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February 26, 2010
Financial Regulatory Reform
Governor Daniel K. Tarullo
At the U.S. Monetary Policy Forum, New York, New York
It is a pleasure to participate in this year's U.S. Monetary Policy Forum. To begin the discussion of regulatory reform, I will first explain my view that the imperative for financial regulatory reform has much deeper roots than the imprudent mortgage lending, tightly wound wholesale financing channels, and other factors that were direct contributors to the recent financial crisis. Next, I will summarize the status of the reform proposals to address systemic risk, as well as the changes that are already in train, before ending with a few observations on the relationship between the scope of the systemic risk problem and the reform agenda.
The Roots of the Financial Crisis
It is interesting and important to inquire carefully into the immediate causes of the financial crisis. But an appropriately tailored response must begin by recognizing that the crisis arose following profound changes in both the organization and regulation of financial markets that began in the 1970s.
Starting in 1933, the New Deal established a regulatory system that largely confined commercial banks to traditional lending activities within a circumscribed geographic area, with attendant limits on price competition and a federal deposit insurance backstop meant to forestall bank runs. This approach fostered a commercial banking system that was, for the better part of 40 years, quite stable and reasonably profitable, though not particularly innovative in meeting the needs of depositors and borrowers.
The turbulent macroeconomic developments of the 1970s, along with technological and business innovations, helped produce an increasingly tight squeeze on the traditional commercial banking business model. The squeeze came on both the liability side of bank balance sheets, in the form of more-attractive savings vehicles such as money market mutual funds, and on the asset side, with the growth of public capital markets and international competition. Large commercial banks reacted, among other ways, by seeking removal or relaxation of the regulations that confined bank activities, affiliations, and geographic reach--a request to which supervisory agencies and legislators were generally sympathetic because of the potential threat to the viability of the traditional commercial banking system.
The period of relative legal and industry stability that followed the New Deal legislation thus gave way in the 1970s to a nearly 30-year period during which many prevailing restrictions on banks were relaxed, both through administrative action by the bank regulatory agencies and through a series of legislative changes culminating in the Gramm-Leach-Bliley Act of 1999. By the turn of the century, the Depression-era cluster of restrictions on commercial banks had been replaced by a regulatory environment in which they could operate nationally, conduct a much broader range of activities, and affiliate with virtually any kind of financial firm.
These changes enabled a series of acquisitions that resulted in a number of very large, highly complex financial holding companies centered on large commercial banks. At the same time, independent investment banks had grown into a group of very large, complex, and highly leveraged firms. Of course, financial engineering had been rapidly changing the character of the financial services sector as a whole. Among other things, securitization and associated derivative instruments were merging capital markets and traditional lending activities, thereby fueling the growth of the shadow banking system.
The regulatory system had also evolved, notably through progressively more detailed capital requirements and increasing demands that banking organizations enhance their own risk-management systems. Supervisors counted on capital and risk management to be supple tools that could ensure stability even as financial activities changed rapidly. Truthfully, though, there was no wholesale transformation of financial regulation to match the dramatic changes in the structure and activities of the financial industry. In particular, the regulatory system did not come close to adequately accounting for the effects of securitization and other capital market activities on both traditional banking and systemic risk.
Meanwhile, as shown by the intervention of the government when Bear Stearns and American International Group were failing, and by the repercussions from the failure of Lehman Brothers, the universe of financial firms that appeared too big to fail during periods of stress included more than insured depository institutions and, indeed, reached beyond the circle of firms subject to mandatory prudential regulation. The extension of funds by the Treasury Department from the Troubled Asset Relief Program and of guarantees by the Federal Deposit Insurance Corporation (FDIC) from the Temporary Liquidity Guarantee Program to each of the nation's largest institutions revealed the government's conclusion in the fall of 2008 that a very real threat to the nation's entire financial system was best addressed by shoring up the largest financial firms.
Regulatory Reform: The Consensus to Date
The crisis thus arose against the backdrop of a regulatory system that had not adjusted to the extensive integration of traditional lending with capital market activities, which had created new sources of systemic risk. The already significant too-big-to-fail problem was further amplified by the government's actions in 2008 to prevent a complete collapse of the financial system. The internal information and risk-management systems of many financial firms were revealed as inadequate to the task of identifying the scope of market and credit risks, much less ensuring the soundness of those firms, in a period of severe stress. Proposed reforms to counteract systemic risk should, both individually and as a whole, be evaluated by reference to these quite fundamental deficiencies in the regulatory system.
Despite substantial disagreements over some reform proposals--such as the creation of an independent consumer financial services protection agency and the possible reallocation of responsibilities among the regulatory agencies--a fair degree of consensus has been reached on some elements of a legislative reform package. Accordingly, and with full recognition that there are still important differences on the specifics of the legislation, my summary of the reform agenda as it has evolved to this point will include some proposed legislative elements, as well as various administrative measures being pursued by the regulatory agencies under existing statutory authority.
It is perhaps instructive to organize this agenda by reference to the "three pillars" of financial regulation enunciated by the Basel Committee on Banking Supervision--minimum prudential requirements, supervisory oversight, and market discipline. Although the Basel Committee formulated the three-pillar approach in the context of the Basel II arrangement for capital requirements, this frame of reference can also be applied to the broader set of reform measures.
As to minimum prudential rules, U.S. banking agencies are joining with our international counterparts in the Basel Committee to modify capital and liquidity requirements. Increased capital requirements for trading activities and securitization exposures have already been agreed. A consultative paper issued late last year advances additional capital proposals, including improvements in the quality of capital used to satisfy minimum capital rules, with a particular emphasis on the importance of common equity, and a first set of measures designed to reduce the traditional pro-cyclicality of capital requirements.1 Additional work on capital requirements for market risk is also under way. Finally, the bank regulatory agencies are implementing strengthened guidance on liquidity risk management and weighing proposals for quantitative liquidity requirements.
To a considerable extent, these changes strengthen rules that existed prior to the crisis and thus build on existing approaches, even as they underscore the problems with the pre-crisis regulatory regime. Several potential regulatory devices with a more direct systemic focus have also garnered substantial interest, both here and abroad. Prominent among them are proposals to (1) impose special taxes or capital charges on firms based on their systemic importance, (2) require systemically important firms to issue or maintain contingent capital instruments that would convert to common equity in periods of stress, and (3) reduce pro-cyclical tendencies by establishing special capital buffers that would be built up in boom times and drawn down as conditions deteriorate. Each of these ideas has substantial appeal, but, as has become clear, each also presents considerable challenges in the transition from a good idea to a fully elaborated regulatory mechanism.
Many legislative proposals would extend the perimeter of regulation so that rules designed to promote financial stability would apply to firms that currently are not subject to prudential regulation because they do not own a commercial bank. The legislation passed by the House, for example, would subject any firm whose failure could have serious systemic consequences to consolidated supervision, including minimum capital and liquidity requirements.
Supervisory oversight is being reoriented in several notable ways. As I mentioned earlier, the crisis revealed the serious shortcomings in the risk-management systems of many large firms. As we found during the Supervisory Capital Assessment Program that the Federal Reserve led early last year, the risk-management prerequisite of good information management was simply lacking at many firms. Accordingly, we are placing increased emphasis on the ability of firms to assess their own capital needs, particularly in periods of stress, both to supplement minimum capital requirements and to ensure that relevant information on firm risks is readily available to supervisors.
More fundamentally, the supervisory perspective of the Federal Reserve has been refocused by modifying the scope of consolidated supervision and by coordinating much more closely the supervision of our largest financial institutions. In the years preceding the crisis, supervision of bank holding companies was principally focused on protecting the commercial banks within a holding company. Too little attention was paid to the risks faced, and created, by the entire holding company, including in affiliates principally involved in trading and other capital market activities. Supervisory attention is now focused on the risks that may develop anywhere within large holding companies, regardless of whether there is an immediate threat to the federally insured bank. Legislative proposals to remove the Gramm-Leach-Bliley constraints placed on the Federal Reserve's ability to obtain information from, and address unsafe and unsound practices in, the subsidiaries of bank holding companies would make this supervisory reorientation more effective.
We are also instituting a more closely coordinated system for supervising some of the largest holding companies that will, in effect, establish a cross-firm, horizontal perspective as an ongoing organizing supervisory principle. This new approach will have a macroprudential dimension as well. To advance both macroprudential and microprudential goals, we are instituting a quantitative surveillance mechanism (QSM) for large, complex financial organizations. The QSM will use supervisory information, firm-specific data analysis, and market-based indicators to identify developing strains and imbalances that may affect multiple institutions, as well as emerging risks to specific firms. Periodic scenario analyses across large firms will enhance our understanding of the potential effects of adverse changes in the operating environment on individual firms and on the system as a whole.
Market discipline has been an underdeveloped policy tool despite numerous ideas put forth over the years. Yet it is hard to imagine a practical counterstrategy to the undesirable consequences of too-big-to-fail perceptions that does not include a credible alternative to the current Hobson's choice of bailout or disorderly bankruptcy. Consequently, most regulatory reform proposals have prominently featured a special resolution mechanism that would raise the real prospect of losses for investors and counterparties of even the largest failing institutions. At present, of course, the law provides the FDIC with authority to resolve failed insured depository institutions, but there is no parallel authority for the holding companies of which these banks are a part or for other systemically important financial firms.
Regulatory Reform: The Ongoing Debate
The rough consensus around the reform elements just described has hardly meant an end to the debate for at least three reasons. First, as already noted, there is considerable continuing disagreement over the key features of some of these proposals, even when the basic idea is accepted. The significant differences over the best form of resolution mechanism provide one example. Second, as also mentioned earlier, some ideas that may be promising ideas in concept--such as special charges calibrated to the systemic importance of a firm--are not easy to develop and put into practice effectively. Until more-detailed proposals are generated, judgments on the likely efficacy of these ideas will obviously be difficult to make. Third, many participants in the public policy debate who would agree with some form of this consensus agenda nonetheless believe that it falls short of what is needed to ensure financial stability.
Those who believe that additional regulatory measures are necessary have mostly turned to structural measures, as distinguished from the prudential requirements, supervisory initiatives, and market discipline proposals that constitute the bulk of the consensus reform agenda. One approach is to reverse the 30-year trend that allowed progressively more financial activities within commercial banks and more affiliations with nonbank financial firms. The idea, promoted by former Federal Reserve Chairman Paul Volcker and now endorsed by the Administration, is to insulate insured depository institutions from proprietary trading or similar capital market activities that are thought to pose unusually high risks for institutions or, more precisely, for the federal safety net provided to insured banks.
A second approach is to directly regulate more financial products and practices, whether or not the firms involved in the transactions are subject to prudential supervision. To an extent, this approach is reflected in the House bill and other proposals that would require standardized over-the-counter derivatives to be cleared through central counterparties or traded on exchanges. Some proponents favor going beyond this market requirement to prohibit or significantly constrain the use of other products or practices.
A third approach is to attack the bigness problem head-on by limiting the size or interconnectedness of financial institutions. The more muscular forms of this approach would break up some existing institutions in a manner somewhat reminiscent of breakups of AT&T in 1982 or Standard Oil in 1911 under the antitrust laws. A somewhat less sweeping variant would prevent firms from growing beyond a certain size or in a way that would significantly increase their systemic importance, including through acquisitions. The Administration's recent proposals contain an example of the second form, with a cap on the percentage of total financial industry liabilities that could be held by any one firm. The House bill has examples of both forms, as it grants authority to a newly created council of financial regulators to dismantle a firm that poses a "grave threat" to systemic stability and to individual banking regulators to prevent acquisitions that would increase systemic risk.
Regulatory Reform in Perspective
Let me now offer a few observations on the overall effort to revamp our financial regulatory system. First, the reform process cannot be judged a success unless it substantially reduces systemic risk generally and, in particular, the too-big-to-fail problem. In using the Basel II three-pillar metaphor to classify the consensus reform agenda, I meant to underscore that this agenda is in many respects a program to build out and improve the regulatory approaches that prevailed before the crisis. The important intellectual question is whether the limitations of these approaches that have been revealed in the past can be sufficiently overcome, either within each pillar or through their combination.
The fact that support for reforms of the structural variety has been growing during the past year's policy debate suggests to me that many thoughtful people have given at least a tentative negative answer to that question. Of course, the specifics of a good number of these proposals have yet to be formulated, and judgment of the merits must await their further development, insofar as the details will determine whether a proposal is likely both to be effective and to have manageable unintended consequences. Speaking personally, however, I think that we should not become unrealistically demanding in seeking specification of such proposals, particularly when a proposal itself provides for ongoing refinement. For example, my sense is that the provision in the House bill that would empower banking regulators to prevent acquisitions that would increase systemic risk could be sensibly and effectively elaborated over time. We should also be thinking more seriously about ensuring that safety and soundness requirements for some types of activities--residential mortgage lending comes to mind--apply throughout the financial system, without regard to the regulated status of the lender.
Second, having just noted the promise of measures beyond what I have termed the consensus agenda, I also want to emphasize the importance of its elements. Without better capital requirements, a horizontal approach to supervising the largest financial institutions, and a sophisticated macroprudential complement to traditional bank and bank holding company supervision, the regulatory system is unlikely to deliver on a promise of greater financial stability. Similarly, legislative proposals to make a workable resolution mechanism and prudential regulation applicable to all systemically important firms are necessary to achieving the same goal. Indeed, the resolution mechanism is critical to strengthening market discipline sufficiently so that it can truly take its place alongside rules and supervisory oversight as a strong third pillar of the financial regulatory system.
Third, having made the case for extensive change, I want to add a cautionary note. Even as we improve and reorient regulation, we must not lose sight of the ultimate goal. Today we are all mindful of the economic devastation that can ensue when a financial system goes badly awry. But financial stability alone is not the aim of financial regulation. It is instead a stable financial system within which capital is efficiently directed to creditworthy consumers and businesses who need it, as well as a system that offers good savings and investment vehicles for individuals and organizations.
The implications of this caution are several. I will mention two. One, which we regulators have already taken to heart, is that the effect of new capital and liquidity requirements on lending, and thus on economic recovery and growth, must be carefully taken into account. This is why we urged--successfully, I am pleased to say--that the Basel Committee analyze the whole package of capital changes under consideration from a macroeconomic, as well as a microprudential, perspective before those changes are finalized. Another implication is that it will be unnecessary to apply some regulatory changes to the smaller financial institutions that are far from being able to create systemic risk on their own.
In closing, let me say that regulatory reform will not come to a close once we have enacted our new regulations and legislation. The work of containing systemic risk and the too-big-to-fail problem will need to be adaptive. The perspectives, ideas, and criticisms of those outside the regulatory agencies will remain essential to this work, even if they can sometimes cause some discomfort for those of us within.
1. Basel Committee on Banking Supervision (2009), Strengthening the Resilience of the Banking Sector--Consultative Document (Basel, Switzerland: Bank for International Settlements, December). Return to text


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"Candid" = A spur-of-the-moment, completely candid, non-posed capture.
I have decided that for this week's theme, there is no better photo in my files than this one here.
This has got to be one of my all-time favorites from all my photos. When my parents are visiting, the camera is out all the time and I was snapping away as usual when I managed to catch this look shared between Zoë and her KungKung. Corny phrases come to mind, but there is no mistaking the special bond that these two share. It makes me melt each time I see this.
This week's entries are sure to be very interesting, so do head on over to I ♥ Faces for other "candid" photos!

subset: commoncrawl


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Something you probably didn't know about me (but that my private clients, besties and family do): I have no problem calling things like …continue reading >
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Our Story
The Luxuriant Sedans hail from the fertile musical stomping grounds of the North Carolina Piedmont. The band's five members - Mike "Wezo" Wesolowski (vocals, harp); Ed Bumgardner (bass, vocals); Rob Slater (guitar); Gino "Woo Funk" Grandinetti (guitar) and Larry Carman (drums) - are veteran musicians with experience in myriad musical genres, from alternative music to country-rock to jazz, vintage soul and funk to rock 'n' roll. The common ground for their backgrounds is blues, but The Luxuriant Sedans is no typical fedora-wearing, licks-off-of-records blues band. Rather, the band's deep musical versatility takes the blue soul in its music and adds an element of rock 'n' roll energy that celebrates taste and individuality.
Like its namesake, The Luxuriant Sedans is the prestigious sum of quality parts. For the past decade, Mike "Wezo" Wesolowski has been toasted as the charismatic founder, singer and harp player of Blues World Order, a long-running North Carolina blues band. His harp style reflects traces of such masters as Paul Butterfield, Junior Wells and James Cotton but never stoops to imitation. Wezo's dedication to creating his own sound and approach has made him one of the most distinctive and highly regarded harp players in the Southeast. He appears on many albums - including Blues World Order's The Big Bam - and has performed with such blues icons as Bob Margolin, Cyril Lance and Tom Principato.
Bassist Ed Bumgardner was still in his teens when he began performing with some of the greatest names in soul music and rock 'n' roll. Through the years, his energized deep-groove playing enabled him to support Chuck Berry, Sam and Dave, Bo Diddley, Jr. Walker, Wilson Pickett, Percy Sledge, Ben E. King, and Bobby Keys, among others. He played original rock music and recorded with Fast Annie, MGB, and The Allisons, and led his own soul band, the popular Liquorhouse Soul Revue, for 10 years; musicians from that band have gone on to work with Danny Gatton, Wynton Marsalis, and Prince, among others.
Guitarists Rob Slater (Sneakers, Peter May & The Rough Band, The MoFo's) and Gino Grandinetti (The Allisons, The Honeymooners) bring a wealth of stylistic influences to the music of The Luxuriant Sedans - from "The Three Kings" (Freddie, Albert and B.B.), Billy Gibbons and Michael Bloomfield, to Jeff Beck, Danny Gatton and Robben Ford. Nevertheless, each has developed a distinctive voice and sound. They have the technique and imagination to play anything, but prefer to serve the song, adding color and texture with a judiciousness rare in modern music. They play with explosive improvisational passion, but they also solo with restraint and musicality, turning performance into fresh musical experiences.
Larry Carman has long been recognized as one of the finest and most versatile drummers in North Carolina. He is heralded as a flawless time keeper and a master of groove, whether playing deep-pocket funk, swinging a jazz, Latin, a blues tune or pile-driving an old-fashioned rock song. The Sedans are thrilled to have him behind the wheel and under the hood.
An evening with The Luxuriant Sedans is equal parts top-down cruise, and rumble, sparks and burnout - new, comfortable, exciting...Luxuriant.
Once you've gone Luxuriant, there is no turning back.


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Margaret Cho Is "Fresh Off The Bloat" • SF Pride Chooses 2018 Theme • Service of Remembrance for Those Who Died • "Blade Runner" & "Battle of the Sexes" • Don't Miss Oingo Boingo's Dance Party
As Summer slowly begins to release her grip on California, we are, once again, reminded of how lovely it is to live in Northern California (current, horrific wildfires not included) and how many great things there are to do and see. One such event would be the wonderful Margaret Cho performing at the Crest Theatre in downtown Sacramento. We caught up with the chameleon comedian and you can read all about it on page 14.
Also inside this issue you will find: "Trump Continues Attack on LGBT," "The Life and Art of Tom of Finland," "Finding a Different Path" and "Five French Films at The Crest."
There's also pictures from the Red Dress Party, right here in Sacramento, as well as music, movies, live shows and even an Oingo Boingo Halloween dance party.
Grab a paper issue, view it online or download a PDF to save forever, it's up to you. Thanks for picking us up and we hope you enjoy this issue of Outword Magazine Sacramento.


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Made from a solid block of brass. You know you want one.


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|the international federation of film critics
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Spammers are permanently scanning websites for email addresses. We did therefore remove all email links from our site. In case you wish to use email addresses, please copy and paste them in your mail client. Sorry for this inconvenience — which on the other hand may help to dam up spams.


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We have a running web application created with CakePHP and we're considering implementing the Watson Concept Insights RESTful API.
We didn't find any documentation on your website aside from this page, which lists the API calls.
Could you please point us to any documentation that describes how we could implement the API into our web application? We're specifically interested in how authentication works.
Answer by paulread (711) | Dec 02, 2015 at 03:44 AM
The docs for Concept Insights can be found at https://www.ibm.com/smarterplanet/us/en/ibmwatson/developercloud/doc/concept-insights/
You can follow the link for example app to see how authentication is handled with a Node.js app or there is https://www.ibm.com/smarterplanet/us/en/ibmwatson/developercloud/doc/getting_started/gs-bluemix.shtml which is a general page for Bluemix APIs.
@sbahmed, I forgot to include your id in the original reply but I hope this helps
57 people are following this question.
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|Creating Maine Towns
I started my day with a great presentation, "Creating Maine Towns: How the Wilderness was Tamed" and was so impressed with the dynamic speaker, Carol Prescott McCoy, that I went to see another of her presentations in the afternoon. She talked about all my favorite places, like Sudbury, Canada, which isn't really Canada at all but Bethel, Maine and New Marblehead, which is now the town of Windham, Maine, where I live and teach. She even referenced my ancestor, William Cotton of Woodstock. Carol lives in Brunswick and has a genealogy business called Find Your Roots.
The second presentation was a fascinating case study where she outlined her process in trying to identify the mother of Mary Drummond. Mary's father was quite easy to find, but her mother is a bit of a riddle. Thomas Drummond was an escaped slave who became a clothes dresser (tailor) and town crier in New Bedford, Massachusetts. His story is pretty fascinating as he came to own about $1500 worth of property, a sizable amount for any person in the early 19th century, much less a person of color. He was married twice and the second marriage took place just before or just after his daughter, Mary's birth. The records are conflicting, but the story is really interesting.
In between Carol McCoy's presentations, I went to see Judy Russell's presentation on Women & the Law and although I thought I knew quite a bit about the topic, I definitely learned a lot more. As usual, she had really great examples to illustrate her points. I also went to see Diane Gravel's presentation, "Women in the World of Piracy".
Of course, there was also all the networking, meeting new people, checking out exhibitors, and visiting with my favorite geneabloggers. By the end of each day, my brain is full!


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BANGKOK — The relics and ashes of Thailand's King Bhumibol Adulyadej were enshrined in the royal palace and two temples on Sunday, ending an elaborate five-day funeral for a widely revered monarch who reigned for seven decades.
In the final act of the funeral ceremony, broadcast live nationwide and led by new King Maha Vajiralongkorn, Bhumibol's ashes were transferred from the Temple of the Emerald Buddha to two royal temples.
In an earlier ceremony at Bangkok's Grand Palace, Bhumibol's relics were escorted to Chakri Maha Prasad Throne Hall, where he used to host dinners, receptions and receive the credentials of foreign ambassadors. There, the golden urn of Rama IX — as the king of the Chakri dynasty is known — was interned in the Heavenly Abode, joining the relics of Kings Rama IV, V, VI, VII and VIII.
Bhumibol's Oct. 13, 2016, death at age 88 sparked a national outpouring of grief for a monarch who was regarded by many Thais as a father figure. Yet it also ushered in a sense of uncertainty for people who had grown used to Bhumibol serving as a unifying presence in a country regularly beset by political upheaval.


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Parshall Lady Braves lose two but still on track
Parshall Lady Braves lose two but still on track
By William Wilber
On Feb. 7, the Lady Braves traveled to Turtle Lake to take on the Turtle Lake Trojans. The Lady Braves played well on defense and offense. The two teams were evenly matched. The quarter scores and final reflected that. The first quarter ended Lady Braves 8 and Trojans 11. The Lady Braves fought back to lead at the half, 21 to 19. The third quarter ended with the Lady Braves leading 33 to 30.
The last few seconds of the game were confusion, missed opportunities and bad luck. The score was tied at 38 with about six seconds left and the shot clock running down for the Trojans. With about four seconds left in the game and a few seconds before the shot clock ended, a Trojan player tried a shot that hit the rim. A Lady Brave got the rebound with two seconds in the game. Then the shot clock horn sounded late and in error. The players thought it was the end of the game and the Lady Brave took a step and dropped the ball. She was called for traveling and the Trojans were given the ball under their basket with two seconds left. The Trojans executed one play, managed a basket with no time left and won the game 40 to 38. It was a very tough loss for the Lady Braves.


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non cheesy valentine's day ideas for him
This super-satisfying, vegetarian bean burger makes a cheap and easy after-work meal for all the family, from BBC Good Food magazine bake up the quintessential party mvp with a cheesy nacho bake! our cheesy nacho bake is a twist on the classic ready for prime time and your table. I ve put all your favorites together in this fantastic and easy Cheesy Bacon Ranch Bread! Make it in the oven or on grill - it s your choice! These cheesy pepperoni pizza crescent sticks are a great snack or appetizer to serve, as they are sure to please! A satisfying low-fat soup that won t induce guilt, served with toasts for a taste of luxury from BBC Good Food This easy potato casserole is creamy, cheesy and topped with crunchy Corn Flakes this quick and easy chicken noodle casserole combines three of the best ingredients around cheese, chicken and noodles. I mentioned that my husband and I did the Whole30 back in January, and my husband is this cheesy chicken noodle casserole is fun to. Cheesy Bean Dip made with real cheddar cheese (instead of Velveeta), cream cheese, sour cream, chili beans, and taco seasoning find everything you re looking for in a plate of nachos. Also known as Texas Trash, serve this our nachos with cheesy beef are perfect for game-day or any day, for that matter. These super simple Cheesy Taco Sticks are buttery breadsticks filled with taco meat and lots of cheese! Perfect for snacking or watching the big game! Who can resist the good old-fashioned comfort food at Cracker Barrel? This recipe for Cracker Barrel Copycat Cheesy Chicken and Broccoli Bake is a restaurant remake looking for an easy quesadilla recipe? these cheesy beef quesadillas from delish. Make Valentine s Day special with decadent chocolate desserts from Food Network com are the best! i updated my giant list of clever valentines day sayings! there are now 158 gloriously cheesy valentines day sayings paired with small treats. Get this all-star, easy-to-follow Cheesy Garlic Snack Mix recipe from Patricia Heaton Parties Bake up the quintessential party MVP with a Cheesy Nacho Bake! Our Cheesy Nacho Bake is a twist on the classic ready for prime time and your table


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How to Check Spelling in a Mac Snow Leopard Pages Document
A spelling error can ruin the effect of even a well-designed document. Pages — the Mac OS X Snow Leopard desktop publishing application — can check spelling as you type (the default setting) or check it after you complete your document. If you find automatic spell-checking distracting, you should definitely pick the latter method.
To check spelling as you type, follow these steps:
Click Edit and hover the mouse cursor over the Spelling menu item.
Click Check Spelling As You Type.
If a possible misspelling is found, Pages underlines the word with a red, dashed line.
Right-click the word to choose a possible correct spelling from the list, or you can ignore the word if it's spelled correctly.
To turn off automatic spell checking, click the Check Spelling As You Type menu item again to deselect it.
To check spelling manually, follow these steps:
Click within the document to place the text insertion cursor where the spell check should begin.
Click Edit and hover the mouse cursor over the Spelling menu item; then choose Check Spelling.
Right-click any possible misspellings and choose the correct spelling, or choose Ignore if the word is spelled correctly.


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Become part of an impactful group making a difference in our Community.
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The power to fuse darkness and physical combat. Technique of Darkness Manipulation. Variation of Elemental Combat. Opposite to Photokinetic Combat.
Also Called
- Darkness Combat
- Kagejutsu
- Shadow Combat
- Umbrageous Combat
- Umbrakinetic Martial Arts
- Yamijutsu
The user can fuse manipulation of darkness with physical combat to create a devastating form of martial arts. They can use both direct and indirect attacks, utilizing every patch of darkness or shadow available or create tools and weapons as needed.
- Animated Shadow
- Darkness Aura
- Darkness Manipulation
- Umbrageous Teleportation
- Umbrakinetic Constructs
- Weak against Light Manipulation.
- May be outdone by any other user of a power that creates light (e.g. Fire Manipulation, Energy Constructs, etc.).
- If the user cannot create darkness they will have to use ambient darkness.
Known Users
- Obsidian (DC Comics)
- Ansem (Kingdom Hearts)
- Riku (Kingdom Hearts)
- Terra (Kingdom Hearts)
- Rogue Cheney (Fairy Tail)
- Hachiouji Rui (Code: Breaker)
- Saechika (Code: Breaker)
- Selim Bradley/Pride (Fullmetal Alchemist: Brotherhood)
- Marshall D. Teach (One Piece)
- Gekko Moriah (One Piece)
- Nara Clan (Naruto)
- Umbra (Warhammer 40k)
- Raven (Teen Titans/DC Comics)
- The Exile (Marvel Comics)
- Gor the God Butcher (Marvel Comics)
- Lasombra Clan Vampires (World of Darkness)
- Jonathan Reed (Vampyr)
- Pokemon who can learn "Shadow Punch" (Pokemon)
- "Way of the Shadow" Monks (Dungeons And Dragons)
- Tobio Ikuse (Highschool DxD)
- Rias Gremory (High School DxD); via the Forbidden Invade Balor the Princess
- Connla (Highschool DxD)
Known Objects
- Yami Yami no Mi (One Piece)
- Kage Kage no Mi (One Piece)
Community content is available under CC-BY-SA unless otherwise noted.


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I read an article last December (2016) that confused me. It appeared on the Business Insider website. What I found confusing is that Business Insider, as noted on its "About" page, "is a fast-growing business site with deep financial, media, tech, and other industry verticals." So why, then, would it feature an article and video by Joe Avella discrediting the Bible? From where does its expertise in this matter come? Since when does a publication named Business Insider have anything to do with religious matters? Unless the subject is how the clergy are bilking the congregation or how the clergy scandalous mismanage donations for their own personal profit, it seems completely out of place that a business-focused publication would run a commentary on the Bible's authenticity.
I wrote Mr. Avella, but he never responded. Just for the record, the article and accompanying video play into general misconceptions whose only intent is to discredit the Bible. Contrary to those claims is much more authoritative research helping readers to appreciate the rich value that the Bible brings.


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Contact us | Directory | Newsletters
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(January 2019) Allowances for students have been raised. See the Writing Guide for more details.
The Collaborative Research Grant Program covers work that may include studies, analyses, design or development carried out according to a scientific process and likely to contribute to the advancement of knowledge. This work is defined in collaboration with the IRSST and falls within the priority themes.
Collaborative Research grant proposals are drafted by the researchers in consultation with the leader of the research field in question.
An applicant who files an application as a principal investigator must be a Canadian citizen or permanent resident of Canada, hold a doctorate or the equivalent, and hold a position as a professor or teacher in a Québec post-secondary educational or research establishment.
The principal investigator is responsible for the intellectual direction of the proposed research, performs the administrative duties related to the grant, and acts as the contact person with the IRSST. Only one person may play this role.
Application for funding is a two-step process.
August 12, 2019
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text: I know, it's really cheap to try to make up an entry here just because I enjoyed another web page. But I was in need of cheering up today – getting over jetlag and a rather sleepless night with Toby, who seems to have picked up a cold and is not happy – and this page of The Onion In History is a complete classic. Hope you also enjoy it.


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Thursday, 3 September 2015
Neoclassical building to become Edinburgh hotel
Edinburgh's listed former Royal High School is to become a luxury hotel. Its location, history and architecture look certain to attract plenty of demand. To be managed by the Rosewood group, the property will be on Calton Hill, bang in the centre of the Scottish capital. The building, designed by Thomas Hamilton, was completed in 1829. Modelled on the Athens Hephaisteion, it is regarded as Scotland's finest example of the Greek revival style. Former pupils of the school included Alexander Graham Bell and Sir Walter Scott. After the school vacated it in 1968 it was earmarked twice as the seat of a Scottish parliament, which would up eventually in purpose built home. The hotel is scheduled to open in 2018 with 147 rooms - many offering views of the city - a spa, fitness centre and an indoor swimming pool.
Posted by Roger Bray at 18:16
Labels: News
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Comtech Telecommunications Corp. Received $5.5M Of Orders for the U.S. Navy's Advanced Time Division Multiple Access Interface Processor Terminals
Comtech Telecommunications Corp. (NASDAQ: CMTL) announced today that its Tempe, Arizona-based subsidiary, Comtech EF Data Corp., completed its formal Design Verification Tests and received its first $4.3 million production order and additional funding of $1.2 million for engineering services for Advanced Time Division Multiple Access (TDMA) Interface Processor (ATIP) terminals from the Space and Naval Warfare Systems Command (SPAWAR). The potential contract value, which is currently $29.8 million, is now funded in the aggregate amount of $16.1 million. The ATIP terminals will replace the Navy's legacy TDMA Interface Processor. The ATIP is a Layer-2 Ethernet bridging device that will be installed on ship, shore and submarine platforms in the Navy Multiband Terminal (NMT).
Under the terms of the previously announced multi-million dollar contract, Comtech EF Data was contracted to develop and provide engineering services including software design and development, test and evaluation support and on a cost-plus basis. This order is the first of multiple orders expected for the actual production of the terminals.
Fred Kornberg, President and Chief Executive Officer of Comtech Telecommunications Corp. commented, "This is an exciting time in the ATIP program for Comtech. These next generation ATIP devices will help expand the functionality and capabilities of the U.S. Government's Protected MILSATCOM network."
Comtech EF Data Corp. is the recognized global leader in satellite bandwidth efficiency and link optimization. The advanced communication solutions encompass the Advanced VSAT Solutions, Modems, RAN & WAN Optimization, Network & Bandwidth Management and RF products. The Company is recognized as a technology innovator, and has a reputation for exceptional product quality and reliability. The solutions enable commercial and government users to reduce OPEX/CAPEX and to increase throughput for fixed and mobile/transportable satellite-based applications. For more information, visit www.comtechefdata.com.
Comtech Telecommunications Corp. designs, develops, produces and markets innovative products, systems and services for advanced communications solutions. The Company believes many of its solutions play a vital role in providing or enhancing communication capabilities when terrestrial communications infrastructure is unavailable, inefficient or too expensive. The Company conducts business through three complementary segments: telecommunications transmission, RF microwave amplifiers and mobile data communications. The Company sells products to a diverse customer base in the global commercial and government communications markets. The Company believes it is a market leader in the market segments that it serves.
Certain information in this press release contains statements that are forward-looking in nature and involve certain significant risks and uncertainties. Actual results could differ materially from such forward-looking information. The Company's Securities and Exchange Commission filings identify many such risks and uncertainties. Any forward-looking information in this press release is qualified in its entirety by the risks and uncertainties described in such Securities and Exchange Commission filings.
Posted-In: News Contracts Press Releases
© 2019 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


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Funding Sources for Graduate Students
UC Davis offers various types of financial assistance. Both prospective and continuing graduate students are encouraged to apply. Merit-based support includes fellowships, scholarships, and nonresident tuition fee fellowships that are administered by the Office of Graduate Studies. Need-based support includes grants, loans, and work-study employment administered by the Office of Financial Aid. Individual departments/schools administer graduate student academic employment, such as teaching or research assistantships. Listed below are the various categories of support for fellowships and graduate scholarships.
Fellowships and Graduate Scholarships: Fellowships and scholarships are awarded primarily on the basis of scholarship and promise of outstanding academic and professional contribution, or a combination of merit and need. If the student is a US citizen or a permanent resident alien, the student is eligible for most of the awards. The application for fellowship, and all supporting documentation, must be on file by the deadline. A current FAFSA is required for all fellowship and scholarship awards. For more information see: http://gradstudies.ucdavis.edu/ssupport/internal_fellowships.html
Graduate Financial Aid: Financial assistance may include loans, grants, and work-study employment. These funds must be used for education-related expenses and are intended to supplement the student's own earnings, family assistance, fellowship, or scholarship aid. Financial aid is not available for applicants in non-degree programs. FAFSA applications are available online at www.fafsa.ed.gov in January. FAFSAs should be filed as early as possible to allow for Fellowship consideration. The student need not wait for formal admission into a graduate program to apply for financial aid.
Departments/Schools: Departments and schools
administer Teaching Assistantships (TA) and Graduate Student
Researcher (GSR) positions to full-time students. TA and
GSR positions are normally either for 25 or 50 percent time
employment on a quarterly basis. Teaching Assistantships provide
an Educational fee remission, while GSR positions provide a full
fee remission.
The School of Education offers teaching assistantships for several courses offered during the academic year. The call for Teaching Assistantships will be announced via email and an electronic application will be provided with the call. Students must be registered as full-time students and have a minimum GPA of 3.0 in order to hold a T.A. appointment. Students may not hold a TA appointment after 10 quarters of enrollment unless they have advanced to candidacy.
GSR positions are offered through individual faculty members and have no standard award deadline.


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A courageous employee (or a foolhardy one, depending on your perspective), today (Jan. 31) live-tweeted on the company's Twitter account as her employer HMV laid off 190 workers. Employee Poppy Rose later explained that she was the intern who created the account two years ago and has been HMV's social media spokeswoman during that time.
This was no Twitter hijack as was widely reported, according to Rose's explanation made on her personal Twitter account. "Just to set something straight, I did not 'hijack' the hmv twitter account," she tweeted. "Actually assumed sole responsibility of Twitter & Facebook over two years ago."
The corporate tweets were removed, but not quickly enough for screenshots to be spread over the Internet. Memes have begun — Quickmeme has a "that'd be great" meme posted on its homepage from the movie "Office Space" — but posts to Reddit , Tumblr and Instagram have already dropped off.
Today'sjob cuts weren't the first for the beleaguered music and movie store, and may not be the last. Rival Blockbuster UK filed for bankruptcy earlier this month.
Poppy Rose said she hopes her actions today will teach her employer a lesson about the importance of social media. But Rose herself may find out the value of social media for finding a new job.
- 10 Best Twitter Hashtag Hijacks
- 10 Ways Cinegram Trumps Twitter's Vine Video App
- 10 Most Embarrassing Company Tweets
© 2012 TechNewsDaily


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Curaçao North Sea Jazz Festivalin the category "Music Festivals". Takes place from August 30, 2018 to September 1, 2018 in Willemstad, Curacao.
This country invites you to 1 festival. They take place in 1 city and allow to participate in a wide array of events to suit any taste. This country hosts a bunch of extraodrinary festivals and events that can be considered major tourist attractions as tourists from all over the world come to witness them.
With our festival calendar you will learn about the most exciting festivals that take place in Curacao. Interesting customs and traditions, bright colors and an unforgettable experience are waiting for you!


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Athletes of the Year
Male Student-Athlete of the Year: Cody Pearcy
Female Student-Athlete of the Year: Aleah Payne
Male Scholar-Athlete of the Year: A.J. Swift
Female Scholar-Athlete of the Year: Bree Giordana
John McWilliams Sportsmanship Award: Christian Vick
Megan Cook Memorial Award: Aleah Payne
Distinguished Service Award: Greg Russ
Team Captain Award: Joseph Odom
Team Captain Award: Caleb Astin
Academic Excellence Award: Jordan Green
Great South Athletic Conference Awards
Team: GSAC Champions (regular season and tournament)
Freshman of the Year: Grant Lowman
Coach of the Year: D.J. Conville
All-Conference: John Rice, Joseph Odom, Austin White and Grant Brown
All-Freshman Team: Grant Lowman, Jordan Freeman and Tyler Spivey
All-Academic Team: Evan Agnew, Cory Belyeu, Will Davis, Tate Fowler, Jordan Green, Grant Hayes, Josh
Knuth, Cameron Lewis and Hunter Smith
Sportsmanship Award: Hunter Smith
Men's Basketball
Team Captain Award: Mike Kilpatrick
Team Captain Award: D'Awvalo Turnipseed
Team Captain Award: Jeremiah Thomas
Academic Excellence Award: Mike Kilpatrick
Great South Athletic Conference Awards
All-Conference: Jeremiah Thomas and Jason Varney
All-Academic Team: Mike Kilpatrick and Cody Tackett
Sportsmanship Award: Mike Kilpatrick
Women's Basketball
Team Captain Award: LaTerial Williams
Team Captain Award: Jessi Andrews
Team Captain Award: Whitney Toole
Academic Excellence Award: Katie Martin
Great South Athletic Conference Awards
All-Conference: Morgan Crawford
All-Freshman Team: Patricia Pickens and Chelsea Graham
All-Academic Team: Morgan Crawford, Jessi Andrews, Jasmine Holcey, Katie Martin, Alyssa McCurry,
Sportsmanship Award: Jessi Andrews
Men's Cross Country
MVP: Jeff Jenkins
Heart Award: Alex Dunkel
Academic Excellence Award: McDowell Pinckard
Great South Athletic Conference Awards
Team: GSAC Champions
Runner of the Year: Jeff Jenkins
Coach of the Year: Nate Rucker
All-Conference: Jeff Jenkins
Sportsmanship Award: Drayton Rodgers
Women's Cross Country
MVP: Caitlin McMahon
Heart Award: Carly Williamson
Academic Excellence Award: Jackie Daniels
Great South Athletic Conference Awards
All-Conference: Caitlin McMahon and Sheaney Marshall
All-Academic Team: Jackie Daniels, Brianna McClure, Caitlin McMahon, Chala Monk, Rachael Phillips and
Carly Williamson
Sportsmanship Award: Brianna McClure
Team Captain Award: Eric Stroud
Team Captain Award: Cody Pearcy
Team Captain Award: Keith Anthony
Team Captain Award: Kirk Johnson
Academic Excellence Award: A.J. Swift
Additional recognition
D3football.com All-American: D. J. Chappell (Honorable Mention)
D3football.com All-South Region: D.J. Chappell (First Team)
D3football.com All-South Region: Trevor Manuel (Second Team)
D3football.com All-South Region: Keith Anthony (Third Team)
D3PRODAY.com preseason All-American: Keith Anthony (First Team)
D3 Senior Classic preseason All-American: Cody Pearcy (First Team)
D3 Senior Classic preseason All-American: Keith Anthony (Second Team)
Men's Golf
MVP: Sam Strachan
Top Freshman: Steven Smith
Back 9 Award: Thomas Mitchell
Academic Excellence Award: Griffin Just
Additional recognition
Team: Finished 10th in NCAA Division III National Championship
Second-Team All-American: Sam Strachan (tied for 9th in National Championship)
Second-Team All-American: Thomas Mitchell (tied for 12th in National Championship)
Great South Athletic Conference Awards
All-Conference: Sam Strachan, Thomas Mitchell and Jamey Lester
All-Freshman Team: Thomas Mitchell
All-Academic Team: Griffin Just
Sportsmanship Award: Sam Strachan
Women's Golf
MVP: Saem Hur
Back 9 Award: Alex Foster
Hardest Worker Award: Ali Hamil
Academic Excellence Award: Kaitlin Rozof
Great South Athletic Conference Awards
All-Conference: Saem Hur
All-Academic Team: Kaitlin Rozof and Saem Hur
Men's Lacrosse
MVP: Steven Gernatt
Most Improved Award: Alex Taylor
Unsung Hero Award: Spencer Nix
Academic Excellence Award: Brandon Sewell
Men's Soccer
MVP: Dallas Thomas
Leadership Award: Louis Hines
Breakthrough Player of the Year: Rusty Cowley
Academic Excellence Award: Louis Hines
Great South Athletic Conference Awards
Freshman of the Year: Atli Johannsson
All-Conference: Atli Johannsson
All-Freshman Team: Atli Johannsson
All-Academic Team: Louis Hines and Chris Blight
Women's Soccer
MVP: Jenny Burnash
Unsung Hero Award: Kate Garrigan
Colleen Platt Walker Inspirational Award: Caitlyn Demouy
Academic Excellence Award: Bethany Martin
Great South Athletic Conference Awards
All-Conference: Jenny Burnash and Ginger Tyson
All-Freshman Team: Jessica Salinas
All-Academic Team: Molly Crossno, Kate Garrigan, Bethany Martin, Savannah Rivers Barber, Jaden
Rountree and Ginger Tyson
3-D Award: Brittany Richardson
Captain Award: Aleah Payne
Academic Excellence Award: Bree Giordana
Additional recognition
Team: advanced to NCAA Regional for first time
Great South Athletic Conference Awards
Team: GSAC Champions (regular season and tournament)
Pitcher of the Year: Bree Giordana
Player of the Year: Aleah Payne
Coach of the Year: Gynger Williams
All-Conference: Bree Giordana, Brittany Richardson, Lauren Welch, Aleah Payne and Holly Ostrander
All-Academic Team: Lauren Welch, Kristi Taylor, Bree Giordana and Aleah Payne
Sportsmanship Award: Kristi Taylor
Men's Tennis
Team Captain Award: Larry Pritchett
Coaches' Award: Lee Howell
Best Newcomer Award: Zac Baldwin
Academic Excellence Award: Tyler Creamer
Great South Athletic Conference Awards
Team: GSAC Champions (tournament)
Freshman of the Year: Zac Baldwin
GSAC Tournament MVP: Lee Howell
All-Conference: (Singles) Tyler Creamer, Sean Jackson and Larry Pritchett
(Doubles) Zac Baldwin-Sean Jackson
All-Freshman Team: Zac Baldwin and Lee Howell
All-Academic Team: Tyler Creamer and Larry Pritchett
Sportsmanship Award: Zac Baldwin
Women's Tennis
Team Captain Award: Christian Vick
Best Freshman Award: Taylor Clark
MVP: Katie Scott
Academic Excellence Award: Christian Vick
Great South Athletic Conference Awards
Freshman of the Year: Taylor Clark
All-Conference: (Singles) Taylor Clark, Katie Scott, Hannah Still, Christian Vick and Arielle Barraca
All-Freshman Team: Taylor Clark and Hannah Still
All-Academic Team: Christian Vick and Katie Scott
Sportsmanship Award: Christian Vick
Women's Track and Field
Heart Award: Kierra McClain
Academic Excellence Award: Bianca Scott
Hustle Award: Alyssa Eason
Offensive MVP: Abby Brown
Defensive MVP: Ashlee Walters
Academic Excellence Award: Abby Carter
Great South Athletic Conference Awards
All-Conference: Alyssa Eason and Abby Carter
All-Academic Team: Allyson Brislinger, Abby Carter, Alyssa McCurry, Samantha Morris, Mallorie
Richardson and Ashlee Walters
Sportsmanship Award: Alyssa Eason
Hawks Spirit Award: Rebecca Hunter
Dedication Award: Gabrielle McKinney
Freshman of the Year: Elise Allen
Academic Excellence Award: Sherry Leigh Lacy


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- $$
- Delivery, Kid Friendly, Patio/Sidewalk Dining, Private Party, Takeout, Vegetarian Friendly, Wheelchair accessible
- Breakfast, Dinner, Lunch
- Parking Lot Available
- Reservations Not Necessary
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Hi everyone! I've been busy with life things and haven't been working on anything I thought was worth posting, but I have been doing little drawings in my sketchbook. I wanted to check in here and say "hello", so I'll go ahead and post a few sketches. These are all drawn quickly in ballpoint. I'm liking ballpoint more and more! No smudging, no sharpening, no stopping to dip a pen!
Sunday, March 31, 2013
Tuesday, March 19, 2013
Illustration Friday: "Eye Glasses"
It seemed to me to be time to draw a duck! To fit this week's theme, I had to give him some glasses. But I think I forgot to tell him what to do with them! This guy is a "tiny", what I affectionately call my 2.5" x 3.5" art cards, in ink and colored pencil.
Tuesday, March 12, 2013
Illustration Friday: "Yesterday"
This week's prompt gave me a perfect reason to complete my "1920s girl" project! The sketch, which was posted on this blog a while back, seems like it's been sitting around forever. I wanted the image to be soft but still have lines and edges, and black and white but still with color. So I decided to use colored pencils, which worked perfectly I think.
Posted by Laurie A. Conley at 9:11 AM 19 comments:
Labels: 1920s, 1920s girl illustration, 1920s glamour, 1920s starlet, 1920s wave hairstyle, 1920s woman illustration, art deco illustration, Illustration Friday, Marcel wave hair style
Friday, March 8, 2013
More Ballpoint Sketches
Here's an idea (or two) I was working on yesterday in my sketchbook. The sun was there first but got overrun by the bigger drawing! These are drawn with black ballpoint pen and I think if I do a finished version I'll stick to ballpoint. I love it.
Monday, March 4, 2013
Illustration Friday: "Talent"
|Betsy Ross, 2.5"x3.5", ink with watercolor
Betsy Ross was a talented artisan and businesswoman. A trained upholsterer, she maintained a successful upholstery business throughout her life. One interesting place to learn about Betsy online is at the Betsy Ross House website here.
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Any Optician in Beverly Hills California have their eye on top spots in directory or search engine listings? Here's a way to set your practice above the rest with a definitive domain name. Hyper local search is the key these days and you will be the obvious winner.
Make offer or buy them both right now for $1999.00
In Beverly Hills… they don't throw their garbage away. They make it into television shows.
-Woody Allen


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Title: Emerald Eyes (Bloodrose Series)
Author: Julia Talbot
Release Date: September 23, 2015
Genre(s): Paranormal
Page Count: 92
Reviewed by: Kristin
Heat Level: 4 flames out of 5
Rating: 3.4 stars out of 5
When Jonny, the owner of club Bloodrose finds out his shifter mate Luc has a twin brother, he decides Yves needs protection from the bad guys who have tried to kill Luc. He sends Reuben, a werewolf security agent, to keep Yves safe from the killers. And from Yves himself.
Reuben has never met someone as determined to find trouble as Yves. The guy has this obsession with a set of emeralds, a dead younger brother, and some kind of demon ritual. All of this should make panther shifter Yves a bad bet as a mate, but that doesn't keep Reuben from falling hard. Can he and team Bloodrose keep everyone alive long enough to convince Yves they're made for each other?
Author note: While the story can stand alone, this book is best when read as a sequel to Belling the Cat.
This was more fleshed out character-wise than Belling the Cat, but at the same time, provided a great deal of background information for Luc's past while staying firmly rooted in the present. All the favorite Bloodrose characters are there.
This is also a fast and fun read – easily finished in day or lazy afternoon. I love dry and witty humor sprinkled throughout. Just be careful about chuckling out loud around others – very embarrassing to have to explain why.
I enjoyed this simply for enjoyments sake. This isn't an emotionally in-depth book – expect to be pulled along for a very merry werewolf and werecat exchange.
Overall, Recommended if you've read Belling the Cat first. Plan on reading in one sitting. Contains droll humor, hot vampire/werecat/werewolf action, matching werecat brothers, and one wolf who's fallen in love.


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To Grandmas and Grandpas: I'll go through as many photos as I can but there are a lot, I may break it up into three parts. We opened whatever the kids picked in whatever order was picked, so if you don't see gifts that you sent, be patient, I'm sure we've got them and they were opened and are currently being loved. 😉 Thank you notes are coming in January! We love you! Merry Christmas!
Here we go…
Christmas Morning @ 8am… (I KNOW! 8am? What kind of kids ARE THEY? I told Cam to enjoy it while he can as I can guarantee we won't ever be allowed to sleep this late on Christmas morning again!)
The kids finding their "Santa" gifts. Dunc's awesome reaction, gotta love it. 🙂
Olivia & Rachael's "Santa" gift this year was this baby cradle that turns into a changing table and has a highchair on the side. Santa confided in me that this was a HUGE PAIN IN THE BEHIND to put together.
The coveted Iron Man. Even Olivia wants one now.
Once Rae discovered what Santa had filled her stocking with, she got to work on devouring it all. (Note the cute PJs from Christmas Eve and the Tinkerbell Pez dispenser that she's STILL carrying around as of the next morning, lol.) The whole let's-open-presents-first idea did not fly with Rae.
After a few minutes of shoving her face full of food, we tried some presents.
Yeah. That's not food. Or a bow.
Ohhh, thank you. MORE FOOD. (Thank you for the left-behind bagels, Papa.)
Olivia got a Cuttlekids as one of her gifts this year. She had so much fun when I got my Cuttlebug, that when I saw this on sale at Robert's – I jumped at it. 🙂
Okay, I didn't jump on it. I just grabbed one and put it in my cart.
Cars Dominoes! 🙂
"The Same" gifts, Duncan's Cars clock and Olivia & Rae's Princess clock.
Duncan: "A light!" (They have LED lights around the interior.)
Liv: "Princess!"
Rae: "Is that a piece of food on the floor? I should eat it."
Bagel in hand, and no new food or bows in sight, she is SO done.
We're way past nap time at this point, "Naanaa" has been mentioned numerous times by the whiny wee one. We started turbo opening baby presents so baby could take a Christmas morning nap while the rest of us finished our gifts off.
Ooh. Nice look, Rae. 😛
Attempting to get Rae into the idea of opening something, we went for a tissue-paper wrapped gift – maybe the sound would intrigue her?
Thanks Mom & Todd! 🙂
We tried a toy gift again, this time it actually worked. 🙂
And with that lovely little photo of a child who might actually appear as if she's enjoying Christmas… I'm taking a break! More tomorrow! 🙂


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Botschaft Usbekistan
Perleberger Str.62
10559 Berlin
Phone: +493039409813
Fax: +493039409813
On September 20, President of the Republic of Uzbekistan Shavkat Mirziyoyev met with the President of the World Bank Group Jim Yong Kim, in New York.
The Head of our state emphasized that the World Bank is a reliable and strategic partner of Uzbekistan.
Constructive contacts have been established between this bank and the financial institutions of our country. At present, mutual cooperation covers the energy, irrigation and municipal sectors, development of transport and social infrastructure, processing of agricultural products.
27 important projects are included in the joint program of cooperation up to 2020, adopted last year. Their total cost is 4 billion dollars, of which 3 billion dollars are loans from the World Bank.
At the meeting it was noted that the Concept of administrative reform has been adopted in our country, systematic work is being implemented on reduction of participation of the state in the economy and fight against corruption.
It was especially emphasized that, based on the recommendations of the International Monetary Fund, market mechanisms in the monetary sphere have been introduced, various barriers to trade have been removed, further improvement of business environment and investment climate has been observed.
President of our country emphasized that the great experience of the World Bank is of great importance in implementation of these reforms, Uzbekistan is a supporter of further development of cooperation with the bank.
Issues of cooperation in introduction of an effective system of microfinance in our country, modernization of irrigation and drainage, road transport infrastructure, development of the agro-industrial complex and other spheres were discussed.
President of the World Bank noted that measures taken in Uzbekistan on improvement of banking and financial system, further improvement of favorable business environment and the investment climate will serve to development of business.
Concrete proposals on further expansion of mutual cooperation, promising projects in this direction were discussed during the negotiations.
As a result of the meeting, Uzbekistan and the World Bank signed documents on financial and technical cooperation for a total amount of about 500 million dollars.


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Tennis court included, obviously.
Johnny Mac is selling his seven-bedroom Hamptons abode. The tennis commentator and his wife, Patty Smyth, recently listed their 7,500-square-foot Southampton house at 11 Squabble Lane. (We'll refrain from the obvious jokes to be made about an world-class tantrum thrower living on Squabble Lane.)
The couple paid $4.2 million for the property in 1999, according to StreetEasy, and are now asking $14.5 million for it. The estate is located in the Murray-McDonald Compound, which used to be owned by Standard Oil baron Henry Rogers, and is set on two acres. In addition to a master suite with two bathrooms and a balcony, there are seven additional bedrooms and bathrooms located throughout the house, which is built with separate wings for privacy. A Har-Tru tennis court, Gunite swimming pool, and deeded beach access are also part of the deal.
The McEnroes reportedly also own three tower penthouses in the Beresford on NYC's Upper West Side and two houses in Malibu—one of which is directly on the beach.
From: Town & Country US


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To coincide with the 100th anniversary of the Gallipoli landing, the Genesian Theatre Company in Sydney's Kent Street has selected "Simpson, J. 202" as its latest production.
An inspiring and deeply moving story about a larrikin lad who became an Australian icon, the play written by acclaimed Australian playwright Richard Beynon, is the extraordinary story of John Simpson, the man with the Donkey at Gallipoli.
Ryan Bown brings charm and passion to his emotional performance in the title role as Jack Simpson Kirkpatrick.
Julia Kennedy Scott as Jack's mother, Sarah Kirkpatrick and Penelope Berkemeier as his sister Annie both convey the feelings of helplessness and worry that those left behind to keep the home fires burning experience.
Robbie Robertson who plays Charles Cosgrove also gives the audience an emotional and gripping performance as the soldier who shares his tent with Jack Simpson. When they first meet, neither man knows of the horrors they are soon to experience when they reach the battlefront.
Rob White brings a spot of comic relief as Sergeant Hookway, the person tasked with trying to turn Jack Simpson into a soldier.
Directed by Mark Gerard Nagle, who is also the set designer. The action takes place on a split stage, with one half permanently set as the Kirkpatrick family's kitchen/living room and the other side, a blank space with a white curtain where all the other action occurs, from life in the barracks to the battlefields of Gallipoli. This works very well.
On Saturday 25 April there is an Anzac Day matinée at 3.30 p.m.
Playing until 2 May on Friday and Saturday nights at 8 p.m. with a Sunday matinee at 4.30 p.m. The performance runs for 2 hours 15 minutes, plus interval.
This is a must see for all Australians, both young and old.
Sandra Tiltman Photos: John Pond


text: Transfer Gossip BVB excuse Subotic from training to find new club Neven Subotic has been excused from Borussia Dortmund's training in order to find a new club, fastening the club's overhaul under Thomas Tuchel. Borussia Dortmund confirmed on Thursday on Twitter that Neven Subotic has been excused from training in order to negotiate with potential buyers. According to Kicker the centre-back is looking for a new employer in England to bring his current club a payday above €10 million. .@hartw_k @NSubotic4 wurde vom Training freigestellt, um Verhandlungen mit einem möglichen neuen Verein führen zu können. — Borussia Dortmund (@BVB) July 7, 2016 Subotic, who has joined the club together with Jürgen Klopp from Mainz in 2008, holds a valid contract until 2018. Sportbild has linked him with Arsenal, while English media has linked the defender with a move to AFC Sunderland, who Dortmund will face in a preseason friendly on August 5. Rumours suggesting reunion with Jürgen Klopp at Liverpool are lurking around the corner as well. The 27-year-old Serbian international would leave the Westfalenstadion with a heavy heart after eight years of service, being yet another victim of Tuchel's overhaul. Subotic, who once was the undisputed centre-back partner of Mats Hummels throughout Dortmund's title-winning years, has fallen behind in the pecking order behind Sven Bender and Sokratis Papastathopoulos due to his limitations in build-up play. The Serb has struggled to find his way to a starting spot ever since suffering a ligament tear in 2013. Though the two times German Champion, Cup winner and Champions League finalist has too much quality to spend his best footballing years on the Dortmund bench, making a transfer somewhat inevitable. Dortmund fans can only hope that Subotic will find regular playing time at a club with European football on offer. Borussia Dortmund would lose an extraordinary personality and role model in Subotic, who made 258 appearances across competition for the club. Stefan Buczko Editor-in-chief and Host of the Yellowwallpod. Freelance football writer, currently writing for ESPN FC. July 7, 2016


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The ENVI Committee will hold an exchange with the Executive Vice President for the European Green Deal Frans Timmermans. The exchange will take place during an extraordinary meeting on Monday 16 December in the evening (starting approximately at 20:10) in Strasbourg.
Dr. Hans Bruyninckx, Executive Director of the European Environment Agency will be in ENVI to present the SOER 2020 and debate with ENVI Members. The exchange will take place on Monday 16 December 2019 at 19:00 in Strasbourg. The presentation takes place in the framework of the annual exchange of views between ENVI and the EEA.
The European Commission was set to unveil its Communication on the European Green Deal on Wednesday. An extraordinary plenary session has been organised between 14:00 and 16:00 to present the Commission's blueprint to make the EU the trend-setter when it comes to sustainability and the fight against climate change. The project was presented to MEPs by Ursula von der Leyen, president of the European Commission, and Commission Vice-President Frans Timmermans.
An official European Parliament delegation will take part to the UN Climate Change Conference COP 25 between 10 and 13 December. The COP 25 will take place between 2 and 13 December in Madrid under the Presidency of the Government of Chile. 16 MEPs will be part of the EP delegation which will be headed by ENVI first Vice-Chair Bas Eickhout.
On 4 December, the AGRI Committee, in association with the ENVI committee, organised a public hearing on the reform of the Common Agricultural Policy (CAP). This meeting took place during the current legislative work on the CAP beyond 2020. It addressed the components of the CAP reform package, as amended by the AGRI Committee, which might be appropriate for further consideration.
MEPs push for high ambitions at the COP25 in Madrid
A delegation from the European Parliament arrives in Madrid today to participate in the COP25, where they will meet with key stakeholders in the negotiations.
MEPs call for a reduction in pesticides to protect bees
Further reducing use of pesticides, more funds for research and better monitoring are urgently needed to save the EU's bees, says the Environment Committee.
Biodiversity: MEPs call for legally binding targets, as for climate change
Next year's UN biodiversity conference, the COP15, should be the biodiversity equivalent of the Paris agreement on climate change, says the Environment Committee.
Welcome to the ENVI Committee website.
With 76 Members, ENVI is today the largest committee in the European Parliament. This is a strong symbol and a clear signal underlining the need for the EU to move forward faster and with more ambition to fight against climate change.
During this mandate, we will work towards generating the legislative framework to achieve carbon neutrality in Europe by 2050. We will push for an ambitious Green deal to be proposed to all European citizens to achieve the much-needed transition to a greener economy. We will make sure this transition is fair and just and to the benefit of all citizens.
We will also continue to work on other policy priorities: biodiversity, the circular economy, public health, food safety, air and water quality, the use of chemicals and pesticides - just to name a few. We will also closely scrutinise the implementation of policies we have agreed to.
On this page you will find a great deal of information about our Committee. I am committed to the highest level of transparency so as to increase citizens' understanding and participation in our work.
Pascal Canfin
Valutazione delle opzioni di politica scientifica e tecnologica per il Parlamento europeo


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Just like for Alice, Spain's farcical kickback and bribery scandal's rabbit hole just keeps getting deeper. This morning El Pais reports that the alleged providers of payments to the government (via the kickback fraud) - known as 'Gurtel' - received an unprecedented EUR115mm in government contracts. With more than 70 people facing charges ranging from money laundering to bribing a public official, Rajoy's efforts at coming clean have fallen on deaf ears as 79% of Spaniards are dissatisfied with the explanations. This follows a weekend of disclosures including the fact that Rajoy gave himself a 32% pay rise up to 2011 as he push austerity down the throats of his people. As El Pais notes, "...The only thing that is clear is that most of the recipients of payments on the former treasurer's list have admitted that they accepted money in cash...." The sad political truth is, as Deutsche notes, the likeliest course of action at this stage, in our view, is that on the basis of the internal investigation, Rajoy may go as far as letting go some members of his cabinet, but we think that he will protect the "hard nucleus" of his administration and will not resign. It appears, as they note, that the Spanish government's room for maneuver (over further austerity) is significantly diminished.
Via El Pais (weekend),
Between 2006 and 2011, Rajoy's salary from the Popular Party (PP) rose from an annual gross 146,000 euros to 200,000 euros,
On Saturday, Rajoy did not mention Bárcenas' papers. He merely said he never took black money, yet did not deny that payments were made. But Bárcenas' ledgers show that secret payments to party leaders ended in 2008, precisely when Rajoy began declaring significantly more income from the PP.
About 79% of polled are dissatisfied with Rajoy's explanations in reaction to government corruption allegations, according to a Metroscopia poll for El Pais newspaper
96% say corruption allegations should be considered and studied seriously
72% say politicians involved in allegations should resign
"...The only thing that is clear is that most of the recipients of payments on the former treasurer's list have admitted that they accepted money in cash...."
Via El Pais (today),
The benefit of a few was to the detriment of the many. The corrupt business ring known as Gürtel obtained over 115 million euros in contracts from public agencies as well as local and regional governments under Popular Party (PP) rule, according to an ongoing investigation.
That is without counting all the private contracts that the PP awarded the business conglomerate headed by Francisco Correa ("correa" translates as "belt" in English and "Gürtel" in German). The ransacking of taxpayers' money could be even greater, though, as the investigation has not concluded yet, four years after Correa's arrest.
More than 70 people face charges ranging from money laundering to bribing of public officials in a major case of political corruption involving the PP.
The investigation shows that the hefty profits were shared out among members of the ring and some of the politicians who helped them secure the contracts.
Millions of euros were also concealed from the tax authorities. Correa has declared himself without income for the last 12 years, and is thought to have cheated the state out of an estimated 18 million euros in income tax alone between 2002 and 2007.
The regions of Madrid and Valencia were the ring's main theater of operations. The towns of Majadahonda, Boadilla, Arganda and Pozuelo de Alarcón, outside the capital, were havens of corruption for years, according to the report. In Majadahonda alone, Gürtel businesses were awarded nearly 3.5 million euros' worth of public contracts between 2001 and 2005.
The Gürtel network first came to light in 2009, when EL PAÍS obtained information on a judicial investigation being led by the since-suspended Judge Baltasar Garzón. The highest-profile trial related to the probe was that of former Valencia premier Francisco Camps, who was acquitted of taking bribes by a jury.
Deutsche Bank's thoughts on the process and outcome:
Rajoy is fighting the allegations - denying the accusation and threatening judicial action against those making those allegations and making public his own financial records. The whole matter is now no longer a merely journalistic event, but has moved to a judicial investigation - the original documents published by El Pais have been transmitted to the Madrid tribunal. The proceedings could take several months, maybe more. ABC newspaper on 8 February reported the following statement by Spain's attorney general, Eduardo Torres-Dulce: "Justice needs to go fast, but not impossibly fast". In the meantime, PP is conducting an internal investigation.
The likeliest course of action at this stage, in our view, is that on the basis of the internal investigation, Rajoy may go as far as letting go some members of his cabinet, but we think that he will protect the "hard nucleus" of his administration and will not resign.
Still, in any case, we think that the room for maneuver of the Spanish government has significantly diminished. In particular, the capacity for Rajoy to "sell" additional austerity measures or transitorily painful structural reforms is now lower.


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Nested Portlets
Nested Portlets
GAIL Conference - Fort Williams
We started the day off with a hearty breakfast and headed off to the fishing town of Uig for a scenic boat ride to spot some cute little puffins and seal pups, accompanied by a couple of porpoises as we sped across the navy waters. Upon our return to land, we retraced the footsteps of the past island dwellers in the Crofting Museum, also paying respects to the inspirational Flora MacDonald, who risked her life to protect Prince Charles Stewart, leader of the Jacobite rebellion.
After saying goodbye to the puffins and seals, we continued our journey south, to Fort Williams by catching the ferry from the majestic Isle of Skye to the small fishing village of Mallaig. Although we were very sad to say goodbye to Portree and the Isle of Skye, exciting adventure awaited us. We explored the colourful town of Mallaig and snacked on fish and chips as we waited to board the Jacobite train, also known as The Hogwarts Express. This was the train used in the Harry Potter films.
Thick steam trailed the scarlet carriage as we entered the world of Harry Potter. "Our childhood fantasies came true" says Darcy. Beautiful Scottish countryside rushed past our sides as we indulged in chocolate frogs and sweets. Exhausted but happy as we sank into the comfort of our van, we ended the busy day with pizza and music at the Glen Nevis youth hostel near Fort Williams.
By Cynthia Hou and Madi Shera


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When my husband and I found our "new" older home, we weren't even actively looking. You see, I have an obsession with old farmhouses and historic older homes. For fun, I look on real estate apps and day dream. While day dreaming a few months ago I came across a property and fell in love. I asked our realtor to show it to us. It had a ton of character and had just the right amount of land. As soon as I walked through the front door I knew I wanted to call this place Home.
Our "New" Older Home
The home we are buying was built in 1908. With all the character come a few challenges and I wanted to share our experience with those of you considering purchasing an older home.
They say that buying a home is one of the most stressful things in life and I totally agree. This will be the second home we have purchased in 6 years and I hope it will be our last. I am in no way trying to convince my readers not to buy a new home, I just wanted to share some tips and tricks we've learned along the way and things to consider before taking the leap!
First to Consider
The first to consider is of course the age of the home and the utilities. Meaning, is it gas? electric? fireplace? This home has all 3. Before we were very far into the financing side of things and during our "option period" we wanted to have everything checked out that we could so we would know what we were getting ourselves into.
We contacted our local propane company and had them come out to make sure there were no leaks in the propane lines. This was an added expense on our part. Repairing lines from the tank to the house is not cheap. At this point we should have filled the tank to test the propane heat, which we didn't. Lesson learned because this was an additional expense later to test. Come to find out, the heater needed some repairs to work properly. Glad we did this because moving into a home in the end of December with no heat does not sound like my idea of a good time.
Hiring Inspectors
We also had an electrician out to look at the wiring in the home. This is SUPER important because rewiring a home is also very expensive. The upstairs in our home had been updated but the downstairs needed a few updates. I was so happy to hear our homes wiring had been updated as an entire rewire just isn't in the budget. Super old wiring is a major safety hazard and you want to make sure this is taken care of prior to moving in.
I love the character an older home has!
We also had to have the house inspected. Now this is required when buying a home for lending purposes but we went ahead and had this part done before the lender even asked for it. Again, a lot of this stuff was done while in our option period so that we had the option to back out should the house need too much work.
This property has a well for its water supply instead of city. We had a well company out to test the well head and pump to make sure that it was functioning properly. New pumps and wiring for a well head can cost a lot. The main issue we will have is the bladder and holding tank. In order for there to be enough water pressure, you have to have a big enough holding tank for the pressure. This is something we will have to upgrade shortly after moving in. Just another expense.
If you have all electrical appliances and the house runs on gas, you may have to purchase a new dryer, stove etc which will add to your initial expense when moving in.
This home has been sitting vacant for over a year and when you have a well, natural bacteria is usually present. But, on a home that has set this long, it can build up in the pipes. In our county we had to have the water tested for said bacteria (another expense) and the septic system inspected. The water came back with elevated bacteria levels (totally normal for homes that have been vacant) but this meant we had to have the well treated and then tested AGAIN at our cost. Another expense.
Wrap Around Porch
An appraisal was ordered by our lender but was paid by us. Price of appraisal can be high as we have technically two houses on this property, which also had to be inspected , well tested, electrical inspected.. You see where I am going with this. The cost adds up quickly.
Having a plumber out to check all your pipes is a great idea. Older homes usually have cast iron plumbing and with the slightest vibration, they can crumble. If you've ever had to update plumbing on an entire house you know that it's not cheap. And no one likes to go without hot showers, or a dishwasher or clean laundry.
Speaking of dishwashers……. This house doesn't have one. (insert sad face here). The kitchen is tiny and has limited cabinets. So immediately I know that a kitchen reno is in the near future which means a lot of money and living in a constant state of construction. It's not my favorite but it will be necessary.
Love This Character on an Older Home
This home has 2 fireplaces. These can be a HUGE safety hazard as many house fires are started this way. We had to pay for a chimney inspection and as I figured, they will need repairs prior to having fires. Normally this would be something we tackled later, but there is no central heat and air in the downstairs of this home so those fires are an absolute MUST. You give up a lot of modern conveniences when buying older homes but those can all be added later.
Selling While Buying Can Be Stressful
During this process we are also selling our home. Which means showings, updates have to be made, scheduling. We have a buyer but there have been some delays. But, as of today, I finally have a closing date! We wanted to close on both properties the same day. There are many reasons for this but mainly to ensure that I wasn't selling my house before I was for sure able to buy this house.
Would love for you to check out how I updated the living room before listing our home!
I found a book with great reviews on buying your first home as well! affiliate link
Have you ever purchased an older home? Would love to hear all about your experiences!
We also had to check with the county on property taxes. This is something to consider when figuring your mortgage on what you can afford. I would also call and get many quotes for home owners insurance. The age of the home can sometimes cause a longer underwriting review process and items like old dearborn heaters can cause the premium to increase.
A few added costs were mainly just the updates we had to do to our existing home to get it ready to put on the market. Because of all these expenses, I estimate we are at over $5,000 already. This is no small amount for a house that lives on a budget. It has been a stressful and expensive process but one that I know will be all worth it in the end.
Thanks so much for stopping by today!
Check out how we have updated the living room so far in this house!


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- 30W speaker in rock enclosure
- 15' audio cable
- AC adapter
Product Description
The Bluetooth, weatherproof SonicStone™ hides in plain sight.
The 30 watt, weather resistant AtmosFX SonicStone speaker hides discreetly in your displays and wirelessly delivers up to 18 hours of the scares, songs, sounds, and stories from your AtmosFX digital decorations, on a single charge.
Perfect for parties, barbecues, Halloween, Christmas and all your holiday and special occasion celebrations.
The Bluetooth SonicStone speaker is optimized to work with the AtmosFX Digital Decorating Kit Plus and creates a truly immersive experience for your guests. Put it on your porch or nestle it in the garden — inside or out, the SonicStone adds another dimension to your celebrations.
Technical Specs
- 30W speaker
- 100-240V 5V 2A AC adapter
- 7200mAh Li-ion battery
- 3.5mm male to male audio cable
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How to set up your decorations
Project onto a closed door or open doorway to create the illusion that someone – or something – is about to make a guest appearance.