text:
The stability set as a social choice correspondence
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Volume (Year): 44 (2002)
Issue (Month): 1 (September)
Pages: 91-113
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- Paul B. Simpson, 1969. "On Defining Areas of Voter Choice: Professor Tullock on Stable Voting," The Quarterly Journal of Economics, Oxford University Press, vol. 83(3), pages 478-490.
- Josep E. Peris & BegoÓa Subiza, 1999.
"Condorcet choice correspondences for weak tournaments,"
Social Choice and Welfare,
Springer;The Society for Social Choice and Welfare, vol. 16(2), pages 217-231.
- Josep Enric Peris Ferrando & Begoña Subiza Martínez, 1997. "Condorcet choice correspondences for weak tournaments," Working Papers. Serie AD 1997-05, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie).
- repec:adr:anecst:y:1998:i:51:p:02 is not listed on IDEAS
- B. Dutta & J-F. Laslier, 1998.
"Comparison functions and choice correspondences,"
THEMA Working Papers
98-12, THEMA (THéorie Economique, Modélisation et Applications), Université de Cergy-Pontoise.
- Bhaskar Dutta & Jean-Francois Laslier, 1999. "Comparison functions and choice correspondences," Social Choice and Welfare, Springer;The Society for Social Choice and Welfare, vol. 16(4), pages 513-532.
- Bhattacharya, Anindya, 2002. "Coalitional stability with a credibility constraint," Mathematical Social Sciences, Elsevier, vol. 43(1), pages 27-44, January.
- Li, Shuhe, 1992. "Far-sighted strong equilibrium and oligopoly," Economics Letters, Elsevier, vol. 40(1), pages 39-44, September.
- Effrosyni Diamantoudi & Licun Xue, 2003.
"Farsighted stability in hedonic games,"
Social Choice and Welfare,
Springer;The Society for Social Choice and Welfare, vol. 21(1), pages 39-61, 08.
- Effrosyni Diamantoudi & Licun Xue, "undated". "Farsighted Stability in Hedonic Games," Economics Working Papers 2000-12, Department of Economics and Business Economics, Aarhus University.
- Barbera, Salvador & Dutta, Bhaskar, 1982. "Implementability via protective equilibria," Journal of Mathematical Economics, Elsevier, vol. 10(1), pages 49-65, June.
- De Donder, Philippe & Le Breton, Michel & Truchon, Michel, 2000. "Choosing from a weighted tournament1," Mathematical Social Sciences, Elsevier, vol. 40(1), pages 85-109, July.
- Rubinstein, Ariel, 1980. "Stability of decision systems under majority rule," Journal of Economic Theory, Elsevier, vol. 23(2), pages 150-159, October.
- Laffond G. & Laslier, J. F. & Le Breton, M., 1996.
"Condorcet choice correspondences: A set-theoretical comparison,"
Mathematical Social Sciences,
Elsevier, vol. 31(1), pages 59-59, February.
- Laffond, Gilbert & Laslier, Jean Francois & Le Breton, Michel, 1995. "Condorcet choice correspondences: A set-theoretical comparison," Mathematical Social Sciences, Elsevier, vol. 30(1), pages 23-35, August.
- Martin, M., 1998. "Quota games and stability set of order d," Economics Letters, Elsevier, vol. 59(2), pages 145-151, May.
- Smith, John H, 1973. "Aggregation of Preferences with Variable Electorate," Econometrica, Econometric Society, vol. 41(6), pages 1027-1041, November.
- Tataru, Maria & Merlin, Vincent, 1997. "On the relationship of the Condorcet winner and positional voting rules," Mathematical Social Sciences, Elsevier, vol. 34(1), pages 81-90, August.
- Chakravorti, Bhaskar, 1999. "Far-Sightedness and the Voting Paradox," Journal of Economic Theory, Elsevier, vol. 84(2), pages 216-226, February.
- De Donder, Philippe & Le Breton, Michel & Truchon, Michel, 1998. "Choosing from a Weighted Tournament," Cahiers de recherche 9815, Université Laval - Département d'économique.
- Mathieu Martin, 2000. "A note on the non-emptiness of the stability set," Social Choice and Welfare, Springer;The Society for Social Choice and Welfare, vol. 17(3), pages 559-565.
- Kramer, Gerald H., 1977. "A dynamical model of political equilibrium," Journal of Economic Theory, Elsevier, vol. 16(2), pages 310-334, December.
- Licun Xue, 1998. "Coalitional stability under perfect foresight," Economic Theory, Springer;Society for the Advancement of Economic Theory (SAET), vol. 11(3), pages 603-627.
- Le Breton, M & Salles, M, 1990. "The Stability Set of Voting Games: Classification and Genericity Results," International Journal of Game Theory, Springer;Game Theory Society, vol. 19(2), pages 111-127.
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The only thing I could think of adding to Tom Kerr's sage advice is for you
to check out your local municipalities codes to see if there are any
restrictions on farming within town or city limits. This issue would not
occur with "gardening" but if someone is running a truck farm out of a cg,
some local hard-nose might raise the issue.
Best wishes,
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> -----Original Message-----
> From: Kerr, Thomas J. [SMTP:firstname.lastname@example.com]
> Sent: Tuesday, December 26, 2000 10:58 AM
> To: 'Bob Petersen'; 'ACGA Community Gardens List'
> Subject: [cg] re: selling produce
> Bob,
> Kansas City Community Gardens has a ten-acre, 108-family parcel with 100
> 25x40 ft plots and numerous raised beds. The neighborhood sucks more
> because
> of derilict housing stock than the low-income residents living in them.
> However, when I approached media for coverage of the Food Circles
> Networking
> Project and the Troost Community Market, a local Saturday volunteer-run
> farmers' market in the heart of the city, with the natural tie-in of
> community gardeners available to sell as producers to their neighbors
> (food
> and money exchange is positive), well KCCG requested that I not let on to
> the entire city, via public television, that fresh, marketable produce was
> sitting on the ground, ready to pick.
> Citing previous problems with looting youth who jump the fence and pick
> with
> large shopping bags, they believed that the fewer people who knew about
> the
> value of the produce the better. I obliged by asking the camera man from
> one
> tv station to position his lens when shooting and interviewing away from
> any
> recognizable landmarks. We had six community gardeners sell at the Troost
> Community Market in 2000, and they all reported positive feedback (and
> some
> otherwise) about the experience, so we considered the efforts of inviting
> community gardeners worthwhile from a Market and Outreach perspective. We
> also keep in the back of our minds the KCCG concern.
> It seems to me that the role of cg's is to allow people to grow what they
> can and do with it what they will. The limitations might be set at a
> garden
> meeting (if you hold one), but if a church or non-profit were growing lots
> of corn to use as a fund-raiser, who's problem is it? The garden
> overseers?
> I don't think so. Similarly, when food is grown in the city, sold to
> residents in the city, isn't that the most agreeable form of food
> security,
> of enterprise, of community spirit? I think so. The Food Circles
> Networking
> Project, Community Food Security Coalition, ACGA, Extension agencies, USDA
> all have similar proposals identifying community gardening as integral
> parts
> of a local food system. Market gardening is catching on, and makes great
> use
> of space, if everyone in the cg is agreeable to the methods used by market
> gardeners.
> Issues of concern:
> continued safety of other gardeners - if the crop is recognized as
> more valuable than others' simple varieties of herbs & greens, the KC
> Community Gardens position makes perfect sense and should be taken into
> account. No sense in jeopardizing safety of gardeners if solutions can be
> met.
> equitable contribution to the garden - if market gardeners are
> remiss in their dues, fees, or donations to the garden project, you have
> something to complain about.
> the rest of the gardeners - be certain any complaints are reasonable
> and that all other gardeners' voices are heard. Seek out the opinions of
> those who aren't speaking up - most likely they'll have a rational idea
> regarding the issues. If everyone has a grievance, and they are
> substantial
> reasons for complaining (the market gardener is using too much water and
> hogging the hoses; the mkt gardener is using more chemicals than the cg
> by-laws permit; the market gardener is using GMOs and the drift is causing
> problems to other varities) than you have a reason for approaching the mkt
> gardener.
> above all else - someone in the garden management should be neutral
> at all times, if the issue has gotten to the point of name-calling or
> gossip
> beyond the control and good sense of the management maybe an outside
> mediator can be brought in from the local housing or community development
> agency. American Friends Service Committees or local race-relations orgs
> also have good mediation specialists.
> Of course, in a best case scenario, you'll find a reason to work with your
> gardeners to help them become better market gardeners. 50x50 ft plots
> sound
> like perfect market garden spaces. Sometimes Extension agents can help
> with
> horticulture expertise and the State Dept of Agriculture might have a
> marketing specialist who is increasingly working with other local efforts.
> The local Market might cut a discount for a stall fee if you have more
> than
> one grower requesting access to a stall at the market. The six growers at
> Troost Community Market had small card tables with a dozen pints of
> peppers
> each, they sold out each weekend, and the customers loved knowing that the
> produce was grown fifteen blocks away. Of course, no pesticide or
> herbacides
> were used, so they made fans of the organic-minded clientel also.
> In short, since not everyone wants to garden, or eat fresh-picked produce,
> or make honest money, all the better that groups like community gardens
> can
> assist encouraging these practices and thereby strengthening our
> communities. This is theoretical and practical too, as there are numerous
> proven examples. Hope your question has been answered by the number of
> replies you've received.
> Happy holidays, with a foot of snow on the ground, I guess California has
> many advantages to Missouri's seasonality.
> Tom
> ------------------------
> Tom Kerr
> Food Circles Networking Project - Kansas City
> University of Missouri Outreach and Extension
> 2700 E. 18th Street, Suite 240
> Kansas City, MO 64127
> tel: (816) 482-5888
> fax: (816) 482-5880
> www.foodcircles.missouri.edu
> -----Original Message-----
> From: Bob Petersen [mailto:firstname.lastname@example.com]
> Sent: Friday, December 22, 2000 10:25 PM
> To: firstname.lastname@example.com
> Subject: [cg] selling produce
> In a community garden situation, if you find one of the gardeners is
> only growing one crop in say a 50' x 50' area, and therefore you assume it
> is for sale, what do you do?
> unclebob's gardens in Irvine,CA.
> _______________________________________________
> community_garden maillist - firstname.lastname@example.com
> https://secure.mallorn.com/mailman/listinfo/community_garden
community_garden maillist - email@example.com


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I. lactea Hyacinthiana is blooming on the edge of my grassland near the
pond. Pseudo grassland that is. She seems to enjoy the occational flooding I
give the I. missouriensis.
Cindy Rivera
Albuquerque, NM
A very windy zone 7
Get your money connected @ OnMoney.com - the first Web site that lets
you see and manage all of your finances all in one place.


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Bjorn Bosveld
Khan Khloong Road 25/227, Chon Pra Than Soi 24, 77110 Hua Hin, Prachuap Khiri Khan, Thailand
+668 6093 4051
At Baan Suan Hua Hin we have drawn on our experience in the hospitality industry to create a destination Pool Villa that embraces all the ingredients of comfort, style, entertainment and recreation.
In this out-of-town setting with its cool breezes and serene ambiance, we are aware that you may have little desire to go out to dine or for entertainment, so we have endeavoured to provide everything that you might need right here at the villa. Facilities at Baan Suan Hua Hin include a 10 metre 100% mineral water swimming pool, sauna, cosy open livingroom and kitchen. If, however, you do wish to explorer further afield - after all, the region is blessed with some of the most idyllic beaches in Thailand, as well as several world-class golf courses. 4 bicyles are provided free or charge - other transport options as a car and or motor bicycle(s) can be arranged.
The name Baan Suan Hua Hin means Garden House in Thai.
The villa has 4 bedrooms, 5 bahtrooms. The accomodation offers a lot of privacy, a wonderful lawned garden with trees, a wonderful pool (equipped with Jet-Stream) and a wonderful view of the mountain.
Its comfort and the vicinity of the beach, places to shop and sport activities make this an ideal villa to celebrate your holidays with family or friends.
November - April
May - October
Pool Villa
The villa accomodates 8 people boasting 2 master suites with kings size bed, and 2 guest rooms with twin beds. All bedrooms have en-suite bahtrooms, are air conditioned and have a ceiling fan. There is a open living room and kitchen with "inside" dining for 10, pool side terrace and sunbeds, sala and garden. 10m x 5m Eco Green Pool (100% Mineral Water) equipped with Jet-Stream, there is a 2 person sauna with view on the garden and pool. Each bedroom in the villa has a 32" flat screen with tv with international channels, in the living room/lounge area you will find a 40" flat screen tv, DVD Player and iPhone/iPod docking station.
560 sq.m
A car with driver (seating up to 8 passengers) can be arranged for airport transfers.
4 bicycles are provided free of charge.
Business Facilities
Address :
Khan Khloong Road 25/227, Chon Pra Than Soi 24, 77110 Hua Hin, Prachuap Khiri Khan, Thailand


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Game Recaps: Thursday 5/14
In game one, the Clippers won it in dramatic fashion in the bottom of the seventh off a Chris Gimenez walk.
However, the Clippers got off to an early 2-0 lead off a sac fly from Michael Aubrey and an RBI double off the bat of Jordan Brown.
In the bottom of the third, tied at two, the Clippers took the lead again via the long bomb, when Michael Aubrey homered to right.
Lehigh Valley tied the game up in the top of the fourth and it would remain tied until the walk-off walk.
Starter Kirk Saarloos (2-4 5.11) went six strong innings, giving up six hits on three earned runs. He walked two and struck out two. The winning pitcher of game one was Rich Rundles (1-1 2.13) pitched a scoreless seventh, earning his first win of the season.
The second game was also decided by one run and Columbus struck first for three in the second. Chris Gimenez led off the inning with a home run to left field. Jordan Brown followed that up with a double to right. Later in the inning, George Lombard singled, driving in Brown. Andy Cannizaro also singled, scoring Lombard.
Lehigh Valley struck for four in the top of the third, giving them a 4-3 lead.
Columbus then scored a run in the bottom of the fourth and fifth, giving them a 5-4 win.
Starter Tomo Ohka (3-2 3.54) went five innings, allowing five earned runs.
Aeros shuts out Altoona
Akron pounded out 13 hits, but their pitching staff was the story of the day, only allowing five hits and shutting out Altoona 7-0.
Akron got on the board in the third when Niuman Romero grounded out, which scored Jerad Head. They scored another run in the third from when Matt McBride singled, scoring Jared Goedart. In the fifth, Akron scored two, with RBIs coming from Goedart and Head. Damaso Espino drove in another run in the seventh, and an RBI each for Weglarz and Head in the eighth.
Jenmar Gomez (3-0 0.45) went eight strong innings, only allowing four hits and striking out eight, while not allowing a single run or walk.
K-Tribe lose 4-3
Kinston had trouble driving in runs on Thursday night, as they were able to get the lead-off man on base in each of the first five innings, but couldn't drive him home. Kinston also struck out a season high 14 times.
Kinston finally broke through in the sixth inning, when Drennen led off with a double and Alex Castillo drove him in with a hit two batters later. With Kinston trailing 2-1, Wilmington would take advantage of another K-Tribe mistake as Wilmington's Johnny Giavotella reached base on an error by K-Tribe first baseman John Allman.
With Kyle Landis on the mound, Wilmington's Mike Moustakas hit a two-run home run one batter later, extending the lead to 4-1. Kinston matched a season high with three errors on the night, resulting in two unearned runs.
Kinston starter Paolo Espino (0-1) was the tough luck loser, giving up just three hits and one earned run in five innings. He walked one and struck out four. Matt Meyer was great out of the K-Tribe bullpen, pitching two perfect innings and striking out two.
Kinston would finally get that clutch hit in the eighth inning, when Cord Phelps would drive home Roman Pena and Lucas Montero with a two-out, two RBI single. Chisenhall (2-for-5), Drennen and Pena each had two hits for Kinston.
Captains shut out
The Lake County Captains season high four game winning streak came to an end as the Hickory Crawdads shut out the Captains 5-0 on Thursday. The Captains have struggled against the Crawdads this year going 1-4 so far. This was the second time this year that the Captains have been shut out.
The Hickory Crawdads got to Captains starter T.J. House scoring two runs in the bottom of the second innings when Timmy Rodriguez drove in a run with a sacrifice fly and Edward Martinez singled home a run to make it 2-0. It went to 3-0 in the bottom of the sixth inning on a sacrifice fly by Matt West.
The lead was extended to 5-0 in the bottom of the seventh inning when a Captains fielding error allowed a run to score and Erik Morrison single home a run.
House (1-4) took the loss lasting six innings and allowing three runs on five hits, walking one and striking out six. Crawdads starter Wilmer Font upped his record to 2-0 pitching six scoreless innings and scattering four hits walking three and striking out six.


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After stints with a folk duo, then a bluegrass group, Chaz Hearne decided to go the solo route. And it's a good thing, because he doesn't seem to quite fit either of those categories, although his style is extending the boundaries of both.
If that sounds a bit confusing, consider the premise of his debut solo effort, straight from the source himself: "The Legend of Core Dynamo is a political album that tackles some heavy subject matter through the lens of folk songs and comic book characters. Core Dynamo is supposed to stand for an incorruptible leader but people have lost faith in authority." (It's appropriate now to mention that Hearne wrote the album while living in Chicago…)
As it turns out, the music is not confusing nor corrupt. It is, however, unconventional. Hearne is learned in guitar, banjo and piano and you will hear all three wielded to great effect, along with vocals that are easy to rally behind.
As far as the tracks go, the song Core Dynamo unmistakably evokes a 60's/70's folk movement, while The Legend is neither folk nor bluegrass and includes an anthem-like rock guitar solo. One brings more of the traditional bluegrass feel but, again, leans into something different. Bigger. (There's even a little Grateful Dead in there.)
Disjointed? Perhaps a little. Hearne seems to be at his best when pushing his folk and bluegrass roots to the edges, without crossing over completely. But ultimately, The Legend of Core Dynamo is everything a solo album should be—a one-of-a-kind composition built on one's myriad of experiences and influences. And it's really good.
Click to listen to The Legend of Core Dynamo, and you can catch Chaz Hearne live at Uncommon Ground on October 1. Here's his website.


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By viewing the life and times of Ruth, you experience a century of gay black history through interviews with Ruth and recreated scenes of this inspiring woman's past. From her first crush on her high school gym teacher in 1917 (!) to the last time she had sex (at 95) and everything in between. With girlfriend Babe', Ruth bought a house, which provided a meeting place for the black gay community in the Midwest in the 40's, 50's and 60's.You will cry watching this documentary. Nowadays, with so many gay and lesbian youngsters out and about, it's worth reflecting on and honoring those who made it possible. Ruth Ellis is a exceptional person and deserves to be watched and listened to.
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Art of Bellydance Studio & Boutique
Alexandra Lenis, who has danced with the Mid Eastern Dance Exchange since 2001, has a passion for honoring both the art and culture of belly dancing. Within her 1,000-square-foot studio safe, she and her team of talented instructors cultivate a non-competitive group atmosphere where dancers, regardless of their skill level, can learn and practice the proper techniques and postures for shimmies and rolls. The sound system sets the mood with Middle-Eastern music as students use veils and finger cymbals while sashaying across the shock-absorbent dance floor.
Lenis and her crew also lead Latin-inspired Zumba classes, which are more focused on keeping heart rates up than teaching precise hip swivels that can charm snakes out of their hiding spots in wicker baskets or seemingly innocuous cans of mixed nuts.
Art Deco Historic District,Flamingo/Lummus,South Miami Beach,West Avenue
1431 Alton Rd
Miami Beach, FL 33139
+13056958720Get Directions


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Professor John Chenoweth
Small iron balls called grape shot, meant to be shot out of cannons, were found in the posthole of a plantation house discovered in the British Virgin Islands.
May 20, 2011 --
Captain Jack Sparrow may rule the high seas this weekend with "Pirates of the Caribbean: On Stranger Tides," but long before this famous fictional pirate plundered the box office, other notable buccaneers, privateers, scoundrels and rapscallions controlled the seven seas. Explore some of the most famous pirates ever to sail the Caribbean in this slideshow -- or else we'll make you walk the plank.
Blackbeard, born Edward Teach, is not only the principle antagonist in "Pirates of the Caribbean: On Stranger Tides." He's also one of the most legendary pirates ever to fly the Jolly Roger. After spending the early days of his pirating career on the crew of Benjamin Hornigold, a privateer captain based out of New Providence, Teach rose through the ranks and eventually was given his own ship, a 300-ton frigate with 40 guns that he would christen Queen Anne's Revenge. The name Blackbeard came from Teach's trademark long, black beard, within which he would tie several ribbons of different colors. He also wore three pairs of pistols across his chest in addition to the sword and small blades he kept as his side. As the legend of Blackbeard grew and he continued to capture ships in the Caribbean, so did Blackbeard's wealth. Eventually Blackbeard even tried to retire from his pirating ways after receiving a pardon, selling his booty, abandoning his crew and settling in the American colonies. Even in retirement, however, Blackbeard couldn't give up being a pirate and soon fell, once again, into the habit of plundering ships. Eventually, the then-Governor of Virginia, Alexander Spotswood, commissioned Lieutenant Robert Maynard, an experienced naval commander, to capture or kill Blackbeard. Since Blackbeard had lost his flagship, Queen Anne's Revenge, prior to the battle, the pirate was short on firepower and men. The battle, which resulted in hand-to-hand combat between the navy and Blackbeard's men, included a fight between the two captains. Maynard eventually prevailed, but Blackbeard didn't go down easy. After he died, more than 20 wounds from gunshots and swords were found on his body. With victory assured, Maynard placed Blackbeard's head at the bow of his ship as a trophy and warning to other would-be pirates.
Henry Morgan
Known for his bravery and leadership, Henry Morgan was perhaps the most famous buccaneer of all time. Morgan was born in Wales in 1635, but his ambition took him to Jamaica as a young man to seek fame and fortune. As a privateer and a captain with the English, he built his wealth, amassed an army and grew his reputation in campaigns against the Spanish and Dutch by capturing enemy ships and sacking their towns. Morgan retired peacefully and died in 1688, just as the golden of age piracy had begun to sunset.
Black Bart
Bartholomew Roberts, also known as Black Bart, was only a pirate for a little more than three years, but he would leave his mark as one of the most successful pirates in history, having captured almost 500 ships during his career. Black Bart became known for his fearlessness, often successfully attacking ships much larger than his own. Even as navies started to crack down toward the end of the Golden Age of Piracy, Black Bart's gunboats were left unchallenged. Roberts was also known as a ruthless pirate. In one case, when the captain of a slave ship refused to pay a ransom, Roberts set fire to the ship with all of the slaves still inside. Black Bart did have his quirks as well. He was known for being an impeccable dresser, and, as a religious man, refused to attack on Sundays. In 1722, Roberts died during a battle with the HMS Swallow after getting hit by grapeshot during a broadside attack.
Getty Images
William "Captain" Kidd
Perhaps the most unlucky captain in the history of piracy, William "Captain" Kidd set to be a privateer, but ended up becoming a pirate. In fact, Kidd intended to hunt pirates ferociously after being commissioned to do so by Richard Coote, the governor of New York and Massachusetts. Shortly after Kidd set forth on his mission, a third of his crew succumbed to cholera. His ship also sprang numerous leaks. Early efforts to attack enemy ships failed. Even worse, Kidd didn't encounter any pirates. Kidd and his crew became desperate and violence within the crew was rampant. Kidd killed his own gunner, William Moore. The act held quiet what had been a mutinous crew. In January 1698, Kidd captured a ship belonging to British East India Company, which was loaded with gold, silver, silks and other valuables. Since Kidd was a privateer for the British, this attack was considered an act of piracy. (Kidd originally believed the vessel sailed under the French crown.) After capturing the ship, however, legends began to surface about where Kidd had hidden his treasure, as depicted in this illustration. When Kidd came ashore to New York City, he learned he had been declared a pirate. Kidd was arrested in Boston after traveling to the city with the false promise of clemency for his crimes. Kidd was convicted on one count of murder and five counts of piracy and sentenced to hang on May 23, 1701.
Getty Images
Francis Drake
A hero to the English and a scourge to the Spanish, Sir Francis Drake was perhaps the most powerful pirate in history. At the end of his career he answered only to Charles Howard and Queen Elizabeth I, who is seen knighting Drake in this illustration. A skilled sailor and navigator, Drake attacked Spanish settlements, raided Spanish ports and captured galleons laden with gold. The Spanish even offered a rich reward for anyone who would capture or kill Drake, the equivalent of over $6 million today. Drake is also known as the first Englishman ever to circumnavigate the globe, which he completed in 1580.
Anne Bonny and Mary Read
Whoever said piracy was just a man's game? Anne Bonny and Mary Read were two pirates who proved they could more than hold their own in a profession dominated by men. Bonny first entered piracy after becoming romantically involved with Captain John "Calico Jack" Rackham, who would become famous for having these two notorious women serve under his command. After leaving her husband and setting sail with Rackham, Bonny became famous for her success as a pirate and her effectiveness in combat even though she didn't command a ship. All her life, Mary Read acted and was treated like a man. In 1720, she joined Bonny and Rackham as a pirate and despite the brevity of the union, the three would forever be linked in history. In the fall of that same year, Rackham and his crew, including Bonny and Read, were captured. During his trial, Bonny was asked to testify on Rackham's behalf when she uttered the famous line: "If he had fought like a man, he need not have been hanged like a dog." Rackham was executed, and Bonny and Read were due to follow, but they both claimed that they were pregnant and a temporary stay was imposed on their executions. Read died of complications from a fever related to childbirth. Nothing is known about what happened to Bonny after she escaped execution.
Jean Lafitte
Was Jean Lafitte an American hero or a savage criminal? It seems like he was a little bit of both. On the one hand, Lafitte avoided American ships throughout much of his career as a pirate, instead preying on English and Spanish vessels that ventured into the Gulf of Mexico. He also successfully defended the city of New Orleans in the War of 1812 alongside Andrew Jackson. On the other hand, he was a smuggler and a pirate who stole a small fortune over his career (although he became known for treating enemy captives well). Although his reputation is up for debate, Lafitte's legacy is undoubtedly the rumors of buried treasure that he left behind throughout Louisiana -- a fortune that was sought after long after he died around 200 years ago.
Getty Images
Francois L'Ollonais
The French buccaneer Francois L'Ollonais, born Jean-David Neu, may be the most bloodthirsty pirate on this list. L'Ollonais was particularly notorious for the manner in which he treated his prisoners. In one account of his ruthlessness during the sacking of Maracaibo, Venezuela (a town he had laid to waste and held for a ransom of gold, silver, gems and slaves), L'Ollonais cut out the heart of one of his Spanish captives and started taking bites out of it in front of his other prisoners, assuring them that he would kill and eat them all if he didn't get the information he wanted. Ironically, some months after this incident, his ship ran aground off the Las Petras Islands, where he was killed -- and possibly eaten -- by a native tribe.
Stede Bonnet
Stede Bonnet might be known as the baddest pirate captain of them all. By baddest, we're not talking about his ruthlessness, but rather his sheer incompetence. Unlike other privateers and buccaneers whose stories document a tale of rags to riches, Bonnet started out as an educated, wealthy plantation owner before turning to piracy, despite the lack of sailing experience, when he was middle-aged. Although Bonnet himself wasn't the most capable leader, he did have an amicable relationship with Blackbeard -- which lasted until Blackbeard realized Bonnet was incapable and took over Bonnet's ship, the Revenge. In 1718, a little more than one year after he decided to take up piracy, Bonnet was captured and executed.
Archaeologists working on two small Caribbean islands have found artifacts intentionally buried beneath two 18th-century plantation houses.
They appear to have been placed there for their spiritual power, protecting the inhabitants against harm, said John Chenoweth, a professor at the University of Michigan-Dearborn, in an interview with Live Science.
The discoveries were made recently in the British Virgin Islands, an overseas territory of the United Kingdom. [Photos Reveal Ancient Pirates of the Caribbean]
PHOTOS: Colonial Settlements That Failed
On one island archaeologists found "grape shot" — iron balls less than an inch (2 centimeters) in diameter meant to be shot from a cannon — buried in two postholes under a sugar plantation house. At this time on the British Virgin Islands "weapons were in short supply, so these bullets would have been likely relatively important," Chenoweth said. Why someone would bury them in postholes is a mystery, as one would need to dig up the house's foundation to access the iron balls, not to mention the balls would corrode over time, Chenoweth said.
That ammunition likely served a spiritual or magical purpose, he said. Supporting that idea, researchers Jacqueline Simpson and Steve Roud write in the "Dictionary of English Folklore" (Oxford University Press, 2002) that "the power of iron to repel evil is very well attested in Englishfolklore, and throughout Europe — all sorts of domestic objects, and even lumps of scrap iron, were placed in homes, stables and cowsheds as defenses against witchcraft and harmful fairies, or used in counter-spells."
Chenoweth believes that this ammunition was used like a counterspell. Grape shot was intended for warfare and therefore could be magically used to stop violence. "Following the idea of 'like cures like' the grape shot may have beenburied to keep violent attack away," he said in a follow-up email.
NEWS: New Clues May Reveal Fate of Roanoke Settlers
The inhabitants of the two-room plantation house had plenty of potential violence to worry about, as historical records show the island government continually warned London the colony was short of weapons and ammunition and was vulnerable to a Spanish attack or slave uprising, Chenoweth said. The fact that the plantation homeowners buried this scarce ammunition makes the find all the more remarkable.
"When they placed them there they had a good reason for doing so," Chenoweth said. (History of Human Aggression: 10 Ways Combat Has Evolved)
The quarters for the plantation slaves have not yet been found.
Archaeologist Rachel Cajigas records the top layers of an excavation unit in the British Virign Islands where a plantation house, and buried artifacts, have been discovered.Professor John Chenoweth
On another small island, in postholes of another two-room plantation house, Chenoweth's team discovered a whelk shell plugged so that it could be used as a container. Next to it they found fish bones, pins and the bones of a Puerto Rican racer snake.
Chenoweth thinks the shell, which would have held the bones and pins, had a spiritual purpose of sorts. It appears to have been inserted into the foundations around 1740 during a remodeling. Similar objects, called "witch's bottles," have been found at sites in England and America. "It has a long history in England and something that seems to be connected to pre-Christian spiritual practices," he told Live Science.
Objects like these are "seen as an effort to protect the house against bad magic basically, spirits and spells that might seek to harm some of the occupants of the house," Chenoweth said.
Placing the snake bone, which symbolizes something negative, in the shell could have magically canceled out the negative power that the creature represents, he noted.
NEWS: Jamestown Colonists Resorted to Cannibalism
This plantation was in use from 1720 until about 1780. The slave village is about 150 feet (46 meters) away and would have held no more than 20 slaves. This plantation produced mainly cotton, and, curiously, historical records indicate its owner was a member of the "Religious Society of Friends," also known as Quakers, a group that tended to stay away from rituals and ritual objects.
The two islands are located a few miles from Tortola, the seat of the British Virgin Islands government. The plantations are now part of private property, and the landowners prefer the name of the islands not be released.
The British Virgin Islands are "a beautiful place that many people visit for its culture,arts, and natural environment. I'm hoping that my work can help highlight the unique history of these islands from a plantation past, to freedom, to the modern vibrant society the people of the (British Virgin Islands) have created," Chenoweth said in an email.
Chenoweth reported the team's finds recently at the Society for American Archaeology annual meeting in Austin, Texas.
More from LiveScience:
Image Gallery: Two Ancient Curses
Supernatural Powers? Tales of 10 Historical Predictions
In Photos: A Journey Through Early Christian Rome
Copyright 2014 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Article orginally appeared on LiveScience.com.


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Former stylist Jessica Richards and beauty journalist Jules Stringer opened this Cobble Hill jewel—a candy-hued, old-world-style apothecary with modern touches. The space carries an assortment of all-natural and organic products, as well as a handful of high-end products for which Shen has exclusive U.S. distribution (one being top aesthetician Amanda Lacey's cleansing pomade, $89). There are local treasures, too, including Amanda Walker vegan essential-oil blends ($65) and a line of sulfate-free body washes ($18), lotions ($18) and soaps ($8) in aromas like almond-bergamot and tangerine-spearmint from Brooklyn's own the Bubble Roome. Cosmetics connoisseurs and dabblers alike can try Becca sheer moisturizing tints ($42) that instantly wake up winter-weary skin, Lipstick Queen lipsticks and glosses ($16–$24) and Piggy Paint nontoxic peel-off nail colors ($9). Or just make your next bubble bath more festive with Feeling Smitten organic, edible-looking cupcake bath bombs ($5–$12).
|Venue name:
|Shen Beauty
315 Court St
New York
|Cross street:
|between DeGraw and Sackett Sts
|Opening hours:
|Mon–Sat 11am–7pm; Sun noon–6pm
|Subway: N, R to Court St; F, G to Bergen St
|Do you own this business?


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New research published in PLoS Medicine demonstrates associations between local rainfall and temperature and cases of dengue fever, which affects an estimated fifty million people per year worldwide. But the study finds little evidence that the El Niño-Southern Oscillation -- the climate cycle that occurs every three to four years as a result of the warming of the oceans in the eastern Pacific -- has a significant impact on the incidence of dengue in Mexico, Puerto Rico or Thailand.
Large outbreaks of dengue, a vector-borne viral disease spread by the Aedes aegypti mosquito, occur every few years in many tropical countries. Michael Johansson, of the Centers for Disease Control and Prevention in Puerto Rico, used a technique called "wavelet analysis" to probe relationships between the local climate, El Niño, and incidence of dengue in Mexico, Puerto Rico and Thailand -- three countries where dengue is endemic. They were able to separate and compare seasonal and multiyear components of each. In all three countries temperature, rainfall, and dengue incidence varied strongly on an annual scale, showing association in the wavelet analysis.
On the multiyear scale however, the researchers found no association between El Niño and dengue incidence in Mexico, a statistically insignificant association in Thailand, and an association in Puerto Rico only significant for part of the study period. The authors warn that the Puerto Rico outcomes should be viewed with caution.
The authors acknowledge that El Niño could still play a role undetected by this research. But as Pejman Rohani of the University of Michigan -- uninvolved in the research -- states in a related Perspective, the absence of a predictable link between El Niño and dengue transmission "is an important piece of information for the development of early warning systems".
This study was supported by the US Centers for Disease Control and Prevention.
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The place has a wonderful relaxed atmosphere and the people are absolutely marvellous. Lots to see and great for wandering around leisurely sightseeing.
I suggest 1 day/night visit. City is not offering more than old Romanic churches, shops and good food.
The old town has maintained the historical buildings. Even the contemporary sites are inspired and retained the spirit of the place. A visit of the principal cultural and artistic sites will take at least one full day.
Visited here in early September and it is a beautiful old town with lots of lovely old buildings. Outside the church are 2 statues and the represent the way they dress at Easter for a parade. There is a castle we loved just strolling along the streets. There was an outdoor concert on that night and all the streets were...
We went into Zamora after hearing about the town a nice peaceful place not many tourists like us. Beautiful architecture churches, castle, and a lovely roman bridge one long road through the shopping centre and then the history sites make sure you go to the Cathedral.
A charming small town, cute, but nothing incredible. So if you are passing by is worth it to stop and take a look on it. Not a place that I would stay more than one day though. 3 hours are enough to see everything and stop to eat, there are many good restaurants and bars around.
Zamora is a very nice town, but due to the many tourists find it difficult to feel "right spirit" of Zamora and its natives (unlike Salamanca)
Nice place to visit. Go to Avenida Santa Clara from to beginning to the castle. Have some nice tapas in all good places on the right hand side.
Much loved city with many good bars , shops and restaurants. The people are very warm and go out of their way to welcome you . The only bad thing is having to leave
Zamora is often forgotten. People go to Salamanca or Segovia, but Zamora has a beautiful old town which is pedestrian, clean and very interesting. There are many things to see and do.
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Become a Sponsor
Hope and healing for a child. The most worthy investment of all.
People love to support businesses that support local charities. When you partner with Cincinnati Children's through Cincinnati Walks for Kids, you're supporting a world-class medical center that is helping to change the outcome for children and families. Each year, the walk attracts thousands of supporters who join together to raise money to advance research and improve care for sick and injured children.
View our Sponsorship Opportunities.
View our 2016 Impact Report.
2016 Partnership Opportunities
Presenting Sponsor $75,000
Advance Walker Check-In Sponsor $50,000
Platinum Packages $25,000
Showcase your company as an exclusive on-site sponsor of one of the event areas listed below. Includes all benefits of the Silver Sponsor plus promotion throughout your designated event area, including logo placement, opportunity for on-site presence & distribution of giveaways. Our team will work to create a customized on-site presence that best suits your organization's marketing goals.
Areas Include:
- Kids Zone
- Water Station
- Medical Tent
- Champions Den
- Finish Line Stage – Reserved
- Train Station – Reserved
Gold Package $10,000
- Two Cincinnati Walks for Kids route markers with your company logo and a message of encouragement to participants
- On-site opportunity to host a table at the finish line
- Includes all benefits of the Silver Package
Silver Package $5,000
- Opportunity to designate your company contribution to the hospital area of your choice*
- Company name listed on the Cincinnati Walks for Kids website, main event banner and official T-shirt given to all walk participants
*Undesignated funds will support the medical center's greatest needs.
Bronze Package $2,500
- Company name listed on the official Cincinnati Walks for Kids T-shirt given to all walk participants
For more information, call the walk team at 513-636-2941 or email email@example.com.


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Our Team Basic long sleeve leotard features a scooped front and back with a traditional lower ballet leg line. A classic look for class, costume, liturgical, and just a basic for outerwear. Excellent value for a high quality, soft, double-stitched spandex infused garment.
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This activity has GetYourGuide's stamp of approval! Exceptional customer service, knowledgeable staff, and a great time guaranteed.
Likely to sell out
Rio Carnival on Samba Avenue With Transport
Duration: 10 hours
Feel the rhythm of Rio Carnival and watch the spectacular Carnival samba schools parade down Samba Avenue. Experience a riot of colorful costumes and…


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At some point in your life, you were told, "Chase your passion." According to Eat, Pray, Love author Elizabeth Gilbert, not everyone knows how to answer that command. Elizabeth reveals the two types of passion-seekers, and why some people are better off exploring than chasing.
Watch Elizabeth Gilbert's SuperSoul Session: Flight of the Hummingbird – The Curiosity Driven Life
Tune in for SuperSoul Sessions Sunday, December 20, at 8/7c.


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Jewish Buildings and Cemeteries: A Guide to Visual ...
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You are searching for
Motels for Sale in South Toowoomba, Queensland 4350
Toowoomba QLD - Southern Region
Brand new Motel being offered for lease at completion 32% ROI estimated - CRE Ref# 30990L (Under Contract / Under Offer)
CRE Brokers are proud to have been appointed as exclusive Agents to market this brand new property in Toowoomba. The Altitude Motel and Apartments will be c...
Toowoomba QLD - Southern Region
Motel Lease Toowoomba - CRE Ref# 30922L (Under Contract / Under Offer)
This Leasehold Motel offers a proven long term trading record with repeat clientele and a turnover consistently in the $400k's. It offers 13 units, is close ...
Toowoomba City QLD - Southern Region
Reduced $665,000 Leasehold
1993ML - Leasehold Motel, 15 rooms, Proven Performer, Excellent Return
Consistent high performing business in Toowoomba.Showing continuously high occupancy.Ideal first time motel business.Perfectly located on very busy arterial ...
Gatton QLD - Southern Brisbane
Leasehold $775,000
Strong Trading History and a Long Lease - 31289L
This Motel is situated in the heart of the CBD with 20 rooms of various configurations. The large 4 bedroom residence will comfortably suit an extended fami...
Leon Christiansen
Gatton QLD - Southern Brisbane
$775,000 Leasehold
2473ML - Leasehold Motel, Long Lease, Proven Performer 1hour from Brisbane
20 room motel - No restaurant.Located in Lockyer Valley - the Salad bowl of Queensland.Consistent performer with heaps of repeat business.Walk to all ameniti...
Gatton QLD - Southern Brisbane
Solid Established Income Investment with Upside - CRE Ref# 31197
ENTIRE APARTMENT BLOCK Outstanding opportunity to acquire an entire apartment block one hour from Brisbane: * 10 x 2 bedroom 2 bath and 2 x 2 bedroom 1 bat...
Craig Clark
Pittsworth QLD - Southern Region
* Room for expansion * Great lifestyle country motel plus residence * Own a Business in one of the best country towns in QLD * 9 Rooms plus residence ...
Peter McNeil
Pittsworth QLD - Southern Region
$545,000 wiwo Freehold
2457MF - Small Freehold Motel with Large Home
9 room Freehold Motel in the centre of a small country town on the Darling Downs, Lovely home with a motel business to generate income, Very easy to oper...
Crows Nest QLD - Southern Region
$1,200,000+sav Freehold
2467MF - Freehold Motel, Wonderful Lifestyle with Income
Excellent 12 room freehold motel with good solid income.A beautiful low set four bedroom home with a fantastic kitchen every motelier would love.Situated in ...


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Back in 1984, Tom Frampton founded Fanimation in his garage in Pasadena, CA, with three ceiling fans. Today, based in Indianapolis, IN, Fanimation currently offers a range of more than 60 ceiling fans, table fans and floor fans. All employ the latest motor technology on the inside and distinctive designs, blade shapes and materials on the outside.
The CW2 Wall Control is available with the following:
- Fan and light slide control
- 3 fan speeds
- Infinite light levels
- 2-wire installation
- 1.25 amp max. fan load
- White finish
- UL Listed
- Made In China
- Fixture Length 0.35", Width 2.76", Height 4.72":
Manufacturer IDs: view
Need help with some of our terminology? Check out Lumens' Lighting & Design Glossary.
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The Emerson Fans Four-Speed Wall Control with Receiver gives you convenient access to your Emerson ceiling fan. It includes a transmitter and a canopy mount receiver which work in tandem from distances up to 30 feet. The transmitter has four ...
The Emerson SW605 Wall Control is a 6-speed LED wall control. Features a full range light dimmer with independent uplight-downlight operations. Has a one-touch reverse and includes Clear, light almond and ivory switch cover plates. For use with selected Emerson ...
The Minka Aire Wall Control WC212 features 3-speed forward/reverse fan control as well as on/off and dimming control. Operates at a distance of 40' from the fan. An up/downlight control operates independently of the dimmer and fan speeds.


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Soulitude by the Riverside Hotel
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Wego searches multiple travel sites so you can find and compare the best rates.
Soulitude by the Riverside Hotel Hotel Reviews
Based on reviews from across the web.
Soulitude by the Riverside Hotel Hotel Details
Check-in: 2 PM
Check-out: 10 AM
Property Location With a stay at Soulitude by the Riverside in Nainital, you'll be on a river and close to Nainital Lake. This resort is within the vicinity of China Peak and Ghorakhal Temple. Rooms Make yourself at home in one of the 7 guestrooms. Conveniences include coffee/tea makers, and rollaway/extra beds can be requested. Rec, Spa, Premium Amenities Take in the views from a garden and make use of amenities such as complimentary wireless Internet access and a fireplace in the lobby. Additional amenities include a television in the lobby and a picnic area. Dining Enjoy a satisfying meal at a restaurant serving guests of Soulitude by the Riverside. For your convenience, a complimentary breakfast is served daily. Business, Other Amenities Featured amenities include express check-in, express check-out, and a library.


text:
Fextiva maxima is an old one, but one of my favorites. I hope it will grow
for you. Peonies are one reason I could never consider living in the deep
south again - and lilacs. My grandmother was born in New York state and the
family moved to Florida when she was about eight years old. She never stopped
wishing for lilacs. Many times she described them to me and told me how
fragrant they were. I used to send her gift plants of the Persian lilac that was
supposed to survive there, but she always said "They're just not the same."
In a message dated 05/15/2004 9:09:25 PM Eastern Daylight Time,
email@example.com writes:
> Festiva maxima, Big Ben, and a pink on that I can't remember the name of.
> Apparently, we have to plant the early flowering ones as the rest will not
> make it.
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Hotels in Eagle River
Hotel reservation
United States
Eagle River
Hotel rooms in Eagle River
There are not so many hotel rooms in Eagle River, just 1, still everyone can find an offer to suit his choice. The most common offers in this city are apartments, they count 1 out of 1, and their prevalent location is central district. According to our practice, it is the most profitable to book a hotel in the west of Eagle River, as it is the location of the hotels with optimal cost and quality offers along with the cheap hotels. Taking into account the small size of the city, there is no need to dwell hotel reservation on the location: the road to the city center would take less then half an hour, so one can book a hotel in any district of Eagle River. The most populated with hotels district of Eagle River is the north, 100% of cheap hotel rooms are concentrated here. Eagle River is an ideal place for family and couple, such travellers rate hotels there 5.6 out of 10 on average. Apart from all these, hotels in Eagle River offer their customers laundry service, pets allowed, business centre and 24 hours front desk service. The most appreciated amenities in Eagle River hotels are location and service. According to the visitors reviews, hotels in Eagle River has fantastic service and great location. Take a look at our selection of the cheap hotel rooms in Eagle River to make a well-informed choice for your reservation!
Eagle River cheap hotels
Eagle River
All cheap hotels in Eagle River
Best hotels in Eagle River
Hotels in Eagle River are spread around the city within the distance of 2 kilometers. The most popular accommodations in Eagle River is
Eagle River Microtel
located in a 2 kilometers from the city center.
The best hotels are here and now. Try them!
All cities in United States


text:
I'm studying Electrical engineering at Gdańsk Institute of Technology, and I'm 21 years old.
I love anime since 2006 or something around. I think watching it is the best way to relax and forget all Your problems. Maybe it's just me, but i think all these comedy and ecchi animes are best for chill out. Of course i like other genres as well, but some of them aren't made for chill out. For example Higurashi series is one of the best i've ever watched, but it was so good and interesting, i was sitting on my chair and watching it ep by ep and being so excited. You all know what i mean! :)
I haven't read any manga yet, but i'm thinking to start some... but don't know what to start with ;]
I hope to meet some great people here, so don't be shy, just comment me :)
Waiting for some good propositions connected to my Want to Watch list.
5,684 total episodes
yea i may have all the time in the world to but my sisters kids kep terning the power off so its a pain i cant watch what i want im stuck watching stuff on youtube from my phone most of the time so i can somewhat realate
Hey hey,
I'm the same.. I dont have much time to watch what I would like to, and then when I do have time it's so hard to choose!
Aha I think living in the anime world would be super fun! Everyones so Cute ^_^ and well.. different! Interesting is the right word I guess (:
Im goood, how are you Paul ?
I hope we can get to know each other a lil better (:
Nice range of anime ^_^
Hi, what up?
Sorry we haven't talked sooner haven't been on in some time, been busy. If you like Eureka Seven: Pocket Full of Rainbows try Koukyoushihen Eureka Seven.
Ps. Do you want to be friends.


text:
Kevin Doyle has challenged Wolves to repeat the level of performance which enabled them to topple a quartet of the Barclays Premier League's leading sides last season when they visit Chelsea tomorrow.
Striker Doyle and his team-mates defeated the Blues and the two Manchester clubs at Molineux as well as winning against Liverpool at Anfield to help ensure top-flight survival.
Chelsea have lost three of their past four league games and hopes of Champions League qualification are in the balance.
But Doyle knows fourth-from-bottom Wolves will have to be at their best if they are to increase the pressure on Chelsea boss Andre Villas-Boas.
Doyle, who is expected to shake off a knock to his knee to play, said: "It will be difficult but we've got a reasonably good record against the top sides.
"It is games like this, when people least expect us to get anything, that we sometimes pick something up.
"I don't think we've ever been overawed by this sort of challenge. More often than not we've actually risen to the challenge and perhaps played better than normal.
"We've all been involved in plenty of games with the top teams. I'm sure we all feel reasonably equal against them even though we know they have got quality players.
"I think a team like us can beat one or two of the top sides in a season if we play as we can."
Doyle hopes Wolves can capitalise on Chelsea's current stuttering run of form as he looks for his first tangible success at Stamford Bridge.
He said: "I've not had much joy down in Chelsea in the two seasons with Wolves and before that with Reading.
"But, as they've been in the top two for the last few seasons, there's no surprise there.
"It will be difficult but they've not been on the best of runs although I am sure they could be saying the same thing about us.
"We'll just have to play as well as we can and see what happens. If we can start the game well and put them under a bit of pressure and frustrate them, it gives us a chance.
"We did well there last season and I think it was the best I've felt that a team I've been involved with has played there.
"I remember they said themselves that at that stage we'd been the best team they'd faced at their place in the season. But we still got beat 2-0."
Wolves boss Mick McCarthy will have to make three changes with midfielders Jamie O'Hara and Stephen Hunt suspended and full-back Richard Stearman ruled out with a broken wrist.
Matt Jarvis, Adlene Guedioura and Ronald Zubar are poised to replace them with the latter returning after nine months out of actions through injury.
But Doyle believes Wolves' slide down the table means no-one is guaranteed to play.
He said: "It gives a chance to three lads who have been injured or for whatever reason haven't been playing.
"With the run we've been on I don't think anyone is massively staking claim to their own place, including myself.
"All of us are susceptible to be dropped on recent results and, for those coming in, if we get a result then it gives them a chance because positions are open."
Doyle is often employed as the lone striker but is content to play in whatever system is demanded of him by McCarthy.
He said: "I've played a lot of my career in a 4-4-2 but have also had a lot of success at Wolves when we've gone 4-5-1 or 4-3-3.
"I've enjoyed both and am happy with both."
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OIG assessed FHFA's oversight of Fannie Mae's and Freddie Mac's (the Enterprises) monitoring of their counterparties' compliance with their contractual agreements, with an emphasis on their compliance with federal consumer protection laws.1 Counterparties include entities that sell mortgage loans to or service them for (e.g., collect payments for) the Enterprises. When they work with the Enterprises, counterparties contract, among other things, to follow federal and state laws that govern originating and servicing mortgage loans. However, OIG found that FHFA does not thoroughly oversee how the Enterprises monitor counterparties' contractual compliance. Specifically, FHFA does not examine how the Enterprises monitor compliance with consumer protection laws, and, indeed, OIG determined that the Enterprises do not ensure that their counterparties' business practices follow all federal and state laws and regulations designed to protect consumers from unlawful activities such as discrimination.
According to FHFA officials, it relies upon other federal regulatory agencies that are responsible for enforcing laws that protect mortgage borrowers. For their part, the Enterprises actively focus on counterparty compliance with these laws primarily where they may face legal liability for their counterparties' noncompliance (e.g., predatory lending). Otherwise, the Enterprises rely on their counterparties' self-certified compliance and informally monitor federal agencies' enforcement activities.
1 The Enterprises' counterparties' obligations to abide by federal and state laws and regulations, such as consumer protection laws, do not derive solely from their contracts with the Enterprises. These contracts merely reiterate the counterparties' existing legal obligations. Thus, OIG selected consumer protection laws for emphasis herein because the Enterprises have no ability to waive the application of consumer protection laws and regulations, whereas they freely can waive many other provisions of their contracts (e.g., underwriting standards). See OIG, FHFA's Oversight of Fannie Mae's Single-Family Underwriting Standards (AUD-2012-003, March 22, 2012).
Multiple federal consumer protection laws apply to residential mortgages. For example, entities that originate mortgages must follow the Fair Housing Act, the Equal Credit Opportunity Act, and the Truth-In-Lending Act. (Appendix D describes examples of these laws in more detail.)
Historically, federal banking regulators such as the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation enforced these laws. Recently, however, the new Consumer Financial Protection Bureau (CFPB) has taken on much of this responsibility under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act),9 enacted in July 2010.10 As a result, federal regulators have begun to collaborate to protect consumers by entering into agreements with CFPB to coordinate key aspects of supervision, such as sharing information and avoiding contradictory directives.
FHFA officials have indicated that the agency is considering how to coordinate with other regulators in light of its responsibility to make sure the Enterprises' work is consistent with the public interest.11 The agency, however, has not actively supervised the Enterprises' oversight of counterparties' contractual compliance with federal consumer protection laws.
FHFA has begun to put together a plan to address its role in overseeing the Enterprises' oversight of their counterparties' compliance with federal consumer protection laws. Recently, FHFA has begun to take steps to work with federal regulators responsible for supervising and regulating counterparties that sell mortgages to the Enterprises. For example, the agency has developed an information-sharing agreement with regulators in the consumer financial market, such as the Federal Reserve Board and the Office of the Comptroller of the Currency. In addition, agency officials have met with specific regulators, such as the Federal Deposit Insurance Corporation. FHFA is determining how best to coordinate with these agencies to further its mission, but has not specifically addressed its role in monitoring the Enterprises' oversight of their counterparties' compliance with contractual provisions requiring adherence to consumer protection laws.
Going forward, such interagency coordination may be helpful in formulating a risk-based plan to assess how the Enterprises monitor their counterparties' contractual compliance with federal and state laws generally and with consumer protection laws in particular.
FHFA should develop a risk-based13 plan to monitor the Enterprises' oversight of their counterparties' compliance with contractual representations and warranties, including those related to federal consumer protection laws.
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Columbia is a town located in the Sierra Nevada foothills, in Tuolumne County, California, United States. It was founded as a boomtown in 1850 when gold was discovered in the vicinity during the California Gold Rush, and was known as the "Gem of the Southern Mines."
The town's historic central district is within Columbia State Historic Park, which preserves the 19th century mining town features. The U.S. historic district is a National Historic Landmark and on the National Register of Historic Places
SchoolDigger Performance Ratings provide an overview of a school's test performance. Based on a scale of 0-5.
Niche Review Ratings are the overall ratings that are provided by either a Parent/Guardian, Teacher, Staff, Administrator, Student or Former Student. Based on a scale of 1-5.
Population, household and median age statistics are based primarily on the 2010 US Census data projected forward to the present day.
Paragon Real Estate Group agents: Share this page on your Facebook or other social networking
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text: Posted June 1, 2009 Well, the casting shuffle has again resulted in changes. I just checked the ABT website. Steifel is out of Prodigal for the entire week. Herman Cornejo will dance with M. Wiles tonight and for the rest of the week in Prodigal. Dvorovenko will dance prodigal with Simkin!! (The Corella/Boone Prodigals have not changed, except for the fact that they are not performing tonight, June 1).Steifel is still listed for next week's Giselle with Osipova. They have also changed the program order: Prodigal/ Desir/ Dneiper Share this post Link to post