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That's it for today. Thanks everyone for reading this blog - and posting all your comments.
Here's our evening wrap of today's session.
And Westpac has now followed suit, also shaving 20 basis points off its standard variable mortgage rater, bringing it down to 6.51 per cent.
That leaves ANZ as the last one out, but the bank won't announce its decision for another nine days, the second Friday of the month.
QBE Insurance is understood to be close to finalising its recently announced $US500 million subordinated debt issue, the AFR reports.
The listed insurer's share price dived as much as 5.7 per cent today, and closed down 4.7 per cent, or 50 cents, at $10.10.
The AFR quotes sources as saying the group is close to finalising the subordinated debt issue, which was announced in November to shore up its balance sheet.
Talk about an equity raising has been swirling following the drop in share price, but sources close to QBE say this is incorrect. That said, analysts remain concerned about the company's "tight" capital position, the AFR says.
The major banks are adding pressure to deposit makers while lifting the pressure on mortgage holders, adversely affecting those who live off their savings.
Canstar data shows that while the banks have been cautious to pass on full rate cuts to mortgagors, they have been eager to slash the interest paid on savings accounts.
Between May and November, the average interest collected on a five-year term deposit with one of the big banks shrunk by more than 1 percentage point – from 5.65 per cent to 4.60 per cent. The interest paid to online savings accounts declined at a similar pace.
Despite this, the average interest collected on home loans over the same period fell more conservatively, at just 0.78 percentage points.
Here's how some of the blue chips performed:
- Rio: +1.6%
- Westpac: +0.6%
- Fortescue: +2.2%
- Woolies: +0.4%
- Wesfarmers: +0.4%
- Telstra: +0.9%
Among the major sectors, financials rose 0.5 per cent, energy gained 0.4 per cent and materials added 0.2 per cent. Telcos rose 1 per cent, while gold was again one of the losers, falling 1.1 per cent.
The market has closed higher, with the ASX200 rising 16.8 points, or 0.4 per cent, to 4520.4, while the broader All Ords gained 16.2 points, or 0.4 per cent, to 4528.0.
In a good sign for the jobs market, the federal government's leading employment index rose for a fifth consecutive month in December, after previously falling for seven straight months.
The federal Department of Education, Employment and Workplace Relations indicator of employment rose by 0.073 points in December, to 0.120 points.
''It is still too early to confirm that a renewed quickening in the pace of employment growth above its long-term trend rate of 1.6 per cent per annum is in prospect, because the indicator has risen for fewer than six consecutive months,'' the department said.
The leading jobs indicator anticipates movements in the growth cycle of employment, with a turning point confirmed after six consecutive monthly moves in the same direction.
CBA has followed NAB in cutting mortgage rates, and in not passing on the full RBA rate cut. The bank's standard variable rate will drop by 20 basis points to 6.40 per cent, effective next Monday.
No matter how negative the news, it just isn't sticking to our Teflon dollar, CMC Markets Tim Waterer notes:
- RBA rate cuts, falling commodity prices, lower GDP print, all seemingly water off a duck's back when it comes to Australian dollar performance with the currency inching closer to the $US1.05 level against the greenback.
- Most traders seemed to interpret the RBA's statement as indicating that the central bank has wielded the axe on rates for the last time in the present cycle, which if true would preserve the AUD's yield advantage over other currencies for the foreseeable future.
- It would seem traders looked at the RBA statement in the same context as the improving Chinese economic data this week and have put two and two together and come up with 3% being the floor on the Australian interest rate picture looking ahead to 2013.
While Ten is offering new shares at a massive discount, someone is buying Seven West, pushing up shares by as much as 3.7 per cent. They're currently up 0.8 per cent.
Shares accounting for 1.2% of #Seven West, worth around $20m changed hands today. Large trade catching people's attention today#ausbiz
— Brooke Corte (@brookecorte) December 5, 2012
Aussies are frequently told about the weak areas of the economy, so much so that we forget the strengths, CommSec chief economist Craig James notes as car sales hit a new record, and tourists arrival in record numbers:
- Aussie consumers are shy in some ways, bold in others. Certainly cars are being snapped up, and with good reason – car affordability is at record highs.
- The important point for domestic manufacturers is that the demand is there, but the right vehicles need to be produced to capitalise on opportunities.
- Despite the high Aussie dollar, a record number of tourists are coming to Australia, with much of the growth from China and other Asian countries.
- More time and energy needs to be devoted to selling our strengths to prospective tourists. A growing tourism sector acts to diversify income flows to the country away from resources and rural exports.
China's economic growth may quicken to 8.2 per cent in 2013 from an expected 7.7 per cent this year in response to official growth-promoting polices, but downside risk remains from global uncertainties, the Chinese Academy of Social Sciences (CASS) says.
The country's top think tank said in its "blue book" report on China's economy that Beijing should boost budgetary help to the economy by borrowing and spending more, and cutting taxes that hinder economic efficiency.
China has not yet issued an official GDP forecast for 2013, but CASS's status as the premier state-backed centre for academic and policy research means its outlook to a certain extent reflects central government thinking.
"We are cautiously optimistic on the outlook for 2013. We should be alert to possible downside risk and be prepared with enough policies," the think-tank says.
Good time to take a look at how the region's main markets are doing:
- Japan (Nikkei): +0.1%
- Hong Kong: +1.2%
- Shanghai: +3%
- Taiwan: +0.5%
- Korea: +0.5%
- India: +0.5%
- Singapore: +0.4%
- New Zealand: -0.1%
And while we're overseas, Chinese shares are rallying as investors cheer policy comments from new Communist Party chief Xi Jinping, committing to stable economic growth.
The CSI300 of the top Shanghai and Shenzhen listings is up 3.9 per cent, while the Shanghai Composite has added 3 per cent. Today's gains have helped both indexes further rebound from near four-year lows.
Addressing a politburo meeting, Xi said in comments reported late on Tuesday that the government aimed to stabilise exports and make policies more targeted and effective as the world's second-largest economy faced both favourable factors and challenges next year.
Shares in Samsung Electronics extended gains to reach a life-time high of 1.447 million Korean won ($A1,273.74) in recent trade in Seoul, after the electronics giant promoted Jay Y. Lee, the son of its chairman and the anointed heir, to vice-chairman.
The promotion of the snappily-dressed and bespectacled Mr Lee, 44 comes after Samsung marked the 25th anniversary of his father Lee Kun-hee's chairmanship last week.
The younger Mr Lee will have big shoes to fill as it was under his father's watch that Samsung Electronics was transformed from a low cost producer into a global player that has overtaken Apple in terms of smartphone sales.
Critics say he lacks his father's charisma, business insight and entrepreneurship and that he faces tough challenges, not least a patent battle with Apple that is being fought out in courts across the globe.
Shares in Coal of Africa have slumped on the news of a strike at its Mooiplaats colliery in South Africa.
The strike follows the suspension of four workers, the company said in a statement this morning.
The junior coal company said that all four underground sections of the mine had stopped operating and any continued strike action would have a severe impact on the viability of Mooiplaats and could result in job losses.
Shares in the miner have fallen 7.9 per cent - 1½ cents - to 17½ cents.
The tax office has secured a victory against James Packer's former company Publishing and Broadcasting Ltd – which later became Consolidated Media Holdings – that will see its new owners, News Limited, picking up the tab on a $400 million capital gain.
The tax assessment is expected to be about $4.2 million plus more than $1 million in interest.
The High Court has found the Commissioner of Taxation correctly assessed a $1 billion done in 2002 as a capital gain.
However, the tax bill is not expected to be material to News Ltd, which was aware of the risks when it purchased ConsMedia last month for $1.94 billion.
There's bad news for high-speed traders in a report from the US regulator which found they make money off the back of small investors without taking much risk themselves.
High-frequency trading firms earn large and persistent profits, according to a study by the chief economist at the Commodity Futures Trading Commission the derivatives regulator.
"HFTs derive their profits from fundamental and small investors," Andrei Kirilenko said. "HFT profits increase in aggressiveness."
The report could be a setback for the sector as regulators consider tighter rules.
The nation's largest cattle producer, Australian Agricultural Company is on track to post a 2.5 per cent increase in sales for the year.
However its earnings are being hurt by weak cattle prices as the company desperately tries to become profitable again following several years of losses.
Its physical performance metrics were tracking well, AACo said, including weather and pasture conditions that supported weight gain and brandings results.
Shop owners have received some good news ahead of Christmas, with data showing the retail services sector expanding for the first time in 12 months.
The Australian Industry Group - Commonwealth Bank Australian Performance of Services Index (PSI) improved in November, rising 4.3 points to 47.1 points.
Even though the overall sector was contracting but at a slower pace, the retail sector showed an expansion. The sub-index for retail services rose 13.6 points to 55.2. It was the first time that sector had been over 50 - the level that separates expansion from contraction - since November 2011.
Australian Industry Group chief executive Innes Willox says the improvement in retail comes at a good time.
''While the sector as a whole remains weak, there are some tentative signs of encouragement, including the lift in retail trade one month out from Christmas,'' he says.
The latest Network Ten capital raising will give investors more rope with which to hang the embattled broadcaster's board at tomorrow's shareholder meeting, BusinessDay's Colin Kruger writes, but the billionaire directors have one mitigating factor – they are sharing the pain. Really sharing it.
From a peak above $1.50 in November 2010 – soon after James Packer, Lachlan Murdoch, Gina Rinehart and Bruce Gordon finished their buying spree – to a low of the expected 20¢ price for the latest capital raising, the billionaire board members are down more than $560 million.
This does not include losses on the most recent $200 million capital raising at 50¢ a share.
Shareholder advocates and proxy advisors have already armed Ten shareholders with a scathing assessment of the company and recommendations to vote against the company's remuneration report.
UBS has sent out its 2013 global outlook:
- The 2013 global growth outlook is a sub-trend modest outlook that will steadily accelerate in 2014. Global growth forecasts for 2013 and 2014 are 3.0% and 3.4% respectively.
- The core developed OECD economies will continue to grow at a low sub-trend rate vs the long run average for some years to come.
- Importantly, it is about the composition of global growth as the developing economies will continue to be the drivers going forward. This will continue to drive investment returns across the asset classes in 2013.
- Given the current level of global stimulus the growth outlook really needs to be higher to generate strong earnings momentum in 2013.
The November China services PMI has landed and it shows a slowing in services sector growth - down from 53.5 in October to 52.1, but still in expansionary mode:
- Composite data points to strongest rise in output in four months
- Outstanding business at the composite level falls at the fastest pace since January 2009
- Total employment broadly unchanged since October
GDP reaction: Along the lines of Michael Pascoe's earlier mentioned spray, HSBC chief economist Paul Bloxham says the figures show that the government's push to return the budget to surplus is a drag on the Australian economy:
- Mining investment was still a strong contributor to GDP growth in the quarter, but we've seen public demand has fallen quite sharply. So the government's plans to get back to budget surplus this year are having a contractionary impact on the Australian economy.
- Growth seems fairly uneven across the economy and the signs of rebalancing in the economy are still tentative at this stage.
- But an important thing to keep in mind is given the global backdrop at the time - we had the European financial crisis, we had a slowdown in China's growth and a sharp fall in commodity prices, you've got to think that 0.5 per cent growth in the quarter is still a pretty solid result.
National Australia Bank's internet subsidiary UBank is cutting its UHomeLoan variable interest rate by 20 basis points to 5.27 per cent, effective December 14.
The rate is at the bottom end of comparative offers.
"UBank is able to offer such competitive rates because we are an online bank and have comparatively lower operating costs which we can pass onto customers in the form of great rates," UBank General Manager Alex Twigg says.
Here's economics correspondent Peter Martin's take on the GDP figures:
Slowing economy points to difficult year ahead
Economic growth moderated during the September quarter, growing by 0.5 per cent. Peter Martin expects growth will slow further next year.
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Australia's mini fiscal cliff seems obvious to everyone except the federal treasurer and his shadow, both pointing everywhere else as they wrestle each other over the edge, Michael Pascoe writes:
It's printed plainly in today's national accounts: the 0.5 per cent private sector investment contribution to gross domestic product neatly cancelled out by the minus 0.5 per cent contribution from government sector investment, leaving it to inventories and household consumption (0.3 and 0.2 per cent respectively) to provide the 0.5 per cent bottom line lift for the September quarter.
And Wayne Swan and Joe Hockey both promise further tightening of fiscal policy. With Hockeynomics, it could be a dramatic further tightening, unless there's dramatic further spending as well – it's hard to tell from the opposition's promises to spend more and spend less and tax less, except when taxing more.
Bernie Fraser thinks the government's pursuit of an immediate surplus is stupid, but it seems to be the only federal bipartisan goal.
Another reaction: the Australian economy has been running at below trend rates over the six months and households remain cautious, ANZ says in its take on today's GDP numbers:
- Mining activity still appears to be the key driver of real GDP growth (on the expenditure side) although there were some signs of a pick up in dwelling investment.
- Meanwhile lower national income growth owing to the falling terms of trade and soft profitability will continue to weigh on business confidence and the outlook for business investment and employment.
- In terms of monetary policy, today's data are somewhat backward looking and provide limited guidance on whether recent rate cuts will be enough to encourage a sufficient pickup in non-mining drivers of economic growth.
- While the RBA will retain an easing bias next year, much will depend on the path of the currency and trends in the unemployment rate which is expected to edge higher from here.
- Labour force data (tomorrow) and trends in job advertisements remain critical.
The main surprises in the data, according to ANZ:
- Softer household consumption which increased just 0.3% q/q, suggesting that consumers remain cautious and are not (as yet) responding to the lower rate environment. The household savings ratio fell only slightly to 10.6%.
- Business investment surprised on the upside owing to a sharp rise in machinery & equipment. However non-dwelling construction declined again.
More reaction to GDP: a small bit of the puzzle is in place for a rate cut in February but not the whole thing just yet, says UBS interest rate strategist Matthew Johnson:
- A recession? You can never say never. I guess the increase in inventories is not desirable but I can't see a recession forming in the data.
- It is the case that nominal GDP is growing very slowly. If that continues we'll have a year where times are pretty tough but it's not yet clear that it's going turn any worst than tough times.
It's not all doom and gloom in the economy, or even among consumers: sales of new vehicles were up a brisk 10.9 per cent in November from a year earlier, industry data shows, with consumers still ready to splash out on big ticket items despite being cost concious elsewhere.
The Australian Federal Chamber of Automotive Industries VFACTS report showed total vehicle sales in November were 98,347, compared to 88,654 in the same month last year. Sales were up 2.9 per cent on October, while in seasonally adjusted terms the increase was 0.1 per cent. For the 11 months to November, sales were running at 1.02 million, up 9.8 per cent on the same period last year.
Sales of sport utility vehicles finally started to slow somewhat after a meteoric rise, but were still up 8.1 per cent on November last year. The light commercial market was also strong with a rise of 15 per cent and the heavy truck market enjoyed a jump of 19.7 percent, pointing to solid business investment.
The strength of vehicle sales has been in stark contrast with softness seen in retail spending, with consumers perhaps attracted by low interest rates on car loans.
A reader has just alerted us to the drop in QBE shares, which sank as much as 5.5 per cent this morning - a sizeable drop for a $12.3 billion company. Shares are now down 3.7 per cent. We're looking into it but let us know if you have an explanation for the drop.
The nation's second largest oil and gas producer Santos has cut 100 jobs from its South Australian operations.
Redundancies will begin in the first quarter of 2013. Those affected are based in the company's Adelaide head office and its Moomba operations in the Cooper Basin.
Santos said the affected roles were not going to meet the needs of the business in the coming years. Those needs include the next stage of its natural gas development in the Cooper Basin, based around in-fill drilling and shale gas.
Santos shares are down 1.2 per cent.
And here's BusinessDay's Mal Maiden on the GDP numbers:
GDP for September, as expected, but it's all about 2013 now, when the nmining boom fades
— Mal Maiden (@Journo55) December 5, 2012
In company news in between the GDP updates, Consolidated Media, James Packer's pay television business acquired by News Corp last month, has lost a dispute with the Australian Tax Office over a $1 billion share buyback in 2002.
The High Court today overturned a federal appeal court ruling which said the proceeds Consolidated Media received from its Crown Melbourne casino unit were a dividend.
The Commissioner of Taxation argued it was a capital gain, which is taxable at the corporate rate rather than a dividend that provides a rebate to companies under the code. Consolidated Media Holdings had a capital gain of $402,461,564 as a result of the share buyback, according to the tax office.
The rebate provided from the dividend resulted in Consolidated Media not having to pay tax in 2002, according to court records.
Consolidated Media, then known as Publishing and Broadcasting Ltd, owned all the shares in Crown in 2002. The casino decided to buy 29 percent of the stock from its parent in an off-market transaction.
First reactions by economists on the GDP numbers are coming in. Macquarie senior economist Brian Redican says the strength of the mining sector is tiding Australia over for the moment, but the economy is likely to weaken in the months ahead:
- This is a fairly sluggish rate of growth, even with mining investment adding to growth, and before the major fiscal cutbacks begin to come through.
- Those cuts are starting to have an impact, but a negative impact, particularly from mining, is just going to get larger through 2013.
- Rate cuts from the Reserve Bank of Australia could provide some relief, but previous rate cuts have taken a long time to filter through the economy.
A couple of first reactions to the GDP numbers, on Twitter:
GDP 0.5% qoq + 3.1% yoy for Australia-not brilliant but not terrible either #AUD looking bullet proof against #USD v #JPY I like it lower
- @gregorymckenna
Good productivity data; GDP per hour worked rising solidly
- @TheKouk (Stephen Koukoulas)
Real GDP per capita flat in Sept quarter. Disp income per capita fell by -1.1% on falling commodity prices. Here comes the income shock.
- @leithvo (Leith van Onselen)
Some other stats out of the GDP release:
- Real GDP per capita flat in the quarter
- Disposable income down 1.1 per cent in quarter
- Household saving at 10.6 per cent in Q3
- GDP deflator down 2 per cent over the year
- Terms of trade down 4 per cent in the quarter
The dollar has hardly budged on the news, trading at $US1.0475. The ASX200 has lost a couple of points, but again not much.
Third-quarter economic growth figures are out: GDP grew 0.5 per cent in the quarter and 3.1 per cent over the year. That just about matches expectations of 0.6% growth qoq and 3.1% yoy.
Getting ready now for the GDP numbers. The dollar is at $US1.0477.
Iron ore miner Sundance has plunged as much as 14 per cent after it said its takeover by Hanlong would be delayed to the end of January because the Chinese company has not yet obtained the necessary funding.
The deal had been due to close on January 8.
Shares have bounced back from a soft start, pulled up by banks and miner Rio Tinto in restrained trade ahead of economic growth data out at 11.30am.
Gross domestic product is expected to have increased 0.6 per cent in the quarter, and 3.1 per cent for the year, down from 3.7 per cent in the second quarter.
"Equity valuations remain compelling on most measures," says UBS strategist George Boubouras.
"We continue to recommend a combination of quality defensives with a dividend strategy for conservative portfolios, through to increased exposure towards cyclicals for a more aggressive risk appetite."
As some context to the announcement of a $225 million capital raising by Ten, here's a chart showing the broadcaster's shares price since mid last year. It doesn't make for very pleasant viewing for the moguls, mining and otherwise, who recently bought into the company.
As we note here, in June Ten asked its major shareholders, including its cluster of moguls, to put their hands in their pockets and help the No. 3 TV network to raise $200 million to pay down debt and give it the "flexibility" it needed to deal with an "uncertain" ad market.
Mr Packer, Ms Rinehart and Mr Murdoch all took up their entitlement of shares, which were offered at a 20 per cent discount to the then price of 64 cents. Prior to today's trading halt, its shares were at 32.5 cents. Here's the chart:
The benchmark ASX200 is in a positive mood after the first hour of trade - it's more than 0.3 per cent higher now after dipping just after the opening bell rang.
The online travel company Wotif has hired Scott Blume, an executive with decade-long experience in the tourism industry in Asia, to replace Robbie Cooke as chief executive.
In a signal that it intends to ramp up its online business in the Asia-Pacific region, Wotif described its new chief executive as a ''seasoned CEO with travel sector experience both within Australia and Asia''.
Mr Blume has spent 10 years working in Singapore, India, and Indonesia, which has included time as president of online travel agency Travelocity and chief executive of Zuji. His latest role has been as chief executive of the Indonesian RKI Group.
The ASX200 is now 0.2 per cent higher. Looking at the best performed companies on the benchmark index:
- Ausdrill: +3.37%
- Perpetual: +3.24
- Discovery Metals: +3.18%
- Cabcharge: +3.03%
- Seven West Media: +2.79%
- Flight Centre: +2.6%
- Myer: +2.35%
Here's an interesting view on why yesterday's interest rate cut, although it took rates to GFC levels, was not a move to an "emergency" footing. This was posted by 'House and Holes' on the Macrobusiness blog:
Interest rates are not at an "emergency low". We are not in an emergency. That this cycle is different to that which transpired in 2009 is obvious. Fiscal policy is completely different, the global and local economy's are completely different and consumer behaviour is also different. Aside from anything else, owing to wider spreads, actual mortgage rates are still 50-60bps above GFC lows.
Looking at blue chips, there's a positive tone in early trade across sectors with most of the big miners, banks and retailers all showing early gains:
- Rio: +1.1%
- Woolies: +0.31%
- Wesfarmers: +0.25%
- Myer: +2.35%
- Telstra: +0.58%
- Qantas: +0.76%
Sector by sector on the ASX200:
- Telecoms: +0.53%
- Utilities: + 0.44%
- Financials: +0.35%
- Industrials: +0.3
- Info tech: -1.1%
- Health: -0.48%
- Materials: -0.26%
The Australian share market is marginally higher ahead of the release of economic growth figures.
The benchmark S&P/ASX200 index was up 3.8 points, or 0.1 per cent, at 4507.4, while the broader All Ordinaries index was up 3.5 points, or 0.08 per cent, at 4,515.3.
On the ASX 24, the December share price index futures contract was 11 points higher at 4,516 with 6,164 contracts traded.
More on NAB. Only two banks announced their response to the RBA's decision to cut the cash rate by 25 basis points yesterday. The Bank of Queensland passed on 0.20 points and ING Direct passed on the full 0.25 points.
It could trigger a series of announcements from NAB's competitors, except for ANZ which will announce its decision on Friday next week.
''(The banks) are sitting there at the moment desperately wishing their competitors show their hand first so they can undercut,'' Australian Bankers Association (ABA) chief executive Steve Munchenberg told the ABC this morning.
More on NAB. Personal banking executive Lisa Gray said the bank's cost of funding was still high.
''The impact of deposit and wholesale funding costs remain high, resulting from instability in the global economy and low confidence domestically,'' she said in a statement.
NAB has promised to offer the lowest standard variable home loan rate of the big four banks until the end of 2012. Commonwealth Bank and ANZ would now have to cut their rates by at least 23 basis points to offer a lower standard variable rate than NAB.
Early take - markets are down about 0.1 per cent without all companies trading.
BREAKING NAB has cut rates by 20 basis points. That's the first of the big banks to move after yesterday's rates decision.
IG Markets analyst Cameron Peacock has some thoughts on why markets dipped yesterday after the RBA announced its rates decision. He notes that the ASX fell from from -0.2% to -0.6%. Why?
Part of that was due to the retailers which you'd think would have been among the biggest beneficiaries of a cut. Myer and David Jones were up close to 5% and 2% respectively before the cut, yet finished flat.
Maybe the market figured (or realised) the flow-through effects of a December rate cut will be too late to influence the Christmas shopping period ... That's why we suggested heading into the November RBA decision that an earlier cut would have been more beneficial to the consumer and thus the economy.
There's some good news for retailers in this morning's services sector PSI. In a note, CBA economist John Peters points out:
The retail trade sub-sector expanded for the first time in close to twelve months in November. It lifted by a significant 13.6 points to 55.2. This is an encouraging, albeit tentative sign, ahead of retailers' peak Christmas trading period. Health & community services activity jumped 12.4 points to 51.6, and finance & insurance increased by 3.4 points to 69.7.
We could be looking at a down open after all, says one analyst:
US stock futures have drifted lower after the physical close. Real chance now the #XJO could open modestly in the red #stocks #ausbiz
— David Scutt (@David_Scutt) December 4, 2012
Some analyst rating changes from late yesterday:
- M2 Communications rated new neutral at CIMB
- Metcash cut to equal-weight from overweight at Morgan Stanley
- Metcash raised to outperform from neutral at Credit Suisse
- Fleetwood cut to underweight from neutral at JPMorgan
- Domino's Pizza cut at E.L. & C Baillieu
- iiNet rated new buy at Citigroup
- Transurban rated new neutral at Nomura
The services sector remains weak despite a slight monthly improvement, but there is some good news for retailers. The Australian Industry Group and Commonwealth Bank Australian performance of services index (PSI) improved in November, rising 4.3 points from October to 47.1.
But the index is still in contractionary territory, with a reading below 50.The data included an encouraging sign for the retail sector, which rose 13.6 points to 55.2 in November - showing expansion for the first time in 12 months.
Australian Industry Group chief executive Innes Willox said a rise in retail was promising in the lead up to Christmas.
''While the sector as a whole remains weak, there are some tentative signs of encouragement including the lift in retail trade one month out from Christmas,'' he said in a statement. But Mr Willox said the overall results showed Australians remain cautious with their spending.
In major corporate news this morning, Ten Network shares have gone into a trading halt as the struggling free-to-air broadcaster prepares to raise new funds.
The trading halt was requested by the company ''pending an announcement by Ten in relation to a proposed capital raising and other initiatives'', it said in a statement to the ASX today.
It has been reported Ten would seek to raise $225 million by issuing new shares at about 20 cents per share. Ten shares closed Tuesday's local trading session at 32.5 cents. A new capital raising venture would be Ten's second in just six months, after it raised $200 million in June.
In economics news today we get third quarter GDP data from the ABS at 11.30am. A Bloomberg survey expects the economy to have expanded by 0.6 per cent in the three months to the end of September, but growth is expected to have moderated over the year - from 3.7 per cent to 3.1 per cent.
Heading into what many are predicting will be a downbeat 2013, it'll be interesting how the reading stacks up with expectations. Full coverage here when the data arrives.
The Aussie dollar has not suffered a hangover following yesterday's rates decision. It got close to $US1.049 early today and was trading at $US1.047 a short time ago.
BusinessDay's Clancy Yeates writes that the jump in the dollar came because some investors had expected a larger 50 basis point move and RBA governor Glenn Stevens had failed to give the market a clear signal about whether further cuts were planned, analysts said. Here's Clancy Yeates on the dollar. And here's this morning's dollar story.
Fiscal cliff worries have again weighed on investor sentiment in offshore trade overnight. Wall Street slipped, but not far, and Europe was positive but not exuberantly so. While the futures market and the dollar suggest a small gain at the open, local shares are likely to get off to a cautious start.
For a comprehensive look at this morning's business news, check today's need2know. Here are this morning's key markets number:
- SPI futures are 7 points higher at 4512
- The $A is higher at $US1.0476
- In the US, the S&P500 was 0.17% lower at 1407.05
- In Europe, the FTSE100 fell 0.08% to 5869.04
- China iron ore added $US1.80 to $US117.10 a metric tonne
- Gold rose $1.50 to $US1695.45 an ounce
- WTI crude oil fell 29 cents to $US88.80 a barrel
- Reuters/Jefferies CRB index was flat at 300.26
Good morning folks. Welcome to the Markets Live blog for Wednesday.
Contributors: Thomas Hunter, Jens Meyer, Richard Hughes, Max Mason
This blog is not intended as investment advice
BusinessDay with agencies


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PETA may be known to go a little over the top (scratch that—a lot over the top). But we think we can all agree that aggressive body fur below the belt should be abolished.
We're offering a Brazilian wax for $19 (reg. $45) or three for $49 (reg. $135) at Hibba NYC.
You know the drill: your esthetician will remove all hair from your bikini area and beyond. An azulene wax with plant extracts and chamomile will gently annihilate strays before a rosewater elixir and neem tree oil soothe the area. The result? Optimum smoothness.
Grab this Loot and appease PETA. It's possible!
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Essential Cozy Throw
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Our exceptionally lofty, oversized throw is soft and perfectly cozy.
50 x 70"
Woven of polyester.
Monogramming is available at an additional charge.
Monogram will be placed at one corner of the throw.
Machine wash.
Select items are Catalog / Internet only.


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quote:nd posting a pic as such is not only completely disrespectful to the child
quote:Maybe you should take a look at yourself before you start using leukemia patients
quote:Like I said, using a leukemia patient as troll bait.
quote: I'll pray you get the thread stickied so we can see exactly what you use 11 year old children for.
quote:I haven't read all the posts, but I wonder how many that are calling out the crowd for leaving early were even there? The crowd was pathetic, I ate two tickets I couldn't give away, tailgating was Towson-like, etc. Yes, some of it was the blue hairs migrating off their primo seats on the west sideline early, and there were a bunch of no-shows in all parts of the stadium, but if anyone comes in here and whines about not having access to tickets and how the fans going these days have ruined Tiger Stadium, I will call BS to their face.
quote:why didnt you just buy them the best tickets available?
quote:Why didn't you give him tickets to Alabama?
quote:Seems to me of the kid is on his last leg
quote: be a little more generous than just giving him your regular seats.
quote:Any reason you need to wait until tomorrow?
quote:I bought and paid for the ticket. I leave when I damn well please.
quote:I made $1,800 during the amount of time I took a shite at work today. If that amount really concerns you, then you have bigger fish to fry brah


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China has set its sights on the aerospace industry, and it is advancing rapidly toward its goal…of market dominance. China may be poised to take the aerospace industry by storm; the country is working (rapidly and diligently, I might add) to compete with, and perhaps overtake, longtime market leaders The Boeing Company and Airbus. "It's the largest market outside the U.S. for commercial airplanes, … Read More
Jet, International Civil Aviation Organization, Airbus, Electronic, Geek, Hardware, Aerospace, C919, china, Electric, Avionics, electrical, Boeing, Comac C919, Comac, Commercial Aircraft Corporation of China, Mentor, Military, Mil-Aero, Milaero, Mentor Graphics, Mentor.com


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Financial SupportEntrepreneurship is alive and well in Seattle with new businesses starting-up every day. As businesses start-up or decide to expand, their owners face new sets of challenges, including navigating the permitting process, securing financing, deciding how and where to expand, and addressing issues related to attracting and retaining quality employees. OED is here to help current and potential business owners access local resources and help them get their businesses off the ground. Financing Options Available for BusinessesIn response to the tight credit market for businesses, OED has several financing options for businesses, including options for small to medium to large businesses. For more information about the CDBG Small Business Loan Fund, Grow Seattle Fund, or New Markets Tax Credits mentioned below, please contact Ken Takahashi in the city's Office of Economic Development at 206-684-8378 or firstname.lastname@example.com. CDBG Small Business Loan FundFederal Block Grant funds provide financing for small business projects that benefit low-income entrepreneurs and low-income communities and create jobs. OED has partnered with community-based lenders to provide loans using CDBG funds to small businesses. OED's lending partners are Community Capital Development, Craft3, and the Rainier Valley Community Development Fund. Grow Seattle Fund ($8 million)For small- to medium-sized businesses that need capital to grow, OED has a $8 million Grow Seattle Fund, which is a partnership between the City, the National Development Council's Grow America Fund and the Seattle Foundation. The Grow Seattle Fund offers long-term, below-market rate financing for growing small businesses. Loans finance a broad range of business needs such as working capital, machinery and equipment purchases, tenant improvements and real estate acquisition. With flexible underwriting and low interest rates, each loan can be customized to complement individual businesses' financing needs. Financing ranges from $100,000 - $5,000,000. It is most appropriate for businesses with a profitable operating history of at least two years, capacity to service the proposed debt, and collateral. Grow Seattle Fund flyers are available in English, Spanish, Chinese, Vietnamese, and Somali. Energy EfficiencyOED offers businesses low interest loans for installing energy efficient improvements that can be paired with Seattle City Light rebates. This package of financial incentives will encourage businesses to make improvements that will enhance their cash flow through energy saving. Click here to download a flyer about Energy Efficiency Financing for Grocery Stores. New Markets Tax Credits (NMTCs)OOED is an eligible recipient of federal New Markets Tax Credits used to attract low-cost private financing for business and real estate projects in low-income areas. In the past three years, we have financed $51 million in tax credits with such projects. Visit www.seattleinvestmentfund.com to learn about the investment criteria of geographic eligibility, project readiness and public benefits, view video application tutorials, and download an application. Financing ranges from $5 million to $20 million per project. Click here for a Question and Answer fact sheet about New Markets Tax Credits. Contact AJ Cari at firstname.lastname@example.com or at (206) 684-0133 for more information. Loan ProgramsCommunity Development Loan ProgramThe Office of Economic Development's Community Development Loan Program provides low-rate loans to large projects that meet federal eligibility criteria and the program's national objectives under federal block grant guidelines. Funding may be available for construction bridge financing, low-income housing development projects and site acquisition through Section 108 Loans and Float Loans.
Rainier Valley Community Development FundThe Rainier Valley Community Development Fund (RVCDF) is a self-sustaining, community controlled financial institution that preserves and strengthens cultural diversity, long-term livability, and economic opportunity for Rainier Valley residents, businesses and institutions. The Office of Economic Development, in partnership with Sound Transit and the Rainier Valley community, helped to establish the RVCDF and provides ongoing support of its activities. Community Capital DevelopmentCommunity Capital Development (CCD) provides technical and financial assistance, business development and expansion services, and policy advice to women, minority and low-income entrepreneurs that might otherwise have difficulty obtaining conventional bank financing. CCD provides small business loans through the Seattle Economic Development Fund (SEDF). Craft3Craft3 offers small business loans and technical assistance to low-income entrepreneurs and businesses that create family wage jobs in low-income communities. Alliance of AngelsThe Alliance of Angels is a regionally-focused group of individual investors and representatives of investment corporations that acts as a "matchmaker" for young technology companies and interested investors. U.S. Small Business AdministrationWashington's district office of the U.S. Small Business Administration (SBA) offers small business financing assistance, including loans, equity financing, and surety bond. Washington CASHWashington CASH provides training and lending services for low-income women, people with disabilities, immigrants and other low-income individuals to help them start or expand their own business. Tax IncentivesThe City of Seattle prioritizes long term economic development planning that promotes job growth, attracts new businesses, and helps existing businesses expand and grow profitably. To support the efforts of OED, Washington State offers a number of flexible business incentive programs. These programs include a wide variety of industries, including aerospace, renewable energy, high technology, and more.
For additional funding assistance contact: |
Business Owners | Business Districts | Key Industries | News & Resources |


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Ixabepilone/Strong CYP3A4 Inhibitors
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:
Serious. These medicines may interact and cause very harmful effects. Contact your healthcare professional (e.g. doctor or pharmacist) for more information.
How the interaction occurs:
Some medicines may slow down how quickly your liver processes ixabepilone.
What might happen:
The amount of ixabepilone in your blood may increase and cause more side effects than normally expected.
What you should do about this interaction:
Make sure your healthcare professionals (e.g. doctor or pharmacist) know that you are taking these medicines together. Your doctor may want to adjust the dose of your ixabepilone during and for one week after you stop taking your other medicine. Your doctor may want to check the amounts of cells in your blood more often while you are taking these medicines together. Be sure to keep all of your laboratory appointments. Let your doctor know right away if you develop numbness/tingling/burning of the hands or feet; if you have any signs of infections such as fever, chills, cough, or burning/pain when you urinate; or signs of heart problems such as chest pain, difficulty breathing, palpitations, or unusual weight gain.Your healthcare professionals may already be aware of this interaction and may be monitoring you for it. Do not start, stop, or change the dosage of any medicine before checking with them first.
1.Ixempra (ixabepilone) US prescribing information. Bristol-Myers Squibb Company October, 2011.
2.US Food and Drug Administration (FDA). Drug Development and Drug Interactions: Table of Substrates, Inhibitors and Inducers. Available at: http://www.fda.gov/Drugs/DevelopmentApprovalProcess/DevelopmentResources/D rugInteractionsLabeling/ucm093664.htm. Updated 08/05/2011.


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Schedule TBA
©2015 Belle-Clair Speedway All rights reserved
"BUD SELECT 40" for the UMP Kettler and Sons Super Late Models $1500 to WIN!
Plus Modifieds, Sportsman, Pure Stocks & Pro 4's Come check out the Great Racing!
The Pick 3 is $400 this week after a donation in the honor of The Talker Guy!
Don't miss the T-Shirt girls tossing out free shirts!
Adults only $12 Kids 12 & under FREE as always!
Gates Open at 5 pm Hot Laps 6:20 pm Racing 7:00 pm Follow us on Facebook for instant information and ticket giveaways!
MyRacePassTM is your ticket to the online motorsports world. Tired of having to remember your username and password for countless different racing websites? MRP is a globally recognized login across a vast network of motorsports websites (including this site). Having your "MyRacePass" account will handle your username, password, profile picture, and all account information for any website on the network. You will be notified of updates to the network as it continues to grow. We thank you for being a part of this ground-breaking motorsports online experience.


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Jul, 2010
POSIX signals have a long history and at least a couple unpleasant limitations. For one thing, with some threading implementations (those with fewer processes than threads) you can't reliably target a specific thread as a signal recipient. However, luckily for me, that is not my problem. My problem is both organizational and technical. Signal masks are for an entire process, and that means that masking … Read More


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- I have seen bats only at dusk or later – so cool to see daylight bat photos from Jen and Rick @ Baranof Warm Springs. rickandjensblog.blogspot.com/2014/11/bats-i… 3 months ago
- Over 60 degrees before 8am; listening to a Red-winged Blackbird. Not what you expect from 2 May in Sitka, AK. 10 months ago
- Petrichor! 10 months ago
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Tag Archives: Spider
Sit Spot Challenge Day 12
See Sit Spot Challenge at Kamana.org for more about the challenge. Time of sit: 11:35pm-12:00am It was quiet in the neighborhood this evening. I was pretty drowsy and may have dozed off briefly a couple of times as I sat … Continue reading
28 May Photos: Spider and Walk to Totem Park
This entry is part 92 of 221 in the series 2007 Photojournal
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Tagged Callobius pictus, lichen, Sitka Alder, Spider, Totem Park
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La Vecchia Dispensa Balsamic 20yr - 100ml
Country of Origin: Italy
Region: Emilia-Romagna
City / Village: Modena
Since 1975, La Vecchia Dispensa in Modena, Italy has been producing some of the world's finest vinegar. This beautiful balsamic has been aged in a variety of traditional wooden barrels to obtain a density of 1.29 kg/liter and a superbly complex flavor. This "condimento" is packaged in a delicate 100ml bottle and has a sweet, thick and full flavor with notes of ripe figs.
For more information, please follow our education link http://www.formaggiokitchen.com/education/balsamic_vinegar
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La Vecchia Dispensa Balsamic 20yr - 100ml Product ID: 00348 |
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PT student's idea takes off with the help of the School of Business and the Business Idea Competition.
Students study how zebrafish react to anxiety triggers in hopes of finding better treatments.
Ithaca College hosts a big event to celebrate the end of each school year. And each year, the event planners used to buy hundreds of plastic disposable water bottles to hand out — until Leonard Slutsky '14 came along.
Using environmental and architectural roots grown at IC, Andreas Jonathan '14 will help build the sustainable cities of tomorrow.
Are you a prospective student with college planning questions? Then myIthaca has got you covered.
Sign-Up Learn MoreFuse is a student produced publication about the Ithaca College experience. All content in the print and web versions of Fuse is developed by current Ithaca College students in a breadth of different areas of study.


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Barnier Caramel Lollipop - 200pc bag
Country of Origin: France
Region: Brittany
Perfect to give out for Halloween, or as wedding/ party favors. This is a unique caramel lollipop with a touch of fleur de sel made in Brittany, France by Bon Bons Barnier.
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Last Modified: February 24, 2008
Dear OncoLink "Ask The Experts,"
My 10-year-old Basset hound has been having some problems with lameness in her left front leg for about 3 weeks. An x-ray of the leg showed no bony changes or evidence of arthritis or tumors. After some testing, my vet is inclined to think she has a brachial plexus tumor, as does the surgeon with whom he consulted. Is there anything at all that can be done for this condition?
Lili Duda, VMD, Section Editor of the OncoLink Veterinary Oncology Menu, responds:
The first step in treating any potential tumor is to first locate the tumor, and second to obtain a biopsy sample to determine the specific tumor type. For presumptive brachial plexus tumors, MRI is the imaging modality of choice, as it can provide excellent soft tissue detail and help guide the surgeon to either do a biopsy or remove the tumor. A CT scan is also a good imaging choice if MRI is not available.
For tumors of the brachial plexus, complete surgical removal requires amputation of the foreleg. Depending on the type and aggressiveness of the tumor, complete surgical removal can provide long term control. If the surgical removal was not complete, radiation therapy can be effective in control of residual tumor.
For tumors that are inoperable (for whatever reason), radiation therapy can provide significant alleviation of symptoms such as pain. Conservative management consists of aggressive pain management, which includes combining a variety of pain medications that work through different pathways to help keep the dog as comfortable as possible.
Apr 28, 2010 - Continuous heavy smoking may speed up the age-associated progression of structural stiffening of large- to mid-sized arteries, and there is a dose-response relationship between consumption of cigarettes and accelerated arterial stiffening, according to a study in the May 4 issue of the Journal of the American College of Cardiology.


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quote:Well, they charge the most to vendors as far a processing fees go, so frick those guys.
quote:I've been told these are the best cards to use if you're going to have a charge card or credit card.
quote:Who told you that? The people at American Express?
quote:Just wondering if it was worth it cause I could filter everything through that card. Get travel points. Profit.
quote:I don't really know what makes them so special,
quote:e Dela Platinum made sense because a) we usually fly delta, b) bag fees waives, and c) using buy one get one free we always book a flight more than the $150 annual fee would have been. Like a $300 flight to NYC.
quote:No fee for the first year which is what drew me to it. There seems to be triple points on groceries and gas which is where I'll be racking up points.
quote:I don't travel so much so that sucks but hell
quote: i easily drink $500 in drinks in the few times i do a year. free bags is nice too


text: Searching for Rehoboth Beach hotels? You have found the #1 rated of all Rehoboth Beach Delaware hotels on Tripadvisor. Stay with us and experience why we are rated the best of all Rehoboth Beach hotels on Tripadvisor. The Avenue Inn and Spa in Rehoboth Beach takes pride in its 'Feel at home atmosphere' and offers a unique combination of friendliness and charm. Our Rehoboth Beach Inn features an extensive breakfast while afternoons include a complimentary wine and cheese served in the lobby followed by fresh baked cookies in the evening. The Avenue Inn in beautiful Rehoboth Beach Delaware is the most conveniently located of all hotels in Rehoboth Beach. Located one block from the boardwalk and sands of our famous beach. All downtown shops, restaurants, and churches in Rehoboth Beach are within walking distance of our hotel.


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Drug Notes
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Knowing your body and the symptoms that tell you your heart failure is getting worse will help you stay healthier and out of the hospital. At home, you should watch for changes in your:
When watching out for warning signs, you can catch problems before they get too serious. Sometimes these simple checks will remind you that you forgot to take a pill, or that you have been drinking too much fluid or eating too much salt.
Be sure to write down the results of your home self-checks so that you can share them with your health care provider. Your doctor's office may have a "telemonitor," a device you can use to send your information automatically. A nurse will go over your self-check results with you in a regular (sometimes weekly) phone call.
Throughout the day, ask yourself:
These are signs that there is too much fluid building up in your body. You will need to learn how to limit your fluids and salt intake to prevent these things from happening.
You will get to know what weight is right for you. Weighing yourself will help you know if there is too much fluid in your body. You might also find that your clothes and shoes are feeling tighter than normal when there is too much fluid in your body.
Weigh yourself every morning on the same scale when you get up -- before you eat and after you use the bathroom. Make sure you are wearing similar clothing each time you weigh yourself. Write down your weight every day on a chart so that you can keep track of it.
Call your health care provider if your weight goes up by more than 3 pounds in a day or 5 pounds in a week. Also call your health care provider if you lose a lot of weight.
Know what your normal pulse rate is. Your health care provider will tell you what yours should be.
You can take your pulse in the wrist area below the base of your thumb. Use your index and third fingers of your other hand to find your pulse. Use a second hand and count the number of beats for 30 seconds. Then double that number. That is your pulse.
Your health care provider may give you special equipment to check your heart rate.
Your health care provider may ask you to keep track of your blood pressure at home. Make sure you get a good quality, well-fitting home device. Show it to your doctor or nurse. It will probably have a cuff with a stethoscope or a digital readout.
Practice with your provider to make sure you are taking your blood pressure correctly.
Call your health care provider if:
Januzi JL, Mann DL. Clinical assessment of heart failure. In: Mann DL, Zipes DP, Libby P, et al. eds. Braunwald's Heart Disease: A Textbook of Cardiovascular Medicine. 10th ed. Philadelphia, PA: Elsevier Saunders; 2014:chap 23.
Jessup M, Abraham WT, Casey DE, Feldman AM, Francis GS, Ganiats TG, et al. 2009 focused update: ACCF/AHA Guidelines for the Diagnosis and Management of Heart Failure in Adults: a report of the American College of Cardiology Foundation/American Heart Association Task Force on Practice Guidelines: developed in collaboration with the International Society for Heart and Lung Transplantation. Circulation. 2009 Apr 14;119(14):1977-2016. Epub 2009 Mar 26.
Mant J, Al-Mohammad A, Swain S, Laramée P; Guideline Development Group. Management of chronic heart failure in adults: synopsis of the National Institute for Health and Clinical Excellence guideline. Ann Intern Med. 2011 Aug16;155(4):252-9.
Riegel B, Moser DK, Anker SD, Appel LJ, Dunbar SB, Grady KL, Gurvitz MZ, Havranek EP, Lee CS, Lindenfeld J, Peterson PN, Pressler SJ, Schocken DD, Whellan DJ; American Heart Association Council on Cardiovascular Nursing; American Heart Association Council on Cardiovascular Nursing; American Heart Association Council on Clinical Cardiology; American Heart Association Council on Nutrition, Physical Activity, and Metabolism; American Heart Association Interdisciplinary Council on Quality of Care and Outcomes Research. State of the science: promoting self-care in persons with heart failure: a scientific statement from the American Heart Association. Circulation. 2009 Sep 22;120(12):1141-63.
Yancy CW, Jessup M, Bozkurt B, Butler J, Casey DE Jr, Drazner MH, et al. 2013 ACCF/AHA guideline for the management of heart failure: a report of the American College of Cardiology Foundation/American Heart Association Task Force on practice guidelines. Circulation. 2013 Oct 15;128(16):e240-327. Epub 2013 Jun 5.
Michael A. Chen, MD, PhD, Associate Professor of Medicine, Division of Cardiology, Harborview Medical Center, University of Washington Medical School, Seattle, WA. Also reviewed by David Zieve, MD, MHA, Isla Ogilvie, PhD, and the A.D.A.M. Editorial team.
For help in finding a doctor or health service that suits your needs, call the UPMC Referral Service at 412-647-UPMC (8762) or 1-800-533-UPMC (8762). Select option 1.
UPMC is an equal opportunity employer. UPMC policy prohibits discrimination or harassment on the basis of race, color, religion, ancestry, national origin, age, sex, genetics, sexual orientation, gender identity, marital status, familial status, disability, veteran status, or any other legally protected group status. Further, UPMC will continue to support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity. This policy applies to admissions, employment, and access to and treatment in UPMC programs and activities. This commitment is made by UPMC in accordance with federal, state, and/or local laws and regulations.
Medical information made available on UPMC.com is not intended to be used as a substitute for professional medical advice, diagnosis, or treatment. You should not rely entirely on this information for your health care needs. Ask your own doctor or health care provider any specific medical questions that you have. Further, UPMC.com is not a tool to be used in the case of an emergency. If an emergency arises, you should seek appropriate emergency medical services.
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You Can Watch The Debate Like It's A Choose Your Own Adventure
A pretty neat video that makes the final presidential debate interactive. Watch what you want, skip the rest. Powered by Bedrocket-Interlude.
A pretty neat video that makes the final presidential debate interactive. Watch what you want, skip the rest. Powered by Bedrocket-Interlude.
Even Donald Trump managed to be funny about how dull it was.
Two moderators provoked lively, interesting debates this cycle. Two did not.
Horses and bayonets! Plus a little bit of Battleship thrown in.
Another debate, another move to the middle — this time on foreign policy. "We can't kill our way out of this mess."
A moment of sweetness and comity following a rancorous debate. Miles Romney is a perfect little gentleman.
The best quips, 140 characters at a time.
George W. Who? Forgetting the neocons, Romney slides to the center in the final debate.
Or anyone else for that matter.
This is it people, the last live-GIF'd debate until 2016!
The West African country — likely obscure to most watching the foreign policy debate — just entered the national conversation.
It made her very nervous. "@billmaher… would you please DM me?"
Remember this guy?
Even snappier than The '80s Are Calling. In response to Mitt Romney criticizing the president for allowing the Navy to have too few ships.
Tries to disarm Romney attack that he's weak on Israel.
Following the hottest pink coincidence of the last decade, Michelle and Ann evidently received different fashion memos before Monday night's debate.
From the Boca Raton debate on foreign policy.
And thus far the most exciting moment of the Boca Raton debate. President Obama drops an "oh snap" in regards to Mitt Romney labeling Russia a primary global adversary.
I asked college students at Lynn University to write on a piece of paper what they want to happen in the next 4 years. Spoiler: they want JOBS (and legal weed.)
Says Romney still wants troops still in Iraq and is "all over the map" on nearly everything else.
The Republican nominee says the U.S. needs a coherent strategy to disincentives radicalism — not just drone attacks.
I asked 25 college students at Lynn University to say ONE genuinely good thing about the person they're voting against. Politics doesn't have to be so mean after all.
I asked 25 college students at Lynn University to say ONE genuinely good thing about the person they're voting against. Politics doesn't have to be so mean after all.
Elated in Boca. "The media is always rooting for drama," says Costa.
This is how they celebrate democracy down at Lynn University in Boca Raton. Photographed today within a water noodle's distance of the hall where Romney and Obama will debate foreign policy.
Chris Matthews gives lucky 18 year olds the Hardball treatment.
A promise from the 2008 foreign policy Romney might use to attack the President tonight.
The 20-year-old "old soul" was the unexpected star of Tuesday's presidential debate — and despite the flood of well wishes, he's never had any trouble with the ladies. His little sister translates the internet: "IM FAMOUS HES FAMOUS WERE ALL FAMOUS."
Make a very sober discussion about foreign policy very unsober! Obama and Romney square off in their third and final presidential debate. Let's make sure it's one to not remember! Pourin' policy debate!
"I feel like I'm on MTV Spring Break, you know what I mean?" Still raging.


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Nature's Sleep™ Visco Foam Contour Pillow - Small
Nature's Sleep Temperature Sensitive Visco Memory Foam Pillow gently conforms to the contours of the head and neck which is essential for proper spinal alignment. This pillow is ideal for those sleepers who are looking for an ergonomic contour design with pressure-relieving, supportive comfort. It is naturally hypoallergenic, anti-microbial, anti-bacterial and dust mite resistant. The luxuriously smooth velour outer cover is removable and washable for easy care.
Assembled Country
Assembled Size
Small Contour (20" x 12" x 4/3")
Component Country
Ask & Answer
Shipping Information
Shipping Included
Warranty Information
3 year limitedFTC law prohibits the return of pillows. If pillows are deemed defective, warranty rules apply.
There is no additional information available for this item.


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Credit: Getty Images
SCHILLER PARK, IL - NOVEMBER 15: A sign hangs on the Hostess Brands bakery on November 15, 2012 in Schiller Park, Illinois. Workers with the Bakery, Confectionery, Tobacco Workers and Grain Millers International Union at the facility have walked off the job. They are not allowed by their contract to strike so they walked off their jobs in a show of support for striking workers at other Hostess facilities. Hostess Brands Inc. has warned striking employees that it will move to liquidate the company if plant operations don?t return to normal levels this afternoon. (Photo by Scott Olson/Getty Images)


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ATTENTION: Carry Over Stock Car/HulaCross Event - April 21st
Written by Administrator Sunday, 14 April 2013 21:06
Attention Stock Car & HulaCross Competitors!
Due to the rainout during today's April 14th Stock Car & HulaCross event, we will carry over the entire event to April 21st's MotoCross event. All competitors who attended today's event will have their run-card waived. The normal spectator fee will be charged. The event will continue from where we left off. Remember, we will be running Stock Car, HulaCross, & MotoCross. This event is optional and not mandatory for Stock Car and HulaCross. You have already received 25 points for your attendance on April 14th.
Gates will open at 7AM. It is absolutely critical that everyone arrive on-time and be registered BEFORE 10AM. Registration will close at 10AM.
If you have any questions or concerns, please contact us at (808) 782-7432. Mahalo for your patience and understanding during this rainy period...the weather is simply out of our control. We hope to see all of you on April 21st!


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Calek wrote:What the heck does Jenna Louise Coleman think she's doing?
Warbear wrote:What is wrong with you?
Unlimited wrote: The episode about Dinos was such a load of crap! It didn't even go anywhere! What a bag of BAD.
Blood Lord wrote: It could be an improvement to rid the series. :D
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Daisy Petal Canopy
No longer available
- Overview
Tucked under our pretty daisy canopy, your child will feel like she's sleeping in a fairytale garden.
- 18" diameter, 122" long
- Percale petals open up to yards of airy tulle.
- Canopy ties back with satin ribbons.
- Cord cover is green velvet.
- Hanging line included.
- Internet / Retail only.
- Dimensions & Care
- Expertly crafted of PVC frame with rayon petals and draped polyester tulle.
- Overall: 18" diameter, 122" long
- Hangs 18" from ceiling.
- Length of panels from flower frame to floor: 96"
- Dry-clean.
- Shipping Info
Please allow 5-7 business days for delivery. Delivery estimate includes monogrammed and gift-wrapped items.
To confirm delivery time frames in your area, please call 800.993.4923.


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amiGOs KL Guesthouse
amiGOs KL, A friendly guest house in the lightening capital city. Located exactly behind the TIMES SQUARE shopping mall (in Golden triangle) and are less than 2 minutes walk from the IMBI MONORAIL STATION and 10 minutes walk from the HANG TUAH LRT station. We offer en-suite and shared room categories and promise clean, comfortable and hygienic room to make your stay the best. All our rooms are windowed, air-conditioned, spacious and odorless. No Curfew Non Smoking Rooms Rooms are Windowed Designated smoking area Check In and Out 13:00 hours onwards & by 12:00 hours Cancellation and Payment Cancellation / Prepayment vary by room type. Please enter the dates of your stay and check the conditions of your required room. Children and Beds Children up to 8 years STAY FREE of charge when using existing beds. Extra beds are available upon a small fee. Pets Pets are not allowed. Payment Terms VISA, EURO/ MASTER and CASH |
Availability & Rates
To view availability and prices please select dates and click 'Update Dates'Hostel Facilities & Policies
- 24 hour reception
- Air Conditioning
- Book exchange
- Breakfast Included
- Cable TV
- Child Friendly
- DVDs
- Free City Maps
- Free Internet Access
- Free Parking
- Free Wifi
- Hair Dryers
- House Keeping
- Internet Access
- Kitchen
- Laundry Facilities
- Luggage Storage
- Outdoor Terrace
- Parking
- Safety Deposit Box
- Taxes included
- Tea/Coffee Making Facilities
- Towels Included
Cancellation Policy
This property has a 1 day cancellation policy. Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay.Must-Read Hostel Info
This property has specific Terms & Conditions.In and Out:
13:00 & 12:00 hours
Until 12:00 hours
Cancellation and prepayment policies vary by room type. Please enter the dates of your stay and check the conditions of your required room.
Children and extra beds
Free! Up to two children under 4 years stay free of charge when using existing beds.
There is no capacity for extra beds/cots in the room.
Pets are allowed. Charges may be applicable.
Accepted credit cards are Visa, Euro/Mastercard
DirectionsShow MapHide Map
Please take note that the fastest way to amiGOs KL from KLIA is to hop on the KLIA Express train to KL Sentral terminal (ticket costs RM 35.00).
1. From KL Sentral hop on the monorail to IMBI MONORAIL Station (ticket costs RM 1.60).
2. Once there, take the Times Square exit (which is the huge brown building on your right hand side as you are coming in by monorail to Imbi station) followed by the stairs down to Times Square Hotel entrance.
3. You will be able to see Bistro 69 and Orkid Hotel across the road i.e. Lorong 1/77A. Walk straight downhill along Lorong 1/77A and look out for a display board showing amiGOs KL.
PS: We are located right next to Hotel Mercury.
Hop on SKY BUS (ticket costs RM 10.00) to KL Sentral terminal
(Please refer to the above for directions by taxi and monorail to amiGOs KL).
just walk along Jalan Pudu towards Jalan Imbi. Cross Jalan Imbi and take the first left (Lorong 1/77A) towards Times Square shopping mall. Take the second right and Keep walking down along Lorong 1/77A and look out for house number 70 on the right side of the road. Please note that the distance from Puduraya Bus Station to amiGOs KL is approximately 1.2 km and walking is only recommended if you do not have heavy luggage.
Located Near
2 minutes walk from the IMBI MONORAIL STATION.
10 minutes walk from the HANG TUAH LRT station.
KL's most famous sight seeing attractions are located near to our guest house.
We are located in Golden Triangle.


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Average Statistics
Caucasian Hispanic African American Asian Native American Other
Management Sales Labor Construction Farming Other
Albuquerque is the largest city in the state of New Mexico, United States. It is the county seat of Bernalillo County and is situated in the central part of the state, straddling the Rio Grande. The city population was 545,852 as of the 2010 Census and ranks as the 32nd-largest city in the U.S. As of June 2007, the city was the sixth fastest-growing in America. It has a metropolitan population of 907,775 as of 2011. Albuquerque is the 57th-largest United States metropolitan area. The Albuquerque MSA population includes the city of Rio Rancho. Roughly half the people in New Mexico live in the Albuquerque area. Albuquerque is home to the University of New Mexico (UNM), Kirtland Air Force Base, Sandia National Laboratories, Lovelace Respiratory Research Institute, and Petroglyph National Monument, and is the seat of the Episcopal Diocese of the Rio Grande. The Sandia Mountains run along the eastern side of Albuquerque, and the Rio Grande flows through the city, north to south. [more on Wikipedia]


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We're pleased to announce we're currently working on an improved Manage My Booking tool. Therefore the access to the tool is for the moment limited to:
In case you want to use Plusgrade on your flight, please click here.
In case you want to change/cancel your flight, request a special meal, add your frequent flyer number or change your contact info, we kindly ask you to contact our Service Centre.
Online check-in
(expectant mothers, children travelling alone, passengers in need of medical assistance, etc.)
For groups from 10 persons, please book via our group bookings department
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Check all airport details, including lounge, ticketing office & transport info.
Wrap up warm and take a bracing walk on the wild western side of the Algarve. Explore the bays between Lagos and Sagres and witness the tremendous power of the Atlantic. There are plenty of tiny bars and cafes to warm up in along the way.
Be sure to stop in Aljezur, a mecca for surfers. Caldas de Monchique is a tiny village midway up the mountain of Foia, the highest point in the Algarve. It's the source of Monchique mineral water and you can see the production centre in action. If you're peckish, be sure to sample the bread - the village bar staff bake it in a communal outdoor oven.
Continue up Foia to enjoy lunch in one of the famous piri-piri restaurants - the views are spectacular. Tavira in the eastern Algarve is an appealing combination of attractive 18th century houses and bustling shopping streets. Bargain hunters should look out for painted tiles, lace tablecloths, snug sheepskin slippers and shell art. There is also a handicraft market on the waterfront.


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Customer Reviews for On Sale Large Windows Faux Wood Solids
"good purchase"
By Dottie from Ashville NY
They were very easy to put, hardest thing was finding a stud the end brackets would screw into, so check, I didn't and my space was limited. I could have saved an extra piece. Made a big change in our patio/sun porch entrance. They close up tight and pull easy.
View this product"Another good choice"
By Frolic from California
After having good luck with our master bedroom we saw another sale with Blindsgalore and could not resist having blinds made for master bathroom and dining room windows. We now have three rooms in beautiful faux wood verticals and will complete the rest of the house to match. I do recommend Blindsgalore.
View this product


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Honorable Mention
Buttons are of all time, all people and all places. It is about daily life, strength, warmth and connection.
We thought of the button as the best wearable accessory to communicate a small, simple and kind gesture with.
For this competition we propose a special button. A circle of holes in the button makes it possible to create a pattern. Connect the dots with a thread and the pattern, which has a relation to the Japanese flag and the earthquake, becomes visible.
The product will express 'I'm with you' in different ways:
1. it invites you to do something: First of all it asks you to do something with care. Ideally the button will be sold on a card showing you the message 'I'm with you' and a red thread and needle which invite you to create the pattern yourself. On the back of the card will be a drawing of a finished pattern.
2. it stimulates conversation: You can wear it in combination with the normal buttons on your clothes. Maybe you pick the top button of your coat to be this special button. The odd button will stand out against the normal ones so big chance people will start asking about it.
3. seeing possibilities when time goes on: The button will remind you of your support for Japan. Maybe when time goes on you will choose to change the red thread for another color. Better to use it in a different way then to throw it away.
We see the buttons being made out of ceramics or wood. Materials that are warm and express value. Preferably no plastics.


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harsh winds, raving waves and at least numerous tiny baitfishes. I´m standing on a boat - searching for the big Bang on my weigth 8. There it is... about 100feet away from me the water starts boiling - Albacores.... a lot of AlbacoresSouth coast of Croatia Submitted by: Stephan Dombaj
Viewed 6674 times. Rated Rated Excellent (4.8) with 34 votes.


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As long as we're talking bacon, I have always been one who loved to cook bacon on very low heat in a fry pan, gently flipping it several times to assure even cooking and a nice crispy end product. After years of resisting, I have finally started to cook my bacon in the oven on a flat cookie sheet. Man, did I ever waste a lot of time manning a frypan full of bacon over the years. I am a convert to cooking in the oven!
Craig and other bacon lovers may want to pick up a pair of these at what appears to be closeout prices:http://www.PublicKitchenSupply.com/p-6548-mozo-mens-bacon-n-eggs-sharkz-shoes.aspxMore info at http://www.restaurantnews.com/fun-chef-shoes-in-style-and-comfort-eggs-n-bacon-style/?utm_source=August+23%2C+2013&utm_campaign=082313&utm_medium=emailPeter
..Man, did I ever waste a lot of time manning a frypan full of bacon over the years. I am a convert to cooking in the oven!
The perfect footware to go to the All Bacon Restauranthttp://www.huffingtonpost.com/2013/08/22/burkes-bacon-bar_n_3797455.htmlBurke's Bacon Bar, New Chicago Restaurant, Serves Only Sandwiches With Bacon In ThemPerry
Am I the only one, other than the our vegetarian friend, that thinks the bacon is horribly burnt on that chicken? I love bacon, but at first glance thought it was a waste of good chicken and bacon. I know, I know, no such thing as too much bacon.jb
What chicken?


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What is the best way to make my ears pop when landing on a plane? The hold-your-nose-and-pitch method is very painful; are there any other methods to pop ears?
While a full yawn is best, simulating the movement your jaw makes in a yawn is enough to pop your ears (and often simulating a yawn makes a real one happen anyway) If you have a cold, or if you let the pressure build up a lot it can be difficult to get the eustachian tubes to open, so in those instances I hold my nose, close my mouth and gently try and blow. This is one you want to try gently, as blowing too hard could actually damage your ear drums, so practice doing it with relaxed cheeks (almost as if you were playing a trumpet.) You can also just try one eardrum at a time, which can make this easier and safer. |
Well personally, I find a yawn is by far the easiest and least painful way of inducing the so-called 'pop'. From Wikipedia: |
For prevention, I suggest chewing imaginary gum. Just do exactly what you would do if you had remembered to put gum in your mouth as descent started. Once I'm in pain (eg I wake up from it, which has happened), I do the Valsava - pinch your nose shut and do just what you'd do to blow your nose. It's up to you how hard you "blow" - start gentle and work up if it's not working. You can feel the pressure equalize and the pain stops. If you'd rather yawn, it might help to know it's a very contagious word. Most people will scratch themselves if someone else does, or if someone says the word itchy, or just from reading the word itchy (my doctor told me they were actually trained how to ask someone "does it itch?" without scratching themselves.) Yawn is a little less contagious so just reading it might not do the trick, but saying it aloud should work. Failing that, fake a yawn to infect someone near you - their real yawn should trigger one for you. Update: today I am flying with perhaps the worst cold I have ever had. It is certainly the worst I have flown with. I needed to break out the big guns when it came to clearing one if my ears. As a result I can add two more techniques to this answer. First, especially if you have a cold, full-on blow your nose. This helped a lot. Second, massage the area under your ear (the end of your jaw) with the opposite hand. Move your ear up and down on your head. Combine this with chewing that imaginary gum and swallowing (I had a bottle of water with me) and the ear will clear eventually. Don't give up, keep working at it. |
I have had ear difficulties since I was a baby, and was inflicted with many earaches as a youngster. My ears feel pressure very easily. If I do not aggressively pop my ears during a plane ride, I will have an earache by the second flight of the day. Here my ear-popping mechanisms, with the easiest-to-do-without-practice listed first:
Earaches are awful. Some of the worst pain I've experienced in my life was caused by ear pressure. Whatever you do, don't do nothing. Don't wait until the pain wakes you up to start relieving the pressure. Start using any of these techniques (they all do work) as soon as you feel any pressure in your ears, at any time during the flight. It's a lot easier to keep your head (ears?) above water if you can stop the pressure from escalating. |
Earplugs. There are many brands, they're cheap and after you've put them in you don't need to worry about doing any facial contortions since they help to automatically relieve pressure. Also obviously cuts back on aircraft engine noise and the sound of yet another excitable/crying child. |
protected by Mark Mayo Jan 29 '13 at 17:31
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Rita J. Valentino, Ph.D.
Research Professor of Anesthesiology and Critical Care
Department: Anesthesiology and Critical Care
Graduate Group Affiliations
Contact information
Children's Hospital of Philadelphia
3615 Civic Center Blvd.
Abramson Bldg., 402C
Philadelphia, PA 19104
3615 Civic Center Blvd.
Abramson Bldg., 402C
Philadelphia, PA 19104
Office: 215-590-0650
Fax: 215-590-3364
Lab: 215-590-0654
Fax: 215-590-3364
Lab: 215-590-0654
B.S. (Highest Distinction (Pharmacy) )
University of Rhode Island , 1975.
Ph.D. (Pharmacology)
University of Michigan , 1980.
Permanent linkB.S. (Highest Distinction (Pharmacy) )
University of Rhode Island , 1975.
Ph.D. (Pharmacology)
University of Michigan , 1980.
Description of Research Expertise
RESEARCH INTERESTSMechanisms of stress-induced plasticity; MechanismS of action of pscyhotherapeutic drugs; Central regulation of visceral functions; Functions of monoamine systems.
electrophysiology, functional neuroanatomy, behavior, pharmacology
I am investigating how stress leads to psychiatric and medical disorders. Specifically, my research centers on the stress-related neuropeptide, corticotropin-releasing factor (CRF). CRF targets and alters the activity of brain monoamine systems that have been implicated in depression and anxiety. We are studying how exposure to repeated stress or to a single severe stress produces long-term changes in the response of these neuronal systems to subsequent stressors. These changes may underlie some of the symptoms of a variety of stress-related medical and behavioral disorders, including attention disorders, anxiety, depression, substance abuse and functional bowel disorders.
An important aspect of my work involves treatment intervention, or determining how to manipulate the effects of CRF using drugs to prevent the long-term impact of severe or repeated stress.
We are also mapping out and studying neuronal circuits that link the brain and gastrointestinal tract. Using neuroanatomical and electrophysiological approaches we identified a neural circuit that is positioned to coregulate pelvic (bladder and colon) functions with cortical activity and thereby may underlie the comorbidity of colonic and psychiatric disorders. The pharmacological manipulation of components of this circuit may prove useful in treating incontinence as well as pelvic visceral disorders that are often accompanied by anxiety and depression.
Selected Publications
Chaijale, N.N., Snyder, K., Arner, J., Curtis, A.L. and Valentino, R.J.: Repeated social stress increases reward salience and impairs encoding of prediction by rat locus coeruleus neurons. Neuropsychopharmacology August 2014.Snyder, K.P., Barry, M. and Valentino, R.J.: Cognitive impact of social stress and coping strategy throughout development. Psychopharmacology June 2014.
Toth M, Gresack JE, Bangasser DA, Plona Z, Valentino RJ, Flandreau EI, Mansuy IM, Merlo-Pich E, Geyer MA, Risbrough VB. : Forebrain-Specific CRF Overproduction During Development is Sufficient to Induce Enduring Anxiety and Startle Abnormalities in Adult Mice. Neuropsychopharmacology 39: 1409-1419, December 2013.
Wood Susan K, McFadden Kile, Griffin Tagan, Wolfe John H, Zderic Stephen A, Valentino Rita J: A Corticotropin-releasing Factor Receptor Antagonist Improves Urodynamic Dysfunction Produced by Social Stress or Partial Bladder Outlet Obstruction in Rats. American Journal of Physiology. Regulatory, Integrative and Comparative Physiology Apr 2013.
Wood Susan K, Zhang Xiao-Yan, Reyes Beverly A S, Lee Catherine S, Van Bockstaele Elisabeth J, Valentino Rita J: Cellular Adaptations of Dorsal Raphe Serotonin Neurons Associated with the Development of Active Coping in Response to Social Stress. Biological Psychiatry 73: 1087-1094, Feb 2013.
Bangasser DA, Lee CS, Cook PA, Gee JC, Bhatnagar S, Valentino RJ.: Manganese-enhanced magnetic resonance imaging (MEMRI) reveals brain circuitry involved in responding to an acute novel stress in rats with a history of repeated social stress. Physiology and Behavior 122: 228-236, 2013.
Chaijale NN, Curtis AL, Wood SK, Zhang XY, Bhatnagar S, Reyes BA, Van Bockstaele EJ, Valentino RJ.: Social stress engages opioid regulation of locus coeruleus norepinephrine neurons and induces a state of cellular and physical opiate dependence. Neuropsychopharmacology 38: 1833-1843, 2013.
McFadden, K., Griffin, T.A., Levy, V., Wolfe, J.H., Valentino, R.J.: Overexpression of corticotropin-releasing factor in Barrington's nucleus neurons by adeno-associated viral transduction: effects on bladder function and behavior. European Journal of Neuroscience 36(10): 3356-3364, Nov 2012.
McGonagle, E., Smith, A., Butler, S., Silwoski, J., Valentino, R., Canning, D. and Zderic, S.A.: Water avoidance stress results in an altered voiding phenotype in male mice. Neurourol. Urodyn. 31(7): 1185-1189, Sept 2012.
Devilbiss, D.M., Waterhouse, B.D., Berridge, C.W., Valentino, R.J.: Corticotropin-Releasing Factor Acting at the Locus Coeruleus Disrupts Thalamic and Cortical Sensory-Evoked Responses. Neuropsychopharmacology 37(9): 2020-2030, Aug 2012.


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Serving Marana, AZ Real Estate & The Surrounding Areas
Marana, Arizona Real Estate
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As the premier real estate agents in Marana, we're here to provide you with all the resources and information you need to buy or sell real estate. We work with buyers and sellers in Marana, Oro Valley, Tucson, Green Valley, Sahuarita and the surrounding areas and have had extensive training in the latest real estate marketing strategies. We're confident that we can offer you knowledge and tools most other agents can't.
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