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Hand-printed lithograph from one stone and three ball-grained aluminum plates. Custom color separations performed in the artist's head, all technical processes performed by the artist. My color prints were strictly editioned for consistency, with a large percentage of the prints excluded from the numbered edition and either discarded or signed as Trial Proofs or Artist's Proofs.
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Lithograph by Barry Chern
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CLINTON, Tennessee – Fifty years ago, Bobby Cain and 11 other black students walked down a steep hill past hundreds of taunting, angry white people to Clinton High School.
Stepping inside, the group that became known as the "Clinton 12" made the public high school in this little mill town the first to be integrated by court order in the racially segregated southern U.S. on Aug. 27, 1956.
"It was very intimidating," said Cain, now 67 and living in Nashville. "People were calling us names and things. But you had to kind of keep a stoic face and hopefully not show any fear.
"But inside," Cain said, "I was afraid."
It had only been nine months since Rosa Parks, a black woman, had refused to give up her seat on a bus in Montgomery, Alabama. It would be another year before President Dwight D. Eisenhower would send federal troops into Little Rock, Arkansas, to desegregate Central High over the governor's objections.
Tennessee Governor Frank Clement, too, would send troops into Clinton, but it was to uphold the law, not defy it, at a time when blacks still couldn't eat at the lunch counter with whites and had to watch movies from theater balconies.
"Had we not stuck it out, had we not stayed, the whole South would have been put back a few years," said Gail Ann Upton, of Sweetwater, a 15-year-old junior in 1956.
The students and the city of Clinton, which today has fewer than 10,000 people and a black population less than 3 percent, not only survived but now take pride in the story.
On Thursday, the city will premiere a 90-minute documentary titled "The Clinton 12" narrated by James Earl Jones. Two days later, civil rights pioneer Congressman John Lewis, a Georgia Democrat, and Congressman Zach Wamp, a Tennessee Republican, will mark the 50th anniversary by opening a museum devoted to the event in a former all-black, two-room elementary school.
"We just felt like we have been a footnote in history" long enough, said city manager Steve Jones, 41, noting that Arkansas' "Little Rock Nine" were honored on a postage stamp in 2005 and received congressional medals in 1998 from President Bill Clinton.
Before the integration, black students had been bused to an all-black school in Knoxville, 20 miles (30 kilometers) east. Four black students were turned away when they tried to enroll at Clinton High as early as 1950, prompting a lawsuit by a group of citizens that was later joined by the National Association for the Advancement of Colored People.
Federal Judge Robert Taylor rejected the suit in 1952, saying the education in Knoxville was as good or better than in Clinton. But Taylor reversed himself after the Supreme Court struck down the separate-but-equal foundation of Jim Crow segregation two years later in Brown v. Board of Education. In January 1956 he ordered Clinton High desegregated by that fall.
Rabble-rousers, segregationists and the national media — including CBS legend Edward R. Murrow — swept in as the black students joined Clinton High's 800 white students, and the governor had to call in 600 national guardsmen to restore order.
"I want to tell you we were nervous," said Alfred Williams, now 68. "When this school integrated, you could see the hate in people."
Jones said the museum will tell two sides of the story — the white version, which tends to portray the black-white tensions as more severe outside school than inside, and the lesser-known black version, which saw the struggle as more constant.
"When we were in class, the teachers were nice and everything was sort of smooth in there," Upton said. "But once we got in the hallways, things were pretty rough. They would step on my heels and make them bleed and pull my hair and that type of thing."
Cain said the pressures became so great he walked out of school one day.
"I just couldn't take it anymore," he said. "But my mother and father talked to me that night. They said, 'You have to go back. If you drop out, you have been defeated.' So I went back."
The unrest stemming from Taylor's order climaxed on a Sunday in October 1958, when the high school was rocked by three massive explosions. No one was hurt, but the vandalism unified the community as parents, teachers and students — black and white — worked together to fix up a building in nearby Oak Ridge as a temporary home for Clinton's integrated student body.

subset: commoncrawl


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Part One of this year's Black Friday sales, featuring all the many bundles, games & DLC offered for Xbox One. These discounts are only available to Gold members until Tuesday 22nd, when they will be opened up to everyone.
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text: One of Darwin's biggest earthmoving companies 'Mark Cundall Earthmoving' had outgrown their current logo. They needed a fresh new professional brand that represented who they were and positioned them in the market exactly where they wanted to be. No Hands Design continues to work and produce more collateral for MCE. Here is some of the initial rebranding.


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There's little doubt in my mind that "business divorce" has achieved name recognition as a distinct subgenre of commercial litigation whose regular practitioners, by dint of experience dealing in and out of court with the many and varied legal and practical issues arising from dysfunctional family and non-family owned closely-held businesses, offer clients a level of expertise not shared by civil litigation generalists.
I like to think that my blog, in its tenth year and still chugging along, has contributed to the enhanced recognition along with the efforts of a small but growing cadre of fellow bloggers, contributors of articles in legal publications, and speakers at bar association programs and business valuation seminars.
Now, with the publication of a smartly constructed and well-written treatise called Litigating the Business Divorce (Bloomberg BNA 2016), the law practice of business divorce truly has come of age.
LBD, as I'll call it, is the fruit of a two-year project led by contributing editors Kurt Heyman and Melissa Donimirski in collaboration with an all-star cast of contributing authors. Kurt is a partner and Melissa a senior associate at the firm of Heyman Enerio Gattuso & Hirzel LLP in Wilmington, Delaware. Kurt, a seasoned business divorce litigator whom I've known for about ten years and whom I interviewed last year for my podcast, is a founding Co-Chair of the Business Divorce Subcommittee of the ABA Business Law Section, Business and Corporate Litigation Committee. Continue Reading Announcing Must-Have Treatise on Business Divorce Litigation


text: Bus Stop Feat. Carl Douglas - Kung Fu Fighting • Genre : Music Box, Billboard Charts • Year : 0 • Label : • On demand! (album available 128-320kbs)* #/by GROVER Release code: ODI81072 Added on 27-10-2014, 07:41 You want this album? link doesn't work? report us from your account! Release Info: Bus Stop Feat. Carl Douglas - Kung Fu Fighting Bus Stop Feat. Carl Douglas - Kung Fu FightingFormat: Vinyl, 12", 33 ? RPMCountry:SpainReleased:1998Genre:ElectronicStyle:Euro HouseTracklisting:Kung Fu Fighting (Radio Edit)Featuring - Carl DouglasKung Fu Fighting (Extended Version)Throw Those Hands UpChinese Sunset This album(s) is currently available for download only with a Premium account. To get a premium account, click here


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********A HUGE $7,000,000 PRICE IMPROVEMENT******From most prominent single lot in Newport Coast and hidden behind private gates offering a true 220 degree view of the Pacific Ocean, Catalina Island, Palos Verde, Newport Harbor, Pelican Hill Golf Course and city lights all the way to Los Angeles, this 7 bedroom, 11 bathroom Pelican Crest estate is reminiscent of Versailles and the Palladian palazzos of the Veneto yet equipped with all the luxurious conveniences that modernity and ingenuity can afford: Spa, Gym, Pool, 13 seat Movie Theatre, 1200+ bottle Wine Cellar, Bar Lounge, Recreation Room, Outdoor BBQ Pavilion, Fireside Lounging, 7 car garage, Commercial Elevator. The list of amenities is simply too long to adequately describe......
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Bibliographic Details
Title: Historia de Chile
Publisher: Editorial Universitaria
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|Publication number
|Publication type
|Application number
|Publication date
|Aug 30, 2011
|Filing date
|Dec 29, 2006
|Priority date
|Dec 29, 2006
|Fee status
|Also published as
|Publication number
|Abhinav Kala, Susana Sung-hye Kim, Subhra Shankar Purkayastha, Jill Zucker
|Original Assignee
|American Express Travel Related Services Company, Inc.
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (38), Non-Patent Citations (16), Referenced by (8), Classifications (12), Legal Events (2)
|External Links: USPTO, USPTO Assignment, Espacenet
1. Field of the Invention
This invention is related to marketing, specifically to targeting consumers to improve marketing.
2. Background Art
As the transactional card industry becomes more competitive, the average number of solicitation offers to customers has risen. This has resulted in declining response rates to offers across the industry. The traditional approach to solving the problem rests on econometric modeling. Typically banks offer a customer a product simply based on a particular credit profile using primarily internal credit performance data (for existing customers) or external credit bureau information. What is needed is a system and method for targeting customers that have a demonstrated need, allowing product offers to be made at the appropriate time and improving response rates for the offers.
Utilization of information in a closed loop data system further augments modeling while at the same time enabling customization of offers based on spend patterns. Data mining techniques are leveraged to identify rules to determine higher response rate populations. These rules are referred to herein as "triggers," in that the presence of particular attributes will trigger a cardholder as being more likely to respond to a particular offer. The benefit yielded by this approach is a greater acceptance rate to an offer provided by a transactional account company.
To identify the triggers, records of cardmembers who already utilize a given product are analyzed to determine their spend patterns. The spend histories of customers who are eligible to use the product are analyzed according to the identified triggers. Customers whose spend patterns most closely correspond to the triggers are then targeted with offers for the given product.
Further embodiments, features, and advantages of the present invention, as well as the structure and operation of the various embodiments of the present invention, are described in detail below with reference to the accompanying drawings.
The accompanying drawings, which are incorporated herein and form a part of the specification, illustrate the present invention and, together with the description, further serve to explain the principles of the invention and to enable a person skilled in the pertinent art to make and use the invention.
The present invention will be described with reference to the accompanying drawings. The drawing in which an element first appears is typically indicated by the leftmost digit(s) in the corresponding reference number.
While specific configurations and arrangements are discussed, it should be understood that this is done for illustrative purposes only. A person skilled in the pertinent art will recognize that other configurations and arrangements can be used without departing from the spirit and scope of the present invention. It will be apparent to a person skilled in the pertinent art that this invention can also be employed in a variety of other applications.
The terms "user," "end user," "consumer," "customer," "participant," and/or the plural form of these terms are used interchangeably throughout herein to refer to those persons or entities capable of accessing, using, being affected by and/or benefiting from the tool that the present invention provides for improving customer marketing.
Furthermore, the terms "business" or "merchant" may be used interchangeably with each other and shall mean any person, entity, distributor system, software and/or hardware that is a provider, broker and/or any other entity in the distribution chain of goods or services. For example, a merchant may be a grocery store, a retail store, a travel agency, a service provider, an on-line merchant or the like.
1. Transaction Accounts and Instrument
A "transaction account" as used herein refers to an account associated with an open account or a closed account system (as described below). The transaction account may exist in a physical or non-physical embodiment. For example, a transaction account may be distributed in non-physical embodiments such as an account number, frequent-flyer account, telephone calling account or the like. Furthermore, a physical embodiment of a transaction account may be distributed as a financial instrument.
A financial transaction instrument may be traditional plastic transaction cards, titanium-containing, or other metal-containing, transaction cards, clear and/or translucent transaction cards, foldable or otherwise unconventionally-sized transaction cards, radio-frequency enabled transaction cards, or other types of transaction cards, such as credit, charge, debit, pre-paid or stored-value cards, or any other like financial transaction instrument. A financial transaction instrument may also have electronic functionality provided by a network of electronic circuitry that is printed or otherwise incorporated onto or within the transaction instrument (and typically referred to as a "smart card"), or be a fob having a transponder and an RFID reader. The primary transaction instrument associated with a transaction account is typically referred to as a "basic" instrument, while additional instruments corresponding to the same account are typically referred to as "supplementary" instruments.
2. Open Versus Closed Cards
"Open cards" are financial transaction cards that are generally accepted at different merchants. Examples of open cards include the American Express�, Visa�, MasterCard� and Discover� cards, which may be used at many different retailers and other businesses. In contrast, "closed cards" are financial transaction cards that may be restricted to use in a particular store, a particular chain of stores or a collection of affiliated stores. One example of a closed card is a pre-paid gift card that may only be purchased at, and only be accepted at, a clothing retailer, such as The Gape store.
3. Stored Value Cards
Stored value cards are forms of transaction instruments associated with transaction accounts, wherein the stored value cards provide cash equivalent value that may be used within an existing payment/transaction infrastructure. Stored value cards are frequently referred to as gift, pre-paid or cash cards, in that money is deposited in the account associated with the card before use of the card is allowed. For example, if a customer deposits ten dollars of value into the account associated with the stored value card, the card may only be used for payments together totaling no more than ten dollars.
4. Use of Transaction Accounts
With regard to use of a transaction account, users may communicate with merchants in person (e.g., at the box office), telephonically, or electronically (e.g., from a user computer via the Internet). During the interaction, the merchant may offer goods and/or services to the user. The merchant may also offer the user the option of paying for the goods and/or services using any number of available transaction accounts. Furthermore, the transaction accounts may be used by the merchant as a form of identification of the user. The merchant may have a computing unit implemented in the form of a computer-server, although other implementations are possible.
In general, transaction accounts may be used for transactions between the user and merchant through any suitable communication means, such as, for example, a telephone network, intranet, the global, public Internet, a point of interaction device (e.g., a point of sale (POS) device, personal digital assistant (PDA), mobile telephone, kiosk, etc.), online communications, off-line communications, wireless communications, and/or the like.
Collaborative filtering is the process of computing personalized recommendations by finding users with similar tastes. When the product is a transactional card, cardmember shopping/spend data can be used to derive product affinity among cardmembers with similar shopping/spend behaviors so that cardmembers having the highest product affinity can be targeted with offers for that product. For example, cardmembers shopping at merchants with high conversion rates for a given product will be more likely to respond to an offer for that product.
A customer spend model can be developed using spend records of customers who converted to a different product (e.g., upgraded to a higher status transaction card). The spend records are analyzed to identify patterns of spending behavior that are common across a number of cardmembers. A "trigger" is identified based on those patterns. For example, if a high number of customers of a retail establishment convert to the product within a few months after shopping at the retail establishment, purchases made at that retail establishment will be identified as a trigger.
Additionally, customer data 102 is analyzed to determine spend patterns 104 of potential converters to the particular financial card product. Spend patterns 104 of potential converters are analyzed with respect to triggers 100 to identify consumers 106 who have spend patterns that most closely match triggers 100. Since the spend patterns of triggered population 106 are similar to recent converters, it is likely that consumers 106 would also be interested in the product. Consumers 106 are thus included in a triggered population 108. Triggered population 108 is compared to a list 110 of the population eligible to receive an offer for the product. Members of triggered population 108 who are eligible for the product offer are input into a final list of consumers 112 who should be targeted with offers related to the product. Consumers 112 are then targeted with offers to convert to the financial product via, for example and without limitation, direct mail 114, telemarketing calls 116, and/or Internet notices 118. Identifying in this manner the consumers who are most likely in need of the new financial product results in a higher response rate than with targeting methods previously used.
One example of an offer that may be extended to eligible customers is an offer for a higher status transaction card. An individual may already have a regular transaction card (e.g., American Express� Blue) with a transaction account company. However, the transaction account company may offer a higher status card (e.g, American Express� Platinum) that has a higher cost but offers more perks to the card holder. Such a higher status card will be referred to herein as an "elite card," while the lower status card will be referred to herein as a "regular card." Upgrade offers are used to encourage regular card holders to switch to elite card products. Targeting upgrade offers only to those regular card holders having a high likelihood of response results in reduced cost to the transaction card company.
Another example of an offer that may be extended to eligible customers is an offer for supplemental cards linked to existing transaction accounts. An individual may already have a transaction card with a transaction account company. However, other people (e.g., family members) use the individual's card on a regular basis. Targeting individuals who share their card with others with an offer to add a supplemental card to their account also results in a higher likelihood of response and reduced cost to the transaction card company.
In step 204, a shortlist of potentially premium merchants is created. This shortlist may include, for example, merchants associated with a high percentage of converters to the given card product.
In step 206, this shortlist is analyzed to determine the volume of total transactors (e.g., customers making purchases) for each merchant that convert to the given card in a given time period (e.g., three months) following the transaction. A "take rate" is calculated based on this analysis. The take rate is the percentage of offerees who actually accept a product offer.
In step 208, premium merchants for the card product are selected using various take rate cut-offs.
In step 210, the premium merchants are grouped into most viable industry types based on the value proposition of the card product. For example, consumers purchasing in the fine dining industry are more likely to convert to an elite card, while consumers purchasing in the fast food industry are more likely to accept an offer for a regular card. Similarly, consumers purchasing in the women's clothing industry and the club/resort industry are more likely to convert to an elite card, while consumers purchasing in the supermarket industry are more likely to accept an offer for a regular card. Viable industry types for an elite card indicator thus include the fine dining, women's clothing, and club/resort industries, while viable industry types for a regular card indicator include the fast food and supermarket industries.
In step 212, for each viable industry type, different thresholds and frequencies for spend of recent converters are analyzed to determine a typical spend pattern (the trigger) for converters to the card product. Various triggers will now be discussed.
One type of elite card upgrade trigger targets individuals based on their retail transactions. One example retail trigger is a niche retail trigger. The niche retail trigger identifies individuals who make a purchase above a given amount (e.g., $500) at select jewelry stores, art dealers, antique stores, etc., such as Bulgari S.p.A, headquartered in Rome, Italy; Tiffany & Co., headquartered in New York, N.Y.; or Park West Gallery, headquartered in Southfield, Mich. As previously mentioned, a take rate is the percentage of individuals who accepted a card upgrade offer within a given time (e.g., three months) after making a particular transaction. An example take rate for transactors at niche retailers is approximately 1.17%. Another example retail trigger is a high end retail trigger. The high end retail trigger identifies individuals who visit select high end boutiques, such as Neiman Marcus, Inc., headquartered in Dallas, Tex.; Louis Vuitton SA, headquartered in Paris, France; LaCoste, headquartered in Paris, France; or Brooks Brothers, headquartered in New York, N.Y., more than once in a given time period (e.g., one month). An example take rate for transactors at high end retailers is approximately 1.03%.
Another type of elite card upgrade trigger targets individuals based on their leisure activities. An example leisure activity trigger is a golf/ski/spa trigger. This trigger identifies individuals who are involved in luxury sports and leisure that are often associated with the affluent. An example take rate for such transactors is approximately 0.99%. Another example leisure activity trigger is a fine dining trigger. The fine dining trigger identifies individuals who visit select fine restaurants, such as Ruth's Chris Steak House, Inc., headquartered in Heathrow, Fla.; or The French Gourmet of San Diego, Calif. An example take rate for transactors at fine restaurants is approximately 0.89%.
Travel and high value record of charge ("ROC") triggers are other types of elite card upgrade triggers. An example travel trigger is a luxury travel and stay trigger. The luxury travel and stay trigger identifies individuals who travel first class on airlines, travel on cruises, and/or stay at select fine hotels, such as hotels by Marriott International, Inc. of Bethesda, Md. An example take rate for transactors who spend on luxury travel and stay is approximately 1.21%. Another example travel trigger is a frequent travel trigger. The frequent travel trigger targets individuals who fly a certain number of times in a given time period (e.g., more than two flights in a month). An example take rate for transactors who frequently spend on travel is approximately 0.69%. A high value ROC trigger identifies individuals who make purchases greater than a given amount at any location (e.g., greater than $1000). This trigger targets people who may not be included in other triggers, but who appear to be affluent based on the amount of their purchases. An example take rate for high value ROC transactors is approximately 0.66%.
Targeting individuals in these example categories allows a transactional card company to increase the number of individuals eligible for an elite upgrade offer, while maintaining a high take rate for the upgrade.
In addition to the triggers that target cardmembers in need of a product upgrade, "life event" triggers indicate that a cardmember may be in need of a new or supplementary card product to meet new needs resulting from the life event. Spend patterns of the eligible population may be compared to their historical spend patterns to identify changes in spend patterns (the triggers), and to estimate what life event is most possibly associated with the pattern. The life event triggers indicate not only a higher need for the new or supplementary card product so as to target a higher response rate population, but also enables more customized product targeting based on the life event most closely captured by the spend pattern change.
Detecting the presence of extended family assumes that when the analysis begins, some people already have a family, and so their spend pattern is already set to include the family. Therefore, there are not any significant and/or sudden changes in spend pattern. This trigger matches card member last names and first names to the name information obtained from, for example, airline ticketing information. Any tickets purchased for a passenger using an existing cardmember's transaction card, wherein the passenger has the same last name as the cardmember but a different first name, indicates presence of close relatives such as parents and siblings. Since other people utilize the cardmember's account, the cardmember is likely to benefit from a supplementary card and is thus targeted for a supplementary card offer. An example overall take rate for supplementary card offers to cardmembers with extended family is approximately 0.80%, with an example take rate for supplementary charge cards being approximately 0.83% and an example take rate for supplementary lending cards being approximately 0.75%.
Cardmembers who have college or education ROCs likely have children going to college. These cardmembers may be in need of a supplementary card for those children, and can be targeted accordingly. An example overall take rate for supplementary card offers to cardmembers with children attending college is 0.95%, with an example take rate for charge cards being 1.08% and an example take rate for lending cards being 0.83%.
Additions to households in the form of marriage or children show up in the form of current spend deviations from historical spend, and in the form of shift in spend pattern towards purchases typical of people with families and companions. For instance, the presence of a recent marriage or significant other can be determined in various ways.
In a first example, the records of all merchants are reviewed, and for each merchant the total number of male and female cardmembers making transactions at the merchant in a given period of time is calculated. Each merchant is then given a ratio for (female customers/total customers) transacting and (male customers/total customers) transacting at the merchant. Merchants who have more than 80% of transactions being made by one gender are identified as skewed merchants. Then, a cardmember whose card is used to make a transaction at a merchant skewed towards the opposite gender is identified as a possible supplementary card taker. That is, if a card belonging to a male cardmember is used to make a transaction at a merchant that caters to females, then there is a high probability that the card is being used by the cardmember's girlfriend or spouse. This identifies a possible need by the cardmember for a supplementary card, and targeted offers for a supplementary card can be made to that cardmember. An example overall take rate for supplementary card offers to cardmembers who are married or have a significant other is approximately 1.39%, with an example take rate for charge cards being approximately 1.48% and an example take rate for lending cards being approximately 1.27%.
In a second example, airline ticketing data is analyzed to identify same card purchases for travel on the same date and issued together to the same locations. Such attributes indicate companion ticketing. Then, looking at merchants that can be clubbed into timeshare, resorts, and travel agents categories and using the take rate criterion utilized for the elite card upgrade triggers, a list of merchants having travel packages geared towards couples and/or family can be created. Individuals who shop at those merchants likely have spouses or significant others, and may thus be in need of a supplementary card. An example overall take rate for supplementary card offers to individuals who spend on companion ticketing and/or timeshare packages is approximately 1.12%, with an example take rate for charge cards being approximately 1.16% and an example take rate for lending cards being approximately 1.06%.
Additional indicators of family are determined by first looking at merchants that have a high probability of being visited by existing supplementary cardmembers. These primarily occupy categories such as home improvement and entertainment. Spend and count thresholds for spend at these categories are used to come up with a typical spend pattern for the higher take rate population. Then, time series data is reviewed to come up with indicators for additions to the family in the form of, for example, birth of a child. For this example, the historical spend (e.g., spend over the previous six months) is compared to spend in the current month at toy stores and children's-only clothing stores. If the ratio is a significant value (e.g., if the current month shows three or more times the amount of purchases as in previous months) then it indicates with a high probability the presence of a newborn. The ratio requirement takes care of the scenario where an individual has made minor purchases in the past for a friend or relative's child. Time series data can also be used to compare the everyday spend amount (spend in grocery stores, department stores, and other types of spend that are regular purchases) in the current month to spend in the previous months. If the pattern of spend in the current month is significantly different (in that it is substantially higher), which is determined using a statistically derived cutoff, it can be inferred that the card member now has a family or an addition to the family.
Other indicators of family include consistent spend at family restaurants and family clothing stores (e.g., making purchases in these categories at least twice in a month), significant spend on home improvements (e.g., more than $300 a month), and consistent spend on entertainment such as cinema and operas (e.g., at least once per month). An example take rate for supplementary card offers to cardmembers having additions to the family is approximately 0.95%, with an example take rate for charge cards being approximately 0.98% and an example take rate for lending cards being approximately 0.92%.
Other information besides the occurrence of a life event can also be used to trigger cardmembers in need of additional card products. Non-ROC information can be used to target members of the residual population of cardmembers who are likely in need of a supplementary card. For example, new cardmembers or cardmembers who recently changed their address may be responsive to a supplementary card offer. An example overall take rate for supplementary card offers to these residual cardmembers is approximately 0.88%, with an example take rate for charge cards being approximately 1.13% and an example take rate for lending cards being approximately 0.77%.
The age of the cardmember is also a factor in the take rate of supplementary charge card offers.
Similarly, the age of the cardmember is a factor in the take rate of supplementary lending card offers.
Returning to
In step 216, customized marketing is created to target the potential converters based on the trigger.
The present invention may be implemented using hardware, software or a combination thereof and may be implemented in one or more computer systems or other processing systems. However, the manipulations performed by the present invention were often referred to in terms, such as adding or comparing, which are commonly associated with mental operations performed by a human operator. No such capability of a human operator is necessary, or desirable in most cases, in any of the operations described herein which form part of the present invention. Rather, the operations are machine operations. Useful machines for performing the operation of the present invention include general purpose digital computers or similar devices.
In fact, in one embodiment, the invention is directed toward one or more computer systems capable of carrying out the functionality described herein. An example of a computer system 600 is shown in
The computer system 600 includes one or more processors, such as processor 604. The processor 604 is connected to a communication infrastructure 606 (e.g., a communications bus, cross-over bar, or network). Various software embodiments are described in terms of this exemplary computer system. After reading this description, it will become apparent to a person skilled in the relevant art(s) how to implement the invention using other computer systems and/or architectures.
Computer system 600 can include a display interface 602 that forwards graphics, text, and other data from the communication infrastructure 606 (or from a frame buffer not shown) for display on the display unit 630.
Computer system 600 also includes a main memory 608, preferably random access memory (RAM), and may also include a secondary memory 610. The secondary memory 610 may include, for example, a hard disk drive 612 and/or a removable storage drive 614, representing a floppy disk drive, a magnetic tape drive, an optical disk drive, etc. The removable storage drive 614 reads from and/or writes to a removable storage unit 618 in a well known manner. Removable storage unit 618 represents a floppy disk, magnetic tape, optical disk, etc. which is read by and written to by removable storage drive 614. As will be appreciated, the removable storage unit 618 includes a computer usable storage medium having stored therein computer software and/or data.
In alternative embodiments, secondary memory 610 may include other similar devices for allowing computer programs or other instructions to be loaded into computer system 600. Such devices may include, for example, a removable storage unit 618 and an interface 620. Examples of such may include a program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an erasable programmable read only memory (EPROM), or programmable read only memory (PROM)) and associated socket, and other removable storage units 618 and interfaces 620, which allow software and data to be transferred from the removable storage unit 618 to computer system 600.
Computer system 600 may also include a communications interface 624. Communications interface 624 allows software and data to be transferred between computer system 600 and external devices. Examples of communications interface 624 may include a modem, a network interface (such as an Ethernet card), a communications port, a Personal Computer Memory Card International Association (PCMCIA) slot and card, etc. Software and data transferred via communications interface 624 are in the form of signals 628 which may be electronic, electromagnetic, optical or other signals capable of being received by communications interface 624. These signals 628 are provided to communications interface 624 via a communications path (e.g., channel) 626. This channel 626 carries signals 628 and may be implemented using wire or cable, fiber optics, a telephone line, a cellular link, a radio frequency (RF) link and other communications channels.
In this document, the terms "computer program medium" and "computer usable medium" are used to generally refer to media such as removable storage drive 614, a hard disk installed in hard disk drive 612, and signals 628. These computer program products provide software to computer system 600. The invention is directed to such computer program products.
Computer programs (also referred to as computer control logic) are stored in main memory 608 and/or secondary memory 610. Computer programs may also be received via communications interface 624. Such computer programs, when executed, enable the computer system 600 to perform the features of the present invention, as discussed herein. In particular, the computer programs, when executed, enable the processor 604 to perform the features of the present invention. Accordingly, such computer programs represent controllers of the computer system 600.
In an embodiment where the invention is implemented using software, the software may be stored in a computer program product and loaded into computer system 600 using removable storage drive 614, hard drive 612 or communications interface 624. The control logic (software), when executed by the processor 604, causes the processor 604 to perform the functions of the invention as described herein.
In another embodiment, the invention is implemented primarily in hardware using, for example, hardware components such as application specific integrated circuits (ASICs). Implementation of the hardware state machine so as to perform the functions described herein will be apparent to persons skilled in the relevant art(s).
In yet another embodiment, the invention is implemented using a combination of both hardware and software.
While various embodiments of the present invention have been described above, it should be understood that they have been presented by way of example, and not limitation. It will be apparent to persons skilled in the relevant art(s) that various changes in form and detail can be made therein without departing from the spirit and scope of the present invention. Thus, the present invention should not be limited by any of the above described exemplary embodiments, but should be defined only in accordance with the following claims and their equivalents.
In addition, it should be understood that the figures and screen shots illustrated in the attachments, which highlight the functionality and advantages of the present invention, are presented for example purposes only. The architecture of the present invention is sufficiently flexible and configurable, such that it may be utilized (and navigated) in ways other than that shown in the accompanying figures.
Further, the purpose of the foregoing Abstract is to enable the U.S. Patent and Trademark Office and the public generally, and especially the scientists, engineers and practitioners in the art who are not familiar with patent or legal terms or phraseology, to determine quickly from a cursory inspection the nature and essence of the technical disclosure of the application. The Abstract is not intended to be limiting as to the scope of the present invention in any way.
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|Credit Verification Corporation
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|Fair Isaac Corporation
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|Model for generating user profiles in a behavioral targeting system
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|Vladimir Fishman
|Method of building predictive models on transactional data
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|Capital One Financial Corporation
|System and method for providing financial products
|Apr 6, 2001
|Dec 19, 2002
|Oumar Nabe
|Methods and systems for customer relationship management
|Sep 26, 2001
|Mar 27, 2003
|Yu, Mason K.
|System and method for categorizing, aggregating and analyzing payment transactions data
|Nov 20, 2002
|Jul 10, 2003
|Randy Templeton
|Systems and methods for selectively accessing financial account information
|Mar 11, 2002
|Sep 18, 2003
|International Business Machines Corporation
|Method for constructing segmentation-based predictive models
|Apr 21, 2003
|Oct 23, 2003
|Wright Christine Ellen
|System and method for predicting and preventing customer churn
|Apr 15, 2003
|Nov 6, 2003
|Mcnab David Boyd
|Method, system and apparatus for measuring and analyzing customer business volume
|May 10, 2002
|Nov 13, 2003
|Vivek Jain
|Targeting customers
|Jun 19, 2003
|Nov 20, 2003
|Smith Richard T.
|Method and system for marketing to potential customers
|Aug 23, 2004
|Sep 8, 2005
|Jill Maitland
|Methods and systems for predicting business behavior from profiling consumer card transactions
|Sep 13, 2004
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|Ryan Carr
|Assumed demographics, predicted behaviour, and targeted incentives
|Jun 13, 2006
|Dec 13, 2007
|American Express Travel Related Services Company, Inc.
|Automatic classification of credit card customers
|Oct 5, 2007
|Apr 10, 2008
|Richard Zollino
|Method of analyzing credit card transaction data
|Aug 3, 2007
|Jun 19, 2008
|American Express Travel Related Services Company, Inc.
|Strategic Partner Recognition
|Feb 5, 2007
|Jan 7, 2010
|Mtt Agrifood Research Finland
|Qtls for Mastitis Resistance in Cattle
|May 30, 2007
|Dec 6, 2007
|Mastercard International Incorporated
|Systems and methods for segment-based payment card solutions
|Anthes, Gary H., Customer data mining pays off Computerworld, vol. 29, No. 20, May 15, 1995.
|Bank Card Report: Gold holds its luster American Bankers Association, ABA Banking Journal, vol. 82, No. 3, Mar. 1990.
|Berry, Alexander III, Using Market Segmentation for Corporate Customers Commercial Lending Review, vol. 10, No. 3, Summer 1995.
|Black, Joanne, Market segmentation is the key to card profits American Banker, Nov. 8, 1993.
|Fickenscher, Lisa, Gold cards eyed in push to keep customers American Banker, Nov. 14, 1994.
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|Gary, Angel et al., Using Card Transaction Data American Demographics, vol. 20, No. 8, Aug. 1998.
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|Meltzer, Michael, Using Data Mining on the Road to Successful BI, Part 3 Information Management, Special Reports, Oct. 2004.
|Reategui, Eliseo B. et al., A Classification System for Credit Card Transactions Proceedings of the Second European Workshop EWCBR-94 (LNCS 984) Haton, 1994.
|Shun, Ruey-Shun et al., Data Mining Applications in Customer Relationship Management of Credit Card Busienss Proceedings of the 29th Annual International Software and Applications Conference, IEEE, 2005.
|Weng, Sung-Shun et al., The Study and Verification of Mathematical Modeling for Customer Purchasing Behavior The Journal of Computer Information Systems, vol. 47, No. 2 Winter 2006.
|Citing Patent
|Filing date
|Publication date
|Apr 22, 2011
|Jul 24, 2012
|American Express Travel Related Services Company, Inc.
|Identifying industry segments with highest potential for new customers or new spending for current customers
|Aug 29, 2011
|Jul 24, 2012
|American Express Travel Related Services Company, Inc.
|System and method for targeting transaction account product holders to receive upgraded transaction account products
|Jun 22, 2012
|Apr 1, 2014
|American Express Travel Related Services Company, Inc.
|System and method for targeting family members of transaction account product holders to receive supplementary transaction account products
|Jul 20, 2012
|Jun 21, 2016
|Bank Of America Corporation
|Reverse couponing
|Jul 20, 2012
|Dec 6, 2016
|Bank Of America Corporation
|Offers based on life events
|Apr 22, 2011
|Aug 18, 2011
|American Express Travel Related Services Company, Inc.
|Identifying industry segments with highest potential for new customers or new spending for current customers
|Aug 29, 2011
|Dec 22, 2011
|American Express Travel Related Services Company, Inc.
|System and method for targeting transaction account product holders to receive upgraded transaction account products
|Dec 26, 2011
|Jun 27, 2013
|John MacGregor
|Analyzing visual representation of data
|U.S. Classification
|International Classification
|Cooperative Classification
|European Classification
|Apr 11, 2007
Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,
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Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:KALA, ABHINAV;KIM, SUSANA SUNG-HYE;PURKAYASTHA, SUBHRA SHANKAR;AND OTHERS;SIGNING DATES FROM 20070320 TO 20070325;REEL/FRAME:019148/0744
|Dec 31, 2014
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KILL THE EGO: Soundwalk
Photo via Soundwalk
KILL THE EGO began as a song, as an epic 40-minute-long poem composed of 10 years of sound recordings captured in New York by Soundwalk between 1998 and 2008. The fragmented memories of poets and dominatrixes, of pimps and prophets, of visionaries and lost children – the gamut of stories from the street: of the most obscure corners, of underground unrest, intimate and universal biographies of Manhattan, Brooklyn and the Bronx – Soundwalk has captured and woven together the sounds, conversations, and songs of urbanity. This soundtrack of New York City has been represented visually onscreen by the artist Rostarr, who used the sound recordings as a launch for an art series documented by directors Jim Helton and Ron Patane. Inspired by the technique used in Henri-Georges Clouzot's masterpiece "Le mystère Picasso", the directors sought to give life to the creative process and gave birth to the aural and visual work that is the film KILL THE EGO.


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CHICAGO - Food Marketing Institute is partnering with The National Center on Addiction and Substance Abuse at Columbia University, New York, to help publicize the importance of eating dinners at home with the family, and its apparent impact on curbing substance abuse among teenagers.
Rush Russell, vice president and chief operating officer of CASA, presented statistics at the FMI show last week that indicated teens who eat dinner with their families on a regular basis are at almost ha
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Baniewicz Bracketology: The Sizzling South
March Madness is fully underway today, but what can we expect moving forward? Let's head to the South Region and start digging for answers.
March Madness is fully underway today, but what can we expect moving forward? Let's head to the South Region and start digging for answers.
Louisiana's Ragin' Cajun softball team began play at the Diamond-9 Citrus Classic this morning with a dominating victory. Cajun hurler Christina Hamilton (pictured) earned the win with...
The Atlantic Coast Conference evidently doesn't want to rock the boat.
The Conference announced midway through 2011 that Pittsburgh and Syracuse would be leaving the Big East conference for the ACC...
Is the Atlantic Coast Conference soon going to be the next conference to expand to what is being call a "super conference"?
Is the ACC checking out potential members, as a proactive step, in case they lose some of their current members?
Whatever the case, a high ranking ACC official told ESPN.com that Syracuse and Pittsburgh, currently with the Big East Conference, have applied for membership into the ACC.
The University of Pittsburgh fired head football coach Mike Haywood, on Saturday, one day after he was arrested on a domestic violence charge. Pitt named Haywood head coach only 2 1/2 weeks ago. Espn.com, with some help from the Associated Press, has the story, below.


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Ameerpet, Hyderabad, India- 500016.
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by Benjamin Herrold
I like to think I have a decent vocabulary, but it's difficult to think of adjectives to adequately describe how hard-to-watch Missouri's 10-3 loss to Vanderbilt last Saturday was.
Playing on a gray day in the otherwise vibrant city of Nashville, Missouri (4-4, 1-4 in SEC play) and Vanderbilt (3-4, 1-3 in SEC) had offenses that almost comically struggled to score. Both kickers missed field goals off
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Creative Writing Faculty
"I was able to explore several approaches to writing and teaching and discover what worked best for me."
- Rachel Luria, alumna
Samuel Amadon is the author of two books of poetry: Like a Sea, winner of the Iowa Poetry Prize, and The Hartford Book. His poetry has appeared in The New Yorker, American Poetry Review, A Public Space, Ploughshares, and elsewhere. He frequently writes poetry reviews for Boston Review and Lana Turner: A Journal of Poetry and Opinion.
MFA Director
David Bajo is the author of three novels: The 351 Books of Irma Arcuri, Panopticon, and Mercy 6. His work has been translated into 11 languages. He has published stories in Five Chapters, The Cimarron Review, Zyzzyva, The Sun, The Chattahoochee Review and other literary journals.
James Barilla is the author of two creative nonfiction books: West With the Rise: Fly Fishing Across America (University of Virginia Press) and My Backyard Jungle: The Adventures of an Urban Wildlife Lover Who Turned His Yard into Habitat and Learned to Live with It (Yale University Press). He has published essays, scholarly articles and stories about the human relationship with the natural world in ISLE, Places, Ecological Restoration, and elsewhere.
Elise Blackwell is the author of four novels: Hunger, The Unnatural History of Cypress Parish, Grub, and An Unfinished Score. Her work has been translated into several languages, and her books have been chosen for numerous best of the year lists, including the Los Angeles Times, Sydney Morning Herald, and Kirkus. Her short stories and cultural criticism have appeared in Witness, Topic, Seed, Quick Fiction, and elsewhere.
Writer in Residence and MFA Coordinator
Liz Countryman's poems have appeared or are forthcoming in American Poetry Review, AGNI, The Offing, Boston Review, Columbia Poetry Review, Hayden's Ferry, Court Green, Washington Square, and other journals. She is the recipient of fellowships and scholarships from the Vermont Studio Center, the Bread Loaf Writers' Conference, and the MacDowell Colony. She is editor, with Samuel Amadon, of the poetry journal Oversound.
Fred Dings' poetry has appeared in The New Republic, The New Yorker, Poetry, Paris Review, TriQuarterly, and elsewhere. He has published two books of poetry, Eulogy for a Private Man and After the Solstice, two chapbooks, and various articles and reviews. He currently has work appearing or forthcoming in The Winter's Tale: Evans Shakespeare Series, The Packinghouse Review, Spillway, and The Wallace Stevens Journal. He is a regular poetry reviewer for World Literature Today.
Nikky Finney was born in South Carolina, within listening distance of the sea. A child of activists, she came of age during the civil rights and Black Arts Movements. At Talladega College, nurtured by Hale Woodruff's Amistad murals, Finney began to understand the powerful synergy between art and history. Finney has authored four books of poetry: Head Off & Split (2011); The World Is Round (2003); Rice (1995); and On Wings Made of Gauze (1985). The John H. Bennett, Jr. Chair in Southern Letters and Literature at the University of South Carolina, Finney also authored Heartwood (1997), edited The Ringing Ear: Black Poets Lean South (2007), and co-founded the Affrilachian Poets. Finney's fourth book of poetry, Head Off & Split was awarded the 2011 National Book Award for poetry.
One of the nation's foremost scholars of children's literature, Dianne Johnson is also, under her pen name Dinah Johnson, the author of five picture books for children: All Around Town, Sunday Week, Quinnie Blue, Sitting Pretty, and Hair Dance.
Ed Madden is the author of three books of poetry: Signals, winner of the 2007 SC Poetry Book Prize; Prodigal: Variations; and Nest. His poems have been published in the Los Angeles Review, Poetry Ireland, and other journals, as well as The Book of Irish American Poetry (Notre Dame) and Best New Poets 2007.
Tara Powell is the author of the chapbook Physical Science (Finishing Line Press, 2010). Her poems have appeared in Asheville Poetry Review, Blue Unicorn, Pembroke Magazine, South Dakota Review, Southern Poetry Review, storySouth, Weber Studies, and other journals.


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Click on the thumbnails below to see larger images that you can share – you can share on your blog, Facebook, MySpace, other social networks, your web site, in forums, or email. There are 36 in all!
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#shroomshotsaturday +ShroomshotSaturday curated by +Sabeena LoBello and +Patricia A
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A masters is earned after students complete an undergraduate degree program. To obtain a masters, you usually need to complete 12 to 18 college courses that often involve completing comprehensive tests and/or a thesis.
Classes in communications prepare participating students for a wide selection of careers, ranging from local news networks to international projects within global businesses and government organizations and several other prominent options by enhancing the skills necessary in these career fields.
South Africa, officially the Republic of South Africa, is a country located at the southern tip of Africa. It is divided into nine provinces. South Africa is not only a jumping off point, it is itself a fantastic destination rich in culture, fauna & flora and history.
Masters Degree in Communication in South Africa
Clear, powerful and concise communication is vital in today's technology-driven world. As new avenues for communication emerge, it is paramount that practitioners thoroughly understand both quantitative and qualitative communication methodologies, as this will prepare them for success. [+]
Today's savvy marketing and communication leaders begin at the endpoints: the thoughts, behaviors, and actions of the buyer. They know the importance of differentiation, and how to establish a unique and ownable brand position in the minds of a target audience. [+]
MCom in Economics (Coursework) [+]
MCom in Business Management (Coursework) [+]


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The Key Elements of Great Services
Signal Jamming and the Things You Need to Know About It
In the modern world where democracy and the upholding of civil liberties reign, privacy is something that can never be taken away from the populace, regardless of country, territory, or region. But with the onset of technology and the ever-pressing need for surveillance for security purposes, a lot of people getting increasingly concerned about what defending the right to privacy. Also, even private citizens and individuals are finding their own ways to invade another person's privacy in order to steal information or simply create annoyance.
Truth to be told, the more we depend on technological advancements like the use of electronic gadgets and mobile devices, the more we subject ourselves to the possibility of having our personal information remotely accessed and stolen. Through mobile and wireless networking, the data stored in phones and computers can be accessed without our permission just about anywhere.
And as some sort of response to the danger of losing one's privacy due to unauthorized access to personal information, there now is a developing trend of using devices that could help people protect what needs protecting. The most popular term associated with this type of device is "signal jammer." Cell signal jammers are undoubtedly the most popular of all jammers and they now can be bought in very specific places, provided you know where to look for them. Phone blockers are basically the best representation of why people are leaning towards the use of jammers in general.
Even though many countries prohibit the use of signal jammers, the U.S. is one that quite interestingly does not have restrictions. However, there are particular frequencies that are only allowed for broadcasting if you have a license. However, this doesn't mean you can practically do whatever you want once you get your hands on a jamming device. There are certain unwritten rules that needs to be followed for the sake of decency and respect to others. The most basic of these unwritten rules is to never use your jamming device in public places and instead limit it to your own property.
Also, when you're using a signal jammer, be sure that you are not in any way disturbing or bothering other people while you're trying to protect your privacy. In other words, it simply does not make sense if you try to assert your privacy rights while in the process causing some inconvenience or annoyance to another person.
Lastly, before you actually use a signal jammer, you have to be sure who or what you're dealing with. Considering that there are several types of signal jammers out there, it only means you need to know what or who you are up against in order to buy the right type.
Attributed by: go to the website


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St Roche
$ 195.00 $ 354.00
Sale or marked down items are final sale and cannot be returned, although they can be exchanged for a different size, provided there is stock available.
Full priced items can be returned or exchanged for any reason up to 14 days from time of purchase. Once an item is exchanged, it cannot be returned. Items must be unworn, unlaundered and with all tags and labels still attached.
1. Visit our Returns page
2. Enter the email address used at purchase and follow instructions.
If you are making a return, the cost of shipping will be deducted from your refund amount. If you are making an exchange, we will pay for shipping both the unwanted item to us and the new item to you.
"English Rose" lace, ruffles and pintucks, viscose
The Suzanne dress is romantic mini dress with flattering wide elastic smocking at the waist and a cascading ruffle accenting the "V" neckline. Delicate tonal lace, hand-embroidered French knots, pintucks and blouson sleeves add to the feminine feel. Wear yours day to night.
- 100% Viscose
- Body lined in 100% Cotton
- Color, Black (or Heather, a Lavender color)
- Lace insets, ruffles, hand-embroidered French knots and pintuck details
- Slips on
- "V" neck with ruffle front and back
- Elastic smocking at waist creating a blouson and a full skirt
- ¾ length sleeves with elastic at cuffs
- Length 36" from shoulder when on to front hem, measured on a size S
- Delicate wash cold and hang dry or dry clean. Wash with like colors. Do not tumble. Cool iron on reverse side.
- Made in India


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Saturday, March 20, 2010
Passiontide Veiling of Images
2 comments:
- Jonathan said...
Wonderful reading. I am surprised to learn that the custom of veiling images is to begin on Judica and not Quadragesima (or Septuagesima). Does this apply for congregations using the the three-year lectionary as well (in which case the Gospel readings for the Fifth Sunday in Lent, years B and C do not reference Jesus' glory, or at least are not the same as the Judica Gospel reading)? Or should congregations using the three-year lectionary veil images beginning at some other time? or not at all?
- March 20, 2010 at 6:40 AM
- Deacon Latif Haki Gaba, SSP said...
Dear Jonathan:
These differences you observe between the traditional and modern uses of the liturgy, and the liturgical questions they raise, as in this case, are problems that have no definitive solution.
If a pastor wishes to be traditional regarding the veiling, but not traditional regarding the pericopal system he uses, he can do that, but it will make slightly less sense, it will all cohere together in a less than fully perfect way.
The best solution, in my view, is not to alter the veiling tradition to somehow fit the readings, but to reform his lectional practices, so that all of his practices together make more sense.
- March 20, 2010 at 11:35 AM


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The results of the 2016 presidential election caught many by surprise. With the election of Donald Trump as the 45th president of the United States, and his immediate remaking of American policy through executive orders, public and academic librarians began to mobilize. From book displays addressing resistance and inclusivity, to graphics proclaiming that all are welcome in the library, to topical LibGuides, to online groups organized by discipline or principles, library staff and supporters across the country joined forces with like thinkers to do what they do best: share information where it's most needed.
Librarians Mobilize Resources, Information, and Solidarity in Response to New Administration
By February 22, 2017 2 Commentson
The Better Angels: Committed To Defending an Inclusive Society | Editorial
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More Wins than Losses for Libraries
By November 9, 2016 3 Commentson
On a long Election Night filled with tension and political upset, 79 libraries across the country had referenda on the ballot. The news for libraries was more good than bad. At press time, 54 had recorded wins and 12 losses, with the remainder either not applicable—representing votes to leave a district, for instance—or still too close to call.


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Magic Quadrant for Integrated Systems
Click here to view the latest Gartner Magic Quadrant to identify the industry leaders and visionaries for Integrated Systems solution providers.» click to download Source: Gartner
Click here to view the latest Gartner Magic Quadrant to identify the industry leaders and visionaries for Integrated Systems solution providers.» click to download Source: Gartner
This paper focuses on why network visibility is critical to your business, and four key attributes of best-in-class visibility solutions you must explore before selecting a visibility platform.» click to download Source: Ixia
In this paper, learn: How to avoid "network blind spots" that increase the risk of security breaches, Which features on industry-standard network packet brokers result not only in reduced performance but dropped packets» click to download Source: Ixia
The attack surface of a software environment is the sum of the different points (attack vectors) where an unauthorized user (the attacker) can try to enter data into or extract data from an environment.» click to download Source: Ixia
What you'll learn: What are the common problems that modern enterprises have when it comes to getting the most value out of their monitoring tools? What are the most cost effective solutions? What are the attributes of a well-designed visibility architecture?» click to download Source: Ixia
The paper addresses six key considerations to ensure service resilience in virtual environments, and the importance of providing pervasive data access to the right tool, at the right time, and in the right place.» click to download Source: Ixia
A service-aware network provides financial services firms with an agile infrastructure to identify new market opportunities, attract and retain customers with differentiated services, and respond to competitive and industry challenges.» click to download Source: Juniper Networks
Traditional antivirus software is no longer effective at stopping today's cyberthreats. Read this special report to discover the five essential security requirements of any antivirus replacement.» click to download Source: Palo Alto Networks (Exclusive Networks)
Want to keep connected with your customers? Read on to discover the five steps to profitable customer-centric relationships.» click to download Source: Fuji Xerox
Enterprises looking to take advantage of Asia's economic boom are fueling demands for data center capacity. Check out this report on how Hong Kong, as the most connect city in the region, helps enterprises for their future data center strategies.» click to download Source: NTT Communications
Only 34 percent of Singapore businesses have a full digital strategy in place: Microsoft
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Thai semiconductor firm turns to Malaysia's Hitachi Sunway
Enterprises have accelerated adoption of encryption strategies
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DeClout to nurture early-stage startups in Singapore
Next generation biometric card combines technology and fingerprint scans
Google to train 1,000 Singaporean SME business leaders by 2019


text:
SIR PATRICK MAYHEW, the Secretary of State for Northern Ireland, yesterday tried to paper over the rift between London and Dublin over Irish proposals for joint administration of Ulster as he suggested inter-party talks could yet proceed.
Prospects for the deadlocked talks staying on the road took a knock on Thursday after Sir Patrick rejected proposals by Dick Spring, the Irish Foreign Minister, for going ahead in the autumn without Northern Ireland politicians and discussing a British-Irish administration with EC involvement.
The row caused when Mr Spring revealed his suggestions in a newspaper interview came on top of the Ulster Unionists' refusal to participate further.
Sir Patrick said he hoped to persuade the province's political leaders to rejoin talks in the autumn. 'I believe there is a reasonable prospect that the talks will proceed, maybe not in the same form as before, but quietly and steadily, and that exploratory discussions will flourish,' he said.
The prospect still looks remote, however. David Trimble, the Ulster Unionist MP for Upper Bann, and Mr Hume clashed repeatedly in a BBC radio interview yesterday as they each accused each other of persisting with the impasse.
Mr Hume said earlier: 'I think substantial progress has been made by us to date and hope we will reach the objective, which is a total cessation of violence in our society.'
Defending Mr Spring's initiative, he said: 'What Dick Spring said was utterly common sense. He wants the talks to resume and the parties back at the table, but he is also saying: 'If some parties do not come to the table, governments have to govern. You don't allow individual parties to dictate to the rest of us'.'
There were conflicting signals from the Republic. The Irish Prime Minister, Albert Reynolds, backed Mr Spring, but also told the Dail: 'Our aim remains a broader agreement which would involve the participation of the Northern constitutional parties as well as the two governments in new institutions.'
John Bruton, Fine Gael leader, said there was a 'suppressed conflict' between the two.
- More about:
- David Trimble
- Irish Politics
- RMT (trade Union)
- Trade Unions


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David L. Curotto has joined Cantigny Park and Cantigny Golf in Wheaton as Food & Beverage Director. The appointment was announced by Northbrook, Ill.-based KemperSports, which oversees Cantigny's golf and foodservice operations.
Curotto has been a professional chef at private country clubs throughout Chicagoland for the past 18 years. Most recently, since 2012, he was Executive Chef at Hawthorn Woods Country Club, a property also managed by KemperSports.
"Dave is a perfect fit for this position," said Terry Hanley, Cantigny Golf's general manager. "His 'back of the house' skills are well known and now he'll get to realize his goal of stepping outside the kitchen to manage all aspects of a larger foodservice business. Cantigny's restaurant and private party guests will enjoy the quality and service standards Dave and his team will implement throughout the year."
Hanley, now in his second year at Cantigny, hired Curotto for the Hawthorn Woods job and they worked together for several years. When Cantigny's top food and beverage position became available, Hanley's choice to fill it was easy.
Curotto relishes his broader role and new career challenge at a venue as well known for its gardens and museums as its championship golf course.
"Cantigny is a wonderful institution," he said. "People love it here for many different reasons, including a tradition of great food and hospitality. So I know I'm in the right place and can't wait to help make the customer experience here even better."
Curotto holds an Applied Science in Culinary Arts degree from Kendall College in Evanston, Ill. He lives in Aurora with his wife Rachael, also a chef, and their two young children.
This item was posted by a community contributor. To read more about community contributors, click here.


text:
You are hereHome >
WISPIRG Blocks Predatory Rent-To-Own Bill
In May 2013, WISPIRG helped defeat a provision that would have given special treatment to the predatory rent-to-own industry, which charges astronomical annual interest rates to rent used or older model products. WISPIRG joined with State Sen. Glenn Grothman, the Wisconsin Catholic Conference, and numerous faith and civic leaders to oppose a special interest exemption that would have eliminated the requirement that rent-to-own businesses disclose an APR.
"State leaders shouldn't be giving special treatment to a predatory industry that locks consumers in a cycle of high-cost, perpetual debt," said WISPIRG Director Bruce Speight.
In May, WISPIRG released a new report that found that five rent-to-own stores in Rockford, Ill., charged an average annual percentage rate of 221 percent and displayed outright
case purchase prices that were two to seven times the cost of similar products at other major retailers.
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This is the full research report for 220.127.116.11, which is an IP address.
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|user 4.
|Sent on:
|Sunday, June 2, 2013 2:18 PM
Of course one is responsible for all consequence from the actions and decisions they make.
From: [address removed] [mailto:[address removed]] On Behalf Of Richard Mohley
Sent: Saturday, June 01,[masked]:29 PM
To: [address removed]
Subject: [Ethics-Philosophyl-Group-of-East-Portland] ETHICAL PHILOSOPHY: What Does Being Responsible Mean?
For What
The great existentialist philosophy John Kimmel once observed that "you are responsible for what you know AND WHAT YOU DON'T KNOW." Is that true?
If I eat at McDonalds and it poisons me, am I responsible for my own disease? If I buy a gun and my kid kills himself with it, is that my fault? If I drive drunk and cause an accident, did I intent to cause the accident?
There is a concept in law that the defendant knew OR SHOULD HAVE KNOWN. Claiming that through some odd quirk of his personality he simply did not know
He is punishable for the results of his actions because a reasonable person would know what would happen. The observable facts in the world are there, he choses to not know them.
What about people who simply refuse to "take responsibility" for their actions? What does that mean anyway?
George Bush, Condoleezza Rice, Donald Rumsfeld all live very well now, completely avoiding responsibility for the death of millions.
At the same time, millions die without being responsible in ANY way for their circumstances.
Exactly how does that work?
We ALL face environmental disaster, but we didn't create it or profit from it and can't change those who do. Soooo?
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text: Deekay: you are correct, you can write a user-space program if you wanted, but keep in mind that it's not possible to have something that runs from initial boot all the way through to user-land in the kernel. You'd want to enable the watchdog early on (x-loader...), and prevent it being re-configured in u-boot and the kernel (the state gets nuked during initialisation of the kernel...). One reason you probably just want to rebuild the kernel is that it keeps things tidy: the only way you can write to the twl manually with i2c is to use the I2C_SLAVE_FORCE macro - which basically lets you use a slave device even if a driver has reserved it (which it will have, because the kernel sets things up and communicates with the tps at boot...). I've not had any nasty collisions when doing this in the past (when controlling the LED drivers on the TPS), but I would still approach it with caution. On Thu, Jan 31, 2013 at 6:15 PM, deekay <sm5wpx@...> wrote: > Akram: Many thanks for you reply. I was worried that I need to re-build the > thing. But I guess that the "driver" reads and writes to TWL via I2C. I > spotted the source code for the TWL4030_watchdog.c, so my guess was that it > would be possible to build a stand alone program for accessing the device. > Without modifying the kernel that is. > > Well, well... I might need to do some backward engineering after all. > > I will however, give you the uname -a information shortly. > > Regards > > > > -- > View this message in context: > http://gumstix.8.n6.nabble.com/HowTo-enable-reliable-TWL-watchdog-tp4966654p4966668.html > Sent from the Gumstix mailing list archive at Nabble.com. > > > ------------------------------------------------------------------------------ > Everyone hates slow websites. So do we. > Make your web apps faster with AppDynamics > Download AppDynamics Lite for free today: > http://p.sf.net/sfu/appdyn_d2d_jan > _______________________________________________ > gumstix-users mailing list > gumstix-users@... > https://lists.sourceforge.net/lists/listinfo/gumstix-users >


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Tory Burch Embossed Snakeskin With Gold-tone Hardware Shoulder Bag
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Price: $269.00
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It might be easy to find a home loan, but finding the right loan that suits your needs can be challenging. That's where we can help. Compare nearly 3,000 home loans from up to 21 lenders in one appointment. Get Aussie on your side.
How do you Compete with a Cash Buyer?
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