text:
CUs Untaxed in Most of the World
Most Canadian credit union executives can't remember a time when they didn't have to pay a nominal tax on income. But in the near future, the 40-year-old credit union tax, like most taxes, is scheduled to increase.
The current combined federal/provincial income tax, which mirrors Canada's small business deduction and includes an additional deduction for other earnings not covered under small business, varies from 11% to 15% based on the province in which the credit union operates.
Those rates are scheduled to increase by 4% according to provisions in Canada's 2013 federal budget, passed on June 26, which calls for a five-year phase-out of what had been considered a preferential tax rate.
Backers of Canada's credit union tax, including several Canadian credit union executives who spoke recently at the CU Water Cooler Symposium in Nashville, Tenn., claim it gives financial cooperatives more influence over government decisions.
Others disagree, and Credit Union Central of Canada, the country's trade association, believes it will have a hard time reversing the new law, according to the World Council of Credit Unions' Michael Edwards.
"Supporters say it gives their credit unions a seat at the table, but that's not true," said Edwards, the Madison, Wis.-based international trade group's chief counsel and advocacy and governmental affairs vice president. "The new tax will be another headwind for small credit unions."
Despite the attention, Canada remains part of the minority of credit union systems that pay taxes on income. According to the recently issued 2012 Taxation Report, a member benefit produced by World Council, 70% of the 101 countries responding to a World Council survey reported paying no taxes on income.
Only 30% of credit union systems are fully or partially taxed, with rates ranging from a low of 10% to as much as 40% paid on non-cooperative transaction earnings like fees or commissions in Brazil.
Many of the taxed credit unions tend to be found among smaller systems and in developing countries. In addition to Canada, the other larger systems being taxed include Poland and Australia, the later of which has suffered from years of paying a 30% tax on net income as well as other taxes, Edwards said.
"Australia is working from a unified rule book that sees no difference between credit unions and banks, and many of the larger credit unions now refer to themselves as banks," Edwards said. "Supporters call it a level playing field, but the taxation burden seems to be hurting small credit unions."
Most taxed credit unions treat tax payments as they would other operating expenses, meaning that one way or another the cost is passed on to members in terms of reduced services or higher rates on loans.
Some smaller credit unions in developing countries have to post a negative a return on assets because the tax rates are so burdensome, Edwards said.
No matter what a country's rationale may be, the idea of taxing credit unions at all is not a good one, especially in the U.S., Edwards stressed.
"The game plan for the bankers is get rid of the credit union tax exemption and not give them any more powers," Edwards said. "What happened to the savings and loan industry is what would happen to credit unions. Without the corresponding broad investment powers of for-profit institutions, we would get crushed."


text:
Location: Corn Insects and Crop Genetics ResearchTitle: Genomic heterogeneity and structural variation in soybean near-isogenic lines Author
|Stec, Adrian
|Bhaskar, Pudota
|Bolon, Yung-tsi
|Nolan, Rebecca
|Shoemaker, Randy
|Vance, Carroll
|Stupar, Robert
Submitted to: Frontiers in Plant Science
Publication Type: Peer Reviewed Journal
Publication Acceptance Date: 4/4/2013
Publication Date: 4/24/2013
Citation: Stec, A., Bhaskar, P., Bolon, Y., Nolan, R., Shoemaker, R.C., Vance, C.P., Stupar, R. 2013. Genomic heterogeneity and structural variation in soybean near-isogenic lines. Frontiers in Plant Science. 4:104. Interpretive Summary: Important soybean biological resources are the many pairs of genetic lines that differ predominantly in a region of a chromosome containing a gene for a specific trait. Some of these paired lines have been instrumental in uncovering the gene responsible for the trait. Unfortunately other chromosomal regions are also different between the lines, and these may or may not play a role in the expression of the trait. In this manuscript the authors compared the chromosome structure between two pairs of lines; one for iron efficiency and one for seed protein content. They used an array of single base mutations that cover the entire soybean genome to identify the location of differences between the chromosomes of the pairs. They were surprised to find that within genetic lines of the pairs, there are sub-lines indicating that there is more variation in the lines than once thought. However, they also found that the variation in the sub-lines did not cause determinable changes in the expression of the trait. These findings are important for geneticists who are attempting to identify causative genes for a trait using paired genetic lines. They will need to be very cautious to ensure they are searching in the correct chromosomal region.
Technical Abstract: Near-isogenic lines (NILs) are a critical genetic resource for the soybean research community. The ability to identify and characterize the genes driving the phenotypic differences between NILs is limited by the degree to which differential genetic introgressions can be resolved. Furthermore, the genetic heterogeneity extant among NIL sub-lines is an unaddressed research topic that might have implications for how genomic and phenotypic data from NILs are utilized. In this study, a recently developed high-resolution comparative genomic hybridization (CGH) platform was used to investigate the structure and diversity of genetic introgressions in two classical soybean NIL populations, respectively varying in protein content and iron deficiency chlorosis (IDC) susceptibility. There were three objectives: assess the capacity for CGH to resolve genomic introgressions, identify introgressions that are heterogeneous among NIL sub-lines, and associate heterogeneous introgressions with susceptibility to IDC. Using the CGH approach, introgression boundaries were refined and previously unknown introgressions were revealed. Furthermore, heterogeneous introgressions were identified within seven sub-lines of the IDC NIL 'IsoClark'. This included three distinct introgression haplotypes linked to the major iron susceptible locus on chromosome 03. A phenotypic assessment of the seven sub-lines did not reveal any differences in IDC susceptibility, indicating that the genetic heterogeneity among the lines does not have a significant impact on the primary NIL phenotype.

subset: commoncrawl


text: We only got to spend few hours on the tool on to top it off the mask Karlsuss has to check front to back alignment Broke by the KS fse. We did test the focus for BSA and found that we can focus it. the top side focus on the right side drifted on 10X . No time to work on that. On the issue of the samples are moved after they are contacted , they checked Nitrogen flow, nitrogen presser and WEC presser some got adjusted some left as it was per my request. Please report any issues with the system on Coral and let us know of any issues.


text:
Submit News
Windows 8 Looks to Ditch the "Zombie" Security Restarts of Windows 7
Jason Mick
November 15, 2011 4:38 PM
Recipient E-mail
Sender E-mail
Windows 8's Automatic Update will now always give you time to save and won't interrupt your gaming/movies
It's 3 a.m.; do you know what your PC is doing? Well, if it's a Windows 7 machine, it may be in the process of automatically restarting. Microsoft pushes out security updates the second Tuesday of each month, but other critical updates can land at off times. For those who forgot to save their work the evening before, they are often in for the rude surprise.
I. Windows Update Automatic Mode -- Boon to Security, Bane to an Unlucky Few
the latest
Building Windows
blog, Microsoft Corp. (
) engineer Farzana Rahman, writing with Windows Division President Steven Sinofsky, explains how Microsoft hopes to eliminate this problem in the upcoming Windows 8 release.
Automatic updates are a very important thing as they allow Microsoft to deliver important trusted content like security patches that a user might never go out and install on their own. With over a billion Windows PCs in the wild, Microsoft is under an immense amount of security risk, risk that is mitigated by the Automatic Update program.
Ms. Rahman shares 89.3 percent of Windows users opt to use automatic update. She comments, "That's 90% of the total user base telling us to automatically install updates without showing any notifications, or asking for confirmation."
That might not be entirely accurate -- a lot of users simply don't understand what exactly auto update is and what the ramifications of turning it on and off are. But the important message is that a lot of people have Automatic Update turned on -- whether or not they know it.
The benefit is seen in Microsoft's metrics for one important update, which showed -- despite internet connection variability -- 85 percent of users downloading and installing the update within three days. A three-day turnaround means that Microsoft can quickly target malware threats and be guaranteed that its actions will take effect across a large amount of its installs.
Install rate v. days for a critical patch. [Image Source: Microsoft]
Interestingly, Microsoft indicates that while 31 percent of updates in computers with Windows Automatic Update turned on are installed interactively, the majority of users instead rely on shutdowns.
Microsoft says the "best case" scenario occurs in the 39 percent of updates that install alongside user shutdowns. Microsoft has tried to squeeze its updates in this Windows. Ms. Rahman writes, "This is the least disruptive experience for users, and so we do want to "hitch a ride" whenever we can on user-initiated shutdowns instead of inconveniencing users with a separate restart."
II. Toning Down the Auto Reboots
However, 30 percent find their computers being restarted by Windows Update. This is where most the "problem updates" in terms of user disruption lie. Users who didn't expect the overnight shutdown are often distraught to find their work has been lost in apps that don't auto-save.
To remedy this Microsoft is making some important changes to Windows Update Automatic (WU Auto) with Windows 8.
Time to Save Your Work
WU Auto will now only restart your locked machine after you log in, preventing restarts on locked machines overnight
WU Auto will now give you a big message on login informing you that you have 15 minutes to save your work.
If programs are running (active use) and you're logged in when the restart order rolls in, you will be given the same message.
No Interruption to Media
If you're:
In presentation mode
Watching a fullscreen movie
Playing a game
Your machine won't attempt the restart until you're done.
An important issue not really explained here is whether third-party movie players (in fullscreen mode) are supported, and similarly whether third-party slide presentation software (like Open Office Impress) will be caught by this check.
Less Updates and New Login Warnings
The auto restart is now changed to once a month, barring critical security updates. Important stability updates and their ilk will no longer force restarts at other times of the month.
The update day, as always is the second Tuesday of the month and the time is 3 a.m. in the user's selected time zone.
For users with WU Auto enabled, you'll now be informed by a message at the bottom right corner of the login screen how many days remain until the big shutdown and restart day.
These users will see a message that reads "Your PC will restart in [X] days to finish installing security updates."
For users with WU Auto disabled, you'll get similar messages, instead informing you about whether you need to download or install important updates. For these users -- who represent roughly 5.82 percent of the total Windows 7 install base, a message "Important updates are ready to be installed." will display.
Clicking the power button beneath the message for either WU Auto on or off, allows the user to manually choose "Update and shut down" or "Update and restart".
Lastly IT administrators who disable WU Auto for their enterprise users, will now have their users presented with a "Your PC needs to restart to finish installing security updates." message on the login screen. The users are offered equivalent options to the home users via a power button.
In Win. 7's implementation of Windows Update, you can actually turn off automatic restarts by:
Clicking the Windows button
Typing "regedit" in the search bar
Navigating to "HKEY_LOCAL_MACHINE\SOFTWARE\Policies\Microsoft\Windows\WindowsUpdate\AU"
Right clicking
Selecting to creat a new 32-bit DWORD value named "NoAutoRebootWithLoggedOnUsers"
Set the new variable to 1.
However, Windows Update's automatic restarts are a natural and (relatively) healthy process that prevents user procrastination from crippling the security of the Windows platform. With its changes, Microsoft appears to be on the right track to making WU's "Automatic" less destructive when it comes to forced restarts.
To the end user that means less headaches and more peace of mind.
III. What About the Third Parties?
Ms. Rahman also tossed in an interesting note in the conclusion, stating that some customers have expressed interest in programs (e.g. games, etc.) having the chance to send users patches via Windows Update. She comments that this isn't feasible because of the risk of sacrificing the trust of WU if a destructive update (be it unintentional or intentional) slipped through.
She writes:
[U]sers have also told us that they trust the quality of updates distributed by WU and hence are comfortable with choosing to automatically update their systems. We would not want to do anything that might reduce trust in the system by encouraging people to take on this management task manually and exposing their PCs to potential vulnerabilities for even short times.
Through WU and the "Microsoft Update" option (opt-in) we also offer updates for Microsoft products and for 3rd-party device drivers, with a common set of setup tools for each. All of these updates are carefully screened, and must adhere to the Windows conventions for updates regarding rollback and recovery, and overall system impact.
This seems like a smart line of thinking. Some updates -- like
a recent AntiVir Guard update
-- have had unintended destructive effects on Windows machines. The last thing Microsoft needs -- given the already precarious position of being the world's biggest OS maker and hence the world's biggest target -- is to be blamed for the issues caused by negligent third-parties, which would be the likely scenario if Windows Update delivered the offending patch.
On the other hand, she points out that Microsoft's upcoming Windows Store -- which will deliver Metro styled apps in Windows 8, similar to App Store in OS X -- will offer developers that ability to send out automatic updates. The key here, appears to be that Microsoft is happy to provide developers with a sound update framework; they just want to keep it separated from the base operating system updates for reputation and trust purposes.
Windows 8
pops up in 2012
and will be the first Windows operating system refined for multi-touch tablets. Thus far
the beta program
has been a big success, like its Windows 7 predecessor.
"It looks like the iPhone 4 might be their Vista, and I'm okay with that." -- Microsoft COO Kevin Turner
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December 3, 2010, 10:28 AM
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text:
Craig Biggio was sure of where he was going when he chose baseball. Nineteen seasons with the Houston Astros later, his decision has long since been proven right.
But Biggio was a bit more cautious when he sought a path to help others once he was lucky enough to make it to the Majors in 1988.
"I wasn't sure," said the still-plucky second baseman, whose helmet is always the filthiest in the game. "When you're a younger player, you don't want to jump into it. The older players say don't jump into a charity, wait, take a little time and then obviously if something comes about that you have a belief in and feel strongly about, go ahead and do it."
Once that calling came, Biggio became one of the biggest backers of The Sunshine Kids, a support group for children with cancer and their families. He had a personal motivation to do so.
"I got introduced to cancer at a young age," Biggio said. "A good friend of mine lost her son at age 10. I was probably 14 at the time. It was rough. I understood, but saw how difficult it was for them."
The departure of the Astros' chief Sunshine Kids backer opened the door for Biggio.
"When Larry Andersen left -- he had brought those Sunshine Kids out, which are cancer survivors -- I didn't want to see it go away," Biggio said. "I jumped in, and it's been a great story ever since."
Biggio began a golf tournament to benefit The Sunshine Kids. Now in its 14th year, the tourney has raised $2.1 million.
"I never thought in my wildest dreams I'd raise $100,000, let alone $2.1 million," Biggio said. "We're doing pretty good. People in Houston backed me and support me, and I'm very grateful for that.
"I've been there almost 20 years, and it's something the community understands. They understand I'm not going to put my name to anything and if I do, I have a belief in it. It's one of the biggest fund-raisers the city has, and I'm very grateful for their support."
Astros owner Drayton McLane, who has a special, two-way loyalty to Biggio, has helped with another facet of The Sunshine Kids, turning Minute Maid Park over to Biggio and Co.
"My wife [Patty] and I bring about 100 kids and their families out to the park," Biggio said. "I pitch to every one of them, let them run around the field, feed them, sign autographs and give them a goodie bag on the way out. It's the day I love the most. It's the most fun.
"Can you imagine being a little kid growing up and being able to run around on a big-league field? It's something Drayton and I have been able to work out, to give me the stadium for three hours one day a year. To see the smiles on their faces, it's unbelievable."
Biggio's cancer fight covers almost all of Houston medical centers. Everyone knows him in town, and he'd like to know as many people as possible in return.
"I'm not partial to anyone," he said of the Houston-area hospitals. "I know a lot of doctors working in all sorts of buildings and wings."
Visiting sick kids can be nearly traumatic for some athletes. Biggio recognizes that and is glad he has the fortitude to put aside his own emotions to brighten up the days of seriously ill children.
"It's not easy to do," he said. "Everyone's different. If guys are not comfortable doing it, I don't blame them. It's not an easy thing to do. Some guys are really good at it. It's a trait that's very hard to do. I'm proud to be in a fraternity [of pro athletes] with all the charitable stuff we do."
This story was not subject to the approval of Major League Baseball or its clubs.


text:
Discussion in 'Science and Technology' started by RAMA, Dec 11, 2012.
You get paid to post all these link threads, don't you?
Because an author using his own website to pitch a book that he wrote himself is totally relevant to science and technology.
Spam post is spam.
Rama, nevermind the trolls.
TrekBBS seems to attract, paradoxically enough, a gang of anti-technological misanthropes.
It's sad, but the West has been overtaken by pessimism. This is not merely an effect, but a major cause of the economic slowdown of Europe and North America recent years, even prior to the great recession.
Well, I wouldn't say anti-tech. But I agree the pessimistic attitude is paradoxical for a ST board.
There are those who view RAMA's POV as a flight of fancy. You know what? Maybe. But I happen to like RAMA's POV and his willingness to dream big as opposed to the conceit held by some that conservative pessimist is the only appropriate position.
If there is a thread I don't wish to partake in, I don't post in it. Pretty f-ing simple.
Oh I love technology and avidly read about future developments. I just happen to recognize the difference between technological advancement and the self delusion that the world is going to change to the point of being totally unrecognizable in the next 50 years, giving rise to computer AI that if asked "is there a god?", would merely reply "present".
Added to the fact that Rama spends a bit too much time believing every thing he sees and then running here to post "because -exponential! Singularity! Kurziweil says it will come true!" every time he finds some lame site like the one in the OP, yes. it gets tiring to hear it all the time.
One more thing, got any proof that A)"the west has been overtaken by pessimism" and B) it is the "major cause" of the current economic downturn?
Stop that.
And that.
And that, too. (Don't call people trolls. You will get an infraction for it next time.)
RAMA's problem is not that he "dreams big." There is nothing wrong with that. Speculating about the future is interesting, engaging, and fun. Where I take issue with it is when certain potential future advancements are touted as being "inevitable" or "just around the corner," or when current technological discoveries are played up into being more than they are.
For my money, I'm tired of hearing we're "on the verge" of one thing or another. We're always "on the verge" of a lot of things, apparently, very few of which actually pan out.
I like keeping an eye on nascent technologies, but I also try to view them realistically, knowing that most of what looks promising right now is going to turn out to be impractical, ineffective, or even a total fraud. There's nothing wrong with skepticism. In fact, people who appreciate science as a discipline are obligated to be skeptical. Extraordinary claims require extraordinary proof.
Besides, all it means is being on the verge of downloading all the available porn on the Internet into your mind. That idea alone should frighten people without even considering all the useless blogs that can start live streaming through your dreams. Besides, it's not like many of us don't already spend enough time here, imagine having Robert Maxwell critiquing your day?
^ In the middle of an argument with your really annoying co-worker, you suddenly get a message in your brain from your supervisor saying "Infraction for trolling. Comments to PM. Now get your asses back to work!"
This is a science and technology forum... flying cars, bullet trains, 50s retro scifi are boring, these posts are genuinely mind expanding, with real and potential technologies/discoveries that should fire your imagination, instead, you're probably interested in Doctor Who, cosplay, and Space Patrol. That's not the future, so deal with it.
I find it ironic and amusing that sites like this has such a regression and anti-thinking-out-of-the-box predilection. I didn't think it would be possible 20 years ago, but while disappointing I suppose it doesn't surprise me anymore, like most people sci fi fans tend to like what's comfortable, which is why nostalgia is so powerful. Nothing wrong with nostalgia of course, only that it keeps people thinking backwards instead of forwards if delved in too deeply (like TOS "purists).
Here we are on the eve of incredible advancements, ones that can even help absolve us of our technological mistakes and human misery, and we are fighting it tooth and nail.
Most telling..I read an article a few days ago that suggests those who work in these technologies: AI, software, robotics, biotech are often the most pessimistic, and it's because their work has to be approached on this basis..hence their often negative reaction in media to the claims made for future AI, Singularity, etc. and sometimes there are roadblocks, but overall, the curve still turns upwards. You won't hear them tout those successes unless they are visionaries! In their eyes, there is the inexorable, never-ending task of development, deadlines, and progress. It's hard to be really satisfied when progress is never-ending.
No one's fighting anything, you're just upset that people aren't lapping up the Kurzweil Kool-Aid.
I'm a huge fan of technology and what it can and will do for us in the future. I just don't presume to think that any one person knows what the future will look like. That is what I consider "boxed-in": the belief that the future will look any certain way that we can predict right now. The fact is, we are notoriously bad at predicting the future, because technology isn't driven by any one factor. It's not driven just by what a bunch of eggheads imagine, nor what a megacorp's bean counters think will sell. It's a confluence of many factors that are difficult to track, measure, and predict.
I prefer to keep my options open.
I'm not upset at all. I'm trying to tell you the paradigm has changed, while no one is a prophet, we have systems available to predict the future with greater accuracy than ever before. Therefore we have the ability to affect more than ever...it's reinforcing...see how that works?
What I meant by fighting tooth and nail is the fact that humans are short-sighted...we pine for the past, eras which were supposed golden ages, when the very best we ever were is right now...even with all our imperfections. People want to bury their heads in the sand, they want to ignore technological change(how often have you heard people who use smartphone say they hate technology, or even see people choosing old phones over new ones)..it appears natural human instinct to do so as the information age expands, nostalgia flourishes(in the USA slightly less than in most countries, which to me is the only REAL world reason America is a superpower and so cool to be in)....here is where it gets good...we don't have to be that way...trans-humanism can mean expanding our human "RAM" and storage, as smartphoes, laptops, google etc are already doing to a degree. Sharing ideas, knowledge in real-time from our minds to a network can change human perception, change our provincialism as a species, mitigate tribal or political bias. It can change our perception of time to something more akin with reality. If you consider this boxed in, I feel sorry for you.
That is all.
Sorry, but having a smartphone in your pocket is absolutely nowhere near being a cyborg. That's the kind of talk that makes you lose people, when you jump from current technology straight to fantasy. You also fail to acknowledge that just because something is possible, it doesn't mean everyone's going to want to do it.
Do you really think most people will be okay with cybernetically modifying their bodies, having all sorts of implants, enhancements, etc.? What about the legal ramifications? What impact will this have on education, sports, and human health in general? Instead, the talk is all about how cool it would be if we could do all this, and that we'll soon have the ability. Maybe we will, maybe we won't, but it's foolish to believe that once it is possible and practical, everyone will do it "just because."
Wow...the fact that portable computing devices increase the depth of knowledge and in effect enhances human faculties is by far NOT the most contentious issue I raise. Far from making me lose people, it's already an established fact...portable computers are a transformative technology, with both extenuating and direct impact on economics, knowledge, and information gathering. This has been discussed for decades.
I would read this entire pdf:
The idea that these enhancements can be tied directly into the brain and used networked in real time is more controversial. Smartphones don't make us cyborgs, but they can lead to a technology that will.
Well I have explained WHY we'd want to be cyborgs and more before haven't I? Not least if which is this:
Where did I say anything disparaging about portable computing devices, or call them "contentious"? Where did you even get that??
I know this wasn't directed at me, but I spent such a long time researching this subject I can't help but comment:
Certain people ALREADY use implants regularly for cosmetic purposes, as well as certain medical implants (glasses, pacemakers, contact lenses, etc) which have discrete utilities. It's not hard to imagine that new functionality built into existing non-functional implants (earrings, for example) could enable a sort of bottom-up cybernetic revolution; bluetooth-enabled earrings become more common, "smart glasses" with HUD and GUI displays, etc. There's also likely to be a subculture among adopters of this technology that is really "in to" that sort of thing way more than everyone else.
As with a lot of things, it won't exactly transform the fundamental nature of human existence (except on a purely philosophical level) but for those who adopt this technology -- especially more advanced forms of it like brain-computer interfaces -- it WILL begin to blur the lines between man and machine.
All that stuff is a pretty far cry from (as you mentioned) brain implants that increase mental capacity/power/storage. I think there would be substantial societal, regulatory, and ethical hurdles to get over before something like that even approaches being a routine occurrence.
I think most of the development will be where it is now: in repairing/replacing existing physiological functions that are defective in some way. Think giving blind people new cybernetic eyes that work roughly as well as natural ones.
I think it moves into totally different territory once you talk about actually enhancing people's natural capabilities with implanted technological devices. It upends a lot of what we take for granted. For instance, say we start implanting people with flash drives of a large capacity. What do you then do about taking exams or other tests of knowledge? Does having the requisite information in a solid-state brain implant still count as "knowledge" or "expertise"? I find those implications a lot more interesting (and ultimately problematic) than what will be technically possible.
And yet, it's a pretty enormous leap from "smartphone in your pocket" to "microprocessor in your brain," especially since not everyone in the western world even USES smartphones.
More importantly, smartphones can be as much a benefit as they are a distraction; along with turn-by-turn navigation and 4G internet, you also get twitter and facebook updates. You gain the ability to teleconference with your coworkers via facetime or skype, but you also run the risk of being run over by someone who starts reading a text message in the middle of a u-turn. You can store all your contact information and all of your appointments and reminders, and you can also store a gigabyte of porn to pass the time between them.
You're too focused on the technology, Rama. You never seem to take PEOPLE into account.
Correction: they lead to a technology that COULD.
You've explained why SOMEONE might want to be a cyborg, sure. But that's an assumption that is entirely divorced from the way real people make value judgements, especially on things relating to body modification and medical procedures.
Separate names with a comma.


text:
Lodner and Hohe Weiße
|[ Sizes: Orig | Large | Med | Small | Thumb ]
The Hohe Weiße (3278m) is the peak left of center. In the center, the flat light grey summit further back is the Lodner (3228m). Just in the picture on the left is the Grafspitze (3147m).
Seen from the southern normal route up to the Hochwilde.
The coordinates are those of the Lodner.
10 July 2008.
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Hochwilde (Hohe Wilde) / l'Altissima (Mountain/Rock)
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Texel Group / Gruppo di Tessa (Area/Range)
Hohe Weiße / Cima Bianca Grande (Mountain/Rock)
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Image ID: 701164
Hits: 2836
Lat/Lon: 46.73400°N / 11.04000°E
Object Title: Lodner and Hohe Weiße
Image Type(s): Hiking


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J&P Part: 130-065
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Closure Type: Velcro
Exact Rating: 4.500000
Gender: Men's, Women's
Mask Design: Skull
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Seasonal Wear: All Weather
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Gets the looks on the highway [that] I was looking for.
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gentle to your face but durable material, glitters awesome! great choice
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Your point is valid but I think Cro remembers a longer one.
33 yards. That's pathetic.
He's had 584 career carries and has never broken a 40 yard run. He has 2 career 30 yard runs: 33 and 31 yards.
Do you know who his comparables are?
Isaac Redman and BenJarvus Green-Ellis. Even fatass Mike Tolbert has 40 yard runs and 60 yard receptions. Greene's long reception is 36 yards, the only reception of his career that went for more than 15 yards. I'd guess that's why we don't throw screens, by the way.
How is a running team starting a running back with ZERO big play ability. You can't tell me that the blocking hasn't given him a chance to break a single 50 yarder in 3 years. He has a combination of bad vision and not being able to make people miss.
Greene's a fine complementary back, but that's it. He shouldn't have more than 10 carries per game or so, and they should come late in the game when we have a lead. Redman had 110 carries last year. That's what Greene should be for us. I don't think Mendenhall is anything special, but where's our Mendenhall. He at least has the requisite skill set to be a lead back.
Your point is valid but I think Cro remembers a longer one.
I agree, Greene is not good enough for a team that wants to run it as much as the jets do.
The play were he choose to go head first into a guy and injure himself instead of a simple side step to pick up the first is his whole career in a nut shell.
No vision, moves, or field awareness.
Guy is absolutely terrible as a #1 rb.
Becoming painfully obvious where we should have gone/must go in FA or the draft. Greene is a terrific #2 back, not a #1. We are devoid of a #1 RB. And a #1 WR for that matter.
He is a good change-of-pace back, he's not a #1. To tell you the truth I would start Powell over him, I think he has more play-making ability and is better in pass-protection. Did you see Greene totally whiff on Timmons? Guy is lost.
Agreed. Powell runs hungrier and is a better pass blocker. Besides Greene got his bell rung vs Pitt. Would like to see what Powell has to offer as a starter
we have all forgotten about Joe McKnight as has the CS apparently.
Greene has 10 carries of 20 yards or more in his career. Thats it.
I know he isnt MJD or anything but, MJD had 1,600 yards running behind the Jacksonville line last year. I know people want to use the line as an excuse but it isnt all on the line.
People also want to hang their hat on the fact that Greene ran for 1,000 yards last season, but so did LeGarret Blount, is he a #1, game changing RB in the NFL??
Worse than his lack of explosiveness, Greene has a tendency to fumble, which is an even bigger issue for me.
I don't fault Rex and the head office for much, but the lack of productive running back depth - something we'll need to draw on as soon as next season - is bad planning.
I guess part of the thinking is that there are always vet retreads out there. I am interested to see how the Jets plan to handle this situation.
Cedric Benson was out there for months, could have had him for cheap $


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Read the full story here Web Link posted Wednesday, July 11, 2012, 10:19 AM
Town Square
Menlo Park: figuring out how to add housing
Original post made on Jul 11, 2012
Read the full story here Web Link posted Wednesday, July 11, 2012, 10:19 AM
Comments (16)
a resident of Menlo Park: Central Menlo Park
on Jul 11, 2012 at 12:17 pm
No, no, no! The streets are already overcrowded. El Camino is in gridlock most of the day. Someone should challenge the legality of requiring any town to add housing units beyond its capacity to provide services for the residences already in place.
Low income housing is absurd. Is it Hillsborough or Woodside's problem that I'd like to live there & can't afford it? Maybe I'd like to put my 3 kids into their schools & have my home purchased subsidized? Aren't we supposed to live within our means & buy housing we can afford without a handout from the neighbors, town, developer?
Menlo Park is all over this because the City wants to collect the developer fees.
A major attraction of our community has always been the lower density and small town feeling we have. Now that's to be ruined & nobody has sued yet.
Show me the below-market housing in Woodside, Los Altos Hills, Saratoga, Hillsborough, Ross, Atherton, or Tiburon.
a resident of Portola Valley: Ladera
on Jul 11, 2012 at 12:28 pm
Thank you downtowner. I too, would like to see more coverage around how those cities comply with the law. I would also like to see more history on the law and a "check-in" on how communities are doing in general. This topic is very timely as Portola Valley is going through a similar exercise. Perhaps an in-depth assignment for an Almanac journalist?
a resident of Menlo Park: Downtown
on Jul 11, 2012 at 12:53 pm
Enough! We don't need to increase housing. Instead of the council committee looking for ways to comply maybe it should channel its effort to modifying the law.
The roads are congested, the schools are at capacity, etc., etc.
a resident of Menlo Park: Downtown
on Jul 11, 2012 at 1:53 pm
With the facebook expansion and now the new housing, Menlo Park roads will be clogged even more than they already are. As it is, I avoid El Camino Real like a plague when it SHOULD be the goto road to get from one end of the city to the other.
If they really add all that housing, they better make El Camino 3 lanes all through downtown, and expand Middlefield, Santa Cruz, and WIllow to be 2 lanes both directions, the entire length.
But of course, the city councils eyes are filled with developers fees and not the fact that the infrastructure is at capacity all across the board.
a resident of Menlo Park: Downtown
on Jul 11, 2012 at 1:57 pm
Is this something Menlo Park could consider?
Land Trust: a non-profit that purchases/renovates housing and sells only the units at a reduced, affordable price while retaining ownership of the land.
"As more people struggle with housing throughout the country, the number of land trusts is exploding...Once we start putting public money into housing for low-income individuals, the land trust comes up as a way to protect that investment," says Rick Jacobus, Oakland-based land trust consultant/advisor.
San Francisco, Berkeley, Vallejo, and Sonoma and Marin counties have land trusts.
Here's an example of how San Francisco's Land Trust has helped:
Web Link
a resident of Menlo Park: Downtown
on Jul 11, 2012 at 2:43 pm
Here's one way Vienna, Austria approached affordable housing: Web Link
a resident of Menlo Park: other
on Jul 11, 2012 at 3:54 pm
State law recognizes the vital role local governments play in the supply and affordability of housing. Each governing body (City Council or Board of Supervisors) of a local government in California is required to adopt a comprehensive, long-term general plan for the physical development of the city, city and county, or county. The housing element is one of the seven mandated elements of the local general plan. Housing element law, enacted in 1969, mandates that local governments adequately plan to meet the existing and projected housing needs of all economic segments of the community. Web Link
a resident of Menlo Park: Downtown
on Jul 11, 2012 at 6:59 pm
"Housing element law, enacted in 1969,".....really 1969?!
Do you think it's time we revisit the law. Maybe,just maybe, a few things have changed since then.
a resident of Menlo Park: Downtown
on Jul 12, 2012 at 7:33 am
simple. just plan for a 100 story highrise right on caltrain.
(this will take 5 years to plan, and a year or 2 to build and get poor people in)
in 5 years, HSR will have to aquire and tear down for the choo choo train.
(poor people moved out on CA dime - probably to the central valley where the new development will be due to the choo choo train)
problem solved for the next 20 years!
a resident of Menlo Park: Allied Arts/Stanford Park
on Jul 12, 2012 at 8:27 am
Menlo Park is being asked to keep adding more and more housing because it keeps approving huge projects that bring workers but not housing (e.g., Bohannon towers, El Camino plan, Facebook. The jobs/housing imbalance was bad before but keeps getting worse as such project approvals aggravate the problem.
With the excess of office building space, these projects are simply bringing to Menlo Park lots of commuters who otherwise have been commuting someplace else. Unless and until the City wakes up and stops this cycle, Menlo Park will suffer the consequences.
a resident of Menlo Park: Central Menlo Park
on Jul 12, 2012 at 9:50 pm
........Hindsight is always 20/20, maybe it's even 20/10 most of the time. Menlo Park has had many opportunities to improve their housing stock, and one faction or another seems to have always hijacked it. There is no one solution, the Derry Project would not have solved it by itself, I cannot think of any one project that would have solved it by itself. We have a Planning Dept., when the Planning Dept approves something and the City Council signs off on it, the developer should be allowed to proceed, the process should not ever again be allowed to be de-railed by a splinter citizen's group. If you don't like the job the Planners are doing, get them replaced......if you are unhappy with the Council, vote 'em out, or, better yet, YOU run for the Council. But the second-guessing that the Menlo Park City Council has been subjected to is simply appalling.
a resident of Menlo Park: Allied Arts/Stanford Park
on Jul 13, 2012 at 9:44 am
No one can make property owners build housing. But the city can require funding or even land (e.g., in development rights swap)for housing. It failed to do so with the massive projects approved in the last several years.
Hindsight can by quite inaccurate when not all facts are considered. For example, the revised Derry project didn't proceed, after Planning Commission approval, because the property owner and developer had a feud. Oh, yeah, and the economy had tanked.
Who's to say what would have happened in the down economy? There are plenty of approved projects that aren't being built.
a resident of Woodside High School
on Jul 13, 2012 at 1:11 pm
Why not rezone the area on Haven in Menlo Park into live/work lofts? It can provide living space for Facebook employees who can bike to work. Lofts are inexpensive to build. There is lots of available land, and empty warehouses that could be reworked. It would not impact El Camino and could revitalize the whole area.
a resident of Menlo Park: University Heights
on Jul 13, 2012 at 2:20 pm
East Palo Alto and Redwood City are full of affordable housing. This nonsense is really about busybodies wanting "affordable" housing located right next door to "unaffordable", so that a random lucky few will be gifted housing at an artificially low price.
I have found the Tesla Roadster to be unaffordable. Can we have a lottery so that I have a chance to buy an electric sportscar for $25,000? The car company can pass along the difference to those paying full price.
I would like a red one please.
a resident of Menlo Park: Central Menlo Park
on Jul 13, 2012 at 3:43 pm
What about annexing the county North Fair Oaks area from 7th Avenue to Marsh Road bordered by Middlefield and Bay/Edison? It is surrounded by Menlo Park and Atherton and one of these towns should snap it up! The housing is already more affordable and there is some commercial space. Either town could slowly acquire property to redevelop or convert to affordable units.
a resident of Menlo Park: other
on Jul 13, 2012 at 9:38 pm
Ms Pugh:
If either city wuss interested in annexing north fair oaks they would have done so long ago. Not going to happen. Not enough tax income to cover the cost of services that are required from a low income community. Belle Haven is enough.
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Beyond PR
Aug 10, 2012
Desperately Seeking Latino Viewers
"Desperately seeking Latino viewers" or "Yo quiero Latino viewers" or "Mi ABC es su ABC," could have been more interesting and entertaining headlines for a recent New York Times article ("Networks struggle to appeal to Hispanics") that is currently the talk of the town in the U.S. Latino advertising and public relations industry.
A quote from the article: "Despite her [Sofia Vergara's] popularity, 'Modern Family' is not a hit with Hispanic viewers. Out of its overall viewership of 12.9 million, 'Modern Family' drew an average of only about 798,000 Hispanic viewers in the season. That audience accounts for only about 6 percent of the show's viewers — less than half of what you might expect given the 48 million Hispanic television viewers that Nielsen measures. "
The leading U.S. Spanish language TV networks are actively posting on Facebook and LinkedIN, Twitting, and even investing in costly email blasts and ad buys to ensure this story gets maximum visibility.
Univision, the "Lion King" of U.S. Hispanic media, not surprisingly, is roaring the loudest. The network purchased an email blast from HispanicAd, a leading Hispanic advertising marketing trade group, to ensure this message reaches Hispanic ad buyers and media planners.
In addition to that, Univision surely will buy ads in the New York Times, Wall Street Journal and other mainstream publications reaching the country's top marketing decision makers to, in essence say, the English language networks have big numbers, yes, but they have only a tiny fraction of the 50.5 Latino consumers in this country. We have them. To get them you must come to us.
As you know, Fox is not taking this sitting down on their manos. They are launching MundoFox soon to capture some of those marketing dollars. They also launched Fox News Latino, an online news web site. NBC launched NBC Latino. Univision will partner with ABC News to create a news channel. We have not heard from CBS, at least not yet.
Smaller players are getting in the game as well given that the market is too big and it is still being under-served. For example, former Univision and Telemundo executive, Carlos Barba, is about to launch BuenaVisionTV, a new channel designed to serve the NYC Latino community this fall.
Key Takeaways:
– This market is too big. It has the critical mass needed to generate ROI from a dedicated marketing program. If it is big enough the warrant the creation of a new Fox network, is big enough to help anyone's bottom line.
– Yes, this market is bilingual and does consume English language media of all kinds. Se habla inglés, but…
– These consumers -old and young, foreign-born and U.S. born- remain attached to the Spanish language and to Latin culture. Yes, carnitas, tacos and Salsa, both, the eating kind and dancing kind, are here to stay.
– Therefore, any communications program that intends to reach them in a meaningful and impactful way must have a bicultural and bilingual component. Think communications program on chimichurri. Or go corporate and "Sazón Goya it!"
– In all seriousness, the influence of U.S. Latinos is strong now, and it will only get stronger and broader. The combined total of more than 100 million Latinos, African Americans, Asian Americans and other multicultural communities, has reached critical mass. The fact is that the United States has become a multicultural nation. Professional communications programs need to reflect that in order to optimize results.
Carlos G. Giron is a PR Newswire multicultural marketing consultant and an experienced U.S. Latino communications strategist.
Learn more about reaching multicultural audiences on our Multicultural PR resource page.
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text:
To show appreciation to those who serve Laguna Woods Village residents, more than 1,400 red carnations and thank you cards were distributed on Dec. 19. Members of the Community Civic Association and other volunteers traveled throughout the village, saying thank you to PCM employees and others for their service in the retirement community.
"I love 'Thank You Day'! It is our, the residents, chance to say 'thank you' to all of our great employees," said Denny Welch, president of CCA and the coordinator of the event. "It is because of them that Laguna Woods Village is the number one place to live. The reactions of the employees when we give them the carnation is priceless! Their constant comment is 'I love working here!' Nineteen people who have worked here for over 40 years is a real compliment to the PCM executive staff."
In the Redwood Room at the Community Center, Certificates of Appreciation were presented to 18 employees who have served for more than 40 years in the Village: Frank Lozano, (46 years); Margarito Rivera (46 years); Ismael Saenz (45 years); Rafael Alcala (44 years); Enrique Juarez (44 years); Faye Bridges (43 years); Rob Merritt (43 years); Felipe Arteaga (42 years); Frank Cisneros (42 years); Manuel Hernandez (42 years); Trinidad Deleon (41 years); Heraclio Diaz (41 years); Isaac Larios (41 years); Jose Marquez (41 years); David Gonzalez (40 years); German Guzman (40 years); Rafael Navarro (40 years) and Rosario Villa (40 years).
The volunteers also delivered carnations to the staff at the Laguna Woods Globe, City Council, city staff, lifeguards, and members of the local fire department.


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CalPERS Tapped For SEC Investor Advisory Panel
The appointment by SEC Chairwoman Mary Schapiro comes after CalPERS and other institutional investors representing more than $1.6 trillion in assets called on the agency in February to adopt a proactive agenda to protect investors and encourage fair, efficient markets and...
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Discussion in 'Star Trek: The Next Generation' started by ItsGreen, Jan 13, 2013.
I thought this show was mainstream from the start.....
I'm 55 and my wife is 56. We love it because we've both been Trekkies and sci fi fans our whole lives, and we love the genre references and jokes. We think of it was a sitcom written "for us nerds."
I like it because I have a lot of nerdy scientist friends and I can't help but see some similarities.
The strange part isn't their age--it's that my parents are not sci-fi fans in the least, and have little-to-no knowledge of higher mathematics or physics.
My siblings gave me hell about my affinity for sci-fi when we were kids, and now they watch, too.
I love BBT because I can relate to it - I can remember a time when I was almost as good at sports and human interaction as Sheldon, almost as classy of a dresser as Wolowitz, almost as good-looking as Leonard, and almost as good at talking to girls as Koothrapalli.
I watched the ComicCon/TNG episode... God that was painful. This is what passes for humor these days?! This is what some think is a GOOD representation of geeks and nerds? Ugh.
I stand by my "Nerd-Face" comment.
It's what passes for humor on CBS. But since only senior citizens and chemically castrated sex offenders watch CBS, it's not really a representative audience.
Community is also a good show for representing nerds.
Big Bang Theory, the very premise of the beginning of the show is that there's something silly and weird about being intelligent, being socially awkward and enjoying science fiction (And that the three naturally go hand and hand). And while I admit the references can be good, they cover them in a very 'quirky' superficial way like any other sitcoms.
The behaviors of the group of guys were just every nerd/geek trope imaginable. It was just, ugh, annoying to watch. "Production values" of the show didn't strike me as great either. Granted, it's a sitcom but, man, it was just ugly to watch. I'm glad I don't watch sitcoms anymore. I did find the B-Story with the girls trying to get into comic-books and understand Thor's hammer and getting into a nerdy discussion over it. I wish the episode had been about that rather than this tenuous Star Trek connection nonsense.
Actually, the funniest bit was when the girls got caught up in a debate about comic books.
"If you're comparing wands to hammers, I can't take you seriously anymore!"
That's basically my problems with The Big Bang Theory. I'm not sure I'd go so far as to call it "Nerd Blackface," though this isn't the first time I've heard that term applied to the show.
Granted I've only watched one episode, but based on it and everything else I've heard about it, this basically summarises it and its humour:
"We're nerds." [HA HA HA]
"The blonde girl doesn't understand what we're talking about." [AH HA HA HA]
"[Obscure sci-fi reference]" [OH HO HO AH HA HA HA]
I shudder to think what category I fall into!
Seriously, most of my Trekkie friends are hooked on the show. And, yes, I have laughed in recognition more than once . . . .
Along with 2 1/2 men, it's the Micky D's of sitcoms. I've got a pretty broad sense of humor, I like my low brow and my high brow, slapstick, or whatever...but BBT is one of those shows where I'm ahead of every joke. It's predictable. I guess some find that comforting and just want to switch off at the end of the day but I want to be engaged on some level at least. Just like Trek 2009, it's written for a very different mind set...although to be fair, Trek 2009 had enough redeeming qualities for me to enjoy it at least.
Come on, we all know people like that. If you're not laughing at it, you should be laughing with it.
Really, once Seinfeld, Friends and Frasier were off the air the sitcom died as far as I'm concerned.
Have you checked out "The B--- in Apt. 23"? I don't watch a lot of sitcoms, but I've been enjoying that one.
Big Bang Theory is basically Friends with more nerd references. With the addition of Amy and Bernie, even more so. Replace the nerd reference with snob references and you've got Frasier. Penny is just a young, attractive Martin Crane.
I've not watched any sitcom since either Fraiser or Friends went off the air (I forget which one went off last, I think it was Friends.) I've seen the occasional episode of various ones but, really, none of them grab me anymore as none of them even begin to interest me and really, the jokes and such on them are just barely a step above the ones in those "[Genre of Movie] Movie" movies.
I guess my problem with the show – and I'm saying that as someone who has watched every episode of it – is that they don't want the viewer to laugh with the characters but at them. It didn't bother me at first, but the last two seasons or so have been really annoying in that it's always "Look how socially awkward and uncool geeks are!" Think about it, this show is written for an audience that is like Penny rather than the boys. The stories are always looked at from an angle of someone who really isn't a geek. And I think that might be the reason why the show is so popular with general audiences. To me, though, some of the jokes can really be offensive. I swear, another "lesbian" joke out of the mouth of Amy and I'm gonna quit that show.
Also, it seems like the authors don't really care about the characters anymore. No-one is allowed to be really happy. Everyone is just a basic joke, a cypher. And it has become apparent, that none of these people are actually friends. They never help each other and aren't there for one another. They are never allowed to become emotional either. And that's really tiring.
It's also somewhat offensive how they always tease with Raj's apparent homosexuality, but never seem to have to balls to actually make him gay. Really, it's just there so we can laugh about him. And it's hillarious!
When people use the "laughing with people" line, they tend to forget that laughing at people is always funnier than laughing with them. Comedy without cruelty is useless. The Big Bang Theory is already pretty tame, defanging it to preserve thin-skinned geeks from getting offended is a terrible idea.
Separate names with a comma.


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State Codes and Statutes
Statutes > West-virginia > 31a > 31a-8a-8
§31A-8A-8. Authority to issue rules; cooperative agreements; fees.
In order to carry out the purposes of this article, the Commissioner may:
(1) Propose rules and issue orders;
(2) Enter into cooperative, coordinating or information-sharing agreements with any other bank supervisory agency or any organization affiliated with or representing one or more bank supervisory agencies;
(3) Accept any report of examination or investigation by another bank supervisory agency having concurrent jurisdiction over a West Virginia bank or a bank holding company that controls a West Virginia state bank in lieu of conducting the Commissioner's own examination or investigation of the bank holding company or bank;
(4) Enter into contracts with any bank supervisory agency having concurrent jurisdiction over a West Virginia state bank or a bank holding company that controls a West Virginia state bank to engage the services of the agency's examiners at a reasonable rate of compensation, or to provide the services of the Commissioner's examiners to any bank supervisory agency at a reasonable rate of compensation: Provided, That any contract for examiners shall be excluded from the requirements of article three, chapter five-a of this code;
(5) Enter into joint examinations or joint enforcement actions with any other bank supervisory agency having concurrent jurisdiction over any West Virginia state bank or any bank holding company that controls a West Virginia state bank: Provided, That the Commissioner may take any such action independently if he or she determines that the action is necessary to carry out the responsibilities set forth in this article to enforce compliance with the laws of this state: Provided, however, That in the case of an out-of-state bank holding company, the Commissioner shall recognize the authority of the home state regulator over corporate governance matters and the primary responsibility of the home state regulator with respect to safety and soundness matters; and
(6) Assess supervisory and examination fees that shall be payable by any bank holding company operating a bank or bank branch in West Virginia in connection with the Commissioner's performance of his or her duties under this article. The Commissioner shall charge and collect from each bank holding company and pay into a special revenue account in the State Treasury for the Department of Banking an annual assessment payable on the fifteenth day of January computed on total deposits in this state of the bank holding company as of the thirtieth day of June of the previous year as is set out in section eight, article two of this chapter. The payment of the assessment fee shall be accompanied by the report prescribed by the Commissioner under subsection (a), section seven of this article. Examination fees may be shared with other bank supervisory agencies or organizations affiliated with or representing one or more bank supervisory agencies in accordance with agreements between them and the Commissioner.


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Devin Taylor is one of the best defensive ends in the country. Even if he won't say so.
The best example is a story that former South Carolina cornerback Chris Culliver loved to tell.
"We was in a car just riding, Devin Taylor's in the back," Culliver said in 2010. "So we had the music going a little bit. I looked in the window and I seen Devin Taylor on the phone. So I said, 'Man, give him some respect, turn the music down.'"
Culliver, large smile creasing his face, proceeded to act out Taylor's actions while talking on the phone. Taylor would nod or shake his head, never saying a word, and somehow, the other person on the line would get it.
"I looked back, said, 'You ain't gonna say nothing?,'" Culliver would say, winding up for the punchline. "He will kind of talk, kid you sometimes, but usually we call him Don't Say Nuthin'."
As he enters his senior year, Taylor's legendary silence has helped add to his reputation. A player that might say four words in a week is a rampaging beast on the field, a rare combination of size, speed and length that causes SEC offensive line coaches to adopt a new dimension of studying game film.
Taylor, who briefly flirted with the NFL Draft after last year before coming back to school, has seen his highlight reel and personal accolade list grow to rival the length of his freakishly extended arms. He hasn't bragged about any of it. He's barely whispered some of it.
So why is it that when asking his teammates how to describe Taylor, they reply with one word that is as far off the supposed target as the pass that Arkansas' Tyler Wilson hastily tried to flip while getting sacked last season, only to see Taylor snatch it and rumble for a touchdown?
"It's kind-of silly stuff, but Devin has a quiet, funny personality," said safety D.J. Swearinger, as bombastic and in-your-face as Taylor isn't. "He's always quiet, but he jokes around a lot when he's around us, too. He's sort of a playful guy."
Swearinger didn't list a lot of specifics, but mentioned that Taylor's idea of a joke was to not say anything for an hour in the pre-game, then wait until a teammate's back is turned and hurl a piece of ice or rolled-up ball of discarded tape at his head. Then walk away without another word, acting as if he doesn't know what happened.
Perhaps the humor needs work, but as the saying goes, YOU tell him.
"He's always quiet with it," Swearinger said. "He sort of leads by example. He really doesn't need to talk a lot."
Jadeveon Clowney, who knows a few things about being highly regarded, used the same term to describe his line mate, the one that he is expected to team with this season for perhaps the best 1-2 combination in the country.
"He's funny," Clowney said. "He cracks a lot of jokes."
Although Taylor cuts it off when it's time to work - even if he has to go nose-to-nose with Clowney, a potential No. 1 NFL Draft pick after the 2013 season.
"He knows when we need to get serious," Clowney said. "There are sometimes when we're joking around and he just looks at us."
It's all in the eyes, as Taylor hardly ever smiles or frowns - at least, in public. Who knows what's going on out there under the lights, when his visage is concealed by bars -- it's also hard to get a glimpse at somebody's face when a player is being dragged down from behind.
Position coach Brad Lawing had to figure out how to reach Taylor. He knew it was going to be difficult when he met the former three-star prospect, warm and full of good cheer to impress the young man, and Taylor silently looked at him, no smile, no frown.
"I remember recruiting him," Lawing said. "It was quite a challenge."
Lawing told a story about the recruitment process when Taylor first emerged into a starter, about working him out at the Gamecocks' summer camp. Lining up across from the spindly but tall high-schooler, Lawing instructed Taylor to come at him, like he was an opposing lineman with the quarterback behind him. Taylor nodded and charged when Lawing said, "Hut!"
"He was fired (up)," Lawing said in 2010. "He got after me. I knew right then he had that competitive nature."
Despite Taylor's silence, Lawing saw what he wanted to see in the hooded expression, fury on the edges, that day. After redshirting in 2008, Taylor got a quick lesson in bringing all that he had right away the next season, when he was put in as a starter after Clifton Geathers was suspended for the season-opener.
The nation was quickly introduced. On the first play of Taylor's career, he forced a fumble. The Gamecocks recovered and scored the only touchdown of a 7-3 win on the ensuing possession.
The awards and huge plays increased throughout 2010 and 2011, leaving Taylor with 27 career tackles for loss, 15.5 sacks, two interceptions, 10 passes broken up, two forced fumbles and four recovered fumbles. He's expected to add to it this season, as opponents won't know who to block - double-team Taylor, and there's that Clowney guy to deal with.
Taylor is the leader of the defensive line, even if he doesn't say so. Lawing used to ride Taylor about speaking up more, but gave up when he realized that Taylor just wasn't going to be that kind of speak-up player - he would let his play do the talking.
"We've talked about it a couple of times, but sometimes … you can't beat a dead mule," Lawing said. "Everybody has a role, and his role is being a good player and not being very vocal. That's just the way it is. It's hard to make somebody something they're not."
But why is he so quiet? After considering all that Taylor has done for USC, and the riches that await him at the next level, why doesn't he boast, brag and pound his chest after every sack, interception or a stop so hard that the ball-carrier's mother feels it? Why not scream, stomp or shout instead of being silent?
Because he doesn't have to.
Click Here to view this Link.


text:
The following crimes were reported to Doncaster police on July 2. Anyone with information should call police on 101.
Rossington: Burglars snapped the lock of a rear door at a house in Windsor View yesterday and got away with jewellery, a computer, camera, camcorder and iPad worth about £3,000.
Hatfield: An insecure ground floor window allowed burglars to get into a property in Manor Road yesterday afternoon and steal around £3,000 worth of jewellery.
Conisbrough: The padlock of a shed on the Northcliffe Road allotments was forced on Tuesday night and a quantity of hand tools were stolen.
Rossington: Two children's BMX bikes were stolen from the outbuilding of a house in Ormonde Way on Tuesday night.
Scawsby: A mountain bike was stolen from outside the Ridgewood School in Barnsley Road sometime before 3pm yesterday after the lock was forced.
Bawtry: A man of stocky build with a black hooded top was seen nearby when a car alarm went off in Binbrook Court at 5am today. A £200 iPod was stolen.
Wheatley Hills: A satnav was stolen when the passenger window of a car parked in Central Avenue was broken into.
Balby: Sportswear was stolen from the washing line and solar lights were taken from the rear garden of a house in Warmsworth Road.
Highfields: Metal gates propped against the side of a house in Coppice Road were stolen on Tuesday night and gates also disappeared from outside a house in Teapot Corner, Clayton.
Dunscroft: A pair of ornamental dogs have been stolen from the garden of a property in Broadway during daylight yesterday.


text:
I just want to make you all aware of BBC (BabyCenter) rules.
They can be found here:
There have been a lot of posts recently which are beginning to become bullying behavior. This board is for everyone. If someone has a question or a statement which you think is silly, please ignore it rather than making fun of or attacking the person.
I saw some of you asking about why photos have been deleted, if they are offensive to a group of people or sepcific person, then they are classed as a personal attack.
Personal attacks are unacceptable.
Personal attacks are postings, photos, journals, comments, or other content that insult, demean, embarrass or humiliate another member of our community or group of members of our community based upon her or their character, decisions, personal choices or beliefs."
I am trying hard not to delete entire posts, I don't like doing it, but it's becoming quite difficult not to at the moment. GO's are not always able to PAN everyone when a post/thread is deleted. We volunteer to do this!


text:
'We showed a lot of character'
Angels overcome obstacles to eliminate Yankees
By /
We had our best pitcher out there on the mound and Bart (Bartolo Colon) went down. I think a lot of our spirits kind of went down with him momentarily, but the great thing about this team is the fact we don't get down and we pick each other up.
Ervin Santana came in and was just tremendous; he was phenomenal. He warmed up for barely five minutes and, even after he walked a couple of guys and they scored some runs, he didn't buckle under the pressure. That was his best outing of the year. He has been on the mound for us in some big games this season and it is impressive.
He has shown so much poise this year; it's just amazing that he's a rookie. But with so many starts under his belt this year I think he kind of knows what to expect.
Our confidence really took a boost tonight. The offense came up with some more big hits and we're starting to drive the ball more. Garret (Anderson) hit another homer and Adam (Kennedy) hit that triple. It's also nice that we're getting contributions from so many people. Again that is the beauty of this team. So many guys are capable of stepping up.
I'm ready to go tomorrow in Chicago. I wasn't really happy with my outing last Friday in New York. I really felt I let the team down and made us use the bullpen too early. I don't feel that I threw my best pitches.
The White Sox are playing really well and they have a lot of momentum. I'm hoping they've cooled off over the last few days. I know they're rested, but maybe we'll be able to come in with an edge.
I just have to approach it one hitter at a time and I think we all do in this series. They've got some great hitters over there but I can't just worry about Paul Konerko because they have a lot of guys that can beat you. They pitch well and they can play defense.
But we're hot and I think we've got some momentum going into this series even though we've been through a lot over the last couple of days in the Yankees series.
I think we showed a lot of character in this series. We could have been down after yesterday's loss and flying all the way across the country. But we didn't and I believe that shows the character of our ballclub.
Paul Byrd's journal appears as told to MLB.com reporter Mike Scarr. Byrd's journal will appear regularly while the Angels are in the playoffs. This story was not subject to the approval of Major League Baseball or its clubs.


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I plan to shop with GenTechPC to build an MSI GE60/650M, configuring with a 60GB mSATA + a cheapy 640GB HDD (it only costs $25 more than the "no HDD" option) though I'm not sure if I should pay the extra $15 for "no bloatware" - I think I can remove these things myself but I know some hardware like antivirus trials are an absolute PITA to remove.
GenTechPC and xoticPC allow you to downgrade to the Sandy Bridge CPU's which I highly recommend to get the most out of your money, because you save $80 that way and only lose 10% CPU performance at worst. The HD 3000 downgrade doesn't matter obviously thanks to the GT 650M.
As far as the "$200 laptops" go, I bought an EeePC a couple Winters ago for 250€ and it works fine for basic things and 10-year old games. But now I have gotten spoiled by modern games and want to do some StarCraft 2 at 1080p and maybe some WarHammer and whatever other RTS games happen to spark my interest.
I highly recommend a laptop cooler, like this one: http://www.amazon.com/dp/B002MU1ZRS. The MSI GE60 gets really hot and this laptop cooler will bring temps down in order to prevent your laptop from being throttled. I suppose the mat will give it a lot of overclocking headroom as well, but that's going to achieve more modest improvents for me compared to being 20x better than my Intel GMA 3150 + 20x better than my Atom N450.


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Topic: FAO: Roberto
just read one of your messages and noticed you were from fleet, I live in farnborough!! Just wondered wot your name was??
Bedrock Messageboard
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just read one of your messages and noticed you were from fleet, I live in farnborough!! Just wondered wot your name was??
If you live in farnborough, how come you're location is Liverpool? My geography's not great, but even I'm not that stupid...
I knew someone would ask that?? Because im back for the summer from university at the momentso im in farnborough but as from next week im back at university in LIVERPOOL!!!!
I knew that as well, I was just winding you up cos I'm bored
Alright Fleckster
I am Rob Eggleshaw, live in Fleet. Couple of mates live in Fleet also - we're all regular Bedrockers. Like to hit a few other nights such as Fabric/F.Live. We drink up the Sports Bar inFleet - m'mate Eddie Thomas (Posts as Big Edd or Biggus Eddus) djs up there most Friday nights. Mainly on a more funky tip, but we're trying to educate So you should try to get along! Get in touch next time you're around and we'll have a 'herbal' and tune night or somink
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The Pastor's Study: Detailed Accordance Workflow
This week's installment of The Pastor's Study comes from Steve Bauer, Pastor of Faith Lutheran Church in West Newton, Pennsylvania.
The people at Accordance have asked me to include a section on how I make use of Accordance in my sermon preparation. There is no doubt that some of this will overlap with what others have written. But I hope that as you travel through this with me you'll learn to use Accordance in ways you haven't thought of before, or in ways that might help save you some time in preparing for your sermons.
Do the Gruntwork
Whether you are not using a computer at all or using Accordance, there's always the tedious gruntwork that is involved when preparing for a sermon. So, before we get to the fun, we need to get the gruntwork done.
Get the parsing into the user notes
Accordance has a separate, little file for each verse. So, the first task is getting the original language words into our notes so that we can make our own notes and comments on each word. Here's the process I use:
- Drag your cursor over the words in a verse to select them
- Click the "parsing" button.
- A nice-looking table will appear. Copy the contents of this window (commmand-a, command-c)
- Close the parsing window.
- open up the user notes file for that verse (click back into the verse that you highlighted and then use the key combination, command-u)
- The user notes Edit window now opens. Paste your parsed words into your user notes (command-v).
Ok, we have the words in the user notes. But wouldn't it be nice to have some space in beween the lines so we could write some notes? The proper answer is 'yes---most definitely yes!'
- Drag the cursor from the end of one line to the beginning of the next line to highlight a linebreak.
- Copy it (command-c)
- within the user notes editor open up the find window (command-f).
- Make sure the "Latin characters only" button is not checked!
- Click the "Find" field and paste once (command-v)
- In the "Replace with" field paste twice (command-v twice)
- Click the "Replace All" button in the window.
What you should have now is a nifty looking window with vertical spaces between the lines. The great part about this is that after you have put the parsed words into each user note for each verse, all you have to do is open up the find window (in each user note window editor) and hit 'Replace All' to have these spaces added for each verse.
I walk through these steps for all my sermons. It doesn't take much time. And if I don't have much time to prepare (e.g. funeral sermons), I have the words formatted in the user notes so that I can move on to my exegesis.
Getting your windows to work for you
Some time ago, Accordance added Favorite Workspaces. That's what that big, yellow star is for on your Resource palette. Those are where your Favorite Workspaces appear. Dr. Jenney has provided a good overview of workspaces in his podcast, but briefly, you can set up a workspace with all the tools you need for a given task and then save it for use at any time. I put my Grammars and Lexicons into these workspaces. I also put some of the user tools I have made (or have been given) into workspaces.
We will talk more about using workspaces a little later on. But if you haven't put together some workspaces with collections of your precious tools you use most, now would be a good time to watch that podcast and make some workspaces.
Do the Exegesis
You're on your own
This is the part of the post where I need to be a little blunt. I can't teach you how to do exegesis. I went to school for five years to learn the biblical languages (greek and hebrew). I went to our seminary for four more years to learn how to use the biblical languages.
Accordance can't teach you the languages. And when you learn the languages, Accordance can't teach you how to use the languages. But, if you have gone to a good school, Accordance can be a valuable tool in your teaching and sermon preparation.
Highlighting can help
Once you have done a faithful text-study and have learned what the words mean, the next task is to figure out how to organize your thoughts and communicate them. There are many books written on this topic.1 But highlighting can help to show the flow of thought, the parallelism, repeated phrases, etc.
In order to get this done, I made two collections of highlights. The first highlighted relationships within one verse. The other set highlighted relationships between words spread out throughout several verses. Perhaps some examples would help.
- In this first example I highlighted instances of the same word (παραιτήσησθε...παραιτησάμενοι) or contrasting words (ἐπὶ γῆς...ἀπ᾿ οὐρανῶν)
- Likewise, since The Writer to the Hebrews carries this theme of shakable-unshakable throughout these words, I thought it would be a good idea to track it (ἐσάλευσεν... σείσω... σαλευομένων... σαλευόμενα... ἀσάλευτον)
I've found this pattern useful not just for NT stuff, but also for OT texts as well. Especially in Hebrew poetry, which relies on parallelism so much, highlighting can be a useful (and fun?) way of charting the flow of the words.
In the provided screenshot you'll notice the parallelism highlighted within the verses. But, I also make use of highlighting to chart the connections between the verses.2
The whole point of this is to find how the words flow and speak so that the pattern you find in the words can give shape to your flow of thought in your sermon.
Protect your Humility
One of the troubles and temptations of preachers is to go beyond what either linguistically or contextually the text is actually saying. Here is where the workspaces come in handy. (If I have time) after I have finished my exegesis, I start at the beginning and use my custom workspaces to see if I might have gone too far in my translation. I highlight the verse3 and then click the 'star' icon to open up my workspace with my grammars, lexicons and tools. The workspace then spills out every time the verse you have highlighted is cited in your tools. This can be very helpful...
With rants
I may be alone in this, but I like it when grammarians rant. Sometimes the points they make I miss, simply because they hide them with five-syllable words. But when they start ranting, then I know I'm getting to the good stuff. Take for example what I came across in preparation for my last sermon. In Luke 11:4, Wallace offers this vivid commentary:
Fourth, as the colloquial aphorism goes, "The proof of the pudding is in the eating." The results of the traditional approach are almost comical. Exegetical and expository literature in the past several decades is filled with statements that are less than credible. Applying the traditional canon to Eph 5:18 results in: "Stop being drunk with wine, but continue to be filled with the Spirit" (μὴ μεθύσκεσθε, πληροῦσθε). On this view, one could ask, "Why stop getting drunk if it does not prevent one from getting Spirit-filled?" Further, if Ephesians is a circular letter, why are specific judgments made in it? Note, for example: "Stop provoking your children to wrath" (μὴ παροργίζετε in 6:4); "Stop grieving the Holy Spirit" (μὴ λυπεῖτε in 4:30); "Stop being foolish" (μὴ γίνεσθε in 5:17).14 Or consider John 5:8: "Take up [aorist: ἆρον] your mattress and continue walking [present: περιπάτει]." But how could the lame man continue walking if he had not done so for thirty-eight years?15
In sum, the basic force of the aorist in commands/prohibitions is that it views the action as a whole, while the basic force of the present in commands/prohibitions is that it views the action as ongoing process. This basic meaning may, of course, be shaped in a given context to fit, say, an ingressive idea for the aorist. Thus if the conditions are right, the aorist prohibition may well have the force of "Do not start." This is an affected meaning or specific usage. But to call this the essential idea is not correct.4
But wait, the ranting continues in the footnote:
15 Other texts are equally absurd, if the traditional canon is followed. The following examples include translations that are patently ridiculous. For the present tense, note, e.g., Matt 4:10 ("Continue to go away, Satan"); 5:44 ("Continue to love your enemies" [when the audience had not yet begun]); Matt 7:23 ("Continue to depart from me"); Mark 5:41 ("Continue to rise"); 7:10 ("Let the one who speaks evil of his father or mother continue to die"); Luke 8:39 ("Continue to return to your home"); John 10:37 ("If I do not do the works of the Father, stop believing in me"); 19:21 ("Stop writing" the title on the sign above Jesus' name—v 19 states that this was already a completed act). For the aorist, note, e.g., Mark 9:43 ("If your hand offends you, begin to cut it off"); Luke 11:4 ("Begin to forgive us our sins")5
There will always be this temptation to make the immediate words we are translating say more than what they are saying. There are times that the grammars can keep us in check.
Prevent the Timidity
On the one hand, there is a temptation to say too much. But on the other hand, there is a temptation to say too little. Here again, Accordance can help.
With Workspaces
In my sermon for Easter 5 - Cantate, my text was Hebrews 12:25-29;13:4-6. Robertson provides this comment on Hebrews 13:5:
Even οὐ μή was not strong enough sometimes, so that we have οὐδέ and οὐ μή in Heb. 13:56
There is no more extensive and emphatic way of saying 'no' in the NT than the strong future negation. Robertson's note is worthy of considering in your heart and preaching from your lips. If οὐ μή wasn't enough for the writer to the Hebrews, should it be enough for us?
What I mean is this: If the writer to the Hebrews tells us that God will never, ever, ever leave us nor will he ever, ever, ever abandon us, isn't that a point we should emphasize in our preaching?
With "ancient and widespread" Variants
Ever since Accordance added the Nestle-Aland textual apparatus (and then later the CNTTS) the variant readings have been more accessible than they ever have been before. But, what do we do with them? Here is where the old phrase Ancient and Widespread comes into play. Yes, it sounds like a poorly crafted punchline to a joke about your grandma or mother-in-law. But it's not. It's how we attempt to find the original text (the autograph).7 So, if we look at Hebrews 13:5, we find this variant:
- Option 1: οὐ μή σε ἐγκαταλίπω (aorist subjunctive)
- Option 2: οὐ μή σε ἐγκαταλείπω (present subjunctive)
As with all the variants in the NT, they don't change the doctrine in the bible. However, they might change the emphasis in your preaching. In support of the base reading in the Nestle Aland text (ἐγκαταλίπω) we find Bezæ (D) and a whole bunch of later minuscules:
|Asia Minor
However, we find that earlier and more widespread witnesses have the second option (ἐγκαταλείπω):
|Asia Minor
If the variant (ἐγκαταλείπω) is the better option, the next question is "why should I care?" What difference in translation and preaching would the aorist subjunctive vs. the present subjunctive make? Although I can't prove this with sufficient detail, my conclusion is that the writer has chosen the present subjunctive deliberately to show that God's promise of never abandoning doesn't just apply to the distant, abstract future. It applies now. If this is true, then it provides a good emphasis in preaching which I might have overlooked if I didn't look at the variants.
This is my Sermon Preparation Workflow. I get the verses in the user notes and do the exegesis. If time permits, I use the workspaces to quickly and efficiently grind through the grammars, lexicons and other tools to see where these verses are cited. If there is still a little more time, I have a look at the variants to see what the most ancient and widespread witnesses wrote.
All of this serves two purposes:
- Save time in the areas I don't want to be spending time (paging through dusty old tomes, trying to see what they might say about my text)
- Costing time in the areas I want to be spending time. I want to translate these verses faithfully. I want to ponder them. I want to avoid saying too much. I want to avoid saying too little.
I hope this little walkthrough hasn't taken up too much of your time and has given you some ideas of how you might use Accordance in better ways than I do.
1 perhaps the best out there right now is Bryan Chappell's, Christ-Centered Preaching.
2 עֶבֶד In Is. 49:3 and Is. 49:6
3 not the words in the verse---just the verse number!
4 Daniel B. Wallace, Greek Grammar Beyond the Basics: an Exegetical Syntax of the New Testament (Accordance electronic ed. Grand Rapids: Zondervan, 1996), 717.
5 Daniel B. Wallace, Greek Grammar Beyond the Basics: an Exegetical Syntax of the New Testament (Accordance electronic ed. Grand Rapids: Zondervan, 1996), 725.
6 A. T. Robertson, A Grammar of the Greek New Testament in the Light of Historical Research (Accordance electronic ed. London: Hodder and Stoughton, 1919), 1175.
7 Some might point out that this phrase and approach to solving variants is not what they were taught. My point here is only to concisely provide a format for dealing with variants. This method is what I was taught. And over the years I have become convinced that this is the only way of dealing with the variants in an objective manner.
Archived Comments
Dr. J
Excellent! I wish my students had absorbed as much as you did in your training. I am sure your congregation in blessed by your integrity and diligence. Well done.
Pastor steve bauer
Thanks for the comment, Dr. J. I've really been enjoying the "pastor's study" postings. I'm thankful to be given the opportunity to give some input. I'm here at our Seminary for Summer Quarter (a sort of Summer School). Accordance has already made my exegesis and notes so very much easier for my Romans class. It's nice to have the right tools to get the job done well.


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Google's Android mobile OS launched it
was met with skepticism, pessimism, and doubt. Slowly but surely,
Google recruited new hardware partners, launched new handsets,
eventually reaching sales
of 65,000 units a day -- then
100,000. And Google maintained a relentless pace of OS
releases -- with such high profile updates as Android 1.5, 2.0, 2.1,
and, most recently, 2.2
(Froyo).Now market researcher Canalys claims that Google
is now the top
player in the U.S. smartphone market in terms of market
share. According to Canalys's extensive study, Google owns 34
percent of the market compared to Research in Motion's 32 percent and
Apple's 21.7 percent.Propelled by wildly successful handsets
like HTC
Hero (October 2009), Motorola
Droid (November 2009), HTC
Droid Incredible (April 2010), HTC
EVO 4G (June 2010), and Motorola
Droid X (July 2010), Google has dominated the market with an
astounding sales growth of 886 percent.Perhaps the only
analogy to what Google is doing in the history of operating systems
is Microsoft's incredible conquest of the personal computer operating
system market with Windows. Much like Windows, Google's
multi-hardware OEM, open approach, focused on providing customers
with a broad array of choices, is crushing its
more specialized competitors, like Apple (which ironically was
similarly crushed by Microsoft in the PC OS market).That's
not to say that Apple or RIM are posting financial losses. In
fact, Apple grew 61 percent in sales year-to-year and RIM grew 41
percent. What is happening, though, is that they appear to be
missing the growth opportunity that Android has
found with its open, third-party hardware model.Android's
success looks especially scary considering that it appears to just be
getting warmed up. Android
3.0 "Gingerbread" should launch this holiday
season with some pretty amazing new features. Motorola, HTC, and
others are reportedly already cooking up new high end handsets to
accompany the OS launch.In terms of individual hardware OEMs,
Nokia still is the dominant party, owning 38 percent of the market.
Overall smartphone sales rose 64 percent on a year-to-year basis.


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What Should I Do About Rising Taxes?
Christine Selzer
Special To The Dispatch
OCEAN CITY – With income tax hikes imminent, among others potentially, a
thoughtful plan can help you reduce your income tax burden and control more of
your retirement savings.
Here's what you need to know.
I hear income taxes may be going up. Which ones are most
likely to affect my retirement plan?
Technically, income taxes are expected to go back up. The sweeping tax cuts
instituted by President George W. Bush in 2001 and 2003 are due to expire.
While Congress may still decide to extend some of the cuts, it's looking more
and more likely that the income tax breaks affecting wealthier investors and
retirees will indeed be allowed to run out at the end of 2010. That means the tax
rate for the highest income bracket will rise to 39.6% from 35%. Taxes on
qualified dividends and capital gains will also go up. The rate for both is now
at just 15%. Unless Congress changes course, the tax on capital gains will rise
to 20%, and all dividends will once again be taxed as ordinary income—and if
you are in the highest bracket, at the restored, higher 39.6% rate.
So what can I do to limit the impact of these tax hikes?
A slight shift in investment strategy could be in order. For example, many
retirees and people approaching retirement age have historically favored stocks
with high dividends over those with greater upside for producing capital gains.
But with the tax rate on qualified dividends set to jump from 15% to as high as
nearly 40%, you may want to rethink your allocation approach.
Another solution might be to increase the portion of your fixed income
holdings devoted to municipal bonds. Though their yields are typically lower
than those of Treasury and corporate bonds, "munis" are one of the
few investment vehicles generally shielded from federal (and most state) taxes,
so their "taxable equivalent yields" may often work out to be higher.
Finally, while the tax on capital gains should remain comparatively low,
given the likelihood that it is going up you may also want to be more
aggressive about implementing various "tax loss" strategies.
Accounting rules permit you to sell poorly performing holdings and use the
losses to offset your capital gains in other investments. With many stocks still
down off their highs, this could be a good year for finding viable candidates.
And because you can carry the losses forward indefinitely, any losses booked
and not used this year can be used next year (and the year after that), when it
looks as though the capital gains tax could reach 20%.
Merrill Lynch Wealth Management Advisor. She can be reached at 410-213-8520.)