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The Smartest Man in Global Capital Markets on When the Music Will Stop
A secret top source provides his outlook on equities, credit markets, Asia, and how long the current market trend will last.
Our access to the "The Smartest Man in Global Capital Markets" is through Ron Quigley, Mischler's Head of Fixed Income Syndicate and Primary Sales. Ron had a chance to speak to his source recently about where the markets are going now and over the next few months, looking into 2014. What follows is quoted directly from that conversation. Enjoy! (With thanks to Ron!)
The Outlook
So, it's mid-March 2013 and, the S&P 500 (INDEXSP:.INX) is at 1550, right where I said it would be nine months ago. Allow me to update my thoughts as to where we go from here; vastly more relevant than where we have come from:
The three major drivers of equity index valuations have been:
1. The generational low ownership structure of the asset class.
The major brokerages went into the end of FY 2012 with about 38-40% of total assets in equity-related securities; that has crept up to about 43% in the year-to-date move we have seen to the upside. This remains meaningfully below the norm for the 1980-1990s, which was estimated around 65-70%. Of course, if one subscribes to the PIMCO mantra that the equity culture is effectively "dead": (they have been wrong), then maybe nothing changes. If, however, Washington can be functional, the equity culture will continue to resurface as that's what the Fed wants.
2. The historically overvalued nature of just about all the alternatives asset classes (i.e. fixed income).
Just about every aspect of the fixed income asset class is overvalued. From IG bonds to HY, from EM to REITs, and from MLPs to Preferreds, et al; the excessive liquidity situation has effectively arbitraged yield-to-maturity to historically low levels across all these product lines. It is quite possible, arguably likely, that this situation will persist a bit longer as the Fed maintains its QE stance and effectively provides a "backstop" to valuation deterioration. One day, this will end. We will get to that.
3. Expectations of continued upward revisions to US corporate earnings that may result in more multiple expansions, so long as Fed policy remains so accommodative.
I see virtually no evidence of deteriorating US corporate earnings profiles; most companies I meet with are reasonably bullish on profits and some are beginning to even contemplate the prospects of pricing power as the consumer has remained active.
All the talk and speculation regarding a 5-15% correction has almost assuredly postponed that eventuality. What I do see evidence of around the world is the following:
- Many investment bank clients have a "bunker mentality" regarding FY 2014. They are, as a result, expediting issuance of fixed income securities and correctly focusing lots of time and effort on capital structure optimization and balance sheet strategies consistent with building in "agility" for when things get more difficult. As I said many months ago (now prevalent in the generic financial press), analogies to the 1993-1994 credit cycle boom-bust abound. Recall that the latter 1993 credit cycle was similar to today's with excess liquidity arbitraging down spreads of income-oriented products. In February 1994, Greenspan/McDonough raised the base rate by 25 basis points and unleashed The Tequila Crisis, in which we witnessed EM spreads gap wider by 300-600 basis points in a matter of a few months. Mexico was "bailed out" by the UST as capital that had previously been invested in higher yielding, peso-denominated Tesebono Securities, raced back to the USA. Recently, the highly respected Central Bank Governor of Mexico, Augustin Carstens, spoke of this in light of current market developments. No one in the world has a better "seat" to itemize all the liquidity and uninformed capital flows into that country. Just an FYI.
- Most of the Asian financial markets are flush with excess liquidity, as was the case in 1996. Recall 1997-1998. In Korea, Consumer Installment Debt (i.e. 'Household Debt" in their lingo) is now "almost" equating to 100% of annual GDP. Korean bank CEOs are cognizant of this and it does concern them. The West has married itself to the mythology that having had its crisis in 1997-1998, Asia has learned its lesson and, "things are different" this time. They are never different! The two things that always amaze me about this industry are: 1) the short term memories of investors and, 2) the rapid, almost immediate rate at which capital markets transition from a state of perceived eternal liquidity to one of no liquidity. Of course, with central bankers all racing to devalue their respective currencies in an effort to combat deflationary forces, "1994" will not occur soon. The markets, however, will not wait for a policy change to be articulated; the markets will move well in advance. I am not a conspiracy theorist, however, when the Dow Jones (INDEXDJX:.DJI) sank 250 points a few weeks ago upon release of the Fed minutes, it was clear to me that this was very contrived. Knowing that Bernanke was testifying a few days later, and that he would "set everything right," the minutes were meant to demonstrate to Capitol Hill the legitimacy of current Fed policy and, what the likely market outcome would be to the extent the Fed detoured from current policy. We will likely see more of that in the next six to nine months as the Fed tries to condition the markets for 2014. Sort of like Peter and the Wolf: If they cry wolf too many times, the markets will become more complacent and the eventual effect of real policy change may be lessened. Conclusion: There is no way the Fed can reverse course in the absence of creating significant negative distortions in both the credit cycle (first) and, equity markets (second). Watch and see.
- It merits watching the composition of the current IPOs and secondary equity markets. Lesson: income sells. Actually, it sells quite well. So many of today's equity issues are for REITs, other forms of dividend-yielding real estate companies, MLPs, and other forms of dividend-yielding energy companies, et al. When the term structure of interest rates was low in the second half of 1993, the same was the case. It was also the case in 1993 that we saw an explosion of emerging market debt new-issuance and significant increases in volumes of hybrid capital instruments (not to mention a meaningful uptick in "product innovation" related to hybrid capital issuance). Capital flows back then were into local emerging market (EM) currency funds. Regarding income, the same can be said for infrastructure assets. Yields on most infrastructure assets have compressed through 6%. During a series of meetings with the CEOs of all the Canadian pension funds, I was consistently told that in 2012 these funds analyzed approximately 150-plus infrastructure-related investments and in many cases, pulled the trigger on maybe two or three of them. Meanwhile, lots of retail monies and genuinely uninformed capital flowed into the sector. Maintaining investment discipline (I was told) was the No. 1 challenge in FY 2013. In environments like this, investors start to "rationalize" a lot. Back in 1993, we saw the emergence of emerging market global bonds for the first time...ever. How many of you remember the first of them: $1 billion Republic of Argentina 8 3/8% of 2003!
- Unlike 1994, market structure will be a problem in the next credit crisis. In 1994, there were 30-plus banks that aspired to being global liquidity providers; all these bankers looked forward to their annual meetings wtih Greenwich Research Associates to determine whom amongst them had the best bid in the worst environment -- all in the hopes of gaining market share. Today, we have seven or eight legitimate global players (at most); these institutions are also doing increasing amounts of their business with the top 50 institutional investors globally. In fact, it is the largest investors who are telling investment bank clients globally that they, in fact, are the providers of liquidity of last resort, not the investment banks themselves. Market structure is being "triangulated"; it is an increasingly top-heavy structure that's not only effectively disintermediating the middle markets, but is one that's inconsistent with securing best-in-class pricing. Additionally, if any of you had the opportunity to speak with the respective heads of credit trading, fixed income sales or, better yet, risk management, of any of these seven or eight financial institutions, what you would learn is that none of them feel any responsibility to provide liquidity in a downturn. Their respective managements are not encouraging this. When the music stops -- some time in 2014 -- there will be no chairs. In 1994, the Fed's balance sheet was near zero as well. It should not be lost on anyone that major policy shifts by the Fed on the tightening side have almost always been accompanied by 20% equity market corrections. Regrettably, we have no precedent to help quantify the added de-leveraging precipitated by a $4 trillion central bank balance sheet. If you are an optimist and therefore believe that the inevitable policy shift will take place in early 2015, then you at least have to assume that the equity markets will start to account for that by mid-2014. If you are a pessimist, you will conclude that markets will preempt historical precedent and likely begin the adjustment process well in advance of the Fed definitively articulating its exit strategy: by early 2014 (or earlier). When the music stops, there will be no chairs.
- I had a dinner recently with an esteemed group of older-generation, traditional cash players in the US high-yield markets. For the most part, they really cared about high-yield product in the "teens." High-yield today is trading south of 6%. The point: The "gap" between where fixed income asset classes are trading and where the traditional "real money" (non-high-yield) clients "care" is very large.
In conclusion, it's true that equity markets are a reasonably accurate 4-month-plus leading indicator. It is more true that credit markets are at least two to three months ahead of equity markets. Everyone needs to almost forensically analyze the global credit markets for signs of weakness; this is going on everywhere I go. However, given the Fed's remarkable, borderline Darwinian, approach to things, it is clear to me that they will prolong their theatrics throughout FY 2013. At some point in 2014, however, they will need to seriously articulate an exit strategy; this will be done in "spurts" versus any major surprise. Bernanke hates surprises; he knows Greenspan was most upset about how things played out in February 1994. This will be telegraphed so that there is no room for misinterpretation. The markets will move very, very quickly. Issuers need to "continue" to pre-fund. Near term, the S&P has hit my March-April target of 1550-plus. If one tries to "quantify" the impact of the sequester on the S&P, it amounts to only 20-25 points arguably.
I see the S&P continuing to frustrate the majority (that is what markets do). It may hit 1560-1580 prior to actually having a legitimate correction of 5-10%. There is so much liquidity awaiting deployment upon a pullback that the pullback will be quick. Later in the year, it's very likely we'll see 1600-plus on the S&P (September-November). In my view, the market will be a good sell at that point, so will many credit products. There is no way the Fed can shift its policy stance concurrent with having to immunize a $4 trillion balance sheet going into the end of a fiscal year. 2014 is likely to be challenging.
Enjoy this while it lasts.
Also see: 12 Cognitive Biases That Endanger Investors
The Smartest Man in Global Capital Markets; Commentary From July 2012:
Blackstone (NYSE:BX) has its prognosticator in Byron Wien. You'll recall his recent blog in which his trusted source forecast an end of Europe. The seer was referred to only as "The Smartest Man in Europe." Generally speaking, Wien has often quoted his brilliant, worldly, and wealthy oracle over the past decade. Unfortunately, after much digging, our only profile of Wien's source is that he is 90 years old, owns a Bentley and a private jet, and lives in one of the Cote d'Azur's three Caps, which would pinpoint him in either Cap d'Antibes, Cap d'Ail, or Saint-Jean-Cap-Ferrat. One would think that should pretty much be a giveaway, but if you know anything about the French Riviera there are many wealthy old people who would fit the bill.
Today, our intelligence comes from a very respected international banker at one of the world's largest financial institutions. We could also characterize the person as brilliant, worldly, and wealthy, but we prefer to pitch the person as much more down-to-earth, as he would want. There is certainly no hot air here, only substantive macro insights.
On QE3:
QE3 is a certainty. It will happen in August. It will be $500 to 800 billion in US Treasuries and mortgage-related securities. Effectively QE3 is the US Treasury leveraging the Fed to effectuate the greatest liability management transaction in history by buying high-coupon, long-duration US debt in lieu of issuing low-coupon, short-duration risk and thereby optimizing the capital structure of the USA. One of the world's largest private banking networks in the world ($2.3 trillion) has 40% of assets in equities versus 70% in the period from 1980 through 1997. In other words, the asset class is massively underowned.
QE3 will lower UST 2-year 0-10 bps; T5-year 50 bps and the T30 down to 1.25%. Furthermore every client with half a brain will be selling into this. Expect to see a "massive" increase in issuance of hybrid securities/perpetual bonds being planned everywhere. Equities are vastly underowned and they will, as a result, go up -- way up! The market always frustrates the majority. Everyone is currently off-sides on equities.
On China:
China has access to more policy levers to insure 8% GDP growth in Q3 and Q4 2012. The People's Republic's big issues will start in fiscal years 2013-2014. China Merchants Bank (PINK:CIHHF), for example, is already seeing a bigger rise in bad-loan provisioning and lower good-loan growth than Western equity analysts think. The CEOs of two large Brazilian companies, Vale (NYSE:VALE) and Petrobras (NYSE:PBR), are starting to plan for China to "hit a wall" in 2015-2018. Essentially, China will look OK through April 2013 then big problems will hit the country.
On the EU:
Europe will not implode. The IMF, in particular, is very well advanced regarding the Spanish banking system, almost loan by loan. The IMF has more than a $1 trillion USD-equivalent firewall versus Europe, Middle East and Africa (EMEA). Europe will not fail. The biggest concern is the arrogance and reluctance of France to distance itself from its postwar culture of entitlement. It is developing into a huge issue at the highest levels of government. Despite that, however, the realities of "globalization" indicate that a transparent public barrage of verbal attacks between Paris and Berlin are a pre-condition to Europe righting itself. Recently on a high-level trip with the Italian Finance Ministry and the country's largest companies, including intensive meetings with over a dozen CEOs, it became obvious that every single company is not standing still. Meetings were to advise on many multiple cross-border acquisitions. There's lots of capital formation among the Italian small/mid-cap corporations and this all translates into good stuff.
In conclusion, The Smartest Man in Global Capital Markets said the following: "I hate nominal yields; be careful of commodities despite QE3; gold could go higher, but briefly; I love the USA; sell Brazil; China will be OK but only through April 2013. In terms of Asia, I am negative on India and Indonesia. I like Vietnam, Myanmar, Sri Lanka, and the Philippines."
One added sound bite from my interview with The Smartest Person in Global Capital Markets: Not all but most of the talking heads on TV have no idea what the hell they're talking about. And that's no BS.
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Ted Nugent: Discovery Channel Special Will Advance My View In "Culture War"
Blog ››› ››› MATT GERTZ & TIMOTHY JOHNSON
The Discovery Channel will be providing Ted Nugent with a platform to help him fight the "culture war" when it features him in a special this week, the controversial National Rifle Association board member and Washington Times columnist said in a recent interview.
Nugent has a lengthy history of making violent, inflammatory, and offensive remarks against women, the LGBT community, and racial and religious minorities. Earlier this year, he told attendees at the NRA's annual meeting that he would "be dead or in jail by this time next year" if Barack Obama was reelected president, which prompted scrutiny from the Secret Service.
But none of that stopped the Discovery Channel from contacting him to star in its programming, as Nugent detailed in an interview with NRA News. Discovery is promoting the October 10 special, Ted Nugent's Gun Country, as "an inside look at American gun culture through the eyes of" Nugent.
Speaking with Cam Edwards, Nugent explained how he hopes to use that platform as an opportunity to promote his position in the "culture war":
NUGENT: Cam, you know you and I have known each other a long time, I really have always celebrated and promoted the Second Amendment, all things guns, the good, the perfection, the good over evil that guns provide, the joys, the discipline, the marksmanship discipline, and the fact that the American Dream became available because brave patriots stood up with guns and fought the Evil Empire. So what we did with the Discovery Channel, they contacted me and went, "You know, if we are going to produce gun shows shouldn't we do it with this Nugent guy?"
EDWARDS: [laughter]
NUGENT: "Because even his guitars are ballistically coefficient." I celebrate this every day of my life. I do media literally 300-plus days a year. Even during the hunting season I'm available between 11 and 1 pm because I really believe during this culture war we have talked about many times--
EDWARDS: Mm hmm.
NUGENT: --that it's imperative that those of us who cherish and believe and demand freedom, that we use every resource we have that we can cultivate and maximize to promote and celebrate all things Second Amendment and the perfection of gun ownership. So the Discovery Channel has some really wise souls there and they contacted me and said, "How would you like to do a TV show called Ted Nugent's Gun Country?" And I went, "I'm already doing it. You might as well start recording it."
Later in the interview, Nugent stated, "I believe if you hate the NRA, if you hate guns, if you hate Ted Nugent, then you clearly hate America. And I have never apologized, I've never defended -- there is nothing to defend -- but in this culture war we do sometimes have to explain ourselves."
Nugent's "culture war" positions are often extremely controversial. Earlier this year Nugent wrote that he is "beginning to wonder if it would have been best had the South won the Civil War." He has also urged his readers to "[e]xpose, isolate and eliminate liberals and their fuzzy-headed policies" and called the Democratic Party the "modern-day slave master" to low-income Americans.
In a promotional video for Ted Nugent's Gun Country, Nugent calls himself "the biggest gun nut of all" and is seen firing an assortment of high-powered weapons, including a hand-crank operated Gatling gun. According to a press release about the show, Nugent will also hunt a scimitar-horned oryx, an animal that is extinct in the wild.
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National Library Week 2014 - Proclamation
WHEREAS, libraries help lives change in their communities, campuses and schools;
WHEREAS; librarians work to meet the changing needs of their communities, including providing resources for everyone and bringing services outside of library walls;
WHEREAS, libraries and librarians bring together community members to enrich and shape the community and address local issues;
WHEREAS, librarians are trained, tech-savvy professionals, providing technology training and access to downloadable content like e-books;
WHEREAS, libraries offer programs to meet community needs, providing residents with resume writing classes, 24/7 homework help and financial planning services to teens applying for student loans to older adults planning their retirement;
WHEREAS, libraries continuously grow and evolve in how they provide for the needs of every member of their communities;
WHEREAS, libraries, librarians, library workers and supporters across America are celebrating National Library Week.
NOW, THEREFORE, be it resolved that I (name, title of official) proclaim National Library Week, April 13-19, 2014. I encourage all residents to visit the library this week to take advantage of the wonderful library resources available @ your library. Lives change @ your library.


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Hope College women�s basketball player Megan Kelley has earned Capital One NCAA Division III Academic All-District Honors from the College Sports Information Directors of America.
The senior from Rockford is now eligible for CoSIDA�s Capital One Academic All-American consideration.
Kelley is pursuing at Hope at major in Mathematics Education � Secondary and a minor of Health Education. She carries a 4.0 grade point average and is averaging close to 11 points per game.
Boys swimming
West Ottawa 176, Grandville 130
Tabahn Afrik won the 50-yard freestyle (21.19 seconds) and the 100 freestyle (46.33) to lead the Panthers, No. 5 in Division 1, to the OK Red win.
Kyle Maas won the 200 individual medley (1:59.9) and the 100 butterfly (55.15). Carl Spencer won the 200 freestyle (1:52.4) and the 100 backstroke (57.17).
Collin DeShaw won diving (236.55 points). Blake Wheeler won the 500 freestyle (4:58.71). Caleb Irvin won the 100 breaststroke (1:04.98).
Grand Rapids Christian 103, Holland 82
The Dutch, ranked No. 10 in Division 2, lost to the No. 8 team in Division 3 despite winning nine of the 12 events.
Thomas Rathbun won the 200 freestyle (1:44.08) and the 100 backstroke (52.57).
Blaine Libby won the 50 freestyle (23.27). Austin Rahn won the 100 freestyle (51.81). Erick Ramirez won diving (190.6 points). Peter Woudenberg won the 100 butterfly (59.69). Andrew Horgan won the 100 breaststroke (1:06.21).
Hamilton 58, Holland 24
Hamilton's Trenton Holyfield defeated Holland's Anton Garcia in an 18-2 decision at 152 pounds.
Hamilton's Logan Welcher pinned Matt Dominguez in 1:14 at 125 pounds. Hamilton's Jeremy Parkhurst pinned Nate Howe in 2:57 at 145. Hamilton's Will Duimstra pinned Joseph Rivera in 3 minutes at 160. Hamilton's Drew Boerman pinned Mike Visscher in 3:17 at 215. Hamilton's Corey Hassevoort pinned Sam Ferris in 3:08 at 285.
Holland's Eduardo Gomez pinned Brett Babler in 41 seconds at 112. Holland's Steven Alvarez pinned Jacob Arnold in 43 seconds at 130. Holland's Paul Bentancourt pinned Caleb Dreisenga in 5:05 at 140.
Men's basketball
Grand Valley St. 88, Saginaw Valley St. 76
Ryan Sabin scored 20 points to lead five Lakers in double figures.
Rob Woodson scored 16, Trevin Alexander added 13, while Darren Washington and Darren Kapustka each added 10 for the Lakers (12-4, 8-4 GLIAC).
Women's basketball
Saginaw Valley St. 91, Grand Valley St. 79
Despite shooting 57.6 percent from the field in the second half, the Lakers' comeback came up just short.
Kat LaPrairie scored 20 points on 7-of-13 shooting and knocked down four 3-pointers. Dani Crandall added 18 points, while Taylor Lutz finished with 13 points for the Lakers (9-8, 7-6 GLIAC).
Capotosto scores 10 in loss
Toledo's Ana Capotosto scored 10 points but the Rockets lost 82-62 to Akron on Thursday.
The Saugatuck native also grabbed eight rebounds.
Men's lacrosse
Hope picked fourth in poll
The Hope College men�s lacrosse team has finished fourth in the preseason Michigan Intercollegiate Athletic Association coaches poll.
Coach Michael Schanhals� Flying Dutchmen received 21 points for fourth place in the seven-team poll. Reigning MIAA champion Adrian College topped the poll with six points and all possible six first-place votes.
Area rewind: Hope's Kelley honored; GVSU hoops splits; Hamilton wrestling tops Holland
Hope College women�s basketball player Megan Kelley has earned Capital One NCAA Division III Academic All-District Honors from the College Sports Information Directors of America.


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'"Their two physical players were out of the game. Maybe if we were all in, maybe the other guys could have played hockey and we could have taken care of it," said Boulton, who also faulted the officials for losing control of the game early. "It was just a rough game. That's what hockey's about. Sometimes it gets a little out of hand, but it's the refs' job to keep it intact."'
You are here: Home / SabresBeat / Varada, Gilmour sit out one-game suspensions


text: In his dual role of Sales Manager/Business Development at JobsinNC.com, if Jeremy Haskell isn't busy developing new business partnerships and product initiatives, he's developing sales people. Working with companies, he advises them on recruiting strategies that result in reduced turnover and increased productivity. He holds a degree in psychology from Syracuse University and previously worked as a recruiter for Robert Half International. Jeremy is the recipient of many recognition awards and has developed and facilitated the company's peer mentoring program.


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Sept. 18, 2010
NORTH DARTMOUTH, MA-The University of Massachusetts Dartmouth's men's cross country team finished fifth out of 36 teams and the women were 12th in a 39-team field at the annual UMass Dartmouth Invitational at the UMD Athletic Complex on Shrine Day Saturday.
The Corsair men scored 199 points, one behind sixth-place Springfield and 14 ahead of seventh-place Salisbury. Keene State was first with 73 points. The UMD women scored 378 points, four in back of 11th-place Salve Regina, and 35 in front of 13th-place Springfield. Wellesley was first with 41 points.
Senior Nick Santoro (Shrewsbury, MA/St. John's HS) of the Corsairs finished 21st in the men's race in 25:21, senior Derek Stevens (Swampscott, MA/Swampscott) finished 30th in 25:34, junior Kevin Gilmore (Hanson, MA/Whitman-Hanson HS) was 35th in 25:41, senior Eric Nygaard (Medway, MA/Medway HS) was 53rd in 26:09, junior Steve Burke (Norwell, MA/Norwell HS) was 75th in 26:34, freshman Cody Gibney (New Bedford, MA/Greater New Bedford Vo Tech HS) finished 152nd in 28"20, and freshman Steve Dowsett (Pittsfield, MA/Pittsfield HS) finished 189th in 29:29.
For the women, freshman Dekontee Chea (Chelmsford, MA/Chelmsford HS) finished 21st in 18:50, junior Meaghan Bohigian (Barre, MA/Quabbin Regional HS) was 37th in 19:22, junior Courtney Testa (Hopkinton, MA/Hopkinton) finished 68th in 20:00, freshman Brittany Lyons (South Yarmouth, MA/Dennis-Yarmouth HS) finished 135th in 20:53, freshman Kelci Sullivan (Hanson, MA/Whitman-Hanson HS) finished 145th in 21:00, junior Megan Oliveira (Somerset, MA/Somerset HS) was 157th in 21:11, junior Stacey Dybel (Littleton, MA/Notre Dame Academy) was 180th in 21:34, and senior Katie Galindo (Melrose, MA/Stoneham) finished 244th in 23:58.
Men's sub-varsity finishers included junior Jeff Keys (Scituate, MA/Scituate HS), who was 105th in 29:05, senior Wes Meserve (Merrimack, MA/Merrimack HS) was 106th in 29:05, junior Kevin Cordaro (Whitman, MA/Whitman) was 140th in 26:50, and freshman Chris Jordan (Taunton, MA/Taunton HS) was 151st in 30:17.
"Both teams did well," said UMass Dartmouth Head Coach Jon Hird. "We had topflight competition this week, and we rose to the challenge. We had a great top three effort from our men, with Nick Santoro, Derek Stevens and Kevin Gilmore, but our fourth and fifth guys, Eric Nygaard and Steve Burke, are getting closer to our top three. Nick now has the ninth best mark on our course, Derek moved up to 11th and Kevin is now 13th."
"For the women, Dekontee had one of the races of the day, as did Megan Bohigian," Hird continued. "Dekontee moved up to seventh on our all-time list, and Megan is now 20th and ran one of the best races of her career at UMass Dartmouth. Brittany Lyons ran faster than she did last week, Kelci Sullivan continues to improve, and Courtney Testa, whose goal was to break 20 minutes, ran exactly 20 minutes. The women did a good job moving up, and made a significant improvement this year."
The Corsairs will return to action when they travel to the Codfish Bowl at Franklin Park in Boston next Saturday.


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In this paper, in the Formula at the beginning of 2.2, we have
$i=0,1$ - the number of probability formula
$O_t$ - the state at moment $t$
$b_i(O_t)$ - two probabilities or estimations for the state $O_t$
The result ($B$) is named "likelihood". How can likelihood be obtained from 2 numbers? Is this a weighted average like
$b_i(O_t)= 0*b_0(O_t) + 1*b_1(O_t)$
$b_i(O_t)= -1*b_0(O_t) + 1*b_1(O_t)$
or something?


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CHARLESTON - The state of West Virginia has more than 3,500 unclaimed Civil War medals, according to Greg Carroll, historian for the state Division of Culture and History.
Medals include 75 for the black soldiers in the 45th U.S. Infantry.
"We are always looking to get the word out about them," Carroll said.
Article Photos
In 1866, West Virginia issued about 26,0000 bronze Civil War medals for Union soldiers. The medals commissioned by Gov. Arthur Boreman were divided into three classes: Class I, for honorable discharges; Class II for killed in action; and Class III for liberty, awarded to soldiers who perished as a result of disease or wounds received in battle.
No medals were made for Confederate soldiers.
Carroll said the medals are worth from $400 to more than $1,000.
Individuals interested in researching a potential claim on a medal can go to the archives website (www.wvculture.org/history/ medals.html) and view the list.
"They are in alphabetical order, very easy to look at," Carroll said. "If they had a member of the family on the Union side, they can look it up and see if they want to apply."
The application fee is $50, Carroll said.


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Borrowers' access to mortgage credit is the greatest in at least three years, and standards may continue to loosen in 2014 from stringent post-crisis criteria as banks adjust to new rules and look to pump up home-loan revenue, experts said Wednesday.
A gauge that tracks mortgage-credit availability ticked up to 114 in March -- the highest reading in the series's three-year history -- from 113.5 in the prior month, according to the Mortgage Bankers Association. For context, MBA set the gauge to equal 100 in March 2012.
Despite recent gains, March's credit-gauge reading is far below MBA's estimate for a level of about 800 in 2007.
"I don't think there's any question that mortgage underwriting has gotten easier or is looser than it was two or three years ago, but it's nowhere near where it was in 2005, 2006," said Guy Cecala, publisher of the trade publication Inside Mortgage Finance. "We are talking about easing from extremely tight underwriting standards."
Of note, not all buyers are equally benefiting from greater mortgage-credit availability. Many lenders are increasingly providing credit to borrowers who want jumbo loans. Jumbo loans are for greater amounts than the maximum that can be backed by federally controlled mortgage-giants Fannie Mae and Freddie Mac . It's typically tougher to qualify for jumbos than other mortgages.
"Lenders are likely moving to create a broader range of jumbo products in order to capture the increasing demand for such financing in the market," according to MBA.
It's clear that buyers of greater means are having an easier time in this housing market. Annual sales of existing single-family homes between $500,000 and $750,000 recently rose 6.4%, while sales of homes that cost between $750,000 and $1 million rose 13%, according to the National Association of Realtors. Meanwhile, annual sales for properties up to $250,000, which make up the lion's share of the market, dropped more than 7%.
An increase in mortgage-credit availability comes at an opportune time for a housing market that has suffered from an unusually harsh winter and rising mortgage rates. Some buyers are acclimating to the new pricier housing environment, which has seen rates rising since May and prices running higher. In February, applications for loans to purchase a home were down as much as 30% from a May peak, but that gap narrowed in recent weeks, and now the gauge is down 18% from May, according to MBA.
There's been concern that new mortgage rules for lenders and borrowers in 2014 would cut credit access, especially for lower-income borrowers. Indeed, this year's annual real-estate-lending report from the American Bankers Association showed that 80% of respondents expect new regulations to "have a measurable reduction in credit availability." However, Bob Davis, an executive vice president at ABA, said standards may thaw once lenders become more comfortable with new rules.
"There will be a tendency for some liberalization over the course of the year," Davis said.
Data signal that certain banks have already somewhat loosened standards. According to the Federal Reserve's senior loan officer survey, 16.7% of large banks recently eased credit standards for prime purchase mortgages, while 5.6% tightened, and the rest left standards unchanged. Banks, which saw refinancing applications plunge last year as rates rose, are looking to make up that revenue elsewhere.
--Ruth Mantell
Follow Ruth on Twitter @RuthMantell.
Follow the Capitol Report blog on Twitter @CapitolReport.
Check out these Capitol Report posts:
Fannie, Freddie shareholder events 'soften ground' for claims in next Congress, analyst says
Signs of life in House for unemployment-aid extension, and more must-reads


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Your spectator always chooses the Queen with a different color back!
You show an envelope containing four cards, the four Queens. Your spectator names any one of the four Queens. When the four cards are removed from the envelope and fanned out, the selected Queen is found face up between the other three Queens, which are face down. Best of all, when the selected Queen is turned over, it is the only Queen with a different color back! Wow!
An easy to perform packet (small pack of cards) trick. Includes all cards needed plus color instructions. Matches Bicycle decks.
This trick also comes in STAGE SIZE. See Jumbo Dream Queen.
And that's all you need!
Because these are Bicycle backed cards, they can be secretly added to the top of a regular deck of Bicycle brand cards and worked from the top of the deck, making it even more startling.
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LONDON, July 8 (UPI) -- The first child of Britain's Prince William and his wife Kate will be known as the prince or princess of Cambridge, Buckingham Palace said Monday.
The baby, who is due to be born this month, will be the first person to ever hold this particular title.
The royal couple's official titles are the duke and duchess of Cambridge.
Prince William is the elder son of Prince Charles and his late ex-wife Princess Diana, and the grandson of Queen Elizabeth II.


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From the manufacturer's Label
NOW® PHASE 2® helps you achieve dietary management objectives without the use of stimulants or laxatives. PHASE 2® is an all-natural bean extract that has been shown in non-clinical studies to help reduce the breakdown and absorption of complex carbohydrates, by limiting the action of alpha-amylase, a digestive enzyme. Alpha-amylase helps break down dietary starches into glucose so that they can be absorbed by the digestive tract. With less alpha-amylase activity, there may be less excess glucose available to convert into fat and store as adipose tissue.**


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Said By Wildcat22Well Aron, although it hasn't been confirmed, it will probably use the same engine as Vice City and GTA3. Just tweaked a little bit. This is however the last GTA on the PS2, then they will begin working on one for the PS3.
Said By shadupshadupI actually never experienced any frame rate problems with either games.
Said By The SamAnyways, guess what?!!!?!?! I'm seeing The Offspring on April 28th! I'm so excited! Are you going to see them any time this year or have you already seen them?
Have fun! Layters!


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Thirteen members of the Peninsula Youth Sports Program did their job recently at the AAU West Coast Junior Olympic Games in Reno, Nev. All 13 earned a trip to the National Junior Olympics track and field competition in New Orleans, set for July 31-Aug. 6.
That was the easy part. Now comes the tough part. The team is in jeopardy of not attending due to lack of funding.
The East Palo Alto-based track and field club is in the process of trying to raise $18,000 to pay for expenses for all 13 athletes and their chaperones.
"If the money isn't raised, then many of our athletes won't be able to go," said Lerisa Puckett, a team mom who registers the athletes for each meet and who is spearheading the fundraising drive.
The track club, in its fourth year, is a nonprofit organization that promotes after-school programs as a positive resource for the underserved youth on the Peninsula. The club's outreach efforts focus on the youth from East Palo Alto and East Menlo Park, who attend the Ravenswood City School District.
"The state and federal programs for schools and after-school activities that help with the development of youth have been cut deeply," said Puckett. "Keeping our children off the streets and participating in activities that build character, ethics and morals is the mission of this track club.
"This is an extremely rigorous task, as the crime rate in the neighborhoods that these kids play, indirectly affect their psyche. The reward of making it to the nationals and actually attending them keep these kids on the right path to success. Part of their pride comes from representing their families, neighborhoods and the entire Bay Area."
Club members advancing from the qualifying event earlier this month in Reno included Keyshawn Ashford (Sub-Midget), Mekhi Blackmon (Midget), Kevin Lagarde (Primary), Denise Stine (Sub-Bantam), Emma Chiao (Sub-Midget), LaJon Harris (Sub-Midget), Justin Chiao (Sub-Bantam), Makiya Francis (Intermediate), Dejeane Stine (Midget), Jailah Francis (Midget), a girls' 400 relay team (Midget) of Jailah Francis, Taevia Vauss, Niyha Brooks and Stine, plus a boys' 400 relay team (Midget) of Floyd Gazaway, Ashford, Harris and Blackmon.
Ashford was first in the 200 (28.20) and second in the 100 (13.63); Blackmon was sixth in the 100 (13.75) and seventh in the 200 (28.01); Lagarde was fifth in the 400 (1:24.00) and eighth in the 200 (32.58); Denise Stine was second in the shot put (18-1) and fourth in the 400 (1:22.16); Dejeane Stine was ninth in the 400 (1:11.77); Emma Chiao was second in the 800 (3:01.17); Harris was seventh in the 100 (15.71) and 200 (33.31); Justin Chiao was sixth in the fifth in the 800 (3:01.17) and sixth in the 400 (1:14.99); Makiya Francis was fourth in the long jump (15-9 1/2); Jailah Francis was third in the shot put (20-4); while the girls' relay finished second in 56.92 and the boys were third in 55.79.
The team is coached by Michael Davidson.
For those interested in helping defray the club's $18,000 travel expenses, tax-deductible donation can be made at the club's website at www.pysports.org. For more information, contact Lerisa Puckett at (650) 468-3115.


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Get the highest value for your cable investment with our Cat 6 cables, each one manufactured using high-quality copper conductors. Ensure high-performance capability for your demanding Ethernet applications, such as Power-over-Ethernet, using cables that include 24 AWG copper. Rely on our RJ45 connectors to deliver optimum conductivity while eliminating signal loss due to oxidation or corrosion.
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Only one more week to go until Christmas! I am officially done with all of my holiday shopping as of about 4 p.m. today. I only had a few more things on my list to get, and it feels great to be done. What about all of you? Is it a wrap? Or are you procrastinating for a few more days? If so, here are a few more distractions from us to you!
NARS 413 Bleecker Larger than Life Lip Gloss is one hawt red. Available online or at the flagship boutique at 413 Bleecker in New York. Feels very festive, no? [NARSCosmetics]
Orange you excited for Pantone's 2012 Color of the Year, Tangerine Tango? It looks like it will be everywhere come spring, in fashion and beauty. To get in on the trend now, try BUTTER London Jaffa. [The Wall Street Journal]
Katy Perry launched her second fragrance, Meow! by Katy Perry, at The Grove in Los Angeles earlier this week. Available exclusively at Nordstrom.
10 White Elephant Gifts to keep! [Refinery29]
Is it too late to add this Kate Spade Rosa Satchel to my Christmas wish list? That patent bow is calling to me! [Nordstrom]
Still looking for a stocking stuffer or two? We love this little set from Fresh! And…only $10. [Sephora]


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Cannabis recipes and ideas for cooking with cannabis/marijuana.
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When a bizarre criminal endangers his Aunt May, Peter Parker is determined to bring him to justice. But who is this strange, faceless felon? How can Spider-Man stop a guy who can slip through his webbing? And, hey, what's Pete's pal Joe Robertson been up to? New York Times best selling author and veteran Spider-writer Roger Stern and artist Lee Weeks (SPIDER-MAN: DEATH & DESTINY, CAPTAIN MARVEL) join forces to tell the story we could only call "Fill in the Blank!" Honest!
Turok #4


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'Reclaiming The F Word' Book Released
Just a quick post to say HURRAY! for the release of new book Reclaiming The F Word. I went along to the release party last night and had an absolutely fantastic time celebrating the book and celebrating the (very vibrant and very much alive!) UK feminist movement with plenty of other feminists who were in attendance, filling up the rather swanky surroundings of The University Women's Club.
Co-written by Kristen Aune (who co-founded the London Third Wave group) and Catherine Redfern (founder of the brilliant feminist site The F-Word), Reclaiming The F Word 'reveals the seven vital issues at stake for today's feminists, unveils the beginnings of a fresh and diverse wave of feminism, and calls a new generation back to action.'
The release of this book follows on from Natasha Walter's Living Dolls and Kat Banyard's The Equality Illusion, released earlier this year – showing that 2010 is a great year for British feminist publications!
I've already begun reading the book (I just couldn't wait to get started!) and I have already found it inspiring (the first chapter on Liberated Bodies has already sparked plenty of ideas for blog posts!), illuminating and positive. Something I have really enjoyed so far is how the book doesn't ever wallow in all the depressing effects the Patriarchy has on society (which would be pretty damn easy to do). Instead, Reclaiming The F Word is structured around the raising of feminist concerns, explains them clearly, and then goes on to tell the reader what feminists are already doing to counter these things. It even has a handy little 'Take Action' box-out at the end of each chapter so that readers can get involved in activism, if they feel so inclined.
I also love how it is the voices of today's self-defined feminists that create the back-bone of the book. For Reclaiming The F Word nearly 1,300 British feminists were surveyed, and it is their voices – so vital and so current – that are invoked to back up the points that are made within its pages. Add to that a sprinkling of quotes from zines, blogs and even pop-songs and this book becomes more of an inclusive portrayal of a whole movement, rather than a stale and sterile observation made from the outside looking in. It's very much saying to readers; 'Come on in, the water's lovely!'
Co-author, Catherine Redfern, has given a really insightful interview about the book to grassrootsfeminism.net which you must read here… and here's the place to head to straight after to snap up your copy!By: Sarah Barnes, 04.06.2010 | Comments (0)
Tagged: Catherine Redfern, Feminism, Kristen Aune, London Third Wave, Reclaiming The F Word, The F Word


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- Employer
- HCA Healthcare
- Location
- Glendale, Colorado
- Salary
- Competitive Salary
- Posted
- Jan 13, 2018
- Closes
- Apr 13, 2018
- Ref
- 06464-68892
- Specialty
- Med / Surg
- Contract Type
- Permanent
The HCA Physician Services Group (PSG) is the physician and practice management solution for the Hospital Corporation of America (HCA). PSG operates more than 800 practices, 78 urgent care clinics, and partners with HCAs 165 hospitals to structure employed provider programs, professional service agreements, and joint ventures that offer the communities we serve high quality, cost effective care. We manage a collection of highly motivated healthcare professionals and innovative leaders who are committed to excellence in every aspect of their career.
We offer an excellent benefits package, competitive salary and growth opportunities. Join our team and share your skills and talents with the nation's largest private provider of healthcare services.
The Licensed Practical Nurse is a key member of the Physician Practice and provides clinical and administrative expertise to ensure all patients receive high quality, efficient care. Assist physicians in performing nurse procedures for the comfort and well being of patients. Interview patients and take medical history, give injections, complete lab and x-ray requests, keep charts current, and screen calls within physician guidelines. Administer prescribed medications and simple treatment as directed by physician or mid-level practitioner.
· Provide overall support for Physicians and office operations.
· Recording health history of patient and noting abnormal conditions for physician.
· Instructing patients on collection of any necessary samples and tests.
· Obtaining vital signs and escorting patients to rooms.
· Giving injections, administering prescribed medications as directed by physician and in accordance with nursing standards.
· Observing, recording, and reporting patient's condition and reaction to drugs and treatments to physicians.
· Ensuring that patient chart entries are made accurately and in a timely matter and forwarding charts as appropriate.
· Maintaining patient files, records, and other information.
· Assisting with scheduling of tests and treatments.
· Arranging referrals to a specialist and obtaining pre-authorizations when directed to by the provider.
· Prepares exam and treatment rooms with necessary instruments.
· Gives injections and assists with lab testing and Phlebotomy.
· Prepares and maintains supplies and equipment for treatments, including sterilization.
· Assists physicians in preparing for minor surgeries and physicals.


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Basic Member
Company Description
Our firm is wholesale stockist n trading firm deals in kraftpaper roll specially in odd gsm. likewise 80 gsm in every bf n 250-300 gsm in golden yellow shade n natural shades in high bf. so if anyone requires or intersted feel free to contact us.
Products / Services
80 gsm
high bf golden yellow n natureal shade
stock lot various sizes
Sales & Trading Details
|Annual Sales
|Between 1 to 5 million US dollars
It's free and easy.
Basic Member
Vishal Shah
Director, Vishal Agencies
Member Since: Feb 2011
- This profile was recently viewed by visitors from United States, Nigeria, France, Germany and Russia.
|Address Line1
|12, Rajhans, first floor,
|Address Line2
|4 cross rd. gidc
|ZIP or Postal Code
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Morbi, India
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Millenium Papers Pvt. Ltd., a unit of Koradiya Group of Companies, is a manufacturer, supplier, and exporter of high-quality coated duplex board and paper Kraft paper, Corrugated paper, Fluting paper, medium paper of various GSM & Grades, manufactured in a state-of-the-art facility located at Morbi, Gujarat. Our all types of paper are made from 100% recycled fiber using a manufacturing process free of chlorine, chlorine derivatives or any other potentially harmful chemicals. Being a highly customer-centric organization, customer satisfaction is the core pursuit and to abide by it we ensure all the necessary steps are taken to produce high-quality paper. GRADES PRODUCED: 1. COATED DUPLEX BOARD / REEL: LWC Premium 180 to 450 GSM (Grey Back / White Back) HWC Premium 180 to 500 GSM (Grey Back / White Back) OUR CAPABILITIES (Duplex Board) Installed Capacity: 225 TPD. Production: 200TPD Raw Material: 100% waste paper Machine Deckle: 128" (325 cm). Delivery Time: 8-10 Days GSM Range: 180 to 450 Packing - depends on client requirement 2. KRAFT PAPER / CORRUGATED PAPER / FLUTING PAPER / MEDIUM PAPER We can manufacture this kind of paper with different GSM (110 to 350) & BF (16 to 30) as per customer requirement. It is commonly used for packaging, shopping, handbags, product wrapping, art paper & many other applications. SPECIFICATIONS: 1. Grammage: 110gsm-350gsm 2. High bursting strength and central pressure index (BF-16 to 30) 3. The paper smooth and clean. Don't have wrinkles, holes, sand, etc so as not to affect the pressure plate quality. 4. Hot press has good elasticity, high smoothness, improve the bonding quality and improve product yield. 5. Heat transfer performance stable, even without fluctuation, moderate heat transfer rate. OUR CAPABILITIES (Kraft paper) Installed Capacity: 225 TPD. Production: 200TPD Raw Material: 100% waste paper Machine Deckle: 150" (3850cm). Delivery Time: 8-10 Days GSM Range: 110 to 350 BF -16 to 30 Packing - depends on client requirement At MilleniumPaper, we manufacture only eco-friendly products which are comparable to the International standards. We are aware how important it is to save our planet from the effect of global warming and deforestation and build a clean, green eco-friendly environment. We focus on the four R's of Environmental Stewardship: Recycle, Reuse, Reduce & Respect. If you need a high-quality coated duplex board and Kraft paper, just send us your inquiry. One of us from our sales team will be in touch with you soon.View Profile
Venkraft Paper Mills (P) Ltd.
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Venkraft Paper Mills operates 2 units near Bengaluru, India with a total capacity exceeding 1,00,000 tons per annum. UNIT 1: 200 TPD Kraft Paper (80 to 200 gsm) (12 to 28 BF) Fluting Media, Test Liner Semi Sack Kraft / Wrapping Paper Absorbent Kraft UNIT 2: 300 TPD Coated Duplex Board (180 to 450 gsm) Uncoated Duplex Board (150 to 400 gsm) Grey Back / Kraft Back / White Back Cup Stock Grey Chip Board Rigid BoardView Profile
Enlightening Group
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ENLIGHTENING GROUP is a group of companies engaged in contract manufacturing and exporting of best quality papers, based in the heart of paper manufacturing hub Morbi, India. Apart, we are an associate partner and stakeholders in other paper mills across country. TIMELY DELIVERY & PROVIDING THE BEST QUALITY OF MATERIALS DIRECTLY TO END USERS is one of the key strengths of ENLIGHTENING GROUP. Owing contract manufacturing facilities enables us to export the same globally direct to actual or end user without involvement of domestic suppliers or agents. This helps the actual buyer or end user to procure the right quality product at the actual price, which helps our clients to compete well with other competitors in the market. We pass on the benefits to our clients by eliminating the involvement of agents, indenters, brokers, mediators. We carved ourselves a niche and unique in one of the segments of paper industry by entertaining and fulfilling the huge quantity of orders of our esteemed buyers based in China, Vietnam, Nigeria, Sri Lanka, Middle East, Afghanistan, Uzbekistan. We have a team of experts in formulating exact replica to the client's drawing of the required product, thus helps our valued clients to provide their required quality products with their desired brand / logo. Our contract manufacturing units are equipped with the state-of-the-art Valmet system and L&W lab testing facilities. We export as below : Kraft Paper (BF ranges from 12 to 40 BF // GSM ranges from 80 to 320 GSM) White Top Kraft Liner (Coated & Uncoated kraft board) Duplex paper board Duplex board with Grey back (C1S) (200 to 500 GSM, REELS or in SHEETS – In case of sheets Minimum size : 550 MM X 500 MM, Maximum Size : 1400 MM X 1450 MM, MOQ each GSM/SIZE = 5 TONS) Duplex board with White back (C2S) (200 to 500 GSM, REELS or in SHEETS – In case of sheets Minimum size : 550 MM X 500 MM, Maximum Size : 1400 MM X 1450 MM, MOQ each GSM/SIZE = 5 TONS) Fluting paper Testliner Folding Box Board (FBB) Waste paper, OCC Waste paper A4 / A5 / A3 - Copier paper Tissue papersView Profile


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I don't spend every day in angst over the state of the world's finances, and about unknown factors that could directly, or indirectly affect our family. I can't worry about things that I am powerless to control, (took me a while to get here, huh?). I do however have a heightened awareness as most of you do, that things are rocky and it seems prudent to take stock, pull our horns in and make wise choices that will improve our personal financial foundation.
As the holder of the purse strings, it falls to me to manage our household finances and I have recently taken steps to reduce our spending. My biggest success so far has been in reducing our grocery expenditure and our phone bill. I am couponing and learning from these wonderful sites and from local friends whom I've adopted as coupon mentors (they don't seem to mind!). I am enjoying pretty impressive savings, and get a real buzz in the process. We have also switched our phone service from a traditional phone company, to a Voice Over Internet Protocol (VOIP) provider and are saving around 75% on our phone bill, which is great considering the transatlantic phone calls we make.
My main reason for doing this was so that we can finish paying off my car and crank up our savings. In January our plans took a set back with the announcement from my husband's employer that all employees were subject to a pay cut. This was not entirely unforeseen since it's been clear that business is way down these days, but hard to take all the same.
After a day or so of figuring out what this pay cut would mean, and an overall assessment that we are lucky that my husband's job is secure (for now), we are grateful for what we have and for the fact that our frugal measures would stand to us with a reduced income.
While counting our blessings, we are acutely aware that so many people are not so lucky. As each day brings more stories of homeless families, desperate people taking drastic and desperate measures, some with devastating results my conscience is pricked ever more, what should I be doing, what can I do?
I have written about this kind of thing before, and have received great encouragement from others, especially from Jen at One Plus Two - but of course, excuses come up, busy life with my two kids, and focusing on what we need first... After an initial flurry of determination - beyond small financial contributions, my efforts to help are not what they could be.
I hear news stories about food banks running low on donations, about thrift stores seeing increased numbers of customers, and simultaneously receiving less in terms of donated merchandise.
And, I struggle. I feel like we're doing what we can to protect our family - and yet, knowing that we have so much more than other families, I feel selfish for taking measures that effectively leave me less to give. I feel guilty that this is what is happening in many homes across the country and is what is causing the shortages in the food banks etc.
My coupon clipping of late has opened up an opportunity for me to continue to save money, and still donate to the food banks - and this is great, but is not without some conscience wrestling on my part. The thing is - many of the products that go on sale at the grocery store, and for which there are multiple coupons each week, are for prepackaged soups, mac n cheese, canned meals etc. If I combine these coupons with what's on sale, I can get these items for pennies on the dollar oftentimes, and can donate them. I wouldn't feed these items to my family - and so I ask myself if I consider them not as good as the from scratch meals I cook myself, why do I palm them off as 'good enough' for a struggling family? I don't have the answer to this - I feel like a food snob, but I have to assume that some food is better than none for a hungry family. I can't shake the feeling though - maybe I'm over thinking it?
Meanwhile, I have a four year old whom is becoming increasingly inquisitive about life, and how she fits in the grand scheme of things. At Mass she sees the Poor Box, and the little Lenten rice bowls like the one we have in our kitchen, and she understands that these are there to collect money for those less fortunate. As much as a four year old can, she gets it that she's in a better position than some. Aware that she's of an age where I can start shaping in her a solid social conscience I try to encourage her to think of others, and I involve her in sorting through her outgrown clothes and toys and with a little persuasion, she will willingly give them away so another little girl can enjoy them as much as she did.
On Sunday, Miss E put the grocery bags in the wagon outside our church and expressed concern that we were giving away our food. What followed was a conversation that started off simple enough, 'these are extra things that Mommy bought so I could give them away for families that don't have enough to eat'... and ended up with me worrying that I was loading her up with too much information that might feed her rather active imagination and cause her fear.
So, I work on balancing that fine line of giving my child an appreciation of all the good things she enjoys that some don't without scaring her or rocking her securities. We have little chats now and then as the opportunity arises where I can reinforce the concept that we need to take care of ourselves, and those in our community.
Then I wonder, when I seem to think and talk about these issues way more than I act, I have to ask, 'how solid is my own social conscience?' 'What more could I be doing?'
I understand that children learn best from what they see - I know that my husband and I need to be the example for Miss E and her brother. Once again I find myself taking small steps to contribute in a more tangible and meaningful way. Recently, I participated in a small way in a local event that involved painting the exterior of a house for an elderly woman in town. While I didn't have Miss E with me, I did tell her all about it and her response was 'I wish I could come and paint and help someone' - she knows that I felt good having done it - and I'll certainly consider taking her to the next event. I'm encouraged that she's starting to form her social conscience, which is great considering that most four year olds are still pretty ego centric.
Our collective social conscience remains a work in progress - and I am all ears to any suggestions on how to more actively contribute with my time, particularly any suggestions that involve the kids.


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Former Giants WR Smith announces retirement
Tampa, FL – Wide receiver Steve Smith has decided to retire after six NFL seasons, the Tampa Bay Buccaneers announced Wednesday.
Smith, who went to the Pro Bowl with the New York Giants in 2009 after setting a franchise season record with 107 receptions that year, has played in only 27 games over the past three campaigns due to knee problems. He had signed a one- year contract with the Buccaneers in April.
The 28-year-old entered the league as a second-round draft choice of the Giants in 2007 and won a Super Bowl with the club as a rookie, then finished second in the league in receptions while totaling 1,220 yards and seven touchdowns two years later. Smith's numbers slipped to 48 catches and 529 yards as he missed seven games the following season, and the Giants opted not to re-sign him as a free agent.
Smith joined the rival Philadelphia Eagles for the 2011 season, but managed a disappointing 11 catches in nine games while again missing significant time with injuries. The USC product had just 14 receptions for 131 yards as a member of the St. Louis Rams last year.
In 64 career games, Smith recorded 245 catches for 2,641 yards and 12 touchdowns.


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Is Valley a political player?
On the side
Catholics for Obama: U.S. Rep. Tim Ryan of Niles, D-17th, and former U.S. Rep. Kathy Dahlkemper of Erie, Pa., a Democrat who used to represent her state's 3rd District, are among the 21 people selected as national co-chairs of Catholics for Obama, the president's Catholic advisory committee. Catholics, particularly in swing states, are seen as a key voting group in the presidential election.
Aging Supremes: David Warren, Mahoning County field director for Mitt Romney's presidential campaign, told a crowd of Republican women, waiting for Lt. Gov. Mary Taylor, that one reason to vote for the Republican is three U.S. Supreme Court justices are over the age of 75. The next president could replace all of them because, as Warren bluntly pointed out, "They're either going to die or retire."
Out of the office: I will be out of the office for most of next week so I won't have a column next Friday.
It's been said and written many times that if you are a Republican presidential candidate and you receive 40 percent of the vote in Democratic-controlled Mahoning and Trumbull counties, you're going to win Ohio, a key battleground state.
At a Monday event with Lt. Gov. Mary Taylor, David Warren, field director for Mitt Romney's presidential campaign in Mahoning County, said it is "vital" that the Republican candidate receive 40 percent of the vote in the two counties.
However, the 40-percent mark is largely a myth. Even needing 38 percent in the Mahoning Valley to carry the state is rare for Republicans.
An examination of voter percentages in the two counties for Republican presidential candidates during the last seven elections shows that only one — Ronald Reagan in 1984 against Democrat Walter Mondale — broke 40 percent.
Reagan barely got over the 40-percent hump in 1984 against Mondale, considered an exceptionally weak presidential candidate, in Mahoning County with 40.6 percent of the vote. Reagan got 44.2 percent of Trumbull's vote.
Of course, Reagan easily won that election in Ohio and nationwide.
But other Republicans elected president, George H.W. Bush in 1988, and his son, George W. Bush in 2000 and 2004, won Ohio and the general election without hitting 40 percent in the Valley.
The elder Bush won the 1988 election against Democrat Michael Dukakis while receiving 36.4 percent of the vote in Mahoning County and came very close to 40 percent in Trumbull, where he received 39.5 percent of the vote.
In 2000, his son received 35.5 percent in Mahoning and 36 percent in Trumbull against Democrat Al Gore. He did slightly better in 2004 against Democrat John Kerry, who campaigned often in the Mahoning Valley, with 36.7 percent in Mahoning and 37.9 percent in Trumbull.
Interestingly, Republican John McCain did better in 2008 in the two counties, 35.6 percent in Mahoning and 37.6 percent in Trumbull, than George W. did in 2000, and lost Ohio and the election.
Those numbers are a lot better than his father's voter percentages in 1992 and Republican Bob Dole in 1996 against Democrat Bill Clinton.
The elder Bush got only 24.8 percent of the vote in Mahoning County in 1992 and 24 percent in Trumbull. H. Ross Perot, an independent candidate, did better than Bush in Trumbull that year. In 1996, Dole received 26.6 percent of the vote in Mahoning County and 26.2 percent in Trumbull.
So what does this mean?
First, the Valley's importance in presidential politics appears to be overstated.
In all cases since 1984, except McCain four years ago, Republicans won Ohio with as little as 35 percent of the Valley's vote.
Second, there isn't a connection between voting performance and campaign visits to the area by presidential and vice presidential candidates.
George W. Bush campaigned two times in the Valley and Kerry was here five times in 2004 — and three or four by his running mate John Edwards — compared to four each for McCain and Democrat Barack Obama in 2008. Bush won and McCain didn't, and Bush's 2004 Valley percentages were only a bit better than McCain's 2008 numbers.
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I am a fan of Dan Carlin's podcasts, especially his show Hardcore History (a terrible name for a show, but an excellent podcast nonetheless). The most recent episode, as of the time that I write this, is about the Anabaptist rebellion in/occupation of Munster, Germany in 1534-1535.
If you are interested in this historic episode, I strongly recommend that you listen to the episode (just click the link above). But the thumbnail is this: The Anabaptists were one of the early Protestant sects that arose after Martin Luther posted his list of theses. They were far more radical than Luther himself was, and the Anabaptists gave rise to numerous sub-cultures, including several that were essentially communistic doomsday cults (yep, history is often weirder than fiction). One such group became violent, and established a short-lived government in the German city of Munster, where they managed to hold off the local authorities for a time, while establishing a miniature totalitarian theocracy within the city itself. They were eventually crushed by the city's Bishop (a secular as well as religious authority figure at this time in Munster), and the leaders of the rebellion put to death in a rather horrific manner (though one that won't surprise students of Medieval history).
This story has echoes throughout Europe. In England, Protestant sects gained power under Oliver Cromwell, and established an authoritarian theocracy in England (though, to be fair, many would have considered the deposed-then-executed Charles I's monarchy to be authoritarian as well, and arguably also a theocracy as Charles I was also the head of the Church of England), and then near-genocidal campaigns against Catholics in Scotland and Ireland. Under Oliver Cromwell (the Lord Protector, a role different than, though in ways comparable to, the king), England became hostile to things such as drama, dancing, etc. In fact, the attitude of the government under Cromwell towards the arts and entertainments is rather reminiscent of Afghanistan under the Taliban**.
Comparable stories played out across Europe, with Protestant sects rising, and committing acts of violence, including ones that we would now consider terrorism in England, France, the Netherlands, Germany, Italy, and on and on and on.
These stories fascinated me, but they do not surprise me. They might, however, surprise many contemporary people in the United States.
There is a commonly held belief here in the U.S. that Middle Eastern violence and world-wide terrorism is a product of beliefs and ideals unique to Islam. Islam, this belief holds, is unusual among the Abrahamic religions* in its advocation of violence. Therefore, it is the only of these three religions that produces violence on the strength of the religion itself. Sure, there have been evil/violent people who claimed to be Christian or Jewish, but they just used religion as an excuse to do what they were going to do anyway. Islam actually causes the violence!
People who hold this opinion are thoroughly ignorant of history.
In part, the ignorance is willful. People rarely want to acknowledge that the club to which they claim membership can produce bad seeds. As a result, Christians tend to deny the role of religion in the European wars of the 16th through 18th centuries, but they are hardly alone. Members of most ideologies that have produced violence tend to deny that the ideology produced said violence.
In part, it's the fault of those of us who deal with the past professionally. We have a hard time grappling with ideology, and as a result, tend to look for other causes for violence, when ideology may be the cause. As is summed up by historian R. J. Knecht in his book The French Wars of Religion, 1559-1598:
Many people nowadays attach little importance to religion. Consequently, they find it difficult to believe that it played a major part in the civil wars that tore France apart in the late sixteenth century. They look for other reasons: political, economic and social. Religion, they argue, was merely a 'cloak' used by the great aristocratic families to give respectability to their ruthless pursuit of power. But the sixteenth century was not the twentieth: religion did rule the lives of thinking people...
...even today religion can move people to action, as is daily demonstrated in the Middle East and India...Material interests, including brutal power-hunger and greed, were certainly present in the French Wars of Religion, but religion was also crucially important.
Although Knecht focuses on religion, it is not unique. Any sort of totalizing ideology - a belief system that claims to encompass either everything, or at least everything that matters for living in the world - is capable of producing the zealotry and hysteria necessary to create violence. Religious violence is nothing new, likely having been with us from a very early in our time in our history as a species, but is has at times been joined by other ideologies as a source of violence - witness the anarchist bombings of the 19th and early 20th centuries, for example.
We know that Christianity is capable of the same types of violence as modern militant Islam not because Christianity shares many ideological underpinnings with Islam (though it does), but because Christianity has produced precisely the same sort of sectarian violence, political and social oppression, and acts of terrorism in the past. Christianity still has the potential, and a theocratic undercurrent still breathes and seethes and seeks power (look up the Dominionist movements). The story that we often hear is that Christianity gave rise to the Enlightenment (or, if the commentator dislikes the science and necessity of doubt that came with the Enlightenment, they will try to claim that Christianity is the source of the parts of the Enlightenment that the commentator likes). The truth, though, is that Christianity was muzzled by commerce and politics, beginning in the Netherlands during the Renaissance, where city officials and business interests realized that persecution of religious minorities could be bad for profits. The more peaceful Christianity that we know today is a product of historic de-fanging, a religion that has been molded by social currents and mores, as much as (if not more than) it has influenced the social currents and mores.
The rise of ideological authoritarian states has happened many times before...and it sure as hell will happen again. While religion is typically the cause (being the most common potentially authoritarian ideology among humans), it can also occur with non-religious ideologies (noteworthy 20th Century examples include Nazi Germany, the rise of the U.S.S.R., and Cambodia under Pol Pot). Similarly, the rise of ideological violence and terrorism is also nothing new. Essentially, all that is required is for some group to conclude that they know they absolute truth, and believe that they, therefore, have the right to impose that truth on everyone else.
But we need to not be ignorant of history. We need to acknowledge that while the technologies and means used by ideological zealots may change, their presence seems a constant. We need to acknowledge that our own religions and political ideologies could, potentially, lead to chaos and violence - in part we need to acknowledge this to keep ourselves humble and not demonize our opponents, and in part we need to do so in order to prevent our own creeds from becoming the enemies that we loathe.
*Worth noting: many people who hold this belief would leave out the Abrahamic religion part, as many people who believe this are so thoroughly ignorant of Islam that they are unaware that it shares a good deal with Judaism and Christianity.
**Monty Python produced a funny and informative song about the English civil war:
...or, if you have a bit of a different set of tastes, I will happily recommend Mark Steele's version to you:
***Though I would note that their own actions were a result of the overall form of communism to which they adhered, where atheism was a part, but not in any way the whole. In much the same way, while most people are loathe to admit it, Protestant Christianity (specifically Lutheranism) was a part of Nazism, but it was in no way the whole of Nazism.


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Asus has announced a new docking station for the Nexus 7 tablet at CES in Las Vegas.
The new dock is as simple as it sounds, and gives Nexus 7 owners a chance to prop up there 7-inch tablet in landscape mode on a desk or bedside table.
Around the back you'll find a micro USB socket, and a headphone jack to let you connect it to a speaker. Weighty enough to sit comfortably on the tablet, the new dock will be out in the UK in the coming weeks and will cost aroun £24.99, Asus tells Pocket-lint.
Not a must-have, but will certainly appeal to those who got the award-winning tablet for Christmas.
UPDATE: Asus has got in touch to say that the original price they gave us was wrong. The docking station in the UK will cost £24.99. We have corrected the article to reflect the new price.


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Decorate your bathroom and dry yourself off with our luxuriously soft bath towels and hand towels. Our towels are made from brushed microfiber with a 100% cotton back for extra absorption. The top of the towel has the image printed on it, and the back is white cotton. Available in three different sizes: hand towel, bath towel, and bath sheet.
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Welcome to Dale Powell Photography A Published Landscape Photographer based in Charleston SC My Images have appeared in USA Today, Charleston Post and Courier, Mount Pleasant Waterworks 2018 & 2019 Calendars, 2019 Glock Calendar, America's Civil War Magazine, and Island Magazine My passion for photography started from the moment that I picked up a camera as a child. A camera would forever be more than a tool, it would allow me to capture and share beauty, wonderment, awe, and moments in time. For Personal Request please contact me at 843-971-9400 FINE ART AMERICA WATERMARKS WILL NOT APPEAR ON PURCHASED IMAGES. Copyright © 2019 Dale Powell All Rights Reserved. All The materials contained may not be reproduced,...
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If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
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Electronisounds is proud to present our first release from the innovative European music production company, RHYTHM LAB. NEURO FUNK is an exclusive collection of cutting-edge sounds, beats and loops to add the newest flavor to your music. Take your work to the next level with the freshest drum 'n bass, jungle, acid, hardcore, big-beat, trip-hop, trance, ambient, IDM and experimental samples available.
Jam packed with over 1,000 **all-new** samples, NEURO FUNK delivers creative ideas and tools for making huge, fat tracks for electronica music, adding personality and hooks to pop and rock music--or lending any high-tempo track a unique edge. Plus, you can slice the samples to get even more versatility with use on lower BPMs.
Over 150 bass loops and sounds that will fatten up any track -- huge bass tones that will rumble your sub-woofer -- thick synth basses that will round out the e.q. of your track -- many different bass waves for plenty of variety.
Major and minor chords, stabs and hits -- big and thick square-wave tones, to gritty and distorted saw-wave tones -- lush and layered, light and sweet, to fuzzy and fat, thin and filtered.
Over 150 high-tempo drum loops versatile for nearly any genre -- acoustic kit jams that are perfect for pop and rock arrangements -- perfectly produced digital kits for electronica genres -- huge beats with personality for the main percussion track -- skillfully programmed beats for layering and breaks.
Pulsing, moving textures of multiple sounds blended for maximum effect and bottom end -- clean and pure layers, to big and dramatic pads -- breathy, panned synths that make your speakers come alive -- filtered sweeps and swells to enhance any frequency.
This bonus folder contains edgy sounds and melodic grooves, basslines, lead synths, arpeggios, hits and layers for a bold and unique addition to your track.
Nearly a hundred big and bright synth sounds to add depth and movement to your arrangement -- evolving and lush sounds to compliment other instruments -- edgy and unique sounds to add that special lead synth part.
Unique drum loops for breaks, intros and transitions, at 160 and 170 BPM -- perfect phrases for jungle and drum 'n bass styles -- acoustic and electronic sounds for versatility -- pitch-stretched and sliced loops for dramatic changes and breakdowns or solos.
Over 200 drum and percussion sounds -- acoustic and electronic drums for cross-over uses -- build your own kit or add that perfectly recorded percussion sound to round out your existing drum tracks.
Aggressive and gritty high-tempo drum loops, from 150 to 175 BPM -- vocoded loops, distorted loops, bit-crushed loops -- filtered and effected for an edgy addition to your track's percussion.
More than 50 thick, lush textures to enrich ambient pieces and soundtracks -- huge, fat synth layers to add backbone to your arrangements and electronic pieces -- dark and soulful minor chords, ethreal and smooth major chords -- filtered, resonating techno pads and sweeps.
Dramatic, spacey and ethreal pads and sounds with plenty of digital effects and filtered movement.
Everyone at Electronisounds is excited to offer this impressive new collection of samples from the craftsmen at RHYTHM LAB. We hope that you enjoy these fresh sounds and drum loops on NEURO FUNK. We are confident that this material will be easy to use, and will add professional-level personality and style to your tracks.
Bass Folder - 65MB, 152 samples
Breaks Folder - 8MB, 18 samples
Chord Folder - 76MB, 112 samples
Drums Folder - 25MB, 233 samples
Loop Folder - 78MB, 156 samples
Loop FX Folder - 35MB, 81 samples
Multi-Pad Folder - 62MB, 28 samples
Pad Folder - 102MB, 51 samples
Playa Folder - 30MB, 38samples
SFX Folder - 85MB, 61 samples
Synth Folder - 106MB, 91 samples
These .wav's will also work directly with the AKAI S5000 & S6000, Roland SP-606 or any other hardware or software sampler that can read standard .wav samples.
- 600 Mb Complete Pack Content.
- 16 bits / 44.1khz
- PC/MAC Compatible (Logic, Cubase, Live, Reason, SonyAcid, Fruity loops, GarageBand, etc...)
- Wav
All of the content is 100% royalty-free. Once purchased, you can use these audio loops in your music releases, both commercial and underground, with no restrictions.
How to Order:
Simply click BUY "Add to Cart". When you finish your order, click "checkout". If you are a new costumer you need create an account, if you are a returning costumer only fill up the form. Your Download Link will be sent in you account in Loophunter immediately after your payment has been received.
For any problem send a email email@example.com
*Note: The previews are low resolution MP3s. The quality of the files you will receive will of course be much higher, uncompressed WAV-AIFF, stereo, 44k, 16-24 bit.
Producer: Electronisounds


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Even though animals can't technically "marry" (since that's something that only humans can do), there are some animal species who will mate and commit to each other for a long time. Over 90% of bird species are "socially monogamous" (meaning that the same two parents will help raise their babies); penguin dads will keep their eggs warm while mom goes off to look for food, while bald eagles will remain faithful to their mate until one of them dies! Other animals that mate for long periods of time include gorillas, dikdiks (a type of African antelope), and anglerfish.
A marriage itself is actually a legal contract! While a wedding ceremony can be a beautiful way for two people to show how much they love each other, married couples pay different taxes and have certain rights that other couples don't. Since animals don't need to worry about things like paying taxes or buying a house, a "marriage" isn't really necessary!


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When procedures are performed for specific diseases or disorders, the disease or disorder is not contained in the procedure code. There are no codes for procedures exclusive to aneurysms, cleft lip, strictures, neoplasms, hernias, etc. The diagnosis codes, not the procedure codes, specify the disease or disorder.
ICD-9-CM often provides a "not otherwise specified" code option. Certain NOS options made available in ICD-10-PCS are restricted to the uses laid out in the ICD-10-PCS draft guidelines. A minimal level of specificity is required for each component of the procedure.
ICD-9-CM often provides a "not elsewhere classified" code option, but because all significant components of a procedure are specified in ICD-10-PCS, there is generally no need for an NEC code option. However, limited NEC options are incorporated into ICD-10-PCS where necessary. For example, new devices are frequently developed, and therefore it is necessary to provide an "Other Device" option for use until the new device can be explicitly added to the coding system. Additional NEC options are discussed later, in the sections of the system where they occur.
All procedures currently performed can be specified in ICD-10-PCS. The frequency with which a procedure is performed was not a consideration in the development of the system. Rather, a unique code is available for variations of a procedure that can be performed.
ICD-10-PCS has a seven character alphanumeric code structure. Each character contains up to 34 possible values. Each value represents a specific option for the general character definition (e.g., stomach is one of the values for the body part character). The ten digits 0-9 and the 24 letters A-H,J-N and P-Z may be used in each character. The letters O and I are not used in order to avoid confusion with the digits 0 and 1.
The second through seventh characters mean the same thing within each section, but may mean different things in other sec-tions.
In all sections, the third character specifies the general type of procedure per-formed (e.g., resection, transfusion, fluoroscopy), while the other characters give additional information such as the body part and approach. In ICD-10-PCS, the term "procedure" refers to the complete specification of the seven characters.


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Economist Paul Krugman has been right about pretty much everything for the past half-decade, shaming his right-wing critics in the process.
He has been right that the U.S. (and world) are in a "liquidity trap" in which super-cheap money isn't saving the economy.
He has been right that fears about hyper-inflation caused by cheap money have been completely overblown.
He has been right that Obama's stimulus was too small to save the economy.
He has been right that government spending cuts would not unleash the fictional "confidence fairy" and restore the US and European economies.
He has been right that interest rates haven't suddenly skyrocketed as our creditors freak out that we're swamped with debt.
And so on.
And now Professor Krugman is arguing that all the fears about our massive debt load are totally overblown. To help our economy, Prof. Krugman says, our government should spend like crazy in the short-term and then work off the debt later.
And when it comes to infrastructure spending, at least, Prof. Krugman is once again almost certainly right.
The U.S.'s public infrastructure is in an embarrassing state of repair. It's also about a half-century behind the state-of-the-art. Spending a few trillion dollars over the next several years to bring our infrastructure up to date would help the country for decades. It would also put millions of Americans back to work and pump trillions of dollars back into the economy. It would help ALL Americans, not just those in specific industries or socio-economic groups. And unlike debt incurred to prop up consumer consumption, the new debt incurred for this infrastructure buildout could, in large part, be secured by the infrastructure itself. And with today's screamingly low interest rates, this money would cost us almost nothing to borrow for 30 years.
So, Prof. Krugman has made us enthusiastic supporters of the spend-a-few-trillion-on-infrastructure-over-the-next-few-years plan.
But we're still not persuaded that our debt problem isn't a huge concern.
Total U.S. debt has dropped modestly from the peak, but it's still fantastically high relative to all previous history (see chart above, which shows debt to GDP since 1950). And unlike prior periods of high debt, this debt mountain is composed of all major types of debt — consumer, government, and corporate. In previous eras, the huge debts were either private-sector OR government, not both.
Prof. Krugman argues that we can ignore our spectacularly huge debts because, in the post-World-War-2 period, the government portion of these debts were even bigger (see second chart).
In the two decades after World War 2, which were extraordinarily prosperous, we worked these debts off. And that's just what we can do this time, Prof. Krugman argues. So don't worry, be happy.
But to this non-economist, anyway, there appear to be at least several critical differences between now and the post-World-War-2 period:
- There was very little consumer debt after World War 2— in contrast to today, in which consumers have debt coming out of their ears. (See chart below)
- World War 2 destroyed much of the world's manufacturing capacity, so we were in the unusual and enviable position of having most of the world's few functioning factories while the world was rebuilt. Put differently, our companies had little competition and huge demand. So they grew like mad.
- The Marshall Plan, our huge loan program to help Europe rebuild, was effectively just massive vendor financing: We loaned demolished European countries billions of dollars with which to buy our products.
Put those three factors together, and the current debt situation seems VERY different from the post-World War 2 period.
- Today, our global competitors have not just had their manufacturing capacity demolished (by us). On the contrary, like us, our global competitors have too much manufacturing capacity. So it's hard to see where an explosion of U.S. growth is going to come from — there's no global manufacturing vacuum to fill.
- Second, our global customers (Europe, Asia, U.S. consumers, U.S. businesses), already have debt coming out of their ears. We can't lend them more money with which to buy our products, because they have already borrowed way too much money.
- Third, our biggest customer group — U.S. consumers — also have debt coming out of their ears. Consumer debt is much, much higher than its historical average, and savings rates are far lower. This suggests it is unlikely that U.S. consumers are suddenly going to go on a drunken borrowing binge again — or simply start borrowing, the way they did after World War 2.
So that brings us to our big question for Prof. Krugman:
Why isn't today fundamentally different from post-World War 2 in key ways that make the comforting post-WW2 analogy flawed?
- Today there are massive consumer debts that didn't exist after World War 2
- Today there are massive European debts that didn't exist after World War 2
- Today there is massive global manufacturing over-capacity, whereas after WW2 much of the world's capacity had been destroyed (and needed to be rebuilt)
- Today, there are (fewer) massive lending programs like the Marshall Plan with which we loaned customers money with which to buy our products (Admittedly, the Fed and ECB are trying their damndest, but as you point out, they're pushing on a string).
If Prof. Krugman can explain why none of these differences matter, we'll be more persuaded that the U.S. won't be completely screwed by its huge debt load.
In the meantime, although we support the idea of a huge infrastructure spending program, we're worried.
SEE ALSO: Here's What's Wrong With The US Economy (And How To Fix It)


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Beauty Hilary is one of the hottest female celebrities of Hollywood. She likes to showing off as in public as well as on television. But it is pretty clear why, as she got a lot to show to all people. This beauty should not be hided.
Let's check out this Hilary Duff naked photo. She surely looks confident as she knows how sexy and hot she is. Not all women can say the same about them, but Hilary knows that about herself so this is not a secret.
She has got the most beautiful eyes and sexy hairstyle. I do like how she smiles… it looks like an innocent smile, however it also reflects sexuality and wildness. Her thighs are jest wonderful and gorgeous and her legs itself are pretty long and shapely. Hilary Duff ass is very elastic and sexy. She probably does a lot of workouts in order to be in that shape where she is now. Way to go girl.
Hilary Duff boobs look pretty big, however not too much. It is something with a medium size, or maybe a little bit bigger. They are so elastic and shapely also. A lot of us would like to see Hilary Duff topless, as she surely has something to show.
Does anybody saw Hilary Duff playboy photos? Oh boy… It we are all should see them. In anyway, Hilary has nice pictures of her in many other famous magazines, and I am sure this is not her limit.