text:
Amplifying Innovation Through Collaboration
Collectively, credit union results are improving and that's a positive sign. However, there are far too many of us who are not growing and are frankly just trying to survive.
To survive in a more and more unpredictable environment and to thrive in economically difficult times, credit unions must reinvent themselves. Internally, credit unions have to wisely leverage internal and external resources and encourage creativity and collaboration. Externally, they must learn how to serve changing consumer demographics in a hyper-competitive financial environment.
Scaling Up Microfinance
I recently attended a conference (in my capacity as senior consultant for the National Federation of Community Development Credit Unions CU Breakthrough Team) that exemplified the spirit of collaboration and innovation. The Scaling Up Microfinance conference is one of the Capacity Building Initiatives funded by the U.S. Department of the Treasury's CDFI Fund and organized by the Opportunity Finance Network and the National Federation of Community Development Credit Unions.
The advanced training workshops are for certified Community Development Financial Institutions — including loan funds and community development credit unions—involved in microfinance or small dollar lending that seek to increase capacity and serve more people. The workshop exposed microfinance CDFIs to best practices in the field and provide them with tools to determine appropriate strategies to scale. The workshop focused on:
- Business model innovation
- New products and services
- Technology to improve performance
- Talent management
Perhaps the greatest takeaway from the conference was the success stories shared by credit unions and loan funds. Amazing examples of collaboration, innovation and yes… growth and profitability.
Opportunities for Credit Unions
Today, nearly 2,000 credit unions have received their Low Income Designation from the NCUA. To qualify for this designation more than half of a credit union's members must live in census tracts that have a median family income below 80% of the Area Median Family Income or individual income less than 80% of Area Median Income for a single individual.
The fact the NCUA recently approved nearly a thousand new credit unions for LICU status underscores the impact the Great Recession has had on consumers, and also the realization that this is the primary market segment of a big chunk of our industry. Many of these newly designated credit unions are pursuing the CDFI certification through the Federation so they can tap into resources to expand access to affordable financial services in LMI communities, as well as to increase opportunities to collaborate with other CDFI's, such as Loan Funds.
Who are these consumers? They tend to be less educated, lower-income and have larger families. They use Small Dollar Credit products such as payday loans, title loans and pawn loans to pay utility bills, rent and general living expenses (i.e. food, fuel, etc.) During the past 12 months, nearly 13 million Americans with income less than $75,000 used a SDC product at least once. Many of these people are our members and employees and they need our help – and we need their business.
Adapting to serve this group – with the products and services they seek – presents new opportunities for credit unions:
- Products and services that serve a growing demand
- Target market in which smaller credit unions can compete and win
- Higher loan yield and fee income
- Increased membership growth
- Increased opportunities to collaborate and partner (i.e. community partners, CDFIs, SEGs)
For some, microfinance products, small balance consumer loan and transaction services may be just what the doctor ordered for smaller credit unions struggling with membership, loan and revenue growth. What's in it for the larger credit unions?
A lot! From the potential to scale these products, using the opportunity to connect with consumers and teach them a better way; connect with an entire new market that perhaps has developed below their radar screen; partner with local non-profits and local goverments involved in economic revitalization projects; set themselves apart in the market place as financial institutions committed to their communities, etc.
Perhaps it may also be an opportunity to communicate and leverage brand? After all, aren't we all looking for ways to differentiate how we are clearly different and better?
Loan funds are specialized lenders with high loan demand and are often looking to partner with financial institutions as they have limited lending capital. Credit unions have a lot of liquidity these days and with return on investments at a historic low, what better time than now is there to do loan participations with these specialized lenders that understand these markets? There are a growing number of partnerships between loan funds and credit unions that demonstrates how effective these collaborations can be.
Is This Right for You?
Four things to consider about serving this market:
- Is my credit union a LICU? If yes, you are already serving a group that is using SDC products and services from other providers.
- Is my credit union consistently growing membership? If no, serving this group may be your best bet to tap into a growing segment, compete and win (for smaller credit unions, it beats competing with the larger credit unions for 1.75% new car loans).
- Is my credit union consistently growing loans? If no, serving this group may create opportunities for used auto loan and small balance loan growth. Most people who work are dependent on having a reliable used vehicle to get to work.
- Is my credit union consistently profitable? If no, serving this group typically generates much higher average loan yield and non-interest income. There are hundreds of smaller credit union best practices out there, who usually fly under the radar, but have successful business models for serving this group. True, they typically have higher operating and loan loss expenses. However, these expenses are more than offset by significantly higher average loan yield and fee income.
Learn More
If you're struggling for consistent growth and profitability, I hope you will consider learning more about the growth and revenue opportunities for serving this market. The work can be very rewarding and presents significant opportunities for collaborating and innovation.
Here are some resources:
The National Federation of Community Development Credit Unions
NCUA Office of Small Credit Union Initiatives
Scott Butterfield, CUDE, CUCE, CCUE is principal of Your Credit Union Partner in Sumner, Wash.


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I have a problem with naruto Saying he needs a clone to do rasengan.
This Technique divides the user into equal copies of him/herself right down to chakra. The clones can move independently from the original naruto's will but does not have separate personalities. Therefore Naruto will think of a plan or strategy and his clone will have that same plan to carry out. They are basically and simply another naruto, not tied to one mind, they can think for themselves.
__________________________________________________ _________
Now the reason Naruto need his clone to do rasengan is because he could not concentrate on both shape manipulation, compressing the chakra at the same time. So basically it is two separate naruto's doing the same technique, Two Heads in the same Hole.
When Naruto had the one tailed cloak at the valley of end he did a one handed rasengan, kishi didn't tell us how he did it so here is what I think. Sasuke couldn't predict the movements of both naruto and the the chakra cloak, he stated "it was like the chakra had a mind of its own." Well yes he was correct, the 9tails was in control, while naruto stile had some control. The fox was the next mind/head focusing chakra in that situation helping to preform the rasengan.
__________________________________________________ _________
2. The TAILED BEAST BOMB
It was said that this move was the inspiration for rasengan having the same, rotation and compression principles. Therefore Naruto should use clones, but he was told not to use clones.
Instead he was forced to create chakra arms from the Rikodu cloak.
Because Naruto is controlling the fox chakra it should still prove too difficult a task since there is only one mind involved in making the beast bomb, the same dumb naruto mind that could not handle the overload of rotation and compression in the beginning of that same manga. How the hell all of a sudden is it that he is able to COMPRESSION, ROTATION, by himself. I mean all along it was too much load on his brain to preform two tasks at once so he created another copy of himself so it can do the other task for him and ease the overload on his tiny brain.

subset: commoncrawl


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2015 KOMATSU PC20R.8 for sale POA
Machinery Attachments / Rubber Tracks
|Listing Type
|Stock Number
Why HXRT?
HXRT takes pride in research and development, with years of one on one development between our engineers and machinery manufacturers. HXRT does not just make one type of track per size, we have various types of tracks to suit different machines to ensure perfect fitment and performance. It is this attention to detail that ensures HXRT Rubber Tracks customers are using the highest performing aftermarket solution available.
HXRT Rubber Tracks are "continuous steel corded" tracks meaning there is no break in the steal cord that runs through track and are up to 60% stronger then "steel corded joined" tracks. In addition the steel cord within HXRT Rubber Tracks are corrosion resistant, further protecting them from the harsh Australian elements, adding to their reliability.
All HXRT Rubber Tracks are covered by warranty with Excavator tracks warranted for 1 year and Skid Steer and Posi Tracks warranted for 3 months. Just another reason why our customers are confident in their decision to use HXRT Tracks.
In addition to Rubber Tracks, HXRT also carries a huge range of Bolt On and Clip On Rubber Pads and Roadliners. The HXRT Range includes Bolt On pads from 300-500 mm, Clip On pads from 300-600 mm and Roadliners from 300-500 mm ensuring we have every pad for every situation.
HXRT Pads really are the leader in their field with all of our pads being "fully embossed Rubber Pads". This means our Pads backing plates are embossed in the pad them selves, not just stuck on leaving them exposed to the elements.
The best quality track at the most competitive price guaranteed
The track for your machine is always in stock
You?ll receive the most experienced technical advice from the people who know
But you cannot just have a good quality track and pads. You also need to be priced competitively in the market and most importantly you need to have stock on hand. Many a time has there been two or more days of downtime waiting for stock to arrive from interstate. With HXRT stockists, this just doesn?t happen.
The technical advice is also second to none with most of the staff having 15 plus years experience. They will make sure you get the right track for your machine.
With the demand of HXRT products around the nation, we have appointed certified dealers in major cities around Australia.
The Brisbane, Sydney, Melbourne and Perth HXRT Rubber Track dealers carry our extensive range of tracks and pads, so give us a call to get your quote today.
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Custom Elements Bureau
Okay people, as u can see, it has been approved, and i'm here to push it through. As I imagine this, anyone, with the sufficient number of posts, and a good reputation (by our staff, not the public reputation), will be able to fill out a forum, and, here, in this thread, request a "patent" on his custom element.
To submit a custom element, u have to follow the following rules;
- U are allowed to have up to 2 custom elements of your own, and be a co-creator of a maximum of 3 other Custom Elements, but altogether you can use only up to 4 different CE's
- To submit your first Custom Element u have to be of Kage rank, and be on the forum longer then 5 months, even if you are the co-creator, you must be of Kage rank in order to use the Custom Element
- To submit your second Custom Element u have to be of Kage rank, and be on the forum longer then 10 months
- Your submission has to be weak against atleast 2 cannon elements
- Your Custom Element u can pass on only 2 students (2 students per element), be aware that once u teach them, you can't change your mind, take the element away from someone, and pass it onto someone else; in order to add a student, he or she must first be approved by me, then trained and after that, you can message me to add her to your Custom Element
- U can not pass it on students unless u have a valid Sensei Status
- NO overpowered elements, NO unrealistic elements
- Have a strong "scientifical" background on the new element
- Fill out the template FULLY, the last part (Students i passed on this custom element: ? & ?) leave empty, i will add the names there as u choose them
- Anyone else, that gets caught using your element, without being mentioned here, under the 2 student u passed it on, will receive infractions
Code:[B]Custom element japanese name:[/B] [B]Custom element english name:[/B] [B]The element is based on:[/B] [B]Facts that prove the element to be possible (in the manga context):[/B] [B]Idea behind its creation:[/B] [B]Conditions to be able to use it:[/B] [B]Is weak to:[/B] [B]Is strong against:[/B] [B]Co-creators (if any):[/B] [B]Students i passed on this custom element: ? & ?[/B]Disclaimer
By submitting in this thread, u are bound to obey to all rules; also, Nexus (me) keeps all rights to decline the submitted custom element, pointing out no reason, and no improvement suggestions. However, the submitter can always fill out a complaint and PM it to me, then we will handle it in private.
Note: All custom jutsus for this element (aren't customs actually cause there are no real ones) must be submitted in the proper thread in the Custom jutsu users forum.


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INTERPOL Chief welcomes arrest of Saif Al-Islam Gaddafi as milestone for Libyan justice
LYON, France - The arrest of Saif Al-Islam Gaddafi has been welcomed by INTERPOL Secretary General Ronald K. Noble as an important step forward in the delivery of justice to the people of Libya.
The 39-year-old son of Colonel Gaddafi, who is the subject of an INTERPOL Red Notice, or international wanted persons alert, issued at the request of the International Criminal Court (ICC) for crimes against humanity, including murder and persecution, is now in custody awaiting trial after being apprehended in Ubari in the south of the country.
"Today's arrest of Saif Al-Islam Gaddafi is an important milestone for the new Libya," said Secretary General Noble.
"Gaddafi being taken into custody not only shows fugitives that they cannot run forever, but also is a clear signal to the people of Libya and citizens around the world that the National Transitional Council will continue to hunt for those accused of crimes and bring them before the courts in order that they can respond to the charges against them.
"The Prosecutor of the ICC Luis Moreno-Ocampo and I called for Saif Al-Islam Gaddafi to turn himself in after Colonel Gaddafi's death so that the rule of law could run its course, today we would reiterate that call to all those who were part of the inner circle and who remain at large," concluded the INTERPOL Chief.
A Red Notice issued at the request of the ICC for the former director of military intelligence Abdullah Al-Senussi remains in effect. INTERPOL's Fugitive Investigative Support (FIS) unit based it its General Secretariat headquarters in Lyon, is liaising with both the ICC and INTERPOL's National Central Bureau in Tripoli to ensure that all relevant intelligence in relation to Al-Senussi and other wanted individuals is pooled and regularly updated.
In addition, FIS has issued an alert to all NCBs throughout Africa urging member countries to maintain vigilance at border crossing points for any of the wanted persons attempting to travel.


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Leukemia treatment is focused on destroying cancer cells, slowing disease progression, and/or managing symptoms caused by loss of healthy blood cells. Treatment depends on the type of leukemia, extent of disease, past treatments, symptoms, age, and overall health. Treatment plans often include a combination of treatments.
Acute leukemia requires immediate medical care because its effect on normal body function can be severe. Treatment for acute leukemia can be intense in the beginning ,but can lead to complete destruction of leukemia. Lifelong monitoring will be needed to look for any return of leukemia.
Chronic leukemia is harder to cure. Most treatment is focused on relieving symptoms and slowing disease progression. If chronic leukemia is found early before it is causing symptoms, a period of watchful waiting may be recommended. It can take months or even years before chronic leukemia causes severe problems. Supportive treatment will begin once symptoms are causing health problems.
The healthcare team will be made up of a variety of health professionals including doctors, surgeons, nurses, and pharmacists. It is important to maintain contact with your medical team, adhere to recommended treatment, and go to any recommended appointments for best outcomes possible.
Leukemia treatment may include:ChemotherapyMedicationsRadiationSurgeryOther treatmentsLifestyle changes
Existing treatment protocols have been established and continue to be modified through clinical trials. These research studies are essential to determine whether or not new treatments are both safe and effective. Since highly effective treatments for many cancers remain unknown, numerous clinical trials are always underway around the world. You may wish to ask your doctor if you should consider participating in a clinical trial. You can find out about clinical trials at the US National Institutes of Health website.
Revision Information
- Reviewer: Mohei Abouzied, MD
- Review Date: 12/2015 -
- Update Date: 02/04/2016 -


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NEW YORK (AP) — Television viewers tuned in to see TV stars celebrating each other on Sunday but didn't ignore what else the medium had to offer.
The Nielsen ratings company said that on the night that "Breaking Bad" won an Emmy Award for best drama, the penultimate episode of the AMC series set a viewership record. An estimated 6.6 million people on Sunday watched "Breaking Bad," which was airing when the cast got its award.
The series finale is scheduled for next Sunday.
The 3.3 million people who watched the series finale of "Dexter" opposite the Emmys represented not only the series high for the serial killer drama but the biggest audience that Showtime has ever gotten for one of its original series.
Despite the competition, the Emmy Awards were seen by an average of 17.6 million viewers, an increase of more than 4 million over the show's audience last year. The CBS telecast was undoubtedly helped by airing directly after pro football in the East and Midwest.
The "Devious Maids" season finale Sunday on Lifetime drew 3 million viewers, a series best, the channel said. The drama, from "Desperate Housewives" creator Marc Cherry, has been renewed for a second year.
Nielsen said 40.3 million people were watching TV during the average minute of prime time on Sunday. That was 800,000 less than the same week a year ago. It's clear what made the difference: Sunday's NFL matchup between Chicago and Pittsburgh had 800,000 fewer viewers than last year's Sunday night game.
Fox's new haunted series, "Sleepy Hollow," had a strong debut with a Top 10 Nielsen finish. The show jumped the gun on most new programming, which is debuting this week.
CBS won the week in prime time, averaging 9.1 million viewers. NBC had 7.5 million, ABC had 5.4 million, Fox had 4.4 million, Univision had 3.2 million, ION Television had 1.13 million, Telemundo had 1.05 million and the CW had 950,000.
ESPN was the most-watched cable network, averaging 3.3 million viewers in prime time. USA had 2.3 million viewers, The Disney Channel had 2.1 million, TBS had 2 million and The History Channel had 1.6 million.
NBC's "Nightly News" topped the evening newscasts with an average of 8.1 million viewers. ABC's "World News" was second with 7.5 million and the "CBS Evening News" had 6.2 million viewers.
For the week of Sept 16-22, the top 10 shows, their networks and viewerships: NFL Football: Chicago at Pittsburgh, NBC, 20.51 million; "Emmy Awards," CBS, 17.76 million; "Dancing With the Stars," ABC, 16.04 million; "Sunday Night NFL Pre-Kick Show," NBC, 14.55 million; NFL Football: Pittsburgh at Cincinnati, ESPN, 14.33 million; "Under the Dome," CBS, 12.1 million; "America's Got Talent" (Wednesday), NBC, 11.49 million; "America's Got Talent" (Tuesday), NBC, 11.19 million; "NCIS," CBS, 10.64 million; "Sleepy Hollow," Fox, 10.1 million.
AP Television Writer Lynn Elber in Los Angeles contributed to this report.


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SECTION III. The Discipline of Pure Reason in Hypothesis
This critique of reason has now taught us that all its efforts to extend
The bounds of knowledge, by means of pure speculation, are utterly
Fruitless. So much the wider field, it may appear, lies open to
Hypothesis; as, where we cannot know with certainty, we are at liberty
To make guesses and to form suppositions
Imagination may be allowed, under the strict surveillance of reason
To invent suppositions; but, these must be based on something that is
Perfectly certain--and that is the possibility of the object. If we
Are well assured upon this point, it is allowable to have recourse to
Supposition in regard to the reality of the object; but this supposition
Must, unless it is utterly groundless, be connected, as its ground of
Explanation, with that which is really given and absolutely certain
Such a supposition is termed a hypothesis
It is beyond our power to form the least conception a priori of the
Possibility of dynamical connection in phenomena; and the category
Of the pure understanding will not enable us to excogitate any such
Connection, but merely helps us to understand it, when we meet with
It in experience. For this reason we cannot, in accordance with the
Categories, imagine or invent any object or any property of an object
Not given, or that may not be given in experience, and employ it in a
Hypothesis; otherwise, we should be basing our chain of reasoning upon
Mere chimerical fancies, and not upon conceptions of things. Thus, we
Have no right to assume the existence of new powers, not existing in
Nature--for example, an understanding with a non-sensuous intuition
A force of attraction without contact, or some new kind of substances
Occupying space, and yet without the property of impenetrability--and
Consequently, we cannot assume that there is any other kind of community
Among substances than that observable in experience, any kind of
Presence than that in space, or any kind of duration than that in time
In one word, the conditions of possible experience are for reason the
Only conditions of the possibility of things; reason cannot venture
To form, independently of these conditions, any conceptions of things
Because such conceptions, although not self-contradictory, are without
Object and without application
The conceptions of reason are, as we have already shown, mere ideas, and
Do not relate to any object in any kind of experience. At the same time
They do not indicate imaginary or possible objects. They are purely
Problematical in their nature and, as aids to the heuristic exercise
Of the faculties, form the basis of the regulative principles for the
Systematic employment of the understanding in the field of experience
If we leave this ground of experience, they become mere fictions of
Thought, the possibility of which is quite indemonstrable; and they
Cannot, consequently, be employed as hypotheses in the explanation of
Real phenomena. It is quite admissible to cogitate the soul as simple
For the purpose of enabling ourselves to employ the idea of a perfect
And necessary unity of all the faculties of the mind as the principle
Of all our inquiries into its internal phenomena, although we cannot
Cognize this unity in concreto. But to assume that the soul is a simple
Substance (a transcendental conception) would be enouncing a proposition
Which is not only indemonstrable--as many physical hypotheses are--but
A proposition which is purely arbitrary, and in the highest degree rash
The simple is never presented in experience; and, if by substance is
Here meant the permanent object of sensuous intuition, the possibility
Of a simple phenomenon is perfectly inconceivable. Reason affords no
Good grounds for admitting the existence of intelligible beings, or
Of intelligible properties of sensuous things, although--as we have no
Conception either of their possibility or of their impossibility--it
Will always be out of our power to affirm dogmatically that they do not
Exist. In the explanation of given phenomena, no other things and no
Other grounds of explanation can be employed than those which stand
In connection with the given phenomena according to the known laws of
Experience. A transcendental hypothesis, in which a mere idea of reason
Is employed to explain the phenomena of nature, would not give us any
Better insight into a phenomenon, as we should be trying to explain what
We do not sufficiently understand from known empirical principles, by
What we do not understand at all. The principles of such a hypothesis
Might conduce to the satisfaction of reason, but it would not assist
The understanding in its application to objects. Order and conformity to
Aims in the sphere of nature must be themselves explained upon natural
Grounds and according to natural laws; and the wildest hypotheses, if
They are only physical, are here more admissible than a hyperphysical
Hypothesis, such as that of a divine author. For such a hypothesis would
Introduce the principle of ignava ratio, which requires us to give
Up the search for causes that might be discovered in the course of
Experience and to rest satisfied with a mere idea. As regards the
Absolute totality of the grounds of explanation in the series of these
Causes, this can be no hindrance to the understanding in the case of
Phenomena; because, as they are to us nothing more than phenomena, we
Have no right to look for anything like completeness in the synthesis of
The series of their conditions
Transcendental hypotheses are therefore inadmissible; and we cannot
Use the liberty of employing, in the absence of physical, hyperphysical
Grounds of explanation. And this for two reasons; first, because such
Hypothesis do not advance reason, but rather stop it in its progress;
Secondly, because this licence would render fruitless all its exertions
In its own proper sphere, which is that of experience. For, when the
Explanation of natural phenomena happens to be difficult, we have
Constantly at hand a transcendental ground of explanation, which lifts
Us above the necessity of investigating nature; and our inquiries are
Brought to a close, not because we have obtained all the
Requisite knowledge, but because we abut upon a principle which is
Incomprehensible and which, indeed, is so far back in the track of
Thought as to contain the conception of the absolutely primal being
The next requisite for the admissibility of a hypothesis is its
Sufficiency. That is, it must determine a priori the consequences
Which are given in experience and which are supposed to follow from the
Hypothesis itself. If we require to employ auxiliary hypotheses, the
Suspicion naturally arises that they are mere fictions; because the
Necessity for each of them requires the same justification as in the
Case of the original hypothesis, and thus their testimony is invalid
If we suppose the existence of an infinitely perfect cause, we possess
Sufficient grounds for the explanation of the conformity to aims, the
Order and the greatness which we observe in the universe; but we
Find ourselves obliged, when we observe the evil in the world and the
Exceptions to these laws, to employ new hypothesis in support of the
Original one. We employ the idea of the simple nature of the human soul
As the foundation of all the theories we may form of its phenomena; but
When we meet with difficulties in our way, when we observe in the soul
Phenomena similar to the changes which take place in matter, we require
To call in new auxiliary hypotheses. These may, indeed, not be false
But we do not know them to be true, because the only witness to their
Certitude is the hypothesis which they themselves have been called in to
We are not discussing the above-mentioned assertions regarding the
Immaterial unity of the soul and the existence of a Supreme Being as
Dogmata, which certain philosophers profess to demonstrate a priori, but
Purely as hypotheses. In the former case, the dogmatist must take care
That his arguments possess the apodeictic certainty of a demonstration
For the assertion that the reality of such ideas is probable is as
Absurd as a proof of the probability of a proposition in geometry. Pure
Abstract reason, apart from all experience, can either cognize nothing
At all; and hence the judgements it enounces are never mere opinions
They are either apodeictic certainties, or declarations that nothing can
Be known on the subject. Opinions and probable judgements on the nature
Of things can only be employed to explain given phenomena, or they may
Relate to the effect, in accordance with empirical laws, of an actually
Existing cause. In other words, we must restrict the sphere of opinion
To the world of experience and nature. Beyond this region opinion is
Mere invention; unless we are groping about for the truth on a path not
Yet fully known, and have some hopes of stumbling upon it by chance
But, although hypotheses are inadmissible in answers to the questions
Of pure speculative reason, they may be employed in the defence of these
Answers. That is to say, hypotheses are admissible in polemic, but
Not in the sphere of dogmatism. By the defence of statements of this
Character, I do not mean an attempt at discovering new grounds for their
Support, but merely the refutation of the arguments of opponents. All a
Priori synthetical propositions possess the peculiarity that, although
The philosopher who maintains the reality of the ideas contained in the
Proposition is not in possession of sufficient knowledge to establish
The certainty of his statements, his opponent is as little able to prove
The truth of the opposite. This equality of fortune does not allow
The one party to be superior to the other in the sphere of speculative
Cognition; and it is this sphere, accordingly, that is the proper arena
Of these endless speculative conflicts. But we shall afterwards show
That, in relation to its practical exercise, Reason has the right of
Admitting what, in the field of pure speculation, she would not be
Justified in supposing, except upon perfectly sufficient grounds;
Because all such suppositions destroy the necessary completeness of
Speculation--a condition which the practical reason, however, does not
Consider to be requisite. In this sphere, therefore, Reason is
Mistress of a possession, her title to which she does not require to
Prove--which, in fact, she could not do. The burden of proof accordingly
Rests upon the opponent. But as he has just as little knowledge
Regarding the subject discussed, and is as little able to prove the
Non-existence of the object of an idea, as the philosopher on the other
Side is to demonstrate its reality, it is evident that there is an
Advantage on the side of the philosopher who maintains his proposition
As a practically necessary supposition (melior est conditio
Possidentis). For he is at liberty to employ, in self-defence, the same
Weapons as his opponent makes use of in attacking him; that is, he has a
Right to use hypotheses not for the purpose of supporting the arguments
In favour of his own propositions, but to show that his opponent knows
No more than himself regarding the subject under 'discussion and cannot
Boast of any speculative advantage
Hypotheses are, therefore, admissible in the sphere of pure reason
Only as weapons for self-defence, and not as supports to dogmatical
Assertions. But the opposing party we must always seek for in ourselves
For speculative reason is, in the sphere of transcendentalism
Dialectical in its own nature. The difficulties and objections we have
To fear lie in ourselves. They are like old but never superannuated
Claims; and we must seek them out, and settle them once and for ever, if
We are to expect a permanent peace. External tranquility is hollow and
Unreal. The root of these contradictions, which lies in the nature of
Human reason, must be destroyed; and this can only be done by giving it
In the first instance, freedom to grow, nay, by nourishing it, that it
May send out shoots, and thus betray its own existence. It is our duty
Therefore, to try to discover new objections, to put weapons in the
Bands of our opponent, and to grant him the most favourable position
In the arena that he can wish. We have nothing to fear from these
Concessions; on the contrary, we may rather hope that we shall thus
Make ourselves master of a possession which no one will ever venture to
The thinker requires, to be fully equipped, the hypotheses of pure
Reason, which, although but leaden weapons (for they have not been
Steeled in the armoury of experience), are as useful as any that can
Be employed by his opponents. If, accordingly, we have assumed, from a
Non-speculative point of view, the immaterial nature of the soul, and
Are met by the objection that experience seems to prove that the growth
And decay of our mental faculties are mere modifications of the sensuous
Organism--we can weaken the force of this objection by the assumption
That the body is nothing but the fundamental phenomenon, to which, as
A necessary condition, all sensibility, and consequently all thought
Relates in the present state of our existence; and that the separation
Of soul and body forms the conclusion of the sensuous exercise of our
Power of cognition and the beginning of the intellectual. The body
Would, in this view of the question, be regarded, not as the cause of
Thought, but merely as its restrictive condition, as promotive of the
Sensuous and animal, but as a hindrance to the pure and spiritual life;
And the dependence of the animal life on the constitution of the body
Would not prove that the whole life of man was also dependent on the
State of the organism. We might go still farther, and discover new
Objections, or carry out to their extreme consequences those which have
Already been adduced
Generation, in the human race as well as among the irrational animals
Depends on so many accidents--of occasion, of proper sustenance, of the
Laws enacted by the government of a country of vice even, that it is
Difficult to believe in the eternal existence of a being whose life has
Begun under circumstances so mean and trivial, and so entirely dependent
Upon our own control. As regards the continuance of the existence of the
Whole race, we need have no difficulties, for accident in single cases
Is subject to general laws; but, in the case of each individual, it
Would seem as if we could hardly expect so wonderful an effect from
Causes so insignificant. But, in answer to these objections, we
May adduce the transcendental hypothesis that all life is properly
Intelligible, and not subject to changes of time, and that it neither
Began in birth, nor will end in death. We may assume that this life is
Nothing more than a sensuous representation of pure spiritual life; that
The whole world of sense is but an image, hovering before the faculty of
Cognition which we exercise in this sphere, and with no more objective
Reality than a dream; and that if we could intuite ourselves and
Other things as they really are, we should see ourselves in a world of
Spiritual natures, our connection with which did not begin at our birth
And will not cease with the destruction of the body. And so on
We cannot be said to know what has been above asserted, nor do we
Seriously maintain the truth of these assertions; and the notions
Therein indicated are not even ideas of reason, they are purely
Fictitious conceptions. But this hypothetical procedure is in perfect
Conformity with the laws of reason. Our opponent mistakes the absence
Of empirical conditions for a proof of the complete impossibility of all
That we have asserted; and we have to show him that he has not exhausted
The whole sphere of possibility and that he can as little compass that
Sphere by the laws of experience and nature, as we can lay a secure
Foundation for the operations of reason beyond the region of experience
Such hypothetical defences against the pretensions of an opponent must
Not be regarded as declarations of opinion. The philosopher abandons
Them, so soon as the opposite party renounces its dogmatical conceit
To maintain a simply negative position in relation to propositions which
Rest on an insecure foundation, well befits the moderation of a true
Philosopher; but to uphold the objections urged against an opponent as
Proofs of the opposite statement is a proceeding just as unwarrantable
And arrogant as it is to attack the position of a philosopher who
Advances affirmative propositions regarding such a subject
It is evident, therefore, that hypotheses, in the speculative sphere
Are valid, not as independent propositions, but only relatively to
Opposite transcendent assumptions. For, to make the principles of
Possible experience conditions of the possibility of things in general
Is just as transcendent a procedure as to maintain the objective reality
Of ideas which can be applied to no objects except such as lie without
The limits of possible experience. The judgements enounced by pure
Reason must be necessary, or they must not be enounced at all. Reason
Cannot trouble herself with opinions. But the hypotheses we have been
Discussing are merely problematical judgements, which can neither be
Confuted nor proved; while, therefore, they are not personal opinions
They are indispensable as answers to objections which are liable to
Be raised. But we must take care to confine them to this function
And guard against any assumption on their part of absolute validity, a
Proceeding which would involve reason in inextricable difficulties and
SECTION IV. The Discipline of Pure Reason in Relation to Proofs
It is a peculiarity, which distinguishes the proofs of transcendental
Synthetical propositions from those of all other a priori synthetical
Cognitions, that reason, in the case of the former, does not apply its
Conceptions directly to an object, but is first obliged to prove, a
Priori, the objective validity of these conceptions and the possibility
Of their syntheses. This is not merely a prudential rule, it is
Essential to the very possibility of the proof of a transcendental
Proposition. If I am required to pass, a priori, beyond the conception
Of an object, I find that it is utterly impossible without the guidance
Of something which is not contained in the conception. In mathematics
It is a priori intuition that guides my synthesis; and, in this case
All our conclusions may be drawn immediately from pure intuition
In transcendental cognition, so long as we are dealing only with
Conceptions of the understanding, we are guided by possible experience
That is to say, a proof in the sphere of transcendental cognition does
Not show that the given conception (that of an event, for example) leads
Directly to another conception (that of a cause)--for this would be a
Saltus which nothing can justify; but it shows that experience itself
And consequently the object of experience, is impossible without the
Connection indicated by these conceptions. It follows that such a
Proof must demonstrate the possibility of arriving, synthetically and a
Priori, at a certain knowledge of things, which was not contained in our
Conceptions of these things. Unless we pay particular attention to this
Requirement, our proofs, instead of pursuing the straight path indicated
By reason, follow the tortuous road of mere subjective association. The
Illusory conviction, which rests upon subjective causes of association
And which is considered as resulting from the perception of a real and
Objective natural affinity, is always open to doubt and suspicion
For this reason, all the attempts which have been made to prove the
Principle of sufficient reason, have, according to the universal
Admission of philosophers, been quite unsuccessful; and, before the
Appearance of transcendental criticism, it was considered better, as
This principle could not be abandoned, to appeal boldly to the common
Sense of mankind (a proceeding which always proves that the problem
Which reason ought to solve, is one in which philosophers find great
Difficulties), rather than attempt to discover new dogmatical proofs
But, if the proposition to be proved is a proposition of pure reason
And if I aim at passing beyond my empirical conceptions by the aid of
Mere ideas, it is necessary that the proof should first show that such
A step in synthesis is possible (which it is not), before it proceeds
To prove the truth of the proposition itself. The so-called proof of
The simple nature of the soul from the unity of apperception, is a very
Plausible one. But it contains no answer to the objection, that, as
The notion of absolute simplicity is not a conception which is directly
Applicable to a perception, but is an idea which must be inferred--if
At all--from observation, it is by no means evident how the mere fact of
Consciousness, which is contained in all thought, although in so far a
Simple representation, can conduct me to the consciousness and cognition
Of a thing which is purely a thinking substance. When I represent to my
Mind the power of my body as in motion, my body in this thought is so
Far absolute unity, and my representation of it is a simple one; and
Hence I can indicate this representation by the motion of a point
Because I have made abstraction of the size or volume of the body. But
I cannot hence infer that, given merely the moving power of a body
The body may be cogitated as simple substance, merely because the
Representation in my mind takes no account of its content in space, and
Is consequently simple. The simple, in abstraction, is very different
From the objectively simple; and hence the Ego, which is simple in the
First sense, may, in the second sense, as indicating the soul itself
Be a very complex conception, with a very various content. Thus it is
Evident that in all such arguments there lurks a paralogism. We guess
(for without some such surmise our suspicion would not be excited
In reference to a proof of this character) at the presence of the
Paralogism, by keeping ever before us a criterion of the possibility of
Those synthetical propositions which aim at proving more than experience
Can teach us. This criterion is obtained from the observation that such
Proofs do not lead us directly from the subject of the proposition to
Be proved to the required predicate, but find it necessary to presuppose
The possibility of extending our cognition a priori by means of ideas
We must, accordingly, always use the greatest caution; we require
Before attempting any proof, to consider how it is possible to extend
The sphere of cognition by the operations of pure reason, and from
What source we are to derive knowledge, which is not obtained from
The analysis of conceptions, nor relates, by anticipation, to possible
Experience. We shall thus spare ourselves much severe and fruitless
Labour, by not expecting from reason what is beyond its power, or rather
By subjecting it to discipline, and teaching it to moderate its vehement
Desires for the extension of the sphere of cognition
The first rule for our guidance is, therefore, not to attempt a
Transcendental proof, before we have considered from what source we are
To derive the principles upon which the proof is to be based, and what
Right we have to expect that our conclusions from these principles will
Be veracious. If they are principles of the understanding, it is vain to
Expect that we should attain by their means to ideas of pure reason;
For these principles are valid only in regard to objects of possible
Experience. If they are principles of pure reason, our labour is alike
In vain. For the principles of reason, if employed as objective, are
Without exception dialectical and possess no validity or truth, except
As regulative principles of the systematic employment of reason in
Experience. But when such delusive proof are presented to us, it is
Our duty to meet them with the non liquet of a matured judgement; and
Although we are unable to expose the particular sophism upon which the
Proof is based, we have a right to demand a deduction of the principles
Employed in it; and, if these principles have their origin in pure
Reason alone, such a deduction is absolutely impossible. And thus it
Is unnecessary that we should trouble ourselves with the exposure and
Confutation of every sophistical illusion; we may, at once, bring all
Dialectic, which is inexhaustible in the production of fallacies, before
The bar of critical reason, which tests the principles upon which all
Dialectical procedure is based. The second peculiarity of transcendental
Proof is that a transcendental proposition cannot rest upon more than
A single proof. If I am drawing conclusions, not from conceptions, but
From intuition corresponding to a conception, be it pure intuition, as
In mathematics, or empirical, as in natural science, the intuition which
Forms the basis of my inferences presents me with materials for many
Synthetical propositions, which I can connect in various modes, while
As it is allowable to proceed from different points in the intention, I
Can arrive by different paths at the same proposition
But every transcendental proposition sets out from a conception
And posits the synthetical condition of the possibility of an object
According to this conception. There must, therefore, be but one ground
Of proof, because it is the conception alone which determines the
Object; and thus the proof cannot contain anything more than the
Determination of the object according to the conception. In our
Transcendental Analytic, for example, we inferred the principle: Every
Event has a cause, from the only condition of the objective possibility
Of our conception of an event. This is that an event cannot be
Determined in time, and consequently cannot form a part of experience
Unless it stands under this dynamical law. This is the only possible
Ground of proof; for our conception of an event possesses objective
Validity, that is, is a true conception, only because the law of
Causality determines an object to which it can refer. Other arguments
In support of this principle have been attempted--such as that from the
Contingent nature of a phenomenon; but when this argument is considered
We can discover no criterion of contingency, except the fact of an
Event--of something happening, that is to say, the existence which is
Preceded by the non-existence of an object, and thus we fall back on the
Very thing to be proved. If the proposition: "Every thinking being is
Simple," is to be proved, we keep to the conception of the ego, which
Is simple, and to which all thought has a relation. The same is the
Case with the transcendental proof of the existence of a Deity, which is
Based solely upon the harmony and reciprocal fitness of the conceptions
Of an ens realissimum and a necessary being, and cannot be attempted in
Any other manner
This caution serves to simplify very much the criticism of all
Propositions of reason. When reason employs conceptions alone, only one
Proof of its thesis is possible, if any. When, therefore, the dogmatist
Advances with ten arguments in favour of a proposition, we may be sure
That not one of them is conclusive. For if he possessed one which proved
The proposition he brings forward to demonstration--as must always be
The case with the propositions of pure reason--what need is there for
Any more? His intention can only be similar to that of the advocate who
Had different arguments for different judges; this availing himself of
The weakness of those who examine his arguments, who, without going into
Any profound investigation, adopt the view of the case which seems most
Probable at first sight and decide according to it
The third rule for the guidance of pure reason in the conduct of a proof
Is that all transcendental proofs must never be apagogic or indirect
But always ostensive or direct. The direct or ostensive proof not only
Establishes the truth of the proposition to be proved, but exposes the
Grounds of its truth; the apagogic, on the other hand, may assure us of
The truth of the proposition, but it cannot enable us to comprehend
The grounds of its possibility. The latter is, accordingly, rather an
Auxiliary to an argument, than a strictly philosophical and rational
Mode of procedure. In one respect, however, they have an advantage over
Direct proofs, from the fact that the mode of arguing by contradiction
Which they employ, renders our understanding of the question more
Clear, and approximates the proof to the certainty of an intuitional
The true reason why indirect proofs are employed in different sciences
Is this. When the grounds upon which we seek to base a cognition are too
Various or too profound, we try whether or not we may not discover
The truth of our cognition from its consequences. The modus ponens of
Reasoning from the truth of its inferences to the truth of a proposition
Would be admissible if all the inferences that can be drawn from it are
Known to be true; for in this case there can be only one possible ground
For these inferences, and that is the true one. But this is a quite
Impracticable procedure, as it surpasses all our powers to discover all
The possible inferences that can be drawn from a proposition. But this
Mode of reasoning is employed, under favour, when we wish to prove
The truth of an hypothesis; in which case we admit the truth of the
Conclusion--which is supported by analogy--that, if all the inferences
We have drawn and examined agree with the proposition assumed, all
Other possible inferences will also agree with it. But, in this way, an
Hypothesis can never be established as a demonstrated truth. The modus
Tollens of reasoning from known inferences to the unknown proposition
Is not only a rigorous, but a very easy mode of proof. For, if it can
Be shown that but one inference from a proposition is false, then the
Proposition must itself be false. Instead, then, of examining, in an
Ostensive argument, the whole series of the grounds on which the
Truth of a proposition rests, we need only take the opposite of this
Proposition, and if one inference from it be false, then must the
Opposite be itself false; and, consequently, the proposition which we
Wished to prove must be true
The apagogic method of proof is admissible only in those sciences where
It is impossible to mistake a subjective representation for an objective
Cognition. Where this is possible, it is plain that the opposite of a
Given proposition may contradict merely the subjective conditions of
Thought, and not the objective cognition; or it may happen that both
Propositions contradict each other only under a subjective condition
Which is incorrectly considered to be objective, and, as the condition
Is itself false, both propositions may be false, and it will
Consequently, be impossible to conclude the truth of the one from the
Falseness of the other
In mathematics such subreptions are impossible; and it is in this
Science, accordingly, that the indirect mode of proof has its true
Place. In the science of nature, where all assertion is based upon
Empirical intuition, such subreptions may be guarded against by the
Repeated comparison of observations; but this mode of proof is of little
Value in this sphere of knowledge. But the transcendental efforts of
Pure reason are all made in the sphere of the subjective, which is the
Real medium of all dialectical illusion; and thus reason endeavours
In its premisses, to impose upon us subjective representations for
Objective cognitions. In the transcendental sphere of pure reason
Then, and in the case of synthetical propositions, it is inadmissible
To support a statement by disproving the counter-statement. For only
Two cases are possible; either, the counter-statement is nothing but
The enouncement of the inconsistency of the opposite opinion with the
Subjective conditions of reason, which does not affect the real case
(for example, we cannot comprehend the unconditioned necessity of the
Existence of a being, and hence every speculative proof of the existence
Of such a being must be opposed on subjective grounds, while the
Possibility of this being in itself cannot with justice be denied); or
Both propositions, being dialectical in their nature, are based upon an
Impossible conception. In this latter case the rule applies: non entis
Nulla sunt predicata; that is to say, what we affirm and what we deny
Respecting such an object, are equally untrue, and the apagogic mode of
Arriving at the truth is in this case impossible. If, for example, we
Presuppose that the world of sense is given in itself in its totality
It is false, either that it is infinite, or that it is finite and
Limited in space. Both are false, because the hypothesis is false. For
The notion of phenomena (as mere representations) which are given in
Themselves (as objects) is self-contradictory; and the infinitude of
This imaginary whole would, indeed, be unconditioned, but would be
Inconsistent (as everything in the phenomenal world is conditioned)
With the unconditioned determination and finitude of quantities which is
Presupposed in our conception
The apagogic mode of proof is the true source of those illusions which
Have always had so strong an attraction for the admirers of dogmatical
Philosophy. It may be compared to a champion who maintains the honour
And claims of the party he has adopted by offering battle to all who
Doubt the validity of these claims and the purity of that honour; while
Nothing can be proved in this way, except the respective strength of the
Combatants, and the advantage, in this respect, is always on the side
Of the attacking party. Spectators, observing that each party is
Alternately conqueror and conquered, are led to regard the subject of
Dispute as beyond the power of man to decide upon. But such an opinion
Cannot be justified; and it is sufficient to apply to these reasoners
The remark:
Non defensoribus istis
Tempus eget
Each must try to establish his assertions by a transcendental deduction
Of the grounds of proof employed in his argument, and thus enable us to
See in what way the claims of reason may be supported. If an opponent
Bases his assertions upon subjective grounds, he may be refuted with
Ease; not, however to the advantage of the dogmatist, who likewise
Depends upon subjective sources of cognition and is in like manner
Driven into a corner by his opponent. But, if parties employ the direct
Method of procedure, they will soon discover the difficulty, nay, the
Impossibility of proving their assertions, and will be forced to appeal
To prescription and precedence; or they will, by the help of criticism
Discover with ease the dogmatical illusions by which they had been
Mocked, and compel reason to renounce its exaggerated pretensions to
Speculative insight and to confine itself within the limits of its
Proper sphere--that of practical principles


text:
Rookie Year: Athletic Runner, use his athleticism to get in the passing lanes, and to get penetration to keep defenses honest. Check.
Sophomore Year: Bosh gone, someone needed to step up. It wasn't Bargnani, it was Derozan. A huge Point-per-game average from 8, to 17 points a game. Not to mention the mid-range jump-shot was his bread and butter, after not having any capability to shoot from ANYWHERE on the floor.
3rd Year: High expectations, and quite frankly, did not live up to it. He was inconsistent, with having 2 consecutive games of 20+ points, following the next 3-4 games with single digits. Not to mention that year was the most one-dimensional he's been. Although, he was a diamond in the rough with explosive numbers vs. New York, and New Jersey. Also had wonderful games vs. The Miami Heat.
4th Year: So far, has been a pleasure to watch. Grown in every aspect of the game. His ability to score now looks effortless with the different options he could go to; post-up, off the dribble, better % shooting from outside, and the constant penetration. Not to mention his defense has improved, and the ability to find people, get on the boards, and let the game come to him as improved significantly. Much more skilled, improved, MATURED player.
I don't know, Derozan isn't a real star, who makes the all-star game just after 3-4 years after being drafted, but he's working himself up there.


text:
F1 boss Ecclestone wins legal fight
Motorsport boss Bernie Ecclestone has won a legal fight with a German media company but was described as not "reliable or truthful" by a High Court judge.
Mr Justice Newey dismissed a claim for around £80 million in damages by Constantin Medien after a High Court trial in London.
But he concluded that Mr Ecclestone, 83, entered into a "corrupt agreement" with a banker nine years ago.
Constantin said it would appeal.
The judge described some evidence given by Mr Ecclestone, chief executive of the Formula 1 Group, as "unsatisfactory".
And he said: "Even ... making allowances for the lapse of time and Mr Ecclestone's age, I am afraid that I find it impossible to regard him as a reliable or truthful witness."
Constantin accused Mr Ecclestone of entering into a ''corrupt agreement'' with the banker to facilitate the sale of the Formula 1 Group to a buyer chosen by him.
The company said it had lost out as a result.
Lawyers said payments totalling about £27 million were made to Gerhard Gribkowsky - who was a ''senior ranking official'' at a German bank - at the instigation of Mr Ecclestone.
And they said a ''corrupt arrangement'' was entered into between Mr Ecclestone and Dr Gribkowsky in 2005.
Mr Ecclestone said Constantin's claim lacked "any merit'' and denied any conspiracy.
He said he paid Dr Gribkowsky £10 million because the banker insinuated that he would create difficulties with tax authorities.
Mr Justice Newey concluded that payments made were a "bribe".
He said they were made because Mr Ecclestone had entered into a "corrupt agreement" with the banker in 2005.
But he said no loss to Constantin had been proved and therefore the company's claim failed.
Mr Ecclestone is facing trial in Germany later this year after being accused of bribery. Those allegations also centre around claims relating to Dr Gribkowsky.
"Questions were asked, I answered them and I told the truth," said Mr Ecclestone after the ruling.
"This case was about the value of some shares. It was nothing to do with whether I did or didn't tell the truth, or whether I was unreliable or not."
He said he had "no idea" whether Mr Justice Newey's comments would affect any trial in Germany.
And he added: "The judge in England didn't have all of the central witnesses, and I wasn't there to defend whether I'm a liar or unreliable."
A spokesman for Mr Ecclestone said later: "The judge has expressed his opinion that on the balance of probabilities there was an unlawful agreement made with Dr Gribkowsky and that payments that Mr Ecclestone made for Dr Gribkowsky's benefit were a bribe, but this view is not underpinned by reliable evidence. The source of these allegations is Dr Gribkowsky himself, who did not give evidence in this case."
The spokesman added: "As such, the judge's opinion is expressed in the light of hearing only partial evidence that has not been properly tested."
And he went on: "Mr Ecclestone welcomes that he will have the opportunity to defend these bribery allegations properly in proceedings due to begin in Munich in April, when the relevant witnesses can be compelled to attend and be cross‐examined by his lawyers. He is confident that he will be acquitted."
Mr Justice Newey said in his ruling he had been analysing civil proceedings and had made findings on the basis of the ''balance of probabilities'' - not on the basis of ''beyond reasonable doubt'' required in a criminal trial.


text:
Automap is a fast map-based PHP autoloader. It resolves symbols using map files. These files are created offline by a program (included) which scans your script files and extracts their symbols. At runtime, map files are loaded by the main script and then used to resolve undefined symbols and load the corresponding PHP script files. An optional PECL extension is available to make it faster still.
Raccoon is a Google Play desktop client that allows you to download Android APK files to your desktop PC and archive them there. This allows you to check out apps anonymously without Google knowing you installed them, install an app on a secondary device which does not have access to Google Play or is not officially supported by the app in question, revert to a previous version in case an update causes trouble, conserve bandwidth on mobile devices by maintaining a local cache from which to distribute the apps, or check the permissions of an app from your desktop PC.
Admin4 is a tool for server maintenance via several plugin modules, running on Windows, Mac OS X, Linux, and many more platforms. Currently, plugins for BIND DNS, LDAP, and PostgreSQL are included. It is designed as a framework, using Python for fast development of plugins and custom modifications. The DNS plugin should be able to query (axfr) any type of server, and performs updates via DDNS, which ensures that it won't interfere with other DDNS clients (DHCP, SAMBA4). For BIND 9.7 and up, statistics are supported as well and used to retrieve the server's zones automatically. The LDAP plugin features browsing and generic editing of all types of LDAP entries with schema support. In addition, high-level editing of objects like users, groups and samba domains is supported. Custom objectClasses and attributes can easily be added. The PostgreSQL module features a query tool with centrally stored snippets, a data tool with filter presets and a database object browser.
Geo Bookmark is a simple widget that adds a bookmark with the current time and geographical position to the home screen. The interface is kept minimal to allow operation in situations that do not permit extensive interaction with the phone (e.g. while driving a car). Bookmarks are color coded. Blue icons represent exact locations, red icons mean that the widget could not get a GPS fix within 40 seconds and therefore recorded the last known location (which may or may not have been determined by means other than GPS). In order to view a bookmark, a suitable maps application needs to be installed (e.g. Google Maps or OSMAnd).
Smooth Build is a build tool which provides a functional language which lets you describe a build process in a simple and readable way. A build script for a simple Java program can be as simple as "app.jar: files("src") | javac | jar;" All built artifacts are cached and indexed (hashed) using the sha1 of the expression (function name and its arguments) which returned a given artifact. This way, Smooth never builds the same artifact twice.


text:
Home | Contact
us | Chassis Parts
Your Cart Contains
1961 Corvette Factory Assembly Manual
These manuals are copies of the manuals used on the assembly
line at General Motors and are a great help when restoring your vehicle.
Each manual contains detailed assembly drawings, original part numbers and
more. Manuals measure 8x10. They also contain technical information for
assembling the car. GM authorized copies. Note: Assembly manuals,
are reproduced from copies made for use inside the factory, and were never
originally intended for public use. Therefore, the print varies and some
pages can be occasionally light. The print quality is the best currently
available. Loose leaf format, Binder not included.
Sample Page


text:
Wellness Spending Doubles Since 2009: Survey
Employers have doubled their spending on wellness incentives in the last four years, new research finds.
According to a new employer survey conducted by Fidelity Investments and the National Business Group on Health out Wednesday, employers plan to spend an average of $521 this year per employee on wellness-based incentives within corporate health care programs, double the per employee average of $260 reported in 2009.
That's also a 13% jump from the average of $460 reported for 2011.
Growth is particularly evident in the mid-sized market, as 77% of employers plan to offer wellness-based incentives in 2013, more than double the 38% of mid-market employers that offered wellness-based incentives in 2010.
"As the cost of providing health care continues to increase, employers recognize one of the key ways to manage their company's costs is to incent their workforce to lead a healthier lifestyle," Adam Stavisky, said senior vice president of Fidelity's benefits consulting business.
"Employers of all sizes have embraced wellness-based incentives to help control costs, and companies are now looking at ways to design and optimize their programs to maximize their positive impact on health for both the organization and employees," Stavisky said.
The survey also found that the overall use of wellness-based incentives among corporate employers continues to increase. Nearly nine out of 10 employers surveyed indicated that they currently offer wellness-based incentives (86%), an increase from 73% from 2011 and 57% from 2009.
The most popular wellness-based incentives continue to be a decrease in premiums (61%), cash or gift cards (55%) or an employer-sponsored contribution to a health savings account or similar heath care-based savings vehicle (27%).
This year a majority of employers (54%) will expand their wellness-based incentives to include dependents, up from 45% in 2011. And roughly half will now include spouses/dependents in communications about wellness programs.
But employers want employees to do some of the work, too: 15% of employers surveyed are requiring employees to complete some sort of health activity—such as an employer-sponsored biometric screening or health risk assessment—in order to determine their eligibility for one or all of the company's health plans in 2013.
The survey results also show that 10% of employers will be requiring employees to complete an HRA or risk being defaulted into a less attractive subset of the company's health plan, while 7% of employers indicated failure to complete a biometric screening would result in being defaulted into a less attractive subset of their company's health plan.
In addition, 3% of employers indicated that failure to complete an HRA or biometric screening would result in loss of benefits for 2013.
This article was originally posted at BenefitsPro.com, a sister site of Credit Union Times.


text:
I made a previous thread that hinted at the Sarutobi and possibly most, if not all, clans under the class of Senju or Uchiha: http://www.narutobase.net/forums/sho...d.php?t=286527
Building upon this theory, I looked deeper into Kakashi Hatake, and this thought came up, "Is the Hatake clan also Senju under this presumption?"
I found this interesting manga page that might be addressing a correlation, and may explain why Kakashi is able to use the Sharingan:
Now we know that when we talk about Senju's we mostly address their bodies, and here Kakashi's body is "Suitable" according to Itachi, to accommodate the Sharingan, though not perfectly.
In other places we see Sharingan users being able to accommodate Senju DNA too:
Thoughts? Opinions?


text:
By Lanfranco Aceti|2012-05-16T13:57:53+00:00May 16th, 2012|0 Comments
About the Author: Lanfranco Aceti
Lanfranco Aceti works as an academic, artist and curator. He is the Director of the Arts Administration Program at Boston University. He is the Founder and Director of The Studium: Lanfranco Aceti Inc., of OCR (Operational and Curatorial Research in Contemporary Art, Design, Science and Technology) and MoCC (Museum of Contemporary Cuts).


text:
Church-Based Michigan Credit Union Closed, Liquidated
The Michigan Office of Financial and Insurance Regulation Tuesday liquidated the $168,865 Amez United Credit Union of Detroit and appointed the NCUA as liquidating agent.
OFIR made the decision to liquidate the 158-member Amez United and discontinue operations after determining the credit union was insolvent and had no prospect for restoring viable operations. It is the second federally insured credit union liquidation in 2013.
Amez reported a net profit of $1,153 for 2012 and also turned a profit last year. The credit union had nearly 16% net worth as of 2012 year-end, and it's a good thing, because it also reported nearly 16% delinquent loans during that period.
Loan quality was an issue, with delinquencies as high as 35.42% as of fourth quarter 2011 and charge offs running 25.80% in first quarter 2012. However, Amez had credited back previous charge offs during the third and fourth quarter 2012.
Originally chartered in 1961, Amez United Credit Union served registered members of the churches in the Detroit district of the Michigan Conference of the African Methodist Episcopal Zion Church.
Members' deposits are federally insured by the NCUSIF, and the NCUA said its Asset Management and Assistance Center will issue checks to individuals holding verified share accounts in the credit union within one week.


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Mobility Matters: FIS Bets on a Mobile Future
Call it a winter coincidence, or maybe it is a portent of deep meaning, but in the past couple of months Brookfield, Wis.-based Fiserv did a major deal to bring core system developer Open Solutions under its tent, whereas Jacksonville, Fla.-based arch-rival FIS plunked down its bet on leading mobile banking app develop mFoundry.
Talk about wildly different strategies.
Fiserv has gone on the record about the meaning of its gamble.
Now, in an exclusive Credit Union Times interview, Susan Hawkins, group executive and general manager, eBanking, Mobile and Commercial Treasury Solutions, at FIS, explained what the mFoundry acquisition means to FIS – and to its credit union customers.
"Mobile is a big part of banking's future and our plan," said Hawkins, "is to work to find ways for financial institutions to play major roles in mobile payments, person-to-person payments and the rest."
The era of hesitation about mobile is over, said Hawkins. "No one wants to be the last CIO to implement mobile banking."
She added: "Mobile banking is banking's fastest growing channel and it also is the lowest-cost channel."
The market potential for a mobile banking app developer is enormous. Best guesses are that perhaps around 4,000 banks and credit unions presently have some kind of mobile banking (however simple the implementation).
In round numbers, that would leave as many as 10,000 institutions in search of a mobile banking app. Even assuming significant attrition among the smaller institutions, there has to a market of at least 4000 currently in need of mobile banking, many more when the first round adopters accept their need to upgrade into a more robust app.
Before the mFoundry acquisition, FIS ranked fourth in mobile banking app installations with around 600. Fiserv was number 1 with around 1,100, mFoundry 2 with 900 and Intuit 3 with a tick over 600, according to well-informed sources. Post acquisition, FIS vaults into a big lead over second-place Fiserv.
Note, too, that the FIS installed base was essentially built on mFoundry under a different label because FIS some years ago had invested in mFoundry and had acquired some rights to resell its technologies.
mFoundry also has had success with retail point of sale apps – it is behind the Starbucks mobile app, which many experts point to as the biggest mobile wallet triumph around – and, suggested Hawkins, FIS will be looking for more retailers with whom it can partner on mobile wallet apps.
Hawkins in the interview was adamant that the acquisition of mFoundry was not a one-and-done deal, that FIS's intent is to leverage the skills and expertise of the mFoundry core employee group – who will remain in Marin County, California, she said – and to nurture the team so that a "center of excellence" flourishes.
An mFoundry differentiator is that, at last fall's BAI conference, company CEO Drew Sievers announced that mFoundry planned to open up its banking app, allowing financial institutions to insert (or not) third-party apps such as P2P tool Dwolla and gift card company BlackHawk Network.
Hawkins indicated that under FIS's ownership, there was no intent to close the app, that the open architecture trumpeted by Sievers would remain.
She elaborated: "We see financial institutions getting a choice between Dwolla and the FIS P2P product," the so-called People Pay tools unveiled by FIS a month ago.
As for mFoundry, industry observers said that what it got out of being acquired is that the deal let it pay off its early investors – Silicon Valley capital has never been known for its patience – and the arrival of FIS's comparatively much-deeper pockets would allow the company to more aggressively invest in mobile app R&D and at least potentially to create products that will keep up with the ever-slicker apps coming out of money center banks.
That could position the FIS-owned mFoundry to grab a growing market leadership.
Hawkins did not disagree with the belief that FIS will fund R&D. "We plan to continue and accelerate what mFoundry has done."
She added: "I believe FIS is in the lead in mobile banking today" – and she left little doubt that the intent is to hold onto that lead.


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Lucas is only looking after 1 thing and thats Lucas. He has never heard of a bad shot in his life! Offense and defense stops when he is out there.
Lucas is only looking after 1 thing and thats Lucas. He has never heard of a bad shot in his life! Offense and defense stops when he is out there.
JV had a nice game tonight against the Hawks....He had 4 And1s. 4 of them!
JV nicknames??????
Ones I already have heard/read....
-The Lethaluanian (I like it on paper, kind of a strain on the tongue)
-The Big Lithuanian Fundamental (not original enough to be main one, but a nice tribute if he keeps improving)
I got nothing
-I always want to call him Gandalf, from that clip of him last year at the LKL all-star game.
Ideas? Something you've heard somewhere? Lets bring back real NBA nicknames, and not just lame ones like CP3 and CB4. JV17 just sounds like a juvey league.
Big V
The Barbarian
The Baltic Beast
The Baltic Beast is my favorite, and I reserve the right to call him that from now on
*Lithuania is the largest of 3 Baltic states
The Baltic Beast is unstoppable!
Well if it spreads, I claim originality! LOL!
The Baltic Beast is unstoppable!
white men can't jump -> What about Vandalf or Valdalf ? Doesn't sound very awesome but makes a lot of sense.
enlightment -> Baltic Giant (Lithuanian NT were called Baltic Giants in 2010 FIBA world champ)
Burning Heart? Reflects the attitude with which he steps in to the court
The Baltic Barbarian/Beast/Giant/Behemoth/Brobdingnagian/Titan/Colossus/Leviathan
My favorites are:
The Baltic Barbarian, Baltic Beast, Baltic Behemoth, Baltic Colossus, and Baltic Leviathan (sounds almost like Lithuanian)
Baltic Beast roles of the tongue the best, but The Baltic Leviathan is a siiiiiiiiiiiiiiiick name.
The Baltic Beast is unstoppable!
I'm going with the Lethalanian
All the Baltic ones are not bad....anything with that alliteration is good....Beast, Behemoth, Barbarian....and @enlightenment, I reallly like Leviathan as well
*I would probably use Beast as the standard one though as well.
**Although it's quite a bit smoother without the "u", as Lethalanian, and not Lethaluanian
Last edited by white men can't jump; Tue Apr 2nd, 2013 at 11:17 AM.
I thought Kleiza was the Lithuanian Launcher.
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WiMAX is one of the mobile technologies that promised so much and ultimately was not able to deliver on its promises -- at least on the scale that most people hoped. Sprint began talking up its Xohm service in early 2008.
About the time Sprint put its plans for its Xohm WiMAX service into motion, it began to hemorrhage profits and subscribers leading to a much smaller soft launch than what Sprint had initially hoped for. USA Today reports that Sprint is finally launching its first commercial WiMAX network in Baltimore.
The Baltimore network will operate under Sprint's Xohm brand and will offer subscribers access to wireless data speeds of 2 to 4 Mbps depending on the network load. Pricing for the service is downright cheap at $10 for a day pass of unlimited use and monthly plans starting at $35 per month both without contracts.
Users needing more service can get unlimited usage for $50 per month. Any plan opted for requires a WiMAX aircard or modem that retail for $45 each. The catch to the Baltimore network is that at launch it will only serve the downtown area. This is not quite what Sprint had promised when we first heard of Xohm with promises of seamless connectivity over an entire city.
USA Today quotes Lee Mellon, a field tech from Sprint saying, "The network, which provides a lot of bandwidth, can also handle high-definition video streaming, peer-to-peer file sharing and other capacity-guzzling applications."
DailyTech reported that Sprint's oft-delayed Xohm service would be joined with Clearwire to form a company that will operate under the Clearwire brand to pursue a nationwide WiMAX network in May. Sprint promised its first commercial WiMAX network would come this fall, and for once it will be able to live up to its promises with Xohm.
Baltimore won't be the only major city getting WiMAX networks between now and the beginning of 2009. Other cities including -- Washington, D.C., Portland, Ore., Philadelphia, Dallas/Fort Worth and Chicago all have WiMAX networks under construction.


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Lets be a masochist here and torture the Bosh-haters (including me), but lets say, in some weird scheme (stars and planets aligned, seas calmed down), with Bosh not liking his situation in Miami, he calls a truce with BC and Triano, asks Miami for a trade and says I made a mistake and I want to come back to Toronto.
Would you give up either Amir or Davis to get Bosh back? I mean feelings aside, Bosh is still a double-double monster if he is the #1 option on the team. If it meant shipping out Andrea, would you consider getting Bosh back?
Do you think he is still worth rebuilding with? The Raps can either draft or sign a center and wing, with the nice picks and cap space....
Personally, if i would consider my emotions, fuck no. But feelings aside, id probably consider a Bargnani-Johnson-Anjinca for Bosh trade.
I know im gonna get pounded for this post but, what the heck.
Any thoughts?


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Ricotta Toasts with Turkish Figs and Spring Blossom Honey
Ever since making B&G Oyster's inspired arugula, blood orange and ricotta salad, I have been on a bit of a ricotta kick – incorporating it into salads, dolloping it on strawberries and, more recently, experimenting with it on bruschetta-like toasts. Quick and easy to put together, they are effectively a kind of open-faced sandwich. Ideal as appetizers, I find that in this heat they can also be ample for a light dinner.
The first time around, I did my ricotta toasts three ways: the first was plain, the second was drizzled with balsamic vinegar and, on the third, I rained down pieces of dried Turkish fig, finishing with a drizzle of Carlisle's spring blossom honey. I tried them in that order. The plain one was good and the balsamic vinegar one was even better – I tried that combo because, when visiting an acetaia near Bologna, we sampled balsamic vinegar drizzled on ricotta from the Parmigiano Reggiano dairy we had visited that morning – spectacular!
In this case, however, I have to say that it was the third combo that was my top choice. The produce team have been getting in dried figs that are as close to perfect as you can get: moist, tender and flavorful. They're so good that I have been taking them home for straight up snacking. And, on toasts, combined with Carlisle's buttery honey and the milkiness of ricotta, I was only bummed that I hadn't made more!
Ricotta Toasts
Serves: 2-3 (as appetizers)
6 slices of baguette (or a non-sourdough bread)
Extra virgin olive oil
Salt and pepper
1 cup fresh ricotta
4-6 dried Turkish figs
Carlisle's spring blossom honey (for drizzling)
Preheat the oven to 350°F. Line a baking sheet with parchment paper and lay out your baguette slices. Drizzle with olive oil, flip over, and drizzle on the second side. Sprinkle with salt and pepper. Bake for 5 minutes or until the toasts start to crisp up (this helps avoid sogginess when you put the cheese on top).
Remove from the oven and spread a layer of ricotta on each toast. Return to the oven and bake for roughly 10 minutes. Be vigilant – ideally the top of the ricotta browns a little but whether this happens and how long it takes will depend on the moisture content of your cheese. I sometimes finish mine off for a minute or two under the broiler to get that hint of gold on the ricotta peaks.
While your toasts are baking, chop your figs into small pieces and have your honey at the ready. When the toasts come out, sprinkle over the fig pieces and drizzle on a small amount of honey. Consume as soon as possible to maximize the contrast of the crunchy toasts and the soft, creamy cheese. Enjoy!
Mary is a baker and cheesemonger at Formaggio Kitchen Cambridge.


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AutoVentshade Ventvisor Window Deflectors 94550
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High speeds or inclement weather can prevent you from getting fresh air on the road. With AVS Ventvisor Window Deflectors you can avoid that stuffy, smoky ride. They're made from durable, rust-free ABS to handle high speeds and even sustain hits from rocks and debris. Now you can crack your windows for fresh air, even on the highway or in a rainstorm.
Installing your AVS Vent Visors is a simple task - they quickly attach to your vehicle with pre-applied, automotive-grade tape (select vehicles feature an in-channel installation). In a few minutes you'll be ready to go, without doing any drilling or modifications. And your Deflectors are designed specifically for your vehicle, so you'll get a perfect custom fit. Choose a 2-piece (front or rear) or 4-piece (front and rear) set of AVS Window Visors for your ride. All are custom-designed to fit your specific ride and come in sleek Smoke or Chrome-Plated finishes. That's right, no cheap paint or flaky films here - Auto Ventshade genuinely chrome plates their Deflectors for a lifetime of great looks.
Keep the noise down and keep your ride looking slick with AVS Vent Visor Window Deflectors. Backed with a Lifetime Warranty.
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Showing 4 of 1396 reviews. See All Reviews.
Very happy with this product. Very useful and I recommend these AVS ones to anyone looking to buy rain guards.
Install Time: Under 30 minutes
Good product. Does just what it's designed to do.
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Looks great.
Install Time: Under 30 minutes
Nice looking product and uncomplicated to install. Sorry I didn't install this product earlier. I can now leave the windows cracked slightly open behind the ventvisors as a logical means to vent heat buildup in the car interior on hot days and they also keep rain from dripping into the car.
Install Time: Under 30 minutes
Showing 4 of 1396 reviews. See All Reviews.


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Japan opens quest for third Classic title at home
By Jason Coskrey / Special to MLB.com
Two-time defending World Baseball Classic champion Japan is back for a run at a third title, albeit with some familiar faces missing.
Japan's entire contingent of Major League stars -- a who's who of Japanese baseball that includes Yu Darvish, Ichiro Suzuki and two-time Classic MVP Daisuke Matsuzaka -- passed on the chance to suit up this time around, making way for rising stars such as Tohoku Rakuten Eagles pitcher Masahiro Tanaka, Yomiuri Giants shortstop Hayato Sakamoto and a host of others as new manager and Japanese baseball Hall of Famer Koji Yamamoto attempts to equal the feat of Sadaharu Oh in 2006 and Tatsunori Hara in '09 by bringing home the title.
|Bracket | Full scoreboard
The Japanese will enjoy home-field advantage in the first round, as they did in 2009, with Pool A to be held at Fukuoka, Japan's Yafuoku Dome, home of Nippon Professional Baseball's Fukuoka SoftBank Hawks, who have placed outfielder Seiichi Uchikawa, third baseman Nobuhiro Matsuda and pitchers Tadashi Settsu, the 2012 recipient of the Sawamura Award (given to Japan's top pitcher), Masahiko Morifuku and Kenji Otonari under Yamamoto's care this spring.
Hoping to stand in the way of another Japanese coronation is a Cuban team hungry for success in the Classic after falling to Japan in the 2006 final and being bundled out of the '09 tournament in the second round.
Joining the two baseball powers in Pool A is Classic newcomer Brazil, managed by Hall of Famer Barry Larkin, and China, which is competing in the tournament for the third time.
Japan and Cuba are the teams to beat in Pool A, with China and Brazil hoping to play the role of spoiler.
The following is a look at the four teams who make up Pool A:
The Brazilians pulled off a shocker during the qualifying round by beating Panama, 1-0, to secure the final spot in the World Baseball Classic.
Baseball is still growing in Brazil, where soccer reigns supreme, but Larkin is helping to raise the game's profile as the national team manager.
Brazil made the long journey to Fukuoka from South America, but many of the Brazilians should feel right at home as the roster includes a number of players, including the Tokyo Yakult Swallows' Daniel (Yuichi) Matsumoto and Rafael Fernandes, who are currently plying their trade in either Nippon Professional Baseball or the Japanese industrial league.
Unfortunately, they'll be without their best player, Indians catcher Yan Gomes, Brazil's first Major Leaguer.
The Brazilians figure to be a bit offensively challenged, hoping that getting a good performance from their pitchers the key to picking up a victory in their first Classic, with China looking like the most likely victim. Beyond that, with Cuba and Japan lurking, the waters are probably too rough for Larkin's squad to safely navigate.
China earned its first World Baseball Classic victory in 2009, but the nation is still a ways off from competing against Japan and Cuba.
Success this year looks like an especially tall order, given that all but eight members of the Chinese roster (including 10 of 13 pitchers and all three catchers) were a part of the squad that was outscored, 23-1, by Taiwan's Lamigo Monkeys (14-1) and Korea's Samsung Lions (9-0) in two Asia Series losses in November.
China's prospects took another hit before the Classic, when the team learned Kansas City Royals pitcher Bruce Chen would not be added to the roster. Chen's absence puts even more pressure on other notable Chinese pitchers Xia Lou and lefty Tao Bu.
Despite Chen's absence, the Chinese have a U.S. connection in infielder Ray Chang, a veteran of eight Minor League seasons. Speedy outfielders Xiao Cui and Zhenhong Lu are two other players to keep an eye out for.
Baseball is still a developing sport in China, so the team will be short on experience on the field. Fortunately that won't be the case in the dugout, where former Seattle Mariners skipper John McLaren will be calling the shots and former Houston Astros, New York Mets and Oakland Athletics manager Art Howe serving as his hitting coach.
The downside is neither McLaren nor Howe will be on the field, where the Chinese could be in for a bumpy ride.
The International Baseball Federation, the sport's world governing body, ranks Cuba as the No. 1 team in the world -- followed by the U.S. and Japan -- and the 2006 Classic finalists are looking to affirm that designation by winning it all this time around.
Although without slugging outfielder Yoenis Cespedes, who defected in 2011 and spent the past season with the Athletics, Cuba could still be dangerous at the plate.
Opposing pitchers have to be especially wary of Jose Abreu and Alfredo Despaigne, two of the most potent hitters in Cuba.
Abreu had a huge season playing for Cienfuegos during the 2011-2012 campaign in Cuba's Serie Nacional, batting a league-best .394, with 35 home runs, 99 RBIs and an OPS of 1.379 in 87 games. Not to be outdone, Despaigne put up a .326/.479/.695 line for Granma and led the league with 36 home runs and 105 RBIs.
The Cubans have another potential impact player in stalwart Frederich Cepeda, an all-tournament selection in 2009 after finishing a scorching 12-for-24 with a pair of doubles, three home runs and 10 RBIs in six games. Infielder Yulieski Gourriel presents another threat on a Cuban team that can hold its own against any in the 16-team field.
The Cubans also benefit from a wealth of experience on the mound with a number of players having pitched in either the 2006 and '09 (or both) editions of the Classic.
Two of them, Yadier Pedroso and Freddy Alvarez, were the starters during Cuba's two-game exhibition series against Japan in November. The Cubans dropped both games, and will be out for revenge when the teams square off to close out Pool A on Wednesday, March 6.
Without its Major League stars, Japan will field an entirely domestically based team with veterans such as Yomiuri Giants catcher Shinnosuke Abe, Hokkaido Nippon Ham Fighters outfielder Atsunori Inaba and Tohoku Rakuten infielder Kazuo Matsui, the only Japanese player with Major League experience, leading a host of young players into battle.
Eagles right-hander Masahiro Tanaka (the 2011 Sawamura Award winner) leads a talented pitching staff, and the Hiroshima Carp's Kenta Maeda (the 2010 Sawamura winner) and Giants lefty Tetsuya Utsumi (the 2012 Japan Series MVP) are joining him on the front lines, with sidearming submarine reliever Kazuhisa Makita of the Seibu Lions lurking in the back of the bullpen.
Abe, who hit .340, with 27 home runs and 104 RBIs for the Giants in 2012, will bat at the heart of a lineup built to get on base and manufacture runs.
Abe and Fighters slugger Sho Nakata are among the few real power threats for the Japanese, who will again rely on pitching and defense to carry the day.
Jason Coskrey is a contributor to MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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Sequester Deadline Arrives: More Credit Unions Commit to Help
A growing number of credit unions nationwide are prepared to help members navigate financial hardship caused by the sequestration.
Barring last-minute action by Congress, the sequester and its automatic budget cuts and possible furloughs, can begin late Friday. Some workers could see their paychecks cut by as much as 20%, with a one-day-per week furlough.
Randolph-Brooks in Live Oak, Texas, and APG in Edgewood, Md., said they will offer assistance to members who may be affected by sequester-related budget cuts.
Qualifying members at Randolph-Brooks, which has $5.3 billion in assets and more than 416,000 members, can withdraw funds from CDs without paying penalties and can take advantage of interest-free loans, with no payment due until December.
Aberdeen Proving Ground, or APG, with assets of $936 million and 98,000 members, said it will provide members with loan assistance, expedited approvals and free financial advice.
"By providing resources to assist members dealing with sequestration, we hope to make their lives and finances a little less stressful,'' said Mark Sekula, chief lending officer for RBFCU. ''While we can't affect government decisions on payments and furloughs, we can give our members tools to handle a sudden decrease in pay, to make the next several months more manageable.''
Also joining in:
- The $268 million, 68,000-member CPM FCU in North Charleston, S.C., will offer members directly affected by job furloughs one-time only unsecured personal loans equal to one month's pay, up to $2,000 at 3% APR, with no payments for the first 90 days. Qualifying members must have direct deposit, and can also receive help with loan modification or due-date extensions. In addition, CPM members affected by job layoffs can make penalty-free withdrawals on CDs.
- Northwest Federal Credit Union in Herndon, Va., will provide loans up to $10,000 at zero-percent interest for any members who may be affected by government layoffs. Northwest, with $2.5 billion in assets and 126,000 members, also will waive early withdrawal penalties on CDs.
- Tobyhanna Federal Credit Union, Scranton, Pa, with 22,000 members and $166 million in assets, will offer furloughed members loans of up to $7,000 at no interest, and the option to skip up to four payments on existing loans without penalties.
- Belvoir Federal Credit Union in Woodbridge, Va., with $299 million in assets and 27,000 members, said it would offer low-interest emergency loans and penalty-free skipped loan payment options to furloughed members.