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By Ricardo Alonso-Zaldivar
Internet sale price for a standard back brace: $99.99.
What Medicare pays for the item: $900-plus.
A federal report released Wednesday offers a look at how wasteful spending drives up health care costs as investigators found that Medicare paid $919 on average for back braces that cost suppliers an average of $191 each.
"The program and its beneficiaries could have paid millions of dollars less if the Medicare reimbursement amount … more closely resembled the cost to suppliers," according to the report from the inspector general of the Department of Health and Human Services.
In a written response, Medicare's administrator, Marilyn Tavenner, said Medicare will consider including back braces in a competitive bidding plan for medical equipment. The bidding experiment, expanding across the country, has been shown to save taxpayers money.
Budget talks between President Barack Obama and House Speaker John Boehner, R-Ohio, may lead to more competitive bidding, a shift that some Democrats are urging and industry is fighting.
It's estimated that the health care system squanders $750 billion a year, about 30 cents of every medical dollar, through unneeded care, wasteful spending and fraud. Part of the problem is prices can vary widely depending on who's paying the bill. Prices that government programs pay can be way off the mark.
Medicare spends more than $10 billion a year providing beneficiaries with medical equipment, from power wheelchairs to blood sugar monitors. It's an area that has been rife with fraud. Unscrupulous suppliers sell beneficiaries items they may not need and bill the cost to Medicare.
The $96 million that Medicare spent on back braces in 2011 was a small sliver of its total spending, but that amount had more than doubled in just three years, up from $36 million in 2008, the report said. Investigators decided to take a closer look, before the line item for back braces could reach the $200 million or $300 million mark.
The inspector general's office focused on a type of back brace that is fairly standard. Dozens of medical device manufacturers produce such braces for thousands of suppliers around the country.
The brace is worn around the midsection of the body, and usually features rigid panels on the front and back, along with straps for adjustment. It's prescribed to help back-pain sufferers maintain proper body alignment. Medicare paid for more than 121,000 of the braces in 2011, compared with fewer than 49,000 in 2008.
Investigators pulled a random sample of claims from more than 300 suppliers and took a deep dive into the paperwork. They found that the price Medicare was willing to pay was more than four times what the braces cost suppliers. The average difference: $728 per brace. The high costs were shared by beneficiaries, who are responsible for a 20 percent copayment.
The reimbursement amount set by Medicare goes beyond just equipment cost, also including fitting and education for the patient. So the inspector general's office took a look to see if that might explain the high cost to the program.
But investigators found that for one-third of claims, suppliers did not report any fitting and adjustment help. Support services varied for the remaining two-thirds of cases. Some suppliers reported taking hip and waist measurements. Others said they adjusted the braces in some fashion. Nearly half the claims involved services from medical professionals such as doctors, chiropractors and physical therapists.
"For the vast majority of claims, suppliers did not provide any additional services…other than general instructions," the report said.
A reporter's quick Internet search suggested there's a thriving business in back braces. One medical supplier in the Midwest aimed its pitch directly at doctors.
"Your peers are using back braces to help generate additional revenue for their office," the promotional material said. It explained how doctors can make an added $350 to $650 for each Medicare patient who qualifies for a brace. — AP


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Birthday Candles Gift Labels
Your birthday gifts will look extra special with these pretty, customized labels that make gift-giving a snap! Just peel and stick.
- Set of 12 labels
- Labels measure 3" square
- Printed on a high-quality glossy label stock
Orders are printed, packaged, and shipped within 1-3 business days. Please note that this is the in-house processing time and does not account for the time the package is in transit.
Standard Shipping
We ship via USPS First Class, which usually takes 3-6 business days in transit. Orders under $35 ship at a flat rate of $3.50. Orders over $35 ship free!
Expedited Shipping
Expedited shipping methods are available at checkout.
USPS Priority Mail ($8): 2-3 business days.
USPS Express ($24): 1-2 business days.
You'll receive a shipping notification with tracking information once your order leaves our studio.

subset: commoncrawl


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Sydney Social 101 is your guide to all the events and activities around Sydney. Browse through to find the best places to eat, drink and just socialise with your friends!
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Engaging communities in emergency response: the CTC experience in Western Darfur. IN: Humanitarian Policy Network, ed. Humanitarian Exchange. London: Overseas Development Institute.
Guerrero, S., & Mollison, S., (2005)
Soya, maize and sorghum ready-to-use therapeutic foods are more effective in correcting anaemia and iron deficiency than the standard ready-to-use therapeutic food: randomised controlled trial. BMC Public Health, (2019); 19:806
Soya, maize, and sorghum–based ready-to-use therapeutic food with amino acid is as efficacious as the standard milk and peanut paste–based formulation for the treatment of severe acute malnutrition in children: A noninferiority individually randomized controlled efficacy clinical trial in Malawi. AJCN, 2017; 106: 1100/12
The need for adult therapeutic care in emergency feeding programs. Lessons from Somalia, JAMA (270 (5))
Borton et al. Humanitarian Aid and Effects, The International response to conflict and genocide: lessons from the Rwanda experience – Study 3 of the Joint evaluation of emergency assistance to Rwanda. DANIDA/ODI, London 1996
Using middle upper arm circumference to assess severe adult malnutrition during famine, JAMA (276 (5))
Assessment of nutritional status of adults in emergency-affected populations, RNIS Supplement ACCN (August)
Outpatient care for severely malnourished children in emergency relief programmes: a retrospective cohort study, The Lancet (360)
The Cost of Selective Feeding, ENN Special Supplement on Community-based Therapeutic Care, (ENN Special Supplement Series, No. 2, November).
Community-based therapeutic care – a new paradigm for selective feeding in nutritional crises, Overseas Development Institute: London (Humanitarian Policy Network Paper 48)
Engaging communities in emergency response: the CTC experience in Western Darfur. IN: Humanitarian Policy Network, ed. Humanitarian Exchange. London: Overseas Development Institute
Bahwere et al. Community-based Therapeutic Care (CTC): a field manual. First edition, Valid International, Oxford, UK. 2006
Key issues in the success of community-based management of severe malnutrition, Food Nutrition Bulletin (27)
Community-based therapeutic care in HIV-affected populations, Trans R Soc Trop Med Hyg (2006; 100(1):6-9)
Bahwere. Mangochi Research on the Nutrition Care of Chronically Sick Adults using Chickpea Sesame based Ready-to-Use Therapeutic Food Save the Children USA, Lilongwe. July 2007
Uptake of HIV testing and outcomes within a community-based therapeutic care (CTC) programme to treat severe acute malnutrition in Malawi, BMC Infectious Diseases, (July)
Improving the management of severe acute malnutrition in an area of high HIV prevalence, Journal of Tropical Paediatrics, (54(6))
Socio-Cultural Determinants of Food Sharing Amongst the Dinka of Southern Sudan: Observations and Implications for Humanitarian Programming, Emergency Nutrition Network (March)
Acceptability and effectiveness of chickpea sesame based Read to Use Therapeutic Food in malnourished HIV positive adults, Patient Preference and Adherence (Jan-March) (3)).
Probiotic and prebiotic enhanced Ready-to-Use Therapeutic Food (RUTF) in the treatment of Severe Acute Child Malnutrition (SAM) in Malawi: A double blind randomised controlled efficacy trial, The Lancet (374).
Cost effectiveness of community therapeutic care for children with severe acute malnutrition in Zambia: economic evaluation. Cost Effectiveness and Resource Allocation (7:2 January).
Therapeutic Nutrition for Children with Severe Acute Malnutrition: Summary of African Experience Indian Pediatrics (Indian Pediatr 2010;47: 655-659).
Breast-milk intake of 9–10 month old rural infants given a ready-to-use complementary food in South Kivu, Democratic Republic of Congo, AJCN (Am J Clin Nutr 2011;93:1300–4).
S. Collins. Severe Adult Malnutrition- The limits of human adaptation to starvation. Lambert Academic Publishing, Germany 2011, ISBN 978-3-8433-9484-0.
Effective Therapeutic Feeding with Chickpea Sesame Based Ready-to-Use Therapeutic Food (CS-RUTF) in Wasted Adults with Confirmed or Suspected AIDS, World Journal of AIDS, (2011;1: 169-181).
Impact of household food insecurity on the nutritional status and the response to therapeutic feeding of people living with human immunodeficiency virus, Patient Prefer Adherence, (2011;5: 619-27).
Randomized controlled trial of the effectiveness of a soybean-maize-sorghum based ready-to-use complementary food paste on infant growth in South Kivu, Democratic Republic of Congo, AJCN (Am J Clin Nutr 2012;95:1157-1164).
Development of the acceptability and safety of novel ready-to-use therapeutic foods, Nutrition, (September).
Low-cost, Ready-to-Use Therapeutic Foods can be designed using locally available commodities with the aid of Linear Programming, Journal of Nutrition.
Development and acceptability of a novel milk-free soybean–maize–sorghum ready-to-use therapeutic food (SMS-RUTF) based on industrial extrusion cooking process, Maternal Child Health.
S. Akech, S.Collins & J. Berkley. Chapter in Principles of Medicine in Africa, 4th Edition. Cambridge University Press, Cambridge UK, 2012.
Long term mortality after community and facility based treatment of severe acute malnutrition: Analysis of data from Bangladesh, Kenya. Malawi and Niger, Journal of Public Health and Epidemiology (2012; 4(8):215-225).
Comparison of the effectiveness of a milk-free soy-maize-sorghum-based ready-to-use therapeutic food to standard ready-to-use therapeutic food with 25% milk in nutrition management of severely acutely malnourished Zambian children: an equivalence non-blinded cluster randomised controlled trial, Maternal and Child Nutrition.
Effectiveness of milk whey protein-based ready-to-use therapeutic food in treatment of severe acute malnutrition in Malawian under-5 children: a randomised, double-blind, controlled non-inferiority clinical trial. Article first published online: 13 FEB 2014. DOI: 10.1111/mcn.12112
Estimated Iron and Zinc Bioavailability in Soybean-Maize-Sorghum Ready to Use Foods: Effect of Soy Protein Concentrate and Added Phytase, Journal of Food Processing & Technology (J Food Process Technol 2016, 7: 556)
Cereals and pulse-based ready-to-use therapeutic food as an alternative to the standard milk- and peanut paste–based formulation for treating severe acute malnutrition: a non-inferiority, individually randomized controlled efficacy clinical trial, AJCN (Am J Clin Nutr 2016 115.119537).
Dr Steve Collins reflects on the opportunities and problems associated with the USD$250 million contribution announced by Administrator, Samantha Power of USAID – a positive catalyst for change?
VALID commissioned and achieved peer-review of a professional report to quantify objectively the overall climate impact profile of the amino-acid enhanced, plant-based RUTF recipe. It has found that the overall global warming potential impacts of the plant-based RUTF recipe are 47%-52% less than the milk-peanut based recipe.
Dr Steve Collins gives a hugely informative and enlightened interview to ENN podcast while discussing his candid Reflections on the UN Global Action Plan on Wasting.


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Search » All » History » Religion » Life of Paul
Hungry Bug
Score:high scores
A question and three possible answers will be displayed in the area to the right.
Use the arrow keys to move to eat the food that corresponds to the correct answer. Game ends if you run off the table or into yourself. For best score, avoid the food that doesn't match the current answer.
Game Over
Embed Code - If you would like this activity on your web page, copy the script below and paste it into your web page.
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Created by: flcchildren
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Camp Bow Wow Rowlett Employment Opportunities
Work at Camp
Do you love animals? Have you always wanted to work with them? Join the Camp Bow Wow® Rowlett team!
If you're interested in working at Camp, stop by to fill out an application or to learn more about our employment opportunities.
You are applying to work for a franchisee of Camp Bow Wow®, not Camp Bow Wow Franchising, Inc. or any of its subsidiaries, affiliates, or related companies. Any information that you submit will be provided solely to the franchisee. If you are hired, the franchisee will be your only employer. Franchisees are independent business owners who set their own wage and benefit programs that can vary among franchisees.


text:
Size 7 inch x 14 inch
Sign has mounting holes in each corner.
Sign Thickness 0.02''
Sign letters color: WHITE
Sign background color: RED
Sign material: Aluminium
Sign Type: Wall Mounted
Reflective Sign: Yes
0.02'' rustproof aluminum
Standard Engineer Grade reflective
Rounded corners for easy handling and a professional appearance
Sign has pre-punched holes to insure a hassle-free installation
HPD Required sign: NO (See Law and regulations)
DOB NYC Required sign: NO (See Law and regulations)
Fire Department required sign: YES (See Law and regulations)
REQUIRED SIGNS for RESTAURANTS & BARS - N/A (See Law and regulations)
DOT Required Sign: NO (See Law and regulations)
DSNY Required Sign: NO (See Law and regulations)
Sign Group: Fire Department Signs, Emergency Exit Signs. Emergency Exit Left Signs, Safety Signs, Escape Route Signs, Red Background Signs, Reflective Signs
This is a reflective aluminum "EMERGENCY EXIT" SIGN with holes for installation. Post sign to label emergency exit in facilities with reflective signs to inform tenants/owners/Fire Department Crew in single and multi unit establishments
Our EMERGENCY EXIT reflective signage comes with four pre-drill holes, which allow you to either use screws and install aluminum sign on walls behind relevant equipment or use Jack Chain/Sturdy Wire and install sign on the equipment it refers to, in which case you can simply hang it where it belongs.
Install an EMERGENCY EXIT reflective aluminum sign to stay compliant with the relevant laws, regulations and recommendations in force in NYC. Maintain the safety levels required by different federal and municipal agencies and institutions that observe and enforce the law.
This is a sturdy EMERGENCY EXIT reflective aluminum sign with RED background, WHITE letters and 4 holes for heavy duty installation. It is a size 7''X14 aluminum reflective sign. It is 0.02 inches thick. It is a sign made of sturdy aluminum.
Shipping and Handling Cost:
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Sales Tax:
We are required to collect sales tax on any product sold on this site and shipped to an address in New York. The sales tax is 8.875 percent.
The requirements for sign content are determined by intended use and by applicable regulation. The BUYER is responsible for determining the appropriate content for a sign or package of signs. DOBsigns.nyc makes no warranty or representation of suitability of a sign for any specific application. IT IS THE CUSTOMER'S RESPONSIBILITY TO ENSURE THAT THE SIGNS THE CUSTOMER ORDERS ARE IN COMPLIANCE WITH ALL STATE, FEDERAL, LOCAL, AND MUNICIPAL LAWS. Please review terms and conditions prior to purchase.
We provide both signs required by city and state regulation and Fire Department Signs , Emergency Exit Signs. Emergency Exit Left Signs , Emergency Signs , Exit Signs , Safety Signs , Escape Route Signs , Red Background Signs and Reflective Signs
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Find us on:
Google Map , YELP , Bing Map, MapQuest , Yellow Pages , Google Plus, Amazon.com, Buildingsigns.com , HPDSIGNS.NYC
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This is an aluminum "EMERGENCY EXIT" sign with holes for heavy duty installation.In NYC use/ post sign to inform tenants/owners/guests/officers/Fire Department Crew of emergency exit located left of sign in facility with proper DOB designation and reflective aluminum signs


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About this product: This Deep Tray Storage Unit is a stylish storage solution for the modern classroom and nursery. It is supplied with 8 Deep and 6 extra deep sized Trays that come in range of vibrant colours. Choose as per image to have a mixture of tray colours.
Ideal for: Schools, nurseries, after school clubs and offices.
Assembly: This storage tray unit has 14 trays and is fitted with lockable castors and delivered fully assembled.
Good to know: The unit is made from sturdy MFC and is finished in a contemporary white colour. Ideal for storing essential classroom accessories such as paper, pens, pencils and activity books.
Advice before ordering: We want you to love your Storage Unit as much as we do, because your items are made to order we ask that you check that your measurements and colour choices are correct before proceeding to checkout as errors cannot be rectified later. For more information please read the Delivery & Returns information below.
Important Delivery Information: When placing an order please be aware that our delivery partner will deliver to the ground floor only.
Manufacturing Your Order
All goods are manufactured to the advertised lead time which you will find on the Product Page just above the Add to Basket button.
Returns Policy
All Panel Warehouse products are made to order and are non-returnable. We politely ask that you check all of your requirements carefully before proceeding to checkout, if you have any questions in advance then please do not hesitate contact us. We also ask that you check your email order confirmation on receipt to ensure that your requirements and delivery instructions are correct.
Carriage Charges
Standard UK Mainland Delivery Service - All delivery charges where applicable are made per order and not per item.
£25.00 + VAT applies to orders up to £149.99 + VAT
£45.00 + VAT applies to orders over £150.00 + VAT
£55.00 + VAT Next Day Delivery. Applies to Next Day Delivery products only. UK Mainland destinations only, deliveries to certain parts of Scotland will be longer.
AM Deliveries - are available and are price on application. Please contact us on 0161 609 0262 for more information
Next Working Day Product Range: Next Day Delivery Products must be ordered before 10am to be despatched the same working day. Please note Next Working Day only applies to selected products. A Next Day Delivery Carriage Charge applies.
Non Mainland Deliveries
Costs for UK Non Mainland Deliveries are price on application. Please contact us for a competitive quotation.
Getting your order to you
Please read the Delivery and Returns information carefully and be aware that for manufacturing purposes we offer different lead times for each product group. Delivery times are illustrated on each product page and visible above the add to basket button. If you are unsure or you require an item urgently please contact us on 0161 609 0262.
Orders placed on Saturday and Sunday will be processed on the following working day and delivered as per the advertised delivery time for that product. We aim to honour our Delivery Promise however should we be unable to meet the advertised delivery schedule for any reason you will be contacted by a member of our Customer Services Team with a delivery date.
Urgent Orders: We aim to meet all urgent requirements, should you need a specific item urgently please contact us on 0161 609 0262 for advice.
Extended Delivery: Please be aware that during these challenging times there may be circumstances beyond our control where we may occasionally have to operate a longer than usual production time. Should this be the case we will notify you immediately of any changes to your delivery schedule and we thank you for your patience.
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All deliveries are made by a nationwide courier service. Standard Delivery is made Monday-Friday between 8.30am and 6 pm and is made by a reputable nationwide courier. Deliveries can be upgraded to an AM (before 12noon) for a small additional charge. Please note we are unable to offer specific delivery time slots or call in advance of delivery.
IMPORTANT: Delivery Drivers are unable to contact a client by telephone prior to delivery, we therefore notify all clients by email prior to despatch to be prepared for the delivery of their order.
If you require your goods to be delivered on a specific day please notify us of your requirements and we will endeavour to schedule your delivery accordingly.
Deliveries are made by one person who will deliver your order to the address specified and to the ground floor only. Please note that for insurance reasons, deliveries cannot be made to upper floors even if there is a lift.
Due to the size and nature of the products that we supply please advise if the driver is able to park outside your premises and if there are any unusual delivery details that the driver should be made aware of.
School Furniture Deliveries: Please be aware that School Furniture deliveries can take up to 3 working days from despatch. We regret that due to the size of both the products available and the vehicles used to deliver these items we cannot deliver to residential addresses, we are happy to discuss your requirements in more detail please contact us on 0161 609 0262.
Deliveries to parts of Scotland & the Scottish Isles and Ireland will exceed our standard delivery schedule.
We want you to love your order as much as we enjoy making it so we politely ask that you double check your requirements carefully before ordering any products advertised. To help you make an informed choice we are happy to discuss any queries you may have and supply fabric swatches on request. We manufacture all items specifically to order and to the customer's specification. Therefore, and in accordance with distance selling business to business regulations, goods are not returnable. In the event of goods being received damaged or faulty please notify us immediately and we will exchange them, we will arrange for your goods to be collected and for replacement items to be delivered.
All costs are subject to carriage charges and VAT.
Checkout Help
During office opening times 9am-5pm (Monday – Friday) up to the moment you make your payment we are able to offer assistance in helping you to process your online order . (For security reasons we cannot view and do not have access to your payment details or store your credit card information). Should you need assistance please contact us on: 0161 609 0262
We accept payment by all major credit and debit cards including VISA, MasterCard and American Express.
For your peace of mind we do not store credit card information. All transactions are made via Sage Pay, our preferred secure online payment solution.
Alternative methods of payment include PayPal, Cheque and BACS - to request our bank details please contact us on 0161 609 0262
Cheque and Bacs Payments - please be aware that production will not commence until we have received payment.
Credit Accounts are available to Local Authorities, Schools, Colleges, Universities & the NHS
Orders placed by these organisations quoting an official order number will receive an invoice for payment due within 30 days. Production will commence on receipt of order.
Please note - we only accept payments made in Pounds Sterling.


text:
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If you are a parent of a troubled teen from Coloma, CA and he or she is in a mental health crisis, we recommend you look for treatment programs in Coloma, CA designated as "out of network" treatment providers.
Specifically, we recommend you look for Coloma, CA mental health treatment providers that have the ability to work with healthcare insurance providers such as Aetna, Cigna, Healthnet, Pacific Source, and United Healthcare. Treatment programs from Coloma, CA that take insurance can save you tens-of-thousands of dollars, if not more.
An out-of-network provider is one which has not contracted with your insurance company for reimbursement at a negotiated rate. Some health plans, like HMOs, do not reimburse out-of-network providers at all, which means that as the patient, you would be responsible for the full amount charged by your doctor.
We recommend you only consider treatment programs in Coloma, CA that routinely work with the nation's top healthcare insurance providers. Coincidentally, the best treatment programs in Coloma, CA will be able to get big portions of your teen's treatment covered, including mental and behavioral treatment provided through Day Treatment, Intensive Outpatient, Intensive Inpatient, Partial Hospitalization, and Residential Treatment.
The major healthcare insurance plans accepted at Turning Winds RTC are Cigna, Aetna, UnitedHealthcare, UHC of California, HealthNet, and Pacific Source.
Obvious, any treatment an insurance company is willing to cover will lower your overall cost of treatment, therefore it is always smart for parents of troubled teens to look for the adolescent treatment programs in Coloma, CA that take insurance.
Mental Health Issues Covered By Top Insurance Plans In Coloma, CA
- Teen Alcohol & Drug Abuse
- Adolescent Anorexia, Bulimia, Binge-Eating Disorder
- Teenage Anxiety. Social Anxiety, Cutting
- Panic & OCD Disorders in Teens
- Teen Depression & Bipolar Disorder
- Adolescent Borderline Personality Disorder
- Teenager Conduct Disorder
- Oppositional Defiant Disorder by Teens
- Teenage PTSD
- Self-Harm & Suicide Ideation by Teenagers
- Youth with Asperger's Syndrome
- Medication Stabilization for Troubled Teens
Types Of Adolescent Mental Health Treatment In Coloma, CA Covered By Insurance Plans
- Day Treatment
- Intensive Outpatient Treatment
- Intensive Inpatient Treatment
- Partial Hospitalization Programs
- Residential Treatment Program
Using Your Mental Health Insurance Benefits In Coloma, CA
We recommend parents check with their insurance company about the details of their mental and behavioral health coverage benefits. We tell parents to contact their insurance company and ask for a list of Coloma, CA in-network providers. Furthermore, we coach parents to ask their insurance company if their mental and behavioral health coverage uses provider networks in Coloma, CA, and/or "out-of-network" Coloma, CA providers? If so, how much will be required for deductibles and other out-of-pocket costs, such as co-pays?
Before calling a mental health treatment provider in Coloma, CA, find out if they accept your insurance. If so, find out if the Coloma, CA treatment provider will bill your insurance company direct, or will you be required to pay the treatment provider in full and submit a claim to your insurance company to get reimbursed.
Determining The Right Level Of Mental Health Treatment For Your Teen
Coloma, CA Intensive Outpatient Treatment for Adolescents (IOP Programs)
The top insurance companies will cover Intensive Outpatient treatment programs for troubled teens in Coloma, CA. IOP's provide mental health or drug abuse treatment to teens without disrupting their entire life. For example, IOP programs offer a "half-day of intensive treatment" afterschool (usually 3 hours of treatment per day, three days per week) and most of the treatment is covered by the best healthcare insurance plans. Intensive Outpatient treatment for adolescents is set up for teens who can continue going to school in Coloma, CA while receiving treatment.
One of the main goals of the adolescent IOP is to provide the highest level of treatment for teens struggling with mental health issues and/or drug addiction without disrupting their education and academic pursuits.
Moreover, adolescent IOP treatment programs are considered a typical "step down" aftercare treatment option for teens recently discharged from an inpatient or acute partial hospitalization program in Coloma, CA. Coloma, CA-based adolescent IOP's are also considered a viable "step up" program offering a higher level of intensive treatment for teenagers who were unsuccessful with an outpatient treatment program in Coloma, CA. The good news is that the best insurance companies cover the cost of IOP treatment.
Typical uses of Intensive Outpatient Treatment in Coloma, CA
- Transitioning from PHP or RTC
- Need more support than weekly therapy
- Unsuccessful in outpatient programs
Coloma, CA Partial Hospitalization Programs for Teens (Adolescent PHP Programs)
Partial Hospitalization Programs for teens from Coloma, CA provide a full day of intensive mental health and/or drug addiction treatment in a hospital setting (typically from 8 AM to 6 PM) and then the teen returns home at night. Most Adolescent Partial Hospitalization Programs (PHP) in Coloma, CA are designed for troubled teens in need of high-level structure and security in addition to intensive treatment. Partial Hospitalization Programs offer a very high level of intensive treatment (a minimum of eight hours per day, five days per week) and at the same time provide a very high level of supervision. The good news is that most of the best mental health care plans cover PHP treatment.
Adolescent PHP programs near Coloma, CA typically provide a multidisciplinary approach to addressing teen's treatment and academic needs while also providing one-on-one adult supervision. PHP programs for adolescents are perfect solutions for teens who are unable to function without adult supervision. These teens have demonstrated the propensity to make really bad personal decisions including a willingness to harm themselves or others.
Adolescents admitted to Partial Hospitalization Programs go home at the end of the day but continue to receive close adult supervision until they return to the PHP program the following morning.
Typical uses of Coloma, CA Partial Hospitalization Programs
- A transition from IOP or RTC
- Need more structure than a typical intensive or outpatient program
- Unsuccessful in intensive outpatient program
Coloma, CA Adolescent Residential Treatment Centers and Programs (RTC's)
Teens admitted to an RTC reside full-time and receive professional therapeutic care and adult supervision 24 hours per day, 7 days per week. Residential treatment centers (RTC) are therapeutic programs for troubled teens and insurance may cover some or all of the mental health and drug treatment services, including; IOP, substance abuse counseling, drug and alcohol treatment, individual and group therapy, family counseling.
Typical uses of Coloma, CA Residential Treatment Centers
- Life unmanageable due to mental health and/or addiction issues
- Out-of-control behavioral issues
- Unsuccessful in Partial Hospitalization
Mental Health Counseling In Coloma, CA For Struggling Teenage Boys And Girls
Turning Winds is the favored choice for parents from Coloma, CA, who are investigating an therapeutic boarding school to offer assistance to their struggling child wrestling with sleep disorder, alcohol abuse/overuse, or narcissistic behavior related challenges. Here at Turning Winds, parents and families from Coloma, CA can expect the best results from our compassionate and licensed therapists. Our research-validated approach to a variety of therapeutic intervention strategies (CBT, DBT, behavioral therapy) and outdoor recreation and adventure therapy makes our work a success! Turning Winds' serene and distraction-free setting helps even the most treatment-resistant teenage boys and girls find their way toward healing and recovery.
Turning Winds's therapists and field staff discourage judgments and labels, and never allow a diagnosis to interfere with what struggling adolescents have in common with each other – their humanity. We have provided support to numerous families from all over the nation, including those from Coloma, CA; Our expert therapists offer a variety of therapeutic intervention strategies (CBT, DBT, behavioral therapy); helping students toward the path of recovery for adolescent boys and girls wrestling with alcohol abuse/overuse, self-harming behavior, or narcissistic behavior related challenges.
In short, the therapists at Turning Winds are skilled at directing at-risk teenage boys and girls from Coloma, CA with lasting recovery. As a superior academic institute, we offer a variety of therapeutic intervention strategies (CBT, DBT, behavioral therapy), outdoor recreation and adventure therapy, and life skills development and experiential education; leading our students to a healthy, balanced life. If you feel you may benefit from our academic institute, we encourage you to contact our intake counselors as the first step to creating lasting change in your struggling child's life. We offer support to vulnerable adolescents from Coloma, CA. Call us at 800-845-1380 to speak with one of our knowledgeable intake counselors today!


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Steigen 1/4 Length Burgundy Socks
Steigen Running Socks are designed to feel like you're not wearing socks at all!
Athletic or Running Socks are an accessory for comfort – the less you feel them the better. Steigen running socks are thin which creates minimal space between the shoe and your foot. This then leads to less movement in the shoe and subsequently less friction/heat. Steigen Running Socks are designed to create an environment in which blisters are less likely to form. They are designed to give the wearer a more responsive feeling from foot and shoe.
- Forefoot pad for comfort and durability
- Arch supports
- Lightweight fabric for fast moisture transfer and breathability
- Microfiber nylon (80%) with Lycra (20%) for form fit
- Airflow top mesh
- Super flat toe seam for superior comfort
- Ankle crease reduction channels
- Greater control


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This course provides an overview of the methodology and guidelines to help you outline an audit plan for your institution. You will learn how to define audit scope and determine the audit approach which fits your organization. The course provides tips for successful audits and reviews audit areas for each functional department of a typical campus, including admissions, financial aid, student accounts, education/academics, and career services. Other business areas including marketing and advertising, human resources, information security and other key areas are also reviewed to provide you with a full scope audit outline. The course concludes with information on reports, audit documentation, and follow-up recommendations following the field audit activities.
This course provides you with a lifelong peer-to-peer learning opportunity through a specific Performance Group created within the Career Ed Lounge, a learning community of career education professionals. This allows you to learn and share with your peers at any time you want, even after you complete the course.
Please review our Terms of Service for additional information regarding your use of this site.
Module 1: The Nuts and Bolts of Internal Audits
Module 2: Internal Audits of Functional Departments
Module 3: Internal Audits of General Business Areas
Module 4: Documentation of Internal Audits
Course Format
Completion Requirements
Digital Badge & Certificate of Completion
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Presented within a media-rich, interactive design, Harvard ManageMentor® 10 features more than 40 modules with practical advice, downloadable tools, and time-saving tips on key management topics to help managers build skills quickly for an immediate impact on performance. More than two million managers around the world rely on Harvard ManageMentor® and its high-quality management content drawn from foremost practitioners, renowned experts, and business leaders.
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Any Drain, Any Time, Any Place...Massachusetts...to fit your schedule!
Servicing MA: Barnstable, Bourne, Brewster, Chatham, Cotuit, Dennis, Eastham, Falmouth, Harwich, Hyannis, Marstons Mills, Mashpee, Orleans, Provincetown, Sandwich, Truro, Wellfleet, Yarmouth
Do you have a clogged drain in Osterville, MA? Rooter-Man has years of experience unclogging all kinds of drains. Our field technicians are the best choice when you need reliable emergency clogged drain service. We are available to assist you 7 days a week and our skilled technicians are qualified to perform all types of plumbing repairs and other services in homes, condos, and commercial buildings.
Cape Cod Rooter-Man provides residential drain cleaning services in Osterville and the surrounding areas. Our Osterville drain cleaning specialists unclog floor drains, shower drains, sink drains, and tub drains, clearing tough blockages quickly and easily. We can make your drain work like it should quickly and effectively.
Schedule Service
Have you ever flushed a toilet and had it overflow onto the floor, take a shower in a foot of standing water, or worse yet, have what you flush down the toilet come up another drain? If you said yes to any of these, you are not alone. These types of plumbing problems are all associated with a clogged drain line.
At Cape Cod Rooter-Man we have helped numerous Osterville homeowners by unclogging drains with our professional grade drain cleaners and specialized drain clearing equipment. Using the most up-to-date equipment in the plumbing industry, our Osterville drain cleaning specialist are able to unclog toilets, main sewer lines, kitchen sinks, kitchen drains, bathtubs, bathroom drains, showers, floor drains, downspouts, and any other pipe or plumbing fixture in your home that may be clogged. We not only get results, but also give you answers to why your drain clogged in the first place, and how to prevent it from happening in the future.
Many homeowners don't realize that a clogged drain in one part of the house can cause problems for all the drains because the entire plumbing system is connected. Clogged drains can also be an indicator of deeper plumbing problems, such as tree roots that are clogging and breaking sewer lines. If you are experiencing problems with any of the drains in your home, contact your Osterville clogged drain specialist, Cape Cod Rooter-Man, to schedule an in-home consultation and drain cleaning service to get everything sorted out and flowing again properly.
Save on our services by using one of our generous Coupons.
Learn More


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26:1 And the Ziphites came unto Saul to Gibeah, saying, Doth not David hide himself in the hill of Hachilah, which is before Jeshimon?
26:2 Then Saul arose, and went down to the wilderness of Ziph, having three thousand chosen men of Israel with him, to seek David in the wilderness of Ziph.
26:3 And Saul pitched in the hill of Hachilah, which is before Jeshimon, by the way. But David abode in the wilderness, and he saw that Saul came after him into the wilderness.
26:4 David therefore sent out spies, and understood that Saul was come in very deed.
26:5 And David arose, and came to the place where Saul had pitched: and David beheld the place where Saul lay, and Abner the son of Ner, the captain of his host: and Saul lay in the trench, and the people pitched round about him.
26:6 Then answered David and said to Ahimelech the Hittite, and to Abishai the son of Zeruiah, brother to Joab, saying, Who will go down with me to Saul to the camp? And Abishai said, I will go down with thee.
26:7 So David and Abishai came to the people by night: and, behold, Saul lay sleeping within the trench, and his spear stuck in the ground at his bolster: but Abner and the people lay round about him.
26:8 Then said Abishai to David, God hath delivered thine enemy into thine hand this day: now therefore let me smite him, I pray thee, with the spear even to the earth at once, and I will not smite him the second time.
26:9 And David said to Abishai, Destroy him not: for who can stretch forth his hand against the LORD's anointed, and be guiltless?
26:10 David said furthermore, As the LORD liveth, the LORD shall smite him; or his day shall come to die; or he shall descend into battle, and perish.
26:11 The LORD forbid that I should stretch forth mine hand against the LORD's anointed: but, I pray thee, take thou now the spear that is at his bolster, and the cruse of water, and let us go.
26:12 So David took the spear and the cruse of water from Saul's bolster; and they gat them away, and no man saw it, nor knew it, neither awaked: for they were all asleep; because a deep sleep from the LORD was fallen upon them.
26:13 Then David went over to the other side, and stood on the top of an hill afar off; a great space being between them:
26:14 And David cried to the people, and to Abner the son of Ner, saying, Answerest thou not, Abner? Then Abner answered and said, Who art thou that criest to the king?
26:15 And David said to Abner, Art not thou a valiant man? and who is like to thee in Israel? wherefore then hast thou not kept thy lord the king? for there came one of the people in to destroy the king thy lord.
26:16 This thing is not good that thou hast done. As the LORD liveth, ye are worthy to die, because ye have not kept your master, the LORD's anointed. And now see where the king's spear is, and the cruse of water that was at his bolster.
26:17 And Saul knew David's voice, and said, Is this thy voice, my son David? And David said, It is my voice, my lord, O king.
26:18 And he said, Wherefore doth my lord thus pursue after his servant? for what have I done? or what evil is in mine hand?
26:19 Now therefore, I pray thee, let my lord the king hear the words of his servant. If the LORD have stirred thee up against me, let him accept an offering: but if they be the children of men, cursed be they before the LORD; for they have driven me out this day from abiding in the inheritance of the LORD, saying, Go, serve other gods.
26:20 Now therefore, let not my blood fall to the earth before the face of the LORD: for the king of Israel is come out to seek a flea, as when one doth hunt a partridge in the mountains.
26:21 Then said Saul, I have sinned: return, my son David: for I will no more do thee harm, because my soul was precious in thine eyes this day: behold, I have played the fool, and have erred exceedingly.
26:22 And David answered and said, Behold the king's spear! and let one of the young men come over and fetch it.
26:23 The LORD render to every man his righteousness and his faithfulness; for the LORD delivered thee into my hand to day, but I would not stretch forth mine hand against the LORD's anointed.
26:24 And, behold, as thy life was much set by this day in mine eyes, so let my life be much set by in the eyes of the LORD, and let him deliver me out of all tribulation.
26:25 Then Saul said to David, Blessed be thou, my son David: thou shalt both do great things, and also shalt still prevail. So David went on his way, and Saul returned to his place.
Created with FREE HTMLCompiler by BibleDatabase


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Sinaya is a female first name.
Recently, the name Sinaya has been given only a handful of times a year and is therefore particularly rare, at least in the US. In recent years, not even one girl in 100,000 has been named Sinaya. That means that a girl named Sinaya is exceptional and may not meet another person with the same name her whole life.
Well, you might say, you probably figured that out yourself! But what you might not know is: The letter S is a very popular first letter for girls' names. That's because 9.3% of all common girls' names in the US begin with this letter. Only the first letter A is more common for girls' names.
With six letters, the name Sinaya is of average length. In fact, 28% of all common first names in the US consist of exactly six letters. 24% of all first names are shorter, while 48% have seven letters or more. On average, first names in the US (not counting hyphenated names) are 6.5 letters long. There are no significant differences between boys' and girls' names.
That means that if 9.3% of all girls' names start with an S, this initial letter occurs nearly three times as often as all other letters on average. And by the way: Of all the girls' names that start with an S, Susan is the most common.
If your name is Sinaya and someone asks after your name, you can of course just tell them what it is. But sometimes that isn't so easy - what if it's too loud, and you don't understand them well? Or what if the other person is so far away that you can see them but not hear them? In these situations, you can communicate your name in so many other ways: you call spell it, sign it, or even use a flag to wave it...
So that everyone really understands you when you have to spell the name Sinaya, you can simply say:
Braille is made up of dots, which the blind and visually impaired can feel to read words.
Just use American Sign Language!
These flags are used for maritime communication - each flag represents a letter.
In the navy, sailors of two ships might wave flags to each other to send messages. A sailor holds two flags in specific positions to represent different letters.
In Morse code, letters and other characters are represented only by a series of short and long tones. For example, a short tone followed by a long tone stands for the letter A. Sinaya sounds like this:


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I awaken from a deep sleep.
Where am I?
Slowly I realize where I am.
I am in my bed. I am in my bedroom. I am in my house.
I feel fear. I feel anxiety. I feel afraid.
I begin my morning. I make my oatmeal. I pour my juice.
Meal chant. Breathe. Eat oatmeal. Drink juice.
My house is so messy! How can I tackle so many chores?
I feel stresesd. I feel overwhelmed. I feel disatisfied.
Sitting. Not trying to let go. Going. Gone.
Fold laundry. Wash dishes. Watch Sesame Street (with kids).
Here. Now.
No I. No my.
Here. Now.


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OpArt Lofts is a new condo and townhouse project by Neilas Inc. currently in preconstruction at 60 Shepherd Rd in Oakville. Available condos/townhouses start in the mid $200,000's. The project has a total of 188 units.
Designed by Governor General Award winning architect, Stephen Teeple, OpArt Lofts stimulates the imagination of the real estate industry by breaking the mould of the glass city tower. Offering a provocative first impression, OpArt's two ten-storey towers atop a podium playfully appear as random bubbles of Swiss cheese. With a closer look, Teeple's bold architectural move replaces the traditional curtain wall with a pre-cast envelope featuring perforations of various sizes in a seemingly random pattern. Stained in bright white, OpArt's jigsaw facade cleans up a rugged footprint in a former industrial site at the top of Kerr Village and becomes the catalyst for Oakville's revitalization plan for this historic area.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA.
JDL Realty Inc., Brokerage, Independently Owned & Operated


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Mom Heart Tattoo Kids Tee
My kids first tattoo will be a heart that says mom and I am here for it.
Our handmade, customizable kids shirts are the perfect piece to add to their fun wardrobe. From birthday tees to faith based shirts and funny phrasing your rad littles with love.
Shop our online boutique Spill the Beans Etc for the best baby clothes, mom tees, breastfeeding shirts and funny coffee tees around. Tees are handmade with love, plus free shipping on orders over $75.
Shirts run slightly on the smaller side, please consider sizing up for longer wear. All shirts are made to order unless noted otherwise. Colors on screens may appear differently in person. If you would like a specific design color please leave your request in the notes at checkout, otherwise I will choose for you.


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Regular price
Delivery Notice:
For shipping and delivery efficiency, we highly recommend all orders over 100 USD use street address other than P.O Box for package delivery as we can arrange more delivery option methods such like UPS, FedEx, SF Expedited Express etc. for non PO Box address.
(P.O. Box is for USPS service only).
For more assistance please contact: firstname.lastname@example.com
IMPORTANT DELIVERY NOTICE:Dear Customers, due to the SPRING FESTIVAL vacation (From Feb.11, 2021 to Feb 15) all of our Chinese associates will have time off and the all of delivery services in China will stop collect/transit parcels during these days. Therefore the delivery time for the orders during this time would be slightly delayed.We do appreciate your understanding and apologize for the inconvenience.In the most special time of this year for Fengshui Culture, we wish you good health, successful career and happy family union and best of luck!
1,How do you ship?
We use a mixture of various courier services to ship your order depending on your exact location so that we can achieve the optimal speed to make sure you receive your packages quickly and safely.
2,What is price of shipping
We do offer worldwide Free Shipping
3,How long will my order take to be delivered?
The shipping time depend on your exact location. However, it usually takes only 10
-15 business days for shipping within the US and 10-20 business days for international shipping.
4,When will my tracking information appear?
You should see tracking events within 48-72 hours after you have received the tracking number/ID. The reason for this time lag is that the courier services do take some time to update the status of the order.
5,why i can`t tract my order in your website?
Please note that the tracking information will be displayed after 2-5 days after being updated.
For the first time, it may take a few minutes to get the information from the carrier. Therefore, sometimes you can not find information about your package, please track again later.
6,why is my shippment status unchanged?
Your shipment may be delayed. Delivery time delays can be due to e.g. weather incidents, customs or backlogs. Please note that tracking information can be displayed after your order started being shipped. However, please rest assured that your order will be delivered to you.
The fox symbol is also associated with playfulness, protection, and intelligence.


text:
Green tourmaline bracelet
Bracelet composed of green Tourmalines and 18 carat gold plated beads.
Semi-precious stones: Tourmaline
Beads and finishes: 18 carat gold plated (3 microns)
Cord: 100% polyester
Return & Exchange Policy
VIVA VIDA accepts returns and exchanges within 7 days of receiving your order. All items must be in original condition with all tags attached and in original packaging. Shipping fees are non-refundable.
Once your items are returned, VIVA VIDA will issue a full refund for your items and applied taxes. Any items that are damaged will not be accepted for return or exchange, and it will be the responsibility of the buyer to pay additional shipping rates to received your damaged returns. To avoid damages during shipment, we recommend using an insured carrier such as UPS or FedEx.
For purchases made at our in-person pop-ups, returns will be accepted for store credit only up to 10 days after your purchase was made. All items must be in original condition with all tags attached, in original packaging, and accompanied by a receipt.
For questions regarding a refund or exchange, please email us at firstname.lastname@example.com.
For purchases of $75 or more, VIVA VIDA offers free domestic ground shipping. Additional fees may apply for orders placed for 2-day shipping, next day shipping, or international shipping.
VIVA VIDA supports shipping merchandise through USPS, UPS, and FedEx.
Shipping rates for your order will be calculated automatically during checkout.


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Ribena Cupcakes from last week. I love jam in cakes so much, it keeps them moist and gives it a nice burst of flavour. And it worked great since it was purple too. I used my favourite icing, the simple salted butter icing that I can't stop using recently. I originally was planning to do a crazy bright purple icing but decided to keep it simple and white, to give you the surprise of the bright colour when you cut into the cake. It works so well, as learnt from the epic Whisk Kid rainbow cake that is burned into my memory as the best cake ever. Originally I wanted to cover the entire cake in chocolate freckles because I recently rediscovered my love for them. But when I started to cover the cake in the freckles I realised the cake looked pretty damn ugly, like it was covered in festering warts. Lovely, I know. So I went into full panic mode and ripped off all the freckles and started slapping rainbow sprinkles all over the cake to cover up the mess I'd made. Sprinkles EVERYWHERE. I even found a sprinkle in my belly button when getting changed later. It was a mess, but my cake ended up looking like one giant freckle and that is kinda awesome. It reminded me of this amazing cake from Sprinkle Bakes. And check out the stunning Vanilla Malt Sprinkle Bark Cake Lisa made me! Sprinkles make everything better.
(makes one round 18cm 5-layer cake, yellow cake recipe adapted from Le Cordon Bleu Complete Cooking Step-by-Step)
For the cake:
355g plain flour
1 tbsp baking powder
1/2 tsp salt
225ml milk
2 tsp vanilla extract (I used 1 tsp extract and 1 tsp vanilla bean paste)
400g caster sugar
225g unsalted butter, softened
4 medium eggs
Purple food colour (I used Wilton violet gel colouring)
Jam to spread between layers, I used blackcurrant jam but you could use grape or strawberry, or double the amount of icing and use that
For the icing:
500g icing sugar sifted (easiest way to sift is by pulsing in a food processor)
275g salted butter (about 2.5 sticks)
Extra table salt to taste
Optional: sprinkles to decorate
Preheat oven to 180°C (350°F) and grease whatever 18cm round cake tins you have (I only had one so I had to bake each cake one after the other). If you only have 20cm cake tins I'd recommend splitting the batter into only 4 layers instead of 5. Line the base of tins with baking paper and grease paper and dust tins with flour. Combine flour, baking powder and salt in a medium bowl and set aside. Mix milk and vanilla together in a measuring jug.
Using an electric mixer on low speed, beat sugar and butter in a large bowl until blended. Increase speed to high and beat for 2 mins or until pale and creamy. Reduce speed to medium low, add eggs 1 at a time, beating well after each addition. Alternately add flour mix and milk mixture, beginning and ending with flour mixture (I did it by adding 1/4 of of the dry mixture followed by 1/3 of the wet mixture at a time). Beat until smooth, occasionaly scraping bowl with a spatula. Divide mixture evenly into 5 medium bowls (I did this by measure the batter, it ended up being about 300g per bowl for me). Leave one bowl of batter white, then very gradually add colouring to each bowl and gently fold it into the mixture, adding slightly more colouring as you do each bowl so that the 5 bowls give you a even gradient of colour.
Prepare cake for icing, you may need to trim the tops a bit to make sure they are level. Layer cakes with jam (or more icing). Crumb coat the cake with some of the prepared icing and chill for 15 mins. Cover the cake with more icing, smoothing out with a spatula (I use an offset spatula that I keep clean and warm by running under hot water to get it smoother). If decorating with sprinkles, it can get pretty messy so place your cake in a large container that will catch any of the sprinkles that will run off the cake as you try to stick them on the sides of the cake. Serve cake at room temperature, store cake in the fridge in an airtight container.


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Why it's important to select the correct vehicle and tyre size
There are a surprising number of vehicles that cannot use traditional snowchains, the types that put chain on the inside of the wheel as well as on the tread. This is usually because there is not enough space between the wheels and the shock absorbers; this can be a problem for ordinary SUVs and 4x4s as well as for high performance cars.
You will find this important information in your car handbook - please check this before using your snowchains! Our database is intended to do the basic work for you but, with so many new vehicles and tyre sizes, it should only ever be treated as a guide.
Tyre size
Please also check your tyre size - if you buy incorrectly-sized chains they will be either too tight or too loose.
Ladder track chains
The good news is that car handbooks usually only refer to "traditional snowchains". Ladder track chains such as the Polaire GRIP and Spikes-Spider range only put chain over the tyre tread, so are not subject to these restrictions. They are also ideal for use on rear wheel drives where there is minimal space between the top of the wheel and the wheel arch.
Magnetic ski and snowboard carriers
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Financial Institution Letters
June 10, 2019
Regulatory Relief
Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Oklahoma Affected by Severe Winter Storms, Straight-line winds, and Tornadoes
Printable Format:
The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Oklahoma affected by severe winter storms, straight-line winds, and tornadoes.
Statement of Applicability to Institutions with Total Assets under $1 Billion: This Financial Institution Letter applies to all FDIC-supervised financial institutions.
- Severe winter storms, straight-line winds, and tornadoes caused significant property damage in areas of Oklahoma from May 7, 2019, and continuing.
- A federal disaster for selected areas in Oklahoma was declared on June 2, 2019. Additional designations may be made after damage assessments are completed in the affected areas. A current list of designated areas is available at www.fema.gov.
- The FDIC is encouraging banks to work constructively with borrowers experiencing difficulties beyond their control because of damage caused by the severe weather.
- Extending repayment terms, restructuring existing loans, or easing terms for new loans, if done in a manner consistent with sound banking practices, can contribute to the health of the local community and serve the long-term interests of the lending institution.
- Banks may receive favorable Community Reinvestment Act (CRA) consideration for community development loans, investments, and services in support of disaster recovery.
- The FDIC also will consider regulatory relief from certain filing and publishing requirements.
Continuation of FIL-30-2019
Suggested Distribution:
- FDIC-Supervised Institutions in Oklahoma
Suggested Routing:
- Chief Executive Officer
- Compliance Officer
- Chief Lending Officer
Related Topics:
- Lending
- Investments
- Publishing Requirements
- Consumer Laws
- Community Reinvestment Act
- Assistant Regional Director Joseph Meade at (972) 761-2068 or email@example.com
FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's website at www.fdic.gov/news/news/financial/index.html.
To receive FILs electronically, please visit www.fdic.gov/about/subscriptions/fil.html.
Paper copies may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200).
June 10, 2019
Supervisory Practices Regarding Depository Institutions and Borrowers Affected by Severe Winter Storms, Straight-line winds, and Tornadoes in Areas of Oklahoma
The Federal Deposit Insurance Corporation (FDIC) recognizes the serious impact of severe weather on customers and operations of financial institutions in Oklahoma and will provide regulatory assistance to institutions subject to its supervision. These initiatives will provide regulatory relief and facilitate recovery. The FDIC encourages depository institutions in the affected areas to meet the financial services needs of their communities.
The affected areas in Oklahoma are Muskogee, Tulsa, and Wagoner counties.
Lending: Bankers should work constructively with borrowers in communities affected by the severe weather. The FDIC realizes the effects of natural disasters on local businesses and individuals are often transitory, and prudent efforts to adjust or alter terms on existing loans in affected areas should not be subject to examiner criticism. In supervising institutions affected by the severe weather, the FDIC will consider the unusual circumstances they face. The FDIC recognizes that efforts to work with borrowers in communities under stress can be consistent with safe-and-sound banking practices as well as in the public interest.1
Community Reinvestment Act (CRA): Financial institutions may receive CRA consideration for community development loans, investments, or services that revitalize or stabilize federally designated disaster areas in their assessment areas or in the states or regions that include their assessment areas. For additional information, institutions should review the Interagency Questions and Answers Regarding Community Reinvestment at https://www.ffiec.gov/cra/pdf/2010-4903.pdf at Section 12(g)(4)(ii). For help in identifying community development activities to revitalize or stabilize a disaster area, financial institutions can contact their regional Community Affairs Officer (see www.fdic.gov/consumers/community/offices.html).
Investments: Bankers should monitor municipal securities and loans affected by the severe weather. The FDIC realizes local government projects may be negatively affected. Appropriate monitoring and prudent efforts to stabilize such investments are encouraged.
Reporting Requirements: FDIC-supervised institutions affected by the severe weather should notify the Dallas Regional Office if they expect a delay in filing Reports of Income and Condition or other reports. The FDIC will evaluate any causes beyond the control of a reporting institution when considering the length of an acceptable delay.
Publishing Requirements: The FDIC understands the damage caused by the severe weather may affect compliance with publishing and other requirements for branch closings, relocations, and temporary facilities under various laws and regulations. Banks experiencing disaster-related difficulties in complying with any publishing or other requirements should contact the Dallas Regional Office.
Consumer Laws: For consumers' principal dwelling-secured loans, Regulation Z provides consumers an option to waive or modify the three-day rescission period when a "bona fide personal financial emergency" exists. To exercise this option, the consumer must provide the lender with a statement describing the emergency in accordance with the regulation.
Temporary Banking Facilities: The Dallas Regional Office will expedite any request to operate temporary banking facilities by an institution whose offices have been damaged or that desires to provide more convenient availability of services to those affected by severe weather. In most cases, a telephone notice to the FDIC will suffice initially. Necessary written notification can be submitted later.
1 Modifications of existing loans should be evaluated individually to determine whether they represent troubled debt restructurings (TDRs). This evaluation should be based on the facts and circumstances of each borrower and loan, which requires judgment, as not all modifications are TDRs.


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Detailed view based on your applied selections above
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Media Weighs Competition, Collaboration In Snowden Coverage
From NPR News, this is ALL THINGS CONSIDERED. I'm Audie Cornish.
And I'm Robert Siegel. News organizations pursuing the secrets leaked by former NSA contractor Edward Snowden have seesawed between rivalry and collaboration, resentment and achievement. As NPR's David Folkenflik reports, each outlet sought to tame a story larger than any of them.
DAVID FOLKENFLIK, BYLINE: Back in the spring, Edward Snowden contacted documentary filmmaker Laura Poitras. Her work on the consequences of the war on terror caught his eye. But Poitras needed help in assessing Snowden's credibility and asked for it from Bart Gellman, a former Washington Post reporter with expertise in national security matters. Gellman recalls trying to wrap his mind around what he was hearing, all the incredible secrets Snowden was promising.
BART GELLMAN: I was fundamentally trying to find out: Is this a crank or a put-up job or a trap or a pretender, or is it the real thing? And that took quite a bit of time.
FOLKENFLIK: He was the real thing. Gellman returned to The Post - on contract - to report and write stories showing the scope of the NSA's ambitions and reach. But Snowden appears to have wanted to make sure his message got out. Through Poitras, he reached out to Glenn Greenwald as well. Greenwald is an acerbic liberal columnist for The Guardian U.S., an American online offshoot of the British newspaper, The Guardian.
GLENN GREENWALD: There are a lot of unwritten rules that govern how U.S.-established media outlets report on the secret conduct of the U.S. government. And these rules are basically designed to neuter the reporting and to minimize its impact and to enable the government to control how the journalism proceeds.
FOLKENFLIK: Greenwald had been a lawyer and outspoken critic of Presidents Bush and Obama on civil liberties before joining The Guardian. Here, he was being cast in a reporter's role. Greenwald spoke to NPR from Brazil where he lives.
GREENWALD: I set out purposely to violate those rules, to ignore them, to break them. And so I knew that the way I was going to report it was going to be more aggressive, more defiant, more rapid, more frequent than is typically done.
FOLKENFLIK: Guardian editor-in-chief Alan Rusbridger assigned staff reporters to work with Greenwald, but he was leading the paper on tricky terrain. Greenwald was a columnist on contract, not an employee, and he felt he had acquired the documents personally. Yet, The Guardian has vigorously pursued the story, and Greenwald expresses disdain for his rivals, saying that Washington Post is too deferential to authority. The Post's Gellman refused to return fire but pointed instead to his own continuing scoops.
GELLMAN: I hadn't been there in three years. And they have a new editor who didn't know me, and I didn't know him. But I never had the slightest hesitation from them about whether they wanted to do the story and wanted me to do the reporting.
FOLKENFLIK: U.S. authorities have charged Snowden with espionage. And over the summer, British officials suddenly demanded The Guardian turn over hard drives containing highly classified materials that Snowden had directly given to the paper.
ALAN RUSBRIDGER: Well, I didn't think that we had Snowden's consent to hand the material back. And I didn't want to help the U.K. authorities know what he had given us.
FOLKENFLIK: Here, Rusbridger spoke in a video posted by The Guardian.
RUSBRIDGER: I was happy to destroy it because it was not going to inhibit our reporting. We would simply do it from America and not from London.
FOLKENFLIK: Rusbridger explicitly cited First Amendment protections in the U.S. to say the material would be safe in America. British and American intelligence agencies had worked in concert, so would the journalists. Rusbridger invited the investigative outfit ProPublica on board, and then turned to a storied paper that have been playing catch-up since June, The New York Times. Jill Abramson is the paper's executive editor.
JILL ABRAMSON: And it was a kind of thing we kind of sort of knew about, but not really. And this was serious documentation of a level of intelligence-gathering activities that I think surprised me and surprised large segments of the public too.
FOLKENFLIK: The Times and The Guardian had collaborated in the past, yet as it happens, The Times was the one paper that Snowden had announced he did not trust. He pointed to fall 2004 when the paper held a story on the NSA after being asked by the White House not to go to print. Abramson says readers should take heart that 14 months later...
ABRAMSON: The Times, under great pressure from back then the Bush administration, did go ahead and publish our story revealing in that case warrantless eavesdropping.
FOLKENFLIK: With The Guardian and ProPublica, The Times just reported that the NSA had secretly trumped protections to secure access to encrypted emails, international phone calls and Web chats. The collaboration stirred some resentments inside The Guardian newsroom over giving away an exclusive. But by having an American partner, even one that Snowden didn't trust, The Guardian could demonstrate to British authorities that the story was beyond their control. David Folkenflik, NPR News, New York. Transcript provided by NPR, Copyright NPR.