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Where is Ellen DeGeneres' house in Santa Barbara, California — Montecito mudslide MAP
Toyota Connects With Alexa Voice AssistantAnalysts with RBC Capital Markets estimated that Amazon sold 33 million Echo devices in 2017, up from 4 million the prior year. The project involves Amazon and well-known manufacturers of personal computers, in particular, HP, Lenovo, ASUS and Acer.
CDC reports widespread flu activity in 46 statesIn Australia , the vaccine was effective in only about 10 percent of cases, according to The New England Journal of Medicine . Parents and guardians are required to give consent before their child receives the flu nasal spray vaccine in school.
Tesco Ireland sales up 4% over key Christmas periodMarks & Spencer has attributed unseasonal weather to a fall in sales across its clothing and home division over the third quarter. Clothing and homeware fell 2.8 percent, food also dropped by 0.4 percent despite being seen as the most successful sector.
Porn-Laden Gaming Apps Infiltrate Google PlayThe malware, which Check Point dubbed "AdultSwine", attacked users in three ways, with the pornographic ads only being one.
Chinese trade with North Korea dropped 50 percent last monthOne source who worked at one of the restaurants said performers could stay as part of a "cultural exchange" agreement between China and North Korea .
Michelle Williams earned only $1000 for reshoot after Spacey was droppedBut Tuesday, USA Today reported that Wahlberg's team negotiated his $1.5 million fee and Williams was not told about it. This would contradict director Ridley Scott's remarks to USA Today in December that "everyone did it for nothing".
Super Mario Odyssey getting free minigame and outfit DLCIn the "hide it" mode, you race against the 30-second timer to conceal balloons in the hardest to find places on the board. There will also be three new costumes added to the game, as well as several new filters for the games Snapshot Mode.
Feds issue guidance so states can pursue Medicaid work requirementAs of October 2017, almost 75m individuals were enrolled in Medicaid and the children's health insurance program (Chip). The move is expected to impact millions of Americans who rely on the state-federal program to help get health coverage.
Republican US Representative Issa of California to retire: statementCalifornia holds a jungle primary, which means the top two finishers - regardless of party - advance to the general election. But in 2018, the Democrats' efforts to unseat Issa already began snowballing.
Home and Away actress Jessica Falkholt has her life supportFalkholt's family were laid to rest after a funeral at St Mary's Catholic Church in Concord on Wednesday. He also thanked the "saviours" who risked their lives to pull Annabelle and Jessica from the inferno.
MLB Rumors: Astros To Land Gerrit Cole In Trade Despite Yankees' InterestAs for the Pirates , a full rebuild could soon follow with stars Andrew McCutchen and Josh Harrison up next on the trade block. Right now the Yankees have Luis Severino, Masahiro Tanaka, Sonny Gray, CC Sabathia and Jordan Montgomery in their rotation.
Natural disaster in Caribbean prompts tsunami warning; no deaths reportedThe natural disaster rattled window in the Honduran capital of Tegucigalpa over 320 miles away and was also felt as far as Mexico. "Amazing trip to #Cancun ended last night with our condo shaking like insane as a result of an quake off the coast of Honduras".


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Dr. John Degenhardt
- Anesthesiology
- Portland, OR
- Languages supported at his practice: English, Spanish
Accepting New Patients
Treats Children
Dr. Degenhardt's Background
John H. Degenhardt, DO is a practicing Anesthesiologist in Portland, OR. Dr. Degenhardt graduated from University of Missouri Kansas City School of Medicine in 1986 and has been in practice for 31 years. He currently practices at Oregon Anesthesiology Group and is affiliated with Legacy Emanuel Medical Center, Legacy Good Samaritan Medical Center and Legacy Meridian Park Medical Center. Dr. Degenhardt accepts multiple insurance plans including Medicare, Providence Health System and Medicaid. In addition to English, Dr. Degenhardt's practice supports this language: Spanish.
Hospital Affiliations
- Legacy Emanuel Medical Center
- Legacy Good Samaritan Medical Center
- Legacy Meridian Park Medical Center
- Oregon Health & Science University Hospital
- Portland VA Medical Center
- Providence St Vincent Medical Center
- Shriners Hospital for Children Portland
- Medical School, 1986
- University of Missouri Kansas City School of Medicine
- Kansas City, MO
Learn More About Anesthesiology
Article See All Articles
Get Your Test Results Yet?Ever not hear back on tests your doctor ordered? And assumed that no news is good news? Best pick up the phone. Why? Because research suggests that about 7 percent of patients with abnormal test results ...Read More
Questions See All Questions

subset: commoncrawl


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Murphy: 911th Airlift Wing to remain open
In the end, it was the strong community effort, its track record and dollars and cents that all came together to save the 911th Airlift Wing from the chopping block.
The Moon Township airbase had been threatened with closure by the Air Force Reserve, which wanted to retire its eight C-130H Hercules aircraft and shut the installation that employs 312 civilians and 1,300 reservists. But legislators managed to urge the Air Force to reconsider.
Advocates said the base, which uses the facilities and runways of the Pittsburgh International Airport, is the most cost effective in the Air Force. The Air Force agreed, announcing Wednedsay its decision to keep the base open until at least 2014.
"The 911th is an installation that has such powerful features to it that it kind of sells itself," U.S. Sen. Bob Casey, D-Pa., one of the base's advocates in Washington, told the Pittsburgh Business Times on Wednesday afternoon.
Casey credited the base's work and its track record flying the C-130 as among the reasons why the Air Force made its decision. Plus, he noted the cost effectiveness of the base in the form of an agreement with the Allegheny County Airport Authority for services like cleaning the runways of snow and other infrastructure.
"One hundreds acres for 20 grand [a year]. You can't get that anywhere else," Casey said.
The announcement came after a year of intense lobbying by legislators, local officials and businesspeople who wanted to keep the base open.
"With every bump in the road—and there were many—southwestern Pennsylvanians refused to give up," U.S. Rep. Tim Murphy, R-Upper St. Clair, said in a prepared statement. "In the end, the Air Force finally agreed that the 911th is one of the most efficient, skilled and mission-ready airlift units in the country."
The decision was disclosed Wednesday morning to Pennsylvania's congressional delegation by Lt. Gen. Michael Moeller, deputy chief of staff of the Air Force for strategic plans and programs.
"It has been a challenging year for the wing, with the pending closure action weighing heavily on all personnel," said Col. Craig C. Peters, commander of the 911th Airlift Wing. "Today's news brings about excitement, relief and gratitude. There still remains some uncertainty and challenges ahead of us, but for today we breathe a big sigh of relief and remain focused on the mission."
The base is not necessarily safe from closure in the long-term. In the federal budget climate, the Department of Defense wants to shut even more bases and is expected to ask Congress for two more rounds of Base Realignment and Closure Commission work to close more military facilities. The earlier decision to close the 911th Airlift Wing was the result of budget cuts unrelated to either the sequester or a BRAC. Murphy and base advocates say the 911th's cost-effectiveness would help it with any BRAC closure process.
"Now that we've proven the 911th and its airlift mission are critical to our nation's national security and one of the most cost-effective bases in the country, I'm going to keep working to ensure the 911th is even better if there is a future nationwide BRAC process," Murphy said.
The 911th still has to contend with the effects of sequestration, which is cutting flying hours of the airlift wing by 18 percent and cutting the pay of civilian employees by 20 percent.
Things didn't look so promising a year ago, when the Air Force announced a wide range of cuts that would retire the 911th Airlift Wing's eight older-model C-130 Hercules aircraft and not replace them. Without aircraft, the base would close, taking with it 312 civilian jobs, more than 1,300 reservists and several generations of military tradition at the Moon Township air base that has its roots in World War II.
For the Air Force, it apparently was a simple decision: Cut costs by paring some of the older-model aircraft in the Air Force Reserve's inventory. But the base's advocates said from the beginning that the Air Force hadn't looked at all the facts.
The 911th Airlift Wing is located on one side of Pittsburgh International Airport, sharing runways and some services with the Allegheny County Airport Authority and civilian aircraft. The deal -- far from common in the military, which often prefers its own bases -- is much less costly than it would be for the military to use its own crews.
Base advocates were able to use data on cost savings and other reasons to help make the case. In the end, the military agreed.
"That's not an easy thing to do many times," said Bernadette Puzzuole, interim president and CEO of the Pittsburgh Airport Area Chamber of Commerce.
Puzzuole said Wednesday that the 911th Airlift Wing is a vital part of the airport region and local businesses, and she was thrilled about the decision. She said she was gratified "that an effort that was so dear to Sally Haas has been successful."
Haas, who passed away unexpectedly Dec. 27, was president and CEO of the Pittsburgh Airport Area Chamber of Commerce. She was a staunch advocate of the base and a key member of the coalition to save the 911th.


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Arguments for and against God are valid and can be sound. You have to ask if the argument you side with is because of something about the argument, or because it is entirely something about you. If it's all about you, then be gracious in honoring the dignity in the "something about others" as they see things differently, yet none the less, just as rationally sound as you and your own hunch.
This is agnosticism, ignosticism, theism, atheism, and apatheism in a nutshell:
A rational outlook would be to say a being that transcends reality cannot be known, since all we can know is reality, our frame of reference and what all our thoughts are contingent on.
Another would be to say that the question of the existence of such a being is incoherent, given the above, and no god-talk can be about God and in trying to signify God, it is literal nonsense.
Another would be to say that yes, much of the above in both cases is true. But since all thoughts are contingent to reality, the idea of God is natural and then valid; no one invented the idea. Given that numinous experiences do exist, this undergirds the relevance of the idea and its truth. Also, though we have no concept of God aside from experience and though what we say about God doesn't go for God, it is not nonsense because of relevance. Since our self concepts are based on contact with reality, it makes sense to say experience is why we exist and why we exist in the kind of world we do. Who we are and where we are is exactly how any transcendent being would equip us to discover whatever was meant to be discovered about the divine. And in that case, the question of God is then a necessary one because of its effect on us, and implied since again, reality made the question necessary. It makes sense to say that we in some way, are like whatever "Big Other" there may be and, the better we understand ourselves, the more we will understand whatever purpose we're here for. In other words, our experiences will be as full as they can be (which is God's aim), and our concepts of the divine as complete as they can be, all through the necessary, evolving conceptions of God we create, all in response to revelation in the practical sense; our developing sense of self in response to circumstance.
Of course, it's rational to say we start with brute facts of existing and the facts of existence and all other ideas we develop must be justified. Any claim of a supernatural realm or reality or being is unnecessary and so, are not justifiable because anything happening in reality is natural and can be explained in those terms alone. Any claim about deity is simply unjustifiable and then is discardable.
Then one may well look at the question of the existence of deity and rightly conclude that since all of these are rationally equivalent, and since we obviously adopt some view aside from these arguments in and of themselves, any answer is completely dubious. In such a case, there may or may not be a God, but because it is dubious, then a world where God exists and a world where God doesn't exist are identical and the implication of there being a God has no bearing whatever; "nothing" and "God" literally manifest identically in reality. So, there's nothing practical in saying "God exists" at all.


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The 127 Sexiest Alana Blanchard Pictures On The Internet
Alana Blanchard is the hottest American professional surfer and bikini model ever.
Her love for surfing started at age 4, when she surfed for the very first time. Being a surf prodigy, she took part in her first competition at age 9.
Alana is surfing on the ASP World Tour since 2009 with many other surfers below 20 years old such as Coco Ho, the australian World Champion WQS 2008 Sally Fitzgibbons and Paige Hareb from New Zealand.
She is best friend with her fellow surfer Bethany Hamilton, and was present when Bethany tragically lost her left arm to a shark attack.
Her results as a pro surfer are nothing short of impressive. She took first place in 2005 T&C Women's Pipeline Championships, 2005 HASA State Championships, 2005 NSSA Regionals Explorer Women, 2005 NSSA Regionals Explorer Girls, 2005 Rip Curl Grom Search Nationals, 2005 Triple Crown Rookie of the Year, Hawaii Women's Pipeline Championships, Spain Rip Curl Girls Festival Jr. Pro, Hawaii Roxy Pro Trials Haleiwa, Maui Billabong Pro Pre Trials Hookipa, and Kauai Volcom Pufferfish Surf Series Pinetrees.
Alana has several activities besides surfing: she is involved in designing Rip Curl bikinis, and she has her own television show on Network A, called "Surfer Girl" which follows her life as a professional surfer and model in Kauai.
It's also interesting to note that she was played by actress Lorraine Nicholson in the 2011 film Soul Surfer.
I hope you're already convinced that Alana Blanchard is the hottest surfer alive. If you're still on the fence, just wait until you see the sexy Alana Blanchard pictures in our collection.
I'm pretty sure you enjoyed our gallery of the sexiest Alana Blanchard pictures. We've got more for you with our galleries of sexy Emilia Clarke pictures, and sexy Cheryl Cole pictures.


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Concept: Pharmaceutical drug
Regulating Compounding Pharmacies after NECC.
- The New England journal of medicine
- Published over 5 years ago
- Discuss
Food and Drug Administration (FDA) rules are often forged in crisis. After the 1937 sulfanilamide disaster that killed more than 100 people, Congress passed the Food, Drug, and Cosmetic Act (FDCA), requiring drugs to be safe and properly labeled. In 1962, a requirement was introduced for proof of drug efficacy through "adequate and well-controlled investigations," partly in response to the thalidomide tragedy. Rules protecting human-research subjects owe a debt to Tuskegee and Nuremberg. Sometimes it takes a disaster to spur the adoption of appropriate regulation. Today, compounding pharmacies are at the center of a controversy after a rare outbreak of . . .
Open source drug discovery in practice: a case study.
- PLoS neglected tropical diseases
- Published over 5 years ago
- Discuss
Open source drug discovery offers potential for developing new and inexpensive drugs to combat diseases that disproportionally affect the poor. The concept borrows two principle aspects from open source computing (i.e., collaboration and open access) and applies them to pharmaceutical innovation. By opening a project to external contributors, its research capacity may increase significantly. To date there are only a handful of open source R&D projects focusing on neglected diseases. We wanted to learn from these first movers, their successes and failures, in order to generate a better understanding of how a much-discussed theoretical concept works in practice and may be implemented.
The rationale for consuming cognitive enhancement drugs in university students and teachers
Cognitive enhancement (CE) is the pharmaceutical augmentation of mental abilities (e.g., learning or memory) without medical necessity. This topic has recently attracted widespread attention in scientific and social circles. However, knowledge regarding the mechanisms that underlie the decision to use CE medication is limited. To analyze these decisions, we used data from two online surveys of randomly sampled university teachers (N = 1,406) and students (N = 3,486). Each respondent evaluated one randomly selected vignette with regard to a hypothetical CE drug. We experimentally varied the characteristics of the drugs among vignettes and distributed them among respondents. In addition, the respondent's internalization of social norms with respect to CE drug use was measured. Our results revealed that students were more willing to enhance cognitive performance via drugs than university teachers, although the overall willingness was low. The probability of side effects and their strength reduced the willingness to use CE drugs among students and university teachers, whereas higher likelihoods and magnitudes of CE increased this propensity. In addition, the internalized norm against CE drug use influenced decision making: Higher internalization decreased the willingness to use such medications. Students' internalized norms more strongly affected CE abstinence compared with those of university teachers. Furthermore, internalized norms negatively interacted with the instrumental incentives for taking CE medication. This internalization limited the influence of and deliberation on instrumental incentives. This study is the first to provide empirical evidence regarding the importance of social norms and their influence on rational decision making with regard to CE. We identified previously undiscovered decision-making patterns concerning CE. Thus, this study provides insight into the motivators and inhibitors of CE drug use. These findings have implications for contending with CE behavior by highlighting the magnitude of potential side effects and by informing the debate regarding the ethics of CE use.
A questionnaire-based survey to assess patient satisfaction, ease-of-learning, ease-of-use, injection site pain and overall patient satisfaction of the follitropin-alpha (Gonal-f) filled-by-mass (FbM) prefilled pen compared with other systems of gonadotro
- Reproductive biology and endocrinology : RB&E
- Published over 5 years ago
- Discuss
BACKGROUND: Gonadotrophins are used routinely for follicular stimulation during ovarian induction and assisted reproduction techniques. Developments in recombinant follicle-stimulating hormone preparations and their injection devices have improved patient quality of life by enabling patients to self-administer treatment at home. The objective of this study was to investigate patient experiences of learning to use and overall satisfaction with the follitropin-alpha (Gonal-f) filled-by-mass (FbM) prefilled pen. METHODS: This questionnaire-based survey study was conducted in 23 fertility centres in Japan over a period of 14 months. Patients who were receiving fertility treatment with the follitropin-alpha (FbM) prefilled pen were asked to complete a questionnaire to assess their satisfaction, ease of learning and use, and injection site pain following treatment. RESULTS: A total of 663 women participated in the study. The majority of patients found the instructions for administering follitropin-alpha with the prefilled pen easy to understand (83.0%; n = 546/658) and patients found that a hands-on demonstration by a nurse or doctor was the most useful tool for learning to use the follitropin-alpha (FbM) prefilled pen (80.0%; n = 497/621). Forty-eight percent (n = 318) of patients in the study had previous experience with different types of fertility medications and the majority of these patients found the follitropin-alpha (FbM) prefilled pen easier to use (75.1%; n = 232/309) and less painful (89.0%; n = 347/390) than their previous medication. The majority (80.2%; n = 521/650) of patients reported overall satisfaction with the follitropin-alpha (FbM) prefilled pen. CONCLUSIONS: The follitropin-alpha (FbM) prefilled pen is an easy-to-use injection device according to this questionnaire-based survey. Patients who had experience of different types of fertility medication preferred the follitropin-alpha (FbM) prefilled pen to other injection devices.
Medication Nonadherence Among Medicare Beneficiaries with Comorbid Chronic Conditions: Influence of Pharmacy Dispensing Channel
- Journal of managed care & specialty pharmacy
- Published almost 2 years ago
- Discuss
Taking medications as prescribed is imperative for their effectiveness. In populations such as Medicare, where two thirds of Medicare beneficiaries have at least 2 or more chronic conditions requiring treatment with medications and account for more than 90% of Medicare health care spend, examining ways to improve medication adherence in patients with comorbidities is warranted.
Fungal Infections Associated with Contaminated Methylprednisolone Injections - Preliminary Report
- The New England journal of medicine
- Published over 5 years ago
- Discuss
Background Fungal infections are rare complications of injections for treatment of chronic pain. In September 2012, we initiated an investigation into fungal infections associated with injections of preservative-free methylprednisolone acetate that was purchased from a single compounding pharmacy. Methods Three lots of methylprednisolone acetate were recalled by the pharmacy; examination of unopened vials later revealed fungus. Notification of all persons potentially exposed to implicated methylprednisolone acetate was conducted by federal, state, and local public health officials and by staff at clinical facilities that administered the drug. We collected clinical data on standardized case-report forms, and we tested for the presence of fungi in isolates and specimens by examining cultures and performing polymerase-chain-reaction assays and histopathological and immunohistochemical testing. Results As of October 19, 2012, more than 99% of 13,534 potentially exposed persons had been contacted. As of December 10, there were 590 reported cases of infection in 19 states, with 37 deaths (6%). As of November 26, laboratory evidence of Exserohilum rostratum was present in specimens from 100 case patients (17%). Additional data were available for 386 case patients (65%); 300 of these patients (78%) had meningitis. Case patients had received a median of 1 injection (range, 1 to 6) of implicated methylprednisolone acetate. The median age of the patients was 64 years (range, 16 to 92), and the median incubation period was 20 days (range, 0 to 120); 33 patients (9%) had a stroke. Conclusions Analysis of preliminary data from a large multistate outbreak of fungal infections showed substantial morbidity and mortality. The infections were associated with injection of a contaminated glucocorticoid medication from a single compounding pharmacy. Rapid public health actions included prompt recall of the implicated product, notification of exposed persons, and early outreach to clinicians.
Mobile Phone Apps to Improve Medication Adherence: A Systematic Stepwise Process to Identify High-Quality Apps
- JMIR mHealth and uHealth
- Published over 1 year ago
- Discuss
There are a growing number of mobile phone apps available to support people in taking their medications and to improve medication adherence. However, little is known about how these apps differ in terms of features, quality, and effectiveness.
Payment of Emergency Medication by VA. Final rule
- Federal register
- Published over 2 years ago
- Discuss
The Department of Veterans Affairs (VA) is amending its medical regulations that govern reimbursement of emergency treatment provided by non-VA medical care providers. VA is clarifying its regulations insofar as it involves the reimbursement of medications prescribed or provided to the veteran during the episode of non-VA emergency treatment.
Herbal Products in Italy: The Thin Line between Phytotherapy, Nutrition and Parapharmaceuticals; A Normative Overview of the Fastest Growing Market in Europe
- Pharmaceuticals (Basel, Switzerland)
- Published over 1 year ago
- Discuss
The Italian herbal products market is the most prosperous in Europe. The proof is represented by the use of these products in several marketing categories, ranging from medicine to nutrition and cosmetics. Market and legislation in Italy are at the same time cause and consequence of this peculiar situation. In fact, the legislation on botanical food supplements in Italy is very permissive and at the same time the market shows an overall satisfaction of users and strong feedback in terms of consumption, which brings a widening use of medicinal plants, formerly the prerogative of pharmaceuticals, to other fields such as nutrition. This review summarizes the market and normative panorama of herbal products in Italy, highlighting the blurred boundaries of health indications, marketing authorizations and quality controls between herbal medicines and non pharmaceutical products, such as food supplements, cosmetics and other herbal-based "parapharmaceuticals".
The 21st Century Cures Act - Will It Take Us Back in Time?
- The New England journal of medicine
- Published almost 3 years ago
- Discuss
In May 2015, the 21st Century Cures Act was introduced in the U.S. House of Representatives, with the goal of promoting the development and speeding the approval of new drugs and devices.(1) Championed by the pharmaceutical, biotechnology, and device industries, the bill was approved unanimously (51 to 0) in committee and continues to be debated. If enacted into law, some of its provisions could have a profound effect on what is known about the safety and efficacy of medical products, as well as which ones become available for use. Some aspects of the bill could indeed enhance the development of . . .


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Price of a stock
Gold PriceInstead, they are used as guidelines for what future growth could look like if similar circumstances are encountered by the company.EBITDA stands for earnings before interest, taxes, depreciation and amortization.
Provides charts of the current gold price per ounce, gram and kilogram in 23 major currencies.For any valuation technique, it is important to look at a range of forecast values.Get inspired by ten thousand new, high-resolution images added daily.The market price is the current price at which an asset or service can be bought or sold.
There are two basic approaches, Fundamental Analysis and Technical Analysis.This form of valuation is very hard to understand or predict, and it often drives the short-term stock market trends.If the ratio is higher or lower than expected, one should look closely at the assets to see what could be over or understating the figure.
Price Of Viagra Stock | Best Offer! - ufrtusa.org
YHOO Stock Price & News - Yahoo! Inc. - Wall Street JournalThe total net debt is equal to total long and short term debt plus accounts payable, minus accounts receivable, minus cash.
The Price Relative indicator is simply the base security divided by the comparative security.
Why It May Be Time for Amazon to Split Its Stock - TheStreetThe more people that want to buy the stock, the higher its price will be.This figure is useful because it compares the current stock price to the annual sales.Agilent Technologies Inc. stock price, stock quotes and financial overviews from MarketWatch.
The asset pricing formula only applies to debt-holding companies.A stock index or stock market index is a measurement of the value of a section of the stock market.This is probably the most rigorous approximation that is practical.Be informed and ahead with our real-time stock quotes, deep tools and calculators, and breaking news and.The asset pricing formula can be used on a market aggregate level as well.
In financial markets, stock valuation is the method of calculating theoretical values of companies and their stocks.EPS is the Net income available to common shareholders of the company divided by the number of shares outstanding.


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What it says on the tin
The Melbourne Cup can be seen as a marketplace:
· The race is the medium
· The horses are the brand
· The TABs are the sales outlets
· The punters are the customers
The benefit of purchasing a brand – ie. betting on a horse – is that it makes you part of a larger community and allows you to participate in the dominating discourse of the day.
Last year, I came close to not betting and it made me feel like an outsider. It actually was a reminder of the fact that I'm not from Australia. I ran up to the local pub and placed some bets and was awarded by an instant feeling of satisfaction and belonging, and the receipts were entry tickets to the platform of the collective consciousness, from which I could successfully interact with fellow punters. Participating provided me with a sense of belonging.
The horses aren't separate brands; they're varieties of the same one. Which horse or horses you bet on says something about: a) your knowledge about racing and the competing horses (some people are the early adopters who influence the odds and the decisions of the rest); and b) your willingness to take risk, and thus your personality.
These things, however, are of no importance. Today, there are two kinds of people: those who bet, and those who don't. Either you're in or you're out. Losing is what unites us, much more so than winning.
Melbourne Cup is a positive event which should use its status to actively include everyone. For me as a Norwegian, it helps me to acculturate. I do, however, wonder whether it may be a negative experience for those who come from non-western cultures.
If the act of participation signifies being a true Aussie, the organisers have a communication issue to be taken seriously. A. national event like this receives massive media coverage, and while it alone may not be sufficient to make outsiders of immigrants, the event may become an unwilling contributor to a larger trend where 'Aussie'/'not Aussie' becomes the deciding trait by which insiders and outsiders in society are defined and polarised.
OK, off to see the race now. Good luck!
Update: My money was on, amongst others, Warringah. It lead the entire race, but finished last!! I lost money, but it gave me something to talk about with the guys I met in the lift who also lost. A $40 conversation. I didn't really feel like talking to guy I know who won.


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Black poetry celebrated
October 28, 2016
These are the unedited statements submitted by attendees of AKEBA's open forum in response to the racially offensive graphic printed in the Oct. 23 edition of Cardinal Points. This list will be updated as more comments come in. Cardinal Points has chosen to publish these statements unattributed.


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2016 Israel Training
Join Us
- Preparing for Crisis - From the Jerusalem Post
- Arutz Sheva: Israeli Firefighters Get Some American Help
- EVP Spokesman Eitan Charnoff on CBN
- Introduction to the EVP
- Lovers of Zion Saving Lives in Israel
- EVP Firefighters for Israel Program
- EVP Disaster Management Training Program
- In Israel Teresa Hung testimony
- Debra's training trip to israel with EVP
- Jerusalem Post
- Ready to assist in case of war
- EVP NYC Firefighters
- 90 WAFB News
Operation Ready
EVP Medical Teams
Our Medical Teams
EVP Medical volunteers are needed with a wide variety of background and skills to work alongside the Israeli partners in the ER, OR, ICU, Operating Theater, Delivery Rooms and other hospital departments.
EVP is recruiting certified and active medical service personnel - doctors, PA's, nurses and paramedics with the following specializations:
- Doctors and PA's: orthopods, anethesiologists, ICU, trauma, surgery (especially thoracic), opthomalogists, plastic surgery, ER, internal medicine.
- Nurses: ER, OR, ICU, pediatric and NICU, recovery room, and maternity.
- Paramedics: active filed paramedics with a minimum of 2 years of field experience.
EVP provides training orientation programs for the medical teams locally and in Israel. EVP, along with the Israeli emergency service organizations, will train and prepare foreign medical teams to deploy to Israel in an emergency.
Volunteers will be certified as and acknowledged to volunteer in Israel throughout the year and also in the event of an emergency.
EVP medical volunteers will be assigned to a local/regional deployment team and the team will be assigned to one of 2 different hospitals in Israel.
Deployments are initiated at the request of the hospitals, however, in extreme scenarios (earthquake or war) when normal communications may be disrupted, deployment will be initiated and facilitated according to a pre-planned emergency program.
All responders who deploy to Israel must be certified by the Israeli hospitals, Health Ministry and EVP, which means they have completed all required training, hold valid certification(s) according to their professional status, and are ready for deployment.
During any non-emergency deployment, emergency deployment or formal EVP training in Israel, volunteers will be covered through the State of Israel and/or a commercial insurance company according a pre-arranged policy. Policy details and coverage will be provided to responders.


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Top 5 Gadgets For TravelingJuly 24, 2015 | EditorOne
When you are on traveling, you can surely use a few life-hacks to make your trip smoother and smarter. The advancement in technology has brought to us some amazing gadgets to take on with us when we are traveling. There are so many portable gadgets to choose from, however, in our list we are suggesting the ones with more usability.
Let's take a look at the top five gadgets for traveling.
1. Plastic Card
In this age of e-cards and advanced electronic payment services, managing physical cards can be an irritating fit and an extra burden on your tiny pocket. Not to mention, there could be 2-8 at times, all necessary to carry, but don't worry, Plastic Card is here to save the day. By virtue of its RFID-enabled and on-chip PIN, you can leave all your cards behind at home, and conduct transactions of 20 different cards through … Read More
5 Life Changing Gadgets!July 18, 2015 | Neha C
It's no surprise that the gadgets industry is constantly evolving. New gadgets are being introduced at top speed for solving so many dilemmas present in your daily lives. While there are some innovators who make gadgets that target the big problems, there are some who noticed the small problems and invented some real cool gadgets. Once you lay your hands upon these gadgets, you will thank them for removing the little annoyances in your life. Here are five gadgets that promise to make your life easier:
Wall Socket Safe
Did travelling last month to various places to attend functions hosted by relatives made you lose your peace of mind because of valuables lying at home? Are your travel visits sudden leaving you with no time to deposit your precious items at bank before going? Or are you someone who owns many confidential files and fears losing them? Say hello to Wall … Read More
HTC One M10: The Miracle From HTCFebruary 28, 2015 | Admin
HTC is always considered as one of the top brands creating premium devices but it has never tasted the feel of crown on being top in the markets, but future plans of HTC shows that HTC is working for it. HTC smartphones are one of those, which are premium with quality and design but never offered cheaper. And HTC release one flagship per year, for example HTC One M8 last year and HTC One M9 this year, and now we have rumours to see the next launching flagship of HTC would release in 2015.
The last HTC One M8 design was awesome, if we talk about the front panel of the device, which was occupied by the screen, which is flanked above and below by two zones, which include aluminum, grills both speakers. This speaker layout is the same as we saw in the HTC One and make … Read More
Samsung Galaxy Tab S: The King Of TabletsFebruary 20, 2015 | Admin
Samsung have the king of phablets the Samsung Galaxy Note 4, king of smartphones the Samsung Galaxy S6 and here comes the overview of the king of the tablets the Samsung Galaxy Tab S. It appeared in the market in 2014 and now Samsung planned to launch the next generation of these devices. And the surprising thing is the first generation Samsung Galaxy Tab S is enough powerful to beat the performance of iPad Air or iPad Mini series.
Inside the Samsung Galaxy Tab S, there is the combination of powerful Exynos 5 Octa processor including Quad-Core pair @ 1.9 GHz, 3 GB of RAM and 16 GB of storage (expandable via microSD) ensure sufficient hardware for any use. As in other models, reserves the power of quad-core when (games or demanding multitasking scenario) is necessary and sufficient for normal use with one core to run smoothly and, incidentally, save … Read More
Olympus Stylus Tough TG-860 Camera ReviewFebruary 9, 2015 | EditorOne
Olympus is one of the most reliable brands that is honored for advanced and durable camera technology. The company has recently launched an all-new camera series designed for junkies who want to capture fast action under extreme conditions with shockproof and waterproof equipment. This camera series is called Stylus Tough, which features different products like TG-3, TG-860 and TG-850. This document will specifically review the TG-860 by thoroughly exploring its features and capabilities.
Key Specs
Olympus Stylus Tough TG-860 is a compact and smart digital camera design to work in really extreme conditions. That is the main reason why it has Tough nametag. It has a 16 megapixel image sensor that captures high quality photos with 5x optical zoom, 4x digital zoom and 2x super resolution zoom. Having a focal length of 3.74 – 18.7mm, the TG-860 can take wide angle pictures, reflecting every gorgeous detail. To get … Read More
Comparing Card PrintersJanuary 26, 2015 | EditorOne
If your business is home in Montreal, then you realize the importance of staying ahead of the competition, as Montreal is the largest city in Quebec and the second largest economy. There are many different industries that help keep Montreal growing fast and advancing in many different areas. When it comes to beating your competitors in any industry, it is important to purchase the proper office equipment or tools needed in your industry so you can ensure your success. Card printers are no exception. If your company could use a card printer, you should ensure that the one you purchase offers the features you need or you will be wasting your money.
When you start your search for an office card printer the best way to ensure you purchase one that will fit your needs is by comparing the features. Fargo is the most popular card printer on the market today; … Read More
Know Your Next Tech: Galaxy S7December 16, 2014 | Betty E
The world of Smartphone is going to witness major transformation with the launch of much awaited Samsung Galaxy S7. As we can see, it has become a norm to launch smart phones with faster, powerful and amazing specs and features. According to the Tech gurus, upcoming year of 2015 is going to be a revolutionary year in terms of smart phones. As per the Samsung engineers , they are busy in examining the most advanced Smartphone of the decade which is obviously our very own much awaited Samsung Galaxy S7.
So , here we are to help you with all sort of details regarding the Samsung Galaxy S7, from its release date to its features and specifications.
* Release Date
Within a few more months, the release of the Samsung Galaxy S7 can be expected. The launching date is almost near and so it is soon going to … Read More
Tablet Take-Over: 4 Killer Accessories For TabletsDecember 5, 2014 | Anica O
The future of personal computing is light, mobile and filled with truly useful accessories. Not long ago, tablet manufacturers were mostly interested in developing hardware that could only be enhanced with the use of mobile apps. These days, however, the focus is on truly extending the functionality of tablets with useful accessories. The following four accessories allow tablet users to transform their devices into highly efficient productivity machines.
Let's face it: mobile apps that enhance the touch typing functionality of tablets can only go so far. The popularity of tablets that sell with a case and special keyboard is a testament to the fact that tablet manufacturers are not going to bid goodbye to the sheer convenience of full, external keyboards. If anything, the new generation of keyboard accessories for tablets actually improves upon the tablet experience by offering Bluetooth connectivity, back lighting, integrated numeric pads, track pads, and more.
Google Nexus 6 Release Date Soon , New Features ExpectedAugust 30, 2014 | Blogo
Google Nexus 6 Launch Date
It's the year of great flagships & Nexus 6 is one of them. The price of Google Nexus 5 have already slashed and next Nexus will launch soon in the market. Recently released premium Smart phones and others which are all set to get launch in few days like Galaxy Note 4, Sony Xperia Z3 and iPhone 6 have forced Google to rethink about early release of its next flagship Nexus 6.
Google Nexus To Have All New OS
Google is planning to launch Android L with Nexus 6 with simply stunning new features and rooting the phone is another option. Smartphone world is quite dense now with great flagships releasing one after the other and new OS will certainly add unique value to Google's next in line up, Nexus 6. Samsung Galaxy Note 5 will also have a new OS android 5.0 version.
Nexus 6 … Read More
Point and Shoot Cameras – Reasons To Buy OneJune 24, 2014 | BloggerNS
Photography has become a passion and profession for many in the recent times. As a result, different types of high end cameras have come up in the market. Apart from the DSLR cameras, which can be extremely costly, different other types of cameras such as point and shoot cameras have come up in the market. These cameras are low in cost and have some major features which are similar to DSLR cameras. The affordability of these cameras has made the point and shoot cameras quite popular in the market. If you know the right usage of these cameras, you will be able to use them to the optimum and get to click high end images!
Point and Shoot Cameras
Point and shoot cameras are considered to be those which do not require the option of SLR cameras as these cameras do not have extra lenses, filters or any kind of complicated … Read More
Coolest New Gadgets For Automotives 2014June 17, 2014 | Alice Aires
Each and every year different automotive accessories enter the market. And the ones you include in your vehicle express components of your personality. If you are the kind of entertainment liking person then you will add entertainment gadgets to your car, while if you are the time conscious ones then automatically you will go for the speed gadgets. Generally while referring to the automotive you include bikes, motorcycles and even the boats. Below are some of the Coolest New Gadgets for Automotives 2014:
The Cell-Control
· This majorly deals with the backseat driving. For instance a person is likely to cause an accident if he or she is driving while texting, this is majorly due to the reduced concentration. The cell control now comes in that it helps you in controlling your phone even while you are driving. At least with its appearance in the market, accidents have reduced.
The Grip Strip
· This Gadget … Read More
Learn How To Choose Stylus Pen In 5 Steps – A How To GuideJune 12, 2014 | Himanshu S
Stylus pens are used for touch screen electronic devices which include tablet, computers and cell phones. Stylus is a writing instrument that works by touch or pressure. Regular pen and stylus pen work in a similar fashion but the main difference lies in the fact that stylus pen has plastic or cloth ball point so as to prevents the screen from damage. A stylus usually resembles a pen, hence the name stylus pen and it can be used to select options, write or draw on a touchscreen.
Why use a Stylus
Stylus is used for touchscreen or stylus enabled devices. At times using a stylus may seem absurd but the following advantages will surely change your perspective:
– More comfortable mainly when you need to touch the screen frequently
– High precision
– No fingerprints on screen hence no constant cleaning
– At … Read More
5 Modern Day Super Machines and How They WorkMay 9, 2014 | Anica O
When we think of technology today, most of us will immediately think of the super slim products coming from Apple, Samsung, and HTC. We think of how everything is getting so small and super fast. However, there are technologies that lie outside of the mainstream that involve massive machinery and incredibly big jobs. We call these "super machines" and they do some of the most interesting jobs. Here's some highlights of what these machines are and what they do:
1. ABG Titan Road Paver
The ABG Titan Road Raver is a 25 ton tarmac road paver that has the ability to deposit 19 inch thick tarmac spreading 52 feet across in a single pass. The paver accomplishes this feat through sheer size. Dump trucks constantly feed asphalt into the paver's hopper. With the help of a corkscrew, the paver evenly distributes mixed tarmac onto the ground in a crack free layer, making it perfect for … Read More


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Where does boredom come from? The fact that we are genuinely bored? Maybe it's because we know that there is so much more we can be doing in life but we have not het reach that level.
I also wonder how does boredom work when you have extreme levels of freedom and or wealth? If lot of freedom and money still cause boredom there must be something scientific to it. Maybe I'm just overthinking it.
Who knows. Fight boredom.


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Question about EPoX EP-8KMM3I Motherboard
Hi, I try to download its VGA driver but from company website ftp link was not working somehow could you please direct me the alternative VGA driver directory or something ... Appreciate
Posted by talalafzal on
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
A 6ya expert can help you resolve that issue over the phone in a minute or two.
Best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
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Posted on Jan 02, 2017
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Nice timing for back spasms and sciatic pain
Strangely, it doesn't hurt during an actual squat so I was able to squat as long as I ignored the distraction during the unrack and walkout. It really hurt trying to set up with an arch on the bench press so I had to do my sets with zero leg drive and almost no arch. I did two light sets of deadlifts just to see if it would rear its ugly head but there was no protest on the pull, just when bending over to get to the bar.
I think I'll just have to hit the anti-inflammatories hard till Saturday along with as much stretching and whirlpool/steam room as possible to get it to loosen up.
Squat: 135x10, 225x5, 315x5, 385x1, 425x1, 445x1, 445x1, 385x1
Worked up to two singles with my opening attempt, everything felt pretty good. Will probably open at 200 kgs (440 lbs) just to be conservative.
Bench Press: 135x10, 185x5, 225x3, 275x1, 295x1, 305x1
(sarcasm) Pressing with no leg drive and almost no arch along with some pretty good pain in my left glute and leg was fun (/sarcasm). At least I was able to press my opener under duress and without a lift off. If the back spasms are gone on Saturday, I'll stay with my plan to open at 140 kgs (308 lbs), otherwise, I'll open at 137.5 kgs (303 lbs).
Deadlift: 315x5x2 sets.
Just did these to test my back. It passed.
Vivian's parents recently celebrated their 50th wedding anniversary. That takes real devotion and more than a little endurance and determination. Congratulations Singe and Marilyn!


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- Canadian firm brings storytelling magic to Lego headquarters in DenmarkThe Globe and Mail
- Former Nixon White House Counsel: Trump Might Have Obstructed Justice to Prevent Russia InvestigationThe InterceptWashington , United States , Israel , Russia
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- The warnings Nixon would give TrumpNew York Post
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Question about Palm Z22 Handheld
Hot sync is taking place but the actual contacts are not syncing to the device even though it says it synced.
Posted by rkexpress on
Check what is the action set to address book (contacts) conduit in the HotSync manager in System tray, make sure that it is set to "Synchronize the files" or you can change it to "desktop overwrite handheld" then perform a Sync.
Posted on Oct 30, 2008
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
A 6ya expert can help you resolve that issue over the phone in a minute or two.
Best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
The service is completely free and covers almost anything you can think of (from cars to computers, handyman, and even drones).
click here to download the app (for users in the US for now) and get all the help you need.
Good luck!
Posted on Jan 02, 2017
Tips for a great answer:
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Judy and Carol came to class today. Judy made the last two pages for her daughter's album. It is going to be wonderful. She just has to write her dedication and she will be able to give it to her daughter. Great job,Judy!!
This is a close-up of the A Wish Came True title I cut with the Cricut.
I added some stickles and it looked great! Love that Storybook cartridge!!
I did not get a picture of Carol's project, but she is making a mini album


text:
02b: Sarah Michelle Gellar / Faith Hill
Making the Video
Christina Aguilera.....Sarah Michelle Gellar
David LaChapelle.....Jimmy Fallon
Vetiver Lee.....Tracy Morgan
Extra 1.....Chris Kattan
Extra 2.....Maya Rudolph
Assistant director.....Amy Poehler
Guy in Mexican wrestling mask.....Horatio Sanz
Redman.....Dean Edwards
[text scrolls down, CHRISTINA AGUILERA]
Announcer: On this episode of "Making the Video" go for a ride with Christina Aguilera.
Christina Aguilera: Oh, yo, this is gonna get dirrty, y'all!
[text scrolls down, "DIRRTY"]
Announcer: And check out the world premiere of her new video, "Dirrty".
[SUPER: Los Angeles -8:13 P.M.]
David LaChapelle: This video is gonna be real nasty, and real LaChapelle-like. A lot of subversive things, a lot of plushies, a lot of bad smells. It's sort of like if you pulled up a stink clog and Christina was hanging from it.
Christina Aguilera: David LaChapelle and me, you know, we sort of co-did this video together. The song is called "Dirrty" but I wanted to call the song "[bleep] Guzzling [bleep]" but L'il Kim already used that.
Vetiver Lee: I was gonna put these little red panties on - on Christina. But she doesn't want to wear no pantie-P's. So I just spray painted her poo-poo red. Oh, we gotta grease you up, girl. Gimme that pork chop, throw ya ass around.
Christina Aguilera: You know that dirrty feeling, you know, when you wake up with no pants on, face down on the floor and you got like, like a condom in your ear? Well that's the feeling we're trying to create. I love that feeling. DAMN!
Extra 1: Sometimes I get what I call a "Christina burn" from her, humping on me so hard.
Extra 2: Well, once I had a Christina burn on my back.
Assistant director: Okay, listen up, dancers and the first row of masturbators, I will be spraying you with an artificial B.O. Do not worry, it's only the water that they boil the lobsters in. Focus up.
David LaChapelle: Okay, guys. Okay, guys. Get up on it. Get up on this. Okay? And action.
["Dirrty" plays in the background as everyone starts dancing.]
Christina Aguilera: CUT! DAVID!
Assistant director: David? David?
David LaChapelle: Okay, what do you want? Tell David LaChapelle what you want.
Christina Aguilera: It ain't dirrty enough!
David LaChapelle: Can we get more urine in the fog machine, please?
Assistant director: Okay, could everybody take another dip in the litter boxes, please? And I am missing the guy in the Mexican wrestling mask.
Guy in Mexican wrestling mask: I just threw up in my mask!
Assistant director: Please wait for your cue next time! Okay, we're moving on, everybody - moving on to the party. Let's get Redman.
Redman: Yo, you know what I'm sayin'? When I first came here, Christina ain't had her stuff together, so I had to get down like that. You know what I'm sayin'? It's crazy - ill crazy! Ill maddy!
Assistant director: Hey, hey, can we get some more boogers on these kickboxers?
David LaChapelle: Okay, okay, now, Christina wanted me to have you to sniff this for inspiration. (holds sweaty washcloth which puts Redman to sleep) Perfect.
Christina Aguilera: I'm really excited about Redman being in my video. He is so dirrty, like me. We had sex a bunch of times, but we hadn't met, you know, formally.
[As Redman is being filmed, his lines from "Dirrty" play in the background.]
Christina Aguilera: Yo, CUT! David!
David LaChapelle: Yes, yes, yes - what, what, what?
Christina Aguilera: It just ain't skanky enough! Y'know, I ain't feeling it!
David LaChapelle: All right, let me... let LaChapelle think. Think, LaChapelle. Who are you? What do you think?
Christina Aguilera: You know, I ain't no director, but - I could, y'know ride somebody's leg while they farted. (humps on extra 1's leg)
David LaChapelle: True.
Christina Aguilera: I just feel so free now, y'know. When people see this video, they're gonna stop thinking of me as some blond-haired bubblegum music industry ho and start thinking of me as a actual ho, y'know, like the kind that hang out at Carni[bleep] Mmm-hmm.
["Dirrty" plays in the background as everyone dances.]
Christina Aguilera: David!
Assistant director: David? David?
David LaChapelle: Yes, yes.
Christina Aguilera: It just - it just ain't skanky enough!
David LaChapelle: Okay. Uh-oh, uh-oh. Okay. Let me think. Okay, guess who center square is? David LaChapelle, me. And I think I know what Christina needs.
Assistant director: Okay, could we have quiet, please? Stop all the work, please. (chickens start clucking) Please take all the chickens outside for a moment.
David LaChapelle: No, I want the chickens to hear this.
Assistant director: Okay, cancel that. Chickens stay.
David LaChapelle: I got it. We need a large red rubber baboon ass.
Assistant director: Props, I need a red baboon ass yesterday.
Christina Aguilera: Oh, you are a dirrty genus!
David LaChapelle: Perfect. This is it. This is going to work. This is going to work. You're gonna move this. Let's try it again, and everybody - action!
["Dirrty" plays one more time as everybody dances. Christina is wearing the rubber baboon ass and shaking it as she dances.]
Submitted by: Mike S.


text:
The following is an excellent excerpt from the book "ALL THE DEVILS ARE HERE: The Hidden History of the Financial Crisis" by Bethany McLean and Joe Nocera from Chapter 3 "The Big, Fat Gap" on page 45 and I quote: "And those who persisted in criticizing Fannie Mae? They learned to regret it. When some of Fannie's large competitors, worried about its growing dominance, launched an organization called FM Watch to keep tabs on the GSEs, Fannie openly threatened them. GE Capital CEO Denis Nayden told the Wall Street Journal that GE was on the "receiving end of multiple communications from Fannie Mae indicating that GE would suffer financial consequences if GE remained a member of FM Watch." Said Hank Greenberg, the chief executive of AIG: "They use their muscle to threaten competitors, and that's an outrage." Soon, FM Watch stopped disclosing the names of its members.
When the Congressional Budget Office published a report in May 1996 estimating that about 40 percent of Fannie and Freddie's profits were due to their implied government support, Fannie Mae denounced the report, calling it the work of "economic pencil brains who wouldn't recognize something that works for ordinary home buyers if it bit them in their erasers."
When the General Accounting Office wrote in a letter to house majority leader Richard Armey that the GSEs received a government subsidy amounting to $2.2 billion in 1995, the letter's author, James Bothwell, says that he received a call from Franklin Raines, who was then the vice chairman of Fannie Mae. According to Bothwell, Raines demanded that he take out the line about the subsidy–and if he didn't, Raines would make a call that might cost Bothwell his job. Bothwell refused. In the end, he didn't lose his job. (Raines denies the incident.)
And when, in 1996, the Treasury Department was preparing to issue a tough report on the GSEs, Fannie somehow managed to get it watered down–and turned into a largely positive report–before it ever saw the light of day. The early draft, for instance, said that if the GSEs were privatized, "Fannie Mae and Freddie Mac would be exposed to the full discipline of private capital market investors, rather than the weakened and distorted discipline resulting from GSE status." That sentence was gone from the final report. The draft also contained a paragraph that cited several reasons why ending government sponsorship "should also improve the safety and soundness of the housing finance market." That was gone from the final report, too. The fifth chapter of the draft disappeared entirely. It has been entitled "Policy Options for Altering the Relationship Between the Federal Government and the GSEs."
No one who's talking can prove what happened, but those who know about the rewrite have long speculated that Johnson put in a call to his friend, Bill Clinton or to Treasury Secretary Robert Rubin, another friend. Johnson has denied calling either man. The mystery was never solved.
The ferocity of Fannie Mae's response to criticism was strange, in a way. After all, Fannie Mae and Freddie Mac did play an important role in homeownership. Their guarantees allowed more people to buy homes. Over time, they made it possible for mortgage originators like Countrywide to overtake the dying S&L industry as the country's primary mortgage lender–thus keeping the mortgage spigot open even as the thrifts were shutting down.
And Fannie and Freddie had far more friends than critics, including some powerful Republicans. Republican senator Phil Gramm, an ardent champion of free markets, was in as good a position as any to cause Fannie and Freddie trouble; he became chairman of the Senate banking committee in 1994. But Gramm always gave Fannie and Freddie a pass. Why? Because, like Johnson, Gramm saw the political fruit that homeownership could beat. According to a former banking committee staffer, the Republicans studied what it was that made people vote Republican. "The number one predictor of voting Republican was a job in the private sector," he said. "Number two, and it's a close second, is that you own your own home." He adds, "Gramm preached that gospel to all who would listen."
Then again, maybe Fannie's tendency, as Maloni later put it, "to throw one brick too many rather than one brick too few" wasn't so surprising after all. When you got right down to it, there was something about the GSEs' business model that made no sense. Nobody in his or her right mind would establish a company whose competitive advantage was built on a guarantee that was nowhere written down and that no one could say for sure even existed. Yet that was the premise upon which Fannie Mae and Freddie Mac had built their dominance. Their advantages were based in large part on the belief by investors that the government would never let the GSEs default.
When Fannie dealt with investors, it encouraged that perception. (It once claimed that its securities were even safer than triple-A-rated bonds because of the "implied government backing of Fannie Mae.") Yet whenever anyone in government brought it up, Fannie Mae went mildly berserk. To admit that it had government backing would mean admitting that taxpayer support was the key source of Fannie's huge profits–and that taxpayers would be on the hook if anything went wrong. And that was something Fannie could never concede. That's why even the most muted criticism was treated as life or death–because Fannie Mae always felt that it was life or death. Some former lobbyists used to compare Fannie to the old Oakland Raiders, whose motto in the seventies was "Just win, baby."
There was another reason why Fannie Mae was so quick to push back against it critics. Over time, the bulk of its profits were being generated from an activity that critics said–correctly–had nothing whatsoever to do with helping people buy affordable homes.
The business of stamping mortgages with its guarantee and turning them into mortgage-backed securities was a good, steady business. It gave Fannie Mae and Freddie Mac immense power in the marketplace. But while profitable, it wasn't off-the-charts profitable; it didn't generate the kind of profits that put companies in the upper echelon of American business. For that, Fannie and Freddie turned to another activity; they began to build up their own portfolio of mortgages and mortgage-backed securities, which they held on their own books, instead of selling them to investors.
Although owning a portfolio of mortgages had almost bankrupted Fannie in the early 1980s, the company never got rid of its portfolio entirely. "We always viewed it as a core part of the business," says Maxwell. Fannie's mantra was "Good times and bad," meaning it would be in the market when investors were eager to buy mortgages, as well as when they were uninterested–and the only alternative was for Fannie to hold the mortgages in a portfolio. Maxwell, typically, had kept the portfolio fairly small so it wouldn't attract too much attention.
Johnson, also typically, expanded it exponentially. The core idea behind the portfolio reflected, once again, the advantages of being a GSE. Fannie and Freddie would issue some of that low-cost debt their implied government backing made possible, use that money to buy higher-yielding mortgages, and pocket the difference. "The big, fat gap," Federal Reserve chairman Alan Greenspan used to call it disparagingly, a phrase that perfectly captures the almost moronic simplicity of the strategy. By the end of 1998, Fannie had a $415 billion portfolio of mortgages, up from just $156 billion in 1992. In its 1996 report to Congress, the Congressional Budget Office estimated that the profit margin on this business was four or five times higher than the guarantee business. By the end of the decade, it accounted for most of Fannie's profits.
This business also helped make Fannie even more of a force on Wall Street. Over the years, it paid Street firms hundreds of millions of dollars worth of fees to issue all the debt. "People dealt with them [Fannie and Freddie] as if they were sovereign credits," says one former Wall Streeter. "You just knew better than to get on the wrong side of them."
By the end of the decade, Fannie Mae had become America's third largest corporation, ranked by assets. Freddie was close behind. The companies were ranked one and two respectively on Fortune's list of the most profitable companies per employee. Fannie's stock price had soared. Its market value under Johnson went from the $10.5 billion he'd inherited from Maxwell to over $70 billion. "There is no other financial institution in America with such a significant share of such a huge market," Johnson said in one speech, and he was exactly right.
Here's the great irony of the mortgage market in the 1990s: to the extent that lower- and moderate-income Americans were being swept along in the rising tide of homeownership in the 1990s, it was happening not because of Fannie and Freddie but despite them. The replacement of the S&L industry by the new mortgage origination companies; the toughening , in the 1990s, of the Community Reinvestment Act, which forced banks to make loans to people in poorer neighborhoods; even the rise of the subprime industry (though it was more focused on refinancings than new home loans)–these were all factors in helping poorer people own homes. Fannie and Freddie may have been given a federal mandate to help lower- and moderate-income Americans buy homes, but the GSEs were cautious about the credit risk they took. They preferred to game their housing goals rather than meet them, using methods that Fannie referred to internally as "stupid pet tricks." They wanted nothing to do with subprime. Subprime loans didn't conform. And anyway, there was so much money to be made elsewhere.
Many affordable housing activists found this infuriating. For all its sanctimony about its mission, they complained, the GSEs did very little for those who truly needed help. Both John Taylor, the CEO of the National Community Reinvestment Coalition, and Judy Kennedy, the former Freddie lobbyist in charge of the National Association of Affordable Housing Lenders, complained bitterly about Fannie and Freddie. Repeated studies by HUD showed that the GSEs' purchases of loans made to lower-income borrowers lagged the market.
That's not to say Fannie and Freddie did nothing. When Countrywide ginned up its program to provide low-income mortgages, it sold them to Fannie through a special program Fannie had set up to handle such loans. But back then, programs like Countrywide's were small and highly controlled–experiments, really, and valid ones at that, because they sought an answer to an important question. As Dan Mudd would later ask, "Do you want to live in a country where someone who has a blemish on their credit, or someone who happens to be a minority, can't get a home? Where do you draw the line?"
Mostly, though, Fannie Mae made no apologies for its stance. "I used to say that the goal at Fannie was to have a seamless yes to anyone who wants to do anything for housing," Johnson later said. "But we didn't say yes to crap, to fraud. We were probing the boundaries, but it was carefully circumscribed."
Says a former Fannie executive: "About 98 percent of our mortgages were done at market rates. We were giving them away a little at the edge of the big machine." This person adds: "Johnson's attitude was, 'I am not going to let the government define what affordable housing is to this company."
That would soon begin to change, however. In 1999, Andrew Cuomo, who had been appointed HUD secretary during Bill Clinton's second term and was a true believer in affordable housing, proposed increasing the affordable housing goals. To an unusual degree, Cuomo was immune to Fannie's charms and impervious to its threats. He'd already taken on Johnson on another issue, and did not back down when Fannie pushed back. In July 1999, the GSEs agreed that by 2001, 50 percent of the mortgages they guaranteed would be loans made to low- or middle-income Americans. One way the GSEs could meet those goals, of course, was by lowering their underwriting standards, just as the subprime industry had done. Indeed, the housers at Fannie had high hopes that their company could serve as the sheriff in the lawless world of subprime lending. An exhaustive study Fannie had done revealed that many subprime borrowers were so fearful of being rejected that they were willing to pay very high rates just to hear a yes. Some studies showed that plenty of subprime customers could have qualified for a prime loan–meaning they were paying far more for their mortgages than they had to. Fannie said it could use its clout to make sure that borrowers got a fair deal.
Later, many conservative critics of the GSEs would come to see this moment as the capitulation of Fannie and Freddie to the Clinton affordable housing drive. That wasn't really true. The real reason Fannie was willing to finally move into riskier territory was the same reason Countrywide did: profits. Subprime was taking off–and the GSEs were sitting on the sidelines. "Their motivation to enter this market is to continue a phenomenal record of amazing shareholder enrichment," Anne Canfield, a longtime critic of the GSEs, wrote at the time. There was another potential issue, too. At a congressional hearing in June of 2000, the Reverend Graylan Scott Hagler of the Plymouth Congregational United Church of Christ, in Washington, D.C., who also claimed that the GSEs were entering the subprime business to "maximize returns," said, "The real fear here is that when the economy goes south, or just through, if Fannie and Freddie are engaged in these subprime markets, then they will get left holding the bag, and the American taxpayer with them."
Says a former Fannie executive: "It met our business goals. You have to start there. All the criticisms about Fannie being too shareholder driven and too profit driven–they are true! Shareholders were an important constituency at Fannie. For the smart people we brought in, they were the only constituency."
Still, Fannie moved cautiously. In 2000, it put out guidelines listing what sort of riskier loans it would buy; Cuomo used those guidelines in Fannie's affordable housing goals. Under the new rules, certain kinds of high-risk loans, ones that consumer advocates felt took undue advantage of borrowers, wouldn't count toward Fannie and Freddie's affordable housing goals. There is no data to prove that the GSEs avoided those loans, although neither company ever guaranteed large quantities of loans that they considered subprime.
In the end, though, it didn't really matter whether Fannie and Freddie moved into riskier mortgages quickly or slowly, reluctantly or gleefully. What mattered was that they entered this new market at all. In so doing, they gave their imprimatur to what had previously been an entirely separate universe. A line that had once been absolute was now blurring. "The whole definition of subprime was 'the stuff that Fannie and Freddie wouldn't touch'" a former executive explains. No longer.
Much later, Maxwell would concede, with great sadness, that Fannie Mae had forgotten a simple question: Why are we here? If Fannie Mae had kept that question paramount, the company would have remembered that it didn't exist solely to generate ever-increasing profits or to keep pace with the private market, but to supply liquidity when the housing market needed it. If Fannie had remembered that, the company might have found in moral compassion when it needed it most–and maybe left a different legacy."
LaVern Isely, Progressive, Overtaxed Independent Middle Class Taxpayer and Public Citizen Member and USAF Veteran
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Hotel Lancaster
Select your stay dates to check availability at Hotel Lancaster
Hotel Lancaster
About the Hotel
Property Location
Located in Montevideo (Downtown Montevideo), Hotel Lancaster is minutes from Pedagogico Jose Pedro Varela Museum and Cagancha Square. This hotel is within close proximity of Fountain of Locks and Palacio Piria.
Make yourself at home in one of the 80 air-conditioned rooms featuring minibars and flat-screen televisions. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Conveniences include safes and complimentary newspapers.
Make use of convenient amenities, which include complimentary wireless Internet access and tour/ticket assistance.
Quench your thirst with your favorite drink at a bar/lounge. A complimentary buffet breakfast is included.
Business, Other Amenities
Featured amenities include a business center, dry cleaning/laundry services, and a 24-hour front desk. Event facilities at this hotel consist of conference space and meeting rooms.
Hotel Facilities
- Bar/lounge
- Free WiFi
- Total number of rooms - 80
- Free breakfast
- Laundry facilities
- Luggage storage
- Tours/ticket assistance
- Conference space
- Meeting rooms
- Business center
- Dry cleaning/laundry service
- 24-hour front desk
- Airport transportation
Room Facilities
- Hair dryer
- Flat-panel TV
- In-room safe
- Minibar
- Free WiFi
- Free newspaper
- Cable TV service
Hotel Policy
Mandatory Fees and Taxes
You'll be asked to pay the following charges at the property:
- All citizens of Uruguay will be charged the national value-added tax (10%) from November 15 to the day after Easter. However, business travelers from firms in Uruguay will be charged the value-added tax year round. Foreigners on a tourist visa are exempt from this tax.
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.Show all hotel policy Show less hotel policy


text:
Contact Us
Discover Wolfe Island
For Reservations:
(613) 385-1515
Or Complete the Form Below:
Transportation from Winter Dock available with Reservation!
Reservations Can Be Made:
Fridays from 4pm to 10pm
Saturdays from 11am to 10pm
Sundays from 11am to 4pm
Online Reservation Request
Please use our
Contact Page
for all other inquiries
12 Hours Notice Required to Reserve Online
Reservations Will Be Made For The Patio Unless Otherwise Specified
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