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19 February, 2016
This final section of the chapter discusses situations in which the firm might actually consider ending the relationship and how that might occur,in the next chapter we discuss situations in which the customer might decide to terminate the relationship and switch providers.
The assumption that all customers are good customers is very compatible with the belief that "the customer is always right",an almost sacrosanct tenet of business.Yet any service worker can tell you that this statement is not always true,and in some cases it may be preferable for the firm and the customer to not continue their relationship.
A company cannot target its services to all customers,some segments will be more appropriate than others.It would not be beneficial to either the company or the customer for a company to establish a relationship with a customer whose needs the company cannot meet.
For Example: A school offering a lock step,daytime MBA program would not encourage full time working people to apply for its program nor would a law firm specializing in government issues establish a relationship with individuals seeking advice on trusts and estates.
In the absence of ethical or legal mandates,organizations will prefer not to have long term relationships with unprofitable customers.Some segments of customers will not be profitable for the company even if their needs can be met by the services offered.
Example: This situation are when there are not enough customers in the segment to make it profitable to serve,when the segment cannot afford to pay the cost of the service,or when the projected revenue flows from the segment would not cover the costs incurred to originate and maintain their business.
Managers have repeated the phrase "the customer is always right" so often that you would expect it to be accepted by every employee in every service organization.So why isn't it? Perhaps because it simply is not true.The customer is not always right.No matter how frequently it is said,repeating that mantra does not make it become reality,and service employees know it.
08 January, 2016
Switching barriers tend to serve as constraints that keep customers in relationships with firms because they however firms can engage in activities that encourage customers to remain in the relationship because they creating relationship bonds.
Leonard Berry & A.Parasuraman have developed a framework for understanding the types of retention strategies that focus on developing bonds with customers.
Level :1 Financial Bonds:
The customer is tied to the firm primarily through financial incentives lower prices for greater volume purchases or lower prices for customers who have been with the firm a long time.
Many travelers belong to several frequent flyer programs and do not hesitate to trade off among them.Although price and other financial incentives are important to customers,they are generally not difficult for competitions to imitate because the primary element of the marketing mix being manipulated is price.
# Volume and frequency reward
# Stable pricing
# Bundling and cross selling
Level :2 Social Bonds:
The firm through more than financial incentives.Although price is still assumed to be important,strategies seek to build long term relationships through social and interpersonal as well as financial bonds.Customers are viewed as clients not nameless faces,and become individuals whose needs and wants the firm seeks to understand.
# Continuous relationship
# Personal relationship
# Social bonds among customer
Level :3 Customization Bonds:
Level 3 strategies involves more than social ties and financial incentives,although there are common elements of level 1 and 2 strategies encompassed within a customization strategy and vice versa.Two commonly used terms fit within the customization bonds approach mass customization and customer intimacy.
# Anticipation
# Mass customization
# Customer intimacy
Level: 4 Structural Bonds:
Level 4 strategies are the most difficult to imitate,they involve structural as well as financial,social and customization bonds between the customer and the firm.Structural bonds are created by proving services to the client that are frequently designed right into the service delivery system for that client .
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13 November, 2015
Relationship value of a customer is a concept or calculation that looks at customers from the point of view of their lifetime revenue and profitability contributions to a company.This type of calculation is needed when companies start thinking of building long-term relationships with their customers.
Factors That Influence Relationship Value:
The Lifetime or relationship value of a customer is influenced by the length of an average "Lifetime" the average revenues generated per relevant time period over the lifetime,sales of additional products and services over time,referrals generated by the customer over time,and costs associated with serving the customer.
Estimating Customer Lifetime Value:
If companies knew how much it really costs to lose a customer,they would be able to accurately evaluate investments designed to retain customers.One way of documenting the dollar value of loyal customers is to estimate the increased value or profits that accrue for each additional customer who remains loyal to the company rather than defecting to the competition.
Linking Customer Relationship Value to Firm Value:
The emphasis on estimating the relationship value of customers has increased substantially in the past decade.Part of this emphasis has resulted from an increased appreciation of the economic benefits that firms accrue with the retention of loyal customers.
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Download File : Click Here
06 November, 2015
Both parties in the customer firm relationship can benefit from customer retention.This is,it is not only in the best interest of the organization to build and maintain a loyal customer base,but customers themselves also benefit from long term associations.
Benefits for Customers:
Assuming they have a choice,customers will remain loyal to a firm when they receive greater value relative to what they expect from competing firms.Value represents a trade off for the consumer between the components.
Confidence Benefits:
Confidence benefits comprise feeling of trust or confidence in the provider along with a sense of reduced anxiety and comfort in knowing what to expect.One customer described his confidence that resulted from having developed a relationship with a service provider.
Social Benefits:
Over time,customers develop a sense of familiarity and even a social relationship with their service providers.These make it less likely that they will switch,even if they learn about a competitor that might have better quality or a lower price.This customer's description of her stylist in a quote from the research just cited illustrates the concept of social benefits.
Special Treatment Benefits:
Special treatment includes getting the benefit of the doubt,being given a special deal or price,or getting preferential treatment as exemplified by the following quotes from the research.
Benefits for Firms:
The benefits to organization of maintaining and developing a loyal customer base are numerous.In addition to the economic benefits that a firm receives from cultivating close relationships with its customers,a variety of customer behavior benefits and human resource management benefits are also often received.
Economic Benefits:
Research reveals that over the long run,relationship-oriented service firms achieve higher overall returns on their investments than do transaction oriented firms.These bottom line benefits come from a variety of sources,including increased revenues over time from the customer,reduced marketing and administrative costs,and the ability to maintain margins without reducing prices.
Customer Behavior Benefits:
The contribution that loyal customers make to a service business can go well beyond their direct financial impact on the firm.The first and maybe the most easily recognized,customer behavior benefit that a firm receives from long term customers is the free advertising provided through world of mouth communication.
Human Resource Management Benefits:
Loyal customers may also provide a firm with human resource management benefits.First,loyal customers may,because of their experience with and knowledge of the provider,be able to contribute to the co-production of the service by assisting in service delivery.often the more experienced customers can make the service employees job easier.
30 October, 2015
Scholars have suggested that marketing exchange relationships between providers and customers often have the potential to evolve from strangers to acquaintances to friends to partners.
1.Customers as Strangers:
Strangers are those customers who have not yet had any transactions with a firm and may not even be aware of the firm.At the industry level,strangers may be conceptualized as customers who have not yet entered the market,at the firm level,they may include customers of competitors.clearly the firm has no relationship with the customer at this point.Consequently,the firm's primary goal with these potential customers is to initiate communication with them in order to attract them and acquire their business.
2.Customers as Acquaintances:
Once customer awareness and trial are achieved,familiarity is established and the customer and the customer and the firm become acquaintances,creating the basis for an exchange relationship.A primary goal for the firm at this stage of the relationship is satisfying the customer.In the acquaintance stage,firms are generally concerned about providing a value proposition to customers comparable with that of competitors.For a customer,an acquaintanceship is effective as long as the customer is relatively satisfied and what is being received in the exchange is perceived as fair value.
3.Customers as Friends:
As a customer continues to make purchases from a firm and to receive value in the exchange relationship,the firm begins to acquire specific knowledge of the customer,s needs,allowing it to create an offering that directly addresses the customer's situation.The provision of a unique offering,and thus differential value,transforms the relationship from acquaintance to friendship.A primary goal for firms goal for firms at the friendship stage of the relationship is customer retention.
4.Customers as Partners:
As a customer continues to interact with a firm,the level of trust often deepens and the customer may receive more customized product offerings and interactions.The trust developed in the friendship stage is a necessary but not sufficient condition for a customer firm partnership to develop.That is the creation of trust leads to the creation of commitment and that is the condition necessary for customers to extend the time perspective of a relationship.
28 August, 2015
Relationship marketing essentially represents a paradigm shift within marketing away from an acquistitions focus towards a retention focus.Relationship marketing is a philosophy of doing business,a strategic orientation,which focuses on keeping and improving relationships with current customers rather than on acquiring new customers.This philosophy assumes that many consumers and business customer prefer to have an ongoing relationship with one organization than to switch continually among providers in their search for value.Building on this assumption and another that suggests it is usually much cheaper to keep a current customer than to attract a new one,successful marketers are working on effective strategies for retaining customers.
"Relationship marketing is the process of creating,maintaining and enhancing strong value,laden,relationship with customer and other stockholders."-->Philip Kotler.
"The term relationship marketing is an organization effort to develop a long term cost effective like with individual customers for mutual benefit."-->Kevin&Herley.
Strong Value.
Finally we can say,Relationship marketing is the process of creating,maintaining and enhancing strong value,laden,relationship with customer and other stockholders.
Download Tutorial :Click Here
"Relationship marketing is the process of creating,maintaining and enhancing strong value,laden,relationship with customer and other stockholders."-->Philip Kotler.
"The term relationship marketing is an organization effort to develop a long term cost effective like with individual customers for mutual benefit."-->Kevin&Herley.
Strong Value.
Finally we can say,Relationship marketing is the process of creating,maintaining and enhancing strong value,laden,relationship with customer and other stockholders.
Download Tutorial :Click Here
26 June, 2015
The research uses the critical incident technique to get customers and employees to provide verbatim stories about satisfying and dissatisfying service encounters they have experienced.Each of the themes is discussed here and sample stories of both satisfying and dissatisfying incidents for each theme are given in-
1.Recovery-Employee response to service delivery system failures:
The first theme includes all incidents in which there has been a failure of the service delivery system and an employee is required to respond in some way to consumer complaints and disappointments.The failure may be,for example,a hotel room that is not available,an airplane flight that is delayed six hours,an incorrect item sent from a mail order company,or a critical error on an internal document.The content or form of the employee,s response is what causes the customer to remember the event either favorably or unfavorably.
2.Abaptability-Employee response to customer needs and requests:
A second theme underlying satisfaction in service encounters is how adaptable the service delivery system is when the customer has special needs or requests that place demands on the process.In these cases,customers judge service encounter quality in terms of the flexibility of the employees and the system.
3.spontaneity-Unprompted and unsolicited employee actions:
Even when there is no system failure and no special request or need,customers can still remember service encounter as being very satisfying or very dissatisfying.Employee spontaneity in delivering memorably good or poor service is the third theme.Satisfying incidents in this group represent very pleasant surprises for the customer.
4.Coping-Employee response to problem customers:
The incidents categorized in this group came to light when employees were asked to describe service encounter incidents in which customers were either very satisfied or dissatisfied.In addition to describing incidents of the types outlined under the first three themes,employees described many incidents in which customers were the cause of their own dissatisfaction.
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Rajasthan university(Uniraj) MA,M.Sc,M.Com,BCA,MCA Time Table 2017 is ready for all the students. Guys please stay connected with us for downloading the Time Table and for the latest updates regarding the Date Sheet.
Rajasthan University(Uniraj) MA, M.Sc, M.Com, BCA, MCA Time Table 2017 – uniraj.ac.in
Hi Everybody, We have very good news for all the students who are surfing the net for the Rajasthan University MA/M.Sc/M.Com/BCA/MCA Time Table 2017. The Rajasthan University has been published the MA/MSc/MCom/BEd Time Table 2017 for all the semesters. The Rajasthan University PG Time Table 2017 is available at the official website. The Uniraj MA/ M.Sc/ M.Com Time Table 2017 has published on the Rajasthan university's official website. All the aspirants may know their RU PG Date Sheet 2017 by this online web page. The Time Table for the remaining courses will disclose in the few days. So, the students have suggested that the students are check our webpage regularly. Because The Rajasthan University 4th/5th/6th Semester Time Table 2017 may publish it in anytime. For complete information about Uniraj PG Time Table 2017 check our web page and official website regularly. Every Year the University of Rajasthan organize the Annual Exam in March/April Month. The Students who are studying in Rajasthan University are looking for Rajasthan University Time Table 2017 for Examination planning. So they are now able to download online Uniraj Time Table 2017 for academic year 2016-17 from our webpage. On this page we are going to update all links regarding downloading Exam Schedule 2017. All the Students (Private, Regular, Non-Collage (NC) and Ex-Students) can download 1st Year, 2nd Year, 3rd Year, Previous and Final Exam Date and can download Rajasthan University Time Table 2017 from here.
Rajasthan University (Uniraj) BA Time Table 2017
Rajasthan University(Uniraj) MA, M.Sc, M.Com Time Table 2017
Every year, Many number of students apply for the various Postgraduate course in Rajasthan University. Students apply for different courses because they want certificate from the university. All the Students work hard for the examination and they always prefer timetable for the strong preparation. This year also It's going same. Because a very huge amount of students are going to take participate in the Rajasthan University PG Examinations 2017. And the Examination will start from March 2017. Students are advised to stay connected with us for latest updates regarding the time table.
Rajasthan University(RU) PG Time Table 2017
Rajasthan University MA, M.Sc, M.Com, BCA, MCA Time Table: At presant students who are pursuing in PG courses in Semester 1st are able to download these courses exam date sheet/time table 2017 from the official website. Students may also download their upcoming respective time table 2017 from here when it will officially declar by the board of University. We are also updating latest releases of time table which is published by the Rajasthan University. Finally, students who are looking for the Time Table prepare accordingly Rajasthan University 1st/2nd/3rd Semester Time Table 2017, they can use following details to get their time table for prepare as per time table.
University Of Rajasthan MA, M.Sc, M.Com, BCA, MCA Time Table 2017
The University of Rajasthan is most famous universities in the Indian state Rajasthan. The other name of the University of Rajasthan is Rajasthan University/RU/UniRaj. The university was come out in nature on 8th January 1947 as the previous name University of Rajputana. The University name was changed in the year 1956. There are 500 colleges, 6 consultant colleges & 15 recognized research centers have affiliated under University of Rajasthan (RU).
- Name of The University: Rajasthan University
- Courses: PG (MA, M.Sc, M.Com, BCA, MCA)
- Category: Date Sheet/Time Table
- Time Table Status: Available.
- Starting Date of Examination: January 2017.
- Official Website: www.uniraj.ac.in
How To Download Rajasthan University PG Time Table 2017
- Firstly go to the official website – www.uniraj.ac.in
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Rajasthan University B.Com 1st, 2nd, Final Year Time Table 2017 – uniraj.ac.in
Rajasthan University B.Sc Part I, II, III Time Table 2017 – uniraj.ac.in

subset: commoncrawl


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Cape Verde Genealogy
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Cape Verde was probably discovered in 1456 by Luigi da Cadamosto, who at that time was in service to Prince Henry the Navigator of Portugal (Henrique o Navegador); the islands showed no signs of any previous human settlement. In 1462, São Tiago was the first island to receive settlers. Plantation agriculture was established by the Portuguese community and worked by African slaves, who were brought in from the adjacent Guinea coast. Read more...
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Saskatchewan Roughriders slotback Geroy Simon can join a select group Saturday against the Montreal Alouettes.
Simon needs two catches to become the third player in CFL history to accumulate 1,000 career receptions. The 15-year veteran is the all-time receiving yards leader (15,981) and third in career catches behind Ben Cahoon (1,017) and Terry Vaughn (1,006).
After missing the beginning of the season with a leg injury, Simon, 37, has nine receptions for 194 yards and a touchdown in three contests.
Fantuz returns
The Hamilton Tiger-Cats will have veteran slotback Andy Fantuz in the lineup when they visit Winnipeg on Friday.
Fantuz has been out since Hamilton's season opener with a hamstring injury. The former University of Western Ontario star opened the 2013 campaign with 10 catches for 155 yards and a touchdown in a 39-34 road loss to Toronto. But the eight-year CFL veteran was hurt the following week during practice and has been out since.
Hamilton (2-4) has struggled without Fantuz, the CFL's top Canadian in 2010, but the offence hasn't. The Ticats have the league's top passing attack, averaging 307 yards a game.
The 6-foot-4, 221-pound native of Chatham, Ont., will bring a veteran presence to Hamilton's receiving corps while giving quarterback Henry Burris another reliable target.
DeAngelis in lineup
Veteran kicker Sando DeAngelis will make his Winnipeg debut Friday against Hamilton.
DeAngelis, 32, of Niagara Falls, Ont., signed with Winnipeg last Tuesday, and will handle kickoffs and field goals. Veteran kicker Justin Palardy had appeared in 53 consecutive games for the Bombers.
Winnipeg becomes DeAngelis's fifth team in his nine-year CFL career. He spent five seasons with Calgary (2005-09) before joining the Ticats as a free agent in 2010.
Hamilton released DeAngelis on May 24, 2011, and he signed with Montreal, He spent the 2011 season with the Alouettes, before receiving his release in February of 2012.
Vega a free agent
Former Winnipeg Blue Bombers defensive end Jason Vega was released by the NFL's New England Patriots this week, but that doesn't mean he's immediately poised to return to Manitoba.
Vega is a CFL free agent and, upon clearing NFL waivers, will be free to sign with any team he wishes.
The 6-foot-4, 255-pound Vega had 12 sacks combined the past two years with Winnipeg. But the Bombers have a league-leading 24 sacks this season without him.


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I'm Asking: What Are Your Favorite Vacation Destinations?
I'm Asking: What Are Your Favorite Vacation Destinations?
Close your eyes. Where would your mind take you? A tropical beach? A busting foreign city? There are so many wonderful places to visit that it can be tough to narrow down your favorite vacation spot, but I'm sure there are a few that stand-out as your ultimate destinations. Take a break from your task list and let your mind wander back to your travel memories. What are your favorite spots?
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Pistons' blueprint could become the norm
That's because in 2001, the Detroit Pistons finished the season 32-50 after Grant Hill dumped them and headed to Orlando to win the NBA title with Tracy McGrady as the Eastern Conference foils for the Los Angeles Lakers.
But in 2004, only three years later, the Pistons actually defeated the Lakers for the NBA title while the Magic finished with the worst record in the entire NBA.
But such is life in the NBA, where Magic Johnson won his first NBA title as a rookie, Larry Bird and Tim Duncan won their first rings in their second seasons and Shaq and Kobe went exactly four seasons together before claiming their first of three titles.
If it's going to work, then history says it's most likely going to work fast.
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- Haberstroh: NBA's best duo?
- Ford/Pelton: Is Russell a future Lakers star?
- Pelton: Curry a unanimous MVP?
- 5-on-5: Celtics boast best second-half upside
- Ford: Ben Simmons or Brandon Ingram?


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Traveling Luck for Dixie (historical), Mississippi, United States
Where is Dixie (historical)?What's around Dixie (historical)?
Wikipedia near Dixie (historical)
Where to stay near Dixie (historical)
The timezone in Dixie (historical) is America/Rankin_Inlet
Sunrise at 06:36 and Sunset at 16:48. It's Dark
Latitude. 33.7431°, Longitude. -89.0125° , Elevation. 88m
Weather near Dixie (historical); Report from Columbus Air Force Base, MS 68.8km away
Weather :
Temperature: -2°C / 28°F
Wind: 0km/h North
Cloud: Sky Clear
Weather :
Temperature: -2°C / 28°F
Wind: 0km/h North
Cloud: Sky Clear
Satellite map around Dixie (historical)
Loading map of Dixie (historical) and it's surroudings
Geographic features & Photographs around Dixie (historical), in Mississippi, United States
- church;
- a building for public Christian worship.
- New Hope Church (4.8km)
- Sparta Methodist Church (5.5km)
- Mantee Baptist Church (5.6km)
- Prairie Creek Church (6km)
- Pleasant Ridge Church (6.2km)
- Lower Prairie Creek Church (6.5km)
- Woodland Baptist Church (6.9km)
- Pine Bluff Church (7.5km)
- New Zion Baptist Church (7.8km)
- Montpelier Baptist Church (8.3km)
- Pine Grove Church (9km)
- New Zion Church (11.4km)
- Local Feature;
- A Nearby feature worthy of being marked on a map..
- Dixie (historical) (0km)
- Moon Chapel (historical) (4.3km)
- Kirby (historical) (6.4km)
- Oakland Church (historical) (6.7km)
- Robinson Chapel (6.8km)
- Pine Bluff (historical) (7.5km)
- Union Valley (historical) (8.1km)
- Friendship Methodist Church (historical) (8.5km)
- Amity Baptist Church (historical) (8.7km)
- Sheba (9.1km)
- Mount Pleasant Baptist Church (historical) (9.8km)
- Dalton (historical) (9.9km)
- cemetery;
- a burial place or ground.
- Cousin Cemetery (3.5km)
- New Hope Cemetery (4.3km)
- Woodland Cemetery (5.1km)
- Prairie Creek Cemetery (5.3km)
- Oak Grove Cemetery (6.7km)
- Lower Prairie Creek Cemetery (6.8km)
- Pine Bluff Cemetery (7.5km)
- Friendship Cemetery (8.4km)
- Mount Pleasant Cemetery (9.8km)
- Hughes Cemetery (11.3km)
- school;
- building(s) where instruction in one or more branches of knowledge takes place.
- Sparta School (historical) (5.6km)
- Oak Grove Shool (historical) (6.7km)
- Oak Grove School (historical) (6.7km)
- Woodland High School (7.4km)
- Woodland Grammar School (7.4km)
- West Clay County Elementary School (8.2km)
- Friendship School (historical) (8.4km)
- Kings Hill School (historical) (8.5km)
- dam;
- a barrier constructed across a stream to impound water.
- McCrory Lake Dam (4.5km)
- Mantee Lake Dam (5.6km)
- Childs Lake Dam (5.9km)
- Harrington Lake Dam (6.4km)
- King Lake Dam (7.2km)
- Upper Toposhaw Structure Y-27-1 Dam (9.7km)
- Eland Lake Dam (10.1km)
Accommodation around Dixie (historical)
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Mantee (5.3km)
- Sparta (5.4km)
- Woodland (6.8km)
- Montpelier (8.5km)
- Congress (historical) (8.6km)
- reservoir(s);
- an artificial pond or lake.
- Childs Lake (5.4km)
- Mantee Lake (5.5km)
- Lazy K Lake (7.5km)
- post office;
- a public building in which mail is received, sorted and distributed.
- Montpelier Post Office (8.5km)
- Talley Post Office (historical) (9.1km)
- administrative division;
- an administrative division of a country, undifferentiated as to administrative level.
- District 5 Supervisor District (9.4km)
- stream;
- a body of running water moving to a lower level in a channel on land.
- Chewawah Creek (8.9km)
Wikipedia entries close to
Dixie (historical)
- Mantee, Mississippi city city o
- Woodland, Mississippi city city o
- Houston, Mississippi city city o
- Vardaman, Mississippi city city o
- Maben, Mississippi city city o
- Mathiston, Mississippi city city o
- Derma, Mississippi city city o
- Walthall, Mississippi city city o
- Calhoun City, Mississippi city city o
- Gibson, Mississippi city o
- Prairie, Mississippi city o
- New Houlka, Mississippi city city o
- Eupora, Mississippi city city o
- Muldon, Mississippi city o
- Slate Springs, Mississippi city city o
- Howell Observatory science
Airports close to Dixie (historical)
Columbus afb(CBM), Colombus, Usa (68.8km)
Greenwood leflore(GWO), Greenwood, Usa (132km)
Meridian nas(NMM), Meridian, Usa (178.3km)
Memphis international(MEM), Memphis, Usa (214.8km)


text:
Eat your heart out
..... outside of the buffet car preferred.
I wish I had mussels like that
WTF. go outside and get some air you freak
Do you really cut your bread from side to side? I go from corner to corner.
Digital you really are a boring twat.
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Charming teen rides an old dick like a fucking cowgirl
Description:This teen is a dominant whore who likes being on top. She rides her lover's dick in reverse cowgirl position before she switches to her favorite cowgirl. What a dirty slut!
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The Straight Talk About Social Security Act (H.R. 722 and S. 368), introduced by Representatives Jim DeMint (R-SC) and Karen McCarthy (D-MO) and by Senators John McCain (R-AZ) and Lindsay Graham (R-SC), would require the Social Security Administration (SSA) to provide far more useful information to working-age Americans through their personal benefit statements than it currently does. Similar legislation will be introduced by Senator Rick Santorum (R-PA).
Specifically, proposed changes in the SSA's "Your Social Security Statement" (YSSS) required by these bills would give Americans user-friendly access to information previously hidden in highly technical publications of the SSA, Office of Management and Budget (OMB), and U.S. General Accounting Office (GAO). This would provide an accurate and unbiased assessment of Social Security's future and the true nature of its trust funds--information that is essential for American workers to plan adequately for their retirements.
In addition, because they simply add existing information to a current product, the changes proposed in H.R. 722 and S. 368 would cost little. However, they would engender a more informed debate across America on the future of Social Security.
Americans' Lack of Knowledge About Social Security. Although Social Security is the government's most popular program, many Americans know little about how it operates and how its benefits compare with the returns from other retirement investments. For example:
- Millions remain convinced that Social Security maintains a savings account in each of their names with money in it, while, in fact, there is no direct connection between the amount of taxes paid and the benefits an individual eventually receives in retirement.
- Few realize how low the rate of return on Social Security retirement taxes is. For example, the average rate of return for a household of two, working, 30-year-old earners with children is a mere 1.2 percent.
- Most do not know that the trust funds consist only of IOUs or that trillions of dollars in additional taxes will have to be collected to repay these IOUs. Even with those additional funds, Social Security will be unable to pay full benefits to anyone born after 1974 unless the system is reformed.
Giving Americans the Facts. For most Americans, the YSSS, which goes to 123 million workers annually, is their sole source of official information on the benefits they should receive in retirement. Yet these statements downplay or omit important information about Social Security's future. The statements include an accounting of Social Security taxes the individual worker has paid to date, the worker's eligibility for benefits, and an estimate of the various types of benefits the worker and/or family could receive under different circumstances. However, while workers are told that a specific dollar amount from Social Security is due to them, they are not told that the money may not be there when they retire. Nor are they given any idea of what the rate of return on their taxes will be.
Provisions in H.R. 722 and S. 368 are designed to ensure that workers receive a more complete picture of Social Security's financial future in their benefit statements. The proposed changes in the YSSS would inform workers about:
- How Social Security's projected financial difficulties could affect payment of their benefits. A general (and easily overlooked) paragraph on these problems is tucked away in a letter from the Social Security Commissioner, and the reference to Social Security's financial problems does not clearly state that these problems will affect the individual worker and his or her personal benefits. Under the Straight Talk bill, the YSSS would more clearly and directly inform workers that, although benefit estimates are based on current law, Social Security's financial problems could result in benefits that are less than that amount. The U.S. Department of Labor requires a similar disclosure of underfunded private pension plans; Social Security would simply be required to meet this standard.
- How Social Security's trust funds differ from private-sector trust funds. In its fiscal year 2000 budget document, the OMB explained that the Social Security "trust funds" do not contain stocks, bonds, or other assets that could be sold directly for cash. Unlike private-sector trust funds, the Social Security trust funds contain only IOUs that will have to be paid back with future taxes. As the OMB noted:
These balances are available to finance future benefit payments...only in a bookkeeping sense. They do not consist of real economic assets that can be drawn down in the future to fund benefits. Instead, they are claims on the Treasury that, when redeemed, will have to be financed by raising taxes, borrowing from the public, or reducing benefits or other expenditures.
- The estimated rate of return on Social Security retirement taxes paid. The Straight Talk bill would require that the YSSS include a chart that plots implicit rates of return by birth year. Similar to a chart found in the GAO's August 1999 report on Social Security's rate of return, this chart would illustrate that the rate of return from Social Security has been decreasing steadily and dramatically. Workers would see that, unless the current system is reformed, they can expect a lower rate of return on the taxes they paid than their parents and grandparents received. More important, they would see that their children and grandchildren will receive even less from Social Security in the future.
Conclusion. Working Americans should be told the truth about Social Security's financial future and its impact on the retirement benefits they can expect to receive. As taxpayers, they have a right to this information, which the Social Security Administration can provide to them at little or no cost. The additional facts required by H.R. 722, S. 368, and similar bills would go a long way toward enhancing the quality of the Social Security debate and enabling Americans to plan more realistically for their retirement years.
David C. John is Research Fellow in Social Security and Financial Institutions in the Thomas A. Roe Institute for Economic Policy Studies at The Heritage Foundation.


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As any other web-based SSH client, the consoleFISH is based on the idea of relaying SSH communication through a tunnelling server. This might imply security risks, which are discussed in detail on the projectâs homepage. Still, browser-based access to SSH servers can be great if administrators need access to their systems from within company or free public networks.
âWeb-based SSH clients are no substitute for traditional client applications such as PuTTY or OpenSSHâ points out Jürgen Kuster, the founder of serFISH.com: âRespective tools can only provide backup access and require a certain amount of trust in the operator of the relaying serviceâ.
serFISH.com does not log passwords or any other kind of information transmitted by use of the consoleFISH. SSL is used to secure the communication between the relaying server and the SSH server as well as the connecting web browser. The consoleFISH as well as the other applications provided on http://www.serFISH.com can be used for free.


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Credit Advice
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Some credit card issuers do a hard-pull on your credit when determining whether to grant you a credit-line increase, others dont. I believe Capital One does only a soft-pull, but I have heard others such as Barclays do a hard pull. I would think the best way to go about requesting a credit increase would be to call and talk with a credit analyst and find out their procedure if this is a concern.
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Whole House Generators for Home Use: Your savior in times of Power Outages
Electricity is very essential especially in today's modern world. Everything is now being operated by electricity. Imagine what will happen if there is power interruption even for just a minute? Good thing there are generators which automatically come to the rescue. A generator is an engine which is powered by gasoline. It is a device which converts mechanical energy to electric energy. Many homeowners now have emergency generators at home that are readily available in cases of power outages. This is a preparatory measure because once the power goes out, all they have to do is fire up the generator then electricity instantly regains. Generators for home use, like whole house generators, allow you to enjoy using important appliances like air conditioners, refrigerators and washing machines.
It's really dreadful if in the middle of the night, there is a power outage and you're all alone. With generators for home use, such as whole house generators, you won't have to worry as you'll have a backup if such a thing happens. This engine has a spinning shaft which is used to create an alternative magnetic field that induces electromotive force in the event your power goes off grid.
When you buy your generators for home use, the same as whole house generators, try browsing the internet for the best manufacturers and then look at their sizing sheets. You can use this to know the wattage and size requirements for your generator. Apart from that you should also choose a fuel that is best for your generator. Your choice should depend primarily on the kind of fuels that are present in your local stores and according to your budget. Many home generators are run by bi-fuel, thus can be operated both by natural gas and propane. There are whole house diesel generators that you can also use, although they are a bit costly. Used diesel generators are affordable and available but you should research first on its quality.
Whole house generators are mainly . They are connected to your main power, thus while it is operating it is also storing electricity that can be readily used in cases of need. These generators give ample electricity supply to a household that has various connections to a power supply. Thus is really necessary and should be included in your priority list. But before you buy one you should first think of the unit that matches your home. Estimate the size of your home especially when you are using electric heating unit. You also have to consider the kind of appliances you have in your house that needs to be run by a generator.
If you want to avail of quality generators for home use, then read on the different reviews online. Here you will see the performance of the various home generators. Don't forget also to follow the instructions given by the manufacturers to prevent any problems later on.
You should locate your unit to a well ventilated area that is far from doors and windows to prevent exhaust gases from entering your house. It's still best that all electrical wirings should be connected by a licensed electrician. If you want to have a wide range of selection, you should buy online.
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Still No Vote on the Bathroom Bill "Compromise"
After five hours of public testimony, HB 2899 sits in limbo
By Sarah Marloff,
1:15PM, Thu. Apr. 20, 2017
Wednesday saw another late night at the Capitol. The House's State Affairs Committee heard public testimony on House Bill 2899, the supposed "compromise" to the bathroom bill. Though transgender activists and allies arrived for the hearing as early as 8am, the committee didn't start on 2899 for another 13 hours.
The public testimony portion began well after 11pm and went through the night, ending just shy of 5am on Thursday.
More than 400 people signed up to speak, but according to the Statesman only 72 managed to testify. One attendee posted a photo on Facebook showing that another 369 people registered their opposition of the bill that's being touted by its author Rep. Ron Simmons, R-Carrollton, as a more considerate version of SB 6. (Only 18 people registered in support of it.)
The original bathroom bill, the Texas Privacy Act, would override nondiscrimination ordinances and force trans and gender nonconforming folks into restrooms and dressing rooms that align with the gender listed on their birth certificate. Instead, HB 2899 slyly copies North Carolina's compromise bill by simply removing all existing city nondiscrimination ordinances that have put bathroom protections in place. In addition, it would ban all public buildings and school districts from enacting or enforcing any gender affirming protection not abiding with state law.
If passed, HB 2899 would not allow any exceptions including cases of parents with young children, which even SB 6 offered. But there's another threat with HB 2899. While Simmons' bill would block any entity other than the state from putting bathroom protections into place, it specifically would not stop lawmakers and businesses from banning bathroom access to trans folks. Meaning, if SB 6 does not become law (which is seeming less and less likely as the House still hasn't assigned it to a committee hearing since passing through the Senate), under HB 2899 another version of the bathroom bill could be proposed and passed during the 86th legislative session in 2019.
Unlike the hearing for SB 6 in early March, however, the State Affairs Committee decided to not vote immediately after testimonies were wrapped. That remains pending.
Nov. 24, 2017
Nov. 24, 2017
SB 6, TX Lege, HB 2899, Ron Simmons, bathroom bill


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Who is Carmen and why should you want to work with and learn from her?
Carmen Hunter is a certified health coach with over 15 years of self-study and 6+ years of hands on experience coaching clients one-on-one and in groups and over 3.5 years of mentoring and teaching coaches.
Over the past three years her passion has turned to sharing her knowledge with other coaches so they can reach their full potential as a coach and rise above the average health coach. She teaches and practices safe (legal) language and has crafted a method of coaching that she teaches to other health and wellness professionals all over the world. Through using her method Education, Preparation & Action, every coach can be more confident and efficient in their business while making a bigger impact on their clients lives.
Her goal is to fill a gap that exists in the coaching profession. Many coaches are leaving institutions and organizations without the actual SKILL to coach legally and safely. Carmen teaches an approach that works with every single client no matter their health condition or goal.
Her method of achieving wellness is centered around five basic human needs, food choices, safe movement, optimal sleep, stress solutions and fun. She believes in digging into the reason someone is not healthy and that the symptoms will improve or resolve once the trigger has been found and alleviated. This is what she teaches to other coaches. How to get to the bottom of the issues in an organized way no matter what their condition or diagnosis is. The approach is always the same. You can often hear her saying "A diagnosis is usually just a symptom. Find the cause and alleviate the symptoms."
Most of all she believes coaching should be fun, rewarding and stress free and she aims to help others approach it the same way while safely working within the boundaries of the coaching profession. You won't find another coach more dedicated to your success in this business.
"The only person who ever failed was the person who never took the first step"
Carmen Hunter
Click the link below to hear Carmen on an information packed summit for Entrepreneurs
The Healthy and Wealthy Entrepreneur Summit
My ebook Guides
These are resources that will save you time by providing you with templates and useful information to use with your clients.
What's available:
- Thyroid Guide
- Food Guide
- Pure Gold Resources
A consult is available for any of the above guides.
My current courses and classes
- Education Preparation and Action: A Three Step Method to Client Empowerment and Health Coach Success
- Health Coach Mentorship & Mastery group: This is where you can be mentored by Carmen and receive free information and resources. Live calls occur all month long and live videos every week. You can't beat this group!
Coaching Documents
Done for you coaching documents are all customizable to use with your clients and follow a three month contract but can be customized for any coaching plan:
Tips and Tricks Video Access
You don't want to miss these practical tips for coaches.
Thyroid Guide-This ebook has over 40 ages of information and over 100 resources on the Endocrine system, adrenal glands, thyroid, sex hormones and more.
"Want a peek inside this valuable guide? Click here."
Food Guide- Over 35 pages of great information that can help you lead a client into a whole food diet in an easy manageable way. This contains the Education, Preparation and Action (© 2015 Carmen Hunter) method of change with a step-by-step program for easy transition.
Pure Gold Resources- Over 240 resources containing the people, theories and ideas that I have studied for the last 15+ years of my learning experience. Talk about saving you time researching client related issues!
Learning with Carmen
Education Preparation & Action: Learn Carmen's signature method of coaching in three simple step!
Need some one-on-one with Carmen? Pick one!
Mentoring program: This program includes two one hour calls (and recording) and unlimited email support to help you reach any goals for your coaching business.
Brainstorm Session: This is a one hour call with a recording to help you with any subject you need support with.
Learn more about Carmen and her approach to helping coaches run successful practices in this interview with Michelle McGlade.


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For those of us here at fifi, Halloween is one of the best times of the whole year. As incorrigible horn dogs, we love anything that makes people at parties and clubs bare flesh like they're at the beach or in the bedroom. Okay, the "Sexy Freddie Krueger" costume is totally ridiculous, but we're all about a "Sexy Paratrooper." Dressing up as something you're not is fun, so we thought it might be fun to make costumes for our favorite male sex toys. Here are a few ideas you can use if you'd like to dress up your fifi.
Since Halloween is a good time to dress as your polar opposite, you could give your fifi a nice, pure, innocent-seeming costume. Turn it into a virgin with a little white wedding dress! You might get some funny looks if you buy a doll-sized wedding dress, though…
If your fifi is blue, you can easily give it a boner pill costume by making a little sign that says the drug company name on it and sticking it to the outside with double-sided tape. No, it's not the same shape as the little blue pill, but you can use your imagination.
The Rocky Horror Picture Show is 40 years old this year, so why not pay tribute to it with a fishnet "sleeve" and a string of costume pearls? You can cut one leg off a pair of fishnets and slide it over the bottom of your fifi while it's rolled up and loop the string of pearls around it. We don't recommend putting lipstick on your fifi, though. If you don't have the pearls, maybe a feather boa would be more your speed.
The easiest costume of all, though, is a pair of stick-on googly eyes. You can imagine the fun when you're using the fifi and those eyes are jiggling around!
If you don't have your fifi yet, get one here! You'll have it in time for dressing it up like a Pilgrim next month, with buckles and ruffs. Just make sure your fifi's Halloween costume is something you don't mind throwing out in case you mess it up.Back


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If you were to write a book, gathering your expertise up and packaging it for your targeted audience, what would the table of contents look like? Could you list 10-15 chapters taking a reader from step 1 through to finish?
I recently did this, in preparation for an informational product. It's not finished yet, but I discovered amazing results from listing the chapters: clarity and inspiration!
For the last two weeks I've been creating fresh content and re-purposing old blog posts, following a trail of steps a person would take to create a strong online marketing presence for a small business. If you review recent posts, I started with:
- Before You Start
- What Problems Do You Solve?
- Finding a Brand Name
- Finding a Domain Name
- Creating Cornerstone Content
- Crafting a Bio Page
- Creating a Product Funnel
These are all part of the content marketing steps you would need to take if you were just starting out online, but also if you were revising your marketing strategy so that it gets more Web traffic.
If you have been online for a few years, you may notice that your brochure-style website doesn't get as much traffic as you'd like. Old school web marketing would tell you to do some pay-per-click advertising and Search Engine Optimization. All very expensive. New school says to do Content Optimization. Not expensive.
The "E's" of Content Marketing
When you've got content that educates, entertains, and engages with readers, and when you've got plenty of it because you're actively blogging, your words do a great job of natural search engine optimization. You'll get found in search results for the key words and phrases you consistently write about.
Furthermore, when readers find you, they discover you're an expert, a likable and trustworthy resource, and they'll keep coming back if you're generous with your knowledge. They will download your free report or ebook. They will read your bio and connect with you. They may decide to follow you on Twitter, or retweet a blog post they love.
The First Chapters
As you can see, I've covered quite a few chapters on the preparatory steps that need to be clarified before you start your content marketing campaign. You need to have clarity about what problems you solve, what the benefits to your readers and clients are, and then you need to find a good brand identity, and domain names for your sites, landing pages, products and services.
You need to create cornerstone content, including a powerful bio telling your real back story, and writing about your passion for your business.
You need to have several ways and levels your readers can take next steps, using a product funnel from free to free for email, to token fee, to big ticket products and services.
The Next Chapters
Once these pieces are in place (or while you're working on them), you need to be continually "seeding the Internet" daily or almost daily with your blog posts and tweets. This is how you feed your content marketing machine.
Results? You bet. You get found, get clients, get money.
Work? You bet. If you're an independent professional running a business, it adds about an hour or more to your day. Not everyone wants to do this work, that's why many complain they can't find the time to write on their blogs, or to create content. You can outsource some of it. I am in the business of helping coaches create content for their blogs and content marketing materials.
But this tip I'm giving you here will help save you time. Because once you write down of a list of steps, you'll see that you'll have energy and "oomph" to fervently create blog posts and content quickly.
In my opinion, having a clear plan of content ideas is half the battle. So take 15 minutes to list a "table of contents" to an imaginary book you'd write (if only you had the time…)! You'll find that after you do this list you'll have clarity and inspiration. Then it's a simple matter of writing out 300-450 words on each step of the way.
I discovered this quite by accident and it's working for me. Tell me what you experience once you try it, okay?


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Top 10 records sold from May 5 to May 11 at SecondSpin, 1781 Newport Blvd., Costa Mesa, (949) 650-8870. SecondSpin carries new and used CDs and DVDs and buys used products.
1Tool, 10,000 Days (Volcano/Tool Dissectional)
2 Neil Young, Living With War (Reprise)
3 Gnarls Barkley, St. Elsewhere (Downtown)
4 The Coup, Pick a Bigger Weapon (Epitaph)
5 Pearl Jam, Pearl Jam (J)
6 Red Hot Chili Peppers, Stadium Arcadium (Warner Bros.)
7 Sergio Mendes, Timeless (Concord)
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8 The Black Heart Procession, The Spell (Touch & Go)
9 The Flaming Lips, At War With the Mystics (Warner Bros.)
10 Death Cab for Cutie, Plans (Atlantic)
STAFF PICK: Band of Horses, Everything All the Time (Sub Pop): "It makes us feel funny in a good way." (Staff)


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Law School is Too Costly
April 25, 2003
The high cost of attending law school is making it hard for government agencies and public interest organizations to recruit new lawyers. According to "From Paper Case to Money Chase," a report published by Equal Justice Works, the average law student today leaves school with debts of more than $84,000.
The obvious question raised but never mentioned in the report is why the cost of law school is so high. Should a legal education cost as much as it does?
The answer is no, says George C. Leef, but thanks to connivance between state legislatures and the American Bar Association to create a monopoly, a legal education is costly. Furthermore, the ABA's accrediting body, the Council of the Section of Legal Education, has established standards that are designed to keep law school very costly and restrictive. Among those standards:
- Law schools must be nonprofit institutions -- thus while for-profit schools are finding innovative ways to deliver educational offerings to more and more Americans, the ABA will not allow those schools in the field of legal education.
- Law school faculties must by staffed mostly with full-time instructors -- the ABA regards it as a sign of professionalism that law school courses are taught by full-time academics -- although it would be much less expensive to have courses taught by adjunct working attorneys.
- The teaching workloads of faculty members must be kept low -- the ABA envisions law professors who are scholars and have lots of time for research -- thus many professors teach only three or four hours a week.
All of these input rules drive up the cost of legal education. If entrepreneurs were free to find ways of delivering the optimal amount of legal education, many law students would be able to obtain the education they want at a far lower cost.
Source: George C. Leef, "Why Law School Costs so Much," Regulation, Vol. 26, No. 1, Spring 2003, Cato Institute.
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text: I've noticed that BP's gas prices are 10 cents a gallon higher than everyone else's around here. It appears they're trying to make up their losses from the huge spill in the Gulf of Mexico. They screwed up, damaged our shoreline, our fisheries, our shrimp beds, and who know what the long term damages will be from the oil. I refuse to pay for their mistakes, they should pay the piper for taking cheaper shortcuts on their rigs. I welcome your opinions.


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Once in a life time experience
Maikoya Heritage house is a 6-floor building that has the traditional Japanese architecture in the heart of Osaka. The building serves as culture museum and an experience centre for travelers and residents alike.
Everyday, Japanese masters and culture experts meet with the guests and teach them ancient Japanese traditions and crafts including. We show off cultural activities with a difference!
The Japanese Tea Ceremony Workshop provides an engaging induction to the traditional tea ceremony. This activity dates back hundreds of years and is the most idealistic pastime of ancient Japan.Learn more
Many geishas have found a calling to demonstrate their traditional arts to tourists and visitors. Maikoya Osaka hosts a number of these professionals who are waiting to entertain and teach you and your family!Learn more
Learning traditional Japanese dishes from local cooks in Japan! Not only will you get to eat this delicious food, but learn how to make it yourself so you can make a feast back at home!Learn more
We have a range of traditional Japanese costumes to choose from. Ever wanted to be a kimono wearing princess for a day? Do you know a guy who would love to wear some samurai armour?Learn more
1-22-7 Shinmachi, Nishi Ward, Osaka City, Zip-code 550-0013 , Japan
MAIL. firstname.lastname@example.com
7min walk to Shinsaibashi Stn.
3min walk to Yotsubashi Stn.
2min walk to Nishiohashi Stn.


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- Rajesh K. Bawa, Ganesh K. Sethi
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Text Information Extraction is a system that receives input in the form of a still image or a sequence of images and the output is only text part of the image, which is recognized by Optical character recognition (OCR). The problem of TIE can be divided into following sub-problems: (i) Text detection (ii) Text localization (iii) Text extraction and… (More)
This paper presents a binarization method for camera based natural scene (NS) images based on edge analysis and morphological dilation. Image is converted to grey scale image and edge detection is carried out using canny edge detection. The edge image is dilated using morphological dilation and analyzed to remove edges corresponding to non-text regions. The… (More)
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In Dreams: The Roy Orbison Story Trailer (1999)
07 October 1999 Factual, Music 91 mins
In Dreams: The Roy Orbison Story recently aired as part of a PBS Pledge Break special that I recorded off from. It follows his life and career from the 1960s to his death in 1988. You see him perform all his famous songs including: "Only the Lonely", "Sweet Dreams, Baby", "Crying", "In Dreams", "Anything You Want", and of course, "Pretty Woman". You see two performances of the latter, the first one when it came out with the words "Come with me, baby", the other one near the end of his life with Bruce Springsteen teaming with him on an elongated guitar duet and Orbison now singing "Come to me, baby". It also covers his tragedies such as the death of his first wife and later, their two sons.
Watch the official In Dreams: The Roy Orbison Story 1999 trailer in HD below or find more In Dreams: The Roy Orbison Story videos on Vidimovie.


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Sony Xperia U at Rs.12990
osadhis | 22-Oct-2013 | 05-Nov-2013 Electronics | Mobiles
Deal Details
Get Sony Xperia U at Rs.12990. This Flipkart deal is valid for a limited period only. No Coupon code is required. Cash on delivery is also available. 1 year manufacturer warranty for Phone & 6 months warranty is also provided.
This deal is valid till 05-Nov-2013.
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By Dogs Are Family | April 11, 2017 | Comments (0)
Duke the Great Dane doesn't know what to think of his grandmother's Chihuahua when the small dog comes over for a visit. All he knows is he's a bit intimidated by the small visitor! His human writes, "I'm just glad Duke wasn't as scared as he was when he first met a baby chicken, since he pooped on himself at that time."
Copyright 2015 DogHeirs. All Rights Reserved.
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Director Martin Scorcese's Raging Bull is a masterwork of violence and its all-too human repercussions, as told through the real life story of middleweight boxer Jake LaMotta. Filtered through the acclaimed director's Catholic background, Scorsese's biopic may seem to be a common boxing film at first glance, but its true purpose is as a meditation on the destructive nature of anger and what it truly means to atone for one's sins. It's a film that is as beautiful in its cinematic explorations of its themes as it is repulsive in its stark depictions of one man's rage-filled path of self-destruction.
That dichotomy is the key to its most powerful ruminations on atonement, as it holds nothing back in exploring the wages of sin and anger, as well as what it may truly take for some to change their deepest and darkest natures.
When we first meet boxer Jake La Motta (Robert DeNiro), it's in the midst of a punishing and ugly bout that sees the boxer lose his first ever fight due to his opponent being saved by the bell. From the very first moments, it's clear that Jake is a man consumed by anger, as shown by his unflinching willingness to take punch after punch directly to the face just to lay out his opponent with devastating haymakers. And the boxing ring itself as well as the crowd surrounding it are direct reflections of his rage, with the audience erupting into mayhem both during and after the fight. Onlookers attack one another, women are trampled in the chaos, and a riot threatens to engulf the ring itself. This is only the first example of how Scorsese's boxing matches throughout Raging Bull will work as metaphors for LaMotta's inner turmoil, and their examinations are crucial for understanding what is being said throughout the film
Everywhere he goes, Jake is a force of destruction. Dinners turn into domestic disputes, conversations tumble into physical altercations, and nights out quickly descend into madness. It's no secret that LaMotta is simmering with anger at nearly every moment and everyone from his wives to his borther Tommy (Joe Pesci), are forced to constantly reckon with LaMotta's rage.
But what is the source of LaMotta's anger? While it's never made entirely clear (and the film is all the better for it), much of the character's rage comes from deep self-doubts and the worry that he'll never be about to prove his own worth. LaMotta rages against those who he sees as holding him back or who don't give him the respect that he believes he deserves. While the roots of such issues are never shown, it's clear that LaMotta is constantly in turmoil as he simultaneously thinks the world of himself and hates himself.
While LaMotta lives with his anger boiling inside him in each moment, it's in the ring where he is fully unleashed. From his losses to his victories, Scorsese films LaMotta's fights with a heavily artistic lens. The rings change size to either make him a giant or a dwarf depending on his state of mind. Billowing, sulfurous smoke pours in from every side to reflect the personal hell that the Bronx Bull has created for himself. Flashing strobe lights and the sounds of wild animals punctuate the blows from both sides.
"I've done a lot of bad things, Joey," remarks LaMotta at one point following an unfair loss in a match. "Maybe it's coming back to me." These moments of clarity are few and far between for LaMotta, especially in the first two acts of the film, but show a growing need for penance and repentance.
What makes the ideas of sin and atonement so potent within Raging Bull is that they don't follow a simple, linear path that many other films would pursue in order to create a simple structure of destruction and redemption. Instead, the fallibility of LaMotta in Raging Bull is cyclical because the central character of the film is stuck in his destructive tendencies. By the end of its first act, it seems as though LaMotta has pushed past in-ring failure and marital strife through a series of big wins and the start of a new marriage and family, as shown through a stylish montage of still frames from fights and surprisingly colored home movie footage. But once the film returns to LaMotta's home life, it's clear that his anger, self-doubts, and unstoppable self-destruction are as bad as ever. They eventually become focused on his wife and brother, with domestic discord eventually exploding into outright at-home violence, which is painted as one of LaMotta's truly unforgiveable acts.
But then again, why would LaMotta be any different than he was before? Despite his self-doubts and punishments, he's done nothing to atone for his sins. For LaMotta, the road to redemption will be a long and painful one.
The first stage of atonement for LaMotta's sins comes in the form of physical punishment. In his final, most brutal battle with boxing rival Sugar Ray Robinson, LaMotta is brutally punished in the ring in a fight that would be dubbed The St. Valentine's Day Massacre. Scorsese chooses to heavily layer in Catholic symbolism throughout the match, with LaMotta being cleaned with a bucket of water filled with his own blood, given his mouth guard in reflection of taking the sacrament, and having his face covered in Vaseline like an anointing. The meaning is clear – this is LaMotta's atonement for his many previous sins. Unlike a previous bout where LaMotta allowed a vastly inferior opponent to pummel him ineffectually in order throw a fight, LaMotta gives it his all against Robinson until he can give no more. In response, LaMotta allows his longtime rival to physically destroy him without so much as putting a glove up to defend himself. The result is a shocking onslaught of punches that cut him open and send his blood flying across the crowd. While LaMotta never falls down, he's physically destroyed and soon ends his boxing career.
However, LaMotta has not truly repented of his sins despite his previous atonement.
Now massively overweight and running his own nightclub, LaMotta revels in his own excesses, drinking heavily, enjoying his own terrible attempts at being a standup comedian, and frequently cheating on his wife. It all comes crashing down when he mistakenly introduces an underage girl to other men at his club and is subsequently arrested and thrown into jail for the crime. Locked up in a dark cell, LaMotta is broken down into a weeping, raging mess of a man, slamming his fists into the hard concrete wall as he screams "I'm not an animal!" in Raging Bull's most emotionally raw, painful scene.
This is truly LaMotta's reckoning with his own horrible nature and the dark night of this man's soul. In this violent confrontation with the self, LaMotta is finally able to repent of his sins and become a better person.
Following his attrition in prison, LaMotta has clearly turned into a quieter, meeker, less self-involved man. He's lost everything, with only his pathetic little comedy act in shitty little nightclubs supporting him despite all the grandeur and success he'd found earlier in life. The final act of redemption left for LaMotta comes when he sees his estranged brother Joey. While Joey rebuffs him, all Jake wants to do is hug him and give him a kiss, enveloping him in his heavy frame. It's a quiet, small moment, but it shows how much the former epitome of violence and anger has changed in his later years. While little of it is shown, LaMotta is now able to live a life that has moved past his former violent, sinful nature.
In its final moments, Raging Bull ends on a quiet scene of LaMotta reciting Marlon Brando's famous "coulda been a contender" speech from On the Waterfront as he prepares to go on stage. There's still a little something left of LaMotta's spirit, but it's been quieted and humbled in the light of the many reckonings he has had with his sin. As LaMotta's final moments are followed by three verses from The Book of John, we are left to contemplate what peace and redemption mean following so many years of roaring, destructive violence.
So, for the second time, [the Pharisees]
summoned the man who had been blind and said:
"Speak the truth before God.
We know this fellow is a sinner."
"Whether or not he is a sinner, I do not know,"
the man replied.
"All I know is this:
once I was blind and now I can see."
John IX. 24-26
the New English Bible


text:
More than 30,000 people traveled to see the 1 million Christmas lights displayed at The Sower Studios in Metter this year. And many got to see The Sower himself, the Rev. Michael Guido.
The renowned evangelist's minute-or-less messages have been a staple of late-night TV and radio stations all over the world for more than 30 years. The messages - filmed for the past 30 years in Metter - showcase his big toothy smile, a shock of white hair and a quick, quaint and inspiring message.
A longer chat with Guido, 87, reveals, not surprisingly, a wealth of short parables that make up the story of his life and his commitment to his ministry. And it reveals what those who know him well have discovered - the smile, the hair and the voice are the real deal.
Q: If you could change anything about yourself, what would it be?
A: "I would spend more time reading the Bible, more time in prayer and more time helping people. I feel a day is misspent if I don't spend a lot of time with the Lord ... or helping another friend."
Q: When did you first realize you wanted to do the ministry?
A: "When Audrey (wife) and I had a wreck. We were on our way to Atlanta. ... I found her in a pool of blood. Her face was cut terribly. ... We rushed her to the nearest hospital. They said, 'We can't help her. But we're going to send her on to Baptist Hospital in Atlanta.' ... She was completely healed. ... Coming home in the ambulance, we said, 'Lord, you've spared our lives. Now we'll do the work of four people instead of two.' "
Q: How would other people describe you?
A: "As an old cripple. (He laughs.) I hope they would say I was a happy person. I try to always live love, greet people with a smile. ... And I would like for them to think of me as a child of God."
Q: If you could change one thing in your past, what would it be and why?
A: "I'm ashamed that I played for nightclubs and burlesque shows. (Guido directed an orchestra in the Midwest in his late teens and 20s.) That didn't help me mentally, emotionally or spiritually."
Q: What makes you happy?
A: The Lord. He has changed my life and made my life full and complete. He has given me a wonderful companion and has given us a great ministry. And he has given us a great staff."
Q: If you could pick any three people to dine at your house, who would you invite?
A: "I would enjoy fellowshipping with Billy Graham and then his son, Franklin, and then Chuck Coleson. He was Nixon's hatchet man. He went to prison for it. But he was wonderfully converted and he has a great prison ministry now. He was one of the meanest men in Washington. Now he's one of the kindest."
Q: What do you do on vacation?
A: "I've never taken one. I haven't even taken a honeymoon after 57 years of marriage."
Q: Where would you love to vacation if you - and especially your wife, Audrey - ever got the well-earned time off?
A: "I would enjoy visiting my brother in Highland, N.C."
Q: Tell me about your most noted characteristic.
A: "My smile and short messages are my most noted characteristics, I suppose. People probably don't know that it is the Lord who makes me happy. I felt like I had swallowed sunshine when I asked the Lord to come into my heart."
Q: Do you have a motto?
A: ' "Living is Christ, dying is gain.' I try to make every minute that I live for the Lord. Give anything up for Jesus. But don't give Jesus up for anything.'
Agriculture and regional business reporter Lori Henson can be reached at 652-0378 or by e-mail at firstname.lastname@example.com.
Savannah Morning News © 2017. All Rights Reserved. Contact Us | Privacy Policy


text:
By Hilary Corrigan
Triplicate staff writer
About 30 western gulls rescued last week from a brown oily substance in Crescent City Harbor continue recovering at the Oiled Wildlife Care Network in Cordelia, Calif.
andquot;We'll hopefully be releasing birds soon,andquot; said Greg Massey, a veterinarian with the network out of the University of California at Davis' veterinary school.
On Jan. 7, area volunteers from Crescent City-based Flight Feathers Wild Bird Rescue and Northcoast Marine Mammal Center responded to a call of struggling birds in the harbor.
They found the juveniles coated in brown, fishy-smelling glop and used nets to catch the flailing animals that could no longer fly.
andquot;It was a lot of running on rocks and up docks and down docks,andquot; said Judy Hammond, co-founder of Flight Feathers Wild Bird Rescue.
The substance stripped the birds' feathers of waterproofing capability, leaving them unable to stay warm and fight off hypothermia. It also kept them from floating, causing them to sink in the water.
Volunteers trucked the birds to the center in Beachfront Park, where they used feeding tubes to hydrate and stabilize them.
Oiled Wildlife Care Network workers arrived early Jan. 8 to bring the animals to the Cordelia facility.
The rehabilitation process includes more hydrating and feeding, before hand-cleaning them in hot water and dishwashing soap. That process entails washing and rinsing the birds in several tubs of water set at specific water pressure and temperatures followed by dryers. Caretakers then release the birds to pools of warm water until their feathers regain their waterproofing ability and can protect against cold water.
andquot;A lot of people think you basically take 'em in and wash 'em and clean 'em,andquot; Massey said of the procedure that takes up to 10 days. andquot;There's a lot more to it than that.andquot;
Rescuers plan to release the birds once they reach their regular weight. Two birds died in the process.
andquot;That's not unusual,andquot; Massey said. andquot;The rest of them are all doing fine.andquot;
The incident seems to have affected only the western gulls, said Lanni Hall, director of Northcoast Marine Mammal Center that serves as an oil spill response site.
andquot;The only indication that anything had happened was the birds,andquot; Hall said.
The substance that coated the birds came from fish and crab processing. The birds likely got into the oils that sat in uncovered trucks and bins, said California Department of Fish and Game Warden Daniel Beck.
The department's Office of Spill Prevention and Response also investigated. Beck issued warnings but no tickets to businesses. He would not disclose which business or businesses left the oil out.
Department officials will patrol the harbor to make sure that businesses cover fish processing waste and prevent it from leaking into the water.
andquot;It's a rare occurance,andquot; Beck said. andquot;I don't think it'll happen again.andquot;
Reach Hilary Corrigan at firstname.lastname@example.com.


text:
Could it be possible for us to make money online at Hubpages as a full time job? Could online writing at Hubpages earn a basic living for us? Will you believe in Hubpages ad program, Ebay affiliate program, as well as Amazon associate program? Could they really help us to get high paycheck per month? How do you think?
This is a constantly changing site, as are most writing venues. I would advise against depending on any one writing site for a full time job. Eggs...basket...you know the old adage.
I think it's possible for the top "hubbers", but it all depends on where they live. Where I lived in the past, I could live comfortably on $15-20, 000 a year. That would be less than $1,700 every month, which some people average on here.
If you want to hit that goal though, you really need to work your booty off. I'd guess that you'd need to publish one or more Hubs every day, and frequently update content with new information. Plus, you'd need a wide range of articles. I can't imagine making that much by focusing on one topic or subject.
1) possibly but not probably for most people
2) see above
3) what do you mean when you say "believe in them?" I believe they exist and they can earn people money.
4) the potential is there
5) with my brain
HubPages as a fulltime job (I guess that means full source of income rather than amount of time) might be relevant. The cost of living varies greatly among the countries represented on this site.
I am retired, and HubPages is not a full-time job for me. It never was. When you are a freelance writer, you spread yourself around. I suppose you can make a living here, but to focus on just one online site for income? No!
I think it's possible, but like many people said before me, it's not a good idea to keep all your eggs in one basket, plus you'll have to put a HUGE amount of work in as well.
I really enjoy the extra money I make here, and it's given me the push I need to start up a couple niche sites that I've always wanted to. I doubt I'll be giving up running my business anytime soon, but I'm definitely having fun
by Don Bobbitt4 years ago
OK! I have been writing on HP for over 3-1/2 years, and this morning it looks like Google has done it again! I have been getting a steady readership for over a years now, but this morning I went to "0"...
by James Bowden5 years ago
Has anyone noticed the apprenticeship program tab on hubpages, as well as the associated article about the program. There is an article that speaks all about this program and what it involves. It does sound very...
by zebtron2 years ago
Curious what forums, sites, podcasts and other content you really like and frequent.What is your favorite writing site?What is your favorite writing forum other than HubPages (includes forums, Yahoo groups, Facebook...
by Louise Barraco2 years ago
Hi its Louise again, I was wondering if anyone knew how to edit your hubs so that they can be featured and how often you edit them. I am trying to make blogging into a part time job or full time job but don't know...
by Dr Mark4 years ago
Do any hubbers spend 40 hours a week (or more) writing and researching hubs? Does the effort pay off if the site is treated like a regular job?
by ~Pan Tak~4 years ago
Was curious after seeing most of the long term - experienced Hubbers. So thought of doing some research. Topic explains it. Let's try to be truthful here. What really keeps you going on here on HP? Why should Hubpages...
Copyright © 2017 HubPages Inc. and respective owners.
Other product and company names shown may be trademarks of their respective owners.
HubPages® is a registered Service Mark of HubPages, Inc.
HubPages and Hubbers (authors) may earn revenue on this page based on affiliate relationships and advertisements with partners including Amazon, Google, and others.
terms of use privacy policy (0.6 sec)


text:
Nikol's wedding dress by VincenttmwWatch
©2004-2017 Vincenttmw
haha i drew nicoles wedding dress awhile ago and ive been working on it. XD its not finnished yet but i feel bad not having updated in such a long time! so here it is, maybe later ill update more.
eeee... so pretty! Great job on letting the dress fall naturally like a poofy contraption like that would..
*sigh* I need more dresses like that...
*sigh* I need more dresses like that...
Aww. That's very pretty good job. XD
thanks ^_^ i spent a long time and alot of headache working so close to the paper @_@ woo it came out good tho ^_^
@@; Yeah..I get headaches like that too...my hand sometimes start shaking too--that's my cue to take a break--*nod nod*
Wow. I want a dress like that.
So pretty. Lovely work.


text:
Merry Elfing Holiday Party
Joanne Giannini and Massachusetts Singles Magazine (MSM)
Friday, December 17, 2010 at 7:00 PM - Saturday, December 18, 2010 at 1:00 AM (EST)
Event Details
It's time once again for our Annual Merry Elfing Holiday Party! Hang out with all your friends, eat free food, and help some kids all at the same time…now that's what I call a holiday party! Plenty of prizes for best elf attire, most helpful elf, etc. AND everyone who buys a ticket/makes a donation at the door will be entered into a raffle for a $200.00 Restaurant.com gift card!
- Dress: Appropriate Elf and/or Holiday Attire
- Bring: You and all your friends!
- Charity: Jennifer Tarr Memorial Fund - Jennifer died at the age of 32 after a courageous battle with pancreatic cancer. This fund will help provide for her two surviving young children. A voluntary donation of $10.00/person is suggested, but please feel free to give whatever you feel is appropriate.
Questions: Contact Joanne Giannini at 339-206-5184 (cell) or firstname.lastname@example.com (email)
Have questions about Merry Elfing Holiday Party? Contact Joanne Giannini and Massachusetts Singles Magazine (MSM)
Attendee List Sort by: Date | First Name | Last Name
When & Where
Clash of the Ash
1464 Hancock Street
Friday, December 17, 2010 at 7:00 PM - Saturday, December 18, 2010 at 1:00 AM (EST)
Add to my calendar


text:
SAN DIEGO —— Keenan McCardell can't seem to get away from old habits.
On Thursday, the 35-year-old wide receiver was out running with the Chargers' scout team as the Bolts prepared for Sunday's game against Buffalo.
It is not every day a 14-year veteran is doing such work. The scout team emulates the opposing offense so the Bolts' defense has a better idea of what to expect. Most scout players are backups, not someone with McCardell's lofty credentials. He's 22nd on the NFL's all-time receiving yards list with 10,232 yards.
And he's 13th all-time with 788 receptions.
The numbers don't mean much now. This quiet professional is too busy beating Father Time and defensive backs to worry about statistics.
"He's out running Buffalo's routes and does a terrific job of it," head coach Marty Schottenheimer said. "He just likes to work. I think he recognizes that his success is a product of hard work."
McCardell spent five years as a backup where he did plenty of scout work in Washington and Cleveland before becoming a Pro Bowl selection for Jacksonville.
He later spent two years in Tampa Bay, winning a Super Bowl, before being traded to the Chargers during the middle of last season.
Since arriving here, all he has done is impress the coaches and his co-workers with his positive attitude by making big catches and volunteering for scout duty.
McCardell explained he runs scout drills because, "It gives our team a chance to see how guys will play against us on Sunday. We are here to help each other. We are here, as a team, to get better, and by running with the scout team, it gives me work, too."
McCardell might find Sunday to be a little bit awkward. If he ends up catching passes totaling 35 yards, he'll surpass Chargers Hall of Famer Lance Alworth for the 21st spot on the all-time rankings.
Ironically, Alworth will be on hand as the Chargers retire his No. 19 jersey during halftime ceremonies.
The Chargers will probably stop the game to recognize McCardell's achievements, but he would prefer they play on.
"They aren't going to stop the game for me," he said. "Don't stop the game for that. We have a job to do."
For McCardell, winning is the bottom line.
From the beginning of training camp, he said, the only goal that means anything is playing and winning in February in Detroit, the site of this season's Super Bowl.
McCardell today carries the same work ethic from when he was a 12th-round draft pick of the Washington Redskins in 1991.
To put that in perspective, star tight end Antonio Gates was 11 years old when McCardell broke into the NFL, starting quarterback Drew Brees was 12 and backup QB Philip Rivers was 9.
"He thinks like a quarterback," said Rivers, who has learned much from McCardell. "He has little things that he does that makes it easier (the quarterbacks) to get him the ball."
Gates agreed: "He clears a lot of people out for me to run and get open because (defenses) have to watch him."
McCardell put what he does in the simplest of terms: "I've been taught to make it easy for the quarterback. And the only way to be easier for them is to be wide open and make tough catches when it is time to make the tough catches."
The biggest catch in his career came at Qualcomm Stadium during Super Bowl XXXVII against Oakland, a 5-yard pass from Brad Johnson with 30 seconds to go before halftime.
"Charles Woodson was covering me, and I got open," McCardell said talking a little slower as if to savor the moment. "The touchdown sealed the deal."
Tampa Bay led 20-3 at halftime and went on to win 48-21.
McCardell wants that championship feeling again. That is why for him, running with the scout team is no big deal.
"You can never stop working on your game, and I've always been told that the minute you stop working on your craft is the minute you lose your craft," McCardell said.
"He is," Schottenheimer said, "a delight to be around."
Steve Scholfield is senior sports columnist for the North CountyTimes. He can be reached at (760) 740-3509 or email@example.com .


text:
Results 1 to 4 of 4
06-14-06, 15:05 #1Registered User
- Join Date
- Jun 2006
- Posts
- 2
Unanswered: unable to switch warnings back on
I need some urgent help, It seems my access warnings are off , and stay off.
I tried using a macro , and a piece of code :
DoCmd.SetWarnings True
but still no warnings
I't it verry difficult to make data manipulations like this , I hope someone can help me
06-14-06, 15:25 #2Registered User
- Join Date
- Jun 2006
- Posts
- 2
I experimented a little further , when I start the database by clicking on the access file, no warnings, but when I open access first and then from access the access file the warnings are back !!
also when I start access using my database, no warnings , when I then close the database and keep access open , I create a new database or open an other one, the warnings are stil off.
06-14-06, 16:15 #3Registered User
- Join Date
- Jul 2003
- Posts
- 16
If you mean the macro expressions warning, check your settings it you reset to low security. Check up on Sandbox security. With medium and high security settings you need a digital signature to eliminate the warnings.
06-16-06, 04:45 #4Registered User
- Join Date
- Jul 2004
- Location
- Blackburn, UK
- Posts
- 169
It sounds to me like you have switched warnings off somewhere and not switched them back on.
Check your code to make sure that you dont disable warnings without re enabling them.
Also check that if you code goes through an error that you write into the error capture to re enable warnings as if the query fails for any reason and it goes through to the error then the warnings will remain disabledBased on DAO 3.6 and Access 2000 + 2003
VB.Net 2005 + ADO.Net


text:
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text:
10:40 PM - July 12, 2007 by ExtremeGamer
Kotaku has posted their preview of Project Gotham Racing 4.
"Being a big fan of PGR3, despite being a lousy driver, I was definitely looking forward to Project Gotham Racing 4. The addition of bikes was cool when I heard about it last week, but didn't seem like anything totally revolutionary to me. But if you take the bikes and combine them with all the changes to the game engine, PGR4 seems to be changed just enough so that people who have the previous version will want to grab the new version as well."


text:
Solid Spruce Top
Maple Back & Sides
Ebony Fingerboard
Piezo Transducer Pickup
Active Tone & Volume Controls
Headphone Jack
Adjustable Maple Bridge
Sunburst Finish
Combination Leather/Plastic Bag with Backpack Straps
Scale Length: 40 1/2" Electric Upright Bass
With its sweet sound, great look, and light, portable design, the Palatino Electric Upright Bass is the answer to every bass player's prayer. The VE-500 has a chambered body of select spruce and a vintage sunburst finish. The slim, maple neck and curved ebony fingerboard emulate an acoustic upright bass. The adjustable maple bridge rests on the Piezo transducer pickup, giving the VE-500 its large, booming tone.
The four geared tuners with metal buttons offer easy, accurate tuning. The black finished metal tailpiece is sturdy and practical. The lightweight endpin offers an infinite range of adjustment with a positive locking mechanism.
The VE-500 is absolutely versatile with its active tone and volume controls and a headphone jack with preamp. A rugged combination leather/plastic carrying bag with backpack straps is also included.
The VE-500 is fully shop-adjusted in the U.S. and ready to play right out of the box. The low, effortless action will appeal especially to fretted electric bass players making the transition to an upright instrument. The big tone, which is just like an amplified acoustic bass, will please professionals looking for a bass they can travel with.
List: $879.95
Item Number: VE-500
$1,333.99 Reg.
Scripting is required to use this site. Please ensure scripting is enabled in your browser before continuing. If you have questions about enabling scripting on your browser please contact customer support at MyQuickResponse.


text:
Art, NN7A, will operate as V31JZ/p from South Water Caye, Belize (IOTA NA-180) from 15-21 Feb 2017, including an entry in the ARRL International CW DX contest.
This will be a one-person operation using a 100 watt transceiver and wire antennas. Operation will be mostly CW on 160-10m including WARC bands. No online logs.
QSL direct via NN7A (Art Phillips, P.O. Box 73, Eckert, CO 81418 USA), or via the ARRL bureau. Bureau cards sent to Belize cannot be answered (there is no active V3 bureau).


text:
There are certain healthy things to do before breakfast. In fact, starting your day in a healthy way sets a different tone and mood for the rest of the day.
Also Read: Health Benefits Of Vegetable Juices
If you wake up in a bad mood and continue to be like that for sometime, you may affect the mood of others around you. In fact, you may spoil others' day too.
But if you can set your moning routine in such a way that you feel grounded and stable, your day will take off well. Though certain things seem simple, following them everyday isn't easy.
Also Read: What's The Best Lunch To Avoid Sleepiness?
A new study claims that people who have a great morning routine tend to perform well in their jobs and also enjoy overall health. Also, when it comes to feeling positive for the whole day, your morning ritual helps a lot.
So, here are a few things to do before breakfast. Try them daily.
Drink Water
Soon after getting up, the best thing to do is drink water. You can add lemon or ginger or turmeric or honey to water to enhance its detoxifying effect. If you don't want to mix anything, at least drink plain water. It offers its own advantages.
After you finish brushing your teeth, gently stretch your body to stimulate the circulatory system and get the body ready for the day.
It is good to schedule your workouts in the morning so that you will feel energetic when you reach your office.
Bathing after a meal isn't good for digestion. So, ensure that you shower before your breakfast.
Meditation in the morning cleanses your mind and keeps it stable. In fact, your mind will be more receptive in the morning.
Play With Your Pet
If you have a dog, you can take it out for a walk and play with him. Your mood gets a boost when you spend your morning with your pet.


text:
HQ: Istanbul, Turkey | Available in: Europe,MEA
Eurosis Consulting is the "Strategy Implementation Services" partner you can trust.
Eurosis brings innovative and proven business ideas into life, delivers business opportunities and works with its clients in all the phases of transformational projects from strategy to implementation and achieving results.
Eurosis is the leading management consulting and professional services company and operates in Europe, Turkey, CIS Countries and Middle East.
Eurosis Consulting provides a wide range of professional consulting services to leading international and local companies in the region.
Eurosis has outstanding reputation and deep expertise in transformational engagements by utilizing the following consulting capabilities:
Eurosis delivers mission critical business process improvement solutions on Camunda platform by combining methodological approach, functional expertise, industrial knowledge and experienced consultants.
Eurosis Consulting is the authorized regional training center of APICS – Association for Operations Management (www.apics.org) and regional member of APQC – American Productivity and Quality Center (www.appqc.org).
For more information please visit www.eurosisconsulting.com or contact Ms. Sinem Arslan at email@example.com, Mr. Murat Suner at firstname.lastname@example.com