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|November/December 2003
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Durable Powers of Attorney:
Considering the Financial Institution's Perspective
By Daniel A. Wentworth
Daniel A. Wentworth is Senior Legal Counsel with Fidelity Investments in Boston, Massachusetts.
Durable powers of attorney have become an integral part of personal estate planning. Many estate plans executed today include a durable power of attorney that permits an authorized attorney-in-fact to act on behalf of an individual in handling personal, financial, and legal affairs even after the individual is unable to do so because of legal incapacity.
When an estate planning attorney advises a client about options and issues to consider in the preparation of the power of attorney document, the attorney may first consider with the client the appropriate person to act as attorney-in-fact, because this individual may have broad access and authority over the client's assets. A second consideration is the range of authority that should be granted to the attorney-in-fact. For example, should the power to make gifts be included? To what extent should such gift-giving ability be limited? Should authority of the attorney-in-fact begin immediately or only upon some future event?
Not as commonly considered are the third parties that may become involved in transactions with the named attorney-in-fact by presentation of the power of attorney. This third party could be a real estate purchaser or seller, a retirement plan administrator, or the principal's business operatives. Often the third party is a financial institution, whether a bank, broker, or IRA custodian, that is presented with a power of attorney document by an attorney-in-fact along with a request that such power be recognized. This article will examine durable powers of attorney from the perspective of a financial institution presented with the power. It is intended to suggest to estate planners the importance of considering the financial institution's perspective at the time that the power of attorney is drafted to facilitate later acceptance of the document.
The Ultimate Goal: Use the Power of Attorney for the Client's Benefit
When planning with powers of attorney, focusing solely on "who to name" as attorney-in-fact and "what powers to give" may not be enough. (In this article, the individual executing the power of attorney will be referred to as the "principal" and the named agent will be referred to as the "attorney-in-fact.") Ultimately, the planner wants to assist the client in naming the right person, granting the right powers, and facilitating later use of the power. If a financial institution is unable to accommodate the attorney-in-fact, has the client been served in the most effective manner? Obviously, the planner cannot guarantee acceptance of a power of attorney, and stories abound among estate planners about the intransigence of financial institutions regarding power of attorney acceptance. Some of these stories are well founded and are an unfortunate result of financial institutions that either may not have thought through their power of attorney acceptance policies or simply misunderstood acceptance policies in a particular situation.
If a financial institution refuses to accept a power of attorney document in a particular instance, however, it is not always the fault of the financial institution. In some cases, fault may lie with the attorney who did not consider particular types of transactions or accounts in drafting the power of attorney, or who used boilerplate language that does not work for the requested transaction. Ultimately a careful estate planner will consider the selection of the attorney-in-fact, the scope of the attorney-in-fact's authority, the particular transactions that the principal might want the attorney-in-fact to make on the principal's behalf, the financial institutions likely to be relying on the document, and the nature of the accounts owned by the principal to facilitate document acceptance. By considering the financial institution's perspective, a planner can help to make sure that when it is time to use the document, the client's needs are advanced by the efficient recognition of the power of attorney.
Risks Facing a Financial Institution in Acceptance of Powers of Attorney
When considering power of attorney acceptance from the financial institution's perspective, it is first worth a broad view of what the financial institution sees when presented with a power of attorney.
"The Balancing Act"
A financial institution may receive cash, securities, or other assets from an individual and hold these assets in an account registered in the name of the individual. The financial institution may also have an account agreement governing the account that permits the account owner to exchange investments, place securities trades, reinvest dividends, write checks, transfer assets, name beneficiaries, and conduct other account transactions. The account agreement typically recognizes that the account owner controls the account—the financial institution merely maintains custody of the account for the owner. An attorney-in-fact who comes forward to the financial institution presenting a power of attorney document is someone who is not the account owner, is entirely foreign to the account (and perhaps even foreign to the financial institution), yet professes to have the authority to access and control the owner's entire account. Given this perspective, account owners might find it entirely appropriate—and somewhat reassuring—for the initial reaction of their financial institution when approached by an attorney-in-fact to be one of hesitation and scrutiny. After all, in the usual case, the account owner places his or her assets with the institution with the implicit understanding that only the account owner will be able to access the account. Verifying the authority of the attorney-in-fact to act for the account owner, therefore, is the first priority of every financial institution, and an estate planning attorney must recognize (and, when working with attorneys-in-fact, should set the expectation) that this initial reaction is appropriate.
Although a financial institution may be justified in initial wariness of someone wielding a power of attorney, the institution should also recognize that its account owners have visited with estate planning attorneys and have conveyed authority under these documents so that a named attorney-in-fact can access their accounts. It is the account owner's intent that the financial institution recognize the attorney-in-fact. So, on the one hand, someone who is not the financial institution's customer is asking for access to its customer's assets, but, on the other hand, the customer may have planned ahead so that this could happen. It is this tension that makes the acceptance of powers of attorney such a difficult balancing act for a financial institution.
Specific Risks When Considering Acceptance of a Power of Attorney
With this backdrop, this section will detail some specific risks facing a financial institution presented with a power of attorney. Consideration of these risks from the institution's perspective may help the planner facilitate acceptance of the document.
Remembering that the attorney-in-fact coming forward is not the financial institution's customer and that the attorney-in-fact's access to the account can be very broad, the financial institution first needs to be concerned about the risk of fraud.
Laws in many states offer minimal protections for a financial institution considering acceptance or rejection of a power of attorney document presented to it that may be fraudulent. An example of this risk is presented in a 1994 Illinois state court opinion, In re Estate of Davis, 632 N.E.2d 64 (Ill. App. Ct. 1994). In Davis, Citicorp Savings Bank (Citibank) was presented with a forged power of attorney that appeared to have been executed by the bank's customer, Mrs. Davis, naming her nephew as attorney-in-fact. Citibank relied on the forged document and allowed the nephew to access Mrs. Davis's account. He subsequently withdrew all of the account's assets. When Mrs. Davis's guardian later discovered the withdrawals, she brought an action against Citibank for breach of contract, negligence, and breach of fiduciary duty for permitting the unauthorized withdrawals. Citibank defended itself by relying on Section 802–8 of the Illinois Power of Attorney Act, which provided at the time that: "Any person who acts in good faith reliance on a copy of the agency will be fully protected and released to the same extent as though the reliant had dealt directly with the principal as a fully-competent person." Id. at 66.
The Illinois circuit court entered judgment against Citibank for the entire loss. On appeal, the appellate court held that Citibank was entitled to no protection under Section 802–8 of the Act when it relied on a forged power of attorney. This was true even though Citibank had actually received and relied on an original of the document. The court reasoned that when the power of attorney document was fraudulent, no agency was ever created, and "[i]n order to claim good faith reliance on an agency, an agency, as defined by the Act, must first exist." Id. at 66. It should be noted that the governing Illinois power of attorney statute has since been modified to protect a financial institution if it relies on a "copy of a document purporting to establish an agency." 755 Ill. Comp. Stat. 45/2-8 (2003). This new language should assist Illinois financial institutions and give them greater protection against the risk of fraud when considering acceptance of a power of attorney. But, while some states offer protection if a power appears valid on its face, other jurisdictions still maintain language in power of attorney statutes similar to the Illinois statute interpreted in Davis. As state laws may not protect against the risk of accepting a fraudulent document, a financial institution must protect itself through its own acceptance procedures. It may be reasonable to deny recognition of a power of attorney when the execution circumstances appear questionable.
Revocation of the Power of Attorney Document
A second risk facing the financial institution is that it may be presented with a power of attorney that has been revoked. Revocation of the attorney-in-fact's authority may occur through death of the principal, through incapacity of the principal (if the power of attorney was not durable), by express revocation by the principal, or through state statutes that revoke an attorney-in-fact's authority through operation of law (such as when a guardian is appointed). Although some revocations may not apply to acts permitted by the financial institution if it acts without knowledge of the revocation, a financial institution does not want to imperil the assets of its customer by accepting an agency document that no longer reflects its customer's intent.
Some financial institutions take the position that the passage of time alone may revoke the attorney-in-fact's authority. What may be surprising to some planners is that agency law, in some circumstances, does raise the possibility that the passage of time could revoke an agent's authority, depending on the principal's intent. Restatement (Second) of Agency § 38. But because many powers of attorney are intended to be operational only at some future time, it would seem that "staleness" alone should not cause revocation of an attorney-in-fact's authority.
Risk That the Attorney-in-Fact Will Exceed the Authority Granted in the Power of Attorney Document
The law of agency provides that a third party relying on an agent's powers is charged with knowing the extent of the agent's powers and is charged with enforcing any limitations on those powers. Restatement (Second) of Agency § 311. Two federal district court opinions dealing with the same facts, Grabowski v. Bank of Boston, 997F. Supp. 111 (D. Mass. 1997), 997 F. Supp. 130 (D. Mass. 1998), highlight the dangers to a financial institution that lurk in a power of attorney document. In Grabowski, the plaintiffs were depositors of Bank of Boston (the Bank), which had executed powers of attorney naming Mr. Epstein as an attorney-in-fact. The powers of attorney contained a provision that each applied to an account at the Bank that was "solely for the buying and selling of Prime Bank Instruments of Credit. [The] Account at all time shall contain cash and/or Prime Bank Instruments of Credit . . . in an amount of not less than the initial cash deposited." Id. at 116.
The Bank had established deposit agreements with the plaintiffs that stated that the Bank would act according to the plaintiffs' instructions. The Bank had also accepted the powers of attorney on the plaintiffs' accounts and maintained copies of them. Mr. Epstein, acting under the authority in the powers of attorney, withdrew "substantially all" of the assets—millions of dollars—from the accounts and absconded with the assets. No "Prime Bank Instruments of Credit" were placed in the account to replace the amount withdrawn.
When the plaintiffs realized that their attorney-in-fact had taken their money, they brought an action in federal district court against the named attorney-in-fact and against the Bank. They alleged that the Bank had violated the terms of the depositor agreements between themselves and the Bank, and that the Bank had allowed the attorney-in-fact to act beyond his authority. In denying the Bank summary judgment, the court's opinion stated that the acceptance of the power of attorney documents bound the Bank to administer the plaintiffs' accounts only in a manner consistent with the terms of the powers of attorney. The court found that "an implied contract for the handling of the plaintiffs' accounts" had arisen by the Bank's acceptance of the powers of attorney and that the terms of the powers of attorney acted together with the Bank's deposit agreements to bind the Bank. When the Bank paid out all of the assets of the account and did not withhold "cash and/or Prime Bank Instruments of Credit in an amount of not less than the initial cash deposited," the Bank had violated its agreement with the plaintiffs. The opinion concluded that " where, as here, a bank can easily ascertain whether an agent is exceeding his authority on the face of documents necessary to the transaction, it will be liable for the unauthorized transactions." Id. at 117 (emphasis added).
Compounding this risk is the interpretive principle that a document conferring agency on another must be construed narrowly. Restatement (Second) of Agency § 37. Under this rule, codified by statute in several states, a third party is generally not entitled to interpret ambiguous provisions in favor of allowing the agent to act for the principal. Case law also provides examples in which courts have rejected the attorney-in-fact's ability to take actions that were not expressly identified in the document.
These agency principles make it difficult for financial institutions presented with a power of attorney document to know what they should and should not allow when the document does not clearly address the request. The general language that is included in most powers of attorney "to do any and all things that I may do myself" may be helpful in discerning the general intent of the principal but may not be dispositive when considering the scope of the agent's authority. A financial institution may be within its rights not to permit the attorney-in-fact to take a requested action unless the specific authority to take such action is included in the power of attorney. One court has stated it simply: "A written power of attorney must be strictly construed so as to reflect the clear and obvious intent of the parties." Crawford Sav. & Loan Ass'n v. Dvornak, 352 N.E.2d 261, 264 (Ill. App. Ct. 1976). For this reason, it is critical that estate planners not rely on broad boilerplate grants of authority in powers of attorney if they want to truly plan in an effective way.
Risks in Not Accepting the Power of Attorney
Given the above risks facing a financial institution presented with a power of attorney, one wonders why it would recognize one at all. One answer is that if the financial institution unreasonably refuses to recognize a power of attorney, the financial institution faces risks from non-acceptance. Some state statutes require that a third party accept a reasonable and valid power of attorney. Section 709.08(11) of the Florida Statutes provides an example: "In any judicial action under this [durable power of attorney] section, including, but not limited to, the unreasonable refusal of a third party to allow an attorney in fact to act pursuant to the power, and challenges to the proper exercise of authority by the attorney in fact, the prevailing party is entitled to damages and costs, including reasonable attorney's fees." These statutes are based on the policy that a financial institution should not unreasonably fail to honor a valid power ofattorney.
Because these statutes contain a reasonableness standard, a financial institution that rejects a document based on reasonable acceptance and review guidelines should be protected from liability. In addition, the damages that would result from liability for non-acceptance would generally be different from those stemming from exposure for permitting an unauthorized person to access the account. For example, damages for an unreasonable failure to accept a power of attorney might equal the costs associated with the court appointment of a guardian in lieu of reliance on the power of attorney. Even without liability exposure, a financial institution's unreasonable failure to accept a valid power of attorney is not sound business policy. As stated above, many account owners intend that these documents be honored, and an unreasonable power of attorney rejection can lead to customer dissatisfaction.
Institutional Risk Mitigation Steps When Accepting a Power of Attorney
After considering the risks involved in the acceptance of powers of attorney, the financial institution must consider what steps are available to protect itself. The estate planner working with attorneys-in-fact should be familiar with these steps to facilitate document acceptance. The first step might be a requirement that only an original power of attorney document will be accepted. In some cases, a document may include a provision that a photocopy may be relied on as if an original, a provision that might be acceptable for some institutions. Others, however, may require an original document to protect against the fraud risk discussed above. A third group might ask for some type of certification by a notary or attorney that the copy presented is a valid copy of the original.
A second step may be requiring an attorney-in-fact to execute an affidavit stating that the power of attorney remains effective at the time it is presented. Under the Uniform Durable Power of Attorney Act, enacted in a number of states, the financial institution receives protection from certain risks, including the risk of revocation, if it has relied on an affidavit executed and submitted by an attorney-in-fact that declares that the power of attorney is still effective. The Uniform Act's affidavit, however, does not protect the financial institution against the risks presented by a power of attorney that is not valid for the requested specific transaction or by an expired power of attorney. In addition, the affidavit may not offer any protection in the case of a forged power of attorney.
A third mitigation step might be a requirement that an attorney-in-fact indemnify the institution against its exposure for acceptance-related risks. Because the financial institution accepts the power of attorney as an accommodation to its customer, it may ask for an indemnification to cover the risks that the attorney-in-fact may act beyond the scope of his or her authority or that the principal has revoked his or her authority.
A fourth step might be a review of the power of attorney document under pre-established guidelines to verify the scope of the attorney-in-fact's authority. By careful review under its own procedures, the financial institution can establish a reasonable process for screening out unacceptable powers. Because of the risks inherent in the document, the financial institution would be wise to scrutinize it before acceptance. This step may result in some delay in access to the account by the attorney-in-fact.
Finally, another step taken by many financial institutions is the provision of a standard form durable power of attorney for its customers. Obviously, when incapacity of the customer has already occurred, this form is offered too late. In addition, some planners may not be comfortable with use of the financial institution's standard "one size fits all" form. Financial institutions generally like their own preprinted forms, however, because they have drafted the document and are therefore familiar with the scope of the attorney-in-fact's authority.
Financial institutions have at times earned their difficult reputation for durable power of attorney policies. But many financial institutions are trying hard to accommodate their customers by taking a fresh look at these policies, even in the face of the significant risks that face institutions with every power of attorney that they accept. Consideration of the financial institution's perspective may make an estate planner better able to facilitate a client's wishes by drafting effective powers of attorney. This involves thoughtful drafting of the attorney-in-fact's authorized actions and consideration of the financial institution and types of accounts owned by your client. Taking steps in these areas at the time the estate plan is drafted can facilitate the later interaction between the client's attorney-in-fact and his financial institution at the time when it is most important for the client.
What Estate Planners Can Do
Remember the Financial Institution's Perspective
When working with a power of attorney, remember the balancing act faced by the financial institution and the risks that it faces when it considers accepting the document. Remember that the attorney-in-fact is not the financial institution's customer. Build in sufficient time for the financial institution to conduct its document review.Do not set the expectation when advising attorneys-in-fact that access to the principal's account will happen immediately.
Draft Both Comprehensive and Specific Language in the Document
When drafting, remember that general authority language is helpful, but it is not always sufficient to authorize specific actions. Specify with precise language any authority that the client believes may be necessary for the attorney-in-fact. Think prospectively about the types of accounts that your client may later own. Add specific language to reflect the client's wishes. For example, specific language generally must be in the document when the attorney-in-fact may want to execute beneficiary designations on the principal's behalf.
Backstop with Broad Authority, But Don't Rely on It
Backstop the document with broad general authority language. Although not sufficient by itself, broad general language can give additional comfort to the institution as to its customer's intent. In close interpretive cases, the institution may use broad language to permit a specific transaction.
Minimize Limitations That Make Acceptance Difficult
Powers of attorney that contain material limitations on the ability of the attorney-in-fact to act will make acceptance difficult. When drafting, minimize restrictions on the attorney-in-fact's ability to access, trade, or deal with the principal's assets. Examples of material limitations include expiration dates or events, restrictions on the attorney-in-fact's ability to act with certain assets (for example, "the attorney-in-fact may not trade my IBM stock"), or conditions that terminate authority that are outside the purview of the financial institution (for example, "my agent's authority shall last so long as I reside in XYZ Assisted Living Facility").
Plan Ahead When Drafting Springing and Joint Power Provisions
Certain provisions can cause problems if not carefully drafted. Springing powers of attorney generally provide that the authority of the named attorney-in-fact becomes effective only upon some event, typically the incapacity of the principal. Financial institutions recognize this provision, but the planner needs to draft the "springing" event provision so that it is absolutely clear to the institution what is required to prove incapacity (and thus the document's effectiveness). State in the power what documents a third party can rely on to know that the springing event has occurred. A financial institution that receives a springing power of attorney in which it is not clear exactly what it can rely on may reasonably refuse to recognize the power.
Similarly, planners should draft specific guidelines regarding succession. To state that a successor attorney-in-fact will act if the first named attorney-in-fact is "unable or unwilling to serve" can create ambiguities. Producing the death certificate of the first named attorney-in-fact shows that a successor has authority to act, but what about other situations? Is the successor's written statement that he can't locate the first named attorney-in-fact acceptable? Is an affidavit signed by the successor acceptable? What if the primary attorney-in-fact is incapacitated? The planner needs to make it clear how the financial institution can verify the identity of the acting attorney-in-fact.
Another common planning technique that may present difficulties is the use of joint powers that name multiple attorneys-in-fact to act unanimously. There are many good planning reasons for joint powers, but the financial institution needs to receive joint instructions for every instruction that it receives to recognize the authority granted under the document. For example, every securities transaction might need joint signatures, and this would create an administrative burden for a financial institution (and for the attorneys-in-fact) acting under a joint power. Planners should weigh the goal of facilitating efficient use of the power of attorney against the goals achieved through use of the joint power. In some cases, multiple attorneys-in-fact should be given individual rather than joint authority. Alternatively, the document could provide for delegation to one of the attorneys-in-fact by the others.
Consider the Client's Assets and How They Are Owned
Make sure that the principal's assets are owned in a manner that allows an attorney-in-fact to act on them. Certain account registrations may not accommodate powers of attorney. For example, if a power of attorney was executed by an individual to cover assets owned by that individual, a financial institution may not be able to recognize the attorney-in-fact's authority to act over an account with a trust registration.
Execute Multiple Originals
Because a financial institution may request an original document to help protect it against the risk of fraud, consider executing multiple originals of the power of attorney. When determining where the originals will be stored, consider security, ease of access, and how the document may be used.
Consider Re-execution of the Power of Attorney When the Plan Is Revisited
Agency law may provide that the authority of an attorney-in-fact will lapse because of the passage of time. In addition, the named attorney-in-fact may no longer be appropriate. The planner should review and re-execute the client's durable powers of attorney when the estate plan is reviewed. This will permit the planner to amend the document with new specific powers that the attorney-in-fact may now need. Add language to the power of attorney document that expresses the principal's intent that the lapse of time will not cause the authority granted in the document to expire.
Consider Use of the Financial Institution's Power of Attorney Form
After the estate planner has gone through the work of carefully crafting the document for the client, it may sound illogical to ask the client to execute a standard power of attorney form offered by the financial institution. It may be worth considering, however, to facilitate recognition of the attorney-in-fact's authority. Here, the planner will need to weigh the goal of customization against the goal of efficient use. As in much of estate planning, there is no "right" answer, and each client may have different objectives. If the planner does complement the power of attorney document with a financial institution's form, be sure to name the same attorneys-in-fact to prevent later disputes. The financial institution seeks certainty, and, if it is lacking, recognition of an attorney-in-fact will be more difficult.


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(Washington, D.C, USA)
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Open Thread: It Happened to You
This is your place to talk about the funny, sad, outrageous things that are happening in your life -- whenever you're ready.
Before my shift started at the restaurant where I worked, I changed into my chef "whites" as usual in the employee locker room located in the basement. The restaurant was always busy, which translated into a very hot kitchen. Due to all of the running I did in the heat, by the end of my shift I was usually soaked in sweat. I made it a habit to bring clean undergarments to change into before going home.
My sister had just given me a really cute set of cotton underwear with a red and green reindeer print. They were in a pocket on my backpack when I entered the locker room. When I headed upstairs to the kitchen, I assumed they were still there.
In the city where I lived, cooking professionally was dominated by men. Even though I had obtained certification from a recognized culinary school and had studied with some of the best, I had to work twice as hard as the men to get a fraction of the respect they received. To make matters more challenging, the place I where I worked was owned by a restaurateur who believed that women belonged in the dining room with the serving staff, not in the kitchen.
I got the job in the first place because despite the owner's overall attitude, the executive chef did not mind working with women. Most of the time, I was the only woman in the kitchen, surrounded by a bunch of men that did not think it was right for me to be there. They mildly harassed me on a regular basis, so I went above and beyond the call of duty to give them no reason to fault me in any way.
The day after Christmas, as I was setting up for the lunch crowd, the manager arrived and went straight to his basement office to get the cash drawer for the register. After a few minutes, I heard him coming up the stairs. I looked over just as he turned the corner into the kitchen.
On one arm he was balancing the cash drawer, but in his other hand, held high like a flag on a flagpole, were my reindeer undies.
I stopped in my tracks, feeling the heat rise up my spine and flare across my cheeks.
"Do these belong to anyone?" he yelled across the kitchen into the dining room. "I found them on the floor in the locker room."
OMG, I thought to myself, they must have fallen out of my pack when I wasn't looking.
I was about to snatch them out of his hand, but suddenly all the servers, the bartender, and the maintenance man filed in to see what the yelling was about. The manager was waving my cute little panties around like a cheerleader shaking her pompoms. He walked over to where the staff had congregated to give them a closer view. They examined the reindeer print and confirmed they were not the owner's.
I was mortified — so embarrassed I could not even speak.
The manager looked me in the eye accusingly and said, "Are you sure these are not yours?"
I shook my head awkwardly, lying. The underpants had been freshly removed from the packaging so there was nothing shameful about them as far as them being dirty. However, I could not bear the thought of claiming them and thinking that all the guys I worked with might wondering if I was wearing them under my uniform. It felt like an invasion of privacy, even if it was in my imagination. It would also undermine the effort I had put in to maintaining an immaculate employee record.
The manager headed over to a large trash can and announced with a smirk, "If no one claims them, then I will just have to throw them out."
He gave them a final airborne flourish and, with a flick of the wrist, dropped them into the trash. I had to hold back the tears that were threatening to squeeze out from the corners of my eyes. They were special to me because they were a gift from my sister. Inside my head I was screaming, Nooooooooo, not my Christmas reindeer underwear! I could not believe my boss had made such a big deal of it. Why didn't he just leave them on the floor? I wondered. I strongly sensed he knew they were mine and was looking for a way to humiliate me.
I consoled myself with the fact I still had a lot of work to do before the lunch hour. I decided to put it out of my mind and deal with the emotions later, but that was easier said than done. As I chopped and sliced, preparing the ingredients for the menu, each time I cleared my cutting board into the trash container, I came face to face with the reindeer print. It seemed the reindeer were staring woefully up at me from the garbage. It wrenched my guts all over again.
As the day went on, they became totally covered with trash. At the end of the shift, the dishwasher tied up the bag and hauled it through the back door. I watched sadly as my Christmas underwear got tossed into the dumpster. When I clocked out for the day, I had to drive away without them, furious with my boss and never admitting to him that they were mine.


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Full of charm, color, and very do-able decor, our next event is just the thing to get the creative juices flowing. This playful little bridal shower not only has me searching for an excuse to throw a party, it also makes me want to redecorate my dining room. Crafted and designed by City Cradle Design and photographed by Jackie Wonders, it just goes to show that you can totally transform what you love (and what you may already have on hand) into a super chic, fun affair.
{click here for more shower inspiration}
From City Cradle Design:
Knotted in love was the name we gave to a recent bridal shower celebrating the bond of love that is leading the couple into marriage. We took cues in designing the shower from knotted yarn and created a homespun afternoon to celebrate a lovely new marriage.
The centerpiece for the party was a chandelier made out of large balls roped in colorful yarn hung together with button filled ribbons from the ceiling. The balls are seen in smaller version throughout the table re-made as yarn flowers. The food table was back dropped by another colorful yarn creation complete with the word LOVE knotted within the layers. the table boasted goodies like chocolate dipped pretzels, cherry pops, scones and the fixings for our panini bar. We served vegetable panini's for our brunch meal made on a George Foreman Grill and wrapped in parchment paper. For drinks we served mimosas with adorable custom tag cocktail stirs and bottles of custom-tagged champagne.
The table for eating was set up low and each invitee received an bright and cheery old fashioned butter dish on their place as a favor stuffed with a raspberry chocolate surprise! A monkey's fist knot wrapped in pink yarn lay in the center of the table. On the other side of the room a bookcase was set up with a yarn spelling of the word LOVE, a custom made banner and a special gift for the bride-to-be. A package of white buffet napkins was purchased and each girl in attendance knotted into one napkin, using buttons, jewels and antique spools of yarn- stitching's were created to share our excitement and love for the brides new home. These unique creations were given to the bride at the end of the day as a special treat to pull out as she entertains as a Mrs. The vintage spools of thread were also used throughout the space and served as a great inspiration for the day. A few of them even held flowers as a vase display.
Photography: Jackie Wonders / Concept and Design: City Cradle Design / Click here for the DIY yarn flowers


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For nine weeks, the Chiefs were an unstoppable force, winning games in almost every way imaginable.
The defense, led by Justin Houston and Tamba Hali, sacked quarterbacks at a record pace, created a league-leading 20 takeaways and returned four interceptions and a fumble for touchdowns.
The offense, directed by quarterback Alex Smith was efficient, kept interceptions to a minimum, and let Jamaal Charles, the AFC leader in yards from scrimmage, do the heavy legwork running and catching the ball.
And the special teams were spectacular, returning a game-breaking punt for a touchdown, pouncing on muffed punts that triggered one win and preserved another, while kicker Ryan Succop and punter Dustin Colquitt dictated field position by pinning the opponents deep.
At 9-0, they were the feel-good story of the NFL, especially after coming off a 2-14 season marred by tragedy off the field and futility on the field.
Eventually, reality set in. A five-game run of playing backup quarterbacks and downtrodden teams ended. So did a relatively injury-free season when Houston suffered a subluxation of his right elbow two weeks ago against San Diego and offensive tackle Branden Albert hyperextended a knee last week against Denver.
Since that 9-0 start, the Chiefs have not won a game in more than a month.
With four games remaining, including three on the road, the Chiefs, 9-3, have reached a crossroads in their season, starting with Sunday's game at Washington, 3-9.
With a win at Washington, the Chiefs could clinch a wild-card playoff spot depending on whether Miami or Baltimore loses, and they'd still be no worse than a game behind Denver for the AFC West lead, though the Broncos own the head-to-head tie breaker.
A fourth straight loss, however, could send this team spiraling in a negative direction of historic dimension. No team has ever started 9-0 and missed the playoffs.
"That's the ebb and flows of the season in the National Football League," said coach Andy Reid, still a leading candidate for NFL coach of the year for making the Chiefs relevant again. "You're going to have highs; you're going to have lows. It's important that you stay consistent through both.
"You grow with every game … you get to look in their eyes and see what it's all about. You go through these tough losses, and on the other hand, I saw it with the tough wins, but the great part is that I don't see any flinch in these guys at all. There is a certain toughness about them.
"That's why they're right there in every game, the losses, they've stayed within striking distance, being right there. They're willing to learn and take coaching, hard coaching at times, and in the long haul, it will pay off for us in a good way."
During the nine-game winning streak, the Chiefs played on the edge, beating Houston 17-16 and Cleveland 23-17 in home games against third-team quarterbacks.
They were on the verge of falling behind 17-3 at Buffalo when Bills third-team quarterback Jeff Tuel missed an open receiver in the end zone, and his pass was intercepted by Chiefs cornerback Sean Smith, who returned the pass 100 yards for a momentum-altering touchdown, turning what could have been a two-touchdown deficit into a tie game.
Winning some of those games may have camouflaged some weaknesses. Losing the last three — at Denver, and to San Diego and Denver at home — have exposed shortcomings.
"Sometimes when you get your butts beat, that helps you," said inside linebacker Derrick Johnson. "That lets you know what you need to do better. Sometimes when you win, stuff isn't magnified … 'Oh, you messed up here, or you got out of a gap there …' but it's covered up because you won.
"But now that you've lost … there's a little more emphasis on what we did wrong."
During the nine-game winning streak, the Chiefs did not allow more than 17 points in any game, were a plus-15 in turnover differential and had 36 sacks. During the three-game losing streak, they have allowed an average of 34.3 points per game, are minus-1 in turnover differential and have managed just one sack.
"I think it was a unique three weeks," Alex Smith said. "We played Denver twice, and they're a good football team. Early in the year we had been in some close games, and that's going to happen in the NFL, the vast majority of games are going to come down to one possession.
"We were the team making the plays late in games … and these last three weeks we weren't able to get it done. We're 9-3 and have a chance to clinch a playoff spot this week. To me, how exciting that is, to go on the road and win a game and punch our ticket to the dance. … I don't think anyone needs to do anything crazy at all, just kind of continue to do what we have been doing."
While the Chiefs' defense has faltered the last three weeks, the offense has picked it up. The Chiefs scored a season-best five touchdowns in a 41-38 loss to San Diego, and Smith threw for season-best 294 yards against San Diego and 293 against Denver with seven touchdown passes and two interceptions in the last three games.
"We look at film, and there are lot of things we're proud of," said offensive tackle Donald Stephenson. "Nobody said we were going to go 16-0. Being 9-3 is not all that bad. We fought that Denver game until the end. We're proud of what we did. We just have to know, first quarter, second quarter, we have to fight like it's the fourth quarter.
"Every team has that point in the season when it's gut-check time. We're late in the season, we're in the fourth quarter of the season, and this team can do something special even after the three losses."
The Chiefs insist their confidence level is every bit as high in December as it was in September.
"We're not in a panic mode at all," said Johnson. "But the sense of urgency is there. That's every week, win or lose … and this week is very key for us to have a short-term memory because the last three games we lost, how we lost them …
"We pride ourselves on playing good defense. The last few weeks we haven't. It's clear on the film … we can do better."
Guard Geoff Schwartz, expected to make his second straight start at right guard, said: "If we don't make mistakes, we'll win games. The last couple of games we made mistakes, and we lose. The team that doesn't make mistakes, doesn't turn the ball over, tends to win."
Now, the schedule again turns in the Chiefs' favor. Three of the remaining four opponents — Washington, Oakland and San Diego — have losing records. The only exception is AFC South-leading Indianapolis, which visits Arrowhead on Dec. 21, in what could be a first-round playoff preview.
"What's important is these games are definitely setting yourself up for the road ahead," said outside linebacker Tamba Hali. "Playing three out of four away is really going to say how good of a team we are and how we can handle adversity when we get on the road."
Assuming the Chiefs can take advantage of the upcoming favorable matchups, they can clinch a playoff spot by getting to 11 wins, no matter what anyone else does.
It would mark the Chiefs' return to the playoffs for the first time since 2010.
"We're still 9-3," Charles said. "Don't make it seem like we're 3-9. Our goal is to make it to the playoffs. Once you get there, it's anybody's game. When we first made it to the playoffs (in 2010), we had so many young guys that didn't know what to do, we had no real leaders on that team.
"Now, if we get there, we'll know how to be effective … let's get there first…"


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And the celebration starts
By Nelson C. Bagaforo
DABAWENYOS gear up for weeklong celebration as Kadayawan sa Dabaw 2008, touted as the Festival of Festivals, kicks off Monday, this time giving focus on the life and culture of indigenous peoples who have made Davao as their homeland.
With the theme: "Musanay Lumadnong Kagikan, Yutang Kabilin Panalipdan!" (Flourishing Indigenous Heritage, Protecting Ancestral Nations), this year's celebration focuses on two main components that showcase the indigenous peoples' culture and arts and its impact to contemporary artists and communities.
These are all depicted in the series of events that go with the celebration including the most anticipated Indak-Indak sa Kadalanan (street dancing) and the floral float parade, two of the festival highlights.
One component of the festival, the Lumadnong Kasaulogan (Indigenous Peoples Festival), the core of the Kadayawan Festival, showcases the culture and arts of the 10 focused tribal groups in Davao City. They are the Ata Manobo, Bagobo Tagabawa, Ubo Manobo, Matigsalog, K'lata (Guiangan), Maranao, Maguindanao, Tausug, Sama and the Kalagans.
This festival component is consist of the following major events:
KA-AN MINDANAO (Indigenous Food Fiesta) — August 18-23 at the Rizal Park. The 10 Tribal groups of Davao will display indigenous cuisine as an important part of their way of life.
LUMADNONG GAMA (Indigenous Peoples Trade Fair and Exhibit) — August 18-23, Rizal Park. Indigenous crafts and crops will be on sale attesting the tribal peoples' productivity and age-old creativity.
LUMADNONG BANTAWAN (Indigenous Peoples Performance Showcases)— August 18-21, Rizal Park and Peoples' Park. This activity involves tribal mass wedding on August 19, Rizal Park, performance showcases of dance, songs and other ceremonies fit for public performances of the 10 focused Davao tribes.
TUGTOGAN SA KAHIUSAHAN (Mindanao Indigenous Peoples' Music Festival) — August 22 at the Rizal Park, Peoples' Park, and Victoria Plaza Mall.
During this event, indigenous music virtuosos from all around Mindanao will be invited to an interactive music performance of various gong percussions, string and wind instruments in public spaces, showcasing the Indigenous Peoples' harmony with themselves and Mother Earth.
HIYAS SA KADAYAWAN (Search for the Kadayawan Gem) — August 20 at CAP Auditorium. This is a search for the indigenous woman who, up until the present is knowledgeable of her indigenous culture and wisdom through a pageantry of Mindanaoan myths and legends. The Hiyas sa Kadayawan Culture and Arts-based project will be launched during their reign.
The other component, the Subay sa Lumadnong Kagikan (Contemporary Indigenous-motivated Celebrations), on the other hand, showcases the impact of the indigenous culture and traditions to contemporary artists and communities.
Under this component are events that pay tribute to the rich indigenous heritage through art forms in music, dance, fashion and floral designs, street dancing and floral float parade. Some events to showcase Davao's gem — the Davao River and Museo Dabawenyo.
This component of the festival consists of the following highlights:
HULAGWAY SA KALIWATAN (Indigenous Peoples Visual Arts Exhibit & Photo Contest) — August 18-24, 9 a.m.-6p.m., Museo Dabawenyo.
Mindanao Indigenous Peoples together with outstanding Dabawenyo Visual Arts groups and individuals are featured in a Visual Arts Exhibit featuring indigenous life ways at the Museo Dabawenyo.
The Kadayawan Photo Contest will also be conducted and will be exhibited at Museo Dabawenyo after the festival.
TUNOG MINDANAW (World Music Festival) — August 19, 6 p.m., NCCC Mall of Davao. This is a competition of popular yet Mindanao tradition-based music open to all Mindanaoan composers and songwriters.
MODA MINDANAW (Fashion and Floral Design Competition). On August 22, 6 p.m. at The Venue, fashion designers and floral artists will compete in a fashion and floral design extravaganza of indigenous-inspired silhouettes, Mindanoan fabrics, and floral accessories.
DAWOW: TUBOD SA KASAYSAYAN (Davao River Festival) — August 22, at 2 p.m, Davao River. Dawow is the indigenous name given to the Davao River, the source of the early beginning of Davao. The celebration is a call for all Davaonos to take care of the Davao River.
Water-based competitions such as kayaking, banca race and river float showcase and music concert are among its featured activities.
SAYAW MINDANAW (The Mindanao Dance Competition) — August 22, 6 p.m., SM City Davao. This is a competition of Mindanao myths, legends and folklores transformed into dance narratives by Mindanao-based dance groups.ÿ Outstanding dance critiques and choreographers will interact with the Mindanao choreographers during dance evaluation and citation. A video will be produced to document the event.
INDAK-INDAK SA KADALANAN (Street Dancing Competition and Mindanao Festival Showcases) — August 23, 8 a.m., Streets of Davao. The Indak-Indak sa Kadalanan has three components: Davao-based contingents will compete in the street dancing interpreting the Kadayawan Festival of Thanksgiving, the nine Indigenous Tribes of Davao will showcase the richness of their indigenous dance and music while Indak-Indak contingents from key cities and provinces of Mindanao will be invited to showcase through street dancing their respective festivals.
PAMULAK KADAYAWAN (Floral Float Parade and Competition) — August 24, 8 a.m., Streets of Davao. The grand finale of the Kadayawan sa Dabaw Festival, the showcase of the blooming of flowers and ripening of fruits in floral floats parade and competition.
KALASIKAS (Contemporary Music and Dance Concerts at the Parks) — August 24 3 p.m., Rizal and Peoples Parks. Outstanding Davao music and dance groups perform at Rizal and Peoples' Park their music and dance creations as inspired by indigenous cultural expressions.
August 8-19, 2007
Theme: "Lumadnong Kagikan, Mabungahong Kinaiyahan, Gasa sa Kahitas-an"
Calendar of Events
|Hudayakaan sa Kadayawan Food and Music Fiesta
August 3-19 (4 p.m.-12 mn, NCCC Mall Parking Area)
August 8 (4 p.m., San Pedro Catheral)
|Kadayawan sa Dabaw Festival Formal Opening
August 8 (5:30 p.m., Centennial Park)
|Mango Festival
August 8-10 (9 a.m.-6 p.m., NCCC Mall Activity Center)
|Kalingawan sa Kadayawan
August 8-19 (5 p.m.-2 a.m., SM City Davao Parking C)
|Agro Industrial Trade Fair
August 8-23 (10 a.m.-10 p.m., SM City Davao)
|Davao Association of Colleges and Schools Cultural Presentation
DepEd Cultural Presentation
Tingog Kadayawan World Music Festival
August 9 (8 a.m.- 12 noon, Rizal Park);(1-5 p.m., Rizal Park);
|Cultural Celebration: Tagabawa Tribe
August 10 (8 a.m.-5 p.m., Rizal Park)
|2nd Mindanao Travel and Tour ExpositionTraveller's Cup Open Shooting Competition
August 10-12 (10 a.m.-9 p.m., SM City Davao);
|Cultural Celebration: Ovu-Manuvu Tribe
August 11 (8 a.m.-5 p.m., Rizal Park)
|Cultural Celebration: K'lagan Tribe
Jollibee Davao Fun Run
Flight of the Eagles Caravan for Environment
August 12 (8 a.m.-5 p.m., Rizal Park);
|Cultural Celebration: Tausug Tribe
Kadayawan Fiesta Bazaar '07
August 13 (8 a.m.-5 p.m., Rizal Park);
|Canon Kadayawan Photo Contest
August 13-19
|Cultural Celebration: Sama Tribe.
Kadayawan Roots, Arts and reggae Festival
August 14 (8 a.m.-5 p.m., Rizal Park);
|3rd Waling-waling Cup-Floral Arrangement Workshop & Competition
August 14-15 (Waterfront Insular Hotel)
|Cultural Celebration: Maguindanao Tribe
Indigenous Peoples' Food, Craft and Literature Festival
August 15 (8 a.m-5 p.m., Rizal Park);
|Sayaw Mindanaw–Isang Pagpupugay
August 15-16 (8 a.m.-5 p.m., CAP Auditorium)
|5-Stag Derby
August 15-18 (Aquino Coliseum, Cabaguio Avenue)
|Cultural Celebration: Maranao Tribe
Davao River Festival
Forum on Indigenous Peoples' Education
August 16 (8a.m.-5 p.m., Rizal Park);
|Ikebana International Flower Exhibit
August 16-18 (9 a.m.-9 p.m., NCCC Mall Activity Center)
A thanksgiving festival celebration bountiful harvest features parade, indak-indak sa dalan, cultural presentation etc.
July 5- July 7 | Island Garden City of Samal
|Cultural Celebration: Ata Tribe
Durian Festival Opening
Performing Dabaw: Homage to Home-grown Artists
Republic of Davao: The Reggae Combo
SK Midnight Fun Run
August 17 (8 a.m.-5 p.m., Rizal Park); (LandCo Compound);
|Medsa Mayor's Cup — An Invitational Golf Tournament; Durian Festival
August 17-18 (LandCo Compound)
|1st National Dog Ultimate Challenge
August 17-19 (Damosa Gateway, Market Basket)
|Indak-indak sa Kadalanan
Daghang Salamat Dabaw! An NCCC Kadayawan Celebration
August 18 (8 a.m. onwards, major thoroughfares);
|Floral Float Parade
August 19 (8 a.m.-12 noon, major thoroughfares)
|Lumad: Celebrating Indigenous Wisdom and Creativity
Post-Kadayawan Activities:
|Trade Exhibit — Organized by the Peace and Equity Foundation; Launching the Badjao products of Basilan.
August 30-September2


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Mesut Ozil Must Show Arsene Wenger Was Right Not to Sign Cesc FabregasAugust 22, 2014
After his majestic debut for Chelsea against Burnley, Arsenal fans could be forgiven for casting jealous glances towards Cesc Fabregas. Seeing him parade around the pitch in Chelsea blue is a strange sight for Arsenal supporters who watched him grow up a Gunner.
The way things have panned out rankles with huge swathes of the Arsenal fanbase. Fabregas' availability was the worst-kept secret of the summer. Barcelona were entering a rebuilding phase, and selling off the midfield schemer was a surefire way to generate funds. Arsenal were the beneficiary of that remodelling process when they took Alexis Sanchez from the Nou Camp to the Emirates Stadium.
However, in the case of Fabregas, Arsene Wenger decided not to act. Arsenal had a "first option" agreement on their former player, enabling them to jump the queue to secure his signature. Nevertheless, Wenger turned up his nose.
Watching Fabregas' glorious assist at Turf Moor, he might have been given cause for reconsideration. Instead, Wenger has remained stoic. Speaking to ESPN, he said:
I have no regret about that at all. My regret is that he left us.
It was strange [seeing Fabregas play for Chelsea], but you have to accept that professional players move from club to club.
It was difficult for him to leave us, but after that you accept he can move to some different clubs. Of course it was a bit strange, but he had a good game.
Perhaps Wenger's sense of security comes from the presence in his squad of a certain Mesut Ozil. Ozil must have been a huge factor in Wenger's decision not to sign the Catalan playmaker.
Had Fabregas become available a year earlier, Wenger might have opted for the Spaniard over the German. There would have been obvious advantages to bringing him back: He is an iconic figure at Arsenal and knows both the club and the league inside out. No period of adaptation would have been required.
However, at that time, Barcelona still wanted to keep hold of Fabregas. Instead, Wenger moved for Ozil. Having invested more than £40 million and a year of development, it would make no sense to jettison that project.
In signing the likes of Sanchez, Wenger has indicated that he is building a squad around Ozil's strengths. All possible resource is going into getting the best out of the mercurial midfielder.
Recruiting Fabregas to play alongside him might have cramped Ozil's style. Ozil is at his best when he has the full belief of his manager. Choosing him over Fabregas is effectively an enormous vote of confidence.
That in turn creates pressure on Ozil to perform. Having been anointed as the man Wenger wants to build a team around, he must deliver. Ozil returns to the Arsenal squad this weekend, and expectation will be high. If his performances dip, and Fabregas continues to impress at Chelsea, critics will undoubtedly circle.
However, Ozil has the talent to avoid such scrutiny. If he keeps his head and his fitness, there is no reason this can't be his season. Come May, Wenger's decision to put his faith in Ozil rather than Fabregas could look very wise indeed.
James McNicholas is Bleacher Report's lead Arsenal correspondent and will be following the club from a London base throughout the 2014/15 season. Follow him on Twitter here.


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tutorials & features
FUJIFILM'S New Zoom Goes Wide, Then Long to Stay with the Action
HA18x5.5 offers 18x Zoom from 5.5MM at the Wide Angle To 100MM on the Telephoto End
Last Updated: April 3, 2014 5:24 pm GMT
(Wayne, New Jersey--April 3, 2014) The Optical Devices Division of FUJIFILM North America Corporation will introduce its HA18x5.5 HD zoom at the annual NAB 2014 convention, held in Las Vegas, starting on April 7th.. The company will exhibit in NAB Booth #C7025.
The Premier Series HA18x5.5 offers 18x zoom from 5.5mm at the wide angle to 100mm on the telephoto end to capture images for a versatile range of scenes. It features high-precision large-diameter aspheric elements, designed with Fujifilm's proprietary cutting-edge optical simulation technology, achieving sharpness at the center as well as all corners to deliver edge-to-edge premium image quality.
"Our customers have been looking for a lens that's capable of shooting very wide but also at long range," explained Thom Calabro, director of Marketing and Product Development for the Optical Division of FUJIFILM. "Sports producers looking for a lens that can go wide and still follow the action will want to check out this lens at NAB. It's also a solid all-around lens that can shoot interviews and other applications typical for a standard telephoto lens."
With the HA18×5.5, the operator can get as close to the subject as a minimum distance of 40cm. With the use of the built-in 2X extender, the focal length on the telephoto end can be extended to 200mm. These features accommodate a broad range of scenes to dramatically improve usability in a variety of shooting environments including live news, sports and dramatic program production.
The lens also has built-in digital servodrive units for zooming and focusing. Its ergonomic design reduces the weight for camera operators working handheld. Equipped with a 16-bit encoders,which outputs focus and other lens data at high resolution, enables compatibility with various systems such as a virtual studio programs and combining CG with live footage.
The HA18x5.5 will be available in late June of this year.
This year also marks FUJIFILM's 80th anniversary, and 40 years for the Optical Devices Division, formerly known as FUJINON, in the U.S.
About Fujifilm
FUJIFILM North America Corporation, a marketing subsidiary of FUJIFILM Holdings America Corporation consists of four operating divisions and one subsidiary company. The Imaging Division provides consumer and commercial photographic products and services, including: photographic paper; digital printing equipment, along with service and support; personalized photo products; film; and one-time-use cameras; and also markets motion picture archival film and on-set color management solutions to the motion picture, broadcast and production industries. The Electronic Imaging Division markets consumer digital cameras, and the Graphic Systems Division supplies products and services to the graphic printing industry. The Optical Devices Division provides optical lenses for the broadcast, cinematography, closed circuit television, videography and industrial markets, and also markets binoculars. FUJIFILM Canada Inc. sells and markets a range of Fujifilm products and services in Canada. For more information, please visit
go to
to follow Fujifilm on Twitter, or go to
to Like Fujifilm on Facebook. To receive news and information direct from Fujifilm via RSS, subscribe at
FUJIFILM Holdings Corporation, Tokyo, Japan, brings continuous innovation and leading-edge products to a broad spectrum of industries, including electronic imaging, digital printing equipment, medical systems, life sciences, graphic arts, flat panel display materials, and office products, based on a vast portfolio of digital, optical, fine chemical and thin film coating technologies. The company was among the top 10 companies around the world granted U.S. patents in 2012, and in the year ended March 31, 2013, had global revenues of $26.7 billion*. Fujifilm is committed to environmental stewardship and good corporate citizenship. For more information, please visit
* At an exchange rate of 83 yen to the dollar.
More News From FUJIFILM North America Corporation »
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Spicy Shrimp Fry
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Author Notes: Learn how to make this quick and easy yet super delicious spicy Shrimp fry. You can adjust the spice level to your taste to make it more spicy or keep it mild.
340 gms Raw Shrimp
Salt (Per Taste)
2 tbsp oil for cooking
1 tsp cumin pwd
1 tsp coriander pwd
1 small green chilli
1 cup chopped onions
1/2 tbsp ginger garlic paste
1/2 tsp red chilli pwd
1/2 tsp turmeric
For Garnish
2-3 tbsp chopped coriander
2-3 tbsp chopped green onions
1. Coarsely ground cumin and coriander seeds to have masala pwd
2. Heat Oil in the pan. Add green chilli, onions and ginger/garlic paste
3. Mix well and add salt and turmeric
4. Let onions cook for 2-3 mins.
5. Add Masala pwd, red chilli pwd and shrimp. Stir all the ingredients together and let shrimp cook.
6. After about 3-4 mins, once shrimp is done, add cilantro and green onions and mix well.
7. Serve hot with fried rice.
—Aditi Jasra
Serves: 2-3


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Harvest Date September 17th
Growing Season 2013 was a phenomenal growing season in just about every way. A warm, dry spring led to early bud break, limited canopy vigor and berry size, and created ideal conditions through bloom and fruit set. An abundance of long sunny days, with only one heat spike in early July, resulted in even ripening and an early harvest with exceptional flavor development. The 2013 vintage offers very high quality wines that are striking in their balance and expression.
• Hand harvested at night
• Whole cluster to press, cold
• Barrel fermented, indigenous yeasts, 5 months to completion
• Spontaneous malolactic fermentation concurrent with alcoholic fermentation
• Aged 15 months in French oak barrels, 70% new
• Coopers: François Frères, Cadus, Damy, and Louis Latour
• Aged sur lies with biweekly bâtonnage
• Unfined and unfiltered; bottled January 2015


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Beat the eggs in a large bowl until foamy. Heat the olive oil in a large nonstick ovenproof skillet over medium-high heat. Add the ham, bell peppers, onion, 1/4 teaspoon salt and a few grinds of pepper. Cook, stirring occasionally, until the vegetables are tender and starting to brown, about 6 minutes; add to the bowl with the eggs.
Preheat the broiler. Wipe out the skillet and return to medium-high heat. Melt the butter in the skillet, then add the frozen hash browns in an even layer. Cook, pressing the hash browns into the bottom and up the side of the skillet with a spatula, until golden on the bottom, about 6 minutes.
Pour the egg mixture over the hash browns. Transfer the skillet to the broiler; cook until partially set, 3 to 5 minutes. Sprinkle the cheese and all but about 2 tablespoons scallions over the eggs. Continue broiling until the cheese melts and the eggs are set, 2 to 3 more minutes.
Loosen the edge of the omelet with a small spatula. Slide onto a platter and fold in half. Cut into wedges; top with the reserved scallions.
Photograph by Justin Walker
Courtesy of Food Network Magazine
Check Out Our
Get a sneak-peek of the new Food Network recipe page and give us your feedback.See it Now!


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DULUTH, Ga. — Kentucky is learning something that all good horror flicks have illustrated for years — that a two-headed monster is far fiercer than the single-headed sort.
In this case, that two-headed beast for the seventh-ranked Cats was point guards Jennifer O'Neill and Janee Thompson, who raced and rushed past Vanderbilt in the Southeastern Conference quarterfinals on Friday night.
"One of the best games they've had as a tandem," UK Coach Matthew Mitchell said afterward. "I thought they were pretty relentless with pushing the basketball. That was something we wrote on the board before the game, that we wanted to be relentless in this game. ... We wanted to make pace a factor."
Thompson and O'Neill were helpful with more than pace. The duo combined to score 15 points, hand out five assists and grab two steals.
When O'Neill was getting treatment this morning, the starter said a visit from Thompson told her this was going to be a special game for the two of them. She saw some confidence in the freshman.
"We know what we have to do for our team to be successful," O'Neill said. "This team goes as we go, and if we're not pushing the tempo, they're not going to run. We just understand our roles, and we have the same common goals."
Mitchell also sang the praises of another dynamic duo, post reserves Azia Bishop and Samantha Drake.
Drake matched her season high with nine points. Bishop added nine points and five rebounds.
"I just thought they played beautifully," Mitchell said of Drake and Bishop. "It was probably their best game, too, as a tandem. We got tremendous production from them. It's a great luxury for us to have right now."
Cats get shot at Georgia
Kentucky advanced to its third straight SEC Tournament semifinal, and it will meet No. 12 Georgia, a team that ended the Cats' 34-game win streak at Memorial Coliseum on Feb. 3.
In that game, the Bulldogs came from 13 points down to upset the Cats 75-71.
The top four seeds advanced to Saturday's semifinals. Tennessee and Texas A&M will meet in the first game, followed by Kentucky versus Georgia. The games start at 4 p.m. and will be shown on ESPNU.
Numbers and notables
■ It was UK's sixth straight win over Vanderbilt, a school that had dominated it previously, winning 22 of 23 games over the Cats from 1992-2009.
■ Kentucky gymnast Jenny Hansen was honored as an SEC legend on Friday night. The eight-time NCAA champion was introduced and given a commemorative clock before removing her black stiletto boots and doing a back flip at midcourt.


text:
Improving Power Outage Response
Posted: 08:59PM
Author: Guest_Jim_*
At times it does seem like the release of science news is coordinated to align with other news items, such as the recent storm that started as Hurricane Sandy. As this news comes from Germany, and not the US, I suspect it is just a coincidence. Researchers at Fraunhofer-Gesellschaft have recently devised new software tools for responding to power outages, in an effort to better coordinate limited resources.
It is worth remembering that not only the public but the responders trying to restore power that suffer from blackouts. For example, outages can impact their ability to access fuel, so it is important to decide who should go where so the fuel spent traveling was not wasted. The complexity of the situation though can be so great that programs like Excel can reach their limit when dealing with rapidly changing data. This is why the researchers have developed a new platform to better deal with the information so the efforts of multiple teams can be well coordinated. Part of how the software does this is with role-based checklists that guides not only one's actions but also who needs to be coordinated with at other locations.
Before this software, the responders would rely on paper checklists, which definitely work well in a blackout, but left out cross-organizational information. The researchers also added a glossary to the system, because different organizations, such as fire and police departments, may use different terminology.


text:
Ireland Combined SIG
A useful, worthwhile day. A word of thanks to Christine not only for her excellent presentation but for agreeing to follow up an item of interest for me in an email. Many thanks.
This combined SIG meets annually in Dublin and the offering for users comprises of SIGs, presentations in our Conferences and an extensive online library including publications and fortnightly ebulletins.
Is this Special Interest Group (SIG) for me?
The Ireland Combined SIG is aimed at customers and practitioners based in Ireland who work with Oracle's range of:
- Business Analytics: Business Intelligence (BI), Enterprise Performance Management (EPM).
- Big Data: Data Integration Solutions (DIS), Data warehousing (DB and DW) and Engineered Systems.
- Cloud - All Aspects of Oracle Cloud solutions that relate to BA & BIG Data.
- Technologies from Oracle Database; Design; Development and Middleware.
What does this Special Interest Group (SIG) offer?
The SIG welcomes both technical and business-orientated presentations, and each meeting will aim to contain a mixture of customer case studies, technical tips and techniques, new product information and overall group discussions on Oracle's products and strategy.
Aims & Objectives
- Promote best practice of BA & Big Data on Oracle in Ireland
- Allow database administrators to share knowledge, advice and experience, through formal presentations and informal discussion at regular meetings.
- Discovering novel and innovative practices and techniques
- Providing support to it members to accelerate mutual success
Benefits of being involved
- We work closely with Oracle and other third parties as new products are released
- We provide advance details, hints and tips, and product demonstrations at our regular SIG meetings.
- This SIG aims to help members with product and support issues, holding workshops and promoting communications between Oracle and the SIG community.
- Access to the best Tech skills in the marketplace
- Access to Oracle representatives
- Access to Partners and their solutions
2017 SIGs:
Get involved
Interested in presenting or joining the committee?
Find out more about presenting and how to engage with this group and UKOUG here.
Are you a partner? Are you looking for ways to support UKOUG?
Visit our Partner Area for further information or contact Kerry Stuart on +44 (0)20 8545 9685.
Ireland Combined SIG committee:
Tony Cassidy, Vertice
Brendan Tierney, Oralytics
Uli Bethke, Sonra
Simon Holt - ESB
Oracle Liaison - John Caulfield
UKOUG Project Manager - Charlotte Willie


text:
|image source
- By age two, the child can understand ~300 words
- This number triples by age three
- A four year old understands 2/3-3/4 of the words he will use in future daily life
- Once a child can talk, he will add on average 10 new words a day
|image source
As a former kindergarten teacher, can I also add that another important thing to work on with your child is unfastening/fastening pants for restroom. :) or use elastic waist garments. Teachers are limited to how they can help children in this area, and I don't think it's something all parents think about.
I really need to get a copy of that book, though!
Iam looking for the website you had on here before that the lady did a letter a week and had all the books to read that week. She used a corkboard to put letter of week on it and pictures of things that started with that letter. I cant seem to find it anymore. Thank You
Jessie, great point about the pants! I hadn't thought of that.
is it this one?
yes it is the one. Thank you so much.


text:
Tuesday, May 1, 2012
Tip For Tuesday: Stepping Out of Your Comfort Zone
20 comments:
Great advise! Exactly what I needed to hear today! Thanks! :DReplyDelete
- AnonymousMay 1, 2012 at 9:32 AM
um I LOVE THIS video..you basically explained the story of my life from doing ONLY CARDIO and being afraid of looking like an idiot in the weight room...to just finding my own inner confidence and branching out! now weights are my LIFE! i love learning new things and i LOVE the fact that not only am i confident and do not care at ALL what people think...but that i am pretty sure that when I am in the weightroom and people stare its because i look like a boss and know what I am doing!! hahahahaReplyDelete
love you<33
Loved this video! I am exactly the same way. I had/still have a huge fear of the weight room as well. Especially at school, I feel like I am the only girl in there and I feel like everyone's wondering what I'm doing in there and staring at me. I now actually go INTO the weight room with my boyfriend (haha you too), but I still get plenty nervous about it!ReplyDeleteReplies
Just keep with it, it will get easier!! :)Delete
- AnonymousMay 1, 2012 at 10:01 AM
Make a plan for your gym visit and review the bodybuilding.com videos to see how to do each weights exercise. If you're still unsure about something it's ok to ask. I think most people are happy to help you out because it's a compliment to them that you're asking. Put on some music and pretend you're the only one there until you start building up your confidence. There are only a few women at my gym who work with weights besides me but I wish more women would venture over. Trust me...it feels great to see just how strong you really are and burn even more calories in the process!! In the beginning I would have my boyfriend just stand next to me because it helped me feel less worried and embarrassed. It's like anything...if it's new and unfamiliar it's going to be a little scary but once you get the swing of things you're golden. People will start asking YOU questions and you'll gain both muscle and confidence.ReplyDelete
Thank you so much for the tips!! This motivated me for my workout for later today. and yeah that's what I did too at first! IT helped just to have him near me so you dont feel so on your own. Now we do the same workouts :) Thank you!!ReplyDelete
- AnonymousMay 1, 2012 at 10:53 AM
I have to admit that training with my trainer has increased my confidence tremendously. I think I've gained enough knowledge "following" her around and working out with her that I feel confident in what I'm doing. Like most women, I steered clear of the weight area b/c it was drowning in men. Now, I walk right into the area, go for my machine, and do what I have to do. I still get looks from men, but I tend to read them as more positive now. Yeah, look at me. I'm in here. So what?ReplyDelete
BTW...I have no idea how to change the still image YouTube chooses.
Great video. I love seeing other women in the weight room. The gym I go to now is actually full of really strong women, more than other gyms I've belonged to in the past. You gave great tips about looking up an exercise before you do it. I always have a written workout plan and feel confident about how to be safe doing it.ReplyDelete
I used to be SO scared to go in the weight room. I would either take fitness classes or cardio only. The fitness classes were good, but there's just something about the free weight area. Now I kind of like being the only girl, haha! :DReplyDelete
I was totally in the same boat. I used to do hours of cardio a week and never saw any change in my body. Lifting has totally changed the way I look. I'm pretty much the same size, and I don't see that changing too much because I'm pretty small, but I can't believe how different I look after just 3 months. I've leaned out and can see my abs for the first time in my life.ReplyDelete
Also, Bodybuilding.com has an app that you can look up exercises too. I use it on my phone when I get to the gym and I forgot what the exercise was on my notes.
Love your blog Brittany, keep it up. It's so inspiring to see another small girl lifting big.
- AnonymousMay 2, 2012 at 2:50 AM
Brittany, you are such an inspiration! Thank you for your wonderful blog - you must give up so much of your personal/free time to give your helpful advice. I don't know if you have already blogged about this previously, but if you have any advice on convincing/encouraging/forcing (lol) a significant other in eating clean I would gladly take it! The only thing preventing me from eating clean right now is that my partner isn't really interested - despite all the amazing before and after shots from the LiveFit trainer (he thinks he is fine the way he is). We cannot afford to eat different things so I can't start to eat clean unless he is willing to change as well..ReplyDelete
Also, my partner does say it is possible to change the still image youtube selects. He says to click your user name, go to video manager and scroll down to the video you want to change, then click edit. Hope this helps! :)Replies
Lots of questions about this lately... give me a little while and I'll think about the best way to answer this :)Delete
I love that you will actually talk about this problem girls have. I hate when the men stare at me while I lift, it makes me feel like im doing something wrong. My husband helps me a lot and if it weren't for him I probably would still be a cardio bunny. I figure if they are going to stare at me cause im a girl then I might as well look as much like a girl as I can...ie pink shoes, pink&white lift gloves, cute matching exercising clothes.ReplyDelete
"Get a good look boys, cause I'm here to stay."Replies
Woo hoo! Awesome attitude!!Delete
- AnonymousMay 3, 2012 at 10:29 AM
I just wanted to say thanks for this, it was perfectly timed and it gave me the boost of confidence that I needed. I've been going to the gym for 2 weeks now and only using the machine weights, last night I took a deep breathe and went into the free-weights section with all the big boys. Yes I got some looks and yes I was pretending I didn't notice, but soooooooooo glad I finally plucked up the courage - they'd better get used to seeing my face in there :DReplyDeleteReplies
Of course! If I can help just one person, it's worth it!Delete
I was pretty much a cardio bunny as well and shed lots of weight but I knew that lifting weights is where I would see the most transformation. I stuck to lifting light weights in my house with DVDs because I was afraid to go to a gym. Then I found LIVEFIT trainer and knew I had to get the courage to start lifting. I decided that I could take a baby step and sign up for a gym at my local community center until I was confident enough to go to a commercial gym. I am pretty much the only girl that uses free weights at my gym. I just go in, put on my headphones and gloves and I tune everyone out. I get stares but I just try to stay focused.ReplyDelete
Unfortunately I don't have a boyfriend, trainer or husband to show me how to lift so I heavily rely on bodybuiling.com to educate me on proper form. I am now addicted to weight training and can't wait to see what I can accomplish. :)
Your blog is amazing. Thanks for all the great tips.
THANK YOU so much for posting this...every post, you have helped me so much. This one in particular as I've struggled with making the jump from cardio only to weights. I bust my a$$ doing so much cardio, but I look at the people that do cardio only and don't like their bodies. So, why would I mimic what they do? I see girls that incorporate weights and love how lean & cut, healthy & fit they look, and have been thinking I need to change my routine to get the body effect I want.ReplyDelete
I feel the exact same way you did, I'm worried about everyone watching me at the gym, worried that guys will come up and try to help because I look stupid & in need of help, and scared to step out of my comfort zone of the cardio equipment that I could do with my eyes closed lol! You are an inspiration, and thank you again so much for your advise!
Also, don't worry about your stills on youtube, you are beautiful no matter what your still is!! :)
- Sara D.May 10, 2012 at 12:41 PM
I think this is so much more common than a lot of people realize and I can 100% relate! This is EXACTLY what I went through when I first joined my gym. For this 1st year I did cardio every single day and occasionally ventured over to the weight machines but NEVER over to the free weights bc I was so intimidated, not only as a girl but as a girl who had NO experience lifting. I felt like everyone would look at me and think I was an idiot bc I didn't know what to do or if I would be doing it right. Then I started to research the exercises I wanted to try and I became determined to do them bc I truly wanted to better myself and that eventually trumped my fear of what everyone thought. Of course that first time wandering over to the free weights was scary as hell, especially since at my gym, you VERY rarely ever see women in that section, but I just got myself into "tunnel vision mode" and got through my workout as planned and it eventually got easier. So now for the past 6 months I have been diligently researching and constantly trying to change up my workouts and better my form and I completely agree that this is the best way to change and sculpt your body, hands down! I went from being the girl who was intimidated by weights, to being the girl that other people at my gym - women AND men - come to for advice and tips on what my routine is like. It's kind of an awesome feeling and totally worth stepping out of my bubble for!ReplyDelete


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The Dance by Brian Platt
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The Dance is a simple, no frills plot: Coins jump around, from one hand to the other in the cleanest and most surprising of manners. Each move can be performed independently for a squeaky clean, quick hit trick, or elegantly stacked. This DVD will challenge and inspire everyone from beginners to the most advanced coin workers.
Tumbling Muscle Click Pass
Picking up on the work of masters Shoot Ogawa and Akira Fuji, Brian has added a retention of vision element to the basic muscle click pass, creating a devastatingly convincing illusion. You'll learn how to perform this with half dollars, Morgan dollars, quarters, or even borrowed rings and keys. As a bonus, you'll learn how to pass up to three coins at once, making for an instant three coins across.
Casual ROV Muscle Click Pass
A variation of the Tumbling Muscle Click Pass that employs retention of vision with a more casual tossing motion.
Flash Transfer/Shooter Split
This technique combines principles from Arthur Buckley, Shoot Ogawa and Dan Sylvester to create an absolutely invisible coin transfer- even under intense scrutiny and with less than ideal angles. Both magicians and normal people will not see this one coming.
Tenkai Pennies (Goshman Pinch/Pointing Transfer)
Brian shares his personal touches on a classic of coin magic.
The Basic Muscle Pass
With a full understanding of how frustrating it can be to learn this basic move, Brian explains in great detail what got him over the hump and what will get you there too. If you're serious about coin magic, learning this sleight is an absolute must. No excuses, you can do it!
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text:
I'm no fashion guru but I've had my fair share of wardrobe discussions. Back in the day, some dude popped his head in my office and said, "Take a look at Betty."
I know better. Before I looked, I wanted a warning.
"Camel toe," he said. And he laughed. Hard.
I scowled.
"Things are tight."
Right. Okay. Better.
So I called Betty and asked her to come and see me. Probably not the best strategy — but I didn't want to walk to her cube and ask her to follow me. That's worse.
Betty walked into my office and my associate was right. Things were tight. I explained to her that she wasn't in trouble. I wasn't mad. I'm not judging her. I said — people are talking about your outfit instead of your work. FYI. See you later.
She asked, "What the hell is wrong with my outfit?"
And I said, "It's tight."
Not only was it tight, but the heels were high. (FYI — of course they were. You can't wear tight pants to work without heels.)
Betty looked like she wanted to smack me in the mouth. "You are always harassing me, Laurie. I'm going to complain."
Sigh. True. I'm such an asshole.
I said, "I told you… you're not in trouble. I'm just giving you a head's up. As a woman. You might want to change."
She said, "Oh I don't think so."
Drama. Stormed out. Clomp clomp clomp goes the trolley.
Her manager called me later in the day.
"Betty is pissed."
"I don't care."
"She thinks you're harassing her."
"What else did she say?" I asked.
"I'm not sure I want to tell you," he said.
Turns out Betty thought I was harassing her out of jealousy. I was too fat to wear clothes like her (quote) and I was a total bitch (also a quote). I had it all wrong, by the way. No one was complaining about her outfit. If anything, they were complaining about how awful I am.
He said, "She wants to lodge a formal complaint."
Right. Okay. Great. About what?
"I dunno," he said. "A formal complaint that you're an awful bitch."
We laughed.
I said, "An awful fat bitch?"
Apparently so.
So I said, "I report to the head of HR. You know how to reach her. Have at it."
I never heard another word about this, but it just goes to show you a couple things about working in HR.
- Women can be their own worst enemies.
- No good deed goes unpunished.
And here's another thing: camel toe never goes unnoticed at work.


text:
Advance for Health Information Professionals: "Get IVR Trained with CIRCC Core Credential"
- By admin aapc
- In AAPC In The News
- September 26, 2008
- No Comments
Because of the specific expertise required for interventional radiology and cardiovascular coding, the AAPC now offers the Certified Interventional Radiology and Cardiovascular Coder™ (CIRCC™) credential. This stand-alone credential was developed by interventional radiology (IVR) coders to demonstrate the unique expertise needed to successfully report procedures in the growing IVR subspecialty.
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