text:
Microsoft's support for your web browser ended on January 12, 2016. To continue to use our online services, you must upgrade to a current version of Google ChromeTM, Mozilla Firefox® or Microsoft Internet Explorer®.
|Time Deposit Term: 60 months
|Product: 60 month Fixed-Rate CD
|Interest Payment Frequency: Annually
|Interest Payment Method: Capitalization
These Terms and Conditions (the "Agreement") apply to your Certificate of Deposit, also referred to herein as a "Time Deposit Account" ("CD"). Compass Bank opens CD accounts that have no certificate, known as Time Deposits. We may change the accounts and services described herein at any time, as described in Section 13. We may also add new accounts or services and convert or discontinue existing accounts or services at any time. By opening your account or by conducting any transaction involving your account, you agree to this Agreement, which also incorporates, by reference, any supplemental provisions and disclosures we provide concerning your account.
Your attention is drawn to the Arbitration and Waiver of Jury Trial provisions in Section 16. If a dispute arises between us, then you or we may require that it be resolved through arbitration, rather than through a trial. Please read this Agreement carefully and retain a copy for your records.
You agree to keep the funds on deposit with Compass Bank until the end of the term stated above. Current interest rates and annual percentage yields can be obtained by calling 1-800-COMPASS or visiting www.bbvacompass.com. The interest rate and annual percentage yield that will be applicable to your account will be available for you to review and accept on the eSignature page before your account is opened. Fees could reduce the earnings on the account. The annual percentage yield assumes interest remains on deposit until maturity and any withdrawal will reduce earnings. Interest begins to accrue on the business day you make your deposit, or on the business day your deposit is received if mailed to us.
The following terms and definitions apply when used in this Agreement. Terms used herein but not defined below shall have the meaning assigned to them in the Uniform Commercial Code. References to the Uniform Commercial Code are to the Uniform Commercial Code in effect in the state where we maintain your account.
Account Owner or Owners. Each person named in our records as an account owner, including any trustee, custodian or other person acting in that capacity.
Business Days. Many of our branches are open on Saturdays to serve many of your banking needs. For the purposes of this Agreement, however, our business days are Monday through Friday, excluding holidays.
Multiple Party Account. A time deposit account with two or more owners (whether or not there is a right of survivorship). We offer the following types of Multiple Party Accounts:
Multiple Party Accounts will be presumed to be with right of survivorship (type (i) above) unless applicable law requires that you make an affirmative designation in order for right of survivorship status to apply.
P.O.D. Account. A time deposit account payable on request to an owner during that owner's lifetime and on that owner's death to one or more beneficiaries, or to one or more owners during their lifetimes, and on the death of all of the owners to one or more beneficiaries.
Single Party Account. An account owned by one party as indicated on our records. The owner of a Single Party Account may choose either (i) that at the death of the owner, ownership passes as part of the owner's estate; or (ii) a P.O.D. Account by designating one or more beneficiaries of the account.
Totten Trust Account. A time deposit account in the name of one or more owners as trustee for one or more beneficiaries where the relationship is established by the form of the time deposit account and there are no assets of the trust other than the sums on deposit in the time deposit account. This is also a form of P.O.D. Account.
We, Our, Us, BBVA Compass, Compass and Compass Bank. Compass Bank, Member FDIC, or any other affiliate bank of BBVA Compass Bancshares, Inc. For the purposes of Section 8 only, these items also include the directors, officers and employees of Compass Bank and its affiliates.
You, Your and Yours. The account owner or, if the account is a multiple party account, any and all account owners.
Owners. You appoint each other account owner of a multiple party account as your authorized agent for all purposes relating to your account including, but not limited to, making deposits, making withdrawals, obtaining account information, making transfers from the account, closing or redeeming the account, pledging or assigning the account and receiving notice regarding the account. If there is more than one account owner, we may provide notice regarding the account to only one of you. A withdrawal from or redemption of your multiple party account by any account owner will discharge our obligation to you with respect to the amount withdrawn, regardless of the source of the funds in the account. Any account owner of a multiple party account may add a new owner to the account. We may, but are not required to, honor a request by you to prevent a withdrawal or redemption by any other account owner or to remove another account owner from the account. If we honor the request, you agree to indemnify us and hold us harmless from any loss or damage caused you or anyone else that results from our honoring the request. You may be required to sign additional documents or agreements in connection with the request.
Assignment of Account. No pledge, assignment, or other transfer of any time deposit account to any third person, whether by gift or otherwise, shall be binding on us unless acknowledged by us in writing. Unless we agree otherwise in writing, the account will remain subject to our right of set off even after we receive notice of the transfer. Accounts are transferable only on our records. We reserve the right not to acknowledge or accept any attempted transfer of an account to any third person. If you have granted a security interest in the account to secure any debt owed by you to us, we shall be deemed to have control of the account, as that term is used in the Uniform Commercial Code. Except as provided in this paragraph, the Account is not transferable.
Authorization to Pay and Debit the Account. You authorize us to pay or withdraw funds from the account, without any notice to you, and subject to the penalties for early withdrawal set forth in Section 5 on the order of any account owner or authorized signer or on the order of any personal representative of any account owner or authorized signer (even if appointed in a state or country other than the one in which we maintain your account). You authorize us to honor orders to pay or withdraw funds received by us from any of these persons in writing, orally (including by telephone), or by electronic means. We may, but are not required to, honor orders by an attorney-in-fact for any of these persons. We may require that powers of attorney be executed on forms acceptable to us before we recognize the order of the attorney-in-fact. We may terminate our acceptance of a power of attorney for any reason.
Automatic Renewal. At maturity, the time deposit account will be automatically renewable unless Compass Bank sends written notice to the contrary. If we choose to renew your account at maturity, we will send you written notice in advance of the maturity of the account. You will have ten (10) calendar days after maturity to withdraw funds from the account without penalty. If you do not terminate the account in the time period set forth in the maturity notice, we will renew the account on the terms of this Agreement, as modified by the terms provided in our notice to you.
If we choose not to renew your account at maturity, we will send you written notice of such decision at least (10) calendar days prior to maturity.
Error Correction. You agree to repay us promptly any amount credited to your account in error, and you authorize us to charge your account to obtain payment of any erroneous payment or credit.
Transaction Limitations. Except as expressly provided in this Agreement, after the time deposit account is opened, you may not make deposits into the time deposit account. Withdrawals from the time deposit prior to the maturity date are subject to the penalties described in Section 5. If the time deposit is opened as an IRA, additional penalties may be required or imposed by law, rule or regulation.
Multiple Party Deposits. If a time deposit account is a multiple party account, a payable on death (P.O.D.) account, or a "Totten" trust account, our rights and liabilities for payment of any sums in the account shall be governed by the laws of the state in which we maintain your account.
Deposit by Minors, Agents or Trustees. A time deposit accepted from or on behalf of a minor, at our option, may be paid to or for such minor, and such payment shall be valid even though not executed by the minor's guardian, custodian, or legal representative. Where a time deposit is accepted from an agent, trustee or other representative, we do not have to inquire as to the authority of such representative, and the time deposit may be paid to the owner or to such representative without inquiring as to the disposition of the time deposit.
Uniform Transfer to Minors Act (UTMA) Deposits. The gift of money to the minor named as beneficiary of an UTMA account is irrevocable and is made in accordance with and to include all provisions of the applicable state statute, and shall include all interest earned on the time deposit account and any additional deposits to the account.
You may request us to allow you to withdraw all or part of the funds in the time deposit account before its maturity date. If we consent to early withdrawal for any reason other than the death or declaration of legal incompetency of a depositor, a penalty will be assessed on the amount withdrawn. The early withdrawal penalty for time deposits with a term of 365 days or less is equal to twenty five dollars ($25.00) plus one percent (1%) of the amount withdrawn. The early withdrawal penalty for time deposits with a term greater than 365 days is equal to twenty five dollars ($25.00) plus three percent (3%) of the amount withdrawn. If the withdrawal occurs within six (6) days after the date of any deposit or partial withdrawal, the amount of the early withdrawal penalty shall be calculated as above, but in no event shall it be less than the equivalent of seven days' simple interest on the amount withdrawn.
Without prior written notice to you, we may hold funds in your account subject to a claim or we may pay the source of the claim when we receive any notice, claim, or court order which we believe may affect your account (such as liens, garnishments, attachments, levies, injunctions, or other orders of a court or other governmental agency), regardless of the form or manner in which we receive the notice, claim, or court order. We will not be responsible for refusing to let you withdraw funds from the account because of the claim or after we have paid funds to the source of the claim. If we pay the source of the claim, your account will be subject to the penalty set forth above for early withdrawal and any applicable fee established from time to time for processing that claim. Contact your nearest BBVA Compass Banking office for a current fee schedule.
In the event of any controversy with respect to your account, such as a dispute over who has the right to make withdrawals from the account or who is the owner of the funds on deposit in the account, we may (but do not have to) refuse to pay any funds to anyone until we are satisfied that the dispute is resolved or the demand is withdrawn. We will not be responsible for any damages you may suffer as a result of our refusal to allow you to withdraw funds due to the dispute or demand. We also may interplead the funds in the account in a court of appropriate jurisdiction, naming all of the claimants to the account as defendants in such action. If we interplead the funds in the account, your account will be subject to the penalty set forth above for early withdrawal. You agree that we will be reimbursed out of the account for all expenses we incur in such action, including attorneys' fees and costs.
Interest on your account will compound daily. If your time deposit account has a term greater than one year and an interest payment method of capitalization, interest will be credited to your account at least annually.
We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the time deposit account each day.
We may be required to escheat to the state where we maintain your account the balance in any account that is considered "abandoned" or "unclaimed" according to the laws of that state (or, if applicable, the laws of the state of your last residence as shown on our records).
Your account will be presumed to have been terminated by you, if, for the period of time prescribed by law, you do not initiate activity in the account, correspond with us or otherwise indicate interest in the account, as defined by the laws of the state in which we maintain your account.
You acknowledge that, except as otherwise prohibited by law, we have the right to set off against your account any indebtedness or other obligations which you owe us, at any time, without any further notice to or demand on you, whether the indebtedness or other obligations exist at the time the account is opened or arise later. The indebtedness includes, without limitation, all charges and overdrafts incurred on any account you hold with us. You agree that, subject to applicable state laws, we may set off against the time deposit account any claim which we have against you without regard to the source or ownership of the funds on deposit in the account and without requirement that the claim be owed to us by all of the account owners rather than only one or some of them. The penalties for early withdrawal set forth in Section 5 of these Terms and Conditions apply to a set off by us.
You waive and agree that we may waive certain legal requirements called presentment, demand for payment, protest, notice of protest, and notice of dishonor with respect to any and all items for which you received payment or credit from us. No departure by us from the provisions of this Agreement or any waiver of any fees and charges with respect to your Account shall constitute (a) a waiver by us of any further right to impose any charges or enforce the provisions of this Agreement or (b) a course of dealing different from this Agreement.
Interest paid to you is reported to the Internal Revenue Service by us as having been received by the first account owner according to the certification provided us by that owner. We may be required to withhold a portion of your interest payment and remit it to the Internal Revenue Service. If applicable, we will send you notice of the amount withheld and remitted to the Internal Revenue Service.
Except as otherwise provided by law, this Agreement and all accounts are governed by the laws of the state where we maintain your account and applicable federal laws and regulations in effect from time to time, and are subject to any applicable automated or other clearing house rules and regulations. A determination that any provision of this Agreement is unenforceable or invalid shall not affect the enforceability or validity of any other provision of this Agreement.
For purposes of this Agreement, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened:
Survival of this Agreement. All provisions of this Agreement shall survive the termination of this Agreement or your account(s) by either party to the extent necessary to determine the liability of either party to the other for actions arising in connection with this Agreement or your account(s).
Amendments to this Agreement. We may amend this Agreement from time to time upon prior notice to you. Amendments of this Agreement may include the modification or deletion of existing provisions and the addition of new provisions. We agree to provide you notice of any amendment (except an amendment benefiting you) on the later of (A) at least thirty (30) days, or such longer period if required by law, before that amendment becomes effective, or (B) upon maturity and renewal of the account, by mailing you notice of the amendment to the last address shown on our records, or by posting notice of the amendment in our offices. We may, but are not required to, give you notice if the amendment will be to your benefit. If there is more than one account owner, we will send the notice of amendment to only one of you. By continuing to maintain your account or obtaining the services or products relating to this Agreement after the amendment becomes effective, you agree to the amendment of this Agreement. We also may, in our sole discretion, discontinue certain kinds of services, products and accounts, place restrictions on certain accounts or create new ones. If we discontinue the kind of account you have, we can transfer your funds to another type of account. In that case, we will mail you a notice at least thirty (30) days before the transfer takes effect. By continuing to maintain your account after the transfer takes effect, you expressly agree to the change in the kind of account you have.
The provisions of this section apply to items you deposit to open your time deposit account. Except as expressly provided in this Agreement, you may not make additional deposits to your account after opening it. If you are allowed to make additional deposits to your account after opening it, the provisions of this section also apply to items you deposit to your time deposit account. See "Transaction Limitations" in Section 3 for more information on additional deposits.
Deposit Procedures. We may charge for deposits and we also may refuse to accept for deposit or collection any item you offer for deposit, accept all or any part of a deposit for collection only, or limit the amount of the deposit.
Collection As Agent. Items delivered to us in connection with a time deposit account are received by us as your agent for collection and at your risk. We may accept represented items as your agent for collection and at your risk, and we may charge a fee for re-presentment. We are obligated only to exercise ordinary care in handling and collecting items. We shall not be liable for misconduct, neglect, insolvency, mistake, or fault of other persons or entities, or for loss or destruction of any item in transit or in the possession of others or for loss of use as a result of theft, fire, or other event beyond our reasonable control. If an item presented for collection represents the entire principal amount of the account and remains uncollected for any reason, we will terminate the account.
If any item deposited to your account is payable by a payor that is not a bank, we may send the item directly to that payor. Items payable through another bank may be sent directly to that bank or to collecting agents who likewise shall have the right to send the items directly to the bank on which they are drawn or at which they are payable. Payment of these items may be accepted in cash or drafts and neither we nor any collecting agents shall be liable for failure to collect such drafts. Each collecting agent is deemed to be your agent. No collecting agent shall be liable for loss arising from any act or omission of another agent.
Foreign Currencies. Deposits in foreign currencies will be converted to U.S. dollars at the exchange rate in effect at the time of final collection. You bear all exchange risk related to time deposits of foreign currency.
The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restricts your ability to make Electronic Fund Transfers. Any such limits are disclosed in the appropriate agreements governing your account. Any authorized signer on your account may act alone in conducting electronic fund transactions, regardless of the number of required signers indicated on the account's signature card.
Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic terminal, telephone, computer or magnetic tape to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits of funds or electronic transfers of funds to another account. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.
Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Telephone us immediately at the number provided below to keep your possible losses to a minimum. You could lose all the money in your account(s) (plus the amount of funds available in an overdraft line of credit). If you fail to report an unauthorized transfer that appears on a periodic statement within 60 days of our transmittal of your periodic statement, then you may be liable for the amount of each unauthorized transfer that occurs after the close of the 60 days and before you provide notice to us, unless the delay in notifying us was due to extenuating circumstances beyond your reasonable control.
Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of suspected unauthorized transfer(s), the time periods specified in this section may be extended for a reasonable period.
Our Telephone Number and Address: If you believe your account(s) has been or will be subject to unauthorized Electronic Fund Transfers, CALL: 1-800-266-7277 and make the appropriate selection from the voice menu, OR WRITE: BBVA Compass, Customer Service Department, P.O. Box 10566, Birmingham, Alabama 35296.
Compass Bank Business Days: Monday through Friday, excluding holidays.
Account Access: The types of Electronic Fund Transfers that you may make depend upon specific account type(s) and the services which you obtain, as well as the specific types of Electronic Fund Transfers you have authorized.
Charges: Except as may be provided by a specific agreement with us, there is no additional charge for making Preauthorized Electronic Fund Transfers. However, each Preauthorized Electronic Fund Transfer will be subject to the regular account service charges, if any, in accordance with the terms of the related account(s) in effect from time to time.
Your Documentation of Transfers:
Your Right to Stop Payment: If you have authorized us to make regular Preauthorized Electronic Fund Transfer payments out of your account, you may stop any payment by CALLING US at: 1-800-266-7277 and making the appropriate selection from the voice menu, or by WRITING US at: Compass Bank, Customer Service Department, P.O. Box 10566, Birmingham, Alabama 35296. You must notify us in time for us to receive your request at least three (3) business days before the payment is scheduled to be made. You must provide us with sufficient information to identify the payment, as well as other information we may request. If you deliver your stop payment request by telephone, you must confirm your stop payment order to us in writing within twenty-one (21) days of your oral stop payment order. An oral stop payment request will not be binding on us after twenty-one (21) days if you fail to provide the required written confirmation. We also require that you provide us within twenty-one (21) days of our receipt of your oral or written stop payment order a copy of your written notice to the payee revoking the payee's authority to electronically obtain payments from your account. If we do not receive a copy of that notice from you within twenty-one (21) days of our receipt of your oral or written stop payment request, your stop payment request will no longer be binding on us. In order to fulfill your stop payment request on any Preauthorized Electronic Fund Transfer, we may, in our discretion, but are not required to, stop all payments to the particular payee, or we may, in our discretion, notify you that your stop payment request cannot be fulfilled other than by closing your account. If you properly request us to stop payment and we fail to do so, we will reimburse you for losses or damages you suffer, if any, caused by our failure to stop payment as requested.
Our Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will reimburse you for any losses or damages that you suffer as a result of our failure to act according to our agreement with you. However, there are some exceptions where we will not be liable, such as, but not limited to, the following: if, through no fault of ours, other than exercise of our right of set off, you do not have money in your account to cover the transfer; if the transfer would exceed the available credit of any overdraft line of credit you may have; if the money in your account is being held subject to legal process or other encumbrance restricting transfers to or from your account; if we have received notice of a dispute as to the rights of parties to the accounts or their creditors or representatives and we have placed a hold on the account until resolution of the dispute; or if circumstances beyond our control prevent the transfer despite our reasonable precautions.
Disclosure of Information to Third Parties: We may disclose information to third parties about your account and the transfers you make as described in our Consumer Privacy Disclosure as amended or modified from time to time.
In Case of Errors or Questions About Your Electronic Transfers: Telephone or write us, as soon as you can, at the telephone number or address in Section 3 above, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared. Your inquiry must include: Your name and account number; AND a description of the error or the transfer you are unsure about, and as clearly as you can, an explanation of why you believe there is an error or why you need more information; AND the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry in writing within ten (10) business days. We will investigate your inquiry and will correct any error promptly. We will tell you the results of our investigation within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] after we hear from you; however, we may take up to forty-five (45) calendar days [ninety (90) calendar days for claims on accounts open less than thirty (30) calendar days, foreign-initiated transaction claims, and point-of sale transaction claims] to investigate your questions. If we need additional time to investigate, we will provisionally re-credit your account within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your inquiry in writing, and do not receive your written inquiry within ten (10) business days, we may choose not to provisionally re-credit your account. If we find that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used.
A. Subsection A applies if you reside in a state other than California and we do not maintain your account in California
By opening or maintaining the account, you agree that if a dispute, claim or controversy of any kind arises out of or relates to this Agreement or to your account or any transactions involving your account, or any service or product related to your account, either you or we can choose to have that dispute resolved by binding arbitration. This arbitration provision limits your ability to litigate claims in court and your right to a jury trial. You should review this section carefully. You will not have the right to participate as a class representative or member of any class of claimants for any claim subject to arbitration. Arbitration is a more informal proceeding in which disputes are decided by one or more neutral arbitrators who issue a binding ruling in the form of an award. You and we understand that discovery and other procedures in arbitration may be more limited than discovery in court proceedings and that the ability to modify, vacate, or appeal an award by an arbitrator(s) is strictly limited.
You and we agree, upon written demand made by you or us, to submit to binding arbitration all disputes, controversies, and claims, whether based on contract, fraud, tort, intentional tort, statute, regulation, constitution, common law, equity, or any other legal basis or theory, and whether pre-existing, present, or future, that arise out of or relate to (a) this Agreement, your account, any transaction involving your account, any service or product related to your account, or any advertisements, promotions, or oral or written statements related to this Agreement or your account, (b) the relationships that result from this Agreement (including, to the fullest extent permitted by applicable law, relationships with third parties who are not parties to this Agreement or this arbitration provision), (c) your relationship with us that relates to this Agreement or any other agreement or relationship you have with us that is not also subject to a different agreement to arbitrate, or (d) the validity, interpretation, scope or enforceability of this Agreement or the interpretation or scope of the Arbitration Clause (collectively, a "Claim"). All parties retain the right to seek relief in a small claims court for disputes or claims within the jurisdictional limits of the small claims court. At the option of the first to commence arbitration, you or we may choose to have the arbitration conducted by JAMS ADR ("JAMS") or the American Arbitration Association ("AAA"), or you and we may agree upon a different arbitrator. In any event, any arbitration under this Agreement shall be conducted in writing in accordance with the AAA Rules ("Rules"). You agree that this arbitration provision is made pursuant to a transaction involving interstate commerce, and the Federal Arbitration Act (the "FAA") shall apply to the construction, interpretation, and enforceability of this Agreement notwithstanding any other choice of law provision contained in this Agreement.
Either you or we may initiate arbitration by giving written notice of the intention to arbitrate to the other party and by filing notice with JAMS or the AAA in accordance with the Rules in effect at the time the notice is filed. The notice shall set forth the subject of the dispute and the relief requested, at a minimum. The demand for arbitration may be made before or after commencement of any litigation. You should contact the AAA at 800-778-7879 or www. adr.org or JAMS at 800-352-5267, www.jamsadr.com for more information about arbitration. If for any reason the AAA or JAMS is unable or unwilling to serve as arbitration administrator, or you and we are unable to agree on another arbitrator, we will substitute another national or regional arbitration organization.
Demand for arbitration under this Agreement must be made before the date when any judicial action upon the same Claim would be barred under any applicable statute of limitations; otherwise, the Claim also is barred in arbitration. Any dispute as to whether any statute of limitations, estoppel, waiver, laches, or similar other doctrine bars the arbitration of any Claim shall be decided by arbitration in accordance with the provisions of this Agreement.
You cannot join together in a dispute with anyone other than persons who use your account, although this limitation does not affect the ability of a purely governmental entity to institute any enforcement action. Even if other people have disputes similar to a dispute that you and we have, those people and their disputes cannot be part of any arbitration between you and us. A Claim by, or on behalf of, other persons will not be considered in, joined with, or consolidated with, the arbitration proceedings between you and us, and a Claim may not be arbitrated on a class action, private attorney general, or other representative basis. Notwithstanding anything to the contrary in this Agreement, any dispute regarding the prohibitions in this paragraph or about the enforceability of the arbitration clause shall be resolved by a court and not by the arbitrator(s).
Where the aggregate of all Claims by both you and us does not exceed $250,000, any expedited procedures provided in the Rules ("Expedited Procedures") shall apply and a single arbitrator shall decide the Claims. Where the aggregate of all Claims by both you and us exceeds $250,000, a panel of three arbitrators shall decide all Claims. Each arbitrator, whether or not acting under Expedited Procedures, shall be an active member in good standing of the bar for any state in the continental United States and shall be either: (a) actively engaged in the practice of law for at least 5 years or (b) a retired judge.
You and we agree that the arbitrator(s): (a) shall limit discovery to non-privileged matters directly relevant to the arbitrated dispute; (b) shall grant only relief that is based upon and consistent with substantial evidence and applicable substantive law; (c) shall have authority to grant relief only with respect to Claims asserted by or against you individually; (d) shall not have any authority to require, as part of any relief granted, that you and we continue any relationship we may have under this Agreement or otherwise; and (e) shall provide a brief written explanation of the basis for the award upon the request of either party and shall make specific findings of fact and conclusions of law to support any arbitration award that exceeds $25,000.
Upon written request by you, for claims up to $50,000, we will pay to the AAA or JAMS the portion of the arbitration filing fee that exceeds the cost of filing a lawsuit in the federal court where you live. Upon written request by you, we may elect, at our sole discretion, to pay or advance some or all of any remaining arbitration fees and other costs. The arbitrator will decide whether we or you ultimately will be responsible for paying any filing, administrative or other fees in connection with the arbitration. If you are the prevailing party in the arbitration, the arbitrator(s) may order us to pay some or all of your attorney, expert, and/or witness fees. Any arbitration proceedings shall be conducted in the federal judicial district where we maintain your account. Judgment upon any award rendered in arbitration may be entered in any court having jurisdiction.
If you or we are seeking to bring a joined, consolidated, or class action and if the portion of this arbitration provision that prohibits the arbitration of joined, consolidated, or class actions is deemed invalid or unenforceable, then the entire arbitration provision shall be void and unenforceable and severed from the rest of this Agreement. If any portion of this arbitration provision other than the prohibition against the arbitration of joined, consolidated or class actions is deemed invalid or unenforceable, then that portion will be severed and the remaining portions of this arbitration provision will remain valid and enforceable including the prohibition against the arbitration of joined, consolidated or class actions. Nothing in this arbitration provision shall limit your or our right, whether before, during, or after the pendency of any arbitration proceeding, to exercise any self-help remedies, such as set-off or repossession and sale of collateral, or to obtain provisional remedies (including but not limited to, injunctive relief or interpleader relief). You and we agree that the taking of these actions or any other participation in litigation by you or us does not waive any right that either you or we have to demand arbitration at any time with respect to any subsequent or amended Claim filed against you or us after commencement of litigation between you and us. This arbitration provision shall survive termination of this Agreement and the closing of your Account.
This provision limits your rights to a jury trial. You should review this section carefully. If (i) neither you nor we seek to compel arbitration of any dispute we have related to this Agreement, your account, or any transactions involving your account, or (ii) some or all of the arbitration clause is unenforceable and we are in a dispute in a court of law, then each of us agrees to waive any right we may have to a jury trial to the extent allowable under the laws of the state that govern this Agreement.
Attorneys' Fees. In any action between you and us in court, the prevailing party shall be entitled to recover its reasonable attorneys' fees expended in the prosecution or defense of the court action from the other party.
B. Subsection B applies if you either reside in California or we maintain your account in California
By opening or maintaining the account, you agree that if a dispute, claim or controversy of any kind arises out of or relates to this Agreement or to your account or any transactions involving your account, or any service or product related to your account, it will be resolved by judicial reference pursuant to the provisions of the California Code of Civil Procedure, Sections 638-645.1 inclusive, unless the dispute, claim or controversy is part of a class action. This judicial reference provision limits your ability to litigate claims in court and your right to a jury trial. By agreeing to judicial reference, you and we waive, and shall not have, any right to a jury trial. You should review this section carefully. Judicial reference is a proceeding in which disputes are decided by a judicial referee who receives the evidence at a hearing and then issues a statement of decision upon which a judgment is based. You and we agree that the referee shall have the power to decide all issues of fact and law and report his/ her statement of decision hereon, and to issue all legal and equitable relief appropriate under the circumstances before him/her.
Either you or we may initiate judicial reference by giving written notice of the intention to initiate judicial reference to the other party and by proceeding in accordance with California Code of Civil Procedure Section 638.
You and we agree, upon written demand made by you or us, to submit to judicial reference all disputes, controversies, and claims, whether based on contract, fraud, tort, intentional tort, statute, regulation, constitution, common law, equity, or any other legal basis or theory, and whether pre-existing, present, or future, that arise out of or relate to this Agreement, the account, any transaction involving the account, any service or product related to your account, or any advertisements, promotions, or oral or written statements related to this Agreement or the account, the relationships that result from this Agreement (including, to the fullest extent permitted by applicable law, relationships with third parties who are not parties to this Agreement or this judicial reference provision), or the validity, interpretation, and scope of this Agreement (collectively, a "Claim"). All parties retain the right to seek relief in a small claims court for disputes or claims within the jurisdictional limits of the small claims court.
You and we agree that a single referee who is a retired California state or federal court judge shall be appointed by the court pursuant to California Code of Civil Procedure 640 and shall preside over the reference proceeding and try all issues, whether of fact or law. If the parties are unable to agree upon a referee within ten (10) days of a written request to do so by any party, then any party may thereafter seek to have a referee appointed pursuant to the California Code of Civil Procedure, Sections 638 and 640, including submitting to the court up to three nominees who are retired state or federal court judges.
You and we shall be entitled to discovery, and the referee shall oversee discovery and may enforce all discovery orders in the same manner as any trial court judge. Demand for judicial reference under this Agreement must be made before the date when any judicial action upon the same Claim would be barred under any applicable statute of limitations; otherwise, the claim also is barred in judicial reference. Any dispute as to whether any statute of limitations, estoppel, waiver, laches, or other doctrine bars the judicial reference of any Claim shall be decided by the judicial referee in accordance with the provisions of this Agreement.
A claim by, or on behalf of, other persons will not be considered in, joined with, or consolidated with, the judicial reference proceedings between you and us. Any such claim will be resolved in a court of proper jurisdiction. Nothing in this judicial reference provision shall limit the right of you or us, whether before, during, or after the pendency of any judicial reference proceeding, to exercise any self-help remedies, such as set off or repossession and sale of collateral, or to obtain provisional or ancillary remedies or injunctive or other traditionally equitable relief, such as filing an interpleader action. You and we agree that the taking of these actions or any other participation in litigation by you or us does not waive any right that either you or we have to demand judicial reference at any time with respect to any subsequent or amended Claim filed against you or us after commencement of litigation between you and us.
You and we agree that the referee shall not have any authority to require, as part of any relief granted, that you and we continue any relationship we may have under this Agreement or otherwise; and shall provide a statement of decision stating the disposition of each claim and a concise written explanation of the basis for the award. The referee's statement of decision shall contain written findings of fact and conclusions of law, and the court shall enter judgment thereon pursuant to California Code of Civil Procedure Sections 644(a) and 645. The decision of the referee shall then be appealable as if made by the court.
Unless inconsistent with applicable law, each party shall bear the expense of its respective attorney, expert, and witness fees, regardless of which party prevails in the judicial reference. Except for any filing fee if you initiate judicial reference proceedings, we will pay all of the remaining judicial reference fees and other costs, including the referee's fees where required by law. The referee will decide whether we or you ultimately will be responsible for paying any fees or other costs in connection with the judicial reference. Any judicial reference proceedings shall be conducted in the federal judicial district of your residence, and you will be given the opportunity to attend the proceeding and be heard. Judgment upon any statement of decision rendered in judicial reference may be entered by the court that appointed the judicial referee or any other court with jurisdiction.
If any portion of this judicial reference provision is deemed invalid or unenforceable, the remaining portions of this judicial reference provision will remain valid and enforceable. This judicial reference provision shall survive termination of this Agreement and the closing of your Account.
Attorneys' Fees. In any action between you and us regardless of whether it is proceeding in court or in judicial reference, unless inconsistent with applicable law, each party shall bear the expense of its respective attorney, expert, and witness fees, regardless of which party prevails in the matter.
The Internal Revenue Service (IRS) is responsible for insuring that all persons pay the correct amount of Federal Income Tax. In order to accomplish this task, they must match the income reported by businesses for individuals (salary, interest, dividends, etc.) to the income shown on individual tax returns. Taxpayer Identification Numbers (for individuals, their social security numbers) are used as the basis for matching these records. A 1983 law required all payers of interest (such as a bank) to report interest paid to individuals by Taxpayer Identification Number. Therefore, you must provide your correct Taxpayer Identification Number to us so that we may meet these reporting requirements. This law also stipulates that should a bank or other payer of interest not have your correct Taxpayer Identification Number on file, then 28% of interest, dividends and other payments made to you must be withheld and forwarded to the IRS to insure that taxes on this income are paid. This advance payment is known and referred to by the IRS as "backup withholding." Backup withholding is not an additional tax. Rather, the amount of taxes you normally would owe will be reduced by the amount of tax withheld. If an overpayment of taxes results from backup withholding, a refund may be obtained from the IRS.
Unless the IRS has instructed us to withhold from your interest and dividend payments, you can avoid this 28% backup withholding by providing us with your correct Taxpayer Identification Number. Additionally, you must certify that the Taxpayer Identification Number you provide us is correct and that you have not been advised by the IRS that you are subject to backup withholding.
The IRS is empowered to impose penalties on you and us if your correct Taxpayer Identification Number is not provided. (Please see the "Penalties" section below.)
Unless you are an exempt recipient (see Exempt Recipients section) you are subject to backup withholding if: 1) You fail to furnish us your Taxpayer Identification Number, OR 2) The IRS notifies us that you furnished an incorrect Taxpayer Identification Number, OR 3) The IRS notifies us that you are subject to backup withholding (under Section 3406(a)(1)(C) of the Internal Revenue Code*), OR 4) For an interest or dividend account opened after December 31, 1983, you fail to certify to us that you are NOT subject to backup withholding, under (3) above, or fail to certify your Taxpayer Identification Number is correct.
*NOTE: Section 3406(a)(1)(C) of the Internal Revenue Code basically requires backup withholding if you have underreported to the IRS interest or dividend payments you received, or if you failed to file a Tax Return which would have included reportable interest or dividend payments. The IRS will notify you before they instruct us to withhold for either of these reasons.
How to Avoid Backup Withholding: When you open an account with us, we will provide you with the necessary forms to complete in order to provide and certify your Taxpayer Identification Number. TO AVOID BACKUP WITHHOLDING, all you have to do is provide us with your correct Taxpayer Identification Number and sign the certification statement to certify that the number you are providing is correct and that you are not subject to backup withholding.
Taxpayer Identification Number: If you are an individual, your Taxpayer Identification Number is your Social Security Number. If you are not an individual, generally your Taxpayer Identification Number is your Employer Identification Number. In all instances the number you give us should be the number of the owner of the account.
Guidelines for Determining the Proper Identification Number to Give to the Bank: Social Security Numbers have nine digits separated by two hyphens: i.e., 000-00-0000. Employer identification numbers have nine digits separated by only one hyphen: i.e., 00-0000000. The following table will help you determine the number to give to the bank.
|For this type of account:
|Give the social security number of:
|An individual account
|The individual
|Two or more individuals (joint/multiple party account)
|The actual owner of the account. This person's name should be listed first on the account.
|Husband and wife (joint/multiple party account)
|The first person listed on the account
|Custodian account of a minor (Uniform Transfer to Minors Act)
|The minor
|Adult and minor (joint/multiple party account)
|The first person listed on the account
|Account in the name of guardian or committee for a designated ward, minor or incompetent person
|The ward, minor or incompetent person
|The usual revocable savings trust account (grantor is also trustee)
|The grantor-trustee
|So called trust account is not a legal or valid trust
|The actual owner
|A valid trust or estate
|Legal entity (Do not furnish the identifying number of the personal representative or trustee unless the legal entity itself is not designated in the account title.)
|A valid trust, estate, legal pension trust
|(Do not furnish the identifying number of the personal representative or trustee unless the legal entity itself is not designated in the account title)
|Corporate account
|The corporation
|Religious, charitable, or educational organization account
|The organization
|Partnership account held in the name of the business
|The partnership
|Association, club, or tax-exempt organization
|The organization
|A broker or registered nominee
|The broker or nominee
|Account with the Department of Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments
|The public entity
Obtaining a Number: If you don't have a Taxpayer Identification Number or you don't know your number, obtain Form SS-5, application for a Social Security Number Card, or Form SS-4, Application for Employer Identification Number, at the local office of the Social Security Administration or the Internal Revenue Service and apply for a number. When you get a number, submit a new form to the bank.
Exempt Recipients: Payees specifically exempted from backup withholding on ALL payments include the following:
Payments of dividends and patronage dividends not generally subject to backup withholding include the following:
Payments of interest not generally subject to backup withholding include the following:
If you are uncertain whether you qualify as an exempt recipient, call your accountant or the Internal Revenue Service.
To avoid possible withholding, exempt recipients should complete the form(s) provided by Compass Bank and should check the box captioned Exempt Recipients. The form should also contain your Taxpayer Identification Number and the certification statement must be signed. The form must then be returned to Compass Bank.
Rev. 4/2014


text:
UNIVERSITY PARK, Pa. -- Ben Pugh and Matt Bonczek, both seniors in the Penn State Smeal College of Business, have each passed five of the necessary exams toward their actuarial science accreditation — a unique distinction, according to Ron Gebhardtsbauer, clinical associate professor of actuarial science.
Gebhardtsbauer said this is the first time he's ever had students pass that many exams before graduation.
"These are some of the toughest exams there are," said Gebhardtsbauer. "Most people don't take these exams until they're on the job."
That's because many employers offer paid study hours to prepare for the exams — a luxury not afforded to the students who choose to take the exams while in college.
"I think the exams are more difficult to pass in school because you don't get that paid study time," said Bonczek. "I also think there are more distractions while in school."
Pugh agreed, citing everything going on with both classes and extracurricular activities.
"It's hard to prioritize when everything seems to be so urgent," he said. "I particularly remember last fall during the week of our career fair thinking, 'Do I spend time preparing for this large event happening in a few days, my group project that is due in a week or studying for my actuarial exam in a month?'"
Passing these five exams means that Pugh and Bonczek are about 80 percent of the way toward achieving the designation of Associate of the Society of Actuaries.
Bonczek said that the hardest part of these exams is the time and effort necessary to study for them. In fact, up to 300 hours of studying is recommended per exam.
Gebhardtsbauer added, "Actuarial students have to be really good in multiple areas — economics, finance, math, and statistics and probability."
Penn State is one of fewer than 15 universities in the United States with the distinction of being a Center of Actuarial Excellence, meaning that it meets specific requirements that denote it as an excellent place to receive actuarial science education.
"Penn State graduates are good at math and also good communicators," said Gebhardtsbauer. "Recruiters like that the Penn Staters are well-rounded."
The actuarial science option in the risk management major at Smeal covers calculus, probability and statistics, financial and actuarial mathematics, economics, finance, risk management, pensions and insurance in preparation for careers in insurance, consulting, finance and government agencies. The actuarial options in the mathematics and statistics majors in the Eberly College of Science have a very similar curriculum.

subset: commoncrawl


text:
There really is something for everyone at the World's Largest Music Festival running 11 days with 11 music stages plus the Children's Theater & Playzone. Don't believe me? Check out the full music lineup here.
Tickets are $8/ adult from Noon-4pm each day and $15/ adult after 4pm. Admission includes all ground stages with the Marcus Amphitheater as the only venue where additional ticket purchase is required for admittance. Watching your wallet? Check out the admissions promotions including Free Admission days/ times. Whether you're headed for the Amphitheater or not, you're sure to find great music at every turn… I won't bother to 'date' myself by listing the bands I like, so click on over and see the full list at their site.
But great music isn't the only thing you'll find at the lake front. Don't miss the Great American BBQ Tour sponsored by the Kansas City Barbecue Society, the Cover Up! Your Vanilla is Showing Tour, or the M&M's Ice Cream Summer of Fun Tour. See the full list of exhibitors here.
See the official lodging partner of Summerfest or WisconsinLodging.info for Milwaukee-area lodging options.


text:
March 9, 2008
CAMBRIDGE, Mass. - Despite five goals from Dan Piemont, the MIT men's lacrosse team fell to UMass-Dartmouth, 14-10, in its season-opener on Saturday. John Kucharczyk bolstered the Engineers' offense with two goals and an assist while Dylan Roden contributed a goal and two assists. Samuel Jasinski and Garth Grove split the game in net with each collecting seven saves.
Kucharczyk opened the scoring with an unassisted tally after 48 seconds elapsed. The Corsairs countered with four unanswered goals, including two during the last 1:23 of the quarter.
UMass-Dartmouth extended its margin to 5-1 at the 10:05 mark of the second stanza. Exactly three minutes later, Piemont connected on a pass from Kucharczyk for a man-up goal. MIT then cut its deficit in half (5-3) courtesy of a blast from Ryan Ballentine that was set-up by Roden. The hosts scored twice before entering halftime with a 7-3 advantage.
Like the first frame, Kucharczyk found the back of the net for the Engineers after 20 seconds expired as Corey Garvey earned the assist. Following six minutes of scoreless play, the Corsairs notched three goals in a span of a minute that increased their lead to 10-4. Piemont ended MIT's scoring drought when he connected on a feed from Eric Zuk, but UMass-Dartmouth tacked on another goal with 5:39 on the clock. The Engineers closed the period with Piemont's second man-up goal that was assisted by Roden with 17 seconds left.
Roden helped narrow the gap to four (11-7) with an unassisted strike 1:16 into the fourth quarter. The Corsairs quickly reestablished their five-goal margin which held until back-to-back goals by Piemont 27 seconds apart brought MIT within three (12-9) with 5:31 to go. UMass-Dartmouth gained some breathing room almost two minutes later, but Zuk kept the pressure on with an unassisted tally with 2:27 left to play. The Corsairs capped the scoring on a man-down goal with just over a minute remaining.


text:
MarabuFineliner GraphixPen Sets
DiversifiedWoodcrafts Fab-LabWorkbenches
Blick ChelseaMetal GalleryFrames
BlickWater-SolubleBlock PrintingInks
BlickPencil Case
UtrechtColor WheelGuide
15% Off Orders of $45 or More + Free Shipping
Available Offers
Today's Deal
Free Shipping
On Orders of $35 or More**
15% Off
Orders of $45 or More*
Use Code: CEUZ
*Exclusions apply**After discounts taken
On Orders of $45 or More**
**After discounts taken
Browse more:
Holbein has developed a range of artist-quality soft pastels that offer great covering and blending power because of their soft powder richness. Individually wrapped sticks feature a square shape for versatility - use the flat sides or sharp edges!
Color Swatches created using heavy to light application and were applied on 100 lb (163 gsm) drawing paper material.
organic, monoazo
C18H12N2O6, calcium salt
Lithol Rubine (PR57:1) is a deep transparent red dye, generally slightly bluish, that is laked as a salt with sodium or calcium to form a pigment. PR57 is the sodium salt, and has a more bluish tone. PR57:1 is the calcium salt, and is the most widely used. Lithol Rubine makes clean pinks when tinted. Sources vary greatly in hue and transparency. Lithol Rubine has high tinting strength.
Lightfastness is considered only fair to good. Superior products are available when lightfastness is paramount. Where greater lightfastness is needed in process color printing, the more expensive pigment PR184, a Naphthol AS pigment, is often substituted for Lithol Rubine.
Lithol Rubine is not considered toxic. It is used in food, drugs, and cosmetics. Pink lipstick is often manufactured with pigment PR57:1. Lithol Rubine can be used in art materials intended for children.
Lithol Rubine pigments (especially the calcium salt PR57:1) are widely used in inks, paints, plastics, and textiles. Lithol Rubine is widely used as magenta in process color printing.
4B Toner, Pigment PR57:1 is also known as D&C Red No 7, Ruby Red, Brilliant Carmine.
iron oxides
FeO or Fe2O3
Mars Black is an opaque black with a strong and cool masstone, a slightly warm tint, and a warm brown undertone. It is not as black as Ivory Black, but it dries more quickly and has three times the tinting strength. Mars Black is normally the only black available in acrylic form and that is safe to over paint. It can be used in all media without reservation and is widely used as an alternative to Lamp Black and Ivory Black.
Mars Black is very lightfast with excellent permanence.
Mars Black has no significant hazards and is the only major black pigment considered non-toxic.
The word Mars refers to the Roman god of iron and war. Mars Black was developed in the early 20th century from inorganic, synthetic iron oxide.
Black Iron Oxide, Iron Black, Magnetic Oxide, Mapico Black, Mineral Black. Sometimes labeled as Vine Black.
copper phthalocyanine
Phthalo Blues are pure and clean primary blues with superior covering power. They have a very high tinting strength and tend to overwhelm other pigments, but if color strength can be controlled, they make predictable mixed colors. In oil form, blues are very deep and slow drying. When mixed with other colors or if chlorine is added, Phthalo Blue quickly tends towards green. When using alone, mix with some white, as Phthalo Blue can be semi-transparent and almost black on its own. It is among the most compatible of modern colors with mineral colors and is considered more reliable than Prussian Blue, while sharing the same physical and color properties. Phthalo Blue is a good color for glazing.
Phthalo Blues are completely lightfast and stable and are permanent for all paint uses. They are currently used in inks, coatings, and many plastics due to their stability and are considered a standard pigment in printing ink and the packaging industry.
Phthalo Blues have no significant hazards, although those made before 1982 contained some PCBs (polychlorinated biphenyls).
Developed by chemists using the trade name Monastral Blue, the organic blue dyestuff now known as Phthalo Blue was presented as a pigment in November 1935 in London. Its discovery was accidental. The dark color was observed in a kettle where a dye was being made from a British dyestuff plant. The demand for such a pigment came from commercial printers who wanted a cyan to replace Prussian Blue.
Bocour Blue, Cyan Blue, Helio Blue, Heliogen Blue, Intense Blue, Monastral Blue, Phthalocyanine Blue, Rembrandt Blue, Thalo Blue, Winsor Blue.
complex silicate of sodium and aluminum with sulfur
Na8-10Al6Si6O24S2-4 or Na6-8Al6Si6O24S2-4
Ultramarine is the standard warm blue, a brilliant blue pigment that has the most purple and least green in its undertone. It has a moderate to high tinting strength and a beautiful transparency. Synthetic Ultramarine is not as vivid a blue as natural Ultramarine. Ultramarine dries slowly in oil and tends to produce clean, though granular, washes in watercolor. French Ultramarine mixes well with Alizarin colors in oil and watercolor form to create a range of purples and violets. It can dull when mixed with white in acrylic form, but mixes well with other colors. The shade varies based on manufacturer. Considered a great color for glazes, it is not suitable for frescoing.
Ultramarine has excellent permanence, although synthetic Ultramarine is not as permanent as natural Ultramarine. It may discolor if exposed to acid because of its sulfuric content.
Ultramarine has no significant hazards.
The name for this pigment comes from the Middle Latin ultra, meaning beyond, and mare, meaning sea, because it was imported from Asia to Europe by sea. It is a prominent component of lapis lazuli and was used on Asian temples starting in the 6th century. It was one of the most expensive pigments in 16th century Europe, worth twice its weight in gold, and so was used sparingly and when commissions were larger. Ultramarine is currently imitated by a process invented in France in 1826 by Jean Baptiste Guimet, making blue affordable to artists and extending the range of colors on their palettes.
Artificial Ultramarine, French Blue, French Ultramarine, Gmelin's Blue, Guimet's Blue, Permanent Blue, Royal Blue, Synthetic Ultramarine. New Blue describes particular shades of Ultramarine. Armenian Blue and Lazuline Blue are names for genuine Lapiz Ultramarine. Sky Blue is a pale tone of Ultramarine.
Your cart is currently empty.
Your cart currently contains N item.
Material Safety Data Sheet
® Holbein is a registered trademark.


text:
NEW HAVEN, Conn. – While Commencement proceedings will be taking place on campus in New Haven, the men of the Yale heavyweight crew team will be in Worcester, Mass., racing at the 68th Eastern Sprints Regatta. Held as the de facto Ivy League Championships, all eight Ivy League schools along with several other Division I programs from New England, the Mid-Atlantic and parts of the Midwest will race on Lake Quinsigamond in Worcester in hopes of taking home the title of Eastern Sprints Champions. Racing will take place on Sunday, May 19.
"These past weeks have been very productive, away from the distractions back on campus," said captain Jon Morgan. "We are all excited about the races on Sunday.
Earlier this season the Bulldogs won two and lost two in dual races. The team started off with close losses to Brown in Providence (except for the four, which won its race against the Bears), followed by a sweep of Dartmouth at home. The team then hit the road to race against Columbia and Penn, where the Bulldogs captured the Blackwell Cup with a decisive wins in the varsity eight and the four, while suffering close losses in the second and third varsity eights. The dual season ended with losses to Cornell and Princeton for the Carnegie Cup, but since then the Bulldogs have had several weeks to step up their training and prepare for the Sprints.
Racing will begin for the Bulldogs on Sunday morning with the varsity four race at 8:16 a.m. Yale is racing in a straight final with BU, Dartmouth, Holy Cross, Northeastern and Syracuse. Last year Yale won its fours race by more than 12 seconds at the Sprints and every time the Bulldogs have raced a four this year they have pulled off a win.
The next race is the third varsity eight race, where Yale is racing in the third of three heats at 9:12 a.m. The Bulldogs are going up against Columbia, Navy and Northeastern. Two will advance to the grand final at 2:06 p.m.
In the JV heats Yale is racing in the second heat at 10:48 a.m. Here the Bulldogs are going up against a group of unknowns including BU, Harvard, Holy Cross, GW and Navy, none of whom Yale has seen in dual racing so far this season. If the Bulldogs finish in the top two they will race in the grand final at 4:18 p.m.
Finally Yale will race in the second of three varsity eight heats at 11:24 a.m. To make the grand final the Bulldogs will have to finish in the top two against Columbia, Cornell, Georgetown, MIT and Northeastern. The grand final is scheduled for 5:00 p.m.
All of Sunday's racing will be available to watch via live stream here.
Report filed by Yale Sports Publicity


text:
Authorities are searching for a robber with a "Tweety Bird'' tattoo on his neck who slashed the face of a woman working in a flower shop in the Wicker Park neighborhood.
The man was not armed when he entered the Asrai Garden floral shop, 1935 W. North Ave. on Thursday morning and demanded money, police said. The woman working behind the counter resisted, and the man picked up a scissors or shears inside the shop and slashed her face, police said.
The woman locked herself inside a bathroom, and the robber used the handle of a mop to bang on the door while "trying to get at her,'' police said. He gave up, grabbed some cash and fled, police said.
The woman was taken in serious condition to Stroger Hospital, according to Fire Media Affairs Director Larry Langford. Police said her injuries are not life-threatening.
The robber was described as a black man 25 to 35 years, 6-foot-3 to 6-foot-4 and weighing 180 to 220 pounds. He had a "Tweety Bird" tattoo on his neck.
Police said the robbery appeared to be a random "crime of opportunity'' and was unrelated to other recent muggings and robberies in the area.
Twitter: @RosemarySobol1


text:
This new, regular feature on NHLNumbers will share interesting stats-related posts from around the web almost every day.
Welcome to edition number ten of the rebooted Number Chains. In this space you will be able to find the best analytical hockey writing from around the internet on a close-to-daily basis. Subject matter will include statistical evaluation, financial analysis, contractual issues, and (sometimes) closely-related tangential works. If you have something you would like to submit for a future edition (your writing or that of someone else) feel free to send it to me via Twitter @JoshL1220 or leave a comment.
On this fine Thursday we begin with a post by Gus Katsaros at Leafs Nation. In the post Gus broke down the Leafs season into 20 game segments to see if any conclusions could be drawn about what went wrong. His final conclusion?
At even strength, Toronto was competitive. When special teams came into play, especially the penalty kill the team fell apart. It started early in the season around Game 20 and heralded the demise of their coach.
And another spring without playoffs.
Welp. Sorry Leafs fans. Follow the link over to Leafs Nation to read the rest of the post. It's very detailed and packed full of the statistical analysis we want to bring to your attention on a daily basis.
* At Canucks Army, Thomas Drance dove into the question of whether or not Ryan Kesler is actually a puck hog or not.
* Andrew Berkshire at Habs Eyes On The Prize takes the scalpel to the career of Michel Therrien.
* Michael Traikos of nationalpost.com compiled a list of players to "get rid of" if the new CBA allows for amnesty buyouts. The premise was to find one player per team. Some of the suggestions are rather crazy, and it's filled with logic such as :
Ottawa Senators: Sergei Gonchar
The offence comes from Erik Karlsson, so Gonchar's US$5.5-million salary does not provide much help.
* Ross Marowits of The Canadian Press discusses how Molson Coors sales are taking a beating during the NHL Lockout.
* Lighthouse Hockey searches for the secret location of the NHL CBA meetings.
* At Puck Daddy Greg Wyshynski wrote about Henrik Lundqvist dumping on the talent of the Swedish Elite League during the lockout.
* Puck Daddy also posted a link to quite possibly the ugliest jersies I've ever seen before. Meet Los IceHogs:
I don't think anything else can reasonably be said after an image like that.
Follow Josh and NHLNumbers today.


text:
At the radio studio in "The Discovery Dissipation" Episode 10 of Season 7
Leonard (Johnny Galecki, far right) and Amy help Sheldon (Jim Parsons, right) cope with the shame he's feeling after his accidental contribution to science is disproved, on THE BIG BANG THEORY, Thursday, Dec. 5 (8:00 – 8:31 PM, ET/PT) on the CBS Television Network. Ira Flatow (left) Guest Stars as Himself. Photo: Michael Yarish/Warner Bros. Entertainment Inc. © 2013 WBEI. All rights reserved.


text:
Proposed new regulations on contraceptives for employees of nonprofit religious organizations and closely held for-profit companies objecting to such coverage were released today.
The proposals come in the form of interim final regulations. They address the Supreme Court's June rulings on the two significant cases on the issue as follows.
•Conestoga Wood and Hobby Lobby: As widely expected, the plan would expand the existing nonprofit accommodation to objecting for-profit companies. The accommodations say the organizations do not have to contract, arrange, pay or refer for contraceptive coverage, with insurers instead required to provide separate payments for contraceptive services for the women in the health plan of the organization, at no cost to the women or to the organization.
"As explained in the final rules, issuers will find that providing such payments is cost-neutral," a fact sheet released today says.
The proposal describes two alternative approaches for defining an objecting for-profit. Under one approach, the entity could not be publicly traded and ownership of the entity would be limited to a certain number of owners. Under the other, the entity could not be publicly traded and a minimum percentage of ownership would be concentrated among a certain number of owners. The number and concentration are not specified in the proposed rules.
• Wheaton College: The proposal would adjust the accommodation requirements. Currently, objecting nonprofits must notify their insurers, which some nonprofits have protested because that act triggers the provision of the contraceptives to which they object. In response, today's proposal says an eligible organization may notify the Department of Health and Human Services in writing of its religious objection to contraception coverage, and HHS will then notify the insurer.


text:
My car battery seems to have just enough power to start after sitting a couple days (it cranks a few times and starts slowing down then starts). I looked at these some time ago, but never built one. I also wanted to order some stuff from futurlec as they are considerably cheaper than digikey and I'm in no big hurry on this project (I've heard long lead times). Anyway, I haven't actually built anything yet. I should have plenty of time to do a pcb before the parts arrive.
I'm basing my design on Ron Ingraham's N-Channel desulfator. At some point I may try something with a attiny, but it seems over kill for this application at the moment.
Link to some info:
http://home.comcast.net/~ddenhardt20126 ... wpower.htm
EDIT: I've made several revisions and here are the latest files:
Lead Acid Battery Desulfator
Think you've got a good idea? Share it with us and it might just end up on the show!
Post Reply
1 post • Page 1 of 1
Lead Acid Battery Desulfator
Digging with a spoon will accomplish more than leaning on a shovel.
Post Reply
1 post • Page 1 of 1


text:
I received the following email in response to a previous posting about why a MOGOW would vote Republican. I have to agree with the author. George H. W. Bush is not an exemplary Republican. Two notes: first is that I am an autodidact economist; that is, I am self-taught. If I see far it is because I am standing on the feet of giants. Second is that a Goldwater Republican can and should stand up for liberty by voting not for Tweedledum, but instead for Michael Badnarik, Libertarian candidate for President. He won't get elected, not in America's winner-take-all two party system. But voting for him will send a clear message that the Republican party needs to move closer to the Libertarian party, just as the people who voted for Nader caused the Democrats to move farther to the anti-corporate, anti-market, anti-prosperity, pro-justice, pro-equality, pro-poverty position. They didn't waste their votes, and you won't be wasting yours by voting for Badnarik. The only way to waste your vote is to vote for someone because his opponent is worse.
I have no trouble seeing why MOGOWs would vote Republican. I do, however, have trouble seeing why anybody economically literate would vote Republican in this election (as opposed to past ones, which were understandable).
As the Economist magazine has said, George W. has invented a new classification of politician: "Big Government Conservative".
Even subtracting military & homeland security spending, George W. has increased government intervention in the economy by more than any president since LBJ. He has thrown over the "small government" Reaganism in favor of expansive intervention on the economic level - against free trade (remember Steel tariffs?), for expansion of government (notice the government spending levels?), for increased transfer & social payments (remember prescription drugs?).
I can completely understand if you wish to vote for him because of his international policies; I am consistently shocked when people let that or their past voting patterns blind them to Bush's surprise reversal on economic matters.
As one schooled in economics, you should be the first to be educating your readers that the real "tax" is government spending since it removes productive resources from other uses; the level of "tax" you pay only determines how much you pay now and how much gets added to your national debt tab. Bush has been the instigator behind many "deferred tax increases" while trying to persuade us they are tax cuts.
I'm forced to vote for the Democrats this year, not because Bush is too conservative, but surprisingly, because he's too liberal.


text:
ICD-10 Diagnosis Code S65.001A
Unsp injury of ulnar artery at wrs/hnd lv of right arm, init
Diagnosis Code S65.001A
Short Description: Unsp injury of ulnar artery at wrs/hnd lv of right arm, init
Long Description: Unspecified injury of ulnar artery at wrist and hand level of right arm, initial encounter
This is the 2019 version of the ICD-10-CM diagnosis code S65.001A
Valid for Submission
The code S65.001A is valid for submission for HIPAA-covered transactions.
Code Classification
- Injury, poisoning and certain other consequences of external causes (S00–T98)
Version 2019 Billable Code
Information for Medical Professionals
- 903.3 - Injury ulnar vessels (Approximate Flag)
Information for Patients
Hand Injuries and Disorders
No matter how old you are or what you do for a living, you are always using your hands. When there is something wrong with them, you may not be able to do your regular activities.
Hand problems include
- Carpal tunnel syndrome - compression of a nerve as it goes through the wrist, often making your fingers feel numb
- Injuries that result in fractures, ruptured ligaments and dislocations
- Osteoarthritis - wear-and-tear arthritis, which can also cause deformity
- Tendinitis - irritation of the tendons
- Disorders and injuries of your fingers and thumb
- Brachial plexopathy (Medical Encyclopedia)
- Claw hand (Medical Encyclopedia)
- Dupuytrens contracture (Medical Encyclopedia)
- Hand fracture - aftercare (Medical Encyclopedia)
- Hand or foot spasms (Medical Encyclopedia)
- Hand x-ray (Medical Encyclopedia)
- Radial nerve dysfunction (Medical Encyclopedia)
- Ulnar nerve dysfunction (Medical Encyclopedia)
[Read More]
Peripheral Nerve Disorders
Also called: Neuritis, Peripheral neuritis, Peripheral neuropathy
Your peripheral nerves are the ones outside your brain and spinal cord. Like static on a telephone line, peripheral nerve disorders distort or interrupt the messages between the brain and the rest of the body.
There are more than 100 kinds of peripheral nerve disorders. They can affect one nerve or many nerves. Some are the result of other diseases, like diabetic nerve problems. Others, like Guillain-Barre syndrome, happen after a virus infection. Still others are from nerve compression, like carpal tunnel syndrome or thoracic outlet syndrome. In some cases, like complex regional pain syndrome and brachial plexus injuries, the problem begins after an injury. Some people are born with peripheral nerve disorders.
Symptoms often start gradually, and then get worse. They include
- Numbness
- Pain
- Burning or tingling
- Muscle weakness
- Sensitivity to touch
Treatment aims to treat any underlying problem, reduce pain and control symptoms.
NIH: National Institute of Neurological Disorders and Stroke
- Axillary nerve dysfunction (Medical Encyclopedia)
- Chronic inflammatory polyneuropathy (Medical Encyclopedia)
- Common peroneal nerve dysfunction (Medical Encyclopedia)
- Distal median nerve dysfunction (Medical Encyclopedia)
- Femoral nerve dysfunction (Medical Encyclopedia)
- Glossopharyngeal neuralgia (Medical Encyclopedia)
- Metabolic neuropathies (Medical Encyclopedia)
- Mononeuritis multiplex (Medical Encyclopedia)
- Neuralgia (Medical Encyclopedia)
- Neuropathy secondary to drugs (Medical Encyclopedia)
- Peripheral neuropathy (Medical Encyclopedia)
- Radial nerve dysfunction (Medical Encyclopedia)
- Sensorimotor polyneuropathy (Medical Encyclopedia)
- Tibial nerve dysfunction (Medical Encyclopedia)
- Ulnar nerve dysfunction (Medical Encyclopedia)
[Read More]
Wrist Injuries and Disorders
Your wrist is made up of eight small bones known as carpals. They support a tube that runs through your wrist. That tube, called the carpal tunnel, has tendons and a nerve inside. It is covered by a ligament, which holds it in place.
Wrist pain is common. Repetitive motion can damage your wrist. Everyday activities like typing, racquet sports or sewing can cause pain, or even carpal tunnel syndrome. Wrist pain with bruising and swelling can be a sign of injury. The signs of a possible fracture include misshapen joints and inability to move your wrist. Some wrist fractures are a result of osteoporosis.
Other common causes of pain are
- Sprains and strains
- Tendinitis
- Arthritis
- Gout and pseudogout
- Colles wrist fracture - aftercare (Medical Encyclopedia)
- De Quervain tendinitis (Medical Encyclopedia)
- Wrist arthroscopy (Medical Encyclopedia)
- Wrist pain (Medical Encyclopedia)
- Wrist sprain - aftercare (Medical Encyclopedia)
[Read More]
ICD-10 Footnotes
General Equivalence Map Definitions
The ICD-10 and ICD-9 GEMs are used to facilitate linking between the diagnosis codes in ICD-9-CM and the new ICD-10-CM code set. The GEMs are the raw material from which providers, health information vendors and payers can derive specific applied mappings to meet their needs.
- Approximate Flag - The approximate flag is on, indicating that the relationship between the code in the source system and the code in the target system is an approximate equivalent.
- No Map Flag - The no map flag indicates that a code in the source system is not linked to any code in the target system.
- Combination Flag - The combination flag indicates that more than one code in the target system is required to satisfy the full equivalent meaning of a code in the source system.
Present on Admission
The Present on Admission (POA) indicator is used for diagnosis codes included in claims involving inpatient admissions to general acute care hospitals. POA indicators must be reported to CMS on each claim to facilitate the grouping of diagnoses codes into the proper Diagnostic Related Groups (DRG). CMS publishes a listing of specific diagnosis codes that are exempt from the POA reporting requirement.


text:
Travel from Paris (France) to Andorra la Vella (Andorra) by train (709 km): schedule and information to the train connection. Compare fares and buy your ticket.
To travel by train from Paris in France to Andorra la Vella in Andorra, you first travel by train to L'Hospitalet-près-l'Andorre (France). There you change to the bus for the last part.
Your travel route could be like that.1 Paris (France) - L'Hospitalet-près-l'Andorre (France) - Andorra la Vella (Andorra)
709 km
|Your train tickets and reservations at the best price/fares. Scroll down, read the details and make use of the booking links.
|Paris (France) - L'Hospitalet-près-l'Andorre (France) - Andorra la Vella (Andorra)
The route consist of more than one step. You have to buy more than one train ticket.
|Travelling from Paris to L'Hospitalet-près-l'Andorre (France)
To travel in France by train, buy your ticket via the following booking links. There you find schedules and ticket prices with discounts. Book early to get inexpensive train tickets. To travel long distances between the big cities of France, use a TGV high-speed train.
Click now to get a saver fare.
learn more about timetables and prices
Trainline provides a very simple and comfortable booking system for train tickets in several countries like to/from/in Austria, France, Germany, Italy, Spain, etc. Buy your train tickets without extra fees easily and securely here.
The following links could be interesting for you.TRAIN TYPES: Train types you are likely to travel with.
Train à Grande Vitesse (TGV) / TGV Elipsos France - Spain (TGV Elipsos) / TGV France - Italy (TGV) / TGV Alleo France - Germany (TGV Alleo) / TGV Lyria France - Switzerland (Lyria) / Intercités (IC) / Transport Express Régional (TER) / THALYS (THY) / Eurostar (EST)
NIGHT TRAINS: Night trains that might be suitable for this trip.
ICN 3981|83 Paris - Latour-de-Carol / ICN 5789/93 Paris - Briançon / EN 453/24J Paris - Moscow
FERRY: Ferry connections that might be helpful.
Calais - Dover / Cherbourg - Rosslare
SEARCH FOR TRAIN TIMES HERE: Online timetable information, on which you can find relevant, up-to-date connections.
rail.cc / Deutsche Bahn
|Travelling from L'Hospitalet-près-l'Andorre (France) to Andorra la Vella (Andorra)
To travel by train from France to Andorra, the last part has to be done by bus. First by train to L'Hospitalet-près-l'Andorre (France). There you change to the bus to Andorra la Vella.
Bus journey time is about 1:30h. The bus ticket price one-way: EUR 12,50.
Bus journey time is about 1:30h. The bus ticket price one-way: EUR 12,50.
Buy your ticket at the bus station or at the website of the bus company.
The following links could be interesting for you.BUS: Bus connections that might be helpful.
L'Hospitalet-près-l'Andorre - Andorra la Vella / Andorra la Vella - L'Hospitalet-près-l'Andorre
From Paris to Lyon and Marseille by Train
TGV or TER, what is your choice?
TGV or TER, what is your choice?
blog written by Flo
Little Yellow Train Video
Through the Pyrenees on a spectacular railway line.
Through the Pyrenees on a spectacular railway line.
blog written by Pete
From Nice to Turin
Across the Alps along the Tenda line.
Across the Alps along the Tenda line.
blog written by Flo
Find the best place to sleep here! Easy and secure booking.
Do you have questions about the connection between Paris and Andorra la Vella? Does something not work as it should? Just ask in our forum and get competent answers from our rail travel experts.


text:
Scott Kelby shows you how to add highlights, remove strands, fix gaps, change color, darken a part line, and hide roots when retouching hair in Photoshop. In this episode, Scott shows you how to fix fly-away hair, stray strands of hair, and the "frizzies".
Scott writes:
Retouching hair is one of the trickiest retouches, because the Clone Stamp tool and the Healing Brush tool usually give you pretty lame results. So, you usually have to move hair from one place to another to cover the problem, and this is one of the situations where you need to do just that—covering a gap in the hair caused by your subject's position, or movement, or a fan, or one of the dozen things that cause a gap to appear temporarily and mess up your shot. Here's the best way I found to fix it . . .
Step One: Here's the image we want to retouch, and you can see the gaps in her hair, just above her shoulders. Again, using the Clone Stamp tool or Healing Brush tool here would be a nightmare (and a dead giveaway), so instead, we're going to pick up chunks of nearby hair and use them to cover the gaps.
Step Two: Get the Lasso tool (L) and draw a selection over a chunk of hair that's near the gap you need to remove (as shown here, where I've selected an area just to the right of the gap on the left). You're going to need to soften the edge of this selection, so it blends in when we move it over the gap. So, go under the Select menu, under Modify, and choose Feather. When the Feather Selection dialog appears, enter 4 pixels and click OK. By the way, 4 pixels isn't a magical number—it's just my starting place. The higher the number, the softer (and more transparent) the edges will be, so if they seem too soft, try 3, or even 2.
Step Three: Now, press Command-J (PC: Ctrl-J) to place that chunk up on its own separate layer. Switch to the Move tool (V) and move that chunk layer over to the left until it covers the gap. Now, although it does sometimes happen, more often than not, it's not going to cover the gap perfectly and just blend right in with the hair around it. So, in the next step, you're going to have to tweak it, but don't feel like you made a bad selection—you nearly always have to transform the copied hair chunk a bit to make it work.
NEXT: Let's manipulate these selections to fit the hair perfectly
... continues on the next page!


text:
Jeff Otto O'Brien approached me a while back in regard to doing an interview about The Exposure Project for the Canadian online project 01 Magazine. I gladly accepted and the feature is now live amidst a plethora of other engaging essays, interviews, reviews and features that comprise Issue 4 (The "Photo Issue".)
Issue 4 includes, but is certainly not limited to: interviews with Peter Sutherland, Tim Barber, Jessica Eaton and Andrew Laumann, essays by Alexander Binder and Sam Falls, a look through Noah Kalina's book collection (which features my good friend and roommate Timothy Briner's handmade Boonville monograph) an exploration of the publishing house Gottlund Verlag, and, just to make sure all the bases are covered, a review of the new Lil Wayne record.
We would like to thank Jeff again for the opportunity, it was a lot of fun!


text:
Loyola University Chicago
June 30, 2019
FUNDS RAISED FOR St. Jude
More than 30 years ago, Tau Kappa Epsilon joined the fight against childhood cancer when Danny Thomas asked his fraternity help him with his cause. At the beginning of 2016, TKE pledged to raise $2.6 million towards the naming of the proton therapy synchrotron/particle accelerator in the Red Frog Proton Therapy Center. TKE's goal is to reach this commitment within six years. They have already raised $2 million towards this goal so far. The money raised by TKE Nation helps ensure families never receive a bill from St. Jude for treatment, travel, housing or food -- because all a family should worry about is helping their child live.
What your support means:
- Your support will help St. Jude Children's Research Hospital continue to lead the way the world understands, treats and defeats childhood cancer and other life-threatening diseases. Treatments invented at St. Jude have helped push the overall childhood cancer survival rate from 20 percent to more than 80 percent since it opened more than 50 years ago. St. Jude won't stop until no child dies from cancer.
- St. Jude freely shares the discoveries it makes, and every child saved at St. Jude means doctors and scientists worldwide can use that knowledge to save thousands more children.
When you register, you'll get:
- personal and team fundraising pages
- email templates to send to friends and family
- fundraising tips and videos


text:
healthcare, not warfare
This petition had 125 supporters
Call your representative at (202) 224-3121, etc., to ask if she/he is holding a town hall meeting this month. Go to the meeting and advocate for singlepayer healthcare; now :)
Our First Line of Defense :)
The right-wing, always so scornful of CODEPINK, has taken a page from our playbook and distorted it by disrupting congressional town hall meetings on health care. While we wholeheartedly support the practice of peaceful dissent, we can't stomach it when that dissent is based on ignorance or when the dissenters are actually thinly disguised lobbyists for the corporate health care industry.
We need to make sure that their angry, fear-mongering voices don't drown out the voices that can bring true reform to our nation's health care.
Call your representative at (202) 224-3121, to ask if she/he is holding a town hall meeting this month. Go to the meeting with your "Healthcare, Not Warfare" signs and make sure to ask your Congressperson hard questions about why we're channeling so much money for endless, unjust war that could be used to protect and care for the American people.
For inspiration, watch CODEPINK in action at a health care rally on July 30 here.
CODEPINK has long been a supporter of a single-payer healthcare system, also called Medicare for All.
There will actually be a vote on this in the U.S. House of Representatives after the August recess and we need to lobby our representatives to commit to voting Yes.
Another way we can support single-payer healthcare is by supporting Congressman Dennis Kucinich's amendment
that would let individual states create single-payer healthcare systems without the risk of having them blocked or tied up in the courts for years by insurance companies.
That's exactly how Canada evolved towards single-payer: one province at a time. Given the corporate-funded resistance to single-payer in Congress, the U.S. may have to follow the Canadian path.
Send a message directly to your Congressperson
to support the states' right to create single-payer, to support single-payer nationally, and if we don't get that, to support as strong a public option as possible.
If they ask you where to find the money, tell them to cut the military budget and end illegal wars. That's the best way to pay for our nation's first line of defense-our health.
To our collective health!
Dana, Desiree, Farida, Gael, Gayle, Janet, Jean, Jodie, Medea, Nancy K, Nancy M, Paris, and Rae
p.s. Our campaign to pressure the Israeli beauty products company AHAVA is working! "Sex & the City" star Kristin Davis, who has been a spokesperson for AHAVA as well as for the humanitarian group Oxfam, has been suspended from all goodwill publicity work by Oxfam, and the scandal has been covered by everyone from Page Six of the New York Post to the UK Telegraph! If you haven't yet joined our Boycott Ahava action team, sign up at www.stolenbeauty.org.Thanks for giving this boycott legs!
Call (202) 224-3121 to find your congressional town hall meeting and bring the "Healthcare, Not Warfare" message to the community!
Ask your Congressperson to support states' rights to single payer
Join our upcoming
Peace Delegation to Kabul!
Trending petitions
Today: james is counting on you
james nordlund needs your help with "healthcare, not warfare". Join james and 124 supporters today.
Today: james is counting on you
james nordlund needs your help with "healthcare, not warfare". Join james and 124 supporters today.


text:
Paris Womenswear A/W 2013
Gareth Pugh
Instagram by @leandrojusten at 16:25 Wed 27 Feb 2013:
Rehearsals are about the begin. #GarethPugh #PFW
Gareth Pugh: Live panel discussion
Lou Stoppard, Norman Rosenthal, Caryn Franklin, Daryoush Naj Hajafi and Rosanna Falconer discuss the Gareth Pugh show - plus the future of the catwalk in the digital age, opportunities for designers to work on projects outside of fashion and fashion's presentation of femininity and relationship with the female form - on 27 February 2013 at 18:30 GMT.
Gareth Pugh Autumn Winter 2013 Runway Collection


text:
It's Friday and Sketches:Creatively Yours has a new sketch up!! This week I used a pic of four of my kiddos at the coast here in Oregon. I titled it family and friends because that's what they are. They are family and best friends. Don't get me wrong, we have our fair share of name calling and finger pointing, but when it really counts the love is there. Here is my take on the sketch! I know it looks really different, but I chose to smush my elements together instead of keeping them separate.
I took some close ups. I really love the color of these flowers. So dang pretty!
The alpha titles are Dusty Attic chippies. Love these!! They come on small sheets with several different titles on one.
Thanks for stopping by and God Bless!!


text:
Eden's Work in Progress
Name: Eden
Location: Calgary, Alberta, Canada
Eden's room is a work in progress. We found out we were expecting when our first daughter was only eight months old, and then she arrived three weeks early to boot. With a newborn and a 16-month-old, we didn't have the energy to decorate her nursery with the same care and attention to detail that we had put into her big sister's room. But, it is finally starting to come together.
We live on the Canadian prairies and wanted this room to have a cozy but modern lodge feel. Our first nursery, including crib and change table, was still being used, so we wanted to keep our budget relatively low. The white IKEA Gulliver crib was a total score -- on sale for $49! And we repurposed a basic IKEA office table to use as a changing station. The black leather chair was on sale and, though it was a bit "bachelor pad" looking, I've tried to soften it up with a sheepskin and pillow.
To prevent the room from looking like we did all our shopping at IKEA, we added some special touches: the cardboard deer head, the Roll & Tumble print over the crib and -- my big splurge -- the wool Hudson's Bay Co. baby blanket.
I'm still looking for artwork or a mirror to put over the change table, and would love suggestions from your readers. But for now, we are happy with the simple calm space. The baby likes it, the toddler likes it, and when they are both happy, so am I!
Thanks Teresa!
(Images: Reader Teresa)


text:
National Park Service (NPS) Child Care Subsidy Program
Notification to U.S. National Park Service Families of Transition of Child Care Subsidy Administration from GSA to USDA effective October 1, 2016
To improve the quality and efficiency of our services, the U.S. General Services Administration has transitioned some of our financial operations to a financial shared service provided by the U.S. Department of Agriculture. This will include child care subsidy program administration for NPS families. The transfer of program administration will be effective on October 1st, 2016. The transfer is being planned to be seamless for families and child care providers, with no change in program policies or requirements and no reduction in quality of service or increase in processing time.
The GSA program application forms available on this site may be submitted to GSA through September 30th, 2016. On October 1st, 2016, GSA forms will no longer be available on this site and new USDA forms will be available on the USDA program website USDA Child Care Subsidy Administration for NPS. USDA's website will contain instructions for submitting forms. The site will not be live until Oct. 1, 2016.
You may submit invoices to USDA in the GSA format until notified by USDA of a change.
As always, you are welcome to contact GSA at 866-508-0371 with any questions or concerns you may have. For family assistance press 1 (providers press 2) and then 3 for NPS families. Note, however, that this phone number will transfer to USDA effective Oct. 1, 2016.
The GSA Child Care Subsidy Administration Team