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Superblue Silver Immune Gargle 3.4oz Bottle 10-Pack
Superblue Silver Immune Gargle is an incredible New formula designed to support your immune system like no other. It uses a scientifically proven, patented ingredient called " SilverSol® Technology Nano Silver " that neutralizes the bad stuff in your body.
On The Go Or At Home, Superblue Silver Immune Gargle Will Be Your Go To Formula!
Healthy living is an important part of staying in top form. Everyday dangers are spread by handshakes, touching door handles, or in the air. That's why we created a brand New powerful Immune Support product to help you stay healthy – Superblue Silver Immune Gargle!
Now is the time to get serious about your well-being and prepare to make a stand in favor of you and your family's health. SuperBlue Silver Immune Gargle will Supercharge your immune systems. By helping to boost your immune system, you allow your body's own natural defense system to work more efficiently in maintaining its natural and healthy state. In winter seasons and beyond, it's important to stop the spread of bad guys that are in the air. Designed to be used everyday, just take a tea spoon amount in your mouth, swish it around and swallow.
Superblue Silver Immune Gargle contains powerful and Safe ingredients to support your body. Powered by incredible SilverSol® Technology Nano Silver, a Scientifically Proven, Patented product, and Iodine, which help keep your Thyroid healthy.
Take SuperBlue Silver Immune Gargle every day to give your body's immune system the upper hand. Use it as one of your family's first lines of defense against viruses and bad bacteria. No one can truly afford the consequences of having to miss a day of work or school due to illness. Often times it ends up costing you more in time and money than if you had taken the simple steps to help prevent the illness. Our lives are so hectic and fast paced with no time to be ill. By adding SuperBlue Silver Immune Gargle along with exercise, good nutrition, proper hygiene, and adequate sleep to your regiment you will be empowered to take on anything life throws your way.
- Superblue Silver Immune Gargle ingredients are:
- Iodine (as EDDI): Iodine in a form that is safe and effective for oral use
- Silverso®l Technology Nano Silver: The smaller is better in this case. This colloidal silver is the smallest available making it super colloidal!
- Deionized Water: Ultra purified water for purity and extended shelf life • Stevia: Just a touch of naturally sweet stevia leaf
- Peppermint Essential Oil: Naturally freshens breath and helps support the Immune System *
- Superblue Silver Immune Gargle Benefits;
- Powerful 15 ppm SilverSol® Technology Nano Silver that is designed to help boost the immune system.
- Iodine the helps to keep your Thyroid healthy.
- Contains no artificial ingredients, preservatives, or additives.
- 100% Vegetarian.
- Gluten Free.
- Designed For Daily Use.
- For Adults and Children. (see directions)
Don't miss out on this easy to use and powerful colloidal silver and iodine formula – make sure you can stay safe wherever you go, use Superblue Silver Immune Gargle today!
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease. If you are pregnant, nursing, taking medication, or have a medical condition, consult your physician before using this product.
Supplement & Food Product Disclaimer: Infowars thanks you for your support of the operation. As always, we offer what we have researched and believe to be the highest quality selection of products for you and your family that have been developed along with the advisory of top doctors and experts. It is important to do your own research and consult with a qualified healthcare provider or doctor to decide what is best for you. We also know that everyone's bodies are different, and it is essential to consult with a qualified health care professional before taking products offered on this website. The information on this website is not intended to replace a one-on-one relationship with a doctor or qualified health care professional and is not intended as medical advice. And by purchasing any item from this store, you agree to these terms and conditions as well as understand that by using these products you are agreeing to abide by this contract. Infowars Life is not held responsible for the irresponsible use of this product.
We make every effort to manufacture our products in, and source our ingredients from, the USA whenever possible. Our products that display the "Made in the USA" disclaimer are manufactured or assembled in the USA under strict standards but may at times contain components from foreign sources if those components are not available from a domestic source. We hold these imported ingredients to the USA's high standards of Good Manufacturing Practices.


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The Basics:
I like my screens to be retractable, largely due to the fact that I don't have a dedicated viewing room. My living room doubles as my reference theater. I like my screen to be like my components: hidden. This said, it's been hard until now to find a true 2.35:1 aspect ratio screen that a) is retractable and b) has variable masking for viewing 16:9 and 4:3 material. Stewart's ElectriScope screen offers just that: a native CinemaScope experience, complete with motorized masking for every aspect ratio, all in a convenient and easy to hide electric roll-down screen.
Stewart's ElectriScope is just about the best of all worlds in my book. Its whisper-silent motor drive raises and lowers the screen into position in seconds. It's a true 2.35:1 native screen, so today's modern anamorphic-capable projectors are going to have a field day with the added horizontal real estate, provided you have the appropriate lens or lens attachment. But unlike other CinemaScope screens, the ElectriScope has both horizontal and vertical masking to change the wide aspect ratio to 16:9 and even 4:3, meaning all of your bases are covered, regardless of content. Most important is that all of these changes are programmable and/or adjustable via remote, giving you the right aspect ratio and Stewart quality image every time. Like all Stewart screens, minus Starglas, the ElectriScope comes in a variety of acoustically transparent materials, not only for the screen itself but also for the masking elements.
The Downside:
A quick look at the feature set and product brochure for the ElectriScope screen and it's obvious how Stewart would like for you to integrate it into your home: in your ceiling, recessed between your ceiling trusses for a completely seamless look. However, there may be some people who don't have the ability to fully integrate the ElectriScope screen into the home and wish to surface-mount it. Well, that requires custom brackets and they are, of course, optional. Also, as with all electric screens, one must take into consideration the need for power. The ElectriScope screen has a 120-volt motor, so a standard power receptacle will need to be nearby – this is something you may need help with from an electrician.
I am a firm believer in motorized drop-down or pop-up screens, for I am still a long way from having a truly dedicated room for my theater. Even so, none of the motorized screens I've encountered have been able to take full advantage of the 2.35:1 aspect ratio, leaving annoying black bars on the top and bottom of my 16:9 projection screens. The Stewart ElectriScope motorized screen solves many of the problems I've had with screens of yore and offers a bevy of features that make it supremely backwards-compatible. Plus, it's a Stewart, so you'll be able to rest assured that the quality, build and image you're enjoying are topnotch.

subset: commoncrawl


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Are you desperate to take your videogame performance to the next level—and willing to indulge in some high-risk behavior? Hint: you'll need a 9-volt battery and a wet sponge!
Researchers in New Mexico claim that a faint electric massage to the brain improved the performances of volunteers playing the DARPA-sponsored war simulator DARWARS Ambush! The electric current was produced by a device running on a 9-volt battery and delivered to the volunteers via a moistened sponge applied to their right temple.
According to the authors of the study, those volunteers who received a more significant electrical current performed twice as well as those who did not. However, it appears that those enjoying the performance boost were not entirely aware of it. A neuroscientist involved with the experiment observed that these subjects did not experience "a good intuitive or introspective sense about why" they outperformed their non-electrified counterparts.
So, will the elite gaming headsets of the future include microphones and electric transmitters? (We certainly hope not.)
[ Nature.com]


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Cobblers Hall SurgeryCarer's WayNewton AycliffeCo Durham, DL5 4SETel: 01325 311300
We have an open and expanding list and welcome new patients from anywhere within our practice area. The practice covers Newton Aycliffe, Shildon, Eldon and all the areas in between.
Patients have the right to change GP practice without asking their previous GPs permission. We recommend all new patients have a new patient health check when joining the practice.
Please bring any information on your health that may be helpful to us.
If you wish to register with our practice please come into one of our surgeries, where a receptionist will give you the appropriate forms to fill in and sign.
Medical treatment is available from the date of registration. Please contact reception for further information.
These fact sheets have been written to explain the role of UK health services, the National Health Service (NHS), to newly-arrived individuals seeking asylum. They cover issues such as the role of GPs, their function as gatekeepers to the health services, how to register and how to access emergency services.
Open the leaflets in one of the following languages
When you come to the surgery to register you will also be asked to fill out a medical questionnaire. This is because it can take a considerable time for us to receive your medical records. There is an online version of this file too, which you may fill out and send to us. When you come to the surgery you may be asked to sign this form to confirm that the details are correct.
Online medical questionnaire for new patients
Note that by sending the form you will be transmitting information about your self across the Internet and although every effort is made to keep this information secure, no guarantee can be offered in this respect.
Copyright 2006 - 2020 My Surgery Website | Privacy & Usage | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Service T&C's


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Press Release
Fidelity National Financial, Inc. Announces Plans to Create Tracking Stock for its Portfolio Company Investments
Jacksonville, Fla. -- (January 31, 2014) -- Fidelity National Financial, Inc. (NYSE:FNF), a leading provider of title insurance, technology and transaction services to the real estate and mortgage industries, today announced that its Board of Directors has approved a plan to create a tracking stock for its portfolio company investments. FNF would contribute these portfolio company investments into a new subsidiary, Fidelity National Financial Ventures ("FNFV"), and create and distribute a class of shares to FNF shareholders that tracks the performance of FNFV. The primary portfolio company investments that will be contributed to FNFV includes FNF's equity interests in Remy International, Inc., American Blue Ribbon Holdings LLC, J. Alexander's Holdings LLC, Ceridian HCM, Comdata Inc., and Digital Insurance, Inc. FNF also intends to provide $200 million in financial support to FNFV comprised of $100 million in cash and $100 million in an intercompany loan upon formation of the tracking stock. It is expected that the Net Asset Value of FNFV's portfolio company investments and the financial support from FNF will be approximately $1.3 billion, or $4.77 per FNF common share.
All add-on investments in existing portfolio companies and any new portfolio company investments will be funded and managed by FNFV. Cash flow from FNF's core real estate, technology and mortgage related businesses will be used to reinvest in core operations, repay debt, pay dividends and repurchase stock. FNF decided to create and distribute a tracking stock following completion of a review of strategic alternatives with respect to its portfolio company investments undertaken in conjunction with its financial advisor, J.P. Morgan Securities LLC.
"Our focus is on the continued diligent management of our title insurance business and integrating and growing our ServiceLink and Black Knight Financial Services businesses," said Chairman William P. Foley, II. "We believe that separating the portfolio company investments into a tracking stock will provide greater transparency and clarity both to the inherent value of our portfolio company investments and the cash earnings capabilities of our core real estate, technology and mortgage services businesses. Our ultimate goal is to help investors more easily value our company and maximize returns for all of our shareholders."
FNF expects that the process to create and distribute the tracking stock will take up to six months to complete, due to financial audit requirements, required amendment of the company charter, shareholder approval of the amendment of the company charter and a proxy/prospectus filing with the SEC. FNF expects that the distribution of the tracking stock will be tax-free to both FNF shareholders and FNF.
About FNF
Fidelity National Financial, Inc. (NYSE:FNF), is a leading provider of title insurance, technology and transaction services to the real estate and mortgage industries. FNF is the nation's largest title insurance company through its title insurance underwriters - Fidelity National Title, Chicago Title, Commonwealth Land Title and Alamo Title - that collectively issue more title insurance policies than any other title company in the United States. FNF also provides industry-leading mortgage technology solutions and transaction services, including MSP®, the leading residential mortgage servicing technology platform in the U.S., through its majority-owned subsidiaries, Black Knight Financial Services, LLC and ServiceLink Holdings, LLC. In addition, FNF owns majority and minority equity investment stakes in a number of entities, including American Blue Ribbon Holdings, LLC, J. Alexander's, LLC, Remy International, Inc., Ceridian HCM, Inc., Comdata Inc. and Digital Insurance, Inc. More information about FNF can be found at www.fnf.com.
Forward-Looking Statements
This press release contains forward-looking statements that involve a number of risks and uncertainties. Statements that are not historical facts, including statements regarding our expectations, hopes, intentions or strategies regarding the future are forward-looking statements. Forward-looking statements are based on management's beliefs, as well as assumptions made by, and information currently available to, management. Because such statements are based on expectations as to future financial and operating results and are not statements of fact, actual results may differ materially from those projected. We undertake no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise. The risks and uncertainties which forward-looking statements are subject to include, but are not limited to: changes in general economic, business and political conditions, including changes in the financial markets; weakness or adverse changes in the level of real estate activity, which may be caused by, among other things, high or increasing interest rates, a limited supply of mortgage funding or a weak U. S. economy; our potential inability to find suitable acquisition candidates, acquisitions in lines of business that will not necessarily be limited to our traditional areas of focus, or difficulties in integrating acquisitions; our dependence on distributions from our title insurance underwriters as a main source of cash flow; significant competition that our operating subsidiaries face; compliance with extensive government regulation of our operating subsidiaries; and other risks detailed in the "Statement Regarding Forward-Looking Information," "Risk Factors" and other sections of the Company's Form 10-K and other filings with the Securities and Exchange Commission.
Additional Information
Nothing in this press release shall constitute a solicitation to buy or an offer to sell shares of FNF's proposed new tracking stock or FNF's existing common stock. The offer and sale of shares of the proposed tracking stock will only be made pursuant to an effective registration statement. FNF's shareholders and other investors are urged to read the registration statement to be filed with the SEC, including the proxy statement/prospectus to be contained therein, because they will contain important information about the issuance of shares of the proposed tracking stock. Copies of FNF's SEC filings are available free of charge at the SEC's website (http://www.sec.gov). Copies of the filings together with the materials incorporated by reference therein will also be available, without charge, by directing a request to Fidelity National Financial, Inc., 601 Riverside Avenue, Jacksonville, FL 32204, Attention: Investor Relations, Telephone, 904-854-8100, email, email@example.com.
Participants in a Solicitation
The directors and executive officers of FNF and other persons may be deemed to be participants in the solicitation of proxies in respect of proposals relating to the approval of the issuance of the new tracking stock. Information regarding the directors and executive officers of FNF and other participants in the proxy solicitation and a description of their respective direct and indirect interests, by security holdings or otherwise, is contained in FNF's Form 10-K for the year ended December 31, 2012 and its proxy statement filed on April 12, 2013, which are filed with the SEC. A more complete description will be available in the registration statement and proxy materials to be filed with the SEC in connection with the tracking stock.
SOURCE: Fidelity National Financial, Inc.
CONTACT: Daniel Kennedy Murphy, Senior Vice President and Treasurer, 904-854-8120,


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Survey: Taxpayers favor remodeling current school
Moose Lake Community Schools Superintendent Robert Indihar recommended that the school board consider remodeling the current school building after the January survey results were compiled. The report was presented at the board meeting on Monday, January 27. The results are available on the school's website, http://www.mooselake.k12.mn.us.
"It gives us a clear picture regarding bonding," said Supt. Indihar. "My recommendation to the board is that I think that we have to look at remodeling this place unless we get money from the state. Consolidation is a long-term game-changer, there are issues with this building.
"We will still wait until the Legislature is done for this year. We will still go out for a bond (referendum) but it will be much less of a bond (referendum)."
Supt. Indihar explained that there are two bills going through the Legislature this session, the original bill to grant the Moose Lake School District and another school district in southern Minnesota $20 million to replace the old school buildings after they were damaged by floods, and a new bill to provide triple equity aid for schools in Minnesota.
"Many of the schools in the state are old and need more equity aid to upgrade the school facilities," Supt. Indihar said. "That would provide funding for all of the schools."
Because mold had grown in a wall on the lower level of the school, the wall had to be removed, Supt. Indihar reported to the board. The wall had been made of chip board, and it had not adequately dried out after the flood clean-up.
Due to the high cost estimate of replastering a replacement wall, Supt. Indihar recommended that the space be made into a commons area for students to hang out.
"We'll have to put a little wall in," he added. "But it will be significantly different. Right now, the plan is to open it up and have an area for the kids."
The wall was along the hallway for one classroom, used as a computer lab in the past, next to the media center.
Make-up days set
The board set make-up days for two of the days that the school was closed due to weather conditions. Since Governor Mark Dayton had called off school for the entire state on January 6, that day would not have to be made up.
And the teachers reported on January 27, another day classes were not held due to extreme cold. That day would also not have to be made up.
January 7 will be made up on February 17, a day that had been set aside as a PLC day, and January 28 will be made up on April 17, another day that had been set aside as a PLC day before Easter break.
The PLC days will be made up in June at the end of the school year.
Collaborative Curriculum
Supt. Indihar told the board that the school district will be taking part in the Minnesota Partnership for Collaborative Curriculum. Flexbooks would be used instead of textbooks, and they could be updated weekly. Videos and other materials would be provided in the flexbooks.
"Hopefully, we will not have to buy textbooks after this," said Supt. Indihar. "We will bring a presenter to talk to the teachers."
Other business
Supt. Indihar also reported that a new state law requires that all of the football helmets be replaced, they cannot be refurbished as they have in the past. The school will have to buy 27 helmets. The others will be purchased with funds from fundraisers.
The board reviewed the progress on the school district's goals. Advances have been made in the categories of Student Learning and Achievement, Finance, Facilities and Property, and in Building Community Relations and School and Community Pride.
Supt. Indihar said that the contract to sell the school land to a developer is being drawn up by the city of Moose Lake's attorney. The city has purchased the land from the school, and the city will sell the land to the developer after placing covenants and zoning on the land.
McNeil Environmental tests for mold and air quality frequently.
"Our school is probably better than it was before," he said. "We have had structural engineers here. We do not have structural problems. Cracks in the walls are from the walls drying out."
The Mini Moose Lodge is probably losing money being that it is just starting this year but it is hoped that it will pay off in retaining more students in the school, said Supt. Indihar.
"We need to keep revisiting the goals so we know that we are working to meet those goals," Supt. Indihar concluded.
The board passed a motion to approve the 2013-2015 Education Minnesota teachers' contract.
Funds were increased for teacher advisors for two extra-curricular activities, the student council and cheerleading.
"It was a good process," reported Joanne Unzen, representative of the teachers union.
The board will be considering $225,000 in cuts in the budget for the 2014-2015 school year.
"There are some logistical things that will make the cuts a little easier," said Supt. Indihar.
Strategies will be discussed in a committee meeting about how to attract students from the district who attend school in another district under open enrollment.
During the reorganization meeting, all of the current officers were re-elected to their positions: Kris Lyons, chair; Scott Benoit, vice chair; and Lisa Anderson-Reed, clerk.
The next meeting of the board was set for Monday, February 24, at 5 p.m.


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Sarah Lewis necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 604 diseños de 159 diseñadores freelance.
The Experience is a church, but it's not at all typical church so we want a logo that reflects that. See the full brief for details + logos we like.
The Experience
About The Experience
The Experience is a church for people who aren't sure about church (wecall ourselves a "spiritual family"). We have a lot in common with"typical" Christian churches (a worship service on the weekend, etc.)but we do a lot of things differently. Our atmosphere is casual (instead of pews, we sit around round tables), our music is modern and upbeat, and we're extremely friendly.
The Experience started in 2004 with just a handful of "core members"and has grown to weekly attendance of about 200 people. We've recentlymoved to a new, larger location and decided that it's time to get a newlogo that represents our focus. We're up against a deadline for oursignage permit, so 99designs seemed like a good option.
Target market
Our marketing is targeted at women in their mid- to late-twenties. Mostare married and either have children or are considering having childrenin the next couple of years. Income varies widely but would beconsidered mid- to upper-middle-class.
In terms of mindset, our target woman doesn't currently attend church. Her opinion of Christians is neutral at best, or possibly slightly negativebased on previous experiences with church or Christians. She caresabout her family but so far, church has not been a central part of herlife.
She probably won't come to The Experience because she's looking for achurch but rather because one of our events (a barbecue/carnival in thepark, women's self defense class, tutoring program, etc.) meets a needshe has. She'll get more involved when she finds relationships and joy that's been missing from her life.
It's important to note that while women are our target, it's usuallythe husband/father who will determine whether the family attendsregularly (in general, Mom will go to church where Dad is comfortable).So the logo should definitely stay away from a strictly feminine approach.
Goals and personality
The overall goal of the new logo is to present a consistent image that accurately represents who we are. Our core values are relationships with God and other people.
You can see more about our organization at our website [http://livetheexperience.org ]. It is in desperate need of a redesign(that's next, after the logo) but the pictures and content might giveyou an idea of who we are.
Logos we like
Most of the logos we like best are fairly abstract rather than clip-art-ish. Some of our favorites from other churches:
Like that it's clean and simple (but memorable), and the elements could be used independently if needed depending on context.
Like the vibrant colors and modern look.
Like the contemporary font and fun colors. We don't have an "obvious" image like theirs, though.
Red de Ministerios Dinamicos
Like the dynamic feel and bold colors. The actual art might have been a little better executed, though.
Life Fellowship
Like the friendly, community feel. We don't really like the font. Oh, and we're not a Foursquare church. :)
Notes on feedback and ratings
I try to rate every design, but don't leave comments on individualdesigns unless there are specific aspects that I want to discuss(like/dislike/need changed/etc.)
Here's what my star ratings mean:
1 star = Can't imagine using it for this project
2 stars = It would require too much time to modify it for our use
3 stars = There is potential here, with some changes
4 stars = Very good fit with few changes needed
5 stars = A final contender with no changes needed
- We like strong, energetic, modern, friendly logos. No pastels here! We don't have specific colors in mind, though, so use your designer's intuition. :)
- The logo will be used on everything from our building sign to our website to t-shirts, so it should look good in color or black-and-white, and be readable at small sizes, too.
- Because our target woman probably doesn't have positive associationswith church and Christianity, we want to avoid any overtly religiousimagery (cross, dove, praying hands, etc.).
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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I've made available Adventure Rides in the Santa Cruz Mountains and Mt. Hamilton by Bike in PDF format on Magcloud, for $2 each.
Coming early next year — Adventure Rides in the High Sierra. I'll have ride reports from the old days, newer rides, photos old and new, and lots of neat maps with elevation profiles. I've found some interesting history of the high passes: Ebbetts, Monitor, Sonora, and Tioga.


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"On my Birthday I got so many well wishes on Facebook from friends who I didn't even know before T.R.A.F.F.I.C.
I was in tears, "
Barbara confided.
It's no coincidence that Mark Zuckerberg was named Time's person of the year today and that tonight we are crowning social media maverick, Barbara Dillman Neu, as one of domaining's most fascinating people of 2010.
Barbara Dillman Neu is wife to T.R.A.F.F.I.C. co-founder Howard Neu and mother of the ever popular Ray Neu. Barbara, along with Rick Schwartz's spouse Alina, are well-known to T.R.A.F.F.I.C. attendees greeting them upon registration and tending to every detail in between.
But Barbara has taken on an additional role, and that's why she is being honored as one of domaining's most fascinating people of 2010.
Barbara always took pictures at T.R.A.F.F.I.C. events and over the years honed her craft so that the outcome is even better than if you were looking at the expensive out of a professional photographer.
But few knew that... until this year. When Barbara started posting these photos on Facebook and in doing so opened up a world of joy for thousands of people around the world. They also serve as the right 21st century substitute for the best website or brochure T.R.A.F.F.I.C. could ever distribute. Simply a picture is worth a thousand words, and in a world of online text, nothing sells like the power of pictures.
Barbara's photos have been used, with permission, for Facebook profiles, in blog articles, and are widely shared throughout the web. It's because Barbara offers more than just an ordinary photo; her photos are memories that make an emotional connection among a family of friends.
And although most trying to master the art of social networking haven't "got it" yet, Barbara's work/play mix of photo sharing is really what the power of Facebook is all about. "When I posted the first batch of photos," Barbara told me, "within minutes I had 300 people that had viewed them and tagged them." That's pretty special in an industry that favors anonymity.
This award this year is all about marketing and celebrating those people who applied marketing to an industry that desperately lacked it. Marketing gives personality and differentiates for advantage. Marketing creates relationships with customers that go deeper than anything you sell or make. And of course, social marketing, as Barbara has mastered, facilitates those relationships and drives word of mouth.
Barbara may not know it but along with her role as meeting planner behind the scenes, she has also become the event's chief marketing officer,
Personally, I adore Barbara's work. I'm glad that somewhere along the line she turned into a great photographer and now via Facebook she is using that photography to give T.R.A.F.F.I.C a personality that can't be communicated through traditional media.
She is sharing memories and nothing is more personally connected than that. I also think there is a difference with a conference put on by a big corporation with photos taken by a professional and then posted behind a walled garden for sale- than when the owner takes the photos who understands the relationships and how those photos can spread virally.
"On my Birthday I got so many well wishes on Facebook from friends who I didn't even know before T.R.A.F.F.I.C. I was in tears," Barbara confided.


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I haven't been out of bed much in the last few days and can't guarantee the most incisive look at this week's The Walking Dead. I can report that this episode was another goodie in a rather long string of them.
In the opening of the episode, Merle, some young kid, and two others are out hunting. Not for food or supplies, of course; no, they're hunting Michonne. What they don't realize is just how formidable an enemy she is. Unfortunately, nor does the new kid with the Italian surname recognize Merle for what he is. Michonne knows exactly what she got herself into by walking through those gates, and left a gruesome "walker-gram" for the hunters: GO BACK. If only they'd listened, all four of them would still be alive. Tsk tsk.
After killing two of her hunters, Michonne sustains a gunshot wound and totters off "into the red zone," as Merle says. When the new kid, traumatized and anxious, refuses to lie about her to The Governor, Merle shoots him in the face. Yep. That's the person we grew to hate in season one.
Recently, a friend and I were arguing (good-naturedly) about why I find Andrea to be the most frustrating character this season. Why is she completely unable to see what's in front of her? Why can't she trust the woman who's helped keep her alive through thick and thin for the last eight months? Laurie Holden apparently has said she thinks Andrea has trust issues, and she's been abandoned, blah blah – but don't we all, and who hasn't felt abandoned in the show's universe? Now Andrea's abandoned her closest ally and jumped into bed with The Governor. I have a major problem with this – and while I understand that things may not be clear for her from under the dragon's wing (so to speak), she ought to have figured out Woodbury from the very beginning for one reason. She knows Merle is a petty, racist, exemplar of the banality of evil. Merle is thriving in Woodbury. Shouldn't this set off alarm bells?
Alas, this knowledge doesn't appear to faze Andrea, as she hops into a relationship with The Governor even after he chastises her (like you would a little girl – it seems that's the treatment Andrea responds to) when she jumps over the wall to kill a walker. Seriously, I'd like to throttle the character at this point.
As he's making his way to a car in order to go back to Woodbury, he comes upon Maggie and Glenn, who've searched a phone book for places to find baby formula. Glenn recognizes Merle and indeed, treats him with exactly the kind of trepidation he should. Unfortunately, Merle gets the better of the two, and they set off to find Daryl, leaving the formula behind on the ground. Michonne, hiding in the shadows, witnesses the confrontation.
Meanwhile, at the prison, Rick's been chatting on the phone with his dead compatriots; first Amy, then Jackie, then Dale, and finally, Lori. I wondered how they would play this in the show – it worked like a charm in the books, but only, I think, because you couldn't hear the voices. Rick has more or less lost his mind. He's sick, tired, and riddled with guilt. His subconscious is playing tricks on him. It's a good ploy, but didn't pan out as well in the show as in the books.
Daryl, helping Rick to clean out cell blocks, hears a noise and tracks it (much like last episode's possum), to discover Carole, starving and panicked. How did they not realize she was alive? It's been how long?
Poor Daryl. It's becoming more and more obvious that beneath his hardened exterior, he has a soft, smooshy heart. He's got a serious soft spot for the baby and for Carole. His number one priority is making sure everyone in the group stays alive and safe. He's perhaps their most valuable asset at this point. Unfortunately, Merle is on his way. It'll be an exciting confrontation, but what will come of it?
When Rick finally climbs out into the sunshine, he goes out to the yard and creeps over to the fence. What should he find among the hissing, moaning walkers, but a wounded, pale Michonne, staring avidly through the chain link at him. On her back is the baby formula Maggie and Glenn left behind. Please, she's begging without saying a word, please let me in.
I'm thrilled at how well this season is going. I'm looking forward to the next episode. I'm anxious for Michonne to become part of the group at the prison. I'm excited for and wary of the inevitable Daryl/Merle confrontation. I'm psyched to see how Andrea will respond when her old fam clashes with her spankin' new Woodbury one. I'm really looking forward to seeing Merle get his due. I'm far more trepidatious about Michonne's upcoming plotline with the Governor – her part in the books made me physically queasy.
How do you feel? Who's your favorite and least favorite character? Do you feel Andrea is justified in her relationship with the Governor? How do you predict Merle and Daryl will reunite? Share in the comments!


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The Compliance Calendar contains important payroll filing dates and information every payroll professional needs to know during the current calendar year such as:
- Filing dates for Forms W-2 and 941
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It also includes deposit due dates for important payments as well as the dates within which employers may make lawful shortfall deposits.
Printer-friendly Compliance Calendar: 2019 | 2020
Deposit Social Security, Medicare, and Withheld Income Tax
Deposit social security, Medicare, and withheld income tax for payments on August 10, 11, 12, and 13 if semi-weekly depositor.
Shortfall deposits by semi-weekly depositors for deposits made July 2 to 31.


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DHS (DHS) Class of 2011 Alumni List
Help us Update the DHS 2011 Class List by adding any names missing from the list below:
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2011 Class List
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Alumni from the Dysart High School class of 2011 that have been added to this alumni directory are shown on this page. All of the people on this page graduated in '11 from DHS. You can register for free to add your name to the DHS alumni directory.
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Meghan McCain made an emotional return to "The View" this week after she stepped away from the show to handle the death of her father, former Arizona Sen. John McCain.
Meghan McCain made an emotional return to "The View" this week after she stepped away from the show to handle the death of her father, former Arizona Sen. John McCain.
She thanked ABC, her co-hosts and all of America for giving her time off to mourn the loss of her father."From the second that my father passed … there were people in the country — all races, all ages, all creeds — out there with American flags waving, saluting, praying," she recalled. "He would have loved it." "Everyone came out and celebrated him with love and it made me so inspired that the ideals that my father espoused in his career are the ideals of America, and I think there was a lot of talk about what died with him, and I'm here today to tell you it didn't," she continued. "It is alive and well, and I need us to remember that." "He believed in American exceptionalism. He believed America is the greatest country in the history of the world. He believed that when your candidate's opponent says something racist in a rally, you push back," she said. "That is John McCain, and that is what America is."
According to The Hollywood Reporter, she thanked her co-hosts, too. She later explained that her father's final address represents what the country is currently going through, saying that the country does not surrender.
Lastly, she spoke about her faith and how God has helped her through the tough time."God is real. I wouldn't be here without my faith, but I also wouldn't be here without Joe Biden and Joe Lieberman," she said. "Those two men have carried me throughout this experience and I just want to thank them for being uncles to me. Really gone above and beyond. I'm sure they're like, 'I didn't realize when I became friends with John McCain that his daughter's drama would all become mine as well.' But they're the most wonderful men, both of them, and they've really carried me through this."


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A Cuomo commission proposes privatizing LIPA, with all that entails
A commission charged by Governor Andrew Cuomo with overhauling New York's utility system today recommended he privatize the Long Island Power Authority, the state-run utility that performed poorly following Hurricane Sandy.
"LIPA was flawed from inception," said Cuomo today, after the Moreland Commission he convened presented its recommendations. "There's nothing you can do with the existing structure."
The Moreland Commission argued, in a PowerPoint presentation, that privatization, while a complicated, onerous process, would result in a more efficient delivery of electricity in Long Island and the Rockaways, LIPA's current service area.
If a private company were to operate LIPA's assets, it would also be subject to oversight by the Public Service Commission, which monitors the state's privately run utilities but not LIPA, which is a state authority, like the M.T.A. and the Thruway Authority.
All of which might very well result in a more functional utility.
But a privatization of LIPA might well mean a rate increase, too.
"The costs of privatization ... are significant and none of these things are going to come about without a probable increase in rates," said Michael Fragin, who served on the LIPA board of trustees' finance committee through 2011.
Fragin, it should be noted, agrees with Cuomo's Moreland Commission that privatization is the best option, but he also thinks it's important to note that privatization won't solve LIPA's significant financial problems.
That's because LIPA has $7 billion of debt on its books right now. Since that debt is, right now, municipal debt, the interest rates attached to it are relatively low.
Were LIPA to go private, interest rates would go up. Those higher interest rates would, presumably, be passed on to ratepayers.
Today, a reporter asked the commission about what LIPA's privatization might might mean for its tremendous debt load, much of it a legacy from the construction of the Shoreham nuclear power plant by LIPA's predecessor company.
Ben Lawsky, Cuomo's superintendant of financial services and the commission's co-chair, responded.
"The Shoreham debt is about $7 billion," said Lawsky. "The value of the assets at LIPA are about, a little under $4 billion, I think. So you have about $3 billion, let's say, in stranded debt. And there are ways to securitize that debt, potentially refinance it, and over a period of time, deal with it. And that can be done."
One way to deal with it would be for the state to assume LIPA's debt, but it's hard to imagine upstate legislators rejoicing at the prospect of paying off debt accrued in Long Island.
"I didn't see the word 'bailout' in the Moreland Commission report," said Fragin.
And there's yet one more thing to consider: property taxes.
Unlike some other state agencies, the authority pays property taxes and payments in lieu of taxes on its contractor National Grid's power plants.
LIPA is "basically funding Long Island's overspending," the Manhattan Institute's Nicole Gelinas told me in November.
Were a private company to acquire LIPA's assets, it's safe to assume the company would be eager to challenge its property tax assessments and reduce its tax load, something the authority has been skittish about doing on its own.
"Once they started challenging them, and they did it successfully, then you'd have to start seeing an economic impact in many localities in Long Island, and that could certanily be significant," said Fragin.
Today, the Moreland Commission also recommended overhauling the Public Service Commission to make it a more effective regulator.
"We're basically recommending putting the PSC on steroids," said Lawsky.
Absent from the commission's analysis was any recognition that the state could have undertaken these reforms two years ago, when Cuomo first took office, running on a platform that included just this sort of utility reform.
Cuomo has been reluctant to assert his authority at either LIPA or the PSC through the appointments he, as governor, is entitled to make.
Hurricane Sandy, by altering the political calculus, changed all that.
"There's something called political will," said Cuomo today. "Why haven't a lot of things happened? Why haven't we passed gun control in this state and in this nation? ... Sometimes you need an event that galvanizes public opinion to actually move the process."


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this is a discussion within the Saints Community Forum; Here we are, 3rd game into the season, and I see threads about Matt Leinart, draft position, new coahces, etc. etc. etc. The winds of change are blowing harshly around here. it's nice to see the majority are starting to ...
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Offseason changes
Here we are, 3rd game into the season, and I see threads about Matt Leinart, draft position, new coahces, etc. etc. etc. The winds of change are blowing harshly around here. it's nice to see the majority are starting to gather what a few were able to see before the season even started, same old Saints. But even the cruel manner in which the Saints have returned everyone to Earth is unfair. When is it our turn?? But that being said, what changes are you praying for in the offseason? For me:
1. Haslett has to go. Has to. I don't care how composed he was after the Hurricane, it's a week and a half later and he still ******* about the Giants "home" game. Grow a set man. Kick your team's arse and accept nothing less than an all out effort from every player. But with Haslett gone, that leads to
2. Venturi gone. Does anything even need to be said on this? Haz also takes with him
3. Aaron Brooks. Enough of this clown already. Seriously. Time to move on. Thanks for the stats Aaron. Don't let the door hit ya.....
4. DT and LB and CB. DT and LB and CB. DT and LB and CB.
5. O-line. Maybe a new coach and scheme will help. Along with a player or two.
Who replaces these guys?
1. For Haz, go after Weis at Notre Dame(longshot). Or Childress. Or Chow. Or a trained monkey, anyone.
2. New coach will bring his own DC, and it won't be Venturi. Nuff said.
3. Not ready for A-Mac and depends on draft position. Maybe a trade for Volek, or Rivers or someone. Don't know who will be a FA at the end of the year, but it can't get much worse.
4. Rodrique Wright, AJ Hawk Jimmy Williams. Get one or two. Preferable two. DO NOT LET good FAs just go to other teams this year. Noone on defense should be safe besides safeties and McKenzie. Fakhir can play for a nickel job when he is healthy, or the starter if we can't draft someone or bring someone in.
5. Dunno. Best FA available.
Time to blow this whole thing up. Has to be.
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RE: Offseason changes
My #1 would be to finally get rid of Venturi... this has been a long overdue move. How do you justify bringing back a DC that does not have the ability to motivate his defense and consistently letting it finish in the bottom half of the league every single year? How stupid can management be?
#2 Bye Haslett. Sadly to say, I was actually a Haslett supporter. It's time for a change. Bring in someone who can inspire confidence. I want someone who comes in and has everyone's respect and admiration... a proven WINNER (insert Charlie Weis or Jim Johnson please)
#3 AB I agree with Volek... there is no reason why he should be backing up anyone in this league.
#4 For once, please go out there and get a PROVEN STUD DT... lord knows this position has been a problem for years. I guarantee we'll see a dramatic change in our defense if we had a Seymour Stroud type of player anchoring the heart of our d.
#5 Draft well... sw pretty much has my draft picks for the offseason. Williams, Wright, and Sims for me.
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Good analysis.
#1. Please get some Linebackers!!!!
#2. Sorry Haz, But I too would like to see a coach come in that will rip U on national TV, in front of your own team, and then bench U for doing a stupid play. I saw Haz blow up once in the last game at Car ( Last season ) And I loved it....We need more fire!
#3. Venturi....Nuff said.
#4. Don't U think that Brees might be available next year? Rivers has got to get his chance soon...right? SD will have to get rid of Brees at his highest value, before it drops, that might be next season? I don't think Volek will be available, though he would be a nice addition, Mcnair won't be around too much longer and the Titans know it. It sounds like Ramsey in Wash is up for grabs? Sounds like he has a huge chip on his shoulder as well and is just looking for a fresh start. Could be a good fit here with our speedy receiving core, and we might be able to grab him for little compensation??
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Brees may be available, you are right. San D franchised him this year, so he is making a lot, but they may not do the same next year. McNair looks like a new guy in Chow's offense. He may be around a while yet, so Volek may be available, although with Pennington out, Chris Mortensen thinks the Jets will go after him. Ramsey, I know he is shell shocked from the Suppier days when he was getting clobbered, but this may be a Kerry Collins to the Ginats type move, where he shakes off the labels and makes it happen here. I am not betting on it, but there is precedent.
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Anyways, to give my opinion about offseason changes, here we go:
1. New coach and coaching staff. I don't really know who will be available at season's end, but anybody has to be better than Jim Haslett. I called for his firing last season, and I will call for it again.
2. Defensive help, especially a linebacker. I watched that OSU v. UT game a couple of weeks ago and I was just flat out impressed with AJ Hawk. That guy was always around the ball; I saw him recover a fumble, pick off a pass, and record at least one sack in the parts of the game I watched. If not him, there are several other very impressive defensive players that will be coming out this year: Ernie Sims, Jimmy Williams, AJ Nicholson, and several others. Our defense needs help, and especially our linebackers.
3. New quarterback. Whodi, you were right again, and I guess my optimism just can't lead me any further with Aaron Brooks. Time to get a new one. The guy that I would suggest that I think could seriously be the future of this franchise at quarterback is Matt Schaub in Atlanta. There is no freakin reason that guy should be a backup (other than Michael Vick is on his team). He is big, fast, and a smart football player. I don't know about his contract or anything, but I would love to see us go after this guy. I watched him in preseason (yes, I know it's just preseason), but he was going agaisnt first team defenses and was picking them apart.
4. Aggressiveness in free agency. I am so sick and tired of watching our Front Office take a 6 month vacation after the Super Bowl. We need to make an impact in free agency and sign some guys who can help this team win. No more sitting around with our thumbs up our butts.
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The Deuce, you are right. And even I got caught up in some of the hype, but I still predicted 8-8, poss 9-7 or 7-9. Very chicken **** I know, but until they showed me something different, that has been the norm. As far as Brooks goes, I supported him til the end of the 2003 season. With the numbers he had, he shoulda been in the pro bowl, had it not been for those dumb ass fumbles. Just stupid fumbles, half of them it seemed he was untouched. And people made excuses for the dumb ass fumbles, even when he was untouched. And that just turned me off of Brooks. And the more people make excuses for him, the more I dislike him. I have said the last two off-seasons, it's on him to prove me wrong about him. Looks like it ain't gonna happen, barring a miracle. It's time for wholesale changes on this team. Top to bottom. This is a mess that's only getting worse. I like your offseason plan.
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Agreed with you all, but all and all I would have NO problem eating my words and have the Saints turn it around and get into the playoffs......Still some hope left in me.
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I don't think anyone would have a problem with that Stall. Noone.
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Get linebackers, get O-Line players ... that doesn't help at all.
The change has to come from the very top and I mean higher up than head coach. I'm sick off all this "Brownie, you're doing a heck of a job" BS Saints style. There has to be a culture of accountability - and it isn't gonna come with Old Guy Benson. Maybe if he turns the team over to his granddaughter.
There have to be consequences when you are clearly not doing your job well. I believe Haslett is a good guy and a hard working one as well, but look at the results. Just draw the line any time you're ready.
With this acceptance of mediocrity what top-notch coach would come here?
And if we have to talk about players, how about this interesting (I think) speculation I heard on ESPN radio: If the Packers continue to play the way they are playing right now, they have a shot at Matt Leinhart. They can't pass up a franchise quarterback like him and Aaron Rodgers becomes expendable and could be had with a 3rd rounder (at the moment I don't remember if we traded that away or not). The Packers like to trade with the Saints ...
I kinda like the idea.
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1. Long overdue exodus for Hasbeen . Replaced by Gary Kubiak .
2. Venturi can push paper in the front office .
3. Brooks trade to Arizona for a 12 pack and future considerations .
When terminology is a problem and you do not make the correct use of the personel you have til late in the season , no one is beyond speculation .
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Miami Dolphins owner Stephen Ross sees the NFL making its return to Los Angeles sooner rather than later.
Ross predicted on Saturday that L.A. will "certainly" have an NFL franchise in the next five years, according to NFL Media's Jeff Darlington.
"It's not as simple as finding a place and putting a stadium there," said Ross, in Philadelphia for the NFL Career Development Symposium. "I think a lot of teams would like to be there, and certain teams should be there, and I think the NFL is very concentrated on getting a team in the L.A. market.
"It's about finding the site, building the stadium, getting the approvals and moving on. I think that's one of the great priorities of the NFL."
Ross made it clear that the Dolphins have no interest in shifting operations. The owner explained that, prior to purchasing the Dolphins, he considered getting a team to L.A. "because (he) could put together a stadium."
Based on Ross' relationship with political leaders in Los Angeles, the owner is confident the city is ready for a team and calls the situation "one of the great priorities of the NFL."
Ross isn't the first NFL owner to speak optimistically about bring football back to Los Angeles, a city that has been without an NFL presence since the Rams and Raiders packed up shop following the 1994 season.
Cowboys owner Jerry Jones said last July that the NFL was "closer than ever" to having one -- and perhaps two -- teams relocate to L.A. Jones called it a "black eye" for the NFL that such a robust market had been without a team for two decades. Both Ross and Jones said a team would relocate to the city.
Professional sports are certainly big business in Southern California. The NBA's Clippers sold for $2 billion this week. In 2012, the Dodgers also sold for $2 billion. Ross took notice.
"How could I not?" he said. "I was feeling stupid until the sale of the Clippers and Dodgers."
The latest "Around The League Podcast" breaks down the news and examines developments from the first week of OTAs.


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THE 13TH NATIONAL COMPUTER CONFERENCE & EXHIBITION King Abdulaziz City for Science and Technology (KACST) and the Saudi Computer Society will host the 13th National Computer Conference and Exhibition in Riyadh, on 27/5-2/6, 1413 AH, 21-26 November, 1992 AD. This conference is a continuation of the previous 12 national computer conferences held in the Kingdom of Saudi Arabia since 1394 AH, 1974 AD. The General Conference Theme is: INFORMATION TECHNOLOGY TRANSFER The conference Organizing Committee would like to extend its invit- ation to all scholars to submit original research papers for consid- eration under the following topics: MAIN TOPICS: ----------- A - HUMAN ASPECTS 1. Human Computer Interaction 2. Training 3. Legal Aspects 4. Social Aspects 5. Computer Literacy and Education 6. Special Interest Groups B - RESEARCH AND DEVELOPMENT 1. Information Industries 2. Tools and Infrastructures 3. Role of Research 4. Planning and Management Papers on the following topics can also be submitted: 1. Computer Networks 2. VLSI 3. Systems Architecture 4. Software Engineering 5. Artificial Intelligence 6. Data Bases The deadline for submission of the full text of the papers is 26/12/1412 AH (27 June 1992 AD) The notification date for acceptance of refereed full papers is 10/4/1412AH (6 October, 1992 AD). Five copies of each paper should be mailed to the following address: Chairman of Research Committee, The 13th National Computer Conference Directorate of Information Systems King Abdulaziz City for Science & Technology (KACST) P.O. Box # 6086, Riyadh 11442, Saudi Arabia A paper should include an abstract of not more than 200 words, and the paper length, including diagrams and tables, should not exceed 15 single-spaced A4 pages. Margins should be approximately 3 cm and the paper should be printed on a high quality printer. References should be numbered in the following format: -{Number}, author name, title, journal or publisher, volume, number, place and date, page numbers. For more information, please contact: Tel: (966-1) 481 3273 Fax: (966-1) 488 3118 E-Mail: NCC13 at SAKACS00.BITNET


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June 22 (Bloomberg) -- Credit Suisse Group AG's credit rating was cut three levels and Morgan Stanley's was reduced by two as Moody's Investors Service downgraded 15 banks in moves that may shake up competition among Wall Street's biggest firms.
Credit Suisse was cut to A2, the same as JPMorgan Chase & Co. and BNP Paribas SA, as Moody's completed a review of global banks with capital-markets operations it announced in February. Morgan Stanley and Zurich-based UBS AG, the other firms singled out for three-level reductions, were lowered two steps instead, the ratings firm said yesterday in a statement.
"All of the banks affected by today's actions have significant exposure to the volatility and risk of outsized losses inherent to capital-markets activities," Moody's Global Banking Managing Director Greg Bauer said in the statement.
Lower ratings can lead to higher costs for borrowing and collateral. The downgrades leave Citigroup Inc. and Charlotte, North Carolina-based Bank of America Corp. as the lowest-rated banks among the 15 at Baa2, two levels above junk. Moody's kept the long-term ratings of both lenders on negative outlook, which means they may be cut again.
Asian stocks fell, trimming a third weekly advance, after the Moody's downgrades and reports signaling a slowing U.S. economic recovery. The MSCI Asia Pacific Index slid 1.1 percent as of 11:28 a.m. in Tokyo. Oil traded near a nine-month low.
JPMorgan's Trading
JPMorgan, which reported a $2 billion trading loss last month, was included by Moody's in the group of banks with the highest stand-alone credit ratings, along with HSBC Holdings Plc and Toronto-based Royal Bank of Canada. Moody's said those firms had stronger "shock absorbers" from earnings in more stable businesses than investment banking and trading.
The trading loss at New York-based JPMorgan was an "important factor in the downgrade of the stand-alone credit profile," Moody's said. "It illustrates the challenges of monitoring and managing risk in a complex global organization and highlights the opacity of such risks."
Royal Bank of Scotland Group Plc, based in Edinburgh, and Paris-based Societe Generale SA, were both cut one grade and Frankfurt-based Deutsche Bank AG and French lenders BNP Paribas and Credit Agricole SA were all lowered two levels.
Goldman Sachs Group Inc., Morgan Stanley and London-based Barclays Plc all had their holding company short-term ratings cut to P-2 from P-1.
Credit Suisse's main operating subsidiary, Credit Suisse AG, also was cut three levels to A1 from Aa1 and the outlook is stable, Moody's said.
Financial Status
"Moody's continues to recognize Credit Suisse as one of the most highly rated banks in its peer group, citing our balanced business portfolio, strong liquidity position, improving capital position as well as our low exposure to the peripheral European economies," David Mathers, Credit Suisse's chief financial officer, said in a statement.
The Swiss bank, at A2, is on par with six other lenders in the review and trails the ratings of HSBC and RBC. Four U.S. firms and British banks Barclays and RBS have lower ratings.
"Funding for Credit Suisse shouldn't be a problem," said George Strickland, who helps oversee $14 billion of fixed-income assets as a managing director at Santa Fe, New Mexico-based Thornburg Management Inc. "Their short-term rating is still money-market eligible and their long-term rating is mid-tier A and as good as almost any bank."
Global Review
The downgrades may force banks to post additional collateral to trading partners in derivatives deals while boosting the companies' borrowing costs. Moody's said when it announced the review that it was seeking to reflect the banks' reliance on fragile confidence in funding markets and increased pressures from regulation and a difficult market environment.
The ratings firm said Feb. 15 it was reviewing grades for 17 banks. Moody's cut Sydney-based Macquarie Group Ltd. and Nomura Holdings Inc. one level each in March. It also started a review of lenders in more than a dozen European nations and already has reduced grades in Spain, Germany, Italy, Sweden, Austria and Denmark. Nomura, based in Tokyo, is the lowest-rated of the 17 at Baa3, one level above junk.
The downgrades may affect the competitive landscape in derivatives that aren't centrally cleared, a business that provides about 15 percent of the industry's trading revenue, Kinner Lakhani, a Citigroup analyst, wrote in an April 30 note. Banks with the largest cuts may lose revenue from such long-term derivatives, Charles Peabody, a Portales Partners LLC analyst, said in a June 4 interview on the "Bloomberg Surveillance" radio program.
'Strategic Actions'
"Right now there are a lot of internal bank policies that if you're doing a longer-term structured derivative, you want the counterparty to be A-rated or above," said David Konrad, an analyst at KBW Inc. in New York. Because Moody's is downgrading the entire banking industry rather than one or two firms, "a lot of those policies may be rewritten over time."
Morgan Stanley was cut two levels instead of three because of assumed support from Mitsubishi UFJ Financial Group Inc., the investment bank's largest shareholder, Moody's said.
Even with the smaller-than-expected downgrade, "we believe the ratings still do not fully reflect the key strategic actions we have taken in recent years," New York-based Morgan Stanley said in a statement. "With our de-risked balance sheet, stable sources of funding, diverse business mix and strong leadership team, we are well positioned to deliver for clients and shareholders."
'New World'
Credit Suisse said in its annual report that a three-level cut would result in additional collateral requirements or termination payments under certain derivative instruments of 4.5 billion Swiss francs ($4.7 billion), as of Dec. 31. UBS said it would face 2.1 billion francs of collateral calls from a two- level cut.
Banks' large liquidity buffers will make collateral requirements "manageable," Amit Goel, a Credit Suisse analyst, wrote in a May report.
"Pre-crisis bank ratings used to be clustered together," Lakhani wrote. "In the new world, dispersion has increased. Markets tend to discriminate more between issuers at lower ratings -- in terms of funding costs. Over time, this could provide a competitive edge for higher-rated firms," including JPMorgan and London-based HSBC.
Morgan Stanley's stock fell on June 4 to what was then its lowest close since December 2008 as investors weighed a potential credit-rating cut. The shares have rallied 13 percent since then.
Government Impact
Moody's wrote on Jan. 19 that credit profiles of global lenders are weakening as governments struggle with their finances, and economic uncertainty and higher funding costs persist. When Moody's places a company's ratings on review for a downgrade, it typically decides whether to cut them within three months.
Moody's cut the long-term credit rating of Citigroup, the third-biggest U.S. bank, and its bank subsidiary Citibank NA by two levels. That could result in "cash obligations and collateral requirements" of $1.1 billion as of the end of March, the lender said in a filing.
The ratings firm also cut Citibank NA's short-term credit rating. New York-based Citigroup had warned that a cut may cause some corporate customers to evaluate the deposits they keep at the bank and that there might be an "additional potential impact" on $25.3 billion of liquidity guarantees on asset- backed commercial paper, a type of short-term debt.
"Citi strongly disagrees with Moody's analysis of the banking industry and firmly believes its downgrade of Citi is arbitrary and completely unwarranted," the bank said in a statement. "Moody's approach is backward-looking and fails to recognize Citi's transformation over the past several years, the strength and diversity of Citi's franchise, and the substantial improvements in Citi's risk management, capital levels and liquidity."
Other companies have spoken out against the Moody's review, citing the firm's methodology and approach. UBS CFO Tom Naratil said his firm's financial position is "completely inconsistent" with one that would have its short-term rating cut from P-1.
Morgan Stanley CEO James Gorman said June 12 it would be "somewhat stunning" if his firm was cut three levels given the bank's increased capital and liquidity. Goldman Sachs CFO David Viniar has said that he and other executives "strongly disagree" with Moody's approach.
Unwarranted Action
"If you look at every single credit metric there is for Goldman Sachs and frankly for many of our competitors, none of the actions they've talked about are warranted," Viniar told analysts and investors April 17 after the New York-based company reported first-quarter results. "We are, as you know, we're quite analytical. And when we do all of the analysis, we cannot figure out why they are where they are."
David Knutson, a Chicago-based credit analyst with Legal & General Investment Management, said Moody's is in a difficult business because it collects fees from the banks.
"When you upgrade someone, I imagine they're happy to sign the check because they earn it back in lower rates," Knutson said. "When you downgrade them, signing that check is a much harder thing to do."


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Two basketball players from the University of Florida — freshman Cody Larson, 18, and sophomore Erik Murphy, 19 — were charged with breaking into a car early Sunday morning. Team manager Joshua Adel was charged with principal to burglary for acting as a lookout as the two followed up on a failed attempt to shake down an employee who was closing out at Scarlett O'Hara's Restaurant & Bar:
Investigators said Larson and Murphy went into Scarlett O'Hara's Bar and Restaurant around 2 a.m. Sunday and claimed to have lost a wallet. They said the men tried to get close to an employee who was counting money from the night.
Bouncers then told Larson and Murphy to leave and a few minutes later, they saw the men breaking into a co-worker's car in a parking lot across the street, according to police.
The players were held in a police cruiser and, mercifully, recorded as they attempted to devise a story for what they'd done. Among the ideas: to target O'Hara's for letting in underaged drinkers.
Gators coach Billy Donovan has suspended Larson and Murphy from "basketball-related activities." They're out on bond now — possibly downing Jager shots in a bar somewhere and constructing their grand plan for destroying the tape that is now everywhere on the internet. We suggest they target the internet.
St. Augustine Police Arrest 2 UF Players [News4Jax.com]
Video and audio, if you couldn't tell, via First Coast News and by way of Eye On College Basketball.


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Jews have lived in the geographic area of today's Turkey for more than 2400 years. Their greatest influx into the Ottoman Empire occurred during the reign of Beyazid II (1481-1512), who issued a formal invitation to Jews expelled from Spain and Portugal. These so-called Sephardic Jews have since played an important role in the life of Istanbul.
The 20th century has not been kind to Istanbul's Jews, however. Turkification policies in the 1920s, pogroms in Thrace in 1934 and the Varlık Vergisi ("wealth tax") of 1942, which impoverished most of the non-Muslims, losing most of their property in the process, all played a role. The "wealth tax" had probably the most detrimental effect on the numbers of the Jewish community. Many, unable to pay the tax, were sent to labour camps, and thousands emigrated. At the same time, Turkey offered refuge to prominent German Jews escaping from the Holocaust.
After the foundation of the state of Israel, Jews from Turkey emigrated in great numbers to Israel, where they have since established several associations and foundations. After the September 1955 riots, thousands more fled Turkey. There have also been tragic attacks, the most fatal in 1986, when 22 Jews were killed at the Neve Shalom Synagogue. In 2003, an attack on two synagogues in Istanbul (Neve Shalom and Beth Israel), carried out by Turkish and Kurdish supporters of Al-Qaeda, killed 6 Jews.
The present size of the Jewish community is estimated at between 23,000 and 26,000. The vast majority live in Istanbul, with a community of about 2,500 settled in Izmir. Sephardic Jews make up approximately 96 percent of Turkey's Jewish population.
Turkish Jews are still legally represented by the Hahambasi, the Chief Rabbi, currently Izak Haleva. Born in Istanbul in 1940, he graduated from Beyoglu Jewish High School and continued his higher education in Jerusalem. After his military service from 1961-63 he started working on the staff of the Chief Rabbinate of Turkey.
Izak Haleva
October 2008


text: Tuesday, July 16, 2013 Self-Referral of Anatomic Pathology Cost Medicare $69 Million, Says GAO A new report from the Government Accountability Office (GAO) concludes that when physicians performed biopsies in their own facilities instead of referring the service to an outside lab, the number of procedures increased, and costs went up. GAO released "Action Needed to Address Higher Use of Anatomic Pathology Services by Providers Who Self-Refer" yesterday. This second of 4 reports in GAO's self-referral investigation covered anatomic pathology services between 2004 and 2010. Among the findings are that self-referred services more than doubled, while services referred externally increased far less (116% vs 38%); and spending was higher for self-referrals than for non-self-referral services (164% vs 57%). GAO estimated that the higher rate of procedures and higher number of services per biopsy by self-referrers cost Medicare $69 million. Additional findings and conclusions are in the report. "There is more than enough evidence that self-referral leads to over-utilization," stated the Alliance for Integrity in Medicare (AIM) today in response to the report. GAO recommended that the Centers for Medicare and Medicaid Services (CMS) track self-referred anatomic pathology services, create policies to ensure appropriateness of biopsy procedures, and develop new payment approaches. AIM said that while it applauds GAO's findings, it disagrees with these recommendations. "It's time to get at the root of the problem and close the self-referral loop." APTA is an AIM member. In its first report, GAO investigated self-referral in advanced imaging services, also concluding that financial incentives were a likely factor driving the increases in referrals and spending. APTA anticipates the last 2 reports in the series, on radiation oncology and physical therapy, later this year.


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M-J's 15-year-Old Classic Sweater by Red and Blue of Milan, Bought at an Italian Tailor Shop: Sir Roger Moore Wore the "Same" Sweater Several Times in His 1970s Series, "The Persuaders", with Tony Curtis
This elegant, double-breasted classic sweater by Red and Blue of Milan looks superb on all sides! It has brass buttons on its cuffs and front. The sweater is versatile charcoal grey and rib-knitted, just like Sir Roger's. It even has double vents in the back.
Take good care of your clothes,
and they will serve you well for decades!
©M-J de Mesterton


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David Rosman has not received any gifts yet
It's possible, though I'm not 100 percent sure. I'm an active member of the Ethical Society in St. Louis and have attended some atheist-related events throughout the area.
Welcome aboard! =) Hope you're well today - I'm over in south STL city myself, not far from CoMo.
Welcome, David! Glad you could join us. :D
Please consider joining a group to meet people and talk about anything that's on your mind, Hang With Friends. You might also like Atheist Writersand Are You Experienced?.
I also recommend Eco-Logical and Climate Concerns, since the climate is changing so drastically.
After you've searched for topics of interest in "Groups" above and in the "Forums", don't forget to look at recent activity which hides along the right margin of the page all the way at the bottom.
Hi David
Welcome to this internet world of rationality and peace--of common sense and freethinking wisdom--that unites non-believers and critical thinkers like you and us.
You are invited to join the busy group "ORIGINS: Universe, Astronomy, Life, Earth, Humans, Religion, Gods, Atheism, Evolution, Darwin..." with 740 discussion topics and 3750 members.
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