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Q&A: Securing the future for children
Why World Vision? Today's Q&A with Paul Macek, senior director of World Vision's Food Security and Livelihoods team, delves into how our work in the food and agriculture sector and in nutrition is fundamental to child development.
* * *
1. What does "food security" mean, and why is it important?
Food security means that everyone at all times enjoys the adequate nutrition necessary to sustain life.
Hunger in the world is very important. Nearly 1 in 7 people will go to bed hungry tonight. That's 1 billion people. We know that food is essential, but research confirms the importance of nutrition during the first thousand days of life (beginning with conception). This is the critical window for ensuring that every child is adequately nourished for good development. Missing that window means a child is deprived of good nutrition, and malnourishment can have a negative impact for life.
Those first thousand days even determine future economic earning and academic potential. That's why food security is so important. Mothers and babies are the future; if they're undernourished now, it will have a huge impact, preventing life in all its fullness.
2. Why does World Vision use the term food security?
Safety means that you're protected and capable of living productively, able to realize your goals. The average adult needs 2,100 calories each day. If you're not getting that, then you're depriving your body of the nutrients it needs to grow. Pregnant women and people with compromised immune systems — like those with HIV — need even more.
But nutrition isn't just about calories. With them come protein, lipids, vitamins. The real concern is that a billion people don't get enough. The people that we work with don't always have access to what they need to live well: their ability to get an education or raise a family is compromised. Malnourished people earn 20 to 30 percent less income over their lifetime, which makes a huge economic impact at the national level and has a cascading effect through generations.
3. What's the difference between food security, food crisis, and famine?
"Food crisis" is a situation in which you have stressors like war, price increases, or drought affecting families' ability to consume adequate food. Families may experience these stresses for several years and run out of ways to cope. "Famine" is a technical term, meaning an extreme and widespread scarcity of food.
The U.N. has a technical definition of famine that World Vision uses. According to its classification table, famine occurs when a population experiences: 20 percent consuming less than 2,100 kilocalories per day, 30 percent of children acutely malnourished, and two deaths per 10,000 people or four deaths per 10,000 children per day. Famine is an acute emergency of unacceptably high levels of food-related problems. A crisis is actually the warning sign that we may be moving toward famine.
World Vision typically intervenes well before something becomes a "crisis," by helping people grow food, teaching mothers to nurse their babies, and helping people earn an income. We also intervene in crises to prevent the loss of lives. Low rain, poor crop yield, and rising prices signal a possible crisis — a yellow flag; while famine is the red flag, a humanitarian emergency. "Food security," on the other hand, refers to nutritional access and quality.
4. Is it possible for someone to have enough food and still not have food security?
Yes, people's diets may rely heavily on staple carbohydrates. For example, in southern Africa, some people eat maize every meal. They rarely get animal protein. They may eat plenty, but the nutritional composition may not be balanced or meet their requirements. They're still food insecure even though they eat enough food. Quantity and quality both matter.
5. How does child sponsorship help support and develop families and communities when it comes to food?
One way World Vision supports families is by teaching mothers to nurse and how to eat when pregnant. Another is providing deworming pills for kids — parasites in the system prevent children from receiving the benefit of what they eat.
World Vision also organizes sponsored families into cooperatives to grow cash crops together. In Latin America, we get around 20 families growing coffee together to sell. Then they can buy the food they need at a market. We also teach parents about balanced diets, how to enrich their diet with local foods, and how to grow the right kinds of food to eat or sell.
6. Does World Vision distribute food, and under what circumstances?
Yes, usually through our emergency relief programs. After the earthquake in Haiti, the port was destroyed, roads and bridges were down. We distributed food in the disaster area so people could maintain their nutrition and to prevent deaths from malnutrition.
For example, when Syrian refugees arrive at the border, they've often abruptly left everything behind to flee for their physical safety. Many are in camps or hosted with relatives and local communities. For these people, we sometimes provide food packages, but we have an increasing tendency to provide food vouchers (similar to a food stamp) so refugees can buy what they need at a market.
7. Do we have an early detection warning system to prevent famine?
Yes, using U.N. and U.S. government monitoring systems, we make predictions based on satellite imagery and nutritional surveys. This information tells us if a crisis is moving into an acute stage. And yes, we are able to prevent a famine — if a crisis is declared, World Vision in cooperation with other humanitarian groups intervene to mobilize resources through donors or appeals for resources to buy and supply food. Then we continue helping families by teaching them to diversify their income, grow the right foods, and make healthy meals — the keys to preventing another crisis.
8. World Vision is a Christian organization, so how does faith motivate our work in food security?
Our faith has food as a central image. It's inspiring for my team and me. Food is intimately entwined with our faith, in symbolism and in our response. It requires us to consider the plight of the hungry, knowing that we're as weak as the weakest link in our communities. If people are hungry, we're called to feed them. Faith calls us to ensure that everyone born in God's image has the opportunity to realize their full potential as human beings. Science tells us that they need to be adequately nourished to do that. We are called to teach people the basics — to nourish children better and care for tomorrow's generations.
I've been working in the humanitarian area for more than 18 years. It's very clear that food security and good nutrition is fundamental for child development. At World Vision, some of our best work is in food security.
Child sponsorship is the cornerstone of World Vision's approach to community development. Join us! Change a child's life for good. Sponsoring a child helps provide long-term food security and other life-saving basics. Consider sponsoring a child today!


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Colangelo needs to move on fast before all our options are gone
Colangelo needs to move on fast before all our options are gone
From Knicksworld (again)
They obviously have an inflated view of Shumpert, but nevertheless, I hadn't even stopped to consider whether the trade was a good one for NY. If they end up losing Shumpert and Fields etc...Have we seen the last of Iman Shumpert in a Knicks uniform?
If the Knicks actually do this, it could end up as the worst trade of all the ones theyve made over the last decade, and theyve made some really bad ones.
Im no scout, but Shump is gonna be a top 25 player in the NBA in a few years, no doubt.
You dont give up that kind of talent for a 38-year-old, even if hes a future hall of famer.
i pray BC has something in place with houston for Lowry if this falls through.
yeah knick fans are retarded for Shump. i like him, but its crazy.
they will have no bench...Lin will be gone...Fields will be gone....Shump will be gone....Jefferies.... etc...
Shump does have a bright future....that man COMPETES...but if Knicks take the short view they will make Phoenix very happy
Nash, come to Toronto pretty please...
Hmmm. So what's the status on Fields? When is the deadline on the team's ability to match an offer?
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
Robert Randolph @rrtfb
#Sike !!!! #stevenash steve nash has not committed anything yet, im just being hopeful guys!!! keep yur fingers crossed
I just sent him a tweet very politely saying..."fuck you"
Knicks would be a better TEAM with
Chandler/Gallinari/Amare/Tyson Chandler/Fields/Shump etc...
Very funny.Howard Beck @HowardBeckNYT
FYI, for those who believed Nash/Knicks deal was done: The person who tweeted it is now saying it was a joke.
anyone else tweet him a nice fuck you yet
I really need to get twitter
Howard Beck @HowardBeckNYT
FYI2: Unless Suns want Shump, and unless Knicks are willing to deal Shump, there's no way Nash ends up in NY. Even then, tough to pull off.
Follow @_ReubenJRD_@_ReubenJRD_:
@NYPost_Berman You're a damn analyst, don't be posting false information. Thank You. #NashToToronto
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
Seriously....Zach Lowe @ZachLowe_SI
@HowardBeckNYT But....But....these are the Knicks!!?? Can't they just sign anyone, and be reportedly interested in signing everyone!!??
so was it a big joke...my heart dropped just dropped as soon as i read the tweets? whats going on
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subset: commoncrawl


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American Association of Equine Practitioners
Pastern Lucencies' Effect on Racing Performance (AAEP 2011)
Certain lucencies should be taken seriously as they appear to have a significant effect on racing performance.
Photo by Julie Vargas, DVM
AAEP Issues Recommendations for Wild Horse & Burro Program
The AAEP BLM Task Force released its evaluation and recommendations for improving the handling of wild equids.
Photo by Bureau of Land Management
Anderson to Serve as AAEP Vice President
September 09, 2013
Kathleen Anderson, DVM, will be installed during the President's Luncheon at the 59th Annual Convention.... Read More
Attendees Gearing Up for 2012 AAEP Convention
November 26, 2012
Sally Baker of the AAEP shares the top five things attendees can look forward to when they land in California.... Read More
Exertional Muscle Disorders Topic of 2012 Milne Lecture
June 05, 2012
Stephanie Valberg, DVM, PhD, is the first female to deliver the Milne State-of-the-Art Lecture.... Read More
Sport Horse/Jumpers Practice Table Topic (AAEP 2011)
December 26, 2011
Attendees discussed the horse's overall work program, assessment, conditioning strategies, and more.... Read More
Pastern Lucencies' Effect on Racing Performance (AAEP 2011)
December 22, 2011
Certain lucencies should be taken seriously as they appear to have a significant effect on racing performance.... Read More
Lyme Disease Table Topic (AAEP 2011)
December 21, 2011
Topics discussed clinical signs, treatment options, diagnostic tests, and vaccination against Lyme disease.... Read More
Horse Handling Table Topic (AAEP 2011)
December 19, 2011
Understanding how the horse sees the world is key to developing a practical handling approach.... Read More
AAEP Examines Owner-Trainer-Vet Relationship in Racing
December 16, 2011
The AAEP is developing protocol to improve the relationship among owners, trainers, and veterinarians.... Read More
Sports Injury Rehabilitation Table Topic (AAEP 2011)
December 13, 2011
Topics discussed included soft tissue injuries, post-operative and posttrauma care, and neck and back pain.... Read More
Equine Piroplasmosis Table Topic (AAEP 2011)
December 12, 2011
Topics discussed included racetrack testing requirements, current testing options, and recent reerach results.... Read More
Equitarian Outreach Table Topic (AAEP 2011)
December 09, 2011
The Equitarian Initiative educates veterinarians interested in helpding working equids worldwide.... Read More
Cohen Discusses Epidemiology at AAEP Convention
December 09, 2011
Veterinarians use the principles of evidence-based medicine when they diagnose patients.... Read More
Wild Horse and Burro Program Table Topic (AAEP 2011)
December 06, 2011
Population control strategies, adoption screening procedures, and wild horse public image were discussed.... Read More
Lameness in the Racehorse Table Topic (AAEP 2011)
December 05, 2011
Attendees discussed hoof lameness, club feet, track surface's effect on lameness, back and neck pain, and EPM.... Read More
AAEP Convention Attracts 6,400 to San Antonio
November 30, 2011
Nearly 6,400 veterinary professionals, guests, and exhibitors attended the 2011 meeting.... Read More
AAEP Foundation Announces Laminitis Research Campaign
November 29, 2011
The first of multiple studies in the laminitis research campaign is already under way at Texas A&M.... Read More
Pfizer Participates in the 2011 AAEP Annual Convention
November 29, 2011
Pfizer Animal Health participated as a sponsor of the AAEP Foundation Celebration and various table topics.... Read More
AAEP Convention Attendees Assist at Therapeutic Riding Cente
November 29, 2011
Laura Smiley grasped the waistline of 13-year-old Branbt Franco's jeans as they paced along a fencel... Read More
OC Researcher Named AAEP Past Presidents' Research Fellow
November 23, 2011
McCoy's research investigates genetic risk factors for the development of osteochondrosis (OC).... Read More
Pfizer Donates $25,000 to AAEP Foundation Memorial Program
November 23, 2011
Pfizer will continue the Matching Challenge with another $25,000 pledge to match donations in 2012.... Read More
AAEP Foundation/Markel Scholarship Recipients Announced
November 22, 2011
Over the past 22 years, the program has allocated nearly $320,000 to assist 154 veterinary students.... Read More
AAEP Honors Past President Doug Corey, DVM
November 22, 2011
Corey was honored for his dedication to the AAEP and his efforts to preserve equine welfare.... Read More
Jill Beech, VMD, Named AAEP Distinguished Educator
November 22, 2011
Beech has influenced the careers of thousands of students and young faculty members at Penn Vet.... Read More
McDonnell Receives AAEP's George Stubbs Award
November 21, 2011
The award honors a nonveterinarian individual who has made substantial contributions to veterinary medicine... Read More
AAEP 2011: New President, Officers Inducted
November 21, 2011
Florida racetrack practitioner John Mitchell, DVM, began his service as the president of the American As... Read More
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- The Devil Is in the Details
- A Valid Veterinarian-Client-Patient Relationship
- 9 Ideas for Giving Tuesday
- Two Very Different Racehorses
- Snapshots of Safety: Riding Helmets as a Habit
- Sometimes the Kitchen Sink is Necessary
- Prepurchase Exams are Rarely Black and White


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The holidays can be a challenging time to go through, whether you have a mental illness or not. We are supposed to be full of cheer and good tidings to all, while simultaneously we are taxed for our time and our wallet. There are parties to attend, family to visit, foods to prepare and presents to buy. We are supposed to enjoy the sweets and treats that come from Thanksgiving till New Years Day without gaining a pound. There are sappy movies and sing along songs to experience. With each year that passes I seem to lose a little bit of that childhood wonderment over the holidays.
What if you know you will be alone during the holidays, or are homeless, looking for a warm spot in a cold world? What if a disease has brought you into circumstances that others may not know about or want to acknowledge? What if you are a veteran, home now, but still fighting the war of PTSD? Possibly you could be watching a family member going through a mental illness, and no matter what you do, you cant reach them? Would you be feeling hopeless in a world where everyone else seems to have happiness?
One of the hardest parts of my mental illness is the isolation I feel physically and emotionally. During the holidays, this is heightened. Sometimes it feels that the world is spinning around and around at a breakneck pace and I am on the outside watching as a mere spectator. Schizophrenia has altered lifes milestones for me and this causes me to sometimes feel isolated from society.
You may also feel the pain of isolation possibly family that didnt invite you over, a loved one who is gone, or a situation that no one else knows about that is causing a separation from those you care about. Isolation can be so hard to handle because it feels like there is no one out there to understand what you are going through and help you.
I have written about schizophrenia and what it has taught me. However, I have come to understand that the best lesson I have learned is to have hope: hope in the fact that tomorrow could be better; that there is joy in helping others and strength in sharing with others that tomorrow can be brighter. Only you may know the struggles you are facing during this holiday season. Hope first came in the hand of a family member guiding me to get help. There is help and hope out there for you.
I am extremely fortunate my mental illness was caught early and my treatment and recovery has gone so smoothly. A large support system has been there to help me in the recovery of schizophrenia. My family has been extremely supportive and understanding through this journey. However, my heart breaks every time I hear another story of someone else with a mental illness that has not been so fortunate. The thought of someone spending time alone during the holidays due to a death, separation or a broken relationship is hard to understand and handle.
In this season of Christmas lights, candlelight services, of candy canes and gingerbread houses, let us find someone to help. Whether this person is a complete stranger or a dear friend, may we find the time in our schedule to support them. In this world there is no lack of people in need, and we all, at one time or another, can use a little help in our lives. During this holiday season, may we all find the time to be a light to someone in need and give them a sweet memory to cherish.
Mindfulness is brought to you by NAMI Montelores, your local NAMI affiliate. NAMI is the National Alliance on Mental Illness, the nations largest grassroots mental health organization dedicated to improving the lives of individuals and families affected by mental illness. NAMI recognizes that the key concepts of recovery, resiliency and support are essential to improving the wellness and quality of life of all persons affected by mental illness. NAMI provides support, education, and advocacy for individuals and families through community classes, in-service trainings, support groups, and more.
Randy Davis is a member of NAMI Montelores . He can be reached at firstname.lastname@example.com.


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|Cardinal Donald W. Wuerl of Washington, bottom row, left, speaks with U.S. Chief Justice John Roberts following the annual Red Mass Oct. 6 at the Cathedral of St. Matthew the Apostle in Washington. Also pictured are, at top left, Archbishop Timothy P. Br oglio of the U.S. Archdiocese for the Military Services and Supreme Court Justice Clarence Thomas (in the red tie), and below them are Cardinal Theodore E. McCarrick, retired archbishop of Washington, with Roberts wife, Jane Sullivan Roberts. (CNS photo/ Jonathan Ernst, Reuters)
WASHINGTON (CNS) -- In his homily at the 61st annual Red Mass in the nation's capital, Dallas Bishop Kevin J. Farrell said that the Holy Spirit can help people seek unity and work for the common good.
"The Holy Spirit is the source of unity on all that matters, and the source of variety in and among the many differences we have that make us who we are," Bishop Farrell said Oct. 6. He said that the Holy Spirit, as it did at the first Pentecost, today "bestows wisdom, clarity, insight and, yes, unity."
The annual Mass is held on the Sunday before the U.S. Supreme Court opens its new session on the first Monday of October, and it is sponsored by the John Carroll Society of the Archdiocese of Washington.
Cardinal Donald W. Wuerl of Washington was the principal celebrant at the Mass at the Cathedral of St. Matthew the Apostle. Concelebrants included Archbishop Timothy P. Broglio of the U.S. Archdiocese for the Military Services and Bishop Paul S. Loverde of Arlington, Va.
The Mass is celebrated to invoke God's blessings on those who work in the administration of justice.
Chief Justice John G. Roberts Jr. and four current Supreme Court justices attended the Mass, Justices Antonin Scalia, Clarence Thomas, Stephen G. Breyer and Elena Kagan. Denis McDonough, President Barack Obama's chief of staff, also attended the Mass.
Cardinals William W. Baum and Theodore E. McCarrick, both former archbishops of Washington, were there, as were judges and attorneys, and deans, professors and students from local law schools.
Bishop Farrell noted that he was making a homecoming to Washington, where he had served as a priest and administrator from the early 1980s until being ordained as an auxiliary bishop there in 2002. Five years later, he was named to head the Dallas Diocese.
While not mentioning the federal government shutdown and the budget impasse between Congress and the White House, the bishop in his homily did speak about how people should work together and respect each other.
"We can and should debate, refine positions, truly listen to each other and seek consensus on essentials and respect details that may well be different," Bishop Farrell said, adding that "if dialogue means anything, it means not only that we take another seriously, but it means that we revere the other as a fellow human being with gifts and talents from God."
The bishop also later noted, "Petty partisanship and ever-politicizing rhetoric should have no place when men and women of good will come together to serve the common good."
Concelebrants of the Mass, who also included Washington Auxiliary Bishops Martin D. Holley and Barry C. Knestout and retired Auxiliary Bishop Leonard J. Olivier and 30 priests, wore red vestments as a sign of the tongues of fire sparked by the Holy Spirit at Pentecost. Bishop Farrell noted that the Mass offered a time to invoke the power of the Holy Spirit "on our nation's highest court and on our nation's elected officials."
During his years in the Archdiocese of Washington, Bishop Farrell directed the Spanish Catholic Center and Catholic Charities, and was archdiocesan secretary of finance and later as the archdiocese's vicar general for administration and moderator of the curia.
In his homily, Bishop Farrell did not mention the immigration reform debate that has been stymied by the shutdown, but he did emphasize the importance of welcoming newcomers.
He highlighted the Shrine of the Sacred Heart, a Washington parish founded in the 19th century by Irish and German immigrants that now serves many different immigrant populations, with weekend Masses in Spanish, Vietnamese, Creole, and English.
"The parish also does what so many parishes do today," he said. "They welcome the stranger in our midst in new and ever-changing circumstances. The immigrants who built the church building and the immigrants who populate the church today had and have very different needs.
"The languages spoken are many, and it is from the many languages that we and they offer praise and thanks to God for life, liberty and the pursuit of happiness on these shores."
Bishop Farrell also emphasized the importance of loving and serving the poor. "We serve all in need, not because they are Catholic, but because we are Catholic. That is our mission and our ministry. That is not just what we do; it is who we are," he said.
The bishop also noted how Catholics "believe in the dignity of each and every human being made in the image and likeness of God." Catholics, he said, have the right and responsibility to stand up for their beliefs in the public square. "However, in a pluralistic society, we also need to be respectful of those who do not agree with or follow our teachings."
The bishop, a native of Ireland who himself is an immigrant who found a home in Washington and then Dallas, said: "When we see and revere in the other person of a different color or creed or ethnic background the image and likeness of God, then we together can move forward as God's pilgrims on this good earth. When we remove obstacles in the way of welcoming the stranger in our midst, then we truly reflect the best of what this country stands for as a nation of immigrants."
- - -
Zimmermann is editor of the Catholic Standard, newspaper of the Archdiocese of Washington.
Copyright (c) 2013 Catholic News Service/U.S. Conference of Catholic Bishops
WASHINGTON (CNS) -- In his homily at the 61st annual Red Mass in the nation's capital, Dallas Bishop Kevin J. Farrell said that the Holy Spirit can help people seek unity and work for the common good.


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Don't get me wrong, Carter will always be a better dunker. His hands and coordination WHILE in the air are unparalleled. But my god can Ross get up. The kid is 6'7 and his head looked HIGHER than Blake Griffin's to the rim last night.
I've been saying since pre season this kid has a ton of potential. He wasn't even on anybody's radar in high school, in fact I don't think he played school ball until high school. He improved dramatically in his 2nd year at Washington, which leads me to believe he's developing late and rapidly. He will be better than Derozan, and really I believe his ceiling is future all star.


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If you are in the market for a used Porsche in Bridgeton, you are likely to find some great values. The price of a used Porsche car drops quickly from the time it drives off of the car dealer's lot. However, the phrase "cheap cars" refers only to the price. Porsche makes great cars and you can bet a used Porsche for Sale in Bridgeton is likely to be a quality car.
Most Porsche cars come nicely equipped from the factory with just about everything you could want, including, power windows, high-end stereo system, cruise control, etc. so when you are looking for used Porsche deals, all of the options are probably already in the car. When you find the used Porsche that looks right for you, just click on the car to read the details for that model.
It is such a popular brand, chances are you will find a used Porsche in or near Bridgeton, New Jersey. Our Bridgeton used Porsche listings are updated throughout the day so if you don't see the one you want, come back soon.
View All Used Porsche Listings in Bridgeton, NJ


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The Raptors seem to finally be able to pull off a trade just for the sake of doing something to change the current situation. This move came maybe a season too late since 2012-13 season is already done with. (The Raptors would have to win 25 games out of remaining 36 to finish at .500 and potentially make the playoffs - which will be impossible to do). Are there more moves to be made? Sure. I think the moves that are to follow this one are more critical to the Raptors success the next three years.
First they have to address the Bargnani situation. I suspect that they will have to include another quality player as part of the trade to make it happen. The question is who do they package along with Bargnani to make it happen?
There are two possibilities here. The first one, which is less likely, is that they package Lowry with Bargnani for another big and maybe a draft pick or a young athletic PG. The second option, which is more likely, is that they package DeRozan for another big and a combo guard with one or two years left on his contract.
After looking at viable candidates to make a trade before the deadline or during the summer two come to mind. Utah will not be able to resign both Millsap and Jefferson this offseason. I think it makes sense to trade both Bargnani and DeRozan for Mo Williams and Jefferson. If they both re-sign in the summer time, which is very likely, you automatically have a legitimate PF that scores and rebounds at 20/10 per game and a defensive minded combo guard that comes off the bench to help Lowry and Ross.
I believe that Ross will be a multi-year all-star if he is given the chance to play and grow next year.
The second team that might be willing to part with a big is NY Knicks. The chemistry with Amare Stoudemire back is not the same as at the beginning of the season. The Knicks might be willing to part with Amare and Iman Shubert for Bargnani and Lowry. The second trade is less likely because of Amares injury history and also Salary cap implications for the Raptors.
Now I have posted several messages in the past about my thoughts on Casey. I believe he is a great motivator and gets his players to play hard every night. He almost reminds me of a friend that will convince you that you are able to do anything, and you believe him. He just seems like a man without a plan. Just look at the players coming out of timeouts and end of quarter positions. Even Butch Carter made mention of this the other day on FAN590.


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Submit News
Study: Single Gene, Plus Some "Junk" DNA Turned Ape Ancestors Into Modern Man
Jason Mick
November 23, 2012 11:03 AM
Recipient E-mail
Sender E-mail
(Source: Matt Groening/Fox)
Crucial gene controls higher brain growth
To the uninformed observer it may seem baffling how geneticists, biochemists, paleontologists, and other researchers can claim that two creatures that look as different as a man and a monkey could not only be "related" but have been
produced by evolution
the last couple million years
I. It's All in the Genes
But the key to understanding evolution is to understand genetics: our body is driven by protein enzymes, which catalyze critical processes inside the body. Many proteins share common domains. And the blueprints to all the proteins a creature makes are stored in a special highly-ordered storage construct called DNA.
While living organisms go to great lengths to preserve their genetic code without errors like swapped sections or deletions, occassionally during the process of making sperm and eggs such an error is made. Most errors result in infertility or death of the offspring. But occasionally just the right combination of protein domains has accidentally been clumped together, producing something that fundamentally transforms the organism.
Researchers have finally found a gene -- perhaps
gene -- which separates humans from the ancestors they share with apes.
Humans and apes, both members of the order Primates, share
96 percent of their genetic code
. Most of the remaining 4 percent is so-called "junk" DNA; stretches of mostly inactive code.
Humans share 96 percent of their genetic code with primates, like this
Rhesus macaque
[Image Source: Mark Snelson]
Of course, junk DNA is not useless geneticists and biochemists have recently discovered. It has been shown to in many cases play a key role in regulation of other genes' expression and other "epigenetic" effects.
But researchers had yet to discover a truly active gene that humans have that apes lack -- until now.
II. miR-941 May Hold the Key to How Mankind is so Crafty
Researchers at the University of Edinburgh in Scotland have discovered a gene called miR-941, which is only found in humans and is absent in their primate relatives.
The gene was absent not only in the gorilla and
chimpanzee genomes
, but also in the genomes of other non-primates, such as mice and rats. The gene, absent in all the other critters except for man, is mainly active in the brain; particularly in areas of the brain
associated with so-called "higher brain" functions
The gene was actively being transcribed in the regions of the brain responsiible for language learning and decision making. Researchers hypothesize that it may play a key role in abilities that are largely unique to humans, such as formulating, understanding, and preserving multiple complex communications codes (languages) and developing advanced tools (weapons, machinery).
The newly discovered human-unique gene is active in areas of the brain associated with higher thinking processes. [Image Source: Neuroimages Tumblr]
Some other creatures -- gorillas, parrots, dolphins, and whales -- show different levels of sign language or spoken/sung language skills. And chimpanzees, octupi, and other creatures have been shown to use basic implements, like sticks, as tools. However, only humans are known to manifest these helpful survival skills in more complex manners.
Now, modern genetics may have cracked a key mystery of human evolution and explained why.
The research was
in the prestigious peer-review journal
Nature Communications
Nature Communications
"This is from the DailyTech.com. It's a science website." -- Rush Limbaugh
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text:
I always thought Mo Pete was going to be a "Raptors Lifer", as in playing his entire career with the Raptors but then he plateaued, then he regressed, then he couldn't accept his new reality, then he no longer fit the team and then he was moved. Fans have been on again, off again about their loyaty to Calderon for years now but honestly, he has the best shot at being the first Raptors Lifer and here's why.
- He's still got a lot left in the tank.
- He's humble and a team player.
- He likes being a leader.
- He wants to win and the Raptors could be on the dawn of a golden era.
- The Raptors are in need of a solid veteran PG and no legit successor to Calderon is in view.
Just like Mo Pete, things could change for Calderon and the Raptors, making them incompatible going forward. They also need to get over the hurdle of 2013 free agency if he's here then but I think he will be. As for the 2012-13 season, this puts it into perspective:
Source: thestar.comCalderon's future is a topic of debate among fans, but no one connected with the team has suggested they're looking to move him. He'll be 32 years old when the 2012-13 season opens with one year and just over $10 million left on his deal. With no successor on the roster, and coach Casey not enthralled with the thought of a rookie point guard for his team even if one could be found in a guard-thin draft, there's no reason to think Calderon won't play out his deal.


text:
Publishing tycoon Rupert Murdoch has previously stated that his company will begin charging for access to the content on all of its websites. Currently the only publication that charges for content in Murdoch's empire is the Wall Street Journal.
Shortly after Murdoch made the decree that all of News Corps. websites would charge for access to content, Google CEO Eric Schmidt scoffed at the plan and said that newspapers don't want to "piss off" readers. Schmidt has again scoffed at Murdoch's plan to charge for online content.
Schmidt told attendees at a meeting of a group of British broadcasting executives that it would be very hard to charge for content online because the same content is available free.
Reuters quotes Schmidt saying, "In general these models have not worked for general public consumption because there are enough free sources that the marginal value of paying is not justified based on the incremental value of quantity. So my guess is for niche and specialist markets ... it will be possible to do it but I think it is unlikely that you will be able to do it for all news."
Schmidt is basically saying that the Wall Street Journal being successful with charging for content online is the exception, not the rule.
Murdoch has still not rolled out his pay for content scheme to any of the other websites in his publishing empire; perhaps he knows deep down that wishing readers would pay and getting them to do so are two very different things.


text:
Most of the article is a transcribe of his interview yesterday which was posted in another thread.According to at least one medical reference source, if no postoperative immobilization is necessary, it may be possible for Fields to begin active motion almost immediately with the resumption of normal activities within one to two months, so the Raptors have hope for a quick return to the lineup.
With a solid explanation behind Fields abysmal start to the season and the likely solution in hand, the complaints about the Raptors free agent addition should begin to die down. Fields wasnt trying too hard or suffering from poor team chemistry, it was a correctable medical condition and the Raptors will find out what kind of player they really acquired in another month or two.
What do you think? Is Fields a bust? Is this injury an excuse? Do you reserve the right to pass judgement?


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.
Census of Population and Housing, 1970 [United States]: Summary Statistic File 4C -- Population [Fourth Count] (ICPSR 8107)
Principal Investigator(s): United States Department of Commerce. Bureau of the Census
These data are from the 20-, 15-, and 5-percent samples of the 1970 United States Census of Population and Housing, and contain tabulations of population characteristics such as education, occupation, income, citizenship, and vocational training. Twenty selected geographic summary areas -- including states, counties, standard metropolitan statistical areas, urbanized areas, and places -- constitute the units of observation. Separate tallies are shown for whites, Blacks, Hispanic American (referred to as Spanish Americans in the 1970 Census), and the total population.
Series: Census of Population and Housing, 1970 [United States] 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: Because this study has many datasets, the download all files option has been suppressed, and you will need to download one dataset at a time.
WARNING: This study is over 150MB in size and may take several minutes to download on a typical internet connection.
Study Description
United States Department of Commerce. Bureau of the Census. Census of Population and Housing, 1970 [United States]: Summary Statistic File 4C -- Population [Fourth Count]. ICPSR08107-v2. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2001. https://doi.org/10.3886/ICPSR08107.v2
Persistent URL: https://doi.org/10.3886/ICPSR08107.v2
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
Scope of Study
Subject Terms: census data, citizenship, counties, education, income, metropolitan statistical areas, occupations, population, population characteristics, states (USA), urban areas, vocational education
Geographic Coverage: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York (state), North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, United States, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
- 1970
- 1970
Universe: All persons and housing units in the United States.
The number of cases (summary areas) varies by state. For the entire United States, there are about 13,000 summary areas. Each case comprises up to 64 records and has a maximum of 14,788 variables.
The data were provided to ICPSR by the Center of Demography and Ecology at the University of Wisconsin.
Part numbers correspond to FIPS codes of states and are not consecutive.
The codebook, Part 70, Codebook for All Parts, consists of Parts 1 and 2 of the 1970 Census Users' Guide published by the Bureau of the Census.
In the 1970 Census Users' Guide, this data collection is named "Fourth Count Population Summary Tape, File C."
Original ICPSR Release: 1984-06-28
- 2006-01-12 All files were removed from dataset 70 and flagged as study-level files, so that they will accompany all downloads.
- 2006-01-12 All files were removed from dataset 70 and flagged as study-level files, so that they will accompany all downloads.
- 2001-03-27 The data for this collection, previously available only in DUALabs format, are now available as ASCII files. Also the parts have been renumbered according to state FIPS codes.
- 1997-02-13 An electronic codebook in PDF format has been added as Part 52.
Related Publications
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
Americans' Use of Credit Continues Decline: Equifax
Just as the American Bankers Association reported that credit card delinquency has hit its lowest point in years, Equifax is reporting that consumers continued to cut their credit lines in 2012.
Total consumer credit card debt was $603.4 billion in January 2013, down 0.85% from January of the previous year, according to new Credit Trends Report data from Equifax, one of the three major national credit reporting bureaus.
By comparison, the total consumer credit card debt declined by 1.56% between January 2011 and January 2012.
The credit bureau reported that all major metropolitan areas across the country saw a decline with only consumers in Houston increasing the amount of credit they carried.
Equifax also reported that not only are consumers declining to add to the credit they already have, they are also underusing the credit lines they have as well.
Credit card utilization -- the percentage of the credit limit that people have used-- has declined during the past two Januaries.
Credit card utilization was 21.97% in January 2013, down from 22.62% in January 2012 and 24.09 % in January 2011. The declines occurred in all of the top 25 metro areas, as well as the country as a whole.
"These new reports, along with other data we have examined on credit scores and total consumer debt, tell the story that consumers continue to be disciplined in their borrowing," said Trey Loughran, president of the Personal Solutions division at Equifax. "It is particularly interesting to look at January data, as that month always has the highest consumer credit card debt totals, with many consumers experiencing a bit of a 'hangover' from holiday spending," Loughran said. "We expect this 'disciplined consumer' trend to continue for a while. Even as the economy improves, people remain cautious about taking on new debt."


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.
Census of Population and Housing, 1980 [United States]: Summary Tape File 1B (ICPSR 7975)
Principal Investigator(s): United States Department of Commerce. Bureau of the Census
Summary Tape File (STF) 1 consists of four sets of computer-readable data files containing detailed tabulations of the nation's population and housing characteristics produced from the 1980 Census. This series is comprised of STF 1A, STF 1B, STF 1C, and STF 1D. All files in the STF 1 series are identical, containing 321 substantive data variables organized in the form of 59 "tables," as well as standard geographic identification variables. All of the data items contained in the STF 1 files were tabulated from the "complete count" or "100-percent" questions included on the 1980 Census questionnaire. All four groups of files within the STF 1 series have identical record formats and technical characteristics and differ only in the types of geographical areas for which the summarized data items are presented. STF 1B contains summaries for states, standard metropolitan statistical areas (portions within states), counties, minor civil divisions (available for 20 states), places, census tracts or block numbering areas, and blocks or enumeration districts. There are 52 data files, one for each state, the District of Columbia, and Puerto Rico. Housing items tabulated include occupancy/vacancy status, tenure, contract rent, value, condominium status, number of rooms, and plumbing facilities. Population items include demographic information such as age, sex, race, marital status, Spanish origin, household relationship, and household type. Selected aggregates, means, and medians are also provided.
Series: Census of Population and Housing, 1980 [United States] 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: Because this study has many datasets, the download all files option has been suppressed, and you will need to download one dataset at a time.
WARNING: This study is over 150MB in size and may take several minutes to download on a typical internet connection.
ASCII + SAS Setup
ASCII + SPSS Setup
Study Description
United States Department of Commerce. Bureau of the Census. Census of Population and Housing, 1980 [United States]: Summary Tape File 1B. ICPSR07975-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2003. https://doi.org/10.3886/ICPSR07975.v1
Persistent URL: https://doi.org/10.3886/ICPSR07975.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
Scope of Study
Subject Terms: census county divisions, census data, census regions, census tract level, congressional districts, consolidated metropolitan statistical areas, counties, demographic characteristics, households, housing, metropolitan statistical areas, minor civil divisions, population characteristics, states (USA), urban areas
Geographic Coverage: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York (state), North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, United States, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
- 1980
- 1980
Universe: All persons and housing units in the United States.
Records in Parts 1-56 consist of 3,276 characters and have two record segments (physical records) of 1,638 characters each. Records in Part 72 consist of 2,700 characters and have two record segments of 1,350 characters each.
Original ICPSR Release: 1984-06-28
- 2012-01-05 Two missing quotation marks were added to the value labels command in the SPSS Setup for All Parts Except Puerto Rico.
- 2003-02-06 SAS and SPSS data definition statements have been added to the collection.
Related Publications
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Export Options: RIS/EndNote
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
Read reviews about bars and cafes across the UK and Ireland. Whether you're on holiday, a business trip or it's the town where you live, don't miss the best pubs bars. Search our Pubs and Bars National category by country, country region and city or town. Compare consumer reviews, services, prices and more. Use dooyoo - be informed about the UK and Ireland! You can also add your own opinion about a British or Irish Pub or Bar you've been to.
* Prices may differ from that shown


text:
|Item ID: 1464649
|Watch Listing
$4 49
Winning Post (ウイニンクホスト) is a thoroughbred horse racing simulation game series from Koei, made in 1993. It started a series that continues to this day.
This is a Japanese Mega CD game and needs an import enabler (such as Mega Cart) to play in US or PAL hardware. You could also play this game on a PC emulator. The game has been tested and works great.
I am based in Japan so I charge the same price to ship to the United States, North America, Europe, etc. I will charge the price listed as "U.S." regardless of where you live (unless you live in Japan and then I can quote you a domestic price). I ship everything standard airmail and it should arrive to most destinations within 7-10 days.
Loose carts and CD games will be wrapped in a removable plastic sleeve and then placed in a bubble wrapped mailer for shipping. Boxed or fragile games will be cushioned with bubble wrap or newspaper and put in a larger box. Please remember, the games will ship from Japan so please allow some additional shipping time. Also during Japanese postal holidays (New Year's, Golden Week, Obon) orders will be delayed while the post office is closed.
I am able to combine orders. I will automatically combine orders and in nearly all cases lower the price. If you are buying lots of small items like loose carts or Jewel Case discs the combined shipping can be significantly less than what is listed.
You are not signed in. Login Here.
If you are not registered, you can Register Here
I am a gamer and collector living in Japan (originally from America). I have always loved Japanese video games, and I want to share them with fans around the world. Contact me if there are import games you are looking for or if you have any questions.
famicomvinnk (276 )
Located in Nakatsu City,
Member Since October 26, 2013
View all listings by famicomvinnk.


text:
Media invitation for 80th INTERPOL General Assembly in Vietnam
LYON, France – The theme of the 80th INTERPOL General Assembly, which will take place in Hanoi, Vietnam from 31 October – 3 November, is 'Connecting Police for a Safer World – Strong partnerships, innovation and capacity building.'
Senior law enforcement officials and security experts from around the world will gather at INTERPOL's General Assembly to discuss a range of issues including the use of new technologies in the prevention and investigation of crimes, the need for global legislation to assist in combating online child sexual exploitation, and proactive approaches to policing challenges which include maritime piracy.
The official opening ceremony and speeches by senior Vietnamese and INTERPOL officials will take place at 9.30am on Monday 31 October and are open to the media. This will be immediately followed by a press conference.
Although the main conference proceedings are closed to the media, a range of media briefings will be held on Tuesday and Wednesday 1- 2 November. Interviews with police officials and international delegates may also be arranged upon request. The closing ceremony will also be open to the media and will be held at 12.15pm on Thursday 3 November.
Journalists wishing to cover the event should apply for accreditation no later than Friday 7 October using the 80th INTERPOL General Assembly press visa and accreditation form. Please note that it is the responsibility of journalists wishing to attend INTERPOL's General Assembly to ensure that they have secured any visas required for entry to Vietnam.
Applications and further enquiries regarding the accreditation and visa process should be addressed to the Press and Information Department, Ministry of Foreign Affairs, No. 7 Chu Van An Str., Hanoi, Vietnam, tel: (84-4) 3799 3451 / 3845 5401, fax: (84-4) 3823 4137; e-mail: email@example.com
Journalists without accreditation will not be granted access, and all accredited media representatives will be expected to present their press credentials and identification documents at the media registration desk upon arrival.


text: I think the uniforms look pretty bad, but I 100% appreciate the original reason they were worn, to honour our veterans and the brave men & women currently serving in the Canadian armed forces. I liked them being worn on the Raptors' armed forces appreciation night (Canadian armed forces day is the 1st Sunday in June, per Wikipedia), but I think wearing them for additional random games is dumb and confuses the meaning. If Stein knew why and when they were worn, I would be willing to bet he'd have a completely different opinion.


text:
Blue jeans featuring a regular length, a high-rise, a waistband with belt loops two front pockets and button and exposed zip fastening two back pockets and a drawstring belt feature.
This item ships from
Kirna Zabete
14 Day Return Policy
Slip into style. Whether you're aiming for sparkly evening glam, office-worthy sleek or vacation ready festive, there's a backless beauty here that fits the bill.
This lush hue lends a lively yet refined touch that won't go unnoticed. From satiny shoulder bags and delicate baubles to silky gowns and pleated skirts, these are the pieces that will turn heads this winter.
Make an instant impact with a show-stopping topper. In every iteration from quilted satin to embroidered tweed to bold plaid, these standout styles will provide the perfect finishing touch.


text:
With a
refresh of the MacBook Air seemingly impending the rumor mill
surrounding Apple Inc. (AAPL)
is once again heating up.
According to Macotakara.jp, a Japanese Apple
fan site, the latest version of the ultraportable will use cutting edge flash memory
technology. The site cites sources at unnamed Asian chipmakers as
claiming that the latest Airs will contain 19nm flash memory chips soldered
directly onto the motherboard for blazing speeds of up to 400 megabits per
Current generation MacBook Airs only have RAM chips soldered on. The SSD
for the laptops are connected using mSATA connectors.
Apple reportedly calls the new technology Toggle DDR2.0. Aside from the
rather curious title (ostensibly it involves NAND flash, not DDR memory), the
technology is expected to be Apple's proprietary implementation of the Open
NAND Flash Interface (ONFI) Working Group's ONFI 3.0 standard.
ONFI 3.0 promises faster speeds and reduces the number of pins on flash memory
chips. These factors add up to nearly "instant" boot times and
fast file copies.
If the rumor about the new flash is true, it likely comes from Micron
Technology, Inc. (MU),
Intel Corp. (INTC), or Spansion Inc. (CODE) -- all members of the ONFI 3.0 coalition. Apple's current NAND supplier, South Korea's Samsung Electronics (SEO:005930), and the world's second biggest
producer, Toshiba Corp. (TYO:6502)
are not currently members.
A split with Samsung would make sense, given Apple's ongoing legal war with the gadget and
component maker.
At times Apple has been on the bleeding edge of introducing new standards.
It was the first major manufacturer to push Intel's proprietary LightPeak
interface, which it renamed Thunderbolt. The refresh of the MacBook Air
is expected to come packing Thunderbolt as well, which requires fancy chip-laden $50 USD cables to work.
OS X Lion and the refreshed MacBook Air are
expected to launch on July 14.


text:
This wall map charts the Major League Baseball stadiums you've visited and the ones you plan on seeing. The map lists all 59 ballparks that have hosted Major League Baseball teams since 1912, including relics like the Houston Astrodome--the world's first domed sports stadium--and modern marvels like Yankee Stadium. Fifty-three color-coded pins and flags insert into the map: 50 white pins for stadiums you've visited, one blue flag for your most recent conquest, one yellow flag for your next destination, and a green flag for your favorite stadium. A map key lists each team's home ballparks--including franchises like the Boston Red Sox and Chicago Cubs that have played in the same stadium for over 95 years. The American political map also plots iconic baseball locations like the Hall of Fame and Field of Dreams. Set inside a mahogany-stained frame with a wire hanger, the map has a metal plaque that can be personalized with up to 50 characters. 33 1/2" W x 21" H x 1" D. (4 lbs.)
Shipping charges noted in parentheses apply in addition to our standard shipping & service.
We're sorry, but gift wrap is not available. Please call 1-800-395-7006 for Premium or Express delivery rates.
Oversized items scheduled for expedited delivery (Premium or Express) may incur additional shipping and services charges because of their unusual size. Please call 1-800-321-1484 for an estimate of S&S charges. International callers, please call 1-513-860-3397.
We're sorry, but gift wrap is not available for oversized items.
Shipped via truck and may require customer assistance upon delivery. You will be contacted to make an appointment for delivery.
We're sorry, but gift wrap and gift cards are not available.
GST still applies and will be charged upon processing. For complete shipping & service charges please call Customer Service at
May we recommend:
COPYRIGHT © 2018 HAMMACHER SCHLEMMER & COMPANY, INC. ALL RIGHTS RESERVED. W110147 E. 57th ST • NEW YORK, NY • 10022 • 1-800-_321-1484


text:
A new hack that was demonstrated at
DEFCON 2009 doesn't attack the software of Apple computers, rather it
attacks the hardware.
Strangely it doesn't attack hardware
inside the computer, rather the attack focuses on Apple's USB
and Bluetooth keyboards. That means that once infected, the
keyboard can't simply be repaired with a firmware update. The man
who devised the hack goes by K. Chen and says he goes by that name
because of fear that he would be harassed by Mac fans.
infected, the keyboard spits the text most recently typed in reverse
order back onto the screen of the computer each time the enter key is
pressed. The demonstration shows that the hardware attack is capable
of recording keystrokes and injecting them back to the host machine.
The key logging capability of the attack can also reportedly work
during the boot phase unlocking more hardware and encryption
When the keyboard is infected, it can be used to run
a bash connect back shell and then give the attacker full control
over the computer allowing a root kit to be installed. The level of
control is enough that the hacker could wait until the computer was
idle and then start the attack.
The exact weakness in the Mac
OS used to install the hack on the keyboard is unknown, but Chen says
that the code needed to execute the attack in under 100kb and takes
under 18 seconds to execute. Once infected the keyboard can't be
fixed and would simply need to be replaced. Chen says he is working
with Apple on a fix for the issue.
More and more security
issues are being found with Mac computers as they grow in
popularity and become more appealing targets for hackers.


text:
Combining Customer Information With Sound Judgment
When it comes to your customers, you know more than you realize. Thanks to modern data archive and customer resource management systems, there is now little shortage of client information — both individually and in aggregate. The challenge is no longer what a company knows about its customers, the challenge has become how to access that information, incorporate it in real time, and respond to it with each transaction.
Across industries, business customers expect personalized attention. For example, savvy restaurateurs understand the importance of knowing their regular diners' names, food allergies or favorite bottle of wine. Fundraisers know which hot-button issue is likely to generate a contribution and customize their appeals to maximize response.
Credit unions have likewise taken a more personal approach to their customers' banking. Tellers are encouraged to recognize clients and greet them by name. Credit offers are customized to meet the specific situation of each borrower. Increasingly, specific information about each customer is used to better respond to each transaction. In fact, credit unions frequently cite superior customer management as a key differentiator when attracting new clients and retaining current ones.
Front-office employees often have qualitative information that can enhance strategic decisions and should be included in back-end data systems. Conversely, detailed client data needs to be instantly available when making a customer-facing product decision. Unfortunately, there remains a disconnect between the front-office personnel handling transactions and the back-office information repositories where client data is stored. Credit unions must bridge this gap if they are to develop an effective customer-centric strategy.
Designing and implementing a customer-centric strategy increases client loyalty while at the same time ensuring uniformity to deposit product offers, lending decisions or discretionary fee waivers. When effectively deployed, these strategies not only help understand why a customer may be asking for an exception—to match a competitor's offer for example—but also documents these decisions into future back-office decision processes.
Building a Customer-Centric Strategy
A customer-centric strategy is not simply providing good customer service; it requires planning to manage the many sources of client data and increasing number of transaction points. This means taking a holistic look at customer strategies and ensuring that each transaction process serves the common goal. While each transaction — regardless of where it originates — should be personalized for the individual expectations of the customer, it should also serve the business goals of increasing revenue, reducing customer attrition and improving the customer's experience.
A four-part approach:
- Plan the strategy;
- Set an adoption timetable (including a pilot);
- Measure customer feedback and acceptance;
- Quantify the results.
This first step toward a holistic customer-centric approach is to have a strategy. Quantify all existing information available about each client, whether from internal systems of record or external data sources, and ensure that this information is readily available whenever required. This information should include critical qualitative input from customer-facing staff.
Let's look at an example of this:
While traveling on vacation, Joe Eyesaver buys three pairs of sunglasses (one for himself, his wife and his daughter). Unfortunately, Joe's credit card issuer declines the transaction citing triggers of fraudulent behavior. (People usually only buy sunglasses one pair at a time.) Generally this might be a good fraud prevention strategy to prevent unnecessary losses, but this purchase is anything but fraudulent. In fact, when Joe calls the credit union he is quick to point out to the call center rep that he used the same credit card to purchase his airplane tickets to the location city where he was making the purchase.
Unfortunately, in most cases this qualitative customer feedback will never be integrated into proactive customer strategies. However, the credit union that does so will have achieved a measurable impact on customer experience and lifetime value.
A more general example of this applies to deposit accounts. A credit union may consider lowering home equity lines of credit because of home price depreciation on customers with hundreds of thousands of dollars in deposits. This is a decision strategy that does no favors for the customer or the credit union, where customer retention should be a priority.
Strategies should allow for insights from customer-facing employees, who should be empowered to provide insights best discovered through customer interactions. Actively engaging customer-facing staff to align strategy designs with practical real-world experience will improve adoption and better satisfy customers, and meet objectives. This collaborative approach ensures complete adoption from customer-facing bankers and measurable customer experience improvements that are quantified by improved customer retention and new customer acquisitions.
Starting with a pilot project, launch the roll-out. This should include mechanisms to adjust the strategy and update data as the project advances. Next, measure customer response, both in terms-of reactions to changes in customer service levels, as well as any changes to responses to product offers. Finally, keep a scorecard; measure the results as they apply to the organization's long-term goals.
Establishing objective measures of success is critical to making sure that the piloted strategy meets financial hurdles without creating attrition with existing customers. Regardless of what is being implemented — such as deposit products fee management policies, time deposit rate exceptions policies, customer servicing strategies, or risk assessment models and treatment strategies — it's critical that shareholders and customers are served by these strategies. Establishing clear metrics for success and accurately monitoring these metrics ensures consistent outcomes.
Customer-Centric = Long-Term Competitiveness
Credit unions that successfully implement holistic customer-centric strategies immediately improve operating efficiency. The resulting customer treatment strategies are easy to understand and apply consistently across the enterprise, resulting in improved customer service scores as customers come to appreciate the value of their relationship.
Investing in customer-centric strategies can help ensure a credit union's long-term competitiveness by differentiating the organization from its competitors and by training employees to proactively pay attention to what is most important to the best customers. Returns on investing in superior customer-centric strategies can exceed 20 percent the first year of implementation. These results can be compounded in subsequent years due to repeat business, new customer referrals and customer loyalty.
John Taylor is a senior business consultant with Experian's Global Consulting Practice in Costa Mesa, Calif.


text:
A British study done by the Transport Research Laboratory (TRL) for the British Royal Automobile Club Foundation indicates it's more dangerous to send text messages while driving even when compared to drivers under the influence of alcohol or drugs.
The study showed that drivers who text and drive become more than one third slower than if they were coherent and not texting – this was compared to a person at the DUI limit or under the influence of marijuana. Text messaging lowered reaction time by 35 percent, while people high on marijuana slowed down 21 percent and those who were drunk slowed down by 12 percent.
On top of those findings, people reading or writing text messages drifted out of their lane more than people who were focused solely on driving. Texters also had a more difficult maintaining a safe distance from cars around them.
Around half of British drivers between the ages of 18 and 24 text while driving, the RAC Foundation said.
"When texting, drivers are distracted by taking their hand off the wheel to use their phone, by trying to read small text on the phone display and by thinking about how to write their message," said Dr. Nick Reed, TRL senior human factors researcher. "This combination of factors resulted in the impairments to reaction time and vehicle control that place the driver at a greater risk than having consumed alcohol to the legal limit for driving."
The British Department for Transport, in response to the increased danger of texting while driving, has increased the ticket for using a cell phone while driving. In addition to increasing the fine, the agency also has launched an ad campaign to inform drivers how dangerous it is to text and drive.
Most states in the United States do not have laws banning text messaging while driving, but drivers can often times be pulled over if they are seen driving recklessly while using their mobile phone. The state of California has banned talking on a cell phone without the use of a hands-free device, and a ban on text messaging while driving will likely go into effect in 2009.


text:
April 3, 2014
These are the events for the selected day.
Skeletons exhibit in the Hall of Ancient Life
Don't miss the special exhibit "Stories from Skeletons: Hard Evidence," opening July 20 at the Virginia Museum of Natural History! This exhibit is sponsored by River Community Bank.
"Nano" exhibit
The special exhibit "Nano" is now open through May 10, 2014 in the Suzanne M. Lacy Education Center at VMNH. This exhibit is sponsored by George & Jean Adams, and Carter Bank & Trust.
Dinosaur Discovery exhibit open January 12, 2013 to April 5, 2014.
As part of the Dinosaurs exhibits, Dinosaur Discovery features a walk-through maze, consisting of a series of dinosaur murals on the inner-walls of the maze, as well as dinosaur specimens and interactive elements awaiting participants at nearly every "wrong" turn. The exhibits also display dozens of real dinosaur fossils, some of which include a Stegasaurus shoulder blade and Diplodocid thigh bones.
Additionally, the exhibit marks the return of one of the museum's most popular displays ever to be exhibited, "Cera" the animatronic Triceratops. With a push of a button, "Cera" moves about for visitors.


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DENVER The Legislature took a step toward repealing a strict immigration law against sanctuary cities that it passed in 2006.
Mondays vote in the House, along with passage this month of a bill allowing in-state tuition for the children of illegal immigrants, signal a step back from the strict immigration laws the Legislature passed just six years ago in a vastly different political climate.
In 2006, Durango was one of a handful of cities that Republicans decried as sanctuaries for illegal immigrants because of policies that avoid using city resources to deport them.
Since then, however, the federal Secure Communities program has gone into effect. It places the federal priority on identifying dangerous illegal immigrants in local jails and deporting them.
Sponsors of House Bill 1258 said the Secure Communities program makes the states sanctuary city law redundant and unneeded.
Rep. Angela Williams, D-Denver, said repealing the 2006 law would help cut down on racial profiling by police.
This is so critical in an effort to build trust between our communities and our law enforcement officials, Williams said.
The Colorado Association of Chiefs of Police and the County Sheriffs of Colorado support repealing the sanctuary cities bill. Police have complained that illegal immigrants who witness crimes are afraid to talk to local police because of fear of deportation.
Rep. Chris Holbert, R-Parker, argued against repealing the 2006 law. He tried to amend HB 1258 to allow citizens to sue their police departments for not enforcing federal immigration laws.
If were going to strike down our ability at the state level to effectively ban sanctuary cities if were going to get rid of that state law then lets make sure our law-enforcement agencies and local governments enforce federal law, Holbert said.
Just one Republican, Rep. Timothy Dore of Elizabeth, joined all Democrats in voting for the bill.
Locally, Rep. Don Coram, R-Montrose, voted against it, while Rep. Mike McLachlan, D-Durango, was out sick and did not vote.
The bill passed the House 36-26 and now goes to the Senate.
Although most Republicans opposed it, they did not put up a protracted fight against the bill and offered no debate Monday.
It was a different story in 2006.
That year, large rallies on both sides of the illegal immigration debate rattled legislators, and then-Gov. Bill Owens called a special session about illegal immigration.
Democrats were eager to avoid a ballot question on the topic, so they bragged after the special session that they had passed the nations toughest immigration law. It forbade government benefits to people who couldnt prove their citizenship.
Earlier this year, the Legislature created a major exception to that law by granting in-state tuition to children who immigrated illegally with their parents. Gov. John Hickenlooper is expected to sign that bill soon.
The shift on immigration rhetoric is easy to see in whats shaping up to be one of the hottest congressional races of 2014. In the Denver suburbs, Republican Rep. Mike Coffman is defending his seat against former Speaker of the House Andrew Romanoff, D-Denver.
Romanoff sponsored the law denying benefits in 2006, and he voted for the sanctuary city bill. He told television station Fox 31 that he now agrees with repealing the sanctuary law.
Coffman, meanwhile, now says he supports legal status for some illegal immigrants. Just two years ago, he spoke out against the Dream Act, calling it a nightmare. The bill would give young people brought to the United States illegally a path to citizenship and the possibility of going to college.


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How to Stay Secure
The information provided here is designed to help protect your computer, yourself, and the campus from security attacks.
Minimum Network Connectivity Requirements
UCSC has Minimum Network Connectivity Requirements for all devices connected to the campus network. The links below will help you understand these requirements. Devices that don't meet them may be disconnected from the campus network.
- Install Operating System and Software Updates
- Use Malicious Software Protection (e.g. Anti-Virus)
- Turn On Your Computer's Firewall
- Protect Passwords
- Send Passwords and Restricted Data Securely
- Physical Security is Important, Too
- Lock Your Computer Screen
- Turn Off Unnecessary Services
- No Open Email Relays or Unauthorized Proxy Servers
- Security Audit Agents
ITS can assist you in configuring your computer to meet these requirements. To request this service, or if you have questions or concerns, contact the ITS Support Center.
Cyber Security Basics
The ITS "Top 10 List" of Good Computing Practices provides general good computing practices and tips that apply to most people who use a computer.
Also see our printable "Cyber Security at UC Santa Cruz" Brochure (PDF), which includes the "Top 10 List" plus other cyber security tips and resources.
Additional information to help keep your computer and data safe and secure:
- Protect Information when using the Internet and email
- Google Privacy and Security Tips
- Beware of Scams
- Mobile Devices and Wireless
- Prevent Identity Theft
- Don't Download Unknown or Unsolicited Programs or Files
- Back Up Important Files
- Secure Your Web Browsers
- Bots, Botnets, and Zombies
- Home Computer Security
- Travel Securely
Security Information for Students
Cyber Security Awareness
Cyber Security Toolkit
Here are some security-related tools and resources available to everyone in the UCSC community.
- Google's 2-step verification
- eduroam secure wireless - available at UCSC and at many other universities worldwide!
- Campus virtual private network (VPN)
- Encryption tools - for encrypting stored information
- Checklist for lost/stolen mobile devices
- Password managers - for secure password storage
- Microsoft Password Strength Checker
- Free digital certificates - for UCSC service providers who run web servers
- Google's Safe Browsing Tool - see whether Google has flagged a website as dangerous to visit (more info...)
- Secure data disposal - for University devices and electronic media containing restricted data
- Security Tips for Traveling Abroad - a collection of Higher Ed and government pages related to security while traveling abroad
Protecting Restricted Data
Restricted data is any confidential or personal information that is protected by law or policy and that requires the highest level of access control and security protection, whether in storage or in transit.
- Practices for Protecting Restricted Data
- Personal Identity Information (PII)
- Personal Identity Information (PII) Training
- Restricted Data Resources


text:
-VGChartz Staff, posted on 31 December 1969 / 0 Views - Edit this article
Via Gamewise.co - the ultimate video game resource with wiki guides, walkthroughs and cheats for all of your favourite games.
Related Content
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California has long led the nation's solar efforts. However, it is facing increasing legal pressure as the state's environmentalists clash over whether installing solar power is worth possible environmental damage.
The conflict was brought into sharp focus when activist judge Jean Vieth, an administrative law judge with the California Public Utilities Commission, struck down plans to build a high power transmission line from the remote Californian desert, effectively dooming the massive solar initiatives set to be built in the desert.
The desert project was a joint initiative by San Diego Gas & Electric and Phoenix-based Stirling Energy Systems signed in 2005. It aimed to install 900 MW of Stirling solar power in uninhabited Southern Californian desert wasteland. Stirling power is a method of concentrating sunlight with mirrors onto water fueling a Stirling engine, and is thought to possibly yield higher efficiencies than photovoltaic cells. The plant would feature 34,000 dishes, each generating 25 kW.
Central to the plan was the construction of a suitable power transmission line. SDG&E had partnered with Sterling Energy Systems to create the Sunrise Powerlink a $1.3B USD power line to bring the solar power to Californian cities.
The project was struck down by Judge Vieth, who argues that its 150-foot-high transmission towers, which would cut through Anza-Borrego State Park, could be environmentally damaging. The park features many protective species and Judge Vieth calls the power lines impact "frightening".
The project has generated an 11,000-page environmental impact report, which is so long that few have taken the time to read it all. Judge Vieth's decision alone was 265 pages. In it she wrote, "The potentially high economic costs to ratepayers and the potential implications for our [greenhouse gas] policy objectives do not justify the severe environmental damage that any of the transmission proposals would cause."
The fight is far from over, though. The public utilities commission meets in December to vote on whether to accept the Judge's ruling. A commissioner assigned to review the case created an alternative, which they are also considering. The alternative would be to move the route of the transmission line slightly, increasing costs, but potentially having less environmental impact.
Opponents of the project have argued that San Diego, the target for most of the generated power, already has enough rooftop space for urban installation of an equivalent solar installation. The Judge has stated that she prefers this alternative.
COO Bruce Osborn previously stated to The Green Wombat, an online publication, that even if the Sunrise Powerlink was killed, there was still enough capacity to carry the 300 MW from the first phase of the project. However, this will likely place more stress on California's already badly aging power grid. Stirling still has its 20-year contract to supply up to 850 megawatts of electricity to utility Southern California Edison, a deal entirely unrelated, to fall back upon.
The case, while far from finished, illustrates an upcoming battle to be waged among once-allies. As our nation embraces alternative energy, part of President-elect Barack Obama's ambitious national initiative, there will likely be increasing clashes between environmentalists supporting alternative energy installation, and those opposing it for possible environmental damage.


text: What do u think.... arent Madara pathetic ? I cant wait for tha moment when they will get rid of him ... He just stol Hashi cells and he talks so big of himself .. it get on my nervs.. I'm number 1.. no one can beat meee... LOOSER U STOLE SOMEONE ELSE POWER(DNA) and u think u are the best ever u are no different from Danzo u are just crap who use someone else power ... such a shame.. I WANT MADARA GONE.... Do u feel the same way about him ? Because I clearly dont like him


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One of the obvious flaws in Larry Tradlener's latest word from McElmo Canyon regards the "Suntan Tax" and its subtle method of controlling human behavior: Has the author not heard of a cigarette tax, or a tax on alcohol? These are also attempts at controlling human behavior and have been in effect for years. Many people regard them as excellent methods of promoting a healthier life, reducing health costs, and are therefore justified. I will attempt to point out more fallacies in my next letter.
David Primrose
Omaha, Neb.
Via CortezJournal.com


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Increased law enforcement cooperation key to fighting online child abuse
LYON, France - The Virtual Global Taskforce (VGT), an international group of law enforcement agencies dedicated to fighting online child sexual abuse, released an assessment report which identifies the methods used by offenders to solicit their victims and avoid detection when sharing abuse material online, as well as challenges faced by law enforcement in combating these crimes.
The VGT Environmental Scan combines cutting-edge scientific research with the operational experiences of specialist law enforcement officers to examine the methods used by online child abusers to victimize children and young people, and the ways in which young people may be unwittingly making themselves more vulnerable to online abuse.
The report finds that offenders' compulsive Internet usage and online networks of abusers may fuel hands-on offending against children and young people. These same networks also use increasingly secure methods to distribute child abusive material, including previously unseen indecent images and videos of children. New material potentially means new abuse. Identifying and locating victims of ongoing abuse is the top priority of specialist officers in VGT agencies.
Also highlighted is an increase in the distribution of sexually explicit images and videos by young people themselves – sometimes known as 'sexting' – and the need to make young people aware of how this material may be circulated without their consent, and even used as a tool to blackmail them into sexual activity with an adult.
The VGT Environmental Scan was produced by the European Cybercrime Centre (EC3) at Europol, with the assistance of INTERPOL, other VGT police agencies and specialist law enforcement officers.
"As Internet technology further develops and previously under-connected parts of the world come online, we can expect to see new offenders, new victims, and new means of committing crimes against children," said Troels Oerting, Head of EC3.
"As long as criminals continue to use the Internet to victimize and abuse children, we in law enforcement must pool our resources and knowledge to uncover their strategies and methods, in order to prevent future abuse before it starts," said Michael Moran, Head of INTERPOL's Crimes Against Children unit.
"The VGT Environmental Scan is a landmark assessment for a landmark group of agencies," said VGT Chair Ian Quinn, head of the Cyber Crimes Center for U.S. Immigration and Customs Enforcement's (ICE) Homeland Security Investigations (HSI). "It enables law enforcement agencies, both inside and outside of VGT, not only to target offenders more effectively, but to deliver crime prevention measures that keep pace with the ways children and young people use technology in their daily lives."
The VGT aims to make the Internet a safer place, identify, locate and help children at risk and hold perpetrators appropriately to account.
For more information on the VGT and to read the VGT Environmental Scan, visit www.virtualglobaltaskforce.com


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How to care for the basic health needs of horses
Horse-health-problem risk factors, prevention, diagnosis, and treatment
Proper feeding practices for foals, adult horses, and older horses
Prevention, diagnosis, and treatment of leg lameness
Prevention and treatment for problems of the equine foot
Design and maintain a healthy horse operation
Horse breeding from planning through foal care
News and issues for equine health professionals
All aspects of caring for performance horses
Discussions about the welfare of our equine friends
The horse was removed from Barn 20 at Laurel Park and placed in isolation off the premises. Read More
Quick references of horse conditions, diseases & health topics
In-depth reports on many aspects of horse health care
Detailed summaries of conventions and seminars on horse health
Browse horses that are FREE to a good home.
Add your FREE horse to our list of adoptable horses.
Learn more about adoption, whether you're adopting a horse or giving a horse away.
Beautiful bay mare. Good companion horse. Former racehorse. Also broke to ride English. Easy to work with. Read More
Q&As about caring for your horse
Find upcoming horse health educational events
Look up the meaning of horse health terms
Articulos en Español (Articles in Spanish)
Healthy temperature, heart, & respiration rates
Estimate your horse's weight
Estimate your mare's foaling date
Users weigh in on horse health care
Recently launched horse health products
Find an AAEP veterinarian near you
The Horse's experts answer your questions during a monthly live audio event.
A weekly discussion on horse health topics.
Stay up-to-date on the latest new about your horse's health with FREE newsletters from TheHorse.com. Topics include Nutrition, Soundness & Lameness, Equine Behavior, Farm & Barn, Older Horse Care, and more.Sign Up
How veterinarians are helping the working equids of the developing world and their owners.
Copyright © 2018 The Horse Media Group LLC. All rights reserved. Reproduction in whole or in part in any form or medium without written permission of The Horse Media Group LLC is prohibited. THE HORSE, THE HORSE logo, THEHORSE.COM and THEHORSE.COM logo are trademarks of The Horse Media Group LLC.


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CBC FCU Creates $5 Million Sequester Relief Fund for Military
To help military personnel, veterans and contractors who stand to be impacted by the sequester budget cuts, CBC Federal Credit Union said it has established a $5 million relief fund.
The $400 million cooperative in Oxnard, Calif., said the budget cut relief program will be available once cuts have been officially announced.
Members will have access to 0% loans for up to two months of net pay, up to $10,000 per individual, through the end of calendar year 2014, according to CBC FCU. Allowances for delayed and partial loan payments are also part of the program, which is available to current and new members to supplement lost income.
"Sudden and unexpected loss of income is a shock to anyone," said Kelly Baker, CBC FCU vice president of business development. "But with our legacy of serving the Construction Battalion Center Port Hueneme, we feel duty compelled to focus on the burden the sequester places on those serving in the defense of our country."
The Construction Battalion Center Port Hueneme supports the training and mobilization for more than 2,600 active duty personnel. The battalion center also operates the Naval Base Ventura County-Port Hueneme installation.
While members who are Department of Defense personnel, DoD contractors and military veterans are eligible to use CBC FCU's budget cut relief program, Baker said the credit union also invites other members who need assistance.
Founded in 1952 to serve the Construction Battalion Center and the Navy Seabees in Port Hueneme, Calif., CBC FCU expanded its membership in 1999 to include Ventura County. The credit union now serves more than 20,000 members.


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Bose SoundLink Bluetooth Mobile II Portable Speaker - Wireless
This is the portable Bluetooth speaker that turns any Bluetooth smart phone, tablet, or laptop into a Bose sound system. Built with a proprietary driver configuration unique to wireless speakers of this size, this model wrings robust, full sound from streamed content. The speaker pairs with any Bluetooth-capable device from up to 30 feet away without wires or docking station and it remembers up to six sources, making it easy to move life's soundtrack between an office, kitchen, or backyard party. Thanks to an integral stand that converts to a protective leather cover, it travels safely in a backpack or briefcase. Includes an auxiliary input for connecting to MP3 devices or DVD players. Li-ion battery lasts up to eight hours on a full charge from the included AC power adapter. 5" H x 10" W x 2" L. (3 lbs.)
Lifetime Guarantee
The Bose Bluetooth Speaker comes with The Hammacher Schlemmer Lifetime Guarantee. If this product ever disappoints you, for any reason, you may return your Hammacher Schlemmer purchase for exchange, credit, or refund.
Should you have any questions, we are available seven days a week (8:00 am – midnight EST). Please call 1-800-321-1484 to speak with a specialist or email us at email@example.com to receive a response within three business hours or less.
May we recommend:
COPYRIGHT © 2018 HAMMACHER SCHLEMMER & COMPANY, INC. ALL RIGHTS RESERVED. W110147 E. 57th ST • NEW YORK, NY • 10022 • 1-800-_321-1484


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Mariano, Jeter make successful spring debuts
Closer strikes out two in perfect inning; captain singles as designated hitter
By Adam Berry / MLB.com
TAMPA, Fla. -- Derek Jeter and Mariano Rivera made their Spring Training debuts on Saturday, but the Yankees fell, 2-1, to the Braves at George M. Steinbrenner Field.
Coming back from offseason surgery on his left ankle, Jeter went 1-for-2 with a sharp single to left field as the Yankees' designated hitter. Rivera, who announced his decision to retire after the 2013 season Saturday morning, tossed a perfect fifth inning in which he struck out Juan Francisco and Chris Johnson, both looking.
The Braves scored their first run in the seventh inning, when Tyler Pastornicky tripled to left-center field and scored on Dan Uggla's two-out single to center off Francisco Rondon. They added an insurance run in the ninth on Jordan Parraz's sacrifice fly.
Left-hander Mike Minor got the start for the Braves, spinning four shutout innings during which he allowed only three hits and two walks. The first hit came on Minor's first pitch of the game, a leadoff single by Jeter in his first plate appearance since Game 1 of the 2012 American League Championship Series.
"It was right down the middle," Jeter said. "He must've felt sorry for me."
The Yankees, meanwhile, started right-hander Jose Ramirez, ranked by MLB.com as the club's No. 13 prospect. Ramirez gave up just one hit and struck out four in four innings. Ramirez was followed by Rivera, who induced a pop fly to second base from Uggla, then fanned Francisco and Johnson to wrap up a 15-pitch inning.
"It was good to be back on the mound. I won't take it for granted," Rivera said. "It's been almost a year that I haven't been on the mound in a real game, so it felt real good, pushing off the leg good. I wasn't holding anything [back]."
Up next: The Yankees will travel to Dunedin on Sunday to play the Blue Jays at Florida Auto Exchange Stadium at 1:05 p.m. ET. Right-hander David Phelps (1-1, 1.00 ERA) will make his fourth start of the spring against Toronto lefty J.A. Happ (1-0, 3.00 ERA). Among the notable names making that trip are outfielders Brett Gardner, Matt Diaz and Juan Rivera, infielders Kevin Youkilis, Dan Johnson and Jayson Nix and catchers Francisco Cervelli and Austin Romine.
Adam Berry is a reporter for MLB.com. Follow him on Twitter at @adamdberry. This story was not subject to the approval of Major League Baseball or its clubs.


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Ontario-based Research in Motion, Ltd. (TSE:RIM) circa 2006-2007 appeared
unstoppable. The company was beloved by businesses worldwide and was growing fast in market share and
sales. Even Democratic Presidential hopeful Sen. Barrack Obama was deeply attached to his
BlackBerry smartphone.
I. Should RIM Sell Itself?
Fast-forward five years and that vibrant company is an increasingly distant
memory. In its place is a company with a slow pace of releases, dated
hardware (the Blackberry 9860, to launch in October,
will be BlackBerry's first and only smartphone this fall to compete with Apple,
Inc.'s (AAPL) iPhone and Google Inc.'s (GOOG) Android hardware-wise). Unsurprisingly sales growth has slumped both in the U.S. and
abroad. Correspondingly, the company's stock has taken a beating at the
Toronto Stock Exchange.
Investors, desperate to see a turnaround, have implored RIM to explore a pair
of options.
The latest effort suggests that RIM sell its rich catalog of intellectual
property -- or perhaps sell its entire business to the highest bidder.
Investors salivated at Google's recent purchase of
Motorola Mobility, which brought a handsome return for shareholders. A RIM
sale would help investors recoup their losses and perhaps even profit.
Google and others are thought to be potential buyers.
The proposal is being spearheaded by Jaguar Financial Corp. (TSE:JFC). JFC refuses to
reveal the size of its stake in RIM, but it says it represents a coalition of
various shareholders who together hold a bit under 5 percent of the company's
stock (RIM has a market cap of $16.45B USD at present, so this works out to
roughly $822M USD in stock).
II. Second Proposal Suggests Shakeup in Top Executive Positions
JFC CEO Vic Alboini also expressed dismay at the company's lackluster response
to a second independent proposal.
The Northwest & Ethical Investments LP in June said that RIM's Jim
Balsillie and Mike Lazaridis's decision to split Chairman and CEO duties was
adversely affecting the company. They suggested the company assign one
executive to each post.
RIM agreed to examine the proposal, but said they probably wouldn't get around
to announcing their thoughts until January 2012. Mr. Alboini called that
slow response "woefully inadequate" and "an extreme example
that management has not let go."
III. If QNX Bid Fails Will RIM Become Nortel 2.0?
Mr. Alboini is also pessimistic about RIM's last-ditch turnaround effort with
its new QNX operating system. The new operating system, which debuted on
the company's PlayBook tablet, is scheduled to roll out to the company's
smartphones next year, replacing the veteran BlackBerry operating system.
Thus far, however, QNX has drawn mixed reviews, with many saying the best
thing about it is the ability to play (some) Android apps on it. However,
many fear that Google may close that route as more RIM devices adopt QNX.
While Mr. Alboini admits that it could have a positive impact, he says the cost
of failure is to great to gamble by counting on such a success. He
remarks in a Bloomberg interview, "The board should be
saying, 'What if these products don't pan out?' You don't want RIM to turn into
another Nortel."
Nortel Networks, like RIM, used to be a highly prized Canadian mobile services
firm. But stagnation bred an eventual
bankruptcy and fire sale of the
company's intellectual property in a bid by shareholders to recoup part of
their losses.
Mr. Alboini fears RIM could eventually meet a similar fate and says the time to
act is now. And he's not alone. In a highly publicized letter, a
departing executive lashed out at the
company's leadership for failing to respond to the changing market. He
remarked, "I have lost confidence. While I hide it at work, my passion has
been sapped. I know I am not alone..."
RIM categorically rejected the criticism, insisting it was doing just fine.