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Swaps counterparties, including corporate end users, would face increased risks under banking regulators' swaps margin proposal, according to a study by the International Swaps and Derivatives Association (ISDA).
Global regulators have recommended requiring initial and variation margin on derivatives trades from all financial institutions and systemically important non-financial firms, while exempting other non-financial end users. The rules are still in the works and there is concern they may vary from U.S. regulations, presenting global companies with two sets of initial margin requirements.
The ISDA study does not directly address the impact of proposed margin requirements on end users, whose trades make up 10% or less of the over-the-counter derivatives market. However, it calculates that the largest global banks would each have to pony up between $23 billion and $49 billion of initial margin on average, money that would be unavailable for other purposes.
"Diverting funding from other activities to finance [initial margin] will be harmful to those activities and harmful to the broader economy," the study says.
As a result, banks may have to curtail derivative activities or pass their higher cost of capital on to customers, which could mean less hedging by corporations.
"Margin requirements would create risk because corporate end-users would be less likely to hedge," says Christina Crooks, senior manager of government affairs at Financial Executives International, adding that those cost concerns will be exacerbated by the new Basel III capital requirements to be implemented over the next few years.
"Even if [corporates] are exempted but financial entities are subject to margin requirements, then their trading could dry up and make those hedges unavailable to us or more expensive," says Tom Deas, treasurer at FMC Corp. and chairman of the National Association of Corporate Treasurers (NACT), who's pictured above.
A bill that would ensure that corporates are exempt from margin requirements passed the House of Representatives by a wide margin in March, Crooks notes. The sponsors of the Senate version of the bill, introduced in August, are "hoping to push it over the finish line by year-end, or next year they'll have to hit the reset button" when the new Congress arrives, she adds.
Should that legislation fail and corporates be required to post margin, they will face additional margin-related risks, according to the ISDA study. It notes, for example, that initial margin requirements can become up to three times larger during stressful periods, so that a $100 million requirement becomes a $300 million.
In addition, the proposal introduces derivative volume thresholds—levels over which market participants must pony up margin for the full notional amount of the derivative. The low end of ISDA's margin estimate per bank was calculated with the threshold in place, but ISDA says during stressful times, thresholds could increase margin requirements by as much as five times.
Jiro Okochi, founder and CEO of Reval, says that while a company may be far from hitting a $100-million threshold in normal market conditions, a market swing of two standard deviations could push its exposure to $101 million, requiring it to post margin not just for the additional $1 million but the entire $101 million.
"That's a pretty big bang effect for cash going out the door, at the worst time," when markets are under extreme stress, says Okochi, who's pictured above.
In a comment letter, ISD says that if regulators impose initial margin requirements, they should "be structured so as to minimize the negative consequences" described in the study. Possible approaches include making initial margin amounts static rather than dynamic and setting the levels low enough "to permit realistic pricing of uncleared swaps," it says, as well as allowing swap market participants covered by the rule to establish their own initial margin requirements and thresholds.
For previous coverage, see Exemption of FX Swaps, Forwards Leaves Unresolved Issues and Exchanges Try to Lure Swap Users to Futures.


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Maryland's Career Technology Education (CTE) programs fall under ten career clusters, groupings of interrelated occupations that represent the full range of career opportunities in key economic sectors of Maryland's economy.
College and school administrators, counselors, and faculty members are using the career cluster system to develop programs that extend from high school to two-and four-year colleges/universities, apprenticeship programs and the workplace.
The programs listed under each cluster are Maryland's model CTE program proposals. Templates are available for local directors of CTE to use to obtain program approval. Other helpful tools for directors are the Policies and Procedures for Development and Continuous Improvement of Career and Technology Education guide, Local Advisory Council (LAC) and Program Advisory Committees (PAC) Policies and Procedures guide, Memorandum of Understanding Procedures for the Inclusion of Postsecondary Career and Technology Education (CTE) Program on Maryland's List of Approved CTE Programs, Procedures for the Inclusion of Postsecondary Career and Technology Education Programs on Maryland's List of Approved CTE Programs and the Maryland High School Career and Technology Education Programs of Study resource.

subset: commoncrawl


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Forest Cabin En Suite South (HF2ZS)
|Base Rate *
|Click here to view the activities rates
* The Base Rate amount is charged for any number of guests occupying a unit not exceeding the base number for that activity type (in this case 0)}. Any additional Adults and Children exceeding the base capacity are charged in addition to the base rate amount per persons up to the amount of beds or guests allowed in the unit.
- 2 single beds
- 30m to com. ablution adapted for disabled
- Communal Kitchen
- Fridge
- No smoking
- Ramp
- Utensils
- WC and shower
Virtual Tour:
Ready to Book?
After a once-off registration, you can: Book New Reservations, Review Existing Reservations (amend or cancel, download PDF letters, pay outstanding amounts), Update Your Profile, etc.
Book & Pay Directly Online or Contact Reservations


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During the Bronze Age, tablets of clay were used to record trade transactions and daily events. In subsequent millennia, papyrus, parchment and paper evolved as more practical media, even though paper tablets as we know them were not created until the end of the 19th century industrial revolution.
Now, as part of a digital revolution, paper pads are quickly giving way to an array of electronic devices, including a 21st century version of the tablet. These slim touch-screen pads, which can provide anytime, anywhere access to people and information, have evolved from innovations in computing, telecommunications, and networking over the better part of a century.
"Must-have" Technology
Today mobile devices are "must have" accessories for on-the-go executives and even heads of state. Barack Obama fought hard to keep his Blackberry® when he was elected president. Now, an Apple iPad, used to review staff reports and stay plugged into the world outside the White House, can be spotted on his desk or under his arm as he boards Air Force One.
Consumers, generally speaking, have been quicker than businesses to incorporate new mobile devices into their daily routines. However, many technology experts agree that today's business executives are determined not to make the same mistake with tablets as they did with smart phones, which were initially dismissed as expensive toys.
With six out of ten global executives now using tablets according to a recent Doremus/Financial Times1 poll, some analysts say that tablets could become executives' primary computing device.
Executive computing preferences aside, one thing is clear: a mobile device explosion is underway. Tablets have gone main stream and show no signs of stopping. Gartner, an industry research firm, estimates that tablet sales will outnumber PC sales by 20152, which may further support the notion that executives, and tablet users in general, are likely to transfer their personal affinity for tablets to their workplace.
Merging Consumer and Business Habits
From legacy technologies to new technologies, few industries are as dependent on, or have harnessed technology as aggressively, as financial services. A vast interconnected electronic network of correspondent banks, clearinghouses, and payment systems worldwide processes trillions of transactions a day. Internet connectivity fueled electronic banking's emergence as the "new normal" for businesses and, increasingly, consumers.
Corporate banking portals, introduced just over a decade ago, have moved far beyond providing access to basic account information and transaction capabilities. CitiDirect BESM, for example, provides a single window for services that span cash management, payments, trade, supply chain finance and liquidity management, for instance. It also yields quick access to detailed and consolidated transaction and account data, plus tools for analyzing that data. As such, it serves a wide range of treasury and finance staff—from the data reporting needs of analysts and managers to the strategic cash management, forecasting and risk-mitigation responsibilities of more senior executives.
Going Mobile
Banks, in response to the proliferation of mobile devices have been rolling out mobile banking options for both consumers and businesses in recent years, although corporate offerings typically lag somewhat behind consumer sites. A June 2013 report by Aite Group3 revealed that only 37% of the financial institutions it surveyed were live with mobile offerings for corporate clients. Among them, the tendency has been to focus on smart phones first, then tablets.
One reason for the difference in pace is that businesses' requirements and expectations are significantly different from those of consumers. Another is that the devices themselves present certain development challenges. There also are security considerations. Businesses expect mobile security to mirror that of their enterprise environment.
Solutions That Fit the Device—and Their Users
Some financial institutions, when going mobile, try to simply emulate the online banking experience on a mobile device. Citi's strategy, on the other hand, is to offer only the specific functionality that users want when they are away from their offices and to develop applications tailored to the type of device.
Citi's research shows that users do not crave the full functionality of an online banking platform on their mobile devices for a variety of reasons. "Must have" mobile features, according to the research, include, for example, the ability to perform activities such as accessing account balances and the status of transactions, authorizing and releasing payments, initiating pre-formatted payments for domestic and international funds transfers, and receiving event notifications.
Smart phones and tablets demand different application-development models and present different opportunities for customizing the user experience.
The small screen size of cell phones, for example, makes navigation trickier and provides limited information visualization. Tablets, unlike mobile phones or even PCs, create a more immersive experience.
Simply "dumping" a mobile phone application on a tablet can degrade the overall experience and fail to leverage the unique information presentation and multi-media capabilities of tablets. Tablets present the chance to engineer a distinctly new banking experience that replicates the interactive appeal of successful consumer apps and differs significantly from that of mobile phones and even PCs.
New Cash Management Models
Online banking experiences may differ somewhat on PCs, mobile phones and tablets; however, combined they are shaping whole new models of communication and cash management among treasury staff and senior executives.
Take, for instance, a major corporation that uses an online banking portal such as CitiDirect BE to manage accounts and transactions globally. A financial clerk in Singapore can enter into CitiDirect BE a series of payments for the purchase of heavy machinery in Australia and submit them for approval to the regional treasurer in Hong Kong. The treasurer while on a business trip to India can review and authorize the payments using a mobile phone, only hours after they are entered. Meanwhile, it's morning in London, where the CFO is preparing for the CEO's weekly management meeting. From the boardroom, the CFO can use CitiDirect BE Tablet to quickly check the company's global cash position and see that the series of payments have just been made in Australia. With a few taps, the CFO can drill down on a map or graph to see the resulting balances and then subsequently confirm the execution of the company's strategy at the meeting.
It's hard to believe that today's executive can simply touch the screen of a banking application on an electronic tablet to get answers, almost instantaneously, to questions about market positions, currency risk, funding sources and operating needs, across virtually every part of the globe. It took more than 1,000 years for the technology of papermaking, which could be considered the disruptive innovation of its millennium, to travel from China to Europe.
Admittedly, business applications for tablets are in their infancy but, like the sales of tablets themselves, they are quickly on the rise.
Informed executives realize that tablets, like smartphones, are more than a glitzy toy. They are powerful tools that can transform how they monitor and manage their businesses and make decisions, providing easy and quick access to mission-critical information.
1. 2013 "Decisions Dynamics" survey of Doremus and Financial Times
2."Forecast: Devices by Operating System and User Type, Worldwide, 2010-2017, 1Q13 Update," Gartner, March 28, 2013
3."The Corporate Portal Strategies of Large Banks Around the Globe," Aite Group LLC, June 2013
Read the December Special Report on Technology.


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Slideshow: China and the future of solar power
25 comments
SAN FRANCISCO Not so long ago, Chinas solar industry was at the top of the global renewable energy heap, knocking out millions of solar panels while steadily driving down their price - to the delight of U.S. consumers. For U.S. competitors, of course, it was a different story: squeezed profit margins were driving many U.S. companies out of business or to offshore manufacturing locations like China.
We toured at a big North American solar exhibition here recently and were immediately struck by the sheer number of well-heeled Chinese solar manufacturers exhibiting at the event. But lately there are clear signs that even Chinese solar manufacturers are suffering as their own profit margins have been whittled down to the thickness of a polysilicon wafer.
[Get a 10% discount on ARM TechCon 2012 conference passes by using promo code EDIT. Click here to learn about the show and register.]
Reports out of China indicate that key segments of Chinas renewable energy infrastructure like photovoltaic technology are nearing collapse. In August, the head of a Chinese solar company leapt to his death when he realized his company couldnt pay off a government loan. Other Chinese solar panel manufacturers have recently cut production.
All this as oil futures continue to rise and gasoline prices remain above $5 a gallon in key markets like California.
With trade tensions rising between the U.S. and China, some Chinese vendors at the Inter Solar North American exhibition here also evinced a growing awareness of how the global trade system operates when rival economies are hurting. One Chinese vendor prominently display at its booth a key passage from a U.S. International Trade Administration ruling that the company did not dump solar panels on the U.S. market.
Growing trade tensions between China and the U.S. along with the exodus of solar manufacturing to China have placed solar politics at the forefront in a presidential election year. One of candidate Mitt Romneys so-called presidential debate zingers accuses the Obama administration of surpassing the old GOP saw about picking between winners and losers with picking only losers -- a not-so-subtle reference to last years Solyndra debacle.
Factors like climate change, the drive for energy independence, access to capital, technological advances and plain-old politics are constantly reshaping renewable energy markets. We offer a snapshot of that market and where it might be headed.
SolFocus' concentrator photovoltaic panels use optics technology to capture sunlight and concentrate it hundreds of times on a solar cell.


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How eight engineers designed the next EV
1 Comment
SUNNYVALE, Calif.--A key part of any stop on the year-long Drive for Innovation was interacting with engineers either examining our Chevy Volt or driving it around.
Everyone had a design suggestion. Analog Devices took it to the next level, in the Fall of 2011, by hosting an outdoor reception during which employees put Sticky-note design suggestions all over the car.
That sparked an idea: How would our engineering audience design an EV for the future?
Serendipitously, Mark Skillings, a former longtime marketing executive with ADI, suggested over dinner that we focus-group it.
ADI, as it turns out, once used a decision-making, consensus-building process called the KJ Method, after its inventor, Jiro Kawakita. Skillings, now founder and president of the TMC Group, swore by it, and noted that his product development teams used the K-J and other voice-of-the-customer (VOC) techniques in the new product development process.
So we convened a focus group of eight engineers here earlier this year (one-way glass and the whole shootin' match), which Skillings led deftly. In the space of two hours, we'd identified and built consensus around the right ways to focus next-generation vehicle design. Here's what happened: We started by trying to bound the problem:
What are the factors limiting the acceptance of Electric Vehicles (EVs) in the US?The process, in which there are no wrong or right answers, allows the participant to write any number of answers to the question and place them on a whiteboard. Our eight lucky engineers one by one and multiple times jotted down thoughts and stuck them, more or less randomly, on the board.
They wrote several dozen answers, such as:
- Charging time
- Range low
- Price high
- Repair cost
- Charger accessible
- Reliability
Then, we asked our engineers to group the stickies silently in any manner that they believe two or more go together. (Silence is the key, since it allows everyone to consider how they would group them without being badgered). Then a round of conversation was followed by some additional labelling--all led by the engineers.


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Death Notices for Nov. 7. 2013
Ondean N. Bernier, 89, Elkhorn, died Tuesday at Holton Manor Nursing Home, Elkhorn. Services will be at 11 a.m. Saturday at Haase-Lockwood & Associates Funeral Home and Crematory, Elkhorn. Visitation will be from 10 a.m. until the time of services Saturday at the funeral home.
Jeanette Hoffman, 94, Woodruff, died Tuesday at Seasons of Life Hospice, Woodruff. Services will be at 2 p.m. Friday at Spring Grove Cemetery, Delavan. Monroe Funeral Home, Delavan, is assisting the family.
Georgene Eleanor Johnson, 91, Janesville, died Tuesday at Mercy Hospital and Trauma Center, Janesville. Arrangements are pending at Brian Hansen Funeral Service, Janesville.
Peter J. Pappas, 55, Lake Geneva, died Saturday at St. Luke's Medical Center, Milwaukee. Services will be at 11 a.m. Friday at Derrick Funeral Home, Lake Geneva. Visitation will be from 4 to 8 p.m. Thursday at the funeral home.
Ruth M. Schultz, 92, Janesville, died Tuesday at home. Private services will be held Monday. Henke-Clarson Funeral Home, Janesville, is assisting the family.


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|Worldwide, Turkey, Diyarbakır
Galileo Learning is looking for Summer Program Directors for the 2018 season in the Bay Area, Los Angeles and Chicago.
GoNannies.com - Quickly find a nanny or nanny job in your area through the nation's most trusted online source for nannies, sitters, senior caregivers, and housekeepers.
© Copyright 1996-2017 AboutJobs.com, Inc. All Rights Reserved
SummerJobs.com is part of the AboutJobs.com Network of Sites!
The AboutJobs.com Network:
AboutJobs.com | SummerJobs.com | SeasonalJobs.com | OverseasJobs.com | InternationalJobs.com | ResortJobs.com | InternJobs.com


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From single-cell analysis to whole-genome sequencing, this year's best new products shine on many levels.
Prepped for the Long Sleep
July 30, 2014|
Hibernation-related proteins are common even in non-hibernating animals, a study shows.
July 30, 2014|
Hibernation-related proteins are common even in non-hibernating animals, a study shows.
July 25, 2014|
Blood-based Alzheimer's diagnostics; CRISPR cuts out HIV; Leishmania and the sand fly microbiome; deconstructing the lionfish science fair debacle
July 24, 2014|
Hundreds of loci in the genome are associated with the age at which a girl starts menstruating.
July 22, 2014|
Researchers determine that heritability outweighs non-genetic risk factors when it comes to the developmental disorder.
July 18, 2014|
Converting heart muscle to pacemaker cells in pigs; alternative splicing and the human proteome; questioning a reported yogurt mold-illness link; H. pylori swiftly find mouse stomach injuries
July 16, 2014|
People tend to choose friends who share their genes, a study suggests.
July 11, 2014|
Assessing mtDNA mutations among healthy people; heritability of intelligence; epigenetic inheritance of maternal malnutrition markers; consumers buy into DNA ancestry
July 10, 2014|
Mice undernourished during pregnancy can transmit the effects of such nutritional stress to their sons' germ cells, epigenetically.
July 10, 2014|
Cognitive testing in chimpanzee pedigrees reveals a genetic basis for intelligence.
July 10, 2014|
Big ad campaigns and celebrity involvement have helped increase public interest in genetic genealogy, but helping consumers understand their DNA ancestry testing results remains difficult.


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Janesville man accused of old-school prostitution
JANESVILLE—As Janesville police gear up to address the problem of prostitutes who advertise online, they are dealing with a prostitution case they believe goes back long before the Internet became a part of daily life.
Police on Tuesday arrested an elderly man who is believed to have been taking photographs of nude women for decades in a storage building on Delavan Drive.
Police accuse the man of paying some of those women for sex.
In consultation with the district attorney's office, police on Tuesday arrested him on felony charges of soliciting for prostitution and maintaining a place of prostitution.
The accused is Robert L. Patterson, 87, of 404 Rockport Road, Janesville.
Patterson has been photographing women in the Delavan Drive building for decades, Deputy Chief Danny Davis said.
Davis estimated hundreds of women were involved, making $20 to $60 for posing or for providing sexual favors to Patterson.
No other men were involved, as far as police know.
Davis said women often learned by word of mouth that Patterson would pay for the nude poses. In some cases, Patterson would read local news about women fined for crimes. He would track down the women and offer to help them pay off the fines by posing.
The investigation began in April, when Patterson told police he had been robbed by some unknown person at 1012 Delavan Drive. Police interviewed neighbors, and one of them said it was known that Patterson took photos of naked women in the storage building.
The neighbor speculated Patterson knew more about the robbery than he told police.
Police talked to Patterson again, and he eventually admitted the photography and the prostitution, Davis said.
Some of the women were regulars at the storage facility for a considerable time, Davis said, but some of those were there only to be photographed.
Davis said Patterson worked largely or exclusively with a film camera, and police have confiscated numerous printed photographs as evidence.
It appears Patterson did not sell or otherwise distribute the photos, Davis said.
The ages of the women varied. At least two were 18, but police do not believe juveniles were involved, Davis said.
Patterson was booked and released. The district attorneys' office on Thursday was still reviewing police reports.


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Grasslands Ward Australian-aboriginal population
- Profile
- Grasslands Ward
- Population of Grasslands Ward
- Australian-aboriginal Population
Access Grasslands Ward Australian-aboriginal population statistics in an up-to-date, accurate website based on the latest Census data.
Grasslands Ward's Australian-aboriginal population is recorded in the Census every five years by the Australian Bureau of Statistics. The latest Census was conducted in 2011.
In the Census, people are asked about their country of birth, the languages they speak at home, proficiency in English, their ancestry and their religion. Together these questions paint a picture of the ethnic makeup of Grasslands Ward.
The local council funds population experts, .id, to convert this raw data into stories of change by analysing the Census data back to 1991 and presenting it in an online community profile.
These websites are freely available to inform community groups, investors, business, students and the general public. They present the data in simple, clear tables and charts with concise factual commentary.
Results for Grasslands Ward include country of birth, ancestry, language spoken at home, proficiency in English, religion, age structure, income, qualifications, occupations, employment, unemployment, disability, disadvantage, volunteering, childcare, family structure, household structure, housing tenure, mortgage and rental payments, and the size and type of the dwellings people live in. Population forecasts and economic information are also available for some areas.


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Konik provides an easy way to create, read, and validate ZUGFeRD invoices. It features an easy and understandable API, extensive documentation with examples, logical invoice validation with JSR303, validation of invoices against ZUGFeRD profiles, validation of invoices against specific country invoice regulations, easy invoice appending or extracting in and from PDFs, and multiple PDF Carriages from different vendors.
Mantle Business Artifacts is a business application foundation built on the Moqui Framework. It includes a Universal Data Model (UDM), Universal Service Library (USL), and a Universal Business Process Library (UBPL). It includes functionality for order to cash, procure to pay, work plan to cash, and much more. It provides management of orders, invoices, payments, products, inventory, fulfillment, receiving, projects, tasks, requests, time and expense tracking and vendor/client billing, general ledger with configurable automated posting, etc. It is a generic foundation for custom and industry specific ERP, CRM, eCommerce, and general enterprise automation software.
Dolphin Dispatch is trucking dispatch software that allows you to track dispatches, convert completed loads into invoices, and receive cash against invoices. Rates can be automatically generated based on origin and destination zip codes. It offers: unlimited users/multi-user, and unlimited data in a MySQL database. It can quickly convert completed loads into invoices, upload additional documents associated with loads, and email or text drivers directly from the system.
OpenPSA is a Web application designed specifically to meet the needs of Web agencies and consultants. It aims to be a one-stop solution for the management of typical agency business processes, such as project management and time tracking, invoicing and document management, and group calendars. It also includes CRM features such as sales force automation and direct marketing, and is extendable via the builtin component framework.
HiveMind Project Manager is a project management application featuring request tracking, and wiki-based content management. It supports multiple vendors, multiple clients, flexible billing rates, time recording, expenses, client and vendor/worker invoicing, payments, and general ledger. In addition to specific find screens for everything, there is a single screen with general text and parametric search across projects, tasks, requests, and wiki pages. Based on Moqui Framework and Mantle Business Artifacts, HiveMind has a solid business foundation and is well suited to complex customization.
MEVEO is a billing system for mediation, rating, invoicing, payment, dunning, and composition. It is adapted to the following situations: batch processing of thousands of invoices per month (or much more), complex price plans, real time rating, and re-rating, automatic provisionning through an API, multi-format CDRs, and pre/post-invoicing reports.
Jledger is a Java Business Accounting API that consists of invoicing, general ledger, stock/inventory control, and other business APIs that will assist Java developers in building business software with ease. It will take care of the business logic like accounting double entry, Stock Balance and management (FIFO), etc., and seamlessly integrate each part of business operation as a whole.
Multiple vendor client/server UPS monitoring software.
A tool that parses PostgreSQL log files and generates fully detailed reports with charts.


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|Kids Rugs
Solid and Basic Rugs
Novelty Rugs
Shag Rugs
Braided Rugs
Play Mats
Custom Rugs
This item Amanda Sculpted Rug is currently unavailable.
Kids Nursery Rugs
Sink into sumptuously soft Kid's Rugs!
Sink your feet into our rugs and feel the warmth of their welcoming embrace. Here at aBaby.com we have a full line of shaggy, thick, soft, inviting, and aesthetically pleasing rugs. Our rugs do it all – they enhance your room and provide the warmth and comfort you crave! Browse our categories and check out our rugs that come in all shapes, sizes and styles.
We have solid color rugs in soft pastels or bold primary colors. We offer rugs with elegant flairs, and rugs that add pizzaz with their dazzling designs. Our striped rugs and polka dot rugs add a classic cheer, while our plaid rugs and floral rugs lend a touch of spirit.
|Choose from our many area rugs; round rugs, square rugs, oval rugs, and rectangular rugs.
Search through our many themed rugs until you find the rug that is perfect for your youngster. We have star rugs, train rugs, princess rugs, and wild Western rugs. We have animal print rugs, surf board shaped rugs, and alphabet rugs to name just a few. Our youthful designs and enchanting themes will delight your youngster!
When the alarm clock rings, open your eyes, stretch, and get out of bed, sinking your feet into the warmth of our soft rugs.


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Autumn Favorites: Cheese and Heirloom Apples
Spring may be the season of rebirth, but we can't help a similar feeling of renewal when September rolls around: new season, new school year, cooler temperatures (at least in the northeast). Autumn is also the time to celebrate the harvest – particularly the new batch of apples, that most emblematic of fall crops. Fresh or preserved, apples are a simple and versatile addition to any cheese plate. Try a few slices of your favorite variety or a jar of apple preserves with these classic cheeses:
Our favorite cheddars are made in the traditional "clothbound" style – the cheeses are carefully wrapped in bandages and allowed to breathe as they age. These cheddars develop wonderfully complex fruity flavors and a distinct earthiness. Our cheddar collection includes British classics Montgomery's and Keen's, Avonlea (a crumbly Canadian cheddar) and our American favorite, Cabot Clothbound, which is aged by our friends at the Cellars at Jasper Hill in Greensboro, Vermont.
This bloomy-rind French classic hails from Normandy, a famed apple-growing region and the home of Calvados, the strong apple brandy. The Camemberts we carry are soft and buttery with undertones of earth and mushrooms. A few slices of a tart, crisp Macoun apple make a perfect foil for these small, rich rounds.
A Formaggio staff favorite, this is a raw milk version of the classic English Stilton. Randolph Hodgson of Neal's Yard Dairy and American cheesemaker Joe Schneider returned to the traditional recipe for Stilton and created this stunning blue cheese. Stichelton typically has a creamy interior and a bit more intensity than our Colston Bassett Stilton. It has its own seasonal variations in texture and flavor, which make it all the more interesting. Try a traditional pairing with Port or for something more unusual, a few slices of spiced crab apple from Robert Lambert in California.


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5 best proofs of evolution
Discussion of everything related to the Theory of Evolution.
Moderator: BioTeam
How about I give you five good proofs of God instead?
Generally speaking, the more people talk about "being saved," the further away they actually are from true salvation.
#2 Total Post Count
it's like this:
Proof that God exists: None;
Proof that Evolution happend: Maybe;
Faith that God exists: Much;
Faith in evolution: little;
sorry for being so lame, I'm too lazy to actually think on this one. But here is my 1 'proof' that I want to throw out about God:
In the universe and on Earth, we see order and life. We know there are two posibilities: there is no God, and everything came about through complete undivine randomness (okay, nothing's random, unless your talking about QM); the second one: because we see order and life in the universe and on Earth, it makes more sense to say "in the begining was intelligence", then "in the begining was no intelligence."
Okay, simplistic argument. but consider that believers life by faith, not evidence. I could give real evidence, but it won't resemble science, nor can be tested, so it can't count in this debate.
Re: 5 best proofs of evolution
I think you've made the mistake of assuming they are mutually exclusive concepts. Creation as detailed in the book of Genesis, if taken literally, is mutually exclusive with evolution, God is not. Not all ideas about God involve such a creation myth. Take Deism, for example. Deist believe that there is a God, who was responsible for creating the universe, but who did not interact with it after that. In such a belief system, Evolution could just be a mechanism built into the universe to allow life to arise without divine intervention.
The existence of a Deity does not refute evolution, and the truth of evolution does not refute the existence of a Deity, it only implies a lazy one.
The existence of God can never be disproven scientifically imho, therefore it's a moot scientific point.
Evolution is a word that encompasses a HUGE array of theory, much of which is backed up by sound empirical data, so for someone to "disprove evolution" they wouldn't be able to do so by addressing one point or another.
When you challenge someone to disprove evolution, you are being unfair (almost as unfair as someone challenging you to disprove God).
Be more specific in your challenge. Perhaps ask them to attempt to disprove current theory on the evolutionary lineage of cetaceans. In this way you can both learn, and perhaps contribute to the scientific community.
The "discussion" you describe serves no purpose but to turn you both blue in the face. In the end neither of you will have accomplished anything except perhaps strenthening your own beliefs.
One last thought: Do you accept evolutionary theory as a valid model, given the scientific research supporting it? Or do you believe in evolution? For some, evolution can be just as much a matter of faith as God is for Christians (or other faiths).
What did the parasitic Candiru fish say when it finally found a host? - - "Urethra!!"
I think there's a lot more evidence for God's existence than most scientists are willing to admit. To me, denying the existence of God is exactly the same as denying the existence of my co-worker, whom I see and talk to every day. What I don't understand is why evolution has to be misconstrued as some sort of attack on theism. Darwin - if his opinions mean anything - mentioned "the Creator" very often in Origin of Species.
Generally speaking, the more people talk about "being saved," the further away they actually are from true salvation.
#2 Total Post Count
Those are good points Astusaleator
I especially would like to see evidence provided about the lineage of humans
I believe that the bible is the inspired word of God. So that being the case, the bible should give testement about life and the creation of it.
It repeatedly refers to the creation of living things according to their kinds.
God did not have to create all the variety we see today only the kind or type.
For example,There may have been one kind of Cat -type animal in the begining which then gradualy came the variety we see today.
Humans however, are described as a distinct kind.
It has been my firm belief that evidence would be found to back this up and disprove some of the theories that man evolved from Ape/like
As time goes on their will be more evidence of this.
So it did not come as a surprise to me when I read about
New research which discredits the long standing theory that Homo habilis evolved in to Homo erectus. They were seperate and distinct species living at the same time.
If evidence continues to validate the bibles descriptions then IMO it gives proof that God exists.
"How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and strong. Because someday in life you will have been all of these".
~ George washington Carver
I wonder what exactly you consider to be a "kind." To me, it sounds like an all-too-easy fall-back argument. There was a time when anti-evolutionists used very similar arguments to deny any sort of speciation; now that overwhelming evidence of speciation has been found, they have altered their argument to deny the development of new genera and families. Perhaps once further evidence is discovered, they will change the definition of "kind" to mean orders, classes, and phyla. My point is that it's all to easy, once it has been established that one organism evolved into another, to say "Well they're both the same 'kind,' so that still doesn't prove anything." That's why the "kind" argument really doesn't seem valid to me.
Generally speaking, the more people talk about "being saved," the further away they actually are from true salvation.
#2 Total Post Count
kclo4x, I'd like to hear your "proofs" evolution.
As far as why I am a creationist, here are a few reasons:
1) I believe the Bible is true and that Jesus Christ died on the cross for all of mankind. If Jesus Christ died on the cross, then this validates Adam's original sin. If, however, man evolved from worms, then there was never an original "Adam"...thus no original sin that condemned mankind.....this, in turn, invalidates any reason for Jesus to die on the cross.
2) There is no valid materialistic origin of life...science seems to be shying away from this nowdays, seemingly accepting that life has an unknown cause.
3) There is no valid explanation for the origin of the genetic code, which is insanely huge and complex, yet compressed into an incredibly small package.
4) The dinosaurs, which are said to have lived 100 million years ago have been unearthed with soft tissue/proteins embedded in their bones, which indicates that they could not possibly be millions of years old. Also, ancient art and sculptures have depicted dinosaurs on cave walls and on art.
5) There is not even one substantiated scientific validation of the mechanism of Random mutations culled by natural selection. Not one. Never has science even dared to prove this concept in a laboratory test or in the field with real animals....and this is because the mechanism is a fairytale. Physiological change, which is misconstrued as "evolution" is actually a just a developmental phenomenon in individuals. Evolutionists have long said that phenotypic change results from mutations, but in reality it's not mutations that modify phenotype, it's a re-expressions of regulatory genes that happens during development. This is a purposeful, intelligent process that has nothing to do with changes in genes or adding new genes. You can read more about that here:
6) There is no materialist origin for anything.
7) The mind manipulates matter, not the other way around. It's a fact that sensations, awareness and other mental processes can purposefully alter/modify morphology, even lead to evolutionary, heritable change. If materialism were true, matter would have to manipulate mental processes.
There are no ape fossils that transition into human fossils.
9) Science has never found any common ancestor....not between man and apes -- not between any other animals either. Common ancestors are a figment of peoples' imagination and have no place in science.
10.) There is no scientific explanation for consciousness.
Supersport, I mean this in the nicest way possible, but there is nothing resembling scientific validity in your most recent post.
Now am I going to have to be the one to disprove his statements or would someone else like a go? I'm kind of tired out from debating in the "Mutations" thread.
Generally speaking, the more people talk about "being saved," the further away they actually are from true salvation.
#2 Total Post Count
You know what, never mind, here I go:
I believe the Bible as well, but Genesis seems to be remarkably compatible with evolution, doesn't it? And perhaps God caused Adam to evolve from an ape-like ancestor, and then Adam committed his original sin, and then from him came all of humanity? Scientists have found genetic evidence of Eve's existence, so why not Adam as well?
This has absolutely nothing to do with evolution. Evolution only explains how life developed after it originated, not how it originated in the first place.
I'm not so sure on that one. Various biocompounds such as amino acids and nucleotide bases have been found to occur naturally in various parts of the universe. It's quite possible those naturally-occurring biochemicals could've come together to form the first cell.
This is such a blatant fallacy I wonder if I should even bother to answer it. Soft tissues can be fossilized under the right conditions. As for dinosaurs appearing in ancient art, that is completely untrue. Please cite sources if you think otherwise.
I suggest you read Evolution: The Triumph of an Idea by Carl Zimmer and Finding Darwin's God by Dr. Kenneth Miller. Both have plenty of descriptions of evidence validating exactly what you claim has never been validated.
And this disproves evolution how?
Yet evolution and materialism are two completely different theories.
Completely untrue. Read either of the above-mentioned books or, better yet, Stephen Jay Gould's The Book of Life for some useful information on human ancestors.
Again, this is just plain not true. Read any of the above-mentioned books as good sources.
What does this have to do with evolution?
Generally speaking, the more people talk about "being saved," the further away they actually are from true salvation.
#2 Total Post Count
Why are you people denying that unfossilized soft tissue...ie proteins, blood vessels, cells, etc have not been found embedded in dinosaur bones?
http://news.nationalgeographic.com/news ... issue.html
March 24, 2005
A Tyrannosaurus rex fossil has yielded what appear to be the only preserved soft tissues ever recovered from a dinosaur. Taken from a 70-million-year-old thighbone, the structures look like the blood vessels, cells, and proteins involved in bone formation.
So tell me, do you really think soft tissue could last for 70 million years without fossilizing or disintegrating? I don't
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text:
Valproic Acid/Salicylates Interactions
This information is generalized and not intended as specific medical advice. Consult your healthcare professional before taking or discontinuing any drug or commencing any course of treatment.
Medical warning:
Moderate. These medicines may cause some risk when taken together. Contact your healthcare professional (e.g. doctor or pharmacist) for more information.
How the interaction occurs:
When these two medicines are taken together, your body may not properly process valproic acid.
What might happen:
Your blood levels of valproic acid may increase and cause toxic effects.
What you should do about this interaction:
If you experience loss of coordination, drowsiness, tremor, or uncontrolled movements of your eyes, contact your healthcare professional (e.g. doctor or pharmacist). Your doctor may want to measure the amount of valproic acid in your blood and may adjust the dose.Your healthcare professionals may already be aware of this drug interaction and may be monitoring you for it. Do not start, stop, or change the dosage of any medicine before checking with them first.
- 1.Orr JM, Abbott FS, Farrell K, Ferguson S, Sheppard I, Godolphin W. Interaction between valproic acid and aspirin in epileptic children: serum protein binding and metabolic effects. Clin Pharmacol Ther 1982 May; 31(5):642-9.
- 2.Abbott FS, Kassam J, Orr JM, Farrell K. The effect of aspirin on valproic acid metabolism. Clin Pharmacol Ther 1986 Jul;40(1):94-100.
- 3.Farrell K, Orr JM, Abbott FS, Ferguson S, Sheppard I, Godolphin W, Bruni J. The effect of acetylsalicylic acid on serum free valproate concentrations and valproate clearance in children. J Pediatr 1982 Jul; 101(1):142-4.
- 4.Schobben F, Vree TB, van der Kleijn E. Pharmacokinetics, metabolism and distribution of 2-N-propyl-pentanoate (sodium valproate) and the influence of salicylate comedication. In Meinardi, H. //Rowan, A. J. Advances in Epileptology Psychology, Pharmacotherapy and New Diagnostic Approaches. Amsterdam, Swets & Zeitlinger B. V. 1978;271-7.
- 5.Goulden KJ, Dooley JM, Camfield PR, Fraser AD. Clinical valproate toxicity induced by acetylsalicylic acid. Neurology 1987 Aug;37(8):1392-4.
- 6.Sandson NB, Marcucci C, Bourke DL, Smith-Lamacchia R. An interaction between aspirin and valproate: the relevance of plasma protein displacement drug-drug interactions. Am J Psychiatry 2006 Nov; 163(11):1891-6.
- 7.Addison RS, Parker-Scott SL, Eadie MJ, Hooper WD, Dickinson RG. Steady-state dispositions of valproate and diflunisal alone and coadministered to healthy volunteers. Eur J Clin Pharmacol 2000 Dec; 56(9-10):715-21.
- 8.Rettenmeier AW, Prickett KS, Gordon WP, Bjorge SM, Chang SL, Levy RH, Baillie TA. Studies on the biotransformation in the perfused rat liver of 2-n- propyl-4-pentenoic acid, a metabolite of the antiepileptic drug valproic acid. Evidence for the formation of chemically reactive intermediates. Drug Metab Dispos 1985 Jan-Feb;13(1):81-96.
- 9.Fleitman JS, Bruni J, Perrin JH, Wilder BJ. Albumin-binding interactions of sodium valproate. J Clin Pharmacol 1980 Aug-Sep;20(8-9):514-7.


text:
The newly upgraded and expanded FirstMerit Bank Pavilion opened this past weekend on June 28 and 29, first with O.A.R. and then the legendary Jimmy Buffett and the Coral Reefer Band.
During construction of the new lawn and in the days leading up to the show, however, Chicago
experienced record-breaking rains in the wettest first half of the year on record, 11.93 inches
above average year to date. As a result of these conditions, the lawn retained a significant
amount of water and some lawn seating patrons encountered mud or were subjected to
compromised sight lines as other patrons moved away from muddy areas. Crews were out in
force at the site on Sunday morning, cleaning up the area, reinstalling the lawn, and ensuring
that all will be ready in time for the next show.
"Chicago has experienced almost thirty inches of rain so far this year, which is already more
than fell in all of 2012," said Mark Campana, Co-President North American Concerts, Live
Nation. "We apologize for the wet ground experienced by lawn patrons on Saturday, June 29
and so we are inviting those people to be our guests at another Live Nation outdoor show this
Lawn ticket purchasers for the Saturday, June 29 show will be contacted directly via email,
where they will receive information on how to redeem a complimentary lawn ticket for each
lawn ticket purchased for Jimmy Buffett and the Coral Reefer Band, to any available show at
FirstMerit Bank Pavilion, First Midwest Bank Amphitheatre, or Alpine Valley. The offer is
based on availability and will be subject to expiration, so participants are encouraged to
respond quickly for best selection, once they receive the email from Live Nation.
About Live Nation Entertainment:
Live Nation Entertainment (NYSE: LYV) is the world's leading live entertainment company comprised of four market leaders: Ticketmaster.com, Live Nation Concerts, Artist Nation Management and Live Nation Media/Sponsorship. For additional information, visit www.livenation.com/investors.
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text:
Theories - Origin of Life
Discussion of everything related to the Theory of Evolution.
Moderator: BioTeam
Re: Theories - Origin of Life
I thought we were discussing science not faith. Obviously if you are using faith you can believe anything you want and I can't argue with faith. Faith does have some spotty history though. Good ideas according to faith, Burning people alive, crashing airliners into office buildings, killing healthcare providers etc. Then there's the problem of faith in who? You mentioned thousands of people who believe in creation. Can't argue with that statement but there are hundreds of millions who believe that the creation theory includes the world sitting on the back of a really big turtle. Does that sound more of less silly than flammable shrubbery telling you what to do.
You also haven't answered my questions about why your intelligent designer doesn't seem able to design very well. Why creat all those people who believe all those untrue religeons?
As for insulting you, don't feel bad, Aristotle, one of the great minds of western civilisation, was wrong about everything. It took hundreds of years of science to undo the weird stuff he made up.
Also in science we try not to take things personally.
Re: Theories - Origin of Life
First of all, there is evidence for Creation, as I have shown in many posts on this website.
Second, about why God created people, who do not worship him, God doesn't want mindless zombies, he wants people to accept him because they feel grateful to him. Think about it, if you were able to create beings capable of their own thoughts, wouldn't you rather create them, rather than some machine that tells you that you are awesome every morning?
As to the insults I am not merely complaining, I take no offense at your insults, but I like to think that I am conversing with intelligent people, who back up their claims with evidence, rather than people who just call names.
"The scientific establishment bears a grisly resemblance to the Spanish Inquisition"-D. Gould
Re: Theories - Origin of Life
Still no answer for why the design is so bad and seems to be overly dependent on designs carried forward from earlier ancestral forms. In evolution it's called evolutionary baggage and it's just what you would expect.
Re: Theories - Origin of Life
The chiropractic industry is based on the lower back pain that humans are so prone to.
Only an idiot would have the path of air into the lungs cross the path of food and water into the stomache. Serious choking hazard.
On the subject of breathing our lungs breath in and out through the same path, this mixes new air with old air which is very inefficient. Birds have a better system that uses a series of air sacs to push air through the lung in only one direction.
Heck if I was designing humans I'd make them able to fly and photosynthesize and rationally control our population.
I'd also suggest that sex should be more satisfying with long term committed partners than first time flings and adultery.
Why viruses?
Why birth defects?
Why cancer?
There may be reasons for that setup, as there were for the appendix, which man thought was useless, until it was discovered that it had many purposes. Also there would be many problems, with man being that way, and what do you mean by rationally control our population?
As to your questions, let it suffice to say that if man lived his life the way that God intended him to, we would have none of those problems.
"The scientific establishment bears a grisly resemblance to the Spanish Inquisition"-D. Gould
Re: Theories - Origin of Life
When you say "there may be reasons" in science you are then expected to say what those reasons are.
I'm curious, I know what the appendix (Cecum) does in other species. Slow fermentation of fiber.
What are those great things that it does in humans that would outweigh the intense pain and death associated with it? Why can't God make it work for us without the apendicitis?
In science attempting to avoid answering questions makes people assume you don't know what you are talking about. Better to say "interesting question, I don't know". That way people will at least think you gave it some thought.
As you are new to science I will give an example.
God created everything therefore God created cancer. He gave us cancer to make us appreciate life more. Not obviously very convincing to those who get cancer but it at least follows the right form and is logical.
Hypercycles, as an overarching organization of autocatalytic sets, have been proposed as a model for the origin of life (Eigen and Schuster 1977) and are explained at Principia Cybernetica Web. However, complex hypercycles only exist as computer simulations. More than thirty years after the introduction of the hypothesis, there is no experimental evidence whatsoever for complex, possibly prebiotic hypercycles. This makes them still nothing more than mere speculation and, while the hypothesis has been a recurring theme in the scientific literature about the origin of life, it is not frequently mentioned anymore in recent publications in the field.
So far only one, very simple, hypercycle has been generated more than 10 years ago in the laboratory with two self-replicating peptides by the group of Ghadiri (Lee et al. 1997). However, these authors posted a correction (Lee et al. 1998) where they state: "Although the kinetic data suggest the intermediary of higher-order species in the autocatalytic processes, the present system should not be referred to as an example of a minimal hypercycle in the absence of direct experimental evidence for the auto-catalytic cross-coupling between replicators."
There is a single report on a naturally occurring hypercycle (Eigen et al. 1991). But this example, relating to the infection cycle of an RNA bacteriophage, obviously is not prebiotic – the cycle evolved on the complexity of living beings as template.
Re: Theories - Origin of Life
You might want to use less jargon in this forum because I for one have no idea what you are talking about or why.
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text:
Online map shows economic development projects
JANESVILLE—Investments made by the Wisconsin Economic Development Corp. in Rock County have resulted in 278 new jobs and the retention of nearly 1,200 others in the last two years.
That's according to a new, interactive map online developed in partnership with the UW-Whitewater and UW-Madison.
The map shows the individual investments WEDC has made since July 2011. Users can examine key performance indicators such as award amounts and projected jobs.
The map also allows users to view summaries for regions such as Senate and Assembly districts, and the tool generates maps and summary reports.
"The impact map is a new tool for the public to see where WEDC's economic and community development projects are and get detailed information on individual awards and the expected outcomes," said Reed Hall, secretary and chief executive officer of the economic development organization.
In Rock County, the map lists 15 projects and awards made in the form of bonding authority, tax credits or grants.
Mark Maley, a spokesman for the corporation, said the contracts typically run for a period of years. The same contract can require job benchmarks be met for a certain number of years, while capital investments may be required in a different number of years.
Companies are required to submit their job and investment numbers annually, he said.
The 15 Rock County projects total nearly $159 million, and the state's commitments are nearly $42 million.
For example, the map shows a $4.1 million project for ANGI Energy Systems, which last year moved from Milton to the former ThyssenKrupp plant on Delavan Drive in Janesville.
The state committed $500,000 to the project under the condition that ANGI meet it capital investment goals, retain 100 jobs and create 25 new ones.
So far, the company has retained those 100 jobs and created 49.
To date, ANGI is eligible to claim tax credits of $266,677 of its $500,000 allotment from the state, according to the map.
In 2011, W.W. Grainger in Janesville received a commitment for $500,000 in tax credits based on capital investment and job retention and creation. The company planned to spend $2.8 million in Janesville.
To date, Grainger is eligible for just $50,000 in tax credits. The map indicates the company has retained 753 of the 761 jobs it promised but created none of the 130 jobs it said it would create.
A third Rock County example is County Materials, which planned a $14 million project between Janesville and Beloit.
To date, the company has spent about $12.6 million on the project and is eligible for tax credits of nearly $700,000. The state committed $750,000 in tax credits for the project.
The map indicates County Materials planned to retain 823 jobs and create 43 new ones. So far, the map indicates County Materials has done neither, even though the company is in operation and people are working at the Rock County facility.
Maley said the agreement was signed in April, and the tax credits are primarily tied to the company's capital investment. The state's spreadsheet has not been updated with current employment levels.
The agreement with County Materials is fairly unique, he said, because the number of jobs retained is tied to the company's employment levels at several other Wisconsin facilities.
"We're interested in creating and retaining jobs in Wisconsin, and in this case we wouldn't want to give them the tax credits for creating 43 jobs (in Rock County) and then have them move 200 jobs from other locations out of state," Maley said.
In total, the map shows that the Rock County projects have retained 1,184 of the planned 2,232 jobs. They have created 278 of 448 jobs planned.
So far, the projects are eligible for tax credits of nearly $2.5 million, about 6 percent of the $41.7 million the state will allow.
The impact map is a project in partnership with Pangea Studios at UW-Whitewater and the State Cartographer's Office and Cartography Lab at UW-Madison.
UW-Whitewater students with Pangea provided map coding and database development, while UW-Madison students with the state Cartographer's Office and Cartography Lab provided input on the design and functionality of the map.
Created in 2011 by Gov. Scott Walker and the Republican Legislature, the WEDC leads economic development efforts by focusing on business and industry development, economic and community development, entrepreneurship and innovation and international business development.
In Cole Isenberger's expected line of work, learning new languages is a big deal.
That's what the UW-Whitewater student from Orfordville had to do this summer as he teamed up with a handful of other students to provide map coding and database development for the Wisconsin Economic Development Corp.'s online map that shows the organization's investments across the state.
Isenberger and the other students work for the university's Pangea Studios, a nonprofit center that provides mapping services.
"This was a (computer) language that I had never used, and most of us hadn't," said Isenberger who is majoring in information technology and business application development. "There was a lot of benefit for me in learning it and working on this project."
Eric Compas is director of Pangea and an associate professor in the Department of Geography and Geology at UW-Whitewater.
He said the project was one of the biggest the center and its students have undertaken.
"We all stretched our skills," he said.
UW-Whitewater worked in collaboration with the State Cartographer's Office and the Cartography Lab at UW-Madison on the design for the map. Then three UW-Whitewater students and one recent graduate worked all summer to make it a reality.
"It was a very ambitious project, primarily because it was a professional level product and it was done on a fairly tight timeline," Compas said. "It involved lots of different web technologies on our end.
"This project gave our students an opportunity to expand their skill sets, working with a client like WEDC and professionals on a real-world project that goes well beyond their traditional classroom experiences."
Four to six students typically work each semester at Pangea, where other projects include public works mapping in Walworth County and figuring out the most efficient routes for trash trucks in Milwaukee.
Compas said Pangea's work not only helps students develop skills for their careers but also fosters economic growth.
The WEDC project, he said, is an example of the university contributing to economic development in Wisconsin.
Reed Hall, secretary and chief executive officer of the economic development organization, agreed.
"WEDC's partnership with Pangea Studios and the State Cartographer's Office and Cartography Lab allows us to tap into a talented pool of Wisconsin students and leverage state resources in an effective and affordable manner," he said. "Their specialization in developing visualization tools of qualitative economic development data helps WEDC demonstrate the impact of our investments to the public."
Isenberger said the project allowed him to learn the new computer language and acquire skills that he likely wouldn't have gained in the classroom.
"When you go for a job and look at the list of requirements, many of them have languages that we haven't learned," he said. "I'm pretty big into learning as many languages as I can, and from that perspective this project was very beneficial."


text:
European leaders are loosening the shackles on national budgets as the euro-area recession deepens and unemployment climbs, with pro-growth calls coming even from German Chancellor Angela Merkel, the leader most closely associated with austerity.
Merkel went into a European Union summit today urging a stepped-up fight against youth unemployment, now over 50 percent in Greece and Spain, and skipped the appeal to fiscal discipline that has been her standard message throughout the debt crisis.
"We will have one focus above all: the fight against youth unemployment," Merkel told reporters before the 27 national leaders gathered in Brussels. "We passed a growth pact last summer and what matters now is putting life into this growth pact. The money is there, we have to get the money to the people so young people in Europe get jobs."
The euro zone's continued economic slump has shoved aside the financial crisis as the bloc's biggest headache, leading the EU to push back deficit-reduction deadlines and making it perilous for politicians to wrap themselves in the flag of austerity.
Caretaker Italian Prime Minister Mario Monti found out that budget cutting can be a career-ender when he managed only 10 percent of the vote in an election last month. He arrived at his last EU summit calling for "margins for flexibility" on budgets. Merkel is running for a third term in September.
European leaders are cloaking the easing up on the budgetary reins in language designed to reassure investors who have driven bond yields lower since mid-2012. Balanced budgets remain the goal and large-scale spending programs or bond issues aren't on the agenda.
A milestone toward overcoming the debt crisis came yesterday, when Ireland sold 10-year bonds for the first time since its bailout in 2010. The relative calm in markets was barely disturbed by the election in Italy, which still hasn't produced a government.
With growth and jobs the dominant theme, officials in Brussels and national capitals said that an aid package for the next problem country, Cyprus, doesn't even need to be discussed at the summit. It will be dealt with tomorrow at a separate meeting of euro-area finance ministers that starts about 5 p.m.
Thousands of protesters against budget cuts and the perceived dictates of financial markets converged on the meetings, carrying banners saying "European Austerity = Misery." About 10,000 people gathered by a park close to the summit, Brussels police said.
The 17-nation currency region will follow last year's 0.6 percent contraction by shrinking 0.3 percent in 2013, the first back-to-back decline since the euro's debut in 1999, the European Commission forecasts. It sees bloc-wide unemployment at 12.2 percent in 2013, with joblessness as high as 27 percent in Greece and 26.9 percent in Spain.
Leaders will endorse the commission's plans to make "structural" assessments of national budgets, according to a draft statement, using code for granting countries such as France, Spain and Portugal extra time to bring down deficits.
"We have to restore sound and sustainable public finances, via continued differentiated fiscal consolidation and focused on structural efforts," EU President Herman Van Rompuy said at a pre-summit briefing.
In a nod to Italy, the draft statement said euro-area rules provide space for "productive public investment" by countries with deficits under the limit of 3 percent of gross domestic product. Italy was one of eight euro states to pass that test last year.
Pressure remains on France, Italy and the countries tapping emergency financial aid to make their economies more productive by reducing labor costs and deregulating professions. The commission, the Brussels-based enforcer of the budget rules, fended off attacks from southern Europe that it has been too strict and parried warnings from northern Europe that it is becoming too lax.
"The simple allegation that the commission pursues austerity inflexibly does not hold," Marco Buti and Nicolas Carnot of the commission's economics department said in a policy paper yesterday. "Nor obviously does the opposite accusation that the framework is being weakened."
German officials have backed the commission's approach, indicating that the Berlin leadership is sensitive to criticisms that budget cutting has gone too far. A "pro-growth" bias may even play to Merkel's advantage, enabling her to siphon votes away from the opposition Social Democrats -- and potentially forge a coalition with them if dictated by the election outcome in September.
Greece, Portugal and Spain were granted extra deficit- reduction time last year, with the permission of Germany and other governments. More extensions may come "in the near future," the two officials wrote. Portugal is set for another respite, the commission's president, Jose Barroso, told Expresso newspaper last week.
France is counting on estimates that it has made sufficient reductions in the "structural" deficit -- a figure that factors out the effect of the economic cycle -- to escape a European order to cut more.
"If there is too much austerity, there will be too much unemployment," French President Francois Hollande said. "Flexibility is necessary if we want to make growth the priority."
Bloomberg News


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DrugList is an Android application for scheduling drug prescriptions. The prescription names are entered into a database, along with the time they are taken. When you exit that activity with the "Save and Exit" button, the time and date for the next medication to be taken is computed, and a system alarm is set. When that alarm fires, you see a ListView with only the drugs due at that time.
V CAST Media Manager is an application to manage videos, pictures, and music on your phone and computer. It can be used to save the pictures and videos created with your phone onto your computer. It can transfer files between your computer and phone via a compatible USB cable. It can be used to create picture albums, slideshows, and video playlists. Its included editing tools can be used to touch up pictures. It can transfer songs from your computer to your phone. It can import music and playlists from other applications. It can rip and burn CDs. It can also be used with an optional online storage subscription account to upload and backup your files and download them later from the Web or a compatible phone.
Color manager is an object that can be used to parse, manipulate, and convert color values. It can parse color definitions in several formats like hexadecimal, RGB, RGBA, HSL, HSLA, and colors by name. The object can change the color individual property values such as red, green, blue, hue, saturation, light values, and alpha channel. The manipulated colors can be converted to any of the supported formats.
LignUp Multi Collector is a universal tool for managing many collections with any collectibles. It includes many functions like creating custom collections, editing categories, camera capture, password protection, PDF and HTML reporting, and data sorting. The DB manager allows easy switching between different collections. Customers can change the application style and customize the view layouts by using thumbnail, statistic, item preview, category tree, and table lists.
Bookling is a simple eBook manager designed to make reading fun. It allows you to store, manage, and read your eBook collection on a desktop computer. It features multiple views for your library, multiple bookmarks, customisable fonts and colors for your book's text, and the ability to store your book collection in your choice of directory. Its back end is cleanly separated from the front end, allowing developers to easily port it to other platforms with a native GTK+ or WPF interface.
Upmf is a source-based package manager written almost completely in Scheme. The user is able to search, build, and remove packages. Since Scheme through GUILE is very extensible, the user can customize the procedures, or even exchange them with his own, if wanted. Packages are stored in their own self-contained directories and are incorporated into the filesystem with help of GNU Stow.


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Our Views: 10 principles guide Gazette viewpoints
A decade ago, The Gazette Editorial Board unveiled 10 principles to guide our editorial views. As we discuss our opinions, we keep these standards in mind and try to be true to them.
It isn't always possible. Sometimes, one principle conflicts with another. For example, laying the groundwork for economic development might add to our tax burden, at least temporarily.
Through the years, we believed we followed our principles well. In 2012, however, we reversed course on our opposition to an expansion of gambling. That principle raised concerns that many casino jobs offer low pay and that economic benefits would not offset problems that habitual gamblers impose on families and society.
Jobs have been slow to come, however, as Rock County's economy struggles to recover. In 2012, we threw our support behind the Ho-Chunk Nation's proposed Beloit complex after speaking with state Tourism Secretary Stephanie Klett, a Beloit native. She told us how casinos near Bayfield and in Green Bay have stirred more economic development and suggested a Beloit casino might draw convention and meeting business from Madison.
After dropping one principle, we decided to explore ideas for a new one to keep the number at 10. Today, as we start another year, we're unveiling a new No. 10. While it doesn't speak to our editorial positions, it reinforces our vow to keep our editorial pages open to all viewpoints. Some readers don't understand or believe that, given our conservative leanings when we endorse candidates. We don't pretend to have all the answers. We want the community's input, and we welcome opposing views.
1. The Gazette supports economic development and policies that promote growth of small businesses and jobs. We oppose rules that unnecessarily impede business expansion.
2. The Gazette believes a strong public school system is important for attracting businesses and economic development. Good schools are vital to a good community, and quality schools require regular investments.
3. The Gazette favors protecting our environment and hunting and fishing rights. We endorse efforts to save and restore Wisconsin's waterways, forests and other natural resources so future generations can enjoy hunting, fishing and other outdoor pursuits. The state must strike a balance—protecting natural resources without placing undue burdens on businesses and industry.
4. The Gazette takes a conservative stance on taxes. We reject most new taxes as licenses to spend money. We urge government officials to instead find new, innovative ways to trim expenses and find other sources of revenue.
5. The Gazette opposes unfunded mandates as contributing to inefficient and ineffective government. Mandates imposed without proper consideration of costs in relation to benefits hamper local governments and schools in their attempts to set and meet priorities.
6. The Gazette believes in strong families and in the values that build them, such as honesty, fairness and respect for yourself and others. Parents have a duty to teach their children about ethics and integrity. Employers should do all they can to support families.
7. The Gazette generally believes in a policy of live and let live when it comes to private lives. Government shouldn't intrude on private lives when lifestyles don't affect others.
8. The Gazette believes in clean, open, principled, efficient government that benefits from cooperation and compromise between political parties.
9. The Gazette takes seriously its role as a government watchdog. Monitoring government and exposing wrongdoing are roles we've taken seriously for more than 150 years. As a locally owned company, the Gazette is beholden to no one and strives to serve our communities in a fair and noble way.
10. The Gazette believes in providing a forum for a range of opinions from across the political spectrum. Through this exchange of ideas, we hope the best ideas emerge to help lead our communities, state and nation forward.


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Caviar: A Luxurious Taste of History
Champagne. Cheese. Cake. Caviar. So many goodies start with the letter "C" – and many of them are quite luxurious foodstuffs. Caviar is one of the most luxurious of all. At the extreme, caviar has been packaged in solid gold tins and sold at secret auction to the highest bidder.
Although many of us are familiar with the signature catchphrase from Lifestyles of the Rich and Famous – "champagne wishes and caviar dreams" – I recently learned of the food's more humble origins. Originally, it was sturgeon meat itself that first became popular. The sturgeon's eggs, before they became prized, were actually fed to livestock and eaten as everyday food. Where did I glean this? I have been enjoying a group of books called "The Edible Series." Each book in the series focuses on one food product and my most recent acquisition was Caviar: A Global History by Nichola Fletcher. Caviar is something that I knew little about (other than the fact that I liked it!) before I spotted this book and so my interest was immediately piqued.
It is unclear where caviar was first made – in the sense of how it is preserved today – but early traditions existed in Russia, Iran, Egypt, China, Greece, Persia and Turkey. It wasn't until the reign of Peter the Great in Russia that caviar made its way into Western Europe. It was slow to take off but by the 18th century and the reign of Catherine the Great, caviar had become established as a luxury good.
Technically, "caviar" refers to the eggs of one of the roughly 25 species of sturgeon in existence today. Of those 25, a few are particularly well-known in the caviar world: Acipenser gueldenstaedtii, A. nudiventris, A. persicus, A. ruthenus, A. stellatus and Huso huso (aka Beluga). Probably the most famous sources of wild sturgeon caviar are Russia and Iran, both of which border the shallow, brackish Caspian Sea where the fish is found. Use of the word "caviar" for the eggs of any other type of fish than sturgeon should specify the fish variety on the label.
The sturgeon is a funny looking fish, like something out of Jules Verne's Journey to the Center of the Earth. It was no surprise for me to learn that, as a species, the sturgeon dates back to the Lower Jurassic period – roughly 200 million years ago. These fish can grow to be tremendous – in 1736, a sturgeon caught in the Volga estuary weighed over 2 tons. These days, however, due to overfishing, the fish rarely have a chance to get that large.
When I read about the life cycle of a sturgeon, I was reminded of salmon I had seen swimming upstream in Alaska. For the most part, sturgeon live in the ocean but then swim up rivers to lay their eggs. Their tails are asymmetrical when you look at them top to bottom and the longer, top-part of their tail apparently helps them battle currents. A sturgeon will make this upstream pilgrimage many times in the course of its life. And, these huge fish can live a very long time – sometimes more than 100 years.
Traditionally, caviar is harvested from wild sturgeon by hand – quickly and efficiently. After death, the fish releases an enzyme that spoils the eggs or, even worse, can make someone sick (not unheard of with black market caviar). After the eggs are removed, they are gently passed through a sieve in order to remove the membrane that encases them. Next, they are washed and salted. The quantity and type of the salt is important – as with anything cured, the salt has a profound effect on flavor. Some caviar processors use pharmaceutical grade salt while others use fleur de sel from France. Once the caviar is salted, it is generally packed in small tins, the like of which have been used since the early 20th century. As time passes, the caviar absorbs the salt and swells, rounding out and, as a result, pushing out excess air from the tin.
In addition to salt, I was interested to learn that Russian caviar has a tiny amount of the natural mineral borax (sodium tetraborate) added as well. Historically, Russians would store their caviar in barrels and bury them in the earth. The soil around the Caspian Sea is rich with borax which acted as a preservative and had a slight sweetening effect (so less salt was needed to preserve the caviar). Borax is banned in the US (and Japan) so, by comparison, caviar purchased in the States will tend to taste a tad saltier.
Overfishing, a problem for many species of fish, is an acute issue for sturgeon. In cold waters, the fish often do not reach egg-bearing age until they are 20 years old. With humans in a rush to harvest caviar as soon as possible and many fishermen flaunting preservation laws, few fish are left to actually use their eggs to repopulate the waters. In 2001, the Convention on International Trade in Endangered Species (CITES) reacted to increasing levels of poaching and black market activity by halting caviar trade by Azerbaijan, Kazakhstan, Russia and Turkmenistan. In a press release, CITES noted that "the fifth Caspian state, Iran, was not subject to the caviar ban, but, commendably, joined the regional effort." Iran has been working to create a sustainable caviar industry, building hatcheries that release 20 million+ baby sturgeon into the sea each year. However, despite these efforts and their simultaneous efforts to combat pollution, a quota agreement could not be reached in 2009 and all exports from the region were suspended. In 2010, the five Caspian countries were able to reach a quota agreement that was acceptable to CITES and exports resumed.
Looking to the future, methods are being developed to harvest sturgeon eggs without having to kill the fish. Sturgeon farms are being developed and there is increasing caviar production in other parts of the world, reducing pressure on the Caspian Sea region.
This brings us to the United States. Many folks are not aware that there are sturgeon in our own native waters and, here at the shop, we order caviar through Browne Trading Company, based in Portland, Maine. Some of their sources for caviar are sustainable aquafarms in California that raise American White sturgeon (Acipenser transmontanus), a strain of the species that is native to the Pacific. From the Mississippi and Missouri Rivers, they source wild Shovelnose Sturgeon roe and, from Florida, the Browne Trading Company sources Siberian sturgeon roe (A. baerii) harvested at the first aquafarm in the US to raise this particular strain of the fish. Outside of the US, Browne Trading Company sources sturgeon caviar from Israel (Caviar Galilee – A. gueldenstaedtii), China (Imperial Huso – Huso dauricus), Germany (A. gueldenstaedtii) and Kazakhstan (A. gueldenstaedtii).
In addition to sturgeon caviar, roe is also harvested from a variety of other fish found in American waters. These provide a more affordable but still tasty option for folks. Spoonbill or Paddlefish caviar is harvested from fish that grow to maturity in the wild, flourishing in tributaries of the Mississippi and Tennessee Rivers. Whitefish caviar, bright yellow in color, is sourced in cold lake water in the western part of the country and bright orange salmon roe comes from Alaska. To round out the geographic tour of our country, wild "Choupique" Bowfin fish in Louisiana yield small, black-brown roe that turn red when baked.
At Formaggio Kitchen Cambridge, Tripp, cheesemonger and domestic cheese buyer, is also our caviar buyer. Recently, he received three samples from Browne Trading Company in preparation for the holidays and I got to tag along for the tasting (tough, I know!). We tasted across three different strains of sturgeon, and tasted both domestic and imported:
SIBERIAN CAVIAR (USA, A. baerii): We agreed that this caviar had a slightly vegetal taste, the pearls were tender and this was the roe with the strongest aroma.
WHITE STURGEON (USA, A. transmontanus): Tripp identified an almost cheddary note to this roe and, once I tasted it, I could not have agreed more. Saltier than the Siberian, it was similarly tender texture-wise.
PRIME OSETRA CAVIAR GALILEE (Israel, A. gueldenstaedtii): This was the most briney or fish tasting of the three, with a touch of bitterness. The Osetra had the greatest length of flavor and the firmest pearls.
We had a lot of fun tasting and comparing the three caviars. Next time, I think we just need to break open a bottle of bubbly and we'll be all set!
To speak with us about placing a special order for caviar, please give us a ring at our Cambridge shop (617-354-4750) or our South End location (617-350-6996).
If you are interested in further reading, check out Ms. Fletcher's book, Caviar: A Global History, which was the source for much of the information in this post.