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When Cortez taxpayers went to the polls Nov. 6, a solid majority voted to replace the existing Montezuma-Cortez High School, circa 1967, with a new facility.
When they did, they committed to paying half the building's $43.95 million price tag over 20 years - the rest came from a Building Excellent Schools Today grant.
As it turns out, the mill levy will be smaller than campaign materials had indicated.
Pamphlets delivered to mailboxes and storefronts this fall, and the website for the Cortez 21st Century High School Committee, advertised a bond interest rate of 4.25 percent. For households, this amounted to $1.95 a month (or $23.40 annually) per $100,000 home market value. Commercial properties would pay $7.11 a month ($85.32 annually) per $100,000 market value.
Rates for privately-held agricultural land were set by the acre: 49 cents for sprinkler irrigated, 45 cents for flood irrigated, 2 cents for grazing pastures and 4 cents for dry land.
But after a bond sale facilitated by Denver-based firm RBC Capital Markets in late November, the rate dropped considerably, to 3 percent.
"It's well below modeling estimates from campaign literature, and even further below the ballot question parameters," said RBC director Dan O'Connell. "We are seeing all-time historic low interest rates right now."
The revision means households, per $100,000 market value, will now pay $21.36 a year; for commercial property, $77.40.
The 3 percent rate is now final, locked in for the full 20-year term.
Montezuma-Cortez School District Re-1 Superintendent Alex Carter said the supply of "cheap money" motivated the district's decision to pursue the upgraded facility at this time.
"It wasn't a strong-arm, heavy-handed sales pitch. It was just stating the facts," he said. "The state is giving us half the money. The current school is in disrepair and outdated for learning needs, and it's a great time to borrow."
Pointing out these factors to constituents, he added, was crucial to winning over the "middle third" who were undecided on the tax hike.
"One third of people would support investment in the school system no matter what. Another third would oppose tax increases at all costs. Those in between had to be convinced of the merits of this particular case. The case was so strong that people decided it was time to commit," Carter said.
School bond interest rates can shift from the time a measure is announced and certified - in this case September - until a bond sale occurs. O'Connell said his agency prefers to issue conservative estimates "to make sure we are true to the taxpayers, so they don't get saddled with a higher tax burden than we first told them."
The district knew interest rates were dipping during the campaign, but for clarity's sake decided not to alter the messaging midway through, Carter said.
At the November sale, Re-1's matching money bonds were combined with at least 10 other major infrastructure projects across Colorado, worth some $200 million together. The state aggregates the bonds into one package and uses its credit as leverage to find investors.


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If Celeste had actually remained in his penthouse house she would certainly have seen him grin and also lick his lips. He proceeded like a guy that was made use of to providing orders.
The message showed up in much less that a min. Clare stood as well as aligned her skirt as if she wished to be much less informal when she spoke with the gent that would certainly make her a lady. Her feelings were contrasted in between sex-related expectancy and also worried power as she called.
" Many thanks quite for organizing this. I will certainly call him the minute you message me the number."
" Hello there Madam. I wish you as well as your other half are well."
Fran, the co-owner of Twelve o'clock at night Magic Escorts, was calling Clare, her freshly worked with virgin escort. The young songs trainee's New York City escort permit had actually been authorized as well as Fran had actually presented a bidding process battle amongst her rich customers as to that would certainly take the rookie's cherry. This was the financial assistance Clare had actually informed her she required so severely, that she had actually used to come to be an escort.
When Clare addressed the phone in her dormitory that early morning, she grinned as well as promptly an erotic photo stood out right into her mind.
" Certainly, Celeste. I was anticipating your phone call with fantastic expectancy."
The picture of Fran with her head hidden in her crotch, licking her clitoris adeptly triggered her pussy to start to dampen at the idea. She responded shyly,
" No madam," she specified shyly. "I did precisely what you informed me."
Celeste flushed also much more at this. "One last point, I do not such as a whole lot of make-up.
Fran had actually sent out a brief bio of the beginner, along with duplicate of her current high institution yearbook photo which revealed off her wonderful, innocent and also really quite face. Mr. R. was a rich client of the arts with an unique desire for the cello which was timid Clare's tool at the Julliard College, Songs Department.
" I have actually prepared a limousine to select you up at 7:00 tonight. I would certainly like to pay attention to you play as I mug your busts as well as stroke your pussy."
He proceeded, "Use a white shirt that switches ahead as well as a lengthy black skirt. You understand, the kind of attire any type of women cellist would certainly put on when carrying out in a band. I such as ordinary white underwears as well as do not put on a bra."
" Hi doll, this is Fran, your brand-new manager."
He can immediately listen to Celeste capture her breath. This was specifically what he enjoyed to do, take a woman right away out of her convenience area and also develop the sex-related stress in addition to develop that remained in control. He desired her to consider this when she is driving over.
Clare laughed and also stated gladly, "I selected Celeste, Madam. Celeste, the cellist.
" FANTASTIC!!" Fran break out, eased, and also the idea of bucks starting to develop in her mind. She took a deep breath.
" Oh, yes. Jerome as well as I are great. He asked me to greet."
She assumed, "Greet from him, heck no. He informed me he desires the idea of his dick to state a huge hi to the inmost end of the brand-new worker's limited vaginal canal."
Fran determined to move on with the discussion as well as needed to examine a vital factor. "Currently lady, you have not been tinkering any kind of young boys given that your meeting, have you?"
She added as a second thought. Jerome had blue rounds for a week after being annoyed in not being permitted to fuck Clare's extremely eager pussy at her meeting for the escort work.
The young pupil had actually invested lots of nights masturbating her pain pussy believing concerning the remarkable thick black member of Fran's partner that she had actually when tasted in her mouth as well as the hefty rounds she had actually held in her little hand. Her pussy pulsated as well as spurted at the idea. Anybody experiencing this would certainly have assumed that below was a lady that required an excellent fucking.
Clare was real to her word and also remained away from kids. Sampling as well as touching Jerome's splendid penis and also sensation Fran's warm tongue on her clitoris had actually stired up a solid enthusiasm.
He is anticipating your phone call. Did you bear in mind to choose out an escort alias name?
Clare's mind remained in a little bit of a haze as she had actually slid a finger under the component of her panty which covered her girly components and also was gradually rubbing backwards and forwards the slit of her soft down-covered pussy with an unique twirl around her clitoris on top of each stroke.
Celeste flushed crimson as well as murmured shyly, "Yes sir. I will certainly bring my cello."
Clare, the currently relabelled Celeste, responded, "Hey there sir, my name is Celeste. I am calling from the company. I recognize you intended to be with me this night."
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" Hello there", a solid baritone voice addressed. "Exactly how can I assist you?"

subset: commoncrawl


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It seems like everyone has a tattoo these days. What used to be the property of sailors, outlaws, and biker gangs is now a popular body decoration for many people. And it's not just anchors, skulls, and battleships anymore — from school emblems to Celtic designs to personalized symbols, people have found many ways to express themselves with their tattoos. Maybe you've thought about getting one. But before you head down to the nearest tattoo shop and roll up your sleeve, there are a few things you need to know.
A tattoo is a puncture wound, made deep in your skin, that's filled with ink. It's made by penetrating your skin with a needle and injecting ink into the area, usually creating some sort of design. What makes tattoos so long-lasting is they're so deep — the ink isn't injected into the epidermis (the top layer of skin that you continue to produce and shed throughout your lifetime). Instead, the ink is injected into the dermis, which is the second, deeper layer of skin. Dermis cells are very stable, so the tattoo is practically permanent.
Tattoos used to be done manually — that is, the tattoo artist would puncture the skin with a needle and inject the ink by hand. Though this process is still used in some parts of the world, most tattoo shops use a tattoo machine these days. A tattoo machine is a handheld electric instrument that uses a tube and needle system. On one end is a sterilized needle, which is attached to tubes that contain ink. A foot switch is used to turn on the machine, which moves the needle in and out while driving the ink about 1/8 inch (about 3 millimeters) into your skin.
Most tattoo artists know how deep to drive the needle into your skin, but not going deep enough will produce a ragged tattoo, and going too deep can cause bleeding and intense pain. Getting a tattoo can take several hours, depending on the size and design chosen.
Getting a tattoo can hurt, but the level of pain can vary. Because getting a tattoo involves being stuck multiple times with a needle, it can feel like getting a bunch of shots or being stung by a hornet multiple times. Some people describe the tattoo sensation as "tingling." It all depends on your pain threshold, how good the person wielding the tattoo machine is, and where exactly on your body you're getting the tattoo. Also, keep in mind that you'll probably bleed a little.
If you're thinking about getting a tattoo, there is one very important thing you have to keep in mind — getting it done safely. Although it might look a whole lot cooler than a big scab, a new tattoo is also a wound. Like any other slice, scrape, puncture, cut, or penetration to your skin, a tattoo is at risk for infections and disease.
First, make sure you're up to date with your immunizations (especially hepatitis and tetanus shots) and plan where you'll get medical care if your tattoo becomes infected (signs of infection include excessive redness or tenderness around the tattoo, prolonged bleeding, pus, or changes in your skin color around the tattoo).
If you have a medical problem such as heart disease, allergies, diabetes, skin disorders, a condition that affects your immune system, or infections — or if you are pregnant — ask your doctor if there are any special concerns you should have or precautions you should take beforehand. Also, if you're prone to getting keloids (an overgrowth of scar tissue in the area of the wound), it's probably best to avoid getting a tattoo altogether.
It's very important to make sure the tattoo studio is clean and safe, and that all equipment used is disposable (in the case of needles, gloves, masks, etc.) and sterilized (everything else). Some states, cities, and communities set up standards for tattoo studios, but others don't. You can call your state, county, or local health department to find out about the laws in your community, ask for recommendations on licensed tattoo shops, or check for any complaints about a particular studio.
Professional studios usually take pride in their cleanliness. Here are some things to check for:
If the studio looks unclean, if anything looks out of the ordinary, or if you feel in any way uncomfortable, find a better place to get your tattoo.
Here's what you can expect from a normal tattooing procedure:
The last step in getting a tattoo is very important — taking care of the tattoo until it fully heals. Follow all of the instructions the studio gives you for caring for your tattoo to make sure it heals properly. Also, keep in mind that it's very important to call your doctor right away if you see or feel any signs of infection such as pain, spreading redness, swelling, or drainage of pus. To make sure your tattoo heals properly:
Even after it's fully healed, a tattoo is more susceptible to the sun's rays, so it's a good idea to always keep it protected from direct sunlight. If you're outside often or hang out at the beach, it's recommended that you always wear a sunscreen with a minimum sun protection factor (SPF) of 30 on the tattoo. This not only protects your skin, but keeps the tattoo from fading.
If you decide to get a tattoo, chances are everything will go as planned. But if disinfection and sterilization steps aren't followed, there are some things you need to be aware of that can go wrong. If you don't go to a tattoo studio or the tattoo studio doesn't follow precautions like using sterilized equipment or if it shares ink between customers, you're putting yourself at risk for getting viral infections such as hepatitis, bacterial skin infections, or dermatitis (severe skin irritation).
Also, some people have allergic reactions to the tattoo ink. And if you already have a skin condition such as eczema, you may have flare-ups as a result of the tattoo.
Serious complications can result if you attempt to do a tattoo yourself, have a friend do it for you, or have it done in any unclean environment. Because tattooing involves injections under the skin, viruses such as HIV and hepatitis B and C can be transferred into your body if proper precautions aren't followed. For this reason, the American Red Cross and some other blood banks require people to wait 12 months after getting a tattoo before they can donate blood.
A lot of people love their tattoos and keep them forever. But others decide a couple of years down the road that they really don't like that rose on their ankle or snake on their bicep anymore. Or maybe you broke up with your boyfriend or girlfriend and no longer want his or her initials on your stomach. What then?
In the past, tattoo removal required surgery, but now there are several other methods that can be used. One common method is laser removal. Some tattoo shops also offer tattoo removal, but it's a better idea to make sure the person doing the removal is a medical doctor. Before you go just anywhere to get your tattoo removed, check with your doctor or contact the American Dermatological Association to find a reputable laser removal specialist in your area.
Although it's called tattoo removal, completely removing a tattoo can be difficult depending on factors like how old the tattoo is, how big the tattoo is, and the types and colors of inks that were used. Removal of the entire tattoo is not always guaranteed. It's best to consult with a dermatologist who specializes in tattoo removal to get your questions answered — such as whether anesthesia is used. The dermatologist can also give you a good idea of how much (if not all) of the tattoo can be removed.
Laser tattoo removal usually requires a number of visits, with each procedure lasting only a few minutes. Anesthesia may or may not be used. What happens is the laser sends short zaps of light through the top layers of your skin, with the laser's energy aimed at specific pigments in the tattoo. Those zapped pigments are then removed by your body's immune system.
Removing a tattoo by laser can be uncomfortable and can feel a lot like getting a tattoo. The entire process usually takes several months.
Just like when you get a tattoo, you must look after the wound area after a tattoo is removed. The area should be kept clean, but it shouldn't be scrubbed. Also, it might turn red for a few days and a scab might form. Don't rub or scrub the area or pick at the scab. Let it heal on its own.
Laser tattoo removal is usually effective for the most part, but there can be some side effects. The area can become infected or scarred, and it can also be susceptible to hyperpigmentation, which causes the area where your tattoo used to be to become darker than your normal skin, or hypopigmentation, which causes the area where your tattoo used to be to become lighter than your normal skin color.
Now for the big part — tattoo removal can be pretty expensive. Depending on factors like the size and design of the tattoo, removal can cost significantly more than the actual tattoo.
Is getting a tattoo worth the money and hassle? It's up to you. Some people really enjoy their tattoos and keep them for life, whereas others might regret that they acted on impulse and didn't think enough about it before they got one. Getting a tattoo is a big deal, especially because they're designed to be permanent.
If you've thought about it and decided you want a tattoo, make sure you do a little detective work and find a clean, safe, and professional tattoo shop. Also, remember that getting and maintaining a tattoo involves some responsibility — after you leave the tattoo shop, it's up to you to protect and treat it to prevent infections or other complications.


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Home > Enterprise Used Cars in Tennessee
Enterprise Used Cars in Tennessee
Enterprise offers no-haggle prices on certified used cars in Tennessee. Search our inventory of used cars in TN and visit our nearby car dealerships.
Certified Used Cars for Sale
All used cars at Enterprise car dealerships in Tennessee have passed a rigorous inspection, inside and out, by technicians certified through the independent National Institute for Automotive Service Excellence (ASE).
No-Haggle Used Car Pricing
The price you see is the price you pay to buy used cars in Tennessee. At Enterprise Car Sales, our transparent process, providing no-haggle pricing and excellent customer service, is the cornerstone of our business.
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Enterprise used cars in TN are available with low miles, backup camera, keyless entry, leather seats, navigation and other features. Used cars for sale online can be transferred to any of our auto dealers in Tennessee.


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Dutch Glow 15 ml Scratch Remover(DGSC-6)
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* This offer may contain time-sensitive information and offers. Please check with ACE Hardware to confirm actual price & availability.
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Public opinion polls and paid surveys in Australia,
plus guides to making money from paid surveys.
10,008 polls + 23,046,840 responses
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1. Thy neighbor shalt not feel the gust of thy breath.
1. Thy neighbor shalt not feel the gust of thy breath.
"When somebody camps out a little too close," says Julie Hennebury of Hough's Neck, as she lounges on Duxbury Beach in the shade of a beach umbrella, "you just want to pack up and leave."
2. Littereth not, lest ye be forced to eat thy detritus.
"Pick up after yourself and take your trash with you when you leave," says
Joe Hennebury, before drifting into a reminiscence of orange crush soda and hot dogs at Nantasket Beach when he was a boy.
3. Thou shalt not pollute the air with the Camel's stench (or that of his friends).
"People shouldn't smoke at the beach," says 27-year-old Danielle Webb, who abandons Halifax for Duxbury Beach's clean air on hot summer days, and also appreciates the beach's snack bar and relative dearth of rocks.
4. Thy offspring shall be as angels.
"Screaming kids" are one of a beach's greatest scourges, say three 17-year-old Marshfield High seniors.
5. If thou art a tourist, thou shalt crawl humbly into a corner and stay there.
"Tourists crowd the beach and they trash it," explains one of the Marshfield High contingent, expressing the possessive ownership that all locals feel for their home seashore.
6. Thy music shall be as the angel's whisper.
"There's no loud music any more," say a Connecticut couple, expressing the delightfulness of Rexhame beach since other denizens of the sand improved their behavior. The couple laid claim to a summer home in Marshfield 22 years ago, earning them a certain measure of native status.
7. Thy games shalt not trespass upon the tranquility of others.
"And the volleyball net went away," says the female half of the Connecticut contingent, enumerating another recent enhancement, even more welcome since she and her husband retired. "Now we get to play all summer," adds her husband, clouding the issue.
8. Thou shalt not return glass to its original element.
"Don't bring glass on the beach," says Peter Wilk, who brings his family to Rexhame for a week every year and desires that they not suffer the pain and potential danger of a sliver of glass piercing the skin.
9. Thy canine shall be spared the sting of sand and the burn of sun.
Dogs, even on a leash, are not acceptable on public sand, says Peter Wilk, before eerily echoing Joe Hennebury. "Are they going to clean up after themselves?"
10. Thy towel shalt not send the sand typhoon upon thy neighbors.
We made this one up, but y'all know who you are. Knock it off.


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We're running our annual community campaign through March 19. Give today!
Photo: Andreas Nicolas Fischer.
A kind of cold weather antipode of summer's "Love Parade," the Transmediale 2014 media arts festival was a beacon of light in the long dusk of a Berlin winter. As a twist on the usual curated exhibition, this year's festival opted for an ad-hoc "Art Hack Day" (AHD) approach, where submitting artists were expected to create new and original artworks in the span of two days (and nights). Opening the exhibition with a more down-to-earth feel, AHD ultimately resembled a DIY, garage-style party instead of a highbrow exhibition space.


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The Lüneburg Heath Nature Park is situated in northern Germany in the triangle created by Hamburg, Bremen and Hannover,
and protects the largest single area of heathland in Central Europe. Although heaths used to be commonplace in Europe a few hundred years ago, they are much rarer today. Part of Lower Saxony, the nature park's landscape is a mixture of Scotch heather, common heather and juniper, herds of Heidschnucke sheep and old sheepfolds, and farm land and beekeeping huts. The view from the 169-metre Wilseder hill is worth the climb, and not just in August and September when the purple heather is in full bloom. This tranquil, open landscape, dotted with natural wonders great and small, can be enjoyed throughout the year. As well as the heath there are ancient woods and striking trees, mysterious moors and bubbling springs, and heathland streams and gullies. Whether on foot, by bike, on horseback or traditional horse-drawn carriage, you can explore the reserve on your own or in the company of a nature and landscape guide. The local restaurants and inns offer great food and drink made from locally sourced produce. And there's plenty to do for children, too, with a barefoot adventure park, high ropes courses and the Heide Park Resort theme park in Soltau. Or you could take a day trip to the town of Lüneburg on the edge of the reserve or the city of Hamburg just 40km away.
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Diagnosis and Prognosis of Multiple Myeloma
Diagnosis often starts when someone sees their doctor for symptoms, such as fatigue, pain, or persistent infections. For others, abnormal test results during routine physical exams may prompt an investigation into blood disorders like multiple myeloma.
There are several noncancerous reasons with similar symptoms as multiple myeloma. Your doctor will ask about any symptoms, and family and medical history. A thorough physical exam will be done, which may include checking for swelling of the legs, or enlargement of the liver, spleen, or tongue. If there are no obvious reasons for these symptoms, a blood disorder may be suspected.
Testing for Multiple Myeloma
If you are having symptoms and your doctor suspects a blood disorder, tests can identify certain abnormalities. These may include:
Blood and Urine Tests
Blood tests will help identify any abnormalities in the development or numbers of blood cells. Blood tests can include:
- Complete blood count—Measures the number of red blood cells, white blood cells, and platelets. Low numbers of healthy blood cells or high numbers of plasma cells may indicate the presence of multiple myeloma.
- Blood smear—Examines a drop of blood under a microscope to look for abnormalities of the blood cells. Abnormalities include cell counts and genetic markers that may be present or missing.
- Immunoglobulin—Measures the amount of specific blood proteins to look for signs of multiple myeloma. Some proteins may be present or missing.
Other blood tests may be done to look for abnormalities caused by complications of multiple myeloma:
- Erythrocyte sedimentation rate (ESR)—To detect or measure inflammation.
- A check of blood calcium levels to see if it is elevated or high.
- An evaluation of kidney function.
Urine tests may also help identify abnormal levels of certain proteins or calcium levels.
Bone Marrow Aspiration and Biopsy
A bone marrow test is usually done to evaluate the blood cell counts and overall all health of the bone marrow. Blood stem cells are made in the bone marrow. If there are too many of one blood cell type, they may crowd out other blood cell types and interfere with their function.
A bone marrow aspiration removes a sample of bone marrow from the bone. In most cases, the sample is taken from the hipbone. A needle is inserted through the bone and the marrow is removed with a syringe. A piece of bone may also be removed for biopsy.
Both marrow and bone sample will be examined under a microscope to look for an abnormally high number of plasma cells, which indicate the presence of multiple myeloma.
Skeletal Survey
A series of x-rays of all the body's bones may be done to look for fractures or other bone abnormalities. People with multiple myeloma may have bones with holes or other lesions that indicate the presence of disease. Bones examined include the skull, spine, pelvic area, ribs, and the long bones of the arms and legs.
Diagnosis of Multiple Myeloma
A multiple myeloma diagnosis is made when either one of the following is present:
- A plasma cell tumor is confirmed by the bone marrow biopsy OR the presence of 10% or more of plasma cells in the bone marrow WITH one or more of the following:
- Kidney problems
- High blood levels of calcium—hypercalcemia
- Low red blood cell count—anemia
- Bone abnormalities, such as holes, that can be seen on the skeletal survey tests
- Increased levels of one type of light chain found in the blood
- The presence of plasma cells in the bone marrow (60% or higher)
Staging of Multiple Myeloma
If multiple myeloma is confirmed, the results of the biopsy and new tests will help determine the stage of the cancer. Staging is used to identify characteristics of the cancer. Staging as well as other information like age and overall health will help develop the prognosis and treatment plan.
Staging Tests
Staging is determined by a number of factors. Tests will vary by individual, but may include:
- Blood tests to look for abnormal numbers of certain blood cells, proteins, indications of cancer, and abnormal cells. The tests may also show changes in kidney or liver function.
- Flow cytometry and cell marker tests to examine cells for specific characteristics, like proteins.
- Tests to evaluate changes or damage to cellular DNA.
- Imaging tests may be used to evaluate the extent of cancer and involved organs. Some tests use contrast material to highlight structures so images are more clear and detailed. Imaging tests may depend on suspected location of cancer based on symptoms, but may include:
Tissue biopsies are done to confirm the presence of cancer in specific locations. It may also be used to look for abnormally-shaped proteins that are stuck together (amyloids). Amyloids can deposit and build up in any bodily tissue, including the heart or kidneys, and cause problems. Biopsies are done with a:
- Fine needle—A thin needle is inserted into a tumor, lymph node, or other tissue. Both tissue and fluid are removed.
- Core needle—A larger, hollow needle is used in the same manner. It allows for the removal of a larger sample.
Stages of Multiple Myeloma
There are 2 different systems for staging multiple myeloma:
The Durie-Salmon staging system is used to stage multiple myeloma. The amount of cancer in the body is estimated based on the following factors:
- Blood or urine level of abnormal proteins produced by the cancer cells.
- Blood level of calcium—High levels are linked to bone damage caused by cancer cell growth in the bone marrow. Calcium is released into the blood when bone tissue is damaged.
- X-ray evidence—Myeloma may be evident on an x-ray based on the appearance of specific bone damage.
- Blood hemoglobin level—Hemoglobin is an iron-containing protein in red blood cells that carries oxygen to the cells. The presence of cancer cells in the bone marrow may interfere with red blood cell production and cause anemia.
Under normal circumstances, each substance in the blood or urine falls into a range that is considered normal. In people with multiple myeloma or other cancers, the substances may be too low or too high. Multiple myeloma is staged from I-III:
Stage I—A small number of cancer cells are found with ALL of the following:
- Small amounts of abnormal proteins are present in the blood or urine.
- Calcium in the blood falls into a normal range (less than 12 milligrams per deciliter [mg/dL])
- X-ray appears normal OR may show one area of bone damage
- Hemoglobin level is more than 10.5 g/dL (grams per deciliter)
- Stage II—A moderate amount of cancer cells are found. Other factors fall in a range BETWEEN Stage I and Stage III.
Stage III—A large number of cancer cells are found with ONE or MORE of the following:
- Large amounts of abnormal proteins are present in the blood or urine.
- Calcium levels fall into a high range (more than 12 mg/dL)
- X-rays show 3 or more areas of bone damage.
- Hemoglobin levels fall into a low range (less than 8.5 g/dL)
International Staging System (ISS)
Multiple myeloma is staged I-III with the ISS. Cancer stage is based only on the blood levels of beta-2 microglobulin and albumin.
- Stage I—Beta-2 microglobulin is less than 3.5 mg/L (milligrams per liter) and albumin is 3.5 g/dL or higher
- Stage II—Beta-2 microglobulin is 3.5-5.5 mg/L with any albumin level OR albumin is less than 3.5 g/dL with beta-2 microglobulin less than 3.5 mg/L
- Stage III—Beta-2 microglobulin is more than 5.5 mg/L.
Treatment Grouping
For treatment purposes, multiple myeloma may also be grouped as:
- Smoldering—Disease is present, but it progresses slowly without symptoms.
- Symptomatic—Disease is present and causing associated symptoms, such as bone or kidney disease, or is affecting healthy blood cell counts.
Diagnosis. Leukemia & Lymphoma Society website. Available at: http://www.lls.org/disease-information/myeloma/diagnosis. Accessed March 16, 2017.
Diagnosing multiple myeloma from test results. American Cancer Society website. Available at: https://www.cancer.org/cancer/multiple-myeloma/detection-diagnosis-staging/how-diagnosed.html. Updated January 19, 2016. Accessed March 16, 2017.
General information about plasma cell neoplasms. National Cancer Institute website. Available at: https://www.cancer.gov/types/myeloma/patient/myeloma-treatment-pdq. Updated August 5, 2016. Accessed March 16, 2017.
Greipp PR, San Miguel J, Durie BG, et al. International staging system for multiple myeloma. J Clin Oncol. 2005;23(15):3412-3420.
How is multiple myeloma staged? American Cancer Society website. Available at: https://www.cancer.org/cancer/multiple-myeloma/detection-diagnosis-staging/staging.html. Updated January 19, 2016. Accessed March 16, 2017.
Lecouvet FE, Malghem J, Michaux L, et al. Skeletal survey in advanced multiple myeloma: radiographic versus MR imaging survey. Br J Hematol. 1999;106(1):35-39.
Signs and symptoms of multiple myeloma. American Cancer Society website. Available at: https://www.cancer.org/cancer/multiple-myeloma/detection-diagnosis-staging/signs-symptoms.html. Updated January 19, 2016. Accessed March 16, 2017.
Multiple myeloma. EBSCO DynaMed Plus website. Available at: http://www.dynamed.com/topics/dmp~AN~T116888/Multiple-myeloma. Updated November 21, 2016. Accessed March 16, 2017.
Myeloma staging. Leukemia & Lymphoma Society website. Available at: http://www.lls.org/disease-information/myeloma/diagnosis/myeloma-staging. Accessed March 16, 2017.
Stages of plasma cell neoplasms. National Cancer Institute website. Available at: https://www.cancer.gov/types/myeloma/patient/myeloma-treatment-pdq#section/%5F22. Updated August 5, 2016. Accessed March 16, 2017.
Revision Information
- Reviewer: Mohei Abouzied, MD, FACP
- Review Date: 03/2017
- Update Date: 05/12/2016


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Tagged: Sandy Koufax
Royally Flushed…and Yet, Still Not My Grandfather's Angels
What a difference a few days makes. Shutout by the Royals on Wednesday and shutout for seven of nine innings on Tuesday. Blast and damn. < broken record > The Angels hit in both games, just not with runners in scoring position. </ broken record > Heck, we even managed to load up the bases twice today, once with no outs, and have no runs to show for it. No, Scott Downs should not have given up the homerun today and Joel Pineiro should not have given up five in the third yesterday. But the offense needs to stop putting our starters and relievers in a position where they have three or less, often less, runs to work with, especially when we can and have done much better.
Six runs on Sunday, ten on Monday, three on Tuesday and none today. I really don't want to have to come up with a "Tanana and Ryan, then two days of cryin'" like slogan for the 2011 offense, thank you very much, but that's certainly the way things looked in May. Okay, now </ broken record >.
* * * * *
Tanana and Ryan, then two days of cryin'. This, of course, was the Angels own special version of the more famous "Spahn, then Sain, then pray for rain." from back in the days when Frank Tanana and Nolan Ryan lead the Angels four-man starting rotation. I can't remember if I learned that one from life-long Angels fan grandfather or from any number of trivia and history books I devoured as a young lass. Either way, the Angels pre-game shows and Angels weekly continue to air snippets from the 50th Anniversary celebration documentary and are currently in the middle of the Tanana/Ryan era and I can't help but think of my grandfather.
I've written of my grandfather's Angels fandom on this blog before and of my own upbringing rooting for the Dodgers – and don't think there wasn't a small, or perhaps not so small, amount of youthful rebellion in my father choosing to root for the Dodgers over his father's Angels…well, youthful rebellion and maybe Sandy Koufax and Don Drysdale had a little bit to do with it too. Grandpa passed away a few years after the Dodgers won the Series in 1988, so he never saw my conversion to Angels fandom, though I bet he'd have been tickled by it.
If I close my eyes I can still hear the particular sound of the radio playing the baseball game on the floor next to Grandpa's armchair in the dining room, punctuated with short bursts of an announcer's voice growing excited over a play; an announcer's voice that was both less melodic and more enthusiastic than that of Vin Scully, with whom I was more familiar. And I can hear the occasional sounds of my grandfather's hand slapping the arm of his chair softly in approval as he kept one ear on the game throughout our visits.
It's funny what you remember and funnier still what you inherit from family. The hand slap of approval, for example? My father does the same thing. I remember distinctly from childhood, on the few Sundays my Dad took time to watch a game, being able to tell you from pretty much any room in the house if the Dodgers, or USC or anyone playing Notre Dame was doing well by the deep, happy sounding thump of his hand against the coffee table or the arm of his chair. One. Two. Three. And then continuing louder and more insistent, like fans slapping the backs of seats at a game, if the action on the TV screen continued, eventually resulting in a whoop of joy and a resonant "All right!"
My father's approval slap is significantly louder than Grandpa's was. I think this has less to do with any difference in enthusiasm than it does with an understanding that slapping the chair arm too loudly in my grandparents' house probably would have violated my grandmother's sense of decorum with company over, even family company, and resulted in the radio's banishment to the workshop in the garage. Much to my everlasting amusement, during a particularly good Angels game last season – hush you, there were a few – I paused mid cheer because I was suddenly overcome with these memories of Grandpa, Dad and baseball and couldn't think why…until I noticed my own right hand, poised to continue slapping the coffee table with enthusiasm. I don't know when I started doing that. It was completely unconscious on my part. But it makes me smile to think that I have my mother's laugh and my father's – and his father's – cheer.
And all of this remembering and recounting helps remind me that these 2011 Angels, frustrating though a few things have been this season, are not my grandfather's Angels in the best possible way. It would have surprised and thrilled him to no end to root for a team that could smooth over some rough edges and contend, let alone one with such talent – five quality starters, a bullpen that can get the job done, gold glove winners in the outfield, and a bumper crop of talented rookies. Okay, he would have seen flickers of recognition in the lack of power displayed by the lineup thus far and the occasional wilder exploits of the bullpen, but only flickers. It's June and these Angels are only two games out of first.
Perspective achieved. Rest up today guys and enjoy some home cooking, or whatever gets you ready to hit and play a great game. The Yankees are coming to town and we've got Weaver on the mound on Friday and Howie Kendrick returning to the lineup. Time to go win some ballgames!
* * * * *
My fingers are crossed for Dan Haren! More blah Angels luck this week – he experienced a "tweak in his back" during Wednesday's bullpen session significant enough to fall down. He will be evaluated tomorrow in order to determine if he will make his scheduled start on Saturday. If he has to sit the start out, this will be the first scheduled start Haren has ever missed…ever, as in entire career. He's old school like that, one of the reasons I like him and love having him on the team so much. I want Haren to maintain his streak because I want this to be nothing and him to remain in top condition. But if this isn't nothing, please, please, sit out a start or two to prevent worse issues down the line.


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Charles Schwab Investment Management (CSIM) announced Thursday that it will begin trading six new Schwab Fundamental Index exchange-traded funds next week. The new funds will be available for purchase commission-free online in Schwab accounts beginning Aug. 15.
With the six new ETFs, CSIM will track the Russell Fundamental Index Series, which is based on a methodology developed by Rob Arnott and Research Affiliates. Arnott is chairman and CEO of the Newport Beach, Calif.-based Research Affiliates, an index fund pioneer that produces asset-allocation and other strategies used to manage approximately $110 billion in assets worldwide.
"It's been more than a decade since we began discussing the fundamental index strategy at Research Affiliates," Arnott said in a Schwab media call announcing the new ETFs on Thursday. "A number of observers were skeptical of the methodology's outperformance before we had a track record, but now we have a track record."
To be sure, Schwab has plenty of competition in the ETF space. For example, Fidelity Investments recently announced plans to launch 10 sector-specific ETFs that will be subadvised by BlackRock. Known more for its actively managed mutual funds, Fidelity seeks BlackRock's expertise in passively managed products to bring its new ETFs to market more quickly than it might otherwise have been able to.
'These ETFs Add a New Flavor to Our Pure Vanilla ETFs'
Since launching its first Fundamental Index mutual funds in 2007, Schwab has seen a steady increase in demand from advisors, particularly registered investment advisors (RIAs), according to CSIM President Marie Chandoha, who introduced the six new ETFs in a media call on Thursday. Schwab's five mutual funds using this approach now have $4.5 billion in total assets under management as of June 30, she noted.
"We know RIAs have been waiting for these ETFs, and we're excited to deliver them," Chandoha said. "These ETFs add a new flavor to our pure-vanilla ETF market-cap lineup and demonstrate our commitment to offering core products that help investors build their portfolios and potentially achieve better outcomes."
Tony Davidow, alternative beta and asset allocation strategist for the Schwab Center for Financial Research, explained during the media call that fundamentally weighted methodologies are often referred to as "smart beta" because securities are screened and weighted based on objective factors such as adjusted sales, cash flow and dividends or buybacks.
Davidow, Arnott Use Apple to Argue Their Fundamental Point
"We believe fundamental weighted index ETFs are a revolutionary step forward," Davidow said. "We believe that fundamentally weighted strategies bridge the gap between active and indexed strategies."
In comparison, Arnott pointed to the example of Apple stock's overheated performance in many index funds, because traditional market-cap indexes weight securities based only on market capitalization, so the largest companies have the largest weight in the index. Traditional market-cap indexing overemphasizes popular stocks at the expense of undervalued securities, and thus exposes investors' portfolios to market speculation and bubbles, Arnott said.
"But the fundamental index says, thank you very much for the lovely gain, now let me reweight Apple back to a smaller footprint in the index,'" Arnott said.
The new Schwab Fundamental Index ETFs, which join Schwab's other 15 proprietary ETFs, reflect the investment services firm's heightened commitment to ETFs, which began in earnest in February when Schwab introduced a commission-free ETF platform of 105 ETFs from six big ETF providers. The six new ETFs will be added to Schwab ETF OneSource on the first day of trading.
The new ETFs are:
Schwab Fundamental U.S. Broad Market Index ETF (FNDB) – Seeks to track the Russell Fundamental U.S. Index; Operating expense ratio (OER) of 0.32%
Schwab Fundamental U.S. Large Company Index ETF (FNDX) – Seeks to track the Russell Fundamental U.S. Large Company Index; OER of 0.32%
Schwab Fundamental U.S. Small Company Index ETF (FNDA) – Seeks to track the Russell Fundamental U.S Small Company Index; OER of 0.32%
Schwab Fundamental International Large Company Index ETF (FNDF) – Seeks to track the Russell Fundamental Developed ex-U.S. Large Company Index; OER of 0.32%
Schwab Fundamental International Small Company Index ETF (FNDC) – Seeks to track the Russell Fundamental Developed ex-U.S. Small Company Index; OER of 0.46%
Schwab Fundamental Emerging Markets Large Company Index ETF (FNDE) – Seeks to track the Russell Fundamental Emerging Markets Large Company Index; OER of 0.46%
(Read Tony Davidow, 'Equal Weight Evangelist,' Brings His Message to Schwab at ThinkAdvisor.)


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Securities and Exchange Commission Chairwoman Mary Jo White said late Thursday that while the technical glitch that paralyzed trading on the tech-heavy Nasdaq for hours was "resolved before the end of the day," the incident was "serious."
White said in a late Thursday statement that the malfunction should "reinforce our collective commitment to addressing technological vulnerabilities of exchanges and other market participants." The SEC, she said, "is determined to enhance the safeguards necessary for strong market systems."
White said she would "work to advance rules that the commission proposed earlier this year regarding new standards for the trading and other systems that are central to the integrity of our markets." She said she would also "shortly convene" a meeting of the leaders of the exchanges and other major market participants "to accelerate ongoing efforts to further strengthen our markets."
Nasdaq OMX issued a statement Thursday stating that it became aware that price quotes were not being disseminated by the Securities Industry Processor (SIP), which consolidates and disseminates all prices for the industry.
The exchange said it issued the halt in order to protect the integrity of the markets. Nasdaq said it wouldn't be canceling any open orders, but that customers could cancel orders if they wanted to.
"In the first 30 minutes, technical issues with the SIP were resolved," Nasdaq said. "For the remaining period of time, NASDAQ OMX, other exchanges, regulators and market participants coordinated with each other to ensure an orderly reopening of trading in NASDAQ-listed securities."
Trading then resumed and the balance of the trading day finished in normal course, Nasdaq said. Nasdaq OMX said that it "will work with other exchanges that are members of the SIP to investigate" Thursday's technical issues, and that "we will support any necessary steps to enhance the platform."
Nasdaq resumed trading around 3:25 p.m. and closed up 1% at 3,638.71. Shares of Nasdaq OMX (NDAQ), however, fell 3.4%.
The technology malfunction echoed the sudden plunge in stocks in May 2010 that came to be known as the flash crash and the glitch-plagued initial public offering of Facebook last year.
The SEC charged Nasdaq in late May with securities violations resulting from "poor systems and decision-making" during the IPO and secondary trading of Facebook shares.
Nasdaq agreed to settle the SEC's charges by paying a $10 million penalty — the largest ever against an exchange.
Check out these related stories on ThinkAdvisor:


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Practically everywhere I turn, vendors want to chat with me about the Internet of Things (IoT) that great vision that soon billions of devices will enjoy network connectivity by which they can burble forth a torrent of information and potentially receive all kinds of useful commands. Of the many touted examples, are refrigerators that can show you their internal temperature and alert you when it gets too high, DVRs that can notify you they're running out of space, on an on. In the a commonly presented dream scenario, your smart house would have the ability to send data to a website where you could monitor all the important as well as inconsequential telemetry of your abode, including regular updates from every single one of your appliances, built-in cameras, your thermostat, and so on. Being in the know about your home will never have been so complete and so draining. For people who like to worry constantly about details, welcome to heaven!
There is good reason why vendors are scrambling after this imagined universe. Every hardware vendor wants to participate (processors, wi-fi/Bluetooth, monitoring devices, screens, and so on), and every software vendor wants a role in a scenario in which literally billions of Internet endpoints suddenly teem forth as data collections points.
Judging by the amount of coverage, the high-visibility presence of high-profile vendors, the emerging crop of tradeshows, and the inevitable stream of books, you might be fooled into believing that the IoT was an imminent phenomenon for which you were perhaps already late. You're not. It's currently mostly babble about a future hoped-for phenomenon. It is like pre-teens and sex: They're all excitedly talking about it, while in fact no one is actually doing it.
In the case of IoT, the obstacles are significant: In addition to many secondary issues, network infrastructure, security, and data formats are the salient questions. The last two items, especially security, are important obstacles. Security violations will no longer mean just the simple, but now accepted, bother of waiting for new credit cards and monitoring your credit profile. Rather, a breach means access to very personal data about you, your family, your car, your home, your possessions. The danger is significant. If I can read sensor data in your house, I might well be able to know that despite the lights being on, the TV playing, and the car in the driveway, there is nobody home. And equally frightening, I might be able to issue commands to the various connected devices.
However, security alone is not a big enough obstacle to prevent the IoT. It's just one that will need to be handled before mass adoption. Network infrastructure, however, is a whole different story. If each device becomes an Internet endpoint, there is little doubt that IPv4 will run out of numbers almost immediately (as it's been on the verge of doing for much of this decade). While it's certainly possible that NAT will allow devices to operate behind a single IP address and then post data for retrieval elsewhere, this is not the design generally presented nor one that is particularly desirable. It seems fairly clear that for IoT to become a reality, the world needs to move to IPv6. Most ISPs today and most networked devices are IPv6-ready, but only a tiny fraction have actually switched over. This issue alone will add several years to full IoT adoption.
Finally, there are the questions about agreement over data formats, APIs, and programming conventions. As has occurred frequently in the past, whenever new important technologies arise, there is a first wave of standards that are mostly patches on the problem, followed by more robust and more widely accepted standards that truly enable interoperation. We are far from getting accord on those matters, in part because of the problem left unstated by so many vendors: Except for a few medical devices and the occasional smart thermostat all of which are crude implementations of IoT there is no large-scale implementation. Everything is experimental, prototype-stage, exploration. All of which is indeed good, but hardly suggests that significant roll-outs are at hand or even imminent.
While I fear that the surfeit of information that IoT could deliver will add even further to our collective distraction by unimportant items and intensify our nearly constant self-focus, it will undoubtedly bring unexpected benefits. As with all technologies, it's not until they become established for a while that the new, important possibilities begin to really emerge. As technologists, I expect, we're all curious to see what those new possibilities will be. But it will take far longer to get to them than today's vendors would have us believe.
Andrew Binstock
Editor in Chief
[email protected]
Twitter: platypusguy


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|This article or section is Under Construction.
GTA Wiki Staff are users on GTA Wiki granted the ability and responsibility to keep the wiki running smoothly.
Purpose of Staff
The main purpose of GTA Wiki staff is to keep the wiki clean and free of vandalism, to keep it running smoothly, and mainly to help editors.
GTA Wiki staff should not use their tools to settle editing disputes; for example, to lock a page on a version he or she prefers in an editing dispute that isn't vandalism, or use their blocking tool to block a user they have a dispute with. Their tools should be used to help keep the wiki clear of vandalism, spam, and users who make malicious edits, but not for simple disagreements between users acting in good faith.
The ideal GTA Wiki staff member is just someone who is trusted to have a few extra buttons and to use them for the benefit of the GTA Wiki community.
GTA Wiki has a noticeboard specifically for requests for promotion: GTA Wiki:Requests for Promotion. Editors interested in applying for any staff rights may file for promotion on that board. A community vote will take place on whether the user may be granted the promotion. The required 'yes' percentage is 60% for patrollers, and 70% for administrators and bureaucrats.
Demotion and repromotion
Staff may request a demotion for themselves at any time. Staff demoted in this manner must reapply for administrator and bureaucrat rights on the GTA Wiki:Requests for Promotion noticeboard rather than making requests directly to a bureaucrat.
Community discussions on whether to demote a current staff member also take place on the Requests for Promotion noticeboard. A percentage of 70% is required to demote an administrator or bureaucrat, 60% or unanimous consensus among bureaucrats to demote a patroller. Requests for demotion may be deleted by an uninvolved bureaucrat, but not the bureaucrat the vote was invoked against.
The Bureaucrats are senior editors on GTA Wiki. As well as being full administrators, they have management abilities where they can grant limited user rights. They can promote and demote patrollers, administrators and moderators. They can promote other users to bureaucrat although they cannot demote other bureaucrats. Demotion of users by bureaucrats on GTA Wiki is not done without a community discussion, unless absolutely necessary. In cases where the community cannot reach consensus on an issue, the bureaucrats may hold a bureaucrats-only vote to reach a decision.
The Administrators are trusted editors, equipped with the tools to keep the wiki running smoothly. They can issue blocks to troublesome editors, revert vandalism using the rollback tool, and delete and move pages. They are authorized to use the tools at their disposal to deal with issues facing the wiki to the best of their ability.
|Mikey Klebbitz
Patrollers are trusted editors granted the rollback tool to keep the wiki free of any vandalism. With a single click, they can revert edits.
|Carl Johnson Jr
|Leon Davis
|Tony 1998
Inactive staff
Staff are considered inactive after a 3 month period in which they haven't made any edits to GTA Wiki. Administrators and bureaucrats who go inactive are demoted to patroller by policy - no community vote required.
- Bob.cutlass2 (former patroller)
- GTANiKo (former administrator)
- Haruhi Suzumiya (former administrator)
- Winter Moon (former administrator)
- Istalo (former patroller)
Former staff
Former staff are users who once had staff rights on GTA Wiki but no longer have them either through resignation or demotion. This does not include users who were staff prior to the community split.
- McJeff (Bureaucrat/resigned)
- Ilan xd (Bureaucrat/resigned)
- Bunnyjoke (Administrator/resigned)
- Crescendospectredragon (Administrator/demoted)
- Russelnorthrop (Administrator/resigned)
- WikisEditor (Administrator/demoted)
- Boomer8 (Patroller/flounced)
- Dunewolfz (Patroller/resigned)
- ExtremoMania (Patroller/resigned)
- Sasquatch101 (Patroller/demoted)
- Tom Reed (Patroller/demoted)
- AK-28 (Patroller/demoted)
- RainingPain17 (Patroller/resigned)


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Use this thread as an open thread just for Zimmerman Case stuff. A place to just dump, collect, or discuss general information about the Trayvon Martin VS George Zimmerman Case.
"The sensationalized, fact-deficient coverage of this case has achieved the
desired results. The networks got their ratings. The politicians got their
talking points. And if it means innocent people get caught in the middle of the
racial enmity they've fomented, obviously it's considered acceptable collateral
damage. Congratulations, geniuses. Job well done." Jim Treacher, The DC Trawler
REMINDER – Please WATCH THE TONE and CONTENT of Commentary. Please be respectful, courteous and considerate of other readers and contributors. Please avoid hatespeak, angry rhetoric, vulgarity, personal attacks and condescension. If you wish to engage in vitriolic, racist, or bitter angry rhetoric, there are alternative sites on the internet more than welcoming to such considerations. But not here. Thank You.


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in panko breadcrumbs with a spiced fruit & sloe gin chutney (v)
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Why wait until the weekend to treat your partner or get together with special friends? We've now extended our favourite Midweek treat offers at The Old Bulls Head to include every Monday, Tuesday & Wednesday now from 6pm.
You can choose 2 or 3 courses from our Weekday treat menu and enjoy exclusive offers on wine and cocktails* So, go on, meet us in the middle — we've even got some delicious new dishes for you to try
Weekday Treat Menu at The Old Bulls Head
in panko breadcrumbs with a spiced fruit & sloe gin chutney (v)
Crispy mushrooms with a soy, lime & ginger dip (v)
with plum tomato, roasted red pepper, cucumber & mint salad and coconut tzatziki
with gooseberry & Prosecco flavour compote and toasted ciabatta bread
with asparagus, pea & truffle oil velouté topped with crispy seaweed, served with a choice of fries or salad
with white wine, tomatoes, garlic & chilli
with lemon & garlic confit, aioli and your choice of wholefood salad or fries with jus
with black rice, quinoa, avocado, broccoli, spinach and seeds, with a pineapple, lemongrass & ginger dressing (ve)
Add: Chargrilled chicken breast £3.50 | Lamb & Balsamic Koftas £3.50 | Goat's curd (v) £2.00 | Grilled halloumi (v) £2.25 | Chargrilled salmon £5.00
Chorizo, pepperoni, bacon, pork & fennel sausage, mozzarella, jalapeños and red chilli
Chicken, portobello mushrooms and mozzarella on a BBQ tomato base
with roasted sweet peppers, oyster mushrooms and a slow-roasted tomato dressing (ve)
All our burgers are served in a sesame seeded bun, with a gherkin on the side.
in a sesame seeded bun with Irish Cheddar, lettuce, tomato, burger sauce, fries and a gherkin
Prime beef burger with crispy bacon, lashings of cheese, beef dripping sauce
served with coconut tzatziki, slow-roasted tomato sauce and lettuce (ve). Served with your choice of a house salad (ve) or fries (v)
All our steaks are expertly aged for superb tenderness and flavour.
Served with twice-cooked chunky chips, roasted mushroom, confit tomato and parsley butter.
Juicy in texture and bursting with flavour, recommended medium (+£8pp)
Firm in texture and rich in flavour, recommended medium (+£4pp)
filled with sticky toffee pudding and peanut butter cream. Served with Bourbon vanilla ice cream & hot salted caramel sauce (v) (+£3pp)
A classic Italian 'Pick me up'. A light sponge soaked in coffee liqueur, with mascarpone cream & cocoa (v)
with Bourbon vanilla ice cream (v)
topped with strawberries and served with home-baked sultana & oatmeal biscuits (v)
topped with a demerara sugar crumb, served with custard (v)
on a biscuit base, served with crushed mango and fresh strawberries (ve)
Shepherd's Purse Yorkshire Blue, Lubborn Somerset Camembert, Belton Farm Red Leicester, Isle of Man vintage Cheddar with a selection of Fudge's nut & mixed seed biscuits, grapes, celery and chutney (v) (+£2pp)
*Some dishes on the menu have a supplementary charge. Available for a limited time only. This is offer can be withdrawn at any time without prior notice. Cannot be used in conjunction with any other discounts.
All our food is prepared in a kitchen where nuts, cereals containing gluten and other allergens are present and our menu descriptions do not include all ingredients. If you have a food allergy or intolerance, please let us know before ordering. Full allergen information for food and drink is available, upon request. Dishes containing hand-pulled chicken may contain small bones. Some of our dishes contain alcohol, please ask a member of staff for further information. (v) = made with vegetarian ingredients, however some of our preparation and cooking methods could affect this. If you require more information, please ask your server. Exclusive Midweek treat offer includes 2 for £12 on selected cocktails post 7pm and selected bottles of wines for £12.


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A comfortable retirement is still something many Americans fear they'll have to do without, according to EBRI's 2013 Retirement Confidence Survey. The research, released Tuesday, found that 21% of workers are "not too confident" they will have enough money to retire and 28% say they're "not at all confident."
EBRI noted that the percentage of people who are not at all confident in their ability to retire is at the highest level it's been in the 23 years the organization has been conducting the survey.
Confidence levels have remained steadily low since the 2011 survey, despite an improved economy over all. The survey suggested that may be because respondents are just catching on to how far from their goals they really are.
Jack VanDerhei, EBRI research director and co-author of the report, also noted that savings targets are likely just guesses rather than the result of careful analysis. "Only 46% report they and/or their spouse have tried to calculate how much money they will need to have saved by the time they retire so that they can live comfortably in retirement," he said in a statement.
"The survey provides insight on the reason behind crucial decisions Americans aren't making," Matt Greenwald, president of Mathew Greenwald & Associates, which conducted the survey for EBRI, said during a media briefing on the survey. "Savings rates of workers are disturbingly low, and many are not saving at all. As a result, the accumulated savings are quite low. Even when we look at workers 45 and over, just under half, 47%, have less than $25,000. Clearly many are way behind in their preparation for retirement."
While some economic indicators have improved, it hasn't necessarily impacted workers in a substantial way. The survey found respondents are still struggling with short-term financial issues like job uncertainty and debt. About 60% of workers and 39% of retirees say they have a problem with their level of debt, while a quarter of workers and 15% of retirees say their debt has increased over the last five years.
Eighty-two percent of workers eligible to participate in an employer-sponsored retirement plan do so, the report found, and an additional 8% have some savings in a workplace plan but aren't currently contributing to it.
When asked why they aren't saving, Greenwald said, "the answer they give is quite clear: cost of living and day-to-day expenses."
Indeed, among the issues taking precedence over saving are simply getting by day to day, paying for health insurance or medical care, taxes and mortgage payments. In the face of those immediate concerns, saving for retirement was rated as the most pressing financial concern facing Americans by just 2% of workers and 4% of retirees.
"People who have a [plan through their employer] have a very easy way to save through payroll deduction and have tax incentives to do so," Greenwald said. The report found that among those who don't have access to a plan, if they were offered one and automatically enrolled, most would leave the deferral rate as is, whether it were set at 3% or 6%. Less than a quarter said they would decrease the 6% contribution.
"A lot of people understand deep down that they should be saving more and appreciate the automatic enrollment," Greenwald said. "Nonetheless, some employers overestimate how many people will be upset" about the rate at which they are defaulted in, although most with a higher rate probably haven't really seen a "revolution."
With retirement rated as such a low priority, it's not surprising to find that saving rates have declined since 2009. In 2009, 75% of workers said they or their spouse had saved for retirement, up from 66% in 2007; however, that level has slowly returned to 66%, the lowest levels since the survey began collecting data on respondents and their spouses.
Confidence in the ability to pay for medical expenses is low, but even basic expenses appear to be a hurdle some respondents don't think they'll be able to overcome. More than half of workers reported low levels of confidence in their ability to pay for medical care in retirement, and 29% said they were not too confident or not at all confident that they could pay for basic expenses. Long-term care is clearly a big concern for workers. Thirty-nine percent said they were not at all confident they could cover the cost of long-term care after they stopped working, and 23% said they were not too confident.
Workers are unlikely to ask for help they clearly need. EBRI found just 23% of workers and 28% of retirees have gone to a financial advisor for professional help. Of those, just over a quarter actually followed all the advice they received. Most reported they ignored at least part of the advice their advisor gave them.
Even though many respondents use professional advice selectively, Vanderhei said that people who look for more information, whether through an advisor or online tools, tend to have more appropriate savings rates. "Overall, those who do use these additional sources of information end up actually having much more realistic targets," he said during the media briefing.
EBRI identified a number of expectations workers have about retirement. "The most significant trend in the 23-year history of the survey is the plan to work longer," Greenwald said. The report found 22% of workers expect to postpone retirement, and since 1991, the percentage of workers who expect to retire after 65 has steadily increased from 11% to 36%.
The actual retirement age, however, has changed more slowly. Fourteen percent of retirees in 2013 said they retired after age 65, up from 8% in 1991.
"The second expectation is the plan to continue to work after retirement," Greenwald said. "In some ways this is realistic—if you don't save enough, you must work longer—but it can be risky if people use the expectation of longer work to justify not saving now."
One of the dangers in planning to work longer or to work after they leave their primary career is that workers may find they simply aren't able to continue working. "Almost half of retirees said they had to retire before they expected for reasons beyond their control," Greenwald said. Those reasons include not just workers' health (55%), but downsizing or closures at work (20%) and caregiving duties for other family members (23%). Just 7% of retirees gave a positive reason for retiring early.