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Welcome to the Foodies, our annual celebration of the Central Florida dining scene. It's a smorgasbord that features quick serve to haute cuisine and everything in between. In Calendar and in Sunday's Travel & Arts, I weigh in weekly with my opinion about local restaurants. The Foodies are your turn to tout your favorite restaurants from Volusia to Osceola counties. I have noted my picks, too, but yours lead the charge in this annual dinner party showcasing the best in local cafes, bistros and posh rooms.
There are two new categories this year: Best theme-park restaurant and best hotel restaurant. Dining beyond the turnstiles has made bold improvements during the last two decades, and local luxury resorts are offering travelers and locals stellar dining options.
The year ahead is exciting, Fish N Loaves, a wonderful soul-food restaurant I reviewed in 2010, is moving into Johnson's Diner's old digs. Amway Center is pumping up business in downtown Orlando. I can't wait to see what restaurateur Manny Garcia and his partners have in mind for City Fire in the Dellagio complex off Orlando's Restaurant Row. Many of you are just discovering newbies such as Napa at the Peabody Hotel, Spencer's at the Hilton Orlando and The Boathouse in Winter Park. And while we have had many closings, restaurants and independent bakeries are thriving in Orange, Seminole, Lake, Osceola and Volusia counties.
Here's your toast to the best of 2010.
Food editor Heather McPherson can be reached at firstname.lastname@example.com and 407-420-5498.
Boma — Flavors of Africa
Disney's Animal Kingdom Lodge, 407-939-3463
Jiko — The Cooking Place (Disney's Animal Kingdom Lodge); Nile Ethiopian (Orlando)
Critic's choice: Mama Nem's
805 S. Kirkman Road, Orlando; 407-253-7744
It's about time for an overhaul of this category's focus. Soul food and Caribbean should have their own categories to better reflect the diversity of Central Florida in 2011.
Bar Louie
7335 W. Sand Lake Road, Orlando, 407-608-5190
Lucky Pig Lounge, inside Bubbalou's Bodacious BBQ at UCF; Blue Martini (Orlando)
Critic's choice: Eden Bar at the Enzian Theater
1300 S. Orlando Ave., Maitland; 407-629-0054
We choose favorite bars for various reasons: location, sentimentality, the bartenders, etc. I like the vibe at Eden Bar. It sits far enough off Orlando Avenue to provide an outdoor haven for cocktails. The bartenders are personable and the from-scratch bloody marys are wonderful.
Four Rivers Smokehouse
2103 W. Fairbanks Ave., Winter Park; 321-972-4398; 4rsmokehouse.com
Sonny's (various locations); Smokey Bones Bar & Fire Grill (various locations)
Critic's choice: Harry & Larry's Bar-B-Que
54 W. Plant St., Winter Garden; 407-614-5950; harryandlarrys.com
I love Four Rivers Smokehouse, but this year I'm giving the critic's nod to the great little place put together by sisters Ashlee Grimes and Katie Grimes in west Orange County. There's no scrimping on the pulled pig here and don't miss the St. Louis-style ribs. When Four Rivers opens in Winter Garden this year, the town will be a smokin' mecca.
First Watch
Various locations including 249 W. S.R. 436 (Ethan Allen Plaza), Altamonte Springs; 407-682-2315; firstwatch.com
Keke's (Orlando and Winter Park); Peach Valley Café (Orlando, Heathrow and Ormond Beach)
Critic's choice: The Old Spanish Sugar Mill and Griddle House
601 Ponce Deleon Blvd., at DeLeon Springs State Park, DeLeon Springs; 386-985-5644 (the restaurant) or 386-985-4212 (the park).
This is a tough category because there are so many choices. I believe most people eat breakfast close to home, especially on weekends. In Central Florida, that could be one of the many mom and pop diners or chains. This year I'm sharing my favorite breakfast adventure. There is nothing like flipping the pancakes made from stone-ground flour and enjoying a taste of real Florida.
Three locations including 808 E. Washington St. (Thornton Park) in Orlando; 407-648-2777; dexwine.com
First Watch; Villa de Flora (Gaylord Palms Resort & Convention Center, Kissimmee)
Critic's choice: Hue
629 E. Central Blvd, Orlando; 407-849-1800; huerestaurant.com
I must mention that I adore La Coquina at the Hyatt Grand Cypress for the pure "wow" factor. But sometimes the brunch girls just want to have fun and great food. Hue has a great downtown setting and a disco brunch that features a great soundtrack on the third Sunday of every month.
Sweet Tomatoes
Various locations including 4678 E. Colonial Drive, Orlando; 407-896-8770; souplantation.com
Golden Corral (various locations); Villa de Flora (Gaylord Palms Resort & Convention Center, Kissimmee)
Critic's choice: Texas de Brazil
5259 International Drive, Orlando; 407-355-0355; texasdebrazil.com
We are all over the place with price point and ambience. I'm sticking with Texas de Brazil because it takes the concept to a luxurious, fine-dining level.
Five Guys
Various locations including 4821 New Broad St. (Baldwin Park Town Center), Orlando; 407-219-3366; fiveguys.com
Johnny's Fillin' Station (Orlando); Graffiti Junktion (Orlando's Thornton Park and College Park); Hamburger Mary's (Orlando)
Critic's choice: Breakers
518 Flagler Ave., New Smyrna Beach; 386-428-2019
It's hard to beat the Breakers' thick, juicy burgers, and, of course, the beach bar vibe. If you think the daytime view is nice, stop by when there's a full moon for a real treat.
Seasons 52
Two locations including 7700 Sand Lake Road (Plaza Venezia) Orlando, 407-354-5212; seasons52.com
Olive Garden; Outback (both various locations)
Critic's choice: The Columbia
649 Front St., Celebration; 407-566-1505; columbiarestaurant.com
I am sticking with last year's choice for sense of place. The Columbia, one of Nation's Restaurant News' top 50 iconic eateries in the United States, was founded in 1905, making the Columbia the oldest restaurant in Florida. Now that's a sturdy chain.
Imperial Dynasty
2045 W. S.R. 434, Longwood; 407-786-2266; imperialdynasty.com
P.F. Changs (Winter Park and Orlando); Pei Wei Asian Diner (various locations)
Critic's choice: Eastern Pearl
478 E. Altamonte Drive, Altamonte Springs, 407-339-8877; and 5749 T.G. Lee Blvd., Orlando; 407-373-6888; easternpearlrestaurant.com
Eastern Pearl is a gem among Orlando restaurants: authentic, consistent and never pretentious.
Black Bean Deli
325 S. Orlando Ave. Winter Park; 407-628-0294; myspace.com/blackbeandeli
Rolando's (Casselberry); Troy's Cuban Deli (Clermont)
Critic's choice: Padrino's
13586 Village Park Drive, Suite 304, Orlando (in The Village at Hunter's Creek off John Young Parkway at State Road 417); 407-251-5107; PadrinosBistro.com
Padrino's, a family owned Florida chain, is the new standard for Cuban food in Orlando. From the kitchen to the waitstaff, this restaurant at Hunter's Creek is practically a perfect package. The location is not too big and it's not too small. The menu is reasonably priced, and the chef sends plates out with exquisite care.
Le Coq au Vin
4800 S. Orange Ave., Orlando; 407-851-6980; lecoqauvinrestaurant.com
Chez Vincent (Winter Park); Chefs des France (Epcot's France Pavilion, Lake Buena Vista)
Critic's choice: Café de France
526 S. Park Ave., Winter Park; 407-647-1869; lecafedefrance.com
The Café de France is too good to be taken for granted. Unfortunately that's how we have lost many Central Florida classics.
Hollerbach's Willow Tree Café
205 E. 1st St., Sanford, in the downtown historic district; 407-321-2204; WillowTreeCafe.com
Chef Henry's (Longwood); Biergarten Restaurant (Epcot's German pavilion, Lake Buena Vista); Bauren-Stube (Orlando)
Critic's choice: Hollerbach's Willow Tree Café
Since late 2001, Theo Hollerbach and his family have built a loyal following of hungry revelers looking for authentic food at a fair price.
Taverna Opa
9101 International Drive, Suite 2240, Orlando; 407-351-8660; opaorlando.com
The Greek Corner and Greek Flame Taverna (both Orlando); Mayerion Mykonos (Longwood)
Critic's choice: Greek Flame Taverna
7600 Dr. Phillips Blvd., Orlando, in the Marketplace at Dr. Phillips; 407-370-4624; Greekflametaverna.com
Maria Chrissanthidis and her family have launched its second decade at a new address off Sand Lake Road in south Orlando that is just as busy as the old State Road 436 location. The new menu is more streamlined, a change befitting the new sleeker, upscale location.
Hotel restaurant
The Venetian Room at the Caribe Royal
8101 World Center Drive, Orlando; 407-238-8060; thevenetianroom.com
The Boheme at the Grand Bohemian Hotel (Orlando); Old Hickory (Gaylord Palms Resort & Convention Center, Kissimmee)
Critic's choice: La Luce by Donna Scala
Hilton Orlando Bonnet Creek, 14100 Bonnet Creek Resort Lane; 407-597-3600; laluceorlando.com
Luce means light in Italian, and the dining room is awash with sun early in the evening and comes alive with nicely placed lighting as the evening progresses. One fixture is a stunning long luminary that is artfully reminiscent of dried pasta. An open kitchen and hearth oven lets guests watch the culinary team in action, and the eclectic artwork completes the upscale-casual tone. From the antipasti to the butterscotch toffee, the menu is superbly orchestrated.
Ice cream
Jeremiah's Italian Ice
Three locations including 111 S. Orlando Ave., Maitland; 407-599-9991; jeremiahsice.com
Cold Stone Creamery and Bruster's (both various locations)
Critic's choice: Rodeo Whip
1250 S. Woodland Blvd., DeLand; 386-738-1389
This year's pick is a tribute to the time-tested independents that have served ice cream to generations of Central Floridians. My runners-up are Goff's Drive In (Orlando), Little Dairy Manor (Forest City) and Frozen Gold Ice Cream Shop (New Smyrna Beach).
Memories of India
7625 Turkey Lake Road, Orlando, 407-370-3277, and 3895 Lake Emma Road (Shoppes of Lake Emma), Lake Mary; 407-804-0920; memoriesofindiacuisine.com
Kohinoor (Altamonte Springs); Woodland's Indian Cuisine (Orlando)
Critic's Choice: Memories of India II
3895 Lake Emma Road, Lake Mary; 407-804-0920; memoriesofindiacuisine.com
With Memories of India II, the Orlando restaurant branched out to Lake Mary several years ago. And while the Seminole County spot is less refined than its sister restaurant, the same passion for good food is evident. The main room has harsh lighting while the second room is subdued enough to add warmth without leaving diners in the dark. But once the food arrives, really, who cares about the décor?
Olive Garden
Various locations including 2495 S. U.S. Highway 27, Clermont; 352-242-0582; olivegarden.com
Carrabba's Italian Grill (various locations); Antonio's La Fiamma Ristorante (Celebration, Maitland and Orlando); Stefano's Italian Grille (Windermere)
Critic's choice: Antonio's La Fiamma Ristorante
611 S. Orlando Ave., Maitland; 407-645-5523; antoniosonline.com
I am a fan of all the Antonio's locations, but the Maitland location is shining especially bright these days. With talented executive chef Scott Copeland at the helm and new expansion, Antonio's in Maitland continues to set standards for great food and exceptional service.
Kobe Japanese Steakhouse & Sushi Bar
Several locations including 11609 E. Colonial Drive, Orlando; 407-862-6099; kobesteakhouse.com
Amura (Orlando, Lake Mary/Heathrow; Fuji Sushi (Winter Park)
Critic's choice: Shin Japanese Cuisine
803 N. Orange Ave, Orlando (downtown); 407-648-8000; shinsushi.com
We're all passionate about our picks. For me, Shin's authentic menu offers a good range for diverse tastes and budgets.
Korea House
1155 W. S.R. 434, Longwood; 407-767-5918
Shin Jung (Orlando); Seoul Gardens (Maitland)
Critic's choice: Bee Won
5100 Dr. Phillips Blvd., Orlando (in the shopping plaza at Conroy-Windermere Road); 407-601-7788
Korean cuisine is an exciting meld of flavors and aromas. Preparations and dining styles vary among regions but there are dishes that have come to define Korean cookery. Menus can intimidate newcomers, but at Bee Won the service is helpful and exceptional.
Late night
Bananas — Modern American Diner
924 N. Mills Ave., Orlando (in the Mills 50 district between Weber and Marks streets); 407-480-2200; bananasdiner.com
Runner's up:
Taco Bell; Denny's (both various locations)
Critic's choice: Bananas — Modern American Diner
Bananas takes counterculture to a whole new level for Orlando. With comfy booths the color of bottled ketchup, bold black and white accents throughout the room and an ambitious menu inspired by a grandmother's home-style recipe box, Bananas is ground zero for comfort food in the Mills 50 district.
Latin Quarter
6000 Universal Blvd. at CityWalk, Orlando; 407-224-2800; universalorlando.com
Pio Pio; Ceviche Tapas Bar & Restaurant (both Orlando); Columbia (Celebration)
Critic's choice: Ceviche Tapas Bar & Restaurant
125 W. Church St., Orlando, 321-281-8140; ceviche.com
The tapas are delicious and the setting is in the heart of downtown Orlando. Ceviche has survived on Church Street when it looked like no restaurant could. The new Amway Center should entice more people to try this place.
Tijuana Flats
Various locations including 8 N. Summerlin Ave., Orlando; 407-649-8063; tijuanaflats.com
Agave Azul (Orlando); El Potro (various locations); Garibaldi (Orlando and Kissimmee)
Critic's choice: Taquitos Jalisco
Three locations including 1041 S. Dillard St., Winter Garden; 407-654-0363; taquitosjaliscorestaurant.com
Taquitos Jalisco is my favorite destination in Central Florida for authentic Mexican.
Middle Eastern
7732 Sand Lake Road, Orlando; 407-351-6000; orlandocedars.com
Bosphorous (Winter Park); Anatolia (Orlando)
Critic's choice: Cedar's
Cedar's is a striking independent among the chains of Orlando's Restaurant Row. Sandwiched between two corporate superstars, Roy's and Seasons 52, the family-owned Lebanese restaurant has been a culinary standout since 2001.
Bahama Breeze
Various locations including 8735 Vineland Ave., Lake Buena Vista; 407-938-9010; bahamabreeze.com
Hue (downtown Orlando); Genuine Bistro (DeLand)
Critic's choice: Relax Grill
211 Eola Parkway, downtown Orlando (next to swan boats); 407-425-8440; RelaxGrill.com.
The menu is a nice mix of American, Middle Eastern and Greek cuisine. There are plenty of nibbles and noshes to simply enjoy with a glass of wine as well.
Pizza Valdiano
Various locations including 510 N. Orlando Ave, Winter Park; 407-628-5333; pizzeriavaldiano.com
Mellow Mushroom (Winter Park and Orlando); Anthony's Pizzeria & Restaurant (Orlando)
Critic's choice: Del Dio's Bistro
5650 U.S. Highway 17-92, Casselberry; 407-834-4442
There's nothing fancy here, just great pizza and several amazing pasta dishes. Del Dio's recently moved from Fern Park to Casselberry. New address, but it's still the same great New York-style pizzeria.
Power lunch
821 N. Orange Ave., Orlando; 407-373-0622; citrusorlando.com
Houston's (Winter Park); Sam Snead's (Maitland)
Critic's choice: Citrus
Located on the edge of downtown, Citrus is a hub for Central Florida movers and shakers.
Puerto Rican
422 S Alafaya Trail, Orlando; 407-281-4700; guavateinorlando.com
Puerto Rico Café (Kissimmee); Rice & Beans and Mi Viejo San Juan (both Orlando)
Critic's choice: Guavate
What's not to like about the food here? Tender, juicy pork and 21 mofongos on the menu. In addition, the dining area is awash in natural light from the large windows. And vibrant art lines the back wall.
Victoria & Albert's
Disney's Grand Floridian Resort & Spa (Lake Buena Vista)
The Venetian Room at the Caribe Royale (Orlando); Seasons 52 (Orlando and Altamonte Springs); Houston's (Winter Park)
Critic's choice: Chef's Table at the Edgewater Hotel
99 W. Plant St., Winter Garden; 407-230-4837; chefstableattheedgewater.com
Everything about this place is charming. And the food is simply amazing.
TooJay's Original Gourmet Deli
Six locations including 715 N. Alafaya Trail; 407-249-9475; toojays.com
Pom Pom's Tea House & Sandwicheria and Beefy King (both Orlando); Firehouse Subs (various locations)
Critic's choice: Beefy King
An Orlando landmark for more than 40 years, the steamed sandwiches at Beefy King are an Orlando must-have. My runners-up are Davis Bakery & Co. (Avalon Park) and Virgin Olive Market (Orlando).
Bonefish Grill
Eight locations including 814 S. Atlantic Avenue, Ormond Beach; 386-615-7889; bonefishgrill.com
Red Lobster; Boston's Fish House (both various locations)
Critic's choice: Big Fin Seafood Kitchen
8046 Via Dellagio Way, Orlando (at the corner of Sand Lake Road and Della Drive); 407-615-8888; bigfinseafood.com
Big Fin has a big-chain vibe but it's purely a local fresh catch. The menu is a mess of cute names and confusing groupings, but all is forgiven when the fish and seafood land on the table.
Del Frisco's
729 Lee Road, Orlando; 407-645-4443; delfriscosorlando.com
Outback (various locations); Ruth's Chris Steak House (Orlando, Winter Park); Charley's Steak House (Orlando and Celebration)
Critic's choice: Bull and Bear at the Waldorf Astoria
14200 Bonnet Creek Resort Lane, Orlando, 407-597-5410, waldorfastoriaorlando.com
The 159-seat restaurant exudes clubby steakhouse. Tall ceilings, dark wood, beveled windows, nicely executed lighting and an assortment of comfortable seating set the tone. Once you are seated the place is yours for the evening. On both visits, dinner was well-paced and never rushed. The staff is impeccably trained and positioned at all times in each of the three main dining rooms.
Three locations including 55 W. Church St., Orlando; 407-316-8500; amura.com
Seito (Orlando, Celebration and Winter Park), Fuji Japanese Cuisine (Orlando)
Critic's choice: Shin Japanese Cuisine
803 N. Orange Ave, Orlando (downtown); 407-648-8000; shinsushi.com
Shin Japanese Cuisine brings a casual elegance to downtown Orlando and some of the best sushi around. The staff is attentive and well-versed on the nuances of the menu.
Black Bean Deli
Four Rivers Smokehouse; Bubbalou's Bodacious Barbecue
Critic's choice: Yellow Dog Eats
1236 Hempel Ave., Windermere; 407-296-0609; yellowdogeats.com
The sandwiches are thick, creative and always fresh. You will go for takeout, but most likely you'll want to stick around.
Moe's Southwest Grill
Three locations including 7484 University Blvd., Winter Park; 407-671-3566; moes.com
Tijuana Flats (various locations); Amigo's (Altamonte Springs, Orlando)
Critic's choice: Tijuana Flats
Last year we were on the same wavelength. I'm sticking with Tijuana Flats. It's always fresh and fast.
Thai House
2117 E Colonial Drive, Orlando, 407-898-0820
Sea Thai; Royal Thai (both Orlando)
Critic's choice: Thai Blossom
99 W. Plant St., Winter Garden; 407-905-9917; mythaiblossom.com
The hallmark of good Thai food is a balance of all the flavor elements. Thai Blossom continues to excel at that.
Theme-park restaurant
Islands of Adventure, Universal Orlando
Le Cellier (Canada Pavilion Epcot, Lake Buena Vista); Three Broomsticks (Wizarding World of Harry Potter, Universal); Brown Derby (Disney's Hollywood Studios, Lake Buena Vista)
Critic's choice: Via Napoli
Italy Pavilion Epcot
You will find authentic Neapolitan-style pizzas here along with calamari fritti, lasagna verde and spaghetti with veal meatballs. The room reverberates with energy.
Ethos Vegan Kitchen
1235 N. Orange Ave., Orlando; 407-228-3899; ethosvegankitchen.com
Dandelion Communitea Café (Orlando); Green Day Café (Orlando)
Critic's choice: Woodland's Pure Vegetarian South Indian Cuisine
6040 S Orange Blossom Trail, Orlando (between Oak Ridge and Lancaster roads); 407-854-3330; Woodlandsusa.com
Woodlands is part of a small chain of three restaurants with other locations in Charlotte, N.C., and the Fort Lauderdale 'burb of Lauder Hill. The Orlando location is a plain Jane retrofit of a former fast-food eatery. Don't let that fool you. The owners concentrate on what counts — the food.
Little Saigon
1106 E. Colonial Drive, Orlando; 407-423-8539; littlesaigonrestaurant.com
Lac Viet Bistro; Pho 88; Viet Garden (all Orlando)
Critic's choice: Saigon Flavors
3573 Aloma Ave., Oviedo (in the shopping plaza at Deep Lake Road); 407-951-8818; Saigonflavors.net
Saigon Flavors is small but tables are comfortably spaced. The staff is friendly and knowledgeable and determined to help those unfamiliar with Vietnamese cuisine feel comfortable.
Wine list
Seasons 52
The Venetian Room at the Caribe Royal; The Wine Room and Luma on Park (both Winter Park)
Critic's choice: The Capital Grille
9101 International Drive, Orlando; 407-370-4392; thecapitalgrille.com
There is strength in numbers and a well-educated staff. The Capital Grille has both — with more than 350 wine offerings.
Buffalo Wild Wings
Seven locations including 900 S.R. 436, Casselberry; 407-671-9300; buffalowildwings.com
Gator's Dockside; Ker's WingHouse; Hooters (all various locations)
Critic's choice: Sinbad's
1050 W. Burleigh Blvd. (U.S. Highway 441), Tavares; 352-343-6669
I am sticking with one of my favorite Lake County dives, although Flyer's on west Colonial in Orlando was mighty fine on two visits. We all tend to like our wings close to home.
Seasons 52
The Ravenous Pig (Winter Park); The Venetian Room at the Caribe Royale Resort (Orlando)
Critic's choice: The Ravenous Pig
1234 N. Orange Ave., Winter Park; 407-628-2333; theravenouspig.com
This is the most difficult category. We choose our favorite restaurants based on so many variables: Our personal dining style, special occasions, cuisine and even price point. Perfection plays a role, but it's much more than that. My runners-up are Antonio's (Maitland), Spanish River Grill (New Smyrna Beach) and K Wine Bar (Orlando). All have great chefs on board, but the Pig's chef-owners James and Julie Petrakis are the most consistent with executing their innovative menus and celebrating the farm to table movement.


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J.P. Morgan Chase (NYSE:JPM) promoted Marianne Lake to the position of chief financial officer on Monday, instantly making the former CFO of consumer and community banking one of Wall Street's highest ranking females.
Continue Reading Below
The move comes just months after the resignation of the banking giant's former chief investment officer, Ina Drew, in the wake of the London Whale trading debacle.
In addition to taking over as CFO, Lake has been tapped to join J.P. Morgan's operating committee, its closely watched circle of high-level executives.
"She has developed an impressive breadth of knowledge and experience in finance across both our wholesale and our consumer businesses -- in the United States and around the world," CEO Jamie Dimon said in a statement.
The promotion makes Lake, 43, one of the few high-ranking females on Wall Street, an aggressive industry that is still dominated by males.
Lake is currently serving as CFO of J.P. Morgan's consumer and community banking division, which is one of the largest financial-services businesses in the country. She previously worked as global controller of the investment bank from 2007 to 2009 and also had a stint in the company's corporate finance group.
Lake is expected to take her new position in the first quarter of 2013, succeeding current CFO Doug Braunstein, who will become a vice chairman. The bank said Braunstein will focus on serving the company's top clients.
Before becoming CFO in June 2010, Braunstein served as head of J.P. Morgan's investment banking Americas division since 2008 and also previously led its M&A team.
"Doug is a highly experienced and respected banker and an exceptional client-facing executive, who in this new role will work alongside our investment bankers to further strengthen the capabilities of our world-class Corporate & Investment Bank," Dimon said.
Shares of New York-based J.P. Morgan traded flat in after-hours action, maintaining their 2.68% leap during regular trading to $40.59. The bank's stock has rallied about 19% so far this year, outperforming the broader markets.

subset: commoncrawl


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Down (gridiron football)
A down is a period in which a play transpires in American and Canadian football. The down is a distinguishing characteristic of the game compared to other codes of football, but is synonymous with a "tackle" in rugby league. The team in possession of the football has a limited number of downs (four downs in American football, three downs in Canadian football) to advance ten yards or more towards their opponent's goal line. If they fail to advance that far, possession of the ball is turned over to the other team. In most situations, if a team reaches their final down they will punt to their opponent, which forces them to begin their drive from further down the field; if they are in range, they might also attempt to score a field goal.
A down begins with a snap or free kick (such as a kickoff or safety kick), and ends when the ball or the player in possession of it is declared down by an official, a team scores, or the ball or player in possession of it leaves the field of play.
The player with possession of the ball after he has been tackled or is otherwise unable to advance the ball further on account of the play having ended (e.g., "He is down at the 34 yard line") is down.
Down may also refer to the ball after it is made dead in one manner or another. The line of scrimmage for the next play will be determined by the position of the ball when it is down.
Each possession begins with first down. The line to gain is marked 10 yards downfield from the start of this possession, and the situation is described as "1st and 10" (if the goal line is less than 10 yards downfield, then the goal line is the line to gain and the situation is "1st and goal"). If the offensive team moves the ball past the line to gain, they make a new first down. If they fail to do this after a specified number of downs (four in American play and three in Canadian play), the team is said to turn the ball over on downs, and possession of the ball reverts to the opposing team at the spot where the ball was downed at the end of the last down.
If a penalty against the defensive team moves the ball past the line to gain, the offensive team gets a new first down. Some defensive penalties give the offense an automatic first down regardless of the distance.
When the offensive team has not yet made a first down before reaching the final down, the team faces a last down situation (third down situation in Canadian play and fourth down situation in American play), where the team is forced to decide whether to either scrimmage the ball in an attempt to pick up the first down (this is called going for it [on fourth down]), or alternatively to kick the ball (either by punting or making a field goal attempt). Though statistical analysis of games suggests playing more aggressively is the better option,kicking the ball is typically seen as the safer solution; scrimmaging may lead to a turnover on downs, potentially giving the ball over to the other team with good field position.
Downing the player with possession of the ball is one way to end a play (other ways include the player with the ball going out of bounds, an incomplete pass, or a score). Usually a player is made down when he is tackled by the defense. In the NFL, if the offensive player is touching the ground with some part of his body other than his hands or feet, then he is down if any defensive player touches him. In the NCAA, an offensive player touching the ground in the same manner is down, regardless of whether a defensive player touches him.
If recovering the ball in one's opponent's end zone (following a kick-off in American football, and following any kick into the end zone, except for successful field goals, in Canadian football), a player may down the ball by dropping to one knee (note that in Canadian play, doing so scores a single for the opposing team). A player in possession of the ball will down the ball if he fumbles it out of bounds. If a quarterback is running with the ball during his initial possession of the same play following the snap, he may down the ball by voluntarily sliding from his feet to a sitting or recumbent position - this is to protect the quarterback from injury. In the NFL, the quarterback is the only player for whom falling down in this way automatically stops play.
- 1st & 10: First down with 10 yards to go for a new first down. This is the usual starting point for a possession. On occasion the yards to go may be a number other than 10, due to a penalty (moving the ball backwards or forwards, depending on whether the penalty is against the offense or the defense respectively) and replaying the down. If 1st and 10 would result in a line to gain at or beyond the goal line, that term is replaced by 1st and goal, defined further below. The referee signals a first down by facing the goal the team in possession of the ball is advancing toward and extending his forearm toward the goal with palm usually open. Sometimes a referee will mistakenly indicate a first down when the offensive team recovers its own fumble, and the recovery does not result in a first down. The proper signal would be the signal for the particular down as there is no specific sign in football to indicate a fumble recovery.
- 2nd & 5: Second down with 5 yards to go. Similarly, 2nd and 10, 3rd and 2, etc. If the line of scrimmage is further than 10 yards away, it may be indicated as "2nd & 11", "2nd & 15" etc. The referee signals a second down by holding up his arm and extending two fingers.
- 3rd & long: In American football, third down with an unspecified but significant distance to go (usually over 7 or 8 yards). Often used as a metaphor for a desperate situation that demands risky actions be taken. The corresponding Canadian football term is 2nd and long. 3rd and long is also a time that is likely to produce a pass play. 2nd and long is also sometimes used in American football when over 10 yards, as a result of a loss of yardage, such as via a quarterback sack or offensive penalty. The referee signals third down by holding up his arm and extending three fingers.
- 3rd & 1: Third down with one yard to go. This is often used in tense situations in Canadian football where the offense is tempted to scrimmage the ball rather than kick for a chance to get another first down. A similar term used in American football is 4th & inches. If the ball is deemed too close to visually determine whether or not a first down has been achieved, the official chain crew will be brought onto the field for a measurement.
- 1st & goal: First down, where the goal line is the line to gain, for example, 1st and goal on the 8 yard line. A team cannot make another first down (barring a defensive penalty) without actually scoring. Similarly, "2nd and goal", etc.
- down by contact: When a player with possession of the ball is made to touch the ground (other than hands or feet) by a defensive player; for example, if the ball-carrier slips and falls, he can get up and continue, but if he was pushed by a defensive player, he is said to be down by contact and the play is dead. This term is only applicable to professional football; in college and high-school football, the play ends when the player with possession goes down for any reason. The kneeling holder of a place kick attempt is not considered down even though normally a player with the ball who touches a knee to the ground is considered down.
- turnover on downs: Failure to make a new first down on the final (4th) down.
- 4th & ballgame: Informal term referring to the late-game situation where the team with the ball is losing and has reached 4th down, and failure to convert that 4th down will seal the outcome by being either the final play before the clock runs out, or a turnover would allow the winning team to run out the clock. The referee signals fourth down by raising his arm with a clenched fist.
In the early 19th Century in rugby football, the ball became dead in the field of play only by mutual consent of opponents. A player carrying the ball and held by opponents would say, "Held!", and his opponent would say, "Have it down." That is, the ballcarrier would declare himself fairly held, unable to advance, and an opponent would call on him to put the ball down, initiating the scrimmage.
In modern rugby league, this is called a tackle and each team has six tackles to score; if they fail then possession changes over to the other team. The rule was established at four tackles in 1966 and was changed to six tackles in 1972.
In American football, the concept of the act of having the ball down gave rise to "down" as the condition of the player so obligated, and the ball carrier could call for a "down" voluntarily. Although NCAA rules have effectively abolished this (as the ball carrier dropping to the ground immediately ends the play), other codes for North American football, such as the NFL, still allow (as one way for the ball to become dead) for the runner to cry "down". The rule is rarely used, despite having practical advantages over the preferred method of intentional downing, the kneel.[1]
Eventually the rules officially applied the word to include all of the action from the time the ball was put into play (whether by snap or free kick) until it became dead.
The system of downs, in terms of a set number of plays to advance the ball a certain number of yards, were originally devised by Walter Camp and introduced to the game at the college football level in 1880, when Camp was still a player of the game. Camp's original system gave teams three downs to advance the ball five yards or else lose possession of the ball, a proposal meant to reduce sandbagging. Early in the 20th century, as the forward pass was added to the game and kicking rules became more restrictive, this was expanded to four downs, with a ten-yard requirement. The system of downs was introduced to Canadian football in 1903, where the Burnside rules imposed a ten yards in three downs requirement; those criteria remain in Canadian football to the present day.
Three and out is a situation in American football in which a team, after starting an offensive possession, executes three plays and fails to get a first down, thereby in most cases forcing them to punt or, if close enough, attempt a field goal.
The term comes from the standard practice that an offensive unit only has three "real" plays before they are expected to punt. While, in theory, a team is allowed a fourth play, this usually does not apply, as using the fourth down to execute a play is a risky move under most circumstances. If they fail to convert to a new first down on a fourth down play, the opposing team will be allowed to take over possession at the spot where they left off, giving them better field position than if the ball is punted farther toward the opposing team's end zone. Typically, a team will only attempt a play on 4th down if they are trailing late in a close game, are close enough to the first down marker (usually a yard or less) and in the opposing team's territory, or are deep enough where a punt likely results in a touchback, but just out of field goal range.
Punting following a three-and-out is unlike a turnover on downs. Punting after a three-and-out allows a team the opportunity to set their opposition farther back in field position. On a turnover on downs there is no punt, and the opposing team takes over possession of the ball at the spot of field where the 4th down attempt failed.
In Canadian football, since there are three downs instead of four, the term "two and out" is used in this situation.
- ↑ For instance, it is often advantageous to kneel at or near the goal line in the closing minute of a game when tied or down by less than three points to run out the clock, kick a last-second field goal, and prevent the opponent from scoring. Teams with proficient offenses may allow a runner to intentionally score a touchdown in order to get the ball back and have their own opportunity to score. To combat this, a runner usually attempts to kneel at or near the goal line; however, as seen in Super Bowl XLVI, this is not always successful. Had Ahmad Bradshaw called 'down' when inside the 5-yard line, he would have not had to worry about stumbling into the end zone, as he did. Bradshaw's New York Giants eventually won the game, as they were able to successfully defend against the New England Patriots in their closing drive.
See also
- 1st & Ten, the graphics system used in NFL broadcast to superimpose the first down line on the field of play
- Fifth Down Game, several instances of incorrect counting of downs
- Glossary of American football


text:
Writing an extensive back story is not for everyone. For every player that revels in writing a back-story, it seems there are two that absolutely hate it. Sometimes, getting acceptable back-stories from players is like pulling teeth. And the truth is, most of the stuff in a back-story is utterly useless crap.
Yes. Crap. The thing a lot of folks forget is that a back-story is the part of a character's story that isn't interesting enough to play in the game. If it were exciting and interesting, we'd play it at the table instead of writing it down beforehand. That's not to say it isn't useful. The back-story helps the player make consistent decisions about the character's actions. It also occasionally comes up in the game when a character discusses past events.
Ragnar: "Wow, I didn't know you could ride a horse so well!"
Taloon: "Oh sure. When I was little, I grew up on a ranch in Aundair. I remember one time, we had this nasty magebred stallion that hated everyone. And I…"
But, most of the back-story is a just filler. The important bits are the bits that explain a particular skill, ability, personality trait, motivation, or goal. Sure, it gives a nice consistent picture of a character. But there is a reason why most books and movies don't start by giving you the back-stories of all the characters. Instead, the important parts of the back-story are woven into the narrative (as above) whenever they are needed. Usually they either explain something or set something up for later (Taloon might reminisce early in the book so that later, when he gets into a chase on horseback and is utterly amazing, the audience doesn't think it's odd). Even though many authors do have some sort of extensive back-story in mind, most of it ends up on the cutting room floor, because it isn't interesting to read! Its there in case the author needs it!
Apart from mostly being useless, the back-story actually has another weakness in an interactive, collaborative game like D&D. In movies and books and even in real life, we come to know characters (or other people) primarily through interaction. We are social creatures and, as such, we are most strongly defined by how we interact with others. Role-playing games can be very interesting explorations of characters precisely because the characters are constantly interacting with other characters without knowing what those other characters are going to say and do. In a book, a single author controls everything so we never see the character coping with unexpected interactions. Well, a back-story is a role-playing game minus the interaction because it is entirely under the control of the author. And the purpose of the back story is to define the character. If you look at it from that direction, writing an extensive and detailed back-story is removing one of the unique elements from RPGs. I have had endless fun "discovering" character foibles simply by deciding on the spot that my character reacts a certain way to something someone else has said and then figuring out why later. Or never.
Taloon: "That wasn't a smart move."
Ragnar: "Are you calling me stupid!? Nobody. Calls. Me. STUPID!!!"
Moreover, RPGs are team-based games. As such, it is sometimes important to bend to the will of the team. And we sometimes discover that some character details just don't work within a particular group. A good player is willing to bend their character and back-story to make the group gel. And if an extensive back-story has already been written, people are less inclined to go back and alter things. Especially because people get emotionally attached to anything they put a lot of work into.
And I get it. It is fun to write a back-story for a character. And part of the fun is having a chance to write your character without anyone else interfering, with the full power of the author who controls everything. Writing a back-story is the RPG equivalent of narrative masturbation. And a well written back-story does help create a consistent, nuanced character with connections to the campaign world and well-defined goals.
But, as I said, it is not for everyone. Some players just don't like writing. Some DMs just don't like reading the damned things. And most of it is just useless crap that will never, ever be important. So, if you and/or your players wanted an alternative, you could be totally forgiven.
It just so happens that my current campaign focuses on reincarnating heroes and past lives and I needed a mechanic for handling memories and how they might affect a character's personality, motivations and what have you. And, as I was typing up the basics, I realized it could actually serve as a useful and powerful alternative to the pages of back-story. So, I decided to share it.
TO BE CLEAR: Dear Internet, I am not suggesting everyone dump their back-stories in favor of just using memories because it is better. I am not saying back-stories are bad and that people who write back-stories are stupid. I am just offering an alternative I'm using in case anyone wants to try something different. I know I said some bad things about back-stories up there. But I also agree there are good things. It's a tradeoff. Please don't tell me why I'm wrong to be "hatin' on back-stories." Thanks. Hugs and kisses, Angry.
The Basics of Memory
A memory is a short, simple vignette from a character's life that had a lasting effect on the character. It consists of a brief narrative description of the event and a sentence that describes the impact it had on the character. They should be no more than about five sentences and be quite bare bones. The player can fill in other details when the memory actually comes up in play.
(In my game, to reflect gaining and losing memories of past lives, I am using index cards. A character will essentially have a deck of memories.)
"When Alena was fifteen, her brother, Kiefer, was killed by goblins during a raid on her village. She insisted on taking up a sword and joining the militia that was going to fight the goblins, over her parents objections. Many of her townsfellows died fighting, but they prevailed. This experience left Alena tenacious and coldly desensitized to death."
"During Kiryl's apprenticeship to the wizard Borya, Kiryl would often take shortcuts and cut corners out of laziness. The wizard preferred to use pain and fire to discipline his students. Kiryl never gained a work ethic, but he did get much better at making excuses and trying to talk his way out of trouble. This experience left Kiryl with scarred hands from the many burns he received and the quick wit of a creative liar."
"When Mara was little, she became deathly ill with a terrible fever. Her father entertained her with stories of great heroes and noble deeds, partly to distract her from the illness and partly to distract himself from the fear of losing her. Eventually, the fever passed, but it left scars in her mind. This experience left Mara with a very poor memory and occasional migraine headaches due to brain damage from the high fever, but a strong relationship with her father and a starry-eyed, romantic view of the adventuring life."
A good memory explains some things about the character, particularly things that can't be explained from the character sheet alone. Like personality traits (Alena's tenacity and coldness), unusual skills or feats (Kiryl the wizard clearly has training in the Bluff skill or perhaps even Skill Focus (Bluff)), or motivations and goals (Mara adventures for the fun and excitement of it). A good memory might also fill in other details, like why someone is a member of a particular class or who trained them (Alena became a fighter, Kiryl was apprenticed to a pretty rotten wizard and was probably forced to into it) or even suggest other personality traits (Mara might be an eternal optimist with a zest for life). A good memory can also lead to interesting questions and fuel role-playing and improvisation at the table.
Mara: "How did you get those scars?"
Kiryl tells the story of his apprenticeship.
Mara: "Oh… but if you were so miserable and he was such a rotten wizard, why did you study with him?"
Kiryl has to come up with an answer.
In my game, the first line must define when, specifically, the event happened and the last line of every memory must explain how the memory affected the character. What lasting impression did it leave? Remember, a memory that doesn't shape the character in some way is utterly useless narrative masturbation (and no one wants to see that; masturbation is only fun if you're the person doing it).
By focusing the players on specific events rather than on a broad narrative, and forcing them to address the lasting impact of the event, the events become more powerful and they reinforce the character. It is easier for the players to write a few key events than to create an entire narrative out of whole cloth. It is also easier for both the DM and the player to remember a few events than it is to remember pages of back-story. They are easier to skim for plot hooks. They also ensure some consistency between players in the back stories (avoiding the fact that one player brings you thirty pages of psychoanalysis while another brings you a paragraph summary of their training and nothing else). Most importantly, because each one defines the lasting impact it has left on the player, they are much more likely to come up in play and to be talked about.
Required Memories
A DM could get more out of the memory system by setting specific requirements for the memories. For example, my game starts out at 2nd level. So, I am requiring one memory to be of a recent past adventure. Another memory must be of an event during the character's class training or education (whatever that might entail).
A DM who wanted to obtain a good pool of NPC's related to the party might require at least one memory from each player involving a close friend and relative who is still alive today. Or a rival.
A DM who wanted to establish relationships between the party might require each player to write a memory of how they met another member of the party or two (with appropriate collaboration… or not).
A DM who wanted to work a specific story element into the campaign (a place all the players had visited or a particular organization) might require each player to have one memory involving that element.
A DM who wanted to set up a specific start to the campaign could use memories as well. Perhaps all of the PCs begin as criminals in an evil empire's prison. The DM might require a memory that explains their crime or arrest.
Remember: as useful as back-story is for a player, it should also be useful for the DM. Placing some requirements is a great way to ensure you get the things you need as a DM out of it. Of course, it is still a player's back-story you are messing around with. So leave some freedom. Don't require five memories and then tell the players what four of them need to be. Try to only mess around with one or two of them. Leave half or more for the players to explore.


text: On Fri, 14 Mar 2003, Andrew A. Raines wrote: > Jim Lux <James.P.Lux at jpl.nasa.gov> writes: > > > One can fairly easily synchronize to a millisecond over Ethernet, > > but this application needs sync to, at worst, 1 sample time (20 > > microseconds) although order of a microsecond would be nice. > > clockspeed[1] can alleviate clock drift on the order of nanoseconds > on Solaris and microseconds on Linux (i386 only). The drift is The AMD athlons also have fully compatible rdtsc calls. So "i386 from pentium on including the athlons" (just to be picky and reassure AMD users). This actually looks like a lovely idea, and should be able to eliminate drift, but one still has to worry a bit about absolute time synchronization after boot (where it starts by reading the onboard clock from the BIOS). I don't know how accurate these clocks are, but their drift cannot be compensated for by a CPU-based correction so you still have to work out synchronization to an external entity before locking to the CPU clock. rgb > even stored in attoseconds, and it counts leap seconds correctly. > > If you're interested, have a look at Frank Tegtmeyer's work[2] for > an elegant README-automation solution. > > -Drew > > Footnotes: > [1] http://cr.yp.to/clockspeed.html > > [2] http://fte.tegtmeyer.net/djbware/clockspeed_setup.html > > _______________________________________________ > Beowulf mailing list, Beowulf at beowulf.org > To change your subscription (digest mode or unsubscribe) visit http://www.beowulf.org/mailman/listinfo/beowulf > -- Robert G. Brown http://www.phy.duke.edu/~rgb/ Duke University Dept. of Physics, Box 90305 Durham, N.C. 27708-0305 Phone: 1-919-660-2567 Fax: 919-660-2525 email:rgb at phy.duke.edu


text:
|© 2010 MLB Advanced Media, L.P. All rights reserved.
Blue Jays announce Minor League appointments11/30/2010 1:12 PM ET
The TORONTO BLUE JAYS announce the following appointments to their Minor League Field staffs for the 2011 season. New to the organization are managers MARTY BROWN, MIKE REDMOND & pitching coach JIM CZAJKOWSKI, a former Blue Jay farmhand from 1996-1997. SAL FASANO will manage New Hampshire (AA) of the Eastern League, OMAR MALAVE has been appointed as manager of the Gulf Coast Blue Jays, while RICK LANGFORD will serve as the Pitching Rehab Coordinator.
MARTY BROWN, has been appointed manager at Las Vegas of the Pacific Coast League (AAA). The 47 year old has spent the previous five seasons in Japan, most recently managed the Tohoku Rakuten Golden Eagles in the Japanese Pacific League. Previously the Lawton, Oklahoma native managed the Nashville Sounds (AAA) from 2001-2002 & the Buffalo Bisons (AAA) from 2003-2005, being named Minor League Manager of the Year in 2004 with Buffalo. The former 12th round selection of the Reds played 14 seasons of professional baseball, spending three seasons in Japan (1992-1994), eight years in the minors from 1985-1991, 1995 & appeared in 35 games at the Major League level from 1988-1990 with Cincinnati and Baltimore.
SAL FASANO, has been promoted to manager of the New Hampshire Fisher Cats (AA). The Chicago, Illinois native is entering his 2nd season as a manager after making his coaching debut last season with Lansing (A) of the Midwest League after 17 professional seasons as a player. The right-handed hitting catcher played in 427 Major League games, with nine different clubs, including the Toronto Blue Jays in 2007.
CLAYTON McCULLOUGH, will manage Dunedin of the Florida State League (Advanced-A) for the 2nd straight season. The 30-year-old East Carolina University product will be entering his 5th season as a manager, all with the Blue Jays and has led the Lansing Lugnuts to the playoffs in 2009 and the Dunedin Blue Jays in 2010.
MIKE REDMOND, will make his managing debut at Lansing of the Midwest League (A) after 19 professional seasons as a player. The 39-year-old played last season with the Cleveland Indians, appearing in 22 games. The former catcher spent 13 seasons at the Major League level, with three different Clubs (1998-2004 with FLA, 2005-2009 with MIN & 2010 with CLE), batting .287 with 13 home runs & 243 RBI in 764 career games.
JOHN SCHNEIDER, will manage the Vancouver Canadians of the Northwest League (Short-A) this season, the Blue Jays first season affiliated with the Canadians. The Princeton, New Jersey native is entering his 4th season and 3rd as manager. The 29 year old led the Gulf Coast Blue Jays to a 2nd place finish with a 31-28 record in the 2010 season.
DENNIS HOLMBERG, will manage Toronto's new affiliate, Bluefield of the Appalachian League. The Palm Harbor, Florida resident had spent the last nine seasons managing at Auburn (A) in the New York-Penn League from 2002-2009. The 59 year old has been a manager or coach in the Blue Jays system since the 1978 season and in 21 seasons as a manager, has posted a 1239-1154 record, making nine playoff appearances, including a NY-Penn League Championship with Auburn in 2007.
OMAR MALAVE, has been appointed manager of the Gulf Coast Blue Jays after spending last season as the first base coach with the Toronto Blue Jays. The Clearwater, Florida resident has spent 18 seasons as a manager in the minors (1134-1000 record), all with the Blue Jays from 1991-2009. In fact, the Cumana, Venezuela native has spent his entire professional career dating back to 1981 as a player, coach and manager within the Toronto Blue Jays organization.
This story was not subject to the approval of Major League Baseball or its clubs.
Blue Jays Homepage | MLB.com


text:
If you want to buy a home your biggest question will probably be: What do I have to do to get approved?
In order to know your options you will have to understand the process, your credit history,
income vs. debt (DTI), down payment/equity requirements, and compensating factors. This sounds like
a lot but if you break it down one step at a time it is simple. Some things you can fix or improve
and some things will be totally out of your control. Knowing these things will make your journey less frustrating.
I want you to know that even if you qualify based on all these guidelines, ... today's market is
unsettled at best. Many lenders just are not lending and won't tell you that. To make things worse, a
lot of (out sourced) underwriters don't really have a good knowledge of the guidelines and are over documenting. Some
loans can take 3 to 6 months to close even if there are no issues. Unfortunately, there just are no guarantees
in the market as it is today. If you have a question about data fed back to you and you question the guidelines,
just send us an email and we will look up the Fannie Mae or Freddie Mac official rules.
Forget the Doom and Gloom! People are buying homes today and you will never get a better interest rate than what is available now.
Now is the best time to buy or refinance so just go for it. I hope this site will help you prepare so there are no surprises.
You will learn:
Underwriting guidelines determine your options when you purchase or refinance a home.
You should prepare for your purchase months in advance, especially if it is your first home.
If you want to refinance your home, it is a good idea to make sure your credit is in order so
you can qualify for the best rates available. Unfortunately in today's market
home value has a lot to do with your ability to refinance. I don't think I need
to say more about that because if you are underwater with your home now I'm sure you
are aware of it.
Your sanity may depend on your understanding of the terms: pre-approval, approval, and clear to close.
Many people are confused by these terms.
Pre-approval, is just what it indicates. It is a pre approval
based on income and debt information submitted before verification of any documentation. It is totally useless and should only give you a warm feeling. It means nothing more.
After documentation verification, known as processing the file,
the file goes to a mortgage underwriter who again verifies the information. The underwriter can also request any other
documentation he/she may feel is justified to strengthen the file.
When the underwriter is satisfied with all documents, inspections, and the appraisal,
you will receive an APPROVAL. Then all the legal documents will be drawn up. The documents have to be approved and the final title insurance
is issued. At this point the lender will give a "clear to close" and then the actual
closing is scheduled. Don't breath a sigh of relief yet, ... the lender will pull your credit again on the day of closing.
If it all falls inline, they will wire the funds to the closing company. I have actually seen people sitting at the closing table to sign the documents
and the lender call to deny the loan. Waiting for the ink to dry is stressful if you don't understand the things you should and should not do during this entire process.
This site will explain FHA loans, VA loans, and
home equity loans. There are also several calculators you can play around with to determine
how much of a home you can actually afford.
We have put together two web sites that are focused just on FHA programs. If your
interest is just FHA Loans you should visit these web sites. FHA Guidelines
is focused at underwriters and mortgage
professionals. It has a lot more technical detail. FHA Underwriting Guidelines is more focused
toward the consumer or homebuyer.Of course if you have any questions we will be happy to answer them.
In today's finance market it is difficult to locate 100% Financing. However, USDA single-family housing
offerd two 100% LTV products and both have flexible credit guidelines.
One program is the "Guaranteed" Loan that is for people with medium income. The other is the "Direct" loan program for people with Very Low Income.
The direct program is government subsidized. Learn the benefits and the guidelines for these two
programs at: Guaranteed Loan or Direct Loan.
The following Video goes over the pro's and con's of the 5 major programs.
Put Your Company in our "Guide To Professionals".
If you are
a professional in the Real Estate Industry we invite you to place your
company in our Guide To Professionals. The consumers that visit this web site
are looking for information before they jump into the market. They are also looking
for knowledgable, up to date, local professionals to do business with.
Real Estate Professionals, click here to edit your company information in our Guide To Professionals.
Equal Housing Lender. � 2012 Kale Enterprise Corp. Trade/service
marks are the property of Kale Enterprise Corp and/or its subsidiaries.
Some products may not be available in all states.


text:
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text:
SOURCE: Insulet Corporation
February 13, 2014 16:15 ET
BEDFORD, MA--(Marketwired - Feb 13, 2014) - Insulet Corporation (NASDAQ: PODD), the leader in tubeless insulin pump technology with its OmniPod® Insulin Management System, announced plans to release its financial results for the fourth quarter and full year 2013 on February 27, 2014 after the close of the financial markets.
Insulet will also host a conference call at 5:00 p.m. Eastern Time on February 27, 2014 to discuss its fourth quarter and full year 2013 financial results. During the conference call, material information concerning the Company, its operations, strategies and prospects may be discussed.
To listen to the conference call, please dial (877) 831-5664 for domestic callers and (832) 412-1780 for international callers. The passcode is 25504340. A replay of the conference call will be available two hours after the completion of the call through March 13, 2014 by dialing (855) 859-2056 (domestic) and (404) 537-3406 (international), passcode 25504340. An online archive of the conference call will also be available by accessing the Investor Information section of the company's website at http://investors.insulet.com.
About Insulet Corporation
Insulet Corporation (NASDAQ: PODD) is an innovative medical device company dedicated to making the lives of people with diabetes easier. Through its OmniPod Insulin Management System, Insulet seeks to expand the use of insulin pump therapy among people with insulin-dependent diabetes. The OmniPod is a revolutionary and easy-to-use tubeless insulin pump that features just two parts and fully-automated cannula insertion. Insulet's subsidiary, Neighborhood Diabetes, is a leading distributor for diabetes products and supplies, delivered through a high touch customer service model. To read inspiring stories of people with diabetes living their lives to the fullest with OmniPod, visit our customer blog, Suite D: http://suited.myomnipod.com. Founded in 2000, Insulet Corporation is based in Bedford, Mass. For more information, please visit: http://www.myomnipod.com.
Contact:Brian Baxter for Insulet email@example.com
Contact:Brian Baxter for Insulet email@example.com
See all RSS Newsfeeds


text:
Lloyd Elliott
|This character-related article is a stub. You can help Erfwiki by expanding it.
Race: Men
Faction: Jetstone
Class: Caster (Dittomancy)
Level: < 7
Proposed Canon
Strengths: Duplicating units, duplicating the attacks of others, duplicating units, duplicating the attacks of others.
Weaknesses: Repeating himself, saying things twice
First Appearance: LIAB 7
Elliott is a Dittomancer in the service of Jetstone.
Along with Ace Hardware and Pierce, Elliott was sent to defend the hex on Jetstone's side of the Expository Bridge.
Elliott is referred to as "Dittomancer Lloyd" in LIAB_Text_41. It has been confirmed that his first name is Lloyd, and his last name is Elliott. LIAB 88:10
His room in the palace is full of "double" objects, such as a double bass, double-ply toilet paper, and Doublemint Gum.
If signamancy is anything to go by, he has been in service to his side for about as many turns as Slately has ruled. His appearance is a bald, wizened (possibly going blind) male.
It's possible that Lloyd also has some skill at rhyme-o-mancy. The evidence for this is that when not repeating himself, he'll cast spells in couplets. Also, this would mean he's dual-classed, fitting for a dittomancer.
It may or may not be significant, but both Elliott's first at last name both have repeating/duplicate L's in them and his last/second name (Elliott) has two sets of duplicate letters. These duplicate letters may be common to all Dittomancers, or may simply be coincidence and unique to Lloyd.
Lloyd's statement, "Double 'em! I'll quadruple 'em." may indicate that he is Adept Level, but has not achieved Master Level. A Novice would be unlikely to be able to quadruple attacks, and, if he had been a Master, he would likely have been able to multiply attacks at a greater magnitude (such as octupling them), provided he had sufficient juice to power the spell.
Real World References
Elliott's character design appears to be a reference to the Deadly Duplicator, a villain from the Birdman universe who had the power to duplicate things with his glasses. The name "Elliott" would then be a reference to Harvey Birdman, Attorney at Law, in which the Deadly Duplicator is given the alter ego "Professor Elliott Taggart".
His staff bears a © (copyright) symbol to support the fact that he has the right to copy.


text:
Large-scale conversion of tropical forests to oil palm plantations has a devastating impact on a huge number of plant and animal species.
Specific problems include:
- The destruction of habitats containing rare and endangered species.
- The elimination of wildlife corridors between areas of genetic diversity.
- An increase in human-wildlife conflict as populations of large animals – such as tigers, elephants and orangutans – are squeezed into increasingly isolated fragments of natural habitat.
- Reduced biodiversity in plantations. For example, nearly 80 mammal species are found in Malaysia's primary forests. In contrast, disturbed forests have just over 30 mammal species, while oil palm plantations have only 11 or 12 (Wakker 1998, in Clay (2004) "World Agriculture & Environment"). Similar species reductions occur for insects, birds, reptiles and soil microorganisms.
- Increased harvesting of animal species for food, the pet trade or other reasons by people lured to plantations as workers.
- The indiscriminate use of poisons to eliminate rats within oil palm plantations, which also poison other animals attempting to recolonize plantations.
Author: WWF
Source: WWF


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Discount Dining Room Sets Decoration Exquisite will determine the look of your space whether it is roomy or tiny. Besides, the rug also becomes a great way to protect your floor from scratches while keeping the appearance much better. It boosts the aesthetics when you know what to choose. Check some rug ideas in the gallery for more inspiration.
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Description: [Dancing Stage EuroMIX 2] By Mr. Brian & The Final Band
By Mr. Brian & The Final Band
Come with me, you muthas!
Let's go!
1, 2, 3, 4, 5
Break the doll and get out of here
Come with me now
Now we are goin' our way
I wanna show you baby
The world you've never seen
Cause it can happen now
So hold on tight, babe
It is a wild world out there
When you can open your eyes
No need to be afraid
Stay with me baby
You are the one to keep me sane
Baby take my hand and love me now
I don't wanna know what they say
No no I don't care
They can tell me nothin'
I'm gonna go my way
1, 2, 3, 4, 5
Break the doll and get out of here
Come with me now
Now we are goin' our way
Go on and fall apart!
Let's go! Ahh!
I don't wanna know
Which way to go, just keep on going
There is no time
No time to be wastin' now
1, 2, 3, 4, 5
Now is the time, let's get out of here
Come with me now
Nothing can ever stop us
Thank you!
Contributed by Allen Tyner <[email protected]>
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Win a Guitar Autographed by Jason Aldean
Jason Aldean's 'Night Train to Georgia' DVD is available as of Oct. 15, and the singer is celebrating! The live concert release features songs from his sold-out University of Georgia show in April. Fans will spend 90 minutes watching him sing and play guitar. Perhaps you'll be able to jam along with him if you win this acoustic beauty with the 'She's Country' singer's signature on it?
Kelly Clarkson, Ludacris and Luke Bryan joined Aldean during the historic show at Sanford Stadium in Athens, Ga.. The DVD also features highlights from the star's other stadium shows, plus interview footage. All of his hits are there, including '1994,' 'Take a Little Ride,' 'The Only Way I Know' and the title track from his most recent 'Night Train' album.
To enter to win this signed guitar, take advantage of as many of the options above as you can. You'll gain additional entries for each new Twitter and Facebook account you follow, plus five entries just for signing up to receive the Taste of Country newsletter. There's over a dozen ways to enter, so don't hold back!
Be sure to read the official Taste of Country contest rules before entering. A winner will be chosen and contacted after this contest ends on Nov. 11, 2013 at 11:59PM ET.


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WASHINGTON, D.C. — The USDA on Monday announced that 582 Vermont dairy farms — 67 percent of Vermont's registered dairy farms — had enrolled in a new financial safety net called the Margin Protection Program (MPP). Created by the 2014 Farm Bill, the voluntary program offers financial assistance to participating farmers when the margin — the difference between the price of milk and national average feed costs — falls below the coverage levels selected by individual farmers.
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MONTPELIER — Vermont Agriculture Secretary Chuck Ross is encouraging all Vermont dairy farmers to enroll in the Margin Protection Dairy Insurance Program, or MPP. Last week the USDA extended the application deadline to Dec. 19 (the deadline had been Dec. 5).
"Dairy farming in Vermont has many risks. The Margin Protection Program is a means to manage the risk of dropping milk prices and rising feed costs," Ross said in a press release.
Montpelier, VT— This morning at Fairmont Farms in East Montpelier, Senator Patrick Leahy and Representative Peter Welch encouraged Vermont's dairy farmers to enroll in the new Margin Protection Program (MPP) and announced a series of workshops for interested participants.
MPP is a voluntary insurance program included in the new Farm Bill that protects dairy farmers from market fluctuations in milk prices. The program replaces the expired Milk Income Loss Contract Program (MILC).
BURLINGTON — U.S. Agriculture Secretary Tom Vilsack, flanked by Sen. Patrick Leahy and Rep. Peter Welch at a press conference in Burlington last Thursday, announced a new dairy insurance program to protect farmers against volatile price swings.
"I would urge farmers to sign up to this program for $100," Leahy said. "It is a great investment and a chance to stop the boom and bust cycle we have."
I was struck by the irony of two juxtaposed news stories this week. One story described the impact of our state's revenue shortfall and the resulting $31 million in budget cuts that will further distress needy Vermonters and impair the capacity of state service agencies to meet the needs of their clients. The other article concerned the request by Blue Cross Blue Shield of Vermont for a 9.8 percent rate increase to its subscribers.
ADDISON COUNTY — Addison County lawmakers spearheading Vermont's health care reform effort hailed the U.S. Supreme Court's decision on Thursday to substantially uphold the federal Affordable Care Act (ACA), a decision they said gives them further confidence in pushing the state toward a single-payer system.
"I'm obviously satisfied and pleasantly surprised, I have to admit, by the ruling," said Rep. Michael Fisher, D-Lincoln, and chairman of the House Health Care Committee.
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Candidate presented by: Dr. Angela Sorby, Associate Professor of English
Carolyn Forché is a Detroit native who has become a citizen of the world. As a poet, anthologist, essayist, and professor, she has broadened the vision of American poetry as she unflinchingly explores the often-traumatic lived experience of twentieth and twenty-first century history. Currently Ms. Forché directs the Lannan Center for Poetics and Social Practice at Georgetown University.
Ms. Forché's first book, Gathering the Tribes, was chosen for the 1975 Yale Younger Poets Series. Published when she was just 24, this book already shows an awareness of large-scale forces and their potentially catastrophic effects on individuals and "tribes." In 1977 Ms. Forché began translating the poetry of the Salvadoran-exiled poet Claribel Alegria, which made her aware of the political situation in El Salvador. When she was awarded a John Simon Guggenheim Foundation fellowship, she chose to go to El Salvador, where the government was engaged in widespread human rights violations. Called to activism, Ms. Forché began working closely with Rev. Ignacio Ellacuria, S.J., Rector of Central American University, who later became one of six Jesuits martyred for his advocacy work. Her experiences inspired her to expand her reach as poet, not into ideological political realms but into what she calls "the social": the sphere where politics intersects with intimate human relations.
Throughout her career, Ms. Forché has balanced poetry and translation projects with human rights activism, often blurring the line between the two. Her second book, The Country Between Us, recounts what she witnessed in El Salvador, speaking with elegant precision about the unspeakable. The Country Between Us received the Alice Fay Di Castagnola Award, was a Lamont poetry selection in 1981, and is still considered a landmark event in American letters. Her 1991 collection, The Angel of History, received the Los Angeles Times Book Critic Award; and her most recent collection, The Blue Hour, was a finalist for the National Book Critics Circle Award. In addition, she has translated Alegria's Flowers from the Volcano and Sorrow, The Selected Poems of Robert Desnos (with William Kulik), and Mahmoud Darwish's Unfortunately, It Was Paradise (with Munir Akash). She also edited Against Forgetting: Twentieth Century Poetry of Witness. Against Forgetting compiles work written by poets swept up in the bloodiest conflicts of the twentieth century - from the 1915 Armenian genocide to the 1989 suppression of Chinese democracy - and it was praised by Nelson Mandela as "a blow against tyranny, against prejudice, against injustice."
The Lannan Center's mission keeps Ms. Forché at the cutting edge of American poetry as a social practice. At Georgetown, she oversees a lively mix of students, visiting writers, outreach programs, and symposia, all concerned with promoting what the Center's website calls "the plural forms of culture and the advance of cultural freedom in the world today." There are elements within American culture that want to push poetry to the sidelines, but Forché has refused to be marginalized. As her work as a poet, translator, and anthologist amply demonstrates, poetry has long been among the most powerful weapons in the global war against silence and against forgetting.
Because of her lifelong commitment to the poetry of witness, Reverend President, I hereby recommend Carolyn Forché for the Marquette University degree of Doctor of Letters, honoris causa.


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Made with love.
That was his intention. And I felt the love. I did.
Still, today, I continue to feel grateful. Not for the impractical, rather hideous piece of plywood furniture that was too big to fit on any wall in my bedroom. But for the intention. The effort. The thought.
My dear husband, my boyfriend at the time, didn't have a saw, tools or much money. Just six pieces of 7-by-7-foot plywood, a box of nails and some hinges. I needed a new chest of drawers. Ever thoughtful, he did what he could, given the constraints.
Maybe it didn't help that he painted the colossal plywood box bright pink and with a neon green star.
I really did appreciate it, the entire time we struggled to push it, marked with a "free" sign, onto the street corner. Shocking, really, that no one snatched it up. Ever. Not even sanitation services on bulky item collection day. It weighed more than the dump truck.
We had fun breaking it down together with an ax.
Ah, the romantic Valentine's memories of yesteryear.
Maybe you, too, want to bestow a handmade-with-love Valentine's Day gift this year. But whether it's a lack of tools, supplies, training, patience, time or even the dim flicker of DIY talent, sometimes the result feels more like a new problem than a gift. And maybe, in those cases, it's best to gift something that someone else made with love. Same same but different, right?
Here are a few of my favorite romantic handmade gift ideas, all made by local Etsy crafters with much more skill than I possess:
The simple
A "kissy fish card": This made-to-order card, on recycled paper, shows two smooching goldfish. Endlessly cuter and more original than a generic grocery store card. Made by Lisa Garland, in Boulder, of Doodlegirl Designs. Order your own for just $3.50 at doodlegirldesigns.etsy.com.
The quirky
A yarn painting print of two pugs kissing: Pugs are funny. Sometimes, so is love. This is a sweet and inexpensive acid-free print for the animal lover in your life. Only $20 and signed by Boulder artist Melissa Langer, of pugnotes.etsy.com. Yes, that would be an entire shop dedicate to art of and for pugs. Find more at Pugnotes.com. You're welcome.
The sexy
A bedazzled bra: Boulder artist Anna Lisa Sawtelle makes a variety of decorated bras that completely redefine the concept of undergarment. OK, you're not going to wear these under your blouse to work. Unless you work at Lanny's Clocktower Cabaret in Denver. Find an innocent pink sparkly butterfly bra ($40), a naughtier bra decorated in bright yellow caution tape ($30) or a show-stopping bra covered in colorful feathers and sequins, with a dream catcher accent ($80). That's barely the beginning of what you'll find at coloradocreationsco.etsy.com.
The yummy
Personalized fresh artisan sugar cookies: The Boulder Dessert Club (dorianoconnell.etsy.com) sells a variety of made-to-order, freshly baked cookies. For $18.95, get one personalized 5-inch cookie and six decorated 3-inch cookies. Pick your own message, whether it's a profession of love, an inside joke or even a hint for more V-Day fun to come.
The wild
A ZeBRA Giclee print: You've not seen wildlife quite like this. This handmade pen, ink and watercolor limited-edition print, $50, is from the "Animals in Negligee" series. Dark, edgy and original, this piece is made by Erin King of deadwilderart.etsy.com in Boulder. Tip: All gift-set orders of $50 or more get free shipping through today using the code FREELOVE14.
The Whoa!
A pentagram-shaped garter belt: This handmade, elastic black garter is shaped like a pentagram, $14.99, by the unique Boulder-based shop bluehazevintage.etsy.com. Here, you can also find a variety of chokers, other garters (like a rose and stud garter) and negligee. Custom orders available.
Contact Camera Staff Writer Aimee Heckel at 303-473-1359, email@example.com or twitter.com@Aimeemay.


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Feb. 19, 2006
CAMBRIDGE, Mass. - MIT women's swimming and diving closed out an outstanding effort at the 2006 NEWMAC Championships, earning two more national cuts and setting two additional Institute records while securing second place in the team standings. National power Springfield College won an unprecedented sixth consecutive team crown with Wellesley College finishing 140 points behind the Engineers for third.
Springfield senior Sarah Strout delivered the highlight of the night in Sunday's first final, winning the 1650 free with a championship and open record time of 17:18.62. Her time was five seconds under the NCAA "A" cut, while her performance off-set a great swim by MIT junior Kate Thornton, who finished second with an NCAA "B" cut and a clip of 17:32.16.
MIT's highlight of the night presented itself in the next event. While the Engineers had races that were equally as strong during the night, none proved more important than Julianna Edwards' first-place effort in the 200 back. Edwards completed the circuit in 2:07.46 to set a new Institute record. The NCAA "B" cut-performance also gave Tech a fourth swimmer to qualify for the NCAA Championships. Edwards had a slight edge at the 50 before powering past a duo from Springfield with a tremendous second lap.
Sophomore Sasha Brophy authored the second consecutive individual win for the Engineers, delivering outside heat en route to a first-place finish in the 100 free. Brophy started the race in lane eight, but a devastating final 25 yards powered her ahead of Springfield senior Emily Phillips and the rest of the chase pack as Brophy closed with a time of 53.41. Phillips' final time was 53.48.
Sophomore Doria Holbrook finished second on the three-meter board, despite setting another Institute record in diving. Battling alongside Smith sophomore, Shanti Freitas, the NEWMAC boasts two of the top divers in the nation. Freitas grabbed a commanding lead in prelims during the three-meter competition, but Holbrook tightened the gap at finals. Her final dive was easily the best of the night, but it couldn't off-set the great performance by Freitas, who grabbed the Gold with a score of 487.80. Holbrook's record-breaking mark was 478.50.
Holbrook's scores at this year's championships tops the oldest records in the books for MIT women's swimming and diving as Lori Peterson set both previous records during the 1985 season.


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budget calculator household
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- TOW HITCH RECEIVER & WIRING HARNESS PACKAGE -inc: Tow Hitch Wiring Harness
- ALL-WEATHER FLOOR LINER PACKAGE (TMS) -inc: Cargo Liner All Weather Floor Liners
- Blind Spot Monitor (BSM) Blind Spot Sensor
- Airbag Occupancy Sensor
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Lane Departure Alert (lda) w/Steering Assist Lane Keeping Assist
- Dual Stage Driver And Passenger Front Airbags
- Outboard Front Lap And Shoulder Safety Belts -inc: Height Adjusters and Pretensioners
- Lane Departure Alert (lda) w/Steering Assist Lane Departure Warning
- Driver Knee Airbag and Passenger Cushion Front Airbag
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Rear Child Safety Locks
- Curtain 1st 2nd And 3rd Row Airbags
- Toyota Safety Sense P and Rear Cross-Traffic Alert (rcta)
- Side Impact Beams
- 150 Amp Alternator
- 4-Wheel Disc Brakes w/4-Wheel ABS Front Vented Discs Brake Assist and Hill Hold Control
- Front-Wheel Drive
- Electric Power-Assist Speed-Sensing Steering
- Front And Rear Anti-Roll Bars
- Double Wishbone Rear Suspension w/Coil Springs
- Towing Equipment -inc: Harness
- Engine Oil Cooler
- Engine: 3.5L V6 w/D-4S
- Engine Auto Stop-Start Feature
- Strut Front Suspension w/Coil Springs
- Gas-Pressurized Shock Absorbers
- 19.2 Gal. Fuel Tank
- GVWR: 5 840 lbs
- Transmission: Electronic 8-Speed Automatic (ECT-i) -inc: sequential shift mode w/dynamic rev management snow mode and uphill/downhill shift logic
- 1370# Maximum Payload
- 3.003 Axle Ratio
- Transmission w/Oil Cooler
- Single Stainless Steel Exhaust
- Lip Spoiler
- Express Open/Close Sliding And Tilting Glass 1st Row Sunroof w/Sunshade
- Power Liftgate Rear Cargo Access
- Flip-Up Rear Window w/Fixed Interval Wiper and Defroster
- Deep Tinted Glass
- Body-Colored Rear Bumper w/Black Rub Strip/Fascia Accent
- Front Fog Lamps
- LED Brakelights
- Fully Automatic Projector Beam Halogen Auto High-Beam Daytime Running Lights Preference Setting Headlamps w/Delay-Off
- Variable Intermittent Wipers w/Heated Wiper Park
- Tailgate/Rear Door Lock Included w/Power Door Locks
- Wheels: 18 Turbine-Look Alloy -inc: painted finish and black center caps
- Silver Grille
- Body-Colored Door Handles
- Fully Galvanized Steel Panels
- Chrome Side Windows Trim
- Roof Rack Rails Only
- Steel Spare Wheel
- Body-Colored Power Heated Side Mirrors w/Manual Folding and Turn Signal Indicator
- Tires: P245/60R18 105S AS
- Compact Spare Tire Stored Underbody w/Crankdown
- Clearcoat Paint
- Black Wheel Well Trim
- Body-Colored Front Bumper
- Analog Display
- Outside Temp Gauge
- Leatherette Door Trim Insert
- Manual Tilt/Telescoping Steering Column
- Locking Glove Box
- Front Center Armrest and Rear Seat Mounted Armrest
- HVAC -inc: Underseat Ducts and Headliner/Pillar Ducts
- Manual Adjustable Front Head Restraints and Manual Adjustable Rear Head Restraints
- Engine Immobilizer
- Valet Function
- Leather/Metal-Look Gear Shift Knob
- Remote Releases -Inc: Power Cargo Access Mechanical Fuel and Keyfob Rear Window
- Rear HVAC w/Separate Controls
- Air Filtration
- Power Rear Windows Fixed 3rd Row Windows and w/Manual Sun Blinds
- Full Carpet Floor Covering
- Fixed 60-40 Split-Bench 3rd Row Seat Front Manual Recline Manual Fold Into Floor 3 Manual and Adjustable Head Restraints
- Gauges -inc: Speedometer Odometer Engine Coolant Temp Tachometer Trip Odometer and Trip Computer
- Cruise Control w/Steering Wheel Controls
- 2 12V DC Power Outlets and 1 AC Power Outlet
- Bucket Folding Captain Front Facing Manual Reclining Fold Forward Seatback Rear Seat w/Manual Fore/Aft
- Driver And Passenger Visor Vanity Mirrors w/Driver And Passenger Illumination Driver And Passenger Auxiliary Mirror
- Systems Monitor
- Dual Zone Front Automatic Air Conditioning
- Leather/Metal-Look Steering Wheel
- Driver Foot Rest
- Full Cloth Headliner
- Radio: Entune Premium Audio w/Nav & App Suite -inc: the Entune Multimedia Bundle (8 high resolution touch-screen w/split screen display AM/FM CD player MP3/WMA playback capability 6 speakers auxiliary audio jack USB 2.0 port w/iPod connectivity and control advanced voice recognition hands-free phone capability phone book access and music streaming via Bluetooth wireless technology) Siri Eyes Free Entune App Suite Intelligent Touch controls SiriusXM Satellite Radio w/3-month complimentary SirusXM All Access trial HD Radio HD Radio predictive traffic and Doppler weather overlay AM/FM cache radio Gracenotes album cover art and integrated back up camera display w/projected path
- 2 12V DC Power Outlets
- Interior Trim -inc: Metal-Look Instrument Panel Insert Metal-Look Door Panel Insert and Chrome/Metal-Look Interior Accents
- Passenger Seat
- Day-Night Auto-Dimming Rearview Mirror
- 2 LCD Monitors In The Front
- Leather Seat Trim
- Rear Cupholder
- Seats w/Leatherette Back Material
- Carpet Floor Trim
- Radio w/Seek-Scan Clock Speed Compensated Volume Control Steering Wheel Controls and Internal Memory
- Cargo Space Lights
- Front And Rear Map Lights
- 2 Seatback Storage Pockets
- Full Floor Console w/Covered Storage Mini Overhead Console w/Storage Conversation Mirror 2 12V DC Power Outlets and 1 AC Power Outlet
- FOB Controls -inc: Trunk/Hatch/Tailgate
- Fade-To-Off Interior Lighting
- Remote Keyless Entry w/4 Door Curb/Courtesy Illuminated Entry Illuminated Ignition Switch and Panic Button
- Instrument Panel Bin Driver / Passenger And Rear Door Bins
- Trip Computer
- Trunk/Hatch Auto-Latch
- Heated Front Bucket Seats -inc: 8-way power adjustable driver's seat w/power thigh and lumbar support and 4-way power passenger seat
- 10-Way Driver Seat
- Proximity Key For Doors And Push Button Start
- Front Cupholder
- Delayed Accessory Power
- Distance Pacing
- Power 1st Row Windows w/Driver And Passenger 1-Touch Up/Down
- Power Door Locks w/Autolock Feature
- Garage Door Transmitter
- Window Grid Diversity Antenna
Email UsSearch Toyota Carlsbad Inventory
(855) 270-0583
Get Directions
Visit Dealer Website Toyota Carlsbad
5424 Paseo Del Norte
Carlsbad, CA 92008
(855) 270-0583
Get Directions
Visit Dealer Website Toyota Carlsbad
5424 Paseo Del Norte
Carlsbad, CA 92008
|Body Style
|Sport Utility
|Exterior Color
|Blizzard Pearl
|Interior Color
|Regular Unleaded V-6 3.5 L/211
|8-Speed Automatic w/OD
|Drive Type
|Fuel Type
|Gasoline Fuel
|Stock No.
BeachesCarlsbad is well known for its beautiful beaches. Most beaches in Carlsbad are the property of the State Parks Department of California. The department provides the public facilities, such as restrooms, picnic tables and parking. They also oversee the lifeguarding services. Unfortunately Carlsbad beaches are not dog friendly and there are fines for bringing Fido down to the beach. The South Carlsbad State Beach has a very busy and almost-always-booked camp ground with over 200 camping sites available. Be sure to book well in advance to get a spot.
MSRP excludes tax, license, registration, and options. MPG Based on current model year EPA mileage estimates. Use for comparison purposes only. Do not compare to models before 2008. Your actual mileage will vary depending on how you drive and maintain your vehicle.


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NVIDIA's VR platform – which includes NVIDIA® Quadro® VR Ready GPUs, and VRWorks™ SDKs – drives the world's greatest VR experiences based on the broadest and deepest VR solutions ecosystem.
Virtual Reality creation and consumption requires the highest-performance graphics to deliver the smoothest, most immersive and life-like VR experiences. Only NVIDIA VR Ready designated Quadro graphics have the level of performance and capabilities essential for best VR experiences across professional applications.
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Quadro brings desktop-class performance to incredibly powerful thin and light mobile workstations. Enjoy the ultimate creative freedom – the ability to tackle complex designs or scenes with ease, render photorealistic images interactively or develop and deliver lifelike immersive VR experiences at scale anytime, anywhere.
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VRWorks™ is a comprehensive suite of APIs, libraries, and engines that enable application and headset developers to create amazing Virtual Reality experiences. VRWorks enables a new level of presence by bringing physically realistic visuals, sound, touch interactions, and simulated environments to Virtual Reality.
NVIDIA Quadro®
RTX 8000, RTX 6000, RTX 5000, RTX 4000, GV100, GP100, P6000, P5000, or P4000
Intel® i5-4950 / Xeon E3-1240 v3 / AMD Ryzen 5 1500X or greater
HTC VIVE Pro (Quadro P5000 or greater), HTC VIVE, Oculus Rift, Windows Mixed Reality
HTC Vive, Oculus Rift
For the best VR experience, please download the Quadro R364 VR/Performance driver.
Quadro VR Solution Guide
Quadro VR Advantage
With a robust product portfolio, PNY delivers professional solutions for a diverse range of industries and applications.