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Owlet Moths (family noctuidae)
Scarce blackneck moth (Lygephila craccae)
Adult Scarce Blackneck moths are similar in appearance to the blackneck moth (Lygephila pastinum), but have a deeper black collar behind the…
White-line snout moth (Schrankia taenialis)
The White-line Snout is a small moth with brown forewings that feature two irregular black cross-lines. The caterpillar has not been…
Northern dart moth (Xestia alpicola alpina)
The form of the Northern Dart moth found in Britain (Xestia alpicola alpina), is considered to be a different race or 'subspecies' from that…
Sword-grass moth (Xylena exsoleta)
Sword-grass moth adults are large, with greyish-brown wings. The forewings can vary in colour, being darker in some individuals. The…
Fisher's estuarine moth (Gortyna borelii lunata)
The race of Fisher's Estuarine Moth that occurs in Britain is subspecieslunata. Adults are generally pale orange-brown in colour, with dark…
Four-spotted moth (Tyta luctuosa)
The common name of the Four-spotted moth refers to the white spots on the fore- and hindwings, which stand out in stark contrast to the dark…
Cousin German moth (Protolampra sobrina)
Cousin German (Protolampra sobrina, formerly known as Paradiarsia sobrina) is a rare moth that has dark brown forewings with a purplish…
Black-banded moth (Polymixis xanthomista statices)
Adult Black-banded moths have grey forewings with dense yellow, white and greenish flecking and a darker area towards the centre. The…
More about the black-banded moth »
0 videos
White spot moth (Hadena albimacula)
This species is easily recognised by the large white spots on the forewings, referred to by both the common and scientific names (albimacula…
More about the white spot moth »
0 videos
Dark crimson underwing moth (Catocala sponsa)
The generic name of the dark crimson underwing moth, Catocala derives from the Greek 'katõ' meaning below, and 'kalos' meaning beautiful…
Striped lychnis moth (Shargacucullia lychnitis)
Adult Striped Lychnis moths are rarely seen, they are bone-yellow in colour with darker markings towards the edges of the wings. The…
More about the striped lychnis moth »
0 videos
Scarce merveille du jour moth (Moma alpium)
The Scarce Merveille du Jour is an attractive moth, which has green coloured forewings with white and black patches; the hind-wings are a…
Reddish buff moth (Acosmetia caliginosa)
The Reddish Buff moth's name provides a good description of the adult. It is a night-flying moth and hides up in vegetation during daylight…
Marsh mallow moth (Hydraecia osseola hucherardi)
The common name of the Marsh Mallow moth refers to the larval (caterpillar) foodplant of the same name (Althaea officinalis). Adults are…
Orange upperwing moth (Jodia croceago)
This rare moth has pale buff underwings and, as its name suggests, orange forewings, delicately marked with darker lines and dots. It could…
Common fan-foot moth (Pechipogo strigilata)
This species can be distinguished from other similar Fan-foot moths by its pale hindwings and ochreous grey forewings. The forewings are…
Double line moth (Mythimna turca)
Adults of this scarce moth species are reddish-brown in colour with black cross-lines on the forewings. The caterpillar is pale brown in…
White-spotted pinion moth (Cosmia diffinis)
The forewings of the White-spotted Pinion are brownish-red in colour. There are two roughly triangular spots on the outer edge (costa) of…
Sandhill rustic moth (Luperina nickerlii leechi)
There are four races, or subspecies of the Sandhill Rustic moth in Great Britain. Luperina nickerli leechi has silvery-grey forewings, and…
Pale shining brown moth (Polia bombycina)
Adults are pale reddish-brown in colour with slightly paler hindwings and a shiny appearance, hence the common name. The caterpillar has a…
Light crimson underwing moth (Catocala promissa)
The generic name of the Light Crimson Underwing, Catocala derives from the Greek 'kato' meaning below and 'kalos' meaning beautiful, and…
Toadflax brocade moth (Calophasia lunula)
Adult Toadflax Brocade moths are whitish-grey in colour with bluish-black markings, and are usually found at dusk visiting red valerian…
More about the toadflax brocade moth »
0 videos
Marsh moth (Athetis pallustris)
This moth is highly secretive and unpredictable in its appearances. There is a noticeable size difference between the male and the female…
Square-spotted clay moth (Xestia rhomboidea)
The forewings of the scarce Square-spotted Clay moth vary in colour from pale reddish brown to almost black, and the hindwings are generally…
Clay fan-foot moth (Paracolax tristalis)
Adult Clay Fan-foot moths are pale ochreous brown in colour with darker brown cross-lines on both the fore- and hind-wings. When fully grown…
Ashworth's rustic (Xestia ashworthii)
Adult Ashworth's Rustic moths have blue-grey forewings with variable blackish flecking. The hindwings are pale and silky in appearance. The…
Olive crescent moth (Trisateles emortualis)
Adults of the rare Olive Crescent moth are orange-brown in colour with whitish cross-lines.…
Brighton wainscot moth (Oria musculosa)
This species was given the common name 'Brighton Wainscot' because one of the first British specimens was caught in Brighton in 1855. Adults…
Buttoned snout moth (Hypena rostralis)
Female buttoned snout moths are more variable in their appearance than males; the males tend to have darker, more uniform forewings whereas…
More about the buttoned snout moth »
0 videos
Heart Moth (Dicycla oo)
The Heart Moth is pale in colour with light brown patterning and off-white hind-wings. It takes its common name from the single heart-shaped…
Lunar yellow underwing moth (Noctua orbona)
The scarce Lunar Yellow Underwing has dark brown forewings but deep yellow hindwings with a broad brownish-black border. There is a black…


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At this point, it is hard to imagine, but just a handful of years ago, Santa Barbara had more medical marijuana storefronts than it did Starbucks coffeehouses. Now, after a perfect storm of local government regulation and high-profile arrests — coupled with multiple rounds of federal raids on South Coast dispensaries and threats of property seizures — this county has gone the way of so many others in California: It is now a cannabis club–free zone. Whether you love them, hate them, or simply need one for help with a serious medical condition, the fact remains that there are no longer any legal dispensaries operating in Santa Barbara.
As senior city planner Danny Kato confirmed last week, "We now have zero medical marijuana dispensaries. I don't know for certain about illegal ones, but I haven't heard of any enforcement [issues] with those, either." Moreover, according to Kato, what was once a healthy waiting list of would-be clubs seeking city approval is now nothing more than a blank page with no evidence of interest in joining the brick-and-mortar ganja game.
The real rub of this new dispensary-less landscape is the impact it's had on the estimated 10,000-plus medical marijuana patients who call this county home, the men and women who, with a doctor's recommendation and according to California state law, are legally able to use various cannabis-based medicines to treat a lengthy list of ailments like attention deficit disorder, AIDS, multiple sclerosis, cancer, and insomnia. Without a storefront to safely and consistently secure their medicine, these folks are left with only three options: enter the black market and look for relief through an illegal drug dealer, grow their own, or seek out a collective to join, the latter often a clandestine operation run out of a residential neighborhood that doesn't advertise and, by nature, is often hard not only to find but also to join.
"Basically, the people who are suffering most right now are exactly the types of patients that the voters of California were thinking about when they passed Prop. 215 back in 1996," said Dr. David Bearman last week of the Compassionate Use Act. A family physician based out of Goleta, Bearman, who is widely considered one of the nation's foremost authorities on marijuana medicines, continued, "The very sick, the elderly, and those with little to no experience with recreational use of cannabis have been left to fend for themselves [in Santa Barbara]. It is a truly unfortunate and difficult situation."
By Paul Wellman

subset: commoncrawl


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Customers use a variety of new channels and technologies to improve shopping experiences and enhance lifestyles.
Whether looking for the best prices, seeking recommendations or ultimately completing a purchase, they're not afraid to switch brands to achieve their goals.
According to a Global Consumer survey we conducted in 2014, 51 percent of U.S. consumers switched service providers within a year.
Switching rates were highest among retailers, cable and satellite providers and retail banks. Businesses in these sectors are the most vulnerable. Counteracting this trend requires quick, bold action.
According to Marketing Metrics, businesses have a 60 percent to 70 percent chance of completing a sale to an existing customer; for a new prospect, it's only 5 percent to 20 percent.
Traditionally, a business marketing team led the charge in attracting customers and increasing awareness of the brand, products and promotions.
Customer relationship management tools are used where possible to track and connect with customers.
More recently, the expansion of social networking added new channels. Businesses are increasingly using social media to lure customers through dialogue, campaigns and ads.
In some cases, businesses are also using social media profiles to better target customers.
However, these activities only touch the surface of what is possible.
Current engagement strategies focus on the customer "purchase funnel" and typically address the customer outside of the context of a need.
When a business advertises on TV, emails a coupon or tweets an offer, the customer must be persuaded of a few key things:
Associate the business with a future need.
Recall the business when that need arises.
Remember why that business should be chosen over the competition.
Outside research confirms our high-level findings:
Customers want retailers to understand who they are and how they evolve.
Customers continuously seek to reinvent themselves, so they want to be creative and be given the opportunity to explore.
Customers want their concerns to be taken seriously, so they want to be heard and seen. They are "very likely" to abandon an online purchase if they cannot find a quick answer to questions, according to Forrester.
Customers' leisure time is increasingly important, so they do not want to waste it browsing through products. They want to quickly and easily arrive at solutions. The revenue impact from a 10-percentage-point improvement in a company's customer experience score "can translate into more than $1 billion," according to Forrester.
Above all, customers want to be unique and to experience the world around them uniquely. An Econsultancy/Monetate Realities of Online Personalization report found that 94 percent of businesses "believe that personalization is critical to current and future success."
Businesses that interact in customer's everyday activities will have an advantage over competitors by always being at the top of customers' minds.
The relationship between the business and the customer becomes more personal, and equally beneficial for both parties, because the business grows loyal customers and customers receives services that enhance their experiences.
By staying top-of-mind, the business develops loyal customers who think about the business first and recommend it to others, becoming advocates or even evangelists of the brand.
These advocates—together with the services the business enables (contextualized product discovery, integrated social support and intelligent lifelong services)—will be key to attracting and retaining new customers.
Customer engagement interactions should evolve beyond connecting channels to connecting to the lives of customers.
The seamless lifestyle experience strategy (identify > design > integrate > enable) will help businesses harness the appropriate data and develop analytics that will help them get to know their customers as unique individuals.
We call this the digital customer genome: what every business should know about its customers, based on traditional and nontraditional sources of data.


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Jody Breeze (Feat. Jacquees) - Yea Yea
Jody Breeze Feat Jacquees - YEA YEA
Directed By- WillC & Tana
Dp- John Rosario
Edited By- Jason Ortiz
For Videos Contact-
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


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Pergo Hardwood Floors has Publish by Montana Damascuss in Category floor at October 19th, 2018. Tagged with are pergo engineered hardwood floors durable. pergo engineered hardwood floors. pergo hardwood floor installation. pergo hardwood floor reviews. pergo hardwood flooring 1/2 inch thick. pergo hardwood flooring cleaning. pergo hardwood flooring prices. pergo hardwood flooring pricing. pergo hardwood flooring reviews. pergo hardwood floors. pergo hardwood floors lowes. pergo hardwood floors reviews. pergo max hardwood floors. pergo over hardwood floors. pergo solid hardwood floors. pergo vs hardwood floors.
As noun
The Hard, Compact Wood Or Timber Of Various Trees, As The Oak, Cherry, Maple, Or Mahogany.
A Tree Yielding Such Wood.
As adjective
Made Or Constructed Of Hardwood: A Hardwood Floor.
As noun
That Part Of A Room, Hallway, Or The Like, That Forms Its Lower Enclosing Surface And Upon Which One Walks.
A Continuous, Supporting Surface Extending Horizontally Throughout A Building, Having A Number Of Rooms, Apartments, Or The Like, And Constituting One Level Or Stage In The Structure; Story.
A Level, Supporting Surface In Any Structure: The Elevator Floor.
One Of Two Or More Layers Of Material Composing A Floor: Rough Floor; Finish Floor.
A Platform Or Prepared Level Area For A Particular Use: A Threshing Floor.
The Bottom Of Any More Or Less Hollow Place: The Floor Of A Tunnel.
A More Or Less Flat Extent Of Surface: The Floor Of The Ocean.
The Part Of A Legislative Chamber, Meeting Room, Etc., Where The Members Sit, And From Which They Speak.
The Right Of One Member To Speak From Such A Place In Preference To Other Members: The Senator From Alaska Has The Floor.
The Area Of A Floor, As In A Factory Or Retail Store, Where Items Are Actually Made Or Sold, As Opposed To Offices, Supply Areas, Etc.: There Are Only Two Salesclerks On The Floor.
The Main Part Of A Stock Or Commodity Exchange Or The Like, As Distinguished From The Galleries, Platform, Etc.
The Bottom, Base, Or Minimum Charged, Demanded, Or Paid: The Government Avoided Establishing A Price Or Wage Floor.
An Underlying Stratum, As Of Ore, Usually Flat.
As verb (used with object)
To Cover Or Furnish With A Floor.
To Bring Down To The Floor Or Ground; Knock Down: He Floored His Opponent With One Blow.
To Overwhelm; Defeat.
To Confound Or Puzzle; Nonplus: I Was Floored By The Problem.
To Push (a Foot-operated Accelerator Pedal) All The Way Down To The Floor Of A Vehicle, For Maximum Speed Or Power.
As i
To Overwhelm Completely; Defeat: He Expected To Mop The Floor With His Opponents.
To Arise To Address A Meeting.
Pergo Hardwood Floors have 20 picture of floor category, it's including Stunning Pergo Hardwood Floors Within Floor Briarcliff Walnut PERGO Max Engineered Flooring. Modern Pergo Hardwood Floors Inside Floor Flooring Within Vs. Plain Pergo Hardwood Floors Throughout Floor Flooring Solid Engineered PERGO. Charming Pergo Hardwood Floors Inside Floor Laminate And Flooring Official PERGO Site. Fresh Pergo Hardwood Floors Intended For Floor Laminate And Flooring Official PERGO Site.


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Give love! Make a donation in honor of a special loved one and help support the work of The Fund for Animals.
You can celebrate any person, pet, friendship or occasion with a gift donation to The Fund for Animals. With a donation of any amount, we'll mail a personalized letter to a loved one in celebration of that special event or holiday. Your generous gift donation today will help to provide veterinary care, rehabilitation and release efforts of wildlife and sanctuary services at all of our animal care centers.
Horses once tethered to stalls for years find refuge at the Duchess Sanctuary. Animals once abused and neglected can live peaceful and private lives at the Cleveland Amory Black Beauty Ranch. At The Fund for Animals Wildlife Center, injured native wildlife is rehabilitated and released, and the center's permanent residents—wild animals once a part of the exotic pet trade—will live out their lives cared for and undisturbed.
Please make your special gift today to help animals. We'll send you news and stories about our animals and the work of each of The Fund for Animals care centers so you can see first-hand how your donation is making a difference.
Contributions to The Fund for Animals are tax-deductible to the extent permitted by law.
If you have any questions about donating, please contact us by email or by phone: 1-866-482-3708
The Fund for Animals was founded in 1967 by prominent author and animal advocate Cleveland Amory. For more than 50 years, The Fund has spearheaded some of the most significant events in the history of the animal protection movement by employing hard-hitting advocacy campaigns and operating world-famous animal care facilities like the Cleveland Amory Black Beauty Ranch. The Fund's historic victories have saved thousands of animals from cruelty and suffering.


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A Drink From 'World's Best New Cocktail Bar'
The Dead Rabbit in the Financial District was recently named "World's Best New Cocktail Bar." Jack McGarry, who was named International Bartender of the Year, demonstrates how to make a Tipperary. WSJ's After Hours's Elva Ramirez reports.
This transcript has been automatically generated and may not be 100% accurate.
... I ... Acer seeking your ... only one place ... to get the world's ... best ... self ... cert CEO of the world's best parts and their foreign debt that it was recently honored as in the world that's ... some menu but failed to crack down ... on my twenty oz Bartending ... within a sample that set her ear which if you like Manhattan's the street is for you as an Irish whiskey and things that use ... a little bit of bidders take a nap ... but you know the better of its beverage who go to his editor on the seventeenth eighteenth and nineteenth centuries ... during our research that we were conducted and I came across a recipe in the did it in on this ... but it's very different to the woman were arrested in to the one that we're doing today is more along the lines of ... what we find in the early nineteen hundreds I'm so that the very essence as the nurse ... now we get along the lines between insulin has equal parts of red Prestbo builders was good ... to see from there it's it's um it's also great charge for its ... we finished it ... can to heal better ... so restart also ... set us free of its productions of Arnault awesome ... we are ... touches of orange bitters ... we got to Diocese of ... Des doubled our noble bidders for imports but also the bears with your doctor ... among the turtle fishin already started ... because if she were to many guises end of the tennis court for credit and so ... did make a mistake you can for the absurdity of ... them could cause annoyance of a green truck worsened ... and one of the funds is so sweet that was ... Tim again that of stripper a strugglers was good ... and every utterance ... for the stars also due ... to the Troy high school ... photo but immediately ordered for Dreyfus more increases ... to literally what about ... good ol' bottle although the sentence with a way to the discredited by brick with some of the conversion of three or four goals ... softer starter for but twenty seconds ... stir into ... the so-called wealth ... I ... I ... over to the cider sets off of Ordos ... was the Express ... Star ... and others are deferred ... as salon way it's a very good at the tip of Manhattan ... I tell romance is that it's at Barron's ...


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IdeaStorm can help take your idea and turn it into reality.
Over 28,577 ideas submitted. 748,448+ votes. 103,795+ comments. 550+ ideas implemented.
Feb 10, 2015 Comment LinkI totally agree. I have an Inspiron 11 touchscreen and the touchpad is very unreliable. I have set the mouse settings to thw slowest but the cusor just takes off all over the screen and hover is so fast I cannot control it. It just starts opening windows and programs like crazy. When I load the 2013 version from ST Microelectronics I get a little control panel with settings but Windows updates the driver and the control thing goes away. This machine was made in late 2014. Hey Dell it's 2 years later and you haven't updated the driver. If you read the text file from ST it was updated for Windows 8 in 2013 as a sort of prototype.
May 28, 2012 Comment Linkyea that would be amazing for utouch support
Dec 20, 2007 Comment Link@jorge - looks like their answer to that was to delete the tag entirely.
Oct 8, 2007 Comment LinkThis is the dupe, not the real idea, don't work on a dupe.
Jul 19, 2007 Comment LinkMaybe my lifestyle just doesn't require it but still I must ask, What for?
Jun 26, 2007 Comment LinkThey should make it so its free, really.


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Featured News - Current News - Archived News - News Categories
Salaries for teachers are generally higher in Remsen than in any other school district in upstate New York. That's according to Business First's annual ratings of teacher pay, which are based on an analysis of salary levels at five selected points in teachers' careers.
Remsen, a small district in Oneida County, pays its teachers a median salary of $89,516, according to New York State Education Department data for 2011, the latest year for which official figures are available. No other district has a median above $76,000.
Rounding out the top five for teacher pay are Albany, Greenville, Sweet Home and South Colonie.
Business First's teacher pay rankings covered 430 school districts in 48 upstate New York counties. The study was limited to districts with enrollments of more than 260 students. Complete details will be printed in Business First's 2012-2013 Guide to Upstate School Districts, a 482-page electronic publication that will be available on Friday.
Business First analyzed pay levels at the fifth, 25th, 50th, 75th and 95th percentiles in each district. Niagara County districts listed in the top 100 for teacher pay included: 10) North Tonawanda; 14) Niagara Falls; 40) Niagara-Wheatfield; and 52) Lockport. Nearby in Erie County, Grand Island ranked 26th.
•Business First also released its top 100 rankings for administrative efficiency, with Lancaster rated the most efficient school system.
The runners-up on the efficiency scale are Arkport, Frontier, Williamsville and Hamburg.
Upstate's 430 districts have been assessed in three areas: spending per pupil, the ratio of pupils per administrative staffer, and the share of the district budget devoted to debt service.
Niagara County districts ranked in the top 100 included: 8) North Tonawanda; 29) Lockport; 66) Starpoint; 82) Royalton-Hartland; 95) Lewiston-Porter.
In nearby Erie County, Grand Island ranked 43rd.
•Business First's Upstate New York socioeconomic climate rankings put Pittsford as the most affluent school district in Upstate New York.
Rounding out the top five on the affluence scale are Niskayuna, Fayetteville-Manlius, Guilderland and Voorheesville.
Upstate's 430 districts were assessed by: share of students eligible for free or reduced-price lunches; percentage of 5- to 17-year-olds living below the federally designated poverty rate and the combined wealth ratio, a measure of property and income wealth within each district. A ratio of 1.000 equals the state average.
The best scores go to districts with high wealth ratios and low percentages or free lunches and poverty. In the top 100 for Niagara County are: 39) Lewiston-Porter; 58) Starpoint; and 86) Barker. Grand Island ranked 41.


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Safari Friends
Safari Friends Classroom Jobs Mini Bulletin Board Set
Safari Friends Happy Birthday Mini Bulletin Board Set
Charming wild animals give this Safari Friends Happy Birthday Mini Bulletin Board a bright and breezy look. This 16-piece set includes 12 month pieces, a Happy Birthday sign, a We're Wild About___ Birthday sign, a Today's Your Day! sign, and a picture frame/blank sign. The playful designs are perfect for a variety of classroom themes and displays, including adventure, nature, outdoors, science, animals, the zoo, and more.
- Month pieces measure approx. 5.5" x 9"
- Happy Birthday sign measures 10.5" x 6"
- We're Wild About sign measures 5.5" x 9"
- Today's Your Day sign measures 5.5" x 7.5"
- Picture frame/blank sign measures 9.5" x 5.5"
Mini bulletin board set also includes an instructional guide with display ideas and classroom lesson activities.
Make a wild statement with the Safari Friends Welcome Banner! This versatile 2-sided banner features a different message on each side—Side 1: "Welcome" and Side 2: "We're Wild About Learning." It can be used during back-to-school to welcome students and parents then flipped over for a positive, motivational message the rest of the school year.
The inspiring messages and nature-themed safari design make this banner perfect to use in so many places—a classroom, school hallway, church, daycare, summer camp and more! The banner measures over 3 feet wide!
Side 1: Horizontal Design: "Welcome" with an alligator, butterfly, giraffe, meerkat, zebra, lion, flamingo, and animal print letters.
Side 2: Horizontal Design: "We're Wild About Learning" features an animal-filled off-road vehicle on a dirt road in the savanna. Animals shown: zebra, giraffe, meerkats, elephant, cheetah, and lion.
- 2-sided
- 39" x 8"
Safari Friends Wild About... Bulletin Board Set


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Herein you will find essays composed to those new and experienced to the crafts of Dark Age of Camelot, from EA Mythic. I have tried to update these to the Laberinth of the Minotaur, Darkness Rising, Catacombs, and Trials of Atlantis updates, but as the warning reads, the game is subject to change without notice.
On the mysteries of those bonues which can be obtained from the finest level 51 crafted armors, it also lists their decoration and choices for caps.
Revealing the additional utility offered on the finest level 51 crafted shields, introduced in 1.87.
The newest craftable instrument, the harp, works as any instrument (just as a Champion or Phobeus Harp). Although basic harps may be crafted to level 26, 31, 36, 41, 46 or 51, this chart conveys the added benefits of the finest level 51 harps.
Item quality no longer affects imbue value. If using the old Kort's Calculator, set the quality of all newly crafted items to 100 (masterpiece) quality. For overcharges, it is a good idea to embue three gems that have no overcharge, and apply the fourth (preferably lowest cost) gem in a second application. Items and previously embued bonuses, charges, and procs will no longer be lost, only the gems you are adding (and your life) explode with a failure.
These are composed for the scholar or student of the art of Spellcrafting items in dark age of camelot, and not oriented twords the user / customer. Here the apprentice or sage alike will find hints about the craft and tables of Gems, embuing and costs.
These items in DF appear to offer the best value to the crafter who wishes to obtain raw materials for their craft. Many items seem to have changed-by-one recently, so help in verifying the list is welcomed.
This opus was composed for the poor crafter daunted by the task of crafting a 99 quality or Masterpiece for a client, and for the customers who might ask for such a thing. Although the specifics have changed in 1.87, and an item's quality has much less impact now on the ability to spellcraft it, the math is still useful, and someday will be refreshed.
You may declare yourself of Albion, Hibernia, or Midgard (and hide results for other realms), or declare yourself of the United Realms (and hide nothing).
You can find the latest calculator from the http://sourceforge.net/projects/kscraft main project page, or just follow the link below
Please notice that there is one .msi for the installer and that's the only file you need if you only plan to use the program. However if you are a coder, we do encourage you to grab the source code, and perhaps join us in improving the program (see below).
The new version is very very different from the old spellcraft calculator. You can add more than one or two items to a template by choosing Edit -> New Item, you can rename the item by replacing it's name in the upper right corner (change the name, for example from Crafted Item1 to Dragonsworn Mauler Staff or from Drop Item5 to Orion's Belt), and you can switch between items in the current outfit by choosing the drop-down button next to the item name. And you can name your outfit by changing the Outfit1 name to something like Melee Outfit, and then choose Edit -> New Outfit to add a second outfit. When you use the drop-down button next to the outfit name, you switch all your selected gear from one to the other. We know several hybrid classes and Necromacers will be especially pleased!
For crafted items, the LAST slot is always for a tincture. To put the extra slots into specialty level 51 armor, choose one of the options from the Edit > Item Type to switch a crafted item from Normal to Enhanced (for the items made with Broken Dragonsworn Armors and Weapons, and Perfected Armor Patterns). You can also choose the legendary weapons and other new bows and staves.
The items have a entire additional page of info! Toggle between them by clicking the Item Info/Item Slots button. These are provided mostly for loading Ethinarg's database items (read on...)
kscraft doesn't come with an item database! This is a tool for crafters, first and foremost, and we don't have the time to maintain a database. But thankfully, others do! Look for some great databases here:
Contact us if you host a database to add to our list.
By registering at ethinarg's site, you can also use his database within the crafting calculator to search and load items online.
The .zip and .tar.gz files are for DOS/Windows and Unix/Mac OS X format, respectively, and contain the same source code, with different line endings. Please don't download both unless you will use them both on both sorts of machines. Grab the x11-mac.tar.gz file if you will be using this on either X11 (such as Linux) or Mac OS X.
The new home for creating the kscraft project, now managed by both Kort and I, is http://kscraft.sourceforge.net/. The resource pages are at http://sourceforge.net/projects/kscraft for bug reports, developer discussion, and the source code development in svn.
You can now email me through ehrayn .at. craftsage.com, or continue to PM me on vnboards as ehrayn_of_gaheris. But it would be even better if you would post your messages about the calculator to the kscraft kscraft Project Users Forum so your idea or problem doesn't get lost.
Kort and I would love to see you on the forum offering patches to modify the program, suggestions for improvements. We are always looking for potential new kscraft team members, if we find you are regularly contributing.
Is ón cheann a thagann an cheird.


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Opinion: The SEC's Not-So-Fabulous Fab Trial
Assistant editorial page editor James Freeman says the SEC received some unusual assistance to make its case against former Goldman Sachs trader Fabrice Tourre. Photo: Associated Press
This transcript has been automatically generated and may not be 100% accurate.
... internal why Mary Kissel the SCC one a very big victory this week when ... former Goldman trader Fabulous Fab Tourre was found liable ... of misleading a sophisticated investor about a very sophisticated that on the mortgage market but there's more to this story the you haven't heard ... the system editorial page editor James Freeman is here with a scoop ... By mare behind James said something funny about that core processor ... well you mention party the story we haven't heard the journey never got tear it basically since ... Mr. tours lawyers were convinced that the SCC had not proven its case and ... what other people were convinced as well ... they decided ... not to call any witnesses and I'm sure were shocked when ... it ended up going against them and the jury of a ruling he was liable ... but to what the ... what jurists did not hear was specifically ... a witness of ... didn't hear from a witness they would kiss West right to really would have possibly blown apart the government's case so even if you ... can believe that to this point but held on the continent said that Mr. Tory didn't sell ... HCA a very sophisticated companies as another big investor John Paulson ... was betting on the opposite side of that that that shorting the market while he seems ConEd's exactly right so in CA but that housing was can we find a social and simplify here in the polls in bed the ... subprime housing market was getting going ... in the Torah would obviously Mr. Paulson turn of the ride the case hinges on ... did the Goldman missing for BCA and what they have ... acted differently if they realize they were of betting against Paulson instead of on the same site well ... that was that was the premise of the case this side ... of the specifically a phone call with Mr. s strike in two thousandseven ... you would think blows apart the entire the epitaph on the screen here because he is with AC and that I knew was that that that is supposedly you and I quote ... I mean these guys the hedge fund than a ... their shorting the stock right now ha ... this is a conversation between PLC Acadia and Goldman had just been incontinence the whole premise of the cases HCA does not know that ... it's an onshore that's that's the essence of this case that he's betting on housing to go to ... so here you have of this is three weeks before the CA makes its been long bets and winning housing's can be okay ... and their guy is on the phone with not someone in Goldman by the end of the person of another securities firm ... then he say now so of Paulson shortbread which in fact was ... begun at a new funds is yes ... and ... then head ... of the strikes as I was in short and a ... on the other guy says well they're betting on a ... doomsday scenario ... then there's a long conversation in detail about how Paulson has been going short on housing and they can kick around whether this is a smart idea in those e paying too much to go short is this the right moment ... I mean it it's a bit of world lose this case and ... the mine was this Indian out of the trial well no it was and I have two issues I mention that ... his lawyers thought they were doing so well that never call that this was right ... the second issue here and this is something where it may be grounds for appeal is ... these calls ... were were lodged by the SCC in two thousand ate but never mentioned ... until after we live in the case after the discovery process after a trial dated already been said the SEC's is all turns out we've got all these phone calls from up ... from the CAA ... they were able to use some of them ... and specifically to up ... to be able to prosecute Mr Torrance part of some kind of conspiracy this but they really use calls he was even on a ... day in the last thing he was even on as evidence for instance Goldstein liabilities so if they can persuade the judge that he's not acting alone and they are the oval that Ryan is part of some larger scheme ... they can then use other people that they claim are in the scheme ... when they do wrong as evidence against him so ... basically what happened is the prosecution used these tapes effectively ... the defense did not ... in the defense's Defense is futile to prestige U know about these tapes before the defense did and it makes you wonder whether the judges in on if Mr. Torre does decide to appeal were going to ... give and take a long look at that spot that did it appears from this ... from this phone call and that the of this premise that of a Caden know what the polls was doing is completely false while Lao it will be interesting to see a fabulous Fab appeal sounds like it might have grounds I was just an or a pigeon are James Freeman ... thank you very much thanks for


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Don Estes is the inventor of a combine add-on called The Disrupter that helps stop soybean crop stems from roping in rotary combines. Now Estes has designed a kit for John Deere STS series combines to reduce grain or "rotor" loss in corn.
Estes says he learned about rotor loss in John Deere STS series combines by reading farmer posts on Web forums last fall. "Farmers reported they were finding corn on the ground, especially in high-yielding or high-moisture areas of their fields," he says.
"Any crop loss that is experienced in a rotary combine happens because whole corn shucks carry out kernels," Estes continues. "The Disrupter serves as an internal cutting device that will disrupt the flow of the crop and help keep more grain from being carried out of your combine."
The John Deere Disrupter kit consists of 12 metal lugs that are installed in the separation section of the combine's rotor on a 90° angle with the crop's rearward movement. The lugs pulverize the shucks as the shucks pass through the separator, leaving grain in the machine instead of on the ground.
Estes displayed prototypes of The Disrupter kit for John Deere STS series combines at the 2010 National Farm Machinery Show and has sold a few dozen kits since then. Tony Ferkin, a customer from New Zealand, says The Disrupter cut grain losses by 50% in tough, high-yielding areas of his fields and virtually eliminated them in normal conditions."Even if these disrupters [decrease] losses a small amount, they are well worth the investment in my view," Ferkin says.
Price of the John Deere STS Disrupter kit is $388. Estes continues to supply Case IH dealers with kits for the Axial-Flow combines. The company also rebuilds and hardfaces cylinder bars, rotor bars, concaves and other wear parts on combines.
For more information, contact Don Estes at CM Welding, 4496 N. Co. Rd. 0 E-W, Frankfort, IN 46041, 765/891-1722, or cmweldinginc.com. You can also e-mail Estes at email@example.com or email@example.com.


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RAVENSWOOD – Jesse Brown pitched a two-hit gem with 12 strikeouts and Heath Burgess fanned nine in a five-hitter as the Ravenswood Red Devils swept a baseball doubleheader from visiting Doddridge County Saturday at Wright Field.
In the opening game, Red Devil southpaw junior Jesse Brown had his curve ball working, fanning 12, walking two and allowing just a pair of single in a complete-game 11-2 win.
Ravenswood grabbed the lead with four runs in the bottom of the second inning. Nic Ballard led off with a single and advanced to second on an error. Brown struck out but reached first base on a passed ball on the third strike and Ballard hustled in to score throw to first. Thomas Sturm singled in Brown and Ben Johnson drove in Sturm, advancing to third when the sharp single got past the center fielder. Johnson then scored on Devon Crews' RBI ground out.
The Bulldogs sliced the 4-0 deficit in half with a pair of runs on one hit and a handful of errors.
The Devils went scoreless for two innings, stranding three base runners, but then exploded for six runs in the bottom of the fifth. Burgess led off with a walk and stole second and third bases. He scored on Trey Hatcher's RBI bloop single to center field. Ballard singled to center field, and both Hatcher and Ballard scored when a pick-off throw to third sailed down the left field line. After a walk, Sturm lofted a bloop single to right field for an RBI and Crews drove a two-run triple to left center field.
Ravenswood added a single run in the bottom of the sixth to cap the 11-2 win.
Josh Smith took the pitching loss for the Bulldogs, pitching six innings with six strikeouts, seven walks and six hits allowed. Michael Fraley pitched the final two innings, fanning none, walking four, allowing two hits and two hitting batters.
At the plate for Ravenswood, Devon Crews had a triple and four RBIs. Thomas Sturm had two singles and two RBIs; Nic Ballard, two singles; and Ben Johnson (two RBIs) and Trey Hatcher (RBI), a single.
Josh Smith had one of Doddridge's two singles.
In the second game of the twin bill, Heath Burgess fanned nine, walked three, scattered six hits and hit one batter on his way to a complete-game 8-4 win.
The game was scoreless through four and one-half innings, before Ravenswood broke through with a single run in the bottom of the fifth. The Bulldogs stranded seven base runners for the game.
In the fifth, Thomas Sturm laced a two-out single and Will Schindler followed with a RBI triple down the right field line to score Sturm. Schindler was caught in a rundown between third base and home plate on a pick-off move by the Bulldog pitcher Michael Farley to end the inning.
Ravenswood then exploded for seven runs in the bottom of the sixth, after Doddridge ahd tied the game at 1-1 with a run in the top of the sixth. Doddridge scored after a lead-off walk was followed up by an RBI double. A strikeout and a popup to first ended the Bulldog inning.
Burgess helped out his own cause in seven by lacing a single to left field that drive in three runs. Logan Jarrett led off by reaching on a error by the Bulldog second baseman and Devon Crews walked. Issac Crow was walked intentionally to load the based prior to Burgess's three-run shot that got past the left fielder. Burgess advanced all the way to third base on the play. Ben Johnson's RBI single scored Burgess, who stole second. Patrick Click's RBI single to center field scored Johnson and Thomas Sturm's RBI double scored Click. Jarrett's RBI ground out to first scored Sturm.
Doddridge plated three runs in the top of the seventh on after errors set up the first run and back-to- back two-out doubles scored two more runs. Burgess then enticed the next Bulldog batter to ground out to Crews at short for the final out.
At the plate, Sturm had a single, double and RBI for the Devils. Will Schindler added a triple and RBI; Burgess, a single and three RBIs; Ben Johnson and P.J. Click, a single and RBI each; and Logan Jarrett, an RBI.
Michael Fraley took the loss for the Bulldogs, fanning none, walking one and allowing four hits over five innings. Josh Briggs pitched one inning, fanning one, walking two and allowing four hits.
Devils sweep Bulldogs in doubleheader
RAVENSWOOD – Jesse Brown pitched a two-hit gem with 12 strikeouts and Heath Burgess fanned nine in a five-hitter as the Ravenswood Red Devils swept a baseball doubleheader from visiting Doddridge County Saturday at Wright Field.


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04 November 2006 23:45
Dr. Koala Dickby tdog119
Hilarious Website. Should be writing for SNL
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last mark : 04/11/2006 23:56


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Her Excellency the Governor General transmits to the House of Commons the Supplementary Estimates (A) of sums required for the public service of Canada in the fiscal year ending on March 31, 2002, and, in accordance with section 54 of the Constitution Act, 1867, recommends these estimates to the House of Commons.
House of Commons Hansard #107 of the 37th Parliament, 1st Session. (The original version is on Parliament's site.) The word of the day was finance.


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You have your medals,Now, give one to Them.Spouse MedalChild MedalParent MedalLet them know you care.
Save Our Benefit DoD Podcasts In The FightASM Job Advantage
By David McNally, ARL Public Affairs July 25, 2017
ABERDEEN PROVING GROUND, Md. -- Army scientists and engineers recently made a groundbreaking discovery -- an aluminum nanomaterial of their design produces high amounts of energy when it comes in contact with water, or with any liquid containing water.
During routine materials experimentation at the U.S. Army Research Laboratory, a team of researchers observed a bubbling reaction when adding water to a nano-galvanic aluminum-based powder.
By Lance Cpl. Jake McClung, 3rd Marine Aircraft Wing
SAN DIEGO, CALIF. -- Marines with Marine Wing Support Squadron (MWSS) 373 supported the Veterans Village of San Diego during their 30th Annual Homeless Veteran Stand Down July 21 to 23, at San Diego High School in San Diego.
The stand down offered homeless veterans shelter and provided services such as medical care, dental care, legal assistance, haircuts and food for three days.
Tuesday, July 25, 2017
1. Am I eligible for the Veterans Choice Program?
To be eligible for the program, you must be enrolled in VA health care and must also meet at least one of the following criteria:
By Navy Petty Officer 2nd Class Charlotte C. Oliver Defense Media Activity - Navy
CHARLESTOWN, Mass., July 24, 2017 — After a two-year restoration at historic Dry Dock 1 at Charlestown Navy Yard, Boston National Historical Park, America's oldest commissioned warship, the USS Constitution, was refloated July 23.
Since entering dry dock, May 18, 2015, ship restorers from the Naval History and Heritage Command Detachment Boston and teams of sailors have worked tirelessly side by side to bring Old Ironsides back to her glory.
The reality of paying for college is that many families find themselves struggling to cover the entire college bill, despite having already filed the Free Application for Federal Student Aid (FAFSA®) form and receiving federal, state, and school-based financial aid and scholarships. If you find yourself in this position, here are some ideas to consider and places to look to help fill the gap between what your financial aid covers and what you owe your school.
TIP: The financial aid office at your school is an excellent resource. If you didn't get enough financial aid, contact your school's financial aid office. They can help you explore your options.
By: Tom Philpott July 13, 2017
Military Update: The Senate Armed Services Committee has voted to make permanent the Special Survivor Indemnity Allowance (SSIA) set to expire next spring, and paid monthly to 63,000 survivors of service members who died on active duty or, more commonly, died of severe service-connected health conditions in retirement.
If the Senate initiative becomes law, the SSIA payments of $310 a month also would be adjusted annually, starting in 2018, by the same percentage cost-of-living adjustment used to keep military retirement from fading to inflation.
By Lance Cpl. Niles Lee | July 21, 2017
Sailors with 4th Marine Logistics Group and Expeditionary Medical Facility Camp Pendleton came together in support of Innovative Readiness Training Louisiana Care 2017, alongside members of the Air National Guard, to provide medical support to local communities in the Saint John the Baptist Parish, Tangipahoa Parish and Assumption Parish in Louisiana, July 10-24, 2017.
IRT Louisiana Care 2017 is providing Louisiana communities with medical, dental and optometry care at no cost to patients, while also providing service members the opportunity to work with other branches in a domestically deployed environment to prepare them for future deployments or mobilizations.
By Ed Barker, Naval Education and Training Professional Development Center Public Affairs
PENSACOLA, Fla. (NNS) -- Naval officers unable to pursue full-time graduate studies now have an additional education option with the FY-18 Graduate Education Voucher (GEV) program, announced July 11.
Detailed in Naval Administrative Message (NAVADMIN) 160-17, the GEV program offers eligible officers the opportunity to receive funded graduate education during off-duty hours. Through GEV, unrestricted line (URL) officers can apply to receive funding for Navy-relevant graduate education meeting the requirements of at least one sub-specialty code as specified by the Navy Sub-specialty System.
Recently married? Getting married soon? Congratulations! Weddings can require a lot of planning, and you probably already have a ton on your plate, but there is one item you may not have on your to-do list that I recommend you add—figuring out how getting married can impact your student loans.
Now that you've read the title, I'm sure you're thinking, "Wait. Getting married impacts my student loans?" If you're enrolled or interested in enrolling in an income-driven repayment plan, it sure can.
By Alan Zilberman on July 12, 2017
Do you follow any of your favorite brands on Instagram? Ever checked into a restaurant on Facebook? Tweeted at a company or government office about a customer service issue?
Social media is not only a tool for people to keep in touch; it has also become an important way for businesses, government and organizations to reach wider audiences. It provides a dynamic avenue beyond radio, television and other traditional forms of advertising to interact with clients or consumers directly.


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The Chira Designs Fanny pack is simple, but loaded with personality. Conveniently small, it's perfectly sized to hold your essentials. All seams are sealed with binding tape to keep the edges from fraying. It's made from a combination of nylon and cotton fabric, and fully washable. The webbing will fit around a 48" waist and is adjustable all the way down to the skinniest of waists. Its crescent shape is designed hug the body without a whole lot of bulk.
My cotton fanny packs are machine washable. Just place it inside a lingerie bag or pillow case so that the straps do not 'clunk' around and dry it the same way or hang from your clothesline.
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Inside Key Clip.
I ship USPS Priority daily.
If you live outside of the US or need expedited shipping, please convo me to find out the actual cost... as it varies.
For more cute whimsical fanny packs, please visit my Etsy shop:
Please note: International orders may be subject to additional Duties or Taxes as determined by your Country. Some Countries have an allowance for Individuals, but other countries charge a percentage of value --- please check this out before ordering.
We accept all major credit cards through PayPal.
Your order may be cancelled at any time prior to being shipped --after your item is shipped, you may return your item within 30 days of your purchase.
All orders are shipped within 24-48 hours Monday - Friday 8am - 5pm.
We use USPS to deliver our orders:
Order Tracking
If a tracking # is provided by the shipping carrier, we will update your order with the tracking information. Please note that some orders using 1st Class USPS mail will not have tracking numbers.
Shipping Rates
The rate charged for the shipping of your order is based on the weight of your products, and your location. Before the final checkout page you will be shown the cost of shipping -- if the rate appears to be incorrect, please contact us.
International Orders
Orders shipped to destinations outside the USA may be subject to additional Shipping and Postal charges as determined by your Country. Please do your due diligence before ordering.
Just contact me within: 14 days of delivery
Ship items back to me within: 30 days of delivery
Request a cancellation within: 2 days of purchase
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Please contact me if you have any problems with your order.
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PO Box 308
Santa Barbara, CA 93116
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text: Job Discussion Forums :: View topic - EF Palembang Get TEFL Certified & Start Your Adventure Today! Job Discussion Forums"The Internet's Meeting Place for ESL/EFL Students and Teachers from Around the World!" FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in EF Palembang Job Discussion Forums Forum Index -> Indonesia View previous topic :: View next topic Author Message NBFJoined: 29 Aug 2004Posts: 13 Posted: Wed Sep 15, 2004 5:41 pm Post subject: EF Palembang My partner and I are currently considering a teaching position with EF in Palembang, and were just wondering if anyone had any feedback regarding the school, the city, or life in Indonesia in general. Thanks. Back to top TEAM_PAPUAJoined: 24 May 2004Posts: 1679Location: HOLE Posted: Thu Sep 16, 2004 5:19 am Post subject: 8 Quote: My partner and I are currently considering a teaching position with EF say no more...help yourself now by avoiding this company like the plague. Indonesia is incredible, despite recent (and not so recent) events, but leave EF Indonesian franchises well alone. T_P Back to top NBFJoined: 29 Aug 2004Posts: 13 Posted: Thu Sep 16, 2004 5:20 am Post subject: Update: We've actually been offered the position now, and would greatly appreciate ANY feedback that anyone has. Is it common for an employer in Indonesia to offer a job without a phone interview at least? Back to top gugelhupfJoined: 24 Jan 2004Posts: 575Location: Jabotabek Posted: Thu Sep 16, 2004 7:40 am Post subject: Re: 8 [quote="TEAM_PAPUA"] Quote: Indonesia is incredible, despite recent (and not so recent) events, but leave EF Indonesian franchises well alone. T_P That's a bit unfair isn't it? There are some EF franchises in Indonesia I wouldn't touch with a long stick but there are also reputable ones - just look at other posts on the forum. You won't get rich working for them but there are some decent DoS's working for EF. Back to top El LlamaJoined: 12 Jul 2004Posts: 70Location: The Big Durian Posted: Thu Sep 16, 2004 8:42 am Post subject: It is extremely uncommon to be offered a post without even speaking to anyone at the school and it would not be prudent to accept without knowing the kind of details that a phone interview could provide. NBF, have you been offered the position directly, or through a recruiting agency? This smells like ESL Asia to me (may be going under a different name by now. Check this thread: http://www.eslcafe.com/forums/job/viewtopic.php?t=12155 ). Have you been asked to send off original documents or pay an "administration fee?" Even if this is a direct offer from EF, it might be a good idea to at least have a chat with your prospective boss. Indonesia is desperate for teachers, but are you desperate for EF Palembang? Good luck. El Llama. Back to top JoachimJoined: 01 Oct 2003Posts: 311Location: Brighton, UK Posted: Thu Sep 16, 2004 9:42 am Post subject: Hmmmmm, well the food from that region of Sumatra is delicious...... But other that that I can't think of any positives (bear in mind though, I never actually worked there, or for EF in Indonesia). Back to top ls650Joined: 10 May 2003Posts: 3484Location: British Columbia Posted: Thu Sep 16, 2004 3:43 pm Post subject: Re: 8 gugelhupf wrote: That's a bit unfair isn't it? There are some EF franchises in Indonesia I wouldn't touch with a long stick but there are also reputable ones - just look at other posts on the forum. I agree. It's a franchise operation: some EF schools are bad but others are decent. I recommend the OP try to contact teachers who have worked or work now at this school to ask them directly what they think of the school. Back to top NBFJoined: 29 Aug 2004Posts: 13 Posted: Thu Sep 16, 2004 6:48 pm Post subject: Sorry all, I've made a mistake with my original post. The position is with EF Cibubur, not Palembang. We had applied at both and I got them mixed up. Anyway, the offer is directly from the DOS (I believe) at this particular school. They have not asked for anything in the way of documents or fees. My initial feeling was that it seemed a little too easy, and when the position was offered without asking for a phone interview I got that suspicious gut feeling. We requested the email address and phone number from teachers currently at the school, and were provided with an email address, so we do have the option of some further feedback. Thanks to everyone who has replied. Back to top AsiaTravellerJoined: 24 May 2004Posts: 908Location: Singapore, Mumbai, Penang, Denpasar, Berkeley Posted: Thu Sep 16, 2004 7:19 pm Post subject: TEAM_PAPUA wrote: All Chinese girls should be herded into a large field & SHAVED T_P I wouldn't (and don't) trust any opinion from somebody who has that sentence as part of his signature. Back to top AsiaTravellerJoined: 24 May 2004Posts: 908Location: Singapore, Mumbai, Penang, Denpasar, Berkeley Posted: Thu Sep 16, 2004 7:48 pm Post subject: NBF: I assume that you know that Palembang and Cibubur are worlds apart, although not that far by plane within Indonesia! Palembang is a rather nice, medium-sized city that is the capital of the province of South Sumatra. Its main focal point is its river. There are nearby green parks and mountains to visit. The food from west and south Sumatra is famous all over Indonesia as being very spicy but extremely tasty. Cibubur is part of the urban sprawl that is Jakarta, Indonesia's capital metropolis on the island of Java. Cibubur is actually a district in the 'city' of East Jakarta but is not too bad as far as urban places go. There are plenty of green spots. It is also home to military installations (including a notorious detention facility with torture) and major sporting events held at the Cibubur Scout Camp. Also in Cibubur (or very close) is one of Indonesia's prime urban tourist destinations: Taman Mini Indonesia. This is a huge theme park that tries to reproduce the culture of each of Indonesia's provinces. Very kitsch, but a must-see. Do a search on 'Cibubur' here on Dave's ESL Cafe. I think it came up recently in some discussion or other. Hope this is helpful! Back to top WinmarJoined: 11 Feb 2003Posts: 125Location: Melbourne Posted: Fri Sep 17, 2004 2:34 pm Post subject: Hey that was a nice and helpful reply! Definitely find out from someone who's worked there what the school is like. Some EF franchises are horrible, but others are pretty good. Certainly pays to do your homework, as if the place turns out to be dodgy, there are always plenty of others which will take you. Back to top everybody_loves_chandlerJoined: 22 Nov 2004Posts: 6 Posted: Tue Nov 23, 2004 2:44 am Post subject: EF Palembang hey folks, I live in Palembang and run with the EF crew in the weekends. Tight bunch but as usual everyone has their hangups. The DOS is friendly and approachable. I've met the boss and she seems ok. I havent heard any complaints about her. The thing I have against working there is the 4 million rupiah a month. Its just not enough. With the market being as it is and the difficulty in supplying teachers for positions, for those of us already here, negotiating contracts is simply a must. They need us more than we need them. DoC Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Job Discussion Forums Forum Index -> Indonesia All times are GMT Page 1 of 1 Jump to: Select a forum Where to Begin----------------General DiscussionNewbie ForumCurrent Events ForumTechnology ForumOnline Teaching Forum Africa Forums----------------General Africa Forum Asia Forums----------------CambodiaChina (Job-related Posts Only)China (Off-Topic)Hong KongIndiaIndonesiaJapanMalaysiaPhilippinesSingaporeTaiwanThailandGeneral Asia ForumVietnam Caribbean Forums----------------General Caribbean Forum Europe Forums----------------Czech RepublicFranceGermanyGreeceItalyMacedonia and the BalkansPolandRomaniaRussia & C.I.S.SpainTurkeyUkraineUnited KingdomGeneral Europe Forum Latin America Forums----------------ArgentinaBrazilChileColombiaCosta RicaMexicoMexico (off-topic)PeruGeneral Latin America Forum The Middle East Forums----------------BahrainEgyptIsraelKuwaitOmanQatarSaudi ArabiaUnited Arab EmiratesGeneral Middle East Forum North America Forums----------------General North America Forum Oceania----------------Australia/New Zealand You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum This page is maintained by the one and only Dave Sperling. Contact Dave's ESL Cafe Copyright © 2018 Dave Sperling. All Rights Reserved. Powered by phpBB © 2001, 2002 phpBB Group Teaching Jobs in China


text: Sleeping Beauty's castle at Disneyland, where a measles outbreak in 2015 led to children being sickened in several states. Jae C. Hong/AP 19 avril 2017 Why your child still needs vaccines, even if you may not know someone with the disease Edward Bell, Drake University You may not know anyone with an infectious disease covered by the immunizations on the 2017 list of recommended vaccines. Here's why that doesn't matter, and why children still need to be protected.


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Say "Happy Birthday!" in a very big way with JUNIOR'S BIRTHDAY FUDGE CAKE: This decadently delicious birthday fudge cake is every chocolate lover's birthday wish come true! Layers of moist, rich chocolate cake, chocolate ganache and sweet fudge frosting create this Junior's® masterpiece. This gift includes fresh ingredients and requires 2-Day delivery. Serves 12. Net wt. 3 lbs. Kosher.
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Your mullet is muy thick, senor. And it streams gloriously in the wind as you throw yourself out the plane and plummet toward an island hundreds of miles below, where whores live in volcanoes, and roaming militias of bloodthirsty madmen slaughter each other for land and power.
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As wearable as they are beautiful, Senso shoes are comprised of the finest materials, trims, treatments and linings for the ultimate in stylish comfort . Senso stays true to its vision of bringing you shoes with a point-of-view, an edge, a touch of fun and a distinguished sense of effortless style. The Senso style is inspired by the classic yet obscure, whilst still firmly staying true to the brands roots of effortless fashion ease and a subtle sense of luxury.


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CP3 leads Clippers past injury-depleted Knicks
LOS ANGELES -- Without Carmelo Anthony, Tyson Chandler and Amare Stoudemire, the New York Knicks are hardly a team that should present many problems for the Los Angeles Clippers.
Although the Clippers caused a few problems for themselves, they solved them in plenty of time to keep moving toward their franchise's first Pacific Division title.
Chris Paul had 20 points and eight assists, Caron Butler added 14 points, and the Clippers beat the injury-depleted Knicks 93-80 Sunday in a meeting of division leaders.
Blake Griffin had 12 points and 12 rebounds for the Clippers, who shook off a turnover-plagued start and pulled away in the second half of their first home win since February 2009 over New York, silencing the cadre of taunting Knicks fans that invades Staples Center for each visit.
"We want them to be at full throttle with Melo and Tyson just for the competition of it," said Chauncey Billups, who scored 12 points. "When they're not playing, it's just human nature to have a subconscious letdown, but you have to find a way to just scrap through it."
Jamal Crawford scored 12 points for the Clippers, who went up by 19 points in the fourth quarter and comfortably weathered New York's final run to wrap up Los Angeles coach Vinny Del Negro's 200th career victory.
With three days of rest following Wednesday's discouraging home loss to Memphis, the Clippers struggled through an unsightly first half against New York, making 10 turnovers while taking a small lead. Los Angeles finally got rolling in the third quarter, with Griffin throwing down a percussive one-handed dunk on a lob from Paul during a 16-5 Clippers run.
"You want to be playing not just for the seeding, but to be ready going into the playoffs," said Griffin, who had a strong second half in his first game since his 24th birthday. "It's the time when everybody's intensity needs to be turned up, and we need to be dialed in for every single game, no matter who we're playing."
J.R. Smith scored 17 points and Raymond Felton had 16 for the Knicks, who played without All-Stars Anthony and Chandler in their fourth straight double-digit loss on a five-game trip. New York's Atlantic Division lead over Brooklyn dwindled to a half-game heading into the Nets' home game against Atlanta later Sunday.
"We're all professionals, and sometimes you're going to play short-handed, so you've got to compete, said Jason Kidd, who scored 11 points as the third-oldest player on the court. "In that third quarter, we just lost control of the game. We're going out there trying to win, so we're not sacrificing anything. The biggest concern is just our health. We've got to get healthy first and go from there. But there's no guarantee those guys are going to come back, so we've got to play with the guys we have."
New York understandably isn't faring well without the NBA's second-leading scorer and its seventh-leading rebounder, but is hoping Anthony and Chandler will bounce back from injuries that wouldn't allow them to finish the Knicks' game against the Nuggets four days earlier.
Anthony left in the third quarter of his long-anticipated return to Denver, and eventually needed fluid drained from his right knee, making his return uncertain. Chandler bruised his left knee in Denver, and both stars missed the Knicks' visit to Portland last Thursday night.
New York also is still without Stoudemire, who will be out for at least six more weeks after recently undergoing surgery on his right knee. The Knicks finish their trip in Utah on Monday night.
"We know we're a few men down and we can make excuses, but we're not going to make excuses, man," said Kenyon Martin, who had four points and nine rebounds while starting and playing 28 minutes. "Guys have pride. We're going to compete every night, no matter who's playing for us. It's tough. We gave ourselves a chance early in the third quarter and didn't back down, but it was an uphill battle from there."
The Clippers are getting healthier, with Butler hitting four 3-pointers in his return to the starting lineup despite a strained left elbow. But point guard Eric Bledsoe missed his third straight game with a sore left calf, and Ronny Turiaf was inactive with a sore left knee.
Los Angeles led 79-60 before Steve Novak hit two 3-pointers during a 12-3 run. New York got within 10 points, but Paul and Lamar Odom hit key shots down the stretch.
With a nine-game lead over Golden State, the Clippers are coasting to the first division title in the franchise's 43-year history dating back to its origin as the Buffalo Braves. With its second straight postseason trip all but certain, Los Angeles is four wins away from surpassing the single-season franchise record of 49 victories, and five home wins shy of setting that mark as well.
"It's not tough (to stay focused), because we haven't been playing the style that we want to play," Paul said. "We can get better, so it's important for us to focus on these last 15 games."
NOTES: Chandler, a Los Angeles native, leads the NBA in field goal percentage (.645). ... Smith converted a four-point play in the final minute of the third quarter. ... Griffin, DeAndre Jordan and New York's Iman Shumpert wore green shoes for St. Patrick's Day.


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The article is written by Ty Sawyer, editor of Sport Diver and is a great read:
And whether it's notes of music, a passion for conservation, the technical inventiveness or a combination of all these elements that lift Cheng's images above the top underwater shooters today, there's an enviable depth to his photography.
Check it out HERE.
UPDATE: See the entire article as a PDF.


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Make Your Own Family Fun at Our Beautiful Resort! Loon Lake Lodge and RV Resort offers you some of the best lodging and camping near the Oregon Coast.
With many types of cabins, plus yurts and RV and tent sites you will enjoy your days at Loon Lake and the activities of the Oregon Coast Range and the nearby towns. A Loon Lake vacation is fun and affordable when you stay with us! Our on-site Marina offers boat, paddleboard, houseboat, pontoon boat and jet ski rentals. Our sandy beach with a volleyball court and the summer activities planned by our staff will bring lots of smiles to your entire family.
Loon Lake's Call (Eugene Register Guard)
Unlocking Loon Lake (Sea Ray Magazine)
The Most Beautiful Lake You've Never Seen (RV Life Magazine)


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Send me the Info »
FREE GUIDE INCLUDEDTop 10 Tips for Buying Property
These super luxury apartments are under construction now and will offer one of the best locations that Downtown has to offer. Prices are dependent on size and location within the building.
Residences here offer high quality finishings which include:• heightened 10'-6" ceilings in Living Rooms and Bedrooms• satin finished oak and walnut hardwood flooring in Entry, Living, Dining, Master Bedroom and Guest bedroom or equivalent• expansive and elegantly proportioned window-‐walls with panoramic views• generous and continuous balconies wrapping every suite• bespoke crafted and fitted wardrobes for walk-‐in closets and dressing rooms• premium 'studio line' burnished brass door hardware and ironmongery• custom wood veneer solid core doors
Kitchens• Custom‐designed kitchen cabinetry, finest wood finishes and elegant metal fittings• professional‐standard stainless steel appliances by Gaggenau• four burner glass ceramic hob• stainless steel 'Power' series dishwasher, quiet and energy saving• stainless steel, two door, bottom freezer refrigerator with integrated ice-maker• stainless steel, powerful ventilation hood• stainless steel wall mounted microwave• Caesarstone quartz countertops, pure white classic finish• under mount stainless steel kitchen sink by Kohler• classic bridge style faucet, deck mounted with accessories, from Kohler.• marble slab tile flooring Bathrooms and Powder rooms• deluxe designer line Kohler faucets, sinks and accessories• herringbone marble tile floors• luxurious marble mosaic wall tile in showers with custom gold mosaic porcelain accents• full size laundry appliances Technology & Lighting• Concealed lighting designed by illuminate• recessed LED lighting fixture throughout the building• premium quiet fan coil air conditioning and ventilation system with central chiller plant• two-way video intercom link to lobby concierge• residences are fully pre‐wired for high speed internet/phone/data
This development has a buyer friendly payment plan with 50% due on completion
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The Carthage College football team (1-4, 0-2 College Conference of Illinois and Wisconsin) lost to CCIW-opponent and No. 13 Wheaton College (Ill., 5-0, 2-0 CCIW), 28-0, on Saturday, Oct. 12 in the Red Men's Homecoming game at Art Keller Field in Kenosha, Wis.
Wheaton took a 7-0 lead at 4:14 first period with a 12-play, 65-yard scoring drive that ended with a one-yard run by Jesse Geary. The game was halted for 35 minutes at 1:35 p.m. with 12:23 on the clock in the second period. When play resumed, Wheaton's Sam Cote missed a 32-yard field goal. The Thunder made it 14-0 at 1:19 second period on a 19-play, 75-yard drive that was capped with a three-yard run by Geary. Neither team scored in the third period, but Wheaton scored twice in the fourth quarter. An 11-play, 70-yard drive ended at 13:11 with a 31-yard touchdown pass from Jordan Roberts to David Washko. The Thunder's final touchdown came on a seven-play, 61-yard drive that ended with a 31-yard carry by Geary at 8:33.
Wheaton rolled up 435 total offensive yards, 227 rushing and 208 yards passing, while Carthage collected 256 yards, just eight yards rushing and 248 yards passing. The Thunder had a 33:05 to 26:55 edge in time-of-possession and a 25-16 advantage in first downs, including six-of-15 on third-down conversions. The Red Men, who have been plagued by turnovers the last few weeks, did not turn the ball over against the Thunder.
Wheaton quarterback Jordan Roberts completed 21-of-32 passes for 191 yards, with Jesse Geary catching seven passes for 57 yards and running for 115 yards on 21 carries. Carthage quarterback A.J. Simoncelli (So., Downers Grove, Ill./South) completed 28-of-42 passes for 248 yards with Jamahl Wright (So., Brookfield, Wis./Hartland-Arrowhead) catching 11 of those for 85 yards. Red Men outside linebacker Sean Oroni (So., Batavia, Ill.) led the Carthage defensive effort with 10 tackles (8 solo, 2 assisted).
"Wheaton is a good football team," said Carthage coach Mike Yeager, " and the game really came down to them making third-down plays. We had our share of opportunities to convert on third down but didn't. Against a good time like Wheaton, you have to control both the turnovers and the conversions. Wheaton also got the job done on the line, both offensively and defensively. We just have to get better and keep working on becoming better, fundamentally. We have to tackle better and block better. If we do that, you'll see us play better. Wheaton doesn't give you a lot of room on top of the defensive backfield, so we tried to take advantage of that they gave us, underneath."
Carthage plays host to conference-opponent Illinois Wesleyan University on Saturday, Oct. 19 in a 6 p.m. game, also at Art Keller Field.


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Mon, 29 June 2009 at 6:50 am
Rihanna Trumps Them All
Rihanna covers up in a baby blue hoodie and bares her legs as she steps out of her Midtown Manhattan hotel on Saturday afternoon (June 27).
Earlier in the day, the 21-year-old Bajan beauty was seen shopping at H&M and Steve Madden.
On Sunday, Rihanna was M.I.A. from the 2009 BET Awards but she did pick up the BET Awards for Beautiful Hair and Viewer's Choice (for her music video for "Live Your Life" with T.I.).
15+ pictures inside of Rihanna trumping her competition…
Just Jared on Facebook
Photos: Fame Pictures Posted to: Rihanna
Sponsored Links by ZergNet


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Seattle Beer Week starts today – just last week we rode to Schooner Exact, a micro-brewery in South Park, during the Mobile Social.
Beer and bikes go together nearly as good as coffee and bikes. Peas and carrots. Ginger and Maryann. Brad and Angelina. Fixies and brakes.
The festivities during beer week include a brewery-to-brewery bike ride.
Tour de Pints Bike Ride. Meets at 11 am at Pike Brewery downtown…rolls out around 11:45. We hope to have Charles and Rosanne along for the ride. From Pike we will head to Dexter and Hayes, then to Brouwer's Cafe. In this ride at times there will be options for those who want it to give themselves a challenge, leaving Brouwer's is the first time for those that want to take on the feats of strength to do so. The options are the Park Pub or the Dray….we will all meet again at Naked City….then those that want to take on another feat of strength can do so and head to the Fiddler, those that don't will head to the Duck Island…we will all meet again at the Big Time, then those that want to take on the feat of strenght will head to Smiths, those that don't will head to Feierabend and we will all end the ride at Elysian Fields, and the 40 beers of Elysian event.
Also see Kulture Freaks @ Brouwers


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The act of watching numerous recorded university lectures at 2x speed in a futile attempt to cover an entire semesters material the day before the final exam.
"Have you studied for tomorrows exam?"
"Nah, I'm chipmunking all the lectures tonight."
"Nah, I'm chipmunking all the lectures tonight."
by MonkChipper November 10, 2012
Chipmunking.. In the porn world, It's when the guy pushes his stiff cock into your cheek hard from the inside out, creating the classic "chipmunk face" with bulging cheek. Now a true chipmunking purist will point out that the cock must be pushing so hard that there is a discernable dick head outline showing thru her tightly strained cheek..
by Jessica Pimpsum July 06, 2008
1. When a woman swollows the entire male genitalia and places one ball in each cheek thereby mimicing a chipmunk.
2. To swollow a mans dick and balls.
2. To swollow a mans dick and balls.
Todds mom is amazing, She was chipmunking me while humming the american anthem!
by Ghost Bears February 25, 2010
The act of speeding up a song to make the voice high-pitched, like a chipmunk. It originates from the cartoon/band/movie/phenomenon Alvin and the Chipmunks
Dude, that song would be so funny if you chipmunked it.
Chipmunking makes songs funny
Chipmunking makes songs funny
by EveryHourOnTheHourTheyDrewBlud March 21, 2009
(v) The process of placing an erect penis on the inside of another person's or persons' (preferably of the opposite sex) cheek so that they may resemble a chipmunk.
by WhatTheIRSCanDoForYou March 29, 2006
When the beer is running low at a party and you begin to stuff your pockets. That way once the beer is gone you are well stocked for the rest of the night.
by Iowa State January 26, 2010
verb. Two-handed texting; i.e. Holding your cell phone, Blackberry, etc. up to your face and using two hands to text... resembling a chipmunk with a nut.
by josi3006 July 31, 2007


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Crysis developer Crytek has inked a deal with THQ to develop the next Homefront game, significantly raising the chances of the sequel actually being good.
"Homefront's unique setting and storyline captivated gamers the world over," said THQ's Danny Bilson, expertly neglecting to mention the gameplay. "With Crytek's industry leading technology and legendary experience in the FPS genre, we're supremely confident that the next Homefront will deliver that AAA-quality experience that players demand."
Crytek CEO Cevat Yerli believes that his studio can turn Homefront into a "truly blockbuster game."
Although THQ's press release did not state so, it's said that Crytek UK will be handling the title.
Homefront had masses of potential, but spent most of its campaign fellating one of the NPCs -- an NPC who was completely unlikable due to his snotty attitude and perpetually straining voice actor. I hope the next game builds its experience around the player, rather than a bunch of nobodies who insist on opening every single door for you.
Here's hoping!
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Man, Cross is really tough to pick out who got dropped. Let's face it, cross isn't about getting dropped. It's about having a good time while strapping on for 45 minutes to an hour for a nice little visit in the pain cave.
YGD is ready for the cross season. It's here, folks. This past weekend, a few lucky YGD readers blasted the sweet smell of YGD embrocation in Baltimore for Charm City Cross presented by twenty20cycling. Speaking of YGD embrocation, samples of the first batch were just sent over to the Ed Sanders Lilypons promoters for prizes. It will be ready for public consumption soon but for now, you have to win it by riding fast.
We'll have to hone our skill about picking out getting dropped in cross races. BUT we did find a few great shots on Joe Mallis' photo site and have given some proper titles. These, are just the tip of the iceberg, we think. You cross racers are a wild bunch.
We call this one "The Stache"
The Irony
Proper Form
Reverse Blogging
Proper Form II
More to come later. Joe Mallis is a godsend.


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Letter-to-the-Editor: The Cost of Divestment
Editor's note: This article was initially published in The Daily Gazette, Swarthmore's online, daily newspaper founded in Fall 1996. As of Fall 2018, the DG has merged with The Phoenix. See the about page to read more about the DG.
Letter from members of Swarthmore Mountain Justice
A Note on Language
In the three years of our divestment campaign, we spent plenty of time learning investment jargon in the hope of persuading the Board's Investment Committee to divest. Not only did our jargon fail to convince the Board, but it often got in the way of us communicating effectively with the entire Swarthmore community. At this point, showing the Board that we can "talk the talk" will not convince them of anything. They already know the arguments for divestment, but choose instead to accept investment orthodoxy, the same thinking that has caused the ecological crisis of climate change, not to mention vast inequality and other suffering in the name of profit. They will only change course when students, professors, and alumni join together to demand an end to business as usual. That's why we're writing in language that can be understood beyond the Economics department. We define specialized terms whenever it is necessary to use them.
Structure of this Report
This is a formal response to Investment Committee Chair Christopher Niemczewski's projected cost of divestment, which appeared in The Daily Gazette on May 9 of this year.
There are many financial arguments explaining how Niemczewski's cost of divestment is inflated by faulty or incomplete assumptions. One example is NorthStar Asset Management's recent report, "The Cost of Fossil Fuel Divestment Has Been Greatly Exaggerated," which states that "Swarthmore College's rationale to not divest has been based upon inaccurate assumptions."
In the first section of this report, though, we do not question Niemczewski's assumptions. We think it's important to show that, even if his assumptions are correct, his projected "losses" occur in the context of continued prosperity for Swarthmore. "We Have More Than Enough" demonstrates that Swarthmore can divest, meet all budgetary needs, and still grow the endowment.
In second section, "The Carbon Bubble," we give a long-term analysis of the financial prospects of the fossil fuel industry, which opponents of divestment have neglected to do. We summarize why many climate scientists and financial analysts believe that divestment is a sound, and in fact visionary, investment choice.
We Have More Than Enough
We'll start with the basics: Swarthmore's endowment totals $1.5 billion and counting. This amount is called the "principal." The principal does not pay directly for any college expenses. Instead, the Investment Committee invests it in the stock market and the profits come back to us as "returns." Every year, some of the returns are spent on college expenses, to make up for what tuition and other fees don't cover. The rest of the returns are added to the principal for the next year, thus allowing the endowment to grow over time. Only in very down years does the college spend money from the principal.
A few numbers can tell the story from here. All of the figures are from Niemczewski's projections or Swarthmore's 2011-2012 financial report, the last available.
4.25%: Swarthmore aims to spend, on average, 4.25% of the total endowment amount each year. This is called the "target spending rate." The all-time high spending rate was 5.4% in 1983. Even during the 2008 financial crisis, spending didn't dramatically exceed the target.This spending rate has been sufficient for all college needs.
8.4%: This is Swarthmore's average annual return over the last 10 years.
What does this mean? Swarthmore's average return is nearly double the amount it spends. The extra money doesn't benefit current students. It is added to the endowment, so it can make more money next year, so they can add more money to the endowment, so it can make more money next year, so they can…you get the idea. If we didn't have this extra money, it wouldn't actually harm the operations of the school.
Here's a few more numbers:
5.8%: This is the average annual return of the S&P 500 Stock Index over the last 10 years. This is an "index fund" that tracks the performance of the U.S. stock market as a whole. Investors can make "passive investments" in index funds, called "passive" because, unlike "active" investments, managers do not pro-actively change the stocks.
7.2%: This is the average annual return of the MSCI All Country Excluding U.S. Index over the last 10 years. This is an index fund that tracks the international market.
0.0034%: This is the projected cost of full fossil fuel divestment from an index fund, according to a recent report by the Aperio Group. This is small enough as to be insignificant for our purposes. In other words, Swarthmore could invest in a fossil-fuel free version of either of these index funds without incurring a significant cost.
Remember, our spending target is only 4.25%. Both of these index funds are more than profitable enough to exceed the target.[1]
These numbers definitively show that Swarthmore can meet its endowment spending needs through fossil-fuel free index funds. This means financial aid, staff salaries, DJ fees and all the rest could continue as usual post-divestment
Now that we've dispelled that anxiety, let's finish by returning to one more number, the one that shook the Daily Gazette commentariat and prompted this response:
$200 million: Actually, it was $264.4 million. This is Christopher Niemczewski's projected cost of comprehensive divestment over ten years. To get this number, he assumes that we'll switch to divested index funds (so far, so good), and then calculates how much that would cost us in the next ten years, assuming that the alternative is a continuation of business as usual, which brings in 8.4% average annual returns.
Just for fun, we calculated what the endowment would be in 2022, if those 8.4% returns and 4.25% spending rate continue. We came up with $2.25 billion. That's the projected value of our endowment without divestment.
To get the projected value of our endowment with divestment, take $2.25 billion, subtract Niemczewski's $264.4 million cost of divestment, and you get…
$1.98 billion: That's our projected value of our endowment in ten years, even with full fossil fuel divestment. Even without funding climate change, mountaintop removal, and fracking, we can still pay the bills and grow the endowment by a cool $500 million. Sounds like a good deal to us. What do you think?
Of course, this is completely unacceptable if you agree with the Board of Managers' investment philosophy. Their philosophy is grow the endowment, as much as possible, always, even if it means cutting back from current students.[2] Only under this philosophy can $500 million in growth be framed as a "loss." It's time for us all to decide if this is a sensible model.
The Carbon Bubble
Interestingly, for a report on fossil fuel divestment, Niemczewski's report doesn't address the economic outlook of fossil fuel companies. A close look at climate science shows that the outlook is poor. More and more investors are waking up to this reality.
The Basics of Climate Change
We agree with the Board of Managers and administration that governmental action is needed to prevent runaway climate change. The world's governments have already committed, in theory, to limit temperature increase to 2° Celsius. Climate scientists believe that exceeding 2°C will trigger feedback cycles, leading to far higher temperatures. In this world, food production is likely to decrease by as much as 50% in tropical and subtropical climates, including the southern United States.[3] Extreme weather events on the magnitude of Hurricane Katrina, Sandy, or this summer's wildfires will become far more frequent. A study in the prestigious journal Nature estimated the total economic cost of climate change at $400 trillion. By comparison, the global economy is only $70 trillion each year.
We're not usually fans of the World Bank, but it released a sobering report this year. In referring to the event of a 4°C warmer world, which we will reach this century if business as usual continues, it writes, "Given that uncertainty remains about the full nature and scale of impacts, there is no certainty that adaptation to a 4°C world is possible. A 4°C world is likely to be one in which communities, cities and countries would experience severe disruptions, damage, and dislocation, with many of these risks spread unequally. It is likely that the poor will suffer most and the global community could become more fractured, and unequal than today. The projected 4°C warming simply must not be allowed to occur."
Betting On Climate Failure
Policy-makers are increasingly aware of the dire threat of climate change, whether from their own research or because of pressure from grassroots movements. This is why the world's governments have agreed to limit warming to 2°C. As they act on this commitment, fossil fuel companies and their investors will pay the price.
All fossil fuel extraction corporations own underground "reserves" of coal, oil, and/or gas that they plan to extract and sell in the future. A corporation's reserves are factored into its stock price. Carbon Tracker International (CTI) has calculated that, if the world's governments take action to prevent climate disaster, 80% of existing fossil fuel reserves will have to be left in the ground. This is very bad news for investors. HSBC, the largest bank in the world, backed up CTI's analysis and calculated that the entire fossil fuel sector could decline in value by 40-60% when governmental action finally occurs. In other words, fossil fuel companies are currently valued much more than they should be. When a whole industry is overvalued, it's called a "bubble." Remember the housing bubble? This is the "carbon bubble"–and smart investors need to get out of the way before it pops. Those who don't stand to lose a lot of money.
Mainstream investors are starting to take notice of the carbon bubble, as the HSBC report indicates. Another study found that 53% of fund managers divested or avoided at least one company last year because of concerns about climate change.Still, most investors, Swarthmore included, are exposed to the carbon bubble. We know from personal conversations that Niemczewski and the Investment Committee are aware of the carbon bubble risk, but they continue to invest anyway. We can think of two reasons why this may be the case.
First is the possibility that Swarthmore and other investors want to profit from the carbon bubble until the minute before it bursts. This is the logic that fuels financial bubbles and crashes–everybody thinks they'll get out at the right moment, but most of them are wrong. Just before the 2008 financial crisis, a Citibank executive famously said about his practice of making risky loans, "As long as the music is playing, you've got to get up and dance."Citibank got slammed in the ensuing crisis. If Swarthmore dances too long in this case, we will be hit even harder when governmental action on climate change finally comes. Even if you think it is moral to dance up to the edge of ecological disaster, are we good enough to get out in time?
Second is the possibility that Niemczewski and his colleagues don't believe the carbon bubble will ever pop. In the words of one divestment activist, they are "betting on climate failure" by expecting that governments will fail to act on climate change, and we'll blow past the safe limits. In this scenario, fossil fuel corporations remain profitable for a while longer, but beyond that all bets are off. Remember, the World Bank says that human adaptation may not be possible in this scenario–our civilization itself could fall apart. Needless to say, civilizational collapse poses a large threat to the existence of Swarthmore College.
It's Not Too Late To Come Around
There is a third possibility, which we see as most likely. We doubt that Christopher Niemczewski, Sue Welsh, Rebecca Chopp would have Swarthmore willingly profit from an industry that is threatening the entire global order. Even though we've talked to them about the carbon bubble and the climate crisis, it's likely they haven't fully internalized it.
As we slowly come to grips with the truth of climate change, as individuals and as a Swarthmore community, one essential fact will become clear: In order to preserve a stable future, we must build a mass movement to stop fossil fuel extraction in an incredibly short time-frame. We need vast changes in our communities, institutions, and governments to make the change needed. Through the visionary and financially sound tactic of divestment, Swarthmore can make a real change and encourage other individuals, institutions, and policymakers to do the same. Otherwise, we are truly betting on climate failure and unimaginable consequences.
[1] Assuming a long-term inflation rate of 2%, the Federal Reserve's target, inflation-adjusted endowment stability requires a 6.25% average return (4.25% for spending plus 2% for inflation). 50% reinvestment in domestic indexes and 50% in international indexes will yield 6.5% average return for divested funds, if trends hold.
[2] During the 2008 financial crisis, the Board made severe cuts to programs and services instead of exceed the usual endowment spending rate.
[3] Projected changes in agricultural productivity, Cline, W. R. 2007. Global Warming and Agriculture: Impact Estimates by Country. Washington D.C., USA: Peterson Institute.