text:
|Publication number
|Publication type
|Application number
|Publication date
|Dec 8, 2009
|Filing date
|May 5, 2006
|Priority date
|May 6, 2005
|Fee status
|Also published as
|Publication number
|Regina E. Dugan, Thomas Emory McVeigh, Jacek Kotowicz
|Original Assignee
|Redxdefense, Llc
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (42), Referenced by (5), Classifications (16), Legal Events (3)
|External Links: USPTO, USPTO Assignment, Espacenet
The present invention claims the benefit of U.S. Provisional Patent Application Ser. No. 60/678,195 entitled "Personnel Screening and Security System With Dynamic, Individualized Subject Interface" filed May 6, 2005 and U.S. Provisional Patent Application Ser. No. 60/702,621 entitled "Kiosk/Security Decision Support System" filed Jul. 27, 2005.
1. Field of the Invention
The present invention pertains to the art of security systems and, more specifically, to a personnel security screening and response control system for use in providing security screening in a wide range of venues, particularly where user attention to increased security measures is not desired.
2. Discussion of the Prior Art
Since Sep. 11, 2001, protection against terrorist threats has become a national priority. This priority extends from the protection of government facilities inside the U.S. and abroad to the protection of private businesses and venues. Various types of threats have been postulated, including attacks using explosives, chemical and/or biological agents, as well as nuclear and radiological agents (dirty bombs). The diversity of these threats has created complex security challenges for national, state, and local governments, the transportation industry, private businesses, and even individuals. Total expenditures related to Homeland Security topped $100B in 2003 and billions have been allocated in Federal, Supplemental Appropriations and State/Local spending. Increasingly, U.S. businesses are devoting more revenue to security systems, with total expenditures reaching tens of billions of dollars. Growth in the homeland security industry is expected to be vigorous over the next decade. Motivated by the wide diversity of potential threats and by the inadequacy of currently available systems, government investments in research and development are on the rise.
Of the various threats postulated, explosives remain the number one choice of most terrorists. Indeed, many experts have noted that, in the case of terrorist activity, compelling statistical evidence exists that bombs are a primary threat. Additional studies have shown that most deaths and injuries occur in locations where security screening is not typically present, highlighting the importance of protecting high-value locations lacking a security screening system. As security systems in government facilities improve, businesses and other non-government venues become increasingly attractive targets, with public safety, security and the economic health of businesses being held at risk.
Experience in aviation security has shown that employing moderately effective portal screening to screen 100% of personnel increases operational risk to would-be attackers and is thus a significant deterrent. Indeed, most of the security systems currently available were developed in response to regulatory pressures pertaining to aviation security. However, since the use of such systems by individuals was mandated, to date the development of these systems has been focused on security sensors themselves, with little attention being given to user interactions or ease of use. Prior methods of providing for personnel screening and security involve costly, large fixed base, and low throughput systems. Indeed, these systems are most often associated with long lines, user frustration, false alarms, and irritating delays for the personnel being screened.
The above described systems were not designed with the needs of businesses in mind, especially with regard to providing security in a manner that is consistent with their objectives and image. Furthermore, existing interfaces for security and personnel screening are not readily adaptable to different individuals or to changes in security sensing technology. In the case of explosives screening, current systems often cost more than $1M per portal for systems that detect bulk explosives, and tens of thousands of dollars per portal for systems that detect trace explosives. Moreover, installation and annual maintenance costs often times exceed the original price of the system. In the case of trace explosive detection, currently deployed systems were developed primarily for use by analytical chemists in laboratories and thereafter adapted for use in the field. Current trace explosive detection systems suffer from very long clearance times following a positive detection (15-30 minutes), have exceedingly high false alarm rates and require extensive training to ensure proper use and maintenance.
Trace explosive detection systems are based on wide scientific evidence which indicates that handling of explosives leaves trace residues on hands, clothes, and other materials. These residues are highly concentrated and difficult to eradicate. Actually, the Federal Aviation Administration relies on this principle as a basis for their trace explosive detection program. Indeed, contamination is expected to be so extensive and difficult to eliminate that currently installed trace explosive detection systems depend on secondary contamination transferred from the hands and clothes of individuals to their baggage. Baggage is sampled for trace explosives, and samples obtained are presented to detection systems for analysis.
While currently deployed trace detection systems operating on this principle have high sensitivity, false alarm rates and low throughput require that only a small fraction of personnel be screened. As a result, probability of detection is quite low. Moreover, most businesses and unregulated industries are not at risk from the very small quantities of explosives that are a threat to aircraft and thus do not require the explosive detection capabilities needed by aviation security. A better operational point for such cases would be the ability to screen 100% or nearly 100% of individuals using a high throughput, customized system, with fewer false alarms. Raising the percentage of individuals screened will increase the overall probability of detection, as well as the level of deterrence.
Further, it is known that explosive contamination can vary widely over small spatial distances. Evidence indicates that trace residue levels can change as much as 10,000 fold over distances as short as a few centimeters. Currently available trace explosive detection systems sample only from limited spatial areas, with swipes of these areas provided to a fixed base system. Thus, there is a need to improve upon the spatial sample and analysis of explosive contamination.
As described above, currently available screening systems suffer from many disadvantages such as high cost, low throughput, high false alarm rates, operational complexity, high maintenance and training requirements, poor spatial sampling and the like. In addition, as the currently available systems are focused on individual security sensor systems rather than the user interface, these systems are not easily upgraded with new technological solutions and/or designed to create a positive experience for users. These limitations have created a significant barrier to the use of such systems when convenience of use is paramount to meeting the combined needs of security and access to businesses in particular. More specifically, the security of large venues and transportation hubs has become a distinct challenge for businesses, state and local governments, as well as the federal government in the United States and abroad.
Improving security requires the formulation of effective tactics, techniques, and procedures which are tailored to the particular threat level, the location and available assets, as well as the consistent application of these approaches to reduce vulnerabilities. Moreover, as attacks are rare events, it is critical that a system exist for promulgating and exercising security procedures, as well as for measuring improvements in the response to real or simulated events. Taken together, such a system would permit an entity to establish best practices and achieve a state of readiness for individual venues, as well as across an entire company. Current approaches to security are ad hoc and do not utilize sophisticated decision support aids, modern software and communication tools, authentication procedures, or audit trail creation.
As such, there is a need to improve the interface and experience of personnel screening processes. More specifically, there exists a need for a personnel screening and security system that collects subject data through the use of a user friendly, even entertaining, interface. In addition, there is a need for a support system that integrates multiple security interfaces which are positioned in multiple locations. Moreover, there is a need for a security screening and support system that meets the needs of unregulated industries and businesses wishing to improve security in a manner that is consistent with current business objectives, desired user interactions, and a changing technological landscape.
The present invention is directed to a personnel security screening and support system including a screening center having a main housing within which is arranged a threat screening system and a demographic screening system. The screening center establishes an interactive system for determining the potential threat of a subject, e.g., whether a subject has recently encountered or handled an explosive substance that may pose a potential threat. In one preferred embodiment, the screening center also determines a particular demographic of the subject in order to present targeted advertising or other information to ensure that the subject's interaction with the screening system is pleasant.
In accordance with the invention, the threat screening system includes a threat data collector and a data analyzer. At this point, it should be noted that the data analyzer employed would depend on the particular threat data collected which can take various forms in accordance with the invention. That is, the threat data collector includes a sample collector which obtains one or more assessment samples from an individual, either physically or passively, with the sample(s) being processed through the data analyzer to establish a threat potential for that particular individual. Where explosive-based threats are of particular concern, the threat sample collector preferably obtains a trace residue sample from the subject which is subsequently analyzed by a sample analyzer to determine whether the trace residue sample contains a threat residue. For instance, in accordance with one preferred embodiment of the invention, a trace residue sample is obtained from a subject's hand. More specifically, the subject's hand is placed a sample collecting sheet onto which any foreign particles or trace residue would be transferred. The sheet is then shifted to the sample analyzer which determines whether the trace residue contains any threat residue, such as explosive particles, chemicals or the like. The particular form of analysis can also vary depending on the particular threat form being targeted. In the case of the explosive residual analysis, a preferred embodiment exposes the sample to various reagents and UV light in order to establish a threat signature. At the same time threat data is collected from the subject, demographic information is also preferably obtained.
In further accordance with the invention, the demographic screening system includes a demographic collector and a demographic analyzer. The demographic collector obtains a demographic indicator or attribute information from the subject. In accordance with a preferred embodiment of the invention referenced above, when the subject's hand contacts the sample collecting sheet, a hand size or other features of the hand are determined. The demographic analyzer compares the collected hand feature(s) with stored demographic information to determine a particular demographic of the subject. In addition, other physical attributes, such as height, weight, and facial attributes, could also be employed to determine the particular demographic.
In accordance with one preferred embodiment of the invention, once a subject is analyzed from a threat standpoint, and the demographic indicator is analyzed for the particular demographic of the subject, the screening center preferably issues the subject an article, in the form of a keepsake. Unbeknownst to the subject, the keepsake, which includes a picture of the subject taken at the screening center, is also preferably provided with a visual indicator associated with the threat signature, e.g., an indication of whether the trace residue sample contained a threat residue, as well as advertising targeted to the subject's particular demographic. That is, in accordance with this preferred form of the invention, the keepsake contains a hidden indicator, such as a code or icon, embedded in the keepsake and visually identifiable to security personnel, relating to whether the subject is determined to be a potential threat. In addition to issuing the keepsake at the screening center, other security measures are taken, particularly the dispatching of security personnel. Certainly, other security procedure options can be employed, such as refusing to issue the keepsake and detaining the subject.
As indicated above, the security screening centers of the invention can be employed in a wide range of environments, but preferably venues where prominent screening procedures are not welcome. For instance, the invention has particular application for use in screening visitors and guests wishing to enter amusement parts, concerts, race tracks, athletic events and the like. In accordance with the most preferred form of the invention, a group, pod or cluster of screening centers is arranged at a distance from each entry point of a particular venue. Members of the public wishing to enter the venue must first interact with the screening center, be screened and receive a keepsake. Upon reaching the venue, the subject presents both a pre-purchased ticket and the keepsake to a security screener, or an integrated ticket/keepsake. In addition to handling the ticket, the security screener scans the keepsake for the embedded code and, if the embedded code indicates that the subject is not a threat, the subject is permitted to enter the venue. If, on the other hand, the embedded code indicates that the subject may constitute a threat, the subject is taken aside for additional screening. In accordance with another embodiment, any individual not passing the screening analysis is flagged at a remote control station in communication with each of the screening centers and appropriate security measures are taken to assure that the individual does not even reach a venue entry point.
An aspect of the present invention is particularly directed to a security screening and support system for a venue having a plurality of access points. The system preferably includes a plurality of screening centers connected to a central control. The plurality or screening centers are strategically placed in relation to the plurality of access points of the venue. Preferably, multiple screening centers are arranged in pods or clusters which are positioned remote from each of the plurality of access points, such as in parking lots or other areas leading to a main venue site. In general, the exact positioning and number of screening centers can vary depending on at least the particular site configuration, logistics and the volume of people likely to enter the venue for an event. In any case, the screening centers collect samples, either through direct physical contact or passive sensing/transmission arrangements, from subjects looking to enter the venue. The samples are then screened for a threat. If a subject tests positive, an alert status is sent to the central control and a response is formulated.
In further accordance with the invention, the central control integrates each of the plurality of screening centers at a single location. The central control enables security personnel to view a target subject at any one of the plurality of screening centers, provide an alert indicating that a particular subject has a positive test result, and either enact an appropriate response dependent upon a preset threat level or alter the threat level and response based on the results. In addition to providing a command center in connection with responding to an actual threat, a test alert can be run from the central control, while a monitoring responses to the test alert. Furthermore, the central control allows security personnel to evaluate procedures for addressing various threat conditions and log alert information from each of the plurality of screening centers to establish an audit trail.
Additional objects, features and advantages of the present invention will become more readily apparent from the following detailed description of preferred embodiments when taken in conjunction with the drawings wherein like reference numerals refer to corresponding parts in the several views.
As will become more fully event below, the present invention can take various forms and scan for various potential threats. However, initial reference to
In any event, screening center 2 includes a collecting portion 34 arranged within a housing 37 that retrieves trace residue samples and certain demographic samples from a subject. As such, collecting portion 34 includes a residue sample collector 38 and a demographic sample collector 41, as well as an output portion 45 which, as will be described more fully below, outputs or issues an article to the subject upon completion of a screening process.
In accordance with the invention, residue sample collector 38 includes a sample collecting sheet 55 positioned upon a palm pad 56 below a cowl 57. Sample collecting sheet 55 is provided on a continuous roll 59 that enables screening center 2 to provide a clean sheet for each subject. In any case, sample collecting sheet 55 includes a slightly adhesive or tacky surface that attracts trace residue from the subject. Once a trace residue sample has been collected from the subject, sample collecting sheet 55 is moved to a sample analyzer 63. Upon reaching sample analyzer 63, chemical reagents stored within a chemical reagent dispenser 66 are sprayed onto sample collecting sheet 55 and a test for a threat residue by an analyzing portion 68 of sample analyzer 63 is performed. As will be discussed more fully below, palm pad 56 preferably includes a pressure pad or pad sensor 72 operatively coupled to analyzing portion 68 in connection with obtaining a good sample, as well as a demographic control center 75 for determining a particular demographic of the test subject.
Reference will now be made to
Upon approaching screening center 2, a subject places, for example, his/her hand upon sample collecting sheet 55 and against palm pad 56, s thereby triggering pad sensor 72. If insufficient pressure is applied to palm pad 56, a warning or further instructions are presented to the subject on a display 79, such as requesting that additional pressure be applied. In connection with the embodiment shown, a silhouette or outline of a hand, which may or may not correspond to the hand size of, in the case of the exemplary race car venue, the hand of a famous race car driver associated with the particular event for an amusing size comparison for the user, is provided at residue sample collector 38 for properly positioning the subject's hand. The inclusion of pad sensor 72 assures that the subject provides a sufficient pressure to obtain a proper sample as indicated in step 85. Thereafter, a media feed system 87 transfers sample collecting sheet 55 to reagent dispenser 66 where, as shown in step 89, a polymer coating or spray is applied. Once coated, sample collecting sheet 55 is passed under a UV bath 91 of analyzing portion 68 to obtain a sample image 93. If necessary, the process of coating and bathing sample collecting sheet 55 can be repeated a number of times with different chemicals to scan for wider ranges of explosives so as to obtain an accurate and comprehensive result. In any case, once one or more sample images 93 are obtained, the images 93 are analyzed for a threat residue at 95. Although various known explosive detection analysis arrangements can be employed, including spectroscopic systems, it is preferred to simply coat the sample with one or more chemicals which will chemically react with any existing explosive residue such that the residue will be readily identifiable upon be exposed to the UV light at 91. This particular technique is preferred because it is known to be accurate, involves simple and robust hardware, yet is cost effective. In any case, such explosive detection techniques are known in the art and do not form a particular aspect of the invention such that they will not be discussed further herein.
Upon completion of the analysis, an explosive detection result 97 is obtained, after which sample collecting sheet 55 is moved to a waste or collection zone in step 99. If analyzing portion 68 detects the presence of a threat in step 103, screening center 2 is caused to initiate a threat sequence, which will be discussed more fully below, in step 105 and if no threat residue is detected, screening center 2 follows a non-threat process as indicated at step 106.
At the same time sample collecting sheet 55 is being analyzed for threat residue, demographic control 75 preferably analyzes and determines a particular demographic of the subject in step 120. In the embodiment shown, demographic control 75 employs, for example, hand size, hand pressure or other feature(s), in order to determine a particular demographic of the test subject. Upon determining a particular demographic of the test subject, advertising targeted to the particular demographic is collated as part of non threat process 106. Thereafter, information is printed in step 125 onto an article or keepsake 130 which is dispensed at output portion 45. At this point, it should be noted that keepsake 130 is preferably provided with various information and data which the subject will likely wish to obtain, as well as information and data of potential interest to security personnel. For instance, keepsake 130 is preferably provided with event memorabilia on the particular event which the subject has paid to witness. This memorabilia can take various forms, such as pictures, stats, and other event information. In addition, keepsake 130 is preferably provided with targeted advertising. Furthermore, keepsake 130 contains a visual indicator on the analysis done of the sample residue.
At this point, it should be realized that each subject tested by screening center 2 receives a dedicated keepsake 130 due to the individual picture in first photo portion 140 and the hand print. It is an aspect of the invention that a requisite keepsake 130 be required, along with a ticket, invitation or the like, for each individual attempting to enter the particular venue. Therefore, each keepsake 130 is obtained outside the venue and, preferably, a substantial distance from an entry point to the venue, such as in or adjacent a parking lot for the event. Regardless, each subject wishing to enter the venue must present his/her keepsake 130 to security personnel who matches the picture to the individual and scans keepsake 130 for threat indicator 150.
For use in connection with further describing the invention,
The overall manner in which the screening command and control receives, processes and responds to pertinent information can certainly vary.
With this overall construction, it should be readily apparent that the security screening and support system constructed in accordance with the present invention provides a high throughput, interactive system for screening unknowing subjects entering a venue for exposure to explosives. The screening system provides each test subject with a keepsake which represents a piece of memorabilia in some form or fashion, is required for entry into the venue, and provides an indication of the results of the explosive test. Moreover, the system not only screens for potential security threats, but presents demographic analysis to enable targeted advertising to be presented to the subjects which can help a business offset any costs associated with installation and maintenance of the overall system. By fully integrating the screening centers at a central control, security personnel can view, monitor, respond and analyze threat situations to ensure an efficient and coordinated response to any security alerts that may occur, while also permitting training and readiness assessment.
Although described with reference to a preferred embodiment of the invention, it should be readily understood that various changes and/or modifications can be made to the invention without departing from the spirit thereof. For instance, while being described in connection with a single venue, e.g., a race track, the present invention may be incorporated into multiple venues or venues having multiple discreet areas or sections in order to ensure the safety of workers, visitors and the like. In addition, the invention can be employed in connection with various types of threats so as to be not limited to explosive detection or the specific analyzing system described. To this end, the type of sample collector, i.e. threat sensor arrangement, can be based on direct physical contact with the subject or passive in nature, such as would be the case using, for example, a radiation detector or a millimeter wave sensor. Furthermore, although the embodiment described above outlined a security personnel review of each keepsake for a threat indicator, which could be either the presence or absence of some identifying mark on the keepsake, it should be realized that a keepsake need not be issued at all to any individual who tests positive. In such an arrangement, security personnel would be dispatched to the particular screening center in order to further evaluate the individual and the threat. To this end, the mere fact that an individual has a matching keepsake would justify entry into the venue, with the keepsake review being performed by either personnel or electronic machinery. In general, the invention is only intended to be limited by the scope of the following claims.
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|Citing Patent
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|Sep 6, 2016
|Redxdefense, Llc
|Sample card system and method for optical detection using capillary action
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|Ncr Corporation
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|System and method for optical detection using capillary action
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|U.S. Classification
|340/540, 340/5.3, 340/573.1
|International Classification
|Cooperative Classification
|European Classification
|Aug 9, 2006
Owner name: REDXDEFENSE, LLC, MARYLAND
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:DUGAN, REGINA;MCVEIGH, THOMAS EMORY;KOTOWICZ, JACEK;REEL/FRAME:018173/0725
Effective date: 20060724
|Mar 8, 2013
|Fee payment
Year of fee payment: 4
|Jul 21, 2017
|Maintenance fee reminder mailed


text:
Can you tell me if I can use the internet on my iPhone 5 in Paris or do I have to notify my provider that I will be in Europe.
Also for transactions, is it advised to have Euros to pay instead of using a Visa or Master credit card? How about an American Express card? Should I get the Euros before the trip in the US?
Many thanks.
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Iphone in Paris
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As far as using the internet, you must ask your provider what the costs will be. They can be outrageous.
I use a credit card for most transactions in Europe. American Express is accepted in fewer places than Visa and MasterCard. You can read many threads here about the foreign transaction fee imposed by many cards. I use a Capital One card with no foreign transaction fee. But even if you have to pay a fee, it is likely to be smaller than the cost of buying euros in the US.
There is a division of opinion on whether to get a small amount in euros before leaving the US. You will pay more to do this than you will pay at an ATM in Europe, but for some people it is worth it to have a starter supply for peace of mind.
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Are you from the US?
Internet = mobile internet? This depends on your carrier and usage (how many MB are you looking at?) Each carrier has a web page describing international data roaming.
For lower usage: much less than 1GB
ATT Wireless, Verizon - your iPhone will surf at an outrageous rate. Get their international data roaming packages.
T-Mobile USA - no contract $50/mo service. International data roaming is included. Highspeed up to 500MB and slower after.
High data usage >> 1 GB.
Have your phone unlocked (if ATT? Verizon iPhone 5 are unlocked) and get a local SIM.
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You can turn off data roaming and use wifi only. We usually buy the smallest AT&T package for data and use wifi a the apartment or hotel
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Use of plastic is a very frequently asked question here. To sum up, most North American financial institutions (although not all, as indicated above) impose a fee of several dollars on each and every foreign currency transaction, both credit and ATM cards. It makes more financial sense to withdraw a large amount from an ATM machine (but not with a credit card) and use cash for most transactions, thus spreading the fee out. I only use a credit card for a large purchase. It is well known that American Express is not popular in Europe because of its merchant fees. And your bank will give you a poorer exchange rate than the published, wholesale figure. They want to make money on all these transactions. It's a cost of travel.
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Thank you all. Yes, I am from the U.S. and have AT&T. I haven't been to Europe in about 10 years. LOL!
Also if I may bug you kind people one more time --- what is a good app or website to know some basic French phrases or should I use iTranslator.
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Switch to T-Mobile and forget about roaming charges (data roaming and messaging are free). Local or international calls will only cost you $0.20/minute, far cheaper then even my MoviStar service.
You can use your Amex to pay your hotel bills, shopping at any major store and when dining at any of the major restaurants, but Visa and MC are preferred at smaller restaurants (cash always works) and at smaller stores.
See if your bank has a credit card with no foreign transaction fee. It will save you quite a bit. A few are now offering chip and signature cards, but the regular swipe card works well in Paris.
If you bank with Bank of America, there is no transaction fee ($5/transaction) when using the BNP Paribas ATMs, which you'll have no trouble finding in Paris.
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<<most North American financial institutions ... impose a fee of several dollars on each and every foreign currency transaction, both credit and ATM cards>>
No, that isn't what they do. They impose a percentage rate fee on foreign charges so it is a percentage of the amount, it's not a flat fee of several dollars. No US bank does that. Many banks and credit cards charge 3 pct of the amount. I do have one CC that charges 0 (Cap One) but I also have one that only charges 2 pct (the AAA Visa).
Some banks may charge a flat dollar fee for foreign ATM use, but that is usually because they charge that fee for any ATM use that is not their own bank -- they would charge it if you used another ATM in the US, also, usually. And those banks also charge the percentage foreign transaction rate markup.
AS for a good website for French phrases? I don't know apps, I'm sure there are many. The BBC has a good website with French info, holiday phrases (vacation) are on the right side. http://www.bbc.co.uk/languages/french/
I imagine most guidebooks also have basic phrases on their websites, such as Fodors, actually. http://www.fodors.com/language/french/
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Capitol one bank has a 0% intl transaction fee. I was unable to us e American Express in Paris when I tried. Use a debit card at BANK ATMs. Make photocopies of both sides of your credit cards. If you need to contact your bank (and we did) you must use a landline to call collect. Call your banks and tell them of every country you'll be visiting. They will give you the # to use to call collect. Withdraw euros once you arrive at the airport. Your stateside bank will charge outrageous sum, i know from personal experience!
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venus - so we don't lose the part of your question about using your iPhone to access data in Paris.
The two ways your phone accesses data are via WiFi and via mobile service network. If you access data in Paris via mobile service network using your US AT&T phone you will pay dearly. If you access via WiFi (which is widely available for little or no cost) you pay nothing.
Unless you turn off data roaming your phone will continuously use data when it does things like check to see if any new email has arrived.
If there are times when you will want/need to access data via the network definitely consider purchasing one of the packages offered by AT&T for foreign data roaming. www.att.com/att/global/affordable-world-packages/?data
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In addition to purchasing the smallest AT&T data package, we also get an international texting package. It is so much cheaper than making or receiving phone calls. Incoming texts are free wherever they are sent from.
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We have AT&T and do exactly the same as Judy.
Most cafes and bars have wifi (pronounced in France as "wee-fee"), just ask and if there's a code, they'll give it to you. Many hotels will also provide free wifi, but you'll need a code for each of your electronic devices -- so if you and your partner each have a laptop or Ipad and a smartphone, you'll want 4 codes. Much better than in the U.S. where some hotels that charge for wifi charge for EACH device!
For credit cards, aside from the Capitol 1 Visa and Master Cards -- and many of us have these cards just BECAUSE of the no transaction fee, the Chase Sapphire preferred Visa has no transaction fees and double points that can be used to bump up your mileage on any airline of your choosing (plus a bunch of other benefits). Another card out now is Bank of America that has a travel rewards card that has no transaction fee plus had chip and pin.
One other thing that has been periodically discussed on this forum that might be suitable to mention again in this thread, is the DCC (Dynamic Currency Conversion)-- where they ask if you want to be charged in US currency rather than local currency, but don't tell you about the "convenience" charge associated with it. See below for more details, but you should be aware of this, because it's becoming a more prevalent question posed at hotels and shops around France.
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Surfergirl, I had forgotten about that. We were in Paris in October and did some Christmas shopping at Galerie Lafayette. For every purchase we had to decline the DDC on the keypad after swiping our credit card. I hadn't noticed that before.
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Amex does not allow DCC, so it never comes up when doing a transaction.
"Incoming texts are free wherever they are sent from" You may want to double check that. They are only free if using an iPhone in a WiFi zone and the message is from another iPhone, iPad or iPod device.
The smallest AT&T data package doesn't last lone if you use the mapping feature on your phone or receive emails with attachments. I went through two 120MB plans in 15 days just checking emails and doing a few minutes of mapping to check our location while out on the road this past October.
There were no additional charges from T-Moble on our last trip where I was using email, messaging, mapping and internet searches quite often while out walking around Dublin last month. AT&T is an excellent service, but makes no sense if you travel outside of the country very often.
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Robert2533, my AT&T agent said ALL incoming texts are free and I wasn't charged for any, whether on wifi or not. Maybe something unique to my plan.
I only turned on roaming when I needed to look something up or access an app so didn't turn on mapping, etc. Mine lasted for a two week trip (but used sparingly!)
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I have been learning a lot on this site, especially about CCs.
Following advice from here, after confirming on my own, we went with Chase Sapphire Preferred (CSP) for a chip-and-signature card with 0% Foreign Transaction Fee (FTF--an abbreviation you will likely see on other sites. We applied at our local Chase bank--where they told us the required amount to get the bonus rewards was $2000 within 3 months. Online, the amount is $3000 in 3 months.
As backup, we got the USAA World MasterCard. While it has a 1% FTF, it is a true chip-and-pin. Their ATM card--the one linked to checking accounts, not savings accounts--does have a 1% FTF, but they reimburse ATM fees from banks (note, thats NOT third party ATMs).
This is a summary of what took a while for me to get when I just starting t get info.
As for phones, like you, we have iPhones through AT&T. That's my next step, getting all of that right.
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As backup, we got the USAA World MasterCard. While it has a 1% FTF, it is a true chip-and-pin.
The 1% charge on USAA credit cards is not a foreign transaction fee. It is a currency conversion fee and there is an important difference. Visa or Mastercard collect the currency conversion fees for just that, converting dollars in to euors to pay the merchant.
Foreign transaction fees are collected by your local bank (typically up to 2%) and USAA does not take money from its customers for using their credit cards outside of the USA. USAA only passes along the 1% currency conversion fee charged by Visa/Mastercard. There are banks which absorb the currency conversion fee. PenFed, Andrews FCU, some Schwab cards and Captial One are examples.
The USAA Mastercard is the only no annual fee, pin and chip card available in the US to my knowledge. Using this card while traveling, you will never be asked for a signature. All charge transactions are completed using a pin.
Their ATM card--the one linked to checking accounts, not savings accounts--does have a 1% FTF,
The USAA 1% ATM fee is again a currency conversion fee charged by Maestro/Cirrus. It is not a foreign transaction fee and USAA receives nothing for allowing its customers access to foreign ATMs. USAA simply passes along this Maestro/Cirrus fee to its customers.
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Just thought of something else you might want to look into for your travel. AT&T now offers an app you can download - AT&T Call International - which when you use with a WiFi connection provides discounted rates for voice calls. We used it on our Androids in Spain and France last summer and it was great. Believe it is also available for iPhone https://callinternational.att.com/howItWorks/howItWorks.htm
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AT&T Call International has been available for the iPhone for nearly three years, Android was a late comer. It's a VOP system and works no matter which service provider you choose.
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T-Mobile has offered free VoIP service on its Android smart phones for years. All you need is a WiFi connection and your US calls, both inbound and outbound, cost you nothing, from anywhere in the world.
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Wow! So much great information. Thanks to all.
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Sarastro, I know that you know your stuff, cause I've been reading your posts and you're always right. But whatever the fee is for USAA overseas, their website calls it a "1% fee for foreign transactions," which most would think is an FTF from the wording of the description.
(I'm hoping the link works)
I am learning some stuff in this thread, so thanks all!
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No the link doesn't. I googled USAA foreign transaction fee.
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You may call these fees anything you like propita. But to differentiate between what USAA takes and what USAA simply passes through to the user, there should be a clear distinction in understanding and terminology.
For marketing purposes, USAA may not choose to clearly define these important differences and may choose to adopt simple nomenclature of a very general nature. However, many banks do take, for themselves, a very large portion of the costs of foreign transactions and this fact should be illustrated and differences noted. USAA does not impose nor take transaction fees and it is to clarify these advantages to the consumer that I find it important to underline these differences.
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I agree, it is important. And I appreciate that you take the time to do so. I was just pointing out the wording that USAA's own website uses. Whether their choice is correct or incorrect, or makes things more or less clear to consumers, that matters.
Just to say that, I'm not disagreeing with you. I wish that US banks (and insurance companies, for that matter) were required to use the same phrasing for the same purpose. God knows I don't understand my medical plan card, with different parties using different names for the same data. Same thing with banks is all I'm saying.
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Regardless of the fee it would be nice to have a chip and pin card while in Europe. In France you can only use them at gas stations, at tolls, for parking etc. , regular swipe cards do not work ( but they are accepted in restaurants and stores). Especially for buying gas the card is important as otherwise you need to go to a manned gas station. Some small towns do not have manned gas stations. Luckily the cars are diesel so you don't need to fill up too often.
Regarding your phone, when you call your company to check ask for a "global specialist". I spoke to someone who did not know what they were talking about and my iPhone did not work in France last summer. When I got home and called them they told me to ask for the specialist next time. Maybe my phone will work in Italy this summer!
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You can get money right from the ATM in the airport. Much better exchange than you get in the states.
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I notice this thread does not include info on T mobile's plan which includes free data in 200 countries. We used this plan to text, use our google maps app, and use some apps specific to Paris - all for no charge.
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subset: commoncrawl


text:
The Government is to end an anomaly that has left passengers paying almost as much for a one-way ticket as a return.
This will be done by controlling the price of off peak walk-on single fares rather than return tickets as is currently the practice.
Currently a one way off peak ticket to Birmingham is £48, one pound less than the off peak return.
Under the new arrangements the price of a one-way ticket would fall to £24.50, half the return fare.
A trial of the new arrangements will begin in 2015 on one of the long distance intercity routes. If successful it will be extended to the remainder of the network.
It is the latest initiative to be announced by Mr Baker, the rail minister, in his drive to overhaul the arcane ticketing system.
"The advantage is that passengers will be able to mix and match their tickets," Mr Baker told The Telegraph.
"It means a single ticket will be far cheaper and would be useful for somebody going one way by rail and returning by car."
The change would also mean that somebody making a round trip would not have to pay a peak return fare if one leg of their journey was during the rush hour.
Earlier this week Mr Baker announced plans to test part-time season tickets for commuters who do not work a five-day week.
"It is all about liberating the passenger," Mr Baker said.
Other initiatives are also expected to be unveiled as part of the Government's fares and ticketing review over the next few months.
The proposals to cut the cost of one-way walk-on tickets were welcomed by Anthony Smith, chief executive of the consumer watchdog, Passenger Focus.
"Passengers will welcome the opportunity to mix and match ticket types, giving them more choice, control and flexibility.
"For example, those travelling to a sports match or business meeting may know their start time and be able to take advantage of a less-flexible but cheaper outward fare, and then be reassured that the walk-up cost of their journey back won't be almost as much as a return.
"However, it is important that this doesn't mean an overall increase in the cost of a return journey. We will be watching with interest to see if passenger value for money scores go up as a result."


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Good design makes you look good. It also communicates your message clearly to your target audience. Our artists design everything you need:
Branding goes beyond your logo. It provides your business with a unified look across media. We can fit a new printed piece into your existing brand, or create a whole new brand identity for you from the ground up. Let us design for you.
Renaissance Performing Arts / Renaissance Theatre
Logo and Branding
The Renaissance needed a new logo to show that this historic, baroque-style theatre was keeping up with the times, while retaining a vintage flair. DRM based the design and color scheme on details of the theatre's architecture, but kept it fresh by rendering it in a modern, line-art style. The logo was designed in various weights to work well at a variety of sizes across web, print, and other media.
Playtime Dental
Logo and Branding
Playtime Dental was looking for a fun and playful logo for a new children dentist office. The idea was to make a logo that was fun, colorful and looked like it was drawn like a child.
Axis Adena Special Projects Group
Logo and Branding
Axis Adena Special Projects Group. Adena Corporation is one of Central Ohio's largest General Contractors. Located in Mansfield, Ohio
Field Lab Entertainment
Logo and Branding
Field Lab Entertainment is a local record and rap recording studio in Mansfield Ohio.
Cellar Dwellers
Logo and Branding
Cellar Dwellers is in the concrete and movie business. Although their focus is primarily Ohio and neighboring states, Cellar Dwellers company have created themed environments as far west as Yellowstone Park. They also do accessories which include counter tops, sitting stumps, whiskey barrel and stump coolers, pizza ovens, mailboxes, and may other things.
Mansfield Symphony Orchestra
Logo Redesign
The Mansfield Symphony Orchestra needed a new logo to coincide with and complement the Renaissance Theatre rebranding.
Firelands Cattle Co
Logo and Branding
Firelands Cattle Co is a company that sells American Kobe Beef.
High Touch Homes
Logo and Branding
High Touch Homes logo treatment.
Weekley Chrysler Dodge Jeep, Butler Ohio
Logo and Branding
Weekley Chrysler Dodge Jeep is located in Butler Ohio. Family owned and operated dealership.
The Ashbrook Center at Ashland University
Logo Redesign
DRM updated the logo and branding for the Ashbrook Center to broaden its appeal and give it more impact.
Various Brochures and Marketing Materials
DRM has been designing the marketing materials for the Hazemag's North American division for years.
Kingwood Center Garden
Kingwood Center Garden brochure and map.
Hi-Lo Trailers
Advertising and marketing help sell many products. When done right, it gives potential customers a new understanding and increases their motivation. Showing a customer the benefits of your product over another is a time-tested answer to the information gap many businesses face in the marketplace.
The Benjamin Franklin Society Brochure for Ashbrook


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A Food diary is always useful to demonstrate a relationship with dietand head pain.
Consider dietary triggers where attacks relate to certain foods.
Consider blood sugars where attacks relate to timing of meals and sugar content of foods.
Many different approaches exist for addressing dietary problems, and triggers in relation to headache treatment and migraine treatment. It is important to address any problems in the context of the individual; and to look for other potential factors which may also be contributing to the onset of head-pain attacks. For example, an individual may have a history of neck problems, menstrual related migraines, food sensitivities, and regularly skips meals. In such cases a 'combined approach' to the problem may have more success than addressing the dietary problems alone.This means that the neck problems should be addressed, the menstrual cycle investigated (and any contraceptive issues), and food triggers removed as well as dietary habits modified.
In any case, dietary problems can be addressed to varying extents by the following professions:
1. Dietician:
These health professionals are highly trained in assessing, and modifying dietary habits. Everything from cooking methods, eating habits, and food groups can be scrutinised and modified.
2. Chiropractors, Medical Doctors, Physiotherapists, Osteopaths:
All of these professions have a certain level of training in Nutrition and Dietary issues, and can give valuable guidance in identifying problems that may be contributing to headaches and migraines. Also problems which may warrant further investigation by a specialist can be identified, and the appropriate steps taken.
3. Naturopaths:
This health care profession is also highly trained in dietary related issues, as well as natural substitutes and herbal therapies. Many headache and migraine sufferers report excellent results with some forms of herbal therapies, and naturopaths have much to offer in this area.
All dietary issues should be properly assessed, to obtain optimal results.
Dietary problems often accompany other problems and should be addressed as part of the whole headache and migraine picture.
Key Words:food triggers, dietary problems, migraine relief, headache releif, migraine treatment, food, triggers, addressing, herbal, naturopaths, dieticians, headache treatment, blood sugar levels, regular meals, eating habits, food diary, elimination diet
See Treatments Section
See Practice Directory for Health experts
All cases of headache & migraine need to be properly diagnosed by a trained health care professional first.your family doctor is ideally positioned to help make decisions with you and co-ordinate any therapeutic trials. Many cases have a number of causes (not just one), so it is important to consider a combination of therapies / or approaches when this is the case.


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PHILADELPHIA -- His play in the first quarter was so shaky that Pistons coach Rick Carlisle would only play him one more minute the rest of the half. But despite the fact his injured ankle was only 85 percent, he couldn't explode to the basket and his shot was off, Chauncey Billups at the start of overtime on Friday did what special players normally do.
He asked for the ball.
Here's all you need to know about why the Pistons advanced to the Eastern Conference finals against the Nets, and the Sixers' season came to an end. After his teammates carried the load for the entire game, Billups wanted the big shots.
Allen Iverson hit big shots for the Sixers, but a few key players appeared unwilling to offer any kind of assistance.
The result? A 93-89 win by Detroit, allowing the Pistons to advance to the conference finals that begin Sunday at The Palace against New Jersey.
Billups scored 28 points for the Pistons, nine in overtime when he hit three 3-pointers. Despite the fact that he favored the injured left ankle slightly, Billups was aggressive enough to get to the free-throw line 11 times (he hit all 11) and also had seven rebounds and five assists.
"At the start of overtime I told (his teammates) I was going to take this game over," Billups. "I was very aggressive, trying to look for my shot."
While Billups looked for his shots in such a big game, a couple of Sixers ran from shots. While Keith Van Horn grabbed 10 rebounds, he took just four shots in 45 minutes (hitting just one). Aaron McKie came off the bench and played 29 minutes, but he just took four shots.
Neither did much to help Iverson, who scored 38 points but appeared to run out of gas as he hit just three of 14 shots after halftime.
For a team with a reputation of being without a true go-to player, the Pistons have shown during the first two rounds of the playoffs that they have multiple guys capable of stepping into the spotlight.
In Game 1, Mehmet Okur hit all seven of his shots from the field. In Game 2, it was Tayshaun Prince hitting the basket to send the game into overtime. In Game 5, Chucky Atkins -- filling in for the injured Billups -- hit the game-winning shot.
But when it came down to crunch time, Billups, who sprained his left ankle in Game 1, insisted that the responsibility come down on his shoulders.
Billups hit two 3-pointers in the first three minutes of overtime.
Later, with the game tied at 89, it was Billups again who made the 3-pointer that broke an 89-89 tie.
The Pistons had a lot of heroes on Friday: Ben Wallace had 10 points and 18 rebounds, seemingly playing with an increased passion that was lacking in two games in Philadelphia last week.
Rip Hamilton had 19 points, and he also did a solid job defensively on Iverson.
Corliss Williamson had 17 points before fouling out.
And Prince stepped up yet again, scoring 14 points on offense, and doing a great defensive job on Iverson after Hamilton got into foul trouble late in the game. It was Prince's defense at the end of regulation that helped Iverson -- who didn't get to the arena until a half hour before the game -- pass up a potentially game-winning shot at the end of regulation.
"Everybody on the roster has been instrumental in us getting to this point," Carlisle said.
But no one was more valuable on Friday night than Billups, who was listed as doubtful until making the start. Billups said he almost came back from his injury to play in Game 5, but decided to wait because Atkins was playing so well. "I didn't want to be selfish," Billups said.
But he did become selfish during overtime, perfect timing for a Pistons team that won in overtime for the 10th time this season (with no losses).
"I've proved that, time and time again this year, late in game situations I've been the guy to go to," Billups said. "With Tayshaun's development and the ability of Corliss, we have a lot of options at the end of games. But more times than not, the ball's going to come to me.
"I'm not afraid to fail," Billups added. "But I'm not afraid to be a hero, either."
Jerry Bembry is general editor (NBA) for ESPN The Magazine. You can reach him via e-mail at firstname.lastname@example.com.


text:
Free Shipping over $50* 1.866.550.1455
Most orders over $50 qualify for Free Shipping!
Our price:
Reg price:
You Save:
SKU listing
Search Tags: line ski packs, line remote pack, line pack with shovel ss16acc,
The Remote Pack is a backpack designed to be worn while skiing. The durable fabric withstands wear, while the padded waist strap, sternum strap, and air mesh back panel preserve comfort. One's stores are easily accessible through the side zipper cargo pockets as is the hydration sleeve through the zippered tube port in the shoulder strap. Shovels and probes also have individual storage pockets as does a camera which can be stored in a padded pocket located on the waist strap. A diagonal ski carry permits one to haul skis into inaccessible terrain.
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text:
Join Bound In Public! Download full-length 51min 16sec movie now!
Is it a private club with members? No, it's just a pub where guys gone wild. They've tied this cute boy and added clothespins on his sexy body before fucking his pretty mouth and hot ass. Look how much pleasure the crowd has in dominating such a cutie, it makes your cock hard only thinking about what will happen
- amadeus
- : 4min
- : 29 Mar 2013
- Exclusive video


text:
Where Are They Now?
Former Pack SG Courtney Fells Drops 21 in D-League, We look back
Ahh, Courtney Fells. There is a name State fans haven't heard in a while. The shooting guard out of Mississippi was a pretty big recruit for Herb Sendek back in the day. Fells was a 6'6 SG guard with a great stroke and good athleticism who has gone on to have a successful career overseas.
As of today, Fells is playing for the NBA D-Leauge's Westchester Knicks. He's averaging 8ppg and 3 boards. All of his numbers are down (his career avg is 15ppg) in his age 30 season.
At NC State Fells averaged 10ppg and really was only dominant in spurts, but he certainly has always had his moments where he gave you a taste of what was possible. While he has flirted with making NBA rosters, he hasn't quite shown the consistency needed to make a career in the bog show. He still has time, but that window is closing. With that said, let's look back at Courtney Fells top moments.
Remember this…
Or this…
or even this a few years ago..
Why not just check out his full highlight reel from NC State..


text:
ADI does not train or provide assistance dogs . Assistance dog organisations that pass ADI's comprehensive accreditation become ADI member programs.
ADI member organisations are regularly assessed to ensure they meet the high standards expected of assistance dog programs.
ADI programs search
The ADI programs search enables you to find ADI member assistance dog organisations that provide services in your area. You can select the country you are interested in (if you are looking in the United States, you can select by State), and view details of member organisations including their contact information. You can then get in touch with the relevant organisation(s) directly to discuss your needs.
Following accredited member programs in the search results are candidate programs. Candidate programs HAVE NOT been accredited. Candidate programs pledge to meet the ADI minimum standards and are working towards accreditation.
Further information
Please visit our FAQs page for more information and answers to common questions.
Interested in becoming an accredited member?
If you would like to know more about becoming an accredited member of ADI, please visit the membership area.


text:
App store developers jobs
Hi ✓ Best Apps & Developers, I noticed your profile and would like to offer you my project. We can discuss any details over chat.
Build PHP Customised CMS and Mini--CRM for Web portal: Already Designed and Ready: . Front Design (HTML) . User Login Section Design and HTML . Required: . A completed CMS in PHP Main Features includes • PayPal payment integration • chat box or email box integration • upload and download document integration • Managed the Quotes (please refer attachment), min...
The application is already on the store, we ask you to modify some designs and add some features. The application is a social app, its grantly appreciated if you already have an experience about it. The skills necessary: - #C (harcore skills ! ) - [url removed, login to view] - .Net - MVVM - Certified Xamarin developer / Microsoft MVP is a +++ - Project
Hi, Hi, I am looking for expert Wordpress Theme developers who have developed themes and selling in any marketplace or developed for any clients. if anyone interested for developing a theme using WP Event Manager Plugin ([url removed, login to view]) or if you have good experience with WordPress customization and WP Event Manager plugin and looking
Hi ✓ Best Apps & Developers, I noticed your profile and would like to offer you my project. We can discuss any details over chat. Looking for someone to make me an app that is a person to person service app. Please look up the app THUMBTACK or TASKRABBIT. Not exactly this but the concept is similar with some changes I have in mind.
...there is no money for me and the developers before I resell the use of the system to stores in my country. The developer develops the android app and gives support on technical issues, and if we have success in the future, also develops the IOs app - there are already examples of this app on playstore. It is an app based on selling apps of stores with
Hi, We are looking for something similar than treatwell (former wahanda). Can you send a link to a similar project you have done? My price offer is only exemplary, for the task of asking. Thank You. Thomas
a. Guide the full lifecycle of a Hadoop solution, including requirements analysis, platform selection, technical architecture design, application design and development, testing, and deployment. b. Provide technical and managerial leadership in a team that designs and develops path breaking large-scale cluster data processing systems. [url removed, login to view] in Big Data architecture, Hadoop...
I need 10+ shopify apps show me your best shopify apps wokr you did. I will hire hourly for each app and you need to send me for testing the code before confirm your hours
Experience : 3 – 6 Years Expectations and Tasks Must have played a key role in end to end cloud based product development lifecycle. Must have extensively hands on in programming / coding. Sound and proven decision making skills to influence the technology choice and implementation methodologies. Sound knowledge in Object Oriented Programming Principles, Design Patterns and Software Ar...
We're looking for someone who has … - Three or more years programming in Unity (using C#). - Extensive knowledge and understanding of Unity's systems related to tools and add-ons, including Asset Bundles, Editor and Inspector windows, and asset management. - High self-motivation and drive. - The ability to actively participate and offer creative solutions to game des...
...challenge? Want some meaty development work? Want to earn money working on something more complex than a Wix site? I'm a software engineer and entrepreneur that's built a web app. It's just entering production but I need more development hours than I can provide. I'm looking to put together a remote team to pick up the slack! The details of the project
Hi ✓ Best Apps & Developers, I noticed your profile and would like to offer you my project. We can discuss any details over chat.
● Expertise in [url removed, login to view] frameworks such as [url removed, login to view] or Hapi.js. ● Write high quality and reliable code with necessary comments. ● Create unit tests cases and create/maintain document. ● Strong software development fundamentals (data structures, algorithms, problem solving, OO Design, and system architecture). ● Proven ability to carry a feature from star...
We need a cloudflare apps developer for new project. More info on [url removed, login to view] If you are able to develop on this platform reply.
We are from dennys group from Seattle. In need to update and redevelop some features of our website. Can you help me? Our website is based on angular/Node. [url removed, login to view] Before starting, you should do video call with our CTO , NDA sign, ID verification. So if your profile is fake, then don't apply.
Me and my friends have an idea to implement which requires an app. App needs to have a 'audio player', 'categories' and other menus. We are looking for freelancer in Hyderabad only.
Hi ✓ Best Web/Mob Developers, I noticed your profile and would like to offer you my project. We can discuss any details over chat.
We are looking for experienced Back-End developers to supplement our existing team of developers. As a member of our team you will be working in support of one of our International clients and their efforts to upgrade their web footprint internationally. You will be working along with our developers and the clients as part of a scrum teams. As a
There is a website that I like and want to have one similar to it. Its a music based website, I want to find out what the theme is or if its a custom development. If its a theme, this project is to install it on my server, add my logo, colours etc. Before I can accept you have to tell me if its a custom theme or one that they have bought.


text:
NZBGET is a News Downloader tool.
The NZBGET Feature pack is an interface to install and manage this tool. It can be installed on your Mybook by installing the core features Pack(http://mybookworld.wikidot.com/featurepacks ) ,
Note the following information :
- Speed is max 450kb/s due to cpu limitation
- "$" character is not supported in the password or user field.
This feature pack is only available to site members.
if you do not use the Last Feature pack installer ( with the flower button, ) you need to install this feature pack using the following :
then copy / Paste the following url in the Feature pack installer : http://highlevelbits.free.fr/download/657-375765-23754/NZBGET.tar
if you have already installed the last version of the Feature pack installer, simply click the install button in the Feature pack installer interface.
As soon as you have installed this feature pack, the following Menus will be added :
The Install Menu will allow you to install and configure NZBGET :
Then, you can Manage your NZBGET by clicking Manage :
For requesting a download, simply upload a file to the PUBLIC/WWW/NZB/nzb folder
downloaded files will be stored in PUBLIC/NZB/dst.


text:
If the nation's worst state health systems performed as well as the best, nearly 86,000 fewer people would die prematurely each year, a new report finds.
There's a nearly fourfold disparity between the best and worst state health systems, according to a new set of rankings from The Commonwealth Fund, a foundation that promotes improved health care for vulnerable and underserved populations. Not only would thousands of premature deaths be prevented, the report found, but if states provided vulnerable populations with the same quality of health care their more-advantaged residents receive, some 33,000 more infants would live to see their first birthday.
"[H]ealthier children are more likely to succeed in school and grow up to continue to participate in the workforce in the future," the report found. "A healthy population is thus instrumental in maintaining strong local and state economies, as well as the nation's economic health and well-being."
Those states with the worst performance are located almost entirely in the south and southeast United States. Those with the best are mostly in the northeast and Midwest.
In Massachusetts, 36 percent of the non-elderly population earning less than twice the poverty level was uninsured or underinsured — the lowest share in the nation. Ten states had rates of more than 60 percent: Alaska, Colorado, Florida, Idaho, Montana, Nevada, New Mexico, Texas, Utah and Wyoming.
Among some factors, low-income residents in states with the best health systems received better care than higher-income residents in lesser states, according to the report. And there were much smaller disparities among states for high-income individuals. The report concludes that covering more individuals will close the income and geographic gaps.
The report measured 30 indicators grouped into four broad categories: access and affordability, prevention and treatment, potentially avoidable hospital use and healthy lives. The standout leaders were Hawaii, Wisconsin, Vermont, Minnesota, Massachusetts and Connecticut.


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I have been hunting for the hub mob graphic to include in my hub. It is the last item, I am racing against time trying to balance work and writing. Is it possible to put the hub mob graphic in a central place? I was able to follow the instructions for the RSS feed but I did not find any to locate the hub mob graphic. Consider me slow, learning disabled or whatever. I have tried to find the last element before I publish; and I am running out of time.
Ditto to what I said before.If you are getting the hubmob topic from the thread in the forum, you can get the graphic there.
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Many people equate being arrested with being taken into custody, but in Virginia after a person is arrested, the police make a decision regarding whether to take the person into custody and transport the person to jail or give the person a ticket / summons and let the person go. What people call a ticket in Virginia is actually a Virginia Uniform Summons and it is an official document which provides notice to someone that he or she has been accused of a specific offense and provides information about the date and time the matter will be heard by a Court.
In certain situations, Virginia law allows officers to give someone a ticket / summons, rather than taking the person into custody. When this happens, the person is said to have been "released on a summons." For example, if you have ever been stopped by police and given a ticket for Speeding, Disregarding a Stop Sign or some other traffic infraction, you may not have even realized it, but you were arrested and released on a summons. Most times when someone is released on summons it is due to a misdemeanor charge.
If you have been issued a ticket / summons and are accused of DUI / DWI or some other Criminal or Traffic violation and would like to speak with a Virginia DUI / DWI, Criminal & Traffic Defense Lawyer, call The Wilson Law Firm at 703-361-6100 and we'll be happy to discuss your situation with you in more detail.


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Multiple Deaths
Several street races across the U.S. with multiple fatalities:
May 11, 2003: Three men were killed when their Toyota Celica hit a utility pole after a race with another car on University Boulevard in Silver Spring.
Jan. 27, 1999: Three teenagers racing against friends after school were killed when their car crossed into the path of a U-Haul truck in Lusby in Calvert County. The driver of the truck died of his injuries several weeks later.
Nov. 30, 1996: A car racing on an interstate in Baker, Calif., broke through the center barrier and struck an oncoming car, killing a total of six in both cars.
Oct. 11, 1993: Two spectators were killed in Miami when two cars collided and slid into a crowd.
July 31, 1988: Six people were killed when their car went airborne and crashed into a utility pole in Marion, Ind.


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In the attachment from a set of notes, a brief description of how we describe a continuous measurement is described. I have a few basic questions regarding this, any assistance would be appreciated:
- I think the motivation for defining is to define it as the error per measurement such that the variance (3.5) does not change with increased . Is this correct and how is this achieved by introducing (and ) and endowing it with variance ?
- Why is (3.8) defined in this form?
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Space Wolf by DiegoGisbertLlorensWatch
©2013-2017 DiegoGisbertLlorens
I started with no clear idea in mind and OPS! Another Space Marine...
I like his smile. He's sooooo cool
I'm liking his beard
Very cool! Even on the level of sketch. Keep it up, man. You are awesome!
That really cheers me up! Come and join my livestream channel if you want to see how this evolves. I´ll publish the time and date of each session in my fb page.
Awesome sketch. Deserves to be finished.
very nice
Umm wolf
Finish it! that looks awesome! Love the face, he looks like a Pissed off viking
it happens XD


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Networking, and helping our member businesses connect with customers and other businesses, is at the heart of why the Goddard Chamber of Commerce exists.
We provide those opportunities through our monthly general membership meetings, our quarterly and annual mixers, working side-by-side during community events, and other service opportunities.
Not only do these events help us get to know others involved in the Goddard and West Wichita business communities, but we also have a lot of fun together as we build business contacts, friendships, and a stronger community.
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Overnight Steel Cut Oats
Hello and welcome to the latest chapter in our lives without a stove: Slow Cooker Overnight Steel Cut Oats. This oatmeal recipe is healthy, freezer-friendly, and cooks entirely in the crock pot while you sleep. When I awoke to the scent of warm cinnamon and sweet bananas wafting from my kitchen, I felt like my home had been turned into a bed and breakfast!
Our stove has been broken for three weeks, a tragedy that, while frustrating, has pushed me to embrace my slow cooker with a passion I didn't realize I could muster for an appliance. I've seen overnight steel cut oatmeal recipes floating around the web for ages, but it took our stove's demise to push me to finally try it myself. Friends, I need to do a lot of overnight oatmeal eating to make up for lost time—this recipe is fabulous!
If you've never had steel cut oats, prepare yourself for a serious oatmeal upgrade. Steel cut oats (whole oats that have been cut into a few pieces) are significantly less processed than instant oats, which are steamed, pressed, ground, and otherwise obliterated. This means that, unlike instant oatmeal, which has all the flavor and texture of a pile of wet sawdust, steel cut oatmeal has a hearty, pleasing texture and nutty taste. As a bonus, because steel cut oats take your body longer to break down, they keep you fuller too.
The one downfall of steel cut oats is that they take 30 minutes to cook on your stovetop, which is about 26 minutes longer than I'm willing to wait for my breakfast on an average morning. This recipe for overnight steel cut oats made in the slow cooker is the perfect solution. All of the oatmeal magic happens in the crock pot overnight, so in the morning, the only waiting you'll do is for the coffee to brew.
To give my overnight steel cut oats some pizzazz, I took inspiration from my favorite healthy banana nut muffins and added mashed ripe bananas, cinnamon, and nutmeg to the oats before they cooked. The result was a filling, healthy breakfast with the cozy flavor of freshly baked banana bread.
Inspired by this banana bread theme, I couldn't stop myself from topping my overnight steel cut oats with extra banana slices and walnuts. Combined with the bananas in the oatmeal itself, this was just the right amount of sweetness for me. If you prefer your oatmeal on the sweeter side, I suspect a drizzle of pure maple syrup or honey would do the trick.
Chocolate chips and a giant dollop of peanut butter wouldn't hurt one bit either.
This recipe makes a big batch of slow cooker oatmeal, which I assure you will be happy to have on hand. Cooked overnight steel cut oats keep well in the refrigerator for days and in the freezer for months. To reheat, simply mix your desired portion of steel cut oats with a little water or milk and warm it in the microwave. I froze my leftovers in portioned containers, and I pull out a few at the beginning of each week. I love waking up knowing that I'm just a few minutes away from a warm, healthy bowl of steel cut oatmeal, with no work beyond lifting my spoon required.
Tools I used to make this recipe:
Banana Slow Cooker Overnight Steel Cut Oats
Slow cooker overnight steel cut oats that taste like yummy banana bread. Just put the ingredients in your crock pot and in the morning, breakfast is served!
Yield: Serves 6
Prep Time: 10 minutes
Total Time: 8 hours
- 1.5 cups steel cut oats (do not substitute quick cooking, instant, or rolled oats), gluten free if needed
- 4 cups water
- 2 cups milk, any kind you like (I used skim)
- 2 large mashed ripe bananas, plus additional banana slices for serving
- 3 tablespoons ground flaxseed meal*
- 2 teaspoons pure vanilla extract
- 1 1/2 teaspoons ground cinnamon
- 1/2 teaspoon freshly grated nutmeg (it's an amazing flavor upgrade to grate your own nutmeg. I use this zester to do it.)
- 1/2 teaspoon kosher salt
- For serving: chopped toasted walnuts, raisins, chocolate chips, maple syrup, peanut butter, or any other mix-ins you enjoy with banana bread
- Place all of the ingredients except the toppings in the bottom of a 4-to-6-quart slow cooker and stir to combine: Steel cut oats, water, milk, mashed bananas, flaxseed meal, vanilla, cinnamon, nutmeg, and salt. Cover and cook on low for 7-8 hours (overnight) or on high for 4 hours, until the oats are soft but maintain a bit of chew. Remove cover and stir to evenly combine the ingredients. Enjoy warm with desired toppings.
Overnight steel cut oats can be refrigerated for up to 1 week or frozen for up to 2 months. To reheat, top desired amount with a few tablespoons of water or milk, then warm in the microwave or in a small saucepan until hot. If the oatmeal is frozen, let thaw overnight in the refrigerator first.
*The ground flaxseed meal I added for a nutritional boost. If you don't have it or do not wish to add it, simply omit it. You can also substitute chia seeds or hulled hemp seeds.
Nutrition Facts
Serving Size: 1 (of 6, without toppings—about 1 1/4 cups)
- Amount Per Serving:
- Calories: 229
- Total Fat: 4g
- Saturated Fat: 1g
- Cholesterol: 2mg
- Sodium: 141mg
- Carbohydrates: 39g
- Fiber: 6g
- Sugar: 6g
- Protein: 9g
Did you try this recipe? I want to see! Follow Well Plated on Instagram, snap a photo, and tag it #wellplated. I love to know what you are making!
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107 comments
I just got on the slow-cooker overnight oats train about three weeks ago myself, and holy moly it's game changer. Nothing like waking up to hearty oats waiting for you (and that smell!!!) Can't wait to try your version – bananas sound heavenly!
I need more of these recipes in my life! I am a BIG fan of anything banana bread flavored! Also, I wanted to tell you that I was thinking of you yesterday when you posted about your father's birthday. Just know that his love will continue to shine through you. Love you friend!
Believe it or not, I JUST came into possession of a slow cooker thanks to project cohabitation :) And I've been dying to try overnight steel cut oats! Also, your new dark wood backdrop is totally dreamy.
hey girl this would be fabulous!!
I can swap out the milk for a non dairy version?
I've been eating this recipe every morning for almost 3 weeks now. I first made it with coconut almond milk in place of the milk, the second time I replaced th he milk entirely with water. The taste is still full, and lost no "mouth feel" as my husband says. Very forgiving recipe. Whenever I've made the recipe without milk or butter I've upped the amount of cinnamon and vanilla.
I've played around with this recipe a great deal, always using the core ingredients, but I found I'm able to throw handfuls of dried cranberries, whatever raisins, nuts, and even a couple of diced up Granny Smith apples.
Hi Erin, this looks so good – I want some right now!! Hubbybwas just asking for a batch of oatmeal…we'll give your a try!
I love slow cooking steel cut oats! It's the best way to eat them. Great recipe, dear!
I love the taste of steel cut oats the best, but like you said, aint nobody got patience for them in the morning! I love that I can wake up to the delicious smell of banana oatmeal and not have to actually make a mess in the kitchen! This recipe is da bomb :)
I'd definitely take you up on that chocolate and peanut butter addition! Something about that Elvis combo of banana, chocolate, and PB is just irresistible :)
This looks fantabulous, my dear! I might not be able to enjoy it sadly on account of the bananas, but I do know the wee one and the husband would devour it for days!
I completely agree with you on steel cut oats. While I love oatmeal. I find steel cut oats, with their nutty bite, far more enjoyable. Plus the slow cooker method rocks. I used to stand at the stove stirring adn sitrring. We enjoyed every bite, but the standing and stirring got old, and so did I. Then I discovered the oven-method – from Marion Cuinningham, I think. From there it was a short hop to the (as we used to call it) the crock pot. What a great method. I love your additions of flaxseed and spices. These sound wonderful. Eat your oats!
I love having overnight oats for weekday breakfasts! The banana bread flavor sounds so good!
Always looking for a great overnight oats recipe; the banana bread flavor sounds amazing; looking forward to making it :)
I made this last night. I was a little underwhelmed when I found that it had stuck to the pot and was pretty bland. A little coconut oil would prevent the sticking and add richness. I added some to my serving and it was great. Also, I know many people like to sweeten their oatmeal after serving, but I have an 8 yr old who serves herself. She is not allowed to add sugar, honey, maple syrup, candied ginger or banana chips on her own. I learned my lesson long ago. I added a little brown sugar (I only needed 2 Tablespoons for the whole pot) and she loved it. We are taking this recipe to the slopes next weekend. It's perfect for bunch of skiers!
I made this last night, too. I have kids so I added a little brown sugar. The flavor was very good, but the texture was pretty gloopy. Much of the oatmeal ended up dark brown and stuck to the sides of the slow cooker. I was hoping for a little more chew to the oats. Just hard to adjust cook time when you're sleeping :)
I'd love to try this but wondering if there is something I could substitute for the ground flaxseed meal? Thanks!
I made this last night with a couple of variations from previous posters. I added 1 tbsp of coconut oil and 2 tbsp of brown sugar. It turned out so good!! I've added a small amount of raisins, chocolate chips and sunflower butter as a topping and it's just perfect! Thank you!!
Sadly, I read this and realized you cannot use quick cook steel cut oats! If I do, would you have any suggestions as how to modify the recipe?
Thanks for the suggestion, that's just what I did this morning and my son and I loved it!
Have you ever tried this w/ dried bananas? Bananas don't last long in my house, but I do have a bag of bananas I dehydrated myself.
I'm trying to work with some gluten free rolled oats I have (I see that it says not to substitute these). I'm new to the slow cooking game, cooking in general if I'm honest, so is there any particular reason for not using rolled? Is it just a texture thing, or will the taste be wrong? I really wanna try out this recipe
Do you think you could double or triple this recipe for a large group in a standard sized crockpot?
This recipe essentially was my introduction to steel-cut oats, and I was looking for something–like you–that didn't take forever and a day when I wanted something fast. I liked the efficiency it provided but might adjust upwards the "banana bread" components to get more of that flavor–especially the bananas. I really like the way it reheats–thank you for the tip on adding milk/water during the reheating to help loosen it up. 2 T (milk) added to one cup of the final product, then heated on high for 3 minutes (stir after two) seemed to be a good combination for me.
Thank you!
Just curious, what's wrong with rolled oats?
Tried this last night for the first time and was disappointed with the texture… I've been eating steel cut oats for a while and didn't expect them to turn so "mushy" in the slow cooker. The flavours were great, but the texture definitely was not. I followed the directions, using 4 cups of water and 2 cups of 1% milk. I had it on low for 8 hours. Would you have any suggestions to improve the texture? Less liquid? Doing the 4-hour version on high? I really like the flavour so I would like to make this work! Thanks
I too tried this last night with the same measurements of oats, milk, and water, and unfortunately I had the same mushy result. When I originally combined the ingredients, my husband and I agreed that we probably should have used two cups of oats and half the amount of water. However, we decided to trust the recepie and take it from there. Next time we will try more oats and less water. We love using our slow cooker and loved the idea of this warm, cozy breakfast. We do have a more basic cooker without the bells and whistles, but I'm sure it works all the same :)
I ate this again this morning and have everyone at work questioning me about what I'm eating and how can I eat it every single day? This banana recipe is wonderful, I don't remember ever eating the same food every day before but each time I have my oats they still "taste great and no desire to eat something else". You know your hooked when you pass up the donuts at work, and other junk food. I've also noticed I eat a great deal less during the day since I started eating this recipe for breakfast. I'm up at 5:30 every single day, eat my banana oats around 8 .I graze on it all morning at my desk at work, I eat nothing else..no coffee break snack, and most days I find its 3:00 and I've forgotten to eat my lunch. My clothes are fitting better, less muffin top. :)
I just made this last night, but instead of using my slow cooker, I used the stove-top method. I brought the water/milk to a gentle boil, added the oats and brought them to a rolling boil. Once at a rolling boil, I reduced to a simmer and added the spice mixture. After about 20 minutes, I added the mashed banana and vanilla. After 10 more minutes I pulled the pot off the stove and let the oats sit until they reached room temp so I could place in the fridge. I had a bowl this morning and it was perfection! I only added 1tsp of light brown sugar to my serving this morning. Thanks so much for this wonderful recipe. The spices were just right and the bananas added perfect sweetness.
I left the flax out because I didn't have any and my oats are a soupy mess. I followed the recipe to the T and even let it cook on low for 8 and 1/2 hours. Should I have added more oats to compensate for the flax?
Just made this and it was fantastic!! So happy with the results. Doesn't even need brown sugar for me!! I wanted to eat the whole pot!
Could you state what the serving size for the calories you posted above?
I made this last night and the only changes I made were adding 1 T. coconut oil and 2 T. brown sugar. And the only problem was that it smelled so good while it was cooking that it actually woke me up at 4am lol :) It was really good and super filling! I'll be making this again for sure! Thanks for sharing such a great recipe.
Love steel cut oats but, like everyone else, I hate that they take so long to cook. Who has time for that in the madness that is most weekday mornings!?!? Add the banana bread inspired flavors to cooking the steel cut oats overnight in the slow cooker and I'm in banana oatmeal heaven. You are this week's kitchen shortcut hero, Erin!
im making this,tonight. I used coconut almond milk, do fingers crossed. I also used crock pot liner, so hopefully wont stick.
I'm going to make this tomorrow morning for breakfast. I know from sad experience that nothing can redeem overnight steel cut oats from my slow cooker. It must be super hot. I've figured out that If I soak the oats overnight, they take just a fraction of the time they normally require on the stove. I'm sure they won't be quite the same as your overnight oats are but I'll never know and ignorance will be bliss! 😋
Hi there! I tried this and it smelled so good cooking! However, in the morning, it was so soupy! It just seemed wrong and looked nothing like the photo. Is it really this much liquid to only 1.5 cups oats? Help!
Has anyone had a problem with the oats sticking or burning? I haven't tried this recipe yet but another overnight recipe I tried burned and stuck no matter how often you stirred.
Anyone know the 21day fix container count? This was really good and makes a lot!!
Am I reading this recipe correctly? You only use one and a half cups of oatmeal?
I made this recipe over the weekend and something just wasn't right when I ate it. It smelled AMAZING when cooking, but when I ate it the next morning the after taste was really weird… The only difference I did was adding an extra banana because I had 3 and didn't want to throw the one away, I also cooked it on high for 4 hours. Would the extra banana have anything to do with it…? Or would it have been the 2% milk I used? I love almond milk and have heard almond milk holds up a little better in the crock pot than regular milk..
What do you think I did wrong to make the after taste not quite right…?? I really want to get this recipe right, it sounds terrific!
Thank you!!!
No we had bought the milk the same day, ok I will try it with less bananas and see if that helps. Could it have been that I cooked it on high instead of low…?
Thanks and I will have to try that pumpkin one!
Ok thank you!


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Pulse Position Based Modulation Techniques for Optical Communication
Intensity Modulation with Direct Modulation (IM/DM) favors low duty cycle modulation schemes such as Pulse Position Modulation (PPM) and Multiple PPM (MPPM). In this paper, the channel model over IM/DD is introduced. Then, a brief summary is given about some of the modulation techniques used in this area. Finally, some of the pulse position based coded modulation techniques are reviewed. The most practical modulation technique in a wireless optical system is Intensity Modulation and Direct Detection (IM/DD). In this modulation technique, the information is modulated using the instantaneous power of the carrier and special detection devices such as photocurrent diode are used to convert the instantaneous power of the signal to an electrical current.