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Identification and construction of the study cohorts. Patients were selected from the first quarter of the 1997 Medicare hospital discharge database and represent patients 65 years or older. Community-acquired pneumonia (CAP) was defined using International Classification of Diseases, Ninth Revision, Clinical Modification codes as either pneumonia listed as both the admission diagnosis and a discharge diagnosis or pneumonia listed as a discharge diagnosis coupled with a pulmonary complaint on admission. We generated a hospitalized control cohort by randomly selecting age-, sex-, and race-matched Medicare patients hospitalized for reasons other than CAP. We determined 1-year mortality from the Medicare Beneficiary Entitlement data file and the Social Security Administration. For both cohorts, we present hospital mortality and postdischarge mortality in separate frames, both of which total 1-year mortality.
Adjusted Kaplan-Meier survival estimates for the community-acquired pneumonia cohort stratified by age (A), sex (B), race (C), and comorbidity (D). Age-stratified survival estimates are presented for patients aged 65 through 69 years, 70 through 74 years, 75 through 79 years, 80 through 84 years, 85 through 89 years, and 90 years or older (top to bottom). We defined comorbidities using Charlson-Deyo comorbidity index. Stratified survival curves for comorbidities were based on the number of underlying illnesses. We adjusted survival curves using a stratified direct adjustment. We used Wilcoxon (Breslow) statistics for stratified analysis to assess differences in survival. Older age, male sex, black race, and number of comorbid illnesses were associated with increased mortality (P<.001 for all comparisons).
Unadjusted and comorbidity-adjusted Kaplan-Meier survival estimates for age-, sex-, and race-matched cohorts of elderly patients hospitalized with community-acquired pneumonia (CAP) and for reasons other than CAP. Comorbidities were defined using the Charlson-Deyo comorbidity index. Unadjusted (A) and comorbidity-adjusted (B) survival estimates are presented for CAP patients and hospitalized controls. Expected survival in an age-, sex-, and race-matched US population is presented as a dotted line and was generated from US life tables. Unadjusted and comorbidity-adjusted 1-year mortality was higher for CAP patients than for hospitalized controls (P<.001).
Kaplan V, Clermont G, Griffin MF, Kasal J, Watson RS, Linde-Zwirble WT, Angus DC. PneumoniaStill the Old Man's Friend?. Arch Intern Med. 2003;163(3):317-323. doi:10.1001/archinte.163.3.317
© 2017
Hospital mortality of patients admitted with community-acquired pneumonia (CAP) has been well described. However, the long-term survival of those discharged alive is less clear. We sought to determine long-term survival of patients hospitalized with CAP and compare the outcome with controls hospitalized for reasons other than CAP.
We performed a matched case-control analysis using the Medicare hospital discharge database from the first quarter of 1997. We compared all Medicare recipients 65 years or older hospitalized with CAP and controls matched for age, sex, and race hospitalized for reasons other than CAP. We measured 1-year mortality determined from the Medicare Beneficiary Entitlement file and the Social Security Administration.
We identified 158 960 CAP patients and 794 333 hospitalized controls. Hospital mortality rates for the CAP cohort and hospitalized controls were 11.0% and 5.5%, respectively (P<.001). One-year mortality rates for the CAP cohort and hospitalized controls were 40.9% and 29.1%, respectively (P<.001). One-year mortality rates in hospital survivors of the CAP and control cohorts were 33.6% and 24.9%, respectively (P<.001). The difference in mortality between the CAP and control cohorts was not explained by underlying disease. Standardized against the general population, the risk of death for both cohorts decreased monthly but was still elevated 1 year after hospital discharge. The standardized mortality ratio was 2.69 (95% confidence interval, 2.47-2.93) for CAP patients and 1.93 (95% confidence interval, 1.79-2.08) for hospital controls.
Almost half of all elderly patients admitted for CAP die in the subsequent year, with most deaths occurring after hospital discharge. The mortality is considerably higher than that of either the general population or a control population hospitalized for reasons other than CAP.
SIR WILLIAM OSLER pointed out more than 100 years ago that pneumonia was a frequent, nonpainful, lethal event in elderly patients.1 With advances in care, pneumonia no longer seems to portend such a poor prognosis. Many patients with community-acquired pneumonia (CAP) do not require hospitalization, and most who are admitted to the hospital survive to discharge. Nevertheless, CAP remains common and is still one of the leading causes of hospital admission and death throughout the world, including the United Kingdom2 and United States.3 Key risk factors seem to be advancing age and underlying disease.4- 16
Less clear, however, is the subsequent fate of those who survive a hospitalization for CAP. Brancati et al17 reported that 1 in 4 hospital survivors of CAP died in the following year. They found that underlying disease was the major risk factor for mortality, whereas age was not an independent predictor. They concluded that CAP was no longer "the old man's friend." However, this study and others18,19 were of small sample size and often lacked control groups, potentially limiting their generalizability. Better information regarding the long-term outcome of patients surviving CAP would help in our understanding of this disease and aid clinical management and patient counseling.
We conducted a retrospective cohort study in the elderly US population to determine the 1-year all-cause mortality of patients hospitalized with CAP. We compared the outcomes of CAP patients with an age-, sex-, and race-matched cohort of control patients hospitalized for reasons other than CAP. We also compared survival in both the CAP and control cohorts to an age-, sex-, and race-matched general population.
We analyzed data from the first quarter of the 1997 Medicare hospital discharge database (MedPAR, Health Care Financing Administration, Washington, DC). MedPAR contains records of all US hospital discharges at nonfederal hospitals for Medicare enrollees. For each discharge, we selected age, sex, race, admission, and discharge diagnosis codes (International Classification of Diseases, Ninth Revision, Clinical Modification [ICD-9-CM]),20 length of stay, discharge status, and admission to day of death. We used US life tables to generate age-, sex-, and race-specific death rates.21
We selected all patients 65 years or older who were hospitalized in acute care hospitals with a diagnosis of CAP. We defined CAP as either pneumonia (ICD-9-CM codes 481, 482, 485, or 486) listed as both the admission diagnosis and a discharge diagnosis or pneumonia listed as a discharge diagnosis coupled with a pulmonary complaint on admission (respiratory failure [518.81], chronic obstructive pulmonary disease [496], respiratory abnormality [786.09], complicated chronic obstructive pulmonary disease [491.21], food/vomit pneumonitis [507.0], acute bronchitis [466.0], asthma without status asthmaticus [493.90], hemoptysis [786.3], or other pulmonary insufficiencies [518.82]). Patients transferred from other hospitals were excluded because we were not able to differentiate CAP from nosocomial pneumonia (n = 7300). However, we did not exclude nursing home residents from the analysis, a population included in the most recent official statement of the American Thoracic Society.22
For each patient hospitalized with CAP, we randomly selected 5 age-, sex-, and race-matched controls from the same MedPAR database who did not meet the ICD-9-CM codes–based criteria for CAP.
We classified patients by demographic characteristics (age, sex, and race) and underlying illness according to the Charlson-Deyo comorbidity index (a measure of chronic illness derived from the presence of specific ICD-9-CM discharge diagnosis codes).23
We determined hospital mortality from the MedPAR discharge status. We determined 1-year mortality from the admission to day-of-death field. Admission to day of death specifies the number of days from the beneficiary's hospital admission to the day of death and is entered into MedPAR based on data from the Medicare Beneficiary Entitlement file and the Social Security Administration. This field showed a high internal consistency with the length of stay for patients who died in the hospital (Kohen κ, 98.6; 95% confidence interval, 98.4-98.8). Because we did not have unique patient identifiers in the MedPAR data set, we were concerned about double counting deaths due to multiple admissions. Therefore, to explore this further, we conducted an analysis of the California hospital discharge data set,24 which includes unique patient identifiers. Among Medicare patients with CAP in this data set, only 3.5% were readmitted to the hospital within 3 months of discharge. Therefore, the maximum rate of double-counted deaths was 0.035 per death.
Our primary outcomes were time to death from hospital admission for all patients and time to death from hospital discharge for hospital survivors. We calculated postdischarge survival by subtracting length of stay from admission to day of death for hospital survivors. We generated monthly risks of death after hospital discharge for CAP patients and hospital controls from the number at risk at the beginning of each monthly interval and the number of deaths observed during this period. We determined standardized mortality ratios for the 1st, 3rd, 6th, and 12th months after hospital discharge by totaling the observed number of deaths for each month after hospital discharge and dividing by the expected number of deaths for the same period calculated from age-, sex-, and race-specific death rates using US life tables.21 We reported baseline characteristics as proportions and compared them using Pearson χ2 statistics. We determined independent predictors of hospital mortality by logistic regression. We computed survival estimates using the Kaplan-Meier product limit method.25 We considered the death of individuals after the end of the follow-up period as censored observations. We performed a stratified direct adjustment for age, sex, race, and comorbid illnesses as appropriate.26 We used Wilcoxon (Breslow) statistics to assess differences in survival. We assumed a significance level at P<.001 because of the large sample size. Data were managed using Visual FoxPro statistical software (Microsoft Corp, Redmond, Wash) and analyses conducted using Stata statistical software (Stata Corp, College Station, Tex).
We identified 161 164 elderly patients hospitalized with CAP. We excluded 2204 patients from analysis because of missing or corrupted data (Figure 1). Characteristics of the remaining 158 960 elderly patients are provided in Table 1. Pneumonia was diagnosed at both admission and discharge in 81% of the study cohort. Those who had a pulmonary complaint at admission and pneumonia recorded at discharge had similar baseline characteristics and outcomes to those who had pneumonia recorded at both admission and discharge (data not shown). More than 40% of the CAP cohort was 75 to 84 years old. There were slightly more women than men (P<.001). Almost 90% were white and 8% were African American. More than two thirds had an underlying disease, with chronic pulmonary disease and cardiovascular disease reported most commonly.
The hospitalized control cohort consisted of 794 333 age-, sex-, and race-matched, randomly selected Medicare recipients admitted to the hospital for reasons other than CAP. Characteristics of the control cohort are provided in Table 1. Hospitalized controls had lower rates than CAP patients of chronic pulmonary disease and chronic cardiovascular disease but higher rates of diabetes mellitus and malignancies. Other significant differences were small. Overall, 69.2% of the CAP patients and 63.4% of the hospitalized controls had one or more underlying illnesses.
One of 10 CAP patients died during hospitalization (Table 2). Hospital mortality increased with age and the number of comorbid illnesses. The highest hospital mortality was found in patients with renal disease, liver disease, and malignancy. Hospital mortality was higher for men and African Americans (P<.001). Using logistic regression, advanced age, increasing number of comorbidities, male sex, and black race were all independent predictors of hospital mortality (P<.001).
Hospital mortality for controls was half that for CAP patients, both overall and across most age-, sex-, race-, and comorbidity-specific subgroups (Table 2).
One year after hospital admission, mortality for all CAP patients was more than 40% (Table 2). One-year mortality doubled with age from one third for patients 65 to 69 years old to almost two thirds for patients 90 years or older. One-year mortality increased with the number of comorbidities and was twice as high for patients with 3 or more comorbidities compared with patients with no comorbidity. One-year mortality rates of more than 50% were observed in CAP patients with metastatic solid tumors, other malignancies, renal disease, liver disease, and neuropsychiatric disorders (Table 2). After adjusting for age and comorbidity, mortality was higher in men (44.1% vs 35.3%, P<.001) and in the African American population (43.2% vs 39.0%, P<.001) (Figure 2).
One year after hospital admission, mortality was more than 10% lower in hospitalized controls than in CAP patients (Table 2). One-year mortality in control patients increased with age and the number of comorbid illnesses similar to that of CAP patients, but an absolute mortality difference of more than 10% was observed across most age-, sex-, race-, and comorbidity-specific subgroups (Table 2). The differences in 1-year mortality for CAP patients and hospitalized controls persisted after adjusting for comorbidity (40.4% vs 29.2%, P<.001) (Figure 3).
Mortality rates for the 1st, 3rd, 6th, and 12th months after hospital discharge for hospital survivors of the CAP and control cohorts are provided in Table 3. Within 12 months of hospital discharge, 1 of 3 survivors of hospitalized CAP and 1 of 4 hospital survivors of the control cohort died. After adjusting for comorbidity, 1-year postdischarge mortality rates for CAP patients and controls were 33.6% and 24.9%, respectively (P<.001) (Figure 3). The risk of death decreased during each consecutive month after hospital discharge (Table 3). However, at 12 months after hospital discharge, the risk of death for CAP patients and hospitalized controls remained elevated compared with that of an age-, sex-, and race-matched general US population and was higher for CAP patients than for controls.
We determined 1-year outcome in more than 150 000 elderly Medicare recipients hospitalized with CAP. One-year all-cause mortality was 4 times higher than hospital mortality. One of 3 elderly patients who survived hospitalization for CAP died in the year following hospital discharge. Although a substantial proportion of deaths occurred in the first 3 months following discharge, the increased risk of death persisted for the entire year of follow-up. The magnitude and duration of this effect were not explained by need for hospital admission or comorbidity. To our knowledge, this is the first study to describe long-term survival following hospital admission for CAP on a national level. Our data confirm Osler's notion and show that even today, with many preventive and therapeutic measures, there is a high risk of death during the next few months in elderly patients discharged from the hospital after an episode of CAP.
Our study confirmed a substantial long-term mortality in survivors of CAP as reported in earlier, smaller studies.17- 19 One study of 141 adult CAP patients of all age groups reported a 1-year postdischarge mortality rate of 25%.17 Hedlund et al18 found a 2.5-year postdischarge mortality rate of 21% in 241 patients 18 years or older hospitalized with CAP. A Finnish population-based study followed up 122 elderly patients who survived hospitalization for CAP for up to 9 years.19 Mortality was 19% at 1 year, 32% at 2 years, and 54% at 5 years, and the risk of death remained elevated for the entire follow-up period compared with other elderly inhabitants from the same region.
Our results show that advanced age and increasing number of comorbidities were major independent predictors of 1-year mortality. Contrasting these results and other reports,18,19 Brancati et al17 found that after adjusting for comorbidities, age was not an independent predictor of mortality. A possible explanation for this discrepancy might be the exclusion of nursing home residents, an elderly group likely to die, from the study by Brancati and coauthors.
An advantage of our study is the ability to compare long-term outcome of hospitalized CAP with that of age-, sex-, and race-matched controls hospitalized for reasons other than CAP, evaluating the independent association of CAP with long-term mortality. We believe that considering mortality with and without adjustment for comorbidities is important, since CAP might merely be a marker of underlying illness and not in itself a predictor of poor outcome. However, although 1-year mortality was high in all hospitalized patients, the pneumonia cohort had higher comorbidity-adjusted 1-year mortality than the control cohort, suggesting that CAP's effects on mortality may be independent of the need for hospitalization or underlying disease. Therefore, CAP is either a disease with some unknown long-term sequelae that affect survival beyond the acute episode or a nonrandom disease that strikes a population that is at higher risk of death compared with the general population. Indeed, pneumonia itself might be a more sensitive marker of comorbidities with unfavorable prognosis than commonly used measures based on patient records.
There are important implications from this study. First, long-term survival needs consideration in all CAP patients. It is critical for a patient's prognostication and for family counseling, and it may have important implications for medical decision making, such as whether to continue life support and aggressive medical care. Second, hospital mortality is not an appropriate outcome measure for studies in elderly patients with CAP, since beneficial or detrimental aspects of interventions may not manifest within this time frame. Third, future efforts in the treatment of patients with CAP have to consider the postdischarge period, where most deaths occur. Interventions, such as pneumococcal and influenza vaccination,19 and nonspecific measures, such as regular physical activity and better social support, may improve postdischarge outcome.
Our study was based on administrative data. Such data provide insight into the large-scale effects of disease on the health of a population but lack the level of clinical detail found in prospective clinical data sets. The general limitations of administrative data for research have been well described.27- 31 There are also specific caveats to this study. Previous CAP studies using administrative data selected all patients with a principal discharge diagnosis of pneumonia. To avoid missing patients with pneumonia, we included a pneumonia diagnosis recorded in any discharge field. However, to minimize inclusion of patients with hospital-acquired pneumonia, we also required a diagnosis of pneumonia or a pulmonary complaint at admission. The extent to which this scheme improved the accuracy of diagnosis of CAP is unknown. We may have double counted some deaths in the CAP and control cohorts because of a lack of unique patient identifiers. However, by additional analysis, we estimate that double counting could have inflated mortality rates by a maximum of 1.1% at 12 months and by much smaller amounts at 1 (0.3%), 3 (0.6%), and 6 (0.8%) months. We do not believe that this double counting significantly affected any of our analyses or conclusions. Our results are also limited to patients with CAP who required hospitalization and do not include individuals treated as outpatients.
In conclusion, hospitalized CAP is associated with many deaths outside the time frame normally considered in this otherwise acute disease. As clinicians, we need to consider the effects of CAP on mortality far beyond hospital discharge. The observed high mortality rates are important for prognostication, patient and family counseling, and medical decision making. Improved understanding of the poor long-term prognosis associated with CAP is needed to modify the dismal outcome of this common disease in elderly patients.
Corresponding author and reprints: Derek C. Angus, MD, MPH, Room 604, Scaife Hall, Critical Care Medicine, University of Pittsburgh, 200 Lothrop St, Pittsburgh, PA 15213 (e-mail: email@example.com).
Accepted for publication June 14, 2002.
This study was supported in part by a grant from the Stiefel-Zangger Foundation, University of Zurich, Zurich, Switzerland (Dr Kaplan), and by grant R01 GM61992 from the National Institute of General Medical Sciences, Bethesda, Md (Dr Angus).
This study was presented as a poster at the American Thoracic Society's 97th International Conference, San Francisco, Calif, May 20, 2001.


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A master program may be offered in a variety of different fields, allowing students of almost any subject to enhance their knowledge and improve their credentials. This degree generally takes one to three years to obtain, although requirements may vary.
Those who pursue education as a career will undergo courses that are designed to train future educators. Fortunately, there is a wide variety of courses designed for students who wish to supplement any teaching credentials. These courses are offered at various institutions across the globe.
Education in the United States is mainly provided by the public sector, with control and funding coming from three levels: state, local, and federal, in that order. The common requirements to study at a higher education level in United States will include your admissions essay (also known as the statement of purpose or personal statement), transcript of records, recommendation/reference letters, language tests
Online Masters in Education in USA
Integrating technological insights and groundbreaking research, the M.Ed. in Learning Design and Technology program redefines what constitutes teaching by exploring the way people learn. Educators are transformed into master teachers, ready to connect with today's diverse learners. [+]
The Master's of School Administration (MSA) degree and add-on licensure programs prepare school personnel to become K-12 school principals. Program materials and experiences focus on school leadership, organizational theory, innovation, and best practices. Students work together to apply theories to real situations in schools. [+]
Take your career further, faster, with Walden University's online Education Specialist (EdS) programs. These EdS programs prepare you to pursue new leadership roles while you lay the groundwork to pursue a doctorate [+]
Technology and media are driving a revolution in learning, teaching and training in both the traditional classroom and the corporate learning center. Technology encourages a new way of learning that fosters cooperation, collaboration, problem solving and higher order thinking skills that are valuable throughout life. The William Woods University Master of Education in Teaching and Technology degree will prepare you to stay at the leading... [+]
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The Medical and Health Professions Education master's degree program is designed to prepare educational leaders in various medical and health professions organizational settings. The program will provide advanced education in the areas of learning, assessment, curriculum, instruction, research, evaluation, leadership and professionalism with an emphasis on real-world, practical applications. [+]
The MMUSEd can be completed fully online, with optional on-campus workshops and courses addressing specialized interests. [+]
Master of Music in Music Education
The Master of Music in Music Education can be completed entirely online, with optional on-campus workshops and courses offered to address specialized interests of our students.
The program is designed so students can achieve their academic and career goals on their schedule. The online degree courses mimic the on-campus atmosphere by providing students with a learning environment in which they can collaborate and interact with the professor and their peers.
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The 30-hour Master of Music in Music Education is designed to enhance effectiveness of music teaching and learning by addressing current best practices in music, contemporary issues, modes of inquiry, and advanced competencies in musicianship. Master of Music in Music Education classes are structured in a convenient 8-week format for working adults, and the entire program can be completed in only 24 months.... [-]
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subset: commoncrawl


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So busy lately with Haute & Rebellious getting ready our collection for the week. So many cute styles. We are actually shooting today. I manage to wake up ultra early to be able to write this post. Today is going to be a crazy day no much time for anything just shooting and styling.
Lately it has been raining non stop in LA so I am still wearing big coats and fur jackets. I decided to do a pop of color with this stunning purple fur from Haute & Rebellious. ( 3 years old) But I love pieces that are forward and classic. I love the oversized fit, the color is stunning and the texture is ultra soft and warm. I went for a black base with also a jumpsuit for Haute & Rebellious, Thigh high boots and my favorite Celine Shades you can get a similar pair here.
I accessorized with gold circular earrings. This is the season for geometric earrings so start to you them off.


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Bajaj Auto has reported a 31% higher operating profit due to increased exports but vehicular sales have declined domestically as consumers feel the pinch of higher interest rates
Bajaj Auto, the Pune-based and third largest manufacturer of motorcycles (it also manufactures three-wheelers), posted robust fourth quarterly earnings. It reported 12% y-o-y increase in its net sales, for the quarter ended 31 March 2012, at Rs4,651.44 crore. It was mostly driven by higher export realisations. Exports revenues increased 40% y-o-y, to touch Rs1,477 crore for the quarter ended March 2012. It exported around 3,47,414 vehicles in the quarter, which was 26% higher than the corresponding quarter last year. This helped negate the higher costs incurred during the quarter, which increased on par with net sales. The higher realisation led to swelling of its operating profit by 31% to Rs920.55 crore, which saw its operating profit margins grow by 288 basis percentage points to 19.79%. Its net profit was Rs772 crore for the reporting quarter, down Rs628.39 crore, from Rs1,400 crore when compared to the same quarter last year. However, this is due to an exceptional item the company recorded last year.
Bajaj Auto sells in markets which are seemingly immune to the challenging economic environment, as seen in the western world, namely—Africa and Latin America—where the market profiles are similar to the Indian market. However, it remains to be seen whether it can sustain the momentum going forward as it could be difficult to replicate the success, as global demand is more dynamic and varied than local tastes. In order to gain knowledge in international technologies, the company has tied up with KTM PowerSports AG, an Austrian motorcycle major, by investing 40.87% in the latter through its Netherlands-based subsidiary Bajaj Auto International Holdings BV.
On the other hand, it has disappointed on the domestic front, as it sold 2,602 fewer vehicles in the March 2012 quarter, compared to the corresponding period last year, with 6,69,753 being sold. The quantum of vehicles sold is one of the more broadly used indicators to gauge the economic well-being. Much of vehicular sales depend on external financing, as most middle-class consumers take loans to buy two-wheelers. However, even through the Reserve Bank of India (RBI) had cut interest rates, they are still high enough to warrant consumers to postpone purchase. Therefore, Bajaj Auto has not been an exception to the industry-wide dependence on interest rates.
It has a healthy cash balance, at Rs5,451 crore as of 31 March 2012, which is higher than Rs4,239 crore compared to the corresponding quarter last year. It has even reduced long-term liabilities by nearly 14%, to Rs414.84 crore.
The company has recommended a dividend of Rs45 per share, which works out to a dividend yield of 2.93%, which is decent by today's standards.
According to the company, its motorcycles enjoy a market share of 32%. The company sells motorcycle brands such as Avenger, Pulsar and Discover.
About 2,492 account-holders owing Rs1 crore and above had defaulted in 2010-11 and the total amount to be recovered is Rs25,041 crore
New Delhi: Ruling out any relief to bank loan defaulters owing Rs1 crore and above, the Indian government on Friday said all efforts will be made to recover the dues from such companies and individuals, reports PTI.
Maintaining that the government was under no pressure to waive loans of Rs one crore and above, Minister of State for Finance Namo Narain Meena said in Lok Sabha that no relief will be given to defaulters.
"Recovery is an on-going process. All loans will be recovered," Meena said during Question Hour.
He said 2,492 account-holders owing Rs1 crore and above had defaulted in 2010-11 and the total amount to be recovered is Rs25,041 crore.
Meena said banks were required to monitor non-performing assets (NPAs) and take steps to bring them down through recovery and other channels. RBI also monitors the NPA levels in banks.
"This aspect is reviewed during annual financial inspections and monitored on an ongoing basis through regulatory returns submitted by banks and periodical meetings with banks," Meena said.
The banks are also advised by RBI from time to time to take effective measures to strengthen the credit appraisal and post-credit monitoring to arrest the incidence of fresh NPAs and adopt a more realistic approach to reduce the existing and chronic NPAs in all categories.
Banks resort to write-off only after exhausting all other possible avenues for recovery or when the asset coverage is not enough, Meena said. During FY11, around Rs23,364.62 crore were written off, he added
For the full year to end-March 2012, SBI's net profit increased 41.6% to Rs11,707 crore
New Delhi: Country's largest lender State Bank of India (SBI) on Friday posted net profit of Rs4,050.27 crore in the fourth quarter ended March 2012, against just Rs20.88 crore recorded in same period a year ago, reports PTI.
SBI profits had taken a big hit in Q4 of 2010-11 on account of higher provisioning for bad loans and increased tax outgo.
During the quarter to end-March, SBI said its total revenues rose to Rs33,959.54 crore as against Rs26,536.84 crore in the same quarter a year ago, SBI said in a filing on the BSE.
The SBI Board has proposed a dividend of 350% or Rs35 per share for 2011-12.
For the full year to end-March 2012, the bank's net profit increased 41.6% to Rs11,707.29 crore as compared to Rs8,264.52 crore an year ago. Total revenues, including interest rose Rs1.21 lakh crore against Rs97,218.96 crore in the previous fiscal.
On consolidated basis, profit of SBI Group also rose by 44% to Rs15,343.1 crore for the year ended March 2012 compared to Rs10,684.95 crore a year ago. During the year, total revenues of the group increased to Rs1.77 lakh crore against Rs1.47 lakh crore a year ago period.
Shares of the bank was trading at Rs1,913 a piece, up 3.6% in the afternoon session on the BSE.


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Linfield turn to Glentoran's home ground The Oval for home comfort
Structural damage to the Kop Stand at Windsor Park has led to an ironic twist, with Linfield now scheduled to use The Oval, the home of their bitter rivals Glentoran, as a home ground.
Normally the last place Bluemen would want to consider home, they will be there next Tuesday to watch their team take on champions-elect Crusaders.
With Windsor currently a no-go area due to safety concerns, the Blues have been forced to play their last two 'home' Premiership games of the season at alternative venues.
Last Saturday's meeting with Glenavon took place at the Ballymena Showgrounds and they will now face the Crues at The Oval in a match that was originally due to be played on Saturday, April 4.
Glenavon's Mourneview Park was believed to have been considered, but the Blues were keen for the match to be played in Belfast and, after ruling out surrendering home advantage to the Crues, it was decided that Glentoran's east Belfast home was the best choice.
In order for the match to take place next Tuesday the Irish FA have had to gain permission from Uefa, whose rules ban top flight fixtures in any country from being played at the same time as Champions League or Europa League games.
By the end of the season Linfield will have played their first seven and last seven matches of the campaign away from home.
With the pitch being relaid last summer it wasn't until mid-September that they were able to play at home.
The problems with the Kop Stand were noticed just over two weeks ago, days after Northern Ireland's Euro 2016 qualifier against Finland when the stand was full. The Irish FA is still awaiting a surveyors report into the problems. Next month's Irish Cup Final has already been switched to The Oval.
Belfast Telegraph


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Breckenridge & Boundary Brewing Adding NEW Nitro Series Dry Irish Stout Cans
15 October 2016
Today we get our first peek at a new Nitro Series beer coming from Breckenridge Brewery. This is Dry Irish Stout and it is brewed in collaboration with Boundary Brewing in Belfast Northern Ireland. This nitrogen-charged seasonal release will be packaged in 15.2oz cans (16oz can with a nitro widget) and stay tuned for release details.


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This project is for a thing im doing at school... This classroom will fit 35 kids plus one teacher. It has a seating area, study bar, and 5 dark wood tables... This will cost $3000.00 to all do.
Tags : 1 teacher 21 21 century classroom 35 kids beanbags classroom couch ECC eusd smart class study bar teak teak tables tv stand
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Open Rose Cut Diamond Ring
$ 1,311.00
A toast to bright days ahead, the FUTURES collection brings clear and brilliant light to our opalescent designs. Our signature Open Opal ring is transformed with white rose cut diamonds that glimmer like a body of water. Accented by white pavé diamonds.
Available in solid 14k yellow gold, rose gold, and white gold.
Measurements - Band: Thickness 1.5mm // Gap Width 5mm // Diamonds: Diameter 4mm, 0.14ct each, VS-F/G - Diameter 2mm, 0.02ct each, VS-F/G
Quarter sizes are available! If we do not have your ring size in stock, this item will be made specifically for your order - Please allow 2-4 weeks to produce before shipping. Feel free to contact email@example.com for sizes we have in stock and other special requests!
Please note that this item is final sale.


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Club Description
A. Our purpose is to bring folk and folk-pop music into the larger known sphere of a cappella singing at Brandeis University.
1. This group places an emphasis on good musicianship in all its forms.
2. This is an all female group
B. We do reserve the right to perform novelty acts that do not specifically fall under the category of Folk Music
General InformationWebsite: https://www.facebook.com/pages/Too-Cheap-for-Instruments/43673276896?fref=ts
Contact: Madeline Black
Mailing List: https://lists.brandeis.edu/wws/info/tcfigroupies
Club Status:This is a recognized club. That means that it can use University resources but cannot request funding from the Finance Board.
Club Administrators
Madeline Black- President
Hannah Chidekel- Music Director
Kaija Townsend


text:
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The location of City Cafe is marked on the map below with a green arrow. Click on it to get directions if you don't see a pop-up. Enjoy your meal at City Cafe!
Find out which restaurants and chefs top the list of GAYOT's 2016 Annual Restaurant Awards.


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Pierre Balmain abstract print wrap skirt Size XL | FR 44
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at someone's expense
Definition of at someone's expense
1 : paid for by someone a fancy dinner at my parents' expense a stadium built at the taxpayers' expense The tour is free, but all meals are at your own expense.
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The word "breakthrough" is bandied about a lot when it comes to medical research. But in 2006, researchers at the Walter and Eliza Hall Institute, Australia's oldest medical research institute, believed they were on the cusp of a big one. After years testing thousands of peptides – chains of amino acid units – a team led by immunologist Bob Anderson were confident they had identified the three that make gluten toxic for some people. This discovery, they believed, could be used to develop the world's first vaccine to immunise against coeliac disease.
"This was one of the most exciting projects I have been involved in," says Dr Julian Clark, the institute's head of business development and a veteran of the pharmaceutical industry.
"No one else had done it."
A spin-off company, based in Melbourne, was formed to raise money for early clinical trials, which proved successful. But when it came time to progress to phase two trials, everything came to a halt.
"We just could not raise venture capital here," Clark recalls, the frustration still evident in his voice a decade later.
"This project was perceived as being high risk and too 'out there' to invest in.
"Australian venture capital is not adventure capital."
After a global search, it was decided to continue the trials in Boston in the United States, a booming hub of biotechnology innovation. The intellectual property for the vaccine was rolled into a new US company which soon raised $US20 million, allowing the project to proceed to phase two.
Clark says he hopes the vaccine, known as Nexvax2, will hit the market early next decade.
He says this story – of medical discoveries beginning in Australia but being commercialised overseas – is all too common.
"We are excellent at basic research but then we put it out there and it becomes a free kick for everyone else to use," he says.
"The fundamental issue is that we are just not patenting. Australians are interested in all forms of property except the intellectual kind."
It was because of experiences such as this that Clark took a keen interest in the the Turnbull government's innovation statement released on Monday.
A surprise centrepiece of the package was a new $250 million Biomedical Translation Fund, designed to bridge the so-called "valley of death" between medical discoveries and commercialisation.
Tax changes will also give venture capitalists who invest in start-ups new capital gains exemptions.
Clark is waiting for more detail on how the biomedical translation funding will work. If targeted correctly, he believes such measures could encourage greater Australian investments in projects such Nexvax2.
Long before innovation became a political buzzword, Roy Green was there.
The dean of the UTS business school has been involved in the policy area for more than three decades, including working on major reviews for the Keating and Rudd governments. Over the past 15 years, he says, there have been 60 innovation reports and reviews – and that's just at a federal government level. Yet many don't refer to each other. Governments have repeatedly stormed into the space as if nothing had been tried before, cherry-picking initiatives that suit their ideological or political interests then moving on.
So Green can be forgiven for scepticism when the Turnbull government announced its innovation statement. This was Turnbull's first big policy initiative since rolling Tony Abbott, and there was a lot of hype.
"I was relieved," Green says, when he saw the $1.1 billion package of 24 measures ranging from new money for the CSIRO to relaxed insolvency laws.
As well as the support for investments in start-ups, Green was impressed by measures to encourage universities to work more closely with industry. Under new mechanisms for research funding, equal weighting will be given to research "excellence" and "impact". Publication in books and academic journals is being removed from the funding criteria altogether.
When assessing policy, it's usually a good rule to look past the political rhetoric and focus on the substance. But the experts caution that this rule doesn't hold for the innovation package.
"The statement is just as important for the message it sends as the measures it contains," Green says.
Tech sector pioneer Evan Thornley, who co-founded LookSmart, the first Australian tech company to list on the NASDAQ stock exchange, agrees.
"The most important thing here is not the public policy settings," he says. "It's what Teddy Roosevelt called the bully pulpit: the leadership of the nation finally saying unequivocally that the tech economy and start-ups are critical to the nation's future.
"This will ripple down into many large corporations, superannuation funds, the way media covers the sector and the way young people think about their career futures."
In the weeks before the release of the innovation package, the government appointed Bill Ferris, known as the "father" of Australian venture capital, to chair the Innovation Australia advisory board. In his first interviews in the job, Ferris outlined many policy areas that need reform. But he said the big shift Australia needs is a cultural one: letting go of a "fear of failure" embedded deep in our psyche.
The fundamental issue is that we are just not patenting. Australians are interested in all forms of property except the intellectual kind.Dr Julian Clark, vaccine inventor
The Prime Minister led by example this week by admitting something few politicians ever do: his policies may fail. The government is also unable to say how much the new measures will add to economic growth, or how many jobs it believes they will create.
"One of the aspects of the political paradigm I'm seeking to change is the old politics where politicians felt that they had to guarantee that every policy would work," he said when launching the innovation package.
"If some of these policies are not as successful as we like, we will change them. We will learn from them."
All agree the innovation statement will not, in itself, be a panacea.
CSIRO Staff Association secretary Sam Popovski said: "We're concerned Prime Minister Malcolm Turnbull's definition of innovation may be overly focused on marketing and creating investment opportunities rather than the actual science that should underpin those opportunities. Without the discoveries and inventions that Australian scientists work so hard to deliver, the idea of an Australian 'ideas boom' will ring hollow."
And while the focus on early-stage companies is welcome, Green says existing businesses also need to become more innovative.
Key to this will be overhauling the research and development tax incentive, which makes up about a third of Australia's annual $9.7 billion research spend. A recent report by the Australian Council of Learned Academies criticised the importance placed on the incentive, saying it sprays money around with little strategic direction and no evaluation of whether it is being well spent.
The R&D tax incentive is being examined in the government's separate white paper on the tax process.
"Having a Prime Minister and a minister who are enthusiastic and leading from the top makes you optimistic but we need a lot more," Ferris says.
"Changing the culture of large corporate and academic structures is a big challenge. You can tweak the incentives but there has to be a real will to do it."
Thornley says the real problem in Australia is not government but a lack of leadership in the business sector.
"A terrifyingly small number of Australia's top 50 companies are less than 50 years old," he says.
"Our corporate sector is overwhelmingly concentrated in the domestic services cartels – especially the banks.
"These are highly risk-averse organisations with career structures that reward avoiding risk."
A culture of success by "just not stuffing up", he says, is no longer an option.
With Marcus Strom.


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Woodland Park Zoo features two open-air theaters where guests can have up-close encounters with animals and learn more about the amazing care they and all the animals receive at the zoo.
Learn more about the ambassador animals that star in the programs or find out what programs are available at the theaters today.
Location: Wildlife Theater
The new Wildlife Theater has a new program as well as expanded visitor seating at the former raptor programs location. Guests will still be able to see their favorite birds of prey in the programs, along with many other ambassador animals. Come see these incredible animals showcase their natural behaviors and abilities, and experience the wonder of raptors swooping overhead.
Location: Alvord Broadleaf Theater
Completed in 2016, the Alvord Broadleaf Theater allows visitors an up-close experience with a diversity of animals. After the program, you might get the chance to get your photo taken with a gentle porcupine or offer a treat to an exotic hornbill bird. The theater is located next to Zoomazium.
| Donor Login
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Internet Connection Help?
it's most probably out of range. try setting up your wireless transmitter/receiver near a window
Internet Connection Help!!?
Only if the machine has Wi-fi capability. Though you can buy some cat5 cable (Ethernet cable) from a technical shop and run it to your sons machine. The stuffs pretty cheap now anyway.
Internet Connection - Help?
My experience of Acers is to boot the recovery image.I removed the disk from an old Acer laptop and found the recovery partition was protected , so normally you would not be able to remove and re-...
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got to start thenall programs thenAccessories thenSystem Tools thenSystem RestoreRestore the computer back to the last time it was working correctly.


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- Cvs (orange county,ca/usa)24.Nov 2015
- Employee
Company culture
Assistant managers and supervisors were commending to staff. Manager and above (district management etc) through there treatment of staff got in the way of instilling a work environment of fairness and trust
Support from Management
Upper management not held accountable. Tended to manage employees through the use of derogatory statements, threats and in general fear.
Assistant managers and front line staff generally work well as a team


text:
We lived in Paris when I was 15 and visited the Louvre several times. Like any kid, I was struck by innumerable scenes and images, but clearly the most powerful, dramatic, and effective image for me was the Winged Victory from Samothrace, which stood at the top of a flight of stairs and looked for all the world as if she was flying, or perched on the prow of a ship, represented as the base. A stiff wind seems to ripple through her garments and she seems to push against it, thoroughly embraced by its pervasive touch. She must be enjoying this, I thought, as we would enjoy the swirl of breezes on a boat or during a storm. We are meant to share her exhilarating sensation of sensorial transport.
Of course, she has wings - marvelous, magnificent wings – that look truly as if they could carry her body, as they apparently just have, through the wind, guiding her as she alights on earth, or perhaps on a building, or even a boat. The wings extend out back as her breasts push forward, providing both balance and momentum to the upper torso.
The sculptor uses shadows effectively, enhancing the swirling folds of the garment and the play of light as it ripples across the surface.
She was used as the model for the Spirit of Ecstasy, the Rolls Royce hood ornament.


text:
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link decay.
As such, links may appear that were valid originally, but no longer are.
Images that the Drudge Report links to often expire
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after serveral weeks. You can still click on the link to see if the original image is still available.
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To the Editor:
In his speech to the Veterans of Foreign Wars, Vice President Dick Cheney rewrites history and United States foreign policy when he suggests parallels between Pearl Harbor and his case for a pre-emptive strike against Iraq (''In Cheney's Words: The Administration Case for Removing Saddam Hussein,'' excerpts, Aug. 28).
Historians, he asserts, continue to speculate on ''how we might have prevented Pearl Harbor.'' Yet no historian -- much less a responsible American leader -- has ever before suggested that war with Japan would have been prevented by a pre-emptive attack on Japanese forces or territory.
Princeton, N.J., Aug. 28, 2002
The writer is a professor of history, Princeton University.Continue reading the main story


text:
Muamba - Bolton a great club
Fabrice Muamba has heaped praise on the set-up at Bolton ahead of their clash with Birmingham.
Last Updated: 26/09/09 12:42pm
Bolton midfielder Fabrice Muamba has revealed his delight to be a part of the 'professional' set-up at the Reebok Stadium.
The 21-year-old moved to the Trotters at the beginning of last season after former club Birmingham City were relegated from the Premier League.
And now Muamba admits he is glad to be part of a club that is free of the instability that blighted his time at the Blues.
"You look around and Bolton is a great club," he told the Daily Star.
"Everything about it is very professional. From top to bottom things run smoothly. There is no Mickey Mouse stuff here - it is only proper stuff going on here."
Muamba will clash with his old club on Saturday when Bolton travel to St Andrews hoping to extend their unbeaten league run to three games.
Although he was firm in his desire to leave the club in the summer of 2008, the England Under-21 international says he is looking forward to the return.
"This will be my first return to Birmingham," Muamba added.
"I am looking forward to it and going back to see the boys I used to play alongside, but my main aim is to get three points.
"I never had a problem with anyone there and I was very straightforward when it came to leaving.
"They understood my point and I enjoyed my time there but this is now a different chapter in my life."
Muamba also claimed that the experienced set-up at Bolton is the key difference he sees between the two sides.
He said: "I am surrounded here by people who have been there and done it in the game. While I was at Birmingham it was more inexperienced.
"That is the biggest difference. Some things happen in life for a reason."


text:
This new purpose built library resource centre (LRC) supports a wide range of teaching, learning and study models. As well as quiet areas, there are also areas for discussion, group study and social interaction. Flexible classroom design incorporates state-of-the-art ICT which can accommodate future developments in pedagogy and technology.
Set adjacent to Ealing conservation area in London, Stantec's design for this new building enhances the school campus while remaining sensitive to its urban setting. Elegant with classical proportions and clean lines, the LRC is a catalyst building informing the architectural language of subsequent development. Rainbow stripes of coloured glass create a dynamic and uplifting aesthetic – splashes of colour are constantly in motion, animating the interior areas as the light and weather changes outside. During darker hours, the LRC illuminates the campus by creating a lantern effect as it's lit within. It is a beacon of inspiration for the whole school community


text: To get from Bagheria to Acireale by train you can catch one of the 11 trains that everyday travel between these two cities. The first train to Acireale leaves from Bagheria at 06:19 and the last train departs at 18:00. If you choose a local train the trip lasts on average 03:43 hours. For your trip from Bagheria to Acireale by train you can choose to leave from one of Bagheria main stations: Bagheria On Wanderio you can compare all schedules, fares and railway companies to Acireale and book the best itinerary starting from Bagheria.


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1. In the course of a Top rated Team vs Major Team Game
– If Absent Team give 1/2 On Asian Handicap Odd
– Soccer Pick : Absent Team
2. Odd Movements Changes
– Asian Handicap Odd started from 1/4 to 0 & water fee keeps going up with last odd to 1/4
– Soccer Pick: Reduce Odd Team
3. During a Top rated Team Vs Weak Team Game
– Upper odd is too large if starting Asian Handicap Odd is -1, then drop to -3/4, three hours before kick off.
– Water fee keeps going up 30 mins prior to kick off.
– This analysis shows disadvantage for the leading team.
– Football betting Tips: Weak Team
4. When 1×2 Fixed Odd goes assist Draw Odd, and Asian Handicap Odd is going increase the odd to 1/4. such as: Asian Handicap Odd is (Home) one.025: 0.825 (Away) for 0 odd, on account of far too significant and improve the odd to 0.80 : one.05 with 1/4
– Football betting Tips: Home Team
5. Prime Team is trying to keep the Asian Handicap odd -3/4 with 0.eighty water fee for extensive time
– Free Soccer Tips: Acquire Reverse Team
6. Home Team is great type for recent handful of games, whenever they are vs identical strength team and Odd is 0
– Football Tips: Acquire Reverse Team
7. Prime team are play away game
– Asian Handicap odd is -1/2 with water fee 0.925
– upper odds is as well hefty but the odd continue to remain the same
– Soccer Pick: Home Team
8. Top team are play away game
– Asian Handicap odd is -3/4 with water fee 0.eighty five or earlier mentioned.
– the movement on the water fee are trying to keep up and down just before four hours of kick off
– water fee sudden shifting up just before 30 minutes of kick off.
– Football Pick : Home Team
9. when the early odd is 0 and go to -1/2 prior to 30 minutes of kick off.
– Football Pick: Team which are give odds
10. if 1×2 fixed odd is not considerably movement
– Asia handicap odds is increase as well as water fee will not be comply with the common degree.
– Soccer Pick: Reverse Team
11. if Asia Handicap Odd's water fee is show the "V" chart
– Soccer Pick: Team which eat odds
12: If home team are extremely solid play at home game
– the away team are extremely poor result on away games.
– Home Team Asian Handicap odds is -1
– Pick: Absent Team
13. Top 3 team play with team that happen to be base one or two of table
– if odd is lower than – one 1/2
– Soccer Tips: Reverse Team
14. If Home team's match towards the achievement is just not show gain to the earlier.
– having said that the home team still give odd -1/4
– Soccer Tips: Home Team
15. Ordinarily, the odd up then the water fee also will up,
– when the odd down then the water fee also will down.
– If the odd up plus the water fee is lower
– Soccer Tips: Reverse Team
16. 1×2 Fixed Odd is support odd -1
– Asia Handicap Odd is -3/4 and water fee from middle drop to reduced stage.
– Soccer Tips: Opposite Team
17. 1×2 Fixed Odd is remain and not movement the rate,
– but the Asia Handicap Odd is drop.
– Football Tips: Oppsite Team
18. In the course of a Top rated Team Vs Weak Team Game
– In the event the odd drop and water rate nonetheless remain
– Football Tips: Weak Team
19. All through a Best Team Vs Weak Team Game
– In the event the odd is -1/2 and the water rate is significant level
– Football Tips: Weak Team
20. 1×2 Fixed odd is help -1/4, but Asia Handicap odds is -1/2
– Football Tips: Opposite Team
30 Soccer Tips To Defeat The particular Bookie in Asian Disability Odd
1. In the course of a Top rated Team vs Major Team Game
- Louis Vuitton Damier Mosaique Bracelet
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text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Peter Schuller <peter.schul...@infidyne.com>
|Re: Question about eventually consistent
|Sun, 31 Jul 2011 11:20:58 GMT
> Let's say that I have 2 datacenters, a key is changed on both of my > datacenters in the exact same time (even in 1-2 seconds diff). > > Datacenter #1 remove a column and Datacenter #2 add 2 new columns. > Is there any problem with consistency or Cassandra will handle this > situation easily. Columns are resolved based on the timestamp provided by the client when making the insert or deletion. The exact timing of a request, or whether or not nodes are in different data centers, does not affect this behavior. What your application needs to take into account is that unless you do some kind of co-ordination outside of Cassandra, there will be the potential for multiple clients reading and writing without awareness of each other. Whatever the behavior is, your data model must be such that this is acceptable. -- / Peter Schuller (@scode on twitter)
|View raw message


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Hey everyone! If you haven't already heard, this wiki's fanon newsletter, the The White Lotus Sentinel, has completed its trial run and will now be returning permanently! We really appreciate YOUR articles in the newsletter, but if you aren't a fanon type of guy/gal, you may be interested in our new FILM PORTAL!
That's right! You can now submit articles regarding the film namespace to the WLS! This can mean your opinion on The Last Airbender, your predictions of movies to come, who you want to be casted as Toph in The Last Airbender 2, or maybe even take a guess at the prospects of a Legend of Korra movie!
So what are you waiting for? Get crackin' on your article! When your done you can send them to me via Special:EmailUser/Omashu Rocks.


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Phyllis Avenue, New Malden KT3
£499,950 Asking price
- House
- Bedrooms: 3
- Reception rooms: 2
- Bathrooms: 1
Property features
Property description
A bright and spacious mid-terrace family home located within a popular road of Motspur Park only a short walk from the train station and local amenities.
This property comes complete with double glazing throughout and the potential to modernise and extend (SSTP).
Additional information
- Off street parking
- Double reception room
- Three bedrooms
- Stunning mature garden
- Double glazing
- Gas central heating
- Potential to extend SSTP
- EPC rating C
Local authority
Merton Borough Council
- Motspur Park (0.2 miles)


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Gold Rush
Game Changer
Season 3 Episode 7
Todd finally takes delivery of the Turbo Trommel. Dave's mine at Indian River could close if they can't improve on their disastrous first clean up. The Dakota boys are forced to run second hand dirt. Parker sets a 50-ounce, $80,000 goal for the week.
- 44 min
- Premiered 11/30/2012


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Adrien Broner faces felony assault, robbery charges ahead of title fight
Junior welterweight champion Adrien Broner faces charges of felony assault and aggravated robbery after an incident at a Cincinnati bowling alley in January, police told NBC News.
Police said there are two active warrants for Broner's arrest, both of which relate to the same incident.
TMZ Sports reports Broner allegedly used a gun to rob and assault a man outside the bowling alley after losing thousands of dollars betting on bowling games on Jan. 21.
Broner (31–2) is scheduled to defend his title against Ashley Theophane (39–6–1) on April 1. A spokesman for Spike television network told ESPN the incident was under investigation, and no decision had yet been made on canceling or postponing the fight.
When ESPN asked Broner for comment on the incident, he replied only, "I'm good."


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NEW YORK (TheStreet) -- Citigroup's (C) Mexico unit, Banamex, has been the subject of negative news of late and the importance of the division to the bank's overall operations is not to be underestimated.
Mexico is Citigroup's largest international market, according to a KBW report Wednesday. Since fraud at Banamex was first disclosed by Citigroup Feb. 28, shares are down nearly 2% versus a roughly 6% gain in the KBW Bank Index. Shares were down 1.43% to $47.55 Thursday afternoon, after The New York Times reported U.S. authorities have opened a criminal inquiry into Citigroup tied to the issue.
The fraud involves a $585 million loan Citigroup made to an oil services company called Oceanografia that was secured by accounts receivable from Pemex that turned out to add up to just $185 million instead of the promised $585 million, according to The New York Times' report Thursday. As part of its Feb. 28 announcement of the fraud, Citigroup revised 2013 and fourth quarter earnings downward by $235 million, including a $125 million tax write-off resulting from the loss.
While $235 million is a small number in the context of Citigroup's more than $13 billion in 2013 profits, it may be indicative of deeper cracks within the institution, which is still trying to put itself together after it required a $45 billion government bailout during the financial crisis.
"Mexico is important to Citigroup because Manuel Medina Mora operates out of there and he runs the whole consumer finance business for Citigroup worldwide so if there's real problems in Mexico City it could be well beyond what is happening in just the Banamex operation," said Rafferty Capital Markets analyst Richard Bove in an interview Thursday.


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Report: Red Sox have asked Dodgers about Matt Kemp
Are the Red Sox and Dodgers thinking about another blockbuster? Nick Cafardo of the 'Boston Globe' says maybe.
MORE: FA tracker: position players | FA tracker: pitchers
The Red Sox and Dodgers are no strangers to recent blockbuster trades that involve lots of salary changing hands, so on that front there's this report from Nick Cafardo of the Boston Globe:
The Red Sox are one of several teams who have made inquiries on Dodgers centerfielder Matt Kemp according to a major league source. The Red Sox have probably made a few dozen of these types of calls on trades and free-agents, but Kemp is certainly intriguing.
As Cafardo notes, Kemp is still owed $127.5 million over six years, which, needless to say, is a substantial investment. Presumably, the Dodgers, if they indeed have any interest in moving the 29-year-old Kemp, would need to include a rather large pile of cash in any such deal.
There's no doubting Kemp's skills when he's healthy -- he owns a career OPS+ of 126 and should have been the NL MVP in 2011. However, staying healthy has been a big problem for Kemp since the start of the 2012 season. Given that his injuries are the kind that tend to recurand given the depth and breadth of his contract, he'd be a risky acquisition to say the least. The Sox would, however, be "buying low" in a sense (Kemp played just 73 games last season and batted just .270/.328/.395), and the All-Star-caliber upside is established and undeniable. As well, Kemp, as a right-handed batter with power, would probably find Fenway an accommodating environment for a rebound.
It's merely an informed rumor at this point, but as the mammoth August 2012 trade involving Adrian Gonzalez, Carl Crawford and Josh Beckett proved, Dodgers GM Ned Colletti and his Boston counterpart Ben Cherington are comfortable partnering up for the huge deal.


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On Wednesday, June 25, 2014 from 3p-5p, the Waterville Public Library will host a job fair. Hiring employers will be seeking new employees at this event. 10-20 hiring employers are expected to participate. Job seekers should come dressed professionally with business cards or copies of their resume.
Employers attending will be listed here as they are confirmed:
Tables for hiring employers are available on a first come, first served basis. There currently is no charge for hiring employers to participate in a job fair at the Waterville Public Library. Interested hiring employers should contact Tammy Rabideau at the contact information listed below.
The June 25, 2014 job fair will take place at the Waterville Public Library located at 73 Elm Street, Waterville, ME 04901. This job fair is co-sponsored by the Waterville Public Library Business & Career Center, Kennebec Valley Community Action Program and the Mid-Maine Chamber of Commerce.


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The Faces Behind the Beijing Games
Some of the Games' most impressive achievements come free of charge, courtesy of thousands Olympic volunteers.
82 results for 'biking'. Showing results 55 - 72
Some of the Games' most impressive achievements come free of charge, courtesy of thousands Olympic volunteers.
Today's economic reality is forcing many Americans to change the way they live.
Pastor Bruce Overstreet is riding cross country to help people he's never even met.
With gas prices on the rise, many are getting creative to save gas this summer.
It's fun, it's healthy, and these days it's making more and more sense for the old pocketbook.
He was the baddest racer and street fighter. Yet, Sammy knew about faith and hoped that God had a...
Celebrity fitness trainer Gunnar Peterson demonstrates simple exercises to get you buff.
He lost 138 pounds and started a bike race to support cancer research.
The overwhelming fact is obesity affects your health and your wealth.
Friday is National Bike to Work Day. Every year, more commuters turn out on bikes for the event...
The move toward a greener lifestyle can be an expensive transition. But one Montana couple has proved you can...
Entrepreneurs like Oregon's Jay Graves are not just making sure their bottom line is in check. They're also focused...
Biker Billy Rivers rode the motorcycle gang lifestyle all the way to prison. It was there that he began...
Their marriage was marred with abuse, drugs and alcohol. These wild bikers were on the road to nowhere fast.
Pat Robertson continues his Secret Kingdom series with a teaching on The Law of Greatness and the story of...
American Bikers 'Run to the Wall' for Israel
Eco-Savings: Go Green without Breaking the Bank
Biker Pulled from Burning Wreck Thanks Heroes


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the site.
This step is up to you but will drastically enhance your chances of your profile getting noticed by other daters. Tell people about yourself, your pasttimes and upload any nice photos of yourself.
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text: Ericsson partners with Tishknet to launch first LTE TDD network in Iraq29 Sep 2013 08:21 PM Tishknet will be the first mobile operator to deploy LTE TDD network in Iraq; the launch of the network signals a new partnership between Ericsson and TishknetEricsson has partnered with Iraq's leading internet and communications provider, Tishknet, to deploy the first LTE TDD network in the country. The agreement includes the latest LTE technology with the Ericsson RBS 6000 family of base stations.Also included is Ericsson's evolved packet core network, with evolved packet gateway on the SSR 8000 family of smart services routers. The services will be launched in the north-eastern Kurdistan region, providing an enhanced end user experience and high-speed internet connections to customers Customers in Iraqi Kurdistan, a strong business centre for the international energy industry, will be able to access larger amounts of data efficiency through what is regarded as the most advanced ICT technology available to operators today.Firia Ali, CEO at Tishknet said: "We have pioneered forward thinking technology in Iraq since 2011. Our customers' needs are evolving rapidly and LTE provides them with access to innovative broadband services. The Kurdistan region is one of the country's most active business hubs and we hope to roll out the service across other regions in the near future."Tishknet is a new customer to Ericsson and both companies will work together to establish a long term plan for LTE across Iraq. Tarek Saadi, president of Ericsson's North Middle East Unit said: "The power and success of LTE globally has highlighted the increasing need by the consumer for quick information access. The launch of LTE in Iraq is an indication of the country's ICT sector growth and fast development. We will be working closely with Tishknet to further strengthen our relationship and optimize the benefits of LTE deployment across the country. 4G/LTE is the fastest developing system in the history of mobile communication. LTE offers the capacity and the speed to handle a rapid increase in data traffic.According to the latest Ericsson Mobility Report, there will be 7 billion mobile broadband subscriptions in 2018. 60% of the world's population will have LTE coverage by 2018, which is remarkable growth since its initial launch at the end of 2009.Ericsson has delivered more than 160 LTE/EPC networks worldwide, of which more than 90 have gone live commercially, and has signed contracts with nine of the top ten ranked operators by global revenue 2012. Wireless magazineLeave a CommentPlease write code to prove you're humanMore on... LTE GeneralMWC17: Zyxel to debut new LTE and Wi-Fi indoor gatewayHuawei, Vodafone and Qualcomm create LAA ready networkNokia demos live private LTE network over CBRS shared spectrumMore on... Smart CitiesNokia unveils wireless router for power distribution networks ETSI forms new industry group for smart city solutionsMore on... EricssonMWC17: Ericsson expands 5G access and transport portfolioOperators trial intercontinental 5G roaming using network slicing Latest in LTEMWC17: Zyxel to debut new LTE and Wi-Fi indoor gatewayHuawei, Vodafone and Qualcomm create LAA ready networkNokia demos live private LTE network over CBRS shared spectrum


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Requests for permissions is a place where users may request simple permissions, that will be completed by an administrator or bureaucrat. A user may request the following user rights: rollback, chat operator, or custodian. A list of permissions for each group can be found at Special:ListGroupRights. The numbers next to each position are the number of users already in the group, followed by how many are allowed, not including bots.
- Chat operator (1/1):
On chat daily to weekly.
- Rollback (5/5):
Must have 100+ mainspace edits
- Custodian (3/3):
Must have 150+ mainspace edits Must be active for 2 weeks Must have no block more recent than two months Account must be at least one month old
Please create a level three header with your username as the title, please provide a link to the username in your title. Following the title, please add a sentence or two on why you would like your permission to be granted to you. Please sign your requests. After the steps are completed, an administrator or bureaucrat will complete your request. Requests go after the line below.
Hello. I am PassportPortpass. As of 3/21/17, I have at most 189 quality edits (on this account). I am aiming to become a Custodian, as Trigger009 has been promoted, Oneofthosedf has left the wiki, and Ylimegirl is inactive. I also wish to become a Custodian so I can take care of tasks that administrators don't have the time for. I have been blocked before (on other accounts), but the last block was 2 years ago.
PassportPortpass (talk) 16:01, March 21, 2017 (UTC)


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The Los Angeles City Council has unanimously approved a measure that instructs the Los Angeles Department of Water and Power (LADWP) to come up with an equitable strategy to power the city with 100% clean energy.
With this vote, the LADWP will now convene a collaborative working group to identify investments and priorities for making the full transition to clean energy, says the Sierra Club, which adds that the department will have 90 days to deliver a timeline for the study.
"This is an enormous step forward that will help preserve our environment and lead us to a more sustainable future," said Councilman Paul Krekorian, who co-authored the measure with Councilman Mike Bonin. "For the third year running, Los Angeles was ranked as the most polluted city in the country – which is unacceptable and unhealthy for our families and neighborhoods."
According to the Sierra Club, 17 U.S. cities have already committed to achieving 100% clean energy, including Salt Lake City, San Diego and San Francisco. Internationally, cities including Paris, Sydney and Vancouver have established 100% clean energy targets of their own. In August, the City of Denver similarly announced that it would undertake a study identifying pathways to 100% clean energy.
In a statement, Los Angeles Mayor Eric Garcetti called the city "a leader in the fight against climate change, and we're on our way to a clean energy future."
"The motion passed today will bring more progress toward the goals laid out in my Sustainable City pLAn and the directives I issued to LADWP following the Aliso Canyon disaster – taking action to achieve 50 percent renewable energy by 2030, ending our use of coal five years before that, and working to reduce our dependence on natural gas," said Garcetti. "Environmental stewardship is a value we treasure in L.A., and I'm grateful to Councilmembers Bonin and Krekorian, and the entire city council, for bringing us another step closer to cleaner air, healthier families, and a stronger economy."


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1. What is your personal policy regarding locking your car? I lock it always. I mean every once in a while I forget (like the night before last night). But I try to lock it always.
2. If you had to do it all again would you choose the same career path? Yes. I think I was meant to be doing this for some reason.
3. What is something you hope to do this summer? See another NASCAR race
4. Tell us something you are thankful for right now. My friends and family and my job.
5. Tell us of a book, movie, tv show, webisode, author, CD, musician, comedian or any form of entertainment you have been digging lately. Lately I have been digging memoirs and biographies, the Taylor Swift CD, Grey's Anatomy and Desperate Housewives now that they are back on.
1. When I
fell fall in love I will let you know!
2. May is when the flowers bloom and it heats up outside!
3. Oh no! The internet connection is down, pass me a book.
4. Grey's Anatomy is the craziest tv show ever.
5. Cheese and Chips (nachos) make a great meal!
6. My brother planted a(n amazing) garden.
7. And as for the weekend, tonight I'm looking forward to relaxing, tomorrow my plans include washing the car (I was rained out last weekend) and Sunday, I want to settling in for the race at DEGA baby!


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- Made in the U.S.A
- 82% virgin wool 18% cotton
- Napped and Felt bound
- Cross roads designs
- Size: 64" X 80"
- Twin size
- Double sided
- Dry clean only
The Female Storm design features clouds of cool blues and purples that hover in the sky. A calm, steady rain waters the ground and feeds the lands. Plants, four-legged insects and the Diné beings are nurtured and their thirsts are quenched. Diné (Navajo) artist Gilmore Scott captures the beauty of a female summer rainstorm in this original design for the Pendleton Legendary Collection. Unlike spring's male storms that bring downpours, flash floods and thunderstorms, this gentle summer storm is soft and nurturing. Scott's use of colors is strong and bold, echoing the quiet power of Nature and the brilliant high desert landscape. The artist's philosophy that "beauty is simple design and the harmony of color" is evident in this unique blanket that's woven in our American mills.
Style(s): ZL494-52810
The mill, originally built in 1893, faced increased freight tariffs and the business became unprofitable. In 1895, the scouring plant was enlarged and converted into a woolen mill which made bed blankets and robes for Native Americans. In 1912, the addition of a weaving mill in Washougal, WA, broadened Pendleton's capability for fabric variety, including suitings. Wool shirts for men were largely utility items in the early 20th century. In 1924, the legendary Pendleton virgin wool men's shirt was born.
Pendleton has thrived under the direction of the Bishop family. Today, their sons have assumed management roles in the company. C.M. Bishop III is president and John and Charles are vice presidents. Another son, Peter, is manager of the Catalog/Internet Division. This family thread has continued to produce Pendleton leadership with a legacy of hands-on management for six generations -- warranted to be a Pendleton since 1863.


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Instamatic Mini Art Zines by Silvia Chenault
from the author:
These are beautiful full color mini art zines that are part of an ongoing series. Each one has a theme or subject and are prints of the original collages.
what I love about these zines:
Ummmmm, everything! These teeney-tiny zines are SO pretty. The colour printing is vibrant and the artwork is completely inspiring. This is the kind of zine that will appeal to everyone.


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- Staten Island Ferry
Staten Island Ferry Parking
Carrying passengers from Staten Island to Lower Manhattan since 1905, the Staten Island Ferry has been a cheap and convenient option for many New York City commuters for more than a century. The Staten Island Ferry provides a ferry ride to at least 60,000 people each weekday and provides a perfect non-vehicular mode of transportation, cutting the trip down to 25 minutes versus sitting in horrific New York City rush hour traffic.
With so many people hopping rides on the Staten Island Ferry, finding parking will definitely take double the time it takes for the ferry to traverse the Upper New York Bay. Save both time and money when you reserve your parking with SpotHero. We have many convenient parking options nearby the Staten Island Ferry terminals and will give you a great rate on a guaranteed space. We even have affordable monthly parking options for regular commuters and other with longer-term needs. Search for and reserve cheap Staten Island Ferry parking with SpotHero today!


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