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The best music and talk stations
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Sighing, sleepy, sadly breathtaking, the lonely-minstrel music of London trio Sweet Billy Pilgrim is composed by singer-guitarist Tim Elsenburg. The act takes its name from Kurt Vonnegut's gentle, hapless nomad, hero of Slaughterhouse 5, and the winsome, wistful, and just a bit precious music echoes its chosen moniker. Tender indie folk backgrounds slowly unfold, ethereally rich landscapes which often seem barely more than nothingness, as Elsenburg's unfulfilled protagonists howl at the moon, choke on their hopes, and wait for a savior who never seems to come. Elsenburg, bassist/banjoist Anthony Bishop, and drummer Alistair Hamer met in England as youths in the early-aughts, officially coming together as Sweet Billy Pilgrim in 2003. Undaunted by label rejection, the band literally took matters into its own hands, forging their own label and unique sound on a trio of laptops. When the band released its 2007 debut, We Just Did What Happened and No One Came, the title proved less than prophetic; reviews, if not spectacular, were numerous, and the album collected minor raves from Mojo and the Sunday Times. After a year or so focusing on remixing, the trio returned with the critically hailed Twice Born Men, which landed Sweet Billy Pilgrim on the short list for the 2009 Mercury Prize. The band returned in 2012 boasting a fourth member, vocalist and guitarist Jana Carpenter, and their third album Crown and Treaty. Carpenter added an extra dimension to the band's burgeoning sound, providing warmth and feeling to Elsenburg's introspective musings and taking on acoustic guitar duties when called upon. ~ Jason Thurston
Nick Drake
Scott Walker
The Blue Nile
Robert Wyatt
The Be Good Tanyas
The Low Anthem
David Sylvian
Joe Pug
nick cave
Teddy Thompson
John Fahey
Bonnie "Prince" Billy
James Yorkston
Marla Hansen
Linda Thompson
Mark Hollis
Davy Graham
Loch Lomond
King Creosote
Led Bib
J. Tillman
Seth Lakeman
Karine Polwart
Rain Tree Crow
Mull Historical Society
Michael Hurley
Matt Elliott
Steve Jansen
Tom Brosseau
Rachel Unthank & The Winte...
stephanie dosen
The Duckworth Lewis Method
Steve Adey


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The ukelele, an instrument that makes you think about your last Hawaiian vacation. This instrument is on the rise and the uke can also be used to rock out. Our guests today, "The Castaways" are a versatile ukelele band that performs a variety of cover songs like "Freeze Frame" and "American Idiot", both from their album "Sixer"
Today, they are here with us to perform Ozzy Osborne's "Crazy Train".
The Castaways will be performing at Paine Field Aviation Day, Saturday, May 18 from 11 PM. to 2 PM.
For more information about the band and upcoming shows, visit them at thecastawaysband.net

subset: commoncrawl


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We have recently closed our business and would like to sell our Chocovision Rev Delta tempering machine. It is roughly 18 months old and in great condition. It holds up to 10 lbs. of chocolate. Cost is $1499 plus shipping costs. I am in the NYC area.
Machine includes:
* 1 bowl
* 1 baffle
* instruction manual
* 3-pack of scrapers
* lid & cover
You can see unit here: http://www.chocovision.com/index.php?cPath=37&id=39&name=Re...
Tags: chocolate, machine, nyc, tempering
Please e-mail me about the machine. email@example.com.
Thank you!
Hi Donna,
It is still available.
I could ship but I need to look into shipping costs. Can I get back to you on that?
Hi Donna,
Shipping via UPS Ground will cost $38. Please let me know if/when you would like the tempering machine.
Also, which boxes and how many do you need?
Hi Donna,
Great! Do you want 100 each of the three different boxes? Just let me know which ones you are interested in, as there are 3 different sizes.
I need to find a box for the tempering machine this weekend. I should be able to get it shipped out to you early next week. I will keep you posted on that.
Once we finalize your order, you can send your payment to my paypal account if that works for you.
Hi Donna,
Just checking in to see if you are still interested in the tempering machine and the boxes.
Yes I am interested. I thought you were checking on packaging to ship?
I would like the boxes also 100 of each if you want to ship them also.
Hi Donna,
Ok great. So you want 300 boxes total along with the tempering machine? I found a box at Home Depot that should work.
Let me get back to you with the total. I could probably ship this out next Monday. Does that work for you?
Follow Clay on:
Twitter :: @DiscoverChoc
F'Book :: TheChocolateLife
F'Book Group :: LaVidaCocoa
Paper.li :: @DiscoverChoc
© 2014 Created by Clay Gordon.


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Hardware news tagged Snapdragon
Thursday, June 20, 2013
LG Electronics to Use Qualcomm Snapdragon 800 for Next-Gen Flagship Smartphone.
LG Selects World's Most Powerful App Processor for Upcoming Smartphone
Wednesday, June 19, 2013
Qualcomm Aims Inexpensive Smartphones with Snapdragon 200 Processors.
Qualcomm Snapdragon 200 Aims at Emerging Regions
Thursday, June 13, 2013
Nokia to Introduce Lumia EOS Smartphone with 41MP PureView Camera Next Month.
Nokia to "Reinvent Zoom" on July 11, 2013
Wednesday, June 12, 2013
Samsung Introduces Galaxy S4 Zoom Hybrid Camera-Phone.
Samsung Launches Smartphone with 16MP Camera and 10x Optical Zoom
Wednesday, June 5, 2013
Qualcomm Debuts Low-Cost Quad-Core Application Processors with 4G/LTE Baseband.
Qualcomm Unveils Snapdragon 400 SoCs with ARM Cortex-A7 or Krait and 4G/LTE
Tuesday, June 4, 2013
Samsung Reveals Galaxy S4 Active: Flagship Smartphone Gets Advanced Protection.
Samsung Galaxy S4 Active to Provide Leading Capabilities in Roughest and Toughest Environments
Friday, May 31, 2013
Samsung Introduces Galaxy S4 Mini: Maximum Capabilities at Minimum Size.
Samsung Weds Small Size and Maximum Capabilities
Tuesday, May 28, 2013
Google and LG Introduce New Nexus 4 White Smartphone.
LG and Google Roll-Out While Nexus 4 Smartphone
Monday, May 27, 2013
Samsung Sells 10 Million Galaxy S4 Handsets in First Month.
First Month Sales of Galaxy S4: High, But Dramatically Behind Apple iPhone
Sunday, May 12, 2013
Nokia Announces Lumia 928: Selling Old Lamps As New Ones.
Nokia's New Flagship Smartphone Gets OLED Screen, No Obvious Benefits
Tuesday, May 7, 2013
Nokia Confirms New Lumia 928 Flagship with PureView Camera.
Nokia's Lumia 928 Loses 41MP Sensor, Will Get 8.7MP Instead
Thursday, May 2, 2013
Nokia Lumia 521 with Windows Phone 8 Set to Be Available for $150 in Walmart This Month.
Microsoft Expects Nokia Lumia 521 to Greatly Boost Windows Phone 8 Market Share in the U.S.
Monday, April 22, 2013
First Images of Nokia Lumia 928 Hit the Web: New Case, PureView Image Sensor.
Nokia Lumia 928 to Feature High-End 41MP PureView Sensor
Thursday, April 11, 2013
Samsung Introduces Galaxy Mega: Phablets for Consumers in Budget.
Samsung Introduces Smartphones with 5.8", 6.3" Displays
Wednesday, April 10, 2013
Microsoft Windows Phone 8 to Support Quad-Core App Processors, 1080p Displays Only By Year End.
Quad-Core Application Processors, Full-HD Displays to Feature Only in Next-Generation of Windows Phone Smartphones
Friday, April 5, 2013
BlackBerry's Inexpensive BB10-Based Smartphone Allegedly Pictured.
BlackBerry Readies Affordable R-Series QWERTY Handsets
Thursday, April 4, 2013
Facebook Teams Up with HTC for "First" Smartphone.
HTC Introduces First Smartphone with Home by Facebook
Wednesday, April 3, 2013
Google to Unleash Second-Generation Nexus 7 Media Tablet in July.
Asus, Google Prep Second-Gen Nexus 7 with Qualcomm Snapdragon Inside
Tuesday, April 2, 2013
Samsung Readies Galaxy Mega: Huge Phablets Incoming.
Samsung Preps New Lineup of Phablets with 5.8", 6.3" Displays
Thursday, March 28, 2013
Mid-Range BlackBerry Smartphone Due This Fall – Company.
Inexpensive BlackBerry 10 Smartphones in the Works
Tuesday, March 26, 2013
Qualcomm: We Do Not Need to Build Own Game Consoles to Succeed on the Market.
Qualcomm Will Not Follow the Path of Nvidia's Project Shield


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Forum Index » Post-Trip Reports » St. Anthony's Wilderness
Just a quick Sunday hike..right around 10 miles or so. This area is in PA State Game Lands #211. Some information can also be found at these links:http://home.comcast.net/~stanthonywilderness/picpage.htmhttp://www.greentreks.org/watershedstv/old_cattails/stonycreek.aspThe access road was pretty slick..so I left the car up on the mountain road and hiked down in. Most people with 4-wheel drive could get down. Let me tell ya, after a decent hike, coming back up the grade to get back to the car was a killer!
Yeah, looks like PA's paved hiking paths.Joe is trying identify PA hikers, and maybe get together a UL trip sometime. http://www.backpackinglight.com/cgi-bin/backpackinglight/xdpy/forum_thread/12037/index.html?skip_to_post=88903#88903
That rock path was actually a handlaid stone incline from the late 1800's early 1900's. They use to use it to drag coal cars, equipment, supplies etc. to the top of Second Mountain from the railroad. A lot of it is eroded out from the stream, but most is still intact. The eroded part actually made for a neat little rock scramble...but I was dreading taking out an ankle on one of the first trips this Spring.
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Home > News and Events > Speeches |
Speech |
McDonough: The Changing Nature
of Banking, Risk and Capital Regulation |
March 17, 1999 | |
J. McDonough, President and Chief Executive Officer Remarks by President William J. McDonough before the 29th Annual Banking Symposium Bank & Financial Analysts Association Good afternoon. I am pleased to be here today to discuss the changing nature of banking, risk and capital regulation. With the new millennium on the horizon, it seems a particularly fitting time to discuss some of the key trends that are affecting the way both bankers and supervisors think about these issues. Also, as I'm sure many of you are aware, the Basle Committee on Banking Supervision currently is engaged in a fundamental review of the Accord, which is the cornerstone of existing capital standards. In many ways, the changing nature of banking and its risks have led supervisors to revisit the current capital framework, and so I welcome this opportunity to provide my perspective on these risks and how they relate to the future of capital regulation more generally.In the last several years, we have witnessed an increase in the diversity and complexity of businesses in which banks are engaged. While lending and deposit-taking are still the mainstays for a majority of commercial banks, many banks have grown their derivatives trading, securities underwriting and corporate advisory businesses. Some banks have expanded their traditional credit product lines to include asset securitizations and credit derivatives. Still other banks have greatly increased their transaction processing, custody or asset management businesses, in the pursuit of fee income. Looking forward to the next century, I believe we will see major strides in the area that I suggest we call "e-finance". More banks will venture into the relatively new world of on-line PC banking or will expand electronic bill presentment and paying services. Banks will be motivated to overcome obstacles such as systems incompatibility and consumer privacy concerns, to achieve greater operating efficiencies and to protect their valuable payments franchise. Going forward, on-line purchases and sales of securities by individuals also will continue to increase, producing a growing source of commissions for financial institutions. For most banks, these developments will mean a further increase in the diversity and complexity of risks to which they are exposed, including, but not limited to, credit, market and operational risks. The challenge for these banks will be to develop risk management systems that are rigorous and comprehensive, yet flexible enough to address the newer risks they take on as they expand into less familiar product areas. Today, I would like to highlight these risks and focus on how important it is for banks to integrate their risk management and capital planning processes. Also, I would like to focus on how the changing nature of banking is challenging supervisors to rethink their approach to capital regulation and supervision. Despite changes in banking over the last few years, many of which already have been discussed today, credit risk remains the predominant risk for most banks. However, credit risk clearly extends beyond conventional credit products such as loans and letters of credit. Today, banks are taking on credit risk in the form of margin lending and transactions in the over-the- counter derivatives markets that expose them to large amounts of counterparty risk and can be difficult to measure. They also may be engaged in taking on credit risk in its more subtle forms. The short-term credit risks in futures brokerage, where the clearing broker stands between the customer and the exchange, or the often underestimated, but substantial, credit risks that arise in settling foreign exchange contracts, are examples. Credit risk also may exist in more complicated, less conventional forms, such as credit derivatives or tranches of securitized assets. Market risk also remains prominent. The upheavals in both global fixed income and equities markets over the last year led to a great deal of volatility in spreads and asset prices and caused large swings in bank profitability. These events demonstrate that the world doesn't necessarily work the way we thought it did, that there are correlations between markets that we had previously thought were unrelated. As banks continue to expand their global trading operations, the need to understand the relationships between markets increases. This challenge is amplified by technological advances and financial product innovations that contribute to ever-more complex market instruments. But clearly, banks are exposed to more than just credit and market risk. Operational risk also is a growing concern for the banking industry. The looming issue of Year 2000 remediation is just one example. With the continuing diversification of banking, the fast pace of financial innovation, and the growing concentration of crucial payments, settlements and custody businesses, the importance of operational risk is rising, especially at many larger institutions. These institutions find that the probability of a financial loss resulting from a breakdown in internal controls or systems is greater than ever. As banks expand into new lines of business, such as electronic banking, this trend is likely to continue. For instance, consider the risk of a breach in electronic security controls that leads to unauthorized access to confidential customer information. Should this breach be severe and pervasive, it could lead to considerable legal and reputational problems for a bank. Further, the overall rapid pace of technological change in this area means there is a substantial risk of obsolescence. These are just some of the risks that banks must manage, and clearly the list I have set forth is not exhaustive. In particular, consider banks in emerging market countries that are subject to a unique set of risks as a result of the financing and investment cycles in their countries. Those banks that fund their domestic assets with foreign currencies may be particularly susceptible to liquidity risk when sharp fluctuations in exchange rates and market turbulence make it difficult to retain sources of financing. While I have presented to you some of the major risks as separate and discrete, we recently have discovered that they are, in fact, inter-related. For instance, we have seen that market risk frequently drives credit risk. In the second half of last year, we saw turbulence in fixed-income markets produce severe liquidity and solvency risks for hedge fund market participants. Also, we have learned that credit risk may derive from operational risks, embedded in complex systems for managing collateral or intra-day funding, both of which require rigorous internal control environments. Regardless of the nature or form of risk, the best way for all banks to protect themselves is to identify risk correctly, accurately measure and price it, appropriately control it and maintain high levels of reserves and capital, in both good times and bad. However, many banks are not finding it easy to develop a holistic approach to assessing and managing the many inter- related risks they face. A particular challenge is to relate such risk assessments to appropriate capital levels, especially given the dynamic nature of their businesses. Before I discuss how some banks are tackling this issue, let me first consider the role of capital more generally and how it relates to risk and strategy. Fundamentally, the role of capital is to act as a buffer against unidentified, even relatively remote losses that a bank may incur in the future. A bank must hold enough capital to cushion both depositors and senior lenders against losses, while leaving the bank able to meet the needs of its customers. Banks must maintain capital commensurate with the amount of risks that they take and hold enough to weather financial storms, which can at times be severe and of considerable duration. Banks with low equity capital ratios and a high variability of operating earnings have proven particularly vulnerable to financial distress. However, banks do not just hold capital to overcome distress, but also because it provides them with financial flexibility. Banks that are strongly capitalized can take advantage of growth opportunities. Also, strongly capitalized banks are better able to promote innovation, whether in the form of new products, new services or new distribution channels. This is not just a capital resource issue, but a human resource issue. Bank managers who are able to focus on the business of banking, strategy and competition, rather than on financial difficulties, can create and innovate and, therefore, add value for shareholders. Banks also hold capital as a sign of strength to their customers. Clearly we know this to be true with depositors on the retail side, but it is equally true on the wholesale side. When an institution or corporation enters into letter of credit guarantees or swap contracts, it needs to be confident that its bank will be around in three or five years, at the maturity of the contract. A bank that is well capitalized can credibly state to its customers and clients that it can make good on its promise to pay. More and more, clients recognize this and differentiate among various banks on this basis. As financial services converge and competitive pressures increase, banks find that they must vie for capital, not only with their domestic and foreign counterparts, but also with investment funds, asset management firms, investment banks and insurance companies. This is equally true for emerging market banks that find they must compete with internationally active banks in what were previously thought to be solely domestic markets. These banks recognize that an adequately capitalized institution is a necessary, but not sufficient, condition to compete globally and to attract international funds and clients. It will be a challenge for these banks, and particularly those with high-risk profiles and opaque financial statements, to prove to clients, counterparties and stakeholders that they are operating safely and soundly. In the face of increasing competitive pressures, banks are focusing more of their attention on the role of capital, capital levels and targets, and how they relate to strategic plans and objectives. Many banks also are spending more time assessing their own risk profiles and evaluating the amount of capital they need to cope with adverse outcomes in normal times and under reasonable stress scenarios. The more sophisticated banks are in the process of developing internal systems and methodologies, including formal analytical models, that enable them to do this better. Some of these banks rely on capital allocation methodologies typically used for pricing and performance measurement across business and product lines as a basis for their analysis. These methodologies frequently incorporate different kinds of volatility-based measures that include a view of unexpected loss, along with more subjective measures of risk. While many of these systems and methodologies are still in their early stages and require refinement, I am encouraged by their development, and hope that the assessment of capital adequacy will continue to be a primary focus of risk management at banking institutions. The senior management of banks can take this further by evaluating not only the adequacy of their current capital levels, but also the appropriateness of their capital structure. Ideally, this analysis would lead to a process that integrates decisions about business strategy, risk profile and future capital needs. As banks become better at identifying and quantifying their risks, they should be well positioned to enhance risk disclosures and inform investors more fully. While bank investors ultimately bear the risks of the institution, too frequently they are not in a good position to make knowledgeable business decisions about a bank's prospects. Certainly, investors are less well informed than bank management. In many countries, accounting and disclosure standards do not provide users of financial statements with the necessary information to appropriately assess risks and determine soundness. A lack of transparency discourages capital from flowing efficiently and, in effect, reduces or even destroys value. However, on a positive note, I am encouraged by progress in numerous countries to promote disclosure and transparency, for instance, with regard to non-performing loans. The Basle Committee on Banking Supervision, the Committee on the Global Financial System, the International Accounting Standards Committee and other organizations have put forth initiatives to enhance the relevance, reliability and comparability of information disclosed by the financial sector. The most important initiatives will be those of national governments to apply these accounting and transparency frameworks, as well as the voluntary disclosures of financial institutions. Now that I have discussed the changing risk environment and how banks are responding to that challenge, let me turn to what this means for the current regulatory capital regime. Today, a major challenge for regulators is to develop capital standards that address more comprehensively the full range of risks to which banking institutions are exposed. These standards must also improve the differentiation among high risk and low risk exposures and between weak and strong institutions. Additionally, they must be flexible enough to accommodate the risks of newer and emerging activities, some that I have mentioned today. As you know, the primary tool of capital regulation currently is the set of minimum capital ratios that were devised in 1988 by the Basle Committee on Banking Supervision. They were set forth in an agreement known as the Basle Accord, and were adopted, among other reasons, to address the slide in international capital levels that was occurring over a decade ago. While these ratios were relatively basic, they have proved very effective at achieving their goal over the last decade. Over the years, risk management approaches have evolved rapidly, while the Basle Accord has evolved relatively slowly. As market risk management techniques developed, we were able to incorporate a state-of-the-art value-at-risk approach, in a 1996 Market Risk Amendment. As credit risk management techniques have advanced, and as a new discipline of operational risk has emerged, it has become apparent that the long-run relevance and efficacy of the Basle Accord is waning for the most sophisticated institutions. Supervisors have long known that analyzing simple capital ratios in isolation can lead to incorrect conclusions about the relative strengths of institutions. Thus, they also have relied on a review of banks' capital plans and on market discipline to assess bank capital adequacy. As we go forward, banking supervisors are building a capital framework on these three pillars- capital supervision, capital regulation and market discipline- and we look to strengthen each of them. Let me start with capital supervision. The cornerstone of supervisory review is the bank's process for assessing its overall capital adequacy in relation to its risk profile and its strategy for capital level and structure. Supervisors believe they should review and evaluate bank internal capital adequacy assessments and strategies, in addition to bank compliance with regulatory capital ratios. The better the bank's own capital adequacy assessment, the better the supervisor will understand the bank's capital strategy. Inevitably, this aspect takes on greater importance. For one reason, supervisors expect banks to operate above minimum regulatory capital ratios included in the Basle Accord- and prudent assessments can help to inform by how much. For another, supervisors seek to intervene early enough to prevent capital from falling below prudent levels- and bank assessments can provide another useful tool in identifying key issues before they become major problems. With these thoughts in mind, supervisors are tackling the challenge of developing a more systematic approach to the review of capital adequacy. Supervisors also are discussing ways to enhance market- based discipline. Most agree there should be a greater role for private-sector monitoring of banks. Of course, there already exists a fair amount of market-based monitoring; however, the collection and use of these kinds of information usually is not systematic or complete. The first goal is to improve information available to the market. With enhanced risk disclosure, supervisors will be more able to rely on the opinion of market investors. These opinions are reflected quickly in the price of bank debt and share prices, and the ease with which banks can access capital. By relying more on these market signals, supervisors will be better able to identify and address waning capital levels at problem institutions. To the extent banks develop disciplined internal approaches to evaluating capital adequacy and capital plans, and enhance disclosures, supervisors will be able to place greater reliance on all three pillars and meet the challenges of a more complex financial marketplace. The common interest is to keep the Basle standards at a level sufficient to ensure financial soundness, a minimum above which banks will choose to operate. To achieve this, we must fashion a set of standards that does not greatly distort incentives. Supervisors acknowledge that the current regulations and ratios need to be updated to be more meaningful, given the full range of risks banks face today. Supervisors are always challenged to keep pace with financial innovation and improvements in risk management practices, and this suggests that we will need a frequent monitoring and maintenance program for the present and future Accord. In closing, I would like to summarize the key supervisory objectives that we are mindful of as we look to revise the Accord and enhance the overall capital framework. Our first objective, of course, is to promote the safety and soundness of the financial system. Our second is to enhance competitive equality, while allowing for differences among banks based on differences in their risk profiles. These were the original goals of the Accord. Our third is to develop standards that are fundamentally applicable to banks of varying levels of complexity and sophistication, including those in emerging market nations. In developing this capital framework over the next year, we plan to consult closely with the financial and supervisory community and communicate openly about our progress. By year- end, we hope to have made great strides in furthering our objectives. Clearly, beyond 2000, a sound capital framework will help to ensure that banks are well positioned to face the challenges and exciting opportunities that the new millennium has to offer. |


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It's About Freaking Time: Glowing Cats
For years now I've been asking myself "When the hell is someone going to get on the ball and clone some damn cats that glow when exposed to UV light?" Well some South Korean scientists at Gyeongsang National University must have read my mind, because they have! The cats are the result of a manipulated fluorescent protein gene that was implanted into the mother cat. Yep, glowing f'ing cats. You know I'm thinking they could use this to get a certain other cat to glow. *wink, wink* You catch my drift? You picking up what I'm putting out? Jesus, do I have to spell it out for you? I'm talking vaginas, people -- glowing vaginas. I know, I know, I'm a genius. Now is there a number I call to collect my Nobel Prize or do I have to buy specially marked boxes of cereal?
UPDATE: Video added after the jump.
Scientists Create Glow-In-The-Dark Cats [inventorspot]
thanks to Anthony and Lauren, who are both awesome, for the tips
Created in the same fashion as the glowing kitties we posted way back in December, 2007, scientists have bred transgenic (expressing a gene from another, unrelated organism) puppies that glow red under UV light. I don't want one. Ain't no devil dog livin' in this house! A te... / Continue →
Holly Crawford is a 34-year old sadistic dog groomer that decided to pierce the ears, necks, and tails of some cats and sell them as "gothic cats" on the interwebs. After being tipped off by PETA, her home was raided and she was arrested. She defended herself saying that she ... / Continue →
Whoa -- easy on the catnip, bro. This is the Super Mario piranha plant cat tree made by Instructables user Geckoo_Designs. It's not like, a super PRO quality Super Mario piranha cat tree, but it's decent. Definitely better than you or I could do. Now I know you hate it when... / Continue →


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October 31, 2013
Lightweight, comfortable, wore them most days throughout a 2 week trip to peru
October 24, 2013
Very good for the price
Not had chance to wear them yet as they are summerweight trousers. they are a good fit but i will need to use a belt i think. i like the light grey colour and the turn up cuff with button tab will be useful as i have short legs and usually have to shorten trousers.
Okay but compared to other trousers i ordered and eventually bought, quality is not as good
October 20, 2013
Good for everyday use.
This does not affect your statutory rights
For full terms and conditions please see our Delivery & Returns policy


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Product Recall: One SKU of Velveeta Cheesy Skillet Singles Due to Undeclared Soy: Click Here
ADD whipped topping to yogurt in large bowl; stir gently until well blended.
LAYER whipped topping mixture, blueberries and granola alternately in ten 6-oz. dessert glasses.
SERVE immediately. Or, cover and refrigerate until ready to serve. Store leftover parfaits in refrigerator.


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This prank is less than 48 hours old and it's hilarious . . . but it's FREAKING OUT PARENTS all over the country.
There's a comedian named Nathan Fielder who hosts a show on Comedy Central called "Nathan For You". And on Wednesday, he tweeted the idea: Text your parents, quote, "got 2 grams for $40?" Then text, quote, "sorry, ignore that text."
In other words, you pretend you meant to text a DRUG DEALER, but accidentally texted your parents. So kids started doing it, and posting screenshots of the results. And as you'd expect, their parents' reactions were PERFECT.
One guy's mom wrote him, quote, "2 grams of whaaaaat? You're freaking me out!! Erik, what the hell? You're giving me a heart attack. Seriously! Now you're doing cocaine? Ganja? What??? God help me. And you."
One kid's dad wrote back, in all caps, quote, "WTF. YOU'RE GOING TO REHAB. I'M NOT KIDDING. YOUR MOTHER AND I ARE ON THE WAY TO PICK YOU UP FROM COLLEGE TONIGHT."
This will continue being funny until it induces its first heart attack. At which time it will become less funny . . . but only slightly.
See All of the text screens by clicking here.


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What to Expect | Check-in | Requirements | Schedule | Other Info
Welcome Weekend kicks off on Friday, Aug. 30. You can move into the residence halls at 9 a.m.
Each student will be part of a Delta Group. These are small groups led by an upper-class student leader. Your first Delta Group will be at 3 p.m. Friday. Starting with that group, you will be involved in Welcome Weekend throughout the whole weekend.
Welcome Weekend is mandatory for all new first-year students. It is full of lots of fun programs, activities and conversations that will help you connect well to this community and give you what you need to hit the ground running! You will have required events every day starting at 3 p.m. Friday, Aug. 30, through Monday, Sept. 2 at 2 p.m. Please see the 2012 schedule for an idea of what the schedule for the weekend will look like. All things that are in bold type are required. (Please note that the 2013 schedule will be posted later this summer, and this schedule is subject to change!)
If you have a disability or chronic medical condition that may affect your ability to participate fully and richly in Welcome Weekend, please contact Disability Resources and ask for Melissa Watschke at (218) 723-6747 or (218) 723-6790 (TTY/TDD) or email@example.com. It is important that you contact her at least two weeks before Welcome Weekend if possible.
Welcome Weekend is a great introduction to life at the College of St. Scholastica. During this time you will:
Check-in for Scholastica Welcome Weekend 2013!
Is Scholastica Welcome Weekend required?
Welcome Weekend is a required program and attendance is integral to your transition from high school to the College of St. Scholastica. The choice to attend is similar to the decisions you'll be making every day of your college experience - whether to attend class or not, whether to participate in on-campus events or not, or whether to have a positive attitude or not. Just like regular class attendance has a positive impact on academic success, attending Welcome Week will enhance your academic experience by helping you get acquainted with CSS and build a sense of community (one of our values). We encourage you to attend all the sessions and events. Get to know your classmates and start making new friends and memories.
And remember, you have your first real Dignitas class on Sunday afternoon, Sept. 1!
Dignitas Class and Paper
Your Dignitas paper is due by email to your Dignitas instructor by Aug. 29. You need to bring a hard copy (paper copy) to class on Sunday, Sept. 1. The paper is in response to your thorough reading of Rebecca Skloot's book, "The Immortal Life of Henrietta Lacks," which you received at orientation (or was sent to you in the mail). The paper assignment will be available here after orientation.
If you have questions or concerns about Welcome Weekend, please contact Marisa Sanderson at firstname.lastname@example.com or (218) 723-6084. Or contact the orientation interns, Marsha and Courtney at firstname.lastname@example.com or (218) 723-6728.
If you apply for and select to live on campus for the fall, you will receive a letter in the middle of July informing you of your fall housing assignment and your new roommate(s). To be assigned a room, you will need to complete a housing contract and submit your $350 deposit. If you have not yet submitted your full deposit, please contact your CSS admissions counselor. You can find a list of suggested items to bring to campus here. Transfer students are not required to live on campus, but if you are a transfer student and interested in living on campus, please complete the same steps.
Most of you had your student ID picture taken when you were here for summer orientation. You will pick-up your ID during move-in on Friday, Aug. 30. If you did not have your photo taken, you can do that on Friday as well.
Meal plans are used primarily in The Greenview using Greenview meals. Here students can dine with their friends or make a to-go meal to take with them. Each plan also has Flex meals that may be used in Storm's Den as well as Dining Dollars, which can be used in all food service locations. Visit Food Service to sign up for the meal plan of your choice. If you have any questions, contact Jean Anderson, Director of Food Services at email@example.com.
Students are allowed to have vehicles on campus, but are required to register their vehicle online to purchase a student parking permit here.
Please note that many students opt to NOT have a car on campus and it works out just fine. You can use your CSS ID as a bus pass to go anywhere in Duluth. For traveling further distances (Twin Cities, etc.) Jefferson Bus Lines picks up right on campus! (www.jeffersonlines.com/)


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sf symphony orchestra
What's Opera, Doc? Bugs goes to the Symphony
As if anything could possibly be more erudite and high brow than Elmer Fudd or the full-frontal loins of a stuttering Porky Pig, the San Francisco Symphony will soon supersize them and synchronize them with the high-falutin' tunefulness of violins and flutes, timpani and bassoon.
Next Friday, the Symphony hosts "Bugs Bunny On Broadway," a combo symphony orchestra concert and big screen cartoon festival featuring the beloved Warner Brothers cartoon critters and those that want to shoot them, smoosh them or eat them.
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Pictures: 2011 Girls State Soccer Tournament
Image 185 of 221
Class 2A semifinal: Trinity Prep vs. Tampa Prep( JOSHUA C. CRUEY, ORLANDO SENTINEL / February 9, 2011 )
Trinity Prep's Meg Casscells-Hamby battles with Tampa Prep's Amber Miller during second half action of a Class 2A, girls soccer semi-final against Tampa Prep at the University of Tampa in Tampa, Fla. on Wednesday, February 09, 2011.
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My first child, that poor soul, got the young mother in me. The one completely untrained, unskilled, still much of a child herself — not old enough to rent a car but old enough to be the sole caretaker to a helpless infant.
That's what my first child got.
He also got 100 percent of me, all my youthful energy and dewy-eyed ideals. Which is why he could count to 10 in five languages at the age of 2. He got books and songs and a two-hour bedtime routine. He got the panic of first stitches and the pride of the first birthday cake.
Child number two received a partial sum of his mother, though I like to think that sum was a little more grounded. As second son, his infancy was one of comparison: he walked later than first son, but talked months before his brother.
Child three got my raw edges, the pieces of me left after having so many children in quick succession. He got the hand-me-down clothes and the hand-me-down mama, both a little tattered and worn. He got the mother who had eased up — no toddler language lessons or 3-year-old soccer league. (Who puts a toddler in soccer?)
Child three got a mother who had done it before and didn't go to pieces at a sniffle or trip to the ER. He had the mother who could wedge three children into a single stroller and hike two miles to the beach, make dinner and nurse at the same time, read a book with one hand and fold laundry with the other.
Child number three became subject to all the stereotypes for a third: a paltry photo album. Few videos. A late-blooming vocabulary because he never got a chance to talk. He ate pounds of sand while I chased his older brothers down the beach. Fully aware that he was on the edge of my vision, he drank toilet water and cleared the bookshelf in a single swipe.
Child four got full-fledged mother, the kind who can put herself together in the morning and stay that way through the sundown. She knows how to discipline, keep house, plan meals, avert tantrums and solve every argument under the sun. She knows the right fingerplays for church and the right bedtime songs and she has memorized every picture book worth reading. In a pinch, she can create a meal out of breadcrumbs and banana peels. Child four got less of me than all the rest, and in doing so he learned to make toast, get dressed and fight for his rightful place all on his own.
I see shadows of my own missteps in my children: the eldest child who demands so much because it's what he got in those infant days. Child two with the jealousy of being so easily replaced by number three. Number three who rolls with life because that's obviously a byproduct of ingesting too much sand as a baby. Child number four who carries that same assurance of his mother, but knows to yell louder than all rest.
There are times I want to rewind the tape and have a heart-to-heart with my new-mother self. I'd tell her where to back off and where to tamp down. There is a balance to these things.
I would like to sit by that young mother with three children under three, the one sitting on the park bench with her hair under a baseball cap, bags ringing her eyes, and say, "Take care of yourself. Get more sleep. Take a shower. Take a nap. Do the things that matter and forget the rest." I wish I could put my arm around her and say, "Don't forget that third little guy, the one eating sea shells in the corner. He loves hugs. Do you know that?"
Of course I know that now. As a mother of tweens I know my children so well, their love languages and motivations. I know which ones crave friends, and which ones would rather befriend a good book. I also know they will grow out of the biting, hitting, screaming stages into fine young men. There is so much I know, volumes of wisdom I want to impart to my earlier self. To have known that a decade ago would have saved so much heartache and frustration.
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Mitchell Starc subdued the Proteas with two wickets while Aaron Finch lead...
Sheffield Shield sides and location decided
Toe injury threatens World T20 build-up
Aussie quick won't miss any Test cricket
Live streaming has ended for the 2013/14 season. Login to your Cricket Australia account to manage your password.
Never miss a ball with our free online radio.
Australia take on South Africa for a three-Test / three-T20 series.
Australia are ready to take on the world in Bangladesh, are you?
The Commonwealth Bank Southern Stars take their T20 form to Bangladesh.
Mitchell Johnson holds the record for the most wickets (37) in an Ashes series by a left-arm quick.
Brad Haddin has scored the most runs by an Australian wicketkeeper in a Test series.
Meg Lanning holds the record for the fastest 50 and century by an Australian female, scoring 50 runs off 23 balls and 100 off 45.
There's no better way to spend a day than with new friends learning how to play cricket. Join up today!
The new coaching website provides courses to assist you in your journey as a volunteer, coach or match manager.
You don't have to bat or bowl to be in the middle of the action, become an umpire and join in on the fun!
Celebrate the Ashes whitewash with a personal message from Australia captain Michael Clarke
Be in to win with all of Cricket Australia's current competitions
A website made for any and all young cricket fans. Create your avatar, play games and more!
Come support Australia as they take on the England in the Carlton Mid ODI series this summer.
Australia take on the English this summer in the KFC T20 INTL Series with matches in Hobart, Melbourne and Sydney.
Come join the Australian fans as they show their support away from home.
Left Hand bat
Right Arm Orthodox
Playing against the country he debuted against back in 2008, JP Duminy will hope to replicate the stunning form that helped launch his career.
Noted as a talented middle order batsman, Duminy was called into the South African squad for the Test match at the WACA in 2008. On debut, and chasing a record 414 for victory, Duminy showed maturity beyond his years to score an unbeaten half century and hit the winning runs.
He followed that performance with an epic 166 at the MCG, which ultimately sealed the historic series victory.
T20 lovers will remember his incredible catch to dismiss David Hussey, which involved the South African speedster sprinting back with the flight of the ball to take a truly remarkable one-handed screamer.
Duminy's terrific summer of cricket earned him a huge contract with IPL franchise the Mumbai Indians, and he has continued to blossom in the format ever since.
After finding himself in and out of the Test side in recent times, the classy left-hander will be hoping for some big runs on home soil to cement his place.
Duminy has been a regular in the South African ODI side, having represented his nation at two World Cups. A solid average of 39.27 has been highlighted by his versatility, which has seen him bat virtually anywhere in the middle-order.
While he is more known for his batting and energetic fielding, Duminy is a more than handy spin bowler, who offers plenty of assistance for his pace bowlers. A career best 3/67 suggests he can be used as a long term option if selectors opt for four fast bowlers on the faster Australian decks.
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Quick tune up pays dividends
25 Feb 14
24 Feb 14
JP Duminy speaks to the media after South Africa's 231 run win in Port Elizabeth.
Aussies had 'tired eyes': Duminy
22 Feb 14
09 Nov 12
JP Duminy taken from the field after post-match ankle injury.
CricketAus @NagaLakshmi_GG Click http://t.co/ccYfZhKOoi for your Commonwealth Bank Ashes series whitewash gift from @CricketAus and Michael Clarke
CricketAus @EpiDEMIc_Mel Click http://t.co/JSZLhvsSDE for your Commonwealth Bank Ashes series whitewash gift from @CricketAus and Michael Clarke
CricketAus Swot up on World T20 group stage teams with our latest guide, this one on Afghanistan: http://t.co/Y0yKG2jJ9H
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I never get tired of reading these threads, and I am sure others don't either. I initially tried my hand at internet marketing 3 years ago but never had the patience and discipline to stick to one method (classic newbie mistake). I started writing content, and eventually that blossomed into a respectable company (Article Marketing Co) which I am still building and keeps the bills paid. I have thought of getting back into internet/affiliate marketing as a second income, but think I still prefer service orientated business ideas.
How do you make your living online? Hopefully this will inspire us to continue to grow and expand, and help newcomers as well.


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garyr_h - 2:25 pm on Apr 30, 2012 (gmt 0)
It's known as International Workers' Day, May Day, and Labour Day. Just read the "International Workers' Day article on Wikipedia. It's celebrated in 80 countries. It isn't a public holiday in all of those, but it is a holiday in most of Asia, parts of Europe, and all of South America.


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Real Estate Website Design, Real Estate Coaching, Real Estate Marketing Strategy, Real Estate Search Engine Optimization, Real Estate Business Planning and Executive Coaching
Pro Step Marketing and Advertising is the leading Marketing and Advertising Agency that provides Strategic Planning and Business Coaching so that we help you pull it all together. Our goal is for each one of our clients to be able to see what is possible when they have a plan and have a team to help them execute the action items. Our team is dedicated to putting all the pieces together so YOU can finally get the results you've always wanted from your business efforts. We help you:
As a professional you work hard every day to manage your business and show how you are different in your market. Pro Step Marketing and Advertising understands how competitive it can be. We are a marketing strategy, branding development and website design company that works with you to develop a customized strategy. By creating and implementing a unique and targeted business strategy, we analyze, strategize and then create a custom program for you. We want to guide you through a step-by-step process that will take your business to a new level.
Pro Step Marketing and Advertising has developed marketing strategies for businesses as well as for the top Real Estate industry leaders. Our real estate marketing division helps our clients develop their real estate brand, a real estate target marketing strategy, a real estate website and a real estate search engine optimization strategy.
Pro Step Marketing and Advertising is unique in that we offer specialized and turn-key websites and marketing systems for each client. We implement them from start to finish so it becomes a powerful system and gives you results. Our coaching sessions can include direction for building your brand and creating an Internet Marketing roadmap to include the design of the web strategy and its navigation, copy-writing, search engine strategy and more!
Pro Step Marketing and Advertising's full service division called "first priority service" (A.K.A. virtual assisting/virtual consulting) allows our clients to spend more time on their core business! Pro Step Marketing manages the tasks such as marketing roadmapping, branding, logo and identity development, custom website design and unique systems, custom content writing, advertising layouts, brochures, search engine placement and ongoing support specific for our clients' needs.
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Vinyl windows and doors Toronto unlike wood frames feature low maintenance, excellent isolation and durability. Vinyl materials look great and normally don't need to be painted.
Steel doors feture Low maintenance, energy efficient, no cracking or bowing, less expensive, good insulating value and secure. However, scratches can lead to rust. Find here locks, hinges and related hardware.
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Using Crystal Singing Bowls
by Interior Alignment in Self Help
Tags: Feng Shui Interior Alignment Sacred Space Singing Bowls Healing
Join Master Educator LuAnn Cibik and her guest Karen Quant, MTIA for a fascinating show on how crystal singing bowls can be used in not only a mediation practice, but for space clearing and healing. Karen is passionate about crystal bowls, in using them for labyrinth walks and meditation ceremony, healing work, Crystal Sound Baths and Advanced Therapeutic Healing. She has played in Churches and in schools and done her experimentation with children (autistic as well). Children from 6- 12 are so open energetically and the bowls resonate with them well, with at least 70% of the kids she experimented with knowing which bowl corresponded to which chakra and their physical body and colour !!!! Whilst it is easy to buy a crystal bowl and for everyone to play it, to truly understand sound, light the overtones, the true notes, entrainment with the bowls, cleansing, tuning, programming, corresponding chakras and also how to open and close the chakras effectively, to play with more than one wand, know about forced resonance and sympathetic vibration, melody and harmony etc etc. takes more study, some of which might be touched upon on this show. Karen Quant is a Master Teacher of Interior Alignment in Sydney Australia and has trained also in shamanic and energetic practises for the last 16 years and is a mindfulness stillness based meditation facilitator and labyrinth facilitator. As a medium and one of Sydneys premier Space Clearers and Crystal Sound Therapists she brings intuitive and expressive awareness to her consultations both in Australia and overseas. Karen presently is combining her knowledge of Sacred Space, Sound and Soul energy with art therapy in a unique way to create workshops in 2014.
33 Bowls - Tibetan Singing Bowls
by Travel Atmosphere in Spirituality
Tags: 33 bowls singing bowls meditation peace yoga
33 Bowls, otherwise known as Hans, is a musician who has developed his skill in playing Tibetan singing bowls. Hans will explain what exactly Tibetan singing bowls are, how he became involved with them, and how they affect people.
High Frequency Healing Music - Singing Bowls
by Law of Attraction in Life
Tags: Lawo of Attraction Singing Bowls Elivia Melodey High Frequency Music Healing Music
Jewels talks with Singing Bowls Performer, Medium and Channel Elivia Melody about this high frequency music that heals the mind, body and spirit.
Crystal Bowls with Terez
by Shifting Times Radio in Spirituality
Tags: crystal bowls terez laforge meditation chakras healing
morning meditation with Terez and the crystal bowls live at the Wise Women's Festival
33Bowls - Tibetan Singing Bowls
by Awakenings Radio in Spirituality
Tags: Michele Meiche Readings 33Bowls Tibetan Singing Bowls meditative music
12pm PST --- Host MICHELE MEICHE shares her weekly Soul Insights, Meditations, Healing, Activation and Acceleration work for Soul Alignment. What is your Soul's Purpose & how can you actualize this? What is your role, your path, and what are the signs in your life and in the world telling you? Call in for channeled guidance readings, and psychic mediumship readings. Michele is the author author of the DailyOM course to Learn how to align to your Soul's Purpose and crea
Hans 33 Bowls - The Healing Quality of Tibetan Singing Bowls
by Awakenings Radio in Spirituality
Tags: Michele Meiche Readings Hans 33 Bowls Tibetan Singing Bowls Healing
12pm PST --- One on One with Michele ----MICHELE MEICHE shares her weekly 2012 & beyond update, answers your questions, and does channeled readings--- 12:45pm PST --- Welcome our Awakened Guest: Hans - 33 Bowls is a "one man band" standing on the shoulders of giants that produces high resolution Tibetan (also known as Himalayan or Nepalese) Singing Bowl recordings for mindfulness, relaxation, meditation, yoga, massage, holotropic states, natural endorphins, and performs trance co
group singing session
by laurens happy talks in Film
Tags: singing laughing dancing crossfit farm animals
sing a long
The magic of singing!
by Life of Miracles in Spirituality
Tags: Almine Miracles Magic Spirituality Angels
Sandra and Denise bring dear guests Karen and Johanne to share their magical life...their songs with the Fairy world and how they started this journey of singing the names of the Belvaspata Angels while simultaneously performing a Belvaspata Healing Session. The Angelic Healing modality given by Almine. What a treat and a gift! Join us...
Doug Briney Alaska's Singing Cowboy Hit the Charts
by NorthwestPrime in Music
Tags: Talk Interview Wounded Warriors Project Indie Alaksa
NWP welcomes Country Music Singing Cowboy Doug Briney!
When you think of cowboys and country music, the cold climate and frozen tundra of Alaska might just be the last place on earth that you would think of. But, the northern-most state in America is right where up- and-coming country artist, Doug Briney's career began. With two nominations in the 2013 Independent Country Music Association Awards, eight months on the Roots Music Report charts, as well as appearances at Rodeo Alaska, The Iditarod, and the Alaska State Fair, this God-fearing road warrior with the warm baritone voice and love for all things southern is now bringing his Alaskan persuasion to Music City, USA – Nashville, Tennessee.
Show #36: Singing, a Tool to Encourage People to Engage
by Engage For Success in Business
Tags: Employee engagement Engage for Success Social media sing and inspire Business performance
Special guest: Andrea Callanan of Sing & Inspire "Why singing is such an amazing tool to encourage people to engage with themselves and others, and how we've successfully utilised singing in Sing & Inspire to impact and benefit businesses across the UK." We'll be interviewing Andrea Callanan, co-director of Sing & Inspire. Andrea is a classically trained musician who's been singing professionally for nearly 2 decades. Andrea has been teaching music for over 23 years and since 2000, she's been a leading Voice Coach in the Welsh music industry. Sing & Inspire was founded when Andrea and her business partner Georgina Jones realised the business benefits of this motivational training and married it together with Georgina's business skill base and idea for motivational business choirs. Andrea's experience with preventing and correcting vocal health problems with performers over the years also led to developing a vocal health training package for business which is needed so badly in voice heavy industries and is fast becoming an essential part of occupational health and wellbeing across contact centers Host: Jo Dodds Back channel: https://plus.google.com/communities/118419210283831602780/events
Twelve Year Old Singing Phenom, Maddison Hill
by LettesChat in Music
Tags: Maddison Hill singer phenom young adult music
LA, August 3, 2013 – Tara Thomas Agency has once again reaffirmed its commitment to nurturing of young talents by declaring a working relationship with the prodigy, Maddison Hill. Madison, a 12 year old girl, has exhibited outstanding vocal capabilities that wowed TTA prompting the contract. As a result of the agreement, any entity that would like to work with the young songbird should contact TTA at:email@example.com. TTA will in essence take the frontline to promote Maddison Hill within the music industry and to help nurture her talent professionally. Maddison will be brushing shoulders with both up and coming and celebrity musicians, producers, actors and actresses who have secured contracts with the agency. Some of the big names that Maddison will be joining include but not limited to, 330, Jae Mac of FLG, Debra Antney, 40 Glocc and Many More
Maddison is a 12 year old power house. She was inspired by Whitney Houston. She is new in the Industry and she just wants to deliver a message. She is hard at work at 12. Raised by a single mother and the ONE to watch
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Guarding Against Crime: Measuring Guardianship within Routine Activity Theory
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Title | Guarding Against Crime: Measuring Guardianship within Routine Activity Theory |
Author | Reynald, Danielle |
Year Published | 2011 |
Place of publication | United Kingdom |
Publisher | Ashgate |
Peer Reviewed | Yes |
Published | Yes |
Alternative URI | http://www.ashgatepublishing.com/default.aspx?page=637&calcTitle=1&title_id=10035&edition_id=13486 |
Date Accessioned | 2012-02-28; 2012-04-22T22:20:27Z |
Date Available | 2012-04-22T22:20:27Z |
Research Centre | Key Centre for Ethics, Law, Justice and Governance |
Faculty | Arts, Education and Law |
Subject | Criminology |
URI | http://hdl.handle.net/10072/44577 |
Publication Type | Books (Authored Research) |
Publication Type Code | a1 |
Please use this identifier to cite this record: http://hdl.handle.net/10072/44577
Griffith University copyright notice
Copyright in individual works within the repository belongs to their authors or publishers. You may make a print or digital copy of a work for your personal non-commercial use. All other rights are reserved, except for fair dealings or other user rights granted by the copyright laws of your country.


text: Janell Baum Archives Email Author House Approves Short-Term Farm Bill Extension House approves farm bill extension to Jan. 31, allowing more time to complete negotiations Published on: Dec 13, 2013 Tweet Post to Your Wall. Email Story RSS Permalink Print In a rather uneventful voice vote Thursday, U.S. House members approved a 50-day extension of the 2008 farm bill to allow more time for conference committee negotiations on a new, five-year bill. The extension comes on concerns that the USDA will have to revert to permanent law if a new bill isn't passed, meaning higher price supports for dairy and eventually, says Ag Secretary Tom Vilsack, higher dairy prices. In a means to avoid the reversion, House members supported the extension to Jan. 31, leaving additional time for conference committee negotiations with the Senate after December recess. Lawmakers are scheduled to head home Friday. "The importance of completing this cannot be overstated, and we're on the verge. This is an opportunity for members to cast a vote to acknowledge to the folks back home that no matter what happens in the negotiations process, we will not have a dairy cliff," lead Republican Rep. Frank Lucas of Oklahoma said on the House floor Thursday.House approves farm bill extension to Jan. 31, allowing more time to complete negotiations But the Senate has been opposed to any extension, suggesting that farm bill conferees will be able to come to agreement without more time, even though a final vote on the farm bill won't come until January. More from Farm Progress: Lucas Plans For Short-Term Farm Bill Extension It's the Final Farm Bill Countdown


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Where did the name "Askinosie" come from?
It's my last name; so it came from my parents. It was originally, Ashkenazi but my grandfather changed it to Askinosie when he came to the U.S.A. It is pronounced ask-i-no-see.
Where can I buy your products?
You can visit us at 514 E. Commercial Street, Springfield, MO. Our storefront hours are M-TH 10-5:30, Friday 11-5, and Saturday 11-3. Or call us at 417.862.9900, and we will tell you where all the closest retailers are to your location. You can also shop online from our website askinosie.com.
If you want to make a trip to Springfield for an overnight, accommodations can be made at Springfield's best bed & breakfast, the Walnut Street Inn.
How can I use my Askinosie gift card or a coupon code?
You can type (or copy/paste) your gift card number or coupon code in the shopping cart during checkout. Just look for the section called "Coupon or Gift Card" and enter the number there.
Do you have a list of all of the nutrition facts and ingredient list for all of your products?
Here you go and please search for any specific product you had in mind.
Are your products Kosher?
We are now Kosher Certified, with the exception of Hey, Hey Hazelnut!™ Chocolate Hazelnut Spread, Dark Milk Chocolate + Black Licorice CollaBARation™ Bar, Gingerbread Dark Chocolate Bar and our Pumpkin Spice White Chocolate Bar. The certification varies by product, but details on each product's specific Kosher certification can be found on the product pages. Our certifying partner is Vaad HaKashruth in Kansas City, MO
Do you have any sugar-free chocolate?
We do not have sugar free or sugar substitute chocolate bars. Our chocolate contains three (two, really, since the cocoa butter comes from the same cocoa beans) ingredients: cocoa beans, organic cane juice, and cocoa butter (that comes from the cocoa beans). We make the cocoa butter ourselves and we are the first small batch chocolate maker in the US to do this.
Do you make milk chocolate?
In November 2008, we released our first dark milk chocolate bar. It has a 62% cocoa content and is made with goat's milk powder, organic sugar, cocoa butter (that we press in our factory) and a touch of Fleur de Sel sea salt.
In October 2011, we released our second dark milk chocolate bar and our first bar in our new CollaBARation™ Line. We partnered with our friend (and Scandinavian distributor) Martin Jörgensen, and his licorice factory, Lakritsfabriken, on this bar. This Dark Milk Chocolate is made with cocoa beans from Davao, Philippines and contains contains 62% cocoa. We add organic cane juice, goat's milk powder, and a touch of Fleur de Sel sea salt. We then add bits of organic, gluten-free, salted black licorice from Ramlösa, Sweden. This bar also includes anise, enhances the licorice flavor.
In January 2012, we released our newest dark milk chocolate bar, the Dark Chocolate + Malted Milk CollaBARation™ Bar. We partnered with our friends at Jeni's Splendid Ice Cream to create a dark chocolate + malted milk bar. This bar is made with 60% cocoa and infused with malted milk powder. Each bite is like enjoying a chocolate malt at an old fashioned soda fountain. This product contains wheat in the malted milk powder.
Is your chocolate gluten-free?
To the best of our knowledge, our chocolate is gluten-free. Our chocolate contains only three ingredients: cocoa beans, organic cane juice, and cocoa butter (made from the very same beans). Our White Chocolate does contain goat's milk powder. We don't use lecithin, vanilla, or any other additives.
Does your chocolate contain nuts?
Our chocolate is made on equipment that may have been in contact with nuts. Additionally, we make one chocolate bar that contains nuts, our White Chocolate Bar + Pistachios. Therefore our other chocolate products may contain traces of peanuts and/or tree nuts.
Does your chocolate contain additives or emulsifiers such as vanilla or lecithin?
We do not add any vanilla or lecithin of any kind to our products. In fact, we don't add any additives to our chocolate; beans and sugar that's it.
Is your chocolate certified organic?
Our dark chocolate is made from two ingredients: cocoa beans and certified organic evaporated cane juice (from Paraguay). Our cocoa butter is pressed from the same cocoa beans that we use to make our chocolate. Our chocolate is unofficially organic. We go to great lengths to make sure the farmers do not use chemicals and pesticides. We are not certified, however, in part for the same reason we aren't Fair Trade certified -- the certification process for the beans is very expensive and our farmers can't afford it. Though we are not certified organic, our beans can be traced completely back to their origin. We have the name of every farmer who contributed to each crop. We state the bean origin, the bean variety, the percentage of cocoa content, the process (bean to bar), and a choc-o-lot number that our customers can use to trace their chocolate from the origin of the bean through each step to the final product. Our customers can literally visit our website, submit the Choc-o-lot number from their chocolate product, and read all the steps that lead up to the very moment their product was packaged.
What's the big deal about your cocoa butter and your natural cocoa powder?
The big deal is -- we are the first small batch chocolate maker in the U.S. to press our own cocoa butter AND the only makers of natural cocoa powder. Our Natural Cocoa Powder is made right in our factory using the same beans we use to make our dark chocolate. We have a custom press in our factory that we use to make the cocoa press cake from chocolate liquor that we create with beans from San Jose Del Tambo, Ecuador. The cake is then refined to a powder that is easy to bake with. It is an authentic single origin powder that is unsweetened and non-alkalized. The true flavor of the beans translate into a rich dark cocoa powder great for baking.
Our cocoa butter is also pressed in our factory using the same custom press as the natural cocoa powder and we are the only small batch chocolate maker to do this. But don't take our word for it. Emily "Duff"Anderson, chocolate guru for Zingerman's Delicatessen, writes:
"When I found out that Shawn and his team from Askinosie are actually pressing their own cocoa butter from the San Jose Del Tambo beans, I was pretty impressed. This means that the 'cocoa butter' on the ingredient list of the bars is coming from the same beans used to make the chocolate, which is pretty cool."
Who designed your packaging?
The package design is something very important to us. I designed the packaging and engaged a local graphics company to execute it. I source all of the package materials. The entire chocolate bar packaging and our "marketing identity" has been carefully considered to reflect who we are. More importantly, the packaging was designed to honor the farmers. In fact, the package itself impacts the taste of our chocolate bar.
Our packaging has been mentioned in multiple reviews around the world writing about our unique packaging design and website, which is then quickly followed by mention of the taste of chocolate that is equal to the quality of the design. We were recently honored with a highly complimentary review of our package design in the famous design blog (in the trade) thedieline.com. They said, "As you can see, besides being a virtuous chocolate maker, their packaging is equally impressive."
No other chocolate maker, that we are aware of in the U.S., is receiving this kind of attention regarding the packaging design. This is a key competitive advantage. We do not use a marketing firm to originate design any of our product or packaging ideas. Again, this goes back to knowing who we are.
What is the significance of the strings on the top of your chocolate package?
These strings come from our bags of cocoa beans delivered to our factory. They are biodegradable but we reuse them. The women at a local shelter, Victory House New Life Program, make these strings for us from the bags. We pay them for this work and collectively they decide what to do with the money.
What do the "1-2-3" and "toot-toot" mean on the back of the bar packaging?
1-2-3 is something that my wife and I have been writing in cards and notes to each other for nearly 25 years. Nobody but us knows what it means and this was my little tribute to her on the package. Our daughter says that we need to put the meaning in our will or safe deposit box so they can know what it means someday. As for "toot-toot", when our daughter Lawren was little and we tucked her in at night we would leave her room and say "night night" and she responded "toot-toot" for some odd unexplainable reason. This phrase has carried on with us now for years. Putting "toot-toot" on the package was my way of remembering her in those days long ago.
I shop fair trade as much as possible. How do you pay your farmers and how do they share in the profits?
I love the Fair Trade idea. I believe that we have to be vigilant that Fair Trade does not become a marketing gimmick or reduced to a bumper sticker. We must ask the questions and dig deeper to find out how the company treats those that supply them raw materials AND how they treat their own employees. Fair Trade has been scrutinized because some question if the money ever finds its way to the farmer in the field and not coop bureaucrats. My chocolate is not "certified" Fair Trade mainly because the farmers I deal with cannot afford the certification and they are very very loosely organized. They are very poor. I go way way beyond Fair Trade and here is how I do it:
1. We DIRECT TRADE with the farmers 100%. We have a rule that we will not buy beans from farmers we have not met - in person. This is hard because Shawn Askinosie travels a lot. The travel is not the hard part; it is the complicated nature of importing that we do ourselves. When we go to these origins we see the farms and determine the issues that a Fair Trade certifier would observe. The main thing is that we are building relationships with the farmers and their families. This is hard and takes time, but it is worth it.
2. We pay far above the Fair Trade market price (which is set above the world market price) for beans. In some cases – Tanzania for example – our first bean purchase from 40 farmers raised the market price of beans for the other 5,000 farmers in the country in less than one year.
3. We have implemented a program called Stake in the Outcome™ (a profit sharing program for the farmers) which is described below and on our website at The Farmers page. This guarantees to the farmers open books. This is not a negotiation tactic to get them to lower the price on the beans; it is in ADDITION to what we pay them for the beans. We know the name of every farmer who contributed to the crop in all locations. This is something that we doubt any other chocolate maker in the world can say who sources on multiple continents. You can't share with someone if you don't know who they are. Shawn says that the profit sharing trips are some of his best days yet in the chocolate business! The farmers say that nobody had ever come back to thank them let alone share money with them and show the books.
4. Shawn created Chocolate University to benefit the children and teens of the factory neighborhood. It was formed with a vision to provide a learning experience to local elementary, middle and high school students through the lens of artisan chocolate making, directly sourcing beans from farmers. The goals of the project are to inspire the children about (1) social entrepreneurship and (2) a world beyond their own. Chocolate University is funded by Askinosie Chocolate factory tour proceeds and private donations from around the world.
The fans and customers of Askinosie Chocolate are loyalists and die-hards. Of course one reason for this would be because the chocolate tastes great; but perhaps the most compelling reason is that they feel connected to the communities that grow the cocoa to make their chocolate. This is because one of Askinosie Chocolate's main goals is to make that connection for people. The company does this several ways: by connecting students with farmers (which it did when Shawn led 13 high school juniors to Tanzania to meet the cocoa farmers there and drill a deep water well); or by serving their community (one example of this is the computer lab they built at the homeless shelter for the students who lived there to do their homework); but also by regularly engaging their customers in their projects via newsletters, social media, factory events, etc. Chocolate University students have also worked with a school in the Philippines (another place where the factory sources cocoa) to raise money to provide them with the Internet. Their next project is to set up a sustainable feeding program in both Tanzania and the Philippines for the many children there who go to school hungry.
Read more about Fair Trade in The New York Times and on this Blog by Clay Gordon, editor and publisher of Discover Chocolate.
What is A Stake in the Outcome™?
Aside from the title of his popular book, A Stake in the Outcome™, (SITO) is a business philosophy founded by Jack Stack, based on the principal that if workers share in the end success, they will hold a greater stake in the process along the way. SITO was originally intended for employees in the workplace, but I have taken A Stake in the Outcome™ "upstream" to farmers, thereby linking quality, price, and profit share. I travel to Ecuador and Mexico to meet with farmers and to share 10% of the net profits from the chocolate that was made with beans grown on their farms. We have the names of each of the twenty farmers in both locations. We pay higher than Fair Trade prices, but that is simply not enough and is never a guarantee of quality and taste. Our hope is that, through SITO, our farmers will share in the success and ultimately we will have the opportunity to make higher quality chocolate with higher quality beans while sharing with the farmers who make it possible.
The key here is more than a distribution of profit but showing the farmers how we arrived at the number. We had our financial statements translated into Spanish and I went over this material, line by line, with the farmers when I distributed money to them. This program has revolutionary potential because it's simple and it ties quality with price and profit share unlike anything that Fair Trade could ever accomplish. Why should companies in the U.S. buy raw materials, jack up the price and not share with those they source from? My prayer is that one day a small company from another industry will ask me how to implement this model. If I can inspire even one other company to adopt A Stake In the Outcome™ then I will have been a success in this business.
The impact of this model has already been realized. Each farmer group told me that they wanted to make sure we obtained the premium crop and other farmers wanted to know if it was "too late" to join in.
Why are you no longer selling chocolate products made with beans from Soconusco, Mexico?
According to Meso-American expert, Dr. Jan Gasco, we were the first chocolate makers in the world to export beans from this historic place in over 100 years. I now see why that is the case. There are many reasons but the primary reason is quality. After multiple trips to that region and a lot of money invested (and lost) I have decided that we can no longer reliably source beans from there. I am also concerned about long term trust. We have had money stolen from us. I am sure that we could occasionally obtain acceptable beans from there but not consistently. It took a lot of money and heartache for me to learn the logistics of how to get beans out of that part of southern Mexico and to my factory. All is not lost though as we now sell chocolate we make from Honduran cocoa beans which we are very excited about. This part of Honduras is very close to Soconusco and has a rich cocoa history in its own right. A door closes and a window opens.
Who is Jack Stack and why do you talk about him so much?
Jack is the CEO of SRC Holdings Corporation and co-author of The Great Game of Business and A Stake in the Outcome™. Inc. Magazine calls him the "Father of Open-Book Management" and the "smartest strategist in America." He is a Judge for the Ernst &Young World Entrepreneur competition and has been featured by The Wall Street Journal, The New York Times, Forbes, Fortune, Newsweek, CBS, CNN, PBS and more. He is a highly sought-after speaker on the subject of building great companies with open-book management and its profound effect on people's lives. Jack has been a mentor of mine for years. He first attended the Great Game of Business Seminar and implemented OBM in my law firm in 1998. Over the years Jack has challenged me, instructed me, and inspired me.
What is Open Book Management?
Open Book Management (OBM) is NOT about full financial transparency; OBM is about giving employees the key measures of business success and teaching employees to understand those measures and use them to improve business performance. It's about fully engaging employees in the business. It's about teaching employees how the business works and what is critical to success. It's about getting employees to openly discuss wins and losses so they can keep learning and getting better.
OBM works because employees get a chance to act, to take responsibility rather than just "doing their job". Each employee knows how they can contribute to the financial performance of the company and understands that they have a direct stake in the company's success. Each week we review the numbers and other metrics at our factory so we can all measure our success. Click here to learn more about OBM.
What is Chocolate University?
Chocolate University is a collaborative partnership of Askinosie Chocolate, Boyd Elementary School, and Drury University formed with the vision to provide a trans-disciplinary learning experience to Boyd Elementary students through the lens of artisan chocolate-making. I was motivated to found this program because of the neighborhood where our factory is located. Our factory is in the Historic Commercial Street District and one block from Springfield's largest homeless shelter, the Missouri Hotel, where more than 80 children sleep on any given night. Many of the kids attend Boyd Elementary School just three blocks from our factory and just across the street from Drury University. We wanted the children of the neighborhood to be exposed to what we do and how we do it. Chocolate University is more than a tour for the kids. We really involve them so they are a part of our company, and in turn we are a part of their education and development. When I travel to other countries, for example, I email the kids with daily reports and pictures. When I return, I come to the classroom and answer questions. About a month ago we went to their class and used our numbers to teach them the basics of balance sheets, income statements, and cash flow statements.
Askinosie Chocolate is the sole funding source of Chocolate University. We fund it by offering public and private tours of our factory. We average four tours per week. Each tour lasts about an hour and 100% of the proceeds go to Drury University to administer this program. We hope that this model of business and school partnership can be easily duplicated.
In what ways is Askinosie Chocolate a Green Company?
There are three primary areas in which we have focused our attention in order to become a green company.
1.Packaging. Our packaging is designed with environmental consciousness. Part of our mission as a company is to leave this world a better place than we found it. Some of the ways we try to implement that value is by sourcing packaging that has the smallest negative impact on the environment as possible. The outer bag that we use to package our bars is a natural waxed kraft paper bag that is non GM, containing no bleach(which can be harmful to the environment). We look for packaging that is biodegradable and compostable, such as the NatureFlex™ bags that we use to package our bars. The inner wrap is 100% home-compostable, non-GM packaging from a sustainable source. The tie that binds the package is from a biodegradable bag of beans shipped to our factory. We reuse the strings from the bags on our packaging in our attempt to avoid unnecessary waste. The strings not only tie our bags – they also tie us to our community. We pay the women from the Victory Mission Women's Shelter to tie the strings for the packaging.
2.Construction. We used Green construction practices when renovating our building. We used many of the materials we demolished from the original structure; for example, we used 2x12s that we had removed from the original wood structure to reinforce the center girders, both for aesthetics, since we were putting larger posts in, and for added structure. We used windows which had been removed from the Wilhoit building, and which would have been headed for the scrap yard had we not salvaged them. We re-purposed the original posts from the building,which had some termite damage, into a conference table and a retail table. We recycled all materials possible, including all plastics, glass,cardboard, metal, and wood. The sheet rock scraps were composted. The cut-offs from trim and framing lumber were used for home heat. The bricks from the expanded window cuts in the brick wall were re-used as patio pavers. The concrete slab cuts from the in-slab plumbing were used as pavers in another construction project. Our efforts in this area meant that we only took one medium sized flatbed trailer to the landfill and did not need an on-site dumpster.
3.No waste in the process. The only possible waste our factory might generate is the shell around the beans. However, we don't throw these away. We trade all of our shells with a local farmer who provides all of us in the factory with in season fruit and vegetables.
Can I tour the factory?
We have tours every Tuesday at 3pm that are open to the public. The cost is $4 for adults and $3 for students and children. All the proceeds from our tours go to fund our Chocolate University program with Boyd Elementary, Pipkin Middle School, Central High School and Drury University. You can find out more information about our tours by clicking here or reserve a spot in an upcoming tour on our tour reservation page.
Private tours are available for $75.00 or $5.00/person--whichever is greater. Private tours can be scheduled by emailing us at email@example.com.
How are my products shipped in warm weather?
Our normal shipping days during the warm months (holidays excluded) for overnight, 2-day, and ground shipments are Monday, Tuesday, and Wednesday. Overnight shipments are also sent on Thursday. This schedule is designed so your chocolate does not sit over the weekend in a warehouse without temperature controls. We may ship on Thursday if cool temperatures allow your chocolate to be safely transported. We also include polar packs in your order to help maintain the integrity of the chocolate during the warmer months. Click here to read more about our shipping.
Will Askinosie Chocolate give to my charity or make a donation for my fundraiser?
We greatly value the opportunity to give to our local community and to share in our successes as we grow as a business. For our company, this is demonstrated through our commitment to two Springfield organizations that are especially important to us: Chocolate University and Lost & Grief Center.
Chocolate University (http://www.chocolateuniversity.org) was established by Askinosie Chocolate to provide a unique learning opportunity for the students who attend Boyd Elementary, Pipkin Middle, and Central High School, all within the factory neighborhood. This cooperative learning program offers students a chance to learn through the lens of artisan chocolate making and directly connects them with the regions from which we source cocoa beans.
Lost & Found Grief Center (http://www.lostandfoundozarks.com/) was co-founded by our founder Shawn Askinosie to provide grief support and education to individuals and families in the Springfield area at no cost.
Futhermore, during a bean-sourcing trip in Davao, Philippines, Shawn noticed that malnourishment was a major problem at the local elementary school. Askinosie partnered with Malagos Elementary School's PTA to create a product to fund a sustainable nutrition program. The PTA made a product called Tableya, a traditional hot chocolate drink. We bought this product from the PTA, sold it to our customers, and used 100% of the profits to provide 111,000 meals for these students while they are in school. This project is 100% self-sustaining, requiring zero donations. Planning is currently underway for a similar program in Tenende, Tanzania at Mwaya Secondary School.
In the past, we have made full effort to meet each of the donation requests we have received in the Springfield area and beyond. Recently we have decided to laser focus our giving efforts to the organizations and projects mentioned above in order to serve with even greater depth. Unfortunately, we are unable to meet any other donation requests.
Do you have any recipes?
You betcha! We've gathered recipes from friends, family, and customers. Click here for a list of recipes or visit our Facebook Notes page for some other recipes. Here are some a few links to fantastic photos of some of these recipes made by the Food Channel. And feel free to send us your own tasty Askinosie recipes by emailing email@example.com.
Cookies, Brownies, Pie and more at the foodchannel.com!
Recipes and photos at the foodchannel.com.
Video story about Askinosie Chocolate at the foodchannel.com.


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