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Senate banking inquiry
Oh dear! We have a Senate inquiry looking at competition in the banking sector.
Only in Australia, following a global financial crisis, would we have an inquiry which focuses completely on the wrong issues. We should be looking at our system of financial regulation. As I have noted before, the fact that the federal government underwrites our banks means that we need to reconsider the range of activities (insured) banks are allowed to engage in. Once these new rules are sorted out there may or may not be a competition issue in banking – but we cannot say at present.
So we need a banking inquiry – but can it be the right one?
10 Responses to "Senate banking inquiry"
This is the wrong perspective. We need to address the crony capitalism of having the banks underwritten by the government, not how we can extract the most bang for our buck under this egregious arrangement. You have written in previous posts that this government guarantee is inevitable and we should move onto ways of making the terms more explicit and priced correctly. I view this as a cop out. Of course it is politically challenging in the short term to explicitly forbid a guarantee, but it is nonetheless the preferred model for properly functioning capital markets and worth advancing intellectually.
Also you want competition in banking? Start by reducing the barriers to entry. Banking is the most heavily regulated aspect of financial services, which in turn is the most heavily regulated aspect of the economy. The fact that it is not viable for a small business to conduct a banking operation because of the deadweight costs of regulation shows how competition can be improved in this sector by removing regulation, not adding more. The test of a competitive market should be that an individual operating a venture not be placed at a competitive disadvantage to a large corporation merely because of the costs of addressing government regulation.
Too many people are looking at the need for competition in the Australian market. They're wrong! With 20-22 million people in Aus, we can only support an oligopoly of four or so and that's what we have. The same would go for whatever remains of the AWB, however that's working these days. If you accept ALDIs and IGA, it's what we have in the supermarkets. Too much competition puts too many people at risk. A bank loses all its money somehow, people wont blame the bank, they'll blame the government because the government should have done something to protect us. People will then go back to putting their money under a mattress. The last thing we want to do in Australia is deregulate the banking sector, the excessive deregulation (lax regulation) is what caused the crises in the US to start with.
The only thing that caused the US housing bubble and fragility of the finance system more broadly is the increased interference in private sector lending by government which had occurred in the preceding years. For example;
Central bank manipulating interest rates downwards and masquerading printed capital as real capital (see Austrian view)
Community Reinvestment Act and affirmative action in lending (particularly clinton changes)
Freddie & Fannie (Implicit, now explicit government corporations providing non market based liquidity to RMBS)
Basel regs standardising risk and introducing a systemic 'model risk' which exploded when gaussian copulas were proven inadequate. (Effect of which was that we avoided occasional periodic bank failures in exchange for infrequent systemic banking system failure) – See also nassim taleb
All of these causes are functions of government interference. The statement that "the government should have done something to protect us" is the most disappointing theme of modern politics. Not only is this type of thinking responsible for crony capitalism prior and post GFC, including Hockey's proposals, but also for actions such as the Afghan & Iraq war.
Yep, it's a distraction from the main issue.
Lachlan, you've swallowed the kool-aid. The first and last points are matters a reasonable, informed person can genuinely debate, but the second and third are demonstrably factually wrong. Only a tiny proportion of lending was under CRA – this meme is a desperate attempt to blame the poor rather than the rich (with more than a little traditional US racism in the mix too). And Fannie Mae had very little to do with the dogy products being offered in the CDO market.
Financial bubbles and consequent real economic crashes have long predated government interference in financial markets – in fact the causality runs the opposite direction to that which you imply. Government interference did not cause the bubbles and crashes – the interference is BECAUSE of the bubbles and crashes.
Quite right, DD.
See Nicholas Gruen's post, in which he cites evidence that the sub-prime mortgage industry was lending $600 billion a year at the height of the housing boom to borrowers with poor credit histories, and the industry's Congressional campaign contributions rose by 80% between 2002 and 2006. Essentially the federal legislature had been captured by the industry.
Canada is another notable country where the banks survived well. Like Australia the industry is something of an oligopoly. Comparison of the regulatory regimes here and in Canada would be interesting.
As far as barriers to entry into the banking industry are concerned, the experience of the Australian Bank and Macquarie Bank, both starting in the early 1980s, is interesting. The former started from scratch, the latter was based on the tiny presence of Hill Samuel. The former took a competitive position of being in essentially the same business as the major domestic banks but inevitably a lot of the business it picked up was stuff that the majors turned down. Finally its losses became too much. This is despite the fact that it had a number of very competent executives who went on to have strong careers in the industry.
Macquarie took a different tack of looking for unoccupied niches. It sponsored the dominant cash management trust account market. At one stage it was castigated by the Reserve Bank because it had a notice in its sole shopfront office saying "No cash held on the premises", it was a major securitiser for Aussie Home Loans, and so on. It has since continued in that vein, seeking profitable niches.
There are street banners in Sydney this week celebrating the 25th anniversary of Citibank in Australia. (It actually arrived in the early 1970's when it bought a 50% shareholding in local finance company IAC.) Considering the tiny inroads that Citibank has managed to make in the Australian retail and small business market after a quarter of a century or more, you have to concede that there are large barriers to entry, but they don't seem to have much to do with legislation.
Lachlan: On the issue of a government guarantee, the government has a product that the private sector cannot itself supply – trusted crisis stability. It is fair enough then that the government should supply this product – for a fair price – because it is a product that would be otherwise unavailable.
But Mark, Aussies are savers… we just don't use banks, we use superannuation (a.k.a pension funds). Of course, some not insignificant portion of said super funds would be invested in bank shares, so we are all benefiting from their surging profitability (indeed we should perhaps all back off from the anti-bank hysteria so as remove some of the uncertainty regarding future regulation which may be keeping their share prices down).
I suspect there is also a dispersion issue with the bank deposit holders, as they are more likely to hold small deposits relative to the hefty mortgages many of us carry…
DD – the CDOs itself did not cause the crash… it was the underlying assets which was dodgy. What cuased it? Of course one could argue that it was human greed… and I think bnaks are likely to get greedy and take on more risk if they have to compete more. Why not grow a banking sector that can compete internationally, and if we have to pay 5o basis points more so be it… because I am sure we will be creating more jobs thus improve our overall wealth.
The reason most are grumbling at the moment may perhaps be high mortgages, and maybe, just maybe that has been caused by cheap credit and "liquidity". I for one do not believe we need to focus on pushing our real estate values much higher, and would rather focus on buidling world class companies – our banks are some of the strongest in the world at the moment… maybe its time to expand, rather than force them to shrink.


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HOCO Fest Day 3 - FREE
HOCO Fest Day 3 - FREE
Dry River Yacht Club, The Preservation, Lace Curtains, The Resonars, Dream Sick, Andrew Collberg, Prom Body, The Pisteleros, Dead Hot Workshop
Club Congress
311 E. Congress St.
Tucson, AZ, 85701
Doors 5:00 PM (event ends at 10:00 PM)
Watch & Listen
Dry River Yacht Club
Sailing Musicians upon a yacht, upon the seas we sailed. When one day sailing on board our ship, through a storm we had to prevail. The storm took us and threw us, and tossed us around. It bumped us and blew us. It soaked us and shook us. .
The Preservation is a blend of vocal harmonies, driving guitars, bouncy pianos and an amalgam of American music that has come to define Austin bands in the past decade. With a repertoire that is clearly influenced by early 60's girl groups and chamber pop as well as the psych and garage rock from that era, the band also focuses on composition and songwriting that creates a modern sound. The band
has released two LPs since their formation in 2009. The self-titled "The Preservation" recorded in a home studio in 2010 and "Two Sisters" recorded in 2011 at Public Hi-Fi in Austin, a studio built by Spoon drummer/producer Jim Eno. A forth coming EP recorded at producer Danny Reisch's (The Bright Light Social Hour, White Denim, Shearwater) East Austin studio is due for release this Spring.
est. 2009
Austin, TX
The Resonars
PROM BODY was born from the bedroom recordings of Mike Fay in the winter of 2012. Since then, the band has assembled and coalesced into a formidable four-piece that includes Gilbert Flores, Matthew Baquet, and Ryan Chavira. Known for rowdy, confetti laden, balloon exploding performances, Prom Body's live show is always a unique and energetic foray into their own world of punk weirdness.
In 2013 they released "Creep the Strange", an inside/out, 4 track, lo-fi pop opus released by the art collective Topaz, who saw fit to create a record label exclusively for the album. In early 2014 Mike recorded another album, 'Naughty By Natural', again on a four-track, and again for Topaz Records.
Prom Body reemerges alongside fellow Tucson band Hikikomori, (members of Prom Body, Sex Prisoner, and Territory) on a single split to support their upcoming west coast tour this October. The release comes by way of Spork Press, an independent publishing house based in Tucson, in preparation for Prom Body's next full length out in 2016.
Dead Hot Workshop
Tempe, AZ-based singer/songwriter Brent Babb joined with drummer/bandleader Curtis Grippe to form the guitar-driven rock band Dead Hot Workshop in the early '90s. More than a decade (and four albums) later, the group remained one of the hardest-hitting bands on the West Coast. According to Roger Clyne of L.A.-based band the Peacemakers, "Music people in this city get as excited about what Brent Babb does as people did about what Dylan was doing in the '60s."
While their early sound centered on the two-guitar attack of Babb and Steve Larson and Babb's working-class-oriented lyrics, Dead Hot Workshop was forced to reorganize following the departure of Larson in June 1997. They recorded their second album, Karma Covered Apple, as a trio.
Dead Hot Workshop continued to shift personnel. When Brian Scott left in June 1998, he was replaced by ex-Dialectis bassist Steve Flores, and second guitarist Chris "Whitey" Whitehouse, formerly of the Satellites, was added
Upcoming Events
Club Congress
Thu, June 29
Black Marble
Fri, June 30
The Districts @ Club Congress
Fri, June 30
The Districts
Fri, June 30
Sat, July 1
Whole Lotta Zep

subset: commoncrawl


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text: 189 FPUS63 KFSD 240904 SFPSD SDZ001>074-242300- State Forecast for South Dakota National Weather Service Sioux Falls SD 404 AM CDT Sat Jun 24 2017 .TODAY...Clear to partly cloudy. A chance of morning showers northeast. Highs from the lower 60s northeast to the mid 70s southwest. .TONIGHT...Clear to partly cloudy. Lows from the upper 30s north central to the upper 40s far southeast. .SUNDAY...Mostly clear west...partly cloudy east. A slight chance of afternoon showers northeast...and a slight chance of showers after midnight far southeast. Highs from the mid 60s northeast to the upper 70s west central. .MONDAY...Clear to partly cloudy. A slight chance of showers early far southeast. Lows in the mid 40s to lower 50s. Highs from the lower 70s east to the lower 80s far west. .TUESDAY...Partly to mostly cloudy. A chance of thunderstorms east, mainly after sunset, and a slight chance of thunderstorms northwest. Lows in the 50s to lower 60s. Highs from the upper 70s east central to the mid 90s west central. .WEDNESDAY...Partly cloudy with a chance of thunderstorms. Lows from the upper 50s far west to around 70 southeast. Highs from 80 to 90. $$


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2017 Keystone Summerland 2600TB Floor Plan
Summerland 2600TB Virtual Tour
Summerland Inventory
Summerland 2600TB Travel Trailer BunkhouseFor the ultimate family-friendly adventuring machine, check out this 2017 Summerland 2600TB! With a rear bunkhouse, private bedroom, and a compact design, this unit is small enough to tow with ease but big enough to give the whole family a place to stretch out and unwind. Come tour it today!
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Keystone Summerland 2600TB FeaturesThe front bedroom in the Summerland 2600TB holds a queen-size bed with dual bedside wardrobes and overhead shelving above. For those hot summer nights, parallel windows promote air circulation to keep you nice and cool as you sleep. The living area just off the bedroom includes a comfy sofa bed to maximize sleep space. The nearby booth-style dinette is positioned alongside a large window for a delightfully scenic dining experience. The adjacent kitchen comes complete with a 6-cubic-foot refrigerator, 3-burner stovetop with 18" oven, and a deep-basin sink with a high rise faucet. The full bath in the back of the Summerland 2600TB features a separate commode room that houses a porcelain foot-flush toilet and shower. The vanity sink is located just outside of the commode room, and includes a medicine cabinet to tuck your toiletries out of sight. The bunkhouse next door includes dual double beds snuggled into the corner to give campers sleeping here a cozy and private feel. The exterior of the Summerland 2600TB features two (2) outdoor speakers, oversized pass-through storage, and an adjustable power awning to extend you living space out into the fresh open air!
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Hitch Weight
545 lbs.
Ship Weight
4743 lbs.
7545 lbs
28' 10"
10' 6"
8' 0"
Fresh Water
55 gal
Gray Water
34 gal
Black Water
42 gal
L.P. Capacity
40 lbs
Tire Size
Furnace BTU
Lakeshore RV Center Reviews
2016 Summerland 3030BHRyan Kovich


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Brian Robbins
Erika Christensen
Scarlett Johansson
Chris Evans
Printer-Friendly version
It's kind of sad because you can tell the filmmakers tried going for that THE BREAKFAST CLUB vibe, but needless to say, failed miserably. The heist scenes, while not entirely boring, weren't really engaging either, they just kind of passed the time before you got to the "twist" ending which was about as shocking as a Robert Downey Jr. drug relapse. I guess you can tell by now that I'm using this review to try out some new one-liners-- after seeing a movie lacking in both excitement and fun, I figured I'd try to make some of my own. If MTV wants people to go see their teen flicks and they don't have an original spin on it, they better make damn sure they at least get some T&A in there for the kids. Damn...even SWIMFAN had the common sense to slap a bikini onto Erika…!
Making of The Perfect Score (21 minutes) : The usual 'making-of' stuff, but what makes this one worth watching is seeing the actor who played the stoner in the movie speaking with a very proper British accent. It was also cool to see what 'Eric' looked like now.
Theatrical Trailer & Previews


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Don't Let Tire Problems Put the Brakes on Your Valentine's Date
February 6th, 2015
Don't let tire problems get in the way this Valentine's day. How is your tire pressure? Do my tires need to be rotated? Is it time for an alignment? Do I need new tires? While these questions can seem daunting, with the help of tire professionals and various routine self-checks, any driver can maintain proper tire care and not miss that big date this Valentine's Day. From tire rotations to air pressure, learning what signals might indicate tire replacement or repair is important for every vehicle owner.
Let's begin with tire air pressure. Perhaps one of the most obvious tire maintenance steps most drivers neglect until it's too late is checking your tire's air pressure. Even careful drivers with perfect tire upkeep lose around 1 psi (pound per square inch) per month, culmi ...[more]
Tags: tires, new tires, alignment, tire pressure, tire repair, tire maintenance, tire rotation, tire rotation service, tire balancing
Posted in: Tires 101
Preparing for Summer Holiday Travel
May 22nd, 2014
Before you hit the road this summer let us assist you in making yourself aware of a few important inspections and checks you can make to prepare yourself for those long, hot road trips. With a quick pre-trip vehicle check-up it is easy to determine how road-ready a vehicle is before experiencing problems on vacation or during travels. Conducting a vehicle inspection before leaving will help to avoid troublesome repairs and prevent potential safety hazards that result from a break down far from home. While some complications are not foreseeable, using the upmost caution and preparation will help to protect your vehicle and its occupants.
Always schedule a tune-up before major trips as even a minor appointment with a mechanic could reveal a potential issue you did not detect or notice from driving. Tu ...[more]
Tags: driver tips, safety tips driving, tune up, oil change, alignment, car repair, safe driving tips, battery replacement, tune up service
Posted in: Tires 101, Auto Repair 101
Helpful Tips For The High Mileage Car
October 9th, 2013
If your car has reached the 75,000 mile mark or higher, it usually means at least two things:
- You've probably been taking care of it, so congratulations!
- Your vehicle now requires a little more tender loving care.
High mileage vehicles are pretty common, but without proper maintenance, you may be setting your car up for failure. The car's parts are getting older and have received a lot of wear and tear. To get the most out of your vehicle, take some of these simple steps to ensure that your car can stand the test of time and keep you on the road for more miles and years to come.
Oil Changes:
This cannot be stressed enough. Regular oil changes are the lifeblood of your vehicle. Changing the oil keeps ...[more]
Tags: auto repair, safety tips driving, auto repair services, oil change, alignment, auto service, high mileage cars
Posted in: Tires 101
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It's bad out there, folks. To be sure, the February reading did set a record low since 1967, but the record is just one month old, as the January reading was the previous low. In fact, except for the November 2008 bump, each month has set a new record low since September 2008. The labor market is just brutal, and that is killing confidence. Consumers are getting gloomier and gloomier on an uncertain economic future.
Speaking of future, according to the Conference Board survey, consumers don't see light at the end of the economic tunnel for the next six months.
This chart, which illustrates consumer business expectations over the next six months, is particularly disconcerting for two reasons. First, the percentage of consumers surveyed that believe conditions will worsen surged by 9.4% to 40.5%. This is troublesome, since waning confidence in future conditions likely drives down current spending by increasing savings. Yes, this is a good thing over the long run, but it can further contract the macroeconomy hard in the near term.
Second, the number of consumers that claim conditions will not change in 6-months is falling quickly; or an increasing number of individuals are developing an opinion that the economy over next six months will corrode.
The percentage that believe that conditions will not change over the next six months is not listed, 50.8%, but it is simply 100% minus those that believe the economy will worsen, 40.5% in Feb., and those that believe the economy will improve, 8.7%. Notice how there is always a rather stable number of people that believe conditions will be the same over the next six months? Well that has changed abruptly. All the previously "same" people are falling into the "worsen" boat.Overall, this is a terrible report. I imagine that confidence will increase when the fiscal stimulus money starts to roll out; but until then, there is really no reason to be positive right now.
Rebecca Wilder


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Located in Te Awamutu, 27 km from Hamilton, Golf View B&B features free WiFi access and free private parking.The rooms have a flat-screen TV. Certain rooms feature a seating area where you can relax. You will find a kettle in the room. Rooms have a private bathroom equipped with a shower. For your comfort, you will find free toiletries and a hair dryer.You will find luggage storage space at the property.Raglan is 48 km from Golf View B&B, while Waitomo Caves is 34 km from the property. Hamilton International Airport is 18 km away.
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Show Hotel Golf View B&B on the map
-38.02485 175.335793


text: austin By Mark Roberts August 25, 2011 12:34 PM Share on Facebook Share on Twitter Category: Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of 98.7 WFGR Michigan Bill Would Make English the State's Official Language Oscar Mayer Weinermobile Visiting West Michigan One of Grand Rapids' Most Popular Food Trucks Destroyed By Fire Adorable Two Year Old Girl Complains About Going Through Security On Her Flight To Michigan [Video] Recommended For You ZergNet Best of the Web ZergNet


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8447 Pinecross Lane, Ann Arbor 48103
See more homes for sale in Ann Arbor, MI
This property has been Sold!
06/10/2016 at $350,000
Nicely updated quad-level home on 3.71 wooded acres. This 3 bedroom and 3 bath home comes complete with new fiberglass Majic windows, interior paint, dish washer, stove and newer roof. Large living room with wood burning fireplace connects to dining room. Updated kitchen has plenty of counter and cabinet space along with sliding door to beautiful outside deck. Break nook with full wall window to bring in light and the gorgeous view. Family room serves as a TV room and gathering place with access to deck. Upstairs has a master bedroom suite with master bath. Guest bedroom has a balcony deck. Walkout lower level is partially finish and has a covered three season porch/hot tub room. A 30x40 outbuilding is a hobbyist delight and has a separate driveway and comes complete with heat, water, 220 amp service and A/C. Outside also has a green house and garden. Show this home, your clients will love it.
Property Information
- Total Finished SqFt
- 2,093
- Above Grade SqFt
- 2,093
- Garage Desc.
- Door Opener, Electric
- Water
- Well
- Sewer
- Septic
- Year Built
- 1978
- Home Style
- Quad-Level
- Summer Taxes
- $1,452
- Winter Taxes
- $3,092
- Association Fee
- $0
Rooms and Land
- MasterBedroom
- 16 x 13 2nd Floor
- Bedroom2
- 15 x 12 2nd Floor
- Bedroom3
- 12 x 12 2nd Floor
- Dining
- 11 x 14 1st Floor
- Family
- 14 x 17 1st Floor
- Kitchen
- 10 x 13 1st Floor
- Living
- 15 x 17 1st Floor
- Basement
- Partial, Partially Finished
- Cooling
- Central
- Heating
- Forced Air, Gas
- Acreage
- 3.71
- Lot Dimensions
- Appliances
- Dishwasher, Disposal, Dryer, Range/Oven, Refrigerator, Washer
- Fireplace Desc.
- One, Wood
- Interior Features
- Cath/Vault Ceiling, Ceiling Fan(s), Master Bath, Security System
- Exterior Materials
- Wood Siding
- Exterior Features
- Balcony, Deck, Enclosed Porch, Patio, Pole Barn, Porch, Satellite Dish, Shed
Listing Video for 8447 Pinecross Lane, Ann Arbor MI 48103
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Listing Courtesy of Keller Williams Ann Arbor
Office Address 2144 S. State Street
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Our Michigan real estate agents can answer all of your questions about 8447 Pinecross Lane, Ann Arbor MI 48103. Real Estate One, Max Broock Realtors, and J&J Realtors are part of the Real Estate One Family of Companies and dominate the Ann Arbor, Michigan real estate market. To sell or buy a home in Ann Arbor, Michigan, contact our real estate agents as we know the Ann Arbor, Michigan real estate market better than anyone with over 100 years of experience in Ann Arbor, Michigan real estate for sale.
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Tmnt 1989 Figure Lot Metal Head Ace Duck Leatherhead Krang Baxster Stockman
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Toys, Dolls, Games & Puzzles
- Source: eBay
- Sold Date: Jun 06, 2014
- Channel: Auction House
GOING TO BE POSTING ALOT MORE, BUY 3 OR MORE LOTS FOR A PACKAGE DEAL. For sale is a lot of Vintage Teenage Mutant Ninja Turtles. Lot includes 5 Tmnt 1989 Figures. Which are Metal Head, Leather Head, Ace Duck, Baxter Stockman, and Krang. Items are played with use pics for items and condition. Being sold as-is because of age. I strive for 100% feedback so if you have any questions be sure to ask


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Escambia County Guardianship Lawyer
Do you need assistance with probate after the loss of a loved one? Do you need to become a guardian for a family member who is unable to take care of himself or herself because of age, medical condition or special needs? Are you interested in creating an estate plan?
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To discuss your case personally with experienced Pensacola probate lawyer John Glassman, call me at 850-542-0356 or send me an e-mail to schedule a free initial consultation.


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Vintage Clear Glass Canning Funnel
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Furniture & Furnishings
- Source: eBay
- Sold Date: Dec 21, 2015
- Channel: Auction House
This is a vintage clear glass canning funnel with handle used for filling canning jars 3" tall; 4 1/4" across the top; bottom opening is 2" No chips, cracks or breakage Clean and ready to use or display From an estate sale
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Should you be dissatisfied with any item you receive, please contact me and I will do my best to workwith you in resolving the situation. I strive to provide excellent customer service. Item will be securely packaged and will ship within 2 business days following receipt of payment.
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Just arrived, this über rare 110 SVX 60th Anniversary edition, almost all the few that were build were left hand drive. 119,000 KM (73,900 miles) one careful owner from new complete with original SVX book pack, keys and sat nav. Further SVX refinements are polished billet alloy gear levers, SVX Recarro sports seats, black part-leather, heated windscreen, seats, A/C, ABS - TC SVX dual finish alloy wheels, SVX front grille, light surrounds and lighting kit front and rear. We are about to fully detail this wonderful defender and add our Icon Santorini black smooth Rear Crossmember cover plate and NAS rear tow step to the rear to finish off that stunning look. Further Icon performance, bespoke, comfort enhancements including 5 speed automatic gearbox, 3.2 TDCi 5 cylinder Diesel or 5.0 V8 petrol instals, please enquire.
land-rover defender 110 ltd edition svx left-hand-drive black 5-speed abs alloy-wheels air-con diesel heated-windscreen leather sat-nav v8 4wd british
Nene Overland, Manor Farm, Peterborough Road
Ailsworth, PE5 7DL , Cambridgeshire
United Kingdom
Today marks an important moment in history, as the last ever UK-built De...
As the end of Land Rover Defender production draws closer, the buzz arou...


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Let us hold fast the confession of our hope without wavering, for he who promised is faithful. And let us consider how to stir up one another to love and good works, not neglecting to meet together, as is the habit of some, but encouraging one another, and all the more as you see the day drawing near.
Hebrews 10:23-25
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The Bread of Life Supper Club
The Bread of Life Supper Club is the main weekly meeting of everyone at Hold Fast Fellowship.
Join us every Friday night while classes are in session for a home-cooked meal, good conversation, candlelight worship, and deep exploration of the Bible.
Supper is Served 6:00 pm
Worship 6:45 pm
Bible Study 7 pm ...
The Catacombs
You are invited to join us for a quiet, candlelight, violin-led worship experience. The best way to start the week is by contemplating God's Word and letting it refresh your spirit.
We gather every Sunday night at 9:30 pm when classes are in session. Communion is offered every other week.
Our worship is rooted in the Bible and early Christian history…
Who We Are
Hold Fast Fellowship is a Registered Student Organization at the University of Arizona and a member of the University Religious Council at the University of Arizona.
We are a Bible-teaching and gospel-preaching fellowship, a community of Christians who strive to stir one another up to love and good works.
Everything we do is centered in the truth of Jesus Christ...
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The Bread of Life Supper Club is made possible by individuals, Bible studies, choirs, and churches who generously provide supper for the students. Check our schedule for bringing supper. We'd love to have you sponsor a Friday night dinner!
Useful websites, thought-provoking podcasts, book recommendations, and more...


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(informal) to allow somebody to believe something that is not true, for example that you love them, intend to help them, etc. She has no intention of giving you a divorce; she's just stringing you along.
string along phrasal verb definition in Love topic from the Oxford Advanced Learner's Dictionary
Explore synonyms and entries related to Love
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At this meet up we will finish reading Hnery IV, part 2. We will be at Debbie's house in Flynn (contact either Laura or Debbie for the address if you do not have it) and (TBA) will be bringing supper.
As always, bring your own copy of the play and if you have not already done so, send your email address to Laura so that you can be sent a list of characters to choose from. This list typically goes out on a Monday or Tuesday so it would be greatly appreciated if RSVPs could be in by then too. We realise that emergencies happen, but changing RSVPs late means someone has to change the parts (a tricky process) so please try your best not to cancel late.
If you can't find a copy of the play, it can be printed from http://opensourceshakespeare.com/. Please note, if you go to the print version and edit in Word (this is an option in my browser(IE), but you may need to copy and paste into Word), changing the line spacing to 'single' greatly reduces the number of pages for printing.
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West Bromwich Albion are targeting four more points for Premier League survival, and a win over West Ham United at the Hawthorns on Saturday would put them close to achieving that aim.
Pepe Mel's side (6-15-13) have picked up five points from their last four games to give themselves a great chance of avoiding relegation, but conceding stoppage-time equalisers to both Cardiff City and Tottenham Hotspur during that run has left them still needing results in their final matches of the campaign.
With Cardiff and Fulham both three points behind the Baggies having played a game more, Mel believes that four points from his team's four remaining matches should be enough.
"What we really have clear is that we need four points from the last four games," said Mel in his pre-match press conference. "Last year 36 was actually the cut-off point. I think 37 will be enough to keep us up. Saturday is the final. There is only one match.
"In the last six we've won two and drawn two, so I believe we are ready. The (Manchester) City game really was very difficult, particularly with us being 2-0 down inside 10 minutes. But some of the performances we have seen recently are those we need to see in order to keep ourselves up."
Despite being 12th in the table, Sam Allardyce's West Ham (10-7-18) are not yet assured of their Premier League status either. The Hammers have lost six of their last eight league matches, but on 37 points, they know one more positive result should be enough to see them back in the top flight for 2014-15.
"The reality for us is that we're not mathematically safe so we can't put any of our plans in to practice," said Allardyce, referring to the club's aims for the summer transfer market. "Last season was an overachievement and I think this season has been an underachievement up to now. There are certain circumstances as to why that's been the case, as we all know. They've been well documented, not just as a business but also publicly. It's been a tough one.
"In the last three games we haven't failed by performance, but we have failed by individual errors at a certain time and of course certain errors by officials. They've cost us pretty dear as well I think."
West Brom have injury doubts over Gareth McAuley (calf) and are missing Liam Ridgewell (knee) and Zoltan Gera (hamstring), while West Ham United have doubts over Guy Demel (illness).
It was a dramatic 3-3 draw when these teams met at Upton Park in December. The since-departed Nicolas Anelka scored a brace for the Baggies, with Saido Berahino grabbing the crucial equaliser.


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hey please follow me on my personal modeling page if you want to check it out https://www.facebook.com/NovasWolfSiteModeling
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Arts, Society & Culture, HistoryFollow
Some of the world's greatest artists, designers, photographers and architects showcase their work and visions onstage at the TED conference, TEDx events and partner events around the world. You can also download these and many other videos free on TED.com, with an interactive English transcript and subtitles in up to 80 languages. TED is a nonprofit devoted to Ideas Worth Spreading.
December 5th, 2014
Episode 124 of 205 episodes
Choreographer Aakash Odedra is dyslexic and has always felt that his best expression comes through movement. "Murmur" is his ode to that experience, teaming up with co-creators Lewis Major and Ars Electronica Futurelab. Watch him spin his way through the center of a storm, as pages of books take flight all around him.
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How do you develop speed?
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Outta My Head
Join Date: May 2006
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Originally Posted by
My punches are pretty fast. Ive heard of people that dont fully extend. I fully extend but I dont lock the joint. When you dont fully extend you become a weak hitter. I remember when I was in boot camp for the marines in marine corp martial arts they said a fully extended arm is a broken arm. They thought they were training safe fighters but they were really training weak hitters.
Also when you strike all of the weight should be on the ball of your foot if you look at pro boxers their heels dont touch the ground. When you see a heel touching that means his staminas on his way out if it isnt there already. You always want to be on the ball of your foot.
Ive noticed a trend that alot of strikers now a days are to concentrated on speed and are over looking punching streghnth. Yes speed generates power but the amount of contact you put into the throw is an even bigger factor. Thats why people brake boards in martial arts it has nothing to do with power its to train you to have good form and learn how to punch through your opponent. That is the most important part of striking.
I think the first part comes from the fact that you shouldn't be fully extending your arm if you are not punching into a target (i.e. shadow boxing). This is even more so if you are using weights to help increase hand speed. When you punch with power and intent, if there is no target to punch into the only thing holding your fist and arm back from seperating itself from your body is your own connective tissues. Add a weight to the end of that (even 16oz gloves) and you're looking at repetative stress injuries creeping in before your elbows and shoulders go trick on you.
Now on your last part, the real flaw isn't overlooking "punching strength." It's overlooking good form, as you listed. The ability to generate speed is good. It is one of the key components of creating force. I believe the physics formula is: Force = Acceleration X Mass. The general flaw or pitfall that a lot of strikers fall into is a flaw that is very common with folks who are new to the Martial Arts (whether it be kicking, punching or grappling). Unfortunately, the MMA Trend has kind of contributed to this. How? Well...
If we look at the physics formula F = A x M, the easier part for a new martial arts practitioner to train is the Acceleration (ability to generate speed). It is also the easiest part that they will see the biggest improvement on initially. Once they get that to a place that satisfies them, they stop. Unless they are serious and have a competant trainer that will show them otherwise.
This is very similar to the aspiring MMA competitor that comes onto a forum and asks, "What should I take to be an Ultimate Fighter in 5 years?" You're usually going to see a lot of responses akin to, "Start up MT for striking, BJJ for submissions and Wrestling for Takedowns." You're not going to see many people go out of their way to add in, "Take yoga for flexibility and the ability to focus, take up dancing to work footwork and cardio, get a hold of a nutritionist and dietician if your serious about making weight, start swimming on a regular basis to teach your body to operate while your cannot breathe freely" or other stuff like that. The truth is, the other less obvious stuff tends to be a lot harder to do, won't yield a multitude of results as quickly, and isn't considered cool.
Being able to add mass for force is definitely the harder part of the equation. We can't magically make our fists or feet bigger or heavier, but through the use of proper form we can train ourselves to commit our body mass along the same plane of movement as our strikes. Thats why you push off the balls of your foot, rotate your hips and shoulders and move into your strikes. That alone will make the biggest difference in striking power. It can only be pointed out by a serious trainer too.
But, what is someone more likely to post up on YouTube? A vid showing many times they can hit a heavy bag in 30 seconds, or a vid showing that they know to rotate their heel over when throwing a hook?
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Celebrity Numerologist, Michelle Arbeau, enlightens us with January's horoscope explaining our personalities and possible accomplishments
Residents and Creative Industry Tenants Thrive at 5550 Wilshire at Miracle Mile, Windsor Communities
California citrus is at serious risk of vanishing due to Asian psyllid and Huanglongbing (HLB), tree killing diseases that have been found in Southern California.
From the time I heard about Grant Lawrence's second book, The Lonely End of the Rink: Confessions of a Reluctant Goalie," I had been eagerly anticipating it's release, and this summer I finally had the opportunity to read it. Last week...
The Chicago skyline now sports a pink reminder of breast cancer for Breast Cancer Awareness Month and beyond
Stephanie Smith reveals that the motive behind her food blog, 300sandwiches, is an engagement ring and sparks heated responses
Founder and President of We Care for Humanity, USA, Ms. Maria Amor accepts appointment as Head Representative in California, USA of The World Peace Committee
After my complementary consultation with Dr. Adam J. Cohen, I decided to take the plunge and have Ultherapy. In an interview with Dr. Cohen, I learned about many aspects of this approach
At the Chicago Park District special recreation program Deaf young adults can hoop, and be a part of a loving family without barriers or stereotypes
In June of 2008, the Pew Research Center boldly stated that baby boomers were "the gloomiest generation."
Travelling the world, exploring the lush planet as led by God's instruction , provided by Divine provision while laying hands and miraculously healing and prophecy over those you are guided to.
Is your voice helping you? Or is your voice hindering you? Want to speak like a Star? Bob & Claire Corff is where the celebrities, corporations, actors & singers swarm to take lessons to work on their voices and accents. Now, you can too via skype
New York Habitat truley make it easy to find the perfect apartment
I experienced the heady feeling of being with 30,000 (or so it sounded and felt) of my suddenly best friends, at McCormick Place for President Barack Obama's presidential election night victory celebration
"The Verona Project", A New Musical written and directed by Amanda Dehnert, her latest work, is currently playing at Northwestern University's Josephine Louis Theater until November 4, 2012. I had the chance to interview her
A short poem about the journey of life and acknowledging your progression
Women from all over the world come into community to rekindle and embrace their feminine power to effect change
Wining and dining like a true graduate
Unique, luxury holidays in Spain in unspoilt Costa Brava are more affordable than you think at Castel d'Escales. One of the best Luxury Holidays in Spain in an historic, private castle property that accommodates 14 guests, with on-site English host and gourmet cook, can cost much less than staying in an area hotel
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US STOCKS-Wall St pulls back after Fed rally as energy drags
* Energy shares lower on dollar strength, oversupply concern
* Lennar, Guess post strong quarterly earnings
* Indexes: Dow off 0.43 pct, S&P off 0.32 pct, Nasdaq up 0.23 pct (Updates to late morning, adds Philly Fed data)
By Chuck Mikolajczak
NEW YORK, March 19 (Reuters) - U.S. stocks fell on Thursday as energy shares slumped, with the broad S&P 500 handing back some gains from the prior session sparked by a policy statement from the Federal Reserve that was more dovish than expected.
U.S. stocks had rallied more than 1 percent on Wednesday as investors, who had sold equities ahead of the meeting, were relieved by the Fed's statement which cut economic growth and inflation projections and indicated it was in no rush to hike interest rates.
But investors will now seek signs of improvement in the U.S. economy to justify the removal of the word "patient" from the central bank's statement.
"The Fed has painted themselves into a bit of a corner here," said Keith Bliss, senior vice-president at Cuttone & Co in New York.
"Now they have an issue where they have the potential for weakening economic data and you have this dollar which is like a runaway freight train." Continuación...


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2015 SEMA: This 1970 Chevrolet Camaro restomod is for the lovers of the second-generation F-Body
Restomods are a new thing now, or the modernization of classic cars for the sake of nostalgia, where companies or even manufacturers take classic models and give them a modern twist.
That said, Chevrolet took advantage of this trend to modify a second-generation F-Body 1970 Camaro, complete with an all-new LT4 supercharged V8 heart lifted straight from the current Corvette Z06.
Click here for our coverage of the 2015 SEMA show in Las Vegas.
Yup, this means this classic Camaro comes complete with 650hp and 650 lb-ft of torque, which is way more than the original engineers put in when the car was new–especially during the emissions-choked Malaise days.
It's also been modernized in a variety of ways to feature working air conditioning and other revisions to help cope with the extra power. This includes a fully-modern T-56 Super Magnum six-speed manual transmission.
The independent suspension has been upgraded with coilovers with a rack-and-pinion steering system. The rear-end also ditches the ancient live-rear axle for a four-link suspension with coilovers, possibly making this the world's best-handling 1970 F-Body Camaro. Also aiding the performance and handling is an upgraded brake system–because, you know, drums at the rear just won't work with that much power.
Complementing the look is a set of 19-inch polished aluminum wheels.
For the press release, check it out below.
Classic 1970 Camaro Shows Supercharged LT4 Heart
Contemporized muscle car highlights new Corvette Z06-based crate engine
LAS VEGAS – Chevrolet Performance is showing off the new LT4 crate engine in the most attractive way possible – under the hood of a classic 1970 Camaro RS. The concept vehicle was introduced today at the SEMA Show, in Las Vegas.
As the supercharged 6.2L heart of the Corvette Z06, the LT4 is rated at 650 horsepower and 650 lb-ft of torque, making it the most powerful production-vehicle engine ever from General Motors. The new crate engine – offered in dry-sump and wet-sump versions – allows builders to use the high-tech performance engine in their hot rod projects.
This Camaro concept uses the wet-sump kit, along with complementing air conditioning and front-end accessory drive kits.
"Chevrolet Performance pioneered the concept of high-performance crate engines and the LT4 represents a new threshold in technologically advanced, production-based choices for builders," said Jim Campbell, Chevrolet U.S. vice president of Performance Vehicles and Motorsports. "Whether it's in a classic Camaro, like this resto-mod concept, or a vintage truck or street rod, the possibilities are almost endless – and that's exactly how we continue to fuel the dreams of enthusiasts."
In addition to the LT4 crate engine, the Camaro features a T-56 Super Magnum six-speed manual transmission.
To harness the power of the supercharged powertrain, the concept's chassis and suspension systems have been upgraded with an independent front suspension with coil-overs and a rack-and-pinion steering system, as well as a four-link rear suspension, also with coil-overs. It rides on a set of 19-inch polished aluminum wheels and stops with the assistance of Corvette Z06-based front and rear disc brake kits developed as upgrades for the Stingray.
A blend of design cues inspired by the all-new 2016 Camaro complements the contemporary powertrain that drives the vintage muscle car, starting with the Hyper Blue Metallic exterior color. It's one of the available colors on the Gen Six Camaro and it's accented with white rally stripes – just like the 2016 Camaro Hyper concept on display at the SEMA Show.
The exterior also features LED headlamps and taillamps, as additional nods to 21st century technology.
Inside, the black, stock-appearing cabin features custom-trimmed seats from a third-generation Camaro and a custom instrument cluster with new gauges that work with the powertrain's electronic systems. The instrument panel itself is wrapped in custom-trimmed leather. There's also a six-point roll cage for added protection.
About the LT4 crate engine
The LT4 is based on the same Gen V small block architecture as the LT1 engine used in the Corvette Stingray and 2016 Camaro SS, with several unique features designed to support its higher output and the greater cylinder pressures created by forced induction. They include Rotacast A356T6 aluminum cylinder heads that are stronger and handle heat better than conventional castings, lightweight titanium intake valves and stronger forged aluminum pistons.
Chevrolet Performance offers the LT4 with wet-sump (part number 19332702) or dry-sump (part number 19332702) oiling packages. Front-end accessory drive systems are offered for both applications, along with an air conditioning kit and a power-steering kit (wet sump only).
An engine controller –part number 19331517 – is available for manual transmission applications. A custom control system must be used for automatic applications.
The 1970 Camaro LT4 concept vehicle is one of more than 20 additional concept and production vehicles at the SEMA Show designed to showcase Chevrolet's growing range of vehicle accessories, performance parts, crate engines and transmissions
– By: Chris Chin


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Will oil pan seal with one broken oil pan bolt?
I know this topic has been covered, but I did a search and can't find an answer specific to my question. I have a SBC with one oil pan bolt in center of one long side that has a broken easy out, and I've given up trying to get it out. This is a budget build, mild 327. I have a new stock steel oil pan that I will be using. If I bridge the broken bolt hole with a reinforcment plate made of, say 3/16" steel, that fits on top of the pan rail, will this be enough to keep it from leaking? Any other thoughts? Thanks.
It should be fine...Personally, I dont even think you have to make that strap
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This was the kind of day that in any month other than January or February, I would have found something else to do. The blue sky was completely covered by clouds of varying colors of gray, letting no sunshine through. On the other hand, it was warm outside. I'll take overcast and warm over sunny and cold any time.
I didn't expect much from this trip, and yet, as often happens, it turned out to be one of the best for a long time. For the first two hours I had the river to myself except for one lone seaweed harvester. And the birds. This day's photos are a bit darker than usual, given the lack of sunshine.
This great blue heron was hanging out near the boat ramp area.
And of course there were many of the little sandpipers on the surface greenery and swooping through the air. You can tell during the summer that I am itchy to get some photos when I resort to taking moorhen pictures; in the winter that holds true for these sandpipers.
This was the first time I have had any luck getting one in flight--they are fast!
And off it sailed over the river. I like this photo because it gives you a sense of what the day and the water looked like.
There is a flock of ibis that can often be found on the river at the entrance to Blue Spring, and they were there on this day.
I went into the spring; very quiet, but no wildlife in sight.
There was absolutely no wind for the entire drift downstream, and the current was light enough that occasionally I had to put my paddle in the water just to maintain any forward momentum. For much of the time there were no man-made sounds at all (until a plane would fly over...). It was wonderful.
I think my favorite breeding plumage on the birds I typically encounter is that on the great egret. Those long wispy feathers are so beautiful.
That particular egret flew off shortly after I took the above photo, plumage waving in the wind behind it.
I turned around before reaching the Calico Hill boat ramp. For a while it was becoming as dark as it is an hour after sunset, though it was only about 3:00, and I didn't want to get too far downstream. The otter group that hangs out in that area showed up.
They swam into some greenery and took a better look at me.
As I was passing the Blue Spring inlet on my way back to the boat ramp, I saw a paddler coming out of it in a long envy-worthy QCC kayak. We talked for a while and then he headed downstream while I continued upstream.
There were cormorants here and there; this pair taking a rest.
As I neared Cassidy Spring on my way back upstream, some movement in the cypress trees at water level along the river's edge caught my eye so I paddled over for a closer look. A black crowned night heron was perched along the trunk of a tree, staring intently into the water.
I watched for a while and at one point it looked like it had caught something, but apparently was just having a drink.
(In a previous version of this post that bird was identified as a yellow crowned night heron. Force of habit on my part--I have only ever seen one other black crowned night heron, so when I see the white topknot and orange eyes, I think yellow-crowned. Thanks, Steve!)
Another (or the same) great egret with plumage waving in the breeze was posing for me in the middle of the river.
I paddled along the east side of the river as I got closer to the ramp, looking for the raccoon I had spotted before. No sign of it, but I did see a small limpkin.
The other paddler, Mike, caught up to me at about that point and we paddled together to the boat ramp and chatted some more. He offered to let me take the QCC out for a short spin--had it not been getting late in the day, I would have taken him up on it. Since they are made to order and not available in stores (except the rare used one), this is not something I get a chance to do often. Next time!
It was a great day on the river! I hope to get back out soon. Stand by.


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thx for the mod watch (B.W.O.D.)
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thx for the mod watch (B.W.O.D.)
Rock on Juilian keep leading the schnitzles to victory, i will get half life two soon so im coming to help the schnitzels in ur special prisoner evac forces LOL
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So is the current general practice to connect to a known node, e.g. by ip address?
If so, what happens if that node is down? Is the entire cluster effectively broken at that point?
Or do clients simply maintain a list of nodes a just connect to the first available in the list?
Thanks in advance.
On 3 Mar 2010 16:43, "Eric Evans" <firstname.lastname@example.com> wrote:
On Wed, 2010-03-03 at 10:05 -0600, Ted Zlatanov wrote:I don't think voting is going to help. Voting doesn't do anything to
> I can do a patch+ticket for this in the cor...
develop consensus and it seems pretty clear that no consensus exists
It's entirely possible that you've identified a problem that others
can't see, or haven't yet encountered. I don't see it, but then maybe
I'm just thick.
Either way, if you think this is important, the onus is on you to
demonstrate the merit of your idea and contrib/ or a github project is
one way to do that (the latter has the advantage of not needing to rely
on anyone else).
Eric Evans


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2004 Ford Excursion - Consumer Review
Build Quality
Reliability Value
Build Quality
Reliability Value
LOVE My Excursion
By TwinMom on
Vehicle2004 Ford Excursion Limited 4WD 4dr SUV (6.0L 8cyl Turbodiesel 5A)
ReviewMy Excursion is a 2000 Limited model.
We had owned an Eddie Bauer Expendition
that we traded for the Excursion. We
had 3 children at the time and was
expecting our 4th. My other children
are older and into a lot of sports, so
I needed something that would hold all
that. The Expendition has to small
storage. I am looking into getting
another Excursion. I have heard that
they might not make them anymore, so I
am waiting for the last year they do.
It is my car, I drive it everywhere.
It holds everything that I need and
keeps me and my children safe. And I
love being bigger then everyone else,
except for my fellow Excursioners.
Best FeaturesI don't know if I have a favorite feature. I know I would be in big trouble if I did not have the back up sensors. They are a great asset and I think ALL cars should have them. The back of the Excursion has a lot of storage and for a big family, I need it.
Worst FeaturesI have a 2000 Limited Model and have been looking at the 2004s. They have some things that I do not have. My kids are excited about the DVD player in it.
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Wedding Guest Accommodation in Knutsford, Cheshire
Thoughtfully furnished to create a relaxing environment, our Signature Rooms are the perfect retreat after a day exploring all that Cheshire and the North West have to offer. With extra comfy beds, mattress toppers, luxurious quilts and a choice of pillows you're guaranteed a great night's sleep. And our thoughtful touches mean that staying away from home is all that more relaxing and enjoyable.


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Missouri chancellor given authority to weigh league options
The Big12 still hasn't found peace.
Missouri officials confirmed Tuesday that the school is weighing its conference alternatives — almost certainly with an eye to the Southeastern — as its governing board authorized Chancellor Brady Deaton "to take any and all actions necessary to fully explore options for conference affiliation."
It's the same action Texas A&M took in advance of its decision to move to the SEC, effective next year, though Deaton maintained that Missouri is "just beginning the process of exploration. … At this time, we've made no decision."
Deaton, a former agriculture economics and sociology professor who became Missouri's chancellor on Oct.4, 2004, announced he was stepping down as chairman of the Big12's board of directors. The league immediately named Oklahoma State President Burns Hargis to replace him.
In a statement, interim Big12 commissioner Chuck Neinas said, "I anticipate the University will continue to be a member of the Big12."
The move by Missouri - a 1907 charter member of the Missouri Valley Intercollegiate Athletic Association, which evolved into the Big Six, then the Big Eight and Big 12 - came a day after the Big12 announced agreement among school presidents to equally divide revenues from all league-wide television agreements. Three-quarters of those revenues already are, but those from first-tier broadcast events tilt toward the schools whose teams make the most TV appearances. That agreement came with a condition, however, that schools sign over their rights to the Big12 for at least six years, committing them to league control even if they leave.
Before making that commitment, Missouri officials said, they want to examine their options. The school is concerned about the stability of a conference that has lost three key members — Nebraska, Colorado and soon Texas A&M — in a little more than a year.
Underlying that is disgruntlement over Texas' and ESPN's deployment of the school's new Longhorn Network, particularly its use of any high school programming.
"It's a time when we need to explore what options we have," Deaton said. "We certainly are not ruling out continuing in the Big 12, but we want to be sure we're doing what is best for our university."
Posted | Updated


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Guest Voices: storms
Colorado fires, severe storms, floods and record-setting heat: The summer of hellfire and brimstone?
Biblical images of fire and judgment are needed to draw attention to the criminal neglect of climate legislation by our nation and other nations of the world.
By 09:56 AM ET, 07/02/2012 |
Permalink |
Comments (
Tags: heat wave, storms, Revelation


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This content has been marked as final. Show 5 replies
1. Re: creating 3D human model843799 Aug 2, 2010 3:51 PM (in response to 843799)You can't make a decent human model with the Java3D API unless you are a mathematical genius and like doing things the hard way. Do your model in a 3D Modelling package and import it using one of the 3D file loaders out there.
2. Re: creating 3D human model843799 Aug 2, 2010 8:25 PM (in response to 843799)Thanks Marlow
I was thinking the same but the pblm is that i have to change the size of the model on user;s input
Is that possible by importing models in java and then changing the model size........
3. Re: creating 3D human model843799 Aug 3, 2010 10:45 AM (in response to 843799)Well i'm no expert on file loaders for Java but if your model vertices are held in Java containers or any other container like an Array then i would imagine that passing those model vertices through a scaling matrix modified by user input then this might give you the desired effect.
4. Re: creating 3D human model843799 Aug 7, 2010 5:36 AM (in response to 843799)Thanks Marlow,
loading model in a container may be possible but container will not be able to get attributes and their values defined in 3D modeling package for the model.
This may be not a exact solution.
5. Re: creating 3D human model843799 Aug 8, 2010 7:21 PM (in response to 843799)Well, have you looked at the code examples of 3D models out there used by Java 3D? I've seen a few myself. There must be something in this to get you started.


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Continuing Education programs are self-supporting. Each year more than 8,000 area residents participate in credit and credit-free courses, seminars and workshops, as well as the many cultural activities and special educational services offered through the division. The division's offices can be found in the John V. Gannon Continuing Education Center, located in the Learning Resource Center, rooms B105 and B147.
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Printed catalogs and brochures are published periodically by the Continuing Education Division to provide schedules of educational offerings and registration information. These are available upon request from the division.
For further information relating to Continuing Education offerings or to request a catalog or brochure, you may call our Information Line at 860-512-2800, continue checking our web pages or send an email to Continuing Education Information Desk.
Online/Flexible Registration
Would you like to register for a credit-free class online? You can register online with a Discover Card, MasterCard or Visa up to the start date of your selected course. For further instructions, visit the Credit-Free Registration page.


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LENOX Christmas RETIRED Holiday Junction Caboose MINT Train Engine Bone China
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Recreation space on Kirkwood Community College's main campus in Cedar Rapids, Iowa was limited and what existed was used primarily by the College's formal competitive athletic programs. A new facility was planned and it would be reserved for the general student and faculty population.
The facility houses a 200 meter running track which is central in dictating the overall form of the building. The glass enclosed ends of the track punctuate the otherwise rectilinear building and allow track users to have a continuous view of the exterior. The track surrounds basketball, volleyball and tennis courts and a batting cage. These spaces form the central volume of the building.
Within the track on the east and west ends are the cardio-vascular/weight training areas and an aerobics room, respectively. The walls of the aerobics room are comprised of ceramic-coated translucent glass, of which two walls are retractable and, when recessed, open the entire west end of the building. The locker rooms are also encased with translucent glass which provides privacy while allowing natural light to penetrate the space.
In addition to providing athletic recreation space the administration wanted the facility to dedicate space for students to congregate. A large student lounge located near the entrance organizes the traffic flow and provides a large transitional space. The lounge looks out through an expanse of glass to the sand volleyball court. A ten-foot projection screen allows students to watch a variety of broadcasts including Kirkwood's away games which are available via closed circuit television. The west wall of the lounge is lined with computers and creates a mini-cyber cafe where students can access the Internet and Kirkwood's e-mail system.
By the way of coiling doors located on the building's north side the Recreation Center has the ability to admit large equipment including vehicles and allows the space to transform into one which can receive large student and community gatherings. Shortly after its opening presidential candidates used this facility for campaigning and accommodated crowds of 2,500.
The building is constructed primarily of precast concrete, metal panels and an insulated glazing system which admits filtered daylight while offering a high R-value. This solution creates an environment that is fresh and light-filled. Over the main courts the electric lighting system is equipped with photo sensors which supplement the natural lighting as needed and reduce dependency on artificial light sources. Materials used in the interior include color-hardened concrete, rubber athletic flooring, acoustic ceiling clouds, exposed anodized aluminum framing systems, glass mosaic tile and quartz solid surfacing. All work together to create a look and feel that is light, airy, high-tech and easily maintained.
The facility was created to serve as a value-added amenity to the student population and Kirkwood staff. This progressive project achieves this goal and serves Kirkwood secondarily as a recruitment and retention tool.
DIV 03: Color Hardened Concrete: Lithochrome(R) by L.M. Scofield Company.
DIV 07: Membrane: Genflex.
DIV 08: Glazed Curtainwall: Pittco Architectural Metals; Sliding Storefront System: Kawneer; Coiling Doors: Raynor.
DIV 09: Rubber Athletic Flooring: Mondo; Wood Sports Flooring: Superior Floor Company; Acoustical Treatment: Chicago Metallic, USG.
DIV 12: Fixed Benches: Forms + Surfaces; Floor Mats: Construction Specialties, Inc.
Here To Access The DCD Archives™


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The vehicle in your driveway is head and shoulders above the rest compared to all the other vehicles currently being driven today. Cadillac automobile enthusiasts have become used to a certain level of a reputation for strength when driving their Series 70 Fleetwood Eldorado around town. You bought your Series 70 Fleetwood Eldorado because its performance and unique styling struck a chord inside you; so why would you settle for second rate when it comes to superior quality auto parts? When your Cadillac Series 70 Fleetwood Eldorado rolled off the assembly line, it was destined for a person with discerning taste who wants American engineering in their automobile.
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text:
Master Yi Build Guide by DemonBalrog
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Master Yi Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Pros And Cons
+Great damage
+Great atack speed
+Superb chaser
+Great escape mechanism
+Superb pusher/carry/farmer
+Easy to play
+Good harraser
-Squishy early game
-Vurneable to disables
-Easy to harras (Melee)
-Low HP pool
-After using Ulti on a gank that is not working out, he has no way of fleeing from battle.


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No surprises there, then. The majority of these chairmen are either non-executive directors already or expect to become so in the near future. Intriguingly, though, their views are shared by the National Association of Pension Funds, whose members are responsible for £650 billion of our pension money.
Not that the NAPF thinks non-execs are doing such a good job that they deserve greater recognition. On the contrary, it believes there is plenty of room for improvement. While the Government tries to find someone to head a national enquiry into the role of non-execs, the NAPF has been busy compiling its own guide, expected to contain an identikit of the ideal non-executive director.
Sought-after qualities include resilience, enthusiasm and the guts to challenge executive proposals. The NAPF believes the pool from which NEDs are picked is too small - consisting largely of men who were in influential positions and are coasting towards retirement.
If pay levels were higher, the job might become more attractive to a wider cross-section of people. The NAPF reckons a professional non-exec with no executive commitments could manage up to 10 appointments. A salary for each job of between £40,000 and £60,000 would imply a perfectly comfortable living.
A renaming might help to change perceptions. The term 'non-executive' has a second-class ring about it. The NAPF prefers 'independent director'. It would prefer to see them acting like independent directors too.
Penalty spot
FIRST the Football League suggests fans stop watching Coronation Street and Blind Date in protest at their makers, Carlton and Granada, putting ITV Digital into administration. Now the League is suggesting ITVD needs to appoint a second administrator because the first, Deloitte & Touche, knows too much about all the football clubs and could therefore be open to conflicts of interest.
In these days of ever-shrinking numbers of auditors, it is hard to find a firm with the stature to complete a high-profile administration and sufficient independence to please all creditors.
Deloitte knows more than most about football, having compiled an annual study of the game's financial fortunes for many years. Some might consider this a strength rather than a weakness.
This aside, a second administrator would significantly increase the cost of administration. The Football League is desperately trying to squeeze more money out of ITV Digital and its parents Carlton and Granada. Providing millions of pounds of fees to two accounting firms does not sound the best way of taking this sorry situation forward.
Well served
DIXONS may rail against accounting rule FRS 17 for forcing a change to employees' pension arrangements but it also claims money purchase schemes are more appropriate for its workers because they move jobs so frequently.
What a pity the retail chain cannot inspire those on the shop floor to behave more like the board.
Chairman Sir Stanley Kalms has been with Dixons for 54 years, deputy Mark Souhami 32 years and chief executive John Clare 17 years. The combined length of service of the top six directors is 151 years. New accounting regulations are unlikely to have much impact on their pension funds.
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*From the Departments of Medicine (Drs. Lawrence, Hachem, and Wildes) and Dermatology (Dr. Canizares), Washington University School of Medicine, Barnes-Jewish Hospital, St. Louis, MO.
Correspondence to: Kevin Lawrence, MD, Washington University School of Medicine, 660 S Euclid Campus Box 8052, St. Louis, MO 63110; e-mail: firstname.lastname@example.com
The authors declare no financial or other potential conflicts of interest concerning this article.
Reproduction of this article is prohibited without written permission from the American College of Chest Physicians (www.chestjournal.org/misc/reprints.shtml).
A 54-year-old man with a history of hypertension and cervical spinal fusion presented to a community hospital for evaluation of fever (> 38°C), chills, and a nonproductive cough. He was hospitalized and treated for community- acquired pneumonia given his clinical presentation. Over the next 2 days, a diffuse rash developed and antibiotic therapy was changed; however, the rash did not improve and the pulmonary symptoms worsened. The patient was transferred to our hospital for further evaluation.
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But Rise of Nations isn't just about military conquest. Aspiring diplomats will have plenty to do as well because the game supports a robust set of diplomatic options that increase as you share more borders with other cultures. You'll be able to spy on other nations, hire espionage experts and plan clandestine missions, steal technologies, as well as form alliances. However, unlike many empire games in the past where there was no penalty for making a pact, grabbing what you wanted from your ally, and then declaring war, it will cost you resources in order to break the treaty and engage in war on a former ally -- the stronger the alliance, the more it will cost you.
As with most empire-building strategy games, resource management will be a part of Rise of Nations. There are six basic resources in the game, three of which you start with in the beginning (gold, food and timber), and three which you'll discover later in the game (metal, knowledge, and oil). As Brian puts it, "Each resource is gathered in an interesting way and spent in an interesting way." For example, if you build a university you will start to produce scholar units. These scholars will increase your knowledge resource, which can then be in turn used to increase your technologies.
In addition to the regular resources, there will be 32 special resources including such things as diamonds, spice, silk, aluminum and uranium. Each special resource that you control will afford you special abilities. For example, diamonds will not only bring in money for your empire, but will increase your commerce ranking, thereby increasing the efficiency at which you can gather other resources.
Unlike most RTS games, a la Wilfred Brimley Cocoon, the resources in Rise of Nations will never get old, they'll never get sick, and they'll never die. Instead of depleting over time, resource management and extraction will depend completely on how much land you own and how efficient you are at using said resource. Building more actually gives you access to more resources since you have more workers to dedicate to extracting, utilizing, and more importantly, maintaining that resource.
You can play as one of 18 different cultures, including Japanese, Russian, Incan, and Roman. Each civilization will have one special power and at least two unique units, as well as unique art and music. Brian stressed that the unique units would be long-term units that would persist through time and wouldn't become obsolete. Brian also gave us an example of Russia's special power: attrition. In recognition of the harsh Russian winters and the inability to wage a successful ground war in Russia, enemy units who delve into Russian territory will slowly deteriorate over time.
As Rise of Nations is a somewhat-historical (fauxstorical if you will) recreation of history, you'll go trough eight ages in the game, ranging from the Stone Age to the modern Information Age. Thankfully for you impatient gamers, you won't have to dedicate 50 hours to make your way through thousands and thousands of years or history. "We're recreating human history but we want to recreate that history in sort of the lunch hour that people have to play games now. We didn't want to make a game where you spend two hours in the Stone Age and two hours in the Renaissance and so on," says Brian. "We really wanted to capture that feel that some of the early turn-based games had, so instead of going from swords to better swords or tanks to better tanks, you go from swords to guns to tanks to airplanes to missiles and you really see the development of your small tribe into a full-fledged nation in a short period of time."
As you would imagine, technology will follow what age you're in, and the size and population of your civilization has a direct affect on your society's technology. To advance on to more complex ages, you'll need to research technological advances. In addition to these age-based technologies, you can specialize in four different areas that will affect the way your society develops:
- Civic: Increases your political power, effectively increasing the spread of your borders.
- Commerce: Increases the speed at which you can gather resources.
- Military: Earn better attack rating for your units, as well asbetter and more offensive and defensive units.
- Scientific: Improves your research and communication abilities, so units in the field are more efficient, cheaper and faster.


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…, however, is understanding how to verify the stories. To wit, YouTube is gathering a coalition of thought leaders to create resources, training and case studies on how to verify stories in the digital information age. YouTube is also partnering with Witness Media Lab to work on projects that tell the story of the struggle for human rights. While…


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On the defensive side of the ball, end Jessie Rogers, Bandit Shakeel Rashad and cornerbacks T.J. Jiles and Malik Simmons are likely to play against Elon. Offensively, wide receiver Quinshad Davis appears to be a lock and guard Caleb Peterson "has a chance."
Kendrick Singleton is another rookie wide receiver that may play his way on the field in one phase or another.
"Singleton's got a chance to play for us some early, because I know he's on some special teams and he's in the two-deep," Fedora said.
There is one freshman who's had a solid camp, however, that the first-year head coach would rather not see in any games this season.
"I hope [quarterback] Kanler Coker doesn't, but I can tell you he's prepared," Fedora said. "He's prepared himself very well, but I don't want that to happen."
Fedora indicated there might be some more freshmen to earn playing time, but the aforementioned names are the ones that came to mind while working down the roster.
** Davis has only been in full pads since Sunday, but he's already drawn plenty of praise from his head coach and players. On Wednesday, quarterback Bryn Renner described the Gaffney, S.C. product as "one of the best freshman receivers I've seen since I've been here, as far as his knowledge of the game and where he needs to be."
On Friday, Fedora veered off course while answering a question about senior wide receiver Erik Highsmith to compliment the 6-foot-4, 185-pound rookie.
"Ever since Quinshad's been back – [he's] made some plays for us," Fedora said. "He is definitely going to be a factor for us this year. And it's great because we're going to need two guys there [at wide receiver]. We're not going to make it with one."
** Speaking of the wide receiver position, Fedora told reporters that he has always played eight receivers during any given game and that approach will hold true again this year.
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