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Last week, the CFPB issued its first Annual Freedom of Information Act (FOIA) Report, which was accompanied by the report of its Chief FOIA Officer. The Chief FOIA Officer's report contains narrative answers to a series of questions and the FOIA report contains statistical information about the FOIA requests received by the CFPB. The statistical information includes the number of FOIA requests received, the disposition of requests, the number of appeals, the disposition of appeals (including reasons for denial), response times for requests and appeals, and employee numbers and costs.
The reports indicate an average response time for all "processed perfected requests" of 8.36 days and virtually no backlog. (A "processed perfected request" is defined in the report as one "which reasonably describes [the records requested] and is made in accordance with published rules stating the time, place, fees (if any) and procedures to be followed" and "for which an agency has taken final action in all respects.") The Chief FOIA Officer states in his introductory message that he "take[s] pride in emphasizing our quick response time to requests."
In his message, the Chief FOIA Officer also recites the CFPB's mantra that "[t]ransparency has been at the core of the CFPB since the very beginning of the agency." However, despite the CFPB's seeming commendable response time for FOIA requests, based on our own experience, it is not clear that CFPB's responses to FOIA requests are fully consistent with its stated commitment to transparency. Rather than fully respond to our FOIA request, the CFPB ignored most of the request and (nearly a year later) only provided a small fraction of the records we should have received (and charged us almost $1,000 for that tiny amount).
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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Ballard Spahr LLP
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Pediatric Elbow Brace
This youth elbow sleeve is a high-quality product for easing elbow pain stemming from a number of elbow injuries in kids, including (but not limited to):
- Lateral epicondylitis (acute or chronic), AKA tennis elbow
- Medial epicondylitis (acute or chronic), AKA golfer's elbow
- Elbow tendonitis
- Tendomyopathy (fibromyalgia)
- Elbow strain
- Post-operative elbow tissue irritation
- General elbow pain
This youth elbow brace features two silicone pads that apply intermittent massage to the soft tissues of the elbow. This eases pain and the traction where the tendon connects to the bones/muscles. This intermittent massage also accelerates healing.
The degree of pressure each of the pads applies can be individually adjusted thanks to the Stabilo strap that is another component of this kid's elbow brace. See more padded elbow braces.
The elbow brace for kids is form knitted, with a reduced pressure area at the bony point of the elbow. The kids' elbow sleeve and pressure pad help support the ligaments, tendons, cartilage, etc. in the elbow area, easing pressure on the joint.
The special Coolmax material of this child elbow brace is moisture-wicking for a drier, more comfortable fit. This material is also breathable, soft and lightweight. All of this makes for a more comfortable recovery from a kids' elbow injury.
This brace for an elbow fracture in kids and more comes in child-friendly black and green colors. See more pediatric braces.
Youth Padded Arm Sleeve for Child Elbow Injury
Kids' elbow pain and injury are relatively common, especially among children who are very active. This is especially true among those in organized sports involving overhead activity like baseball, softball, football, tennis or golf.
A fall onto an outstretched arm, a forceful overhead throw or impact to the elbow can break, strain, dislocate or otherwise damage the tissues of the elbow, causing an acute injury.
Or a child might develop elbow pain by performing repetitive motions over time. Such overuse injuries often lead to chronic elbow pain. For instance, many kids develop "little league elbow" (medial epicondyle), which is characterized by painful inflammation in the vicinity of the growth plate at the inner part of the elbow, from frequent throwing of a baseball.
Whether one is dealing with an acute or chronic elbow injury, this pediatric sleeve for the elbow can help reduce painful inflammation and speed healing. The compression and targeted massage this pediatric brace for the elbow applies improves blood flow, which helps reduce inflammation more quickly and promotes healing. This can also help ease stiffness.
The anatomical knit of the material also provides lightweight support. And the pressure-reduced elbow area is ideal for this sensitive area of the body.
The material of which the elbow compression sleeve is composed is cool and lightweight, making it an ideal kids' athletic elbow brace.
Bort Youth Elbow Brace Features
This unique, comfortable brace has a number of features that make it effective for treating children's elbow pain. Following is a breakdown of its selling points:
- Coolmax material wicks moisture away, keeping skin dry
- Knitted, moisture-transfer material helps regulate temperature
- Elbow sleeve with pads allow full joint movement
- Breathable and lightweight child-size elbow brace
- Elbow compression sleeve is soft against the skin
- Cool, flexible fit makes this an ideal elbow brace for sports
- Padded elbow brace comes in child-friendly black and green colors
- Brace for pediatric elbow pain is composed of anatomically knitted material
- Child's elbow sleeve has a pressure-reduced area at the bony point of the elbow.
- Two silicone elbow pads apply intermittent massage to the elbow
- Stabilo strap allows individual adjustment of how much pressure each pad applies
- Targeted compression eases inflammation, tendon traction and pain
- Compression can also speed healing of pediatric elbow injuries
- Treats: Tendonitis, elbow strain, general elbow pain, medial epicondylitis, lateral epicondylitis, tendomyopathy and more
- Also compatible as a brace after some elbow surgeries
- Length: 7.9 inches
- Child-size elbow splint fits forearm circumferences (measured 2 inches below the elbow joint) of 7.5 inches to 8.75 inches
- For larger sizes, check out Bort's adult elbow support brace
Sizing Chart
Measure the circumference around your arm, 2 inches below elbow joint. This child size elbow brace fits a 7.5" to 8.75" circumference.

subset: commoncrawl


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Some cricket at last. Six hours of it, all in a row. Most pleasant it was, too, as the sun shone over Buffalo Park, an infrequent, almost unknown sight anywhere England have been lately.
Whether it said anything about the first Test or what the composition of the tourists' team might be, or who might play a major role in it is extremely doubtful. England batted in the morning, agreeably and efficiently on a slow pitch before declaring at 329 for 8, and bowled in the afternoon in a similar style, reducing the South Africa Invitation XI to 167 for 7.
Graeme Swann was prominent in both departments, striking a carefree 39 from 31 balls before taking 6 for 55 from 16 overs. He achieved some bounce and turn, albeit hardly venomous in either category. He took his first wicket with his second ball and his last three came in four balls. The batsmen of the South Africa Invitation XI did not deal with him adequately, but then they were being subjected to gentle barbs by England.
As Swann prepared for his hat-trick ball – having had the grandly named Sammy-Joe Avontuur stumped for a determined 61 and David Wiese caught at slip – the England wicketkeeper, Matt Prior, reminded the incoming batsman, Mangaliso Mosehle of an old truth. "Remember you should never cut an off-spinner or pat a burning dog," he said.
Mosehle was virtually doubled up with mirth as the ball narrowly sailed over the top of the stumps and was still laughing when he essayed an extravagant drive at the next ball which turned and bowled him through a vast gate.
Swann, however, pronounced himself gutted. He has never taken a hat-trick in any form of cricket at any level and knew a better opportunity will never present itself.
England will have been heartened to see him in such good order without running away with the notion that he is their ace in the pack for taking 20 South African wickets.
If South Africa is not quite a spinners' graveyard it is not fertile territory for them in Tests either. In 88 Test matches since their readmission, spinners have nine times taken five wickets or more in an innings. Compare that to the 30 occasions it has happened in 110 matches in England during the same period.
After so much inaction this was more a blowing off the cobwebs day than a dress rehearsal for the way in which England might approach the serious stuff in Centurion next week. It is a truism that professional cricketers love rain because it affords them the chance to have some illicit time off work.
But they have had too much of a good thing lately. The sights of East London – which more or less amount to the stuffed coelacanth fish in the museum and the casino in the new shopping mall, not both of which have been visited by the players – have begun to pall. The day job had begun to look most appealing again.
It was astonishing that play on the second and final day of their penultimate warm-up match before the first Test begins on 16 December, started on time. Only 12 hours before, the ground had been under water and while strictly speaking it was probably not fit it is remarkable what can be achieved when needs must. Never can a ground have been covered in so much sawdust to absorb the dampness, enough, it seemed, to require the devastation of a couple of Amazonian rain forests.
In its way, this was an important day for the tourists in their attempt to find the rhythm of long form, white-garbed, red ball cricket again. The overnight fourth-wicket partnership between Alastair Cook and Paul Collingwood was soon broken and Ian Bell and Matt Prior then did much as they liked, bedding down and enjoying what amounted to a net practice in the middle. They were both retired out, Bell on 48, which is the type of score for which too often lately he has been dismissed, so perhaps the management were doing him a favour.
It remains difficult to see him being in the Test side if England decide on five batsmen, as seems likely, with Prior at number six and looking every inch like a number six. After their time was up, Swann had a high old time.
Of England's seam bowlers, Mark Davies of Durham, who in the squad as temporary cover, bowled splendidly. He was right on the button, though he might be a shade slow for the highest level. Broad needs more bowling.
Jimmy Anderson and Ryan Sidebottom will both play in the two-day match starting today, anxious to show that knee and side injuries have cleared up. If Anderson is unable to bowl at full tilt, England may have to revise their plans.
Buffalo Park: Scoreboard
Tour Match Second day of two
England won toss
England First Innings
Overnight: 142-3.
A N Cook c Bossenger b Pietersen 81
P D Collingwood c van Wyk b Ntshona 33
I R Bell retd out 48
†M J Prior retd out 44
S C J Broad b Weise 15
G P Swann not out 39
G Onions not out 13
Extras (lb1 w1 nb17) 19
Total (8 wkts dec, 78 overs) 329
Fall: 1-4, 2-22, 3-91, 4-148, 5-176, 6-259, 7-259, 8-288.
Did not bat: M Davies.
Bowling: Pietersen 18-2-71-3; Ntshona 11-0-46-1; Weise 18-2-89-2; Adams 15-3-51-0; Van Neikerk 12-0-53-0; Bossenger 4-0-18-0.
South African XI First innings
D van Wyk lbw b Swann 27
A P Agathagelou lbw b Onions 5
S E Avontuur st Prior b Swann 68
T Bavuma c Cook b Swann 6
R M van Neikerk c & b Swann 8
*W Bossenger not out 35
D Weise c Collingwood b Swann 0
†M Mosehle b Swann 0
C Pietersen not out 16
Extras (lb2) 2
Total (7 wkts, 47 overs) 167
Fall: 1-15, 2-57, 3-81, 4-100, 5-145, 6-145, 7-145.
Did not bat: R A Adams, Ntshona.
Bowling: Onions 10-2-31-1; Broad 11-2-55-0; Davies 10-4-24-0; Swann 16-2-55-6.
Umpires: S George and B G Jerling.
- More about:
- Cricket
- Ian Bell
- Rainforest
- Shane Warne


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jimoo742 wrote:I'm not sure why this is missed, but Farrakhan is not a Muslim. The Nation of Islam is not Muslim.
Nonsense. In any case, though, Farrakhan is hardly relevant to this thread (to the extent that anything is relevant to this thread).
jimoo742 wrote:I'm not sure why this is missed, but Farrakhan is not a Muslim. The Nation of Islam is not Muslim.
Meade wrote:Farrakhan recently "helped" Rahm Emanuel. And Ted Nugent recently "helped" Tommy Thompson. Inasmuch as the theme of this thread is government as bully, i.e., fascist, and Rahm Emanuel, as mayor of Chicago, recently acted as a bully, Farrakhan - a known Jew hater and gay hater - gets drawn in.
Looks like the ball is squarely back in [Larry's] court.
Detritus wrote:So let's see if I understand what you're saying. Ted Nugent appearing at a political rally to support Tommy Thompson is the same as Louis Farrakhan providing members of the Fruit of Islam to patrol an area of Chicago that has had a 40% rise in murders in the last year. Therefore, Farrakhan is a leftist.
Or maybe your point is this: In the case of Chik-Fil-A, Emmanuel is putting politics (social justice for gay people) over practicality (profits for Chik-Fil-A), which is bad, but in the case of Farrakhan, Emmanual is putting practicality (safety for Chicago citizens) over politics (Farrakhan's history of anti-semitism), which is bad.
Or maybe your point is that Rahm Emmanuel is a hypocrite, in which case I seem to remember you never answering why you condemned pro-Recall leaflets in Madison containing voting information on individuals, but you didn't say anything about anti-Recall leaflets in Janesville that included salary information and the recall petition signature information on individuals.
or to the extent that this thread is relevant to anything except as an example of reverse psychology: Chick-Fill-A's owner's fascist statements provoked a reaction, so they attack the reaction rather than look at the reason for it.Detritus wrote:... Farrakhan is hardly relevant to this thread (to the extent that anything is relevant to this thread).
Radical Cheerleader wrote:Cornbread wrote:Just my suggestions from an actual former madison minority.
Are you part of the persecuted white minority?
Do you sympathize with George Zimmerman?
bdog wrote:C'mon boys, come clean. First one to denounce Nugent or Farrakhan gets my respect.
Cornbread wrote:Cornbread wrote:Just my suggestions from an actual former madison minority.Radical Cheerleader wrote:Are you part of the persecuted white minority?
You have no idea, but I'll just say, "the little world of your leftism is glaringly apparent"
Radical Cheerleader wrote:Do you sympathize with George Zimmerman?
Cornbread wrote:Actually, I really do.
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There was a study carried out last year (by Tesco) which interviewed British Asian graduates and apparently, a quarter said their families have a significant influence on the career they chose – compared to less than one in ten white British students.
And when Tesco asked British Asian parents and grandparents what careers they would like their children to pursue, the answers were straight out of a Goodness Gracious Me sketch - medicine (24%), law (19%) and accountancy (14%). Yes, that glowing holy trinity of doctor, lawyer and accountant.
Surveys aren't always spot-on, and as this one was carried out by the Tesco Asian Network, a group inside Tesco which helps company's British Asian employees develop their careers and attract more people of British Asian ethnicity to join the business, it has its own purpose. But even so, the findings take me back some 17 years. I remember in secondary school that many of my fellow Asian students chose maths, sciences and economics for A-Level study while I was one of the few studying Chaucer, the Italian subjunctive and the workings of our electoral system.
Another stat which arose in the survey is that less than a third of British Asian graduates said their family had no influence at all, compared to almost half of the white British student group. More interestingly, a significant 18% would let their family's views strongly affect their decision (and 3& even said they would put their family's wishes ahead of their own).
So why are British Asians more influenced by their families in their choice of career than their white counterparts? British Asian business success stories, the Asian rich list and the idea of wealth equalling success are common emblems in our culture and ones many aspire to be part of and believe in. Of course, there are millions for whom medicine, law and accountancy are the right career paths, but I know I speak for some of my acquaintances who, at the tender age of 35, already feel sick at the thought of another 30 years in these very same careers, ones they embarked on under a significant dose of family pressure.
It's certainly not a case of saying, 'Don't listen to your family.' In the UK, students take potentially life-shaping decisions at a young age and parents can be pivotal in ensuring these decisions are the right ones. But like doctors, parents aren't always right. For those lucky enough to have a vocation which does not fall neatly into their family's idea of success, following their heart is not the worst thing they could do. But then I would say that - I'm a freelance writer and have to make myself feel better about the fact that I'll never appear on that rich list...


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University of Rochester Medical CenterSchool of Medicine and Dentistry601 Elmwood Ave, Box 681Rochester, NY 14642
Appointment: (585) 275-2530
Dr. Todd Holmquist joined the UR Medicine faculty in Rochester, New York, in 2009 and is currently an Assistant Professor of Neurology. He is board-certified in both Neurology and Vascular Neurology. He is also certified by the American Society of Neuroimaging in neurosonology. He is a UR Medicine certified lean practitioner. He provides inpatient and outpatient care for patients with cerebrovascular disease. He is actively involved with clinical research in acute stroke treatment as well as secondary stroke prevention. He is the medical director of the UR Medicine neurovascular laboratory and actively interprets carotid and transcranial ultrasound studies. He is actively involved in medical student and resident education.


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Rates of suicide among young Alaska Native males are over ten-fold higher than among a similar age cohort in the rest of the United States. A high proportion of these deaths are associated with firearms. Firearms are an important part of the subsistence lifestyle of this population, however restriction of access to guns by youth may be a promising strategy to reduce the risk of suicides in this population. Previous research conducted in the first phase of this project has demonstrated that about 75% of homes in rural southwest Alaskan villages have guns, and only about 15% of these guns are locked; 6% are loaded.
The aims of this specific phase of the study to execute a randomized trial of an intervention to improve firearm storage practices among residents of selected villages. Our hypothesis is that households receiving training and equipment to store firearms in gun lockers will be more likely to store their guns locked at 12 months, compared to households not receiving the intervention.
Rates of suicide among young Alaska Native males are over ten-fold higher than among a similar age cohort in the rest of the United States. A high proportion of these deaths are associated with firearms. Firearms are an important part of the subsistence lifestyle of this population, however restriction of access to guns by youth may be a promising strategy to reduce the risk of suicides in this population. Recent work by the HIPRC has shown that locked guns are associated with a 73% reduced risk of suicide, compared to unlocked guns. Similar protective associations were found for unloaded guns. A recent pilot project to improve the storage of guns conducted in southwest Alaska increased the proportion of households having all guns locked from 15% to 85%. The aims of this proposed study are to estimate the prevalence of firearm ownership and of specific firearm storage practices among residents living in the Bristol Bay and Yukon-Kuskokwim regions of southwest Alaska and to work with the Alaska Native health corporations to plan and execute a randomized trial of an intervention to improve firearm storage practices among residents of selected villages. This 3-year study consists of two phases.
The first phase is a regional survey of households within 20 randomly selected villages in southwest Alaska to estimate the extent of firearm ownership and existing storage practices in these communities. This weighted sample would be extrapolated to an overall estimate of these variables for each of the two Native corporations in the region. The second phase of the study will be a two-arm randomized controlled trial of an intervention to increase the proportion of households that store all of their firearms in a locked safe. A secondary outcome will be to reduce the proportion of home reporting the presence of a loaded gun. Households will be randomly assigned to either an early or late intervention group. The 'early' intervention group will receive the intervention at baseline. The 'late' intervention group will receive the intervention 12 months after baseline. All eligible households within participating villages will be educated about the potential protective value of safe firearm storage practices, and then be offered a gun safe to store all of their firearms. Household adults will be trained to use the safe and to carefully restrict access to the guns by youth. Each household will complete a questionnaire about storage practices and important co-variates at baseline, 12 months, and 18 months. Data will be analyzed to detect differences, between groups, in the proportion of homes with unlocked guns, and loaded guns, at 12 and 18 months after baseline. We estimate that the enrollment of 350 homes at baseline should provide 90% power to detect differences of about 16-20 absolute percentage point difference between groups, depending on the baseline prevalence of these variables. This study has the potential to have an important effect on firearm storage patterns in a population at high risk for suicide. If proven successful, it could be disseminated throughout Alaska and other high risk communities.
Allocation: Randomized, Intervention Model: Parallel Assignment, Masking: Open Label, Primary Purpose: Prevention
Installation of gun locker in household, Installation of gun locker in household
Harborview Injury Prevention and Research Center
United States
University of Washington
Published on BioPortfolio: 2014-08-27T03:31:54-0400
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Household Products
Substances or materials used in the course of housekeeping or personal routine.
Single-parent Family
A household that includes children and is headed by one adult.
Specialty Uses Of Chemicals
Uses of chemicals in a research, industrial, or household setting. This does not include PHARMACOLOGIC ACTIONS.
Domestic Violence
Deliberate, often repetitive, physical abuse by one family member against another: marital partners, parents, children, siblings, or any other member of a household.
Treatment of some morbid condition by producing a reflex action, as in the household treatment of nosebleed by a piece of ice applied to the cervical spine. (Stedman, 27th ed)
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Atomic Performance Products - XR6T on-car Valve Spring Tool
On-car Valve Spring Removal Tool to suit Ford 6 Cylinder DOHC Our Patented (Patent # 2006100221) tool is a simple device to facilitate quick and easy removal of valvetrain components in Ford 4.0L VCT twin cam Barra engines. The unique features of the tool are as follows: • The cylinder head does not need to be removed to gain access to the valve springs • Once the tool is fitted, all 4 valve springs per cylinder can be changed concurrently • No special skills are required to use the tool • The possibility of collets falling into the engine is greatly reduced The tool saves many hours of labour when changing one or many valve springs, valve stem seals or retainers - a mechanic can change all 24 springs in about 3 hours. Changing valve springs is very common due to the varying tensions of standard springs and their rapid deterioration in service, which in turn caused erratic idling and drivability issues. They are also regularly changed in Ford turbo vehicles as higher Boost can bring about premature valve float. To use the tool, simply remove the camshafts, fit the tool to number #1 cylinder and the 4 springs can be changed in about 10 minutes. Refit the tool to the next cylinder in sequence and continue until all are changed, refit the cams and the job is done! For more info, visit: http://www.atomicperformanceproducts.com/tools_&_tricky_bits.html
Atomic Performance Products - XR6 Turbo Timing Chain Tensioner Setup
Brad goes through the basics of timing chain tensioner setup and a few neat tricks when installing one
Na xr6 3
Private road
XR6 Turbo Rebuild
After doing a compression test on the beast I noticed that it lost about 100psi in number 6 So I pulled the motor out and discovered that the oil ring had pushed thru... So it was time for a rebuild. Thanks my local mechanic we are going to do a rebuild total cost of the rebuild is about 10k.. I will be roaming the streets again min to late January.. Can't wait to see what horse power I can get hoping for 600rwhp+


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On 05/29/2013 04:20 AM, Eric Blake wrote:
On 05/28/2013 03:59 AM, Guannan Ren wrote:For qemu, if the -smp N or the value of maxcpus is given, it define the number of vcpu of guest whenever the vcpu topology is defined or not. But if the -smp N and maxcpus are missing, the topology can compute and define vcpus for guest automatically by math: vcpu number = sockets*cores*threads For libvirt, as <vcpu> is always mandatory, so we can ask topology to match maximum vcpu numbers. --- src/conf/domain_conf.c | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/src/conf/domain_conf.c b/src/conf/domain_conf.c index a9656af..ffdc6da 100644 --- a/src/conf/domain_conf.c +++ b/src/conf/domain_conf.c @@ -11815,10 +11815,10 @@ virDomainDefParseXML(xmlDocPtr xml, goto error;if (def->cpu->sockets &&- def->maxvcpus > + def->maxvcpus != def->cpu->sockets * def->cpu->cores * def->cpu->threads) { virReportError(VIR_ERR_XML_DETAIL, "%s", - _("Maximum CPUs greater than topology limit")); + _("Topology limit does not match maximum CPUs"));Is this going to reject XML that was previously accepted? Is there a bugzilla showing what happens if this patch is not incorporated? I'm worried about introducing an unintentional regression if we include this in 1.0.6 without more justification.
Yes, it make the cpu topology limit setting more strict. Alternatively, we can add more comments for <topology> to make it clear that <vcpu> decide the number of vcpus, the sockets*cores*threads had better be equal to vcpu numbers. The bz:https://bugzilla.redhat.com/show_bug.cgi?id=880017 Description of problem: libvirt should check if vcpu topology is right. If the wrong vcpu topology is given in xml , the wrong arguments also be passed to qemu-kvm. vcpu number = sockets*cores*threads Steps to Reproduce: 1.# virsh start vm Domain vm started 2.# virsh dumpxml vm <domain type='kvm' id='104'> ....... <vcpu placement='static'>4</vcpu> ...... <cpu> <topology sockets='1' cores='4' threads='2'/> </cpu> 3.# ps -ef|grep qemu-kvm qemu 21296 1 14 16:41 ? 00:00:17 /usr/libexec/qemu-kvm -name vm -S -M rhel6.4.0 -enable-kvm -m 1024 -smp 4,sockets=1,cores=4,threads=2 ......Actual results:
Wrong vcpu topology can be given in xml and passed to qemu-kvm Expected results: libvirt should check if vcpu topology is right.


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It was a hit pretty much across the board, except perhaps for the many GOP dead-enders in Congress (you know who you/they are). We are referring, of course, to last night's State of the Unionish speech by President Obama to Congress. Polls have revealed an uptick in Obama's approval ratings but one national independent survey focuses on an even more important reaction.
The national study among 1,600 Democrats, Republicans and Independents revealed that "inspiration" was the emotion felt most among viewers, including better than 1 in 4 Republicans. In fact, the poll results are headed: "President Obama's Speech to Congress Elicits Feelings of Inspiration among All Political Parties."
After the speech, Obama's approval ratings significantly increased among all parties, as well as his likability, believability and sincerity ratings, according to the pollsters, HCD Research.
Respondents were asked to choose from a list of emotions to indicate those that best reflected their feelings while viewing the speech. Democrats reported feeling inspiration (59%) and pride (21%) with Independents also naming inspiration (54%) with only 26% choosing skepticism. GOPers reported skepticism (47%) but also inspiration (29%).
Across the board, members of both parties and Indies had a more favorable view of Obama's handling of various issues, including the economy. On nearly every issue, the Republicans had given him "poor" ratings before the speech, which now shot up to at least "fair."
Before the speech, Obama's overall approval rating was 80% for Democrats, 22% for Republicans and 51% for Independents. After, they climbed sharply to 88%, 33% and 67%. This is confirmed by other survey.
So maybe the public, if the GOPers in Congress, are willing to shed partisan politics in this time of crisis -- sort of like post-9/11.
Greg Mitchell's new book, his ninth, is "Why Obama Won." He is editor of Editor & Publisher.
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Redondo Beach, CA – May 3, 2011 – Blue Echo Solutions, Inc., the manufacturer of award- winning HDMI products, is pleased to announce that it has been issued a U.S. Patent for hd EZ lock, the first Universal HDMI Lock on the market.
The United States Patent and Trademark Office (USPTO) has issued U.S. Patent number 7,914,338 for hd EZ lock.
"As HDMI is expected to remain the dominant connection interface for consumer electronics, with an estimated 1.3 billion connected devices on the market by 2014, we're very proud to receive a U.S. Patent for hd EZ lock. hd EZ lock is a product that has been well-received by the Consumer Electronics and Medical Industries, and one that solves HDMI connection problems extremely well," said Tony Eppright, President of Blue Echo Solutions.
hd EZ lock addresses common issues with the physical HDMI connection, both by locking the HDMI cable and eliminating harmful stress on the HDMI input. hd EZ lock typically installs in less than two minutes, and can be used with most HDMI cables and HDMI Components on the market. Once installed, hd EZ lock acts as a strain-relief eliminating connection problems such as disconnected HDMI Cables, intermittent sound and/or picture, signal dropouts, and stress induced damage to HDMI Cables and HDMI Inputs. Besides being a source of major inconvenience, these issues can, and often do result in expensive service calls and warranty repair.
Along with Custom Installers and end-users, hd EZ lock customers include Audio/Video Integration companies, Medical Equipment manufacturers for use on Surgical Devices, Professional Video Processor and Digital Signage manufacturers.
About hd EZ lock
The Patented hd EZ lock is the original Universal HDMI Locking Adapter, designed to work with most HDMI Cables and HDMI Components to secure them in place and eliminate harmful stress on the HDMI Input. The Universal hd EZ lock HDMI Lock is also recipient of a CES 2009 Innovations Design & Engineering Showcase Award. hd EZ lock is designed and manufactured in the USA by Blue Echo Solutions, Inc. Visit www.hdEZlock.com for more information about hd EZ lock. European customers interested in learning more about hd EZ lock can visit www.hdezlock.eu for more information.
About Blue Echo Solutions
Blue Echo Solutions is a Consumer Electronics company dedicated to providing Dealers and Consumers with products and services that will enhance the Consumer Electronics experience through innovative products and solutions, as well as by building great relationships and through world-class Customer Service. Blue Echo Solutions manufactures hd EZ lock and Blue Echo HDMI Cables. For more information about Blue Echo Solutions, visit www.blueechosolutions.com.
Tony Eppright
Blue Echo Solutions, Inc.
Phone/Fax 800-723-2304


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Amid the screaming tires, jubilant fans and flaming cars in the car-racing film "Rush," watch lovers might make out the vintage timepieces on actors' wrists.
From Wristwatches
Samsung Galaxy Gear watch – A Watch That Sinks Under Its Features
Samsung's Galaxy Gear watch is ambitious and even amazing. But it has too many components for one gadget.
Nathan Turner Goes Shopping at Atlanta's Scott Antique Markets
The traveling tastemaker heads to Atlanta for his first visit to the famous antiques fair
Pebble Raises $15 Million as Wave of Smart Watches Arrives
Pebble, the popular smartwatch that raised more than $10 million on Kickstarter, is looking to venture capital to help it transition from a side project to a more traditional company.
Market Report | The G.M.T. Watch Makes a Comeback
Dual-time display, made popular by Pan Am pilots, has made a prominent return.
Jaeger-LeCoultre collaborates with Hermes on a crystal-encased timepiece
The Swiss watchmaker collaborates with Herme?s on a limited-edition timepiece that runs almost indefinitely
Collective Design Fair debuts in New York, showcasing 20th- and 21st-century treasures
A new design fair showcasing 20th- and 21st-century treasures debuts in New York City
Tick Tock Tick Tock
How loud is the ticking sound of the grandfather clock? Do you have any clocks that make less of a sound? Do any of your grandfather clocks tick louder? What about your new and antique wall clocks? Will the ticking be so loud that I or my spouse or my family or my guests will …
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As a long-time leading retailer of grandfather clocks, we are frequently asked for our grandfather clock catalog. This is especially true because of our roots in direct marketing as a grandfather clock catalog retailer with a memorable toll-free number. Of course we have always sold and featured wall clocks, mantel clocks, cuckoo clocks, grandmother clocks, …


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Summary | Excerpt | Reviews | Beyond the book | Readalikes | Genres & Themes | Author Bio
Remember that movie Groundhog Day? Remember how Bill Murray wakes up every single morning to discover that everything - from the date on the calendar to the song on the radio - is exactly the same? David Levithan's Every Day shares a similar thoughtful playfulness about the fantastical predicament its protagonist - known only as A - encounters, but otherwise, the challenges A faces are exactly the opposite. You see, every morning when A wakes up, the world - or at least A's little corner of it - is entirely new. A wakes up in a different body every single day. It's been that way for A's entire life. A always occupies the bodies of people the same age (sixteen, now), and rarely travels outside the mid-Atlantic region. But other than that, A could - and does - wake up each morning in the body of anyone: a marathon runner or a drug addict, a teenage mom or a morbidly obese boy.
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Investors Cafe & Stock Exch, Investors, listed under "Investors" category, is located at 4412 Spicewood Springs Rd Austin TX, 78759 and can be reached by 5123466197 phone number. Investors Cafe & Stock Exch has currently 0 reviews.This business profile is not yet claimed, and if you are the owner, claim your business profile for free. If you are not the owner you can invite this business to join by email or by phone.Browse all Investors in Austin TX. Discover census data for Austin, TX.
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"I ask for 3 things in a hotel: a comfortable bed, a hot shower with lots of water pressure, and good air-conditioning. Boy did this place deliver! Copper City Motel has definitely been added to my "stay again" list."
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"Lovely staff and lovely cool drink on arrival Comfortable and ideal for needs Bathroom door base could have a good clean Rail on pool steps needed . I was unable to get in pool as nothing to hang on to in process"
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Anyone who lives in Manhattan and has a pullout couch receives a shocking number of weekend visitors.
When friends from Toronto came to visit last weekend, my boyfriend convinced me that insisting we stay home and watch Olympics for three days wouldn't earn me any hostess prizes. Consequently, Saturday night found a group of us having post-dinner drinks in a dark bar near Union Square.
The bar was packed with people watching the NBA Slam Dunk Contest on massive flat-screen televisions, but I scoped out a single 25-inch TV, awkwardly suspended in a corner by the pool table, that was showing the women's freestyle moguls from Cypress Mountain. We wedged ourselves in a nearby table and watched, cheering for impressive jumps and gasping at some equally impressive falls. We shared complicit smiles with three scruffy guys by the pool table, the only other people in the bar watching the skiing. The reactions of our two groups were completely out of sync with the NBA-watchers in the rest of the bar -- we cheered wildly while they sat silent and vice versa.
After a huge cry over a particularly painful-looking tumble, I heard someone behind us mutter, "What are those people watching over there?"
I was floored.
The Olympics have been front-page news in Vancouver for seven years. We've had seven years of funding battles, construction zones, protests and ticket controversies. Seven years of logo unveilings, mascot unveilings, torch unveilings, and medal unveilings. Seven years of praying the weather would comply (ummmm...), hoping that the opening ceremonies would go off without a glitch (errrr....) and dreaming that Canada could finally win its first goal on home soil (!!!). Even those people in Vancouver who oppose the games, still have a lot to say about them.
After seven years in an Olympic echo chamber, returning to the real world comes as a pretty big shock. There are people who -- gasp -- don't care about the Olympics? Really?
Actually, NBC's television ratings are up compared to the 2006 Games in Torino. The first two nights of Vancouver coverage averaged 30 million viewers apiece compared to 22.6 for Torino, and more than 97 million Americans have seen at least a few minutes of the coverage. Those in the know say that ratings have been boosted by the fact that Vancouver is only a few hours behind the Eastern U.S. allowing NBC to show events live in prime time.
But compare those ratings to Canada, a country obsessed with the Games right now. Friday night's Opening Ceremonies broke records when more than 26 million people caught at least part of the evening's coverage. That means nearly 80 percent of Canadians tuned in. And you can bet the percentage is higher among Vancouverites. Everyone I know is furiously tweeting or Facebooking, posting photos and calling me to tell me about the events they saw.
Though undoubtedly I would love to be in Vancouver, soaking up the Olympic-saturated atmosphere, I'm enjoying being a minority out here. There's a a semi-underground Olympic appreciation movement, a palpable sense of camaraderie when you do find someone else who obsessively follows the Games.
There are telltale signs, if you're looking. Once in a while, you catch sight of an Olympic t-shirt when a colleague takes off his sweater, and there are a few people who click onto the NBC Olympic website for updates throughout the day. Bring up Lindsey Vonn's shin injury to see who wanders and away and who excitedly speculates about what it could mean for her medal hopes.
I now have a core group of Olympic diehards at the ready for serious discussions about importance of Evgeni Plushenko's return to skating, Lindsay Jacobellis's second Olympic disappointment, or even the clown pants that the Norwegian men's curling team are using to numb the competition. The confusion and apathy these topics generate among the larger population only serves to make our Olympic bond closer.
So, to anyone who feels they're the only one who blubbers during medal ceremonies, anyone who gets frustrated at NBC's tape-delay, anyone who knows not only that the Olympic mascots have a marmot sidekick, but also that his name is Mukmuk...you're not alone.
Next in this series:
(Hockey) Pride Comes Before a Fall
Previously in this series:
The Vancouver Games: U.S. And Canada Are Neighbors, Not Twins
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Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
Old School/New School rhyme.. in GZAs "Labels" style
This is hip-hop GAME THEORY/
Sick of new bests yearly/ here to help them see clearly/
frontin MC's are READY TO DIE/ take back it back to the old school and RECAPTURE THE VIBE/
before fresh newbies claimed they could TOUCH THE SKY/
when they're just new to THE GAME/
Like DEAD PREZs/ 50 perCENT of whats said "Sound the same"/
like lipstick lezs/ cats are just OUT FOR FAME/ destroyin what legends built/
only reason you should "TILT/ YA HEAD BACK" is to look up at the "DEVILS SUN"/
our worlds burnin and you rhyme about how you "GOT YOURSELF A GUN"/
clever word play, hope you picked up on my BIG PUN/
its CURTAIN CALL/ time for you to retire/
no more "PLAYERS BALL"/ hip-hop PRODIGY-wannabe claimin he can "SPIT FIRE"/
what happened to Afrika Bambataa fillin bronx bball courts/ cats on the outside lookin "THROUGH THE WIRE"/
thinkin you thug coz you "FORT/ a MINOR"/hip-hops truely outta steam like a flat tire/
Just wrote this shit just then.. listening to labels and saw that other dudes thread rhyming about hip-pop songs.. thought id throw this up.. ill explain some of the shit.
GAME THEORY - The Roots classic LP
READY TO DIE - Self explanitory
RECAPTURE THE VIBE - Aussie hip-hop group song..
TOUCH THE SKY - Kanye West song..
THE GAME - Wannabe 2pac MC (playin that hes new to the game and claimin he owns west coast)
DEAD PREZ/"sound the same" - Hip-hop group..the lyrics are from their song "Hip-hop".. dope track!
50 perCENT - playin on 50 cent.
OUT FOR FAME - KRS-One song
TILT YA HEAD BACK - faggy nelly song
DEVILS SUN - playin on Big L's underground CLASSIC
GOT YOURSELF A GUN - Nas song
CURTAIN CALL - Whack eminem LP
PLAYERS BALL - Dope outkast song.. back in the day!
PRODIGY/SPIT FIRE - MC and his song..
THROUGH THE WIRE - Kanye Song
FORT a MINOR - Whack linkin park turned hip-hop group
Feedback? keep in mind just threw it together.. actually kinda like it, gonna work on it
Last edited by DJMethods; 02-24-2007 at 12:41 PM.
"Come as you are"
The lines/flow on this verse was real stretched and sumtimes sloppy. It was ok when it came to creativity, but when the flow is this off it really off sets everything else, punches don't land, metaphors sound weird, actually everthing sounds weird. If u can come this creative every verse u might be able to lay some sweet tracks though, but u gotten shorten and lengthen sum of ur lines to give it a realistic flow. 6.3/10
The dealer of hope is selling me lies
Reasons to live are reasons to die, in disguise
This life was never mine, the rivers never ran
Cross your arms, its too late for helping hands
Spit your pity elsewhere, there's no sympathy needed
For one who's never alive, for one who's never completed (Bigot Hitman)
Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
Yeah exactly what I was thinking with the flow. But I was just writing as I thought of the shit, didn't sit and try to work it out.. straight from the dome. I liked the idea though, so thought I'd post/get some feedback and work on it..
Cheers for the feedback! gonna work on it now.. let us know what you think once ive thought about it
And yer.. only been writing for a month at max, still learning
Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
every GANGSTARR/ thinks he has "skills" these days/
hip-hops goin nowhere like a parked car/ predictable like sitcom replays/
takin it back to THE ROOTS/you'll think your "minds playin tricks"/
everyone talks even the mutes/spit shit only understood by the ESOTERICs/
Cause this real hip-hop/understood by those with COMMON SENSE/
want this shit ta stop/clearing out impurities like burnin incense/
calmin to be tough/ you'll find "nowhere to run, nowhere to hide"/
call your bluff/my skills with the mic been certified/to wreck/
you best "protect ya neck"/before i make you "INSPECT DA DECK"/
mic skills are HI-TEK/prove you're fraud like you wrote a bad cheque/
with my superior interlect/damn near perfect/you best learn to respect/
me/known PUBLIC ENEMY/every week i commit another felony/
got police tellin me/this is a raid/
just a dope MC/tryina get PAID/ IN FULL/
pushin my illigit CD/and gettin laid/ in school/
since when is gettin nookie/a crime?/other countries you invade/ you fool/
he was a rookie/took a look at the dyme/and sprayed/ his drool/
all over her pussy/seen it was prime/and came/like a mule/
i told him to "back da fuck up" and he tried the bribe/
for a some action off my future bride/
took his money made sure the bitch was tied/
once he finished the ride/blew out his brains and made it look like a "suicide"/
blood everywhere/so i decide/
to be aware/ and glide outside/
not before i say a prayer/for my sins in god i can confide/
Fuck. that shit got off track towards the end, still using lots of song names/groups/MCs and shit so put it up. just wrote that then as well, really should sit down with all my rhymes and come up with one good one. some strong moments, some weak ones.
tried changing up styles too.. without mention of how off track it got, feedback? am i improving? where do i need to improve? strengths? weaknesses? ideas?
healthy merking
what you are trying to do is hard in the first place
youre right - it does seem to fall off toward the end
id be interested to see what happens when you just let loose
after i heard GZA rock this style the first time - i never been too interested in it
its clever but a lot of times it just wrecks the flow or makes the plot sound wack
i try it myself from time to time but i always end up tearing the paper up and throwing it out
your mother's dick
Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
I'll cut loose on another rhyme and show you cats what i can do.
i just like trying different styles.. like J-Live on his "Mcs" track second verse. starts every rhyme off with a word beggining with M, next word begins with C and just rocks that. shit takes TALENT.
cheers for the feedback!
Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
This aint cutting loose, tried telling a story haha.. promise next one ill just let rip with random non-true shit.
I had a paranoid psychosis a while back, so I'm flippin a lot of the time.. come up with the craziest ways people are trying to kill me, ways they find me, and all my mates/family being in on it. This is just a story about me flippin one time, some of its true, with the ex and me thinkin boys were breakin in.
Chillin on the couch watchin LA Confidential/
Get a call from an ex, surely it's coincidental/
bitch/ says shes horny/
shit/ starts fuckin with the mental/
asks me to go to my room, says its more sentimental/
I walk out the front and peep around/i listenin for any sound/
she rolled wit boys that be crowned/
so the shit i was thinkin was too profound/
ask her why she callin/ive moved on/
and she starts stallin/tellin me to have a bong/
minds appaling/start thinkin its one big con/
she says she recallin/times that are gone/
when i hear a phone that aint mine/
thinkin im blessed for hearin this sign/I run to the door and grip my nine/
say "fuck you bitch for lyin"/as i feel a tingle up my spine/
been waitin 4 years for this day/so i was prepared to slay/any motherfucker that steps my way/
step in my crib and you become prey/I fire 4 shots n ask if they wanna play/
when i hear a cry from the hallway/step out and shit blew me away/
there my brother lay/
1 to his neck and 3 to the chest/
my head was a mess/thinkin i was blessed/when i was really possessed/
now i live with the spirits that haunt me/continually taunt me/
this aint no flauntin/its a story for ya warnin/
now i awake every mornin/ with mournin/
Last edited by DJMethods; 02-26-2007 at 09:03 AM.
Wu Vatican
Join Date: Feb 2007
Posts: 5,841Rep Power: 27
This is just random rambling, turned into a bit of a battle track haha.. actually like the start, raped the one sound for a bit. if you dont understand any of the words look em up, adjective, noun and verb meanings. PS: Big L was my fav emcee, not baggin..
ive sown the seed into every kids mental/
now they're programmed to be detrimental/
takin back the world like it was a rental/
my army's intercontinental/
if your kids tempermental/ and bumpin my track/
its not coincidental/, i teach him to attack/
n the basic fundementals/, like not to do crack/
my soldiers are incremental/, worlds thoughts ill tack/
my words cause elemental/, harm/
fuck up the environmental/, cause for alarm/
none of its accidental/, like arabs choppin off arms/
by the time im done my legend be monumental/
if I make money it's just incidental/
my plans to bring down the governmental/ regime/
end the brainwashing machine/
the world controlled by cream/
my plans be extreme/to some/
im really supreme/rest of you is just dumb/
my master scheme/to make me number one/
hear the scream/when I spit fire with my tongue/
im untouchable like a nun/
you think you are before I pull a gun/n make you a mural like big pun/
one last thing to say before im done/
Big L was just a saint/im the real devils son/
The rest of you emcees be restraint/my time has begun/
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Although the Patient Protection and Affordable Care Act ("PPACA" or the "Act") is now over three years old, the Act's core requirements will not take effect until 2014. The last half of 2013 should be a "wild ride" as the federal agencies charged with implementing the Act scramble to prepare for 2014 and employers weigh their compliance options. This white paper is part of our ongoing PPACA series that is intended to keep clients abreast of recent developments and things to watch for as we count down to 2014. Included in this issue:
PCORI FEES: NEW FORM 720 AND JULY 2013 FILING DEADLINE In June, the Internal Revenue Service ("IRS") released an updated Form 720 which contains a new section to facilitate payment of the Patient Center Outcomes Research Institute ("PCORI") fee. The PCORI fee, which is intended to partially fund the Research Institute, is a temporary fee that will be assessed against insurers and sponsors of self-funded plans for seven years, beginning with plan years ending after September 30, 2012. The fee does not apply to "excepted benefits" plans.
The fee for 2012 is $1 times the average number of covered lives under the plan. In 2013, the fee will increase to a rate of $2 times the average number of covered lives under the plan (including COBRA qualified beneficiaries). For the subsequent years, the fee will include an inflation factor adjustment. The IRS has indicated that the fee is tax deductible for employers. Filing is required by July 31 of the year following the calendar year in which the plan year ends. For calendar year plans (i.e., those with plan years ending December 31), the initial filing deadline is July 31, 2013. Plans that operate on a fiscal plan year basis will have until July 31, 2014 to make their initial PCORI filing. These deadlines are not to be confused with the more substantial "transitional reinsurance" fee under PPACA, the initial payment of which will not be due until January 2015.
As 2014 approaches, the press will likely devote increasing coverage to "loopholes" in PPACA and compliance shortcuts that some employers may consider. Over the past few months, a number of clients have inquired about several of these potential approaches to PPACA compliance.
Use of "Skinny Plans": A May 20 article in the Wall Street Journal generated tremendous interest among some employers regarding the possibility of complying with PPACA by offering a "skinny plan." A skinny plan is a group health plan that offers very little by way of health benefits and, consequently, does not cost much. PPACA imposes shared responsibility penalties on large employers (those with 50 or more full-time equivalent employees) that fail to offer their full-time employees "minimum essential coverage" that is "affordable" and of "minimum value." Employers that fail to offer minimum essential coverage may be subject to a substantial penalty that is equivalent to $2000 times the employer's full-time employee head count, less 30. Surprisingly, employer-provided health plans that offer minimal health benefits (e.g., preventive care services) will likely constitute minimum essential coverage, provided they do not solely offer "excepted benefits" such as dental and vision coverage. Thus, these so-called skinny plans may allow large employers to avoid the penalty for failing to provide minimum essential coverage.
Notably, skinny plans are unlikely to meet PPACA's "minimum value" requirements under regulations recently issued by the IRS. A large employer's failure to offer a plan that is of minimum value will also trigger a penalty; however, the resulting penalty is $3,000 times the number of full-time employees who purchase coverage on a health care exchange using a health care premium tax subsidy. If no employees purchase coverage on an exchange using a tax subsidy, then there is no penalty. In addition, IRS proposed regulations state that this penalty cannot exceed the penalty that would apply if minimum essential coverage is not provided. With this in mind, skinny plans should not be viewed as a pathway to avoiding PPACA shared responsibility penalties. For a large employer that cannot afford to offer a richer health plan, however, a skinny plan may be a way to significantly reduce its penalty exposure.
Early renewals: Small employers (fewer than 50 full-time equivalent employees) are not subject to shared responsibility requirements; however, they will be impacted by a number of PPACA mandates that are likely to increase health insurance premiums next year. New mandates that are likely to drive premium costs in 2014 include elimination of pre-existing condition exclusions for adults, modified community rating (elimination of rating based on claims experience), guaranteed issue/renewability, and required coverage of essential health benefits. Some carriers are offering "early renewal" as a strategy for delaying the premium increases that are likely to result from these mandates. Since most of these mandates do not apply until the plan year "beginning on or after January 1, 2014," some carriers believe that by renewing early, small group insured plans can "lock in" lower, pre-mandate rates for nearly a year. The federal agencies charged with enforcing PPACA and the Pennsylvania Insurance Department have not yet stated their position on whether an early renewal approach poses any problems under the law. However, even if this is a lawful approach, there are a number of reasons to think carefully about early renewal, including:
Time to Consider Self-Insuring?: Traditionally, most small employers that offer employee health coverage have obtained insurance from a carrier instead of establishing a self-insured plan. The claims risks posed by self-insurance are easier for a large employer to absorb. For this reason, small employers that want to control their health care costs have had limited tools at their disposal, primarily: (a) shopping their plan on an annual basis for the best rates; (b) implementing wellness programs in hopes of reducing claims; (c) increasing employee cost-sharing; and (d) reducing available benefits. Several of the PPACA mandates that may increase premiums next year do not apply to self-insured plans. For example, unlike small group insured plans, self-insured health plans are not subject to maximum deductible limits, nor do they have to offer "essential health benefits" (although they are required to eliminate lifetime and annual monetary limits on such essential health benefits). Perhaps more importantly, self-insured plans are more likely to derive the financial benefits of a healthy workforce and associated wellness initiatives – they will not be directly affected by community rating (i.e., paying premiums based on the health risks in the geographic area as opposed to based on the employer's claims history).
With this in mind, will 2014 see a dramatic increase in the number of small employers that opt to self-insure? Perhaps. However, PPACA has not eliminated the risks of self-insuring that have historically kept small groups away. In fact, by eliminating annual and lifetime monetary limits on essential health benefits, PPACA has inflated those risks. With this in mind, although self-insurance may be the right answer for some smaller employers, it is an option that should only be taken after careful study. The good news, however, is that PPACA's "guaranteed issue" mandate will make it easier for small employers who experiment with self-insuring to return to the insured market if self-insurance proves to be too costly.
Opportunities and Risks Associated with Temporary Employees: Few industries will be more dramatically affected by PPACA in 2014 than the temporary staffing industry. The industry is very cost-competitive and many agencies keep their fees down by offering temporary employees few, if any, employee benefits. However, PPACA requires larger agencies to choose between offering qualifying coverage to full-time employees, paying a shared responsibility penalty or finding a way to keep temporary employees from qualifying as "full-time" under the shared responsibility rules. Companies that use temporary staffing firms may also find temporary employees to be a useful means for reducing the number of full-time employees to whom an offer of coverage must be made – or to delay the offer of such coverage. However, there are potential risks associated with any approach that is designed to avoid (or delay) offering coverage to full-timers.
Veterans in human resources and employee benefits are well aware of the age-old employee/independent contractor distinction. PPACA brings new significance to this issue. Employers that rely heavily on temporary employees for extended periods and who control their work are at risk, under IRS regulations, of being found to be the "common law employer" of the temps. Under PPACA, this could mean that the employer using the temporary employees is expected to make an offer of coverage to temporary employees who qualify as "full-time" under the shared responsibility rules – and the penalties for failing to do so could fall on the using employer. Likewise, temporary employees that are deemed to be employed by the using employer could conceivably push an otherwise small employer over the 50-employee threshold for purposes of triggering the shared responsibility requirements. Of course, not all temporary employees will be deemed employees of the using employer. However, it is prudent for employers and the temporary agencies they use to identify strategies for avoiding unforeseen PPACA consequences that arise out of the extended use of temporary workers. Such strategies may include caps on hours worked per week or year, allocation of supervisory control to the agency, confirmation of whether the agency will be offering PPACA-compliant coverage and indemnification provisions in client service agreements.
Reduction of Work Hours and ERISA Section 510: It is expected that many employers will reduce work hours for part-time employees who would be considered full-time under PPACA's 30-hours per week standard in 2014. Employees currently working between 30-35 hours per week may find their schedules reduced to 25-29 hours in 2014 (or earlier due to "measurement period" considerations). Several recent articles have speculated that reducing employee work hours to avoid shared responsibility requirements may violate Section 510 of the Employee Retirement Income Security Act ("ERISA") inasmuch as this would "interfere with" an employee's rights under an ERISA benefit plan. Of course, this novel argument has not yet been tested in court; however, it is unlikely the argument will prevail. PPACA does not "require" any employer to offer coverage; it merely imposes a penalty on large employers who fail to do so (assuming a full-time employee then purchases coverage on an exchange using a tax subsidy). An employer who reduces a part-time employee's hours to avoid this penalty is, therefore, not "interfering" with that employee's rights under a health plan; if the employee is not currently covered under the plan, he or she has no "rights" under the plan. The trickier question, however, is whether a full-time employee who is already covered under his employer's plan has recourse under Section 510 if his employer reduces his hours to fewer than 30 per week in order to avoid having to continue providing coverage. This novel argument may be tested in courts after the shared responsibility rules take effect.
PPACA requires employers to provide employees with a notice of health coverage options available to them through the so-called "Health Care Exchanges" (a/k/a the "Health Insurance Marketplace"). The Exchanges are intended to be virtual insurance marketplaces (federally-facilitated in Pennsylvania), through which individuals may compare and shop for "qualified health plans." This notice requirement applies to all employers covered by the federal Fair Labor Standards Act, including those with fewer than 50 employees.
Under PPACA, the notice must inform an employee:
Recently, in Technical Release 2013-02, the DOL provided temporary guidance on the notice requirement and set a new deadline: employers must begin providing employees and new hires with a notice of the Exchanges on October 1, 2013, the same date on which open enrollment for coverage through the Exchanges is slated to begin. Employers must provide a notice to each employee, regardless of his/her plan enrollment status or of his/her part-time or full-time status; however, separate notices are not required for non-employee dependents or other individuals who are or may become eligible for coverage under an employer's health plan.
The DOL has published two Model Notices, which employers may elect to use – a Notice for those employers that offer health care coverage to some or all of their employees and a Notice for those employers who do not offer a health plan. Employers may prepare their own notice of the Exchanges; however, they must be careful to ensure that they have provided all required content (including the information listed above) and that the content is presented "in a manner calculated to be understood by the average employee." Notices may be delivered via first-class mail or electronically, as long as the DOL's safe harbor requirements pertaining to electronic disclosures are met.
In addition to the Model Notices, the DOL also issued an updated model COBRA election notice, which must be used effective October 1, 2014. The model COBRA notice includes information regarding health care coverage alternatives offered through the Marketplace.
At the end of May, the DOL and the Departments of the Treasury and Health and Human Services (the "Departments") issued final regulations amending the 2006 Health Insurance Portability and Accountability Act ("HIPAA") regulations pertaining to wellness programs. The final regulations apply to grandfathered and non-grandfathered plans.
Since 2006, employers offering wellness programs that tie a financial incentive to the attainment of certain health outcomes (i.e., "health-contingent" wellness programs) have been governed by HIPAA's nondiscrimination regulations, which impose five basic compliance requirements for health-contingent wellness programs, including a general limit on the amount of financial incentives to 20% of the total cost of coverage under the plan. PPACA will increase this limit up to 30% (50% if related to tobacco use) in 2014.
The new rules outline the standards for nondiscriminatory health-contingent wellness programs, which are programs that reward individuals who meet a specific, health-related standard (e.g., non-use of tobacco, achievement of a certain weight or cholesterol level, or use of biometric screening or health risk assessments to identify employees with specific conditions or risk factors). In contrast, "participatory" wellness programs are those that are not tied to achievement of a health-related standard, such as reimbursement for gym membership and rewards for participation in a health education program that are not tied to an outcome. Participatory wellness programs are permissible under HIPAA, if made available to all similarly-situated individuals, regardless of their health status.
The regulations clarify the five nondiscrimination requirements for health-contingent wellness programs:
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© McNees Wallace & Nurick LLC
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We suffer as one
The world we are one
The earth split with fury at around 5,
triggering alarms meant to keep people alive,
the ground plates crashed forcefully and gaped open with a power close to 9,
as sand land and sea erupted along the fault line.
the waves they rose the sea,
sweeping away house , building, car and tree,
we watched affected as one of humanity,
awaiting news alerts of widespread tsunami.
Distant from the scene of the horror we look,
to the widespread carnage in every cranny and nook,
but close we are as the world we are one,
such disasters leave everyone undone.
Japan we have you foremost in our prayers,
as mother Earth creator and destroyer now sheds its layers,
in your times of turmoil, sadness, anxiety and despair,
there are many around the world who for you shed many a heartfelt tear.
Written on Friday 11th March 2011 in the aftermath of the massive earthquake that hit Japan.
-Ajay Bhoopchand
Photo of Japanese fans at the 2010 Soccer World Cup held in South Africa.