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Remarks at the SIA Soft Dollars and Institutional Brokerage Conference
Chairman and CEO
Good afternoon. Thank you, Don [Kittell, SIA Exec. VP], for the introduction. I am, as always, grateful to the SIA for inviting me to speak. While our two organizations don't always agree, NASD has always afforded the SIA a special degree of access and cooperation, and we believe this can continue to engender a productive relationship.
We've made a lot of progress in the last couple of years toward erasing the investor suspicion and pessimism that set in after the recent melt-downs in corporate governance, the deflation of the Internet bubble and the so-called mutual fund scandals. And by "we," I mean the industry as well as the regulators.
Moreover, the investor exodus from mutual funds that some feared would happen after the market-timing and late-trading debacle reared its ugly head never occurred. The combined assets of American mutual funds have steadily increased with virtually no abatement to nearly $8.5 trillion today.
Ironically, what we may see instead is a broker migration from mutual funds now that the process of selling them is complicated by new sales practice requirements. I have in mind a way to avoid that, which I'll talk about in a few minutes.
First, I'd like to bring you up to date on some mutual fund sales practice rules that we've proposed having to do with point-of-sale disclosure, revenue-sharing in the context of point-of-sale disclosure, soft dollars and breakpoints. All these proposals were inspired, in whole or in part, by the findings of the NASD Mutual Fund Task Force, which we put together in the spring of 2004 to find ways to improve transparency in portfolio transaction costs and distribution arrangements.
And all of them share a common theme: disclosure, disclosure, disclosure. Clear, intelligible and frank disclosure of information the investor needs to know is the keystone of investor protection. But here I do want to emphasize clear and intelligible. Sufficient information, simply presented, designed to inform the investor, not an overabundance of opaque facts, figures and words designed to satisfy lawyers and which, intentionally or not, mesmerize the investor.
Point-of-sale disclosure for example. Here, to be honest, the historic and current state of affairs leaves a lot to be desired. In my view, the average mutual fund prospectus is not intended to inform and enlighten investors in good faith, but rather to satisfy a statutory requirement for disclosure of material facts about the fund - rather like the lead paint disclosure document you get at a real estate settlement. Only longer. And with no pictures. Moreover, investors generally don't see the prospectus until after the shares are bought and paid for. And the SAI they rarely see at all.
I don't need to tell you that the average buy-and-hold mutual fund investor doesn't boast the financial sophistication of a Warren Buffet or a Carl Icahn. He or she needs fund information disclosed in a way that is simple, intelligible and consistent from fund to fund for ease of comparison. At the same time, it must not be inordinately burdensome to the selling broker, or as I said earlier, the broker will sell some competitive product.
The Task Force made what I believe is a quite workable recommendation - that prospective mutual fund investors be presented with a two-page document explaining in plain English all the material features of a fund - its investment strategies, performance, average rate of return over the previous 10 years, costs passed on to shareholders, such as front-end loads and 12b-1 fees, and any conflicts of interest that may arise from the broker's relationship with the fund he or she is selling.
Most importantly, the disclosure document should spell out all the fees and expenses investors should expect to pay - be they transaction fees or fund operating expenses.
And all this information should be made available through the Internet to provide easy access. Internet delivery makes side-by-side comparison of several funds easy and allows investors to drill down through hyperlinks to get more information. In supplying investors with point-of-sale disclosure, one size definitely doesn't fit all. Of course, we would certainly expect alternative forms of delivery - paper or scripts read over the telephone - would still be permitted, but Internet delivery has these great advantages.
I mentioned conflicts of interest, such as arise from revenue-sharing. Certainly, a mutual fund company has a right to reward a broker-dealer for selling its funds rather than others. And certainly, the broker-dealer has a right to pass those rewards on to its salespeople. That's all fine, with one caveat: where such arrangements exist, the investor needs to know about them - before he or she buys the shares.
We don't propose that revenue-sharing agreements be explained in detail, only that their existence be noted. For example, the point-of-sale disclosure document could offer yes-or-no answers to two basic questions:
- Does the fund or its affiliates pay the broker-dealer more to promote its funds over others?
- Does the broker-dealer pay its personnel more for selling this fund than for selling other funds the broker-dealer offers?
So informed, the investor can find out more by clicking on a hyperlink, such as the extent to which the revenue-sharing arrangement may have affected the selling broker's recommendation.
There is a proposed draft of this disclosure document on the SEC's website. I encourage you to look at it. The comment period is over, but I'm sure the SEC will consider expressions of support.
We don't think providing investors with a few simple, basic facts - facts they have every right to know - at the point of sale is an unfair or onerous requirement. And, that is certainly the case if firms can deliver this information via the Internet. Indeed, to relieve some of the cost and burden on firms, NASD is prepared to play a role in creating and maintaining an on-line database utility to host the point-of-sale documents for all mutual funds. A firm could straightforwardly link to this utility, add as necessary the information particular to its firm, and provide the necessary disclosure of the point-of-sale documents. NASD understands that regulation imposes costs, and we believe we have a responsibility to bear some of those costs.
We welcome and consider your input on all our proposals and positions, and we have made adjustments to some in response to your comments and suggestions.
The Task Force also offered some cogent recommendations on the use of soft dollars.
Principally, the Task Force believes that soft-dollar access to research - proprietary and third-party research - ought to be preserved, including the right to bypass the lowest available commission to obtain soft-dollar services. The question is: what soft-dollar services are reasonable? In many cases, this is no mystery.
Is substantive research, including third-party research, intended to improve the management of client accounts, an acceptable soft-dollar expenditure? Of course.
Is provision of office space? I think not.
Between these two ends of the spectrum you find a few uses of soft dollars that are not so easily defended or opposed. Rather than going down the list and saying this practice is acceptable and this one isn't, the Task Force recommended that the SEC narrow the scope of the safe harbor provision to allow only research services that principally benefit investors, not advisers.
That would exclude material services such as computer hardware and software, phone and data transmission lines, newspapers and magazines and so on. It would include services that have intellectual content.
The Task Force, which I chaired, also expressed its belief that soft-dollar practices and portfolio transaction costs ought to be better-disclosed, publicly, to mutual fund investors and, internally, to mutual fund boards. With regard to soft-dollar practices, while the Mutual Fund Task Force didn't go this far, I personally would hope that mutual fund boards of directors would encourage brokers to unbundle the commissions they charge to make clear the cost of the actual transaction and the cost of the ancillary, permitted research services they provide. Such information will help mutual fund boards decide whether the research services are worth the cost to their shareholders.
More than 80 percent of the firms we regulate are small firms - that is, they employ fewer than 150 registered reps. They don't have in-house research staffs and, in many cases, they don't have the wherewithal to pay for research and the like with hard dollars. So, I think it is vitally important that soft-dollar access to research, including third-party research, be preserved. And I'm confident it will be.
The bottom line is this: if you accept the principle that the investor should be the foremost beneficiary of soft-dollar expenditures, and adhere to that principle, you'll get no quarrel from us.
And that is a principle you would do well to apply in everything you do professionally.
It was a failure to do so that led to our discovery in 2002 that a substantial proportion of high-dollar buyers of Class A mutual fund shares were not getting the front-end load discounts that they were owed.
And just as soft dollars have in some cases been used inadvertently for purposes that Congress didn't intend, volume discounts on A shares have in some cases been withheld inadvertently from investors.
As dissimilar as these two issues are, our responses to them are not dissimilar at all. We can deal with both by making the processes more transparent to you and to your customers. And in the area of breakpoints, we are well along the way to doing that.
Let me point out here that not all the breakpoint failures we discovered were unintentional and we have taken disciplinary action against a number of brokers and firms whose failures were negligent in the extreme. And we'll continue to do so as circumstances warrant.
We also required all the firms we oversee to determine which of their clients had been deprived of discounts and to give them refunds as quickly as possible.
But our job is not simply to right wrongs and punish wrongdoers. It is also to help the people and firms we regulate to avoid inadvertently becoming wrongdoers. Investors are best protected if firms get it right the first time, and we believe in many cases we can help.
Mistakes can be particularly hard to avoid in the area of breakpoints, where determining a customer's eligibility for a discount almost requires a specialization in calculus.
It doesn't have to be that hard. What the industry needs is a single, easily accessible source of information that brokers can turn to for all the information they need to determine customer eligibility for discounts - information such as breakpoint schedules, pricing methods and linkage rules.
In July 2003, the Joint NASD/Industry Task Force on Breakpoints, which we convened, recommended that the fund industry work with NSCC (the National Securities Clearing Corporation) to create such a database.
At this time, I'm pleased to say that NASD is putting the finishing touches on an easy-to-use Web site that will allow registered reps and investors to access key mutual fund discount and expense information right at their desktops. And, we're using a variety of approaches to monitor the data to ensure that it stays accurate and up-to-date. We expect to launch the site in the next few weeks. Let me emphasize that NASD is bearing the cost of this web site. This is a proper role for us.
For this to work, though, the fund industry has to provide the requisite data, and ensure that it is kept current with the information in the funds' prospectuses. I met with ICI's Board last May and strongly encouraged them to get the fund industry to work harder at this. I told them that our board had authorized us to petition the SEC for a rule to require that funds provide the breakpoint data needed to make the Web site work. The ICI responded - committing to an industry deadline of August 31 for larger fund families to provide their breakpoint information to NSCC.
As of today, most of the larger fund families have provided their breakpoint information. But there are a number of funds, many of them smaller ones, that still have not. To date, 66 fund families, representing over 90% of 2004 new front-end load fund sales, have posted information on breakpoint schedules and aggregation terms to the NSCC database. We appreciate the hard work the funds have done to provide the requisite data, but there are still half the fund families selling load funds that have not yet supplied their data. We expect full participation.
As I said, getting breakpoints right doesn't have to be hard. The extraordinary advances in telecommunications of just the last decade or so have made all our lives easier, and in so many ways. Thanks to the World Wide Web, information that used to take hours, days, weeks, even months to find and aggregate now is available in a matter of seconds.
The industry and the regulatory community have made a lot of progress in harnessing the power of the Internet to make the science of investing approachable to the uninitiated. But there is a lot more to do in this regard, and I can hardly think of a better example than the disclosure regime for 529 college savings plans.
There are two issues here. One is that Congress designated 529s as municipal securities, not as mutual funds, and thus gave the Municipal Securities Rulemaking Board authority to make the rules that govern their sales. NASD is charged with enforcing those rules.
The other issue is that 50 states offer 529 plans to parents saving for their children's college education and no two of them disclose their costs, benefits and risks in exactly the same way.
To investors, 529 Plans look like mutual funds. And why shouldn't they? They are mutual funds, with an added layer of state and federal tax benefits. So, investors have every reason to expect that the sales practice rules for 529s will be comparable to those that NASD created to protect investors when they buy mutual funds.
Some time ago, we called for a change that would have the MSRB adopt our mutual fund sales rules and apply them to 529 sales. And I'm happy to say that, working together, we've been able to get the MSRB to make the sales practice rules for 529s mirror those that protect investors in the sale of mutual funds for all our major rules. We appreciate the cooperation we've gotten from the MSRB. This is an excellent example of regulatory cooperation in the service of investors.
To make this partnership continue to work as seamlessly as possible, we would like today to call on the MSRB to enact a rule that automatically applies to 529s any future sales practice rules that NASD sets for mutual funds. That would ensure investors that they will have as much protection from fraudulent and misleading sales practices when they buy 529s as when they buy mutual funds. There would be no breakdown in the rule regimes and no delay in keeping them in harness. Think of it as the regulatory equivalent of indexing tax rates to inflation, so that the rules automatically change as the world changes.
Of course, the MSRB could at any time decide to opt out of any mutual fund rule NASD adopts, and indeed could revoke the agreement at any time. But putting the agreement in place and keeping it in place would give investors confidence that when they buy products that look the same to them, they will receive similar protection from sales practices abuse.
There's one more point I'd like to make about 529s. The proposed rule on point-of-sale disclosure for mutual funds would apply to 529s as well. But that doesn't negate the fact that 50 states offer 529s, and no two of them disclose basic information about them in the same fashion.
We have been saying for some time that this should not be the case, in part because it isn't necessarily in an investor's best interest to buy 529 plan shares offered by his state of residence. The state issuers of 529 plans should, to the extent possible, standardize disclosure, so that investors can compare apples to apples. And to that end, the National Association of State Treasurers and its affiliate, the College Savings Plan Network, last December proposed a set of disclosure principles and encouraged each state to adopt them voluntarily.
And the states have responded splendidly. According to the MSRB, nearly all of them have either agreed to adopt the disclosure principles or are looking at them favorably. We hope and expect that soon, parents who want to put money away for their children's college education will be able to compare 529 plans with a minimum of confusion.
I talked at the outset about how the regulatory burden on brokers who sell mutual funds could encourage them toward products that are more lightly-regulated and, thus, easier to sell. This is a trend that concerns me. There are a couple of initiatives we can take to deal with it.
First, we can work hard to remove unnecessary burdens in the sale of mutual funds, as we are doing with our point-of-sale proposals. And we can shoulder some of the related costs ourselves. Second, we can assure that other, competitive products are subject to sales and disclosure regimes that are as comprehensive as those for mutual funds.
Investors clearly are not well-served by a race to the bottom. Product recommendations that brokers make ought to be based, first and foremost, on the customers' needs and desires, not on how easy the products are to sell. So, to level the playing field, I think we need to start looking at fixed annuities, variable annuities and equity-indexed annuities, exchange-traded funds and perhaps some other products, such as separately managed accounts, to ensure that investors are as well-protected from abuses when they buy those as they are when they buy mutual funds.
In the case of variable annuities, we have proposed a rule establishing specific suitability and supervision requirements. And, in the case of equity-indexed annuities, we issued a Notice to Members in August suggesting that registered reps would do well to treat them as securities, even though it's not clear that they are in every case.
Harmonization of rules governing the sales of similar products is a matter of fundamental fairness. Investors have a right to expect a level playing field when they're examining and comparing products that are close substitutes for each other.
I know that there is a perception within the industry that we, as regulators, live to regulate - that we get out of bed in the morning and say: what can we do today to make our members' lives more difficult? I don't know how much good it does for me to say it isn't true. But it isn't true. Our passion is for protecting investors, not for regulation and enforcement. And it is for that reason alone that we propose to balance the regulatory regimes for all investment products that are sold to mainstream investors. We have tried hard to be conscious of the regulatory burdens and costs imposed by the regimes we propose - and indeed to shoulder some of those costs ourselves, as we have done with the mutual fund breakpoint database and would do with the mutual fund point-of-sale database.
I'm sure that many of you are anxious to debate this proposition with me, and it's only fair that I leave plenty of time for that. I'm eager to hear what you have to say.
Before inviting your questions, though, I want to talk briefly about NASD's accomplishments over the last few years, as November will mark the five-year point of my tenure as CEO.
As I said a moment ago, NASD exists to protect investors. And that entails, as you well know, a good bit of regulatory and enforcement activity, especially given all the bad behavior that has infected our industry in recent years. Our communications people do a good job of trumpeting our successes at enforcing our rules and punishing malefactors, so I won't roll out the statistics on how tough we've been.
Comprehensive and effective investor protection entails a lot more than rule-writing and enforcement. Investors can and should play a meaningful role in their own protection. But they can only do so if they are well-informed about investing and the markets and have the right information on which to base their decisions. Properly informed investors, trading in fully transparent markets, can be the front-line of investor protection, partnering with our regime of rule-writing and enforcement.
For these reasons, we have devoted a great deal of time and attention to the related missions of market transparency and investor education.
A few examples:
- We have brought light to the previously dark world of corporate debt by launching the Trade Reporting and Compliance Engine or TRACE. Trade and price information on corporate bonds used to be difficult, at best, for retail investors to find. Now it's simple and instantaneous.
- For mainstream investors, choosing and working with a broker used to be almost entirely a matter of trust. Trust still resides at the heart of that relationship, but now investors can turn as well to NASD Broker Check for information about a broker's background and disciplinary history, if any. Using Broker Check, too, is simple and instantaneous.
- In the past two years, we have poured $31 million into the NASD Investor Education Foundation, which will soon receive another $55 million from the SEC, thanks to a ruling by a federal judge on September 2nd. The foundation has issued millions of dollars in grant funds for programs to educate and enlighten regular investors. It has set aside $6 million for programs that specifically benefit members of the armed forces and their families.
- And we've increased the urgency with which we warn investors about new and emerging issues and trends that may affect them. Since the start of 2001, we've issued 30 Investor Alerts that inform people, in plain English, how they can protect themselves against booby traps like on-line identity theft and fake regulator websites - and teach them what they need to know about new offerings, such as 100 percent mortgages and funds of hedge funds.
As CEO, I am every bit as committed to these means of protecting investors as I am to our responsibility for making and enforcing rules. The term "buyer beware" is an appropriate signpost. Investors have a responsibility to enlighten themselves about securities before they buy them. And we, as regulators, have a responsibility to provide them with the tools and information they need to invest with knowledge and confidence.
This is a responsibility we take very seriously. We have addressed it - and will continue to address it - with great energy and sense of purpose.
With that, let me say thank you again to Don Kittell and the SIA for giving me the opportunity to be with you. And now I'll be happy to answer any questions you may have.


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Big East M5: 11.13.13 EditionPosted by George Hershey on November 13th, 2013
- As the majority of college hoops fans watched the Champions Classic in Chicago, Marquette won its second game of the season in a dismantling of Grambling State prior to Saturday's big upcoming match-up with Ohio State. Grambling hasn't won a game in over a full year so it was interesting to see Marquette schedule such a team with horrible RPI implications. The most impressive player on the night was freshman Deonte Burton. Burton is a physical specimen who got off to a slow start but in the second half came on strong to finish with 14 points and six rebounds. He could play a role coming off the bench to provide defense and rebounding as well as an ability to provide offense from the foul line extended. As Buzz Williams figures out the rotation for the season, Burton will be an interesting case study because of the tools he brings to the lineup.
- Some personnel news came through on Tuesday, as Seton Hall head coach Kevin Willard announced that freshman Rashed Anthony will redshirt this season, and St. John's head coach Steve Lavin announced that Felix Balamou and David Lipscomb will also be redshirted. The Pirates and Red Storm have plenty of depth at each of their positions and the players could use the time to develop their bodies and skills through a year of practice. Willard specifically said that Anthony could get become a better player with a year of physical and technical development. The Red Storm's Balamou would have had difficulty getting minutes this year, but next year will have a great shot to earn significant playing time after several players at his position graduate.
- Doug McDermott turned in quite the performance on Monday night against the UMKC. In only 28 minutes of action, he scored 37 points in a variety of ways — hitting threes, runners, post-ups, pull up jumpers — and it was a joy to watch. ESPN.com's Myron Medcalf wrote a piece on McDermott and his rising stardom. McDermott is already a bona fide star, but he does not receive much attention because of his humble personality. He certainly is deserving of the kind of attention that players like Marcus Smart and Andrew Wiggins receive, but he plays for a Jesuit school in Omaha and was not a particularly big time recruit. Hopefully his final season at Creighton and playing in some of the major media markets of the Big East will help elevate his place in the college basketball world, as pundits and fans realize how special a talent he is.
- The John Wooden Award Preseason Top 50 players list was announced yesterday and the Big East is represented by two players, Doug McDermott and Semaj Christon. McDermott is looking to become the first three-time Wooden Award All-American since Tyler Hansbrough. It is Christon's first time on the list and he is also a candidate for the Bob Cousy Award, recognizing the nation's top point guard. McDermott is a near-lock to make the 10 player All-American team and will be fighting with several other stars all season to win the National Player of the Year Award. Christon is a player who could sneak up on people and make a run for one of the 10 spots if he has a big season at Xavier, and he already has the Musketeers off to a good 2-0 start.
- Xavier pulled out a big win last night over Tennessee at the Cintas Center in Cincinnati. This is an impressive early season win for Chris Mack's team that has been battling the injury bug and wasn't completely sure who would be suiting up for the game. Semaj Christon led the way, but two unsung heroes who were pivotal in securing the win were Matt Stainbrook and Erik Stenger. The duo combined for 18 points and 16 rebounds on a night where points came at a premium and the play was sloppy. Stainbrook played great defense in the low post and Stenger brought great energy and hustle throughout the night. It seemed like whenever Stenger was on the court, he was constantly active and making plays. Christon is Xavier's go-to scorer and the unquestioned leader, but other players like Stainbrook, Stenger, and Myles Davis will determine in the end if Xavier is a contender or a pretender.

subset: commoncrawl


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After finishing 16 games under .500 last season, the Milwaukee Bucks needed plenty of help from Thursday night's NBA draft. In the second round, they picked up a high-character wing who is also a born leader.
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"We added an extremely, extremely high-character player. You look...


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Jeep Liberty Diesel seeing other problems?
edited August 2014 in Jeep
hello all ... first of all i have read many of your posts. thanks. now to why im here... i have a 2005 crd with 45000ml .. up till now i have been real happy with only the basic trouble and recalls. i have all my work done at my local dealer that has only one jeep crd certifide mechanic. i have an ongoing problem that i have not read anything about..my crd looses all power after a heavy run..it don't happen all the time and only is rectified bye pulling over and shutting the truck off/and restarting it.. this has happend several time over the last year and getting more common.i have had the truck in the shop a few times and have been told differant things each time ..well the last few times ive been in there i have noticed that there is a 2006 crd sport sitting in the same stall each time .. after talking to the mechanic i soon found out that it has just been "bought back" from the owner. it has had many of the troubles that i read about but the transmition shutter and the unexplained loss of power was it's final straw. ive just been told that my turbo is bad and that it will be several weeks before it will be fixed due to three other crd's with bad turbos that are ahead of mine.. all of which have over 30000 ml's and under 65000 mls . "glad i bought an extended warenty. has anyone else had these problems. if so please let me know. thank you
Hi hammerboyone,
Do you come to a full stop after the "long effort"?
I noticed sometimes by selecting Neutral then Drive again, or just by pushing the brake pedal the converter gets loose again and I don't stay in a creep mode anymore. This normally occurs when I slow down to 20mph without braking: the tranny remains in 2nd gear with the converter locked. It's just a bug in the program :surprise:0
Hello caribou1, I've tried everything from shifting to N. to stopping and letting the truck idle . I was told that some new auto computers have a safe more build into them... not sure if the liberty does but that would make alot of sence to what is happining... The only thing that works with my issue is to completely shut the truck down and restart it..It does sound like a computer issue from what im seeing, shuting it down must reboot the computer im no mechanic but that is what works on my desktop when it crashes...About a month after buying the truck i had an issue were it started running real bad after a trip to the shop and what they said was a loss of the program flash i was on my way. This has been an issue on several differant occations. Then came the trany work (tc) and an "upgrade trans flash" that made the truck drive like a real sissy piese of s***. I took it back right a way .It didn't shift like it did when i bought it.In matter of fact, if it ran like that from day one, i would not have bought it. After four trips back and countless hours on the phone , it was close to the way it was before but because of the tc work and the detune that come as part of it ,the truck didn't have the power it had beforehand. Sence then i have installed several upgrades to the truck .I installed a K&N airfilter that brought the performance back too or mayby alittle more then it was before the TC work.That is when the thing runs. I gained about 2 mpg and the turbo lag wis not as bad. but now with whatever this problem is Now ,there are times im lucky to get 12mpg .0
Assuming your computer still operates as it should, when you get bad mileage and miserable acceleration, it seems the engine doesn't always detect boost pressure. I also used K&N without any success. You can try disconnecting the battery a few hours to reset the tranny and go through "teach mode". It's not my favorite because you reset everything including the radio, but there is no risk with electronics. Winter fuel is also a pain: it's 20% less mileage in my case :sick:
If you don't mind getting your hands dirty, pull out your boost sensor and turbo vanes actuator filter. When no error code shows up on the console, you need a bit of luck or lots of money to understand what's going on. This is what I called our "Sword of Damocles" a few years ago...0
well here is a new twist to the problem... This morning there was another episode and i called my local shop" jeep dealer". and got a true look at what makes them up.. First i told them what happend and told them that there was no check engine light when it happend "same as other times". which there reply was there will be no record of it in the computer, so there is really only one of two courses of action.. 1: drive the truck "easy" until it goes in for the service work on the turbo. which he also told me that the parts may not be in for several weeks..This makes me uneasy ,not because i beat it. but because i drive quite a bit to&fro for work. Driving both highway and city..OR 2:take the truck in now and leave it there until they see the problem happen or they see some sign of something going on.. WOW .. it's only just come back out two days ago to which i was told there is nothing wrong with it.. or at least they have no record of something strange because the computer didn't record it.. this at first didn't seem like a bad way to go until the service manager told me that evan thoe i have a warrenty.. the dealer can't give me a loaner unless i pay for it ... SURE RIGHT...let's see now i told him and made mention to the crd sporyt that is sitting in the same stall now for going on two months.. Well i still have the truck... i also made mention to the fact that i wont stand for what i see as a stalling situation .seeing i have now 45000miles and only a 60000mile warreny.. :mad:0
Ask yourself what the computer cannot see:
- the cleanliness and efficiency of the individual filters
(diesel fuel, intake air, turbo vanes vacuum line)
These 3 items are the cheapest consumables of the lot.
Practically all the other elements are electrically controlled. If you had EGR problems you would generate lots of black smoke in one condition and a Lambda sensor error in the other. If I were in your case, I would change these filters first. This can cost you less than driving back and forth to the dealership.0
all filters were just changed,less then 500 mile ago..and as for the ERG. has been replaced twice and the air pump once.0
Try another CRD :confuse:
When I reached 60,000 miles the maintenance cost me far too much money. Since then I have an enormous rattle, mushy performance, air in the brake line, damaged a/c plumbing, and no more limited slip differential because the dealership used a friction additive in the rear differential. They got everything wrong this time and it's a pain to end up fixing the truck myself.
Some manufacturers offer 5 years warranty, so customers must go to the dealership during these 5 years otherwise they loose their warranty. This is their latest trick to grab our money.0
cornbread1 Posts: 3:lemon: Hammerboyone I had the ezact same problem with my 06 CRD an Jeep dealership could never figure it out. I would reconmend that you notify DaimlerChrysler by registered or express mail about your jeep.You can find a form in your OWNER'S RIGHTS UNDER STATE LEMON LAWS hand book. By doing so Jeep's main office will have to get involved to resolve the problem. Research the lemon law for your state so they can't pull the wool over your eyes and trust me they will try. On my CRD the missing,lack of power,and sometimes stalling started just every now and then but over time it got worse. This is very dangerous to drive because you never know when it will happen. What will happen if pull out infront of traffic and mash the throttle to the floor and instead of putting 295 foot pounds of torque to the ground you don't have enough power to get out your on way. This happend to me and I about got hit.I hope this was helpfull and I wish you the best of luck in getting your problem resloved.0
tcluff Posts: 3Hello,
I have a 2005 liberty CRD and it 90,000 miles on it. recently I have experienced smoking from the exhaust at idle. I replaced the pressure relief valve for the crankcase which is connected to the intake (preturbo). That did not solve my problem. I either have a turbo with bad seals or the engine is losing ring compression. After reading your message I am leaning more towards bad turbo. I have no warranty left so have gone on line to find a replacement turbo. The turbo is made by Garrett and I found one for $795.00 exchange. this is about 1200.00 less than the list at the dealer. What I am wondering is if anyone has experienced this oil burning smoke prior to finding out the turbo is bad or if I might have a larger problem in the engine.0
Worn piston rings affect general engine performance, worn exhaust valve guides will let oil in the combustion chamber mainly during deceleration and leaking turbo seals should give you an engine malfunction error via the Lambda sensor. When turbo seals are worn, the higher the oil pressure (or engine RPM) the more smoke you should produce.
The first test is to check your engine compressions (4) taken through the glow-plug holes. Then monitor the engine oil pressure with a manometer instead of using the digital information; a good technician will evaluate the condition of the engine by observing the oil pressure variations. Perhaps your oil is not thick enough? Some turbos only last 100,000 miles :sick:0
winter2 Posts: 1,801I have had one turbo car previously, a 1985 Dodge 2.2L turbo and it never gave me a lick of trouble (the turbo) in 125K miles. I have nearly 65K miles on my 2005 CRD and the turbo runs fine. What I have learned about turbos from my Dodge pretty much applies to the CRD.
1. Be gentle with the engine and turbo for the first three to five miles of driving this is in spite of the fact we all use (hopefully) synthetic oil in the engine.
2. After driving any length of time or speed, it is good to let the turbo cool down before engine shutdown. The user's guide tells you how long and then add 50% more time.
3. Change oil and filter more frequently than called for by the manufacturer. It may seem like a waste of money and time but it is cheaper than replacing major engine components.
4. If you are using Mobil 1 0W-40, then you are asking for trouble. Several Jeep dealers I know of, including the one I use, do not use Mobil 1 any longer in any of the diesels or the spark ignition engines. The dealer I use gets RedLine 5W-40 diesel oil. I use it and I have been happy with it for some time.
5. Smoke at idle is as I see it not a turbo issue. Are you having oil consumption issues? You do not tell us what kind or color the smoke is so it makes it hard to diagnose the issue.0
troyster1 Posts: 1tcluff,
My turbo is starting to leak oil and I have experienced the loss of power and restarting the vehicle twice within the last 4 months and increasing black smoke at higher RPMs. Also have an EGR engine code. I currently have oaver 140K miles, so I guess it's about time. I was wondering where you found the Garrett turbo for $795 and what model is it?0
This discussion has been closed.


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Dano Colón
Name: Dano Colón
Majors: Theater and Philosophy
Year: Junior
Hometown: Kingwood, Texas
What made you decide to major in theater?
The CSB/SJU theater department does a staggering amount of very fresh, exciting, and new work. I've always been very impressed with the incredible diversity and resourcefulness of the department as a whole, as well as with the high level of quality of the work that I have seen come from it in all respects. I was originally a philosophy major who was doing theater just for fun, but it wasn't long before I realized that we have a very high quality program here and I absolutely had to be a part of it.
What area of theater do you focus on?
I feel the most comfortable with acting, because in terms of technical ability, I'm generally useless to the world. I couldn't build a hole in a wall with a sledgehammer, let alone program light cues or operate a sound board. But I'm working on these shortcomings, and with the help of the department's skilled and savvy professors, I'm learning more than I ever imagined I could learn about technical theater – and I haven't even taken a class yet!
What do you like best about the theater program at CSB/SJU?
We have a fantastically diverse, yet shockingly close-knit group of people here. We all really balance each other out, and everybody is basically family.
|In fall 2005, Colón performed in "A Midsummer Night's Dream."
What is the biggest struggle you've encountered in the program?
The academic side of the theater department is extremely challenging. People think that theater is something that doesn't entail a lot of actual schoolwork, but the classes are actually quite challenging. The academic approach to theater at this school is very impressive and well-organized.
What kind of relationship do you have with your professors?
Because we spend so much time with the theater professors, they, just like all of the students, are practically members of our family. Not parents, as one would expect; they're most akin to the eldest brothers and sisters of the family. They're friendly and accessible to us, but they also have it in them to really push us to grow as professionals and as people. They have a good sense of when to challenge us and with what, and when to give us a helping hand.
How is the interaction between students in your program?
We're a family. I've grown closer to some of these people in the past two years than a lot of my lifetime friends back home. We basically live together, and the BAC (the building that houses the theater department) is basically our home. We have fun together, and sometimes we butt heads or disagree about how things should get done, but at the end of the day we're over it, and we're all closer and know more about each other for it.
|Colón played Lavrenti, as well as Shauva and various parts in the ensemble, in "The Caucasian Chalk Circle" in spring 2007.
Is there an experience that you have had at CSB/SJU that really stands out in your mind as outstanding?
In my freshman year, I was lucky enough to get to work with a group of very talented and personable seniors for the whole semester as part of "A Midsummer Night's Dream." They taught me so much, and they were such awesome people that I basically decided, based on my experience with that one play (my first at the school), that this was where I belonged.
What are your plans after graduating from CSB/SJU?
I plan on pursuing acting professionally.


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Aliens, UFO sightings, a top-secret government testing facility, moonlike terrain. Is it any wonder State Route 375 gained notoriety as the "Extraterrestrial Highway?" As this stretch of road runs parallel and extremely close to the borders of the Nellis Air Force Range's top-secret Area 51, many who have traveled this section have claimed to have seen unidentified flying objects and strange activity in the area, blaming it on alien activity.
Additionally, engineer Bob Lazar told a series of colorful stories to Las Vegas television stations in the 1980s, recounting his experiences working on alien spaceships in the Tikaboo Valley, just south of the ET Highway. By the 1990s, a string of imaginative tales of the ET Highway and mysteriously secretive Area 51 became mainstream, prompting the publication of countless books and television appearances, even drawing in reporters like Larry King to rehash their experiences.
This thrilling string of unexplainable accounts is exactly what prompted this famous route to be renamed the Extraterrestrial Highway in 1996. Aliens or not, the lack of human life on the ET Highway is a bit eerie, with less than 200 cars traveling the route daily. While we are normally all about encouraging people to get off the road and dive into adventure, it is wise to stay on the pavement and not venture too close to the border of Area 51. Armed guards will quickly advise you to turn around, even though Area 51 doesn't "officially" exist.
If you're interested in rubbing elbows with folks who call the area home, stop into the tiny community of Rachel, which is basically the halfway point along the highway. You're sure to meet some interesting characters at the Little A'Le'Inn, and can even get your hands on some alien swag if you like. Also, it's here that you can order themed treats like the Alien amber ale, or even count on this place for emergency fuel and supplies. But, travelers beware—you're going to pay for it. As the only place to stop in between Tonopah and Alamo, prices aren't exactly cheap. We always encourage people to travel with extra fuel when traversing the back roads of Nevada, but especially in this circumstance as resources are extremely minimal.
In addition to the zany town of Rachel, travelers can also pop into the Alien Research Center for some fun souvenirs to commemorate this unforgettable trek. Or, take our word for it and stop in at one of TravelNevada's favorite roadside stops at ET Fresh Jerky in Hiko. As the "cleanest place to drop your toxic waste was in Area 51," travelers can count on some delicious alien-themed jerky like Terrestrial Teriyaki Turkey and well…clean restrooms.
The ET Highway is certainly lonely, but the possibilities for your imagination to run wild are endless. Little green men or not, the region has some fascinating history, as the area was home to old atomic bomb testing, secret Defense Department airstrips, and gigantic sequestered tracts of military land with no public access. Pose next to the gates of the mysterious Area 51, grab an Alien coffee mug at the Little A'Le'Inn, pose with a gigantic metal alien at the Alien Research Center, or nab some delicious treats at ET Fresh Jerky...the photo ops on this route are endless. No matter how you do it, add this wacky, only-in-Nevada experience to your next Nevada itinerary. We're sure you'll come back with some stories of your very own.
Fun Fact: The trailer park in Rachel was the movie set for the 1996 box office hit Independence Day.
This 98-mile stretch of road is on State Route 375, beginning near Hiko and ending near Tonopah. Major intersections can be found at State Route 318 and US 93 as well as US 6 and Tonopah.
Point of Interest Go››


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Obamacare changes may prove challenging for 'safety net' hospitals
Hospitals that treat the most vulnerable patients may have the toughest time weathering spending cuts under the president's health-care law.
Approximately 1,500 hospitals nationwide are known as "safety net" providers, because they care for a larger portion of uninsured patients than their competitors.
Under the Affordable Care Act, the safety-net hospitals will gain a new source of revenue when millions of the uninsured gain coverage.
At the same time, the law's spending cuts could prove challenging for hospitals that tend to operate with relatively small profit margins.
"This is a time of uncertainty for them," said Stu Guterman, vice president of the Commonwealth Fund. "On the one hand, they should be thrilled because a lot of the patients they treat will have payment attached to them. On the other, they're losing some of the funding they rely on."
A report released Tuesday by private consulting firm Alvarez & Marsal warned that the health-care law "may actually worsen the status of many safety net hospitals."
The Affordable Care Act layers three big spending cuts on top of reductions that states have made during the recession.
First, the law slows the rate of regularly scheduled pay bumps from the federal government, meant to help hospitals keep pace with growing health-care costs.
Safety-net hospitals also will bear the brunt of cuts in "disproportionate share payments," money that the federal government sends hospitals that cover a high level of uninsured patients. These payments, which come from the Medicaid and Medicare programs, will fall by more than $30 billion over the next decade.
Health experts initially thought that those funds would become unnecessary, as the expanded access to health coverage lessened demand for uncompensated care.
After the Supreme Court declared the Medicaid expansion optional, several Republican governors declined to move forward -- leaving hospitals worried that they will still see high numbers of uninsured patients.
Last, the health-care law tethers a small portion of hospitals' Medicare payments to the quality of care they provide and to patient satisfaction rankings. If hospitals don't hit certain targets, they stand to lose 1 percent of their Medicare income.
Safety-net hospitals, separate research suggests, may have a tough time hitting the goals, because they tend to receive lower patient satisfaction ratings than competitors who treat fewer uninsured people.
"The challenge for a lot of these institutions are that they rely heavily on federal subsidies," study author David Gruber said. "Now it's like a tsunami of cuts hitting at the same time."
Researchers who have studied the safety-net hospitals echo some of the report's concerns, but note that the health law offers many benefits for these providers.
"What the Affordable Care Act really means for the hospitals is going to vary," said Teresa Coughlin, a health policy researcher at the Urban Institute. "It will depend on whether their states take the Medicaid expansion, how many people are left uninsured, and what happens with state and local funding."
Coughlin recently published a study looking at how five large safety-net systems were adapting to the health-care law. Some, she said, are building new facilities and putting a new focus on quality, so they can compete for the patients who do gain coverage under the health law.
"It's not all doom and gloom," Coughlin said.
The Obama administration has responded to some of the hospitals' concerns. In the president's budget released last week, the White House proposed delaying some of the cuts in disproportionate share payments by one year, as states continue to debate the Medicaid expansion.
Still, safety-net hospitals remain concerned over what lies ahead under the health law.
"It's a more challenging environment when you have all these issues colliding at once," said John Haupert, president of Grady Health System.
The Atlanta-based hospital system estimates that 30 percent of its patients lack insurance coverage and an additional 30 percent receive Medicaid, which tends to pay lower rates than private health plans.
When Grady ran the numbers, it found that it would lose $45 million annually under the health law's Medicaid cuts to disproportionate share payments. That works out to be about 7 percent of the hospital's $670 million budget. If those cuts go through, Haupert said, he has thought about cutting back on some of the clinical services the hospital system provides. However, many of its uninsured patients will become eligible for coverage next year.
"Clearly we're faced with lots of decisions," Haupert said. "We've done some brainstorming. None of it will be an easy decision."


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CHICAGO (AP) - Gov. Pat Quinn has banked about $4.5 million for his re-election bid.
Campaign finance reports filed late Wednesday show the Chicago Democrat raised about $1.9 million in the final quarter of last year. His biggest donations came from labor unions.
Quinn continues to benefit from not having a major challenger in the March 18 primary. That's allowed him to keep his campaign expenses down and save the money for the November general election.
Tio Hardiman of Hillside is challenging Quinn in the Democratic primary. Hardiman raised about $15,000 in the same three-month period. He finished 2013 with about $550 in his campaign account.
State Sens. Bill Brady and Kirk Dillard, businessman Bruce Rauner (ROW'-nur) and state Treasurer Dan Rutherford (ROOTH'-ur-furd) are seeking the Republican nomination.
Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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View All Calendars is the default. Choose Select a Calendar to view a specific calendar. Subscribe to calendar notifications by clicking on the Notify Me® button, and you will automatically be alerted about the latest events in our community.
Regular Board meetings are typically held the second and fourth Mondays of each month, at 6:00 PM. Some of the Board's committees meet on a regular basis, while others call meetings as necessary. Start times vary by committee.
All meetings are held at the Leidal Education Center, 207 Main Avenue West, West Fargo.
All meetings of the Board are open to the public, unless specifically noted.
The agenda and all supporting documentation for regular meetings is available online by the Thursday preceding the meeting. Agendas for committee meetings will be uploaded to this site as they become available.


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Peter I of Russia
Tsar and 1st Emperor, founder of the Russian Empire
Pyotr Alexeevich Romanov (June 9, 1672 – February 8, 1725), also known as Peter the Great, was a Russian monarch. He carried out a policy of Westernization and expansion that transformed the Tsardom of Russia into the Russian Empire, a major European power.
|This monarch article is a stub. You can help Wikiquote by expanding it.
- Alas! I have civilized my own subjects; I have conquered other nations; yet I have not been able to civilize or to conquer myself.
- Attributed in Sholto Percy and Reuben Percy, The Percy Anecdotes (1826), Vol. 1, p. 55
Подчинённый перед лицом начальствующим должен иметь вид лихой и придурковатый, дабы разумением своим не смущать начальство. (ros.) The subordinate in the face of the rulers must have a dashing and silly appearance, so as not to embarrass the authorities with his mind. (ros.)
Quotes about Peter I of RussiaEdit
- The history of the Romanovs is an Elizabethan tragedy that lasts for three centuries. Its keynote is cruelty, a barbaric, pointless kind of cruelty that has always been common in the East, but that came to Europe only recently, in the time of Hitler.
- Colin Wilson in Rasputin and the Fall of the Romanovs, p. 61-62 (1964)


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"Technology, including food biotechnology, has for many years been an important part of producing safe and affordable food for a growing world population," said IFIC Foundation President and CEO David Schmidt.
Washington, D.C. (PRWEB) June 29, 2012
In an effort to improve public understanding of modern food production, the International Food Information Council (IFIC) Foundation has released five videos featuring leading physicians in the fields of pediatrics, food allergy and obstetrics who answer frequently asked questions about food biotechnology. To view the videos, click here.
"Technology, including food biotechnology, has for many years been an important part of producing safe and affordable food for a growing world population, yet questions about certain aspects of safety and benefits remain," said IFIC Foundation President and CEO David Schmidt. "For that reason, we asked leading physicians to respond to a number of common concerns and explain why they are confident in the safety of food produced using biotechnology."
Physicians featured in the videos include:
Wesley Burks, MD, Chairman of the Department of Pediatrics at the University of North Carolina Medical School and Physician in Chief of the North Carolina Children's Hospital. Dr. Burks currently serves as the president of the American Academy of Allergy, Asthma and Immunology.
Laurie Green, MD, founding partner of the Pacific Women's OB/GYN Medical Group in San Francisco, California. Dr. Green is past president of the California Academy of Medicine and past president of the San Francisco Gynecological Society. She is a member of the Susan G. Komen Foundation Board of Directors.
Ronald Kleinman, MD, Physician in Chief of the Massachusetts General Hospital for Children, Chair of the Department of Pediatrics and Chief of the Pediatric Gastroenterology and Nutrition Unit at Massachusetts General Hospital. Dr. Kleinman also teaches Pediatrics at Harvard Medical School.
Suzanne S. Teuber, MD, professor at the University of California, Davis School of Medicine, specializes in allergy and clinical immunology with a particular interest in food allergies of all types. She is the training program director for the Allergy and Immunology Fellowship Program at UC Davis.
Earlier this month, the American Medical Association's (AMA) House of Delegates reaffirmed its support for the continued use of biotechnology in the production of safe, nutritious food. The AMA recognized the continuing validity of the foundational principles of federal regulation that in all aspects, foods produced though biotechnology present no unique hazards or risks than foods produced by other methods. The AMA also stated that "there is no scientific justification for special labeling of bioengineered foods, as a class, and that voluntary labeling is without value unless it is accompanied by focused consumer education." The AMA urged "government, industry, consumer advocacy groups, and the scientific and medical communities to educate the public and improve the availability of unbiased information and research activities on bioengineered foods." These IFIC Foundation videos are consistent with that goal.
Results of IFIC's latest survey on US consumer attitudes toward food biotechnology and additional resources can be found at the links below.
Additional Resources on Food Biotechnology:
The International Food Information Council (IFIC) 2012 "Consumer Perceptions of Food Technology & Sustainability" Survey
Questions and Answers About Food Biotechnology
The International Food Information Council Foundation is dedicated to the mission of effectively communicating science-based information on health, food safety and nutrition for the public good. The IFIC Foundation is supported primarily by the broad-based food, beverage and agricultural industries. Visit http://www.foodinsight.org


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Funny bananas: the mystery in the museum
Holt, Rinehart and Winston, 1975 - Juvenile Fiction - 79 pages
Ben's efforts to apprehend the vandal plaguing the natural history museum are complicated by a "witch" and a strange animal who seem to be haunting the museum.
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Monday, October 7, 2013
The 2013 Masters under way at Augusta National
The 2013 Masters under way at Augusta National
PGA.COM April 11, 2013 12:08 PM
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Most consider four-time Masters champion Tiger Woods the favorite to win the green jacket this week.(Getty …
By PAUL NEWBERRY, AP National Writer
AUGUSTA, Ga. (AP) -- Sixteen players have won major championships since Tiger Woods got his last one.
Yet he's the one everyone is chasing.
Woods teed off Thursday morning at the Masters as the overwhelming favorite to win his fifth green jacket. He has already won three times this year and reclaimed the No. 1 spot in the world rankings.
"I feel comfortable with every aspect of my game," Woods said. "I feel that I've improved and I've gotten more consistent, and I think the wins show that."
Playing in a group with Luke Donald and Scott Piercy on an overcast day at Augusta National, Woods parred the first three holes. Britain's David Lynn was the early leader at 4 under through 12 holes, one stroke ahead of Jim Furyk.
About three hours before Woods teed off, the tournament began with ceremonial shots from three of golf's greatest players -- 83-year-old Arnold Palmer, 77-year-old Gary Player and 73-year-old Jack Nicklaus.
Palmer was clearly pleased with his effort, which settled right in the middle of the fairway. He pumped his right fist as the crowd roared.
"The only nerves are to make sure you make contact," Nicklaus quipped. "It doesn't make a diddly-darn where it goes."
Sandy Lyle, John Peterson and amateur Nathan Smith followed the former champions to the tee, beginning their rounds under gray skies after three warm, sunny days of practice. There was a good chance of rain by late afternoon.
Woods hasn't won a major since 2008, and he has gone eight long years since his last victory at Augusta.
Clearly, the aura of invincibility is no longer there.
Woods is eager to regain it.
"Obviously, Tiger is Tiger," Piercy said. "He's always going to be that target. He knows it, and that's how he wants it. But there's a lot of people getting closer. And the golfing gods, or whatever you want to call them, have a lot to do with winning. A bounce here, a bounce there. A lip in, a lip out."
Angel Cabrera got one of those bounces off a pine tree and back into the 18th fairway in 2009 that helped him save par and win a playoff on the next hole. Sure, he was a former U.S. Open champion, but the big Argentine was No. 69 in the world that year, the lowest-ranked player to win the Masters.
The hole got in the way twice for Charl Schwartzel in 2011, once on a chip across the first green that fell for birdie, another a shot from the third fairway that dropped for eagle. He finished with four straight birdies to win.
Zach Johnson was just a normal guy from Cedar Rapids, Iowa, who would not seem to fit the profile of a Masters champion. He wasn't very long, didn't hit the ball very high and didn't go for the green in two on any of the par 5s. He won by two shots in 2007.
"The favorite is all media-driven, all public-driven," Johnson said. "There are no surprises out there. There's probably 70 or 80 guys that you would not be surprised one bit if any of them won."
Three-time Masters champion Nick Faldo didn't name them all, but his list kept growing when he talked about 20 players who could win the Masters, all from what he referred to as the second tier and described as "pretty darn good."
Justin Rose, Ian Poulter and Luke Donald. Brandt Snedeker and Bill Haas. Louis Oosthuizen and Schwartzel.
Not to mention three-time winner Phil Mickelson, defending champ Bubba Watson and former world No. 1 Rory McIlroy.
"Yes, Tiger is the favorite," Faldo said. "He's strong. He's determined. We will see. But he's going to be chased by a lot of really good players."
©2013 by STATS LLC and Associated Press.
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Jessica Chastain misses her friends after shooting to fame
Actress JESSICA CHASTAIN feels "cut off" from her friends because she has devoted so much time to her career.
The star has appeared in several box office hits in recent years, including The Help and The Tree of Life, and she hits cinemas again next month (Dec12) in her latest project Zero Dark Thirty, which chronicles the real-life search for terrorist leader Osama bin Laden, who was tracked down and killed by a U.S. Navy SEAL team in Pakistan in 2011.
Chastain plays an analyst for the Central Intelligence Agency (CIA) in the drama, and the actress admits she can relate to women who devote their lives to their jobs - because she is one of them.
She tells GQ magazine, "When I first read the script, I was blown away by this woman. The sacrifices she made and what she had to do. It's something I still get very emotional about. What happens when you live for this one goal? And then you achieve it. When your whole life has been about solving this puzzle, this mystery.
"I can relate to those aspects of being in the CIA. For the last three years, my life has been work and only work. I do miss my family. I do feel cut off from my friends. Listen, I know being in the CIA is a lot more important than being an actress, but I do feel some empathy with the loneliness: you give away yourself."


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New self tuning fuel injection system from FAST(tm) takes top new product prize at 11th Annual Hotrod & Restoration Show
FAST(tm) is constantly seeking innovative EFI solutions for street rod enthusiasts and racers alike. This effort paid off when one of their most recent developments, the EZ-EFI(tm) Self Tuning Fuel Injection System, won the Best Hot Rod/Street Rod New Product of the Year $500 & Up award at the 2009 Hotrod & Restoration Trade Show in Indianapolis, IN.
With a generation gap between street rodders, engineers at FAST(tm) set out to develop a fuel injection system that would make carb-to-EFI conversion easy for all street enthusiasts, regardless of EFI knowledge. The EZ-EFI(tm) incorporates patent-pending technology with the most advanced self tuning control strategy available anywhere. It simply hooks up, takes you through a basic setup Wizard on the included hand-held display and tunes itself as you drive.
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