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Doctoral Degree Programs
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Graduate School & Research Building (GSR)
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Phone: (210) 458-4331
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M.B.A. Business Administration
Basic Degree Information/Description
The Master of Business Administration (M.B.A.) is specifically designed to provide an intensive business education. Qualified candidates with an undergraduate degree in a business or non-business area are welcome to apply.
Why a UTSA M.B.A?
- Our tuition is affordable.
- We offer a flex-program. Students may decide how many credit hours per semester to take. Also, students can step out of the program for up to 2 years without having to reapply.
- Students can complete the MBA by going full-time or part-time, and can switch back and forth between the two (flex program).
- Our class sizes are small. Average size is 25 students.
- UTSA ranks 40th in the nation for part-time MBA's by Business Week.
Degree Requirements
Degree candidates must complete minimum of 36 semester credit hours of coursework beyond any hours acquired in the M.B.A. leveling courses.
For a complete list of degree requirements please see the Graduate Catalog.
Admission Requirements and Deadlines
Admission pre-requisites:
- Leveling Courses may be required. Please contact the department for more information.
Application Requirements:
- A degree seeking applicant must meet university wide requirements.
- A completed graduate studies application
- Official transcripts from all institutions attended. All international transcripts must be recorded in English or officially translated to English.
- The GMAT is preferred however upon review of the M.B.A. committee, GRE scores may be accepted in lieu of GMAT scores.
- A resume is recommended.
- Letters of Recommendation are recommended
- Statement of Purpose is required.
- Minimum TOEFL Score (for International Applicants): 550 paper/79 internet
- Minimum IELTS Score (for International Applicants): 6.5
- Additional Requirements: International students and those with international degrees may be required to submit additional documents per our admissions policies and procedures. The Graduate School reserves the right to request any additional documents needed to fairly and consistently evaluate applicant credentials.
Career Options Available for an M.B.A. Graduate
- UTSA is the only university in town with a professional and dedicated Graduate Career Services.
- Approximately, 30% of working professionals reported receiving a promotion with an average salary increase in excess of $11,000.
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Research taking place in the M.B.A.
Our professors do research in their fields which keep them current. In turn, this also helps students keep current and aware of trends/changes.
Contact Information
Graduate Advisor of the College of Business: Dan Davied, Ph.D.
Email: firstname.lastname@example.com
Telephone: (210) 458-6358
Degree Website: https://business.utsa.edu/programs/mba/
Degree Catalog Link: http://www.utsa.edu/gcat/chapter6/COB/cob.html#mba
Course Scheduling and Offerings
A majority of our MBA students are working professionals. Thus, most classes are offered in an evening format at the 1604 Campus.


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2013 and earlier-Honda CR-V Prices Paid and Buying Experience
judles79 Posts: 2Thanks for the response, Brian. We are thinking blue with grey interior.0
Have you tried any dealers in New york. Doc fee's in N.Y. are only 75. The sale price of your vehicle in N.Y. will be around 800 below invoice due to our states lower doc fee's... . Always compare price in both states to determin the market value when buying a new vehicle. RT 22 is giving you a good deal.
good job
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
Hello Kerri317,
It depends on the state. I have been doing a great deal of research. I have gotten 8 quotes in New Jersey and the lowest one on the Honda CR-V 2013 EX without options was $24,675. The quote was from BURNS Honda in South Jersey. I still plan on negotiating when and if I get there.
Hope this helps.0
Hello Everyone,
I have leanred a great deal from edmunds and really appreciate everyone experience. Thanks for sharing. I have been looking to purchase for about 1 month now. This is the offer I was given from Planet Honda on RT. 22.
TAX -------- $1,804.81 (Thought sales tax in NJ was 7% guess I was wrong)
DECOR ---- $595.00 (They said it was for hand painted pin stripe and door guards)
Online Reg -- $10.00
I would like the following options (Dealership Prices): Body Side Molding $499, Door Visors $399, Running Boards $699 and Hood Air Deflector $399.
I was not satified with Planet Honda 's price so I did not go back and did not negotiate with them. I did get another quote from BURNS Honda for:
Car --- $24,675 but have not gone to the dealer yet. The options were cheaper about $400 for everything I want.
Can anyone give me some adive on negotiating with the dealership? It is at the end of the month so I hope just showing up will make them cut the price.
Thanks for anyone that can help.0
Check out college hill honda parts. they are the, cheapest , closest price to dealers invoice price. The exact dealers invoice price on these parts are hard to find/ know but these prices are a good start and the best price on line
This is a tuff market with Crv,And Accord.... dealers do not want to discount much.
I would take into consideration buying these honda parts online and have a shop close to your house install. you most likely will save a hundreds dollars doing it this way.
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
Thanks for responding. Can you negotiate with the dealership if you bring them their on-line quote?0
I would try to get your best quote from another dealer also. Try to lower the price of your negotiated deal.
Go to the dealership the last day of this month. you always have the best leverage on this day.
Tell dealership if he wont lower price you will not buy Crv from him. make dealer match your best offer or tell them you will walk.
The only problem is dealer has your deposit. You would have to take dealership to small claims court.
This might end bad be prepared....
good luck
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
07camryguy Posts: 4Trying to get a 2013 CRV LX FWD ,in Nc, looking around $21800 + TTL, is that too low ?0
I am working with a dealer in the Atlanta, GA area and received a quote I believe can go down a few hundred to be a "best price" out the door.
2013 Honda CR-V EX AWD
$ 24,731.00 Vehicle Price ( Includes Destination )
$ 599.00 Administrative Fee
$ 1,826.93 7% tax
$ 22.00 State Fees ( Title and Lemon Law )
$ 27,947.93 Total Price / Drive Out*
*Splash Guards , Paint Protection Included
What do you think? Flexible?
I would jump on this deal in a second if the molding and edge guards were included since the total price is a few hundred more than competitors.0
I got a second quote last night from BURNS Honda in NJ. Here is what they said,
$695 ---- VEK (Vehicle Enhancement Kit) -- includes mud guards, hand painted pinstripe,
wheel locks, acid inscribed window etching, custom fit cargo tray
$337 -------- body side molding installed
$344 -------- door visors installed
$272 -------- hood air deflector installed
$7.50 ----- Tire tax
$28,723.11 ---- Total
I think this price should be lowered. From my experience of getting online quotes and going to the dealership in NJ, they alway add some type of package. One dealership added DECOR ($595) and now I see VEK ($695). I am planning to go to another dealer today and seeing what they can do for me. I will keep everyone posted. Can accessories be negotiated. Brian thanks for all the great advice you have given me. I really what to get the car for about 625 cheaper then I think it would be a good deal.
Rule number 1
Stop running around to all these dealerships wasting your time and gas.
Check dealerships inventory first.... before calling them.
Find as many dealerships that are closest to your home. Call each dealerships Internet manager and tell each one you will buy today if he meets your price offer and options wanted on vehicle. Seems like most CrV's have alot of dealer add on's..
Once you found the deal your looking for.... you could give dealer a small refundable deposit to hold car or drive to dealership to seal deal..
Do not trust any sales person telling you to come in. Internet or Sales Manager speak with first to confirm your deal..
The last 2 days of any month are the best time to buy. If you could...You buy the last day of any month this will help you get the best deal of the month. Some dealers will move a car off there lot on the last day cheaper than beginning or middle of month trying to meet that manufactorers selling incentive for the month.
good luck
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
mnc4494 Posts: 13Brian is right! You can do all this by phone and email. Everything is negotiable. If you had a quote from another dealer for less money I am sure the VEK package would go way down and possibly disappear. If you don't want it tell to leave it off your car! $695 is a lot for mud guards, wheel locks and a cargo tray.0
Mudguards online $67.... very easy to install
wheel locks...........$36..dealers cost might be $15
cargo tray.............$70
Dont let these dealers rip you off on accessories. Check online prices first
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
Does anything think tossing in an add-on to that price is asking too much?0
Cant hurt to try.
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
Thank you all of the contributors shared the buying experience.
After I read thru last 6 months of this forum, I learned many tricks in how to negotiate/buy a new car. Then, I bought a new 2013 Honda CRV EX-L 2WD. out the door price is $26,714.
Here is the breakdown:
$26,176.50 Car (including destination charge, splash guards, wheels locks, & lifetime powertrain warranty*)
$300 Tax
$39 Tag
$198.50 Closing fee/doc
*Lifetime powertrain warranty needs to pay $100 deductible each time.I can do my own maintanence like oil change & tune up.
I heard Honda's engine & transmission is very good. I hope I don't have to use the warranty!0
Hello Everyone,
I bought a first car with the 1st dealer that I went to in Maryland. I'm not sure if I got a good deal or not and was wondering if I could get some advise! I guess I can't return it but wanted some views.
Got the
CRV 2013 AWD LX with Wheel locks and Paint matched door moldings (as per the receipt)
for $23,000
plus Taxes $ 1,392
dealer processing charges $ 200
Tags $ 187
Platinum Coverage service for 100,000 miles or 7 years for $ 1,198.15 (is this a good deal? I have no clue but I agreed to pay for this).
The OTD vehicle price was $24,779 plus $1,198.15 for the extra platinum coverage.
crv_or_rdx Posts: 15Hi,
I have the following questions:
1. What is the average OTD price for the 2013 CR-V EX-L with Navigation in NJ/NY.
2. Is CR-V EX-L w/Nav a better option or Acura RDX AWD w/o Nav. Assuming (based on the consumer discussions) that Honda's navigation system is not all that great.0
Save your money......... Buy a garmin nuvi for under $200. The new models have a 5' screen, lane guidance with Arrows and Voice prompts. If you do not need blue tooth............. The Nuvi lm50 is a great machine for the price. My 2012, X-5 has the Nav and id rather use my garmin.
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
Should the tax be on the vehicle cost alone or should it be including the destination and dealer fees? I have seen people post prices both ways.
It seems the tax can be an extra $500+ if its all grouped.0
Here is your breakdown
Sale price of Vehicle plus any options/ accessories
destination charge
doc fee's
sales tax on above amount// your states tax rate
then they add after taxes dmv fee's
this total would be your out the door price/
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
ken117 Posts: 249Pin striping and door edge guards cost the dealer virtually nothing.
Nitrogen in the tires is a scam. Air is about 80 percent nitrogen. My daughter is a chemical engineer. She finds it funny people actually pay for nitrogen to be put in tires.
And of course, the dealer documentation fee is simply more profit for the dealer.
These three things actually make Planet Honda' price for the CRV $25,332 rather than $24,779.0
You should see the Accord forum these dealers are robbing people blind.
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500
hp81 Posts: 5Hi, I'm looking into getting the 2013 CRV EX FWD some time this year, but I was wondering if it is absolutely ridiculous to try to get this car for $25,000 OTD in southern California?0
For the platinum coverage, my friend negotiated to nearly 1/2 what you are paying.0
keaneding Posts: 3Just got pricing from a dealer in Atlanta:
Sale Price: 22503+Tax: 1462.70 (6.5% since March)+D.O.C(600)+Tag and Lemon etc (69)=OTD 24634.
Is it a good deal?
In addition, he mentioned "As with factory equipped drive out prices from other dealers, ours includes the quote price, destination charge, documentation fee,tax,title application and Georgia Lemon Law. Dealer accessories are not included." Am I missing sth or do I need to add some options?
Thank you for the reply.
I need to go see the dealer tomorrow. Maybe I'll cancel the extra platinum coverage if they don't reduce the price. Initially they wanted around $2,280.0
You should. It's because my friend bought the same 7yr/100000 mile warranty for 600 last summer in SC.0
Hello everyone I closed the deal this Wednesday. Think I got an OK deal in New Jersey. I paid $28,573 minus $1000 trade-in value for my Honda Civic 2000 with 189,000 miles. So my OTD price was $27,573 with 4 options: the hood air deflector, door guards, side molding and window guards. The Vehicle enhancement Kit (VEK) which was included in the price gave me mud guards, wheel locks, acid inscribed window etching and custom fit cargo tray.
This was an exhausting experience and next time I will take Brians advice and do most of my negotiating on the phone. I know the sales people have to make a living, but man dealing with them is very difficult. Overall I learned a great deal of information from peoples experiences and thanks all of you for sharing.0
Enjoy that CRV you earned it.
2016 BMW X-5 35i, 2013 Genesis 5.0 R-spec, 2012 MB ML3500

subset: commoncrawl


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Jonas Brothers Announce New Single 'Pom Poms'
The Jonas Brothers have officially announced their new single!
The guys – Kevin, Joe, and Nick confirmed the song is titled "Pom Poms" on Ryan Seacrest's radio show yesterday. It is set to be released this Spring!
PHOTOS: Check out the latest pics of Jonas Brothers
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ARE YOU EXCITED for the new JoBros song?
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Frontier Airlines sale offers $29 flights this week. Here's what you need to know.
If you want to get away for the best price, aim for a late summer flight. Sean Dowling (@seandowlingtv) has more. Buzz60
Frontier Airlines is offering a slew of cheap flights this week, including some at an eye-popping $29, to cities such as Orlando, Denver and Atlanta. But there is a catch or two to know.
The sale is tailored for for last-minute, end-of-summer getaways, with the flights available between Aug. 4 and Aug. 30. Those taking advantage need to move quickly, as these flights must be booked by this Wednesday, Aug. 2.
It covers a host of select routes, with Nashville to Orlando, Kansas City to Denver and Cleveland to Atlanta all going for $29 one way to members of Frontier's Discount Den program.
If you're not a member of Frontier's program, no worries: Those flights still go for $39.
Remember that Frontier is a bare-bones budget airline, though. The fares themselves are cheap, but the airline may ding you for extras such as carry-on bags and reserved seats.
See the more than 50 routes going for less than $50 at Frontier's site. These are the cheapest routes listed for as little as $29 to $39:
Atlanta to Cincinnati
Atlanta to Cleveland
Bismarck to Denver
Cincinnati to Atlanta
Cleveland to Atlanta
Denver to Omaha
Denver to Kansas City
Denver to Bismarck
Denver to Salt Lake City
Indianapolis to Orlando
Kansas City to Denver
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Orlando to Indianapolis
Orlando to Nashville,
Orlando to Pittsburgh
Pittsburgh to Orlando
Salt Lake City to Denver
More: Tips and tricks to find cheap weekend flights


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Mickelson soars to 10th in world rankings
Philadelphia, PA – Phil Mickelson won the Phoenix Open for the third time on Sunday and that helped him jump 12 spots to No. 10 in this week's world golf rankings.
Mickelson earned his first win in a year as his last title came at the Pebble Beach Pro-Am, which is this week's PGA Tour stop.
Rory McIlroy remained atop the rankings and was trailed again by Tiger Woods, Luke Donald, Justin Rose and Louis Oosthuizen.
Brandt Snedeker, who was runner-up for the second straight week, inched up one to No. 6 and that bumped Adam Scott down to seven. Lee Westwood and Bubba Watson stayed put at eight and nine.
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Stephen Gallacher won the European Tour event in Dubai and jumped 51 places to No. 60.


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Thousands of pallets burned up and a storage shed was destroyed Wednesday afternoon in a fire at Lanier Pallet Recycling, located on Hwy. 334 just south of Commerce.
The cause of the blaze was not immediately known, but a spark from the business' incinerator is considered likely, a company spokesperson said. Strong winds quickly spread the fire across the company's lot.
Fire departments from all over the county responded, with tanker trucks shuttling between the fire and fire hydrants — and to a pond at Huber Engineered Woods — to bring water to the scene.
"We lost 25,000 pallets, two buildings, a tractor, a trailer, several pieces of equipment, but no lives," commented Michelle Lewis, who with her husband owns the business, which employs 17. She said local fire personnel "did an excellent job" in bringing the fire under control and limiting damage.
The Department of Transportation closed Hwy. 334 and detoured traffic around the scene.
"Units from all fire departments in Jackson Count, Jackson County Rescue, Jackson County EMS, Banks County Fire and Madison County Fire responded," wrote Steve Nichols, director of the county's Department of Emergency Services, in a memo to county manager Darrell Hampton. "Approximately 30 units responded with approximately 100 persons on the scene for assistance."
The fire started at about 12:15 and was brought under control at about 4 p.m., according to Nichols. The blaze rekindled early Thursday morning and fire crews were sent back. The flare-up damaged the back of one of the two remaining buildings, Mrs. Lewis said.
The fire also knocked out power for some 363 Jackson EMC customers. Crews worked into the night to restore power.
Firemen from all over Jackson County responded to the fire at Lanier Pallet Wednesday afternoon.
Fire heavily damages Lanier Pallet
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QuoteWhat you want to do is make it so the direction of the total force on the pizza is orthogonal to it's plane.Which is more or less what happens if the pizza box were rigidly attached to the motorcycle frame, such that it's horizontal when the m/c is straight up and down, rather than being "actively stabilized".
What you want to do is make it so the direction of the total force on the pizza is orthogonal to it's plane.
We're trying to prevent a pizza from crumpling into the side of a box when the bike is tilted at up to a 45 deg angle.2. We're also trying to make a horizon-locked platform on a bike because it's awesome and if we try, we can. 3. The net force is not orthogonal to the lean angle of a motorcycle. In theory, yes. In practice the rider is never leaning at the same angle as the bike.
Lol ok seriously, can someone just help me with a parts list? There's like 20 accelerometers to choose from. I also need a motor controller, gyro, shield or other components to put it all together.


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The most famous cryptocurrency was developed in 2009 by developer Satoshi Nakamoto. The payments in the system are recorded in a public ledger using its own unit of account, which is also called cryptocurrency. Payments work peer-to-peer without a central repository or single administrator, which has led the US Treasury to call cryptocurrency a decentralized virtual currency. Although its status as a currency is disputed, media reports often refer as a cryptocurrency or digital currency.
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The Ultimate Cozy: Kitchen Fireplaces
I am wholly romantic when it comes to fireplaces. I love their warmth and the crackling sound the wood makes as it burns and turns to ash. Given their natural coziness, it must be idyllic having one in the kitchen, don't you think?
While I like the look of contained gas fireplaces, like you see in photos #8 and #10, wouldn't it be great to have a wood fireplace that could double as a pizza oven, like the one in photo #2 — although obviously you need to be much more cautious when you're dealing with an open flame like that. (Be careful, kids and pets!)
Do you have or dream of having a fireplace in your own kitchen?
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We Have an Important Mission!
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Within this website you'll find more bassoon trivia, helpful hints and B.S. than any bassoon website. Who was the first jazz recorded jazz bassoonist? Learn more…
Did you know?
The "oon" family — the contrabassoon, bassoon, tenoroon, and all other "oons" (including the tromboon) — can make sounds like no other. The most prominent instrument, the bassoon, gets so little respect and understanding that we call it the "Rodney Dangerfield instrument". Yet the bassoon can make you swoon in a symphony solo or a tune, or cause you to laugh at a cartoon, or create the tune for a grotesque buffoon. Bassooner or later we hope their will be the sound of an oon in every home throughout the world.


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Plan 027H-0135
Click to enlarge. Views may vary slightly from working drawings. Refer to floor plan for actual layout.
Click large image to zoom.
Plan Details
Plan Features
Plan DescriptionDecorative quoins, columns and a stucco façade grace this narrow lot Sunbelt home plan. Upon entering, a curved stair will catch your eye, an elegant touch. To the left, a bow window brightens the classy dining room, the site of many memorable meals in the years to come. Sliding glass doors and an eating bar compliment the pass-thru kitchen. Family gatherings will be special in front of the great room fireplace. Take in views of nature or watch the sunset in the three-season room. A 1-car garage and a utility room complete the main level. Upstairs, four bedrooms enjoy privacy from the living areas. Ample closet space enhances the three secondary bedrooms as they share a full bath. Amenity-rich, the master suite has plenty to boast about. A trio of windows fills this room with natural light while a sizable closet and deluxe bath are sure to pamper you. When night falls, step out on to the balcony and stargaze with your loved one. Fashioned with Mediterranean flair, this two-story house plan works well for a large family.
CAD files and reproducible masters not available in Quebec, Canada.


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Revision as of 18:02, 6 February 2009 by Boris Bokowski.ca.ibm.com (Talk | contribs)
You will need a 3.5 M4 Eclipse SDK. We recommend starting with this exact build.
- Select Help > Install New Software...
- Click on the "Add Site..." button and enter the e4 0.9 M1 update site URL: http://download.eclipse.org/e4/downloads/drops/I20090206-1045/repository
- Depending on which aspects of e4 interest you, check one or more of the following (note that source components only give you source):
- e4 Resources: Description of what you will get...
- e4 SWT: This will install the ActionScript development environment which is used to generate cross-compiled SWT apps.
- e4 UI: This will install the e4 UI runtime components. To be able to run the e4 photo demo (a RCP style application), you should check everything under the "E4 UI" category: Eclipse e4 CSS, Eclipse e4 UI, Eclipse e4 CSS Source, and Eclipse e4 UI Source.
- e4 XWT: Description of what you will get...
- Click Next.
- Review the items to be installed and click Next.
- Accept (or not!) the license terms and click Finish.
You will be prompted to restart the Eclipse SDK after the installation. Click Yes to restart.
You are now ready to try out the demos:
- Resources:
- SWT: Running the cross-compile-SWT-to-Flash demos
- UI: e4 photo demo and the CSS examples
- XWT: Running the declarative UI demos


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Little Giants Post Season-Best Times at UIndy Dualby Brent Harris • January 16, 2011 Share:
Freshmen Adam Barnes and Charles Williams each produced season-best times, while sophomore diver Jake Schild scored two first-place finishes in the Little Giants' 152-89 loss at the University of Indianapolis swimming and diving dual meet Saturday afternoon.
Schild (left) won the one-meter competition with a total 213.95 points. His score of 186.30 was the top performance on the three-meter board.
Williams posted a season-best in the 200 backstroke with a time of 2:01.40 to finish in third place in the event. Barnes was right behind with a person-best time of 2:06.98. Barnes added another personal-best time in the 200-yard individual medley, finishing in 2:09.29 to take fourth place. Williams was also third in the 50 free with a time of 22.76. David Birrer was fourth in the event, finishing in 23.13.
Paul Buescher won the 200-yard breaststroke, finishing in 2.21.11. Chad Woods, Logan Rice, and Logan Falley finished 1-2-3 in the 500 freestyle. Woods touched the wall in 5:05.44. Rice's time was 5:08.38, while Falley finished in 5:21.59. Woods added a second-place finish in the 200-yard freestyle by posting a time of 1:49.91.
Adam Current, Eric Vaughn, and Birrer placed 1-2-3 in the 100 butterfly. Current finished with a time of 52.07, Vaughn was next at 53.37, with Birrer just behind at 53.64.
Evan Rhinesmith, Alex Beck, Birrer, and Wiliams combined to take second place in the 400 freestyle relay with a time of 3:20.51. Beck added a second place finish in the 100 freestyle, touching the wall in 50.11. Rhinesmith added third-place finish in the 100 breaststroke with a mark of 1:00.61. Buescher was fourth at 1:04.44.
Wabash will compete at home for the final time this season on Saturday, January 29 in a dual meet versus Illinois Wesleyan. The meet begins at 1 p.m.


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Subject: BSA/AML Compliance Examinations
Date: September 28, 2012
To: Chief Executive Officers of All National Banks and Federal Savings Associations, General Managers of Federal Branches and Agencies, Department and Division Heads, All Examining Personnel, and Other Interested Parties
Description: Consideration of Findings in Uniform Rating and Risk Assessment Systems
This bulletin summarizes refinements that the Office of the Comptroller of the Currency (OCC) has made to its guidance with respect to how examiners consider Bank Secrecy Act/Anti-Money Laundering (BSA/AML) examination findings in
These refinements reflect the OCC's longstanding policy that weaknesses in a bank's BSA/AML program are serious safety and soundness concerns that require management's prompt attention.
Consumer Compliance Rating
Management Component Rating
Risk Management and Compliance Component Ratings of ROCA
Risk Assessment System
The OCC has incorporated these refinements into interim updates of the "Bank Supervision Process," "Large Bank Supervision," and "Community Bank Supervision" booklets of the Comptroller's Handbook. Examination procedures used to evaluate the adequacy of a bank's BSA/AML compliance remain unchanged and can be found in the FFIEC Bank Secrecy Act/Anti-Money Laundering Examination Manual.
John C. Lyons Jr.


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No that is impossible. You are missunderstanding something.
Quote from: Grumpy_Mike on April 27, 2012, 07:11:15 PMNo that is impossible. You are missunderstanding something.Perhaps you could explain further?
Your divider solution that sounds like it has some promise. Would you mind explaining it a bit further with how you calculated it?


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2009-02-11 / Columnists
Pets, Pets, Pets
"I care not for a man's religion whose dog and cat are not the better for it." Abraham Lincoln
Abraham Lincoln, considered by many our greatest President, was born 200 years ago tomorrow. Volumes have been written about our 16th President's integrity, work ethic, humor and honesty, while only a few stories exist about his compassion toward animals.
An interesting piece by JFK speech writer, Ted Sorensen in the Oct. '08 Smithsonian analyzing the genius inherent in Lincoln's own writings, explains that the President knew how to use print to reach the masses. Lincoln is not remembered as an outstanding orator. Microphones, broadcasts and the Internet weren't around to amplify his average voice. In fact "four score and 7 years ago" may have been lost on the Gettysburg crowd. After the immortal speech one newspaper account didn't give Lincoln top billing but reported: "And the President also spoke."
The following animal anecdote is an example of President Lincoln's tenderness. It's an excerpt from the famous Carl Sandburg biography, and comes from the Abraham Lincoln Research Site:
"….near the end of the Civil War, Abraham and his family had been invited to visit General Ulysses S. Grant's headquarters in City Point, Virginia. The trip took place in late March 1865 about three weeks before the assassination. During his visit to City Point, the President happened to be in the telegraph hut on the day that Grant's army began the final advance of the Civil War.
In the hut Lincoln came upon three kittens. They appeared to be lost and were wandering around and meowing. Abraham picked up one of the kittens and asked, "Where is your mother?" A person standing nearby said, "The mother is dead." The President continued to pet the little kitten and said, "Then she can't grieve as many a poor mother is grieving for a son lost in battle."
Abraham picked up the other two kittens and now had all three in his lap. He stroked their fur and quietly told them, "Kitties, thank God you are cats, and can't understand this terrible strife that is going on." The Chief Executive continued, "Poor little creatures, don't cry; you'll be taken good care of."
He looked toward Colonel Bowers of Grant's staff and said, "Colonel, I hope you will see that these poor little motherless waifs are given plenty of milk and treated kindly." Bowers promised that he would tell the cook to take good care of them. Colonel Horace Porter watched the President and recalled, "He would wipe their eyes tenderly with his handkerchief, stroke their smooth coats, and listen to them purring their gratitude to him."
"Quite a sight it was, thought Porter, "at an army headquarters, on the eve of a great military crisis in the nation's history, to see the hand which had affixed the signature to the Emancipation Proclamation and had signed the commissions…from the generalin chief to the lowest lieutenant, tenderly caressing three stray kittens."
A few years before the kitten incident, when Lincoln was first elected, the family dog never made it to the White House because the President put his buddy's best interests first. Yet there would be no happily ever after.
Born circa 1855, "Fido", a yellow Retriever/Shepherd type lived with the Lincolns in Springfield, Illinois for 5 years. He was an inside dog who had claimed their horsehair sofa as his own. Fido was known to follow Abe around town, carry his newspaper and wait patiently outside the barbershop.
Since Fido was terrified of the cannons and church bells announcing Lincoln's nomination and also fearful of riding on trains, Lincoln realized that Fido might not survive the trip or living in Washington D.C. So with great sorrow, the Lincolns gave Fido to neighbors, the Roll family, but only after they agreed to a list of stipulations.
Lincoln's rules were that Fido: would not be scolded for coming in the house with muddy feet; would not be tied in the backyard; would be allowed in whenever he scratched the door; and would be permitted in the dining room during meals. The Lincolns gave the Rolls the favorite horsehair sofa, and Lincoln's sons, Tad and Willie, took Fido to a photographer. The picture seen here is actually the first photo of a Presidential dog.
Reassuring news came 3 years later when Lincoln received a letter from his former barber that said Fido was "alive and kicking" and spending most of his time with the Roll boys, same age as the Lincoln brothers. Sadly, in 1865 when the funeral train carried Lincoln back to Springfield, John Roll brought Fido to his original home to meet the mourners. Then, less than a year after Lincoln's assassination, Fido was stabbed to death by a drunken man, enraged because the friendly dog greeted him with dirty paws. The dog's tragic demise parallels his master's.
Ironically, Charles Darwin was also born 200 years ago tomorrow on the other side of the Atlantic. As we all know, Darwin's "evolving" impact on the animal kingdom is a bit different.
** Special Thanks: 4th & 5th grade Student Council members at John F. Kennedy Elementary in W. Babylon sponsored a bake sale and "Crazy Hat Day" collecting over $500 to benefit special needs of Babylon Town Shelter dogs and cats.
For Adoption at Babylon Town Shelter (643-9270) Lamar St. W. Babylon: "Rexx" an older German Shepherd Dog with a microchip that traces to a NYC shelter loves people and bonds quickly. He needs a doting home without cats. On the other hand, "Sam" in C-5 is a sweet, declawed orange cat, who rather not share his home with dogs. Female: "Jang Mi" the sweet Lhasa; "Sasha"- brindle Pit mix Cage 25; "Tyra"-Rottie mix Cage 42; purebred English Bulldog Cage 30; "Yum Yum"-senior longhair cat. Male" "Sarge"-obedient Pit mix Cage 1.


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Library and Archives Canada posts photos on Flickr
A friend of mine, professional genealogist Ruth Blair, sent me a link to an article from CBC about Library and Archives Canada's latest foray into Web 2.0 land. LAC has posted photos and documents related to Irish-Canadian history on the popular website Flickr as part of their Irish Studies Symposium. To read more about these items, please visit the article here. Next up: YouTube videos of select presentations made at the Symposium!
Labels: CBC, Flickr, Irish-Canadian, Library and Archives Canada, Ruth Blair


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Warehouse Close-out Sale!
See What is Trending in Seasonal Shops
Finding the perfect and stylish furniture for your home is quite exciting. You'll want your home furniture to match your personal style so that your home says something about your tastes and preferences. Whether your style is modern, contemporary, rustic or traditional, you'll decorate any room of your house with home furnishings in materials that complement your style and blend with your existing decor.
Create a stylish and comfortable living room since it is where you spend a lot of time relaxing with family, friends, and guests. Decorate your living room space with a modern sofa or sectional, recliner, accent table, coffee table, or bookcase can help you pull together a stylish, chic, and comfortable home.
Enjoying a meal with your family, friends, or guests is easier when you have the right dining set in your home. With comfortable chairs and sturdy table, it's easy to entertain your guest whenever you wish. The perfect dining sets combine both function and style so that you can sit comfortably and enjoy the company of your loved ones. Create a look that complements your taste or looks for the dining set that brings the room together.
Find beds and bed frames in every design that complements your personal taste and style. In any style you want it, you'll want your bedroom to be as comfortable and relaxing as it is. Because your bedroom is your hideaway after a busy day from work where you rest and relax
We at FlatFair, strive to provide our customers with flat and fair price furniture and excellent online shopping experience. We feature the latest contemporary, modern, casual, country, traditional and luxurious furniture. Every product on our website is our fight for making your home a better place.


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TOPEKA - State commerce officials say exports by Kansas companies grew by 6.46 percent in 2013, pushed by growth in the sales of cereals and other agricultural products.
The Department of Commerce released the data Thursday, showing that total exports were $12.45 billion. The state's exports have rebounded in the past three years to near levels last seen in 2008.
Canada, China, Japan and Mexico were the state's top trading partners. The department says exports to China have grown by nearly $1 billion since 2011.
Cereal exports grew by $686 million, while meat products grew by $298 million. Exports of aircraft and related parts totaled $1.86 billion, the most exported commodity in the state.


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Independence Day
Star Trek II: The Wrath of Khan
Movie, Movie
Pirates of the Caribbean: Dead Man's Chest
Slaughter of the Innocents
Eve of Destruction
Kinjite: Forbidden Subjects
Suburban Commando
The Last Castle
Star Trek: The Motion Picture
The Sword and the Sorcerer
Alien Nation
All Tom Morga photos
All Tom Morga films
Movies.com, the ultimate source for everything movies, is your destination for new movie trailers, reviews, photos, times, tickets + more! Stay in the know with the latest movie news and cast interviews at Movies.com.
Copyright © 2018 FANDANGO MOVIES.


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I am installing Oracle Applications 11i on a P4 - 1.6 512 RAM 120G HDD RH Linux 7.3. The system checks stage that test for availability or ports and other stuff takes forever. Most time I leave it overnight.
Something should be wrong. Please, if you have information on speeding this up post it.


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Polk State College President Eileen Holden said Monday that Gov. Rick Scott's "challenge" to offer a $10,000 program for a four-year degree is more like a cake walk for her school.
LAKELAND | Polk State College President Eileen Holden said Monday that Gov. Rick Scott's "challenge" to offer a $10,000 program for a four-year degree is more like a cake walk for her school.
Scott's challenge was addressed to state colleges, not universities. PSC, however, isn't one of the schools that accepted it.
That's because PSC is already highly affordable, Holden said.
"Here at Polk State, we are already delivering the best value in the region we serve," she said in a prepared statement. "We are very proud of our current price-point and the quality that we deliver for area students."
Scott called on state colleges to make it possible for students to spend $10,000 to obtain degrees in fields that best lead to jobs. He also challenged them to reduce the amount of student-loan debt needed to get an education.
PSC currently has accredited bachelor's degrees that cost students less than $14,000, she said. That's without factoring in money saved through dual enrollment credits, Bright Futures scholarships, Pell grants and other financial aid.
The school's four-year degrees are: bachelor of applied science in supervision and management, bachelor of science in nursing and bachelor of science in criminal justice.
No exact numbers were available Monday, but Holden said most students end up paying "significantly" less than $14,000 for those degrees.
Graduating with a burden of student debt is not a problem for most PSC students, she said.
"I agree with him (Scott) that student-loan debt is a big problem," she said, "and I'm proud that it isn't a problem at our institution."
More than 90 percent of PSC's graduates walk away with diplomas without such debt, Holden said.
"That says a lot about the affordability of a degree at Polk State and about the contribution we are making to the local economy," she said.
"Those students bring a degree to the workforce, and they do so without being burdened by the massive loan debts that so many other recent college graduates carry."
They also get jobs, Holden said.
Newly released data from the Florida Department of Education shows PSC led the state in preparing students to fill workforce needs.
The numbers showed 87 percent of the school's students who completed programs designed to lead to jobs in 2009-10 found employment within months.
PSC's rate of graduate employment ranked higher than the other 27 Florida College System institutions, according to FDOE.
"I share the governor's commitment to keeping costs low for students, and I look forward to working with him to identify practical funding models for higher education that do not compromise on the levels of quality Florida's citizens have a right to expect," she said.
The college has more than 12,000 students enrolled in courses for credit.
Since opening in 1964, more than 30,000 degrees have been awarded by the school.


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Alert 2006-9
Subject: Counterfeit Money Orders
Date: February 23, 2006
Description: Riverside National Bank
Counterfeit Money Orders of Riverside National Bank, Fort Pierce, Florida
To: Chief Executive Officers of All National Banks; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Director, Office of Thrift Supervision; Conference of State Bank Supervisors; Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District Counsel; and All Examining Personnel
The above-named bank has reported that counterfeit money orders, issued in the bank's name and using a correct routing number of 067011142, are being presented nationwide for payment.
The counterfeit money orders are of an unknown color but closely resemble the authentic items. The only difference appears to be that the counterfeit items contain handwritten date information. All money orders presented to date have been made out in the amount of $1,000.00.
Authentic money orders issued by the bank are green in color and contain red and blue fibers. The bank's name appears in the top-center portion of the instrument with the words "Money Order" to the right. The date field appears in the top-right area and contains a typewritten date.
For additional information and guidance or to verify the authenticity of Riverside National Bank's money orders, please contact Laz Claro, Director of Corporate Security, 2211 Okeechobee Road, Fort Pierce, FL 34950, by telephone at (321) 951-7756, by fax at (321) 722-2829, or via e-mail at [firstname.lastname@example.com].
Additional information concerning this matter that you believe should be brought to the attention of the OCC may be forwarded to:
E-mail: email@example.com
For additional information regarding other types of financial fraud, please visit the OCC's anti-fraud resource at:
Brian C. McCormally


text: The Durafit Heavy is the ultimate range of treadmills designed to take Heavy Loads, High Speeds and Intense Training sessions. The treadmill is structured around Active Usage, particularly for HIIT users, sprinters, marathon trainers but also for retirees, diabetics and regular users with several safety and comfort features. The product has a heavy frame to ensure safety and to withstand the wear & tear of daily workouts. It also has additional safety features like special Gravity Pads on ... More Info


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An armed robber held up Our Store on Holly Springs Road around 9 p.m. Thursday.
One person came into the store while another person waited outside in a light green Toyota Camry.
Further details will be given as they become available.
Armed robbery reported at Our Store
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Church hosting Muslim convention claims threats
'This is very telling of the underbelly of Islamaphobia in this country'
PASADENA, Calif. (AP) — An Episcopal church in Southern California has received hate mail since a conservative Christian group publicized the church's plans to host a Muslim organization's annual convention next weekend, the church's leadership said Thursday.
All Saint's Church in Pasadena held a news conference to publicize what it called the "hateful" emails it has received since the Washington, D.C.-based Institute on Religion & Democracy published an article on its website last week criticizing the church's plans to host the event for the Muslim Public Affairs Council.
The liberal-leaning church has received about 50 emails since Friday, many of them including a "hateful, vitriolic, demonization of Islam," the Rev. Susan Russell, church spokeswoman, told the AP. One email compared Muslims with Nazis and called them "body snatchers," while others accused church leaders of being naive pawns in MPAC's bid to spread radical Islam.


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Lunch at the five and ten: the Greensboro sit-ins: a contemporary history
Stein and Day, 1970 - Political Science - 191 pages
A detailed account of the sit-in at a Woolworth's lunch counter in Greensboro, North Carolina, in 1960, which ignited the civil rights movement in the United States.
From inside the book
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action April arrested asked Atlanta Bluford bomb boro boycott C. L. Harris campus citizens City Council civil rights closed colored crowd David Richmond Dean Gamble demonstrations dents desegregation downtown eating editorial Ezell Blair Jr February feeling felt four boys Franklin McCain George Dorsett George Roach George Simkins Gibbs girls going Greensboro College Greensboro Daily Greensboro sit-ins Guilford County high school Hogate integrate Klan knew leaders leadership letter lunch counter lunch-counter manager Mayor Roach Mayor's Committee ment merchants Montgomery bus boycott movement NAACP negotiations Negro college Negro students newspaper Nigger North Carolina Photo picketing president problem protest race racial Raleigh Ralph Johns reported seats segregation sit-down sit-ins sitting situation South Southern Regional Council started statement story talked things tion told V. O. Key variety stores violence week white students Woman's College Wool Woolworth's worth's wrote youth Zane


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This next two weeks we are doing fitness testing during PE. All students 2nd grade thru 5th will participate in a national fitness test called the FitnessGram (for more information on the FitnessGram you can visit their website at http://www.fitnessgram.net/home/. I have chosen 6 different FitnessGram tests that the students will record. These tests seek to measure four different areas of physical fitness which include flexibility, cardiovascular strength, muscular endurance and muscular strength. The primary goals of these tests are to promote enjoyable regular physical activity as well as educate students on the importance of regular physical activity. This test does not seek to attain extremely high levels of physical fitness but rather the help a majority of students to be successful at a good level of physical fitness. All students are encouraged to do their best and to stop when any test is too much. I am excited to see our wonderful Osuna students succeed these next couple weeks. New Mexico State Standard four is being met during the FitnessGram.
1. Pacer Test (Aerobic Capacity)
2. Back Saver Sit and Reach (Flexibility)
3. Shoulder Stretch (Flexibility)
4. Push-ups (Muscular Strength and Endurance)
5. Curl-ups (Muscular Strength and Endurance)
Week 22 & 23: Fitness Testing
Week 20 & 21: Cup Stacking
This week in PE we are doing Cup Stacking for the first time at Osuna Elementary! Cup stacking is team as well as individual sport. When I first discovered cup stacking I had some doubts to the benefits but as I have witnessed fellow colleagues present this unit I have seen the great results to this activity. So what is cup stacking? The name says it all it is stacking cups in certain patterns. Some of the basic stacks include the 3-3-3 stack, the 3-6-3, the 6-6 and the 1-10-1. Students are introduced to these various stacks and then given practice time. After practice they can pair and compete against their classmates. This activity helps students to use both their dominant and non-dominant hand, as well as improve hand-eye coordination. It helps students to cross the mid-line of their brain and increase brain activity. I also intend to use this activity for rainy days, indoor recess, and other unpredicted events. Right now we are borrowing cups from another school but are looking to buy our own if we can get the funding. For more information about cup stacking visit their website at http://www.speedstacks.com/. This week I am looking to meet New Mexico State Standard number 2.
Week 19: Team Juggling!
Welcome back! It was a very restful break and my elbow surgery went well and recovery is also coming along. This week we are doing a cooperative game called team juggling. This is a great unit that helps students work together and realize the importance of a team. It differs from regular juggling because 10-12 students are placed in a circle and given one ball to start. They proceed to toss it to the person across from them, then that student tosses it to a different person across from them, this continues until all players on the team have caught and thrown the ball. The pattern stays the same for the rest of the game. It continues to get harder because different equipment is added to the pattern so as many as 4 objects are going at once. When they have practiced for some time, then I time each team to see who has the least amount of drops in 1 minute. Last year we only had two teams in the whole school that didn't drop a ball for the whole minute. I also include a 5 minute session where teams can give suggestions on what they can do better and come up with strategies to help them be successful. The standard I am looking to meet is New Mexico State Standard # 5 (Check out all our standards under the Great PE Links section).


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Comfort Inns Jasper hotels are provided below. Search for cheap and discount Comfort Inns hotel rates in Jasper, TN for your personal or business trip. We list the best Comfort Inns Jasper lodging so you can review the Jasper Comfort Inns hotel list below to find the perfect place.
This technology will also provide Jasper, TN hotels & lodging that have similar star rating to Comfort Inns.Booking a group or meeting? Set up a group hotel block in Jasper TN
How should we direct your call?


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- Inside Athletics
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GREENVILLE, S.C. (Mar. 13, 2005) - The Furman Paladins defeated East Tennessee State, 7-4, in Southern Conference baseball action Sunday afternoon from Furman Stadium in Greenville, S.C. With the win, Furman raises its record to 7-8, 3-3 in SoCon games while ETSU falls to 11-2, 2-1 in conference action.
The Bucs had runners on first and second with no outs in the top of the first as Nick Crowe (Johnson City, Tenn.) was hit by a pitch and Shane Byrne (Spartanburg, S.C.) singled to left. But Furman first baseman Matthew Betsill snared a Caleb Moore (
Furman then took the early lead with a run in the bottom of the first. Nick Wajda and Andrew Greene led off the inning with back to back walks. Wajda advanced to third on a double play and would score as Betsill beat out a slow roller for an infield single.
The Bucs scored a run to tie the game in the top of the fourth. With two outs in the inning,
The Paladins regained the lead with a run in the bottom of the fourth. With one out in the inning, A.J. Davidiuk singled to right, then moved to third on a single to right-center by Betsill. Case Cassedy drove in Davidiuk with a single into right field.
ETSU manufactured a run to tie the game in top of the fifth. Junior centerfielder Matt Traylor (
Furman took a 4-2 lead with two-out rally in the bottom of the fifth. Joey Rodgers and Wajda hit back-to-back singles and Greene walked to load the bases. Davidiuk came to the plate and hit a two-run single down the left field line.
Furman's lead was cut in half as the Bucs scored a run in the top of the sixth. Crowe led off the inning with an infield single then advanced to second on a walk by Byrne. Crowe moved to third on a double-play grounder and crossed the plate on an infield single by sophomore left fielder Stephen Douglas (
The Paladins added a run to their lead in the bottom of the sixth. Joe Daysh singled up the middle with one out and moved to second on a ground out by Sam McLain. Tony Maccani then hit a RBI single through the left side to score Daysh from second.
Furman ran their lead to 7-3 with two runs in the bottom of the seventh. Wajda led off the inning with a walk, then advanced on a sac bunt by Greene. Davidiuk and Betsill followed with back-to-back singles to left, the latter scoring Wajda from third. Cassedy then hit an RBI groundout to first, scoring Davidiuk.
But that was as close as the Bucs would get as Furman closer David Mitchell was able to avoid any further damage in the final two innings.
Furman lefty Ryan Hodinka earned the win (2-1) in his first start of the season, allowing three runs on seven hits in seven innings of work. Buccaneer junior lefty Steven Calicutt (
The Bucs were led at the plate by Crowe, Byrne, Moore and Douglas who each had two hits on the day.
Davidiuk and Betsill each had three hits and drove in two runs for Furman. Wajda led the Paladins with three runs scored.
The Bucs return to action on Wednesday night at as they travel to Lindsey Nelson Stadium in


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Car Review
2012 Subaru Impreza: New Car Review
Pros: Great fuel economy; standard all-wheel drive; comfortable interior; versatile five-door wagon; IIHS Top Safety Pick
Cons: Not terribly powerful; somewhat noisy drivetrain; lack of high tech audio and infotainment features
For 2012, Subaru has completely redesigned the Impreza sedan and hatchback, making them slightly larger inside and out, with a more expressive exterior and a huge improvement in fuel economy. Although the overall length of the 2012 Impreza remains on par with last year's model, there is an additional inch added to the wheelbase allowing the rear seat to gain more head and legroom. There is also a new dash molded in the image of the Impreza's big brother, the Legacy.
Horsepower is down, but so is weight, resulting in a monumental leap forward in fuel economy, so much so that the new Impreza's city fuel economy number now matches the previous model's highway figure of 27 mpg. Of course, the standard Symmetrical All-Wheel Drive system so many Subaru owners rely on each winter is still part of the mix, as are its excellent crash test scores.
Comfort & Utility
The Impreza offers the same interior dimensions as most of its small car competitors, save for the Hyundai Elantra that has a Camry-sized backseat. Overall the Impreza's interior is a nice place to spend time, with firm and supportive seating, a number of standard features and a few upgrades such as leather seating, heated front seats, and a navigation radio. Unfortunately, most of the good stuff is reserved for the Limited trim, but the base, Premium and Sport models have enough to keep most people happy. Fair warning though, if you're looking for cutting edge high-powered audio or an infotainment system to stream apps and voice control your iPod, you'd be better off shopping something like the Ford Focus or Kia Rio.
As for utility, the five-door hatchback has it over the sedan in spades, with flat folding rear seats that drop to create a rather roomy cargo hold. The driver and passenger enjoy generous legroom, with the driver also enjoying the added benefit of a height adjustable seat and a tilt/telescopic steering wheel. Standard equipment includes air conditioning, power operation of the windows, locks and mirrors, an AM/FM/CD stereo, and a rear window defroster. The Premium trim brings cruise control, 16-inch alloy wheels, , plus steering wheel controls for the cruise, audio and Bluetooth. The Limited has all this plus leather seating, 17-inch wheels, upgraded audio with six speakers, automatic climate control, Bluetooth and iPod capability, and auto on/off headlamps.
Optional on the Premium is a power moonroof and the All-Weather Package that adds heated front seats, mirrors and windshield wiper de-icers (standard on Limited). The Limited and Premium models with the automatic transmission offer a power moonroof and a navigation radio. Subaru also offers a dizzying number of dealer installed options including remote start, a 100-watt subwoofer and premium speaker upgrade, 110-volt outlet and about three dozen different roof rack attachments to carry everything from luggage to kayaks.
The Impreza is big on capability but fairly modest when it comes to high-tech gadgetry. The Premium model features an AM/FM stereo with a MP3/WMA compatible CD player, Bluetooth hands-free phone connectivity and iPod integration accessible via the head unit or the steering wheel audio controls. The system also includes both USB and 3.5mm auxiliary input jacks.
The Limited trim features HD radio and 4.3-inch LCD screen as standard. A navigation radio that includes a 6.1-inch touchscreen, voice activation and Bluetooth music streaming, SMS text messaging capabilities and XM satellite radio with NavTraffic updates is optional.
Performance & Fuel Economy
For 2012, Subaru has jettisoned the old 2.5-liter boxer engine in favor of an all-new 2.0-liter unit. Rated at 148 horsepower and 145 lb-ft of torque, this new engine is less powerful than the old 2.5-liter engine. But what it lacks in muscle it more than makes up in fuel economy. With the standard 5-speed manual, the Impreza earns an EPA estimated 25-mpg city and 34-mpg highway (33-mpg for the five-door). Toss in the Continuously Variable Transmission (CVT) automatic transmission, and those figures climb to 27-mpg city and 36-mpg highway.
Although its not fast, the Impreza with the CVT can run from zero to 60 in about 9seconds, which is more than acceptable for a four-cylinder economy car.
Safety is a cornerstone of Subaru's commitment to its customers, which is why it should come as no surprise that, in addition to such requirements as anti-lock brakes, electronic traction and stability control and standard AWD, the Impreza also features front, front side-impact, front and rear side curtain and a driver's knee airbags. It should also not come as a surprise that the Impreza scores excellent marks in its crash tests, earning a Top Safety Pick from the independent Insurance Institute for Highway Safety (IIHS). The National Highway Traffic Safety Administration, or NHTSA, gives the 2012 Impreza four out of five stars in its front and side impact crash tests, and five stars for its performance in the rollover roof strength test.
Driving Impressions
Ok, we will tell you right off the bat that the Impreza isn't a pocket rocket, nor does it take turns like a rollercoaster on rails. But, that's not its mission. As a daily driver, the Impreza is really quite appealing and when equipped with the CVT automatic, the Impreza is pretty spritely off the line. Once you get up to speeds over 40 mph, however, there isn't a lot of reserve power for passing slower traffic. There's also a rather harsh sound at full throttle, but that's pretty standard with most CVT transmissions as the engine revs to its maximum rpm and holds there until the throttle is let up. You can save about $1,000 and go with the standard manual transmission, but we found the shifter feels rubbery and disconnected; plus, it actually delivers worse fuel economy than the automatic. For this reason we'd go with the 6-speed CVT that not only maximizes fuel economy, but includes paddle shifters that allow you to step through pre-programmed gears. Actually, a CVT has no gears, but Subaru has designed theirs to imitate the way a standard geared transmission normally operates, which we think is pretty slick.
On the road, the Impreza is surprisingly responsive, with good feedback from its electric assist power steering and a predictable, controlled feel when rounding sharp corners. But, the Impreza's real trump card is its permanently engage Symmetrical All-Wheel Drive. Although the system adds an added measure of traction on both wet and dry pavement, its real advantage can be found when snow and ice replace asphalt and painted yellow lines.
Other Cars to Consider
Suzuki SX4 - The SX4 costs less than the Impreza and its AWD can be switched off when not required. But, the SX4 doesn't hold its value as well as the Impreza, nor does it score as well in its safety tests. Suzuki dealers are also not as plentiful as Subaru.
Ford Focus - If you're the kind of person who has to be first in line at every new iPhone launch, the Ford Focus is probably the car for you. Its loaded with high-tech features such as SYNC infotainment, Sony audio and it can even parallel park itself. But, the Focus doesn't offer an AWD model and its price tag can venture close to $30,000 fully loaded.
VW Golf TDI - The diesel version of VW's Golf offers better fuel economy and a sportier ride, plus a nicer interior and better audio options. But, like the Focus, the Golf doesn't offer AWD and it costs significantly more than the Impreza.
AutoTrader Recommends
The best bang for the buck is the Impreza 2.0i Premium model, which starts around $20,000 and with all the bells and whistles tops out around $25,500. Granted, the Premium's base price isn't far from the entry-level Legacy sedan's starting figure, but you get more goodies and better fuel economy with the Impreza, plus the added advantage of the five-door model, our personal favorite.


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"Any View of Hell Needs To Pass the Moral Test."
"The God that holds you over the pit of hell, much in the same way as one holds a spider, or some loathsome insect, over the fire, abhors you, and is dreadfully provoked; his wrath towards you burns like fire…. You hang by a slender thread, with flames of divine wrath flashing about it and ready every moment to singe it, and burn it asunder…. Consider this, you that yet remain in an unregenerate state. That God will execute the fierceness of his anger, implies, that he will inflict wrath without any pity…you shall be tormented in the presence of the holy angels, and in the presence of the Lamb…. There will be no end to this exquisite horrible misery…. So that your punishment will indeed be infinite." [Jonathan Edwards, "Sinners in the Hands of an Angry God"].
The traditional doctrine of hell "is one of the chief grounds on which Christianity is attacked as barbarous and the goodness of God impugned." [C.S. Lewis The Problem of Pain, "Hell"].
So here's a question: "What would we think of a human being who satisfied his thirst for revenge so implacably and insatiably?" [Hans Kung, Eternal Life, 1984 (p. 136)]. "If this were true" (i.e., the traditional view) it would make Hitler "a third degree saint, and the concentration camps…a picnic ground." [Nels Ferre, Christian Understanding of God (p. 540)].
"As the Church's threat against all sinners and all its enemies, hell serves the holy purpose of cradle to grave intimidation." [Uta Ranke-Heinemann, Putting Away Childish Things, "Hell].
"The idea that a fully conscious creature would undergo physical and mental torture through endless time is plainly sadistic and therefore incompatible with a God who loves humanity." "In terms of justice, the traditional view of hell is simply unacceptable. It is a punishment in excess of anything that sinners deserve….Besides, no purpose is served by the unending torture of the wicked except vengeance." [Clark H. Pinnock & Robert Brown, Unbounded Love, "Hell"].
"Is it not plain that sins committed in time and space cannot deserve limitless divine retribution? Hell is the ultimate big stick to threaten people with…this monstrous belief will cause many people to turn away from Christianity." (p. 39) "What human crimes could possibly deserve everlasting conscious torture?" (p. 140) "Surely the idea of everlasting conscious torment raises the problem of evil to impossible heights." (p. 150) Any doctrine of hell needs to pass the moral test….The traditional belief….is unbiblical, is fostered by a Hellenistic view of human nature, is detrimental to the character of God, is defended on essentially pragmatic grounds, and is being rejected by a growing number of biblically faithful, contemporary scholars." (p. 165) [Clark Pinnock in Four Views of Hell, ed, Wm Crockett, Zondervan, 1992].
Is there anyone out there who still accepts the traditional view of Hell?
Is there any view of hell that has Biblical support and at the same time passes the moral test? Does annihilation? How about death by lethal injection? Limbo and/or Purgatory? What then do you say about all of the carnage of lives who are snuffed out of existence?
[Presuppositionalists, don't even start. If you cannot see that it's plausible that the traditional view of hell is unjust without having an ultimate moral standard, then you're just not thinking].


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QUETTA, Pakistan — A top Shiite leader says a protest by more than 2,000 people against a bomb attack on a bus has ended after the government assured them protection.
The protesters had blocked a major road in the capital of a restive Baluchistan province with coffins and refused to bury their dead to protest increasing militant violence targeting the minority community.
Some 28 Shiite Pakistanis were killed Tuesday in a suicide bomber attack on their bus.
Abdul Khaliq Hazara said Friday they agreed to end the protest just before midnight Thursday after assurances of protection from the government.
He said the victims would be buried later Friday.


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Futurama: Bender's Game (US - DVD R1)
Our Gabe's faith in Futurama is slowly returning, but the magic is still missing
With fuel prices skyrocketing, the Planet Express crew is sent on a dangerous mission to infiltrate the world's only dark-matter mine, after wasting valuable ounces of spaceship fuel during a spaceship demolition derby. When they arrive at the mine they discover evil industrialist Mom's even more evil than usual plan, and take drastic measures to fix the problem.
These Futurama movies have been quite the rollercoaster ride. First came Bender's Big Score, which started off really slowly, but eventually built to an emotionally satisfying conclusion, seemingly for the entire series. Then The Beast with a Billion Backs pretended none of the emotionally satisfying elements happened, and awkwardly tried to assert a different poignant finale. The trailer for the third film in the series, Bender's Game, didn't inspire a lot of enthusiasm for the continuing quality of the series, and was packed with terrible jokes and dated Lord of the Rings references. I assumed the worst, to the point that I almost didn't even want to see the film.
Bender's Game is basically one pretty good episode stretched into two with one really bad regular length episode stuck in there towards the end. There aren't any 'big idea' attempts at tear-jerking, or really any drama at all, but the scenes that take place in the normal Futurama universe are possibly the funniest since the original series was cancelled. The good section isn't up to the laugh out loud standards of the best the series had to offer, but if it had been shortened up a bit and stuck in a season set I'm pretty sure fans wouldn't consider it one of the lesser episodes. Even better, the good bits are kind of original to the series, though they surely explore some very familiar themes.
But that bad bit they crammed towards the end is just awful, easily the worst thing I've ever seen out of this creative team. This section, which is crammed in just before the climax of the final act, consists of almost all the stuff seen in those early teaser trailers. Thematically it has almost no place in the narrative, and the creative team acknowledges this, as if it's a great joke, but the whole section is such an unfunny slog that it feels more like an elongated deleted scene.
I complain about Fox's single layered burned discs every time they send them, but this one is the worst I've ever seen. The compression noise is almost blinding, especially during fast movements. The blocking is so brutal that the blocks have their own blocks. It's almost like watching a blown up version of the film as viewed on YouTube. I assume that the regular release DVD looks fine, and that the Blu-ray looks even better, but you know what they say about assumptions.
The 5.1 Dolby Digital audio isn't nearly as gutted as the video, but is of a lower overall volume than I'm used to, so I assume the burned disc isn't a very good example of the kind of sound I was meant to hear. Bender's Game features fewer musical moments than the previous films, which I think is another reason to consider it more of a long episode than a feature presentation. There are a few moments of impressive action mixing, but generally fewer than we heard in the other two movies, especially Bender's Big Score, which featured that memorable space battle.
Bender's Game has some slightly larger than average shoes to fill after the previous two Futurama movie releases managed to roll out some novel and entertaining extras. As per the norm for the series as a whole, everything starts with an immensely entertaining group commentary track. Producer/writer David X Cohen is once again the ruler of the factoids, explaining the ins and outs of the movie's production, the hidden mathematics jokes, the rules of Dungeons and Dragons, and other nerdy subjects of interest. The actors (Billy West, John DiMaggio, Tress MacNeille) are a little less overbearing than on previous tracks, and add a nice flavour to the mix. Producer/creator Matt Groening's presence is negligible at best, unfortunately. One can also watch the first fourth of the film as a storyboard animatic, if one were so inclined. Features screen one also features a 'Futurama Genetics Lab' mix and match game.
Our featurettes begin with 'D&D&F', a seven minute chat with the writing staff's two biggest D&D freaks, David X Cohen and Eric Kaplan, and one writer who has zero interest in the game, Mike Rowe. Cohen and Kaplan share personal stories while Rowe acts bored. It's quite cute. 'How to Draw Futurama in 83 Easy Steps' is an eight minute visit with some of the show's animators, who show us how to draw some of the characters (Zoidberg, Leela and Bender), in what they hope is an entertaining manner (it really isn't, but good try). The featurettes are finished out with a series of 3D model turn-arounds with animator commentary.
Under the disc's final extras screen is a solitary deleted scene, presented in the form of rough pencils, and running about thirty seconds, 'Blooperama 2' (which is not a blooper reel, but a reel of the voice actors at work), 'Bender's Anti-Piracy Warning' (a spoof of those lame 'You Wouldn't Steal a Movie' PSAs), and a sneak preview of the next and final (?) Futurama movie— Into the Wild Green Yonder.
With Bender's Game the Futurama staff plays it safe, much safer than they did with the last two films, possible because The Beast with a Billion Backs was a little too experimental, but what they lack in balls they mostly make up for in laughs. Minus the lame trip to fantasy land the movie is very funny, maybe the funniest of the movie series overall. Generally speaking, this is an amusing time, and had Fox not sent me a burned, single layer disc, it might've looked good too.
Review by Gabriel Powers
Worst Nightmare Senior Member Join Date: July 2002 Location: Australia Posts: 6,716
I must admit I found the first two movies a real let down - a shame it sounds the same with the third...
Is there hope for the fourth one?
Is there hope for the fourth one?
lionel Member Join Date: June 2008 Location: United States Posts: 162
just bring back the show!
This product has not been rated
Disc Details
Release Date: 4th November 2008
Discs: 1
Disc Type: Single side, single layer
RCE: No
Video: NTSC
Aspect: 1.78:1
Anamorphic: Yes
Colour: Yes
Audio: Dolby Digital 5.1 English, Dolby Digital 2.0 Spanish
Subtitles: English, French, and Spanish
Extras: Cast and Crew Commentary, Animatic, Futurama Genetics Lab, D&D&F, How to Draw Futurama in 83 Easy Steps, Deleted Scene, Blooperama, Bender's Anti-Piracy Notice, 'Into the Wild Green Yonder' Sneak Peek
Easter Egg: No
Feature Details
Director: Dwayne Carey-Hill
Cast: John DiMaggio, Katey Sagal, Billy West, Brittany Murphy, Dan Castellaneta, David Cross, Phil LaMarr
Genre: Adventure, Animation and Comedy
Length: 88 minutes
6Review Guide
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2018 marks the 32nd anniversary of the Bethabara Concert band, whose first public performance took place at Historic Bethabara Park on September 4, 1986.The Bethabara Concert Band participates in many of the special events held at the park and performs monthly at outdoor evening concerts in the Park Pavilion from June to October. The band is a member of The Association of Concert Bands.
Moravians have a long history of celebrating the events of their life with music and it was certainly true at Bethabara, the birthplace of Winston-Salem. John Morris Cline, the founder of the Bethabara Concert Band, felt that the establishment of a band here would honor the founding of this town and the lives of the settlers who carved out a life in the wilderness.
In the early 1980s, John and Mildred Cline made a series of calls and sent letters to gather potential band members. The Band was formally established in April 1986 and gave their first performance inside the Palisade Fort at Historic Bethabara Park in September 1986.
Enjoy evenings outdoors with the Bethabara Concert Band. Bring the family, a blanket and picnic dinner. Enjoy hay wagon rides, children's games, ice cream, Dino's New York hot dogs, and wonderful music from all eras by the band.
Join us for activities with the Wake Forest University Athletics Department.
Please join us immediately following the concert for the sound of Big Band and swing music.
Children's activities begin at 6 p.m. The Band begins at 7 p.m.
... and a special concert - Dark in the Park
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Markets Upbeat Pre-Session on Positive German News
WSJ's Steven Russolillo joins the News Hub to discuss how positive news coming out of Germany has markets upbeat in pre-session Friday. Photo: Getty Images.
This transcript has been automatically generated and may not be 100% accurate.
... the the ... the market now after back to back declines stocks are looking up this morning he and fellow is here joining us on with Morath Diva little fracas that on Friday yes the excitement of finishing the week on a strong note ... I get to keep in mind as you mention the Dow's down more than ... thirty five points over the last two days ... in twenty thirteen that is that because that's the last two years so ... some people getting a little worried that the rally to start the year could be getting a little wobbly ... maybe not so much today though and gets good ... economic figures out of Germany's Coppins figures that were of more than expected that's for setting the tone in Europe and now that spilling over here to the U S ... prelate paper economic data here in the US so ... it seems like NBC to kick things off and take her to see that happen what Europe is in a looming SciQuest ration cuts in March first that playing a role here yet I'm fascinated with the Galactica if the stock for the TV to be down and not looking up to Bethel a picture that you know that's a great point because that was leaking is the way the March first outlined ... and then ... who knows I mean it seems that one of those things where Washington that the term while Washington has waned a bit but still though it's still there and you know this is going to become the big issue so may not be at the forefront rate now but ... it'll Monday Tuesday Wednesday that might change so I am ... thankful speaking of keeping an eye on things out one or ... three Stocks to walk into the thirty stocks today so a AG Abercrombie or two of the AIG reported results after the bell yesterday ... the little that better than expected ... so I'm that that stock is up now and how they counted for their that the Sandy destruction that occurred and the losses that they were met with a relatively in line with analysts were expecting and the stock is poised for for a rebound here this morning ... Abercrombie mentioned that you need to retell reported earnings this morning stock is also love the use of the dividend ... and Hewlett-Packard off into a better is that they're going and so this company has been ... in a really really tough time round up for quite some time now ... they reported results that were actually a little that better than expected ... and that stock is the the the sun is pretty interesting because it is the biggest data team this year ... by a dour it still has a long long way to go with Councilman like sixty six percent of the last three years so ... so you know to look a long-term chart chart HP has really been hit hard ... but ... in twenty thirteen maybe there are some signs here that the country is finally getting


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Whitmer Leads Litigation Boot Campby Jim Amidon • October 27, 2011 Share:
Frederick Whitmer '69 demonstrated for the Wabash community his style as a litigation attorney with the New York office of Kilpatrick Townsend & Stockton during a lecture focusing on how his liberal arts education prepared him for life as a courtroom warrior.
The author of Litigation is War, Mr. Whitmer gave a rousing, thorough, and entertaining talk to pre-law students, faculty, staff, and administrators Wednesday, the day after he served as a judge in Wabash's 18th Annual Moot Court competition. He said the reason he is an effective trial attorney is because of "the liberal arts education I received, which opens the mind and causes you to make inquiries and ask questions… Asking the right questions is important."
In his book, he describes in great detail the similarities of battlefield strategy with litigation strategy. In his talk to the pre-law students, he linked the broad experiences of the liberal arts and said, "The liberal arts battlefield is about playing fair to gain an advantage."
Mr. Whitmer, a Terre Haute native, was a history major and German minor elected to Phi Beta Kappa during his time at Wabash. He was president of the Tau Kappa Epsilon fraternity and a member of the Glee Club. He earned his law degree from Columbia University where he received a Harlan Fiske Stone Scholarship. His practice focuses on patent, trademark, and intellectual property cases.
"The whole concept of being in the courtroom, which is like being here at Wabash, is the strategic manipulation of perception… That doesn't mean you fudge the facts. But you try to manipulate the facts so that you can get people to agree with you.
"To do that, there must be a genuineness about your character."
He talked extensively about integrity, credibility, and believability as the foundational traits of a good trial attorney. He said he never looks down on his opponent and instead "treats them like world-class citizens." He also pointed out several times that successful attorneys keep things simple, are flexible, and communicate effectively with people on a level they understand, which he again linked to liberal arts principles.
"What I learned here — and not at Columbia — was the ability to think on my feet and the ability to react," he said. "Listening carefully is critical. It's not about reading a list of questions; it's about listening to the answers and reacting accordingly."
Throughout his boot camp-style presentation on effective litigation strategy, he told entertaining stories about his most memorable courtroom battles and involved students as players in the scenes. He told the crowd about one of the great surprises he had in court when one of his star witnesses, "a rabbi straight out of central casting," turned out not to be a rabbi, a Ph.D., or a psychologist. "Expect uncertainty," he said, "but surprises are only for birthdays… You never want to be surprised in the courtroom."
Mr. Whitmer concluded his talk by describing in great detail the characteristics of what he called "litigation genius," which he said was the "ability to pull together your experience, intelligence, and intuition."
Other qualities of litigation genius include:
• Boldness — "You've got to take risks, but boldness is prudence; it is not foolhardiness. Boldness exploits the adversary's weakness as long as it's within the rules of the game."
• Intelligence — "Intelligence really means strength of mind and the gift of keeping calm even under the greatest stress."
• Imagination — "Perhaps the greatest thing the liberal arts gives you is creativity."
• Self Control — "Self control is the governor of your imagination. Only by controlling yourself can you control your adversary."
• Determination — "Determination to succeed frees you from being a prisoner of your fears."
• Courage — "Trust your intuitions, but also be willing to admit your mistakes."
• Emotional Commitment to the Client — "Advocacy without commitment is counterfeit."
• Honesty — "You must be honest in court, with your client, and most importantly to yourself."
• Ethics — "Ethics are more important than any matter, any client, or any case. Because when the case is done, you still have to be able to look yourself in the mirror."
• Commitment to Winning — "Make decisions to win; don't make decisions to justify losing… If you can't persuade your client, how are you going to persuade the court?"
Mr. Whitmer's visit was sponsored by the Alumni and Parent Relations Office and the Pre-Law Society.
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Frederick Whitmer (10-26-11)