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Join us Friday, Dec. 30 at 10 a.m. for our Friday Financial Forum. We will meet at the Friday Forum Room at Arvest's East Side Branch, located at 4225 S.E. Adams Rd. in Bartlesville, Okla.*
Our featured speaker this week is Fran Stallings, an American storyteller for people of all ages. She has performed at national and international storytelling festivals in schools and libraries, and on the radio. She performs primarily folktales from around the world. She has produced several audio recordings and books of stories. She conducts workshops, residencies, and festival performances throughout the United States and overseas.
Stallings' storytelling style is noted for its ability to entrance listeners, a phenomenon she wrote about for The National Storytelling Journal. She teaches educators to use stories in the classroom to hold students' attention while conveying lessons.
What you can also expect at the event:
Bring a friend and join us this Friday to hear about what's going on in the Bartlesville area. We always have delicious homemade cookies for everyone! If you have any questions or would like to be included on the invitation email list, please contact Billie Roane at (918) 337-4358. We look forward to seeing you there!
Links marked with * go to a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.
**Josh Randolph Oklahoma Insurance License #122041 and Sonya Reed Oklahoma Insurance License # 111796
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.


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Personal loan interest rates currently range from about 5% to 36%. The actual rate you receive depends on multiple factors, such as your credit score, annual income, and debt ratios.
By Ben Luthi
Last updated: January 15, 2020
SoFi is an all-around stellar lender. They offer customers an autopay discount, low rates and reward borrowers for being in good financial health. For borrowers who might end up unemployed and unable to make payments, SoFi has a team dedicated to helping customers get back on their feet. If you're looking for a lender who cares, look here.
Pros: Autopay discount of 0.25 percent, offers unemployment protection and help finding a new job, no fees.
Cons: Need to have a good credit score (680 or higher), but this product rewards people for having healthy financial habits.
|Bankrate Rating
|4.1 / 5.0
|Min. Credit Score
|Est. APR
|6.20% - 15.24% (with autopay)
|Loan Amount
|$5,000 - $100,000
|Term Lengths
|2 to 7 years
|Min. Annual Income
Read Bankrate's expert SoFi Review
Lightstream is a lender that rewards consumers for having good credit with benefits like autopay discount and a $100 bonus for submitting feedback. With a maximum loan amount of $100,000, individuals looking to make a major purchase, consolidate debt or pay for a wedding should consider Lightstream during their personal loan search.
Pros: Autopay discount of 0.50 percent, accepts cosigners, offers $100 free if you are dissatisfied with your experience and submit feedback.
Cons: Minimum loan amount is $5,000.
|Bankrate Rating
|4.0 / 5.0
|Min. Credit Score
|Est. APR
|4.99%-16.79% (with autopay)
|Loan Amount
|$5,000 – $100,000
|Term Lengths
|2 to 12 years
|Min. Annual Income
Read Bankrate's expert Lightstream Review
Municipal Credit Union has been serving the financial needs of its members since 1916. They offer reasonable rates on personal loans for borrowers with bad credit and can be a great option for those looking for a quick deposit of funds and no extraneous fees.
Pros: One flat late fee, accepts cosigners, low interest rates, quick deposit of funds.
Cons: Larger loans need a more established credit history; required to become a member of the credit union.
|Municipal Credit Union
|Bankrate Rating
|4.3 / 5.0
|Min. Credit Score
|Est. APR
|5.95% - 7.55%
|Loan Amount
|$1,000 – $50,000
|Term Lengths
|1 to 6 years
|Min. Annual Income
|Late fee: $25
Read Bankrate's expert Municipal Credit Union Review
LendingPoint looks at an overall financial picture of borrowers, not just their credit score. LendingPoint serves a wide range of consumers, including those with poor credit, and offers quick approval and receiving of funds.
Pros: Low minimum credit score, quick to receive funds, looks at more than just credit score. Accepts some applicants who have filed bankruptcy in the past 12 months.
Cons: APRs range on the high-side from 9.99 percent to 35.99 percent.
|Bankrate Rating
|3.6 / 5.0
|Min. Credit Score
|Est. APR
|9.99% - 35.99%
|Loan Amount
|$2,000 - $25,000
|Term Lengths
|2 to 4 years
|Min. Annual Income
|Origination fee: 0 percent to 6 percent of the loan amount
Read Bankrate's expert LendingPoint Review
Best Egg offers competitive APRs on loans up to $35,000, making it a good option for homeowners who need to fix a roof or make other home repairs.
Pros: Only borrowers with fair credit are eligible.
Cons: Low debt-to-income ratio required.
|Best Egg
|Bankrate Rating
|3.7 / 5.0
|Min. Credit Score
|Est. APR
|5.99% - 29.99%
|Loan Amount
|$2,000 - $35,000
|Term Lengths
|3 to 5 years
|Min. Annual Income
|Origination fee: 0.99 percent to 5.99 percent of the loan amount, Late fee: $15
Read Bankrate's expert Best Egg Review
Upgrade lets you borrow up to $50,000 and will send the loan funds to your account by the following business day.
Pros: There are no prepayment fees.
Cons: Origination fee comes off the top of loan amount.
|Bankrate Rating
|4.1 / 5.0
|Min. Credit Score
|Est. APR
|7.89% - 35.89%
|Loan Amount
|$1,000 - $50,000
|Term Lengths
|3 or 5 years
|Min. Annual Income
|Origination fee: 1.5 percent to 6 percent of the loan amount, Late fee: Up to $10
Read Bankrate's expert Upgrade Review
Est. APR
Loan Term
Min. Loan Amount
Max. Loan Amount
6.20% - 15.24% (with autopay)
2 to 7 years
4.99%-16.79% (with autopay)
2 to 12 years
|Municipal Credit Union
5.95% - 7.55%
1 to 6 years
9.99% - 35.99%
2 to 4 years
|Best Egg
5.99% - 29.99%
3 to 5 years
7.89% - 35.89%
3 or 5 years
Personal loans are shorter-term loans consumers can receive from banks, credit unions or private lenders, such as online marketplace lenders and non-bank peer-to-peer lenders. The proceeds of the loan can be used for just about any purpose, such as paying off other debt, financing a kitchen renovation or paying for a wedding.
Borrowers receive a single lump sum which is repaid over a number of years. Most personal loans range from 24 months to 60 months. The typical personal loan is repaid in monthly installments similar to a car loan or home mortgage.
Personal loans are typically unsecured, which means they are not backed by collateral such as a car, house or other assets.
If you need cash fast, these loans are a good alternative because the approval process is fairly quick and you can also receive your lump sum sooner than obtaining a home equity line of credit.
The interest rate for personal loan depends mostly on your credit score. Personal loan rates currently range from 5% to 36%, depending on your credit score. As of January 15, 2020, the average personal loan interest rate is 11.42%.
The average personal loan interest rates range from 10.3% to 12.5% for "excellent" credit scores ranging from 720-850, 13.5% to 15.5% for "good" credit scores of 690-719, 17.8% to 19.9% for "average" credit scores of 630-689 and 28.5% to 32.0% for "poor" credit scores of 300-629.
"Like any loan, a borrower is usually qualified on the basis of credit, income and debt ratios," says Greg McBride, CFA, chief financial analyst for Bankrate. "Some lenders are more lenient than others but will charge a substantially higher rate for borrowers deemed higher risk."
|Credit Rating / Score Range
|Average personal loan interest rate
|Excellent (720 - 850)
|10.3% - 12.5%
|Good (690 to 719)
|13.5% - 15.5%
|Average (630 to 689)
|17.8% - 19.9%
|Bad (300 to 629)
|28.5% - 32.0%
Rates as of 12/2/2019
Some of the most common reasons people consider a personal loan are:
"For consumers with good credit, a personal loan can be had at a competitive rate with a quick turnaround," says McBride.
If a consumer can't afford to make much more than the minimum payments on a credit card, a personal loan could work out better for them financially because the entire debt would be paid off sooner and they'd pay less in interest, Triggs says. But that's only if they can afford the single monthly payment.
"Even for those with good credit that can borrow at low rates, the cost of borrowing is still much higher than if they had an emergency savings reserve sufficient to draw on instead," McBride says.
The biggest pitfall occurs when the consumer pays off the $12,000 credit card with a personal loan, but then begins to use the card again and ends up running the balance back up to $12,000, Triggs says.
"Now they have to pay that and the personal loan, which in this scenario will be a challenge," he says.
Another disadvantage of personal loans is that there are few payment options if you lose your job or otherwise can't afford to pay it. Most credit card companies will work with consumers who suffer real hardship, Triggs says.
How to get a personal loan in 8 steps:
APR stands for Annual Percentage Rate. APR refers to the extra amount borrowers pay in interest and fees on an annual basis. Lenders calculate APR on a yearly basis, but borrowers are most often responsible for paying APR on a monthly basis.
For more detail on how APR can affect your monthly payments, check out our personal loan calculator.
Secured loans are backed by a piece of the borrower's property as collateral, typically a vehicle or house. Because the borrower stands to lose personal property if they default, secured loans tend to have lower interest rates.
Unsecured loans are not backed by collateral, but instead by the borrower's creditworthiness. Because the lender takes on more of a risk with an unsecured loan, interest rates tend to be higher. Lenders also require that borrowers seeking an unsecured loan have a higher-than-average credit score.
A repayment term refers to the length of time borrowers have to repay their loan. A personal loan's repayment term can vary between one and ten years, depending on the lender.
Because personal loans are often unsecured, they may come with higher APRs. With unsecured loans, lenders tend to pay extra attention to a borrower's credit score.
The lower a borrower's credit score is, the more they'll have to pay in APR. Lower credit scores can lead to APRs in the double digits.
Loan rates differ by lender, but often opting for a secured loan can help lower APR, even for someone with bad credit. In some cases, secured loans can offer up to 8% less in APR than unsecured loans.
Depending on the loan and the lender, you may have a choice between fixed rate (which stays the same over the life of the loan) or variable (which can rise or fall depending on changes in the market).
The interest on a variable rate loan often starts low but may increase over time. The terms of the loan agreement will specify how often the lender is allowed to raise the interest rate, and some loans cap the maximum rate at a certain percentage. By contrast, the payments and interest charges on a fixed-rate loan will remain the same.
Base your decision on whether you prefer the stability of a fixed rate or the possibility of saving on interest with a variable rate.
The personal loan landscape has changed dramatically in ways that make it more efficient for both borrowers and lenders, McBride says.
"Credit availability is better, rates are more competitive and the quick turnaround is a sharp contrast from getting a home equity loan instead," he says.
Personal loans that are used to pay off higher interest debt can be a great tool to save money on interest over time, Triggs adds.
"Avoiding the pitfalls of getting back into credit card debt, which is one of the biggest issues for consumers who struggle paying their personal loans, is critical to meeting your goal of paying off your debt in a shorter amount of time," Triggs says. "Remember, you can never borrow your way out of debt. Moving debt from one place to another can save you money, but only your consistent payments and dedication towards your goal will get you out of debt."

subset: commoncrawl


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Scott Baio Gossip
Scott Baio gossip, latest news, photos, and video.
Liza Minnelli > Denise Richards
Inconceivable but true… Charles in Charge…don't lie, don't tell me you didn't watch at least one episode and that once upon a time Scott Baio wasn't your boyfriend. So now he's in his 40s, I can't bear to look at him, but of course he has a new reality tv show and of course he was promoting it on Howard Stern yesterday and OF COURSE Howard made him talk about sex and of course he obliged. Full Story


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California Privacy Policy
Kmart.com California Privacy Policy
If you are a California resident and Kmart customer you have the right to request information from Kmart regarding the manner in which Kmart shares certain categories of your personal information with third parties, for the third parties' direct marketing purposes. California law provides that you have the right to submit a request to Kmart at its designated address and receive the following information:
- The categories of information Kmart disclosed to third parties for the third parties' direct marketing purposes during the preceding
calendar year;
- The names and addresses of third parties that received such information; and
- If the nature of a third party's business cannot be reasonably determined from the third party's name, examples of the products
or services marketed.
You are entitled to receive a copy of this information in a standardized format and the information will not be specific to you individually. Kmart's designated email address for such requests is firstname.lastname@example.com.


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- Access Digital Exclusives, Hit Shows, Live MotorSports and more!
- Ad Free - Stream Across Multiple Devices
- Cancel Anytime
Stay Updated Car news, reviews, and more!
$ 12,789
61 / 61 cu. ft.
The 2013 Acura RDX represents a departure from the fun-to-drive, previous-generation RDX, but the updates help make Acura's mid-size crossover a more grown-up choice than before. In a departure from the trend toward smaller displacement engines, the outgoing RDX's turbocharged four cylinder has been replaced with a 3.5-liter V-6 producing 273 hp and 251 lb-ft of torque, mated to a six-speed automatic transmission. And instead of Acura's "Super Handling AWD," the new RDX's available all-wheel-drive setup is similar to the system found in the new Honda CR-V. All-wheel-drive RDX models achieve 19/27 mpg city/highway, with front-wheel version rated at 20/28 mpg.
The 2013 Acura RDX features Acura's characteristic shield grille, along with sleek headlights that stretch onto the front fenders. The fenders are wider before and are filled with standard 18-inch alloy wheels. Though its lines are smoothed out compared to the last model, the 2013 RDX still doesn't offer much in terms of curb appeal. As we said in a review of the new RDX, "We've never found the RDX's styling to be particularly exciting, and that hasn't changed with the 2013 version." The RDX's five-passenger cabin is highlighted by leather seating, a contoured two-tone dashboard, and LED-backlit gauges. Keyless access with push-button start is standard, as is Bluetooth, dual-zone climate control, and a sound-cancelling Active Noise Control system.
Though it loses much of the sportiness we liked on the old model, the 2013 Acura RDX offers a more civilized ride and decent power with an engine that we found to be "quieter than the old turbo unit." The electric steering is on the numb side, but should please those looking for comfortable, practical crossover for commuting duties. Prospective RDX buyers can take comfort in knowing that the 2013 Acura RDX earned a Top Safety Pick rating from the IIHS, thanks to standard features such as energy-distributing body structure, six airbags, and a vehicle stability assist system with traction control and four-wheel anti-lock brakes.
The Acura RDX has been completely redesigned for 2013, becoming more mature and family-oriented than the outgoing model. The previous RDX's turbocharged four-cylinder has been replaced by a 3.5-liter V-6, and the crossover has grown slightly in all dimensions in order to offer more cargo and passenger room.


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13 Days Upmarket Luxury Safari in Kenya, Kenya Top Lodge Safaris
NAH LUX 441 - 13 Days Upmarket Luxury Safari in Kenya
Trip Highlights
This is a thirteen days luxury safari into some of the best wildlife sanctuaries in Kenya. This trip will start at Kenyatta International Airport after your arrival, take you through to the panoramic Rift Valley; the only earth feature observable from space and on to the world famous Masai Mara, scene of the greatest spectacle of the animal kingdom - the annual migration of thousands of wildebeest. Continue through the Rift Valley Lakes of Naivasha, Nakuru, Bogoria and Baringo at a leisurely pace enjoying your stay at these unique destinations. Proceed to Northern Kenya and the parks of Samburu and Meru with their extraordinary retinue of peculiar wildlife before ending your tour at the renowned Mt Kenya Safari Club.
You will be able to see plenty of wildlife varying from Kenya's big five; the lion, elephant, rhino, buffalo, and the leopard among a host of other different animal species. You will stay in tented camps while on this safari.
Day 1: Nairobi - Maasai Mara Game Reserve
On your arrival, you will be met by our tour manager who will brief you on your safari as you depart for Maasai Mara Game Reserve, through the Rift Valley, arriving early enough for your lunch at Big Time Camp. After lunch you will then proceed for an afternoon Game drive till dusk.
The Masai Mara National Reserve as one of the most popular tourist destinations in Kenya covers an area of over 1,500 sq. km. it is located in the Great Rift valley in an open primarily grassland where wildlife tends to be most concentrated on the reserves western escarpment. The swampy land provides more access to water and less access to tourists. The Eastern end is closest to Nairobi and hence easier to access by tourists.
Dinner and overnight a Luxury Tented Camp or lodge.
Day 2: Maasai Mara Game Reserve
Early in the morning you will go for a pre-breakfast Game viewing followed by breakfast. After breakfast you will drive, you will be taken for a Game drive and there after lunch go for an afternoon Game drive till dusk when you will go back to the luxury camp or lodge
The Maasai Mara, now The New 7the wonder of the world and 4th preferred tourist destination in the world is a home to wildlife in such abundance and variety that it is difficult to imagine. The most spectacular event of the natural world takes place here; The annual migration of millions of wildebeest and zebra from the Serengeti (Tanzania) in search of water and pasture while being followed on their heels by the predators of the savanna; lion, cheetah, wild dog, jackal, hyena and vultures.It hosts over 450 species of animals which include lions, rhinos, hippos, crocodiles, giraffe, wildebeests, zebras, buffalo, warthogs, hyenas, jackals, wild dogs, buffalo, leopard, many kinds of antelopes and elephants.
Dinner and overnight a Luxury Tented Camp or lodge.
Day 3: Maasai Mara Game Reserve
Experience the magical Masai Mara; with morning and afternoon Game drives, taking your packed lunch in the drive.
The wildebeests are the most dominant inhabitants of the Masai Mara. Their numbers are estimated in the millions. The great migration starts in July each year when well over one million wildebeest along with large numbers of Thompson's gazelles, zebra and other herbivores migrate from the Serengeti plains in Tanzania to fresh pastures in the north and then back south again in October.
Optional Balloon Flight
You can opt to carry out your game viewing activity on an adventurous and unforgettable balloon flight over the spectacular Mara at an extra cost. This package includes a champagne drink in the wild.
Dinner and overnight a Luxury Tented Camp or lodge.
Day 4: Maasai Mara - Naivasha
After breakfast, depart for Lake Naivasha which is reached in time for lunch, afternoon visit to Hells Gate National Park and the geothermal power plant.
Proceed to a luxury lodge or tented camp by the lake for dinner and overnight.
Day 5: Lake Naivasha - Lake Nakuru
Depart after breakfast and drive to the home of millions of flamingos and the home of the white rhino and about 350 different species of birds.
It is known as an ORNITHOLOGICAL PARADISE. Lake Nakuru is a soda lake on the floor of the Rift valley. It is famous due to its being a home to about 1.5 million flamingo's and the over 450 species of birds found here. The sight of the millions of flamingos is quite spectacular. From a distance the lake appears ringed in pink. The Lake has also earned a reputation as an important haven for endangered species - particularly the Rothschild Giraffe and the black and white rhino. It is a home to Lions, waterbucks, buffalos, baboons and pelicans.
Dinner and Overnight at a Lake Nakuru Lodge or Sarova Lion Hill
Day 6: Lake Bogoria - Lake Baringo
After breakfast, drive to Lake Bogoria where the hot water springs abound and plenty of medicinal springs. After lunch, visit Lake Baringo. At an extra cost, have one hour boat ride which enables you to see hippos at a close range.
Dinner and overnight at a Island Camp Baringo.
Day 7: Lake Baringo - Samburu Game Reserve
After your breakfast check out and depart for Samburu Game Reserve, arriving in time for your lunch and there-after a Game drive till dusk.
Samburu National Reserve is a wildlife haven. Here you will spot Africa's big cats - lions, cheetahs and the elusive leopard. Some animals are unique to this northern Kenya Park: Gravy's zebra, reticulated giraffe, kudu and gerenuk. The Ewaso Nyiro River, the boundary with the neighboring Buffalo Springs National Reserve, is where the elephants, buffalo and other animal species gather for a drink. You will find the scenic semiarid landscape quite dramatic. The reserve is located within the lands of the colorful semi-nomadic Samburu tribesmen.
Dinner and overnight at Ashnil Camp.
Day 8: Samburu Game Reserve
Take a pre-breakfast Game viewing followed by a breakfast in the camp site, then a morning and afternoon Game drives the whole day. Harsh but beautiful, this reserve harbors many species of animals not found in the more lush parks of the south.
Another exploration of this harshly beautiful reserve where game bounds, especially in the forest fringes of the Ewaso Nyiro River which flows gently through the dry landscape. Lunch is followed by an afternoon leisure, perhaps by the pool. Dinner and overnight at your lodge or camp.
Dinner and overnight at Ashnil Camp.
Day 9: Samburu Game Reserve - Meru National Game Reserve
You will leave the camp for a pre-breakfast Game drive. After breakfast leave Samburu for Meru National Park arriving in time for lunch. Proceed for a game drive in the afternoon.
Dinner and overnight at the luxurious Elsa's Kopje or similar.
Day 10: Meru National Game Reserve
Full day of game viewing in this land of "Bornfree" fame. All meals and overnight at Elsa's Kopje.
Day 11: Meru National Game Reserve - Mt. Kenya Safari Club
Pre-breakfast Game viewing. After breakfast depart to the luxurious Mt. Kenya Safari Club whose immaculately manicured gardens nestle on the forest slopes of Mt Kenya. After lunch you will be free to enjoy the numerous optional facilities of the club which include horseback riding, tennis, golf, bowls, swimming, or just luxuriating in the comfort and beauty of the surroundings.
Dinner and overnight at Mt. Kenya Safari Club.
Day 12: Mt. Kenya Safari Club
Spend the day on the slopes of Mount Kenya at the world renowned Mt Kenya Safari Club.
Mount Kenya National Park: The national park around Mt Kenya is very different from all others. For one thing, the protected area only starts at a height of 3,300meters above sea level and because of the rough mountain country is unsuitable for a motor safari. For another, although many animals live here (e.g. Elephants, Buffaloes) you do not see many of them except at the water hole by the mountain lodge where particularly at night many animals can be observed. The unique vegetation and fantastic scenery attract mountaineers and botanists who can plunge through mountain forests draped with lianas, bamboo and fields of giant heather before coming to the Alpine moorland, bizarre volcanic formations and finally, the eternal ice and glaziers of the summit region.
Dinner and overnight at Mt. Kenya Safari Club.
Day 13: Mt. Kenya Safari Club - Nairobi
After breakfast you will check out and depart for Nairobi arriving in Kenya's capital city at about noon.
End of Safari.
Cost Includes:
• Accommodation as stipulated in the itinerary
• Transport in custom built mini van
• Services of an English speaking tour driver/guide
• Game viewing drives and parks entrance fees as per itinerary
• All Government taxes and levies
Cost excludes:
• Hot air Balloon flight in Masai Mara US$ 450 per person extra
(Price is subject to confirmation at the time of booking.)
• All items of personal nature e.g. telephone call bills, fax / email bills etc.
• Tips and gratuities to hotel, lodges, camp staff and driver-guide
• Alcoholic and non-alcoholic drinks
• Any local or international flight and departure taxes
• Laundry services
• Any other item not included in our itinerary
• Sleeping bag and other toiletries


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Matthews, Tina Out of the Egg PICTURE BOOK Houghton Mifflin – Every thinks they know the story of the Little Red Hen – but do you know what happened next? The Red Hen learns an important lesson from her own chick in this artfully done continuation of the classic. The Japanese wood block prints work just right to illustrate this story. Any elementary school and other schools with Teacher Advisory programs need to add this to their collections. EL, MS – ADVISABLE
Noyes, Deborah When I Met the Wolf Girls, illustrated by August Hall PICTURE BOOK Houghton Mifflin – One day, a missionary brings two feral little girls to his orphanage in the jungles of
Lehman, Barbara Rainstorm Mifflin – Trapped in the house during a rainy day, a young boy finds a key that leads him to a different place and new friends. Told without words, the watercolor, gouache and ink illustrations lead you on a marvelous journey to friendship. Wordless books are a wonderful tool for prediction and narration for younger and older students. This particular title will be well loved. EL, MS – ADVISABLE


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Principia Biopharma Secures $12.5M Second Tranche In Series A Financing, Expands Senior Management Team
Principia Biopharma Announces the Appointment of Dr. Jens Oliver Funk as CSO
By Principia Biopharma, Inc.
Published: Monday, Oct. 29, 2012 - 6:26 am
SAN FRANCISCO, Oct. 29, 2012 -- SAN FRANCISCO, Oct. 29, 2012 /PRNewswire/ -- Principia Biopharma, Inc., a privately-held biopharmaceutical company focused on advancing best-in-class medicines in immunology, autoimmune diseases, and oncology announced that it successfully met its milestone obligations and received its second tranche of funding totaling $12.5 million in July 2012. The investment was led by existing investors New Leaf Venture Partners, OrbiMed Advisors, Morgenthaler Ventures, SROne and Mission Bay Capital. In February 2011, Principia completed a tiered Series A round of financing totaling $36.3 million and received the first tranche of $12 million that same month. Proceeds from this most recent financing will be used to advance Principia's lead molecule towards the clinic and to develop additional programs enabled by the company's reversible covalent platform.
Martin Babler, CEO of Principia, says, "We are pleased to complete the closing of our second tranche as it provides the necessary funding for Principia to advance our lead compound toward our first clinical trials in 2013. We appreciate the continued support from our current investors as we invest in important treatments for cancer and autoimmune disorders."
As part of Principia's growth and its initiatives to bring new medicines to patients, the company has expanded its senior management team with the hiring of Jens Oliver Funk, M.D. as Chief Scientific Officer (CSO). Dr. Funk has nearly 20 years of experience in biomedical research and management and joined Principia from Merck Serono, Merck KGaA where he was Senior Vice President of R&D and Global Head of the Therapeutic Area Oncology. Dr. Funk led the advancement of Merck Serono's oncology portfolio and successfully built a dynamic organization in Boston and Darmstadt, Germany, focusing on small molecule and biologics discovery in the fields of cancer and cancer immunotherapy. Dr. Funk has brought more than ten novel drug candidates into clinical development and contributed to the approval of Erbitux® in various indications in Europe.
Earlier in his career Dr. Funk worked in academia for ten years at UCSF, the Fred Hutchinson Cancer Research Center, and the Universities of Erlangen and Munich in research and clinical positions. Dr. Funk received his medical and scientific training at Stanford University, the University of Edinburgh and the University of Lubeck, where he graduated with an M.D. Dr. Funk has co-authored numerous scientific articles in international peer-reviewed journals and is board certified in dermatology.
Martin Babler continued, "As the company expands and advances its portfolio, Jens Oliver brings significant translational experience both in oncology and autoimmune diseases to the company and will contribute to advancing the programs into the clinic as well as prioritizing the assets from a technical and clinical viewpoint. His experience in R&D and as a clinician make him uniquely qualified to help the company maximize opportunities with its broad portfolio of autoimmune and oncology programs."
"Principia Biopharma has made remarkable progress since its initial funding in 2011," stated Dr. Funk. "I look forward to working with the team to further develop the platform and drive our lead programs towards clinical trials. It's truly an exciting time to join the company."
About Principia Biopharma
Principia Biopharma is a private, pre-clinical stage company initially focused on the discovery and development of differentiated small molecule drugs targeting inflammatory/autoimmune diseases as well as cancer. The company expects to submit an IND for its lead program in 2013 and continues to invest in additional programs and its reversible covalent platform. Principia raised a $36.3 million Series A round of investment from a leading group of health care investors including New Leaf Venture Partners, OrbiMed Advisors, Morgenthaler Ventures, SROne and Mission Bay Capital. For more information, please visit the company's website at www.principiabio.com.
This press release contains certain forward-looking statements that involve risks and uncertainties. Such statements are only predictions based on management's current projections and goals and are subject to a number of factors and uncertainties. Information in these forward-looking statements is inherently uncertain and the Company's actual results may differ materially from those anticipated in such forward-looking statements.


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Friday, January 7, 2011
(CNN) — The U.S. Department of Health and Human Services and the U.S. Environmental Protection Agency are recommending changing for the first time in nearly 50 years the amount of fluoride allowed in drinking water because of an increase in fluorosis — a condition that causes spotting and streaking on children's teeth.
The government is proposing that the recommended amount for fluoride in drinking water be set at 0.7 milligrams per liter of water. The proposal would replace the current recommended range of 0.7 to 1.2 milligrams per liter, which has been in place since 1962. The EPA will determine whether the maximum amount of fluoride allowed in water will also be lowered.
Fluoride was first added to water in the United States in the 1940s to help prevent tooth decay in children 8 years and under, considered the tooth-forming years.
RELATED: Professor Paul Connett: Your Toxic Tap Water
Paul Joseph Watson
Prison Planet.com
Dr. Paul Connett, Professor of Chemistry at St. Lawrence University in New York, gives a damning interview on the history of water fluoridation, the collusion of major industries to put certified toxic waste into your drinking water, and why government health authorities refuse to conduct scientific studies into the dangers of fluoridation. After watching this video, you will never look at tap water the same way again.
- A d v e r t i s e m e n t
- {openx:49}
Connett describes how he initially thought people who opposed fluoridation were "a bunch of whackos," before conducting his own research which found that sodium fluoride was a toxic substance that contributed to a wide array of health defects. Heavy industry is barred from dumping this toxic waste into the sea by international law, but being able to sell it enables them to remove its hazardous characteristic and it becomes a product, explains Connett, polluting not only our water supply but also toothpaste and thousands of different foods.
Connett provides a detail run down of the many health problems caused by fluoride consumption, including dental fluorosis, which the Centers For Disease Control just recently announced was a problem for 41 per cent of children aged 12-15 in the United States, clearly indicating that children are being over-exposed to fluoride and that this is affecting other tissues and organs in the body, including bone disorders, a problem also wreaking havoc amongst adults in the United States as one in three now suffer from arthritis, which again is being caused by a build-up of toxic fluoride in the body. Connett also points to fluoride's connection with thyroid disorders.
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There have now been over 100 studies involving animals which show that fluoride damages the brain, stresses Connett, which is a particular concern for newborn babies who are susceptible to fluoride build up because of their weak blood-brain barrier. Connett cites numerous studies which prove a link between moderate exposure to fluoride and lowered IQ in children.
Fluoride's impact on the pineal gland, which is a piece of brain tissue that sits in-between the two hemispheres of the brain, is key because fluoride attracts to this gland like a magnet. Researchers have found through animal studies that fluoride lowers the ability of the pineal gland to produce the hormone melatonin, which in turn shortens the time it takes to reach puberty, correlating with studies of fluoridated communities that show girls are on average menstruating 5 months earlier than those in non-fluoridated communities. Children are entering puberty at increasingly early stages and this is causing widespread concern, but health authorities have made no effort whatsoever to conduct any studies regarding this development and its link to fluoride.
Health authorities in western countries, particularly the United States, are deliberately covering-up the deadly threat posed by fluoride by refusing to conduct any studies into its impact on health, as Connett explains. They have chosen to protect the sanctity of the method of mass fluoridation over and above protecting the health of babies and children. Connett emphasizes the fact that there is virtually no difference in the health of teeth between people in fluoridated areas and non-fluoridated areas, proving that there are no health benefits at all that can be achieved through fluoridating the water supply.
Connett underscores how out of control health authorities in the United States have become, putting out studies that claim injecting mercury into a baby's bloodstream through vaccines is perfectly safe and good for babies' brains, while regulating mercury emissions in every other field because it is highly toxic. They have taken a similar approach in the fluoride debate, issuing studies that claim sodium fluoride, a toxic waste which has been heavily regulated in the industrial sphere for decades, has many beneficial health advantages when ingested into the human body. This is fostering widespread distrust in government health agencies because scientists involved with them are overseeing a "sickening" cover-up of the fluoride issue, states Connett.
This is a highly detailed and in-depth one hour study of the case against fluoride and it demolishes the notion that fluoride has any rightful place in our public water supply.
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Dwyer totaled nine points as the Crimson went 2-0 last week (Gil Talbot).
CAMBRIDGE, Mass. – Freshman Devin Dwyer was named the Ivy League Rookie of the Week on Monday, marking the second straight week he has garnered the award.
Dwyer helped the Crimson to a 2-0 week beginning with an 18-8 victory at Quinnipiac on Tuesday. The freshmen matched his career-high with six points against the Bobcats, scoring two goals and adding four assists to go with two ground balls. Dwyer then tallied three assists on Saturday as Harvard defeated No. 16/14 Penn in overtime, 8-7.
The Garden City, N.Y. native has registered at least one point in all but one contest this season and has turned in multiple points on nine occasions. Dwyer currently leads the team with 38 points, fifth best in the Ivy League, while his team-leading 23 assists rank second in the conference. He earned his first rookie of the week honor last Monday following his five-point performance (2g, 3a) versus No. 2/2 Cornell.
This marks Harvard's third weekly award from the Ancient Eight this season after Harry Krieger was named player of the week March 25. The senior goalkeeper stopped 28-of-39 shots in wins over Bryant and Dartmouth, and posted a .718 save percentage with a 5.50 goals against average for the week.
Dwyer and the Crimson return to action Friday, April 19 at No. 13/12 Princeton. First face off is scheduled for 6 p.m. live on ESPNU.


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Managing Your DNS Zone Files in Parallels Plesk Panel
The instructions in this article apply only to Parallels Plesk Panel 9.
Parallels Plesk Panel automatically creates a DNS zone when you create a domain. However, Parallels Plesk Panel administrators can customize DNS zones for their own domains.
Note: 99% of the time, you will not need to modify your DNS zones. Be very careful when making changes to your zone file. Improper DNS setup can make you website, email, and FTP services unavailable.
To View and Manage the Zone File for a Specific Domain
- Log in to Parallels Plesk Panel as an Admin.
- From the list of domains at the bottom of the page, click on the domain name you want to work with.
- Under the Services group, click the DNS button.
From the DNS Zone Properties screen, you can add/remove zone records, change zone types, or turn off the local DNS service for your domain.


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Holley's 2013 Engine Swap Challenge
Exactly one year ago, in Engine Swaps Winter 2013, we predicted that after an unorthodox victory pulled off by Justin Dermody and Shane Sherman, Holley would seriously revamp the Engine Swap Challenge. Why? Because Justin and Shane won in a record-breaking fashion that, while adhering to the letter of the competition's rules, seriously tested their limits.
In case you missed our coverage of last year's Challenge, Justin and Shane employed a plethora of innovative, timesaving tricks that allowed them to swap engines in their Trans Am in a scant 31.57 minutes. The most nefarious trick was the custom engine perches welded to the F-car's front subframe that positioned the engine and transmission at nearly 45 degrees, allowing them to easily slip the old engine out and slide the new one in place. The severe driveline angle limited them to idling the newly swapped car around Beech Bend Raceway's facility, and that's about it. Like we said, they conformed to the rules but just barely.
To change things up and place more emphasis on the mechanical aspects of the swap itself, Holley provided the two cars for this year's Engine Swap Challenge, rather than allowing the teams to bring cars they'd had an opportunity to prep ahead of time: a pair of secondgeneration Camaros, purchased from Florida and nearly identical in spec, both with a small-block Chevy and TH350 transmission. Holley engineers inspected each car, pre-wired Holley's HP EFI system and upgraded the fuel system to deliver the necessary fuel pressure. Up for grabs was a 6.0L crate engine. All you had to do was beat the other team swapping it into the Camaro. No pressure, right?
This year's competitors were chosen by Holley from applications submitted to Holley.com. Here, Holley's Sr. Product Manager Jay McFarland (far left) discusses some preliminary details with the two teams: Adam Leigh and Pete Eskew, and Keilum Griffin and Michael Edwards (left to right). Adam and Pete are both technicians at GM dealerships, so they know their way around new engines. Keilum is actually an IT guy by day but is an avid car enthusiast away from his computer, and Michael has been a mechanic at an independent shop for 25 years.
HorsePower, part of Spike TV's PowerBlock, was filming the competition to air later this year. Both teams were interviewed by veteran host Joe Elmore.
Prior to the start of the competition, both teams were allowed to inspect the engines to be swapped so they could formulate a strategy. The engines would need to be partially disassembled to fit onto the engine hoists Holley provided.
The two cars chosen by Holley were hidden under tarps; none of the competitors knew what he would be working with prior to the start of the competition. At exactly 10 a.m. on Saturday, Holley's Bill Tichenor
fired a blast from a rally horn signaling the beginning of the competition. Note the box resting on the car cover. Holley disguised both cars this way to prevent people from guessing the make and the model by the car's silhouette.
With the covers off, the teams wasted no time getting to work. As required by the rules, they had to start the cars to verify each Gen I Chevy ran properly. They cranked the engines, and then shut them off within seconds of the engines catching. No need getting the coolant or oil any hotter than necessary. Keilum must have drawn the short straw; he was dirty a few seconds later draining the coolant and loosening the bellhousing bolts.
On the other side of the fence, Adam and Pete seemed to be pulling into a slight lead, bolting the provided Mac's Pivot Plate to the small-block and hooking up the hoist. Note Adam's crunched knuckles. These guys were hustling.
Adam and Pete indeed were the first to have the 350 out of their Camaro, just about 20 minutes into the competition.
Several minutes behind the other team, Keilum and Michael had difficulties removing the engine from the car because various parts kept snagging. Here, Keilum is removing the radiator and electric fan.
Meanwhile, Adam and Pete were quickly removing the intake manifold from the waiting 6.0L engine. This was a necessary step because the rules require the teams to use the Pivot Plate to install the new engine. It bolts to the exhaust manifold flange and doesn't clear Holley's tall intake manifold.
For the competition, Holley provided each team with an engine hoist, Mac's Pivot Plate engine lift plate, a floor jack, and Race Ramps wheel blocks. The teams were required to bring their own tools, and no power tools were allowed to be used during the competition at any time.
A large crowd had gathered inside and around the tent housing the Engine Swap Challenge, and it only got bigger as time went on.
As Keilum and Michael were removing their small-block, Pete and Adam had their 6.0L on the engine hoist and were moving into position to drop it in the car.
Adam and Pete struggled somewhat with the bellhousing fasteners. "We had problems with the trans bolts," Adam said, adding that there wasn't much room to get a wrench on all of them.
This allowed Keilum and Michael to catch up abit, as they had quickly disassembled the top end, attached the Pivot Plate, and were lowering the new engine into place within a few minutes of the old one being removed.
With the engine in place, the intake back on, and the wiring plugged in, Adam twisted the key and was greeted with the deafening sound of silence, no cranking, no fuel pump noises. Pete grabbed his trusty test light and had the problem figured out in less than a minute. They had plugged the system into the distributor wire rather than a constant 12V source.
With the system wired correctly, the engine fired and ran normally. Their timer stopped to give the judges from Holley time to check the car over to make sure all the fasteners were tight and everything was in place as required by the rules. Their work was up to snuff, so the next step was for Adam and Pete to drive the car around Beech Bend Raceway behind a Holley chase car.
The most dramatic moment of the competition happened when the guys put the car into Reverse and nothing happened. Had the torque converter slipped off the input shaft? Would they have to remove the engine again? Adam quickly checked the dipstick and found it to be bone dry. "I knew we didn't spill any trans fluid," he said later, "it had to be low, there was no other explanation." Holley's Bill Tichenor started checking to see if they could locate some ATF. No time was added to Pete and Adam's overall time because this incident wasn't their fault.
Undaunted, Keilum and Michael kept plugging away (pun intended), bolting in the intake and making the necessary wiring connections.
Upon the successful completion of their test drive, Adam and Pete were officially declared the winners. It took them just 1 hour and 40 minutes to swap an 6.0L in place of a running 350, and as such, they get to keep the engine they had just swapped into the Camaro—they just had to remove it first!
Though they didn't win, Keilum and Michael did the same job in just 2 hours and 11 minutes, and that is just as impressive to us as the winning time. These guys never quit, even when it seemed like they were hopelessly behind. Holley offered the second engine to these guys at a really good price, which they jumped on, so no one went home empty-handed.
Think you can do better than these teams? Keep checking Holley.com/ LSfest for Holley's official announcement for next year's LS Fest. Grab a buddy and bring your A game. It's a lot tougher than you might think in front of the crowd and TV cameras.


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VisionFund Zambia impacts the lives of children by providing poor business owners with access to financial services. This enables them to expand their small business and meet the additional income to buy food and send their children to school.
Our services stretch into the rural districts of Zambia that have the highest levels of poverty. This enables the rural poor to take advantage of business opportunities, giving them a fighting chance to move out of poverty.
Established in 2003, we have been providing clients with small loans to begin or grow their businesses. The loans provide much needed working capital to increase the growth of their business and consequently increase the income for their families. By focusing on women, who constitute about 70% of our clients, we have been able to complement World Vision's efforts of improving the lives of the most poverty stricken communities in Zambia.
©2014 World Vision International. All photos are the property of World Vision.


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Note: passwords are case-sensitive
Security and surveillance emergency operations centers (EOC) need to display high-quality video and information feeds so operators can detect and act on security breaches before they become threats.
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Christie has been providing purpose-built, rear-screen video wall displays for control room environments for more than 30 years. Our DLP®-based video wall solutions deliver the most reliable and flexible performance. Christie's video wall controllers and video wall display cubes ensure the projection systems you choose will show native HD content or standard content in a variety of viewable formats that are dynamically configured in size and aspect ratio.
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Panarchy: Understanding Transformations in Human and Natural Systems
Creating institutions to meet the challenge of sustainability is arguably the most important task confronting society; it is also dauntingly complex. Ecological, economic, and social elements all play a role, but despite ongoing efforts, researchers have yet to succeed in integrating the various disciplines in a way that gives adequate representation to the insights of each.Panarchy, a term devised to describe evolving hierarchical systems with multiple interrelated elements, offers an important new framework for understanding and resolving this dilemma. Panarchy is the structure in which systems, including those of nature (e.g., forests) and of humans (e.g., capitalism), as well as combined human-natural systems (e.g., institutions that govern natural resource use such as the Forest Service), are interlinked in continual adaptive cycles of growth, accumulation, restructuring, and renewal. These transformational cycles take place at scales ranging from a drop of water to the biosphere, over periods from days to geologic epochs. By understanding these cycles and their scales, researchers can identify the points at which a system is capable of accepting positive change, and can use those leverage points to foster resilience and sustainability within the system.This volume brings together leading thinkers on the subject -- including Fikret Berkes, Buz Brock, Steve Carpenter, Carl Folke, Lance Gunderson, C.S. Holling, Don Ludwig, Karl-Goran Maler, Charles Perrings, Marten Scheffer, Brian Walker, and Frances Westley -- to develop and examine the concept of panarchy and to consider how it can be applied to human, natural, and human-natural systems. Throughout, contributors seek to identify adaptive approaches to management that recognize uncertainty and encourage innovation while fostering resilience.The book is a fundamental new development in a widely acclaimed line of inquiry. It represents the first step in integrating disciplinary knowledge for the adaptive management of human-natural systems across widely divergent scales, and offers an important base of knowledge from which institutions for adaptive management can be developed. It will be an invaluable source of ideas and understanding for students, researchers, and professionals involved with ecology, conservation biology, ecological economics, environmental policy, or related fields.
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Table des matičres
In Quest of a Theory of Adaptive Change
Resilience and Adaptive Cycles
Sustainability and Panarchies
Droits d'auteur
15 autres sections non affichées
Autres éditions - Tout afficher
Panarchy: understanding transformations in human and natural systems
Lance H. Gunderson,C. S. Holling
Affichage d'extraits - 2002
Panarchy: Understanding Transformations in Human and Natural Systems
Lance H. Gunderson,C. S. Holling
Affichage d'extraits - 2001
Expressions et termes fréquents
accumulated adaptive cycle adaptive management Affectors agencies agents alternative stable approach behavior biomass Brock C. S. Holling Carpenter Chapter climate change collapse complex complex adaptive systems connectedness conservation Conservation Ecology create crises crisis critical cultural decision described disturbance diversity dynamics dystopia Ecocommunalism ecological systems economic ecosys ecosystem effects emerge Enjoyers environment environmental equilibrium eutrophic Everglades example exploitation external Figure fish fisheries flip forest function future global groups growth Gunderson hierarchy Holling human systems increase individual institutions interactions Karel lake landscape learning models Nash equilibrium nature nonlinear nutrient occur oligotrophic optimal organization panarchy patterns phase phosphorus political population potential practices problem processes production rangelands regional renewal reorganization resilience resource management response result scales scenarios self-organized shifts slow variables social capital social systems society spatial species stakeholders stress structure sustainability theory tion traditional transformation uncertainty understanding vegetation welfare


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Science Friday® is produced by the Science Friday Initiative, a 501(c)(3) nonprofit organization.
Science Friday® and SciFri® are registered service marks of Science Friday, Inc. Site design by Pentagram; engineering by Mediapolis.
No lab? No Ph.D.? No problem. Sign on for some citizen science. We'll talk about the rise of scientific research projects that rely on citizen volunteers, from games that allow you to try your hand at optimizing protein folding, to programs that let you take part in searches for astronomical objects. Are you a participant in a citizen science project? Tell us about it!
The organizers of The Milky Way Project have challenged Science Friday listeners to help in a massive image classification project. Join in here.


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jeffnaz necesitaba un nuevo diseño de otro y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 39 diseños de 10 diseñadores freelance.
Material within the workbook, "Become an Agent Magnet," teaches loan officers how to market their services to real estate agents. I need the cover (8.5 x 11 in) upgraded to be more professional.
A Loan Officer's Breakthrough Formula for Standing Out from the Crowd and Attracting Agents
Accepted File Formats:
illustrator, photoshop
I sell information-based products / services over the Internet - see http://www.loan-officer-marketing.com.
My flagship product is a workbook & CD's titled - Become an Agent Magnet. It teaches loan officers how to market their services to real estates agents.
I need a professional cover designed for the workbook. The cover is 8.5 x 11 in. (one side only).
I will print the cover for the hard copy workbook and convert it into a gif to use on my site. Since I'll print and spiral bound the cover, do not bleed your artwork to the edge. I recommend you leave at 1/8" edge around the document.
I prefer the artwork created in Illustrator or Photoshop.
I have no definitive preference on color palette, but want 4 color and would like to see designs that don't use a magnet like I have on the cover now. Royalty-free stock images acceptable.
click here to view the current cover:


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Guides A-Z
Information guide providing background information about heat flow in residential buildings.
Guide describing combustion furnaces with compliance and installation guidance.
Guide describing design and installation of compact duct systems for central heating and cooling systems.
Guide describing compression cooling air conditioning systems for space cooling.
This guide describes evaporative cooling technologies which can be used to cool homes in dry climates.
Guide describing how to upgrade or expand an existing HVAC system.
Guide providing information about geothermal (ground-source) heat pumps including an overview of technology and guidance on compliance and installation.
Guide describing the split system heat pumps used for central forced air heating and cooling.
This guide can help you assess an existing Heating, Ventilation and Air Conditioning (HVAC) system for potential intervention such as repair, upgrade or expansion, or replacement.
Guide describing the split system heat pumps used for central forced air heating and cooling.


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All three evening newscasts on Tuesday and the morning shows on Wednesday skipped a new Super PAC ad (run by former Obama spokesman Bill Burton) that blames Mitt Romney for a woman's death from cancer. While ignoring that, NBC, ABC and CBS made sure to highlight negative news for Romney or White House complaints about the Republican's new campaign spots.
By contrast, CNN on Tuesday demolished the Obama super PAC ad as "not accurate." Anchor Wolf Blitzer asserted it was "full of falsehoods." The spot misleadingly claims that Ranae Soptic passed away from cancer shortly after Bain Capital closed down the steel plant her husband worked at. In reality, she died five years later. Instead of investigating this, Good Morning America's Josh Elliott on Wednesday alerted, "Our new ABC News/Washington Post poll finds [Romney's] personal popularity sinking to a new low, the lowest of any presumptive nominee since 1984."
Amazingly, NBC Nightly News anchor Brian Williams portrayed both sides as "getting personal in the race for the president." He added, "Tonight, what the candidates are now calling each other."
Still, there was no mention of Mr. Soptic. In the Priorities USA spot, he says this:
When Mitt Romney closed the plant I lost my healthcare, and my family lost their healthcare," Soptic says in the ad put out by Priorities USA Action, the main pro-Obama super PAC. "A short time after that, my wife became ill. I don't know how long she was sick and I think maybe she didn't say anything because she knew we couldn't afford the insurance.
Williams haughtily lectured, "Now to the campaign trail, where the dialogue has become a bit less than presidential in the past few days."
Here's CNN's debunking of the ad:
It's a very heart-wrenching story, but it's not accurate. Here is the actual timeline:
Romney stopped his day-to-day oversight at Bain Capital in 1999 when he left to run the Salt Lake City Olympics, though he officially remained CEO until 2002. Bain Capital shut down GST Steel in 2001, costing Soptic his job.
According to Mr. Soptic, his wife received her primary insurance through her employer – a local thrift store called Savers – and retained it even after his layoff. Soptic's policy through GST Steel was her secondary coverage.
On the CBS Evening News, anchor Bob Schieffer ignored the vicious spot by Obama supporters and instead noted Romney's assertion that "if elected he will make sure that welfare recipients are required to work." Schieffer added that the Republican slammed the President for "creating a culture of dependency. The host made sure to parrot the White's House's complaints about Romney's"categorically false and blatantly dishonest" assertions.
On Wednesday, Jan Crawford also skipped the "Romney-killed-my-wife" commercial and highlighted Obama's defense of changes to welfare: "The White House says the order gives states flexibility in how they provide welfare to low-income residents."
Crawford went on to point out spokesman Jay Carney's denunciation of Romney's claims, as well as Bill Clinton's.
NBC's Today, Wednesday, avoided the presidential race all together. World News on Tuesday offered a Jon Karl report on vice presidential speculation. The hosts of Morning Joe did press former Obama aide Robert Gibbs to denounce the ad. He refused.
Is anyone unclear as to what would happen if a conservative, Romney-related super PAC released an ad falsely implicating Obama in a woman's death?
A transcript of the August 8 GMA news brief and the August 7 Evening News report can be found below:
JOSH ELLIOTT: Turning now to politics. A new challenge for Mitt Romney this morning. Our new ABC News/Washington Post poll finds his personal popularity sinking to a new low, the lowest of any presumptive nominee since 1984. President obama enjoys higher popularity, but still faces a major challenge among men.
BOB SCHIEFFER: In the presidential campaign, Republican Mitt Romney vowed today that if elected he will make sure that welfare recipients are required to work. He criticized President Obama for giving states more leeway on that, saying the president is creating what he called a culture of dependency. The White House called Romney's accusation "categorically false and blatantly dishonest" noting that as governor of Massachusetts Romney himself had asked for waivers on the work requirement.


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Becoming the newest major carrier to enter the contract-free game, T-Mobile USA just announced GoSmart Mobile, its new brand boasting no annual contract with the hopes of appealing to the more shallow-pocketed of users.
Keeping in line with other no-contract suppliers, T-Mobile's offerings will begin at $30 a month for unlimited talk and text; adding data into the mix, though, only tacks on additional $5. Customers will have the choice of buying a SIM kit to use with their existing phone or one of GoSmart's low-priced (and likely highly limited) devices.
But T-Mobile's move to add no-contract doesn't really come as a surprise—the number of mobile users not on an annual contract should hit around 80 million by the end of the year. This portion of users is still in no way a majority, but it will be interesting to see how mobile plan offerings change as more and more users begin shying away from binding, annual contracts. [GoSmart Mobile]


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A new poll from Public Policy Polling today shows two very different potential elections in 2014. If Governor Paul LePage (who has consistently had one of the lowest approval ratings of any governor in the country) faces a Democratic candidate one-on-one, he goes down hard. The poll shows him behind by a minimum of 13 points in each of the sample ballots.
If, however, independent candidate Eliot Cutler enters the race, as he did in 2010 and seems likely to do again, LePage becomes favored to win re-election.
The main reason for this is that LePage has done a good job maintaining his base over the past two years and still commands the same level of support that he won with in the last gubernatorial contest. This support hasn't increased, but neither has it diminished. In this poll he maintains between around 35%-40% of the vote, regardless of the number or names of his opponents.
Cutler also seems to have his own upper limit. In this poll, even against the weakest Democratic challengers considered (Janet Mills and Ethan Strimling), Cutler only gets 32% of the vote. Only if there is no Democrat in the race at all does his support rise high enough to defeat LePage. This points towards there being a significant Democratic base that it would be difficult for him to ever shake loose (although if anything could do it, it would probably be the fear of another four years of LePage).
While this poll (and Cutler's apparent wishes to run again) would seem to bode well for LePage, there is a path to victory for Democrats outlined in these numbers. Two potential candidates – Representatives Chellie Pingree and Mike Michaud – poll ahead of Cutler and if they were to enter the race and maintain that kind of lead, it would damage his arguments about electability and likely greatly erode his support to their benefit.
I should also mention that this poll is almost two years out, and anything can happen.
Other interesting numbers from this survey:
Former Governor John Baldacci has a favorable/unfavorable rating that is negative (40/46), but still higher than LePage's job approval numbers (39/55).
Of all the candidates named, only Baldacci, LePage and Ethan Strimling have approval numbers that are a net negative. Rep. Mike Michaud is viewed the most favorably (58/23) of the candidates reviewed.
0% of Democrats want Steve Woods to be their nominee.


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Looking at this video about the new pistons in Minecraft 1.7, he has arranged 3 horizontal-pushing pistons in a stack vertically and is using an alternating pattern of redstone torches to activate them together.
*D for dirt; ' for redstone torches; ||=| for pistons; and _ for redstone wire
What minecraft circuit wizardry is in play here that makes all the pistons activate together when the input is on? Furthermore, could the pattern be extended upwards indefinitely like this?


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Special Reports
By MALCOLM M. DEVORE Partner, Los Angles Office
Presented before the Southern States Accounting
Conference, Oklahoma City — June 1959
WHENEVER I undertake to write a paper on a technical accounting
subject, I inevitably conclude that we must be a very young profession, for we do seem to have so many unanswered problems.
Yet, I suppose one could equally support the proposition that an awareness of unanswered problems is really a sign of increasing maturity, for without maturity of some degree we would be unable to recognize our problems.
In any event, I am certain that we do have problems. And in the field of auditing, our Committee on Auditing Procedure of the American Institute exists to give us help with our problems. This is the function of that Committee and this is why they periodically issue their Statements on Auditing Procedures.
Statement No. 28, entitled Special Reports, is one such statement
and it is the particular one which is now to occupy our attention.
Since we are in the field of reports, I suggest we start our present consideration with audit reports as they existed when I started in the practice of public accounting about thirty years ago. This is a good starting point, not because it coincides with my entry into the profession, but because it was just prior to some significant changes in the accounting profession, and particularly in our reporting practices.
Consider, if you will, a typical opinion (I should say certificate because that's what we called it then and that's what it said it was) as of the year 1929:
We have examined the accounts of the XYZ Company for the year ended December 31, 1929 and hereby certify that the annexed balance sheet and statement of income and profit and loss are in accordance therewith.
We further certify that said statements, in our opinion, present a true and correct view of the financial condition of the Company at December
31, 1929, and the results of its operations for the year then ended.
To those interested in antiques, viewed from hindsight, this certificate
is a little gem. Please note that the auditors—


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Courtney Hooton had two birdies Saturday (Casey Valentine).
STANFORD, Calif. -- The Harvard women's golf team posted its best score of the weekend, shooting a combined 299 on day three of the NCAA West Regional, hosted by Stanford at the Stanford Golf Course.
The Crimson earned seven birdies as a team Saturday and finished 20th out of 24 teams, posting a three-day score of 913 (309-305-299).
Southern Calfornia (859) edged Purdue (860) to win the regional. The Crimson finished with a better score than Miami (927), Northern Arizona (940), North Dakota State (947) and Long Island (961). Harvard was just four strokes behind Florida State (909).
Brenna Nelsen had the Crimson's best score of the weekend Saturday, finishing +1, shooting 72. She finished tied for 50th at 224. Bonnie Hu was one stroke behind Nelsen for the weekend (225) and placed tied for 55th.
Freshman Christine Lin rearned a Harvard-best eight birdies over the three days of action, including three on Saturday. She shot a combined 230 and was +4 Saturday (75). Rounding out the Harvard golfers were Courtney Hooton (234) who finished +5 on day three and Tiffany Lim (252).
By the Harvard women's golf team
After defending their Ivy League Championship title a couple weeks ago, the Crimson returned to sunny California for the NCAA West Regionals at the Stanford Golf Course. The regional draw was fortunate as the team had played in the Stanford Invitational earlier in the fall and was familiar with the course. Just like in the fall, the Crimson had a huge show of support from each player's family members and long time supporters such as Mr. and Mrs. Rhoads (Kevin's parents) and Mr. and Mrs. Hazlett (parents of Jessica Hazlett, '08). Unfortunately, because the tournament was taking place during the end of reading period and the start of finals period, team members had to spend most of their down time writing papers, studying for exams, and even taking exams.
The Crimson did not have its best start on Day 1, beginning with a team total of 309. Junior captain Bonnie Hu '14 and sophomore Brenna Nelsen '15 led the way with a pair of 2-over-par 73's. Bonnie began her round with a bang, carding 2-under on the first nine. Nelsen's round was characterized by consistent ball-striking and many good looks for birdie, an impressive feat given her recent ordeal with her lower-leg injury. Christine Lin '16 and Courtney Hooton '16 followed with scores of 81 and 82, respectively, while Tiffany Lim '15 finished with an 85. Scores were high in general, but Harvard sat in 21st place after coming in as the #20 seed. Hooton finished off her day with her second Spanish exam in 2 days.
On Day 2, the team managed to improve on their previous team total by 4 strokes, finishing with a score of 305 and moving up to 19th place. Lin posted the low score for the Crimson after a rocky start to her round. Thanks to her great putting and iron shots, she came back with 4 birdies to finish with a 74. Hu finished with a 76 after struggling to make birdies despite her consistent ball striking. Likewise, Hooton rallied during her round and improved on her first round score to also post a 76. Nelsen managed 79. After the round, Hu took a 3-hour Econ exam on the Stanford campus while the other team members did some practicing and a lot of studying. That evening, Mr. and Mrs. Nelsen graciously invited all team members and family to have dinner at their house, providing a much needed, if brief, opport unity for rest and relaxation.
Saturday started early for Lin, as she had to take her 3 hour Math final before her round. Continuing the trend, the team improved their team total once again on Day 3, breaking 300 and shooting a total of 299. Nelsen's game continued to come together, and she posted a very respectable 72 despite a few shaky drives. Her round consisted of many scrambles to save par, even from outside of 125 yards, and some tough lip-outs for birdie. Lin continued her solid play from Day 2 and finished with a 75, making 3 birdies in the process. Twins Hooton and Hu once again turned in a pair of 76's, and both of their rounds were characterized by many good holes combined with a few not-so-great holes. Lim had a solid day three, and finished with an 80 despite a high number on her final hole.


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The creation of Tralala began before I started at Penhaligon's and was the vision of my predecessor; Emily Maben. My knowledge of Meadham Kirchhoff before I took over was non-existent so for me the last year has been a process of learning and understanding their world in terms of the perfume.
There are many fragrances "designed" by fashion houses, effectively parts of a merchandising machine which exist to diffuse the brand as much as to deliver an olfactory interpretation of the aesthetic. With Tralala, we always sought to make that interpretation with integrity, in keeping with how we do things at Penhaligon's and with Ben and Ed's visual language.
It's no coincidence that our oldest and perhaps most individual perfume; Hammam Bouquet; is Ben and Ed's favourite. The choice illustrates their innate understanding of what Penhaligon's is; that unique hybrid of heritage and individuality, exciting sensory experiences having their roots in the past. This understanding was and remains the root of this collaboration.
unlike anything else yet reminiscent of so much
As with many things, a meeting of minds sparked an idea, the concept of a fragrance inspired by their particular world. A world of the whimsical and nostalgic, filtered through modern eyes.
Probably over a cup of tea and a piece of cake (although I have no proof) Emily asked Ben and Ed if they would act as inspiration, or muses, for a new Penhaligon's perfume.
They would allow our perfumer, Bertrand Duchaufour, access to them and their studio, to work his magic and interpret the inspiration he found into an olfactory language.
As had been said before, perfume can be a medium of expression, a means of creating emotion beyond what's communicable in any other way, an extra dimension. By working with Meadham Kirchhoff, we feel that we've managed to transmute their world into fragrance.
Ed has mentioned that he loves the idea of fragrance dominating a space, of it announcing someone's imminent arrival and lingering when they leave, like the sense of warmth and impression on your eyes after the sun hits them. Tralala is that sense made manifest, apply it and experience, be transported somewhere long gone, or perhaps undiscovered, or half forgotten.
But in the end, it smells amazing; unlike anything else yet reminiscent of so much. Enjoy the future memories.
Matthew Huband
Head of Global marketing, Penhaligon's
A world of the whimsical and nostalgic, filtered through modern eyes


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THE MODERATOR: We're joined by Coach Randy Edsall. Coach, an opening statement.
COACH EDSALL: It's a pleasure to be here on behalf of our University of Maryland, our athletic department, and we're very thrilled to be a part of the Big Ten Conference and everything that it represents and stands for. And I know that the three young men that I brought here today with me have been very, very impressed with what they've seen so far. And three outstanding guys that you'll get a chance to talk to and visit with.
And C.J. Brown, our professional student, who is back for his sixth year, leader of our team as a quarterback, outstanding young man from Pittsburgh who hopefully has all the injuries behind him now. Had a good year last year, and we expect big things out of him this year as we look forward to this season.
We also have Jeremiah Johnson, a young man who is a defensive back for us, that is coming back off an injury from a year ago, fully recovered now, and has been a great leader for our team since he's been at Maryland and somebody that's 100 percent healthy now and ready to go.
And then also Stefon Diggs, our wide receiver, a junior wide receiver who has come back off his injury, and ready to go this year and fully recovered and really has done a good job this offseason.
But three outstanding young men. C.J. is into his master's degree. J.J. has his degree, and Stefon's doing an outstanding job in the classroom.
Just to give you a little bit about who we are at Maryland and what we're all about. One of the things that we really believe in, and I think it fits into what the Big Ten is all about, we're a program that really believes in developing our kids holistically, and that means that we're going to develop them as students, as athletes, and as people, and to make sure that we provide them with all the things necessary so they can go on and be successful once their academic career is over, athletic career is over. And that's something that we take a lot of pride in and it's something that we're able to attract young men to come to Maryland.
The one thing that we want to do also is we want to be able to win at the highest level and win the right way and to make sure that we're
providing these young men with opportunities that maybe they didn't think they could get, but also what we want to do is we want to provide them with better opportunities than what myself and our coaches have had for ourselves.
So we know we have a tremendous challenge that's ahead of us this year as we enter the Big Ten, but one that we're really looking
forward to.
We have 10 new opponents that we have to prepare for. So the spring and the summer has been a whirlwind for us as coaches from the
standpoint of getting to know the teams here in the Big Ten that we're going to be going against and understanding their personnel, understanding their schemes and what they like to do.
But, again, we're also looking forward to the fact that being a member of this conference, because of what this conference stands for
academically, the collegiate model that it represents in terms of helping the student-athletes grow as students and as athletes. With that, I'll open it up to any questions.
Q. Have you sought any advice from other coaches about making a move to a new league?
COACH EDSALL: We've talked to some of the other coaches, but the good thing for me is the fact that I've been involved with this quite a few times in my career, having gone to the Jacksonville Jaguars and the expansion team, going into the league there as an assistant coach, and then also made the jump from 1-AA to the Big East.
So again, the biggest focus I think that we've had to have for us making this move is really just finding out who the other teams are and
studying what they do, but also what we have to do is make sure that we continue to do what we do and continue to make sure that we get better.
So that's been our whole focus is continuing to work on making ourselves better and enhancing what we do, but getting an understanding and getting a feel for all the teams in this outstanding league. And I think we've done a good job with that throughout the spring and summer.
Q. I'm not asking you to look past your first game, but your first five. I want you to describe what's that atmosphere going to be like at your place when Ohio State comes in the first Big Ten home game?
COACH EDSALL: Well, I think it will be electric. I think it will be a sold-out crowd. It will be something that I know our fans are looking forward to. Ohio State is a program with great tradition and history and one that has done very, very well. And it will be something that I think everybody that's in attendance and everybody that gets a chance to watch on TV wished that they were there, because I think it will be a ton of excitement, one that I know we're looking forward to as well as all the other games we're going to play.
Q. Wondering, coming from the ACC, is there a certain type of player that you recruit when you're in that conference, and is there
another type of player that you have to turn your attention to towards recruiting in the Big Ten now?
COACH EDSALL: The thing that, from a recruiting standpoint, we have a philosophy of who we are offensively and defensively and what we want to do special teams. We're not going to change the type of young man that we want to recruit to the University of Maryland just because we're coming to the Big Ten.
We have things that we believe in and what we want to do and all's we're going to do is we're going to continue to recruit that model and
continue to recruit the business student-athletes that we can that fit what we want at the University of Maryland.
And again, we want to recruit the biggest, the fastest, the strongest players that we can in order to give us a chance to be able to compete for championships here in the Big Ten. And the one thing that we have seen by being a part of the Big Ten now is it's really enhanced our recruiting.
We've expanded a little bit from our foothold that we were in, and kids want to be a part of being in the Big Ten in terms of the exposure
that you get through the Big Ten Network. The opportunity to play bowl games in California, Texas, Florida, New York, Detroit, that's something that's very, very appealing.
And so again, we're already seeing those benefits from a recruiting standpoint, but we're not going to change the model that we have based on maybe what everybody else does.
Q. I asked Coach Flood this question, I'll ask it to you as well: The move for your two schools came very quickly, it seemed at least
publicly, from one league to the other. From a football standpoint, what was your initial reaction to this and just overall maybe the
story behind the scenes about how quickly this all came about?
COACH EDSALL: Well, I just think it's an outstanding move for our institution. Not only from a football standpoint, but also from an academic standpoint, to be a part of the CIC and the consortium, those things.
I think everybody's a winner, and I think that's what, really, college athletics is all about and what institutions are all about, that everybody benefits from this, not just our student-athletes, but our students in general and our faculty.
And it was something that I wasn't privy to. I just know that I had a discussion with my athletic director, Kevin Anderson, and he asked me about the possibility — what I thought about the possibility of going to the Big Ten. And I just told him I was all for it. I think it would be a really good move for us and one that I would embrace, and I'm sure that I know our players would embrace, to be part of the history and the tradition and what the Big Ten stands for.
So the thing is, I'm just glad that we're finally to the point now where we can go and play games. It has been a long time, it seems, to get to this point. But I'm glad we're here, and I'm glad it's getting close to August and starting practice and getting the opportunity to compete against these outstanding programs and institutions that we're going to compete against.
Q. Just curious, your first go-around here with the Big Ten Media Days, did you keep an eye what was going on in Greensboro last week with the ACC Media Days? Was it tough for you to let that go, so to speak?
COACH EDSALL: No. I was in St. Thomas and I was enjoying the heck out of St. Thomas.
So, again, change is inevitable in life, and what you do is you embrace change. And at the end of last season, we pretty much put it forward that this is where we're going and this is what we have to concentrate on. And this is what our future is.
And, again, I've got to make sure that I keep everybody doing those things and looking straight ahead and concentrating on what we have to.
So it's great to be here in Chicago, to see everybody here and be part of this. It's really a lot of fun.
Q. Penn State had some success recruiting in your area for those faster, stronger players they talk about. How do you compete against a program that James Franklin brings?
COACH EDSALL: Well, I think when it comes to recruiting, there's always a philosophy that you have a profile that you're going to recruit.
And a lot of times, some of those guys that maybe go elsewhere don't fit the profile that you're looking for. And we know that we're in an area where there's going to be a lot of schools come in and recruit where we're at. The thing we just stay focused on is just recruiting that profile and recruiting that young man that fits what we're looking for.
And recruiting is a very competitive, very competitive game, and we're going to go other places into people's states and recruit people from there.
So again, I think the biggest thing with recruiting is getting the guys that fit what you're looking for. And it also comes down to this: I think you have to be a staff that is good at developing those players, because there's no player that comes into the program as a finished product.
And I think I have a great coaching staff. I know I have a great coaching staff of being able to bring young men in and to be able to develop them and them to be better than what people thought they would be or better than what maybe they thought they could be.
So getting kids on your campus is one thing. But it's what you do with those kids once they're on your campus that truly makes a difference in your program. And that's one of the things that we're starting to see at the University of Maryland, is we have 20 starters coming back and we have a lot of depth as these kids are getting better.
And to me, that's the real thing about recruiting. It's not only getting the kids there, it's getting them developed and making them better
once they're in your program and they're there for the four or five years.


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