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Dale Brown took a deep breath before launching into a discussion of the state of regulation. Who can blame him? Appearing in our annual Broker-Dealer Career Guide is old hat for Brown, president and CEO of the Financial Services Institute, and it is an election year, so at this point it's a topic he can repeat in his sleep. Still, what he has to say is of critical importance to our readers and the viability of their business, and he was more than happy to detail the advocacy organization's efforts on behalf of its members.
"I want to emphasize that we are not a partisan organization," Brown diplomatically began. "It doesn't matter if a Democrat or Republican won the election; quite frankly, we'd be having the same conversation if Romney won."
But Romney didn't win, and Brown continued, "With that said, as an organization, we have to be politically astute enough to recognize the current political realities and plan accordingly."
Like many political observers, he called the election a vote for the status quo; a vote to keep a Democrat as president and to increase their hold of the Senate, but at the same time to ensure a divided government with Republicans retaining control of the House.
"This means elected leaders certainly have some challenges, gridlock being among the most obvious," Brown added. "For broker-dealers and advisors, it means there won't be a lot of relief from the horrendous regulatory environment, at least not in the near term."
As for where FSI will focus its efforts in 2013, not much will change from 2012, according to Brown. The organization will continue to engage politicians on relevant legislation affecting financial services firms. Specifically:
– Worker classification: "We're concerned about the ability to maintain the independent contractor status, and have been for some time. There's a possibility it might get swept up as part of a 'grand bargain' having to do with some other unrelated piece of legislation."
– Definition of fiduciary: "We were able to secure a short-term victory when the Department of Labor withdrew its proposed fiduciary rule. But we anticipate the re-proposal of the definition of fiduciary sometime in 2013.
– Dodd-Frank: "There are several aspects of the Dodd-Frank Wall Street Reform and Consumer Protection Act that we're watching closely. We're also keeping an eye on a new uniform fiduciary standard from the SEC, and there's still plenty to be done with rule harmonization, over and above the SRO issue. But we think a lot of this could be a net positive.
"Ultimately, we will continue to ensure our members have a seat at the table on regulatory matters that affect them," he stated.
Brown also addressed FSI's "five-year plan," currently at its midpoint.
"We undertook [the plan] to ensure we are the most effective organization we can be in representing the views of our members in Washington," he said. "We will continue to execute on that plan, but make tweaks and adjustments as necessary."
He noted the organization's 100 member firms and 35,000 financial advisor members, a membership trend he feels can be sustained.
"We've seen growth in our revenue, which allows us to invest in our staff and other resources to increase our breadth and depth."
As for the biggest industry news of the past few months, the impending departure of SEC Chairman Mary Schapiro, Brown was optimistic about her proposed replacement.
"We have been privileged to have a constructive relationship with Elisse Walter in the past," he said. "She has a good, strong understanding of the issues and an understanding of advisors' role in the industry and their clients' lives. We get more than a fair hearing with her."
Brown pointed to two challenges he believes the next SEC chairman will have to face. The first is that "the SEC has systemic problems that make it less than effective and will need to be addressed." The second, somewhat related challenge is the fact that it only has four commissioners, and they are divided along partisan lines.
"It makes it extremely tough to get the necessary three-vote majority to move things along. Part of her charge is to bring about that consensus."
FSI recently announced three new directors to its board, news that's no doubt welcome relief for some, as it was accompanied by a corresponding announcement of a "strengthened focus" on the small and mid-size broker-dealer space. For a sector of the industry under regulatory and financial fire, with some questioning the ability of smaller broker-dealers to survive, the attention couldn't come soon enough.
While FSI was quick to note "it continues to represent all independent financial services firms and independent financial advisors in Washington, D.C., and the states," four of its 16 directors now come from small and mid-size firms and another four are independent financial advisors.
The three new members of the FSI Board of Directors are:
- David Stringer, President, Prospera Financial Services
- Stephen Chipman, President and CEO, Foothill Securities
- Dick Lampen, President and CEO, Ladenburg Thalmann Financial Services
"We want our board to reflect the diversity of our membership," Brown said. "Over its nine-year history, we've had a board of leaders; some that are widely known throughout the industry, and others that are known by what they do with their firms."
Because of its size, the small independent broker-dealer industry was disproportionately affected by recent regulatory actions in the wake of scandal, most notably involving the sale of products from Medical Capital and Provident Royalty, which proved unsuitable for many investors and were the subject of SEC enforcement actions, fines and class action lawsuits beginning in 2009. This, combined with increased costs associated with compliance and ongoing fee compression, has caused a number of smaller firms to close their doors.
In addition to the new directors, FSI also elected Larry Roth, CEO of Advisor Group, as the new chairman of the board. Mike Mungenast, CEO and president of ProEquities, was elected vice chairman and will serve a one-year term. He'll then be in line to become chairman in 2014.
The rest of the board for 2013 reads like a who's-who of the independent broker-dealer space: Joseph Russo, Advantage Financial Group (financial advisor and immediate past chairman); Tim Murphy, Investors Capital (finance chairman); Valerie Brown, Cetera (PAC chairman); Bill Dwyer, LPL Financial; Adam Antoniades, First Allied; Rick Carlson, Carlson Advisors; Dean Harman, Harman Wealth Management; Jim Herrington, Financial Services Network and Strategic Wealth Advisor Group; Jim Livingston, National Planning Holdings; John Moloney, Moloney Securities Asset Management; and Clive Slovin, The Strategic Financial Alliance.


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Cute as a button Erica returns this week in an all-new film for Hegre.com…
So let's set the ball rolling and get this game started as Erica is in the mood to play and she wants you to watch!
The camera leaves no part of Erica's gorgeous young body alone, slowly panning up and down her perfect curves. A pretty nude girl and a soccer ball – that's got to be a winning combination!
With Erica playing for your team you're definitely on to a winner!
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subset: commoncrawl


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Study: Health improvements in U.S. slow as costs rise
The $2.7 trillion U.S. health care system lags behind other nations in improving its citizens' health even as spending has doubled, increasing faster than any other industry over the past decade, researchers said.
The rise in costs have been driven primarily by the price of services, drugs and devices rather than higher demand from an aging population, according to a report today on U.S. spending trends in the Journal of the American Medical Association. The analysis also found that two-thirds of spending is for people younger than 65 with chronic illness, though most of the focus on cutting costs has been centered on the elderly.
Health care expenditures have doubled since 1980, accounting for 18 percent of U.S. gross domestic product and leading to financial success for drugmakers, device companies, hospitals, insurers and other providers, the authors said. Yet patients haven't seen the same gains.
"Everyone whether a patient or a policymaker or a health care executive needs to ask the question, are we getting the best value for the money?" said Hamilton Moses, an author of the study and founder of consulting firm Alerion Advisers LLC in North Garden, Va. "Are we getting the returns and results commensurate for spending 18 percent of GDP? No, we are not. We are falling short in mortality, we are trailing in the rate of life extension and that change began in the 1980s."
In the U.S. life expectancy is 79 years compared with 81 years in the U.K. and Canada and 82 years in Spain and Italy, according to the World Bank.
Improvements in the U.S. mortality rate started to lag behind those of its peer countries in the 1980s for men and 1990s for women. The gap is likely due to a number of reasons, including rising obesity, lack of insurance coverage, poorly coordinated care and preference for newer technology that can carry higher risks, according to the report.
The report dispelled a number of myths about spending in the U.S. health care system, including the belief that expenditures are growing out of control and that the elderly are the main reason for that rise, said Moses, a former chief operating officer of Johns Hopkins Hospital in Baltimore.
"There were a number of misconceptions about the cost outcomes and tensions," he said. "The discussion in this country needs to be informed by the best available data."
The researchers found that spending has slowed as a percentage of gross domestic product during the past decade and that percentage would have leveled off had it not been for an slowdown in total GDP from the recession, said Moses.
The analysis was conducted by researchers from Johns Hopkins University, The Boston Consulting Group, Alerion and the University of Rochester. It drew from publicly available data from the U.S. Department of Labor and U.S. Department of Health and Human Services.
Over the 31 years of data analyzed, researchers found the government is picking up a bigger share of the cost with 42 percent of spending by state and federal health programs in 2011 compared with 31 percent in 1980. While many people are paying more than ever for health care because of higher costs, the percent of individual expenditure has declined with personal out-of-pocket spending on insurance premiums and co-payments dropping to 11 percent from 23 percent in 1980.
"As a percentage, out-of-pocket spending by individuals has fallen consistently since 1980," Moses said. "That isn't to say individual spending hasn't increased, it has because of inflation."
The price of professional services, drugs, devices and administrative costs accounted for 91 percent of cost increases since 2000, the report found. Illnesses costing the country the most are heart disease followed by trauma injuries, cancer and mental disorders.
"The United States pays a penalty for its extreme fragmentation, financial incentives that favor procedures over comprehensive longitudinal care, and absence of organizational strategy at the individual system level," wrote the authors.


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A recent story, that's quickly becoming a classic, is the origin and design of the Target pill bottle and the surrounding ClearRX system. It's an inspiring and instructive story about the power of design to impact business and to change people's lives. In advance of her keynote at Adaptive Path's User Experience Week, Brandon Schauer, Design Strategist at Adaptive Path, talked to designer Deborah Adler, designer of the ClearRX pill bottle, about her experience.
Brandon Schauer [BS]: Your session at UX Week it's titled "ClearRX from Masters Thesis to Medicine Cabinet." Can you give us a quick summary of what ClearRX really is?
Deborah Adler [DA]: Sure, ClearRX is a packing system for people who use prescription medicine. It makes it easier for people to understand how to take their medicine.
BS: But Target didn't ask you to design this?
DA: They did not. Actually, my project began as a student project. I was getting my Masters at the School of Visual Arts in Manhattan, and the program is called Designer as Author; you have to come up with a product and effectively and eventually bring it to market. At the time, I was coming up with my thesis and my grandmother accidentally took my grandfather's medicine; they were both prescribed the same drug, but just different dosage strengths. When I looked in their medicine cabinet, I wasn't at all surprised by their befuddlement because it turned out that their package was practically identical. So that's when I decided, "Hey, maybe I'll redesign the prescription bottle for my thesis." And that's what I did, and after I did that I brought it to Target.
"..my teachers sort of shrugged their shoulders and said, "Why would you want to design medicine bottles for your thesis when there's so many other interesting things you can do?"
BS: I know you took a look at the broader experience occurring out in the world with the current pill bottle system after your grandparent's accident. Can you tell me a little bit about that?
DA: When my grandparents had the accident, I wanted to make sure that they were not alone, so I started to research the topic to make sure that it was a valid project. I quickly learned that they were not alone and, in fact, sixty percent of Americans mistake their medication. Compliance is a big issue in this industry, and it's actually an area that had been untouched. A lot of attention goes to medication errors that happen in hospitals, but not necessarily in the home environment. I wanted to tap into that and see if I could make a contribution in that area.
BS: Can you tell me a little bit more about the your approach to tackling this problem?
DA: I started to research the topic to find other examples of people that had made mistakes; for example, one woman chewed her medication and misread the label that said, "Do not chew or crush. Swallow whole." She died because the medication went into her blood stream too quickly. I started with a lot of research on what the problems with the existing product were, and then from that point I addressed all of the issues and applied that to my packaging.
BS: How does the new ClearRX system start to address some of those issues you found?
DA: I feel that the new ClearRX system is just a lot easier for Target guests to understand than what previously existed. Everything from the layout of the label, which is much more intuitive and based on information architecture, to the color coding system which applies a certain color to a certain person, to the flat surface of the bottle. We made these decisions to deliver a better experience for the ClearRX user.
BS: Why do you think that this was a really appropriate problem for a designer, like yourself, to take on?
DA: It was, for me, a perfect project because it was so riddled with confusion, and it was an opportunity to really bring a lot of clarity to this arena, which is what I like to do as a designer. Some designers don't find it interesting. In fact, when I first started with this thesis project a lot of my teachers sort of shrugged their shoulders and said, "Why would you want to design medicine bottles for your thesis when there's so many other interesting things you can do?"
BS: Something I've found really inspirational about the ClearRX work is that you didn't just change the pill bottle's packaging; you worked with Target to make it into a full system. For example, Target changed how it trained pharmacists. Target changed their IT systems that drove the pharmacy, their marketing, and many other changes that surrounded the new pill packaging. Why do you think Target was willing to take on this dramatic, systemic change when you presented them with this idea of a better pill bottle, a better packaging?
DA: That's a very good point because it was an endless collaborative effort, and it included Target Technology Services to make sure that the computer software was — we had to design a new label — working properly. Plus, the pharmacy team, marketing team, operations team — because, really, the most important people were the people on the front line, the actual pharmacists were my first client. I had to make sure that they were happy, because if they weren't then it would trickle down to the guest. It was a huge collaboration, and I think Target knew what they were taking on when they decided to go forward with this. I think that they basically did it because they're committed to their customers, and they always go the extra distance to create customer loyalty, plus the fact that they're committed to excellent design; it's the core essence of their brand.
BS: It's interesting to look at the impact that the design has had: there's been an increase in pharmacy sales at Target, but also there's been an impact on a societal level. The U.S. Surgeon General has even thanked you and Target for improving the health lives of Americans. How has this experience with Target and the ClearRX extended into the work you do today? What have you learned from it?
DA: ClearRX has made an impact in the medical community as well as the design community and in popular culture, so it's been a great experience, and I learned a few things. I'm currently working with a company called Medline, and I just finished developing a packaging system for their Advanced Wound Care Nurses. The packaging makes it easier for nurses to apply these dressings onto their patients in hospitals, because there's a lot of confusion in that area as well. So, it's opened up the medical world to me. My experience with Target has taught me how to work with big teams, to keep my eye on the big picture, and to try and make something happen — which is priceless. I got to work with over 200 Target team members, very quickly and effectively. I think we did the whole thing in about eight months from start to finish, which is a huge undertaking, especially in an industry that's very slow, the pharmacy industry. I learned how to take on big projects like this.
As a designer, I like to think in systems. I work with Milton Glaser, and we work on projects ranging from identity systems to posters to environments. We like to think about things not just as individual components, but also as a larger system.
BS: Thank you, Deborah. This is an excellent preview, I think, of what people will hear from you at UX Week.
NOTE: Deborah Adler will be keynoting the first day of Adaptive Path's UX Week in Washington DC, August 13-16.


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Housing rehab specialist Joseph Cataldo said he is not the one who reported Mayor Dean J. Mazzarella to the State Ethics Commission.
He also denied he lied to the commission, which fined the mayor $4,000 last week for abuse of power in obtaining a $25,000 housing rehab grant for a lifelong friend.
Mr. Cataldo said yesterday the mayor asked him in 2007 to see that his friend's house got the grant money even though his friend lacked a clear title to the property. Under city rules, the Community Development Block Grant was not to be used on property that the city could not place a lien on — an impossibility in the absence of a title.
Furthermore, Mr. Cataldo said, the mayor later cut his hours in the hopes he would resign and would not be around as a witness when, in late 2010, the mayor was offered a gift of the friend's home, at 72 Carter St., by the heirs of the mayor's friend, World War II veteran Mario A. Cavaioli, who died earlier that year.
Mr. Cataldo made his comments yesterday in response to "repeated attacks" on him by the mayor in the news media. The mayor last week accused Mr. Cataldo of "fabricating" the allegations to the Ethics Commission, which investigated the matter for a year. The mayor agreed to the $4,000 fine and admitted to three counts of conflict of interest to get a rehab grant for Mr. Cavaioli, but said he only did so because fighting the commission's allegations would have been too expensive and time-consuming.
After several days of not commenting on the mayor's accusations, Mr. Cataldo said yesterday he asked for and received permission from the mayor's office to talk about the matter. He said the mayor is the one "fabricating" stories — not him.
"It was very hard for me, my family, and friends to read the lies, slander and character assassinations in the media," Mr. Cataldo said. "I am frustrated over all the false statements thrown at me regarding 72 Carter St. and as the CDBG program housing specialist. The mayor admits his guilt, then tries to turn it around and place blame on me. Facts are facts, truth is truth, and guilty is guilty."
He said Mr. Mazzarella broke the rules by asking him to push the rehab of Mr. Cavaioli's home to the top of the list for CDBG money even after Mr. Cataldo told the mayor the home lacked a clear title. This meant he couldn't place a lien on the property to protect the city in case it had to recoup the money.
The Ethics Commission said Mr. Mazzarella used his "uniquely powerful position" and the significant authority he held over all city employees to obtain preferential treatment to obtain the grant to rehab Mr. Cavaioli's home. The law requires that public officials must make a public disclosure before acting in matters affecting their friends.
In the agreement signed by the mayor, the commission said Mr. Mazzarella admitted he had a close relationship with Mr. Cavaioli, a close neighbor. The mayor said Mr. Cavaioli would tell him, "I should deed the property over to you," and, "You might own this house someday."
Mr. Cavaioli did not have a will, and after his death the interest in the house went to his three nieces — two of whom transferred their interest in the house to Mr. Mazzarella at no cost. The mayor offered the third niece $2,000 for her interest, but she refused, the commission said. The mayor has since said he no longer is interested in owning the house.
Mr. Mazzarella said last week Mr. Cataldo called the Ethics Commission and fabricated the whole story, 33 months after 72 Carter St. was rehabbed, in retaliation over the mayor cutting his hours down to 19 per week after more than 30 years with the city. Additionally, the mayor said, the commission did not do its job and did not interview key witnesses.
"I was cutting his hours," Mr. Mazzarella said. "He wrote a letter to the Ethics Commission two weeks before the hearing about cutting his hours because there was not enough work for him. Then, he comes up with this story that he didn't know Mario was a veteran and he never inspected the property." Veterans and those in emergency situations like Mr. Cavaioli's are pushed to the top of the list for housing rehab money under the block grant program.
"The mayor said I sent a letter to the Ethics Commission two weeks before my hours were cut," Mr. Cataldo said yesterday. "I did not file the complaint and this is a complete fabrication on (the mayor's) part."
He said he believes the mayor cut his hours so he would resign before the mayor inherited 72 Carter St.
The problem, Mr. Cataldo said, was not with rehabbing Mr. Cavaoli's home. He said the man was well deserving of the grant.
"The program is designed to help people in his situation, that's not where the problem was," Mr. Cataldo said. "The problem was, there was no clear title to the property. I personally know of no other way to attach a lien to a property when there is no deed available. I did in fact bring this to the mayor's attention. I know he now denies this conversation; I have no proof of this conversation. It was a conversation between the two of us. If I knew then what I know now, it would have been documented."
The mayor instructed him, he said, to go ahead with the rehab and told him he would later supply him with the proper paperwork.
"I never received the proper paperwork," Mr. Cataldo said. "Instead, I gave a contract to the mayor which he brought to Mr. Cavaioli to sign and returned it to me with said contract stating that repayment would be made to the CDBG program upon title transfer, refinancing, etc. Mr. Cavaioli was moved up on the wait list — applicants deemed emergencies are — but again, there was no clear title.
"I never met Mr. Cavaioli and I was told by the mayor that he was a recluse, a very private and proud man and it took some convincing, but Mr. Cavaioli finally agreed to accept help," Mr. Cataldo said. "Seventy-two Carter St. is the only home in the history of my employment that has been rehabbed where I never met the recipient, and the only home that was rehabbed without a clear title.
"It has been said that I said I never inspected the home. I'd be very curious as to how I would rehab a home, write up specs and everything else that goes along with a job if I had never inspected it. I did in fact inspect it, the mayor met me there to let me in, and he in fact had the key to let me in."
After the commission announced the agreement with the mayor last week, Mr. Mazzarella said a preliminary audit of the CDBG program showed it is in poor shape because of Mr. Cataldo.
Mr. Mazzarella said the independent audit showed the city was at risk because of inaccurate reporting concerning loan balances, the collectability of loans, and the city's secured interest in receivables. A full audit is needed, Mr. Mazzarella said.
Mr. Cataldo said he was not aware of the audit results until Friday, and saw the mention of them as a way for the mayor to try to change the subject. "By the second day of (news) articles it's not even about 72 Carter St anymore. It's about audit results?" he said.


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Sudbury heights avenue is in Ealing in the county of Greater London which resides in the London region of England. The postcode is within the North Greenford ward, which is in the constituency of Ealing North. This page is a collection of useful information for Sudbury heights avenue, Ealing, and the neighbourhood in which it resides.
Regarding the Index of Multiple Deprivation, UB6 0NF has a score of 21873 out of 32844.
We found 19 house sales in UB6 0NF. The most recent transaction was number 113 that sold for £450,000 on 22 Jul 2016. The most expensive house purchase so far has been number 113 that sold for £450,000 on 22 Jul 2016 and the lowest has been number 125 that sold for £69,000 on 21 Nov 1995. If you are interested in more detailed information then keep reading as we give insights about all of them in this page later on.
The most common ethnicity is Indian. Residents have the following ethnicities: 124 White, 0 Gypsy, 109 Indian, 2 Bangladeshi, 46 Other asian, 43 Black, 13 Mixed.
According to the 2011 Census, the UK population claims itself as 87% white. The second largest group are asian 6% and black 3%.
|White: 124
|Gypsy: 0
|Indian: 109
|Pakistani: 19
|Bangladeshi: 2
|Chinese: 13
|Other Asian: 46
|Black: 43
|Mixed: 13
|Other: 19
The national average of social housing is over 18%.
|Owned outright: 41
|Mortgage: 44
|Shared Ownership: 0
|Council: 3
|Social other: 1
|Private rented: 32
|Private employer: 0
|Private relative: 1
|Private other: 0
|Rent free: 0
In 2011 this place had 4 detached houses, 23 semi-detached houses, 87 terraced houses, 2 flats, 7 converted house shares, 0 flats in commercial buildings, 0 caravans.
The most common house type here is Terraced house.
There are no flats, apartments nor maisonettes on Sudbury heights avenue.
Please note that the figures may include adjacent streets
|Detached: 4
|Semi-detached : 23
|Terraced: 87
|Flat: 2
|Converted house share: 7
|Flat in commercial: 0
|Caravan: 0
Please bear in mind that an individual may hold one or more passports.
|No passport: 27
|Ireland: 4
|Other EU: 61
|Other Non EU: 0
|Africa: 0
|Middle East & Asia: 42
|North America & Caribbean: 1
|Central America: 1
|South America: 0
|Antarctica & Oceania: 0
|British Overseas: 0
The UK is mainly a Christian country, with 59% of residents. 25% of the population claim to have no religion. 4% of the population identify themselves as Muslim, 1.3% Hindu, 0.7% Sikh, 0.5% Jewish, 0.4% Buddhist, and 0.4% as other religions, while the remaining 7.2% did not state their religious views.
|Christian: 168
|Buddhist: 3
|Hindu: 108
|Jewish: 0
|Muslim: 52
|Sikh: 2
|Other: 19
|No religion: 14
|Not stated: 22
Proportion of the population experiencing deprivation relating to low income
Proportion of the working-age population in an area involuntarily excluded from the labour market
Lack of attainment skills in local population
Risk of premature death and the impairment of quality of life
Risk of personal victimisation
Measures the quality of the local environment
Proportion of all children aged 0 to 15 living in income deprived families
Proportion of all those aged 60 or over who experience income deprivation.
Attainment of qualifications among children
Lack of qualifications in the resident working-age adult population
Physical proximity of local services
Accessability of housing due to affordability
Quality of housing
E.g. Air quality, road accidents
|No qualification: 46
|GCSES 1 to 4 any grades: 71
|NVQ Level 1: 21
|One A level: 93
|NVQ Level 2: 39
|Apprenticeship: 13
|Two plus A level: 69
|NVQ Level 3: 30
|Degree: 99
|NVQ Level 4-5: 14
|Professional qualification: 35
|Other vocational qualification: 28
The median age of this location's residents is 34.0 while the mean age is 37.64433. The most frequent age group is Thirty to fourty-four. These conclusions are made from the following data: 0-4 years: 20, 5-7 years: 9, 8-9 years: 11, 10-14 years: 18, 16-17 years: 11, 18-19 years: 6, 20-24 years: 28, 25-29 years: 43, 25-29 years: 43, 30-44 years: 93, 45-59 years: 72, 60-64 years: 22, 65-74 years: 23, 75-84 years: 17, 85-89 years: 7.
This location in Greenford is categorised as Urban major conurbation.
Some people have different preferences regarding the altitude of areas, this postcode's altitude is 59 metres above sea level. Areas at higher altitudes could be more favourable due to the expected rise of sea levels in the not so distant future.
170 had very good health and 3 had very bad in this area.
This data lists the total number of room each house have.
|One: 0
|Two: 0
|Three: 8
|Four: 10
|Five: 45
|Six: 41
|Seven: 8
|Eight: 6
|Nine: 4
According to the latest census which took place in 2011, this postcode had a population of 115 people that includes overnight visitors as well as permanent residents. Furthermore, there were 38 households.
This data lists the total number of people normally resident within each household.
|One: 18
|Two: 27
|Three: 24
|Four: 31
|Five: 15
|Six: 6
|Eight: 0
Across the UK, the gender split is equal.
|Total: 388
|Males: 203
|Females: 185
Health is usually influenced by age and the affluence of a neighbourhood, since deprived areas often showing poorer standards of health.
|Total: 388
|Very good: 170
|Good: 149
|Fair: 50
|Bad: 16
|Very bad: 3
Many postcodes have been retired over the years but UB6 0NF is not one of them and it was first introduced on 01 Jan 1980.
Geographically this area resides in -0.324361 longitude and 51.553409 latitude.
If you are interested in getting to know more about the location codes of this area then it might also be valuable that it resides 516271 eastings and 185166 northings.
Some might find it useful that this area's grid reference number is TQ162851. The grid reference number uses cartesian coordinates.
The district code of UB6 0NF is E09000009 and its county code is E11000009.
Its MSOA code is E02000239, its LSOA code is E01001313, its parish code is E43000199 and its constituency code is E14000675. These codes can come handy when you want to find out more about this location as not all services work with postcode.
Furthermore this area is in a national park.
We found 3 crimes in UB6 0NF in December 2018. Our records show that there were 0 antisocial behaviours, 1 violence and anti-social behaviours, 1 burglaries, 0 criminal damage and arsons, 0 drugs and 1 vehicle crimes. For more detailed analysis please continue reading as we have data for each crime type and all the nearby streets, close to UB6 0NF.
|Crime type
|Last outcome
|Vehicle crime
|Under investigation
|Crime type
|Last outcome
|Under investigation
|Crime type
|Last outcome
|Violence and sexual offences
|Under investigation
If you are interested having a closer look at this postcode then check out the link below that links directly to google maps with the postcode already set. Once clicked it will open in a new tab.
|Greater London
|North Greenford
|Ealing North
|"Ealing, unparished area"
|Terminated Postcode
|County Code
|National Park
|Built Up Area
|Greater London
|Built Up Subdivision
|Lower Layer Super Output Area
|Ealing 002D
|Grid Ref
|District Code
|London Zone
|LSOA Code
|MSOA Code
|Middle Layer Super Output Area
|Ealing 002
|Parish Code
|Census Output Area
|Constituency Code


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To schedule an appointment with Daniel Katz please call 630-898-3727.
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American Board of Surgery (Vascular Surgery)
As an independent physician practitioner, this physician is not an agent or employee of Rush Copley Medical Center, Inc. or any of its affiliated entities. This physician has chosen Rush Copley Medical Center, Inc. or its affiliated facilities as a place to treat and care for his or her patients.
Accepted insurance plans are subject to change without notice. Please contact your insurance provider and the doctor's office to verify your coverage.
© Copyright 2020 Rush Copley Medical Center • 2000 Ogden Avenue; Aurora, IL 60504
Main: 630-978-6200 • Physician Referral & Information: 630-978-6700 or 866-4COPLEY (866-426-7539)


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Starts with a V
A few weeks ago I spent a good deal of time talking about Verilog — a description language used to design FPGA circuits. However, several people took me to task for not making much mention of the other major language in use for this purpose: VHDL. VHDL (or VHSIC Hardware Description Language — VHSIC stands for Very High Speed Integrated Circuit) is a language that resembles Ada. That shouldn't be surprising, since both languages have a background with the United States Department of Defense.
Like any language, VHDL has its proponents and its detractors. My guess is if you like C, you might prefer Verilog and if you favor Ada or other similar languages, you might find VHDL to your liking. The languages are functionally similar. That is, you describe concurrent behavior and can only use certain language constructs if you expect to infer hardware designs. Both languages support things that are only for simulation and won't translate to an FPGA or other hardware implementation.
VHDL uses three different things to describe a circuit: an entity (think of this as a header file), an architecture (the implementation), and a configuration (bringing together different architectures into a complete system). Here's a simple 8 bit counter:
-- simple up counter library ieee; use ieee.std_logic_1164.all; use ieee.std_logic_unsigned.all; entity counter is port ( cntout :out std_logic_vector (7 downto 0); enable :in std_logic; -- Enable count clk :in std_logic; -- Clock reset :in std_logic -- Reset ); end entity; architecture behave of counter is signal count :std_logic_vector (7 downto 0); begin process (clk, reset) begin if (reset = '1') then count <= (others=>'0'); elsif (rising_edge(clk)) then if (enable = '1') then count <= count + 1; end if; end if; end process; cntout <= count; end architecture;
The tools from the major vendors will all take VHDL as well as Verilog. The simulator I used, Icarus, won't handle VHDL but a similar open source package, GHDL, will do the same job. As a side note, Icarus will translate Verilog into VHDL.
I'm not going to go into VHDL for now, but thought it would be worth mentioning it. If you want some interesting reading, as well as a nice front end for GHDL, visit freerangefactory.org. You can download their free book on VHDL (which is a pretty good read), a few other books of interest, and the software package Boot (for Linux), which is a front end that bridges your favorite editor, GHDL, and the OpenCores website. If you are using Windows or Mac OS, skip the Boot download and get GHDL from its home webpage.
You don't have to use an HDL to define an FPGA, by the way. There is a lot of interest in translating ordinary computer languages into FPGA code. While this is possible, it is a bit like running source code through a compiler. The result will work, but understanding the output may be a bit difficult. If you want to experiment, you can try a C to Verilog translator online. If you want to read more about that tool, I wrote about it way back in 2011.
I may revisit VHDL at some point in the future, especially if I get enough requests to do so. However, to be honest, I prefer using Verilog on my personal projects. Sometimes I have no choice, though, so I have done a good bit of VHDL and it certainly gets the job done.


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Show Us Your Mystery Plant
Have you spotted a plant, bug or disease you can't identify? Let us help you solve the mystery! Simply register for a free account with WalterReeves.com. You'll be able to post photos here for identification, as well as help identify things posted by others. Use the Standard or Gallery layouts to see recent submissions in each category. Please note: Copyright on all images posted here remains the property of the poster. Please do not post or repost images to which you do not own the rights.


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11/17/2020 » 11/18/2020
WVONGA Fall Meeting


text: Below you will see three polls that ask about your confidence in the Tampa Bay Rays. We will present these same polls most Tuesdays. The results will be presented in graphical form on Thursday, and will be displayed permanently in the sidebar. The goal of the Confidence Graph is to get a feeling of how Rays fans feel about the team and the franchise and track how that level of confidence changes through time.


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You may have read or heard me talk about the research that led to my P4 Practice Management Principles (see Investment Advisor's November 2011 cover story "Let It Grow"). What led me to conduct that research—and discover the P4 Principles—was the realization that half my clients were hiring good employees and turning them into great employees, while the other half were hiring great employees and making them mediocre at best.
Ironically, we were able to quickly and easily compare the historical performance of each employee because we don't do performance reviews with the employees in our client firms any more. That's because we found that once we established effective communications based on solid working relationships with our employees, we didn't have anything to talk about in the annual reviews. Instead, we simply have our owner-advisors conduct a "360 Performance Assessment" on every employee every year, which tells us everything we need to know about how each employee is doing, in a data format that can be sliced and diced in myriad ways to spot trends and gauge overall firm performance.
It's the best way we've found to communicate an advisory firm owners' expectations to their employees. We highly recommend it to help firms—and employees— quickly get a handle on what they're doing well, and what they need to work on.
Our Performance Assessments (which you can download for free on our website) rate employees from 1 to 5 in each of 9 key areas that we've determined contribute to building successful advisory practices. As you'll see, they focus more on how employees do their jobs rather than on what they do.
The Nine Areas of Assessment
- Business Focus: understanding the firm's vision and mission; setting personal objectives, goals and milestones; demonstrating prudence with company resources.
- Customer Focus: Adapting work process to meet clients' changing demands; looking for ways to exceed client expectations; ensuring that work is defect-free.
- Results Oriented: Consistently delivering outstanding results;
a) anticipating obstacles before they become a crisis
b) taking corrective action for unsatisfactory performance
- Leadership: Accepting responsibility rather than blaming others:
a) managing stressful situations;
b) motivating team members to work together.
- Communications: Providing candid feedback without offending;
a)asking for others' points of view;
b)addressing conflicts without attacking others.
- Initiative: Challenging current business practices; adopting new approaches; willing to experiment with others' ideas.
- Planning and Organization: Correctly prioritizing assignments; fairly distributing workload; doesn't waste time.
- Decision Making: Taking the proper amount of authority; evaluating options; making timely decisions.
- Interpersonal Skills: Earning of trust to represent owner's interests; earning respect of team members; building friendly relationships.
With these 360 Performance Assessments, which are shared with each employee, firm owners can communicate their expectations of what makes a great employee, motivate their employees to become great and gauge their progress toward making an optimum contribution to the success of the business.
Lastly, speaking of success, as we enter the Thanksgiving holiday I would like to share with you a poem my financial advisor, Brian Fenn of Carolina Capital Consulting, shared with me. It's about being thankful for all the success we have and all the love we share.
I hope you enjoy your holiday, and my best to you, your employees, your businesses and mostly, those you love.
What Is Real Success?
By Tim Conner
Everyone wants success, and yet they often don't know when they have it.
For most, it is the maddening chase toward a better way of life or more of something.
More fame, power, recognition, money, or material stuff.
For some, it is the understanding of a loving partner, the love of their child,
or the people that they can count on when life throws them a curve.
I am coming to believe that success is not more material wealth,
but peace, happiness, contentment, and love.
Most of all love.
Real success is not to be sought after in the outer world, but discovered in your inner world.
I am not condemning the stuff of life.
We all want the things that life offers.
But we don't need as much as we think we do.
Sooner or later you will discover that real success
is friends, strangers, and anyone who crosses our path.
It is kindness shared, support given and received, listening, giving, and caring.
These will endure while your car rusts, your toys break,
and you tire of the temporary gratifications that bring you what you think is real.
What matters is people.
What lasts is love.
What counts are true friends, and if you treasure these you can count yourself a success.


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Apple plans to announce earnings for the first fiscal quarter of 2013 on January 23, 2013 at 2pm PDT (5pm EDT). The results will be followed by the typical conference call where Apple executives will delve deeper into the results and answer questions from analysts.
The recent speculation about iPhone 5 demand will undoubtedly dominate the analyst Q&A part of the call, and we fully expect Apple's executives to report that the iPhone 5 is selling just fine. But since this is the first fiscal quarter of the year and it encompasses the 2012 holiday season, we expect nearly all of Apple's numbers to look impressive. iPad minis were undoubtedly a hot gift item in addition to the piles of iPod touches, iPhones, (full-size) iPads, and Macs that Apple typically sells during the first quarter. But even the iPad mini wasn't on sale for the full first fiscal quarter, meaning we may only get a taste for what demand is really like for the shrunken-down tablet.
Ars will be doing a liveblog of the earnings call and the fiscal results, so check back on Wednesday to watch and participate in the comments. The earnings call is scheduled to take place on January 23, 2013 at 2pm Pacific Daylight Time (see when the liveblog starts in your own timezone).View Liveblog


text: Done-for-You Webinars, Content & Lead Generation Purpose-Built for Enterprise IT Technology Vendors Attention Enterprise IT Vendors: Get Your Very Own Custom Gorilla Guide! Learn More "We created $2.2MM in sales opportunity pipeline after just TWO MegaCasts!" Leading Cloud Infrastructure Vendor Resources (0) Filter By: event partner provided convergence No Results We're sorry but there are no resources available that match your search criteria.


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People who like to listen to music or bring movies along with them when they travel will be able to put one ArtPromos.com's Promotional CD holders to good use. For advertisers who are looking for a promotional item that's out-of-the-ordinary, our custom CD cases will make a memorable impression.
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We also have a wide selection of mid-priced custom logo CD cases.These models are ideal for use as employee gifts, business incentives and holiday gift-giving. Prices include imprinting of your logo on each case. Choose from dozens of different designs and colors, including novelty designs and themes like sports. Art Promos' customized CD cases hold several to more than a dozen CD's for the convenience of users.


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text: Was generally attracted to these headphones by the wooden look and the odd buds at the end. Fifteen minutes later I was fairly shocked at the big package I got in such a small one. While these are great for portability, they are annoying when they get tangles (but that happens to all of them unless they are self retractable). All in all, great earbuds.


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Aouadi's haute couture spring 2016 runway show was unveiled on one of the many catwalks of Paris fashion week (PFW) and Fashionising.com was there to capture each look.
You can see all of the Aouadi haute couture spring 2016 runway collection by clicking on a thumbnail on the left. From there you can browse through each of the pictures from the fashion show.
Photography by Imaxtree


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Find Phlebotomy Training in Nevada
If you are looking for a way to fast track a career in the rapidly growing medical field, then you should strongly consider earning your phlebotomy certification in Laughlin NV. According to the Bureau of Labor Statistics, Careers in the medical industry are expected to grow faster than any other industry between now and the year 2020. The overall job growth average is 14%, but for the medical field it's hovering at around 30%. So, phlebotomy training is your quick ticket to a stable career.
Why is a Certificate So Important?
Many people are under the misconception that, because phlebotomy jobs are considered entry level positions in the medical field, that means there is no need for formal training. It's true that training to become a phlebotomist only takes about a year, but it's a very important year. Though the laws vary from state to state, employers do not hire untrained phlebotomists. This means that, regardless of your state's laws related to certification, you need it before you even begin to look for phlebotomy jobs.
The reason employers are such sticklers about the training is twofold: time and liability. The medical industry is very hectic and fast-paced. Employers don't have the time to engage in phlebotomy training, so they expect you to know what you're doing from the first day of employment. If you are untrained, or poorly trained, the liability falls on the employer, and they could be sued for malpractice. So, not only should you earn your certification, but you need to make sure you earn it from the right program.
What are the Qualifications?
Before you enroll in a phlebotomy course, you have to make sure that you qualify. Luckily, the qualifications to enter school to become a phlebotomist are pretty standard. You must be at least 18 years old, possess a GED or high school diploma, all of your medical records and immunizations must be current, and you must be able to pass a drug test.
What are the Best Schools for Phlebotomy Certification in Laughlin NV?
Since potential employers are rightfully very considered about proper training and liability issues, they will look at the school you attended when assessing whether or not to hire you. The school you attend will be an indicator to your potential employer of the quality of phlebotomy training you received. Here are a few characteristics that you should look for when deciding on which is the best program for you.
- Accreditation: If the phlebotomy program you are considering isn't accredited by the National Accrediting Agency for Clinical Laboratory Services (NAACLS), then it won't do you any good.
- Certification Preparation: Make sure that any school you're considering offers the curriculum and assistance you will need to pass the certification process that is required to receive your certificate. The most sought after certification is through the ASCP Board of Certification, so, upon completion of your phlebotomy course, you will need to be prepared enough to pass their exam.
- Curriculum: As well as training you in the specifics of phlebotomy, the school you choose should offer courses in anatomy, medical terminology and physiology. Knowledge in these areas is critical for any career in the medical industry.
- Clinical Component: The best way to learn the skills required of phlebotomy jobs is to practice them. So, with any program you look at, make sure that at least some of your classroom experience will be held in a lab doing hands on training.
Reccomended Phlebotomy Programs in Nevada
The programs offered below are taught by top tier, schools and come high recommended as viable schools for the majority of students.
Sorry, we could not find any matching schools
What's the Average Phlebotomist Salary?
Based on average wages reported by the American Society for Clinical Pathology, the average phlebotomist salary in 2010 ranged from $13.50 an hour in a hospital setting to $20.16 an hour for those working in a reference lab. Salary.com puts the current average phlebotomist salary at $30,438, with the highest salary at just under $37,000 a year. Considering that the certification process only takes about a year to complete, the starting salary of around $30K is pretty impressive.
If you're looking for a quick way to enter the nation's fastest growing job market, this is it. By earning your phlebotomy certification in Laughlin NV you will be setting yourself up for a career in the medical field that pays well and offers long term stability.
Reviewed by: Mohamed Prophet on Aug 20.
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Allen Iverson and wife Tawanna remain engaged in a bitter divorce and The Answer recently outlined his finances in court documents filed in Georgia, and claims he runs a deficit of close to $300K per month according to a TMZ report.
Iverson says monthly expenses cost him about $360,000 per month while he brings in income of $62,500 per month.
According to the court filings, Iverson pays more than $125,000 to assorted creditors including his jeweler, and also spends money on several mortgates, though as TMZ states, his Atlanta mansion is about to be auctioned off.
A.I. reports that he spends $10,000 a month on clothes, $10,000 on groceries, $1,000 on dry cleaning and $10,000 per month on restaurants (It's unclear how much is spent at T.G.I. Friday's) and entertainment.
Iverson, who earned about $150 million throughout his NBA career, still owns a Maybach valued at nearly $400,000.
What was wrong with the Bentleys in which he used to cruise around Philly?
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by Admin March 26, 2014
Welcome to DSM Publishing. We are Dominic & Samantha: internet marketers, bloggers, social media experts, business development mangers and we love working from home together. Originally from rainy England we relocated to Portugal in 2008 and we are living the dream lifestyle that comes with a career in internet marketing and living in a sunny climate.
Read our blog as we share our own income streams, traffic methods and how to go full time online and quit your boring job.Let your internet marketing adventure start today!Learn more →
I always get asked why I chose a career in internet marketing and the answer in a nut shell is always the same….
It gives me flexibility, the chance to be my own boss (without a huge investment), job security, have fun while working and most of all the chance to build my own future.
I love building websites, building mailing lists and interacting on social media and with internet marketing it simply ticks all the boxes.
You just have to ask yourself if any of those reasons are what you are looking for in your future career. And if there is then give internet marketing a go.
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Advisors who serve the defined contribution retirement plan market are much more likely to win business from DC clients by networking than by cold calling, according to a Franklin Templeton Investments survey released Wednesday.
Indeed, the survey's findings show that 81% of plan sponsors sought advisors through recommendations or referrals, and less than one quarter responded to an advisor solicitation. In addition, 60% of plan sponsors cited "personal fit/sales process" as their method to initially screen potential advisors–and these two criteria trumped both price and expertise.
Pricing, notably, was more likely to lose a bid for an advisor than win one, according to the Franklin Templeton survey, whose results are published in a white paper, "Insights on Closing the Sale," available on Franklin Templeton's Retirement Center website. Franklin Templeton Investments manages over $125 billion in retirement assets as of Sept. 30 for individuals, small businesses and institutions.
The paper addresses three key areas: lead generation, prospect management and finals activity.
"Business development strategies … are critical when vying for business in today's highly competitive retirement plan marketplace," said Yaqub Ahmed, senior vice president and head of Investment-Only Division-U.S. for Franklin Templeton Investments, in a statement. "In an environment where relatively few plans change record keepers in a given year, our research provides actionable insights advisors can use in building their retirement plan business."
Networking Is Essential
Clearly, the study results highlight the importance of networking. More than half of plan sponsors reviewed at least five advisors in conducting their search, and the vast majority, at 81%, sought advisors through recommendations or referrals from colleagues, peer organizations or retirement plan service providers. Less than a quarter of plan sponsors responded to an advisor solicitation.
When asked what criteria they used to initially screen potential advisors, plan sponsors cited:
- Personal fit/sales process (60%)
- Pricing (53%)
- Experience/expertise (44%)
- Prior relationship (5%)
"When it came time to select an advisor from among those considered as finalists, plan sponsors continued to most frequently cite 'personal fit/sales process' (55%) as an attribute leading to their decision," according to the study results. "However, other attributes–most notably 'pricing"–were greater factors in situations when the bid was lost than when the bid was won by the advisor. These results suggest that some components of the bid must be addressed well enough to satisfy the plan sponsor, but may not be what ultimately leads the plan sponsor to choose one advisor over another."
Rare Window
The study, conducted for Franklin Templeton by independent market research firm Chatham Partners, offers a rare window into how plan sponsors select the advisors for their retirement plans. The sponsors' plans collectively represented more than $6 billion in assets.
Specifically, Chatham interviewed plan sponsors that had recently completed a retirement plan bid process about new business prospects submitted by advisors. During these 30-minute discussions, sponsors were asked what led them to initiate a search for a new advisor, how they identified potential advisors and what factors they considered in choosing the winning proposal. They also were asked to rate both the winning and losing advisor on their management of the business development process and overall service offering.
Check out Bill Good's Cold Call Champions: The Winning Scripts from Investment Advisor's December issue at AdvisorOne
Read Fidelity Reports Highest-Ever Average 401(k) Balances at AdvisorOne.


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The majority of states are "adequately managing" their pension liabilities, Morningstar found in a report released this week. The company analyzed current data for pension plans in all 50 states to determine how able they were to meet obligations.
The two most important factors in determining the health of a pension system were the funded ratio and the unfunded actuarial accrued liability (UAAL) per capita, according to the report, "The State of State Pension Plans: A Deep Dive into Shortfalls and Surpluses." The UAAL per capita is the amount each person in the state would have to pay to make up the unfunded gap.
While states' pension health varies widely, the company found 29 states have a pension funded ratio of at least 70%, the level at which Morningstar considers a pension fiscally sound. Thirteen states have a funded ratio above 80% and seven are able to pay 90% of their obligations.
Furthermore, eight states have a UAAL per capita of under $1,000. In fact, Wisconsin has a UAAL per capita of less than $100 and has done so for the five years of data provided in the report. Morningstar noted that the UAAL per capita and the funded ratio are roughly correlated. Morningstar also found that most states have seen their funded ratio fall while their UAAL per capita rises.
Morningstar found that 21 states were seriously underfunded, with a funded ratio of less than 69% and 20 with a UAAL per capita that is over $3,000.
Morningstar noted that it's difficult to compare pensions directly because they differ in the types of benefits they offer and who is contributing to the plan. Plans may be defined benefit, defined contribution or a hybrid, and may be a single-employer or multi-employer plan. Morningstar found that multi-employer plans can inflate liabilities.
Morningstar argued that pension systems, especially multi-employer plans, need more transparency. Sometimes the plan documents don't even specify whether the state is a contributor to a plan or simply acts as a fiduciary.
The good news, Morningstar said, is that pensions' fiscal health changes slowly, and struggling plans are often identified years before they suffer substantial stress on their funding. Investors should take note of plans that have a significant unfunded liability, a funded ratio that is low or falling, high UAAL per capita, annual contributions that are lower than the required level or that increase quickly, and pension costs that make up a significant portion of government spending.
Please continue to find out the 10 Best & Worst State Pension Systems:
Funded Ratio: 92.1%
UAAL Per Capita: $415
Assets: $30.1 million
Actuarial Accrued Liability (AAL): $32.7 million
Unfunded Actuarial Accrued Liability (UAAL): $2.6 million
Funded Ratio: 95.3%
UAAL Per Capita: $311
Assets: $58 million
AAL: $60.9 million
UAAL: $2.8 million
Funded Ratio: 96.3%
UAAL Per Capita: $362
Assets: $7.5 million
AAL: $7.8 million
(Photo: AP)
2nd Best
Funded Ratio: 98.1%
UAAL Per Capita: $160
Assets: $55.1 million
AAL: $56.1 million
UAAL: $1 million
Funded Ratio: 99.8%
UAAL Per Capita: $23
Assets: $80.6 million
AAL: $80.8 million
5th Worst
New Hampshire
Funded Ratio: 57.5%
UAAL Per Capita: $3,252
Assets: $5.8 million
AAL: $10.1 million
UAAL: $4.3 million
4th Worst
Funded Ratio: 56.0%
UAAL Per Capita: $3,975
Assets: $22.5 million
AAL: $40.1 million
UAAL: $17.6 million
3rd Worst
Funded Ratio: 53.4%
UAAL Per Capita: $5,885
Assets: $24 million
AAL: $44.8 million
UAAL: $20.9 million
2nd Worst
Funded Ratio: 50.5%
UAAL Per Capita: $4,488
Assets: $19.6 million
AAL: $38.9 million
UAAL: $19.2 million
(Photo: AP)
Funded Ratio: 43.4%
UAAL Per Capita: $6,505
Assets: $63.6 million
AAL: $146.4 million
UAAL: $82.9 million
Please check out an infographic U.S. map of these 10 states.
Check out these related stories at AdvisorOne:


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If you are on one of the other teams, please do not read this post until the game is over! The information contained herein could give some things away!
Subway notes
Your characters begin in the location "Dark Tunnel," which reaches the map in the location marked "A." Reaching location "S" allows you to enter the other world available to your party. Your movements and movement speed are up to you. All of the location contents are described here. Hilite the text to read them. We recommend that you only check the contents of a location as you enter it; it is far more fun that way.
There are only two preset monster encounters. The rest are "wandering monsters." You may choose to encounter any of them anywhere at any time with any frequency. The monsters found in the subway are described at the end of this post.
Ghosts do not appear until after you've visited and interacted with the location marked "C."
The environment in Walter's world is different from what any of your characters are used to (exception: Henries, duh). In addition to the overwhelming and nauseating omnipresent thick smell of rot and decay, the air is heavy and a bit like a fear drug. Even those who are usually calm will be afraid, find it difficult to keep a straight head, be clumsier than usual, etc. This is not a "fear gas sends everyone to huddling in the corner" situation, though for characters not used to threat, it may do that. Instead, call to mind the sensation of being ill, or of not having eaten for 24 hours. Everything seems more daunting, confusing, and claustrophobic. Your reflexes may be impaired, leading to slowed reactions, or your nerves may be shot, leading to overreactions. The particular effect on your character is your call.
None of the light switches work, and aside from a lamp here or there that flickers disorientingly, most of the lights throughout the subway are off. The lack of a light source will make any combat that you engage in more difficult.
Map key:
Black rectangles indicate doors that can open. Some of them may be sticky or heavy or otherwise difficult to open, at your discretion, but they can be opened.
A red x indicates a door whose lock is jammed and it cannot be opened.
A blue square indicates a door that connects to another level of the structure, via stairs or a ladder. The ladder next to location J goes down to location K; the escalator M goes up to location N; and the escalator S goes to the next world.
The location descriptions should make it clear what you're looking at, but some of advance explanation of the map on the right ("Lynch Street Line"), since it's a bit confusing. It shows a subway platform; the two long lines of green rooms down the center of the map are two subway trains, each with 3 passenger cars, a control car, and an observation deck car. The different subway cars are separated by doors, and also have some sliding side doors or open windows that give access to the boarding platforms or to the island in between the trains. Double-lines indicate the boundaries between subway cars. Some cars are also collapsed or blocked with debris, such as at location "F," and these effective walls are indicated by single lines.
If you get confused at any point about where your characters are and what they're looking at, don't hesitate to ask!
The map is for the convenience of you, the players. Because we love you. Unless otherwise noted, your characters do not have this map.
Subway Map
Dark Tunnel
When you pass through the hole formed by Henry Townshend's "key," everything is pitch dark, dark beyond the ability of even the most enhanced eyesight to penetrate, dark beyond the ability of any fire or light to dispel. The steps of your comrades fade, as does the sensation of their presence nearby. Before you have a chance to reach out or try to pursue them, though, you realize that there is a slightly metallic taste in your mouth, followed by the realization that it stings to have your eyes open.
Followed quickly by the realization that you feel suddenly very heavy.
Followed by the realization that you can't feel the ground beneath your feet.
The realization that your movements are slowed.
The realization that you can't breathe.
All within the space of a few seconds, realization that you are underwater, caught in a current, and are about to drown.
If you're carrying weapons, ammunition, or armor, it's likely you'll have to drop some or even all in order to keep from sinking. Exactly what they lose is your discretion, but we recommend that you drop enough equipment so that your character is likely to be and feel threatened by what is to come.
But there's a saving grace here. The current pulls you into shallower water, and your head breaks the surface just in time to catch a life-saving breath, and you and your (now much reduced) team will be carried here each just seconds apart, in the order that you passed through the hole into this place. You've been washed "ashore" in a dark underground tunnel of some kind.
Whether because they're waterlogged or because of interference from this world, your flashlight and walkie-talkie, and any other electrical or technological implements, will not work. Henry Sherman-Townshend's walkie-talkie is the exception, and from here on out, it behaves peculiarly. When there is a monster or ghost nearby, within about fifteen feet, it emits a strange static. The noise grows louder and louder the closer the monster gets to you. You can tell from the volume of the radio static approximately how close the creature is, but not what it is or what direction it's in. All monsters in the subway are hostile to you, but some of them may draw near then withdraw, producing a radio static response but never being seen.
The tunnel starts out accommodating two people walking abreast, but expands after a couple of blocks to the point where it can accommodate three. The walls, ceiling, and floor underfoot are a mixture of packed dirt, splashes of concrete, and an oddly-placed linoleum tile every here and there. It's quite damp, though the sound of rushing water fades away after long, replaced with the hum of unseen electrical lines. The tunnel ends at a rust-splotched metal door, marked "A" on the map.
Lynch Street Line
Upon opening the door, you find yourself in a dark subway station. The walls, floor, and ceiling are all slightly grimy, plain grey concrete. Some shards of glass and bits of trash are littered about, and the whole place is dusty, as though it's been ten years since anyone has set foot here.
There's an overhead light flickering above a bench (see "B") and a bit of light coming from one of the subway cars ("F"). A red neon arrow on the wall not far ahead of you points up what are probably stairs ("C"). It's about two blocks from one end of the track to the other, but it's too dark to see beyond point C.
The light above this bench flickers on and off disorientingly. The bench itself is covered with things, a shabby sleeping bag and a brown coat, a couple plastic garbage bags filled with someone's belongings; cans of soup, a couple ID cards with Walter Sullivan's name and face on them, a very used toothbrush, worn out shoes and clothes, a religious text with damp pages, and other assorted odds and ends one would expect to see in the possession of someone who had been sleeping here regularly. Written on the wall around the bench in what looks like red and black crayon are the words "I HATE YUO," "I CaN SEE YOU CAn YOU SEE ME," "YOU'LL BE SORRY," and "KILL me." A closer look would find that the sleeping bag is pulled up under over the eyes of a small shabby doll with brown yarn hair, blue dress and black button eyes hidden.
A closer look finds that these are indeed stairs leading up, placards reading "Ticketing" and "Lynch Street" faintly legible in the bit of red light available. There are a couple of large broken vending machines blocking the way, but enough strength could move one or both of them. The stairs are blocked off at the bottom with two large steel gates, but one of them is bent and cracked. There's a good handhold, and the gate could be pulled away, but it will take more strength than one flatline human has to do it. Anyone in the party can give it a try, but only Roger will be able to succeed. If Roger pulls the gate away and the group starts up the stairs...
...towards the top of the stairs, you'll find that the area has collapsed, almost like a cave-in. Huge concrete blocks bar any further progress. Consider the location marked "C" to have a red X on it on the map. Upon reaching the blockage, you'll hear an unearthly groaning sound and will be suddenly stricken with a terrible headache and blurred red vision. One of the dark blocks of rubble will move, proving not to be part of the collapsed wall at all, but Victim-16 (see below). Victim-16 will pursue you relentlessly until further notice, and other Victim spirits can now appear whenever you wish.
There is a wall here, thick and impassable, made of some kind of sheer black material that does not fit with the rest of the surroundings at all. It wraps around the subway car to the east like it had been poured on. Spraypainted on the wall, in red, are the words: "You make me happy."
The subway cars are all a mess, filled with trash and broken glass and torn moldy upholstery. The cars are narrow, the aisles wide enough for two people to walk side-by-side if they squeeze. A couple of usable items are noticeable on the passenger seats, if you stop to pick them up. In the northwest car, at point "E," a golf club. In the southwest car, a 9mm magazine. In the southeast car, another 9mm magazine. In the east middle car, a third 9mm magazine.
There is a bit of light shining from this car.
The light source is a pocket flashlight lying on one passenger seat.
This car, as well as the northeast car and the two south cars, have collapsed or have thick bars installed halfway through.
On the east boarding platform, there are a couple clumps of long black hair strewn across the floor.
The large metal door at the south end of the boarding platform is locked, and a note is stuck to it with an old bit of chewing gum. "I am the Lord, I am the Master, I have the keys to set the wheels of progress in motion. I change the world.
You are on the wrong side."
Check with a GM as you search a location to be told if you find the key.
The control car for the west subway train. If you have the key, inserting it into the control panel and turning it on will cause a two small buttons one on top of the other to light up red. Pressing the button on top causes the train to move a short ways northward. Pressing the button on bottom causes the train to move that same distance south. The distance that the train moves, be it north or south, is indicated by the two parallel vertical lines numbered "1."
There's a light on in this service closet, deep red in color. The walls, floor, and ceiling are completely covered in rust. There's a ladder going down through a square hole in the floor. It connects to the King Street Line level at the blue square in location "K."
King Street Line
The ladder goes down just one floor, to a truly bizarre looking hallway. It's partly under construction, wooden planks and metal grading and scaffolding littered around. But more to the point, the walls, floor, and ceiling seem to be made of red, sweating meat. It's very hot and humid in here, and in the beam of the flashlight, you see the walls quiver out of the corner of your eye.
This is another subway line, but in a much worse state than the Lynch Street Line was, and there is a distinct air of foreboding about it. The floor is splashed here and there with rust, mildew, and gore. The one subway car there is crushed and collapsed. Bits of flesh dangle from metal grating cutting through the area at the west end, and what look like a couple desiccated corpses are speared atop the fence. In the middle of the boarding platform, there is an escalator heading up to the next floor, which you can access from the west. Be warned, though, that rushing up the escalator would be most unwise...
Two escalators run side-by-side, the one on the right going up, and the one on the left coming down. All along both escalators, though, are protuberances from the wall that look like stone men. The come out from the wall at the waist, and their arms seem to hang limp. There's a chain wrapped around each one's neck, which stretches taut for about a foot between neck and wall. Although they look, and are, stone or clay or plaster or some similarly solid substance, they're "carved" in such a way that it looks like they're bound and hanging from the wall by the chains around their necks. These are the Wall Men described in the bestiary below. But note that they will not move or act until you draw near it, at which point it will seem to come to life, a mix of flesh and plaster, lashing out at you and breaking the chain. Until a Wall Man "comes to life," it cannot be damaged or harmed by any means. Reaching the top of the escalator alive takes you to the Ticketing Level, the blue square at location "N."
Ticketing Level
And here, the flesh and gore are gone, and it's back to the drab gray from the Lynch Street Line. The Ticketing Level is as hellish as the King Street Line below, rust- and blood-coated, suffocating, strange noises sounding behind the walls from time to time. There's a murder scene at the top of the escalator, a woman's purse contents scattered on the floor amidst splatters of blood, make-up compacts and cel-phone marked off with chalk and a numbered placard. There's a great deal more blood splashed against the windows of the ticketing booth (location "O"), and the door to the booth is slightly ajar. You can see that, inside the booth, a piece of paper was taped to the inside of one of the teller's windows. The paper is clean; it must have been put up after the blood was spilt and dried.
It's a mess inside the subway ticket vendor's booth. There's blood everywhere, and there was obviously a struggle here at some point, desk contents scattered. A blood-splattered Saint Medallion lies on the floor. The piece of paper taped to the inside of the window reads:
"1. In every woman's body
beneath her heart it rests
But hers is shriveled, dry, a tomb
to tear it out is best.
2. The world her sight has clouded
from dark to milky blind
pluck out the erring vision
the truth that she may find.
3. The coward hides from judgment
defends her precious sin
She'll raise defense, wound through the skin
in blood healing begins
4. But still her path is murky
she walks toward hellish flame
Cut off her steps; in stumbling
she'll find the greater gain.
5. From breath to flesh she bore him
a mother's love she gave
but from this world she took him
from breath to flesh to grave.
6. Whispered words of promise
and sugar spun from lies
From candied lips sweet venom drips
Strike true, heed not her cries.
7. When she was just a child
all sugar spice and sweat
sweet heat still lived within her
her sins brought no regret
To you, oh weary traveler
it falls to teach her grace
carve deep the sacred symbols
beneath the lustful place."
Dead ends all around down here. What looks like a giant worm or leech, large enough for a grown man to walk through were it hollow, emerges from the wall at one point and reenters the wall further down the hallway. It smells terrible, and sets off radio static, but does nothing other than pulsate. It it's damaged, it will shudder and ooze pus, but otherwise won't react.
The men's room. It's unremarkable. There's a first aid kit taped up under one sink, which has a couple bandages and some hydrogen peroxide. One of the toilets is in disrepair, pipes disconnected from the wall. One of the pipes could probably be wrenched away and used as a blunt weapon if you cared to.
The hallway reaches a dead end here, but set into the wall is an image that looks very much like a typical Madonna and Child portrait, a seated mother in a large flowing robe gently cradling a child, porcelain perfection. The image is made of 21 square tiles, three columns and seven rows, each of which can be flipped.
The reverse side of each tile that same image, same part of the body, but altered. Were all the tiles flipped over, you'd see the woman and child in the same position, but they are battered and degraded, streaked with blood and grime, peace and purity turned to violence and sex. The flipside of each tile is described below. (The tiles are numbered here purely for reference and convenience; no such numbers appear on the tiles themselves.)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
1: Her mascara is smeared and her eye is swollen shut, the flesh around it purple and black.
2: A rusty nail has been driven into the middle of the woman's forehead.
3: Her eye looks askew, somehow, and it's bulging and cloudy, gas forced up under the cornea by some powerful blow to the head.
4: Her cheek is reddened in the shape of a handprint.
5: Her lips are painted a garish red. Her teeth are red, as well, but not from the lipstick. There's blood in her mouth, and her upper lip is split and swollen.
6: This cheek is smeared with lipstick, and her earlobe is torn where an earring was ripped out.
7: What was white light behind the woman on the front side of the tile, here the empty space above her shoulder is dark.
8: Black-blue bruises stripe her throat from where fingers wrapped around it and squeezed.
9: What was white light behind the woman on the front side of the tile, here the empty space above her shoulder is dark.
10: The baby, where it rests against her breast, is dead and decaying. Her arm supports its corpse against her, and her hand is wrapped around its throat.
11: There is an open hole in her chest, cracked ribs visible. Within is only darkness; her heart is gone.
12: On the front side, this arm and hand were raised in a gesture of blessing. Here, her hand is splayed open rather than holding two fingers up. Her hand and forearm are slashed and bruised.
13: The baby's lower half isn't wrapped in a blanket here. Its dead legs hang limp, and an umbilical cord dangles from its belly.
14: There's an open gash low on her stomach, skin held back by safety pins. Where there should be a uterus, there's nothing.
15: Her robe is blood- and pus-stained over her hip.
16: The woman's skirt no longer completely covers her legs. It's hitched up high on her thigh, and the dead baby's umbilical cord ends in tatters.
17: A thick patch of blood stains her skirt where her legs meet.
18: Her skirt is hiked up, and etched into her inner thigh are the numbers "08121"
19: Her shin is bruised and streaked with welts, and instead of the demure sandal she wears on the front side of the tile, on the back side, she wears a spike-heeled shoe.
20: What was white light behind the woman on the front side of the tile, here the empty space between her lower legs is dark.
21: Her shin is bruised and streaked with welts, and her foot has been cut off at the ankle.
Check with a GM when you've flipped tiles and think you've solved the puzzle. If you're correct, once the last correct tile is in place, the image seems to melt, the tiles flowing black to the floor. Behind them is now a crack in the wall, wide and tall enough for even Roger to get through.
An escalator, this one without Wall Men, stretches up several stories, into darkness. http://img.photobucket.com/albums/v32/icaruscrucified/silenthill4_screen020.jpg
When you reach the top, inform the GMs and proceed to the second world.
All monsters can be killed. If you want to go for extra atmosphere, monsters may get back up again after being knocked down unless you stomp them good. ;-)
Gumhead (Grey or Red)
Appearance: It stands about 5'5'' and looks and sounds apelike. Its flesh seems to be rotting, and some of them have a second face apparently trying to emerge from its neck. Some of them carry long blunt weapons, lead pipes or branches or golf clubs or the like. Often appear in groups of 2-4.
Movement: They walk on two legs like a human, awkward-looking but surprisingly nimble on their feet. You can outrun them, but they're pretty good at dodging hits.
Attacks: Attacks with its blunt weapon, or just trying to pummel you with its hands. They're quiet adept at stealing a melee weapon from your hands and turning it against you.
Defenses: Tough to get solid hits on in melee, and because of its jerky movements, it's hard to shoot consistently. It takes a fair beating to take one down.
Probable Location: Anywhere.
Appearance: Looks and smells like the mutilated corpse of a tall woman. Her face is half-stripped of flesh and her scalp doesn't sit quite right on her head. Her shirt is torn to bare her breasts, and there's a large hole low in her abdomen where her uterus was removed. She cries out like a human would when struck.
Movement: She only walks, and is easy to outrun.
Attacks: Most likely, she wields a small axe in one hand. She may have a scalpel instead.
Defenses: It'll take a little more damage to kill her than it would a real person in her place.
Probable Location: Ticketing Level.
Sniffer Dog
Appearance: Patches of it have fur, but the rest looks as though it's had its skin carefully stripped away. Its long tongue drags along the ground, and it's often found feeding on the corpses of dead Sniffers. Tend to appear in packs of 2-3.
Movement: Just like normal dogs. Very difficult to outrun.
Attacks: Mostly biting, sometimes clawing as well.
Defenses: A couple of blows are enough to take it down.
Probable Location: Large open areas.
Wall Man
Appearance: One minute, a space of wall is just a space of wall, and the next minute, it's the form of a man half in the wall, half out from the torso. Seems to be covered with a yellowish skin-type substance and has two claw hands. Makes strangle growling-like noises when it emerges from the wall, and when it swipes at you.
Movement: The creature is unable to move from the wall but can somewhat pivot from its torso, and also go back in the wall.
Attacks: Swipes with its clawed hands.
Defenses: The equivalent of a few axe blows are enough to fell it and cause it to retract back into the wall.
Location: Only appears in one place in the subway. Noted in that location's description.
Although appearance, speed, and power vary by Victim, all ghosts behave essentially alike. Ghosts only appear in the subway after you've interacted with location C!
Appearance: Ghosts make low strange moaning noises from time to time, but are otherwise silent.
Movement: Ghosts float, sometimes just above ground, sometimes well above it. They can pass through walls, but it's a difficult process. They must struggle to pull themselves through, leaving trails behind them of what looks like molasses (see linked image). For this reason, most ghosts will not bother to pursue you if you go to another location.
Attacks: -An "aura of damage" surrounds all ghosts. If you are within about ten feet of the ghost, it begins to affect you, growing stronger the closer to the ghost that you are. Your life begins to literally leave you. This manifests as a feeling of weakness, red and blurred vision, a buzzing or ringing in your ears, and a headache so powerful that it can effectively paralyze you at close range to the ghost. Any open wounds that you have may begin to bleed badly, and you feel cold. A healthy person exposed to this effect uninterrupted for about three minutes, dies. If you are wearing a Saint Medallion, however, the effect on you is completely negated.
-The voluntary attack that ghosts use is to reach into your chest cavity and constrict your heart, paralyzing you and causing more and more harm the longer the contact is maintained. Sometimes this attack causes blood to appear over the entry point, but it does not actually cause a wound. Ghosts are reluctant to touch you if you're wearing a Saint Medallion.
Defenses: Ghosts cannot die. Dealing a sufficient amount of melee damage will cause them to fall to the ground and be inactive for about 15 seconds. Usually, this takes the equivalent of several axe blows, or a full clip of regular ammunition. Shooting a ghost with a single silver bullet causes them to the ground and writhe, gasping and making a strange sucking noise, for about 30 seconds.
Victim 01
Appearance: A tall bald man, dripping and decaying, in tattered black clothes.
Attacks: His "aura" and physical attack are the weakest of the ghosts, and he's not very fast, either.
Probable Location: Anywhere.
Victim 12
Appearance: A teenage boy in a brown beanie hat, his head slowly wobbles from side-to-side in an unnatural way.
Attacks: His attacks deal moderate damage, but he's not very aggressive.
Probable Location: Anywhere.
Victim 16
Appearance: A young woman in a short skirt and a red blouse with a plunging neckline. She's covered in gashes, and the numbers "16121" are cut into the upper slope of her left breast. Her long black hair hangs down in front of her face. Sometimes, instead of floating, she crawls on all fours. In addition to the moans heard from all ghosts, she also sometimes makes a noise that sounds like crying and whimpering in reverse.
Attacks: She's fairly slow, and her heart-constricting grab attack isn't terribly powerful, but her aura is very damaging and it takes more damage than usual to take her down. Those fighting her at close range can also sometimes find a hand or foot entangled in her hair.
Probable Location: Victim 16 will persistently pursue you throughout Subway World, once you've met her. However, she cannot enter the rooms marked "J" and "Q," and will be reluctant to follow you as far as the locations marked "R" and "S."


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Report: Tiger Woods sent Lindsey Vonn his private plane
Tiger Woods appears to be following the standard dating protocol with his rumored girlfriend, Olympic gold-medal skier Lindsey Vonn.
Early in the relationship: Pay for dinners and movies.
Later on: Go to slightly-nicer dinners, maybe surprise her with some roses.
Once you're comfortable: Send your private plane to Austria to fetch your new lady friend after she suffers a season-ending knee injury in skiing's world championships.
He's playing it by the book.
Though Vonn has claimed she and Tiger are just friends, reports out of Europe say the golf superstar sent his private plane to fetch Vonn after she suffered a catastrophic knee injury on the slopes this week.
Ski Racing Magazinecites the Swiss newspaper Blick for the report.
Vonn reportedly caught the flight in Salzburg.
Late last month, Woods' spokesman declined comment on Tiger's relationship with Vonn. US Weekly recently quoted a source who said the pair had been dating for nine months.
Vonn crashed during Tuesday's Super-G race and tore two ligaments in her knee. She will undergo surgery next week.


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Boston, MA: 617.399.6500
Salem, MA: 978.744.5909
Framingham, MA: 508.739.0200
Free parking at all showrooms
Cut and Loop Rug
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