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My daughter came to HCA from public school as an 8th grader with significant ADD. I could not have asked for greater teachers or administrative staff to work with about my child's schooling or needs. The teachers are mentors to the children, developing their characters; working on integrity; and encouraging them to strive for academic excellence. The biggest difference that I see is the Christian community within the school itself from teacher to teacher; teacher to parent; student to student. The older students also mentor the younger ones something seldom seen in public school. This school has been a God send to my daughter and my family. One of the best well rounded private schools in the Richmond area.
We love this school. Our three children have been here for four years. Our daughter graduates this year and we couldn't be more pleased with her education and the person she has become. Heritage has a nurturing and caring group of teachers. They really do love the children and want the very best for them. Heritage is the best Christian school around in my book!
Our family has been truly blessed with the teachers,faculty,and staff at HCA.We have children at both campuses and they are excelling academicaly,spirtualy,and with extra curicular activities.I would encourage parents to visit the school.
Our family has a pre-schooler, an elementary student, and a middlel-school student. We are happy to send our children to HCA for academics and the Christian education experience (which certainly includes, but also transcends academics) even though we live in Chesterfield County with its own top-notch schools. We value the Christian world-view, the teachers and staff approach to daily issues, and the carefully chosen curriculum. The engagement of our families and parents creates a learning community that bands together towards the common goal of creating Christian leaders for tomorrow. I'm glad my children will be products of this environment.
There are very few private christian schools that will accept students with an I.E.P. Heritage Christian School was willing to accept my child knowing they would have to make accommodations for her. Not only the teachers but also the princpal worked with us those first few months as she settled into a more academic environment then she ever had in the past. As the year progressed one teacher in particular came along side her and challenged her to strive for excellence in her work. Although it hasn`t been an easy road she would tell you the struggles have all been worth it. Aside from academics I wanted my daughter to be surrounded by adults who were concerned about charater development and one that valued integrity. The staff at HCA demonstrate both of those qualities and I have seen the changes in my daughter . We am blessed.
HCA has been a true blessing to my family. My 4 yr old needed some special attention w/ the change in her life style. While she was only in prek the staff @ HCA took her in & helped her along the way. The entire staff knows her by first name as well as me - when I call the school I do not have to id myself as 'Logan's' mom all I have to say is it is Teresa. I love it - God knew what was best for our family we will continue w/. HCA - the ratio of children to teacher is wonderful, chapel prayer & the bible in class is the best. The manners that the kids take from HCA is outstanding. The price is this private school is well worth the piece of mind and faith that comes w/ it. GO HCA..We love you!
My child was in public high school before we considered private school. Since she has been at Heritage her behaviour,personal choices, and grades have changed dramatically. The staff at the school has a terrific no-tolerance policy for any negative behaviour. Within a few weeks it was obvious that the negative influences experienced in public school would not be a problem here because they are quickly handled. All the children, regardless of religion or ethnicity, are treated equally. The only ones not treated equally are those that are causing problems. It is refreshing to have my child in a school that doesn't ignore the bad behaviour in favor of isolating the well behaved child just to avoid confrontation. My child speaks up instead of staying quiet because they listen. The school may not be perfect but it was the right choice for us. I would not go back to public school.
My children have been at Heritage for the past 2 years. They were warm and open when I interviewed with the principal. They have a strong academic program and have since added a various selection of clubs and activities for the students. They expect the students to be leaders among their peers and show christian character. To me, I wouldn't expect anything different in a Christian School. That is exactly why I chose Heritage. A place where my children could achieve their academic goals and yet still be held to an acceptable standard of behavior.
My daughter and my son attend HCA. My daughter has been there for four years and my son started this year. I could not imagine my children anywhere else. The academic program is excellent and the values the children are learning are priceless. My daughter has blossomed from a shy introverted child into a confident and well spoken young lady, in large part due to the influence of not only her great teachers, but the entire staff. They care about the total child. Every child and family is treated with the love and respect that God calls us to give one another. I feel so blessed to be a part of the HCA family.
HCA has been a breath of fresh air! My daughter has ADD and when she was in public school we felt as though she was lost in the shuffle. When we put her in HCA in middle school, as a parent, I felt that I was included in her education again. I am able to discuss any questions at any time with her teachers. I feel that it is a partnership between our family and HCA to make sure that my daughter gets the best education possible. Any time that I have either needed to speak either with teachers or the administration I was always made to feel welcome and they have always made time for me. My daughter is doing wonderfully and I would never consider putting her back into public school.
Do you want to know if it is worth sending your kids to a private christian school? You need to talk to the students and the parents and ask them about their experiences. We have 3 boys, 8, 6 and 2 years old. We can help answer questions you may have about this wonderful school! We are so blessed to have found this school and we will never go back to public school again! firstname.lastname@example.com
Academics are well-achieved, but the most striking thing I find at this school is the character in the kids. These teachers love these kids! They diligently and consistently work on the children's attitude and character. What a Blessing to see this in a school setting! My first experience seeing this came when my daughter went to test at the school for her first year and her friend came along and waited with me out on the playground. She was very shy, but several children came gently to her and introduced themselves and asked if she wanted to play. Surprisingly, as it was not her usual response to something like this, she went ahead and they were extremely kind and sensitive to her. Wow! It's been three years now and it's only gotten better!
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7777 Cogbill Road
Chesterfield, VA 23832
Phone: (804) 271-1818
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Chairman Conyers, it's a pleasure to appear before you and the Committee today. I will address two broad sets of issues: (1) the best way to reform laws and regulations governing the resolution of large, complex nonbank financial institutions, and (2) antitrust issues related to the approval of bank mergers.
I. The Resolution of Failures of Large, Complex, Nonbank Financial Institutions
In the wake of the ad hoc bailouts of AIG and Bear Stearns, and the bankruptcy of Lehman, policy makers seeking to avoid having to make the choice between undertaking taxpayer?financed bailouts of risk takers and permitting potentially disruptive liquidations are struggling over whether and how to improve the resolution process for nonbank financial institutions.
One approach would be just to do nothing, have the government resolve never to assist failing nonbank financial institutions, and let the chips fall where they may. What is wrong with that approach?
Some argue that we learned from Lehman's failure the necessity of being prepared to assist a failing nonbank financial firm in order to avoid the costs borne by others from its failure. Lehman, according to that view, illustrates how a large, complex firm's failure can disrupt the broader network of financial transactions. Such a failure may entail opaque losses on counterparties and creditors of the failed institution, and a scramble for liquidity in response to those opaque losses can ensue, increasing the haircuts set in markets on illiquid collateral and raising demands for cash. This can cause risky asset prices to fall, driving down bank equity capital, and causing counterparties and lenders to contract the supply of contracts and loans, or to become insolvent. Such disruptions can have significant social costs.
People who are skeptical of the possibility of such costs should remember that the London clearing banks voluntarily pooled their resources to bail out an investment bank in 1890 (Barings) just to avoid the potential disruption that its failure might have had on their positions. French bankers orchestrated a similar privately funded bailout of the Paris Bourse in 1882. Bankers put their own money on the line because they perceived the risks of a liquidity crisis resulting from the failure of a large nonbank financial institution as real.
Whether the costs to the financial system were actually large in the case of Lehman Bros., however, is a matter of lively debate. There was lots of news happening around the time of Lehman's failure, not least of which were the many dire public statements by the Fed Chairman and the Treasury Secretary, which had a palpably negative effect on market sentiment and caused fear to spread throughout the financial system. As many financial experts, including Stanford's John Taylor and, Richard Sylla of NYU's Stern School, have argued, the approach taken to "selling" the nation on the TARP plan displayed a lack of cool?headed leadership, which magnified the effects of financial shocks and encouraged panic.
Furthermore, better financial policies between March and September 2008 likely would have prevented Lehman's failure from occurring in the first place, rendering a bailout unnecessary. Whether or not one supports the bailout of Bear Stearns in March 2008, it was known in March 2008 that Lehman was at risk; financial regulators should have pressed Lehman and other investment banks to raise capital in the spring or summer of 2008, when markets for raising capital were open and when Lehman's and others' stock prices were still high. If policy makers had forced Lehman to raise substantial equity capital in the spring or summer of 2008, its failure could have been avoided. Lehman's decision not to raise capital, and instead to sit on its hands for six months to see whether its stock price would improve, reflected its belief that it would also obtain a bailout. Moreover, if policy makers had been able in March 2008 to credibly commit not to bail out Lehman, Lehman likely would have decided on its own to raise capital in the spring or summer of 2008. It is reasonable to conclude that the Lehman failure was avoidable, and was caused by bailout expectations. Thus, it is hard to argue from that perspective that Lehman's failure teaches us the advantages of generous bailout policies.
Despite these legitimate arguments in favor of the avoiding nonbank financial firm bailouts, there are legitimate reasons to doubt the feasibility of such a commitment, even if one believed that it would be desirable to do so. Many economists, politicians and regulators believe that the costs of Lehman's failure were large, and that spillover costs could be similarly large for a nonbank financial firm's failure in the future. It is hard to imagine what evidence could be produced to disprove those beliefs, even if they are wrong. The genie is out of the bottle, and even if it would be better for us to just let the chips fall where they may (and there is a respectable argument that it would be better), under the current rules of the road, worries about "systemic risk" will likely result in more decisions to prevent failure.
This is especially true when one considers the decision making process that produces bailouts; experience has shown that political risk aversion favors bailouts even when they are not necessary. Which politician or regulator will be willing to risk a systemic meltdown on their watch and face the potential political backlash that would accompany it? Creditors of failing nonbank financial institutions are aware of policy makers' risk aversion (demonstrated by the series of bailouts, beginning in 1984 with what is now widely regarded as a political and regulatory overreaction to the failure of Continental Bank--the first example of the application of the too?big?to?fail doctrine); creditors will use that risk aversion to exaggerate their own vulnerability to shocks, as a means to obtain more free protection from the government (i.e., avoiding "haircuts").
Bailouts, as most recently illustrated by AIGCs experience, keep counterparties and creditors whole because there is no way short of bankruptcy under current law to force them to bear a loss. In other words, the game of chicken between government agencies and creditors is one that the government is likely to lose (as they did with AIG's creditors) when trying to convince creditors to share in losses, which will mean taxpayers will bear all the losses. The "holding up" of taxpayers by threatening regulators and politicians with the prospects of dire consequences for society if even small amounts of loss are borne privately has large social costs; not only do taxpayers suffer inordinate losses, the incentives from that loss?sharing arrangement lead to excessive risk taking by too-big?to?fail firms in the future.
There is broad consensus that this status quo is not acceptable, and it will not be changed by bold statements alone. We cannot simply pretend that under current laws our policy makers can (or should) commit never to bailout insolvent nonbank financial firms. Reform must create a means to transfer the control of assets and operations of a failed institution in an orderly way, while ensuring that shareholders and creditors of the failing firm suffer large losses. Those outcomes are essential if the resolution of failure is to avoid significant disruptions to third parties, and also avoid bailout costs to taxpayers and accompanying moral?hazard costs.
Two approaches to addressing the problem have been suggested: (1) bankruptcy reforms that are tailored to the needs of nonbank financial institutions (an approach favored by most Republicans in Congress, and exemplified by H.R. 3310), and (2) the creation of an administrative resolution authority (which is favored by most Democrats). After reviewing the pros and cons of these two approaches, I will show that a hybrid--bankruptcy reform with a resolution authority loophole--may be a superior policy choice than either of the two approaches currently on the table.
Critics of creating an administrative resolution authority rightly argue that placing discretionary authority over resolution in a regulator is likely to institutionalize too?big?to?fail protection, given the aversion to imposing losses on creditors that we have seen over the past 25 years of U.S. bailout history. That insight is central to the argument that bankruptcy reform, rather than the establishment of a resolution authority, is the best means to eliminate too?big?to-fail protection.
But, despite the arguments that I believe favor the bankruptcy reform approach, it is not clear whether the government can credibly pursue a pure bankruptcy approach, even if doing so were desirable. The problem is a political one: An economically defensible, "tough?love" bankruptcy system might encourage (for reasons associated with political risk aversion) ad hoc resolutions to occur outside the reformed bankruptcy process (i.e., a repeat of AIG).
For that reason, I believe it would be desirable to establish a hybrid bankruptcy/resolution approach, which pre?defines (and thereby, constrains) the way resolution would occur outside of bankruptcy, if it were to occur. If, to avoid ad hoc bailouts, the creation of some form of resolution authority loophole is desirable, it should be crafted, and can be crafted, to substantially limit the risk of taxpayer loss and the adverse incentives consequences that accompany it. Below, I discuss the pure bankruptcy approach, the pure resolution authority approach, and the hybrid bankruptcy/resolution authority approach that I am recommending.[1]
The Pure Bankruptcy Reform Approach: House Republicans have made a good start toward bankruptcy reform in H.R. 3310, but I would add several elements to address shortcomings of existing law as applied to complex nonbank financial institutions. Those shortcomings include: (1) the need for international coordination in establishing jurisdictions over assets (deciding which courts control which assets), (2) proper ways to structure payments on maturing contracts and debts, and debtor?in?possession (DIP) financing, to ensure continuing liquidity in the market for counterparties and creditors, and (3) the need to avoid the gaming of creditors' voting rules due to the hedging of creditors' exposures through derivatives positions.
With these problems in mind, my additional suggested bankruptcy reforms would focus on (1) establishing "living wills" of financial firms, approved in advance by regulatory authorities and governments in the relevant countries, so that locations of assets and jurisdictions are clear, (2) improving the rules governing payment of maturing debts and DIP financing so as to limit damage to third parties from frozen assets (e.g., using conservative valuations of the institutions' assets to permit fractional payouts to short?term debt holders in an amount less than the estimate of their ultimate recoveries, on the condition that they relinquish their claim to additional payments in the future), and (3) establishing new voting rules for creditors in bankruptcy that would better encourage efficient renegotiation.
The Pure Resolution Authority Approach: The motivation for a new resolution authority, administered by a financial regulator--which is supported by the Obama Administration and many Democrats in Congress--begins from the premise that bankruptcy reform (especially cross?country coordination) will take time, will be too inflexible, will not prevent financial network disruption, and thus, will not prevent the holding up of taxpayers via bailouts to avoid those disruptions.
I am not convinced that the technical problems alleged by critics of bankruptcy reform would make bankruptcy reform unworkable; I believe that the problems of international coordination are challenging but not intractable, and that it is possible to make significant improvements to the bankruptcy code that would speed efficient and timely renegotiations, while avoiding significant disruption to counterparties and creditors.
But, as I noted before, I see a political risk from relying only on bankruptcy reform: a tough?love bankruptcy regime might encourage regulators or politicians in the future to choose ad hoc bailouts instead of relying on bankruptcy, either because of special?interest pressures, or because policy makers are extremely risk averse about spillover effects. If that happened, then bankruptcy reform would not accomplish its central objective of avoiding taxpayer?funded bailouts.
For that reason, it is worth considering how resolution authority might be helpful as a supplement to bankruptcy reform. The key problem with the resolution authority alternative currently being advocated, however, is that it is likely to be abused, either as the result of pressures from special interests or as the result of the risk aversion of political or regulatory actors in the midst of the crisis. Resolution authority as it has been proposed would be too generous and would institutionalize the too?big?to?fail problem, rather than avoid it.
A Better, Hybrid Approach: Under a proposed hybrid approach (which is closely related to a recent proposal put forward by the Pew Trusts Task Force on Financial Reform, of which I am a member), the new bankruptcy process would be employed unless strict criteria were met to trigger a resolution process.[2] The resolution process would (1) impose 100% haircuts on stockholders and minimal, significant haircuts on all creditors and counterparties (say, 20%), which would ensure that creditors and counterparties would be more careful in granting credit to high?risk firms, (2) require ex post funding of the costs to taxpayers by the large financial institutions that presumably benefit from the use of the resolution authority (say, the 100 largest financial institutions), up to an amount equal to half of the aggregate net worth of those institutions, and (3) require both that Congress vote to allow the resolution authority to use taxpayer funds to backstop privately funded protection, and that a (value?weighted) majority of the financial institutions that would be liable for the cost of the resolution also vote in favor of using the resolution authority.[3]
A time?honored principle of incentive?compatible bailouts is that government should take a senior stake in support of a coalition of private sector firms, who bear the first tier of losses during bailouts. That approach underlay the successful resolutions of the Paris Bourse in 1882 and Barings in 1890. It is also broadly consistent with the rules governing assistance to many U.S. banks from the Reconstruction Finance Corporation (RFC) in the 1930s. RFC assistance forced stockholders of banks receiving preferred stock investments from the government to accumulate additional equity capital (which protected the government from extreme loss) as a condition for receiving preferred stock assistance. In other words, in crafting its bankruptcy/resolution policy reforms, government can and should rely on the self?interested behavior of market participants to prevent the institutionalization of too big to fail.
The proposed hybrid approach depoliticizes the decision to employ administrative resolution by forcing the private sector to share decision making authority, and financial responsibility, for bailouts. If the private sector were forced to pay for bailouts, and were given a role in deciding whether to implement bailout authority, we would be able to avoid politically driven excessive risk aversion when deciding whether a bailout is really necessary and how large the haircuts to creditors should be. This was precisely the logic applied by the designers of FDICIA in 1991; FDICIA required that support to distressed banks by the FDIC beyond what could be justified in a least?cost resolution calculation would have to be paid for by a special assessment on surviving banks, proportionate to their outstanding deposits. That was meant to ensure that the surviving banks bearing both the costs of bailouts and the benefits of reduced "systemic risk" would lobby to prevent unnecessary bailouts from occurring.[4]
II. The Inadequacy of Antitrust Enforcement in Approving Bank Mergers
With respect to the second topic of today's hearing, namely the potential for improving antitrust enforcement of bank mergers, I would stress that current antitrust regulation in banking is inadequate, and that--while expedited approval of mergers during a crisis is desirable--it would be undesirable to permit the proposed expedited approval of bank mergers under emergency circumstances without also substantially improving regulatory oversight of bank mergers.
The Fed and the Justice Department share responsibility for antitrust enforcement when approving bank mergers, but in practice, the Fed has played the dominant role, and both regulators generally have been a rubber stamp. I want to emphasize, lest I be misunderstood, that bank consolidation, deregulation of interstate branching, and the deregulation of bank powers restrictions played no adverse role in fostering risk taking during the recent crisis. Furthermore, for the most part, mergers during the past three decades, and the deregulation of bank powers that has permitted universal banking, have been helpful in serving the multi?product needs of bank customers, and in promoting efficiency and competition in local bank lending markets, as the research on the effects of bank consolidation on loan pricing has shown.[5] But that has not always been the case.
In one case with which I am familiar, the merger of the only two banks of any significant size in New England, the merger was not desirable from the perspective of many bank customers. In the merger of Fleet and BankBoston in 1999, middle?market borrowers in New England opposed the merger. I was able to show in my analysis of the effects of the merger on the loan market that they were right to do so. My study and affidavit predicted that a merger of the two banks would cause interest rates to rise by roughly a full percentage point for middle market borrowers. That estimate was corroborated by subsequent research that showed that, in fact, the merger caused middle market borrowers' interest rate spreads to rise by more a full percentage point.[6]
I was involved in the Fleet?BankBoston merger as a consultant to the Attorneys General of Massachusetts and Connecticut. Despite the concerns and evidence of anti?competitive effects, the merger was pushed through as the result of political pressures applied to regulators, including pressure from at least one highly influential member of Congress. Justice Department officials, in conversations in which I participated, initially supported action to prevent the merger, or at least to force a carve out of some of the middle market business of the combined entity in a way that would have encouraged another competing bank to enter the market to purchase the carved out assets, which would have included a substantial portfolio of middle?market business loans. Under political pressure, the Justice Department backed down. I was told by one of the state Attorneys General that a member of Congress threatened budgetary consequences for the Antitrust Division if they did not back off, and under the circumstances, the Attorneys General did not feel that they had sufficient authority to stop the merger or materially change its structure.
The Federal Reserve has also been a rubber stamp for mergers, so long as (1) the mergers did not violate the Fed's measure of excessive concentration in the local deposit market, and (2) activist community groups and their allies in Congress did not oppose the mergers. The first, deposit?market?share, condition is not an adequate measure of competition, since it applies only to deposit shares in each neighborhood, not to loans or other products, and it does not distinguish loans by relevant market niches (e.g., large corporate, middle?market, small business, consumer). It is easy to satisfy the local deposit market share condition by spinning off a few branches in a few neighborhoods, and doing so has no effect on competition in the regional loan market for mid?sized companies.
In my experience, the attention paid by the Fed to activist groups largely reflects Fed concerns about offending members of Congress; those concerns gave rise to the infamous use of pre?merger contracts between merging banks and well?organized community activists (e.g., ACORN), which were common during the merger wave. Merging banks paid those groups to support their mergers, whether or not the merger was in the interest of other local consumers or in the interest of small and medium?sized firms. This bribery/extortion racket was a national disgrace.
We need to empower antitrust enforcement of banking mergers by placing antitrust responsibility entirely in the Antitrust Division of the Justice Department, and by ensuring budgetary autonomy of that Division, which would insulate enforcement from the political pressures that have been applied in support of mergers by monopoly?seeking banks and rent?seeking self?appointed community groups. Once that reform has been accomplished, expediting the merger approval process under crisis conditions would make sense, but until and unless we fix the merger approval process, streamlined approval will just make abuses worse.
Antitrust concerns relating to bank lending to middle?sized firms are especially worrying now, given the small number of large banks that operate in many local communities. Large banks provide unique services for mid?sized businesses in their states. To ensure competition in lending to these important customers, which are the backbone of the American economy, ideally there should be at least three or four banks of significant size, and with substantial middle market lending capabilities, operating in each region of the country. Our current regulatory structure has produced a different outcome in some regions, and without improvements in the antitrust process, this is liable to become worse.
III. Summary of Opinions
In summary, I believe that a hybrid bankruptcy/resolution approach to reforming the framework within which resolutions of failed nonbank financial firms occur would be the most desirable way forward. That approach would avoid the risk of institutionalizing too?big?to?fail protection (the main risk of the pure administrative?resolution approach to reform), and would avoid the unwitting encouragement of ad hoc bailouts as an alternative to bankruptcy (the main risk of a pure bankruptcy approach to reform).
A properly structured hybrid approach would prevent excessive private sector risk taking (i.e., moral hazard) by credibly allowing nonbank financial firms to fail in most cases, and by imposing substantial losses on their creditors. It would remove the risk of large costs to taxpayers from bailouts, would force the private sector to bear almost all the costs of bailouts, and it would avoid unnecessary bailouts motivated by excessive political risk aversion.
With respect to antitrust policy, while the vast majority of consolidation in the financial services industry over the past three decades has been beneficial to bank clients, there are notable exceptions (the most obvious of which was the anticompetitive merger of Fleet and BankBoston). That merger was pushed through by special interests--monopoly?seeking banks, rent?seeking consumer activist groups, and politicians aligned with them--acting against the broader interests of consumers and firms. In some regions of the country--most obviously, in New England--there are too few large banks able to offer a full bundle of products and services to middle?market borrowers.
We need to improve the bank merger approval process, which has become too politicized to be reliably effective. We should remove the Fed from oversight of bank mergers and give the Antitrust Division of the Justice Department undivided authority, budgetary independence, and a mandate to avoid the creation of monopoly power, especially in middle?market lending. Once that is done, it would make sense to permit expedited consideration of bank mergers during financial crises. But until that is done, expedited approval would magnify the politicization of the merger process and the potential for the creation of undesirable monopoly power.
My discussions of nonbank financial firm bailouts and bank antitrust policy have something in common: They begin by recognizing that crafting good policy is not just a matter of resolving technical questions related to economic efficiency; rather, these policies are subject to political risks can affect, and have affected, their implementation. We must design bailout and antitrust policies better than we have in the past, to minimize the potential for undesirable outcomes driven by political processes.
Charles W. Calomiris is a visiting scholar at AEI.
[1] The hybrid approach outlined below reflects discussions I have participated in as a member of the Pew Trusts Task Force on Financial Reform. The approach is broadly consistent with the proposal put forth in the forthcoming report of the Task Force, "A Bi?Partisan Policy Statement," although the Pew Task Force did not offer details for an appropriate triggering mechanism for administrative resolution.
[2] As proposed by the Pew Trusts Task Force on Financial Reform, "A Bi?Partisan Policy Statement," November 2009, interim liquidity support could be provided for a brief period of time pending the decision over whether to opt for administrative resolution.
[3] It is possible to argue for different voting thresholds. A super?majority threshold could be justified on the grounds that only extremely severe ramifications for the financial system should give rise to the administrative resolution mechanism. A less?than?majority threshold could be justified on the grounds that resolution would prevent others, notably consumers and borrowing firms, from suffering costs of a credit crunch even when the majority of banks would not want to risk absorbing losses to prevent a credit crunch.
[4] My understanding of the logic of the FDICIA special assessment requirement is based on conversations with my colleagues on the Shadow Financial Regulatory Committee, especially with Professor Ken Scott of Stanford Law School, who is widely regarded as the originator of this idea.
[5] See, for example, Ricardo Correa, "Bank Integration and Financial Constraints: Evidence from U.S. Firms," Board of Governors of the Federal Reserve System, March 2008, and Isil Erel, "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S.," Review of Financial Studies (forthcoming), 2009.
[6] Charles W. Calomiris and Thanavut Pornrojnangkool, "Monopoly?Creating Bank Consolidation? The Merger of Fleet and BankBoston," National Bureau of Economic Research Working Paper 11351, May 2005.

subset: commoncrawl


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Posts tagged homestuck
Posts tagged homestuck
33 notes &
First Vriska showed up with this and saying hey, maybe doing bad things is wrong.
Except she thinks herself to be better than everyone else to the point that bad things are okay if she does them, because someone else is doing worse things, and she knows everything is wrong. So she can keep making people feel like shit, because she is the one doing it, and she has the holy insight of morality. Her version of morality, which is centered around her becoming a dictator and a martyr for the sake of the universe and spiting everyone that called her mean, basically. Even though there are thousands of others that could helping be with their own knowledge and experience.
Vriska is trying to cut down a forest by herself with 50,000 chainsaws and having everyone follow her in a straight line to hold the chainsaws for her instead of letting them actually help and improve the strategy, because her ego and victim complex are the size of multiple galaxies combined.
10 notes &
Why bother with internal conflict and encouraging critical thinking when you can just get the character drunk for no reason over and over and spell out everything for the reader on a giant billboard in big flashing lights? So much easier.
Alcoholism in teens as a punchline was just barely tolerable the first 500 times, but it starts to get old really, really fast. I get it. Reliance on alcohol is entertaining. Teens not having self control is amusing. Teens sometimes drink a lot more than they should when encountering stressful situations. Why show a teenager realistically and painfully responding to a stressful situation when you can lighten the mood and show them hilariously drunk off their ass instead?
Comedy gold.
18 notes &
6 notes &
The flow is really broken here, like a really unnecessarily dramatic pep speech in a movie that is taking itself way too seriously. Which it is.
34 notes &
You know how when in movies some character says something really perfect and out of place and way too thought out to the point of sounding obnoxiously forced like the entire situation was made just to justify using that one quote?
Feeling that right now.
12 notes &
Only in the memories of one of the most significant beings in the universe can we possibly discover the key to alter the course of our fate from absolute destruction…
Bill Nye…
75 notes &
Hey, you know the thing you have always wanted and that is probably your only chance at ever living again? I have it, but I mean, not that I want to be enemies, I still want to be friends with you, even if you are extremely dangerous and evil, but what I am saying is I want to stay friends, even though I really think you should stay dead forever, and I would never forgive myself for allowing someone like you to walk among the living.
No hard feelings, though.
80 notes &
HS fandom:
34 notes &
It looks like a skull, which is part of a skeleton, which has a lot of…bones.
4 notes &
Yep, that sure was a sound bite!
50 notes &
I never asked for this.
Alright, time to replay the-
57 notes &
On that fateful evening, all eyes turned towards the sky for a breathtaking view of a young troll realizing his true potential, performing a legendary double "fuck you" for the enraged spider queen fuming beneath him. Her spiteful words meant nothing now, for the child, perhaps now an adult, was long on his way towards a better, brighter future, in a joyful place where others believed in him-just as he now believed in himself.


text:
Editor's pick
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Tuesday, May 07, 2013


text:
iPhone - iPod
Kick The Boss 2: 17+ Answers for iPhone - iPodHome / iPhone - iPod /
Game Questions & Answers (Q&A) service lets you ask questions about video games for game consoles or PC games. So ask your Kick The Boss 2: 17+ question for iPhone - iPod and get answers from real gamers or answer questions and share your insights and experience with the rest of the gaming community.
- Developer: Game Hive Corp.
- Publisher: Game Hive Corp.
- Genre: Action General
- Release Date: Dec 10, 2012
- ESRB: Not Set
Question & Answers
Bits n' Pieces (Closed)
It says to "Create lots of Shards". What does that mean and how do you do it?
Answer from: Zain
I'm stuck in it 2 I think we need to break glass
Answer from: emangreen
U have to break a bunch of lightbullbs over his head the shater hence bitst n pces
Answer from: AnimalJamRocks
How do we get lightbulbs then? I don't have enough diomions!
Answer from: boos123
Do u have to use lightbulbs
Unanswered Questions
Upgraded weapons
From: Trey newawlins
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Total 0 Answers
Posted on: 10-03-2014
Posted on: 10-03-2014
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text:
Restaurant histograms of the day
I have a column at Grub Street today looking at some check-by-check level data for five New York restaurants. I got the data from the good people at Bundle, and NY Mag turned it into pretty charts, complete with a red line marking the median amount spent at each place.
But of course there's much more to these charts than could be fit into a Grub Street column. So here they are again; this time I've added two more datapoints to each one. The blue line — which is always to the right of the red line — marks the mean cost of a restaurant meal. That's the number you'll see if you visit the Bundle website. And the blue Z marks the amount that Zagat thinks a diner is likely to spend, with tax, tip, and one drink. At Per Se, for instance, the mean cost is $878, while the Zagat cost is $303. (This is a slight apples-to-oranges comparison, since the Zagat price is for one person, while the Bundle data is not per person but rather per credit card or debit card. But both are intended to give an idea of how much the restaurant is going to cost, and the Bundle data is surely much more accurate on that front.)
Zagat reckons that the "cost" of a meal at Megu is $87 — which is surely meant to mean something. But few people pay much attention to Zagat cost estimates, for good reason — in many cases, it's actually impossible to get out of a restaurant for the amount of money listed in the Zagat guide. At Per Se, for instance, even with no drink at all, the $295 prix-fixe menu, plus tax, will run you $320.
So how much does Megu cost, in reality? It turns out that question is pretty much impossible to answer. On the Bundle page for Megu, we can see that the average amount of money charged per credit card is "about $200 to $210"; that's based on a mean expenditure per card of $198.82. But if you look at other kinds of average expenditure at Megu, they look very different.
The mean expenditure, $198.82, is basically the total amount spent there divided by the number of cards used to pay for it all. So if someone pays for a massive blow-out party there, that'll raise the mean expenditure for everybody else. The median expenditure at Megu is substantially lower than the mean — it's $126.87. Finally, there's the mode. If you put all the charges at Megu into $10 buckets, instead of the $25 buckets in these charts, then the mode charge at Megu is between $70 and $80. More than 7% of charges at Megu fall in that range, which means that if you charge your card at Megu, there's a 1-in-14 chance that you'll spend seventy-something dollars on that card. That doesn't make it exactly probable, but it's more likely than any other amount.
But why try to reduce everything to a single number? This is one of those cases where a picture — or a histogram, rather — is worth a thousand words.
The Megu chart is actually about as simple as Bundle's restaurant histograms get. Megu was not picked at random. It was picked because it gets lots of customers, and therefore generates a lot of datapoints in the Bundle database; because it is open only for dinner, which means that the numbers aren't complicated by mixing up a relatively low-spending lunch crowd with a higher-spending dinner crowd; and because it doesn't have much of a bar scene — if you drink there, you're likely to eat there too.
But even so, the range of expenditures at Megu is enormous. More than 4% — one in 25 — of the card charges at Megu are for less than $20. And at the other end of the spectrum, more than 1.5% of the card charges are for more than $800; in fact, according to the Bundle data, you're just as likely to spend over $800 at Megu than you are to spend between $600 and $800. What's more, if you look just at the people spending more than $800 at Megu, their average expenditure is a whopping $1,894. The tails, in other words, are long.
I'll admit that I was hoping to see some humps in Bundle's histograms — what statisticians call a bimodal distribution. If Babbo's histogram, say, has one spike at $100 and another spike at $200, then that would be a pretty good indication that eating at Babbo is likely to cost you about $100 per head. The $100 spike would be people paying for themselves; the $200 spike would be people paying for someone else as well. And then maybe we'd see another spike at $400, too, where people picked up the check for a party of 4.
But I had no luck on that front. If you squint and hope and delude yourself a little, maybe you can find those spikes at $100 and $200 and maybe even $400. But what about that spike at $250?
The main message I get from the Babbo chart is just that there's an extraordinarily large range of checks at Babbo — you have a pretty good chance of coming up just about anywhere between $60 and $270. Which is not particularly helpful if you're someone trying to anticipate how much the restaurant is likely to cost.
In many ways, though, the most interesting of all these histograms is the one for Per Se. Here, everything is set: the menu is a fixed price, the service is included, and while some people are sure to push the boat out when it comes to wine, you can pretty much expect that most checks there are going to be much of a muchness. Can't you? Actually, no, you can't.
One in every 35 visitors to Per Se spends less than $75 there — how is that even possible? The mean, median, and mode are relatively close together — $878, $768, and $800 respectively — which implies to me that if you take one other person there for dinner, it's very easy to end up spending about $750 to $800 altogether. Except, that seems to be very much on the low side. Food alone can run you as much as $610 per person, and most people will spend hundreds more on wine.
At the far ends of the spectrum, fully 18% of the people spending money at Per Se are spending less than $325, which barely seems possible, even if you take into account the 3-days-a-week lunch menu at $185 per person. And that spike at the end representing people spending more than $3,000 is pretty substantial — those checks account for less than 2% of the payments run by the restaurant, but fully 10% of all its dining revenues.
In between, there's all manner of activity going on. There are two spikes at $600 and $800 — people like to put round numbers on their cards. 44% of all spending takes place in the range between $575 and $1,100 — but that just means that 56% doesn't.
All of which leads me to conclude that the very idea of a typical meal at a restaurant — or the idea of what a restaurant "costs" — just doesn't stand up to scrutiny. At Mr Chow of Tribeca, Zagat — which we can use as a guide to the minimum price — says a typical meal will run you $77. Bundle says the "real price range" is $200 to $210. The median amount charged to a card there is $145. And 2.1% of customers spend more than $800, while 17% spend less than $70. What will you spend if you go there? Pick a point on the chart and guess. One thing's for sure, though: you're wrong if you think that the diners at Mr Chow Tribeca are some kind of homogenous and interchangeable mass. They might look like that from the outside, but in fact there's a lot of variety there.
It would be nice indeed, then, if there were some neat formula where you could take the price of the average entree, say, multiply it by three, and get a typical all-in price per person. Sadly, there isn't. Some restaurants make most of their money on cocktails; others concentrate more on the food. Some allow diners to eat cheaply, others don't. But the big picture is that the differences between restaurants pale in comparison to the differences between diners. Some people are just going to spend a lot, others are going to get away with spending much less.
The next best thing, at least for people like me, would be a look at these histograms. If we had that, along with the ability to easily drill into the data, it would be an invaluable addition to Bundle's service. Bundle's $200-$210 number for Mr Chow of Tribeca, for instance, is interesting, but fully two in three people picking up a check spend less than $200 there.
If Bundle doesn't want to show histograms, then at least they should switch from mean to median. But in any case, their service is really exciting, since it's the first opportunity we've ever had to be able to make like-for-like comparisons between restaurants when to comes to the question of how much you're likely to spend. It's early days yet. But this could be the most important step in years when it comes to helping people know just how much different restaurants cost.
We welcome comments that advance the story through relevant opinion, anecdotes, links and data. If you see a comment that you believe is irrelevant or inappropriate, you can flag it to our editors by using the report abuse links. Views expressed in the comments do not represent those of Reuters. For more information on our comment policy, see http://blogs.reuters.com/fulldisclosure/2010/09/27/toward-a-more-thoughtful-conversation-on-stories/
Wow — could feed a family for a week for the cost of the least of these places!
"This is a slight apples-to-oranges comparison…" seems like quite an understatement. Per check would most likely include and average of 2+ diners, and would also include things like bottles of wine and multiple drinks.
One factor to keep in mind for many of these restaurants—even those that do not have an active bar scene—is that small charges may in fact reflect the cost of drinks purchased at the bar while waiting for the table, but not transferred to the actual table check. Whether this occurs in the restaurants you listed is an empirical question, but I've been to enough restaurants—even fairly nice ones—that force you to close out of your bar tab incurred while waiting for the table. The bottom line is that I am inclines to discount (somewhat) the data on the lower tail of the distribution as not representative of an actual meal. It may also explain why the distribution is more like a chi-squared (k > 2), rather than a power distribution (which one may expect ex ante).
These charts are all pretty conclusive to me. They all say one thing. And that is that I shouldn't eat at any of these restaurants.
Articles like this are great cases in point of the whole 99% to 1% concept.
Seems to me that you don't dwell on the most important confounding factor: how many people are eating on each charge. Yes, you mention it and acknowledge it, but in the end, if you don't know this, you cannot say much of anything. And this explains, better than anything else, why you cannot say much of anything. Why are you surprised?
Modes? Medians? Means? Chi-squared vs. power-law? All ridiculous to consider in view of the fact that what you are trying to determine — some notion of how much it costs *per person* to eat, say, dinner at one of these joints — is simply not possible to determine without knowing the number of diners that goes along with each check.
You cannot even say, except for your personal experience dining in some of these places where you doknow how many people were paid for, whether the mean at Megu is explained by the Zagat number together with the hypothesis that on average, people eat in pairs — or a bit more. Maybe each couple brings a baby?
As other have said, with no way to determine the size of the party for each check, this is junk data. Maybe the place that gets lots of $3,000 checks, gets those checks when it hosts birthday bashes with fifty people taking up the whole dining room, or whatever.
Seems like an awful lot of not very productive analysis when you could have just taken photos of their menus and we could see what they actually cost.
Median. Go with the median.
If you're looking at wealth, for example, the mean tells you the wealth of the pocket the typical dollar lives in. The median tells you the assets of the typical person.
Look, there _is_ a lot of variance in restaurant bills. But if you want to _compare_ locations, and do so from the point of view of the "typical" visitor (and I know the typical visitor is going to vary from one location to another), you're still best off with the median.


text:
The handcrafted traditional antique style with a design that is clearly printed on a velveteen-feel material. Size and color may very slightly.
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Although the detail in the rug top is very pretty, this rug is actually printed on PAPER (with a fuzzy peach-skin-like surface)... not fabric. It's as thin as a sheet of 20# paper and mine arrived with a few minor wrinkles. I feel this item is very overpriced for paper. However, because of the detailed image and the fuzzy surface, I decided to keep it as I plan to glue it on a piece of fabric (maybe broadcloth with frayed ends)so it will look and feel more like a rug rather than a piece of paper... $21.99 is way too much for this item... I feel that $5 would be a more realistic price for this item.
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text:
Q Bar had enough headaches from ongoing renovations in the hotel lobby below. Those became migraines after police closed the cocktail joint on Friday night. Fortunately, Q fans were not booze-less in Beijing for long. The shutdown appears to have been a one-night affair, and the Martinis, Margaritas and Manhattans are again flowing.
Speaking of martinis, M-dawg sends word that "James Bond had it right." He refers to a study by psychologist Charles Spence and chemist Andrea Sell that claims shaken martinis are tastier and healthier than stirred ones:
To these aficionados, the creation and presentation of a cocktail is a true science. Take the all-important issue of shaking rather than stirring the martini. In Canada in 1999, a group of students at the University of Western Ontario decided to test Bond's preference in a series of experiments on gin and vodka martinis. They studied the martini's ability to deactivate hydrogen peroxide, a substance used to bleach hair or disinfect scrapes and a potent source of the free radicals linked to ageing and disease. The detailed chemistry is not fully understood but martinis were much more effective than their basic ingredients, such as gin or vermouth, at deactivating hydrogen peroxide – and about twice as effective when shaken.
In their analysis of the results, published in the British Medical Journal, the team concluded, reasonably enough, that Bond's excellent state of health "may be due, at least in part, to compliant bartenders". And Sella believes that shaken martinis are not only healthier but also taste better. This is due to what experts call "mouth feel". The shaken martini has more microscopic shards of ice, making its texture more pleasing. He plans to test this hypothesis at the Cheltenham Festival, where he is expecting no shortage of volunteers.
The article is worth a read for its look at how color, glass shape, and other factors affect our perception of alcohol. For example, Spence is quoted as saying, "Researchers have shown that people drink up to 88 per cent more when consuming drinks in short, wide glasses than in tall, narrow glasses that hold the same volume," and, "Surprisingly, even experienced bartenders fall prey to this vertical-horizontal illusion. One study showed that veteran bartenders pour 26 per cent more alcohol into tumblers than highball glasses when measuring out a shot of spirits."
This suggests more research is needed and, to that end, my next visit to Q Bar will include side-by-side comparisons of stirred and shaken martinis.


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NEW Fall Schedule
The Fall 2014 class schedule has been revised and can be viewed here. We've added exciting new things for fall. Check out our SUNDAY Hours, skill-builders for cheerleaders and invitation-only classes! Younger gymnasts won't be left out - Play With Me……... Read more.
Keep Flippin' is proud to introduce our Parent's Night Out program! Take a night off to enjoy dinner or catch a movie. Kids ages 5 and up will have a flip-tastic night! There will be gymnastics, games, arts & crafts and more!! Pizza will be provided …... Read more.
Keep Flippin' Around Town!
Showteam will be at Jonathon Dickinson State Park Saturday, October 18th for shows at 3:30 and 5:30 p.m. Join us at The Jupiter Recreation Center on Friday, October 24th at 7:00 p.m. and Egret's Landing on Saturday, October 25th at 4:00 and 5:00 p.m.
Keep Flippin is very proud to announce we have a great schedule for 2014! Look for us in Palm Beach, Orlando, and the December 7th halftime show of the Miami Dolphins!


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David Chang serves as a holistic marketing catalyst, life purpose coach and visionary leader. Since completing his undergraduate degree from the Wharton School of U. Penn. in 1995, David has consulted to hundreds of holistic practitioners, retreat centers, yoga studios, non-profits, and socially responsible businesses. He has worked with many organizations including the Institute of Noetic Sciences (IONS), Omega Institute of Holistic Studies, Center for Visionary Leadership, and the Campaign for a US Department of Peace. While at IONS, he co-founded the PartnerShift Alliance, a collaborative working group comprised of leaders in the consciousness, sustainability and social justice communities.
David has also helped build the intergenerational movement in the US, co-founding two important events: INTERGEN and The Gathering of Emerging Leaders of All Ages. David has had the honor to receive teachings from many of today's spiritual leaders including: HH the Dalai Lama, Archbishop Desmond Tutu, Ammachi, Eckhart Tolle, Marianne Williamson, Gary Zukav, James Redfield, and Gordon Davidson.
David sees himself as a bridge between the inner and the outer as well as spirituality, business and politics. He is here to help us recognize that crisis is an opportunity for personal, spiritual and cultural awakening.


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General Topics
General Messages
> Kournikova(2) vs Rao(5) scores ???
View Full Version :
Kournikova(2) vs Rao(5) scores ???
May 9th, 2003, 07:28 PM
please can anyone ask for scores? :wavey:
May 9th, 2003, 07:36 PM
They said the match just started but that Anna has already spit on the chair umpire. For that she was given a very stern warning.
May 9th, 2003, 07:38 PM
May 9th, 2003, 07:40 PM
They said the match just started but that Anna has already spit on the chair umpire. For that she was give a very stern warning...
For which she answered - "I am terrified"
Dawn Marie
May 9th, 2003, 07:43 PM
May 9th, 2003, 07:47 PM
I'm a massive tool.
Please don't post misleading scores. It's worse than murder.
May 9th, 2003, 07:50 PM
Really ? ;)
Dawn Marie
May 9th, 2003, 07:51 PM
Amanda I love your signature. Were those people refering to Anna K? If so they should be hurt bad for that. Anna will do all the above!
May 9th, 2003, 07:54 PM
I just called and the woman said she didnt have any scores yet, the woman was quite bitchy also..... Im like YOU have to expect people are going to call. its freaking Anna, cmon now.....!!!
May 9th, 2003, 08:00 PM
Yeah I don't think she's giving scores until the thing is over. She DID, however, say that Anna had a pizza delivered to the court where she was playing and ate it during a changeover. She threw hot cheese at the chair umpire and he suffered 3rd degree burns on his cheek. Anna was again given a stern warning.
May 9th, 2003, 08:21 PM
In the second round, Kournikoya delivered a flurry of punches to the midsection that really weakened her opponent. However, Rao survived the round by clinching and tying up Kournikova. The strategy of Rao appears simple: she just waits patiently for an opportuntiy to deliver a big right hook to Kournikova's notoriously weak chin and score a TKO.
May 9th, 2003, 08:30 PM
Kournikova is up 63 43
May 9th, 2003, 08:31 PM
thanks! :D
The Guilty
May 9th, 2003, 08:31 PM
Thanks :)
Go Anna :D
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Indianapolis, Indiana and Ann Arbor, Michigan – October 1, 2014 – Online Tech opens its first data center in downtown Indianapolis today. The 44,000 square foot facility provides Indiana companies secure and multi-compliant options for cloud, colocation and disaster recovery infrastructure. The Indianapolis data center, Online Tech's fifth in the Midwest, becomes the first to offer businesses secure and compliant cloud computing in Indiana.
Detroit and Ann Arbor, Michigan – June 25, 2014 – Online Tech is close to completing the development of a major data center in Metro Detroit. It will provide pivotal support to companies leading the rebirth of Detroit's economy. The 34,000 square foot data center in Westland, Michigan, will deliver critical infrastructure for Detroit-area businesses driving the city's economic renaissance. It officially opens August 1, and data center tours are now available upon request.
Ann Arbor, Michigan – June 11, 2014 – A number of studies over the past decade have shown businesses that suffered major data loss as the result of a disaster never fully recovered. The majority shuttered their doors within two years of the incident. Many organizations diligently backup critical systems to a remote location to avoid a similar fate, but the realities of recovery inevitably incur unanticipated delays and complexities. The result? Stranded data.
Indianapolis, Indiana and Ann Arbor, Michigan – May 14, 2014 – Online Tech continues its expansion across the Great Lakes region with the acquisition of a data center in Indianapolis. The purpose-built corporate facility will deliver the company's full product line of secure, compliant cloud and colocation services for healthcare, financial services, retail and other companies in regulated industries. Online Tech's purchase of the property, planned upgrades, and enterprise-class cloud represents an investment of more than $10 million. It will also bring jobs and much-needed computing infrastructure to the expanding Indianapolis economic market.
October 1, 2014: Matt Roush of Technology Century reports on Online Tech opening its fifth data center in the Midwest and its first outside of Michigan.
September 28, 2014: Dan Munro of Forbes reports on "Is Anyone Really 'HIPAA' Compliant In Healthcare?" with a quote from Online Tech Co-CEO Mike Klein.
August 12, 2014: Matt Roush reports the Ann Arbor-based data center services provider Online Tech Inc. announced that its latest data center in Westland is open for business.
July 1, 2014: Jabez Tan writes Online Tech plans to launch its fourth Michigan data centre on August 1, serving the Metro Detroit region.
Recent Press Releases:


text:
Talk:Santa Barbara County, California
|WikiProject California / Santa Barbara County
|(Rated C-class, High-importance)
|WikiProject United States / Counties
|(Rated C-class, Low-importance)
A vote will occur in November of 2002. - does anyone know the result of this vote? Will Santa Barbara county be divided? -- Zoe
- As far as I can tell from scouring election results pages, there was no such vote. Here's an article with some background from July; apparently there was some sort of recall vote for one of the county supervisors, potentially tipping the political balance in favor of the north (the measure appears to have narrowly failed); meanwhile there's a movement afoot to place a secession measure on the 2004 ballot. --Brion
- Ah, thanks, Brion. There was an article earlier in the year that the vote would be on this year's ballot. I guess they didn't get enough signatures. -- Zoe
Wine events link[edit]
I have restored the "localwineevents.com" link. I might ordinarily have removed it as a spamlink, but it is specifically about part of the valley's economy/culture. What tipped in its favor was the website's listing in Wine & Spirits magazine's "Best Websites" section in its Fall 2006 Special Issue (page 16, you can look it up). --Calton | Talk 01:43, 6 August 2006 (UTC)
sbcwineries.com link[edit]
I would like to add the following external link to this page, amongst the the other Travel and Wine external links:
I feel this site has content which is on topic, relevant and useful to many readers. It lists all wineries manufacturing wine within SBC borders, regardless of membership to any particular appellation or vintner association. Complete with accurate map locations and guidance on access for the general public.
However as webmaster of sbcwineries.com I face the question of COI, so seek guidance.
Webmediasb (talk) 16:44, 18 August 2008 (UTC)
External links clean up[edit]
The external links section is excessive and some of it doesn't meet wikipedia standards
Links normally to be avoided
* 4.1 Advertising and conflicts of interest (gogrape.com and sustainablevine.com)
* 4.3 Sites requiring registration (appellationamerica.com)
and sbcwineries.com ought to be removed as the maps are just google's and the site doesnt have much substance. If you want a comprehensive site for the wine country without shamelessly promoting your business use www.sbcountywines.com , which is the vinter's association. They provide the map all the wineries handout. I will change it eventually, but I'd rather talk about it first before I go removing anything. Petermhorn (talk) 06:29, 20 December 2009 (UTC)
Attribution note[edit]
Some of the information in the Foxen Canyon Wine Trail section comes from the merged stub article Foxen Canyon Wine Trail. AgneCheese/Wine 05:45, 26 August 2011 (UTC)
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A panel of high-profile voucher debaters at Utah Valley State College on Wednesday tried to anchor…
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Semhar Tadesse -- the first person booted from this season of "Survivor" -- has been charged with DUI ... a month after she was popped in L.A. on suspicion of drunk driving.
TMZ broke the story ... Semhar was pulled over on October 27 after allegedly running a red light. Cops administered a field sobriety test and Semhar allegedly blew a .14 ... nearly twice the legal limit in California.
Semhar was charged with two misdemeanor counts of DUI last week -- one for driving under the influence, and one for driving with blood alcohol level of .08 or higher.
Her arraignment's scheduled for December 16.
Well she's obviously black, and in L.A. that means guilty! Keep her away from my chiljens!!!
She made TMZ, gonna be pissed to see that most of the comments were from some loser webstore. One thing I remember about this girl other then that she had a bad attitude...great breasts.
Good thing she didn't start spewing some of her crappy 'spoken word' to the cop or she also would have been charged with polluting the air. Hilarious to see Survivor contestants get to the island and then complain endlessly. One of the worst contestants ever. Her future ex-husband is a lucky guy.
Again, 30 days suspended drivers license, court costs, AA classes, 90 day Alcohol Awareness classes and 3 years probation.
Oh, and extremely high car insurance rates for the next 10 years.
Too bad she's not a lohan, huh?
Agree. She's WAY most talented, attractive and smells better than Linds. I hope she gets Judge Sautner. If she can afford LaShawn Holley for an attorney - L.A. will end up paying HER.
Who? What? Who cares?
Hey Semhar!
Let's meet at the crack shack and play hide the salami!
Stupid blue-gummed sow could have killed someone.
Whoa. She's a scary looking person.
she didn't figure in the fact that after all the weight loss, she couldn't consume as much.
the only survivor contestant I want to see going down is hasselbeck !!!


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415-599 East Redlands Boulevard has a Walk Score of 74 out of 100. This location is Very Walkable so most errands can be accomplished on foot.
This location is in Redlands. Nearby parks include Pepper Park, Ed Hales Park and Lincoln Memorial Shrine.
Nearby schools include Redlands Senior High School, Redlands Dance Reflections and Alliant Consulting.
The closest grocery stores are Albertsons, Vons and Nutrishop.
Nearby coffee shops include Starbucks, Greater Good Coffee and Naan Cafe. There are 30 restaurants within a 15 minute walk including DAIRY QUEEN BRAZIER, Baker's Burger and Tokyo Restaurant.
415-599 East Redlands Boulevard is near Pepper Park, Ed Hales Park and Abraham Lincoln Shrine.


text:
Kochi: A 40-year-old man, who was booked last month for allegedly raping his six-year-old daughter continuously for six months in Aluva area, was on Thursday arrested.
As per the complaint lodged by the man's former wife on December 8, the minor was raped continuously for six months by his father, who used to force her to consume alcohol before committing the crime.
The incidence came to light when the child was taken to a psychiatrist by mother following some changes in her behaviour, police said.
The child told the doctor that she was sexually abused by her father and some others. The minor and her younger sister are now at Juvenile Home at nearby Kakkanad, police sources said.
A case was registered by the police under the Protection of Children against Sexual Offence Act and Section 328 of IPC (giving liquor to a minor).


text:
McBride to ride for Karl Klement/Rush Racing at the O'Reilly Super Start Batteries NHRA Fall Nationals
September 14, 2009 by Benjamin Tuttle (Ticketing Manager)
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Pro Stock Motorcycle competitor Angie McBride will ride Karl Klement's Buell at the O'Reilly Super Start Batteries NHRA Fall Nationals presented by Castrol Syntec.
McBride, fiancée of former world champion Matt Smith, has been competing sporadically on the tour this year aboard one of Smith's bikes and hopes that the Dallas audition might lead to a more full-time role for 2010.
"I'm excited because this may be a stepping-stone to the future," said McBride. "Hopefully it is."
Smith built and mounted the engine in the bike that formerly was ridden by Peggy Llewellyn and Angelle Sampey.
"It's going to be a challenge, but I am going to go to the track and ride Karl's bike," she said. "If I keep that focus, I think we will do well. You have to keep focused on the job at hand. It's about getting the bike down the track. Thank you Karl and Kim Klement and Rush Racing for providing this opportunity."
Although Klement, who parked his operation for this season due to business demands, still is undecided about 2010, he has been active this year in that he has provided some teams with engines to gauge the competitiveness of his parts.
"By the end of the year and January, I'll know where I am at," he said. "For Rush Racing and Doc's Harley-Davidson, we're really excited about getting out there again."
Klement also is excited about having McBride on his team. "All she needs is a little opportunity and seat time," he said. "She can win. She is very capable of being a winner."
Super Seats: Get the best seats in the house
September 14, 2009 by Benjamin Tuttle (Ticketing Manager)
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The Super Seats at the Texas Motorplex offer one of the most unique drag racing experiences in the sport. The Super Seat grandstands have seat backs with a unobstructed view down the track straight to the scoreboards with the afternoon September sun at your back. Super Seat ticket holders have access to a dedicated Texas Motorplex Concession Stand located under the grandstands. All Super Seat tickets come with pit passes included and have easy access to the Top Fuel pits and the Manufacturer Midway. Super Seat packages come in Full Event, September 24-27, for $225.00 and Weekend, September 26-27, for $190. Click here to order you Super Seats NOW!
Want to up the ante a bit? Order Champions Club tickets and get the same benefits as the Super Seats you will also recieve meals, preferred parking, souvenir grab bag and access to the exclusive Texas Motorplex Champions Club. Click here for more info about the Champions Club.
Be prepared: The temperature is rising fast off the track too
September 11, 2009 by Benjamin Tuttle (Ticketing Manager)
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ENNIS, Texas (Sept. 10, 2009) – What else could you expect when prestige, Countdown positions and prize money are all on the line? The racing surface isn't the only thing that will be heated over the next six races.
John Force and Tony Pedregon had a heated argument last weekend as the drama unfolded at the 55th annual Mac Tools U.S. Nationals in Indianapolis. Tony and his brother, Cruz, both accused Force of cheating and manipulating race results to benefit John Force Racing's four-car squad.
To say the least, Force didn't appreciate being called a cheater. Force and Tony Pedregon battled it out during separate interviews during ESPN2′s coverage of the race before having a heated argument at the top end of the race track – just after Ashley Force Hood beat Tony Pedregon and Robert Hight beat Force. Hight's win over his Ford teammate bumped Cruz Pedregon (the 2008 series champion) out of the coveted 10th place in the Countdown, ensuring Cruz Pedregon will not be in the playoffs for the final six events of the NHRA Full Throttle Drag Racing Series.
Ashley Force Hood went on to claim her first U.S. Nationals title, becoming the first female to claim a Funny Car victory at the event.
Billy Meyer, owner of the Texas Motorplex and 1982 Funny Car winner at the U.S. Nationals, is pleased to see the racers' personality showing their true competitive colors.
In fact, as the 24th annual O'Reilly Super Start Batteries NHRA Fall Nationals at the Texas Motorplex readies for the Sept. 24-27 stop, Meyer hopes to see the racer's intensity heat up even more.
"I think it's great to see such personality coming out," Meyer said. "It shows how much passion they have for the sport. They are in fuel Funny Cars going 300 mph, and they should be fired up and passionate about what they do. No one wants a corporate bobble head in the cockpit of those cars. It's about time we get to see their competitive personality."
The Motorplex is one of the final six events of the 2009 season – which make up the Countdown to 1 playoff schedule. Only the top 10 racers in each of the four professional categories – Top Fuel, Funny Car, Pro Stock and Pro Stock Motorcycle – will earn the right to compete for the 2009 NHRA championships. All professional racers had 18 events to battle their way into the top 10.
Meyer said having the U.S. Nationals as the final event for racers to bump into the top 10, therefore be eligible to race for the championship title, just set the stage for heated moments.
"I am one of the lucky drivers who can say they battled and won a U.S. Nationals title," Meyer said. "I know what it takes to win that event. It's
a marathon and everyone is throwing everything they have at the track to win. I don't know a driver who would give up that trophy because you don't just stumble upon a U.S. Nationals victory. You have to fight for it.
"I also know that every team has sponsors to answer to and everyone wants their team to be in the Countdown. Force Racing accomplished that goal and now have four cars in the Countdown."
J.R. Todd earned the 2008 Top Fuel victory at the Motorplex while Tim Wilkerson is defending the Funny Car title, Greg Stanfield will be defending Pro Stock and Chris Rivas will defend the Pro Stock Motorcycle title.
Sportsman qualifying begins at 10 a.m. on Sept. 24. The first of four rounds of professional qualifying is scheduled for 2 p.m. on Sept. 25, continuing at 4:45 p.m. that evening. Qualifying wraps up with sessions at 11:15 a.m. and 2:30 p.m. on Sept. 26. Final eliminations begin at 11 a.m. on Sept. 27.
Tickets for all four days of racing can be purchased by phone at 800-MOTORPLEX (800-668-6775) or at the track.
1. Antron Brown 2110 Hadman
2. Larry Dixon 2080 Hadman
3. Tony Schumacher 2070 Hadman
4. Brandon Bernstein 2060 Hadman
5. Cory McClenathan 2050 Hadman
6. Spencer Massey 2040 Dragster
7. Morgan Lucas 2030 Hadman
8. Shawn Langdon 2020 Hadman
9. Doug Kalitta 2010 Attac
10. Clay Millican 2000 Hadman
1. Tony Pedregon 2110 Chevrolet
2. Ron Capps 2080 Dodge
3. Ashley Force 2070 Ford
4. Bob Tasca III 2060 Ford
5. Jack Beckman 2050 Dodge
6. Tim Wilkerson 2040 Ford
7. John Force 2030 Ford
8. Del Worsham 2020 Toyota
9. Mike Neff 2010 Ford
10. Robert Hight 2000 Ford
1. Jeg Coughlin 2110 Chevrolet
2. Jason Line 2080 Pontiac
3. Mike Edwards 2070 Pontiac
4. Greg Anderson 2060 Pontiac
5. Allen Johnson 2050 Dodge
6. Greg Stanfield 2040 Pontiac
7. Ron Krisher 2030 Chevrolet
8. Kurt Johnson 2020 Chevrolet
9. Richard Jones 2010 Dodge
10. Johnny Gray 2000 Dodge
1. Ed Krawiec 2110 Harley-Davidson
2. Andrew Hines 2080 Harley-Davidson
3. Hector Arana 2070 Buell
4. Matt Smith 2060 Suzuki
5. Douglas Horne 2050 Buell
6. Craig Treble 2040 Suzuki
7. Michael Phillips 2030 Suzuki
8. Matt Guidera 2020 Buell
9. Shawn Gann 2010 Buell
10. Karen Stoffer 2000 Suzuki
Order early and skip the wait at the box office
September 10, 2009 by Benjamin Tuttle (Ticketing Manager)
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One of the major benefits to ordering your O'Reilly Super Start Batteries NHRA Fall Nationals tickets before September 14 is that we will mail the tickets to you and you will not have to wait in the will call lines at the box office to pick up your tickets. All tickets ordered on or after Monday September 14 will be held in will call to be picked up at the main spectator box office.
Beat the wait and order your O'Reilly Super Start Batteries NHRA Fall Nationals tickets NOW by clicking here or by calling 1-800-Motorplex (800-668-6775).
National Guard ADRL Racers Gear Up for Flowmaster Dragstock VI
September 9, 2009 by Benjamin Tuttle (Ticketing Manager)
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O'FALLON, MO (Sep. 9, 2009) — It takes time for any sporting event to develop historic and sentimental importance for competitors and fans, but the National Guard American Drag Racing League's (ADRL's) annual Flowmaster Dragstock is well on its way to achieving legendary status. This year's Flowmaster Dragstock VI takes over Rockingham (NC) Dragway Sep. 11-12, and with record-setting car counts and spectator attendance expected, it promises to expand the event's reputation and prestige.
As the literal jumping off point for the National Guard ADRL in 2004, Dragstock has played a pivotal role in shaping the series and already has become the one race every racer wants to see his or her name written beside in the win column.
"Winning any ADRL race is like hitting a home run, but if I could win at Dragstock, that would be my grand slam," 36-year Pro Nitrous veteran Charles Carpenter said. "Rockingham is my home track and we expect literally hundreds of our fans, friends and customers to show up, so it would just be such a huge accomplishment for us to win there."
As the final points-earning opportunity toward the championship-deciding Speedtech Battle for the Belts, Dragstock also can play a huge role in a team's assessment of its year. With only the top eight in points in each of the National Guard ADRL's five professional classes getting to race each other for the 2009 world championships this October in Ennis, Texas, each point gained or missed at Dragstock carries added meaning for certain drivers and teams.
For instance, with 100 points granted for each round win and bonuses offered for qualifying well and setting records, Pro Extreme racer Jason Hamstra enters Flowmaster Dragstock VI just over one round behind Frankie Taylor in eighth place, while in Pro Nitrous, Pat Stoken is in a similar position behind Steve Vick.
The eight-car Flowmaster Extreme 10.5 Speedtech Battle for the Belts field is already set, though plenty of room remains for contenders to shuffle their starting positions for the Battle in Texas. Pro Extreme Motorcycle remains wide open, however, again with the opportunity for current Belts contenders to improve their position and with no less than five non-qualifiers well within striking distance to break into the field.
And just four points behind Dragstock V winner Cary Goforth in the final Extreme Pro Stock Belts position is Robert Patrick Jr., with Jeff Dobbins also less than two rounds from inclusion.
"It's always a tough race," said Bubba Stanton, winner of Flowmaster Dragstock V's Pro Extreme event and currently seventh in points. "It's a big race and I'd love to defend our title, but I'm going in there this year just trying to be consistent and making sure we stay in the top eight."
Flowmaster Dragstock at Rockingham Dragway also is known for offering record-setting conditions and was the site of the National Guard ADRL's first 200-mile-per-hour pass over the eighth mile when reigning two-time Pro Extreme champ Jason Scruggs turned the trick during qualifying in 2007 before eventually leaving with both official elapsed time and speed records.
Last year's Flowmaster Dragstock V also produced memorable on-track results, highlighted by Billy Glidden running a then-record 4.14 in the Flowmaster Extreme 10.5 final and Andy Jensen upsetting the Pro Nitrous world by seizing the E.T. record in what turned out to be the swan song appearance for turbocharged entries in the class.
Additionally, the debut of Puerto Rico's Raymond Matos and Qatar's Khalid Al-Balooshi in the Pro Nitrous ranks gave the 2008 event an international flair, with Matos even scoring the surprise win to write himself a storybook ending.
The fans, too, arrived in force for Flowmaster Dragstock V, with some 31,000 passing through the Rockingham Dragway gates on Saturday alone.
It all added up to an exciting, over-the-top event that prompted Extreme Pro Stock's Patrick telling National Guard ADRL President and CEO Kenny Nowling, "I've raced a long time and I've been in a lot of important races, but I don't get 'goosebumps' much anymore. At this event I get them every time I come to the line."
Packed grandstands and tight racing are now the hallmarks of all National Guard ADRL events, but it all started with Flowmaster Dragstock, the O'Fallon, Missouri-based series' oldest and most prestigious race, scheduled this year for Sep. 11-12, at North Carolina's Rockingham Dragway (shown).
Flowmaster, Inc. is housed in two ultra-modern facilities in Santa Rosa and West Sacramento, California, together totaling over 400,000 square feet. Flowmaster employs over 250 workers dedicated to building the highest quality U.S.-made exhaust products available. Flowmaster's product line includes exhaust products for Performance Street, Muscle Cars, Trucks, Street Rods, RVs, Motorhomes, and all types of race applications. With more than 400 different muffler models, 370-plus exhaust systems and numerous exhaust accessories available, Flowmaster offers the choice to fit your specific vehicle needs, or your sound preference from "wild to mild." For more information on Flowmaster, visit www.flowmaster.com.
The National Guard is the oldest component of the Armed Forces of the United States and one of the nation's longest enduring institutions. The National Guard operates in all 50 states, three territories (Puerto Rico, Guam and the Virgin Islands) and the District of Columbia. For more information on the National Guard, visit www.NationalGuard.com.
Based in O'Fallon, Missouri, the American Drag Racing League is the nation's premier sanctioning body for the sport of eighth-mile drag racing. The professional categories featured in the ADRL are Extreme Pro Stock, Pro Extreme Motorcycle, Extreme 10.5, Pro Nitrous, and Pro Extreme, the quickest doorslammer class in all of drag racing. The 2009 National Guard ADRL series consists of 10 national events run throughout the United States. For more information on the ADRL, visit www.ADRL.us.


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