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What You Need to Know About Asteroids and Meteors
Are asteroids radioactive? Will meteors impact telecommunications? Dr. Denton Ebel, from the American Museum of Natural History, joins the News Hub. Photo: NASA.
This transcript has been automatically generated and may not be 100% accurate.
... the the ... the Astro adjusted missed me up this afternoon how close the call wasn't what telecommunications impact it will have back and mall ... right and right now on the New Saab good afternoon and welcome I'm Simon Constable ... to get some answers on the extra terrestrial rocks we have opted to enable was the curator of major rights of the mechanism of natural history here in York City the areas ... Tom thank you to bring that up to rival ... to do ... so ... the sun is the difference between a media rights and an asteroid we know that I'm a major eye as he did Hits Library at ... today and we also have an asteroid just missing with the up ... the asteroid ... is ... space rock orbiting the sun ... most of them are safely in their in their main belt between Mars and Jupiter traveling around the sun sun get gets swung inward by the gravitational force Jupiter ... primarily ... and ... indeed across the board of your nose of the dangerous ones potentially dangerous ... this one ... was special because we we scientists in general actually people in Spain saw its first ... saw ... last year and we knew it was going to come very close and that's great because we got some great up observations are ... now so it's not me to write this I mean if I won when it's hectic around a lot of ... all the radioactive ... Noll radioactive ... what's not radioactive whatsoever in fact ... the prices sees that the that concentrate radioactive elements like a radium and potassium going ... only acted really ... planets like Earth where we have a lot of water and tectonic activity and prices he's the concentrate specific elements ... in specific places ... and that's what makes some places on earth in fact naturally more radioactive than any place to go in the rest of the sources except of course the stock ... and I have so many strikes when you can you call them are only as good as the next question ... of what all great stuff that still will collect I try to live by Kiran much to ... so aam was telecommunications impacted when when this asteroid Lew very close to the up ... as far as I know there were no impact whatsoever ... we already had ... the the the scientific community that tracks the asteroids including this one when your customers had already told the communications companies ... about it ... and ... knew we knew the war between of course they or their satellites are ... then no harm done ... no no on going is good ... now we have seen in the movies of cable shooting down a asteroids and and Nietzsche writes is now possible can we do that ... well it depends how big your God is ... it depends what you mean by shooting down and shooting guns faces a sort of ... strange concept ... and frankly if we're issued at stores or break them up up would you rather be hit by Bhatia or oval ... hole that's about it ... I guess that's a tough choices net loss a little stubble one table one ... anyway will take away the day is we have to think about these things for the future of of of the civilization we live in ... to avoid paying any signs of a Delta able


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Two prosecution witnesses took the stand Tuesday and identified Shane M. Spencer as the gunman in a 2006 drive-by shooting that claimed the life of 25-year-old Luis A. Arocho-Ortiz.
Jonathan Monroy, a co-defendant in the case, told a Worcester Superior Court jury that Mr. Spencer was a back-seat passenger in his 2004 Toyota Corolla on the morning of July 29, 2006, when the vehicle approached a group of people standing outside 120 Southgate St. Testifying under a plea agreement with the prosecution, Mr. Monroy said shots rang out as his car was passing by the group.
He said he ducked down and accelerated, then turned around to see Mr. Spencer, who had been leaning out the back window, pulling himself back into the vehicle with a .22-caliber handgun in his hand. Shown the .22-caliber handgun that prosecutors allege was used to kill Mr. Arocho-Ortiz, Mr. Monroy identified it as the weapon he saw in Mr. Spencer�s hand.
Mr. Spencer, 27, formerly of 7 Mott St., is on trial on murder and firearm charges in the slaying of Mr. Arocho-Ortiz. Prosecutors allege that another man, Francisco �Tito� Rivera, who lived at 120 Southgate St., was the intended target of the shooting.
Under questioning by Assistant District Attorney Lisa Casella, Mr. Monroy said Mr. Spencer disliked Mr. Rivera because he believed Mr. Rivera had been involved in a relationship with the mother of Mr. Spencer�s child.
Mr. Monroy, who is under indictment on a charge of being an accessory after the fact to murder in the killing of Mr. Arocho-Ortiz, said he yelled at Mr. Spencer, �What�s going on? What are you doing?� after the shots were fired. Mr. Spencer did not respond, according to Mr. Monroy.
Under cross-examination by Mr. Spencer�s lawyer, Joan M. Fund, Mr. Monroy acknowledged that prosecutors had agreed to drop the accessory charge against him in exchange for his testimony in the case.
Mr. Monroy also acknowledged that in October 2006, he, Heidi O�Brien and his cousin, Francisco �Cisco� Rivas, who were both said to be passengers in his car at the time of the drive-by shooting, were arrested on unrelated robbery, kidnapping and assault charges. Mr. Monroy said the charges against all three were eventually dropped when the alleged victim failed to show up in court.
Ms. O�Brien, the next witness to take the stand, recalled being a rear-seat passenger in Mr. Monroy�s car on the morning of July 29, 2006. She said she saw a group of people standing outside 120 Southgate St. as the vehicle approached and she heard gunshots.
�Instantly, I thought we were being shot at and I ducked down,� she told the jury. �When I looked up, Shane was pulling his arm back in the car with the gun.�
She said Mr. Spencer then made a comment indicating he believed he had shot someone in the group.
In response to questions posed by Ms. Casella, Ms. O�Brien, who was 18 at the time of the shooting, acknowledged that she did not identify Mr. Spencer as the shooter when she was first questioned by police.
�I did not want to get involved in the situation. I was scared and I was young,� she said.
Ms. Fund is scheduled to resume her cross-examination of Ms. O�Brien when the trial resumes today.

subset: commoncrawl


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Randye Kaye to present at UMU October 3rd
The University of Mount Union's Department of Psychology will hold its annual Mental Health Awareness Lecture at 6 p.m. on Wednesday, October 3 in the Mount Union Theatre.
This year's speaker is Randye Kaye, author of Ben Behind His Voice: One Family's Journey from the Chaos of Schizophrenia to Hope. Kaye is a Connecticut state trainer for the National Alliance on Mental Illness and she will address the Mount Union audience on the process of coping when mental illness strikes loved ones.
Kaye is a former STAR 99.9 radio broadcaster, theater actress and a voice lender to companies such as Priceline, American Airlines and Big Lots. Kaye lends her voice talents to the Anti-Defamation League and is a voice coach with Edge Studio in New York City and Connecticut.
Kaye's motivation to write Ben Behind His Voice: One Family's Journey from the Chaos of Schizophrenia to Hope came with her own son's diagnoses with schizophrenia.
In addition to Kaye's blogging about mental health, she publicly addresses audiences who have experienced mental health issues within their own families. In her talks, Kaye hopes to inform others about the stigmas that go along with mental illness diagnoses, provide resources for those in need and spread hope to those who have been personally touched by mental illness.
This event is free and open to the public. For further information, contact Tamara Daily at 330-823-2457 or firstname.lastname@example.com.
Posted on October 1, 2012, in Uncategorized. Bookmark the permalink. Leave a comment.


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Article Summary: This article provides information on an issue that may prevent a partition residing on a basic disk from being extended in Windows Server.
To extend a partition on a Windows server, it is often necessary to delete another partition that resides on the same disk (after backing up the data in that partition, of course). After performing the deletion, if these partitions reside on a basic disk, you may find that the resulting space is not available when you try to extend the remaining partition.
When this issue occurs, the lower pane of the Disk Management console on the affected server looks similar to this:
On the server shown in the image above, the C: partition can only be extended into the 4GB of unallocated space immediately after it. The 28GB of free space is not available, even though it does not already contain a partition. The reason for this is that the free space is enclosed in an extended partition, shown by the dark green border around it.
The extended partition was created automatically by Windows when the partition that previously existed within it was created. This is necessary in order for more than three partitions to exist on a basic disk. Additional partitions will be created as logical drives within the extended partition.
In order to fully extend the C: drive to fill the remaining space on disk 0, the extended partition must first be deleted. To delete the extended partition, right click anywhere inside it, select Delete Partition, and confirm the deletion when prompted:
After the partition has been deleted, Disk Management will show contiguous unallocated space in its place:
The partition can then be extended into the unallocated space.
Identificación del artículo: SLN164113
Última fecha de modificación: 09/08/2014 12:29 PM
Muchas gracias por sus comentarios.


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The percentage of U.S. residents 65 years old or older and still working rose from 17 percent in 1990 to 25 percent in 2010.
More baby boomers are hitting the retirement age, but fewer and fewer are choosing to retire. KPCC business reporter Wendy Lee would like to speak with those are looking for work or choosing to delay retirement for financial reasons.
What can you share about your experience?
Everything you share will be read by journalists only, and your responses are confidential unless you tell us we may publish them.


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TV One's new local comedy Agent Anna finds Robyn Malcolm's title character treading a trajectory not altogether dissimilar to that of Outrageous Fortune's Cheryl West. In the absence of an errant husband and his attendant income, a middle-aged mother finds herself plunged into an unfamiliar employment environment.
In Cheryl's case she resolved to look for honest work, and Anna is reduced to selling real estate, so that's one major difference right there.
Another is the personalities of the two characters. Where Cheryl was bold and brassy, Anna is meek and mild. Indeed, Anna almost appears to have been consciously developed to be Cheryl's diametric opposite.
If so, that's completely understandable. Malcolm surely welcomes the chance to demonstrate her acting range - something she does extremely effectively - and the programme's makers would presumably prefer to avoid constant comparisons along the lines of this column's opening paragraph.
It remains to be seen whether conceiving Anna as the anti-Cheryl will especially endear her to audiences, though. In the first episode she's little more than a hapless doormat, which at best is more likely to attract a somewhat impatient sympathy than outright affection.
But given the show almost certainly intends to map Anna's journey to independent assertiveness, it really is required to present her at her lowest ebb at the beginning and demonstrate at least a glimmer of some much-needed moxie by the end. She's a fixer-upper with potential for flipping, in other words.
The same can be said for Agent Anna as a whole. It suffers from the usual opening episode issue of needing to dump a lot of exposition on the audience and introduce the cast of characters. Some of the writing is strictly by-the-numbers, but there are also some sharp lines that promise better things to come.
My favourite bit of dialogue - although how this will translate to audiences outside Auckland is anybody's guess - is delivered by real estate agent Leon: "First rule of marketing," he advises Anna, "No one appreciates a Grammar school education like a Chinese mother."
Leon's played by Adam Gardiner who, Malcolm aside, is the cast member who registers most strongly in episode one. That's both down to his character being a clearly delineated douchebag with a knack for dispensing barbed putdowns and Gardiner's finely tuned comedic instinct.
He's likely to get a run for his money from his cast-mates in future instalments. Agent Anna boasts an exceptionally strong array of actors - including Theresa Healey, Ian Mune, Sally Stockwell, and Micheala Rooney - who barely get a look in during the opening episode. And the excellent Roy Billing (The Dish, Underbelly: A Tale of Two Cities), who plays Anna's new boss, Clint, doesn't even put in an appearance.
The show could be a hot property, then; it's just a question of whether it gets the opportunity to realise that potential. As a half-hour, six-episode series, it doesn't have much time to prove its value and qualify for a second season. Although episode one wasn't enough to entirely sell me, Agent Anna remains a bright spot in the listings and, as a motivated buyer when it comes to Kiwi comedy, I'll definitely be back for a second inspection.
* Robyn Malcolm stars as Agent Anna on TV One, Thursdays at 8.30pm.


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Gramm–Leach–Bliley Act
|Other short titles
|Long title
|An Act to enhance competition in the financial services industry by providing a prudential framework for the affiliation of banks, securities firms, and other financial service providers, and for other purposes.
|Acronyms (colloquial)
|glibba, ATM Fee Reform Act of 1999
|Enacted by
|the 106th United States Congress
|November 12, 1999
|Public law
|Statutes at Large
|113 Stat. 1338
|Acts repealed
|Glass–Steagall Act
|Titles amended
|U.S.C. sections created
|12 U.S.C. § 24a, § 248b, § 1831v, § 1831w, § 1831x, § 1831y, § 1848a, § 2908
15 U.S.C. § 80b-10a
|U.S.C. sections amended
|Legislative history
The Gramm–Leach–Bliley Act (GLBA), also known as the Financial Services Modernization Act of 1999 and commonly pronounced ″glibba″, (Pub.L. 106–102, 113 Stat. 1338, enacted November 12, 1999) is an act of the 106th United States Congress (1999–2001). It repealed part of the Glass–Steagall Act of 1933, removing barriers in the market among banking companies, securities companies and insurance companies that prohibited any one institution from acting as any combination of an investment bank, a commercial bank, and an insurance company. With the bipartisan passage of the Gramm–Leach–Bliley Act, commercial banks, investment banks, securities firms, and insurance companies were allowed to consolidate. Furthermore, it failed to give to the SEC or any other financial regulatory agency the authority to regulate large investment bank holding companies.[1] The legislation was signed into law by President Bill Clinton.
A year before the law was passed, Citicorp, a commercial bank holding company, merged with the insurance company Travelers Group in 1998 to form the conglomerate Citigroup, a corporation combining banking, securities and insurance services under a house of brands that included Citibank, Smith Barney, Primerica, and Travelers. Because this merger was a violation of the Glass–Steagall Act and the Bank Holding Company Act of 1956, the Federal Reserve gave Citigroup a temporary waiver in September 1998.[2] Less than a year later, GLBA was passed to legalize these types of mergers on a permanent basis. The law also repealed Glass–Steagall's conflict of interest prohibitions "against simultaneous service by any officer, director, or employee of a securities firm as an officer, director, or employee of any member bank".[3]
- 1 Legislative history
- 2 Changes caused by the Act
- 3 Remaining restrictions
- 4 Privacy
- 5 Financial Privacy Rule
- 6 Safeguards Rule
- 7 Pretexting protection
- 8 Effect on usury law
- 9 Controversy
- 10 Amendments
- 11 See also
- 12 Notes
- 13 References
- 14 Sources
- 15 External links
Legislative history
The banking industry had been seeking the repeal of the 1933 Glass–Steagall Act since the 1980s, if not earlier.[4][5] In 1987 the Congressional Research Service prepared a report that explored the cases for and against preserving the Glass–Steagall act.[6]
Respective versions of the legislation were introduced in the U.S. Senate by Phil Gramm (Republican of Texas) and in the U.S. House of Representatives by Jim Leach (R-Iowa). The third lawmaker associated with the bill was Rep. Thomas J. Bliley, Jr. (R-Virginia), Chairman of the House Commerce Committee from 1995 to 2001.
During debate in the House of Representatives, Rep. John Dingell (Democrat of Michigan) argued that the bill would result in banks becoming "too big to fail." Dingell further argued that this would necessarily result in a bailout by the Federal Government.[7]
The House passed its version of the Financial Services Act of 1999 on July 1, 1999, by a bipartisan vote of 343–86 (Republicans 205–16; Democrats 138–69; Independent 0–1),[8][9][note 1] two months after the Senate had already passed its version of the bill on May 6 by a much-narrower 54–44 vote along basically-partisan lines (53 Republicans and 1 Democrat in favor; 44 Democrats opposed).[11][12][13][note 2]
When the two chambers could not agree on a joint version of the bill, the House voted on July 30 by a vote of 241–132 (R 58–131; D 182–1; Ind. 1–0) to instruct its negotiators to work for a law which ensured that consumers enjoyed medical and financial privacy as well as "robust competition and equal and non-discriminatory access to financial services and economic opportunities in their communities" (i.e., protection against exclusionary redlining).[note 3]
The bill then moved to a joint conference committee to work out the differences between the Senate and House versions. Democrats agreed to support the bill after Republicans agreed to strengthen provisions of the anti-redlining Community Reinvestment Act and address certain privacy concerns; the conference committee then finished its work by the beginning of November.[15][16] On November 4, the final bill resolving the differences was passed by the Senate 90–8,[17][note 4] and by the House 362–57.[18][note 5] The legislation was signed into law by President Bill Clinton on November 12, 1999.[19]
Changes caused by the Act
Many of the largest banks, brokerages, and insurance companies desired the Act at the time. The justification was that individuals usually put more money into investments when the economy is doing well, but they put most of their money into savings accounts when the economy turns bad. With the new Act, they would be able to do both 'savings' and 'investment' at the same financial institution, which would be able to do well in both good and bad economic times.
Prior to the Act, most financial services companies were already offering both saving and investment opportunities to their customers. On the retail/consumer side, a bank called Norwest Corporation which would later merge with Wells Fargo Bank led the charge in offering all types of financial services products in 1986. American Express attempted to own almost every field of financial business (although there was little synergy among them). Things culminated in 1998 when Citibank merged with Travelers Insurance creating CitiGroup. The merger violated the Bank Holding Company Act (BHCA), but Citibank was given a two-year forbearance that was based on an assumption that they would be able to force a change in the law. The Gramm–Leach–Bliley Act passed in November 1999, repealing portions of the BHCA and the Glass–Steagall Act, allowing banks, brokerages, and insurance companies to merge, thus making the CitiCorp/Travelers Group merger legal.
Also prior to the passage of the Act, there were many relaxations to the Glass–Steagall Act. For example, a few years earlier, commercial Banks were allowed to pursue investment banking, and before that banks were also allowed to begin stock and insurance brokerage. Insurance underwriting was the only main operation they weren't allowed to do, something rarely done by banks even after the passage of the Act. The Act further enacted three provisions that allow for bank holding companies to engage in physical commodity activities. Prior to the enactment of the Act those activities were limited to those that were so closely related to banking to be considered incidental to it. Under GLBA depending on the provision the institution falls into, bank holding companies can engage in physical commodity trading, energy tolling, energy management services, and merchant banking activities.[20]
Much consolidation occurred in the financial services industry since, but not at the scale some had expected. Retail banks, for example, do not tend to buy insurance underwriters, as they seek to engage in a more profitable business of insurance brokerage by selling products of other insurance companies. Other retail banks were slow to market investments and insurance products and package those products in a convincing way. Brokerage companies had a hard time getting into banking, because they do not have a large branch and backshop footprint. Banks have recently tended to buy other banks, such as the 2004 Bank of America and Fleet Boston merger, yet they have had less success integrating with investment and insurance companies. Many banks have expanded into investment banking, but have found it hard to package it with their banking services, without resorting to questionable tie-ins which caused scandals at Smith Barney.
Remaining restrictions
Crucial to the passing of this Act was an amendment made to the GLB, stating that no merger may go ahead if any of the financial holding institutions, or affiliates thereof, received a "less than satisfactory [sic] rating at its most recent CRA exam", essentially meaning that any merger may only go ahead with the strict approval of the regulatory bodies responsible for the Community Reinvestment Act (CRA).[21] This was an issue of hot contention, and the Clinton Administration stressed that it "would veto any legislation that would scale back minority-lending requirements." [22]
GLBA also did not remove the restrictions on banks placed by the Bank Holding Company Act of 1956 which prevented financial institutions from owning non-financial corporations. It conversely prohibits corporations outside of the banking or finance industry from entering retail and/or commercial banking. Many assume Wal-Mart's desire to convert its industrial bank to a commercial/retail bank ultimately drove the banking industry to back the GLBA restrictions.
Some restrictions remain to provide some amount of separation between the investment and commercial banking operations of a company. For example, licensed bankers must have separate business cards, e.g., "Personal Banker, Wells Fargo Bank" and "Investment Consultant, Wells Fargo Private Client Services". Much of the debate about financial privacy is specifically centered around allowing or preventing the banking, brokerage, and insurances divisions of a company from working together.
In terms of compliance, the key rules under the Act include The Financial Privacy Rule which governs the collection and disclosure of customers' personal financial information by financial institutions. It also applies to companies, regardless of whether they are financial institutions, who receive such information. The Safeguards Rule requires all financial institutions to design, implement and maintain safeguards to protect customer information. The Safeguards Rule applies not only to financial institutions that collect information from their own customers, but also to financial institutions – such as credit reporting agencies, appraisers, and mortgage brokers – that receive customer information from other financial institutions.
- GLBA compliance is mandatory; whether a financial institution discloses nonpublic information or not, there must be a policy in place to protect the information from foreseeable threats in security and data integrity.
- Major components put into place to govern the collection, disclosure, and protection of consumers' nonpublic personal information; or personally identifiable information include:
Financial Privacy Rule
(Subtitle A: Disclosure of Nonpublic Personal Information, codified at 15 U.S.C. §§ 6801–6809)
The Financial Privacy Rule requires financial institutions to provide each consumer with a privacy notice at the time the consumer relationship is established and annually thereafter. The privacy notice must explain the information collected about the consumer, where that information is shared, how that information is used, and how that information is protected. The notice must also identify the consumer's right to opt out of the information being shared with unaffiliated parties pursuant to the provisions of the Fair Credit Reporting Act. Should the privacy policy change at any point in time, the consumer must be notified again for acceptance. Each time the privacy notice is reestablished, the consumer has the right to opt out again. The unaffiliated parties receiving the nonpublic information are held to the acceptance terms of the consumer under the original relationship agreement. In summary, the financial privacy rule provides for a privacy policy agreement between the company and the consumer pertaining to the protection of the consumer's personal nonpublic information.
On November 17, 2009, eight federal regulatory agencies released the final version of a model privacy notice form to make it easier for consumers to understand how financial institutions collect and share information about consumers.
Financial institutions
GLBA defines financial institutions as: "companies that offer financial products or services to individuals, like loans, financial or investment advice, or insurance". The Federal Trade Commission (FTC) has jurisdiction over financial institutions similar to, and including, these:
- Non-bank mortgage lenders,
- Real estate appraisers,
- Loan brokers,
- Some financial or investment advisers,
- Debt collectors,
- Tax return preparers,
- Banks, and
- Real estate settlement service providers.
These companies must also be considered significantly engaged in the financial service or production that defines them as a "financial institution".
Insurance has jurisdiction first by the state, provided the state law at minimum complies with the GLB. State law can require greater compliance, but not less than what is otherwise required by the GLB.
Consumer vs. customer defined
The Gramm–Leach–Bliley Act defines a "consumer" as
- "an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual." (See 15 U.S.C. § 6809(9).}
A customer is a consumer that has developed a relationship with privacy rights protected under the GLB. A customer is not someone using an automated teller machine (ATM) or having a check cashed at a cash advance business. These are not ongoing relationships like a customer might have—i.e., a mortgage loan, tax advising, or credit financing. A business is not an individual with personal nonpublic information, so a business cannot be a customer under the GLB. A business, however, may be liable for compliance to the GLB depending upon the type of business and the activities utilizing individual's personal nonpublic information.
Definition: A "consumer" is an individual who obtains or has obtained a financial product or service from a financial institution that is to be used primarily for personal, family, or household purposes, or that individual's legal representative.
Examples of consumer relationships:
- Applying for a loan
- Obtaining cash from a foreign ATM, even if it occurs on a regular basis
- Cashing a check with a check-cashing company
- Arranging for a wire transfer[23]
Definition: A "customer" is a consumer who has a "customer relationship" with a financial institution. A "customer relationship" is a continuing relationship with a consumer.
Examples of establishing a customer relationship:
- Opening a credit card account with a financial institution
- Entering into an automobile lease (on a non-operating basis for an initial lease term of at least 90 days) with an automobile dealer
- Providing personally identifiable financial information to a broker in order to obtain a mortgage loan
- Obtaining a loan from a mortgage lender
- Agreeing to obtain tax preparation or credit counseling services
"Special Rule" for Loans: The customer relationship travels with ownership of the servicing rights.[23]
Consumer/client privacy rights
Under the GLB, financial institutions must provide their clients a privacy notice that explains what information the company gathers about the client, where this information is shared, and how the company safeguards that information. This privacy notice must be given to the client prior to entering into an agreement to do business. There are exceptions to this when the client accepts a delayed receipt of the notice in order to complete a transaction on a timely basis. This has been somewhat mitigated due to online acknowledgement agreements requiring the client to read or scroll through the notice and check a box to accept terms.
The privacy notice must also explain to the customer the opportunity to 'opt-out'. Opting out means that the client can say "no" to allowing their information to be shared with affiliated parties. The Fair Credit Reporting Act is responsible for the 'opt-out' opportunity, but the privacy notice must inform the customer of this right under the GLB. The client cannot opt out of:
- information shared with those providing priority service to the financial institution
- marketing of products or services for the financial institution
- when the information is deemed legally required.
Safeguards Rule
(Subtitle A: Disclosure of Nonpublic Personal Information, codified at 15 U.S.C. §§ 6801–6809)
The Safeguards Rule requires financial institutions to develop a written information security plan that describes how the company is prepared for, and plans to continue to protect clients' nonpublic personal information. (The Safeguards Rule applies to information of any consumers past or present of the financial institution's products or services.) This plan must include:
- Denoting at least one employee to manage the safeguards,
- Constructing a thorough risk analysis on each department handling the nonpublic information,
- Develop, monitor, and test a program to secure the information, and
- Change the safeguards as needed with the changes in how information is collected, stored, and used.
The Safeguards Rule forces financial institutions to take a closer look at how they manage private data and to do a risk analysis on their current processes. No process is perfect, so this has meant that every financial institution has had to make some effort to comply with the GLB.
Pretexting protection
(Subtitle B: Fraudulent Access to Financial Information, codified at 15 U.S.C. §§ 6821–6827)
Pretexting (sometimes referred to as "social engineering") occurs when someone tries to gain access to personal nonpublic information without proper authority to do so. This may entail requesting private information while impersonating the account holder, by phone, by mail, by email, or even by "phishing" (i.e., using a phony website or email to collect data). GLBA encourages the organizations covered by GLBA to implement safeguards against pretexting. For example, a well-written plan designed to meet GLB's Safeguards Rule ("develop, monitor, and test a program to secure the information") would likely include a section on training employees to recognize and deflect inquiries made under pretext. In fact, the evaluation of the effectiveness of such employee training probably should include a follow-up program of random spot-checks, "outside the classroom", after completion of the [initial] employee training, in order to check on the resistance of a given (randomly chosen) student to various types of "social engineering"—perhaps even designed to focus attention on any new wrinkle that might have arisen after the [initial] effort to "develop" the curriculum for such employee training. Under United States law, pretexting by individuals is punishable as a common law crime of False Pretenses.
Effect on usury law
Section 731 of the GLB, codified as subsection (f) of 12 U.S.C. § 1831u, contains a unique provision aimed at Arkansas, whose usury limit was set at five percent above the Federal Reserve discount rate by the Arkansas Constitution and could not be changed by the Arkansas General Assembly. When the Office of the Comptroller of the Currency ruled that interstate banks established under the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 could use their home state's usury law for all branches nationwide with minimal restrictions,[24] Arkansas-based banks were placed at a severe competitive disadvantage to Arkansas branches of interstate banks; this led to out-of-state takeovers of several Arkansas banks, including the sale of First Commercial Bank (then Arkansas' largest bank) to Regions Financial Corporation in 1998.
Under Section 731, all banks headquartered in a state covered by that law may charge up to the highest usury limit of any state that is headquarters to an interstate bank which has branches in the covered state. Therefore, since Arkansas has branches of banks based in Alabama, Georgia, Mississippi, Missouri, North Carolina, Ohio, and Texas,[25] any loan that is legal under the usury laws of any of those states may be made by an Arkansas-based bank under Section 731. The section does not apply to interstate banks with branches in the covered state, but headquartered elsewhere; however, Arkansas-based interstate banks like Arvest Bank may export their Section 731 limits to other states.
Due to Section 731, it is generally regarded that Arkansas-based banks now have no usury limit for credit cards or for any loan of greater than $2,000 (since Alabama, Regions' home state, has no limits on those loans), with a limit of 18% (the minimum usury limit in Texas) or more on all other loans.[26] However, once Wells Fargo fully completed its purchase of Century Bank (a Texas bank with Arkansas branches), Section 731 did away with all usury limits for Arkansas-based banks since Wells Fargo's main bank charter is based in South Dakota, which repealed its usury laws many years ago.
Though designed for Arkansas, Section 731 may also apply to Alaska and California whose constitutions provide for the same basic usury limit, though unlike Arkansas their legislatures can (and generally do) set different limits. If Section 731 applies to those states, then all their usury limits are inapplicable to banks based in those states, since Wells Fargo has branches in both states.
The act is "often cited as a cause" of the 2007 subprime mortgage financial crisis "even by some of its onetime supporters."[27] President Barack Obama has stated that GLBA led to deregulation that, among other things, allowed for the creation of giant financial supermarkets that could own investment banks, commercial banks and insurance firms, something banned since the Great Depression.[citation needed] Its passage, critics also say, cleared the way for companies that were too big and intertwined to fail.[28]
Mark Thornton and Robert Ekelund, economists who follow the free-market Austrian School, have also criticized the Act as contributing to the crisis, noting that the act did not at all 'deregulate' in the literal sense of the word, but merely transferred regulatory power to the regional Federal Reserve Banks. They state that "in a world regulated by a gold standard, 100% reserve banking, and no FDIC deposit insurance" the Financial Services Modernization Act would have made perfect sense as a legitimate act of so-called "deregulation", but under the present fiat monetary system it "amounts to corporate welfare for financial institutions and a moral hazard that will make taxpayers pay dearly".[29]
Another Austrian School economist, Frank Shostak, has argued that GLBA actually gave more regulation over the banking sector. He argues that with the existence of a central bank, competition among banks led to increased inflation and "rather than promoting an efficient allocation of real savings, the current "deregulated" monetary system has been channeling money created out of thin air across the economy".[30]
Nobel Prize-winning economist Joseph Stiglitz has also argued that the Act helped to create the crisis.[31] In an article in The Nation, Mark Sumner asserted that the Gramm–Leach–Bliley Act was responsible for the creation of entities that took on more risk due to their being considered "too big to fail".[32] Other critics also assert that proponents and defenders of the Act espouse a form of "eliteconomics" that has, with the passage of the Act, directly precipitated the current economic recession while at the same time shifting the burden of belt-tightening measures onto the lower- and middle-income classes.[33]
According to a 2009 policy report from the Cato Institute authored by one of the institute's directors, Mark A. Calabria, critics of the legislation feared that, with the allowance for mergers between investment and commercial banks, GLBA allowed the newly-merged banks to take on riskier investments while at the same time removing any requirements to maintain enough equity, exposing the assets of its banking customers.[34][non-primary source needed] Calabria claimed that, prior to the passage of GLBA in 1999, investment banks were already capable of holding and trading the very financial assets claimed to be the cause of the mortgage crisis, and were also already able to keep their books as they had.[34] He concluded that greater access to investment capital as many investment banks went public on the market explains the shift in their holdings to trading portfolios.[34] Calabria noted that after GLBA passed, most investment banks did not merge with depository commercial banks, and that in fact, the few banks that did merge weathered the crisis better than those that did not.[34]
In February 2009, one of the act's co-authors, former Senator Phil Gramm, also defended his bill:
[I]f GLB was the problem, the crisis would have been expected to have originated in Europe where they never had Glass–Steagall requirements to begin with. Also, the financial firms that failed in this crisis, like Lehman, were the least diversified and the ones that survived, like J.P. Morgan, were the most diversified. Moreover, GLB did not deregulate anything. It established the Federal Reserve as a superregulator, overseeing all Financial Services Holding Companies. All activities of financial institutions continued to be regulated on a functional basis by the regulators that had regulated those activities prior to GLB.[35]
Bill Clinton, as well as economists Brad DeLong and Tyler Cowen have all argued that the Gramm–Leach–Bliley Act softened the impact of the crisis.[36][37] Atlantic Monthly columnist Megan McArdle has argued that if the act was "part of the problem, it would be the commercial banks, not the investment banks, that were in trouble" and repeal would not have helped the situation.[38] An article in the conservative publication, National Review, has made the same argument, calling liberal allegations about the Act "folk economics."[39] A New York Times financial columnist and critic of GLBA conceded that GLBA had little to do with the failed institutions.[40]
- National Association of Registered Agents and Brokers Reform Act of 2013 (H.R. 1155; 113th Congress) (H.R. 1155) is a bill meant to reduce the regulatory costs of complying with multiple states' requirements for insurance companies, making it easier for the same company to operate in multiple states.[41] The bill would amend the Gramm–Leach–Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established.[42] The bill would transform the National Association of Registered Agents and Brokers (NARAB) into a clearing house that set up its own standards that insurance companies would be required to meet in order to do business in other states.[41] In this new system, however, the insurance company would only have to meet the requirements of their home state and the NARAB (only two entities), not their home state and every other state they wished to operate in (multiple entities).[41] Proponents of the bill argued that it would help lower costs for insurance companies and make insurance cheaper for people to buy.
See also
- Bank regulation
- Securities regulation in the United States
- Commodity Futures Trading Commission
- Securities Commission
- Chicago Stock Exchange
- Financial regulation
- List of financial regulatory authorities by country
- New York Stock Exchange
- Stock exchange
- Regulation D (SEC)
- Related legislation
- 1933 – Securities Act of 1933
- 1934 – Securities Exchange Act of 1934
- 1938 – Temporary National Economic Committee (establishment)
- 1939 – Trust Indenture Act of 1939
- 1940 – Investment Advisers Act of 1940
- 1940 – Investment Company Act of 1940
- 1968 – Williams Act (Securities Disclosure Act)
- 1975 – Securities and Exchange Act
- 1982 – Garn–St. Germain Depository Institutions Act
- 2000 – Commodity Futures Modernization Act of 2000
- 2002 – Sarbanes–Oxley Act
- 2003 – Fair and Accurate Credit Transactions Act of 2003
- 2006 – Credit Rating Agency Reform Act of 2006
- 2010 – Dodd–Frank Wall Street Reform and Consumer Protection Act
- ↑ Two Republicans and four Democrats did not vote.[10]
- ↑ Sen. Fritz Hollings (D-S. Carolina) voted in favor, Sen. Peter Fitzgerald (R-Illinois) voted "present" and Sen. James Inhofe (R-Oklahoma) did not vote. A table with members' full names, sortable by vote, state, region and party, may be found at S.900 as amended: Gramm–Leach–Bliley Act, roll call 105, 106th Congress, 1st session. Votes Database at The Washington Post. Retrieved on 2008-10-09 from http://projects.washingtonpost.com/congress/106/senate/1/votes/105/.
- ↑ Independent-Socialist Rep. Bernard Sanders of Vermont voted yes; 33 Republicans and 28 Democrats did not vote.[14]
- ↑ 52 Republicans and 38 Democrats voted for the bill. Sen. Richard Shelby of Alabama (Republican, formerly a Democrat) voted against it, as did 7 Democratic Senators: Barbara Boxer (Calif.), Richard Bryan (Nevada), Byron Dorgan (N. Dakota), Russell Feingold (Wisc.), Tom Harkin (Iowa), Barbara Mikulski (Maryland) and Paul Wellstone (Minn.) Sen. Peter Fitzgerald (R-Illinois) again voted "present", while Sen. John McCain (R-Arizona) did not vote.
- ↑ Republicans voted 207–5 in favor with 10 not voting. Democrats voted 155–51 in favor, with 5 not voting. Independent-Socialist Rep. Bernard Sanders of Vermont voted no.
- ↑ Chairman Cox (September 26, 2008). "Chairman Cox Announces End of Consolidated Supervised Entities Program". press release 2008-230. SEC. Retrieved 14 March 2014.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Broome, Lissa Lamkin; & Markham, Jerry W. (2001). The Gramm–Leach–Bliley Act: An Overview. Retrieved from http://www.symtrex.com/pdfdocs/glb_paper.pdf.
- ↑ "Bill Summary & Status 106th Congress (1999–2000) S.900 CRS Summary – Thomas (Library of Congress)". Retrieved 2011-02-08.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Shanny Basar (November 9, 2012). "John Reed, Vikram Pandit Re-Consider Glass-Steagall 10 Years". Wall Street Journal.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Corinne Crawford; Borough of Manhattan Community College (January 2011). "The Repeal Of The Glass- Steagall Act And The Current Financial Crisis" (PDF). Journal of Business & Economics Research. pp. 127–133.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ IB87061: Glass-Steagall Act: Commercial vs. Investment Banking, Congressional Research Service (CRS)
- ↑ John Dingell (Nov 4, 1999). House Session (Flash) (Television production). Washington, DC: C-SPAN. Event occurs at 03:02:11. Program ID 153391-1.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ H.R.10: Financial Services Act of 1999, EH, July 1, 1999, Engrossed as Agreed to or Passed by House, Library of Congress
- ↑ Consideration of H.R.10: Financial Services Act of 1999, All Congressional Actions & Reports of H.R.10, Congressional Record
- ↑ Congressional roll-call: H.R.10 as amended: Financial Services Act of 1999, Record Vote No: 276, July 1, 1999, Clerk of the United States House of Representatives
- ↑ S.900: Financial Services Modernization Act of 1999, ES, May 6, 1999, Engrossed as Agreed to or Passed by Senate, Library of Congress
- ↑ Consideration of S.900: Financial Services Modernization Act of 1999, All Congressional Actions & Reports of S.900, Congressional Record
- ↑ Congressional roll-call at S.900 as amended: Financial Services Modernization Act of 1999, Record Vote No: 105, May 6, 1999, U.S. Senate Roll Call Votes.
- ↑ Congressional roll-call: On Motion to Instruct Conferees – S.900: Financial Services Modernization Act of 1999, Record Vote No: 355, July 30, 1999, Clerk of the U.S. House. Sortable unofficial table: On Motion to Instruct Conferees, Financial Services Modernization Act, roll call 355, 106th Congress, 1st session, Votes Database at The Washington Post, retrieved on October 12, 2008.
- ↑ "Republicans' Revised Banking Bill Greeted With Veto Promise", Washington Post, October 13, 1999, p.E03
- ↑ The War on CRA: Opportunity in Next Wave of Mergers, Cincotta, National Housing Institute, 1999
- ↑ Congressional roll-call: S.900 as reported by conferees: Financial Services Act of 1999, Record Vote No: 354, November 4, 1999, Clerk of the Senate. Sortable unofficial table: On Agreeing to the Conference Report, S.900 Gramm-Bliley-Leach Act, roll call 354, 106th Congress, 1st session Votes Database at The Washington Post, retrieved on October 9, 2008
- ↑ Congressional roll-call: On the passage of S.900: Financial Services Act of 1999, Record Vote No: 570, November 4, 1999, Clerk of the U.S. House. Sortable unofficial table: On Agreeing to the Conference Report, S. 900 Financial Services Modernization Act, roll call 570, 106th Congress, 1st session Votes Database at The Washington Post, retrieved on October 9, 2008
- ↑ "S. 900: Gramm–Leach–Bliley Act", 106th Congress – 1st Session, GovTrack.us.
- ↑ "Physical commodity activities: Too risky for banking organizations?" (PDF). http://www.pwc.com/us/en/financial-services/regulatory-services/publications/frb-physical-commodities-anpr.jhtml. PwC Financial Services Regulatory Practice, January, 2014. External link in
|website=(help)<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Community Reinvestment Act Amendments in the Gramm–Leach Act, additional text.
- ↑ Compromise over Community Reinvestment Act crucial to repeal of Glass-Steagall
- ↑ 23.0 23.1 FTC (June 18, 2001). "The Gramm–Leach–Bliley Act Privacy of Consumer Financial Information". Federal Trade Commission Bureau of Consumer Protection Division of Financial Practices. FTC. Retrieved 25 October 2011.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ http://www.occ.gov/interp/mar98/int822.pdf
- ↑ http://www.arkansas.gov/bank/authority.html
- ↑ http://www.arkbar.com/Ark_Lawyer_Mag/Articles/UsuryWinter04.html
- ↑ Leonhardt, David. Washington's Invisible Hand, September 26, 2008 New York Times
- ↑ Ten Questions for Those Fixing the Financial Mess. Wall Street Journal. March 10, 2009.
- ↑ Ekelund, Robert; Thornton, Mark (2008-09-04). "More Awful Truths About Republicans". Ludwig von Mises Institute. Retrieved 2008-09-07.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ http://mises.org/daily/4100
- ↑ Who's Whining Now? Gramm Slammed By Economists. ABC News. Sept. 19, 2008.
- ↑ Sumner, Mark – John McCain: Crisis Enabler. The Nation. September 21, 2008.
- ↑ DeGraw, David (2010-02-15). "The Economic Elite Vs. The People of the United States of America – Part I". Ampedstatus.com. Retrieved 2012-05-20.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ 34.0 34.1 34.2 34.3 Calabria, Mark A. (July–August 2009). "Did Deregulation Cause the Financial Crisis?" (PDF). Cato Institute. Retrieved 2009-07-28.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Phil Gramm, "Deregulation and the Financial Panic", opinion pages of The Wall Street Journal, published and retrieved on February 20, 2009
- ↑ Who Caused the Economic Crisis?. FactCheck.org October 1, 2008.
- ↑ Bartiromo, Maria (2008-09-24). "Bill Clinton on the Banking Crisis, McCain, and Hillary". BusinessWeek. Retrieved 2008-10-05.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ Hindsight regulation. Megan McArdle. Atlantic Monthly. September 16, 2008
- ↑ Villain Phil. National Review. September 22, 2008.
- ↑ Andrew Ross Sorkin (May 22, 2012). "Reinstating an Old Rule Is Not a Cure for Crisis". New York Times.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ 41.0 41.1 41.2 Kasperowicz, Pete (10 September 2013). "House votes to streamline cross-state insurance sales". The Hill. Retrieved 11 September 2013.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- ↑ "H.R. 1155 – Summary". United States Congress. Retrieved 11 September 2013.<templatestyles src="Module:Citation/CS1/styles.css"></templatestyles>
- Financial Privacy: The Gramm–Leach–Bliley Act, Federal Trade Commission, 1999
- Gramm–Leach–Bliley Act,15 USC, Subchapter I, Sec. 6801–6809, Disclosure of Nonpublic Personal Information, FTC, 1999
- Mike Chapple, Gramm–Leach–Bliley and You, November 18, 2003
- Robert H. Ledig, Gramm–Leach–Bliley Act Financial Privacy Provisions:The Federal Government Imposes Broad Requirements to Address Consumer Privacy Concerns
- The Gramm–Leach–Bliley Act: The Financial Privacy Rule, Federal Trade Commission
- In Brief: The Financial Privacy Requirements of the Gramm–Leach–Bliley Act, Federal Trade Commission
- The Gramm–Leach–Bliley Act — "History of the GLBA", Electronic Privacy Information Center
- Financial Institution Privacy Protection Act of 2003 — 108th CONGRESS, 1st Session, S. 1458, "To amend the Gramm–Leach–Bliley Act to provide for enhanced protection of nonpublic personal information, including health information, and for other purposes.", In the Senate of the United States; July 25 (legislative day, JULY 21), 2003, Library of Congress
- Testimony of (Federal Reserve) Governor Laurence H. Meyer: Merchant banking, Federal Reserve Bank
- Martin McLaughlin, Clinton, Republicans agree to deregulation of US financial system, World Socialist Web Site, November 1, 1999, retrieved on October 9, 2008
External links
Compliance information
- Gramm–Leach–Bliley Act, 15 USC, Subchapter I, Sec. 6801–6809 – Disclosure of Nonpublic Personal Information
Consumer/client rights information
- Disclosure of Nonpublic Personal Information
- What Can You Do To Protect Your Privacy
- Privacy Choices for Your Personal Financial Information
- Pretexting: Your Personal Information Revealed
History of the GLB
Congressional voting records on Gramm–Leach–Bliley Act
- CS1 errors: external links
- Articles with unsourced statements from March 2014
- Wikipedia articles needing factual verification from October 2011
- United States federal banking legislation
- United States federal privacy legislation
- United States federal computing legislation
- 1999 in law
- 106th United States Congress
- Separation of investment and commercial banking
- 1999 in economics


text:
ASHBURN, Va. (AP) — Right tackle was supposed to be the must-watch position battle for the Washington Redskins through training camp and preseason. Which of the three candidates would replace longtime favorite Jon Jansen? Would the winner be a sufficient anchor on a line that didn't perform well in the second half of last season?
The battle turned into a no-contest. Partly by default, and partly through performance, Stephon Heyer will be the starter Sept. 13 when the Redskins open the regular season at the New York Giants. The third-year player who wasn't drafted out of Maryland has shown more than the veterans brought in to compete against him.
"Stephon Heyer's way ahead of everybody, man," offensive line coach Joe Bugel said Tuesday. "He's a legit tackle. He's improved tremendously. This is his third year. He's been through all kind of torment and torture by me for three years. He deserves this opportunity. He's taking advantage of it."
Right tackle looked to be a four-way contest until late May, when the Redskins decided that age and injuries had caught up with Jansen and released him. Having failed to address the position in the draft or with a significant free agency signing, the front office put its faith into a trio of contenders: Heyer, Mike Williams and Jeremy Bridges.
Williams is an inspirational story that has yet to pay dividends on a practice field. The former first-round pick with the Buffalo Bills has lost more than 100 pounds in his bid to return to the NFL after three years away. But dehydration, a groin injury and now a sprained ankle could lead to a disappointing end to the comeback experiment.
"I'm about to the point where I'm tired of talking about this every week," Williams said, discussing his latest injury as he walked off the field this week.
And Bugel will get tired of waiting.
"I think the nagging injury, at one time you have to say, 'I'm playing.' Take an aspirin. Take an Alka-Seltzer. Let it dissolve. Play," Bugel said. "I wake up every morning hurting from head to toe. This is a violent game, you're going to be hurting."
Bridges has started 39 games at tackle and guard over six NFL seasons with Philadelphia, Arizona and Carolina, but he's looked much more at home at guard with the Redskins. He'll make the roster as a utility backup.
Meanwhile, Heyer has been setback-free. He's stronger and more flexible after spending part of the offseason in a workout program in Arizona with teammates Chris Samuels, Derrick Dockery and Williams. Plus, he's no longer being yo-yoed from left tackle to right tackle and back — his previous 12 starts over two seasons came at whichever position had an injury.
"I would not say he's there by default," coach Jim Zorn said. "He's taken every opportunity to step in there and not look back. He hasn't looked over his shoulder."
Heyer has always been a better pass-blocker than run-blocker, but Zorn thinks Heyer has improved enough that the running game will no longer be skewed to run disproportionately behind six-time Pro Bowl left tackle Samuels.
"We're not having to be left-handed," Zorn said. "You can go both ways and feel comfortable."
No NFC quarterback was sacked more than Jason Campbell last season. Clinton Portis had only one 100-yard rushing game over the second half of the year. Samuels and right guard Randy Thomas both had multiple surgeries during the offseason, raising concerns about their durability over a 16-game season. If Heyer can put the right tackle position to rest, that would be one less headache for Bugel, Zorn and company.
"I think I've come light years from where I was a couple of years ago," Heyer said. "Knowledge is power when it comes to this position the more years you're out there to experience a lot of things. I think the game has slowed down a little bit for me where I can make calls and do certain things differently."


text:
Matt Cowan
Managing Editor of Word Vietnam. Destined to be a dairy farmer until he accepted a spur of the moment job offer in Japan in 1998. After making it big in Japan, he now finds himself wrangling stories in Vietnam instead of cows in Australia. Matt has been living in Saigon since 2010.
Thursday, 22 February 2018 05:58
Capturing Form
Life drawing for everyone
Thursday, 22 February 2018 05:50
Vietnam Balloons
To infinity and beyond
Thursday, 22 February 2018 05:28
Ultra Running Machine
Saigon-based Kim Matthews is the top female ultra-marathon runner in Asia
Sunday, 21 January 2018 10:21
The Saigon Water Bus
New public transport service about to float your boat
Sunday, 21 January 2018 10:09
Food Street
Street food grows up with designated areas for street-side vendors


text:
The path to the College Football Playoff is a winding road and there are still twists and turns that need to be maneuvered before we find out who will make the final four.
Take a closer look at the 10 teams in the playoff picture and the potential obstacles they face the rest of this season:
Rest of schedule: vs. UT Martin (Nov. 8); at Alabama (Nov. 15); vs. Vanderbilt (Nov. 22); at Ole Miss (Nov. 29)
The Buzz: Mississippi State's needs to win tough games on road, with key matchups versus Alabama and Ole Miss loom. Win the SEC and you're a shoe-in for the final four.


text:
When President John F. Kennedy was assassinated on Nov. 22, 1963, I experienced, in my shock and sadness, some connections to the event.
The young president was only 13 years older than I, he at 46 and I at 33. I had once lived only a few miles from Dealey Plaza where the assassination occurred.
When President John F. Kennedy was assassinated on Nov. 22, 1963, I experienced, in my shock and sadness, some connections to the event.
The young president was only 13 years older than I, he at 46 and I at 33. I had once lived only a few miles from Dealey Plaza where the assassination occurred.
At the time of the assassination I, a native Texan, was living in my home state in San Marcos, a small town 230 miles south of Dallas. My direct linkage to the event came from my responsibilities at a small academic institution in San Marcos, Southwest Texas State College, where I taught journalism and served as director of the news service. This responsibility connected me to the news media of the area, since I supplied them with news and information about the college.
In 1963, Southwest Texas State's enrollment was about 5,000 students, which made it one of the smaller institutions of higher education in the state. Probably the best known graduate of the college was the then-vice president of the United States, Lyndon B. Johnson. Since his graduation in 1930 from Southwest Texas State, Johnson had remained close to his alma mater, often returning to the campus.
The death of President Kennedy meant that a graduate of this small and relatively unknown college moved into the most powerful office in the nation and became the world's most important leader. While Johnson was serving as vice president, national media in the United States took modest interest in his educational background. Only a few inquired about his undergraduate experience at the college. Nov. 22 changed that.
As director of the news service I began receiving requests for information about the president's undergraduate experience. That he had enrolled in 1927 as a freshman. That he was, on average, a B/C student but an A/B student as an upperclassman, and that he had never failed a course. That his best grades were in history and the social sciences. That he edited the college newspaper (one of the few student jobs that paid a salary, although small). That he was active in a student political party that succeeded in controlling the student council and thus much of campus politics. That he fell under the influence of a member of the faculty who encouraged his interest in a political career.
After Johnson became president, the media were more interested in the details of his college experience than they had been when he was vice president. Over the years I had offered tours of the campus to news media, and a few reporters had accepted this opportunity to see the campus where Lyndon Johnson had gone to college.
At every appearance of the president on campus, I hosted and assisted news media. The most involved I became occurred during the signing of the Higher Education Act of 1965. The White House called and asked me to make arrangements. Working with the college president, the decision was made to hold the ceremony in front of the iconic Main Building, the earliest building on campus.However, weather interfered, and the act was signed indoors at an undistinguished location.
My only close contact with the president came in April 1966. It was a difficult time for President Johnson. His Vietnam policy was attracting significant criticism throughout the nation, and he was increasingly unpopular. During one stay at the LBJ Ranch, he called the college president and asked to visit with a dozen faculty members, I feel sure to enjoy some relief from the drumbeat of national discontent.
Since the ranch was only minutes away from the campus by helicopter, the president flew to the college and sat down with a dozen faculty members, myself included, and student leaders. Word of the president's presence had spread across the campus, and a large crowd of students was waiting outside the Main Building when he emerged. In what surely lifted his spirits, he shook many, many hands.
The editor of the college newspaper invited President Johnson to the paper's newsroom, and the president, the former editor turned president accepted. As faculty adviser of the paper, I followed. During that visit, another sharp young student who was later to build a career as a television journalist in Austin invited the president to make a statement for a program she did on the local radio station. The president followed her into a small radio booth next to my office and taped a short statement; it was an interesting experience for me to join the president, the student and a secret service agent in the tiny studio.


text:
Labor and Employment
December 17, 2015
ACE and five other associations filed this brief with the National Labor Relations Board in the case of The New School and Student Employees at The New School – Sens UAW, involving the issue of whether graduate students serving in various graduate...
Law and the Courts
October 30, 2015
ACE and 37 other higher education associations filed this brief with the U.S. Supreme Court in Fisher v. University of Texas at Austin, as the court prepares to take a second look at UT's diversity in admissions policy.
February 4, 2015
Amicus brief to the U.S. Supreme Court regarding a case that could potentially overturn a 50-year-old patent decision.
November 21, 2014
Submitted by ACE, the Association of Governing Boards and the National Association of Independent Colleges and Universities in support of the NCAA in its appeal of the O'Bannon class-action antitrust lawsuit.
October 21, 2014
Submitted to the U.S. Court of Appeals for the Second Circuit, this brief supports the Hotchkiss School in its appeal of a lower court ruling that awarded $41.75 million to the plaintiff for allegedly suffering a tick bite while on a study-abroad...
July 3, 2014
Amicus brief submitted by ACE and four other higher education associations to the National Labor Relations Board in support of Northwestern in a case dealing with a regional director's decision to allow the university's football players to unionize.
April 18, 2014
This brief, filed by 22 higher education and accreditation organizations including ACE, was submitted in support of AACSC in this case, which is on appeal from the U.S. District Court for the Eastern District of Virginia.
April 8, 2014
ACE and a group of higher education associations filed this amicus brief in the case Glatt v. Fox Searchlight Pictures, Inc., which deals with the legality of unpaid internships.
March 28, 2014
Brief submitted to the National Labor Relations Board in a case that looks at whether a group of full-time, non-tenure-track faculty members are "managerial employees" who fall outside the scope of the National Labor Relations Act.
December 13, 2013
Submitted to the Virginia Supreme Court in support of the University of Virginia in a case dealing with the protection of various documents and emails relating to former U.Va. Professor Michael Mann's climate change research.


text:
New Healthcare Parody Video to Miley Cyrus' Wrecking Ball by Nuesoft
John Lynn is the Founder of the HealthcareScene.com blog network which currently consists of 10 blogs containing over 8000 articles with John having written over 4000 of the articles himself. These EMR and Healthcare IT related articles have been viewed over 16 million times. John also manages Healthcare IT Central and Healthcare IT Today, the leading career Health IT job board and blog. John is co-founder of InfluentialNetworks.com and Physia.com. John is highly involved in social media, and in addition to his blogs can also be found on Twitter: @techguy and @ehrandhit and LinkedIn.
We're definitely fans of the healthcare parody videos that are put out there. The healthcare IT parody video that is probably my favorite is the HL7 Interface Lady Gaga parody by Nuesoft. It's a great video that has wracked up over 20,000 views on YouTube. That's a great number for the healthcare IT niche. For comparison, this Epic Journey video has 2,000 views.
Well, the people at Nuesoft have come back with another healthcare parody video. This time they chose to take on Miley Cyrus' Wrecking Ball. Check out the video embedded below:
Here are the lyrics:
We treat, we save, our patients rave
We work, never asking why
We tried, to play, do things your way
A game, no one can deny
Don't you ever say, doctors work this way
Patient care's not up to you
We cannot sit by, see our claims denied
We want to get paid, too
The Bill came like a wrecking ball
Profit never hit so hard before
All I wanted was to get paid
All payers do is, wreck me
Yeah, you, you wreck me


text:
* denotes required field
Sunday, December 2, 2018 from 9:00am to 4:00pm
Class Size: 8
Hands-On Workshop
Learn the basic concepts of woodturning, including lathe and tool safety, basic project design, tool selection, and basic techniques for cutting and shaping both side grain and end grain. Primary tools for this class include the spindle roughing gouge, the skew, the spindle gouge, the parting
tool and the Bedan.
Students will spend part of the class learning to use each of the tools through guided practice and spend the latter part of the class using the techniques that were learned earlier in the day to create projects like finger tops, honey dippers, pestles, goblets, carvers mallet, etc. The focus of this
class is spindle turning and does not cover bowl turning.
For your safety, when attending a hands-on class, be sure to wear closed toe footwear.
Recommended Reading: Woodturning: A foundation Course by Keith Rowley
This class is considered suitable for teens who are at least 13 years of age. A parent or legal guardian must be present if a minor is to participate in the class.
Highland Woodworking reserves the right to cancel any class. Full refunds will be issued in that event. Students withdrawing from a class must notify Highland Woodworking 10 or more days prior to the beginning of the class to receive full credit or refund. No refund or credit will be issued with less than 10 days' notice. For labor intensive or multiple day courses, we reserve the right to issue special refund stipulations which will be noted in the class advertisement at the time of posting.


text:
Kid! There's some hockey going on right over there. Look at the hockey. Just turn your head a bit and...no? OK. The Metropolitan kind of sucks, I agree. And if I had a Brad Richards jersey, I'd be mad too. But seriously, those seats cost a ton of cash, you ingrate.
(Yeah, the picture's from Wednesday night. But we're just seeing it now.)
[Photo by Al Bello/Getty Images]


text:
Nobody on Capitol Hill will say it, but we can all see it. America is bleeding out with a debt crisis unprecedented in world history. World history? Isn't that an exaggeration, a bit of hyperbole for effect? No.
President Obama has kicked off 2012 by asking for a $1.2 trillion raise in the debt ceiling. The United States closed the books on 2011 with a debt load of $15.2 trillion — a record high in America's 235-year past. Piling on the misery, the debt load is a record world high as well: Peel back the pages of history and there's simply no country at any point, period or place with a $15.2 trillion debt.
If Obama's elbows are sharp enough, and he gets the debt hiked another $1.2 trillion, the increase will jack up the total U.S. debt to $16.4 trillion.
$16.4 trillion? Is this a fairy tale number? Trillion?
How is America approaching $16.4 trillion in debt and where do we consign blame? Do we run history's finger over FDR's New Deal government programs; trace our way to LBJ's Great Society master plan; poke about in the fine print of Reaganomics; tally up the bill from Bush's military spending; or guess at how much Mickey Mouse cash Obama is willing to print in the name of jobs and justice?
Meanwhile, we're breathing in the gravy train fumes of an entitlement culture that's born and bred to believe the lie: "It's my right as an American to be taken care of from cradle to grave; I deserve it."
"Give me a home, health care, happiness, and a huge satellite dish — these are my rights — my entitlements."
No wonder the Occupy Wall Street crowd beats on bongos and demands redistribution of someone else's wealth — they just might get it. But then again, what if we added up the combined wealth of the Forbes 400? How much would it be? About $1.5 trillion. Yes, the 400 richest Americans combined — top out at $1.5 trillion. Think a giant transfer of wealth from all those "robber barons" might ease the coming national debt of $16.4 trillion?
Guess again. If Uncle Sam pulled the handbrake, commandeered (stole) the bank accounts of the 400 wealthiest Americans — Bill Gates, Warren Buffett, George Soros, a bunch of Wal-Mart Waltons, Michael Bloomberg, Mark Zuckerberg, Rupert Murdoch, and about 390 other blue bloods — the United States debt would still be around $15 trillion. Come again?
Don't bother the Occupy Wall Street crowd with those statistics of inconvenience — leave them be to call for ever-more spending: "Give me luxury or give me death." They're not asking for much in the grand scheme of U.S. debt: "Forgive our college bills and redistribute some wealth" — nothing a few trillion dollars more won't solve.
Talk about sacrificing the permanent on the altar of the immediate.
President Obama fiddles away as the dollars burn and the hapless John Boehner sheds another round of tears while America is hemorrhaging debt at incomprehensible rates. What is a trillion dollars anyway? How many zeroes does it take to destroy a nation? Death of a thousand cuts.
16.4 trillion? We're drowning in debt; Obama is ticking off more golf scores from Hawaii; and a haggard bunch of Republicans have already subjected us to an agonizing amount of numbing debates (a number that feels like it should be in the trillions as well). And oh my, the Republicans have never been more serious or focused: Gingrich, Paul, Romney and Santorum. Is this a joke?
Somebody roust Theodore Roosevelt from the grave and let's give the Bull Moose Party our votes.


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Kevin Costner
Photo: Bobby Banks/WireImage.com
Kevin Costner Is A Modern Actor And Musician
Kevin Costner is a Renaissance man in the truest sense. He's an award-winning actor, director and producer; he has written music for film and television; and he is the frontman of his own band, Kevin Costner & Modern West. In an exclusive interview with GRAMMY.com, Costner discussed his latest project with Modern West, Famous For Killing Each Other: Music From And Inspired By Hatfields & McCoys, creative influences and musical mentors, among other topics.
"The thing about music is I can be with my friends and we can make music and there's some kind of bond that comes with just being in the room together," said Costner. "I get a lot just from the camaraderie. Sometimes when the guitars are set down, the discussions that come out of it are very satisfying."
Born and raised in Southern California, Costner earned his renown as an actor in films such as Silverado (1985), The Untouchables (1987), Bull Durham (1988), and Field Of Dreams (1989). Costner made his directorial debut in 1990 with Dances With Wolves, a film he also starred in and co-produced. The film earned Costner Academy Awards for Directing and Best Picture, as well as a nomination for his acting performance in the film. Costner landed additional starring roles in Robin Hood: Prince Of Thieves (1991) and The Bodyguard (1992), among others, the latter of which also starred the late Whitney Houston.
In 2008 Swing Vote was released, which marked the first film under Costner's production company, Treehouse Films. That same year, Costner released Untold Truths, the debut album from Kevin Costner & Modern West, and kicked off a summer tour, which included a performance at Durham Bulls Athletic Park in Durham, N.C., as part of the 20th anniversary celebration of Bull Durham. Modern West subsequently released 2010's Turn It On and 2011's From Where I Stand.
Released in May, Famous For Killing Each Other… is the soundtrack to the TV miniseries "Hatfields & McCoys," for which Costner earned an Emmy in 2012 for Outstanding Lead Actor in a Miniseries or a Movie. The soundtrack features 19 tracks, eight of which were co-written by Costner, including "I Know These Hills" and "Oh, Malley-Mae," the latter of which is written and performed by Costner's daughter, Lily Costner. The album peaked at No. 6 on Billboard's Top Soundtracks list.
Costner currently has several films in production, including Man Of Steel, The Explorers Guild and McFarland. He is scheduled to perform select tour dates with Modern West in November and February 2013.


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Callisons' Seasoned Skewers Flavor From the Inside Out
Callisons' Seasoned Skewers make it easy to impart exotic flavors to meats and other foods on the grill or in the kitchen.
Barbecue, that very American way of flavoring and grilling meats, has its history in the Native American Indian populations. Spanish explorers observed the Cherokees and Creek Indians of the Carolinas using crude wooden racks to smoke or dry fish, birds and meats. As they grew accustomed to the idea, the Spanish added beef and pork as meat components.
BBQ in the U.S. has many regional variations and traditions. Traditionally, the flavor has been added by either the material burned in the fire (woods, charcoal, etc.) or by rubs or marinades placed on top of the food. The problem with all of these methods is the need to use large amounts of flavoring material or having to prepare the meat hours or even days ahead to get the flavor fully infused into the meat.
I. P. Callison & Sons, Lacey, Wash., is a family-owned supplier of botanical oils and flavors that has been responsible for putting the mint flavoring into chewing gum since 1903, but it had not had a consumer product before. Company officials rethought the barbecue process and the tools that are used and came up with the idea of putting the flavor into the skewer and letting it migrate from the inside of the food.
The company formed a new division, Callisons Fine Foods (www.seasonedskewers.com) in Seattle, and set out to create premium flavorings that also would be part of the cooking process and could clean up easily. The key was to leverage simple, no-fail cooking options that will still add unique flavor. The result is Seasoned Skewers.
Callisons makes six varieties of Seasoned Skewers: Thai Coconut Lime, Citrus Rosemary, Indian Mango Curry, Honey Bourbon, Mexican Fiesta and Garlic Herb. For this review, we focus on Garlic Herb.
Understanding the marketplace
Americans are cooking less, looking for meals with fewer steps and choosing convenient foods (not just simple to prepare, but also easy to clean up) that are healthy. Yet we still want to feel that we actually "prepared" a meal.
We also are a nation of immigrants. Our cuisine styles have become more varied, with Italian, Chinese and Mexican now considered the norm. Thai, Caribbean, South American, Soul Food and Cajun are trendy cuisine styles. We like flavor and want more. Any cooking method that adds flavor without adding calories or fat is a sure winner.
The seasonings, herbs and spices category has grown 1-2 percent a year between 2000 and 2005, generally following overall U.S. population growth, according to Mintel Intl., and has a market size of $2.15 billion. The big driver of this mature category is seasoning blends with more diverse ethnic flavors and spicy hot seasonings. Garlic and herb ingredients were the largest growth categories of seasonings in 2005.
This category breaks down into seasonings and seasonings and sauce mixes. Seasonings have just less than 80 percent of the market, with seasonings and sauce mixes having the other 20-plus percent. Seasonings grew 3 percent between 2003 and 2005 to $1.7 billion. Seasoning and sauce mixes decreased 3.4 percent in the same period to $400 million.
Private label growth has been substantial, so this mature category needs to become more value-added to drive overall margin growth. Seasonings and spices are pantry staples and have a 91 percent penetration rate, according to a Simmons National Consumer Survey in 2003. They are in danger of becoming commodities. At retail, consumers see McCormick, Morton, Lawry's, Tone Brothers, Best Foods and General Mills as key brands, along with private label.
Spices are used most often in scratch cooking by women and replaced when they run out. BBQ seasoning is more of a man's world.
So how to get barbecueing men to use a different seasoning than the traditional one that is drizzled on top? Callisons has taken an idea that is intuitively obvious, uniquely healthy and provides flavored foods in less time. The flavor is in the stick and so is easy to prepare, fits grilling behavior and is easy to clean up.
Callisons understands consumers need flavor that is easy to add. Marinades take hours, rubs take knowledge of how to use them, flavored burning materials take different know-how. What is simpler than sticking a flavor stick into the food, allowing it to sit in the refrigerator for 15 minutes and then throwing it on the grill, having the flavor migrate out from the inside of the food? The stick even can make the entrée a hand-held food. When the meal is done, the stick is easily thrown away.
Key ideas that can impact the category are convenience, flavor and healthfulness.
Convenience: Ease of cooking has always been a key focus. Grilling usually has been the province of men in most industrialized countries. The food tastes good, grilling can be fun (from the Weber out back to the George Forman in the kitchen) as it is very interactive. The key to grilling is its ability to range from simple to sophisticated. Increasingly expert grilling has been the focus for several decades. Making it simple has only returned in the past few years.
Flavors: It is expected that as the U.S. population becomes more ethnically diverse, there will be an increase in flavor experimentation. The issue is how to leverage this without creating too many SKUs. What is clear is, with our fast paced lifestyles, we search out familiar flavors as the norm and then will experiment with more diverse flavors. Easy-to-use flavor blends give an appearance of knowing how to cook without actually being an expert.
Healthfulness: Seasonings can deliver flavor and health or its halo. Consumers, who are trying to cut back on fat, sugar and salt intake, already know seasonings fit these healthier diets. Some seasonings (garlic, onion, etc.) have health benefits or associations with them. Most seasoning forms use the outside of the food to adhere to, and then fall off during cooking or eating. Adding seasoning inside the food gives more flavor.
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Stool Analysis for Giardiasis
Examination Overview
A stool sample is collected and analyzed for the presence of the parasite G. lamblia or its cysts. The stool sample may be collected at home, in the doctor's office, or in the hospital.
If the stool is collected at home, it may help to have a bowel movement directly into a plastic bag taped to the toilet seat or into a plastic "hat" provided by your doctor. It is very important to wash your hands after collecting the sample, to avoid spreading a possible infection to others.
Why It Is Done
A stool analysis is done if the medical history and symptoms show that you may have giardiasis. A stool analysis also may be able to find other parasites as well as Giardia lamblia and may be helpful when the diagnosis is unclear.
If a giardia infection is present, the parasite or its cysts can be seen when the stool is looked at under a microscope. Evaluating 3 stool samples detects up to 90% of Giardia lamblia infections.
If giardiasis is suspected, an antigen test may be done on the stool or a sample of the fluid from the small intestine (duodenal contents). Fluid from the small intestine may be collected by endoscopy.
What To Think About
People may have symptoms before the parasite shows up in their stool. So a single stool sample taken when symptoms first appear often does not contain any parasites. For an accurate diagnosis, most doctors recommend analyzing at least 3 samples, collected on alternate days.
To reduce costs, you may want to wait for the results of the first analysis before doing a second or third test. If Giardia lamblia is found in the first test (positive result), no more tests are needed.
People with chronic giardiasis tend to pass large numbers of the parasite in their stools at about 2-week intervals. If chronic giardiasis is suspected, 3 stool samples may be collected 4 to 7 days apart to maximize the chances of finding the parasite. Stools may also be collected when the person is passing loose (rather than formed) stools. More parasites seem to be passed in loose stools.
Substances that may interfere with test results include:
- Antacids and antidiarrheals.
- Antibiotics.
- Antiparasite drugs.
- Barium (a contrast material used for X-rays).
- Enemas or laxatives.
If possible, these products should be avoided for 2 weeks before collecting a stool sample.
Complete the medical test information form (PDF) (What is a PDF document?) to help you prepare for this test.
Related Information
Current as of: March 3, 2017
This information does not replace the advice of a doctor. Healthwise, Incorporated disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use and Privacy Policy. Learn how we develop our content.
To learn more about Healthwise, visit Healthwise.org.
© 1995-2018 Healthwise, Incorporated. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.


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To change sides in a debate, feud or political party. Usually used to refer to real-life events, as opposed to fictional. From the wrestling term "face/heel turn", where a wrestler suddenly becomes a good or bad guy
Ronald Reagan did a Specturn years before Arlen did when he went from Democrat to republican
by VBartilucci April 29, 2009
buy the domain for your foodie site


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mines bellajennie because I work at an Italian restaurant with my sis where its brand standard to put 'bella' before your name, and sad as you like, but we've now got into the habit of using at home so thats how i'm 'bella jennie'. But I am very beautiful as well....no I'm joking...almost!
Jen x x x


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James Danforth "Dan" Quayle (pronounced /ˈkweɪl/; born February 4, 1947)[1][2] was the 44th Vice President of the United States, serving with President George H. W. Bush (1989–1993). He served as a U.S. Representative and U.S. Senator from the state of Indiana.
Quayle was born in Indianapolis but spent most of his childhood living in Arizona. He obtained his J.D. from Indiana University School of Law – Indianapolis in 1974 and married Marilyn Tucker in 1972. He practiced law in Huntington, Indiana with his wife before being elected to the United States Congress in 1976, aged 29. In 1980, Quayle entered the Senate.
In 1988, incumbent U.S. Vice-President and Republican presidential candidate George H. W. Bush called upon Quayle to be his running mate in the forthcoming election. Although this choice was met with some dismay, the Bush/Quayle ticket won the 1988 Election over Democrat Michael Dukakis. Making official visits to 47 countries and being appointed chairman of the National Space Council, Quayle's vice-presidency was considered to be very eventful. He secured re-nomination for vice-president in 1992 but the Bush/Quayle ticket was defeated by Democrat Bill Clinton and his vice-presidential nominee, Al Gore.
In 1996, he published his memoirs entitled 'Standing Firm' but declined to run for public office in this time period due to being afflicted by phlebitis. He sought the Republican presidential nomination in 2000, but withdrew and suported George W. Bush. Quayle and his wife currently reside in Paradise Valley, Arizona.
One of his sons, Ben Quayle, was elected to the House of Representatives in 2010.
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'I've noticed how much you love Valentine's Day Jem....
- by emptygoldkat, Calum's Sexican & LoveOfTheMusic
- Rating:
- Published: 25 Jan 2014
- Updated: 12 Apr 2014
- Status: In Progress
For Danica's 18th Birthday her parents brought her a ticket to Australia so she could spend it with her best friend, Katelin. Little did she know Katelin had just moved in across the street from the one and only Luke Hemmings. Slight mature content.
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George Fox provides an education that helps students grow academically, professionally and spiritually. Since our founding in 1891, we've made the integration of faith and learning central to our mission as a Christian college.
Here, you receive personal attention from professors whose first priority is teaching. Our 14-to-1 student-to-faculty ratio is among the lowest in Oregon and the region.
For a detailed description of our accreditations and memberships, visit our accreditation page.
Items with an asterisk (*) are concentrations in a major.
Contact Us Visit Campus
© 2018, George Fox University. All rights reserved.


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You're lying in bed with some kind of health problem, taking medicine and maybe getting some kind of treatment or therapy. Or maybe you're taking care of someone who's ill, and it's wearing you out. Sometimes life can feel pretty overwhelming. This might seem like a crazy idea, but now's the time for you to laugh.
Think for a minute… Is there anything close by that might cheer you up? A TV show? A book? Your child dancing?
Whatever you're doing right now, stop and find something that makes you laugh. Sure, laughter can help you forget about your troubles, but it also can help your body heal. That's right. Laughter can help your body heal.
You probably already know that your brain is in charge of things like what you think about and your ability to walk, talk, breathe, and move. But did you know that your brain also produces chemicals that affect everything from how fast your heart beats to how well you fight off disease?
Thanks to something called the mind-body connection, the simple act of laughing can tell your brain to produce chemicals that:
Scientific research backs this up: The more you laugh, the better you'll feel and the healthier you'll be. Give it a try.
Laughter is one of those things, like getting exercise or watching what you eat, that you can do yourself. Here are a few ways to laugh more:
It's easy to think that the only things that can help your health are things that others do for or to you—the medicines you take, the doctors you visit, the surgeries or operations you have. And these are all important. But laughter is effective treatment you can do for yourself. And you don't need a medical license to do it.
Other Works ConsultedMora-Ripoll R (2010). Therapeutic value of laughter in medicine. Alternative Therapies in Health and Medicine, 16(6): 56–64.
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May 16, 2011
Healthwise Staff
Medical Review:
Kathleen Romito, MD - Family Medicine & Catherine D. Serio, PhD - Behavioral Health
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To learn more visit Healthwise.org
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What are spiders?
Wherever you live, you're always close to a spider.
Find out what spiders are, where they came from and how they got around, as well as Australia's own diverse spider fauna. Spiders are arachnids not insects, but both spiders and insects belong to the largest group of animals on Earth, the arthropods (Ancient Greek: arthro = joint, podos = footed) - animals with hard external skeletons and jointed limbs .
What are the differences between spiders and insects?
Spiders have;
- two main body parts,
- eight walking legs,
- simple eyes
- piercing jaws (fangs),
- abdominal silk spinning organs,
- anterior abdominal genital opening.
Insects have three main body parts, six walking legs, compound eyes, antennae, chewing jaws (mandibles - often secondarily modified), posterior abdominal genital opening.
Relatively speaking - the Arachnida
Spiders and their relatives are called arachnids. Arachnids have the head and thorax combined (cephalothorax) with simple eyes, jaws adapted for tearing or piercing prey, a pair of pedipalps and eight walking legs.
Arachnids include spiders, scorpions, pseudoscorpions, amblypygids( tailless-whipscorpions), schizomids (micro-whipscorpiones), palpigrades, harvestmen, ticks and mites.
Spiders are the only arachnids that have special glands in their abdomen which produce silk
Midgets to monsters
A few spiders are so small and live such hidden lives that most of us never see them. Others are enormous.
Some of the smallest spiders in the world are anapid spiders, sometimes called armoured spiders because of the cuticular plates on their pinhead-sized bodies. Small spiders like anapids are usually found in damp, cool habitats like forest leaf litter and moss because their small bodies can lose water rapidly in dryer conditions. The largest spiders in the world include the South American Goliath Tarantula, some so big their legs can span a dinner plate. Such spiders may take decades to reach such a size. However, spider size is limited, partly because their respiratory physiology becomes less efficient at very large sizes.
Bodies bizarre
Many spiders have unusual body shapes and colours.
Bizarre bodies can be helpful to spiders in various ways - to deceive and ambush prey, to capture particular sorts of prey, to avoid being eaten and to attract mates.
Do you have a question or comment? Please contact our Search & Discover team.
Dr Mike Gray
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Tags arachnids, invertebrates, what is a spider, spiders,