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2018 14th Annual GREFPAC Conference Speakers
Keynote Topic: How New Technology is Re-Shaping the Lender/Investor Ability to Assess Credit Worthiness
Keynote Speaker: Ann Fulmer, FormFree, Chief Strategist and Industry Relations Officer.
Ann drives FormFree's strategic planning and implementation, manages the firm's institutional relationships and interactions with federal and state regulators and oversees outreach to industry associations and advocacy groups. In addition, she will spearhead the firm's long-term development of a comprehensive mortgage compliance solution.
She is a nationally recognized strategist, thought leader, speaker and author specializing in data integrity, fraud and federal/Consumer Financial Protection Bureau (CFPB) regulatory compliance in mortgage loan originations, Fulmer has been a mortgage industry mainstay for more than 17 years.
Most recently, Ann was vice president of industry relations and strategy for First American Mortgage Solutions following its 2014 acquisition of mortgage fraud solutions provider Interthinx, a groundbreaking data and analytics innovator she joined in 2005. Previously, Fulmer built her grassroots mortgage fraud expertise in metro Atlanta in her roles as Assistant DeKalb County district attorney and in the county's tax assessor's office, where she helped develop metrics to identify mortgage fraud in property transactions.
"Thanks to the maturation of augmented intelligence and other digital solutions that automate data-intensive processes, the mortgage industry is poised to solve some of its most deeply-rooted challenges, and FormFree has led the way with its AccountChek asset verification app already transforming both the borrower and lender experience," said Fulmer. "Given my decades-long obsession with risk management and fraud mitigation in mortgage lending, joining FormFree as an employee feels a lot like coming home."
Topic: Balancing Business, Ethics, and Legalities in a Hyper-Regulated Industry
Bob Simpson, QuestSoft Verification and Audit Services, President
Bob Simpson has two positions at QuestSoft, one as a company senior vice president, and the second overseeing QuestSoft's newest division, Verification and Audit Services. Bob has been an industry expert in the field of mortgage loan investigations for more than 20 years. He has vast experience in the verification and quality control business having been president of Investors Mortgage Asset Recovery Co. (IMARC) managing several hundred employees at one time, and as a successful mortgage fraud attorney providing investigation services to some of the nation's most prominent lenders and mortgage insurance companies.
Bob has also been nationally recognized on television and through his public speaking for his expertise in the areas of mortgage credit quality and detection of fraud in lending processes and operations. IMARC was acquired by QuestSoft in September 2017.
PANEL DISCUSSION: Does Fraud Still Matter?
Don Effertz, DataVerify, Vice President Fraud Risk Management
Don manages a team of seasoned mortgage and fraud professionals who are responsible for assisting with client product understanding, training, customization and product enhancement. He joined DataVerify in December 2008 following a 25 year career in mortgage banking with a primary focus on Operational Risk Management, Quality Assurance and Fraud Prevention.
He has published several articles in national periodicals concerning mortgage fraud awareness and prevention and has conducted fraud awareness training courses across the country.
Prior to joining DataVerify Don was a VP with Interthinx where he managed several areas including File Review, Customer Service and Industry Relations. He has also served at SVP over Operational Risk Management at JPMorganChase where he was a member and former chair of the Operational Risk Management Committee, a member of Freddie Mac's Fraud Roundtable and MBA's Fraud and Ethics Subcommittee. Effertz holds a Bachelor of Science degree from St. John's University in Collegeville, MN.
Bridget Berg, CoreLogic, Principal, Fraud Solutions Strategy
Bridget leads the delivery of fraud risk management solutions to the mortgage industry. With over 30 years of major financial institution experience, she has focused on all aspects of mortgage fraud, managing investigations and developing fraud risk programs and analytics.
Prior to that, she was a Vice President of Fraud Risk Management at Wells Fargo, where she managed the fraud strategies team that supports Wells Fargo Consumer Real Estate Lending business lines. From 1985 to 1996, she had roles in mortgage loan production, underwriting, closing, wholesale lending, correspondent lending, post-closing, and quality control. Since 1997, she specialized in mortgage fraud operations, strategy, controls, and development of new tools/methods to combat fraud, with an emphasis on the use of data analysis as a prevention and early detection tool. Bridget received her BA in Finance from the University of St. Thomas in St. Paul, Minnesota.
TOPIC: A Case Walkthrough - Illuminating the Dark Net: Analysis of a Cyber Dark Net Investigation.
Michael Anaya, FBI Atlanta, Supervisory Special Agent, Cy2 (Cyber Crimes Squad)
The FBI selected Michael F. D. Anaya to serve as a Supervisory Special Agent (SSA) in the Atlanta Field Office on a Cyber Squad. He was chosen, due to his outstanding work as a lead Agent on several complex Cyber cases and his reputation as a strong and dynamic leader. In addition, SSA Anaya has a breadth of knowledge (spanning 12 years) in various other investigations involving program fraud, extortion, terrorism, fugitive apprehension, and counterintelligence. Prior to joining the FBI, SSA Anaya worked as a lead application developer, designing and developing software for major commercial banks. In college, he studied Business Computer Systems and Finance at various universities.
PANEL DISCUSSION: Georgia Department of Banking and Finance. 2017 in Review and 2018 Updates
Rod Carnes, CFE, CMEM – Deputy Commissioner for Non-Depository Financial Institutions, Georgia Department of Banking Finance
Rod was appointed to his position in November 2005. He was hired as the first full-time Mortgage Examiner in 1998 and later promoted to Chief Investigator for the Mortgage Division, before becoming the Supervisory Manager for Licensing in April 2004.
Rod is the Immediate Past President of the American Association of Residential Mortgage Regulators (AARMR) and still serves as a Director. He has served on the AARMR Board of Directors since 2007 and previously held the positions of President, Vice President, and Secretary. Rod has served as an AARMR representative on the State Regulatory Registry (SRR), State Coordinating Committee (SCC), and NMLS Policy Committee.
Prior to working for the Department, Rod worked for the Department of Human Resources and in the private sector in management for seven years. He also worked as a Deputy Sheriff while attending college. Rod is a graduate of the University of Georgia with a Bachelor's Degree in Political Science, with a concentration in accounting. Rod is also a Certified Fraud Examiner from the Association of Certified Fraud Examiners and a Certified Mortgage Examinations Manager from the Conference of State Bank Supervisors.
Felicia Faison-Holmes
Director for Non Depository Financial Institutions, Georgia Department of Banking Finance
Felicia began her career with the Department of Banking and Finance in 2006 in the Legal and Consumer Affairs Division. In 2008, she transitioned to the Non-Depository Financial Institutions Division as its Attorney. Prior to joining the Department, she worked in the financial services industry and practiced commercial litigation with an international law firm.
Felicia attained a Bachelor of Science degree in marketing from Hampton University in Hampton, Virginia. She is also a graduate of Emory University in Atlanta, Georgia, where she earned the joint degrees of Juris Doctor and Master of Business Administration.
TOPIC: Shining a Light on Appraiser Fraud. Learn deceptive appraisal practices and offer guidance on how to detect inflated appraisals.
D. Scott Murphy, SRA, D.S. Murphy & Associates
Mr. Murphy has been appraising real estate since 1985. In 1993 he earned his SRA designation from the Appraisal Institute – a credential earned by less than 1% of the appraiser population.
In 1996 he established D. S. Murphy & Associates and has grown the firm to have over 70 associates – servicing Georgia, North Carolina, South Carolina, Tennessee, Florida and California.
In 2004, Mr. Murphy was appointed by Gov Perdue to the Georgia Real Estate Appraisers Board where he is actively working to improve the laws and more closely regulate appraisers in Georgia. He has served as the Chairman of the Georgia Real Estate Appraisers Board for the past three years.
He is an active member of the Appraisal Institute, the National Associates of Realtors, the Northeast Metro Atlanta Board of Realtors and the Georgia Real Estate Fraud Prevention and Awareness Coalition.
PANEL DISCUSSION: The Fraud Trends the GSE is Seeing Today
Robb Hagberg, Freddie Mac, Director of Enterprise Fraud Risk
Robb is Freddie Mac's primary spokesperson on fraud and suspicious activity. Robb is also the Financial Fraud Investigation Unit's liaison both within and outside of Freddie Mac relative to development of policy, guidance and strategy as they are related to fraud and anti-money laundering matters. Since 2006, Robb has directed detection, investigation, and resolution of complex mortgage fraud and other fraud schemes that cover all 50 states as well as supporting Freddie Mac's anti-money laundering efforts. He and the Financial Fraud Investigation team actively assist numerous government agencies and law enforcement with mortgage fraud investigations including FHFA-OIG, FBI, US Attorney's Offices, U.S. Postal Inspector, IRS, state regulators and licensing boards.
Prior to joining Freddie Mac, he held leadership roles in the fraud investigations and quality assurance spaces for Option One Mortgage in Jacksonville, FL, ABN AMRO/LaSalle in Ann Arbor, MI and Mortgage Guaranty Insurance Corporation (MGIC) in Milwaukee, WI. Robb has a BS from the Indiana University School of Business. The focus of his degree was on Marketing, Advertising and Business Management.
Sean Sowards, Fannie Mae, Director, Mortgage Fraud Investigations
Sean is responsible for all aspects of Fannie Mae's mortgage fraud investigation efforts. He directs investigators in the identification, investigation, and reporting of mortgage fraud and other related fraudulent activity in the mortgage lending space. He also serves as Fannie Mae's primary point of contact on mortgage fraud matters for industry, regulatory, and law enforcement partners.
Previous to joining Fannie Mae, Sean served 25 years in federal law enforcement, retiring in 2017 as the Director of Field Operations for the Criminal Investigation Division of the Internal Revenue Service. Prior to working for the IRS, he conducted mortgage fraud investigations as a Special Agent for the US Department of Housing and Urban Development, Office of Inspector General.
TOPIC: Navigating the Current Regulatory Environment
James Brody, Chair, Mortgage Banking Group, Johnston | Thomas
James actively manages complex mortgage banking litigation and mitigation matters all across our Country, for the Firm and its diverse clientele.
Over the 13+ years he has been actively involved in representing the mortgage banking community. He has successfully resolved hundreds of litigation and/or mitigation matters that involve complex mortgage fraud schemes, large-scale repurchase and/or make-whole disputes, and a myriad of regulatory compliance issues.
James has also made numerous media appearances and industry presentations regarding the prevention, detection and resolution of mortgage fraud matters, as well as how originators may successfully resolve all those repurchase and/or make-whole demands that are continuing to be made by all the major aggregators and governmental agencies.


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My boyfriend has had a bit of a problem over the last couple of months. The poor thing started a new job, and I blame it all on that. It is a really stressful job, and I think that it is getting to him. At the moment, he cannot even get an orgasm, and he just comes too quickly. It is frustrating for him, and it is hard for me as well. I feel that I am doing something wrong and I keep telling my girlfriends at Dalston escorts of https://charlotteaction.org/dalston-escorts that I feel terrible about it. In many ways, I wish that he would not have changed his job.
Like my Dalston escorts girlfriends know, my boyfriend is really ambitious and is always trying to push himself. I know that the answer to this is for him to slow down, and try to take it a little bit easier. From experience at Dalston escorts, I know that this is not easy to do, and most men cannot accept that stress can affect them in this sort of way. The truth is that it can, and guys should really learn how to be a bit more careful with themselves.
This is not only a sign that his nervous system is being affected but I am concerned about his heart as well. I date a couple of gents at Dalston escorts who have had heart problems as a result of stress, and they are certainly looking after themselves better now. But, I don't want my boyfriend to be one of those gents who realize this when it is all too late. Okay, most of the gents that I date at Dalston escorts are a bit more senior but they did all start somewhere and this is what worries me more than anything.
I don't mind that my boyfriend has a problem at the moment, it will go away but he must learn how to deal with it. The gents that I meet at Dalston escorts often seem to appreciate that it is their fault, and that only they can do something about it. I would totally agree with that, and that is what I keep telling my boyfriend. The thing is, my gents at Dalston escorts have been through it all and lived to tell the tale. Yes, it is great to have a high powered job, but at the same time it is just as important to live well.
My boyfriend says that he wants to make shed loads of money by the time he is 35 years old. I keep saying to him that unless he looks after himself, that is not going to happen. Sometimes, I feel that I should take him to Dalston escorts and let him meet some of the gents that I date on a regular basis, I am pretty sure that he would change his mind after speaking to them. Yes, they may have made a lot of money, but I am not sure at what cost.

subset: commoncrawl


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Alex Riggle
Alex Riggle is a middle-school math teacher and a tonsured Orthodox reader. He is the editor of The Onion Dome, a blog of Orthodox humor, and is working on a saint-of-the-day book for publication. Reader Alex is passionate about the saints and wishes for every Orthodox Christian to grow in knowledge of and love for our great family in Heaven.


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Starting the chicken on the stovetop and finishing in the oven helps prevent dry, overcooked chicken. The flavorful juices make a fresh and clean sauce--much lighter than a flour-thickened gravy. Serve with steamed rice, couscous, or quinoa for a simple summer meal.
How to Make It
Preheat oven to 350°. Season chicken on both sides with salt and pepper. Cook chicken in hot oil in a large ovenproof skillet over medium-high heat 2 minutes on each side or until browned. Remove chicken from skillet, reserving drippings in skillet.
Reduce heat to medium. Add shallot to hot drippings in skillet, and sauté 3 minutes or until tender. Add ginger and garlic; sauté 45 to 60 seconds or until fragrant. Add basil, chicken broth, and peaches. Return chicken to skillet, and turn to coat.
Bake at 350° for 15 minutes or until chicken is done.


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Check before you go. Schedules and service availability are subject to change.
A natural heritage showpiece, île aux Basques is a National Historic Site, a migratory bird sanctuary and a nature preserve. The island is home to historical monuments, Basque ovens and an interpretation centre. Rustic cottage accommodation is available.
Boarding: Trois-Pistoles marina
Tel. : 418-851-1202
June 5 to September 5.
Variable, according to the tides.
Adults: $ 30
Youth (7-15): $ 17
Children (6 and under): $ 7
Taxes included


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No matter what you think of John Lydon (formerly known as Mr Rotten) you've got to admire his staying power and commitment to his own beliefs using his earnings from the aherm!! butter adverts to reform PiL and record the latest album This Is PiL. The former Sex Pistols frontman and BMI Icon Award winner brings had band PiL to Glasgow and a packed O2 ABC that promises to be a very interesting night indeed.
Fashionably late Lydon takes the stage with his customary bottle of Brandy and spit bin, with his usual charm and wit he welcomes the crowd as the band strike into Deeper Waters from This Is PiL…the prominent bass of Scott Firth fills the hall and shakes the floor interspersed by the spikey guitar of Lu Edmonds (Lu is short for Lunatic)…a brilliant composition. PiL delve back to 1979 with Albatross from Metal Box…an album loathe and loved by many in equal amounts infact the first 45mins of the set is dominated by Metal Box…Pop Tones, Careering lifting the mood with (This Is Not A) Love Song. This Is PiL takes up most of the second half of the set with Reggie Song, Out Of The Woods and One Drop… a brilliant album that is highly recommended their best to date in my opinion. Things are hotting up nicely with the pit crew starting to work for their money as the bodies roll in…PiL finish the set with One Drop again a heavily dub step/reggae influenced song. PiL return after the customary encore with Public Image and things really go radio rental this is followed by an extended Rise before concluding with the wonderfully hypnotic Open Up…the crowd are now heaving like one giant lung that refuses to deflate when PiL thank the amazing crowd and depart.
This was an amazing gig even for a PiL novice like myself, the last time I encountered John Lydon he was fronting The Sex Pistols and telling us how we 'd been conned!! Tonight we were in the church of Lydon and not Rotten and what a brilliant sermon it was too.


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JavaScript muss aktiviert sein um die volle Funktionalität der Community nutzen zu können.
When opening e-mail and even when it is already open, it often freezes with the message "Error during list messages operation". It usually takes about 20-30 seconds to unfreeze. Can anyone tell me how to fix the problem?
Many thanks.
Hello @SwissExpatOverseas
There is no announced outage regarding the Webmail.
Do you check your emails directly from the Webmail?
Have you tried to delete the cache and cookies or try with another browser?
Thanks for your reply, and yes I always open e-mails directly on Webmail, and the problem is still there after clearing cache and cookies and switching to another browser.
Thank you for your feedback.
I forwarded your request to our technical support.
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You hope that all will go well on the way to grandma's house. Things go well in the car, but as the door opens at her house, your child turns into a Tasmanian Devil! A whirling dervish of mayhem that grates on family members and causes you unneeded embarrassment and stress. Here are some tips that can help prevent your child from turning into a Tasmanian Devil.
1. Schedule, schedule, schedule. You and your child can sit together in a quiet place and draw a timeline with pictures. Start with a drawing of your car at your house with the time you'll be leaving placed just below the car. Mark a point on the timeline where snacks will be eaten, where you'll stop for lunch, take a restroom break, etc. Encourage your child to document your trip on the timeline including sights along the way, unique cars they see, towns you pass, etc. This gives your child structure, a sense of participation, and keeps him occupied.
2. New or different environments can cause rambunctious behavior. It can be difficult for your child to control himself with the added excitement of the holidays. To minimize inappropriate behaviors and maximize holiday cheer, rehearse the event beforehand. Assign family members a part in the rehearsal; you and your child will play yourselves. Select one other family member to play the role of the friend or family member whose house you'll be visiting. Brainstorm with your child Act I, Act II, Act III, and Act IV.
Act I, driving to person's house.
Act II, being greeted at the door and spending time with the host prior to dinner.
Act III, dinner.
Act IV, activity after dinner and goodbyes.
For each Act, discuss expectations and timelines. After this discussion, you should act out and rehearse each part of your 'play'. Take the opportunity to redirect when behaviors are inappropriate and provide positive feedback when your child displays desired behaviors during your rehearsal. An interactive dress rehearsal will allow your child to develop a clear understanding of expectations over the holidays.
3. Use a secret code. A word like "snowball" or a gesture like touching the tip of your nose can be your secret code to your child that means they need to adjust their current behavior. Allowing your child to practice this during your dress rehearsal can be fun and will keep you from having to yell or discipline your child in front of family.
4. Make the most of your child's talents. Recite a poem, do magic tricks, take care of a younger child, present the host with some artwork they did while waiting for dinner, set the table, or sing holiday songs.
5. Prep other family members you'll see over the holidays, and ask them to provide positive praise for good behavior. This can make a world of difference.


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The vast amounts of protected greenspaces and wildlife habitats provide our residents with great wildlife viewing areas. The free flowing creeks and Hidden Pond are habitats for many types of fish, waterfowl, deer, coyote, bobcats & wild turkeys. Woodlands Edge invites residents to find a quiet spot in the protected forest and observe our "wild" neighbors.
Woodlands Edge continues to plant nearly 1,500 trees each year to ensure a healthy forest for generations to come and to create secluded wildlife viewing areas.
Woodlands Edge has also partnered with these wildlife & conservation organization to reestablish native habitats in the neighborhood.


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At the conclusion of the Univeristy of Hawai'i at Manoa Counselor Workshop, the HACAC Fall Membership Meeting will take place in the Campus Center.
We look forward to seeing you there!
Address: P.O. Box 236052, Honolulu, HI 96823-3520
Email: email@example.com
HACAC is a non-profit organization of professionals working in the realm of college admissions, both on the secondary and post-secondary levels. Like our parent organization, the National Association for College Admission Counseling (NACAC), we are dedicated to helping students transition to post-secondary education through education, collaboration, and community building.
"Hawaii Association for College Admission Counseling" is a 501(c)3 non-profit organization.


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Medical historian Susan M. Reverby was researching syphilis in 2010 when she unearthed a cache of shocking documents from the U.S. Public Health Service (USPHS). These unpublished papers, dating from 1946 to 1948, revealed that the U.S. government funded a study in Guatemala to test the effectiveness of penicillin in treating STDs such as gonorrhea, chancroid (which causes genital sores) and syphilis.
Why? Franklin Delano Roosevelt was determined to find cures for the sexually transmitted diseases (STDs) that plagued U.S. soldiers during World War II. He charged the top brass in military medicine with this mission. Some researchers thought penicillin could prevent infection after exposure to the venereal diseases, and the Guatemalan study was set up to test this theory.
The U.S. Department of Health and Human Services estimates that 1,300 were involved in the study. The New York Times' overview of the subsequent White House bioethics panel investigation numbers the subjects at 5,500, with 1,300 infected as a result of the experimentation.
What Happened?
The leader of the experiment was Dr. John C. Cutler, a dean of the University of Pittsburgh, who'd investigated the spread of STDs at a prison in Terre Haute, Indiana, in the early 1940s and who would go on to supervise the Tuskegee experiments in Alabama. In the Terre Haute experiments, prisoners were asked for their consent to be infected with gonorrhea and awarded commuted sentences for participation in the study. In Tuskegee, African-American sharecroppers who had syphilis were told they were being treated for the disease but were, in fact, simply being observed without medical treatment.
Between the Terre Haute and Tuskegee experiments, Cutler spent 1946-1948 in Guatemala, studying prisoners, prostitutes and patients with mental retardation. In Reverby's report, she explains that infecting subjects with syphilis — "syphilization" — was a method used to monitor the body's response to "fresh infective material," observations from which could empower scientists to better understand "superinfection and reinfection."
That was just part of Cutler's objective. The other part was to find a preventive measure to combat the disease directly after exposure. In military medicine, the go-to preventative was calomel sulphathiazole ointment, which reportedly caused major discomfort. Could penicillin be a less painful, more effective alternative?
Cutler's team infected prostitutes with syphilis, then ushered them into prisons to have sexual intercourse with prisoners and spread the disease. For those who didn't contract the disease through intercourse, Cutler directed his team to abrade their faces or genitals, then directly transfer the bacteria into open wounds. Some prisoners had the bacteria injected into their spines. The same methodology was used in mental hospitals, and documentation shows that patients were injected with syphilitic bacteria in their spines, base of their skulls or in moist, open points of entry, such as the eyes and rectum.
It probably goes without saying that the subjects of the experiment did not give their consent for participation and weren't aware they were being given syphilis. Of those infected, an estimated 700 were treated — and not all of them were given appropriate doses of penicillin. At least 83 died, though there is no proven correlation between death and syphilitic infection.
Official Unease
As he conducted his research, officials back in Washington grew uneasy about Cutler's work. The USPHS physician R.C. Arnold, one of Cutler's supervisors, thought the experiment was ethically dubious. "I am a bit, in fact more than a bit, leery of the experiment with the insane people," Arnold said. "They cannot give consent, do not know what is going on, and if some goody organization got wind of the work, they would raise a lot of smoke. I think the soldiers would be best or the prisoners for they can give consent. Maybe I'm too conservative."
What was Cutler's response to this kind of criticism?
Reverby found letters that reflected Cutler's anxious state of mind, well aware he was pushing the boundaries of ethical conduct. Her report includes this excerpt from Cutler's collected correspondence: "As you can imagine ... we are holding our breaths, and we are explaining to the patients and others concerned with but a few key exceptions, that the treatment is a new one utilizing serum followed by penicillin. This double talk keeps me hopping at time."
Cutler also wrote that he was worried his experiment might be shut down with "a few words to the wrong person here, or even at home" that "might wreck it or parts of it."
His fears were justified. In 1948, Reverby reports that Cutler was summoned home and reassigned to a new project. He was directed to leave behind his "laboratory materials," and he never published his findings in medical journals (although a colleague did publish some details).
Decades Later, a Discovery
Cutler went on with his career, and the dark secrets of his experimentation lay mostly buried until Reverby's research uncovered them in 2010. The White House assembled a bioethics panel to investigate the case, and as a result of their findings, President Obama issued a formal apology to the president of Guatemala, and Secretary of State Hillary Clinton and Health and Human Services Secretary Kathleen Sebelius also issued a statement and apology. The five remaining survivors, all aged 80 or older, were located and given medical tests and treatment.
Addressing the scope and structure of Cutler's experiment, Reverby remarks that the researcher drew from "the usual quartet of the available and contained," that is, prisoners, mental hospital patients, children and soldiers. These are parties who are less empowered or powerless to give consent.
Dr. Catharine Young, who works in biomedical sciences and is currently serving as Senior Science and Innovation Policy Advisor for the British Embassy, says, "If you speak to scientists who are involved in human research, you will find that the culture is one of: 'If you are not willing to test it on yourself, don't do it to others.'" Young adds, "It is also important to realize that research follows the same principles as medicine, in that even if one is conducting research for the benefit of the society as a whole, you first do no harm to the individual (the subject)."
She explains that the 1960s saw the implementation of institutional review boards (IRBs) "in part because of cases like Cutler. Thankfully, because of these regulations and the many safeguards in place, the culture simply does not allow for these types of practices to occur."
So, is this to say that there's no longer experimentation performed on anyone who can't give consent? The answer is complicated.
"Take children, for example," Young says. "Children are unable to consent legally because they do not understand what they are volunteering for. Their guardians may consent on their behalf." This doesn't mean that scientific research shouldn't be conducted with children.
"Often the most critical research populations that require the most attention are those who cannot consent for themselves — consider Alzheimer's patients, for another example." Young clarifies, "While the benefit of research on these individuals could ultimately lead to enhancing lives in the future, it should never be at the psychological or physical risk of the subject."
Cutler might have had aspirations of eradicating syphilis or finding a more soldier-friendly treatment for infection, but he endangered thousands of lives and double-talked to make progress in his living Guatemalan laboratory.
"As scientists, we have a duty to ensure that we contribute to the progression of our respective fields; however, our work should never place us in a position whereby our lives become more important than the lives of our subjects," Young says. That is where Cutler failed and why the United States apologized on behalf of him decades after his files were buried and lost to time.


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Customizing Guide
From JCWiki
Welcome to the Customizing Guide. Look at this as your manual to the hobby. Whether you're just starting off or you're trying to add new skills, you can come here to find tutorials from your fellow customizers.
The Basics
- What paint do I use?
- What tools should I have?
- How do I take the figures apart or put them together?
- A brief guide to basic painting techniques.
- How do I paint eyes so they look good?
- What's it take to make a basic custom vehicle? - by Airtight
Advanced Techniques
- Adding Wrist Articulation
- Swapping lower arms
- Creating a quick change head mount
- Detailing, camouflage and other advanced painting techniques.
- Dyeing
- Python Patrol Vehicle Painting How-To - Python Viper's guide to getting that Python-fresh finish.
- Tiger Force Painting How-To - How to paint Tiger Force patterns for your custom figures by iwbeta.
Problem Areas
- Remove a Screw - nova's guide on what to do if you have to deal with a stripped out screw.
- Taking apart Zartan, Zandar, Zaranna and Ninja Force
- Hasbro Color Conversion Chart
- Custom Paint Mix Guide
- Camo Reference Sites
- Weapon Reference Sites
- A list of real guns the 3 & 3/4 accessories are based on
- Different methods on how to best clean dirty vehicles and playsets
Other Stuff
- Black Ice: A Slippery Slope for the Customizing Community? - pluv explores the ramifications of the high auction price of a limited edition custom.
- Custom Figures in Dio-Stories - Tim Elf's look at the use of customs in the storytelling arm of the fandom.
- Evolution of Customizing - How the hobby came about by pluv.
Other Guides
- Evilface's Custom Crash Course
- How to Make a Custom Clutch Figure
- Creating a Vac-Metal Effect for customizing by Chris Marsh
- Tips & Tricks - A large collection of guides that can be used for painting props and dio sets.
- US Military Ranks - A chart showing equivalent ranks across the services on JMM's Joe comic page.


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Death toll rises to 21 in wake of powerful quake at Japan's Hokkaido: gov't
Saturday, 2018-09-08 13:47:57
A total of 21 people have been confirmed dead, six others in state of cardiopulmonary arrest, and 13 people remain missing in the wake of a powerful earthquake that rocked Hokkaido Prefecture in northern Japan on September 6, Japanese government said on September 8.
The government's top spokesperson, Chief Cabinet Secretary Yoshihide Suga told a press conference on September 8 that a total of 40,000 people, including local police, firefighters, Self-Defense Force personnel and Japan Coast Guard, are searching for the missing and helping the disaster-hit areas "with all their efforts."
At one point after the powerful quake on September 6, some 2.95 million homes in Hokkaido were without electricity as the whole prefecture suffered a power outage.
Suga said that while power was restored in most of the areas, some 20,000 households were still without electricity, and he urged homes and offices already with power to cut usage by about 10 percent.
An earthquake with a preliminary magnitude of 6.7, struck Hokkaido prefecture at 3:08 a.m. local time September 6 (1808 GMT).
The quake logged the maximum 7 on Japan's seismic intensity scale, marking the first time for Hokkaido since the seismic scale was revised in 1996, according to Japan's weather agency.
According to public broadcaster NHK, as of 6:00 a.m. local time Saturday (September 8) morning, some 30,000 households across Hokkaido were still without water supply.
As of 11:00 a.m. local time, some 12,000 people were still taking refuge in more than 430 emergency evacuation shelters across the prefecture, said the public broadcaster.


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I find the details of steampunk irresistible; if they're done well, I overlook deficiencies of plot or character development. So imagine my delight at a fun steampunk novel that also provides a memorable heroine and an absorbing mystery AND is surely the start of a series.
Maddie Hatter is the alter ego of Madeleine Main-Bearing, wealthy daughter of a Steamlord. Maddie is a fashion writer in Egypt hoping for a story that will give her more meaningful reporting jobs than what gloves the ladies in Cairo are wearing, when her potential big break falls from the skies–Baron Bodmin has disappeared while seeking the Eye of Africa, a priceless diamond. If Maddie can find either the baron or the diamond, her career will skyrocket. But when the mystery leads her back to England, she has to tread carefully–revealing her identity would incur her powerful father's wrath.
The steampunk world Barnard has created is rich in detail. Maddie's clockwork bird in particular is inspired, and even steals a scene or two. There are nods to Agatha Christie, Clue, and Indiana Jones (and Alice in Wonderland, of course), which add to the fun. Maddie is an engaging heroine, and her decision to abandon her birthright in favor of adventure and a career makes her a sympathetic one. She's smart and capable, but asks for help when she needs it. There are plenty of clues and red herrings to keep Maddie and the reader guessing until the end.
A throughly enjoyable steampunk mystery.
Source disclosure: I purchased this e-book.


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Bring your bathroom design to the forefront with a deep freestanding bath, or simply upgrade to a quality inset piece that will cater to your busy family home for years to come.
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J.R. Carpenter
Artist Website: J.R. Carpenter
Bio: J. R. Carpenter is an award-winning Canadian-born UK-based artist, writer, performer, postdoctoral researcher, associate lecturer, and maker of maps, zines, books, poetry, short fiction, long fiction, non-fiction, and non-linear, intertextual, hypermedia, and computer-generated narratives. She lives in Devon.
Title: J.R. Carpenter: Object-Oriented Interview By Andrea Zeffiro
November 2013 marks twenty years since artist, writer, performer, and researcher J. R. Carpenter first began using the internet as a medium for the creation and dissemination of experimental texts. This interview will examine material, formal, and textual traces of a number of pre-web media – including the LED scrolling sign, the slide projector, and the photocopy machine – which continue to pervade Carpenter's digital work today
Onsite: No
Duration: N/A
Equipment: TBA
Documentation: Interview
- Matt Soar
- Erin Costello and Aaron Angello


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Niue is one of the world's largest coral islands. This upraised coral atoll, affectionately known as "The Rock of Polynesia", is situated in the south-west Pacific Ocean, just over 3 hours north of New Zealand.
The coral make up of the island and the surging Pacific Ocean has created a rugged coastline of soaring archways, deep chasms, cool caves, fascinating rock pools and intimate swimming coves. A fringe of coral reef clings to Niue's sides before plunging to abyssal depths.
As there are no sandy beaches, streams or rivers on Niue, the rain filters through the porous coral into the warm waters of the Pacific, completely devoid of any silt runoff. This allows the surrounding ocean to remain crystal clear with visibility often reaching up to 70 metres - wonderful for diving.
The interior of the island is the remains of a shallow lagoon and is therefore flat with lush, tropical rainforests rich in diversity of spectacular flora and fauna, bird life and butterflies are everywhere. The entire island is laced with a myriad of magnificent limestone caves and unique geological formations. Many caves are still being formed with stalagmites and stalactites in all stages of development. The bush tracks through the forests are not clearly signposted so it is essential to explore harder to find caves with a local tour guide who will provide an insight into their history.
Niue is a unique, unspoiled island destination. It is laid back, quiet and peaceful, an island for the explorer and adventurer and for those who want to relax in an un-commercialized environment among friendly people.
The island country of Niue covers an area of 269 sq. km. The island is almost completely surrounded by coral reef, except for a break in the reef near the capital of Alofi on the central, western coast. Two large bays at Alofi and Avatele indent the west coast. 60 metre high limestone cliffs along the coast protect a number of limestone caves and rise to a central plateau. There is a mostly sealed 64 km road that circumnavigates the island as well as inland routes leading from Alofi to the surrounding villages. On Niue there are no traffic lights!
Getting there
Air New Zealand services Niue with twice weekly flights from Auckland, New Zealand to Niue with connections to / from Australia. You will gain a day on arrival as you cross the International Date Line.
Whale Watching
Every year (generally varying from June to October), the Humpback whales arrive in Niue's waters to calve and nurse their young on their annual migration through the South Pacific. Niue is one of the few places in the world where you may be lucky enough to swim with humpback whales during this period.
Niue is laced with caves ranging in size from wormholes to giant caverns. These systems formed the basis of ancient Niuean homes, food storage and burial places.
Guided cave tours and expeditions are graded from easy to challenging dependent on visitors needs and abilities. The guide has extensive knowledge of the history and legends of the caves.
Niue is legendary amongst in-the-know fishermen. The steep drop off to the abyss on the edge of the Pacific Plate provides fishing just metres off shore. Large predatory fish use Niue as a marker and stopover point. Big game and sport fishing are excellent.
The main species targeted are Wahoo, Mahimahi and
Yellowfin Tuna with Marlin also being taken. Boats
are lowered by crane and trolling begins within
metres of the wharf with no time taken up with
getting to fishing spots. Saltwater fly-fishing
can also be tried with lines cast close to the
reef from off shore.
Forest Walks
A magical 3 hour tour exploring the depths of Niue's marvellous rainforest is a must. As walking tracks are scarce a guided tour with a botanical expert is a good idea and will enhance your senses and knowledge of the ancient forest.
Mountain Biking
The mainly flat terrain and lack of traffic makes biking a relaxing and fun pastime. Ride the sealed roads to one of the many coral pools around the coast or go off road on trails through taro fields and tropical rainforests. Good quality and well maintained bikes can be hired from rental companies.
Niue Golf and Sport Club
A 9 hole golf course and 2 tennis courts are available. The course is a little underdeveloped but the clubhouse is well stocked and friendly. Clubs and rackets can be hired at reasonable rates.
Niue has a warm and pleasant tropical climate with temperatures consistently ranging between the high 20's during the day to the low 20's at night (ºC).
The wettest and hottest months of the year are from January to March.
July to September is the best time to see the annual humpback whale migration.
Niue's isolated location, lack of rivers and porous make-up, provides stunning clarity with water visibility of no less than 40 metres. Great for underwater photography. Explore drop-offs, canyons and caves.
The reef, predominately made up of hard coral, drops to around 40 metres, where it levels off for a short distance before heading off into the vastness of the abyss. There are numerous dive sites, some quite challenging.
Snake Gully has an abundance of timid sea snakes measuring up to a metre long. They ascend to the surface for a gulp of air before returning to probe the crevices of the reef for food. Along with the usual reef dwellers you will encounter reef sharks, barracuda, Maori wrasse, the comical anemone, surgeon fish, Moorish idol, regal angelfish, long nosed butterfish, large fin banner fish, the crown of thorns starfish and the elusive aqua Ribbon eel.
dolphins are in attendance all year. Every year,
between June and November the migrating Humpback
Whales are a common sight frolicking around and
breaching close to shore.
Enter a hole five metres below the surface and drop down vertically through the 'chimney' reaching "the fireplace " at twenty seven metres. As you descend, the bubbles from the divers below drift pass, giving the feeling you are in space. Look up and you have a silhouette of the following divers. At the base you are in an arch from which you look out into the deep blue waters. The fireplace is a favourite haunt for crayfish.
This dive site is one of the further sites from the dive shop. However it is defiantly worth the trip.The dive is based around two large caverns in the reef flat dropping down from a shallow 6m down to 28m. As you make your way through the caverns you can encounter Nudibranchs, Juvenile Scorpion Fish, friendly Sea Kraits, Spotted Rock Cod and on occasions a Black Tip Reef Shark or a Napoleon Wrasse. This is a great dive for those that enjoy caverns and swim throughs but also has a variety of marine life both large and small.
There are several stunning in shore swimming areas and coral pools like Matapa Chasm and Limu that offer a gentle introduction to the marine world beyond the outer reef.
The clear shallow waters with temperatures between 25 – 28°C, teem with colourful fish and living coral. You can snorkel around the rock pools, some formerly reserved exclusively for Niuean kings, for hours without growing tired or cold.
|Namukulu Cottages and Spa
10 mins drive north of Alofi
Budget: $$
Wifi: Yes
|Scenic Matavai Resort
10 mins drive south of Alofi
Budget: $$-$$$
Wifi: Yes (charges apply)
|Matavai Motel and Villa
1.7km north of Matavai Resort
Budget: $$
Wifi: Yes
Niue is an isolated island located in the South Pacific between Tonga to the west and the Cook Islands to the east. Best known as 'the Rock of Polynesia', Niue is a perfect example of a 'raised atoll' island, the world's largest single coral island. The international country code for Niue is 683. Niue is 11 hours behind of Greenwich Mean Time (GMT).
(subject to change)
Australian passport holders do not need a visa to visit Niue for a maximum stay of 30 days. For other passport holders, please contact the appropriate authorities to check your entry requirements. An NZeTA may be required for travel via New Zealand - please check for the latest requirements.
The currency of Niue is the New Zealand Dollar. Visa is the only credit card accepted on the island.
1 AUD = approximately 1.03 NZD (August 2019)
The isolated location and lack of rivers results in stunning visibility, usually reaching over 40 meters with water temperatures between 25°C to 30°C. Niue is a true underwater photographers dream. You will be able to explore magical drop-offs, canyons, caves, tropical sea life and corals. It is also possible to snorkel with humpback whales between July to October. A 3-5mm suit is recommended. Dive operators supply tanks, weight belts and dive guide services. There will be an extra charge if equipment hire is required.


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New Delhi (AFP) - India has signed a $750 million agreement with the United States to buy 145 howitzer artillery guns from BAE Systems, an official said Thursday, its first such deal in three decades.
India, the world's number one defence importer, is updating its military capabilities with hardware worth tens of billions of dollars in the face of long-standing tensions with regional rivals China and Pakistan.
It has been in discussions since 2012 to buy BAE Systems' M777 ultra-lightweight guns through the US Foreign Military Sales programme.
"India has signed the letter of acceptance which formalises the contract between India and the US for the howitzer guns," a defence official told AFP in New Delhi.
The deal, worth nearly 50 billion rupees, will see 25 guns being delivered in ready-to-use condition with the rest being assembled in India, the official said on condition of anonymity.
The howitzers, with a maximum range of 30 kilometres (17 miles), will be used by the army's mountain artillery divisions along India's high-altitude frontiers.
India has fought three wars with arch-rival Pakistan since independence in 1947, but China is increasingly seen as the main focus of its ambitious military modernisation and procurement policy.
India last purchased howitzers for the army in 1986, when it bought 410 field guns from the Swedish arms giant AB Bofors.
The Bofors deal became mired in corruption allegations and cost then Congress Prime Minister Rajiv Gandhi the 1989 national elections.
BAE Systems said in February it had chosen India's Mahindra group to build a plant for assembling the artillery guns.
Prime Minister Narendra Modi has said he wants foreign manufacturers that win lucrative hardware deals to invest in India by partnering with local firms.
"The first two howitzers should be delivered within the next six months," the official said.


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Professor Roger Reed is a world leader in the engineering and science of high-temperature alloys, particularly the design and processing of nickel superalloys, which are ubiquitous in the aero-engine and power-generation industries. His sustained efforts in process modelling have been instrumental in the impact on industrial practice.
His pioneering work via 'alloys-by-design' approaches has transformed understanding of the high temperature capabilities of these materials to resist creep deformation and degradation, and led to both improved and new corrosion-resistant superalloys. This has provided better properties, lighter components, elevated engine efficiencies, and reduced emissions with substantial and sustained engineering and societal impact.
Roger is a Visiting Professor at PRISM2.


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Yes, it's been that prickly time of year again when my husband grows facial hair to raise money for prostate cancer.
To make the end of Movember and to celebrate, a huge party is held. Andy took Jenna with him to the Toronto one - they went dressed in 70s garb. Thought you'd like to see the photos.
December 4, 2010


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Hear Robin Wright Talk About The Conflict Free Campus Initiative at Georgetown
Robin Wright just got back from the eastern Congo, a trip she took with the organization Raise Hope for Congo. Now, she's ready to share her experience and inspire others to help end the use of conflict minerals.
Robin Wright and John Prendergast will be speaking on why student activism matters at a free event at Georgetown University on September 14th as a part of the Conflict Free Campus Initiative. Want to be there? Space is limited so reserve your spot now.
The Conflict Free Campus Initiative is a movement that asks student activists to encourage their university to pressure electronic companies to stop using conflict minerals. Schools are often big purchasers of products that use conflict minerals like computers. Because of the power of consumers, if big buyers demand that electronic companies stop using conflict minerals, those companies will be more likely to listen. Hence the need for student activism to get their universities on board.
Learn more about how to get involved with the Conflict Free Campus Initiative, or just how to speak out against conflict minerals at the event, or if you're not in the D.C. area, at the Raise Hope for Congo website.


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For as long as I can remember I've been scribbling down quotes, tearing out stories and pictures from magazines, and saving snippets from websites here and there. I realized I had all these great little pieces which I sometimes would go back and read through, but often times they would simply be captured to never be seen again. All along I've been curating my own collection of tales, smiles, tidbits, and advice. Her Curator is my curator and I hope you'll enjoy the collection along side me.
There's no time like the present….
…the solution? Start tinkering and just start. Thank you @markmcguinness for the jump start!


text: Korea Trade Show Tokyo G-Fair 2016(19-20 April) Next List 본문 We, playland will participate at Korea International Trade Show Tokyo G-Fair 2016 on April, 19th - 20nd. G-Fair is started at 2005, and this year is the 16th fair. Please kindly refer below information and if you want to participate, please let us know. Next List


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Sensum and Akamai reveal how consumers feel towards video streaming quality
Is there anything more annoying than when your favourite programme starts to buffer? At 9pm on a Sunday night, probably not. Sensum and Akamai team up to understand the impact online video quality has on...
How many times have you closed your internet tab due to the frustration of constant video buffering? As consumers, we expect everything to run smoothly with brands and services both in the physical and digital world… so when it comes to online video streams, how do we react and feel when the viewing quality doesn't meet our needs?
At the beginning of the year, Akamai approached Sensum to investigate the impact that online video quality has on viewing experiences.
Main objectives
To understand how video quality affects a person's association with the business model they are using.
To know how video quality makes consumers feel both rationally and emotionally, explicitly and implicitly.
How did we undertake the study?
With our emotion AI solutions, we studied over 1,200 consumers in the UK using different delivery methodologies. Our team set them up with either a high quality or low quality viewing experience whilst using biometric measurements (Skin Conductance or Facial Coding). An Image Association Task was also conducted to determine what positive or negative words are associated with the tested business models. Respondents were selected to take part online around the UK or on-site in Belfast. Online respondents viewed the content on their PC or Laptop and were instructed to watch it in a room with correct lighting and viewing conditions. The on-site respondents at Sensum headquarters watched the content on a 55inch 4K TV in viewing rooms that met the VQEG standards.
To remove any previous emotional association with the business models studied, three fictional brands were created:
Brand 1: Quick TV (Transactional based service - user pays for each piece of content individually)
Brand 2: 24/7 TV (Subscription service - user pays subscription fee every month)
Brand 3: Free TV (Ad supported service - user pays nothing but has to watch unskippable adverts)
The same content was used across all the brands to nullify the impact of content type on the respondents.
So what did we find?
You may not be surprised to hear...but buffering is boring! And whether it occurs on free or paid subscription services, viewers' engagement will decrease and their relationship with the brand will be affected.
After analysing our results, we have highlighted the top 10 statistics that we think will be of interest:
1) At the moment of buffering, happiness drops an average of 14%,
2) Negative emotions (disgust and sadness) increase an average of 8%.
3) Buffering causes users' attention to decrease by 3% and their focus by 8%.
4) The feeling of 'surprise' increased by 27% during the period of buffering, and alongside the results above this constitutes a negative emotional impact on users' experiences.
5) The effect of buffering is not so much creating negative association with the business model, but could potentially damage positive association.
6) 76% of respondents are sensitive to the quality they receive, meaning providers must provide high quality service to ensure positive emotional association is not lost.
7) Users on a smartphone are more likely to drop out of watching content quicker than Smart TV, PC or laptop users.
8) When comparing responses, the Quick TV and Free TV brands were 64% less engaging than 24/7 TV - showing the subscription service receives the greatest emotional impact from users.
9) If a consumer receives a high quality experience, their tolerance to annoyance is less than with low quality, especially with the 24/7 TV subscription model. Therefore services must deliver that expected top quality experience every time.
10) Skin conductance results show buffering decreases engagement with content by 19.8% across all business models. Comparing this with the survey responses, if this happened continuously 67% of users would cancel their service.
So what can we recommend?
Well it's safe to say that buffering is not something UK TV lovers are fans of. Whether an online video service provides the content for free or not, they need to ensure buffering occurs as little as possible if they want to keep their customers happy... as well as literally. As consumers, the amount we watch programmes online is only growing, and the same will happen with our expectations! Using our emotion AI technology, we were able to highlight the importance of quality in this industry. Services that provide high quality viewing experience at all times will lead the market… and those who focus too much on quantity will unfortunately soon buffer themselves out of success.


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My sister and her friend This is only my second story so leave me feedback please. It was a boiling Monday night in the summer holidays, with sweat dripping off my face after a good training session with the football team. I decided I would have dinner then have a bath, my parents were out so It was down to me to cook dinner for me and my sister (Megan) and her best friend Dionne.
Both girls were 13 and both beautiful. Megan was slightly chubby but for a 13 year old she had massive tits and a big bum as well.
Her figure was average and was quite small, around 5'7. Dionne was the most gorgeous girl I had ever seen, she had lush blonde and brown hair, a lovely hourglass figure with small but perky tits and a lovely lovely bum.
During dinner both girls were giggling and whispering and couldn't keep there eyes off me but I made nothing of it and carried on eating.
After dinner I ran myself a bath whilst the girls went to Megan's bedroom, I got In the bath and watched highlights of the man utd game on my iPad. I dried myself then wearing nothing but a towel excited the bathroom and as soon as the door opened my sister called me to her bedroom. I opened the door and the girls told me to shut the door then sit down on the bed, I shut the door and then sat on the bed.
The girls started off asking me a few harmless questions like when's mum and dad home, how's life and what time it was. The girls seem to laugh when I said mum and dad were staying at a friends, again I ignored it and thought nothing of it. Megan was wearing some tight denim shorts which showed off her bum very nicely and Dionne was wearing a tank top and hot pants which shoved off her amazing figure.
There was a long awkward silence until Megan broke it up by saying "Jamie can we ask you some questions which you promise not to tell mum and dad?" I replied with yes and then the most unexpected thing ever happened.
"What's it like to have a penis?" My mouth opened and I stuttered with shock.
"Um um umm nice I suppose." I replied with. I was already surprised enough but then the next question was even more shocking. "How big is it," Dionne said. "9 inches when hard." I replied. WOAH that's massive both the girls shouted! There was another long awkward silence until Dionne finally broke it by saying "do you want to play truth or dare with us?" I thought about it for a minute then thought yes why not, so I agreed. "Truth or dare" Megan said, "dare," I replied with, feeling daring.
The girls whispered for a minute then told me to"take off the towel." My eyes fell out of my head with shock, I didn't want to upset the girls so I decided to go along with it. I stood up, un tied the towel then took it off. The girls gasped as they saw my penis.
I was slightly embarrassed so I quickly asked Megan truth or dare. Megan thought then replied with dare. I whispered into dionnes ear, "what you thinking?" She thought for a moment and then shouted out " take off everything but your underwear. Again I was shocked but didn't complain and Megan stood up and sexily took off her top and revealed a spotty pink and white bra which started to turn me on, she then turned around and slid down and showed off her beautiful ass.
At this point my i could feel my cock getting hard and It was slowly rising and it wasn't long before the two girls saw and whispered to each other about it. I broke up their conversation by asking Dionne truth or dare, she replied with dare and without even discussing it with me Megan shouted " kiss me!" Dionne quickly lent into Megan and started kissing megan, after about 10seconds they started snogging passionately.
There was my hot sister and her even hotter friend getting off with each other! I couldn't believe it!
It wasn't long before my sister was stripping Dionne down and both girls were naked. I watched whilst the girls started sucking on each others tits and I just couldn't handle it.
So I started stroking my hard and throbbing dick, the girls realised this and ordered me to come join them. I joined in them and had a amazing 3 way kiss whilst squeezing there tits, in the end, I had enough and picked up Dionne and threw her down onto Megan's bed.
"I'm going to fuck you, and I'm going to do it now." I declared and all Dionne did was nod her head. I shoved all 9 inches into her tight and wet pussy. She let out some moans as I started slowly fucking her tight pussy. I looked over to my sister who was sat in her chair fingering herself, weirdly this turned me on even more and demanded she came and sat next to Dionne.
She proceeded towards the bed as I picked up the pace with Dionne she was screaming with pleasure. Megan came and sat next to Dionne and I started to finger her already dripping wet pussy, with both girls letting out loud moans I could feel Megan's pussy cumming and she came all over my fingers, I then shoved my fingers in dionnes mouth as she sucked all the juice off them.
A few seconds later I could feel myself about to cum and at that very moment I could feel Dionne cumming and we both had massive orgasm. I pulled out of Dionne and had a rest before sleeping with my sister and Dionne all night.
The sex carried on for years until I moved out, but the three of us are meeting up again next month. And yes, for more sex. Let me know what you think of the story as it is only my second. The end


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Greetings techies, it's that time of the week again! Today's App Of The Week is Ninja Snap. As always, I wouldn't recommend an app that I didn't use myself.
Ninja Snap is an app for Android that lets you prank your friends. We all know that one friend who, upon receiving your phone to look at a picture, starts swiping through your other photos like a Nosy Rosie. Ninja Snap is for those friends.
How Ninja Snap Works
Ninja Snap works by taking secret selfies of your friend when they start swiping, and then the selfies will automatically show up in the phone's gallery, so all they can see is their own dumb face. The developer behind Ninja Snap says the app was inspired by a Reddit comment (by Redditor /u/dane006) which mentioned people who swipe past the photo you intended them to look at. There's also an "Infinite Gallery" option, which lets your friend swipe their own face forever, or at least until the battery dies.
The app is fairly simple to use. You load up the app, and pick one or two photos that you don't mind your friend seeing, and wait to see if they're the type of person who keeps looking through your camera roll. A different option within the app is to add Kanye West's face to the selfie (although why in the world would you look at that <insert bad name>?)
Although Android already has a screen pinning feature, that doesn't let you pin individual photos, so Nosy Rosie would still have access to your entire gallery to swipe through. When you're done, you can kill the app simply by pressing the back button.
Right now the app is only available on Android, because Apple has a strict policy of blocking apps that secretly use the camera in the background (and for good reason), so unless the developer can find a way around that, it looks like Ninja Snap might only be available for our bug droid friends. The app is also free, which makes sense because the developer probably wouldn't be allowed to monetize Kanye's mug.


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Richard Eu, is the Chair of Eu Yan Sang International Ltd (EYSI), and is in charge of the overall corporate development and management of the EYSI Group. He started with Eu Yan Sang Holdings Ltd as its General Manager in 1989. EYSI was formed in 1993 and through a series of buyouts; it was listed on SGX in 2000. In 2016, it was privatised. Today, EYSI is a leading integrative health and wellness company with a unique heritage in Traditional Chinese Medicine. Prior to joining Eu Yan Sang Holdings, worked in merchant banking, investment management, stock broking, computer distribution, and venture capital.
Richard was named the Ernst & Young Entrepreneur of the Year 2011 (Singapore) and represented Singapore at the Ernst & Young World Entrepreneur of The Year 2012 award in Monte Carlo, Monaco. He was also recognised as the CEO of the year by the Singapore Corporate Awards 2010, for SGX-listed companies with a market capitalisation of under S$300 million.
Richard actively participates in community projects and non-profit organisations. He serves as the Chair of Singapore University of Social Sciences and the Conservation Appeal Panel (URA); he is also an independent director of Broadway Industrial Group Limited, Reliance Asset Manager Singapore Ltd and Thye Hua Kwan Moral Charities Limited. In his spare time, he enjoys music, movies and tennis.


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Street Fighter V: Yoshinori Ono Mentions "Favorable Situation" Coming; Promises Patch Info Soon
Street Fighter V suffered from widespread online issues since launch, and today Producer Yoshinori Ono took to Twitter to apologize once more, also mentioning that things seem to be heading towards a more favorable outlook.
I apologize for causing you a trouble about SFV online.Things are taking a pretty favorable situation.We'll continue with our efforts for it
— Yoshinori Ono (@Yoshi_OnoChin) February 25, 2016
Ono-san also promised that information about the next patch will come within the next few days.
We'll be announcing information about SFV's next patch within next few days.I am terribly sorry, but please wait momentarily.
— Yoshinori Ono (@Yoshi_OnoChin) February 25, 2016
Unfortunately, we must add Street Fighter V to the many games that had problems caused by their online portion this generation, but at least Capcom seems to be on it.


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The last time the Red Sox played the Angels in the playoffs, Big Papi had a walk off home run to clinch the series and win the American League Divisional Series. Before 2004, you would need to go back to 1986 when the Sox faced the Angels in the American League Championship Series which the Red Sox obviously won since they played the Mets in the World Series that year…and we all know how that turned out.
Tag Archive: Mets
Oct 01 2007
Red Sox And Fenway Park Set For ALDS Vs. Angels
Permanent link to this article: http://www.armenianeagle.com/2007/10/01/red-sox-and-fenway-park-set-for-alds-vs-angels/


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Citizens in St. Louis had grown used to seeing the grim-faced, rumpled man roaming the streets, looking for work. After abruptly quitting the Army, he had failed at farming and rent-collecting and had lost out on a chance to be county engineer. He was broke. And very nearly broken.
Still, he clung to the fortune he had received from a soothsayer. "Something will happen very soon and then I will begin to rise in the world," he told his wife.
What happened was the Civil War. And only 10 years after selling firewood from a cart to make ends meet, Ulysses Simpson Grant stood at the Capitol, symbol of the nation he was credited with saving, and was sworn in as president of the United States.
That improbable rise is at the heart of Ron Chernow's masterful and often poignant biography, a 1,000-page brick of a book that nevertheless moves quickly — much like its subject in war — and persuasively upends the conventional take on Gen. Grant as a butcher on the battlefield and President Grant as a bumbler in the White House.
Chernow presents Grant as one of the great military strategists in history, outdoing his more storied Confederate foes with his brains as much as his troops, and as a civil rights president who ushered freed blacks into the mainstream of American society before Southern hostility and Northern apathy unraveled the gains made during Reconstruction.
Grant has, in fact, gotten consistently high marks in recent years from a string of historians seeking to revise William McFeely's generally negative portrayal of the general-cum-president in his 1981 Pulitzer Prize-winning book.
But Chernow's take has special cachet, one that might well succeed in cementing Grant's historical fortunes for generations. Not only is Chernow widely considered one of the best nonfiction writers at work today, but his acclaimed "Alexander Hamilton" was the inspiration for Lin-Manuel Miranda's hot musical, marking him as the rare biographer who is well-known to the general public.
Grant's story might be tougher to put to music. While Hamilton was famously colorful, Grant was Sphinx-like, modest in his Methodist way, not given to big gestures and often hard for even close associates to fathom. Short, slight and painfully reserved, he was easy to overlook and often was.
In 1861, a penniless Grant was clerking in his father's leather-goods shop when the South seceded. The West Point graduate and Mexican War veteran volunteered his services and was placed in charge of an Illinois volunteer regiment. His star began to soar.
After crowning his success in the west at Vicksburg and Chattanooga, Grant was made lieutenant general (the first since George Washington) and brought east by Lincoln to take on Robert E. Lee. He handled Lee's surrender at Appomattox with uncommon wisdom and charity, winning the grudging respect of Southerners and beginning the uneven process of healing the nation.
The Civil War years comprise the best part of Chernow's book, a familiar tale that nonetheless becomes gripping in his telling. The war unleashed qualities in Grant that must have been there all along, Chernow writes: a gift for winning his soldiers' respect, a shrewd sense for knowing when and where to strike, a knack for reading opposing generals and a fearlessness unmoved by daunting odds.
Grant was a natural choice for president in 1868 and won handily. But his lack of political experience and his native inclination to trust people made him incapable of heading off a series of scandals and fraudulent behavior among underlings that, while not directly involving him, badly tarnished his reputation.
Was Grant an alcoholic? Chernow says yes and documents various drunken episodes, some of them surely exaggerated and most occurring when he was lonely for home or bored for long stretches. He largely avoided imbibing during the war, despite the rumors that followed him everywhere.
Chernow holds Grant accountable for his missteps in the White House, but argues they have unjustly overshadowed his real legacy as president: shutting down the Ku Klux Klan and protecting the civil liberties of African-Americans with troops and vigorous federal prosecution. Succeeding presidents, Chernow writes, obscured much of the progress Grant had made by undoing many of those hard-won gains.
Grant waged his final battle against his own mortality, racing to finish his memoirs while dying of throat cancer. The result, finished a week before he died in 1885, is thought to be the best book ever written by a U.S. president. Royalties came to more than $400,000, money that his widow badly needed; in a final blow, he had lost their life savings to a corrupt investment partner.
Ulysses Grant, who once thought he might like to teach college math, didn't plan most of what happened to him. But rarely has a consequential American life played out in such dramatic fashion. Chernow's gracefully written biography, which promises to be the definitive work on Grant for years to come, is fully equal to the man's remarkable story.
Kevin Duchschere is a Star Tribune editor • 612-673-4455
By: Ron Chernow.
Publisher: Penguin Press, 1,074 pages, $40.
Event: Talking Volumes, 7 p.m. Oct. 31, Fitzgerald Theater, 10 E. Exchange St., St. Paul. Tickets $23-50. etix.com/ticket/online/


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Discuss the importance of users and analysts taking a total quality approach to improve the quality of software design and maintenance.
Total quality approach requires a high level of commitment to the software design and maintenance from both the analyst and the user. The analyst uses the structures walkthrough approach where he/she follows all the resources involved in the software design process especially the end users and the web design developers. The system analyst has to be sure of the objectives of the software and the expectations of the users. The analyst continuously gathers data from the users via surveys/questioners and delivers his/her point of view to the software designers.


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The Nexus 4 and Nexus 10 went on sale today via the Play Store and sold out within 20 minutes of the ordering page going live. The handset and the tablet first went on sale in Australia and sold out in exactly 20 minutes. In other regions of the world, including the United Kingdom and Europe, the ordering page of the handset was hardly live for 5 minutes.
Interested buyers who tried to purchase the Nexus 4 or the Nexus 10 usually ended up getting "an error occurred while processing your order" when they tried to purchase the devices using Play Store. However, later on, most of them got a confirmation mail from Google saying their order has been successfully approved and their credit card charged.
It is not yet known whether there was actually so much demand for the Nexus 4 or Google grossly under-estimated the demand for the handset. Even then, most buyers were not at all pleased with how the Play Store behaved when they were purchasing the new Nexii devices from Google.
The Nexus 4 is, however, yet to go on sale in the United States. The handset, along with the Nexus 10, will be available for purchase from the Play Store at 9AM PST/12PM EST as confirmed by Google.


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For too many Americans and Virginians, simply breathing the air can be dangerous. That's especially the case for the 306,000 Virginia children and 96,000 adults who battle asthma, the 1.1 million with cardiovascular disease, the 154,000 with chronic bronchitis and the estimated 411,000 who live in poverty. But it is true for all of us and it's that way because of soot in our air.
Soot, or fine particulate matter (PM2.5), is composed of a mixture of solid particles and liquid droplets, usually made up of several different types of harmful chemicals. It's easy to recognize as it contributes significantly to the haze that blankets many cities and national parks. Smokestacks and tailpipes churn out soot and we breathe it in, every day.
The body reacts to it in much the same manner as it does to tobacco smoke. Smaller than a grain of sand and only visible with a microscope, tiny soot particles travel deep into the lungs when inhaled and swiftly penetrate the bloodstream, immediately increasing the risk of severe respiratory distress, heart attacks and strokes.
Soot kills; leads to hospitalizations; triggers asthma attacks, heart attacks and strokes; and has been linked to causing permanent lung tissue and airway damage, reproductive complications and cancer.
For decades, the Clean Air Act has helped protect the air we breathe by letting us know and track what pollutants make it into our air and allowing us to set targets, make plans, and have accountability for reducing those pollutants over time. And perhaps most importantly, it requires that we review those standards as science helps us understand new risks.
That's happening now with soot. The Environmental Protection Agency (EPA) is reviewing the current standard for soot, last set in 1997. Since then, more than 10,000 studies have demonstrated that soot is a public health threat and that we must ensure that fewer smaller particles are able to get into the air and into our lungs.
Earlier this summer, the EPA proposed a new stronger standard for soot and is accepting public comments on these standards until the end of August. What are the potential benefits of enacting the strongest standard? By cleaning up soot, we can prevent 35,700 deaths, 23,290 visits to the hospital and emergency room, 2,350 heart attacks, 1.4 million cases of aggravated asthma and 29,800 cases of acute bronchitis every year. An estimated 2.7 million days of missed work and school due to air pollution-caused ailments would be avoided annually.
It's August in Washington and the humidity makes it hard enough to breathe for even the most healthy among us. While we see the haze of air pollution on really bad days, we do not see the particles within it. And those particles are a threat to our health and the health of our families and neighbors. I hope all Virginians and Americans will join me in asking the EPA to stand strong for a strong soot standard. We'll all breathe a bit easier when you do.
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text: Making exceptionally delicious pizza and at the same time being eco-friendly. Dr. Pizza offers fair prices notable below the big competitors. We don't have to use a wood-fired oven to make perfect pizza. Wood-burning oven uses more natural resources and also emits harmful pollution. We uses new innovation technology in pizza making that doesn't cause pollution and also save our natural resources.


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About the United States Secret Service
Protecting Yourself
Employment Opportunities
About the United States Secret Service
In 1965, Congress authorized the Secret Service (Public Law 89-186) to protect a former president and his/her spouse during their lifetime, unless they decline protection.
The Counterfeit Detection Act of 1992, Public Law 102-550, in Section 411 of Title 31 of the Code of Federal Regulations, permits color illustrations of U.S. currency, provided:
Title 18, United States Code, Section 504 permits black and white reproductions of currency and other obligations, provided such reproductions meet the size requirement. See the section on this website entitled Know Your Money for more information.
The Secret Service does not conduct government auctions. The General Services Administration handles auctions of government property. You can contact them at the following address:
General Services Administration
Protecting Yourself
If your complaint is essentially a non-criminal dispute with a retailer or other business, you must immediately dispute the charge(s) in writing with the customer relations office of your credit card company.
If you have been the victim of credit card fraud or identity theft, the following tips will assist you:
Equifax Credit Information Services - Consumer Fraud Division
Trans Union Fraud Victim Assistance Dept.
By phone:
By mail:
On the Internet:
For consumer information:
The perpetrators of advance fee fraud, known internationally as "4-1-9 fraud" (after the section of the Nigerian penal code which addresses these schemes), are often very creative and innovative. A large number of victims are enticed into believing they have been singled out from the masses to share in multi-million dollar windfall profits for no apparent reason.
If you have suffered a significant financial loss related to advance fee fraud, please contact your local Secret Service field office. Telephone numbers are available in the Field Office Directory on this website or may also be found on the inside cover of your local telephone directory. Any investigation regarding this type of fraud will be conducted on a case by case basis at the discretion of the local Secret Service and U.S. Attorney's Office.
If you ever receive an e-mail or fax from someone you do not know requesting your assistance in a financial transaction, such as the transfer of a large sum of money into an account, or claiming you are the next of kin to a wealthy person who has died, or the winner of some obscure lottery, DO NOT respond. These requests are typically sent through public servers via a generic "spammed" e-mail message. Usually, the sender does not yet know your personal e-mail address and is depending on you to respond. Once you reply, whether you intend to string them along or tell them you are not interested, they will often continue to e-mail you in an attempt to harass or intimidate you. If you receive an unsolicited e-mail of this nature, the best course is to simply delete the message.
Due to a number of aggravating circumstances, such as the use of false names, addresses, stolen/cloned/prepaid cell phones and remote email addresses, verifying the location of and subsequent prosecution of these persons or groups is difficult. The act of sending an email soliciting strangers' assistance in a financial transaction is not, in itself, a crime. The installation of a credible spam filter and contacting your Internet Service Provider may help deter these unsolicited emails. However, there is currently no available program to completely block these types of messages.
Ways to Avoid Becoming a Victim:
Tips for Determining Telemarketing Fraud:
Employment Opportunities
To apply, click on the "Apply Online" button located at the bottom of the vacancy announcement.
Applicants must be able to obtain a Top Secret clearance. Applicants must pass an extensive pre-employment background investigation. Completion of a full investigation is required before appointment. Follow this link to learn more about the background investigation.
Upon successful completion of CITP, new agent trainees attend the 17-week Special Agent Training Course at the Secret Service training academy, outside of Washington, D.C. This course focuses on specific Secret Service policies and procedures associated with the dual responsibilities of investigations and protection. Trainees are provided with basic knowledge and advanced application training in combating counterfeiting, access device fraud and other financial criminal activity, protective intelligence investigations, physical protection techniques, protective advances and emergency medicine. The core curriculum is augmented with extensive training in marksmanship, control tactics, water survival skills and physical fitness.
Secret Service agents receive continuous advanced training throughout their careers. In part, this training consists of regular firearms requalification and emergency medicine refresher courses. Agents assigned to protective assignments also participate in unique simulated crisis training scenarios that present agents with a variety of "real world" emergency situations involving Secret Service protectees. These training simulations are designed to provide agents with immediate feedback concerning their response to a variety of emergency response scenarios.
Agents assigned to offices in the field have the opportunity to acquire advanced training in the area of criminal investigations and are also encouraged to attend training sessions sponsored by other law enforcement agencies.
All Secret Service agents participate in a wide variety of management and individual development courses. Ethics, Diversity, Interpersonal Awareness, Practical Leadership and Introduction to Supervision are among the topics currently offered to all personnel at the Secret Service.
The protective responsibilities of special agents include protecting the President, the Vice President, (or other individuals next in order of succession to the Office of the President); the President-Elect and Vice President-Elect; the immediate families of the above individuals; former presidents, their spouses for their lifetimes, except when the spouse re-marries. (In 1997, Congressional legislation became effective limiting Secret Service protection to former presidents for a period of not more than 10 years from the date the former president leaves office); children of former presidents until age 16; visiting heads of foreign states or governments and their spouses traveling with them, other distinguished foreign visitors to the United States, and official representatives of the United States performing special missions abroad; major presidential and vice presidential candidates, and their spouses within 120 days of a general presidential election; other individuals as designated per Executive Order of the President; and National Special Security Events, when designated as such by the Secretary of the Department of Homeland Security.
To learn more about the special agent position, please follow this link
. The Secret Service Uniformed Division is often compared to a specialized police force. Uniformed Division officers provide protection for the White House Complex, the Main Treasury Building and Annex and other protected facilities; the official residence of the Vice President; and foreign diplomatic missions in the Washington, D.C. metropolitan area. Uniformed Division officers carry out their protective responsibilities through special support units (including Countersniper, Canine Explosive Detection Team, Emergency Response Team, Crime Scene Search Technicians, Special Operations Section, and Magnetometers), a network of fixed security posts and foot, bicycle, vehicular and motorcycle patrols.
To learn more about the Uniformed Division officer position, please follow this link.
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Upcoming Events
2020 Virtual Chesapeake Watershed Forum
Oct 29, 2020 12:00:00 AM
2020 Virtual Chesapeake Watershed Forum Through our theme, Climate Resiliency in a Changing Chesapeake Watershed, we share our responses to the cha
Macabre Language of Plants (OH)
Oct 31, 2020 01:00:00 PM
Macabre Language of Plants We will take a stroll through the cemetery gates and learn about the correlation between plants and death. Whether it's
Gift of Light Columbus (OH)
Nov 07, 2020 12:00:00 AM
Gift of Light Columbus will be held 7 & 8 November at the Ohio Expo Center, Rhodes Building, 717 17th Avenue Columbus, OH. Saturday 10-7 and Sunday 10


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Monday through Friday
8:00 a.m.-6:00 p.m.
1703 North Beauregard St.
Alexandria, VA 22311-1714
Complete Customer Service Details
Steven Anderson
When I started teaching, I had no desire to take on any leadership roles in my school; I didn't think I could. Yet in my nine years as a classroom teacher and technology integration specialist, I've been a team leader, grade-level chair, school improvement team chair, and district technology team chair.
So if leadership wasn't my intention, how did I get here?
The road to leadership began after my initial teaching experience almost prompted me to walk out the door.
Challenges Call Forth Leaders
Straight out of school, I started teaching in a classroom of students who had essentially been kicked out of their school and fallen behind several grade levels. The program was called the Gateway Accelerated Program (GAP). My lofty goals were to get students to take and pass our state assessments, help them enter a program that would allow them to complete two grade levels in one year, and get them back on track to graduate on time at their home school.
It was an eye-opening experience. Previously, I had student-taught in a rural area with few problems like the ones I faced in my classroom that first year. Many of these high school students were removed from their original school for perceived behavior issues.
The students in the GAP program were good kids, but they had already had four teachers that year by the time I came in. Each teacher had left after a few days or weeks, saying the kids could not be taught. These were not the kinds of kids who could sit in their desks and do seat work. They moved around, wouldn't listen, and were always off task. It felt so out of control.
They tested me right from the first day, seeing if I would stick it out. I was ready to walk away from teaching after my second day.
Finding an Encouraging Mentor
At that point, with no mentor and seemingly no one to talk to, I went to my principal. We talked for a long time about teaching, classroom management, and my classroom. Eventually, this one conversation turned into a weekly meeting. She suggested that I talk to the students. It wasn't until I sat down with them and listened to what they wanted and heard how they wanted to learn that we made progress. The principal knew that I would be tested but also knew that I could reach these kids. She wanted me to succeed and gave me the means to do so. She became my unofficial mentor.
During the next four years I worked with her, I learned what it meant to be a leader. These weren't specific lessons, but I gained insight from observing the way she led her staff, handled situations, and listened. She was firm when she needed to be, but her door was always open and she would always talk about whatever was on your mind, even if it was to criticize a decision she made.
But what really helped me develop as a leader were the opportunities she gave me to lead.
Overcoming Leadership Fears
At first, I was wary—didn't you have to be a veteran teacher and have lots of experience to become a leader? I had never really had a leadership role and wasn't sure of myself. Would I know what to do? Honestly, I wanted to shut the door to my classroom and do my own thing—fly under the radar and go unnoticed.
That was the "easy way out," my principal told me.
Instead, she saw something in me and believed that I could do it. With her guidance, I was convinced that I could take on leadership roles a little bit at a time.
With my administrator's encouragement, I became a team leader of the teachers with whom I taught and eventually the 8th grade-level chair, all in the first few years of teaching. Later, I joined the School Improvement Team and became chair to help guide the direction our school would take over the next several years, all with the encouragement of my administrator.
Shared Leadership Leads to Student Success
I know my experience with distributed leadership is not the norm. Instead of taking the time to develop teacher leaders, many administrators take those roles away from teachers for whatever reason—fear, the need for control, or just their personal leadership style.
However, the difference between me and so many other educators out there is simple. I had the chance to work with leaders who took the time to identify the potential in their staff and foster their leadership development. I was not the only teacher in my school whose leadership skills they nurtured—many others were encouraged as well.
Schools need more than one leader. There has to be a team of people willing to guide the school in a way that brings out all of its potential. Through distributed leadership, our principal was able to create an environment and a culture where we really did what was best for our students. And if we didn't think we were on that path, we could say so and change directions.
And if it isn't about the students, then what are we doing?
Steven Anderson is a 2011 ASCD Annual Conference Scholar and district instructional technologist for Winston-Salem/Forsyth County Schools in North Carolina.
ASCD Express, Vol. 6, No. 10. Copyright 2011 by ASCD. All rights reserved. Visit www.ascd.org/ascdexpress.
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The HD 203 are a pair of closed, dynamic hi-fi stereo headphones that are particularly ideal for working at the mixing desk with powerful modern music. Providing good insulation against ambient noise, a vivid, crisp bass response is also experienced.
Rugged and lightweight, these headphones deliver a comfortable and secure fit and can be used for both mobile sources and home (mini) hi-fi systems.


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Success in value-based care requires unified tech approach
Although providers who are not yet involved in value-based contracts are seeking out payers that are experimenting with new payment models, merely entering risk-based arrangements are not sufficient for healthcare organizations to keep pace with the dramatic transformation the industry is about to go through.
That's the contention of Jon Souder, director of health industries advisory at PwC.
"Looking at different payment models and continuing to operate in a business-to-business environment will not be enough. And the folks who don't adapt from that will be the losers in the new health economy," said Souder. "It's much more than the evolutionary change that we've historically seen."
Speaking at Health Data Management's value-based care conference in Dallas on Wednesday, Souder warned that the healthcare is headed for a "seismic change" as the industry transitions from traditional fee-for service that rewards the quantity of services to one that rewards the quality of outcomes.
According to Souder, true value in this new healthcare business environment is created only when partnerships extend beyond traditional health players.
"What if you could get, in any given community, retailers, telecoms, doctors and grocery stores all to work together?" he asked.
Shannon Smith, director at PwC, added that healthcare traditionally has operated as a "business-to-business system of silos connected by contracts." However, she said the "demand for value is really permeating every aspect of the industry, and it's bringing about a more innovative and collaborative ecosystem, centered around serving the consumer."
The rise of consumerism, as well as digitization and technological advances coupled with decentralization, are the main forces shaping the new health ecosystem, according to Souder.
"Some impacts will grow the size of the pie, and others will shrink it," he said. "We're going to see a lot of impacts that are going to take some money out of this person's pocket and put it in someone else's pocket."
Souder sees this dramatic change occurring across all healthcare sectors between 2016 and 2025. As reimbursement increasingly focuses on value, health systems will pursue lower-cost settings more aggressively than before, while employing innovative approaches to distributing care.
When it comes to technology, he believes remote monitoring, telemedicine and mobile health will serve as "low-velocity growth producers" and "inflators" for the new healthcare economy.
According to a PwC report, in 2016 millions of American consumers will have their first video consults, be prescribed their first health apps and use their smartphones as diagnostic tools for the first time. Thanks to mobile healthcare technology and shifts in financial incentives, care will begin to move into the palms of consumers' hands, providing care anywhere and anytime, argues the firm.
Further, as the health system moves away from fee-for-service reimbursement, clinicians are leveraging virtual medicine to support population health initiatives and expand telehealth services in such areas as behavioral health. PwC says employers are embracing connected tools to engage employees in wellness programs and chronic disease management, while health plans are using the same to reduce spending."
In addition, Souder concluded that other technologies such as machine learning, artificial intelligence, and 3D printing will emerge as platforms for change and efficiency.