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Why the credit downgrades will make banks riskierJune 22, 2012: 12:27 PM ET
The ratings changes might further consolidate Wall Street's riskiest business into the hands of JPMorgan and Goldman.
Fortune -- There's plenty of irony in the Moody's downgrade of big U.S. banks. But here's the biggest one: The lower ratings, which acknowledge that banks aren't as safe as we thought they were, might actually make the banks riskier.
In one sense, the downgrades will do something that regulations have yet to accomplish. They'll limit the banks' ability to gamble their own money. The banks will have to hold more of their cash as collateral, meaning they won't be able to give as much of it to London whales. It will also make it harder for banks to use the type of short-term financing that contributed to the bankruptcies of Lehman Brothers and MF Global.
MORE: Bond downgrades could hurt Wall Street more than some think
But in an increasingly important and enormous sector of the financial markets – derivatives -- the downgrades might actually make the banking sector more dangerous.
After the downgrades, there are two camps when it comes to the U.S.'s largest banks. It's JPMorgan Chase (JPM) and Goldman Sachs (GS), which now have A ratings, on the high ground, and Morgan Stanley (MS), Bank of America (BAC) and Citigroup (C), which now have a Baa rating, that are going to be forced to pitch their tents at base camp. (Wells Fargo is also in the higher group, but they aren't big in the derivatives business.)
Ratings don't matter much in lending. Banks get most of their money to lend from deposits, which are backed mostly by the FDIC and, as a result, Uncle Sam. So the credit downgrades are unlikely to make anyone switch their money from Bank of America or Citibank to Chase.
But in the world of derivatives, ratings matter a lot. Derivatives are a huge -- by some measures as large as $600 trillion -- and potentially risky business. It's the business that led AIG to bailout. In general, derivatives are bets that banks and investors place on interest-rates, commodities and bonds. And they mostly go unfunded, meaning the bulk of the money on the line doesn't exchange hands until after the bet is closed.
MORE: Risk is back on Wall Street!
Large banks don't typically post initial collateral when they trade derivatives with hedge funds, pension funds and other buy-side firms. They do have to post follow-on collateral when those trades fall in value and when they trade with other banks, and will have to post more after the downgrades. But initial collateral for those trades comes from the buy-side firms. And when the banks go out of business, it's the hedge funds', sovereign-wealth funds' and pension funds' money that is on the hook. As a result, all things being equal, hedge funds will trade with the highest rated firm.
A person in charge of clearing trades at one of the world's largest hedge funds said the ratings changes would defiantly affect where his firm and others trade. "Buy-side firms will look at the downgrades and see Morgan Stanley sliding toward Lehman," he said. "Why would I want that risk?"
MORE: Will the Fed's Twist get banks to lend?
What's more, because firms with higher credit ratings have to post less follow-on collateral, they can also offer better derivative pricing.
That means the new ratings split is likely to further migrate this potentially risky business, to the ratings high-ground -- namely at JPMorgan and Goldman -- making the potential losses even larger and more unmanageable, without a bailout, that is.
There is one hope. As part of the Dodd-Frank rules, regulators have been pushing for the bulk of derivative trades to be run through central clearing houses. Clearing levels the playing field among firms, because everyone, including the banks, have to post the same amount of collateral no matter what their credit rating is.
Wall Street has been fighting the rules, which are mostly written and could go in place as soon as the end of the year. But now that the credit downgrades put Morgan Stanley and others at a disadvantage, those firms might get behind the effort to centrally clear derivative trading. The result could be to disperse the business among more firms, spreading the risk.
But even if the clearing crowd and regulators win this round, that won't last for long. Wall Street is sure to come up with some other over-the-counter, highly structured investment that won't fall under the current definition of a derivative. It always does. The unregulated products are always the most profitable for the banks. And whatever that is, because of the credit ratings, it will mostly be traded by JPMorgan and Goldman. And when it eventually blows up, you know who will have to pay for it: you and I.


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April 24, 2014
November 21, 2012
CHESAPEAKE, Va. — Chicken supporters in Chesapeake have won a campaign to keep hens in their backyards, at least for a year.
The Virginian-Pilot Code reports that City Council approved backyard chickens in neighborhoods on Tuesday. Up to six laying hens will be allowed.
But there's a provision to review the code change in one year to decide whether it should be permanent.
A group called 4 Chesapeake Hens began lobbying the council and the Planning Commission in the summer to allow residents to keep hens in their backyards. Mary Lou Burke says the group will continue its public education efforts regarding chickens and organic gardens.
Chickens already are allowed in residential estate and agricultural districts.
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Why is it that as holidays approach, one feels the responsibility to tell others about ways to cut calories?
Fitness magazine has done so in its December issue, and the 10 tips it passes along are worth reading, maybe even following during the next couple of months when festive food will be a constant focus.
Perfect your jump shot. Toss your children's leftover food in the trash. Read More →


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Army ROTC
Longwood University Army Reserve Officers' Training Corps (ROTC) is a partnership program with the University of Richmond ROTC Spider Battalion.
Our ROTC program is dedicated to commissioning high caliber and diverse future officer leadership for the U.S. Army from the following colleges and universities: Richmond, Virginia Commonwealth, Randolph Macon, Longwood, Hampden-Sydney, and Virginia Union.
Students are able to take all Military Science and Leadership courses, compete for scholarships, and take part in all ROTC activities.
Office & Hours
The Longwood ROTC office is located in Iler Hall, Room 102, and is open on Monday, Tuesday, Thursday and Friday from 9:00 a.m. - 5:00 p.m. to assist and answer inquiries about the ROTC program. During the summer, office hours will be limited due to attendance at one of our many summer training courses.
Join the U.S. Army ROTC Spider BN Facebook group
Follow the U.S. Army ROTC Spider BN on Twitter
Our Mission
To mentor, teach and develop the future officer leadership of the U.S. Army and to motivate young people to become better citizens.
Your FutureBy the time of graduation, each cadet is commissioned a second lieutenant and can serve in the active Army, Army Reserve, or National Guard in one of 17 career fields, or branches:
- Adjutant General
- Air Defense Artillery
- Armor
- Aviation
- Chemical
- Engineer Corps
- Field Artillery
- Finance
- Infantry
- Medical Services
- Military Intelligence
- Military Police
- Nursing
- Ordnance
- Quartermaster
- Transportation
- Signal


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|Institution Type:
|Campus Setting:
|Mid East Town, distant from an urban area
|Highest Degree Offered:
|Master's degree
|Level of Institution:
|Four or more years
|School Mascot:
|School Colors:
|Hunter green and golden yellow
SUNY Oswego is extremely far away from home, but I know that I definitely made the right choice. People here are extremely friendly, you just have to get to know…
SUNY Oswego is a beautiful, diverse and quality college. You can expect a difficult time but you'll learn more than you thought you would.…
Oswego State has an awesome view of the lake. The professors are very knowledgeable. If you want to make friends here and be successful, then you will be.…
it is a great college to attend because it has so many options for academics and also club activities. the professors really care about what is going on in…
I have had a great experience so far. The professors for the most part are helpful and flexible. The work is difficult but being committed to success plays a big…
Our mission is to contribute to the common good by lighting the path to wisdom and empowering women and men to pursue meaningful lives as productive, responsible citizens.
The school is great and there are plenty of opportunities to make new friends.Read More
There's never a dull moment when living on campus. With so many people around and so much to do, it is easy to keep yourself entertained. At the same time it's also easy to have time to yourself in dorm rooms or in the library.Read More
I absolutely love it here at Oz. The students are friendly, the faculty members are very committed to giving you their best, and the campus is just beautiful. Watching the sun set over the lake is a useful stress reliever. It's the best view at any New York college, I can guarantee that.Read More
I love it at Oswego, granted it receives a lot of snow and there is usually a constant breeze. One major benefit is that it is right on the shores of Lake Ontario and has amazingly beautiful sunsets! There are also plenty of amazing family-run restaurants near campus, that are delicious!Read More
NO. The college has been going down hill for years. The school has been relaxing it requirement to get in, making more money from students. As a result I saw an increase in people failing out, drinking more and violence. Yes Oswego is getting more violent. The school has been trying to kick out the frats for years. As a result more things have gone underground. Harder drugs, more drinking and more fighting.Read More


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Jay & Silent Bob in Too Fat To Fly
By Ice Cap Games, Inc.
Open iTunes to buy and download apps.
Listen up, snooches! Jay here. Silent Bob's a mechanical genius and built the greatest human catapult the world has ever seen. So, naturally, we're going to use it to launch this tubby son of a gun into the stratosphere!
If propelling this "tubs-o-fun" through the clouds isn't enough for you, use your coins to buy gliders, magnets, and fireworks. Use those fireworks to prolong Silent Bob's trip to heavens, or blast the bejewels out of the street below. Blowing that mess up can unlock coins and Easter eggs and awesome loot.
Don't just stand there! Download this crazy app thing and see how far you can blast mother-lovin' Silent Bob through the streets of Jersey or our favorite shopping mall!
Too Fat To Fly is a challenge-based physics game, where players assist Jay in order to launch Silent Bob through various environments such as a shopping mall or the streets of Jersey. Through the completion of challenges, players have the opportunity to unlock special features and upgrades, including new costumes for Jay and Silent Bob.
•Blast Silent Bob through Jersey street and mall levels
•Unlock coins and Easter Eggs with the destructive power of fireworks
•Earn bonus coins by completing unique Level Challenges
•Use coins to upgrade your catapult and firepower, or unlock character skins
•Game Center leaderboards and achievements
What's New in Version 1.2
- new consumable boosters
- zombie Jay and Silent Bob costumes!
- mega engine optimization for faster performance!
- bug fixes
iPad Screenshots
Customer Reviews
Is the game too difficult?
I've been playing this game for a couple weeks now and I think it's either too difficult or it's flaws make it difficult. For one, why does Kevin lose momentum when he's not touching anything? After I use the jet pack, Kevin should have plenty of momentum but he stops in his tracks, so I use the bat wings to keep him going which just throws him up out of the screen and he glides backwards while out of view. Sometimes when I'm trying to pop a kiosk or old person it takes my fireworks but doesn't pop the object and then stops Kevin in his tracks. Sometimes I'll land right on top of a fountain or other blue object meant to shoot Kevin forward in the air but frequently he lands on top of it and the game stops, or it won't give him forward momentum. Parts of the game I've mentioned make it a difficult and frustrating game to play, but overall I like the game. I won't play Angry Birds but I love makin Fat Man fly!
Can't believe how good this is
We have all seen this game before but the skin over this game ala clerks. The animation is great and theres no real "pay to win" like most games. You can play the game good without much effort in unlocking certain things. Other stuff you might need to drop some cash or play the game for HOURS on end. Overall great game to play when bored.
Great game!
This was a great way to spend a few evenings. I've been a Clerks fan from the beginning, and a FREE (and fun) game featuring Jay and Silent Bob was a nice surprise! SPOILER ALERT If you want to "level up" fast, buy the coin magnet and max out its upgrade capacity. Use it every game, and you'll get money faster than a flying hockey puck.
- Free
- Category: Games
- Updated: Nov 27, 2012
- Version: 1.2
- Size: 24.2 MB
- Language: English
- Seller: Ice Cap Games, Inc.
- ©2012 Ice Cap Games, Inc.
Compatibility: Requires iOS 4.3 or later. Compatible with iPad.
Top In-App Purchases
- Large Coin Bag$4.99
- Mega Coin Bag$9.99
- Small Coin Bag $0.99
- Medium Coin Bag$2.99


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Groovy Stuff® crafted this piece in their gorgeous reclaimed teakwood... the rich colors and tight grains combine to form the unique character and patina. Suited for both indoor and outdoor use, teak wood offers an earthy look that matures into silver gray coloring if left outside. Plus, you can easily re-nourish the wood with a fresh coat of Briwax once a season to keep original coloring! Measures 24 x 24 x 24".
Order yours ONLINE today!
Please Note: This is a Heavy / Bulky item. $20.00 for heavy / bulky shipping and handling will be charged in addition to regular shipping and handling. This item is shipped directly from the factory. To see the expected shipping date, please add it to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
Groovy Stuff® Rio Rancho End Table
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'Blue Monday' falls flat among San Antonians
Third Monday in January dubbed 'most depressing day of the year'
If you found yourself feeling a bit down on Monday, it might have been due to so-called "Blue Monday." Or not.
Blue Monday was created as part of a marketing tool for a travel company using what some critics call pseudo-science to determine the most depressing day of the year.
Things like post-holiday withdrawal, debt and dreary winter weather were among the things factored in.
"The bills from December and the letdown from Christmas are coming in now," said Psychiatrist Dr. Harry Croft. "You've already made all those resolutions, some of which you've found difficult to keep."
Those things might get you down, said Croft, but calling this Blue Monday can often become a self-fulfilling prophecy.
"And guess what? It becomes a bad day," he said. "And what happens next year? You remember what happened this year."
Some folks around San Antonio couldn't find too many reasons to feel blue on Blue Monday.
"Somebody screwed up this year!" said one Alamo visitor. "I'm not blue at all because I've got my grandbabies with me."
"I've never even heard of Blue Monday, for one," Jaime Hernandez said.
Depressing winter weather is not something San Antonio sees a lot of, so try planning something you can look forward to if you're feeling down and dull after the holidays.
"I've got my kids with me, nieces and nephews. We came downtown, went to the Alamo, got some ice cream. It's hardly blue," said Hernandez.
And if you are dealing with post-holiday financial troubles or failed resolutions, make a solid plan to get back on track, said Croft.
"It is not written in stone that this has to be a bad, blue day," said Croft.
For a list of recent stories by Myra Arthur, please click here.
Copyright 2013 by KSAT.com All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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The school is very diverse in ways were they have brought many different types of people to the campus. We have people from Bahrain, Spain, Alaska, New jersey, and basically the entire USA. We have challenges because some of the teachers speak a different language and it is hard to understand them sometimes.
The wireless connection is very bad but that's because the school is not used to this many people on campus at one time. The printing on campus is reasonable they give us so many pages that we can print before it costs money The need for a personal computer and printer is up to you. I think it is convenient to have your own computer just in case you need it for a class. We have multiple computer labs spread out throughout the campus.
Campus Housing:
The dorms I live it are like perfect distance away from everything. It does not take that long to get to any of the buildings. The people in the dorms are really nice and I have made some really close friends in my dorm. The cost was very convenient and affordable. The RAs helped make the transition easier and they are very helpful when any of us need help.
Local Atmosphere:
Small town living; safe but not a lot of exciting things to do. Friendly people who take pride in the university. Beautiful parks nearby. Traveling about 30 min will bring you to movie theaters, shopping and more assortment of restaurants.{
Campus Strictness:
I have not had any problems with the rules on campus. Clearly stated when you enter as a student. But all policies are consistent.
Typical mountainous weather in WV. Cold winters with snow, nice weather in the other seasons.
Campus Housing:
Small dorm rooms mostly; suite living is most common with up to 8 per suite. Several new dorms this year but still have 3 older dorms with a lot of needed maintenance. All dorms do have new furnishings however.
Off-Campus Dining:
Only a few restaurants locally but food is good in the local pubs, restaurants. Few fast food restaurants in the small town. Traveling about 30 minutes brings you to many other offerings however.
Scholarships offered through the school based on merit. Also possible athletic scholarships. Work study is a plus as well. Nearly all students receive some type of financial aid.
Greek Life:
Only a few greek clubs on the campus. No Greek housing only offered to my knowledge.
Like the Criminal Justice classes thus far and the professors. Solid curriculum and low ratio of students to professors makes it easier to get help when needed.
Diverse majors offered and adequate study areas throughout the campus. Also the ACES programs is available if you find yourself having problems in a particular class. Very good health science and music classes. Liberal arts school so you have the opportunity to have a well rounded education
Many students have their own cars so parking does fill up quickly near the dorms but there is always a place to park. More difficulty on evenings with sporting events or weekends with the football games.
Drug Safety:
Not a lot of peer pressure for drinking or drugs. Many students travel home on weekends. No alcohol allowed in the dorms or on the campus. Safety is very good at this university.
Overall Experience:
Like the smaller size of the campus and class size is small. Enjoy meeting students from many other states and countries. A lot of opportunities for athletes to continue to play sports. More updates coming to the campus and they are expanding their curriculum and majors along with graduate studies.
Love the small campus and the grounds are very nice. Easy to walk to and from class in short amount of time. Beautiful new football/multisports complex and plans for baseball field improvements. Some of the classrooms need updating. Not a lot to do beyond classes and sports.
Campus Dining:
Several options including cafeteria with salad bar and also sandwich/coffee shop but the hours are not always adequate for my schedule. Not a lot of variety in the cafeteria food.
The financial aid process is long but the FAO was wonderful in helping students and parents.
It's on a mountain in rural West Virginia the weather is always what is expected for the season currently taking place. Less things happen in the winter, but not much can be done outside in the winter and a lot of the campus loves to be outdoors.
Overall Experience:
This school is a wonderful place to begin the future!!
Local Atmosphere:
It's located in a small town with not much to do off campus. The campus activities board and the intermural board always make sure the students have something to do. The closest place to go shopping, or a somewhere with a variety of food is a half hour away.
Campus Dining:
There is only one main dining hall with limited hours. The diner on campus is where most students congregate as well as the coffee shop. The food is average and there isn't much of a variety. The hours on the weekends are also a problem.
With such a small campus, in a rural part of the state there is not much diversity. The students that are not of the same background as the majority are mostly accepted.
There are hardly any places to go off campus for night life. The places that are off campus do not let underage students in without appropriate I.D and card at the bar so even if underage students are there they cannot drink.
Off-Campus Housing:
With a small town, the off- campus housing is not something most students choose to do. The University built four new resident halls that more students are moving into. The proximity to the campus from off-campus housing is close, as well as everything in town.
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Travel >Residence Inn Nashville
2300 Elm Hill Pike, Nashville, TN | Directions 3721436.154092 -86.687454
Daily 24 Hours
Neighborhoods: Merry Oaks
Free hot breakfasts and comforts of home entice travelers in need of long-term lodging. – In Short
Established for travelers staying for more than a few days, this all-suite hotel offers home-like amenities. Generously sized studios and one- and two-bedroom suites have fully equipped kitchens with full-size appliances, separate voice and data telephone lines, irons and coffee makers. Laundry and workout facilities, a social room and an outdoor patio are also available for guest use. Additional free perks include a hot breakfast buffet, grocery-shopping service and weekday evening social hour.
Nice place – Another extended-stay hotel with lots of amenities in the room - fridge and microwave and hi-speed internet. The breakfast is in the lobby and all the suites are accessed from outside, so it is kinda far. Easy access to Briley Parkway and 40 and near airport, downtown is about a five minute drive. You have to sign a waiver when you check in that there won't be more than a certain amount of people in one room and they have a noise rule (probably because of the thin walls).
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According to the New York Post, the officer, a member of the Emergency Services Unit, was shot and killed near the parkway and Jamaica Avenue in the vicinity of the Belmont Racetrack.
"One suspect was believed to be shot by police and the other was still on the run."
A law enforcement official told the Wall Street Journal that "the officer had pulled a car over at about 11:10 a.m. at the entrance ramp to the parkway at 241st Street and Jamaica Avenue."
Multiple reports have stated that the wounded cop was airlifted to North Shore Long Island Jewish Hospital, where he was pronounced dead.
The shooting comes less than one week after Nassau County Highway Patrol officer Joseph P. Olivieri was struck and killed while investigating a motor vehicle accident on the Long Island Expressway. He was laid to rest Monday.
The officer's name has not yet been released, pending family notification.
According to the New York State Department of Transportation, the shooting closed the Cross Island Parkway both north and southbound near Jamaica Avenue. RELATED:
- Highway Officer from Wantagh Killed on LIE
- BSO Officer Killed by Friendly Fire in Massapequa
- 1st Precinct Officer Shot in East Meadow
- UPDATE: Two Dead After Attempted Robbery at Seaford Pharmacy [VIDEO]


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2006 Toyota Highlander Trims
|Reviews (1)
|Pictures (9)
The Highlander is unchanged for the 2006 model year. Buyers may pick from eight different Highlander variations, thanks to a series of engine, drive train and trim combinations.
The Highlander's base engine is a 2.4 liter DOHC four cylinder engine, generating 155 horsepower and provides 162 pound-feet of torque. It is mated to a four speed electronically controlled automatic transmission, which sends power to the front wheels on all 4x2 models. Maximum towing capacity for this model is just 3000 pounds, but the EPA estimate of 22/28 mpg is the best of any non-hybrid Highlander.
Although this is the lowest priced Highlander in the lineup, Toyota is quite generous with features. Standard equipment on this model includes power windows and locks, air conditioning, a six speaker CD sound system, and keyless entry. The options list is considerable for a base model. Leather seats, rear seat DVD entertainment system, and an in-dash CD changer are all available add-ons.
The Highlander's car-based qualities continue to make this crossover SUV very desirable. Owners have frequently praised Highlander for its quiet ride, nimble handling, and strong fuel economy.
Base AWD
|Pictures (7)
There are no significant changes to the Highlander for 2006. The Camry-based crossover SUV was introduced for the 2001 model year, and despite some styling and mechanical changes along the way, the vehicle is still in its first generation. The Highlander is Toyota's best-selling SUV.
The Highlander base models come standard with air conditioning, keyless entry, a six speaker CD sound system, and full power accessories. Options include a tow package, JBL audio upgrade, rear seat DVD entertainment, and leather seats. All Highlanders can also be fitted with a third row of seats.
Highlander's standard power plant is a 2.4 liter four cylinder DOHC engine, paired with a four speed electronically controlled automatic transmission. The VVT-i engine provides 155 horsepower and 162 pound-feet of torque, with power sent to all four wheels. Drivers who need to tow should opt for the V-6: this model can only haul 3000 pounds. The EPA estimate for this model is 20/25 mpg.
The base trim AWD models use a limited slip differential, while the Sport and Limited AWDs receive Toyota's Vehicle Stability Control system as standard equipment.
Base V6
|Reviews (2)
|Pictures (28)
The Highlander is carried over from the 2005 model year. This specific model is one of four base trim variations, combining a more potent engine with the front wheel drive 4x2 drive train.
Standard features on this model include full power accessories, keyless entry, 16-inch wheels, a six speaker CD audio system, and air conditioning. Regardless of the trim level, the Highlander may also be equipped with options like an in-dash CD changer, rear seat DVD entertainment system, leather seating, third row seats, and a tow package.
Built from the Camry platform, the Highlander includes a sedan-like suspension system which is focused on ride smoothness. However, many drivers have been impressed with how nimble the Highlander is for an SUV.
This model is powered by a 3.3 liter DOHC V-6, teamed with a four-speed automatic transmission. Toyota's VVT-i system is employed to boost power, while lowing emissions and improving fuel economy. The V-6 delivers 215 horsepower and 222 pound-feet of torque, while maintaining a fairly efficient 19/25 mpg fuel economy estimate.
Base V6 AWD
|Reviews (2)
|Pictures (9)
The Toyota Highlander returns without change for 2006. The Camry-based crossover SUV is Toyota's top-selling sport utility, combining the handling and fuel efficiency of a car with the convenience of an SUV. The Highlander has changed little since its 2000 introduction, but a new larger model will arrive in 2008.
This Highlander is the most well-equipped of the four base trim variations, adding a 4x4 drive train and a more powerful engine. A 3.3 liter DOHC V-6 generates 215 horsepower and 222 pound feet of torque, and is teamed with an electronically controlled five speed automatic transmission. This model earns an EPA rating of 18/24 mpg, and the addition of the V-6 has bumped towing capacity from 3000 to 3500 pounds.
The base Highlanders are equipped with standard features like power windows and door locks, air conditioning, keyless entry, a six speaker CD audio system, and 16 inch steel wheels. The third row of seating is optional on this trim, as is an in-dash CD changer, leather trim, and a JBL audio upgrade. The base model is not eligible to receive the navigation system.
Limited V6
|Reviews (1)
|Pictures (42)
There are eight variations of Toyota's mid-size crossover SUV, each created through a unique combination of trims, engines, and drive trains. The Sport and Limited trims are only offered with a V-6 engine.
The two Limited models are both powered 3.3 liter V-6, paired a five speed automatic transmission. The V-6 delivers 215 horsepower 222 pound-feet of torque, enabling the towing of 3500 pounds. The 4x2 model has an EPA estimate of 19/25 mpg.
The Limited trimmed Highlanders are the most luxurious in the lineup. The Limited is differentiated by the addition of heated mirrors, a wiper de-icer, automatic climate control, an eight speaker JBL sound system with an in-dash CD changer, wood trim, and a third row of seating. All models come standard with full power accessories and keyless entry. An optional navigation system is exclusively available on this trim.
Limited V6 AWD
|Reviews (2)
|Pictures (33)
The Toyota Highlander is unchanged for this year. The mid-size crossover SUV shares a platform with the popular Camry sedan, and currently it is Toyota's best-selling SUV. There are now eight Highlander models available for 2006, with this model positioned at the top.
The Limited trim is set apart by a premium eight speaker JBL audio system, wood trim, third row seating, heated mirrors and automatic climate control. All trims include power accessories, keyless entry, air conditioning, and cruise control. A DVD-based navigation system and a rear seat DVD entertainment system are available options on the Limited.
The Limited is only available with the 3.3 liter V-6 engine, paired with a five speed automatic transmission. This VVT-i power plant provides 215 horsepower and 222 pound-feet of torque. The torque is too low for any serious load hauling: maximum towing capacity is just 3500 pounds when a special towing kit is added. The inclusion of AWD will lower fuel efficiency to 18/24 mpg.
Sport V6
|Pictures (9)
The 2006 Toyota Highlander is unchanged with respect to styling and mechanics, but the crossover SUV is now available in eight variations. The Sport trim is new for 2006. This mid-level trim package finishes the Highlander with a slightly more aggressive appearance.
The Sport trim adds fog lamps, a special grille, chrome exterior trim, leather-wrapped steering wheel with audio controls, a power driver's seat, and 17 inch alloy wheels. All of the base trim's standard features are also here, including the six speaker CD audio system, full power accessories, keyless entry, air conditioning, and cruise control.
Highlander's Sport and Limited trims are only available with the V-6. This 3.3 liter DOHC engine generates 215 horsepower and 222 pound-feet of torque. The 2WD version will offer a slightly better fuel economy of 19/25 mpg. The Highlander is built upon the Toyota Camry platform, and suspension is geared more towards ride quality than handling. A sport-tuned suspension has been included on the Sport, and this Highlander handles with a bit more agility than the others.
Sport V6 AWD
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The Highlander Sport is a new trim level for 2006, available as either a 4x2 or a 4x4. The Sport finish gives the popular crossover SUV a more athletic look, and a re-tuned suspension offers more handling agility.
Both Sport models are powered by the 3.3 liter DOHC V-6, which generates 215 horsepower and 222 pound-feet of torque. A five-speed automatic is the only transmission option for the V-6. The V-6 and 4x4 drive train combination offers 18/24 mpg fuel economy, which is the lowest of any Highlander.
The Highlander Sport is differentiated by 17 inch alloy wheels, fog lamps, a color-keyed grille, chrome exterior trim, and a special sport-tuned suspension. Standard features include a power driver's seat, a leather-wrapped steering wheel, air conditioning, cruise control, power accessories, and keyless entry. A JBL sound system with eight speakers and an in-dash CD changer is an available upgrade, as is a third row of seating.


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It is rumored that Ferrari Enzo's successor, codename F70, will have a 7.3-liter V-12, which will produce 800 hp according to Automobile. We hope that Ferrari sticks with this plan and doesn't decide to downgrade to a turbocharged V-8 or something equivalent. We may even get to see this new beauty this upcoming fall.
There is an optional KERS package, which throws a 120-hp electric motor in the mix, resulting in a combined total of 920 hp. The best part of these rumors is that it is said that the F70's weight will be close to the track-only FXX car, which weighs in at 2,546 pounds. This means that the next Ferrari supercar has the potential to be faster off the line than a Bugatti Veyron if these rumors are true, and we hope they are!
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Pick up the updated Fantasy Baseball Guide here. And don't forget that DobberBaseball has content flowing daily. Let them know what you think of the new team of writers over there - leave a comment!
Some injury notes, via James Mirtle and Bob McKenzie - Matt Frattin figures he is about a week away... Rene Bourque has a concussion and is out indefinitely... Andy McDonald limped out of practice today... James Wisniewski has a broken foot, solidifying his status as a future Band-Aid Boy Hall- of -Famer. Naturally I get that news an hour after the deadline in which I drop Nikita Nikitin - who will probably see a sudden uptick in production now.
It's back woes that are keeping Martin Brodeur sidelined. Apparently not serious, thus the 'day-to-day' status. So for this week it looks like Hedberg will be the guy. Hedberg has lost the last two games, giving up nine goals. In fact, his start two weeks ago was a loss and five goals allowed. So he's on a tough run.
Red Wings' Damien Brunner flourishing in NHL due to his maturity, Swiss experience and skill level - is the headline I just read. They could extend that headline by adding "and also a coach who will give a first-year player 20 minutes of ice time in a game after he produces no points in two games in which he saw 18 minutes each." But I guess that headline would be too long.
Not one other coach in the league would do that. None. And they should - because look at the dividends. Look at, for example, Cory Conacher. He saw 13:50 in his first game and 16:03 in his second game. If he had zero points in those games, he'd probably be looking at 12 minutes in Game 3. And then it would continue to drop until he was in the press box by Game 6. And TB would have missed out, just because he didn't produce in those two games. Because Conacher got seven points in his first four games, he earned himself a long leash. There are 29 other coaches who wouldn't even give Brunner 18 minutes in those first games, let alone continue to do so after two games of zero points. It's called having faith in the talent that you see. And if all coaches did that, then it would make picking prospects an easy task in fantasy hockey.
The Hockey Writers takes a look at Minnesota youngsters Jason Zucker and Charlie Coyle in this piece.
It's looking like Mike Green will be ready to play against the Hurricanes. However, Nicklas Backstrom is 'sick' and Marcus Johansson is still not ready to return. The team is contemplating calling up Casey Wellman, who is another one of those AHLers who deserves a longer look than he's gotten to date.
Speculation is that Rick Nash actually has a concussion, as once again he was nowhere to be seen in practice. Dan Girardi (bruised foot) was in practice and Michael Del Zotto (LBI) was also back.
Braden Holtby's contract extension will give him $1.7 million for next year and $2.0 the following year. Not enough for us to say "Wow - he's definitely going to be the starter!", the way we did for Devan Dubnyk.
On a non-fantasy note, the Caps also signed John Erskine - for more money than Holtby! Has George McPhee lost it? Erskine was a healthy scratch to start the year! You can go outside right now and find a John Erskine growing from your tree out front - because that's how common John Erskines are. They grow on trees.
Ryane Clowe has been suspended for two games for his illegal line change/leave the bench thing. Actually, the NHL says his line change was legal…so he was suspended for, I don't know, having an 'e' at the end of Ryan, maybe.
Clowe has been horrible this season. He and Marty Havlat. And I was the proud owner of both until I traded Havlat and a pick upgrade to someone for Brassard on the weekend in my keeper league. Done. Done with both those guys.
By many accounts, such as this one, Bobby Sanguinetti has finally adapted to the NHL - his game has steadily improved and he has been a plus player in each of his last three games (to go with two points). That article also said that Jiri Tlusty has been moved off the top line, which is a big uh oh for his owners.
I remember two games into the season when a Buffalo fan was busting my balls about my picking them to miss the playoffs. Thomas Vanek was leading the league in scoring and the Sabres were 2-0-0. He was relentless to the point where I had to block him - and after four years I've only blocked three people on Twitter. Anyway, now I kind of wish I didn't. I mean - the Sabres are 4-12-1 since then. The trash talk I would come back with at this point... I am a petty, petty man.
The Penguins have signed former Penguin Mark Eaton to a one-year deal. The contract likely means that Robert Bortuzzo could be sent down. He is seeing nine minutes of ice time lately, or getting scratched altogether. Simon Despres is also getting scratched at times. Despres is pointless in five games with two healthy scratches thrown in as well.
Teemu Hartikainen has been placed on IR with a suspected shoulder injury. The Oil stuck Lennart Petrell back in the lineup and he immediately picked up an assist last night. No, not worth grabbing. At all.
Here's another weird signing. The Coyotes sign David Schlemko. He must have really impressed him with is tremendous, uh, press box abilities. Schlemko makes Rick DiPietro seem like an iron man. And the Coyotes have about 50 blue-chip defensemen on the way up. But they felt the need to sign a Band-Aid Boy immediately?
And now for a good signing - the Red Wings give Brian Lashoff a three-year extension.
Those of you wondering where Roman Josi has been - there he is! Four-point night, including the overtime winner. Again, the Predators prove they can score, teasing us poolies as they go back into their defensive shell.
The Craig Smith goal gives him three points in five games. Not great, but better than the one point in 15 games that he had before that.
Sergei Kostitsyn has six points in six games.
Dallas goalie Cristopher Nilstorp has given up four or more goals in two of his last three starts. He still has just the one win. Richard Bachman hasn't been any better - and Kari Lehtonen is still questionable for next game.
The Blackhawks - now it's just getting funny. They can be down 5-3 in entering the third and I still assume they'll win. The goalies are looking like demi-gods, when in fact they are average netminders behind the best team.
Michal Rozsival has seven points in nine games this season for Chicago and is plus-9. Just four shots on goal for the season, but he makes an interesting depth option.
Francois Beauchemin's career high is 34 points. He's now on pace to beat that in a shortened season.
Ben Bishop, who was one of the NHL's stars for last week, stopped 44 of 45. Take away his brutal first start on January 25 and he has yet to give up more than two goals (four starts and a relief appearance).
Tye McGinn vs. Mike Brown:
Captain Krunch said:
Ross The Boss Palmer said:
Reddawg said:
mounD said:
The Eaton move is honestly a bit confusing in this regard, but any added depth on the back end with legit NHL experience is never a bad thing, right?
Carcillo said:
The Penguins have signed former Penguin Mark Eaton to a one-year deal. The contract likely means that Robert Bortuzzo could be sent down. He is seeing nine minutes of ice time lately, or getting scratched altogether. Simon Despres is also getting scratched at times. Despres is pointless in five games with two healthy scratches thrown in as well.
There's no way Bortuzzo gets sent down. He's waiver eligible and has been great this year. Eaton won't leap ahead of him in the depth charts. He's just signed for some depth with NHL experience.
If someone gets sent down, it's Despres as he doesn't need to go through waivers. I sure hope that doesn't happen because of Eaton. If it happens, it needs to happen because they want to give regular minutes to Bortuzzo.


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High Life
Art Print | by David Darcy | #295981
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Sally Bott has been appointed group human resources director and member of the group executive committee at Barclays, the London-based bank announced today.
Last week, UBS announced that Bott, a member of the board of directors who chaired the human resources and compensation committee, would not stand for re-election.
Bott will start her role in April and replace Cathy Turner. She will be based in London.
Prior to joining Barclays, Bott was global human resources director at BP, the global oil and gas company, and a member of its executive committee. The appointment is a homecoming for Bott, who worked in HR at Barclays between 1997 and 2000. She was head of global human resources at Marsh & McLennan Companies, the risk and strategy advisory, and also worked at Citibank for 23 years in finance and HR positions.
She graduated from Manhattanville College in Purchase, N.Y., with a degree in economics.
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04.25.14 Shabbat Evening (late) Service / Yom HaShoah We welcome Halina Wachtel, who survived the Holocaust disguised as a Christian Polish girl in a forced labor camp. Come hear her remarkable story as we observe Yom HaShoah as a community.
04.26.14 Saturday Morning Tot Shabbat
04.26.14 Shabbat Morning Minyan
04.27.14 Adult Torah Study
04.29.14 Film & Dinner Series with Avram Mandell
Go to this link to see the flyer and complete schedule.


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High Quality Construction. Constructed from mandrel bent stainless steel tubing to improve exhaust flow the Borla axle-back exhaust system features two turbo style mufflers with 4 inch polished stainless steel slant tips for impressive looks and great sound.
Application. This Borla axle-back exhaust system is specifically designed to be a direct bolt on upgrade for the 2010 Shelby GT500 Mustang equipped with the Supercharged 5.4L engine.
Mustang Fitment: 2010 Details >>


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About Fitzwilly
"Because we can. You wanna make sumthin of it?"
Because it`s a written and actually existing law? Stop making up bullshit just to support Snowden.
The connection is only in YOUR mind, and nobody else`s that can think clearly.
There`s something called going to the U.S. embassy and turning oneself in, I guess? He could try that.
U.S. law pretty much spells it out, I`d think. And unlike you, at least I do think.
Those had NOTHING to do with this incident, other than emoprogs trying to play `connect the dots`and failing.
Well, at the most, all he deserves is 50 years in jail, not a hanging-that, I`ll be glad to see happen to him. And I hope that Greenbum goes with him.
I guess that the people who did accept the consequences and did go to jail in the past for what they believed (Nelson Mandela, MLK, etc.)are `fools` by your reckoning, then.
BTW, asswipe, they`re not `my` precious spy agencies, but thanks for being a libertarian emoprog fool and idiot with no sense of history other than what happened to them yesterday all of the same.
You need to read Saul Alinsky first before you do.
The "issues" need tissues because they are full of shit like the people that bring them up. There`s more important things to be concerned with than who`s looking at somebody`s mail, and instead of addressing them, the left is self-ratfucking itself into oblivion at warp speed, and taking other good progressive movements and people with it. Snowden just did this because he was a libertarian asswipe who got disillusioned and suddenly hated Obama (or maybe his underwear got too tight, I don`t know.) Either way, he`s full of it, and this bullshit he spawned is dragging the left and progressive politics down with it.
Empty to YOU, not to ME. Did you at least click on the links and read the articles?
There is no government of which you speak; it feels like the Obama Derangement Syndrome that's been gripping the left since since the late 2000's has done some nasty work on people's minds.
Why do you believe this nonsense? Are you aware that this makes the left no better than the right?
Want the evidence? Here are the articles that present it:
There's already an app like this available on-line for most phones. In fact, most phones are like this already.
And emoprogs like you are like the tinfoil hat brigade seen in every city at most homeless shelters-crazy as ever.
Maybe Snowden needs to man up, come back to the USA, and accept the consequences like the adult that he claims he is. But the problem is, he's a whiny man-child who thinks that he's just like MLK (at least MLK and others like him went to jail for what they believed in, unlike this bozo.) Please get wise and stop believing in bullshit.
Nobody's got their hand up Obama's ass; you and the other emoprogs, on the other hand, have sticks up all of yours. Any chance that the paranoid tinfoil hat bullshit can be nipped in the bud, or at least maybe medicated away? The Obama Derangement Syndrome being exhibited here is annoying.
...It will go badly for us all come mid-term election time, and with the Demms losing a a result of all this bullshit wanking over who wants to look at our emails or porn stashes (hint; nobody in th NSA wants to.) Leave the paranoia bullshit in the Phantom Zone where it belongs, along with the two idiots who are hell bent of profiting from it.
Education is highly stressed in police recruitment and promotion. Entrance to the force is determined by examinations administered by each prefecture. Examinees are divided into two groups: upper-secondary-school graduates and university graduates. Recruits underwent rigorous training�one year for upper-secondary school graduates and six months for university graduates�at the residential police academy attached to the prefectural headquarters. On completion of basic training, most police officers are assigned to local police boxes called Kobans. Promotion is achieved by examination and requires further course work. In-service training provides mandatory continuing education in more than 100 fields. Police officers with upper-secondary school diplomas are eligible to take the examination for sergeant after three years of on-the-job experience. University graduates can take the examination after only one year. University graduates are also eligible to take the examination for assistant police inspector, police inspector, and superintendent after shorter periods than upper-secondary school graduates. There are usually five to fifteen examinees for each opening.
About fifteen officers per year pass advanced civil service examinations and are admitted as senior officers. Officers are groomed for administrative positions, and, although some rise through the ranks to become senior administrators, most such positions are held by specially recruited senior executives.
The police forces are subject to external oversight. Although officials of the National Public Safety Commission generally defer to police decisions and rarely exercise their powers to check police actions or operations, police are liable for civil and criminal prosecution, and the media actively publicizes police misdeeds. The Human Rights Bureau of the Ministry of Justice solicits and investigates complaints against public officials, including police, and prefectural legislatures could summon police chiefs for questioning. Social sanctions and peer pressure also constrain police behavior. As in other occupational groups in Japan, police officers develop an allegiance to their own group and a reluctance to offend its principles.
There's nothing wrong with the NSA; it was doing its job as a spy agency. Snowjob didn't like it, got pissy, and then decided to bail, taking sensitive documents that he was going to use to reveal the NSA's so-called 'crimes' against the American people (why couldn't he do this during the Bush administration? I'm guessing Obama Derangement Syndrome is one of the causes and reasons.)
Removal from office for politicians for not going on the word of a whiny crybaby's so-called 'revelations?' Good luck with that.
The emotarian left is barking up the wrong tree on this, and taking good people with them to the gutter.
Snowjob doesn't deserve anything but a very long jail sentence, for reasons I've already posted (but am willing to post again so that people can get the point):
President Obama Slays Edward Snowden's "Whistleblower" Myth
The Plot Thickens on Edward Snowden's Sino-Russian Love Affair
A few thoughts on Snowden, Greenwald, and the NSA
In 2009, Ed Snowden said leakers �should be shot.� Then he became one


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Grill Wrangler
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- Summary
Simplify outdoor cooking with an ingenious all-in-one BBQ tool that gives you all the functionality of a high-performance spatula, fork and tongs. This innovative tool is just what you need for everything from flipping burgers, gripping chicken legs and spearing hot dogs to moving foods around the grill.
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- Hand-wash with hot, soapy water, then rinse and dry thoroughly.
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Shipping Information
This item is shipped from our warehouse by UPS to arrive within five business days of our receiving your order.
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Updated: Gov. Bev Perdue faced criticism this week from Senate leader Phil Berger for her choice of a state-federal health exchange, but her office said she had to pick a plan in order for the state to be eligible for millions in federal grants.
Berger, a Republican, said the outgoing Democratic governor should have left the choice to incoming Republican governor Pat McCrory.
States have three options for internet insurance marketplaces required under the federal law. Perdue chose the middle course so McCrory and the Republican-led legislature can pick something else if they want.
Berger said he didn't object applying for money, as long as it wasn't going to be wasted.


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Fri, Apr 25, 2014 3am to 6am
110 people recommend parking here 72 left comments
So easy now that the reader works.
Exit mechanism wasn't clear in the directions. You insert the ticket, no scanner on the way out.
Clean, quick, and convienient.
Great directions! Convenient walking to Grank Park!
All worked out good
I Love Park Whiz! It made securing a parking spot for the Shamrock Shuffle a BREEZE! The app is super easy to use. It's my new favorite app!
Indoor multi-level garage, near many Chicago attractions, including 1.8 miles from Soldier Field.
This parking garage facilitates an automated ParkWhiz Parking Pass QR Code Reader for entry. See Parking Instructions for complete details.
PLEASE NOTE: If you arrive earlier than your reserved parking period, scanning the QR Code on the ParkWhiz parking pass will not enable the machine to dispense a valid exit ticket. In addition, if you go beyond your allotted parking time, additional charges will apply to allow exit.
Managed by InterPark (Chicago). This location is a commercial parking garage.
Nearby destinations: Bank of America Theatre, Chicago Symphony Orchestra, Auditorium Theatre, The Chicago Club, Chase Auditorium.
From Michigan Ave, go west onto Van Buren and pass through Federal St and turn right into the garage entrance by the green InterPark sign. From the West, take Jackson Blvd to Federal St and turn right on Federal, then take Federal to the garage entrance which will be mid block on the right hand side.


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Thank you for choosing Summa Health System as your healthcare provider. Our goal is to provide you with the right care at the right time in the right place
A listing of all services offered by Summa Health System
This outpatient educational program is designed to address the needs of individuals who do not meet diagnostic criteria for alcohol/drug dependency but have experienced some consequence(s) related to their alcohol/drug use. Program size is limited to a maximum of 12 individuals.
What is being offered? The Insight program is a six-week program designed to provide individuals with the skills necessary to make informed choices regarding their use of drugs and/or alcohol and to assist in developing a personal prevention plan to avoid further problems. The program is held at Ignatia Hall Chemical Dependency Program at Mercy Medical Center. An initial assessment is required prior to starting the program. Initial assessments are usually covered by insurance. Components of Treatment:
Treatment Topics:
Summa Health System offers a full range of chemical dependency services including Detoxification, Assessment, Intensive Outpatient and Aftercare at Ignatia Hall at Summa St. Thomas Hospital. In addition to the Insight program, Assessment, Intensive Outpatient and Aftercare are offered at Ignatia Hall Chemical Dependency Program at Mercy Medical Center. What is the cost of the program? The program is a flat fee ($350.00) paid by the patient by the beginning of the program. Charges are not submitted to any insurance plans; however, individuals would receive an initial assessment. This assessment usually is covered by most insurance plans. Individuals should contact (330) 489-1233 to schedule an appointment.


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Main Content
Order today, receive no later than
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Wednesday, April 30th
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Achieve winning style with this Edged belt from Alpinestars! This woven belt features debossed branding on the buckle and tip as well as a two-toned look.
- 100% Polypropylene
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Just curious if you think we'll play RG3 like we did Vick and just let Timmons go get him?
Just curious if you think we'll play RG3 like we did Vick and just let Timmons go get him?
Yup...Timmons as RG3 spy.
2014 NFL Draft
1) Darqueze Dennard-DB MSU
2) Jordan Matthews-WR Vandy
3) Chris Borland-ILB Wisconsin
4) Caraun Reid, DT Princeton
5) De'Anthony Thomas-RB Oregon
5b) Ryan Carrethers-NT Arkansas State
6) Jeff Janis-WR Saginow Valley State
6b) Seantrel Henderson, OT MIami
7) Colt Lyerla -TE Oregon
makes sense to me.
another solid outing for 94. lets hope he keeps it up and the presence of woodley now, along with harrison, frees him up to run and hit as everyone says that is what he does so well.
Hopefully we don't pull out the 'containing mobile QB's' game plan we deployed versus Teblow where we sit everyone in coverage instead of attacking.
Last edited by Mister Pittsburgh; 10-22-2012 at 05:58 PM.
Quite frankly, with Troy out, TImmons is the only option the Steelers have to contain him. On top of incredible speed, RGIII has a cannon with deadly accuracy. I don't think the NFL has seen a QB with quite the same skills in its history. If he has a weakness, I am not sure any DC has found it yet.
Hampton = spy
Playing Fantasy Football does not qualify you to be the in the front office or on the coaching staff of the Pittsburgh Steelers. They are professionals and you are not!
2014 Draft
1. Eric Ebron, TE
2. Calvin Pryor, S
3 (Comp). Jaylen Watkins, CB
4. Justin Ellis, DT/NT
5a. Brandon Coleman, WR
5b. Brent Urban, DE
6. Prince Shembo, OLB
7a. Aaron Colvin, CB
7b. Storm Johnson, RB


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Sanctuary by John Maine
Saturday 8th March 2014 to Wednesday 23rd July 2014
John Maine's exhibition 'Sanctuary' can be enjoyed at Salisbury Cathedral until 23 July.
Walking Tour of "Sanctuary"
Wednesday 23rd April 2014
Join one of our knowledgeable Guides for a walking tour of John Maine RA's exhibition "Sanctuary".
Meet at the font at 2pm for this free interactive walking tour.
Secret Salisbury Cathedral
Tuesday 29th April 2014 to Wednesday 30th April 2014
Have a fabulous Spring day exploring 'Secret Salisbury Cathedral' - special days for group visitors
Organ Recital by David Halls
Wednesday 30th April 2014
Cathedral's popular Director of Music to give organ recital
Choral Concert - Messiah 'highlights'
Saturday 3rd May 2014
Choral Concert
Highlights from Handel's Messiah
Saturday 3 May, 7.30pm
'The Taming of the Shrew' by Foot in the Door
Sunday 11th May 2014
Beautiful Bianca has no shortage of admirers, but she can't marry until her headstrong sister Kate finds a husband.


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We compare all the UKs top comparison sites, giving you a clear idea on which one to use!Compare Now What You Will Need
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Winter is the season when snow creates a beautiful blanket over the landscape, the holidays are just around the corner and it is time to consider all of the incoming guests.
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Staying loyal to your insurance company can also yield you some rewards. In addition to extending your no claims discount (if you are eligible), you can also take advantage of discounts designed for loyal customers. If you stick with your company for 10 or more years, you may be entitled to a certain discount on your premiums.
Comparing All Elements of a Car Insurance Policy
When comparing car insurance, it is not always best to jump at the lowest price. Instead, conduct some research on the company so that you can find an insurer that will keep you content and happy while you have a policy open with them. In addition to looking at the price of your premiums, you may also want to check the excess and the no claims discount to compare with other companies' policies.
Comparing car insurance online is so quick and easy. You will be able to look at the top UK insurers and compare quotes on different types of policies so that you can find the one that best suits your needs.
If you are looking for a lower monthly or annual payment on your insurance, you can increase the amount that you will pay if you are involved in an accident. The excess on your policy is the amount that you will be required to pay towards the expenses before your insurance company will pay for the other damages. A policy with a high excess will have a lower premium, but you should make sure that you would be able to afford the excess if you are involved in an accident.
There are several types of discounts available to people that are purchasing a car insurance policy. One of the most common discounts available is a No Claims Discount. This discount will be applied to the premium that you have paid in if you go for a full year (or another specified period of time) without a collision. If you are accident-free for 5 years or more, some companies will also offer you the option to protect your no claims bonus in the future. If you are able to protect a no claims discount, you will be able to receive that money back regardless of if you have an accident. You should make sure to read all of the details about the no claims discount before you purchase a policy, as this could drastically reduce the premium that you have to pay.
Another discount that you can easily take advantage of is a discount offered by insurers to customers who purchase their policy online. Many companies are offering very competitive rates with a 10% or more discount for people that shop for insurance online. If you are looking for a policy, you should consider comparing prices from different companies using an online portal and then purchasing your policy directly from their website.
While you may be interested in that fast, flashy sports car, it may not be the best car for your insurance rates. Many companies in the UK will determine how much you pay on your insurance based on the type of car that you own. A car that is found to be safe and inexpensive will be much less costly to insure than a high-maintenance luxury car. If you are looking for a more expensive car, you could buy a less expensive car first to build up your No Claims Discount. If you protect your No Claims Discount, then your insurance will be more cost effective with a luxury car. Also, you should make sure to avoid adding enhancements to your car. Any additions or improvements that you make to your vehicle can directly affect how much you pay on your annual premiums. Also, you will be required to inform your insurer of any changes that you make. If your insurer is not informed, they can deny your claim and void your policy.
Disclaimer & Legal Notice: Our website is a friendly consumer tool designed to save you time and hopefully money comparing car insurance. Like most financial products you need to decide if the product you choose meets your own requirements before making an informed choice. We trust you find our free service useful, if we can be of any assistance please feel free to contact us.


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It's been a sad sight to see at the Jersey Shore as dead dolphins have been washing up on the beach.
Almost two dozen have died so far.
Right now, no one knows why it's happening. But New Jersey environmentalists and state officials are trying to pinpoint the cause.
Two more dolphins were found Thursday afternoon, washing ashore in Ocean City and Margate.
The nonprofit Marine Mammal Stranding Center in Brigantine has been handling the cases so far.
State officials say it looks like the dolphins are dying because of disease, not because of problems with water quality.
So far, four dolphin deaths have been linked to pneumonia. Another dies of a common dolphin virus.
Twice as many dolphins have died farther south in Virginia.
FOX 29's Steve Keeley has more details in this video report from Ocean City.
Flames are tearing through a South Jersey forest right now, and this wildfire is only expected to grow.
WJBK-TV | Fox 2 16550 West Nine Mile Rd.Southfield, MI 48075Main Station: (248) 557-2000Newsroom: (248) 552-5103


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Georgia Health Sciences University Researcher Receives Fellowship Grant
The Arthritis Foundation has awarded a Postdoctoral Fellowship grant to Nianlan Yang, Ph. D., of Georgia Health Sciences University. The fellowship study, which focuses on a prospective new anti-arthritis therapy, will receive $100,000 over a two-year funding period.
This fellowship grant is one of several new projects awarded this year that are a part of the Arthritis Foundation's strategic research initiatives. The organization is the world's largest private nonprofit funder of arthritis research, investing more than $450 million that has resulted in advances in treatment and has given mobility back to countless patients. In addition to research funding the Arthritis Foundation fights for health care policies that improve the lives of the millions who live with arthritis, and partners with individuals and families to provide empowering local programs and information. Arthritis is currently the nation's leading cause of disability.
Dr. Yang joined the faculty of Georgia Health Sciences University during 2008 as a Postdoctoral Fellow after completing training at the Medical College of Georgia.
The Arthritis Foundation is the largest private, nonprofit funder of arthritis research in the world. Since 1948, over $450 million has been invested to fund research in all areas of arthritis and its related diseases. During 2011 alone, more than $14 million was committed to new and ongoing projects. The Foundation's investment has led to critical discoveries that shape the direction of arthritis research and has given mobility back to countless adults and children fighting unacceptable limitations.
The Southeast Region is deeply committed to advancing the national strategic research agenda in order to fund the best possible research that ultimately cures this disease. We are proud to have several ongoing projects funded through our research programs being spearheaded within our six-state area. They include:
Dr. Monica Brown, University of Tennessee
Study: Cytokine Regulation of Dermal Fibroblasts in Scleroderma
Dr. Anne Eliza Eyler, Vanderbilt University
Study: Harnessing Electronic Medical Records for Outcomes in Rheumatoid Arthritis
Dr. Andres Garcia, Georgia Institute of Technology
Study: IL-1Ra-Tethered Nanoparticles to Treat Joint Inflammation and OA
Dr. Jun Li, Univ. of Alabama at Birmingham
Study: DR5 glycosylation mediates apoptosis resistance in RA synovial fibroblasts
Dr. Iris Navarro-Milan, Univ. of Alabama at Birmingham
Study: Coronary Heart Disease in Rheumatoid Arthritis
Dr. Michael Stein, Vanderbilt University
Study: Inflammation and the Heart
Dr. Kai Yang, St. Jude Children's Research Hospital
Study: Modulation of S1P/S1P1 signaling in autoimmune diseases
Find out more about our national research program.


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brikguy is a pretty cool guy, eh? Posts weird threads and doesn't afraid of anything!!
stubby wrote: my floppy penis gets first dibs on it for tradition's sake, but it doesn't seem likely that he'll want to stick around long enough to play.
Tzan wrote:Quantumsurfer wrote:I generally agree with TzanWarhead wrote:I agree with QuantumSmurfer.
I agree with Warhead.
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Fran Unsworth bids to plug press leaks
Fran Unsworth, the acting director of BBC News, has warned staff off leaking internal developments to the press and social networking websites as the corporation bids to restore public trust.
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This firm appears in the Who's Who Legal 100 2013
You are currently viewing details for the Durban, South Africa office of this firm.
Click on the name of a lawyer below to view their profile. Lawyers shaded in purple have professional biographies in one or more practice areas.
To view all Norton Rose Fulbright lawyers by practice area, click here.
Click on an Office to view Lawyers in that location.
What is the Who's Who Legal 100?
Editor's Note - This article was published before the firm's combination with Fulbright & Jaworski.
It is a time of growth for Norton Rose. In 2012, the firm entered Latin America and Central Asia for the first time and strengthened its position in Canada through a merger with Macleod Dixon. Later in the year, it opened a new office in Dar es Salaam, adding to the firm's presence in Africa which now boasts five offices and covers more than 40 African jurisdictions. This year promises to be an equally busy time for Norton Rose as it prepares to merge with US firm Fulbright & Jaworski in June 2013. Following the merger, Norton Rose Fulbright will boast an incredible 3,800 lawyers across 54 offices, including 11 in the US. Despite this international growth, Norton Rose remains dedicated to the quality of its professionals and the provision of a world-class service to clients. The firm garners 137 inclusions across an impressive 29 practice areas demonstrating its brilliance in almost all of our practice areas.
|Practice Area Breakdown
|Insolvency & Restructuring
|Asset Recovery
|Insurance & Reinsurance
|Internet & e-Commerce
|Labour & Employment
|Business Crime Defence
|Life Sciences
|Capital Markets
|Commercial Litigation
|Commercial Mediation
|Oil & Gas
|Product Liability Defence
|Corporate Governance
|Project Finance
|Corporate Immigration
|Public Procurement
|Corporate Tax
|Real Estate
The firm's life sciences practice is "second to none". Norton Rose garners 17 listings across the intellectual property, product liability, regulatory and transactional sub-sections, demonstrating the impressive breadth of its practice. Three lawyers appear in both the IP and regulatory sections: Adrienne Blanchard and Judith Robinson in Montreal and Patrick Kierans in Toronto. Kierans is head of the firm's pharmaceuticals and life sciences sector and has "a thorough understanding" of key regulatory concerns as well as being an expert on IP law. Melbourne-based Bernard O'Shea also achieves a dual listing in this chapter in the regulatory and transactional sub-sections. He is highly experienced in the biotech and pharmaceutical industries and his expertise covers research, clinical trials, product developments and commercialisation, as well as licensing and marketing arrangements. Gino Martel in Montreal and Jeremy Grushcow in Toronto are both highly recommended for their transactional life sciences expertise. The firm achieves three listings in the product liability subsection, among them William McNamara, a "top-notch litigator".We feature 15 Norton Rose lawyers in our oil and gas chapter. The firm is best represented by its offices in London and Caracas. Philip Vallance is an "eminent" financing professional who acts for providers, arrangers and consumers. He is joined in London by Nick Prowse and Eleanor Martin. Prowse has "extensive experience" in advising on both upstream and downstream projects and has a worldwide practice. Martin is a "rising star" who specialises in offshore oil and gas projects. Norton Rose also has a strong practice in Venezuela where we feature a further three lawyers. Elisabeth Eljuri is the global leader of the firm's Latin American practice. As well as being one of our most highly regarded lawyers for oil and gas, she is also listed in our chapters on mining and arbitration. Eljuri is "simply fantastic" and provides "clear, sophisticated and pragmatic advice" on a range of landmark international disputes and transactions. Sergio Casinelli is also an "exceptional practitioner" who has "enviable experience" in service contracts for the oil and gas industry and has worked on the review of Venezuelan and Mexican regulatory matters in this area. Leopoldo Olavarría has a "superb" practice in oil and gas which centres on cross border transactions. Another "outstanding" lawyer in Latin America is Pablo Mauricio Alvarado who, based in Bogotá, is qualified to practise in both Colombia and the US. He represents international clients on high-end transactions and ventures. We also list lawyers from Canada, Australia, Singapore, Russia, Italy and the Netherlands in this chapter, demonstrating the impressive international capacity of the firm.With a vast global footprint, it is no surprise that Norton Rose excels in aviation and we feature 14 lawyers from six of the firm's offices in this chapter. Over the last year they have been a dominant force in the marketplace with high profile matters such as acting for Cathay Pacific in an on-going competition investigation and representing Natixis in a complex, cross border dispute involving leases in default. Lead partner in this case, Patrick Farrell is "one of the stars of the firm" with a practice that centres on international disputes for airlines, banks, lessors, financiers and insurers. He is based in London, alongside six other featured practitioners Duncan Batchelor is a "leading light" in the field and is a "professional, personable and smart" lawyer. He is an asset finance specialist who has particular expertise in cross-border leasing and structured finance transactions. The "very experienced" asset and structured finance lawyer Neil Poland provides "a notably high level of service" for clients in the aviation industry and is praised by clients for his "thorough advice". Elsewhere in Europe, George Paterson in Paris and Ralf Springer in Munich are highly recommended by our respondents. Paterson is a "first-rate lawyer" who leads the Paris office and its aviation team. Springer heads the banking practice in Munich and is a "technically astute" practitioner. In Asia, Jeremy Gibb is an asset finance lawyer and "the one to call" for financing matters in Tokyo. Leigh Borrello, based in Singapore, is "very responsive" and head of the firm's Asian aviation finance practice. He is the "lawyer of choice" for many of our respondents. In Johannesburg, Pierre Naude is a "tough litigator" who has a broad contentious practice which includes insurance disputes.Norton Rose is our mining law firm of the year. It has an exceptionally successful practice having recently advised Tizir on the issuance of a $150 million Nordic bond and advised Allied Gold Mining PLC on a $360 million recommended acquisition by St Barbara Mining Limited. We feature nine lawyers from the practice. Yerzhan Kumarov, managing partner of its Almaty office, is a "leading expert" in the region in mining and infrastructure financing. Jorge A Neher is one of two lawyers included from the firm's Bogotá office. He is a "very talented lawyer" who advises major and junior mining companies on a wide range of issues including financing, transactions and precious stones. Two lawyers are also featured from the firm's Moscow office. Aydin S Jebrailov has a "detailed and comprehensive knowledge of Russian mining laws" as well as the "ability to develop pragmatic solutions". Michael Dale is head of the mining law division in the firm's Johannesburg office and "an expert in the technical side of mining". He "provides excellent results for his clients". In Toronto, Marvin Singer has over 25 years of experience in the area and has worked on projects all over the world. He is "a true authority in the area". The firm also boasts inclusions from Venezuela and London.Two further lawyers of note are Kevin Cron and Brian Gray. Cron is head of the firm's corporate practice in South Africa and has acted for leading mining groups as well as national and international banks. He is a "dynamic" lawyer who has "an excellent reputation for quality work". Cron is listed in our capital markets, corporate governance, M&A and project finance chapter. Based in Toronto, Gray is a "well known leader" in intellectual property with a contentious practice which focuses on patent, trademark, entertainment and advertising disputes. He is "brilliant at working efficiently under pressure" and is an "intellectually gifted practitioner". Gray is listed in the intellectual property section of our life sciences chapter as well as in our chapters on patents and trademarks.The imminent merger with Fulbright & Jaworski will build upon both firm's strengths in the areas of energy, pharmaceuticals and life sciences, financial institutions, infrastructure, mining and commodities, technology and transport. The combined firm will be a "force to reckoned with".
It is not possible to buy entry into any Who's Who Legal publication
Nominees have been selected based upon comprehensive, independent survey work with both general counsel and private practice lawyers worldwide. Only specialists who have met independent international research criteria are listed.
© Law Business Research Ltd 1998-2014. All rights reserved.
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Healthy Aging Month
September is Healthy Aging Month. This month is dedicated to raising national attention on the positive effects of growing older. The goal is to help adults improve their physical, mental, social and financial health. This campaign is produced by Educational Television Network. Checkout one of the books below or visit our online health database, Consumer Health Complete, where you can find all your health information without pesky advertisements.
Mayo Clinic on Healthy Aging edited by Edward T. Creagan
In authoritative, yet easily-accessible language, the experts from Mayo Clinic discuss physical, spiritual, and financial issues--as well as the aging process itself--and how the effects of day-to-day living can influence one's quality of life in the future.
Aging as a Spiritual Practice: a contemplative guide to growing older and wiser by Lewis Richmond.
Guides readers through the four key stages of aging- such as "Lightning Strikes" (the moment we wake up to our aging)-as well as the processes of adapting to change, letting go of who we were, embracing who we are, and appreciating our unique life chapters. Incorporates illuminating facts from scientific researchers, doctors, and psychologists, as well as contemplative practices and guided meditations on aging's various challenges and rewards. The tandem of maintaining a healthy body and healthy relationships, infused with an active spiritual life, is explored in rejuvenating detail.
Use Your Brain to Change Your Age: secrets to look, feel, and think younger every day by Daniel G. Amen.
Dr. Daniel G. Amen shares ten simple steps to boost your brain to help you live longer, look younger, and dramatically decrease your risk for Alzheimer 's disease. His brain imaging work has taught him that our brains typically become less active with age and we become more vulnerable to memory problems and depression. Yet, one of the most exciting lessons he has learned is that with a little forethought and a brain-smart plan, you can slow, or even reverse, the aging process in the brain. Dr. Amen 's breakthrough, easy-to-follow anti-aging program shows you how to: boost your memory, mood, attention, and energy.
In this inspiring and candid book, Jane Fonda, #1 bestselling author, actress, and workout pioneer, gives us a blueprint for living well and for making the most of life, especially the second half of it. Covering sex, love, food, fitness, self-understanding, spiritual and social growth, and your brain. In Prime Time, she offers a vision for successful living and maturing, A to Z.
Secrets of Longevity: hundreds of ways to live to be 100 by Maoshing Ni.
Looking to live a longer, happier, healthier life? Try eating more blueberries, telling the truth, and saying no to undue burdens. These are just a few of the hundreds of tips profiled in Secrets of Longevity a simple, no-nonsense approach to living longer. Dr. Maoshing Ni, doctor to Hollywood stars and a Tai Chi master specializing in longevity, brings together simple and unusual ways to live longer in this beautifully designed, chunky paperback, putting at the fingertips a host of proven ways to make anyone's stay on earth much, much happier.
A Long Bright Future: an action plan for a lifetime of happiness, health, and financial security by Laura L. Carstensen.
In A Long Bright Future, Laura L. Carstensen seeks to shed the myths and misconceptions about aging that stop individuals from adequately preparing for healthy, fulfilling, and financially stable long lives. We're living in a time when five generations of a family may all be alive at the same time. Everything will change: education, work, financial markets. And we--as individuals and as a nation--need to be prepared. In a reassuring and respectful tone, this optimistic and highly informative guide to smart aging will show readers the steps they need to take to ensure that long life becomes synonymous with good life.


text: You've been racking your brain to come up with the perfect get-together spot for post-work tippling/dinner with friends/that next date. Look no further than recently opened, all-purpose hangout Smith Commons Dining Room & Public House. Outfitted with fireplaces, exposed brick, and giant windows, the trilevel bistro — and former warehouse space — is the Atlas Arts District's newest go-to. Play catch-up with old friends over craft beers (De Dolle Dulle Teve and Duvel Moortgat) and bites (crab cake sliders, fish-and-chips) at one of three bars. Night out with your new beau? Tuck into a cozy, hearth-side sofa while debating the dining room's tavern-style dishes (mussel bouillon, lamb chops with a heaping side of mashed potatoes). Even overworked colleagues will praise your $5 happy hour sips and snacks suggestion. Consider it your new common ground. Smith Commons Dining Room & Public House, 1245 H Street Northeast, between 12th and 13th Streets (202-396-0038 or smithcommonsdc.com). Photo: Greg Powers Up to 70% off Hanii Y This designer's uptown yet bohemian aesthetic produces stunning Joan Holloway-esque dresses, ruffle tops, and exquisite LBDs, not to mention bold, structural jackets. Take up to 70% off today on our sample sale site.


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Virgin Louana coconut oil has become very popular in recent years and for good reason. Savvy health researchers and people such as yourself who are concerned for their health, both externally and internally and their nutritional well being have discovered the many benefits of virgin coconut oil.
The benefits of louana coconut oil for skin are many. Most women who buy the Louana brand use it daily on their skin to both rejuvenate dry and wrinkled skin but also to nourish the skin. Louana coconut oil for skin complaints has been helpful for many people, even reports of helping with Bursitis.
Another common qCoconut palmuestion I get. Is louana coconut oil paleo diet compatible? Yes as coconut products meet the paleo diet requirements then so does virgin louana coconut oil. Cooking with the lou ana oil is a healthy option.
What are the louana coconut oil ingredients? According to the packaging and the company profile louana coconut oil contains 100% coconut oil and no other ingredients.
1/ A common remedy from the Caribbean Islands is to rub refined coconut oil on the head and chest when someone has bronchitis or congestion. Many in the USA also swear by this method using Louana coconut oil refined on the chest to alleviate coughs and bronchitis.
2/ Louana coconut oil for pets! I add a teaspoon of lou ana coconut oil to my pets food once a day by just mixing it in with their food. They do not seem to notice the flavor and my cat and dog have kept lovely shiny coats since I started adding this coconut oil for their skin and coats.
3/ Virgin louana coconut oil has also been reported by users to fix mouth ulcers in only a couple of days. Melt the refined coconut oil wait for it to cool enough to hold in your mouth and swish around and gargle. Do this twice a day with a tablespoon each time. This seems to be one of the many amazing benefits louana coconut oil is aiding people with.
4/ Pacific Islanders have been applying coconut oil to their skin for millennia both as a skin softener and also to protect the skin from the harsh pacific sun. Many Americans apply louana coconut oil for skin protection during summer, it helps to stop sunburn and aids in tanning the skin a lovely bronze, although research is yet to show if virgin coconut oil actually blocks out UV light damage on the skin.