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WASHINGTON — More than 18 months after the largest bank failure in U.S. history, regulators of the collapsed Washington Mutual Inc. faced a day of reckoning Friday, with a key lawmaker accusing them of gross incompetence.
The bulk of Sen. Carl Levin's ire was directed at the Office of Thrift Supervision and its former director, John Reich, who was grilled for more than an hour about why he allowed risky lending practices to proliferate at Wamu and whether he was too cozy with its executives.
The OTS only acted forcefully, Levin charged, to block the Federal Deposit Insurance Corp. from seeking more information.
"You wouldn't even give them a desk," said Levin, the chairman of the Senate Permanent Subcommittee on Investigations. "About the only time OTS showed backbone was against another agency's moving, in your view, into your turf. … I don't see your blood pressure getting up against a bank which is engaging in the kind of dangerous practices that that bank engaged in."
In reference to internal OTS e-mails, Levin sought to portray Reich as almost reverent toward Kerry Killinger, the thrift company's former chief executive. He noted an e-mail to Killinger in which Reich said he was "sorry" for an action against the thrift.
"Are you at all embarrassed by this?" Levin asked. "You should be."
"I'm not disturbed by it," Reich replied. "I make no apology for that e-mail whatsoever."
And as in other high-profile hearings involving former regulators and executives of troubled institutions, Reich was defiant, arguing that Wamu's collapse was not his fault and that, in fact, it should not have been closed by the government.
His comments to Killinger just reflected his personal style, he said, and he was not too close to the CEO.
"I am by nature, Mr. Chairman, a humble person," he said. "I'm a casual person and an informal person, and it's not at all unusual for me to address the people who run the institutions that I supervise by their first names, if I know them, particularly if I'm 10 years older than they are."
In his prepared remarks, Reich categorically denied any effort to protect the thrift.
"As director of the agency, I never felt beholden to 'preserve' Wamu or any other chartered entity under our supervision for the purpose of preserving OTS' revenue stream or its standing as a separate regulatory agency," he said.
Reich's defense echoed comments earlier in the week by Killinger, who said Wamu should have been rescued by the government but was not because it lacked good connections with Washington policymakers.
Wamu was closed because of liquidity problems sparked in part by a run on the bank, Reich said. "Though asset quality was a growing and continuing concern at Wamu, this was a liquidity failure, not a capital failure," he said.
The former OTS chief said that government programs, including an expansion of deposit insurance coverage, introduced within two weeks after Wamu's collapse could have prevented its failure.
He also said other companies later got massive assistance in order to prevent their failure.
"Although Washington Mutual has been referred to as the largest failure in American history, in fact the largest failure in American history was Citi," he said. "It wasn't allowed to fail. It was bailed out."
Though Reich also spent much of his last years at the OTS defending the thrift charter, he ultimately blamed Wamu's problems on the charter, saying it barred the company from diversifying.
"In my personal opinion, the thrift charter is obsolete because the … statute requires that two-thirds of their assets be invested in real estate loans, which is a concentration," Reich said.
But Levin was not persuaded. He derided Reich and the agency for waiting months to downgrade Wamu's Camels rating or to take any public enforcement action against it until too late.
"Even after all these years and all these violations, you finally decide in early 2008 you're going to push it from a 2 to a 3, you don't make that public," and "you delay" issuing the memorandum of understanding with Wamu "for months," he said. "You apologize in an e-mail. 'I'm so sorry,' you say. You're so sorry … . It's not only feeble enforcement. It's pitiful enforcement."
In response, Reich said he did regret not reining in loan products at Wamu that he himself felt were too risky, but ultimately, he said, the thrift giant failed because uncertainty about the banking industry caused a systemwide panic.
Reich also defended himself regarding e-mails in which he expressed disdain for FDIC Chairman Sheila Bair, who was pressing the OTS for tougher action against Wamu. In an e-mail to another OTS employee, Reich said, "I cannot believe the continuing audacity of this woman."
On Friday, Reich said he regretted those words.
"Characterize it how you may," he told Levin, but "I have the highest regard for Sheila Bair. … These were tense times. People's blood pressure increases under situations like this, and sometimes we say things that we wish had not appeared in print."
Reich said the OTS' reluctance to give the FDIC access was intended to limit confusion.
"When the FDIC enters the premise, confusion develops about who really is the primary regulator," he said.
The agency's reputation has been battered by the financial crisis as several large thrifts, including BankUnited and IndyMac, failed. Regulatory reform legislation would eliminate the agency.
Levin has also directed some relatively light criticism at the FDIC. In response, Bair, who testified separately from Reich, acknowledged that a 2002 interagency agreement dictating when the FDIC may get involved should be beefed up.
"The agreement limited our direct access to bank employees and required the FDIC to rely, when possible, on examinations and inspections conducted" by the primary regulator, she said. "The compromises that appeared reasonable in theory at the height of the banking industry profitability served to blind us when the FDIC needed to implement this agreement in practice."
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Hotels in Innerberg, Austria
Search & Compare Innerberg Hotels
Save up to 40%!
Get instant savings with Secret Prices
Best hotels in Innerberg
Innerberg overviewWhile you're here, stop by Schnifner Seilbahn and Muttersberg. Innerberg is an inviting destination that has something for everyone.
Where to stay in InnerbergWhether you're planning to stay for a night or for the week, the area around Innerberg has accommodations to fit every need. Search for hotels in Innerberg with Hotels.com by checking our online map. Our maps display the areas and neighborhoods around all Innerberg hotels so you can see how close you are from landmarks and attractions, and then refine your search within the larger area. The best Innerberg hotel deals are here with our lowest price guarantee.
How to get to InnerbergFly in to Altenrhein (ACH-St. Gallen - Altenrhein), 21.6 mi (34.8 km) from downtown Innerberg.
What to see around InnerbergSome recommended places to see include:
- • Schnifner Seilbahn
- • Muttersberg
- • Laurentius Church
- • Bludenz City Museum
- • Loischkopfbahn
When to visit InnerbergIf you're still deciding when to visit, here are the seasonal norms to help you plan:
Seasonal temperature averages
- January-March: 52°F day, 30°F night
- April-June: 75°F day, 40°F night
- July-September: 78°F day, 51°F night
- October-December: 62°F day, 33°F night
- January-March: 0.12 inches
- April-June: 0.31 inches
- July-September: 0.35 inches
- October-December: 0.16 inches

subset: commoncrawl


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2017 BMW 3-Series eDrive Plug-in Hybrid. Hybrid series called the 3 ingredients in a string variable Commonwealth 3. While there are visual differences between the legal tests that we spied versus standard vehicles, we can make something like a camouflaged cargo port in the fender of the car. Unlike the ActiveHybrid 3, electric range, which will be limited to only 2.5 miles, series ELA 3 able to drive only the electrons up to 30 miles? Electrical components have been designed to fit inside any model based on the stand F30, which all variations of seven body with logo series 3 and 4, and most likely the concept X5 engine revealed ILA show last fall in Frankfurt.
Automakers in Europe are desperate to complete the electric hybrids and plug-ins to meet rigid standards very efficiently. In addition, after strong investment in its efficient dynamics and mark me, BMW will need to make some economies of scale. Spread the fruits of those efforts to the traditional vehicles of the brand is the first step.
2017 BMW 3 series Schiff Ella is leverage can meet the quality requirements. The new car is ready to promote the automotive world today people will be shared, and stunning. The sixth generation sedan comes in the lineup and with an attractive new design. BMW, the German car manufacturer, working largely in his series "Ella" novel Schiff 3. The new vehicle basic improvement is conceived as a plug. Will make this new hybrid car components in one or more recognized alone.
2017 BMW 3-Series eDrive Plug-in Hybrid Exterior
Gene that comes in the BMW 3 series eDrive Schiff will be more elegant than the outside compared to the former model. Allure Salon sedan that's ideal for all those who also find satisfaction and comfort in one car. Come eDrive new BMW 3 series chef with one simple redesign, beautiful and athletic. BMW has taken a lot of actions that take your model 2017 BMW 3 series-Ella Schiff additional aerodynamics model thin frame and broad nose. At the entrance of new composite elements, it comes equipped with huge grille has a rectangular shape.
This displays the drive to seek aggressive and consumers can expect male differences. In addition, it seems stronger in reference to black. There are attractive lighthouses, LED technology designed in both equally on both sides of the car, giving it attractive sports along with an outside view. This new model car containing novel feature of commentary, z axis are multi-link uses a function handle and better control.
This displays the drive to seek aggressive and consumers can expect male differences. In addition, it seems stronger in reference to black. There are attractive lighthouses, LED technology designed in both equally on both sides of the car, giving it attractive sports along with an outside view. This new model car containing novel feature of commentary, z axis are multi-link uses a function handle and better control.
2017 BMW 3-Series eDrive Plug-in Hybrid Interior
Interior design for 2017 BMW 3 series-Ella Schiff on the mind only. It also provides comfort inside the cabin where each cockpit design uses the concept of luxury and comfort. The cabin was designed in wide technique for 5 people in the facility, which makes it a better way to spend a family holiday. The seats inside the cabin consists of high-quality leather and synthetic materials with a more durable and elastic top quality. In addition, customers can get a new car with additional internal features, this type of collision warning system, screen blind place, navigation system, parking assist and many useful features and other elite. You'll reach a cabin that has a powerful new sound system, recognized Cardon, which can be a component of the system of information and entertainment.
2017 BMW 3-Series eDrive Plug-in Hybrid Powertrain
Details are sketchy, but hopefully drivetrain Turbo four-cylinder with 75 HP electric motor with lithium-ion battery. We suspect would be Turbo four liters N20 2.0 that are found in the 328i (240 horsepower, 255 pound-feet of torque) in the 320i (180 horsepower, 200 lbs/ft). "Road Cruiser" should be possible only electronic payment should be provided greater big boost in speed on the 328i. Taking into account the difference between 0-60 times between 328i 335i straight-six engine in our tests only
2017 BMW 3-Series eDrive Plug-in Hybrid Engine And Performance
BMW is the car which contains joy in terms of electricity, as well. New-vehicle expected to provide improved performance and keep the fuel from the previous edition, and will be run by two diesel and gas engines. BMW 3-series GT (Gran Turismo) 330e hybrid after delivery options in engine (228i) change comes equipped with a 2.0-liter turbocharged engine gives you maximum electricity 252 horsepower with 260 pounds per foot of torque. Fuel consumption would be a winner for this one, only about 2.2 l/100 km (107 mpg) and g-power over 22/35 km. This engine can be combined with the eight-speed automatic transmission to deliver the vehicle expected aggression. The engine offers performance in combination with an electric motor which gives new car 74 extra horse powers.
Through this mix is great, having the ability to hit the streets with electrical control only. 3. The new BMW series 2017 Ella Schiff will probably be able to run on electrons with a maximum length of 29 km without gasoline. Composite product has this type of specialization with impressive competitor in the industry. GT Turbo 3.0 liter there 330i offers 326 HP and 332 lb-ft of torque and 340i gt, electrical power was not confirmed.
On the other hand, offer a diesel engine which has three barrels of the new car a maximum 150 horsepower. Both engines also probably linked to computerized eight-speed provide new car aggression. Hybrid series will have 3 new modes with rear wheel drive or four wheel drive. This new car engines acceleration of 0-60 mph in 5.6 seconds, with a top speed of 140 km per hour. In General will be the engine of these new vehicles beyond the expectations of potential buyers.
2017 BMW 3-Series eDrive Plug-in Hybrid Price
According to rumors, it expected 2017 BMW 3 series Schiff Ella hit industry for sale around 2017. As for the facts of the price, the value will be different new Ella chef series 3 BMW $ 55,500 to $ 60,000.


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Pioneers and Prominent Men of Utah, Volume 2Pioneers and Prominent Men of Utah, Volume 2. Frank Esshom. (1913) 2006. The author has collected nearly six thousand photographs of Utah pioneers (before 1869) and other prominent early members of the Church of Jesus Christ of Latter-day Saints. In a separate section are included brief biographical and genealogical sketches of these men and many more from the same era.This large volume is divided into three sections. The first seven hundred pages are devoted to the photographs, nine to a page. Next are the sketches, filling nearly six hundred pages. The book concludes with a brief chronological history of the church.The pioneers are those who arrived in Utah between 24 July 1647 and 30 December 1868, before the coming of the railroad. To these are added other prominent Utahans who arrived after the coming of the railroad, such as stake presidents, ward bishops and governors.The author collected the material by travelling around the state and interviewing the pioneers themselves, or their descendants, and following up with correspondence. This volume is, therefore, much like the mugbooks and genealogies created about this time, in that it includes reliable data on recent generations which may not be easily found by modern researchers in surviving records.
Frank Esshom, Pioneers and Prominent Men of Utah, Comprising Photographs - Genealogies - Biographies (Salt Lake City, Utah, 1913). Archive CD Books USA


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Autism Unites started developing vocational programs for young adults with autism in both Urban (Culver City) and Rural (Solvang) areas.
In Culver City Susan Osborne, the Executive Director of Autism Unites, started to develop Walking Tour in collaboration with Culver City Historical Society.
On Saturday, December 20th Susan Osborne met with Julie Lugo Cerra from CC Historical Society. Julie provided valuable information and was eager to help. She is the author of four books – one of which is "Images of America: Culver City".


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Grab Rails
Fluted Grab Rail£8.29 (£9.95 inc. VAT)A range of plastic grab rails with grooves along the length of the rail providing extra grip, partic... Learn More
Prima Grab Rail£8.17 (£9.80 inc. VAT)An innovation in safety grab rail design. The Prima grab rails feature special soft grip mouldings a... Learn More
GripSure Grab Rail£7.29 (£8.75 inc. VAT)GripSure grab rails have soft, ribbed mouldings to provide additional grip in wet areas. Learn More
Our selection of bathroom grab rails help with access and stability when using a bath or shower.


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In an interview with Wired's Game|Life blog, a VP from blizzard stated that the game will not have player-hating (haha I used that term in a proper form) Digital Rights
Malware Management components installed.
Instead of punishing loyal fans, and I am certainly a fan of Diablo, Blizzard has opted to keep the same verification measures used in Diablo II, which includes verifying the game for online use only.
"Pardo: The thing that I think helps us, is that since our games have such a huge multiplayer component, Battle.net really is our most effective DRM.
If you wanna play online on Battle.net with other players you're going to have to have a legitimate copy. That's really kinda been the thing that's always saved us from a lot of the PC piracy that I think hurts a lot of other single-player-only games."
Gamers Win!
Blizzard gives us a fair balance of features in return for restrictions. You can not just steal the game and get the best experience from it, you give up a little to gain access to the multiplayer parts (the fun bits). Spore may hopefully have taught the game production businesses a valuable lesson.


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8 bits combined into a sequence is called a byte. A bit is a single binary digit consisting of a 0 or a 1. A byte can represent a decimal number up to 256, and it was designed to encode a single alphanumerical character or mathematical symbol.Continue Reading
Bits and bytes describe digits and sequences of binary code, which is a base-2 number system. Base-2 means that it uses two different digits: 0s and 1s. The numbers we use in everyday life are part of the decimal system. This is a base-10 system which uses 10 digits, 0 to 9.
Other names for sequences of bits include;


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All about OE guide, and howto's http://www.insideoe.com/sitemap.htm
Messages in Inbox or other mail folders disappear http://www.insideoe.com/problems/bugs.htm#mailgone
Outlook Express User Files http://www.insideoe.com/files/store.htm#storemain
"OE is not a dedicated database program, and can have problems with very large files, making them prone to corruption and data loss. For this reason alone, you should not use the Inbox to store messages. Instead, create other folders for storing mail and leave the Inbox for incoming mail."
To create other folders click on 'Local Folders' so that it is highlighted, now rightclick on it and select 'New Folder' now give the new folder a name and click on OK. To move an email to another folder just drag and drop.
Folder structure should look like this:
Local Folders
Sent Items
Deleted Items
First new folder you just created
Second new folder you created


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Saoirse Ronan Was 'Born To Be On The Stage', Crucible Director Says
Saoirse Ronan wears a cute pink dress while out and about in New York City earlier in the week.
A few days later, the 21-year-old actress met up with her Crucible cast mates and met some fans outside the theater.
PHOTOS: Check out the latest pics of Saoirse Ronan
Speaking with Irish Times, director Ivo Van Hove dished about Saoirse's acting abilities on stage.
"She comes, of course, from a theatre family. After two days' rehearsal, I told her it was as if she was born in the theatre," he said.
25+ pics inside of Saoirse Ronan…
Posted to: Saoirse Ronan


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BraincraftedBootstrapBundle integrates Bootstrap into Symfony2 by providing templates, Twig extensions, services and commands.
Tools you already know are used to manage dependencies (Composer) and assets (Assetic) and we follow the PSR standards and conventions. You will know around if you are familiar with the Symfony ecosystem.
Templates and bundles are automatically configured with sensible defaults to get you started. Don't worry, you can customize every aspect at any time.
The bundles includes templates to style forms from the Symfony2 form component, menus from KnpMenuBundle and pagination from KnpPaginatorBundle without any additional markup.
We've included additional form types, for example, to add interactive collection widgets to your forms.
Twig extensions are included in the bundle to help you style labels, badges and icons.
Helpers and services can be used to, for example, create nice looking flash messages in seconds.
Repetitive tasks are boring and easily forgotten. That's why the bundle adds commands and script handlers for Composer to do these things automatically for you.
BootstrapBundle supports both the Less and the Sass version of Bootstrap.


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Home > Journals > IJ-SoTL > Vol. 3 (2009) > No. 2
Article Title
Excerpt: When I first became involved formally in scholarship of teaching and learning, it was the result of frustration and surprise tempered by high expectations and hope. I was teaching in a school of liberal studies that used program portfolios as an intellectual organizing feature and culminating assessment (self and otherwise). Students were to use this portfolio (physical, not online) to collect and reflect on work they accomplished during their time in the program. But in teaching the senior synthesis course, wherein students were to "go meta" with the portfolio and reflect on their entire undergraduate experience, I learned that virtually all of them treated the portfolio not as...
Recommended Citation
Gale, Richard
"Asking Questions that Matter … Asking Questions of Value,"
International Journal for the Scholarship of Teaching and Learning:
Vol. 3:
2, Article 3.
Available at: https://doi.org/10.20429/ijsotl.2009.030203
Creative Commons License
This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License.


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How to cut and serve cheese
Cheese from Spain is great for impromptu entertaining. Choose a variety of colors and flavors for an optimum aesthetic and taste experience.
Depending on the particular type of cheese there is a recommended way to slice. The key to slicing is texture and flavor. Semi-soft, sharp flavored cheeses such as Manchego, Zamorano and Mahón should be cut into thin slivers. The rind may be left on the outer edge as a visual clue to the type of cheese being served. The rind is not meant to be eaten.
Cheeses such as Cabrales are best served in large chunks from which guests can help themselves by cutting this crumbly king of cheeses with a knife.
You may want to arrange a cheese platter starting with the mildest flavored cheeses followed sequentially by sharper cheeses.
These cheeses will go well not just with tasty bread and crackers but also with fresh fruit like apples and grapes.
You can use any of the cheeses in recipes to add a little zest. See the recipe section for some ideas. The only limit on how they can be used is your culinary creativity.
How to preserve and store cheese
Cheese should be stored in a cool dry place, such as the refrigerator. Do not freeze the cheese. Freezing kills the cheese and changes its flavor and texture.
For best results, store wedges of cheese in a plastic container sealed with a tight fitting lid. This method of storage is possibly the best as it prevents the cheese from drying out quickly and does not create an atmosphere that accelerates the growth of mold. Should any of the semi -soft cheeses develop mold on the exterior, wipe them with a damp cloth (or strong paper napkin).
Fresh cheeses will not keep long. Though the majority of cheeses from Spain are semi soft (e.g. Manchego, Mahón, Zamorano,etc) and will keep for a couple of months if properly stored.
Serve cheese at room temperature.


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Deluxe Hillary Adult Mask
- Mask
- Flexible molded vinyl mask covers entire head
- Classic Hillary grinning face
Take hold of the reins with this Hillary mask. Sure you've held various offices, kept your husband in check, and marched up the political playing field. But you can't hold office without winning your election! Look the part with this deluxe mask. You might just be the first person to hold the title of First Lady and President of the United States!
Even if things don't work out on the political playing field, this Hillary Clinton mask will still put you at the top of your game. You'll feel quite powerful when you wear this mask, whether for a fun night out or a political play, this mask is just what you need.
Become a powerful player in the political game with this deluxe Hillary Clinton mask. This flexible molded vinyl mask covers the entire head and features Hillary's classic grin. This mask may not fool anyone, but it's still a great choice for Halloween, especially as part of a political group costume. Don't forget to pair this deluxe mask with a classy pant suit to really channel your inner Hillary.
There are no reviews for this item yet. Be the first to write a review!


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2017 Chrysler Pacifica Priced At $28,595 In The United States0
Sponsored Links
The 2017 Chrysler Pacifica minivan will start at $28,595 in the United States when it goes on sale later this year, Fiat Chrysler has announced.
The entry-level Chrysler Pacifica LX will start at $28,595, plus $995 destination and comes standard with a power drivers seat, Stow 'n Go seating, active noise cancellation, a six-speaker audio system, automatic up/down windows in the first row, electric windows in the second row, a rear backup camera, passive entry, Bluetooth and 17-inch wheels.
Going up one trim level nets you the Pacifica Touring, which bumps the price up to $30,495, plus $995 destination. The Pacifica Touring includes all the aforementioned equipment but adds standard SiriusXM satellite radio, power sliding doors, passive entry on all doors and automatic headlamps.
The mid-range Pacifica Touring L represents a good balance of equipment and price. It bumps the sticker up to $34,495 plus $995 destination, but adds key features such as leather seats, heated first row seats, remote start, three-zone climate control, projector headlamps, chrome accents, a power liftgate, rear park assist, blind spot monitoring and rear cross path detection.
The Pacifica Touring L Plus starts at $37,895, plus $995 and gets you the Touring L's equipment plus a 7-inch driver information display, heated steering wheel, power passenger seat, heated second-row seats, a 13-speaker Alpine audio system and a large 8.4-inch touchscreen.
Rounding out the lineup is the Pacifica Limited, which adds Nappa leather seating, power third row seats, ventilated front seats, 3D navigation, a Stow 'n Go integrated vacuum, HID headlamps, LED foglamps, power folding mirrors, handsfree power doors and liftgate and a a tri-pane panoramic sunroof. It will cost $42,495 plus $995 in destination.
The 2017 Chrysler Pacifica will hit U.S. showrooms this spring. The introduction of the Pacifica Hybrid will follow shortly after in the second half of 2016.


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Many of us are used to relying almost completely on paying on plastic while we're at home, but there are greater risks and expenses when using a card abroad.
Local spending habits will differ depending on your destination. Some countries (such as the USA) have a strong card culture, similar to Britain, where anything can be paid for by card, and this is usually the simplest option. Other countries, meanwhile, may rarely use plastic. If possible, check local customs before setting off, and choose how much cash to take accordingly.
As a general rule, the less Westernised a country is, the more important it is to carry cash, as it may often be difficult to pay on card or to find an ATM.
Even where ATM or card payment is readily available, dynamic currency conversion (DCC) fees can add hidden costs to your card transactions. These DCC fees charge you to convert the local currency into sterling and then charge you again to convert back to the local currency. Where prompted, always opt to pay in the local currency, rather than GDP.
Cash often works out as not only being more convenient, but also cheaper. If buying your holiday cash before you travel, you can often get a much better rate than relying on ATMs.
However, don't leave buying foreign currency until the last minute, or you could risk suffering from steep commission fees and poor exchange rates at airports or foreign bureaux de change. You are also likely to want to buy cash in advance, in order to use it immediately upon arrival. Cash is useful for immediate expenses such as taxis from the airport, as well as for smaller purchases throughout your trip.
Bear in mind that large amounts of cash might not only be inconvenient to carry around with you, but can also be a safety risk. Make sure you are able to split notes between different travellers in the group, or leave some of your cash in a secure place, such as a hotel room safe. Theft of cash is untraceable and irreplaceable, whereas a card can hopefully be cancelled before too much damage occurs.
However, using your card abroad often requires quite a bit of preparation. Before travelling, you should check what PIN systems are in place, or even whether a country only accepts signature authorisation. Some regions don't use zeros in PIN numbers or may have different length numbers, in which case changing PIN numbers should be a priority before travelling. In the case of signature only payments make sure cards are signed before jetting off.
It is also often necessary to alert your bank before travelling, as most banks' security systems pick up on any unusual spending patterns. Without this preparation, you may have several lengthy telephone calls with the bank disrupting your holiday, or even have your card suspended.
Overall, it is always best to have both payment methods available. Cards are useful to keep on you for larger expenses, or as an emergency measure, but do bear in mind that they can not be used in the same way you would at home. In particular, there is the necessity to warn your card provider beforehand. Meanwhile, the bulk of your holiday spending should probably be done in cash. This is cheaper, easier and less open to fraud than card payments.


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Show Dad He's Number One with a Personalized Photo Book
June 01, 2014 - What's the perfect gift for every kind of Dad? A handsome photo book of family memories. Now through June 5, Zenfolio is...Read the Full Post »
Your Photos Look Better Printed: Save 30% on Mpix Prints
May 18, 2014 - With prom, Mother's Day, weddings and more happening, you surely have a lot of photos on your camera and on your site. S...Read the Full Post »
Last Minute Next Day Shipping Sale
May 04, 2014 - Hey, we can't all remember every holiday. Just in case you forgot that Mother's Day is coming up, we've got you covered.Read the Full Post »
We're Declaring a New Holiday: Cyber May Day! – Get 40% off Everything
April 30, 2014 - Here at Zenfolio, we think once a year is not enough to celebrate the web's biggest savings. So, we decided to declare M...Read the Full Post »
Mother's Day is Around the Corner – Save 30% on Great Gifts
April 27, 2014 - Mother's Day is fast approaching, and Zenfolio has the gifts that are sure to make her smile. Now through April 30, save...Read the Full Post »
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April 20, 2014 - Now that spring is officially in full swing, it's the perfect time to redecorate and breathe new life into your home or...Read the Full Post »
Save 30% on custom photo books
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Three Days Only -- Save 25% on All Mpix Products
March 23, 2014 - Starting today, save 25% on all Mpix orders. It's the perfect time to order photo greeting cards for Easter, a photo boo...Read the Full Post »
Surprise your mum with a canvas wrap or box framed print – 25% off
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It's Time to Get Creative: Load up on 8x10 Prints at 50% off – 3 days only
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Expert Warns Panel of Delta's Financial Dilemma
Timothy Coleman of the Blackstone Group LP, the carrier's main financial adviser, testified on the third day of arbitration hearings that will determine whether Delta is allowed to throw out its pilots' agreement and impose pay and benefits reductions of up to $325 million.
Coleman underscored that Delta needs to...
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qThe latest medical science shows 1 in 4 children are sensitive to low levels of mold toxins. Is your child one of these? Now a qtop gunq physician a medical innovator teams up with an accomplished scientist a master builder to clearly explain how even small amounts of hidden indoor mold-produced biotoxins can subtly impact youth behavior, emotions, health and learning. In their easy-to-read prophetic book, they offer solutions based on the latest medical and scientific research that work for both bodies and buidlings...restoring quality of life to children and parentsq--Cover, p. 4.The removal of a drainage pipe clog can be tricky and usually requires a $150 service call from your AC company. ... A simple humidistat (Honeywell has one for $50-70 at Home Depot) connected to the AC thermostat will control the humidityanbsp;...
|Guide to Mold Toxins
|Gary Rosen
|Gary Rosen - 2006
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"The grant was a lifeline. It helped us get started and become self-sufficient" Mina Mawson, Youth Education Support Services based in South London, past recipient.
Deutsche Bank is proud to support the grassroots, local initiatives often overlooked by other funders via the Deutsche Bank Small Grants Fund . Many local groups provide an invaluable service within their communities, responding directly to local needs and making a significant impact with limited resources.
Through the Small Grants Fund, Deutsche Bank is able to focus its support on small charities and local organisations that share its commitment to helping young people reach their potential and improve life chances. The Fund is part of Deutsche Bank's youth engagement programme, Born to Be, which aims to break the cycle of youth unemployment through early intervention.
The Deutsche Bank Small Grants Fund has distributed over £750,000 to local groups since it began in 2006, through our partner organisations the Community Foundation for Merseyside, Foundation Scotland and the London Community Foundation . Panels of Deutsche Bank employees decide which groups to support in their local areas. This year the Fund provided 31 grants in London, Scotland and Merseyside. Three of the groups that benefitted are highlighted below:
London – Exposure
Exposure will deliver the 'The North London Apprentice': a project which offers 20 secondary school students hands-on work experience over three months. Participants will be trained to deliver business pitches, research new markets and tasked with the very real job of securing new media and communications business for the charity and selling advertising in Exposure, its quarterly youth publication.
The proposal presents a clever use of funds. By supporting young people in gaining employability skills, they also contribute to the financial sustainability of this innovative, youth-led project.
Merseyside – Liverpool ADHD Foundation
The Liverpool ADHD Foundation ensures that people suffering from Attention Deficit Hyperactive Disorder (ADHD) get the support they need to ensure a positive future.
Young people suffering from ADHD are particularly vulnerable to exclusion from school – especially GCSE students who experience acute distress with exam pressure due to the disorder's characteristics. The project will identify 32 young people at serious risk of exclusion and support them in the final two years of their secondary education to help them remain in school, achieve their potential and improve their employability, by providing support tailored to their ADHD.
Scotland – Bankie Talk
Bankie Talk prepares and delivers talking newspapers for visually impaired young people.
The grant will enable Bankie Talk to work in partnership with five local secondary schools to provide volunteering opportunities for final year pupils to edit and produce the youth magazines. The school students will gain transferrable skills; including presentation, editing and IT software skills, as well as gaining an understanding of some of the more vulnerable members of their community. This aids transition during the crucial period in which school students leave school for further education and employment.
Setting up an endowment to support local causes currently attracts 50 percent matched funding from the Government. For more information, click here .


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Guest poem sent in by pavi
(Poem #1102) On a New Year's Eve
Infinity doesn't interest me not altogether anymore I crawl and kneel and grub about I beg and listen for what can go away (as easily as love) or perish like the children running hard on oneway streets/infinity doesn't interest me not anymore not even repetition your/my/eye- lid or the colorings of sunrise or all the sky excitement added up is not enough to satisfy this lusting admiration that I feel for your brown arm before it moves MOVES CHANGES UP the temporary sacred tales ago first bikeride round the house when you first saw a squat opossum carry babies on her back opossum up in the persimmon tree you reeling toward that natural first absurdity with so much wonder still it shakes your voice the temporary is the sacred takes me out and even the stars and even the snow and even the rain do not amount to much unless these things submit to some disturbance some derangement such as when I yield myself/belonging to your unmistaken body and let the powerful lock up the canyon/mountain peaks the hidden rivers/waterfalls the deepdown minerals/the coalfields/goldfields diamond mines close by the whoring ore hot at the center of the earth spinning fast as numbers I cannot imagine let the world blot obliterate remove so- called magnificence so-called almighty/fathomless and everlasting treasures/ wealth (whatever that may be) it is this time that matters it is this history I care about the one we make together awkward inconsistent as a lame cat on the loose or quick as kids freed by the bell or else as strictly once as only life must mean a once upon a time I have rejected propaganda teaching me about the beautiful the truly rare (supposedly the soft push of the ocean at the hushpoint of the shore supposedly the soft push of the ocean at the hushpoint of the shore is beautiful for instance) but the truly rare can stay out there I have rejected that abstraction that enormity unless I see a dog walk on the beach/ a bird seize sandflies or yourself approach me laughing out a sound to spoil the pretty picture make an uncontrolled heartbeating memory instead I read the papers preaching on that oil and oxygen that redwoods and the evergreens that trees the waters and the atmosphere compile a final listing of the world in short supply but all alive and all the lives persist perpetual in jeopardy persist as scarce as every one of us as difficult to find or keep as irreplaceable as frail as every one of us and as I watch your arm/your brown arm just before it moves I know all things are dear that disappear all things are dear that disappear
I'd never heard of June Jordan until one late evening at a university cafe. An ex-student of hers pulled out a book of her verse and introduced us. I learned then that she was an award-winning poet, a flame-spirited activist and a UC Berkeley professor who taught classes and changed lives. I now know, also, that she is one of the most published African-American voices going - and one of the most remarkable. June Jordan passed away this June, after battling cancer for over a decade. I think this particular poem is very like her. Human - and beautiful. There's a courageous sort of celebration built into it. The poem sings. By turns defiant, tender, achingly wise. It exults in the lovely, the fallible. The strictly once-upon-a-timeness of life has a beautiful and unbearable quality to it. She writes it just so. There's (much) more that could be said, but I'm stopping here. Looked up the minstrels site and found June Jordan missing. This poem was an excuse to make the introduction. Pavi. ps While at Berkeley, June Jordan founded 'Poetry for the People' an enormously popular undergraduate course, below is the link to a truly inspired poem about her, written by an old student. [broken link] http://www.artistsnetwork.org/news4/news181.html There's a biography and several links at [broken link] http://voices.cla.umn.edu/authors/JuneJordan.html


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Top 15 Barrel Racer's Horses Pedigrees headed to NFR 2017
These standings are updated as of October 1st, 2017 and should be complete. However if things change once the WPRA has updated we will correct them.
Final money and rodeo count per rider is not updated pending final numbers from the WPRA.
These are a list of the horses pedigrees that helped the Top 15 qualify for the 2017 National Finals Rodeo. Horses going with them to the NFR and back up horses will be added when available.
1. Tiany Schuster and Show Mance ($250,377.56 – 93 Rodeos)
Tiany Schuster and JSYK Im Famous:
2. Stevi Hillman and Cuatro Fame, aka Truck ( $185,952.39 – 96 Rodeos)
Stevi Hillman and MCM Imasharpguy, aka Sharpie
3. Nellie Miller and Rafter W Minnie Reba, aka Sister ( $130,536.75 – 47 Rodeos)
4. Amberleigh Moore and CP Dark Moon aka Paige ( $120,806.42 – 50 Rodeos)
5. Kassie Mowry and Firewatermakemehappy ( $115,162.81 – 25 Rodeos)
Kassie Mowry and VQ Sucker Punch
6. Kathy Grimes and KG Blazin Nine Oh aka Ruby ( $111,785.38 – 45 Rodeos)
Kathy Grimes and KG Justice Weexpected aka Issy:
7. Haily Kinsel and DM Sissy Hayday aka Sister ( $98,706.87 – 68 Rodeos)
Hailey Kinsel and Thunder Stones, aka TJ:
8. Taci Bettis (R) and Bogie is a Smash aka Smash ( $97,023.14 – 70 Rodeos)
Taci Bettis and LK Sheza Hayday owned by Tammy Fisher:
9. Lisa Lockhart and An Oakie with Cash aka Louie ( $96,454.32 – 59 Rodeos)
Lisa Lockhart and Rosas Cantina CC
10. Brittany Pozzi Tonozzi and Steele Magnolias aka Steeley ( $92,929.57- 95 Rodeos)
Brittany Pozzi Tonozzi and Kisskiss Bangbana aka Mona
Brittany Pozzi Tonozzi and Fly Fame Fly:
Brittany Pozzi Tonozzi and Docs Two Eyed Dream aka Rusty:
11. Sydni Blanchard and Mr. Famous Jess ( $91,361.75 – 74 Rodeos)
Sydni Blanchard and Famous Heartbreaker:
12. Tillar Murray and Lil Gracie Dude aka Tic Tac ( $86,019.79 – 89 Rodeos)
Tillar Murray and Royal Star Commander aka Commander:
Tillar Murray and Dirty Dan Stinson:
13. Kellie Collier and Streakin Easy April, aka Lola ( $83,337.95 – 99 Rodeos)
Jig French Truckle aka Muffin:
14. Ivy Conrado and CF Tibbie Stinson, aka Tibbie ( $78,180.90 – 86 Rodeos)
Ivy Conrado and Fames to Blame aka Famey:
Ivy Conrado and KN Fabs Gift of Fame.. aka.. JLo
15. Kimmie Wall and TKW Bullys Famous Fox.. aka.. Foxy ($76,294.13 – 63 Rodeos)
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You average 50 (actually 49.93) posts a day! Your posts account for a whopping 4.57% of all posts. That's similar to when Babe Ruth used to outhomer entire teams!
How do you do it? What is you training regiment like? Do you have a special diet? Did you always know you'd be the most prolific poster in Fantasy Baseball Cafe history? Please share some of your insights with the rest of us mere mortals.


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An acute myocardial infarction or heart attack may cause chest discomfort, breathing difficulties, anxiety and other symptoms, according to Healthline. The infarction is septal when it causes an acute ventricular septal defect or rupture, notes European Heart Journal.Continue Reading
When the septum ruptures during a myocardial infarction, the patient may have no symptoms at first, reports the Cleveland Clinic Center for Continuing Education. Later symptoms may include angina or
sudden chest pain and low blood pressure. A heart attack occurs when parts of the heart cannot receive oxygenated blood and the cells die, details WebMD. This may thin and rupture the septum of the heart, according to European Heart Journal.Learn more about Conditions & Diseases


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Deluxe Adult Sith RobeProduct # RU16223
Product Includes
- Hooded Robe
Purchase Product
Product Measurements
Product Description
Now you can join the dark side with this Deluxe Adult Sith Robe! The all polyester robe is soft and comfortable on the inside and has a light texture on the outside. Also, it features big sleeves and an authentic hood so you can look just like one of the Sith. Complete your Sith costume with a lightsaber.
- 100% polyester
- Loop-pile knit fabric has nubby texture
- Oversized hood, wide hanging sleeves
- Lightsaber sold separately
- Officially licensed
Recommended Accessories
Recommended Costumes
- Super Deluxe Adult Darth Maul Costume
- Deluxe Adult Darth Maul Costume
- Anakin Skywalker Costume
- Queen Amidala Costume
- Deluxe Princess Leia Costume
- Adult Amidala One Piece Costume
- Deluxe Padme Amidala Costume
- Qui-Gon Jinn Costume
- DiscontinuedSavage Opress Kids Costume


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Clouding Your Judgement!
Objective: To be able to describe the main types of cloud and be able to estimate the extent of cloud cover.
Task 1- Diagram From Memory
Start the student made YouTube video - bottom right. Stop at 0.18 seconds on the Interactive Whiteboard. You have one minute to study the diagram carefully before it disappears. Now draw your 'Diagram from Memory' into your book.
Another 30 second peek may be permitted if you are struggling.
Task 2 - Message in a Cloud
You are going to be producing a fact sheet that details each of the main types of clouds and the associated weather conditions.
Using the information in the diagram, this weblink and video, fill in the work sheet to the right. You will need the could information sheet below to help you.
Task 3 - Measuring Cloud Cover
Meteorologists use a special scale to measure the amount of cloud cover at any one time in any one place.
Using the information on the right hand side (click to enlarge), complete the worksheet and the task below.
How does this look in an IGCSE Examination??


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We find deals from the very best ecommerce sites in South Africe, then list them together in one place, saving you time AND money.
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Philips SHP5401 Stereo Headphones
Choice of Breakfast and Beverage for Two at Simonsig
UV Varnished 24-Page A4 Portrait Softcover Photobook at BK Photobooks
4CH HD Wireless Camera System
Microlab Just Listen Bluetooth Speakers
Anti Theft Laptop Backpack With External USB Charging Port
Citizen Crystal Accented Two Tone Ladies Watch
Super Mario Japanese Yoshi Ladies T-Shirt
Bluetooth Visor Speakerphone Car kit - Black
Aircon Regas and 24-Point Vehicle Check for One or Two Vehicles from R249 at BD AUTO Repair Centre
3D Wheel Alignment from R99 for One Car with Optional Treatments at Supa Quick Randburg
Studio Photo Shoot with Canvas Prints from R249 at New Life Portraits
Invisible Tummy Trimmer
Dessini 10 Piece Die Cast Aluminium Non Stick Cookware Set
4 Piece Plain Duvet Cover Set Double Bed
3D Wheel Alignment and Optional Balancing at Tyres & More – Available at 38 Branches Nationally
HD 1080P Sports Action Camera
Nine West IT Girl
DIY Mystery Toolkit for R99 with Be Part of The Mystery
Name a Star with the Star Directory Online
30-Minute Family Photoshoot from R249 with Capture the Moments Photography
A Fun Photo Shoot Experience for up to 5 People, including Jumbo Prints for only R99 at Port Studios (Brand New Location)!
4-Day Park and Fly Services Including Car Wash at A1 Parking Services
Italian Variety (4 blends) 40 Lavazza Blue compatible coffee capsules
Nintendo Get A Life Mens T-Shirt
5 in 1 BABY DIAPER BAG
PVP Digital Gaming Console
2 x Entrance Tickets to The Chocolate Festival 2018!
Portable Folding Braai Stand Grill
Bluetooth Smart Watch i8
Android 7.1 TV Box MXQ (Ultra 2GB RAM Edition)


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Transform your photos into one-of-a-kind, hand painted masterpieces!
Treeman by Patrick McClintock - 7.880" x 8.000"
Archival Matte Paper
Rolled in a Tube
Assembly Charge
Art Print
Treeman art print by Patrick McClintock. Our prints are produced on acid-free papers using archival inks to guarantee that they last a lifetime without fading or loss of color. All art prints include a 1" white border around the image to allow for future framing and matting, if desired.
Ships Within
2 - 3 business days
Ships From
Atlanta, GA
Love this Great Work
Thought I should bring this critter to the forefront so more people could enjoy him.. love 'im..
Wow, this is really cute. Great artwork.
Love it! This put an instant smile on my face.
And I'm STILL in love with this guy... does he make house calls????
Such a cool painting-love it.
OOOOOh.. I want one of those sitting in my tree!! What a cute critter.. wonderful piece..
love this and you are wow great.
All prints ship in durable cardboard tubes.
Fine Art America is one of the largest, most-respected giclee printing companies in the world with over 40 years of experience producing museum-quality prints. All of our prints are produced on state-of-the-art, professional-grade Epson printers.
We use acid-free papers and canvases with archival inks to guarantee that your prints last a lifetime without fading or loss of color. Paper prints include a 1" white border around the image to allow for future framing and matting. Canvas prints include a 2.5" white border to allow for future stretching on stretcher bars.
Prints ship within 3 - 4 business days in durable cardboard tubes.
Average Rating (5 Stars):
Lena Smars
August 19th, 2018
Lena Smars
August 19th, 2018
George Pascual
August 19th, 2018
When I saw this image, I knew I had to have it. Since it wasn't available in apparel or greeting card format, I bought it as a poster and bought a frame so I could hang it in my room. I had to crop the white border by hand, though. Easier said than done, believe me. But the results are worth it. Rarely have I seen such a splendid combination of innocence and female beauty.
Cam Niz
August 17th, 2018
A good place to hide.
A former Disney artist, I have spent most of my life deciphering the art of technique and have developed one for personal use as well. My film credits include, Herculese, Tarzan, The Emperor's New Groove, and Mulan. Glen Villpu & Steve Huston, are just a few of the many special instructors I have studied under in the Disney studio. My current projects include Works in Watercolor., Oils and Acrylics, and my pet project, 'Composition for 2-D works'. A native born Californian, I am dedicated to raising the status of artistry through education and of course, practice, practice, practice.
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
Customer Service: 877-807-5901
(Call Any Time - 24 Hours Per Day)
All art prints ship from our production facility within 2 - 3 business days of your order.


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Lawrence was born and raised in Cardiff and is married with four
children. He joined the civil service in 1968 and had various roles
within the Welsh Office, including a secondment to Cardiff Bay
Development Corporation in the early 1990s as Assistant to the
Chief Executive. Following that appointment Lawrence headed the
Welsh Office division of sponsored arms-length bodies including the
Welsh Development Agency. He became head of the Cabinet Secretariat
and First Minister's Department in 1998 and held that post until
his retirement in 2010. Lawrence was awarded the Companion of
the Bath in 2012.
Pippa is the current Chair of Disability Sport and a former
athlete. Pippa is a member of the Sports Honours Committee; UK
Anti-Doping Board; British Paralympic Advisory Committee and the
Archery GB Board.
She has previously served on the UK International Leadership
Programme and is a member of the Sport Wales Elite Sport Sub Group
and World Archery Para Committee, following her retirement from the
sport in 2014.
Richard Parks is a former Wales international rugby union player
turned extreme environment athlete and explorer. Born in Pontypridd
and now based in Cardiff, Richard studied at Monmouth School,
Michaelhouse College South Africa and Cardiff University. He has
represented Wales, Wales 7's, The Barbarians and won the Powergen
Cup with Leeds and the Principality Cup with Pontypridd.
Aged 31, Richard was forced to retire from rugby due to a career
ending shoulder injury. The brutal blow forced Richard to reassess
his direction in life inspiring him to developed the idea of a new
world first project - the "737 Challenge". Richard Parks' 737
Challenge was a pioneering 7 month race to climb the highest
mountain on each of the world's 7 continents and stand on all 3
poles: the Geographical South Pole, Geographical North Pole and the
summit of Mt. Everest. On Tuesday 12 July 2011 Richard made history
in completing his project and becoming the first ever person to
climb the highest mountain on each of the world's 7 continents and
stand on all 3 poles within the same calendar year. Richard
completed his record setting 737 Challenge in a time of 6 months,
11 days, 7 hours and 53 minutes, raising over three hundred
thousand pounds in aid of Marie Curie Cancer Care whilst creating
an advertising value in excess of £3 million to the cancer
Passionate about sharing and giving back, Richard now works with
many schools and colleges across the UK using his experiences to
help applied learning on a wide range of topics, and is an honorary
lecturer at the University of South Wales. Richard also works with
commercial organisations delivering bespoke keynote speeches and
On 4 January 2014 Richard recorded the fastest solo, unsupported
and unassisted expedition from the Antarctic coast to the South
Pole by a Briton, and became the first Welshman to complete this
historic and brutal journey solo. His time of 29 days and 11 hours,
took 9 days from the previous British record.
Richard served as Team Attaché to Team Wales at the 2014 Glasgow
Commonwealth Games supporting the athletes, staff and corporate
partners in Wales' most successful Commonwealth team.
Ashok has a communications and media background. He is the
co-owner of a bilingual communications agency working across the
private, public and third sector.
He is also the Chair of the organising committee for the
National Eisteddfod 2018 and a member of their management
board. He has previously been involved in a Welsh for Adults
Review Group and Executive Editor of Politics at BBC Cymru
Ian is the Chief Officer for Organisational Change at Flintshire
County Council. Prior to this he was Area Relationship Director at
Knowsley MBC, Executive Director at Wigan Leisure and Culture
Trust, Principal Policy Officer at Wrexham County Borough Council
and Business and Strategy Manager for Nottingham City Council's
Leisure Services Department.
He was previously a board member for the Heritage Lottery Fund -
North West.
Julia is Deputy Dean of Learning and Teaching at Cardiff
School of Sport at Cardiff Metropolitan University (UWIC).
She was educated at Barry Grammar School for Girls and Bryn Hafren
Comprehensive School, Barry. She has a University of Wales
MSc coaching Science degree from UWIC and a Certificate of
Education teaching qualification and a B.Ed from Barry Teacher
Training College. Julia has been an Estyn independent
inspector and education consultant. She works regularly with
colleagues throughout Wales to develop Physical Education and
School Sport.
A former Wales netball international with 25 caps, Julia
played at European and World Championship level. She is a
former international coach who took the Welsh U21 and senior team
to numerous European and World Championships, and the Commonwealth
Games in Melbourne in 2006.
Jo currently works for Barclays as Director of Compliance
Corporate Bank, focussed on Barclays' international corporate
business, cash management, FX and payments (including fintech).
Based in London, her role involves working with a global team
advising on products, incidents and regulatory interactions.
Previously Jo worked for Barclaycard as Director of Compliance for
Barclaycard Business Solutions.
Born in Cardiff she attended Corpus Christi High School and then
Millfield School, where she was Captain of Netball. Jo went on to
play netball for South Glamorgan and Somerset counties, West of
England and Wales at various age groups. She also played badminton
for Wales at group level.
Jo attended Nottingham University where she obtained an LLB (Hons)
degree in English law and American law, spending a year studying at
the University of Texas in Austin. Whilst at Nottingham, she
was a member of the First VII netball team for 3 years. She
holds a Diploma in Legal Practice from Nottingham Trent Law School
and is a qualified solicitor.
Prior to joining Barclays, Jo worked as a lawyer for Clifford
Chance LLP, in London and New York, and Deutsche Bank AG, in
London. Jo lives in London and stays fit by doing hot yoga,
running and cycling.
Christian is the Technical Lead Coach to Team GB Men and Women's
4 x 100 relay team and sprint coach to GB Paralympic and Welsh
He is also a Welsh Athletics Board Member and director of his
own community sports academy. He is best known for his achievements
as a former elite athlete, competing at number of major
championships, including 4 Olympic Games.
Peter is Executive Director of British Cycling, having been
Chief Executive from February 1997 until December 2008 during which
time the organisation moved from the brink of insolvency, to being
one of the most vibrant and successful governing bodies of sport in
the UK.
Peter is qualified as a Fellow in both the Institute of
Chartered Secretaries and Administrators and the Chartered
Institute of Management Accountants. He is also a Fellow of
the Chartered Management Institute and a Global Management
Accountant. As well as being in practice as a Chartered
Secretary and Accountant, Peter manages a company which he founded
in 1978 specifically aimed at introducing high standards of
corporate governance and reliable management accounting functions
to small and medium sized businesses. He has a permanent
place on the Board of the European Regions Airline Association, and
is primarily responsible for their financial affairs.
Apart from Cycling, Peter has competed at local, regional and
national level in sports as diverse as Athletics, Table Tennis,
Football, Golf, Squash, Badminton and Cricket and he has been
involved as a volunteer official, coach or administrator in almost
all of these sports. He still competes occasionally in
cycling competitions.
Peter was a Board Member of Cycling England until its demise in
April 2011. He was appointed to the Board of England Athletics
as Chair in October 2012. He holds no other Ministerial public
Peter was made a CBE in 2008 in recognition of his services to
cycling having previously been awarded one of the sport's highest
accolades, The Bidlake Trophy, in 2007. He was inducted into
cycling's Hall of Fame in 2010.
Alison is a trustee at Chwarae Teg; a Non-Executive Director of
a retail consultancy and ille de Cocos (fashion brand). She is also
Founder of atconnect - a business and people development company.
She has previously served as trustee at Tropical Forest Trust
(sustainable forest management) and the MBA Committee (London
College of Fashion).
Her earlier career is in business, retail and people
Copies of the agenda and minutes from the latest Sport Wales
Board meetings are available to view.
For classes or accommodation at the National Centre please contact 0300 300 3123


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TreeHugger Radio: Greenland's Bounce-back, Norway's Organic Prison, and Seattle's Goats
This week, Jasmin Malik Chua looks at how Greenland's melting glaciers are causing bedrock bounce-back, and what this means for earthquakes and volcanoes on the top of the world. Stan Cox tells how the go-go housing boom left America with an extra large serving of McMansions; and how the green home alternative isn't necessarily any better. In Norway, they've got a green prison where inmates recycle and eat organic. And in Seattle, councilman Richard Conlin is about to win a fight that will let his citizens keep miniature goats, and all the sustainable perks that come along with them. Listen to TreeHugger Radio on iTunes or listen/right click to download. ::TreeHugger Radio
(TreeHugger Radio is written and produced by Jacob Gordon and hosted by Simran Sethi).


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When building or optimizing a website you have to keep in mind you need to do things so the website can be found in search engines pretty well. Therefore you have to 'obey' to the rules of Google. And since Google sends its bots around to find what site is relevant it might be a good idea to consider 'what would the Google Bot do?' when optimizing a site.
About Bas van den Beld
Bas van den Beld is an award winning Digital Marketing consultant, trainer and speaker. He is the founder of State of Digital and helps companies develop solid marketing strategies.


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Show Summary Details
Quick Reference
Of, relating to, or denoting a Lower Palaeolithic culture represented by flint implements found at Clacton-on-Sea in SE England, dated to about 250,000–200,000 years ago.
Subjects: Archaeology.
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Liver Degenerative Disease
Conditions Leading to Liver Damage
Symptoms that are indicative of reduced liver function or possible liver damage include general malaise, fatigue, digestive disturbances (eg, constipation), allergies and chemical sensitivities, weight loss, jaundice, edema, and mental confusion. Generalized pruritus (itching), nausea, and vomiting can also result from impaired liver function. Causes of liver damage are numerous and may include congenital defects (malformed or absent bile ducts), obstructed bile ducts (cholestasis), autoimmune disorders, metabolic disorders (hemochromatosis, Wilson's disease), tumors, toxins (drugs, overdoses, poisons), alcohol-related conditions (cirrhosis), bacterial and parasitic infections, and viral infections (hepatitis B and C). This section discusses several chronic disorders and diseases that can lead to degenerative liver damage without proper diagnosis and treatment.
Cholestasis is interruption or stagnation of bile flow in any part of the biliary system, beginning with the liver. Cholestasis has several causes, including obstruction of the bile ducts by the presence of gallstones or a tumor, drug and alcohol use, hepatitis, and existing liver disease (Glanze 1996). In the United States, an important cause of cholestasis and impaired liver function is the consumption of alcohol. Other common causes of cholestasis are viral hepatitis and drugs, particularly steroidal hormones (including estrogen and oral contraceptives).
Cholestasis can cause alterations of liver function tests, indicating cellular damage. In the initial stages of liver dysfunction, standard tests (serum bilirubin, alkaline phosphatase, SGOT, LDH, GGTP, etc.) may not be sensitive enough to be of value for complete, early diagnosis. However, measurement of serum bile acids is a safe, sensitive test to determine the functional capacity of the liver. Treatment for cholestasis includes surgery resulting in unobstructed bile flow from the liver. Drug-induced cholestasis will generally disappear if the causative drug is discontinued. There is no specific treatment for cholestasis caused by hepatitis. However, bile flow will improve slowly if inflammation of the liver can be resolved.
Wilson's Disease
Wilson's disease is an inherited disorder characterized by the liver's inability to metabolize copper, resulting in the accumulation of excessive amounts of copper in the brain, liver, kidney, cornea, and other tissues. The resulting copper accumulation and toxicity result in liver disease and brain damage in some patients. Although deposits of copper begin at birth, it may be some time until symptoms of liver disease become evident. Patients, generally between the ages of 10-40 years, present symptoms of liver disease, a movement disorder associated with neurological disease, behavioral abnormalities, or often a combination of these. Blood testing will reveal elevated liver enzymes. Symptoms of hepatitis and cirrhosis may be evident. Secondary injury from an accumulation of copper in the body may include kidney damage, neurological disorders, hemolytic anemia, and osteoporosis.
Copper also accumulates in other organs (particularly the brain) and may result in difficulty with speech, trembling, writing problems, unsteady gait, depression, suicidal impulses, and loss of mental functions. Other organs may also be damaged by copper overload. Copper can accumulate in the cornea of the eye and cause a characteristic brown pigmentation called Kayser-Fleischer rings. Hemolytic anemia, a low blood count related to damaged red blood cells, may occur in patients with Wilson's disease. There may also be injury to the kidneys from copper overload. Finally, severe bone disease from osteoporosis can occur in patients with Wilson's disease.
If left untreated, Wilson's disease will cause increasing damage to organs, especially in the liver and brain. D-penicillamine is a copper chelating agent administered to remove excess copper and prevent further accumulations. Trientine may also be used as a copper chelating agent. Both drugs are administered with vitamin B6 (see Life Extension's Heavy Metal Detoxification protocol for additional information on chelation). Foods high in copper content such as shellfish, nuts, chocolate, liver, and mushrooms must be avoided.
Because Wilson's disease can be effectively treated, it is extremely important for physicians to learn to recognize and diagnose the disease. Treatment options have evolved rapidly in the last few years, with zinc now being an important choice in most situations. Researchers consider zinc to be so important in the treatment of Wilson's disease that they refer to it as being "the drug of choice" (Brewer 1999).
Wilson's disease requires management by a physician. Self-treating this condition with zinc is not recommended.
Autoimmune Hepatitis
Autoimmune hepatitis is associated with an increase in circulating autoantibodies and gammaglobulin resulting in progressive inflammation of the liver. The symptoms of Type-I autoimmune hepatitis (the most common) are characterized by the presence of antinuclear antibodies and a resemblance to symptoms of systemic lupus erythematosus. The disease occurs most commonly in females during adolescence or early adulthood. Other autoimmune disorders may be present with autoimmune hepatitis including thyroiditis, ulcerative colitis, vitiligo (loss of skin pigmentation), and Sjogren's syndrome (characterized by dry mouth and eyes).
Fatigue, abdominal discomfort, aching joints, itching, jaundice, enlarged liver, and spider angiomas (blood vessels) on the skin are the most common symptoms. More severe complications of liver disease may occur as the disease progresses.
Up to 80% of patients have long-term survival with appropriate treatment. Prednisone and azathioprine are usually administered to treat immunosuppression. The treatment goal is to control rather than cure the disease.
Hepatitis B
In the United States and Europe, approximately 1.25 million people are chronically infected with the hepatitis B virus (HBV) (Malik 2000). About 5-10% of those with acute hepatitis B will develop chronic infection. The remainder will recover and develop antibodies to the virus that make them immune from further viral activity (Lammert 2000; Mayerat 1999). At least 1 million chronically infected individuals die each year of complications due to HBV-related diseases, especially liver cancer and cirrhosis. In the entire world, about 5% of the population (or 350 million people) have chronic hepatitis B (Gumina 2001).
Hepatitis B causes inflammation of the liver resulting from infection with a DNA-type virus. The infection is passed via blood products, as in transfusions or the sharing of contaminated needles. It may also be acquired by exposure to bodily fluids in addition to blood, during sexual intercourse, and in transmission from mother to fetus. About 5-10% of volunteer blood donors show evidence of having prior hepatitis B--meaning that they once had hepatitis B, and may or may not still be infected with the viral agent.
The incidence of hepatitis B is increased in dialysis patients, IV drug users, persons with AIDS, transplant recipients, and patients frequently receiving blood transfusions (eg, those with leukemia or lymphoma). When acute hepatitis occurs, symptoms include weakness, nausea, vomiting, body aches (myalgias), diarrhea, fever, joint pain (arthralgia), jaundice (yellow discoloration of the skin and whites of the eyes), loss of appetite, weight loss, loss of interest in tobacco products, and sometimes an itchy skin rash. The average duration of symptoms of acute hepatitis B is 1-3 months. During the final phase of symptoms, the body begins to build immunity against the hepatitis B infection and does become immune 90% of the time (Lammert 2000). In the other 10%, however, a state of persistent infection occurs for more than 6 months. These persons are designated as having chronic hepatitis B. A liver biopsy is done in those patients with chronic hepatitis B; about one-third have chronic active hepatitis and two-thirds have chronic persistent hepatitis. Of these two types, chronic active hepatitis is more aggressive with a more rapidly progressing course.
Two forms of therapy are now licensed for use in chronic hepatitis B infection: interferon-alpha and lamivudine (Epivir). A vaccine for hepatitis B now exists and is frequently given to newborns, oversea travelers, and other people at risk of exposure (refer to Life Extension's Hepatitis B protocol for more information and specific therapies).
Hepatitis C
Hepatitis C can be transmitted by blood and blood product transfusion. Up to 170 million persons are infected worldwide. In the United States, more than 4 million people are infected with the hepatitis C virus (HCV). Most liver transplants in the United States are a result of hepatitis C. Hepatitis C has a frightening tendency to result in chronic hepatitis, resulting in cirrhosis (15-20% of those infected) or hepatocellular carcinoma (primary liver cancer) (Ou 2002).
HCV is an RNA virus, spherical and enveloped in a lipid (fatty) outer envelope, which can be transmitted by narcotics use, transfusion of blood products, and exposure of medical personnel to infected patients. In some cases, the reason one contracts hepatitis C cannot be determined. The HCV inflicts most of its damage by latching onto molecules of iron and generating free-radical damage to liver cells. These free radicals can induce liver inflammation, cirrhosis, and primary liver cancer via oxidative attacks on liver cells.
Successful eradication of the HCV from the body often requires that iron levels in the liver and blood be at very low levels. In many cases, high stores of iron in the liver preclude successful therapy against the HCV. It is desirable to reduce iron levels in the body before initiating treatment with conventional (interferon and ribavirin) therapy. Despite substantial scientific evidence, few physicians implement iron-depletion therapy when treating hepatitis C. This partially accounts for the high failure rate to eradicate the virus.
In patients with hepatitis C, particularly those who are HIV-positive, a systemic depletion of glutathione is present, especially in the liver. This depletion may be a factor underlying resistance to interferon therapy. This finding represents a biological basis for taking supplements that boost cellular glutathione levels. Glutathione is a critical factor in protecting liver cells against free-radical damage.
Standard therapy for hepatitis C has consisted of ribavirin combined with interferon. However, a combination therapy of peginterferon alpha-2b and ribavarin is currently the standard of care (refer to Life Extension's Hepatitis C protocol for more information and specific therapies).
Hemochromatosis is a hereditary disorder in which too much iron is absorbed from the diet resulting in free-radical damage to the liver, heart, and pancreas. It is estimated that over 1 million Americans suffer from the disease. If diagnosed early, hemochromatosis can be controlled by phlebotomy (giving blood) until stored iron levels are reduced. High levels of antioxidants and herbal detoxifiers are usually recommended to neutralize free radicals generated by excess iron. Chelation therapy is an alternative treatment in which a synthetic amino acid is administered intravenously to bind and extract unwanted metals from the body. People with hemochromatosis must avoid iron-fortified foods, cast-iron cookware, and red meat. Symptoms may not appear until middle age, after multiple organ damage has occurred. Due to blood loss from menstruation and pregnancy, the disease is less prevalent in women than men (refer to Life Extension's Hemochromatosis protocol for more information and specific therapies).
Steatosis, Steatohepatitis, and Cirrhosis
Steatosis (fatty liver) is a common finding in biopsy of the human liver. Fatty liver is a condition in which fat accumulates within the liver cells (hepatocytes) without causing any specific symptoms. Fatty liver is defined as either more than 5% of cells containing fat droplets or total lipid exceeding 5% of liver weight.
Fatty liver is usually a long-standing chronic condition, occurring in association with a wide range of causes--exposure to poisonous and toxic substances, taking certain drugs, and drug abuse (injecting recreational drugs) (Glanze 1996)--although in clinical practice, the majority of cases are the result of excessive alcohol, diabetes, and obesity. Less common are occurrences of acute fatty liver during pregnancy or in response to the administration of tetracyclines, acetaminophen, prescription drugs, and toxins.
Our understanding of fatty liver has advanced considerably. At one time, fatty liver was believed to be a benign, reversible condition. However, clinical studies now demonstrate that fatty liver, whether from alcoholic or nonalcoholic origin, can lead to inflammation, cell death, fibrosis (steatohepatitis), and perhaps progress to cirrhosis. Cirrhosis is the irreversible end result of fibrous scarring, a response by the liver to a variety of long-standing inflammatory, toxic, metabolic, and congestive damage processes (refer to Life Extension's Cirrhosis and Liver Disease protocol for more information and specific therapies).
As stated earlier, in the Western world, alcohol is a common cause of fatty liver and the second most common cause of cirrhosis. However, there are considerable differences among individuals in the degree of liver damage produced by excessive alcohol intake. There seems to be no correlation between the incidence and severity of fatty liver and the amount, type, or duration of alcohol abuse. In some individuals, it is unclear why fatty liver, whatever its etiology, never progresses to steatohepatitis and cirrhosis.
Obesity is considered to be the most common cause of nonalcoholic steatohepatitis (NASH). There is evidence to suggest that liver disease can actually be considered to be a complication of obesity. However, no major prospective longitudinal studies of NASH have been carried out. Generally, it seems that the risk of progression to cirrhosis is low for non-obese individuals, but significant among obese individuals. Unfortunately, there is also no predictable correlation between symptoms, abnormality of liver function tests, and severity of liver tissue damage.
As early as 1985, a study of 50 unselected, obese subjects admitted to a hospital for weight reduction found that 10% had normal livers, 48% had fatty livers, 26% had steatohepatitis, 8% had fibrosis, and 8% had cirrhosis (Braillon 1985). Obesity was defined as being 21-130% above ideal body weight.
Among patients with fatty liver related to obesity, it has been observed that rapid weight loss caused by dieting and intestinal bypass surgery actually increased the risk for developing steatohepatitis. The resulting increase in the concentration of fatty acids and/or ketones within the liver severely augmented the generation of free radicals (Day 1994).
A study indicated that obesity also increases susceptibility to endotoxin-mediated liver injury (Yang 1997). Endotoxins are cell wall components produced by intestinal Gram-negative bacteria thought to play a role in liver injury induced by alcohol and other hepatotoxins. Under normal conditions, endotoxins are absorbed into portal venous circulation and detoxified by the liver. Hepatic dysfunction interferes with this clearing mechanism and amplifies the negative activities of endotoxin, such as lipid peroxidation, reduced P-450 function, and impairment of the immune system.
Researchers summarized the following insights on the mechanisms of steatohepatitis (Berson 1998):
- Its development requires a double hit, the first producing steatosis, the second a source of oxidative stress capable of initiating significant lipid peroxidation. This concept provides a rationale for both the treatment and prevention of disease progression in steatosis of alcoholic and non-alcoholic causes. Management strategies should ideally be directed at reducing the severity of steatosis and at avoiding and removing the triggers of inflammation and fibrosis. Specific treatment modalities for at-risk individuals might include sensible weight reduction, cessation of exposure to toxins and treatment with antioxidants and inhibitors of peroxisomal β-oxidation.
Toxic Damage to the Liver
The external environment contributes most to the load of toxins that the liver has to detoxify. Today, the burden on the liver is heavier than ever before. Additionally, nutritional deficiencies and imbalances from unhealthy eating habits add to the production of toxins, as do alcohol and many prescription drugs, further increasing stress on the liver and requiring a strong detoxification capacity. Surprisingly, even unprocessed organic foods can have naturally occurring toxic components that require an effective detoxification system.
Toxic chemicals are found in the food we eat, water we drink, and air we breathe, both outdoors and indoors. In a study by the Environmental Protection Agency (EPA), chemicals such as p-xylene, tetrachloroethylene, ethylbenzene, and benzene were documented as "everywhere present" in the air (Wallace 1989). Listed as "often present" were chloroform, carbon tetrachloride, styrene, and p-dichlorobenzene. A customary trip to a gas station or dry cleaner (as well as smoking) results in elevated levels of inhaled toxins.
The Food and Drug Administration (FDA) has found an alarming level of chlorinated pesticides in food. Dichlorodiphenyldichloroethylene (DDE) was found in 63% or more of 42 food samples, even though dichlorodiphenyltrichloroethane (DDT) and DDE have been banned in the United States since 1972. DDE is a breakdown product of DDT. Unfortunately, toxic chemicals used anywhere in the world can move easily around the globe (ie, they are carried by the wind). There is enough evidence of a connection between chemical exposure and chronic health problems for us to be aware that herbicides, pesticides, household chemicals, food additives, etc. pose serious health concerns.
When the liver's detoxification system is overloaded, the liver does not function properly; thus, toxins we are exposed to accumulate in the body. These toxins affect us in numerous ways, and have damaging effects on many bodily functions, particularly the immune system, causing chronic health problems. It is not surprising that an overburdened and undernourished liver can be a root cause of many chronic diseases.Cancers are also thought to be a result of the effects of environmental carcinogens (eg, cigarette smoke, chemical fumes, toxic exhaust, and airborne particulates), particularly if combined with deficiencies of nutrients required for optimal functioning of the detoxification and immune systems. A study of chemical plant workers in Turin, Italy analyzed the association of bladder cancer according to occupation (ie, textiles, leather, printing, dyestuffs, tire and rubber goods production). Highest risks were for the leather, dyestuffs, and tire production industries. An association was found for cancer and the aromatic amines, with the risk being estimated at 10% for those occupations consistently associated with bladder cancer. Researchers also found that there was a multiplicative effect of relative risks for persons in high-risk occupations who also smoked cigarettes (Vineis 1984).


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This section contains 264 words
(approx. 1 page at 400 words per page)
Book 3, Chapter 10 Summary
Merlin is taken down to the walls, which are collapsing again. He leads the King and priests to the old mine adit that he found long ago with Cerdic. He knows as an engineer why the walls are falling but they want magic. He knows he has to give them what they want to save himself. They find the cave entrance and go in. Nothing appears obvious as he shows them the cave. Merlin tells the King he needs to find out whets buried there. Then he has a vision.
Book 3, Chapter 10 Analysis
The mood, tone and setting are tense, dangerous and dark. Merlin uses the wiles of his character to further heighten the suspense. His character is dealing with interpersonal conflict as he tries to figure out how to save himself. The author also shows his character dealing with person-against-person...
(read more from the Book 3, Chapter 10 Summary)
This section contains 264 words
(approx. 1 page at 400 words per page)


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this is the last driver for Nokia D211 Beta 1.41
i found it is so hard to find this driver on the net especialy when you lost ur imei from D211 like me..
So if u lost ur imei or ur imei was removed from ur d211 and u went to nokia support and could not download the driver !!! i upload it here for u :-)
From Egypt
The Egyptian Samorna