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Validation trial of an accelerometer-based sensor platform for swimming
There are no files associated with this record.
Title | Validation trial of an accelerometer-based sensor platform for swimming |
Author | Davey, Neil; Anderson, Megan; James, Daniel Arthur |
Editor | Fuss, Subic, Mehta |
Year Published | 2008 |
Publisher | Wiley |
Citation | Sports technology, Vol. 1(4-5), pp. 202-207 |
Peer Reviewed | Yes |
Published | Yes |
Alternative URI | http://dx.doi.org/10.1002/jst.59 |
Research Centre | Centre for Wireless Monitoring and Applications |
Faculty | Faculty of Science, Environment, Engineering and Technology |
Publication Type | Journal Articles (Refereed Article) |
Please use this identifier to cite this record: http://hdl.handle.net/10072/23476
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subset: commoncrawl


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Home > KidsHealth Home
Kids Health Cart Wheels MagazineCoping ClubView All Videos
The hepatitis A virus (HAV) causes fever, nausea, vomiting, and jaundice, and can lead to community-wide epidemics. Childcare centers are a common site of outbreaks.
The vaccine is recommended for children 12-23 months old, followed by a second dose 6-18 months later.
In the past, the vaccine was recommended for older kids and adults who were at high risk for the disease (such as those who lived in or traveled to locations with high rates of HAV). But now it's also recommended for anyone who desires immunity to the disease.
Besides protecting the individual child, vaccination against HAV can help prevent epidemics from developing. Some infected kids do not have any symptoms, but can still spread the virus to others. Having many young kids vaccinated against HAV can limit the spread of the disease in a community.
Side effects are usually mild fever, and tenderness, swelling, and redness at the site of the injection. Allergic reactions to the vaccine are rare.
The vaccine is not recommended if your child:
Your child may have fever, soreness, and some swelling and redness in the area where the shot was given. Pain and fever may be treated with acetaminophen or ibuprofen. Check with your doctor to see if you can give either medication and to find out the appropriate dose.
Reviewed by: Elana Pearl Ben-Joseph, MD Date reviewed: October 2012


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The Catholic Mass is changing, with new rules on standing and kneeling during Communion and instructions on singing, silence and Eucharist bread. The changes come from a new edition of The General Instruction of the Roman Missal
Each issue carries an imprimatur from the Archdiocese of Cincinnati. Reprinting prohibited
By Lawrence E. Mick
A number of changes in the celebration of the Mass are being introduced in Catholic parishes. The reason is a new edition of the General Instruction of the Roman Missal, published in Latin in 2001. Now translated into English and other languages, it has been slightly adapted for various cultures and is now working its way into our parishes.
This document, which forms the preface to the Roman Missal, contains the rules and rubrics for the celebration of the Eucharist. Beyond listing the rules, however, the General Instruction also expresses an understanding of the Mass. The directions given reflect various theological perspectives. Because the document was created by several different committees at different times, it contains perspectives that sometimes seem to conflict with one another.
The General Instruction was first issued in the late 1960s and has been revised several times since then. In addition to the revisions made at the Vatican, the document is also adapted by the bishops of each country. Recent decisions made by the U. S. bishops are included in the version of the General Instruction that is now in use in the United States.
Recent revisions to the General Instruction often reflect different perspectives from those that shaped the original text itself. A good way to understand the revised document is to look at it as a search for balance. No single viewpoint can adequately express the full mystery of the Eucharist, so varying viewpoints can give us a broader and deeper understanding of the Mass.
The implementation of this latest version of the General Instruction offers all Catholics a good opportunity to deepen their understanding of the Mass. It also offers parishes an impetus to evaluate their usual patterns of worship and to improve areas that do not reflect the basic vision of the General Instruction.
Take Your Places, Everyone
One of the concerns reflected in the recent revisions is a desire to clarify the roles of various participants in the liturgy. Some actions that have commonly been done by extraordinary ministers of Communion, for example, are now designated as tasks proper to the priest or a deacon. If you look only at these changes, they seem to be an attempt to highlight the differences between ordained ministers (bishops, priests and deacons) and non-ordained liturgical ministers (lectors, Communion ministers, servers, etc.)
It is important to view these revisions, however, in the context of the whole document. The General Instruction takes great pains to encourage the full participation of the whole assembly in the celebration of the liturgy. While some rubrics stress the role of the clergy, others strongly emphasize the proper and indispensable role of the whole body of Christ gathered for worship.
It is therefore of the greatest importance that the celebration of the Massthat is, the Lord's Supperbe so arranged that sacred ministers and the faithful taking part in it, according to the proper state of each, may derive from it more abundantly those fruits—.This will be best accomplished if, with due regard for the nature and the particular circumstances of each liturgical assembly, the entire celebration is planned in such a way that it leads to a conscious, active and full participation of the faithful both in body and in mind, a participation burning with faith, hope , and charity, of the sort which is desired by the Church and demanded by the very nature of the celebration, and to which the Christian people have a right and duty by reason of their Baptism. (GIRM, #17-18)
The goal is not, then, to return to the era when we thought of the Mass as something the priest did while everyone else watched and prayed their own prayers. The Mass is the action of the whole body of Christ, which is formed by all the members of the assembly, including the priest and other special liturgical ministers. Only when everyone does his or her part fully will we create liturgy that is truly worthy of the God we worship.
The implementation of these latest changes, then, is a good time for all of us to deepen our understanding of the importance of our own roles in the liturgy. The balance we seek does not exalt any one role above the others but values the diversity of roles in the liturgy and treasures each as an irreplaceable part of the community at worship.
Sing Out and Be Quiet
—Another emphasis that recurs frequently in the revised text of the General Instruction is the importance of singing in the liturgy. Many Catholics remember a time when singing by the assembly was not part of our Sunday experience, and many still see such musical prayer as an optional element for those who like to sing.
The General Instruction reveals a very different view of things:
Singing is the sign of the heart's joy (cf. Acts 2:46). Thus St. Augustine says rightly, "Singing is for one who loves." There is also the ancient proverb, "One who sings well prays twice." Great importance should therefore be attached to the use of singing in the celebration of the Mass, with due consideration for the culture of the people and abilities of each liturgical assembly. Although it is not always necessary (e.g. in weekday Masses) to sing al the texts that are of themselves meant to be sung, every care should be taken that singing by the ministers and the people is not absent in celebrations that occur on Sundays and on holy days of obligation. (#39-40)
Singing is the sign of the heart's joy (cf. Acts 2:46). Thus St. Augustine says rightly, "Singing is for one who loves." There is also the ancient proverb, "One who sings well prays twice."
Great importance should therefore be attached to the use of singing in the celebration of the Mass, with due consideration for the culture of the people and abilities of each liturgical assembly. Although it is not always necessary (e.g. in weekday Masses) to sing al the texts that are of themselves meant to be sung, every care should be taken that singing by the ministers and the people is not absent in celebrations that occur on Sundays and on holy days of obligation. (#39-40)
Notice that this passage assumes that some parts of the Mass are meant to be sung by their very nature. Just as reciting —Happy Birthday— at a party rather than singing it makes little sense, so, too with reciting elements like the Holy, Holy or the Great Amen. Some things are just meant to be sung. Notice, too, that the text recognizes that the assembly at a weekday Mass might not sing all the parts that are normally sung, but it presumes that some singing will be part of every Mass. On Sundays and holy days, this is really obligatory. Notice finally that the text speaks of singing rather than of instrumental music. Even when a trained musician is not present, the assembly of the faithful can and should sing some parts of the Mass. All it takes is one person with some sense of music to start the singing (or perhaps to strike one key on a piano or organ to get the right note on which to start).
Singing is important for a sense of celebration. As the document notes, it expresses the heart—s joy. Singing lifts up the words we use and gives them a heightened dignity and beauty, often making them more memorable in the process. Singing also expresses and fosters the sense of unity among those gathered for worship, since all sing the same words at the same time on (at least roughly) the same notes. Singing is the primary way that a group of people can speak with one voice.
A balance to this emphasis on singing in the General Instruction is found in the document—s attention to silence in the liturgy.
Sacred silence also, as part of the celebration, is to be observed at the designated times. Its purpose, however, depends on the time it occurs in each part of the celebration. Thus within the Act of Penitence and again after the invitation to pray, all recollect themselves; but at the conclusion of a reading or the homily, all meditate briefly on what has been heard; then after Communion, they praise and pray to God in their hearts. (# 45)
The rite calls for silence during the penitential rite, before the opening prayer, before the first reading, after the first and second reading, after the homily and after all have received Communion. Taking these directives seriously and allowing enough time for real silence to take hold would do much to help the assembly experience a deeper sense of prayer and a greater awareness of the divine mystery. The General Instruction stresses this goal in speaking of the Liturgy of the Word:
The Liturgy of the Word must be celebrated in such a way as to promote meditation. For this reason, any sort of haste that hinders recollection must be clearly avoided. (# 56)
The General Instruction also encourages silence before Mass begins, which may seem at odds with the need to foster hospitality at worship and to connect with those who are assembling to worship together. Both values can be preserved if hospitality is encouraged as people gather, with a few moments set aside before the opening hymn during which people are invited to enter into reflection as the liturgy begins.
The liturgy described by the General Instruction maintains a balance between singing and other verbal participation and times of silence and reflection. For too long, many Catholics have seen these components of the liturgy as opposed to one another. Properly celebrated, silence complements and supports the other elements of worship. The need for some silence within the liturgy should not lead to less active participation. Singing is essential at its proper times, spoken responses are integral to the liturgy, and silence also deserves its place.
The Body of Christ for the Body of Christ
Some of the more obvious changes in the revised General Instruction concern the Communion rite. Extraordinary ministers are no longer supposed to help break the bread or pour the cups for distribution. Communion under both species of bread and wine is strongly encouraged. The document also strengthens the long-standing insistence that Communion is to be shared from the altar of sacrifice rather than from the tabernacle. Obviously exceptions can be made if distributors run short of bread, but normally the Eucharist reserved in the tabernacle is intended for the sick and for other occasions where Communion may be distributed outside of Mass. During Mass all are supposed to receive the Lord—s Body and Blood from the actual celebration,
so that even by means of the signs Communion will stand out more clearly as a participation in the sacrifice actually being celebrated. (# 85)
All communicants are now supposed to make a bow of the head as a sign of reverence before receiving the Body and the Blood of Christ. In the past, our bishops decided that no special act of reverence would be used at the reception of Communion. Now they have specified that this simple bow will be the proper gesture of reverence. Those who have been kneeling, genuflecting or making the sign of the cross should now join the rest of the assembly in expressing reverence in the same way.
Another dimension of the Communion rite is not new to the General Instruction, but it has often been ignored in practice. The ritual indicates that the assembly is to remain standing throughout the Communion procession. Local bishops have been given leeway, however to permit kneeling or sitting after a person has received Communion.
The general U.S. norm is for kneeling after the Lamb of God (for praying "Lord I am Not Worthy"), though local bishops can indicate otherwise. Then all should stand as the Communion procession forms. Maintaining a common posture while the whole assembly shares in Communion expresses with our bodies the unity that Communion creates among us. For the same reason, the General Instruction notes that the Communion song should begin when the priest receives Communion and continue until all have received. Here again singing expresses and fosters our unity at this moment of our deepest communion with one another in Christ.
These changes in the Communion rite provide a balance in our awareness of the Body of Christ. Some of them remind us of the reverence that is appropriate toward the sacramental elements of bread and wine transformed into the Body and Blood of the Lord. Others remind us that Communion unites us not only with Christ but also with all the members of his mystical body, the Church. Some people want to concentrate only on Communion as a time of connection between the individual and Christ. Others may focus too exclusively on their union with other members of the worshiping assembly. It is never adequate to focus on only one of these dual dimensions of Communion. Proper understanding and appreciation of the Eucharist maintains the clear connection between our union with Christ and our union with the other members of his body, between the sacramental Body of Christ and his mystical body.
Finding Balance in the Parish
The balance of complementary emphases in the General Instruction of the Roman Missal suggests a healthy approach for all members of the church who gather to worship together. It is no secret that there are many different opinions and attitudes toward the liturgy in the Church today. Often disagreements over parish liturgy lead to harsh words and alienation among parishioners or even splits in the parish membership.
The liturgy should be the place where all come together rather than a cause of disunity. Differing opinions and attitudes are not likely to disappear soon, nor is it reasonable to assume that they will ever be absent from Church life. Every family has its arguments and varying perspectives. There is no reason to think the Church family should be any different. The challenge is for us to find a way to worship together and embrace our unity in Christ despite our differences and disagreements.
When we come to worship, we are all required to put aside our own preferences and wishes in order to enter into the worship that Christ himself offers to the Father. Every one of us must surrender to the requirements of the liturgy itself. Here Christ invites us to set aside whatever divides us in order to unite with him in offering his sacrifice to the Father. Here those who hold opposing viewpoints must rediscover what they hold in common if they are to take part in this sacred action.
The Catholic Church has always sought to be broad enough to encompass people of —every race, language and way of life— (see Eucharistic Prayer for Reconciliation, II). It is a Church that embraces a wide variety of styles and spiritualities and customs and opinions. No matter what our background or preferences, the liturgy is the place where we must be able to embrace one another. If we keep our focus on the real meaning of the Eucharist, no matter what— differing perspectives may exist among us, we will find the way to be one body.
Lawrence E. Mick is a priest of the Archdiocese of Cincinnati. He holds a master—s degree in liturgical studies from the University of Notre Dame. He is author of over 500 articles in various publications. His latest books are Forming the Assembly to Celebrate Sacraments and Forming the Assembly to Celebrate Sacraments (Liturgy Training Publications).
NEXT: The Rosary—A Prayer for All Seasons (by Gloria Hutchinson)
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Definición de intensifier en inglés:
Saltos de línea: in¦ten¦si|fierPronunciación: /ɪnˈtɛnsɪfʌɪə
- 1A person or thing that intensifies.Más ejemplos en oraciones
- You can also use it in conjunction with other intensifiers, such as descending sets.
- Flavor intensifiers are being tested as a way to promote weight loss and an alternative diet.
- We've compiled the 10 best intensifiers - proven methods for recharging your progress - and, this month, we'll analyze five.
- 1.1 Photography A chemical used to intensify a negative.Más ejemplos en oraciones
- He later used a silver-based intensifier to enhance the foreground of this famous negative.
- 1.2 Grammar An adverb used to give force or emphasis, for example really in my feet are really cold.Más ejemplos en oraciones
- Some words and phrases used as quantifiers can also be used as intensifiers, as in: much nicer; much less; many more; a little better; a lot older; a lot too old; a bit too much.
- You could argue, of course, that the over- of oversimplistic is chiefly an intensifier.
- It belongs to the class that grammarians call intensifiers.
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Loew's National Theatre
570 Bergen Avenue,
1 person favorited this theater
The Loew's National Theatre is claimed to be the very first theatre that Marcus Loew built himself, after starting his circuit by acquiring a number of existing properties in Manhattan, Brooklyn and the Bronx. The name was a message to the entertainment business that Loew's intended to become a national circuit, and it did. The National Theatre was designed by the architectural firm of Neville & Bagge, with H. Craig Severance as consultant, and first opened in September, 1910, with vaudeville the primary attraction and movies shown only as fillers.
With white marble frontage and a gorgeous Beaux-Arts auditorium, the National Theatre was one of the largest theatres built in the Bronx up to that time. The movies were first-run for the borough until 1929, when Loew's gave that exclusive privilege to the newly-opened Paradise Theatre and shifted the National Theatre and its other Bronx theatres to playing the same programs two weeks later.
The National Theatre was one of the longest lasting of the Loew's Bronx theatres, operating into the early-1970's before being closed and eventually demolished. As far as I know, it was never sub-divided.
Recent comments (view all 14 comments)
Henry Loew, the only brother of Marcus Loew, was the very first manager of the National, and ran the theatre for 33 years, until his death in 1943 at age 66, according to an obituary in The New York Times of 6/15/43. Henry Loew entered the business in 1904 as manager of his brother's penny arcade at 147th Street & Third Avenue in the Bronx, and then ran another Loew's arcade in Manhattan at 23rd Street & Sixth Avenue before Marcus promoted him to the National when the theatre opened in 1910. Marcus Loew died in 1927 at age 57.
I'm a Three Stooges Fan Club member, trying to confirm a personal appearance by the "3" Stooges (Moe Larry and Shemp), on a bill with Wee Bonnie Baker, the Barretts and Don Hooton, after an appearance by the A.B. Marcus Revue. The movie "Queen of Burlesque" was also shown. I have a display ad, but no dates (or town shown). Believe it was the Summer of 1946, and may have been Shemp's first appearance after Curly's strokes. The National was advertised as air cooled and showed a phone number of JA-7863.
Any help will be appreciated.
Thanks Frank Reighter
I would venture that the location of this theater was the east side of Bergen Avenue just south of the intersection with Westchester Avenue. A parking lot now occupies most of this block front from Westchester Avenue and down along Bergen approximately 2/3 of the way to the corner of E 149th Street. The E 149th Street corner is occupied by a vacant and overgrown lot. Department of Buildings records indicate a Certificate of Occupancy was issued on July 26, 1985, for a "public parking lot for 74 private passenger cars" at 570 Bergen Avenue.
The street view above faces the opposite side of Bergen Avenue, down the block near E 149th – south of the theater's site. The correct view can be obtained by turning around to the right and heading north about half a block.
On this first day of spring in 1949, Loew's National treated the Bronx to a vaudeville show, with two performances at 3:30 and 8:30pm. Young Hollywood and Broadway star Tommy Dix was the headliner. Also, on screen, the National presented two Film Classics releases in glorious Cinecolor, "Sofia: City of Intrigue," and "Miraculous Journey."
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By Matt Jenkins Staff Writer
The Salem News
---- — MIDDLETON — Paul Worth didn't have a rah-rah, rally-the-troops kind of postgame speech to deliver to his North Shore Tech/Essex Aggie football team Saturday afternoon.
Worth simply gathered the Bulldogs, expressed his extreme thirst, then dumped the contents of a water bottle onto the Barry Field turf.
The message may have been delivered in an unorthodox manner, but the veteran coach's message was as clear as the spilled liquid.
North Shore Tech/Essex Aggie suffered a loss — its first of the season in a 46-22 setback against St. Mary's of Lynn — but the thirst remains.
"That's all it is, a lost opportunity," Worth said after his team slipped to 4-1.
Of course, if Worth has his druthers, this setback will only push the Bulldogs to become a better team.
The hosts moved the ball well against a bigger opponent from a higher division, but ultimately the game was lost after the Bulldogs' first three possessions.
Knowing that his team's best chance to win was by controlling the ball and the clock, Worth scaled back on his playbook and stuck with power football. In many ways, the approach worked; the Bulldogs chewed up yardage and the clock ran. But despite producing 121 yards of offense on the first three drives, none of those drives resulted in points.
North Shore coughed up a fumble on the St. Mary's 21-yard line to end the first drive, then the next two possessions vanished on failed 4th-and-short situations in enemy territory.
"Normally we convert those (short yardage situations), but they wanted it a little more than we did. That really was the turning point," Worth said. "If we went down and scored and got up on them early, then maybe it's back-and-forth and maybe they make a mistake because the pressure is on them. As soon as the pressure was off them, they stepped their game up."
The Spartans (4-1) responded to each of North Shore's first three possessions by posting points, and by the time halftime rolled around, the Bulldogs were trailing, 22-0.
"It was good momentum. We had great respect for North Shore; they've been putting points up on the board, so we had to play well on defense," St. Mary's coach Matt Durgin said. "I thought we did that. We got key stops at key times."
North Shore Tech/Essex Aggie was left to chase its guests the rest of the afternoon.
Ross Murphy finished with 106 yards rushing and two touchdowns for NST/EA, while teammate Chris Sudak produced 91 yards on the ground, including a 21-yard touchdown run.
St. Mary's, meanwhile, had a pair of 100-yard rushers in Jordan Collier and John Gaeta. Collier had 127 yards on nine carries and three scores, while Gaeta, a fullback, ran for 110 yards on 12 carries with one TD.
"Great teams have lost football games and gone on to win a Super Bowl," Worth said. "You gotta learn from it. You have to convert when you have the opportunity."


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I don't care how it happened, against whom it happened or any of the circumstances around the fact that it happened.
I am simply glad the Broncos experienced that winning feeling again.
After five straight losses and nine losses in the ten previous games, the Broncos just needed to win a game. And they did. Let me take a moment to exhale.
Ahhhhh. Nice. It's good to remember what a Broncos' win feels like. I had nearly forgotten what a Broncos win felt like, even if at least some of the players had not.
"No, not at all, just missed it" Lloyd told 850 KOA when asked if he forgot what it was like to win. "It was definitely a feeling I was longing for. The appetite for winning is insatiable. You're never satisfied no matter how much you win and losing definitely takes a lot of steam out of the team. It's good that we got character guys on this team, guys who are willing to fight when it seems like there is nothing to be fighting for. It was a lot of fun to be out there today."
I don't think it would be a stretch to say it was a lot of fun for Broncos Country to watch what happened against Houston, particularly in the second half. Seeing one's team come back from a 17-0 halftime deficit has a way of brightening up one's day.
The win was good to see for many different reasons. Some of the significant ones include:
1 – THE FUTURE PERSONNEL FOCUS. I saw enough from Tim Tebow to be completely comfortable with him or Kyle Orton as the starting quarterback next season. Because of that, I believe the Broncos can confidently move forward with the number one priority being to build the defense. Close behind as the number two priority is to fortify the offensive line.
Tebow and Orton have shown me that they are good enough to be quarterbacks who could get the Broncos into the playoffs. While neither might be considered elite at this point in time, they are good enough to get the job done if the defense and the running game improve.
2 – THE BRONCOS HAVE SOME TALENTED PLAYERS. I'm not going to sugarcoat the fact the Broncos need a serious personnel upgrade at more than one position. That is clear. At the same time, it is often easy to think a team no good players when a season goes south.
I was encouraged to see some guys make some plays, especially in big situations. Clearly Tim Tebow did that. Brandon Lloyd continued to do that. Justin Bannan did that. And there were others, too.
3 – IT IS NEAT TO SEE A GOOD MAN SUCCEED. Interim head coach Eric Studesville has stepped into a difficult situation and handled it with the class of a true professional. His focused yet friendly personality has been exactly what the organization needed after nearly two years of upheaval.
By all accounts, Coach Studesville is showing himself to be a darn good coach, too. I root for people like him. He has been businesslike yet outgoing, intense yet approachable, and throughout the last month, positive to the core.
I don't know what the chance is he will be the Broncos' next head coach. The common thought seems to be that the organization will go in another direction. If that's the case, I sure hope there is a place for him on the new staff if he wants to remain with the Broncos.
I hope the win over the Texans was a first step in the Broncos organization going in another direction from the one we have seen in 2010. If it is, the organization and its fans may not soon forget that winning feeling.
Thanks for reading and sharing your thoughts. I wish you and your family all the best in 2011.
Tags: 2010, Brandon Lloyd, Denver Broncos, Houston Texans, Justin Bannan, Kyle Orton, Mike Rice, Tim Tebow, Week 16


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Government Policies and Programs to Eliminate the Worst Forms of Child Labor
The Government of Guyana seeks to discourage children from joining the workforce by offering school welfare subsidies to poor families.[1147] The government drafted a five-year National Educational Plan that includes improving strategies for access to education, and several government education projects target rural populations.[1148] UNICEF is also implementing an education development program that includes teacher training.[1149]
Incidence and Nature of Child Labor
Statistics on the number of working children under the age of 15 in Guyana are unavailable. However, children work in agriculture (mainly on family farms), domestic service, sawmills, street vending, river mining, and textile factories.[1150] The prostitution of children also occurs, particularly in tourist areas.[1151]
Primary education is free and compulsory for 6 years, beginning at the age of 5 years, 9 months.[1152] In 1996, the gross primary enrollment rate was 96.4 percent, and in 1995, the net primary enrollment rate was 87.3 percent.[1153] Attendance rates are slightly lower among rural populations.[1154]
Child Labor Laws and Enforcement
The Employment of Young Persons and Children Act of 1999 sets the minimum age for employment at 15 years. Children under the age of 18 are prohibited from work that could jeopardize their health, safety, or morals.[1155] The Constitution prohibits forced labor.[1156] While there are no laws that specifically prevent trafficking in persons or prostitution, the Criminal Code of Guyana prohibits procuring a female for the purpose of prostitution.[1157] The Criminal Law Offenses Act establishes a relatively young age of consent for sexual relations at 13 years.[1158] The Ministry of Labor is responsible for the enforcement of child labor legislation through inspections.[1159] Guyana ratified ILO Convention 138 on April 15, 1998 and ILO Convention 182 on January 15, 2001.[1160]
[1147] Earl Boatswain, Guyana Ministry of Education, interview by USDOL official.
[1148] Guyana Human Development Report 1996, UNDP, at http://www.sdnp.org.gy/undp‑docs/ghdr/ on 10/18/01. Projects include the Parent Education Participation Project and the Escuela Nueva Project. The government also implemented a Primary Education Improvement Project with a loan from the IDB. See also UNESCO, The Education for All (EFA) 2000 Assessment: Country Reports—Guyana [hereinafter EFA 2000 Assessment], at http://www2.unesco.org/wef/countryreports/guyana/rapport_2html on 10/18/01.
[1149] The Education for Development News Bulletin, November 1999, vol. 10, no. 2, at http://www.unicef.org/pdeduc/education/pdf/edev_nov99_ccrc_eng.pdf on 10/18/01.
[1150] UN Committee on Economic, Social and Cultural Rights, Implementation of the International Covenant on Economic, Social and Cultural rights, Initial Reports Submitted by States Parties Under Articles 16 and 17 of the Covenant, Addendum, Guyana, para 62, E/1990/5/Add. 27, June 7, 1995.
[1151] Human Rights Report on the Trafficking of Women and Children: Guyana, The Protection Project Database [hereinafter Human Rights Report], at http://www.protectionproject.org. See also "CSEC Overview: Guyana," ECPAT Database, at http://www.ecpat.net/eng/ecpat_inter/projects/monitoring/online_database/index.asp on 10/18/01.
[1152] Guyana, National Development Strategy, Vol. 3: The Social Sectors, at http://www.guyana.org/nds/nds.htm on 10/18/01.
[1153] World Development Indicators 2001 (Washington, D.C.: World Bank, 2001) [CD-ROM].
[1154] UNESCO reported that attendance rates in the "hinterland" regions are about 10 to 15 percent lower than the national average, which is attributable to inaccessibility of schools, particularly during the rainy season. See EFA 2000 Assessment.
[1155] U.S. Embassy-- Georgetown, unclassified telegram no. 999, October 2001 [hereinafter unclassified telegram 999].
[1156] Constitution of Guyana (1980), Article 140(2), at http://www.guyanaguide.com/constitution/ on 10/18/01.
[1157] Criminal Code, Article 73, as cited in Human Rights Report.
\[1158] Criminal Law Offences Act at Chapter 8.01, Section 61, as cited in Interpol, "Sexual Offences Laws: Guyana," at http://www.interpol.int/public/children/sexualabuse/nationallaws/csaguyana.asp on 10/18/01.
[1159] Unclassified telegram 999.
[1160] ILOLEX database: Guyana at http://ilolex.ilo.ch:1567/english/ on 10/18/01.
NOTE: Hard copies of all Web citations are on file.


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Top award for Ithmaar project websiteIthmaar Development Company (IDC) has won the 2013 Arabian Property Award for its Dilmunia at Bahrain website at the International Property Award gala in Dubai. Dilmunia at Bahrain is a mixed-use project built on a man-made island More… |
Ithmaar announces key appointmentsIthmaar Bank, a Bahrain-based licensed Islamic retail lender, has announced three key appointments in its management structure. As part of the revamp, Abdul Hakeem Al-Mutawa is the new general manager and head of retail and More… |
Ithmaar inks MasterCard ATM dealIthmaar Bank, a Bahrain-based Islamic retail bank, said it has signed an agreement to allow holders of globally-issued MasterCard credit and debit cards to use the bank's ATMs. The Islamic retail bank said this allows all Mast More… |
Ithmaar announces key appointmentsIthmaar Bank, a Bahrain-based licensed Islamic retail lender, has announced a major revamp in the organisation with the appointment of three key executives. Unveiling the n More… |
Ithmaar chief honouredDar Al Maal Al Islami (DMI) Trust, Ithmaar Bank's largest shareholder, hosted a reception for members of the group's senior management at the Ritz-Carlton Bahrain Hotel and Spa to honour Mohammed Bucheerei, who retired last month. More… |
Ithmaar Bank CEO to retireBahrain's Ithmaar Bank said chief executive Mohammed Bucheerei will retire at the end of August and be replaced by Ahmed Abdul Rahim, currently general manager, as acting head. Bucheerei led the bank's More… |
Ithmaar Bank names acting CEOBahrain-based Islamic retail bank Ithmaar has named its general manager Ahmed Abdul Rahim as the acting chief executive officer effective September 1 in place of Mohammed Bucheerei who retires on August 31. Lauding his services, I More… |
Ithmaar backs BAB meeting in USIthmaar Bank, a Bahrain-based Islamic retail bank, will support the Bahrain Association of Banks (BAB) in hosting a major event in the US to promote the kingdom as a key financial hub in the Middle East. BAB is set to host the upc More… |
Ithmaar swings to $1.4m Q1 profitBahrain-based Ithmaar Bank said it has returned to the black with a net profit of BD540,000 ($1.4 million) for the first quarter compared to a loss of BD170,000 in the same period last year. The Islamic lender pointed out that its More… |
Basel reserves rule 'to hit smaller banks'The international regulations demanding that banks increase their reserves over the next few years could see smaller institutions in the Middle East and across the developing world killed off, said Ithmaar Bank chairman Prince Amr Mohammed Al Fa More… |


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this this will be my first test booster but I've taken Arabol and liked it (not the price tho). X Factor from what I've seen is supposed to be better?
this this will be my first test booster but I've taken Arabol and liked it (not the price tho). X Factor from what I've seen is supposed to be better?
Try to find XFactor Original.Advanced is the weaker version due to it having omega 3's. Which alot of ppl dont know why it was added.Originally Posted by GETBIGG
Also get yourself glycergrow by Controlled Labs or some form of GMS.
Other words your set to have a nice run
XFA is weaker? I've tied the OG and didn't see much from it. My XFA run has been great though.Originally Posted by Jay888999
Mostly strength with some size gains.
Well guess it hit eveeyone diff...Supposably due to the fish oil it makes it less affective. I have jward both ppl say both,so it depends the person i guessOriginally Posted by pixeljr
Take it pre workout with ara..just dump gms powder in your mouth and wash it down wirh juice water gatorade whatever.Originally Posted by GQNemesis
3scoops pre workout as directed, along with LCLT ( L Carnitine L Tartrate),ARA and Agmatine.All preworkout.
In case it helps I take glycergrow by dumping it into a cup with a little water, swirl it around and drink. Works each time.Originally Posted by GQNemesis
I hated dumping the powder in mouth and drinking water afterwards.
6-8 ara pills and 3 scoops gg pre workoutOriginally Posted by GQNemesis
Either way is fine.Originally Posted by GETBIGG
Product Educator
USPlabs | Ultra-Premium Sports Supplements
i got my daa and erase in the mail today but I'm still waiting on the XFA. i was wondering if you guys have any suggestions on timing and when to take these supps ? some people say to start the erase about a week into the daa when the effects start to kick in then then continue for a week after. i plan on taking two tubs of daa and two bottles of erase and i ordered the 200 count XFA so that'll be 50 days
Amino-IV - Not Your Average Amino
SELECT Protein - Ultra-Premium Blend
ALPHAMINE - Thermogenics...Redefined
GMS i take pre workout,along with a few other things.
Agree with this. If you know where to look you can get 200ct for $78.Originally Posted by Jay888999
Yes.Me specifically,found the Deal of the Day and made the best of it. Id look to try n find this deal by months end.Originally Posted by uvawahoowa
$78.00-- 200 ct-- OG.XF.ARA & Glycergrow $26.00
We on the same page here ?


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Search Events
West Wind Public Market
- 6 a.m. to 2 p.m., West Wind Drive-In Theater
Ocean Ducks Swim
- 9 a.m., Butterfly Beach stairs
Yoga with a Rope
- 9 a.m. to 10 a.m., 1213 State Street, Suite L ($13)
World Dance Workout
- 9:15 a.m. to 10:30 a.m., S.B. Dance Ctr. ($10)
Hatha Yoga
- 9:30 a.m. to 10:45 a.m., Alice Keck Park Memorial Gardens
S.B. Arts and Crafts Show
- 10 a.m., East Beach
Chenrezig Tibetan Buddhist Chanting
- 10 a.m., Vairotsana Foundation (Free)
Goleta Farmers Market
- 10 a.m. to 2 p.m., Camino Real Marketplace
Cachuma Lake Eagle Cruise
- 10 a.m. to noon, Cachuma Lake ($7 - $15)
S.B. Friends Meeting for Worship
- 10 a.m., 2012 Chapala St. (Free)
Stow House Guided Tour
- 1 p.m. to 4 p.m., Stow House ($8)
Intro to Rock Climbing
- 1 p.m. to 3 p.m., S.B. Rock Gym ($40)
Trivia Night
- 5:30 p.m., Brewhouse
Chris Fossek
- 6 p.m. to 9 p.m., Blush Restaurant and Lounge
Contra Dance
- 6 p.m. to 9:30 p.m., Carrillo Ballroom ($5 - $10)
Argentine Tango Class
- 6 p.m., S.B. Dance Ctr. ($15)
Overeaters Anonymous
- 6 p.m., Unity Church (Free)
Codependents Anonymous
- 6 p.m., Rabobank Plaza, 914 S Carpinteria St. (Free)
- 6:30 p.m., James Joyce (Free)
Sex Addicts Anonymous
- 7:30 p.m. to 9 p.m., Call for location. (Free)
Service Industry Night
- 8 p.m., Sandbar (Free)
Red Room with DJ Gavin Roy
- 10 p.m., Wildcat Lounge
Sunday, January 27, 2013
5th Annual S.B. Community Seed Swap
Bring seeds, plants, cuttings, and garden knowledge to swap with other locals and pass on to future generations.
11 a.m. to 3 p.m., S.B. Central Library (Free)
Antiques Vintage Show & Sale to Benefit CALM
Show and sale will bring dealers from across the western US
11 a.m. to 5 p.m., Earl Warren Showgrounds (Free - $6)
Feast for the Children
Via Maestra 42 restaurant teams up with First United Methodist Church to host this benefit lunch for the children and families of Haiti.
11:30 a.m. to 3 p.m., First United Methodist Church ($10 - $25)
Barney Brantingham, a journalistic presence in Santa Barbara for more than 30 years and weekly columnist in the Indie, will speak about his experiences with libraries, from his hometown in Chicago to his own bookshelves.
2 p.m., Goleta Public Library (Free)
Elements Theatre Collective presents Liz Duffy Adams' Restoration Period farce.
2 p.m., Carpinteria Women's Club (Free)
Chamber Music Concert
Award-winning cellist Virginia Kron and renowned pianist Miriam Arichea will perform works by Bach, Faure, Bartok and more.
2 p.m., Ojai Center for the Arts ($8 - $10)
The Skin of our Teeth
Thornton Wilder's classic comedy follows the Antrobus Family as they survive the Ice Age, the Great Flood and the Apocalypse, all by the skin of their teeth.
2 p.m., Ojai Center for the Arts ($15 - $18)
Vancouver Symphony Orchestra
Bramwell Tovey will conduct Jon Kimura Parker on piano and the rest of the symphony.
4 p.m., Granada Theatre ($38 - $88)
The Perks of Being a Wallflower
The Ojai Film Society presents this coming of age story about an outsider teen.
4:30 p.m., Ojai Playhouse ($7 - $10)
Winemaker Dinner at Cadiz Restaurant
Enjoy a four-course meal paired with California-grown Spanish-style wines with winery owners of Metate Hill Vineyards Michael and Sierra Stange.
6 p.m., 509 State Street ($75)
BYOB Wine and Dine at Max's Cucina
Bring your own bottle and pass it around -- enjoy a meal with no corkage fee and taste the best the community has to offer.
6 p.m. to 9 p.m., Max's Restaurant ($50)


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This product is perfect for my fine, thick, dry hair. I follow with the Clear Moisture Conditioner which rinses out well. As mentioned, the bottle leaves something to be desired in getting the last 20% of the shampoo out.
1 out of 1 people found this review helpful. Did you? Yes No
I have thin hair that gets oily pretty quickly with a lot of hair products. And I have been finding lately my scalp has been having negative reactions to a lot of cheap hair care products, ie dandruff and breakage at tips. With Redken clear moisture I only have to shampoo/condition hair every other day. I find it i put the conditioner only on my ends my hair tends to get less oily at the roots. The shampoo washes out really easily. I get right down there with my shower nozzle. I find if i don't take the time to rinse out anything from my hair I get a little flaking on the scalp. I don't use any other products on my hair and I only use a hairdryer every other day. So my hair is in pretty good condition. OVERALL, I LOVE THIS PRODUCT. I shampoo/condition before bed and even when I wake up in the AM it is still bouncy and quite soft. Really great quality product. Not greasy at all.
After using this product for a little while now I am noticing my hair has become ++QUITE FUZZY and it is full of static. What the heck. I cannot return it because I have been using it too long. I will have to put it on the shelf with my other failed shampoos. The search continues for the best shampoo.
I think this shampoo is fine. But I have tried better - both from Redken and from other brands. Can leave my hair static. Not particularly fond of the smell, either...
LOVE LOVE this shampoo! It's my HG and keeps my fine hair so healthy and shiny. I have to shampoo nearly every day as my hair gets oily at the roots quickly, plus I am at the gym most mornings so can't get around it! Doesn't weigh down your hair, cleans well without stripping so perfect for daily use. The conditioner is also great and they work perfectly together. Pricey if you buy from a salon but it is readily available online so ends up cheap as a bottle lasts me 5-6 months minimum.
More reviews by kristlovesmakeup
LOVE redken in general. this is my favorite shampoo from them that i've tried. i've tried all soft and smooth down as well. (there all great though) i also love redkens deep fuel packets. but anyway i haven't used this for awhile but i remember loving it. buy it!!!
More reviews by glossychiquita
I always repurchase this when I'm running low. I have thick hair but I have a very dry scalp and the medicated shampoos leave my thick hair like gross straw. I always alternate with this gentle shampoo that keeps my scalp and hair moisturized. My thick heavy hair feels light, wispy and gorgeously shiny! I love it!
I've been using this shampoo for almost a year, and it keeps my hair so healthy and shiny. Whenever I try a different shampoo, my hair is a frizzy, tangled, dry disaster. And after like 10 months of using Clear Moisture almost every day, I still have a third of a bottle left.
I wash my hair every day because my hair is baby fine and gets oily after less than a day. This shampoo lathers really well, doesn't weigh my fine hair down yet doesn't make it dry either, makes my hair color look really bright and shiny, and best of all, it keeps my curly/wavy hair from being frizzy, which is my biggest problem.
I don't really like the flimsy plastic bottle, and the shampoo doesn't really have a scent, but it is my HG shampoo.
I don't know why salons keep pushing Redken. They over price it for one. None of their products really do much. You can get it in stores now for a decent price but it is no better than say Suave. It left my hair limp and not really that moisturized.
I have fine wavy hair, but a lot of it. It tends to get frizzy and can get really oily at the roots quickly if I use the wrong product formula. I decided to try both the shampoo and conditioner in the Clear Moisture formula. I like them both pretty well.
Before swithing to Redken I was using Back to Basics Apple Ginseng. As soon as I washed my hair for the first time with Clear Moisture I could tell an immediate difference. My hair was so soft and smelled clean, not overly perfumed. I didn't realize how coarse my hair felt when I was using Back to Basics untl I switched to this product.
The scent is not floral or fruity, which is nice. It reminds me of the old Gap scent, Simply White.
I do notice that my hair is still a bit frizzy when I let it dry to its naturally wavy state, but it looks lovely when I use my flat iron. I like the blue color of the bottle, but it is strange that the conditioner is a smaller size than the shampoo.
Overall, it is a pretty good product that I would repurchase.
2 out of 2 people found this review helpful. Did you? Yes No
I really like this shampoo. I have thick fine hair which I color and that gets oily if I don't shampoo every day. This shampoo wins top points for its very subtle but lovely smell, its gentleness and the way it makes my hair feel (soft & luscious). I have repurchased this and will continue to do so.
There are only two things I don't like about the product. The first is the bottle. Like many shampoo bottles out there, it becomes harder to get the product out when you are down to the last 20%. You can't stand the bottle on its head because it is narrower on top and will topple. I lie mine down which only half solves the problem. The other thing I don't like/wonder about is the fact that the conditioner comes in a smaller bottle than the shampoo. Shampoo size is 300 ml and conditioner size is 250 ml. I get it that I should use a small amount of conditioner, but come on--16% less than my shampoo amount. Redken--pls make conditioner bottles the same size as shampoo bottles. it will save you in production costs.
2 out of 2 people found this review helpful. Did you? Yes No


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Alumni Days
Come visit your alma mater and reconnect. Take a memorable stroll, see old friends, enjoy the Alumni Days activities, and find out how the University has progressed in recent years. Fond memories and rekindled friendships await you at Manchester University Alumni Days!
The 2014 Alumni Days will be held on May 28-29, 2014.
Reunions will be celebrated for the classes of 1944, 1949, 1954, 1959, and 1964.
See photos from Alumni Days 2013 >
2013 Alumni Honor Award and Distinguished Honor Award recipients >
See class reunion photos from Alumni Days 2013 >
Be sure to check out all of the reunion photos from Homecoming and Alumni Days.
Questions? Contact the Alumni Office
(888) 257-2586 email@example.com


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Photo: Robert Trachtenberg Q: What products do I need to manage my dry, frizzy, end-of-summer hair?
A: I like to imagine that you earned your dry, frizzy, end-of-summer hair spending languid beach days reveling in sea breezes and driving around town in your convertible, top down, your hair streaming in the wind, wild and free. But maybe your hair is simply overwashed and suffering from the split ends we all get from time to time. In either case, to whip it back into shape, wash it with an antifrizz, moisturizing shampoo, says Kattia Solano, owner of the Butterfly Studio salon in New York City. (Try Fekkai Silky Straight Ironless Shampoo, $23; Fekkai.com.) Postshampoo, twist all the water out of your hair, section it, and work a generous amount of conditioner through each section. Leave the conditioner in for five to ten minutes and then rinse. (We like John Frieda Smooth Start Repairing Conditioner, $6.50; drugstores.) Once a week apply a preshampoo oil treatment, put on a shower cap, and keep it on for as long as you can stand it. Moisturizing treatments and regular trims should get you looking sleek again in a couple of months. Ask Val a question or find out how to return stained nail tips to their normal color From the September 2010 issue of O, The Oprah Magazine


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Since the early 1880's the first Monday of September has been recognized as a time to salute America's workers with picnics and parades on "a day off for the working man." With school starting after the Monday, September 5 holiday, the long Labor Day Weekend is an ideal time to squeeze in some last-minute summertime fun.
Enjoy the state's second largest city, great summer events and unusual destinations.There's so much to see in West Central Michigan with just one tank of gas!
You'll find public access to beaches at pocket parks and at miles-long stretches of Great Lakes shoreline.
Take advantage of a few more weeks of summer and treat the kids to a Michigan fun adventure at amusement parks, museums and over a dozen zoos throughout the State.
At last, the official start of summer has arrived. Venture outside your backyard for dozens of ways to celebrate the holiday form parades and historical events to enjoying electric sound waves. Plan a one day or a whole weekend getaway at a charming B & B, or camp under the stars at one of our 98 state parks or other scenic spots across both peninsulas.
Every year there are new sights to see and places to visit that complement the natural attractions across Michigan. Here's a sampling of what's hot for 2011 in lodging options, dining spots and milestone anniversary celebrations.
All paddles are pointing to Newaygo for the National Canoe & Kayak Championships.
Information on winter activitiesMore
Join 500,000 other people who receive the free Pure Michigan e-newsletter. View the Current Issue
Get the Official


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with Neil van Niekerk
Follow expert wedding photographer Neil van Niekerk on a wedding-day photo shoot and learn the best strategies for working with a large group in a small window of time. Conquer the dreaded shot list with a family diagram––at a glance, you'll be able to decipher family politics, relationships and what shots you still need to take. Discover how to anchor your shots around the wedding couple, and delve into sequencing strategies that will make your session run smoothly. Explore Neil's go-to setups for big groups, and confidently direct both men and women with natural, versatile poses. Create warm, flattering lighting indoors and out with simple flash and modifiers. Plus, learn shot-saving post-processing techniques to fix closed eyes and remove distracting glare from glasses.
Meet Neil, an experienced wedding photographer whose methods and process will help you work more efficiently and achieve the results you (and the bride) want.
I have taken a lot of online classes. As an educator, I have trained to become an online teacher. Craftsy has the best instructors, layout, lesson plans and videos of what is currently available on the internet now
Way to go Craftsy!
- guidance4u


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An offshoot brand of Ginkana, Spain-based dudu has been dressing little ones since 1972. Over the years, they've continued to provide customers with quality craftsmanship. Despite growing as popular as they have, they've never lost sight of their clothing identity. Blending distinct textures, classic prints and modern designs, dudu apparel is always undeniably unique.
Splendiferous! Share your favorites and earn zulily credit. see detailsconnect


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Safe Schools Politics
What can/should be done in Washington to improve school safety?
51% | Require all schools to meet national security standards. | ||||||
17% | Provide more money to troubled schools. | ||||||
10% | Pass new laws. | ||||||
22% | Nothing. It's a local problem. | ||||||
825 Total votes cast. |
Top Polls:
Rewarding Good GradesIs it okay to reward good grades with cash?
Family History
How much do your kids know about their ancestors?
If your child were the victim of a bully, what would you do first?
Thanksgiving Main Course
What's the main course for your family's Thanksgiving feast?
Spanking at School
Would you support a policy of corporal punishment at your child's school?


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Find out what's going on in Abilene & the Big Country. Enhanced calendar and more »
Photo courtesy of John Pennington McMurdo Station, Antartica, 1969
Photos taken during John Pennington's year-long Naval assignment at McMurdo Station in Antarctica in 1969. All photos courtesy of John Pennington.
Feels Like: 82°
Humidity: 17%
Precip: 0%
Feels Like: 50°
Humidity: 47%
Feels Like: 52°
Humidity: 33%
What do you think rattlesnake tastes like?
Game wardens develop special relationships with landowners
Spivey, Demeyere lead ACU past Texas-Arlington in baseball
Abilene, Big Country and Texas High School Football at its best.
Nominate a junior from an Abilene or Wylie ISD high school by March 14th
Get up-to-date severe weather info anywhere. Download for iPhone or Android


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- Home
- About OUS
- OUS Vision and Goals
- Chancellor's Office
- Campuses & Centers
- Governance and Reform
- Diversity & Community Engagement
- Doing Business with OUS
- Employment Opportunities
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- University Presidents
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University Venture Development Fund
Transforming today's research and development into tomorrow's businesses
Oregon's university venture development fund will help transform today's research and development into tomorrow's businesses, ensuring that new and nascent technologies emerging from university laboratories will have a better chance than ever to become commercially viable.
The idea is simple: the Venture Development Fund provides an unprecedented tax incentive for donors who choose to support commercialization of promising university discoveries and campus-based entrepreneurial education by contributing to university venture development funds at Oregon University System (OUS) campuses and Oregon Health & Science University (OHSU).
Here is additional information on the Fund, including university contacts:
- Informational Brochure and university contacts, University Venture Development Fund
- Executive Summary of tax credit information for Oregon donors
- FAQs on the University Venture Development Fund
- Tax Credit Certificate Application Form
- Press Release on Launch of Venture Development Fund, 10-04-07
Supporting our universities through gifts to these venture development funds is a way to build vibrant Oregon communities, grow the economy, improve education, and achieve a better future for all Oregonians.
Participating Oregon Universities:


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Avalon Burbank - Apartment Rentals in Burbank, CA
Avalon Burbank Apartments Description
Elegant and sophisticated, Avalon Burbank apartments presents newly renovated one bedroom, one bedroom with penthouse loft, two bedrooms two bath with penthouse loft and three bedrooms two bath apartments available for immediate occupancy. These newly renovated Burbank homes feature gourmet kitchens with granite counters, black appliances, and new cabinetry.
Pet Policy
Cats and Dogs are allowed. Maximum number of pet(s): 2. Other pets are allowed: cats and dogs Policy: $500 additional security Deposit for Cats and Dogs. $50 Pet Rent per pet for Cats and Dogs.2 pets per apartment max .
- Pool
- Spa
- Fitness Center
- Sundeck
- High Speed Internet Available
- Near Public Transit
- Rec Room
- BBQ/Picnic Area
- Within a half mile of a bus line(s)
- Outdoor fireplace and barbecue area
- Weight training rooms
- State-of-the-art cardio
Avalon Burbank
350 South San Fernando Blvd
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Search Nearby Zip Codes
Apartment Rentals Near Burbank, CA
- The Woods 316 North Maple Street Burbank, CA 91505 Phone Number: (855) 908-4317
- Kenwood Mews 230 N Kenwood St Burbank, CA 91505 Phone Number: (855) 631-2773
- Ava Burbank 401 N. Pass Avenue Burbank, CA 91505 Phone Number: (818) 351-5436
- 1200 Riverside 1200 W. Riverside Drive Burbank, CA 91506 Phone Number: (818) 237-9148


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Crystal Palace Yarns Free Patterns Indie Patterns Shop List Yarn Cards What's New?
Panda Silk52% bamboo |
The bamboo gives a great feel and a luster, the wool gives a soft feeling core
and the combed silk gives it sheen and strength.
Colors of Panda Silk are shown below
See Panda Silk
patterns here
6 New Colors
for Spring 2013 - 3 solids + 3 prints
Below is a Panda Silk lace scarf knit with 2
balls of Panda Silk.
The free pattern is
Retail shops in the USA should contact CPY Wholesale for information on
purchasing Crystal Palace Yarns.
Crystal Palace Yarns, 160 23rd Street, Richmond, CA 94804
phone: 510-237-9988, fax: 510-237-9809
Email: cpyinfo -at- straw.com (replace the -at- with @)


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Stories for September 6, 2012
Governor's Travel Ban Saved State $85 Million
Gov. Jerry Brown's travel ban has saved California taxpayers at least $85 million since he took office, state officials announced Thursday.
San Diego Superior Courts To Close At Noon On Fridays Starting Tomorrow
Starting tomorrow, all San Diego Superior Court business offices will close at noon on Fridays.
City Attorney Goldsmith Endorses DeMaio For Mayor
City Attorney Jan Goldsmith endorsed Councilman Carl DeMaio for mayor today, calling him someone who can take the city of San Diego "to the next step.''
Tests Show Majority Of People Arrested In San Diego Are High On Drugs
Annual tests of inmates in San Diego county jails indicate well over half the people brought into custody test positive for illegal drugs.
Filner's New Education Plan Touts Coordination Between City, Schools
The city of San Diego doesn't have much power over the local school board. But a lot of voters have kids in school, so it becomes an issue politicians weigh in on.
Environmentalists Disappointed With California's Legislative Session
Environmental advocates say the best thing that can be said about California's recent legislative session is that major environmental laws weren't gutted.
Environmental Groups Still Concerned About Moth Spray Chemical
Despite a recent court ruling allowing California to continue chemical treatments to control an invasive moth, environmental groups say they're still concerned.
Broadway Or Bust
PBS is bound for Broadway with a three-part documentary series that tracks the real-life stories of America's top high school musical performers, vying in the ultimate competition to find the nation's best young theater stars. Part competition, part performance and part non-fiction drama, the event starts in regional theatrical programs, where judges around the country select the best performers in the country.
Screenings: Limited Run Films
Art Fair Relocates To Balboa Park
The Art San Diego Contemporary Art Fair is the place for galleries and artists to vie for the attention of local art collectors. This is the fourth year for the fair, which has changed locations three times. KPBS arts reporter Angela Carone says the art fair will be held in the city's cultural heart - Balboa Park - in a little-known building used for competitive badminton.


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From the celtic, magical and uplifting to the relaxing, whimsical and heart touching ... life is about all this; so is our show! *******(updated Sep3,2006-more music!)
Music of a fantasy nature to send your imagination to great heights!
♪♫•*è*•Ã¸♥♥ø•*è*•♫♪WELCOME TO THE POETIC AND MAGICAL WORLD OF MUSIC~::*::~JUST RELAX AND LET ♪NEW AGE RHYTHMS♪ TAKES YOU TO YOUR DREAMS, HELP YOU TO CONCENTRATE ON YOUR WORK~::*::~New Age, Ambient, World Music at its best by Nesli♪♫•*è*•Ã¸
New Age, Meditation, Ambient, Classical, Ethereal and Electronic Music
Call Me
The Best in WUMB's Celtic Music, with Gail Gilmore - from Boston
Playing new age and pagan spiritual music from artists such as Aeone, Tim Janis, Gale Revilla, etc.
Fantasy, Folklore and Myth
kells Waters play list
From hearty jigs to serene new age...From Ren faires and Festivals to the movies...From pianos to pirates...A bit of everything at Wayfarer's Way! Over 30 hours of music!
Get ready to be transported to Planet Tranquil!!! Planet Tranquil plays music that is peaceful, serene...music that relaxes the soul! Christian New Age
Here you will find Celtic music and song created in the Gaelic tradition of the Highlands and Islands of Scotland. Enjoy your visit and come back often!
Diverse Celtic and Celtic-inspired music, with a fairly heavy leaning towards traditional and instrumental music.
New Age, Native American, Meditation and Music Therapy to relax your mind, body and spirit..
Music of the Mind and Imagination; of Space and Time and everything inbetween...


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Snowmobile Trail Status as of March 10th.
Here are the latest updates we have received in regards to area snowmobile trails:
Richland County trails are closed.
Muscoda trails are closed.
Sauk County trails are closed. (Call 985-4766 for latest Sauk Co. updates)
Boscobel trails are closed
Crawford County trails are closed.
Vernon County trails are closed.
Frozen Pipe Prevention
Due to extreme winter weather, the following villages and cities are asking their residents to run a pencil size stream of water from a faucet to prevent pipes from freezing: Spring Green, Sextonville, Lone Rock, Plain, Viola, Avoca, Blue River, Muscoda, and Richland Center. Local officials would like customers to check that the water is constantly on, just in case it was turned off by mistake. A few municipalities have announced that if pipes freeze due to water not being run, the cost to thaw the pipes is the total responsibility of the homeowner.
Valentine's Day is Coming
Submit Your Birthdays and Anniversaries On-Line
It's a treat for us to be able to pay tribute to our friends and neighbors when it's their birthday or anniversary. You can now submit your information on-line.
Birthdays and Anniversaries
Use this link to open our annual EEO Public File Report as an Adobe PDF file.


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Verizon and HTC's latest twist: The $199 Droid DNA
The companies unveil the device during a New York event. The DNA features a 5-inch screen and other high-end specs and goes on sale November 21 for $200 with a two-year contract.
The phone, the Droid DNA, sports a 5-inch screen, putting it more in the "phablet" category with Samsung's Galaxy Note. It runs on Android 4.1.1 Jelly Bean and includes a boatload of powerful features, including a Super LCD 3 display with 440 pixels per inch, capable of playing 1080p HD video.
HTC noted the screen rivals traditional HDTVs, while the pixel density is among the highest available on any smartphone. The iPhone 5's Retina display, for example, is 326 pixels per inch.
The device runs on a quad-core, 1.5Ghz Snapdragon processor from Qualcomm, with 4G LTE integrated on the same piece of silicon as the application processor. Having one chip instead of two improves battery life.
The phone is also capable of wireless charging and full HD video chat. The device has an 8-megapixel rear-facing camera and a 2.1-megapixel camera in the front. HTC noted its phone features HTC ImageSense and HTC ImageChip to create faster image processing and better quality photos, as well as a quick-launch camera option.
The Droid DNA also has Beats audio and two amplifiers, one for headphone and one for speaker. And it's equipped with near-field communications technology to share music and other content by tapping other NFC-enabled devices.
Droid DNA goes on sale on November 21 for $199.99 with a two-year contract. Pre-sales begin today. The phone is available exclusively through Verizon.
The Taiwanese handset maker really needs a hit phone. Previously the darling of the smartphone world, HTC has been having a tough time lately. Samsung and Apple are dominating the industry's profits and market share, leaving little for HTC, Motorola, Nokia, and other handset vendors. HTC also has faced litigation, though it reached a settlement with Apple a few days ago.
The company has said it plans to go bolder with its messaging to consumers and the media, relying less on joint marketing campaigns with the carriers and standing more independently to tell the HTC story. It also has said it would try to generate buzz through social media and by seeing out influential celebrities and "superfans" for endorsements. So far, it's unclear whether such steps are paying off.
Updated at 8:25 a.m. PT and again at 9:05 a.m. PTwith additional details about the phone.


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Adam Levine, CeeLo Green, Christina Aguilera, Blake Shelton
After months of performances, The Voice is finally ready to reveal Season 3's Top 12 singers on Thursday. This elimination is far more crucial than in years prior since, for the first time, there is no guarantee that every coach's team will have a slot in the finals. So who has the pipes to make it to the top? Check out our picks below: read more
You might be also interested in the following websites:


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Here's Mission's full press release:
With the ongoing concern in Western North Carolina regarding Mission Health's Certificate of Public Advantage (COPA), President and CEO Ronald A. Paulus, MD is igniting a grassroots call-to-action among the community and Mission Health caregivers to contact local legislators and state representatives in order to voice their disapproval of recent intrusive activities by the House Select Committee on CON and Hospital Related Issues.
Last week, Paulus sent a letter to over 8,000 employees detailing serious concerns about the Commission's study that would deeply impact Mission and its ability to serve the community and surrounding Western North Carolina region.
"The House Select Committee on CON and Hospital Related Issues has recently issued proposed recommendations regarding Mission Health's Certificate of Public Advantage and intends to incorporate these recommendations into their final interim report on April 19th," Paulus wrote. "If the committee adopts the recommendations, any subsequent legislation created as a result would have a severe and deleterious impact on Mission Health's ability to provide quality health care close to home."
If enacted, the Study's recommendations would:
1. Reduce access to high quality care, particularly in rural areas
2. Reduce patient and physician choice;
3. Eliminate jobs.
"I urge you to call, write or e-mail your Western North Carolina representatives and ask for their continued support," Paulus said in asking for staff and community members to act. "It's just remarkable that there is no representation at all from Western North Carolina on the Study Commission which seeks to legislate our future, and understandably, there is no support among the Western North Carolina House delegation for such an unprecedented expansion of government regulation into personal healthcare choices. Western North Carolina faces very serious health issues related to patient access, care coordination and quality exacerbated by our uniquely challenging demographics-- that's where our focus is and where it should remain. We want our representatives to urge the House Select Committee on CON and Hospital Related Issues to remove all recommendations regarding COPA from their final interim report."
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Severe Acute Respiratory Syndrome (SARS) (cont.) Medical Author:
Charles Patrick Davis, MD, PhD
Charles Patrick Davis, MD, PhDDr. Charles "Pat" Davis, MD, PhD, is a board certified Emergency Medicine doctor who currently practices as a consultant and staff member for hospitals. He has a PhD in Microbiology (UT at Austin), and the MD (Univ. Texas Medical Branch, Galveston). He is a Clinical Professor (retired) in the Division of Emergency Medicine, UT Health Science Center at San Antonio, and has been the Chief of Emergency Medicine at UT Medical Branch and at UTHSCSA with over 250 publications. Medical Editor:
John P. Cunha, DO, FACOEP
John P. Cunha, DO, FACOEPJohn P. Cunha, DO, is a U.S. board-certified Emergency Medicine Physician. Dr. Cunha's educational background includes a BS in Biology from Rutgers, the State University of New Jersey, and a DO from the Kansas City University of Medicine and Biosciences in Kansas City, MO. He completed residency training in Emergency Medicine at Newark Beth Israel Medical Center in Newark, New Jersey. IN THIS ARTICLE
Authors and EditorsAuthor: Charles P. Davis, MD, PhD Editor: John P. Cunha, DO, FACOEP Previous contributing author and editors: REFERENCES: Last Editorial Review: 7/19/2012 |
Women's Health
Find out what women really need.
From WebMD
Infectious Disease Resources
Featured Centers
Health Solutions From Our Sponsors
Read What Your Physician is Reading on Medscape
Severe Acute Respiratory Syndrome (SARS) »
Severe acute respiratory syndrome (SARS) is a serious, potentially life-threatening viral infection caused by a previously unrecognized virus from the Coronaviridae family.


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Thorlo: Thin Cushion Mini Crew
Out of Stock
The Everyday Outdoor Mini Crew from Thorlo gives lightweight, breathable and moisture managing comfort in a thin cushion sock. The ideal companion to the new generation of low-cut trail shoes on warm weather day hikes to your favorite waterfall or lookout, these socks will help keep your feet cool, dry, and blister-free.
- 87% CoolMax, 9% NYlon, 3% Elastic, 1%Polyester
- Midweight padding in the heel and ball protect the foot from shear and impact forces and prevent blistering
- Lace pad protects the top of the foot against boot lace pressure
- Ventilation panel enhances wicking
- Medium fits US Mens 5.5 - 8.5
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- X-Large fits US Mens 13 - 15


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Which One Of You Was This?: How To Get Fired From Domino's In Style
This is a copy of the official termination form of some assistant manager from a Domino's in Whoknows, Orcares, USA. The important part is I happen to know it's one of you. So, yeah -- go ahead and fess up (also, try using your old employee-discount to order me an extra-large with mushrooms and banana peppers). Still, I think we can all agree this is entirely Domino's loss. THIS MAN HAS 'DELIVERY DRIVER' WRITTEN ALL OVER HIM! Literally -- probably in pepperonis.
Humorous Domino's Employee Termination Record [foodbeast]
Thanks to Staticwolf, ChrisTheMan and Shenanigans, who're all lobbying to get this guy teaching 'Job Quitting 101' at their local community college.
Title-Writing Pulitzer: I want it now. These are a couple shots from a giant Star Wars series by photographer Robin Cook. You're going to have to excuse me if I'm not 100% with it but I'm still beaming about how great that post title was. Luke I am your Papa...John's. God I... / Continue →
Well folks, it's officially the second to last new year before the apocalypse. Let's go ahead and make it a good one, k? Gosh, looking back, 2010 was filled with so many amazing new experiences! Just kidding, I got drunk at the same bar everyday trying to erase my memory. I... / Continue →
I've had some of Jones Soda's limited edition Thanksgiving brews (Turkey & Gravy, Green Been Casserole) before, and they pretty much made me want to die. But who knows, maybe the bacon and pizza will be different. Except you and I both know they won't and their only purpose i... / Continue →


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Last week it was copper. This week it's iron ore. In both cases, the weak trading traces to China.
It's tough going Monday for investors in mining-themed funds, which are down in the wake of yet more weak economic data in the world's most populous country. Asian stocks fell broadly Monday and iron-ore swaps in New York plummeted almost 7% after China's exports dropped 18% from a year earlier.
That's after news last week via HSBC that China's manufacturing activity fell to a seven-month low. Here's colleague Ben Levisohn on the read-through for Cliffs Natural Resources (CLF), among others.
Interactive Brokers' Andrew Wilkinson weighs in with a client email:
A decline of 20% from a recent peak is good enough to match the criteria for a bear market and the poor weekend trade report from China has given rise to growing concerns that the economy is grinding to a halt. Lower iron ore prices have the potential to translate badly for related company earnings. And as US stocks slip on Monday, option traders are populating several related companies.
SPDR S&P Metals and Mining ETF (XME) is down 2.2% on Monday, Market Vectors Coal ETF (KOL) is off by 2.1%, and Materials Select Sector ETF (XLB) is down 0.3%. Vanguard Materials Index ETF (VAW) is down 0.5%. Market Vectors Gold Miners ETF (GDX) is also moving lower alongside other mining companies, even though gold's price edged higher today.
Buy a crummy mutual fund and you waste 5% of your money immediately to a sales load. Then you lose another 1% in unnecessary annual management fees. All that for what, often enough, gives a weaker performance than a cheap index fund.
While that's bad in its own right, it turns out investors' self-inflicted wounds are often worse.
Colleague Reshma Kapadia has the details on a Morningstar study of the deleterious effects of investors' tendency to buy on peaks and sell near the bottom. Over the last decade, the average investor's returns have trailed his or her own fund by 2.5 percentage points annually.
That's massive. The long-run annualized return of stocks is something on the order of 7%. So, investor behavior eats away more than one-third of the expected long-run annual return. More if your fund lags the market, which is common.
How does it happen? Money floods into a given fund strategy after a big runup. Then, as the same strategy suffers losses, investors pull their money out. It's that simple. And it's the opposite of what a winning investor is supposed to do: Buy low, sell high.
From Reshma:
In the decade ended Dec. 31, investors managed to underperform the average fund's return by an average of 2.5 percentage points annually, according to Morningstar. That's…not good.
Investor returns, also known as dollar-weighted returns, capture how the average investor fared in a fund. To calculate the average investor's return, Morningstar takes a fund's stated return and adjusts it for flows and weighs returns by assets. Basically, investor returns gauge whether investors are doing a good job in timing when they enter and exit a fund. Unfortunately, it seems that investors have not done a bang-up job of that in the past decade.
One major reason for the gap between investor returns and total returns is that few investors sit tight in a fund for a decade. Industry analysts estimate the average holding period is more like three years. But the gap in returns is exacerbated by big pivot years for the market, when investors appear to have especially bad timing.
For example, investors bailed out of stocks in 2009 and piled into bonds, alternative investments, and commodities — just as the stock market began what is now one of its strongest bull runs in history. Meanwhile, fixed-income, alternative, and commodity funds floundered. About $93 billion fled U.S. equity funds in 2012, missing out on the 35% rise these funds logged on average in 2013. And the $101 billion that poured into intermediate-term bond funds in 2012 could not have come at a worse time; the category finished 2013 with one of its worst showings in the past 40 years.
Margaret Newkirk of Bloomberg News has the story on the tens of millions the state of Tennessee has invested in exchange-traded funds targeting individual emerging stock markets, like Turkey's and Thailand's.
From Newkirk:
Tennessee is the top or second-biggest investor in 12 exchange-traded funds for emerging markets, after deciding to add the international assets about a year ago.
The state was the largest holder of Global X FTSE Colombia (GXG) 20 ETF, with 23 percent; iShares India 50 ETF, with about 24 percent; iShares MSCI South Africa ETF (EZA), with about 34 percent; as well as in iShares funds for South Korea, Taiwan, Thailand and Turkey, according to the latest filings compiled by Bloomberg. …
Tennessee Chief Investment Officer Michael Brakebill, who oversees the $38.8 billion Tennessee Consolidated Retirement System, said from Nashville that the investment would typically last five to 15 years. The system returned 9.9 percent in fiscal 2013, compared with 5.6 percent the previous fiscal year, according to its annual report.
Here's the scoop by Matthew Monks, Matthew Leising and David Carey of Bloomberg News over the weekend:
Russell Investments, the indexing and fund-management unit of Northwestern Mutual Life Insurance Co., is drawing takeover interest from suitors including Blackstone Group LP (BX) and Bain Capital LLC as Goldman Sachs Group Inc.solicits bids for the firm, people with knowledge of the matter said.
Russell may fetch about $3 billion in a sale, which Northwestern Mutualsaid it was considering in January, according to two of the people, who asked to not be named because the talks aren't public. While Russell is made up of two businesses, the Milwaukee-based insurer wants to keep it whole rather than splitting it up, two of the people said.
Russell, founded in 1936 and based in Seattle, consists of an index business that owns benchmarks such as the Russell 2000 Index and a money manager with $257 billion in assets. The other dominant index creators, such as S&P Dow Jones Indices LLC, MSCI (MSCI) Inc. and FTSE, aren't tied to an asset manager, presenting an obstacle to buyers wanting a pure-play benchmarking business.
Jean Towell, a spokeswoman for Northwestern Mutual, declined to comment and referred to the insurer's previous statement that it was weighing a sale of the unit. Andrew Williams of Goldman Sachs also declined to comment, as did Blackstone's Christine Anderson and Charlyn Lusk, a spokeswoman for Bain Capital at Stanton Public Relations & Marketing.
Cristian Zarcu of Trade DynamiX argues in an interesting blog post over at Tabb Forum that a half second's trading last week highlights an inefficiency in how business gets done in U.S. markets — one that may raise questions about the rules governing trading.
if you want to showcase efficient trading, SPDR S&P 500 ETF (SPY) is exhibit A — it is the most deep and liquid security in the entire equity market. And yet, Zarcu writes, it experienced what in today's high-tech stock market was a surprisingly long period when the most eager buyers were willing to pay more for the ETF than the most eager sellers were willing to accept.
Per Zarcu, the bid-ask spread became "inverted" shortly after noon on Monday March 3; the best bid was above the best ask for 500 milliseconds, or half a second, reaching as much as nine cents higher ($184.24 versus $184.15), he writes.
Half a second might not sound like much. But for high-frequency traders who seize on market inefficiencies and measure this work down to the millisecond (or below), it's substantial. You might also think nine cents is a rounding error for an ETF trading around $184. For most of us, it is, but that works out to about half a basis point which, in theory, is free money for arbitrageurs.
The question Zarcu raises is why free money could persist for an entire half second without computerized traders quickly spotting the discrepancy and meeting the needs of buyers with sellers until they "arbed" the gap away:
Wouldn't we expect all other exchanges to route all their marketable Buy orders to LavaFlow, the venue displaying the lowest offer of $184.15? Wouldn't Reg NMS require them to do so? A closer examination of the rules shows that a crossed [national best bid and offer] triggers an exception to the Trade-Through Rule of Regulation NMS – see Rule 611(b)(4) of Regulation NMS, 17 CFR § 242.611(b)(4). What this means is that when the NBBO is crossed (the best bid price is higher than the best offer price), exchanges do not have to route orders to away markets and are free to execute trades locally, regardless of whether better prices exist elsewhere.
So should we then still expect to see instances where the markets get crossed, in spite of all the recent advances in technology? Given our example above, the answer seems to be yes. So the question then becomes: What length of time should be considered acceptable for market participants to recognize the pricing inefficiencies and correct them?
We would expect an exchange to route orders to another exchange offering better prices as soon as that superior price appears. But just how fast should exchanges be able to recognize that a superior quote exists somewhere else? Should it be microseconds? Milliseconds? Or maybe seconds? What should the level of specificity be, and is that currently defined somewhere?
If this is taking place in an ETF that sees the heaviest trading, what goes on elsewhere?
A linkfest of the best reading in fund investing:
Sure, the market is reacting Friday to an improving jobs outlook, which might force a stingier policy at the Federal Reserve.
But the weakest areas point in a different direction: China and emerging markets.
Judging by the trading in emerging markets, Chinese stock ETFs and especially the price of copper — which is keenly sensitive to Chinese demand — there's something of a hidden selloff on Friday, one that's more about overseas worries than anything at home.
That, of course, could in some ways be one in the same with Fed-watching, given how the central banks' policies loom large over emerging markets.
But there were country-specific developments this week, too. First came word Monday from HSBC that China's manufacturing activity fell to a seven-month low.
Then, overnight, the first-ever domestic corporate-bond default in China emerged. The worry, clearly, is less about solar-equipment maker Shanghai Chaori Solar Energy Science & Technology Co. than whether a wave of similar defaults is on the way.
The interesting part is that Chinese markets didn't sell off much overnight: The Hang Seng finished down 0.2%.
So how do we know this is about China? The 4% decline in copper prices was the biggest single-day drop in more than two years. As Ira Iosebashvili of the Wall Street Journal points out, 40% of global demand is found there.
Each new round of disappointing Chinese data raise doubts about whether the country's manufacturers can use all of the copper that will be produced this year, traders and analysts say.
"Until the Chinese economy picks up and starts using up the supply that is out there, I can't see copper trading much higher," said James Cordier, a principal at Liberty Trading Group. "Unfortunately, there are no signs of that happening right now."
Not that it's some giant honking massacre, but it is different from the overnight session. iShares China Large-Cap ETF (FXI) is down 1.4%. iShares MSCI Emerging Markets ETF (EEM) and Vanguard FTSE Emerging Markets ETF (VWO) are down about 1.4% apiece.
Elsewhere in emerging markets ETFs, Market Vectors Russia ETF (RSX) is down 2% and the leveraged Direxion Daily Emerging Markets Bull 3X Shares (EDC) is down 4.1%.
The sudden weakness of the strongest sector of them all — biotechnology — is turning heads. What the selloff is not doing: Shaking the confidence of biotech bulls.
"Optimistic" was far and away the most common opinion in ISI Group biotech analyst Mark Schoenebaum's survey of sentiment on the biotech sector this morning. Schoenebaum, who queried his buyside-heavy email list, assembled this Wordle on the basis of 359 respondents' views.
If you missed our coverage of the drivers of this selloff, have a read of theories, which range from negative commentary by the Federal Reserve Bank of New York to new competition from Big Pharma to the end of momentum for a range of high-flying stocks.
iShares Nasdaq Biotechnology Index ETF (IBB) is down 3.2% on the week, cutting its year-to-date rise to just under 13%. The ETF has surged 66% in the last year. Gilead Sciences (GILD) is down more than 5% for the week, reducing its YTD gain to 4.5%.
The group fell sharply midday Thursday and continues lower on Friday. At last check, SPDR S&P Biotech ETF (XBI), Market Vectors Biotech ETF (BBH) and ProShares Ultra Nasdaq Biotechnology (BIB) are down by anywhere from 1.3% to 3.5%.
What the heck happened to the biotechnology sector on Thursday? It's continuing on Friday, with Gilead Sciences (GILD) and iShares Nasdaq Biotechnology Index ETF (IBB) down by 2% and 1.3%, respectively.
Here are the best theories put forth by traders, analysts, and ourselves at Barrons.com.
1.) The Federal Reserve's William Dudley singled out biotech Thursday as overvalued: A shoutout to ISI Group's biotech analyst Mark Schoenebaum – who's been all over the late-week dip — for spotting this one. "When you look at the U.S. today, I don't really see much excess in terms of things that worry me about financial stability," Dudley said, according to midday Thursday reportage of Caroline Salas Gage of Bloomberg News. Salas Gage then summarized what sounds like a one-line mention: "Still, there are some areas that may be overvalued, such as biotechnology stocks, leveraged loans and farmland, he said." Throwaway line or not, who doubts the president of the Federal Reserve Bank of New York can move markets?
2.) It's a Gilead-led selloff on Big Pharma fears. A voluntary recall of Gilead's HIV drug might have spooked some investors, even though it strikes analysts as immaterial. Here's what would be more lasting: A potential new competitor by Merck (MRK) or Johnson & Johnson (JNJ). Colleague Ben Levisohn was all over this one last night. Ben finds this item from Citigroup's Yaron Weber on the competition: "It looks to us that there is finally some legitimate competitor to Gilead's HIV regimens that could be cheaper and viable for 85% of patients. … At this point, a formal development plan will need to be undertaken by either Merck or JNJ or both to support registration of this regimen." Weber predicts the treatment won't be licensed for "at least another 2-3 years."
Vanguard Group this morning laid the groundwork for exchange-traded fund versions of dozens of popular actively managed mutual funds, although a spokesman tells Barrons.com there are no immediate plans to offer the ETFs.
The March 7. filing with regulators requests permission to build ETF versions of Vanguard Wellington (VWELX), Vanguard Explorer (VEXPX), Vanguard Wellesley Income Fund (VWINX), and more than half a dozen muni-bond fund families, among others. Just because a fund is included in the filing doesn't necessarily mean an ETF version will be built, the spokesman stressed.
The company manages about $860 billion in active mutual funds in addition to its well-known passive index funds and ETFs. See the complete list here.
The spokesman told us Friday morning by email that the idea, first spotted by Daniel P. Wiener of the Independent Adviser for Vanguard Investors, would apply to new actively managed stock and bond funds as well as existing ones.
Here's what the spokesman said when asked about the inclusion of Vanguard Wellington and other well-known mutual funds:
Vanguard will not offer ETF shares of a fund unless its adviser reasonably believes that the daily disclosure of portfolio holdings would not have an adverse effect on the portfolio strategy and its execution. This determination will be made based on the markets and securities in which the fund invests, as well as the fund's investment style, strategy, and policy.
Investors each day can see the stocks held by ETFs like SPDR S&P 500 ETF (SPY) or iShares Core S&P 500 ETF (IVV), and that transparency is one of the most oft-cited reasons for mutual-fund firms' ETF-building hesitancy. (Of course, fund makers are also probably wary of undercutting their existing businesses.)
The trend of big fund companies laying groundwork for and launching actively managed ETFs lately is heating up. Earlier this year, State Street Fidelity Investments paired with MFS Investment Management to launch a trio of the funds, although investor uptake has been limited. Other big-name asset managers who've built actively managed ETFs or begun preparing include Pimco, Eaton Vance, Franklin Resources, and J.P. Morgan Chase.
Nearly a year ago, speaking on the Barron's ETF Roundtable, Vanguard ETF strategist Joel Dickson suggested the company was in no rush to build actively managed ETFs. He also underscored risks. For instance, how would a large-scale active ETF deal with an influx of too much money? It doesn't have the same options as a conventional mutual fund:
[Dickson:] Active ETFs are interesting, and certainly we could do something. Or we might not. I see active ETFs not so much as an investment play, but as a distribution play. You've got old-line mutual-fund cost structures that emerged from traditional commission-based selling platforms. But there has been a huge shift toward fee-based platforms. From a distribution standpoint, there is a lot of runway for active ETFs.
[Barron's:] Could there be an actively managed Vanguard ETF?
[Dickson:] The biggest hurdle for us has been, and continues to be, the condition of portfolio-holdings transparency. But more broadly, what's the endgame with an active exchange-traded fund? Let's say you are successful. You need a high-capacity product to even think about doing this. At Vanguard and many other shops, when capacity limits have been reached, you close the fund. What does it mean to close an ETF? We've seen what happens when you cut off share creation — you get a premium and a lot of volatility. That is not well understood by investors. They don't understand how the arbitrage mechanism breaks down. [For more on that, see "The Biggest Hurdle,".] I think that's an interesting question in actively managed ETFs. How are shareholders served if you are successful — too successful — with the product?
Correction 10:15 a.m.: The eigthth paragraph of the original version of this blog mistakenly said Fidelity Investments paired with MFS Investment management for actively managed ETFs. It was State Street, not Fidelity.
As exchange-traded funds and other investing vehicles have ballooned in number, the task of figuring out what works well and what doesn't has only gotten harder. Barrons.com's Focus on Funds looks under the hood of ETFs, mutual funds and hedge funds for overlooked values, actionable ideas and the latest pitfalls for fund investors. The blog is written by Brendan Conway, Barron's funds blogger and columnist. Brendan holds degrees from Harvard and NYU and most recently reported on stocks and the options market for Dow Jones Newswires and The Wall Street Journal.
Write to Brendan at firstname.lastname@example.com


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