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|Tinker FCU's branch in Moore, Okla., was decimated by an EF5 tornado on May 20, 2013. No lives were lost, and the CU has begun rebuilding the branch.
Does your credit union's disaster recovery plan account for natural disaster losses you're likely to experience?
Natural disasters can occur in almost every state in the U.S., and they exact a tremendous financial toll:
►Hurricane and tropical storm losses accounted for 42% of insured catastrophic losses from 1992 to 2011, followed by tornadoes (34%). Forecasters already are calling for an above-average Atlantic hurricane season, which began June 1.
►Last year the U.S. experienced 38,870 wildfires.
►Super-storm Sandy in 2012 caused nearly $19 billion in insured property losses.
►This spring's tornadoes in Oklahoma alone likely will cost in excess of $5 billion.
Your board should review your credit union's disaster plan so you're ready for any catastrophic losses that might occur.
The following three steps are essential to an effective plan:
1. Review and update your insurance coverage—including extra expense coverage.
Understand what your insurance does and doesn't cover. If your policy doesn't provide 100% replacement value for property, is your credit union prepared for the co-pay? Take into account any property improvements made to your facilities since you last updated your policy limits.
In addition, look closely at your coverage limits for extra expenses involved in providing member service during disaster recovery. It's difficult to overestimate what it will cost to run a credit union when a branch or main office has been damaged or destroyed.
Adequate "extra expense" and other coverage limits for buildings, business personal property, and data processing can be major factors in how quickly and completely you recover from severe damage and the indirect losses.
2. Practice your disaster response plan.
NCUA requires credit unions have a written plan for disaster recovery. But if employees have never seen and practiced implementing the plan, chances are it won't work when disaster strikes.
Ensure management has all employees read and practice the plan to work out any bugs. In an emergency, any one employee might have to make quick, important decisions.
3. Set up a specific emergency communication procedure.
When disaster strikes and you've been in touch with your insurance provider, your top priority should be communicating with employees. You want to see who's available and who needs help, and you want to share the plan for restoring member service.
Before disaster strikes, employees must know how to get in touch with the credit union in these situations. Every employee should have a "cheat sheet" with them, or at home, which details the first steps to take.
For example, the cheat sheet should provide alternate locations designated for temporary branch service. Board members also should have a cheat sheet.
Include phone numbers and emails (if phone/Internet service is available).
Essential Disaster Recovery Training Procedures
Three training exercises can bring your disaster recovery plan to life for employees who must implement it under difficult circumstances:
1. A structured walk-through. Involve all employees who play critical roles in conducting your credit union's business interruption procedures. Read through the plan together, step by step. Note any issues that arise during the walkthrough and clarify them before moving on to the following simulations.
2. Disaster simulation. The most practical type of simulation might be the "tabletop" format, where you conduct the exercise in a conference room or series of rooms, and employees gather in functional groups.
It generally takes two to four hours. You need a credible disaster scenario fully written, including a series of events that happen in timed segments. A facilitator explains the hypothetical events as they occur, and employees must carry out key elements of your business interruption plan.
3. Technical "hot site." Your plan should include procedures for running operations from alternate sites. The term "hot site" refers to a predetermined facility where the credit union will have access to its data, and the ability to conduct transactions.
This is a demanding test to set up, but it provides critical hands-on experience. A hot-site test should require employees to mobilize in the remote facility, establish communications with the necessary employees and vendors, and perform actual processing.
For more information on CUNA Mutual Group's Protection Resource Center.
JONI LOVINGOOD is a senior consultant, risk management, with CUNA Mutual Group.
This article appeared in the July issue of Credit Union Directors Newsletter.


text: "All international Hospitality specialists say the same thing: in our line of work, you have to be curious, determined, and speak as many languages as possible. Going to the Vatel Buenos Aires Campus in my second year allowed me to hone these three skills, as well as expanding my personal experience. Of course, at the beginning, I was a bit lost, because this is a big city, with a population of 15 million, a different culture and the Argentinian accent when speaking Spanish, but the School was there to help me out and my classmates also did everything possible so I would get this most out of this. I became more mature, with a more open mind, more proactivity, and increased work stamina. This is what helped me gain additional responsibilities in the internship I did in Uruguay, near Punta del Este, a Latin American luxury seaside resort. Hotel guests were mostly American, and this also helped me make a lot of progress in English, while experiencing another type of management, which was more Anglo-Saxon. I came back to my Vatel Home School for my third year, but also with job offers in Argentinia and in Uruguay. For the meanwhile, I haven't decided what I'm going to do, but I'm sure of one thing - this Marco Polo experience brought me one step closer to becoming an executive in hotel management."

subset: commoncrawl


text:
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Show your Yeti pride, cover up post-ride helmet hair on the podium or at your local watering hole with the Podium Hat. The flat brim gives plenty of room to sport your favorite sunnies and stay hidden from the sun... or your fans.
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Silverfish UK Ltd. (Registration No. 4075057).
Technical specifications are for guidance only and cannot be guaranteed accurate. All offers are subject to availability and while stocks last. Errors and omissions excepted. Silverfish UK Limited acts as a credit intermediary and only offers credit products for Klarna Retail Finance. Its registered office is: Klarna UK, 7th Floor, 33 Cavendish Square, Marylebone, London W1G 0PW. Credit is subject to application and status.


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ACCESS Virus C
FIG. 1: The Access VirusC is the third incarnation of a tabletop synth module that has inspiredlegions of enthusiastic fans. Plenty of front-panel controls make theVirus C a tweaker's delight..FIG. 2: On the Virus C'srear panel are connections for analog audio, MIDI, a pair of footcontrollers, and an external power supply.
The Access Virus has been around through three incarnations —first the Virus A, then the B, and now the C. The original Virus wasone of the earliest and most popular virtual analog synthesizers,digitally generating and processing sounds by crunching numbers ratherthan by manipulating voltages. The latest generation continues thetradition of providing all the functions of a real analog synth andmore, packaged in a compact form that offers plenty of hands-on control(see Fig. 1).
Four models — the tabletop Virus C, Rack XL, Virus kc(five-octave keyboard), and Indigo 2 (three-octave keyboard) —have identical DSP engines that physically model analog synthesis. (ATDM software version of the Indigo is available for Pro Tools, too.)The user interfaces are identical as well, with the exception of theRack XL's conservative five-knob front panel. For this review, I testedthe tabletop Virus C.
The Virus C's new DSP chip is an incremental step up — thougha large one — from the previous Virus B units. Polyphony has beenincreased from 24 to 32 dynamically allocated notes. Flexiblemodulation routing has always been a significant element of the Virusarchitecture and sound; the number of simultaneous modulation sourceshas doubled to six, and modulation destinations have grown from six tonine. There are now 98 simultaneous effects in multitimbral mode, andeach of the 16 parts has 3-band EQ, phaser, chorus, analog boost, ringmodulator, and distortion modules. A global effects section providesreverb and delay.
I especially appreciate the Virus C's 32 knobs, 35 buttons, and 69LEDs. Having access (pardon the pun) to so many simultaneous controlsencourages the user to experiment and minimizes the need to navigatetoo deeply into buried menus. The functions and parameters are betterorganized in the Virus C than in the B models. Many of the dedicatedknobs are self-explanatory, but you'll still need to spend some timeacquainting yourself with the interface, as some functions are notimmediately intuitive. For example, you navigate System and Multi Editparameters using a combination of the Part, Parameter, and Valuebuttons. If you don't have the manual to guide you, however, it'ssometimes confusing to perform a simple operation (such as changing theLCD contrast) that doesn't have a dedicated knob or button.
I'm quite unimpressed by the Virus C's display. The red-on-red LCDlooks cool, but the only good viewing angle is directly overhead. Nomatter what the contrast setting, leaning back from the synth reallycuts down on readability, and the useful viewing range becomes evenmore limited when you move from side to side. The LCD is the onlysubstantially weak spot of an otherwise stellar synthesizer.
As with previous generations, all models of the Virus C providethree pairs of outputs and a pair of unbalanced inputs (see Fig.2). The inputs let you route an external source to the Virus'sfilter, Saturation (a type of filter distortion that adds overtones),vocoder, and effects processor. The most obvious use for the inputs isprocessing drum loops and the like, but the Virus's Saturation andfilters sound so good that you can also use them to subtly ordramatically alter piano, guitars, or vocals in real time.
The nearly 200-page manual is well written except for a couple ofminor inaccuracies and a few grammatical and syntactic errors in thetranslated German text. The manual does a fine job of detailing theVirus's various features and functions without becoming a laboreddissertation. It supplies an excellent introductory tutorial thatacquaints you with the Virus and explains the basics of traditionalanalog subtractive synthesis. A PDF tutorial document on the AccessMusic Web site is a superb resource for analog synth programming and amust-read for synthesizer enthusiasts.
The Virus ships with 512 Programs and 128 Multi setups, but you candelete the internal demo and increase the number of Programs to 1,024.All 1,024 Programs are supplied on CD-ROM, but you can overwrite any ofthem with user sounds. Because the factory sounds are so good, though,you'll want to keep them available; to that end, the Virus ships with aVirus-only version of Emagic's SoundDiver editor-librarian software forthe Mac and Windows.
SoundDiver Virus really helps with certain aspects of programming,and its librarian functions are essential for Program management. TheAccess Music Web site continually offers downloads of new Programs fromprofessionals and hobbyists alike. Even before you start creating yourown sounds, the number of available Programs for the Virus is easily inthe thousands. SoundDiver Virus is a more elegant way to keep up withPrograms and Multi setups than simple SysEx dumps.
Each Multi, including layers and splits, can contain as many as 16Programs. Each Multi has its own tempo, volume, transposition,detuning, and output assignments that override those at the Programlevel. It's a drag that you can't offset any filters or envelopes atthe Multi level — a feature found in units as simple as theRoland Sound Canvas. However, the Virus C provides so many RAMlocations that it's not a big deal to edit a Program and save it to anew location for use in the Multi, and you can still modulate Programsin Multi mode.
A single Virus sound can have as many as three oscillators (four ifyou count the suboscillator). But because engaging oscillator 3 reducesthe polyphony from 32 to approximately 24 notes, many Programs use onlytwo oscillators. A variety of waveforms are available, with many stepsin between that gradually change the shape from one form to another.The Virus lets you step through wavetables as you can in the PPG Waveand Korg Wavestation. Noise, FM, ring modulation, and sync features arealso available for all three oscillators.
The Virus's filters are simply outstanding. The dual resonant,multimode filters can operate independently in lowpass, highpass,bandpass, or band-stop modes, either in series or parallel. They offerfour filter slope and routing choices: Serial-4 (two poles per filter);Serial-6 (four poles for filter 1 and two poles for filter 2);Parallel-4 (two poles per filter), and Split (identical to Parallel-4,but with an independent input to each filter). When the filters are inSplit mode, oscillator 1 is linked to filter 1, and oscillators 2 and 3are routed to filter 2; the results are panned hard left and right,respectively. A dedicated Filter Balance knob adjusts the outputbetween the two filters; modulating the Balance sounds very cool.
Regardless of the filter routing, the Saturation stage alwaysfollows filter 1. Ten Saturation types range from mild to wild. You canmodulate Saturation using a knob, envelope, or LFO. In addition tocreating distorted sounds, the Saturation effect is useful in subtlerways to simply fatten up timbres. Modulating Saturation has become astaple of the Virus sound, and it's not likely to fall out of fashionfor a while.
Each Program has three LFOs. An envelope mode allows each LFO tocomplete one cycle and then stop, which is useful for further modifyinga sound's attack transient stage. LFO 1 and 2 can be synced andassigned to any destination. A modulation matrix provides six sourcesand nine destinations for more elaborate mod routings. In addition tothe mod matrix, Note Velocity has its own dedicated modulationrouting.
Using knobs to modulate Virus parameters in real time is a gas. Forme, it has made electronic music fun again, because I can work morequickly than I can using software. Because the latest OS increases theinternal clock's resolution, the Virus can follow a multitude ofsequenced modulations and drastic tempo changes simultaneously withoutthe slightest hiccup when it's synced to MIDI Clock.
The Virus C is one of the best-sounding synths I've ever laid myhands on. I've either owned or used a variety of classic synths overthe years, and I have a great collection of modern softwareinstruments, but the Virus C is my favorite. Ballsy basses, sweet pads,otherworldly atmospheres, screaming leads, vocoder effects, pulsingarpeggiated beds, electronic percussion — you name it, the VirusC does it. The Virus can transparently float in the background like asheer veil or stand shoulder-to-shoulder with heavy-metal guitar. Thissynthesizer is so versatile and sounds so impressive that it mightnever go out of style.
The Virus has become the first place I turn for synth basses, pads,and arpeggios. The subbasses can rumble the pictures off the walls;when I layer them with some of the throatier bass Programs, thecombination sounds killer on everything from a huge audio system with asubwoofer to a little Auratone mono cube speaker. I used to spend a lotof effort programming and processing to create massive bass sounds thatstill sounded good on little speakers, but thanks to the Virus, nowit's a piece of cake.
I love the Virus's transparency. Some synths are all meat, andothers are thin as air; the Virus can be both. I have found and createdpads that are so diaphanous that you hardly know they're there. I'veused them to outline chord structures behind an acoustic guitar andvoice, for example, without disrupting the basic feel of a simple duo.I set up the Saturation and oscillator balance to slowly fade in thesound's thicker elements. The result is like a transparent ghost thatcan slowly materialize into a solid form — a production techniquethat doesn't make the guitar and voice sound overproduced.
The Virus's envelopes have a very fast attack — somewherearound 20 µs — allowing the Virus to sound extremely punchy.Coupled with the signature Saturation stage, the Virus can rip and roarwith the heaviest guitar rigs. Basses thump and lead sounds blaze.Nasty industrial sounds are usually just a few knob turns away. If theenvelopes aren't enough, a Punch parameter adds even more oomph to theattack.
The Virus supplies a handful of analog drum and percussion sounds,but most are haphazardly scattered around the various Banks. It canemulate practically any analog drum machine, and several synthesizedcollections are available on the Web. I usually prefer the punchinessand beefiness of the Virus's sounds to most of my analog drum samples.Granted, a lot of ready-made analog drum samples are out there, but ifyou don't have a collection of vintage drum machines, it's refreshingto have so much control over percussive sounds rather than beinglimited to a sample's static nature.
One of the features that first attracted me to the Virus was itsimplementation of arpeggiators. Forty preset patterns are available,some of them quite complex. All are geared toward 4/4 meter rhythms,however; perhaps a future OS update will provide programmablearpeggiators that support odd rhythms. The next update, which should beavailable by the time you read this, will include 24 additionalpatterns.
In the past few years, the Virus's stock arpeggio patterns havebecome classics heard on many hit tunes. The usual suspects areaccounted for: up, down, up/down, random, as played, and block chords.You can specify the Velocity, octave range, swing percentage, clockmultiplier, and note length.
Sixteen arpeggiators are available in Multi mode, with one assignedto each part or with multiple arpeggios assigned to a single channel.You can have 16 independent arpeggios running on a single sound,allowing you to create ostinatos that are truly inspiring — youhave to hear it to fully appreciate it.
Although the arpeggiators lack a dedicated tempo knob, you canassign one of the two soft knobs to control tempo. However, I'd ratherleave the soft knobs for more important assignments, such as number ofoctaves or note length. Unless you're viewing the Edit menu, tempoisn't displayed in beats per minute (bpm); rather, because the softknobs are unaware of what parameter you're editing, tempo is shown inarbitrary values from 0 to 127. Most of the time you'll probably wantto sync the Virus to a sequencer anyway, so perhaps it's not a bigdeal; tempo chases MTC flawlessly.
I love this box. I had grown bored with tweaking electronic sounds,but the Virus C helped me regain my enthusiasm by making it so simpleand intuitive to grab knobs and start turning. I haven't even mentionedthe vocoder, which offers as many features as almost any dedicatedvocoder. I also like the Random button that generates new timbres onthe fly when you're feeling stuck; I've created some great sounds usingthat feature as a jumping-off point. It's just impossible to cover thissynth thoroughly within the scope of a review.
I do have a few criticisms: I'm not crazy about the LCD screen, andI'd rather have a dedicated internal power supply than the Virus'slump-in-the-line external supply. Digital audio ports would be awelcome addition. And as great as the arpeggios are, I hope for evenmore features in future OS updates.
Access Music has maintained an excellent policy of frequentlyupdating its products, old and new alike. The company obviously wantsto add as much power and as many features as the original hardwaredesign will allow, which has led to significant updates for Virus A andB owners in the past. That policy makes me even more comfortableinvesting in a Virus product, because it's been demonstrated that I canexpect more features in the future.
But it's the filters, Saturation, arpeggiators, and modulationcapabilities — and especially the sounds — that make theVirus C so desirable. If I could own only one synthesizer strictly forelectronic sounds, it would be the Virus C. Its tabletop form factor isperfect for me because it's compact enough to transport easily, yetit's very easy to program. Whenever I put the Virus up against most ofmy other synths — hardware or software — it makes themsound kind of puny. The Virus C's heavyweight, professional tone putsit in the league of the elite.
Producer and musicianRob Shrockhas worked withBurt Bacharach, Elvis Costello, Dionne Warwick, and manyothers.
Virus C
analog modeling synth module
PROS: Killer sound. Smooth parameter control. Excellentarpeggiators. Random Program creation.
CONS: LCD hard to read at certain angles. Somewhat complexmenus and interface. Arpeggio patterns only in 4/4 meter. Scrollingthrough sounds by category requires two hands. Lump-in-the-line powertransformer. No digital audio I/O.
Access Music/GSF Agency/TSI
International Sales (distributor)
tel. (310) 452-6216
e-mail email@example.com
Web www.access-music.de
If you're a fan of electronic-music timbres, I suggest wiring theVirus's inputs to your patch bay so that you'll always have themreadily available as part of your everyday working setup. (The TDMversion also allows you to process external signals.) As much as I loveplug-ins in general, I find processing with hardware more desirablebecause it's more immediate, it allows me to process soundsbefore they're recorded, and it simply sounds better. (I'verecently become enamored with taking some of my detailed orchestralstring sequences and processing them through the Virus for a sort ofupdated Electric Light Orchestra sound.)
I like to route good sounds from other synths through the Virus tocreate even better sounds. You can use your sequencer to record anyparameter modulation you apply. You can also route external sourcesinto the Virus unaffected, bypassing the internal DSP engine and simplymixing the external input with the Virus's output without an externalmixer.
Whether or not you're processing an external source, the Virus canboost its input level as much as 20 dB before and an additional 36 dBafter A/D conversion. It can accommodate a wide range of levels, from amicrophone to an electric guitar to a turntable, but significantinput-level boosts can increase the source's noise. If you're usingextremely low-level sources, then it's better to use a preamp or otherhigh-quality gain stage. Still, it's convenient that the Virus's inputscan deal with just about any source level when necessary. The Virus hasa phono-input setting with a special EQ curve to accommodate thefrequency response of record players — perfect for DJs who wantto use the Virus alongside a turntable.
Virus C Specifications
Sound Engine
analog synthesis modeling
(32) notes
Multitimbral Parts
Analog Audio Inputs
(2) unbalanced ¼" TS
Analog Audio Outputs
(6) unbalanced ¼" TS; (1) ¼" stereo headphone
Digital I/O
MIDI Ports
In, Out, Thru
Additional Control Inputs
(1) ¼" TS switch; (1) ¼" TS pedal
Program Memory
(1,024) Programs; (128) Multis (all rewritable)
DSP Resolution
24-bit internal; 24-bit D/A; 16-bit A/D
(3) main and (1) suboscillator per voice; sawtooth, pulse, sine,triangle, and 62 spectral waves; FM
(2) multimode (lowpass, highpass, bandpass, band-stop); (4)serial/parallel configurations
Envelope Generators
(2) ADSTR (T = time)
(3) with (68) waveshapes
Modulation Matrix
(6) sources; (9) destinations
(98) simultaneous: boost, chorus/flanger, delay, distortion, EQ,phaser, reverb, ring modulator, vocoder
Power Supply
external in-line adapter
6.28 lb.


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|Biosequences .. Software .. Molbio soft .. Network News .. FTP
Dear Colleagues, we would like to invite you to join our mailing list to receive information about events taking place at the European Molecular Biology Laboratory. Please use the following link to subscribe to our mailing list to receive our newsletter, event posters or e-announcements: http://www.embl.de/training/courses_conferences/cco/contact/information/index.html If you do not wish to receive any information from EMBL, please reply with the subject "unsubscribe". Thanks for your interest in our events. Best wishes, the Team of the EMBL Course & Conference Office ......................................................................................................... European Molecular Biology Laboratory Course & Conference Office Meyerhofstr. 2 69117 Heidelberg Germany Email: conferences from embl.de


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Burt Lake is a 17,120 acre lake located in Cheboygan County and is Michigan's 4th largest inland lake. The western shore of the lake is on the boundary with neighboring Emmet County. The lake is named after William Austin Burt, who, together with John Mullett, made a federal survey of the area from 1840 to 1843. A neighboring lake is named after Mullett.
The lake is approximately 10 miles long from north to south, about 5 miles at it's widest, and 73 feet at its deepest. Major inflows to the lake are the Maple River, which connects with nearby Crooked Lake, and the Sturgeon River which enters the lake near the point where the Indian River flows out of the lake into nearby Mullett Lake.
Burt Lake is part of Northern Michigan's Inland Waterway, a 40 mile long chain of lakes and rivers. It runs through Pickerel Lake, Crooked Lake, Crooked River, Burt Lake, Indian River, Mullett Lake, Cheboygan River and finally into Lake Huron.
Burt Lake is known for it's wide span of water and beautiful bays. There are two nature preserves on Burt Lake, Seven Springs Nature Preserve and Colonial Point Forest/Chaboiganing Nature Preserve. Additional, the township Park, DeVoe Beach, as well as Burt Lake State Park, offer gorgeous sandy beaches for swimming.
A historical marker can be found at Burt Lake State Park and it reads: The glaciers of the last Ice Age retreated to the north some 25,000 years ago, leaving behind the lakes that rank as Michigan's most notable and geographical feature. Among the state's largest inland lakes is Burt Lake, named after William A. Burt, who, together with John Mullett, made a federal survey of the area from 1840 to 1843. By following the Cheboygan River, Mullett Lake, and Indian River to Burt Lake, then up Crooked River to Crooked Lake, Indians and fur traders had only a short portage to Little Traverse Bay. Thus they avoided the trip through the Straits. Completion of a lock on the Cheboygan in 1869 opened this inland waterway to the Cheboygan Slack Water Navigation Company, whose vessels carried passengers and freight until railroads put it out of business. Day-long excursions over these waters became popular with tourists.


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Krieger earned his first career Ivy League Player of the Week honor after going 2-0 a week ago (Gil Talbot).
CAMBRIDGE, Mass. – Harry Krieger has been named the Ivy League Player of the Week after backstopping the Harvard men's lacrosse team to a pair of victories last week.
Krieger recorded a total of 28 saves while allowing just 11 goals in wins over Bryant (7-5) and Dartmouth (9-6). The senior stopped a season-high 15 shots on Wednesday while giving up just one first half goal to the Bulldogs, and added 13 saves and four ground balls on Saturday against the Big Green. Krieger finished the week with a .718 save percentage and a 5.50 goals against average.
Krieger currently ranks third in the Ivy League with an 8.29 goals against average and leads the Ancient Eight with a .586 save percentage and 11.71 saves per game. He has played every minute in goal this season for the Crimson and sports a 4-3 record.
This marks the first Ivy League Player of the Week award of Krieger's career. He was named the conference's rookie of the week once as a freshman and has been tabbed the NEILA Player of the Week three times, including once already this season.


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Watch free live webcast of South Siders' desert finale
Gavin Floyd will be on the hill today at 2:05 p.m. CT, live on a free exclusive whitesox.com webcast, vs. the Brewers in the final Cactus League tilt. Floyd is scheduled to throw six innings or 110 pitches. Will Ohman is also scheduled to pitch. Watch live webcast | Gameday | Boxscore
Or click the video below and wait 4-5 seconds (the video at the whitesox.com webcast can be expanded to full-screen):
Vodpod videos no longer available.


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|"We can't sit by the sidelines on this one," says Cornerstone CU League CEO Dick Ensweiler.
We're all responsible for the protection of credit unions' tax exemption and the preservation of credit union principles, Cornerstone Credit Union League CEO Dick Ensweiler told attendees at the league's Leadership Conference & Expo in San Antonio.
He urged credit unions to participate in "Don't Tax My Credit Union," a national campaign dedicated to ensuring Congress doesn't raise taxes on the nation's 96 million credit union members by removing the credit union tax exemption.
"We can't sit by the sidelines on this one," Ensweiler says. 'We have to do everything we can today to protect our tax-exempt status."
Congress, he adds, must understand the impact credit union taxation would have on consumers.
Ensweiler encouraged attendees to visit DontTaxMyCredit Union.org and to participate in the second "Don't Tax Tuesday" event Sept. 10, which welcomes back members of Congress following their summer break.
Ensweiler also spoke of the importance of preserving the credit union philosophy of "people helping people."
"It's exhilarating," he says, "to know that credit unions are helping members solve their problems and enhance their lives."


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Today marks the sixth anniversary (blogiversary) of my blog! Six years of writing about a myriad of topics — some controversial, some very personal, some heartbreaking, some educational, and some just plain fun.
Looking for an outlet to share my passions and ups and downs of parenthood, I started blogging when my daughter Ava was eight months old and have been writing — albeit sometimes more regularly than others — ever since.
I wanted to take this opportunity to thank all of you who've been a part of my blog over the years — whether you are a reader, a commenter, an advertiser, a sharer, a collaborator, or perhaps a little of each — I have been blessed to make connections with so many of you. Staying at home with my then babies and now kids can be a somewhat isolating experience, but thanks to blogging and other forms of social media, I have a community — a tribe — of which I feel fortunate to belong. We laugh together. We cry together. We share stories, empathize, debate, raise awareness and educate together. You know who you are and I love you all.
For old time's sake, I thought I'd highlight just a few of the posts that have either meant a lot to me or have received a lot of feedback over the past six years. Here they are, in no particular order.
- Breastfeeding until age 3, 4 or 5: More common than you think? – originally posted Jan. 2, 2009
- My Road to Recovery from Generalized Anxiety Disorder – originally posted June 11, 2009
- The Circumcision Post – originally posted Nov. 6, 2006
- The Updated Nestle Product Boycott List – originally posted Oct. 7, 2009
- Nursing a Toddler while Pregnant – originally posted Oct. 30, 2006
- Why Bother? (about living a green lifestyle) – originally posted April 28, 2008
- Toys, Tots and Toxic Paint Don't Mix – originally posted Aug. 15, 2007
- Grieving the loss of my sister Carrie – originally posted Nov. 8, 2010
- One Year Later: Julian's Footling Breech Home Birth Story – originally posted Nov. 28, 2007
- Best Granola Recipe Ever – originally posted Sept. 7, 2008
Thank you again for welcoming Crunchy Domestic Goddess into your lives. *hugs*
Don't miss a single CDG post, subscribe to my blog.


text: Refund of imputation credits: application & instructions for individuals 2001 If you prefer to read this document in portable document format, download a copy of this document here (PDF, 585kB)This link will download a file. For Australians who receive dividends from shares or distributions from managed funds but do not have to lodge a tax return. Last modified: 13 Feb 2019QC 16274


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According to Allstar Coaches, the RV rental industry is poised to have its best year ever, thanks in part to the highest air fares seen in more than three decades.
"The airline industry's seemingly relentless commitment to create innovative new ways to bilk consumers is finally driving them away," the Florida-based firm stated in a news release. "With no end in sight, even with fuel prices steadily declining, the cost of air travel continues to rise, reaching levels that travelers haven't seen since Congress was forced to step in with the Airline Deregulation Act in 1978."
RV rental companies such as Allstar Coaches appear to be the largest beneficiaries of airline industry's actions and are reaping the rewards. Allstar, who specializes in luxury motorhome rentals, is reporting their highest volume since opening in 2006.
"For years airlines have been taking more and doing less. The public has had enough and is finally pushing back," said Rob Tischler, CEO of Allstar. "Now that the levy has broken, we are here to help pick up the pieces. Now, to add just a bit more salt to an already gaping wound, the TSA along with several major airlines have proposed to double the mandatory security fee on every ticket sold."
Customer Testimony
Doreen Santos, a registered nurse who resides in Allentown, Pa., with her husband and three boys, was shocked when she learned that airfare to Orlando that usually cost her about $200 per person was now going for more than $500. Determined not to give up their vacation, the family decided to rent an RV and make the journey to Florida part of their adventure.
"We've gone to Disney every year since the kids were born. I couldn't even imagine having to tell them we couldn't go this year," said Santos. "My kids were ecstatic when they found out we were taking an RV. When all was said and done, without the hotels and airfare, we saved about $2700."
Families looking to head out on the highways in an RV can save money at virtually every turn. Without the added burden of overpriced hotels and airfares, there isn't a need for rental cars or expensive restaurants. Allstar's rental units are equipped with full functional kitchens, spacious, comfortable cabins and come outfitted with everything one would expect to find in a luxury vacation rental. "Ours just happen to have a couple sets of wheels attached," said Von Isanogle, Allstar's fleet manager.
For additional information on motorhome rentals in Florida and across the USA, contact Allstar Coaches at (866) 838-4465 or http://www.allstarcoaches.com.


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Arvest Bank is pleased to announce Erika Lucas has joined the Arvest Bank Oklahoma City Board of Directors.
Lucas is the founder and CEO of StitchCrew, a consultancy and project management firm helping technology organizations conceive, design and scale through innovative business modeling, marketing strategies and operational efficiencies. She also works with venture capital firms in established regions looking to invest outside traditional technology hubs and partners with economic development organizations to develop startup communities and capture innovation-driven entrepreneurship in order to grow the innovation economy in the Midwest.
"Erika's business experience and vision will be a great asset to Arvest and we are fortunate to have her vision and leadership as a part of our board," said Ron Witherspoon, president of Arvest Bank Oklahoma City. "We are delighted to have Erika as a part of our team and are looking forward to her first meeting with us later this month."
Prior to launching StitchCrew, Lucas was vice president of marketing and communications for a private equity firm investing exclusively in aerospace and defense companies, and was responsible for onboarding new acquisitions into the firm's operating business model. She also developed growth strategies, along with scalable operating models, for portfolio companies by working closely with the leadership team of each company to ensure governance and growth trajectory were in line with defined investment goals.
Additionally, Lucas spent six years at the Oklahoma Department of Commerce, leading the foreign direct investment and trade team, as well as the marketing and communications team. During her tenure, a total of 38 international companies located or expanded in the state, accounting for $260 million in investment and 4,100 direct jobs.
Born and raised in Mexico, Lucas began her career facilitating the establishment of international manufacturing companies in her home country, from site selection and incentive negotiation to running the administrative side of the in-country operation.
Lucas also is a board member for the Oklahoma City-County Health Department, the Potts Family Foundation, the Port Authority of the Greater Oklahoma City Area and the Oklahoma City Energy FC.
Submitted questions will be answered by an Arvest banker and may appear on the Arvest Blog.
All Arvest banks are Equal Housing Lenders and Member FDIC.
Investment products and services are provided by Arvest Investments, Inc., doing business as Arvest Asset Management, member FINRA/SIPC, an SEC registered investment adviser and a subsidiary of Arvest Bank. Trust services are provided by Arvest Bank. Insurance products are made available through Arvest Insurance, Inc., which is registered as an insurance agency. Insurance products are marketed through Arvest Insurance, Inc., but are underwritten by insurance companies.
Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency, May Lose Value, Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate.


text: Main Content Committee Bill Records Search printer friendly Click here if you would like to refine these Committee Bill Records by sponsor, meeting, status and more! Selecting from the following options and click "Search Committee Bill Records". Representatives Afendoulis, Lynn Albert, Thomas Alexander, Julie Allor, Sue Anthony, Sarah Bellino, Joseph Berman, Ryan Bolden, Kyra Harris Bollin, Ann Brann, Tommy Brixie, Julie Byrd, Wendell Calley, Julie Cambensy, Sara Camilleri, Darrin Carter, Brenda Carter, Tyrone Chatfield, Lee Cherry, John Chirkun, John Clemente, Cara Cole, Triston Coleman, Kevin Crawford, Kathy Eisen, Gary Elder, Brian Ellison, Jim Farrington, Diana Filler, Graham Frederick, Ben Garrett, LaTanya Garza, Alex Gay-Dagnogo, Sherry Glenn, Annette Green, Phil Greig, Christine Griffin, Beth Guerra, Vanessa Haadsma, Jim Hall, Matt Hammoud, Abdullah Hauck, Roger Hernandez, Shane Hertel, Kevin Hoadley, Jon Hoitenga, Michele Hood, Rachel Hope, Kara Hornberger, Pamela Howell, Gary Huizenga, Mark Iden, Brandt Inman, Larry Johnson, Cynthia Johnson, Steven Jones, Jewell Kahle, Bronna Kennedy, Sheryl Koleszar, Matt Kuppa, Padma LaFave, Beau LaGrand, David Lasinski, Donna Leutheuser, Eric Liberati, Frank Lightner, Sarah Lilly, Jim Love, Leslie Lower, James Maddock, Matt Manoogian, Mari Marino, Steve Markkanen, Gregory Meerman, Luke Miller, Aaron Mueller, Mike Neeley, Sheldon O'Malley, Jack Pagan, Kristy Paquette, Brad Peterson, Ronnie Pohutsky, Laurie Rabhi, Yousef Reilly, John Rendon, Daire Robinson, Isaac Sabo, Terry Schroeder, Andrea Shannon, Nate Sheppard, Jason Slagh, Bradley Sneller, Tim Sowerby, William Stone, Lori Tate, Joseph VanSingel, Scott VanWoerkom, Greg Vaupel, Hank Wakeman, Rodney Warren, Rebekah Webber, Michael Wendzel, Pauline Wentworth, Jason Whiteford, Mary Whitsett, Karen Wittenberg, Robert Witwer, Angela Wozniak, Douglas Yancey, Tenisha Yaroch, Jeff Senators Alexander, Betty Jean Ananich, Jim Barrett, Tom Bayer, Rosemary Bizon, John Brinks, Winnie Bullock, Marshall Bumstead, Jon Chang, Stephanie Daley, Kevin Geiss, Erika Hertel, Curtis Hollier, Adam Horn, Kenneth Irwin, Jeff Johnson, Ruth LaSata, Kimberly Lauwers, Dan Lucido, Peter MacDonald, Michael MacGregor, Peter McBroom, Ed McCann, Sean McMorrow, Mallory Moss, Jeremy Nesbitt, Aric Outman, Rick Polehanki, Dayna Runestad, Jim Santana, Sylvia Schmidt, Wayne Shirkey, Mike Stamas, Jim Theis, Lana VanderWall, Curtis Victory, Roger Wojno, Paul Zorn, Dale Senate Committees Advice and Consent Agriculture Appropriations Economic and Small Business Development Education and Career Readiness Elections Energy and Technology Environmental Quality Families, Seniors and Veterans Finance Government Operations Health Policy and Human Services Insurance and Banking Joint Committee on Administrative Rules Judiciary and Public Safety Local Government Michigan Law Revision Commission Natural Resources Oversight Regulatory Reform State Drug Treatment Court Advisory Committee Transportation and Infrastructure Only items with status Sort by BillSort by SponsorSort by Committee NATURAL RESOURCESSorted by: SequenceNo Committee Home Page: Natural ResourcesChair: Ed McBroomClerk Phone: 5173735312 Click for a list of only bills that are currently in committee. All bills ever referred to this committee. Bill/ResolutionCommitteeSponsorSubject HB 4018 of 2019Natural ResourcesAllor, SueNatural resources; fishing; illegal taking of sturgeon; revise penalty for. Amends sec. 48738 of 1994 PA 451 (MCL 324.48738). HB 4227 of 2019 (PA 47 of 2019)Natural ResourcesCambensy, SaraNatural resources; mining; committee on mining future; create as advisory body. Creates & repeals new act. HB 5002 of 2019Natural ResourcesHowell, GaryNatural resources; fishing; purchase of all-species fishing license by individuals under 17 years of age; exempt from additional charges. Amends sec. 43532a of 1994 PA 451 (MCL 324.43532a). TIE BAR WITH: HB 5003'19 HB 5003 of 2019Natural ResourcesBrixie, JulieNatural resources; fishing; purchase of all-species fishing license by individuals less than 17 years of age; allow. Amends sec. 43532 of 1994 PA 451 (MCL 324.43532). TIE BAR WITH: HB 5002'19 SB 0031 of 2019Natural ResourcesVictory, RogerRecreation; state parks; recreation passport requirements and uses; expand to include designated trailheads and state forest campgrounds. Amends secs. 2001, 72302, 74101, 74116, 74117, 74120, 74122, 78101, 78105 & 83106 of 1994 PA 451 (MCL 324.2001 et seq.) & repeals sec. 78119 of 1994 PA 451 (MCL 324.78119). SB 0032 of 2019Natural ResourcesVictory, RogerVehicles; registration; recreation passport fee information on registration application; include authorization to enter campgrounds and trailheads. Amends sec. 805 of 1949 PA 300 (MCL 257.805). TIE BAR WITH: SB 0031'19 SB 0035 of 2019Natural ResourcesVanderWall, CurtisNatural resources; hunting; criteria and requirements for the taking of deer during the youth hunt weekend; establish. Amends 1994 PA 451 (MCL 324.101 - 324.90106) by adding sec. 43537a. SB 0036 of 2019Natural ResourcesVanderWall, CurtisNatural resources; hunting; transfer of private-land antlerless deer license to immediate family member; allow. Amends sec. 43527a of 1994 PA 451 (MCL 324.43527a). SB 0037 of 2019Natural ResourcesVanderWall, CurtisNatural resources; hunting; feeding or baiting deer; allow. Amends secs. 40102 & 40111a of 1994 PA 451 (MCL 324.40102 & 324.40111a). SB 0105 of 2019Natural ResourcesVanderWall, CurtisNatural resources; sand dunes; issuance of a variance to a public entity; provide criteria for. Amends sec. 35317 of 1994 PA 451 (MCL 324.35317). SB 0130 of 2019Natural ResourcesMoss, JeremyNatural resources; gas and oil; setback for wells near certain residential areas; modify. Amends 1994 PA 451 (MCL 324.101 - 324.90106) by adding sec. 61506d. SB 0131 of 2019Natural ResourcesLucido, PeterNatural resources; gas and oil; setback for wells near certain residential areas; modify. Amends sec. 61506b of 1994 PA 451 (MCL 324.61506b). SB 0366 of 2019Natural ResourcesMcBroom, EdNatural resources; hunting; discounts on nonresident licenses; provide for under certain circumstances. Amends secs. 43504, 43523a & 43523b of 1994 PA 451 (MCL 324.43504 et seq.). TIE BAR WITH: SB 0367'19 SB 0367 of 2019Natural ResourcesVanderWall, CurtisNatural resources; hunting; discounts on certain nonresident licenses; provide for under certain circumstances. Amends secs. 43527a, 43528b & 43532 of 1994 PA 451 (MCL 324.43527a et seq.). TIE BAR WITH: SB 0366'19 SB 0389 of 2019Natural ResourcesDaley, KevinNatural resources; fishing; commercial fishing statute; update. Amends secs. 47301, 47302, 47303, 47305, 47306, 47307, 47308, 47309, 47310, 47311, 47312, 47313, 47314, 47315, 47316, 47317, 47318, 47320, 47321, 47322, 47323, 47324, 47325, 47326, 47327, 47328, 47329 & 48724 of 1994 PA 451 (MCL 324.47301 et seq.); adds secs. 47304 & 47363 & repeals secs. 46101, 46102, 47301a, 47319, 47330 - 47362, 47901 - 47905 & 48901 of 1994 PA 451 (MCL 324.46101 et seq.). SB 0391 of 2019Natural ResourcesZorn, DaleRecreation; state parks; recreation passport fee; modify distribution of revenue. Amends sec. 2045 of 1994 PA 451 (MCL 324.2045). TIE BAR WITH: HB 4486'19, HB 4776'19 SB 0392 of 2019Natural ResourcesZorn, DaleVehicles; registration; recreation passport fee; include in renewal of vehicle registration unless applicant opts out. Amends sec. 805 of 1949 PA 300 (MCL 257.805). TIE BAR WITH: HB 4776'19, HB 4775'19 SB 0405 of 2019Natural ResourcesHollier, AdamRecreation; state parks; recreation passport fee; modify definition of. Amends sec. 2001 of 1994 PA 451 (MCL 324.2001). TIE BAR WITH: HB 4486'19, HB 4775'19 SB 0431 of 2019Natural ResourcesHollier, AdamLand use; zoning and growth management; mining; modify conditions under which zoning ordinance may prohibit. Amends sec. 205 of 2006 PA 110 (MCL 125.3205). SB 0634 of 2019Natural ResourcesIrwin, JeffNatural resources; gas and oil; fee for monitoring, administration, and enforcement; increase. Amends sec. 61524 of 1994 PA 451 (MCL 324.61524). SCR 0006 of 2019Natural ResourcesWojno, PaulA concurrent resolution to memorialize the Congress of the United States to continue full funding of the Great Lakes Restoration Initiative. SR 0012 of 2019Natural ResourcesVanderWall, CurtisA resolution to urge the United States Department of Agriculture's Forest Service to reverse its recent order banning the use of alcohol on and within 200 feet of the shoreline of the National Wild and Scenic River sections of the AuSable, Manistee, and Pine rivers. SR 0025 of 2019Natural ResourcesWojno, PaulA resolution to memorialize the Congress of the United States to continue full funding of the Great Lakes Restoration Initiative and to prioritize cleaning up the remaining Great Lakes areas of concern in accordance with a comprehensive strategy and schedule. SR 0030 of 2019Natural ResourcesZorn, DaleA resolution to encourage the Natural Resources Commission to add Sandhill cranes to the game species list and seek U.S. Fish and Wildlife Service approval to establish a Sandhill crane hunting season. SR 0038 of 2019Natural ResourcesMcBroom, EdA resolution to urge the U.S. Fish and Wildlife Service to remove the Michigan gray wolf from the federal endangered and threatened species list. SR 0049 of 2019Natural ResourcesMcBroom, EdA resolution to oppose the Keweenaw Bay Indian Community's application to regulate water quality and air quality under federal law on the L'Anse Reservation. SR 0060 of 2019Natural ResourcesMcBroom, EdA resolution to urge the Natural Resources Commission to hold a formal, full meeting on the proposed changes to deer baiting and feeding policies in the affected area of the Upper Peninsula before any decisions are made to change the regulations.


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Brin gives rose-tinted view of net glasses
SERGEY BRIN envisions Google's internet glasses hitting the market this year with an eye towards freeing people from unsocial habits engendered by ''emasculating'' smartphones.
Speaking on Wednesday at the annual TED conference - known for its mix of influential big thinkers and ideas - Google co-founder Mr Brin demonstrated his point by ignoring the audience while he stared at his smartphone, saying he was intent on a message from a Nigerian prince in need of $10 million.
''In addition to potentially socially isolating yourself when you are out and about using your phone, I feel it is kind of emasculating,'' he said.
Mr Brin said he had a vision since Google's inception that one day search queries would be outmoded and information from the internet would come to people when they needed it.
Google Glass frees the eyes and hands when connecting to the internet on the go, he said.
''That is why we put the display up high, out of the line of sight,'' Mr Brin said, wearing the Glass eyewear he is rarely seen without. ''If I wore a ball cap, the display would be on the brim and not where you are looking. And sound goes through bones in the cranium, which is a little freaky at first, but you get used to it.''
Glass wearers can speak commands to the eyewear and camera technology allows pictures or video to be captured from first-person perspectives.
Mr Brin said people sometimes used smartphones as distractions or to appear busy. Glass stripped away excuses not to be sociable or not to be honest about wanting to take a break.
''It really opened my eyes to how much of my life I spent secluded away in email, social posts or whatnot,'' he said.
Mr Brin said Glass eyewear would be available this year for less than the $US1500 charged to software developers and early adopters during a test phase. A video intended to capture what it feels like to use Glass was online at google.com/glass/start/.
Google has been speaking with frame companies about a consumer version of the glasses, which Mr Brin expected would cost ''significantly'' less than the prototypes.
Agence France-Presse


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Commercial fishing and bait regulations to be set
PRATT — The Kansas Wildlife, Parks and Tourism Commission will conduct a public meeting and hearing on Thursday, Oct. 13, at the Kansas Department of Wildlife, Parks and Tourism (KDWPT) Pratt Operations Office basement conference room, 512 SE 25th Ave. in Pratt. The afternoon session will begin at 1:30 p.m. and recess at 5 p.m., and the evening session will begin at 7 p.m.
The afternoon session will begin with time for public comments on non-agenda items, followed by a general discussion period on the following topics:
- Secretary's remarks;
- agency and state fiscal status;
- 2012 legislative agenda;
- welcome to Pratt by local entities;
- tourism briefing; and
- Hillsdale Shooting Range update.
The afternoon will also include a workshop session, in preparation for potential future regulatory action, covering preliminary recommendations on the following regulations:
- big game permanent regulations;
- potential changes in deer regulations for 2012;
- big game 25-Series regulations – deer;
- big game 25-Series regulations – elk/antelope;
- falconry regulations;
- fall turkey regulations; and
- second state park motor vehicle permit.
The commission will recess at 5 p.m., then reconvene at 7 p.m. at the same location for a public hearing on the following regulations:
- K.A.R. 115-8-1, department lands and waters — hunting, furharvesting, discharge of firearms, and Public Lands Reference Document;
- K.A.R. 115-2-3, camping — utility and other fees;
- K.A.R. 115-8-9, camping — general provisions;
- K.A.R. 115-8-10, pets — provisions and restrictions;
- cabin camping rates;
- K.A.R. 115-17-1, commercial harvest of fish bait — legal species, harvest seasons, size restrictions, daily limits, and possession limits;
- K.A.R. 115-17-2, commercial sale of bait fish — testing procedures;
- K.A.R. 115-17-2a, commercial sale of bait fish — possible amendment to testing procedures;
- K.A.R. 115-17-3, commercial fish bait permit — requirement, application, general provisions, and possible amendment;
- K.A.R. 115-17-4, commercial harvest of fish bait — legal equipment, taking methods, and general provisions;
- K.A.R. 115-17-5, commercial harvest of fish bait — open areas;
- K.A.R. 115-17-10, commercial harvest of fish — permit requirement, application, reports, and permit revocation;
- K.A.R. 115-17-11, commercial harvest of fish — legal equipment and taking methods, identification tags, and identification tag fee;
- K.A.R. 115-17-12, commercial harvest of fish — legal species, seasons, size restrictions, daily limits, and possession limits; and
- K.A.R. 115-25-14, fishing — creel limit, size limit, possession limit, and open season.
Time will be set aside in both the afternoon and evening sessions for public comment on topics that are not on the agenda. If necessary, the commission will recess on Oct. 13 and reconvene at the same location at 9 a.m., Oct. 14, to complete unfinished business.
Live video and audio streaming of this meeting will be broadcast through the Kansas Department of Wildlife, Parks and Tourism (KDWPT) website, www.kdwpt.state.ks.us.
If notified in advance, the department will have an interpreter available for the hearing impaired. To request an interpreter, call the Kansas Commission for the Deaf and Hard of Hearing at 1-800-432-0698. Any individual with a disability may request other accommodations by contacting the Kansas Wildlife, Parks and Tourism Commission secretary at 620-672-5911.
The next commission meeting is scheduled for Dec. 6 at the KDWPT Region 2 Office basement meeting room, 300 SW Wannamaker Road in Topeka. This will be a special session on bait regulations.


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Marking the International Day of Forests 2013 today, Dr Lynn Clayton, Project director with YANI an SOS grantee, and her young friend Yanto, report on one of several tree planting initiatives helping to build awareness and community support for the preservation of the Nantu forest as well as its threatened species including the Babirusa and Anoa in Sulawesi.
A truck loaded with young tree seedlings crawls slowly across the last precarious bridge to Wonosari Primary School. Next morning, as part of our student outreach programme funded through a two year SOS - Save Our Species grant, pupils gather early on their grassy playground. Headmaster Mr Ardin Lihawa and silviculturalist Bart Sembel explain how to plant and care for the tiny Nantu seedlings, and how they will grow to feed and shelter forest birds. As if in anticipation a flock of hornbills beat their way across the bright sky above. Parents watch and listen from the sidelines as the four thousand trees are shared, and a small "school forest" is planted behind the school.
Yanto is one of those young students taking part. In his hands he holds a small Nantu tree. Looking across the river from his school, Yanto can see enormous Nantu trees clothed in mist. He has grown up here in Sulawesi beside the Nantu Forest, last home on the planet of the curly-tusked Babirusa and the horned Anoas. The idea of he and his schoolmates planting the trees to help reforest Nantu has also planted an idea in Yanto's head - he sees the connection between the forest and those creatures and he witnesses firsthand how his actions can help shape the future of the Babirusa and the Anoa.
By dusk the young trees stand firm in the Indonesian earth. Children seek sticks and straight bamboos to measure their tree's growth. In three months time a prize will be given to the owner of the tallest tree by headmaster Ardin Lihawa.
Yanto's tree rests safely in the ground in the fading light. Yanto and Jemi Komolontang, a Nantu Forest ranger, sit deep in conversation on an old log beside it. How long will it be until this tree looks out across the far Boliyohuto Mountains, until families of jumping Tarsiers sing from its lowest branches and Heck's macaques munch on its fruits. And what of the Babirusa and the Anoas – will these amazing large mammals still be there then?
Jemi notes "Building affinity between young people and Sulawesi's rainforest through activities like today's is a vital step towards protecting the Babirusa's and Anoa's last critical habitat, the Nantu Forest". This protection of and reforestation process is a critical part of Clayton's conservation project to help protect Nantu from various threats such as illegal logging and poaching. While Clayton strives to engage the local community for support, the tree planting ceremony at Wonosari Primary School represents a positive step toward an inclusive future where the locals and visitors can enjoy and use the resources and amenities of the Nantu Forest sustainably so that Yanto's children may also see wild Babirusa and Anoa roam amongst the trees.


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text:
Certified Pre-Owned 2019 KiaOptima S Sedan
- Stock: 47064V1
- Odometer
- 16,630 miles
- Fuel Economy
- 24.0/33.0 mpg City/Hwy
- Exterior Color
- Passion Red
- Interior Color
- Black
- Body/Seating
- Sedan/5 seats
- Transmission
- 6 speed automatic
- Drivetrain
- front-wheel
- Engine
- 2.4L I-4 cyl
Highlighted Features
- Blind spot sensor
- Lane departure
- Automatic temperature control
- Emergency communication system
- Wireless phone connectivity
- Parking sensors
- Exterior parking camera rear
- Front dual zone A/C
Detailed Specifications
- 1-touch down
- 1-touch up
- Air conditioning
- Auto-dimming rearview mirror
- Automatic temperature control
- Driver door bin
- Driver vanity mirror
- Emergency communication system: UVO eServices
- Front beverage holders
- Front dual zone A/C
- Illuminated entry
- Overhead console
- Passenger door bin
- Passenger vanity mirror
- Power windows
- Proximity keyless entry
- Rear beverage holders
- Rear door bins
- Remote keyless entry
- Speed control
- Telescoping steering wheel
- Tilt steering wheel
- Alloy wheels
- Four wheel independent suspension
- Front anti-roll bar
- Front tires: 235/45VR18.0
- Power steering
- Rear anti-roll bar
- Rear tires: 235/45VR18.0
- Speed-sensing steering
- Wheel size: 18"
- 1st row LCD monitors: 2
- AM/FM radio: SiriusXM
- Internal memory capacity (GB): 1 GB
- Primary LCD size: 8.0"
- Radio data system
- Smart device integration: Apple CarPlay & Android Auto
- Speakers: 6
- Steering wheel mounted audio controls
- Turn-by-turn navigation directions: UVO eServices
- Wireless phone connectivity: Bluetooth
- Front center armrest
- Front seats: bucket
- Leather steering wheel
- Max seating capacity: 5
- Power 2-way driver lumbar support
- Power driver seat
- Rear seat center armrest
- Rear seats: bench
- Split folding rear seat
- Cylinder configuration: I-4
- Drive type: front-wheel
- Engine liters: 2.4
- Engine location: front
- Fuel economy city: 24mpg
- Fuel economy combined: 27mpg
- Fuel economy highway: 33mpg
- Fuel tank capacity: 18.5gal.
- Horsepower: 185hp @ 6,000RPM
- Manual-shift auto: Sportmatic
- Mode select transmission
- Number of valves: 16
- Recommended fuel: Regular Unleaded
- Torque: 178 lb.-ft. @ 4,000RPM
- Transmission: 6 speed automatic
- Variable intake manifold
- Variable valve control
- Bumpers: body-color
- Door mirrors: body-color
- Heated door mirrors
- Power door mirrors
- Rear cargo: trunk
- Spoiler
- Tailpipe finisher: chrome
- Turn signal indicator mirrors
- Compression ratio: 11.30 to 1
- Curb weight: 1,496kg (3,298lbs)
- Engine bore x stroke: 88.0mm x 97.0mm (3.46" x 3.82")
- Engine displacement: 2.4 L
- Engine horsepower: 185hp @ 6,000RPM
- Engine torque: 178 lb.-ft. @ 4,000RPM
- Exterior body width: 1,859mm (73.2")
- Exterior height: 1,466mm (57.7")
- Exterior length: 4,854mm (191.1")
- Front headroom: 1,011mm (39.8")
- Front hiproom: 1,422mm (56.0")
- Front legroom: 1,156mm (45.5")
- Front shoulder room: 1,476mm (58.1")
- GVWR: 2,060kg (4,541lbs)
- Interior cargo volume: 450 L (16 cu.ft.)
- Interior maximum cargo volume: 450 L (16 cu.ft.)
- Passenger volume: 3,418L (120.7 cu.ft.)
- Rear headroom: 960mm (37.8")
- Rear hiproom: 1,422mm (56.0")
- Rear legroom: 904mm (35.6")
- Rear shoulder room: 1,433mm (56.4")
- Wheelbase: 2,804mm (110.4")
- Auto high-beam headlights
- Blind spot sensor: Blind-Spot Collision Warning warning
- Delay-off headlights
- Display: analog
- Exterior parking camera rear: Rear View Monitor with Parking Guidance yes
- Forward collision: Forward Collision-Avoidance Assist (FCA) mitigation
- Front fog lights
- Front reading lights
- Fully automatic headlights
- Lane departure: Lane Keep Assist active
- Low tire pressure warning
- Outside temperature display
- Parking sensors: rear
- Rear collision: Rear Cross-Traffic Collision Warning warning
- Rear window defroster
- Tachometer
- Trip computer
- Variably intermittent wipers
- 4 wheel disc brakes
- ABS brakes
- Anti-whiplash front head restraints
- Brake assist
- Dual front impact airbags
- Dual front side impact airbags
- Electronic stability
- Ignition disable
- Knee airbag
- Occupant sensing airbag
- Overhead airbag
- Panic alarm
- Perimeter/approach lights
- Security system
- Traction control
Dealer Notes
KBB.com Consumer Reviews
- 5.0
Great Vehicle and Value
By Magna42 on Monday, December 04, 2017I own a 2017 and prior to this vehicle I owned a 2012. I would still have the 2012 if it waasnt totaled. As pleasant as the 2012 was the 2017 is much better. More equipment, but a few strange ommissions/changes (relatively minor). The 2017 is head and shoulder quieter than the previous mode. The steering though is little vague, though I understand that theres a firmware fix for that. All in all I am pleased with the Optima and would buy another if the need arose.
- 5.0
This is the only car that had everything I wanted
By Larry on Saturday, October 21, 2017With the SXL trim, its the Audi A6 for smart people. All the features I wanted. European ride - check, ample power-check, high tech goodies-check, reliable brand - check, dealers willing to deal - check, good on gas - check, regular unleaded- check, looks great - check, 10 year power train, FIVE YEAR BUMPER TO BUMPER!! (who does that?) Kia just tries harder, copying the best of every other brand. I shop from brands that try harder. Why be a sucker?
- 5.0
A Great Value!
By Oldgoldtop on Sunday, December 01, 2019I used to have to get high end cars get the convenience tech features I wanted. Phones, keyless start, BT, GPS, vented/heated seats, blind spot monitoring and other such options were once reserved for luxury brands. I have had several BMW, Audi and Mercedes which first offered these amenities that gradually have been becoming available on less exclusive brands. Fantastic! Now retired, I no longer can deduct my vehicles so have been looking at some "more affordable" makes. I chose this 2019 Kia SXL Turbo because it offered pretty much most of the options I will not do without, plus a few others. Rear seat heaters and 4 camera surround view monitors were two options I wanted that many others in this class did not offer. I miss the remote push button trunk lid operation on the 2017 Lincoln I had previous to this. Kia's "smart trunk is "okay" though. Also Kia seems to be doing away with garage openers too. I had to purchase a small 4 button fob I have placed on the visor to open 3 doors. $12 on Amazon. Oh well. The nicely thought out operation of the radio/media and GPS navigation is superior to ALL of my previous vehicles. And the Kia UVO also is superior to Android Auto, mainly because Android still does not have wireless capability in this car and requires connecting with a usb cable. Texting by voice commands while driving through the UVO is great as is searching for a POI destination ("navigate to ____ animal shelter"), still I am uncertain if I will be willing to pay the high fee for the necessary UVO subscription after the one year included "Ultimate" plan expires. Many states are enacting laws to require hands free cell phone use. I can use my voice to send texts via my smartwatch and I had the dealer install Kia's remote start so am able to rely less on the UVO app for that. And I can always use my phone with Google maps to input destination searches by voice or even connect for Android Auto. The other UVO features are not worth paying for imo but it is currently $300/year (in US) to get complete UVO functionality once the 12 month trial expires. The "smart cruise control" with stop and go is great and the operation is simple and intuitive. The Lincoln with just "regular" cruise was the worst design of any of my previous cars. It was cumbersome and annoying to operate with too many buttons. (Wake up Ford!). This Optima SX Limited also comes with many safety features like collision avoidance and lane keeping (plus more). Also a 5 star safety rating. The 2.0 4cyl turbo is peppy with a nice note when accelerating. The ride is a bit stiff though not unpleasant at all. The EX Limited I considered felt a bit softer but I preferred the SXL for some additional options. The controls are generally well placed, easy to use and are not overly reliant on the 8 inch touch screen, which is nice. I find that I prefer the hard buttons for navigating directly to the menu I want. I have had several touch screens that require somewhat precise touching or risk hitting the wrong spot which is distracting. The interior is tasteful with decent materials but will not be confused with a high end luxury car…I like to say it's "understated". (I prefer the dash design to the curves in the similar Sonata). Currently I am getting over 27 MPG just driving around town, but I am intentionally driving conservatively to test how efficient it can be driven. No doubt that number will decline with my more typical driving. Perhaps there could be a bit more sound deadening material or absorption insulation put in. I notice I could hear some dishes I had transported in the trunk rattling, sounding like they were in the back seat. The sound when closing the doors and trunk lid seem less solid than I am used to. Minor quibbles really. I do not find the highway noise too bad really. I have had quieter cars but this is more than acceptable. Perhaps my hearing is not what it used to be? I really can't believe I am driving a Kia! But they seem to be building great cars and the price differential from a more "prestige" brand is significant. And my Kia was a better value than the other mid size sedans in it's class. Perhaps I will consider replacing the stock international KIA emblem with the stylized "K" emblem I believe they use in Korea. I was able to score a great deal on a leftover horizon blue 2019 model (it looks fantastic!) for $10k below it's $37K MSRP. Timing is everything and the end of year deals are what I typically look to negotiate on. The 2020 model is essentially the same car. I will see how it goes over time but right now the honeymoon continues. Maybe I should have looked at Kia before!
*The advertised price of vehicle(s) does not include sales taxes, vehicle registration fees, finance charges and, if applicable, cost of emissions test, and/or transportation cost incurred after sale to deliver the vehicle to the purchaser at the purchaser's request. Price includes $599.50 dealer handling fee. Price may not include Dealer Installed Accessories.
*You may not qualify for the offers, incentives, discounts, and/or financing. Offers, incentives, discounts, and/or financing are subject to expiration and other restrictions. See dealer for qualifications and complete details.
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All vehicle specifications, prices and equipment are subject to change without notice. See above for information on purchase financing and lease program expiration dates. Prices and payments (including the amount down payment) do not include tax, titles, tags, documentation charges, emissions testing charges, or other fees required by law or lending organizations. The estimated payments may not include upfront finance charges that must be paid to be eligible for the purchase financing program used to estimate the APR and payments. Listed Annual Percentage Rates are provided for the selected purchase financing or lease programs available on the current date. Program expiration dates reflect currently announced program end dates, but these programs are subject to change at any time.
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text: Prince William's wife, Kate, cast aside British tradition when she picked the team that helped her deliver her baby on Monday. Instead of turning to a midwife, an option favored by a majority of women in the U.K. as well as Queen Elizabeth II, the Duchess of Cambridge followed the U.S. practice of having doctors on hand for the birth of the boy who will be third in line to the British throne. The royal birth was supervised by Marcus Setchell, who serves as the queen's gynecologist, and Guy Thorpe-Beeston, an obstetrician who practices at St. Mary's Hospital in Paddington, central London, where Kate's son, weighing 8 pounds, 6 ounces (3.8 kilograms) was born Monday. Kate, the first woman from outside royalty or the aristocracy to marry so close to the throne for 350 years, probably picked what seemed like the safest approach for the high-profile birth of her first child, said Nancy Chescheir, an obstetrician at the University of North Carolina's School of Medicine in Chapel Hill. Yet scientific evidence suggests a hospital delivery under the care of an obstetrician isn't necessarily best for routine births. A 2008 Cochrane Collaboration review found women who used midwives have fewer interventions such as caesarean sections and episiotomies to widen the vagina during delivery, said Holly Powell Kennedy, a midwife and professor at Yale University's School of Nursing. "We are all baffled as to why Kate is having an obstetrician," Sheena Byrom, a midwife based near Preston in northern England, said in an interview before the birth. "It's not like America." The Duchess of Cambridge's decision has hit a nerve in a country where almost two-thirds of births are supervised by midwives. Queen Elizabeth II delivered her four children at home with midwives, according to Louise Silverton, director of midwifery at the Royal College of Midwives. "It's a cultural thing," Silverton said. "I don't wait for doctors to tell me what to do, I make my own decisions." Midwives focus on high-touch, low-tech deliveries that can yield better results at a lower cost for healthy women, particularly because they're less likely to use unnecessary medical equipment, said Angela Ferrari, a certified nurse midwife from Massachusetts General Hospital in Boston. The role of midwives is so established in the country that it's inspired the popular British Broadcasting Corp. television series entitled "Call the Midwife." Obstetricians tend to step in for high-risk pregnancies or when complications develop. In the U.S., the system for prenatal care and delivery is based on the mother's preference for a midwife or an obstetrician, according to the University of North Carolina's Chescheir. Certified nurse midwives, the primary type of midwife in the U.S., care only for low-risk pregnancies and are supervised by an obstetrician. Chescheir, herself an expert in complex, high-risk deliveries, is a fan of midwives, who she says tend to be more holistic, foster less of a medical environment and create a family event. Midwives delivered almost 12 percent of the 2.65 million infants born vaginally in 2011 in the U.S., the most recent statistics available, according to the National Center for Health Statistics. "I don't think British women should feel they are being slighted as long as they have access to obstetrical specialists if a problem arises," said Meg Berreth, a midwife and instructor at the University of North Carolina in Chapel Hill. "A very brief perusal of literature would show you the average woman is getting exceptional, if not better care, with a midwife in the U.S. and Britain." Women can also get epidurals and pain medicine even if they are delivering with a midwife, according to Berreth. "I don't envy Kate Middleton," she said, referring to the Duchess of Cambridge by her maiden name. "Every decision she makes becomes a statement." Some experts said it made sense for Kate to rely on an obstetrician, given the high-profile pregnancy and its accompanying stress, and risks that can quickly spiral out of control if a delivery starts to go wrong. "I don't like to think of one birth being any more important than another's, but the stakes are extraordinarily high in this case," Chescheir said. "When there is that much pressure on, it probably makes sense to have a lot of people on board. In obstetrics, when things go bad, they can go bad extraordinarily quickly." In the end, Kate made a personal decision choosing obstetricians over midwives, just as her late mother-in-law, Diana, did when she delivered both her boys in the same London hospital in the 1980s under doctor supervision. "It's very important that women feel safe during labor," Berreth said. "For some women that means a hospital and for others that means a home."


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Shimmer Trees
Por Candy and Cake Sugar Designs en | 1 comments
{image via martha stewart}
These shimmering trees would be a fun alternative to adorn the Christmas table or even to carry through to New Year's to add a little bling!
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Several popular Mac OS X apps received significant updates Tuesday—many of them favorites of the Ars staff. Among them are the FTP client Transmit, text editor BBEdit, and the Mac OS X version of Opera's Web browser.
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Bare Bones software also announced a point release update to BBEdit 9 that amounts to a pretty major upgrade to its venerable text editor. Live searching, vastly expanded scripting capabilities,
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The sequel to Scribblenauts, last year's quirky, creative hit for the DS, is in our hands and we're playing it for review. You can help out by letting us know what you want to know about Super Scribblenauts.
In an effort to ensure that Kotaku's reviews are better informing you about the content, the gameplay, and the positives and negatives of the games we play, we're looking to more directly and actively involve the community. If you have a burning question about Super Scribblenauts that you want to see answered in our upcoming review, this is the place to ask.
It's also the right place for Kotaku commenters to talk to each other about the game. Answer each other's questions, ask new ones, and let us know what is important to you about each game we review. We're hoping to directly answer some of your questions in future reviews, kicking off the discussion in posts like this one.
(This is not, however, the best place to praise, grumble or vent about Kotaku's review format. Please take that discussion to the #kotakueditorialboard.)
So. Let's have it. What do you want to know about Super Scribblenauts?


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This winter I was on a flight in Europe during a huge winter storm. That's why the pilot announced for the flight that we will have some medium turbulence during the flight. However, it wasn't really shaking more than normal.
On the other hand, on my last flight over the Atlantic the pilot announced only small turbulence, but I'm not sure if I would have remained in my seat without my seatbelt.
Obviously, the forecast could just been wrong, but nevertheless I'm interested if there is any official classification of turbulence. So what is medium turbulence? What is severe turbulence?


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WALTHAM, Mass. -- In their final two matches before the 2013 University Athletic Association championships, the Brandeis women's tennis team earned a split. On Saturday afternoon on the road, the 24th-ranked Judges fell at No. 8 Bowdoin College, 8-1. Brandeis bounced back to defeat Division I Holy Cross, 8-1, in the final regular seaosn home match for senior Faith Broderick (Washingtonville, N.Y./Washingtonville).
Against Bowdoin, Broderick and doubles teammate sophomore Carley Cooke (San Diego, Calif./Point Loma) picked up an 8-4 win at No. 1. Unfortunately, the Judges could not grab any further matches. They nearly earned a second doubles point, but junior Roberta Bergstein (Hingham, Mass./Hingham) and sophomore Simone Vandroff (Moss Beach, Calif./Half Moon Bay) suffered a late break, falling 9-7 to Tiffany Cheng and Emma Lewis of the Polar Bears. In singles action, Cooke battled Bowdoin's Kellen Alberstone, taking the first set, 6-4, before falling 6-1, 6-1.
In the final home match against Division I Holy Cross, the Judges cruised, only dropping one game in each doubles match and winning nine of the 10 sets in their singles wins with only zero or one game lost. Broderick and Cooke rolled at No. 1 doubles and Broderick won 6-1, 6-1 at No. 1 singles to earn her 103rd career victory in singles and doubles combined. Also picking up singles points for the Judges were junior Allyson Bernstein (Northbrook, Ill./Glenbrook North), who won 6-1, 6-0 at No. 2; rookie Maya Vasser (New Rochelle, N.Y. / New Rochelle) a 6-4, 6-1 winner at No. 3; junior Alexa Katz (Philadelphia, Pa./Abington Friends) at No. 4 by a 6-1, 6-0 score; and rookie Emily Eska (Princeton, Mass. / Wachusett Regional) at No. 5, 6-1, 6-1.
Brandeis will learn its seed in the University Athletic Association tournament this week. The Judges will take an 8-8 record into the tournament.
Brandeis University Women's Tennis
Holy Cross vs Brandeis (Apr 21, 2013)
#24 Brandeis 8, Holy Cross 1
Apr 21, 2013 at Waltham, Mass. (Rieger Tennis Courts (Outdoors))
|Singles competition
|1. Faith Broderick (BRWTEN) def. Taylor Stathis (HC) 6-1, 6-1
|2. Allyson Bernstein (BRWTEN) def. Jackie Carbill (HC) 6-1, 6-0
|3. Maya Vasser (BRWTEN) def. Maya Welch (HC) 6-4, 6-1
|4. Alexa Katz (BRWTEN) def. Abigail Henry (HC) 6-1, 6-0
|5. Emily Eska (BRWTEN) def. Addie Devine (HC) 6-1, 6-1
|6. Casey Deng (HC) def. Dylan Schlesinger (BRWTEN) 1-6, 6-4, 10-7
|Doubles competition
|1. Carley Cooke/Faith Broderick (BRWTEN) def. Taylor Stathis/Jackie Carbill (HC) 8-1
|2. Simone Vandroff/Roberta Bergstein (BRWTEN) def. Maya Welch/Abigail Henry (HC) 8-1
|3. Marissa Lazar/Allyson Bernstein (BRWTEN) def. Casey Deng/Jessica DeSimone (HC) 8-1
|Match Notes
|Holy Cross 5-9
|Brandeis 8-8; National ranking #24; Regional ranking #9
Brandeis vs Bowdoin (Apr 20, 2013)
#8 Bowdoin 8, #24 Brandeis 1
Apr 20, 2013 at Brunswick, Maine (Bowdoin College)
|Singles competition
|1. Kellen Alberstone (BOW) def. Carley Cooke (BRWTEN) 4-6, 6-1, 6-1
|2. Chantalle Lavertu (BOW) def. Faith Broderick (BRWTEN) 6-2, 6-0
|3. Tiffany Cheng (BOW) def. Allyson Bernstein (BRWTEN) 6-1, 6-3
|4. Kate Winningham (BOW) def. Simone Vandroff (BRWTEN) 6-1, 6-1
|5. Emma Lewis (BOW) def. Roberta Bergstein (BRWTEN) 6-2, 6-3
|6. Emma Chow (BOW) def. Maya Vasser (BRWTEN) 7-5, 6-1
|Doubles competition
|1. Carley Cooke/Faith Broderick (BRWTEN) def. Emma Chow/Chantalle Lavertu (BOW) 8-4
|2. Tiffany Cheng/Emma Lewis (BOW) def. Simone Vandroff/Roberta Bergstein (BRWTEN) 9-7
|3. Kellen Alberstone/Kate Winningham (BOW) def. Allyson Bernstein/Marissa Lazar (BRWTEN) 8-5
|Match Notes
|Brandeis 7-8; National ranking #24; Regional ranking #9
|Bowdoin 11-3; National ranking #8; Regional ranking #4