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Wow!! Thank you so much!! By the way, I have two questions for everyone. 1. Can this be altered for a laptop battery? And 2. I saw an instructable on harnessing energy from the ground and air, using a capacitor. Do you think that it can be used to bring batteries back to life? Thanks in advance!
Hi Zubain, Do you think we can do this instructable with laptop batteries? Also (probably more difficult) Do you think we could do this with internal batteries, like iPhone batteries?
Thank you for answering this question!View Instructable »
No, but I just read an instructable about how you can use a capacitor from a camera flash to bring a dead rechargeable battery back to life! So, technically, no, but you can keep your rechargeable batteries alive indefinitely by destroying the crystals that form over time within them, using the capacitor that you charged with free energy from THIS instructable... If I'm incorrect, someone correct me, please.
Yeah... Apparently you can't charge your battery, but you can bring a dead rechargeable battery back to life. I just read an instructable yesterday about using a camera flash capacitor to break apart the crystals that have formed inside dead batteries, to bring them back to life. I wonder if we can use the charging system described here. For that instructable we need an AA battery to charge the capacitor for the shock affecting the dead battery. Actually, the battery that I want to bring back to life isn't in an AA battery. It's a laptop computer battery. Pretty sure an AA battery isn't going to cut it, but I'm wondering what will?...
Me, too!! These guys are all awesome. I live in Japan where no one speaks their mind or shares unbidden information. In this thread, there's so much freely shared information and opinion. It's incredibly inspiring. Thank you, everyone! Especially Mr. Rick! Lol. Without everyone's opinions, life wouldn't be as interesting. For example, where I live... Thank goodness for the Internet!View Instructable »


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Alto saxophonist Lennie Niehaus is better known as the arranger for Clint Eastwood's films, but he has long been familiar to jazz fans as a respected bandleader, composer, arranger, and soloist. This limited-edition audiophile reissue of his first solo recordings (following stints with Stan Kenton and Shorty Rogers) is a stunner. Included is the first 10" LP he recorded with a three-saxophone front line – in this case, with Jack Montrose (tenor), and Bob Gordon (baritone) – and other quintet sessions with musicians including pianist Hampton Hawes, and fellow Kentonite Shelly Manne (who was responsible for Niehaus' record deal with Contemporary's Lester Koenig in the first place).
Like most entries in Universal Music's Millennium Collection (previously the province of MCA Records), The Best of Temptations, Vol. 1: The '60s is a solid budget-line collection containing 11 of their biggest hits from the '60s, including "My Girl," "I Can't Get Next to You," "Ain't to Proud to Beg," and "The Way You Do the Things You Do."

subset: commoncrawl


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The challenge for the new bank CIO. How to achieve customercentricity. better use of six emerging technologies
- Dortha Fowler
- 1 years ago
- Views:
1 The challenge for the new bank CIO How to achieve customercentricity by making better use of six emerging technologies
2 Contacts Florham Park, NJ Ramesh Nair Partner New York Ranjan Tatke Senior Associate This report was originally published by Booz & Company in
3 Executive summary The financial crisis and changing marketplace have created massive disruption in the financial services industry, particularly for banks. To address these challenges, consumer banks must become more customer-centric. This in turn requires new foundational capabilities: capabilities that will help banks distinguish themselves as part of a customer-oriented industry. These include a seamless cross-channel portal with improved customer experience, better access to (and use of) customer insights, custom products and services, and better back-end business processes. Information technology (IT) functions will be increasingly called on to play a key role in developing these strategic capabilities. The IT function will be the gateway to six new enabling technologies. Each offers opportunities for giving customers convenience, control, recognition, and transparency. The technologies are mobility (the use of mobile devices), high-end analytics, big data management, next-generation data processing, cloud computing, and service-oriented architecture. To make use of these key enablers, organizations will need to refine their operating models, governance, data and application management, and technology architecture. An IT road map can integrate these technology enablers into your company s ongoing, planned initiatives. 3
4 Banks must reassess their strategies The financial crisis and changing marketplace have created massive disruption Limited growth opportunities and regulatory constraints are now familiar The customer base has eroded, as traditional banks increasingly compete with nonfinancial services organizations: PayPal, Mint, Prosper, etc. Most banking products (other than wealth and payment) have reduced operating profits Revenues have steadily decreased in an extremely competitive market To address these challenges, consumer banks must become more customer-centric This in turn requires new foundational capabilities: A seamless, cross-channel portal (with improved customer experience and interface) Better access to (and use of) insights about consumer needs and preferences Better platforms for custom products and services A holistic view of the customer A back-end platform for managing the product and service portfolio Efficient back-end business processes and infrastructure management 4
5 and IT plays a key role in developing the requisite capabilities The IT function should provide comprehensive, strategically oriented technology enablers: Mobility to enable always-on connection to clients, customers, and employees High-end structured analytics to provide full-population, real-time, deep customer insights Management of big data to process large, unstructured data from social media and other sources Next-generation data management systems for agile processing of multi-format data and to integrate unstructured and structured data Cloud computing for infrastructure, data, analytics, and applications Service-oriented architecture to enable data and functional service reusability To make use of these key enablers, organizations will refine their operating models, governance, data and application management, and technology architecture An IT road map can integrate technology enablers into your company s ongoing, planned initiatives 5
6 Disruption: The shrinking of bank profit pools, Margin (%) Operating Profit Margin F Bubble Size = Operating Profit 70% 60% Commercial Mortgage 5 50% 40% 30% 20% 10% 0% Commercial Loans 3 Consumer Loans 4 Credit Cards Wealth Revenue Growth (CAGR) Profit Growth (CAGR) % % F 1.2% F -1.1% Residential Mortgage 6 Payments 7 Deposits $10 $20 $30 $40 $50 $60 $70 $80 $90 $100 $110 $120 $130 $140 $150 Bank Revenue 1 (US$ billion) = $5B = $25B = $50B 1 Excludes insurance (life, property and casualty, etc.) and capital markets 2 Excludes loan loss provisions, nonrecurring gains or losses, and income taxes 3 Excludes commercial real estate 4 Includes home equity lines of credit, auto loans, student financing, and other consumer lending products; excludes mortgage and credit cards 5 Includes originations, holdings, and servicing of multifamily, commercial, and farm mortgages; excludes securitization 6 Includes originations, holdings, and servicing of 1- to 4-unit residential mortgages; excludes securitization 7 Includes interchange fees from credit and debit card transactions, in addition to fees from cash management, online payment processing, global trade, and wire transfers Source: Federal Reserve; FDIC; Nilson Report; Mortgage Bankers Association; Financial Services Fact Book 2010; analyst reports; industry newsletters; news articles; annual reports; analysis 6
7 Banks seek to grow through customer-centric strategies Customers Need Convenience They Want Control They Deserve Recognition Transparency Easier access to and use of accounts, products, and services Freedom to move between fully functional, technology-enhanced mobile channels 24/7 ability to conduct transactions and access information Ability to control the end-to-end experience Convenient access to make informed trade-offs Hassle-free flexibility, so customers can rethink their choices during (and after) the purchase decision Multiple levels of assistance online and in person A more pronounced personalized banking experience Products and services tailored to fit customers particular financial and personal needs Personalized experiences based on customer segments In-depth understanding of value proposition and the fine print Features and prices of offerings explicitly compared to market Clear communication of fee structures, terms, restrictions, and deadlines Key Business Drivers Improved market share Mobile and other new channels Broader reach Use of social media Segmentation More human touch for premier customers Lower-cost channels for selected customers Increased share of wallet Personalized products and services Seamless interaction and assistance across channels Improved delivery Increased speed-to-market Reduced cost of solutions Source: analysis 7
8 To make this approach work, banks need new IT capabilities Front Office A seamless, cross-channel portal Rich, elegant interface; personalized for client preferences Integrates sales, service, origination, and third-party products and services Better customer experience and user interface Better access to customer insights Portal and other means to gather data on customer behavior, product/channel usage, and risk Real-time analytics to predict next best offer for the customer Optimized lead distribution Middle Office Back Office Better platforms for custom products and services Easy configuration of products and services based on customer responses to the front-end portal Underwriting and custom pricing, making use of deep customer insights A holistic view of the customer Integration of transactional and behavioral data from sources inside and outside the bank Data collected across lines of business to create a single customer profile Linkage between relational data and unstructured data from social media, websites, etc. A back-end platform for managing the product and service portfolio The ability to quickly define products on the platform and provide inputs to transactional systems Clean product master providing inputs to front-end, middle, and back-end systems Efficient business processes and infrastructure management Reusable services, improved speed-to-market, reduced costs for delivering services Ability to easily scale up or scale down infrastructure capacity Ability to manage large volumes of customer and transaction data Source: analysis 8
9 Six emerging technological enablers can help develop these IT capabilities 1 Mobility 2 High-End Analytics 3 Big Data Management 4 Next-Generation Data Processing 5 Cloud Computing Source: analysis 6 Service-Oriented Architecture 9
10 Each plays a role in helping IT build out the bank s overall strategic capabilities Key Capability Enablers Front Office Middle Office Back Office Consumer Banking Seamless, crosschannel portal Better access to customer insights Better platforms for custom products and services A holistic view of the customer A back-end platform for managing the product and service portfolio Efficient business processes and infrastructure management Mobility High-End Analytics Big Data Management Next-Generation Data Processing Use of mobile devices Anytime, anywhere connectivity Full population analytics Real-time consumer insights Analytics embedded into business processes (risk management, marketing, sales) Data derived from customer banking Data derived from external sources (such as social media) Integration of relational and unstructured data from multiple sources and formats Changes in data architecture and governance Specialized database management systems (columnar) to manage data from disparate sources Data-driven business intelligence Agile data processing 5 6 Cloud Computing Service- Oriented Architecture Supporting Enablers On-demand, standardized infrastructure, platform, processes, and services External on-demand services (such as analytic computing) Service-based technology architecture Reusable, plug-and-play services Source: analysis 10
11 Early adopters of these six enablers are demonstrating their potential for FS Technology Enablers Critical Breakthrough Success Story 1 Mobility Widespread acceptance of touch-sensitive mobile devices (smartphones, tablets) Increased adoption of new technologies (near field communication, speech/facial recognition) enabling mobile commerce PNC has developed a virtual wallet, with features (mobile banking, calendars, savings plan) designed for Gen Y customers 2 3 High-End Analytics Big Data Management Fast, agile data-processing capability that can process full population data without database manipulations New integration mechanisms (such as Web services) and interfaces to deliver real-time analytics Ability to manage increased volume, velocity, and variety of data from social media, digital, and other channels using distributed parallel processing Foursquare provides real-time, social graph based offers on mobile devices or on website, based on full population data analysis Hadoop MapReduce is being used for sentiment analysis by trading institutions. The platform measures sentiment about specific stocks by following trends on social media channels 4 Next-Generation Data Processing Commercialization of new database management systems (for example, columnar data) Technologies to connect structured, relational data with unstructured data Analytic application in Morgan Stanley combines more than 10,000 dimensions of structured and unstructured data from five ERP applications to provide unified customer data view to sales force 5 Cloud Computing Increased adoption of SaaS-based applications, including analytics, from different vendors (such as Salesforce.com) Ability to provision application development platforms over cloud, in addition to infrastructure Visa is using cloud computing to access fraud data models (from Google) that use 36 terabytes of data this cuts down model building time from one month to 13 minutes 6 Service-Oriented Architecture SOA services at Credit Suisse have resulted in cost reduction and service quality improvement Credit Suisse began implementing SOA in 2007 Source: analysis 11
12 Smartphones are increasingly positioned as e-commerce platforms 1 Mobility Projected Mobile Commerce Growth % Projected Revenue (US$ billion) U.S. e-commerce U.S. mobile e-commerce Note: E-commerce includes mobile media and content, retail, travel, coupon/deals, and services. Source: Forrester Research Mobile Commerce Forecast: 2011 to 2016 (U.S.) 12
13 Analytics are key drivers for decision-making processes in banks 2 High-End Analytics High Fraud Risk Management Sophistication Servicing Channel Management Sales Force Management Marketing Investment Loyalty Cross-Selling Low Product Innovation Portfolio Planning Acquisition Low Extent of Use High Low Application Medium Application Source: research 13
14 The data available to banks has dramatically increased 3 Big Data Management 1,400 1,200 1, Complex, unstructured large data Relational, structured data CRM Financials Logistics Data marts Structured Data Inventory Sales records HR records Web profiles Documents Web feeds System logs Complex Data SharePoint Sensor data Data archives Online forums Images/video Technical Implications of Big Data High-speed processing to manage the large volume of data Structured and unstructured data in combination Highly scalable platforms on commodity computers or cloud infrastructure Multiple tools to manage data processing based on open source technologies Tools that access big data through familiar query language like SQL Graphic design layers to minimize coding Note: For example, Yahoo s big data implementation consists of 100,000 CPUs and 40,000 commodity computers. Source: Cloudera; 14
15 Few banks have the requisite database management systems in place 4 Next-Generation Data Processing Surveys of CIOs: What are your plans for specialized database engines (OLAP, columnar databases, warehouse appliances) this year? Expanding/upgrading 15% implementation 14% Implemented, 18% not expanding 16% Technical Implications of Next-Gen DBMS There is increased recognition that roworiented relational database management systems can t meet the new demands New technologies and computation capabilities can support different data architectures Planning to implement in the next 12 months Planning to implement in a year or more 9% 10% 8% 11% Specialized databases are being adopted: To manage high-volume, unstructured, and diverse data structures and attributes To improve speed-to-market insights by eliminating the need for physical modeling and multidimensional cubes Interested but no plans Not interested Don t know 7% 6% 18% 21% 22% 25% At present, four specialized databases are leading the field: Columnar RDBMS In-memory databases Inverted databases Associative index databases Source: Enterprise and SMB Software Survey, North America and Europe, Q4 2009; Forrsights Software Survey, Q
16 Cloud computing can reduce costs and improve speed-to-market 5 Cloud Computing Worldwide IT Spending ($US billion) IT Cloud Service On-Premise IT 493 Observations on the Cloud Cloud services are growing much faster than internally hosted IT in 2012, 25% of net new IT spend growth will come from cloud services Multiple vendors provide infrastructure as a service, used by the financial services industry to augment in-house infrastructure SaaS (on-demand software) has evolved as a generally accepted deployment model for CRM/HRM apps in financial services - SaaS subscriptions account for 39% of total apps revenue in HRM - SaaS expected to grow at 15% CAGR through 2014 SaaS expanding to financial and ERP systems as customization, upgrade, data security, and maintenance limitations are being addressed Total Platform as a service (PaaS) enables partner ecosystems Reduces coding effort, with model-based configuration and BPM Enables apps to be built more rapidly than with proprietary tools Improves SaaS adoption by providing additional extensibility Source: 16
17 Banks are adopting SOA, but without an enterprise strategy for it 6 Service-Oriented Architecture Annual survey of CIOs: What are your plans to pursue SOA? % Respondents SOA s Potential Value 40% 35% 30% In financial services, SOA penetration is high (close to 80%), but most firms don t have an enterprise-level strategy 25% 20% 15% 10% 5% 0% Not pursuing SOA Plan to pursue SOA in 12 months Organizations need to place SOA inside a broader architectural context that enables key IT capabilities: In-house or cloudsourced data services for complex analytics and customer insights External and internal services to improve the customer value proposition Customer-facing business processes using services like compliance and security validation Use SOA without enterprise-level strategy Use SOA and have an enterprise-level strategy Note: Numbers may not add up to 100% because of rounding. Source: Enterprise and SMB Software Survey, North America and Europe, Q and Q4 2009, and Foresights Software Survey, Q
18 Each bank should define its own distinctive mix of ITenabled capabilities Enablers Architecture Technology Data & Applications 1 Mobility Separation of user interface from back end as enterprise applications are accessed by multiple customer devices Migration to Web-centric tools that reduce dependency on specific devices and platforms To provide a full range of functions on mobile channels, build infrastructure to support apps, and use cloud-sourced services 2 High-End Analytics Infrastructure strategy to enable full population analytics Data architecture for real-time context-aware analytic insights Database and infrastructure to support in-memory processing A data strategy to support high-end analytics and insights based on recurring customer events 3 4 Big Data Management Next-Generation Data Processing Enterprise data warehouse and analytic data structure enhancement to accommodate unstructured data from multiple external providers Data, query, and analysis architecture to support new database constructs Platforms (Apache, LexisNexis), tools (Hadoop, MapReduce), and delivery strategies (in-house vs. cloud) for big data management Integrated data architecture to manage relational data with new data structures (columnar or inverted DBMS) Access to critical data sources (such as social media) needed for customer and process insights Refinement of data integration processes and tools to integrate unstructured data with relational data Deployment of data warehouses and downstream applications to bring together traditional RDBMS with new columnar or inverted data 5 6 Cloud Computing Service-Oriented Architecture Source: analysis Cloud strategy (private, public, hybrid) aligned with business needs Loosely coupled architecture that can facilitate cloud sourcing of infrastructure, platform, application, or data services with minimal impact to internal systems Refinement of the SOA implementation approach to weave in mobility, high-end analytics, big data management, and nextgeneration data processing Cloud services that support mobile payments and complex analytics Cloud-based platforms to enhance app development capabilities Refinement of the enterprise technology strategy to ensure support for service-based interoperability Cloud-sourcing SaaS apps for CRM, HRM, and ERP capabilities Data sensitivity classifications to design clouds with appropriate security Common services to be provided to front-, middle-, and back-office applications by aligning SOA strategy with enterprise business model 18
19 and adjust IT budgeting, operating model, and governance accordingly Enablers IT Budgeting Operating Model Governance Mobility High-End Analytics Big Data Management Next-Generation Data Processing Cloud Computing Service-Oriented Architecture Source: analysis Budget allocation to support new technology platforms (mobile, unstructured data analytics) and devices needed to develop new capabilities Budget balancing across mobility platforms (to ensure that all customers have access) Optimal spend to support multiple analytic and data-processing application implementation (no single app or technology can support the needs of any major customer-facing enterprise) Proof-of-concept fund to test new tools and technologies before developing rollout plans On-ramp/off-ramp investment strategy to develop mobility, analytics, and other capabilities from the ground up and refine investments based on value realization Operational budget allocation for cloud-sourcing infrastructure and platforms New sourcing models to facilitate new IT capability development Pay-as-you-use models for cloud-sourcing Risk- and reward-sharing models with partners providing mobility and analytics/data-processing capabilities PMO framework and horizontal management processes to achieve synergies between operational initiatives and initiatives related to new technology Shared services and governance structures to manage development of emerging platforms (this is critical for mobile, analytics, and big data management) Optimal resource mix (including IT outsourcing and offshoring) to procure critical skill sets and knowledge needed to support emerging technologies Defined development approaches and infrastructure standards to reduce incoherent proliferation across the enterprise for the emerging enabling technologies OLA/SLAs for internally and externally hosted application and data services Corporate policy revisions, keeping in mind adoption of new mobility devices Data security (customer consent, encryption, entitlements) to meet compliance and customer service needs Information governance refinement for big data: compliance monitoring plan and security policies related to unstructured data Clear governance structure for cloud computing and SOA Rules and structure to determine what can be cloud-sourced Standards to develop interoperable services Decision rights for individuals in the IT organization Clear policies and control rights for information dissemination and download into external channels (for example, insights pushed onto mobility platforms outside the organization s firewalls) 19
20 CIOs should augment existing initiatives with new technology enablers Enterprise Initiative Some Illustrative Scenarios Customer/Employee Portal Explore mobile channels to roll out a portal for customers and employees Use SOA to define services to be offered by the portals Make cloud-based third-party products and services available on the portals Consolidated Customer Views Capture customer data using mobile channels Deploy next-generation DBMS to store and manage unstructured data New CRM Platform Explore hosting of CRM platform in the cloud Integrate operational analytics with CRM modules to aid sales interaction Provide full range of functionalities on mobile devices for field users Analytics & Insights Use new analytic tools to process a high volume of data to deliver customer insights Define context-aware insights to mobile channels Enterprise Data Platform & Warehouse Use appliances like Teradata and Netezza to manage big data Explore hosting of the data platform in the cloud Third-Party Contract Management Refine third-party contracts for cloud-based infrastructure, platform, data, and applications Source: analysis 20
21 is a global team of practical strategists committed to helping you seize essential advantage. We do that by working alongside you to solve your toughest problems and helping you capture your greatest opportunities. These are complex and high-stakes undertakings often game-changing transformations. We bring 100 years of strategy consulting experience and the unrivaled industry and functional capabilities of the PwC network to the task. Whether you re charting your corporate strategy, transforming a function or business unit, or building critical capabilities, we ll help you create the value you re looking for and impact. We are a member of the 157 countries with more than 184,000 people committed to delivering quality in assurance, tax, and advisory services. Tell us out more by visiting us at strategyand.pwc.com. This report was originally published by Booz & Company in PwC. All rights reserved. PwC refers to the PwC network and/or one or more of its member firms, each of which is a separate legal entity. Please see structure for further details. Disclaimer: This content is for general information purposes only, and should not be used as a substitute for consultation with professional advisors. 21
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text:
Simulation of Social Networks to Maximize the Prevention and Treatment of Alcohol Use Disorders
Please use this identifier to cite or link to this item: http://hdl.handle.net/1928/24560
Simulation of Social Networks to Maximize the Prevention and Treatment of Alcohol Use Disorders
Hallgren, Kevin
McCrady, Barbara
Committee Member(s)
Caudell, Thomas
Tonigan, J Scott
Witkiewitz, Katie
Tonigan, J Scott
Witkiewitz, Katie
University of New Mexico. Dept. of Psychology
Degree Level
Introduction: Previous studies have found associations between alcohol use and having heavy-drinking social networks. This association is thought to be caused by (1) social influence, where one's social network influences his or her drinking, and (2) social selection, where an individual forms relationships with individuals who drink at similar levels. These processes are reciprocal and, when acting simultaneously, create a feedback loop with non-linear dynamics. Computer simulations have allowed complex systems to be modeled in many scientific fields; however, this method has not yet been used to study the dynamic associations between social networks and alcohol use. Method: The present study used computer simulations to model changes in drinking and social networks. Stochastic actor-based social networks were simulated using RSiena. Social ties between actors and drinking statuses evolved over time according to stochastic Markov processes. Social influence and social selection were each manipulated at three levels (none, medium, and high). Results: Correlations between actor drinking statuses and the percentage of heavy drinkers with whom actors shared social ties were approximately zero when neither social selection nor social influence were present, were positive but small when either social influence or social selection were medium or high, and were significantly higher when social selection and social influence were both present. Two individual-level manipulations, reducing the target actor's heavy drinking and reducing the target actor's susceptibility to social influence, reduced heavy drinking over time for the individual targeted for intervention. Reducing target actors' heavy drinking also reduced the heavy drinking of other actors not targeted for intervention. Discussion: Simulations of social networks offer a novel method for modeling dynamic associations between drinking and social relationships. These methods may be used to replicate findings from real-world populations and can help generate novel hypotheses involving nonlinear processes that can inform real-world prevention and treatment efforts.
July 2014
complex systems
dynamic systems
social network analysis
complex systems
dynamic systems
social network analysis
- Psychology [78]


text:
VARI chief scientist joins elite ranks of American Academy of Arts and Sciences
Peter Jones, Ph.D., D.Sc., is one of 228 new members elected to this year's class of the American Academy of Arts and Sciences, welcoming him into the company of more than 250 Nobel laureates and 60 Pulitzer Prize winners.
Dr. Jones is the chief scientific officer here at Van Andel Research Institute (VARI). His career traces a path of remarkable firsts—starting with pursuit of epigenetics when few understood its relevance in medicine and there were even fewer willing to embrace this area of research.
Thirty years later, Dr. Jones now leads VARI's Center for Epigenetics and co-leads the Van Andel Research Institute-Stand Up To Cancer Epigenetics Dream Team, which is testing several new treatments for colon and blood cancers, including acute myeloid leukemia and myelodysplastic syndrome.
"I am honored the Academy has chosen to recognize the work we have accomplished," says Dr. Jones. "Strong science is a team effort, and I've been fortunate to work with incredible colleagues over the years. Our research represents a small contribution to a dynamic field that is brimming with creative, brilliant scientists."
Established in 1780 during the Revolutionary War, the American Academy of Arts and Sciences stands among the nation's oldest scholarly institutions with a mission to address social and intellectual issues of common concern.
Dr. Jones' primary research interest is epigenetics—the body's DNA control system—and how it contributes to cancer. He ranks among a handful of scientists who pioneered this field, and his discoveries have ushered in an entirely new class of treatments for blood and solid-organ tumors.
His election to the American Academy of Arts and Sciences comes less than a year after being elected to the National Academy of Sciences, which was founded in 1863 during the Civil War and charged with providing independent, objective advice to the nation on matters related to science and technology. Dr. Jones joins VARI Founding Research Director Dr. George Vande Woude, who has been a fellow of the AAAS since 2006.
We're proud of Dr. Jones' achievements and recognitions, and we're excited to see what comes next for VARI and the Center for Epigenetics.
Read more about epigenetics and Dr. Jones' work here.


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text:
Baby Alexsa, 16x20 Oil on Canvas, Portrait
painting by artist Carmen Beecher
20 in X 16 in (50.8 cm X 40.6 cm)
Oil on Canvas, Portrait
This painting is not for sale. However, I may have other paintings available.
More Paintings by Carmen Beecher
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Reset My Password
This will send a password reset to your email address on file. A reminder that your email address on your account must be valid and working to receive the reset request.
Just parted ways with 00 Cherokee Classic. Best rig I've ever owned to date, It was tough. Upgraded to 05 Grand Cherokee Limited 5.7L HEMI!! It came with a lift and larger meats. Not sure on the lift specs just yet. I Love It so far and I'm new to the forum. Can't wait to get started on the new rig.
Attachment 293837
Attachment 293838


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Home > Product Categories > Pro-Video > Video Over Cat5 & Fiber Extenders > HDMI Over CAT5 Extenders > UHBX-P1
Item #: HRT-UHBX-P1 MFG #: UHBX-P1
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UHBX-P1 is an extender kit from Hall Research that utilizes HDBaseT technology. It can send HDMI, IR, bi-directional RS-232, and PoH (Power-over-HDBaseT) to 500 ft (150 m) on a single Cat6 cable. The extender uses only one +5v power supply, internally creates 48v PoH and complies with IEEE 802.3af handshake.
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HDMI, Bidirectional IR and Rs-232 over HDBaseT with power over Cat6. Power inserted at Sender.
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Hedge-fund Manager Paulson Moving to Puerto Rico?
Unnamed sources speaking with Bloomberg News say the hedge-fund manager is considering relocating to Puerto Rico for tax reasons, to benefit from a new law that the wire says lets new residents pay no local or U.S. federal taxes on capital gains.
The story goes on to relate, via those unnamed sources, that Paulson & Co.would remain in New York:
Paulson, 57, recently looked at real estate in the exclusive Condado...


text:
New Delhi, Feb 15 (PTI) Maharashtra Chief MinisterPrithviraj Chavan today said if the Adarsh housing societybuilding in Mumbai was constructed "illegally" then it shouldbe demolished.
"If the building was built illegally, it should bedemolished," he said at the NDTV Indian of the Year awardshere.
Chavan was appointed as the Chief Minister after hispredecessor Ashok Chavan resigned as his name also surfaced inthe scam.
The Environment ministry has said that the 31-storeybuilding located in Mumbai''s upmarket locality at Colaba, wasunauthorised and had been built after flouting CoastalRegulation Zone (CRZ) rules.
"The unauthorised structure should be removed in itsentirety and the area should be restored to its originalcondition," the ministry had said in its 29-page order.
Several politicians, top defence personnel andbureaucrats and their relatives own flats in the high-risebuilding.
The Adarsh scam hit the headlines late last yearindicating a collusion among the powers-that-be to bend rulesfor constructing the building at a site meant for residentialcomplex for retired defence personnel.
Examining the legality of the housing project fromenvironmental angle, the ministry asked the society to removethe structure on its own within three months.


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A PENSIONER has told how billionaire Donald Trump pocketed his fiver in return for an autograph. Alan Marsh, 66, had his exchange with the US presidential hopeful at the Women's British Open.
The retired garage worker, from Kilmarnock, went to the tycoon's Ayrshire golf course on Thursday hoping to watch the first-round action – only to find he couldn't afford the entry fee.
Read more: http://www.dailyrecord.co.uk/news/scottish-news/donald-trump-nicked-fiver-scots-6184072


text: I have having problems with my Keyboard, which stops working occassionly (when I press a key it gives a click sound through the speakers). Once it stops it will not work until I log off or restart.... however the mouse works perfectly. (I am using Microsoft.... Keyboard & Mouse 7000 off of the same USB device). The only thing that may or may not be connected is this last time I had held down a key for a long time while I was thinking about changing a phrase in a document. I am not for sure that this was the case the other times or not. It is a little frustrating to say the least. GeorgeT


text:
Series: Water Science and Technology Library Volume: 19
This book provides a comprehensive discussion of hydraulic applications to a range of topical environmental issues. Introducing the field of environmental hydraulics, it presents a systematic treatment on stratified flows, water quality hydraulics, waste water hydraulics, and ecohydrodynamics. The chapters are written by leading scientists from around the world, who have long been at the forefront of research in hydraulics as applied to environment and ecology. The depth of coverage is more detailed than can be found in any other published book. This book is of use to faculty members, graduate students, and researchers engaged in environmental modeling. Civil, environmental, hydraulic, and water engineers engaged in environmental planning and management will find it to be of considerable value.
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1200 miles later, four guys and a dog complete their walk to Brazil for the World Cup
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Marco Werman: In Brazil, World Cup madness is striking a lot of people recently, including 3 young Englishmen who decided to walk to the World Cup in Brazil from Mendoza, Argentina. We profiled them back in January. The plan was to travel exactly 1,966 kilometers by foot. Get it? 1966, as in the last time England won soccer's greatest prize. But let's be honest, back in January I kind of doubted these bar buddies would actually walk that distance, which comes out to about 1,200 miles. Tell you what, let's ask one of the guys. So, Adam Burns, did you make it?
Adam Burns: We did indeed, yes, we arrived at the Estádio Beira-Rio in Porto Alegre yesterday at 2PM. It was a very emotional end to what's been an epic adventure.
Werman: You got a lot of attention along the way, including at one point from Nike, who sent you head-to-toe uniforms for the English national team, but more importantly attention from a little dog. Tell us about this crazy story.
Burns: We did. So, we were walking through Solis in Uruguay, which is right on the coast. What we thought was a stray dog, because he smelt so bad, started following us. It was a black Labrador. We walked about another 5 kilometers, he was still there. We stopped in a cafe and he got under our table. We tried to shoo him away and we just couldn't get rid of him. That was 5 weeks and 800 kilometers ago and Jefferson - we named him Jefferson Ramsay Moore - he completed the whole thing. The twist in the tale at the end, I don't think Walt Disney could have written a more perfect ending, 3 days before we were finishing our trip, we were contacted by a Uruguayan guy called Nacho who said he was the owner of Jefferson and he'd seen our story. Nacho then hitchhiked all the way from Solis in Uruguay to Porto Alegre to arrive on the same day that we did on the Estádio Beira-Rio. It was a very emotional reunion between the two yesterday. Jefferson was going crazy, he obviously remembered Nacho very fondly. Nacho has had him for 6 years. It was a perfect, perfect ending for us.
Werman: What a great, sweet story that is. Adam Burns, one of three Englishmen who have actually walked to the World Cup from Argentina, just like they said they would. You can see pictures from the group's journey on foot from Mendoza, Argentina to Porto Alegre, Brazil at PRI.org/WorldCup.


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4 Day Wonder Cruise
Sail Date: December 01, 2009
Reviewed: 7 years ago
Traveled As: Couple
Room Type: Oceanview
Pros: SERVICE SERVICE SERVICE
Cons: Had to leave
Recommends Disney Wonder? Yes!
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|Food and Dining
|while THE food is average the service was excellent and hot food was hot and cold cold. Changing dinning areas nightly keep Decor fresh and service keen as staff moved with you.
|Ship Quality
|Variety and options average as main shows have been the same for years. BUT quaity of performers and staging is excelent.
|Service and Staff
|On last night @ 11pm we went to call for a wakeup for next day, and we found out our phone did not work...our cabin steward was outside our door and we told her the problem and she said she would get phone corrected BUT she would personally knock on our door @ 6am WHICH she did! .


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Proudmoore alliance, i play 10+ hours a day can supply you with mounts/bags/ and a 25 guild that does rbgs and raids and anything in between. I am offering 15k gold when I get the mount. Am interested in lvling as many toons to 80 as possible also want to lvl a few horde toons on Illidan. You have to provide your own keys and game time and ill provide the time/gold.
Please PM me if interested.


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I wrote this article for Women's Divorce.com as a resource for families who are going through divorce.
My parents divorced when I was 3. I was the only child of that marriage and both of my parents remarried within two years. Of course, it was a rough time, but I had lots of support. We saw family counselors and private therapists and I always felt emotionally supported as we developed the weekly switching and splitting up the holidays and birthdays.
Yet, looking back, I realized that the hardest part for me was the everyday aspect of living in two families and switching houses. It inspired me, as a now 22 year-old, to start working with recently divorced families on setting up their houses and schedules to streamline and avoid the common pitfalls. Kids who are experiencing divorce, love talking to a younger non-therapist figure who has been through what they are going through.
Here, I was hoping to give you some of these tips I share with my clients to make your life a little bit easier.
1) Get Doubles of Everything
I know that this seems expensive, but really it makes everything so much easier when you get doubles of everything. Here are the essentials that people do not usually think about. I always had a big bag that I took with me and it was stressful to have to 'pack' every week.
-Cell Phone Charger
-Computer Charger/iPod charger
-Underwear, socks, boxers, bras
-A few nice shoes/a nice outfit (just in case you have an event at either house)
-Running Shoes
-Two sets of textbooks
-School supplies (full desk set-up at each house makes it easy to do homework in both locations)
-toothbrush, toostpaste, shampoo, razors, facewash, soap, lotion, etc (no need to lug these back and forth)
2) Make a Launching Pad
You need to make a central place where everything is set up, which I call a launching pad. In the launching pad you will have one small bag or tote where your child can always pack the weekly things they need. Then on the wall or in the bag I laminate a full list of everything they always need to bring over with a little marker pen for them to mark it off as they pack, so they never forget anything when switching houses for the weekend or every week. (this takes a lot of anxiety out of the process to know you will have everything on a list)
___Gym Bag
___Permissions Slips for school
___Cell Phone
___Weekend clothes
Also have a blank laminated piece of paper (this can also be a white board) where they can write things they need to remember that are special for that week (such as an outfit for the dance, equipment for a traveling sports game etc). I often would remember things in the middle of the week and by Sunday night (when I switched) I could not remember what I needed.
3) Send Out a Memo
Many families choose to not 'send out a memo' to everyone in their lives about their divorce, either for privacy reasons or to not make it harder on their kids. But I found it really difficult to have to constantly explain the new situation to people and deal with their reactions. This is a big burden, so do try to tell people that your kids will encounter so they do not have to.
Also, I wish my parents had told all of my new teachers/ coaches/ tutors every new school year that I switched houses. For school plays, or in-class birthday parties I had to explain "oh, I need four tickets for my parents because they are divorced" Or, "its my moms turn to bring in cupcakes so can we have my food day be on a week I am at her house…" This always caused a lot of anxiety and can be handled by parents going in and having a meeting with the school or teachers at the beginning of the year and explaining the situation.
4) Find Other Young People
The few times I encountered other young people who had gone through divorce it was like a breath of fresh air. It was always nice to talk to people who were slightly older than me who had gone through what I was going through. They told me that it would be ok, or what they found it frustrating, and it was just nice to hear! So, if you can find other teens or young adults who have been through divorce, try to set-up a hang-out time or dinner with them and your kids; they might be able to open up in ways they would never to you or a therapist.
No matter what, tell them that you love them, it is not their fault and you are trying to make a difficult situation as easy as possible.
Please do consider sending this article to friends going through divorce! And be sure to send them to Women's Divorce.com where there are tons of great resources and articles.


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FLAGSTAFF, Ariz. – One week after taking on Arizona and Hawaii, the Northern Arizona swimming & diving team will settle in to a more relaxed atmosphere with their annual Blue vs. Gold meet on Friday at 2 p.m. in the Aquatic and Tennis Complex. The intrasquad meet will be a 12-event order with the Lumberjack roster split into two teams competing in a dual meet setting.
"Blue and Gold is a fun meet and it's another opportunity to race," said head coach Andy Johns. "I think some of the girls were nervous last week, and this week there shouldn't be the nerves. We want to clean up a lot of the little things and we want to see some aggressiveness in the front half of their races. I want them to race in a little less stressful situation and to just relax."
During last Saturday's season-opening double dual, the Lumberjacks collected three overall event wins led by this week's WAC Swimmer of the Week, junior Alina Staffeldt's win in the 200 butterfly. Senior Urte Kazakeviciute and sophomore Tanya Kurach claimed victory in the 200 butterfly and 3-meter diving respectively. NAU also had several other standout individual performances despite suffering team losses to both Arizona and Hawaii including junior Kimmy Richter earning a set of third-place overall finishes in the 1,000 freestyle, 500 freestyle and 200 fly. On the boards, sophomore Christina Torrente placed fourth overall in both diving events.
Friday's Blue vs. Gold meet will split the team's allegiances in half during the friendly dual with senior Sara Lenhoff (Blue) and Kazakeviciute (Gold) picking the teams. The Blue team roster will feature juniors Claire Hammond and Roni Houck and sophomore Monique King appears to give them the edge in the freestyle events. Junior Audrey Mann also resides on the Blue team as the team's top individual medley swimmer thus far.
On the Gold team, they will counter with NAU's top breaststroker and butterflier in Kazakeviciute and Staffeldt. Richter provides the Gold team with a boost in the distance freestyle, while also adding in sophomore Andrea Schmidt for the sprint freestyle and butterfly and freshman Fernanda Montiel, who was the Lumberjacks' top finisher in both backstroke events last week.
The five Lumberjack divers will also see time in the meet's two springboard events after an impressive season debut last weekend. Aside from Kurach and Torrente's efforts, senior Alexa Geiger rebounded from an early season injury to place fifth overall in the 1-meter competition. Meanwhile, sophomores Raquel Gonzales and Olivia Payne look to build on their first competition of the season on Friday.
"I hope our consistency gets better," said diving coach Nikki Huffman. "To be honest, this week we got back to basics and fundamentals to retune. Blue and Gold is a chance for us to compete again which is always good. I'm happy with what've done so far, and after Friday we'll push our optionals and our harder divers over the next two weeks to get ready for New Mexico."
Geiger and Torrente are slated to compete on the Blue team, while Gonzales, Kurach and Payne are lined up on the Gold squad.
Last season, the Blue team dominated by winning eight of the 12 events to post a 60-44 victory. Returning event winners include Richter (200m free), Houck (50m free), Staffeldt (150m fly), Kazakeviciute (150m breast) and sophomore Logan Neal (100m free). Richter, Staffeldt and Kazakeviciute all swam for the winning Blue team.
The Blue vs. Gold meet will be free for all fans to attend and is part of NAU swimming & diving's Alumni Weekend. For more information regarding the weekend's activities, in conjunction with NAU Homecoming, please click HERE.


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The new boutique hotel features 55 spacious and luxuriously furnished rooms and suites, catering for stylish travellers who appreciate design, technology and personalised services. This is a non-smoking hotel with large windows and high ceiling, with plenty of natural sunlight in room. Guests can enjoy free Wi-Fi, buffet breakfast, minibar and local calls in the hotel.
The hotel is conveniently located between the bustling Central and Sheung Wan area, covered by an excellent transportation network, with the Macau Ferry Terminal, Airport Express HK station and MTR all within easy walking distance. Moments away from the finest shopping and dining, premium offices, Lan Kwai Fong and SoHo, the parties and entertainment areas.
The hotel's loft-like rooms and suites all have the seductive qualities of high ceilings, large windows that open and abundant natural light. Every room in the hotel offers guests a non-smoking space, with air conditioning, an en suite bathroom with bathrobes and a hairdryer, a direct dial telephone, satellite/cable TV with in-house movies, a desk, Internet access, a safe and a minibar.
The hotel has an outdoor swimming pool and gym.
Located on two levels of the hotel, the open restaurant is under the leadership of world-renowned chef Jean-Georges Vongerichten. The atmosphere of dining in a casual family kitchen is created by communal dining tables and a spacious open kitchen plan. The restaurant is comprised of a 40-seat street-level caf� adjacent to the hotel lobby, and a 160-seat lower-level main dining room that lies beneath Soho's signature cast-iron and glass sidewalks, with original brick walls, rich wengewood furnishings, banquettes and bar area seating.
American Express, Diners Club, MasterCard and VISA are accepted as methods of payment at this establishment.
It takes 10 minutes to get to the hotel from Seung Wan MTR Station, by using exit A2, going down Hillier Street and crossing Wing Lok Street until reaching Bonham Strand. After crossing Bonham Strand and walking down to the end of Mercer Street, the hotel can be easily found on the left-hand side.
Room Facilities:
Direct dial telephone
Satellite cable TV
Internet access
Tea Coffee
Iron and board
Double bed
Individual airconditioned
Wheelchair accessible
Disabled bathroom


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Pediatricians Split on Down's Syndrome Surgery
Bibliographic Citation
Modern Medicine 1976 June 1; 44(11): 31
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Parental Consent to Cosmetic Facial Surgery in Down's Syndrome Jones, R.B. (2000-04)It is suggested that the practice of attempting to normalise children with Down's syndrome by subjecting them to major facial plastic surgery has no therapeutic benefit, and should be seen as multilating surgery comparable ...
Resources, Down's Syndrome, and Cardiac Surgery: Do We Really Want "Equality of Access? " Savulescu, Julian (2001-04-14)


text: And as you're preparing for the holidays, download our Holiday Helper guide and the Kitchen Safety Checklist to ensure you're ready for a happy and healthy holiday.To learn more about the Home Food Safety program, visit www.HomeFoodSafety.org, or download the free Is My Food Safe? app for mobile devices. For media interviews with registered dietitian nutritionists, contact email@example.com. The Academy of Nutrition and Dietetics and ConAgra Foods' Home Food Safety program is dedicated to raising consumer awareness about the seriousness of food poisoning and providing solutions for easily and safely handling food in their own kitchens. More information can be found at www.HomeFoodSafety.org. The Academy of Nutrition and Dietetics (formerly the American Dietetic Association) is the world's largest organization of food and nutrition professionals. The Academy is committed to improving the nation's health and advancing the profession of dietetics through research, education and advocacy. To locate a registered dietitian in your area, visit the Academy of Nutrition and Dietetics at www.EatRight.org. ConAgra Foods, Inc., (NYSE: CAG) is one of North America's largest packaged food companies with branded and private branded foods found 99 percent of America's households, as well we are a strong commercial foods business serving restaurants and foodservice operations globally. Consumers can find recognized brands such as Egg Beaters®, Healthy Choice®, Hunt's®, Marie Callender's®, Orville Redenbacher's®, and many other ConAgra Foods brands, along with food sold by ConAgra Foods under private brand labels, in grocery, convenience, mass merchandise, club stores and drugstores. ConAgra Foods also has a strong commercial foods presence, supplying frozen potato and sweet potato products as well as other vegetable, spice, bakery and grain products to a variety of well-known restaurants, foodservice operators and commercial customers. For more information, please visit us at www.conagrafoods.com. SOURCE Academy of Nutrition and Dietetics


text: Mastered by Gus Skinas of Sonoma Records and produced by Mickey Holuhan of Wind Over The Earth, this acoustic DSD PURE recording was commissioned by the Denver Museum of Outdoor Arts for their premiere multimedia "Color of Sound" presentation. Color of Sound is a live-in-studio abstract improve stereo and surround recording of the musicians' interpretation of various colors. The recording contains no edits or overdubs and is an excellent rendition of the live studio performance and was recorded live to the Sonoma DSD PURE recording system.


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Anyone who owns a Honda knows that when it comes to maintaining their car, truck, or SUV only the most superior replacement parts will do. Honda car, truck, or SUV enthusiasts have become used to a certain level of fuel efficiency when driving their Civic around town. Make no mistake, you bought your Civic because you knew that you wanted long-lasting quality and dependability both impeccably combined into one vehicle. When your Honda Civic left the factory, it was destined for a driver who values driver satisfaction in their automobile.
The performance of your Honda Civic is the result of an evolved suspension. A key ingredient for optimum stability is a good control arm. All modern vehicles have independent front suspension, which means that control arms give way for each wheel to travel vertically as it needs to. And since the king pins have been eliminated from beam axle suspensions, your Honda Civic control arms use ball joints to pivot the spindle.
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These Isabel Marant shorts are rendered in a neutral hue with a flared construction.
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Gold miners hedge in Q1, big sales unlikely: report
Gold miners turned to net hedging for just the second time in five years in the first quarter of 2011 but are not expected to make a concerted return to selling their production forward this year, metals consultancy GFMS and Societe Generale said in a quarterly report on Tuesday.
The first quarter saw 0.19 million ounces (6 tonnes) added to the global hedge book, which stood at 4.88 million ounces (152 tonnes) at the end of March.
It was the first quarter of net hedging since Q2 2010 and a rare break from consistent de-hedging dating back to the start of 2006.
Swedish producer Boliden was the largest hedger, adding 0.33 million ounces (10 tonnes) of forward sales in the first quarter.
Hedging involves agreeing to sell future production at a pre-determined price to lock in a guaranteed price for the metal, which is a boon to companies in times of declining gold prices, but can sting a producer in a rising market.
The spot price of gold is near record highs above $1,625 an ounce, having risen by over 15 percent this year on the back of concern over the impact to the global economy from the European debt crisis, the slowing U.S. economy, unrest in the Middle East and the effect of inflation in China.
The gold price is set for its 11th consecutive annual rise, having more than doubled in the last five years, when the global hedge book accounted for nearly 20 million ounces of production sold forward.
GFMS and SocGen said one of the key differences with the hedging in the first quarter of this year was the use of options contracts -- which give their holder the right but not the obligation to deliver material at a pre-determined price and date -- as opposed to simple forward sales.
"While the industry as a whole appears to be less vehemently opposed to hedging than was the case a couple of years ago, we note that most hedging is still being undertaken over a short to medium timeframe: little hedge cover extends beyond 2013," the report said.
GFMS and SocGen added that Boliden, Japan's Sumitomo and Mexico's Penoles accounted for the bulk of any longer-term hedging.
The report showed that the delivery schedule of the hedge book indicated that in 2011 there are 0.78 million ounces (24 tonnes) of forward sales and 0.24 million ounces (7 tonnes) of options positions against which delta-hedging will be closed by end-year.
GFMS and SocGen said given the size and composition of the hedge book, they have revised their estimate for net de-hedging for 2011, to forecast 0.80 million ounces (25 tonnes) of de-hedging, leaving the total book at 3.88 million ounces, or 121 tonnes, at end-December 2011, compared with 4.86 million ounces last December.
Last year South Africa's AngloGold Ashanti, the world's third biggest gold miner, closed out the last of the large hedge books, buying back some 1.33 million ounces in the final three months of 2010.
The only major producer to engage in de-hedging in the first quarter of this year was Canada's Kinross Gold Corp, which bought back the last of its outstanding hedge contracts dating from its purchase of Bema Gold, removing 0.09 million ounces (3 tonnes) from the market, the report said.
Mexican miner Minera Frisco was one of the producers whose bottom line suffered as a result of the hedges it put in place earlier in the year, when it hedged most of its production through 2013 and 2014 but locked in prices below the rallying commodities markets, missing out on bigger profits.


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"Each day I live I want to be, a day to give the best of me."