text:
(Masshuru-Muton: Shuju no Dokusei ) Mushroom Style: Toxic Dwarf
Rank: A
Rank: Short-Mid
Chakra Cost: 30
Damage Points: 60
Description: Creates one large mushroom anywhere within range, with either a bright red top with orange particles, black with purple waves, white with yellow stripes, or grey with sporadic holes.
If red, the mushroom will release a blinding mist of spores that will secrete a liquid that causes irritation to the eyes, nose and throat of anyone who inhales them.
If black, the mushroom will release an odorless, colorless mist with hallucinogenic properties, making them see a party of dwarfs all around them, which will forcefully distract them from the fight.
If white, the mushroom will emit a poofy mist of spores which will allow the cap and surrounding surfaces to withstand large impacts, absorbing it's momentum and send it back, bouncing the impact. (5 meters max) Poofy spores aren't breathable.
If grey, it will act like a vacuum whenever the user preforms an handseal (counts as the same technique). Thus able to suck up any small particles in the air (Poison, toxines, sand, lethal chemicals) up to the maximum range of this technique, absorbing and neutrilizing them into their harmless by-products, up to one rank above of this technique.
The mushroom will release it's toxins over the course of 3 turns, at the end of which it will decay. The mists will take 1 full turn to spread through the max reach (about 20 meters all around the mushroom)
*Only one mushroom at a time*
*Must wait 2 turns after the mushroom decays in order to use the jutsu again*
*The user and her summons aren't affected by neither mist. Allies can be given antidotes beforehand, which will only last 5 turns in the organism
(Masshuru-muton: Mahou Momsuta-mokuren ) Mushroom Manner: Monstrous Murk-Dweller Mandrake
Rank: S
Type: Supplementary
Range: Short-Long
Chakra Cost: 40
Damage Points: 80
Description: 6 marks materialize a monstrous and massive mountainous mindless moorish and malodorous militant mandrake-like mesh of mold, mirroring the measures of monarchical monsters. It's muddy materials are malign, menacing, malevolent and not merciful, melancholy melting mischievous miscreants, the miserable menaces to it's maternal master. It's moaning moldy mouth of mire is master of Mushrooms, up to it's mark. The mesh of mold may materialize a myriad no more than 6 miniature monsters from it's might, mischievous militant mini murk-dwellers. The murderous musky mandrake mockingly manages a myriad of no more than 4 move-sets before it's muted. Moribund it is made milky and messy, melting mile-wide and measly.
*Mushrooms managed by the Monstrous Murk-Dweller Mandrake are 1 mark more mighty than mundane Mushrooms*
*1 monotonous use*
Note in current english: Creates a madrake-like structure of fungus of the size of a boss summoning. It's body has the same yet enhanced effects of normal main-release Mushroom. It can use mushroom techniques up to its ranked, whose effects get enhanced 1 rank. Is able to spit out mini copies of itself, up to 6. Lasts 4 turns if unblocked, can only be used once and requires 6 handseals. When the jutsu ends, the fungus just falls on the ground like it lost the force that was keeping it together.
General note, this was checked ahead of line just because I requested the re-post.


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Chemotherapy uses drugs to destroy bladder cancer cells. The drugs enter the bloodstream and travel through the body to the cancer cells. Chemotherapy may be used:
- Before surgery—to shrink the tumor and decrease the amount of tissue that needs to be removed
- After surgery—to kill any remaining cancer cells and decrease risk of return
- In combination with radiation therapy—if surgery is not an option
- To help relieve symptoms of metastatic cancer and extend survival time
Chemotherapy Drugs and Delivery
There are a variety of chemotherapy drugs. The choice and combination of drugs will be based on your particular cancer and reaction to drugs. Chemotherapy drugs for bladder cancer may include:
- Cisplatin
- Fluorouracil (5-FU)
- Mitomycin
- Doxorubicin
- Gemcitabine
- Methotrexate
- Vinblastine
- Carboplatin
- Paclitaxel
- Docetaxel
Chemotherapy for bladder cancer is most often given through an IV. It is delivered in cycles over a set period of time. A medical oncologist will determine how many cycles of chemotherapy are needed and what combination of drugs will work best.
Chemotherapy may also be delivered directly into the bladder. Intravesical chemotherapy places a liquid agent directly into the bladder. The liquid may be a chemotherapy drug or a biologic agent that provokes the immune system into launching an attack on the cancer cells.
Side Effects and Management
Though the drugs are targeted to cancer cells, they can affect healthy cells as well. The death of cancer cells and impact on healthy cells can cause a range of side effects. A medical oncologist will work to find the best drug combination and dosage to have the most impact on the cancer cells and minimal side effects on healthy tissue. Side effects or complications from chemotherapy may include:
- Bloody urine
Bladder irritation causing:
- Frequent need to urinate
- Urgent need to urinate
- Pain and/or burning with urination
- Nausea and vomiting
- Diarrhea
- Fatigue due to anemia
A variety of treatments are available to help manage side effects including medication, lifestyle changes, and alternative treatments. In some cases, the chemotherapy regimen may be adjusted to reduce severe side effects. The earlier the side effects are addressed, the more likely they will be controlled with a minimum of discomfort.
Revision Information
- Reviewer: Michael Woods, MD
- Review Date: 05/2015 -
- Update Date: 06/30/2015 -

subset: commoncrawl


text:
More money, more production
Was worth the money last season, so repeat that
I see Demar constantly improving in all areas ... he knows his weaknesses and if he's seeking out assistance from one of the best one-on-one defenders in league history, I'll consider that another positive step.
I'm not ready to give up on him just yet ... quality guy on a not so quality team. Tony Allen or Thabo do not make the Raps a winner. So I guess you're right ... jury's out, but they're leaning towards acquittal.
I don't think anyone is complaining about DeRozan's work ethic.
It's just that the results leave a lot to be desired. I see a lot of people praising his "improvements". But he went from "completely awful" to "mediocre". Yeah he's improved, but he's still well below what he need to be.
IMO, DeRozan needs to significantly improve his shooting (both mid-range and 3-point), ball-handling, rebounding, defence....and most importantly, his consistency. 34 points is nice, but when you follow it up just 42 total points over your next 3 games, that's big a problem. Teams cannot rely on players who don't perform the same way night in night out.
Last edited by Nilanka; Wed Mar 6th, 2013 at 09:35 AM.
Inconsistency is the issue.
If DeMar was consistent I would give him my Raptor heart.
It is very difficult not to be impressed by the article.
Work ethic and desire plus the commitment to see it through are rare attributes especially once (with proper management) money is set for life.
even the great MJ needed ball handlers and shooters
Having said that, the best improvement in DeMar's game to me has been his willingness to mix it up in the post. He's got a strength advantage, and a leaping advantage against a lot of opposing SGs. I just wish he spent more time down there, instead of settling for the dreaded long twos (i.e. the lazy player's best friend).
on the bright side, developing that aspect of his game isn't out of the question... it just isn't there right now.. so right now, he's redundant
one thing i've noticed... and mind you, this may be absolutely fabricated in my own head... as i have no intention of looking at box scores to confirm anything... just stating my own observation, which i'll admit may be wrong...
when Gay is having an off game... Demar also has an off game... because they play the same offensive game against the same defense... they complement each other horribly... that's not to say they aren't both top notch players, they are... but they're two left feet
If the Raptors had more movement in their offense I don't think Gay and DeRozan are redundant.... ideal? No. But not redundant.
Getting the ball moving shifting the defense and creates openings.
Right now slashers have a hard time slashing because the offense doesn't allow lanes to open.
The ISO plays end up being forced shots because the D can pack the key.
It is not that simple but it is part of the problem.
I hate offense that is JUMP SHOT. JUMP SHOT. JUMP SHOT. JUMP SHOT. Great when they fall but when they don't welcome to 5-8 minute field goal scoring droughts.
Work ethic is important, vital even, but is not enough on its own. At this point in his career, DeRozan's skills are far below expectations, especially for a starter who's going to be paid $9.5M next season and gets the hype that he does. So he's a gym rat. So he claims to love Toronto. He's still an overpaid, one-dimensional inefficient scorer who disappears completely for games at at time. He's a horrendous 3pt shooter, can't dribble-penetrate effectively and is a below average defender. His work ethic and love for Toronto is the only thing shielding him from the same "hate" that has been directed at Bargnani for years. At the end of the day, he's just not a great player.
In case it isn't obvious, the reason for criticizing DeRozan despite his great work ethic is his salary. Now I'm sure someone will say now wait a minute, that's Colangelo's fault! Sure, but at the end of the day DeRozan has to earn that contract somehow and you can't just ignore it.
I truly admire DeRozan's desire to get better. Imagine if Bargnani had that level of commitment! But when you look at how much he is going to make, no matter how much he improves his game, he is not going to turn into a $9.5M player next season. He's just not there yet and it's not going to happen overnight.
Ideally if Colangelo had given him what he was actually worth, for example ($6M, $8M, $9M, $10M), then you wouldn't hear so many complaints about his game until maybe the 3rd year and that would depend on how much he's improved by then. Here's all the starting shooting guards in the NBA ranked by 2013-2014 pay.. I've included some bench players where they are getting more minutes than the starter. No matter how hard he works and how great of an attitude he has, you can't sit there and tell me you think DeMar DeRozan is a top 10 SG:
Kobe Bryant ($30.4M)
Joe Johnson ($21.5M)
Dwyane Wade ($18.6M)
Andre Iguodala ($16.2M)
Eric Gordon ($14.2M)
Danny Granger ($14.0M)
James Harden ($13.7M)
Ben Gordon ($13.2M)
Monta Ellis ($11.0M)
DeMar DeRozan ($9.5M)
Rodney Stuckey ($8.5M)
Marcus Thornton ($8.0M)
George Hill ($8.0M)
Aaron Afflalo ($7.8M)
John Salmons ($7.6M)
Wesley Matthews ($6.9M)
Jamal Crawford ($5.3M)
Courtney Lee ($5.2M)
Luke Ridnour ($4.3M)
Bradley Beal ($4.3M)
Jared Dudley ($4.3M)
OJ Mayo ($4.2M)
Thabo Sefolosha ($3.9M)
Dion Waiters ($3.9M)
Danny Green ($3.7M)
JR Smith ($2.9M)
Brandon Knight ($2.8M)
Atlanta SG, aka revolving door (~$2.5M)
Klay Thompson ($2.3M)
Tony Allen (no contract)
Randy Foye (no contract)
Nick Young (no contract)
Gerald Henderson (no contract)
Marco Belinelli (no contract)
Tyreke Evans (no contract)
Last edited by ebrian; Wed Mar 6th, 2013 at 12:32 PM. Reason: missed klay thompson
your pal,
Contensted Jump Shot after contested Jump Shop withiout any ball movement is what drives me nuts. I thin we are on the same page here... just felt like clarifying.
As for DD's contract, yeah... it does put the player at a position when he needs to prove every night he's worth it. And to do that Demar needs to accomplish two things ppl have pointed out here: a. become consistent b. improve. Time will tell. I said in the beginning of the season this contract extension is crazy, then I saw a stretch of games and changed my mind to "maybe". Very curious to see what DD brings next season. I do not thing anybody's trading him/for him in the next few months anyways...
Well lets put it this way Bargnani got that extension just because DeRozan is earning it and working hard to earn it, In 4 years DeRozan is much more important to the team and has provided more to Toronto than Bargnani ever has in 7.
I also don't think either Bargnani or DeRozan are/were as important to the team's long-term success as management would make it seem to be. Fans buy into the hype churned out by the franchise's marketing engine, which is then lapped up by the media and spewed out as fact or truth. Both are role players who aren't good enough to be anything more than the team's #3/#4 scoring option. Given the fact that Gay is the team's cornerstone for at least the next few seasons, the team can't afford to have any more inefficient volume scorers on the roster (let alone starting), especially when their defense and peripherals are all below average (and don't forget their significant salary hits).
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text:
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Your tax invoice can be downloaded on flysaa.com under Manage & Fly 72 hours after the e-ticket has been issued.
If a Tax Invoice has been successfully generated from the South African Airways Tax Invoice System, the onus rests on the recipient to ensure that his/her mailbox has enough space to receive an e-mail - with a PDF attachment; and that his//her service provider or exchange server allows for delivery of such e-mails. South African Airways, can not take responsibility for undelivered e-mails due to any other reasons beyond our control including the above.
Prescribed details required from the South African Revenue Service on a tax invoices
Tax invoices must ordinarily reflect the following details as prescribed by the South African Revenue Service Act, 1997 (Act No. 34 of 1997):
South African Airways (SAA) has, for the 8th consecutive year, been voted the Best Airline in Africa. The South African national carrier has also been named winner of the category Staff Service Excellence Africa in the Skytrax World Airline Awards™.
The awards were presented on the 20th of May 2010 at the 11th Aircraft Interiors Expo in Hamburg, Germany. Some 40 different airlines from around the world gathered to receive their accolades, which were handed out by Mr. Edward Plaisted, Chairman of Skytrax.
Mr. Michael Bentele, SAA Head of Europe received the two awards on behalf of the South African national carrier. "SAA is very proud to be the winner of the two prestigious awards. We want to express our appreciation to our customers who have consistently voted SAA the best in Africa," said Bentele.
Award winners are selected by the airline industry's most important audience – its customers.
"Winning in this year's World Airline Awards™, which have gained worldwide esteem and respect, will always have a special place at SAA. The two prestigious awards were announced 21 days before the 2010 FIFA World Cup™. They come at a time when SAA has confirmed its readiness for the greatest sporting event on the planet and the largest ever to be held on the African continent. Thousands of SAA customers can look forward to travelling onboard Africa's most awarded airline," said Mr. Fani Zulu, SAA Head of Group Corporate Affairs.
The World Airline Awards™ are based on results from 17.94 million questionnaires completed by 100 different nationalities of airline passengers between July 2009 and April 2010, involving more than 200 airlines worldwide.
The survey measures over 35 different aspects of passenger satisfaction for each airline's product and service standards - evaluating the 'typical' travel experience across both Airport and Onboard environments. Operating since 1999, the survey is held in highest esteem for its clarity of process and rigorously applied rules of complete independence.
The awards are recognized around the world, renowned for being the only truly global, independent passenger survey of airline standards. The survey does not receive any outside or third-party sponsorship. The World Airline Awards™ celebrate their 11th anniversary in 2010, with representatives from airlines across the globe attending the Awards ceremony in Hamburg on 20th May 2010.
Over the years SAA has received several awards, making the South African national carrier the most awarded airline in Africa.
Some of the past Skytrax awards include:
Best Airline in Africa (8 consecutive years including 2010)
For more information please contact Fani Zulu, Head of SAA Group Corporate Affairs
083 282 6761
082 451 0457
Pictures are also available.


text:
The RIAA and music labels gained a bit more notoriety when one of its associates, Sony BMG's head of litigation Jennifer Pariser, remarked during a case, "When an individual makes a copy of a song for himself, I suppose we can say he stole a song." Making "a copy" of a purchased song is just "a nice way of saying 'steals just one copy'."
Now the MPAA, which typically follows closely in the RIAA's footsteps, is suing software maker RealNetworks and making similar remarks. In a similar mentality, which some say punishes the paying customer, Paramount Pictures, Twentieth Century Fox, Universal Studios, Warner Brothers, Columbia Pictures, the Walt Disney Company and Sony have all filed suit against the company, which claims it only wants to provide content owners with a means of backing up their DVDs.
Greg Goeckner, executive vice president and general counsel for the Motion Picture Association of America, says that users shouldn't get to copy their DVDs -- even those they own. He states, "RealDVD should be called StealDVD. RealNetworks knows its product violates the law, and undermines the hard-won trust that has been growing between America's moviemakers and the technology community."
Seattle-based RealNetworks found itself targeted after it released its RealDVD software, available for $30. RealNetworks is no rogue operator -- rather it's the software giant behind the RealPlayer software and the Rhapsody music subscription service, the second largest legitimate online music retailer. Nonetheless, it found itself the target of the MPAA's aggressive campaign, which seeks to block any private DVD reproduction.
RealNetworks is standing tall against the MPAA and blasted back in a tersely worded statement Tuesday. The statement read, "We are disappointed that the movie industry is following in the footsteps of the music industry and trying to shut down advances in technology, rather than embracing changes that provide consumers with more value and flexibility for their purchases."
RealDVD conforms to all Hollywood's rules on DVD protection by encrypting the digital copies. This is intended to prevent filesharing. Still, studios claim the program violates the 1998 Digital Millennium Copyright Act, an all-reaching act used for everything from web takedowns to filesharing cases. The studios say that by overriding anti-copying mechanisms on the DVD, RealDVD is breaking the law. The studios are seeking an injunction to prevent the program's sales.
A frustrated RealNetworks fired back with a countersuit of its own against the studios in a federal court in San Francisco on Tuesday.
This case will like bear major ramifications on the movie industry, and DailyTech will be following it closely.


text:
Artistic Wire Silver Plated Peacock Blue 18 gauge, 20 feet
|20 ft. spool
Artistic Wire has unleashed the largest selection of exclusive Silver Plated colors and gauges available. First, copper wire is plated with a precision layer of pure silver. Then each unique enamel color along with a tarnish resistant coating tops the silver plating. The silver plating technique offers incredible high-shine and brilliance to the wire.
|Item #
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text:
This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
General Social Survey, 1972-2012 [Cumulative File] (ICPSR 34802)
Principal Investigator(s): Smith, Tom W., National Opinion Research Center; Hout, Michael, National Opinion Research Center; Marsden, Peter V., National Opinion Research Center
The General Social Surveys (GSS) were designed as part of a data diffusion project in 1972. The GSS replicated questionnaire items and wording in order to facilitate time-trend studies. The latest survey, GSS 2012, includes a cumulative file that merges all 29 General Social Surveys into a single file containing data from 1972 to 2012. The items appearing in the surveys are one of three types: Permanent questions that occur on each survey, rotating questions that appear on two out of every three surveys (1973, 1974, and 1976, or 1973, 1975, and 1976), and a few occasional questions such as split ballot experiments that occur in a single survey. The 2012 surveys included seven topic modules: Jewish identity, generosity, workplace violence, science, skin tone, and modules for experimental and miscellaneous questions. The International Social Survey Program (ISSP) module included in the 2012 survey was gender. The data also contain several variables describing the demographic characteristics of the respondents.
Series: General Social Survey Series
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
WARNING: This study is over 150MB in size and may take several minutes to download on a typical internet connection.
ASCII + SAS Setup SPSS Setup Stata Setup
Study Description
Smith, Tom W., Michael Hout, and Peter V. Marsden. General Social Survey, 1972-2012 [Cumulative File]. ICPSR34802-v1. Storrs, CT: Roper Center for Public Opinion Research, University of Connecticut/Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributors], 2013-09-11. https://doi.org/10.3886/ICPSR34802.v1
Persistent URL: https://doi.org/10.3886/ICPSR34802.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- National Science Foundation
Scope of Study
Subject Terms: abortion, Affirmative Action, agriculture, AIDS, alcohol, altruism, birth control, business, capital punishment, children, citizenship, civil rights, communism, community participation, compensation, computer use, corporations, courts, crime, democracy, dissent, divorce, drug use, economic issues, employment, environment, environmental attitudes, environmental protection, ethnicity, euthanasia, expenditures, families, foreign affairs, freedom, gender, gender issues, gender roles, government, health, housing, human rights, hunting, immigration, income, industry, Jews, labor unions, marijuana, marriage, media coverage, mental health, military draft, military service, national identity, occupations, parents, patients, physicians, police, politics, poverty, prejudice, privacy, race relations, racial attitudes, religion, school prayer, science, sexual behavior, sexual preference, smoking, social classes, social inequality, social mobility, social networks, Social Security, sports, suicide, taxes, technology, television, terminal illnesses, terrorism, tobacco use, unemployment, welfare services, work, workplace violence
Smallest Geographic Unit: census region
Geographic Coverage: United States
- 1972--2012
- 1972--1978
- 1980
- 1982--1991
- 1993
- 1994
- 1996
- 1998
- 2000
- 2002
- 2004
- 2006
- 2008
- 2010
- 2012
Unit of Observation: individual
Universe: All noninstitutionalized, English and Spanish speaking persons 18 years of age or older, living in the United States.
Please note that NORC may have updated the General Social Survey data files. Additional information regarding the General Social Surveys can be found at the General Social Survey (GSS) Web site.
Sample: For sampling information, please see Appendix A of the ICPSR Codebook.
Weight: Due to the number of weights and various uses for them, users should refer to Appendix A of the ICPSR Codebook.
Mode of Data Collection: computer-assisted personal interview (CAPI), face-to-face interview, telephone interview
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Created online analysis version with question text.
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 2013-09-11
Related Publications
- List all ~30 citations associated with this study
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Most Recent Publications
Export Options: RIS/EndNote
Instructional Resources
Instructional guides that utilize this dataset are available:
Altruism: A Data-Driven Learning Guide - Inter-university Consortium for Political and Social Research
Social Class and Attitudes about Inequality: A Data-Driven Learning Guide - Inter-university Consortium for Political and Social Research
Social Capital Over Time and Across Generations: A Data-Driven Learning Guide - Inter-university Consortium for Political and Social Research
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text:
A newly invigorated Intel is pulling out all of the stops to
stay ahead of AMD these days. Intel's Core 2 Duo Extreme is putting out some
rather encouraging
numbers and should keep AMD working hard for the next few quarters. And
shortly after aggressive
pricing was revealed for Intel's new Core 2 family of processors, AMD
responded with its own
price cuts across the board to stay in the game. With its mainstream
desktop products taken care of, and its new Core 2 mobile processors
on the way, Intel is looking forward to updates to its server processors.
Intel's Woodcrest
processors look to make up for the sins of the father, in this case the current
Xeon, by increasing performance by 80% while lowering power consumption by 35%.
Even more impressive is Intel's ramp of the Woodcrest
-- by the end of 2006, Intel is expecting that 90% of the Xeon processors that
it ships will be dual core. Two thirds of those dual-core offerings will be Woodcrest based according to Intel.
Just around the same time that Intel releases its quad-core Kentsfield desktop processors in Q1'07,
quad-core Clovertown server
processors will also make an appearance. According to Intel's Enterprise Architecture Director Dileep Bhandarkar,
Clovertown will be two dual-core
processors built into a single package versus AMD's single package of four
cores. Bhandarkar also conceded that the lack of an integrated memory
controller, like those on the AMD64 platform, does hurt performance. EWEEK reports:
Bhandarkar admitted
that integrating the memory controller—which handles the flow of data to and
from system memory—directly into the chip rather than housing it on a chip set
would improve performance with some workloads. However, he said, Intel
officials felt it was more important to bring a quad-core processor to the
market before AMD does. The company expects to precede its rival by a quarter
or two.
Still, Bhandarkar feels that its server products will offer
enough of performance advantage that it won't need to delve into integrated
memory controllers for now. In the mean time, integrated memory controllers are
definitely in the pipeline as is an integrated graphics controller, but no
timeline was given for either.


text:
Laparoscopic ureteral reimplantation is surgery to reposition a ureter. The ureter is a tube between the kidney and the bladder. It allows urine to pass down to the bladder.
Laparoscopic procedures use small incisions and specialized tools. This helps to avoid large incisions that are needed with open surgery.
Reasons for Procedure
Some ureters are not positioned correctly in the bladder. This can make it difficult for urine to flow into the bladder. Ureteral reimplantation may be done to reposition ureters that:
- Are causing urine to flow back into the ureters and kidneys—known as vesicoureteral reflux (VUR)
- Were damaged due to trauma or surgery
Possible Complications
If you are having this procedure, the doctor will review a list of possible complications. These may include:
- Excess bleeding
- Adverse reaction to anesthesia
- Infection
- Soreness in throat
- Nausea and vomiting
- Bladder spasms
- Cramping
- Difficulty urinating
Talk to the doctor about these risks before the procedure.
What to Expect
Prior to Procedure
- The doctor may need pictures of your urinary tract.
- Blood and urine tests may be done. These test will show how well the kidneys are working.
Talk to the doctor about any medications you are taking:
- Do not take any new medications, herbs, or supplements without talking to the doctor.
- You may be asked to stop taking some medicines up to 1 week before the procedure.
- Arrange for a ride home from the hospital.
- The night before surgery, you should eat a light meal. You should not eat or drink anything after midnight unless told otherwise by the doctor.
General anesthesia may be used. It will be given through a vein in the arm or hand. You will be asleep through the procedure.
A spinal block may be used. This is an anesthesia injected into the spine. It will block pain below your waist.
Description of the Procedure
A few small incisions will be made in your abdomen. Specialized tools will be inserted through the incisions. A series of incisions and stitches will be used to realign the ureter. The method used will be based on your specific condition.
After the tools are removed, the incisions in the abdomen will be closed with stitches. Bandages may be placed over the incisions.
Immediately After Procedure
After the operation, you will be taken to the recovery room for observation.
How Long Will It Take?
2 to 3 hours
How Much Will It Hurt?
Anesthesia prevents pain during surgery. There may be some pain as you recover. You may also have some cramping in your bladder. You will be given medication to help manage any discomfort.
Average Hospital Stay
The usual length of stay is 2 days. You may need to stay longer if there are complications.
Post-procedure Care
- You will receive fluids and medicines through an IV.
- Urine will drain through the tube into a bag. The urine may have blood in it for the first few days.
When you return home, be sure to follow your doctor's instructions.
Call Your Doctor
Call your doctor if any of these occur:
- Difficulty urinating
- Excess bleeding
- Signs of infection, including fever and chills
- Pus or bad smelling fluids draining from the incision site
- Redness or swelling at the incision site
- Urine that smells bad
- Pain that cannot be controlled with the medications the doctor prescribed
- Nausea and/or vomiting that you cannot control with the medications the doctor prescribed
If you think you are having an emergency, call for emergency medical services right away.
Revision Information
- Reviewer: EBSCO Medical Review Board Adrienne Carmack, MD
- Review Date: 03/2017 -
- Update Date: 04/29/2014 -


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KLM Wannagives: surprise someone special on board
On this page:
A gift at 30,000 feet altitude
No time for good-byes at the airport? Or is your loved one travelling without you? Surprise someone special with a gift high in the sky. There is always a reason why he or she absolutely deserves a surprise! Choose from 6 themes: Love, Celebrate, Holiday, Thanks, Kids or KLM goodies. If you write a personal note, we'll gift wrap your present and our cabin crew will do the honours of presenting it.
You can surprise anyone who is flying on board of:
- A KLM flight with a flight duration over 1,5 hours.
This way, you don't have to walk around the airport carrying heavy hand baggage. You can place your order up to 1-3 calendar days before departure.
Treat your favourite traveller
Connect to Facebook and the upcoming birthdays of your friends will be shown. Not only can you choose from a wide range of original KLM products, KLM also lets you treat your favourite passenger to a more comfortable flight, such as a seat with extra legroom in Economy Class or a glass of first-class champagne. Naturally, KLM Wannagives also offers home delivery.
Something to celebrate, but not a lot to spend? No problem! Wish someone a happy birthday, a great journey with KLM or share a virtual peck on the cheek.
How KLM Wannagives works
KLM Wannagives shop is all about convenience. We deliver your gifts both on board a flight or to a home address. The choice is yours. Want to pay with Flying Blue Miles? No problem! Simply indicate your preferences during the ordering process.
Important: For KLM flights departing from Amsterdam, be sure to order at least 3 days before departure. For KLM flights to Amsterdam you can order up to 6 calendar days before departure.
Follow the steps below:
1.Select a gift and add it to the shopping bag.
2.Indicate whether you want to surprise your friend on board a flight or at home.
3.Select a person through your preferred social network or use the e-mail address of your friend/contact.
4.Write a personal message and enter your name. (It is not possible to send a gift anonymously)
5.On-board delivery: enter the flight number of the person you want to surprise, or his/her destination and departure date.
6.Select the payment method and pay for the order.
7.Home delivery: once your purchase is completed, you will receive a confirmation by e-mail.
8.If you have chosen to surprise someone on board, we will first check whether he or she will be on the scheduled flight. If so, you'll receive a confirmation e-mail within 3 days. If not, we'll e-mail you to confirm cancellation of your order. Please note that we will only charge you after we have verified that your friend is on board. Is the gift a more comfortable seat? Then we will e-mail your friend in advance to avoid double reservations.
Payment options
Wherever you live or wherever your favourite traveller is going, KLM Wannagives offers easy online payment worldwide. All prices are shown in euros and include VAT (in case of home delivery). You can pay with iDEAL (Internet banking option is only available in the Netherlands and only for home delivery), various credit cards and Flying Blue Miles. You also earn Flying Blue Miles with your purchases (except when paying with Miles).
Your credit card details are sent to us through a secure server that encrypts all your personal and credit card information.
Please keep in mind that if the gift will be received on board, any additional import taxes and/or local taxes for your purchases may have to be paid at the destination. This depends on the destination and the total amount of your purchases.
Missed flight or delivery problems
On-board delivery
What happens if a person misses the flight or the gift was not delivered? If your friend has missed his/her flight or if the gift was not delivered while he/she was on board, the amount you paid will be reimbursed to your bank account. Please be aware that our cabin staff is unable to reimburse the amount paid during the flight. Please note: special rules apply for seats and meals. Read more about extra paid options
Frequently Asked Questions about delivery
Home delivery
If your friend did not receive the gift at his/her home address within 14 days, please contact us via Facebook , Twitter or e-mail.
Returns and refunds
Did the gift fail to meet expectations? You or the person who received the surprise can return it within 30 days. This is only possible if the product has not been used and the packaging has not been opened. The item must be returned in the original, undamaged packaging.
Once we have received the product, we will credit the purchase amount to your account within 30 days. However, you will be required to pay the delivery costs for returns.
Frequently Asked Questions about warranty, returns and refunds
Did your acquaintance receive a defective product? Contact us via Facebook , Twitter or e-mail.
Read the Terms and Conditions for shopping at KLM Wannagives>
Request a refund at KLM Wannagives.


text:
me, nobody wants to 'stick it to Valve' more than those currently in
the cafe program. We're rubbing pennies together trying to make it from
month to month, while Valve is making millions off of us ...
All I ask is that you make some effort to edit cafe numerical details from any future release.Please don't release the CC information, for the sake of the centers who are less informed.
If you want me to remove these files you can e-mail me at (address removed) and I prefer you come with something good unless you want me to expose ALL of the customers their information.
There has been no
security breach of Steam. The alleged hacker gained access to a third-party
site that Valve uses to manage the commercial partners in its Cyber
Café program. This Cyber Café billing system is not connected to Steam.
We are working with law enforcement agencies on this matter, and
encourage anyone with more information to e-mail us at


text:
Episode 1
Robin's anxious on her wedding day.
Rent, buy and watch the latest movies and TV shows online
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How I Met Your Mother is back for a hilarious eighth season and continues with the story of how Ted fell in love.
Suitable for 12 years and over
Robin's anxious on her wedding day.
The Pre-Nup
When Barney designs a pre-nup, the guys take note and propose their own.
Lily and Marshall have trouble finding a nanny.
Who Wants to Be a Godparent
Lily and Marshall can't decide on godparents for Marvin.
The Autumn of Breakups
The season of break-ups continues.
Robin is hesitant to break up with Nick.
The Stamp Tramp
Marshall recommends his old law school classmate Brad for a job at his firm.
Twelve Horny Women
Marshall takes on his friend/nemesis Brad in the biggest case of his career.
Lobster Crawl
Robin is determined to get Barney back no matter what it takes.
The Over-Correction
Robin becomes increasingly suspicious of Barney's relationship with Patrice.
The Final Page: Part One
The GNB building (which Ted designed) is about to have it's grand opening.
The Final Page: Part Two
With Christmas fast approaching, Barney tells Ted that he plans on proposing.
Band or DJ?
Robin learns that Barney never asked her father's permission before proposing.
Ring Up!
Barney begs Ted to continue seeing his much younger, much wilder girlfriend.
P.S. I Love You
Barney uncovers the lost episode of Robin's "Underneath the Tunes".
Bad Crazy
Ted is reluctant to break up with his crazy girlfriend Jeanette.
The Ashtray
The gang reminisces about their last awkward encounter with The Captain.
Weekend at Barney's
When Ted and Jeanette break up, Barney tries to help him land a new girl.
The Fortress
Robin tells Barney that it's time they address the issue of where they will live
The Time Travelers
Future Ted and Barney try to convince Ted to go see Robots Vs Wrestlers
Romeward Bound
The Captain asks Lily to move to Rome for a year to be his art consultant.
The Bro Mitzvah
Robin suffers through an uncomfortable dinner with Barney's mom.
Something Old
Robin is desperate to find her "something old" she buried in Central Park
Something New
Ted invites Lily to see the house he's finally finished fixing up.
Own forever. Watch on up to 5 devices.
PC, Mac, Chromecast, iPad, iPhone, Android phones and tablets, Windows phones and tablets, Xbox, smart TVs, set-top boxes and Blu-ray players.
Download on iOS 8+, Android 4.0+ and Windows 8.1+ in app. Includes rentals.
Download this episode and watch on Windows Media Player*
*UK internet connection required to acquire licence Learn more.


text:
Today's the day! Get ready for the big news as we reveal the NOMINEES for the 2010 People's Choice Awards! And of course, that's "revealing" courtesy of special guests Jeff Probst, Sofia Vergara, Cat Deeley, and Kris Allen. I'll be tweeting from the event so stay tuned and you'll know as soon as we know just who's headed for January's big show.
In regular TV news (as opposed to DWTS news — it is Tuesday, after all), we have good news if you're a fan of The Forgotten (that's the new Christian Slater drama). It seems ABC hasn't forgotten about this rookie show and they've gone ahead and ordered more episodes. Unfortunately, they didn't grant the same wish for Eastwick, starring Rebecca Romijn, and so the future of that one looks pretty bleak. Now, on to Dancing With The Stars because the fact is, as our celebrity hoofer field gets thinner, the plot gets thicker. There are just 5 couples left, and tonight one of them won't exactly be kicking up their heels. Last night, Mya and Dmitry triumphed with 59 points out of 60 for their two dances. For that reason, we're not going to put her in today's poll as a possible vote-off. But as we get down to the wire, who's going home? Now, voice your choice in today's featured poll and let us know which one of these 4 couples you think will get booted off the show tonight.
1) Aaron & Karina
2) Donny & Kym
3) Joanna & Derek
4) Kelly & Louis
For the latest pop culture news and voting, make sure to sign up for the People's Choice newsletter!


text:
Ryan Connollyhat created this sci-fi short film, in which a nerdy type, believes more extraterrestrial life than to humanity, finally gets his long-awaited visit. From an unknown flying object, that the serious decision falls, take him. But the aliens have imagined the whole thing probably somewhat easier…
Dravens Radio from the Crypt
When there's no more room in hell, the dead will dance on earth! Friends, presents the Crypt: "Dravens Radio from the Crypt"! Here you will a hand-picked Musikprogramm necessary, which was collected by Draven specifically for the best reader of the internetwork. From punk to rock, Folk- bis Thrash-Metal, for every dark music's taste. Of course, still a bit louder and better!
About me
Draven presented Tales from the Crypt with all sorts of mysterious from the sinister depths of the network and from any corner of the world. Since the year 2007 will you here a cool weblog mix of music, Movies, Comics, horror, Games, art, radio, Trash, Punk and Heavy Metal on offer - just as it should be! Because believe me, nothing is trivial.
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Support your local Draven!
That the operation of draven.ch involves considerable expenditure of time and some costs, should be clear. Thus costs and maybe a, Two free drinks are covered, I could fully paste the whole store here with Advertising. but I like my readers, why I a them (largely) aims to offer commercial-free reading experience. If you like that and / or the activity on this website, then it would be nice, if you would support the fun here anyway. To do this go up simply on donations. Thank you!
⋔エ꒚꒚ﻯ꒒ü¢kᅮᄐ ꒳ᄐ꒒ᅮ ꎧᄐቄ ꒯ᄐエℕ ﻯ꒒ᗑ꒚ 」투Ẕᅮ kꑙ⋔⋔ᅮ ꒤ℕ꒚ᄐℜᄐ Ẕᄐエᅮ


text:
Benefits of reverse mortgages in Upper Marlboro MD 20772 and what you should know beforehand.
You may have worked hard for your equity established in your house. Now that you have reached retirement age, isn't it time you enjoy the fruits of your labors? In the event you don't want to leave your home but have a limited amount of cashflow monthly, a reverse mortgage might be the best solution to suit your needs!
These agreements let the bank or another lending agency to possess your house once you pass away. Meanwhile, you will be paid for the "sale" in advance. By knowing the process you can make informed decisions with regards to your property and your future.
Planning is everything when dealing with your home equity.
No matter how well we plan, we are always worried about tomorrow. Tomorrow here means retirement. While some of us have started taking steps by saving some money to make our retired lives comfortable, the others are still trying to make ends meet. For all those who haven't had a chance to save up for their tomorrows, there is always an alternative: A Reverse Mortgage!
A reverse mortgage is a loan that homeowners can obtain once they are 62 years of age or older. It is money given to you on the basis of your home equity. You don't have to worry about repaying this loan as long as you are living in the house you own.
You can decide how you want to receive your mortgage – either as a lump sum or as a monthly payment. You could even draw money as and when you need by establishing a line of credit. If you do not have a retirement plan, a reverse mortgage can help you live in your home, maintain your lifestyle and still make money from your home.
Many people go for reverse mortgages after they complete 62 years of age. The reason behind going for one differs from person to person. While someone wants to use the money to go on an exotic vacation, another person may need the money to buy his bread. Here are a couple of things for which you can use the money that you gain through a reverse mortgage:
Buying a Second Home in Upper Marlboro MD
If you are quite comfortable living your retired life, you can still go for a reverse mortgage to purchase a second home. You can either vacation in it or rent it out to bring in some amount of income that can add up to your retirement savings. This way you need not worry about paying those monthly mortgage payments for the second home that you buy. As it adds up in value it will become an excellent asset in future.
Retiring Early
If you haven't made enough money to get adequate income during your retirement or if you are still paying up your mortgage at the age of 62, it is always better to opt for a mortgage. This way you can stop working and eliminate that mortgage payment. You can also invest your money and make it grow over the years.
Starting a New Career
It is never too late to start a new career. If there is something that you have been trying to do and have not been able to achieve it due to financial constraints, a reverse mortgage can help you gain that chance. There are many Americans who have started their own businesses with the money they receive through mortgages. You can do it too! You can take the money and convert it into an asset that brings you a steady source of income as long as you are alive. You can even think of selling it at a later date.
Traveling to exotic places
If you have enough money to take care of your day to day expenses and requirements, you could use the money that you get from a mortgage for traveling. You can go to all those exotic places you have never been to, live in some of the most luxurious hotels and tick off the things on your bucket list. These will give you the memories that you can talk about when you meet your friends, children or grandchildren.
For peace of mind
You may have enough money to meet your daily needs during your retirement. However, you may still worry about contingencies. With a reverse mortgage, you can achieve absolute Peace of mind. Your line of credit will be there whenever you want it. You will be able to meet any unexpected expenses. You can even go buy yourself a new car if your car gets damaged. In case you have to go into an assisted living facility in Upper Marlboro MD, you need not worry about someone paying up for you. The best thing is you needn't even pay it back unless you move out of your house or sell it.
How do you find reverse mortgage lenders? You needn't worry about finding them; they will find you!
Many mortgage lenders buy reverse mortgage leads and reverse mortgage live leads from marketing companies to contact prospects who may be interested in obtaining a reverse mortgage. You could just be one of these prospects! All you need to do is say "Yes, I am interested" when they call you and they will take it up from there.
Learn about getting qualified and start the cash out process.
Available for certain homeowners over 62 years old, a reverse mortgage from the Federal Housing Administration can be used to meet the needs of seniors in a variety of financial situations. Some people may be reluctant to apply for this kind of equity conversion program, thinking that it sounds like borrowing against a home or some other financial decision that could incur debt. Instead, funds gained with a Home Equity Conversion Mortgage (HECM) are only making use of the equity accumulated in a home. Rather than a last resort for dire circumstances, a reverse mortgage can be appropriate for meeting many common financial concerns.
Supplemental Income
Pensions and retirement funds provide resources for those who have prepared for retirement over the course of their careers. Because of life circumstances, not everyone can live on these resources and the fruits of other investments. A reverse mortgage is a common way to supplement other sources of income. Seniors don't need to take a job as a greeter or cashier when they have an accumulation of wealth in the form of home equity. It's important to be able to live comfortably after decades of putting up with the rat race.
Healthcare Expenses
Even those who feel well prepared for retirement can be caught off guard by the rising costs of healthcare, especially when unforeseen medical issues arise. Diagnosis, treatment, and lengthy hospital stays are only one side of the potential expense. Chronic conditions may mean years worth of expensive prescriptions and some level of ongoing medical treatment. Dialysis treatment, diabetic testing supplies, and other major medical expenses are more than just one-time costs. Rather, a single diagnosis can completely alter a couple's outlook for retirement.
Paying Off Debt
While credit cards are convenient and sometimes necessary, the interest rates can be especially problematic for those who no longer work full time. Whether they've spent money on grandkids, family reunions, or practical expenses like utility bills, many seniors find themselves with debt that needs to be resolved in a timely fashion. Arranging financial affairs is one way of minimizing the mess that will be left behind after death, but it also has the practical benefit of helping to make sure that creditors don't seize family heirlooms and other valuables.
Financing Renovations
Every homeowner knows that some maintenance projects are investments and save money in the long run. Similarly, renovations like ramps for improved accessibility may be necessary as the residents of the Upper Marlboro home get older. Ultimately, retirement means more time at home for many seniors, and there's no point in procrastinating on the projects that have already been delayed for years. An HECM can be used to cover the costs of renovations without draining other accounts or skimping on living expenses.
Homeowners should know about the many potential uses for a reverse mortgage. Rather than depending on a pension or trickles of funds from investment returns, an HECM allows homeowners to live more comfortably and resolve financial issues by tapping into the accumulated equity.
What is a reverse mortgage and the advantages of originating this type of note?
The term reverse mortgage is everywhere these days. It frequently appears in commercials or shows up on Internet searches. But you may not understand what it is exactly.
In short, it is a unique home loan that allows homeowners to convert some of their home's equity to cash. This equity that the homeowner has acquired throughout years of making payments on their home can now be returned to them in payment installments. In a typical mortgage situation, the borrower pays the lender and each payment reduces the amount owed and builds the borrower's equity in the home. In a reverse mortgage, the borrower receives payments from the lender, and each payment increases the loan balance and declines the amount of equity.
Who originates these loans in Maryland?
Most of these loans are originated by the Federal Housing Administration (FHA) and are known as a Home Equity Conversion Mortgage or HECM. An HECM is guaranteed by the FHA, so the borrower does not have to be concerned about failing to receive payments from their lender.
Who qualifies for these loans?
To qualify for this type of loan, homeowners must be age 62 or older and have significant equity in their home. In addition, to obtain an HECM, homeowners must own their homes outright or the balance they owe on their home must be low enough that it can be paid off with the proceeds from the reverse loan at closing. In addition, the borrower must reside in the home and be able to pay for recurring charges associated with the property including taxes and insurance. Finally, before getting the loan borrowers must receive information from an HECM counselor. The applicant's home must be a single-family home, an HUD-approved condominium or manufactured home that meets FHA requirements, or a two to four unit home if the borrower resides in one of the units.
How much can you borrow?
The amount a homeowner can borrow with a reverse mortgage varies depending on their age, the home's worth and the loan's interest rate. In most cases, homeowners of an older age are able to borrow more money, and the more a home is worth or the more equity the owner has in it, the more the owner is able to borrow. Lower loan interest rates also increase a homeowner's borrowing power.
How do I receive my funds?
With an HECM, borrowers have several choices of how to receive their payments. Borrowers can choose to receive a lump-sum payment at the loan closing or the borrower can take out a line of credit. This line of credit can be used as the borrower chooses and grows over time. A borrower can also choose to receive payments in the form of a monthly annuity. A tenure monthly annuity is a monthly payment that the borrower receives for the entire time they live in the home. A term monthly annuity is a monthly payment that the borrower receives for a set period of time that they choose. Borrowers can also choose to combine these options, such as by opting to receive a monthly annuity but also taking some cash at closing. By paying a small fee borrowers can also switch from one option to the other.
A reverse mortgage can be a beneficial source of income for senior citizens in Upper Marlboro Maryland. By researching the pros and cons of this type of loan, homeowners can determine if it is a good fit for their financial situation.
Reverse mortgages are a gateway to financial freedom, control, and balance.
This decision can provide a selection of advantages most homeowners never gain access to. As an alternative to being bound to absurd rates and too little options, reverse mortgages offer a fantastic solution.
With an asset as valuable like a residential property, why not leverage it to acquire cash? It's one of the simplest and best ways of leveraging your asset and having the capacity to lead a life without financial issues. If you want to lead an appropriate life post-retirement, there isn't a better option than a robust reverse mortgage. It is a one-stop strategy to eliminate all financial worries.
Whether you wish to take a lump sum, put in place a line of credit, or sign up to monthly payments, all options will be made accessible to you. Instead of sitting down and hoping to gain access to cash, why not take advantage of the opportunity you have before you? This is one of the most effective methods on the market for any individual over the age of 62 that owns {real estate|a peice of property.
Get moving now and realize the value of choosing to lead a life of comfort.


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Form ADV is the uniform registration document used by investment advisors to register with the appropriate securities regulator. Generally, larger firms will register with the SEC. Small and mid-sized advisors typically register with the states where they do business.
Form ADV consists of two parts. According to the SEC, "Part 1 requires information about the investment adviser's business, ownership, clients, employees, business practices, affiliations, and any disciplinary events of the adviser or its employees. Part 1 is organized in a check-the-box, fill-in-the-blank format." Part 1 contains registration information.
Part 2 of Form ADV requires that RIAs prepare narrative brochures written clearly and concisely. Part 2 contains information such as:
- types of advisory services offered;
- fees;
- disciplinary information;
- conflicts of interest; and
- education and work background of management and key personnel.
Part 2 is the primary disclosure document given by RIAs to existing clients and prospective clients. While the narrative disclosure brochure requirement is relatively recent, Form ADV has been around for a long time. According to the Adopting Release (No. IA-3060) for the Amendments to Form ADV published on July 28, 2010, the SEC has required RIAs to deliver a written disclosure statement to clients since 1979. This requirement was imposed by Rule 204-3—better known as the Brochure Rule—under the Investment Advisers Act of 1940.
Part 2 of Form ADV is broken down into two parts. Part 2A provides information about the firm. Part 2B is the brochure supplement that must be prepared for certain IARs.
The primary purpose of the new Form ADV is to ensure that investors have detailed information about IARs and RIAs before entering into an advisory relationship. Existing clients will also learn if circumstances have changed that might make them reconsider whether they want to remain with the advisory firm.
As noted earlier, an RIA owes an affirmative obligation to disclose all material facts to clients to ensuring that they are making an informed decision before they enter into an advisory relationship. The RIA's disclosure must be thorough, accurate, and timely. Disclosure must be provided before the completion of the transaction, so clients will have all of the facts at their disposal. RIAs' disclosure should be meaningful, so clients understand what is being said. Failure to make adequate disclosure is a common deficiency found by examiners during compliance examinations.
To ensure that its Form ADV meets regulatory standards, an RIA should make certain that the firm discloses the following and much more:
- Conflicts of interest created by business arrangements or affiliations
- Compensation arrangements with solicitors and other service providers
- Fees paid by clients to the RIA or affiliates
- Services provided in exchange for those fees
- Use of client commissions, commonly known as soft dollars, to pay for products and services
We will examine client commission practices in Client Commission Practices and Soft Dollars.
Disclosure Brochure and Brochure Supplement
The SEC, as well as most states, now require RIAs to create a narrative Form ADV Part 2 brochure in plain English. As a result of the new rule, completing Form ADV Part 2 is no longer a check-the-box exercise. Part 2A requires RIAs to create narrative brochures, which contain specified information about the advisory firm. Part 2B requires RIAs to create brochure supplements, containing information regarding certain supervised persons.
Pursuant to the new rule, RIAs are required to provide brochure supplements to clients for each supervised person who:
- formulates investment advice for a particular client and has direct client contact; or
- makes discretionary investment decisions for that client's assets, even if the supervised person has no direct client contact.
If investment advice is provided by a team consisting of more than five supervised persons, an RIA only has to provide brochure supplements for the five supervised persons with the most significant responsibility for day-to-day advice given to the client.
Although SEC-registered investment advisors need not file brochure supplements with the Commission, they must be created and readily available for inspection during an examination. State-registered investment advisors are required to file their brochure supplements with the appropriate state regulator through the Investment Adviser Registration Depository (IARD). The IARD is an electronic filing system that facilitates the registration of investment advisors. In addition, the IARD is used by securities regulators to oversee RIAs, and provides information that investors use to learn more about investment advisors.
Initial Delivery of Brochures and Brochure Supplements to Clients
RIAs are not required to deliver brochures to clients receiving impersonal investment advice or paying the firm less than $500 per year. Additionally, they are not required to deliver brochures to companies registered under the Investment Company Act of 1940. RIAs, whether state or SEC-registered, must deliver narrative firm brochures before or at the time when the advisory agreement is executed. Clients should acknowledge receipt of the firm's brochure, as well as brochure supplements. To ensure compliance, RIAs should create and retain books and records to verify that delivery took place.
If an RIA plans to deliver updated brochures and brochure supplements to clients via e-mail, the firm should ask clients to sign an Electronic Delivery Consent Form. Another way to secure this consent is by incorporating a provision in the advisory agreement. The firm should retain evidence that the intended recipient actually received the delivery, such as a return receipt or documentation that the information was accessed, downloaded, or printed.
Annual and Interim Delivery Requirements for Existing Clients
Beginning in 2012, if a current client is entitled to a brochure, RIAs have 120 days from the end of the firm's fiscal year to deliver either:
- a copy of the latest brochure that includes or is accompanied by a summary of material changes; or
- a summary of material changes that includes an offer to provide a copy of the current brochure.
RIAs must promptly deliver an updated brochure, whenever it is amended to add a disciplinary event or to revise material disciplinary information previously disclosed. In lieu of the updated brochure, an RIA may deliver a document describing the material facts surrounding the disciplinary event.
Once brochure supplements are delivered to clients, there is no annual offer or delivery requirement. Firms are only required to deliver an updated brochure supplement if there is a new disciplinary event requiring disclosure or a material change to disciplinary information disclosed previously. The RIA must send an updated supplement or a sticker to clients notifying them that disciplinary information for the firm and/or the supervised person has changed. If the updated supplement is sent electronically, the RIA may disclose that the supervised person has been involved in a disciplinary event and can provide a hyperlink to the BrokerCheck or IARD systems.
If an RIA hires an IAR to help service a client's account, a copy of the representative's brochure supplement should be provided before or at the time that this transition occurs. An RIA should retain documentation to prove that the new IAR's brochure supplement was delivered in a timely manner to clients who are affected.
Disclosing Methods of Analysis, Investment Strategies, and Risk of Loss
To understand the difference between the old Form ADV and the new one, it helps to look at one particular item. Form ADV Part 2A, Item 8 represents a major change, since it requires RIAs to describe their methods of analysis and investment strategies in language that will be easily understood by unsophisticated investors. RIAs are also required to provide detailed disclosure of the risks that clients face.
With the old Form ADV, RIAs in certain instances could satisfy their disclosure obligation by merely putting a checkmark next to the security analysis method they utilize. For example, an RIA relying on charting would simply put a check in that box in lieu of explaining how that type of analysis works.
The new Form ADV Part 2 requires much more detail. According to the Amendments to Form ADV Adopting Release (http://www.sec.gov/rules/final/2010/ia-3060.pdf), Item 8 requires advisors to "explain the material risks involved for each significant investment strategy or method of analysis they use." The General Instructions for Part 2 of Form ADV establish the following disclosure requirements.
"Methods of Analysis, Investment Strategies and Risk of Loss
- Describe the methods of analysis and investment strategies you use in formulating investment advice or managing assets. Explain that investing in securities involves risk of loss that clients should be prepared to bear.
- For each significant investment strategy or method of analysis you use, explain the material risks involved. If the method of analysis or strategy involves significant or unusual risks, discuss these risks in detail. If your primary strategy involves frequent trading of securities, explain how frequent trading can affect investment performance, particularly through increased brokerage and other transaction costs and taxes.
- If you recommend primarily a particular type of security, explain the material risks involved. If the type of security involves significant or unusual risks, discuss these risks in detail."
Items 8.B and 8.C ask for detailed discussions of "significant or unusual" risks. According to the SEC's Adopting Release, this requirement is intended to elicit disclosure of significant risks associated with using a particular investment strategy or recommending a particular type of security that would otherwise not be apparent to the client from reading the RIA's brochure.
Describing Methods of Analysis and Investment Strategies in Plain English
In creating new Form ADV Part 2 disclosure brochures, RIAs are required to list and explain which methods of analysis they use, as well as their investment strategies. Many RIAs rely on one or more of the following:
- Charting Analysis
- Fundamental Analysis
- Technical Analysis
- Cyclical Analysis
- Modern Portfolio Theory
- Long-Term Purchases
- Short-Term Purchases
- Short Sales
- Margin Transactions
- Option Writing
Unsophisticated investors are unlikely to understand how these investment strategies operate. Therefore, an RIA's disclosure brochure should provide an explanation using investment terms that are easy to understand.
Form ADV Part 2A, Item 8
Our Methods of Analysis and Investment Strategies
We may use one or more of the following methods of analysis or investment strategies when providing investment advice to you:
Fundamental Analysis
analyzing individual companies and their industry groups, such as a company's financial statements, details regarding the company's product line, the experience and expertise of the company's management, and the outlook for the company's industry. The resulting data is used to measure the true value of the company's stock compared to the current market value.
Technical Analysis
involves studying past price patterns and trends in the financial markets to predict the direction of both the overall market and specific stocks.
Cyclical Analysis
a type of technical analysis that involves evaluating recurring price patterns and trends.
*Used with permission from National Compliance Services, Inc.
Risk of Loss
RIAs and IARs should not gloss over the risks associated with each significant investment strategy utilized and the specific securities recommended. The disclosure brochure should clearly warn that investing in securities involves risk of loss that clients should be prepared to bear. The brochure should clearly disclose that there are no guarantees that an investment strategy will be successful or that clients will reach their goals.
If an RIA invests primarily in Exchange Traded Funds (ETFs) and index funds, the brochure should explain what they are and any significant risks that arise from investing in them. To cite an example from the Adopting Release, an RIA that specializes in leveraged ETFs should disclose any particular risks that go hand-in-hand with that particular investment.
IARs who have been studying investments for decades often lose sight of the fact that investors don't possess the same expertise. IARs will throw around terms like Modern Portfolio Theory and fundamental analysis, which sometimes leaves clients scratching their heads. With a little work, Part 2 of Form ADV can be the equivalent of Investing 101.
As an example, one IAR provided a great deal of valuable information regarding his use of fundamental analysis in his Form ADV Part 2. The IAR explained that fundamental analysis involves estimating intrinsic value and making asset allocation decisions that attempt to capture any temporary differences between market and intrinsic value. He pointed out that the primary risk of fundamental analysis is that his firm's estimates of intrinsic value might be incorrect. To minimize that risk, the questionnaire indicated that the firm does the following:
- Determines client risk preferences
- Constructs portfolios that include assets with varying degrees of risk
- Diversifies globally
- Rebalances periodically in accordance with the client's risk preferences
- Minimizes taxes and transaction costs by limiting trading
Misrepresentations on Form ADV
RIAs are taking a big risk themselves if they make misrepresentations on Form ADV. On January 13, 2011, the SEC charged an RIA in Long Island, New York, with misrepresenting the firm's investment strategy. Among other allegations, the SEC accused the firm of concealing critical information regarding how the RIA was executing its investment strategy.
According to the SEC's complaint, the RIA created the illusion of a liquid market for clients' holdings at inflated values. The firm claimed it was investing clients' assets in preferred utility securities that would be held for short periods of time in order to generate capital appreciation and dividends. The RIA made these claims, even though it became apparent much earlier that the market was not sufficiently liquid to permit frequent and substantial purchases of these securities at attractive prices.
According to an Investment News article posted on November 16, 2011, the SEC has begun targeting RIAs that may have lied on their Form ADVs. Mark Schoeff Jr.'s article reported that the SEC is reviewing registration documents to find out if advisors distorted their educational background, assets under management, and other important information. The article quoted Robert Khuzami, director of the SEC's Division of Enforcement, who said that the Commission selected firms that have not been subject to an examination for some period of time.
In his remarks before the Consumer Federation of America's Financial Services Conference on December 1, 2011, Khuzami elaborated on his previous comments and said the following:
"First, we are reviewing registration documents for high-risk investment advisers to determine who is lying about their educational achievements, their business affiliations, and their assets under management. It's like the crime-fighting approach championed by Rudy Giuliani in 1990s New York – if you stop people when they commit small infractions, they are less likely to graduate to bigger ones. For Rudy, it was a focus on subway turnstile-jumpers and squeegee-men. For us, it's advisers who lie about graduating Phi Beta Kappa, conceal their association in a past failed business venture, or inflate their assets under management who might well be the same persons who outright steal your money when the markets turn against them."
The SEC believes that if advisors lie on public documents, they pose a far greater threat to investors.
The Big Picture
Whether an RIA is describing its investment strategy in advertisements or in the new Form ADV Part 2, the firm should avoid marketing hype and any language that might be construed as a guarantee. It is important to articulate any material risks faced by advisory clients.
Although the process for creating a clearly written Form ADV Part 2 is a difficult one involving many hours of work, there is a bright side. This exercise may help IARs improve their ability to explain their methods of analysis and investment strategies in language that clients and prospective clients can easily understand. After going through this process, it will also be easier for them to communicate the risks associated with any investment or investment strategy that the firm utilizes. In an article entitled "Five Signs That Your Adviser Is Failing You," published in the Sun-Sentinel on November 21, 2010, Christina Lourosa-Ricardo took note of the financial professional who uses jargon and talks over the client's head. According to the article, too many financial advisors try to impress clients with industry lingo.
Advisors should make certain they are not making statements to clients that are contradicted by their disclosure brochures. Advisors sometimes brag that they are totally unbiased and have no conflicts of interest. A quick look at the firm's disclosure brochure will frequently contradict those statements.
As firms hire new IARs, they should keep in mind that prospective clients will be reading about their background and disciplinary history in the advisor's brochure supplement. If the IAR has disciplinary events to disclose, the brochure supplement may change the prospective client's mind about hiring the firm.
Rule 204-3(g)(4) also requires RIAs to provide all clients in wrap fee programs with a Schedule H. A wrap fee program is one in which investment advisory and brokerage execution services are provided for one wrapped fee that is not based on the transactions in a client's account.


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My prediction is that this team will get gutted shortly after they make the Gay trade. Bryan will be fired/let go, and there will be little hope for us until Gay is off the books.
I don't see how what is coming in, is going to make up for what is going out.


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First Catholic, Michigan Catholic Merging in Detroit
The $140 million First Catholic Federal Credit Union in Taylor, Mich. and the $267 million Michigan Catholic Credit Union in Troy, Mich., said they recently received regulatory approval to merge and will assume the new name, Alliance Catholic Credit Union.
FCFCU members, by an overwhelming majority vote, approved a plan to merge with MCCU in October, the suburban Detroit credit unions said.
"We are very grateful that our membership supported this proposal," said Angela Millis, CEO of FCFCU. "We know that this merger positions the combined organization to serve the Catholic community throughout Southeast Michigan and the Detroit metropolitan area. It provides an opportunity for expansion offering a positive move for members of both credit unions."
FCFCU and MCCU were each founded in a single parish over a half-century ago. Both credit unions have grown organically and through mergers to become full-service financial institutions. FCFCU grew its assets to $140 million and three retail locations serving 14,000 members, while MCCU has surpassed the $250 million mark in total assets with six branches serving 32,000 members.
However, both credit unions have faced financial challenges over the past few years. FCFCU's loan income has declined from $5.5 million in 2008 to $4.2 million in 2011, according to NCUA financial reports. In the same years, the credit union's investment income has dropped from $2.2 million to $1.3 million. Though FCFCU lost $3.3 million in 2009, the credit union showed small to moderate gains in 2010 and 2011.
MCCU lost $9.4 million from 2008 to 2010, according to NCUA financial reports, but made $1.9 million in 2011, and as of September 2012, posted a positive income of $2.7 million.
The new credit union, Alliance Catholic Credit Union, will maintain the current branch network with integration of member accounts and services offered by each credit union. The executives, management and staff of each credit union will retain their jobs, the credit unions said.
"Becoming a larger, progressive credit union offers the opportunity to provide both new and enhanced services to current and future members of the Catholic community," said Rob Grech, president/CEO of MCCU. "With expanded credit union branch locations, we look forward to making a greater impact on our community together as a newly combined organization."


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Sequestration: Credit Union Emergency Loans Becoming More Popular
Add Associated Credit Union in Atlanta and Service Credit Union in Portsmouth, N.H., to the growing list of cooperatives offering loans to members who are likely to feel the impact of the sequestration cuts the most.
The $1.2 billion Associated CU said it will offer its 0% interest Federal Employee Relief Loan for an amount equal to the difference between the member's last direct deposited paycheck and the paycheck after the sequester cuts. The aim is to provide an interest-free money stream while members are receiving a reduced government paycheck, according to the credit union.
Associated CU said it will also waive penalty fees on withdrawals from certificates of deposit owned by members who are federal employees.
"Since 1930, our core membership base has been federal employees. We intend to stand shoulder to shoulder with our members if and when we are needed." said Lin Hodges, president/CEO of Associated CU.
The $2.2 billion Service CU said it will also offer a 0% sequestration loan up to $6,000 with repayment over 18 months with no payments for the first 90 days for members with existing direct deposit.
For those members who have been furloughed, they can withdraw from a current CD without any penalties as well defer payments on a current loan for 90 days, according to Service CU, which added that although federal government workers will still be employed, they will not be paid 20% of their salary.
"It will be difficult for many who are furloughed to comply with their financial commitments without some additional aid, which we will provide," said Gordon Simmons, president/CEO of Service CU.
Since 1957, the credit union has served the U.S. military and all Department of Defense civilian personnel, Simmons said.
Since the sequestration budget cuts went into effect on March 1, a number of credit unions have started offering loans and other services to members who will be impacted.


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is sort of like hip-hop superstar of the auto world -- it's blowing
through money like it could be dead tomorrow. The
company had plenty of promising news so far this year. In May
it announced that Toyota
invested in it and contracting it to help produce Toyota's
upcoming electric RAV4 crossover SUV. The company also
secured $226M
USD in cash from a initial public offering of
stock.However, according to its latest earnings report it
bled out $103M USD in only its first 3 quarters to date. Its
latest loss -- for Q3 2010 -- was at $34.9M USD. That's
disappointing considering that in Q3 2009 the company only lost only
$4.6M USD, and was
profitable for the first two quarters of 2009.Company
founder and chief executive Elon Musk received the news of the big
loss casually, commenting to
the San
Jose Mercury News,
"Attaining quarterly profitability isn't a goal… We're
very focused on long-term profitability."Mr. Musk who
pocketed a tidy sum of cash during the stock offering, says that with
Toyota's support, too, the losses are less of a concern, writing in
the earnings
are very pleased to report steady top-line growth and significant
growth in gross margin, driven by the continued improvement in
Roadster orders and our growing powertrain business. Roadster orders
in this quarter hit a new high since the third quarter of 2008,
having increased over 15% from last quarter. While some of this is
due to seasonal effects associated with selling a convertible during
the summer months, we are pleased with the global expansion of the
Roadster business and the continued validation of Tesla's
technology leadership position evidenced by our new and expanding
strategic relationships.
if Roadster orders are increasing, why is Tesla losing so much
money? The answer lies in its entry-level luxury electric
vehicle, the
Model S, which it wants to roll out. Tesla hopes to sell
the car for around $40K USD, after tax credit. However, cutting
its production costs in half is no easy chore -- particularly when
Tesla hopes to complete the vehicle in just over one more year,
beginning assembly in early 2012.Tesla also has the advantage
of strong support from the Obama administration and the U.S.
government. President Obama recently urged
Republicans in Congress to back EV funding.Those
factors have led investors to be generally optimistic, and share
prices currently are at above $24/share, over a 40 percent gain over
the IPO price of $17/share.The critical test for Tesla,
though, will come in 2012 -- the same year that the Roadster will
cease production. If it can't deliver sufficient quantities of
the 2013 Tesla Model S, or if it faces delays that could spell
disaster for the newly public automaker. And even if it
can produce the
vehicle, it faces the further test of whether the relative "masses"
of entry luxury buyers really desire an electric vehicle from a
relatively green automaker. Tesla and Mr. Musk believe (or at
least say they believe) that the Model S will sell very well -- and
they better hope so, as the company's success depends on it.


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While Nintendo DS and Wii gamers can take the role of a
surgeon to save fictional lives in the Trauma
Center-series, owners of a PlayStation 3 will soon be able to use their new game
system to help find real-life cures to diseases such as Parkinson's,
Alzheimer's, cystic fibrosis and many cancers.
The PlayStation 3 will soon have the capability to connect
to Stanford University's Folding@home program, a distributed computing project
aimed at understanding protein folding, misfolding and related diseases.
After the hype surrounding the power of the Cell Broadband Engine,
Folding@home could be the first application to harness some of the console's
yet untapped capabilities. According to Sony, the Cell processor inside each
PS3 is roughly 10 times faster than a standard mainstream PC chip at protein
folding calculations. Researchers are able to perform the simulations much
faster, speeding up the research process.
"Millions of users have experienced the power of PS3
entertainment. Now they can utilize that exceptional computing power to help
fight diseases," said Masayuki Chatani, corporate executive and CTO,
Sony Computer Entertainment Inc. "In order to study protein folding,
researchers need more than just one super computer, but the massive processing
power of thousands of networked computers. Previously, PCs have been the only
option for scientists, but now, they have a new, more powerful tool -- PS3."
The process of folding proteins is incredibly complex, with simulations
taking up to 30 years for a single computer to complete. Folding@home enables
this task to be shared among thousands of computers connected via the network,
utilizing distributed computing technology. Once the data is processed, the
information is sent back via the Internet to the central computer.
"We are thrilled to have SCE be part of the Folding@home
project," said Vijay Pande, Associate Professor of Chemistry at Stanford
University and Folding@home project lead. "With PS3 now part of our network, we
will be able to address questions previously considered impossible to tackle
computationally, with the goal of finding cures to some of the world's most
life-threatening diseases."
According to details from the Folding@home Web site, PS3 is
able "to achieve performance previously only possible on supercomputers," with
each computer likely "able to attain performance on the 100 gigaflop scale."
With about 10,000 such machines, or about 1 percent of all PlayStation 3
consoles in the U.S., performance on the petaflop scale would be added to Folding@home.
The PS3 version of the Folding@home software will also
feature an upgraded, flashier interface. The Cell processor will be consumed
with simulations, but the NVIDIA RSX GPU will be free to provide a visual representation of
the actual folding process in real-time with graphical effects such as HDR and
ISO surface rendering. Users will also be granted a small bit of interactivity by
using the SIXAXIS controller to navigate the 3D space of the molecule to look
at the protein from different angles in real-time. For a video of a prototype
of the GUI for the PS3 client, check out Folding@home's PS3 FAQ.
A Folding@home icon will be added to the Network menu of the
XMB (XrossMediaBar) via a software update expected at the end of March. PS3
users can join the program by simply clicking on the Folding@home icon or can
optionally set the application to run automatically whenever the PS3 is idle.


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Autoland Gets a Fresh Start With Sale to Mission FCU
More than a year after co-parent Telesis Community Credit Union's financial woes pushed it into conservatorship, auto buying CUSO Autoland Inc. said it is looking forward to a fresh start.
Last Wednesday, the NCUA said Autoland in Chatsworth, Calif., had been purchased by the $2.4 billion Mission Federal Credit Union in San Diego.
"I believe the acquisition of Autoland by Mission Fed is an excellent opportunity for our organization, and I couldn't be more pleased," said Jeff Martin, president of Autoland. "This allows us to stay in the credit union family as a CUSO, with a strong strategic credit union as the majority owner of Autoland."
The regulator took control of Autoland after Telesis was placed in conservatorship by the California Department of Financial Institutions in March 2012. The NCUA was then appointed conservator.
Martin said Autoland, which serves more than 200 credit unions nationwide, has had a partnership with Mission Federal since 2002.
"We know each other well, share common core values and are aligned strategically. I'm looking forward to celebrating great success together," Martin offered.
Formed in 1971, Autoland became a credit union-owned entity in 2007 through Telesis and two other California cooperatives, the $3.2 billion Kinecta FCU in Manhattan Beach, Calif., and the $28 million California Agribusiness CU in Buena Park, Calif., through CU Vehicles LLC, a holding company owned by the credit unions.
The NCUA said Telesis subsequently sold minor interests in Autoland but retained a controlling interest.
Meanwhile, Autoland has continued to experience growth. In May, the CUSO reported a 17% increase in first-quarter sales and improvement in direct loan volume to its credit union partners by 21%.
Autoland also said 2012 was its most profitable year ever as the CUSO helped drive $93.2 million in loans to its credit union partners last year.
Telesis was liquidated on June 1, 2012, and its assets assumed by the $1.5 billion Premier America Credit Union in Chatsworth, Calif.
Telesis purchased Autoland in 2007 and subsequently sold minor interests, retaining a controlling interest, the NCUA said.
The California Department of Financial Institutions placed Telesis into conservatorship in March 2012, and appointed NCUA as conservator.
The California regulator liquidated Telesis the following May and appointed NCUA liquidating agent. Premier America Credit Union purchased and assumed Telesis' members, deposits, core facilities and consumer loans at that time. NCUA operated Autoland since conservatorship until the sale.
Founded in 1961, Mission FCU is a community-chartered credit union with more than 160,000 members, according to its most recent NCUA Call Report.


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Speaking of which, it now appears the tablet's
interface is running on top of a modified version of Windows 7.
And it's reportedly a "incubation project" not a "Microsoft
Research project", meaning that it is headed towards a
commercial release. And according
to ZDNet's Mary Jo-Foley that release will be coming in
A new
video from Microsoft's Pioneer Studios revealed many details
about the new device. At its heart is the "Infinite
Journal" -- think Microsoft Office or OneNote on steroids.
Everything from meeting reminders to the browser, and even a
Photoshop-like stylus paint utility is tied into the journal.
a virtual keyboard was in sight in the Infinite Journal demo -- all
text was entered via the Courier's stylus. You could flip
between pages in the journal, or you could switch to a browser and
flip through your favorites, in a format akin to Apple's much-touted
Cover Flow technology.
Anything you find online is journal
fodder -- you can drag images or text into your journal and add notes
to them. You can even remove part of photos and add your own
artistic finish. Cooler still, you can take a photo of an
object, and then it will be transferred to your journal. And
the journal has easy options to arrange the pictures you've
You can share journal notes with your contacts (that
also come with jumbo color pictures flippable with the Cover
Flow-clone). And you can publish your entire journal online to
share with others. Reportedly, the journal will be publishable
in Courier, PDF, and PowerPoint formats.
According to ZDNet's
source, the tablet intentionally doesn't allow Windows 7 apps to be
installed, despite running on the OS. The source says that
early Microsoft tablet prototypes "failed because the
applications were not tailored to a tablet form factor - that is,
Word still had toolbars and menus and scrollbars. So, a tablet needs
to be like an iPhone - a UX that is specific for the form
Reportedly, Microsoft is excited enough about
the device that its not only targeting a release in under a year, but
it also may opt to produce it itself to get it to the market faster.
This is similar to the route Microsoft followed with the Xbox
One thing's for sure, Microsoft's Windows 7-sporting dual
screen touch tablet screams cool and looks like a surefire hit if it
can live up to its demonstration video.


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City officials wanted to adopt a new land-use development code before as many as three new councilors are sworn into office in April.
Now, officials have decided not to rush approval of a 500-page document that has not yet been completely posted online at www.durangocodeupdate.com.
Public hearings that had been scheduled for Tuesday and Wednesday have been postponed until midsummer to give the public adequate time for review and feedback.
We want to be transparent, Councilor Sweetie Marbury said.
Mayor Doug Lyon said he agreed with City Manager Ron LeBlanc that it was more important to take the time to get the new code right rather than to rush to meet an arbitrary deadline.
Lyon said he got to comment on 96 percent of the new code. Most of the contentious issues, such as accessory dwellings, have been worked out.
LeBlanc said the code is still likely to be adopted, especially if incumbent Christina Rinderle, a supporter of accessory dwellings (which are permitted under the new code), is re-elected.
Six candidates are vying to fill three seats of the five-member board in a mail-in election April 2. In addition to Rinderle, they are architect Dean Brookie, former La Plata Electric Association controller Keith Brant, former Durango School District 9-R board member Floyd Patterson, Ska Brewing Co. server and artist Kristen Smith and technology writer Jordan Golson.