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Do you dread open enrollment? Most HR and Benefits professionals do. Considering that you have to relate increases in price, cost sharing, shifting, or benefit decreases - and its no wonder HR professionals dread open enrollment!
But guess what? With today's economy, benefits are becoming increasingly important to employees, so you should expect even more questions than usual this year.
However...you may be faced with explaining increasingly complex benefits in less time this year - and often to those only open to half your message.
Learning Objectives:
This audio conference will help you to better-plan and proactively deal with this year's Open Enrollment season - and ensure your employees walk away from enrollment feeling like they have the best benefits ever!
About Your Speaker:
Natalie Ivey is President and CEO of Results Performance Consulting, Inc., a firm specializing in leadership and employee development training and continuing education programs for the HR profession.
Ms. Ivey is an author and a national public speaker with more than two decades of leadership and HR management experience with Fortune 500 organizations. She is a member of the Society for Human Resource Management and holds the Senior Professional in Human Resources certification (SPHR). Ms. Ivey is a nationally-known speaker on a variety of topics within the HR profession and is known for her "tell-it-like-it-is", direct approach to teaching HR education.
Ms. Ivey routinely works with individuals, small businesses, and larger corporations to address destructive leadership behaviors and organizational dysfunction. She designs customized training programs to help employers correct poor behaviors, minimize legal exposure, and improve performance and profitability.
HRCI Credits
This program has been approved for 1.5 re-certification credit hours for HRCI's PHR and SPHR designations through the HR Certification Institute. For more information about certification or re-certification, please visit the HR Certification Institute website at www.hrci.org. The use of this seal is not an endorsement by HRCI of the quality of the program. It means that this program has met HRCIs criteria to be pre-approved for re-certification credit.
SHRM Professional Development Credits
This program is valid for 1.5 Professional Development Credits (PDCs) for the SHRM-CP or SHRM-SCP designations. For more information about certification or re-certification, please visit www.shrmcertification.org.
Motivate Or Terminate
Internal Investigations Certificate Program
How To Conduct A Reasonable Accommodation Discussion
#MeToo For HR
Certificate Program For HR Generalists
Payroll Records: What To Keep, What To Toss
Company Ethics: How To Set The Tone As A Leader
How To Develop Peak Employee Performance
Certificate Program In FMLA &ADA Compliance
HR Certifications
Workers′ Compensation Tips: 31 Practical Tips That Strengthen Your Workers′ Comp Program - And Your Bottom Line
Dealing with Difficult People
How To Avoid Wrongful Termination Claims
FMLA Training &Certification Program
Certificate In Essentials Of Human Resource Management Seminar
OSHA Responsibilities Of The HR Professional


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- slide 1 of 13
The "Almost" Perfect Image
Have you ever snapped a photo of a neat skyline or building, only to find that you've got a stray telephone line or electrical line going through a large part of it? Frustrating as it may be, it doesn't mean that the picture is ruined. This easy to follow tutorial will show you the best way to remove telephone lines in Photoshop, and you'll have your pristine photo back in absolutely no time flat!
This tutorial was written using Adobe Photoshop CS4, but should work easily for anyone using Adobe Photoshop CS or higher. It also requires just a little bit of knowledge of Photoshop, but should be easy enough to follow for anyone who has a basic understanding of Photoshop.
- slide 3 of 13
Preserving Detail by Using the Healing Brush
Preserve as much detail as possible. For large blank areas, such as the sky in this image, you don't have to worry about airbrushing out too much detail. However, for areas with a lot of detail such as clouds, trees, and buildings, a bit more babying is required. For these areas, we have to implore the use of the Healing Brush Tool. This tool will sample a chunk of pixels when you hold down ALT and allow you to paint those exact pixels over a blemish on an area. This is a very common method of airbrushing, but should be used as sparingly as possible, as the effect can easily look very fake over large areas.
- slide 4 of 13
Identify areas of detail that need to be preserved and gently brush out the telephone line. To do this, hold down ALT and click on an area with a similar makeup to the area covered up by the telephone line. You may want to zoom in like I have to really see where you need to brush. Use small strokes paying careful mind that you are painting over the area with a portion of the already existing image - don't go too heavy handed with this trick or it looks very fake!
- slide 5 of 13
Using the Dust & Scratches Filer for Easy Airbrushing
After you airbrush all the detail heavy areas out like I have done, we're ready to move onto a little more realistic airbrushing. In this next step, we will be using a layer mask and the Dust & Scratches filter to selectively airbrush out the telephones.
- slide 6 of 13
Duplicate your image. The easiest way to do this is to click and drag the image layer in your layer panel down to the new "New Layer" button. This will automatically duplicate your layer for you. Feel free to rename your layer if you would like. Make sure you select the new, duplicated layer as your active layer.
- slide 8 of 13
In the Dust & Scratches pop-up, you will notice two different slider bars and a preview window. Leave the threshold setting at zero, but you will need to adjust the radius until you can no longer see the telephone lines. This will require a little bit of fiddling around with. The goal is to only take it as far as you need to, so you can preserve the color, lighting, and pattern as best as possible. For this image, the radius is 15 pixels - I can still see the lines at 14 pixels, so we know we haven't gone too far. Don't worry about how blurry the image looks right now. We'll fix that very soon. Once you find your ideal number, click OK.
- slide 11 of 13
Now, grabbing a thin, soft-edged paintbrush (I'm using a 13px soft edge brush here) set your foreground color to white and begin to gently brush over where the telephone lines go through your picture. See how easily it erases them? This is the effect you are going for! This works great over large areas that are relatively low in detail. You may want to zoom in again to make sure you're brushing away at just the area you need to. Continue brushing away the telephone lines until they are completely gone!
- slide 13 of 13
Image Credits
Image Credit: http://commons.wikimedia.org/wiki/File:Electric_transmission_lines.jpg
All screenshots were taken with Adobe Photoshop CS4 and are intended for educational purposes only.

subset: commoncrawl


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John Felmy's remarks at press briefing teleconference on America's natural gas infrastructure and home heating
As prepared for delivery
Press conference on America's natural gas infrastructure and home heating
John Felmy, API chief economist
Thursday, January 16, 2014
Opening statement, as prepared for delivery:
Good morning and thank you for joining our call today.
As I'm sure you know, it has been cold outside. Very cold.
Fortunately, U.S. advancements in hydraulic fracturing and horizontal drilling have unlocked vast energy reserves here in the United States. And those new supplies have significantly lowered the cost of keeping our homes and businesses warm.
Last winter, consumer natural gas prices were down to three-quarters of what they had been during winter of 2008 and 2009.
These savings are part of the extra $1,200 in disposable income that the average U.S. household enjoys, thanks to new U.S. shale production, according to a study conducted by IHS.
That's because natural gas is the primary source of heat for about half of all U.S. homes, and it generates electricity for many more. Natural gas also has fueled a dramatic drop in U.S. carbon emissions -- now near 20-year lows.
Still, abundant supplies are only part of the equation. Reliable, affordable energy requires a 21st century system of transmission lines, pipelines, and energy infrastructure. As the EIA has noted, "pipeline capacity constraints during periods of high natural gas demand can result in a distinct price separation among regional markets."
The recent cold snap provided a chilling reminder of what happens when demand approaches the limit of our current ability to bring abundant U.S. supplies to the regions that need it most.
In New York, for example, spot prices for natural gas jumped from $12.83 to $47.80 per million BTUs on January 6th, according to the EIA. In New England, spot prices jumped from $16.00 to $38.10. Electricity prices also rose. In response, the EIA issued "critical notices" about constraints on pipeline capacity for the New York and Boston markets.
Fortunately, our system is flexible, and utilities were able to meet the needs of their customers by utilizing Canadian gas and other resources. But this spike in demand demonstrated how important it is that we move quickly on infrastructure projects that often face lengthy regulatory delays.
A new study released last week by IHS shows that capital spending on oil and gas infrastructure increased by 60 percent between 2010 and 2013, thanks to America's shale energy revolution.
With the right policy choices, these investments will accelerate, providing a major boost to the economy, creating jobs, and strengthening the supply chain to consumers.
In total, IHS anticipates up to $1.15 trillion in oil and gas infrastructure investments over the next 12 years, contributing as much as $120.58 billion to U.S. GDP; supporting as many as 1.15 million jobs; and providing an additional $27.45 billion in government revenues on average, annually between 2014 and 2025.
These are private dollars – not public funds – ready to put shovels in the ground.
It's no wonder families across America support expanding America's vital energy infrastructure. A December poll by Harris Interactive revealed that 93 percent of registered voters agree that increased development of energy infrastructure would help create jobs, while 89 percent agree that infrastructure investment would strengthen America's energy security.
Public officials are taking notice too. President Obama recently announced a new Quadrennial Energy Review of transmission and distribution infrastructure.
Our message is simple: let's recognize the value of investing in our energy transportation network and work together to streamline the regulatory and permitting process, so that small delays don't potentially add up to huge costs for consumers across country.
In a moment, I'll be joined by Karen Moreau, executive director of the New York State Petroleum Council, who can elaborate further about some of the state and regional issues that have emerged as our industry works to create jobs and bring affordable natural gas to homes this winter.
But before we turn to your questions, I would like to make one last point: thanks to hydraulic fracturing, we have a new energy landscape in America. Prices have been down and supply has been up. But to bring the full benefit to consumers and accelerate job creation, we need a 21st century energy infrastructure, and that's a priority we plan to remind lawmakers about through this election and beyond.
Now, we'd be happy to take your questions.


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January Course Intensive
January Course Intensive
Each January we offer a four-week course intensive on an important topic. This year's course intensive is on Healthy Relationships. We will bring in experts in the field to work on this important topic with our teens. Furthermore we will consider how Judaism can guide us to be healthy partners for our friends, romantic relationships and family.
This class meets on Tuesday evenings, 5:30 - 7:45 PM and includes dinner. Registration will be available in October. Students enrolled in Avodah! are automatically enrolled in this intensive.


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Training Manual – A step by step instructional guide with plenty of colour images that make the set up and maintenance of recycling in your service easier than ever. Size 21cm x 29.7cm, 8 pages
Learning Experiences & General Resources – Learning experiences have been included to provide initial guidance and build educator capacity in sustainability, arguably the newest area on knowledge in education. Base knowledge and basic learning ideas are already established, all you need to do is make decisions around how that fits into your specific learning environment and learners. These are a great time saver and more importantly connect educators with base knowledge in the Education for Sustainability. Size 21cm x 29.7cm
Provocation Cards – Create conversation starters with these cards. The reverse side of each contains information to help educators acquire, consolidate and extend knowledge and understandings. Size 21cm x 14.8cm, 24 cards
JNR Big Book – These interesting and colourful readers will help your children create and construct countless methods for recycling waste. Learn how to create recycling systems at your service that are functional and fun. Size 21cm x 29.7cm, 12 pages, 1 per box
Child Readers – These Child Readers are a carbon copy of the larger format JNR Big Book. These enable children to follow along in reading groups and engage with guided and modelled reader. The clear layout and large font mean these are perfect for independent readers. Size 21cm x 14.8cm, 12 pages, 2 per box
Posters – Manage your classroom transparently, whilst simultaneously equipping staff, children and families with the knowledge they need to foster shared responsibility for your classroom environmental sustainability systems. Helper Poster, Feeding Poster and Plastics Identification Poster. 2 x Posters. Size 29.7cm x 42cm
Learning Outcomes
- Differentiate between recyclables and non recyclables.
- Understand the colour coding of different recyclable and non recyclable materials in their local Government Area (LGA).
- Explore relationships between living and non living things.
- Demonstrate an increasing knowledge and respect for the natural environment.
- Develop the ability to recognise and re use recyclable materials.
- Participate with others to solve problems around recycling.
- Be empowered to make choices and problem solve to meet their needs.
- Undertake sustainable practices in their classroom.
- Be able to share new learning with others including families and communities outside of their school environment.
Digital copies of the below will be sent prior to the box arriving.
Educator Guide – This guide makes application of the box easy. Read it and you'll understand the box layout, contents, relevance and purpose. Size 21cm x 29.7cm, 32 pages
School Readiness Resources – Want to remain responsive? As educators we know open-ended learning is best but many parents still ask for structure when it comes to literacy and numeracy. And is it any wonder when you consider the approach taken in primary schools?
Understanding this we have developed School Readiness Resources of the very best quality. Literacy resources are themed in Sustainability, are created in NSW Schools Foundation Font and the Numeracy resources contain Ten Frames, a patterns and relationships approach utilised in primary schools across Australia.
A – Z Flash Cards – Introduce and consolidate Literacy proficiency with these full colour, durable, sustainable themed flash cards. Size 10.5cm x 14.8cm, 26 cards
0 – 20 Flash Cards – Introduce and consolidate Numeracy proficiency with these full colour, durable, sustainably themed flash cards. Size 10.5cm x 14.8cm, 21 cards
A – Z Sheets – Improve fine motor skills whilst consolidating basic Literacy aptitude with these Black Line Masters. Size 21cm x 29.7cm, 28 pages
0 – 20 Sheets – Improve fine motor skills whilst consolidating basic Numeracy aptitude with these Black Line Masters. Size 21cm x 29.7cm, 28 pages


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Ride Along: Hot Boyz of Cycling – Marc Marino
Words and photos by John Watson
Marc Marino is the nicest guy ever. He's also super hot. Ladies, take note. He's got it all: tattoos, tan lines and a track bike. On a serious note, Marc's a good friend and I always enjoy spending time with him, especially at the Amgen Tour of California.
Today, I forced Marc out into the course to shoot some photos before he woofed down his lunch: a donut with almond butter smeared on the top… Check out a Ride Along interview below!
So. You race road and track, but are most known for your LOW track bike and coffee skillz. What's this bike you're on now? Where'd you come across it and why is it painted like that?
Marc: The Specialized? I got it after I broke my eBay Chinese carbon road bike. Um. Ahhh. It's all black because you can match anything to it. I drew the lightning on the top tube because I was listening to Metallica one night and I found my white paint marker pen.
That's cool, didn't you buy that frame because you want to be like Garrett Chow and he has a few Specialized bikes?
Marc: Oh, that's a question? Yes.
What's that sticker on the seat post?
Marc: Evan Murphy's puppy sticker. He told me what it means, but I don't remember. I used it to mark the seatpost height and it fits there perfectly.
Where is your #fuckingfixie?
Marc: It's at home.
Personally, I think women need to be able to look at photos of Hot Boyz on bikes – are you open to the idea of modeling in short shorts with no shirt, while draping your hot bod on carbon road frames like all the Tumblrs showcase these days?
Marc: Laughs – of course I am – I do this already, I just need people to take the pictures.
So… I take that back. Tell me about Working Class Athlete.
Marc: I like using it for more in-depth look into my day to day life and I just got a super rad film camera, so I'll start posting film photos to it because like, no one is doing that yet.
Back to track bikes. When's your next track crit?
Marc: Barcelona, I guess. No, Wolf Pack Civic and then RHC Barcelona.
Thanks Marc, go take a shower, you smell.
Marc: Laughs, maybe if I wasn't wearing my kit all day…
Follow Marc on Instagram.


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3 Makeup Looks Inspired by My Favorite Albums of 2016
Since I'm a visual person I hardly ever remember the album title but I just remember what the album art looks like.
After last week's Look Of The Week, I realized that it had been a while since I really played around with bolder shadows. I had so much fun with it that I decided to break out of my comfort zone again this week to bring you an eye look that is bright and bold using my Urban Decay Electric Pressed Pigment Palette!
After priming my eyelids I take the shade Urban (a deep, vibrant purple) and pat it on the outer and inner V of my eyes and in the crease, leaving a space in the center open.
Next, I take my fluffy blending brush and a soft warm brown shadow (I used ES13 from Morphe) and blend the purple in the crease up just a bit.
Once that's blended I add a little shimmery ivory shadow (ES4 from Morphe) to the brow bone to highlight, and then pat Fringe from the Electric palette into that blank space in the center.
With some gel liner and an angled liner brush I create a cat eye on my upper lash line and fill in my brows. After I've done this, I clean up any fallout with a makeup remover wipe and sharpen my shadow into a winged shape. I also added foundation and concealer.
With a dark blue liner, I line my lower lash line and then smudge that line out with a Q-tip and the shade Fringe.
I make sure to generously coat both my upper and lower lashes with mascara and use that ivory shadow again to highlight the inner corners of my eyes.
A soft pink blush and neutral lip finish the look off.
Here are my three favorite looks from last week:
Do you like mixing bold colors together? What are your favorite shades to combine? Let me know in the comments below or on Facebook, Instagram, and Twitter. Don't forget to #xoLOTW and tag @xovain!


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Fo`li*a"ceous (?), a. [L. foliaceus, fr. folium leaf.]
1. Bot.
Belonging to, or having the texture or nature of, a leaf; having leaves intermixed with flowers; as, a foliaceous spike.
2. Min.
Consisting of leaves or thin laminae; having the form of a leaf or plate; as, foliaceous spar.
3. Zool.
Leaflike in form or mode of growth; as, a foliaceous coral.
© Webster 1913.
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text: Show a tables indexes within a Rails console This article is over 2 years old. Proceed with caution. Regards ♨ – Minimul ActiveRecord::Base.connection.select_all('SHOW INDEX FROM transactions').map { |t| t['Key_name'] } Comment on this article? Pushed on 06/07/2013 by Christian Made with ❤ in New Hampshire 100% organic content by Minimul


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Best from Paris Hilton
Paris Hilton Is to Launch Her Next ScentParis Hilton is going to launch her next fragrance Tease six years after she unleashed her debut self-titled scent in 2004. The heiress has celebrated the landmark by channelling her idol for a glamorous advertising campaign ...
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Paris Hilton's Canned Wine BannedParis Hilton is usually very good as a business lady but this time her wine campaign flopped. She was gold sparkling like the Prosecco product she promoted on the ads but the poor sales figures ...
Paris Hilton Siren PerfumeThe heiress is replenishing her perfume empire adding the sixth scent to the collection that is called Siren by Paris Hilton. Fragrance is tropical with notes of vanilla bean and creamy musk produced through Parlux Fragrances. ...
Paris Hilton Opts For Dark ImageHaving been a blond from her 13 years she has taken an experiment with dark hair recently. While screening the new series of "My New BFF", Paris Hilton swapped her blond trademark tresses for a ...
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Eyeliner 2015: 5 New & Fresh Ways To Accentuate Your Eyes »
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Great manicure is a great accessory but this season you can relax and just choose any trendy color you like. Lots of solid manicures without a hint of fake nails were spotted in sight. But it doesn't mean that manicure junkies can't sport abstract nail art on their tips. Learn more about what's in this fall.21-08-2015 | Read Full Article
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Star Wars is kinda a big deal and the beauty industry doesn't let it slip under its radar either. Check out this Star Wars inspired makeup collection by CoverGirl.14-08-2015 | Read Full Article
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There are girls who love makeup and then there are girls who LOVE makeup. Find out if you're kinda a makeup hoarder.05-08-2015 | Read Full Article
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Skin is an amazing organ that has over 1,000 species of bacteria living on it, weighs 8-9 pounds and covers 22 square feet. It's also prone to wrinkling and tanning. Here are a few facts that will help you improve your beauty routine.27-07-2015 | Read Full Article
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How it Works
1Search the database to find a speaker
The database is searchable by last name, geographic location, expertise, and languages spoken. Read through expert profiles to find the right person for your group.
2 Contact a Scientist
Contact the speaker directly by clicking on the contact tab at the end of their profile and issuing them an invitation. They will receive an email from you and should respond directly to you within 48 hours. (If you do not hear back within that time, feel free to contact our staff for assistance.)
Once you have connected, discuss logistics such as time, location, type (service organization, faith-based, etc.) and size of group being assembled. If you have special requests of the expert, such as information on a particular aspect of climate science or climate change, be sure to let them know. And remind them that you are expecting a conversation, not a technical talk. Discuss any equipment needs if they would like to give a brief presentation to set the context for discussion at your meeting.
4Follow up
If you would like to continue or expand the discussion beyond the allotted meeting time, do not hesitate to invite the expert to return for another visit. You may also contact other Climate Voices experts in your area for additional conversations.


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This past Sunday was Mother's Day, which prompted me to reflect on how concerned I am for our mothers, wives, and daughters.
You see, I live in California and both houses in our state legislature are controlled by leftists Democrats and supported by the leftist Governor Jerry Brown. These liberal legislators are trying to get on the train of states considering "bathroom bills" to correct alleged "transsexual" discrimination. They are starting with a law to require single-use public restrooms be changed to "all gender" facilities, by identifying "trans-genders" as a third gender. Each politically correct concession reduces the privacy and respect previously devoted to our mothers, wives, and daughters.
Trending: CNN Facing Backlash Over Intimidation Stunt as Manafort Jury Goes Home 'Scared'
First, I'm concerned about the precedence this Assembly Bill (AB 1732) sets in accommodating a very small group of "transsexuals," who either have a sexual fetish or the psychological disorder known as Gender Identity Dysphoria (GID). This self-identification and expression has no scientific or biological basis and is projected to be professed by less than one-half of one percent (< 0.005) of our populace. That means only four (or less) in every 1,000 people are psychologically distressed with their biological sex at birth. Therefore, I believe this bill is statistically unnecessary and undesirable.
Secondly, the bill forces an unnecessary confrontation of adult issues upon our innocent children. AB 1732 would require all single-use restrooms "be identified as all-gender toilet facilities." Experienced, legislative analyzers say this means we will have to tear down "men," "women," "boys," and "girls" from the doors of single-user restrooms statewide and replace them with pro-transsexuality, "all-gender" signs.
This radical change will attract attention and generate questions from our children and may require parents to present this very confusing subject before its "time." Also, AB 1732 defines such a designated restroom as "a toilet facility with no more than one water closet and one urinal." This added plumbing fixture may force a new parental talking point, as well.
I'm thinking of my eight-year-old granddaughter and I believe this premature discussion could create either an unnecessary fear or even fascination in her innocent mind about this subject specifically and about sexuality in general. This, too, I feel, is unnecessary and undesirable.
Thirdly, this "social engineering" legislation has negative, practical, and legal implications. Because of its poor wording, it appears to require unknown costs to small businesses (and since there is no religious exemption, church schools, camps and churches themselves will be so required) to modify their single-use restroom(s) to accommodate these unprecedented changes and challenges. See a talking point flyer HERE that identifies the sections from AB 1732 which require new "all gender" signage as well as the apparent requirement of a urinal in each "single-user toilet facility."
Finally, I am most concerned that this unnecessary, undesirable, and pro-LGBTQ bill adds steps down the "slippery slope" of no return in our state's rejection of biblical values and our civilization's mores. I fear that while we may be able to practically accommodate the conversion of public, single-stall bathrooms for anyone's use now, it ultimately paves the way for requiring public, "gender neutral," multiple-stall restrooms, showers and changing areas (as TARGET, some schools and federally funded facilities are doing now!).
These misguided, new restroom-regulations may seek to resolve some kind of perceived discrimination, but they also deny the expectation of privacy for others, when they are most vulnerable. And, evil people (who may be heterosexual or LGBTQ) exploit these situations for perverted voyeurism, pedophilia, or even rape. Sexual predators look for opportunity. "All-sexual" restrooms, fitting rooms, and shower facilities provide it.
May God guide us all, in this "new reality." May our elected officials discern the twisted, perverted times in which we live and courageously overcome political correctness to give the women and girls in our lives the privacy, protection, and respect they deserve!


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Several approaches to phonics instruction have found support in the research (National Reading Panel, 2000). These approaches are sometimes modified or combined in reading programs.
Synthetic Phonics Instruction
Traditional phonics instruction in which students learn how to change letters or letter combinations into speech sounds, then blend them together to form known words (i.e., sounding out).
Embedded Phonics Instruction
Teaching students phonics by embedding phonics instruction in text reading, a more implicit approach that relies to some extent on incidental learning (National Reading Panel, 2000, p. 8).
Analogy-Based Phonics
A variation of onset and rime instruction that has students use their knowledge of word families to identify new words that have that same word part. For example, students learn to pronounce light by using their prior knowledge of the -ight rime from three words they already new: right, might, and night.
Analytic Phonics Instruction
A variation of the previous two approaches, students study previously learned whole words to discover letter-sound relationships. For example, Stan, steam, and story all include the st word element (st is known as a consonant blend).
Phonics Through Spelling
Students segment spoken words into phonemes and write letters that represent those sounds to create the word in print. For example, rat can be sounded out and written phonetically. This approach is often used as part of a process writing program.
© ______ 2005, Allyn & Bacon, an imprint of Pearson Education Inc. Used by permission. All rights reserved. The reproduction, duplication, or distribution of this material by any means including but not limited to email and blogs is strictly prohibited without the explicit permission of the publisher.


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Alpine bartsia (Bartsia alpina)
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|Election in Paraguay Electoral information of Paraguay.
|Elections in Paraguay Information about the election in Paraguay.
|Voter information for the Election in Paraguay - Elections Guide in Paraguay.
|Centers and material for the Election. Find Where to Vote in your city - Paraguayan.
|Paraguay Phone - Phones with the code (+595) in Paraguay - Codes PY / PRY - Phone Guide in Paraguay
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text: MMI's Employee of the Month for February is Annette Nedved, a job coach for MMI's Southern Operation Community Employment (CE) program. She is a critical puzzle piece for Southern Ops, as she is dependable and reliable. Nedved works five days per week for the crew that covers the Secretary of State office and the JC Penney in Greenville. This crew starts at 5:30 a.m. and, since Nedved provides transportation for the crew, her day begins even earlier. Nedved is a strong advocate for the people that she works with. She assists them when they need to problem solve issues that arise, not only in the work environment, but also with personal issues. She is also a community living supports coach in the afternoon a few days a week. The guardian for the ladies she supports has asked if Nedved could be cloned because she is so good at what she does. Nedved is truly an asset to MMI and its Southern Operations with all that she does to enhance the lives of those that she serves.


text:
- Wells Fargo Refinancing For Existing Customers
- 2015 Government Mortgage Help targets FHA Programs
- How to Find Cheaper Closing Costs on your Mortgage
- Obama Extends the HARP Refinance Program for 2013
- IRS Supplies Guidance on Home loan Modifications
- Indiana State Mortgage Help for Those in Danger of Foreclosure
- Mortgage Assistance Available in Oregon
- Wisconsin Mortgage Assistance Programs
- How to Write the Mortgage Hardship Letter
- CHFA EMAP Program for Homeowners
As you no doubt know a foreclosure is a lawsuit filed by your lender because you haven't paid your mortgage. In Florida foreclosures are a judicial process which is why your lender had to go to court to try to get his money back. Once your lender filed for foreclosure the sheriff or a process server gave you your copy of the Summons and Complaint forms.
Yes I know all that, what do I do now?
Lawyers – The Necessary Evil
Your first step if you are going through a foreclosure is to call a lawyer. If this is the first you hear about problems with your mortgage you probably missed a default notice on your mortgage, which might provide you with ammunition for a counterclaim. In any case you should get a lawyer to have a look at your situation. Get the best lawyer you can afford. Contact the National Association of Consumer Advocates they can recommend a foreclosure law specialist. Alternatively, if you can't afford a lawyer they can also recommend a program or charity that provides low-cost or free legal aid. Another option is to call the Florida Bar Lawyer Referral Service (1-800-342-8011) and ask for the low-cost panel. Expect personal questions on your income. If you qualify they will assign you a private lawyer which will work for a reduced fee. If you do not qualify the referral service will give you the name of a regular attorney; the first consultation will cost $25.
Forensic Audits
Talk to your lawyer and ask for advice. This is especially important if you feel your lender has not been honest with you. Foreclosure lawyers can carry out a forensic audit on your mortgage and look for any illegal methods or terms used in the mortgage agreement or in the sale process. Most audits don't show problems, but if your lawyer finds serious mistakes a judge could declare your mortgage void. Unfortunately many companies that offer foreclosure audits are scam artists preying on vulnerable borrowers. Make sure you use a trustworthy and experienced lawyer.
Reply to the Summons and Complaint
You now must reply to the Summons and Complaint form. First, read the documents carefully. They will tell you what your lender's complaint is, and instructs you on what to do next. Include in your answer a reply to any statements you think are not true or wrong. You should also explain why you think the court should not allow the foreclosure to continue. These are called "affirmative defenses". For instance you could claim the lender did not follow Florida foreclosure procedure, or refused to work with you when you were trying to avoid foreclosure.
Check the amount the lender claims you owe. If you think there is a mistake or they are claiming excessive foreclosure costs, include this in your reply. Don't forget to write your full name and contact details. You should also mention you have mailed a copy to your lender's attorney. Make sure you do send a copy to the mortgage company's lawyer. You should find the contact details in the Summons and Complaint documents.
Finally, make several copies of your answer and take the original to Clerk's office. Filing your answer is free. Ask the clerk to give you a stamped copy for your own records.
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text:
Kamloops Home For Sale: 889 Fernie Road, South Kamloops, BC $589,800. South Kamloops West End home with spectacular view is a one of a kind custom home.
This two storey home features 2 bedrooms on the main floor which includes the master bedroom with 3pc ensuite. The main floor also features a large great room open floor plan with a vaulted ceiling and floor to ceiling windows, a 2 piece powder room and a large foyer. There is a large kitchen with lots of cupboard space as well as a nice sized den that would be a great dining room or office.
The second level has a large bedroom with a patio, a 5pc bathroom and a large open loft area great for a play room or work space.
The basement level features a spacious rec room, a 3pc bathroom, laundry room, lots of storage and a workshop. There is a separate entry from the outside to the basement making it potential for a suite.
There is a large private yard that has a lot of potential for a shop and a pool. Updates include furnace, central a/c, stucco and hardi plank siding, reclaimed brick, windows and more.
Click here to view more pictures of this home.
South Kamloops is home to numerous amenities. Coopers, London Drugs, Visions Electronics, Coast Capital Savings, CIBC, Scotia Bank, TD Canada Trust, HSBC, numerous insurance agencies and professional offices are all close by.Lansdowne Villagehouses a number of the larger retailers in South Kamloops.
There are also a variety of small and medium retailers, numerous restaurants, and fast food establishments. Victoria Street is the main street where many clothing boutiques, bridal stores and specialty stores are found. South Kamloops is home to the Royal Inland Hospital, the only hospital servicing the Kamloops region. RIH is a short two minute drive from this home.
Shopping areas in Sahali, Southgate and Aberdeen are within a five to ten minute drive of this home. Many of the big box stores are located in these areas.
Riverside Park and Interior Savings Centre are both located on Lorne Street in South Kamloops. Riverside park is a large park on the river with a water park, a sandy beach area, large open green space for summer activities, washroom facilities and picnic areas. Riverside park also has a stage where numerous performances and events occur during the warmer months.
Interior Savings Centre is home to the Kamloops Blazers Junior Hockey team. Many performances and concerts also occur at this large facility.
South Kamloops Secondary is also the home to theSagebrush Theatre, a 706 seat proscenium theatre is located on 9th Avenue in South Kamloops (south of Columbia Street).
TheKamloops YMCA/YWCAis located on 4th Avenue and Battle Street in the Downtown core. The facility offers an indoor pool, sauna, hot tub, exercise facilities and many fitness classes.
Peterson Creek Parkruns through most of Sahali and part of South Kamloops. This is a 423 hectare park that is a natural creek corridor. There are over 30 kilometers of trails in the park and many sites to enjoy including panoramic valley views and Bridal Veil Falls. There are numerous access points and the park is equipped with picnic tables and grassy areas to enjoy. Peterson Creek is located a short drive away or about a 10 to 15 minute walk.
South Kamloops is serviced by BC Transit busses on a frequent and regular schedule. The main bus loop is located on Lansdowne Street at 7th Avenue.
To view all homes for sale in Kamloops click here.


text:
Perennials are favorites of gardeners due to their ability to return year after year as larger, more mature plants. Some varieties will die down to the ground each year while others will remain evergreen. Versatile and relatively easy to grow, perennials add color, texture and interest to the landscape.
Perennials give you the opportunity for continuous color Spring to Fall if you select plants with staged blooming cycles. Many Perennial varieties invite guests to your garden, such as hummingbirds, butterflies and birds!
If you are looking for the most unique and exclusive Perennials on the market, please be sure to check out our Platinum Perennial Collection. Each variety is hand selected for the stellar attributes it brings to the market and of course to the garden!


text:
June 14, 2013 12:00 ET
- Win brings team one step closer to the grand prize, which includes $125,000 towards the refurbishment of a soccer field in Nanaimo
NANAIMO, BRITISH COLUMBIA--(Marketwired - June 14, 2013) - BMO invites members of the media and the community of Nanaimo to the BMO Bank of Montreal Terminal Park branch on Friday, June 14th to celebrate the Harbour City FC "Team France" U8 boys' selection as BMO Team of the Week.
The recognition gives the team a chance to vie for the title of 2013 BMO Team of the Week Champion and win $125,000 from BMO to be used for a soccer field refurbishment in Nanaimo.
The 2013 BMO Team of the Week Champion will be chosen by Canadians, who will vote between August 5-19 online at BMOsoccer.com to decide which team they feel most exemplified the spirit of the award by exhibiting team pride, team spirit, community commitment and passion for the game.
At the celebration on Friday, BMO will present Harbour City FC with BMO Team of the Week tracksuits and a $500 prize, as well as a $500 donation from BMO, on behalf of the team, to Kids Help Phone, the team's chosen charity. The community celebration will also serve as a rallying point for fans, residents, family and friends to create some buzz for "Team France."
About BMO Team of the Week
BMO Team of the Week is Canada's premier grassroots sport celebration, engaging a nation and inspiring communities by recognizing youth soccer teams who demonstrate team pride, team spirit, community commitment and passion for the game. From April 17 to July 24, fifteen weekly winners will be named BMO Team of the Week, and entered for a chance to be voted by Canadians as BMO Team of the Week 2013 Champion. The grand prize includes a $125,000 refurbishment of their community soccer field and a road trip to a Toronto FC, Vancouver Whitecaps FC, Montreal Impact FC, or Canadian National Team home game. Former BMO Team of the Week Champions include Glen Shields Sun Devils 2000 (2011) and Ladner Storm (2012).
For media inquiries or to confirm attendance:Krysta Cooke(416) firstname.lastname@example.com O'Connor(778) firstname.lastname@example.com: www.bmosoccer.comTwitter: @BMOmedia or @BMOsoccer
See all RSS Newsfeeds


text:
Despite a directive from a leader of the Great Salt Lake Council of the Boy Scouts of America (BSA), prohibiting scouts from advocating political or social positions, some scouts and adult supporters of Scouts for Equality wore their uniforms Sunday as they marched in Utah's gay pride parade.
The Utah Pride Parade in Salt Lake City came just a little more than a week after national delegates of the BSA approved allowing gay youth to become scouts.
NBC News reports that Kenji Mikesell, an 18 year-old Eagle Scout and high school senior still active with his troop, said of his decision to wear his uniform in the parade, "It just feels like the right thing to do."
"It's kind of a way of saying we want you here," Mikesell added. He marched with Mormons Building Bridges and his troop is chartered by The Church of Jesus Christ of Latter-day Saints.
"Scouting has been a very positive influence in my life," Mikesell said, "and I'd like to see more people take advantage of it now that the ban has been lifted."
Peter Brownstein, a scoutmaster in Salt Lake City who helped organize the Boy Scouts in the gay pride parade, said some adults and youth marched at the front of the parade in uniform, including a Cub Scout, a Boy Scout and his stepdad, an Eagle Scout, who borrowed a uniform to wear, and an assistant scoutmaster.
Nevertheless, Rick Barnes, chief scout executive with the Great Salt Lake Council, said he learned of the plans for the parade from Brownstein.
"We as a Scouting movement do not advocate any social or political position, so I reminded Mr. Brownstein that we do not wear uniforms at an event like this," said Barnes. "We do not, as Boy Scouts, show support for any social or political position. We're neutral. If he wants to attend the parade and others do that are Scouts or Scouters, they're welcome to do so as private citizens wearing whatever they want except their uniform."
Barnes added, "That's our official position. It always has been, there's nothing new here. We just don't want people to use the Boy Scouts to advocate their positions."
Organizing under the banner of Scouts for Equality, a group that campaigns for the LGBT community to be welcomed into scouting, Brownstein began to plan for the gay pride parade after last week's historic vote prior to receiving Barnes' directive.
"I am asking everyone to wear their Scout uniforms," said Brownstein, whose son recently earned the Eagle rank- BSA's highest honor. "The message we want to send is that Scouting should be open to everyone and it's a wonderful program and everyone deserves to be included and have the benefits of the program."
After receiving the notice from Barnes, however, Brownstein said, "Our current plan is to, out of respect for Rick as an individual, we will follow his request and I will not march in uniform. Others may choose differently."
Following the directive, Scouts for Equality issued a statement requesting that their supporters not wear uniforms.
Brownstein opted to wear a T-shirt that carried the message of inclusive scouting, with a rainbow square knot on it.
Deron Smith, a spokesman for the national headquarters of BSA, said that it was the decision of the local council to determine any punishment for not abiding by the directive.
"These individuals stated a personal opinion and do not represent scouting," said Smith. "Scouting teaches young people that often in life one finds rules they don't agree with, but a Scout is to be obedient. To simply disobey a rule because you disagree with it is not an example to set for youth. It is up to each council to determine how best to hold their leaders to the standards of Scouting. We will support the Great Salt Lake Area Council as they determine the appropriate response."
Mikesell said he wasn't concerned about any consequences.
"We're just trying to demonstrate that Scouts can be a part of all parts of society, all parts of life," Brownstein said. "While I am not wearing my uniform, other people will be. And this is not about me, this is about getting the message out to America [of] inclusiveness in Scouting, the need for equality."
Following the parade, Brownstein stated, "It felt awesome to proudly represent an organization that is making progress towards change and acceptance…and slowly making progress on opening their organization to many more people who can benefit from the wonderful program."
"And the progress forward will continue," he added.


text:
Krell Amplifier
We Will Meet Or Beat Any Advertised Price.
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history is rich with
breakthrough Class A
amplifiers that have
helped build the Krell
of offering the best
sounding amplifiers
available. Audiophiles
have always considered
Class A technology to
the best sounding
operating state for
amplifiers. However,
despite Class A's
unrivaled sound
quality, it has
fallen out of fashion
because of recent
demands to reduce power
consumption and heat in
home electronics
Krell engineering took
this challenge and
redefined the meaning
of high performance
power amplifier. Our
goal -
unmatched performance,
elegant design, and a
compelling array of
features. The
breakthrough - a patent
circuit delivering
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heat and wasted energy
of conventional
designs, housed
in a striking new form
factor, with network
connectivity for
advanced access and
monitoring. The sound
is open and
unconstrained, in a
manner that rivals live
performance and the
true sound of voices
and instruments. Music
dialogue are reproduced
with a richness,
detail, and startling
dynamics that fill a
stated, Class A designs
are the most musically
accurate circuit
topology available.
Class A
amplifiers do not
suffer from the
inherent distortions
that all Class AB
amplifiers experience.
In a traditional
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output transistors
conduct full current at
all times regardless of
the actual demand from
speakers. Often, only a
fraction of this power
is needed to reproduce
an audio signal at
normal listening
The rest of the power
is dissipated through
the amplifiers heat
sinks, producing large
amounts of wasted heat.
With Krell's iBias
technology, bias is
dynamically adjusted,
so the output
transistors receive
exactly as much
power - but only as
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iBias Class A
technology allows our
latest amplifiers to
run in full Class A
mode to full power
while minimizing heat
generation. Previous
efforts at
using a "tracking"
bias, while effective,
only measured the
incoming signal and set
bias levels from this
information. Our new
patent pending iBias
significantly elevates
the effectiveness of
previous designs
by calculating bias
from the output stage.
This seemingly small
change in topology
results in a dramatic
improvement in sound
quality, especially
midrange richness and
The core
of the
technology is an
innovative, patent
pending design for a
dynamic intelligent
bias circuit. Our iBias
Class A
circuit directly
measures the output
current of the
amplifier and adjusts
the bias to the optimum
level. Because
iBias Class A measures
the output current, the
real time demands of
the specific speaker
connected to the amp
directly incorporated
into the circuit
function. In addition,
iBias Class A even
reduces the bias when
the signal
is at very low levels,
making its operation
undetectable by ear and
even by standard
amplifier measurements.
sliding bias schemes,
the circuit merely
estimates how much bias
is needed based on the
signal and an "assumed
speaker load." Compared
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technology has always
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Depending on the model,
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mounted to an
individual heat sink.
This design shortens
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even better and more
traditional Class A
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A amps
have a compact design
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mounting, making them
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This convenient form
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controlled ventilation
fans. The fans used are
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ideal internal
temperature. They run
only during periods of
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- so they are inaudible
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45 Ethernet
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Network connectivity
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configuration options
include display
brightness and timeout.
For energy
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programmed to power off
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channels can be muted
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be initiated from the
web server.
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Internet access, the
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Excessive current,
output DC, fan speeds,
short circuit, and
overheating are all
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If an
issue occurs, the fault
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front panel and
reported on the web
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Emails will
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email addresses to
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and/or the dealer of
The new
iBias circuitry is
built on a
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technologies. All
signal gain is realized
in the current domain
using proprietary
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mirrors with
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linearity. Each
amplifier channel uses
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components. There are
no generic integrated
circuits or op amps
used anywhere. Gain is
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stages, allowing each
to have a large linear
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signal voltages are
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the amplifier input,
and the audio signal
remains in the current
domain throughout the
entire amplifier.
mirrors in the final
gain stages use a new
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operates at a 73%
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delivers almost 10%
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With this
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Normally used in
demanding, high-
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and very low
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path is fully
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balanced from input to
output. Independent
complementary pre
driver and driver
stages for the positive
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transistors make the
output stages
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linear. This unique
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to low-impedance or
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any loudspeaker with
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achieving the very best
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amplifiers use coupling
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Krell amplifiers are
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This design gives the
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coupling capacitors not
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Thus, the iBias Class A
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iBias Class A
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the iBias circuit
crossover distortion,
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Simply put, the music
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iBias amplifier is
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The iBias
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Reviews of the Krell Duo-300 300 Watt Amplifier Featuring Krell iBias Technology:


text: Robert Lee Smith, 65, 4766 Pleasant Valley Court, Orlando, died Monday. Born in Fitzgerald, Ga., she moved to Orlando from there in 1941. She was a homemaker and a Baptist. Survivors: daughters, Mrs. Shirley Davis, Mrs. Annie Ruth Ellis, Jacqueline, all of Orlando; four grandchildren; eight great- grandchildren. Mitchell's Funeral Home, Orlando.


text:
Popular Now
Popular Now
Popular Now
Popular Now
01803 865913
+44 1803 865913
By: John Thornley and Charlie Parkes
224 pages, Line illus, tabs
The completely revised and updated edition deals with the law and liabilities relating to deer in the UK. In addition one chapter deals with Europe in terms of visitors to and from the continent. Deer have value as a conservation resource and as a traditional sporting quarry. However, they have increased in numbers, and as a consequence the need for deer management has greatly increased. Management issues increasingly focus on the legal implications of the welfare of deer, public safety and maintaining a balance between economic activities and environmental conservation. This is all covered in 'Deer: Law and Liabilities'.
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text:
Geneva Motor Show: Aston Martin Vantage
A raft of improvements have been confirmed for the updated V8 Vantage presented by Aston Martin at Geneva.
The seven-year old design has been fettled with a bodykit from the Vanquish, including a lower front bumper and added splitter, larger air intake and a rear diffuser.
The 4.7-litre V8 pushing 420bhp remains unchanged, though an optional seven-speed SportShift II gearbox has now replaced the six-speed box, offering quicker and smoother changes to enhance acceleration. 0-62mph takes just 4.2 seconds with a top speed of 190mph to boot.
Wider tyres, bigger brakes and a quicker steering rack will help to make the new Aston corner and stop better than the previous model, while hill start has also been added.
Prices will start at £84,995.
For all the new releases from Geneva, check out our motor show page.


text:
I have determined that my JSON, coming from the server, is valid (making the ajax call manually), but I would really like to use JQuery. I have also determined that the "post" url, being sent to the server, is correct, using firebug. However, the error callback is still being triggered (parsererror). I also tried datatype: text.
Are there other options that I should include?
$(function() {
$("#submit").bind("click", function() {
type: "post",
url: "http://myServer/cgi-bin/broker" ,
datatype: "json",
data: {'start' : start,'end' : end},
error: function(request,error){
success: function(request) {
}); // End ajax
}); // End bind
}); // End eventlistener


text:
Premier Listings
The Latest Exclusive Listings Delivered to You
Step by Step Real Estate Guidance
We're here to help you through the home market, whether you are looking to buy or sell.
Ready To Buy?
Put our expertise to work today - find affordable homes that are right for you.
Ready To Sell?
We can help you get the most out of your property - let our team lead the way.
After our experience with the Zoch's we know they are truly TRUSTWORTHY, OUTSTANDING AGENTS who delivered in every way we could have asked. If you are thinking of selling, we highly recommend this incredible husband and wife team, they deserve high praise for A JOB WELL DONE and to the highest standard!
-Sara Hodge


text:
Every year a team of dedicated, brave and passionate people get on their bicycles and ride the Momentum 947 Cycle Challenge. They ride to see future generations raised up and invested in. They ride to add value to their city. They ride to see CHANGE in our community by raising money for Botshabelo. They are TRUE HEROES. They are the Purple Peloton!!
Now the #PurplePeloton is BACK and ready to take on the Momentum 947 Cycle Challenge again in 2015 and… YOU can BE one of these heroes!
So who is Botshabelo? In a nutshell, Botshabelo is one of the ways in which Urban Life extends generous justice to our community. This is achieved through the Babies Home as well as two Early Childhood Education programs. As a church we stand together to support Botshabelo and their work because we can see justice restored to our community.
Visit Botshabelo's website to find out more!
Here's How you can be a #PurplePeloton hero too:
1. RIDE the Momentum 947 Cycle Challenge for a purpose, ride for Botshabelo!
Riding for a purpose will get you:
- A better start time in the race.
- It will mean that the aches and pains are 100% worth it, because you can know you've made a true difference.
To join our team, REGISTER NOW AT www.cyclechallenge.co.za and let us know you've registered by sending an email to firstname.lastname@example.com. That's it! Easy peasy…
We will add you to our charity bond which will secure you that EARLY START time.
If you need more details, feel free to get in touch with our Team Leader Michelle.(firstname.lastname@example.com)
You will ride in our fantastic Purple Peloton cycling kit, and can join in our monthly training rides and spinathon if you'd like.
Let's see which site can raise the most money and recruit the most riders shall we?!
Each rider pledges to raise R3 000 for Botshabelo. Don't be scared off by this though, it comes in easier than you think!
2. SUPPORT the Purple Peloton
You can support our Purple Peloton by SPONSORING a rider, or the team. Each rider has to raise R3 000 for Botshabelo and you can help them reach this target by sponsoring them. Really any amount you choose. Perhaps, you can get your company involved and have them sponsor our team… All donations (individual and corporate) will receive tax receipts and BEE Certificates. There may also be media coverage opportunities for the corporate sponsors.
If you'd like to sponsor a rider, email our Team Leader, Michelle (email@example.com) and let her know you'd like to sponsor and she will help you out with the details. Alternatively, you can simply make a donation toward the team, using the bank details below and we'll receive the sponsorship. (If you'd like tax receipts, contact us on email@example.com) Or you can check out our Back a Buddy page, and pick a rider to support.
You can also support our team on RACE DAY…at our SUPPORTER ZONE and on SOCIAL MEDIA (using the hashtag #PurplePeloton). We will send out more details regarding this, so watch this space!
So whether you're going to RIDE or SUPPORT or BOTH, we hope you'll join our #PurplePeloton and enjoy our great city through cycling! Most importantly, we'll be raising awareness and funds for Botshabelo to continue our work as we invest in the future generation of South Africa.
Contact us if you'd like any more details.
Botshabelo Bank Details:
Standard Bank
Branch Code: 012 645
Account Name: Botshabelo
Account Number: 20 245 2832
Reference: your name + 947


text:
Tomasi turns P&G into a sleep giant
Dave Tomasi
Vicks North America marketing director
Marketing dir., global, Vicks, PUR Water Filtration, P&G
2006 –2009
Assoc. marketing dir., Costco Customer Team, P&G
1997 –2006
Asst. brand manager, Pampers & Luvs, Kroger Customer Team, Dawn/Joy/Ivory
Dave Tomasi has spent his entire 16-year career at Procter & Gamble, during which his market assignments have spanned products from diapers to dish liquid. But a few years into what was then his latest role—global marketing director for the century-old Vicks franchise—P&G decided to diversify its product line yet again by launching an OTC sleep aid.
Tomasi had soldiered into new territory before. A 1991 graduate of the military academy at West Point, he had entered the US Army as a field artillery officer. Six years later, he exited with the rank of captain—picking up an MBA along the way—and entered the corporate world.
How did the army groom him for his job? "My experience in the military probably benefits me the most in leading an organization," Tomasi says. He treats each team member as an "owner" of their area of responsibility. "By empowering them and encouraging them to always bring [their] ideas forward, that unlocks the potential of the total business."
The way the marketing vet approached the OTC sleep sector is itself worthy of study. "In our research, we discovered [OTC sleep] was a half-a-billion-dollar category…but for several years prior to our interest, the category hadn't grown," says Tomasi. "We also thought it was a category that if we found the right solution, we could enter and re-establish growth."
About 25% of consumers suffer from occasional sleeplessness. The research found that "the majority of [OTC sleep aids] also contained a pain reliever," Tomasi says. "A lot of consumers we met…were just looking for a sleep product." P&G felt it had the right equity with Vicks Nyquil, which has long stood for "'best sleep with a cold.'"
Its entrant, ZzzQuil, is similar to Nyquil in name only. Its active ingredient, diphenhydramine HCl, is a first-generation antihistamine that's FDA-approved as a non-prescription sleep aid. Other single-ingredient, non-Rx sleep aids are also built on the diphenhydramine platform—Chattem's Unisom, J&J's Tylenol Simply Sleep, Omega's Nytol and Prestige's Sominex.
But by the third month after ZzzQuil entered the market last July, it had achieved the top share position, says Tomasi, and in its first year on the market, the branded OTC sleep category grew from $500 million to $650 million, with the majority of that growth attributable to ZzzQuil. "Before we launched, ZzzQuil household penetration was about 15%," reports Tomasi. "Currently, household penetration is 17%. So we have definitely reached new consumers."
P&G's edge was to make the category approachable. There was a funny DTC campaign—"sleep is a beautiful thing"—showing people as they snooze in TV commercials, magazine ads and Sunday newspaper inserts. (Publicis Kaplan Thaler is lead agency.)
The National Sleep Foundation, a partner, helped with consumer education. And, thanks to involvement with retail partners, consumers saw an extension of the advertising in displays and at-shelf.
In January, P&G launched the brand into social media. Its Facebook page had 165,000 friends after three months, the Twitter feed 6,500 followers. Year two will feature ads with actress, mom and sufferer of occasional sleeplessness Katherine Heigl.
"We wanted to take what's working and amplify it to reach more consumers with an even more relevant message that would break through the clutter," says Tomasi.
Tomasi grew up outside New York City in the town of Carlstadt, NJ. He says his older brother, also a West Point grad, inspired his military turn.His biggest challenge going forward? "We know there are consumers we still need to reach with our message, and we know we have retail partners who believe that there is continued category growth still yet to happen."


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The Oboz Women's Sawtooth Low Shoe is a breathable hiking shoe for reliable grip on dirt, rock, roots and more. Geared towards the thru-hiker, the outsole provides just the right amount of traction on everything from mud to dry dirt to rock with lugs that move up the sidewall for increased grip on the trails that seem like you're walking sideways. The upper is constructed from a combination of nubuck leather and textile, for incredible durability and breathability for those hot mid-summer hikes on the AT and even on the trails of your own backyard. The lows allow you to drop some weight without losing the protection you need on more technical trails.
So sorry, but only 4 items are allowed for comparison, so we're comparing the first 4. I blame the gnomes and so should you.
Would you like to compare the products you have selected now?


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IHTM: I Tried a Skincare Product That Jacked Up My Skin Barrier So Here's How I Handled It
I basically called my mom for help. Except when I say mom, I mean an esthetician.
I'm gonna say something that might shock you. Are you sitting down? OK, here goes: not all beauty products smell good. Some of them actually smell pretty weird, like these four.
So why am I writing about weird-smelling products, you ask? Shh, this isn't a dialogue. I'm getting there, gosh!
Make no mistake--I love these products. Each one is so well-formulated and effective that I have no choice but to put up with their olfactory weirdness; no looking (or sniffing) for a better-scented alternative, no settling for inferior dupes. It's a small price to pay for product excellence, after all. And, hey, they don't necessarily smell bad to everyone. You might actually enjoy them.
Elizabeth Arden Eight Hour Cream
A classic for a reason (our lovely Hannah is a fan!), you've likely heard of this makeup artist fave already. Rumor has it that Arden (her actual name was Florence Nightingale Graham) whipped up the first version as a healing ointment for her prized racehorses, which probably explains why she wasn't overly concerned with the application experience. One might charitably call the scent "medicinal." One might less charitably call it "motor oil mixed with cut grass and flavored with bug spray." But gosh darn if this stuff doesn't heal chapped lips like nothing else--including similar favorites like Vaseline, Paw Paw Ointment, and Nipple Balm. You can slather it on dry cuticles or elbows, rashes or cuts, anything dry, peeling, or burned. I've even used it over moisturizer to seal in hydration overnight. I keep one tube within arm's reach of my bed for nighttime lip dryness (ugh, the worst), and one tube in my purse for all other emollient emergencies. There is an unscented version, but I'm afraid it won't work as well as the original. And besides, I'm used to that gasoline/mowed lawn smell by now. I've decided it builds character.
Caudalie Beauty Elixir
I'm a face spray addict. I have permanently parched skin and an inexplicable penchant for testing the limits of what my purse can carry, so I've used 'em all. Thus far nothing has come close to the complexion-brightening glow and instant hydration relief I get from this little glass bottle. (Grab the travel size, which is portable and far less wallet-bruising.) It's also great for setting makeup and quickly combatting any overenthusiastic powder mishaps. This French skin care brand draws inspiration--and ingredients--from antioxidant-rich grapes, so you'd think a nice whiff of vino would make sense, but no such luck. It's sort of herbal-scented; reminds me of a health food store. God, I hate health food store smell.
Eve Lom Cleanser
I definitely feel like some people would be into the scent of this cleanser, and it's admittedly difficult to put my finger on what exactly turns me off about it. It's a rich aroma, almost spicy? Let's see, it's got chamomile, eucalyptus, hops, and clove oils—AH, there we go. Chamomile and clove. Yup. Sleepy time tea mixed with pretentious art student. Despite that, and despite the fact that it looks a little like flu-season snot, it's an unbelievably good cleanser. I mean, Vogue pronounced it "possibly the best cleanser in the world."
Every time I treat my face to this cleansing balm, my skin feels soft, supple, and hydrated. Usually I feel the need to moisturize immediately after I wash my face, but this little beauty actually buys me some dawdling time. It may seem prohibitively expensive, but you only need the teensiest amount for your whole face. My 3.3 ounces has lasted over six months, which I think works out to a pretty reasonable spend.
Clarins Beauty Flash Balm
I've been having torrid love affairs with a few Clarins standouts for years, but one of my die-hards is their Beauty Flash Balm. I mean, what a fantastic name, right? Is it a superhero? Is it some kind of laser in a tube? WTF does it do? I'll tell you, friend: it makes you GORGEOUS.
The only drawback is the decidedly old-lady fragrance. I've been sitting here huffing this tube for much longer than I'd care to admit (the things I do for beauty writing!), and that's the only way I can think to describe the scent: old lady, albeit a very chic and classy one. It's sort of powdery yet spicy. Clarins says you can use it as a mask, but I wouldn't recommend that: this is another pricey product and wiping it off after 15 minutes isn't exactly frugal. However, it does shine as a primer (Lisa Eldridge explains how in this tutorial) and/or highlighter. Tap a tiny bit onto cheekbones for instant dewiness, or smooth a thin layer onto décolletage to mimic a slightly sweaty post-sex glow.
Your turn. What crazy-awesome products do you hate smelling? I can't be the only weirdo who just grimaces and bears it.


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Legal Status
Document Details
Published Document
Fish and Wildlife Service, Interior.
Notice of document availability.
The U.S. Fish and Wildlife Service (Service) announces the availability of the approved recovery plan for the Lake Erie water snake (Nerodia sipedon insularum). This species is federally listed as threatened under the Endangered Species Act of 1973 (Act), as amended (16 U.S.C. 1531 et seq.), on the offshore islands and in the waters of the western Lake Erie basin of Ohio. Actions needed for recovery of the Lake Erie water snake include monitoring the population, protecting and managing habitat on both public and private land, administering public outreach to address intentional and accidental human-induced mortality, and collecting important ecological data on the snake and its habitat.
This recovery plan is available from the following addresses:
1. Fish and Wildlife Reference Service, 5430 Grosvenor Lane, Suite 110, Bethesda, Maryland 20814 (the fee for the plan varies depending on the number of pages).
2. Field Supervisor, U.S. Fish and Wildlife Service, Reynoldsburg Ecological Services Field Office, 6950 Americana Parkway, Suite H, Reynoldsburg, Ohio 43068-4127.
3. The World Wide Web at: http://endangered.fws.gov/recovery/index.html#plansStart Further Info
Ms. Megan Seymour, Reynoldsburg Ecological Services Field Office, (see ADDRESSES section No. 2 above), telephone (614) 469-6923 ext.16. The Fish and Wildlife Reference Service may be reached at (301) 492-6403 or (800) 582-3421. TTY users may contact Ms. Seymour and the Fish and Wildlife Reference Service through the Federal Relay Service at (800) 877-8339.End Further Info End Preamble Start Supplemental Information
Recovery of endangered or threatened animals or plants is a primary goal of the Service's endangered species program. A species is considered recovered when threats to the species are removed so that populations of the species are self-sustaining. Recovery plans describe actions considered necessary for the conservation of the species, establish criteria for delisting species, and provide estimates of the time and cost for implementing the measures needed for recovery.
The Act requires the development of recovery plans for listed species unless such a plan would not promote the conservation of a particular species. Section 4(f) of the Act, as amended in 1988, requires that public notice and the opportunity for public review and comment be provided during recovery plan development. Information presented during the comment period has been considered in the preparation of the approved recovery plan and is summarized in an appendix to the recovery plan. We will forward substantive comments regarding recovery plan implementation to appropriate Federal agencies and other entities so that they can take these comments into account during the course of implementing recovery actions.
Lake Erie water snakes on the offshore islands and surrounding waters of Lake Erie were listed as threatened on August 30, 1999, under the Act. Water snakes found on the near-shore Ohio islands and Ohio mainland are not protected by the threatened designation due to the likelihood that these snakes represent intergrades between the Lake Erie water snake and northern water snake. The Lake Erie water snake spends summers basking on the rocky shorelines of the limestone and dolomite islands in the western Lake Erie basin. Hibernation habitat for the snake is comprised of areas inland from the shore that typically have soil and rock substrates and consist of natural openings or fissures. Human-made structures such as crib docks and erosion control protection can provide suitable summer habitat, whereas old building foundations and drainage tiles may provide suitable hibernation habitat. The primary threats to the snake include both accidental and intentional human-induced mortality and loss of suitable summer and hibernation habitat through development. There are nine U.S. islands and seven Canadian islands that currently provide year-round habitat for the snake, whereas two U.S. islands only provide summer habitat. The Lake Erie water snake has been extirpated from one U.S. island and two Canadian islands.
Recovery will be achieved and the species removed from the list of Threatened and Endangered Wildlife (50 CFR part 17) when the following criteria are met: (1) A minimum of 5,555 adult snakes exist on 9 U. S. islands combined for 6 or more consecutive years, including at least 900 snakes on Kelleys Island, 850 snakes on South Bass Island, 620 snakes on Middle Bass Island, and 410 snakes on North Bass Island, with the remaining snakes occurring on any of the islands; (2) a total of 7.4 km of shoreline habitat and 51 hectares of hibernation habitat distributed proportionately among the 4 largest U. S. islands are protected in perpetuity by a written agreement approved by the Service; and (3) an objective analysis of public attitude indicates that human persecution is no longer a threat to the continued existence of the snake, and accidental human-induced mortality no longer poses a significant threat to the population.Start Signature
Dated: August 28, 2003.
Charles M. Wooley,
Assistant Regional Director, Ecological Services, Region 3, Fort Snelling, Minnesota.
[FR Doc. 03-24281 Filed 9-24-03; 8:45 am]


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Information for Distance Students
Distance Students Taking an Online Class
Students who are enrolled in online classes including undergraduate and graduate have full access to the following:
- All online library resources including eBooks and articles.
- Interlibrary loan so that they may request articles and eBooks.
- Librarian assistance via email, chat, or phone.
Additionally, students that live in the San Luis Valley can come in and register for a library card, which will give them full access to the print collection.
For print books, students outside the San Luis Valley should use their local library for obtaining what they need. We do mail print books to distance students on a case-by-case basis. Please contact email@example.com if you require this service.
Distance Students Taking a Print Correspondence Course
Students who are enrolled exclusively in print-based correspondence courses have access to library resources, but should first seek assistance from their prison library before sending requests to Adams State.
If the prison library cannot fulfill a request, students may contact a Librarian at ASU Nielsen Library in writing, by calling 719-587-7879, or by email at firstname.lastname@example.com. In your request you should include:
- your full name
- ASU Student I.D. number (900 number)
- the course(s) for which you require assistance.
Requests must also include:
- a topic
- thesis statement if applicable
- several key terms that describe your research
Requests may take between two and ten weeks to process depending on the time of year and the number of other research requests pending.
To contact the ASU Nielsen Library in writing, please address your letter as follows:
Distance Education & Extended Studies Library Services
Adams State University - Nielsen Library
208 Edgemont Blvd. Ste. 4010
Alamosa, CO 81101