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text:
Triple Vibe Vibrato TonePrint by Michael Britt
For the ultimate swirl try Michael Britt's Triple Vibe Vibrato. Using three independent vibrato effects at the same time, this TonePrint will give you a rotary sound unlike anything you've heard before
Get the TonePrint Now
Have an iOS or Android device? Use the TonePrint AppDownload the TonePrint EditorTriple Vibe Vibrato TonePrint by Michael Britt
<iframe width="920" height="518" src="http://www.youtube.com/embed/lLHw6NEybeA?rel=0&wmode=transparent"></iframe>
Other TonePrints by Michael Britt
TC: What got you into playing guitar when you first started out?
Michael: To be quite honest, it was Kiss. When I was in 6th grade, the Destroyer album came out and everybody wanted to be Kiss – it was it! Then I heard Eddie Van Halen after that, and as I got a little older I got into Mark Knopfler and Stevie Ray Vaughan. So it was between Stevie Ray, Van Halen and Mark Knopfler. Everybody else is part of them somehow anyway.
TC: In regards to your pedalboard, can you describe what is on it and what the signal flow is like?
Michael: I usually use a compressor pedal which doesn't do a whole lot, but it just smoothes things out, and it's really more valuable for using in-ear monitors. It just kills some of the transients so you can have a more consistant tone in you in-ear monitors. So I use that and a couple of gain pedals, and they change daily. I've also had different chorus pedals and delay pedals, and the Nova Delay was my stable for a long time when it came out.
TC: Are you the kind of guy who is always happy with your sound, or are you always searching?
Michael: I feel I'm always happy with my tone. You could ask anyone, and they will probably say that I sound the same now as I did three years ago, even though everything has changed gear-wise.
TC: So you are not a tweaker, you would rather just plug in and go?
Michael: Pretty much. My basic sound is usually just guitar and maybe a compressor and a gain pedal and an amp. I use these for color in the songs, but typically, ninety percent of the time it's very dry. I use delay as my tool and I almost always lock it to the tempo of the song.
TC: Now that you have tried them, what do you think is the single coolest thing about the TonePrint pedals?
Michael: The fact that we are able to taper the feedback differently than the depth. It makes almost like three different pedals in one box, and I don't think you can do that with any other pedal. And I know that these are my sounds, the ones I would go to, so instead of finding a pedal and having that one spot where the knobs sounds good, I can dial in my two or three favourite chorus settings and have them all in one pedal. There is not just one spot where it sounds good.
TC: Have you ever been tweaking a pedal and come across a sound that inspired you to write a song?
Michael: Kind of, but I think they've always been derivative of something else. Maybe I'm going for a sound and stumble across something that I think sounds like U2 and it makes me want to do that.
TC: Would you rather have a pedal with a thousand knobs on it, or do you prefer to just have a couple and you are good to go?
Michael: For me, simpler is better. It's fascinating and great to look at alle those parameters and be able to change them all, but in the heat of battle you want as few things that can go wrong as possible.Read more about Michael Britt

subset: commoncrawl


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23 Kan. App. 2d 800
No. 75,433
No. 75,434
No. 75,435
STATE OF KANSAS, Appellee, v. WILLIAM W. HARLIN, Appellant.
Pro se motions for sentence conversion filed out of time under K.S.A. 21-4724 may be considered as K.S.A. 60-1507 motions.
Appeal from Wyandotte District Court; LAWRENCE G. ZUKEL, judge. Opinion filed April 18, 1997. Reversed and remanded.
Lisa Nathanson, assistant appellate defender, and Jessica R. Kunen, chief appellate defender, for appellant.
Thomas R. Telthorst, assistant district attorney, Nick A. Tomasic, district attorney, and Carla J. Stovall, attorney general, for appellee.
Before BRAZIL, C.J., RULON and KNUDSON, JJ.
KNUDSON, J.: William W. Harlin appeals the trial court's denial of his motion for conversion of his sentences filed pursuant to K.S.A. 21-4724(d)(1).
On July 20, 1994, the Department of Corrections (DOC) issued a sentencing guidelines report which concluded Harlin was ineligible for conversion of his sentences. On June 6, 1995, Harlin filed the present motion with the district court. The district court denied Harlin's motion because it was filed more than 30 days after the sentencing guidelines report was issued by DOC.
Harlin argues, and the State agrees, that his motion should be construed as a motion pursuant to K.S.A. 60-1507. Both parties contend that the trial court erred in dismissing for lack of jurisdiction, citing State v. Randall, 257 Kan. 482, 894 P.2d 196 (1995). Randall is distinguishable from the case on appeal. Randall provides that a prisoner who receives a notification of findings in lieu of an actual sentencing guidelines report may appeal such a finding although K.S.A. 21-4724(d)(1) refers only to appeals from a guidelines report. The Randall court noted if it were to be held otherwise, an ineligible inmate in such circumstance would be left without access to the district court. 257 Kan. at 485.
Harlin acknowledges receiving a guidelines report and his subsequent failure to file within 30 days thereafter his motion for conversion. Contrary to Randall's dilemma, Harlin was statutorily given 30 days to file a motion for conversion with the district court under K.S.A. 21-4724(d)(1) and simply did not do so in a timely manner.
Consequently, we are confronted with a jurisdictional issue that must be addressed in spite of both litigants assuming jurisdiction exists and requesting remand to the district court for hearing. See City of Overland Park v. Barron, 234 Kan. 522, Syl. ¶ 1, 672 P.2d 1100 (1983).
The issue is whether the provisions of K.S.A. 21-4724(d)(1) are mandatory and, therefore, the district court lacks jurisdiction over Harlin's motion. Separate panels of this court have reached opposite conclusions on this issue in unpublished opinions.
K.S.A. 21-4724 provides in material part:
"(d)(1) Within 30 days of the issuance of [the sentencing report], the person who committed the
crime and the prosecution officer shall have the right to request a hearing by filing a motion with the
sentencing court, regarding conversion to a sentence under the Kansas sentencing guidelines act to be
held in the jurisdiction where the original criminal case was filed. . . .
"(2) In the event a hearing is requested and held, the court shall determine the applicable sentence as prescribed by the Kansas sentencing guidelines act.
"(3) In the event a hearing is requested, the court shall schedule and hold the hearing within 60 days after it was requested and shall rule on the issues raised by the parties within 30 days after the hearing."
We first turn to State v. Porting, 20 Kan. App. 2d 869, 892 P.2d 915, rev. denied 257 Kan. 1095 (1995), where this court considered whether the time requirements imposed upon the district court in K.S.A. 21-4724(d)(3) were directory or mandatory. Despite the presence of the word "shall," the court held the provision to be directory. 20 Kan. App. 2d at 871. In explanation, the court noted "the provision fixes a mode of proceeding and a time within which an official act is to be done, thereby securing order, system, and dispatch of the public business, namely conversion of sentences under the sentencing guidelines." 20 Kan. App. 2d at 872.
Clearly, Porting is distinguishable from the case at bar. The Porting court was interpreting 21-4724(d)(3), not 21-4724(d)(1). Nevertheless, textual integrity of a statute tends to suggest a consistent definition of the verb "shall" would be appropriate. We also believe it unseemly to conclude that an inmate's motion for access to the district court should be denied because "shall" means "shall," but the same verb means only "should" when applied to the court.
As noted by the Supreme Court in Randall, in interpreting K.S.A. 21-4724(d), the technical distinction between a sentencing guidelines report and a notification of findings has been largely ignored insofar as affording inmates with access to the courts for consideration of sentence conversion. We are not persuaded there is any compelling reason to circumvent Harlin's access by a construction of 21-4724(d)(1) that is facially at odds with the construction of 21-4724(d)(3).
We conclude that the district court incorrectly dismissed for lack of jurisdiction. Harlin's motion is to be construed as one under K.S.A. 60-1507.
Reversed and remanded.


text:
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i wanna join a team that is invesigating the paranormal. im soooo interested in this i really need to know what else is out there. please comment if you have advice or you want to help me out.
i wanna hunt ghost
Started by gaclover3312 , Sep 19 2012 10:27 PMwho wants to do it with me
2 replies to this topic
Posted 19 September 2012 - 10:27 PM
Posted 20 September 2012 - 09:04 AM
There are groups almost everywhere.
Check out www.paranormalsocieties.com to locate one that is near you.
There are groups almost everywhere.
Check out www.paranormalsocieties.com to locate one that is near you.
-Stephen G.
Co-founder of Fly By Night Paranormal Investigations.
Based in Omaha, NE with a chapter in Dallas /Ft. Worth, TX. FBN is primarily a paranormal research team with a focus on classical 'haunting phenomena.'
Please visit our website at www.fbnparanormal.net or find us on Facebook: https://www.facebook...NightParanormal
Posted 21 September 2012 - 05:26 AM
That's what I was going to suggest.
Right this way to my haunted space.
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text:
By Laura Zuckerman
(Reuters) - A jury on Friday cleared former University of Montana quarterback Jordan Johnson of a rape charge in a case that has riveted the campus in Missoula, court officials said.
Johnson, a former team captain of the Montana Grizzlies, had been accused in July of raping another student while they watched a movie in her bedroom last February.
The U.S. government last year launched investigations of allegations that the University of Montana and Missoula had failed to aggressively pursue sexual assault and harassment reports, several of which involved football players.
Another former player, running back Beau Donaldson, was sentenced to 10 years in prison last year after pleading guilty to raping a woman at his residence in 2010.
The three-week trial in the Montana Fourth Judicial District Court in Missoula centered on differing accounts by Johnson, then the university's starting quarterback, and his accuser of what took place on February 4, 2012.
The unidentified woman told prosecutors she repeatedly responded to Johnson's sexual advances by saying, "No, not tonight," court documents show. She told authorities that Johnson later raped her.
Johnson's attorneys said the sex was consensual, according to legal filings. They did not respond on Friday to requests for comment.
They had previously accused the state of using the case "as a means to try to send a message" amid investigations of complaints about how the university, Missoula police and the prosecutor's office handled sexual assault allegations, according to documents.
Assistant Chief Deputy Missoula County Attorney Suzy Boylan dismissed those claims on Friday, saying: "This case was charged and tried on the evidence."
Johnson and Donaldson were suspended from the team during the criminal proceedings. Johnson's future with the Grizzlies was not immediately clear.
Rape allegations on and off campus have shaken Missoula, a city of 86,000 in the Bitterroot Mountains of western Montana. In May the U.S. Justice Department announced it would examine responses by local officials to 80 reported rapes over a three-year period.
Weeks later, the U.S. Education Department opened its own investigation into whether the university responded appropriately to at least 11 reported sexual assaults since 2010.
Three of those cases involved rape accusations against members of the football team, including Johnson and Donaldson.
The university, which has cooperated with the probes, has pledged to ensure the safety of women on the 15,600-student campus. A training program on preventing sexual violence is now required for incoming students.
(Reporting by Laura Zuckerman; Editing by Cynthia Johnston and Xavier Briand)


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In this work, the photographer presciently foreshadows the essential dialectic that was to become the touchstone of the nineteen sixties. The polarities of the cultural rift that was to come is limned by the stark juxtaposition of iconic figures: one, a near-Kerouacian embodiment of the rejection of middle-class bourgeois values and mores, confronts his antithetical archetype, himself a veritable paradigm of conventional managerial-class affectations. Note also the seemingly aleatory disposition of deceptively mundane objects: the "bullet" lamps, an allusion to the violence intrinsic to the enforcement of conformist societal imperatives; the desk with no legs, an unconscious admission of the illusory foundations of work-ethic mythologies. Most tellingly, a copy of the Declaration of Independence is inexorably detaching itself from the wall, an ironic metaphor for the impermanence of superficial obeisance to culturally-imposed eschatology.
Back here on planet Earth, I'll point out that this is my brother visiting his college friend Bob in his room at the Blue Rock Apartments in Larkspur, California. The
was captured by me with my then-new Kodak Starmite. The negative is gone, and all that's left is this Scotch-taped print.
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Thanks. Love your blog. We have lots in common.I am totally tickled that you said hello, I am a huge fan of Suzy Zoo.Hope you have a fabulous week.
Thanks for the wishes! Sending you roses and bubbles on this beautiful morning....
Thanks - to you as well ! Please follow my blog - I follow back!
Thank you!! Hope you have a great week too!
Thank you Redhead Riter... you have a great week too!
Hi there. Thanks a lot for welcoming me. I really appreciate that. I did check out your blog. I like it because you have so many different things to offer your readers. If you have some time, please check out my blog and let me know what you think (www.heelthysole.com). I'm new at blogging, so I'm still learning.
Thanks again for reaching out!
Thank you so much for the welcome! Great blog you have, I must try the linky!
Welcome! I'm going to go check out your blog and follow it. My blog is http://faithpassionbusiness.blogspot.com
Thanks so much for the warm welcome!
Thanks for the welcome and I love your website.
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Thank you for the welcome!
Hi, thanks for stopping by, heading over to check out your page.
Thank you!!


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Phataginus tetradactyla
|Scope: Global
Language: English
|Scientific Name:
|Phataginus tetradactyla (Linnaeus, 1766)
Common Name(s):
Manis tetradactyla Linnaeus, 1766
Uromanis tetradactyla (Linnaeus, 1766)
|Taxonomic Source(s):
|Gaudin, T.J., Emry, R.J. and Wible, J.R. 2009. The phylogeny of living and extinct pangolins (Mammalia, Pholidota) and associated taxa: A morphology based analysis. Journal of Mammalian Evolution 16: 235-305.
|Taxonomic Notes:
|Included in Manis by some authors (with Uromanis usually considered a subgenus) and referred to Uromanis by McKenna and Bell (1997). It is here assigned to the genus Phataginus, following Gaudin et al. (2009) and Grubb et al. (1998).
|Red List Category & Criteria:
|Vulnerable A4d ver 3.1
|Year Published:
|Date Assessed:
|Waterman, C., Pietersen, D., Soewu, D., Hywood, L. & Rankin, P.
|Hoffmann, M.
|Hoffmann, M.
This species is projected to undergo a population decline of at least 30-40% over a 21 year period (seven years past, 14 years future; generation length estimated at seven years), primarily as a result of increased exploitation for local and international trade. True rates of decline are imperfectly known, and may well be slightly below the 30% threshold (in which case Near Threatened would be more appropriate), although it is unlikely that declines would exceed 50%. The assessors have chosen to take a precautionary approach in listing the species as Vulnerable, under criteria A4d; although levels of local and international trade are currently unquantified, Phataginus tetradactyla is being reported with increasing frequency in bushmeat markets in Nigeria, suggesting an increasing reliance on this species (D. Soewu pers. comm. 2013). Habitat destruction is opening up previously inaccessible habitats to hunting expeditions and, following the precipitous decline in the Asian pangolin populations, increased intercontinental trade in this species to Asian markets is also highly probable. This is driven by high demands in the region, in particular China, and the growing economic ties between Africa and China (Challender and Hywood 2012). This species' generally low encounter rates and specialized habitat requirements are suspected to reflect generally low population densities and hence a greater proportional loss to the population of traded individuals when compared to P. tricuspis.
|Previously published Red List assessments:
|Range Description:
|This species occurs in the forested regions of West and Central Africa from Sierra Leone eastwards through south-eastern Guinea, Liberia, Côte d'Ivoire and southwest Ghana, there being an apparent gap in distribution until west Nigeria. Its presence in Nigeria is probably underestimated because of possible confusion with the White-bellied Pangolin (Angelici et al. 1999, Kingdon and Hoffmann 2013). The species then occurs eastwards through southern Cameroon, and much of the Congo Basin forest block to the Semliki valley (and thus, just possibly, into Uganda). Its presence in Cabinda (Angola) is possible (Kingdon and Hoffmann 2013).
|Countries occurrence:
Native:Cameroon; Central African Republic; Congo; Congo, The Democratic Republic of the; Côte d'Ivoire; Equatorial Guinea (Equatorial Guinea (mainland)); Gabon; Ghana; Liberia; Nigeria; Sierra Leone
|Additional data:
|Range Map:
|Click here to open the map viewer and explore range.
|There are no quantitative data available on densities or abundance. This is the least frequently recorded of all African pangolin species, possibly reflecting its occurrence in little-penetrated habitats or reflecting its rare nature and low densities.
|Current Population Trend:
|Additional data:
|Habitat and Ecology:
|This is the most arboreal of the African pangolin species, found in riverine and swamp forests typically dominated by palms (including rattans) and specialized swamp trees such as Uapaca, Pseudospondis and Mitragina. Its distribution is very localized, and the animals are never far from permanent water and water courses (Gaubert 2011, Kingdon and Hoffmann 2013). In SE Nigeria, it has been recorded in primary and secondary rainforests, in altered forests (bush), swamp forests, and in farmlands (agricultural areas of former lowland rainforests) (Angelici et al. 1999). Individuals sleep in tree hollows or hollowed-out insect nests, and feed on ants and termites that live in tree tops above the flood-line. The gestation period is about 140 days, after which the female gives birth to a single young. Breeding is believed to be aseasonal and almost continuous (Kingdon and Hoffmann 2013).
|Continuing decline in area, extent and/or quality of habitat:
|Generation Length (years):
|Use and Trade:
This species is hunted for its meat, which is either consumed or traded, and for its scales, which are used for cultural and ethno-medicinal purposes, including in traditional African medicine, muti or juju (e.g. Bräutigam et al. 1994).
There is increasing evidence of intercontinental trade in this species. In June 2008 five specimens of Phataginus tetradactyla originating from the Central African Republic were seized in Paris (Chaber et al. 2010).
|Major Threat(s):
This species is threatened by hunting for the local, and increasingly international, traditional medicine and bushmeat markets. Although historically less frequently encountered than the White-bellied Pangolin Phataginus tricuspis and Giant Ground Pangolin Smutsia gigantea, recent increases in the numbers of Back-bellied Pangolins in Nigerian bushmeat markets suggest an increasing reliance on this species to satisfy local demand (D. Soewu pers. comm. 2013).The species has been reported in international trade (Bräutigam et al. 1994, Chaber et al. 2010). According to CITES trade reports for the period 1996-2011, trade in live animals, specimens or skins is reported in nearly every year, with 40 specimens exported from the Central African Republic in 2000 (www.cites.org). As with other African pangolin species, exploitation of Back-bellied Pangolins for Asian markets is believed to be increasing (Challender and Hywood 2012).
Habitat loss and degradation probably also pose significant threats to the species. Regular oil spillages, especially in Nigeria and other oil-producing countries, result in habitat degradation and may directly affect Black-bellied Pangolin populations (D. Soewu pers. comm. 2013).
|Conservation Actions:
This species is present in a number of protected areas (e.g. Ituri Forest Reserve, Dzanga-Sangha National Park in the Central African Republic). While it is listed on Appendix II of CITES, there is a need to develop and enforce protective legislation in many range states. Research into the population status and trends of this little-known species and an assessment of its ability to withstand current levels of hunting pressure are needed.
Research on inter-continental trade is urgently required, given the probably increasing magnitude of this threat following the precipitous decline in Asian pangolin populations. This is driven by demand in Asia, in particular China, and the growing economic ties between Africa and China (Challender and Hywood 2012).
|Waterman, C., Pietersen, D., Soewu, D., Hywood, L. & Rankin, P. 2014. Phataginus tetradactyla. The IUCN Red List of Threatened Species 2014: e.T12766A45222929. . Downloaded on 18 September 2018.
|To make use of this information, please check the <Terms of Use>.
|If you see any errors or have any questions or suggestions on what is shown on this page, please provide us with feedback so that we can correct or extend the information provided


text:
Despite an order last month from the Federal Deposit Insurance Corp. to its 7,241 member banks to stop using its name on any fees charged to business account holders, many banks continue flouting the instructions and are socking businesses with extra charges, McClatchy has found.
By using the agency name in charging an "FDIC assessment" or fee, banks mislead customers into thinking that the agency charges depositors for deposit insurance, or that the financial institutions are simply collecting and passing through a government fee.
Although the practice is prohibited, McClatchy's investigation found that it remains common, with some banks in most communities where McClatchy publishes hitting businesses with such improperly labeled fees.
The so-called FDIC fees appear to be imposed mostly on non-interest bearing accounts that belong to businesses. These are the job creators in today's political speak, and banks are hitting them with fees on accounts used for payroll and cash-flow purposes. These accounts enjoy unlimited FDIC insurance under a special program that expires this year.
The expiration and the improperly labeled fees grow out of the 2010 revamp of financial regulation, shorthanded as the Dodd-Frank Act, in which banks were forced to hold more capital to protect against losses and the FDIC increased what it charges the banks for providing deposit insurance. The insurance protects account holders in the event of a bank run or a bank failure.
The FDIC adopted the rule that finalized the changes in February 2011, and the new rates charged to banks began last year on April 1. Since then, some banks have passed along these costs to unwitting business customers, burying the fees in the footnotes and fine print of fee disclosures that often are unavailable to the general public.
The FDIC, a quasi-governmental agency that insures more than $10 trillion in bank deposits, sent a letter July 9 to banks across the nation in response to complaints from businesses about such fees. The letter provided regulatory guidance to the banks and spelled out the regulator's concerns about and expectations for them. Banks can recoup their regulatory costs, but they can't use the FDIC name in doing so.The FDIC does not charge bank customers for deposit insurance, Mark Pearce, the FDIC's director of depositor protection, said in the letter. "Thus, it is inaccurate, and therefore misleading . . . to state or imply that a particular fee charged to a customer is required by the FDIC or to refer customers to the FDIC for an explanation of the fee," the letter said.
Yet more than a year after the new rules took effect and six weeks after the FDIC's warning letter, the improperly named fees continue.
Citibank, which required the largest taxpayer bailout in the 2008 financial crisis, explains in a footnote on its schedule of fees for business accounts in the nation's capital and surrounding states that it charges an "FDIC insurance fee" at an annual rate of 13 cents per $100.
Miami-based BankUnited boasts on its website that it offers customers "Banking without the BS*" and that it's a "BS* Free Zone." But in the fine print of the lender's fee schedule, there's a stinker.
"For some business accounts, we may charge a Federal Deposit Insurance Corporation ('FDIC') assessment based upon the assessment rate the FDIC charges us. The FDIC assessment may include deposit insurance charges and other fees, charges and assessments provided by law," BankUnited explained, ending with a humdinger: "We generally calculate the FDIC assessment using the same calculation method used by the FDIC, however, we may use another method to calculate the assessment. The assessment rate is variable. We may change it at any time without notice."
Contacted about the improperly labeled fee, BankUnited said it would investigate the matter.
"This matter is currently under review," said Mary Harris, the bank's senior vice president for marketing.
However, that BankUnited tells customers it generally calculates the fee using the same calculation as the FDIC is a big problem for the agency. It warned in the July letter that banks may be indirectly revealing information used to determine a bank's confidential supervisory ratings, something that could land them in hot water with regulators. Regulatory information is confidential to protect against bank runs and market manipulation by investors.
"In some cases some of them went into extreme detail in providing a detailed calculation of how it was done. If you give them (customers) the exact calculation . . . they could determine the risk rating of the institution," James Deveney, the head of the deposit insurance section in the FDIC's division of depositor protection, said in an interview. He declined to discuss specific banks.
Under the 2010 Dodd-Frank Act, the FDIC redefined the base on which it assesses banks for deposit insurance and in April 2011 it introduced a new assessment-rate schedule for reviewing the risk factors it uses to level the deposit insurance charges. It also changed the method of pricing of deposit insurance for the largest banks – whose failure puts the entire financial system at risk – and raised its cost.
McClatchy's investigation found numerous banks in communities where it owns newspapers hitting customers with fees that sound as if they're government-mandated.
River City Bank, in California's capital city of Sacramento, boasts that it's the region's premier business bank. It charges its "FDIC Assessment" under miscellaneous fees, describing it as a variable rate applied to the average monthly ledger balance.
Contacted by McClatchy, River City's compliance manager, Tim Angello, acknowledged that the fee "appeared to be in conflict with this (FDIC) guidance" and said the matter was now under review and the fee likely to be scrapped.
"It's going to go by the wayside. There is no need to continue charging a fee that might mislead our customers," he said. "We're making the necessary changes to the fee schedules that we post online within the next few months, if not sooner."
At Columbia Bank, near Bellingham, Wash., the fee schedule includes "FDIC Insurance" at a cost of 13 cents per $1,000. City National Bank of Florida said in its disclosure that it collects a variable "Federal Deposit Insurance Corporation Assessment." A bank spokesman said the disclosure was an error. "We do not charge and have not charged any FDIC pass-through fees to our clients," said Eddie Dominguez, a bank senior vice president.
In Texas, Frost National warns of an FDIC assessment in its fee schedule, noting in a footnote that the FDIC assesses an insurance premium for all depository accounts and that its customers with the affected accounts "receive a monthly pass through allocation of the assessment for FDIC insurance based on rates set by the FDIC."
In North Carolina, Yadkin Valley Bank and Trust in the Charlotte area notes that it charges for FDIC insurance on commercial checking at a rate of 10 cents per $1,000. Bank of America doesn't charge any such deposit insurance fees, although another big Southern bank, BB&T, does so at a rate of $0.1333 per $1,000, and Georgia's Regions Bank charges a sliding FDIC fee based on ledger balances.
Capitol City Bank, which is headquartered in Atlanta, boldly states that, "In the event of changes in the FDIC assessment set by the Federal Government, Capitol City Bank & Trust Company may increase or decrease this (FDIC Insurance) fee."
Consumer advocates were troubled by the findings of the McClatchy investigation, although not surprised. Business owners, they said, should review their bank fees and raise the issue if necessary.
"They call it an FDIC fee and they tuck it away. It's a faithful reflection of what they actually pay the FDIC, but it's never in an account holder's interest to be subjected to junk fees, and if you have a significant amount of deposits there it wouldn't hurt to point out that you are prepared to take your business elsewhere unless they eliminate it," said Joe Ridout, the manager of consumer services for the national advocacy group Consumer Action.
A revamp in 2009 of regulations that govern many consumer credit card fees, called the CARD Act, didn't affect how banks can charge fees to commercial customers, Ridout said. For credit cards and checking accounts, banks have more leeway on fees, he said.
How prevalent is the problem is of improper FDIC fees? It remains difficult to gauge because so few banks publish schedules of their fees online. It's not much better even when you walk in and ask for a schedule of fees for business accounts.
At a Bank of America branch in the nation's capital, it took several employees to dig up a hard copy of a fee schedule.
Sometimes the response to a request for a fee schedule was comical. At a branch of Capital One Bank in the nation's capital, the bank whose TV ads ask "what's in your wallet," a McClatchy reporter was provided an account disclosure form and told there was nothing else available.
That disclosure form was silent on the fees but warned potential business account customers that additional fees may apply and instructed them to "refer to a current Schedule of Fees and Charges available upon request at any of our banking offices." That's the same one that McClatchy was told was unavailable.
At a PNC Bank branch in Rehoboth Beach, Del., McClatchy was told that the fee schedule is shared only when a customer is opening an account. However, at another branch of the Pittsburgh-based bank in the nation's capital, an employee printed a schedule of fees and it didn't include an improper FDIC fee.
None of this surprises Ed Mierzwinski. He heads consumer programs for the advocacy group US PIRG, an organization that since 1997 has done secret shopper tests of fee disclosures for consumer bank accounts. While unaware of any restrictions on junk fees for business accounts, Mierzwinski said banks often flouted laws, some enacted as long ago as 1991 after similarly misleading fees on consumer checking were rife, that required fee disclosure to consumers.
"Routinely, one-quarter of branches do not provide fee disclosures provided by law," he said of his group's annual secret-shopper research. "In our current research we are finding that banks sometimes put the information online, but not often. The short version is you are right: It is nearly impossible to compare bank fees, because banks make it virtually impossible to find their bank fees."
Kaz Komolafe contributed to this article.


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CAMBRIDGE, UK and IRVINE, CA, Sept 28, 2009 – ARM [(LSE:ARM); (Nasdaq:ARMH)] , and Broadcom Corporation (Nasdaq: BRCM), a global leader in semiconductors for wired and wireless communications, today announced that they have signed a major licensing agreement for the ARM® Cortex™ -A9 MPCore™ multicore processor. Broadcom intends to target the technology towards next-generation mobile, wireless and other consumer electronics applications.
In addition to the Cortex-A9 processor, the agreement included ARM NEON™ SIMD (Single Instruction, Multiple Data) technology for the ARM Cortex-A series processors, designed to provide acceleration for advanced, feature-rich multimedia, gaming and compute intensive applications.
"This licensing agreement extends our ARM processor portfolio. The flexibility and scalability of the Cortex-A9 processor enables us to optimize development costs by addressing the requirements of wireless applications from a common core platform," said Nambi Seshadri, VP and CTO, Mobile Platforms and Wireless Connectivity Division, Broadcom Corporation.
"This latest agreement with a recognized market leader in wireless system integration demonstrates the continued market momentum for the ARM Cortex-A9 processor and ARM multicore technology," said Mike Inglis, EVP and general manager, Processor Division, ARM. "By leveraging the performance and power efficiency benefits of the Cortex family of processors along with the other advanced ARM technology, Broadcom can offer feature-rich, future proof solutions for every segment of the wireless market."The ARM Cortex-A9 MPCore processor's scalable performance enables developers to exceed the performance of today's high-performance embedded devices while consuming significantly less power. In addition, the Cortex-A9 processor features power management features including adaptive gating, dynamic voltage and frequency scaling and the ability for each core to go independently into standby, dormant or power-off energy management states, providing control over the dynamic as well as the static energy consumed by both the processor and memories.
The Cortex-A9 MPCore processor can contain up to four independently configured, but fully coherent cores carrying out multiple tasks on each one in parallel. However since any complexity is hidden in hardware, the processor can be programmed as easily as a single core processor by utilizing one of the many SMP-aware operating systems.
A single core Cortex-A9 processor is capable of delivering 2x the performance of today's smartphone processors and the ARM MPCore technology scales that performance even further. A four-CPU Cortex-A9 processor cluster is capable of delivering an unprecedented 10,000 aggregate DMIPS when clocked at 1GHz. To simplify and broaden the adoption of multicore solutions, the Cortex-A9 processor supports system-level coherence with accelerators and DMA to increase performance and reduce power consumption at the system level.
About ARM
ARM designs the technology that lies at the heart of advanced digital products, from wireless, networking and consumer entertainment solutions to imaging, automotive, security and storage devices. ARM's comprehensive product offering includes 32-bit RISC microprocessors, graphics processors, video engines, enabling software, cell libraries, embedded memories, high-speed connectivity products, peripherals and development tools. Combined with comprehensive design services, training, support and maintenance, and the company's broad Partner community, they provide a total system solution that offers a fast, reliable path to market for leading electronics companies. More information on ARM is available at http://www.arm.com.
About Broadcom
Broadcom Corporation is a major technology innovator and global leader in semiconductors for wired and wireless communications. Broadcom® products enable the delivery of voice, video, data and multimedia to and throughout the home, the office and the mobile environment. We provide the industry's broadest portfolio of state-of-the-art, system-on-a-chip and software solutions to manufacturers of computing and networking equipment, digital entertainment and broadband access products, and mobile devices. These solutions support our core mission: Connecting everything®.
Broadcom is one of the world's largest fabless semiconductor companies, with 2008 revenue of $4.66 billion, holds over 3,300 U.S. and over 1,300 foreign patents, and has more than 7,500 additional pending patent applications, and one of the broadest intellectual property portfolios addressing both wired and wireless transmission of voice, video, data and multimedia.
A FORTUNE 500® company, Broadcom is headquartered in Irvine, Calif., and has offices and research facilities in North America, Asia and Europe. Broadcom may be contacted at +1.949.926.5000 or at www.broadcom.com.
Cautions regarding Forward Looking Statements:
All statements included or incorporated by reference in this release, other than statements or characterizations of historical fact, are forward-looking statements. These forward-looking statements are based on ARM's and Broadcom's current expectations, estimates and projections about their respective businesses, respective management's beliefs, and certain assumptions made by ARM and Broadcom, all of which are subject to change. Forward-looking statements can often be identified by words such as "anticipates," "expects," "intends," "plans," "predicts," "believes," "seeks," "estimates," "may," "will," "should," "would," "could," "potential," "continue," "ongoing," similar expressions, and variations or negatives of these words. Examples of such forward-looking statements include, but are not limited to, references to future uses of the technology. These forward-looking statements are not guarantees of future results and are subject to risks, uncertainties and assumptions that could cause actual results to differ materially and adversely from those expressed in any forward-looking statement.
Important factors that may cause such a difference for Broadcom include, but are not limited to the list that can be found at http://www.broadcom.com/press/additional_risk_factors/Q22009.php.
Broadcom's Annual Report on Form 10-K, subsequent Quarterly Reports on Form 10-Q, recent Current Reports on Form 8-K, and other Securities and Exchange Commission filings discuss important risk factors that could contribute to such differences or otherwise affect Broadcom's business, results of operations and financial condition. The forward-looking statements in this release speak only as of this date. Broadcom undertakes no obligation to revise or update publicly any forward-looking statement, except as required by law.
ARM and ARM Powered are registered trademarks of ARM Limited. Cortex, NEON and MPCore are trademarks of ARM Limited. All other brands or product names are the property of their respective holders. "ARM" is used to represent ARM Holdings plc; its operating company ARM Limited; and the regional subsidiaries ARM Inc.; ARM KK; ARM Korea Limited.; ARM Taiwan Limited; ARM France SAS; ARM Consulting (Shanghai) Co. Ltd.; ARM Belgium N.V.; ARM Germany GmbH; ARM Embedded Technologies Pvt. Ltd.; ARM Norway, AS and ARM Sweden AB." Broadcom®, the pulse logo, Connecting everything®, and the Connecting everything logo are among the trademarks of Broadcom Corporation and/or its affiliates in the United States, certain other countries and/or the EU. Any other trademarks or trade names mentioned are the property of their respective owners.
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Tempi modernissimi
Like Tempi Moderni on the South Face of the Marmolada, Tempi Modernissimi on the Sasso delle Undici indicated where the new challenges lay, proving it possible to climb apparently impossible, blank faces.
First climbed by the duo Heinz Mariacher and Luisa Iovane at the end of the eighties, it is still considered one of the earliest extreme alpine routes. Opened from the ground-up using bolts, the route follows a line of smooth pocketed slabs and bulges, similar to those on the South Face, with difficulties up to 7c+.
Take the motorway A22 Modena-Brennero and exit, after Bolzano, at Ora. Drive up the Val di Fiemme to Predazzo, then up the Val di Fassa to Canazei. Continue on up to Passo Fedaia.
Sasso delle Undici is clearly visible from Passo Fedaia on the North Face of the Marmolada. Leave the car at the pass and walk up the piste, and leave this at the height of the Sasso, following scree and limestone slabs right to the base of the enormous pillar. Climb up the short pedestal from the left over a series of small scree-filled ledges. The start of the route is the obvious open V, with two small caves on either side. Take care: the route described here heads off vertically using the old Cassin bolts. Do not get confused by other nearby lines.
Abseil down the route. All belays in-situ.
12 quickdraws, a set of friends and tricams, skyhook and two 60 m ropes.
The grades indicated on the topo are in line with those already published in the Marmolada guidebooks by Maurizio Giordani and Heinz Mariacher.


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By Dan Levine
SAN FRANCISCO (Reuters) - The U.S. Department of Justice sued California's corrections system on Thursday, saying prison supervisors failed to prevent a male cook from being sexually harassed by his female co-worker.
Joe Cummings started working as a cook in 2007 at a youth correctional facility in Chino, California, according to the lawsuit. The following year, another cook began to use sexual innuendos and repeatedly asked him "what it would take" for him to have sex with her, the suit says.
She later confronted him in a stairwell with her blouse unbuttoned and propositioned him. Cummings complained to his supervisors and despite an internal investigation the female cook was not disciplined, according to the suit.
The suit is the latest in a series of woes facing the California corrections system, whose state prisons are under court orders to reduce overcrowding and have been plagued by hunger strikes and occasional violence.
Representatives for the California Department of Corrections and Rehabilitation could not immediately comment on Thursday about the lawsuit.
The female cook was later terminated for bringing contraband into the facility, the suit says. The Justice Department is seeking damages for Cummings and an order to the corrections department to modify its sexual harassment policies.
(Editing by Cynthia Johnston and Cynthia Osterman)


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In general, US dollars, euros, pounds sterling and Swiss francs are the most easily exchanged currencies in Europe. You lose out through commissions and customer exchange rates every time you change money, so if you only visit Hungary, for example, you may be better off buying forints straight away if your bank at home can provide them.
Nearly all European currencies are fully convertible, but you may have trouble exchanging some of the lesser known ones at small banks. The importation and exportation of certain currencies (eg Cypriot pounds) is restricted or banned entirely so get rid of any local currency before you leave the country. Also try not to have too many leftover Bulgarian leva, Estonian kroons, Serbian dinar etc, as it can be difficult to change them back into hard currency. Get rid of Scottish and Northern Irish pounds before leaving the UK; nobody outside Britain will touch them.
Since 1 January 2002 Europe's new currency, the euro, has been legal tender – but not in all European countries .While Britain, Denmark, Sweden, Greece and the new EU countries have not yet joined, the other 11 EU countries (Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain and Slovenia from January 2007) have one common currency, the euro.


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(Photo courtesy of Josh Hedges/Getty Images.)
If you dropped upwards of $50 on UFC 163 last night, you're probably pretty frustrated right about now. This isn't to say that UFC 163 was the worst pay-per-view in recent memory – although it certainly wasn't the best – but that it failed to meet expectations across the board. The main event saw a fairly solid fight end early after the challenger, Chang Sung Jung, dislocated his shoulder and the champion, Jose Aldo, took advantage of that fact in brutal fashion. Meanwhile, in the co-main event, Lyoto Machida somehow managed to lose to Phil Davis despite landing harder, cleaner strikes, more strikes overall, dictating the exchanges, taking virtually no damage, stuffing 80% of Davis' takedowns, and being better by virtually any acceptable metric. And while there were some bright spots from the other fights, it just wasn't enough to overshadow that feeling that what should have been simply wasn't in the fights we really cared about.
The main event itself, in a way, was hampered from the get-go. In the first round the Korean Zombie checked an Aldo leg kick, possibly breaking Aldo's right foot. As a result, the champion was forced to call upon his other weapons. In particular, he favored the jab he developed prior to his last fight against Frankie Edgar. Because he's an exceptional fighter, Aldo was able to still take the fight to Jung without his primary weapon, but began to slow in the third. Whether that's because Aldo is getting too large for the division and was fatigued from cutting weight or because fighting on a broken foot kind of sucks, I don't know. But Jung began to gain some momentum heading into the fourth round. There, as he threw a right cross, Aldo countered with a left hook over Jung's outstretched arm. As Jung's arm was exposed to the awkward momentum generated from colliding with Aldo's hook, his shoulder dislocated. The Korean Zombie gritted his teeth and tried to pop the arm back in, but Aldo smelled blood, took him down, and unloaded with ground and pound. While it may not have been enough to stop a fight against a healthy Jung, Herb Dean noticed Jung was unable to defend himself and stopped it.
Messy as it was, at least the main event had a definitive finish. I'm not sure what more can be said about Phil Davis' "win" over Lyoto Machida that hasn't already be said. Virtually every media observer scored the fight 30-27 for Machida. Some will argue that Machida "didn't do enough," which is ridiculous. By any standard – if you argue Davis landed more takedowns, it could be argued stuffing eight as opposed to allowing two inconsequential ones is more significant – he did more than Phil Davis. There really isn't any room for debate here. People will toss around the phrase "don't leave it up to the judges," or some variation thereof, which is an exceptionally stupid reaction to have. Fights go to the judges. When they do, the judges ought to be able to score them competently. If they can't, they shouldn't judge fights. Simple as that. Machida isn't under obligation to change his style; whether or not it requires patience to appreciate, it's undeniably effective. Unfortunately, in MMA, effectiveness doesn't always beat incompetence.
With all that said, there were some legitimate bright spots on the rest of the card. Anthony Perosh had a stunning 14-second knockout of Vinny Magalhaes. I'm not really sure if this is a bright spot considering Magalhaes is a much more interesting fighter than the 40 year-old Perosh, and he'll probably end up cut because of this, but it was a shocking, exciting finish nonetheless. Ian McCall got back on the winning track with a Fight of The Night performance against Iliarde Santos. And John Lineker made a big entrance into the UFC flyweight division (OK, catchweight division) with a vicious TKO of Jose Maria Tome. Don't be surprised to see Lineker get fast tracked to a title shot against Mighty Mouse with another win or two, assuming he can make the weight; the man has legitimately earned his nickname "Hands of Stone." (Sorry Sam Stout. "Hands of Polyester" is still available, though!)
Still, it wasn't enough to make up for what could have – or what should have – been. Aldo will hopefully move up in weight after this and, as much as I feel bad for poor T.J. Grant, get an immediate title shot. Hopefully against Anthony Pettis. For Jung, he'll have to work his way back into contention. Assuming he recovers well, that shouldn't be too hard, although I can't say I'd favor him against Frankie Edgar. As for Phil Davis, I doubt this performance will land him a title shot, especially as Daniel Cormier looks to drop down to 205 after his fight with Roy Nelson. Machida deserves a rematch, but he won't get one. Regardless of how effective, intelligent and even artful his style is, most fans just don't have the patience for it. And unfortunately, it appears some judges don't as well.
Full Results:
Main Card
Jose Aldo def. Chan Sung Jung via TKO (punches), 2:00 of Round Four
Phil Davis def. Lyoto Machida via Unanimous Decision
Cezar Ferreira def. Thiago Santos via Submission (guillotine choke), 0:47 of Round One
Thales Leites def. Tom Watson Unanimous Decision
John Lineker def. José Maria via TKO (punches), 1:03 of Round Two
Preliminary Card
Anthony Perosh def. Vinny Magalhães via KO (punches), 0:14 of Round One
Amanda Nunes def. Sheila Gaff via TKO (elbows), 2:08 of Round One
Sergio Moraes def. Neil Magny via Submission (triangle choke), 3:13 of Round One
Ian McCall def. Iliarde Santos via Unanimous Decision
Rani Yahya def. Josh Clopton via Unanimous Decision
Francimar Barroso def. Ednaldo Oliveira Unanimous Decision
Viscardi Andrade def. Bristol Marunde via TKO (punches), 1:36 of Round One


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Skip to comments.Obama Is A Disaster, The Market Should Have Fallen 50%, And You Should Buy Yourself A Machine Gun
Posted on 11/07/2012 6:20:29 PM PST by blam
MARC FABER: Obama Is A Disaster, The Stock Market Should Have Fallen 50%, And You Should Buy Yourself A Machine Gun
Joe Weisenthal
Nov. 7, 2012, 6:22 PM
A classic Marc Faber interview on Bloomberg TV.
You can watch the video here.
Here's a partial transcript
Faber on President Obamas reelection:
I am surprised with the reelection of Mr. Obama. The S&P is only down like 30 points. I would have thought that the market on his reelection should be down at least 50%...I think Mr. Obama is a disaster for business and a disaster for the United States. Not that Mr. Romney would be much better, but the Republicans understand the problem of excessive debt better than Mr. Obama who basically doesn't care about piling up debt. You also have in the background Mr. Bernanke, who with artificially low interest rates enables the debt to essentially escalate endlessly.
On where he sees the equity markets given Obamas reelection:
You have offsetting factors. The problem with Mr. Obama is that you get more regulation and its disincentive for businessmen to hire people. You probably also get higher taxes, so in terms of the economy, he is very negative in my view. But you still have Mr. Bernanke, and you still have because of money printing very high corporate earnings. They are now coming down, but they are still at the elevated level. You have money printing supporting the market and on the other hand, you have an economic slowdown globally which will affect earnings negatively. It is difficult to tell where the market will go because we have so much manipulation. I think, minimum, it will drop 20%.
(Excerpt) Read more at businessinsider.com ...
Is Obama more of a curse or a disaster?
The hardest hit State from the drought this past summer was Illinois. Hurricane Sandy smacked right into DC and the area around it. Now we have Nor'easter Athena smacking the NE again. A coincidence? Maybe not.
The Dow Jones industrial average is down 2 percent, putting it on course for one of its worst one-day drops following a U.S. presidential election. The biggest, in 2008, came in the midst of the financial crisis on the day after President Barack Obama won his first term.
Interesting that the MSM states it was the SECOND BIGGEST DROP after an election.
lolol. This is the kind of headline I send to friends for laughs.
For the first time in my life I truly fear for my children's future. The takers are now fully in charge and I fear this was the tipping point.
I hope my attitude changes in the coming months.
God bless the late great USA.
Today I closed my account at E trade, and canceled my subscription to the WSJ.
Today Republicans/Conservatives need to run away and turn off Hannity, O'Reilly, Morris, Coulter, and Huckabee and run with the Glenn Beck crowd...at least they aren't as off the hinge YET as the Alex Jones crowd.
Run from Rove, Fox News, and the establishment media.
Stick with Mark Levin and Beck. They are the only 2 left who will tell us the truth.
Maybe this will help. (Read the comments.)
I bought another handgun today. S&W Plum cute.
I could not agree more. I have Dish and had only Beck on today. No FOX. I am done. Levin and Beck. By the way, I am John Galt.
The crows can have the rest.
Correct. The investment plans that Beck is now pushing ahead on a year early will be over an estimated 7 million out of pocket. He mentioned his international set up which will run 4 million a year...3 million for the other projects.
He really needs to reach out to Dennis Miller to broadcast his radio show on there as well and air it later in the day or night. Bring in Hollywood investors like Voight, Robert Duvall, Eastwood, Ted Nugent, Trace Adkins, Kelsey Grammer etc...he said he is opening up a slot for a limited amount of investors in the network and refuses to have The Blaze in any debt at all. Also, NO blog style news aggregation...real hard news division.
It's exciting.
He said he also needs to double up yearly memberships on The Blaze to be able to afford to do half of the projects he has on the table in planning stages.
Very exciting. Your ideas are great. Send them to him. I am doing my part. I became an internet member of the Blaze back when he started his network. I am now paying a little extra to Dish for his network, totally worth it.
But I retained my monthly membership for the on line version to help him out.
I had America's Top 250 anyway so I get him on Dish without having to do the upgrade. I know he is ready to unleash 3 new programs in December to add to the line up which will be refreshing...it is in total start up mode as you can see. Last night was so minor league but I give him and the crew all the credit for doing it at all.
I believe you will find people running from Fox News to The Blaze as well as soon as he hits cable which is scheduled for Jan and February.
I was not a paid Blaze member but I will go over and join tonight and do my part as well. I would rather support places and people like FR and Beck than anything the GOP or anyone else is pushing. I am not even supporting the Tea Party Express any longer. Freedom Works will get my dollars.
Boy, you and I are right on the money. It is only 9.95 for the web Blaze membership. I kept it on The Blaze all night last night, not one minute of FOX. I also contributed a good amount to Freedom Works, they are doing really good work. I am also going Galt. No extra shopping for anything. We are not purchasing gifts for Christmas. Family gatherings and church.
I am not helping this douchebag in the WH with the economy, no way.
LOL! Thanks, blam, for the funniest title that I've read in some time.
There are things to buy for protection, guns work if you think we're in for civil war.
If you understand the war we're in globally is slavists vs freedom, and the way your wealth wlll be stolen is inflation, there are 2 stores of wealth. (gold/silver/platinum), silver is a better longer term bet as it has a higher industrial demand, or raw land. Both types are inflation protected over the long term. being non fiat currency assets with low inventory increase possibilities, the supply demand curve opportunities are favorable. I personally don't like metals, easily stolen, and if any gov gets a clue, there is a high prob of extreme volatility to the down side.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Travis Goodman - 2004 Theatre Alumnus
Travis is a working actor in Los Angeles where he has made appearances in multiple television shows as well as starred in 12 plays, over 40 short films and 1 feature film. He is a proud member of Actors' Equity and SAG-AFTRA.
Currently, he's building a small production company, Nacho Cosmo Productions, with his wife, Katie, in order to create and produce their own content. Although they're beginning with smaller productions they will eventually move into doing feature films that they are currently developing.
"I can honestly say that I wouldn't be an artist today if it wasn't for Adams State. I was lost and my future was uncertain before I met Dr. Taylor and Dr. Newman. I was dangerously close to dropping out of college when I met Dr. Taylor and he invited me into the family that is the Adams State Theatre. Because of their guidance and tutelage I have become the artist I am today.
I may not have known it at the time, but Adams State has given me a base to become something that is more and more important to me as I get older. That is to be a real 'actor's actor.' I'm very proud to say that I know the history of what we do, that I've read (and continue to read) classic pieces of theatre from the Greeks to Tennessee Williams as well as new works, that I've studied many different approaches to the craft, that I help build the sets I perform on and that I'm well rounded enough to work both on the stage and behind the curtain as well as on and off camera. Adams State started me on my journey and I continue to this day learning and growing along the path I've chosen."
– Travis Goodman


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Bailey Fairbanks Hat
Code: 7008
Product Description
The Bailey Fairbanks is an outdoorsy shape in water-resistant, 100% Wool Felt. Large sizes rest easy- this hat has the feature of coming in XXXL! (Comes in smaller sizes, too, of course.) Soft, packable and crushable. It has a slim hat band and a Bailey metal pin on the left hand side. Brim: 2 1/2"
REVIEW SNAPSHOT®by Bazaarvoice Express
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(1 of 1 customers found this review helpful)
Great Hat
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from Northwest Indiana
About Me Casual Dresser, Comfort-oriented
Best Uses
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Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
Just an Excellent Hat by Bailey!
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By Elizabeth Kelley Gillogly '93. In his latest series, Howard Anderson '71 created paintings of the 21 California missions.
By Tom Beaudoin. Is it possible to turn our gift giving into a spiritual exercise?
By Susan Shea. Arizona Governor Janet Napolitano '79, a rising political star, uses the lessons learned at SCU to serve her state.
By Jane Curry. An SCU professor and Fulbright Scholar researches forgiveness and justice in post-communist Poland.
Read the text of a speech by former eight-term congressman and White House chief of staff Leon Panetta '60, J.D. '63, the keynote speaker at a clergy abuse conference held recently at SCU.


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The MS in Electrical Engineering degree program provides intensive preparation for professional practice in a broad spectrum of high-tech areas of electrical engineering. It is designed to serve the needs of engineers who wish to continue their education. Courses are offered at times and locations convenient for students who are employed full-time at area companies.
Interdisciplinary graduate degrees are offered in both telecommunications engineering and computer engineering.
School: Erik Jonsson School of Engineering and Computer Science
Program: Electrical Engineering
Catalog page: MSEE
Degree requirements: Bachelor's degree or equivalent in electrical engineering from an accredited engineering program
GPA: Minimum of 3.0 on a 4.0 scale
Test score required: Yes
Minimum revised GRE scores of 154, 156, and 4 for the verbal, quantitative, and analytical writing components, respectively, are advisable.
Letters of recommendation: Required
Applicants must submit three letters of recommendation from individuals who can judge the candidate's probability of success in graduate school. Use the electronic request form in the graduate application to submit the letters. Contact the graduate academic program department if you have any questions.
Deadlines: University deadlines apply.
Marco Tacca (EE Graduate Advisor)
Office - ECSN 3.522
Randall E. Lehmann
EE Graduate Advisor
Office - ECSN 4.616
P. K. Rajasekaran
EE Graduate Advisor
Office - ECSN 4.922
Patricia Williams
Graduate Program Information
Office - ECSN 4.522
Graduates of the program seek positions such as: Electrical Engineer, Electrical Design Engineer, Biomedical Engineer, Circuits and Design Engineer, Communications and Signal Processing Engineer, Digital Systems Engineer, Systems Engineer and RF and Microwave Engineer.
See Bureau of Labor Statistics for detailed salary information on these careers. Another great resource is the Occupational Outlook Handbook.
|The University of Texas at Dallas | Office of Admission and Enrollment
|[email protected]
|Student Services Bldg | 800 W. Campbell Rd, Richardson, TX 75080-3021


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NASA had a chance to retrieve the school bus-sized satellite that's hurtling toward Earth but passed on the opportunity about 10 years ago, a former NASA scientist said Tuesday.
The Upper Atmosphere Research Satellite, which was carried into orbit during a 1991 space shuttle flight, is expected to re-enter Earth's atmosphere on Friday. While most of the spacecraft will be destroyed, NASA expects roughly two dozen pieces, with a combined weight of 1,100 pounds, to fall on Earth.
UARS, which contains 10 climate monitoring instruments, was built to be retrieved by astronauts and taken back to Earth aboard the space shuttle, said James Russell, a former scientist at Langley Research Center in Hampton.
NASA brass was considering such a mission around 2000 but Russell and other scientists convinced leaders to keep the satellite in orbit because of the data the instruments were gathering.
One of the instruments was the Langley-built HALOE, which tracked chlorine and flourine in Earth's stratosphere. Information collected by HALOE confirmed that the global ban on chlorofluorocarbons — contained in 1987's Montreal Protocol — was helping to slow ozone depletion, said Russell, now a Hampton University professor.
Since being decommissioned in 2005, UARS has been routinely seen by amateur sky watchers due to its size. In 2007, an unknown object collided with the satellite sending several broken pieces flying into orbit. At the time, Russell told the Daily Press he was shocked by the rare event.
NASA officials said there is a one in 3,200 chance that debris from UARS will strike a person — about the same odds that you'll be struck by lightning in your lifetime. The debris will most likely fall into the ocean or on uninhabitated land, which makes up most of Earth.
There have been no reported deaths or injuries from debris from NASA satellites or vehicles, according to NASA.


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The 155th meeting between the Pacific and Fresno State men's basketball programs will feature a reunion of sorts tonight at Save Mart Center.
The 155th meeting between the Pacific and Fresno State men's basketball programs will feature a reunion of sorts tonight at Save Mart Center.
The Bulldogs' starting point guard is redshirt junior Allen Huddleston, who spent two seasons at Pacific before transferring in April 2011. Huddleston was among four Tigers to leave that spring, and it left coach Bob Thomason with a massive rebuilding project that began with an 11-19 finish last season with a brand new roster.
The Tigers (1-0) are hoping for a much better campaign in Thomason's 25th and final season with the program, and the first test of the new season coming at 7 tonight against the Bulldogs (1-1).
Fresno State lost 55-53 to No. 25 Texas last week before getting a 39-30 win over UC Riverside on Wednesday night. This will be Pacific's first game against a Division I opponent, and Thomason said the Tigers will be without junior transfer Aaron Short, who reinjured his previously fractured right foot and could miss the season if he needs surgery.
Thomason and Huddleston had kind words for each other Thursday, but the 21-year-old Merced High product admitted he left Pacific 19 months ago because he felt constrained by the coach's offense.
"I felt it was the best decision for me because the way the coach Thomason likes to play basketball just wasn't for me," Huddleston said. "He did teach me things that stay with me, but I wanted to get out into the open court and use my speed and Coach T likes a halfcourt game on offense and defense."
Thomason recalled Huddleston averaging 16.5 points per game as the starting shooting guard in Pacific's final six games of 2010-11 and still believes Huddleston may have been swept up in Jose Rivera, Chuck Coley and Stephon Lamar leaving at the same time. Huddleston averaged 11.1 points per game for the season.
"Allen is a great young man and I have no regrets about it," Thomason said. "I think he got caught up in the other guys leaving and not thinking about what was best for him. He would have had a lot of shots in our scheme last season and this year."
Huddleston said he wanted to leave the program after his freshman season, but his parents, including Merced College women's coach Allen Huddleston Sr., advised against it and told him to try it for another year. He arrived at the same conclusion after his second season and weighed transferring to Boston College, but ultimately chose Fresno State partially because of its proximity to Merced.
Having settled in with the Bulldogs after sitting out last season, Huddleston is averaging a team-high 13 points a game under coach Rodney Terry. The second-year coach is happy to have him and made the 6-foot-2, 185-pound Huddleston convert to point guard while he sat out last season. Huddleston worked as the backup point guard in practice last season and is still trying to find a balance between scoring and passing.
"We wanted him to facilitate the offense and be a dual threat because we know he can score," Terry said. "Being a coach's son, he really understands the game."
Contact reporter Jagdip Dhillon at (209) 546-8292 or email@example.com.


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FHA Mortgage Loan Basics
Federal Housing Administration (FHA) Background
The Federal Housing Administration (FHA) was established during the Great Depression, and tasked with increasing home construction, reducing unemployment and insuring government loan programs.
FHA offers affordable financing options with low down payment and flexible credit requirements. Their mission is to help borrowers purchase a home that they may not otherwise be able to afford. FHA loans offer favorable loan terms, higher loan limits, 30 year fixed repayment terms and flexible down payment options.
FHA does not provide loan funds
Contrary to popular belief, FHA does not actually provide loan funds. The mortgage is provided by a traditional lender, and FHA insures the loan by giving the lender a guaranty that their investment will not be lost if the borrower defaults. That's why an FHA loan is called a "government-insured" loan.
Since inception, the Federal FHA has insured millions of home mortgages. FHA continues to create home ownership opportunities, and these government-insured loans remain a wonderful option for first-time buyers, credit-compromised buyers, Seniors and those interested in neighborhood revitalization.
Basic FHA Loan Types and Highlights:
Section 203(b) 1-4 units single family loans
- "standard" FHA loan and the largest of FHA's programs
- 1-4 unit properties are eligible
- offers flexible credit requirements
- 3.5% down payment allowed
- down payment may be a gift from specific sources
Section 234(c): Condo loans
- provides mortgage insurance for individual condominium units
- same credit, down payment and limits of the 203(b) loan apply
- condo complexes must be approved through HRAP/DELRAP to be eligible
Section 203(k): Renovation loans, full and Streamlined
- property rehabilitation loan programs
- encourages community and neighborhood revitalization
- only 1 mortgage loan is used for both purchase (or refinance) and renovation
- 1-4 unit properties and condos are eligible; check for manufactured housing eligibility
- required improvements include cost effective energy conservation standards and smoke detectors
- Renovation Consult may be required
Home Equity Conversion Mortgage (HECM): Reverse Mortgage
- FHA was the first to promote reverse mortgages nationally
- allows homeowners to withdraw property's equity with flexible terms
- lump sum, monthly payments, line of credit or a combination available
- limited to homeowners 62 years of age and older
FHA also offers a Streamline Refinance and special loan modification/refinance programs such as the "Making Home Affordable Program."
Page Tags: fha mortgage Danville | fha home loans Danville | fha loans Danville CA


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ORDNING&REDA Online Shop - please choose your country:
Newsletter subscription
Let our ORDNING&REDA® news come to you each month.
Sign up for our monthly newsletter, and you will be among the first to know about new products, special promotions, sales, and more.
Each month ORDNING&REDA® highlights some of our most exciting new products and we'll keep you informed as our new designs are unveiled. You'll also receive notice of special offers and discounts for our online store.


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dislekcia wrote:Really surprised that Half Dragons aren't doing physical damage via knockback, they totally should. Will test that tomorrow.
I had thought that it was intentional based on this update. "All knockback effects, including glyph casts, are now reduced by resistance % to knocker's base damage type." Will be glad to see it changed back to physical.


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|Clinton E. Arnold , Steven M. Baugh , Peter H. Davids , David E. Garland , David W. J. Gill , George H. Guthrie , Moyer V. Hubbard , Andreas J. Kostenberger , Ralph P. Martin , Douglas J. Moo , Mark L. Strauss , Frank S. Thielman , Jeffrey A.D. Weima
|About the Contributor(s)
|Clinton E. Arnold
Clinton E. Arnold (PhD, University of Aberdeen) is Dean and Professor of New Testament at Talbot School of Theology in LaMirada, California.
Steven M. Baugh
S. M. Baugh (PhD, University of California, Irvine) is professor of New Testament at Westminster Seminary in Escondido, California.
Peter H. Davids
Peter H. Davids (PhD, University of Manchester) is visiting professor in Christianity at Houston Baptist University and visiting professor of Bible and applied theology Houston Graduate School of Theology. He is author of numerous books, including Reading Jude with New Eyes, The Epistle of James (NIGTC), The Epistle of 1 Peter (NICNT), James (NIBC), and A Biblical Theology of James, Peter, and Jude. He coedited with Ralph P. Martin The Dictionary of the Latter New Testament and Its Developments.
David E. Garland
David E. Garland (PhD, Southern Baptist Theological Seminary) is William B. Hinson Professor of Christian Scriptures and dean for academic affairs at George W. Truett Seminary, Baylor University. He is the New Testament editor for the revised Expositor's Bible Commentary and the author of various books and commentaries, including Mark and Colossians/Philemon in the NIV Application Commentary, and the article on Mark in the Zondervan Illustrated Bible Backgrounds Commentary. He and his wife, Diana, reside in Waco, Texas.
David W. J. Gill
David W. J. Gill (DPhil, University of Oxford) is sub-dean of the faculty of arts and social studies and senior lecturer in the department of classics and ancient history at University of Wales Swansea, United Kingdom.
George H. Guthrie
George H. Guthrie (PhD, Southwestern Baptist Theological Seminary) serves as the Benjamin W. Perry Professor of Bible at Union University in Jackson, Tennessee. As a specialist in New Testament and Greek, he is the author of numerous articles and four books including the volume Hebrews in the NIV Application Commentary series.
Moyer V. Hubbard
Moyer V. Hubbard (DPhil, University of Oxford) is an assistant professor of New Testament at Talbot School of Theology, Biola University, Los Angeles, California.
Andreas J. Kostenberger
Andreas Köstenberger is Senior Research Professor of New Testament and Biblical Theology at Southeastern Baptist Theological Seminary in Wake Forest, North Carolina. He is the author of numerous works on John, including his commentary in the Baker Exegetical Commentary on the New Testament series, "John" in Commentary on the New Testament Use of the Old Testament, and "John" in Zondervan Illustrated Bible Backgrounds Commentary.
Ralph P. Martin
Ralph P. Martin (1925-2013) was Distinguished Scholar in Residence at Fuller Theological Seminary and a New Testament Editor for the Word Biblical Commentary series. He earned the BA and MA from the University of Manchester, England, and the PhD from King's College, University of London. He was the author of numerous studies and commentaries on the New Testament, including Worship in the Early Church, the volume on Philippians in The Tyndale New Testament Commentary series. He also wrote 2 Corinthians and James in the WBC series.
Douglas J. Moo
Douglas J. Moo (PhD, University of St. Andrews) is the Kenneth T. Wessner Professor of New Testament at Wheaton College. His work centers on understanding the text of the New Testament and its application today. He has written extensively in several commentary series, including the NIV Application Commentary, Pillar Commentary, Tyndale New Testament Commentary, and the New International Commentary on the New Testament.
Mark L. Strauss
Mark Strauss (PhD, Aberdeen) is professor of New Testament at Bethel Seminary in San Diego. He has written The Davidic Messiah in Luke-Acts; Distorting Scripture?: The Challenge of Bible Translation and Gender Accuracy; Luke in the Zondervan Illustrated Bible Background Commentary series; and Mark in the Zondervan Exegetical Commentary on the New Testament.
Frank S. Thielman
Frank Thielman (PhD, Duke University) is Presbyterian professor of divinity at Beeson Divinity School, Samford University, in Birmingham, Alabama. He is the author of Philippians in the NIV Application Commentary series.
Jeffrey A.D. Weima
Jeffrey A. D. Weima (PhD, University of Toronto) is a professor of New Testament at Calvin Theological Seminary in Grand Rapids, Michigan.
Michael J. Wilkins
Michael J. Wilkins (PhD, Fuller Theological Seminary) is dean of the faculty and professor of New Testament language and literature at Talbot School of Theology, Biola University, and the author of several books.
Mark W. Wilson
Mark W. Wilson (DLitt et Phil) is the director of the Asia Minor Research Center in Antalya, Turkey. He also serves as Visiting Professor of Early Christianity at Regent University, Virginia Beach, VA, as well as Associate Professor Extraordinary of New Testament at Stellenbosch University, South Africa, and Research Fellow in the Department of Biblical and Ancient Studies at the University of South Africa. He wrote the commentary on Revelation in the Zondervan Bible Backgrounds Commentary series. His most recent book Biblical Turkey is a guide to the Jewish and Christian sites of Asia Minor.
Julie Wu
Julie L. Wu (PhD, Fuller Theological Seminary) is President and Professor of New Testament, China Bible Seminary in Hong Kong, China.
Robert Yarbrough
Robert W. Yarbrough (PhD, University of Aberdeen) is chair and professor of New Testament at Trinity Evangelical Divinity School.
|Publish Date
|Aug 8, 2002
|Weight (lbs)
|Length Unit
|Zondervan Illustrated Bible Backgrounds Commentary
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SAP NEWSBYTE — SAP AG (NYSE: SAP) today announced the planned launch of its first Big Data innovation center in a cooperation between the SAP® University Alliances program and the University Competence Center (UCC) location at Otto-von-Guericke University in Magdeburg, Germany. As part of this relationship, the company also announced the anticipated opening of the first SAP University Alliances Innovation Lab with the Institute of Enterprise Systems (InES) at the University of Mannheim. Additional Big Data innovation centers at UCC locations and innovation labs at universities worldwide are planned.
"SAP already offers the SAP HANA platform for teaching purposes at universities," said Dr. Bernd Welz, executive vice president, global head of Solution and Knowledge Packaging SAP. "With Big Data innovation centers at UCC locations, the company is planning to enable academics worldwide to leverage SAP HANA to re-invent business processes based on new Big Data applications. The lab would also be used for Big Data-driven research across a wide range of applications such as genetics, geology or physics."
The Big Data innovation center will be hosted at the Otto-von-Guericke University, which has a long-term relationship and hosting experience with SAP. The center in Magdeburg is intended to closely cooperate as an interdisciplinary research hub with the new innovation lab at the University of Mannheim, a top university in Europe. The SAP University Alliances Innovation Lab at the InES is planned to offer a platform for scientists, practitioners and startups to explore, design and evaluate data-driven process excellence in enterprises and business networks in areas such as smart logistics, Internet of Things, process intelligence, predictive maintenance and others. It also aims to help identify and verify new use cases based on a solid Big Data technology platform and can be utilized by data scientists, mathematicians or economists for a variety of industry sectors, including automotive, manufacturing, banking, utilities, retail and public sector.
"To leverage the full potential of Big Data, a deep integration into business processes is fundamental," said Professor Dr. Alexander Mädche, University of Mannheim. "As part of the innovation lab at the University of Mannheim, we are looking specifically into opportunities where Big Data and business processes intersect from a research and education point of view."
The SAP University Alliances program has more than 1,600 universities and research institutions in more than 80 countries established to help eliminate the need for individual universities to make large investments in technical infrastructure and operational staffing. SAP is encouraging universities and research institutions globally to join the community and explore becoming a big data innovation lab.
Learn more about the innovation lab at the Unversity of Mannheim here. For more information, visit the SAP News Center. Follow SAP on Twitter at @sapnews and @SAP_UA.
Media Contact:
Julia Fargel, +1 (650) 276-8964, firstname.lastname@example.com, PDT
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