text:
|Publication number
|Publication type
|Application number
|Publication date
|Jun 11, 2009
|Filing date
|May 4, 2007
|Priority date
|May 4, 2006
|Also published as
|Publication number
|Larry Christensen, James K. Wilson, Warren M. Linscott, JR., Amish Sheth
|Original Assignee
|Jpmorgan Chase Bank, N.A.
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (5), Referenced by (30), Classifications (8), Legal Events (7)
|External Links: USPTO, USPTO Assignment, Espacenet
This application claims priority to Provisional Application Ser. No. 60/746,467, filed May 4, 2006, titled "System and Method for Restricted Party Screening and Resolution Services," Attorney Docket No. 47004.000425, which is incorporated herein by reference in its entirety.
The present invention relates generally to a data processing system and method for restricted party screening, and more particularly, to a system and method that provides a solution for companies to protect their trade interests by providing services to help prevent illegal domestic and international transactions.
Governments around the world have published various entity lists which identify individuals, companies, and countries subject to government restrictions. These restrictions vary enormously—from an entity with which it is expressly forbidden to have any contact, to an entity that is restricted in trading certain goods, to an entity that might require an export license from the appropriate government. In response to a rise in global terrorism and concerns of weapons proliferation, governments have placed even more trade restrictions on an increasing number of individuals and companies.
In addition to entity controls, there are also trade sanctions and embargoes against entire countries. As a result, it has become increasingly difficult to perform complex international business while ensuring that the customer's prospects, suppliers, and distributors are not subject to restrictions at the entity and country levels.
Commercial entities are often left on their own to verify a match with a certain restricted parties list, which may not even be the most updated one. Because there often is no central list of denied parties, companies face the challenging issue of how to screen against an overwhelming volume of information without impacting productivity. Basic automation may be used to provide some assistance. But existing basic resolution services lack an automated system and database/query process for restrictive party screening. In addition, most conventional screening products provide very limited functionality. For example, a user would be required to manually enter individual entities without the ability to load batches of entities, generate reports, or maintain an audit trail. Moreover, conventional screening products tend to have high implementation costs and are not generally offered in a stand-alone configuration. As a result, conventional screening systems and processes may often become expensive, inefficient, inaccurate, and unreliable.
Other problems and drawbacks may also be considered.
A system and method for screening data for restricted party screening. The system comprises an input for entering data, a screening system for screening the data against a database comprising restricted entities information, generating a match score based on the screening of the data, providing a data match based on the match score, and outputting the data match, a work queue for reviewing the data match, and a report generated based on the review of the data match. The system and method further comprise a component for tokenization, a component for word token comparisons, and component for phrase match comparisons. The components for tokenization, for word token comparisons, and for phrase match comparisons further comprise a tuning configuration. The system and method further comprise a match verification component for reviewing the report and generating a match verification decision. The match verification may be provided by either a user or a host agent.
The benefits and advantages of the present invention may include providing a system and method for consolidating domestic and international restricted lists, providing real-time risk screening technology based on distinct tunable screening algorithms and various dictionaries, daily monitoring and updates, complying with audit trail and management reporting standards, providing a host agent response team for match verification, and providing a low cost solution with excellent usability, workflow, and minimal implementation costs.
According to one aspect of the present invention, in order to overcome one or more of the aforementioned and other limitations of existing systems and methods, a restricted party screening and resolution services may be provided.
In accordance with another aspect of the present invention, a software system and method for providing heuristic screening that incorporates a screening engine utilizing distinct and tunable algorithms, a variety of dictionaries, and storage capabilities to ensure a low-cost and reliable solution for screening may also be provided.
In accordance with another aspect of the present invention, a system and method for providing a match verification services team with knowledge, experience, and expertise in managing and resolving potential matches to increase workflow and productivity may further be provided.
In accordance with another aspect of the present invention, a system and method for consolidating domestic and international restricted lists and providing real-time risk screening technology may additionally be provided.
In accordance with another aspect of the present invention, a system and method for daily monitoring and updates, audit trail compliance, and management reporting may also be provided.
Additional features and advantages of the invention will be set forth in the description that follows, and in part will be apparent from the description, or may be learned by practice of the invention. The aspects and other advantages of the invention will be realized and attained by the system and methods, particularly pointed out in the written description and claims hereof as well as the appended drawings.
Exemplary embodiments of the invention are discussed in detail below. While specific exemplary embodiments are discussed, it should be understood that this is done for illustration purposes only. A person skilled in the relevant art will recognize that other components and configurations may be used without departing from the spirit and scope of the invention.
The screening engine system 112 may comprise a screening engine 114 and several databases. These databases may include a restricted party lists database 116, a customer party database 118, and a customer audit trail database 120. When the automated screening engine 114 receives the data from the input 110, it may be screened against one or more databases to generate a data match. The data match may then be outputted to a work queue 122 for review. During the review, potential matches may be resolved by the user or the host. In one embodiment, the user may review the work queue 122 by any form of an internal review protocol, e.g., in a hosted solution application. In another embodiment, a host may provide resolution services to the user to resolve potential matches produced from the screening using an ISO compliant protocol on the user's behalf. Once potential data matches are reviewed, reports based on the review may be generated. While one configuration is shown in
In one embodiment of the present invention, a hosted solution application option may be available to users. Here, the hosted solution may be in the form of a software application that is customized to a user's needs based on transactional volume and other business requirements. While one configuration is described, it should be appreciated by one of ordinary skill in the art that other configurations, such as any type of computer-storage media or web-hosted application, may also be possible. A user may be given a user account for access to areas of the application that may be specific to each of the various user's roles. According to one embodiment, a user may only have access to the manual screening portion of the application. Here, the user may not be authorized to make screening decisions. In another embodiment, one type of user may have access to the manual screening window, the work queue, and the reports. Here, the user may be authorized to make screening decisions and generate reports. In another embodiment, a user may have access to all of the areas of the screening system described above. Here, the user may have additional authorization to a configuration page which allows the user to control which restricted party lists will be used when screening occurs. In yet another embodiment, administrator privileges may be considered for other customizable features as well. The combination of the aforementioned embodiments may provide users with the flexibility to customize and tailor the hosted solution application for their screening needs. While each of these embodiments may provide different levels of user access, it may be possible for users with various access authorization to exist within one embodiment if desired.
An advantage of the hosted solution is that the application work queue allows users to quickly review and make decisions on potential data matches generated through batch or real-time processing. Another advantage is that the user may have a wide array of standard reports that can be used fulfill internal processes and audit requirements.
Another embodiment of the present invention may comprise a system and method comprising an operational approach to restricted party screening via a backend software tool. According to one embodiment of the invention, the user may provide data for automated screening by manual entry or text flat-file loading. Once the data has been received and screened using the automated screening engine, a host agent may resolve potential matches produced from the initial screening using and ISO compliant process on the user's behalf. After an initial resolution services has been provided by the host, reports which detail the work that has been performed and highlighted entities requiring further review may be made available to the user for compliance due diligence. Although the user may have limited access in this embodiment to the run reports, manage the screening configuration, or make decisions on potential matches, a user may be allowed to have interaction via manual entry of partner data through a web user interface. Alternative integration methods and data storage and maintenance may also be provided to the user in another embodiment.
One advantage of the operational solution is that it eliminates a user's need to have trained in house personnel to resolve and review potential data matches. An operational approach provides a highly skilled and dedicated team with the trade expertise to resolve a match that would otherwise be timely and costly.
As described above, users may enter data for screening in three ways: (1) manual screening, (2) text flat-file integration, or (3) XML integration. Restrictions may be placed on the transport protocol for each of the integration types in addition to security restrictions. Alternative integration methods may be provided to the user upon request, which may entail a separate dedicated environment or installation of additional applications on the user's site.
In one embodiment, manual entry may be accomplished by the user by entering the name and address data into system for screening. In addition to the name and address fields, a user may also enter a unique identification (ID) number for a predetermined partner.
Manual Entry Field Description
410. Unique partner identification number created
by user or generated by host system.
412. Full, shortened, or abbreviated name of individual,
commercial entity, or other naming conventions.
414. Street, suite, apartment number, districts, or other
components of address not normally covered under City,
State, or Country.
416. City, town, village, or other postal destinations.
418. Name of state, province, county, or other
geographical boundary designations.
420. Country in which partner resides or is based from.
As described above, users having the appropriate security role or access authorization may review and decide on potential data matches. Users who do not have the appropriate security role may receive a response as to whether the screening engine system has identified a "potential match" or whether "no match" was found.
In one embodiment of the present invention, flat file integration may be performed using the host's Secure FTP server. Here, using a secure FTP server having, for example, Open SSH 2.0 encryption, a user may transmit input data 610 in text flat files to the host screening engine system 612. Other secure FTP servers may comprise Putty, F-secure, and other formats to support SSH protocol. The flat-file format may be useful for loading multiple partner data into the hosted solution software. In one embodiment, multiple partner information may be loaded even within a single file. However, a user may also load single partner data as well, if desired. The file format may be defined to enable the host to process the data and return the match information to the user through a text file.
In a delimited file format as discussed above, there may be pre-defined, pipe-separated (|) text formatting. These may comprise:
Accordingly, a flat-file request input data format may appear as follows:
One example of this format according to one embodiment of the invention may appear as follows:
NAME|1234 Main Street||||||Fairfax|VA|20132|US|BOBM
Table 2 is an exemplary table that provides a description of each of the flat-file entry fields depicted above.
Flat-File Request Format Description
A fixed-value file designation attribute,
which the system uses to recognize the
inbound file.
Partner ID
Unique partner identifier that the system
uses in the response message and for
Partner type
Identifies the type of partner since partner
type not typically recognized during
System identifier for the client that may be
provided during rapid implementation
Identifies the instance of the screening
engine, which may be provided during the
rapid implementation phase.
The individual/contact name and/or
company or entity name of the partner.
The system may recognize a single name
input string.
Address 1
Address line 1
Address 2
Address line 2
Address 3
Address line 3
Address 4
Address line 4
Address 5
Address line 5
Postal town, city, or district of the partner.
State name
State, county, or province of the partner.
ISO state
Two-letter ISO state code, if known.
Postal code
Postal code of partner.
ISO country
Two-letter ISO country code of partner, if
Client user
Not typically used by screening system,
but may be used as the User ID who
originally created the partner.
The HTTP address to which the screening
system sends response XML messages.
Use cache
A Boolean field with values of TRUE or
TRUE instructs the system to locate
a partner with the same partner ID.
If the system finds a matching
partner, the system uses the
matching decision stored against
that partner. Selecting TRUE
prevents repetitive false-positive
hits against the same partner.
FALSE overwrites the previous
screening results of the partner
with the same partner ID with the
new results.
A Boolean field with values of TRUE or
TRUE instructs the system to
maintain the partner in the database
for future use such as rescreening,
reports, or the audit trail, for
FALSE does not retain any partner
details in the database.
User field 1
For use by user. Examples may include
Order ID, Date, Note, or other identifier.
User field 2
For use by user. Examples may include
Order ID, Date, Note, or other identifier.
User field 3
For use by user. Examples may include
Order ID, Date, Note, or other identifier.
According to an embodiment of the present invention, the output data file format may be defined to enable a user or a user's system to process the results and perform the necessary updates on its own system. Response files may be generated as a word queue decision file 624, inbound response file 626, or a rescreening event file 628. A word queue decision file 624 may be a single file generated by the system when the user selects a decision during the review stage from the word queue. This file 624 may be sent using secure FTP to the user and may contain the result for a single partner. The inbound response file 626 may process all partner data and may identify each partner as a possible match or not a match. The result of the inbound response file 626 may correspond to the partner input files. For example, if the input data contained one hundred partners, the response file 626 may contain the screening decisions for the same one hundred partners. The rescreening event file 628 may send a file to the user's application it finds a possible match between a new or amended entity and an existing partner. The rescreening event file 628 may contain the matching details for one partner. If partners possibly match one or more entities, the screening engine system 612 may output multiple files.
A sample flat-file response according to one embodiment of the invention may appear in the following format:
PTNR Record
EMS_RPL Record (0 or more, per PTNR record)
RPL_NAM Record (0 or more, per EMS_RPL record)
RPL_ADD Record (0 or more, per EMS_RPL record)
RPL_CIT Record (0 or more, per EMS_RPL record)
Here, the PTNR Record may appear as follows:
The entity details may appear as follows:
The entity detail elements in the response message may be included if the Administrator selects the option during configuration. If selected, the system may include one entity detail element for each matching RPL record. For any given response, there may be zero or more EMS_RPL, RPL_NAM, RPL_ADD, or RPL_CIT records. If the entity detail information is not selected, the system may not return any such records.
Table 3 is an exemplary table that provides a description of each of the flat-file response fields depicted above according to one embodiment of the present invention, in addition to those shown in Table 2.
Flat-File Response Format Description
User decision
Set by the user. A value of N indicates
"no match" and Y indicates "match."
Entity result
A value of N indicates "no match" and C
indicates "possible match."
EPCI result
A value of N indicates "no match" and Y
indicates "possible match."
A value of N indicates "no match" and Y
indicates "possible match."
US embargo
A value of N indicates "no match" and Y
indicates "possible match."
UN embargo
A value of N indicates "no match" and Y
indicates "possible match."
EU embargo
A value of N indicates "no match" and Y
indicates "possible match."
US proscribed
A value of N indicates "no match" and Y
indicates "possible match."
Address 1
Address line 1
Address 2
Address line 2
Address 3
Address line 3
Address 4
Address line 4
Address 5
Address line 5
Date the entity legislation came into
Known e-mail address of the restricted
Entity header
Identifies various parameters for a
matching entity.
Entity type
Reserved for future use.
Date the entity legislation expires.
Known fax number of the restricted
Citation date
Date of publication for the entity
Citation page
The page number of the entity
Citation volume
The volume of the entity legislation.
The system-calculated match probability
between the partner and the entity.
Header that identifies various address
parameters for a matching entity.
Header that identifies various citation
parameters for a matching entity.
Represents the country, dependency, or
country code
area of special sovereignty where the
restricted entity originated. This may
differ by CTRY_CODE, which reflects a
country for a specific address.
Entity ID
ID from the RPL database of the
matching entity.
Entity name
Header to identify various name
parameters for a matching entity.
Identifies the published list that contains
list name
the entity.
Identifies each unique record identifier
within each XML header tag.
There are several events that may cause the screening system to send response data to the user: (1) Synchronous response to a partner load, (2) Asynchronous response from the work queue, and (3) Asynchronous message following and RPL update.
For synchronous response to a partner load, the user may send in one or mare partner data to the screening engine via flat file. In response, the screening engine may send a decision response message. The decision fields are RPL_IND and DECISION. Two different scenarios may include: (a) No match during screening: DECISION equals N, RPL_IND equals N; or (b) Match during screening: DECISION equals C, RPL_IND equals C.
For asynchronous response from the work queue, the user may set a decision from the work queue. In response, the screening engine may return an asynchronous message to the user containing the data for that single partner. The decision fields are RPL_IND and DECISION. Two different scenarios may include: (a) No match during work queue: DECISION equals N, RPL_IND equals C; or (b) Match during work queue resolution: DECISION equals Y, RPL_IND equals C.
Asynchronous message following an RPL update may include a adding a new entity or amending an existing entity to the database. Here, the application may rescreen those changes against the partners held in the database. If any of the partners provide a match, irrespective of any decisions that have gone before, an asynchronous message may be sent to the use containing the details for that single partner. At that point, the user may provide a decision as to what to do with this result. The user may place the transaction on hold relating to this partner or wait for the decision from the work queue. Various alternatives and embodiments may also be considered.
In addition to the elements such as Name and Address, there may also be certain operators set by the Administrator that control the system's response to the requestor file. These may include the option of storing the partner data in the database (in the case of one-off batch screening), the option to use previous screening results for a partner, and to specify the response message destination if an XML response is required.
In another embodiment of the present invention, XML messages may be sent to the application embedded as the body of an HTTPS request. Here, the format of the XML may be defined to enable the host to process the partner data and return the screening information in an XML message to the user. Input XML messages 610 may contain information specific to each partner data.
In one embodiment of the present invention, a sample XML request format for a single partner may be entered as follows:
ptnr_id = "PTNR1"
ptnr_type = "SHIP_TO_PARTNER"
sub_org = "100"
app_id = "TPRL_100"
name_1 = "NAME"
address_1 = "ADD1"
address_2 = "ADD2"
address_3 = "ADD3"
address_4 = "ADD4"
address_5 = "ADD5"
city = "CITY"
state_name = "STATE"
state_code = "STATE_CODE"
postal_code = "POSTAL"
ctry_name = "CTRY"
ctry_code = "CTRY_CODE"
created_by = "USER"
request_url = "http://myurl"
use_cache_result = "FALSE"
persist = "TRUE"
user_varchar1 = "TRANSACTION_ID"
user_varchar2 = "GEOGRAPHICAL_LOCATION"
user_varchar3 = "TIME_SUBMITTED"
Multiple partner data may also be submitted to the screening engine system 612 in a single XML message by "wrapping" each partner in an XML tag. In another embodiment, a sample XML request format for a multiple partners may be entered as follows:
Output data file format may be defined to enable a user or a user's system to process the results and perform the necessary updates on its own system. Response files may be generated as a work queue decision file 624, inbound response file 626, or a rescreening event file 628. In another embodiment, a sample XML response format for a multiple partners may be entered as follows:
ptnr_id = "PTNR1"
ptnr_type = "SHIP_TO_PARTNER"
sub_org = "100"
app_id = "TPRL_100"
name_1 = "NAME"
address_1 = "ADD1"
address_2 = "ADD2"
address_3 = "ADD3"
address_4 = "ADD4"
address_5 = "ADD5"
city = "CITY"
state_name = "STATE"
state_code = "STATE_CODE"
postal_code = "POSTAL"
ctry_name = "CTRY"
ctry_code = "CTRY_CODE"
decision = "Y"
rpl_ind = "C"
epci_in = "Y"
antiboycott_ind = "Y"
usembaro_ind = "Y"
unembargo_ind = "Y"
euembargo_ind = "Y"
proscribed_ind = "Y"
user_varchar1 = "TRANSACTION_ID"
user_varchar2 = "GEOGRAPHICAL_LOCATION"
user_varchar3 = "TIME_SUBMITTED"
Each of the XML message fields depicted above are analogous to the flat-file fields discussed in Tables 1-3 above. Various alternative coding formats and fields may also be considered.
In another embodiment, there may be several events that cause the screening system to send response data to the user. These data transmission events are analogous to the events discussed above for flat-files.
As described above, and now in further detail, significant features of the present invention may include: (1) advanced screening technology and management control, (2) list consolidation and management, (3) enhanced reporting tools, and (4) resolution services.
The advanced screening technology may comprise an extensive screening protocol that covers information to identify restrictions as published by domestic and international government agencies and organizations. As discussed above, several distinct screening elements may exist. These may include names (people, companies, organizations, etc.), addresses, and countries. In addition, users may manually enter these distinct screening elements into the hosted or operational solution system. Users may also input the information by a batch-loading option as well for increased efficiency. An immediate automated response or may be available for the user, where the user may be made aware of validity of possible matches at several levels (valid match, indeterminate, false positive, or no-match).
Tokenization 716 may comprise indexing the components of partner and stored data by breaking a phrase into one or more words as governed by a set of rules. In one embodiment, there may be a set of different governing rules for tokenizing Names, Addresses, Phone and Fax numbers, Postal Codes, etc. The set of rules for Name and Address may be the most complex as these two phrase types are the most commonly utilized for restricted party matching. In another embodiment, several codes may be computed from each tokenized word. Here, the screening engine may index each code and may reference the set of words that can compute the code in word token comparisons 718. Each word, in turn, may then reference a set of phrases that contain the words in phrase match comparisons 720, and finally, each phrase may reference the restricted part entity in which it occurs 732. Thus, index tuning involves the types of codes the engine computes from each word and the length of these codes. Increasing the different types of codes and/or reducing the length of the codes may raise the possibility that two distinct words share at least one common code. During tokenization 716, the various codes may be computed from each tokenized word and all the codes of each tokenized query word in the appropriate phrase type index may be located, e.g., the codes computed from words in the Name phrase are searched for in the Name index. When two words have at least one code in common, the engine may further analyze the words to determine whether they are sufficiently "close" to consider as a match.
These codes may be computed by a number of various algorithms 724 and may comprise alphabetic n-grams, consonant n-grams, numeric n-grams, soundex, phonex, metaphone, and/or any combination thereof. Additional algorithms for computing codes may also be considered. For n-gram-type algorithms, an n-gram is a code of length n that produces (m−n+1) codes (not necessarily distinct) for a word of length m. For example, the word "dictionary" may yield the following set of 3-grams: dic, ict, cti, tio, ion, ona, nar, ary. In one embodiment, alphabetic n-grams may provide a set of n-grams in a word that remain after all non-alphabetic characters have been removed. For example, the set of n-grams for the words "pier" and "pier99" may be considered the same. In another embodiment, consonant n-grams may provide a set of n-grams in a word after all non-alphabetic characters and vowels have been removed. For example, the word "dictionary" may yield the following set of consonant 3-grams: dct, ctn, tnr, nry. In another embodiment, numeric n-grams may provide a set of n-grams in a word after all non-numeric characters have been removed. This may be useful in indexing Addresses, Phone and Fax numbers, and Postal Codes. In one embodiment, soundex may be used to group together words of same and similar sounds, but with variant spellings. A short soundex code may increase the probability that two words result in the same soundex code. In another embodiment, phonex and metaphone may be used. Like soundex, phonex and metaphone codes may be computed based on phonetic sounds. While these are particularly useful for the English language, other phonetic algorithms may utilized for non-English languages, such as Arabic, Chinese, Spanish, etc. Each of the algorithms 724 used may also be tuned according to the tuning configuration 722.
Once the engine 700 computes the set of potentially matching words for a given query word, word token comparisons 718 may compare each word in the set with the query word to determine the similarity between the two words. The tuning configuration 726 for word token comparisons 718 may enable the determination of how the word similarity is calculated and the level of similarity between words is identified.
In one embodiment, an algorithm, such as edit distance, may be used to calculate word similarity. An edit distance of two words may be computed by summing the number of inserts, deletes, substitutions, and swaps to be performed on one of the two words to yield the other. If the computed edit distance is equal to or below a configured threshold, the two words may be considered a match. The threshold may be tuned according to the tuning configuration 726. In another embodiment, an alternative to edit distance may be used. Here, the algorithm may consider matching two words based on a phonetic approach, for example, by matching their soundex, phonex, or metaphone codes. While tuning may be more difficult to achieve in this example, the length of these codes and how it affects the probability of two words sharing the same code value may be tuned.
There may be a number of various tuning configurations 726 for word token comparisons 718. In one embodiment, a swap may be assigned a lesser "cost" than an insert-delete-substitution. For example, a swap may be assigned a cost of 0.6 and an insert-delete-substitution may be assigned a cost of 1.0. Here, the higher the cost, the more likely the two words being compared may be considered a match. Under this scenario, a word such as "clever" and "clevre" (an insert-delete-substitution) may be considered more similar than "clever" and "clover" (a swap). In another embodiment, words may be considered a match if the edit distance is below a given threshold, based on the assigned cost as described above. This threshold may be configured to be static or dynamic. For a static configuration, a maximum edit distance may be specified between two words and still be considered a match. In a dynamic configuration, the engine may compute the edit distance based on the length of the shorter of the two words. Here, the threshold may be higher for words that are longer.
In yet another embodiment, a prefix-difference penalty may be assessed on a calculated edit distance. For example, the words "river" and "diver" may normally have an edit distance of one. But because of their difference based on the prefixed first letter, a prefix-difference penalty of two may be assessed to yield a final edit distance of three instead of one. Here, the flexibility of configuring penalties may improve the likelihood of securing more accurate word matches. For example, a prefix-difference penalty may not be assessed for words have a phonetically similar sound, such as "phone" and "fone." Here, it may be more reasonable to not assess any prefix-difference penalty since the word prefix are phonetically equal.
In another embodiment, sub-string matching may be provided to match restricted entities contained within longer text strings such as when the first and last names of partners may be conjoined. For example, without sub-string matching, the engine may not be able to flag the entity "SaddamHussein" as a single string because the engine compares the single string "SaddamHussein" to the two words: "Saddam" and "Hussein". The edit distance to attempt and match a 13-letter word to two words—one with six letters and the other with seven—may be too great to result in a match. Thus, by using sub-string matching, the engine may better break down words of more than four letters (a setting that may also be adjusted and tuned) and attempts to locate matches on sub-strings within individual words. Using sub-string setting in the example discussed above, "SaddamHussein" may have a strong match with "Saddam Hussein." While sub-string matching may increase the number of false positives, the average increase is trivial when compared to the screening benefits and advantages.
Phrase match comparisons 720 may also be provided in the screening process. Once the engine compiles the set of words matching in a given query phrase, the system further analyzes every phrase of the same type containing one or more of these words to determine if the two phrases constitutes a match. This may be accomplished by computing the phrase similarity value and determining if this value is greater than or equal to the configured threshold. The tuning configuration 728 for phrase match comparisons 720 may include word match weight, phrase similarity computations, and minimum phrase similarity value. In one embodiment, a word match weight may be assigned to each matching word based on the strength of the match. There may be several match levels: exact match, strong-approximate match, and weak-approximate match. These weighted awards may be configured and tuned for each of these levels. An exact match may have a higher award weight than for a strong-approximate match. Similarly, a strong-approximate match may have a higher award weight than for a weak-approximate match. For example, a weight of 1.0, 0.8, and 0.6 may be given for an exact, strong-approximate, and weak-approximate match, respectively. In another embodiment, phrase similarity computations may be used to calculate the phrase similarity value between two phrases. For example, two phrases may be computed for phrase similarity:
"MangSha Clothing Outlet" and "MingShi Factory". Here, the words "MingShi" and "MangSha" are spelled differently so that a strong-approximate weight may be awarded for this word match. A weight of 0.8 may be configured for this strong-approximate match.
Phrase similarity computations may be comprised of several types. In one embodiment, common-words-to-unique-words computation may be used to calculate phrase similarity. Here, a simple method is used to calculate phrase similarity by taking the sum of the common word eights and dividing by the number of unique words in the two phrases. The phrase similarity value the sample phrases discussed above is 0.8, divided by 4, the number of unique words in the two phrases ("MangSha" and "MingShi" are considered the same word because a strong-approximate match was made). Thus, a phrase similarity value of 0.8/4=0.2 may be achieved.
In another embodiment, a common-words-to-minimum-phrase-length may be used by taking the sum of the common word weights and dividing by the number of words in the small of the two phrases. Here a word difference penalty may also be applied. The penalty may be adjusted by tuning the word-difference-penalty weight. For example, the penalty may be set from 0.0 to 0.4. A higher value may result in a steeper penalty while a value of 0.0 has the effect of no assessed penalty. Assuming Ln represents the number words in the larger phrase, Sn the number of words in the smaller phrase, and P as the word-difference penalty weight, then a possible word-difference-penalty computation, if a value of 0.1 has been configured as the word-different-penalty weight, may appear as:
(Ln/Sn)−1)�P=(( 3/2)−1)�0.1=0.5�0.1=0.5
A weight of 0.2 would yield a penalty of 0.1. Thus, in this embodiment, a phrase similarity value for the sample phrase using the common-words-to-minimum-phrase-length computation may be (0.8/2)−0.05=0.35.
In another embodiment, a common-words-to-query-phrase-length computation may be utilized. Here, the engine may calculate the common-words-to-query-phrase-length by taking the sum of the common word weight and dividing by the number of words in the query phrase. As with the common-words-to-minimum-phrase-length embodiment, the engine may subtract a word difference penalty from the computed phrase similarity value. Thus, a phrase similarity value for the above example using this computation may yield (0.8/3)−0.05=0.2167.
In addition to phrase similarity computations, a match score may also be provided for assessing the relative strength of a match. Here, a minimum phrase similarity value may be calculated. In one embodiment, a lower-bound threshold may be configured such that if the phrase similarity value is greater than or equal to this threshold, the phrase may be considered to match. Furthermore, the overall match score having the highest phrase similarity value may be the value used to compute the phrase match. For example, if a partner is matched, the system may break the partner into its phrases (i.e., Name, Address, etc.) and may attempt to match each of these phrase types against the appropriate indexed phrases. So, a Name of "Sadam Smith" having matches to two Names phrases with a score of 0.73 and 0.65 and an Address "433 North Street" having a match to one phrase with a score of 0.68 may ultimately have an overall match score of 0.73 (the highest) assigned to the partner. Although the match score is not an absolute value or definitive indicator of a potential match, it may be helpful in comparing the strength of different matches to the same screened partner.
Once tokenization 716, word token comparisons 718, and phrase match comparisons 720 have processed the partner data, the data may then be stored in audit trail database 730 and filtered by a filter 732 comprising a list selection 736 and country screening 734. Here, the user may configure and identify the US-specific lists, other lists, destination control Rules, and advanced configuration options that control screening. The list consolidation and management feature comprises consolidating more than forty lists from governments, organizations, and other entities around the world into one central database that may be monitored and updated daily. As a result, the present invention may provide up-to-date, real-time screening. Some possible List Names that display on a configuration page for a user is depicted in
In a hosted solution application, a user with authorization, such as an Administrator, may access the various tuning parameters that control how the engine performs restricted party screening. Tuning the parameters may provide a user a level of flexibility and control to optimize the screening process. In an operational solution, the tuning may be adjusted by the host Administrator to achieve a highly accurate hit rate on restricted entities while minimizing false positives.
As discussed above, several important aspects of tuning the engine to determine the overall hit ratio and false positive rate may include: (1) indexing, (2) word matching, and (3) phrase matching. Various types of dictionaries may also provide additional help in configuring and tuning a screening engine. In addition, there may also be several ways to change tuning parameters. In one embodiment, this may include modifying the configurations files, e.g., DenperConfigUI.cfg or DenperUI.cfg, and through tuning windows. Here, a user may adjust the tuning options by moving sliders for each of the tuning options, selecting check boxes, or by specifying actual values. In another embodiment, a test screening window may also allow a user to adjust tuning parameters by testing screening executions.
Match data 738 of
The advanced reporting feature comprises a central database where all search results may be stored. Such results may include dates and actions taken by the user or host or both. These may comprise match data, decisions made, and decisions made by which user. In addition, all other information discussed above resulting from the screening may also be stored in the database for review or future retrieval. By integrating database functionality, this reporting feature may provide detailed compliance screening reports which may be essential to upholding government audits.
As discussed above, in an operational solution, a resolution services feature may be provided. In one embodiment, a host agent may monitor user work queues, resolve matches through an ISO compliant process to review the potential match, and determine whether a match is a valid match, no match, or an indeterminate potential match that requires further review. A senior analyst or user may provide final verification at this stage. In another embodiment, a host agent professional may assist in conducting additional research to determining whether a suspected match is valid. The compliance decision (valid, match, indeterminate, false positive, or no-match) may be reported to the user by the host, where the user decides on how to proceed. In another embodiment, a host agent specialist may also provide dedicated and personal response services for a user to perform accurate analysis of matches based on case-specific situations.
The advantages of resolution services is that it eliminates the need for a user to have trained in house professionals to resolves matches. This may reduce a significant amount of time and expenses related to screening. In addition, a well-trained team of specialists provides a greater level of reliability and credibility to restricted part screening.
Accordingly, other embodiments of the present invention also be considered. For example, one embodiment may include "white-listing." Here, not only are valid and potential matches stored and reported to a user, non-matches may be stored and reported in an advanced feature within "white-listing" to provide information on partners, entities, and countries that may not be of any potential risk. This may provide a user access to view entities, companies, and countries in good standing.
Another embodiment may also comprise a translation services. This may be particularly useful in the screening engine system and method for screening different non-English languages. Translation services may be integrated into the screening engine system and method to provide searchability for non-Romanized languages, such as Chinese and Arabic. In one embodiment, a third party may provide translations. In another embodiment, translation may be provided automatically by a machine. A translation services may convert input data, stored restricted entities, list data, user databases, audit trails, and country lists. It may also be useful in re-configuring or providing algorithms for parsing, tokenizing, and screening the data in the engine. Various other examples for translations services may also be considered.
Another embodiment of the present invention may also comprise a multi-tiered, hierarchical structure of restricted party screening. This may be useful in a large, global corporation, for example, comprising many sub-divisions. In one embodiment, the results of performing on screening for one sub-division may be used or incorporated by another sub-division within the entire corporation or by the corporation itself. In another embodiment, a user with authorization to make decisions for several sub-division may verify a match for several sub-divisions at the same time, in one decision, or in multiple languages. Adding a hierarchal structure provides saves time and prevents double-screening. Ultimately, it provides greater flexibility, efficiency, consistency, and a more global approach to restricted party screening.
According to an embodiment of the invention, the systems and processes described in the above invention may be implemented on any general or special purpose computational device, either as a standalone application or applications, or even across several general or special purpose computational devices connected over a network and as a group operating in a client-server mode. According to another embodiment of the invention, a computer-usable and writeable medium having a plurality of computer readable program code stored therein may be provided for practicing the process of the present invention. The process and system of the embodiments of the present inventions may be implemented within a variety of operating systems, such as a Windows� operating system, various versions of a Unix-based operating system (e.g., a Hewlett Packard, a Red Hat, or a Linux version of a Unix-based operating system), or various versions of an AS/400-based operating system. For example, the computer-usable and writeable medium may be comprised of a CD ROM, a floppy disk, a hard disk, or any other computer-usable medium. One or more of the components of the system or systems embodying the embodiments of the present inventions may comprise computer readable program code in the form of functional instructions stored in the computer-usable medium such that when the computer-usable medium is installed on the system or systems, those components cause the system to perform the functions described. The computer readable program code for the embodiments of the present inventions may also be bundled with other computer readable program software. Also, only some of the components may be provided in computer-readable code.
Additionally, various entities and combinations of entities may employ a computer to implement the components performing the above-described functions. According to an embodiment of the invention, the computer may be a standard computer comprising an input device, an output device, a processor device, and a data storage device. According to other embodiments of the invention, various components may be computers in different departments within the same corporation or entity. Other computer configurations may also be used. According to another embodiment of the invention, various components may be separate entities such as corporations or limited liability companies. Other embodiments, in compliance with applicable laws and regulations, may also be used.
According to one specific embodiment of the present invention, the system may comprise components of a software system. The system may operate on a network and may be connected to other systems sharing a common database. Other hardware arrangements may also be provided.
The present disclosure is not to be limited in scope by the specific embodiments described herein. Indeed, other various embodiments of, uses of, and modifications to the present disclosure, in addition to those described herein, will be apparent to those of ordinary skill in the art from the foregoing description and accompanying Exhibits. Thus, such other embodiments, uses, and modifications are intended to fall within the scope of the present disclosure. Further, although the present disclosure has been described herein in the context of a particular implementation in a particular environment for a particular purpose, those of ordinary skill in the art will recognize that its usefulness is not limited thereto and that the present disclosure may be beneficially implemented in any number of environments for any number of purposes.
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|U.S. Classification
|International Classification
|Cooperative Classification
|European Classification
|Feb 23, 2009
Owner name: JPMORGAN CHASE BANK, N.A., NEW YORK
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text:
The Argentine forward arrives at the Greek champions on a free transfer after his contract at Malaga expired.
"I would like to thank the supporters who came out to welcome me and have showed me such love in my first moments here in Athens," Saviola told reporters on his unveiling.
More about...
What is your opinion? Feel free to discuss the article under. You have to comment by using your Facebook profile. Be fair and have respect for other people and opinions!
Who of Europe's top strikers will move to England this summer?
After a dreadful start to their Bundesliga campaign, Borussia Dortmund appear to have weathered the storm after going five matches without defeat.

subset: commoncrawl


text:
Researching Attorney Discipline
Ottawa, Kansas Military Lawyers
Diane Lynn Bellquist
Topeka, KS Military Law Attorney.
(785) 234-3272
University of Kansas
Eric L. Mayer
The Mayer Group
Overland Park, KS Military Law Attorney.
(785) 262-9371
University of Kansas School of Law - University of Kansas
John Thurston
Manhattan, KS Military Law Attorney.
(785) 776-2000
South Texas College of Law
Attorney at Law
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text:
Cuisinart SmartPower Deluxe Blender SPB-600MR
The user-friendly Cuisinart SmartPower Deluxe Blender does well at blending, is dishwasher safe, and comes with a handy built-in digital timer. This model finely ground coffee beans, but produced frozen drinks and smoothies with an icy texture in our tests. Keep in mind that the bottom of the blade rusted after a few runs in the dishwasher.
Manufacturer's Warranty: Limited three years
Reviewed: July 2013
Price When Reviewed: $99.95
- Exceptional at grinding coffee beans
- Very good at making smoothies
- Blade assembly is easy
- Easy to place jar on base and is designed for lefties and righties
- Lid is easy to put on and pull off and the cap can be used for measuring
- Controls are easy to use and has manual pulse
- All parts are dishwasher safe
- No staining from tomato sauce
- Relatively quiet
What do you think?
Ecovacs Deebot 83
The Ecovacs picked up debris well on bare floor, but performed poorly on carpet.
Pursonic i7 Pro Multifunction Vacuum
The Pursonic maneuvered well around furniture, but pickup performance on carpet was poor.
Miele Scout RX1 Robot Vacuum Cleaner
The Miele has advanced maneuvering technology and is very easy to use.
P3 International V-Bot Robotic Vacuum Cleaner
Our Budget Buy pick, the P3 is the most basic and least expensive model we tested.
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Mathiston Methodist Church held a reception honoring Barry Whitt and bride-elect Beverly Sanders of Grenada on Sunday, August 24 in the church's fellowship hall.… Read more
Bake Sale Saturday
Tessa Tierney of Mathiston starts her baking project as she helps prepare for the Mathiston United Methodist Church annual Fall Bake Sale and White Elephant Sale on Saturday, Sept. 6, from 8 a.m.-noon at the church fellowship hall.… Read more
Singing, dancing at storytime
By Librarian Frances Smith
Webster County Library
Children were eager to attend storytime at Webster County Library on Aug. 27.
After a time of visiting with friends, Ms. Pat welcomed the children into the meeting room, where they sang, danced … Read more
Dietetic interns serve rotation at NMMC-Eupora
From Press Reports
The Dietetic Internship program, offered in the Food Science, Nutrition and Health Promotion Department at Mississippi State University, is an innovative post-baccalaureate program designed to prepare interns for rewarding careers in traditional and nontraditional roles. Interns complete … Read more
Improving Wolverines move to 2-0 on season with shutout win
By Austin Bishop
The Webster Progress-Times
The Wolverines of East Webster put together a solid game on both sides of the ball last Friday night to improve to 2-0 on the season with a 35-0 win over visiting Noxapater.
"Overall … Read more
Eagles looking for tougher challenge from neighboring Winona
By Austin Bishop
The Webster Progress-Times
While the Eagles of Eupora High School are excited to begin a five-game home stand when Winona comes to town for a 7 p.m. kick-off on Friday, they also know they will be facing … Read more


text:
Hyaluronidase Q&A
Risk + Hyaluronidase
Hyaluronidase Risks
You state that hyaluronidase can more rapidly break down fillers in face. Does it break down natural acids in face, too? Can it cause perminant holes... READ MORE
Horribly Lumpy Lips from Juvederm. Had Hyaluronidase Injection-looks Even Worse. Could They Be Permanently Ruined?
I am 19, had Juvederm twice before in lips with perfect results. Went somewhere new this time had 1.5 syringes. Lips were uneven, lumpy, HORRIBLE.... READ MORE
Can I Have Hyaluronidase to Dissolve Juvederm in Cheeks? Is This Safe?
Hi, I had juvederm voluma in cheeks nearly a year ago and then another small top up 6 months ago, I feel that as the juvederm from before was still in... READ MORE
Hyaluronidase - for Overfilled Restylane?
Had 1cc of Restlane injected into one side of my face 2 months ago and now that side of my face looks very different from the other side. Too full/... READ MORE
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7 months ago I had 1cc of restylane injected into a scar on my cheek by a very well known dermatologist. It created a awful facial asymmetry, a lump... READ MORE
Can Hyalase Injections Dissolve Your Own H.A. if It Come in Contact with It?
Hi Doctor, I had a filler injectioned under the eyes. It left dark lines and bags in the tear trough areas. I had hyalase injections to dissolve it... READ MORE
How Long Should I Wait After Hyaluronidase Injection Before Getting Rhinoplasty?
I got Restylane about 7 months ago. I would like to get rhinoplasty and surgeons have suggested using hyaluronidase to dissolve the filler. However... READ MORE
Does hyaluronidase injected only under the muscle reduce the risk of dissolving one's own hyaluronic acid? (Photo)
I recently got restylane injections to try to correct some bagging I had under my eyes, but I think my injector may have gotten a little overzealous... READ MORE
What if Hyurandase Was Injected in Areas That Did Not Have Filler? Could That Damage Your Skin Permanently?
After a few rounds of hyurandase, I found another doctor to get a second opinion on why my face still looked strange? They mistaked swelling for... READ MORE


text:
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text:
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Rate Dr. Lawrence Halparin
Dr. Lawrence Halparin's Ratings
I suffered one of the most painful procedures colonoscopies thanks to this doctor. Never had I ever experienced any discomfort. I was appalled and reported him to my GP.
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Unfortunately, he is now retired. He was fabulous!
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Dr Halparin was my GI from 1985-2010 when I moved away. I miss him so much! Great knowledge, no rush, explained things to me in terms I could understand. What I appreciate the most is his honesty and not sugar coating his diagnoses. I am reading that he is retiring. Sad news, but after so many years of dedication he deserves to enjoy himself. There will be a lot of patients that will be sad to see him go.
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Dr. L. Halparin is a wonderful doctor, very attentive to me. He is kind caring extremely polite and compassionate. Always truly and honestly involved in the well being of all time. He takes time to listen and explain and always tries to get me actively involved at your own health care. He is a knowledgeable and highly professional doctor. He is fast paced pleasant and always on time, which is contradictory considering that he takes his time in a non rush manner with every single patient.
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Dr Halparin has been my doctor for a very long time (since 1986). He has always been helpful and caring. He calls me back right away when I have a problem and if I don't NEED to go in and see him, he doesn't make it necessary. I will miss him a lot when he retires.
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My experience has always been positive with Dr Halparin. I have been his patient since 1988 and carry a huge confidence in his support and knowledge of my condition. Will certainly miss him when he retires.
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I will miss my doc halperin as Ive been with him for 23years. The absolute best doc with an incredible bedside manner, truly cares about you and gets back to you right away when you need him most. The only doc Ive ever trusted and really dont like the idea that hes retiring. Good humour and really knows his stuff, even though I bug him about being old..LOL he doesn't have to retire and leave all of us just yet. Thank you sooo much doc I will miss you Kim E.
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Dr. Halparin is the most caring doctor ever. I've been seeing him for 10 years. He is efficient, punctual, knowledgable, and most importantly nice. He makes his patients comfortable, is open to discussing different medications. He has been a great comfort to me in dealing with a severe case of ulcerative colitis. I don't want to think of the day he retires!
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Dr Halparin in an excellent doctor. The best I have been to for his specialty. Extremely informative and pleasant.
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I have seen dr Halparin since the early 80's .He is one of the best doctors I have had .I too will miss him when he retires
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NEW YORK, Oct. 21, 2013 /PRNewswire/ -- Biotechnology has been one of the strongest performing industries through the first three quarters of 2013, returning 58.3% versus 18.6% for the S&P 500™ index as of September 30, 2013. On Wednesday, October 23rd at 11am EDT, S&P Capital IQ will host a webinar to discuss the factors that have been driving the biotech bull market and whether it's set to continue its run in the months to come.
This webinar, part of the S&P Capital IQ "ETF Analyst Hour" series, will be titled "Biotech Bull Market: How Long Can It Last?" and will feature Steve Silver, Senior Industry Analyst at S&P Capital IQ, providing an overview of the biotech industry, including the factors that have been contributing to its strong recent performance. Silver will be joined by Todd Rosenbluth, S&P Capital IQ's Director of ETF and Mutual Fund Research, who will share his insights on the pros and cons of biotech-specific ETFs and how much exposure to biotech investors may be able to obtain through more diversified ETFs.
This webinar is the latest in S&P Capital IQ's monthly ETF Analyst Hour series and one hour of CFP continuing education credit is available to attendees. Interested attendees can register here: http://bit.ly/18WZTfc
Anthony Hohmann, ETF product manager, will moderate the discussion and highlight S&P Capital IQ's ETF holdings-based ranking methodology and model performance to date.
Following the presentation, the ETF research reports for the ETFs discussed will be available to all attendees. The ETF reports are initially published on S&P Capital IQ's MarketScope Advisor platform.
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|SOURCE S&P Capital IQ
Copyright©2012 PR Newswire.
All rights reserved


text:
'This is nothing less than a watershed moment for rationalists'
Jon Ronson: It is 15 years ago. I've just met my wife-to-be, Elaine, and we decide to spend a month together on an overland safari coach journey through Zimbabwe.
Weekend comment & features p5
Friday, a good day for arguments
My boyfriend strode into the kitchen, just as I was putting the finishing touches to a delicious breakfast of black coffee, leftover Chinese takeaway and tears. His stride was remarkably manly and the look in his eye betokened uncustomarily firm purpose.
Weekend comment & features p6
By way of the highwayGeorge Saunders: This week I'd like to continue prepping you for your American vacation. One thing you'll definitely admire is our excellent highway system.
Weekend comment & features p10
I learned to walk again
Experience: We were near the summit of Tupendo in the Himalaya when a rock got dislodged. I watched it ricochet off a ledge above before crushing my lower leg halfway between ankle and knee. The impact sheared through both bones and removed a big chunk of my leg.
Features & comment p12
LettersLinda Grant's article (The Real Exodus, June 30) omits crucial information now available in the Central Zionist Archives
Weekend comment & features p14
Over hereIt's July and Britain is filling up with tourists. From the antiques in the British Museum to the candyfloss on Blackpool beach, how does the reality match up the brochure?
Weekend comment & features p20
Looking for trouble
Maggie Gyllenhaal loves a challenge, whether it's playing a submissive secretary or an ex-con trying to get her kid back. She tells Jess Cartner-Morley what draws her to difficult roles.
Weekend comment & features p30
You don't have to be mad...
Linking artistic genius and insanity is a romantic folly - isn't it? Alexander Linklater delves into the sources of creativity in light of a new exhibition.
Weekend comment & features p37
The Measure
What's hot and what's not.
Vintage vibrations
Alexis Petridis: Vintage is one of those trends that doesn't seem to have crossed the gender divide.
Hang loose
Jess Cartner-Morley: The trouble with loose fabric is that it crumples, which is why it is annoyingly difficult to make slouchy clothes work.
Features & comment p51
A clean sweep
Beauty purists, not to mention any self-respecting stripper, will tell you it's not what you put on but how you take it off that matters.
Weekend comment & features p53
Source it
Nikki Duffy: Morello cherries are a tart cooking variety with a beautiful deep-red colour and exceptional flavour.
Features & comment p57
A celebration of food
Matthew Fort at the BBC Good Food Summer Festival in Birmingham.
Weekend comment & features p59
The Hole in the Wall, Little Wilbraham, Cambs
In all my many years of writing about restaurants - and my first piece concerned the opening of the inaugural Lyons Corner House in 1909 - I have never written a review quite like this one. In fact, it isn't entirely a review at all, being as much a preview of what I suspect The Hole In The Wall is like on an average night as a report on a slightly disappointing meal.
Three more country gastropubs
Readers' restaurants.
Weekend comment & features p62
Keep taking the pills
Dr Tom Smith answers your questions on antidepressants and red wine
Features & comment p67
The ex-fireman who's still fighting flames
Lee Galpin took an unconventional route into his career as a firefighter. The only member of his Kent village to have gone on to higher education, he began his professional life in the 1970s as an actor and writer. Getting regular work in his 20s, he might have continued down that path had he not been knocked sideways by a period of depression after writing a historical drama for Radio 4.
Weekend comment & features p69
Reverse psychology
Oliver Burkeman: If you've ever suffered even mildly from insomnia, you'll know that the human brain is a badly made piece of equipment.
Are you happy?
Paul Wilkinson, tailor
Weekend comment & features p70
What women don't understand about men
As any good therapist would advise, Lisa redirected the possible hurt about Handsome Josh into pitiless rage, and was thus single but happy.
Weekend comment & features p73
Foreign students fill our empty nest Ian WorleyIt's nice to have young people around. It keeps you in touch with the world, rather than drifting off into Saga mentality. My wife, Lorraine, is in her mid-50s, I'm 60. When the youngest of our three sons moved out 15 years ago, we were left in our five-bedroom house in Bristol. We thought about moving - I didn't see the point in forking out to heat empty rooms - then we saw an advert in the paper wanting rooms for foreign students. It's not great money, but it's enough to pay the mortgage, so we decided to stay put.
The Green House
Hurrah! We have a new architect. Strangely, the search reminded me of looking at new puppies after our old dog had died: it should have been a pleasurable process, but all I wanted was a replacement, and I didn't have the heart to begin again with toilet training and the rest - in this case, not toilet training but going through the sketches and discussion stage.
Weekend comment & features p83
A jungle tamed
There were broken greenhouses, thick brambles and plants left to run riot ... In the second in our series on summer gardens to visit, Martyn Cox heads to a plot given a new life.
Weekend comment & features p84
Get a cutting edge
Many gardeners, even experienced ones, are intimidated by the idea of taking cuttings. Yet it's such fun, as well as a great way to save money.
Weekend comment & features p87
Let's move to ... Canterbury, Kent
Tom Dyckhoff: I used to live in Canterbury, part of the various tours of small cathedral cities I undertook in my youth (no, my dad wasn't a vicar). It's a decent place.
Weekend comment & features p90
On the road
The challenge with the VW Polo BlueMotion is to make the fuel gauge move. Go on - just see if you can. I battered my way 120 miles up and down the A12. Barely a shiver. I idled for the best part of a morning in backed-up city traffic. Not a twitch. Only about four days into the loan period did the car finally sigh and grudgingly nudge one notch in the direction of the empty symbol.


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"All that recognizing of the killing of Armenians, and of this starvation of people it only minimizes the genocide of the Jewish people. Everything that smells like refusing to take responsibility for the holocaust, smells bad to me." Oh yeah? Need I remind you that the Armenian Genocide took place BEFORE the Holocaust? Maybe once you've had your great grandparents slaughtered one by one you'll get a moral compass. Or, is it that they were, and all you want is exclusivity? You sick individual. You should rot in hell.
Firebomb thrown during demonstration in northern Israeli town of Umm al Fahm (Haaretz)
from the article: Ukraine to ask Israel: Recognize 1930s famine as state genocide


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Location! Location! Location! Park Hill Beauty Priced Below The Competition. Minutes To Golf Course, Parks, Zoo, Museums And Downtown. Large Master Bedroom With Full Bathroom And Back Deck. Vaulted Ceilings In Living Room, Spacious Kitchen With Granite And Finished Basement. 3rd Bedroom In Basement Is Non-Conforming. This Is A Hud Home Sold As-Is #052-524521 With All Bidders Daily Bid Deadline Of 11:59:59pm Cst. Fha 203k Elgible. This Home Will Sell. Don't Wait!!!
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Graduate Admissions
Applying to the Master's Program for Speech-Language Pathology
Application Deadline
- The application deadline for the MA-SLP program is January 15.
- All application materials should be submitted by this date.
- Incomplete applications will not be reviewed
- You are responsible for checking the status of your application materials in advance of the January 15 deadline to be sure your application is complete.
- For additional information about admission-related dates, click here.
Completing the Application for Admission
Application to the University of Florida's Master's program for speech-language pathology is a two-step process:
Step 1: Complete our program's CSDCAS application
- CSDCAS stands for Communication Sciences and Disorders Centralized Application Service.
- To access our program's CSDCAS application, click on this link: https://csdcas.liaisoncas.com/applicant-ux/#/login
- After you access the CSDCAS application system, carefully read the information on our program's CSDCAS homepage.
- Use the CSDCAS application to:
- enter your personal and academic information, including official academic transcript(s)
- respond to program-specific questions,
- enter information about your prerequisite courses
- submit your recommendation letters (3 recommendation letters are required)
- upload required program documents:
- Your personal statement (400 to 500 words)
- Your resume (1- to 2-pages)
Step 2: Complete most portions of the University of Florida's graduate school application.
You must complete all sections of the UF graduate school application, EXCEPT FOR the following:
- Letters of recommendation (You will submit three letters of recommendation through CSDCAS)
- Statement of purpose/personal statement (You will submit this document through CSDCAS.)
- Resume (You will submit this document through CSDCAS.)
Important notes about UF's graduate application:
- Fee: You must pay the $30.00 fee for the UF graduate application. This fee is separate from fees in the CSDCAS application.
- GRE scores: You must send your official GRE score report to the University of Florida.
- University of Florida institutional code: 5812
- Program code for speech-language pathology: 0620
- Note: You do not need to send your official GRE score report to the CSDCAS application; however, we do ask you to self-report your GRE scores on CSDCAS.
- Application details: When completing the "Academic Program Information" section of UF's application, be sure to enter the correct information for:
- Degree Goal: Master's
- Term of enrollment: Fall 2016
- Program of study: Communication Sciences and Disorders
- Statement of Purpose: For the statement of purpose section of UF's graduate application:
- Enter only the following text in the response field: "Applying to UF's master's program for speech-language pathology."
- Then, click the "save" button to advance to the next section of the application.
- Academic Transcripts: If you are offered admission to the University of Florida, you must submit official copies of all of your academic transcripts directly to the University. UF will not accept academic transcripts through CSDCAS. To prevent delays in processing admission decisions, it is recommended that you submit these academic transcripts at the time of application, particularly if you are an international student.
- Send all official academic transcripts to the following address:
Office of Admissions
University of Florida
201 Criser Hall
PO Box 114000
Gainesville, FL 32611-4000
Important: If you earned a Bachelor's degree in something other than communication sciences and disorders, you should provide both (a) the transcripts that pertain to your Bachelor's degree, and (b) the transcripts that pertain to any post-Baccalaureate coursework you have taken in Communication Sciences and Disorders.
- International applicants should carefully review webpages at the UF Graduate School for additional information and requirements pertaining to admissions procedures, documentation of English language proficiency, visa processing, and other matters.
- Questions: If you have questions about the graduate application process, please contact our admissions team: email@example.com.
Before you apply
Our Graduate Admissions Committee will review applications from individuals who either:
- Have earned or are on track to earn a Bachelor's degree in communication sciences and disorders prior to matriculation in the MA-SLP program OR…
- Have completed a Bachelor's degree in something other than communication sciences and disorders and have completed or are on track to complete a post-Baccalaureate program in communication sciences and disorders prior to matriculation in the MA-SLP program.
For information about how to complete post-Baccalaureate courses in communication sciences and disorders at the University of Florida, click here.
If you took your post-Baccalaureate courses at a university other than the University of Florida, your program of study needs to be similar in scope and content to the core courses in the Bachelor of Health Science – Communication Sciences and Disorders major at the University of Florida. Our core courses are listed below. Descriptions of these 3-credit courses are available in the UF Undergraduate Catalog.
- LIN 2210 Clinical Linguistics and Phonetics (recently renumbered to SPA 3003)
- SPA 3011 Speech Acoustics
- SPA 3101 Speech Anatomy and Physiology
- SPA 3032 Fundamentals of Hearing
- SPA 4004 Language Development
- SPA 4104 Neural Bases of Communication
- SPA 4250 Intro to Speech Disorders
- SPA 4302 Audiometry and Hearing Disorders
- SPA 4321 Audiologic Rehabilitation
- SPA 4400 Intro to Language Disorders
Your post-Baccalaureate courses do not need to be completed at a single university. For example, it is acceptable to take some courses at UF and other courses at another university. In such cases, however, your application must include academic transcriptions from each of the universities in which you enrolled in the post-Baccalaureate courses.
Additional information and resources:
- Links to other useful UF webpages for graduate applicants
- Frequently Asked Questions about the Graduate Admissions process.
If you have questions about the graduate application process, please contact our admissions team: email@example.com.


text:
Big Oak is a family owned heating oil company delivering high quality #2 heating oil to all of Lower Bucks County at a discounted price. We are here to serve our communities with the warmth and peace of mind they need. We value the relationships we have with people in the community, working side by side with customers as our neighbors and friends. This personal touch has allowed us to gain the loyalty of many long-standing customers.
Our trucks are calibrated by the state to ensure our customers get what they pay for. Our prices are consistently the lowest in Bucks County. You can feel comfort knowing that through the harsh winter months you will always have someone to answer your telephone calls 24 hours a day, 7 days a week. Our heating oil deliveries are prompt even through the worst weather conditions and our friendly staff makes every customer's need their priority. We also bring the heat year round.
We Are Expanding Our Delivery Area.
Buckingham 18912 Carversville 18913 Doylestown 18901
Furlong 18925 Holicong 18928 Lumberville 18933
Mechanicsville 18934 New Hope 18938 Penns Park 18943
Pineville 18946 Rushland 18956 Solebury 18963
Warminster 18974 Warrington 18976 Willow Grove 19090
Wrightstown 18974 Wycombe 18980


text:
micoach is all you need to get the results you want.
(10 Products)
Your SelectionClear All
These shoes are so comfortable. I usually wear a 7 or 7 ½ and the 7 fit perfectly. Super clean but retro, love them. Tried the black and white version in store and just ordered the white and dark red on sale online. ... read more
These hi tops look amazing and have had comments about them saying so. They are a bit big which means my little toe rubs when walking due to sliding forward because of the wedge. Not tried them without the wedge, that may be better but I'd need to buy some insoles first. ... read more
Really good looking shoes and very comfy.i bought size 7.5 even i wear 7 but it was only one left,but they fit exactly right,7 would be to small so i recommend go half of your usual size up.but really worth the price specially when i bought them on sale. ... read more
They are nice and comfy. The only thig I would recommend is for you guys to put an extra pair of flat insoles in the box. Some won't like the wedge and wearing them without an insole feels a bit weird. ... read more
I read all the reviews on these before purchasing and decided to buy them half a size smaller - sadly I shall be returning as they are still too large. I also found them quite uncomfortable for trainers but maybe because they were too large. ... read more
I love these trainers. Great fit and very comfortable. I have been looking for something like this for ages. I'm not a fan of the wedge inside and the good thing about these trainers is that you can lift it out to have flat trainers ... read more
I got these sneakers in black yellow and pink and i usually wear a size 9.5 and they were definitely to big for me, so i would say order is half size smaller. sadly they are sold out on that color so i cant tell how they walk gonna have to return them . But they look awesome ! ... read more
I was on the hunt for a high top sneaker that was simple yet retro. This is exactly what I wanted! Not only are they some of the most comfortable shoes that I have ever owned, but I honestly receive compliments everytime that I wear them. True to size, look sharp...they are great. ... read more
I love these shoes! I was looking for black high tops for a very long time. Finally! I was weary about ordering shoes online (without being able to try them) but I tried the closest Adidas shoe style i could find at the mall and it ended up working out! My fiance even loved them so much he wants some like mine =) huahua ... read more
Get a half size smaller. I'm a 6, tried this in the black and white versions. Both were definitely about an inch too long of empty space lengthwise for toes. I tried the 5.5 and it was perfect. I'm not crazy about the gloss pieces on the white version, it's okay on the black. Love the big logo on the tongue. This is a cool hi-top, exactly what I was looking (just really wish they didn't use the gloss.) My right foot is a hair bigger than my left foot and often I've felt shoes were tight on me or just right. This one, definitely go HALF a size down. You can see they look too big if you get your normal size. The width is perfect. I once tried a Stella McCartney slipper, size 6 and that was literally one size too big. Love these, you should try them on first if you're at a store. ... read more


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New 'ONE PIECE' film to be released in 2016
The 13th 'ONE PIECE FILM' will be released in summer of 2016. This was announced at the end of Fuji TV's special anime 'ONE PIECE Episode of Sabo ~3 Jyoudai no Kizuna Kiseki no Saikai to Uketsugareru Ishi~' which aired on August 22nd. The last film in the installment, 'ONE PIECE FILM Z', was released back in December of 2012. It reached a box office revenue total of over 6.8 billion yen. 'ONE PIECE' is a comic written by Oda Eiichiro which
GENERATIONS from EXILE TRIBE's new rock number to be used in 'ONE PIECE'
GENERATIONS from EXILE TRIBE's new song "Hard Knock Days" has been picked up as the theme song for Fuji TV's anime 'ONE PIECE'. On the powerful rock number, member Kazuhara Ryuto commented, "We've never attempted such a strong rock sound before, so in a good way, I believe it has turned out to be a song that's different and unlike GENERATIONS." Komori Hayato, who claims to be a fan of 'ONE PIECE' since elementary school, stated, "Just as how ON
'ONE PIECE' to be performed as a Kabuki play
Oda Eiichiro's 'ONE PIECE' will be performed as a Kabuki play at Shinbashi Enbujō next October and November. The lead will be played by Ichikawa Ennosuke IV.This was announced during ONE PIECE's stage event at 'Jump Festa 2015'. The play will be presented as a 'Super Kabuki II', a type of Kabuki that incorporates various modern theater technology. More details will be announced via Gekkan Shounen Jump and ONE PIECE's portal site 'ONE PIECE.com'.
AAA named PR ambassador for the anime 'One Piece'
Shinzato Kota to release his debut single "HANDS UP!"
Up-and-coming singer Shinzato Kota (17), who was one of the finalists for "The 24th JUNON Superboy Contest" in 2011, will be releasing his debut single "HANDS UP!" on July 31."HANDS UP!" is the current opening theme song for popular TV anime "ONE PIECE", and when it was first aired back in April, "ONE PIECE" fans gave it a good reputation with comments like, "The world view of the anime and the lyrics match well," and "I like this the best out of
Shinzato Kota to sing the new theme song for 'ONE PIECE' + "HANDS UP" audio
It's been revealed that rookie singer Shinzato Kota will be singing the new theme song for Fuji TV's anime, 'ONE PIECE'. The song is titled "HANDS UP!", and its described as a tune with a sense of speed that boosts a new adventure. It will be released in Chaku-Uta form on May 29th. Take a listen to it below!
Japan Box Office Report & Trailer Park – February 9th/10th
[caption id="attachment_289264" align="aligncenter" width="600" caption="(02) 'Nou Otoko' / (01) 'Ted' / (03) 'Strawberry Night'"][/caption] 'Ted' still lures the Japanese into the movie theaters and managed to establish itself at the top of the weekend box office chart. It was the second extended weekend of the year and 'Ted' was even given a boost in exposure with an additional 100 screens due to its popularity. Se
Toriko, One Piece, and Dragon Ball Z to collaborate for one-hour special
On February 5, it was announced that in April, Fuji TV's ongoing anime "Toriko" will collaborate with the animes "One Piece" and "Dragon Ball Z" for a special one-hour program titled "Dream 9 Toriko & One Piece & Dragon Ball Z Chou Collab Special" to commemorate the Toriko's third year. The special will air on April 7 at 9 AM. Last April, "Toriko" and "One Piece" collaborated to create a special and received a favorable response. T
Japan Box Office Report & Trailer Park – February 2nd/3rd
[caption id="attachment_288455" align="aligncenter" width="600" caption="(02) 'Jack Reacher' / (01) 'Ted' / (03) 'Strawberry Night'"][/caption] 'Ted' reclaimed the first place at the box office with another great result for the weekend. American thriller 'Jack Reacher' ('Outlaw' in Japan) attracted a lot of people on its opening weekend, especially men in their thirties and above, and earned itself a solid second pla
Japan Box Office Report & Trailer Park – December 26th/27th
[caption id="attachment_287556" align="aligncenter" width="600" caption="(02) 'Ted' / (01) 'Strawberry Night' / (03) 'Life of Pi'"][/caption] In a tough battle for the top spot on the box office chart, the new Japanese mystery thriller 'Strawberry Night' - starring Takeuchi Yuko - emerged victorious over American comedy 'Ted', which did extremely well even on its second weekend. In third place opened the visually stu


text: [ Lil Wayne Music Videos By BoomBox Staff October 14, 2009 Lil Wayne released his debut solo album in 1999 and shot to fame soon after. Lil Wayne reached higher popularity with 2004's 'Tha Carter,' 2005's 'Tha Carter II' and 2008's 'Tha Carter III,' all featuring singles for which successful music videos were released... Read More Category: Hip-Hop Videos Tags: Lil Wayne, static, T-Pain Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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E.L.F. Studio Flawless Concealer Brush
81 reviews
93% would repurchase
Package Quality: 4.4
Price: $$
Package Quality: 4.4
Price: $$
on 10/1/2015 10:01:00 AM
Age: 44-55
Skin: Sensitive, Fair, Cool
Hair: Black, Wavy, Fine
Eyes: Black
This brush does the job of blending the undereye concealer flawlessly, so does the name imply. It shed a little for the 1st 2 washes but overall a great purchase. I may want to buy a few more.
on 9/1/2015 11:11:00 AM
Age: 30-35
Skin: Acne-prone, Other, Warm
Hair: Black, Straight, Medium
Eyes: Brown
This is such an awesome brush! It's only $3 at CVS and it's incredibly versatile. You can basically use it for blending anything; concealor under the eyes, conturing, foundation etc (i use liquid so I can't say whether it's just as great for powder but I suspect it is). No matter what I'm doing with it I always use it in a stippling fashion because I like the airbrush look i can get with it.
I almost always wash any makeup brushes that i've used with hot water and antibacterial soap at the end of the day and this one has held up really well in the months that I've had it (which is to say i've noticed no difference in its performance). I keep planning to go to CVS to buy another one so I don't end up mixing tones one of these days but so just the one is alls I've really needed.
on 8/16/2015
Age: 19-24
Skin: Combination, Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Brown
I love this brush! But I don't use it for concealer, I actually like to use it to contour! It's perfect to fit in the hollows of your cheeks. I used to use if for setting my under eye concealer, but find it better for powder contouring!
on 7/31/2015 9:17:00 PM
Age: 19-24
Skin: Combination, Medium, Not Sure
Hair: Black, Other, Other
Eyes: Brown
I LOVE ALL ELF MAKEUP BRUSHES!!! Especially this one :) for $3 you really can't beat the price and overall quality. Super soft, no shedding, and so fluffy. Perfect for blending my liquid concealer for undereyes and/or applying powder to set afterwards. Get it you really won't regret it. This performs just as well, if not better, than sephora pro airbrush concealer.
on 7/28/2015 6:04:00 PM
Age: 18 & Under
Skin: Dry, Fair, Cool
Hair: Blond, Wavy, Medium
Eyes: Blue
This is a really nice, fluffy brush from ELF. Super affordable and soft, it doesn't shed and it blends my concealer really nicely. I would definitely rebuy this, especially for $3!
on 7/21/2015 1:19:00 PM
Age: 18 & Under
Skin: Combination, Fair-Medium, Neutral
Hair: Brunette, Wavy, Medium
Eyes: Hazel
One day I was in Target when I remembered I needed a concealer brush. Wanting to save money, and remembering some loud cheers from ELF fans via the internet, I picked up the "Flawless Concealer Brush" because of the price. Of course I should have remembered the whole "you get what you pay for" saying, but I didn't. This brush sheds like crazy! You can't even touch it to your face without dropping bristles everywhere. Since it's so cheap I guess I didn't really loose much, but it's useless in my opinion. If your looking for QUALITY affordable brushes, I suggest Real Techniques.
on 7/14/2015 5:13:00 AM
Age: 44-55
Skin: Normal, Fair, Not Sure
Hair: Red, Other, Other
Eyes: Green
This is fast becoming my favourite brush, I use it to apply and buff out concealer whereever I need it but esp under my eyes. I'm in my 40s so I want a brush that's soft but does the job without moving my skin around and this little brush delivers, it really buffs out cocealer flawlessly. I also love it for Highlighting powder, I'm definitely going to need another one.
on 7/8/2015 10:49:00 AM
Age: 44-55
Skin: Combination, Fair-Medium, Cool
Hair: Brunette, Wavy, Medium
Eyes: Green
When I first got this brush the handle broke away from the ferrule. I thought to myself, "Oh great another cheap brush!" My husband laughed and glued it back into place for me. Now I cannot live without this handy little brush. I love it! I use it for blending in my concealer under my eyes and anywhere else on my face. I also use it for blending in shadow above the crease too. It is an excellent buy for three dollars. I find it to be soft and not scratchy as well. I have had thirty dollar brushes that were harsher in texture. Elf exceeded my expectations to be sure. I highly recommend!
on 7/7/2015 12:50:00 AM
Age: 36-43
Skin: Normal, Fair, Cool
Hair: Brown, Wavy, Fine
Eyes: Blue
There's a reason why this seemingly nondescript little brush has an average 4.8 rating and 94% would repurchase!
I was skeptical that a $3 brush could be so great, but it vastly exceeded expectations. Previously, I was using my fingers to blend my under-eye concealer. Not anymore!
This does a much better job. I have deep set eyes with dark circles and usually need to layer on different concealers to achieve reasonable coverage. This brush leaves product where it should � on my face � while doing a bang-up job of blending it out in short order. It's basically foolproof in terms of ease of use.
Truly useful little tool; tremendous value. Would heartily recommend to anyone who uses concealer. At $3 a pop, it's a no-brainer. I'll be picking up at least one more, so I have one for wet products and another for powder-based ones. I'm fancy that way.
on 7/3/2015 5:51:00 PM
Age: 44-55
Skin: Very Dry, Fair, Not Sure
Hair: Blond, Other, Other
Eyes: Brown
Hands down, the absolute best brush for blending out concealer. I was shocked at how good this is. I have the MAC 286, which I like very much, and still use, however, this is faster, two or three pats and swishes, and it's blended. The brush doesn't pick up the product I just put on, and blends it so beautifully, I don't need any powder. It's fantastic. Best $3 I've ever spent. In fairness, I've not tried the Real Technique brush that so many are crazy about, but after using this, it doesn't matter how good it is, this is awesome. I don't like this for blending out shadow, I find it too clumsy for that purpose, plus, I have plenty of blending brushes that I think work better - but for concealer, this is incredible.
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So sorry, but only 4 items are allowed for comparison. I blame the gnomes and so should you.
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You probably would've looked amazing with it too.
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The Sea to Summit Delta Spork. The Delta Spoon and Spork have been designed with ease of use and practicality in mind. The integrated spreader knife has a strong cutting edge thanks to our bombproof nylon 66. The spoon profile has been shaped to be comfortable in the mouth and also as the perfect companion to the high sided Delta Bowl and Delta Plate. Together they are the most versatile eating utensils set on the market.
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|Material Details:
|Food grade Nylon 66
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Free appraisal included with purchase.
A hidden clasp has decorative elements on the clasp itself, so that when the bracelet is closed the clasp is not visible. The hidden clasp is so integrated into the design of the bracelet, to find the clasp, you may have to turn the bracelet several times. It's just another opportunity to appreciate the beauty of this bracelet.
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Comments about Vintage Art Deco Diamond Bracelet - in 18kt White Gold (6.50 CTW):
Earliest delivery when ordered by


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USU Student Association
Disability Rights Week
This year marks the 25th anniversary of the passage of…
Little Naturalist: Story Time at Swaner
Little Naturalist is the perfect program for 3 to 5 year…
Testing Like a Pro
It is possible to do better on tests just by the way the…
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Sept. 12 – Dec. 11, 2015 Sept. 12 - Dec. 12 The…
Hello Walk
The Hello Walk is the stretch of sidewalk from Old Main to the Business Building. On designated days, students are encouraged to say "hello" to one-another, and volunteers station themselves along the walk to greet people. The intent is to promote interaction and friendship among students as the student population increases.