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>> thank you, if you read the book you will need a french accent. this morning, you have the book and the french accent. as brian explained, the purpose of the book is to show, to demonstrate the economy is a science and free-market works. it is a science, quite a recent science. if we look back into history,
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extraordinary men had extraordinary intuition. re than two centuries ago, free-trade was gd. but it was more like intuition. what is quite recent in economics is a sign that most of all, arguments, certainly most of the arguments in this book are based on facts, facts that we can measure. we now work on data and build mathematical models, we confirm the mathematical model with economic reality, and w know the model iright or wrong, it is demonstrated wrong, we build a new model and so on. economics works since a recent period, when i started studying economics and even teaching economics it was a measure of opinion. people would think free-trade was good. other people would think free
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trade was bad. some would advocate inflation as a way to create growth, for example. so it was a matter of discussion until the late 70s, economies would compare the efficiency of the soviet model verses the capitalist model. some would argue the communist model was maurice efficient, more egalitarian, because we didn't have the data. when we started analyzing the data, economics stopped being a matter of opinion and became a scientific matter. when i say economics is a science and free-market works better, it is not because it is my opinion or because it is my choice, it is a fact. i would say most of the economy works within this framework. the rule of economics to to --
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today, is to define what is a good economic policy verses a bad economic policy. away to make the distinction. i argue that we are today in a position to make this distinction. we know what wks and we know wh doesn't work. of course, what works doesn't work perfectly because we are human beings and as human beings we have passion and we make irrational decisions, there are things weon't control. basically what we control, we know more or less how to define a good economic policy. what is a good economic policy? a good economic policy is a policy which brings people out of poverty, and if they a out of poverty which is the case in the united states or europe, a good economic policy is a policy which imoves opportunities for
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people, more opportunities and more freedom of choice. the criteria are very clear. what works? basically sixprinciples. i have no time to elaborate, six principles which seem very evident today and which were not that evident 30 or 40 years ago. the first principle, which most economists would agree, beyond free-market, the basis of growth is under and orship. without the entrepreneur, you have no growth. the rule of law, reasonable tax system and respect of property. destroy the basis of private property, you don't have a rule
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of law because it is unpredictable and you don't have entrepreneurship, you have no growth, as simple as that. this has been veryften described more as an intuition than by facts. we now have fact we can compare, we can compare countries where entrepreneurship has been destroyed in the name of communism. rule of law has been erased, private property has been destroyed, taxes have been too high conlan and as our consequence you have no growth. this principle which is tremely important is innovation. innovation is the only engine for growth. there is no other engine for growth. so you need to go a little bit further to try to understand the
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conditions for innovation. the united states are a pioneer in innovation because of the very specific conditions, which is basically the relationship betwn the university, the academics and the business of unity. this is quite unique in the world. if you look at fundamental research, fundamental science and other aces which are as good as the united states, europe and japan, there is no place where the connection between the business community and the economic community is as close, as narrow as it is here. the united states will be able to keep its connection, its relationship between the academic world and the business world, i think the united states will be the leader in terms of innovation. ma other countries, france, for example or south korea, are
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trying to build this kind of connection but it is quite complicated, it is rooted in history and the culture of these people. i read all the columns and books about the united states losing its edge in terms of innovation i see no risk there. as long as you keep what i just described. the third principle, and i want to elaborate, have a stable and predictable currency. this is absolutely evident today. it was not the case, i mentioned in my introduction, we do remember in the late 70s, the brazilian model was explained and shared by many economists all-around world, creating more money, through hyperinflation, you could bring faster growth. this was the common wisdom
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largely accepted, demonstrated was wrong and also experimentation demonstrated that it was wrong. economics, like any science, and two legs, the fundamental, abstract theory a also -- this has been the case as far a inflation is concerned. one of the most marketable moves in 30 years is most of the country's around the world, they have created independent central banks, and in most of the cases, the independent central banks have been able to guaranteed to the people that the currency would be stable. this is one of the reasons why many countries in africa which were mired into poverty started growing. real growth. the main explanation has been
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the monetary stability. befo monetary stability, people have no interest in investing in the future because ther was no future. since they had stable currency, these countries, all conditions remaining the same, these countries started to grow because they understood the principal number three. principal number four is free trade, in all economists without exception, i am talking about economists, not politicians, all econies do agree the free trade is essential and is positive. it has been demonstrated by theory and practice. the question is, why is it that noneconomists are against free-trade? it has to do with one of the characteristics of economics, it has to do with the fact that it is not a popular science.
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people do not like economists, people do not like economics and you understand why. economts work globally. we say free trade is good for you as a group, for you as a nation,ut if you happen to be a worker in an industry which disappearsecause of chinese competition, to hear that free trade is good for you is completely irrelevant. you have this contradiction in economics between discourse, which is a global discourse, free trade is good for you, and the individual perception of free trade which can harm singh individuals. this is why it is extremely important that the government, the national government or whatever, would take care of the negative consequences of free
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trade and other economic modernization, when they do impact individuals. but there will be discrepancies between the global benefits of economic growth and the individual perception. this does apply to principles no. 5, which is the destructive creation, to use the word of joseph peter, destructive creation, when an activity has become obsolete, irrelevant, it is to be closed, destroyed, in order to be reaced by something else. in principle, like free trade, it is extremely efficient. in planned economy, new factories were closed, this is why there was no growth in the soviet union. when you close a factory, simultaneoly, new factories or new activities will be created somewhere, but you don't know
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where. therefore, there will be no television coverage. it is like free trade, it creates a symmetry. this explains why for politicians, pundits, is easier, beyond the fact that sometimes they do not understand the principle of economics or they do not like it which is in st. what you don't understand, you don't like, it helps, if i may y so, that the negative aspects of growth are visible, and the positives are not as easily visible. economics and free market economics are not extremely popular. what is extremely interesting, i read about this, this came as a surprise f many people, even for economists, the big surprise since 20, 25 years, the free
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market and capitalism work everywhere, in any civilization. this is not well accepted. i will use an example. today, you have many arab or muslimountries which are still at civil war, not all of them, i am talking mostly about non oil-producing countries, many pundits saying they are poor because they are muslim, they don't have the right religion, islam is not expressing enough individual responsibility, everything is destiny, there is no reason to invest in the future, you just wait and see what will happen to you. these are common explanations for the poverty of the country like egypt, in the 50s you had the dominance of explanations saying the asian people, because they were confusion this, they
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were never able to grow because confucianism, there is no interest in the future and people keep repeating the same gesture. what happens today under mur own eyes, in less than 25 years, when you employ at the right economic policy which is exactly the same everywhere, do aly everywhere, very rapidly, i mentioned egypt is growing, china is growing, india is growing, india is an interesting case as well. win india became independent in 1490 -- 48, in 48, india chose the economic model which was extremely popular at that time, closed border state controlling the industry, you couldn't start
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a new business, even a small business without the state authorization, and this was supposed to bring india out of poverty. between 1991, was 1%. this was so predictable, so constant, so regular, that economists in india called that the into rate of growth, as if 1% was rted in the indian or hindu culture. in 1991, the finance minister decided to open the border to welcome foreign investments to a certain extent, to the license system, and india is growing 5%, 6%, 7% according to the year. i mentioned in the a because it is less known, what happened in china, i will not elaborate. one of the miracles which is not
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a miracle,ust an application of sound principle and good economic policy, shows that the cost share, religion, civilization is not a key factor, the key factor is the economic strategy which is good or bad. it goes into the direction of more free market or less free market and this makes the difference. if the system is so perfect and wonderful, why do we have crises? there should be no crisis. they are crisis, and quite often, quite wide. there are two reasons. the firsts a fundamental reason, capitalism, free market and growth in cycles by definition, why can't we avoid the cycle? it has to do with innovation. growth is connected as i said before, based on innovation, but you can't know in advance whether the innovation, we were
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we not work, sometimes innovation doesn't work. whether innovation doesn't work, it brings negative consequences. the cycle of the economy is connected with the technical cycle and cycle of innovation. if you don't have innovation you have no growth and if you have innovation, you take risks. as a french economist likes to say, the market is a dangerous place to be. so the market is efficient, but the market is dangerous by definition. among all the markets, the financial market is the most special place to be. it is the most unpredictable of the markets, there's a lot of innovation going on in the financial market, securitization has beenne of the most remarkable innovations in the financial market, not recently, it started centuries ago, it becomes more sophisticated. when you have innovation you have danger. when you have danger you have
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risk. in the socialist economy or hindu economy there were no cycles. you could be sure it was 1% year. that would never reach 6%, 7% a year. now there are 7% the year, it is a cycle and they already have. therefore, i don't think you can eliminate cycles. what you can do is to help individual people to confront the harness of the cycle. people lose their jobs, people in factories are closed and so on because of the cycle and because of the crisis. what is to be done is for a responsible government to take into consideration the hardship which is supported by the people which as a consequence of the crisis, have a growing economy without any cycles is
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impossible. . the second explanation, the short-term explanation, how do you explain apecific crisis, not cycles in general but specific crises. it is not that easy. there is a lot of date around the 1930 crisis, t 1970s crisis, but my position, many market share this position. the present crisis and former crisis, the monetary policy. is very probably the excess of money available in the market which has brought speculation and the crisis after the bubble. the economic history, we have a lot of those which have always
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been the consequence excess of planetary creation the problem with the bubble is they are difficult to predict and when you are in a bubble it is hard to get out of a bubble. you don't know how long you make a lot of money. , you regret having left. others are still making money. the bubbles have been described in mathematical model and, i described at length my model, the brazilian economist teaching at princeton show how bubble works. you know you are in a bubble not by looking at crisis but the number of transactions. when the number of transaion, cox at that stage, we can't
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predict how long the bubble will go on and when to get out of the bubble, we can't because financial markets follow the rules, we wrote a gain of wil randomness. financial markets are widely random. they cnot be otherwise, they would not be markets anymore because everyone would make money on the market. they are random by definition. at that stage of our economic knowledge we cannot do more. many people would say many criticisms say why do we need economists if we don't know how to make predictions. we don't make predictions. we can predict what is bad for you. we are like primitive medical doctors who tell you if you
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smoke and you drink, probably you have concerns in your life. economists would say if you close your borders like you did in the 1930s, if you print a lot of money, probably a won't be very well off afterwards, the situation will be worse. and indian economist when consulted on the best for developing countries, if i were you i wouldn't start from here. we know where not to start from. we know what is to be avoided. to talk about the situation in europe, stimulus doesn't work we know that because it has been done before. maybe this time it will work because we cannot make predictions. i cannot predict the present stimulus will work or will not work because what we can say is
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stimulus never works. i won't get into detail, we can demonstrate why it doesn't work. we can demonstrate new theory but we can demonstrate also as a practical matter because it has been tried many times, there is no case study to show public stimulus works, it usually does not. i wanted to say something today, stimulus is omoted, regulation is promoted. fell on stimulus i am very clear. on the regulation -- regulation is usually eless. regulation is usually useless, it is usually good, it has been
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demonstrated. the regulation would be useful. it certainly would be useful for the regulators because of a lot of regulation--a lot of regulation is justified, if i may say so, by the political desire of bureaucrats and politicians to increase their own domain, their own power, we are all rational to a certain extent that bureaucrats are rational as well. so you have to understand that bureaucrats will explain the origin of the crisis, even if is is not the case, because i still don't see the connection between regulation and the current crisis. i say that some kind of regulation can be useful if we increase transparency. my position is to say regulation would allow iividuals to be
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better aware of what they buy and would increase individual freedom, individual choice. i speak in your name, the regulators would use the arguments of transparency to build more useless regulation. economics is always about fine-tuning and trade off, and finally we repeat the strain -- sorry, i try never to repeat myself. you needn't listen to me yesterday night, maybe you didn't read my latest paper in the journal, but i really love the discussion with the liberal economist at cornell university because you have this big debate about health care in the united states, many liberal economists in the united states look at the french system and they love it,
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bob frank explained to me, i love the french system, would like to have the same in the united states, he goes to france every summer and when he has a medical problem, he goes to a french doctor, he can freely choose a doctor and it is extremelcheap, they are happily surprised. they love the high-speed train. we want that in the united states. frank says you can't blame me for wanting the same as you have and i said bob, i pay for the high-speed train and the taxpayer and i pay as a taxpayer for access to a free medical doctor when you are on vacation. you have half of your income to pay for the welfare system and also people who pay the mostre
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unemployed people. the cost is so high that it does prevent employment of a lot of young, unqualified people so it is always a trade-off. you can't have a perfect world with everything, you have to choose. the responsibility of the economist is to give the data, to give the figures, you can have a health care system like in france, but on a permanent basis, in good years between 10%, and 12% unemployment with what you have any united states. when we have 10% unemployment we are extremely happy, %, 40% of people, less than 25 are unemployed, but we have a
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high-speed train. we have this wonderful medical doctor. fundamentally, economics -- i am not a radical, i am sure some people see me as a -- the view that milton friedman had of me, i think economics, you need clear principles, you need t know the facts, you need to work on data, but it is all about fine-tuning the trade off, and the discussion, let the people decide through the democratic process. thank you. [applause] you have some questions? >> we have time for questions. there is a microphone going around. this is being taped so please use the microphone and intify
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yourself and tell us where you are coming from so the viewing audience knows who is asking the questions. i will take the privile of asking the first question which is did we learn anything fundamental about economics from this crisis? orill we as we sort it out? was allf this already taken into account by the present state of knowledge, circa 200 in the science of economics? >> it is a bit early to answer, but i think we haven't learned a lot. when you talk with the academics, do they change the curriculum, for example, it would be in to say something is new in this crisis, it
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confirms certain knowledge that we had and people who share the view that the loose monetary policy, this has been confirmed by the crisis. i wouldn't say that there is a revolution in the knowledge of economics and the crisis at least so far. even if you read columnists, very liberal columnists, they are not bringing in new ideas. they want more of the same or less of the same but basically we are still working within the same framework. the debate about this is the end of capitalism, this is completely irrelevant, there are no new elements in this crisis. that is the present situation.
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[talking over each other] >> my name is daniel, i worked in the hedge fund business. my question is about the form of regulation you have described to about regulators' increasing transparency. i wanted to know if you could comment on theecision about ten years ago by alan greenspan and larry summers to prevent or forestall the push by some regulators to have derivatives trade through market exchange, they stood very firmly that banks were the best custodians of their self-interest and they could handle them. do you think that was a mistake? what would you recommend in the future? >> don't think it was a mistake. i don't think it was a mistake. it was very helpful to promote innovation in these fields.
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there is a misunderstanding when you look at the crisis, between the consequence and the cause. once again, the real cause is the monetary creation, loose monetary policy. what has been done with the excess of monetary creation is ly a consequence. there is -- the relationship is reversed. it is the same debate about greed. when people say the bankers have been greedy, this is a completely irrelevant argument. everyone is greedy. if you have no greed in the economy, you have no innovation. it is an ideological prediction, moralistic posturing, this has nothing to do with economics.
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it is a very old tradition, a long time ago, extremely helpful, i hope it will continue and regulation will not stifle innovation in the financial sector. many observers, it is too bad, the financial sector -- they have not been listened to, the possibilities make a bundle of money. not by the lack of regulation but the quantity of money. looking at the consequence, this has been deregulated, this is
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only afterward. the final observation, when you regulate, the regulators will always be late, financial innovation, you cannot regulate what doesn't exist. when y regulate, you regulate what exists. because of lessons of the past we have some kind of regulation based onhat just happened but what just happened will not repeat itself because in the coming years, you have new financial innovation, the regulation becomes obsolete on the very day. it wil always be late. we are always running behind the market. if we had bter regulators, i don't know how to find them, the regulators are not the best
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people to become regulators. regulators and regulation will always be behind innovation except for the size of innovation. did i answer your question. [inaudible] >> you don't have regulators telling people what to produce, we just have a counter is of the party risk and transparency through the market. to me, it seemed the market mechanisms of the market problem. >> i do agree. >> also, my name is steve hoffman of mediation services. on the question of regulation, prior to the year 2000, virtually all of the states regulated insurance with two key factors, one is if you write insurance and take in premiums, you ha to set aside a certain percentage of the premiums you take in in reserves because
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theoretically and in reality, people are buying insurance to protect themselves against loss, and therefore you can't treat all opinions as 100% profits. and you had to have an insurable interest, act i can't buy fire insurance on your house or life insurance on your life because i don't have -- in the year 2000, congress, obviously urging the financial community, deregulated, they trump all those laws with a federal statute that said y can write credit default swaps which is insurance. we are going to preempt all the states from regulating it and requing reserves. and we are also going to ensure that all the states have -- in stead of if you loans and debt, if goldman sachs has the debt of
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some entity and they are worried they will default, they buy insurance, they know their rks very well, they are not stupid, they knowt is not risk of loss and yetig who is writing all this stuff, basilly assumes there is a zero risk of loss because bernie madoff instructed aaa rating agencies, said there is no risk involved because they gave it a aaa rating. even in the absence of getting rid of the regulation that made sense, that really is very much behind the crisis we are in. >> i will answer you in my next book which is to be published wednesday. >> november. >> i don't want to interfere with her on the subject chinos
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best. >> i am steven with national review. my question is, did your book's first line, economics is a science, you surveyed the current state of the field. as you just said, science is about making predictions from observations in the past, we have seen stimulus doesn't work and yet the number of high-profile economists, certain columnist for the new york times persist in their belief that solutions are the best way to address cyclical downturn. what is the scientific equivalent of this disagreement within the field of economics? something more radical than that? >> usually -- because they don't
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really follow what chae is recommended at this time. taking cycle into consideration, in order to save capitalism, in good years, as a budget surplus, keep the money, and in bad years, you should spend the money. what you were suggesting was countercyclical budgets. no country has ever followed ese recommendations. the only person i know who rently came out with this recommendation has been the german chancellor. she said that in the future we should follow, have surplus in good years. so this is a little bit different because there is no
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public savings, they just advocate up your deficit. this was not part of the canadian agenda. in the short term, public stimulus may work. it does happen that it can have -- can create some kind of jobs in the short term, but not for very long because the kind of investment where the state goes is investment which creates jobs but which doesn't create wealth. they are not real investmes with return on these investments, as a consequence, we know that sooner or later the stimulus is stayed by inflation. this would slow down the
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recovery. as you say, it is mostly columnists who are recommending this kind of public stimulus, where politicians. i don't see many economists right now suggesting this kind of policy. node name comes to my mind, actually. if i may add, if i may add, what would a political leader recommend job creation through public spending? because of his own market and running for reelection, he must demand this acting, and you are not reelected by not acting, and also because he hopes he will have a short-term return because the elections are always short
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term. this is normal behavior in all democracies, and this is why economists are playing their own role to say maybe it can work in the short term as a consequence which is negative in the long term. other people running for office may follow their own rationale. >> i am with commentary magazine. you quoted mandel broke twice approvingly abourandomness, yet in the begiing of your speech you said economics grounding is a science, has been solidified by the ability of data and the application of mathematical, physical models which i would think mandelbrot withholding contention. in addition to helping
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economists verify their checks agnst reality, the reliance, overreliance on mathematical models is a blind spot, in the circles of at economics and fails to take into account the unpredictability of financial and economic cycles, do you think it frumps common-sense, healthy account of human nature? >> three questions, try to make a distinction, why randomness, what he says and tries to show, in nature you don't juggle
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randomness, he admires randomness. physical events can be predicted to a certain extent. he has built a mathematical model on the fractal model whi shows that many chaotic events like noise to follow a mathematical pattern and can therefore be predicted and the consequence is extremely important in telecommunication. some mathematical model applies to nature and physical events. it is not that chaotic. he tried, many others tried to transfer his model to the financial market. when looking at the data, we have data in the nineteenth
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century, starting in new york's, which is available, it appears that no pattern ever appeared. it is completely random. and any mathematical model which tried to introduce a prediction in the evolution of the crisis in thearket, all these models have been proven wrong, including many models which have been used in recent years,t least not to use money. these models were an attempt to predict the evolution, the conclusion is to say at that spage, we have no mathematical tool to predict the financial market, randomness is mild, physical nature, in the
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financial world, randomness is complete. many mathematical models come to your mind. the recent stock exchange crisis, proved to be extremely precise. the second question, the relevance of mathematical models him general, taking into account human nature and common sense. for the purpose of the mathematical model, it is very limited. sin number of permits in ecomics which tend to repeat themselves. there is a mathematical relation
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between money, creation, there is a mathematical relationship between the level of wages and unemployment. there is a mathematical relation between the level of your education, college premium, and your chances to be employed. this is built into mathematical models, these models have two virtues. they introduce a certain amount of predictability. you have that type of consequence. if people go longer to college state have a strong assistance to find a job. the second reason mathematical models are used is because it is
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universal language. you speak mathematics, you are not taking the same language. this is the rationale for mathematical models but mathematical models only represent part of the reality. and they used the wrong. the progress of science requires the model to be distracted and destroyed. i have seen, the wayconomics is taught in the united states, there is an abuse of mathematics and an abuse of mode. many students in the united stat this that economics is only about mathematical dels and this is absolutely wrong. the mathematical model is only one of t instruments that can be used to understand what is
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going around and make a prediction in certain cases, there is a lack of common sense, this answers your question, what will change. i am very worried by the fact that mathematics is a requirement and also that the history of economic ideas is not talk any more. in american universities. this is a big loss. it reduces the scope of students in the economic departments. >> i am an investment adviser. i was intrigued by your definition, your yardstick for this assessment of the economic system, the extent to which it brings people out of poverty. maybe this is not an economic question b a political question. what do you think of the
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hypothesis that as a society prospers, political leaders have less and less direct experience of poverty, they also have less and less appreciation f the power of markets and capitalism to lift people out of poverty? >> the scope, the domain of economics is a limited domain. economists -- if you want hot water, you had better choose a good plumber. to governments you want growth, we can show you the way to an extent of. economics is basically about growth. the question is, is growth a
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relevant criteria. many attempts have been done by some economists like the calcutta ecommerce, the you and don't like capitalism, other instruments to measure that happiness of the people and trying to understand happiness was different for a cut from economic growth. people tend to be more happy in a growing economy. a growing economy brings more opportunities and more freedom of choice globally. globally. there is another debate, which is the relationship between growth f social justice, the case of countries where growth
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is creating new inequality which in the case of china, there is no connection between growth and social injustice. in most cas, growth does bring more social justice. doesn't bring necesrily more democracy, which is another complicated question. the relationship between growth and political freedom in is not a clear connection. many feared that i can't focus on one aspect of your question, i am sorry for that. 5 -- >> perhaps the final question? >> you talk about china and india, chose to focus on india. i wonder your thoughts on china, china is obviously running attention between control and a
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free market. how does it stack up on your check list, how does it make you think about the future of their growth. >> if i may quote myself, my former book was a book on china. the title of the book, the empire of lies to summarize my argument, very shortly, the factors in china, chosen to be a stng country. in is not the same. in a nondemocratic country, you decide to concentrate on the investment, the narrow part of the country, narrow part of the population, and make a distinction, what the chinese
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leader's call useful china and useless china. useful china is basically the eastern part of china, the part of china which is profitable because it is in permanent relationship with the rest of the world, globalized china. this globalized china is using the work force of the peasants, not using the work fce of the peasants at all, which means approximately 60% of the chinese people are completely left out of the process. this sounds like a strategic choice. there are two- at least two risk factors for china, even. when you live out 60% of the people even in a perceived regime, you don't know what will happen in the long term. we can see that these days. there is a huge risk factor
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because of this imbalance in china which is not the cas in other developing countries like brazil or india, where because of democracy, governments try to incorporate the larger number of people, a huge risk factor connected to the social division. second weakness of china is a complete lack of innovation. china basically is an economy, subcontracting economy, if you have an ipod or cellphone in your pocket, you can verify right now, in china, in fact, the added value by the chinese for and ipod is 5%. if your shirt is made in china, probably 80%.
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for most of china, the participation of china is no more than 5% because it isot an innovative e economy. you cannot quote one chinese innovation. much is done and spoken about th huge new chinese university. i have taught in some of these universities, the quality is not very high. the best students usually leave the country. the leaders are despised by india. india has emerged in the software basis. they try to understand, indian software and chinese software. they come back from india and discovered there may be a
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connection between freedom of speech and innovation. but so far they prefer no innovation and freedom of speech. the regime is not very helpful as far as innovation is concerned. the only gains were big equipments built by companies and engineers and foreign architects because the chinese government didn't trust the quality of its own architect and engineer. and third, the risk with the chinese government is discovering how much they depend on the global market and the growth rate of the u.s. economy. and when the u.s. consumer stopped buying chinese products at walmart, the very next day, factories are closed in china and people are losing their job.
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they're doing very well, 40% of the nation. 40% because you have a trickle-down effect an 60% are completely out of the loop. the system is very unpredictable and dangerous. if you want to make money fast, you go to china. if you want to make money for long you go to india but you need patience but it is less risky. [applause] >> guy sorman was an economic adviser to the prime minister of france from 1995 to 1997. he taught economics at the paris institute of political science from 1970 to 2,000. he is author of 20 books including the empire of lies and the conservative revolution in america. for more information, visit man
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hadn't-institute.org. >> in 1959, soviet premier nikita khrushchev to the two week tour of the u.s.. peter carlson recount that trip with his son on afterwards, part of book tv weekend. >> the publisher and editor of the nation magazine and frequent contributor to ms nbc, cnn and pbs participate in a discussion on a downturn in the financial system based on the nation's coverage of economic events for 20 years. and the author of nickel and dime, and christopher hayes, washington editor for the nation magazine. the event, hosted by the new york society for ethical culture center in new york city, is 1 hour and a half. [applause] >> good in
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Best Stuff to Do in Broward and Palm Beach February 28 to March 6
Miami's Locust Project visits the Norton and you can tour with them. |
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New York has traditionally been the hub of finance while Silicon Valley has the tech industry covered, but the tide of money is turning, and in fintech — the intersection of those two fields — New York is coming out on top.
Fintech, short for financial technology, is an industry based on using technology to make financial services more efficient.
According to a report published Thursday by Accenture Strategy and the Partnership Fund for New York City, New York tops Silicon Valley in fintech venture financing for the first time.
In Q1 2016, $690 million in fintech venture capital funding flowed into New York, while $511 million went to Silicon Valley.
Fintech investment in New York during 2015 nearly tripled from 2014, to $2.3 billion, accounting for nearly 10% of all fintech investment globally.
The top fintech accelerators in the US are based in New York, including Barclays Rise and the Fintech Innovation Lab, the latter of which held its demo day on Thursday. The Fintech Innovation Lab introduces selected startups in its program to 29 financial institutions that mentor the companies for 12 weeks. During this time, startups often adapt their models to solve common problems facing all financial institutions.
Technologies like blockchain, cloud computing, and alternative data analytics have the potential to revolutionize the financial services industry, but regulation and challenges to scale make it tough for startups to go at it alone. This has caused investment in the sector to shift from companies that compete with deep-pocketed traditional financial institutions to those that partner with them.
The chart below shows that in New York in 2010, 37% of fintech funding went to ventures that collaborated with financial institutions; that has increased to 83% in 2015.
Accenture, Partnership Fund Analysis of CB Insights Data
According to the report, banks are learning to work more closely with startups and transforming into companies that can seamlessly adopt new fintech and innovation solutions.
Robert Gach, managing director of capital markets at Accenture Strategy and a coauthor of the report, said he believes the shift from competition to collaboration will continue, and it has the potential to fundamentally change the banking ecosystem.
"It's when these technologies are no longer solving one problem at a time, but being put together and building upon each other that fintech will go the final mile," said Gach.
Learn more:
- Credit Card Industry and Market
- Mobile Payment Technologies
- Mobile Payments Industry
- Mobile Payment Market, Trends and Adoption
- Credit Card Processing Industry
- List of Credit Card Processing Companies
- List of Credit Card Processing Networks
- List of Payment Gateway Providers
- M-Commerce: Mobile Shopping Trends
- E-Commerce Payment Technologies and Trends


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- BLHeli_S ESC with Hardware generated PWM synchronous to MCU yields ultra-quiet motor performance.
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Topic: Mac OS X
Malware-infected Transmission 2.9 app threatened OS X users, stopped by XProtect
03/06/2016, 06:03 pm
Users who downloaded the Transmission BitTorrent client on Friday or Saturday are being warned to update to the latest 2.92 version to avoid being targeted by a ransomware that infiltrated an earlier version of the open source software.
Fifth beta of OS X 10.11.4 update launches for public and developers
03/01/2016, 01:03 pm
Apple on Tuesday issued a fifth beta of the upcoming OS X 10.11.4 update, seeding separate versions for public testers and developers.
Macs will be able to stream PS4 games over Wi-Fi 'soon,' Sony says
03/01/2016, 10:03 am
PlayStation 4 owners will soon be able to stream their games to a Mac or Windows PC via the console's Remote Play feature, Sony announced on Tuesday.
Apple breaks Mac Ethernet port with security update, issues fix
02/28/2016, 09:02 pm
In response to customer complaints regarding a recent kernel extension update that rendered the Ethernet port on iMac, MacBook Pro and Mac mini computers inoperable, Apple on Sunday issued a fix in revised software and step-by-step installation guide.
Apple's Photos apps for iOS 10 & OS X 10.12 to restore iPhoto editing features - report
02/25/2016, 01:02 pm
Apple is said to be planning big changes in its Photos applications for both iOS 10 and OS X 10.12, more closely aligning the capabilities of the iPhone and Mac apps, and also restoring some absent functionality that was previously found in iPhoto.
Users of Microsoft's 'free' Windows 10 find unexpected ads on lock screen
02/24/2016, 02:02 pm
Microsoft recently began running advertisements directly on the lock screens of Windows 10 devices, catching users by surprise with marketing on their PCs and tablets.
Rumor: Apple will finally bring Siri to Mac with this year's OS X 10.12
02/24/2016, 10:02 am
Having debuted on the Apple Watch and Apple TV last year, Siri will finally make its way to Apple's Mac OS X operating system with a new update this fall, according to a new report.
Some developers caught unprepared for Apple WWDR certificate update
02/15/2016, 12:02 pm
Despite advance warning from Apple, some developers were taken by surprise after the company's previous Worldwide Developer Relations (WWDR) Intermediate Certificate expired on Sunday, preventing approval for apps and services.
Third OS X 10.11.4 beta fixes bug with shortened Twitter links in Safari
02/11/2016, 12:02 pm
The third OS X 10.11.4 beta solves issues Safari would encounter trying to load shortened Twitter links, according to a developer in contact with Apple.
Google to ban Adobe Flash-based display ads, go 100% HTML5
02/10/2016, 08:02 am
Google's massive AdWords network will no longer accept new display ads made in Adobe Flash as of June 30, the search giant announced this week, as it works to phase out the much maligned Internet plugin.
Sparkle software updater leaves 'huge' number of Mac apps open to attack
02/09/2016, 05:02 pm
A "huge" number of third-party Mac apps are under threat of man-in-the-middle attacks due to a recently discovered vulnerability in Sparkle, an open source framework used to facilitate software updates.
Apple's Notes for Mac to support Evernote file imports in OS X 10.11.4
02/08/2016, 08:02 pm
Apple's Notes app, included as part of the upcoming OS X 10.11.4 El Capitan software update, has been confirmed to support Evernote .enex file format imports in what could be a move to convert users to the iCloud native format.
Apple open-sources Swift benchmarking suite
02/08/2016, 05:02 pm
Apple on Monday took its Swift benchmark suite open source, providing developers access to a wide-ranging set of tools designed to track project performance and catch bugs in code written in the company's fledgling programming language.
Apple seeds third developer beta of OS X 10.11.4
02/08/2016, 01:02 pm
Apple on Monday issued a third developer beta of its upcoming OS X 10.11.4 update, roughly two weeks after the release of the second.
How to watch Super Bowl 50 on your Mac, iPhone, iPad, or Apple TV
02/06/2016, 04:02 pm
It's Super Bowl weekend, and for cord cutters that usually means a visit to a bar or friend's house -- but not this year, as NFL broadcast partner CBS has made the game available almost everywhere you look.
Apple adds server-to-server web service requests to CloudKit
02/06/2016, 01:02 am
Apple's CloudKit framework for automating apps' storage and retrieval of user data "in the cloud" has learned a new trick. Developers can now read and write data in their app's public database from a server-side process or script.
Apple updates Final Cut Pro X, Compressor and Motion with new features
02/04/2016, 08:02 pm
Apple on Thursday rolled out a trio of updates for its pro-level video editing suite, bumping versions of Final Cut Pro X, Compressor and Motion with feature additions and numerous bug fixes.
Public beta testers get Apple's second build of OS X 10.11.4
01/27/2016, 01:01 pm
The second pre-release beta of OS X 10.11.4, a forthcoming minor update for the El Capitan Mac operating system, is now available to test for members of Apple's public beta program.
Apple seeds OS X 10.11.4 to developers with minor bug fixes
01/25/2016, 04:01 pm
Apple on Monday issued a second beta version of its upcoming OS X 10.11.4 software update to developers, continuing a two-week release pattern established earlier in January.
Apple updates Logic Pro X, MainStage 3 pro apps with new features and enhancements
01/20/2016, 08:01 pm
Following Apple's consumer oriented music app updates on Wednesday, the company pushed out new versions of its professional audio software Logic Pro X and Mainstage 3, each bringing numerous feature additions and performance improvements.


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Check out some of the biggest names in MMA @ Tuff-N-Uff! You'll see Frank Mir, Randy Couture, Jay Heiron, Martin Kampmann, John Allesio, Gray Maynard, Juni Browning, Phil Baroni, Hitman Dan and Punk watch video >>
Wanderlei Silva talks about his fight against Rich Franklin and about Tuff-N-Uff "Future Stars of MMA". Wanderlie also talks a little about the possibility of fighting Damien Maia or Anderson Silv watch video >>
Wanderlei Silva talks about his experience at the Tuff-N-Uff "Future Stars of MMA" show at the Orleans hotel and casino in Las Vegas. We were so nervous to interview him because we are such big watch video >>
Josh Neer recently fought one of his Twitter haters. Was it wrong? Daniel Cormier and Kenny Florian sound off. watch video >>
Tuff-N-Uff: The Future Stars of MMA Throwback Thursday featuring Aspen Ladd and Jamie Moyle of Invicta Fighting Championships. Invicta FC goes down February 27, 2015! watch video >>
UFC women's bantamweight Cat Zingano talks about her son and how he is the biggest inspiration in her life. watch video >>
Some of the biggest names in women's MMA and other stars from around the UFC meet with the media before taking the Octagon on Saturday at UFC 184. watch video >>
March 14th, 2015 it's going down at Mayhem in Mesquite VI in Mesquite, NV. 135 lbs bout between Kaytlin Neil out of The Pit Elevated (3-1) and Breita "Tank Girl" Carpenter (4-1) from MMA Gold Fight watch video >>
Feature a few fighters on the card this Saturday, March 14, 2015! Out of Xtreme Couture, Milorad Nelica and Juancamilo Ronderos and out of PHD Athletics, Ajai Smith! Go to tuffnuff.com to see the watch video >>
Immediately following the Mayhem in Mesquite VI weigh ins, we are having a ring girl competition! Watch the live PPV stream http://festifi.cleeng.com/mayhem-in-mesquite-ring-girl-competition-ppv/E6 watch video >>


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Here's the 1 page with the tag ebola outbreak in west africa
Tags used on this website
These tags (or keywords) are used to categorise content. Click a tag to see all pages which use that category.
Home > Ebola Outbreak In West Africa
Here's the 1 page with the tag ebola outbreak in west africa
An epidemic of the Ebola virus continues unabated in West African countries of Guinea, Liberia and Sierra Leone. According...... Read more
Amref Health Africa is a transparent organisation distributing funds of up to $85 million per year.
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Amref Health Africa Headquarters,
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"It's a mistake to think that poor people get the benefit from the welfare system. It's a total fraud. Most welfare go to the rich of this country: the military-industrial complex, the bankers, the foreign dictators.... This idea that the government has services or goods that they can pass on is a complete farce. Governments have nothing. They can't create anything, they never have. All they can do is steal from one group and give it to another...." ~ Ron Paul
Half-Million Iraqis Died in the War, New Study Says
Before the (second) war in Iraq began in 2003, the Pentagon estimated it would cost about $50 billion and, as far as expected casualties went, it didn't seem there would be very many. Heck, the locals would welcome us with open arms and after we eliminated Saddam and his scary Weapons of Mass Destruction, everyone would be free and happy.
Well, not so much. As far as money goes, the bill grew to several trillion dollars, counting long-term care for wounded vets, replacement of destroyed weapons and other gear, and other on-going costs. But the biggest cost is in human lives, and the 4,804 US and other coalition casualties is the least of this: roughly half a million Iraqis died from violence and other effects of the war between 2003 and 2011, according to a survey published in PLOS Medicine and featured in a National Geographic article yesterday.
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- Glen Allport's blog
I wonder if people are numb, know govt is insane, or just do not care, or are they not seeing this?
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Re: Brightcove HTML embed on an https site causes Chrome warnings
Chrisbrenschmidt Jun 8, 2012 12:11 PM (in response to shanerogers)We get the warning in IE. I thought it was a result of how security settings for the browser are set up.
Re: Brightcove HTML embed on an https site causes Chrome warnings
shanerogers Jun 11, 2012 8:41 PM (in response to shanerogers)The reply from Brightcove support was that the javascript embed is needed to get rid of the security warnings. Which I'm not able to use within a Jive document or discussion.
The only way to avoid this is to embed the Javascript embed code securely as well.
We outline what you need to do on this article:


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This piece may be shown differently in our showroom than as pictured on website. Select items have different fabric choices available, price may vary depending on fabric chosen. Pricing is "as displayed" in our showroom. Please contact us for more information on this piece.
This manufacturer offers infinite-position power recline on most models of recliner. Customized motion means that you can find the position that best suits you, whether you need to soothe back pain or relax and watch TV. This gentle motion is suitable for all levels of mobility, and is as easy to use as a single touch.
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Unlike recliners that are built with a two- or three-piece seat and leg rest cushion, this recliner has a single chaise cushion that extends from the seat to the feet. This style offers a fuller comfort and support for your legs, as well as eliminating the open gap that toddlers can get fingers or toys stuck in.
Enhance your home with relaxing comfort and a contemporary style by adding this reclining sofa. Divided back cushions and chaise style footrests are surrounded by stylish faux leather upholstery fabric. Thick pillow arms add to the cozy silhouette. Effortlessly adjust the seats with a power reclining button to completely relax and unwind.
The Rotation - Smoke Contemporary Power Reclining Power Sofa with Chaise Style Leg Rests and Pillow Arms by Signature Design by Ashley at Becker Furniture World in the Twin Cities, Minneapolis, St. Paul, Minnesota area. Product availability may vary. Contact us for the most current availability on this product.
Thick padded arms and uniquely divided back cushions enhances any living room with both relaxing comfort and a contemporary style. Pieces are covered with a faux leather upholstery fabric that is beautifully adorned with decorative stitched detailing. Available with either power or manual reclining mechanisms you will surely find something to fit your preferences.
The Rotation - Smoke collection is a great option if you are looking for Transitional furniture in the Twin Cities, Minneapolis, St. Paul, Minnesota area.
These images are representative of this group as a whole and may differ from this item.
Browse other items in the Rotation - Smoke collection from Becker Furniture World in the Twin Cities, Minneapolis, St. Paul, Minnesota area.
This item has been tagged as: Sectional with Recliner, Recliner Sectional, Reclining Sectional, Seating, Couches, Couch, Sofa, Reclining Home Theater Furniture, Living Room Furniture, Accent Furniture, Reclining Love Seat, Loveseat Recliner, Reclining Couch, Reclining Sofa, Couch with Recliner, Sofa with Recliner, Motion Furniture, Moving Furniture, Living Room Furniture, Family Room Furniture, Great Room Furniture, Den Furniture, Home Furnishing
Nothing on this page may be copied or reproduced without explicit permission.


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Redirecting you to Developer Center... Click here if you are not automatically redirected.
A growing community of makers is determined to change the way that they interact with their homes. From automating every day tasks like watering plants and feeding pets to improving security by monitoring home cameras and door locks from anywhere in the world, the possibilities are endless. With this in mind, the Microsoft Internet of Things Maker Team has released a host of open-source libraries and APIs that, combined with the power of Windows 10 IoT Core, will allow you to quickly and easily hack your home to start working for you.
Security camera project using Windows 10 IoT Core. A PiR Motion Sensor detects movement, and triggers the camera accordingly, automatically uploading the photos to OneDrive. Utilizes the USB Camera, OneDrive Connector and Motion Sensor components.
An internet connected clock radio device with a Pi-powered LCD screen to display what's currently playing. Utilizes the TextDisplay and Universal Media Engine components.
This project demonstrates how to leverage the power of Windows 10 IoT Core, and create a weather station using the Sparkfun weather shield. Utilizes the SparkFun Weather Shield component.
Legend: RPi2 = Raspberry Pi 2, RPi3 = Raspberry Pi 3, MBM = MinnowBoard MAX, 410c = DragonBoard 410c


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Published byKayla McHugh Modified over 2 years ago
Skin Pre-Cancerand Cancer Dr. Mary Cuthbert GPSI Dermatology
Sun, sea and sand….
Theres no such thing as a healthy tan
The effects of UV exposure -ageing of skin
-skin cancer
This presentation will cover : Actinic keratosis Bowens disease Basal cell carcinoma Squamous cell carcinoma Malignant melanoma NICE guidance on skin cancer prevention
Actinic keratosis Rough,scaly spots on sun-damaged skin Represent abnormal skin development due to exposure to UV radiation Should be considered potentially precancerous(>10 AKs = 10-15% risk SCC) Common on exposed sites eg backs of hands,face,scalp and ears of bald men
Actinic keratosis
Actinic keratosis-treatment Diclofenac gel (Solaraze) CryotherapyCurettage/Excision 5-Fluorouracil cream (Efudix) Imiquimod 5% cream (Aldara) Photodynamic therapy (not available in Bradford)
Bowens disease Bowens disease is intraepidermal squamous cell carcinoma It is effectively carcinoma-in situ It may progress into squamous cell carcinoma (approximately 5%) Because of this, it is very important to treat it effectively
Bowens disease Presents as a pink or red,irregular scaly patch Usually develops in a sun –exposed area of skin Common sites include hands and face in both sexes, scalp in men, lower legs in women Diagnosis should be confirmed by biopsy
Bowens disease
Bowens disease-causes: UV radiation causes mutation in genes controlling skin cell growth UV radiation suppresses immune response in skin Arsenic ingestion Ionising radiation-very common in early 20 th century radiologists HPV virus causes genital IEN
Bowens disease-treatment: CryotherapyCurettage/excision 5 Fluorouracil cream (Efudix) Imiquimod 5% cream (Aldara) Photodynamic therapy
Basal cell carcinoma Affects fairskinned adults who have had a lot of sun exposure or repeated episodes of sunburn Gorlins syndrome-inherited tendency to multiple BCCs BCCs usually arise in normal-looking skin BCCs grow slowly over months or years Metastasis exceedingly rare but BCCs can cause destructive changes in surrounding tissues
Basal cell carcinoma-types: Nodular BCC-most common type Superficial BCC-common Morphoeic BCC-waxy,scar-like Pigmented BCC- can resemble melanoma Basisquamous BCC-mixed BCC/SCC Only the first two types are seen commonly in GP
Nodular BCC Most common type on face Small, shiny, skin-coloured swelling Telangiectasia cross the edge May have central ulcer or scab so edges appear rolled Often bleed spontaneously, then heal over Rodent ulcer is an open sore Facial BCC should be referred to plastic surgeon
Nodular basal cell carcinoma
Superficial BCC Often multiple Upper trunk or shoulders commonest site but can appear anywhere Pink or red scaly patch with raised edge on close examination Slowly growing over months or years Bleed or ulcerate easily
Superficial basal cell carcinoma
Why BCCs need treatment
BCC- treatment: Shave,curettage,cautery Excision biopsy, may need grafting or flap. Mohs micrographic excision Photodynamic therapy Imiquimod 5% cream-highly effective for superficial BCCs CryotherapyRadiotherapy
Remember-BCCs dont kill but can be locally destructive
Squamous cell carcinoma SCC is a common type of skin cancer It develops in the epidermis from squamous cells which produce keratin Usual presentation is a slowly –growing scaly or crusted lump Can present as a non-healing sore or ulcer punched out in appearance Sometimes growth is rapid over a matter of weeks
Squamous cell carcinoma
Squamous cell carcinoma,or is it?
Squamous cell carcinoma-causes: UV radiation-damages DNA in skin SCC may develop in an actinic keratosis or patch of Bowens disease Genetic predisposition to develop SCCs Smoking-especially SCC lip Thermal burns Chronic leg ulcers Immunosuppression-Azathioprine/Ciclosporin. Organ transplantation patients highly susceptible Organ transplantation patients highly susceptible HPV infection implicated in genital SCCs Pre-existing skin conditions eg lichen sclerosus and lichen planus can predispose to development of genital and oral SCCs
Squamous cell carcinoma- treatment If you suspect a possible SCC, refer via FAST TRACK pathway Histological diagnosis confirmed in Dermatology department Joint dermatologist/plastic surgeon assessment ideal, as happens in Bradford. Specialist Skin Cancer Nurse input helpful Surgery, possibly with skin graft Radiotherapy may be needed
Metastatic Squamous cell carcinoma 5% SCCs metastasise, most commonly from primary lesion on ear or lip Commoner in transplant patients Patients with CLL Associated with increasing age Associated with alcoholism More likely if multiple skin cancers present
Malignant melanoma Melanocytes are found in the basal layers of the epithelium Non-cancerous growth of melanocytes results in moles or freckles Cancerous growth of melanocytes results in malignant melanoma
Malignant melanoma-risk factors: Sun exposure, particularly during childhood Fair skin which burns easily Blistering sunburn, especially when young Previous melanoma Family history of melanoma Previous non-melanoma skin cancer Large numbers of moles/ dysplastic moles
Common sites for melanoma: In men commonest site is the back In women commonest site is the leg Can occur on mucous membranes, eg lips or genitals Can occur under the nail Can occur in eye, brain or mouth BEWARE AMELANOTIC MELANOMA
Glasgow 7 point checklist: MAJOR FEATURES: Change in size Irregular shape Irregular colour MINOR FEATURES: MINOR FEATURES: Diameter > 7mm InflammationOozing Change in sensation
The ABCDE of melanoma A Asymmetry B Border irregularity C Colour variation D Diameter over 6mm E Evolving (enlarging or changing)
Malignant melanoma
Growth of melanomas Horizontal growth within epidermis=melanoma in situ Vertical growth through basement membrane into dermis=invasive melanoma Once melanoma penetrates dermis,it spreads via lymphatic and blood stream = metastatic melanoma = metastatic melanoma
Malignant melanoma
Histological classification: Breslow thickness: Breslow thickness: This is the thickness of the melanoma in mm Clarks level: Clarks level: This describes which layer of skin has been breached Clarks level 1-epidermis-melanoma in situ Clarks level 2-dermal invasion Clarks level 5- invasion of subcutaneous fat
Treatment of melanoma Refer suspected melanoma via FAST-TRACK pathway Surgical excision by Dermatologist with 2-3 mm margin Wider excision if histology confirms melanoma Thicker melanomas> 1mm-wider excision +/- sentinel node biopsy Widespread melanoma-surgery/chemotherapy
Prognosis of melanoma Breslow thickness< 1mm, almost 100% 5 year survival Breslow thickness > 4mm, only 50% 5 year survival 5 year survival Remember, melanoma is a major cause of death from malignancy in young people
Malignant melanoma
Advanced melanoma
How can we advise our patients regarding skin cancer prevention?
NICE Guidance- January 2011
Benefits of sun exposure: Increases peoples sense of wellbeing Allows synthesis of Vitamin D Provides the opportunity for physical activity to improve fitness
Skin cancer prevention measures: Should not discourage outdoor activities Should encourage people to use sensible skin protection
Who should be involved? Commissioners, organisers, planners of national primary prevention campaigns Local bodies including environmental health, education sector, workplaces Local practitioners eg GPs, HVs,school nurses, pharmacists, dermatologists
At-risk groups: Fair-skinned individuals Children and babies Outdoor workers Immunosuppressed People with personal/FH of skin cancer People with > 50 moles People who overexpose skin by sunbathing/use of sunbeds
What action should be taken? Ensure advice contains simple explanation of how UV light damages skin Ensure advice explains how people can assess their individual risk Ensure advice is balanced, including both risks and benefits of sun exposure Ensure advice includes a range of options to protect skin against UV light
Advice: Avoid sunburn If you need to be out in sun due to work, protect skin as much as possible Spend time in shade between 11.00 and 15.00 Wear broad-brimmed hat, long sleeves and trousers Choose close-weave fabrics
Advice: Sunscreens should be used IN ADDITION to above measures Choose sunscreen with UVA and UVB protection It should be at least SPF 15 to protect against UVB It should be at least 4 stars to protect against UVA Use water –resistant products,applied every 2 hours
How to give advice in a positive manner: Positive statements are more likely to help people to change behaviour: using sunscreen helps to keep skin healthy and young-looking using sunscreen helps to keep skin healthy and young-looking Keep it simple Mention ageing effects of sun-sometimes has more impact than cancer risks (remember the old lady on the beach!) (remember the old lady on the beach!)
In summary: We have looked at the effects of UV radiation and other risk factors on the skin We have discussed the management of pre- malignant actinic damage We have considered the locally destructive nature of BCCs We have looked in depth at SCC and melanoma, both of which are potentially fatal We have looked at current NICE guidance on skin cancer prevention
And finally…………
Remember-theres no such thing as a healthy tan!
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Gulfside Townhome 11 | Gulf Shores Vacation Rental
Stay in this Gulf Shores Townhouse and enjoy the privacy a townhouse has to offer. This bright, sunny, nicely decorated two bedroom and two and one-half bathroom town home, with two levels, is sure to instill beach vacation spirit. It also offers easy access to popular resort attractions you are certain to enjoy. Relax on the comfortable furniture in the living area, where you will find a TV, DVD/VCR player.In the kitchen are all the cooking tools you need for making a variety of meals, and close by is a table with six chairs. A small table and chairs on the balcony facilitates fresh air dining while you enjoy the scenery.Your master bedroom suite offers a queen-size bed, a television and DVD player, and balcony access, and a private on suite. The guest bedroom provides a pair of twin-size beds, and a semi-private bathroom. The half-bath is conveniently located in the downstairs living area.This town home also offers a washer and dryer for your convenience. Covered parking, and internet access. This Gulf Shores Vacation Rental is non-smoking unit that does not allow pets. There is not an elevator located on the property. Gulf Shores Townhomes #11 is located at 723 West Beach Blvd. approximately half a mile west of Hwy 59. This property allows up to two vehicles per reservation.
Monthly reservations made online will not be confirmed until a reservationist reviews the booking details and verifies that the pricing is correct. If there is an error you will be contacted! Also, in order to avoid same day booking we do not allow reservations to be made online if booking within 48 hours of arrival. Several of our rental properties do have a nightly minimum requirement. If the calendar shows a property is available but you are unable to book online, please feel free to contact us at to ask questions in order to make reservations.
Free Amenities package included with stay: Amenities include: One complimentary adult admission to Waterville Water Park, Dolphin Cruise, and Deep Sea Fishing, good for all days of your stay, excluding date of departure. (Some restrictions apply) Dolphin Cruise and Deep Sea Fishing are available March-October. Water Park is available May-Labor Day.
Here are a few suggestions to help you plan your trip:
Visit the Gulf Shores Seafood Market: If grilling up some seafood on your back deck or having a seafood boil for family and friends, this market offers fresh local shrimp, fish , oysters, crab, crawfish and a large selection of fresh produce.
Take a tour of historic Fort Morgan: This preserved fort is the site of the Civil War Battle of Mobile Bay where David Farragut gave the order, "Damn the Torpedoes, full speed ahead." Visit this historic site and learn more about the important events that took place.
Visit the Bon Secour National Wildlife Refuge. This bird watchers paradise offers 4 different trails to explore. They even have one trail that is wheelchair accessible!
Nightly | Weekly | Monthly | |
March 16 - April 21, 2017 | $163 | $978 | - |
April 22 - May 17, 2017 | $163 | $978 | - |
May 18 - May 22, 2017 | $260 | - | - |
May 23 - June 22, 2017 | $215 | $1,290 | - |
June 23 - July 01, 2017 | $237 | $1,422 | - |
July 02 - July 04, 2017 | $260 | - | - |
July 05 - August 11, 2017 | $237 | $1,422 | - |
August 12 - September 05, 2017 | $159 | $954 | - |
September 06 - October 31, 2017 | $135 | $810 | - |
November 01 - February 28, 2018 | $114 | $684 | $1,268 |
2 Bedrooms2 BathsBalconyCommunal Pool
CondominiumDishwasherGulf ShoresGulf View
InternetSleeps: 6
Your request has been sent. We look forward to meeting all your vacation needs!


text: iPhone App Aggregates Gizmodo and Engadget; Air Traffic Control Currently Watching For Flying PigsJohn Mahoney3/27/09 2:10pm48EditPromoteGo to permalinkGadget Junkie pulls in Gizmodo's full-text RSS feed and presents it in a nice iPhone-friendly way. It also aggregates some other site called Engadget, which I guess is another pretty good gadget blog? Dunno.


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In praise of ….. Nine Inch Nails
Read moreI couldn't live tweet from the NIN show tonight. Not because my phone battery died. Not because my thoughts...
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Fog! Knives! Noise! Masks! My review of Skinny Puppy at Sound Academy, for Rue Morgue
Read more"The day that Skinny Puppy's "Live Shapes for Arms" tour thundered into Toronto, February 18, 2014, the music news...
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Read moreFriends, my first public poetry reading in a while, and my first public appearance of 2014. ChiSeries is always...
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Ogre of Skinny Puppy: on Guantanamo, Torture and Music as a Weapon
Read more"Skinny Puppy's music used to torture prisoners." This news has been going around my social media all week since...
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Mütter Museum Sleepover Report! Skulls and seances and scary movies, oh my!
Read more"Who wants to sleep overnight at the Mütter Museum with me for my birthday?" Many hands shot up. My...
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2013: A few of my favourite things
Read moreAh, exhale. The end of another year. It feels that way tonight, surrounded by snow and twinkling lights and...
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Shhhh. There are goths in the library.
Read moreToronto book lovers….I'm so pleased to be giving my first talk for the Toronto Public library! From Bauhaus to...
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Goth Guy Gift Guide 2013
Read moreBy request….for the gents…. 12 wickedly cool gift ideas for boys and men of the goth or punk rock...
November 22, 2013


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[Sporting Goods & Fitness Equipment] - [Sporting Goods] - [Golf Equipment] |
Supply golf ball transparent color |
Diameter:. 42.67MM (international standard golf size: not less than between 42.6-42.8) standard, weight:. 45g (the weight of a standard exercise ball between 45g-45.93g), the factory of 45-45.4 g is in line with the requirements of the weight of a standard golf stretch: approximately 80% (in fact elastic factory can be customized according to the guests to the ball, 70%, 75%, 80%, 85%, 90% can be) elastic stability Special good. Rubber ball inside the core, mainly kneading made of rubber, rubber chemicals, curing agents dozen chemical raw materials, temperatures up to 220 degrees, the Japanese high-pressure machine injection into the sphere materials were combined to form a density of 1.19g / cm3, the intermediate layer printed pattern formed by senior glossy paper, the outer layer of DuPont materials is an ionic resin, transparent body, mixed with a variety of compounds, according to customer requirements elastic size and hardness, and other related roundabout direction It called for package thickness, generally standard thickness between 0.75-1.80mm; bouncing stable from ideal. Our sphere surface Honeycomb mainly 442,432,366,392, model-based design of these wasps is to reduce air resistance hole and improve lift, allowing golf to fly farther and more easily controlled, the ball's flight path that is the ball itself will be subject to gravity The weight and influence of air resistance and, therefore, how to reduce the air resistance will be the key to develop bee-hole surface, in which the air for any movement of objects will produce biased aerodynamicists air for moving objects applied force is divided into two parts: the lift and drag forces, the drag force action direction opposite to the direction of movement, while the role of the upward lift force perpendicular to the direction of movement of the golf ball after hitting out that there will be a high pressure region in front of the air flow. and then flows to the rear when the ball will be separated by the leading edge with the ball, but the ball will have a turbulent wake behind the area, in this region and downs airflow disturbance, resulting in a lower rear pressure range will affect the wake drag the size of the force, the bee hole allows air to form a thin layer close to the ball table turbulent boundary layer, so that a smooth airflow along spheroidal move back some, but reduce the scope of the wake, and therefore qualified Bee Cave Golf drag force suffered only about half a smooth sphere, the company's ball table designed to meet the international qualified mechanics wind production. This is one of the few domestic private enterprises qualified golf. The company mainly produces: double practice balls, double floating ball double game ball, three ball game, four game ball, crystal ball, metal ball, double gift ball, colored balls, dolls balls, sports balls, titanium ball, flashing the ball, Choi dribbling, smoke balls, special pattern ball, box ball suits, senior gift sets and other superior quality, performance, standards, affordable, on behalf of India LOGO; additional outward factory supply all kinds of ball core: Floating ball core, core exercise ball, ball game dedicated core, etc., can be kind to build or according to customer requirements special ball core and special ball types The introduction of foreign imports of raw materials, equipment, development and advanced technology systems, has a group of skilled, experienced professional and technical personnel, innovation, and gradually move towards the forefront of the golf industry now has formed a certain scale, comprehensive technology, supply a large amount of more complete variety of domestic golf manufacturers, welcome new and old friends to the factory to visit. inquire and under-production. All golf products company in the full matching supply and distribution, the company can provide semi-finished products outside plant foundry finished other full-service. Welcome to call, under a single production, according to the guests request to order, request a printed LOGO, online target price for reference only, performance requirements and the number of balls will affect the price of the ball, the actual requirements and negotiate price quasi. Jinhao Division Business Contact: Miss 15360003385, business QQ: 2850705634 |


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Winneconne's Commemorative Beer Naming Contest
We will begin accepting Beer Name ideas for our Beer Naming Contest, starting Wednesday, March 1st!
This form may be printed or a form may be picked up at library, but entries must be submitted in person to the Winneconne Public Library!
This portion of the contest will run until Saturday, March 25th. Four name finalists will then be chosen from names submitted, and starting at noon, on March 27th through noon on Saturday, April 1st, all may vote either in person or online, for a final name.


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Daily Content Archive
(as of Monday, April 08, 2013)Word of the Day | |||||||
Article of the Day | |
The LeathermanFor more than 30 years in the mid- and late 1800s, a figure known as the Leatherman regularly walked a 365-mile route through Connecticut and New York. He was famous for his handmade suit made entirely of leather, and townspeople would save food for him in anticipation of his arrival every 34 days. He lived in caves, which he heated by building fires. Very little is known about his background. Though he was said to speak French, he communicated mostly by gestures. What name graces his headstone? More... |
This Day in History | |
Entente Cordiale Signed by France and UK (1904)The Entente Cordiale was an agreement that settled numerous colonial disputes and ended antagonisms between Britain and France. It granted freedom of action to Britain in Egypt and to France in Morocco and resolved several other imperial disputes. The agreement was consequently upsetting to Germany, which had benefited from their antagonism. The Entente paved the way for Anglo-French diplomatic cooperation against Germany before World War I and for what later military alliance? More... |
Today's Birthday | |
Edmund Husserl (1859)Husserl was a German philosopher and the founder of the phenomenological movement. His philosophy is a descriptive study of consciousness for the purpose of discovering the structure of experience—the laws by which experiences are had. Husserl concluded that consciousness has no life apart from the objects it considers and, in his later work, moved toward idealism and denied that objects exist outside consciousness. Husserl had a major influence on what German philosopher? More... |
Quotation of the Day | |
I have heard men talk of the blessings of freedom, ... but I wish any wise man would teach me what use to make of it now that I have it. Sir Walter Scott (1771-1832) |
Idiom of the Day | |
creature of habit— One who prefers the comfort and reliability of routine and habitual behavior. More... |
Today's Holiday | |
Hana Matsuri (2016)Hana Matsuri is a celebration of the Buddha's birthday, observed in Buddhist temples throughout Japan, where it is known as Kambutsue. The highlight of the celebration is a ritual known as kambutsue ("ceremony of 'baptizing' the Buddha"), in which a tiny bronze statue of the Buddha, standing in an open lotus flower, is anointed with sweet tea. People use a small bamboo ladle to pour the tea, made of hydrangea leaves, over the head of the statue. The custom is supposed to date from the 7th century, when perfume was used, as well as tea. More... |
In the News | |
Pay What You WeighIn November, Samoa Air did away with standard ticket fares and instituted a pay-what-you-weigh system, becoming the world's first airline to do so. The airline industry has for some time debated the merits of such pricing, since larger passengers take up more seat space and cause airplanes to consume more fuel; however, discrimination concerns have thus far deterred major carriers from making the switch. Samoa Air's CEO claims that consumers have been supportive of the new pricing plan, which charges adults up to WS$1.32 ($0.57) per kg for domestic flights and WS$2.40 ($1.03) per kg for international flights to American Samoa. More... |


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TMF Travel organises party trips for 16-24 years olds to top party destinations around Europe. To get some extra attention for their latest promotion, they created a unique wild poster campaign: one normal poster of a guy is surrounded by five close-ups of bikinis… in Push-up style.
This is really funny and perfect for the target. Not sure what girls will think about this... :)
.. / .-.. --- ...- . / .- -.. ...- . .-. - .. ... .. -. --.
I love it Morse.. The girlfriend will slap you across the face for like the ad.
sorry but already done by wonderbra a couple of years ago on an outdoor poster
one should not take life so seriously - as one will not come out of it alive.
Made me smile, but that's it.
That's me!
Remind me these :
"one normal poster of a guy is surrounded by five close-ups of bikinis"
those are bikinis??
and can we have 4 guys, and one girl?
Sense of arousal are different btw men and women, generally speaking....so the 4 guys 1 girl twist wouldn't work the same in most cases.... You could take a sociological perspective and find a similar conclusion....
Though I see the humour it doesn't get me. But then I'm not the target, and whether people want to believe it or not there are guys (or girls) who would take this...but I'm doubting the group would be 5 women and one man!
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117 Cherry St. Seattle, Wa. 98104 (206) 587 - 5737 Open: 10 - 5 Monday - Saturday, 12 - 5 Sunday |
The Old Man (Hardcover)
January 2017 Indie Next List
"Dan Chase is a wealthy old man living a quiet life after the death of his wife and his daughter's move to another part of the country. But wait -- he is being followed, and then his house is broken into and he has to kill the intruder. Next, the old man turns to his 'go' bag as it seems he has many identities, stashes of currency, and a plan to disappear. There are secrets to be discovered all throughout this tale and Perry keeps readers wondering what will come next. This is definitely one of Perry's best!"
— Barbara Kelly (W), Kelly's Books to Go, South Portland, ME
Edgar Award-winning author Thomas Perry writes thrillers that move "almost faster than a speeding bullet" (Wall Street Journal). The Old Man is his latest whip-smart standalone novel.
To all appearances, Dan Chase is a harmless retiree in Vermont with two big mutts and a grown daughter he keeps in touch with by phone. But most sixty-year-old widowers don't have multiple driver's licenses, savings stockpiled in banks across the country, and a bugout kit with two Beretta Nanos stashed in the spare bedroom closet. Most have not spent decades on the run. Thirty-five years ago, as a young hotshot in army intelligence, Chase was sent to Libya to covertly assist a rebel army. When the plan turned sour, Chase reacted according to his own ideas of right and wrong, triggering consequences he could never have anticipated. And someone still wants him dead because of them. Just as he had begun to think himself finally safe, Chase must reawaken his survival instincts to contend with the history he has spent his adult life trying to escape. Armed mercenaries, spectacularly crashed cars, a precarious love interest, and an unforgettable chase scene through the snow--this is lethal plotting from one of the best in crime fiction.
About the Author
Thomas Perry is the bestselling author of over twenty novels, including the critically acclaimed Jane Whitefield series, Forty Thieves, and The Butcher's Boy, which won the Edgar Award. He lives in Southern California.


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[Plastic & Rubber Machinery] - [Plastic Machinery] - [Other Plastic Machinery] |
PVC\PET SHRINK LABEL for bottle |
Quick Details
Packaging & Delivery
SpecificationsPVC SHRINK LABEL PET Bottle1. PVC Shrinkable Label: 2. Material: PVC. 3. Thickness: 25~75 micron. 4. Shrinkable range: TD 50 PVC shrinkable label / PET bottle label
low shrink temperature, wide shrink temperature range, high shrinkspeed. Good coloring, easy to printing with different colors and patterns. High transparency, high tear propagation. Good sealing, waterproof, moistureproof, can prolong the life of goods. Uses: Packing for big, and small mineral water, drinking, articles of everyday use (e. G. Cosmetics, shampoo) . We can satisfy with the demand of packing special-shapedgoods. |