guild uses a ranking system as a sort of e-pen thing without using officer ranks (GL doesnt want officer corps to get bloated). So basically if you do more stuff for guildies, you get a higher rank. Which is again, an absolute worthless thing, but you'll be amazed what some people will do. I guess in a game where people would spend days and months of their time to get epic loot, nothing should surprise me. But this is the same sort of thing that GLs can exploit for the good of the guild. Want the higher rank? Do this and that. It works well.


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SHEBOYGAN, Wis. (WHBL) - WHBL talk show host Jerry Bader was at Johnston's Bakery Friday morning to help raise money for "Families of Children With Cancer." It's an annual event that Bader is proud to be part of, and people in Sheboygan stepped up to be part of the annual campaign. Bader says on his website, "Christmas is a special day for all kids. It's extra special for children fighting cancer. You can help make their Christmas brighter. Join US in helping make Christmas special for kids who fight a battle every day. We're collecting gifts for Families of Children with Cancer's Christmas party December 10th." You can find out how to give or be a part by clicking here. By 10:00 Bader had collected a large stack of toys and over $2,000 in cash from folks in the Sheboygan area.
Kim Komando Show 9:00 AM - 12:00 PM
On Air Now.


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November 3, 2010
Is it possible for your cholesterol levels to be transiently elevated, and if not, what should I do about mine?
I know there are a lot of similar health questions.
Is it possible for your cholesterol levels to be transiently elevated? I visited my doctor for a routine physical and bloodwork right after a week with a lot of family visits during which we dined out at least five times in seven days. One of the dinners was extremely decadent (seven courses, expensive) and most of the others were not particularly light. I also baked two pound-cake like poppy-seed cakes, which everyone ate.
I had my cholesterol tested right after this course of dining. Total was 232; normal is stated to be less than 200. My HDL was acceptable, LDL 140; normal LDL less than 100-120. The doctor prescribes a low-fat diet.
I am not overweight (5'2", 108 pounds) and I am in reasonable physical shape. I can walk a mile in 15 minutes and climb 96 steps (long escalator) without stopping. I do not have other health problems except for slight hypothyroidism, diagnosed by the same doctor (I had not noticed anything), for which I take Synthroid. I also take an antidepressant (tricyclic). I am 39 years old. I am not keen on taking more drugs.
I think that I eat pretty healthily, aside from the restaurant week, which started to seem like food torture (Uncle: "Do you want to go to Starbucks? Do you want a cappucino, mochacino, double latte?" Me: "NO, PLEASE! BLACK COFFEE!").
I thought that I was doing OK because I don't gain weight easily (see thread about "What thin people eat"). Now I find that the fat is floating around inside my arteries, presumably. But I still don't eat deep-fried things, most cheese, cream, dairy, ice cream, hamburgers, fast food, etc. It is possible that I have let my diet slip, and I will try to cut out what I can. But I'm afraid that only the extremism of Dean Ornish or the raw-foodists will reduce my levels.
Except for the food-torture week, I already don't eat out a lot; I do the cooking in my family and I watch what goes in (no Paula Deen-type whole sticks of butter in one dish).
What I will really, really miss is chocolate.
I am not happy with this diagnosis, in part because I had a borderline eating disorder in college, weighed 91 pounds at one point and usually less than 100, and was persecuted (so I felt) by the campus psychiatrists and doctors. (It was my fault; I had tried out for track. There were other anorectic-looking women at the school, but nobody bothered them if they didn't go out for sports.) It was Me vs. The World back then, which was good for my studies (I sublimated) but not good for personal relationships.
Now I feel that I don't want this state of mind, which bordered on paranoia, to come back. I do not want the
Me vs. The World
mentality to return especially when I am trying to hold on to a job where there are many overweight people. I don't want to cause conflict at home either (in the anorectic I WILL NOT EAT THIS mode).
posted by
bad grammar
Health & Fitness
(15 answers total)
3 users marked this as a favorite
One thing that can transiently increase blood cholesterol is an unusually stressful event. I remember when a friend of mine was about to draw blood from a rat. An obnoxious coworker entered the lab behind her back, and suddenly made a loud exclamation, clapping his hands. She jumped, the rat jumped, she dropped the rat, and had to chase the rat all over the lab before she could catch it and draw its blood. Its serum cholesterol level was far higher that day than it ever was before or afterwards, for that particular rat.
Taking an inadequate dosage of thyroxine (your Synthroid) can also raise serum cholesterol levels significantly. Hypothyroidism is a
common cause of high cholesterol
. Is there any chance your dosage is not sufficient? It can take several months to see the result of a dosage correction on your cholesterol levels.
There are things that can transiently raise your cholesterol levels. Whether your current situation is transient is impossible to tell unless you have the tests repeated a few times. As a scientist, I don't ever trust a single data point. I've seen too many outliers that were never repeated again. That doesn't mean you'd be safe in ignoring this one. If I were in your situation, I'd try eating normally for a couple of months and have the test repeated. I'd also want to make sure my TSH levels were no higher than 1.0 mIU/L, since I personally suffer badly from hypothyroidism at higher TSH levels, even though this is well below the upper end of the "normal" range for TSH levels.
posted by
on November 3, 2010
Yes, it is possible to have transiently elevated cholesterol. But why not test it again, once you are on a good diet? Get on a decent diet, stick to it for 8 weeks or so, then re-test. That's the only way you'll find out.
In general, you don't want your Total Cholesterol to be too high (much over 200), but it's also very important to know your HDL to LDL ratio. If your HDL is high enough it can compensate (to a degree) for LDL (as long as your TC is not too high). In your situation, you want to lower your LDL, and if your HDL is not high enough to give you a good ratio, perhaps elevate your HDL. To elevate HDL, exercise (especially aerobic) - for males a glass of wine a day (not females though - the cancer risk outweighs the CV benefits). To lower your LDL - cut out as much saturated fat as possible (including stearic SF in chocolate - even though SSF does not directly elevate cholesterol, in studies, it still is associated with worse CV outcomes). Cut back on carbs, especially simple sugars. Dramatically up your soluble fiber intake (though do so gradually over a period of time). Here is also a
useful link
wrt. diet.
And definitely get retested in 8 weeks or so, once you've cleaned up your diet, to see if your lifestyle changes are working.
posted by
on November 3, 2010
Anecdata here: My cholesterol gets tracked pretty frequently because I donate blood every eight weeks and that's part of the information that's provided on their website post-donation. My total cholesterol varies by 20 or more points from donation to donation, depending largely on whether I've had a steak dinner a few days prior or not. (I am also hypothyroid, BTW, but I don't think that has any real bearing here. At least for me, my total cholesterol, HDL, and LDL didn't vary much pre- to post-hypothyroid treatment.)
So yes, cholesterol readings vary over time depending on what you've been doing (as you had suspected). The real issue is what your HDL is, for a few reasons. First, it is much less variable. Second, there is a world of difference between HDL and LDL, both of which contribute to your total cholesterol. My doctor considers the ratio between the two and proclaims my total cholesterol of slightly more than 200 "something to watch" but not treat.
posted by
on November 3, 2010
Track everything that goes into your body for 60 days. Until you actually know (and not just think) that your diet is good, it is pure speculation. I went through this earlier this year. In my case, I was averaging about 50% of my weekly RDA for cholesterol. So I ramped up the exercise a bit.
There can also be a fairly strong genetic factor for cholesterol. You can't do much about your DNA.
posted by
on November 3, 2010
Is your coffee filtered? Coffee can raise your cholesterol, but using a filter takes out the cholesterol-raising chemicals called diterpenes.
posted by
on November 3, 2010 [
1 favorite
I'm very interested in this question because I also had high cholesterol (don't remember the levels but it was high overall cholesterol as well as high LDL
high HDL which the doctor thought odd). And like you, I don't have a lot of other risk factors for heart attacks or strokes.
When I went to the doctor's to discuss my results, I figured I'd be lectured about changing my diet and losing weight so I started a food journal. I walked in and the nurse realized that I don't have any weight to lose, I was eating well and exercising. She just shrugged and said I should get retested in a couple years and keep doing what I was doing.
Anyway, I've decided not to worry about it.
According to what I remember from the doctor's
: cholesterol in combination with other factors (age, activity level, sex, weight) is linked to heart attacks and strokes. But cholesterol alone doesn't cause a huge increase in risk.
posted by
on November 3, 2010
Thank you for your quick suggestions!
I will try the dietary changes.
I do drink a lot of coffee, 2-3 cups a day. The pot has a metal filter. I can try cutting back, but I need to stay alert at work. I don't want to raise the aspartame-is-poison types, but I also drink a lot of diet soda (never full-calorie soda).
On the subject of food neuroticism, I have made clear that I don't want to go there again. I don't want to end up one of those people who spend all their time reading and daydreaming about cookbooks with traditional high-fat recipes that they would never cook and eat. Maybe I have attempted to relax my diet a bit in a mentally healthy way and now I feel had.
On the subject of stress, we do not get on very well with one of the relatives who visited during the "restaurant week." There were political arguments. I and my immediate family are liberal Democrats. The relative is a stereotype Republican (elderly, well-to-do, retired, investments). He is something of a know-it-all, but also kindly, which made the conflict worse for me. I don't know if three days of suppressed annoyance can actually raise your levels. ;)
My workplace is also fairly stressful, though I'm insulated from the worst of it. I've been on the job market for a "better" job since July and getting nowhere yet, and I've been trying not to feel the pain and fear.
posted by
bad grammar
on November 3, 2010
Switch to paper filters for the coffee.
posted by
on November 3, 2010
Cholesterol is of interest not in it's own right but rather as an indicator of possible calcification in the arteries. My cholesterol was high this last physical, so my doc suggested I get a CT scan to look for arterial plaque. There was none, so my doc didn't think medication was appropriate. Sure, it would bring the number down, but there's no point in treating the number - instead he would treat if I had the plaque, cause trays directly linked to bad outcomes. I say this just to suggest that you may want to look deeper than just the cholesterol numbers if you're worried about health risks.
posted by
on November 3, 2010
You don't have to do anything extreme in terms of diet (e.g., raw foods/Ornish) if you don't want to. Like an above poster suggested, track what you eat and try to cut out the "bad" fats. Replace them with "good" fats, like in oily fish. Eat oatmeal or Cheerios. Increase your fiber intake. You don't have to give up chocolate. You don't have to obsess about this, and you should really be aware of your behaviors/thoughts and whether you start slipping into your old disordered way of thinking about food. It's great that's already on your radar.
Have you had high cholesterol readings in the past? It's entirely possible that to get the good numbers you will have to take another medicine, because for some people it really doesn't matter how well they eat, their liver is just gonna make as much cholesterol as it wants.
If you try diet and exercise and your numbers don't budge, well.... I had similar cholesterol readings several years ago, for a few consecutive readings, so the doctor put me on simvastatin (generic Zocor). I cried, being put on a new medicine that I knew was probably not just a temporary thing. In one month, my levels went down to almost completely normal. After a year, they decreased my dose and I still have low LDL and high HDL. I also don't have any side effects from the drug, and it's pretty cheap, plus they keep finding new good things about statins...
posted by
on November 3, 2010
Please do not worry about cholesterol and your diet based on a single test result, and perhaps even a consistent series of test results. There is convincing evidence that the conventional wisdom -- lowering blood cholesterol through diet and/or drugs will reduce heart disease -- is incorrect.
Admittedly I am biased, because a family member has suffered serious impairment that I believe was a side effect of long-term statin use.
Food for thought:
The Great Cholesterol Con
The Cholesterol Myths
Duane Graveline, MD, MPH
posted by
on November 3, 2010
I am 32 and in decent shape; I can run 5K and I eat a mostly vegetarian diet. I have high cholesterol -- actually, it was much higher than yours (from what I understand, they don't call your total "officially" high unless it's over 240, and they don't call LDL high unless it's over 160). So I wouldn't panic if I were you, but if you do want to bring it down, here's what worked for me:
I managed to bring it down by 50 points (25 points of LDL) over four months, but I did it through basically trying to get my saturated fats as close to zero as I possibly could. (Realistically, I was aiming for 10g/day.) That meant no full-fat dairy at all, no butter, no chocolate, no coconut, and no snack foods with any saturated fat in them. (I figured that I'd save any saturated fat intake for meals where it was unavoidable.) I also ate oat bran for breakfast and took fish oil supplements.
I thought I was eating pretty well before, but clearly eliminating those things -- especially butter and chocolate -- made a huge difference. I think the key was that I was really strict about it -- I'm not sure how critical it was to be so strict, and I'm probably going to relax it a bit going forward, but that's what worked for me.
posted by
on November 3, 2010
Can you request a lipoprotein profile? My understanding (mostly from
Good Calories, Bad Calories
by Gary Taubes - an incredibly eye-opening book, especially around the science of cholesterol.) is that recent studies show you really only need to worry about your LDL level if it's primarily made up of the small dense type of LDL. The larger, fluffy particles have little correlation to heart disease and since the standard cholesterol test can't tell the difference, it's important to find out which kind you have before you make any dietary changes. IANAD, but as long as your HDL is high, your triglycerides are low, and your LDL is fluffy, you should be just fine.
posted by
on November 3, 2010
I think it would be better to get retested after a few weeks of your normal diet, in case the family food fest is the culprit. If it's still bad, then try to eat healthier and retest. (I give blood regularly and have them check my cholesterol, though, if you don't have an easy/cheap way to keep getting tested, this might not be a good idea.)
FWIW, my cholesterol is never high, but it's lower when I am on a low carb diet. My husband has had the same results. (His cholesterol was about 240 a few years ago, I made him go on a low carb diet with me, it was 170 a month later.) I am perfectly happy with sugar free chocolate, though.
posted by
on November 3, 2010
3rding paper filters - I dropped from a total cholesterol of 165 to 145 just by swapping the gold-foil filter out for paper. Here's
Science Daily
on some of the research.
posted by
on November 4, 2010
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Youth Volleyball League
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Play Begins: Sept 13
Contact: Debbie @ 801-229-7455
This league is designed to teach basic volleyball skills in a fun, interactive setting to children in grades 4-8. Tentatively, classes will be held at Mountain View High School on Fridays beginning September 12 for 6 weeks (no class on Oct 17). Teams will practice for the first hour (6-7 pm) followed by league play for the second hour (7-8 pm). VOLUNTEER COACHES ARE NEEDED!


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Signpost (Weber, Utah), 1991-10-251
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V)rfjJ5p FRIDAY. OCTOBER 25. 1991 VOLUME 52. ISSUE 21 T 1 1. t 3 V L-J J AT I ; II WEBER STATE UNIVERSITY Record enrollment means both honor and headaches GROWING PAINS: More students are staying at WSU, but who is going to pay the additional professor salaries? By CORY SOVREEN Staff writer of The Signpost Weber State University has reached an all-time high in it's student body this fall Community standards found hard to define By LAURIE M. WIRTH Asst. News editor of The Signpost "It is easier to be angry than hurt," was the comment of a black homosexual represented in the progTam 'Tongues Untied," which aired on KUED-TV, as part of a Point of View series. Clips of the program were shown at Thursday's Issues Forum as part of discussion of censorship in art and media: What is a "contemporary community standard?" The program included brief nudity and explicit language, but Scott Chaffin, director of broadcasting at KUED, said the decision to air the show is based on what they perceive to be the community standard, or what would be accepted. One purpose of the program, directed by black homosexual Marlon Riggs, was to increase public awareness of what he feels is prejudice against blacks, particularly black homosexuals. Riggs tried to demonstrate the suppressed anger and frustration which comes as a result of rejection and prejudice. Peter Schjeldahl, contributing art editor for "Art in America," "New York Times" and "Village Voice," part of the three member panel, said kno wring whether or not to air the show could be based on part of a global community with respects to freedom and tolerance. "Black homosexuals in the city as opposed to Mormons in small towns in Utah, as a community, are about as far as you can get from each other," Schjeldahl said. He said (See CENSOR page 2) um t ENTERTAINMENT Get your gripes out in the air with our new advice Information column. SPORTS 7 Dave Hall uses his sure hands to juggle football and V.P. responsibilities. quarter totalling 14,495 students. According to Administrative Services, a 7.8 percent increase in students has ocurred, up from 13,449 students enrolled last fall. This record high enrollment is a mixed blessing, according to university President Paul H. Thompson. "On one hand, the enrollment increase is proof that Weber State's brand of student- oriented quality instruction is attractive to both young people and older non-traditional students," Thompson said. "On the other hand, it creates a continu ing challenge to provide the kind of instruction for an ever-increasing number of students."The student-teacher ratio in Weber State classes is 22-to-l. Thompson said that for every 1,000 students added to the enrollment, the university would have to hire about 20 more teachers. More teachers cannot be hired without additional funding from the State Legislature. WSU's funding problem has been and wall be addressed during the next Legislature session. At the present time, there are no acceptance limits at Weber State, but talk has been brewing. For specific enrollment limits to be approved, the State Board of Regents, which is the governing body for all universities, would have to step in. "I don't know where we are keeping all of the students now," said Vice President Bob Smith. However, the Board of Regents is looking at possibly adding a set of minimal admission standards that would revolve (See GROWTH page 2) T's for two $ . L J i DANELLE MABEYWf SIGNPOST JENNIFER WHITNEY helps two members of the Melba S. Lerner Children's school located in the Education Building celebrate Red Ribbon Week for drug awareness by painting T-shirts with spray bottles. World is available to those who search the VAX By B. A. BRIDENBECKER News editor of The Signpost On Thursday, August 22 at 7:06 a.m. Moscow time, during the three-day Soviet coupattempt, a message was One WSU received over the wire from Moscow. student left Thanks a lot for your sup- a message port during these terrible on one of days! ..." and continued, the world "DON'T TRUST CORBY!!! hotlines. He In my opinion, there is 90 checked that the putsch was organ- his "mail- ized by him...!" box" later The medium was a and found computer; the receiver, a nearly 50 student at Weber State. responses The message contin- from places ued, "During the first night like Brazil, the (Russian) White House Ivy League was defended by 15-25 schools and thousand people and ten Hong Kong, light tanks from Tamanskaya division that decided to protect the lawful government..."After I went 100 meters to the Sadovoye Ring, I heard several shoot ings. Since they were somewhere in front of me, I didn't stop. But then I saw the tracer bullets above my head, I had to stop..." The messages came over the VAX computer system. VAX is the name given to the system by its manufacturer, Digital Equipment Corporation. The On Tuesday May 7, 1991 at 1 :53 p.m. EDT. a message came over the wire. "Compelled by the dramatic course of events in Croatia, we, the chancellors of the universities of Croatia wish to address to our academic colleagues and friends and the entire world communities the following declaration and appeal for solidarity..." On Wednesday, August 21, 11:33 a.m. EDT another message: "We, the scientists from the Institute of Physics of the Estonian Academy of Sciences, using the communication channels YET at our disposal, turn to our colleagues scientists all over the world, but also to all people, respecting democracy, rights with the following appeal..." system is literally linked to the entire world via INTERNET through a computer service called ComScrve, administrated at Yale University. Messages arrive for WSU users from places as distant as Brazil, Hong Kong and Moscow. INTERNET is a computer network which enables users to communicate with other mcmbcrsof that network, as well as databanks that contain billboards and hotlines. It is a system to which every WSU student who pays tuition and student fees has access. For example, one student left a message on one of the hotlines asking for definitions and experiences with the subject of politically- correct speech. A few days later he checked his "mailbox" and found nearly 50 responses from places like Brazil, Ivy League schools and Hong Kong. The system also al lows students and faculty on campus to talk to each other by leaving messages sent to another's "address" or by using the "phone" option, which allows two-(See VAX page 3)
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|Signpost (Weber, Utah), 1991-10-25, Vol. 52, No. 21
|Weber State University
|Associated Students of Weber State University; A generous grant from the Utah State Library and the Institute of Museum and Library Services.
|Weber's current student newspaper, the Signpost, first appeared on September 29, 1937. For two years prior to that time, campus news was disseminated via announcements posted on a bulletin board known as the "Signpost". As a result, the masthead of the first issue of the paper itself featured a rudimentary wooden sign with the title spelled out in rustic-looking letters. Over the years the paper has been published continuously, though the look, size and style has changed several times.
|Date Original
|College student newspapers and periodicals; Weber State University
|Digital Format
|Publisher Digital
|Stewart Library, Weber State University
|Date Digital
|University Archives LD5893.W55 S5, Stewart Library, Weber State University
|Digital Identifier
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|Public Domain. Courtesy of University Archives, Stewart Library, Weber State University.
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CDS demonization watch, Bloomberg edition
Bloomberg View's Mark Buchanan has been taking a long, hard look at a 2009 paper by Italian physicist Stefano Battiston, Joe Stiglitz, and others; he explains what it says quite clearly and accurately on his personal blog. Basically, the paper quantifies the concept of "too interconnected to fail": when you have a financial system with lots of banks, all of which have exposure to each other, then the system itself becomes much more fragile.
Here's the chart:
What you're looking at here is a blue-dotted "baseline", where the probability of failure falls steadily as the number of counterparties goes up, and a sold-red reality, where a few counterparties help, but a lot of counterparties only serve to reinforce trends, exacerbate downward credit spirals, and generally increase systemic fragility.
So far so uncontroversial. But equally, there's absolutely nothing in this paper to justify Buchanan's Bloomberg headline: "Credit-Default Swap Risk Bomb Is Wired to Explode".
There's a germ of an interesting point in Buchanan's column. Because the CDS market is unregulated, no one knows the degree to which it makes this syndrome worse, and exacerbates the interconnectedness of the financial system as a whole. So there's a strong case to be made for moving the CDS market onto exchanges, where it can be watched far more closely.
But the paper Buchanan's talking about never mentions the CDS market at all. And although Buchanan talks a lot about credit default swaps in his column and in his headline, the fact is that all of his points apply to just about any kind of interconnectedness. The paper concentrates on credit — the interbank market, basically. Buchanan extends that to credit default swaps. But most interbank derivatives exposure is not CDS related, and most of Buchanan's points about CDS also apply, mutatis mutandis, to derivatives exposure more generally.
And this is far from convincing:
What reduces risk for individual institutions in small quantities spells trouble for the larger banking system when pushed too far. This is especially worrying when you consider that the number of CDS contracts outstanding on European sovereign debt has doubled in only the past three years, even after the AIG catastrophe. We don't know if similar dangers lurk in the network of CDS contracts that links European banks with one another, as well as with banks in the U.S. and elsewhere.
Firstly, the amount of CDS written on European sovereign debt is tiny. Yes, it has increased over the past few years, as the Euro crisis has gotten steadily worse. These are called credit default swaps, after all: you only care about them insofar as you care about creditworthiness, and up until a few years ago European sovereign creditworthiness was not really an issue on the radar. But the European sovereign CDS market is still very much a backwater as far as the CDS market as a whole is concerned. (You can see one reason why when you look at Greece, where it looks very much as though in the first instance there's going to be a sovereign default without a credit event.)
And secondly, we do know, pretty accurately, how much CDS protection has been written on European banks. We know this for the same reason that we know how much CDS there is outstanding on Greece: the DTCC does a very good job of keeping track of such things.
One of the interesting lessons of Lehman's bankruptcy was that its CDS settled without a hitch, despite a lot of apocalyptic forecasts on the subject. That doesn't mean the CDS market is fully robust, of course: it's just one datapoint. But in the wonky world of counterparty hedging, the kind of effects that Buchanan is talking about are the first and biggest worry facing any desk. They're not some kind of forgotten detail; they're the whole reason why counterparty hedgers are in such demand in the first place.
It's fair to say that CDS are more problematic than other derivatives in terms of interconnectedness issues, because of the "jump risk" involved and the fact that moves in CDS prices can themselves cause worries about a bank being close to failure. But it's not fair to say that there's a "risk bomb wired to explode" here. Banks don't, in point of fact, hedge their European sovereign credit risk in the CDS market — if they did, the European sovereign CDS market would be much bigger than it is. And sovereign-debt crises are always banking crises, regardless of whether CDS even exist or not.
So while it's fair to say that a sovereign crisis in Europe could threaten the entire banking system, it's not fair to blame that fact on CDS. It would be true even if CDS had never been invented.
Then why are the euro banking authorities going to such great lengths to avoid the official recognition of a "credit event" that would cause the CDS to have to be settled? If the CDS protection the Greek debt isn't significant, the surely it would be easier to just admit that the writedowns on the Greek debt are a default and the banks will just have to suck it up. Are they delusional, or are you?
What happened to MF Global? Was their bankruptcy caused by a series of stupid bets or by the failure of CDS to trigger in the Greek default?
Reminds me of the maxim, don't invest in anything you don't understand. Clearly they didn't properly understand whatever they were investing in.
Theres nothing inherently wrong with CDS's, except they get completely abused. That can be pretty much stopped by two simple changes, the first of which is if they're going to allow naked CDSs, where anybody can bet on a loan defaulting, even if they are not a party to it, then those kinds of bets need to be brokered by professionals: the casinos. They've been dealing with things like this for decades, and will price the swaps accordingly so there is no domino effect when a default happens.
The second change is if they're going to let insurance companies like AIG write insurance against defaults, they need to prove they have enough liquid reserves to cover losses without bringing down their counter-parties. If they need to use assets with no public market, only a small fraction of the asset's value should be allowed to be used as collateral (like maybe 20%). Letting insurers use a lot of leverage to cover their bets is the mechanism that amplifies risk to the financial system. Putting limitations on how swaps are covered will increase the cost of them, and reduce the demand for them, limiting their impact on the overall financial system.
Generic CDS's will never become broadly used, because the accountants won't allow it. Unless cashflows and term structure matches, swaps won't qualify for hedge accounting. Sure, generics fine for speculators–but the big money is in hedging.
Read FAS 133 and IAS 39. The accountants got together and said that unless a derivative is bespoke, all g/l has to go through the income statement, while the hedged item remains accounted for at cost.
Oh well. Sure glad those folks at FAS and IASB are thinking about the second and third-order effects of their decisions.
One reason euro authorities may not want CDS trigger is that it would be harder to claim that Greek bonds at ECB should be held at cost instead of market. Or put differently, if you marked the ECBs balance sheet to market today, how would all these sov bond purchases look?


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