text:
Wicker Park
1425 N. Damen Avenue Chicago, Illinois 60622
(312) 742-7553
Fee: Free
Age Range: Any
Earth Girls Are EasyA trio of fuzzy (and funny) aliens crash land in Valerie's pool-- putting a decided damper on her future wedding plans to cheating Dr. Ted Gallagher. An MTV musical comedy.
Rated PG | 100 minutes | 1989* Closed Captioned
Presented by Charter One, with additional support from RCN.
Underwritten by Wicker Park Advisory Council and The Wormhole Coffee


text:
The Chicago Park District administrative offices and facilities, except for McFetridge Sports Center, will be closed for three days adjacent to the holidays.
The mandatory shut down days are effective:
- Friday, Nov. 23, the day after Thanksgiving
- Monday, Dec. 24, the day before Christmas
- Monday, Dec. 31, the day before New Year's Day
"The Chicago Park District, like countless other local organizations, is faced with challenges resulting from difficult financial times," said General Superintendent and CEO Michael Kelly. "These mandatory shut down days are one of the many measures we took to help balance the 2012 budget."
McFetridge Sports Center in California Park, 3843 N. California Ave., has an indoor ice rink and will be open from 10 a.m. – 5 p.m. this Friday, Nov. 23. Call the center for activities and times at 773-478-2609.
Patrons should contact their local park for hours of operation around the holidays.
« Back

subset: commoncrawl


text:
Quick Facts
Contraceptive Implants
Get the facts about contraceptive implants, including how they work, the benefits and risks, and what types of doctors implant them.
Care Guides
- Urinary Incontinence The symptoms and causes of urinary incontinence or urge incontinence.
- Contraceptive Implants Facts about contraceptive implants; how they work, benefits & risks.
- Erectile Dysfunction Facts about erectile dysfunction (ED), including causes.
- Hysterectomy Why a hysterectomy is performed and different surgeries available.
- Overactive Bladder Facts about overactive bladder (OAB): risk factors, symptoms & causes.
- Prostate Cancer Get the facts about prostate cancer, including the different types.
- View All Care Guides Prepare for your next visit with our extensive library of Care Guides
About Dr. Seyed Khoddami
Dr. Seyed Khoddami, MD is a Doctor primarily located in Ventura, CA. He has 16 years of experience. His specialties include Urology. Dr. Khoddami is affiliated with Ojai Valley Community Hospital, San Buenaventura Urology Center and Community Memorial Hospital. Dr. Khoddami has received 2 awards. He speaks English.
Community Memorial Health System
2705 Loma Vista Rd
Ventura, CA 93003
Get Directions
Dr. Seyed Khoddami has the following 1 specialty
- Urology
A urologist is a physician who specializes in diagnosing and treating conditions affecting the male reproductive system, as well as the urinary tracts of both males and females.
These doctors cover the kidneys, ureter, urinary bladder,...


text:
This website is managed by Luxottica Retail Australia Pty Ltd, and the privacy and security measures applicable to this website are designed with the strictest security in mind, so any personal information that you provide via this website is used only for the purposes outlined herein. This privacy policy tells you how Sunglass Hut collects and uses your personal information, who it shares it with and how you can access, change and remove your information. When used in this policy, depending on the context, "we," "our" and "us" refers to Luxottica Retail Australia Pty Ltd and Luxottica Retail New Zealand Limited in New Zealand, and its subsidiaries, its holding companies (including Luxottica) and subsidiaries of such holding companies, individually and collectively.
There are many ways that we obtain information from you, including but not limited to: (1) via signup on any of our website(s); (2) via signup in a Sunglass Hut store; (3) from an online, email, retail, fax or telephone purchase; (4) from navigational information about where visitors go on our website; (5) when you enter Sunglass Hut trade promotions/giveaways; (6) anytime you submit a business reply, product, or warranty card; (7) upon contacting customer care to request Sunglass Hut communications; (8) people who come into contact with Sunglass Hut, for example, at an event; (9) when you apply for a job with us; and (10) when you contact us via our social media pages (such as Facebook, Blog, Twitter or Instagram).
When you register online to receive our product information, you will need to provide us with your name, address and e-mail address. When you make a purchase through Sunglass Hut's website, you also will need to give us your telephone number and credit card number so we can process your payment and contact you in the event of any problems with delivery. If you contact our customer care department, you may need to provide us with additional information so that we can respond to your questions or concerns as completely and thoroughly as possible. In order to provide users and subscribers with the most efficient and enhanced service and to better understand your preferences, we may request your gender, year of birth, shopping preference and product interest. Whether or not you provide this information is entirely up to you. We also may collect additional non-personally identifiable information (for example, browser version, IP address) which will provide information regarding the general use of our website. The navigational information allows us to see which areas of our website are most visited and helps us improve the quality of your online experience by recognising and delivering more of the most desired features and services.
If you do not provide us with the personal information described above, some or all of the following may happen:
This website is generally directed to individuals residing in Australia. As such, all personal information that we obtain about you will be recorded, used and protected by us in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and this privacy policy. To the extent your personal information is recorded or used by our affiliates in the United States or Europe it is also covered by current United States data protection legislation or European Union data protection legislation, respectively, and any other applicable laws. By providing us with your personal information, you consent to us processing this personal information in one or more of the ways described in this privacy policy. We will primarily use your personal information to provide products and services to you. We may also use your personal information for related purposes, for example:
We may send you direct marketing communications and information about our products and services that we consider may be of interest to you. These communications may be sent in various forms, including mail, SMS and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth) and the Unsolicited Electronic Messages Act 2007 (NZ). You consent to us sending you those direct marketing communications by any of those methods. If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time you may opt-out of receiving marketing communications from us by contacting us (see the details below) or by using opt-out facilities provided in the marketing communications, and we will then ensure that your name is removed from our mailing list.
We may also disclose your personal information to our related bodies corporate, our other business partners and our service providers to give you information and offers about products and services offered by us or these companies.
Please note that by opting out of receiving marketing communications, you may still receive communications from us (such as invoices and notices) in relation to the products you have purchased from us.
A cookie is a small removable data file that is stored by your web browser on your computer. Cookies are only used by us to allow you to use the website in the most efficient manner. Cookies allow you to place an order on our website and allow us to enhance and personalise your online surfing and shopping experience. For example, we use cookies to:
You can choose to have your computer warn you each time a cookie is being sent or you can choose to turn off all cookies. You do this through your browser settings. Please note, however, that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our website. We also work with other companies who use tracking technologies, including web beacons, to serve ads on our behalf across the internet. These companies may collect non-personally identifiable information about your visit to our website about your interaction with our communications, including advertising and e-mails. If you object to web beacons, we recommend that you follow the instructions for deleting existing cookies and disabling future cookies. We will still know how many of our e-mails are opened and we will automatically receive your IP address, a unique identifier for your computer or other access device but we will not identify you as an individual.
Luxottica is made up of many companies all over the world, and different companies have different operations and responsibilities within the larger group. Based on those operations and responsibilities we will share your information with our affiliated companies, who will use that information only in the manner set forth in this policy. We also engage third parties to perform services in connection with the operation of our business. Examples of these services include but are not limited to payment processing and authorization, fraud protection and credit risk reduction, product customization, order fulfillment and shipping, marketing and promotional material distribution, mailing houses, couriers, professional advisors such as accountants, solicitors, business advisors and consultants, website evaluation, data analysis and, where applicable, data cleansing. We may need to share personal information with these third parties so that they can perform these services, however, we limit the personal information that we give to them and authorise them to use this information only for the purpose of performing those services and provided they use your personal information in a manner that is consistent with Australian law. In proceeding with your online order, you agree that both your name and address and those of the delivery name and address (if different) will be checked using third parties such as credit agencies. If you are providing a delivery name and address which is not your own you must have that person's permission to give us their personal information and for us to use it for the purposes specified. By providing it you are saying you have their permission. We share aggregated demographic information about our user base with our agents, including agencies or third party vendors so that they can provide marketing analysis and consult on advertising strategies. This information does not identify individual users. We also may share non-personal information, such as the number of users who visited the website during a specific time period or who purchased a specific product through the website, with our marketing partners, advertisers and others from time to time. This information generally is shared in an aggregated form. We may release personal information if we believe in good faith that: the law or legal process requires it; if we have been advised by counsel; we have received a valid administrative request from a law enforcement agency; or such release is necessary to protect the rights, property or safety of Luxottica, or any of our respective affiliates, business partners, customers or others. As with any business, it is possible that as our business develops, we might go through a business transition, such as a merger, acquisition by another company, sale of all or a portion of our assets or buying online stores or other assets. In such transactions, your information will likely be transferred. You will be notified via a prominent notice on our site and notified of any such change in ownership or control of your personal information. You will be deemed to have consented to the transfer of your personally identifiable information to any such successor entity unless you notify us via email to the contrary within the 30 day period. Personal information submitted to or collected through this website may, in addition to Australia, be stored and/or processed in the United States or China for the purposes described in this privacy policy. By providing us with your information (including simply using our website), you consent to any such transfer of information outside of Australia. We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information. We do not share, sell or rent to other third parties any personal information that you provide to us, except with your consent or as described in this Privacy Policy.
We require accurate personal information about you to ensure you receive the best possible service from Sunglass Hut. You may request access to any personal information we hold about you at any time by contacting us (see details below). Please ensure you are able to advise which store you last visited for products. Where we hold information that you are entitled to access, we will try to provide you with a suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a reasonable fee to cover our administrative and other reasonable costs in providing the information to you. We will not charge you for simply making the request and will not charge for making any corrections to your personal information. There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.
We take reasonable steps to ensure that your personal information is up-to-date whenever we collect it or use it. This may include, for example, using data obtained from third parties to verify the accuracy of your personal information. If you find that current personal information we hold about you is inaccurate or out-of-date, please contact us and we will correct it.
Sunglass Hut takes reasonable steps to protect any personal information that we hold from misuse and loss. We also take reasonable steps to protect it from unauthorised access, modification and disclosure. Your personal information may be stored in hard copy documents or electronically. Sunglass Hut maintains physical security over hard copy and electronic data storage. Personal information about individuals is stored on servers that sit behind a firewall that is housed within a secure data centre. We monitor activity on the website to prevent any unauthorised disclosure of credit card numbers or other personal information. In addition, we utilize a licensed system for credit card authorisation and fraud detection. We use industry standard SSL (Secure Sockets Layer) encryption to protect the confidentiality of your personal information. Notwithstanding this, we cannot guarantee that your personal information will be protected against unauthorised access or misuse, and do not accept any liability for the improper actions of unauthorised third parties. Whilst Sunglass Hut takes reasonable efforts to safeguard the privacy of your personal information, transmissions made by means of the internet cannot be made absolutely secure. Sunglass Hut accepts no responsibility for disclosure of data due to errors in transmission or by unauthorised third parties. Sunglass Hut also accepts no responsibility or liability for third parties such as advertisers or other entities who utilise banner ads and links from our website(s). If you click through to a banner ad or link and submit your information via that banner ad or link, you will be subject to their own privacy policies.
If you are a minor, you should surf sunglasshut.com/au only with involvement of a parent or guardian. Although we do not specifically direct our website, catalogues or e-mails to children, we strive to provide children with as much customer care as possible without violating their privacy rights. For their protection, we ask that minors not attempt to register with sunglasshut.com/au or otherwise provide us with any personal information without the consent of a parent or legal guardian.
We reserve the right to make changes to this website, our Privacy Policy, and other policies posted on this website at any time. Please review the website periodically to see any updates to the information provided here. If any of the terms of this Privacy Policy, or other policies posted on this website, shall be deemed invalid, void, or for any reason unenforceable, that term shall be deemed severable and shall not affect the validity and enforceability of any remaining term or condition. This privacy policy was last updated in March 2014.
If you believe that your privacy has been breached, please contact us using the contact information below and provide details of the incident so that we can investigate it.
We request that complaints about breaches of privacy be made in writing, so we can be sure about the details of the complaint. We will attempt to confirm as appropriate and necessary with you your understanding of the conduct relevant to the complaint and what you expect as an outcome. We will investigate your complete and will advise you of the outcome of our investigations in writing.
If you have any questions about this Privacy Policy, any concerns or a complaint regarding your personal information, please use the contact link on our website or contact us using the details set out below.
In Australia:
Customer Care
Luxottica Retail Australia Pty Ltd Pty Ltd
Post: 75 Talavera Road, Macquarie Park NSW 2113
Tel: 1800 556 926
Email: firstname.lastname@example.com
In New Zealand:
Customer Care
Luxottica Retail New Zealand Limited
Post: 75 Talavera Road, Macquarie Park NSW 2113
Tel: 0800 607 895
Always Free Shipping, Fittings & Returns
Free Delivery (3-5 business days) and Returns.
Free personalised fittings and adjustments, anytime
At our store, any time — our treat
Just bring your receipt within 90 days
50% off a new pair if you damage your shades within 1 year
Trade in pairs that are not of an acceptable quality for up to 2 years
Stay informed on the latest trends and offers
Some products not available in all stores
© 2007 - 2014. All rights reserved.


text:
Art & Creativity
Art & Creativity
Encourage their artistic side with this great selection of arts and crafts products! At CP Toys, our easels and playroom tables & chairs come in a variety of sizes to fit your little artist. Don't forget the extra paper so the creativity can go on and on! We have a wide variety of art and craft sets including our On-a-Roll Art Center and Arts & Crafts Case with all the necessary pieces, stamps and stamp pads, paints & brushes, Play-Doh® and a woodworking workbench with real child-sized tools. Have fun shopping for all your creative needs and be sure to take advantage of our FREE shipping offer.
On-A-Roll Art CenterCP Exclusive
Chubby Brush & Washable Paint SetCP Exclusive
Desktop Art Carousel
12" Paper Roll Dispenser with 200' Paper Roll
Scratch and Sketch Glamour Girls
Scratch and Sketch Furry Friends


text:
PV module rating scheme explained
2 comments
The solar energy industry now has an independent tool for comparing photovoltaic (PV) modules: the PSI PV Module Rating, a comprehensive, independent rating standard based on lifetime energy production.
Launched by the Principal Solar Institute (PSI) and guided by an advisory board of academic and industry experts, the PSI Rating is designed to help large-scale solar consumers make informed, intelligent comparisons and decisions when selecting PV modules. Its methodology defines the standard for comparing critical characteristics of PV modules between different manufacturers and across product lines.
Given the complexities involved in choosing PV modules, the PSI Rating is long overdue. As the most fundamental component of a solar power plant, PV modules are available in a vast variety of technologies, configurations and specifications; they must produce electrical power under a wide range of environmental conditions, such as low solar irradiance and elevated temperature; and electrical power output differs substantially between modules of the same wattage. Whats more, with so many different manufacturers and types of modules available, making the right choice has been an ongoing challenge.
The PSI Rating helps elevate the solar industry to the level of other mature markets, such as the financial sector, which turns to Standard and Poors Ratings for investments, and the air conditioning manufacturing industry, which relies upon SEER Ratings. Because PSI has no affiliation with any PV module manufacturer and no interest in promoting one over another, the rating method is constructed without bias.
Potentially, the PSI Rating will help bring solar into the mainstream energy and finance marketplace by making it easy for solar professionals to know more about different technologies, finance structures and policies so that they can offer better, more valuable solutions to their customers.


text:
Sprint Corp. is paying above-market interest rates on new notes to become the leading issuer of U.S. junk bonds this year as it seeks to fund an expansion of the country's third-largest wireless network.
Sprint raised $2.5 billion Monday with securities due in June 2024 paying a coupon of 7.125 percent, 66 basis points more than the average yield for similar-maturity debt in the B credit rating tier, according to data compiled by Bloomberg. The sale adds to Sprint's more than $12 billion of issuance in the past 24 months to lead speculative-grade borrowers during two years of record annual offerings of at least $350 billion.
Enticing bond investors with higher-than-average coupons may help the Overland Park, Kansas-based company finance capital expenditures that are growing at a faster pace than AT&T Inc. and Verizon Communications Inc. Monday's sale followed a $6.5 billion offering in September that ranked as the biggest high-yield issue since 2008.
"Sprint has a lot of funding needs and has been undertaking a lot of capex," said Scott Kimball, a fixed-income manager at Taplin Canida & Habacht LLC, a BMO Financial Group unit that oversees $8 billion and doesn't own Sprint bonds. "The supply is reflective of their own needs rather than investor demand."
Average yields on junk bonds in the Bloomberg USD High Yield Corporate Bond Index have fallen to 5.88 percent from 6.55 percent at the time of the previous sale.
Majority ownership of Sprint was purchased by SoftBank Corp. in July for $21.6 billion, and the company has said it plans to spend $8 billion on network upgrades as it races to catch up with the larger AT&T and Verizon.
Softbank, the Japanese company founded by billionaire Masayoshi Son, owns stakes in more than 1,000 Internet businesses and is the third-largest mobile provider by sales in Japan behind NTT Docomo Inc. and KDDI Corp., according to data compiled by Bloomberg Industries.
Sprint has since issued more than the $8.1 billion borrowed by T-Mobile USA Inc. this year, aided by the Federal Reserve's policy of suppressing interest rates to support economic growth. The new Sprint bonds, which follow $362.5 billion of high-yield, high-risk issuance through last week, are ranked B1 at Moody's Investors Service and BB- by Standard & Poor's.
"Sprint has had seemingly endless access to the high-yield market and has consistently taken advantage of investor demand," Scott Dinsdale, an analyst at KDP Investment Advisors Inc., wrote in a report yesterday.
Scott Sloat, a Sprint spokesman, declined to comment on the company's finances. Proceeds may be used to retire or service outstanding obligations and to expand and modernize its network, the company said in a regulatory filing yesterday.
Sprint's junk rating leaves it with higher borrowing costs than investment-grade AT&T and Verizon, the latter of which issued a record $49 billion of bonds in September and paid 6.55 percent to borrow for 30 years. Sprint had an average weighted coupon of 7.78 percent before Monday's sale, compared with 4.47 percent at AT&T and 5.49 percent for Verizon.
The phone company that started offering local service in Abilene, Kansas, in 1899 lost 5 percent of its contract wireless subscribers in the year ended June 30, Bloomberg data show. Its North American market share declined to 12 percent last year from more than 18 percent in 2006.
Junk, or speculative-grade, bonds are rated below Baa3 by Moody's and BBB- at S&P. A basis point is 0.01 percentage point.
Sprint is betting the spectrum acquired in its July takeover of mobile broadband company Clearwire Corp. will help the company blanket the largest U.S. cities with a high-speed network for delivery of mobile video and streaming music.
Refitting with that technology under the project name Spark has led analysts surveyed by Bloomberg to estimate that Sprint will burn through $4.3 billion of cash in the next 12 months while Verizon and AT&T are together poised to generate about $26 billion of free cash that can be used for reinvestment, debt repurchases, or shareholder rewards such as dividends and buybacks.
"The concern is that you're spending all this money in an industry that's dominated by two large and more well-capitalized competitors," said Marc Gross, a New York-based money manager at RS Investments, which bought the new bonds. "The question is, will they be able to drive customer growth?"
While Sprint has valuable spectrum assets and the implicit support of Softbank, the business is burdened by high leverage, weak margins and a cash burn that will probably continue through 2015, Moody's analysts wrote in a report yesterday. Sprint's $32.4 billion of long-term debt on Sept. 30 accounted for almost 37 percent of its assets, compared with a ratio of 33 percent at Verizon and 25 percent at AT&T, Bloomberg data show.
"Near flawless execution across all aspects of the business, including the requirement to quickly redesign and modernize its entire network, will be necessary before Sprint can hope to grow its market share in the brutally competitive U.S. wireless industry," the Moody's analysts wrote.
Bloomberg News


text:
Death Notices for Nov. 26, 2013
David K. Adams, 85, Janesville, died Saturday at home. Services will be at 10 a.m. today at First Lutheran Church, Janesville. Visitation will be from 9 a.m. until the time of services today at the church. Nitardy Funeral Home, Fort Atkinson, is assisting the family.
August N. Anstedt, 90, Delavan, died Monday at home. Arrangements are pending at Betzer Funeral Home, Delavan.
Eugene D. Hemmerling, 83, Beloit, died Sunday at Sun Valley Homes East, Beloit. Services will be at 1 p.m. Saturday at Our Savior's Lutheran Church, Beloit. Visitation will be from 4 to 7 p.m. Friday at Daley Murphy Wisch & Associates Funeral Home and Crematorium, Beloit.
Alice I. Hergert, 87, Milton, died Sunday at Mercy Manor Transition Center, Janesville. Services will be at 1 p.m. Wednesday at Albrecht Funeral Homes and Cremation Services, Milton. Visitation will be from 11 a.m. until the time of services Wednesday at the funeral home.
Russell "Pops" Heritage, 77, Edgerton, died Sunday at home. Ehlert Funeral Home and Cremation Services, Edgerton, is assisting the family.
Robert A. Jensen, 85, Fontana, formerly of Mt. Prospect, Ill., died Thursday at Williams Bay Care Center, Williams Bay. A celebration of life will be from 3 to 6 p.m. Saturday at Chuck's Lakeshore Inn, Fontana. Toynton Funeral Home, Walworth, is assisting the family.
Arthur D. Maresch, 79, Middleton, formerly of Janesville, died Friday at home. Visitation will be from 3 to 5 p.m. Thursday, Dec. 5, at Schneider Apfel Schneider & Schneider Funeral Home and Crematory, Janesville.
Harold Robert Morris, 70, Elkhorn, died Saturday at Aurora Lakeland Medical Center, Elkhorn. A memorial celebration will be at 2 p.m. Friday at First Congregational United Church of Christ, Elkhorn. Visitation will be from 11 a.m. until the time of services Friday at the church. Haase-Lockwood & Associates Funeral Home and Crematory, Elkhorn, is assisting the family.
Jan M. Porges, 60, Lake Geneva, died Friday at Aurora Lakeland Medical Center, Elkhorn. No services are planned. Steinke Funeral Home and Cremation Services, Lake Geneva, is assisting the family.
William Lawrence Tadder, 64, Janesville, died Monday at Agrace HospiceCare, Fitchburg. Services will be at 11 a.m. Friday at New Life Assembly of God, Janesville. Visitation will be from 9 a.m. until the time of services Friday at the church. Henke-Clarson Funeral Home, Janesville, is assisting the family.


text:
Ada Util is a collection of utility packages for Ada 2005. Several packages are inspired from Java packages and libraries (Java properties, log4j, listeners, streams). The library provides a logging framework, a serialization/deserialization framework for XML, JSON, CSV, an Ada beans framework, a composition stream framework (raw, files, buffers, pipes, sockets), several concurrency tools (reference counters, counters, pools, fifos, arrays), a REST client framework, and more.
iTherapy Process (iTP) is software to help specialists in a Radiotherapy Department work together toward the same goal: to provide the best radiotherapy treatment to each patient. It allows one know, at any time and anywhere, what has been done, what needs to be done, and which deadlines to respect for each individual patient. At a glance, one can visualize the list of all the patients in a specific step of the process, the degree of emergency, their pathology, the requested treatment machine, the dose prescription, the treating physician, the medical physicist in charge, etc.
Gestures is an object that can recognize user gestures that form configurable shapes. It can listen to events of the user moving the mouse forming known gesture shapes. The object can recognize custom gesture shapes defined by a list of vertex points of the shape. A given callback function is invoked when the object recognizes a known user gesture shape. The object can also draw the gesture shape as the user moves the mouse.
py-setproctitle is a library that allows a Python process to change its title, as displayed by system tools such as ps and top. Changing the title is useful in multi-process systems, for example when a master process is forked: changing the child's title allows you to identify the task each process is busy with. It is based on PostgreSQL's multi-platform implementation.
Every five minutes, Tumblefile copies all files on your Desktop to a folder such as ~/Documents/2009-07-July/25-Saturday, prepending a timestamp (like 20090727.1645) to the filename. Meanwhile, its little window sits in the system tray. It is a way to automatically keep your Desktop cleared and files organized.
waitcond is a script to specify a combination of events using boolean expressions over various events. It can periodically grep in files, wait for the (dis)appearance of files or processes, wait for certain CPU/net/disk idle values, or wait for an idle tty. waitcond is meant to be combined with some notification tool or system.


text:
More banks plan to launch mobile banking products for their corporate customers this year, but it still may take time for treasury customers to warm up to the mobile apps.
A couple of surveys conducted at the Association for Financial Professionals' annual meeting in Las Vegas last October suggest that only a minority of treasury professionals currently use smartphones or tablets to handle banking chores. A Capital One survey showed 32% of finance and treasury professionals attending the AFP meeting used a corporate mobile banking product, while a survey by ACI put the portion of finance workers using mobile banking at 27%.
The low level of use in part reflects a lack of availability. "There have been very few banks offering this to their middle market or corporate customers," said Christine Barry, research director at technology consulting company Aite Group.
A survey Aite conducted in mid-2013 showed that a third of the 50 biggest U.S. banks offered mobile banking to corporates at that time, although almost all of them planned to have an offering in place by the end of this year.
"We're expecting to see more adoption this year, as banks roll it out, as momentum increases, and as customers grow more comfortable, use it in their personal lives, and then adopt it for business," Barry said.
"Every bank we're in talking to, mobile has to be included in the conversation," said Mark Ranta, senior product marketing manager at ACI. "More and more mobile solutions are hitting the market. As it's becoming more widely available, usage is following."
Jacob Jegher, a research director at Celent, sees a couple of other factors as obstacles to adoption, including companies' concerns about security.
In Capital One's survey last year, 66% of executives cited concerns about the security of corporate data as the main barrier to adoption of mobile banking.
According to Jegher, the security concerns are mostly mistaken. Companies get nervous when thinking about doing a wire transfer for a substantial amount on a mobile phone, but the only thing happening on the phone is an approval, Jegher said. The employee initiating the wire is still sitting at a desktop computer.
Barry said that banks need to help their corporate customers understand the security that's in place for mobile banking, which is usually similar to what's used for online banking. "The security exists; there's just concern anytime a new channel is introduced," she said.
"The other big challenge relates to the type of mobile device being used," Jegher said. The most prevalent device used by corporate executives has been the BlackBerry, and its relatively small screen makes apps difficult to develop, and to use, he said.
Jegher expects corporate use of mobile banking to pick up once security concerns subside and companies move away from BlackBerries.
Apps vs. Optimized Websites
Mobile banking can occur either via applications designed for mobile phones and tablets or on websites that are designed to be accessed from mobile devices. The Aite survey shows that 19% of banks offer downloadable apps, 28% offer a website optimized for mobile traffic, and 53% offer both.
Among the most common mobile banking functions are the ability to check balances, approve wires and ACH payments, and transfer funds between accounts.
The Aite data indicate that even when mobile offerings are available, a small proportion of corporate customers take advantage of them: Most of the banks with mobile offerings said fewer than 10% of customers were using them. Barry noted that a separate Aite survey at the end of last year showed much higher use among small businesses, with about a third of companies with less than $20 million in revenue employing mobile apps, though some of them are using consumer apps.
Cindy Murray, head of global treasury product platforms and echannels at Bank of America Merrill Lynch, said many of the treasury employees who review balances or approve payments don't need to be able to use a smartphone or tablet because they're sitting at their desks with a computer in front of them.
And organizations that don't give their employees company-issued mobile devices may be "uncomfortable giving them access to do banking transactions on a personal mobile device," said Murray, pictured at left.
"Where we see traction is with more senior people," she said. Treasury executives who travel or frequently attend meetings are using the bank's optimized website via mobile devices to do things like approve payments or take care of administrative functions like resetting passwords and adding or deleting users, Murray said.
Aite Group's Barry said that among the newer features offered by mobile banking apps are "the ability to make a pay/no pay decision on positive pay and the ability to initiate repetitive payments—something that was set up online."
ACI's Ranta said he's seeing interest from banks in functionality that would allow a treasury executive to use a mobile device to initiate a one-time payment to an organization that's already included on a list of possible payees.
Murray said BofA Merrill Lynch's customers are looking for information and the ability to act on that information. Once the bank sends an alert to their mobile device, "they want to then be able to take action," she said. "They would like to be able to respond through that alert, rather than having to go and log in through the portal."
She also noted interest among customers in certain industries in remote deposit capture of checks on mobile devices, which BofA doesn't currently offer in its corporate mobile banking. "We see that in insurance, for local agents to be able to capture images of checks they collect, as well as in certain consumer products such as beverages, where drivers are dropping off products and they do collections when dropping off products," Murray said.
BofA Merrill Lynch estimates that roughly half of those who access the mobile version of its treasury portal, CashPro Mobile, are using phones and about half are on tablets.
"I think you're going to see more and more tablet usage," Murray said. "The banks' online applications need to be device agnostic so you can take advantage of some of the unique features of smartphones versus tablets versus desktops."


text:
William "Bill" Elton Brooker, Kentland, IN/formerly Janesville, WI (1927-2014)
July 18, 1927 - January 19, 2014
William (Bill) Elton Brooker died Sunday, Jan. 19, 2014. He was born July 18, 1927, in Whitewater, WI, to Rollin Hartford and Mabel Louise (Niemeyer) Brooker. He graduated from Whitewater High School in 1945, and married Nancy Ann Hathorn on Aug. 27, 1949, at First Lutheran Church in Janesville, WI. They celebrated 63 years of marriage before Nancy's death in March of 2013. During his early years, Bill was employed as a dye maker at Fairbanks Morse in Beloit, WI, at GM in Janesville, WI, and Highway Trailer in Edgerton, WI. He and Nancy moved to Kentland, IN, in 1971, and Bill began a career as a press foreman at Capitol Products (Tredegar Industries) where he retired in 1992. Bill was an avid Green Bay Packer fan, enjoyed golf, and loved playing games on the computer. He always lived to travel; some of his favorite trips were on the train where he traveled around the United State multiple times and on the beaches of Florida, with his wife and family. Bill was a man who had a zest for life up until the very end. Bill was a devoted family man who always put his family first; he loved spending every moment he could with family.
Bill is survived by his daughter, Sandra (Larry) Back of West Lafayette, IN; his grandsons, Chad (Michele) Back of Fishers, IN, and Corey (Jenny) Back of Brownsburg, IN; three great-grandsons: Connor, Monty, and Miles; and a new great-grandchild due in February. He was preceded in death by his wife, Nancy; his brothers: Roy, Howard, Jim, and Rollin; and his sister, Betty Jacobs.
The family wishes to thank Westminster Rehab and Franciscan St Elizabeth's Cardiac care unit for the excellent care and concern Bill received during his illness.
Visitation will be Thursday, Jan. 23,2014, from 1 until 2 p.m. at SOLLER-BAKER LAFAYETTE CHAPEL, 400 Twyckenham Blvd., Lafayette, IN, with the Funeral at 2 p.m. Reverend James Johnson of Central Lutheran Church, Edgerton, WI, will officiate. Entombment will be in Tippecanoe Memory Gardens. In lieu of flowers, a memorial contribution may be made to the American Heart Association. You may sign the guest book and leave memories at www.soller-baker.com


text:
Refine Your Search
Design Color
Special Features
Card Format
Paper Type
Print Type
Wedding Invitations
Pearl Vines - Invitation
Candlelight Vines - Invitation
Ebony Vines - Foil Invitation
Antique Roses - Foil Invitation
Framed in Luxury - Invitation
Ethereal Garden - Foil Invitation
Royal Details - Laser Cut Invitation
Golden Grandeur - Invitation
Vintage Garden - Foil Invitation
Sophisticated Border - Invitation
Bed of Roses - Laser Cut Invitation
Lacy Dream - Invitation
Birch Tree Carvings - Invitation
Vintage Shine - Invitation
Glitter Elegance - Silver Glitter Invitation
Glitter Elegance - Gold Glitter Invitation
All That Sparkle - Invitation
Layered Elegance - Invitation
Unlocking Love - Invitation
Sharp Lines - Foil Invitation
Clean Lines - Foil Invitation
Signature Style - Foil Invitation
Gold Signature - Foil Invitation
Polka Dot Glow - Foil Invitation
Enchanting - Invitation
Rustic Beauty - Foil Invitation
Luxe Elegance - Black Pocket - Invitation
Total Elegance - Pocket Invitation
Whimsical Rose - Foil Invitation
Lace Reflections - Foil Invitation
Garden Crest - Invitation
Antique Floral - Invitation
Rustic Lights - Petite Invitation
Framed in Glitter - Invitation
Fairytale Sky - Foil Invitation
Framed in Flowers - Invitation
Rustic Romance - Invitation
Wood and Lace - Invitation
Boho Flowers - Invitation
Malibu I Do - Foil Invitation
Brilliant Palms - Foil Invitation
True Beauty - Letterpress Invitation
On Board - Petite Invitation
Calligraphy Border - Foil Invitation
Pine Tree Treasures - Invitation
Country Canning Jar - Invitation
Floral Fancy - Real Wood Invitation
Bold Blooms - Invitation
Watercolor Greenery - Invitation
Lace Lining - Invitation
Initial Love - Foil Invitation
Decadence - Invitation
White Roses - Foil Invitation
Foliage Frame - Foil Invitation
Invitations by Dawn Reviews
February 29, 2016 Just Perfect! Vintage Birds
"Ordered these invites and had them shipped to Ireland, so to say I was apprehensive was an understatement! Thankfully they were above and beyond my expectations - so so beautiful and the signature shimmer adds such elegance. I couldn't be happier! THANK YOU." ˜ A very happy bride-to-be, Florida
January 23, 2016 Heavenly Love -Lacy Details Lacy Details
"I ordered these for my wedding invitations. It was the best decision ever, and the easiest. I was able to personalize, add my address book, and change the color without any problems. When I needed more invitations at the last minute, I was able to receive them during a snow storm. I cannot tell you how many people told me that they were the nicest and prettiest invites that they had ever received for a wedding. Simple, elegant, and worth every penny." ˜ Bride, New York
May 9, 2016 Absolutely beautiful Ferns of Gold
"So much more beautiful than I expected. Quality quality quality. Order arrived quickly and everything in PERFECT condition. Beyond satisfied that I chose Invitations by Dawn. Will recommend to all." ˜ Bride, New York
March 27, 2015 Easy and perfect Lacy Flourishes
"I spent months trying to find online wedding invitations that I liked. I loved the look of this one. It was easy to personalize and play around with to get it exactly the way I wanted with colors that match mine. The paper is good quality. It prints on both the front and back making it an excellent value to convey information without an added expense. The reply cards are beautiful, same easy process. Everyone I have shown them to loves them." ˜ Bride, Wyoming
Wedding Invitations FAQs
- When do I send my wedding invitations? Wedding invitations should be sent 6-8 weeks before your wedding. Some timelines will say 4-6 weeks before the event date but we like to err on the side of caution for two reasons…read more
- How many invitations should I order? Order one invitation per single guest or one invitation per couple. Remember to send an invitation to anyone 18 or older even if they're living with their parents. Not sure who you want to invite? We have some helpful tips for creating a guest list…read more.
- How fast will I receive my order? Speed of shipment can vary depending on what you purchased but generally our customers are very happy if not surprised at how fast they receive their orders. Most invitations take 1-2 business days to print and up to seven days to ship, but some items like letterpress invitations take longer to print…read more.
- How do I address my wedding invitations? You will have either one or two envelopes to address per invitation depending on the style of invitation you choose. Here we'll explain the difference between the inner and outer envelope and we'll give you addressing examples for a variety of people…read more.
Let's delve a little further into the themes and styles of wedding invitations offered at Invitations by Dawn, shall we?
Your wedding theme/style refers to the overall look you're trying to achieve. The colors, the decorations, the accents, the venue will all play an important role in revealing your particular sense of style and personalities. Unless you choose to order a save the date, the wedding invitation card is the first impression your wedding guests will have of your wedding and wedding look – make it a good one!
Invitations by Dawn is focused on bringing you the styles, designs, looks and themes you hold so dear to your heart. Your invitation is a reflection of the two of you; therefore, it must be unique in so many ways. Vintage wedding invitations are perfect for expressing your sophisticated style. Peacock designs reflect an appreciation for high fashion, whereas modern motifs are well suited for refined artistic tastes. Beach, rustic, and traditional designs also speak to your likes, dislikes, your hobbies and who you are as a couple. Don't forget to incorporate these designs into other elements of your wedding like custom wedding napkins for your reception.
Maybe you're more interested in the style of wedding invitation cards rather than the design itself. Browse through a variety of invitation pockets, layered invitations, square wedding invites and value options like seal and sends to find the right type of invitation for your event. (Be sure to order samples to ensure they're exactly what you want.)
Creating unique wedding invitations is our specialty, but the printing processes we use are just as important as the designs themselves in bringing you great quality. We have more than 30 years of experience in the wedding printing industry, which has allowed us to perfect our traditional printing methods as well as develop new, exciting methods that result in beautiful quality for an affordable price.
Our most popular printing method is digital printing, because it creates brilliant colors and designs within a fast timeframe. Thermography is a favorite among couples because it mimics the expensive look of engraving but for a much more affordable price. Our foil stamped wedding invitations feature a distinctly gorgeous look, and our exclusive Featherpress printing technique looks and feels like letterpress without the high price tag. To learn more about our wedding stationery, paper options and printing methods, visit Paper Matters and Printing Matters.


text:
Wentworth Gardens Park
3770 S. Wentworth Ave. Chicago, Illinois 60609
(312) 747-6996
Fee: Free
Age Range: Any
The Amazing Spider-ManLike most teenagers his age, Peter is trying to figure out who he is and how he got to be the person he is today. In his journey to put the pieces of his past together he uncovers a secret that his father held, a secret that will ultimately shape his destiny as Spider-Man. This is the first in a series of movies that tells a different side of the Peter Parker story.
Rated PG-13 | 136 minutes | 2012*Closed Captioned
Presented by Charter One, with additional support from RCN.
Movies in the Parks is presented by:
With additional support from:


text:
The demise of a Wisconsin retailing empire
If you've lived in Wisconsin as long as I have, you remember the days of "Crazy TV Lenny." Len Mattioli was the man behind those wildly creative and innovative commercials that pitched televisions and appliances from a Madison-based company whose reputation for good prices grew and spread throughout the state and beyond. American TV became a Wisconsin retail institution, a household name.
As a story by Paul Gores of the Milwaukee Journal Sentinel explains in today's Gazette, Mattioli was an engineer for Eastman Kodak who returned to Madison in 1970 to help his brother, Ferd, who had cancer, close down the TV store Ferd had started. Len learned he liked the retail business, and his familiar TV pitches included giving away bicycles with TVs and appliances.
I came to Janesville as Sunday editor when The Gazette unveiled its Sunday edition in January 1988. We were always on the prowl for unique, interesting stories, and I remember when my colleague Anna Marie Lux did what became a front-page story on "Crazy TV Lenny." It seemed a little edgy, particularly when we were reaching outside our circulation area for a feature story.
I'll never forget being in my editor's office that Monday and a senior executive of The Gazette company came breezing in, Sunday paper in his hand, and I thought, "Oh, oh, we pushed the envelope too far." Instead, he slapped the paper down on the desk and proclaimed, "I love this; I want this newspaper to be fiercely independent of advertising."
For someone so new to the company, that scene left an indelible mark. Still, the story cost The Gazette a major advertiser for a year or more. A local businessman thought we crossed the line featuring what he believed to be a competitor so prominently, especially one from Madison.
In his column Feb. 9, Editor Scott Angus wrote that any good newspaper, one worth its price, must walk a careful line between advertising and news. Companies should advertise in a newspaper because they believe their ads will get results, not because they expect favoritism or "free ads" in our news columns. Readers should expect impartial news coverage, as well.
Len Mattioli slowly sold controlling interest in American TV & Appliance until current President and CEO Doug Reuhl took it over in 2001. My wife and I have shopped for appliances or furniture at American TV off the Beltline in Madison two or three times in the last 15 or so years. I don't remember buying anything, however; seems we always found better values elsewhere. Perhaps the days of the best deals under Len Mattioli were only memories.
Still, Monday's news that American TV is pulling the plug, closing its six Wisconsin stores and two in Illinois and two more in Iowa, came as a shock. About 1,000 people will lose their jobs. My wife and I guessed big-box retailers such as Wal-Mart, ShopKo and others likely led to the company's demise. Instead, I heard a news story on WCLO today in which a Madison retail expert suggested online purchases doomed American TV.
Too many people, it seems, go to retail stores to "window shop" and, when they find merchandise they like, buy the items online for less money. As online shopping forces stores such as American TV and smaller retailers out of business, that's something to consider. What happens when no more brick-and-mortar stores are left for such "window shopping," to pa property taxes or to employ local people?
Greg Peck can be reached at (608) 755-8278 or firstname.lastname@example.com. Or follow him on Twitter or Facebook.
Greg Peck can be reached at (608) 755-8278 or email@example.com. Or follow him on Twitter or Facebook.


text:
Admissions &
Financial Aid At Wabash
WE LIKE TO LAY IT ON THE LINE. And the truth of the matter is this: Wabash isn't cheap. Or easy. Or coed. It is one of the best investments you'll ever make. For proof, look no further than our incredibly successful alums. Wabash is the only private Indiana College to be named to the Fiske's "Best Buy" list.
What does it take to get in to Wabash? You'd be surprised. We look for academic achievement, of course, but your interests and goals count for a lot, too.
Think of our Admissions team as your own personal task force. They will help you navigate the process and stay on schedule.
Visit Us
Experience the Wabash College classroom and spend a night with our students. Get a feel for campus life and what it's really like to be a Wabash man.
Financial Aid
Wabash's signature scholarship is the Lilly Award, but we also offer President's, Deans, Alumni, and Honor awards along with Fine Arts scholarships.
The Class of 2021 is your one-stop source for information you need before you arrive at Wabash in the fall.
Wabash has a long history of welcoming international students. Currently there are more than 65 international students on campus.


text:
Sprache in Deutsch ändern |
Hooray! You've made it!
You found probably the funniest site of the internet! Share and discover hilarious, crazy and weird videos, images or what ever you want and find people who share your sense of humour.
We suggest English as your preferred language. You can change the language next to the bendecho logo.Let it rock! ;-)
The Last Popsicle
youtube.com - Really good video
|Decimal Brothers, Last, Popsicle, The
|8 years, 5 months ago
Add a comment
Submit New
Rising Upcoming Votes
Related Stuff
Stuff of the Month
Action Feed
- Marley Waters "Wish List" offici...
- Damian Spiteri "Shine at Christm...
- Georgia Rain
- Georgia Rain
- Singing In The Rain - Beautiful ...
- Singing In The Rain - Beautiful ...
- ** Ed Sheeran - Make it Rain **
- ** Ed Sheeran - Make it Rain **
- Tennessee Whiskey- Chris Stapelt...
- Fast car. Tracy chapman. Acousti...


text:
Soldier Field, 1410 S. Museum Campus Dr., hosts its sixth annual Breakfast with Santa Saturday, Dec. 1 from 10 a.m. – 1 p.m. in the United Club for about 600 guests.
The lavish brunch will be one of the few times during the year when the United Club's fine dining is open to the public. Families will not only be able feast on a fantastic holiday-themed breakfast, but also visit with Santa and his elves.
At the stadium, children can decorate holiday cookies or take part in other interactive festivities. Families are encouraged to bring their own handmade ornament to decorate the stadium tree. All entries will receive a gift from Dominick's and the top three ornaments will receive prizes.
"We invite everyone to take advantage of this unique holiday event as it's a special opportunity to experience this historic venue," said Mike Kelly, General Superintendent and CEO of the Chicago Park District.
Dominick's is the host sponsor of this annual holiday event. Soldier Field will also host a toy drive benefiting the Walter and Connie Payton Foundation with former Chicago Bears Right Tackle James "Big Cat" Williams and members of the Payton family to help collect toys. All are encouraged to bring unwrapped toys to the event. Donated toys will go to deserving Chicagoland children during this holiday season.
Admission is $55 for adults, $25 for children ages 3-12, and free for children under 3 years of age. Reservations are required and are available by calling 312-235-7162 or by emailing firstname.lastname@example.com. Guests can park in the North Garage attached to the stadium for $19 (under 4 hours) and enter directly to the United Club. Visit www.soldierfield.net for more information.
« Back


text:
Scott James Solberg, Janesville, WI (1973-2014)
August 18, 1973 - May 26, 2014
Scott James Solberg, age 40, of Janesville, WI, and formerly of Grand Forks, ND, passed away on Monday, May 26, 2014, at University Hospital in Madison, WI. He was born on Aug. 18, 1973, in Grand Forks, ND, the son of Roger and Carol (Henry) Solberg. He graduated from EGF Senior High School in East Grand Forks, MN, with the class of 1991. He married Alicia Recob on Dec. 4, 2004, in Walworth, WI. He enjoyed playing and watching baseball, bowling, hockey and golf. He was employed with Grainger in Janesville.
Scott is survived by his wife, Alicia; his mother, Carol, of Grand Forks, ND; in-laws, Jim and Betty Recob, of Walworth; a sister-in law, Angie (Jason) Hansen of Elkhorn; two brothers-in law, Andrew (Laura) Recob, of South Beloit, IL, and Adam (Brittany) Recob, currently stationed at an Air Force Base in Guam. He was the best uncle to Joshua, Kaylee and Benjamin. He is further survived by several aunts, uncles, cousins, and many, many friends. He was preceded in death by his father; his maternal and paternal grandparents; and uncles, Steven and Gary Solberg.
A Celebration of Scott's Life is planned for Aug. 23, 2014, at The VFW, East Grand Forks, MN, and also Aug. 30, 2014, at TOYNTON PARK in Walworth, WI.
Thank you to all the doctors and nurses that took care of Scott over the past 40 years. A very special THANK YOU to "SKIP" Baker's family for letting us have him almost an extra 9 years.
Online Condolences may be made to www.866allfaiths.com.
ALL FAITHS FUNERAL AND CREMATION SERVICES of Janesville is assisting the family.


text:
Middle school car show a metaphor for evolution
EVANSVILLE--A group of excited seventh-grade girls bounced in and out of the black 2007 Porsche Boxster S, snapping photos of each other in the driver's seat with their cellphones Thursday afternoon.
"Be very careful," one girl told her friends.
It was the only day they're allowed to sit in their principal's car or even see the Porsche in the parking lot at J.C. McKenna Middle School in Evansville.
"I was in three awesome cars!" one girl said dancing around.
Principal Robert Flaherty's car was one of about 20 on display during the afternoon car show, the fourth annual event organized by seventh-grade science teacher Bruce Curtis.
He uses the car show as a metaphor for evolution.
"A slow, gradual change in moving things. Here we have a slow, gradual change in vehicles," he said.
The show included a 1960s Mini Cooper and a new Mini, as well as a 1963 Corvette and a new Corvette.
"So they can see how models have slowly changed over time," Curtis said. "That's what we're using it for—a metaphor."�
The kids ran around talking to the car owners, who came from around the Madison area, to answer questions on a worksheet.
Loren Ziglin of Cross Plains had a steady stream of students at his 13-year-old red Ferrari 360 Modena, which he allowed them to sit in for photos.
Ziglin and Curtis, a big Ferrari fan, met at the weekly car night at Quaker Steak & Lube in Middleton four years ago when their discussion led to teaching through "show and tell," Ziglin said.
"I teach science through race cars," Ziglin recalls Curtis telling him.
They rallied their car friends, and the show has been a hit with the kids since.
One year, they had an old electric car next to a Chevy Volt, Ziglin said.
"Full circle, right?" he said.
Student James Henn was excited for the show and snapped photos of each car.
"I just love cars," he said. "I want to have a collection of these kind of cars. Fix them up, then ship them off all across the world to different car shows."
Most of the cars were not the type you'd see driving down the highway any given day, including two three-wheeled cars hauled by trailer to the show.
Student Maria Moscato was a fan of the tiny cars: the Coopers and the three-wheelers, a 1950s Messerschmitt bubble car that opened by tipping up the roof and a two-seat Heinkel with a sunroof.
"I just wanted to see the time difference between cars because you don't really get to see that," Moscato said.
Kids often asked Ziglin how much his Ferrari cost and how he bought it.
"Which is great," he said, because in the classroom he talked with students about passion and focus. "We try to instill in them that you have to work hard … and come up with a plan to get there because that's how everybody did this," he said, referring to the car owners at the show.


text:
The five-year anniversary of the global financial crisis is the perfect time to evaluate what has changed in finance since the fall of Lehman Brothers. One thing is certain: Every crisis that has followed has served as a stark reminder of the interconnected nature of our global financial system. For that reason, regulators around the world have begun implementing measures to improve transparency and risk mitigation, which are critical cornerstones of a new, modernized global financial system.
Smart treasury organizations are following suit, putting in place processes and tools they need to gain a holistic view of their risks across cash, debt, and investments. Risk is everywhere in treasury, and it is at the heart of why we are seeing a fundamental, transformative change in the treasury function. Over half (58.8 percent) of respondents in the Aberdeen Group's 2013 report Treasury and Risk Management: Top Financial Risks and Tools to Manage Them cited financial risks as the greatest market pressure they face today.
In the survey, Aberdeen defined "financial risks" broadly, including in the category commodity risk, counterparty risk, credit/liquidity risk, foreign exchange (FX) risk, cash location risk, cash forecast risk, operational risk, payment risk, settlement risk, sovereign risk, and reputational risk, among others. The breadth of risks within the remit of treasury is now so wide that the organization can no longer function properly if it maintains a singular focus on either cash-related or risk-related activities. Instead, treasury needs to develop a holistic perspective on risk across the enterprise. According to the Aberdeen survey, 30 percent of global companies are doing just that: They're developing the capabilities for integrated treasury and risk management.
Core Components of a Holistic Process
Gaining a holistic view of exposures begins with understanding that there is a cause-and-effect relationship between cash management and risk management activities. Any gaps or disconnects in workflow can create blind spots in how different groups within a company gather, analyze, manage, and report on information. Consider just some of the areas in which cash and risk are interconnected:
FX exposures. Given the volatility of FX rates, unhedged FX positions can lead to massive swings in a company's P&L, so FX risk management is a cornerstone of effective cash management. An organization needs to combine data on its global cash positions, international cash pools, intercompany multi-currency positions, cash forecasts, balance sheet positions, forecasts of FX exposures, and input and insights from its subsidiaries in order to achieve a holistic view of its global FX exposures. Once aggregated, an organization's holistic view of FX exposures can be analyzed and synthesized in order to derive net FX hedge positions. Investing the effort required to consolidate and net this data can significantly reduce volatility in a company's P&L, help lower transaction fees by optimizing FX trades, and strengthen compliance with FX risk management policies.
Cash forecasting. Inaccurate cash forecasts can have widespread impacts on a company's hedging, liquidity management, capital structure, and strategic decision-making processes. Cash forecasts that don't take into account the company's FX exposures, liquidity positions, and credit rating indicators are unlikely to be actionable (e.g., for borrowing, investing, hedging) because they are missing key predictors of the company's future cash position.
Liquidity and credit risk. Lack of visibility into the company's liquidity and credit position, and ineffective management of its liquidity and credit, could result in a situation in which the company requires reactive and expensive measures to secure working capital. For example, a company may have to pay a premium to secure short-term funding for a project when better management of its liquidity and credit position would have enabled it to borrow at better rates and terms. By combining data on the organization's current and forecasted cash positions with information on its available credit limits, a company can proactively plan for any potential liquidity shortfalls. This enables it to lower its borrowing costs, transaction fees, and borrowing penalties at the same time that it may increase the overall credibility of the treasury function.
Counterparty risk. This encompasses the risks associated with improper assessment and mitigation of a company's exposure to its major counterparties, such as financial institutions, trading partners, and key suppliers. To gain a holistic view of its counterparty risk, a company needs to consolidate data on its exposure to each entity across multiple asset classes. Doing so can build the foundation for effective decision-making, lower the impact of any financial loss, and save on staff time and resources.
Commodity risk. Hedging commodity price risk is becoming more commonplace. It's an activity that generally falls under the joint responsibility of treasury and procurement. By introducing commodity risk management practices into the treasury function, and improving collaboration between procurement and treasury, a company improves its ability to assess and measure commodity risk and implement best practices for hedging and reducing price risk. In addition, commodity hedgers may have FX components to their physical settlements. They can analyze these components using risk assessment tools such as CFaR (Cash Flow at Risk) to define which exposures can be hedged and to prioritize hedge targets.
Transforming Treasury
Companies that are involved in transformative treasury initiatives optimize their treasury organizations with the goal of developing a more holistic approach to treasury and risk management. In one poll conducted by Reval, 56 percent of respondents said they are integrating treasury and risk as a strategic action. Industry-leading treasury operations are developing a real-time, accurate global risk profile, incorporating risk management techniques that gauge counterparty exposures, hedge-coverage ratios, liquidity positions, short-term investments, and credit line usage and availability within their cash forecasting and cash management practices.
Building a transparent and timely view of cash and risk enables a treasury team to get one picture that tells all the important stories for the treasurer, CFO, and board of directors. This capability is critical, as 63 percent of treasurers are facing greater executive review and reporting in response to emerging risk, according to a 2013 Risk Survey conducted by the Association for Financial Professionals (AFP). It is not surprising, then, that 84 percent of respondents in a Reval poll conducted earlier this year indicated that dashboards, risk visualization tools, and software-as-a-service (SaaS) capabilities are important technological advancements that companies need in order to deliver and explain the complete treasury and risk story.
Five years after the global financial crisis, it is clear that corporate treasuries are hard at work, laying the foundation for a more integrated function and ready to deliver the intelligence necessary for strategic decision-making.
Jason Torgler is the vice president of strategy for Reval. He has deep experience in treasury and a strong understanding of the power of SaaS-delivered solutions deployed across domestic and international markets.


text:
Kyriba has released a new version of its cloud-based treasury management system. Kyriba 13.1 includes a number of updates designed to improve the solution's workflow around foreign exchange transactions and financial risk management. It includes foreign exchange (FX) snapshots to increase the accuracy of companies' forecasting of their FX exposure. It includes an expanded approval workflow for FX exposures, which supports advanced integration of duties. It also provides trade matching and confirmations, as well as trade capture for commodity transactions, including over-the-counter (OTC) and exchange-traded futures.
In addition, Kyriba 13.1 offers enhanced workflow that supports centralized control of bank account management activities and helps companies prepare for eBAM. The new release also deepens the solution's SEPA-compliance functionality by enabling SEPA Direct Debit mandate tracking.
"Many of our global clients have expressed the need for deeper support of FX workflow as part of their overall financial risk management program," says Jean-Luc Robert, chairman and CEO of Kyriba. "As with all new versions of the Kyriba platform, our cloud delivery method means that these updates are available to all clients with no additional fees or complex software upgrades."


text:
ELKHORN A Sharon woman accused of having sex with two teen boys pleaded not guilty Wednesday to two counts of second-degree sexual assault of a child.
Rachael A. McCormick, 37, is charged with having sexual intercourse with two boys, ages 14 and 15, on Sept. 29. Both incidents occurred at McCormick's Sharon residence, 218 Baldwin St., upper unit, according to the criminal complaint.
Court records indicate she has since moved to 2544 Honey Creek Circle, Apt. 704, East Troy.
McCormick and the 15-year-old were drinking raspberry vodka Sept. 29, and the 15-year-old told Sharon police he became "drunk" and engaged in sexual intercourse with McCormick, according to the criminal complaint.
The 14-year-old told authorities he also had sexual intercourse with McCormick, according to the criminal complaint.
McCormick told officers she was "very intoxicated," and did not remember having sex with the 15-year-old. She told officers she did remember having sex with the 14-year-old, according to the complaint.
The 14-year-old said he remembered hearing the 15-year-old ask McCormick if he could have sex with her, and McCormick agreed, according to the criminal complaint.
McCormick faces a maximum sentence of 80 years and a $200,000 fine. She is due back in court at 8:15 a.m. Jan. 17.
Last updated: 8:00 am Tuesday, January 15, 2013


text:
Jose | Browsing through the selections of pictures found in entryway designs for homes can be a great start to help you out with your room makeover project. Being stuck in a creative project is natural, especially if you haven't got a good lead on where to start. Sometimes, looking through some pictures as references will help you a lot to progress, especially since decorating a room can be quite tricky. All the pictures available at entryway designs for homes are available for free, and you can simply get them by either clicking the download link or using 'Save As' command from right click.
There are a number of principles that you might need to pay attention when creating a modern-styled room. First and foremost is comfort, you would want your room to be comfortable more than anything. This is why many design interiors found in
entryway designs for homes are created with simplistic, chic, but thoughtful touch. As minimalism is one of the primary concepts of many modern designs, such thing is to be expected. You can see from the images featured here inentryway designs for homes that many of the bedroom designs are simple, but nonetheless awesome.
Ever since the pictures are posted at March, 16 2017, the number of views have reached views till this day. Many visitors are seemingly interested in browsing through some of the best room makeover pictures here. There are a wide variety of style to try as well as colour scheme combinations to think of! With entryway designs for homes though, the process is not as difficult as one might imagined first. You can also download these pictures in HD resolutions without having to worry about consuming too much space since the pictures are compressed.
entryway designs for homes provides some of the most interesting details that you could definitely pay attention to your own project. You can see a wide range of furniture combinations, as well as how experts make their room looks comfy by learning from these picture references. Hope you enjoy your stay at entryway designs for homes! It will be updated regularly for more fresh and unique interior design ideas!
45 foyer ideas for custom homes – love home designs


text:
Salicylates/Corticosteroids Interactions
This information is generalized and not intended as specific medical advice. Consult your healthcare professional before taking or discontinuing any drug or commencing any course of treatment.
Medical warning:
Moderate. These medicines may cause some risk when taken together. Contact your healthcare professional (e.g. doctor or pharmacist) for more information.
How the interaction occurs:
The cause of the interaction is not known. When these two medicines are taken together, your body may process your pain medicine more quickly.
What might happen:
You may experience a decrease in the effect of your pain medicine. You may also experience an increased chance for stomach ulcers.
What you should do about this interaction:
If you notice that your pain medicine is not working as well as it did before, contact your doctor. If you experience stomach pain or upset, or notice black, tarry stools, contact your doctor. It may be necessary to measure the blood levels of your pain medicine. Your doctor may need to adjust the dose.Your healthcare professionals (e.g. doctor or pharmacist) may already be aware of this interaction and may be monitoring you for it. Do not start, stop, or change the dosage of any medicine before checking with them first.
- 1.Klinenberg JR, Miller F. Effect of corticosteroids on blood salicylate concentration. JAMA 1965 Nov 8;194(6):601-4.
- 2.Elliott HC. Reduced adrenocortical steroid excretion rates in man following aspirin administration. Metabolism 1962 Sep;11(9):1015-8.
- 3.Baer PA, Shore A, Ikeman RL. Transient fall in serum salicylate levels following intraarticular injection of steroid in patients with rheumatoid arthritis. Arthritis Rheum 1987 Mar;30(3):345-7.
- 4.Edelman J, Potter JM, Hackett LP. The effect of intra-articular steroids on plasma salicylate concentrations. Br J Clin Pharmacol 1986 Mar; 21(3):301-7.
- 5.Lazor JM, Paton TW, Walker SE, Manuel MA. The effect of corticosteroids on salicylic acid disposition. Clin Pharmacol Ther 1987 Feb;39(2):205.
- 6.Koren G, Roifman C, Gelfand E, Lavi S, Suria D, Stein L. Corticosteroids-salicylate interaction in a case of juvenile rheumatoid arthritis. Ther Drug Monit 1987 Jun;9(2):177-9.


text:
Ulster Independent Clinic
245 Stranmillis Road, Belfast, BT9 5JH, United Kingdom Get Directions Tel +44 (0) 289 068 7444 Email firstname.lastname@example.com
- Radiology (MRI)
Other important information
As a customer of Bupa Global, you have access to additional medical providers. For details of these, please check Bupa's UK Facility Finder.
To find out if this facility is included in your cover, take a look at your plan's details by logging into your online area or contact your customer service centre using the number on your insurance card.
Our network of medical facilities offers cashless settlement for in hospital and day-case treatment, and in some cases also for out-patient treatment. Please contact the number on your insurance card for pre-authorisation of in-patient and day-case treatment.
Bupa Preferred Provider
A Bupa Preferred Provider is any provider of healthcare services which has satisfied the requirements of the Bupa Global Hospital Quality Programme as well as signed our standard provider agreement. The provider will accept direct settlement of bills for eligible treatment from Bupa Global for in-patient and in many cases also for out-patient services. Customers will only need to pay any deductible or co-insurance included on their policy, or for any incidentals not covered under their policy.
Our standard provider agreement requires hospitals to comply with the World Health Organisation safe surgery checklist and guidelines on hand hygiene, as well as to report core quality indicators such as clinical complaints and incidents.
All of the providers listed in our Facilities Finder have agreed to work with Bupa Global, and will accept direct settlement of in-patient bills, and in many cases also for out-patient services.
We want our customers to have the best possible experience when accessing hospital care. That's why we have designed a system of assessing the key hospitals and clinics where our customers access care worldwide. The Bupa Global Hospital Quality Programme evaluates medical facilities based on a number of defined criteria. Want to find out more about the programme?


text:
Daniel A. Mahoney, Janesville, WI (1955-2014)
October 27, 1955 - March 21, 2014
Daniel A. Mahoney, age 58, of Janesville, passed away Friday evening, March 21, 2014, at his home. He was born Oct. 27, 1955, in Ridgewood, Queens, NY, the son of the late Bernard and Patricia (Gledhill) Mahoney. He was married to the former Suzanne L. Fleming on July 6, 1984, in Aurora, IL. Dan worked for several companies in Janesville, retiring due to health issues from Freedom Plastics. He will be remembered and missed for being a great guy! He had a wonderful sense of humor, and always enjoyed making people laugh. Dan always wanted to work with young people, and was able to mentor many young men and women through rough times in their lives. He and Sue opened their home to many kids who needed a place to stay, or a receptive ear to listen! He was a very caring and generous man by nature.
Dan is survived by his wife, Sue; his five children: Michelle Cooper of Janesville, Gary (Becky) Anaral of Cambridge, WI, Michael (Jodi) Cooper of Milton, Robert (Jennifer) Adams of Winchester, VA, and Nicole Peterson of Janesville; his two daughters-in-law, Carrie Willi and Amy Cooper, both of Janesville; two brothers, Dennis (Maritza) Mahoney of Florida, and Kevin Mahoney of New York; two sisters, Kathy (Ken) Jannen and Terri Mahoney, both of South Florida; his 18 beloved grandchildren; many nieces; nephews; and friends, including two very dear friends, Roger and Donna Cather, of Janesville. Besides his parents, Dan was preceded in death by his son, Christopher Hollmann; and three brothers: Bobby, Richard, and Stephen Mahoney.
A Celebration of Life for Dan will take place from 1 until 5 P.M. this Saturday, March 29, 2014 at BOBBLEHEADS SPORTS BAR & GRILL, 2709 S. U.S. Hwy. 51 (Center Ave.) in Janesville.
Dan's family would like to extend their thanks to the staff of Mercy Hospice Care, and to two very dear people in Dan's life, Tricia Moen, and Dan's son, Gary, for their care, support, and love shown during Dan's final journey.
Whitcomb-Lynch Funeral Home & Cremation Services
21 S. Austin Rd., (608)752-2444


text:
from Anno 1900 Steampunk convention Luxembourg 2017 by PBase member The Heritage man
Unknown Image
There might be a mistake in the URL you entered. Please check the address and try again.
There is no image with id 148359516. It may have been deleted.
Email email@example.com if you have any questions.


text:
ObjectiveSync is a thin JDBC object persistence library. If features querying done in SQL, centralized object marshaling and unmarshaling where each object should know how to sync itself and its descendants, a single syntax for inserting and updating, Ruby-like objectivized JDBC fetching with exception handling, user-definable deep fetching and updating (almost Hibernate-like), batch API to avoid round-trips when submitting multiple queries, stats collection, and more.
Directy CMF is a content management framework that provides basic functionality required for creating Web sites and publishing Web content. It makes it easy for developers to add CMS functionality to applications built with the ApPHP MVC framework. Key development principles for the provided set of bundles are modularity, usability, documentation, and intuitive coding. This framework is intended to be easily customizable, in terms of both the types of content used and the policies and services it provides. It allows to you extend the functionality of the base application with your own independent modules.
The adventure PHP framework (APF) is a utility to implement object oriented and generic PHP Web applications. It allows the developer to create programs in compliance with approved software design patterns, and the code base already has answers to many everyday problems. The framework cannot be described as an application that only has to be configured, but rather as a technical basis and design guide for the design of software. Further, it introduced many concepts and efficiency tools already well known in the Java community.
Seed7 is a general purpose programming language. It is a higher level language compared to Ada, C++, and Java. In Seed7, new statements and operators can be declared easily. Functions with type results and type parameters are more elegant than a template or generics concept. Object orientation is used when it brings advantages and not in places when other solutions are more obvious. Although Seed7 contains several concepts of other programming languages, it is generally not considered as a direct descendant of any other programming language.
ApPHP MVC Framework implements the Model-View-Controller (MVC) design pattern and principles, including separation of display, logic, and data layers. It provides an architecture, components, and tools for developers to build a complex Web applications faster and safer. It is designed to provide modern and rapid development of websites, Web applications, and Web services. Choosing ApPHP MVC Framework allows you to release your applications earlier, host and scale them without problems, and easily maintain them over time.
TCPDF is a PHP class for generating PDF documents without requiring external extensions. TCPDF supports all ISO page formats and custom page formats, custom margins and units of measure, UTF-8 Unicode, RTL languages, HTML, barcodes, TrueTypeUnicode, TrueType, OpenType, Type1, and CID-0 fonts, images, graphic functions, clipping, bookmarks, JavaScript, forms, page compression, digital signatures, and encryption.


text:
Before the ring of the cash register bells
To work at the cash register implies finding pleasure in the contact with people. Many foreign languages are used frequently and so with one visitor English is spoken, with the next French, and with the third one, one might be happy that Danish or Swedish is one's own mother tongue. During the weekends and during the large and well attended exhibitions the cashiers might serve as many as 1000 clients a day and therefore an inner calm and relaxedness are advantageous: the cashiers might explain the content of the different ticket combinations or hand out acoustic guides, they might welcome school classes or inform about the different public workshops, and so on. It is wonderful that all of our employees work on a part-time basis: this means that upon returning after their other jobs as singers, actresses, students, psychologists and the like, they are reinvigorated by having pursued their main occupations and motivated to work in our finely-tuned team. And so working "at the front" is an interesting challenge and can be viewed as a kind of schooling for life.
Gabriela Blumer Kamp
The work in the background is a bit less colorful than "at the front" with its many visitors from around the world, but it is just as challenging and exciting. In this office we set up and record the different kinds of entrance tickets and we amend, adjust or supplement them to the different exhibits or events. We distinguish between regular tickets to our permanent collection, tickets to the temporary exhibits and combination tickets. Of course, within these three kinds of tickets there are many subclasses. For example, there are the regular tickets, the reduced entrance tickets and the group tickets. Further subdivisions relate to the different offers and visitor groups, for example for members of the press and members of artistic associations, for cultural workers and for people needy of social reductions, for school classes with reservations from the city of Zurich, the canton, as well as national and international ones. Then there are special offers for RailAway trips, for the Migros Club School, workshops for children and adults, the Kunsthaus Night special events, public and private tours, membership programs and so on. All in all there are more than 250 different kinds of tickets which are made up by different kinds of offers and visitor groups and which need to be recorded by the cash register operators. The daily bookkeeping is controlled in the back office and all the different kinds of tickets issued each day are incorporated in a visitor statistic which reflects the variety of tickets, exhibits and events. It is thus possible to review the current number of visitors per offer, the structure of the visitor body as well the sum of the revenues at any given moment.
Martina Angst


text:
Sound Off for Wednesday, May 7, 2014
On heroin epidemic: Rock and Jefferson counties want to get a hold on heroin, but don't they know alcohol is killing more and disrupting more families than heroin? Society has pussyfooted around alcohol and drugs with plea bargains and no felonies after multiple drunken drivings. How about getting tough?
-- I read the "Heartbreak of Heroin" package in Sunday's Gazette. In regards to the treatments listed, Mercy Option addiction treatment programs, which offer several levels of programming for treatment of addictions, were not mentioned anywhere, and I was curious why.
On voter ID law: So the law got struck down; how wonderful. I'm sure it makes Democrats happy. That means illegal aliens, the dead and everyone on entitlements can continue to vote for them.
On Milwaukee Brewers: Prediction: Over the next few weeks and perhaps months, the Brewers bandwagon is going to get lighter and lighter.
On good people in Janesville: I stopped at Perkins last Wednesday for a piece of pie and a cup of coffee when I was shopping. Some nice person paid for my pie and coffee, and I have no idea who. I want to thank them very much.
On immigrants: The main reason that most people object to illegal immigrants is the costs to schools, hospitals, welfare, health care. Taxpayers have had to give up their rights so others can get their wrongs.
On joblessness: Last month another 800,000 people were taken out of the workforce. Our employee participation rate is now 62 percent. Only 62 percent of people of working age are gainfully employed, yet the unemployment rate is only 6.3 percent. The Catholic Church should investigate this miracle because it could be that the president is in line for sainthood.
On Benghazi: I looked in The Gazette on Thursday. I thought, OK, deadline was missed on new emails about the terrorist attack. Friday, still nothing about the emails. Did your news services break down?
-- Hillary Clinton told the father of one of the slain Americans that we will find the person who made this video and bring him to justice. Now we know the whole story about the video was a lie, and that's what this probe into Benghazi is about—not Republicans trying to make political hay. The people have a right to the truth no matter what the news media think.
-- Imagine the Bush administration had left four Americans to die while they pleaded for assistance and then concocted and disseminated a lie about it and the truth had to be forced out through the courts. Do you think there would be news coverage? That's what happens with the Obama administration, and we're told Hillary Clinton should be our next president.
On Sheridan candidacy: I'm a lifelong Democrat, but I will never vote for Mike Sheridan again. I just don't think you can trust him.
On Republicans: Our grandchildren won't have anything if Republicans get in power. Republicans need better brains. They live out "The Wizard of Oz" characters. Helpful advice: When you give your two cents, make sure you have enough left over to live on. Better-paying jobs? Right. Republicans keep voting down minimum wage.
On outdoors columnist: As a woman, I am not a sports enthusiast or a hunter but I truly enjoy fishing. I'm reading Duncan Pledger's column about his experiences outdoors (8B, Sunday). I will miss his columns immensely. I wish him well.
On roundabouts: Regarding Sunday's Sound Off, I lived in Illinois where we had a roundabout, and women would not go through because it was too dangerous. I think they're dangerous. I don't like the one on Racine Street. I think it's crazy. You go round and round and don't know where you are going to end up. Please don't put any more in Janesville.
On golf story: Edgerton's golf team wins the Ashenfelter Invitational, yet the pictures for the story are of Craig and Parker golfers. Just one more reason I did not renew my subscription.
On state politics: Mordecai Lee said people who vote in midterms tend to be older and wealthier (Page 2A, Monday). He forgot smarter. Everyone shows up for presidential elections. People who come to midterms are generally more educated and politically savvy. If you're too lazy or disinterested to educate yourself, do the country a favor and stay home.
On faith: Questioning your faith? You need to see the movie "God's Not Dead." It will answer a lot of your questions.


text:
Incumbent Binnie wins Whitewater council primary
In Tuesday's primary for Whitewater City Council, District 4, incumbent Lynn Binnie and challenger Paul Yvarra collected the most votes to set up a face-off in the general election April 1.
According to unofficial results from the Walworth County Clerk's Office, Binnie secured 152 of 209 votes Tuesday. Yvarra was second with 30, followed by Gregory Meyer with 26.
Binnie, who has been in office since 2008, campaigned on a platform of balancing the need for student housing in Whitewater while also preserving single-family neighborhoods.
Other Walworth County primary totals, not including late arriving absentees, were:
--Challenger Charlene Staples and incumbent Carl Redenius will meet up for Redenius' District 5 seat on the Walworth County Board. Staples collected 169 votes and Redenius gathered 126. Challenger Daniel M. Boss finished third with 112 votes.
--In the town of Richmond Board Supervisor 4 race, incumbent Tom Kraus collected 80 votes and challenger Greg Scott came up with 29 to advance to the general election. Challenger Martin J. Brunner finished third with five votes.
--In the race for Sharon village president, Mark A. Ruosch was first with 91 votes as Michael H. Hornby was second with 33. Challenger Michael Brooke was third with 22 votes.
Ruosch and Hornby will face off in April to replace Diana Dykstra, who announced in September that she was stepping down after her third, two-year term.
Last updated: 12:23 am Wednesday, February 19, 2014


text:
A story centered on an affair Howard Hughes had in the late years of his life with a younger woman.
Centers on Hollywood's first wunderkind studio executive in the 1930's, Monroe Stahr, and the power struggle between him and his mentor and current head of the studio Pat Brady.
A young woman is dealing with anorexia. She meets an unconventional doctor who challenges her to face her condition and embrace life.
A young girl named Mija risks everything to prevent a powerful, multi-national company from kidnapping her best friend - a massive animal named Okja.
Fansite dedicated to the talented actress Lily Collins!
My advice for girls who are waiting for their Prince Charming is to be open for anything. Be open to new experiences, be open to the idea that it may take longer than you want, but if you're open to meeting new people and new adventures, then love will come along.
Lily for Angeleno magazine
Gallery Links:
Magazine Scans > Scans from 2017 > Angeleno (March).
Your email address will not be published. Required fields are marked *
Name *
Email *
Notify me of follow-up comments by email.
Notify me of new posts by email.


text:
Chase Park
4701 N. Ashland Ave. Chicago, Illinois 60640
(312) 742-7518
Fee: Free
Age Range: Any
AnnieLittle Orphan Annie (Aileen Quinn) dreams of the day when her parents will rescue her from evil Mrs. Hannigan?s (Carol Burnett) orphanage for girls in this heart-warming musical. Her dreams are dashed, however, when she discovers her family was killed in a fire. But Annie finds happiness with millionaire "Daddy" Warbucks (Albert Finney), who reluctantly falls in love with this precocious little red head.
Rated PG | 128 minutes | 1982*Closed Captioned
Presented by Charter One, with additional support from RCN.


text:
The largest U.S. banks enjoyed lower funding costs than smaller rivals during the 2008 economic crisis although that advantage has declined or reversed in recent years, according to testimony from a government watchdog.
A study by the Government Accountability Office (GAO), to be released in full later today, comes after two years of congressional and industry debate over whether large banks continue to get what has come to be known as a too-big-to-fail subsidy despite regulatory changes. Senators Sherrod Brown, a Democrat from Ohio, and David Vitter, a Louisiana Republican, requested the report in January 2013 and have scheduled a Senate Banking subcommittee hearing on it today.
The GAO study found that the largest banks receive more of a market advantage during financial turmoil than during economic boom times. However, the watchdog found that such advantages declined or reversed in 2013, according to testimony from Lawrance Evans, director of financial markets and community investment for the GAO.
"In times of crisis, the advantage is even bigger to the big banks, and that's particularly alarming," Brown said in a Bloomberg TV interview.
The report appears to provide support for both sides of the debate: Community bankers can claim they are still at a disadvantage. The largest financial institutions can highlight the decreased level of any advantage.
Voter anger soared over the use of hundreds of billions of taxpayer dollars to save large banks during the 2008 financial crisis. In response, Dodd-Frank gave regulators stronger authority to dismantle large troubled financial institutions. It also imposed higher capital and liquidity standards, as well as annual stress tests to assure they can withstand future crises.
A Treasury official who asked not to be named in advance of the report's release said it shows that the advantage banks enjoyed during the crisis has largely been eliminated.
"These findings reflect increased market recognition of what we have consistently said: Dodd-Frank ended 'too big to fail' as a matter of law," the official said in a statement.
According to Evans' testimony, the GAO found that the largest banks had lower funding costs during the 2007-2009 financial crisis and those differences have since declined. The agency found "mixed evidence of such advantages in recent years." Evans didn't quantify the size of the subsidy.
In general, the GAO found that Dodd-Frank reforms, such as enhanced capital and liquidity standards, make the likelihood of a government bailout less likely while not completely eliminating it, Evans said.
'Competitive Disadvantage'
"Regardless of the size of the subsidy, a subsidy is a subsidy, and it ebbs and flows but there is always subsidy," said Camden Fine, president of the Independent Community Bankers of America. "Therefore, there is always a competitive disadvantage for community banks against mega-banks."
Representatives of large banks have argued that any market advantages accruing from the notion that the government will rescue them in a crisis are insignificant. The Clearing House Association, which represents the largest commercial banks, released a report on July 28 that found "no evidence" that large banks enjoy any competitive advantages associated with market perceptions of implicit government support.
"We found that the funding differential has substantially subsided and some of the reports actually show there are no funding advantages," Paul Saltzman, president of the Clearing House Association, said in an interview. "Regardless, those funding differentials are more than offset by the macro-prudential rules that are targeted to the large banks."
Rob Nichols, president of the Financial Services Forum, a trade group representing CEOs of the largest financial firms, said any subsidy results mostly from investors' preference for stability, diversity, and liquidity of the large banks.
"The GAO report confirms what we have seen in many recent studies: any cost-of-funding differential large banks once had has been dramatically reduced if not eliminated," Nichols said in a statement. "Any very small difference remaining is consistent with cost-of-funding differentials seen in larger businesses across all sectors of the economy."
Brown said the report reinforces his view that in times of crisis investors rely more on large banks.
"What matters is the investors, the market thinks 'too big to fail' still exists," Brown said. "In times of economic crisis they are going to go in greater number to larger banks getting even bigger subsidies than they do now."
Persistent Perception
Some lawmakers remain unconvinced that Dodd-Frank solved the-too-big-to-fail perception and have called for changes including higher capital requirements, decreasing the size of institutions, and new bankruptcy rules.
Brown and Vitter have proposed legislation to require banks with more than $500 billion in assets to hold capital of at least 15 percent of their assets, which is more than double the international Basel III standard.
Senators Elizabeth Warren, a Massachusetts Democrat, and John McCain, an Arizona Republican, have introduced a bill that would create a new version of the Glass-Steagall Act, the Depression-era measure that separated commercial and investment banking until its repeal in 1999. Neither the Brown nor Warren bills have seen movement in Congress.
The Dodd-Frank Act defines banks with at least $50 billion in assets as "systemically important," subjecting them to additional rules and regulatory oversight. Regional banks have fought to increase that threshold to cover just the largest financial institutions.
The International Monetary Fund released a report in April that found that even after Dodd-Frank was adopted, the biggest U.S. banks saved $70 billion in funding costs because of their size. The New York Federal Reserve published a paper in March showing the five largest banks paid on average 0.31 percentage points less on A-rated debt than their smaller peers from 1985 to 2009. The report didn't account for regulatory changes since the passage of Dodd-Frank.
It is unclear how much the debate over large banks' advantages will subside with the GAO report. Brown is among those in line to be Banking Committee chairman if Democrats retain the Senate.
"Unfortunately this is an issue that can only be proved one way or another in the next crisis, and no one wants that to happen," Saltzman said.