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SOURCE: Five Star Equities
January 04, 2013 08:20 ET
Five Star Equities Provides Stock Research on Renewable Energy Group and Gevo
Five Star Equities Provides Stock Research on Renewable Energy Group and Gevo
NEW YORK, NY--(Marketwire - Jan 4, 2013) - The Alternative Energy Industry received a major boost this week as a last-minute deal by law makers to avoid the "fiscal cliff" surprisingly included the extension of tax credits for renewable energy and alternative fuels. The PowerShares WilderHill Clean Energy ETF (PBW) has gained nearly 10 percent in the past week. Five Star Equities examines the outlook for companies in the Alternative Energy Industry and provides equity research on Renewable Energy Group Inc. (NASDAQ: REGI) and Gevo, Inc. (NASDAQ: GEVO).
Access to the full company reports can be found at:
Congress has extended a $1 per gallon tax credit, which expired at the end of 2011, through the end of 2013. The National Biodiesel Board believes the tax credit will increase biodiesel production by approximately 300 million gallons in 2013. The approved deal also extends a $1.01/gal credit for cellulosic fuel, which are made from non-food organic materials, by one year. In September, the U.S. Environmental Protection Agency raised the amount of biodiesel refiners are required to blend to 1.28 billion gallons in 2013.
Five Star Equities releases regular market updates on the Alternative Energy Industry so investors can stay ahead of the crowd and make the best investment decisions to maximize their returns. Take a few minutes to register with us free at www.FiveStarEquities.com and get exclusive access to our numerous stock reports and industry newsletters.
With more than 225 million gallons of owned/operated annual production capacity at bio-refineries across the country, Renewable Energy Group is a proven biodiesel partner in the distillate marketplace. "This tax credit provides certainty for our petroleum distributor customers and, in turn, market stability for commercial biodiesel producers like us," the company said in a statement. Shares of Renewable Energy Group have gained 20 percent in the past week.
Gevo is a leading renewable chemicals and next-generation biofuels company. Gevo's patent-protected, capital-light business model converts existing ethanol plants into bio-refineries to make isobutanol. The company's Board of Directors has recently approved a $15 million stock repurchase program.
Five Star Equities provides Market Research focused on equities that offer growth opportunities, value, and strong potential return. We strive to provide the most up-to-date market activities. We constantly create research reports and newsletters for our members. Five Star Equities has not been compensated by any of the above-mentioned companies. We act as an independent research portal and are aware that all investment entails inherent risks. Please view the full disclaimer at: www.FiveStarEquities.com/disclaimer
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Power Supply - 1 amp 5 Vdc, Regulated
Power supply for video security cameras and products
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Regulated 5-Volt 1000mA DC adapter. This class 2 transformer is UL listed and certified for reliable and safe operation. The DC power supply is fully regulated to deliver just the right amount of power needed for the items it may be plugged into via the 6′ cord.
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By Don Berwick, Administrator, Centers for Medicare & Medicaid Services. Cross-post from Healthcare.gov
Do you have Medicare? Have questions about what the Affordable Care Act does for you?
Here are the five things people with Medicare should know about the law:
1. It makes prescription drugs more affordable.
If you enter the coverage gap known as the "donut hole," you will receive a 50% discount when buying Part D-covered brand-name prescription drugs. This discount will be automatically applied at the counter of your pharmacy; you don't have to do anything to get it. And over the next ten years, you will get additional savings until the coverage gap is completely closed in 2020.
2. It gives you preventive care services for free.
If you have Medicare, you can get free preventive screenings and services like colorectal cancer screening and mammograms. You can also get a free yearly wellness visit to develop and update your personal prevention plan based on current health needs. Again, these services are free: no co-pays or cost-sharing for you.
3. It provides incentives for your doctors to work together for you.
The law makes it easier for your doctors to work together by offering them support and resources for patient-centered care. If you're hospitalized, the new law also helps you return home successfully—and avoid going back—by helping to coordinate your care and connecting you to services and support in your community.
4. It strengthens Medicare Advantage.
If you have Medicare Advantage, you will be protected from large increases to your premiums or decreases in your benefits. Medicare reviews changes to your plan before they happen to stop the ones that are unreasonable. Beginning in 2012, Medicare Advantage plans will have even more reason to improve the quality of care you receive. Plans that have a rating of three stars or more on the quality rating system will receive a bonus, part of the national effort to improve quality.
5. It helps ensure your access to care.
You can still choose your doctor. The law increases the number of primary care doctors, nurses, and physician assistants to provide better access to care through expanded training opportunities, student loan forgiveness, and bonus payments. Support for community health centers will increase, allowing them to serve some 20 million new patients.
For more information, please check out the online brochure, Medicare and the New Health Care Law – What it Means for You. (PDF – 314KB)


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INDIANAPOLIS (AP) Colts head coach Chuck Pagano received a standing ovation from the Lucas Oil Stadium crowd during Sunday's game against Buffalo.
With 11:23 left in the fourth quarter, team owner Jim Irsay walked outside his owner's box with Pagano and the two waved to the crowd.
It was the second straight home game Pagano has attended. He watched the last game from the coach's box.
Pagano, who has lost his hair as he undergoes chemotherapy has not been involved with the usual day-to-day operations since being diagnosed with leukemia Sept. 26. His doctor said earlier this month that the cancer was in complete remission.
Between the third and fourth quarters, two Colts cheerleaders shaved their heads after a fundraising drive raised more than $22,000 for leukemia research.
Online:http://pro32.ap.org/poll andhttp://twitter.com/AP-NFL


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Stay Charged with myPowerBag!
A video review of the PowerBag. If you have electronics, you'll want one of these!
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myCharge – Make Every Bag a PowerBag !
My review on an amazing new product, the myCharge recharging unit. Check it out, you'll love it! The myCharge Power Bank 6000
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Relay for Life with myPowerBag!
I joined a team of friends to help fight cancer by walking in the Relay for Life. My team, the Pineapple Avengers, worked hard to raise funds for the Relay and most of us spent the entire weekend on the … Continue reading
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I'm going to date myself here, but I remember when I first got into motorcycles, I watched a video of this guy named "Ghost Rider" storm the streets of Sweden. Weaving through traffic like it was a rolling chicane and evading the cops with reckless abandon, I would find out later that Ghost Rider had made a name for himself by doing something all motorcyclists have wanted to partake in at some time or another, but never had the stones to follow through with.
Releasing a number of DVDs of his street antics, Ghost Rider's identity has remained somewhat of a secret throughout all this, though locals tell me that everyone knows who the man clad in black is, but because of how Sweden handles its burden of proof, Johan Law has never been able to knock on the Ghost Rider's door. Whether you think his videos are cool, irresponsible, or both, it look like Ghost Rider's 499hp turbo-powered Hayabusa streetfighter is going to a new home…and it might be yours.


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Official Order of Merit
Updated 2 September 2016
Ranking points towards the official British Quiz Association (BQA) 'Order of Merit' and 'All Time UK Quiz Rankings' are garnered at live events run every month at various locations around the country (and sometimes abroad too). These include standard BQA Grands Prix, the British Quizzing Championships (BQC), the International Quizzing Assoc. (iQa) 'World Championships' (WQC) and the iQa Europe 'European Quizzing Championships' (EQC).
Please see HERE for a fuller exposition on how the Order of Merit and BQA Rankings work, and the history of their development.
Now, the first graphics on this page, and of equal importance to the Order of Merit, are the overall UK Quiz Rankings covering the last 25 events organised by the BQA and Quizzing.co.uk (including also those run in conjunction with the the iQa). Please note only the top 225 ranked are shown. The graphics below take account of the latest event of the 2015/16 season, i.e. the 2016 Quest GP held on 6 August.
We congratulate Kevin Ashman on regaining his title as the 2015/16 season's top player, and Pat Gibson on his runner-up slot in the end of season rankings.
Updated 2 September 2016
Current Order of Merit standings, and 'All Time' Rankings
The Quizzing Order of Merit recognises quizzers' achievements at the National and International Quiz Circuit events.
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Current Order of Merit standings, and 'All Time' Rankings
Chris Jones
Director, Quizzing Ltd., BQA and iQa
Director, Quizzing Ltd., BQA and iQa
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GCSE Expressive Arts Tuition in Denbighshire (including Rhyl, Prestatyn, Denbigh and Ruthin)
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Stephen King's IT breaks September Monday record at the box office
Stephen King's creepy clown movie IT has added another U.S. box office record to its haul after securing the biggest September Monday take in history.
The film, starring Bill Skarsgard as horror clown Pennywise, picked up a handful of box office feats upon its September 7 release, and now it can add another, according to Deadline.com.
The film raked in $8.8 million at the box office on Monday. It will be the highest grossing Stephen King movie of all-time at the U.S. box office.
The Andy Muschietti-directed film also now owns the record for the best opening day ever for a horror title, the highest pre-show for a horror film and for an R-rated movie, and the highest three-day opening record weekend for the genre.
It's also the second-highest opening for an R-rated film ever - behind Deadpool.
It is now well on its way to becoming the most successful of all 33 Stephen King movie adaptations - after just four days, the movie has grabbed a total of $132.2 million - that's just over $4 million less than 1999's The Green Mile.


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As a project to place Bruce Lee's final, unfinished 1973 film, "The Game of Death," in its proper context, "Bruce Lee: A Warrior's Journey" is up to the task. And as a docu explaining for the young end of the AMC aud what Lee and his revolutionary approach to the martial arts was all about, it has much to value. But as a cinematic chronicler, writer-producer-director John Little –a longtime keeper of Lee's flame — applies some unfair kicks to the groin of Asian action movies. Unfortunate result overrates Lee's films at the expense of the far lesser known, but more visually brilliant, Mandarin and Cantonese films in the early and mid-'70s.
Primary raison d'etre is to present in proper narrative framework the intact 33½-minute section of "Game," comprising three fight sequences of roughly equal length that make up much of pic's intended last half.
Lee died of a brain edema during filming, and in a fairly desperate attempt to tap into the star's massive, worldwide cult, Columbia patched together just 12 minutes of the finished sequences into an ersatz Lee actioner by the same title, in 1978.
Little is right to point out that Lee's legacy was hardly helped; typical of pic was its awkward use of doubles, and a ludicrous use of cardboard cut-outs of Lee's face for stand-in purposes in certain shots.
Notably, plot of the '78 version bears no resemblance to Lee's original story, which was unaccountably obscure until its discovery among other papers in the mid-'90s. Unlike the Americanized version, the Lee edition takes place in Korean locales (and Yank interiors), involving his martial arts character in a heist of treasure hidden at the top of a five-level pagoda.
Lee and his accomplices (Chieh Yuan, James Tien) must battle their way upstairs, knocking off five fighters with radically different fighting styles along the way (including Dan Inosanto, Grandmaster Ji Han Jae and Kareem Abdul-Jabbar). The scenario was intended to illustrate Lee's grand concept, which was that the key to the most effective is being able to adapt to your opponent's style, to "be like water."
With a Korean crew, Little lensed brief footage illustrating the pre-fight storyline, but some of the doubling here is no better than the Columbia cut. More critically, new footage shot to TV aspect ratio doesn't match up with Lee's preferred widescreen filming. Intact footage shows some color fading, and while the fighting and the wild trademark sound effects remain spectacular, it also shows that Lee's creative energy went into his moves, not his moviemaking.
This is worth considering in light of some terrible missteps in docu's first hour, which reviews Lee's life from boyhood (born in S.F. but raised in Hong Kong) on. There's no mention of the several H.K. pics Lee was in as a child and teen, but there are wonderful clips of a 1965 screen test, from an expansive 1971 TV interview with Pierre Berton, and Lee's own U.S. TV and film work in bit parts. Unable to break through in Hollywood, he turned to the H.K. industry to make a series of blockbuster chopsocky pics in the early '70s, and this remains the savviest career move ever by an American minority thesp.
But instead of simply praising Lee's hits, like "The Big Boss," on their own merits, Little dismisses as "unbelievable and hokey" Lee's competition — the very different fantasy-laden H.K. adventures being made at the same time by such maestros as King Hu. By stressing only Lee's serious concern for filming authentic fighting, docu ignores the fabulous contribution of Hu and others to gravity-defying cinema that has stood the test of time, as pure movies, better than Lee's visually stodgy pics.
Narration is informative but almost somnolent, and contains doozies that have no place on a film-oriented channel like AMC, such as the uninformed comment that, on "Game of Death," Lee did "the cinematography and the lighting."


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Zac Efron: 'New Year's Eve' Premiere with Michelle Pfeiffer!
Zac Efron holds tight to his co-star Michelle Pfeiffer as they arrive at the premiere of New Year's Eve held at the Grauman's Chinese Theatre on Monday (December 5) in Hollywood.
The 24-year-old actor and his co-star shared numerous scenes together in the star-studded flick!
Abigail Breslin, who also stars in the film, met Zac, her crush, for the first time while promoting the film and almost cried.
"She played it off really well. I had no idea," Zac said. "It's so funny coming from a fellow artist. I think she's so amazing; she's so funny in this movie. She's a darling."
Check out New Year's Eve this Friday (December 9).
FYI: Michelle is wearing a Dolce&Gabbana dress and Neil Lane jewelry.


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Subject: Third-Party Relationships
Date: October 30, 2013
To: Chief Executive Officers and Chief Risk Officers of All National Banks and Federal Savings Associations, Technology Service Providers, Department and Division Heads, All Examining Personnel, and Other Interested Parties
Description: Risk Management Guidance
This bulletin provides guidance to national banks and federal savings associations (collectively, banks) for assessing and managing risks associated with third-party relationships. A third-party relationship is any business arrangement between a bank and another entity, by contract or otherwise.1
The Office of the Comptroller of the Currency (OCC) expects a bank to practice effective risk management regardless of whether the bank performs the activity internally or through a third party. A bank's use of third parties does not diminish the responsibility of its board of directors and senior management to ensure that the activity is performed in a safe and sound manner and in compliance with applicable laws.2
This bulletin rescinds OCC Bulletin 2001-47, "Third-Party Relationships: Risk Management Principles," and OCC Advisory Letter 2000-9, "Third-Party Risk." This bulletin supplements and should be used in conjunction with other OCC and interagency issuances on third-party relationships and risk management listed in appendix B. In connection with the issuance of this bulletin, the OCC is applying to federal savings associations (FSA) certain guidance applicable to national banks, as indicated in appendix B.
Banks continue to increase the number and complexity of relationships with both foreign and domestic third parties, such as
The OCC is concerned that the quality of risk management over third-party relationships may not be keeping pace with the level of risk and complexity of these relationships. The OCC has identified instances in which bank management has
These examples represent trends whose associated risks reinforce the need for banks to maintain effective risk management practices over third-party relationships.
Risk Management Life Cycle
The OCC expects a bank to have risk management processes that are commensurate with the level of risk and complexity of its third-party relationships and the bank's organizational structures. Therefore, the OCC expects more comprehensive and rigorous oversight and management of third-party relationships that involve critical activities—significant bank functions (e.g., payments, clearing, settlements, custody) or significant shared services (e.g., information technology), or other activities that
An effective third-party risk management process follows a continuous life cycle for all relationships and incorporates the following phases:
Planning: Developing a plan to manage the relationship is often the first step in the third-party risk management process. This step is helpful for many situations but is necessary when a bank is considering contracts with third parties that involve critical activities.
Due diligence and third-party selection: Conducting a review of a potential third party before signing a contract5 helps ensure that the bank selects an appropriate third party and understands and controls the risks posed by the relationship, consistent with the bank's risk appetite.
Contract negotiation: Developing a contract that clearly defines expectations and responsibilities of the third party helps to ensure the contract's enforceability, limit the bank's liability, and mitigate disputes about performance.
Ongoing monitoring: Performing ongoing monitoring of the third-party relationship once the contract is in place is essential to the bank's ability to manage risk of the third-party relationship.
Termination: Developing a contingency plan to ensure that the bank can transition the activities to another third party, bring the activities in-house, or discontinue the activities when a contract expires, the terms of the contract have been satisfied, in response to contract default, or in response to changes to the bank's or third party's business strategy.
In addition, a bank should perform the following throughout the life cycle of the relationship as part of its risk management process:
Oversight and accountability: Assigning clear roles and responsibilities for managing third-party relationships and integrating the bank's third-party risk management process with its enterprise risk management framework enables continuous oversight and accountability.
Documentation and reporting: Proper documentation and reporting facilitates oversight, accountability, monitoring, and risk management associated with third-party relationships.
Independent reviews: Conducting periodic independent reviews of the risk management process enables management to assess whether the process aligns with the bank's strategy and effectively manages risk posed by third-party relationships.
Figure 1: Risk Management Life Cycle
Before entering into a third-party relationship, senior management should develop a plan to manage the relationship. The management plan should be commensurate with the level of risk and complexity of the third-party relationship and should
Due Diligence and Third-Party Selection
A bank should conduct due diligence on all potential third parties before selecting and entering into contracts or relationships. A bank should not rely solely on experience with or prior knowledge of the third party as a proxy for an objective, in-depth assessment of the third party's ability to perform the activity in compliance with all applicable laws and regulations and in a safe and sound manner.
The degree of due diligence should be commensurate with the level of risk and complexity of the third-party relationship. More extensive due diligence is necessary when a third-party relationship involves critical activities. On-site visits may be useful to understand fully the third party's operations and capacity. If the bank uncovers information that warrants additional scrutiny, it should broaden the scope or assessment methods of the due diligence as needed.
The bank should consider the following during due diligence:
Senior management should review the results of the due diligence to determine whether the third party is able to meet the bank's expectations and whether the bank should proceed with the third-party relationship. If the results do not meet expectations, management should recommend that the third party make appropriate changes, find an alternate third party, conduct the activity in-house, or discontinue the activity. As part of any recommended changes, the bank may need to supplement the third party's resources or increase or implement new controls to manage the risks. Management should present results of due diligence to the board when making recommendations for third-party relationships that involve critical activities.
Contract Negotiation
Once the bank selects a third party, management should negotiate a contract that clearly specifies the rights and responsibilities of each party to the contract. Additionally, senior management should obtain board approval of the contract before its execution when a third-party relationship will involve critical activities. A bank should review existing contracts periodically, particularly those involving critical activities, to ensure they continue to address pertinent risk controls and legal protections. Where problems are identified, the bank should seek to renegotiate at the earliest opportunity.
Contracts should generally address the following:
Ongoing Monitoring
Ongoing monitoring for the duration of the third-party relationship is an essential component of the bank's risk management process. More comprehensive monitoring is necessary when the third-party relationship involves critical activities. Senior management should periodically assess existing third-party relationships to determine whether the nature of the activity performed now constitutes a critical activity.
After entering into a contract with a third party, bank management should dedicate sufficient staff with the necessary expertise, authority, and accountability to oversee and monitor the third party commensurate with the level of risk and complexity of the relationship. Regular on site visits may be useful to understand fully the third party's operations and ongoing ability to meet contract requirements. Management should ensure that bank employees that directly manage third-party relationships monitor the third party's activities and performance. A bank should pay particular attention to the quality and sustainability of the third party's controls, and its ability to meet service-level agreements, performance metrics and other contractual terms, and to comply with legal and regulatory requirements.
The OCC expects the bank's ongoing monitoring of third-party relationships to cover the due diligence activities discussed earlier. Because both the level and types of risks may change over the lifetime of third-party relationships, a bank should ensure that its ongoing monitoring adapts accordingly. This monitoring may result in changes to the frequency and types of required reports from the third party, including service-level agreement performance reports, audit reports, and control testing results. In addition to ongoing review of third-party reports, some key areas of consideration for ongoing monitoring may include assessing changes to the third party's
Bank employees who directly manage third-party relationships should escalate to senior management significant issues or concerns arising from ongoing monitoring, such as an increase in risk, material weaknesses and repeat audit findings, deterioration in financial condition, security breaches, data loss, service or system interruptions, or compliance lapses. Additionally, management should ensure that the bank's controls to manage risks from third-party relationships are tested regularly, particularly where critical activities are involved. Based on the results of the ongoing monitoring and internal control testing, management should respond to issues when identified including escalating significant issues to the board.
A bank may terminate third-party relationships for various reasons, including
Management should ensure that relationships terminate in an efficient manner, whether the activities are transitioned to another third party or in-house, or discontinued. In the event of contract default or termination, the bank should have a plan to bring the service in-house if there are no alternate third parties. This plan should cover
The extent and flexibility of termination rights may vary with the type of activity.
Oversight and Accountability
The bank's board of directors (or a board committee) and senior management are responsible for overseeing the bank's overall risk management processes. The board, senior management, and employees within the lines of businesses who manage the third-party relationships have distinct but interrelated responsibilities to ensure that the relationships and activities are managed effectively and commensurate with their level of risk and complexity, particularly for relationships that involve critical activities:9
Board of Directors
Senior Bank Management
Bank Employees Who Directly Manage Third-Party Relationships
Documentation and Reporting
A bank should properly document and report on its third-party risk management process and specific arrangements throughout their life cycle. Proper documentation and reporting facilitates the accountability, monitoring, and risk management associated with third parties and typically includes
Independent Reviews
Senior management should ensure that periodic independent reviews are conducted on the third-party risk management process, particularly when a bank involves third parties in critical activities. The bank's internal auditor or an independent third party may perform the reviews, and senior management should ensure the results are reported to the board. Reviews may include assessing the adequacy of the bank's process for
Senior management should analyze the results of independent reviews to determine whether and how to adjust the bank's third-party risk management process, including policy, reporting, resources, expertise, and controls. Additionally, the results may assist senior management's understanding of the effectiveness of the bank's third-party risk management process so that they can make informed decisions about commencing new or continuing existing third-party relationships, bringing activities in-house, or discontinuing activities. Management should respond promptly and thoroughly to significant issues or concerns identified and escalate to the board if the risk posed is approaching the bank's risk appetite limits.
Supervisory Reviews of Third-Party Relationships
The OCC expects bank management to engage in a robust analytical process to identify, measure, monitor, and control the risks associated with third-party relationships and to avoid excessive risk taking that may threaten a bank's safety and soundness. A bank's failure to have an effective third-party risk management process that is commensurate with the level of risk, complexity of third-party relationships, and organizational structure of the bank may be an unsafe and unsound banking practice.
When reviewing third-party relationships, examiners should
When circumstances warrant, the OCC may use its authority to examine the functions or operations performed by a third party on the bank's behalf. Such examinations may evaluate safety and soundness risks, the financial and operational viability of the third party to fulfill its contractual obligations, compliance with applicable laws and regulations, including consumer protection, fair lending, BSA/AML and OFAC laws, and whether the third party engages in unfair or deceptive acts or practices in violation of federal or applicable state law. The OCC will pursue appropriate corrective measures, including enforcement actions, to address violations of law and regulations or unsafe or unsound banking practices by the bank or its third party. The OCC has the authority to assess a bank a special examination or investigation fee when the OCC examines or investigates the activities of a third party for the bank.
Further Information
"For further information, contact John Eckert, Director, Operational Risk and Core Policy at (202) 649-7163 or firstname.lastname@example.com, or (202) 649-6550.
John C. Lyons Jr.
Appendix A: Risks Associated With Third-Party Relationships
APPENDIX A: Risks Associated With Third-Party Relationships
Use of third parties reduces management's direct control of activities and may introduce new or increase existing risks, specifically, operational, compliance, reputation, strategic, and credit risks and the interrelationship of these risks. Increased risk most often arises from greater complexity, ineffective risk management by the bank, and inferior performance by the third party. Refer to the "Bank Supervision Process" booklet of the Comptroller's Handbook for an expanded discussion of banking risks and their definitions.
Operational Risk
Operational risk is present in all products, services, functions, delivery channels, and processes. Third-party relationships may increase a bank's exposure to operational risk because the bank may not have direct control of the activity performed by the third party.
Operational risk can increase significantly when third-party relationships result in concentrations. Concentrations may arise when a bank relies on a single third party for multiple activities, particularly when several of the activities are critical to bank operations. Additionally, geographic concentrations can arise when a bank's own operations and that of its third parties and subcontractors are located in the same region or are dependent on the same critical power and telecommunications infrastructures.
Compliance Risk
Compliance risk exists when products, services, or systems associated with third-party relationships are not properly reviewed for compliance or when the third party's operations are not consistent with laws, regulations, ethical standards, or the bank's policies and procedures. Such risks also arise when a third party implements or manages a product or service in a manner that is unfair, deceptive, or abusive to the recipient of the product or service. Compliance risk may arise when a bank licenses or uses technology from a third party that violates a third party's intellectual property rights. Compliance risk may also arise when the third party does not adequately monitor and report transactions for suspicious activities to the bank under the BSA or OFAC. The potential for serious or frequent violations or noncompliance exists when a bank's oversight program does not include appropriate audit and control features, particularly when the third party is implementing new bank activities or expanding existing ones, when activities are further subcontracted, when activities are conducted in foreign countries, or when customer and employee data is transmitted to foreign countries.
Compliance risk increases when conflicts of interest between a bank and a third party are not appropriately managed, when transactions are not adequately monitored for compliance with all necessary laws and regulations, and when a bank or its third parties have not implemented appropriate controls to protect consumer privacy and customer and bank records. Compliance failures by the third party could result in litigation or loss of business to the bank and damage to the bank's reputation.
Reputation Risk
Third-party relationships that do not meet the expectations of the bank's customers expose the bank to reputation risk. Poor service, frequent or prolonged service disruptions, significant or repetitive security lapses, inappropriate sales recommendations, and violations of consumer law and other law can result in litigation, loss of business to the bank, or negative perceptions in the marketplace. Publicity about adverse events surrounding the third parties also may increase the bank's reputation risk. In addition, many of the products and services involved in franchising arrangements expose banks to higher reputation risks. Franchising the bank's attributes often includes direct or subtle reference to the bank's name. Thus, the bank is permitting its attributes to be used in connection with the products and services of a third party. In some cases, however, it is not until something goes wrong with the third party's products, services, or client relationships, that it becomes apparent to the third party's clients that the bank is involved or plays a role in the transactions. When a bank is offering products and services actually originated by third parties as its own, the bank can be exposed to substantial financial loss and damage to its reputation if it fails to maintain adequate quality control over those products and services and adequate oversight over the third party's activities.
Strategic Risk
A bank is exposed to strategic risk if it uses third parties to conduct banking functions or offer products and services that are not compatible with the bank's strategic goals, cannot be effectively monitored and managed by the bank, or do not provide an adequate return on investment. Strategic risk exists in a bank that uses third parties in an effort to remain competitive, increase earnings, or control expense without fully performing due diligence reviews or implementing the appropriate risk management infrastructure to oversee the activity. Strategic risk also arises if management does not possess adequate expertise and experience to oversee properly the third-party relationship.
Conversely, strategic risk can arise if a bank does not use third parties when it is prudent to do so. For example, a bank may introduce strategic risk when it does not leverage third parties that possess greater expertise than the bank does internally, when the third party can more cost effectively supplement internal expertise, or when the third party is more efficient at providing a service with better risk management than the bank can provide internally.
Credit Risk
Credit risk may arise when management has exercised ineffective due diligence and oversight of third parties that market or originate certain types of loans on the bank's behalf, resulting in low-quality receivables and loans. Ineffective oversight of third parties can also result in poor account management, customer service, or collection activities. Likewise, where third parties solicit and refer customers, conduct underwriting analysis, or set up product programs on behalf of the bank, substantial credit risk may be transferred to the bank if the third party is unwilling or unable to fulfill its obligations.
Credit risk also may arise from country or sovereign exposure. To the extent that a bank engages a foreign-based third party, either directly or through subcontractors, the bank may expose itself to country risk.
APPENDIX B: References
Additional guidance about third-party relationships and risk management practices can be found in the following documents.13
OCC Guidance
FFIEC Handbooks
1 Third-party relationships include activities that involve outsourced products and services, use of independent consultants, networking arrangements, merchant payment processing services, services provided by affiliates and subsidiaries, joint ventures, and other business arrangements where the bank has an ongoing relationship or may have responsibility for the associated records. Affiliate relationships are also subject to sections 23A and 23B of the Federal Reserve Act (12 USC 371c and 12 USC 371c-1) as implemented in Regulation W (12 CFR 223). Third-party relationships generally do not include customer relationships.
2 An OCC-supervised bank that provides services to another OCC-supervised bank is held to the same standards of due diligence, controls, and oversight as is a non-bank entity.
3 For example, in franchising arrangements, the bank lends its name or regulated entity status to activities originated or predominantly conducted by others. Thus, the bank is permitting its attributes to be used in connection with the products and services of a third party. The risks to the bank from these franchising arrangements vary based on the terms of the agreement between the bank and the third party and the nature of the services offered. When a bank is offering products and services originated by third parties as its own, the bank can be exposed to substantial financial loss and damage to its reputation if it fails to maintain adequate quality control over those products and services and adequate oversight over the third-party activities. Risk may also increase when the third party relies on the bank's regulated entity status and offers services or products through the bank with fees, interest rates, or other terms that cannot be offered by the third party directly.
4 Refer to appendix A for a discussion of risks associated with third-party relationships.
5 Except for nondisclosure agreements that may be required in order for the bank to conduct due diligence.
6 Dual employees are employed by both the bank and the third party.
7 If the bank enters into a written arrangement under which a broker registered under the securities laws offers brokerage services on or off the premises of the bank, the bank should ensure that the arrangement qualifies for the exception in the Securities and Exchange Act of 1934, 15 USC 78c(a)(4)(B)(i), and Regulation R, 12 CFR 218.700-701 and 17 CFR 247.700-701, for third-party brokerage arrangements. Otherwise, the bank may be required to register as a securities broker under the federal securities laws. The bank also should ensure compliance with regulatory requirements if bank employees receive fees for referrals to the third-party broker.
8 Before conducting an examination of a third party that is a functionally regulated affiliate (FRA), the OCC is required to give notice to and consult with the FRA's primary regulator and, to the fullest extent possible, avoid duplication of examination activities, reporting requirements, and requests for information. See 12 USC 1831v.
9 When a third-party relationship involves critical activities, a bank may need to consider appointing a senior officer to provide oversight of that relationship.
10 Under 12 USC 1867(c)(2), national banks are required to notify the OCC of the existence of a servicing relationship. FSAs are subject to similar requirements set forth in 12 USC 1464(d)(7)(D)(ii) and 12 USC 1867(c)(2). The OCC implements this notification requirement by requiring banks to maintain a current inventory of all third-party relationships and make it available to examiners upon request.
11 In addition to the functional business units, this may include information technology, identity and access management, physical security, information security, business continuity, compliance, legal, risk management, and human resources.
12 The CAMELS rating is an overall assessment of a bank based on six individual ratings; the word CAMELS is an acronym for these individual elements of regulatory assessment (capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk).
13 All guidance applies to national banks. Guidance not currently applicable to FSAs (as noted in this appendix) is undergoing review through the OCC's policy integration efforts.


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Is The College of Saint Rose a Good Fit?
We compare your accomplishments and preferences to what The College of Saint Rose has to offer to get a general idea how well you match up with this school.
Keep an Open Mind
A low fit score doesn't necessarily mean this college isn't worth looking into. Think of it as a general guide.
|No Students
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|1% to 5%
|6% to 20%
|21% to 50%
|More than 50%
Move your mouse over a state to see how many freshmen at The College of Saint Rose call that state home.


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January 7, 2013 WIC Update
SUBJECT 1: Inauguration Day - January 14, 2012
SUBJECT 2: State Holidays in January and February 2013
SUBJECT 3: REMINDER: WIC Help Desk Meeting
SUBJECT 4: Updated WOM Policies
SUBJECT 5: Mandatory Training: Revised Nutrition Assessment (VENA) and Risk Criteria
SUBJECT 6: "Using Loving Support to Grow and Glow in WIC" Training
SUBJECT 7: Data Quality
SUBJECT 8: Schedule of Caseload Participation Adjustments for FFY2013
JOB OPPORTUNITY: Nutritionist III - DHSS Eastern District State WIC Office
JOB OPPORTUNITY: Nutritionist/Dietitian-Grace Hill Health Centers
Inauguration Day- January 14, 2012: The WIC State Office in Jefferson City will be closed for the Governor's Inauguration Day on January 14. However, there will be WIC help desk coverage from 8:00 am to 5:00 pm and the district offices outside of Jefferson City will be open. Formula approval calls should be directed to Mark Wright, firstname.lastname@example.com or 660-385-2633. Other calls should be directed to the WIC Help Desk at 800-554-2544.
If you have questions, please contact Mark Davis at firstname.lastname@example.com or 573-526-5323 or 800-392-8209.
State Holidays in January and February 2013: The WIC State Office in Jefferson City will be closed but there will be limited WIC help desk coverage from 8:00 am to 5:00 pm on Martin Luther King Jr. Day, January 21; Lincoln's Birthday, February 12; and Presidents' Day, February 18.
If you have questions, please contact Mark Davis at firstname.lastname@example.com or 573-526-5323 or 800-392-8209.
REMINDER: WIC Help Desk Meeting: This is a reminder that there will be no WIC Help Desk coverage on Friday, January 18, 2013, from 8:30 am to 10:30 am. Although staff will not be available during these hours, feel free to leave a message and all calls will be returned as soon as possible. The purpose of these meetings is to review processes and procedures in order to provide the highest quality customer service to local agencies and WIC participants.
If you have questions, please contact Melissa Seaver at 800-554-2544 or firstname.lastname@example.com.
Updated WOM Policies: USDA recently approved two updated WOM policies. These policies will go into effect January 11, 2013. The updated polices are:
- ER #2.06400 Guidelines for Providing Effective Nutrition Education and Documentation
- ER# 2.06700 Food Selection Criteria
They will be included in the WOM at the following location: http://health.mo.gov/living/families/wic/wiclwp/wom.
If you have questions, please contact your district TA team. If you are not sure who your TA team is, go to: http://health.mo.gov/living/families/wic/wiclwp/pdf/TAMap.pdf
Mandatory Training: Revised Nutrition Assessment (VENA) and Revised Risk Criteria: This mandatory training will be provided through a pre-recorded webinar which will be available Spring 2013. The purpose of the training is to provide the certifying staff (WIC Certifier, CPA/Nutritionist) with information on the revised risk factors and to introduce the new layout of the Nutrition Assessment (VENA) tab and forms. The following provides MOWINS release overview:
- The revised Nutrition Assessment tab will have added functionality which will allow documentation in the system by selecting check boxes, radio buttons and/or free flow text fields, etc.
- Dietary Risk Factors 411, 425 or 427 may be auto assigned by the system based upon responses selected in the Nutrition Assessment tab.
- There will be hard copy Nutrition Assessment forms; however, there will be no scanning of the Nutrition Assessment forms in the system.
More information about this required training will be provided in the weeks to come. If you have any questions regarding this information, please contact D'Anne Ward at 800-392-8209 or email firstname.lastname@example.com.
"Using Loving Support to Grow and Glow in WIC" Training: Due to a large number of staff needing to attend this training in the Kansas City area, we have scheduled a training at the Clay County Health Department on June 26 & 27, 2013. To register for this training, please use the attached registration form and email to Reba Brown at firstname.lastname@example.com.
Please remember that all new WIC agency staff are required to attend this training. Nutritionist and CPAs must attend both days of training and all other staff (WIC Coordinators, WIC Clerks, HPAs, Certifiers, etc.) need only attend the first day, with the second day being optional. For more information on this training please go to: http://health.mo.gov/living/families/wic/wiclwp/training-localwic_staff.php or contact Kathy Mertzlufft at 573-526-4792 or by email at firstname.lastname@example.com for more information. (ONE ATTACHMENT)
Data Quality: Please help improve our Missouri WIC data quality! Epidemiologists at DHSS "clean up" the MOWINS data to provide us with data reports that are used to provide information to USDA, populate the MICA data, conduct studies, and use in many other ways. Erroneous data due to incorrect information entered into the system is a problem. Tips for improving data quality are:
- fill in all data fields
- link mom and baby with a two-way link
- enter LMP date accurately
- update EDC dates
- ask questions of participants consistently and correctly, especially the questions about pregnancy history, household smoking, TV watching, and voter registration.
You may contact the health program representative or nutritionist assigned to provide technical assistance to your agency if you have questions.
Schedule of Caseload Participation Adjustments for FFY2013: Each Local WIC Provider agency starts the new Federal Fiscal Year with an annual projected participation count established in its approved Local Agency Plan. Adjustments to the projected annual participation count used to set the participation sensitive portion of the annual budget in the WIC Invoicing system are made in accordance with Section 4.0 of the Scope of Work for the WIC: Local Agency Nutrition Services contract.
For Federal Fiscal Year 2013 (October 1, 2012 through September 30, 2013) the schedule of revisions to LWP projected annual participation shall be as follows:
- 1st Quarter adjustments - week of February 11;
- 2nd Quarter adjustments - week of May 13;
- 3rd Quarter adjustments - week of August 12:
- 4th Quarter adjustments - during the week of October 1 all agencies will be adjusted to the participation count served YTD through the September preliminary count;
- Final adjustment - November 1 and 4 all agencies will be adjusted to their final participation count for FFY2013.
Please contact your TA staff member if you have any questions.
WIC Positions
JOB OPPORTUNITY: Nutritionist III - DHSS Eastern District State WIC Office: The Bureau of WIC and Nutrition Services has an opening for a Nutritionist III in the Eastern District State WIC Office. Responsibilities include providing technical assistance to local WIC providers, contract monitoring, policy review and revision, special formula approvals, applying health data in program planning, and occasionally acting as a preceptor for dietetic interns. Excellent customer service, written and verbal communication, teamwork, confidentiality and prioritization are required skills. A registered dietitian, licensed in Missouri, is preferred. Submit cover letter and resume to Rita Arni at firstname.lastname@example.com by January 15, 2013. AA/EOE
JOB OPPORTUNITY: Nutritionist/Dietitian-Grace Hill Health Centers, Inc. has an immediate opening for a full time Nutritionist in the WIC program. The candidate must have graduated from an accredited four- year college or university with a Bachelor's degree in Public Health Nutrition, Dietetics, Home Economic, or closely related field; including or supplemented by at least fifteen(15) semester hours in Food and Nutrition including Diet Therapy and Community Nutrition. The selected candidate will provide nutrition education to WIC eligible participants and assess their nutritional needs for certification eligibility. Send resume to Acey J. Staples, at Grace Hill Health Centers, 1717 Biddle St. St. Louis, Mo. 63106 or e-mail to firstname.lastname@example.com. WIC is an equal opportunity employer.
Grow-Glow BF Training Registration Kansas City


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....Upgrade to 2048-bit, says crypto expert
According to a security debate sparked off by cryptography expert Lucky Green on Bugtraq yesterday, 1,024-bit RSA encryption should be "considered compromised".
yikesThe machine proposed by Bernstein would be able to break a 1,024-bit key in seconds to minutes. But the security implications of the practical 'breakability' of such a key run far deeper.
None of the commonly deployed systems, such as HTTPS, SSH, IPSec, S/MIME and PGP, use keys stronger than 1,024-bit, and you would be hard pushed to find vendors offering support for any more than this.
What this means, according to Green, is that "an opponent capable of breaking all of the above will have access to virtually any corporate or private communications and services that are connected to the internet".


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We have information you must know before you buy the 240SX.
We want to send it to you, along with other pricing insights.
We will not spam you, and will never sell your email. You may unsubscribe at any time.
When the now-redesigned Nissan 240SX rolled off the assembly line last summer, we were surprised by the transformation it had undergone. This new version blurs the fine line between sports cars and upmarket vehicles because Nissan has downplayed this car's racier lineage in favor of a more genteel and understated design.
All of this has been at the service of folks who favor graceful styling over road-burning performance, but who see themselves as too young to retire to a stately sedan. In short, the 240SX has been tweaked to cater to the changing values of the baby boomer generation - the first wave of which is now approaching the age of 50.
To that end, Nissan engineers have designed a more rigid body structure, extended the track and enhanced the suspension of the 240SX to ensure a more comfortable ride, easier handling and improved stability. Low to midrange torque has been increased to allow for smoother acceleration, and the suspension contact points have been made more compliant to reduce noise.
Inside, the old monoform seats have been replaced by cozier 2-cushion buckets, and the placement of controls, knobs and switches is more sensitive to the ergonomic needs of the middle-age driver than they were in years past.
That's not to say that the new 240SX is a cream puff. It still incorporates the nimble handling, spirited acceleration and styling accoutrements that made previous incarnations so popular to those buyers who harbor sports-car inclinations. It's just that some of the 240SX's sharper edges have been smoothed and rounded out for comfort's sake.
We tested the high-end, sporty SE model, which comes with numerous standard-feature amenities that include a sport-tuned suspension, front and rear spoilers, projector-style foglights, driver-adjustable lumbar support, moquette fabric seats with a sporty center insert, remote keyless entry with an anti-theft system, and attractive analog gauges with black digits on a white background.
Our test model was also equipped with optional anti-lock brakes (ABS), limited-slip differential and a sunroof. Including the destination charge, that upped the price of the SE to $23,163.
Standard equipment on both the base and SE models includes electronic fuel injection, front-engine/rear-wheel-drive powertrain, 5-speed manual overdrive transmission, power-assisted rack-and-pinion steering, independent strut-type front suspension and multi-link rear suspension, power remote-controlled mirrors, fold-down rear seatback, power windows and door locks, and dual airbags.
According to Nissan research, the quality of ride is important to the 240SX's recently expanded target market. So the engine's valve timing and intake camshaft were tweaked to attain the aforementioned low to midrange torque that translates into velvety acceleration. Other changes - a more rigid cylinder head, revised engine mounts, a larger-volume exhaust system - reduce engine noise and vibration.
Meanwhile, various components of the front and rear suspension were modified to attain greater stability and maneuverability. For example, cornering ability and traction were improved by increasing the suspension stroke in the rear.
Such measures paid off handsomely. The ride of the 240SX is quieter and smoother, with greater ease of handling, than that of its comparatively gnarly predecessor.
Both on the freeway and in city traffic, our SE danced from lane to lane with minimum body roll and nary a disturbance to its passengers. It also negotiated an abrupt 90-degree,
25-mph turn with ease.
But Nissan's comfort-conscious refinements have not been made at the expense of performance: The 2.4-liter DOHC 16-valve 4-cylinder engine yields 155 hp at 5600 rpm. And the 160 lb.-ft. of torque at 4400 rpm - in a vehicle that is 80 lb. lighter than the '94 model - means the SE's
8-second 0-to-60 mph performance is a half-second quicker than it was in '94.
At 65 mph in the cruise control mode, the tach purred at a civilized 3600 rpm in fourth gear and an even calmer 2800 rpm in fifth. At 60 mph on the freeway, we gave it some gas and downshifted from fifth to fourth, and the SE delivered all the passing power we needed.
Braking power with the optional ABS was also impressive on our tester: In a light drizzle, our SE descended from 30 mph to a dead stop in less than 4 seconds.
No doubt, the gearheads will find something lacking in the Nissan 240SX's upscale move - and its accompanying emphasis on comfort over flash. But Nissan probably figures that offering four flavors of its awesome 300ZX road warrior is enough to satiate even the most rabid of racing enthusiasts.
For the rest of us, the graceful lines of the 240SX offer a dignified way to make sure that the transition into middle age is a relatively painless one.


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Statco Warehouse Company Incorporated, located one mile from New York City, is a facility with over 600,000 square feet of pick and pack space. We have served major and minor manufacturers selling apparel, electronics, gift items, cosmetics, and toys. We ship to all department, discount, specialty, and retail stores, domestic and export. We specialize in web / e-commerce, including gift wrapping. Contact Statco Warehouse Company Incorporated. We look forward to fulfilling your needs.
301 16th Street
Jersey City, NJ 07310
1.2 million square feet in Kearny NJ specializing in:


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VELUX BBX FK08 0000 Vapour Barrier 66x140cm
Product Code:
Manufacturer Code:
Estimated Delivery:
1 working day
1+ £22.50
2+ £21.25
4+ £20.00
7+ £19.40
Size (W x H):
Help prevent condensation from forming in your roof construction with the VELUX BBX vapour barrier
The VELUX BBX 0000 vapour barrier is the perfect accessory when it comes to installing your VELUX roof window and helps prevent condensation from forming in the roof construction. A fully welded rubber gasket with a double pressure seal guarantees speedy installation and a vapour and air-tight solution.
- Complete vapour barrier collar, fully welded in all corners
- Reinforced corners for extra security against perforation
- VELUX installation tool helps fit the collar in a matter of minutes.
Product Specification
|10 years
|Size (W x H)
|66 x 140cm
|Vapour barrier
Delivery, Cancellation & Returns
For our delivery, cancellation and returns policy.
Customer Reviews
13 April 2018
All good16 January 2018
Excellent11 October 2017
Good Service15 March 2017
Easy to fit recommended in vapour areas31 January 2017
Shown neighbour who was impressed with speed of installation31 January 2017
A useful product - good quality31 January 2017
Fitted well, does what it says on the box!21 September 2016
brilliant30 April 2016
Good03 February 2016
fitted well, does what it says on the box!


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If your cat snubs a new food or toy, consider donating the unwanted items to a local shelter or animal rescue group. Call in advance to confirm that such donations are accepted.read more
You probably wouldn't encourage a toddler to smoke, but if you subject your pet to secondhand smoke, you might as well be offering kitty a cigarette. "The correlation is similar to what is seen in children: Smaller lungs have less reserve and are more likely to be affected," says Laura Sullivan, DVM, of Cascade Hospital for Animals, in Grand Rapids, Mich.
Recent studies confirm Dr. Sullivan's assertion, warning that secondhand smoke may lead to deadly diseases in your cat. So if personal health risks haven't compelled you and your houseguests to quit smoking yet, there is a new incentive: the well-being of your cat.
Consider the Dangers
The health risks associated with inhaling secondhand smoke have proved to be just as worrisome for cats as they are for people. But unlike you, your cat doesn't have the choice to escape the environment to get fresher air, says Shera Dickie, DVM, of St. Julian's Cat Care, in Dearborn, Mich. What's more, pollutants from the smoky air collect on your pet's coat. Since cats are meticulous groomers, they can easily ingest these harmful substances as they lick their fur.
According to a Swedish study cited by Dr. Dickie, "six out of seven cats that lived in a smoking home had pathological changes in their lungs." These changes foretold the emergence of cancer for the majority of the cats. Here are a few other diseases your cat runs the risk of developing if regularly exposed to secondhand smoke:
Malignant lymphoma This aggressive type of cancer occurs in the lymph nodes and can be fatal. In fact, "Three out of four cats with this disease are dead within a year of diagnosis," says Dr. Dickie. Cats living with smokers are twice as likely to get this disease, and the risk elevates with increased exposure.
Squamous cell carcinoma This type of cancer plagues a cat's mouth. A study conducted at Tufts College of Veterinary Medicine found there is a higher incidence of this illness among cats living with smokers for more than five years.
Nicotine poisoning Feline explorers drawn to unknown objects, like a forgotten cigarette butt, are especially threatened by nicotine poisoning. The affliction occurs when a cat ingests tobacco. Cigarette butts contain much harmful nicotine -- about 25 percent of the nicotine of a whole cigarette -- so even a small cigarette butt can lead to the death of a cat.
Asthma Cats exposed to secondhand smoke are not only more susceptible to asthma, but they also "tend to heal slower from respiratory diseases, such as viral infections and pneumonia," notes Dr. Sullivan. Increased coughing and breathing difficulty is a possible sign that your kitty suffers around secondhand smoke.
What Can You Do Now?
Proactive, responsible owners have many options to protect their cat from secondhand smoke. But how do you do that if you can't quit smoking so easily? Here are four tips to guide even the most addicted smoker:
Designate smoke-free areas Consider smoking outside, or smoke only in rooms that pets are not allowed in. The less the exposure, the greater the chances your cat will stay healthy.
Use air filters Air filters may help clean the environment, removing harmful chemicals in the air that could block your kitty's respiratory passage.
Clean your pet and your house Regular baths, or at the very least wipe-downs with a damp cloth, can help remove smoke residue from cat fur, says Dr. Dickie. Vacuum and keep all cigarette butts, tobacco products and even nicotine patches out of sight to prevent accidental illness, poisoning or even death.
Look for symptoms Excessive drooling or difficulty eating are symptoms of oral cancer, while labored breathing is a sign of lung cancer. Observe your cat frequently, since catching diseases early on always helps with treatment. If something is out of the ordinary, contact your veterinarian immediately.
The best solution of all? Quitting if you're a smoker -- and encouraging cigarette-carrying visitors to do the same. In the words of Dr. Dickie: "Why expose your beloved furry friend to a potentially preventable disease?"
Natalia Macrynikola is a Group Editor at Studio One Networks, which publishes The Daily Cat.
Kathleen Polizzi says: Really,arrest people for smoking arrest smoking pet owners.That is ridiculous. Especially in this economy. How would you pay for this. You would first have to pass a law. Good luck on that.
Maria says: Interesting. I smoke, I've had one cat live to 18 and have one now who's 17 and still runs around like crazy and an 8 year old who is quite healthy so like everything else with smoking, not everything is true that we're told.
Beverly says: My older sister smokes incessantly when she gets home from work. She has two cats (and two small dogs). The cats stay in their "rooms" away from the smoke. My sister is in denial about the damage her smoking is doing to the poor animals. I am going to copy this article and give it to her. It probably won't do any good. People who subject defenseless animals to smoke should be arrested.
chrislove says: i couldn't live with myself if my cats died cuz of smoking
Amanda says: I love this informative article! I wish more people realized and understood how dangerous and unhealthy it is to smoke near their four-legged animal friends. Animals are people too! We love and care about them and respect them! It's wrong and heinous to smoke near them! They don't have a voice and having to breathe smoke hurts them terribly! I wrote a special poignant book about this very issue and I created a blog to discuss this very issue.
Jen says: How about just not smoke in your home? Thats what hubby and I do. Mostly because washing the walls doesn't apeal to me. Just smoke outside, then your kitties are safe.
alexis says: i am so scared for my cat now cause my mom and dad smokes and my other family members come over my house and i am really scared for my cat what should i do cause i know my mom and dad i not going to stop!!!!!!
Ginger M says: informative concise useful with facts that support the danger this is doing to our cats
Janet says: IMy first cat aged 5 came to me after living for those 5 years with her previous owners who were smokers. My sweet girl developed oral cancer when she was 9 and had to be put to sleep four months after she was diagnosed with oral fibrosarcoma. It makes such perfect sense that the carcinogens in the air would be absorbed into their systems given their grooming habits. It will always gnaw at me if she hadn't lived with smokers she could've or might've had a longer life with me. I suppose I'll never know for sure but its yet another strong argument for not smoking.
viviana says: i think cats are beautiful
lucy says: i would love to buy it and take care of it p.s i love cats.
Cats reach full skeletal development when they are this old:


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Sadly, the page you were looking for is not here.
That's likely because I recently upgraded the software and all the urls were mixed up in the process. I also tested each one of 7,000+ links and weeded out the dead ones.
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text: Michael Schill, "The Mortgage Meltdown and Its Aftermath" by UChicagoLaw published on 2014-01-16T16:50:39Z The spectacular rise and fall of the housing market over the past decade has shaken the foundations of virtually every aspect of our economy. In this CBI, Dean Schill will briefly survey the causes and consequences of the "mortgage meltdown." With the current crisis as a backdrop, he will focus on two or three topics related to his research interests which include (1) whether legal and policy incentives for home ownership are desirable, (2) ; whether the structure of mortgage law makes sense and (3) the advantages and disadvantages of proposals for resolving the current mortgage crisis. This talk was recorded November 9, 2010, as part of the Chicago's Best Ideas lecture series. Michael Schill is Dean and Harry N. Wyatt Professor of Law at the University of Chicago Law School.


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Multiplayer Game Modes : Team
Playing with two or more other people, where you "team-up" with others to play other people in a multiplayer game.
Team is part of the Multiplayer Game Modes category.
You are currently viewing games for Game Boy Color that are marked as Multiplayer Game Modes : Team. Games for other platforms are also tracked by this attribute. You can restrict the list of games below to any of the following platforms:
All Platforms, 3DO, Android, APF MP1000/Imagination Machine, Arcade, Atari 2600, Atari 8-bit, BeOS, BlackBerry, Blu-ray Disc Player, Browser, CreatiVision, DOS, Dreamcast, DVD Player, Fire OS, Game.Com, GameCube, GameStick, Game Boy, Game Boy Advance, Game Boy Color, Genesis, HD DVD Player, Intellivision, iPad, iPhone, Jaguar, Linux, Macintosh, Mainframe, N-Gage, N-Gage (service), Neo Geo, Neo Geo CD, Neo Geo Pocket, Neo Geo Pocket Color, New Nintendo 3DS, NES, Nintendo 64, Newton, Nintendo 3DS, Nintendo DS, Nintendo DSi, Nintendo Switch, Oculus Go, OS/2, Ouya, PlayStation, PlayStation 2, PlayStation 3, PlayStation 4, Pokémon Mini, PSP, PS Vita, SEGA 32X, SEGA CD, SEGA Master System, SEGA Saturn, SNES, Spectravideo, Terminal, Tizen, TurboGrafx-16, TurboGrafx CD, tvOS, Wii, Wii U, webOS, Windows, Windows 3.x, Windows Apps, Windows Mobile, Windows Phone, WonderSwan, WonderSwan Color, Xbox, Xbox 360, Xbox One


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|Offer Dates
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Honda Civic Hybrid MPG-Real World Numbers
justsaayin Posts: 1My Civic hybrid mileage continues to be lower and lower. I bought it new. . . a 2009. The hybrid battery has been replaced 2x by about 55,000 mi. (Scary) I even get poor mileage on the 5 between L.A. and San Fran. Can't blame it on a jack rabbit take-off in that case. I need to keep this car after it's paid off and had liked it enough that I wanted to. . . Just the same, the crummy and crummier gas mileage is a real dud. I am curious as to how off the number "estimated gas mileage" can be in the judge's mind and still be acceptable.0
andy176 Posts: 1Bought a used 2003 HCH last year. The battery had been replaced several years prior. The car gets 34 mpg in town. I wonder if this is a software problem and whether it can be fixed. Probably not. Also, the car rattles a lot, something in the passenger door. Besides the problems, I'm happy with the car. For the price it runs well.0
7592601 Posts: 12006 Honda Civic Hybrid owner. I have had 5 shops check my car, including two different Honda dealers, all confirming my car is in great running shape with everything how it should. If I take it easy on my driving, I will manage to get 36 mpg. By easy I mean taking over a minute to accelerate to freeway speeds, not using the a/c, staying far enough back to not stop at lights, "gliding" when I do reach speed.
I am not he only one that is suffering from Honda's software update in 2010 and 2012 degrading how often the Civic Hybrid battery is used. There are hundreds of blogs of people with HCH not performing how advertised. Join me in holding Honda responsible by signing a petition o the White House website. alturl.com/as38m0
I've had my 2014 Civic Hybrid for just over a month now. Two weeks of that time was a road trip to Canada. With the car very loaded down (my wife and I, a 3 year old, a 5 year old, and all our stuff) we got 45MPG on the way up and 45MPG also on the way back. We averaged 47MPG for the entire 1660 mile trip which I thought was excellent! I typically had 50MPG or better on mini trips while up there like a 150 mile drive to Ottawa. I had one 5 mile drive that I got 63MPG on. That's the best average gas mileage I've had in this car.
Here at home the mileage has been excellent! On my 18.6 mile drive to work, with some stop and go and lots of hills, and sometimes getting behind Amish buggies I get in the high 50s on my way to work and low to mid 50s on my drive home. I had 60MPG three times on my way to work so far and I've hit 58 and 59MPG many times. I've had as high as 56mpg on my drive home but typically get 52-55mpg, still better than I expected!
Anyone looking at a Prius should definitely check out the 2014 Civic Hybrid. Especially with the 2014 base model being so loaded with extra safety features and other nice things. You need to pay a lot more for some of those similar options in a Prius.
My wife and I totally love this car! It's a nice smooth quite ride and we love the look inside and out. The gas mileage has been much better than we expected and all the extras like the cameras, big 7" touch screen, proximity based keys, and safety features are icing on the cake!0
PF_Flyer Pennsylvania Furnace, PAPosts: 8,256
Sounds like you hit the sweet spot on your ride!
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I had my first fill-up after regular driving about a week ago. I had driven 555 miles since the last fill-up and it took 10.8 gallons for 51 mpg! I hit 62mpg driving to work one day this week. Extremely happy with my 2014 Civic Hybrid!
Honda, if you're reading, here are a few things you should fix to make this incredible car a little better.
- The engine will always start if you shift into park. I can't think of any reason this should happen as it wastes gas unless of course the battery needs to be charged but it does this every time. Please fix this.
- I would also like an option to start the car without the engine running. Let the default as is, starting the engine, but give an option in the settings so that it will not actually start the gas engine until you shift out of park and take your foot off the brake.
- HDMI input doesn't work correctly with some devices like the Flip HD and the Nikon Coolpix 6500. It works great with my Droid Razr Maxx HD except for the issue in #4.
- HDMI input doesn't have correct aspect ratio settings. The settings would be fine if it was a 16:9 aspect ratio display but it's 16:10 so the options need to be changed. Right now there are three, "Normal" which is supposed to be 4:3 and would be on a 16:9 display but is not on this. "Full" which is full screen and is supposed to be 16:9 I guess but it wasn't designed with the fact that the physical display is 16:10 so it's not right. "Zoom" which I think is fairly useless but is for making a 4:3 display fill a 16:9/16:10 display but it cuts off the top and bottom of the image. I think there should be four options. "Normal" for 4:3 like now but corrected for the 16:10 display. "Full" same as now, no change. "16:9" which should be like full but with a small black border at the top and bottom of the display so the image is not distorted, stretched vertically, like it is now with "Full". "Zoom" can stay the same I think.
- I would be nice if the trip computer on the 7" audio display would have three tabs, "Current Drive", "Trip A", and "Trip B". Right now it only ever shows "Current Drive" and one of the other two but never both of the other two. Sometimes I prefer that view to using the i-MID and there is plenty of room for a third tab on that screen.


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hey everyone,
I finally got the time to write an intro for myself. This is the second time that i had to register with AO. The first time was around the new year and I unfortunatly had to go protect American interests over seas for a couple of months. I just got out of the navy, where i served a 10 year sentence in submarines. I work on a hp unix system with fiber and atm thrown in. Im more technician than software but im trying to learn. If I say something stupid, let me know. (famous last words)


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Available Options:
"First, I'll tell about the robbery our parents committed. Then about the murders, which happened later."
Then fifteen-year-old Dell Parsons' parents rob a bank, his sense of normal life is forever altered. In an instant, this private cataclysm drives his life into before and after, a threshold that can never be uncrossed.
His parents' arrest and imprisonment mean a threatening and uncertain future for Dell and his twin sister, Berner. Willful and burning with resentment, Berner flees their home in Montana, abandoning her brother and her life. But Dell is not completely alone. A family friend intervenes, spiriting him across the Canadian border, in hopes of delivering him to a better life. There, afloat on the prairie of Saskatchewan, Dell is taken in by Arthur Remlinger, an enigmatic and charismatic American whose cool reserve masks a dark and violent nature.
Undone by the calamity of his parents' robbery and arrest, Dell struggles under the vast prairie sky to remake himself and define the adults he thought he knew. But his search for grace and peace only moves him nearer to a harrowing and murderous collision with Remlinger, an elemental force of darkness.
A true masterwork of haunting and spectacular vision from one of our greatest writers, Canada is a profound novel of boundaries traversed, innocence lost and reconciled, and the mysterious and consoling bonds of family. Told in spare, elegant prose, both resonant and luminous, it is destined to become a classic.
RICHARD FORD is the author of the Bascombe Trilogy, which includes The Sportswriter and its sequels, Independence Day-- the first novel ever to win both the Pulitzer Prize and the PeN/Faulkner Award-- and The Lay of the Land. He has also written several short story collections, including Rock Springs and A Multitude of Sins, which was a bestseller in Canada. He lives in East Boothba, Maine, with his wife, Kristina Ford.
"This is a brilliant and engrossing portrait of a fragile American family and the fragile consciousness of a teenage boy. It is also fascinating in the way it reveals the plot in the opening page and then winds backwards, offering a more and more intimate version of the story."
-Colm Toibin
"Pure vocal grace, quiet humor, precise and calm observation."
-The New Yorker
"[Canada]confirms his position as one of the finest stylists and most humane storytellers in America… his most elegiac and profound book…"
-Washington Post
"Robust and powerful… Ford is able to tap into something momentous and elemental about the profound moral chaos behind the actions of seemingly responsible people… Ford has dramatized the frightening discovery of the world's anarchic heart."
-Wall Street Journal
"A triumph of voice.... The writing... is spare, but heartbreaking."
-USA Today
"Richard Ford returns with one of his most powerful novels yet…Ford has never written better…Canada is Richard Ford's best book since Independence Day, and despite its robbery and killings it too depends on its voice, a voice oddly calm and marked by the spare grandeur of its landscape."
-Daily Beast
"Awe-inspiring… The laconic, grief-stricken voice of Dell, looking back on his past, trying to make some kind sense of what happened when his family imploded, keeps you turning pages, as do the quiet, thought-provoking revelations that Ford drops in throughout."
-O, the Oprah Magazine
"Told in Ford's exquisitely detailed, unhurried prose…Ford is interested here in the ways snap decisions can bend life in unexpected directions... Canada's characters grapple with this... and the answers they come up with define the rest of their lives, along with this quietly thoughtful book."
-Entertainment Weekly
"Masterly… in Ford's American tragedy, filled with lost innocence and inevitable violence—a rusting carnival, a rabbit caught in a coyote's jaws—geography feels a lot like fate."
"One of the most memorably heartbreaking novels of the year."
-Christian Science Monitor
"[Ford's] newest novel Canada, shows an artist in full command of his craft—sparsely elegant and bracingly direct, with a refreshing lack of irony or tricks."
-Men's Journal
"Marvelous…Canada is a masterpiece of a story with rich language and dialogue filled with suspense, bleakness, human frailties and flaws, and a little bit of hope seen through the eyes of an adolescent boy whose emotions seem often aligned with the desolate landscape of its setting."
-The Oregonian (Portland)
"A must-read. . . . Canada reminds us why Ford is considered one of this country's most distinguished writers."
-St. Paul Pioneer Press
"[A] deeply felt and magnificently imagined work…With Canada, Ford has given us his deepest exploration yet of weakness and betrayal set amid a boy's coming of age. It is a memorable novel, suffused with love, sorrow and regret."
-Austin American-Statesman
"[A] novel about big truths told by a writer with clear vision…solid, satisfying craftsmanship. This is a Richard Ford novel in the tradition of his earlier work. It also is a coming-of-age story, and a story about the discovery of identity."
-Washington Independent Review of Books
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Simple Beauty
Dianna Murphy 7/12/2010 3:33:30 PMA warm congratulations on your wonderful finalist and a big good luck in the next round to you. #1287567
Kelly Heaton 7/12/2010 5:51:48 PMLove the color and comp! Congratulations! #8753969
Terry Cervi 7/12/2010 6:46:45 PMThis is simply stunning, Guy! Hope it goes all the way! #8754503
Sherran Andersen 7/12/2010 7:13:06 PMCongrats! #8754650
Joannie Bertucci 7/12/2010 10:37:40 PMLove the beautiful composition and the strong contrast in the colors! Congrats Guy on your lovely Finalist! #8755663
Jeff Robinson 7/13/2010 3:30:45 AMCongrats Guy on your Finalist!! Jeff #8756125
Tarun Bose 7/13/2010 10:41:14 AMCongrats for your finalist, Guy. #8758125
Shawn Jennings 7/28/2010 12:40:18 PMBeautiful image, Guy! Congratulations on your finalist! #8791574
Deborah C. Lewinson 9/15/2010 7:32:11 PMCongrats, Guy, on this gorgeous finalist!
Debby #8905362
Maine lupine.
Uploaded on 6/30/2010 6:35:52 PM
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As many of you have noticed, we are making improvements to the way you can view our free SketchUp models at Popular Woodworking Magazine. This feature has been enormously popular and we are looking forward to expanding the content that will be available. The site is currently under heavy construction by our online wizards and they assure us that the site will be fully functioning soon. In the mean time, feel free to check out a myriad of plans and models in Google's 3D warehouse, such as the Stickley 369 Morris Chair from our April 2011 issue.
We are also making improvements to the rest of the web site. Check back often to see all the new features. PW


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|Episode Description
|Saturday, Jan 12, 2013 - 12:00 AM
"Workshop 2. Encouraging Discussion"
Introduced by Dr. Langer, this program concentrates on discussion and its importance in helping engaged readers go further in the text. The onscreen teachers talk about ways to encourage wholeclass and smallgroup discussion, the importance of asking the right questions to provoke thoughtful discussion, and making the discussion inclusive, including both talkative and reticent students. Their discussion is punctuated by visits to their classrooms, where discussion flourishes. D
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text: on 2018-01-14 Events - Martinique Ads | Classifieds Martinique | Buy and Sell Martinique | Mobile Friendly | Post Ads | Free Ads Martinique | Martinique Classifieds Ads We use cookies to ensure that we give you the best experience on our website. See more at our Privacy Policy Wednesday, 22 August, 2018 | Home | Post Ad International (154) Martinique (117) Post Ad Post Event Qtellplus Social Network Edit Post Ad Search - Events - Go Home / Events Events Martinique Classified no Registration Required Mobile Friendly Post Advertising Global Buy - Sell Classified Ad Trade Products Services 365 Day Classified B2B Buy Sell < Previous Day Sunday, 14 January, 2018 Next Day > Featured Ad Mobile friendly classifieds ads post unlimited plus Tablet friendly Full List Ads News ( United States of America, International ) Post unlimited free ads on all Qtell web sites no account required mobile and tablet friendly, your classified ad if selected will be posted on facebook. Classified News: This Classified Web S... Starts: Jan 1, 16 Ends: Dec 1, 21 Categories » Accountancy Agriculture Architecture Art and Enterainment Automotive Body Care Business Global Business to Business Care Children and Babies China Manufacturers Communications Computer Construction Consultancy Consumer Content Writing Dance Design Distribution Drop Ship Companies Education Education Training Electrical Employment Engineering Entertainment Environmental Estate Agents Fashion Financial Food Franchises Garden Global Manufacturers Hair and Beauty Health Hire and Rental Home and Family Horticulture Hotel Industry Insurance Internet Jewellery and Clocks Joblots Local Community Luxury Machinery Manufacture Maritime Master Franchises Medical Military Miscellaneous Non Profit Occupational Safety Outdoor Property Part Time Opportunity People and Services Pest Control Pets and Animals Photography Pod Casting Tools Print and Design Promotional Property Services Public Utilities Recruitment Repair and Maintenance Retail Safety Sales Science and Research Search Engine Listing Security Service and Providers Signs Small Business Social Networking Solar Energy Sports Storage and Supplies Taxi Business Technology Telecom Trade Transportation Travel Uk Distributors Used Goods Volunteer Warehouse Weather Web Design Wellness Wholesale Distributors Martinique Ads | Classifieds Martinique | Buy and Sell Martinique | Mobile Friendly | Post Ads | Free Ads Martinique | Martinique Classifieds Ads. Rights Reserved Terms of Use Privacy Policy Post Ad Edit


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I had already been able to record a message at odeo but this time I tried something different. I recorded a file about my eating habits into my MP3 player which has a WAV extension, then I used zamzar.com to convert the file into mp3 extension. Later I uploaded the mp3 file to odeo, got a code for the player and here it is. Now I know I can use this when recording my students in class. FINALLY!
powered by ODEO
This time I´ll try to insert a mini-console suggested by Dennis Oliver. Hope it works:
April 27, 2007
April 20, 2007
You can use this site to embed files (word, powerpoint, etc) to your blog. Look what I found there. Aren´t these pictures amazing?
This a wonderful tool I saw in Sharon´s blog www.webheadtools.motime.com. It´s from voicethread.com and allows other people to leave voice messages. Great tool! Please do leave me a message.
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This was created solely to serve as a bumper or intro buffer for streams to have something running that shows things are about to begin. As such I'm posting here rather than Presentation since I won't be offering a download since I think it's pretty vain (my logos, my map) and the music adds 47mb to the file size. I think some info on the techniques could be useful though so I'll post a few here and answer any questions I can.
older video
For better or worse, it's the same exact thing I did for the Seven Bullets menu map, so you can take a look there for details.
The main show is an attach mover set in permanent rotation above the intended view target.
A SpectatorCamera is added, rotated to face the view target and set at the desired height/distance.
If your target is going to be a logo, a Panel is placed there and rotated to face the SpectatorCamera. You might be able to use a brush but I find compared to meshes, texture resolution is not as good on bsp no matter the quality property. I'm only using 1024 textures and there is very little noticeable aliasing. Resize the panel using DrawScale, change the style as you see fit (Masked, Translucent, Modu) and attach it to the mover.
Setting the game type to UTIntro should get everything going.
Since the camera is essentially glued to the attach mover it ends up getting rotated perfectly around the view target. Panels behave the same and this gives the impression of the camera being in tidal lock with them; or that the panels are static hud elements until a world object moves over it.
You could probably do some more interesting things using the same concept. An attach mover on a complex path. Moving a modulated panel with a single white dot towards the camera to create an opening aperture effect. Attach movers were one of my favorite scripting tools and their usefulness I think is frequently overlooked.
[UT] "Standy-By" menu map guide
For questions and discussion about UnrealEd, UnrealScript, and other aspects of Unreal Engine design.
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Subject: [UT] "Standy-By" menu map guide
Post Posted: 08 Jul 2016, 04:43
- zYnthetic
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Subject: Re: [UT] "Standy-By" menu map
Post Posted: 08 Jul 2016, 07:27
Also, if someone knows how to get animation to work on decos that would be a help. Using knives with Nali meshes and AnimRate doesn't do anything. I've even tried creating a subclass with a loopanim function like Flag1 uses without any luck. It's not a deal breaker but I'd like my Nails to loop their anims without having to use actual pawns and have them habuji'ing everything up.
Actually, I figured it out. Should have used the loopanim from Nali, not flag. If anyone else is curious about animating pawn meshes on decos, just subclass them, set bStatic=False, and use the playanim/loopanim line from that pawns script in this
Actually, I figured it out. Should have used the loopanim from Nali, not flag. If anyone else is curious about animating pawn meshes on decos, just subclass them, set bStatic=False, and use the playanim/loopanim line from that pawns script in this
Code: Select all
function PostBeginPlay()
LoopAnim('Pray', 0.2 + 0.1 * FRand());
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