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Five years after the fall of Lehman Brothers, many financial industry analysts are reflecting on the lasting impact of the global financial crisis—and whether a similar situation could arise again in the future.
Treasury & Risk put that question to actuary and financial risk management consultant Max Rudolph. As the founder and principal of Rudolph Financial Consulting, he helps companies analyze how their myriad risks aggregate at the company level and how different risks interact with one another.
He also conducts extensive research on enterprise risk management (ERM) and authors an annual survey of emerging risks for the Society of Actuaries.
T&R: At a systemic level, how well have the global financial markets evolved to avoid future financial crises?
Max Rudolph: Horribly. I'm working on a research project on the low-interest-rate environment, and although I don't see problems that are as obvious as the problems in the residential mortgage market back in 2007, I do see four bubble risks in the global economy. One is another systemic bubble around excessive leverage. U.S. government subsidies continue to drive down interest rates, so companies are taking on more leverage than they would if rates were higher. That's a given. The problem is that we don't always see where the excessive leverage is until either interest rates go back up or an asset class starts to blow up.
The second is a bubble in farmland prices, which have jumped a lot over the past few years. The third is a bubble in the high-yield credit risk market. That's not as bad as we've seen in the past, so that one might continue to grow for a while before it bursts.
And then the fourth bubble is in the movement back to making loans easier on the borrower. Some of the Dodd-Frank regulatory changes have gotten quite watered down, and we're seeing companies taking on some of the same risks they were taking on before the financial crisis, using 'covenant-lite' loans and similar vehicles. I thought those lessons were learned five years ago, but apparently they weren't.
T&R: How should knowledge of these bubbles impact the day-to-day financial and operational decisions of individual companies?
MR: Well, the systemic leverage and covenant risks certainly cascade down to individual businesses. If you're given the chance to borrow at 2 percent, you can come up with all kinds of opportunities that meet that threshold but wouldn't pass muster with a 6 percent threshold. It's critical to have somebody on staff looking at financial risks from a what-if, stress-test perspective. What if interest rates go to 10 percent? How big of a deal would that be? You can avoid a lot of problems with scenario analyses.
One of the most interesting changes that I've seen in enterprise risk management since the financial crisis is a heightened interest by the board and other stakeholders. Practices are often driven by the interest of the board; as soon as the board starts asking questions, senior management is going to take ERM more seriously. And we've seen corporate boards, and rating agencies as well, increasingly asking questions like 'What keeps you up at night?' They're trying to supplement the economic capital models. The models are important, but as the saying goes: Every model has benefits, but every model is wrong as well.
In the Emerging Risk Survey, we ask, 'Are you, as a risk manager, being asked to predict the future?' Respondents have said, 'We're not being asked to predict a specific future, but we're being asked to present a range of futures.' That's exactly what I hoped to hear, and that response has become more prevalent over time. More and more risk managers are being asked to look at what-if scenarios and different stress tests.
T&R: What types of risks are companies using scenario planning to evaluate?
MR: It depends on the company. If you're talking about a bank or an insurance company, the financial risks tend to be the primary exposures that they have, so that's what they spend the most time on. Obviously a manufacturing or services company is going to spend more time looking at operational risks. But financial, operational, and other risks can be closely intertwined. For example, look at the Deepwater Horizon accident at BP. That's had a huge financial impact, but the underlying drivers of the accident were operational, not financial. If BP had spent more time looking at their risks and the potential downside of those risks, they might have avoided at least some of the problems resulting from that accident.
T&R: Are you seeing significant changes in how companies manage their financial risks?
MR: Since Hurricanes Katrina and Sandy, a lot of companies have been spending more time on things like supplier and vendor risks. They are reducing their reliance on suppliers concentrated in one geographic area. Unfortunately, with regard to other financial risks, companies would rather herd with everybody else than be the outlier. They would rather go over the cliff doing the same practice that everybody else is doing than to step out and say, 'This practice doesn't make any sense.' That's been a real disappointment to me.
T&R: Does that mentality generally come from the board?
MR: For public companies, it's hard. If you don't meet your quarterly targets, you'll have an activist investor after you, and you won't stay in charge very long if you aren't using practices that are common in the industry. It's a little easier for a private firm or a family-owned firm to make those tough decisions.
T&R: Since the financial crisis, have companies begun taking a more holistic approach to risk management?
MR: Yes. More and more companies are trying to overcome their internal silos when it comes to risk management. So, for example, suppose a company has currency risk in three different geographic regions; say its business is segmented into operations in North America, South America, and Europe. Each of those three units has always had currency risk, but in a lot of companies there's now more of a proactive attempt to manage the risks from a corporate perspective. So the company might have more internal currency trading going on, as opposed to the business units going outside to a third party to hedge their foreign exchange risk. I see a lot of companies managing risk much more holistically than they did in the past.
T&R: So, what's the key to implementing best practices in ERM?
MR: The key to successful enterprise risk management is for companies to think of it as a process and not a project. A lot of companies will bring in a consultant and say, 'We want to implement ERM.' But as soon as the consultant leaves, the ERM initiative goes up on the shelf. The company may pull it out if a ratings agency asks for it, but it's not actually embedded in the risk culture of the firm.
One of the most important ways to achieve best practices in risk management is to make sure it's not just top-down—not just the CEO saying, 'We need to be doing this'—but also bottom-up. The lowest-level person should be thinking about risk when they're doing their job. They should perpetually be saying, 'Does this make sense, or does this not make sense?' Companies should have a risk culture in which people are encouraged to speak up if they see something that doesn't pass a test of common sense.
In the insurance industry, there are some great stories where an employee who is right out of high school is hired to process new policies and notices something that looks odd. Maybe 10 policies in a row from the same agent all look really similar. When people like that have the wherewithal, the confidence, and the encouragement to say something, they can uncover fraud.
T&R: Where do you think corporate risk management practices are currently lacking?
MR: Right now—at big companies, especially—many chief risk officers are not as contrarian or as skeptical as I think they should be. The culture at big companies tends to be a little bureaucratic, so risk managers often get to the top by avoiding situations that would make waves. But the best CROs are the ones who are comfortable challenging the status quo and asking questions.
That comes back to the risk culture, which is usually driven by the CEO. Companies always need to keep pushing to encourage skeptical practices, to not just have one view of the world but to have multiple perspectives. It's very important to risk management to have people playing devil's advocate, not just accepting whatever the CEO says as right. None of us is perfect.
T&R: That would require a big cultural change in a lot of companies, wouldn't it?
MR: Yes, it would be a major undertaking. It's not common practice today—and in my mind, that decision-making risk is one of the biggest concentration risks companies have. A small number of people are making all the decisions, which reduces a company's likelihood of having normal results. That could be either a positive or a negative. When decision-making is in the hands of just a few people, the company has a higher probability of having better-than-average results, but also a higher probability of having worse-than-average results.
One other problem with current risk management practices that I've found in my research on emerging risks is that the time horizon many companies use to evaluate risks is far too short. A lot of organizations have trouble getting beyond one year, and very few are comfortable going beyond the end of their business plan, which is three—or, at most, five—years out. But companies really need to look at emerging risks from a long-term perspective. Sometimes something that seems like a positive may have negative consequences, or vice versa. Think about what would happen if medical researchers found a cure for cancer. That would be great for individuals, but if it involved a recurring cost every year, like the HIV solution does, then health insurers would take a big hit. This very positive event would have an unintended negative consequence for health insurance companies.
Corporate risk managers need to think through all kinds of scenarios over multiple time periods. They need to get past the mind-set of 'Let's look at this over a three-year period because that's the length of our incentive compensation plans.'
T&R: How can a company determine what sorts of scenarios to analyze if its time horizon is 20 or 30 years in the future? How should risk managers narrow down all the millions of different things that could possibly happen that would affect their business in some way?
MR: It's incredibly hard. The first step is to make sure the risk management team is not taking an insular perspective. They should talk to people who are experts in scenario planning, maybe follow some outside sources in the areas that they're looking at. The World Economic Forum and our Emerging Risk Survey do some good work on emerging risks. Talking to a third party can help companies think about things in a different way that may not come naturally to most people.
T&R: Is it also important for risk managers to make sure they're getting out and about within the company, that they're engaging people in operations, finance, and other areas in conversations about risks the organization may face?
MR: Yes, that's incredibly important. One thing I've always suggested to people is that when you're right out of college and you have the opportunity to join the company's softball league or bowling league, you should. Twenty years later, when you're the chief risk officer, you're going to find that the operations managers you've known since they were 22 are much more comfortable talking to you about risk scenarios than they would be if they'd never met you before.
T&R: In companies that are doing a good job with ERM, what does staffing look like on the risk management team?
MR: A risk team needs to include people with different backgrounds. If your chief risk officer is an accountant, you'll want to also include people who have worked in operations, in investments. And one thing that's critical in ERM is to develop and share a glossary, a common set of terms. When I was working in a corporate environment, part of my job was to be what I called an interpreter. I'd sit in a meeting with our chief investment officer, chief financial officer, chief actuary, and CEO, and sometimes one of them would say something and one of the others would turn to me and say, 'OK, now say the same thing using words that I know.' It's interesting how quickly enterprise risk management can get stuck when people aren't speaking the same language.


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The American Chocolate Revolution
Though we may think of Europe as the epicenter of fine chocolate, America is arguably home to the world's most exciting community of up-and-coming chocolate makers.
What you see in America that you don't necessarily see elsewhere is a growing crop of "bean-to-bar" chocolate producers – artisans who are working directly with raw cocoa beans, often sourced directly from farmers. In their small labs in places as unlikely as Utah and Missouri, these producers are seeing the cocoa through from its raw form to its natural end — beautiful bars of chocolate that showcase as much of the flavor and character of the original bean as possible.
It sounds like a relatively straightforward process, but it's actually unusual. A lot of chocolatiers buy pre-made chocolate from larger companies, melt it down and make their own bars or confections. This is not to say their products are necessarily bad or inferior, but just as we support small-craft cheese and wine at Formaggio Kitchen, we also like to support small-craft chocolate as much as possible.
Our selection of bean-to-bar chocolate producers includes some of America's best: Minnesota's Rogue, Utah's Amano, Missouri's Askinosie and our very own Taza, located next door in Somerville, MA. (For more on how chocolate is made at Taza, click here.)
This week, we are lucky to welcome two bean-to-bar chocolate makers to Cambridge for an amazing first-of-its-kind beer and chocolate dinner tomorrow night at Green St. Grill. Brooklyn's Mast Brothers and Missouri's Patric will present their chocolates alongside craft beers from Sixpoint and Cambridge Brewing as part of a four-course meal that will also feature artisan cheese from Vermont's Jasper Hill Farm. It will be a rare opportunity to meet some of the producers leading America's chocolate revolution – not only do they make great chocolate, they are also cool, super-friendly people who love to talk about what they do.
On a recent visit to New York, I stopped in to try a couple of new origins at the Mast Brothers studio in Williamsburg, Brooklyn. The brothers, Rick and Michael, have recently begun buying cacao from a Venezuelan family and are making a lovely Ocumare bar that is earthy and tobacco-y, and an even lovelier "grand cru" bar from a place called Patanemo, with amazing flavors of cinnamon and plum.
I had first visited the Mast Brothers about a year ago and was heartened this time to see how their operation has grown (they are now making chocolate seven days a week), but also stayed true to its roots. They are still using the same small convection oven to gently roast their cocoa beans, and specially-fashioned Indian rice grinders (albeit slightly bigger ones) to grind cocoa nibs into chocolate liquor. As Rick, an avid beer brewer, told me last year, this could be just the beginning for artisan chocolate in America.
"There's the capacity in this country to have small chocolate makers on the same scale as microbrewers," he said. "There's always going to be demand."
Emily Shartin is the chocolate buyer at Formaggio Kitchen Cambridge.

subset: commoncrawl


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Sheil Park
3505 N. Southport Ave. Chicago, Illinois 60657
(312) 742-7826
Fee: $10.00 per ticket
Age Range: Ages 2-12 welcome
Dance the night away at Sheil Park with other Daddy/Daughter couples and enjoy snacks and punch! (Sorry Moms, this one is only for the Dads.) Professional photos will be available for $10. Mention the Daddy/Daughter Dance at That's Amore Florist for $11 wrist corsages & boutonnieres. Proceeds from photo and flower purchases benefit the new school street playground!


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Kathryn J. "Kathey" Peterson, Yuma, AZ/formerly Janesville, WI (1954-2013)
July 18, 1954 - September 28, 2013
Kathryn J. "Kathey" Peterson died Saturday, Sept. 28, 2013, at Grace Hospice in AZ. She was born on July 18, 1954, in Beloit, WI, to J.B. "Bud" and Bonnie (Gable) Eno; atended school in Evansville, WI, and Janesville, WI, and graduated from Hononegah High School in IL. She bravely battled ovarian cancer, always hopeful, never losing her beautiful smile or sense of humor. She was presently employed as a cashier at WalMart. Kathey loved and cared for animals throughout her life, leaving behind Lefty and Peetee.
Kathey is survived by her sisters: Judy Nelson of Rockford, IL, Sandra Snyder of Glendale, AZ, Georgia (Alan) Kingsley of Ooltewah, TN, and Sarah (Daniel) Jones of Janesville, WI; a brother, Ed Eno of Beloit, WI; a step-sister, Lisa (Podewels) Fischer of Adams-Friendship, WI; her fianc�, Jeff Ribeiro; and life-long friend, Diane Bradley. She was preceded in death by her parents.
BEST FUNERAL HOME in Peoria, AZ, assisted the family with final arrangements. A Celebration of Life was held Saturday, Oct. 5, 2013, at her home in Yuma.


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A funeral can be one of the most expensive purchases one may ever have to make. Having little to no knowledge of the industry, coupled with the added time pressure and emotional duress a person could easily be fooled and taken advantage of. Thacker Funeral Home must comply with the "Funeral Rule" or face the possibility of federal trade commission complaints being filed.
The "funeral rule" was enacted in 1984 and is designed to ensure that all funeral homes including Thacker Funeral Home provides consumers adequate information with regards to the products and services they are charged for.
As part of the "Funeral Rule", Thacker Funeral Home will provide you with a General Price List (GPL) that includes but not limited to, the expenses of funeral service items such as transportation to the cemetery and viewing or visitation services.
A general price list is available free of charge to any person who inquires in person at Thacker Funeral Home about funeral arrangements, regardless of their intent to purchase funeral services or not.
~ The Funeral Rule
Browse and order fresh flowers on-line and have them delivered to Thacker Funeral Home the same day!
Some restrictions apply.
Flowers can usually be delivered to Thacker Funeral Home about 4 hours after the order has been placed.
Browse Flower Options
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Contact Thacker Funeral Home in Pikeville, KY to help answer these questions. You may also find that on-line funeral resources can be helpful as well.
Are you the proud owner of Thacker Funeral Home? Create Your Free Account


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A. Jaffe Classics Wedding band MRS379-46
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Why the ARM architecture is shaped the way it is
35 comments
It is arguable that ARM and Intel, the two companies locked in head-to-head processor competition, represent two different poles and philosophies.
ARM is modestly British while Intel is brashly American. Intel's chips have been dominant in personal computers for decades while ARM's architecture has been market leader in cellphones and smartphones. ARM is skilled at low power and power efficiency and is trying to move up to higher performance. Intel has always pursued performance but is now working to offer low power versions of its microprocessors. Intel is an integrated device maker. ARM does not even sell chips but licenses out its processor architecture and circuit designs to semiconductor partners.
To understand why the ARM architecture and culture is shaped the way it is and is different to processor trailblazer Intel, let's go back to a time before the formation of ARM; to Cambridge, England in the mid-to-late 1970s, in the early days of EE Times.
Sophie Wilson is now engineering director and distinguished engineer at Broadcom but back in the 1970s Roger Wilson was a mathematics undergraduate with a strong interest in computing.
Wilson had joined the university's computer and microprocessor societies, student-run interest groups that held regular meetings and, in the case of the microprocessor society, produced a magazine.
"One of the articles I contributed was on low power but it was not my only area of interest," Wilson told EE Times.
However, Hermann Hauser, a Cambridge physics alumni, who was thinking what to do next in his career had the idea of creating an electronic pocket diary. Obviously, that would need to be battery operated and low power. He therefore asked around trying to find out who at the university might be able to design such a thing for him and Wilson remembers being approached after a university lecture by contacts of Hauser's.
Wilson had memorized the RCA CMOS logic handbook of 1972 at a time when most ICs were not made using CMOS. Initially CMOS logic was slower than TTL. However, because the logic thresholds of CMOS were proportional to the power supply voltage, CMOS devices were well-adapted to battery-operated systems with simple power supplies, in which the voltage might vary. "CMOS was graduating from 15-volts to 5-volts," recalls Wilson, which provided further power saving opportunities.
The result was that when Hauser asked whether Wilson could design such a low-power system the second-year undergraduate student simply said "yes!"
Click on image to enlarge.
Wilson started doing designs without any form of contract, just because that is what members of the computer and microprocessor societies liked to do. Each had their own favorite microprocessors and at this stage in the 8-bit era there were choices. Wilson had experience of designing around the 6502, including an early form of embedded system; an electronically controlled cow feeder for a firm in Harrogate.
The 6502 was designed by Chuck Peddle and Bill Mensch for MOS Technology Inc. in 1975 and when it was introduced was considerably lower cost than equivalents from Intel and Motorola. Mensch went on to form Western Design Center Inc. (Mesa, Arizona) which made the 65C02, the CMOS version of the processor.
At about the same time another Cambridge undergraduate was working for Science of Cambridge Ltd. on the Microcomputer Kit 14 (MK14) home-build computer, first introduced in 1977.
Science of Cambridge was one of the companies operated by Clive Sinclair (now Sir Clive Sinclair) whose Sinclair Radionics company had enjoyed mixed success in the UK supplying hi-fi audio electronics, and some of the earliest pocket calculators. The MK14 was based on a National Semiconductor 8-bit processor and the undergraduate was Steve Furber, now Professor Steve Furber of Manchester University.
Wilson remembers that it was while discussing plans for the electronic pocket diary Hauser pointed to other plans at the back of the sheaf of papers. These were Wilson's own plans for a personal computer. "At the microprocessor society we all had our own designs," Wilson recalls.
Wilson remembers that at this time the MK14 was starting to get press coverage and it seemed like personal computers might be about to take off. Hauser asked if Wilson's personal computer design would work. Wilson simply said "yes." That was that design that went on to form the Acorn System 1 personal computer based on the 6502.
Click on image to enlarge.


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Ph.D. Database
The aim of the IACR Ph.D. database is twofold. On the first hand, we want to offer an overview of Ph.D. already completed in the domain of cryptology. Where possible, this should also include a subject classification, an abstract, and access to the full text. On the second hand, it deals with Ph.D. subjects currently under investigation. This way, we provide a timely map of contemporary research in cryptology. All entries or changes need to be approved by an editor. You can contact them via phds (at) iacr.org.
Contact: phds (at) iacr.org
[ IACR home page ] [ IACR PhDs page ] © IACR


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Brazil's World Cup mascot under threat
The animal that inspired Brazil's 2014 World Cup mascot, the three-banded armadillo, is facing extinction.
Supercomputer to revolutionise forecasts
Environment Minister Greg Hunt today unveiled plans for a new supercomputer at the Bureau of Meteorology.
Scientists unravel Eucalyptus DNA
Scientists have unravelled the DNA of a eucalyptus tree, gaining insights into its growth and adaptability.
Protecting reef should be a priority: poll
Most Australians want those in power to make protecting the Great Barrier Reef a priority a poll shows.
Hong Kong customs make major ivory bust
Hong Kong customs have seized illegal ivory hidden in luggage on a flight bound for Cambodia, officials say.
Salting roads cuts butterflies' lives
Covering icy roads with salt can save the lives of drivers but researchers say it could kill butterflies.
Greenpeace says Japan whale hunt rubbish
Greenpeace says Japan's decision to boost efforts to restart whaling is 'senseless.'
NZ walkers trip over Cretaceous fossil
Geologists in NZ have found an ammonite fossil, a squid like creature that lived amongst the dinosaurs.
Zoo vet shoots keeper in gorilla drill
A Spanish zoo vet has shot a keeper with a tranquilliser dart after a gorilla escape drill went awry.
BHP 20th in global carbon polluting stakes
A report has ranked Australian mining giant BHP Billiton 20th on a list of the 81 highest carbon emitters.
New Zealand ski season gets under way
NZ's ski season is under way with the opening of Coronet Peak, but Mount Hutt has delayed its opening.
Dredge spoil dumping near reef approved
The Great Barrier Reef Marine Park Authority has defended its decision to allow the dumping of dredge spoil.
NSW CSG operation under investigation
Conservationists claim toxic water leaking from a NSW coal seam gas operation is being investigated.
Tas forestry deal faces repeal first step
Tasmania's new government has taken a first step towards dismantling the state's forestry peace deal.
Skiers left high and dry on opening weekend
The country's ski resorts are lacking their usual cover of white before the ski season starts this weekend.


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The Tahoe basin always seems to get lucky with good weather whenever big events roll through. Maybe reverse cloud seeding come contest day? It all went down under the last glimpse of bluebird skies with a slopestyle course that sent riders plunging into each feature at Northstar-at-Tahoe though. Weather aside, the crowds were gathered and the mountain was thick with Dew Tour festivities.
Spencer O'Brien came into the slopestyle finals pre-qualified and somewhat sparred from the heated prelims the day before. Her first and second place finishes in Breckenridge and Mount Snow made her the overall points leader coming into the final event, but with heaps of loot at stake and the first Winter Dew Cup to be handed out—all the ladies were throwing it down.
Women's snowboarding legend Janna Meyen-Weatherby's combos of fives and sevens straight dominated the jump scene and left many wondering why she didn't land the top spot on the podium. Judging was split 50/50 between jumps and jibs though, and even though she linked some clean spins on the jumps it wasn't enough to make up for her mellower rail sections. It was badass to see Janna out killing it with the younger competition though.
Jamie Anderson laid down some of the smoothest runs of the day though. Clean cab fives and switch back fives with effortless style combined with switch jib combos set the bar pretty high. Even Chanelle Sladics with her sevens couldn't quite crack that top score. Spencer O'Brien on the other hand got pretty close and all she needed was a second place to seal the Dew Cup. Even though Jamie snagged a first place, Spencer racked up just enough points with her second place finish to take the overall cup.
For the dudes on the Dew Tour things shifted up a bunch after Friday's prelims. Top qualifiers and Norwegian shreds Andreas Wiig and Daniel Ek scrubbed the landings on both of their runs leaving ample room on the podium. Local Brandon Cocard had nothing but smiles during the whole competition and took a slice of the competition home for Tahoe. Tyler Flanagan more than held it down for the under-eighteen crowd. Kid straight killed it amongst the world's top pros dropping some clean tens with a little double cork flavor.
Pre-qualified Dew Tourers Mikkel Bang, Torstein Horgmo and Shaun White were let loose on the rest of the competition picking up top spots left and right though. Torstein's insane runs of 270 to front boards, front tens, boardslide 450s out, back nines and signature switch back twelves placed him up on the top shelf with no ladder in sight. Such a technical run flowing with style from start to finish was unmatched in the competition. Dan Brisse, Shaun White, and even Chas Guldemond couldn't quite scale the top and ended up rounding out the top four spots. First going to Torstein, second to White and third to Guldemond. Even though he didn't have a top notch run, Mikkel Bang still snagged third place in the overall cup. Torstein took home second overall while Shaun White snagged the slopestyle cup. Check back for the tour finale and the superpipe finals soon.
1st – Jamie Anderson – 87.50
2nd – Spencer O'Brien – 87.17
3rd – Janna Meyen-Weatherby – 81.50
4th – Chanelle Sladics – 76.17
5th – Torah Bright – 69.00
6th – Christina Curry – 56.50
1st – Torstein Horgmo – 93.50
2nd – Shaun White – 89.67
3rd – ChasGuldemond – 88.00
4th – Dan Brisse – 78.33
5th – Brandon Cocard – 77.67
6th – Brandon Reis – 74.50
7th – Tyler Flanagan – 73.67
8th – Scotty Lago – 70.33
9th – Mikkel Bang – 65.50
10th – Nick Poohachoff – 63.17
11th – Daniel Ek – 51.00
12th – Andreas Wiig – 43.83


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Dr. James C. Hamilton, Clinton, WI (1935-2014)
March 27, 1935 - April 14, 2014
Dr. James C. Hamilton, age 79, died peacefully after a long battle with Parkinson's Disease on Monday, April 14, 2014, at Alden Meadow Park Health Care Center surrounded by his family. Jim was born March 27, 1935, to the late Roger A. and Helen E. (Carter) Hamilton in Des Plaines, IL. In 1945, the family moved back to Clinton, when Roger took over the family business: J.A. Hamilton & Sons Department Store. Jim graduated salutatorian from Clinton High School in 1953, attended Grinnell College until 1957, and graduated from Marquette Dental School in 1961. He married Shirley Walker on Feb. 14, 1959, in Beloit. They started their family and Jim opened a dental practice in Gays Mills, WI. In 1967, they moved back to Clinton, to be closer to family when Jim worked with Dr. George until he bought the practice at the corner of Allen Street and Cross Street in Clinton. Jim practiced dentistry in Clinton, for 30 years until his retirement in 1996, when he sold the practice to Dr. Herlihey of Roscoe, IL. Jim was an active volunteer in Clinton, including a choir member, elder and deacon at First Presbyterian Church, Cub Scout & Boy Scout leadership, Town of Clinton planning board, Clinton School board member and meals on wheels volunteer.
Jim is survived by his wife, Shirley; his five children: Jan (Scott) Crowley of Elkhorn, WI, Roger (Pam) Hamilton of Maple Grove, MN, Sue (Dan) Blair of Clinton, Beth (Mark Bedford) Hamilton of New Windsor, IL, and Rob (Amy) Hamilton of Cambridge, MN; 18 grandchildren: Laura (Rami) Lajin, Megan (Brian) Wolff, Lisa (Adam) Brown, Lee (Selina) Crowley, Emily Hamilton, Sloane Smith, Thomas Hamilton, Natalie Hamilton, Christina Bedford, Will Hamilton, Joseph Hamilton, Claire Hamilton, Andrew Hamilton, Noah Hamilton, Lily Hamilton, Jemima Hamilton, Daisy Hamilton and Gideon Hamilton; eight great- grandchildren; his brother, Keith Hamilton; and his sister, Ellen (Mitzi) George. He was preceded in death by his parents.
The family would like to thank Jim's caregiver, Leslie, Alden Meadow Park and Mercy Hospice for their personal and compassionate care.
Jim's Memorial Service will be at 12 Noon on Tuesday, April 22, 2014, in the FIRST PRESBYTERIAN CHURCH, 312 Church Street, Clinton, with Rev. Courtney Ellis officiating. Friends will be received on Tuesday at the CHURCH from 10 a.m. until the time of service. The family will proceed to a private gravesite service at the Clinton Cemetery, to be followed by a community lunch at CHURCH to share memories of Jim. Memorial gifts should be directed to First Presbyterian Church or Mercy Hospice. Please share a memory or a condolence with the Hamilton family on our website.
Brian G. Mark Funeral Homes
504 Milwaukee Road, Clinton 362-2000


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Our Views: Janesville council misses budget opportunity with inaction Monday
If city council members plan changes in Janesville's 2014 budget, they missed a good opportunity to pitch their ideas Monday.
Instead, they listened to a handful of residents speak during a public hearing, then went on to other business. If they had changed the tax levy or services Monday, they would have given residents another crack at commenting on those adjustments during the second and final hearing Monday, Nov. 25.
Acting City Manager Jay Winzenz says the council is due to enact the budget that evening. Debate over 2014 sidewalk installations also will continue Nov. 25. The crowd of sidewalk critics will return. So if council members want to discuss changes in the budget, they set themselves up for a long meeting in Thanksgiving week and will force residents commenting on the budget or sidewalks to sit and wait in a longer line to the podium.
While it was disappointing to see so few residents speak on the budget Monday, that doesn't mean more won't turn out Nov. 25. After all, as The Gazette's top headline last Saturday proclaimed, "Fees up, services down." Lap swimmers, who at times must wait in line, are incensed that the city could drop the evening half of its morning-evening program at Marshall Middle School to save the school district's charges to the city. They have merit in reasoning that the district, which pays to heat and maintain the pools anyway, should work with the city to keep the program intact.
Likewise, some business owners might want to comment on plans to reduce snow hauling from terraces on side streets downtown. Climbing over snow banks won't help employees get to work. It also won't encourage customers to patronize downtown businesses in an era when the city keeps exploring revitalization ideas.
Credit the city for switching its budget process in recent years from one to two public hearings. Giving residents more opportunity to comment is always good. If the idea, however, was to let the council propose, debate and alter the budget after the first hearing so residents could respond to the changes at the second one, that notion was lost Monday.
Winzenz suggests that, in theory, you could create a never-ending cycle of changing the budget, letting residents comment, responding with more changes, offering another hearing, etc. That's true, though budgets must be enacted on fiscal schedules.
It's reasonable, however, to make changes after one hearing to provide residents a chance to consider them and comment before the document is final. Call Monday's inaction an opportunity missed.
Last updated: 5:14 pm Thursday, November 14, 2013


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Woman gets probation time for embezzlement
JANESVILLE—As she started to read a statement Wednesday afternoon in Rock County Court, Michelle Buggs looked over to the prosecution's table at the man whose company she ripped off for thousands of dollars.
"You didn't deserve this," Buggs told Doug Kelly, the owner of Janesville Brick and Tile.
Buggs, 46, of Janesville spoke through tears and nerves as she had for much of the hearing, where she pleaded guilty to one felony count of theft in a business setting of more than $10,000.
A few minutes later, Judge James Daley sentenced Buggs to five years of probation� and ordered her to repay more than $50,000, which she embezzled from Janesville Brick and Tile along with another woman.
If she doesn't follow her probation and pay Kelly's company back, she faces eight months in the Rock County Jail.
Wednesday's hearing brought an end to the criminal side of a saga that started when Buggs and Connie Corcoran started embezzling money from Janesville Brick and Tile, where they both worked.
The thefts jeopardized Kelly's business and forced him to take out a mortgage on his home, he told the court Wednesday. Missing that money compounded the effects of the 2008 recession, Kelly said, forcing the company to downsize.
"Today adds closure to an unbelievable experience suffered by our company, my family and our employees," Kelly said.
Corcoran forged 105 checks for herself and stole more than $240,000 from the company. Judge Richard Werner sentenced her to five years in prison Aug. 2.
Buggs embezzled less from the company—$53,547 between 2007 and 2008 from 15 forged checks.
"Two people put our lives on hold indefinitely, and the defendant is one of them," Kelly said.
Buggs pleaded guilty to the embezzlement charge as part of an agreement that saw a second felony count dismissed but read into the record.
Daley's sentence followed a joint recommendation from prosecutors and Buggs' attorney, Philip Brehm. Daley told Buggs he withheld the jail time because she has no criminal history.
His sentence came with a warning, however, that Buggs consider what led her to steal from the company and use her time on probation to regain the trust of those people she hurt.
"You're going to have to figure out why you did it to avoid doing it again in the future," Daley said. "Unless you know what … caused you to do this—I mean really know—you're still a danger to the public."


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Janesville woman finds meaning in loss by starting widows club
JANESVILLE—Annette Little is motivated to share what she has learned in her eight years as a widow.
"I have now put my grief aside and choose to use the strength and support I have received from family, friends and widowed friends to help others," she said.
That's why the Janesville woman established the Janesville Chapter of the Modern Widows Club, which is part of a national group.
"It's a group of widows of any age started because of our likeness that we're all widowed. It's a safe, comforting place where you can explore possibilities of what is next after becoming a widow," the Janesville woman said.
The mentoring group's goal is to help members find places to grow, evolve and thrive in this new life, she said.
After becoming a widow, Little didn't feel as if she belonged anywhere. She felt like a social outcast.
"I wanted a place where people can talk and discuss with someone who gets it, someone who's been there, someone who has had the struggles and someone who has gone through healing and growing after loss," she said.
Establishing the group helped Little find meaning with her loss, she said.
"I'm a Christian and believe this is the direction God took me after becoming a widow," she said.
Little's husband committed suicide when he was 47. At the time, their children were in sixth, ninth and 11th grades. She was 46.
Many younger widows, such as Little, lose their hope with the loss of their spouses.
"So when you start grieving, not only do you grieve the loss of your spouse but the loss of what you were going to be together and as an individual. You're no longer a wife and no longer have plans for when you retire and when your kids will be out of the house. It's very difficult to find that new life on your own," she said.
The Modern Widows Club can help, Little said.
"You can do it together, ask each other questions and support each other during monthly social gatherings," she said.
"They are to guide widows into keep choosing life and finding joy now and after their loss," Little said.
Little said the local Modern Widows Club chapter is one of 10 nationwide.
"There are approximately 3.5 million widows between the ages of 25 and 65, according to the latest census," she said.
Although a young widow in Orlando started the Modern Widows Club, it is open to widows of all ages.
"These widows live among us and need our help as they often feel invisible and are silent," Little said.
"Modern Widows Club gives widows a voice and provides a place to connect with other widows who can empathize and encourage. It provides a place to share trials, successes and all that happens as we enter our new lives," she said.
Twelve widows attended the first social gathering and mentoring session led by Little and co-leader Sherrie Szemraj, also of Janesville.
Those who were comfortable told their stories. Some had recently lost their spouses still were in the midst of serious grief, she said
Little stressed the Modern Widows Club is not a grief group, Little said.
"It's a nurturing place to continue healing and to explore what your new life can be," she said.


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Youth share plans on making a difference at Martin Luther King Jr. commemoration
JANESVILLE�— Members of the audience held hands with one another as they sang "We Shall Overcome" at the annual commemoration of Martin Luther King Jr. on Saturday at Blackhawk Technical College.
On stage leading the song were six students from Janesville's Parker and Craig high schools, Beloit Memorial High School and UW-Madison. The students read aloud excerpts from the book "Freedom's Children," by Ellen Levine. The book is filled with stories from people of all ages who fought segregation in the South in the 1950s and 1960s.
Jordan Peyer, 18, was one of the students who read aloud one of the stories.
He said the commemoration and celebration of King is personal to him because his mother is black and a father who is white. He also said King has set an example for him to challenge himself and get involved in his community.
"He inspires me to grow up and go out and do something," Peyer said. "To make use of the freedom I have."
Peyer plans to volunteer at such local organizations as ECHO before he heads off to Vassar College in New York.
This year's celebration had a theme focused on youth and how they can make a difference in the world.
During the ceremony, various students listed ways they hope to make the world a better place. Students cited using their music abilities, speaking up for what they believe in, sharing their love with all people and continuing their volunteer work.
At the ceremony five students were recognized for essays they wrote on how they would make the world a better place.
Audrey McManigle, 12, of Aldrich Middle School in Beloit, was one of the winners. She said she would continue her volunteer work at the St. Paul Lutheran Church soup kitchen each Wednesday during the summers and holiday breaks.
King's non-violent tactics in making a change for the better inspires Audrey to continue to volunteer.
"He didn't use violence, he used peace and marches and eventually he did get his message through and I think that was very important," Audrey said.
Along the walls of the Blackhawk Technical College student commons were art displays. Fourth graders from Harrison Elementary School created a colorful mosaic of King from squares the students painted. Displayed on a nearby wall were paintings of students' hands, each a different color, from second graders at Van Buren Elementary School.
Ren� Bue, bilingual outreach coordinator for Hedberg Public Library and member of the planning committee for the event, said she was consistently impressed with the children's artwork, performances and essays they wrote.
"I feel hopeful (for the future) because of what the students are thinking about and the things they value," Bue said.
This year's turnout, estimated to be in the low 500s, was not as large as last year's, estimated to be in the upper 500s, Bue said.
"I think the icy roads may have a lot to do with that … I think it was still a great turnout," Bue said. �
Leslie Bridges, 48, Beloit, and Charlene Buggs, 76, Beloit, have been coming to the event for several years.
"It's important to the community of Beloit and Janesville and to continue the community bridge,
�Bridges said. "This is one event that does that."
Even though Bridges is part of a generation that didn't witness the Civil Rights Movement, it is still her responsibility to maintain equality and keep King's dream alive, she said.
Both Bridges and Buggs believe there is room for growth.�
"I have seen a lot because I am older," Buggs said. "We have come a long way, but we have a long way to go."
Last updated: 7:40 pm Saturday, January 11, 2014


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Is Renesas Mobile's LTE gambit paying off?
9 comments
PARIS The silence has been deafening.
Renesas Mobile Corp. has been keeping a low profile for months, fueling concerns about the future of its mobile chip products. Those concerns have been heightened by the financial turmoil at its parent company, Renesas Electronics.
For now, Renesas Mobile is still standing.
The mobile vendor is still armed with its home-grown LTE modem chip, fully certified by AT&T and NTT Docomo.
Describing it as the best quality multistandard LTE modem that exists in the market -- after Qualcomm, Manfred Schlett (left), Renesas Mobiles vice president of sales and marketing, stressed that the company is focused on the global LTE chip market. Renesas has the LTE products with maturity and cost structure ready for in intense competition, Schlett insisted during an exclusive interview with EE Times here this week.
There is still one catch: Its customers have yet to roll out their new smartphones based on the Renesas LTE modem. As long as these products are not on the market, we have little to talk about, Schlett acknowledged, adding "LTE [design-in] opportunities are still quite limited."
It's been a tough year for Renesas Mobile and other mobile chip vendors. Unless their chips are designed into either Samsungs Galaxy S3 or Apples iPhones, they have no other volume sockets to pursue.
Despite a booming smartphone market, the industry has fewer mobile-handset OEMs. Domination by Apple and Samsung at the expense of Nokia and Research in Motion has dramatically narrowed the field for chip vendors looking for design-in opportunities -- with the exception of Samsung and Qualcomm.
Renesas Mobile's chips, capable of Category 4 LTE modem with 150 Mbps of throughput, will be ready for volume LTE smartphones in 2014. While there have been many claims about emerging LTE chip solutions, those with LTE modem chips already certified by leading carriers remain limited. Samsung may be cornering the Korean LTE market, but we have yet to see their LTE solutions in the market beyond Korea, observed Schlett.
Following a single-chip, dual-core, ARM A9-based apps processor combined with its LTE-3G modem, Renesas Mobile is preparing to announce by the end of the year a quad-core, single-chip multi-standard LTE modem/apps processor based on dual ARM A15 and dual A7 cores.
Here's more from our interview with Renesas Mobile's Manfred Schlett:
EE Times: What products does Renesas Mobile have for the mobile market?
Schlett: We have both a modem-only product and a single-chip apps processor/LTE-3G modem. Our LTE modem chip has been already certified by AT&T and NTT Docomo.
EE Times: How long does the certification usually take?
Schlett: Usually it takes about six to nine months for every carrier to do a general certification on modem chips. Once your modem chip is designed into a handset, that handset, then, needs to go through another six- to nine-month certification process Some carriers like T-Mobile/Deutsche Telecom initiate the certification process only after a modem chip is already designed into a handset.


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Eckersall Playground Park
2400 E. 82nd St. Chicago, Illinois 60617
(312) 747-6651
Fee: None
Age Range: All ages
In keeping with a tradition that began 45 years ago, more than 3,000 Special Olympics Chicago athletes will be participating in a "Parade of Athletes" at Soldier Field, the birthplace of the Special Olympics movement. Several athletes who participated in the first Games 45 years ago at Soldier Field will be acknowledged during the ceremony. A formal arrival and lighting of the ceremonial torch will also be part of the celebration.
The Opening Ceremonies serves as the formal start to three days of track and field competition, May 8-10, at Eckersall Stadium, 2423 E. 82nd St.. Special Olympics athletes will compete in athletics (track and field), basketball, cycling, gymnastics, soccer and tennis. Spectators are welcome.


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Death Notices for Jan. 4, 2014
Gazette staff
Saturday, January 4, 2014
Dale Allen Ammerman, 56, Beloit, died Wednesday at home. Memorial services will be held at a later date. Hansen-Gravitt Funeral Home, Beloit, is assisting the family.
Roberta Brown, 98, Beloit, died Friday at Pioneer Court, Beloit. Arrangements are pending at Daley Murphy Wisch & Associates Funeral Home and Crematorium, Beloit.


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Walworth County seeks tips in 1982 murder
ELKHORN—Walworth County authorities are hoping new ways to report tips lead to information about a woman's disappearance and murder, a crime that has gone unsolved for more than 30 years.
Barbara Nelson was 34 when she disappeared from her job at a gas station in the Dane County town of Albion on Aug. 5, 1982. Her body was found five days later in a field near Elkhorn.
The Walworth County Sheriff's Office on Friday asked the public for help in the 31-year-old cold case, hoping to get information about a vehicle that may have been involved in the crime.
Witnesses told police they saw "an older blue or green pickup truck," according to a news release, which might have been a 1961 Studebaker pickup.
"If you know of anyone who, back in 1982, owned or had access to a vehicle matching this description, please contact the Walworth County or Dane County Sheriff's Office," authorities wrote in the release.
There are three ways for people to give anonymous tips for the case, according to the release:
--By text message: send a text to "CRIMES" (274637), starting your message with "tip4wc."
--By phone: You can call (262) 723-2677.
--Online: go to tipsoft.com and click "Submit a Web Tip" on the right side of the screen.�


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Stomach bloating and weight gain
For discussing the functions of different structures of all organisms.
Moderator: BioTeam
Re: Stomach bloating and weight gain
YOU described my symptoms to a T.
I just made some posts about the BioEnergetic Intolerance Elimination treatment I am going thru.
I have never heard of Salicylate before. (btw: google search has the spelling different from yours, is this the same thing?)
Thank you so very much for the heads up!!! I will look into this immediately.
I have been scouring the internet for gluten free recipes. Looks like I have to invest into a bread machine & bake my own bread! Yikes! But at least there is no kneading with GF baking. lolololol
Gosh, I wish we were in the Star Trek era already, where the Dr.'s just waved a scanner over our bodies, pushed some buttons, and we were immediately fit as a fiddle. ))
Thank you for sharing.
Great News.....They think they have found the Cause!
ScienceDaily (Aug. 20, 2010)
Professor Michael Schemann's research team at the TUM Department for Human Biology has managed to demonstrate that micro-inflammations of the mucosa cause sensitization of the enteric nervous system, thereby causing irritable bowel syndrome. Using ultrafast optical measuring methods, the researchers were able to demonstrate that mediators from mast cells and enterochromaffin cells directly activate the nerve cells in the bowel. This hypersensitivity of the enteric nervous system upsets communication between the gut's mucosa and its nervous system, as project leader Prof. Schemann explains: "The irritated mucosa releases increased amounts of neuroactive substances such as serotonin, histamine and protease. This cocktail produced by the body could be the real cause of the unpleasant IBS complaints."
For FULL story click link
http://www.sciencedaily.com/releases/20 ... 141950.htm
Re: Stomach bloating and weight gain
Hi CheeMiss,
Thanks for the post of Schemann's theory - very interesting. To me, the term 'histamine release' certainly suggests that the body is trying to 'attack' something it doesn't like. Actually, that's what it feels like too...like there's a war waging in my stomach and I'm on the sidelines, waving the white flag. There's alot of good info about Sylicylates on the web - here's one that particularly good as it provides the (long) list of symptoms, explanations, food tables etc...http://salicylatesensitivity.com.
Thanks for your reply
Take care
Re: Stomach bloating and weight gain
Hi Aussie,
Thank you for the link. Yes, I have been checking the Salicylate Sensitivity since you pointed it out to me. I will look this link up too. Thx.
I found a better web site for the German Research...it will blow your mind. Just put what ever into their search window. They are making amazing new research discoveries even with nano technology
After reading about the over abundance of histamine, I popped one of my Claritin tabs this afternoon.
I have 4 tabs left, I will monitor my tummy over the next 4 days.
The BIE that I had this week, did not have time to clear my allergies, that will be done on the next visit and that will be the true test if BIE actually works.
The abundance of histamines makes sense, especially if one already has either food intolerances or allergies. And with the Serotonin & the Protease thrown in the mix.....yep, Now, I sure can understand why we have so many weird symptoms.
So far, eating WHITE rice based meals is such a bore. I think I also have a problem digesting the olive oil that I put on the rice noodles today. But it will be interesting to see if the Claritin, being an antihistamine does anything for the tummy.
I rarely use the tabs, I always try to get rid of symptoms naturally, but I have them on hand just in case things get really bad. But now, with the IBS cause discovery, I will pay special attention to see if they help.
My tummy is still pretty bloated, but the serious, horrendous pain has greatly subsided since the BIE session.
I am waiting for my Dr. to book an appointment with a new G.I. that I found on Rate M.D.'s (dot)com
which patients say thinks out side of the box. I will take this new found info to him and see if he will work with me on the Ketotifen drug, see below. Perhaps you too should check this drug out with your doctor.
btw: on this new site, at the very bottom, I found the drug (Ketotifen) they were testing the histamines with. Even the IBS forum has posted their findings. Everyone is so excited.
Quote from below link, found at very bottom of page:
"The mast cell stabiliser ketotifen decreases visceral hypersensitivity and improves intestinal symptoms in patients with irritable bowel syndrome. Gut. Online vorab veröffentlicht unter"
Here is the German Research link:
http://www.research-in-germany.de/51200 ... =8240.html
Re: Stomach bloating and weight gain
Hi Aussie,
Guess what I found on the SS forum you gave. Quote: I and a few others here are taking a drug called ketotifen (I am in the UK too and asked my GP to prescribe it) and we are finding it to be helpful.
It is a Mast Cell stabiliser.
That is what the German Researchers used!
I found that quote on this page, by: lindyd 8 hours ago: http://salicylatesensitivity.com/forum/ ... e=1#Item_0
Re: Stomach bloating and weight gain
I'd love to check out the German research - do you have a web address?
Salicylate sensitivity/intolerance is responsible for many things - interestingly, it's also directly linked to behavioural disorders in children and depression/anxiety and oppositional defiance behaviours in adults too. I know that when I have 'attacks', it's not just physical, it's very much an emotional reaction also. Basically, I can't face people. Making the simplest of decisions is ridiculously difficult. I'd like to think I'm a generally well-organised, amiable, fun-loving person - but when an attack hits, I'm none of those things - and that's sad.
If you're sensitive to Salicylates, that olive oil on your noodles will keep your stomach bloated. Not sure about Claritin - many drugs also have salicylates - asprin being the worst. Even inhaling eucalyptus can strike a blow. As it's fairly new, beware of 'old' information - best to keep with the updated foodlists.
This website is wonderful: (sorry, meant to give you this one earlier)
http://www.fedupwithfoodadditives.info/ ... 2.htm#food
The Ketotifen looks very promising...at present, I think I know what my body likes/dislikes - just have to keep health up there in the priorities and not let work pressure win. I'm like you - not keen on taking drugs - panadol is my limit, but if Ketotifen is going to be your answer, then that's a small price to pay for 'normality'.
Best of luck
Re: Stomach bloating and weight gain
Hi Aussie,
*** Yes, I posted it at the bottom of my previous post, but here it is again so that you don't have to search for it:
http://www.research-in-germany.de/51200 ... =8240.html
*** Also, I found the trial for Ketotifen on the SS site, forum, that you gave me in your last post to me.
here is the page with the trial: Zaditen (Ketotifen Fumerate) TRIAL:
http://salicylatesensitivity.com/forum/ ... e=1#Item_0
It looks like you and I are behind the news on this treatment. I am so excited! I will definitely see my doc about this and also testing for SS. That way I have all my ducks in line for when I meet up with the new G.I.
The other 2 G.I.'s that I have seen these past 5 yrs., never tested me for anything. Only the good old colonoscopy.....yuk.....and then pushing me to be a subject for IBS drug trials. They were testing some sort of psychotic drugs......I WAS GOING THRU HELL, BEGGING TO QUIT....but they begged me not to. The last drug study, last year almost killed me. They had to cut the dose to almost nothing, but they would not let me quit.
So, I am looking forward to this new G.I. who apparently "thinks outside the box", present him with the German Research findings as well as the SS forum members using the Zaditen (Ketotifen Fumerate) TRIAL, and get him to start me on a monitored treatment right away.
In the mean time.....I will follow the SS diet. I did look over the food chart, and I do seem to have problems with the foods that rank high. So it won't hurt me to just focus on the foods in the low dep't. for now, just until I get properly tested for SS.
Hi Aussie,
I have found something interesting to read. Apparently they use it in conjuction with Ketotifen.
Check out this page:
Clenbuterol and Cytomel — Fast and Easy way to get rid of excess fat
http://www.articlesbase.com/health-arti ... 65774.html
That SS forum you gave me, sure has given me a lot of hope for using Ketotifen. The IBS forum is still just talking about it. I left that forum last yr bcos the moderators always put down anything that someone says worked for them. One of the mods always quotes the ROME III & earlier research. He does not like when someone with SIBO claims they have IBS. He still picks on ppl, even when they have healed themselves. hmmm!
So it will be interesting if anyone over there will be brave enough to try Ketotifen. lololol
Hi Aussie,
I guess that I am in such a hurry to feel better that I am jumping ahead of myself. I came across this web site again. I read it years ago and dismissed it as voodoo snake oil.....and here I am doing cold laser with BIE. lololol This web site is pretty informative. Read all the way thru and click on the links along the way. Further down the page, there is a link for a DIY Allergy Kit. This home kit looks pretty interesting. It does what the BIE treatment does. hmmmm. I think that I will hold off with the Ketotifen drug for now & buy some Benatryl to tide me over until my next visit with BIE where they will do the allergy treatment. If it does hold, I would rather by the kit & do it for myself down the road.
I am by no means trying to sell this to anyone. I am just sharing. Since having the 1st treatment with BIE, I now know the ropes, so to speak and that is why this home treatment seems appealing to me. hmmm, more to think about.
I hope that they don't delete the information web page. Knowledge is power, and the more we share with one another, then our lives will change.
Allergy Escape.com
I don't recommend the NATE program bcos they make you buy a whole bunch of very expensive vitamins & enzymes, with their label, claiming that they are superior to other brands. With the BIE & the home kit cold laser, there is no need for supplements.
I had a Kirlian photography taken of my body 2 yrs ago at a Health Expo and it shocked me. My entire chakra, energy system seamed to be shut down. Only a tiny bit of the chakras were visible and some not at all. Yet my friends pic came out brilliant. She was in great health.
hmmm, that got me to thinking about the energy treatments via these methods.
Just sharing....it's time that WE start thinking outside of the box rather than hoping the doctors will. After all, they are trained by schools supported by the Drug Companies.
Like my cousin who is in her last year of Medical School said "Auntie, if it were not for mum & you telling me about natural cures, I would not know anything, bcos we are only taught how to use drugs."
And I think that that says it all!
Re: Stomach bloating and weight gain
I'm 16 years of age and i've had reflux since a baby. I get really 'random' flares of bad wind, sharp pains and sickness. However, i've just started to bloat, i weighed myself a week or so before i bloated, and now i only weigh 2 pounds more so i know it isn't simply weight gain. If anyone knows of a way to just 'soothe' the bloating that would make me feel a LOT better about myself (as i'm very self conscience anyway.
Re: Stomach bloating and weight gain
Hello Calista,
This is only my opinion, based on my many years of similar symptoms. I recently had muscle testing done & was told I was gluten & wheat intolerant along with a few other things incl coffee. Apparently coffee is really harsh on the intestines. Google search: effects of coffee on intestines bowels acid reflux.
Soooo, my suggestion is that you google search: gluten free diet or gluten free foods.
It's been 2 weeks since that diagnose by the ppl at BIE & today was my 2nd visit. I dropped into our local health shops for Soba Noodle (a real safe food & great for weight loss & bloating) and the ppl told me that I lost a ton of weight!!!! YEAH!!! My tummy went down a huge amount & my swollen face as well.
Try eliminating all wheat & gluten containing foods & see how you feel. You should see results within days.
Also, my favourite site for home remedies is: Earth Clinic (dot) com
They are really big on Organic Apple Cider Vinegar (AVC) in a glass bottle with the mother. Not the kind you buy in a local grocery outlet & definitely not in a plastic container. Just in case you also have to much acid or candida. So check out what others have tried to heal themselves over there.
Just remember to read labels as gluten can even be hidden in lipstick.
The sneaky so & so's! lololol
Re: Stomach bloating and weight gain
Hi Calista,
I forgot to mention that your local health food store also carries Rice Noodle Pasta in assorted shapes & sizes, along with the Organic wheat/gluten free (read ingredients on pkg) Soba Noodles.
Try including Yams or Sweet Potatoes and assorted Squash's into your diet.....before you know it, you will not miss the Wheat & Gluten products that may be giving you your problems.
Also google search: The Elimination Diet.......that is a free/inexpensive way to see what foods your body is intolerant to. It's a much harder path, but pretty accurate. Don't buy The Elimination Diet from anyone online, as you can find it for free if you just look for it.
Good Luck
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text:
Workaholism rife in electronics
28 comments post a comment
Are you driven or stuck on overdrive? Check out where you fall on the spectrum of a survey that finds 41 percent of high tech managers are workaholics.
SAN JOSE, Calif. Are you a workaholic? A new survey suggests electronics executivesthat would include engineering managersare prone to the malady.
A whopping 41 percent of electronics and high-tech managers consider themselves workaholics, and 80 percent work at least occasionally on weekends, according to a survey conducted by Accenture.
Researchers gathered data from 243 electronics and high-tech execs as part of a larger annual Defining Success survey of 4,100 executives from 26 industries in 33 countries. Three-quarters of all respondents said they work frequently or occasionally during paid time off generally checking email (71 percent), catching up on work (44 percent), working with no distractions (35 percent) and participating in conference calls (30 percent).
Ive done those things, too. Personally, I wouldnt say I am a workaholic, but I consider myself a Type A. As such, I often enjoy my work, can overwork myself and sometimes find it difficult to shift gear into fun and self-care modes.
Theres a 12-step program for workaholics that I dont attend, but I know at least one person who does. Interestingly, theres also a TV program for workaholics, but Ive never watched ittoo busy working, I guess.
The good news is 53 percent of all those surveyed define their career success as having a work/life balancemore than those seeking mainly recognition (47 percent) or money (44 percent). Seventy percent said they can have a successful career as well as a full life outside work, but 50 percent said they cannot have it all at the same time.


text: un_pic1_full_213x300_667698345.jpeg Politics When the United Nations was new, cities fought for right to host it PRI's The World February 14, 2013 The United Nations was going to be located in the United States -- that much was sure. But just where the new headquarters, the new capital of the world, would be located, was much debated back in the 1940s. A new book looks at that battle.


text:
When Mercury set out to engineer the perfect outboard engine, we questioned everything: every number, every scenario, every detail. The result? Verado�, the world�s most reliable and advanced propulsion system. The six-cylinder Verado delivers an amazing driving experience, superior reliability, jaw-dropping power and acceleration, and the quietest, smoothest ride ever produced by an outboard.
Air: Supercharged with charge air cooling and electronic boost pressure control
Standard Features
|Gearcase Durability
|Mercury Marine's commitment to testing and continual product improvement never stops. The most recent examples of this commitment are found in the new range of Verado gearcase offerings.
|The new 5.44 inch gearcase - with strengthened internal components - is a larger, more robust version of the current 4.8 inch gearcase. The 5.44 inch gearcase is best suited for saltwater offshore boats that are run more aggressively, or in rough seas where the propellers frequently ventilate. Additionally, 23 foot or larger single-engine boats that weigh more than 5,000 pounds fully loaded will significantly benefit from this larger gearcase.
|Lastly, the current 4.8 inch Verado gearcase continues to be the best choice for single-engine boat applications - including bass, freshwater multispecies, inshore flats and bay and pontoon boats. The 4.8 inch gearcase has a smaller hydrodynamic profile to ensure top performance on these boat types. This gearcase is available in right-hand rotation exclusively on a 20 inch and 25 inch 225 hp Verados as well as the new 250 and 300 Pro FourStrokes.
|Built Tough
|Verado�s unique Long Bolt Engine Design provides ultimate durability by keeping the powerhead in a constant state of compression. The extra-long bolts (which pass through the bedplate, block, and cylinder) are supported by rubber dampening elements to minimize the effects of engine vibration.
|Maintenance-Free Valve Train
|Unlike many competitors� four-strokes, Verado�s durable valve train stays maintenance-free for life, thanks to a unique and robust overhead cam design.
|Long-Lasting Gearcase
|The Verado gearcase was built to withstand high torque and speed, with unmatched impact protection. Also, only Mercury features Dual Water Inlets, including our patented low water pickup located on the front tip of the torpedo, ensuring a consistent flow of cooling water. The location of competitors� pickups can prevent their engines from receiving a strong flow of cooling water due to weeds or air pockets.
|Superior Corrosion Protection
|Salt demands more. That�s why Mercury uses more stainless steel components than our competitors, as well as our exclusive low-copper XK 360 aluminum alloy that provides industry-leading protection against saltwater corrosion. The Verado supercharger features a marine-grade anodized aluminum housing and Teflon�-coated rotors. To top it all off, Verado is equipped with protective sacrificial anodes for superior protection at every level.
|Awesome Torque
|Verado�s Supercharged System delivers the torque big boats need for immediate planing, superior mid-range acceleration, and sustained planing at lower speeds.
|Superior Combustion
|The unique Verado Charge Air Cooler teams with the supercharger to deliver superior holeshot and acceleration by cooling the compressed air before it enters the combustion chambers. In addition, the Verado injection-molded Intake Manifold increases torque and power by delivering higher levels of airflow. As a result of all this, combustion is more complete, intense, efficient, and powerful.
|Economy, Not Compromise
|An enhanced power train gives you increased fuel efficiency and power without sacrificing reliability. Its robust design features forged pistons, precision-machined oil dams, eccentric grooved crankshaft main bearings, a unique intake cam profile, and an enhanced PCM (power control module) calibration.
|More Air, More Power
|The intake cam provides better top-end power by significantly improving airflow, allowing the engine to produce more power while working less.
|Ultimate Control
|The SmartCraft� Digital Throttle & Shift (DTS) System delivers automotive-like control, instant throttle response and smooth shifting by eliminating the hesitation of traditional mechanical cable systems. More than 50,000 hours of testing and nearly a decade of consumer use make DTS the most rigorously proven control system on the water.
|Smooth, Precise Handling
|The six-cylinder Verado features a unique Cradle-Mount Design with four oversized, calibrated elastomer mounts surrounding the powerhead to isolate and cancel vibration for an incredibly smooth ride. The advanced midsection (AMS) design incorporates a new steering-to-engine-axis geometry that greatly improves handling at higher speeds by eliminating the �crabbing effect� felt in large displacement fourstroke outboards. In addition, Mercury�s exclusive Power Steering system replaces the steering torque often felt with competitive outboards with a precise steering feel unique to Verado.
|Unbelievably Quiet
|The Verado multi-chambered Intake Sound Attenuator not only reduces overall noise by up to 14 dB, it also tunes the engine sound to a more pleasing tone. Acoustic foam lining along the upper cowling and lower cowl absorbs high-frequency engine and driveshaft noise for a best-in-class sound rating.


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Metal Canopy
It's a range of curved (concave and convex) & flat canopies which can be suspended from the building structure or fixed to a wall. These metal canopies can be used to define spaces, accentuate an area, provide a focus or create ceiling sculptures. Even though the look is custom, the system uses only standard components at an affordable cost, giving the designer a range of choices.
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- Inspiration & Knowledge
- Green Building
- Products
- Technical Data
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Janesville walk offers support to people with multiple sclerosis
JANESVILLE—Jodi Swanberg suspected the numbness around her torso and her stumbling were due to an illness familiar to her family.
So when her neurologist diagnosed her with multiple sclerosis in 2011, Jodi was not surprised. Twenty years earlier, her sister also was diagnosed with the disease.
On Sunday, May 4, Jodi will be among an estimated 700 people in a fund-raising walk at Janesville's Palmer Park. She is part of Team Beck, which includes more than 20 family members and friends. At least 65 teams will participate.
The goal of the walk is to raise $75,000 for national research and local services to the more than 11,000 people in Wisconsin with multiple sclerosis.
"The walk also provides support to people with MS," Jodi said. "It is a way to hear their stories, what they are going through and what they are doing about it."
Because of the illness, Jodi has severe fatigue, decreased vision and numbness from her chest to her waist.
"It has changed my life," she said. "Before I was diagnosed, I did not even wear glasses. Now, my eyesight has diminished greatly. One of my feet keeps dropping down instead of moving. And I have a hard time remembering things."
Depending on the day, Jodi can walk. But her husband, her brothers and her daughter will take turns pushing her in a wheelchair during the fundraiser. The 49-year-old owns her own housekeeping company and used to work 50-plus-hour weeks.
�"I have had to delegate responsibilities that I used to have," Jodi said. "I still handle the business end of things, but I don't physically go out and clean anymore."
She explains that MS affects every person differently.
"Some people have no symptoms at all," she said. "Others have trouble walking, body fatigue, urinary issues or a combination of those things. Cognitive issues, like losing your train of thought, are big for me and a lot of people."
Multiple sclerosis is a disease in which the body's immune system mistakenly attacks the myelin, or protective coating around nerve fibers in the central nervous system. The central nervous system is made up of the brain, spinal cord and optic nerves. When any part of the myelin or nerve fiber is damaged or destroyed, nerve impulses traveling to and from the brain and spinal cord are distorted or interrupted, producing a wide range of symptoms.
For unknown reasons, Wisconsin has a higher prevalence of multiple sclerosis than many areas of the country, according to the Wisconsin Chapter of the National Multiple Sclerosis Society.
"We are looking at everything from viruses to the amount of sunlight that we are exposed to in the Northern Hemisphere as possible environmental factors," said Colleen Kalt, president and chief executive officer of the state chapter. "The research is still occurring."
When Kalt started with the organization 32 years ago, no treatments existed for multiple sclerosis.
"Now, we have 10 treatments that forestall disability in many people with MS," she said. "Not all people react well to treatment medications, but we are working on it."
She encourages people with MS and their families to tell their stories.
"In the old days, people would hide their diagnosis because of fear of discrimination," Kalt said. "Now, because of better treatment and more encouragement from friends, people are breaking out of their shells and saying, 'I have this disease, but it is not controlling my life.'"
Still, more work remains to dispel misunderstanding about the disease.
"We have to continue to create awareness," Kalt said. "We need to continue to keep up the funding on the federal level for all diseases that affect our loved ones."
She praises all the people in today's walk.
"They have a direct connection to creating a world that is free of MS," Kalt said. "It is a powerful thing, when a person stands up and says I am going to make a difference."
Anna Marie Lux is a columnist for The Gazette. Her columns run Sundays, Tuesdays and Thursdays. Call her with ideas or comments at 608-755-8264, or email firstname.lastname@example.com.


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Other Views: Budget impasse hurts battle against AIDS
Sunday, Dec. 1, marks World AIDS Day—a day set aside to remember loved ones lost to HIV and to rededicate ourselves to the fight against AIDS.
At the AIDS Resource Center of Wisconsin, our HIV Medical Home has emerged as the leading model of care. Our integrated, comprehensive medical, dental, mental health, pharmacy and social services are delivering patient outcomes among the best in the nation. Seventy-eight percent of resource center patients have achieved an undetectable viral load, meaning their HIV is managed as well as possible. This is more than three times the national average. In fact, the federal government recently designated the resource center as the country's first HIV Medical Home.
These clinical results are important for our patients and our communities. HIV patients with undetectable viral loads have fewer hospitalizations and emergency room visits. Recent research indicates they are far less likely to transmit HIV to others.
Demand for the successful, comprehensive services that the resource center provides to achieve these results continues to increase. In 2012, more than 400 new HIV-positive people needed health care in Wisconsin. Our state has more than 6,500 HIV-positive individuals. Another estimated 1,500 Wisconsinites are living with HIV but are unaware of their status.
I am heartened by recent examples of increased support for the fight against AIDS in Wisconsin. Gov. Walker and the Legislature provided important new funding this year to assure HIV patients have access to medications that keep them healthy. Wisconsin philanthropist Will Radler recently provided the first-ever $1 million gift for AIDS in Wisconsin to assure access to mental health care—one of the greatest barriers to health for HIV patients. These examples of leadership must become the model of responding to AIDS if we are ever going to end the epidemic.
We stand at a most critical moment in the fight against AIDS. The legacy of Ryan White hangs in the balance. We remember Ryan, a kindergartner with AIDS in the late 1980s, who simply wanted to go to school but was denied entry. His story spawned a national outburst of support culminating in President George H.W. Bush signing the Ryan White CARE Act in 1990—the signature national response to AIDS. The Ryan White Program invests wisely in clinics such as our resource center to save countless lives, prevent new infections and reduce health care costs. Yet, national leaders are quietly dismantling Ryan's legacy.
Today, Ryan White-funded clinics across the country are suffering from the inability of national leaders to reach a fair deal on funding the federal government. Unsustainable budget cuts, such as sequestration, deny us the chance to save lives and reduce health care costs.
The struggle against AIDS in our state remains a terribly difficult battle. Two people with HIV die every week in Wisconsin. We need congressional leaders to agree on a budget that restores funding for the Ryan White Program and key safety net programs that will help save these lives and provide us the best opportunity to defeat AIDS.
Mike Gifford is president and CEO of the AIDS Resource Center of Wisconsin. Readers can contact him at 414-225-1567 or by email at firstname.lastname@example.com.


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ECMA-55 Minimal BASIC is a compiler for "Minimal BASIC" as specified by the ECMA-55 standard. The target is AMD64/EM64T/x86-64 machines running a modern Linux distribution (a 3.x kernel). This compiler will create Assembly Language output files. These must be assembled into object files and linked to create an executable. The Assembly dialect used is that of GNU gas.
libdwarf reads and/or writes DWARF debugging information in Elf object files. dwarfdump uses libdwarf to read object files and print the DWARF content in a readable fashion. libdwarf implements the DWARF2 (and later) standard by providing function interfaces that abstract away many DWARF implementation details (the writer code only emits DWARF2 so far). The source also includes implementations of a few tree search (tsearch) algorithms (balanced, red-black, and binary).
Pascal-P4 for Free Pascal and Delphi is a port of a Pascal compiler written at ETH Zurich in 1976. The source code of the compiler is documented in the book "Pascal Implementation" by Steven Pemberton and Martin Daniels. The purpose of this project is to make Pascal-P compilable by Free Pascal and Delphi while keeping the changes to a minimum and preserving the line numbering as much as possible.
HGL is a compiler/interpreter suite for developing images. It features its own simple but powerful language, Lua integration, output in various formats as well as runtime input handled by plugins, and easy integration into various environments like Web servers or graphical applications. The input is taken from a source file, which has to be compiled for quick and frequent access by the interpreter. An interpreter then runs the compiled files, takes input from custom plugins (if neccessary), and outputs its result via custom plugins.


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Functioning as a hybrid form of property and currency, Bitcoin and other virtual currencies are entirely digital, operate over a user-maintained decentralized peer-to-peer network and function independently of any governing body. With virtual currencies amassing considerable market value, venture capitalists and entrepreneurs are rushing into the virtual currency ecosystems.
Security over these virtual currency assets, however, is a growing concern for investors and businesses built around virtual currencies. According to an independent investigation posted on BitcoinTalk.org forums, 818,485.77 Bitcoins (with a current value of about $500,000,000.00), have been stolen since August 2010. Without any centralized authority, victims of theft of virtual currencies have little means for redress. For a business operating in the ecosystem of virtual currencies, a theft event can cause crippling financial and reputational damage.
Cybersecurity issues were brought to the forefront by the collapse of Mt. Gox, a Japanese virtual currency exchange which is currently in bankruptcy proceedings due to the "disappearance" of hundreds of thousands of Bitcoins. Governments seeking to regulate virtual currencies took notice of the Mt. Gox failure and reacted. Notably, the State of Texas' Department of Banking, in a memorandum discussing whether businesses changing U.S. Dollars into virtual currencies are subject to licensure under the Texas Money Services Act, appears to create a duty of cybersecurity for those businesses:
… license applicants who handle virtual currencies in the course of their money transmission activities must submit a current third party security audit of their relevant computer systems. Because the new technological paradigm created by cryptocurrencies has brought with it new risks for the consumer, it is incumbent on a license applicant to demonstrate that all virtual currency is secure while controlled by the applicant.
Although Texas appears to be the first state to address cybersecurity over virtual currencies, and the memorandum is limited on its face to specific businesses, other states and governments will likely follow Texas' lead by imposing cybersecurity obligations. Unfortunately, Texas did not elaborate as to the parameters of this duty, and there is no regulation or law announcing any minimum standard.
How can a business ensure it has adequate cyber security and protect its virtual currency assets and itself from liability, while operating in an environment lacking guiding regulation or standard? Emerging best practices adopted by businesses operating in the virtual currency economies have created de facto standards that other businesses can look to for guidance.
Any company with a substantial Internet presence or e-commerce business should implement basic cybersecurity measures. Strong passwords, encryption, user two-factor authentication, anti-virus protection, spam filters and firewalls should be in place for any Internet business, especially a business that collects any client personally identifiable information, financial information, or holds any other sensitive data. Virtual currency businesses should design their computer infrastructure with security in mind, and use the most secure operating system, which is widely considered to be Linux.
Fundamental to any virtual currency business is the wallet. The wallet is the software that allows a person or entity to store and transact in virtual currency. The wallet contains a "public key" and a "private key." The public key identifies the wallet and is disclosed with every transaction on the public ledger tracking transfers of virtual currencies, known as the blockchain. The public key, by itself, does not identify the owner of the wallet. The private key, however, is kept secret because anyone who has both the public and private key can control the wallet and can empty out the virtual currency from that wallet by transferring out its virtual currency holdings. Because virtual currency transactions are generally irreversible and there is no chargeback mechanism, once virtual currency is transferred, it is gone. Thus, maintaining control and protection of the private key for your business' wallet is critical.
Wallets attached to the Internet are considered "hot" wallets, while those saved on media not connected to the Internet (including hard drives, flash drives, or even paper print-outs), are referred to as "cold" wallets. Businesses should only keep amounts of virtual currency needed for day-to-day transactions in hot wallets and should keep all other reserves in cold wallets. Some virtual currency businesses hold up to 97 percent of their virtual currency offline in cold wallets. Cold wallets should be held on machines or devices not attached to the Internet (referred to as "air gapped"), portable media. Reasonable physical access limitations should be enforced over cold wallets. Vendors providing offsite and insured storage should also be considered. By limiting assets held in Internet-connected hot wallets, businesses can reduce their vulnerability to hacking attacks.
Businesses with high transaction frequency should also consider using a hierarchical deterministic (i.e. "HD") wallet. Logically, hackers are more likely to target wallets with richer holdings, which can be identified by tracing transactions on the blockchain. HD wallets generate a unique public key for each transaction, which further obscures the identity of the transferor. If your business holds large hot wallets, or engages in a large number of high value transfers, using HD wallet technology can obscure the size of your business' holdings and reduce your likelihood of suffering an attack.
As many businesses are aware, attacks from inside an organization can be devastating. To address the potential ultra vires or criminal act from an insider, many virtual currencies offer what are referred to as multiple signature, or "multi-sig" wallets. Multi-sig wallets require more than one private key to authorize a transaction and are typically implemented by assigning keys to different people. By requiring multiple consents to make a transfer, Multi-sig wallets reduce the possibility of a rogue employee transferring your business' virtual currency into his or her own control. Risk management startups also offer watchdog services, which enforce pre-set spending limits, and send notifications when they detect attempts to make unauthorized transactions. Businesses holding large amounts of virtual currencies should enable multi-sig wallets to protect against rogue transfers by insiders.
Although most Internet businesses carry insurance, most existing cybersecurity policies will not cover loss of virtual currency assets. Certain insurers have recently announced new policies which insure against virtual currency loss. Businesses dealing in large volumes of virtual currencies should explore insurance options to mitigate against potential losses.
As governments grapple with regulation of virtual currencies, and venture capitalists and entrepreneurs continue to invest in this new form of value transfer, security over virtual currency assets remains a concern. With strategic system architecture decisions, insurance, and the proper implementation of technology, businesses can insulate their virtual currency from sudden loss.


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Arrest Made for VGCSA & Active Warrants
Tara Lynn Odegaard-Morton of 107 Chapman Court, Lagrange, Georgia 30240, was charged with Violation of Georgia's Controlled Substance Act (Methamphetamine), Possession of Dangerous Drugs, Safety Restraint Violation and Expired Drivers License.
Officer Gary Morgan of the Franklin Police Department was on Georgia Highway 34, performing normal patrol duties, during the afternoon hours on Monday, October 17th 2011, when he observed a Chevrolet S-10, being driven by an individual that was not wearing a safety restraint.
Officer Morgan performed a vehicular stop, near the intersection of Georgia Highway 34 and Mills Street. After making contact with the driver, Officer Morgan requested that the Heard County Dispatch Center, check for active warrants and the drivers license status of the individual. He was informed a short time later that the individual, identified as Tara Lynn Odegaard-Morton, had an expired drivers license status and an active warrant from Peachtree City Police Department.
Upon being requested to exit the vehicle, Officer Morgan and Officer Nikki Chapman, who had arrived at the location, observed a small clear bag fall from Tara Odegaard-Morton as she exited her vehicle. The officers immediately retrieved the item and discovered that it contained crystal methamphetamine. A search of the vehicle revealed two additional small bags with residue inside.
Tara Odgaard-Morton was arrested and transported to the Heard County Jail. The Peachtree City Police Department requested that a hold be placed on her in the event she was eligible for release.


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State Rep. Tyler August to seek re-election
LAKE GENEVA—State Rep. Tyler August, R-Lake Geneva, has announced he is seeking a third term in the Wisconsin State Assembly.
August announced his intentions Monday to the 32nd Assembly District, which includes Kenosha, Racine and parts of Walworth County.
August's campaign will focus on his achievements since he was first elected in November of 2010, according to a news release.
August claims his successes include balancing the state budget and cutting taxes three times in his last term.
"I've been encouraged by the progress we've made by reforming the way business is done in Madison," August said in a press release. "Working with Governor Walker, I believe we've put Wisconsin back on the right track by balancing the budget, cutting taxes, and improving the economic climate."
August is Assembly Speaker Pro Tempore. He was elected to the position in September 2013.
August is a seventh generation resident of Walworth County, according to the release.
Declarations of candidacy are due to the GAB at 5 p.m. Monday, June 2.
The general election is Tuesday, Nov. 4.


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Frank Berrish Announces Retirement from VISIONS FCU
After nearly 38 years, Frank Berrish, president/CEO of the 157,200-member VISIONS Federal Credit Union in Endicott, N.Y., has announced he will retire on May 1.
Recently inducted to the Credit Union House Hall of Fame in recognition of his commitment and service to the credit union movement, Berrish has helped VISIONS, a onetime IBM employees' credit union hard hit by Big Blue layoffs, grow from $25 million in assets and three branches $3.1 billion and 31 branches.
In addition, making his local community a more viable place to live and work fueled his passion for economic development in the Southern Tier, Central and Finger Lakes regions of New York, his credit union said.
Berrish also led his credit union through its conversion to a community institution and recent mergers.
Berrish has served on various national panels, including the Fed's Thrift Institution Advisory Council (2005-2007), and with CUNA and NAFCU.
Plans are under way to name his successor by the end of this month, VISIONS said


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Heirloom Varieties: The Apples of Our Ancestors
Crisp autumnal air. The sweet smell of leaves. Dashes of yellows and oranges and reds and browns. A quintessential New England fall. And nothing says fall to me like apples and apple picking.
As a child, roaming the orchards, climbing up the ladder to pick the fruit, and biting into a juicy red McIntosh was what thrilled me. Now that I'm a bit older, I still love to pick apples but, as a produce buyer here at Formaggio Kitchen Cambridge, what really gets my motor going is the sheer variety of apples available today.
There are, of course, the old standbys like Granny Smith and Galas. The New England staples like Cortlands and Macouns. And, with the help of seed savers and the grace of a handful of dedicated growers, like Zeke Goodband of Scott Farm in Dummerston, Vermont, there are heirloom apples. The names themselves are reason to cheer: Ananas Reinette, Hudson's Golden Gem, Duchess of Oldenburg.
Heirloom apples are simply apple varieties that were grown decades or even centuries ago. They come in all different shapes, sizes and flavors and each has its own peculiar story. Black Gilliflower or Sheep's Nose is a deep dark purple that is shaped like its name, a sheep's nose. Roxbury Russet, the oldest American eating apple variety (most apples were originally used for cider), has a beautiful golden skin that, in taste, some liken to a guava. The Lady Apple, small in stature was nonetheless an important companion to ladies during the Renaissance who would keep an apple tucked in their bosom to freshen their breath when needed. And, my personal favorite, Esopus Spitzenburg, grown in Thomas Jefferson's orchards in Monticello and said to have been one of his favorite apples.
Here at Formaggio Kitchen Cambridge, we'll be getting roughly 40 different varieties over the course of the next few months from Scott Farm*. Stop in and try some. A fresh new taste coupled with memories of childhood – what apples tasted like when you, your grandparents, and your grandparent's grandparents were kids.
*We will be tweeting on our Twitter feed when new varieties come in! To follow us on Twitter, click here.
Mitch Klasky is a produce buyer and sometime bagel maker at Formaggio Kitchen Cambridge.


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The page you requested has moved or is no longer available.
The National Museum of the American Indian has recently redesigned this website, and some links may have changed. We apologize for any inconvenience.
To explore the NMAI website, visit the site's home page, or use the menu above.


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Man accused of driving drunk hours after release from jail
JANESVILLE—Hours after being released from jail, a Janesville man was arrested on a charge of fourth-offense drunken driving after a police officer saw him drive by with a garbage can wedged under his car.
Robert B. Briggs, 42, of 3907 Milton Ave., No. 120, Janesville, was arrested at 11:16 p.m. Sunday in the 1000 block of Mineral Point Avenue after police noticed a garbage can stuck under the front bumper of the vehicle he was driving. When they stopped the vehicle, Briggs admitted he had been drinking after being released from jail earlier in the evening, according to a police department news release.
Briggs, who also was ticketed for operating while revoked, failed a field sobriety test. His blood alcohol concentration level is unknown pending the release of a toxicology report. He was released to a responsible party, according to police.


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To Receive by 12/24, ORDER BY 12 Noon EST on 12/13 for PERSONALIZED GIFTS & 12/19 for STANDARD SHIPPING
Marcelle Dresser Topper
$199.0 Regular
$149.0 Member
Classic and refined, our collection features raised-panel drawers, fluted sides and turned legs that reflect the 18th-century French antiques that inspired it.
GREENGUARD Gold Certified. Meets or exceeds stringent chemical emissions standards. Learn more.
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Shown in aged silver.
Marcelle Dresser Topper
$199.0 Regular
$149.0 Member