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A new building on an old site, this is one of the premier tourist stops in Chongqing. Dining and shopping is best here.
A new building on an old site, this is one of the premier tourist stops in Chongqing. Dining and shopping is best here.
The whole area is captivating, the history, the unique structures against the cliffs high above the river. But check the prices of your purchases, including meals, before you place your order, or you might end up paying ten dollars (58 RMB) for a bowl of meatless soup. It was a big bowl, but one I'm used to paying no more... More
Mostly tourist stuff, not really quality items. International food is an attraction for some foreigners. The cramped, local, food street is a good reason to go. Easy to get to from the pedestrian street at the monument.
Hongya Cave is a structure by the Yangtze river. I never understand why they call it "Cave" since I don't see any. But, the structure itself is very unique, and shows all the "Shan Cheng" (aka Mountain City) characteristics. A lot of local authentic food and souvenirs. If you like hiking, you should take a cap stop a the bottom... More
I personally think this is a must visit in ChongQing. The architecture is so quintessentially Chinese, you must see it in person to appreciate. The place is divided in many levels, containing restaurants, markets, shops, and hotels. I recommend visiting late in the afternoon, after a stroll on through the market, you can settle in at one of the Hot... More
The place is strange but worth seeing the cave part at the side was cool to climb up through. It was very busy when we went and a little disappointing when you get to the top and find a branch of subway.
Small shops, interesting restaurants, pubs. Nice wiev ovet the river and in the evening you can see iluminated boats on the river. In the evening the area lighted up nicely.
The buildings were pretty. Lots of restuarants and some souvenir shops but nothing that interesting to me.
We hike all the way and in the summer you may want to reconsider. It was close to 100 deg F and that was a little too much. Thankfully there were plenty of vendors that provided fresh bottled water...
It is nice to see the ancient looking buildings and traditional ways that snacks are made, particularly when tasting is available. Unfortunately we reached a little late for the shopping area and is unable to appreciate more of the place.
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NEW YORK, NY - OCTOBER 20: Nacho, a four-year-old Schnauzer, poses as a New York sightseeing bus driver at the Tompkins Square Halloween Dog Parade on October 20, 2012 in New York City. Hundreds of dog owners festooned their pets for the annual event, the largest of its kind in the United States. (Photo by John Moore/Getty Images)
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I don't know where the mistake is, but there obviously is a mistake.For Ricky: I left the points unjustified to see who will notice this and post some note.Now I see you're a good moderator.
Yes, I know that way, I wanna know why it won't work when I use perpundicular distance.
Looks great, except I would find a way to left (or right) justify the points so the numbers don't go through the lines.
How's that graphic?I'm starting to make good Mathematica graphics:)
I think yes. Now the question is to find A and B:
Do you mean x² + y² = 8? Otherwise, it isn't a circle.Assuming that you do, the question is to find the mid point of AB, correct?Assuming that as well, what I would do is just find A, then find B, then find the midpoint between the two by:
Ok we got this question in maths.Find the midpoint M, of the line passing through points A and B of circle:


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Antti Niemi stopped all 26 shots he faced and Ryane Clowe scored the only goal Niemi would need as the San Jose Sharks shut out the Philadelphia Flyers, 1-0, Tuesday night at the HP Pavilion.
Clowe beat Ilya Bryzgalov from the left circle high to the blocker side on San Jose's first shot on goal at the 1:22 mark for his 11th goal of the season and first in the last 13 games. With having yielded the goal, the Flyers have now allowed the first goal in a game eight straight times, and in 11 of their last 12.
Both goaltenders would be impenetrable the rest of the way, as each would be tested on several high-quality opportunities. Bryzgalov stopped a Dan Boyle slap shot when the Philadelphia defense backed in late in the first, then made a glove stop on Joe Thornton on a two-on-one, and smothering a Brad Winchester slapper on another two-on-one.
Niemi's hardest tests were held for the game's waning moments, when a furious Flyers' flurry with Bryzgalov pulled for an extra attacker saw great chances by Braydon Coburn and Claude Giroux, but Niemi and the Sharks' skaters were able to get in the way.
It was Niemi's fifth shutout of the season as he improved his record to 25-15-6. The Finnish netminder did a great job in rebound control as there was very little sustained pressure for most of the night from Philly.
San Jose came into the game just 3-8-1 over the last 12 games but was able to jump back into the sixth spot in the Western Conference standings.
Philadelphia, who entered the game tied for the most goals scored in the NHL (203) with the Vancouver Canucks but have now been shut out in two of their last three contests, failed to win consecutive games for the first time since mid-January. They remain in the sixth slot in the East.
Bryzgalov stopped the last 22 shots of the game he faced but took the loss to drop to 22-13-6.


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Western Heritage Furniture
Extraordinary reclaimed wood furniture handcrafted from the salvaged wood of old barns, buildings and other American structures, originally constructed from old growth timber more than a century ago. Maintaining a "green" ideal since 1991 when we first started making furniture from recycled logs salvaged from slash-and-burn piles in the Pacific Northwest. Over the years we have grown to be one of America's premiere furniture builders by striving to be extraordinary in everything we do...read more
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Tim McClellan's Copper Chopper & Scary Tales of Ghostwood & Grease Story by J. JOSHUA PLACA Photos by TIM McCLELLAN and J. JOSHUA PLACA As is sometimes the case...read more
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This year the 45th annual Jerome Home Tour (http://www.jeromechamber.com/pages/hometour.htm) took place and continues to be longest running tour in Arizona. Every year a small handful of residen...read more
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REFEREES - training
Quiz Yourself! "You are the Ref" log in and quiz yourself. Read the Scenarios and check your answer against the decisions of famous retired Premier League Referee, Keith Hackett with comic strip pictures from the artist Paul Trevillion. This is really fun. here's the link: You Are the Ref ___________________________________________________________________________ and now... here's a simple explanation of Offside by John Cleese _________________________________________________________________


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Will Stacy Lewis defend her title?
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Read all about the first tournament of the season.
Fun Fact Friday is a new weekly series where LPGA.com will share with you five fun facts about a player.
Brittany Lang was quizzed on her own game and some golf facts.


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All of your Paul Cameron bullshit has been professionally debunked. Interesting that you are still pumping it. The deceptions should be obvious to an intelligent and objective person, which clearly you are not.
But as an aside, it's funny how Kinsey is a disproven moron when it suits your ilk , but a valuable resource when you want to use his work. You are without integrity.
Flip schmip. People don't flip. They do experiment, but they don't flip. I had a male roommate once who practically bragged about having sex with lesbians. I'll translate that for you: he would go to the sleeziest bar in town, get roaring drunk with other alcoholics (and I suspect that drugs were involved as well) and then end up in some sexual situation which may or may not have included some woman trying to get pregnant by a handsome blond haired blue eyed drunk.
This post makes no sense. Just because someone is willing to pay a heterosexual bodybuilder to make gay porn doesn't change the "actor's" sexual orientation, anymore than a lesbian being a whore or a concubine in some Arab's haram makers her heterosexual. People do things for money that they wouldn't do for free. Have you ever heard of someone mining iron ore for fun or romance?
And here we go again. First, a blanket dismissal, followed by an ad hominem attack. I will address the former, first.
Paul Cameron is not cited as a source for any of the articles listed. Using him as a straw man is may feel good, but it doesn't address the findings of the other studies cited. Nor does it have anything to do with Calhoun's overcrowding study, which I also referenced. If you have objections to the studies in question that are based on facts, then by all means, feel free to explain them, but if this is the best that you have, then you might as well give up. This leads to the second part of your response. Neither of us is "objective", in that we both have opinions on the subject, but you are far less objective on this issue than anyone here. It is obvious that any failure to fully embrace your lifestyle offends and angers you. Given how close you are to the issue, this is understandable, but it does not exempt you from the requirement to argue facts, rather than simply dismiss any disagreement as bigotry or religious fanaticism. If you cannot even acknowledge that there are significant drawbacks to homosexuality, then why should we take your claims of the positives at face value? If you cannot present your arguments without insulting and demeaning the people who disagree with you, why should we listen? If you cannot convince with argument, then your insults simply demonstrate that your arguments are invalid. It's just smoke on the battlefield that you use to try to obscure your maneuver, but it doesn't work.
The article cited Kinsey. I merely quoted it because I didn't want to omit its citations, which would have been dishonest. I consider Kinsey a flawed researcher with an agenda, but some of his data is useful. Sorry if that's too nuanced a position for you. In the case of the citation, keep in mind that Kinsey's interviews were conducted with prison populations, so they will tend to skew higher for illegal acts, such as molestation. It's also why his estimates of the gay population were off . Obviously, a prison population is much more likely to skew towards homosexuality than the general population, both because of the enforced absence of the opposite sex, and the fact that because homosexuality was illegal, you would find a higher percentage of homosexuals among those who had been arrested for anything. If you poll a prison population for any illegal conduct, you will find a higher percentage of it in prison than outside, simply because of the filtering of the sample through the legal system. This isn't meant as a judgment, it simply explains the disparity in the numbers. However, those numbers had other impacts, and that's where Kinsey's work is problematical. Where Kinsey tends to fall apart is in his theories, most of which were based on the skewed research and filtered through his own personal agenda. In his defense, he always sought to expand his research pool in order to gain a more representative sample. Like many pioneers, he was working in uncharted territory and often made mistakes that later generations of researchers corrected. In this regard, he is a lot like Freud, whose value is not in the dogmatic repetition of his theories, but in the recognition that he was the first to seek a means of codifying mental illness as other doctors were doing with physical illnesses.
As for my integrity, you took an entire list of citations of studies, tarred them all with your comment about a researcher who was not cited and had no input into those studies, and then cherry-picked one citation in order to attack me. I don't think that my integrity is is in question in this exchange
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Massage >
Alexandra C. Fisher, LMTBy appointment only
Neighborhoods: Downtown, Greenwich Village
Fantastic Massage – What a fantastic massage therapist. Alex is really great. I had been feeling so tired lately and Alex just massaged away that feeling. Bob Hope once said that he lived as long as he did because he got a massage everyday. Now I believe it. Hopefully I will be able to get one about once or twice a month. Her office is also so convenient in Manhattan. I will be a regular client.
HEALING MASSAGE – I have not had many massages but I found this one to be very effective. Alex was very nice and the massage was great. I normally suffer from back pain which gets worse when I exercise. I told Alex and she first applied heat to my back before working on the it. I felt an instantaneous reduction in the pain. By my second session the pain had subsided a great deal. She knows her craft and I was so happy to have found a massage therapist with such healing ways. I will definitely be back.
Great Massage – Alex is a wonderful massage therapist. My massage was relaxing and therapeutic. She listened and paid particular attention to my problem areas. She was friendly and professional. A day later I felt renewed and re-energized. I wish I could have one every week.
Great therapist but just didn't do it for me – I think Alex is great therapist in that she is very thorough, listened to me, and very professional. She has never tried to sell me anything and has very competitive prices. I hate to say that she just didn't do it for me. I have very serious deep muscle knots that required a lot of work that I understand would take several visits to work out but after a few visits I started getting migraines just shortly afterwards and no relief. I don't think its anything that she could have done wrong but I ended up going to Bliss and seeing someone known for getting muscle knots out, which he did on the first try and without me getting a migraine afterwards. If it wasn't for that then I would have kept seeing Alex because I have no complaints about her.
Editorial Review – Massage therapist specializes in using Swedish, shiatsu, and hot stone to relax and refresh clients; offers home visits in Manhattan.
Massage Therapist – I have been a client of Alex's for years and she is quite simply the best massage therapist that I have ever had. PERIOD. She has superior knowledge of the body and how it works, and is deeply sensitive and intuitive about any issues that might be going on. Alex's warmth and intelligence combined with her magic hands make this an experience you will never forget, and one you will definitely repeat.
Addiction-worthy massage! Find room in your budget – I don't slow down or unwind easily, but from the minute I stepped into Alex's office--a sky-blue oasis near Union Square--I was calm. Alex has a warm, caring manner and strong yet gentle hands. After just a few minutes I was drooling--she relaxed muscles I didn't even know I had! My only complaint is that the massage eventually ended. :( Next time I'll definitely have an at-home session so I can ooze straight to bed afterward. I'm so glad my friend recommended Alex to me!
Best Massage – After a massage with Alex, I feel completely rejuvenated, and ready for everything!!
She's the best in NYC!
Dr. Elizabeth Greenberg
Fingers of steel, yet gentle and soothing, deep tissue Nirvana! – Alexandra provides a completely satisfying deep tissue massage experience; I am especially grateful for her advanced training in flushing lymph glands. After one of her massage treatments, I feel like a noodle afterwards. Plus, great location and lovely "spa" experience with soothing ocean colors and relaxing aromatherapy in her professional, immaculate office suite.
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Homes sales are up for Manatee County Realtors.
In April, the Manatee County REALTORS filed 68.2% more single-family home contracts than in January, up to 471 contracts from 280.
On a local level, data shows that "under contract" homes are at the highest they have been for more than a year, a possible indicator that the housing market is making a turn.
In April, Manatee County reported 304 total sales, up from 234 in January. Additionally, of those homes, 66% were either bank-owned, foreclosures or short sales, a steady decrease from previous months.
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Five Day ForecastWelcome to the Hampton Inn Athens hotel conveniently located in an Athens, Ohio business district and adjacent to the Market on State shops. Our hotel in Athens, Ohio is only three miles from Ohio University. Stay with us when you attend Ohio University sporting events, homecoming or graduation. Stroll the College Green and see historic Cutler Hall and the Alumni Gateway on a campus tour. Browse unique shops in nearby Uptown Athens. Bring your bicycle and enjoy a ride along the Hockhocking Adena Bikeway, a 19-mile trail built on an old railway bed. The trail is also great for walking, running and rollerblading. Join other cyclists for the Pelotonia, held each year near our hotel in Athens. Our Athens hotel also offers ideal proximity to outdoor recreation at Strouds Run State Park and Wayne National Forest.
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Posted May 18, 2011
By mleybaAir Academy held off Denver East 20-18 in the state high school girls lacrosse playoffs Wednesday, May 18, 2011.
May 08, 2013 | Photo
Photos from the high school lacrosse game between ThunderRidge and Heritage/Littleton in the first round of the 201
May 23, 2012 | Photo
Air Academy defeated Cherry Creek 14-8 for the 5A Girls Lacrosse Championship at University of Denver's Peter Barto
May 10, 2012 | Photo
Mullen pulled a mild upset in the Class 5A state girls lacrosse playoffs, defeating Cherokee Trail 13-9 Wednesday,
Apr 28, 2012 | Photo
The Regis Jesuit girls lacrosse team defeated the combined Douglas County/Castle View team 19-4 at Lou Kellogg Stad
Apr 20, 2012 | Photo
Photos from the girls high school lacrosse game between Cherry Creek and and Kent Denver on Friday, April 20, 2012.
Apr 10, 2012 | Photo
Kent Denver and the Carondelet (Calif.) girls lacrosse teams faced off in a high-scoring, seesaw affair Tuesday at
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Posted 17 May 2006 - 11:30 PM
For six months in the early 1970s, Arnold Hinshaw, his wife, Ginger, and their six children lived at Summerwind. Within these few months, Arnold was driven mad by ghosts and his wife attempted suicide...
(This excerpt was taken from the book Haunted Heartland written by Beth Scott and Michael Norman in 1985).
Summerwind, the mansion, has basically vanished in the 20+ years since this account was written by Beth Scott and Michael Norman. A fire and the elements have left only the foundation and two chimneys of this once stately mansion. But, the legends surrounding Summerwind refuse to vanish with time. In fact, Wisconsin ghost-hunters will tell you that the legend of Summerwind has only become more complex, dark and eerie with time. Something, many will say, still lurks among the ruins there.
The legend of Summerwind
Summerwind was built in 1926 by Robert Lamont (who supposedly took a few shots at a ghostly intruder in the house). The rumors of ghosts inhabiting the mansion seemed to spring to life when Arnold and Ginger Hinshaw and their children moved into the mansion in the early 1970s. Strange and frightening experiences abounded: shadow people, a car suddenly and inexplicably bursting into flames, disembodied voices, subcontractors refusing to perform restoration work on the house, the discovery of a corpse, demons, a nervous breakdown, a suicide attempt, the mystery of a land deed supposedly sealed within the foundation of Summerwind, shrinking and expanding rooms, possible time warps, etc. etc.
Not to mention photographic evidence of the bullet holes supposedly used to scare a ghostly intruder from the premises.
Perhaps, the most intriguing angle of the history of Summerwind is: The Carver Effect. This book was written by Wolffgang von Bober, Gingers father, and the man who bought (and, there is some speculation on whether or not he was successful in actually buying) Summerwind after his daughter tried to kill herself in the house. He had dreams of making the house into a restaurant and an inn...and, finding that mysterious land deed supposedly given to an eighteenth-century explorer named Jonathan Carver by Sioux Indians over 130 years before Summerwind was built.
Supposedly there are some paranormal ties between Summerwind, Jonathon Carver and that very land deed, hence: The Carver Effect. Supposedly, Jonathan Carver is still searching for his deed. And, Raymond Bober (a.k.a. Wolffgang von Bober) stated that he had been communicating with the long-dead Carver in dreams, trances and a Ouija board.
BUT, researchers have uncovered various items of interest, including the point: how could a deed, supposedly that of Jonathon Carvers, have been buried in the foundation of Summerwind, when the house wasnt built until 136 years after Carvers death? Too, how could the deed have ever even been when the Sioux Indians had never owned any land east of the Mississippi (or, at least, there are no documented reports of that they had)?
Too, we must not discount the reports of people living near or in the house over the course of its life before the Hinshaws moved in there. Very few, it seems, ever experienced any haunting in the house (despite the occasional creepy feelings) and the only tales of hauntings that sprang up sprang up after the house became desolate and delapidated. Mind over Matter? Publicity stunt? Or, is Summerwind actually host to the paranormal? Several paranormal investigators who have recently visited the house have experienced wierd ocurrances and captured strange evidence with photos...
It is impossible to unravel all of the mysteries surrounding Summerwind. I have scoured countless reports and get a different story from nearly all of them. In my researchers mind, even I cannot make much sense of the legend of Summerwind and spent hours just trying to piece what reputable information I could together to present here on GV. Was/is Summerwind really haunted? Was the haunting dreamed up for publicity purposes? Or, did the lively imagination of local children staring up at the gaping holes of a once beautiful mansion take charge and lead to scary tales of all kinds?
But, does any of that matter? It doesnt if you happen to be standing on the shore of West Bay Lake in northern Wisconsin amongst the ruins of a once beautiful mansion...and, get the eerie sense that something unearthly is lurking behind you.
(I have relied heavily on the accounts of Beth Scott and Michael Norman in the researching of my summary here because I strongly believe in their knowledge, research skills and ability to use common sense in the putting together of a reputable account of a possible haunting. I have also read accounts of reputable paranormal researchers who have studied Summerwind to verify certain accounts regarding this story).
Here are some interesting links, though, for all here at GV to check out on Summerwind:
http://www.prairiegh...com/summer.html (a good, all-around summary of Summerwind).
http://www.lakelandt...s.php?story=140 (Interesting interview with Wolffgang von Bober on Summerwind and his book "The Carver Effect." I like the end the best...if he only knew how many Wisconsin ghost hunters know the exact location of the house....)
Posted 01 June 2006 - 12:32 AM
Today, only the foundations, the stone chimneys and perhaps the ghosts remain ...
This is the part that makes me think the house was put out of it's misery.
Edited by Axman, 01 June 2006 - 12:33 AM.
Posted 21 August 2007 - 02:17 PM
Posted 21 August 2007 - 10:11 PM
Posted 22 August 2007 - 07:47 AM
Posted 22 August 2007 - 08:27 AM
Posted 18 March 2008 - 10:11 AM
I attempted to locate the ruins this past September, and darn it all I drove past the drive at least 4 times. My suspicions were confirmed after looking at some impressive photos by someone that had been there in Augst I believe.
I WILL... WILLL! find Summerwind, (or what's left of her) this coming September. I plan on a pretty thorough EVP session, with several recorders going while I am there.
Anyone have any questions they would like asked while I am there?
Posted 18 March 2008 - 07:54 PM
1. What is your name? (a basic question)
2. Did you own this property?
3. Why are you still here?
4. What year did you die?
5. Did you have anything hidden?
Posted 18 March 2008 - 08:02 PM
Basics will be covered, was looking for something profound in terms of the story behind the place.
I like your last one though.
Posted 18 March 2008 - 09:53 PM
Posted 19 March 2008 - 08:07 AM
Posted 19 March 2008 - 05:00 PM
If another house is build on this property, are you going to haunt it also?
Posted 01 April 2008 - 07:43 PM
Posted 11 June 2008 - 04:59 PM
Oniix, on Apr 1 2008, 07:43 PM, said:
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Still, I'd mostly forgotten about our discussions about organ donation when I happened across a segment on "Good Morning America," where they rebroadcast a story by reporter Gary Reaves that originally appeared on its ABC affiliate, WFAA in Dallas/Fort Worth, Texas.
The story was about 13-year-old Taylor Storch, of Texas, who was vacationing with her family in Colorado when, on the last day of their ski trip, Taylor crashed into a tree. After Taylor's parents were told she would not survive, they decided to donate her organs, knowing it was something their daughter would have wanted.
The recipient of Taylor's heart was Patricia Winters, a 39-year-old Arizona mother whose heart had begun to fail shortly after the birth of her second son five years earlier. Winters' condition had deteriorated to the point where she was so weak she was sleeping 18 hours a day.
Although recipients of donated organs are usually kept confidential, publicity following Taylor's death enabled both her family and the recipient's to quickly recognize their connection.
The televised segment I watched (www.wfaa.com/news/health/taylors-gift-103409364.html) shows Taylor's parents meeting Patricia Winters for the first time. Taylor's mom hugs Winters so tight, and you can guess what she's thinking. Taylor's heart is there. It's still beating.
Although it was nowhere near the same as getting to hold her daughter again, I can imagine how it must feel to know that a part of her is still alive -- even if it's in someone else.
I suppose there are some naysayers who might feel that it's morbid, but I can't imagine anything more comforting than to know the person you loved is still around and still able to help another person.
Actually, many others, since a single donor can save as many as nine lives through organ donation, and can enhance more than 50 lives through tissue donation. In Taylor's case, her pancreas and one kidney went to a 49-year-old husband and father, while her other kidney went to a 33-year-old man. Her corneas and liver changed two other lives.
All I know is I've never seen anything that affected me quite like seeing those two women embracing -- the one who had lost a life, and the one who had found life as a result.
Reach Karin Fuller via email at karinful...@gmail.com. For more information on the organ donation campaign Taylor Storch's family has launched, visit taylorsgift.org.


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Home > News and Events > Speeches |
Speech |
Remarks on Early Intervention and Resolution |
October 25, 2010 |
Christine M. Cumming, First Vice President Transatlantic Corporate Governance Dialogue, Brussels, Belgium Let me thank the organizers for the opportunity to speak today about the supervision and resolution of financial institutions in danger of failing. Let me begin by noting that the views I'll express in these remarks represent my own views and not those of the Federal Reserve Bank of New York or the Federal Reserve System. In any industry, it is important that unsuccessful firms fail. Business strategies fall short, franchises depreciate, management loses focus. Large or small, unsuccessful firms need to be cleared from the scene through merger, restructuring or liquidation. This is no less true for the financial industry than for any other. And for all firms, society has an interest in ensuring that the process of failure does not destroy more value than necessary. As an economist, I see much innovation in national insolvency practices over time as designed to reduce the cost of insolvency and increase the value preserved in the insolvency process. One of the vexing problems during the recent financial crisis was concern about the adequacy of means to resolve large financial firms and uncertainty about the externalities of placing a large financial firm into insolvency. The Lehman bankruptcy no doubt validated those apprehensions for many. Some of the issues in resolving large, internationally active financial firms have been recognized for some time—the multiplicity of jurisdictions, differences in insolvency regimes across countries, complexities in unwinding certain books and the largely untested nature of national, much less international, resolution processes for such very large financial firms. Over the last 20 years, the international legal and supervisory communities have undertaken several efforts to address these issues. In the wake of the financial crisis, the Basel Committee on Banking Supervision formed a Cross-Border Bank Resolution Group to identify what improvements could be made to the international resolution process and recommend actions to be taken. It published its recommendations in March 2010. The CBRG's report is admirable in its clear description of the problems encountered in the fall of 2008 and the concrete nature of its recommendations. I will be referring to them throughout my remarks. As the CBRG was completing its draft report, the Financial Stability Board asked a working group, the Cross Border Crisis Management Group, to advance the development of recovery and resolution plans for cross-border institutions as recommended by the CBRG. I'd like to make three points today. The first is to highlight the importance of timely supervisory action in preserving the value in a financial firm. The second is to underscore the important innovation in supervisory practice represented by recovery planning. The third is to paint a picture, an admittedly optimistic picture, of the improvements in the international resolution process made possible by following the recommendations of the CBRG. I will conclude by returning to my starting point, to the importance and the scarcity of time in dealing with a troubled financial firm. The Important Role Time Plays at a Failing Firm U.S. banking, securities and finance companies in the early 1990s experienced the late stage of just such a cycle in which commercial real estate and leveraged buyout lending overexpanded. The result was that many large financial institutions had to be merged into others or unwound. Banking supervisors responded to these problems by requiring banks with large, problematic exposures to implement a three-part program. First, the bank comprehensively identified its problem loans and assigned them to workout specialists. Second, the bank developed and executed a capital plan and strengthened its liquidity. Third and essential to raising new capital, the bank developed a new business plan demonstrating its ability to return to profitability. This program worked, in large part because it was applied timely enough. Stylized facts about time's role on the value of a failing firm created urgency in implementing the program. Those stylized facts were:
This three-part program of identifying all problems, replenishing capital and liquidity and recasting the business plan was designed around loan exposures, but continues to be relevant today. The challenges are to adapt such a program to the many financial institutions strongly oriented toward capital markets activities with the resulting volatile balance sheets and income streams and to apply the program timely. Time also plays an important role when a financial firm is subject to an insolvency process. Another stylized fact is that the market value of the assets and business lines often suffer a substantial markdown when a financial institution enters insolvency and may decay further thereafter. The Federal Deposit Insurance Corporation (FDIC), the resolution authority for banks in the United States, routinely experienced losses in resolving banks in the 1980s, when it was required to wait until the bank's book value had reached zero. That led to the provision in FDICIA 1991 that a bank can be declared insolvent when its tangible equity falls below 2 percent of assets. A Supervisory Innovation: Recovery Planning The CBRG has recommended that all systemically important financial institutions develop recovery plans. I believe the development of such plans by healthy institutions and their discussion by a college of the firm's principal regulators constitute important innovations in the supervision of financial institutions. The Cross Border Crisis Management Group has provided momentum and a forum for discussion of progress and challenges as supervisors initiate discussion of recovery plans with firms. The discussions we have held in the United States involve the financial institution, its major U.S. regulators and the regulators of the foreign legal entities containing its principal business operations. Those discussions have included both the development of a global liquidity contingency plan and a plan to reduce the risk profile of or "derisk" the financial firm by winding down or selling business operations or financial assets. The intention is to have recovery plans, as well as resolution plans, in place by the end of 2011. Recovery planning has several important benefits. The first is to bring about a discussion of the firm's response to very severe stress scenarios. In addition, the principal supervisors of the firm are present together with the firm to discuss the plan as it evolves, contributing to a common base of understanding of the firm among the supervisors. The second benefit is the identification of impediments to the firm's recovery. In our discussions with U.S. institutions, four important impediments have surfaced and the same themes, all familiar concerns for supervisors and resolution authorities, have surfaced in other discussions led by members of the Cross Border Crisis Management Group. The difference this time is that the issues are being raised by the firms themselves. The first is the availability of sufficient financial information by legal entity. It begins with simple housekeeping—records that accurately record the legal entities of both the firm and the customer involved in a financial transaction, an asset holding or a liability. Given the extensive consolidation of firms in the financial industry, the information systems of many firms are an accretion of systems, with issues of consistency, comprehensive aggregation of exposures and speed of information retrieval for analysis. For example, most firms in distress find it difficult to answer a crucial question: what market participants are most exposed to me and how will they react to my difficulties? A second impediment is the complexity of unwinding certain books of business, where the business is originated in one location, recorded in another and risk-managed in a third. Derivative transactions are a prime example. The level of complexity related to how and where trades are marketed, booked, funded and risk-managed leads to high levels of connectedness within the firm, particularly as institutions book "back-to-back" intragroup trades to transfer the economics of a transaction to a central portfolio for risk management purposes. The third impediment is the use of intragroup guarantees. Institutions sometimes use parent guarantees to support and cover particular transactions or the entire operations of separately capitalized subsidiaries in foreign countries. Guarantees of this sort allow firms to operate subsidiaries with less capital, but can distort the pricing and economics of the subsidiary's business activities and make the subsidiary more valuable to the current owner than to a potential buyer. In addition, the default of a guarantor may allow counterparties to terminate contracts and seize collateral even though official sector efforts are attempting to preserve the local operations. The fourth impediment is the need to preserve global payment operations. The cash management, cash payments, securities settlement and custodial services that some firms offer to wholesale and retail clients are essential to the functioning of clients, the economy and the financial system, but such services have high switching costs for customers. These services often represent core business lines with stable profitability and thus valuable assets for financial firms, but they are also often entwined with other businesses in the firm. The fundamental nature of these activities and their importance to the financial and real economies make them of special interest to the financial authorities reviewing recovery plans and developing resolution plans. The four impediments are all related to institutional complexity. A financial firm organized as a single legal entity would certainly face many complexities, but far fewer than organizations today. This clearly raises the issue of whether the extraordinary organizational complexity of financial firms today imposes social costs that are too burdensome, especially in resolution, relative to its benefits. The economists Dick Herring and Jacopo Carmassi earlier this year documented the reasons for the vast number of subsidiaries at large financial firms, reasons such as regulatory requirements, regulatory arbitrage and tax avoidance. If such organizational complexity imposes a high social cost by impeding recovery plans and resolution, providing incentives to reduce complexity may be warranted. For example, collateralization or capital requirements on intragroup exposures or parent guarantees could internalize for the firm some of those social costs. Alternatively, more direct supervisory requirements may be necessary for addressing the improvement of information systems or the separability and preservation of critical payment systems. But such measures have costs and I would argue increase the relative benefit of efforts to identify the no doubt very difficult changes necessary in both the private and the public sectors to reduce organizational complexity in financial firms. I note that the CBRG report not only has recommendations largely addressing the four impediments to recovery I described, but also a recommendation to simplify financial firm organizational structures. A final benefit of recovery planning is that it is a prod to concrete action in the near term, when the institution is healthy and provides a ready-made menu of options when the firm is distressed. Moreover, the impediments to recovery are also impediments to resolution. If the recovery plan does not succeed in averting failure, but the firm has acted on the plan, it will enter resolution with better information systems, a reduced risk profile and perhaps fewer intragroup exposures than it otherwise would have. Resolution Planning The desire to improve the resolution process for cross-border financial firms is widely shared, but how we should we judge progress? The success of private and public sector actions, such as those recommended by the CBRG, to improve the resolution of systemically important firms can perhaps be gauged by the extent to which resolution costs are reduced. We might further gauge progress against additional expectations, such as the absence of taxpayer support of the resolution process, the efficiency of the process (to the extent it is not captured in resolution costs) and the equitable and consistent treatment of stakeholders. To improve the resolution process, the CBRG's first recommendation is that national authorities have appropriate tools to deal with all types of financial institutions in difficulties so that an orderly resolution can be achieved. The recommendation specifically mentions power to create bridge financial institutions, transfer assets, liabilities and business operations to others and to resolve claims. The FDIC has these powers for banks and thrifts as well as a great deal of experience in managing bank failures and has demonstrated the utility and flexibility of its tools. A positive development is that many countries are considering or have adopted legislation giving the financial resolution authority similar powers. The U.S. Dodd-Frank Act passed in the summer broadens the scope of the FDIC's resolution powers, although in a carefully circumscribed manner. The Dodd-Frank Act allows the FDIC to resolve not only a bank, but a financial holding company of a banking organization or a nonbank financial institution, if the requisite recommendations and conditions are present, among them, that the failure is a threat to financial stability. When the FDIC is appointed receiver, it has available its full set of resolution powers, including the ability to create a bridge company for a nonbank financial institution. The Dodd-Frank Act also strengthens the supervisory regime for systemically important financial firms. It empowers the newly formed Financial Stability Oversight Council (FSOC) to designate bank and nonbank firms as systemically important. The FSOC has just published an advanced notice of proposed rulemaking soliciting comments on the criteria for designating nonbank financial companies systemically important. Companies that are so designated will be subject to consolidated oversight from the Federal Reserve. The U.S. supervisory and resolution authorities have also begun the process of resolution planning, as recommended by the CBRG. That discussion is intended to be on a firm-by-firm basis among the supervisors and resolution authorities in the principal locations of the firm's activities. The CBRG recommendations provide useful building blocks toward a stronger cross-jurisdiction national process: resolution tools, national coordination across jurisdictions, recovery planning, setting aside of impediments to recovery and resolution and simplification of organizational complexity. The CBRG also recommends that national authorities seek international convergence of resolution tools and measures. How might we envision an effective cross-border resolution process developing from these building blocks? The report is very careful in talking about how the building blocks might integrate at the international level, noting the many problems and conflicts faced by national authorities in dealing with a troubled or insolvent organization located partially outside national borders. So let me extrapolate from the report, expressing strictly my own views and sketch out how the process set in train by the CBRG recommendations might evolve. Let's focus on a single systemically important financial institution. The healthy dialogue among regulators and resolution authorities in the principal jurisdictions for a given firm and the firm-specific recovery and resolution plans developed could provide the basis for strong cooperation when the institution crosses from healthy to troubled. On the basis of that cooperation, the lead supervisor, with the participation of the resolution authority in the home country jurisdiction, could coordinate a program of early supervisory intervention encouraging a private restructuring utilizing the recovery plan. At the same time, the resolution authority in the home country, working with the home country lead supervisor, could begin taking the necessary steps to prepare for a possible resolution as a contingency. If the supervisory intervention does not produce a successful private restructuring and recovery, the home country resolution authority leads a coordinated resolution process. Let me elaborate on a couple points. First, I believe that economists can be invaluable in helping financial supervisory and resolution authorities understand more fully where coordinated actions and cooperative solutions improve outcomes and where they do not, something I don't believe we now really know. The potential gains from cooperation will reflect the distribution of asset and liabilities (or net worth) across legal entities, assumptions about the rate of decay in the values of assets and business lines pre-entry and post-entry into insolvency, the length of time spent in each state and any one-time markdown on entering insolvency. With analysis or simulation, various decision rules can be explored about how a lead resolution authority could foster a cooperative, coordinated resolution using tools such as bridge banks, transfers of assets and liabilities, sequencing of sales or liquidations and other techniques. An analysis can also explore how sensitive the decision rules are to timing, distribution of net worth across entities and decay or markdown factors. In addition, one of the most important decisions for resolution authorities will be which legal entities within a systemically important firm to place into insolvency proceedings and which entities can and should be maintained for sale as going concerns. In his September 1 testimony before the Financial Crisis Inquiry Commission, my colleague, Tom Baxter, general counsel of the Federal Reserve Bank of New York, described how Lehman's broker-dealer was not placed into insolvency, remained a going concern temporarily funded by the central bank and was sold within days after Lehman's bankruptcy filing. The work needed to understand how coordinated resolution might work and when it will work underscores for us that an immediate jump to a fully fledged international resolution process is not really feasible. This is in fact why doing the hard and painstaking work of resolution planning is so important. Resolution planning is a smaller version of the statistical simulation I described, more closely tied to the specifics of the individual institution's case, in which the financial authorities in the jurisdictions where the firm's major operations are located work through potential scenarios. Those scenarios will reflect the current structure of the firm and the normal range of the distribution of assets and liabilities across legal entities. Resolution planning is likely to contribute a great deal of insight into how a full-fledged international process could work, insight that we do not have today. I have talked about early, coordinated supervisory intervention to activate a recovery plan for a systemically important firm and of a coordinated resolution process. Is there an opportunity between those two stages to intervene more forcefully, but not incur the potential asset markdowns and administrative costs of resolution? Considerable interest has been expressed in developing a "bail-in" mechanism to provide that intermediate step. Let me comment by stressing that what I am expressing is strictly my own view. And let me start by saying that a bail-in mechanism cannot substitute for the national resolution tools and resolution planning called for by the CBRG. There must be a last stop where systemically firms can be resolved, because we will inevitably need it and we must work to make cross-border resolution possible at acceptable cost. Where can bail-in fit? I've described a process in which supervisors deal first with a troubled financial firm by encouraging its board of directors and management to activate its recovery plan and develop a private restructuring. In my personal view, the possibility of a restructuring prior to insolvency with potentially more forceful outside supervisory or contractual intervention is interesting and deserves more study. Given the number and range of stakeholders in a large financial company, such a mechanism could help solve a coordination problem that can be costly in terms of time and sub-optimal in terms of ensuring the equitable treatment of stakeholders for a financial company on the threshold of, or in, distress. However, bail-in is not yet a well-defined concept in the international policy discussion; I'm not sure how my description of a mechanism resonates with the overall discussion. Right now, the common theme of a set of bail-in concepts is putting in place a statutory or contractual trigger that would convert a firm's debt into equity, thereby immediately strengthening the firm's capital base. Short-term debt and liabilities would likely be excluded. To move the bail-in mechanism from concept to a meaningful proposal, the official community needs to develop one or more specific proposals that can be vetted, debated and improved. In that spirit, let me list some areas in which a bail-in proposal needs to be more specific. A proposal needs to make clear:
I'll conclude with the timing of the trigger. A key question is when such a mechanism has the greatest chance of success. In my personal view, it seems unlikely that the proverbial "one minute to midnight" is the right moment for action—by then most firms would face a severe shortage of liquidity and serious constraints in the ability to undertake new business. Timing that is too early brings with it a host of repercussions and risks, of course. If I interpret a bail-in mechanism against the three-part supervisory program for troubled firms that I described at the beginning, conversion of debt to equity stakes is a mechanism to replenish capital, a critical element, but just one of the three key elements. The comparison suggests that the conversion of debt to equity by itself may not be sufficient and a fully developed proposal for a bail-in mechanism will need to include thorough identification and workout of problem assets and positions, as well as a revamped business plan that demonstrates the ability of the financial firm to return to profitability. A Return to the Issue of Time Recovery planning by firms helps to increase the margin of time available for firms by shortening reaction time when distress occurs and reducing the impediments to recovery and resolution when firms are healthy. Similarly, resolution planning gives financial authorities a better starting position and more ability to move swiftly and decisively in a financial firm failure. Taken together, augmented resolution powers, recovery and resolution planning and better identification of systemic risks can move us substantially forward in dealing with failing systemically important institutions. Thank you for the opportunity to share these views with you. |


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We will build upon hundreds of existing data sets from our field station and collaborating sites. We will integrate short- and long-term data sets with simulation modeling, geographic information systems, and remote sensing tools. We will combine short-term experiments to test specific hypotheses with synthetic experiments requiring a complex integration of ecosystem components and drivers. Decision-support tools resulting from this work are intended to meet the needs of public and private land managers, be adaptable across temporal and spatial scales, and be usable for assessing, monitoring, and implementing conservation practices. In implementing this research program, unit scientists will employ a scientific method that more effectively integrates data-intensive science to identify practices and solutions to specific problems. This work will contribute directly to the ARS Long-Term Agro-ecosystem Research Network (LTAR), the NSF Long-Term Ecological Research (LTAR) Network of the National Science Foundation, the National Ecological Observation Network (NEON), all of which the Jornada is a member, and to nationally and globally accessible LTAR, LTAR, NEON and other databases that are critical to finding solutions to key problems facing the conservation and management of rangelands in the western U.S. and worldwide.


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2 tablespoons melted butter 4 beaten egg yolks 1 tablespoon sugar 2 tablespoons vinegar 1/4 cup milk 1/2 teaspoon salt 8 ounces regular marshmallows 1 can pineapple, drained 4 ounces nuts 1 can Queen Ann grapes, drained
Combine first 6 ingredients. Cook over medium heat until thickened. Remove from heat and add marshmallows; stir until dissolved, then cool. Fold this mixture into drained pineapple and add 1/4 pound pecans or walnuts. Any nuts will do. If desired add 1 large can Queen Ann grapes, drained. Put in large bowl or container. Refrigerate. Keep cold until you are ready to serve. Serves 12 to 16.
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Now that OWN got a boost of attention, can Oprah's channel get a boost in energy? The fledgling station is now several years into operation, but their numbers are not moving up. While astrologically there were cosmic roadblocks in 2012 for Oprah, new aspects are set for 2013. So will OWN survive?
Lucky for Oprah, she's having her Jupiter Return now, and serious Saturn is off her mid-heaven. This gives her a breather through June 2013. However, in her natal chart she has aggressive Mars in Scorpio facing down Saturn in Scorpio in her Eleventh House, which rules technology and her aspirations. This will be a fight to the last. She'll have to prove all that she's got, leaving her to either win big or lose miserably, as there are never in-betweens with Scorpio transits. So as one battle ends, another begins. This time it's about using her humanitarian efforts in a new way, mixed with innovation and her associations. OWN will likely last for another year in an uncertain manner, with 2015 being its do-or-die year.


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Quick Facts
- NAME: Elizabeth Smart
- BIRTH DATE: November 03, 1987 (Age: 26)
- EDUCATION: Brigham Young University
- PLACE OF BIRTH: Salt Lake City, Utah
- ZODIAC SIGN: Scorpio
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Elizabeth Smart gained national fame in 2003 when she was rescued after being kidnapped and held captive for nine months.
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Play NowElizabeth Smart. (2014). The Biography Channel website. Retrieved 03:14, Mar 10, 2014, from http://www.biography.com/people/elizabeth-smart-17176406.
Elizabeth Smart. [Internet]. 2014. The Biography Channel website. Available from: http://www.biography.com/people/elizabeth-smart-17176406 [Accessed 10 Mar 2014].
"Elizabeth Smart." 2014. The Biography Channel website. Mar 10 2014, 03:14 http://www.biography.com/people/elizabeth-smart-17176406.
"Elizabeth Smart," The Biography Channel website, 2014, http://www.biography.com/people/elizabeth-smart-17176406 [accessed Mar 10, 2014].
"Elizabeth Smart," The Biography Channel website, http://www.biography.com/people/elizabeth-smart-17176406 (accessed Mar 10, 2014).
Elizabeth Smart [Internet]. The Biography Channel website; 2014 [cited 2014 Mar 10] Available from: http://www.biography.com/people/elizabeth-smart-17176406.
Elizabeth Smart, http://www.biography.com/people/elizabeth-smart-17176406 (last visited Mar 10, 2014).
Elizabeth Smart. The Biography Channel website. 2014. Available at: http://www.biography.com/people/elizabeth-smart-17176406. Accessed Mar 10, 2014.
Born in Utah in 1987, the harrowing ordeal and impressive bravery of Elizabeth Smart gained her national fame in 2003. Smart, who was 14 at the time, was rescued with the help of an America's Most Wanted episode after being kidnapped and held captive for nine months.
"I don't think it's worth spending time in the past. It's not something I think about."
Early Life
Elizabeth Smart was born on November 3, 1987, in Salt Lake City, Utah. She is the second of six children born to Lois and Ed Smart, both devout members of the Church of Jesus Christ of Latter-day Saints. Her mother is a homemaker and her father is a highly successful real estate developer. As a youngster, Smart was known as a kind, smart, shy and obedient child. Her greatest passion was the harp, which she began playing at the age of 5 and practiced for hours each day.
By the time she reached middle school, Smart was sought out to perform as a harpist at local weddings and funerals, and she played numerous recitals—including opening for the Utah Symphony under Salt Lake City's Capitol Rotunda. Smart was also a skilled equestrienne and distance runner who was training to compete in cross-country racing when she reached high school. She attended Bryant Intermediate School, where she was known as an intelligent and diligent student.
Kidnapping and Disappearance
On June 2, 2002, when she was 14 years old, Smart and her family attended an end-of-year awards ceremony at her school, where she won several awards for academics and physical fitness. Early the next morning, about an hour after midnight, Smart was awakened in the bedroom she shared with her younger sister Mary Katherine by the sound of footsteps and the feeling of cold metal against her cheek. A man whispered, "I have a knife to your neck. Don't make a sound. Get out of bed and come with me, or I will kill you and your family." The kidnapper, a man by the name of Brian Mitchell, led Smart out of the house and marched her for hours through the forest to a camp where his wife, Wanda Barzee, was waiting.
Mitchell fancied himself a prophet named Immanuel, and after performing a bizarre wedding ceremony—he was also a polygamist—he declared Smart to be his wife and raped her. "I tried to fight him off me," she later testified. "A 14-year-old girl against a grown man doesn't even out so much." Mitchell and Barzee held Smart captive for the next nine months as they moved between California and Utah. Mitchell raped Smart daily—sometimes multiple times per day—and frequently kept her tethered to a tree. He forced her to consume vast quantities of alcohol, marijuana and other drugs and often did not feed her for days—bringing Smart to the brink of starvation. All the while, Mitchell attempted to indoctrinate Smart in his bizarre religious beliefs and convince her that he was a prophet.
The night of Smart's kidnapping, her younger sister Mary Katherine had pretended to be asleep in the other bed while silently attempting to observe her sister's kidnapper in the dark. "I stayed in bed," she recalled. "I was scared. I couldn't do anything. I was just shocked, petrified.
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Audiophiles and guitar players have something in common: both groups are in search of perfect sound.
Eddie Van Halen calls this tone chasing, admitting that he's done it his entire life.
Some guitar players have been lucky enough to capture their Holy Grail of sound and it will live on forever. We've rounded up six landmark guitar recordings that are great if you're demoing a system.
We'll explain why these recordings are unique and why you might find yourself spontaneously breaking out the air guitar while listening.
View 6 Guitar Demos That Rock.
Follow Electronic House on Facebook and Twitter.Here some of the most common and practical lighting scenes used in homes with lighting control or automation systems.
High-performance audio upgrades topped this homeowner's renovation and home automation to-do list.
Owners of these high-tech basketball courts celebrate March Madness in style.


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Welcome to Magical Kenya:
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About Kenya
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Vipingo Ridge Golf Resort
Vipingo Ridge Golf Resort on the North Cost of Mombasa lies in the centre of a 2,500 acre former sisal estate. The property rises from just above sea level to a 140 metre high ridge before falling off again to the scenic lake and game conservation area to the west of the site.
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Royal Nairobi Golf Club
In 1906, a nine-hole golf course and club house was started. The Royal Golf Club ("Royal" adapted by King George V) which was the first course in Kenya, initially measured 5 x 4 metres, but was later extended by 429 acres in 1927.
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Muthaiga Golf Club
Muthaiga enjoys the influential position of having been one of the Kenya's pioneer golf courses and it serves as a home to the Kenya Golf Union and plays host to the most prestigious golfing event in the country, The Kenya Open.
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Karen Country Club
Situated at one of Kenya's suburb about 16 kilometres from Nairobi, lies The Karen Country Club which is famous for its beautiful course and lawn terrace.
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Windsor Golf Hotel & Country Club
The course was cut out of native trees, typical of the wetter side of Nairobi, predominately the giant diospyros of the ebony family, "ithare", and the huge "mukui" seen by the river.
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Mount Kenya Safari Club
Despite the fact that this is a pitch and putt ,composed entirely of par three holes and measuring 2295 yards for eighteen, it is absolutely brutal.
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Nandi Bears Club
Nandi Hills provide a panoramic view especially from the golf club. The Nandi Bears Golf Club was formed in 1928.
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Nyali Golf & Country Club
The Nyali Golf and Country Club is the only eighteen-hole golf course on the north Coast. Monty Lowry was the golfer behind the course's design.
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Sigona Golf Club
Sigona Club is located in Kikuyu, 18 kilometers, just outside Nairobi. It was founded by the Kenya Estates Limited around 1938, with its construction and design by Mr. Berkley-Mathews.
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Leisure Lodge Golf Course
Leisure Golf Club located on the South Coast of Mombasa is an undiscovered golfers paradise. Set amongst established coconut palms and lush vegetation, the golf course snales around numerous indigenous trees.
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Tingling In Fingers After Unprotected Oral Sex Without Ejaculation Worried I Have HIV
Here's a taste of what TheBody.com has to offer on this topic:
Ask the Experts
unprotected oral sex with ejaculation.Hi Dr. Bob,Let me begin by say..."Keep up the good work"!!! You are truly a 'blessing' to those who are hiv positive, seeking information, and those who have made foolish choices regarding sexual behavior (i.e., MYSELF)....Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation
Hello,You've "broken out with bums . . . ."??? Hmmm . . . OK, if you say so. Your HIV risk French kissing and unprotected insertive oral is extremely low. Your negative ELISA for HIV-1 and -2 out to 13 weeks is definitive,...
Read more »
Unprotected Receptive Oral Sex w/EjaculationHello Dr. Frascino:2 weeks ago I gave unprotected, receptive oral sex with ejaculation to a male I... Read more »unprotected oral sex with ejaculation IIHi Dr. Bob,I've written to you in the past (i.e., May 18, 2006 is the date of my question/your... Read more »
"Rampant Unprotected Sex, Drug Abuse at Thai Jails"Bans have not stopped risky sex and drug use among Thai prisoners, according to a recent survey of inmates. "Top officials at the Justice Ministry won't admit that such things happen, but in reality they do," said Dr. Sutayut Osornprasop, a... Read more »HIV and Oral SexCan I get HIV from oral sex? For HIV counselors and safer sex educators, that has to be the most frequently asked question of the last two decades. The connection between HIV infection and oral sex has been debated since HIV was discovered. Even... Read more »Oral Sex: What's the Real Risk for HIV?Table of Contents Introduction Studies on the Risks of Oral Sex Tips for Safer Oral Sex Taking Care of Yourself Introduction The chances of HIV being passed from one person to another depend on thetype of contact. HIV is most easily... Read more »More on Oral Sex and the Risk of HIV TransmissionIn the following article and an article by Janice Price , we will entertain two different views on oral sex transmission of the HIV virus. Detailed interviews of a cohort of gay men with acute infection provide further evidence that oral sex can be... Read more »
Connect With Others
Single Exposure Unprotected Oral Sex w/ TS Escort
Posted by ScaredToDeathNow, 1 Reply
Very afraid Two days ago I had an unprotected oral encounter with a transsexual escort while in on vacation and I now fear I have destroyed my life. I was on both the receiving and giving end of the unprotected oral sex and I now so fear that I have...
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unprotected oral, protected vaginal sex -- HELP
Posted by bluestar, 4 Replies
I just want to explain what my encounter was and my symptoms one more time to see if there was something about it that could have been risky or if I'm just extremely unlucky.I visited a casual sex worker and initially had a shower. She then took my... Read more » Received un[protected oral, worried ouf my wits!
Posted by merrywell, 1 Reply
Hi I received unprotected oral sex from 2 different guys of unknown HIV status(i'm a female). I did such a stupid thing and I hate myself for it. Anyway, am I at risk for getting HIV? Is testing even medically necessary? the forum on medhelp.org...
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unprotected oral sex
Posted by Anonymous, 3 Replies
i have been worrying for about a year now that i may have contracted HIV through a couple of unprotected oral sex encounters with my ex boyfriend, he wasn't very nice to me and tried to make me have sex with him without a condom. I refused. However,...
Read more »
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Your resident assistant (RA) will be one of the first people you meet upon arrival to your residence hall floor. RAs are students just like you who work to create a better living and learning environment in your hall by providing programming, building community, and being available to you. As a current student, your RA is a great resource for you, full of helpful tips and friendly advice. Also in the halls are senior resident assistants (SRA's) who monitor maintenance requests and supervise the front desk where applicable. Each hall is also staffed with a residence director (RD), who is an upperclass student that supervises the RA's and the building, also serving as another resource for you. Resident assistants, senior resident assistants, and residence directors work together with the director and assistant director of Residence Life, professional staff whose offices are housed in McIntosh Center.
Professional Staff | |||
Justin Courtney | Scott Parson | Anissa Jenkins | Melanie Vincent |
Director of Residence Life | Assistant Director of Residence Life | Senior Residence Life Specialist | Area Coordinator/ Graduate Assistant |
Residence Directors | |||
5 University Parkway, Northern House | Kyle Rex | ||
Affinity West | Chris Leiby | ||
Affinity East | Blake Birchmeier | ||
Courtyard Apartments & Stambaugh Hall | Nicholas Manion | ||
Founders Hall | Charles Hay | ||
Lakeside Apartments (Lakeview, University Terrace) | Joshua Blackwell | ||
Lima Complex (Brookhart, Lima, Roberts) | Melanie Vincent | ||
Maglott Hall | Colleen Baker | ||
Park Hall | David Peters | ||
Southside Apartments (Klondike's Den, Northern Commons, Polar Place) | Tanya Wilsmann | ||
Stadiumview Apartments (East and West) | Megan Ruffner |
Philanthropy: Dolly Parton Imagination Library (Hardin County Chapter)
Started in 1996 by country artist Dolly Parton, this foundation fosters child literacy throughout the United States, United Kingdom and Canada. The program partners with local community organizations to deliver an age appropriate new book to children each month through the mail from birth until age five, at no cost to their families. According to the 2009 foundation report, over 23 million books have been distributed in over 600 communities. As the foundation continues to grow and reach new communities, nearly 561,000 children have been given the opportunity to read their very own books in the last year alone.
How does Residence Life help?
A community must make the program accessible to all preschool children in their area. The community pays for the books and mailing, promotes the program, registers the children, and enters the information into the database. Through a partnership with Ada Rotary and United Way of Hardin County, Residence Life raises money to aid with these overhead costs so area children can enjoy the benefits of the Imagination Library. Money is raised through each all-hall campus program and through various other means, such as student room lock-outs. In 2012-2013, Residence Life raised over $5,000 for Imagination Library. Our goal for 2013-14 is $6,000.
For more information on Imagination Library, check out their webpage at: http://www.dollysimaginationlibrary.com/
Residence Life Newsletter
The Office of Residence Life publishes "Roomers" a monthly newsletter to educated, recognize, and inspire staff. Issues of Roomers for 2013-2014 can be found at the bottom of the page. Feel free to read and enjoy!
Attachment | Size |
September 2013 Roomers | 680.47 KB |
October 2013 Roomers | 541.97 KB |


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Queen Two Room Suite
All-suite hotel in Walt Disney World® Resort
With a stay at DoubleTree Suites by Hilton Orlando - Lake Buena Vista in Lake Buena Vista (Downtown Disney® area/Lake Buena Vista), you'll be convenient to Little Lake Bryan and Downtown Disney® area.
This family-friendly resort is within close proximity of Mary Queen of the Universe Shrine and Orlando Premium Outlets Vineland Ave.
Make yourself at home in one of the 229 air-conditioned rooms featuring refrigerators and microwaves. LCD televisions with cable programming are provided for your entertainment, with wired and wireless Internet access available for a surcharge. Private bathrooms have complimentary toiletries and hair dryers. Conveniences include safes and complimentary weekday newspapers, as well as multi-line phones with voice mail.
Take advantage of recreational opportunities offered, including an outdoor pool, a spa tub, and an outdoor tennis court. Additional amenities include complimentary wireless Internet access, concierge services, and supervised childcare/activities. Spending a day of fun is easy with the complimentary theme park shuttle.
Grab a bite at one of the resort's 2 restaurants, or stay in and take advantage of room service (during limited hours). Relax with your favorite drink at a bar/lounge or a poolside bar. Hot/cold buffet breakfasts are available daily for a fee.
Featured amenities include a business center, limo/town car service, and audiovisual equipment. Planning an event in Lake Buena Vista? This resort has 3,556 square feet (330 square meters) of space consisting of conference/meeting rooms, small meeting rooms, and banquet facilities. Parking (subject to charges) is available onsite.
Hotel Amenities
- General
Situated in the Downtown Disney® area, this seven-story 229-room hotel in Lake Buena Vista is 4.5 miles from Epcot®.
This DoubleTree Suites by Hilton Orlando - Lake Buena Vista includes a Disney® gift shop, a complimentary fitness center, and a children's playground along with its adult and children's pools, eight-person spa tub, and game room.
The Evergreen Café with inclusive Pizza Hut Express are on site. A pool bar serves hamburgers, pizza, sandwiches, salads, and tropical drinks. Complimentary wireless Internet access is available at the restaurant and pool bar, as well as the lobby.
The hotel provides a business center, plus 7 conference rooms totalling 3,556 square feet of meeting space.
Additional amenities include tennis courts, free parking, complimentary theme park shuttle, and concierge services. This property is wheelchair-accessible.
- 24-hour front desk
- Air-conditioned public areas
- Arcade/game room
- ATM/banking
- Total number of rooms - 229
- Audiovisual equipment
- Number of floors - 7
- Banquet facilities
- Self parking (surcharge)
- Valet parking (surcharge)
- Tennis on site
- Bar/lounge
- Breakfast available (surcharge)
- Business center
- Business services
- Elevator/lift
- Event catering
- Concierge services
- Multiple large conference rooms
- Dry cleaning/laundry service
- Theme park shuttle (complimentary)
- Express check-out
- Fitness facilities
- Gift shops or newsstand
- Grocery store
- Free Wi-Fi
- Children's club
- Laundry facilities
- Limo or Town Car service available
- Multiple small meeting rooms
- Multilingual staff
- Pool table
- Poolside bar
- Porter/bellhop
- Luggage storage
- Room service (limited hours)
- Safe-deposit box at front desk
- Number of restaurants - 2
- Meeting facilities size (feet) - 3,556
- Outdoor tennis court
- Meeting facilities size (meters) - 330
- Number of meeting/conference rooms - 7
- Security guard
- Shopping on site
- Number of buildings/towers - 1
- Spa tub
- Supervised childcare/activities
- Swimming pool - children's
- Swimming pool - outdoor
- Tour assistance
- Parking (surcharge)
- Internet
Available in all rooms: Wireless Internet access (surcharge), Wired high-speed Internet access (surcharge)
Available in some public areas: Free Wi-Fi
- Parking
Parking (surcharge), Self parking (surcharge), Valet parking (surcharge)
- Room Amenities
- Pay movies
- Video-game console
- Coffee/tea maker
- Air conditioning
- Climate control
- Complimentary weekday newspaper
- Voice mail
- Multi-line phone
- Refrigerator
- Microwave
- Wake-up calls
- Daily housekeeping
- Private bathroom
- Complimentary toiletries
- Hair dryer
- Iron/ironing board
- In-room safe
- Rollaway/extra beds available
- Cribs/infant beds available
- Electronic/magnetic keys
- Sofa bed
- Clock radio
- Cable TV service
- Wireless Internet access (surcharge)
- Wired high-speed Internet access (surcharge)
- MP3 docking station
- Separate living room
- Connecting / adjoining rooms available
- Signature bedding
- Dining
Evergreen Cafe - Serving a buffet, and hot and cold buffet breakfast, lunch, and dinner, plus the restaurant includes a bar. The Evergreen Cafe proudly features, in addition to American cuisine, a Pizza Hut Express menu, which is available in the cafe, poolside, lounge, and in suite dining. Children's menu offered.
Evergreen Poolside Bar - Poolside tropical drinks, pizza, burgers, sandwiches, salads.
Gift/sundry/grocery market is available.
- Recreation
A swimming pool and a children's pool are on site. Guests are free to use the fitness room and two lighted onsite tennis courts. Miniature golf is available near the hotel.
The recreational activities listed below are available either on site or near the hotel; fees may apply.
- Golf - miniature nearby
- Personal motorized watercraft on site
- Fishing nearby
- Sailing nearby
- Water skiing nearby
- Boating nearby
- Running track/path nearby
- Golfing nearby
- Bicycle rentals nearby
- Golf - driving range nearby
- Helicopter/airplane tours nearby
- Swimming on site
- Tennis on site
- Accessibility
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessibility equipment for the deaf
- Accessible bathroom
- Accessible path of travel
- Braille or raised signage
- Accessible parking
- In-room accessibility
- Roll-in shower
Policies & Fees
- Check-in
Minimum check-in age is 18
Check-in time starts at 4 PM
- Check-out
Check-out time is 11 AM
- Payment types
Accepted at this hotel: American Express, Carte Blanche, Diners Club, Discover, JCB International, MasterCard, Visa
- Pets
Pets not allowed
- General
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Caters to families
- Fees
- The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Fee for in-room wireless Internet: USD 9.95 per 24-hour period (rates may vary)
- Fee for in-room high-speed Internet (wired): USD 9.95 per 24-hour period (rates may vary)
- Self parking fee: USD 10 per day
- Valet parking fee: USD 15 per day
- Rollaway bed fee: USD 10 per night
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
- Additional Details
Children 18 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


text: I did think of the fact it could definitely be a rapist or a murderer on the run or any horrible person out there that doesn't want to get caught. That is the reason I NEVER flash my lights to warn a car that the police are hid out somewhere. That is probably how they catch a lot of people that need to be caught. To the flashers that is something to think about. But, if a person is weaving on the road, that usually indicates they are drunk or high or 5 or 6 years old. This is when I feel they shouldn't be chased because they are going to wreck and kill themselves or some innocent person. If the situation was different such as someone being held hostage in a car by a rapist, murderer, someone on the run that just escaped prison, or someone that has robbed a bank and got hostages, sure a different strategy would have to be used. Those situations could be a life or death situation before a chase started. Sadly if they run and have nothing to loose then they aren't going to care if they crash and kill their hostage or whoever trying to get away. I'm not trying to be mean or critical of the law, like I said I have a lot of respect for the police, but it breaks my heart everyday when I go down Hwy 21 and see where that young man lost his life that in my opinion could have been avoided.


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