text:
PropertyCasualty360, a sister publication of Treasury & Risk, asked risk managers and brokers about what they expect will be the biggest challenges in 2013—and how they are preparing to respond to them.
Frank Russo, Vice President of Risk Management, Silverado Senior Living
"If I had to use one word to sum up 2013, it would be 'uncertainty.' I'm concerned by the hardening of insurance markets [next year], specifically Property, Professional Liability and Workers' Compensation. With market hardening come fewer opportunities: There will be fewer carriers willing to insure, fewer financing options and alternatives, and [higher rates].
"We are approaching 2013 as a year to reevaluate our entire risk portfolio. Companies are going to have to become creative in the way they mitigate and manage risk—they're going to need to bet on themselves and outperform loss forecasts. Traditional insurance programs are becoming far less attractive in today's uncertain risk climate.
"In health-care risk management, the Patient Protection and Affordable Care Act is riddled with uncertainty. I'm not sure anyone can accurately predict the numerous effects it will have on health-care companies."
Dan Knise, President & CEO, Ames & Gough
"The risks our clients face are always evolving—and it is critical that we be ahead of the curve in understanding new areas of risk and developing appropriate solutions to mitigate those risks and transfer them through insurance or other means. Examples of newer risk [protections] include Contingent Business Interruption [coverage for] storms and other catastrophic events.
"The insurance industry is full of risk and opportunity, and we are focused on capturing these opportunities by remaining a trusted adviser to our clients. This includes both assisting with newer [exposures] such as cyber and network security and applying new and improved approaches to age-old issues like how to reduce Workers' Compensation costs."
Lori Seidenberg, Senior Vice President, Enterprise Risk Management, Centerline Capital Group
"The potential [non-extension] of the Terrorism Risk Insurance Act (TRIA) in 2014 would be a huge blow to real estate and insurance. There are still lender requirements surrounding Terrorism coverage for those with exposure, but no standalone marketplace for coverage.
"Even though the National Flood Insurance Program (NFIP) is extended to 2017, the program is in trouble. It already owes $12 billion to the Treasury from the storms of 2005—and Superstorm Sandy was a major blow as well. FEMA is expected to remap many properties into Flood Zone A, and NFIP rates are expected to rise, impacting the closing of new loans and the loans currently being serviced in our portfolio. Insurance rates for apartmentbuildings in tier-one wind and flood zones still continue to rise."
Gary Pearce, Vice President, Risk Management Group, Kelly Services Inc.
"We approach 2013 with an unprecedented number of risk issues that are deserving of attention, including matters of compliance, litigation, customer demands and internal processes. We also approach the new year with limited clarity and visibility regarding the future business environment.
"Because of this uncertainty, we need to limit our risk-management investments and commitments and be ready to change course or add new components as our risk environment evolves. To do this will require close engagement with our business units, operational resilience and a strong breadth of skills within our risk-management organization."
Alice Cameron, Managing Director, Marsh Private Client Services
"Marsh Private Client Services protects high-net-worth individuals and families, their properties and their possessions with intelligent risk-management solutions. Our clients have multiple homes, significant collections, high-value assets and property, high-profile lifestyles, board of directors' responsibilities, public-company leadership roles, and extensive multigenerational family considerations.
"Our challenge is customizing individualized solutions that meet clients' risk tolerance while balancing the costs and coverage. Our approach is to start by listening. We listen to our clients' needs and use our expertise to craft solutions to meet those needs—where are they in life and where do they want to go?
"Risk profiles can change over the years, so we instituted a Stewardship program that includes regular reviews of the client's personal risk-management loss profile. We've dedicated substantial resources to maintaining our superior standards for account service. Our Stewardship program seeks to ensure our clients continue to receive the high-caliber service that led them to select Marsh in the first place.
"Looking ahead to 2013, we are dedicated to delivering efficient and effective risk-transfer solutions, advising our clients on how to manage and mitigate the risks in their lives, and championing our clients by engaging in robust claims advocacy.
"We are also committed to finding and developing the talent that can keep up with our clients' changing risk exposures that span the range of traditional risks—like flood, fire, theft and fraud—to emerging risks such as social-media exposure. To meet this challenge, we have crafted a number of learning and development programs, including Marsh University, to entice and encourage the next generation into this great industry."


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Final Four Decided at Quiksilver Pro Gold Coast
ANOTHER day, another few heats run, and with one day left we are but three heats away from a winner. We promise, someone will win this thing tomorrow. We know this because we're at the semifinal stage and there's only one day left in the holding period of the Quiksilver Pro Gold Coast.
It will either be Michel Bourez who's up against Joel Parkinson, or Kelly Slater facing off against Mick Fanning. Defending champ Taj is out and it leaves the enticing possibility of a Joel/Fanning final which hasn't ever been seen at the Quik Pro? Has it?
It's a huge win for me. Taj is the defending champ out here and he's such a good surfer in these waves. It's been a great event.Michel Bourez
Joel Parkinson reigning ASP World Champion posted the first Perfect 10 of the event today, mixing it up on the afternoon Snapper Rocks walls with unmatched style, power and versatility in his Quarterfinal bout with Julian Wilson. The local standout was in sizzling form throughout the bout, posting a number of high scores and collecting the day's high heat total of an 18.27 out of a possible 20.
"That was an amazing heat to be in," Parkinson said. "Julian (Wilson) is one of the most exciting surfers in world. Even with a 10, you're never safe with him. It's one of those heats that's a big match-up on paper and there were some big exchanges going down between us. Semifinals is good start for me and I'm feeling good and excited for a big finish tomorrow."
The Tahitian power broker continued his dream run at the Quiksilver Pro Gold Coast today, eliminating defending event champion Taj Burrow.
"It's a huge win for me," Bourez said. "Taj (Burrow) is the defending champ out here and he's such a good surfer in these waves. It's been a great event for me. I'm feeling healthy and hopefully I can keep surfing well and make my first Final on tour."
Kelly Slater put in a juggernaut performance in this afternoon's Quarterfinals, posting an excellent 18.03 out of a possible 20 in a momentum-building display against Bede Durbidge.
"That was a fun heat and it definitely improved for me towards the end," Slater said. "I'm on a new board so I didn't feel great during the start of that heat, but it felt better with each wave and was feeling really good by the end. The waves are fun and really improved following the hold. When it's clean like it is this afternoon, after the hold anyway, Snapper is a really fun wave."
Slater will face Gold Coast local and two-time ASP World Champion (2007, 2009) Mick Fanning in tomorrow's Semifinals.
Mick and I have a lot of history together. The home town crowd will be backing him big time and that's always fun.Kelly Slater
"Mick and I have a lot of history together," Slater said. "We both put our competitive heads on during events and he has a lot of experience out here. The home town crowd will be backing him big time and that's always fun. Should be a good heat."
Fanning closed out the day's action with a convincing Quarterfinal win over compatriot Matt Wilkinson.
"Wilko (Matt Wilkinson) has really been on point this event and has been amazing on his backhand," Fanning said. "He's a friend and a Rip Curl teammate, but we're both out there to win and I wasn't taking him lightly. The waves were pretty fun and I was able to loosen up later in the heat after putting some scores on the board. It was a solid heat for me and I feel good heading into tomorrow's final day."
Want to watch any of these heats? Hit the heat review button. And the waves? They are forecast to be the largest of the competition on Wednesday, the final day in the holding period.
Heat 1: Michel Bourez (PYF) 17.10 def. Jeremy Flores (FRA) 13.33
Heat 2: Joel Parkinson (AUS) 13.83 def. Adam Melling (AUS) 11.83
Heat 3: Bede Durbidge (AUS) 11.67 def. Brett Simpson (USA) 11.00
Heat 4: Matt Wilkinson (AUS) 13.67 def. Travis Logie (ZAF) 9.24
QF 1: Michel Bourez (PYF) 10.67 def. Taj Burrow (AUS) 9.77
QF 2: Joel Parkinson (AUS) 18.27 def. Julian Wilson (AUS) 8.80
QF 3: Kelly Slater (USA) 18.03 def. Bede Durbidge (AUS) 10.40
QF 4: Mick Fanning (AUS) 16.00 def. Matt Wilkinson (AUS) 10.00
SF 1: Michel Bourez (PYF) vs. Joel Parkinson (AUS)
SF 2: Kelly Slater (USA) vs. Mick Fanning (AUS)


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Pitfalls of Evolutionary Psychology: Exaptation
Discussion of everything related to the Theory of Evolution.
Moderator: BioTeam
6 posts • Page 1 of 1
Pitfalls of Evolutionary Psychology: Exaptation
Hello there. My name is Jeremy. I have a Bachelor of Arts degree in Biology. I wrote the following essay and shared it with my facebook posse, although I doubt many there would understand or appreciate it. Hence, I thought it would be helpful to find the appropriate forum, and this looks like just the place!
I apologize in advance if in this essay I come off as harsh or abrasive. I think I'm just passionate about this particular topic.
Synopsis: We are commonly told that evolution has no direction in the philosophical sense. Nothing evolves into something "better" in the sense that we can look at a creature and say that it is particularly better than some other critter, just better suited to its environment. Among other things, I posit that if we were able to run experiments in evolution to determine the features of many different kinds of intelligent beings, I think we would find some universals and some "cultural" and behavioral differences. If we found a variety of universals, would we conclude that evolution does indeed have a direction, rather than an aimless path through the void? I might argue that the existence of intelligent life once it reaches a certain level allows for an "exaptation" phenomenon that combines the adaptations of multiple systems for new "exaptations" that are not directly related to survival. Intelligent being societies require stability in order to progress. The natural focus on stability may yield universals among all societies of intelligent beings in order to facilitate further technological progress and expansion of the intelligence. Transhumanism and artificial intelligence force us to ask questions about our humanity such as, "How would we change ourselves for the best if there were no limits?" What features would we preserve and which would we reject? What is the best? These questions transcend humanity and ask about universals for all intelligent beings.
I also conclude that experimentation with these ideas with technology is inevitable. We will experiment with nanotechnology, genetic engineering, and computer simulation in order to determine the best state of existence as an intelligent and conscious being. Diversity will be abundant. Immortality may be possible. How will this change us?
Finally, I argue that the resultant products of evolution in the form of intelligent life is NOT something entirely random. Using a metaphor, consider that the Golden Ratio (Phi) 1.618 is abundant throughout the universe and can be seen both in the math of the spiral formed by Nautilus mollusks and the spiral in galaxies seen by the Hubble space telescope. Rather than viewing our existence as some unique product of evolution, we might find that other intelligent beings share features with us, and that these universal features concerning intelligent life may be likened to the physical constants of the universe.
Here is the body of the essay:
Pitfalls of Evolutionary Psychology: Exaptation
Evolutionary psychology bothers me. In some respects, it makes me feel as though my humanity is threatened, and I feel some motivation to attack it based on that emotion. I know there is some bias in me. On the other hand, I want to think that this bias is not affecting my intuition, which is shouting at me that many of the claims of evolutionary psychology are wrong.
Scientists espousing an viewpoint on human behavior that is affected by evolutionary psychology will often claim that we do the things we do merely because evolution has selected for traits in our behavior that are conducive to survival.
You may not share my nausea when reading the accounts of evolutionary psychology. Let me explain. Although there are a number of features about our humanity that I think evolutionary psychology threatens, my primary issue is with love and human relationships. Evolutionary psychology might have us believe that the only reason why we display behavior entailing romantic love, platonic love for friends and family, compassion, or sex; all of these things can be reduced to direct byproducts of evolutionary processes. Romantic love and sex only exist in order for reproduction. Platonic love exists because it was necessary for survival of tribes to cooperate and live together in harmony.
Well, I just don't buy it. There is something more to the features of our humanity that transcends direct evolutionary logic. I do not argue that religion or God have any role in this, rather, I feel that the existence of these features is natural.
I had written a long diatribe against evolutionary psychology that I was revising before I posted it, but then I came upon a term in evolutionary biology referred to as "EXAPTATION". The term is coined by Stephen Jay Gould. "An exaptation is a feature that performs a function but that was not produced by natural selection for its current use. Perhaps the feature was produced by natural selection for a function other than the one it currently performs and was then co-opted for its current function. For example, feathers might have originally arisen in the context of selection for insulation, and only later were they co-opted for flight. In this case, the general form of feathers is an adaptation for insulation and an exaptation for flight."
Several years ago, I stumbled upon a version of this phenomena while reading a book by Richard Dawkins. He explains that a moth spirals into a candle or fire at night because moths use the moonlight for navigation and when the flame distracts them, they fly off course. This is a way of describing a behavior that is encoded by an evolutionary adaptation, yet responds to another stimulus, thereby producing an alternate behavior. Unfortunately for the moth, this entails dire consequences.
The thesis of this post can be summed here: Many features of our humanity that philosophy and religion seek to explain are exaptations of human behavior that transcend DIRECT evolutionary processes. In other words, aspects of our behavior and psychology that have emerged over time may be based on adaptations that DID have a real evolutionary purpose, but NOW, those adaptations have been converted and used for entirely different purposes. Hence, to claim that love, compassion, or emotional intimacy amongst human beings can be reduced to direct evolutionary processes may be, and probably IS, wrong.
To establish what I mean by a direct evolutionary process, let me use some examples. Teeth would be caused by a direct evolutionary process because teeth are used for chewing and eating food. On the other hand, consider hair. Hair in humans was originally required for warmth and protection from the elements. Hair on the head now is of enormous aesthetic importance and may even be crucial in mate selection, HOWEVER, the obsession with having a stylish hairstyle probably has nothing at all to do with evolution.
Likewise, something like emotional intimacy between two people might not be entirely based on adaptation and direct evolutionary processes. When we feel a connection with someone, that connection often inspires strong emotions, creative energy for art or music, and it essentially "transcends" evolution. I truly believe that there is something "more" to that intimacy than evolution or reproduction or stable society.
Contrast this with Robin Hanson's writings: "But you also seem to care about love, humor, talk, story, art, music, fashion, sports, charity, religion, and abstract ideas. In fact, you are often passionately obsessed with these things. You believe that they can help with more basic goals, such as health, sex, and children. And you care about these things far more than seems directly useful in pursuing more basic goals."
But I think Robin is wrong.
I believe that these goals and features of human existence have emerged because we have significantly intelligent enough brains that are capable of "higher" functions. The original, direct adaptation was based on the fact that intelligence and opposable thumbs helps with survival. Specifically, the structure of our brains allows for learning and problem solving, and the structure of our bodies allows for use of tools and implementation of ideas in such a way that we are able to cope with our environment better, and we are able to acquire food and water better. The marvelous evolution of the brain has yielded something extremely versatile in its function.
I tend to think of music, art, science, and literature as things that were discovered by our minds rather than actively created for the service of evolution. You do not play or listen to music because it is going to boost your chances to reproduce. The joy from hearing music or playing music is intrinsic to itself and not tied to reproduction.
I'm going to label the hypothesis that many features of human behavior are based on the versatility of the brain and NOT individually based on behaviors conducive to reproduction or survival as the "Complex Behavior Exaptation Hypothesis". CBE Hypothesis for short.
I also want to flirt with four other ideas in considering this topic: artificial intelligence, alien intelligence, the use of computer-simulated worlds for experimentation, and genetic engineering. I don't bring this up as science fiction entertainment, but rather ideas that have serious implications for the debate on evolutionary psychology.
At some point in human existence, it is reasonable to conclude that we will create artificially intelligent beings. You must also be aware that once artificially intelligent beings have the ability to alter their own programming and make themselves better, these beings WILL make changes that will make them profoundly different from humans. This poses philosophical questions. What traits might artificially intelligent beings preserve that are common with humans? Would artificially intelligent beings enjoy music and art?
If they do, then I argue strongly that Hanson's view and the views of many evolutionary psychologists are patently simplistic and outright wrong. I think if artificially intelligent beings preserve any human traits, we must conclude that the CBE Hypothesis is true.
Secondly, let's consider that someday in the future we may be able to write complex computer programs that simulate evolution of humans and OTHER ORGANIC intelligent beings. With this, we could simulate a variety of other conditions on different planets that might give rise to organic beings much different from us. When these beings become intelligent, would we expect them to discover music or art? I THINK YES. This would be a good reason for simulating such worlds, as we would be able to reap the benefits of computerized beings creating music and art for our enjoyment. Once again, I think that the CBE Hypothesis prevails and stamping out evolutionary psychology.
Thirdly, we could consider that there are intelligent alien species in the universe with similar features as humans in some ways. We would need to conclude that there are some things about intelligent beings that are universal… Evolution gets you to the same destination regardless of the initial conditions and parameters. Just as mathematics is universal in all places in the universe, so to would be the behaviors of intelligent beings.
Finally, I ask you to consider genetic modification to humans that would affect behavior. Let's forget genetic modification for health or athletics for a moment. Let's forget about cybernetics and fusing computers with human beings. If a large amount of our behavior is based on genetics, as evolutionary psychologists might claim, we would expect that modification of genes could result in alternative behaviors. I question what we would change and if it would cause more harm than good. I do not buy into the idea that there are fatal flaws in humanity that will lead to our destruction. I might argue that there is much less that we would change if we could. Anger, agression, and hostility exist for a reason so that we may interact with the world in a means conducive to survival. Make us more placid, and it could render us vulnerable. And for this reason, I say that neither evolution nor God are responsible for making us the way we act. Nature may have a way of making all intelligent beings similar in a lot of ways.
In order to continue my assault on evolutionary psychology, I'm going to divert to some other topics. My next argument is that the logic of evolutionary psychologists is often flawed because it assumes the origin of a behavior is based on ADAPTATION and not EXAPTATION. It essentially starts with the premise that all human behavior can be explained by some evolutionary benefit to human survival… and when we start from this premise, we are capable of creating many divergent and often opposing evolutionary accounts to describe behavior. In sum, the evolutionary psychologist's attempts to describe behavior amount to total pseudoscientific nonsense with no support. The evolutionary psychologist essentially becomes a creative writer who uses his imagination to concoct any kind of wild fantastical explanation for behavior that seems reasonable (a priori) but lacks ANY real empirical proof.
I was listening to a radio broadcaster citing a evolutionary psychology research on flirting and human sexuality. The broadcaster claimed, among other things, that women extend their necks when they are flirting with men on the basis that it is a submissive position. They note wolves as another mammal in which this behavior is observable. Men, they say, are likely to puff out their chests as a sign of dominance and reproductive virility.
I say both of these statements are completely bogus. Recently, I read an article in Time magazine on evolutionary psychology regarding human mating. Previously, conventional wisdom suggested that men are evolutionarily predisposed to adultery and cheating because it would ensure the greatest number of offspring. In addition, one might argue that men would be less likely to care for the child of a mother whose spouse had died because he did not share the genetic material of the offspring. More recently, the thinking has reversed. First, the thought about adultery was overturned because it seems more logical that a man would want to have an active role in the development and upbringing of his children to ensure their survival. It seems as though it's not just about impregnation, but also about development. In addition, it is thought that a man would be apt to care for step-children to demonstrate to a woman his ability to provide and take care of children, thereby improving his chances of mating with her to bear his own children.
So the problem I have with evolutionary psychology is that it relies almost entirely on interpretations and logical reasoning, and has very little to do with experimentation or real scientific data. It is pseudoscientific speculation and likely to be biased by the whims of whichever crackpot evolutionary theorist is spewing his nonsense. How are we to argue that one theory on human behavior is more rational and more likely than another? I think the explanation for adultery was pretty convincing either way. Both make sense. How do you choose? And how do you respond to someone who claims that we have a genetic propensity to be adulterous? I might argue the hypothesis that evolution cannot coherently account for adulterous behavior.
I would claim that there are many byproducts of evolution that result in human behavior that has absolutely nothing to do with survival of the fittest or genetic propensities that are directly linked to a behavior.
With respect to adultery I might argue that a primary genetic code for behavior is the sensation that sex feels good. There are also neurochemicals and hormones that facilitate feelings of attachment during and after sex. The behavior of non-monogamy is probably much more related to the feeling of sex feeling good than the unconscious need to spread one's seed. If you listen to the thoughts of evolutionary psychologists, almost always they claim that there are unconscious instinctual urges that relate to fertility and reproduction.
I think the fundamental flaw in the evolutionary psychology of sex is that it fails to account for conscious brain processes and assumes that everyone behaves based on unconscious evolutionary vestiges. We can pawn off unconscious automaton behavior on animals, but humans are not the same. Even if we are influenced by certain evolutionary vestiges, our ability to consciously think about our behavior, I think, rescues us from the evolutionary psychology net. In fact, I was reading one book recently that stated that our ability to go on a hunger strike and avoid eating food is significant in separating us from other animals. No other animals are known to be able to exhibit such behavior. Likewise, humans can choose to disobey our urge to have sex and either stick to one partner or abstain altogether. (Read Montague: Your Brain is Almost Perfect.) The fact that humans are conscious of our decisions makes us accountable for them. Because we can create the idea of monogamy and the idea of commitment, our ethics can dictate that it is wrong for someone to break a commitment. One is free to be with as many partners as he or she pleases so long as they are not in a relationship or they are in a relationship where such behavior is mutually accepted and both parties are aware. Although breaking such commitments is not unlawful, it is certainly considered to be unethical.
Thus, evolution does NOT dictate every aspect of human life or human ethics. We create some rules of behavior based on choices that are not guided by unconscious preferences and desires that are dominated by evolution.
I do not believe that we can reduce all human behavior to evolution. In fact, I might argue that for many human behaviors, the link to evolution is distant and not direct.
In essence, I argue that evolution did select for a human brain that was highly intelligent and capable of complex thinking, and that once we reached this cognitive capacity, the link between evolution and human behavior dissolved and became less important.
You do not do things becuase your genes force you to do them.
One very simple way to illustrate this point is with cultural differences. This is my final argument against evolutionary psychology. A tribe in Papua New Guinea is documented to have cannibalized their dead family members because they believed that this would somehow allow their family members to live on inside them spiritually. I personally find it difficult to objectively justify that this behavior is wrong besides it being irrational, yet when a prion disease called kuru was found to be causing serious illness in the tribes due to the consumption of human brain, one could effectively argue that the practice was "bad" on the basis that it is unhealthy.
In most human cultures, cannibalism is taboo. We tend to think of cannibalism as eating for nourishment while this particular tribe ate only their family members due to religious significance. I use this particular example because it is the most graphic. Can anyone possibly argue that cannibalism is a human behavior that is based on evolution? Only indirectly. One might argue that religion in general is an evolutionary adaptation that led to social cohesiveness and that it has some mental health benefits. The idea of cannibalism as an extension of religion would mean that cannibalism is not directly related to evolution. Thus, we may exhibit certain behaviors that are culturally-based and not universal throughout all humans.
Thus, there are some cultural differences in humanity that are indirectly based on evolution. There are some universal human behaviors that are present in all human cultures. Furthermore, I question whether or not we would expect there to be some differences and some universals amongst all forms of intelligent life. My mission throughout this essay is to warn you against believing any of the claims of evolutionary psychologists that are spouted off in pop science, because they neglect to consider that exaptations exist in human behavior, and they fail to consider that there may be some universals in intelligent life that evolution moves toward. Hence, we should not feel an emptiness over the idea that the features of our existence are ARBITRARY, SUBJECTIVE, or RANDOM. It may just be that random evolutionary processes progress toward a goal. We do not need God or supernaturalism for this.
Your humanity is more sacred and amazing than evolutionary psychologists imply, yet we do not need religion to justify it.
Re: Pitfalls of Evolutionary Psychology: Exaptation
If evolution is a subset of biology and psychology is considered a separate category, one must at least concede that evolutionary psychology contains a component of biology. Edward O Wilson's book Consilience explains how disciplines often overlap in order to create new fields that can make significant contributions to knowledge that affect the constituent disciplines. I disagree with you, and find this topic to necessarily include a discussion of biological concepts in order for it to exist. So I suppose my question is, even if it wasn't specifically 100% on biology, why would that matter? I think moderators of forums like these get so obsessed with moderation and rules that sometimes they interfere with meaningful dialogue. Do what you have to do.
The basic thesis seems to be: "I don't like the implications of evolutionary psychology, so it's wrong." But the rest is pure rationalization. As the saying goes, there's no there there.
It's not that you're necessarily wrong, but your logic is tortured, your data cherry-picked, and the evidence pretty non-existent, which puts it squarely in the realm of evolutionary psychology.
Re: Pitfalls of Evolutionary Psychology: Exaptation
so while we are on the subject of bio and psycho's connection, what would happen if there was a way to eat dead human bodies cleanly, eliminating the health issue completely, would people start to eat dead bodies, even under conditions of starvation? Or wouldnt they because that would be gross in their minds.
Georg Forster has somehow noticed in its book that european dogs flatly refuse from cannibalism, but polynesian - a cannibals. Moreover, these their characteristic innate. So, psychology of such sort - relative.
But prospect of the further development beside mankind while else under воросом under question:
"after achievement World harmony and creation Society of the general prosperity creative reason becomes unnecessary, is subjected to the negative pressure of the selection and proceeds with regress.
Through 30-50 thousand years hypothetical lucky Amicable agreement Empire (or Democracy ) becomes the world ant with narrow boilerplate storehouse of the wits, where return to creative stage already nearly impossible.
But after 200-300 thousand years change are bolted genetic and given biological type in general loses the creative reason, but expedient activity in this society already nothing does not differ same public insect from cooperative activity. This already not reason, but its remainder - a relic. Relic reasonable paleo-civilizations"
http://translate.google.ru/translate?pr ... ry_state0=
excuse me for my bad english
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Upgrades approved for two UW-Whitewater dormitories
MADISON--The state building commission Wednesday approved $17.3 million in renovations to two 1960s dormitories at UW-Whitewater, the first of six west campus dorms scheduled for modernizing.
The commission added $5.4 million to previously allocated funding that will modernize and connect Arey and Fricker halls.
A 19,000-square-foot connector will add 25 beds to Fricker and 15 beds to Arey by creating space for study and recreation lounges currently located in both halls and consolidating building mechanical systems.
The revenue generated by the additional beds will offset the $5.4 million added to the project, according to UW System officials.
Funding comes solely from student dorm fees.
Initially, two other west campus dorms, Bigelow and Benson halls, were selected for renovation and were included in the 2011-13 capital budget at $12.3 million. Since then, an architect was hired, a campus master plan and inspection of all dorms was completed, pushing Arey and Fricker to the top of the list, Vice Chancellor Jeff Arnold said.
The project also replaces windows, doors and roofs and adds accessibility and air conditioning in common areas. The dorms have not had any major renovations since constructed 50 years ago.
The residence halls are being made more attractive to today's college students, said Terry Tumbarello, associate director of residence life.
"With these improvements, there will be a centralized, modernized front desk … upgraded wireless (Internet) access points even outside the building … We're upgrading and adding to our common areas so they will be nicer. We're upgrading our computer labs. The whole building is getting a facelift with this project.
The additional $5.4 million approved Wednesday was needed to fund construction of the building connector, add an elevator to Fricker, surveillance cameras in common areas, a fire pump, a backup generator and a larger water line to be buried along Koshkonong Drive. The water line will allow fire sprinkler systems to be added to the other west side dorms.
Fricker Hall will be closed in May for renovations which should be completed in May or June 2015, said Mary Kaster, UW-Whitewater's project manager.
Renovations to Arey should begin in June 2015 and be completed within a year, she said.
The projects will make student housing even more so crowded, Kaster said.
When the 243-bed Fricker Hall is closed, lounges in other dorms and off-campus housing leased by the university will be used, she said.
The same would occur in 2015 when the 245-bed Arey Hall is renovated, she said.
Bieglow and Benson halls could be the next dorms renovated in coming years, although no final decision has yet been made, Arnold said.


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Updated: Edgerton man dies in motorcycle crash
TOWN OF ALBION—A motorcycle crash that killed a 54-year-old Edgerton man Wednesday night remains under investigation by the Dane County Sheriff's Office.
James E. Stout died as a result of injuries sustained in the crash, the Dane County Medical Examiner's Office said in a news release.�
The crash happened at 10:32 p.m. on Highway 51 at Albion Road in the town of Albion, according to a sheriff's office news release.
Stout was traveling south on Highway 51 when he failed to negotiate a curve north of Albion Road causing his motorcycle to leave the road, hit a road sign and land in a ditch at the intersection of Highway 51 and Albion Road.
Stout, who was not wearing a helmet, was taken to Mercy Hospital and Trauma Center, Janesville, where he was pronounced dead.


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Conflict results in delay of business Fast Pitch event
Gazette staff
Thursday, September 12, 2013
JANESVILLE—Scheduling conflicts have pushed the annual Rock and Walworth County Fast Pitch Competition into next year.
The competition had been scheduled for Wednesday, Oct. 2, at UW-Whitewater.
James Otterstein, Rock County's economic development manager, said the competition likely will be rescheduled for late next spring.
The annual competition allows entrepreneurs to pitch business ideas to a panel of business owners. The competition is also open to students, and cash prizes are awarded to winners.
For more information, visit rockcountyalliance.com and click within the Business Resources section.


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In part one of this story, Vince McKnight and Ross Brooks, partners in the whistleblower practice at Sanford Heisler, discussed how to determine if an employee is a good candidate for a whistleblower case. In this installment, these attorneys explain how they interface with government regulators, what advice they have for potential whistleblowers and their thoughts on internal reporting programs.
When proceeding with a whistleblower case, attorneys will inevitably encounter federal regulators. In a False Claims Act (FCA) case, the participants can vary slightly, attorneys can expect to meet with US attorneys from the relevant office and Main Justice, as well as representatives from administrative agencies, such as the Center for Medicare and Medicaid when the complaint relates to a healthcare or pharamceuticals.
How to maximize a whistleblower case, part 1
Confidentiality spurs whistleblowing tips
Five milestones in the Dodd-Frank whistleblower reward program
"Our goal is to maintain contact with prosecutors," explains Brooks. "If you develop a relationship and rapport with prosecutors, they can invite you in and give you the opportunity to participate in the investigation. It's a public/private partnership involving substantive discussion with the government with follow-up meetings and continuous discussion and collaboration."
That relationship is critical, and McKnight points out that the rapport with the government attorneys and agencies varies from case to case. However, the amicability of the relationship does not always yield a better result, because, in the end, the case is based on the facts on the ground. Still, working with a firm that has a combination of resources and experience can be beneficial for the whistleblower, as these firms can assist the government, which is often understaffed.
The key piece of advice that McKnight has for a potential whistleblower is to consult a lawyer early in the process. "There are many pitfalls and legal requirements or potential problems that a whistleblower could encounter," he explains. "The earlier the whistleblower consults with an experienced lawyer, the better off they'll be. There are many different levels of a case, and a whistleblower may experience retaliation early on, they may have questions about internal reporting or documents, and the best advice is to talk to someone with experience fast, to start discussing the process and what it entails."
A second, and equally important piece of advice may go against a whistleblower's instincts in some cases, but is relatively straight forward. "Whistleblowers should tell lawyers everything. They should not be fearful," advises Brooks. "We'll protect them, as will the Department of Justice. Any witness needs to advise counsel of any issue they've encountered, any trouble they've gotten into, particularly in this context. Whistleblowers are often concerned about being viewed as participating in fraud." Brooks says his clients should not be concerned about how they're perceived, because the level of culpability needs to be high in order for the government to be concerned.
These days, many compliance departments in large companies take strides to implement internal reporting programs, that allow workers with and inkling of wrongdoing to report within the organization before they blow the whistle to outside counsel. But McKnight does not see this as a viable option in most cases.
"I'm not a big fan of it," he says. "It takes a really enlightened company to take an internal report seriously, act on it and clean up a situation without retaliating. Nine times out of 10, internal reporting leads to retaliation of some kind and a cover-up for some period of time. It's not very helpful. All it does is expose a whistleblower to retaliation and recrimination."
And retaliation is a real concern, explains Brooks. "It can be a frightening thing to call a company out on fraud. It's their livelihood, their careers and families at stake. There's a great fear of retaliation," he says. "Thankfully, the FCA has anti-retaliation provisions, which protect those who report fraud or information they believe may be fraud."
The life of a whistleblower is fraught with troubles, but, in the end, knowing that there are experienced attorneys who can help guide you through the thorns can be a relief for anyone who has an inkling of wrongdoing.


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Raymond L. Watson, Elkhorn, WI (1943-2014)
August 31, 1943 - February 15, 2014
Raymond L. Watson, age 70, of Elkhorn, WI, died Saturday, Feb. 15, 2014, at Lakeview Specialty Hospital at Waterford, WI. Ray was born Aug. 31, 1943, in Ripley, TN, to parents, Marion and Winnie (Jenkins) Watson. He was united in marriage to Barbara Woodard on Oct. 1, 1983, at Woodstock, IL. Ray was employed as a mechanic and later worked for R & L Spring Company of Lake Geneva, WI, for 24 years. More recently, he was owner and operator of Ray's Pitstop restaurant in Walworth, WI. Ray's interests were widely varied but included Nascar, fishing, and enjoying TV game shows. Some of the activities that were special to him was drag racing his car named "Howdy Dowdy" and his beagle, "Toby".
Ray is survived by his wife, Barbara; his daughter, Barbara Ann and husband, Billie Clark of Finley, TN; step-children: Shelia Homola of Zenda, WI, Randy Lamkin of Jackson, TN, Vicki and husband, Doyle Rowe of Wauconda, IL, Daryl Lamkin of Jackson, TN, Jeffrey and wife, Bridget Lamkin of Wauconda, IL; three sisters: Verna Moore of Ripley, TN, Pauline and husband, Leamond Arthur, and Faye and husband, Robert Pace of Dyersburg, TN; two grandchildren; 15 step-grandchildren; one great-grandson; 15 step great-grandchildren; and one step-great-great-grandchild. Ray was preceded in death by his parents.
Services for Ray will be held at 10 a.m. Monday, Feb. 17, 2014, at TOYNTON FUNERAL HOME in Walworth, WI, with Pastor Wayne Rohde, officiating. Visitation was held on Sunday, Feb. 16, 2014, at the FUNERAL HOME. Interment will be at 11 a.m. Tuesday, Feb. 18, 2014, at the Windridge Memorial Park in Cary, IL


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Two accused, one charged of Walworth County heroin sales
ELKHORN— An Illinois man has been charged for delivering heroin on multiple occasions, one occurring within 1,000 feet of a school, according to a Walworth County District Attorney's Office release.�
On Tuesday, the District Attorney's Office charged Jamaal T. Shellie, 33, of Waukegan, Ill. with seven felony counts of delivering heroin as a second or subsequent offense, according to the release.�
This comes days after the Walworth County Sheriff's Office announced it broke up a heroin-selling operation.
Three heroin-trafficking arrests came Friday after a month-long investigation into heroin sales in the Lake Geneva and Delavan areas, according to a news release from the sheriff's office.
Investigators believe Shellie led the group and had two others drive him around to sell the drug.
Investigators believe Shellie was recruiting others to sell heroin for him, the sheriff's news release states.
Shellie was arrested in a Lake Geneva hotel on charges of party to the crime of delivery of heroin and six counts of delivery of heroin, according to one release.
According to the criminal complaint, Shellie sold heroin in the county in amounts ranging from .75 grams to 4.22 grams to an informant in controlled purchases.
Also arrested were:
-- Christina M. Lavender, 28, of 4119 Spruce St., Delavan, arrested in her vehicle in Lake Geneva on charges of delivery of heroin and two counts of party to the crime of delivery of heroin.
-- Jacob LA Crews, 24, of 919 George St., Lake Geneva, arrested in his vehicle in Lake Geneva on charges of party to the crime of delivery of heroin, possession of heroin and possession of drug paraphernalia.
Shellie is being held on a $25,000 bond.
Last updated: 8:08 pm Monday, February 10, 2014


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Expired plates, weaving lead to drunken-driving arrest
JANESVILLE—A Janesville man is in custody at the Rock County Jail after being arrested on felony drunken-driving charges early Thursday morning in downtown Janesville.
Arthur L. Thomas, 58, of 412 S. Academy St., Apt. A, was arrested at 1:19 a.m. Thursday on charges of fifth-offense drunken driving and operating after revocation, according to a Janesville Police Department news release.
The arrest was made after an officer patrolling downtown noticed a vehicle with expired plates deviating from the lane of traffic. When Officer Todd Radloff stopped the driver and noticed an odor of intoxicants on his breath and slurred speech, the driver admitted to consuming prescription narcotics before driving, according to the news release.
Thomas failed field sobriety tests and also admitted to drinking before driving, according to the release.


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Death notices for Dec. 28, 2013
Bruce L. Brown, 75, Milton, died at home Thursday. Services will be at noon Monday at Central Lutheran Church, Edgerton. Visitation will be from 10 a.m. until the time of services Monday at the church. Albrecht Funeral Homes & Cremation Services, Edgerton are assisting the family.
Ethan James Flood, 25, Evansville, died Wednesday at Meriter Hospital, Madison. Arrangements are pending at Ward-Hurtley Funeral Home, Evansville.
Viola M. Hanson, 94, Lake Geneva, died Friday at Aurora Lakeland Medical Center, Elkhorn. Services will be held at a later date at Kingdom Hall, Elkhorn. Betzer Funeral Home, Delavan, is assisting the family.
Cherie M. Seefeldt, 48, Beloit, died Thursday at home. Visitation will be from 1:30 to 4 p.m. Saturday, Jan. 4, at� Daley Murphy Wisch & Associates Funeral Home and Crematorium, Beloit.
Jean K. Smith, 83, Janesville, died Tuesday at St. Mary's Hospital, Madison. Services will be at 11 a.m. Saturday, Jan. 4, at Good Shepherd Church, Janesville. Schneider Apfel Schneider & Schneider Funeral Home and Crematory, Janesville, is assisting the family.
K'myah Strommen, 1, Beloit, died Thursday at Beloit Memorial Hospital, Beloit. Arrangements are pending at Brian Mark Funeral Home, Beloit.
Gladys H. Swanson, 99, Janesville, died Thursday at Azura Memory Care, Clinton. Private services will be held. Visitation will be from 4 to 6 p.m. Monday at Henke-Clarson Funeral Home, Janesville.�


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Vantegrity Financial, LLC
Vantegrity Financial, LLC (CRD# 166715) is a financial advisory firm headquartered in , . They manage $6,700,000 in 36 accounts and serve the financial needs of clients across 2 states (or territories).
Current Firm Details
Vantegrity Financial, LLC
By the Numbers
Total Assets Under Management7MILLION
Total Number of Accounts36ACCOUNTS
Average Account Value$186,111
Compensation Options
- A percentage of assets under your management
- Hourly charges
Advisory Services Offered
- Financial planning services
- Portfolio management for individuals and/or small businesses
Types of Clients
Registered States
Registered Investment Advisor
Advisors affiliated with a RIA are permitted to work with up to five clients in nearly-all states* without explicit registration. The map below shows states where this firm has explicit registration only.
Financial Advisors at Vantegrity Financial, LLC
Vance Tang (CRD# 6165663) is an Investment Advisor Representative working at Vantegrity Financial, LLC in Madison, WI and has over 4 years of experience in the finance industry.
Ready to hire a financial advisor? Get competitive proposals from multiple advisors.
Advisor profile scores displayed on this site are derived using the following criteria. Step 1: An advisor profile rating starts with a baseline score of 90 points. Step 2: The advisor score is increased from the baseline after screening for 3 criteria: years of experience, industry credentials and completeness of profile. Step 3: The advisor score is decreased after screening for publicly available disclosure events such as litigation or regulatory matters. Such decreases relate to the existence of a disclosure and, in most cases, do not account for timing, magnitude or severity of such disclosure. Many other factors are not considered in the scoring such as financial stability, fees, affiliations and educational background, and you should carefully consider these factors. The criteria are based on information Wealthminder deems helpful and available at the time of the scoring. Scores do not vary based on qualitative feedback from users. Advisor presentation and visibility and allocation of proposals will vary for advisors who pay a marketing plan program fee. Wealthminder does not recommend or provide any warranty or guarantee of the quality or suitability of any specific advisor or products or services offered by such advisor. Please consult regulatory sites for additional information about advisors' background.


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Two studs highlight Marlins' revamped system
Standouts Fernandez, Yelich at forefront of infusion of young talent for Miami
By Adam Berry / MLB.com
The future success of every Major League team lies largely in its Minor League pipeline. With that in mind, MLB.com is looking at each team's farm system, from the Top 20 Prospects to under-the-radar types.
The first thing that stands out about Miami's farm system is its potential star power. The Marlins have two of MLB.com's top 13 prospects in right-hander Jose Fernandez and outfielder Christian Yelich, and only the Mets can make a similar claim.
But in the long run, the high ceilings of Fernandez (ranked No. 7 overall) and Yelich (No. 13) might not be as important as the sheer volume of solid prospects the Marlins plugged into their system through the series of trades that essentially pressed the reset button on their entire organization.
A year ago, Miami liked its depth from Class A Advanced Jupiter on down. This year, it'll be from Double-A Jacksonville on down. By next year, that depth should extend throughout the Marlins' Minor League system, which should be nearly ready to produce Major Leaguers on a consistent basis.
"We definitely got some very good players in those trades," vice president of player development Marty Scott said. "I think what it's done for us is provide a little more depth in the organization. It's something that we very much needed and lacked when I first came on board in September 2011. But through a couple of good Drafts and some good trades, things are really looking up."
Indeed, the Marlins were busy in 2012. Their offseason spending spree didn't translate to success on the field, so they dismantled their Major League roster and went to work.
An inexperienced big league roster could lead to a low finish in the standings, creating opportunities for talented players like Fernandez and Yelich. Scott cautioned it would be a "very long shot" for any of their prospects to make Miami's Opening Day roster, but they will all get a close look in Spring Training.
"If there's a need in July or August and they're performing well and we're all on the same page that they can contribute, they might get called up," Scott added. "I think Spring Training's going to be a lot of fun. But just because Yelich goes 4-for-4 in a Spring Training game, I don't want to evaluate and say that he's ready now.
"You've got to take your time, not rush, don't put undue pressure on these kids. Just let them have fun, enjoy the experience and go from there."
Top 20 prospects
Fernandez and Yelich were in the Marlins' top three last year, and it's no surprise they're leading the pack again.
"These guys not only have ability, but they've got the best mental aspect of the game that I've ever seen," Scott said. "These two kids are just a joy to be around. They're fun to be around. They love the game of baseball, yet they're respectful to the game. On top of that, they've got a lot of talent."
Fernandez and Yelich are followed by several new names acquired via trade: outfielder Jake Marisnick at No. 3, left-hander Justin Nicolino at No. 4, shortstop Adeiny Hechavarria at No. 6, second baseman Derek Dietrich at No. 9 and third baseman Zack Cox at No. 10. There's also catcher Rob Brantly (No. 11) and left-hander Brian Flynn (No. 20).
And Miami's most recent Draft class already has made an impact on the organization. Among the club's top 20 prospects are left-hander Andrew Heaney, the ninth overall pick in 2012 and now the organization's fifth-ranked prospect, shortstop Avery Romero (third round, No. 14) and outfielder Kolby Copeland (Compensation Round B, No. 16).
marlins' top prospects
|Jose Fernandez
|Christian Yelich
|Justin Nicolino
|Jake Marisnick
|Andrew Heaney
Under the radar
Talk about emerging out of nowhere: Raudel Lazo, a lefty who will turn 24 on April 12, moved up to Jupiter from extended spring camp in 2012 and dominated. He went 7-1 with a 2.44 ERA, 1.17 WHIP and 61 strikeouts in 59 innings over 41 games. Lazo even got to face a batter, and record an out, for Triple-A New Orleans last year.
But Lazo could be doing far more than that this year: He earned an invitation to Major League Spring Training. He throws in the high 80s to low 90s, touching 92 and 93 mph, with plenty of movement. And the Marlins rave about Lazo's confidence and fearless attitude on the mound.
Shortstop Danny Black might be less "under the radar" if he hadn't missed so much time with a leg injury last year, but he played well when he was on the field. Black, who turned 24 in August, posted a .314/.375/.396 line and stole 17 bases in 78 games for Jupiter.
Playing for Class A Greensboro in 2011, Black hit .280/.338/.383 with 18 doubles, five triples, five homers, 51 RBIs and 32 stolen bases in 120 games. Even if Black doesn't eventually reach the Majors as an everyday shortstop, his left-handed bat and defensive versatility could make him an ideal utility man.
Hitter of the Year
Outfielder Marcell Ozuna has hit 20-plus homers three consecutive seasons, so he's a candidate. But Yelich posted a .330/.404/.519 batting line, with 12 homers, five triples and 29 doubles, scored 76 runs, drove in 48 more and stole 20 bases. He won this award last season, becoming the only two-time Player of the Year in franchise history. Odds are, Yelich will also be the first three-time winner.
Pitcher of the Year
Fernandez also won this award last year. And like Yelich, it's practically impossible to pick against Fernandez here. He put up absurd numbers between Greensboro and Jupiter last season, going 14-1 with a 1.75 ERA, 0.93 WHIP, 158 strikeouts to 35 walks and just two homers allowed in 134 innings.
Adam Berry is a reporter for MLB.com. Follow him on Twitter at @adamdberry. This story was not subject to the approval of Major League Baseball or its clubs.


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- Make sure the nominator is a current member of AAAA.
- Make sure the nominee has not been awarded the same level of OSM previously
- Fill out the nomination form, 100 word limit summary, 1,500 word limit for supporting information.
- Submit nomination to your local Chapter for Chapter President Approval. (If nominator is a member but not affiliated with a Chapter, please submit to National)
- Once a Chapter President has signed the nomination form as approving authority, the nomination will be submitted to National to be voted on by the OSM Committee (we ask for a 60-day turn around).
- Once the nomination is approved the engraved medal, signed certificate and lapel pin will be shipped to the nominator listed on the form; unless requested otherwise.
Historical List of Awardees:
Historic List of Order of St. Michael Award Recipients


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Town of Delavan development moves forward
TOWN OF DELAVAN--After more than a decade of discussion and dispute, a residential development in the town of Delavan might finally be moving forward.
The town board on Tuesday approved the rezoning and conditional use permits necessary for the Sho-Deen Group's plan to build more than 600 homes on an estimated 285 acres. The land is located northwest of the Delavan Lake Inlet and is at the corner of County F and Mound Road.
There was no discussion among board members, and no one in the audience spoke in favor or against the development plan.
The move comes less than a week after the District 3 Court of Appeals ruled the city of Delavan could not impose density limits on a proposed residential subdivision in the town.
In July 2012, the Delavan City Council exercised its extraterritorial rights and denied a rezoning request for 74 lots on a 36-acre tract called Mound Road Estates. A city's extraterritorial rights extend 1.5 miles outside its limits.
The Lake Delavan Property Co., a division of the Sho-Deen Group, sued, and Walworth County Circuit Judge John Carlson found in favor of the company.
In its arguments, the Delavan City Council cited its land division policy, which restricted density in its extraterritorial jurisdiction to 35 acres per lot, with an exemption under some conditions for one-acre lots. The city updated its land division policy in 2011.
In its ruling, the appeals court concluded the city can exercise some control on land outside its borders, but it cannot reject a zoning request based on land use. Zoning must be done by a committee representing the city and each of the affected neighboring towns, the court ruled.�
On Tuesday, the town board considered three requests related to the development:
--A request to rezone 22.36 acres from R2 to R5A. R2 is single-family residential without sewers. R5A is a planned development with all types of housing and supporting commercial services. R5A also requires 20 percent open space and the preservation of woods, steep lands and wetlands.
--A request tor rezone 14.19 acres from R2 to R3. R3 allows both one-family and two-family residents.
-A request for a conditional-use permit for a conservation development on 247 acres that will include 399 single-family, 160 multifamily and 64 duplex units.
The board's approval was subject to 12 conditions, many of them pertaining to stormwater run-off.� Provisions include:�
--Connection of all lots to the sanitary sewer system.
--Provide a stormwater drainage system from the very start of construction to keep run-off away from an existing subdivision.
--Wells must be drilled at least 60 feet as recommended by a previous groundwater and water supply study.
�--The number of residential units can not exceed 623.
--A traffic light must be put in at the intersection of Mound Road and County F.
The plan for the development still must go through the Walworth County Planning Committee, said Dave Patzelt, Sho-Deen Group president.
The area has been designated "urban density residential" in long-range plans by the county and the town. Plans call for less than 5 acres per dwelling.
Patzelt then must return before the town board to get approval for the final plan, which will include all details and engineering specifications.
Last updated: 12:24 am Wednesday, February 19, 2014


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Public Record for Dec. 17, 2013
-- BURGLARY, reported Oct. 1, to a garage in the 1000 block of Bingham Avenue, Janesville. Reported stolen were tools with a total value of about $2,100.
-- THEFT reported at 7:21 p.m. Friday to a car in the 1400 block of South Walnut Street, Janesville. Someone reportedly broke the vehicle's window with a brick and stole a purse from inside. Estimated losses and damages are about $4,800.
-- BURGLARY reported at 12:49 p.m. Sunday to a garage in the 300 block of South Locust Street, Janesville. Reported stolen were a snowblower and toolbox with a total value of $1,600.
-- ALEXANDER M. BRYAN, 18, 218 S. Parker Drive, Janesville, with three felony counts of delivering marijuana. Authorities say Bryan delivered marijuana on three different occasions between September and October.
-- EMILY R. JOHNS, 29, 3104 Muir Field Road, Madison, with two felony counts of uttering forgery. Authorities say Johns wrote and cashed checks in Janesville in September that she did not have permission to write or cash.
-- SHERRI T. LILLY, 43, Rockford, Ill., with five felony counts of uttering forgery. Authorities say Lilly wrote checks in Janesville in June and July that she did not have permission to write.
-- GERARDO ZUNIGA JR., 20, 3309 Mount Zion Ave., Janesville, with felony delivery of cocaine as part of an August incident.
--CENTERWAY AND NORTH JACKSON STREET, Janesville, at 10:02 p.m., Saturday, a bike ridden by Patricia L. Albright, 20, of 12 S. Academy St., No. 4, Janesville, collided in the intersection with a car driven by an unknown person. Albright was treated and released at Mercy Hospital and Trauma Center, Janesville.


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Standards are a good thing for treasury departments bent on automation and efficiency, but a cascade of new standards and drawn-out migrations by various players has left treasuries in a Tower of Babel. A bank transmission to or from an ERP system or treasury workstation may no longer make sense. The more banks and internal systems involved, the worse the cacophony gets, requiring one emergency translation patch after another. Now the treasury at Toyota Financial Services (TFS) in Torrance, Calif., has solved this problem by building a solution around SWIFT Alliance Integrator for version 7 of SWIFT.
"We were constantly wrestling with managing multiple banking relationships, connections and messaging formats," says Mario Delfin, national manager of enterprise cash management and treasury systems at TFS. "Our core business lines could not take advantage of the greater reliability, security and convenience of new banking products if the formats didn't match."
Once the SWIFT Alliance Integrator was fully integrated in February 2011, "we removed the need for legacy systems to be reconfigured to meet changing standards, since the middleware handles the transformation of existing and new bank interface files," Delfin says. "It will lower our cost for systems configurations and maintenance and it will allow us to quickly take advantage of new banking products and solutions."
The Integrator is part of the SWIFT suite and wasn't built to be a universal data format bridge, explains Eileen Dignen, managing director of sales and market development for SWIFT Americas. But it lets SWIFT users "tie together all the SWIFT communication tools to back-office corporate systems." For TFS, the Integrator 7 was "the right product at the right time to solve a problem," Dignen notes, explaining that the Integrator is installed on corporate servers.
Companies that use SWIFT need some kind of middleware to sit between SWIFT and the ERP or treasury system from which files will be exported to banks or imported from banks, explains Anita Prasad, head of treasury capital management at Microsoft. Microsoft uses its own BizTalk product to intermediate between SWIFT and its SAP iDoc format. SWIFT has the Integrator.
TFS, an automotive finance company with $91 billion in managed assets, is transaction-intensive and needs to be highly efficient in its bank communication. To that end, it joined SWIFT in 2006, hosting its own SWIFT Alliance infrastructure, and began using SWIFT messages, SWIFT standards and a FileAct interface extensively. TFS currently uses SWIFT with 13 banks in the U.S., Canada and Europe. A SWIFT data transformation tool was a good fit for what was already a SWIFT shop.
Here's how it works. On average, TFS processes more than 10,000 wire transfers a year, which come out of Wallstreet Suite, its treasury management system, and go into the Integrator system for format validation of MT101 and MT103 messages, ensuring the wire transfers are ready for processing at its banks.
TFS also processes roughly 12,000 check payments a year from Toyota's commercial finance group via SWIFT FileAct. TFS uses the Integrator to convert the SAP payment format into ISO 20022 XML and then sends the payments to Bank of America for check printing and distribution. Once this new check-printing outsourcing process is fully deployed, it will allow TFS to generate printing instructions for 700,000 checks a year, covering all of its retail, lease and dealer finance payments, while saving $2 million a year, Delfin estimates.
By centralizing all the bank interface communication in one treasury-managed solution, the company has reduced the time it takes to bring up new or existing banking products and can remain flexible as bank messaging standards continue to migrate to ISO XML standards. It also reduced demand for internal IT resources, Delfin says, and allowed individual business units to be bank-agnostic. Because of the Integrator solution, file message formats and standards don't need to be updated frequently at the point of emission, but can be formatted and validated in one place, removing the burden of maintaining several interfaces and proprietary solutions.
With the ability to use 40 different plug-and-play adapters from the Integrator in its ERP systems, TFS is now able to take unconverted transactional data files from any of those systems and convert them to any bank proprietary format or the latest ISO 20022 standard automatically, Delfin explains.
The Integrator enabled TFS to replace legacy proprietary formats with Bank of America with the new ISO 20022 payment initiation 001 XML payment message standard. That opened the door to quick migration from modem and FTP transmission technology to the more secure SWIFT FileAct interface for exchanging non-payment data with banks, according to Delfin.
While the core product, the Integrator, is packaged by SWIFT, TFS didn't just plug in a solution. It started by forming a permanent treasury systems and projects group that includes treasury, cash management and IT experts. That team put together an integrated solution and chose the Alliance Integrator as a key software component.
"We essentially created a new 'product' for our internal customers called Cash Management Integration Services (CMIS) that centralized the data transformation of bank messages in treasury and shielded the rest of the company from the burden of updating legacy host systems to keep up with the evolving bank messaging landscape," Delfin says.
Moving from multiple proprietary standards to a universal standard is great, but "standard" is still a relative term, Prasad cautions. Message types and data fields may be standardized, but each bank can still put its own little twist on how it uses a standardized field, and that can require customization of data transformers. "You don't want to modify translation mapping for every bank," she notes. "That defeats the purpose." The solution is for treasuries to persuade banks to "agree to a single implementation," something Microsoft has been able to accomplish with seven of its primary banks, Prasad reports.
In a major standards shift, translating data is a critical but tactical step, says Craig Jeffery, managing partner of consultancy Strategic Treasurer in Atlanta. He suggests that if companies simply take limited data from a legacy standard and place it in a new format, they've wasted an opportunity to leverage enriched data.
"How you construct your technology stack has everything to do with how successful you will be," he says. You need the brick, but Jeffery advises concentrating on the architecture.
For previous coverage of SWIFT, see Shaping eBAM Standards and Dell's SWIFT Global Connection.


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Erdman's Countryside Inn in foreclosure
TOWN OF MILTON—As Countryside Inn owner Rich Erdman readies for a court fight over the ongoing suspension of his tavern's liquor license, it appears financial woes could further threaten the embattled tavern.
The Bank of Milton has filed a foreclosure action against Erdman's K.M.E Properties, the holding company that owns the Countryside Inn, according to court papers filed last week in Rock County court.
The filing claims Erdman has slipped behind in mortgage and tax payments for the Countryside Inn.
Erdman owes the Bank of Milton $18,385 for four outstanding mortgage payments late in 2013 and early in 2014. Erdman also owes $17,589 in delinquent taxes for 2013, according to tax records at the Rock County Treasurer's Office.
Meanwhile, his liquor license remains suspended after a court ruling Monday.
The town of Milton suspended Erdman's liquor license at the Countryside for 60 days Feb. 20 after the town board found he was running a "disorderly and riotous" tavern. That was after the Rock County Sheriff's Office and town of Milton police reported and testified to the town on two shootings at the tavern--one June 22, the other Jan 26.
Both shootings happened when large crowds were leaving the bar after dance parties Erdman and a Madison promoter held there, police said. Each left a man injured, yet Erdman has insisted police have no hard evidence that a shooting happened Jan. 26.
The sheriff's office has not released full details on its investigation of the incident Jan. 26. Several shoving fights broke out in the tavern and a scuffle outside the bar escalated into a shooting that injured a Madison man, police said.��
Police have made no arrests in that incident, and prosecutors threw out a murder charge after an arrest in the June 2013 shooting. They said witnesses in that case kept changing their stories and wouldn't show up for court.�
Erdman has filed two lawsuits against the town of Milton, arguing in court papers that the town denied him due process and was wrong to yank his liquor license based on the purported Jan. 26 shooting, which he says police can't prove happened.
He wants the town to pay him for lost sales during the suspension, which started March 1. That case is pending.
Erdman's second suit seeks to block the suspension of his liquor license. A Rock County judge decided Monday to overturn that suit and uphold the suspension. It runs through May 2.
Erdman says the court threw out police testimony on the Jan. 26 shooting.�
"My suspension now stands because there were people pushing that night (Jan. 26) because we had a dance event," Erdman said. "It's weird. At other bars, they punch or hit people and smash a bottle in somebody's face. They haven't been served with anything yet."
Erdman does not dispute the June 2013 shooting, although he's called it an isolated incident and claims it was the result of a "love triangle" that went sour. He doesn't blame his dance parties, for which he says he hired extra security and even offered to hire extra patrols.
Erdman has said he would stop hosting dance parties. Yet that promise has not cleared up his financial woes at the Countryside, and he said the liquor license suspension has made things worse.
Erdman claims the suspension has cost him at least $2,500 a week and as much as $10,000 a week during March, which he says brings in an influx of students on spring break. That's on top of an especially brutal winter weather that he said crimped sales at his and other taverns.
According to court papers filed by the Bank of Milton, Erdman missed a partial mortgage payment in December 2013, and he missed three more mortgage payments of $5,600 apiece the first three months this year.
The February payment was due five days before the town pulled Erdman's license at the Countryside.
The bank's court filing claims the tavern is now closed, and the bank has petitioned that the court consider it "abandoned." The Bank of Milton also gave notice March 7 that it could consider Erdman's $585,000 mortgage on the Countryside to be in default.
Erdman says its untrue the tavern is closed, although he said in court papers he has laid off employees and the tavern has made only $200 or $300 a week since the liquor license suspension started.
He makes no bones about the financial situation.
"Yes, it (the Countryside) is in foreclosure. When you're not fully open, you're not making mortgage payments. Ten days would hurt a bar," Erdman said.� "The bank's got to do what they've got to do, and I'll have to file some protection. Hopefully, we'll find a way to keep going."
Last updated: 9:47 am Tuesday, April 15, 2014


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Moderator: BioTeam
10 posts • Page 1 of 1
Trying to complete an assignment and finding a few areas difficult to locate related information. Info is required on stratification. How does stratification relate to grape seeds. Any help or useful websites would be greatly appreciated.
Definately stratification: meaning is " The use of chemical and mechanical systems to break dormancy and increase germination ". I understand the principle, maybe a fire or a spell of really cold weather, or even an animal chewing on the sead coat to complete dormancy and the seed to commence germination. The bit I am lost with is how this actually relates to a GRAPE SEED.
Overcoming Seed Dormancy: Trees and Shrubs
Just because you read it in a book doesn't mean it is right.
Well, you never get too old to learn something new. Stratification is what I always called soaking.
Stratification of Seeds
http://www.emmitsburg.net/gardens/artic ... _seeds.htm
Different strokes for different folks.
Re: Stratification
besides scarification, there's soaking the hard seed of a grape variety for 6 hrs keeping the water warm(don't let it cool). I found that tiny holes in the cells of the seed (especially through the nucleus of a cell) allows water and nutrients to enter that cell very quickly resulting in a larger, stronger , faster growing plant in that species . Almost 100% germination takes place out of 100 seeds. Hook the secondary coil of any induction coil across an evacuated , 1cmx10cm glass tube containing the seeds and and turn on the 6-volts DC power of the model-T Ford's induction coil, for a few minutes. Soaking the treated seeds in a solution with genetic fragments gives the same results. This was a hobby back in the 1920s when Tesla enthusiasts did all kinds of experiments .
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The Badger Softener is an invaluable tool for the grainer of woods. Its soft delicate tips help create the most beautiful effects in watercolors, especially creating fine blended lines in such woods as burr walnut, burnt elm, mahogany feathered, and rosewood.
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Districts respond to social media rumors
ELKHORN—An unsubstantiated social media posting warning parents, bus drivers and school districts to be on the watch for a former jail inmate who threatened to shoot school children—and then commit suicide—caused anxiety in Walworth County this week.
The end came with a terse news release from the Walworth County Sheriff's Office stating that the threats were not credible.
The social media posting featured a mug shot of Colton Syverson. It claimed that while at the Walworth County Jail, Syverson made statements that he wanted to kill himself and children at a school as a way for people to remember him.
It's unknown who posted the information.
The posting was shared on social media and among parents.
Calls started coming into the sheriff's office from parents and school districts.
On Thursday, the sheriff's office issued a statement: "While he was at our facility, he did make alleged threats, including wanting to commit suicide at a school and convincing the kids to commit suicide with him. Those threats were assessed by professionals at health and human services and were deemed not credible."
Since Syverson's release from jail, the sheriff's office has not had any contact with him, and he is not wanted, the news release said.
School districts responded by trying to inform and reassure parents and students.
The Delavan-Darien School District put information on its Facebook page and its blog and did an "all call" alert to parents, said Mike Heine, coordinator of school-community relations for the district.� E-mails were also sent to families with e-mail addresses.
Information was communicated in both Spanish and English, Heine said.
Delavan police, who also cover the village of Darien, stepped up their patrols around the schools.
Despite the extra efforts, some parents asked for their children to be released from school early.�
Jason Tadlock, Elkhorn district administrator, said some parents in his district chose to remove their children early, as well.
�Elkhorn school officials sent an e-mail to all parents about the issue.
Both districts were informed about the posting before it went viral and had discussed the issue with police.
The challenge for school officials is to keep parents as informed as possible without spreading unsubstantiated rumors that could cause unnecessary anxiety, Tadlock said.


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On the ramp to the Four Big bridge
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Tuesday September 3, 2013
Louisville, KY (Current Weather Conditions)
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I declare this month is International Babywearing Month. And with the craziness of the CPSC (Consumer Product Safety Commission) going after all slings, pouches, mei tais, etc. we have a call to action.
*winner has been chosen! Congrats to Allie at Curvatude!
You can still link up here: If you feel so moved, please post your babywearing stories, photos, loves, or memories and encourage parents that the recalls from the CPSC are not due to manufacturer defect or user error.
From the BCIA: "Truly, it [babywearing] does not require special skill. There is no "if done properly." We are working to ensure that babies are kept safe all the time, and babies in slings are safe. They are in the safest space besides a mother's arms.
"That said, we will continue to educated [sic] the public about best practice -- correct positioning, and also keeping the baby's face visible to mother or caregiver in the first three months of life."
Your post can just be a photo, or just words; however you choose to express it.
Is your baby sling something you can totally live without? If not, then it's time to spring forth and do something!
Also, link your posts on the Baby Carrier Industry Alliance (BCIA) Facebook page.
I know this is a Sunday and I do not want to call you away from spending time with your family. Heck, I didn't plan this, just sat down and decided to write this just now.
If you want to help spread the word, write your post and link up here today or even this week when you have the chance, and visit the other links as well if you can.
PRIZE! Not only will you win the satisfaction of helping share the love of babywearing, I will randomly choose one participant* from the linky list below (Please be sure to COMMENT on this post as the linky has been disappearing! Your comment might be the only way I can draw a winner!) to win something special. I don't know what yet- might not necessarily be babywearing related and it might possibly be something I make for you, but it will be special and a thank you. :)
edited to add: How about a Sakura Bloom sling?! Your choice of the essential silk or essential linen. One winner will be chosen at random from the MckLinky list below on 10/10/10. contest has ended.
*please link back to this post and the BCIA facebook page in your post, if you can!
Related posts:
You can not recall my arms. Alternate title: BABYWEARING IS SAFE.
Adventures In Babywearing 2.0
The Straight-Jacket For Babies
Babywearing Bloggers Blogroll
ed (again): I chose to add the BCIA quote above and prefer how they explained this situation better than what I previously had written in that space!


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Hello My name is Chrissy and I am married and a mother and grandmother. I am retired and have taken up photography as a hobby. Living in the heart of the Pioneer Valley of Western Massachusetts,there is plenty of interesting subject matter to photograph. I have discovered that taking pictures can be very addictive, so my camera is always by my side. I love seeing photography from all different areas of this country and the world, and appreciate all comments on my own pictures. This is a wonderful community and I am so glad that this site is available to share my pictures and learn, and interact with those who I now call my WU family.
The Work Of Many Hands
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Monday March 26, 2012
Westhampton, MA (Current Weather Conditions)
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Jude Law's PR performed 'character assassination' on Sienna Miller following Daniel Craig affair, reporter tells hacking trial
A former News of the World reporter has described listening to the voicemails of James Bond actor Daniel Craig, uncovering his alleged affair with fellow Layer Cake cast member Sienna Miller.
Craig was one of a host of celebrities Dan Evans targeted after he joined the newspaper from the Sunday Mirror in 2005, also including Sol Campbell, Rolf Harris, Kelly Hoppen, Jade Goody and Steven Gerrard's agent, the hacking trial heard.
He said then-editor Andy Coulson knew about the hacking and had even given directions to Evans about how to hide the information from Craig's voicemail, by making it appear as if a tape of it had been handed in anonymously.
Before the Sienna story broke, Evans told the Old Bailey trial how he had been bullied to come up with front page stories.
"It happened a number of times. The time we are talking about was a pretty unhappy one for me. I was bullied at work, having quite a hard time.
"I remember being monstered by (NotW journalist). He sent me an email saying 'If you do not come up with a front page story you might as well jump off a cliff'."
He recalled receiving "shouting emails" written entirely in capital letters from a senior employee who was "very intimidating and scary", adding: "I was in fear of my job."
He set to work, hacking into Craig's voicemail, he said: "I heard a female voice saying 'Hi, it's me. Cannot speak, I'm at the Groucho with Jude'."
He checked the number on his database and found it was Sienna Miller's, he said.
"I went to work on Tuesday wagging my tail and I told (NotW journalist), did you know Sienna Miller is having an affair with Daniel Craig?" Evans said.
He put together a story to show then-editor Coulson. Another NotW journalist was onto the same story, providing corroboration for it, he said.
Asked by prosecutor Andrew Edis QC what the response was to the Sienna story, he said: "They said 'good work'. (NotW journalist) said to me 'You are a company man now'."
Evans said he was told by Coulson to make a copy of his recorded voicemail message, put it in a Jiffy bag and take it to reception so it would look like it had been dropped off anonymously.
Then another NotW journalist picked it up with "mock surprise" saying "look what I've found", Evans said.
Next, Evans knocked on Craig's door to confront him about the story, and the actor said: "No, no, no it's not true", the court heard.
Because of the denial, the story was held over for the following week, during which time, Law's people were approached about the story.
At this point, Evans broke off to address the court, saying: "I would like to apologise to all involved."
After Law had been alerted, Evans listened into another voicemail to Craig this time from Law saying: 'Thanks, mate. I hope Saski (his then-girlfriend Satsuki Mitchell) doesn't find out.'
The story was run past Law's public relations executive who "approved" it and it ran in the NotW the following week in October 2005, Evans told the court.
Evans described to the court Law's reaction to his then-girlfriend's affair with his friend Craig.
He said: "Jude was obviously bouncing with anger about it. The PR performed a character assassination on Sienna. The story was run past the PR in its entirety. She approved it, and Jude approved the story to go in. He was obviously very unhappy at the time."
Evans's byline was the last of three on the Sienna story, prompting a NotW executive to send a message highlighting his worth, with reference to Gerrard's agent Struan Marshall, and Jade Goody.
He said: "The Steven Gerrard reference is in reference to an intercepted voicemail about his wife expecting a new baby."
Asked by Mr Edis who knew about hacking from Evans's direct personal knowledge and experience, the witness gave 10 names of NotW staff, including Coulson.
He also told the court more about his own hacking activities, including picking up a story from Craig's voicemail about actress Eva Green being a new Bond girl, and a story about footballer Sol Campbell and designer Kelly Hoppen. He also admitted hacking the voicemail of Shane Richie and Jenson Button.
Evans was shown emails from October 2005 about efforts to "get to work on Rolf Harris".
One email from a NotW journalist read "sometimes I think we are dazzled by shady stuff" rather than obvious journalist checks.
Evans said he had made various checks because the rumour was of "marital strife".
After Evans was caught out hacking Ms Hoppen's phone, he was suspended and put on paid gardening leave, he said.
Evans was made redundant when the NotW closed down in July 2011 and received the same payout as everyone else, he said.
Asked by Mr Edis about any other criminal activity in his past, Evans said he had been "busted" for having amphetamines as a student and later for cocaine.
He said: "Recreational drugs played a part in my life since mid-late teens."
However, he had now been clean of drugs and alcohol for a "period of time", he told the court.
The court heard that Evans has already admitted conspiracy to hack phones at the Sunday Mirror between February 2003 and January 2005, and the same offence at the News of the World between April 2004 and June 2010.
He also pleaded guilty to conspiracy to commit misconduct in public office between January 2008 and June 2010, and perverting the course of justice by giving a false statement in High Court proceedings.
Former News of the World editor Andy Coulson, 46, a PR consultant of Charing, Kent, denies conspiring to hack phones and conspiring to commit misconduct in a public office.
All seven defendants in the case, including former Sun and News of the World editor Rebekah Brooks, deny all the charges against them.
Yesterday, Law gave evidence to the trial for more than an hour.
He told the jury there was an "unhealthy" amount of press interest in his private life.
He also learned for the first time an allegation that an immediate family member had sold information about him to the News of the World.
The jury were sent home and the trial adjourned until 10am tomorrow.
Press Association