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Duplicate records harm your patients' experiences
The annual HIMSS conference is typically a flurry of new product announcements, which in turn leads to a lot of excitement about how technology will push healthcare to be more collaborative, cooperative and – hopefully – affordable.
One of the biggest splashes of this year was Apple's announcement of a new Personal Health Record (PHR) — called Apple Health Records — which would allow users to aggregate their existing patient-generated data in the Health app with the data from their physicians' EHRs, if those EHRs exist in a participating health system. This is an exciting step forward to giving patients control of their data, and most importantly may help proactive patients to improve their health by giving them easier visibility into their medical records.
Related Content: Verato Auto-Steward is a quick and easy way to turbocharge the matching capabilities of your existing master patient index (MPI)
Apple's announcement is a prime example of the value of health record portability. Consumers, especially as they are collectively becoming more tech-savvy – are beginning to expect such portability. Interestingly, a recent Black Book market survey surfaced an important insight: whenever there are barriers to health record portability, patients blame their doctor– not the technology. As patients increasingly pay more for care, they are also shopping more for services, and their satisfaction will certainly affect healthcare organizations' bottom lines.
While some of that blame may be well placed on physicians, the technology enabling portability of health records has not kept up with the industry's desires. One of the foundational issues behind health record exchange is when technology is unable to answer a most basic question: are we talking about the same patient?
Problems with patient matching – or being able to accurately answer that "same patient?" question – underlie many of the more visible portability issues a patient may see from their physician such as receiving incomplete medical records or going into registration and having an office unable to find their medical record at all.
Related Content: Verato Auto-Steward is a quick and easy way to turbocharge the matching capabilities of your existing master patient index (MPI)
Conventional patient matching approaches rely on demographic data that often changes, leaving records full of incorrect or out-of-date information. Name changes, address changes, phone number or email address updates all contribute to this problem, yet most of us will experience them. And these data errors compound with more data sources, compounding even more as technology platforms work to integrate data such as an EHR and a PHR.
The simple fact is that no matter how expensive your EHR is, no matter what size your patient population is, no matter how clean your data is, and no matter how diligent your registration staff is, your EHR is riddled with duplicate records. In fact, according to that same recent Black Book survey, the average duplicate rate across healthcare organizations is 18%.
The Apple PHR and other PHR applications like them are exposed to those issues lurking in healthcare organizations' duplicate rates. They will need to urge healthcare organizations to solve their internal patient matching problems or Apple will fail to be as successful as promised for at least 18% of their users.
The good news in this otherwise bleak post is that Verato has built a solution to this challenge. It's called Verato Auto-Steward™, and it leverages a powerful new approach to patient matching called "Referential Matching" to make matches no conventional technology can ever make.
Related Content: Verato Auto-Steward is a quick and easy way to turbocharge the matching capabilities of your existing master patient index (MPI)
Rather than comparing the demographic data from two records to make a match, Verato Auto-Steward compares the data from those records to Verato's comprehensive and continuously-updated reference database. This database contains over 300 million identities spanning the entire U.S. population, and each identity contains a complete demographic data profile — including nicknames, aliases, maiden names, common typos, past phone numbers, and old addresses. This database is essentially an "answer key" for demographic data, and Verato references this answer key during the matching process to make matches that conventional patient matching technologies can never make.
Healthcare organizations and the vendors that are promising to aide those organizations should all address their internal patient matching problems, and the quickest and easiest way would be to plug their existing platform into Verato Auto-Steward.


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Apprentice Recruitment
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Underpinned by extensive research, our relevant and valid assessments allow you to place the best candidates in the right roles.
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subset: commoncrawl


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SANTA ANA, Calif. --A suspected tagger got into a scuffle with school police in Santa Ana after being caught in the act on Monday night.Officers confronted the tagger and two other people spray painting a wall in the 1400 block of Joane Way near Carr Intermediate School and Valley High School at about 9:40 p.m.
One of the officers confronted the suspect and a fight broke out. Both were treated at the scene for minor injuries.
Police arrested the suspected tagger.


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A recent Belleville News-Democrat article discussed a seminar called, "Poverty — Impact of Institutionalized Racism," taught by Jack Kirkland, associate professor at Washington University. He said, because of less equal opportunity, "You can't help yourself or your extended generation."
This statement is patently false and, worse, a tragic disservice to the students who heard it. Opportunity and circumstances will never be equal, but all people have the power within themselves to improve their lives.
Edward Nowak


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Call Us Today for Your FREE Roof Inspection and Evaluation!
By having us physically inspect your roof, you can have the peace-of-mind knowing that your roof is okay and in good condition. If your roof is not in good condition, then we can explore your different options. We can begin the process of meeting with your insurance adjuster, then installing a new roof.
A new roof as you know, immediately adds to the value of your home and in many cases, your homeowner's insurance premium decreases. We use a high quality, 30 year composite shingle at the same price as a 3-tab shingle, with a high wind rating.
Please fill out the form below and a representative from our company will get right back to you, or you can always call our office at (303)776-6646.


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[adjective, noun pur-fikt; verb per-fekt]
- conforming absolutely to the description or definition of an ideal type: a perfect sphere; a perfect gentleman.
- excellent or complete beyond practical or theoretical improvement: There is no perfect legal code. The proportions of this temple are almost perfect.
- exactly fitting the need in a certain situation or for a certain purpose: a perfect actor to play Mr. Micawber; a perfect saw for cutting out keyholes.
- entirely without any flaws, defects, or shortcomings: a perfect apple; the perfect crime.
- accurate, exact, or correct in every detail: a perfect copy.
- thorough; complete; utter: perfect strangers.
- pure or unmixed: perfect yellow.
- unqualified; absolute: He has perfect control over his followers.
- expert; accomplished; proficient: She will need a perfect driving teacher.
- unmitigated; out-and-out; of an extreme degree: He made a perfect fool of himself.
- Botany.
- having all parts or members present.
- monoclinous.
- Grammar.
- noting an action or state brought to a close prior to some temporal point of reference, in contrast to imperfect or incomplete action.
- designating a tense or other verb formation or construction with such meaning.
- Music.
- applied to the consonances of unison, octave, and fifth, as distinguished from those of the third and sixth, which are called imperfect.
- applied to the intervals, harmonic or melodic, of an octave, fifth, and fourth in their normal form, as opposed to augmented and diminished.
- Mathematics. (of a set) equal to its set of accumulation points.
- Obsolete. assured or certain.
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- the perfect tense.
- a verb form or construction in the perfect tense.Compare future perfect, pluperfect, present perfect.
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- to bring to completion; finish.
- to bring to perfection; make flawless or faultless: He has succeeded in perfecting his recipe for chicken Kiev.
- to bring nearer to perfection; improve; make better: She works hard to perfect her writing.
- to make fully skilled.
- Printing. to print the reverse of (a printed sheet).
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Origin of perfect
SynonymsSee more synonyms for perfect on Thesaurus.com
4. unblemished; faultless.
Synonym study
1, 2. See complete.
Usage note
A few usage guides still object to the use of comparison words such as more, most, nearly, almost, and rather with perfect on the grounds that perfect describes an absolute, yes-or-no condition that cannot logically be said to exist in varying degrees. The English language has never agreed to this limitation. Since its earliest use in the 13th century, perfect has, like almost all adjectives, been compared, first in the now obsolete forms perfecter and perfectest, and more recently with more, most, and similar comparison words: the most perfect arrangement of color and line imaginable. Perfect is compared in most of its general senses in all varieties of speech and writing. After all, one of the objectives of the writers of the U.S. Constitution was "to form a more perfect union." See also complete, unique.
Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2018
Examples from the Web for perfect
Contemporary Examples
Estee Lauder has not crumbled to dust because the perfect brown face of Joan Smalls represents it.One Vogue Cover Doesn't Solve Fashion's Big Race Problem
Danielle Belton
January 2, 2015
The Perfect Storm writer talks combat brotherhood and the threat posed by growing wealth inequality.Sebastian Junger on War, Loss, and a Divided America
The Daily Beast Video
January 1, 2015
So perfect that we wonder if we should risk ruining it by asking for yet another take.'The Comeback' Finale: Give Lisa Kudrow All of the Awards
Kevin Fallon
December 29, 2014
The Oscar-winning actress put nude photo thieves in their place with one perfect statement.Jennifer Lawrence's Righteous Fury Says Everything We Wanted to Say
Kevin O'Keeffe
December 29, 2014
It was also the most shocking revelation of 2014: Beyoncé Knowles is not perfect.Butts, Brawls, and Bill Cosby: The Biggest Celebrity Scandals of 2014
Kevin Fallon
December 27, 2014
Historical Examples
For more than an hour, there was perfect stillness, as the shades of evening deepened.
Pericles had not visited his son since his return to perfect consciousness.
His senses breathed the air of her perfect and compelling femininity.
Thoroughbred is the word for her, style and action, as the horse people say, perfect.
No one who listened to her could doubt her perfect truthfulness and integrity.Harriet, The Moses of Her People
Sarah H. Bradford
- having all essential elements
- unblemished; faultlessa perfect gemstone
- correct or preciseperfect timing
- utter or absolutea perfect stranger
- excellent in all respectsa perfect day
- maths exactly divisible into equal integral or polynomial roots36 is a perfect square
- botany
- (of flowers) having functional stamens and pistils
- (of plants) having all parts present
- grammar denoting a tense of verbs used in describing an action that has been completed by the subject. In English this is a compound tense, formed with have or has plus the past participle
- music
- of or relating to the intervals of the unison, fourth, fifth, and octave
- Also: full, final(of a cadence) ending on the tonic chord, giving a feeling of conclusionCompare imperfect (def. 6)
- archaic positive certain, or assured
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- grammar
- the perfect tense
- a verb in this tense
Show More
- to make perfect; improve to one's satisfactionhe is in Paris to perfect his French
- to make fully accomplished
- printing to print the reverse side of (a printed sheet of paper)
Show More
Word Origin
C13: from Latin perfectus, from perficere to perform, from per through + facere to do
For most of its meanings, the adjective perfect describes an absolute state, i.e. one that cannot be qualified; thus something is either perfect or not perfect, and cannot be more perfect or less perfect. However when perfect means excellent in all respects, a comparative can be used with it without absurdity: the next day the weather was even more perfect
Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012
Word Origin and History for perfect
early 15c. alteration of Middle English parfit (c.1300), from Old French parfit "finished, completed, ready" (11c.), from Latin perfectus "completed, excellent, accomplished, exquisite," past participle of perficere "accomplish, finish, complete," from per- "completely" (see per) + facere "to perform" (see factitious). Often used in English as an intensive (perfect stranger, etc.).
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"to bring to full development," late 14c., parfiten, from perfect (adj.). Related: Perfected; perfecting.
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Online Etymology Dictionary, © 2010 Douglas Harper


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I was very surprised by your editorial supporting Proposition P. You argue that since Occidental has already gotten permission from the city and has spent a lot of time and money on the project, it should automatically be allowed to drill even if--as you admit--it would be wiser not to put oil wells near our precious beaches.
I don't really care what kinds of things Occidental has done to get to this point. The fact is, our state Constitution is carefully designed to see that the public interest is protected. A corporation with huge amounts of profits at stake may not like it if voters decide to change their minds. There are a lot of things that we used to allow before we knew better. For example, we no longer allow chemical companies to dump toxic wastes or industries to spew smoky poisons into our air. We know better now.
When a policy adopted by the government doesn't make sense, citizens must take over the process and protect ourselves.


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Yu's Karate School
i took my kids here and now my grand kids they really enjoy it the staff are very well trained and the place is always clean the parking is ...
Yu's Karate School is located at 555 Washington St, Burlington, NJ. This business specializes in Health Clubs.
Since 2001 the company has been providing Martial Arts School, Nec.


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* * *
PayPal: Donate in USD
PayPal: Donate in EUR
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The man who trades freedom for security does not deserve nor will he ever receive either. – Benjamin Franklin
Trying to work out the logic behind the systematic destruction of proper jobs in the western world is frustrating.
Made even more so when details such as this enter the fold.
The only projectable conclusion is one world government as laid out in "Brave New World" & "1984".


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Lauren Yurick is the Nevada-based founder of Benefit Resource Group, a company that offers creative and comprehensive administration of tax-free employee benefits. Born and raised in Philadelphia, Lauren earned a college degree in Hotel/Restaurant Management from Johnson and Wales University in 1988. She briefly moved to Los Angeles before settling down in Reno, Nevada, where she worked for a variety of smaller insurance agencies and got invaluable experience in sales. After switching gears and taking on a consultant role at a large managed care company, she decided to become an independent broker. For the next six years she advised a diverse group of clients from Nevada and beyond, honing her own skills as she provided solutions to all kinds of employers.
Lauren grew up in a family founded on entrepreneurship. Her grandfather immigrated to the United States at 12 years old and eventually created his own sign company, Bright Sign Co., in Philadelphia. Lauren's father and uncle continue the business to this day, and she has always been inspired to make her own way and be responsible for her own success. She raised their two children with that same work ethic; her son is now a real estate agent and her daughter recently graduated college with honors.
After six years of entrepreneurship, Lauren decided to officially fill the gap in the management industry by creating Benefit Resource Group. The company's focus on compliance, customization, and meeting clients' needs quickly made it a standout in the industry. It is now part of United Benefit Advisors (UBA), one of the largest employee benefits advisory organizations in the United States. Between her role at Benefit Resource Group and her participation in local advisory committees, Lauren always focuses on helping people, from providing health insurance options to encouraging corporate wellness.
In her home life, Lauren is also passionate about helping rescue dogs. She currently has two border collie-pit bull mixes and one chihuahua-miniature pinscher mix. Lauren and her family aim to change people's negative perceptions of pit bulls in the wake of bad press about them. She believes that they are misunderstood due to overpopulation and their upbringing, and that pit bulls really just want love. Lauren was initially inspired by Jim Gorant's book The Lost Dogs: Michael Vick's Dogs and Their Tale of Rescue and Redemption, which she refers to as "life-changing" in her perception of pit bulls.
Lauren has a number of outdoor hobbies. She loves to golf and go hiking, particularly in the beautiful Sierra Nevada Mountains, and she frequently travels with her family. She feels a particularly strong connection to Salerno, Italy because she has family roots there, and she tries to visit the area every two years. In addition to Salerno, Lauren's favorite travel spots include Italy in general, Vienna, Austria and Madrid, Spain. Her next travel goal is Ireland, where the other half of her family's lineage stems.


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Meridian HotelBack
Information about hotel:
Meridian Hotel is situated in Termez, 1 kilometer away from the city center, 2 kilometers away from train station and 7 kilometers away from the airport. Near the hotel is situated a bus station that offers rides to different cities; bazaar. 9 kilometers from the city there is a border with Afghanistan.
Building of this four star hotel was planned in 2003 in cooperation with German company Nemus GmbH. In 2005 building was finished and the hotel was ready to accommodate its first guests.
The hotel has the following facilities: well-equipped fitness center, fitness bar, sauna, indoor pool, free massage, barber shop banquet hall and conference call. Banquet hall can accommodate maximum 200 guests. Conference hall is equipped with everything for conferences and can accommodate maximum 30 people.
On the first floor of the hotel there is a special room for breakfast and lobby bar that can accommodate up to 40 people;
On the second floor there is a welcome bar (for 30 people) and the restaurant (for 170 people);
On the 6th floor there is a bar that is works seasonally and can accommodate up to 180 people.


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Thank you everyone!
102 followers!! I know its a minor number, but for someone who rarely posts content, I am really grateful to have over 100 followers of this blog and over 3,500 views. So to everybody who follows, have recently followed and who have like my facebook page and have shown an interest in what I do … Continue reading
Each thing in its time, in its place
Another one for today…
oil and acrylic on paper 8 x 10 inches
By emptiness abducted
By emptiness abducted, oil and acrylic on canvas, 2013
Left us space here
Another day another empty scene… Another Cork City street (Winthrop Street if you're interested).
Still Day Beneath the Sun
Still Day Beneath the Sun, oil and acrylic on canvas, 2013 This is another image from Cork City – somewhere around Dunbar Street. Its about 10 x 10 inches, I think. I've yet to measure it properly.
Where light is scarce and faded
In a passageway where light is scarce and faded, oil and acrylic on canvas, 2013
Eyes Wide Shut EP cover
I was recently asked to design a cover for Irish-based band Darken the Distance's new EP, Eyes Wide Shut. Darken The Distance are an Irish five piece alternative band-Their lineup of striking vocal, two guitars, piano/keys, bass, drums/percussion and harmonies gives a huge yet intimate sound. I don't usually do figurative works – but based on my … Continue reading
Smaller works
I've been doing some 8 x 10 inch works on paper recently and decided to go a bit smaller (6.25 x 9 inch). These are more or less studies for larger paintings but I think the better some of of them may turn out I might frame them. Who knows?
Time forgotten
Time Forgotten, oil and acrylic on canvas, 2013


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Moving and shifting is a tedious and hectic activity it involves many jobs simultaneously. when is changing locally he then can take the help of friends and colleagues to move the goods but keeping and lifting goods is risk one can get injuries while moving and shifting the products. So you definitely hire packers and Movers Company so as to have a hassle free and safe relocation. If you are moving in Pune or even outside the location to another then you must hire packers and movers Pune as they provide hassle free shifting at best and affordable prices. The company has trained and skilled employees that work in team for providing you a simple and safe moving.
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The online store for BMX Union features original t-shirt designs by artists we are stoked on. The goal of this store is to use the money generated to pay more artists for designs, to hire more filmers, photographers and writers for content on the site and, most importantly, reduce the number of ads seen on the website! (We think they are annoying, too!)
If you're stoked on what we do on BMX Union, pick up a t-shirt or even just let your friends know about us! Anything helps to support us so we can keep creating dialed content and supporting riders!
If you have any questions, please feel free to contact email@example.com!
PLEASE NOTE: Shipping can take up to 3 days because our shirts are being printed as the orders come in!
Thank you! Your support means more than you would imagine!
- Kurt Hohberger


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All our tours are only ever led by the D-Day author and academically trained historian Stuart Robertson.
Born and raised in the North of England, Stuart is a former employee of the British Ministry of Defence and is the Grandson of H.A. 'Jock' Brownbridge; a WW2 veteran who fought in France, North Africa, Sicily and Italy. During the Italian campaign, in July 1944, 'Jock' earned a Mention in Despatches for valour as he, although wounded, evacuated a colonel to safety whilst under fire. Stuart's paternal family includes Colonel Donald Robertson who commanded the 7th Battalion of the Seaforth Highlanders before being killed at Mont Pincon in Normandy on the 6th August 1944. Although Stuart grew up listening to war stories which are a huge part of his own family history, having first visited the battlefields in 1989 as a 13 year old, it is the subsequent experience of meeting and touring the battlefields with hundreds of Normandy veterans which inspired him to tell their story on his tours and within his books.
There are a huge number of guides who offer tours of the D-Day beaches, many of whom in self-proclaiming themselves as historians would have you believe that their credentials are far greater than what they actually are. Of all the D-Day guides with English as a first language, only Stuart is both a history graduate and has been published on the subject of D-Day. Holding degrees from both Manchester Metropolitan University (CertHE History) and the University of Leeds (BA Hons History), in May 2016, Stuart was elected to the membership of The Royal Historical Society. Continued academic study means that Stuart will soon complete a post graduate degree in Second World War Studies - a qualification which he hopes will lead to a doctorate in history through the completion of a PhD. Whilst being a bonafide historian isn't everything when it comes to being a D-Day guide, Stuart possesses not only the rarity of the academic background, but also a naturally engaging personality born from a true passion and enthusiasm for the subject; something which is so often commented upon by those who tour with him.
Stuart's expertise has led to him being acknowledged within the works of many fellow historians. In 2013, Stuart was commissioned to write the historical script for the 'D-Day Box' audio guide - an innovative and ground-breaking project as endorsed by the Normandy Office of Tourism and the WW2 Foundation of America. In 2014, Stuart became published in his own right as the lead author of the greatly acclaimed 'Following in the Footsteps of Heroes' - all royalties from which were donated to D-Day related charities. A second book 'The D-Day Beaches' followed in 2015, whilst Stuart's third book entitled 'Command and Valour' has just been completed and is scheduled for publication in early 2019.
As well as being one of just two first choice Normandy guides for Rick Steves' tours in Europe, Stuart frequently acts as a historical consultant for the world's media. Stuart has provided consultation to, and has carried out research work for national and international journals such as Newsweek Magazine, USA Today, The Daily Mail, The Independent and Britain at War magazine. He has appeared alongside James Holland and Antony Beevor on the BBC and has worked for ITV (UK), ABC (with Charlie Gibson), CNN (with Michael Smerconish) and Fox News (The Mike Huckabee Show). Over the last decade Stuart has been approached by many documentary makers. However, Stuart chooses very carefully which projects he works on and will only ever put his name to projects which he feels have the priority of historical integrity rather than the generation of commercial revenue.
Over the last decade Stuart has guided hundreds of tours for thousands of visitors to the region. From young families to history professors from some of the world's best universities, Stuart's skills have also been called upon by past and present military personnel, from Army recruits going through basic training to Three Star Generals, security services from across the globe, currently serving and retired politicians from government delegations to presidential candidates, staff from the White House and the Pentagon, along with a multitude of other military and civilian groups all of whom have travelled from all over the world to tour the Normandy battlefields specifically with Stuart.
Stuart's reputation for ensuring the integrity of history alongside his passion for the presentation has placed him amongst the foremost historians specialising in the Battle for Normandy. With fifteen years experience working as a full time guide in Normandy, Stuart offers the flexibility only an independent guide can provide in fulfilling an unforgettable and unrivalled experience for visitors to the region. Of all his activities working alongside the World's premier universities, professional historians and the media, Stuart is most proud of his association and friendships with those Normandy Veterans who made the World a better place during those dark days.
It is to the veterans whom we dedicate our tours in the hope that their struggle will never be forgotten.
Stuart with Buck Compton of HBO's miniseries 'Band of Brothers'. Being a central character in such a successful TV production, reluctantly Buck became a Hollywood star. A modest man and a true hero, Buck died in February 2012.
Stuart with Bob Murphy (505 PIR Pathfinder). As the first American veteran Stuart met, Bob became a great friend, a D-Day veteran who passed away in October 2008 he is sadly missed by all who knew him.
Stuart with Pat Thomas (Royal Navy). Pat's ship was sunk in late June 1944. Pat lost not just his ship but also his best friend. His heartbreaking story is told in 'No Roses on a Sailor's Grave' - a documentary Stuart is working on due for release in 2019.
Stuart with Don Malarkey from HBO's Band of Brothers. A hero of the battle for Brecourt Manor, it was a privilege for Stuart to walk the D-Day battlefields with such a man. Sadly, Don passed away on the 30th September 2017.
Stuart pictured with Antony Beevor - author of this century's best selling book on D-Day. Stuart and Antony were both guests of the BBC during broadcasts transmitted over the 70th anniversary of D-Day in 2014.
Stuart with first wave Omaha Beach veteran Hal Baumgarten (pictured June 6th 2006), sadly Harold passed away on December 25th 2016. The anniversary of D-Day at Omaha Beach will never be the same without him.
Stuart with Len Smith who landed on Juno Beach on D-Day. Len, who landed in support of the first wave of the Juno Beach assault, was one of nine brothers who all served during the war.
Stuart with Number 4 Commando Veteran Pat Churchill. Pat was the radioman for Captain Keiffer of the Free French forces, 177 of which landed on Sword Beach on D-Day.
Stuart pictured after a lecture given by Dr Simon Trew - Head of History at Sandhurst. Simon is one of the World's foremost historians on D-Day.
Stuart on Sword Beach with first wave veteran John Roberts and HMS Swift Veteran Harry Card. In 2007, Stuart and his wife Jenny had the privilege of having Harry and John stay with them as their guests at 1 Le Port.
Stuart with 82nd Airborne Veteran Bill Sullivan. 'Sully' remains one of the last in the line of the many characters from the 82nd Airborne who Stuart has met over the years at the famous Stop Bar in Ste Mere Eglise.
Stuart with 90th Inf Div D-Day Veteran Milton Staley. Aged 98, Milton revisited Normandy for the 73rd anniversary of D-Day in June, 2017.
Stuart with 101st Airborne Division Veteran Robert Wright who received the silver star for treating the wounded in a makeshift field hospital established in the church at Angoville au Plain.
Stuart with Pat Turner who took part in the very first action on D-Day at Pegasus Bridge. Here Stuart is welcoming Pat back to Pegasus Bridge on the occasion of Pat's very first visit to the bridge since 1944. Sadly Pat passed away in 2017.
Stuart (pictured in 2005 during his very first 'veteran's tour') with Harry Card (HMS Swift) and George Batts (former National Secretary of the Normandy Veterans Association).
Stuart with the BBC broadcast crew and 100 year old D-Day Veteran Bill Price. Bill was one of the veterans interviewed live from Arromanches in the morning of June 6th 2014 as Stuart was the main guest on the BBC Five Live Breakfast Show.
Contact us to book a tour!


text: How can I pay for my EcoVadis subscription? Boris Abramovic August 17, 2018 06:52 Updated You can pay directly on the EcoVadis platform: we strongly recommend a credit card payment, as it will ensure a rapid access to your results. It is also possible to pay by Credit Card, Bank transfer or Check upon invoice reception. Payment instructions: Credit CardYou have the possibility to pay outstanding invoices by credit card at any moment from your EcoVadis account. You can select one of our 2 secured online payment platforms: Paypal or Alipay (China leading solution). 1. Connect to your platform: https://www.ecovadis-survey.com/supplierportal/default.aspx2. Click on the link 'Payment' available on the menu. You will have an overview of the current situation and you will be able to select Paypal or Alipay. Each platform will enable you to make a Credit Card payment.Paypal: You don't need to have a Paypal account to pay by Credit Card. NB. Please note Paypal might apply some restrictions to this rule in specific countries (eg: China, Russia), in which case you will be asked to create an account on the Paypal interface.Alipay: Alipay is China's leading third-party online payment solution (Chinese interface). Bank transferYou can make your payment by Bank transfer on our EUR (€) or our USD ($) bank account. Euro bank account details : Bank name Beneficiary's name Account number SWIFT code IBAN (International Bank Account Number) Societe Generale EcoVadis SAS 00020016047 SOGEFRPP UCR FR76 30003 01678 00020016047 96 USD bank account details : Bank name Beneficiary's name Account number SWIFT code IBAN (International Bank Account Number) Societe Generale EcoVadis 00020014018 SOGEFRPP UCR FR76 3000 3016 7800 0200 1401 872 The payment can be made in the currency of your choice. Please revert to article 8.6 to have more information on this topic. Note that all charges should be met by the remitter. CheckIn order to pay your invoice by check, please send it to the following address:EcoVadis – 43 avenue de la Grande Armee - 75116 Paris - FRANCEPlease note that an additional extra fee of 50€/75$ will apply if you chose to pay your invoice by check. Should you need any further detail or document, feel free to submit a request. Related articles Which currencies does EcoVadis accept? Will I receive a confirmation/proof of my payment? How to read a Scorecard? What is the EcoVadis methodology? How to use the Corrective Action Plan tool? Comments 0 comments Article is closed for comments.


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We know that keeping the interior of a car can be a tough job. Luckily, Supertrim offers you the best Universal PVC/Carpet Floor Mats for your interior while giving it a new look.
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Lead Free* Brass Angle Meter Valves
Lead Free* Models Available
3/4 in. to 1 in. (20 to 25mm)
Series LFWAMV Lead Free* cast copper silicon alloy Angle Meter Valves are designed for residential and light commercial incoming water supply service. The LFWAMV features Lead Free* construction to comply with Lead Free* installation requirements.
Disclaimer: Watts product dimensions in U.S. customary units and metric are approximate and are provided for reference only. For precise measurements, please contact Watts Technical Service. Watts reserves the right to change or modify product design, construction, specifications, or materials without prior notice and without incurring any obligation to make such changes and modifications on Watts products previously or subsequently sold.
Please Note: Watts literature requires Adobe Acrobat Reader to view.
*The wetted surface of this product contacted by consumable water contains less than 0.25% of lead by weight.


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Extra Heavy Duty #3 - Mobile Command EMERGENCY MANAGEMENT: Fourteen (14) workstations, restroom & galley, (4) equipment rack, (2) removable conference tables: Freightliner M2 chassis, 54,000 lb. GVWR, 335HP engine, Allison transmission, pass through cab to body, 39' O.A. length (Optional 45'),30' body, custom smooth side aluminum body with no rivets, walls: 2" x 2" x 16" O.C., .125 skin, roof: 2 " x 2" x 12" O.C., rear bumper, trailer hitch, hydraulic jacks, (1) awning, back up camera, exterior graphics allowance $2,000, back out curtains, (14) roll around chairs, (4) A/C units, (3) electric heaters, 20KW generator, shore power cord, standard alarm, (2) whiteboards, amplified TV antenna, wired for CAT 6 and phones, 16 port data patch, (4) equipment racks with interior and exterior access, (4) antenna mounts, (2) LED event clocks, emergency light package: (8) scene lights, (16) LED 3x7 lights, siren with light control, speaker, LED tail, turn & marker lights *VEHICLE PRICE INCLU
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£9,000 fees putting a gender gap in education
A generation of boys is turning its back on university in the wake of the rise in tuition fees to up to £9,000 a year, according to UK figures released today.
Final figures for this year's university intake, published by the Universities and Colleges Admissions Service (UCAS), show a 54,000 slump – 13 per cent down on the previous year (higher than earlier predictions).
A breakdown showed that the gender gap in entrants had reached an all-time high with the fall in the entry rate being four times higher for men than women.
Overall, it has meant that 18-year-old women straight out of school are 34 per cent more likely to apply to go on to higher education than men. The difference in application rates is 10.1 percentage points with 40.1 per cent of women applying compared to just 30 per cent of men.
Today's report shows for the first time that women are more likely to enter higher education than men are to apply.
Overall drop in university applications
Shabana Mahmood, Labour's higher education spokeswoman, described the drop in overall numbers as "a massive blow for people and communities across the UK".
She said the rise in fees "has put a brake on aspiration and has led people considering applying to university to decide against doing so at precisely the time that higher level skills have never been more important to secure their future".
Pam Tatlow, chief executive of the university think-tank million+. added: "There is no getting away from the stark truth that numbers of full-time students are down and the evidence collated so far for 2013 suggests the downward trend is continuing."
For full article:


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New Hampshire Drug Rehab
During 2005, there were about 3,800 admissions to drug rehab and alcohol treatment centers in New Hampshire. This is down from well over 5,000 drug rehab admissions in 2004 and 2003.
According to 2003-2004 national survey data, approximately 31,000 people in New Hampshire reported needing but not receiving drug rehab treatment for illicit drug use within the past year.
The drug situation in New Hampshire is as grim as any other state, showing a clear-cut need for drug rehabilitation programs that can help.
Both powder and crack cocaine are readily available throughout New Hampshire, with a recent increase seen in certain regions.
Heroin is widely available in New Hampshire and is often traced through coastal entry points.
Marijuana is the most widely available and commonly abused drug in New Hampshire.
Methamphetamine use and availability has steadily grown in New Hampshire, and the crystal, or ice form, has been found most recently to have increased.
Club drugs are most widely available and abused in the college areas and at clubs, where MDMA (ecstasy) is the most popular.
Prescription drug abuse is a big problem in New Hampshire. The most commonly abused and diverted pharmaceuticals are painkillers such as oxycodone and methadone.
About 108,000 people in New Hampshire reported past month use of an illicit drug.
Contact us now for drug rehab help for yourself or someone you love from New Hampshire.
New Hampshire Drug Rehabs
No one wants to be a drug addict or alcoholic; no one wants to be controlled by a substance and feeling hopeless. The drug addict's family and friends most commonly ask these drug rehab questions: how could my son, daughter, father, mother, sister, brother or friend become a liar, a thief, someone who cannot be trusted? And why won't they stop?
What you need to understand about drug addiction/drug rehab is that alcohol and addictive drugs are basically painkillers. Drugs chemically kill physical or emotional pain and alter the mind's perception of reality. They make a person numb to the pain they want to be rid of, but drugs also make them numb to all other emotions, including happiness and life in general.
For a person to start taking drugs there must first exist an underlying situation of unhappiness, a sense of hopelessness, or physical pain. Since the substances that they are taking to 'kill the pain' are chemicals and toxic to the body, they actually add in creating depression. A good alcohol and drug rehab program will include detox, which aims at ridding the body and mind of the toxins accumulated by drug use.
Bodies need vitamins, minerals, oils and water to function properly; when they are deprived of proper nourishment they become very depleted. The vitamin deficiencies will cause the person to experience problems sleeping, depression, physical aches and pains, and severe mood swings.
NH Drug Rehab Centers
There are many different kinds of drug rehabs or drug treatment centers and drug rehab programs.
We will provide you with as much drug rehab information and drug addiction treatment information as possible including specific information about each type of drug rehab, and how to get into inpatient drug rehab centers that will work for all kinds of drug and alcohol addiction.
A good drug rehab typically will last for a minimum of 3 months or more. These give the person a much higher rate of success; there is no 'quick fix' for alcohol and drug addiction…
Completely drug-free rehabilitation is the only way to help someone overcome their drug addiction and get back their life and happiness. Substituting one form of addiction for another is not drug rehab and does not help the individual–it only makes money for the legal drug dealers and in fact adds to the existing problem.
Addiction can be overcome and we can help!
Call 1-877-801-5475
[gravityform id=1 name=Contact Us title=true description=true]


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Why do I have to pay in advance for a new club opening?
This guarantees you'll pay the lower, promotional rate for a set period of time. After this initial payment, which covers your joining fee and first month, you won't pay us another penny until one month after your gym opens.


text:
Parents' Forum
What is the purpose of the Parent Forum?
The forum will seek to:
- Enable parents to raise educational issues and gain greater insight
- Provide a sounding board for Academy ideas and priorities
- Provide an opportunity for continued development of Parent Voice
- Inform and share successes of the Academy
Do I need to sign up?
- No - all parents/carers are welcome to attend the Parents Forum sessions
Websites for GCSE Specificiations
Previous topics:
February 2016 - E-safety
May 2016 - Artist in Residence Workshop
November 2016 - S.A.S Workshop
February 2017 - Parental Role in Supporting Student Workloads for Post 16
June 2017 - Memory and Revision Resources
September 2017 - Year 11 Spanish Information.
September 2017 - P16 Parents - Supporting your child
September 2017 - Year 9 Music workshop with parents/children


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Listen to Alan Olsen's American Dreams: Keys to Life's Success radio show. Each week expert guests will join Alan as they discuss how to make businesses thrive during challenging economic times and overcoming adversity.
How is it that a startup can break into the high tech industry and be on a rapid path during one of the worst recessions in history? "CEO makes it happen" says founder of Embedur Systems, Rajesh Subramaniam. "CEO makes it happen and I'm not talking about myself but it does represent three important things. Rajesh explains how customer satisfaction, an efficient and quality driven process, and close control of overhead is what drives the success of a company. Hear more on what Rajesh has to say on American Dreams.
Rajesh started his career at Schlumberger Technologies in 1994 working on the first mixed signal tester which later became the flagship product for Schlumberger in the ATE industry. While at Schlumberger, Rajesh was acknowledged for his contributions and was the recipient of the RATE award (Recognition in ATE Award). Rajesh then moved on to the field of networking and contributed to the early managed HUB platforms in 1998 for Bay Networks which was later acquired by Nortel Networks.
Continuing to follow his passion in networking and Optics, Rajesh began Consulting in the field of networking and standards based software development for early stage startups such as Kestrel Solutions and public companies such as NET. With this experience he later joined Atoga Systems, a start up catering to building products integrating WDM, SONET and IP in one box called the ALL-IN-ONE box or a multi-service provisioning platform, Atoga was acquired by ARRIS a publicly traded company in early 2003 and Rajesh was one of the early on members of the engineering design team to have been part of this acquisition.
In 2004 Rajesh went on to found embedUR systems and given his background in Telecom and Data Networking started leading the charter to build embedUR's customer base and focus on providing product engineering services for its customers. In Dec 2007 Rajesh took on the additional title of CEO along with being the Founder to expand embedUR and went on to launch embedUR centers in Chicago and off shore center in India. embedUR has serviced more than 25+ customers most of whom are publicly traded companies and is continuing to grow to reach new market verticals under Rajesh's leadership.


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You Make the Music Happen
The San Diego Symphony Orchestra is your orchestra,
and we need you to help to Make the Music Happen.
The San Diego Symphony is known for bringing music to San Diego through our summer and winter seasons, but our work touches peoples' lives far beyond the doors of our concert hall. Our music education reaches into every neighborhood. These are the places where our musicians live—where they teach your children, play in your churches, and perform in your local ensembles. We are a part of the fabric of your community.
With a successful Piano Festival, popular new Jazz Series, exciting summer line-up and wide array of guest artists and conductors this year, the Symphony's ticket sales are reaching new heights. But ticket sales alone are not enough to make the music happen. None of our programs can exist without your support. Please contribute today to help music thrive in your community.
With your generous support, music can continue to thrive in the lives of San Diegans.
What your gift can do for the community
This is the perfect opportunity to make your generosity go even further!
When you make a gift by June 30th your support will be matched dollar-for-dollar up to $500,000
by an anonymous donor!
Here are examples of what your support can do…
Here's How It Works
Your gift will be matched by a generous donor to fund and enhance our concerts and programs all over San Diego!
How We Say Thank You
Can we count on YOU to Help Make the Music Happen?
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winter and summer
students received musical
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followers on various social media
platforms, which is a 60.4% increase
in the past 12 months
attendees at the first-ever
Jazz @ the Jacobs series
countries represented among
our social media fans
seats offered to veterans, active
military and their families for special
military appreciation concerts
social media followers
ages 25 to 44
guest artists in
the 2015-16 season
tickets given to nonprofits and
community members, many of whom
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and chamber concerts
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Upright & Grand Piano Festival
13,000students attend Young People's
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education program
matching grant that will double your
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text:
14/09/2016 7:31:38 Chip in Chip in
Chip in
What is Chip in ?
Chip in is (verb) 1. to contribute We all chipped in for the present. 2. to interrupt My assistant suddenly chipped in with a comment.
source: Easier English, Student Dictionary Upper Intermediate Level
Tags: English DictionaryCategorised in: What is


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Associate Professor
Office: Ferrier 462
On Leave September 1 - November 16, 2016
Email: michael.blome [at] mcgill.ca (Michael Blome-Tillmann)
Michael Blome-Tillmann earned a BPhil (2003) and DPhil (2007) in Philosophy from the University of Oxford. Before joining the McGill faculty in 2009 he was the Stevenson Junior Research Fellow in the Arts at University College, Oxford. His primary areas of research lie in epistemology, the philosophy of language, and especially their intersection (the semantics of knowledge attributions). He has published papers on scepticism, on epistemic contextualism and conversational implicatures, and on the linguistic basis of ethical non-cognitivism.
He enjoys discussing a wide variety of philosophical topics.
Some papers he has written:
- Knowledge and Presuppositions in: Mind 118/470 (2009), pp. 241-294.
- Non-Cognitivism and the Grammar of Morality in: Proceedings of the Aristotelian Society 109/1 (2009), pp. 279-309.
- The Indexicality of 'Knowledge' in: Philosophical Studies 138/1 (2008), pp. 29-53.


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City Hall will facilitate a series of meetings over the next three years aimed at improving race relations and by extension neighborhoods and communities in New Orleans, under a program announced this week by Mayor Mitch Landrieu.
The "Welcome Table New Orleans" initiative will be conducted in partnership with the William Winter Institute for Racial Reconciliation at the University of Mississippi. The initiative will be funded by a three-year, $1.2 million grant from the W.K. Kellogg Foundation. The Urban League of Greater New Orleans is also a partner in the effort.
"We believe pretty strongly at the Winter Institute that the legacy of race and racism has run a tortured thread throughout American history and has affected just about everything we do in our country," said Susan Glisson, executive director of the institute.
"At times there have been efforts to ameliorate the negativity that comes with racism. But for the most part, we haven't as a nation fully grappled with the legacy of slavery and segregation and institutional racism."
The Welcome Table is an attempt to address those issues, as well as the other ways — such as religion, gender and sexuality — by which Americans divide themselves to the detriment of their communities, Glisson said. The institute operates similar programs in 16 Mississippi communities.
Under the initiative, residents of different racial groups and backgrounds will be divided into groups of no more than 25 people. For several months, they will participate in relationship- and trust-building exercises. Then they will undergo education and training about how to deal with the more challenging aspects of race relations. The final step is the creation of an "equity plan" to address issues raised by the group and the larger community, Glisson said. The Winter Institute will oversee the discussions.
Each group will decide what actions are included in its plan, Deputy Mayor Judy Reese Morse said.
"My hope is that groups will focus on one or more than one of the pillars that are included in NOLA for Life," Morse said, referring to Landrieu's multipronged program to reduce the city's murder rate.
Those pillars include creating safer communities, opportunities for young people and more economic opportunities for people in need, she said. But the groups will not be limited to those areas, she said.
Landrieu approached the Winter Institute to bring its program to New Orleans.
In a written statement, he said the effort is aimed at bringing "diverse citizens from across the city together to meet, share experiences and work together to improve neighborhoods and communities."
"Race is a topic that you can't go over or under or around — you have to go through it," Landrieu said. "I believe our city's diversity is a strength, not a weakness, and that the people of New Orleans are ready to look closely at the ways in which race and reconciliation can have a positive impact instead of a negative impact."
The city will provide more details on the endeavor at two information sessions next week. The first will be at 6 p.m. Monday at New Hope Baptist Church, 1807 La Salle St. The second will be at 6 p.m. Tuesday at St. Roch Community Church, 1738 St. Roch Ave.


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To learn more about our events and services, please contact the Career Center at:
1449 Webster St. San Francisco.
Orientations are held Monday, Tuesday, Wednesdayand Thursday at 10:00am.
An alliance of campus organizations is organizing a Know Your Rights Fair, an informational and training fair for vulnerable populations who may be feeling targeted in the new political climate in the country since the presidential election.
When: Tuesday, February 28th from 12noon to 5:00pm
Where: Jack Adams Hall – Terrace Level of the César Chávez Student Center, San Francisco State University.
There will be a wide range of non-profit human rights and social action groups as well as student groups. Together, we will attempt to inform our students, faculty, staff and the public about potential threats to their rights given the new political reality.
Many people on campus are very concerned about the political and social impact of rhetoric and laws that target women, LGBTQI/gender non-conforming persons, undocumented immigrants and their families, Arabs and Muslims, and communities of color in general.
Our goal is to inform the public about our rights and how we can defend ourselves and become involved in the resistance movement.


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New Shipment of Bell SA2015 Helmets Just Arrived
We had a small delivery today from @bellracingusa We are currently going through and filling back orders but expect to see more helmet deliveries over the coming weeks! Don't worry they're coming! #stableenergies #thinkfastbesafe #bellhelmets #sa2015 #havenofearhelmetsarehere#workflow #happymonday #morecomingsoon how can i buy viagra #preview
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Who is REALLY the innovative one: Nokia or Apple?
After Nokia released their quarterly results last week, analysts and reporters have been criticizing Nokia and pointing to Apple's iPhone as an example of how to do it right.
After Nokia released their quarterly results last week, analysts and reporters have been criticizing Nokia and pointing to Apple's iPhone as an example of how to do it right.
When you hold the Nokia N97 in your hand and look at that new home screen, you get your hopes up. Then you press the home button and realize that underneath, it is just another outdated Symbian S60 phone.
I had the opportunity to test the N97 for a few hours today and despite some bright spots, I came away disappointed.
The camera is great and there is a shutter button right where you expect to find it, allowing you to use it like any normal point-and-shoot camera. Apple could learn from this. The new home screen allows you to add a few tiny widgets, displaying for example your latest Facebook status - a noticeable improvement that will breath new life into this and coming Nokia phones. The touch screen works, but Symbian S60 was simply not designed for finger based touch screen navigation so the experience is not enjoyable. A slide out Qwerty keyboard sounds great - I'm a long time Nokia communicator user and just love the keyboard in my Nokia E90 - but the N97 implementation is poor. They keyboard is no where near what you have in the Nokia E90 and not necessarily any better than a Blackberry/Nokia E71 -style mini-qwerty thumb board but it takes up much more space.
The screen is in theory great but the user interface doesn't make very good use of it - often the text is either big enough to be read from the other end of the room or microscopical to the point that it can hardly be read at all. The icons and buttons often feels way oversized besides being plain uggly. With Symbian devices having all kinds of screen resolutions and sizes, designing a user interface is quite challenging and so far the result is unimpressive.


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Recent Examples of lifework from the Web
Earlier this year, de Rossi surprised DeGeneres by gifting her with the Ellen DeGeneres Campus of the Dian Fossey Gorilla Fund, which would honor and continue the lifework of one of her heroes, scientist Dian Fossey.
That became my encore career and, now, my lifework.
Lifeworks provides support to 2,500 individuals with disabilities and their families throughout the Twin Cities and greater Mankato area.
Besides, such is the cover band's lifework—all eyes on the next paying gig.
These example sentences are selected automatically from various online news sources to reflect current usage of the word 'lifework.' Views expressed in the examples do not represent the opinion of Merriam-Webster or its editors. Send us feedback.
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WASHINGTON — A soon-to-be-released report on the financial condition of the Federal Housing Administration's mortgage insurance fund is likely to provoke demands that the agency make another premium cut.
The report from independent auditors will likely show that FHA remains below its 2% statutory minimum capital ratio, but HUD officials and outside observers still expect it to show major improvement over last year.
Quarterly reports indicate that the insurance fund is benefiting from higher loan endorsements because of the Department of Housing and Urban Development's decision to reduce FHA's mortgage insurance premiums early this year.
"We are hoping with the increased volume that the capital reserve ratio has gone up significantly," HUD Secretary Julian Castro said at an event early this week.
HUD reduced FHA's 1.35% annual mortgage insurance premium by 50-basis points, to 85 points, in January. Since then, FHA endorsements of single-family loans have jumped to 334,400 in the second quarter, up 67% from a quarter earlier.
The "policy has been an unqualified success," Bank of America-Merrill Lynch analysts said in an Oct. 23 report.
Last year's actuarial report showed that the FHA's mortgage fund had an economic value of $4.8 billion, equaling a 0.4% capital ratio relative to loans guaranteed by the agency. The actuaries projected that the fund was on a path to reach a 1.3% capital ratio by Sept. 30 of this year, and 2% a year later.
If the new actuarial report, which is due out early next month, shows that the capital ratio is higher than 1.3%, it would likely spark a debate over whether the FHA needs to further cut mortgage insurance premiums for first-time homebuyers, according to Chris Flanagan, a mortgage securitization analyst with Bank of America-Merrill Lynch.
"An argument can be made that the MIP is too high and there is room to cut," Flanagan said in an interview. "It is still a struggle getting first-time homebuyers into the housing market. There are many people who believe credit conditions are far too tight."
But other analysts said HUD is likely to resist any pressure from industry groups to make another cut.
"We think the 50-basis point cut had offsetting impacts on the insurance fund, pushing the 2% threshold back slightly, which is why we think FY17 is a realistic estimate," said Isaac Boltansky, an analyst with Compass Point Research & Trading.
If FHA does go for a rate cut, Boltansky said it would likely be a 25-basis point to 50 basis point to its upfront premium, not a reduction in its annual premium, which is paid out over the life of the loan.
The annual actuarial report is prepared by independent auditors who look at long-term trends in the mortgage market, interest rates and the economy in making their estimates of the current and future economic value of FHA's single loan portfolio.
According to last year's actuarial report, the housing market should be in a mild recession right now. The auditors also have to factor in the performance of FHA reverse mortgages (known as Home Equity Conversion Mortgage program), which has been a drag on the FHA Mutual Mortgage Insurance Fund.
It is difficult to make predictions about the actuarial report because of the economic assumptions and impact of the reverse mortgage program, observers said.
The reverse mortgage program is a "wildcard," said Brian Chappelle, a mortgage consultant and co-founder of Potomac Partners.
The economic value of the reverse mortgage program dropped from $6.5 billion in fiscal year 2013 to a negative $900 million a year later.
On its own, the FHA's forward mortgage program has been rebounding. It had a negative economic value of $7.9 billion in fiscal year 2013. But a year later, its economic value jumped to a positive $5.9 billion. The last actuarial report projected that the forward program would continue to recover and reach an economic value of $16.2 billion in fiscal 2015. [The auditors do not disclose the capital ratio of the stand-alone FHA forward program — just the capital ratio for the combined FHA forward and reverse mortgage programs.]
On its own, the FHA forward program "should get close to a 2% capital ratio," Chappelle said.
He said all the factors within FHA's control (loan volume, loss severity rate and delinquency rates) have improved substantially over the last year.
For example, the amount of seriously delinquent loans dropped to $55 billion in August, down from $95 billion in January 2013.
If the reverse mortgage program drags down FHA's capital ratio, Chappelle said he is concerned it could take a premium reduction off the table and deprive homeownership opportunities to minorities and low-income borrowers.
"Why should first-time home buyers be penalized because Congress merged the reverse program into the forward FHA program a few years ago?" he said.
David Stevens, the president and chief executive of the Mortgage Bankers Association, also expects November's actuarial report to show continued improvement.
"I would expect it to be above the 1.3% expectation, but that might be as much as a result of the reverse HECM program as the forward mortgage portfolio," he said.
Stevens, a former FHA commissioner, noted the reverse mortgage portfolio is only one-tenth the size of the forward portfolio. However, it is "extremely volatile and can swing the total capital reserve portfolio significantly."
Meanwhile, Castro has already signaled that he will be cautious in considering any new premium reduction.
"As the fund continues to get stronger," it will allow HUD to consider another premium reduction, Castro said.
Stevens said "FHA would like to build a cushion in the fund, above the 2% minimum level."
"Rates still remain near historic lows and it is my belief that FHA will hold off using this valuable stimulus option until it is clearly needed and not trade away this option too early," he said.
Edward Mills, a policy analyst at FBR Capital markets, said a good report would trigger a renewed debate on a premium cut, but agreed that FHA is unlikely to go in that direction.
"The chances of an annual premium change is extraordinarily low," Mills said in an interview. "If anything is done, I think it will involve the life of loan requirement or the upfront premium."
HUD may also want to avoid the political pushback that would come from any rate reduction. Republican lawmakers argued the January cut was premature because the mortgage fund had no reached its mandatory minimum. If HUD were to make another cut, it would invite more criticism and scrutiny from Capitol Hill.
There are also questions as to whether another premium reduction would result in the same boost the FHA received from the last one. The 50-basis point premium reduction cut the profitability of each loan, but FHA made it up in volume.
"The question is whether they can do it again," said BofA's Flanagan.
Flanagan's report also points out that an additional FHA annual premium reduction to 55-bps could cut into Fannie Mae and Freddie Mac's market share and hurt the private mortgage insurers' business.
Such a move might force the Federal Housing Finance Agency to reduce the loan fees the two government-sponsored enterprises charge borrowers. It risks "triggering a price war with the GSEs and forcing FHFA's hands," the Oct. 23 report says.


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whistle my own tune.
Sunday, November 6, 2011
7 comments:
- Néhémie said...
It's not only what you wear, it's also how you wear what you wear! You never try to impress sbd (but you do) or to improve how "fashionable" you are. Both of you. The skirt is dope!!! :)
- 07 November, 2011 05:39
- galatea. said...
such a nice read. and luvin' how you still manage to look fresh in such an unforgiving climate.
change is soo good for the soul, and asia in your veins x
- 07 November, 2011 13:13
- Francesca said...
I hope you are well my dear :) Can't wait to see posts about your Shanghai trip.. I loved it while I was there but I couldn't see myself living there it's way too hectic and not many people there speak English :P I love Singapore though.. want to go back so badly
/ twitter: @opinionslave
- 07 November, 2011 14:43
- noura. said...
i really love these streets. it looks so real and not glamorous and just like life.
- 07 November, 2011 20:42
- laura said...
oh my i really like the birkenstocks ! i remember posting about them while ago but figured i could never actually pull them on just like that .. they really do, surprisingly, look natural though ! in a good way, that is (--:
- 08 November, 2011 09:17
- Brandy Shaloo said...
I love your look, it's really easy and you look comfortable in it that's what makes it so cool. And kudos for the visor!
- 10 December, 2011 10:57
- Jessica said...
great outfit, pictures & blog!! i'm addicted :) so glad i found you. Hope you enjoyed Singapore, i wish i can visit too someday!
- 11 December, 2011 12:44


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I Saw It On The Internet, So It Must Be True!
You've searched the internet and found various conflicting opinions about how to remove stains from granite. Well let me tell you…you cannot always believe everyone on the internet. It is sad to say, but there are many so called experts out there giving dubious advice about cleaning and maintaining natural stone, marble and granite. Some of the advice is good, but much is simply hooey!
All "Experts" are not Equal!
Here is an example:
Searching the keywords "removing stains from granite", you will find this Video from Answers.com
The "advice" suggests making a poultice, but the method suggested is going to yield very poor results on most medium and light colored granite…the very colors susceptible to staining if not properly sealed. This may be a 'dressing', but it is not an effective poultice.
An effective poultice uses a chemical reaction utilizing a medium such as clay or plaster, combined with a reagent to draw oils or stains out of the granite. The proper methods utilize heat to draw the stain into the medium, being clay, plaster or other effective medium.
The video also indicates that citrus juices can harm your granite. This is not accurate. Granite is a Quartz and Feldspar based stone that is acid-resistant. Common household foods will not etch granite. These acids will however damage sensitive marble's and onyx which are calcium based stones and acid-sensitive.
HMK Stone Care World Class Stone Care Experts
Nobody knows more about caring for natural stone than Moeller HMK Stone Care. HMK is one of the earliest developers of Stone Care products in the world. Since 1977, HMK Stone Care is the world leader in stone care products with over 70 professional grade products to Clean, Protect and Maintain all natural stone regardless of texture or finish.
HMK R52 is a Professional Grade Stain Removing Poultice for all Natural Stone.
R52 is effective on Granite, Marble, Limestone, Travertine, Slate, and more.
R52 is an active Ready To Use Cleaning Poultice that Removes Oil, Wax, Grease and Food Stains on all Natural Stone and manmade stones. This poultice draws stains out of stone. No mixing required. 1 Liter size.
Apply R52 onto the surface with a putty knife or spatula and work into the surface with a brush. Thereafter add more R52 to ensure that there is a layer of at least 5mm of poultice.
Cover paste with plastic and tape down plastic at the edges. This will retard drying and allow for slower but better drawing out of stains. You may need repeat process.
Once dry (this can take up to 24 hours) brush off the hardened poultice but do not scrape off as this can damage the surface. After removing all the poultice scrub the area with HMK® R55 Intensive Cleaner -acid free- diluted about 1:20 with clean water, using a scrubbing brush, stiff brush or suitable pad. Remove the dirty liquid and rinse the area thoroughly with clean water.
We are Professional Stone Experts
Torin Dixon is a 37 year Dimensional Stone industry Veteran. He has been involved in the Fabrication, Installation, and Restoration of Natural Stone since 1977. He is also a Slab and Tile Importer and Distributor.
Torin has traveled to more than 200 granite and marble factories in Brazil, Italy, Spain, Canada, Mexico, Peru, and China. He has supervised the quarrying and fabrication of granite and marble slabs for thousands of commercial and residential stone installations. Torin remains a licensed installation contractor, and owner of Elegance in Stone, LLC based in Missoula, Montana.
Torin is a recognized Industry Expert, Technical Writer, and is available for stone care restoration and repair consultations. Call 800-380-6881 for assistance.


text: Be aware that Kindle is highly vulnerable to outside interference. The authors of this book are trying a run on Kindle to see if the outcome is acceptable because it is the only access people in Australia, Canada, and New Zealand have except to buy the bookj via indie-kitchen.myshopify.com Dangerous Imagination, Silent Assimilation is a no-excuses conversation about the social engineering of the twentieth century, how it led to our planet being terraformed almost without our knowledge and what we can do about it. It's not as hard as you think. The side effects of global medical experimentation are devastating and fatal unless we act… Morgellon's Syndrome and the use of Sentient OIl, both of which are being understood deeply and handled. Read how.


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About us
Chairman of the board: Leon Komraus, V-ce Chairman of the board: Adam Kalder
We have 20 years of experience in the field of FRP laminate products. Our flagship product are fan impellers, fan stacks, fan rings and complete fans. Thanks to the investment in research, product development and staff training we are able to continuously improve our range of products.
Today, the company Wentylatory WENTECH Sp. z o.o. produces axial fan impellers from 1200m to 20000mm.
Our knowledge is based on the profound experience in the field of composites. Thus, we are able to offer consulting and production services at the supreme level of quality. One of our most important achievements is production of the biggest FRP composite fan impeller and fan stack in the world.
Every single day we passionately realise our mission and vision
Our goal is to become a key producer on european market of industrial fan impellers.
Continuous development of our competence in advisory and production fields forms the basis of our company as well as meeting even the most complex requirements of our customers. We foster trust, mutual respect, and cooperation – having the loyalty of your employees makes for a better business environment all around.
Your cooperation in this regard will be highly appreciated!


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Are you wondering how much money you are wasting on check-weighs? Using information from the American Transportation Research Institute's yearly report, we've provided a quick calculation for you. Just follow the prompts below to find out exactly how much money an Air-Weigh onboard scale could be saving you!
Cost of Out-of-Route Miles
Cost of driver time
Cost of check weigh


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Pirate Event Part 1- Game of Jawas: One Jawa in the Dead Man's Chest.
Primary tabs
Pirate Event Part 1- Game of Jawas: One Jawa in the Dead Man's Chest.
The Skull and its crew drew the ire of The Exchange on Tatooine following a raid by Captain Eisley and his First Mate Melkaio, alongside with their Mandalorian friend Telessa. Everything would have been just fine if the Captain woulnd't have pushed the arrogance to the point of leaving a signature to the event as an act of provocation. to be fair they were on his land, they didn't belong there and he had a long going grudge against them.
Not long after, the Exchanges spotted Rusty, the Skull's Jawa Enginee and had him followed, then captured. They were asking for 66 million credits to the Captain as a ransom, an astronomical sum even to the Pirate's standards. The Jawas among the crew were getting disorganized without their Chief Rusty and Melkaio was warning the Captain bout a possible desertion from the Jawa crew if they dind't free Rusty. According to him they already started selling more scraps than usual as a fundraiser. Most organizations, would punish such behavior, but this was The Skull, membeship was by choice, no one was forced or kept against their will, the Captain jus nodded, disapointed, and reffilled his glass.
By that was clear the crew wouldnt pay to frew Rusty but they would rather stealth their way in and dree him themselves. However they were short on the kind of peuple they need for a stealth mission. So the Captain and Melkaio brought their plea for help to Darth Belatrix, the supreme leader of Invicta. Several notorious members of the organization were there as well. The Bounty Hunter Luthienn, Keeper Jar'rogen as well as Telessa. Belatrix and Henerkin being old business partners, she accepte to supply the staff to help him. Melkaio suggest to go with a stealth operation to free good ol' Rusty withouth being spotted by The Exchange. We would need a few extra stealthy types for the job.
The Bounty Hunter suggested a more direct and violent approach, which made the Captain smile. He finished up hs glass of whiskey before adding "The'll gat whats's beedn coming to them soon enough. First we get Rusty Unharmed. Then we comback and turn them sands red".
((OOC: This is a small rescue event . the goal will bet to retrieve a jawa from THe Exchange in stealth mode. If we get aggro, the jawa might get killed. Thee ill be a part 2 open to everyone the week after. ))


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Get on board with our range of services in Perth including creative and more
Understanding the importance of convenience, we are proud to be able to offer everything your business needs, for maximum exposure at the budget you have available. Why should you have to deal with seemingly countless personnel, all from different companies, in order to plan and implement one campaign? Simplify it all and come to BMG - our team takes care of everything efficiently and effectively from the ideation and brand strategy stage plus a comprehensive list of creative services, all the way to campaign outcomes and more. We even have a country-wide network of qualified signage installers, so you can rest assured of the strictest quality control practices from start to finish.
Why opt for us instead of other brand strategy agencies in Perth?
They say it takes 10,000 hours to master a skill. Operating for more than 15 years in this industry, we've well and truly surpassed that amount, time and again delivering exceptional results for clients.
Have a chat with us today
Whether you're looking for more information about our creative services in Perth, custom signage in Sydney, or anything else, get in touch by calling (03) 9268 7080 or sending us a message online.


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Why do women respond differently to alcohol and what are the consequences?
– Meghan Betts
We all know that drinking too much alcohol can be damaging to our health, but evidence shows that women not only respond differently to alcohol compared to men but they are also more vulnerable to alcohol-related diseases.
According to a global study from the National Drug and Alcohol Research Centre, NSW Australia, women have now caught up with men in terms of the amount of alcohol they drink. The study, published in the journal BNJ Open, looked at the drinking habits of four million people over the last 100+ years and reveals that not only are women drinking much more but as a result are doing increasing amounts of damage to their health.
The researchers conclude that increased public health efforts need to be focused on young women.
"Alcohol use and alcohol-use disorders have historically been viewed as a male phenomenon. The present study calls this assumption into question and suggests that young women, in particular, should be the target of concerted efforts to reduce the impact of substance use and related harms," they say.
Although women are drinking the same amount as men, we respond differently and are more vulnerable to the effects of alcohol than men.
Women's bodies process alcohol slower than men's do – in fact, just one drink for a woman can have twice the effect as it would do for a man.
Generally, women weigh less than men, and their bodies are made up of more body fat and less water. Whereas water dilutes alcohol, fat actually retains it, meaning that alcohol remains at a higher concentration and for longer in a women's body than it does in a man's.
Women also have lower levels of the enzymes which metabolise (break down) alcohol – alcohol dehydrogenase and aldehyde dehydrogenase. This means that women absorb more alcohol into their blood stream than men do.
Women are also more likely to be restricting their food intake than men. When food is present in the stomach, a valve closes and prevents the food (and alcohol) from entering the small intestine. Alcohol is less easily absorbed in the stomach. Drinking alcohol on an empty stomach, however, allows it to immediately pass through into the intestines where it is readily absorbed due to the large surface area.
There is also some debate as to whether differing hormone levels during the menstrual cycle, or the use of the oral contraceptive pill, may affect a women's response to alcohol consumption. However, at present the evidence is inconclusive.
As well as responding differently to alcohol consumption, women are also more vulnerable to alcohol-related diseases than men. In particular, women are more likely to contract alcoholic liver disease including hepatitis (inflammation of liver) and are more likely to die from liver cirrhosis (a chronic disease which progressively destroys the livers ability to help with digestion and detoxification).
Women are also more at risk of suffering from alcohol-induced brain damage including loss of mental function and reduced brain size.
Studies also suggest that excessive alcohol consumption increases the risk of breast cancer. The overall lifetime risk of breast cancer in female nondrinkers is 9/100 (9%). For women who drink two standard alcoholic drinks a day, this increases to just over 10/100 (10%). For women who six alcoholic drinks a day this increases to approximately 13/100 (13%).
As well as breast cancer female drinkers have an increased risk of osteoporosis, falls and hip fractures, premature menopause, infertility and miscarriages, high blood pressure and heart disease compared to non-drinking women.
Evidence also shows that women are more likely than men to abuse alcohol for self-medicating conditions such as depression, anxiety, stress and emotional difficulties. Women can also become more easily addicted to alcohol than men, particularly later in life, and although they are more likely to seek help sooner, more barriers exist in preventing them get the treatment they require.
There are many factors that can affect your individual risk of damaging your health from drinking alcohol, as detailed in a special report published by Harvard Health Publications. As a woman, it is important to be aware of the increased risks associated with alcohol consumption by our gender and ideally adapt our behaviour to reduce the incidences and consequences of alcohol abuse.


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Outstanding Beginning Teacher Awards
Every two years, MACTE accepts nominations for the Missouri Outstanding Beginning Teacher Awards. Each MACTE member institution may nominate up to two 1st or 2nd year teachers for this award. Award recipients will be notified by the MACTE Executive Board and will be invited to attend our spring conference for a luncheon in their honor.
While the nomination and selection process at each institution may vary, the following items are necessary to approve a nomination:
- Feedback from faculty during the student's teacher education program
- Feedback from student teaching supervisor and cooperating teacher during student teaching
- Letter of recommendation from the hiring principal regarding the performance of the student during their first year teaching (REQUIRED IN THE PACKET)
- Review of nominations by a committee comprised of faculty and staff at the University and school personnel


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Mailing address
Karl Börjesson
Department of Chemistry and Molecular Biology,
University of Gothenburg
Kemivägen 10
412 96 Gothenburg Sweden
karl.borjesson (at) gu.se
Visiting address
Kemigården 4
Chemistry building, Campus Johanneberg
Room 8024
Excitation energy transfer through dipole-dipole interactions can efficiently mediate energy between molecules at fairly large distances. In this so called Förster type energy transfer the transition dipole moments on the energy donor and acceptor couple so that excitation energy is transferred between the two molecules. The efficiency of the energy transfer depends not only on the strength of the transition dipole moments, but also on their relative orientation. Our research efforts aim at both studying this process at a fundamental level and also use it to increase the efficiency of molecular electronic devices.
A common way of envision the creation of molecular orbitals is through the hybridization of atomic orbitals. It is perhaps less known that electronic states in molecules and atoms can hybridize with light or vacuum fields to create hybrid light matter states. So called strong exciton-photon coupling occurs when light-matter interactions are large, and it is manifested through new hybrid light-matter states called cavity polaritons. The pioneering work within this field, cavity quantum electrodynamics, was made in the 80's by among others Haroch, who placed atoms in microwave cavities. In the beginning of the 90's the strong couple regime was achieved also in the optical regime. In the earlier work atoms were used as active media, but later inorganic materials in both the form of semiconductors and quantum dots have been explored. Molecules can form even stronger exciton-photon coupling than atoms and inorganics, due to a larger transition dipole moment, but potential applications have just begun to be revealed. Our research efforts aims at exploring the phenomena at a fundamental level, and use it to generate organic molecular systems with fundamental new properties.
Molecular switches are capable of isomerizing between two different states, when exposed to an external stimulus such as light. The two isomers can have remarkably contrasting properties (e.g. electronic, optical, mechanical), which have made them popular in many applications. We have used the change in electronic properties between the two isomers as a light triggered on/off button in organic field effect transistors, and used non-isoenergetic isomers to capture and store solar energy. Our research efforts aims at developing new switches with improved properties as to expand the potential field of applications for this class of interesting molecules.
Copyright C 2015 Karl Börjesson | University of Gothenburg | Department of Chemistry and Molecular Biology. All Rights Reserved.


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A new calculator can help couples see their odds of success with in vitro fertilization (IVF) before they start treatment, a recent study suggests.
Doctors have traditionally been reluctant to estimate couples' chances of having a baby before they complete at least one cycle of IVF, allowing clinicians to assess the quality of the eggs, sperm and embryos in addition to individual characteristics such as age, weight and medical conditions.
With the new pre-treatment calculator, however, women can get an estimate of their chances before that first cycle of IVF and it can be adjusted based on what doctors discover after that cycle is completed, said lead study author Dr. David McLernon of the University of Aberdeen in the U.K.
"I don't think women would want to undergo their first cycle of IVF just to determine their chances in future cycles - I think their aim would be to have a baby in that first attempt," McLernon said by email.
For the current study, researchers examined data on 113,873 women with 184,269 complete IVF cycles.
Overall, 29 percent of the women had a baby after one cycle and 43 percent delivered an infant after six complete cycles, researchers report in The BMJ.
Age was one pre-treatment indicator of the odds of success. Women who were 31 years old before the first cycle of IVF were 66 percent more likely to have a baby than women who were 37 years old, for example.
The number of years couples experienced infertility before trying IVF also factored into their odds of success before treatment. Couples were 9 percent more likely to have a baby after three years of infertility than after six years.
Once IVF started, factors that influenced the odds of success included the woman's age, the number of eggs retrieved in the cycle, whether the eggs were frozen and how developed the embryos were before being transferred from the lab into the woman's uterus.
A greater number of eggs produced in a cycle increased the odds of success up to 13 eggs, but more than that might mean lower quality eggs and lower chances of a baby, the study found.
Combining all these factors, researchers calculate that before treatment, a 30-year-old woman with two years of unexplained infertility has a 46 percent chance of having a baby after one cycle of IVF and a 79 percent chance of success over three complete cycles.
IVF can take a steep emotional and financial toll on couples, and the calculator can't address every factor that may influence whether any given cycle of treatment results in a baby, the authors caution.
It's also possible that some factors not included in the calculator might still impact the odds of success for a given patient, noted Judy Stern, an obstetrics researcher at Dartmouth-Hitchcock Medical Center in Lebanon, New Hampshire.
"To the degree that the patient understands that success rate, realizes that it is AN ESTIMATE ONLY, and understands that additional factors not included in the model could influence the outcome, it can be helpful," Stern, who wasn't involved in the study, said by email.
"It can also give false hope (or lack of hope) and it is thus important that patients thoroughly discuss these rates and their own specific situation with their providers," Stern said.
The calculator in the study does have some advantages over one from the Society for Assisted Reproductive Technology (SART) that many doctors currently use, said Dr. Kevin Doody, SART president and a researcher at the University of Texas Southwestern Medical Center in Dallas.
SART's "Patient Predictor" calculator (available here: http://bit.ly/1O5q2XX) only goes up to three cycles and doesn't include some factors related to frozen embryos, Doody said by email.
At the same time, the current study's "OPIS" calculator (available here: http://bit.ly/2g4ZEWi) doesn't predict success based on the number of embryos transferred or examine the risk of twins, things the SART calculator does include, Doody said.
"These models are great in that they demonstrate that success rates with IVF can be quite high, but some women will need to undertake several cycles," Doody said.