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Want to sue your phone or cable company in small claims court?
Here's everything you need to know.
Your phone or cable contract probably says you can't sue them in any court except Small Claims Court. It can be complicated and time consuming, but suing companies like AT&T, Comcast, or Verizon in small claims court usually gets you what you want.
Start a demand for arbitration in under 10 minutes
You only pay if you win compensation (or learn more)
Step 1: Make sure your claim qualifies for Small Claims Court.
Ready to sue your phone company or cable company in small claims court? Small claims courts are only for certain types of claims, so your first step is to make sure your claim can be filed. There are two things you need to pay attention to:
The amount of money: Every small claims court sets a maximum dollar size for the claim you can bring. In most states it's either $5000 or $10,000, but it can be as low as $2,500 (in Kentucky and Rhode Island). You can find a list of all 50 states' monetary limits here.
The type of relief: There are two types of awards that you can seek in a lawsuit - monetary (a dollar value payment) and equitable (any non-monetary request). Most small claims courts can only grant monetary awards.
If your claim doesn't fall within the limits of your state's small claims court, you'll have to arbitrate your claim instead.
Step 2: Send a demand letter.
Most small claims courts require that you ask the person you're suing (the "defendant") to fix your problem voluntarily before you file your claim. So if you want to sue a company like AT&T, Comcast, or Verizon in small claims court, you need to send them a demand letter first.
Your demand letter can be simple and straightforward - tell the company who you are (your name, address, phone number and account number), what the problem is, and what you want from them. The whole letter can be a few sentences - remember that you are just checking a box before you file your actual claim.
When you're done writing, you need to mail a hard copy of the letter, preferably as certified mail or some other service that allows you to confirm delivery, to the address listed in your phone contract or cable contract.
If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.
Step 3: Fill out court forms.
In order to sue companies like Charter Spectrum, Optimum, or T-Mobile in small claims court, you're going to need to fill out some paper work.
Each state has a set of forms that need to be filled out to file a claim, and sometimes counties will provide additional forms. The correct forms for your location will be available for free on your state court's website.
Make sure you fill out enough forms - most states that require you to file forms by mail or in-person will ask for 3 or 4 copies. If you don't have the right number, they will not accept your claim.
Step 4: File your complaint form with the court.
When you're done filling out the court forms, it's time to give those forms to the court. This process, called "filing" can be a bit tricky.
Many courts will require you to physically come to the courthouse during specific hours and days to hand-deliver the forms to the court's clerk. Other courts may allow you to file by mail, fax or (for a few courts) online.
All courts will require you to pay a filing fee before they allow your to sue the cable or phone company in small claims. This fee, which will be published on your court's website, can sometimes be waved if you are a low income plaintiff.
When you file your forms, the court clerk will provide you with a stamped copy of the forms and a court date. Keep it safe and bring it with you on the day of your hearing.
Step 5: "Serve" your forms on the Phone or Cable Company.
If you've made it this far - good work! Suing companies like Cox, DirecTV, or U.S. Cellular in small claims is a long and tough process.
Now that you've filed the papers required to start your case against the phone or cable company, you need to tell the company that it's been sued. This is a called "serving" them. To do this, you need to deliver a copy of your filed papers to the phone or cable company.
Look at your court's website for instructions on how to properly deliver your forms to the company, or search for "[your state] small claims service of process". Courts have many strange rules about how to serve a defendant, and your claim will be dropped if you do not follow them perfectly. So be careful!
Step 6: Show up for your court date.
When the court clerk gives you a court date (after you file your forms), make sure to put it on your calendar.
Make sure you know which courthouse to go to. Bring your copy of your filed forms, and any other evidence that backs up your case against the phone or cable company.
Sometimes, the phone or cable company will not show up to oppose you. If that happens, take advantage of the situation to focus on your side of the story.
Ready to sue the phone company or cable company in small claims court?
If this sounds too hard and expensive, try consumer arbitration instead…
Start an Arbitration Claim Against Your Phone or Cable Company Right Here
an Alternative to Small Claims Court
Or learn more about filing a claim through Radvocate and avoiding small claims hassles


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Be a part of a unique online community that connects post production professionals and film academics worldwide.
You'll have access to personalize your news feed, access to Live Post Talks and much more. Contribute to the community by posting interesting post production content.
February 17, 2011, 9:36 pm
Kicking off the 2011 AiR program on February 10, Mewshop welcomes Bobbie O'Steen, Emmy-nominated film editor and critically acclaimed author. Following her extensive work in the cutting room, Bobbie wrote Cut to the Chase, based on interviews with her late husband and colleague, legendary film editor Sam O'Steen. This fascinating book takes the reader behind the scenes of some of the most influential movies in motion picture history, including "The Graduate" and "Chinatown."
October 17, 2019, 7:15 pm
In the second of his articles for FCP.co, ex FCPX Product Manager Steve Bayes gives us his thoughts on the recent IBC trade show in Amsterdam. As he led the team who launched the fastest NLE, he also gives us his suggestions on the best way to benefit from the extra editing speed from new hardware.
October 17, 2019, 4:03 pm
Minority Report has a lot to answer for, not least the stimulus given to a million articles like this about the future of the human-machine interface. Controlling internet-connected devices with gesture and voice is widely seen as the future but nothing has come close to the slick air interface imagined in Steven Spielberg's 2002 movie.
October 17, 2019, 4:03 pm
HighlightText gives you 32 animated title templates that highlight text by word or by line.
October 17, 2019, 1:23 pm
Avid previewed a new release of Pro Tools that supports 4K and UHD playback at the Audio Engineering Society (AES) show in New York today.
October 17, 2019, 1:23 pm
On the first day of AES in New York Avid has announced the latest release of Pro Tools 2019, primarily focused towards post-production users, which will support higher video resolutions and frame rates, including support for 4K video and new Dolby Atmos Workflows.
October 17, 2019, 1:23 pm
It's almost Halloween, so why not learn to create a spooky text animation effect while boosting your After Effects skills at the same time? You can do just that in our new course, Create a "Stranger Things" Inspired Text Animation in Adobe After Effects.
October 17, 2019, 1:23 pm
At SIGGRAPH in LA earlier this year, SideFX hosted a great panel discussion with female VFX artists.
October 17, 2019, 1:22 pm
DNEG discuss the importance of authenticity in this video about their VFX for Chernobyl.
October 16, 2019, 1:03 pm
Music is thought of after the event a bit too much in video production, which is always a mistake. You might concentrate on the visuals but in the vast majority of cases the people watching them will be watching and listening at the same time and nothing, but nothing, spoils great content more than bad music. There's no point blowing all your budget on camera and lens hire and then tacking on some cheesy EDM right at the end in post unless you really want to be remembered for all the wrong reasons.
October 16, 2019, 1:02 pm
The Art of the Cut podcast brings the fantastic conversations that Steve Hullfish has with world renowned editors into your car, living room, editing suite and beyond. In each episode, Steve talks with editors ranging from emerging stars to Oscar and Emmy winners. Hear from the top editors of today about their careers, editing workflows and about their work on some of the biggest films and TV shows of the year.
Lawrence Jordan joins Gordon to discuss editing, 2-pop, and his new venture Master the workflow.
Tom Ohanian is legendary; he helped create Avid and make it the industry standard in post-production and now, he has released ...
Gordon sits down with Michelle Miller to discuss the makeup of PEN15
Choose what Post News gets sent directly to your E-Mail, daily or weekly.
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subset: commoncrawl


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West marries college sweetheart
Actor DOMINIC WEST has wed his college sweetheart in a romantic ceremony in Ireland.
The Wire star married Catherine Fitzgerald in front of their loved ones at Glin Castle, the bride's family home in Limerick, Ireland, on Saturday (26Jun10).
Prior to the wedding, West said, "I'm so nervous I can barely speak", while Fitzgerald told reporters outside the ceremony: "I feel so excited, really happy, really thrilled. It's a fairytale."
The happy couple was also joined by West's co-stars from the hit U.S. cop show, Wendell Pierce, Andre Royo, Sonja Sohn and Doug Olear.
Sohn says, "We had to be here for this wedding. Dominic is our boy and he is in love with Catherine which is great."
And the weekend was a double celebration for the couple - the newlyweds were back in church in Sunday (27Jun10) for the christening of their three young children.


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inscription, writing on durable material. The art is called epigraphy. Modern inscriptions are made for permanent, monumental record, as on gravestones, cornerstones, and building fronts; they are often decorative and imitative of ancient (usually Roman) methods. The only current use of inscriptions that has no accepted substitute, the marking of graves, is also the oldest continuous use. The first writing was probably universally executed on hard materials, mainly stones (rough or hewn), clay (often marked when wet), metal, bone, and ivory. When light materials like paper were developed, it was possible to distinguish between writing for temporary use and permanent recording, and epigraphy became restricted.
For the history and examples of epigraphy, see histories of appropriate cultures, countries, languages, literatures, and periods of art. See also calligraphy .
Sections in this article:
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved.
See more Encyclopedia articles on: Language and Linguistics


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France's 'thugs and hoodlums are happy'
Issued on: Modified:
Is it a genuine bid for transparency or PR to beef up his reputation as tough on crime - or a bit of both? French Interior Minister Manuel Valls has decided to announce the number of vehicles burned in France during the year. He'll do so on New Year's Eve. His predecessors chose not to do that because, they argued, it minimised the chances of outbreaks of gang violence, especially on New Year's Eve itself.


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Main Content
Philosophy Dept Course Requirements
Students can major in philosophy and receive a Bachelor of Arts degree, or they can pursue a minor in philosophy, religious studies, or Science, Values, and Society.
Click one of the navigation links on the left to see the requirements for your program of interest.
The Philosophy Department at Southern Connecticut State University
501 Crescent Street • Engleman Hall D215A • New Haven, CT • 06515
Phone: (203) 392-6775 • Fax: (203) 392-6779


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Annual Report 2005
Setting the Stage
Preparing the ground; laying the foundation; building the framework—all phrases that express the idea that investments made today make possible the opportunities we will offer the public tomorrow. Perhaps "setting the stage" is the most appropriate way of characterizing planning that occurs at a living history museum, where the past is preserved and interpreted. Setting the stage describes how my Colonial Williamsburg colleagues and I spent 2005. From Historic Area programming to educational outreach, from hospitality operations to museums and collections, from fundraising to financial management, Colonial Williamsburg moved toward the end of a time of transition, and began to lift the curtain on a period in which our plans will be realized, and, I believe, embraced.
The most visible example of that advance was the translation of Colonial Williamsburg's Education for Citizenship initiative into planning for a dramatic interpretive program we titled the Revolutionary City. The scenes—depicting life in Williamsburg from 1774, as the Revolution began, to 1781, when the nation secured independence—portray the importance of the individual's participation in republican government. Written to engage visitors of all ages and performed in an area protected from 21st-century distractions, the scenes inspire and entertain while they educate. They link to programming taking place throughout the restored town. While in the Revolutionary City actor-interpreters and participants at the Capitol are debating war, at the Governor's Palace Lord Dunmore is condemning "those Revolutionaries," and the next day George Washington is at his Wythe House headquarters planning to humble Lord Cornwallis at Yorktown. Premiering in the spring of 2006, the Revolutionary City raises the curtain on a livelier Colonial Williamsburg not only for today but through the 2007 celebrations of the landing at Jamestown and America's 400th Anniversary, and beyond.
Foundation President Colin Campbell, who serves as Vice Chairman of the Jamestown 2007 steering committee; Williamsburg Mayor Jeanne Zeidler, Executive Director, Jamestown 2007; and Virginia Governor-elect Tim Kaine participate in the planting of America's Anniversary Garden at Jamestown. Colonial Williamsburg is a Founding Colony Sponsor of the Jamestown 2007 Commemoration.
Building on the momentum of the year ahead is how Colonial Williamsburg will secure the audiences of its future, and showcase the importance of our educational outreach endeavors. Education is central to an institution that takes for its motto "That the future may learn from the past." For years, we have been engaged in conversations about Education for Citizenship and preparing the stage to realize the potential of that theme on-site and off. Initiatives include development of a citizenship-focused website, expansion of our work with schools—with a particular focus on secondary education—and introduction of revolutionary methods of teaching.
In 2005, we broadcast seven Electronic Field Trips to millions of students in the nation's classrooms, our Teacher Institute grew to 23 weeks of on-site instruction to more than 500 teachers, and the number of our off-site teacher workshops rose significantly as well.
Our Internet-based presentations, including websites and electronic field trips, attracted 11.5 million visits. About 90,000 people a month downloaded our audio files and podcasts—behind-the-scenes interviews inaugurated in 2005. Embracing the digital age further, we prepared three Historic Area audio tours—on colonial architecture, on the sounds of the Revolution, and orientation—to be enjoyed by guests beginning in 2006. More will be added—focusing on collections for example—setting the stage for guests to more easily explore individual interests.
California schools adopted our next-generation teaching materials for their history-social studies curriculum. We developed these materials in partnership with Pearson Scott Foresman, the nation's largest publisher of elementary school textbooks. Once completed, we recognized the possibilities of addressing secondary schools and are developing a digitally delivered history curriculum relevant to the citizenship experiences of these students, many of whom reach the "legal" age of citizenship toward the end of their high school experience.
On stage in Virginia, work on the Williamsburg Lodge and Conference Center, a fitness center, and spa—the final stages of a five-year, $220 million program of facilities improvements—advanced toward a late-2006 conclusion. We are eagerly anticipating the reopening of the Lodge, the economic engine of Colonial Williamsburg's hospitality business, to support that enterprise and provide economic benefit for the Foundation and the community at large.
Just across the Colonial Parkway, construction crews are working toward the opening of the Museums of Colonial Williamsburg at the Public Hospital site. In late 2006, the Abby Aldrich Rockefeller Folk Art Museum and the DeWitt Wallace Decorative Arts Museum will reopen their doors in a single and easily accessible location.
At year's end, the Campaign for Colonial Williamsburg had raised $471 million, and, as I write, the figure stands at more than $492 million. The stage is set for the campaign to reach its $500 million goal during 2006. The annual fund had another record year, reaching nearly $13.4 million, an increase of $1 million, or 7.6 percent, over 2004. There were a record number of donors, more than 109,000, a 6.3 percent increase. While we are working to see still greater improvement, we are pleased that ticket sales reached 710,450, up slightly from 707,000 in 2004. Total tickets including Good Neighbors and complimentary admission to museum professionals and others increased to 734,000 from 729,000. We are looking forward to welcoming more visitors, particularly as we approach the Jamestown 2007 commemoration.
Investment in programs and facilities meant taking calculated risks to ensure our future. Even still, we maintained a strong balance sheet, with the endowment valued at $712 million at year's end, an increase of $23 million since 2004. This was achieved in the face of operating deficits which resulted from this period of transition, and which are a paramount focus of management to reduce and eventually eliminate.
In December, it will be 80 years since John D. Rockefeller Jr. sent a telegram to the Reverend W. A. R. Goodwin authorizing the purchase of the Ludwell-Paradise House and setting the stage for Williamsburg's restoration. Their project has played through many acts, but the script Mr. Rockefeller created for it has not changed: "to restore Williamsburg, so far as it may be possible, to what it was in the old colonial days and to make it a great center for historical study and inspiration." Our aim is to see that the curtain on America's beginning is always raised for all to see and take to heart.
Chairman, President, and Chief Executive Officer.
The Colonial Williamsburg Foundation


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Humanize Your Brand
Digital Marketing in the Wine Industry
Josh Camire is the Director of Digital Marketing and Communications at Jackson Family Wines.In this blog, he discusses how to humanize your wine brand, and toauthentically connect with your audiences on social platforms.
When it comes to connecting with any audience, but especially a social audience, the key is to humanize your brand. In doing that, a major obstacle marketers confront is some of the perceived snobbery that is deeply entrenched in the wine industry.
Wine has its own language – terminology and phrasing used exclusively by connoisseurs 'in the know'. So when it comes to making your brand and your product more accessible, it's important to choose wording that doesn't alienate your consumers. While there is a place for those types of discussions, they should be reserved for the limited audience that responds and will self-select for those kinds of conversations.
The first step is to create shorthand, or a more common and approachable language about your product. The second step is to widen the lens and make the brand about more than just wine – make it about the experience, the story, and above all, the people.
Contemporary audiences are generally divorced from what they consume. We go into the grocery store and pick out protein, veggies, and wine without knowing anything about what we're eating and drinking. Because of that, people love an opportunity to learn, connect, and better understand where the wine comes from, how it's made, and especially who is making it.
Focusing on the human element is the most authentic way to show consumers what your company is all about. For example, we consistently promote the fact that Kendall-Jackson is family owned. It's part of our DNA to tell the story of the family and above all the values of the family who owns and operates the company. We also tell the story of our extended family – the people who make up the company. That includes the farmers who care for and cultivate the land, the people who make sure the equipment is working, the office staff, the sales people all over the world, and even us here in the marketing and communications team. Everyone who plays a role in getting our product from grape to table is a part of our family, and they have a valuable place in the story we present every day.
Leveraging Opportunities: Undercover Boss
Earlier this year, the President of Kendall-Jackson was featured on the CBS show Undercover Boss. It was the perfect opportunity not only to introduce viewers to our management and company story, but also to showcase how our grapes are grown, and the different human personalities that make us successful.
A great example of this was a particular segment of the show focused on an employee named Rene. During the show he was cussing up a storm, knocking the company and knocking the customers – all without knowing he was talking to the Boss, Rick Tigner. Both during and after the show, Rick could have fired Rene, but he didn't. In the narrative of the show there was a great moment when Rene realized who he'd been interacting with. In that moment, the ability of both Rick and Rene to come to an understanding while still maintaining their own individual personalities became an endearing moment. Everyone has an inner rebel and so the audience could relate to how difficult it was for these two men to find a common ground. The willingness of Kendall-Jackson to be part of that moment is the backbone of authentic branding, and the most legitimate way to build customer loyalty.
Transmedia Storytelling
Transmedia storytelling is all about delivering relevant, interesting, accessible content in any format and at any time that your audience wants to consume it. In response to the Undercover Boss episode, we created a mobile site, a microsite, custom video content for our web properties, a YouTube channel and social content, and community management on Facebook and Twitter. We tried to provide the widest possible cross section of information and, most importantly, a narrative thread that was consistent across all platforms and interactions, yet uniquely tailored to leverage each specific community and following.
The Undercover Boss episode was all about family, and family is about legacy and wisdom, and preserving traditions and knowledge for future generations. We came up with a Words of Wisdom campaign to tie all the different threads together. The show was aired in January of this year, and just had its re-run on September 14. We're still able to leverage that content on different channels. Both before and after the show, we have continued distilling our content, trying to get to the universal heart of the message.
In an effort to support our content marketing strategy further, we went out and shot impromptu videos at our wine center, asking people to share their own Words of Wisdom to be passed down in their family and community. There was some great footage of a firefighter from Dallas, Texas. The call to action was really about encouraging people to participate and share their own stories (through pictures, videos and narrative) that would ideally help them connect to a larger community.
Get Real: Strategies to Humanize Your Wine Brand
Start by getting off the PR teat and getting real. Curtail the use of wine ratings and stock imagery of vineyards and bottles, and start talking about things people actually care about. There are always stories to capitalize on if you look in the right places and ask the right questions. For example, I was at Matanzas Creek Winery recently (a Jackson Family property) and learned by chance that it is one of the top ten places nationwide where people choose to get engaged. Tidbits like this are gold – much more valuable and interesting than a high point score on a particular wine. This speaks to passion and romance and gets people sentimental about their own engagement story or dreaming about the day they'll pop the question. There is a social campaign in the works to capitalize on this narrative thread and, once again, invite people to participate in our brand. Pinpoint the ways in which your wine, winery, team or community is special, what people are passionate about, what kinds of quirky personalities are part of your brand story and tell that story in a very universal way.
When I started this job, a lot of people asked: what's your relationship to wine? To me, it's about the social aspect of wine, cracking open a bottle and sharing with friends. A delicious wine can be the centerpiece of the moment, but the whole experience is really about the people you share it with. As marketers working in the wine industry, we can enrich our narrative by making it about much more than just the wine itself.
UC Davis will cover the latest in wine marketing strategies and techniques in the 13th Annual Wine Executive Program. Registration for March 2013 is now open. Brought to you by Graduate School of Management and the Department of Viticulture and Enology.


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An Overview of Child Development
|Print Motivation. Being excited about and interested in books.
|Phonological Awareness. Playing with the sounds in words.
|Narrative Skills. Telling stories and describing things.
|Enriched Vocabulary. Knowing the specific names of things.
|Print Awareness. Noticing print everywhere, knowing how to handle a book, and following words on a page.
|Letter Knowledge. Knowing the difference between how letters look, their names, and their sounds.
The single most important thing a family can do to help their children succeed in school is to prepare them to read. Scientific studies are documenting the physiological changes that occur in the brain that enable this to happen.
Nurturing a baby's healthy development, stimulating brain development, and maximizing learning work hand-in-hand with early literacy skills. When we help children become ready to read - help that begins at birth - we are addressing other important developmental needs as well.


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5 Hidden Costs of Remodeling
Labor. Materials. Pizza?
Some costs do not fit neatly into a renovation project's line-item budget, but if you ignore hidden costs, you will be left wondering why your wallet has sprung a leak. Prepare for these often unanticipated expenses:
1. Waste disposal. Dumping isn't free. If you wish to have a dumpster parked on a public street, most municipalities will charge you about $50. Some local governments even require a homeowners' insurance rider to cover dumpster-related injuries. No proof of insurance, no permit. No permit, no demolition work.
2. Child and pet care. Keep your children at a safe remove from the work zone. If necessary, hire a babysitter. Pets, too, can react badly to construction noise or to the sudden parade of unfamiliar men stomping around in steel-toe boots. Depending on the nature and duration of your project, you may choose to board your pets with a kennel (local rates vary).
Related: 7 Renovation Tips to Boost Resale Value
3. Meals of convenience. Delivery pizza and takeout Chinese food quickly lose their appeal, but if your kitchen is being renovated, your options at mealtime will be limited—and pricey. Not to mention that if you throw out all of your pantry staples that have passed their expiration date, you might spend $100 or more on restocking spices, baking supplies, and so on.
4. Landscaping. Extensive remodeling almost inevitably results in damage to landscaping: Flying shingles crush shrubs; stacks of lumber kill grass; and toxic spills destroy perennial flowers. Keep a list of the plants you must replace, so you can shop autumn sales at local nurseries.
5. Cleaning. Once work is complete, an industrial-strength deep-clean will be in order, especially if you are upgrading the home in order to sell it. According to Homeadvisor, you should expect to pay about $180 for a maid service, plus another $195 to have your carpets professionally cleaned.
For more on managing construction, consider:
Home Building Projects Estimating Checklist
2 Professionals Who Can Save You Thousands
Construction Site Living: Surviving Days (and Days) of DIY


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Unveiled at IFA 2016
At Europe's largest technology fair, we showcase our latest products that are set to redefine the way you watch, listen, capture and play.
At Europe's largest technology fair, we showcase our latest products that are set to redefine the way you watch, listen, capture and play.
The smartphone camera with advanced movement and colour capture. So, with the new Xperia™ XZ, life looks as beautiful as it is.
With industry leading noise cancellation, you can tune-in and tune-out your environment at a touch. The new MDR-1000X wireless headphones with SENSE ENGINE rewrite the rules on noise cancelling - tailored to you and the world around you.
Hear the detail with our flagship Walkman, pairing sophisticated sound technology with high-grade materials.
Crafted in Japan for a wide frequency and dynamic range, these headphones offer uncompromising personal listening.
Go one step further with this premium amp, combining the best of digital and analog sound technology.
Turn your quest for action into ultra-realistic movies. The FDR-X3000R Action Cam combines 4K shooting and now includes Balanced Optical SteadyShot™ (B.O.SS) for stunningly clear stable POV movies like never before.
We're shaping the future - making it smarter, more personal and connecting everything together. It's all designed to help you enjoy and share the things you love, live more creatively and work smarter.


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The third Rainbow Warrior is the first ship in our fleet designed and built specifically for Greenpeace. That means the Rainbow Warrior is not just one of the most environmentally-friendly ships ever made; she's also a campaigner's dream. We are thrilled she's now fighting with us for a green and peaceful future.Find out more.
Since 1996 the ship with no keel has taken on icy poles and shallow rivers around the world. Find out more.
Launched in February 2002, the Esperanza is the latest and largest of the Greenpeace fleet. Find out more.
Greenpeaces's smallest motorship is based in Rotterdam.Read more.
Inflatables are often out most effective tools at sea.Read more.
Our balloons have flown over the Berlin wall in 1983 and over the Nevada nuclear test site in 1987.Read more.
Cairn Energy's Stena Don oil rig is scaled by Greenpeace activists to demand an end to offshore drilling. The four climbers used RHIBS to dodge Danish Navy Commandos before climbing up the inside of the rig and hanging from it in tents...
1 - 4 of 4 results.


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Whilst seasoned roleplayers in SL think they have reached the pinnacle of RP etiquette, they haven't understood the definitions of common Roleplaying terms. The following is my interpretation and certainly open to debate.
IC/OOC Separation
The most misunderstood of all terms, its only usage now is in promoting bigotry, the mocking and the marginalisation of an entire RP community.
Does IC/OOC separation only apply to Lifestyle-Emoters who believe they are themselves online?
Lifestylers aren't roleplaying, they aren't roleplayers, so roleplaying etiquettes do not apply to them. Their activity online is entirely another realm of emoting. It's not for Roleplayers to vilify them and demand Lifestylers follow the same rules.
IC/OOC Separation in the context of roleplaying means, separating your OOC wants and ambitions, from your character's actual circumstance.
Person-A wants to FC Person-B because they're OOC'ly compatible and into one another. But the RP scenario favours Person-C. So does Person-A throw an OOC drama and get the partner they want, or go with the IC arrangement and roleplay out a mundane union.
I could fill a thread with scenarios of people OOC'ly manoeuvring and manipulating the opportunities available to their character, for keeping their IC progression aligned with their OOC interests. This is where IC/OOC Separation applies. And there are swathes of roleplayers frequently crossing this boundary but they won't see it, from believing IC/OOC only applies to kooky Lifestylers.
When you only roleplay with a select group of friends, it's an IC/OOC offence.
The last IC/OOC offence I witnessed was a funny one. This girl, who's probably a good roleplayer and has owned RP sims in the past, turned up on this freshly opened RP sim. So her first question in GC was, 'Who are the IC leaders on the sim'. One of the people roleplaying within a small crowd was named, so she heads directly to him, plants herself into that scene and over a few emotes, chases everyone off until that IC leader was controlled by her.
Given that she was a triple-paragraph roleplayer, from SL's society of good roleplaying. Could she say she didn't metagame her way in, but her entourage of NPCs enabled her introduction to a prominent character. And there is my personal issue with NPC employment. Even I use NPCs to fill in a background, they are ghosts without any tangible effect upon the roleplay, at the most they will serve food or carry messages. But modern NPC use has evolved to the level of enabling metagaming and even godmodding, when you're protected by an army, or spawn a dozen NPC guards to help you manage a situation. This, again, is forcing your OOC preference upon the IC direction of a scene, or just making your IC life easier by spawning NPCs to skip out on having to roleplay your way through.
Men are entirely guilty too when there's a female sim owner, she will be swarmed with Casanovas and every other stray IM'ing her with "Ohai sim owner, I'm your new best friend." All of these people will believe themselves the epitome of an excellent roleplayer, complete with a detailed back story, character flaws, strengths and all of those self-congratulating accolades these people carry around in their profiles.
The need, the greed, the hunger people have to feel important behind their keyboards absolutely affects the direction of sims, when they attach themselves to sim leaders and make themselves that person's priority. And when IC Leaders allow themselves to be smothered by groupies and don't have it in them to say 'Bitch, back the fuck up', then this group they were responsible for and consequently the sim are going down.
It all comes about from people parenting their characters and not allowing them to just drift with the roleplay. There will always be some control over your character's situation and placing them where you want them to be. Whether that's in a relationship, a rank or confined to a particular clique, it's a failure of IC/OOC separation.
Conflict RP
The second most misunderstood term in SLRP. My perspective on Conflict RP isn't what you do onto others, it's what you can endure when your character is on the bottom. That's the only gauge of how well you handle Conflict RP.
For anyone who says they like Conflict RP, they're only thinking of being on top, taking captives, committing atrocities, making other people's roleplay difficult. And these sorts of people will never accept the same being done onto them.
So the very mention of Conflict RP just makes me frown, because those who say it are often the worst at handling it. Very few people will roleplay through a dire situation, and the people on top will call the losing group the weaker roleplayers. But it's not the whole truth, because when the group on top comes into hard time, they will prove to be sore losers too.
The only individuals you can count on are those who've been through torture and legitimately roleplayed out their deaths. Then they can say they like Conflict RP. But the vast majority of others using this term will throw an OOC fit on breaking a fingernail.
Other ways of spotting cowardly Conflict RP, are male characters who randomly kill slaves. And those who challenge clearly inferior fighters to the death.


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Aspen Club to host talk about heart failure
April 12, 2013
Dr. Tristin J. Dow, with Colorado Health Medical Group, will present a program about what heart failure means, how it is treated and lifestyle modifications to help live a heart-healthy lifestyle
The presentation will run from 10:30-11:30 a.m. Tuesday at the 1900 16th St., Greeley. The program is free.
The University of Colorado Aspen Club offers quality wellness information programs and provides a wide range of benefits including health education, screenings and social opportunities for area residents while working in partnership with existing programs in the community that are targeted to serve people 50 years and older.
For more information or to register call, (970) 313-2796 or email email@example.com.


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Linda MA necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 81 diseños de 25 diseñadores freelance.
Absolute Advisory Group - enabling prosperity & peace of mind
Absolute Advisory Group is a new business/brand that has been developed through the collaboration of a group of independent professional service providers based in Sydney, Australia.
The Group's philosophy is that their collective clients' will benefit by utilizing professional services provided from within the group, who have a like minded approach to the delivery of their services and will collaborate where relevant to ensure the best outcomes for their clients.
The Group is essentially a one-stop-shop (although we don't plan to use that term) for all their business advisory needs and initially will include the following services/solutions:
1. financial planning
2. tax and accounting
3. corporate advisor
4. legal services
5. business coaching
6. marketing services
7. succession planning
In the future additional professional services may be added to the groups' offering.
Each business will operate under a sub-brand of Absolute Advisory Group, however marketing efforts (website, direct mail campaigns, participation at trade shows etc) for the "Group" will be branded as Absolute Advisory Group.
Master Brand:
Absolute Advisory Group - Enabling prosperity & peace of mind
Sub Brands:
Absolute Advisory
Absolute Absolute Wealth Advisors
Absolute Business Lawyers
Absolute Taxation & Management Accountants
above are all to contain the same tag line/positioning statement
- Family business' (not corporate)
- in early stage growing business'
- professionals
- Delegators – happy to outsource
- Entrepreneurial
- Value Independence
- Future financial security
- Balanced financial/ lifestyle goals
- Identify with smaller firm
- Reluctance to use larger firms
- Looking for company with similar scale to their own
- Want personalised service
- Want to relate with their advisor /s well
- Value for money
- Peace of mind
- Recommendation - trust
Brand Values: Client focused, professional, results driven, passionate & caring, empowering, collaborative, easy to deal with
Customer Values: Integrity, value, relationship, trust, security, prosperity, results
Emotional Rewards: Peace of mind, confident, relief, enriched, respected, cared for, satisfied, in control, gratitude, love
Functional Benefits: Centralised broad service offering, convenient, access to integrated solutions, education, consistent service, better understanding of whole picture, better outcomes based on integrated approach, more expedient results, non-conflicted advice, co-ordinated solutions, greater efficiency and effective
Attributes: refer to introduction above (sorry - I have limited characters to include more info here!)
Brand Essence: Absolute Advisory Group delivers integrated professional solutions enabling prosperity & peace of mind
We have an open mind about the colours and design. However please refer to our brand pyramid under 'Target Audience' for an idea of the personality of our brand, attributes etc.
You will need to design a family of logos demonstrating how the creative application in the masterbrand applies/incorporates/is represented in the sub-brands:
1. Absolute Advisory
2. Absolute Absolute Wealth Advisors
3. Absolute Business Lawyers
4. Absolute Taxation & Management Accountants
We would like the logo/s to be simple and clean looking, with the same use of colour across each brand.
Upon contest completion, we need both color and black/white versions of the logos in all file formats.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Anacortes to Sea-Tac Airport & Seattle
Airporter Shuttle offers frequent round-trip service from Anacortes to Sea-Tac Airport and downtown Seattle. The three pickup/dropoff points in Anacortes are:
- Old Salts Deli
- San Juan Ferry Terminal
- Shell station at 14th & Commercial
Click here for full schedule
Click here for more info on our Anacortes boarding locations
Anacortes, Washington, is a town of over 14,000, located on beautiful Fidalgo Island, easily reached by car. Home to the Washington State Ferry Terminal, Anacortes is the gateway to the San Juan Islands. Ferries leaving the Anacortes Ferry Terminal travel daily to Lopez, Shaw, Orcas and San Juan Islands, as well as well as Sidney, British Columbia. Anacortes features year-round festivals and events in its historic district.
Anacortes Chamber of Commerce site
Anacortes City site
Washington State Ferries site


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Do you follow the RealTimeWWII Twitter account? You should. It's fascinating, educational, and often briefly frightening when you see something about invading Russians out of the corner of your eye.
Today RealTimeWWII posted this photo of members of the Toronto Maple Leafs, all volunteers, training before heading to Europe. It's grainy, but we thought it'd be nice to remind the Leafs of a time when they were on the winning team.


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Sunday, 27 May 2007
The French-Italian lovechild
It is far removed from the French classic in terms of cooking time, ingredients and method but is just as deeply flavourful. The only connection to the original is that beautiful marriage of red wine and poultry. The garlicky wine juices would probably also work beautifully served with crusty bread and salad but the basil lends itself to a pasta dish with a generous serving of parmesan. There is something delightful about linguine or fettucine coated in slick red wine juices with morsels of tender wine drenched chicken. I love the striking purpley juices and red wine on these cold and blustery days but you could just as easily use white wine and vinegar. The white wine version is the classic recipe and more appropriate in Spring and Summer climates.
Coq au vin pasta
2 skinless chicken breasts diced
4 cloves garlic
1 tbsp olive oil
1-1.5 cups red wine (or white)
2tbsp red wine vinegar (or white)
1/2 cup fresh basil
1 packet (around 400g/13oz) linguine or fettucine
In a large pan sauté the garlic in olive oil. Add the chicken pieces and brown. Pour in the wine and allow to bubble. Add enough wine so that one third of the chicken is above the surface unless using a particularly large pan in which case you'll need less. Reduce heat to a slight simmer. Taste spoonfuls regularly to make sure all is as it should be. Stir in the vinegar and season to taste.
Cook the pasta in a pot of boiling water with lots and lots of salt - pasta can
never have enough salt, not only because it tastes great but it raises the
boiling temperature of the water.
When chicken is cooked through but still moist stir through the basil leaves, just a moment or two before your pasta is ready. Turn up the heat to warm everything through.
Drain pasta and toss through the sauce coating the pasta strands well with the winey juices. Grate over more parmesan than you can imagine and serve.
14 comments:
- MyKitchenInHalfCups said...
That is a wonderful title for this post!
Basil will be in full force in the garden soon and this is a beautiful use for it.
Thanks so much for the comment!
- 27 May 2007 at 4:21 am
- Little Foodie said...
Superb Truffle, Really great post! Tanna's right it's such a wonderful title too. Will definitely make this. I'd never thought of it, but of course it would be good, those flavours with pasta. Amanda
- 27 May 2007 at 4:27 am
- Truffle said...
mykitcheninhalfcups- Thank you so much. I really hope it turns out well. You're very welcome! I was so impressed by your baking skills!
Amanda- It's one of those wonderful dishes I would never have thought of myself but after tasting it makes such perfect sense. The credit for the post and recipe go to my better half who created this gorgeous dish! It's become a real favourite of mine so it's no surprise I've held onto him :)
- 27 May 2007 at 4:35 am
This sounds lovely. Have you ever tried it with white wine?
- 27 May 2007 at 5:04 am
- katiez said...
That will be a perfect way to use the leftover coq au vin next winter!
But I may have to be 'out-of-season' and try it your way this summer when I have lots of fresh basil.... I don't think mon mari will complain...LOL
- 27 May 2007 at 7:58 am
- Nora B. said...
Nice one, Truffle. Since I have all the ingredients, I think I will try to make this rather than my usual chicken pesto pasta.
- 27 May 2007 at 2:31 pm
- Truffle said...
Anonymous- I've only tried the white wine version once but it's absolutely delicious. Very elegant and summery.
Katiez- That sounds delicious! Hope you enjoy and thanks for reading :)
Nora B- I hope you like it. It's very easy to put together but rich in flavour.
- 27 May 2007 at 4:52 pm
- Ruth Daniels said...
I love the marriage of bistro and pasta. What a great idea that looks beautiful too.
Thanks for sharing with Presto Pasta Night. You were first in for the week. Round up will be ready on Friday.
- 27 May 2007 at 5:29 pm
- Jann said...
This is one recipe I have not had,but really want to make it!And, if it comes from AU, it has to be good!My May 12th post may be of some interest to you-have you been to this establishment?It was wonderful!
- 27 May 2007 at 8:52 pm
- Anh said...
Lovely recipe. And the previous entry is excellent, too. I read them all but haven't had enough time to sit down and comment! :D
I love to eat leftover stew/curry with pasta/noodles. Very easy, cost-effective and flavoursome! ;)
- 28 May 2007 at 12:23 am
- The Gourmand said...
Wow!! That is an interesting combination!
I love Coq Au Vin, and Mike makes an excellent home made tagliatelle, but we have never thought of combinging the two together! It is something that we will have to try.
- 29 May 2007 at 3:28 am
- Truffle said...
Thanks very much Ruth. Look forward to the round-up. Thanks for hosting!
Thanks Jann! I'm so glad you made it to Richmond Hill. I'm always overwhelmed by the variety of cheeses they have in store.
Thanks for reading Anh. Sounds like the perfect midweek dinner idea. Must try that with more leftover stews this winter.
The Gourmand- lucky you finding someone that makes a good tagliatelle. I'm envious! Sounds like this dish would be the perfect marriage of your dishes :)
- 29 May 2007 at 3:50 am
- Mel. said...
What better than a steaming hot bowl of creamy pasta on a galey winter night such as the ones we've been having lately? It looks absolutely divine. If I had the patience (and time) to cook, this is exactly what I would make. Looks gorgeous, truffle!
- 29 May 2007 at 5:07 am
- Patricia Scarpin said...
This is the first time I see this recipe and I really like it, Truffle! Well, that's easy - what's not to like here? All the ingredients are delicious!
- 29 May 2007 at 8:48 am


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U.S. Issues Warning on Bakken Shale Oil
Safety Alert Follows Explosions in Train Accidents; Crude May Be More Flammable Than Other Types
The federal government issued a rare safety alert on Thursday, warning that crude oil from the Bakken Shale in North Dakota may be more flammable than other types of crude.
The warning comes after two federal agencies spent months inspecting Bakken crude, including oil carried in recent train accidents that resulted in explosions. The latest blast occurred earlier this week in Casselton, N.D., 25 miles west of Fargo.


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|Image from here
There is so much edible stuff that masquerades as food but isn't. Two minute noodles spring to mind as do some crackers and many forms of confectionery and soft drinks. It is like feeding your child cardboard, only with more preservatives.
I come from a family of cooks. Both Mum and Dad prepared meals from scratch. We all watched and learnt by osmosis and for me, cooking the family meal is a normal part of the day. I prefer my own cooking to a jar prepared in a factory. Probably a bit too much if I am honest. But I want to role model to my children what food actually looks like and where it comes from.
We have our vegetables delivered and I usually top up at the local farmer's market or the stalls at the nearby farms. Local is best for sustainability, reduced travel miles and freshness. I can't always afford to buy organic, but I do when I can, especially focusing on the dirty dozen. Same goes with supermarket bought products; Australian made all the way.
When I get busy though, I start to take short cuts in the kitchen. A few too many 'easy dinners' creep into the menu plan and before I know it, the kids have been two days without a vegetable! Crumbed fish and bottled sauces are leading contenders. The mindfulness of connecting with the source of the food seems to slip away and meals become fast rather than slow food.
I have long been interested in the work of Michael Pollan, and more recently, his convert 100 Days of Real Food. I have shared a number of his food rules in the form of blog posts over the years. The man makes a lot of sense to me.
So as I am spring cleaning my diet and looking to improve my health, rather than selecting a 'diet' per se, I am trying to oust processed foods, increase fruit and vegetable consumption, and find the path to maintenance of weight. Prepared foods with more than five ingredients are off the menu as are foods with unrecognisable contents.
Over on the 100 Days of Real food blog they have a 14 week program to look gradually at different aspects of your diet to increase your real food consumption. We started it last year and got stuck after Week 1 because Week 2 means I have to address my love affair with Coke Zero and I may not be ready to do that even though it totally signifies all the badness there is in the food world in one neat little (recyclable) container.
But I am going to start again. Even if it means postponing Week 2 until the end.
What are your thoughts about real food?


text:
Search for a rare disease
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Stargardt disease
Disease definition
Stargardt disease, also known as Stargardt 1 (STGD1), is an autosomal recessive form of retinal dystrophy that is usually characterized by a progressive loss of central vision associated with irregular macular and perimacular yellow-white fundus flecks, and a so-called ''beaten bronze'' atrophic central macular lesion.
ORPHA:827Classification level: Disorder
Worldwide prevalence of STGD1 is estimated at 1/8,000 - 1/10,000. Both sexes are equally affected.
Clinical description
The disease typically presents within the first two decades of life, even though symptoms can also appear during adulthood and as late as the seventh decade. Although disease progression and severity varies widely, STGD1 is usually characterized by a progressive loss of central vision causing blurry vision and, occasionally, an increasing difficulty to adapt in the dark. Peripheral vision is usually normal. Most affected individuals also have impaired color vision. Photophobia may be present.
STGD1 has been linked to mutations in the ABCA4 gene, which encodes an adenosine triphosphate (ATP)-binding cassette transporter (ABCR) expressed specifically in the cones and rods of the retina. Defects in ABCR function cause the accumulation of all-trans-retinal and its cytotoxic derivatives (e.g., diretinoid-pyridinium-ethanolamine) (lipofuscin pigments) in photoreceptors and retinal pigment epithelial (RPE) cells, ultimately causing RPE cell death and the subsequent loss of photoreceptors. Mutations in ABCA4 have been linked to a spectrum of phenotypes ranging from STGD1 to cone rod dystrophy and severe early-onset retinal dystrophy (see these terms).
Diagnostic methods
The clinical diagnosis is based on ophthalmological examinations consisting of visual acuity and visual field testing, ophthalmoscopy, electroretinography (ERG), fluorescein angiography (FA), fundus autofluorescence (FAF), and optical coherence tomography (OCT), revealing macular anomalies (progressive atrophy often in a 'beaten bronze pattern') and yellow-white fishtail flecks that may present only in the central macula but may also extend beyond the vascular arcades. Fluorescein angiography reveals the characteristic dark choroid (''silence choroidien'') in aproximately 85% of the patients. Diagnosis can be confirmed by genetic testing of the ABCA4 gene.
Differential diagnosis
Differential diagnosis includes multifocal pattern dystrophy simulating STGD1 and retinal and/ or macular dystrophies such as central areolar choroidal dystrophy (CACD), achromatopsia, cone dystrophy (CD) and cone rod dystrophy (CRD) (see these terms). In addition, two autosomal dominant types of macular dystrophy exist that resemble STGD1: STGD3 caused by mutations in the ELOVL4 gene and STGD4 associated with mutations in PROM1 (see these terms).
Antenatal diagnosis
Prenatal diagnosis is technically possible but is not used in clinical practice.
Genetic counseling
STGD1 disease is transmitted in an autosomal recessive mode of inheritance.
Management and treatment
There is no treatment available for STGD1 but gene replacement therapy is currently under development. Another treatment option that is under evaluation is inhibition of the visual cycle by blocking the action of certain enzymes in the retina (RPE65/LRAT). Preventive measures for slowing down the progression of the disease include avoidance of overexposure to visible light with sunglasses and no intake of vitamin A supplements. Regular ophthalmologic evaluations are recommended.
Due to the high clinical variability, prognosis depends on certain parameters (notably age of onset and electroretinographic findings) that may help the clinician provide the patient with an indication of the course of the disease. STGD1 may progress rapidly over a few months or gradually over several years leading to a severe decrease in visual acuity. Typically, peripheral vision is not affected, although certain patients may progress to a cone-rod phenotype that does affect the peripheral retinal function.
Detailed information
Article for general public
- Summary information
- Greek (2014, pdf)
- Suomi (2014, pdf)
- Clinical practice guidelines
- Español (2017, pdf)
- Disability factsheet
- Français (2017, pdf)
Additional information


text:
Wednesday, May 9, 2012
Nobody saw this coming!
3 comments:
You guys are setting up the inevitable late-season collapse quite nicely. Looking forward to seeing all those black and white sketches in September!ReplyDelete
- Dean PolskyMay 9, 2012 at 1:47 PM
Joe, these game recaps get better and better. Hope to see you tomorrow with the broom !!!ReplyDelete
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text:
Hawkeyes handle North Dakota 88-62
(Iowa Athletic Department) A balanced scoring effort sent the No. 21/25 University of Iowa women's basketball team to its 12th victory of the season Saturday on Mediacom Court inside Carver-Hawkeye Arena.
The Hawkeyes used a 43-10 run spanning halves to cruise to an 88-62 victory over North Dakota in their nonconference finale. Iowa enters its Big Ten Conference opener at Indiana on Jan. 2 with a 12-2 overall record.
"I feel good about our record going into Big Ten play," said UI head coach Lisa Bluder. "We know we have a first pass against an unbeaten on the road, and that's a big challenge. We'll start worrying about that in about 30 minutes.
"Right now, we're happy with the victory over North Dakota."
Junior Samantha Lgic led a group of six Hawkeyes in double digits, netting 21 points on 6-of-10 shooting and a 9-of-12 performance from the charity stripe. She also had eight assists and seven rebounds.
Senior Theairra Taylor scored 14 points and had six rebounds, junior Melissa Dixon had 13 points, junior Bethany Doolittle and freshman Ally Disterhoft netted 12 points apiece and freshman Alexa Kastanek added 11 points. Sophomore Kali Peschel had a game-high 10 rebounds.
"We had great balance with six players in double figures, including two players off the bench," said Bluder. "Ally and Alexa both shot the ball well. That was nice to see that firepower coming in off the bench."
The Hawkeyes shot 46.3 percent (31-of-67) from the field and 36 percent (9-of-20) from 3-point range. Iowa also made 17-of-20 free throws (85 percent) and out-rebounded North Dakota, 40-37. The Hawkeyes also forced 21 turnovers.
North Dakota shot 39.7 percent (23-of-58) from the field and 4-of-14 (28.6 percent) from long range. It also made just 12-of-22 free throw attempts. Madi Buck led a trio of UND players in double digits, finishing with 19 points on 7-of-13 shooting.
Trailing 24-20 with 6:49 remaining in the opening half, the Hawkeyes found their groove. Iowa used an 11-0 spurt to take a 31-24 lead and outscored North Dakota 25-4 to close out the half to take a 45-28 lead into the locker room.
Dixon opened the run with a 3-pointer to trim the lead to 24-23 before Disterhoft's layup gave the Hawkeyes their first lead at 25-24. Dixon and Peschel followed with back-to-back triples to open a 31-24 advantage.
Following a layup by North Dakota's Mia Loyd, Disterhoft joined the 3-point party before Dixon and Logic followed with two layups apiece. Kastanek became the fourth Hawkeye to drain a 3-pointer when she connected with four seconds remaining to send Iowa into the break with a 45-28 advantage.
"Our defense created the offense," said Bluder. "Our defense got us going because we were able to get our fast break going. When we do that, we're a hard team to defend."
Coming out of the break, the Hawkeyes kept rolling, using an 18-6 run spurt to push the advantage to 63-34. Iowa's starting backcourt trio of Logic, Dixon and Taylor accounted for 13 of the points during the stretch.
Down 67-45 with 10 minutes to play, North Dakota started clawing its way back. UND scored 13-of-15 points to trim the margin to 69-57 with 6:28 remaining before the Hawkeyes regained their footing.
"We got a lull in there for a while where we got stagnant and thought the game was over at that point," said Bluder. "We can't have those lulls against Big Ten competition."
(Iowa Athletic Department) North Dakota started quickly, jumping out to a 13-4 lead over the first four minutes to force a Hawkeye timeout. Iowa responded with seven straight points courtesy of a pair of Doolittle jumpers and a Kastanek 3-pointer to trim the lead to 13-11 with 14:09 left in the half.
The Hawkeyes cut the lead to 19-18 at the 9:31 mark and 24-20 with 6:49 remaining in the half before turning on the after burners.
Iowa (12-2) opens Big Ten Conference play Jan. 2 at Indiana. Game time is set for 6 p.m. (CT) in Bloomington, Ind.


text:
News Release 2009-88 | July 24, 2009
Comptroller Dugan Supports Regulatory Reform Plan, Urges Revision to Some Details
WASHINGTON—Comptroller of the Currency John C. Dugan today told Congress that he supports efforts to enhance consumer protection standards for financial service providers, but expressed significant concerns with some elements of the proposed Consumer Financial Protection Agency.
"It makes sense to consolidate all consumer protection rulewriting in a single agency, with the rules applying to all financial providers of a product, both bank and nonbank," Mr. Dugan said in testimony before the House Financial Services Committee. "But we believe the rules must be uniform, and that banking supervisors must have meaningful input into formulating them. Unfortunately, the proposed CFPA falls short on both accounts."
The rules would not be uniform because the proposal expressly authorizes states to adopt different rules and would repeal federal preemption that has allowed national banks to operate under uniform federal standards. This radical change will make it far more difficult and costly for national banks to provide services to consumers – costs which will ultimately be borne by consumers, the Comptroller said. To provide meaningful input into rules from banking supervisors who are most familiar with the activities of the firms, the proposal must be changed to allow more banking supervisors on the CFPA board and provide a formal mechanism for banking supervisor input.
"The CFPA should not take consumer protection examination and enforcement responsibilities away from banking agencies," Mr. Dugan said. "To the extent the banking agencies have been criticized for consumer protection supervision, the fundamental problem has been with the lack of timely and strong rules – which the CFPA would address – and not the enforcement of those rules."
"Moreover," the Comptroller said, "moving these banking agency functions to the CFPA would only distract it from its most important and daunting implementation challenge: establishing an effective examination and enforcement regime for the 'shadow banking system' of the tens of thousands of nonbank providers that are currently unregulated or lightly regulated, like the nonbank mortgage brokers and originators that were at the heart of the subprime mortgage problem."
Comptroller Dugan also supported designating the Federal Reserve Board as the consolidated supervisor of systemically significant financial firms, but said "the proposal goes much too far." By granting new broad authority to the Federal Reserve to override the primary banking supervisor on standards, examination, and enforcement, the proposal would undermine the authority – and the accountability – of the banking supervisor, "and we strongly oppose it," Mr. Dugan said.
The Comptroller voiced support for establishing a Financial Stability Oversight Council to identify and monitor systemic risk; for new authority to resolve systemically financial firms; and for imposing more stringent capital and liquidity standards to help address their heightened risk to the nation's financial system. He also supported a proposal to merge the Office of Thrift Supervision with the OCC while phasing out the thrift charter.
Related Links
Media Contact
Robert M. Garsson
(202) 874-5770
- Topic(s):


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- 15. In the same way DORNA gives no warranty with respect to the merchantability and/or fitness of the Website and/or the Content for a particular purpose. DORNA and or its affiliates will not be liable for any damages of any kind arising from the use of the Website, including without limitation direct, indirect, incidental and punitive and consequential damages.
- 16. DORNA assumes no responsibility, including but not limited to, negligence on the side of DORNA, for any loss or damage caused to computers or software deriving from use of the Website, or from the downloading of material, data, text, images, audio or video from the Website, whether it be caused by a virus or any other form.
- 17. DORNA disclaims any and all liability for the acts, omissions and conduct of any users, advertisers and/or sponsors on the Website. DORNA is not responsible for the products, services, actions or failure to act of any Event venue, performer, promoter or other third party in connection with or referenced on this Website.
- 18. DORNA, including its affiliated companies, will not be liable to the user for any direct, indirect, consequential, exemplary, incidental, special or punitive damages, including but not limited to lost profits, even if such damage was reasonably foreseeable and/or even if DORNA has advised of the possibility of such damages.
- 19. The user agrees to indemnify and hold DORNA, including its affiliated companies and its employees, officers and/or partners, harmless from any liability, loss, claim or demand, including attorney fees, arising out of the User's use of the Website, including without limitation any uploading of content and/or comments and/or posting of links
- 20. The present Terms and Conditions of Use, and any other additional conditions published on the Website, constitute a full agreement between DORNA and the User in relation to the use of the Website, and are applicable to the relationship between the buyer and DORNA's affiliates if the User acquires any service or product through the Website. If DORNA or any of its affiliates delays or fails to enforce any of these Terms and Conditions it shall not mean that DORNA or any of its affiliates has waived its right to do so. If it is found by a Court that any of these Terms and Conditions for any reason cannot be enforced, this shall not prevent the other provisions from continuing to apply. Nothing in these Terms and Conditions and no action taken by the User, DORNA or any of its affiliates under this Terms and Conditions shall create, or be deemed to create, a partnership, joint venture or establish a relationship of principal and agent or any other relationship between the parties beyond the contractual relationship established under these Terms and Conditions.
- 21. The User is obliged to comply with any additional conditions indicated on the Website, likewise any conditions able to be modified in accordance with necessary through a change in law. DORNA will be permitted to modify in whole or in part the present Terms and Conditions Of Use at any given moment, at it sole discretion and without prior notice to the User. Continuing to use the Website after such changes have been published indicates an acceptance of said changes. DORNA, attending to the general interest of MotoGP, reserves the right to modify, cancel, alter replace, change, interrupt or suspend any Content published on the Website, be it temporary or permanent, without prior notification or assuming any responsibility.
- 22. Force Majeure. For the purpose of these Terms and Conditions, "Force Majeure" means any cause beyond the control of one of the parties including, without limitation, act of God, war, insurrection, riot, civil disturbances, acts of terrorism, fire, explosion, flood, electricity black-out, network or server failure, theft of essential equipment, malicious damage, strike, lock out, weather, third party injunction, national defence requirements, actions taken by the police, acts or regulations of national or local governments. DORNA and its affiliated companies will not be liable to the User for failure to perform any obligation under these Terms and Conditions to the extent that the failure is caused by Force Majeure.
- 23. DORNA is entitled to assign any right and obligation under these Terms and Conditions provided that the User's rights are not adversely affected.
- 24. The present Terms and Conditions Of Use are governed and subject to Spanish law, without reference to legal norms, and in the case of a dispute the User it will be submitted to the jurisdiction of the Courts of Madrid, Spain. If any dispute arises out of these Terms and Conditions, DORNA or any of its affiliates will attempt to settle it. To this end DORNA shall use the reasonable endeavours to consult, negotiate in good faith, and attempt to reach a just and equitable settlement satisfactory to both parties.
- 25. Visiting the Website does not oblige the User to submit any information of a personal nature. However, the User is aware of and accepts that, in order to receive or access certain services or products, subscription to the Website is necessary. This procedure involves the notification of certain personal data, and in said case the User recognises that the subjection of any information of a personal nature remains subject to:
- a. In compliance with the Spanish L.O. 15/1999, 13th December, Data Protection Act, in accordance with the Directive 95/46/CE, of the European Parliament and Council, dated as of October 24th 1995, any personal data given will be stored in a personal data file pertaining to DORNA. The User expressly grants their consent to the incorporation of said data in said file and their use for the ends henceforth mentioned.
- b. The User accepts that DORNA registers the data file so that it can be used in the manner here indicated. This permission may be withdrawn only subject to request from the User. Notwithstanding the aforesaid, DORNA may keep the data file until any actions that may arise from the relations between the parties have prescribed. The requested data is appropriate, relevant and not excessive in relation to the final means for which it shall be used, including any particular product or service required by the User from DORNA or any of its affiliates as supplier of said services or products.
- c. The understanding that data of a personal nature given by the User will be supplied freely and consciously, and will be used as a means of contact for information related to promotional and publicity actions by the FIM Road Racing World Championship Grand Prix, commonly known as MotoGP, that may be of interest according to the User's subscription. This information will be sent through any media, including but not limited to email and other systems such as SMS and MMS (if a mobile telephone number is given) or any other system known or hereafter devised.
- d. The User expressly recognises and accepts that DORNA utilises the collected information for the following purposes: the technical administration of the Website, the investigation and development for the purpose of obtaining and maintaining a high level of service and for the occasional information of clients (related to the benefits and features of the membership), personalising the Content seen by the User, to carry out the sending of requested information, products and/or services, and in order to contact the User in relation to special themes such as new products/services. Unless the User expressly declines it, by changing their emails preferences on its profile, DORNA will use his/her personal identification information to keep the User periodically informed with daily newsletter, special tickets offers, VideoPass related information and offers, partners information and offers, merchandising discounts and of other information and offers related to the Championships and/or other competitions organised by DORNA.
- e. The User expressly recognises and accepts that DORNA may send the data provided by the User to third companies for commercial and/or promotional purposes, either for DORNA or for such third companies. DORNA will require to the receiving parties of User's information to treat such information complying with the relevant applicable law, giving to the User any needed information in order for the User to be able to exercise its access, correction and cancellation rights if User should wish to exercise them.
- f. The User holds the right to access said data, to correct it if the data are incorrect and/or to request the cancellation of the aforementioned file. This right can be exercised by contacting DORNA through the email feature "Contact Us" or through letter addressed to: Narcis Monturiol 2, 08960 Sant Just Desvern (Barcelona) SPAIN.
- g. When proceeding with the collection of details, the voluntary or obligatory nature of such data will be clearly indicated. Declining to supply data considered obligatory will lead to the rejection of accessing the service for which they are required.
- h. In the event the User provides the Website with personal data of any third party (which is not a user of the Website), the User shall be the only responsible of: (i) informing such third party of the purpose of the collection of his/her personal data; (ii) obtaining the consent from such third party; and (iii) informing the third party of its rights of access, rectification, cancellation and/or opposition of its personal data by contacting DORNA SPORTS, SL as mentioned in this Terms and Conditions. In any and all events, the User shall maintain DORNA, IES or any affiliated subsidiary, harmless from any dispute arising from the said data collection and consequently, of the keeping of such data.
- 26. To contact with the right holder of the domain name motogp.com you may send and e-mail to firstname.lastname@example.com, or by post mail to DORNA SPORTS, S.L. with domicile in Spain Principe de Vergara 183, Madrid 28002. The VAT number of DORNA is ES-B-84.760.800. The relevant registration of the domain name within the Mercantil Register in Madrid is the following: Tomo 18985, Libro 0, Folio 44, Sección 8M with registering date at 8th October, 2004.


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Committee Members
Budget Meetings
Beginning in November each year the Selectmen and Budget/Finance Committee plan what the Town will need in order to provide the services which Raymond residents expect. These groups will provide an opportunity for the Town to voice its opinion following the submission of their budgets with announced public hearings in February.
All preliminary meetings are open to the public, and the public is encouraged to attend.


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Lockdown Protocol is a score-oriented shooter/platformer game with built-in level editor and multiplayer support.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.
Aliens tasting pain grenades.


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Oct 07, 2011
DECATUR, Ga.—Second-half goals from senior Alicia Plotky and sophomore Amanda Babbin helped the Birmingham-Southern women's soccer team shut out Agnes Scott College, 2-0, Friday afternoon.
The Panthers now stand at 6-3-1 on the season; it was their third shutout of the year.
Both teams were scoreless after the first half of play, and Plotky found the back of the net in the 51st minute - six minutes into the second half - off an assist from senior Linda Amaya.
Babbin scored six minutes later, assisted by sophomore Melissa Sweeney, to put the Panthers up 2-0.
Senior goalkeeper Amber Hernandez played all 90 minutes in goal and recorded three saves.
BSC continues SCAC action this Sunday, traveling to face Hendrix College in Conway, Ark., at noon.


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Welcome to Portsmouth Used Car Superstore
Home Of The Best Used Car Dealer In NH And The Seacoast Area!At Portsmouth Used Car Superstore we proudly serve customers from Portsmouth, Dover, Rochester, Southern Maine, Southern New Hampshire and any other surrounding area. Here, you will find an excellent array of used vehicle inventory from all the major manufacturers, including Ford, Chevrolet, Toyota, Honda, Chrysler, Dodge, Jeep, GMC, Nissan, Infiniti, as well as every other make and model! No other Dealer in NH can match our inventory or selection!
New Hampshire Car Loans With Bad CreditWe offer preferred financing at low interest rates for customers with great credit, and can finance you even if you have bad credit or no credit. Portsmouth Used Car Superstore is a subsidiary of Key Auto Group, which owns Salem Ford and Hyundai, Portsmouth Chevrolet, and Key Auto Center. We have a proven track record of providing quality New Hampshire car loans with bad credit. Please browse our used cars, SUVs, trucks and minivans, and contact our friendly customer service department with any questions.
First Time Buyer Program. We have a first time buyer program with low rates and in some cases $0 down. We have customers who love this program from Haverhill, Amesbury, Lawrence, Methuen, and Lowell MA. As well as from Kittery, Sanford, Berwick, Portland, and Kennebunk, ME.
Looking For The Best Used Cars In Portsmouth NH?
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Portsmouth Used Car


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Teaching of Psychology is devoted to improvement of the teaching and learning processes at all educational levels from secondary school through college and graduate school to continuing education. The journal includes empirical research on teaching and learning; studies of teacher or student characteristics subject matter or content reviews for class use; investigations of student, course, or teacher assessment; professional problems of teachers; innovative course descriptions and evaluation; curriculum designs; and demonstrations and laboratory projects. All submissions should ideally include empirical assessment of the contribution. The empirical assessment should directly measure the impact of the technique on the student learning rather than a student self-report of learning.
TOPICAL ARTICLES include a range of content from broader to more specialized applicability. Articles may vary in length from 2,500 to 7,000 words. The editor may solicit manuscripts deemed to be of significance to the readership.
FACULTY FORUM items may cover the full range of the journal's content policy. Brief contributions of innovative procedures, courses, or other materials are especially appropriate (approximately 1,600-2000 words), particularly those with an assessment of outcomes.
Submit manuscripts to be considered as Topical Articles and Faculty Forum articles as attachments in Microsoft Word to Andrew Christopher: firstname.lastname@example.com.
METHODS AND TECHNIQUES papers are those describing demonstrations, laboratory projects, other learning/teaching devices, or instrumentation (1,500-3,000 words). Articles for this section typically include strong empirical evidence of the pedagogical effectiveness of the technique in promoting learning outcomes. Evidence based exclusively on one-group prepost designs would typically be considered preliminary rather than convincing. Submit manuscripts to be considered as Methods and Techniques articles to Pam Marek: email@example.com
Word counts do not include title page, abstract, references, footnotes and other back matter.
All submissions will be double-blind reviewed. Please include all identifying information on the title page only. To facilitate the double-blind review process, each submission should include two files. One file should contain the complete manuscript, tables, and figures as described in the most recent edition of the Publication Manual of American Psychological Association (PM); however, the title page that is included in this file should only contain the page number and title. The second file should contain the complete title page with all identifying information required by the PM; this file will not be sent to reviewers. All manuscripts should be prepared in Microsoft Word and submitted as email attachments.
Each manuscript must be accompanied by a statement that it has not been published elsewhere, that it has not been submitted simultaneously for publication elsewhere, and that the work does not constitute a conflict of interest for the authors. Authors are responsible for obtaining permission to reproduce copyrighted material from other sources and are required to sign an agreement for the transfer of copyright to the publisher. All accepted manuscripts, artwork, and photographs become the property of the publisher.
Manuscripts should be prepared according to the most recent edition of the Publication Manual of American Psychological Association. Manuscripts should include an abstract that does not exceed 120 words. Avoid abbreviation, diagrams, and reference to the text in the abstract. The cover letter should include a word count for the manuscript (not including title page, abstract, or references) and an email address and a telephone number of the author to whom editorial correspondence is to be addressed. Number manuscript pages consecutively throughout the paper, including tables, figures, and appendices.
Placement and format of tables and figures should follow APA Publication Manual (6th ed.) guidelines. Each table and figure should be on a separate page following the References section. Each table and figure must be cited in the text. Tables are to be numbered with Arabic numerals (e.g., Table 1, Table 2) in the order in which they are cited in the text. The same numbering system is to be used for figures (e.g., Figure 1, Figure 2).
Tables should be typed (double-spaced throughout). The table number and short descriptive title should appear above each table. Columns and rows in each table should be labeled in sufficient detail to allow understanding without reference to the text. If needed for clarification, footnotes should be included below the table. Use tabs, not vertical rules, to separate columns. Excel tables are acceptable.
Figures submitted (graphs, line drawings, halftones, photos, photomicrographs, etc.) should be clean originals or digital files. The figure number and a double-spaced figure caption should appear below each figure. The legend and caption should provide sufficient detail to allow understanding without reference to the text. Digital files are recommended for highest quality reproduction and should follow these guidelines:
Address correspondence about news items to Cynthia S. Koenig, St. Mary's College of Maryland, Department of Psychology, 18952 E Fisher Road, St. Mary's City, MD 20686-3001; e-mail;firstname.lastname@example.com.
Address other inquiries to Andrew N. Christopher, Department of Psychology, Albion College, 611 E. Porter Street, Albion, MI 49224, e-mail: firstname.lastname@example.com.


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BERLIN: Bayern Munich will have to wait at least another week before wrapping up this season's Bundesliga title after second-placed Borussia Dortmund won 2-1 at Stuttgart on Saturday afternoon.
Polish duo Lukasz Piszczek and Robert Lewandowski scored the goals for the visitors in Swabia, with Alexandru Maxim equalising in between for the home side.
The result means that Juergen Klopp's side, who have won the Bundesliga title in each of the last two seasons, can still theoretically catch Bayern.
The Bavarians were hoping to become the first team ever to be crowned Bundesliga champions before the end of March, but will now hope to beat Hamburg later on Saturday and Eintracht Frankfurt next weekend to secure a 23rd national title.
The main focus for Dortmund just now is their Champions League quarter-final against Malaga, with the first leg to come in Spain on Wednesday, and the early loss of defender Marcel Schmelzer to a broken nose will affect their preparations for that match.
They took the lead just before the half-hour mark when Piszczek looped a header into the net following a Marco Reus free-kick, but Stuttgart, who have been poor at home this season, fought back in the second half.
The home side were inches away from equalising just before the hour, Christian Gentner hitting the post from a corner before Mario Goetze cleared Antonio Ruediger's follow-up off the line.
Nevertheless, Bruno Labbadia's men were level moments later, Romanian midfielder Maxim cutting in from the right flank and curling a shot inside the far post for his first goal since arriving in the Bundesliga in January.
That goal would have been celebrated just as loudly by Bayern fans as by those of Stuttgart, as a draw at the Mercedes-Benz Arena would have left the Bavarians in position to secure the crown.
However, Stutttgart were reduced to 10 men midway through the second half when former Bayern defender Georg Niedermeier, who had already been booked, was given his marching orders for a dangerous challenge on Goetze.
Dortmund took full advantage of the extra man as they wrapped up the points eight minutes from time, Lewandowski scoring his 20th of the season, and his ninth in as many games.
Elsewhere on Saturday afternoon, Bayer Leverkusen strengthened their grip on third place with a 4-1 win away to near neighbours Fortuna Duesseldorf.
Stefan Kiessling scored twice to take his tally for the season to 18, with Andre Schuerrle also bagging a brace.
Schalke climbed provisionally back into fourth with a 3-0 victory at home to Hoffenheim, while Adam Szalai scored the third-fastest goal in Bundesliga history in Mainz's draw with Werder Bremen.
The Hungarian netted inside 12 seconds, only for Aaron Hunt to earn Bremen a 1-1 draw.
European hopefuls Freiburg beat Borussia Moenchengladbach 2-0, with Max Kruse scoring both goals against the club he could join in the summer, while Hannover won 2-0 at Augbsurg.


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- Living
- Dining
- Bedroom
- Outdoor
- Office
- Storage
- Lighting
- Accessories & Complements
Glossy is a collection of tables ideal for both for the home and the office, characterized by a sophisticated design and elegant finishing. The light, chromed steel structure criss-crosses and connects the legs on each of the four sides to support a polished polyester or laminate top. The collection comes in square, oval and round versions (packed into a practical flat package) and is available in three elegant colours: black, white and Kartell red. Easily combined with other items, the square tables can bring work surfaces to life even in the most prominent areas of the office, such as the meeting room. Also ideal as a dining table for the home.
|Product Type
|Antonio Citterio, Oliver Low
|Year of Design
|Country of Origin
|Round Table Diam 130 x 72h cm
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Technical Sheet (Glossy.pdf, 52 Kb) [Download]
Polyester White
Polyester Black
Polyester Kartell Red