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June 11, 2008
University of Illinois College of Law
June 11, 2008
My name is Robert Lawless, and I thank you for extending me the privilege to speak with you today. In my work as a Professor of Law and the Galowich-Huizenga Faculty Scholar at the University of Illinois College of Law, I study bankruptcy and financial services law. My research includes surveys and interviews with everyday Americans that help to tell us how these laws and the courts' applications of these laws puts economic pressure on families. Also, I have had opportunity to write about the role of the Supreme Court in financial services and offer academic commentary on the changing economic nature of the American family on our jointly authored blog, Credit Slips.
This work shows how very technical and dry regulatory issues--issues that only a lawyer could love--can end up as Supreme Court cases that dig into the pocketbooks of consumers. These cases are litigated outside the blare of the media spotlight, followed closely only by experts and obscure to the millions of consumers who will bear the brunt of the decisions. The committee is to be commended for convening this hearing and casting some light on the importance of these underappreciated cases.
This is not a partisan issue, not a matter of the justices or some subset of the justices sitting in a room and deciding to be "pro-business" or "anti-consumer." Instead, it is a simple fact of our political system that cases are going to end up in the Supreme Court where business interests will have systematic advantages. The good news is that there are measures Congress could take to restore some of the balance. This is not the place for a dry recitation of dozens of case holdings, but it is appropriate to begin with an overview of a few illustrative examples.
I.Some Examples of Supreme Court Cases Where Business Won Big
a.Credit Card Debt, Interest Rates, and Fees
In his comments to the Federal Reserve's proposed regulations to prohibit unfair credit card practices, Mr. Michael Rosado of Elkton, Maryland, writes about how a credit card company's mistake resulted in penalty rates that rose into the "high 20's." As a citizen of Maryland, Mr. Rosado is protected by a usury law that prohibits a creditor from charging more than 24% interest. How is it possible, then, for Mr. Rosado to be charged interest over 24%? Because of the Supreme Court's decision in Marquette National Bank v. First of Omaha Serv. Corp., the Maryland usury statute is virtually worthless to Mr. Rosado and every other Marylander. National consumer lenders operate in an environment that is free of usury restrictions because of the Marquette decision.
Marquette's legacy is not just about the cost of consumer debt but also the amount of it. There is now more than $53,000 in mortgage and consumer debt for every man, woman, and child in the United States. That figure represents an average across everyone--those with credit card debt and those without, adults and children, the young and the old; homeowners and renters. Our personal debt outstrips our annual personal income, which was not true as recently as 2003. If, as a nation, we devoted all of our personal income this year to debt repayment--forgoing things like shelter, food, health care, and all other necessities--we still would not retire our outstanding personal debt.
In Marquette, the issue revolved around the interpretation of five words in section 85 of the National Bank Act. Other than experts in the banking industry, few people would have any idea of what section 85 provides or, for that matter, what the National Bank Act provides. Passed in 1864, the National Bank Act created a national banking system and was intended to help create a stable national currency amidst the financial chaos of the Civil War.
Section 85 of that law allows a national bank to charge an interest rate allowed by the state "where the bank is located." By enacting section 85, Congress wanted to protect nationally chartered banks from predatory state legislation designed to drive the nationally chartered banks out of business to the benefit of state-chartered. In 1864, bank lending was primarily a local business. Banks lent on the strength of personal relationships with members of the local community. The idea that a bank in one state would seek out lending business with citizens in another state was simply not something an 1864 Congress would have considered.
By 1978, information technology had dramatically changed the potential meaning of section 85. The Marquette case had its genesis in the decision of a Nebraska bank to expand its operations and lend to Minnesota citizens at an interest rate greater than allowed under Minnesota law but less than the amount allowed under Nebraska law. First of Omaha Bank argued that section 85 allowed it to charge the interest rate allowed by Nebraska law, the interest rate allowed by the state where First of Omaha was physically located. Although Congress had intended section 85 as a shield for national banks, First National Bank of Omaha now wanted to use section 85 as a sword to export Nebraska's interest rate into Minnesota. Ignoring the purpose of the National Bank Act and Congress' original intentions, the Supreme Court agreed with First National Bank.
The effect of the Marquette decision cannot be understated. Because a national bank now could charge whatever interest rate its own state allowed, some states simply repealed their interest rate caps. The national banks flocked to these states, set up operating subsidiaries, and began issuing credit cards at interest rates that would have been illegal under the state law where consumers were using these credit cards. Whichever states were willing to race to the bottom and offer the fewest consumer protections would win all of the consumer credit business. When consumers wonder how it can possibly be legal to get charged an interest rate that would have been considered usurious a generation ago, they can look to the Marquette decision.
With banks able to charge whatever interest rate they could get customers to pay, household debt exploded, and this increase in household debt is one of the greatest changes of our generation. We have come from a society where consumer debt was unusual to a society where consumer debt is ubiquitous. Where our parents would have been shocked to hear a neighbor owed a great deal of money, we now have conversations where permanent indebtedness is discussed a way of life. All of these effects can be traced to a decision of the United States Supreme Court.
Today's consumers know that it is not just the interest rates that credit card companies charge but also the fees. For example, late fees on credit cards average close to $35 and have more than doubled since 1996. What happened in 1996? In Smiley v. Citibank (South Dakota), the Supreme Court extended the logic of Marquette to credit card fees.
In Smiley, a citizen of California sought the protection of California state law against late fees Citibank charged on top of the exorbitant penalty default interest rates that Marquette already had allowed. Citibank again turned to the same words in the National Bank Act as had been at issue in Marquette. The difficulty for Citibank was that the National Bank Act said the bank could charge "interest" as allowed by the law where the bank was located and a late "fee" did not seem to be the same as "interest." Nevertheless, Citibank was able to cite an interpretive regulation of the Office of the Comptroller of the Currency (OCC) that said the term "interest" included any compensation paid to a lender including late fees. The OCC had equated "interest" and "fees," which was quite helpful to Citibank's legal case. Although the Supreme Court viewed the question as close, it placed particular emphasis on the OCC's regulation and ruled for Citibank.
Smiley led to the same dynamic as happened after Marquette: when it came to fees banks simply exported the law most favorable to the banks, meaning an Illinois or Pennsylvania consumer would have to pay whatever fee the law of another state allowed. When consumers pay a $39 late fee, a 3% currency conversion fee, or a 3% balance-transfer fee, they can look to the Smiley decision for the reason why.
b. No Help for Homeowners in Bankruptcy
It is hardly novel to point out that America is in the middle of a debt crisis. According to newly released statistics from the Mortgage Bankers Association, nearly one in ten Americans are experiencing difficulty with their home loans, either facing foreclosure or behind in their payments. Many of these homeowners owe more than their home is worth.
For these homeowners, bankruptcy court does not provide the relief it could. As committee members are probably aware, Senator Durbin has introduced S. 2136 to address this shortcoming and give bankruptcy judges the tools they need to help keep financially troubled Americans in their homes. Bankruptcy is no shortcut and only gives a second chance to the honest but unfortunate debtor. It does not wipe out obligations for which a lender holds collateral. Failure to pay a car loan or home mortgage, even after bankruptcy, will result in foreclosure and repossession. To receive a discharge, debtors have to turn over all of their assets to the bankruptcy trustee or devote all of their disposable income for three to five years to repayment of creditors. Moreover, bankruptcy judges have discretion to provide more limited relief or to dismiss cases where particular circumstances indicate abusive behavior by a debtor. What bankruptcy judges lack are effective tools to deal with the home mortgage mess in which we find ourselves.
Senator Durbin's bill addresses this imbalance and simply would put a lender in the same position it would be outside of bankruptcy if it had gone through a foreclosure and extended another loan on the property. Homeowners would have to pay off the value of the home over time at the current market rate of interest. If the payments were not completed, the bank would still have the right to take the home. Senator Durbin and his cosponsors--including Senators Biden, Feinstein, Schumer, and Whitehouse of this committee--are to be commended for sponsoring this important piece of legislation.
Senator Durbin's legislation would have been unnecessary had the Supreme Court not taken this power from the bankruptcy judges in a case called Nobelman v. American Savings Bank. In that case, a married couple owed more than $71,000 on a condominium that no one disputed was worth more than $23,500. Using chapter 13, they asked a bankruptcy court to put the bank in the position it would be in a foreclosure--requiring them to pay the value of $23,500. If the Nobelmans could not make this payment, the bank would still have the power to take the condominium. The dollar amounts tell us this was not an extravagant spender seeking protection on a multimillion dollar mansion. This was a modest home for which the debtors turned to the bankruptcy courts in an attempt to keep it.
By the time they got to the Supreme Court, these everyday realities had turned into a legal debate that would keep only a bankruptcy lawyer's interest. At issue was the interaction of complex statutory provisions scattered throughout the Bankruptcy Code, and beyond a narrow circle of bankruptcy specialists, the case received little attention at the time. A Senate committee hearing room is not the place to dissect the statutory language at issue, and my students might even contest whether they should hear about it in the law school classroom. The interpretive issues in Nobelman were truly complex, and it is fair to say that there were reasonable arguments on either side of the issue.
Although fair-minded justices could reach either outcome, the Supreme Court unanimously sided with the banking interests. In doing so, the Court reached a decision that was contrary to the majority view in the lower federal courts. In doing so, the Court strengthened special advantages home lenders had managed to get in the enactment of the original Bankruptcy Code. In doing so, the Court barred relief on a modest principal residence that would be available for vacation homes or investment property. In doing so, the Court left the burden of legislative change with the consumer. The reception that Senator Durbin's bill has received gives some indication of the relative powers of banking interests and consumer interests in the legislative process. By reaching a decision in favor of banking interests, the Court essentially locked in the law and now has led to a situation where bankruptcy judges are deprived of a potentially important tool in a financial crisis.
c. Taking Away Enforcement Power of State Attorneys General
My final example comes from just the last Supreme Court term. In Watters v. Wachovia Bank, the Court deprived the state attorneys general of the power to enforce state consumer law against the operating subsidiaries of national banks. Rather than dispersed among fifty state attorneys general, the responsibility for enforcing consumer protection against national banks now rests solely with the OCC. This is the same agency that took the banking industry's side by issuing favorable regulations leading to the Smiley decision, and the same agency whose industry favoritism has been the subject of recent media attention. Why does responsibility for consumer protection now rest solely with the OCC?--because the OCC had issued regulations saying it did. The issue in Watters was whether the Court should uphold these OCC regulations, and a majority of the Court agreed that the OCC could issue regulations that defined the scope of its own authority to displace contrary state law.
Watters will be a case that consumers will feel in the years to come. Even if the OCC suddenly became interested in more strictly enforcing consumer protections, it will lack the resources and interest that fifty state attorneys general could bring. For example, before Watters, the New York attorney general had brought a proceeding to investigate overcharging by mortgage lenders. The investigation was not about fees that were too high or about debtors who were trying to escape responsibility for loans. Instead, the investigation was triggered by a modest $27,000 home loan, incurred in 1974 and paid off over 25 years. Despite its own paperwork that showed the loan had been completely paid off, the lender had collected over $9,400 in extra payments. After Watters, the New York attorney general would not be able to bring this investigation, and the affected consumer will have to turn to the OCC for whatever help it is inclined to offer.
Another example of how Watters will come to affect consumers comes from the cover story of a recent issue of Business Week. The city of San Francisco has sued the National Arbitration Forum (NAF) alleging it "is actually in the business of operating an arbitration mill, churning out arbitration awards in favor of debt collectors and against California consumers." Business Week tells the story of Laurie Raymond, an Oregon attorney who had to fight a $16,000 arbitration award from NAF. Raymond had not incurred the debt, which had to be the result of a fraud or a mistake. The credit card company at times had even admitted Raymond did not owe the money. An attorney herself, Raymond had the resources and knowledge to wage a two-year fight with the NAF. Others will not be so lucky. Because of the broad authority upheld in Watters, attempts to fight unjustified arbitration awards from credit card debt collections like that of the San Francisco city attorney will be met by claims they are precluded by federal law. Reports are even beginning to surface that some lenders are using Watters to argue they are exempt from basic state foreclosure laws.
II. Why Business Tends to Win
These cases illustrate the tilted playing field in favor of big business. No one would seriously suggest that the justices sit down in a back room and consciously decide to be "pro-business" or "anti-consumer." Instead, these results come more from a litigation system that produces systematic advantages for big business by the time cases get to the highest court in the land.
In the financial services area with which I am most familiar, the cases that make it to the Supreme Court typically involve very technical and complex statutory schemes in which the justices are unlikely to have had a deep background prior to assuming the bench. Moreover, the justices are unlikely to come to the Court with deeply held ideological convictions on the proper scope of the chapter 13 cramdown--as was at issue in Nobelman--or the preemptive scope of the National Bank Act--as was at issue in Marquette and Smiley. Unanimity (or near unanimity) in these cases often will reflect these realities. An individual justice does not have much to gain from being a lone dissenter on the meaning of five words in section 85 of the National Bank Act and can gain more by trading votes or joining an opinion to display collegiality that later might be severely tested by a dissent in a higher-profile decision.
For these reasons, Supreme Court litigation is especially susceptible to the dynamics of litigation and the regulatory process that especially help big business. In my areas of specialty, I see two inescapable parts of the institutional structure that play a role. First, on a highly technical regulatory issue, the position of the agency involved or the brief of the Solicitor General often sways the outcome in the Supreme Court. Second, because they often will be simultaneously litigating the same issue in dozens of the same cases, a big business like a credit card company can choose to take to the Supreme Court whichever case has facts that present its position in the best possible light.
As part of the Department of Justice, the Solicitor General's views will come and go with changes in administrations. An administration with a tin ear toward the concerns of consumers is likely to have a Solicitor General with similar views. Even beyond the ideological slant of any particular Solicitor General, that officer is charged with protecting the interests of the United States, and as a tax collector and creditor to many Americans, the Solicitor General often will see the interests of the United States as consonant with the interests of financial institutions. There is particular reason to believe this happens in bankruptcy cases, where the United States has appeared in the Supreme Court often to protect its interest as a creditor (generally a tax creditor). As to agencies, it is an inescapable fact of the modern administrative state that they will come to identify with the industries they regulate. One need look no further than the examples of Smiley and Watters for friendly regulatory interpretations that were particularly persuasive to the Supreme Court.
As to the repeat player effect, one would hardly expect anything different from the expert and high-priced legal advice large business can command. In my work, I have found not only that institutional creditors are more able to get the Supreme Court to hear their cases in the bankruptcy area but that the same is also true for the state and federal governments. Although there are undoubtedly multiple explanations, one commonality among these institutional creditors, state governments and the federal government as litigants is that they all are likely to have multiple disputes on the same issue. Repeat litigants, such as big consumer lenders, always can be expected to choose which case is the one they will take on appeal to the Supreme Court and can be expected to choose the case where they expect they will win. It also is worth noting that once they get to the Supreme Court, business interests will be able to call on far more resources than consumer interests on the other side of the courtroom.
It is not that financial interests will always win every case, and consumers always are doomed to lose. Rather, it is matter of the deck being stacked. Big business will tend to win, and consumers will tend to lose. The result will be more of what we have seen--decisions immunizing financial institutions from state control, decisions tearing down consumer protections states have enacted for their own citizens, and decisions that free financial institutions to charge what rate, fee, or penalty they dare.
III. Solutions
One solution is for consumers to pay closer attention to what happens at the Supreme Court. This hearing is a useful step and will help draw attention to the many ways the Supreme Court's financial services decisions affect the everyday lives of Americans. These decisions, however, always will come from cases that appear to present mundane, dry, and technical regulatory issues, meaning these decisions will fare poorly in the competition for attention among the blare of other media stories. The diffusion of information made possible by the Internet has helped. I am continually heartened by the many persons who write into our Credit Slips blog to offer their own comments on legal and regulatory issues of the day, but our audience is still a specialized audience of persons who are particularly interested in the financial services issues we discuss. On a good day, we reach a few thousand, while news coverage on the hot button social issues that reach the Supreme Court will reach millions.
A more permanent solution might be for Congress to help even the playing field. All of the cases discussed above involved tough interpretive issues of technical statutory language where reasonable arguments could be made on either side of the case. We have seen that agency positions or systematic advantages tipped the statutory ambiguities in favor of businesses and against consumers. To even the playing field, Congress might adopt an interpretive rule that any ambiguity in a statute should be resolved in favor of consumer interests. This rule would place the burden of legislative change on the party most able to affect that change. When the Supreme Court decides an ambiguity in favor of financial interests, the practical result is that the rule is now locked in, given the advantages financial interests enjoy in the legislative process. Financial interests can and will lobby Congress to overturn statutory decisions, but consumer groups have less ability to organize and affect the legislative process. Moreover, interpreting rules that tip statutory ambiguities in one direction or another are hardly unprecedented. For example, the courts have a long tradition of resolving statutory ambiguities to avoid constitutional issues or resolving ambiguities in criminal statutes in favor of the accused. An interpretive rule that ambiguities should be resolved in favor of consumers could be enacted as a blanket rule or on a statute-by-statute basis. It would go a long way to helping alleviate some of the concerns expressed at this hearing.
1 See Robert M. Lawless, Bankruptcy in ENCYCLOPEDIA OF THE SUPREME COURT OF THE UNITED STATES, forthcoming 2008; Robert M. Lawless, Marquette National Bank v. First of Omaha Service Corp., in ENCYCLOPEDIA OF THE SUPREME COURT OF THE UNITED STATES, forthcoming 2008; Robert M. Lawless & Dylan Lager Murray, An Empirical Analysis of Bankruptcy Certiorari, 62 MO. L. REV. 101 (1997) ; Robert M. Lawless, Legisprudence Through a Bankruptcy Lens: A Study in the Supreme Court's Bankruptcy Cases, 47 SYRACUSE L. REV. 1 (1996); Charles J. Tabb & Robert M. Lawless ,Of Commas, Gerunds, and Conjunctions: The Bankruptcy Jurisprudence of the Rehnquist Court, 42 SYRACUSE L. REV. 823 (1991). The Credit Slips blog can be found at http://www.creditslips.org.
2 See Comments of Michael L. Rosado to Proposed Regulation AA, available at http://www.federalreserve.gov/SECRS/2008/May/20080527/R-1314/R-1314_730_1.pdf (May 19, 2008).
3 Maryland Code, Commercial Law § 12-903.
5 See Bob Lawless, "One to Lie Awake at Night About," Credit Slips (May 14, 2007) (http://www.creditslips.org/creditslips/2007/05/one_to_lie_awak.html).
7 See Government Accountability Office, Credit Cards: Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers, at 18 (September 2006)
9 See Smiley, 517 U.S. at 739-45.
10 Michael Grynbaum, "Nearly 1 in 10 Homeowners Face Loan Problems," N.Y. Times, June 6, 2008 (available at http://www.nytimes.com/2008/06/06/business/06mortgage.html?hp).
12 127 S. Ct. 1559 (2007).
13 E.g., Zvika Krieger, "The Nefarious Bureaucrat Who's Helping Banks Rip You Off," The New Republic, July 2, 2007, at 14.
14 Robert Berner and Brian Grow, "Banks vs. Consumers (Guess Who Wins)," Business Week, June 5, 2008 (available at http://www.businessweek.com/magazine/content/08_24/b4088072611398.htm).
15 Sam Zuckerman, "S.F. Sues Credit Card Service, Alleging Bias," S.F. Chron., Apr. 8, 2008 (available at http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/04/08/BU2S101CV2.DTL).
16 See Elizabeth Warren, "Banks: State Laws Not for Us," Credit Slips (available at http://www.creditslips.org/creditslips/2008/05/banks-state-law.html).
17 Ronald J. Mann, The Supreme Court, The Solicitor General and Bankruptcy: BFP v. Resolution Trust Corp. in Bankruptcy Law Stories (Robert K. Rasmussen ed. 2007).
18 See Robert M. Lawless & Dylan Lager Murray, An Empirical Analysis of Bankruptcy Certiorari, 62 MO. L. REV. 101 (1997).


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Tuesday, September 2nd, 2008
Photo by Jason Snyder
People watch as local firefighters battle fire at the Robert Maddy home, 104 Fochs St., Celina, following a Monday afternoon fire. Flames heavily damaged the garage and an entry way while the living quarters sustained moderate smoke damage.
Online story associated with this photograph
Fire heavily damaged the garage of a Celina home while the owners were away for the holiday weekend sparking an investigation into the cause.
Celina firefighters responded to the Robert Maddy home at 104 Fochs St. at 1:44 p.m. . . .
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Georgia defensive coordinator Todd Grantham has once again gone of the radar to bring in an assistant. Washington Redskins assistant Kirk Olivadotti is leaving the NFL squad to join the Bulldogs' defensive staff.
"UGA, you just got one hell of a coach in Kirk Olivadotti." That was the Twitter reaction from former Georgia and current Redskin defensive end Phillip Daniels. "The defense just got a whole lot better. One of the smartest coaches I have ever known."
Georgia has not announced the hire yet, but the obligatory background checks are believed to be the only hoop not yet jumped through.
Olivadotti will fill the slot opened up when Warren Belin jumped to the NFL's Carolina Panthers earlier this month. Belin coached inside linebackers in Grantham's 3-4 scheme and Olivadotti did coach linebackers from 2007 through 2009 with Washington. All told, he has been on the Redskins' staff for 11 seasons (that includes the Steve Spurrier tenure).
UGA To Hire Olivadotti From Redskins
February 17th, 2011 08:29 AM║ Posted By: John Pennington ║ Permalink
║ Schools: Georgia
Tags: Georgia, Kirk Olivadotti, Phillip Daniels, Washington Redskins
[...] Latest Bama News 2/17/11 UGA TO HIRE OLIVADOTTI FROM REDSKINS Georgia | MrSEC.com Reply With Quote + Reply to Thread « Previous Thread | Next [...]


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The Virtavia Model Collection is available any at any of these vendors :
The Flightsim Store FS Pilot Shop SimMarket PC Aviator
Virtavia's most recent products :
Try some of the free FS models at the Virtavia Freeware Site
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Feb 28 :
Apologies for the lack of activity ! We have been working hard on an all-new Cold War twin-engined prop aircraft for FSX which will be announced in a few days and will be on sale in about a week. In the meantime, the Virtavia Westland Melrin for FS2004 and FSX is now available as freeware ! A VC and 2D panel are included as well as custom sounds. Just head over to the Freeware pages : Virtavia Freeware SiteSep 24 :
The final product screenshots are now avalable on the B-29 Superfortress page ! There are now many new images of the finished Virtavia B-29 package. All modelling and texturing is complete, just the manual and final testing to do.Aug 31 :
New screenshots of the B-29 cockpit on the B-29 Superfortress page ! These shots show the bombardier's swing-out turret gun sight assembly, both in stowed and deployed positions, and a shot of the animated floor-mounted manual hydraulic pump.Aug 24 :
The B-29 Engineer's station is now complete and new screenshots of it can now be seen on the B-29 Superfortress page. The shots of the pilots' and bombardier's stations will be updated again soon as we are adding additional parts, including the bombardier's turret gun sight assembly.Aug 11 :
The B-29 cockpit model front area is complete and can now be seen on the B-29 Superfortress page. Work is continuing on the Engineer's station and the rest of the cockpit.Aug 2 :
The first Work-In-Progress screenshots of the B-29 cockpit model can now be seen on the B-29 Superfortress page. Please note, the model still lacks gauges, window glazing, bombardier's panel and floor detailing. The next WIP update will show all these features. The complete VC will also feature the Engineer's station as well as rear cockpit detailing including the bomb bay viewing porthole and ladder up to the communication tube.Jul 10 :
R3Y Tradewind released !
Jul 3 :
The R3Y Tradewind is very close to release. The illustrated User Manual can be downloaded now if you would like a chance to see all the features of this package before taking the plunge and buying a copy R3Y Tradewind User Manual (PDF) .Jul 3 :
Paint kits for the F-105D Thunderchief, Mi-28 Havoc, F-86F Sabre, Hawker Hunter and F-5E Freedom Fighter are now available in the Freeware Section.Jun 21 :
The R3Y Tradewind cockpit models are now complete and the screenshots of the two variants can be seen on the R3Y Tradewind page ! Note there are additional screenshots for the Bowloader version at the foot of the page. Both models share an identical cockpit, but there are great differences aft of the pilots, including a galley and bunk in the Bowloader. Please note, only the main panel instruments are 'live' - the large number of instruments depicted on the Engineer's and other crew panels are for obvious reasons graphical representations only. Those awaiting the B-29 should note that the Engineer's panel in that cockpit will be modelled and include working gauges, levers and switches.Jun 3 :
The R3Y Tradewind page now shows all the final exterior model screenshots ! All three variants can now been seen : the sleek R3Y-1 with the 'Cruiser' bow, the R3Y-2 'Bowloader' with the bulbous hinged nose and the later R3Y-2 version used as an aerial refeulling tanker, complete with extending fuel hoses. We have even set up the flight dynamics so that the R3Y-2 can be carefully 'beached' on a suitable shore, where the nose can then be raised and loading ramps extended.May 19 :
Apologies to recent purchasers of the HU-16 Albatross package, there was a small error in the installer which caused the aircraft's folder to be placed into the SimObjects folder rather than the Airplanes folder. If you have this problem, just drag and drop the folder 'Virtavia HU-16 Albatross' from the root of SimObjects to the SimObjects\Airplanes folder. A new v1.2 installer is being sent to vendors if you would prefer to just have a new file. Note - v1.2 has no changes over v1.1, just a fixed installer.May 18 :
New version of the Mi-24 Hind available now ! Version 1.2 has been sent to our four FS vendors and they will be hosting it as soon as possible. Check your account at your vendor's site or contact them directly. Version 1.2 adds the following :Fixes missing animations in Polish and GDR VCs.
Adds working landing light.
Fixes incorrect texturing on right-side drip rail.
Adds 14 new camera definitions for both interior and exterior views.
May 1 :
New fix available for HU-16 Albatross water landing issues. This Zip file contains a replacement aircraft.cfg for the Albatross with adjusted contact points to stop the occasional crashes experienced when landing on water: Albatross patch. Use right-click and 'save target as' on the link to save a copy of the Zip file to your PC.Apr 26 :
Announcing the Virtavia B-29 Superfortress ! It's time to preview this other new project being worked on at Virtavia, so another new 'Work in Progress' page has now been added where the first shots of the 8 texture sets can now be seen. Please note, more updates to the B-29 page will not occur until after the R3Y Tradewind project is completed and released.Apr 19 :
Announcing the Virtavia Convair R3Y Tradewind ! A new 'Work in Progress' page has now been added for this all-new Virtavia product. The first screenshots of the exterior models are up NOW.Mar 31 :
Update available for Mi-24D Hind cockpit ! The Artifical Horizons have been changed to the more familiar Western style of operation in the new version of the cockpit. Also the HUD horizon graphic has been altered to match the AH's. Version 1.1 of the Mi-24 has been uploaded to all vendors, alternatively we can e-mail the new VC, gauges .cab and updated manual to anyone who can provide proof of their purchase. The files are small, only 3.4MB in total. Please use the e-mail address shown at the bottom of this page.Mar 29 :
B-45 Tornado released !
Mar 12 :
New paint kits added to the Freeware Section. Adobe Photoshop files for the Sea King (FSX version), the CH-53A Sea Stallion, the Bristol Blenheim and the Supermarine Scimitar can now be downloaded.Feb 26 :
Announcing the Virtavia B-45 Tornado ! A new 'Work in Progress' page has now been added for this all-new Virtavia product. The final screenshots of the exterior models are up NOW.Feb 25 :
Mi-24D Hind released !
Feb 15 :
New Expansion for the FSX Virtavia B-24 Liberator - the C-87 Liberator Express transport and the C-109 tanker ! Both these models are FREE to existing owners of the FSX Virtavia B-24 package, just go to your personal download area (or wherever you normally go for patches and updates) at your vendor's site and you can download the installer. The Virtavia B-24 for FSX MUST be installed already for the expansion aircraft to work. These are external model expansions only, the default B-24 VC is still used, in very slightly modified form. For those wishing to modify the textures, the paintkit files used on the new models' textures are available in the Paint Kits section in the Freeware area.Feb 4 :
The paint kit for the EA-6B Prowler is now available in the Freeware Section.Feb 1 :
The Mi-24D Hind page now shows all the final screenshots ! This great product is now very close to release, just the user manual and the sounds need to be finalised.Jan 22 :
The AlphaSim B-36 Peacemaker has finally been re-released as a Virtavia product ! The usual vendors will be listing this great model package in the next few days. Both the B-36H and B-36B are featured. Both the FS9 and (native) FSX models have a 2D panel, old-style VC, sounds, illustrated checklist, 2 set of reflective textures, panel info images and a readme.txt which lists the keypresses for the animations.Dec 27 :
The AlphaSim Handley-Page Victor is now available as freeware :This once very popular addon includes the B.1A (white), K.1A (camo), and K.2 in both camo and hemp textures. Both FS9 and (native) FSX models have a VC, gauges, sounds, checklist and readme.txt. Both are available now, just head over to the Freeware pages : Virtavia Freeware Site.
Dec 5 :
Two more Virtavia addons have had their prices slashed by 50%. Get the following now at half their usual price (price change is permanent !) : Panavia Tornado F.3, CH-53A Sea Stallion. These are the full products, in no way reduced or diminished, so please go to The Flightsim Store, FS Pilot Shop, Sim Market or PC Aviator for these great bargains.Nov 23 :
The A-4 Skyhawk package gets a 5-STAR review ! : A-4 Skyhawk Review.Nov 22 :
The final A-4 Skyhawk video promo is now ready. EFS Films have produced a truly outstanding montage here, even if you already have the A-4 please take the time to watch this one. The Blue Angels 4-ship scene was an amazing thing to pull off for an FS video. A-4 Skyhawk Video. Use right-click and 'save target as' on the link to save a copy of the WMV file to your PC.Nov 19 :
Announcing the Virtavia Mi-24 'Hind-D' ! A new 'Work in Progress' page has now been added for this all-new Virtavia product.Nov 5 :
A-4 Skyhawk released ! 10 months in development and possibly our most in-depth treatment of any aircraft. Featuring many new techniques and leaps forward in quality, this Skyhawk package will be a landmark release for Virtavia. Head over to any of the four sites above which host Virtavia models to get your copy. A PhotoShop paintkit is available on the Virtavia Freeware Site.Nov 3 :
Eight Virtavia addons have had their prices slashed by 50%. Get the following now at half their usual price (price change is permanent !) : F11F Tiger, F7U Cutlass, F4D Skyray, F3H Demon, HP Hampden, Gee Bee Sportster, Hawker Hunter, Mi-28 Havoc. These are the full products, in no way reduced or diminished, so please go to The Flightsim Store, FS Pilot Shop, Sim Market or PC Aviator for these great bargains.Nov 1 :
The following model packages are now available as freeware :De Havilland Hornet (FS9) - includes Merlin sounds
Bristol Beaufighter (FS9, CFS2)
F-8 Crusader (FS9)
Also - the T-28 Trojan (FS9, FSX) has been re-uploaded.
All models have good VC's, 2D panel, gauges, checklist and readme.txt. All are available now, just head over to the Freeware pages : Virtavia Freeware Site
If any of the older freeware models are missing panel and gauge sets (as was normal in those days), let us know and we will re-upload these compete with their original panels and gauges.
Oct 29 :
The A-4 Skyhawk page now shows the final, amended VC screenshots. The panel now includes two new warning light blocks and repositioned SimIcons. There are also screenshots of the AGM-62 Walleye variant panel (with TV screen in place of radar) and the Blue Angels cockpit (no radar or gunsight).Oct 26 :
The final A-4 Skyhawk hi-res screenshots of the exterior have been posted on the A-4 Skyhawk page. New replacement VC shots will also be posted very soon, as some more detail has been added. The manual now has to be published and also final testing by several veteran US A-4 Skyhawk pilots and a current F/A-18F pilot. We are days away from release.Oct 11 :
The old AlphaSim B-52 Stratofortress, F-117A Nighthawk and Dassault Mirage IV packages for FS2004 are now available as freeware. A VC and full 2D panel suite is included for each, the B-52 includes the Co-Pilot panel addon and a paint kit, and the F-117A includes custom sounds. Just head over to the Freeware pages : Virtavia Freeware SiteOct 10 :
The superb videos by EFS Films of the Virtavia B-1B, Sea King, CH-47D and C-17 which were originally on our now defunct (hijacked) YT channel have now been relinked to the respective pages on this site. Even if you already have the models, these videos are worth a look - set to great music and with amazing scenery, they really show off the models to great effect. Unlike the YT versions, these are in the original high resolution. There are also two videos of the F-111 on its Gallery page - equally well-made by EFS.Oct 10 :
The A-4 Skyhawk is very close to release ! The cockpit model is now complete, hi-res screenshots have been posted on the A-4 Skyhawk page. New features include click sounds for all active switches and knobs and 17 unique FDE's (flight dynamics files) for all the different loadouts. So now fully loaded aircraft will handle differently to lighter loaded or clean ones. Also, all parts of the aircraft which are visible from the cockpit, including weapons and tanks, are visible from the VC. The WIP screenshots of the external model have been removed from the A-4 Skyhawk page as these are not fully representative of the final model (all versions are still included), new, final ones will be posted very soon.Aug 10 :
The old AlphaSim PBY Catalina and SAAB JA37 Viggen for FS2004 are now available as freeware (full panel suite included, default FS9 sounds, paint kits available), just head over to the Freeware pages : Virtavia Freeware SiteAug 4 :
Here's the first review of the C-17 for X-Plane : Review by XSIM.Aug 4 :
Out now ! The C-17A Globemaster III - for X-PLANE ! Tanks to the highly talented efforts of Dawson Designs, Virtavia's already highly popular MSFS Globemaster package is now a fully featured X-Plane release. DD have added many new features, including the civilian Qatar livery, a working FMS, folding HUD, adjustable pedals, flare FX, custom animated pop-up menu, interactive cargo load, plus all the great features from the FSX version. See the full feature list and screenshots on the new C-17 XP gallery page. You can buy this exceptional addon for X-Plane right now at the X-Plane.org store : C-17 for X-Plane, and at the AVSIM store : C-17 for X-Plane. Next up from the Virtavia-Dawson Designs collaboration : the X-Plane Westland/Sikorsky Sea King !Jul 14 :
The final work in progress screenshots are now on the A-4 gallery page ! The last model in the package and certainly the prettiest - the A-4F 'Blue Angels' Skyhawk !Jul 3 :
Another 5-STAR review of the Virtavia F-111 ! : F-111 Review.Jun 28 :
New work in progress screenshots on the A-4 gallery page ! This preview covers the package's two 'Adversary' Skyhawks, as used by the Navy and Marines for dissimilar combat training. Also shown is the access ladder, which appears using the wing fold function when the engine is off.June 25 :
The old AlphaSim C-5 Galaxy is now available as freeware (full panel suite included, default FS9 sounds, paint kit), just head over to the Freeware pages : Virtavia Freeware SiteJun 21 :
The Australian A-4G Skyhawk variants are now previewed on the A-4 gallery page ! These new images show the early A-4G in classic grey and white 'Chequertails' scheme, and the later 'air superiority' grey camo scheme. Please note, in all the images the cockpit is shown in plain black, this is temporary as the final model will of course have appropriate colour and detailing in there.Jun 17 :
Here are two new PDF reviews of Virtavia models by Ray's Aviation :The Sea King and the CH-47D Chinook . The Sea King gets a top score of 5/5 stars, the CH-47D gets a commendable 4/5 stars !
Jun 15 :
New screenshots showing progress on the A-4 have been posted on the A-4 gallery page ! The new images show the detailed MER and TER racks, some USMC textures and the fully working catapult bridle and holdback assemblies. Users of FSX Acceleration will see these appear when hooking up to the cat, the holdback vanishes at launch and the bridle stays until the end of the cat stroke, where it then vanishes.Jun 4 :
The first work-in-progress images of the E version have now been posted on the A-4 gallery page ! It's shown carrying wing tanks and a pair of AGM-12B Bullpups. There'a also a new shot of the A-4F with a centerline tank and the larger AGM-12C Bullpup missiles.May 31 :
The old AlphaSim B-2A Spirit is now available as freeware (full panel suite included, default FS9 sounds), just head over to the Freeware pages : Virtavia Freeware SiteMay 26 :
The first pictures of the new Skyhawk have been posted on the A-4 gallery page ! These are Work-in-Progress shots so it's possible there will still be small changes and improvements. The A-4F depicted has a weathered scheme, a cleaner appearance will be used on some of the other variants in the package.May 14 :
Here are two new PDF reviews of Virtavia models by Ray's Aviation : B-1B Lancer Review and C-17 Globemaster III Review .Apr 30 :
The new A-4 Skyhawk package will now include the A-4E variant. This has delayed release a little, the first screenshots of the exterior will be shown soon. Release is expected late May or early June.Apr 6 :
Virtavia F-111 gets Gold Star Award from FS Pilot e-magazine ! You can read the 10-page review here : F-111 Review (Flash) or download a pdf version F-111 Review (PDF) .Apr 5 :
Virtavia models to support X-Plane. Collaboration with established X-Plane developer Dawson Designs means that premium Virtavia titles will now be fully converted to X-Plane format and offered at the vendors sites listed above. Head over to x-plane.org to read the announcement and see screenshots of the new X-Plane C-17 Globemaster III :Virtavia X-Plane.Apr 4 :
The final F-111 video promo is now ready. It features the exterior models in some great scenes: F-111 Video. Use right-click and 'save target as' on the link to save a copy of the WMV file to your PCApr 3 :
Links to some full and fair flightsim.com reviews of the Sea King and Chinook packages have been placed on their respective pages. The reviews aren't new but may be useful if you have not already read them.Apr 1 :
The old ex-AlphaSim F-111 Aardvark and B-1B Lancer packages are now available on the Virtavia Freeware pages. The F-111 will work in FS02 and FS9. The B-1B is for FS9, with a separate FSX version. Both packages are 100% complete, with panels, gauges, sounds, checklists and other goodies. Virtavia Freeware Site.Mar 22 :
Announcing the Virtavia A-4F Skyhawk ! Our latest project is well under way and the amazing virtual cockpit is almost complete. Click the A-4F link above to view the current specs and some WIP shots of the new cockpit. Exterior shots will be posted as soon as the first textures are completed.Mar 17 :
F-111 released ! Head over to any of the four sites above which host Virtavia models to get your copy. A PhotoShop paintkit is available on the Virtavia Freeware Site.New Tech Support e-mail: tech.support -at- virtavia.com


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Big blood pressure improvements seen with no copays, easier-to-use pills
CHICAGO — New research suggests giving patients easier-to-take medicine and no-copay medical visits can help drive down high blood pressure, a major contributor to poor health and untimely deaths nationwide. Those efforts were part of a big health care provider's eight-year program, involving more than 300,000 patients with high blood pressure. At the beginning, less than half had brought their blood pressure under control. That increased to a remarkable 80 percent, well above the national average, the researchers said. The research involved Kaiser Permanente in Northern California, a network of 21 hospitals and 73 doctors' offices, which makes coordinating treatment easier than in independent physicians' offices.
- The Secret to Physician Engagement? It's Not Better Pay
- Two-Midnight Rule Must be Fixed or Replaced, Say Providers
- Don't Underestimate Emotional Intelligence
- 4 Reasons PCMH Principles Aren't Going Away
- Yale New Haven Health Partners with Tenet Healthcare in CT
- Care Coordination Tough to Define, Measure
- Evidence-Based Practice and Nursing Research: Avoiding Confusion
- Hospital Groups Strike Back at Hospital Rating Systems
- AHIP: Enormity of HIX Challenges Sinks In
- SCOTUS Review of NC Board Case 'A Very Big Deal' to Providers


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A System for Growing Small Populations of Living Cells and Monitoring Their Physiological State
- Category:
- Field of use:
This invention combines the microfluidic and microelectronic devices and techniques required for the microminiaturization of cell culture and cell measurement systems to allow monitoring the response of populations of 1 to several hundred living cells. The instrument(s) allows for the detection of extracellular, membrane, and intracellular parameters; and the incorporation of closed-loop control techniques to continuously monitor the health of the cell and adjust the environmental and pharmacological parameters that control the cell.
U.S. Patent 7,435,578: Device and methods for monitoring the status of at least one cell
U.S. Patent 7,981,649: Device and methods for monitoring the status of at least one cell


text:
Parenting DVD Collection
The Kid's Room maintains a collection of DVDs as part of the Parenting Collection. They range in subject from prenatal yoga to sign language introduction and behavioral issues. They are found in the DVD section and have yellow letter dots and a Parenting sticker.
Parenting DVDs circulate for 7 days each.


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I am attempting to install C3d 2013 onto two workstations. One is brand new with no other Autodesk software and the other has C3D 2012 already installed. Upon inserting the installation disk (32 bit) I receive the following error message and then the installation screen closes.
I've used this disk to successfully install c3d 2013 many times on other workstations.
Does anyone know why this is happening? Especially when it comes to the brand new workstation? And what I need to do to fix it?
Solved! Go to Solution.
are you using trend micro?
Oh crap, you're right!! Forgot to disable the antivirus software. Seems to be working now.
Log into access your profile, ask and answer questions, share ideas and more. Haven't signed up yet? Register
Start with some of our most frequented solutions to get help installing your software.
CAD Managers |
Installation & Licensing |


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This has to be a common phenomenon, right? A free-spirited crochet queen forcing her boyfriend to model her handicrafts on Etsy? I found these twenty sad boyfriends pretty easily, so there are probably enough to at least launch a single-topic Tumblr blog.
Most of them are wearing beanies. Can a man be happy wearing a crocheted beanie? Anyway, hope you enjoy these pathetic sad sacks as much as I did.
"Smile sweetheart."
"Honey, I said smile."
He actually looks like he's been crying for a few hours.
This guy's thinking about Xbox.
The faux wooden paneling is the saddest part of this photo.
The weight of the world is on this guy's hooded shoulders.
I think this cheery guy is a designer at Tumblr.
I guess when your hair is that colorful, you need to tone it down with grays and a sad face.
The most unconvincing smile ever.
Did your girlfriend just get in a car wreck or are your earlobes just cold?
This is just getting ruhdiculous.
My personal favorite. Seething rage behind those eyes.
I want to stick little felt Bible characters on this guy's hat.
He's contemplating suicide by hanging himself on the chinstra---I dunno.
This guy thinks he's getting laid tonight.
He's sad because the beanie covers his bling.
The face of a man who suddenly feels like he doesn't even know her anymore.
Even this mannequin head is depressed.
After I wrote this, I noticed Regretsy found the saddest boyfriend of all.
... and if you liked this post, you should also check out Urlesque's 22 Examples of Etsy Child Abuse.
- related:// The 24 Craziest Finger Puppets on Etsy
- related:// Urlesque's Etsy coverage


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Check out who was featured in the forty-second World of Tanks community fan art spotlight!
Read more!
Do you have art inspired by World of Tanks? We'd love to see and share all of your awesome creations! Simply submit your pieces to firstname.lastname@example.com for a chance to have them shared with all World of Tanks players here on the community portal.
5 replies to this topic
#3 Posted Oct 14 2012 - 14:56
ya I tought it looked more like a tiger then a comet but I guess it looks even more like a T25/2, not nearly long enouf for a comet
Edited by Springy194212, Oct 14 2012 - 14:56.
#5 Posted Oct 16 2012 - 13:35
where could i post my drawing?
Attached Files
Edited by Swat13, Oct 16 2012 - 13:53.


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Gray Matter: The Fire Bird
Deep-frying a turkey can be a delicious Thanksgiving treat—or a deadly conflagration, as our rather dramatic video shows
Oil and water don't mix: it's an old saying, but it's never more true than when you're talking about a pot of hot cooking oil and the moisture condensed on the surface of a frozen turkey. it's pretty incredible the amount of fire that simple combination can create.
Cooking oil is flammable, but it doesn't catch fire in a deep fryer because it never approaches the approximately 800°F required. Even if you drop a match in the fryer, the heat is conducted away from the flame and dissipates into the oil, and the fire goes out.
But oil dispersed into fine droplets is another beast entirely. individual droplets heat up very quickly, and the burning of one drop creates enough heat to ignite the one next to it, and so on, making a cloud of oil droplets extremely flammable. Where might a cloud of oil droplets come from? From that big, frozen bird.
The recommended oil temperature for a deep fryer is 350°, well above the boiling point of water. When you drop food in, you immediately see bubbles; that is the water in the food boiling off. Put too much moisture in by lowering in a frozen turkey, and the vaporization of the water throws oil droplets into the air. a few of the droplets hit the burner under the pot and catch on fire, beginning a chain reaction that ignites a large cloud of droplets. The result is the smell of a county fair—and a towering inferno that can ignite everything around it.
So even if it's tempting to buy one of the many cheap turkey deep-fryers this time of year, you can add death by incineration to the other main reason not to: death by clogged arteries. (Note: grilled chicken can also sometimes catch fire.)
WARNING! This demonstration will burn your house down--seriously. If you want to fry a turkey, read the fryer's instructions, and do not try to re-create this effect at home under any circumstances.
Let's see that one more time in slow motion.
I have deep-fryed turkeys for several years without incident, but about 3 years ago I came up with a simple change that makes it much safer. I first heat the peanut oil to 375 degrees so it will sear the juices in. Then just before lowering the thoughly defrosted turkey into the oil, I turn off the gas so there is no flame to ignite the oil! Within a few minutes, the moisture in the bird dissapates so the oil isn't splashing excessively. By this time, the oil is down to 300-325 degrees, so I restart the burner with my propane torch, which works very well even in a brisk wind, and bring the oil back up to 350. This only adds a couple minutes to the cook time and is much safer as there is no ignition source when a flare up would be most likely. I always do a final check with a meat thermometer to in sure the bird is done. Enjoy!
personally, I prefer smoked turkeys, but deep fried are the next best thing.
why learn from your own mistakes, when you could learn from the mistakes of others?
"The most incomprehensible thing about the universe is that it is comprehensible" -Albert Ein
since this is a science blog, There is no such thing as 'sear the juices in'. What you do is burning the outside making the surface porous and letting out all the 'juices'. To obtain realy juicy meat you need to boil it. Slow!
But we all learn to like the crisp outside of meat. That's why we incinerate our animals. And as a bonus the contrast makes us beleive the inside is juicy.
that sounds like total bull ive had boiled chicken and its the most disgusting thing you can do to fowl short of rubbing it on your toilet.
The meat becomes flavorlessm and the skin like snot.
Now i dont know ive never tried but perhaps steaming might work with a quick cripsing in a fry pan for the skin ?
@LookItMeAgain, you are right, searing meat, isn't searing in the juices as the food network would like you to believe (enter conspiracy of making us eat more carcinogens) J/k
The best way to cook meat is to bring it up to temperature slowly...low and slow.
@Aldrons Last Hope, Thanks. Carcinogens! That was the word I was looking for. I came up with "... the surface carciogenetic, porous, and letting out ...."
Somehow that didn't feel right...
Reading the october 24th blog about the quail-hollow-farm-dinner one would really think there could be a bad-food-conspiracy.
@quseio2 You are right about the fact that baked or fried food tastes best but the issue was 'What keeps the juices in'. Bad food (nowadays) meant usually HiEnergy food and this kept us alive during an IceAge or other food deprived periods -and therefore imprinting the urge to eat grease in our genes-.
I've seen a lot of dumb things happen in the past. The dumbest one of them all is dunking a frozen block of turkey. This happened to a house a few blocks from me when I was a child, apparently the person didn't understand oil displacement as he filled it all the way to the top, flash fires and unfortunately had the burner in the patio. When He dunked it, it must of instantly set him and the patio ablaze which quickly got to the house. 3 people were killed I think, and in he end, the house was so badly damaged contractors had to level it. Moral of the story here I learned at the age of 9 is in physics, displacement in one hell of a golden rule we are governed by, and that chemistry is one mean bitch, who proved biology that without knowledge and common sense, you'll quickly find yourself out of the gene pool :\
" Science without religion is lame, religion without science is blind." Albert Einstein
Has anyone here ever had a good deep fried turkey, other than TomGray? It is by far more juicy and flavorful than any baked turkey. The advantage in deep fried is that it cooks the turkey so fast that it doesn't have as much time to lose the juices.
However, low and slow as in smoked turkey, you get something really juicy and falling off the bone tender. Either low and slow or deep fried, if you overdo it you end up with really tough turkey jerky.
That's using your gray matter, TomGray! Turn off the burner! How simple! And peanut oil is wonderful stuff. It does well at high temperatures. You can even solder in it!
If turkey fryers had broader stands and had thermostats, that would probably prevent many of the conflagrations on Thanksgiving.
-- Lyle
Folks, peanut oil IS FLAMMABLE. The only oil I know of that is assuredly not is CCl4 or carbon tetrachloride which is NOT food safe. I am a chemistry, physics and math teacher at a private school and I can assure you that peanut oil will do exactly the same thing shown in this video. It does have a higher smoke point making it especially well suited to deep frying.
I like the recommendation of turning off a flame burner during the initial immersion, reigniting it after most of the atomization has died down.
Many of you are surprisingly quite ignorant of food science. Fried meat tastes much better due to Maiilard reactions. Get Harold McGee's book "On Food And Cooking" ISBN 0684800012 and read up on various topics about myoglobin denaturation and meat doneness, frying, turkey, etc..
Bon apetit!
Be with you family and friends, nice.
Cook a turkey nicely too and well. Wonderful!
Cooking to be dramaticly hurt yourself and others is just dumb!
I hope you did not go for the dramatic. I hope you focus most on your family and friends! Take care.
Remember the turkey is just a dead bird, nothing more.
FAMILY and FRIEND ARE EVERYTHING! ENJOY!
we deep fry our turkey, well 4 of them, every thanksgiving. we inject 2 quarts of cajun spices into each one. skin forms a shell and locks all the moisture inside. there will be about 50 people showing up...i guess they like it. btw we also turn off the flame when we set the turkey in the oil.
There is no need to subject yourself to this punishment. Checkout Camp Chef's cast iron Ultimate Turkey Roaster, which produces a much better overall turkey "cooking" result without the danger of frying yourself, your children, your pets, or anything else other than the turkey. You do not waste oil or the leg and wing meat (no need to stop and relight the burner). The cleanup is quicker, easier, and safer. You can use the same injectable marinades and rubs, and the same burner to cook the bird in the same amount of per-pound time. I haven't fried a turkey in 5-years, but have treated neighbors, family, and friends to what they thought was the best tasting and tenderest turkies they've ever tasted. By the way, I've never had a problem with frying turkeys the "conventional way", but the roaster eliminates so much of the danger and cleanup that I can actually enjoy beers with the guests.
Hi to all. Deep fried, smoked, boiled, baked, oven cooked turkey....
Find here the most spectacular recipe I received from a friend many years ago:
Step 1: Go buy a turkey
Step 2: Take a drink of whiskey (scotch)
Step 3: Put turkey in the oven
Step 4: Take another 2 drinks of whiskey
Step 5: Set the degree at 375 ovens
Step 6: Take 3 more whiskeys of drink
Step 7: Turn oven the on
Step 8: Take 4 whisks of drinky
Step 9: Turk the bastey
Step 10: Whiskey another bottle of get
Step 11: Stick a turkey in the thermometer
Step 12: Glass yourself a pour of whiskey
Step 13: Bake the whiskey for 4 hours
Step 14: Take the oven out of the turkey
Step 15: Floor the turkey up off of the pick
Step 16: Turk the carvey
Step 17: Get yourself another scottle of botch
Step 18: Tet the sable and pour yourself a glass of turkey
Step 19: Bless the saying, pass and eat out
Have a great Thanksgiving!!
Thanks to lyle for the soldering tip. It might not be too good for soldering but I could see how you might use the technique for unsoldering things. To cook a turkey: simply nuke it in the microwave until it's done then either put it in the woodstove for a few minutes or hit it with the blowtorch until crispy.
An additional consideration is to be sure all kids are away from the thing, and there is no rough housing nearby. Adults should be sober, and nobody not necessary to the cooking process should be anywhere nearby.
The thought of a tipover spilling hot oil on somebody gives me a chill. I also never had a fondue for that reason.


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Hi, Do you use any php IDE for debugging purpose? I checked eclipse. Is their any other useful IDE like eclipse which i can check for debugging purpose? Thanks
Komodo IDE Zend Studio NuSphere PhpED ...lots more...
Logic without the fatal effects. All code snippets are licensed under WTFPL.
Forum Rules


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Dr. Hauschka Rose Day Cream
Dr. Hauschka Rose Day Cream Reviews
Expensive Day Cream
A friend convinced me to buy this overpriced item and I want to kick myself. What IS the hype?! This product line at our food co-op is VERY popular and everyone said to expect amazing results. NOT. Go with Aveeno or Clinique for a better price and better results. — 4 years, 8 months agoThis review is: Helpful | Not helpful | Inappropriate | 4 of 6 people said helpful
Nice Texture, But No Great Results
I had read several reviews of Dr. Hauscka's Rose Day Cream recommending it as a soothing, moisturizing treatment for sensitive skin, so I decided to give it a try. I will say that it does have a nice, light texture (I can't stand heavy moisturizers or skin treatments) and it didn't bother my sensitive skin at all. However, I wouldn't say that there's anything special about this product: it didn't ...read moremake my skin any more soft or smooth than other moisturizers. I don't think it's worth the price. — 4 years, 3 months agoThis review is: Helpful | Not helpful | Inappropriate | 1 of 2 people said helpful
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13 Questions with Curtis Stone (Part 1)
Last weekend, celebrity chef and Top Chef Masters host Curtis Stone promoted his new book, "What's for Dinner?" at the Tanger Outlets for the Taste & Style Event. He cooked up a tasty meal, signed autographs and sat down with the Record to answer 13 questions. For Part 2 (and exclusive pictures from the event) see Tuesday's edition.
1. Have you ever been to this area before?
I have actually. I brought my dad here on a boys' weekend. He came over to visit me and we were in California and I'd never been to Austin, but I'd heard good things about it. So, we came over and stayed for four or five days which was a lot of fun.
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ST. PAUL, MN (KDAL) - A bill that allows same sex couples to marry passed the Minnesota House Ways and Means Committee Monday night. That clears the way for a possible floor vote in the House this week. The measure would need 68 votes for approval and supporters say they would have enough for passage.
The Rush Limbaugh Show 11:00 AM - 2:00 PM
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Fair Trade's Growing Pains: Pivoting a Successful Model
When Paul Rice launched Fair Trade USA 14 years ago, it wasn't easy. He didn't draw a paycheck for six months. The second year, he went without for another six months. But the early struggles, he says, were cake compared with the challenge he faces shifting an already successful business model.
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Columbus Square is a collection of five New York destination luxury apartment buildings in Manhattan. Our no fee apartment rentals feature studios, one, two, three and four bedroom homes. Located in New York City's Upper West Side neighborhood, your future Manhattan apartment is only steps away from the plush greenery of Central Park and minutes from Manhattan Transit Authority service 1, 2, 3, B and C subway. Grand Central and Penn Station is conveniently accessible via the 2 & 3. In addition, our distinct high-end luxury apartments provides convenient access to the "oldest institution of higher learning", Columbia University and "The most comprehensive hospital", New York Presbyterian and "Internationally acclaimed for excellence in clinical care", Mt. Sinai hospital. Our NYC high rise apartments in the Upper West Side showcases condominium style living and some of the most breathe taking views of the world renowned urban park; Central Park, Hudson River, Lower Manhattan, Mid town, East River, George Washington Bridge and New Jersey Palisades. Our NYC rental apartments offers alluring and glossy oak flooring, granite countertops, stainless-steel appliances, open & well proportioned floor plans with oversized floor to ceiling windows to add natural light and a scenic back drop. Most of our apt rental homes offer washer and dryers in each unit and every building includes a laundry facility. Columbus Square residents get to take advantage of our state of the art fitness center, equipped with Lifestyle machines, indoor heated swimming pool, children playroom, elevated & manicured outdoor space, expansive resident lounge and a 24 hour front desk attendant. Right at your door step is a plethora of retail space including Whole Foods, Modell's, TJ Maxx, Michaels, Duane Reade, Chase Bank, Bank of America, Home Goods, Crumbs, Sephora, Starbucks, Petco and more to come. If you are ready to experience what true New York City luxury apartment rentals have to offer, call today to schedule a private tour of your new Columbus Square apartment home!
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Alcatel-Lucent (ALU) has an incredible product in the LTE hardware it created. This has been written about and praised for years. Unfortunately the macro-economic conditions have not been good to the clientele the company depends on. This has left ALU exploring ways to raise revenue to address debt issues maturing in 2015. With this in mind, let's explore if ALU would be a good investment at this time.
CEO Ben Verwaayen has struggled for 5 years in his attempt to turn the company around. European phone companies have spent less because of problems in Europe, and the company has global rivals (especially in China) putting pressure on them. Cutting thousands of jobs and facing $2.6 billion in debt coming due in the next three years continues to work against the turn around. In search of revenue to bolster finances, it is exploring selling some secondary patents. Alcatel-Lucent has almost 30,000 patents and 15,000 applications pending. So the company is exploring licensing or limited sales of those secondary patents that aren't part of its core.
Interest has been generated from many different sources.
Asset Backed Financing
Looking for other ways besides patents to strengthen its balance sheet, ALU is very aware of the convertible debt coming due in 2015. The company is focused on addressing this issue with about 2.2 billion euros in debt repayments through to the end of 2015, with a major deadline on Jan. 1, 2015, according to analysts.
CFO Paul Tufano said this in a recent interview about the company's exploration:
"We are doing the research that it will provide the ability to take the liquidity issue off the table. Specifics are actively being worked right now. I can tell you we are extremely focused on it."
The temperament behind his words sounds like a top priority. This company needs to solve debt issues coming up while struggling with revenue generation. This is a tough position to be in.
Asset bank financing will create other options for the company. The submarine cable business, patents (which I have written about) and other assets have been discussed. With a second straight quarterly loss this will be a hard sell for the company. Between the numerous different contracts involved and negative covenants on its debts, it will be a complicated process if it can work at all. Even the sales of assets have been kicked around.
The best thing it has going for it
The best financial traction the company has right now is LTE in the United States with AT&T. AT&T is in the middle of a LTE build out that is scheduled to be completed next year. It budgeted $20 billion in spending just for 2012 and planned on having the LTE network cover 150 million POP's also by year's end.
As an investor, I would think about this and get a better feel for the company. When most companies are thinking about expanding and ALU must explore ways to address debt issues because of the present economic conditions. They are in a tough position right now. I believe the company is a good company but present economic conditions make it tough on it to grow and expand in an industry that takes a lot of capital. Although I think highly of the company's product, I just do not believe that it would be a good time to invest in the company.


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Footner, Hulbert: The Under Dogs. v1. 27 Feb 2013
Hulbert Footner (1879-1944) was a Canadian writer of non-fiction and detective fiction. He was born William Hulbert Footner in Hamilton, Ontario, and traveled to New York in 1898. In the United States, he attempted an acting career, which he eventually gave up on. His first published works were travelogues of canoe trips on the Hudson River, as well as in the Northwest Territory along the Peace River, Hay River and Fraser River. He also wrote a series of northwest adventures during the period 1911 through 1920, including The Sealed Valley (1914) and The Fur Bringers (1920).
Excerpt In The Under Dogs Mr. Footner is in his finest form. In it he tells of the amazing detective skill of Rosika Storey alias Jessie Seipp, in the opinion of the New York police the cleverest woman in the world. It tells how she wove the net which was to snare the greatest crook organisation in America. She faced infinite peril and hardship, and the greatest demands were made upon her courage and her brains, but in the end her triumph was complete. There is not a dull moment in the book; Rosika is a fascinating character, and the book reveals a vast knowledge of New York's underworld. This work is in the Canadian public domain OR the copyright holder has given specific permission for distribution. It may still be under copyright in some countries. If you live outside Canada, check your country's copyright laws. If the book is under copyright in your country, do not download or redistribute this work.
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Maxwell Bodenheim
Maxwell Bodenheim | |
Born | Hermanville, Mississippi, USA |
May 26, 1892
Died | February 6, 1954 New York, New York |
(aged 61)
Occupation | Poet, novelist |
Language | English |
Nationality | American |
Genres | Poetry, novel |
Spouse(s) | Minna Schein (1918-1938); Grace Finan (1939-1950); Ruth Fagin (1952-1954) |
Maxwell Bodenheim (May 26, 1892 – February 6, 1954) was an American poet and novelist who was known as the King of Greenwich Village Bohemians. His writing brought him international notoriety during the Jazz Age of the 1920s.
He was born Maxwell Bodenheimer in Hermanville, Mississippi, the son of Solomon Bodenheimer (born July 1858) and Carrie (born April 1860). His father was born in Germany and his mother in Alsace-Lorraine. Carrie emigrated to the United States in 1881 and Solomon in 1888. In 1900, the family moved from Mississippi to Chicago. The Federal census gave their residence as 431 46th Street.
Bodenheim and writer Ben Hecht met in Chicago and became literary friends about 1912. (At the time, Bodenheim was nicknamed "Bogey." [1] The nickname was also applied in his later years in Greenwich Village.) They co-founded The Chicago Literary Times (1923–1924). Contributors included Carl Sandburg, Theodore Dreiser, Edgar Lee Masters, Witter Bynner, Arthur Davison Ficke, Floyd Dell, Vachel Lindsay and Sherwood Anderson.
For many years a leading figure of the Bohemian scene in New York's Greenwich Village, Bodenheim deteriorated rapidly after his success in the 1920s and 1930s. Before he married his second wife, Grace, he had become a panhandler. They spent part of their marriage in the Catskills. After she died of cancer, he was arrested and hospitalized several times for vagrancy and drunkenness.
Critic John Strausbaugh suggests that Bodenheim had "a real talent for scandal, easy enough to generate during Greenwich Village's prolonged drunken orgy in the Prohibition years." Strausbaugh notes that Bodenheim's "haughty, insulting demeanor, and his habit of trying to steal other men's women right under their noses, got him regularly socked on the jaw and thrown out of bars, soirees and the fauxhemian revels at Webster Hall."[2]
Bodenheim published his earliest verse in Poetry Magazine in 1914. A poem by Bodenheim was featured in the 1917 Others: An Anthology of the New Verse, which included poems by such future luminaries as T. S. Eliot, Marianne Moore, Carl Sandburg, William Carlos Williams, and Wallace Stevens.[3] Over the next ten years, he established himself as a leading American author, publishing ten books of verse, which incorporate many techniques of the imagists, and 13 novels. His poetry books include Minna and Myself (1918), Advice (1920), Against This Age (1923), The King of Spain (1928), Bringing Jazz! (1930) and Selected Poems 1914–1944 (1946).
Bodenheim's novels include Blackguard (1923), Replenishing Jessica (1925), Ninth Avenue (1926), Georgia May (1927), Naked on Roller Skates (1930) and A Virtuous Girl (1930).
Personal life and death[edit]
Bodenheim had three wives, Minna Schein (married 1918-divorced 1938), Grace Finan (married 1939-her death 1950), and Ruth Fagin (married 1952-their deaths 1954). He and Minna had one son, Solbert, who was born in 1920.
I shall walk down the road.
I shall turn and feel upon my feet
The kisses of Death, like scented rain.
For Death is a black slave with little silver birds
Perched in a sleeping wreath upon his head.
He will tell me, his voice like jewels
Dropped into a satin bag,
How he has tip-toed after me down the road,
His heart made a dark whirlpool with longing for me.
Then he will graze me with his hands
And I will be one of the sleeping silver birds
Between the cold waves of his hair, as he tip-toes on.
Ruth, 28 years his junior, shared his derelict lifestyle. They were homeless and slept on park benches. He sometimes panhandled while carrying a sign that read, "I Am Blind," even though he was not sightless. He sometimes composed short poems for money or drinks. Ruth engaged in prostitution, which reportedly provoked beatings by her husband.
Bodenheim and Ruth were murdered February 6, 1954, at a flophouse at 97 Third Avenue in Manhattan, New York City, by a 25-year-old sociopathic dishwasher, Harold "Charlie" Weinberg, whom they befriended on the streets of the Village. He offered to let them spend the night in his room a few blocks from Bowery. He was sexually attracted to Ruth, and the two became active on the floor near the cot where the 62-year-old drunken Bodenheim was supposedly sleeping. Bodenheim arose, challenged Weinberg, and they began fighting. Weinberg shot Bodenheim twice in the chest. Ruth was beaten and stabbed four times in the back. Weinberg confessed to the double homicide, but attempted to justify his actions as patriotic, saying in his defense, "I ought to get a medal. I killed two Communists."[4] Weinberg was judged insane and sent to a mental institution. Some[who?] believed Weinberg was moderately retarded.
Hecht offered to pay for Bodenheim's funeral. Bodenheim's ex-wife, Minna, made arrangements to have him buried in her family plot in Cedar Park Cemetery, Emerson, New Jersey.
The year before their murder, the Bodenheims spent some time (perhaps two months) as guests of the Catholic Worker of Dorothy Day in New York. Day, who had been a friend of Maxwell Bodenheim in Greenwich Village in the 1920s, devotes a chapter to the Bodenheims in her Loaves and Fishes (1963).[5]
Bodenheim's memoir, My Life and Loves in Greenwich Village, released six months after Bodenheim's death in 1954, was ghostwritten by Samuel Roth, who had been cheaply paying a down-and-out Bodenheim for his biographical stories about Greenwich Village at the time of his murder. Hecht based his 1958 play Winkelberg on the life of the Bohemian poet.
Three official full biographies exist on Maxwell Bodenheim: a doctoral dissertation by Edward T. Devoe, 'A Soul in Gaudy Tatters' Pennsylvania University 1957, A biography titled Maxwell Bodenheim by Jack B. Moore was published in 1970. A doctoral disstertaton, "The Necessity of Rebellion: The Novels of Maxwell Bodenheim," was produced by Arthur B. Sacks at the University of Wisconsin-Madison in 1975.
Selected works[edit]
- Minna and Myself, poetry, 1918
- Advice, poetry, 1920
- Introducing Irony, poetry, 1922
- Against This Age, poetry, 1923
- Blackguard, novel, 1923
- The Sardonic Arm, poetry, 1923
- Crazy Man, novel, 1924
- Replenishing Jessica, novel, 1925
- Ninth Avenue, novel, 1926
- Returning to Emotion, poetry, 1927
- Georgie May, novel, 1928
- The King of Spain, poetry, 1928
- Sixty Seconds, novel, 1929
- Bringing Jazz!, poetry, 1930
- Naked on Roller Skates, novel, 1930
- A Virtuous Girl, novel, 1930
- Duke Herring, novel, 1931
- Run, Sheep, Run, novel, 1932
- New York Madness, novel, 1933
- Slow Vision, novel, 1933
- Lights in the Valley, poetry, 1942
- Selected Poems, poetry, 1946
- My Life and Loves in Greenwich Village, 1954
- Cutie A Warm Mamma (Ben Hecht and Maxwell Bodenheim)
- ^ Troubadour, Alfred Kreymborg. Boni and Liveright: New York, 1925
- ^ Strausbaugh, John, "Maxwell Bodenheim", The Chiseler, December 15, 2012
- ^ "Stevens' 'Thirteen Ways of Looking at a Blackbird'", Nancy Bogen, Exlicator, Summer 2004, Vol. 62 Issue 4, p217-221
- ^ Burns, Jim. "Maxwell Bodenheim". The Penniless Press. Retrieved 25 Apr. 2009
- ^ Day, Dorothy (1963). Loaves and Fishes. New York: Harper & Row. pp. 151–55.
External links[edit]
- Poems by Maxwell Bodenheim Extensive collection of Bodenheim's poetry
- Factory Girl by Bodenheim at Oldpoetry.com
- Photo
- memoir of Max Bodenheim by Dorothy Day


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Full title reads: "Somers Town. 'Let the good work go on'! Lady Patricia Ramsay opens another block of 35 flats of working classes - 160 have been built in last 6 years - on what was once one of London's worst slums."
Somers Town, London.
Lady Patricia Ramsay stands next to a priest,...
We always welcome comments and more information about our films.
All posts are reactively checked. Libellous and abusive comments are forbidden.


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Bentley to debut Continental GT Speed at GenevaBentley is set to unveil its Continental 6.0-litre W12 GT Speed in both coupe and convertible guise at the Salon Internationl De L'auto 2014 in Geneva. The show will run from March 6 to 16 at the Geneva Palexpo convent More… |
New Ford Mustang to make movie debutFord's all-new Mustang is set to make its big-screen debut in the 'Need for Speed' movie on March 14. The 'Need for Speed' star Aaron Paul will drive the custom 2014 Mustang hero car in the movie base More… |
Renaissance unit prices $350m debut bondTopaz Marine, a unit of Oman's Renaissance Services, priced its $350 million debut bond, a statement from the parent firm said on Sunday, in a rare high-yield transaction from the Gulf region. The five-year offering carr More… |
McLaren to debut 2 new cars at Dubai showMcLaren Automotive is set to debut two new cars – the McLaren P1 and 12C GT Sprint – for the Middle East market at a major motor show in Dubai next month. The Dubai International Motor Show 2013 will be held at the Dub More… |
Al Hilal Bank debut sukuk oversubscribedAbu Dhabi-based Al Hilal Bank's debut $500 million sukuk was oversubscribed several times and topped $4.75 billion, said a statement from the bank. The sukuk was issued at par with 3.267 per cent semi-annual profit rate with a More… |
New Jaguar F-TYPE makes UAE debutAl Tayer Motors, one of the UAE's premier automobile dealerships and the official importer-dealer for Jaguar and Land Rover vehicles, unveiled the all-Aluminium two-seater convertible sports More… |
Top Ducati rider set for debut UAE raceDario Marchetti, one of world's top Ducati riders will be making his racing debut in the emirates at the UAE Sportbike Series to be held at the Dubai Autodrome on March 29. Marchetti, a multiple championship winner around th More… |
SteelFab to feature new product launchesA slew of new machinery, equipment and technology is set to debut in the region at the upcoming SteelFab 2013, a top trade event for the steel fabrication and metal working industry, in Sharjah. Several global manufacturers and de More… |
Al Ghassan debuts all-new McLaren in BahrainAl Ghassan Motors, McLaren Automotive and retailer for Bahrain, recently debuted the 12C Spider at an exclusive drive event in the Kingdom. Customers, VIPs and executives from Mumtalakat, McLaren's principal shareholder, wer More… |
Historic Facebook debut falls flatThe historic initial public offering of Facebook did not go as planned on Friday, as the social networking company's sky-high valuation combined with trading glitches left the stock languishing near its offering price at the market close. More… |


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Posts Tagged 'bisphenol-A'
Watt: Where even the talk is not cheap
by Michael Watt Published: January 18, 2013
Tags: bisphenol-A, BPA, budget, Deficit, Economy, Hurricane Sandy, Legislature, local government, resources, Steve Bellone, time
Long Island needs to stop focusing on nonissue issues.
FDA: BPA no longer allowed in baby bottles
by The Associated Press Published: July 17, 2012
Tags: baby bottles, ban, bisphenol-A, BPA, FDA, Food and Drug Administration, sippy cups
The federal government announced Tuesday that baby bottles and sippy cups can no longer contain the chemical bisphenol-A, or BPA. The U.S. chemical industry's chief association, the American Chemistry Council, had asked the Food and Drug Administration to phase out rules allowing BPA in those products in October, after determining that all manufacturers of bottles [...]


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Journaling is hard. Even for professional writers, deciding what to say on a layout can be truly challenging, let alone figuring out how to make it authentic, creative, and meaningful. But struggle no more, because help is on the way!
Journaling that Matters is packed with 51 easy tips to help you write from the heart without breaking a sweat. You'll love the expert advice, inspirational layouts, practical tips, and timeless suggestions that are suitable for writers of all levels—from the most experienced journalers to the most insecure. Kelly, Angie, and their eight talented contributors will help you unlock important stories and tell them with confidence. Also featuring the work of: Linda Barber, Moon Ko, Donna Jannuzzi, Layle Koncar, Audrey Neal, Keshet Shenkar, Wendy Smedley, and Stephanie Wheeler.
The book is loaded with great journaling prompts. While reading it, I found myself jotting down ideas for future pages. Since I've been in a bit of a layout rut lately, this was just what I needed to adjust my approach. Inspired by the prompt "let an object inspire the journaling" I made this page this morning:
My object: an unused vintage concert ticket for a Cheap Trick show on August 21, 1979 that I found on eBay. Here's my journaling:
I found this unused concert ticket on eBay. Although I did not attend this show, I was immediately struck by the date - as it was the date of my 13th birthday. While Cheap Trick was playing this concert in Oregon, I was on the other side of the states in NJ, receiving the album Cheap Trick: Live at Budokan as a gift for my birthday. It was my first 'rock & roll' album and it was given to me by my brother Anthony. At the time, I loved Cheap Trick (and I still do!). "I Want You To Want Me" was in heavy rotation on all the radio stations and I would wait anxiously to hear it - or even better, see it on one of the late-night rock shows that used to be on. I'd swoon at the sight of Robin Zander. I played that album thousands & thousands of times on my crappy little stereo. I was a fan in the strongest sense of the word and that album was my soundtrack. It was the perfect gift at the most perfect time.
To say this album represents a turning point in my youth, as well as an influence on my musical taste going forward, would be a massive understatement. Thanks Anthony, thanks Cheap Trick and thanks Robin Zander – you still make me swoon after all these years!
I was wondering what I was going to do with that ticket - I'm so glad it found a home on this page with this little story I wanted to tell.
So, want to win your very own copy of Journaling that Matters? Just leave a comment and I'll draw a random winner on Sunday!