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Iris printer
An Iris printer is a large-format color inkjet printer introduced in 1985 by Iris Graphics, originally of Stoneham, Massachusetts and currently manufactured by the Graphic Communications Group of Eastman Kodak, designed for prepress proofing. It is also used in the fine art reproduction market as a final output digital printing press, as in Giclée.
Prints produced by an Iris printer are commonly called Iris prints, Iris proofs or simply Irises.
The Iris printer was originally developed by Iris Graphics, Inc. originally of Stoneham, Massachusetts, and first shipped in 1985 in the large format 2044 version. The smaller Model 3024 was introduced at the September 1987 "Lasers in Graphics" show in Miami. The company was acquired by Scitex in 1990, which was then purchased by Creo Products Inc. in 2000. In 2005, Creo was purchased by Kodak. The Iris product line evolved into the Veris printer line.
The Iris printer is an inkjet printer designed to interface with digital prepress systems to produce a hard copy that shows what the exact image will look like before the job goes to press. Such prepress output devices are used to check the image and for critical color match on industrial printing jobs such as commercial product packaging and magazine layout. Their output is also used to check color after mass production begins. Iris printers use a continuous flow ink system to produce continuous-tone dot free output. The paper used in the machine is mounted on a drum rotating at 150 inches per second.[1] Unlike most ink jet printers which fire drops only when needed, the IRIS printer's four 1-micrometer glass jets operate continuously under high pressure, vibrated by a piezoelectric crystal to produce drops at a 1 MHz rate. The droplets are given an electric charge so that the ones that are not needed to form the image are deflected electrostatically into a waste system.[1]
Use in fine art reproductions[edit]
Iris printers have also been used since the late 1980s as final output digital printing devices in the production of fine art reproductions on various media, including paper, canvas, silk, linen and other textiles. There were many printers, photographers, artists, and engineers who saw the merit in using this industrial proof printer as a way to produce high-resolution color accurate reproductions. Color engineer David Coons used the 3024 at the Walt Disney Company to print images from Disney's new computer 3D animation system. He also wrote software to print works created on desktop computers such as Sally Larsen 1989 Transformer series, and a 1990 photo exhibition for Graham Nash of Crosby, Stills, and Nash. Nash was so impressed with the quality of the Iris prints, he purchased his own Iris Graphics 3047 ink-jet printer for $126,000 to print further editions of his work and eventually set up Nash Editions, a digital reproduction company based on the Iris printer.[2] There were many problems with adapting the Iris printer to fine art printing including modifying the machines to take heavy paper stock and dealing with the poorly fade-resistant (fugitive) nature of the inks.[3]
Because of the Iris printer's connection to digital, ink-jet industrial and home/office printing, one of the print makers at Nash Editions, Jack Duganne, thought such terms might have bad connotations in the art world. He came up with a neologism for the process, the coined name "giclée". Similarly, Nash and Mac Holbert, manager of Nash Editions, came up with the name "digigraph" for this type of print.
In the 2010s the Iris printer was for the most part superseded in the fine art printing business by Epson and other large-format printers that are much cheaper than the Iris and use inks designed to be archival.[1][4]
- ^ a b c An overview of large format color digital printing, by Q.-Tuan Luong
- ^ stansherer.com - "Digital Fine-Art Printing Comes of Age" (adapted from Chapter 1 of Harald Johnson's book, Mastering Digital Printing (2nd ed.), Thomson Course Technology PTR, 2005, ISBN 1-59200-431-8.)
- ^ photography.org - The Center for Photographic Art, Interview, Mac Holbert, September 2004
- ^ gicleedirectory.com - Giclee Printing Industry


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Our friendly cabin crew is always on hand to ensure your child settles in comfortably. Travel stress-free.
Flying with children or arranging for their independent travel? Here is a guide on the special services we have for young flyers and how to make arrangements for them.
If your child is travelling alone, our Special Assistance Crew is on hand to provide friendly reassurance and guidance. We have special programmes for unaccompanied young passenger (UYP), which refers to a child who has reached the 5th but not the 15th birthday and is not accompanied by his/her parents, guardians or a passenger aged 18 years or more.
If there is a long wait before boarding, your child is invited to relax and enjoy some light refreshments at the Malaysia Airlines Special Assistance Lounge. When it's time to board, they will be accompanied to the boarding gate and handed over to the cabin crew, who will make sure they are comfortably settled in.
On arrival, our staff will accompany your child through immigration and baggage collection, before handing your child over to the appointed guardian at the arrival gate.
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There's a lot to see and do on board an MH flight. Our Audio Video On Demand (AVOD) system, available on selected aircrafts, offers a selection of movies, cartoons and games that will keep your kids busy and entertained.
For those who love to read, complimentary Care Bears storybooks or activity books are also given to those aged between three to 10.
If you are travelling on a flight that has a meal service, our special Child's Meal (CHML) is nutritionally designed for children aged 2 to 12. The exact meal served depends on the flight sector, so do call us in advance if you would like to make a request.
Malaysia Airlines provides a Child's Play Room at selected airports. These are equipped with a television and DVD player, kid-sized writing tables, chairs, toys, comics and colouring books.


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TPN Weekly #21 – CES 2010 TPN Pre Game Show
September 7th, 2009 — tpnweeklySponsor: Try GotoMeeting free for 30 days! For this special offer visit www.gotomeeting.com/techpodcasts
Since this week was a holiday weekend for a lot of Techpodcasters, we thought we would take this time to talk about some future endeavors. Mainly, CES 2010. Even though it's 4 months away, we need to plan how the team will go out there to represent the Tech Podcast Network.
Todd Cochrane, Andy McCaskey and Jeffrey Powers sit down and reminisce CES 2009 and what to look forward to CES10. We talk about the vendors that were there last year and some of the new stuff that could be there this year. Since MacWorld has shifted to February, this may be a new outlet for some to attend.
No matter what, we will be bringing the team out to Las Vegas to catch the whole show.
Podcast: Play in new window | Download


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A weekly experiment in group consciousness, service, positive connection and other-dimensional sources hosted by the author of The Reincarnation of Edgar Cayce To listen to this program on Wynn's regular conference call dial 641-715-3655 and use listener code 172746#
Wynn, a physics major in Berkeley, two years into the writing of the Reincarnation of Edgar Casey (April 2002), he learned that he was under direct observation from intelligences on the other side when they initiated a series of communications, speaking to Wynn through two consecutive personal relationships. The intelligences speaking to him identified themselves as the Council of Elohim, which is the name the Bible refers to as the Creator God of this realm.
For the past months, Wynn has been moderating a telephone conference line, where the communications of the Elohim and the Ra Confederacy are shared with participants, many of whom claim to have had huge personal transformations and miraculous interventions as a result of their involvement.
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Host Profile, Wynn Free
Bio: Wynn Free is most known as the principal author of the book, The Reincarnation of Edgar Cayce? www.caycesback.com. In addition to presenting an impeccable case, proving for most readers, that Edgar Cayce has returned, the book gives a most credible understanding, from a cosmic perspective, as to what's really happening on planet earth, concerning the dimensional shift and ascension. The source of the readings has identified itself as the Ra Confederacy – a group soul.
Wynn, who has a background as a physics major in Berkeley, began writing the book from a scholarly standpoint. Then two years into the writing (April 2002), to his own astonishment, he learned that he was under direct observation from intelligences on the other side when they initiated a series of communications, speaking to Wynn through two consecutive personal relationships. Initially, he had to decide if it was real and if it was positive. He was invited to ask questions and diligently recorded the answers to evaluate over time. The intelligences speaking to him identified themselves as the Council of Elohim, which is the name the Bible refers to as the Creator God of this realm.
After five years of these communications, all recorded, Free has come to the conclusion that they just might be who they say they are with numerous instances of future prognostications, miracles, and wise counseling. Many of the premises in The Reincarnation of Edgar Cayce?, concerning ascension, were independently verified by the communications of the Elohim.
For the past months, Wynn has been moderating a telephone conference line, where the communications of the Elohim and the Ra Confederacy are shared with participants, many of whom claim to have had huge personal transformations and miraculous interventions as a result of their involvement. The call is now broadcast live and worldwide over the internet at www.bbsradio.com on Monday nights at 6:30 pm PST.
Wynn has done numerous media presentations including the nationally syndicated Coast to Coast AM and Good Morning USA. He has also been a featured speaker at many spiritual/New Age venues including the New Living Expo in San Francisco, the Holistic Living Expo, Unity Church of Flagstaff, and The Church of Religious Science in La Crescenta, Ca. He cohosted one of the original bbs shows with Don Newsom, founder of BBS Radio, The Don and Wynn Show which ran every Saturday evening for about 3 years. You can download Wynn's new book for free - The Creator Gods of the Physical Universe Want to Talk to You at www.creatorgodbook.com.
I was born in Philadelphia, Pennsylvania. My main interest as a youth was electronics and ham radio. I attended college at the University of California at Berkeley, majoring in physics, thinking that physics was a natural expansion of my early interest in electronics.
But it wasn't long before my interests shifted to alternative politics, spirituality, metaphysics, and songwriting. I read a number of books about Edgar Cayce during this period and it stimulated my curiosity to possible understanding of realities far beyond my proclivity for science, rational explanations.
I formed a rock and roll band and played at clubs in Berkeley and San Francisco. When the band broke up, my girlfriend and I formed a duo where she would sing the songs I had written and I would back her up playing guitar. We traveled around the country in a VW bus and were welcomed as hippy emissaries wherever we would go.
There was something inside me that was demanding certain lessons that I would have to have outside of that relationship. I decided to take a hitchhiking road trip with just my guitar. I was a bit scared of doing this but I remember saying to myself that if there was a God, I wanted him to show himself and this trip was my way of giving God a chance to reveal himself. It was somewhat an act of faith, leaving Berekeley with no money and no particular destination, but I wanted to act out an Americana dream in the footsteps of some of my heroes at the time, Bob Dylan, Woody Guthrie and others who used music as their interface with humanity.
This trip ended up keeping on the road for about 4 years, countless sofas, various girlfriends and the wealth of experience and growth I hungered for. Eventually I went to Los Angeles believing I had gotten proficient enough as a songwriter and entertainer to make a career of it. I had a couple of songs recorded, one which became a minor hit in Canada and I was cowriting songs with the legendary Brian Holland of the songwriting team Holland Dozier Holland. Brian was part of the early Motown team of Holland Dozier Holland in Detroit and had written the melodies for almost all the songs of the Supremes and the Four Tops including the hits, How Sweet it is to be Loved by you, Reach Out, I Hear a Symphony, Baby Love, Standing in the Shadow of Love, and many more classics.
I had experienced many synchronicities (miracles of perfect timing) and I thought my success as a songwriter and entertainer was just a matter of time. But something happened which totally reversed my fate. One of my songs was rewritten and became a hit without my name on it. (I should note that this had nothing to do with Brian Holland). My life fell apart. I became afraid to let anyone hear my music and withdrew. I ended up selling products at swap meets and street fairs to survive. It began as a temporary stopgap for my withdrawal from the music business which I intended to return to, but I had gotten into a rut that I didn't know how to get out of.
I traveled around Southern California making enough money to just survive, living hand to mouth from one weekend to the next. Then in 1998, at the end of an event in San Diego, I said to myself that if I had to live the rest of my life as a street vendor, I would rather die on the spot. I purchased a notebook at local drug store and began writing my thoughts of the day, which came out in the form of free style poems. I wrote about street fairs. I wrote about the cute women passing my space, I would write about whatever was happening in the moment. Most of all I got excited because I discovered I could still write. I didn't have to die.
I began sending my poems over the internet to different websites and publications and I was getting published with great acknowledgements. I solicited a metaphysical web magazine – Spirit of Ma'at – to publish some poems and they responded that they didn't publish poetry and invited me to write an article for them. I interviewed a well known author and the interview was well received, so they invited me to be a staff writer and would pay me for articles every month which they would assign to me. Initially this was quite a challenge. I was used to writing what I wanted, when I wanted and now I had to write within the restriction of a discipline. But I was surprisingly good at it and my articles were well received.
It was somewhere around 1999 that I discovered the website of David Wilcock, where David revealed in one section that he had a "resonance"; with Edgar Cayce. I read David's story carefully and decided that if he was telling the truth, he had to be the reincarnation of Cayce. I petitioned my editor at Spirit of Maat to let me interview David. She looked at his website and reported back to me that he was some kind of whacko. I persisted and eventually she reluctantly gave the go ahead, but wouldn't guarantee to run the story until she evaluated it. The day after I sent her the story, she phoned me and passionately proclaimed I was right; David had to be the return of Cayce. Then she said that I was the one to write the book about it, which led to the writing of The Reincarnation of Edgar Cayce?, released in March of 2004 and published by North Atlantic Books in Berkeley.
Two years into writing the book, in April of 2004, the story of my personal experience of inter-dimensional communication commenced where two girlfriends in a row spontaneously started to channel a voice which identified itself as the Council of Elohim. This experience included very precise future predictions, a miracle of healing, and wise personal counseling. I asked many questions about the premises of the book I was writing and received independent conformation for many of the more far out premises in the book.
I googled the word Elohim and found the following references - the creator God of this universe, the God of the Old Testament, and the group that was communicating with Joseph Smith, the founder of Mormon Church. I asked if they were the same Elohim and they answered "part of the same". I asked "Why me?" They compared me to a cosmic midwife and said I would eventually be bringing these messages to the world. From my point of view, there was no way to know I was really talking to the Elohim. I was still evaluating if it was positive. And I was in the middle of writing the book on the reincarnation of Edgar Cayce. I was afraid if I talked about my personal experience, I would never find a publisher and lose my credibility as an author. The book was controversial enough without having an author who had two girlfriends in a row spontaneously announce; "Those guys want to talk to you." and I'd be speaking with a voice that identified itself as the Council of Elohim, the creator God of our universe. Keep in mind that I'm not drawing conclusions here. I'm just reporting the facts and I'll leave it up to you to draw the conclusions. And if it all gets to far out, just go back and enjoy my songs and poems and forget I ever mentioned all this inter-dimensional stuff.
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FREE BOOK - The Creator by Wynn Free Wynn Free - had the unusual experience of having a voice talk to him via 2 women with whom he had personal involvements. This voice said they were the original Creators of the physical universe. You can watch the story of how this all started on the video below. Wynn is the author, with David Wilcock, of The Reincarnation of Edgar Cayce. This all started in 2002, 2 years into the writing of that book. Watch the video and if it resonates, you're invited to download, at no charge, Wynn's new book - The Creator Gods of the Physical Universe Want to Talk We totally respect your privacy. When you sign up to receive the book, you'll be on our mailing list and receive invitations to our conference calls where you can listen in live as we dialog with our Sources. Your email will never be shared and you can unsubscribe from our list at any time. |
Wynn Free is the principle author of the international best seller - The Reincarnation of Edgar Cayce? with David Wilcock. You can get his new book - The Creator Gods of the Physical Universe Want to Talk to You in pdf format at no charge by filling in the form below. The link to the book will come to you via email.
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Much love light from the East coast to all!
`Dear Wynn- I was finally able to listen to your live Sunday show today although I tuned in late as I was listening to last weeks show and not watching the clock. Your Planetary healing is exactly what I was told to contact George and John B Wells about doing every night as we tune into Coast to Coast, then you came on the show and I have been monitoring you ever since, seeing if this is really where I was being led. I believe it is. It is a longer story than I can write now, the latest journey began 8-17-2013 when I came home from work, looked at my husband sitting on the deck and asked " Do you need to go to the hospital" Yes" was his reply. Renal cell carcinoma right kidney into inferior vena cava and into right atrium of the heart. 34 days later at 3:40 pm he passed away at home with his children and I, it was amazing, the energy the same as at the births of our children. What he has been teaching me since is wonderful. I will send on a letter I wrote to the hospitals,Michael's Final Story along with the continuing story as soon as possible.
Thank you


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Available in February 2013 from Ignatius Press, the third and final volume (of four projected volumes) Leiva's commentary on the Gospel According to St. Matthew:
Fire of Mercy, Heart of the Word, Vol. 3: Meditations on the Gospel According to St. Matthew
by Erasmo Leiva-Merikakis
To the unstudied eye, St. Matthew's gospel can seem a terse narrative, almost a historical document and not the tremendously spiritual (and doctrinal) storehouse that it is. In his third volume of meditations on Matthew (chapters 19-25), Erasmo Leiva continues to show Matthew's prose to be not terse so much as economical-astoundingly so given its depth. The lay reader can derive great profit from reading this. Each short meditation comments on a verse or two, pointing to some facet of the text not immediately apparent, but rich with meaning.
Leiva's work is scholarly but eminently approachable by the lay reader. The tone is very much of "taste and see how good the Lord is" and an invitation of "friend, come up higher!". The goal of the book is to help the reader experience the heat of the divine heart and the light of the divine Word.
Leiva comments on the Greek text, demonstrating nuances in the text that defy translation. He uses numerous quotes from the Fathers and the Liturgy of the Church to demonstrate the way the Tradition has lived and read the Word of God. His theological reflection vivifies doctrine by seeking its roots in the words and actions of Jesus.
"Fire of Mercy has become a classic of Catholic culture. It is
certainly original, like no other meditation on the Scriptures you will
ever read."
- John Saward, Author, The Beauty of Holiness
"This is a biblical commentary with scholarship and, above all, a prayerfulness that is a great gift to the Church. "
- Sr. Wendy Beckett, OCD
Erasmo Leiva-Merikakis obtained his Ph.D. in Comparative Literature and Theology from Emory University. Formerly a Professor of Literature and Theology at the University of San Francisco, he is now a Trappist monk at St. Joseph's Abbey in Spencer, Mass. In addition to Vols. 1 & 2 of Fire of Mercy, he is the author of several other books including The Way of the Disciple and Love's Sacred Order.


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The Haiti Schools were all abuzz the fist week of November, however one will soon be flying solo, with others soon following suit: Dignité officially opened November 7 and Montrouis is scheduled for completion before the New Year. Between these and ambitious activity on the other school sites, construction techniques and training continue to be refined and we simply can't wait to see what the future has in store for the next generation of Haitian architecture!
École La Dignité -The Dignité extension celebrated its grand opening on Monday! Everything's finished and, after the school cleans up after its numerous guests, the rooms will be occupied by the eldest students at the school. School headmistress Vivianne Vieux is excited to expand the impact of her school to older students, and couldn't be happier with the buildings that Students Rebuild has funded! Read more about the ceremony and the school.
Opening Ceremony: Visitors try out the benches forming an outdoor meeting space created by Dignité's new classrooms
École Elie Dubois - It's all about groundwork this month at Elie. Foundation work has begun on the cafeteria at the back of the site, with construction progressing towards the gates to make coordination easier. Pipework is being designed for the schools drainage and waste systems, and the hole for the giant bio digester has been excavated–it's ten feet deep! Meanwhile our architectural engineer Rick Ehlert and new design fellow Natalie Desrosiers are conducting reinforced concrete training sessions for the Elie construction crew. Also, discussions are ongoing with the preservation authority ISPAN regarding retrofits to Building One–including location and materials of porch and stairs which will need structural revisions.
Engineer Rick Ehlert and Design Fellow Natalie Desrosiers (both seated) conduct construction training classes on site at Elie Dubois
Collège Mixte Le Bon Berger, Montrouis - The second floor has topped out and steel and formwork are being prepared for the ring beam to top the walls and tie them all together. Steel trusses are also being welded for the roof–an exploration into our team specifying different materials from the wood trusses used in Dignité. The benefits include working with a more available construction material, and operational changes include tying metal plates into the ring beam pour for spot welding other welding happening on-site. Meanwhile, the first floor is being coated in the traditional Haitian cement-based crepissage plaster, and construction has begun on the handicap ramp.
Crepissage coating is being applied to the ground floor of Montrouis
École Baptiste Bon Berger, Pele - The perimeter wall has been replaced and foundations have been dug for the phase 1 buildings...and keep filling with water! Also the construction crew can now set to work crushing rubble from the old classrooms, as soon as they assemble the delivered rubble crushers.
Rubble crushers arrive on site...with some assembly required!
Institut Foyer du Savoir - The team has worked out the contract problems with the school owner, and construction can proceed on the Home of Knowledge!
Deep foundations needed on site.
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If you donate to this project or have donated to this project, you will get an e-mail when this project posts a report. You can also subscribe for reports via e-mail without donating.
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1949 LEDERLE LABS Thili Muray SICK BOY IN BED Currently priced at $ 11.99 1949 LEDERLE LABS Thili Muray SICK BOY IN BED AD RXAmerican Cyanamid Company colored ad8 x 11 inches. Photo by Thili-Muray./ How soon can I get up. Molding the future through Chemistry - New York city. Lederly Laboratories Division of American Cyanamid Co.
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Cho-Pat I.T.B. Strap Large 21.5 -23
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- Ideally the I.T.B. Strap should be worn nearest the area with the most discomfort; however it can be worn approximately 2 -3 in either direction with beneficial results
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By Sharon Mueller
The dining room at Long Term Care at Fayette County Hospital was completely filled with Evergreen Outreach participants as they gathered on Monday. The regular EO meeting place, First United Methodist Church, was unavailable that day, thus the change of venue.
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(AFP) - Mexican captain and two-time Champions League winning defender Rafael Marquez signed a multi-year deal on Monday with the New York Red Bulls of Major League Soccer, the team announced.
Marquez was released two days earlier by the Spanish club and joins another former Barcelona star and former French captain Thierry Henry and Colombian forward Juan Pablo Angel as the Red Bulls designated players, ones whose salaries are exempt from the MLS's salary cap.
"I'm excited to be joining the Red Bulls," Marquez said. "Despite having the opportunity to fulfil my contract with Barcelona, coming to New York and playing in Major League Soccer was a chance that I could not refuse.
"I'm completely committed to doing my very best to help the Red Bulls in the playoff push this year and compete for championships in the years to come."
Marquez, 31, has 94 caps for Mexico and scored in the opening match of this year's World Cup to allow Mexico to escape with a 1-1 draw against hosts South Africa.
"Rafael has shown on the club and international level that he is one of the world's top players," Red Bulls global soccer chief Dietmar Beiersdorfer said.
"He has been a winner at all levels and illustrated that he is a leader both on and off the field."
Marquez spent the past seven seasons at Barcelona, where he helped the Catalan side claim La Liga crowns in 2005, 2006, 2009 and 2010 and the Champions League in 2006 and 2009.
He also played for Monaco from 1999-2003 after starting his pro career at Mexican club Atlas in 1996 aged 17.


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- Pro Sports Blogging - http://www.prosportsblogging.com -
Pittsburgh Renews Familiar Rivalry at Browns Stadium
Posted By Rob Stroup On Nov 25 2012 @ 12:00 am In Pittsburgh Steelers | 1 Comment
About the Author
Article printed from Pro Sports Blogging: http://www.prosportsblogging.com
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Ah, we have a Sunday in November set aside for that (the date changes every year) we call it Rememberance Sunday.
Nuance Baldrick, you wouldn't see a subtle plan if it painted itself purple and danced naked on top of a harpsichord, singing "Subtle plans are here again!" In reply to RE: RE: RE: Did you work at all on Memorial Day?
by nuance


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Quotes & Info
NYCB > SEC Filings for NYCB > Form 10-Q on 9-Nov-2012 | All Recent SEC Filings |
Quarterly Report
For the purpose of this Quarterly Report on Form 10-Q, the words "we," "us," "our," and the "Company" are used to refer to New York Community Bancorp, Inc. and our consolidated subsidiaries, including New York Community Bank and New York Commercial Bank (the "Community Bank" and the "Commercial Bank," respectively, and collectively, the "Banks").
Forward-Looking Statements and Associated Risk Factors
This report, like many written and oral communications presented by the Company
and our authorized officers, may contain certain forward-looking statements
regarding our prospective performance and strategies within the meaning of
Section 27A of the Securities Act of 1933, as amended, and Section 21E of the
Securities Exchange Act of 1934, as amended. We intend such forward-looking
statements to be covered by the safe harbor provisions for forward-looking
statements contained in the Private Securities Litigation Reform Act of 1995,
and are including this statement for purposes of said safe harbor provisions.
Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of the words "anticipate," "believe," "estimate," "expect," "intend," "plan," "project," "seek," "strive," "try," or future or conditional verbs such as "will," "would," "should," "could," "may," or similar expressions. Our ability to predict results or the actual effects of our plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.
There are a number of factors, many of which are beyond our control, that could cause actual conditions, events, or results to differ significantly from those described in our forward-looking statements. These factors include, but are not limited to:
- general economic conditions, either nationally or in some or all of the areas in which we and our customers conduct our respective businesses;
- conditions in the securities markets and real estate markets or the banking industry;
- changes in real estate values, which could impact the quality of the assets securing the loans in our portfolio;
- changes in interest rates, which may affect our net income, prepayment penalty income, mortgage banking income, and other future cash flows, or the market value of our assets, including our investment securities;
- changes in the quality or composition of our loan or securities portfolios;
- changes in our capital management policies, including those regarding business combinations, dividends, and share repurchases, among others;
- our use of derivatives to mitigate our exposure to interest rate risk;
- changes in competitive pressures among financial institutions or from non-financial institutions;
- changes in deposit flows and wholesale borrowing facilities;
- changes in the demand for deposit, loan, and investment products and other financial services in the markets we serve;
- our timely development of new lines of business and competitive products or services in a changing environment, and the acceptance of such products or services by our customers;
- changes in our customer base or in the financial or operating performances of our customers' businesses;
- any interruption in customer service due to circumstances beyond our control;
- our ability to retain key members of management;
- potential exposure to unknown or contingent liabilities of companies we have acquired or may acquire in the future;
- the outcome of pending or threatened litigation, or of other matters before regulatory agencies, whether currently existing or commencing in the future;
- environmental conditions that exist or may exist on properties owned by, leased by, or mortgaged to the Company, including those conditions resulting from natural disasters;
- operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which we are highly dependent;
- the ability to keep pace with, and implement on a timely basis, technological changes;
- changes in legislation, regulation, policies, or administrative practices, whether by judicial, governmental, or legislative action, including, but not limited to, the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and other changes pertaining to banking, securities, taxation, rent regulation and housing, financial accounting and reporting, environmental protection, and insurance, and the ability to comply with such changes in a timely manner;
- changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Department of the Treasury and the Board of Governors of the Federal Reserve System;
- changes in accounting principles, policies, practices, or guidelines;
- additional FDIC special assessments or required assessment prepayments;
- any breach in performance by the Community Bank under our loss sharing agreements with the FDIC;
- changes in our estimates of future reserves based upon the periodic review thereof under relevant regulatory and accounting requirements;
- changes in regulatory expectations relating to predictive models we use in connection with stress testing and other forecasting, or in the assumptions on which such modeling and forecasting are predicated;
- the ability to successfully integrate any assets, liabilities, customers, systems, and management personnel of any banks we may acquire into our operations, and our ability to realize related revenue synergies and cost savings within expected time frames;
- changes in our credit ratings or in our ability to access the capital markets;
- war or terrorist activities; and
- other economic, competitive, governmental, regulatory, technological, and geopolitical factors affecting our operations, pricing, and services.
It should be noted that we routinely evaluate opportunities to expand through acquisitions and frequently conduct due diligence activities in connection with such opportunities. As a result, acquisition discussions and, in some cases, negotiations, may take place at any time, and acquisitions involving cash or our debt or equity securities may occur.
In addition, the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control.
Readers are cautioned not to place undue reliance on the forward-looking statements contained herein, which speak only as of the date of this report. Except as required by applicable law or regulation, we undertake no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.
Reconciliations of Stockholders' Equity and Tangible Stockholders' Equity, Total Assets and Tangible Assets, and the Related Measures
Although tangible stockholders' equity, adjusted tangible stockholders' equity, tangible assets, and adjusted tangible assets are not measures that are calculated in accordance with U.S. generally accepted accounting principles ("GAAP"), management uses these non-GAAP measures in their analysis of our performance. We believe that these non-GAAP measures are important indications of our ability to grow both organically and through business combinations and, with respect to tangible stockholders' equity and adjusted tangible stockholders' equity, our ability to pay dividends and to engage in various capital management strategies.
We calculate tangible stockholders' equity by subtracting from stockholders' equity the sum of our goodwill and core deposit intangibles ("CDI"), and calculate tangible assets by subtracting the same sum from our total assets. To calculate our ratio of tangible stockholders' equity to tangible assets, we divide our tangible stockholders' equity by our tangible assets, both of which include an amount for accumulated other comprehensive loss, net of tax ("AOCL"). AOCL consists of after-tax net unrealized gains (losses) on securities; certain other-than-temporary impairment ("OTTI") losses on securities; and pension and post-retirement obligations, and is recorded in our Consolidated Statements of Condition. We also calculate our ratio of tangible stockholders' equity to tangible assets excluding AOCL, as its components are impacted by changes in market conditions, including interest rates, which fluctuate. This ratio is referred to below and later in this report as the ratio of "adjusted tangible stockholders' equity to adjusted tangible assets."
Neither tangible stockholders' equity, adjusted tangible stockholders' equity, tangible assets, adjusted tangible assets, nor the related tangible and adjusted tangible capital measures should be considered in isolation or as a substitute for stockholders' equity or any other capital measure prepared in accordance with GAAP. Moreover, the manner in which we calculate these non-GAAP capital measures may differ from that of other companies reporting measures of capital with similar names.
Reconciliations of our stockholders' equity, tangible stockholders' equity, and adjusted tangible stockholders' equity; our total assets, tangible assets, and adjusted tangible assets; and the related capital measures at September 30, 2012 and December 31, 2011 follow:
September 30, December 31, 2012 2011 (in thousands) Stockholders' Equity $ 5,642,465 $ 5,565,704 Less: Goodwill (2,436,131) (2,436,131) Core deposit intangibles (36,734) (51,668) Tangible stockholders' equity $ 3,169,600 $ 3,077,905 Total Assets $44,093,795 $42,024,302 Less: Goodwill (2,436,131) (2,436,131) Core deposit intangibles (36,734) (51,668) Tangible assets $41,620,930 $39,536,503 Stockholders' equity to total assets 12.80% 13.24% Tangible stockholders' equity to tangible assets 7.62% 7.78% Tangible Stockholders' Equity $3,169,600 $3,077,905 Add back: Accumulated other comprehensive loss, net of tax 57,674 71,910 Adjusted tangible stockholders' equity $3,227,274 $3,149,815 Tangible Assets $41,620,930 $39,536,503 Add back: Accumulated other comprehensive loss, net of tax 57,674 71,910 Adjusted tangible assets $41,678,604 $39,608,413 Adjusted stockholders' equity to adjusted tangible assets 7.74% 7.95% |
Critical Accounting Policies
We consider certain accounting policies to be critically important to the portrayal of our financial condition and results of operations, since they require management to make complex or subjective judgments, some of which may relate to matters that are inherently uncertain. The inherent sensitivity of our consolidated financial statements to these critical accounting policies, and the judgments, estimates, and assumptions used therein, could have a material impact on our financial condition or results of operations.
We have identified the following to be critical accounting policies: the determination of the allowances for loan losses; the valuation of loans held for sale; the determination of whether an impairment of securities is other than temporary; the determination of the amount, if any, of goodwill impairment; and the determination of the valuation allowance for deferred tax assets.
The judgments used by management in applying these critical accounting policies may be influenced by a further and prolonged deterioration in the economic environment, which may result in changes to future financial results. In addition, the current economic environment has increased the degree of uncertainty inherent in our judgments, estimates, and assumptions.
Allowances for Loan Losses
Allowance for Losses on Non-Covered Loans
The allowance for losses on non-covered loans is increased by provisions for non-covered loan losses that are charged against earnings, and is reduced by net charge-offs and/or reversals, if any, that are credited to earnings. Although non-covered loans are held by either the Community Bank or the Commercial Bank, and a separate loan loss allowance is established for each, the total of the two allowances is available to cover all losses incurred. In addition, except as otherwise noted below, the process for establishing the allowance for losses on non-covered loans is the same for each of the Community Bank and the Commercial Bank. In determining the respective allowances for loan losses, management considers the Community Bank's and the Commercial Bank's current business strategies and credit processes, including compliance with guidelines approved by the respective Boards of Directors with regard to credit limitations, loan approvals, underwriting criteria, and loan workout procedures.
The allowance for losses on non-covered loans is established based on our evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and are comprised of both specific valuation allowances and general valuation allowances.
Specific valuation allowances are established based on management's analyses of individual loans that are considered impaired. If a non-covered loan is deemed to be impaired, management measures the extent of the impairment and establishes a specific valuation allowance for that amount. A non-covered loan is classified as "impaired" when, based on current information and events, it is probable that we will be unable to collect both the principal and interest due under the contractual terms of the loan agreement. We apply this classification as necessary to non-covered loans individually evaluated for impairment in our portfolios of multi-family; commercial real estate; acquisition, development, and construction; and commercial and industrial loans. Smaller balance homogenous loans and loans carried at the lower of cost or fair value are evaluated for impairment on a collective, rather than individual, basis.
We generally measure impairment on an individual loan and determine the extent to which a specific valuation allowance is necessary by comparing the loan's outstanding balance to either the fair value of the collateral, less the estimated cost to sell, or the present value of expected cash flows, discounted at the loan's effective interest rate. A specific valuation allowance is established when the fair value of the collateral, net of the estimated costs to sell, or the present value of the expected cash flows is less than the recorded investment in the loan.
We also follow a process to assign general valuation allowances to non-covered loan categories. General valuation allowances are established by applying our loan loss provisioning methodology, and reflect the inherent risk in outstanding held-for-investment loans. This loan loss provisioning methodology considers various factors in determining the appropriate quantified risk factors to use to determine the general valuation allowances. The factors assessed begin with the historical loan loss experience for each of the major loan categories we maintain. Our
historical loan loss experience is then adjusted by considering qualitative or environmental factors that are likely to cause estimated credit losses associated with the existing portfolio to differ from historical loss experience, including, but not limited to:
- Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices;
- Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio, including the condition of various market segments;
- Changes in the nature and volume of the portfolio and in the terms of loans;
- Changes in the volume and severity of past due loans, the volume of non-accrual loans, and the volume and severity of adversely classified or graded loans;
- Changes in the quality of our loan review system;
- Changes in the value of the underlying collateral for collateral-dependent loans;
- The existence and effect of any concentrations of credit, and changes in the level of such concentrations;
- Changes in the experience, ability, and depth of lending management and other relevant staff; and
- The effect of other external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the existing portfolio.
By considering the factors discussed above, we determine quantifiable risk factors that are applied to each non-impaired loan or loan type in the loan portfolio to determine the general valuation allowances.
In recognition of prevailing macroeconomic and real estate market conditions, the time periods considered for historical loss experience continue to be the last three years and the current period. We also evaluate the sufficiency of the overall allocations used for the allowance for losses on non-covered loans by considering the loss experience in the current and prior calendar year.
The process of establishing the allowance for losses on non-covered loans also involves:
- Periodic inspections of the loan collateral by qualified in-house and external property appraisers/inspectors, as applicable;
- Regular meetings of executive management with the pertinent Board committee, during which observable trends in the local economy and/or the real estate market are discussed;
- Assessment of the aforementioned factors by the pertinent members of the Boards of Directors and executive management when making a business judgment regarding the impact of anticipated changes on the future level of loan losses; and
- Analysis of the portfolio in the aggregate, as well as on an individual loan basis, taking into consideration payment history, underwriting analyses, and internal risk ratings.
In order to determine their overall adequacy, each of the respective loan loss allowances is reviewed quarterly by management and by the Mortgage and Real Estate Committee of the Community Bank's Board of Directors (the "Mortgage Committee") or the Credit Committee of the Board of Directors of the Commercial Bank (the "Credit Committee"), as applicable.
We charge off loans, or portions of loans, in the period that such loans, or portions thereof, are deemed uncollectible. The collectability of individual loans is determined through an assessment of the financial condition and repayment capacity of the borrower and/or through an estimate of the fair value of any underlying collateral. Generally, the time period in which this assessment is made is within the same quarter that the loan is considered impaired and quarterly thereafter. For non-real estate-related consumer credits, the following past-due time periods determine when charge-offs are typically recorded: (1) closed-end credits are charged off in the quarter that the loan becomes 120 days past due; (2) open-end credits are charged off in the quarter that the loan becomes 180 days past due; and (3) both closed-end and open-end credits are typically charged off in the quarter that the credit is 60 days past the date we received notification that the borrower has filed for bankruptcy.
The level of future additions to the respective non-covered loan loss allowances is based on many factors, including certain factors that are beyond management's control such as changes in economic and local market conditions, including declines in real estate values, and increases in vacancy rates and unemployment. Management uses the best available information to recognize losses on loans or to make additions to the loan loss allowances; however, the Community Bank and/or the Commercial Bank may be required to take certain charge-offs and/or recognize further additions to their loan loss allowances, based on the judgment of regulatory agencies with regard to information provided to them during their examinations of the Banks.
Allowance for Losses on Covered Loans
We have elected to account for the loans acquired in the AmTrust Bank ("AmTrust") and Desert Hills Bank ("Desert Hills") acquisitions (i.e., our covered loans) based on expected cash flows. This election is in accordance with Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 310-30, "Loans and Debt Securities Acquired with Deteriorated Credit Quality" ("ASC 310-30"). In accordance with ASC 310-30, we will maintain the integrity of a pool of multiple loans accounted for as a single asset and with a single composite interest rate and an aggregate expectation of cash flows.
Under our loss sharing agreements with the FDIC, covered loans are reported exclusive of the FDIC loss share receivable. The covered loans acquired in the AmTrust and Desert Hills acquisitions are, and will continue to be, reviewed for collectability based on the expectations of cash flows from these loans. Covered loans have been aggregated into pools of loans with common characteristics. In determining the allowance for losses on covered loans, we periodically perform an analysis to estimate the expected cash flows for each of the loan pools. We record a provision for losses on covered loans to the extent that the expected cash flows from a loan pool have decreased for credit-related items since the acquisition date. Accordingly, if there is a decrease in expected cash flows due to an increase in estimated credit losses compared to the estimates made at the respective acquisition dates, the decrease in the present value of expected cash flows will be recorded as a provision for covered loan losses charged to earnings, and the allowance for covered loan losses will be increased. A related credit to non-interest income and an increase in the FDIC loss share receivable will be recognized at the same time, and will be measured based on the loss sharing agreement percentages.
Please see Note 5, "Allowance for Loan Losses" for a further discussion of our allowance for losses on covered loans as well as additional information about our allowance for losses on non-covered loans.
Loans Held for Sale
We carry at fair value the one-to-four family mortgage loans we originate for sale to investors. The fair value of such loans is primarily based on quoted market prices for securities backed by similar types of loans. Changes in fair value, which are recorded as a component of mortgage banking income, are largely driven by changes in interest rates subsequent to loan funding, and changes in the fair value of servicing associated with mortgage loans held for sale. In addition, we use various derivative instruments to mitigate the economic effect of changes in the fair value of the underlying loans.
Investment Securities
The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity (together, "other") securities. Securities that are classified as "available for sale" are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders' equity. Securities that we have the intent and ability to hold to maturity are classified as "held to maturity" and carried at amortized cost, less the non-credit portion of OTTI recorded in AOCL.
The fair values of our securities-and particularly our fixed-rate securities-are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline; as interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. We regularly conduct a review and evaluation of our securities portfolio to determine if the decline in the fair value of any security below its carrying amount is other than temporary. If we deem any decline in value to be other than temporary, the security is written down to its current fair value, creating a new cost basis, and the resultant loss (other than the OTTI on debt securities attributable to non-credit factors) is charged against earnings
and recorded in non-interest income. Our assessment of a decline in fair value includes judgment as to the financial position and future prospects of the entity that issued the investment security, as well as a review of the security's underlying collateral. Broad changes in the overall market or interest rate environment generally will not lead to a write-down.
In accordance with OTTI accounting guidance, unless we have the intent to sell, or it is more likely than not that we may be required to sell a security before recovery, OTTI is recognized as a realized loss on the income statement to the extent that the decline in fair value is credit-related. If there is a decline in fair value of a security below its carrying amount and we have the intent to sell it, or it is more likely than not that we may be required to sell the security before recovery, the entire amount of the decline in fair value is charged to earnings.
Goodwill Impairment
Goodwill is presumed to have an indefinite useful life and is tested for impairment, rather than amortized, at the reporting unit level, at least once a year. In addition to being tested annually, goodwill would be tested if there were a "triggering event." The goodwill impairment analysis is a two-step test. However, a company can, under Accounting Standards Update ("ASU") No. 2011-08, Testing Goodwill for Impairment", first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Under this amendment, an entity would not be required to calculate the fair value of a reporting unit unless the entity determined, based on a qualitative assessment, that it was more likely than not that its fair value was less than its carrying amount. The first step ("Step 1") is used to identify . . .


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Solid win all the way around. The game followed suit for a lot of Det/KC games this year until the Tigers' outburst in the 9th. That's 6-0 in KC this season, as the Royals are this year's 2013 Indians.
Baseball-Reference postgame here.
Three stars:
1) Rick Porcello – he was dealing again. Only 6 hits in 7 IPs, but he did walk 3. Two of the baserunners were erased on double plays.
2) JD Martinez – leading off the 9th with a cushion run was huge. Have we lost since VMart sat?
3) Joe Nathan – they should all be that easy.
I'm going to update everyone on the web site in the morning.


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This pudding mold, from the kitchen of Martha Skolfield, is in the shape of an ear of corn. Pudding was a common dessert for generations.
Molds such as this one made the shapeless dessert more interesting. A family often owned several pudding molds in various shapes: cones, fruit, or animals.
©2000-2017 Maine Historical Society, All Rights Reserved.
Many images on this website are for sale on
The Maine Memory Network is a project of the Maine Historical Society.
Except for classroom educational use, images and content may not be reproduced without permission.


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Work is just about done on a major Canyon Lake road project that has caused headaches for drivers over the past year.
The $8 million widening of Railroad Canyon Road, the major route in and out of the city, to six lanes will make life easier for Canyon Lake residents and visitors, said Councilwoman Nancy Horton. But it hasnât always been easy.
âHopefully, itâs like childbirth,â Horton said, âyou donât remember the pain when itâs over.â
The roadway gained an extra lane in each direction between Canyon Hills Road and Sorel Lane. Crews also added bicycle lanes, traffic signals, drainage improvements, retaining walls and new landscaping along the 1.6-mile route.
Lane closures have been common along the busy thoroughfare during the year-long project. Horton said the closures tied up traffic, particularly on Fridays, when Canyon Lake is swarmed by weekenders and visitors.
âIf I were in charge of the world, I would have maybe picked a Tuesday,â for paving work, Horton said.
The bulk of construction â" about 95 percent â" is now done, City Engineer Habib Motlagh said. Some landscaping and other minor work is left, but any road closures will be minor and last no more than an hour or so, he said.
Riverside-based construction company Alabbasi Construction and Engineering -- formerly Mamco Construction -- completed the bulk construction work for $6.2 million, Motlagh said.
The rest of the projectâs $8 million price tag went toward design, environmental reviews and right of way acquisitions, Motlagh said. The project was paid for through money awarded by the Western Riverside Council of Governments.
The project is meant to ease congestion, with an eye toward future growth in the area. Down the road in Menifee, for example, work is ongoing on a planned 2,100-home Audie Murphy Ranch development.
Motlagh credited county transportation officials for awarding so much money to a Canyon Lake project. The small city contributes relatively few dollars towards the countyâs infrastructure dollars, but officials recognized Railroad Canyon is a regional artery that connects the 15 and 215 interstates, Motlagh said.
âItâs not necessarily a City of Canyon Lake project, itâs a regional project,â Motlagh said. âMenifee, (Lake) Elsinore and others will benefit.â
While the project is meant to ease traffic, many Canyon Lake residents worry the extra lanes will only encourage more cars to pass through the city. Horton doesnât agree.
âWe arenât creating traffic,â she said. âWe are accommodating traffic.â
Aesthetic improvements, including new flowering bushes, blue light poles and salmon-colored pedestrian walkways are meant to give the area the feel of an Orange County beach town, Horton said. The idea was make the area, which lies outside the gated walls which enclose most of Canyon Lake, distinct from neighboring cities, she said.
Two large stone monuments are also soon to be added on either side of the project, welcoming drivers to Canyon Lake.
Follow John F. Hill on Twitter: @johnfhill2


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Longboat Key Club and Resort General Manager Michael Welly submitted a proposal Wednesday, March 31, to relocate the Islandside gatehouse on Longboat Club Road from its current location approximately 165 feet to the west.
But the Longboat Key Association, which owns and supervises Longboat Club Road, chose not to discuss the proposal at a Friday, April 2 meeting.
Welly sent the proposal to the presidents of all the Islandside condominium associations and the Longboat Key Association.
The proposal, Welly stated in his e-mail, will allow the gatehouse to remain within the road's right of way.
Wrote Welly: "Although the club maintains that the present location of the gatehouse is acceptable, there is a consensus between the town, the club and the Longboat Key Association that it would be preferable to relocate the gatehouse to the west."
Agreeing to the proposal, Welly wrote, would not constitute approval of the club's $400 million Islandside renovation-and-expansion project.
"Rather, it will only take effect if the town approves the redevelopment plan, and it will represent one of several improvements that will enhance Longboat Club Road and facilitate traffic flow," Welly wrote.
The club, Welly said, has agreed to fund the costs associated with the relocation, including the design and construction of the new gatehouse.
The club, however, gave the association until Monday, April 5 to make a decision on the proposal.
But Bob Goodman, president of the Longboat Key Association, said his board needs more time to review the proposal.
"We hope to review the proposal in the next two to three weeks," Goodman said.
Welly said he will allow the association more time to review the proposal.
Contact Kurt Schulteis at [email protected].


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ANN ARBOR (AP) — University of Michigan President Mary Sue Coleman had not been drinking alcohol before making remarks at halftime of a football game, the school said in a statement Monday morning.
"It was an unfortunate set of circumstances that led to the audio distortion," spokesman Rick Fitzgerald said.
The "awkward audio" was a result of Coleman attempting to slow down her speech, according to Fitzgerald, because of the significant feedback she was hearing from Michigan Stadium's public-address system.
"She, absolutely, had not been drinking alcohol," Fitzgerald said. "I want to underscore that point in the strongest possible way."
Coleman was honored at halftime of Saturday's game against Nebraska because she is planning to retire in July.
"We were trying to do something thoughtful to honor President Mary Sue Coleman for her service to the university and athletic department and unfortunately the sound system backfired on us," athletic director Dave Brandon said in a statement. "We rarely use live wireless microphones at Michigan Stadium because of the way that sound is distributed; it travels from the north scoreboard across the field to the south. There was significant wind that caused the sound to be delayed and distorted and created feedback during President Coleman's speech."
Fitzgerald said Coleman didn't have experience using the wireless microphone provided to her and she wasn't expecting to be recognized during the game.
"She struggled with the feedback and tried to adjust to the sound delay and the reverberation by slowing down her words," he said. "She had hoped to communicate her gratitude for the recognition and her enthusiasm for Michigan."
Coleman attended non-alcoholic events before the game and hosted one during the game, Fitzgerald said.
The Deadspin.com sports website posted a video Sunday night of Coleman's address that has gone viral with a headline: "Did Michigan's President Deliver A Drunken Halftime Speech Yesterday?"
Brandon answered the question in his statement.
"I was with President Coleman and the current social media speculation is without merit and 100 percent inaccurate," Brandon said. "We were together at multiple campus events throughout the day and I walked with her from the suites to the field prior to the halftime recognition.
"I have sincerely apologized to President Coleman for the failures in our sound system and the difficult situation this has caused for her."


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[ MDVSA-2014:047 ] postgresql Feb 21 2014 05:01PM security mandriva com -----BEGIN PGP SIGNED MESSAGE----- Hash: SHA1 _______________________________________________________________________ Mandriva Linux Security Advisory MDVSA-2014:047 http://www.mandriva.com/en/support/security/ _______________________________________________________________________ Package : postgresql Date : February 21, 2014 Affected: Business Server 1.0 _______________________________________________________________________ Problem Description: Multiple vulnerabilities has been discovered and corrected in postgresql: Granting a role without ADMIN OPTION is supposed to prevent the grantee from adding or removing members from the granted role, but this restriction was easily bypassed by doing SET ROLE first. The security impact is mostly that a role member can revoke the access of others, contrary to the wishes of his grantor. Unapproved role member additions are a lesser concern, since an uncooperative role member could provide most of his rights to others anyway by creating views or SECURITY DEFINER functions (CVE-2014-0060). The primary role of PL validator functions is to be called implicitly during CREATE FUNCTION, but they are also normal SQL functions that a user can call explicitly. Calling a validator on a function actually written in some other language was not checked for and could be exploited for privilege-escalation purposes. The fix involves adding a call to a privilege-checking function in each validator function. Non-core procedural languages will also need to make this change to their own validator functions, if any (CVE-2014-0061). If the name lookups come to different conclusions due to concurrent activity, we might perform some parts of the DDL on a different table than other parts. At least in the case of CREATE INDEX, this can be used to cause the permissions checks to be performed against a different table than the index creation, allowing for a privilege escalation attack (CVE-2014-0062). The MAXDATELEN constant was too small for the longest possible value of type interval, allowing a buffer overrun in interval_out(). Although the datetime input functions were more careful about avoiding buffer overrun, the limit was short enough to cause them to reject some valid inputs, such as input containing a very long timezone name. The ecpg library contained these vulnerabilities along with some of its own (CVE-2014-0063). Several functions, mostly type input functions, calculated an allocation size without checking for overflow. If overflow did occur, a too-small buffer would be allocated and then written past (CVE-2014-0064). Use strlcpy() and related functions to provide a clear guarantee that fixed-size buffers are not overrun. Unlike the preceding items, it is unclear whether these cases really represent live issues, since in most cases there appear to be previous constraints on the size of the input string. Nonetheless it seems prudent to silence all Coverity warnings of this type (CVE-2014-0065). There are relatively few scenarios in which crypt() could return NULL, but contrib/chkpass would crash if it did. One practical case in which this could be an issue is if libc is configured to refuse to execute unapproved hashing algorithms (e.g., FIPS mode) (CVE-2014-0066). Since the temporary server started by make check uses trust authentication, another user on the same machine could connect to it as database superuser, and then potentially exploit the privileges of the operating-system user who started the tests. A future release will probably incorporate changes in the testing procedure to prevent this risk, but some public discussion is needed first. So for the moment, just warn people against using make check when there are untrusted users on the same machine (CVE-2014-0067). This advisory provides the latest version of PostgreSQL that is not vulnerable to these issues. _______________________________________________________________________ References: http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0060 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0061 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0062 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0063 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0064 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0065 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0066 http://cve.mitre.org/cgi-bin/cvename.cgi?name=CVE-2014-0067 http://www.postgresql.org/docs/9.2/static/release-9-2-5.html http://www.postgresql.org/docs/9.2/static/release-9-2-6.html http://www.postgresql.org/docs/9.2/static/release-9-2-7.html _______________________________________________________________________ Updated Packages: Mandriva Business Server 1/X86_64: 79694cb7b4dd67569529507531e9f43c mbs1/x86_64/lib64ecpg9.2_6-9.2.7-1.mbs1.x86_64.rpm 71413fef641ef26dfd364cc0417ec002 mbs1/x86_64/lib64pq9.2_5-9.2.7-1.mbs1.x86_64.rpm 3cac01a8f005e1b66c8f5e5f2beb500e mbs1/x86_64/postgresql9.2-9.2.7-1.mbs1.x86_64.rpm 6fa82ca3338f6b621a1224107e82c4a2 mbs1/x86_64/postgresql9.2-contrib-9.2.7-1.mbs1.x86_64.rpm 713b25468183ad23d7db2c95367def9c mbs1/x86_64/postgresql9.2-devel-9.2.7-1.mbs1.x86_64.rpm f88d066354f88a3cc7c65bafb4dba438 mbs1/x86_64/postgresql9.2-docs-9.2.7-1.mbs1.noarch.rpm 6b98f768d9345669d883b5d24493726e mbs1/x86_64/postgresql9.2-pl-9.2.7-1.mbs1.x86_64.rpm eb75e37124d82a102335fe7cdfdc1ba9 mbs1/x86_64/postgresql9.2-plperl-9.2.7-1.mbs1.x86_64.rpm 213b461056d052adc26a681a415a3390 mbs1/x86_64/postgresql9.2-plpgsql-9.2.7-1.mbs1.x86_64.rpm bfd35ced63664bd21f38d92729e94b0d mbs1/x86_64/postgresql9.2-plpython-9.2.7-1.mbs1.x86_64.rpm 18d86e7a4b61656b1b1dc7bdf67c45fc mbs1/x86_64/postgresql9.2-pltcl-9.2.7-1.mbs1.x86_64.rpm ea94bae659957662f9247b13285391e8 mbs1/x86_64/postgresql9.2-server-9.2.7-1.mbs1.x86_64.rpm f512d51c07fa28546fa2dbbbebfe04f9 mbs1/SRPMS/postgresql9.2-9.2.7-1.mbs1.src.rpm _______________________________________________________________________ To upgrade automatically use MandrivaUpdate or urpmi. The verification of md5 checksums and GPG signatures is performed automatically for you. All packages are signed by Mandriva for security. You can obtain the GPG public key of the Mandriva Security Team by executing: gpg --recv-keys --keyserver pgp.mit.edu 0x22458A98 You can view other update advisories for Mandriva Linux at: http://www.mandriva.com/en/support/security/advisories/ If you want to report vulnerabilities, please contact security_(at)_mandriva.com _______________________________________________________________________ Type Bits/KeyID Date User ID pub 1024D/22458A98 2000-07-10 Mandriva Security Team <security*mandriva.com> -----BEGIN PGP SIGNATURE----- Version: GnuPG v1.4.12 (GNU/Linux) iD8DBQFTB4WfmqjQ0CJFipgRAlaqAJ9bkVWpCWdqrmS8++MyfhjKFCcLPgCcC0xe JhShzLbEybporLpUPXpdFgQ= =Ky+m -----END PGP SIGNATURE----- [ reply ] |
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text:
Artist description:
original work...,looks better with actual size
Java Draw Created Jun 04, 2012 1024 x 736px Unless noted Copyright 2012 Pure.
We encourage you to submit a comment and let the artist know what you think of this drawing. Please log in or join to post a comment.
Post a comment
Awesome colors here,,, such a beautiful sky! Like the details and the scarf around the neck... Super job!
wow! this is so beautiful... what a rich and pretty purple... i love how you drew the waves and the figure is very artfully done.... amazing!
This is lovely! The colors are so soft and fresh. But I really like the composition of the figure. Perfect draw! 5 H


text:
Pamela Sandoval
Associate Professor, Graduate School of Education
CAEP Accreditation Coordinator
Office: AB-229A |
Educational Background
- Ph.D. in Urban Social Institutions (Sociology, History & Urban Affairs). University of Wisconsin-Milwaukee. 1990
- M.S. in Educational Psychology. Learning and Development with Methodology and Statistics. University of Wisconsin-Milwaukee. 1982
- B.A. in Art. Mount Mary College. 1976
Teaching Profession
Courses regularly taught
- Quantitative and Qualitative Research Methods
- Social Foundations of Education
- Adolescent Psychology
Current Research Interests
- Assessment and Program Evaluation
- Public Policy on Education
- Urban Education
- Critical Issues of Race, Class, and Gender in Education
Publications Since 1990
- Richardson, B., & Sandoval P. (2007). Impact of Education on Gender Equity in Employment and its Outcomes. In S. Klein, C. Dwyer, L. Fox, D. Grayson, C. Kramarae, D. Pollard, and B. Richardson, Handbook for Achieving Gender Equity through Education. New York: Lawrence Erlbaum Associates, Publishers.
- Sandoval, P., & Wigle, S. (2006) Building a Unit Assessment System: Creating Quality Evaluation of Candidate Performance. Education, 126 (4), 640-652.
- S. G. Akyea, & P. Sandoval. (2005). A Feminist Perspective on Assessment: An Epistemology Of Caring and Concern. Radical Pedagogy, 6(2).
- Sandoval, P. A. (2001). Inequity as the Source of the Cultural Gap in an Urban School/University Collaborative. Urban Review, 33(1).
- Wigle, S., & Sandoval, P.A. (2000). Change and challenges in a Graduate School of Education: Choice theory as an Effective Leadership Paradigm. International Journal of Reality Therapy, XX (1).4-10.
- Schoon, K., & Sandoval P.A. (2000). Option II of the Urban Teacher Education Program: An Inservice Route to Teacher Certification. Urban Education, 35(4), 418-441
- Sandoval, P. 1999. Preparing to Lead: Young Mothers in College. In G. Brown, & B. Irby (Eds.) Women and Leadership: Balancing Power with Caring. New York: NOVA Science.
- Rominger, A., & Sandoval, P. A. 1998. Employee Testing: Reconciling the Twin Goals of Productivity and Fairness. Depaul Business Law Review, 10(2), 299-347.
- Schoon, K., & Sandoval, P. 1997. The Seamless Field Experience Model for Secondary Science Teacher Preparation. Journal of Science Education, 8, 2, 127-140.
- Sandoval, P. 1996. How Deep Is Collaboration? Teacher Education Curriculum, Course Curriculum, and the Field. Contemporary Education, LXVII, 4, 233-236.
- Sandoval, P. 1995. Transformation of a Former Advocate for Gifted Education. Equity and Excellence in Education, 28, 2.
- Sandoval, P. A., Reed. C. & Attinasi, J. 1993. Professors and Teachers Working Together to Develop Instructional Teams in an Urban Teacher Education Program. Contemporary Education, 4, 243-248.
- In addition, over 80 national presentations, papers and institutional reports.
Other Professional Activities
- New York State Education Department/Gates Foundation – Smart Scholars Early College High Schools. I helped organize grant applications from SUNY campuses: Eight of 11 partnerships funded. Total SUNY funding for the project is over $4 million. SUNY and EdWorks of Ohio also successfully submitted a grant application to be the Gates Intermediary beginning in 2010 ($500,000). The Intermediary supports the development and implementation of the partnerships. (Nancy Willie-Schiff, Pam Sandoval, and Andrea Mulkey)
- New York State Teacher Pilot Quality Research Center. Project funded to develop a state-wide information management system that links university data with NYSED certification and teacher employment data. Partnership received $50,000 from Carnegie and $50,000 match from the New York State Education Department (PI Hamilton Lankford with Nancy Willie-Schiff, Sue Weber and Pam Sandoval).
- Career Ladder Incentive Program (Indiana University Northwest, U-CLIP). Principal Investigator. Grant amount $1,029,026 over three years beginning in fall 1999. Instigated the grant application, provided needs assessment, wrote the grant narrative, and provided the evaluation plan for the USDOE Title II Higher Education Act, Teacher Recruitment Grant (with C. Reed, U-CLIP Program Director).
- K-12 Transition Partnership, Indiana University Northwest. Principal Investigator. Grant amount $154,781 over one year. I participated in conceptual development and outline of grant (with S. Wigle, G. Schultz, & C. Wiles), and wrote drafts and final copy. The grant was funded for one year beginning fall 2001.
- A Certainty of Opportunity. Principal Investigator. School, university, community collaborative between Indiana University Northwest, The Gary Community School Corporation (GCSC), and The Gary Accord. Wrote (with W. Burt, GCSC) the grant funded by the Knight Foundation for $250,000 for a "Certainty of Opportunity" for children and youth in the GCSC. This was a three-year grant (1995-96 to 1997-98).
- UTEP Phase III: The Next Generation. I participated in the development of a grant to the Lilly Endowment. This grant added
$650,000 to the Urban Teacher Education Program in 1993-94 (Principal Investigator, J. Attinasi
with C. Reed, P. Sandoval, & K. Schoon).
Selected Recognitions
- Elected to Indiana University FACET (Faculty Colloquium on Excellence in Teaching) spring 2000
- Received 1997 Indiana University "Teacher Excellence Recognition Award"
- Received 1998 Indiana University "Teacher Excellence Recognition Award"


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Melissa - posted on 04/15/2010 ( 4 moms have responded )
I have a 2 year old toddler with new baby due Sept. I was thinking about buying a Baby Bjorn so I can hold the baby and have hands free for toddler. Which Baby Bjorn have you found good and why? Active, Air, Original or Synergy?
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Founded in 1984, North Carolinians for Home Education (NCHE) is a private, volunteer organization active at the state level, serving homeschoolers in North Carolina and beyond.
Homeschooling is the view that education is best when teaching and learning are integrated into the relationships and activities of the family.
The oldest form of education, homeschooling was legally recognized in NC in 1988.
Article 39 of chapter 115C of the General Statutes defines a Homeschool in NC. The Division of Non-Public Instruction (DNPE) administers the NC law governing homeschooling practice.
How to Homeschool High Schoolers
It is our goal to have the most informative website about homeschooling in North Carolinia.
Recordings of conference workshops & lectures.
NCHE is proud to share in the work of vast network of passionate educators who serve as authors, speakers, and volunteers.
There are many groups of North Carolinians who are working to promote or practice home education. Find home educators like or near you.
Middle and High school sports include Boys Baseball, Boys & Girls Basketball, Boys & Girls Cross Country (individual & team), Golf (individual & team), Boys & Girls Soccer, Boys & Girls Swimming (individual & team), Girls Volleyball
A multi-day event occuring in Winston-Salem in late Spring featuring national and regional speakers, workshops for the curious as well as the experienced and a vendor hall of over 45,000 square feet.
Coinciding with our annual conference, NCHE hosts a graduation ceremony for NCHE members.
Our biannual Spring event in Raleigh. Meet legislators and visit state museums.
Become part of an organization devoted to serving NC homeschoolers. Help us advance our threefold purpose: PROTECT the freedom of educating at home, PROVIDE encouragement & support to families who choose home education for their children, and PROMOTE home education as an educational alternative
Help us advance NC homeschooling through our educational programs, publications, extra-curricular activities & scholarships.
Do you have a passion for home education? Find a place to employ your talents and serve with NCHE!
The following articles from this issue are available online:
Title | Author | Category |
The ADD Mom Homeschools "It ain't fittin', it just ain't fittin'," declared Scarlett O'Hara's mammy in a scene from Gone with the Wind. Many times, I have wondered if "it just ain't fittin'" for me, a mom with Attention Deficit Disorder, to homeschool my kids. |
Debby Alston | |
Fathers: Will Your Children Say "I Want to Be Like You"? A while back I received a phone call from my son who attends a Christian college in New York City. We talked about classes, girls and his lack of money; then he got to the real point of his call. |
Davis Carman | Family Life |
Are You Training Animals or Discipling Children? My wife, Debbie, and I began our journey in home education in 1981, and I have been in homeschool leadership since 1988. Therefore, I have had the opportunity to talk with many homeschool parents over the years. |
Spencer Mason | Family Life, From the President |


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WI Course Proposal
Writing Intensive (WI) courses are special offerings that require advanced planning and development. Faculty members propose a WI by submitting a WI Course Proposal Form to the WAC Program.
Proposal Form for WI Courses - REVISED Fall 2015.docx
Writing Intensive courses are special offerings that require advanced planning and development. The WI Advisory Committee understands that a final version of the syllabus for each proposed course may not be available at this time.
The WI Advisory Committee reviews the WI Course Proposal Form, the Draft Syllabus, and a one-page statement that describes the role of writing in the proposed course. Together, these documents enable instructors to communicate their plans for a WI-designated course without the need for a fully developed lesson plan, complete with assignments and due dates.