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As federal and state governments focus their attention on cutting costs, it seems safe to say that securities regulators will need to look for ways to reduce expenses. Instead of conducting onsite compliance examinations of RIAs on a regular basis, securities regulators may need to select those firms that pose more of a threat to investors. Because of limited budgets and fewer employees, securities regulators might depend on risk-based oversight to do their job effectively. To cope with tight budgets and limited resources, the SEC will continue to strengthen risk-based oversight of RIAs and brokerage firms.
In a press release issued by the SEC on August 12, 2011, the Commission announced that its new whistleblower program took effect that day. The Dodd-Frank Act authorized the SEC to pay financial rewards to whistleblowers providing new and timely information about securities law violations. In the press release, the SEC observed that it has fewer than 4,000 employees who must regulate more than 35,000 entities. As a result of the whistleblower program, the SEC will receive tips and complaints from persons suspecting unethical or illegal conduct in a firm or with an RIA. Thereby helping the Commission to identify firms posing a higher level of risk to investors. We will analyze the new whistleblower program in Whistleblowers.
According to the SEC's Study on Enhancing Investment Adviser Examinations, there are three types of exams:
- Examinations of higher-risk advisors
- Cause examinations triggered by tips, complaints, and referrals from a different federal or state agency
- Special purpose reviews, such as risk-targeted examination sweeps and risk assessment reviews
The SEC's study noted that, "Risk-targeted examination sweeps are generally limited in scope, focus on specific areas of concern within the financial services industry, and cover a broad sample of regulated entities regarding those areas." Risk assessment reviews are limited scope examinations of an RIA's general business activities and certain portions of the firm's books and records. The goal is to help the SEC better assess the risk profile of an RIA.
Background Information on Risk-Based Oversight
In 2003, the SEC transitioned to a risk-based approach to examinations. In adopting that approach, the Commission focused more of its resources on RIAs with the greatest potential for causing an adverse impact on investors. Today, the SEC has the same goal—to spot RIAs whose activities may cause harm to investors. Though the SEC's technological capabilities have improved, tips and complaints are still a big part of the risk equation.
The SEC relies heavily on electronically-provided data supplied by RIAs. It is quite common for the SEC to obtain an electronic file containing all of an advisor's trades during the period covered by an exam. This allows the SEC to analyze trading patterns to determine if the firm is engaged in undisclosed activities or arrangements that pose a threat to clients. This analysis might reveal other risks that could harm clients. For example, the SEC might learn that an RIA is trading securities for its own account in a manner exploiting information gained from managing clients' money.
Regulators might also compare the performance of clients' accounts to an RIA's personal and proprietary accounts that use similar investment strategies to determine if there has been any preferential treatment. The data can be analyzed to find out if IARs' personal trades were more profitable than clients' trades. The data might also reveal a personal trade resulting in exceptional returns, which may raise a red flag.
The SEC has access to information derived from filings, publicly-available databases, and other sources. The Commission has developed a mechanism for assessing relative risks among RIAs, based on data contained in Form ADV and the results of an examination of the firm's compliance controls.
According to a speech by former director of the Office of Compliance Inspections and Examinations (OCIE), the SEC has computer programs to identify RIAs that pose a higher risk to investors. On December 16, 2008, Lori A. Richards said:
"In September of each year, a risk-profile algorithm is run against the investment adviser IARD database to identify all advisers that have higher-risk characteristics based on responses in their Forms ADV, Part I, including their disclosed assets under management, number and types of clients, affiliations, other business activities, compensation arrangements, brokerage arrangements, and disciplinary history."
When an RIA updates its Form ADV each year, the firm's risk profile is likely to change.
Risk Factors that Trigger Enhanced Oversight of RIAs
As the SEC assesses risk, the Commission hones in on the characteristics of a firm that might lead to problems down the road and harm to investors. The process might be compared to an insurance company's underwriting process where the carrier evaluates the risk factors posed by an applicant. As a general rule, the SEC and other securities regulators believe that the risk is greater where an RIA:
- receives performance-based fees;
- sells products and services other than investment advice;
- engages in principal transactions and cross trades;
- makes use of solicitors;
- assumes custody of a client's cash and/or securities; and
- has a dubious disciplinary history.
An RIA that is viewed as high risk is likely to be examined more frequently than a firm that poses less threat to investors. Some risk factors may take precedence because the SEC is focusing on activities that have become a priority. For example, after Madoff's Ponzi scheme made headlines across the globe, custody became an extremely high priority for securities regulators.
Exam Focus Areas for RIAs
Many RIAs have avoided examinations by the SEC, because they were not regarded as high-risk firms. When he testified before a Senate subcommittee on November 16, 2011, Carlo V. di Florio, current director of the OCIE, testified that only eight percent of RIAs were examined in 2011. In fact, 38 percent of SEC-registered investment advisors have never undergone an examination by the Commission.
When an exam does occur, examiners will be paying particular attention to certain areas of concern. In a speech on March 21, 2011 at the IA Watch Annual IA Compliance Best Practices Seminar, Carlo V. di Florio, discussed compliance best practices and stated that the SEC will focus on the following areas:
- Valuation
- Conflicts of interest
- Portfolio management
- Performance and advertising issues
- Asset verification
- Risk governance
- Business continuity and disaster recovery
Mr. diFlorio indicated that the SEC would also monitor issues such as the use of social media.
The SEC's goal is to protect advisory clients by focusing on particular areas. For example, if an RIA over-values a client's assets, the firm is able to charge higher advisory fees and clients pay more than they should. Similarly, the goal of business continuity and disaster recovery plans is to protect clients whose assets will be exposed to risk if an unexpected event or catastrophe occurs.
In his speech, di Florio took note of the SEC's risk assessment and surveillance models. He pointed out that aberrational performance is a great risk indicator. If an RIA's performance returns seem to be unusually high, it is much more likely that examiners will come for a visit to confirm that these results are accurate and well-documented.
While state examiners may not have access to the same risk assessment and surveillance models, they have other means at their disposal to assess risk. An examiner with the Pennsylvania Securities Commission recently told RIAs that he looks at a firm's advertisements when deciding whether to conduct an examination.
Potential Drawbacks of Risk-Based Oversight
The OCIE's risk-based exam approach is not foolproof. According to a 2007 Government Accountability Office (GAO) report, the success of the OCIE's approach depends on its ability to accurately assess the level of risk at individual firms. If the OCIE mistakenly categorizes an RIA as a lower risk, the firm's harmful practices might go undetected. In the report entitled, Steps Being Taken to Make Examination Program More Risk-Based and Transparent, issued in August 2007, the GAO stated that 90 percent of RIAs are designated as lower risk.
If a firm has not been examined, the SEC uses publicly-available information to identify risks inherent in an RIA's business model, such as conflicts of interest. The GAO report recommended that the SEC obtain and analyze the documentation associated with each firm's annual compliance review of its policies and procedures. Rule 206(4)-7 under the Investment Advisers Act requires that SEC-registered advisers review their policies and procedures annually for improvement. With this information in hand, the SEC would be better-equipped to determine what compliance controls are in place to mitigate present risks. Based on the annual audit, the Commission might determine that a firm categorized as high-risk does not fall in that category, because the RIA has a robust compliance program in place.
The SEC believes it is getting better at risk-based oversight. According to Robert Khuzami, director of the SEC's Division of Enforcement, the Commission now has high-tech tools at its disposal to fight fraud. In his remarks before the Consumer Federation of America's Financial Services Conference on December 1, 2011, Khuzami said:
"And we have been bringing 21st Century IT into the battle, increasing our use of sophisticated analytic tools and data-based templates. This helps us identify suspicious patterns and activities before they have hatched into full-blown frauds. Together, these initiatives are designed to allow us to detect much of the fraud to which retail investors are particularly vulnerable — and to detect it sooner than previously possible. This reduces the number of people who become victims, minimizes the harm to those who unfortunately have already been victims, and increases the odds we will catch the perpetrators, bar them from working in the industry and return the funds to defrauded investors."
Advanced data analysis helps the SEC uncover the warning signs of deception.
In some cases, the SEC does not need to sift through publicly-available information in order to identify the risks arising from an RIA's business model. Information received from a whistleblower or a complaint from an irate client trumps any data the SEC might obtain from publicly-available sources. Once it hears from a whistleblower or a client, an RIA is much more likely to be classified as a higher risk.
The Big Picture
Even if the SEC had a larger budget and more resources—an unlikely scenario in the current political climate—it is doubtful that the Commission could examine all RIAs on a regular basis. Therefore, to better utilize its resources, the SEC is likely to continue relying on risk-based oversight to fulfill its mission of protecting investors.
States may have their own risk criteria to determine which RIAs to examine. Whether a firm is SEC or state-registered, regulators are likely to schedule an exam if a firm is viewed as a high-risk RIA.
An examination will usually have one of three outcomes. Ideally, an RIA will receive a letter indicating that no deficiencies were identified. A second possibility is that the RIA will receive a letter outlining the deficiencies discovered by the examination team. The RIA must respond to the letter and correct any deficiencies pointed out by examiners. The third possibility is that deficiencies will be referred to the Division of Enforcement to protect investors from harm.
In the vast majority of cases, RIAs will receive deficiency letters and will agree to comply. As part of the solution, RIAs will almost always need to strengthen their policies and procedures to protect clients and prevent future compliance problems from occurring.


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Wisconsin Credit Unions Thank Mayor for Business Lending Support
For his support of federal legislation that would ensure small businesses can access loans through credit unions, Racine Mayor John Dickert was recently honored during the Wisconsin Credit Union League's annual Government Affairs Conference.
Dickert was recognized for helping to pass a resolution at the U.S. Conference of Mayors in support of federal legislation that would ensure small businesses can access needed loans through credit unions.
The Conference of Mayors is part of a bipartisan list of more than 30 organizations supporting the measure, including groups representing small businesses, the self-employed and the insurance, textile, realty, construction, automotive and technology industries, according to the league.
A plaque, thanking Dickert on behalf of the 95 million consumers nationwide who own credit unions, acknowledged his help in adding a bipartisan list of 187 mayors to the resolution supporting the Credit Union Small Business Jobs Bill (S.B. 2231/H.R. 1418), the league said.
"Mayor Dickert understands that credit unions can fill today's huge void for business credit because they have billions available to lend, a 100-year history of making business loans safely, the support of federal regulators and the support of 80% of Wisconsin voters who," said Brett Thompson, president/CEO of the Wisconsin Credit Union League.
The legislation, which was introduced in the previous 112th Congress, would have increased the ability of the financial cooperatives to extend additional credit to small businesses at no cost to taxpayers, according to the Wisconsin league.
A similar version of the bill is likely to be reintroduced as part of the current 113th Congress.
In the first year alone, the Credit Union Small Business Jobs bill would have made available $14 billion in new credit and 157,000 new jobs nationwide, the league said. In Wisconsin, it would have provided $458 million in new credit and created almost 5,000 jobs.

subset: commoncrawl


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Thanks, Emery!
Emery Gholston, assistant branch manager at Del-One Federal Credit Union's Smyrna branch, received a surprise from business development representatives Brandy Buzzuto and Amy Durham as thanks for his work with them at their $306 million Dover, Del., credit union. Ghiolston was instrumental in helping with SEG development efforts, and he was rewarded with a gift card, cookie cake, and balloons.


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I know this is a bit of a reach, but has anyone considered the faint possibility that Bryan Colangelo is putting together a group to buy the OTPP portion of MLSE?
As far fetched as it sounds, keep in mind that his father did that very thing as GM of the Phoenix Suns in 1987. His father also subsequently assembled a group of investors to buy an MLB franchise in 1994 (Arizona Diamondbacks).
Given how fond Bryan is of this team and this city, and the fact that there is a family history with his father being in the exact same position (GM of a team that is up for sale), I'm surprised that I haven't heard anyone mention this possibility yet.
Although this is purely speculation, if it were true, would it have anything to do with the OTPP board members trying to oust him as GM?
Let the speculation begin...


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High-energy Victorino bubbling with excitement
Right fielder seeking bounce-back season, looks forward to working with Ellsbury
By Ian Browne / MLB.com
FORT MYERS, Fla. -- If the song "I'm So Excited" by the Pointer Sisters isn't on the playlist of Shane Victorino's iPod, it should be. The Red Sox's new right fielder arrived to camp on a rainy Thursday and used the word "excited" 14 times in a 13-minute session with the media.
Get used to it, Red Sox fans. Victorino is a little, well, excitable.
Victorino doesn't seem to need coffee or energy drinks. It seems as if he was born with caffeine streaming through his veins.
"I'm a high-energy guy," Victorino said. "You guys are going to get that. I like to have fun. If I pick on you guys every once in a while, just have fun with it and laugh with it. But at the end of the day, we're going to go to work, and I'm excited for Day One here, being here in Fort Myers, being part of this team, and we'll see what happens."
The Red Sox have made a three-year, $39 million investment in Victorino's energy and baseball talent. A center fielder for most of his career, he will move to right field at least for this season, as Jacoby Ellsbury will stay in his natural position for this final year before free agency.
"Hey, I'm excited," Victorino said. "I started as a right fielder, and again, I have a great center fielder to be playing alongside of me, a guy who is an All-Star to me, one of the great players in the game."
Though Victorino is a newcomer, he knows very well how important Ellsbury is to the Red Sox. Typically in recent years, when Ellsbury has been at his best, the team has followed suit.
"Hopefully he stays healthy," Victorino said. "That's the most important part. Jacoby needs to stay healthy. He's had some unfortunate injuries. But when he's healthy, to me, I think he's, if not the -- he's one of the best center fielders in the game. Again, I think it's going to be fun playing alongside of him. Definitely, right field is a little different at Fenway than most parks, but hey, I'm always up for the opportunity and going out there and having fun."
Let's face it –- the Red Sox need some fun after the past couple of seasons. Victorino, respectful of the way chemistry develops, made it clear he isn't coming in to step on anyone's toes.
"People always talk about culture and the presence," Victorino said. "Those guys that have been here, [Jon] Lester, [Dustin] Pedroia, [Clay] Buchholz, [David] Ortiz, those guys, I think, are still the backbone of this organization.
"Guys like myself, Jonny Gomes, [Joel] Hanrahan, David Ross, we're coming in just to be part of this team. We're not coming in to try to change the culture. It's just adding to the pieces of that puzzle and to go out there and have fun. Winning heals all. When you don't win, people are always going to wonder the fine answers of why. People are going to blame the clubhouse, the atmosphere."
Victorino has experienced the highest level of winning as a member of the 2008 World Series champion Phillies. He again played in the Fall Classic in '09, with his Phils losing to the Yankees in six hard-fought games.
The Red Sox are trying to get back to playing on the big stage, and Victorino will do what he can to help aid that cause.
"What do I hope I add? Being fun, energetic, going out there and being myself. I think that's what you're going to get," Victorino said.
The problem for Victorino last season is that it was perhaps the least productive of his career, particularly if you use OPS (.704) as a barometer.
"I've had seven, eight years in the big leagues, but again, at the end of the day, people always talk about age and talk about how I had a down year and how my numbers are going backwards. But I would say this –- it's just one year," Victorino said.
"I always give 100 percent and have fun doing it. Again, I'm excited for the opportunity to be here with this organization. Most people say it's a fresh start. I don't ever look at it that way. I just look at it as another organization, another team I get to be a part of and have fun doing it."
At the age of 32, there's no reason Victorino can't have a bounce-back season.
"Again, people are going to try to find a reason. And who knows? If I could put my finger on it, I would have stopped it earlier, but unfortunately I didn't," Victorino said. "I didn't have the year I wanted to. Again, 2013 is a fresh start for me -- new organization. And what better than to be a Red Sox. I think that's what it's all about. At the end of the day, maybe it was just a bump in the road. Again, I'm just staying focused on 2013 and not worrying about 2012."
After spending the next couple of weeks getting acclimated with his new team, Victorino will depart on March 1 to play for Team USA and manager Joe Torre in the World Baseball Classic.
Was committing to the Classic a tough decision in what is already a year of transition for Victorino?
"Of course it was," Victorino said. "Of course you don't want to get pulled away from the organization, but at the end of the day, that USA team I get to play on and represent our country, that was a deciding factor for me. Was it a tough decision? Yeah, but we're going to have three weeks to work with Jacoby and get my wits in right field. I'm still going to get enough playing time from what I'm being told by Joe Torre."
Once the Classic ends, you can probably guess that Victorino will be "excited" to get back to work with the Red Sox.
Ian Browne is a reporter for MLB.com. Read his blog, Brownie Points, and follow him on Twitter @IanMBrowne. This story was not subject to the approval of Major League Baseball or its clubs.


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You are logged in as:
Your tax invoice can be downloaded on flysaa.com under Manage & Fly 72 hours after the e-ticket has been issued.
If a Tax Invoice has been successfully generated from the South African Airways Tax Invoice System, the onus rests on the recipient to ensure that his/her mailbox has enough space to receive an e-mail - with a PDF attachment; and that his//her service provider or exchange server allows for delivery of such e-mails. South African Airways, can not take responsibility for undelivered e-mails due to any other reasons beyond our control including the above.
Prescribed details required from the South African Revenue Service on a tax invoices
Tax invoices must ordinarily reflect the following details as prescribed by the South African Revenue Service Act, 1997 (Act No. 34 of 1997):
Johannesburg 13th February 2009
The Board of South African Airways (SAA) can today announce the appointment of Chris Smyth, General Manager of Operations, as acting Chief Executive Officer (CEO) of the airline.
Mr Smyth has been at the helm of the critical area of operations for almost two years. He joined the airline in May 2007 from Virgin Nigeria Airways where he was chief financial officer and a director of the Board, and was previously group financial director of Kenya Airways during the turnaround of that airline.
Mr Smyth is a pilot who has worked in the aviation industry for more than a decade, focusing particularly on financial issues, and his in-depth knowledge of the industry will stand him in good stead in his new acting position.
The shareholder and the Board have expressed full confidence in Mr Smyth, and the Board and executive team will give him their full support.
Issued on behalf of SAA's Board of Directors


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the week when auto editors turned in their first reviews of test
drives of General Motors' upcoming 2011 Chevy Volt, there's been a
bizarre twist that's largely overshadowed these initial
impressions.In a wild twist, Larry Nitz, GM's executive
director of electric and hybrid powertrain engineering,
has revealed that
the gasoline engine actually will drive the Volt
mechanically.Previously, GM had maintained that the Volt was
a battery electric vehicle (BEV). When the battery's 40-mile
range (since revised
to "25 to 50 miles") was nearing exhaustion, a
turbocharged 1.0-liter 3-cylinder gasoline engine kicked in,
supply electrical current directly to the batteries and motor to
provide more than 200 extra miles in range.That platform was
known as "E-Flex". But unbeknownst to anyone, GM was
pulling a bait and switch.Today, Mr. Nitz revealed
that actual powertrain.
The Volt, it turns out, is not a BEV like the 2011
Nissan Leaf. It is actually a plug-in hybrid
electric vehicle (PHEV) like the 2012
Ford Focus or 2012
Toyota Prius EV.The internal combustion engine (ICE) --
now a 1.4L 84 hp 4-cylinder design -- and the 149 hp permanent-magnet
AC electric motor both feed into a planetary gear set and three
electronically controlled, hydraulically activated multi-plate
clutches. The resulting automatic transmission is marvel of
electro-mechanical engineering offering a blend of efficiency and
power. The entire powertrain is bolted together to minimize
noise, vibration, and harshness (NVH) and reduce space
usage.Arguably this advanced transmission is much better for
customers than what GM initially said it
was offering. As Ford Motor Company pointed out in our
recent interview with their head of electrification, BEVs suffer
from poor performance in cold or hot weather, as the battery's
performance deteriorates sharply. So why the bizarre
farce on GM's part in claiming its BEV was really a PHEV, when the
actual design would be more beneficial to the majority of customers?
Mr. Nitz claims that GM had to deceive the public in order to secure
its patents on its unique transmission. Now with the patents in
hand, he was free to go public with the new powertrain platform,
dubbed "Voltec", he says.Turning to what GM had
intended to be the focus this week, MotorTrend and The
Detroit News have
taken their first drives in the upcoming PHEV and are quite
Detroit News writes:
I drove more than 32 miles on electric power only — in a very
un-eco-friendly manner — the Volt's little engine began powering
the car. This was the moment I had been waiting for: It's one thing
to power a car with batteries, but it's revolutionary to have a gas
engine supply the power to electric motors.
succession of power is more seamless than a presidential election.
The engine is quiet and keeps humming along. There's never a
glitch, a pause or a moment when the engine noticeably kicks on or
off. For the most part, once the initial battery charge is drained,
the engine produces the electric power to drive the motor.
of all, there's nothing to adjust to in the Volt. My 75-mile trip
used a total of 0.9 gallons of gasoline. But I would have been happy
to drive farther.
And MotorTrend opines:
Volt is no sports car, but it blows Toyota's plug-in Prius away (9.8
seconds to 60 mph), and runs neck and neck with a 2.4-liter Malibu in
acceleration and handling tests. Figure-eight performance is
virtually identical at 28.4 seconds and 0.59 g, and the Volt's
119-foot stops from 60 mph are just 3 feet longer-impressive, given
its 226-pound weight disadvantage and low-rolling-resistance tires.
(The Prius weighs 376 pounds less than the Volt, yet it just matches
its 0.78g lateral grip, trails both Chevys by 0.4 second on the
figure eight, and needs 131 feet to stop from 60 mph.)
on these reports it appears that GM's "surprise" of the ICE
hooking up directly to the transmission to drive the wheels seems
indeed to be a good one. On the other hand, many will likely
dwell on the fact that GM pulled a bait-and-switch on the
customer. After all, some customers really want an
honest-to-goodness BEV and may now being a bit bummed that they
instead ordered what essentially amounts to a souped up plug-in
hybrid. Others have been vocal critics of the vehicle (and GM
in general) and will likely jump on GM's deception as a platform to
attack the vehicle (and GM in general).Perhaps GM was right
-- they had to mislead the public to protect their intellectual
property. But the move was certainly a very bad decision in
terms of public relations. GM can only hope that the public
settles down and comes to realize the bottom line -- that it's
offering them a superior package than what it initially promised to


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Whitingham ambulance service on 'probation'
HALIFAX -- The Whitingham Ambulance Service Inc. is looking for solutions to future staffing issues.
"We're having some challenges," said President of the WASI Christina Moore.
On Jan. 23, the Halifax Selectboard traveled to Whitingham to meet with the WASI. The board was told about some of the issues that the ambulance service had been facing in recent years, which included a decrease in staff and stricter requirements for operating an ambulance service.
The WASI has proposed a tax increase that would essentially pay for full-time staffing of the ambulance with licensed EMTs and accommodate members with housing nearby in Jacksonville so that they would be only three to five minutes away from the ambulances at all times. It had also been mentioned that the towns may ask for assistance from the state with funding to keep the service going.
"The state is giving Whitingham Ambulance three months probation because they haven't been able to get under the wire for getting to calls," said Selectboard Chairman Lewis Sumner. "It's taking them too long to respond, so it's taking them longer than it should to get to the hospital."
The state of Vermont issued WASI a conditional license for 90 days and has asked WASI to find methods to reverse the current trends or it will lose the license to operate an ambulance.
After 90 days, the state will re-evaluate WASI to see if improvements have been made.
With the number of volunteers decreasing, forecasts for 2013 show even more drops in membership, which is worrisome for both Halifax and Whitingham residents, as the ambulances service both towns.
According to a WASI press release, "The impact of an aging population, limited employment and longer commutes is that people are less able to volunteer. The changes in population impact WASI in two ways. First, there are fewer people able to volunteer to work on the ambulance. Second, as the population ages, the demands on the ambulance increase."
In 1988, there had been 34 WASI members. In 1990, there were 21 members and in recent years, there's been less than 12.
Members have left the area and gone on to work in other places such as Bennington, Brattleboro and even so far as Oregon.
As of now, the average wait for a WASI ambulance is 22 minutes.
If the towns and WASI do not come up with a solution, residents of Halifax and Whitingham will have to wait for ambulances from the neighboring towns of Brattleboro, Wilmington and Colrain, Mass., which could take up to an hour.
WASI had requested that Rescue Inc. cover Halifax but had been denied. A request had been made to merge with the Deerfield Valley Rescue, but that had been denied as well.
New state laws have also made it difficult for WASI. It has created standards for response time as well as "operational readiness with personnel, equipment and communications for responses to emergency requests on a 24 hour a day, 365 days a year basis," according the press release from WASI.
The increased tax proposal would roughly cost each home $1 per day to keep WASI running. This is only an estimate to get the conversation going, Moore said.
"As much as I support this, I don't see it working," she said. "But I don't have another way of solving these problems."
Chris Mays can be reached at 802-254-2311, ext. 273, or email@example.com. Follow Chris on Twitter @CMaysReformer.
If you'd like to leave a comment (or a tip or a question) about this story with the editors, please email us. We also welcome letters to the editor for publication; you can do that by filling out our letters form and submitting it to the newsroom.


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Tuesday, October 9, 2012 -
5:00 am to 7:00 am
No history of the American experience would be complete without an understanding of the cultural rivalries that have fractured our continent. The focus of this course is on how the conflicts between these rival cultures have shaped our past and are molding our future. Instructor: Hal Wohl, emeritus professor of history. Fee: $40
Room 11, Center for Energy & Environmental Education


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INTERPOL hosts expert meeting on video surveillance
LYON, France – The use of video surveillance by both law enforcement and the private sector was the focus of a Group of Experts Meeting on video surveillance organised and hosted by INTERPOL within the framework of the EU-supported Rules, Expectations & Security through Privacy-Enhanced Convenient Technologies (RESPECT) project.
Some 35 experts from 24 countries gathered for the two-day (24 and 25 April) meeting at the world police body's General Secretariat headquarters to discuss a range of issues relating to CCTV, including interoperability between law enforcement, public and private sector systems, effectiveness, prospective developments and the balance between security needs and individuals' rights.
With investigations into the Boston Marathon bombing again highlighting the importance of video surveillance from an operational perspective, particularly in relation to suspect identification, existing practices and common challenges were also key items on the agenda.
Organized by INTERPOL's Office of Legal Affairs, the meeting served as the foundation for the projects' research on video surveillance in order to identify operational needs and develop recommendations to strengthen security whilst respecting citizens' fundamental rights.
Joël Sollier, INTERPOL's General Counsel, said the results of the discussions would not only benefit the RESPECT project but indeed the global law enforcement community which, through INTERPOL, would continue to provide input to policy-making at a crucial stage before new European laws on the subject were finally agreed.
The meeting, chaired by RESPECT and SMART projects co-ordinator Professor Joe Cannataci, Chair in European Information Policy & Technology Law at the University of Groningen and Head of the Department of Information Policy & Governance at the University of Malta, also addressed the issue of CCTV integration into smart surveillance, the main focus of RESPECT's 'sister project', Scalable Measures for Automated Recognition Technologies (SMART).
The three-year RESPECT project, like the SMART project, is funded under the Security Work Programme within the European Union's Seventh Framework Programme (FP7). INTERPOL is a full partner in both projects which are each being carried out by over 50 researchers organized within 20 teams from partners within 16 European Union states and Australia.
One of the goals of the RESPECT and SMART projects is to draft a model law which can be deployed across Europe and beyond. Feedback from INTERPOL following this expert meeting will help establish guidelines and standards which reflect the law enforcement community's needs, as well as identifying appropriate safeguards.
The overall objective of the project is to modernize and improve the quality and efficiency of surveillance stakeholders' working methods, including those of law enforcement agencies while providing the right balance with and improving respect for privacy and other rights of the citizens subjected to surveillance.


text:
Alright, so due to immense reading on Narutopedia, I came to the fact that Tobi really is Izuna, and I would be glad to share the story to all of you.
After reading some articles, I came to know that Tobi's real identity is Izuna Uchiha. You might be thinking that this is impossible as Izuna is already dead. This is true, he HAD died a long time ago but he had lived again. How? Do you know how the real Madara died? No. This is how he died: Madara said that he had died shortly after getting the Rinnegan. He also stated that he was into the Eye of the Moon plan. Realizing that he was too old to live, he used his Rinnegan to revive Izuna (the same thing Nagato did to revive Konoha shinobi who have died) at the cost of his own life. Madara died, but not before giving his Rinnegan to Izuna, who in turn gave them to Nagato. He took Hashirama's DNA from Madara, then took two new Sharingans, one from Obito, and another from an unknown person. And so Izuna lived to fullfil Madara's plan of the Eye of the Moon.
So there you go, everything you need to know about Tobi. This is real, and should be accepted by everyone. If you dont believe me, then go to naruto.wikia.com and read the article on Tobi. Read it and sum them all up. Thank you for reading and tell me what you think of it.


text: The Montezuma County Fine Arts kids that advanced to State Fair in Pueblo, Colo. would like to thank all the sponsors that donated to fund the purchase of T-shirts to wear at State Fair. All the members did very well. Thank you to: Notah Dineh, Rocky Mountain One Stop, Spruce Tree Coffeehouse, Pioneer Printing, The Farm, Kokopelli, Underwood Optical, American Family Insurance, Garcia & Company, Wallace Livestock, Cruzan Irrigation, Tanya Yates, and Lacy and High Mesa Design.


text:
Over the
last year, the commercial and military aviation industry has started to talk a
lot about greener aircraft and biofuel to reduce the need for crude oil and
produce less pollution. Much of the news focuses on biofuels that reduce the need for
traditional petroleum based jet fuel, but there are other technologies at work
in the airline industry to make aircraft produce less pollution.
The industry isn't only talking about producing less pollution in the way of
hydrocarbons, but in less noise pollution with quieter aircraft. Boeing has
announced that American Airlines will be the first company to test a new Boeing 737-800 jet that will use new
technology to make it more efficient and produce less noise.
"We are proud to have American Airlines as our launch partner for this new
generation of technology that can bolster aviation's role as the most efficient
means of global transportation," said Boeing Vice President of Environment
and Aviation Policy Billy Glover. "There's no better way to prepare
advanced technologies for market entry than flying them and no better choice
than the best selling single-aisle airplane of all time -- the Boeing
Next-Generation 737."
The American 737-800 will be the first plane to use the new technology
including adaptable trailing edge technology that is part of the FAA Continuous
Lower Energy Emissions Noise or CLEEN program. The trailing edge tech will
reduce noise and emissions in all phases of flight including takeoff, cruise,
and landing.
Other CLEEN program tech that will be in the aircraft includes a variable fan
nozzle to reduce noise and enable other advanced efficiency tech to be
implemented. The aircraft will use a flight trajectory optimization system to
pick the most fuel-efficient path to a destination. The aircraft will also has
regenerative fuel cells onboard for power that could potentially reduce weight,
fuel burn, and CO2 emissions.
"Our ecoDemonstrator flight test program allows us to accelerate promising
technologies and move them onto airplane models and into new aircraft design
considerations across the industry," said Boeing ecoDemonstrator Program
Manager David Akiyama. "It also allows us to verify airplane applicability
and identify and eliminate potential integration challenges."
American Airlines will also test a dual isle aircraft that is unnamed at this
time. The testing on the other aircraft will start later. The American Airlines
737-800 with the new tech onboard will start operations in 2012.


text:
This dataset is maintained and distributed by the National Archive of Criminal Justice Data (NACJD), the criminal justice archive within ICPSR. NACJD is primarily sponsored by three agencies within the U.S. Department of Justice: the Bureau of Justice Statistics, the National Institute of Justice, and the Office of Juvenile Justice and Delinquency Prevention.
Federal Court Cases: Integrated Data Base Appellate and Civil Pending Data, 2014 (ICPSR 29281)
Principal Investigator(s): Federal Judicial Center
The purpose of this data collection is to provide an official public record of the business of the federal courts. The data originate from district and appellate court offices throughout the United States. Information was obtained at two points in the life of appellate and civil cases: filing and termination. The termination data (archived as separate data collections each year) contain information on both filing and terminations, while the pending data (archived as this data collection and updated annually) contain only filing information on the most recent pending cases. The unit of analysis for the appellate and civil pending data is the case.
Access Notes
One or more files in this data collection have special restrictions ; consult the restrictions note to learn more. You can apply online for access to the restricted-use data. A login is required to apply.
Access to these data is restricted. Users interested in obtaining these data must complete a Restricted Data Use Agreement, specify the reasons for the request, and obtain IRB approval or notice of exemption for their research.
Any public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.
Study Description
Federal Judicial Center. Federal Court Cases: Integrated Data Base Appellate and Civil Pending Data, 2014. ICPSR29281-v4. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2015-12-16. https://doi.org/10.3886/ICPSR29281.v4
Persistent URL: https://doi.org/10.3886/ICPSR29281.v4
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- United States Department of Justice. Office of Justice Programs. Bureau of Justice Statistics
Scope of Study
Subject Terms: administration, appellate courts, case dismissal, case processing, civil law, court cases, criminal law, defendants, disposition (legal), federal courts, judicial decisions, legal systems, pretrial procedures, records, trial courts, trial procedures
Smallest Geographic Unit: county
Geographic Coverage: United States
- 2014
- 2014
Unit of Observation: Appellate pending data -- case., Civil pending data without PLT and DEF -- case., Civil pending data with PLT and DEF -- case.
Universe: All federal pending court cases in the United States in 2014.
Starting with the year 2001, each year of data for Federal Court Cases Integrated Data Base is released by ICPSR as a separate study number. Data for the years 1970-2000 can be found in FEDERAL COURT CASES: INTEGRATED DATA BASE, 1970-2000 (ICPSR 8429).
Starting with year 2008, the appellate pending and civil pending data are archived as a separate data collection.
Mode of Data Collection: record abstracts
computerized court records
administrative records
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Created variable labels and/or value labels.
- Performed recodes and/or calculated derived variables.
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 2010-12-13
- 2015-12-16 The collection is updated to reflect 2014 pending data.
- 2014-03-18 The collection is updated to reflect 2012 pending data.
- 2013-02-12 The collection was updated to reflect 2011 pending data.
- 2012-01-12 2012-01-11 The data collection was revised to include appellate and civil cases pending as of the fiscal year ending September 30, 2010. Previous data was replaced with these data.
Related Publications
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- Citations exports are provided above.
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text:
reported in September of last year that Ford was doing a top-to-bottom
revamp of its powertrain lineup for its popular F-150 pickup truck. That new
engine lineup included a new 3.7-liter V6, 5.0-liter V8, 6.2-liter V8, and an
EcoBoost (turbocharged) 3.5-liter V6.
According to a new
report from Automotive News, the
EcoBoost engine is proving to be quite popular with buyers and bucks the trends
that are normally seen in the full-size pickup market. In fact, the EcoBoost
engine option is now accounting for 36 percent of F-150 sales. The EcoBoost
engine also now has a 40 percent take rate when it comes to new dealer orders.
Ford Consumer Marketing Manager Marc Lapine thought that
there would be a little more lag time before consumers became aware of the engine
option and started taking advantage of it, but higher gas prices have made the
EcoBoost a popular choice.
"We had a sales forecast but it has jumped up a little
faster than we thought," said Lapine. "We thought there would be a
little more time between the early adopters and the other people who said,
'Hey, now I am ready to buy it.'"
"As soon as this fuel thing started, probably two
months ago, all of a sudden people are coming in, asking, 'Do you have an
EcoBoost?'", added Wayne Seidel, a general manager for a Ford dealership
in Wisconsin. "I've sold every one that I can get my hands on."
The EcoBoost V6 makes a healthy 365hp at 5,000 rpm and 420
lb-ft of torque at 2,500 rpm while running on regular unleaded gas. Tow
capacity (11,300 pounds) for the boosted six matches that of the top rung
6.2-liter V8 engine option.
The EcoBoost F-150 is EPA rated at 16 mpg in the city and 22
mpg on the highway.
Many manufacturers are now looking to turbocharging to match
the power of an engine with more cylinders while achieving better fuel economy.
Ford uses EcoBoost engines in its Taurus SHO (V6), Flex (V6), Explorer (I4),
and upcoming C-MAX
Other companies that are jumping on the turbocharging
bandwagon for mainstream vehicles include Hyundai with its Sonata
Turbo and Buick with its Regal. Chevrolet is also expected to add a
turbocharged four-cylinder engine to its all-new
2012 Malibu to replace
the V6 engine option.


text:
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The EPA comes from fish oil derived from anchovy, sardine, mackerel, herring, salmon and tuna. It has been processed using molecular distillation to ensure its purity and contains no trans fatty acids. Country Life's Omega 3 Mood is made according to high quality and exacting standards.
Each softgel is natural lemon flavored -- no fishy taste.
Research with Omega-3 fatty acids supplementation has shown promise in many areas. EPA, in particular, plays numerous roles in brain health and has been shown to support mood.* As research continues to grow, it is becoming evident that Omega-3 fatty acids, especially EPA, play a significant role in emotional health.*
When fatty acids such as EPA are present in the body, it becomes a precursor for hormone-like agents known as eicosanoids.* These help regulate fundamental processes such as cell division and growth, blood clotting, muscle activity, secretion of digestive juices and hormones, and movement of substances like calcium into and out of cells.*
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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
British Social Attitudes Survey, 1983 (ICPSR 8391)
Principal Investigator(s): Airey, C.R.; Jowell, R.
This survey, the first in an annual series, is designed to monitor trends in a wide range of social attitudes in Great Britain. The British Social Attitudes Survey (BSA) is similar in purpose to the General Social Survey carried out by the National Opinion Research Center (NORC) in the United States. The BSA questionnaire had two parts, one administered by an interviewer and the other completed by the respondent. This survey contained questions on political orientation, including attitudes toward the parties, likely voting behavior in the next British General Election, political tolerance, and relations with other nations. Other topics include beliefs and expectations concerning both national and personal economic conditions, attitudes toward government spending and programs, social problems such as crime and racial prejudice, and attitudes toward marriage and sexual mores. Additional demographic data gathered included age, gender, education, occupation, household income, marital status, social class, and religious and political affiliations.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
Study Description
Airey, C.R., and R. Jowell. British Social Attitudes Survey, 1983. ICPSR08391-v2. Colchester, Essex, England: United Kingdom Data Archive/Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributors], 2004. https://doi.org/10.3886/ICPSR08391.v2
Persistent URL: https://doi.org/10.3886/ICPSR08391.v2
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- Nuffield Foundation (United Kingdom)
- Economic and Social Research Council (United Kingdom)
- Sainsbury Family Charitable Trusts (Great Britain). Monument Trust
Scope of Study
Subject Terms: attitudes, defense (military), economic conditions, expectations, government programs, government spending, international relations, labor markets, marriage, morality, national economy, national elections, political affiliation, political attitudes, political participation, public confidence, racial attitudes, religious denominations, sexual attitudes, social change, social classes, social issues, trends, values, voting behavior
Geographic Coverage: Global, Great Britain, United Kingdom
- 1983
- 1983-03--1983-06
Universe: Adults (18 or over) living in private households in Great Britain whose addresses were included in the electoral registers.
In 1999, Social and Community Planning Research (SCPR) became the National Centre for Social Research.
Under agreement with the UKDA, the data are disseminated as they were received, without additional processing by ICPSR. This agreement also provides that ICPSR will disseminate the data only for use within its member institutions. Persons from non-member institutions may request these data directly from the UKDA.
The data are provided as an SPSS portable file.
The documentation was converted to Portable Document Format (PDF) by the UKDA. The PDF documentation can also be downloaded from the UKDA Web site at http://www.data-archive.ac.uk/.
The formats for some variables in the SPSS portable file (e.g., WHYGO1) are not wide enough to accommodate the missing value specifications. For some procedures SPSS will display these missing values as asterisks. Users can widen the formats to display the actual missing value codes.
Sample: Multistage stratified random sample consisting of four stages. The sample was drawn from the electoral register.
personal interviews, and self-enumerated questionnaires
Original ICPSR Release: 1985-12-20
- 2004-08-26 The data and documentation were resupplied by the United Kingdom Data Archive (UKDA). The data are now available as an SPSS portable file and the documentation has been converted to PDF by the UKDA.
Related Publications
Export Options: RIS/EndNote
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
INTERPOL condemns suicide terror attack in Pakistan
MINSK, Belarus - INTERPOL Secretary General Ronald K. Noble has condemned in the strongest terms bomb attacks on a paramilitary force academy in north-west Pakistan which killed 80 people. The Pakistani Taliban said they carried out the attack to avenge the death of Osama Bin Laden.
Speaking from Minsk where he is meeting with senior Interior Ministry officials on law enforcement co-operation against terrorism, Secretary General Noble described the blasts at Pakistan's Shabqadar training centre for the Frontier Constabulary as 'senseless and cowardly'.
"On behalf of the international law enforcement community, INTERPOL condemns these murderous bombings in the strongest terms and extends its condolences to the families and loved ones of the victims of these bombings," said Secretary General Noble.
"Today's terrorist attack is a dual reminder: first, that the Taliban remain committed to supporting Al-Qaida in executing deadly terrorist attacks. And second, that Pakistan, its authorities and citizens remain the far too frequent targets and victims of terrorism," added the Head of INTERPOL.
Police said both blasts were caused by suicide attacks and that at least 65 of the dead were recruits, but there were also civilian casualties.


text:
Experts hail meningitis jab U-turn
A vaccine against deadly meningitis B is set to be introduced on the NHS for young babies.
Under mounting pressure from charities and senior doctors, the Department of Health's independent advisory body, the Joint Committee on Vaccination and Immunisation (JCVI), has agreed to adopt the Bexsero vaccine after initially rejecting it last year.
The JCVI said last July the vaccine was not a cost-effective use of NHS money "at any price" and could not be recommended, while also calling for further evidence.
In October, following a campaign by scientists, charities and leading doctors who wrote to Health Secretary, Jeremy Hunt, the JCVI issued a further statement saying it was considering new evidence and a range of views.
Today's announcement - which effectively marks a U-turn - said the vaccine should be introduced on the NHS if costs can be agreed with the manufacturer, Novartis.
The move was welcomed by charities and campaigners, who said it would save "thousands of lives".
Under the plans, babies will be vaccinated from the age of two months, with a one-off catch-up programme for those aged three and four months.
The Department of Health is to start negotiations with Novartis on the cost of the vaccine as soon as possible.
Deputy chief medical officer Professor John Watson said: "Infants under one year of age are most at risk of meningitis B and the number of cases peak at around five or six months of age.
"With early diagnosis and antibiotic treatment, most make a full recovery. But it is fatal in about one in 10 cases and can lead to long-term health problems such as amputation, deafness, epilepsy and learning difficulties.
"We will now be working closely with Novartis in the coming months and, if negotiations are successful, we hope to work with the other UK health departments to introduce a vaccine to prevent meningitis B as quickly as possible. This would make the UK the first country in the world to implement a nationwide vaccination programme."
Steve Dayman, founder of the charity Meningitis Now, whose baby son Spencer died from meningitis B in 1982, said: "This is the most monumental announcement in the fight against the disease in the 31 years I have campaigned to eradicate meningitis.
"It is the decision we've pushed for, to have the meningitis B vaccine given free to all infants.
"There is no doubt that it will save thousands of lives and spare survivors and their families the pain of living with life-changing after-effects.
"We thank our supporters for their determined campaigning and the JCVI for listening to our arguments on the true burden of this disease."
Around 1,870 people are estimated to contract meningitis B each year in the UK.
The Bexsero vaccine, approved by the European Medicines Agency more than a year ago, is estimated to cover around 88% of meningitis B disease.
Until now, vaccines have only protected against some other bacterial types of meningitis.
Meningitis B is a highly aggressive strain which infects the protective membranes surrounding the brain and spinal cord.
It is a medical emergency and, if left untreated, can cause severe brain damage, septicaemia and death.
One in three survivors are left with debilitating after-effects such as loss of limbs or brain damage.
Meningitis B is most common in children under five and, in particular, babies under the age of one.
Initial signs and symptoms in babies and children include a high fever with cold hands and feet, feeling agitated and not wanting to be touched, continuous crying or excessive sleepiness and difficulty in waking.
Children may also appear confused and unresponsive. A major - and late-stage - warning sign is a blotchy red rash that does not fade when a glass is rolled over it.
Professor Andrew Pollard, chairman of the JCVI and professor of paediatric infection and immunity at the University of Oxford, said: "Meningitis B disproportionately affects babies and young children and can be devastating.
"After very careful consideration, JCVI concluded that use of the new vaccine would reduce cases of meningococcal meningitis and septicaemia and lead to a reduction in deaths, limb amputations and brain injury caused by the disease."
Christopher Head, chief executive of the Meningitis Research Foundation, said: "We are delighted that the JCVI have recommended vaccinating all babies against this most feared and deadly disease.
"It's a wonderful outcome which will save lives and spare countless families the trauma of seeing a loved one seriously disabled by the devastating after-effects of meningitis B.
"We pay tribute to the people who have suffered from this illness, whose bitter experience has helped demonstrate the compelling case for prevention."
Dr Helen Bedford, senior lecturer in children's health at the Institute of Child Health, University College London, said: "Meningococcal B disease is very serious. Clearly its prevention is highly desirable and the vaccine would be welcomed by parents and health professionals alike."
Dr David Elliman, immunisation expert at the Royal College of Paediatrics and Child Health, said, if costs can be agreed, the decision "will be universally welcomed. Children's lives will be saved and some children will be spared severe preventable disability."
Dr Maureen Baker, chair of the Royal College of General Practitioners (RCGP), said: "Worried parents and doctors will breathe a huge sigh of relief at today's announcement. Meningitis and meningococcal infection is a dreadful disease and its consequences can be devastating.
"This vaccine has the potential to save thousands of lives, primarily children, and GPs will play a major role in promoting the new immunisation programme to parents and in ensuring a successful rollout.
"The College has been very vocal in the campaign to introduce the vaccine and we are pleased that our advice, together with other expert input, has been heeded."
Earlier this year, a Mumsnet survey of more than 1,000 mothers for Meningitis Now found that two-thirds of parents could not afford the jab privately but 95% were in favour of it being introduced on the NHS.
Ana Nicholls, healthcare analyst at The Economist Intelligence Unit, said: " Interestingly, one decisive aspect of the new review appears to have been the possible costs of litigation against the NHS over meningitis B, a factor that is not routinely taken into account in cost-effectiveness assessments."
She added: "Bexsero is a ground-breaking vaccine, but so far only Canada, Australia and a couple of US universities have decided to use it (and it doesn't yet have FDA approval).
"NHS usage will not only increase revenues from the drug but will also encourage adoption in other countries. It will also provide more evidence about the protection it offers, its cost-effectiveness, and any possible side-effects."
Dr Nelly Ninis, a medical adviser to the Meningitis Research Foundation, said the decision was a "monumental milestone" but older children should be protected too.
She said: "As a paediatrician who knows only too well the devastation that meningitis B causes, today's announcement from the Department of Health is a monumental milestone for babies in the UK.
"However, we must not forget that older babies, toddlers and teenagers will remain at risk of this deadly disease which can kill or maim within hours of onset unless they are also routinely vaccinated.
"We stand the best chance of coming close to eradicating this disease in the UK, as we have achieved with meningitis C, if all age groups are protected."


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- Genre: Board / Card
- Release: May 16, 2007
- ESRB: Everyone
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text:
This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Agricultural and Demographic Records for Rural Households in the North, 1860 (ICPSR 7420)
Principal Investigator(s): Bateman, Fred; Foust, James D.
Demographic, occupational, and economic information for over 21,000 rural households in the northern United States in 1860 are presented in this dataset. The data were obtained from the manuscript agricultural and population schedules of the 1860 United States Census and are provided for all households in a single township from each of 102 randomly-selected counties in sixteen northern states. Variables in the dataset include farm values, livestock, and crop production figures for the households which owned or operated farms (over half the households sampled), as well as value of real and personal estate, color, sex, age, literacy, school attendance, occupation, place of birth, and parents' nationality of all individuals residing in the sampled townships.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
ASCII + SAS Setup SPSS Setup
Study Description
Bateman, Fred, and James D. Foust. Agricultural and Demographic Records for Rural Households in the North, 1860. ICPSR07420-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1976. https://doi.org/10.3886/ICPSR07420.v1
Persistent URL: https://doi.org/10.3886/ICPSR07420.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- National Science Foundation (GS-27143)
Scope of Study
Subject Terms: agriculture, biographical data, census data, economic behavior, households, property values, rural areas
Geographic Coverage: United States
Universe: 956 counties in 20 northern states
This collection was archived by ICPSR to promote the use of social science data in undergraduate and graduate education through the sharing of faculty-submitted ICPSR data-based instructional materials developed for use in the classroom.
Instructional materials for use with these data may be found at AGRICULTURAL AND DEMOGRAPHIC RECORDS FOR RURAL HOUSEHOLDS IN THE NORTH, 1860: [INSTRUCTIONAL MATERIALS] (ICPSR 3463)
Another version of this study, AGRICULTURAL AND DEMOGRAPHIC RECORDS OF 21,118 RURAL HOUSEHOLDS SELECTED FROM THE 1860 MANUSCRIPT CENSUSES (ICPSR 9117), is available in hierarchical format.
Sample: A two-stage variable-cluster sample design was use. A random sample of 102 counties in sixteen northern states was drawn. From each of these counties one non-urban township was randomly selected. Census records from all households in the selected townships were included in the study.
Restrictions: At the request of the principal investigator, any publications that draw upon the sample must observe the copyright held by Professors Bateman and Foust.
Original ICPSR Release: 1984-05-11
Related Publications
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
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I've been over it and over it checking out the position needs, the contracts, talent level including prosects,and the win loss records of every team in the league. T.O has the best chance at pulling this off.
While I know it sounds far fetched and it's probably something knowones considered. This trade:
Hedo Turkoglu
Jose Calderon
Demar Derozan
1st Round pick (maybe)
Dwayne Wade
If Miami made this trade they give up there superstar and still be as Competitive as they are right now if not more.
They have a good PF with Beasly who will most likely turn into an all star. J.O is still a solid center both those guys would excel with the play making that comes with Hedo and Jose Also they would have a SG (Derozan) with a ton of potential for the future. Plus this summer with all the expiring contracts they would still have the cap space to sign a guy like Joe Johnson, yet another smart spot up guy who would benefit from playing with two great play makers. Calderon is great in a half court set and that's what Miami likes to run for the most part.
Wade would work in T.O for obvious reasons. I'm sure if Bosh and Wade could be on a team together it might as well be in Toronto.
Colangelo could sign them both to long term deals and have one of the best cores in the league.
Most of all both teams could feel good that they didn't send good players to losing teams essensially screwing them over. Win Win
There is a hand full of teams I can see that could pull off a fair trade for Wade. However there playoff bound teams that would have to blow up their core and hope everything works out. This trade would be good for everyone, players, owners, teams ect.
On the other hand I could just be a hopeful and bias Raps fan.


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All Things Digital is reporting that Hewlett-Packard
Company (HPQ), currently the world's largest maker of personal
computers, is in the process of laying off 525 employees in its webOS
business unit.
A spokesperson for the company comments, "As communicated on August 18, HP
will discontinue the development of webOS devices within the fourth quarter of
fiscal year 2011, which ends Oct 31 2011. As part of this decision, the webOS
GBU [general business unit] is undergoing a reduction in workforce. Today's
actions are part of this initiative. During this time, we stand by our
commitment to our webOS customers and will work to ensure that support and
service for customers are not adversely affected. HP is exploring ways to
leverage webOS software."
The layoffs are yet another sign that webOS is nearing a full death.
HP acquired the mobile operating system when in purchased Palm in April 2010 for $1.2B USD. At
first it continued to develop the operating system and release new
hardware [1][2]. But with the
arrival on new CEO Léo Apotheker, the company decided to
ditch its family of mobile products.
It pulled its TouchPad tablet after less than seven weeks on the market,
to webOS fans' dismay. While HP insists that it may still use webOS in
other applications (such as printers), the prospects of webOS continuing to be
a serious mobile device operating system look bleak given the staff cuts and
internal reports that development on the platform is grinding to a halt.
HP recently announced plans to spin off its PC business, the Personal Systems
Group (PSG). When that happens, there's a slim chance there could be a webOS
revival. Alternatively, the PSG (the HP unit responsible for mobile
devices, personal computers, etc.) may opt to adopt a third party operating
system, such as Microsoft Corp.'s (MSFT) Windows Phone 7 or Google Inc.'s (GOOG) Android operating system.
A sale of webOS remains a possibility, as well, should a player like Google
express enough interest.
Many shareholders are quite upset about HP's decision to kill webOS and spin
off their PC business. A consortium of top shareholders have filed suit and are seeking class
action status, claiming Mr. Apotheker deceived shareholders by failing to
disclose plans of the radical changes in advance. As a result, the
shareholders argue, HP's stock price was artificially inflated.


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5 Facts You Don't Know Because You Weren't At BAI Payments Connect
PHOENIX — Over 700 attendees. Forty-nine summit sessions. Some packed rooms. High-level revelations by senior financial institution executives and high-powered vendors.
The BAI Payments Connect conference spanned two and one-half days at the Phoenix Convention Center this week and helped link the dots on what banking will look like, probably sooner than you think.
Also from BAI Payments Connect:
- Underbanked, Unbanked and Fraud
- Old Fraud Targets Still New Favorites
- Now Up: Cross-Channel Fraud
- Digital Wallet Update: Try Something, Anything
- On Mobile: Go Big or Go Home
Here are quick-cut highlights:
NFC May Be Dying
A year ago it was anointed the future king of mobile payments. Now at BAI, panelist Jim Marous, a senior vice president at marketing company New Control, said: "NFC [near field communication] may be a non-starter."
"If the consumer and the merchant don't see value they won't change," he explained.
And presently few phones are NFC equipped and fewer merchants are ready to take tap-and-go smartphone payments.
"Spread your bets around the table," urged Marous – meaning nobody knows who will be the mobile payments winners.
But the enthusiasm around NFC is evaporating.
"The whole movement is to the cloud," said Dan Schatt, an executive at PayPal, a company that has expressed continuing ambivalence about NFC.
With cloud-based mobile payments the data resides in the cloud, not in an element on the phone (as with NFC). Some believe cloud to be safer and more flexible. It definitely imposes fewer infrastructure demands on consumers and merchants.
But it is difficult to say with real confidence that cloud is the one. Not on a playing field that is shifting so fast.
Urged Mark Critchett, an NCR executive who was on the same panel, "Partner with somebody who has a roadmap. The future of banking will be mobile."
Next: Mobile is the Future
Mobile is the Future
Speaker after speaker hit the point home: mobile is banking's future and the plain fact is that mobile is not simply another channel, it's a wholly new approach to banking relationships where the consumer carries the bank in his/her pocket and it is accessible 24/7.
"Sixty-five percent of Americans are open to using a mobile centric bank account," said Lewis Goodwin, CEO of Green Dot Bank, a subsidiary of prepaid card company Green Dot. His is a mobile-focused entity, without branches. But Goodwin doesn't believe that will deter consumers from signing up.
Increasing numbers of Americans no longer want to write checks. They want to pay digitally and more of them want to do that with a smartphone.
So many financial institutions miss this message. They want mobile to piggyback off online banking – but a growing cohort of customers sees mobile as the better answer.
"Mobility is growing exponentially," said Virginia Heyburn, a Fiserv senior executive who said that some 25 million households in America now embrace mobile banking.
The numbers keep spiking up, year on year, and by this point there is no believing the trend will abate. Mobile is primed to win.
Next: Banking's Innovation Problem
Banking's Innovation Problem
Face it: financial institutions are seen as not innovative, especially around technology, a fact trumpeted by one panelist, Green Dot Bank CEO Lewis Goodwin, who cited research that showed this belief to be widespread among consumers.
But it was Arkady Fridman – a longtime PayPal executive who recently took a job with researchers Aite Group – who spoke on another panel and offered an explanation for the sluggishness of financial institutions. They have an ROI problem, said Fridman.
He elaborated that FIs often insist on a particular ROI, even from new initiatives that typically are one step forward, two backwards because they are in fact charting new territory.
Non-banks – untraditional providers (read Google, possibly Apple, PayPal, Green Dot, Facebook) – "see the trend, they believe they know where things are going," said Fridman.
Because they believe they are willing to invest and "they are not insisting on a particular ROI," said Fridman.
"The reality is that you are losing customers to alternative payments companies," said Fridman, who urged financial institutions to carve out partnerships with the innovators. Do that or "somebody will eat your lunch," he said.
Next: Fraud Means Openness
Fraud Means Openness
Call this the era of new style transparency about fraud: that was a clear take-away from several BAI sessions where panelists acknowledged that the more fraud is in the news, the more consumers want to hear about it.
"We never used to talk about fraud but now we do because society wants to talk about it," said Dianne Shovely, an executive with Comerica.
"Honesty is the way to go," she added.
"We pick and choose which scams we tell our customers about," Shovely said, mainly because nowadays there are so many. She doesn't want to overwhelm her customers with info they really don't need to know. But when scams are getting close to home, she doesn't hesitate to tell all she knows.
Added Alex Chavarria, an executive with Silicon Valley Bank, "Customers expect us to protect their money."
That, he stressed, is the bottom line responsibility of any FI's fraud group.
Next: Branch Closings Pick Up Speed
Branch Closings Pick Up Speed
Estimates vary – different experts toss out different predictions – but a growing consensus suggests that half of existing financial institution branches will close in 10 years as consumers deploy different tools (such as mobile banking) to handle the needs they formerly satisfied by visiting a branch.
Probably the branch killer is remote deposit capture because, suddenly, the most cited reason for a branch visit can be conveniently handled with a smartphone or a scanner, per research presented by Novantas consultant Steve Ledford in a final day session. When deposits no longer require a branch visit, it is RIP branches.
Novantas data say that branch traditionalists – who tend to be lower income – now amount to just 25% to 40% percent of consumers.
The "virtually domiciled" – the e-groups who want never to set foot in a branch – constitute 25% to 33% of consumers. This group, incidentally, is the lowest cost to serve and thus the most profitable for organizations that pursue them in an electronic spirit.
What's more, in branch transactions keep declining. Novantas numbers show them down 4% to 5% in the past year.
Even sensitive tasks – such as new account openings – are losing in branch traction as more consumers do that online.
But RDC is the nail in the coffin. "Remote deposit is untethering customers from the branch. This requires a complete rethink of the sales and service model," said Ledford.
Also from BAI Payments Connect:


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Microsoft is now among the many technology firms that have been hit with hard times. The answer to fixing the problems with profitability and poor performance for Microsoft and most other technology firms is to cut jobs and reduce spending.
Microsoft did just that when it announced earlier this week that it would chop 5,000 jobs from its workforce. Among the first casualties to come in the job cuts are reported to be the entire development team for Microsoft's long running Flight Simulator franchise.
Flight Simulator is one of the longest running franchises in gaming with the first version going back to 1982. In fact, Flight Simulator was the game that brought me from Atari consol games to PC gaming in my youth.
The fact that the entire Dev team for Flight Simulator has been axed all but guarantees that Flight Simulator is grounded. The same dev team was reportedly at the helm of another simulation product form Microsoft called Microsoft Train Simulator.
This is a sad day for gamers and fans of Flight Simulator and we can only hope that the axing of the development team doesn't mean Flight Simulator X is the last version of the venerable game we will ever play.


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Executives at AT&T, America's second largest carrier, in mid-December committed to a 100-day plan to try to improve their network's call quality according to a report in The Wall Street Journal.
AT&T is already spending quite a bit more this year -- an additional $2B USD compared to last year to be exact -- to improve its infrastructure (AT&T's total spending on infrastructure was $17B USD last year, and is budgeted to be $19B USD this year). According to speed tests from a variety of publications -- Gizmodo, PC World, and others, AT&T already has the fastest data network of anyone in the country.
This comes largely thanks to the company making the adjustments needed to handle the iPhone's unprecedented level of data traffic. AT&T added spectrum, wired towers with faster connections, and pointed antennas up, instead of down, to give better reception in office towers.
Now AT&T is trying to focus on its lacking voice network. In September 2009 dropped call rates in New York City were as high as 30 percent for iPhone users. AT&T has contacted us on numerous occasions refuting this number, but we've heard first-hand testimonial from urban iPhone users who say it's that bad or worse in their own personal experience. Further, regardless of the exact quantity of dropped calls, many users we've talked to are frustrated with the call quality, another key metric.
A poll [PDF] by J.D. Power & Associates last month illustrates those gripes. Verizon scored the top marks in voice network quality, while AT&T received rather poor marks.
AT&T's 100 day plan is largely a race to remedy this. The company is trying everything it can -- laying cable at night, repositioning antennas, and even timing updates near college campuses to coincide with the low-traffic summer recess.
It faces a tough climb, though, to try to match Verizon in terms of call quality. When it comes down to it, it needs more antennas in urban areas to support its customers. And that means installing new cable -- ripping up city streets -- and convincing building owners to rent it space to put new antennas. Those kinds of things take time.
And time is in short supply for AT&T.
According to reports, Apple is working on a CDMA-capable iPhone, which may be ready as soon as September. According to analysts the phone may not come to Verizon until next year, instead initially deploying to CDMA networks in Japan or South Korea. Most agree that it is an inevitability that Verizon will get the iPhone.
Some warn that AT&T may be in big trouble when that happens. States Edward Snyder, managing director of Charter Equity Research, "They haven't fixed the network and they're going to see a huge exodus to Verizon [when it gets the iPhone]."
AT&T is racing to try to narrow the call quality gap to make sure that exodus doesn't occur.
Update 1: Mar. 31, 2010 2:15 p.m. EST-
Our AT&T contact shared some details about the company's success with less destructive network upgrades (which don't require new antenna contracts or burying cable). He comments, "If you look at what we did in Austin for SXSW (adding backhaul capacity to existing sites including lots of new fiber optic connections, adding 850MHz radios to existing sites, adding in-building "Distributed Antenna Systems" at large venues)...those are also underway in big cities and can be done at a quicker pace."
Basically, these in-building antennas can help to beef up AT&T's voice call quality in big cities. It sounds like AT&T is taking this kind of deployment seriously when it comes to allocating the extra infrastructure spending.


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Joe McCloskey, president of McCloskey Motors in Colorado
Springs, Colo., has been named 2013 National Quality Dealer of the Year by the
National Independent Automobile Dealers Association during NIADA's 67th Annual
Convention and Expo in Las Vegas.
In a ceremony televised live from Caesars Palace on NIADA.TV,
McCloskey was chosen from the State Quality Dealers nominated for highest honor
given among NIADA's dealer members.
McCloskey, 55, started his business with his wife, Ann, in 1989
after a successful career as a sales manager for new car dealerships. McCloskey
Motors now includes two sales locations – McCloskey Truck Town and McCloskey
Imports & 4x4s – as well as two service locations – McCloskey All Makes
Auto & Truck Service and Joe's Car and Truck Repair – and employs 63 people
in the Colorado Springs area. The company sells nearly 1,500 used vehicles and
repairs more than 3,500 vehicles annually.
NIADA National Quality Dealer candidates are judged on a variety
of factors, including contributions to the automotive industry and community
involvement. A panel of judges from Northwood University selects the annual
NIADA chief executive officer Michael Linn said McCloskey "has gained an exceptional
reputation, not only with his customers, but throughout his community and the
industry itself."
Linn said McCloskey "has
given back to his community in so many ways. Last summer, the community of
Colorado Springs was devastated by the Waldo Canyon wildfire. More than 300
homes were destroyed and more than 20,000 people were evacuated. Joe was
proactive in recognizing and addressing his community's needs and used his
dealership as a vital hub for donations. His efforts, along with his own
funding, raised more than $40,000."
In addition, the McCloskeys have long been involved with
numerous community charities, including the Pikes Peak Chapter of the American
Red Cross, the Humane Society of the Pikes Peak Region, Care and Share Food
Bank of Southern Colorado and Colorado Springs City Parks. They help with Muscular
Dystrophy Association projects and the Wounded Warrior Project, and are
sponsors of the Pikes Peak Hill Climb.
McCloskey has been heavily involved in NIADA and the Colorado
IADA ever since he joined the ranks of independent dealers, having served as CIADA's
president and chairman of the board. He has worked to promote the industry as a
speaker and writer, appearing on local television and radio and in area
newspapers as well as national media. He is recognized as an expert in subprime
auto financing, and in 2002 was asked to be an expert speaker at the Automobile
NAFTA Summit in Mexico City.
In 2012, McCloskey became the first dealer in the CIADA's
72-year history to be named Colorado's Quality Dealer of the Year for the
second time. He first earned the award in 1994.
McCloskey is an automotive lifer, starting in the car business
as an 8-year-old pumping gas at a service station before becoming a mechanics'
helper at 13, a lot boy at 15 and a salesman at 17. He said his business'
success is based on the company's professionalism and enthusiasm for customer
service, which shows up in a high percentage of repeat and referral customers.
goal is not to just sell you a vehicle today," he said, "it is to save you
amazing amounts of time and money and deliver a level of customer service that
exceeds your expectations."
"Given the
excellent reputation and community service of McCloskey Motors over the years,
it is obvious why Joe McCloskey has been selected as Quality Dealer of the Year,"
Colorado Springs city councilman Bernie Herpin said.
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