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Although it is small and compact, it delivers a sound that will astonish you with its power, precision and depth.
Looks can be deceiving. Especially when you see BeoLab 3 for the first time. Although it is a small and compact loudspeaker, it delivers a sound that will astonish you with its power, precision and depth.
The shape of BeoLab 3 is distinctive, without any sharp edges. The acoustic lens, designed in
accordance with the properties of the ellipse, contributes further to its highly differentiated look. The visual expression of BeoLab 3 changes with the many placement options, ensuring that
it always fits in with your living environment, challenging preconceptions or disappearing visually
For B&O, the philosophy has always been to reproduce sound as authentically as possible. To produce pure sound that is true to the original, we have to master the knowledge of sound processing from the source to the ear.
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The two ICEpower amplifiers in each BeoLab 3 produce very little excess heat, so there is no need for the cooling space often necessary with traditional active loudspeaker construction.
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The acoustic lens delivers the sound horizontally 180 degrees in front of the lens, resolving the limitations of the 'sweet spot' of traditional stereophonic sound.
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The ultimate listening experience is now wireless. Playmaker works with both Apple Airplay and DLNA so that anybody can unleash their digital music from practically any smartphone, tablet, Mac, PC or media server. Finally, you can truly enjoy the intensity, depth and precision in the songs you love.
Just add Playmaker to any set of Bang & Olufsen active speakers and enjoy breathtakingly real sound in seconds.
Meet Playmaker
Whether your smartphone's packed with heavy riffs, screaming guitars or whisper thin vocals, you'll be amazed by the details you've been missing in your music. To experience the difference a Playmaker can make to your favorite songs visit a Bang & Olufsen store now. We promise, you'll be overwhelmed.
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The Carhartt Men's Sandstone Sierra Jacket J141 is sure to keep you warm with it's sherpa lined body and quilted nylon lined sleeves. It's built with 100% cotton sandstone duck which means this heavyweight is tightly woven with no gaps making it wind and snag resistant. Much like Carhartt it is also known for it's quality, durability and comfort.
- Fiber: 12-ounce, heavyweight, 100% cotton sandstone duck
- Body Lining: Sherpa
- Sleeve Lining: Quilted-nylon
- Field-Tested
- Attached sherpa-lined hood
- Two interior pockets
- Two exterior pockets
- Left chest pocket with zipper
- Main seams are triple stitched
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SKU J141 Model J141 Width No In Store Only No
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For over 120 years, Carhartt, Inc. has been committed to offering the finest workwear products and customer service available. We stand behind the quality, craftsmanship, and performance of all our products. We use only the finest materials and apply strict quality control standards to each and every garment and accessory that we sell. Our goal is to ensure your satisfaction with each purchase and provide you the best possible service for years to come. Since all apparel has an expected service life, this commitment does not cover damage caused by normal wear and tear (including zippers and other hardware), misuse, neglect, or obvious abuse of the garment. Carhartt, Inc. assumes no liability for garments that have had alterations, embroidery, or other ornamentation added to the garment. 30-Day Twill Wear Guarantee If you are dissatisfied with your twill work wear purchase for any reason, you can receive a full refund if you contact us within 30 days. Start by visiting our 30-Day Wear Guarantee page and filling out the return form. We will send you a prepaid shipping label through email or U.S. mail. After receiving your prepaid shipping label, send your garment to us and let us know why you are returning it. We will issue your refund by check within 60 days of receiving the product.
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Court sets date for hearing of lawsuit against Monsanto
On Nov. 21, the Court of Appeals for the Federal Circuit in Washington, D.C., announced that it would hear the Appeal of Dismissal in Organic Seed Growers and Trade Association et al v. Monsanto at 10am on Thursday, Jan. 10, 2013. The landmark organic community lawsuit was originally filed in Federal District Court, Southern District of New York, in March 2011.
OSGATA et al v. Monsanto challenges the validity of Monsanto's transgenic seed patents and seeks preemptive court protection for farmers when Monsanto seed trespasses onto their farms and contaminates their crops. Should contamination occur, innocent farmers would be placed in legal jeopardy and could be held liable by Monsanto for patent infringement because of the farmers' "possession" of Monsanto technology without having paid royalty on that "possession."
Plaintiffs are being represented in the case by lawyers from the Public Patent Foundation, who are providing their legal services to the farmers pro bono. Plaintiff lawyer Dan Ravicher asked Monsanto for a binding legal covenant guaranteeing family farmers that they would not be pursued for patent infringement should they become contaminated by Monsanto seed. Monsanto refused to provide this assurance to the farmers.
The farmers' Appeal brief, filed last summer, cites legal and factual errors by Federal District Court Judge Naomi Buchwald which in total caused her to erroneously conclude that the farmers lacked standing under the Declaratory Judgment Act to seek court protection.
In addition, two powerful Amicii briefs were filed in support of the farmers' position - one by a group of 11 law professors and another by a group of 14 non-profit agricultural and consumer organizations. These briefs will be studied by the three judge Appellate panel during their deliberations.
"American family farmers have gone to court seeking justice and protection from Monsanto. We are not seeking one penny from Monsanto," said Maine organic seed farmer Jim Gerritsen, President of lead Plaintiff Organic Seed Growers and Trade Association.
"We satisfy the requirements of the Declaratory Judgment Act. We want our day in court so that our families can achieve protection from this perverse injustice. We are prepared to prove at trial that the U.S. Patent Office improperly granted Monsanto patents on their genetically engineered seed and that those patents are invalid," said Gerritsen.
OSGATA has re-established its Farmer Travel Fund in order to raise funds to enable family farmers to travel to the Oral Argument in January. The Farmer Travel Fund is in immediate need of contributions to support this convergence of farmers from across the United States in solidarity for the OSGATA et al. v. Monsanto lawsuit effort.
Plaintiffs believe it is critical that the courtroom for the Oral Argument of this major lawsuit be filled with concerned Plaintiff-farmers in order to visibly demonstrate that the case is not just an academic dispute of patent law. Rather it is a monumental issue affecting the rights of American family farmers, with implications of global significance.
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Monsanto is possibly the most insidious corporation since nazi Germany. I'm so glad folks are standing up to them.
I'm not saying they aren't about profit but they are about progress and follow through. Doing things status quo is not going to feed the world in 20 years. Organic crops do not provide any more nutritional value than the GMO crops I raise. Compared to my grandfather though I have reduced the pesticide load to 25% or less than what he did in his time and produce twice as much or more. A lot of this is thanks to Monsanto and their progress in the Bio-tech arena just think a little bit before you judge.
I'm not saying they aren't about profit but they are about progress and follow through. Doing things status quo is not going to feed the world in 20 years. Organic crops do not provide any more nutritional value than the GMO crops I raise. Compared to my grandfather though I have reduced the pesticide load to 25% or less than what he did in his time and produce twice as much or more. A lot of this is thanks to Monsanto and their progress in the Bio-tech arena just think a little bit before you judge.
I didn't realize Nazi Germany was a coroporation. I have been working as a consultant for them for the past 5 years and found them to be great people. In regards to this lawsuit and this article, I find them both laughable and full of holes. Funny how Monsanto always gets a black eye, but their biggest competitor has been pulling some of the most unethical business practices for years, and nobody seems to care or notice
I agree Mike Trout! Time for change and only WE as a country can do it!
WE as a country can do it! I can hear you smacking your gum and twirling your hair from here Andrea...and it is annoying.
While GMO;s have delivered substantial benefits on yield--for Monsanto the best yield results have been in their "lobbying" (read vote buying) in the U.S Congress. Can you believe that if Monsanto's GMO traits infect the organic farmers seeds/ produce--then they (the organic farmer) can be sucessfully sued by Monsanto? The farmers are not asking for one cent. They just want protection from this perverse violence on the law. Rest assured they will not get it ! Unfortunately. A jury will sympathize. The higher courts (as an extension of Congress) will ensure special interest groups agendas will prevail over the citizens will. Food Supply Control--anyone?
This was a frivolous lawsuit from the get go by the organic growers. There never was nor ever will be the type situation that is the premise for their lawsuit. This is really about the organic movement in general, which has morphed from a niche market serving those "trendies" looking for eternal life here on earth to a full blown socio-political movement manipulated and controlled by well-to-do food elitists who are engaged in a well coordinated attack aimed at disrupting modern American agriculture. It is a also a cynical form of economic bigotry in that these snooty elitists would gladly impose their expensive will on a world that cannot be nourished or sustained if their high priced and non sustainable system (organic) is forced on the rest of us.......a product that is proven to be no more safe or nutritious than conventional produced crops, including GMO's.
If, as you say, there never has been, nor will there ever be, a type of situation which is the premise for this lawsuit, why then does Monsanto not just agree to never sue the organic grower? Seems like a pretty simple answer to me. Makes a sane person wonder what truth Monsanto knows that they don't want you to know.
Mike have you actually researched and studied GMOs, they are the most harmful thing to be released into our food supply in the past 20 years. They provide little to no value, you can't even produce oil from GMO corn. GMOs cause cancer and infertility. I believe in progress as much as anyone but GMOs at their present state are far from safe and should be banned all together until more research is done or in fact done in the first place.
So true. Other than that I would like to urge everyone to steer clear of GMOs as a rule. Also, keep in mind that Monsanto was behind the release of Aspartame ( Methanol) to the general public. Since its release in diet sodas and now many foods the incidencesiof auto-immune diseses have climbed from a rich man's disease to a common thing in the middle class and the even less affluent public. Aspartame is not the only Methanol to be concerned aboutbecause Methanol also forms in Canned friuts and veggies. If in doubt look up "When Science Sleeps" in your search engine. Please do your own research! Gmos are even more dangerous than Aspartame!
Wow, what a contrast in views. The GMO industry, like any new technology has it's reservations. The contrast in views today, is not unlike the dispute between Tesla and Edison regarding AC vs. DC systems. Electricity is something you can live without, but few choose to do so. I think the real issue is seed production. If you are a conventional seed grower and pollen from GMO crops migrates into your field after which you sell that seed, and it is found to contain GMO traits, should you be guilty of patent infringement? I was there when David Padwa announced his intention to focus on improving seed via biotechnology methods. I was there when the first field trials employing modified crops were conducted. I was there when Monsanto representatives claimed that pollen contamination to conventional seed would not occur. We aren't always correct in our beliefs. I am told we have data which contradicts the last assumption. Some of us were a little skeptical when that claim was made. Indeed, conventional seed growers need to be indemnified when unintentional pollen contamination occurs. There is concern though, that an unscrupulous seed grower might do so intentionally. Here is where patent protection is intended. So, as you can see, it is challenging. This really isn't about whether people are nice or not. It is about protecting a huge financial commitment. At the same time, it is about protecting the small conventional seed grower. To throw it out of court might be wrong, but to negate our patent process would also be an error. I hope the courts will consider this very ethically and to the best interest of both parties. Food quality issues must be addressed by the FDA and EPA.
Just reading most of these comments makes me realize that this issue is still not being addressed correctly in this country. Before you make a comment - EDUCATE YOURSELF! Genetically Engineered is NOT the same as Genetically Modified. Look in the mirror - you are genetically modified - a natural cross (mating) of two genetically different DNA strands (your mom and dad). GE is the crossing of two genetically different DNA strands from completely different species (ex:plant and pesticide) and would never happen in nature.
Your assertion that Genetically engineered and Genetically modified are different is, in fact incorrect. That science was first introduced to the public as "genetic engineering". There were some who felt that "biotechnology" was a more socially acceptable term, so then it became popular. When the U.S. government finally got involved, it adopted the term "genetically modified organism" or GMO. It amazes me to here people talk about what will or will not occur in nature. Ones high school diploma will not happen in nature. People have always argued against new science, case in point Galileo. There is a respectful middle ground where learning and advancement can occur.
How are your honey bees doing?
How are your honey bees doing taking home pollen from registered insecticides like GMO corn?
That is the most ridiculous thing to say that gmo is as nutritious organic grown food. How could food possible be good if it is killing all of our bees. If gmo takes over the Universe there will be no food at all. If GMO is so great then tell me why there are so many diseases coming about. Celiac is a good example. Something changed. Just like the pesticides built right into the gene of the ear of corn. How can that possibly be good. I do not buy any processed food and I will not buy anything gmo. So I guess the brave people who are not afraid to label their food.....are not trying to hide anything. Well it is perfect that the food and drug are tied together. The food will poison the unknowing person the medicine for the issue will eventually kill them. Just perfect! What has our society come to. I will play no part of it. Politics are involved big time. The whole thing makes me quite ill.
My high school diplomia does not make pesticides nor does it grow in spite of being sprayed with round up then end up served to living beings in place of food.
Regardless of how you feel about Monsanto as a corporation or the people who work there, the issue here is that farmers can have their crops contaminated through no fault of their own and then be sued for patent infringement by the makers of these GMO's. These farmers are simply asking for protection from prosecution when they have done nothing wrong.
I hope that they nail them to the wall for doing this crap. Monsanto is a thief!
Can't make oil from GMO corn? That has to be the most idiotic statement I have heard in all my years in Agriculture. Where do you think all the corn oil comes from? GMOs cause cancer and infertility? Really? That has to be the biggest lie in these posts. Show me your data. Show me your research. Show me your proven links to these profound untruths. And, don't bring up the study of that biased French weasel who has been uncovered as a paid fraud. It really amazes me that all you people support starvation in third world countries with your ignorance, blind hatred and non stop bashing of American Agriculture and anything related to it.
I the last decade there was a study done by the Mid Atlantic Apiculture Extension to find out what was causing the bee hive die off. They suspected parasites, bt pollen, or insecticide use. There was no evidence found to connect bacillius thuringiensis and the colony colapses. They are still trying to figure out what is causing it.
Toots, you have been mislead that organically grown food is more nutritious than regular foods. The only ones that promote this are the organic food growers and sellers. No credible scientist would back up your claims. Do not think that just because something is organic that is automatically healthy or healthier! Insect damaged grains are much more suceptable to Mycotoxin development. Bees aren't being killed by GMO's either. Each GMO product has very specific insects the trait target, saving all beneficial insects and non target insects. This allows grower to quit using broad application insecticide sprays that kill everything. Great example: An organic grower can use Dipel insecticide on their sweetcorn, a naturally occurring Bt. If a seed company has the corn plant modified to manufacture this same Bt, organic people go nuts! Yet the organic grower will put on 8-10 times the amount of NATURALLY occuring pesticide. Stupid! Please become educated on modern agriculture and don't push your flaued ideas on the rest of us. This isn't Politics this is survival. This ignorance is making me quite ill.
Thanks Bob ! Truth well spoken ! Kinda like HSUS saying their saving pets, While fighting to put an end to the American livestock industries.
Heather, what organic store do you work at? Wow, your comment that they provide little to no value is about as idiotic as your first comment. With the harshest weather we've seen in the last two years for the corn belt, we've big crops because of the miricle of science. You spout out non truths like they are gospel, yet have no real science based facts. I bet you can find more cancer causing agents in a bag of organically grown grain than you can in a bag of genetically enhanced grain. Please Heather do not submit anything to these comments unless you have something else than what you read on the back of your Organic labels. They are over priced with benefits over promised. Infertility in our society is mainly due to parents waiting until later in their lives to start families, and nothing more. Get an eduation please!
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The world's fastest jogger... The power and freedom to walk, run or jog.
"The Sub 4 stroller is everything we want in a stroller as its simple, streamlined and light." - Deena Kastor, current US women's marathon record holder
sub 4 running stroller is HOT! because:
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I have covered about 200km on and off with the sub4 and when it's working I love it. It's sleek, fast, and my 2 year old son Salinger seems to really enjoy it. He is always asking to go for runs and loves putting on his special running shoes in preparation.
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24 mayo 20135/5
The problem when running with a push chair is all the extra energy you spend pushing the heavy object in front of you. You seem to not be able to run your normal distance due to all the extra weight you are pushing and the ease of the push chair.
Well I have just had a turn with the new Phil and Ted's sub 4, the king of running push chairs. To look at, you will notice it is wider and longer than the average push chair and has large wheels. The capsule the baby/ child sits in is aerodynamic. When running, it is actually FUN! Yes I did use the fun word as it is easy. The sub 4 is light and very mobile. It doesn't hinder your running like other pushchairs can.
I tried it out on my nine month old baby, who seemed to love it. I watched him lift his legs up and down to catch the Wellington gale. I also ran with my three year old daughter who chatted away and reported on all the things she could see and feel, loving the bumpy parts where the roots are overtaking the footpath.
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The Sub 4 stroller is everything we want in a stroller as its simple, streamlined and light. My most cherished time with my daughter is simply taking her out to enjoy nature. She's seen a lot of our beautiful surroundings zooming past as she exclaims "Oooooh!"
I'd like to think her elation is with me running so fast, but its more that she gets to see so much. Whether its wilderness or downtown, I enjoy sharing the world with her one step and stroll at a time.
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Cheering loud and proud for New York really paid off. Not only did your Giants claim the 2011 NFC Championship, they rightly earned their place as a fierce competitor in Super Bowl XLVI. Give the Giants all the support you can muster for their trip to Indianapolis in this commemorative Conference Push tee featuring custom Conference Champs lettering with a bold team logo printed on the front.
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The Newly Designed 2nd Generation BRP M10 Flexx Mounts uses a 10mm bolt that threads directly into the steel pivot pin on the Fasst Company Flexx Bars. This new and improved design is stronger and more durable than the previous design which utilized a 8mm bolt. The BRP M10 Flexx Mounts will allow you to mount most popular style aluminum hand guards to you Fasst Company Flexx Bars. The BRP Flexx Mounts were designed in such a way that they do not prevent the the flexx system from working. The BRP Flexx Mounts were designed exclusively for Cycra Probend hand guards and in most cases can be used with other aftermarket hand guards with little modifications. The Flexx Mounts are manufactured from billet 6061 T-6 aluminum to our high quality standards of fit and finish and feature our signature black anodize with laser etched BRP logo.
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The most complete online offering of the literature of the Austrian School and libertarian ideas, including books, journal articles, and other writings, sorted by author or any method you choose.
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English Literacy and Civics (EL Civics)
English Literacy and Civics (EL Civics)
EL Civics modules and the citizenship preparation program are funded by Workforce Investment Act (WIA), Title II, Adult Education and Family Literacy (AEFLA). The purpose of the EL Civics program is to support projects that demonstrate effective practices in providing, and increasing access to, English Literacy programs linked to civics education for immigrants and other limited English proficient populations. According to Congress, to effectively participate in education, work, and civic opportunities in this country, immigrants and other limited English proficient persons must not only master English, but be able to understand and navigate governmental, educational, workplace systems and key institutions, such as banking and health care. The California Department of Education (CDE) Adult Education Office, through this grant, promotes the development of integrated programs that incorporate English Language and literacy instruction and civics education. The CDE has developed two program areas: Civic Engagement and Citizenship Preparation.
Civic Engagement: These modules support the implementation and delivery of instructional activities that integrate civics education content with ESL instruction. These modules, created by CCSF noncredit faculty, connect literacy to the lives of learners and reflects their experiences as community members, parents, and participants in the workforce. Through these modules, adults understand and deal with social issues through community research projects, collecting and analyzing information, and interpreting findings in ways that connect school-based learning with personal knowledge and community experience.
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Campuget Rose's color an intense peony pink. Its bouquet is very aromatic, exhaling scents of small red fruits such as raspberries or blackcurrants. In the mouth there is a perfect balance between vivacity and mellowness. The final taste is very long, leaving a delicate impression of fruitiness.
Chateau de Campuget in Costieres de Nimes is a beautiful wine property dating back to 1640. The soil is typical for the region, with many stones that force roots to find water deep in the lower layers of clay, contributing additional character to the wine. The property is managed by Jean-Lin Dalle, assisted by his son Franck-Lin, named after one of Jean-Lin's heroes, Benjamin...Read More About Chateau de Campuget
Other appellations of the Rhône include: in the North – St-Péray, Chateau Grillet; in the South – Lirac, Côtes du Ventoux, Côtes du Tricastin, Rasteau
Rose(roe-ZAY) A Rose by Any Other Name Technically, a rose is an unfinished red wine, but the term seems so- secondary. Rose is a different sort of wine, with all the refreshing qualities of a white wine mixed with some characteristics of a red. It can be made from many different grape varietals and in many different regions, the most popular and successful being Southern France,...Read More About Rose
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Your young fan may be a newer member of New York's fan base, but his team pride is undeniable! Help him express his constantly growing team pride by giving him this Vintage Static tee! It features "New York Giants Football" lettering on the chest with the team logo, establishment date and a helmet graphic. He'll be sure to wow the crowd with his team pride when he shows up to the Giants games in this T-shirt.
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text: I got on the classifieds here, and a fellow presented an opportunity to swap limbs on his Martin Cheetah. He has an 08 with 70# limbs and I have an 09 Cheetah with 60# limbs. I went to the tech manuals online to see what limb he has on his bow, but there is no limb info for the 08 model. Looking at the two bows, there is a difference where the limbs articulate with the riser: the 09 has a rotocup and the 08 does not have this. So, I wonder if the limbs are really interchangeable or not?


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Still Crazy After All These Years
Few clear winners stand out, leaving banks mostly still watching. Herewith an informal "new payments scorecard"
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"It seems mobile payments has been the next big thing for the last five years, and we still haven't seen a lot of volume," says Steve Kenneally, vice-president of ABA's Center for Regulatory Compliance. And so goes payments. A lot of talk and not a lot of action. There are a handful of successes, however. Starbucks generates more than three million mobile transactions each week in the United States. That's a lot of lattes. And prepaid cards are booming.
When it comes to payments, except for prepaid, many banks are sitting on the sidelines, waiting for definitive technology standards, a fail-proof business case, and assurance that merchants and consumers will come on board. In its annual survey of community banks, Abound Resources found that interest in mobile payments is waning. In 2012, 28% of community banks listed mobile payments as a priority. By 2013, that number fell to 14%.
Banks are continually scolded for not being innovative in a world of Google Wallet and PayPal, but for many, it's unclear how to win customers' physical and virtual wallets.
In a complex payments ecosystem that continues to evolve, are there clear winners and others in a tenuous position of non-relevance? To paraphrase Yogi Berra, it's difficult to make predictions, especially about the future of payments. That said, the following is an update on innovations and best guesses on where the industry is headed.
Prepaid debit outperforms
Prepaid debit and payroll cards are one payment innovation that has surpassed industry expectations. Initiatives, such as Green Dot, which links a Visa debit card to a traditional checking account; Bluebird, a mobile prepaid account offered by American Express and distributed through Walmart; NetSpend, which is targeted to underbanked consumers; and ABA's prepaid program, offered in partnership with TransCard and MasterCard, are a few examples among literally hundreds.
Aite Group projects that prepaid debit and payroll cards will grow from 9.7 million in 2010 to 29.2 million by 2016. Madeline Aufseeser, Aite Group senior analyst, attributes this growth to four factors: a decline in free checking for low-balance customers; the entrance of big brands into the prepaid market; consumer-friendly pricing; and more employers adopting payroll programs.
Although first positioned as a product for the unbanked or underbanked, prepaid is popular with consumers from all income brackets. Reloadable prepaid cards with fee transparency and an inability to be overdrawn are replacing traditional checking accounts, notes Ginger Schmeltzer, senior vice-president of emerging payments at Fiserv. "If prepaid takes off as an alternative to a checking account, that's a game changer for banks," she sayss.
Banks are becoming prepaid believers. In a 2012 survey conducted by Mercator Advisory Group for ABA, more than 80% of banks reported that their customers would be interested in prepaid.
In addition, a mandate from the U.S. government that all federal benefits be paid electronically is a significant driver in prepaid growth, says Kenneally, noting the government has moved about 9 million recipients to prepaid.
Another driver, says Christopher McClinton, vice-president of payments solutions at ABA, is the banks' need to replace lost fee income. But since community banks traditionally participate in a larger bank's agent program, they lose out on capturing customer deposits. To improve the economics, ABA's prepaid program provides a suite of products, including payroll, gift, and reloadable cards. Since ABA is not a bank, the banks keep the deposits.
EMV: full speed ahead
As of second-quarter 2012, 1.55 billion EMV (EuroPay MasterCard and Visa) chip-based payment cards were in use worldwide. In the United States, migration from magnetic-stripe cards to more secure EMV cards is well underway. As the last G20 country to move to EMV, the United States has become an easy target for fraudsters, notes Julie Conroy, Aite Group research director, with issuers reporting up to a 50% increase in counterfeit card fraud. Also, EMV card costs have fallen from a high of $4 to about $1.30 per card. Today, it's almost impossible to buy a point-of-sale terminal that does not support EMV, giving merchants no choice but to install EMV terminals as part of their POS refresh cycle. Another factor: the October 2015 liability shift, holding merchants without EMV acceptance liable for losses.
For banks, EMV represents more than an opportunity to reduce card fraud. Suzanne Glavin, director of product management at Elan, foresees that the EMV chip will be the impetus for deeper customer relationships by enabling issuers to merge payments with other value-added services, such as couponing and rewards.
NFC: slow progress
Two years ago, the Federal Reserve Banks of Boston and Atlanta jointly published Mobile Payments in the United States: Mapping Out the Road Ahead, in which the banks touted near-field communications (NFC) as the technology that would—finally—enable mobile payments.
In their updated May 2013 report, U.S. Mobile Payments Landscape—Two Years Later, the banks are much less certain that NFC will be mobile payments' knight in shining armor, listing cloud-based POS solutions and quick response (QR) codes as possible contenders.
It seems the payments industry miscalculated just how challenging creating a payments ecosystem to support NFC would be. Delays in mobile device certification, a lack of merchants willing to install NFC terminals, and difficulties in convincing financial institutions to install payments applications on mobile devices have contributed to NFC's lackluster adoption.
The NFC market also has slowed down due to Google's reassessment of its Google Wallet and the delay in Isis mobile wallet pilots in Salt Lake City, Utah, and Austin, Tex., says Randy Vanderhoof, executive director of the Smart Card Alliance.
During the Alliance's recent NFC Solutions Summit, Vanderhoof heard positive feedback from merchants participating in the Isis pilots. "The technology is working extremely well, and merchants are excited by the opportunities NFC mobile wallets create for engaging customers and influencing shopping behaviors," relates Vanderhoof.
Dean Seifert, senior vice-president of product strategy at Vantiv, is not betting on NFC, however. "Because NFC is not ubiquitous at the point of sale or the mobile device, [it] is going to fall by the wayside," he predicts.
The digital wallet: Will banks find a way?
Today, about 168 different digital wallets are available, says Matthew Friend, managing director of Accenture Payment Services North America, and he expects that number to grow before the industry consolidates. The winners will be the digital wallets that offer payment options as well as loyalty and rewards cards, receipt tracking, and other financial management tools in a secure environment.
"Banks are in the best position to provide a digital wallet," says Friend. But they shouldn't delay. "Consumers want banks to provide the digital wallet, but will banks move fast enough for consumers?" asks Friend. "It will be tricky for banks to balance the investments needed for a digital wallet in a capital-constrained environment."
Others agree that it makes sense for banks to own the digital-wallet space. "Any digital-wallet provider that thinks it's going to succeed by disintermediating the card networks simply isn't going to work," says Scott Hansen, executive vice-president of business development at Harland Financial Solutions. "Until banks enable the data flow using conventional card-authentication networks, digital wallets will stall. The credit card information must remain with the bank and not a technology or telecommunications company."
Kenneth Moy, group head of MasterCard's U.S. emerging payments, says that consumers want a digital wallet from their trusted financial institution, rather than a technology company. He says the MasterPass digital wallet, currently in beta, is not a MasterCard-branded wallet, but the wallet of financial institutions that accept MasterCard. He adds that the wallet is open to others, including Visa, American Express, and private-label cards.
Today, 180 merchants in the United States are live with MasterPass, and Moy says MasterCard plans to extend that number to hundreds of thousands by the end of 2013.
Visa's online payment service V.me., launched in late 2012, has 82 financial institution partners and 37 e-commerce retailers, with an additional 180 merchants waiting to go live, according to a Visa spokesperson.
One of the biggest challenges with the digital wallet, says Jim Simpson, senior vice-president and chief technology officer at City Bank Texas, is that the current card-swipe process is not broken. For consumers, paying with a card is easy. Simpson's solution is to focus, instead, on what happens before and after the swipe, suggesting that banks improve the digital wallet to provide a great experience for customers, with incentives and rewards.
Niti Badarinath, head of mobile banking at U.S. Bank, agrees that banks should focus less on changing the form factor from a plastic card to a mobile device, but more on bundling value-added services onto the device, such as loyalty and rewards and even geo location-based services that take advantage of the device's GPS.
P2P: riding the rails
ClearXchange (Bank of America, Chase, and Wells Fargo), Popmoney (Fiserv), and PayPal are three of the biggest players in the person-to-person (P2P) payments space. But challenges in widespread adoption of P2P remain. To receive a payment, the payee is asked for his banking account information via email or text message, something that fraud-fearful consumers are loath to provide. And since transactions are transmitted via the ACH network, they take several days to clear.
The key to P2P adoption, believes Hansen, is expedited P2P payments.
To solve these challenges, Computer Services, Inc. (CSI) is using the existing credit card payment rails to initiate instantaneous payments, explains Derrick Bretz, product manager. The solution, in beta and planned for general release by mid-summer, allows consumers with a checking or savings account to transfer funds to anyone with a Visa account.
The P2P application has business uses as well, notes Bretz, explaining that merchants with a Visa card can ask consumers to make payments directly to the merchant's credit card account.
Bitcoin calls itself "an open source, P2P digital currency," and, as of April 2013, reports that the total value of bitcoins in circulation is more than $1.3 billion. What are Bitcoin and other crypto-currencies, really?
Hansen calls Bitcoin "an anti-establishment movement at heart." Why? Because it is completely independent of any banking system, regulatory agency, or government, and allows Bitcoin users to send money anonymously across borders.
Consumers store bitcoins in digital wallets and use them to purchase goods and services from online merchants, or sell them on an exchange site, such as Mt. Gox.
For banks, just monitoring the rogue currencies is enough, for now. "The world of virtual currency will continue to play out for a long time," points out Accenture's Friend. "The market is small and a novelty, but it is creating a true global currency."
Square off
Square—the San Francisco, Calif., startup that revolutionized small businesses payments with its card reader attached to a mobile device—boasts that it processes more than $15 billion in payments annually. Small businesses pay either $275 per month or 2.75% per swipe for use.
Others offer competing products. Vantiv's Vantiv Accept is a mobile app and card reader that allows merchants to swipe credit, debit, or prepaid cards on a smartphone or tablet. In addition to small businesses such as plumbers or craft fair vendors, Vantiv Accept appeals to large merchants that want to accept payments anywhere in the store (so called "line-busting") or need a back-up payment system if the power goes out, explains Seifert. Vantiv's next step: connect merchant and consumer mobile devices. "We're getting to a world where I can input my grocery list on my phone, pay for it, and send it to the supermarket, and pick up my order when I arrive," he says.
Mobile billpay innovations
Although about three-quarters of consumers use online banking, only about 25% use their bank's online bill payment feature, says Ralph Marcuccilli, president of Allied Payment Network. The number using mobile billpay is even less. Robb Gaynor, founder and chief product officer at Malauzai, says only 3.5% of active mobile banking users pay bills using a mobile device, mainly because it's difficult to enter bill payment information on a mobile phone.
To boost adoption by overcoming the lack of a traditional keyboard, Malauzai is reselling Allied's recently launched Picture Pay. Consumers take a photo of a bill using a mobile device, enter the amount, and select the payment delivery option, including next day. Allied is hoping to roll out a pay-by-voice version at summer's end.
City Bank Texas has offered Picture Pay as part of its mobile banking lineup for several months. While still evaluating the success, Simpson reports that customers who did not pay bills online before are now snapping photos.
Simpson is particularly pleased with the number of customers who are using the pay-again feature. "Customers like their first experience and are coming back for more. It's a sticky solution," he says.
"If banks don't find a way to make bill payment easier, banks will be disintermediated by biller-direct websites or providers, such as PayPal," says Marcuccilli. "The entity that enrolls the customer in billpay owns that relationship."
Payments: room for everyone?
As we wait for more of the payments dust to settle, banks should begin laying a foundation for mobile payments to get customers comfortable using their mobile devices for banking transactions, according to Ginger Schmeltzer. "Explore how your customers like to use mobile and what their concerns are, and what the bank can do to make it a more compelling experience," she encourages.
Suzanne Glavin believes that banks also should look beyond mobile for ways to innovate more traditional payment environments, such as ATMs and branches with advanced interactive tellers.
U.S. Bank's Niti Badarinath suggests that banks get off the sidelines, even with the uncertainty inherent in the payments ecosystem.
"Make a number of small bets and move in many directions quickly," Badarinath says. "We don't know which payment innovation will win, but we need to be prepared."
Native electronic ACH payments grow:
Mobile payments may get all the hype, but transaction volumes over the ACH network continue to grow. Total ACH payment volume grew 4.19% in 2012 to more than 21 billion transactions for a total of $36.9 trillion, relates Janet Estep, NACHA president and CEO.
Of those transactions, 85% are native electronic payments, an increase of 6.38% over 2011. Check-initiated transactions decreased by 6.75%.
Internet or wireless network-initiated debit authorizations increased 10.2% and now comprise 17.6% of total ACH network volume. Estep expects these types of transactions to grow as a result of NACHA's recent ruling to standardize the use of the network for person-to-person payments.
NACHA's overriding goal is to enable banks to remain at the center of payments, stresses Estep. "We want to provide a solid foundation upon which others can innovate."
ABA's Emerging Payments Advisory Group:
As an advocacy organization, ABA has launched several payments-focused initiatives. One of the most recent is the Emerging Payments Advisory Group, a consortium of banks of various sizes that will meet periodically to discuss policy issues in payments.
The group's first report was The Changing Face of the Payments System: A Policymakers Guide to Important Issues.
The report's recommendations center on what Ken Clayton, executive vice-president of legislative affairs and chief counsel, calls three pillars:
Consumer protection. Currently, regulations for emerging payments are uneven or not well defined and can negatively impact consumers.
Payment systems integrity. Banks must work to ensure that new players in the payments space have adequate controls and oversight, so as not to put the payments system at risk.
Competitive equity and level playing field. Not playing by the same rules can drive participants away from the regulated market and into the shadow payments world.
Clayton describes how current payment rules are inadequate. For example, a nonbank payment provider may allow a consumer to initiate a credit card transaction on her mobile phone. The payment is processed as two separate transactions, and the nonbank transaction may not be subject to the same consumer protections as a bank-to-bank transaction. The Emerging Payments Advisory Group seeks to bring clarity to this sort of situation, according to Clayton.
Tagged under Payments, Retail Banking, Channels, Feature,


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Few things are more relaxing than sipping a cup of hot green tea on a cold winter day. Your eyes, unfortunately, haven't been able to partake in this simple joy because eyes and scalding hot tea do not mix well. Now you can get that same sense of serenity for your peepers with the Green Tea sunglasses from Filtrate. These oversized shades are made with a translucent polycarbonate frame and polycarbonate lenses that turn all that harsh UV light into happy, calm, feel-good rays. You won't be able to help but smile behind these specs.
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Forego the massive sugar buzz to amp up your energy before hitting the waves. The Hyperfreak boardshorts from O'Neill are the ultimate rush for a premium surfer dude. They feature Hyperfreak stretch fabric — with 175% vertical stretch and 150% horizontal stretch — along with stretch seams for an outlandish, unrestrictive fit. The waistband is rigid so your boardies stay snug and there are no inseams so you stay rash-free. Add in the chill design, and you've got the makings of one magical trip.
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text: Kenwood Excelon KFC-X693 6" x 9" 3-way car speakers Zoom Front Back Right Photos Videos Does it fit my car? Item #: 113KFCX693 Review Summary 9 people say In Stock Free Installation gear for most cars Free Crutchfield lifetime tech support Free Shipping Your price $129.99 pair Add to cart + Add to wishlist Email me alerts for this product $110.49 Scratch & Dent Buy this item and earn up to 130 Rewards points See more offers and ways to save Special Financing Available x By buying this product you'll earn up to 130 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Details Customer Reviews Q&A Articles & Videos Accessories Our take on the Kenwood Excelon KFC-X693 by Buck Pomerantz Why replace your car's original speakers? The speakers that originally came in your car were made from inexpensive materials, designed to create acceptable sound at the lowest possible cost to the manufacturer. If you love music, you deserve better. Name-brand aftermarket speakers deliver fuller, richer sound with considerably more detail and nuance, and they're capable of playing louder and cleaner than factory speakers. Connect new speakers to your factory radio and you'll get the best possible sound from your dealer-equipped system. Pair them up with a new car stereo for a level of enjoyment that can rival a high-fidelity home audio experience. Kenwood Excelon speakers incorporate technical know-how and advanced materials to give your music the full, rich sound it deserves. These full-range speakers sport a diamond-array pattern etched into their woofers that increases the strength of the carbon-polypropylene cone for improved dynamic response and lower distortion. The butyl rubber surround resists weathering, providing reliable support that keeps your music playing, no matter what. Kenwood Excelon KFC-X693 6"x9" speakers feature 1" silk dome midrange drivers that combine with 3/4" balanced soft dome tweeters to paint a strong sonic image without ever sounding harsh. Because of their specially designed magnetic circuitry and neodymium magnets, the compact midrange drivers use less steel in their construction, for more accurate response than conventional drivers. See more info on this item Highlights:6"x9" 3-way car speakersDiamond Array Pattern carbon-polypropylene wooferbutyl rubber surround1" silk dome midrange3/4" PEI dome tweeterpower range: 2-130 watts RMS (300 watts peak power)frequency response: 50-25,000 Hzsensitivity: 89 dBdepth: 3-3/8"warranty: 2 yearsOur 60-day money-back guarantee Priced per pair Hands-on research from the Crutchfield Labs (what are the Labs?) Features and specs chart | What's in the box? | In-depth notes Features and Specs General Design 3-way Tweeter Design 3/4" Balanced Dome Tweeter Composition PEI Woofer Composition Carbon-Polypropylene Woofer Surround Butyl Rubber Parts Warranty 2 Years Labor Warranty 2 Years Specifications Sensitivity 89 dB at 1 watt Frequency Response 50 - 25k Hz RMS Power Range (Watts) 2-130 Peak Power Handling (Watts) 300 Impedance (Ohms) --- Top-mount Depth (Inches) 3 3/8 Bottom-mount Depth (Inches) 3 7/8 Product Research What's in the box? Download owner's manual Two 3-way 6x9 speakers 2 Grilles 2 Grille frames Two 11" lengths of speaker wire (each has quick-slides on one end and bare wire on the other) Eight 1-1/2" Self-tapping screws Eight M4x70mm Machine screws 8 Large flat washers 8 Small flat washers 8 Split lock washers Eight M4 Hex nuts Two 4" Strips of speaker grille putty Warranty information Template and specifications on box Our Product Research Team At Crutchfield, you'll get detailed, accurate information that's hard to find elsewhere. That's because we have our own in-house Product Research team — they open the box, verify contents, check the owner's manual, and record dimensions, features and specs. We stay on top of new products and technologies to help people make informed choices. Features Woofers: The woofer cones are constructed of a Carbon-Polypropylene Hybrid with a Diamond Array Pattern for added rigidity. They use butyl rubber surrounds for a smoother response and improved durability. Tweeters: Each speaker uses a 3/4" PEI balanced-dome tweeter. PEI (Poly-Ether Imide) is a polymer film that has sound characteristics ideal for use as a tweeter. The balanced-dome tweeter produces a wide soundstage for superior imaging. Midranges: Each speaker uses a 1" Silk soft dome midrange for smooth, precise vocals. Warranty Note: Although these speakers come with a 1-year warranty card, they are covered by the Kenwood eXcelon 2-year warranty. Review this product Submit a review and then enter to win a $500 rewards card Kenwood Excelon KFC-X693 Reviews Average Customer Review: 9 people say: Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. Filter by rating: 5 Star: (0) 4 Star: (0) 3 Star: (0) 2 Star: (0) 1 Star: (0) 5 out of 5 KFC-X693 Written By tgar, San Angelo, Tx on Friday, September 19, 2014 Crutchfield Customer Review (What's this?) I put replaced the factory speakers(rear doors) with a pair of these in my sons 2012 Frontier. I connect them to a new Kenwood DPX500BT. "They kick"dad!!(his words). Pros: Easy to install Cons: none Was this review helpful? Yes | No 5 out of 5 Amazing Written By Anonymous, Kiel, Wisconsin on Tuesday, June 10, 2014 Crutchfield Customer Review (What's this?) Awesome quality, sound and build. Pros: Everything. These rock. Cons: Nothing. Was this review helpful? Yes | No 4 out of 5 X693 speakers Written By GJB, McAllen, TX on Tuesday, June 10, 2014 Crutchfield Customer Review (What's this?) Excellent sound. Really don't need a sub unless you like super heavy bass. Complete package Pros: Full range. Excellent sounding. Handles well at high and low outputs Cons: Heavy. Had to reinforce. That's why I gave it 4 instead of 5 Was this review helpful? Yes | No 5 out of 5 Wow what low end punch Written By Jeff, New Orleans on Saturday, March 29, 2014 Crutchfield Customer Review (What's this?) I purchased a sub with my system but I probably didn't need it. these thing kick. went into a 1989 Camaro IROC, the car is a weekend cruiser and now it has a kick butt system in it. Really like Kenwood Pros: Awesome sound highs all the way through the range to big punchy lows Cons: First set had a blown speaker but these guys took care of it and I could not be happier 1 out of 1 people found this helpful Was this review helpful? Yes | No 5 out of 5 Kenwood Excelon KFC-X693 Written By JH, San Francisco on Friday, September 13, 2013 Crutchfield Customer Review (What's this?) I bought these speakers for my wife and her 'soccer Mom cruiser'. Speakers are matched with the Kenwood KFC-X173 6-3/4" speakers in the front doors, Kenwood DDX-470 head and Clarion XC1410 amp. I installed the speakers before adding the head and amp and gave them a try, what a difference over the factory speakers. Well worth the cost. Pros: Excellent value and sound. Cons: None. 1 out of 1 people found this helpful Was this review helpful? Yes | No 5 out of 5 Nice sound Written By bravo, PA on Sunday, August 04, 2013 Crutchfield Customer Review (What's this?) nice full sound, good range, worth the $. Pros: nice sound Cons: the speaker wires and metal tabs to connect the speaker wires are a little flimsy. I would have expected something more study from Kenwood. 1 out of 1 people found this helpful Was this review helpful? Yes | No 5 out of 5 Great sound & value Written By Nerwin, Dallas area on Friday, May 31, 2013 Crutchfield Customer Review (What's this?) Put a pair of these in Datsun 280Z rear because there's not a lot of options for locations. Have one of the vintage look head units for power. Sound quality is pretty darn good. Much better than anticipated. Pros: Good deep sound, lot of speaker for the money. Cons: None so far 1 out of 1 people found this helpful Was this review helpful? Yes | No 5 out of 5 Nice Compromise Written By Keeping Old Cars Running For Kids, Washington, DC on Wednesday, January 02, 2013 Crutchfield Customer Review (What's this?) Installing these replacements in a 1996 Volvo 960 (rear deck) and fading the sound system a few notches to the rear made even the older OEM speakers in front sound better. Far less trouble to install (but yes, the back seat does have to come out of this vehicle) than a full component set (involving doors and dash as well), and the rear deck only option provides really good sound across the entire range. The fit (using OEM factory grills) was perfect; maybe not such a big deal but I was impressed that Crutchfield knew that with the vehicle choice system on an older car, and said so. If I were considering an investment in speakers, I'd at least consider trying these alone at first. Pros: Very clean sound across the range; suitability of fit for my application 2 out of 2 people found this helpful Was this review helpful? Yes | No 5 out of 5 Couldn't ask for better quality Written By Joe, Troy, MI on Friday, August 26, 2011 I put these in my '76 Jeep CJ7. Two 6x9s and two 5 1/4's. I can finally hear my music with the top down on the freeway. The only gripe I have is the speaker wire that comes off of these speakers is so thin but I changed it out with some better quality stuff. To get the full potential of these speakers you have to have an amp. I power these with a 350 watt RMS 2 channel amp. 5 out of 6 people found this helpful Was this review helpful? Yes | No Add accessories for the Kenwood Excelon KFC-X693 Add Accessories Add a Warranty Reduce ambient road noise and your vehicle's "rattles," for better sound inside your car. See all categories & accessories Reduce ambient road noise and your vehicle's "rattles," for better sound inside your car. Sound Deadening You'll need speaker wire to connect your speakers to your amp. Speaker Wire Keep your speakers clean and dry. They compress to fit behind your speakers. Foam Speaker Baffles These speaker connectors are handy if you're running new speaker wire or if your speakers have oversized terminals. Speaker Wire Connectors The right tools will help keep your installation simple and clean. Tools Connectors Dynamat 10415 Xtreme Speaker Kit Two 10-in. x 10-in. Sheets 45 people say Your Price: $26.99 Add to Cart Dynamat 10435 Xtreme Door Kit With four 12" x 36" sheets covers two doors 31 people say Your Price: $99.99 Add to Cart Dynamat SuperLite Tri-Pak Triple package 3 sheets, 12 square feet (Model #10612) 17 people say Your Price: $69.99 Add to Cart T-Spec 16-gauge Speaker Wire Black/white jacket priced per foot 13 people say Your Price: $0.69 Add to Cart T-Spec 12-gauge Speaker Wire Black/white jacket priced per foot 29 people say Your Price: $1.99 Add to Cart Stinger PRO Series Speaker Wire Priced per foot (16 Gauge) Options 16 Gauge-$0.39 14 Gauge-$0.65 Priced per foot (16 Gauge) Priced per foot (14 Gauge) 50 people say Your Price: $0.39 Add to Cart Boom Mat 6"x9" Speaker Baffles Protect your speakers Regular and slim-line sizes (Regular: 4-1/2" depth) Options Regular: 4-1/2" depth-$9.99 Slim-line: 3-1/2" depth-$9.99 Protect your speakers Regular and slim-line sizes (Regular: 4-1/2" depth) Protect your speakers Regular and slim-line sizes (Slim-line: 3-1/2" depth) 21 people say Your Price: $9.99 Add to Cart XTC 6"x9" Speaker Baffles Protect your speakers (5" depth) Options Slim-line: 3-3/4" depth-$8.99 5" depth-$8.99 Protect your speakers (Slim-line: 3-3/4" depth) Protect your speakers (5" depth) 34 people say Your Price: $8.99 Add to Cart Metra Female Quick Slides An assortment of female quick slide connectors for connecting to speaker terminals 47 people say Your Price: $1.99 Add to Cart Metra Crimp Tool and Connectors Package contains crimp tool and over 150 pieces 15 people say Your Price: $19.99 Add to Cart S&G Wire Cutter/Stripper Tool Cuts and strips 12- to 22-gauge wire 15 people say Your Price: $19.99 Add to Cart S&G Tool Aid 87615 Window and Door Clip Removal Tool 12 people say Your Price: $7.99 Add to Cart S&G Tool Aid 87650 Door Trim and Panel Removal Tool 68 people say Your Price: $9.99 Add to Cart Pro.Fit Hook Tool Set Installation tools pair 9 people say Your Price: $6.49 Add to Cart Pro.Fit Trim Panel Tool Remove your vehicle's trim panels without damage 87 people say Your Price: $5.99 Add to Cart Pro.Fit Wire Worm Installation tool helps route wiring through tight spaces 31 people say Your Price: $12.99 Add to Cart Bojo Trim Panel Tools Set of 6 pry tools helps remove interior and exterior trim and door panels 52 people say Your Price: $24.99 Add to Cart Skewdriver Pro SPK4042 Ratcheting straight and offset screwdriver set with 40 bits (Skewdriver Pro with ratchet handle, pictured) 8 people say Your Price: $49.99 Add to Cart Spec Tools SQR-200a Squeeze Wrench Narrow space ratchet kit with 18 sockets 1 person says Your Price: $49.99 Add to Cart Bojo Trim Panel Tools Set of 6 pry tools helps remove interior and exterior trim and door panels 2 people say Your Price: $29.99 Add to Cart Posi-Products Car Speaker Connectors 8 connectors for installing car speakers 18 people say Your Price: $11.99 Add to Cart DEI Heat Shrink Tubing Black 4-foot length (Assortment) 6 people say Your Price: $24.99 Add to Cart Why choose SquareTrade? 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With SquareTrade, you're covered — including parts and labor. 3 Year Protection Plan Your Price: $20.99 Add to Cart For a more in-depth review and enhanced detailed information on the Kenwood Excelon KFC-X693, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_113KFCX693/Kenwood-Excelon-KFC-X693.html ). × Front Back Right Searches related to the Kenwood Excelon KFC-X693 6" x 9" 3-way car speakers Kenwood Kenwood 6"x9" Speakers Best 6"x9" Speakers 6"x9" Speakers under $150 Kenwood Excelon KFC-X693 reviews Kenwood Excelon KFC-X693 vs Kicker 41DSC6934 Kenwood Excelon KFC-X693 vs Polk Audio DXi691 Kenwood Excelon KFC-X693 vs Pioneer TS-A6985R Kenwood Excelon KFC-X693 vs Pioneer TS-D6902R


text:
Is information available to help families concerned about an elderly parent driving?
Families face difficult decisions when their older family members begin to drive unsafely, and they need to exercise tact and sensitivity in dealing with this touchy subject. When You Are Concerned (click here) is a handbook to help families, friends and caregivers facing the dilemma of what to do when an aging loved one is driving unsafely. When You Are Concerned is, in part, a compilation of the experiences of families and others who have successfully resolved an unsafe aging driver situation.
More Info
Families and Caregivers
Find resources for all caregivers, from teenagers caring for grandparents and other relatives caring for children.
URL: http://www.aging.ny.gov/Caregiving/Index.cfm


text:
I'd always thought, when people talk about the legendary Mont Blanc at Angelina they were referring to this pile of whipped cream...WRONG!
THIS is the Mont Blanc!
Not that it looks like the famous snow-topped mountain to me.
Not that anyone asked.
Lovely Mont Blanc. Sounds like a cloud of yum not a mountain. This is just what I needed to see. :) Thank you PB for yet another peek... at the good life, in Paree.
Ahh, I'd have to have a Mont Blanc and a window seat, I think.
All best, Jan
That last image is a painting waiting to happen. (as someone we all know would say, "Ahem.")
Looks positively decadent.
Oh my.. That is to die for..painting and mont blanc to eat.ReplyDelete
Making a list
Checking it twice
For when I come and visit
We'll each more than a slice
(bad poetry this "early" in the evening but that's the bad wine talking)
Le Mont Blanc, j'adore!!!! the problem with Angelina is that I can't go because it's always too crowed to find a place at the right hour for tea time. We shuld suggest they come here!ReplyDelete
Thank you thank you! For bringing me a little bit of my Dream to me everyday. I have had this dream for years of going to Paris and sitting in all the lovely cafes and having my fill of desserts (I dont think the word desserts even fits the bill for the yummys you feature, so much more..).So thank you for a little touch of my dream. Some day I hope to make it to Paris!ReplyDelete
Ever since our family went to Paris on vacation I have lived vicariously through having my friends go to Angelinas and have a Mont Blanc when they're there. They were truly the most incredible treat I've ever had. It broke my heart that we couldn't order them to be fed exed to our home! Thank you for a wonderful trip down memory lane!ReplyDelete


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text: Wineka column: With classic car show, Barron Goodson's 'girls' raise money, awareness for lung cancer Friday, June 21th, 2013 Text size: A A A Tweet Back To Story JON C. LAKEY / SALISBURY POST Sharon Goodson stands between a 1957 Chevrolet truck and 1934 Ford at her home near Rockwell. Her husband Barron Goodson died from lung cancer in 2012, was an avid car enthusiasts and built a collection of 6 antique vehicles. Goodson and her children wanting to raise awareness of the need for research in treatment of lung cancer and decided to use the cars as a vehicle to raise money through car shows.


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Explore - Shops
Portland, Maine
Portland has long been a cultural outpost in New England, a hotspot for artists and longshoreman alike who crave the sophistication of the big city (65,000 people) while still retaining a...09.02.09
Free City Shop, Los Angeles
Nina Garduno recently opened her shop Free City—a mix between an actual store and a design commune–on Highland Avenue in Hollywood. She started the company in 2002, inspired by her ...11.01.10
Shipping Container Retail Design
I wish I could see this cool new pop-up shop in person, but alas, it's in Manhattan and only until October 31. It's the first (albeit temporary) retail store for fashion designer Richard Chai, set...10.22.10
Fritz Hansen on Knockoffs and Authentic Design
In recent years, the Danish furniture company Fritz Hansen has taken aggressive measures to protect their products against knockoffs and counterfeits across the globe. They have rounded up and...06.13.12
Room & Board Finds
Last week I took a little bus trip down to San Francisco's Design District to have a peek at what's new, and fairly new, from mod furniture purveyor Room & Board. I met up with Joe Darling who...02.09.10
eBay Picks
Once upon a time, you used to have to dig through mountains of junk at swap meets, sift through dusty barns at estate sales, or luck out at a goodwill to find desirable collectibles. Nowadays all...written by: Sam Grawe12.15.10
Modern Handbags
Handbags. You love them or you hate them. They can be a necessity, or they can be a bottomless pit of lost treasures. They can be a coveted piece that your favorite star is sporting, or they can be...written by: Leah King12.22.10
Best Wood Kitchen Products
From sustainable bamboo and ipe to classic American hardwoods, wood's durability and beauty is undeniable. Here, a selection of some of our favorite wooden kitchen products.04.02.13
Lerival's Architect-Designed Furniture
Lerival, a design house that bridges contemporary furniture and architecture, was founded by Dominique Gonfard and James Coombes in late 2008. They founded the company aiming to push the boundaries...10.14.10
Design Shop Visit: Mjölk in Toronto
This Canadian duo searches out top Scandinavian and Japanese designs and brings their best finds back to this Toronto shop.written by: Miyoko Ohtakephotos by: Christopher Wahl07.27.11
Hecho en Oaxaca
An experimental shop in Oaxaca, Mexico, is resuscitating the region's ancient crafts traditions and bringing indigenous artisans' designs into the 21st century.photos by: Romina Hierro07.09.11
A Visit to HAY Copenhagen
I just returned to the office from a trip to Copenhagen spent reporting a handful of stories for the magazine and scouting future projects. A highlight of the trip was my visit to HAY, a fantastic...11.15.11
Colour Makes People Happy
Located on a quiet suburban street in South London, the shop Colour Makes People Happy is painted in a surprisingly subtle shade of sage green. Rainbow colored signage adorns the windows and a...written by: Ali Morris04.11.12
To the Letter
In this digital age, invitations arrive in our inboxes and are promptly deleted. Luckily, there's Greer, a Chicago stationery depot that's dedicated to ink and paper created by...written by: Anna Goldwater Alexanderphotos by: Nathan Kirkman08.24.12
Why You Should Send a Thank You Card
In the story "To the Letter" in our September 2012 issue, we visited Chandra Greer at Greer, her Chicago shop dedicated to all things paper. A purveyor of stationery, pens, pencils,...photos by: Nathan Kirkman09.07.12
Q&A with Herman Miller's Marg Mojzak
Whether our recent essay "The Real Cost of Rip-Offs" got you thinking about the dark side of the knockoff industry—or left you unfazed and unconvinced—we'd like to continue...05.30.12
Live from London: Lifestylebazaar
I was thrilled to discover that East London is chock full of design do-gooders. The second stop of my tour of the Shoreditch design district was Lifestylebazaar, a home furnishing boutique filled...written by: Charlotte West09.22.09
Park Life, San Francisco
I was in San Francisco's Inner Richmond neighborhood a few days ago, and stopped by one of my favorite shops: Park Life, a cool and highly unconventional gallery and shop. It opened in 2006, the...10.19.10
More Finds from The Vintage Bazaar
We recently featured The Vintage Bazaar as the Design Finder in our October Made in the USA issue. Here, founders Libby Alexander and Katherine Raz take us on a tour of their most recent event in...written by: Katherine Raz09.13.11
Furniture Fresh from South Central L.A.
In our October 2011 issue we're spotlighting all of our favorite American-made design. To lend a hand, we've asked Michael and Ruth Storc of the great site Design Patriot to share their top Made...written by: Ruth Storc09.28.11


text:
In the plumes of smoke lingering Thursday morning outside the Cartersville-Bartow County Joint Training Facility in Emerson, Cartersville Fire Department Lt. Hagan Champion's crackling Mayday call sent crews scurrying into action.
As part of the department's Firefighter Safety and Survival course, Champion and CFD Capt. Johnny Frasier created training on the "location and extrication" of two firefighters trapped inside an enclosed basement staircase of the two-story structure after a floor collapse. Using drywall and lumber donated by Home Depot and Wood's Fabrication, respectively, the pair constructed a simulated floorplan and wall encasing the staircase, which crews used axes and halligans to breach for removal of two trapped firefighter dummies.
"When we respond to a structure fire, ... we get faced with all kind of obstacles," Frasier said. "First of all, we're in an environment that is unknown to us. We could be high heat, low visibility, whatever. Once you get inside the structure, you could have a floor burn out from under you, or you could have a roof or ceiling collapse down on you."
Conducted over three days, the course focused on the well-being of CFD crews.
"We always concentrate on rescuing other people," Frasier said after Tuesday's session. "This is about rescuing us."
Once offered through the state, the economic crisis put a damper on offerings at the higher level.
"The safety and survival class used to be offered at the state, and of course, like I said, it got cut due to budget cutbacks," Frasier said. "What we are trying to do here is get a good program started, and if we can enhance on this, eventually, maybe we can offer it as a regional class through the fire academy."
<*p(0,9,0,12.1,0,0,g(P,S))>While working to have the course approved through the state, CFD firefighters offered positive feedback to instructors.
"They love it. They say it is some of the best training they've ever did. They get to actually get in their gear, they get hot. They're having to work but they get to think. They get to plan their own strategies," Frasier said. "Of course, we're out here to critique and we're out here to learn, but we're not out here to criticize them. I mean, we're not out here to say, 'No, you did that wrong,' as long as they don't get hurt and they're doing everything safe and we're operating under our SOPs."
CFD Training Chief Ronnie Cowart praised Frasier and Champion for their efforts toward conducting the extensive training.
Noting that each fire call is different, Cowart said equipping firefighters with the skills to make the necessary decisions at a scene is essential.
"No two fires are the same. No two houses are the same. No two situations are the same. What we are trying to teach the guys is, use your situational awareness and make the decisions based on the particulars of that incident," he said. "You have to be [fluid]. That's the reason we are doing this training as well. We're wanting to make sure that we have our guys prepared as much as possible for any situation they get into. However, because of the, as you mentioned, it being a fluid situation or a dynamic situation, you can't always prepare for everything, so we prepare for the things that we can and hope we build with them a toolbox to where they are able to make great decisions for themselves."


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This Saturday, Nov. 1, meet Daniel Boone & John Filson along with special performances of "Lila", The Life of a Missouri Slave. Inquire in the gift shop for details.
View Pavilion Sketch
Please pardon our construction during the next few months as we build our new Welcome Pavilion at the Historic Daniel Boone Home & Heritage Center. The Pavilion will be a great addition for the many school groups, tours, and individual families that visit our site. During construction, some tours may be altered slightly to ensure the safety of all of our guests. The Historic Daniel Boone Home will operate normal business hours during construction.
Step into history at the Historic Daniel Boone Home and Heritage Center. The Daniel Boone Home is nestled upon the rolling hills of wine country and overlooks the Femme Osage Valley. This beautiful setting represents life in the early 1800's from its adventures to its lifelong struggles. The Boone Home brings the legacy of Daniel Boone to life. Within the thick limestone walls, stories of a daring man offer a glimpse into family matters, risky adventures, and hard fought battles.
Today the Daniel Boone Home overlooks the village which is a simulated town comprised of over a dozen 19th century buildings. Each building has been moved to the site from within 50 miles of the local area. Buildings such as the general store, school house, and grist mill offer a peek into life on the Missouri frontier.
The Historic Daniel Boone Home and Heritage Center is owned and operated by Lindenwood University. The site's mission is to provide a center for fully integrated learning on all education levels; to preserve and protect the historic structures, collections, and natural resources that comprise the facility; and to interpret the early American frontier experience in Missouri as exemplified by the Boone family and their contemporaries.
Oct. 1 - May 31: 8:30 a.m. - 5:00 p.m.
Jun. 1 - Sep 30: 8:30 a.m. - 6:00 p.m.
Closed New Year's Day, Easter, Thanksgiving Day, Christmas Eve, and Christmas Day.


text:
Main Content
Truck drivers — the rugged men and women who move goods all over the U.S. of A. Hauling their loads for thousands of miles on a handful of hours, these drivers are the lifeblood of the country. Commemorate these rangers of the roadways with these Truckstop boardies from DC. True, these boardshorts feature 4-way stretch fabric, but their true appeal is in the majestic imagery of snow-capped mountains and fierce bald eagles. It's like the land of the free — but in an awesome pair of boardshorts.
- 100% Polyester fabric
- 11.5" Inseam on Size 30
- 4-Way stretch fabric
- Engineered print
- Imported
- Neoprene gusset
- Side pocket with bungee lanyard
- Tie front with four grommets
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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text:
The Second Vermont at Bull Run
From an interesting letter in the Burlington Times, doubtless written by Major Joyce, we make the following extracts relative to the part the Vermont Regiment took in the battle at Bull Run;
On, on we went upon the run, and our poor boys were dropping out by the dozens, yet no halt or slack. Now we have arrived at a road which leads up along the skirt of a piece of woods. We enter and go on upon the run. Now, Oh God! what a sight meets our eyes! Here are the hospitals for friends and foes, all thrown in together; here are the surgeons in the woods sawing off legs and arms from the poor fellows who have been wounded – some on the ground and some on a board; they shriek, they groan, they swear, in their delirium of agony; here comes the carts bringing in the wounded, the blood running from the cart like water from a street sprinkler. It is awful, it is terrible, but yet our brave boys press on. – Now comes a messenger saying to us, Go on, boys; they need your help. Then another saying, Go ahead, boys; the rebels are flying. We heed them not, but with steady step move on.
. . . .
The order was given to "Forward the Second," and you may depend it was done nobly. Oh, who would not have given a world at that moment to have been a Vermonter. Not a man but what felt they carried the honor of Vermont upon their bayonets. On they went – the orders come, "Captains in the rear of your companies," "boys, keep cool," "take good aim and mark your man." Not a pale face appeared in line; lips were compressed and hearts were as firm as the granite in their native hills. The air was filled even to darkness, with iron and lead, yet I felt a pride in being with the noble Second on that day; and although I was not born upon Vermont's soil, yet I was proud of her and her gallant sons, and gloried in the state of my adoption. – When we arrived on the brow of the hill we were in plain sight of the enemy's lines. We marched down the hill about half way, and halted in line of battle.
Between us and the enemy was a deep ravine, and on the other side, on the hill pitching toward us were the rebels, behind a Virginia rail fence. The order now came to open fire on the whole line. Our boys drew up their guns, took deliberate aim at that fence, and then it would have done your soul good to see the devils jump. At the second volley they all cut and run into a piece of woods on their left flank. Soon they made their appearance at the edge of the woods, and at them we went again like bull-dogs.
It would, perhaps, be invidious to call names, but I must be permitted to mention Captains Dillingham, Eaton, Hope and Randall, and Lieutenants Henry, Gregg, Campbell, Johnson, Howe, Tracy, Hugh and Tyler, as men who were under my eye the whole battle. With Capt. Dillingham I have always been acquainted, ,and have felt a sort of pride in his success. I have watched him, and I saw him in the midst of the carnage on that bloody day. He was as cool and as self possessed as when on Company parade. I could hear him give his orders to his men; I noticed his face as he passed back and forth, speaking words of encouragement to his brave boys, and by this example inspiring them with courage and fortitude. In a moment I saw him fall ! Oh, God! I sprang towards him and caught him in my arms, lifted him up, and, to my great joy discovered that a Minnie ball had only just grazed his temple and stunned him for the moment. I set him on his feet and left him in charge of his men, and started for my post on the left of the line, and scarcely had I gone ten paces when, with a voice that could be heard beyond the enemy's lines, I heard him say: "They have not killed me yet; give it to them, boys!"
Captains Smith, Fullam, Wallbridge, Todd, and others, behaved in a manner worthy of Vermont, while Capt. Randall greatly distinguished himself by his cool courage and self-possession; he was determined not to leave the field, and did not until compelled to do so by the commander. One word about our color-bearer: he is 6 feet 5 1-2 inches high – he carried his banner upon the field and stood by it during the whole battle, like Goliath of old. Not a limb trembled or or muscle moved. While six of the enemy's bullets pierced the sacred flag, not one touched the noble bearer. He is truly a great man and deserves to be remembered. . . . . .
Our Quarter master's Department is managed on a scale not to be surpassed by any regiment in the service. Mr. Pitkin is untiring in his efforts to make us all comfortable, and he is nobly sustained by the Quarter master Sergeant, Cain, and the Messrs. Stone.
St. Albans Daily Messenger, 8/9/1861
Contributed by John Hennessy


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