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Campaign finance has become a contentious issue recently, particularly after the Citizen's United decision, which eased restrictions [JURIST report] on political and campaign spending by corporations and unions based on First Amendment grounds. Earlier this month, California's Fair Political Practices Commission (FPPC) [official website] issued a rule [JURIST report] that will require sponsors of "thinly veiled" political ads reveal their funding sources. In addition, the Disclose Act [materials], which prohibits corporations receiving federal contracts worth more than $7 million from spending money on "electioneering communications" and prohibits foreign-controlled domestic corporations from financing campaigns, was approved by the House of Representatives, but stalled in the Senate [JURIST reports] in September.
Italian law enforcement officials seized €32 million from a Vatican bank account [CBC News report] in September and allege that the Vatican violated laws by not indicating where the money in some transactions was coming from. Italian prosecutors working on that case have expressed that recent actions by the Holy See to harmonize its legislation with EU law will not affect their position [AP report] on case related to the €32 million that have been seized. In addition to dealing with allegations of financial crime, the Vatican is still addressing allegations of sexual abuse within the Catholic church. Since 2007, in the US alone the Church has settled over 500 cases [JURIST news archive] of abuse for over $900 million.
The US District Court for the Southern District of New York's [official website] March ruling [opinion, PDF] nullified patents held on two genes linked to hereditary ovarian and breast cancer "[b]ecause the claimed isolated DNA is not markedly different from native DNA as it exists in nature." If the decision is upheld, it could invalidate patents covering nearly 2,000 human genes. The District Court's decision stands in contrast to the stance taken in the EU [Nature report], which allows such patents. Genetic research companies currently hold patents to approximately 20 percent of the human genetic code, many of which are associated with diseases such as Alzheimer's and cancer. The holder of a gene patent can prevent others from studying the gene and can also develop testing for specific genetic mutations, which they can then market without direct competition.
India, a party to the CBD, continued its emphasis on environmental protection last week when it introduced a new court system [JURIST report] devoted solely to environmental litigation. India has actively maintained an emphasis on environmental issues at a time of rapid growth. In June Australia, another signatory to the CBD, initiated proceedings [JURIST report] against Japan in the International Court of Justice (ICJ) [official website] for breaching its international obligations by failing to eliminate commercial whaling. Curtis Doebbler, a professor of law at the University of Nablus, has called climate change, and the associated loss of biodiversity, the greatest threat to the rights of Africans [JURIST op-ed].
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I woke up this morning with a headache again, but my hunger was gone. I drank two cups of green tea, took two aspirin and started feeling better. By mid afternoon I started feeling like my old self again, energy was back, not nauseated, no lingering icky feeling. Today was a good day. By dinner time I had to force myself to eat dinner, I wasn't hungry. By dinner I hadn't had any fruit either but decided I should so I had 1 of my fruits which I chose a few strawberries. I put on some jeans this morning, they felt the same but when I put my belt to my surprise I had to tighten by a hole! That made me smile. It's working!! The one thing I can say is when doing this diet portioning out your protein, vegetables before hand is a big help and oh how I love my George Foreman Grill!!!
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The first indication that it's a winner is that Kraft Food and Family Magazine publishes it at least once a year, sometimes more. Second is that my son always asks for seconds on (he's a good eater, but he likes to get to dessert most of the time and doesn't waste time with seconds…which is why his pants are always falling down!). Finally, when I served the leftovers to a friend, she immediately asked for the recipe, and we joke about how often we both make it. It's truly a go-to meal when you're not sure what else to make.
If you forget the Parmesan cheese like I often do, there are only 5 ingredients, so you can do it from memory without searching for the recipe. Gotta love that!
The print version of Sausage Spinach Pasta Toss is first, the pictorial recipe follows. Read on for healthy upgrades to the basic recipe and make-it-from-scratch substitutes for some of the ingredients.
Sausage Spinach Pasta Toss |
- 2 cups uncooked short pasta
- 1/2 lb. hot or mild Italian sausage, or try making homemade sausage
- 7 cups (6 oz.) baby spinach leaves (about half a bag or box, or as much as you can fit in your skillet)
- 1 can (14.5 oz.) diced tomatoes with basil, garlic and oregano, undrained
- 1 cup shredded mozzarella cheese
- 2 Tbs grated Parmesan cheese
- Cook pasta as directed on package.
- Meanwhile, crumble meat into large skillet and cook through, stirring occasionally.
- Drain grease.
- Add spinach and tomatoes.
- Bring to a boil and cook 2 minutes or until spinach is wilted, stirring occasionally.
- Drain pasta and add to meat mixture.
- Add cheeses and mix lightly.
Sausage Spinach Pasta Toss
2 cups uncooked short pasta (about half a box, $0.25)
½ lb. hot or mild Italian sausage, or try making homemade sausage ($0.50-80)
7 cups (6 oz.) baby spinach leaves (about half a bag or box, or as much as you can fit in your skillet, $0.50-2.00)
1 can (14.5 oz.) diced tomatoes with basil, garlic and oregano, undrained ($0.50)
1 cup shredded mozzarella cheese ($0.75)
2 Tbs grated Parmesan cheese
Cook pasta as directed on package. Meanwhile, crumble meat into large skillet and cook through, stirring occasionally. Drain grease. Add spinach and tomatoes:
Bring to a boil and cook 2 minutes or until spinach is wilted, stirring occasionally.
Drain pasta and add to meat mixture; add cheeses and mix lightly.
Click here to see ideas to use up the rest of the bag of spinach so you don't waste!
Cost: $2.50-4.30, depending on organic vs. conventional spinach and your meat selection. Just add salad and garlic toast for a complete meal!
Super foods: 2 (or up to five if you do some of the upgrades below!)
Healthy Upgrades:
- Use whole wheat pasta instead of white – lots more nutrition, but more $ as well
- Use ground turkey with sausage seasoning (directions here) instead of sausage; from pastured turkeys even better, or grass-fed ground beef works fine with Italian sausage seasoning
- Make your own Italian diced tomatoes (I had to learn to do this when I avoided all white sugar for 40 days)
"Homemade" Italian Diced Tomatoes
- 1 can regular diced tomatoes, undrained (if you're canning this summer's bounty, what an amazing meal summer tomatoes would make in this dish!)
- olive oil
- a few cloves garlic (depending on your mood, I used 3 last time)
- 1 tsp Italian seasoning
- 1 tsp basil
- ½ tsp parsley
- pinch rosemary
- 1 tsp molasses (blackstrap adds iron)
Saute the garlic in olive oil for a minute, right with the already cooked and seasoned meat in this recipe. Add the molasses and stir so that it coats the meat, then the tomatoes and all the spices. Proceed with instructions for meal.
If you follow all the upgrades, you get 4 super foods (adding olive oil, turkey and fresh garlic), but you also end up with 16 ingredients instead of 5! Yowza! Make your choices wisely so you don't burn out – not everything has to be homemade "from scratch!"
What to do with the rest of the meat?
One of the reasons I love this recipe is that it allows me to stretch my meat budget (one pound for two meals). But what about another recipe with half a pound of meat, since you usually have to thaw the whole thing?
Options include:
- Spaghetti with ½ pound of meat, or ½ pound plus an equal amount cooked lentils or pinto beans
- Sloppy joes with ½ pound of meat and equal amount cooked lentils
- Sausage patties for breakfast with your eggs
- Add another pound of meat and make tacos
- Add a few pounds of meat for meatloaf
- Try your favorite ground meat casserole with just ½ a pound (but not if your husband's FAVorite meal is lasagna!)
- Use less meat (or make half a batch) in a recipe like Sausage, Bean and Kale Soup, Sausage Zucchini Bake, Turkey Chili, or…
- Add meat to a recipe like Cuban Black Beans and Rice or Tuscan Bean Soup
Kitchen Stewardship is dedicated to balancing God's gifts of time, health, earth and money. If you feel called to such a mission, read more at Mission, Method, and Mary and Martha Moments.
I'd love to see more of you! Sign up for an email subscription or grab my reader feed.
If you missed the last Monday Mission, click here.
Other Recipe Connections:
I'm pleased to participate in Tempt My Tummy Tuesday at Blessed With Grace, Tasty Tuesday at Balancing Beauty and Bedlam, Tuesdays at the Table at All the Small Stuff, The $5 Dinner Challenge this week, Grocery Cart Challenge Recipe Swap, The Make it from Scratch Carnival, Friday Feasts at MomTrends, Frugal Fridays at Life as MOM, Foodie Friday at Designs by Gollum, and Mouthwatering Mondays at A Southern Fairy Tale.
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I use "adobe presenter" transfer powerpoint slides to pdf with audio under windows 7. When I open the pdf document under windows, everything is all right. However, when I open it with adobe reader 9 under ubuntu linux, it showes me "A 3D data parsing error has occurred", and I can see nothing.
Please tell me how to overcome the problem.


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Volume 231, Preface 14 View pdf image (33K) |
XIV volunteers and drafted men, we find the funded debt of the Respectfully submitted, WILLIAM J. LEONARD, Comptroller.
Volume 231, Preface 14 View pdf image (33K) |
|| Search the Archives || Education & Outreach || Archives of Maryland Online ] Governor General Assembly Judiciary Maryland.Gov |
An Archives of Maryland electronic publication.
For information contact


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Indianapolis Colts
Dwayne Allen - #83 - TE
Status | Active |
Height/Weight | 6' 3"/ 255 lbs. |
Birthday | 02/24/1990 |
Birthplace | Fayetteville, NC |
College | Clemson |
Years played | 2 |
Drafted | 2012, 3rd round, 1st pick by Colts |
Colts add OT Cherilus, CB Toler
The Colts addressed two significant needs in the opening hour of free agency, signing former Lions OT Gosder Cherilus and CB Greg Toler, formerly of the Cardinals.
Indianapolis Colts: 2013 team needs
We highlight the top three needs on offense and defense for the Indianapolis Colts, and take a look back at their 2012 draft class.
Report: Colts tag P McAfee
Colts P Pat McAfee received the franchise tag on Friday, Mike Garafolo of USA Today Sports first reported.
Freeney's exit latest example of Colts' sea change
It became official Friday: Dwight Freeney, the Colts' all-time sacks and forced fumbles leader, won't be back in Indianapolis in 2013.
Colts inform Freeney he won't be re-signed
The Colts on Friday informed their all-time sacks leader, Dwight Freeney, that he won't be back with the club in 2013.
Colts' offense will have plenty of pep under Hamilton
Bruce Arians took his big-strike, vertical offense to the desert, but the new guy in town, Pep Hamilton, has some very exciting and sensible ideas.
Pagano feeling lucky after battle with cancer
Colts head coach Chuck Pagano is beginning to feel more like his old self after battling cancer all fall.
Indy organizers eager to bid on 2018 Super Bowl
Organizers in Indianapolis plan to run a clean, positive campaign to win a bid for the 2018 Super Bowl.
Colts add two assistants
The Colts added Hal Hunter and Tim Berbenich to the team's offensive coaching staff on Wednesday.
14-year veteran C Saturday to retire
Veteran C Jeff Saturday told WFNI-AM in Indianapolis on Friday that he will retire following Sunday's Pro Bowl.
Colts hire former Stanford OC Hamilton to run offense
The Colts hired Andrew Luck's former offensive coordinator to fill the same role in Indianapolis, Pep Hamilton.
Arians wins Coach/Assistant Coach of the Year honors
Bruce Arians was voted the Coach of the Year and Assistant Coach of the Year by Pro Football Weekly and the Professional Football Writers of America.
Cardinals hire Arians as head coach
Arizona hired former Colts offensive coordinator Bruce Arians as its new head coach.
Grigson voted PFW/PFWA Executive of the Year
In his first year on the job in Indianapolis, Ryan Grigson overhauled the roster from top to bottom and delivered a surprising playoff berth.
The Indianapolis Colts have signed Allen, their third-round draft pick in April.|||||||
Allen is expected to help rookie quarterback Andrew Luck transition to the NFL. Colts coach Chuck Pagano and offensive coordinator Bruce Arians say they could use lots of two tight end formations. Luck also is accustomed to giving tight ends a hefty workload from his college days at Stanford.


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Optimising desktop landing pages is a tricky business, as you need to make sure all the most alluring content is visible along with a clear call-to-action.
These problems are obviously magnified on a smartphone screen as you've got to cram everything into a space just two inches by three inches.
The perennial issue of capturing smartphone conversions is one we've addressed before in posts looking at mobile checkouts and best practice for mobile CTAs.
And optimising landing pages is a big part of increasing conversions, as mobile users tend to be impatient so they need to be able to access the relevant content within a few clicks.
And with that in mind, here are 12 things to remember when optimising a mobile landing page.
Read more...
by David Moth 25 February 2013 12:25pm 0 comments


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- Norse: In Norse mythology, the wellspring of cold in Niflheim and the source of all cold rivers.
Syllables: 3
Check Out Our Great Ways to Find the Perfect Name!
Generate a baby name
Search for the perfect baby name
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Location: Szczecin, Poland
Member since: May 2011
Sep 26, 2013
" Very professional freelancer. Product was exactly like a wanted and no problems with many revisions.Only thing to note is deadline, freelancer did not manage to complete project within timeframe. "
Mar 7, 2013
" Really creative freelancer. If you need something done right and to look AMAZING - there is no other choice! "
Feb 10, 2013
" Excellent design work, very patient and understanding freelancer. Went above and beyond the initial scope. Will definitely come here first for future work. "
westernbloc [ Incomplete Report ]
Dec 3, 2012
" This project was not completed as I believe there were some communication barriers between me, the employer, and the designer. Or perhaps we just did not gel as a team. I found the designer to be very responsive to my emails, and very fair. I would recommend him to others for design work. "


text:
When Earthlings Weep
Mickey Thorn has horribly frightening and realistic nightmares. When he awakes, the nightmare's grip still affects him to such a point that he can't tell the difference between the nightmare he was just having and reality. Mickey knows he is suffering from night terrors... much worse than regular nightmares. What if, instead of bad dreams, this is real? Are monsters actually visiting him during the night? Or, is he losing his mind?


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Offered at: | (B-INTENS, X) |
Credit point(s): | 1 |
Offerings: | Trimester 1 |
EFTSL value: | 0.125 |
Unit chair: | S Minahan |
Prerequisite: | Nil. |
Corequisite: | Nil. |
Incompatible with: | MPM712 |
Contact hours: | Burwood Intensive offering: Unit is taught face to face intensively in blocks during the trimester; that is, classes are not held on a weekly basis. The intensive classes will be held at the Burwood campus on the following dates between 10.00am and 5.00pm: Block 1: Friday 11 April and Saturday 12 April Block 2: Friday 9 May and Saturday 10 May Note:
Note: Online teaching methods require internet access. Please refer to the most current computer specifications. |
This unit forms part of the DBA program and focuses on the innovation process, including what is sometimes labelled "intrapreneurship". The beginning of the process is often one person's idea. This unit looks at how ideas can be developed by knowing what to look for in the environment and the firm. Ideas must be shared, supported and then screened with a rigorous process to determine their potential for commercialisation. This potential will depend largely upon the culture, resources and strategic direction of the organisation (including its "dominant logic").
Written Assignment 1 4000 words 40%, Assignment (Contribution to online discussion) 20%, Written Assignment 2 4000 words 40%
Unit Fee Information
Student Contribution Rate* | Student Contribution Rate** | Fee rate - Domestic Students | Fee rate - International students |
$1260 | $1260 | $2875 | $3589 |
* Rate for all CSP students, except for those who commenced Education and Nursing units pre 2010
** Rate for CSP students who commenced Education and Nursing units pre 2010
Please note: Unit fees listed do not apply to Deakin Prime students.


text:
The rain and storms are pretty much out of the Huntsville area.
Much chillier air arriving this afternoon behind a strong cold front.
Temperatures will drop from around 60 early this morning into the upper 40s by mid afternoon. Temperatures will continue the downward plunge tonight with lows in the upper 20s.
Sunshine returns tomorrow but temperatures will only reach the mid 40s for highs.
The remainder of the week looks quiet with seasonably cool weather. Highs will be mainly in the 50s with overnight lows in the 20s to low 30s.
Some more rain is possible over the weekend with temperatures staying in the 50s for highs.
To keep up with severe weather warnings and other weather alerts, download the WAFF 48 Storm Team weather app or sign up for text alerts. You will receive up to 5 msgs/day. Text HELP for help. Text STOP to stop. Msg&data rates may apply.
If you see storm damage where you are and can safely snap a picture, email photos to email@example.com.
Copyright 2012 WAFF. All rights reserved.


text:
When you think old and outdated names, Gene is probably at the top of the list. Since its happy-go-lucky heyday in the Gene Kelly-era, Gene, and it's full-version Eugene, have danced their way out of the spotlight and way backstage. The name may have recently gained some cool points after Oasis lead singer Liam Gallagher named his son Gene.
- Greek: Well born, noble
Syllables: 1
Actor Gene Hackman, Actor Gene Kelly, Actor Gene Autry, Actor Gene Wilder
Son of Liam Gallagher
Check Out Our Great Ways to Find the Perfect Name!
Generate a baby name
Search for the perfect baby name


text:
This item is eligible for leasing to those who have been in business for at least two years. Leasing terms range from 24 to 60 months, and can feature either $1 or 10% buyout options.
Please note that a minimum order total of $5,000 is required for consideration. Upon receiving your application, a credit check will be conducted by our leasing company.
If you would like more details about leasing this or other items, please call us at 1-800-CALUMET (225-8638).
If you would like to initiate the leasing process, simply add this item to your cart and choose "Lease" in the payment section of checkout. A representative will contact you after you have submitted your order to collect additional information.
44" x 40' roll of Anasazi Canvas Premium Matte.
Anasazi Canvas Premium Matte is made from a poly/cotton blend. It is a true archival water-resistant inkjet canvas with a neutral pH that is compatible with both dye-based and pigment based inks. The material is specially crafted to be flexible for stretching and framing while maintaining durability without cracking or tearing.


text:
A. Introduction
University policy and federal law require a review of research and teaching projects involving live vertebrate animals for humane treatment and judicious use of vertebrate animals. At Loyola University Chicago, adherence to this policy and federal law is assured by the Institutional Animal Care and Use Committee (IACUC) through review of this application. Loyola University Chicago is committed only to complying with regulations, and to requiring the highest possible standard of professional and ethical conduct of all its faculty, students and staff. This application form serves that general goal in several important ways. It permits the IACUC and the Office of Research Services to maintain accurate records to meet statutory requirements. It also offers Loyola faculty the chance to explain - to their peers and potentially to a wider public - the ways in which animals are vital to their work and how that work serves the public at large.
For additional information, please contact the Office of Research Services at 773-508-2985.


text:
Download Preview | Edit or add effects |
by Loskutnikov Maxim, Stock Photo 15245540
anniversary, arm, beauty, birthday, blossom, bouquet, bud, bunch, celebration, color, costume, date, day, dress, event, floral, flower, foliage, gift, giving, green, group, hand, holiday, isolate, isolated, large, leaf, love, man, many, mothers, nature, petal, present, red, romance, s, saint, season, shirt, spring, stalk, stem, suit, surprise, tulip, valentine, white
Made with love in NYC.
Bigstock and Big Stock Photo are registered trademarks of Shutterstock. Bigstockphoto is a trademark of Shutterstock.
© 2004-2014 All rights reserved - Bigstock®


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This stylish pendant will look good weathering the outdoors due to a weathered charcoal finish complemented with seeded glass. The light's design was inspired by fixtures in Chicago's Hamilton Park that were designed in 1904. Choose this 2-light flush mount to update the outside of your home; order now.
You asked and we simplified! We are dedicated to making your shopping experience easier than ever, so we created Simple Shipping:


text:
Wednesday, March 12, 2014
By Kevin Thomas firstname.lastname@example.com
Staff Writer
The trail has been blazed. Bryce Brentz should know what to do.
Just follow Will Middlebrooks, and you will find yourself a regular in the Boston Red Sox lineup.
Piece of cake, right?
These baseball prospects are robots after all. One talented player succeeds. Another one should be able to shine down the same path.
Brentz, 24, listened to my tongue-in-cheek reasoning with patience.
"I would love to sit there and say this is what will happen -- that I'll do the same thing he did in Pawtucket and then get called up to Boston," Brentz said. "We're two different ballplayers. Will is Will. He's a very talented ballplayer."
Brentz is not bad himself. But, of course, the Middlebrooks comparison is unfair.
It's just so tempting.
Middlebrooks, now 24, came into his own playing third base for the Portland Sea Dogs in 2011, batting .302 with 18 home runs in 96 games. He got a taste of Pawtucket at the end of the year and then honed his game even more in the prospect-rich Arizona Fall League.
In 2012, Middlebrooks broke out, reaching the majors and staying put, hitting 15 home runs in 75 games before breaking his wrist in August when he was hit by a pitch.
Now along comes Brentz, another free-swinging prospect, who the Red Sox hope can be harnessed into a disciplined power hitter.
Brentz is only three months younger than Middlebrooks. Brentz was drafted out of college in 2010, Middlebrooks out of high school in 2007.
When Brentz played right field for the Sea Dogs in 2012, he batted .291 with 17 home runs in 122 games. Yes, he had 130 strikeouts, but he also walked 40 times for a .355 on-base percentage.
Brentz got a taste of Pawtucket last year, actually starred in the Paw Sox's championship run, and then impressed in the Arizona Fall League.
"It was a short off-season," Brentz said with a smile.
So now what is Brentz's plan?
"I'm trying to figure out the things I want to be more consistent at," Brentz said. "Last year in Portland there were a lot of peaks and valleys. I'd like to stay on the peaks a little more.
"But the valleys are good learning experiences. At every level you have them. Try to make the most out of those."
Brentz would go on streaks last year, going on a tear one month, and then pressing and swinging at bad pitches for a couple of weeks.
"The thing we preach to him is consistency," Red Sox Director of Player Development Ben Crockett said. "He has a good feel for the mistakes he makes. He usually knows what he's doing when something goes awry.
"When he's locked in, he's a pretty good hitter. The more often he can be in that position, with his right-handed power hitter .... we could use one of those."
Boston might have a power right-hander in Middlebrooks. It took him a while to get his batting approach down, to quit trying too hard and let his talent come through. He seemed to figure things out in Portland.
Likewise, Brentz made strides at Hadlock Field last season.
"Had (batting coach Dave) Joppie in Portland always preaching, 'stay with your approach, stay consistent.' Sometimes it's human nature to want to do more," Brentz said. "But really, less is more."
When Brentz was promoted to Pawtucket at the end of the season, it was either the adjustment to a better league or Brentz trying too hard, but he was hitless in his first 14 at-bats.
He then recorded eight hits over his next 17 at-bats, including a 6-for-14 performance in the opening round of the International League playoffs, with two home runs.
Now he is set to return to Pawtucket. But for how long? It was expected that Middlebrooks would play most, if not all of 2012 in Triple-A. But he was called up May 2, and never went down.
"I'm happy for him and hopefully something like that would happen to me," Brentz said. "But it may not. I may come out of the gates and struggle. I may have to learn a few more things.
"I have high expectations for myself. Hopefully I can fulfill them."
Kevin Thomas -- 791-6411
Twitter: ClearTheBases


text: 11/21/2012 Ohio State Signs Three to National Letter of IntentSean Melton, Jacob Dastrup and Andrew Rickly signed NLIs for the 2014 season 06/25/2012 Buckeyes Add Jake Martin to 2013 SquadSharipov signs Jake Martin from Oviedo, Fla. 04/18/2012 No. 7 Ohio State Heads to NCAA ChampionshipsBuckeyes in action at 2 p.m. ET Thursday in NCAA Qualifier at Oklahoma 04/05/2012 No. 6 Ohio State Heads to Iowa for 2012 Big Ten ChampionshipsBig Ten Network will broadcast championships live Friday and Saturday 01/13/2012 No. 7 Ohio State Begins 2012 at Windy City InvitationalBuckeyes in action in Chicago this weekend Casimiro Suarez was named assistant coach of the Ohio State men's gymnastics team in the summer of 2011. Suarez, a native of Havana, Cuba, came to Ohio State after coaching at Orlando Metro Gymnastics in Florida since 2002. A U.S. Junior National Team coach since 2004, he was named the Junior Olympic Coach of the Year in 2010. Suarez served as Cuba's women's national team coach from 1991-1994, was Brazil's women's national team coach from 1995-1998 and also spent three seasons at Oklahoma as an assistant coach for the women's team from 1998-2000. Suarez has coached former Buckeye Tai Lee to many prestigious awards including the state and regional eight champion and a "10.0" honor - awarded to the region's outstanding high school senior in academics and gymnastics. As a gymnast, Suarez was a member of the Cuban National Team for 16 years and won nine all-around national titles. He competed in the 1980 Olympic Games in Moscow, finishing sixth in high bar. Suarez also participated in the World Championships seven times. Suarez has a degree from the School of Superior Physical Education in Havana, Cuba, and brings 20 years of coaching experience to Columbus. Coaching Accomplishments: |


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(B)2.0 cu. ft. Compact Front Load Washer with Versatile Installation(/B)(BR) (P)Save on resources without sacrificing space with this ENERGY STAR(R) qualified front load compact washer. Eight automatic cycles with three temperature settings give you complete control to wash your delicates and everyday items thoroughly, while the triple dispenser holds and releases detergent, bleach and fabric softener. You can also enjoy increased installation flexibility, because this compact washer can be installed under a standard countertop, as a freestanding unit or stacked with its matching dryer. Turns out good things do come in small packages.(/P)
- Flexible Installation
- Adaptive Variable Speed Motor
- Stainless Steel Wash Basket
- ENERGY STAR(R) Qualified
- Meets CEE Tier 1 standards
- IntelliFill(TM) Automatic Water Level Sensor
- 8 Wash Cycles
- Flexible Wash Options
- Automatic Temperature Controls
- Precision Balancing System
- 2.0 cu. ft. Capacity
Additional Information
Manufacturer | Maytag |
Construction | |
Drum Material | Stainless Steel wash basket |
Performance | |
Dispenser Type | 3-tray dispenser drawer ( Detergent, bleach and fabric softener) |
Number of Temperatures | 3 |
Spin Speed | 1200 RPM |
Number of Chambers | 3 |
Detergent Dispenser | Detergent Dispenser |
Tier Level | Tier 1 |
Number of Cycles | 8 |
Heavy Duty Wash | Heavy Duty |
Normal Wash | Normal |
Rinse / Spin Cycle | Rinse / Spin |
Pre Wash | Pre-Wash Option |
Extra Rinse | Extra Rinse Option |
Extended Spin | MaxExtract™ |
Estimated Time Remaining | Estimated time remaining display |
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text:
Open Daily
Extended Hours
NightstandSKU: 200045370
Compare $239.99
Art Van Price $119.99
Availability: In Stock
Decoratice egg & dart lattice overlays accent panels. Removeable color panels. White Pull knobs.
Dimensions:Height - 24.00" Width - 23.00" Depth - 16.00"
Add To Wish List
Color: White
Finish: Replicated white paint.
Construction: Side mount nylon roller drawer glides.
Care Instructions: Clean with soft cloth.


text:
SKU: 455343 Weight: 0.39
In stock
List Price:$8.73 Your Price:$2.84 You Save: $5.89 (67%) International customers, please view our shipping page for information on additional shipping fees. CLICK HERE
LOEW-CORNELL-Woodsies Craft Picks. These handy 3-1/2in craft picks can be used for a variety of craft projects. This package contains 750 plain wood craft picks. WARNING: CHOKING HAZARD-Small Parts. Not for children under 3 years. Imported.


text:
This Site All Emory People
Home » Alumni » Stay Connected
Stay connected with Candler -- and our 7,500 alumni! We produce a monthly e-newsletter and have a Facebook page. Be sure to update your personal information so that we can stay connected with you. Review past alumni webinars and check the schedule for what is upcoming.


text:
Latest News
Oct. 10, 2005
Morningside College professor Dr. Stephen Coyne's fiction included in "Best of the South" anthology Dr. Stephen Coyne, professor of English at Morningside College, was selected to have his short story "Hunting Country" published in "Best of the South: From the Second Decade of New Stories from the South," edited by Shannon Ravenel and released this month by Algonquin Books of Chapel Hill, N.C.
"Best of the South" is an anniversary collection of twenty of the best short stories selected from 186 stories included in the last ten volumes of "New Stories from the South," from 1996 to 2005. Pulitzer Prize-winning author Anne Tyler selected the stories and wrote the introduction to the anthology.
The Minneapolis Star-Tribune refers to the stories in "Best of the South" as "fresh and vivid, the writing superb," and People magazine asserts that the selections "epitomize the qualities readers treasure in the best southern literature: a rich appreciation of language and humor, as well as a dead-on sense of place and character."
Coyne's fiction and poetry have appeared in such publications as The North American Review, The Georgia Review, Southern Review, American Short Fiction, Prairie Schooner, and elsewhere. He was the recipient of the New Jersey State Council on the Arts Individual Artist Fellowship in 1998 and has received a number of writing awards, including first prize in The Mississippi Review's 1996 fiction contest and the Prairie Schooner's 1991 Reader's Choice Award.
Coyne has been a professor of English at Morningside since 1988, where he teaches creative writing and American literature. He is the creator and coordinator of the Sioux City Reading Series, which brings nationally published poets, novelists, and short story writers to Sioux City. He graduated from Catawba College in North Carolina in 1972 and received his master's degree from the University of North Carolina in 1976 and his doctorate from the University of Denver in 1988.


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'HawthoRNe's' Michael Vartan gets it on with Jada Pinkett Smith
Spoiler Alert: If you haven't seen it yet, stop reading now.
It began with an auto accident that injured Wakefield and killed his pal Paul (Kenneth Choi), and ended with Wakefield in a passionate clinch with head nurse Christina Hawthorne (Jada Pinkett Smith) that culminated in him proposing marriage.
"The good doctor is having a hands-on relationship with the head of nursing," Vartan tells Zap2it. "It's television. I guess it was just a matter of time, and they decided to do it now rather than later. Tom and Christina are getting it on."
Asked if this plot twist is going to cause any problems with Smith's husband, actor Will Smith, Vartan says, "I don't think so. Even last year, we liked to joke that Will is our ghost producer, because, although his name isn't on the actual project, he definitely lends his talent to it, which is great.
"The more Will Smith you can get, the better off you are. He, from the get-go, realized you can go two ways on TV. You can either do the 'Moonlighting' thing and keep the characters apart forever and let the audience beg for them together -- 'Alias' kind of did that between my character and Jennifer Garner's -- or you can just do it.
"I think the reason they chose to go for it, in our case, is the work environment is is so intense that a peaceful, sweet little love story is almost impossible. That's why they decided to do it, because it does bring so much conflict in between the two, with the power struggle in their positions, the hierarchy, all that stuff."
As for not-so-sweet love story itself, Vartan says, "They have a full-on, very complicated, very passionate, very physical, very messy, very aggressive, full of fights and make-ups and break-ups, very fun, kind of nuts, relationship."
Since Will Smith is fine with all this, that leaves the question of Vartan's fiancee, Lauren Skaar, whom he met in a Whole Foods parking lot when he "went up to her and begged her to take my email. She did, and the rest is history. She had no idea who I was, which made it even better."
According to Vartan, the "HawthoRNe" love scenes won't be a problem for Skaar.
"She's a mature, wonderful young lady," says Vartan, "who understands the sometimes not-so-fun part of my business."
But the future might be another matter.
"I'll tell you this," Vartan says, "now that I am getting married, I will definitely not be down for that anymore. Before, I didn't care; it was part of the job. If it's going to make the person I'm in love with feel really uncomfortable, I totally get it. I wouldn't want her to do it, so I have to honor that commitment."
But Vartan is still a showbiz realist.
"Look," he says, "if someone comes knocking on my door for 'Titanic 2,' and they're offering me $2 million to do it, and there's a love scene, I'll sit my fiancee down and say, 'Honey, this will pay for the kids' college tuition, so let's just do it.'
"Love scenes, they're so completely unromantic. As you know, there's a crew of 30 around. There's a boom microphone up your rear end. It's more of a mechanical exercise than anything. But it's still not fun for the other person.
"This is the first time I've ever been committed and having to do a love scene with anyone, and I can only imagine how it would make her feel. Can't be fun. I wouldn't like it, for sure."
Vartan says that the women in question have a relationship of their own.
"Lauren has met Jada several times," he says, "and they love each other. They're good friends. Lauren knows what a wonderful wife Jada is to Will and what an amazing relationship they have. This is so not dangerous, because these are two people who are madly in love with their spouses.
"They're just going to have to do this for a couple of hours on set, and both parties understand that it's completely a professional situation."
As for Vartan's real-life romance, he says he and Skaar are planning to wed next April in Newport, Beach, Calif.. It might be by the sea or in a hotel, but it won't be on a boat.
"A boat could be a logistical nightmare," Vartan says. "Can you imagine, at the moment where the bride is supposed to say 'I do,' she vomits on me?"
Photo credit: TNT
@Jeremy, Yeah you should contact a Personal Injury Lawyer and get a free consultation, explain to them what exactly and they will help you, one of my friend recommended this http://bit.ly/aK73S0 hope you feel better soon
He sounds pretty uncomfortable with the love scenes - I've never seen an actor really say anything like this.
It's refreshing to here an actor be as candid as Vartan is. Knowing there's a camera inches from your face while kissing a co-star and you're still able to make the screen smolder - awesome actors!
Jada and Vartan seriously steam up the screen together!
Why are they making a big deal out of this? Is it because the female actor is black and the male actor is white? Actors do love scene all the time.
You go Michael, and kiss that sexy cute hot black woman. Get all that you can baby! Taste her too baby!


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UW-Parkside Picture: Saluting Vets
The University of Wisconsin-Parkside paused Monday to honor the men and women who have served our country in the U.S. armed forces. A belated noon hour Veteran's Day ceremony in Main Place of Wyllie Hall focused this year on the contributions made by women. The audience heard from both those in uniform like Army Reservist and UW-Parkside nursing student Teri Christianson and those fighting the battle on the home front like student and mother of two Kristine Perez whose Marine husband is currently stationed in Bahrain. Chancellor Debbie Ford said more than 200 UW-Parkside students are vets and she said she has asked her administrative team to see what more the university to do to serve the student soldiers who have served our country. Vet and soon-to-graduate student Jim Lentz served as emcee. The program was sponsored by the Parkside Military Veterans Organization.
Story Status: Archived
Publish date: 11/12/2012
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Online auction giant eBay enjoyed a good Christmas period, particularly in the UK and Germany, as fourth quarter earnings turned out to be higher than expected.
A rush to buy hard to find games consoles like the Wii and PS3 was one of the reasons given for the success, as total revenue for the last three months of 2006 reached $1.7bn, a 29% rise on the same period a year earlier.
Read more...
by Graham Charlton 26 January 2007 11:37am 1 comment
Online auction giant eBay has acquired StubHub, an internet tickets marketplace, which deals in tickets for sports and entertainment events. The deal is worth $310 million.
Launched in 2000 and based in San Francisco, StubHub's site managed $400m (£206m) in ticket sales site last year, earning a profit of around $10m (£5m). The secondary ticket market in the US is estimated to have a turnover of $10bn per year.
by Graham Charlton 11 January 2007 13:10pm 1 comment
Sainsbury's has blocked the majority of voucher codes on its website, after mischievous customers found they could get massive discounts through a loophole in its coupon campaign.
The supermarket clearly hasn't learned the lessons provided recently by toy retailer Hamleys, whose warehouses were almost stripped bare by discount-hungry consumers in the week before Christmas.
by Graham Charlton 10 January 2007 09:59am 0 comments
Skype founder Niklas Zennstrom has said the 'Web 2.0' phenomenon is built on more solid foundations than the first dotcom explosion - but a crash could be on the way.
Speaking to delegates at the Le Web 3 conference here in Paris today, Zennstrom said: "The big difference this time from six years ago is that we have the infrastructure built out now - in 2000, very few people had computers."
by Robert Andrews 11 December 2006 09:58am 1 comment
Over two thirds of UK retailers are missing out on potential revenues by not offering their goods for sale online, according to a survey by Barclaycard.
The company said many retailers are reluctant to embrace e-commerce because of the perception that set up costs are too high and that a high level of technical know-how is needed.
by Graham Charlton 29 November 2006 11:07am 0 comments
Internet auction site eBay has announced a 10% rise in its third-quarter profits, posting a 31% increase in sales, to $1.4 billion (£748.9m) in the three months up to September. The company's net income was $281 billion.
The profits rise was driven by a growth in its auctions; its payment service PayPal increased revenue by 41% over last year's third quarter results.
by Graham Charlton 19 October 2006 15:01pm 0 comments
Carphone Warehouse has launched a new auction website dedicated to the sale of mobile phones and accessories in an attempt to compete with eBay in this space.
The site, mymobileauction.com, offers buyers the chance to search and bid for mobiles as they would on eBay, and allows those looking for a mobile to narrow down their search.
by Graham Charlton 17 October 2006 14:53pm 9 comments
Auction website eBay has today launched the UK version of its new online shopping service, eBay Express. The site will sell both new and used goods at fixed prices.
All of the sellers on the site have been signed up to a professional code of conduct by eBay, to ensure that they all offer returns policies and guaranteed delivery dates.
The company hopes that the site will attract those shoppers who prefer a more more conventional e-commerce shopping experience.
by Graham Charlton 09 October 2006 17:57pm 0 comments
Social networking site Bebo could be set to take over from eBay as the UK's most searched for site, according to a study by Hitwise .
The analyst group says the number of UK web searches for 'Bebo' has tripled in the past six months and risen by 17.6% in the past quarter alone.
by Richard Maven 06 October 2006 10:07am 4 comments
eBay has teamed up with The British Museum and the Museums, Libraries and Archives Council in an attempt to cut down on the illegal sale of antiquities on eBay.co.uk.
by Richard Maven 03 October 2006 15:46pm 0 comments


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You see, being a Leftist, Dorner has "good intentions". All things flow from there.
Yeah, just like they are being fair in their investigation of shooting up a paperboys truck.
Up is down and down is up. Right is wrong and wrong is right. We are now in Alice´s Wonderland.
Lucky his name wasn´t Kowalski from Mt. Carmel PA and of Northern Europeaan heritage!
i will give the LAPD the benefit of the doubt (and that doubt is not trivial) and say that they are doing the review to keep this arrogant murderer from killing again
Wonderful. Now when they kill him, he will become a martyr.
#5 is probably right. Those of us who read Dorner´s manifesto know that he said he would stop killing when the person who wronged him - Sgt. Teresa Evans, the training officer who said he had lied when he reported her for kicking a mentally ill man in the chest - apologized and told the truth.This is the basis for Beck´s strategy.
Gee, they sure are treating that hero-killer-cop-christopher dorner different than George Zimmerman! Wonder what the great obama thinks about the actions of someone who really COULD be his "son"...never mind.
#5 and #7, It will not matter to Dorner what the outcome is or what they are doing. In Dorners mind, he "knows" they are out to get him and the investigation will not matter one iota. The LAPD is investigating to cover their own butt.
The department is investigating the Dorner firing to avoid a PR nightmare when they take Dorner out. By reexamining the discipline that set Dorner off in murderous vengeance to begin with, they make it harder to reason that he´s being killed to cover-up departmental wrongdoing.
This will be interesting...
And what if the review finds that the firing of Dorner was inappropriate? Can´t bring back to life those he just murdered.
So, after their new investigation, are they going to re-hire him? With a pay raise, new benefits and a settlement for the time he was out of work? Nothing would surprise me in these ultra PC times.
If he´s taken alive, he´ll be the new Mumia.
LAPD shot up third vehicle - notice all the yellow tags - bullets fired.http://www.nodeju.com/36249/police-shoot-at-third-innocent-victim-looking-for-christopher-dorner.htmlLocked down Lowe´s for 3 hours due to a "sighting". Takes 3 hrs. to have customers walk thru line at door???LAPD looking like fools IMHO.


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Docs: Man admitted throwing toddler at toilet
Updated: 17 mins agoThe 28-year-old man would be eligible to face the death penalty if he is indicted and then convicted of aggravated murder in the death of the 2-year-old boy.
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The 28-year-old man would be eligible to face the death penalty if he is indicted and then convicted of aggravated murder in the death of the 2-year-old boy.
SoloPower got a $10 million loan and $20 million in tax credits from state and local agencies. It shut down its Portland factory last June.
The 5,000 square-foot home was under construction.
Police are searching for the suspect.
The rest area along southbound I-5 near Ridgefield was closed for hours while Washington State Troopers search for a wanted man.
he parents of two Vancouver middle schoolers said their daughters are the targets of cyberbullies, and the police are now investigating.
The Clatsop County District Attorney is looking into allegations of misconduct surrounding the man now accused of beating a 2-year-old boy in a Southeast Portland motel Tuesday night. The boy died late Thursday afternoon.
After a KOIN 6 News investigation revealed the Powell Butte Reservoir is failing its leak tests nearby residents received letters from the Portland Water Bureau that said the report was "misleading."
In what investigators believe was a premeditated act, a 17-year-old and his friend are accused of shooting the teen's parents, killing his mother and seriously wounding his father.
The new dad showed his patience as his three little ones jumped all over him.
A judge ruled a 6-year-old Oregon girl must go live in Mexico with her recently deported father.
The Old Trolley Bridge is in danger of collapsing at any time on the Clackamas River after engineers noticed "significant and alarming" movement Thursday morning.
Weeks after the Portland Interscholastic League excluded Benson from their Fall 2014 athletic schedules, the decision to yank the programs from the focus school was reversed.
Heavy rain and strong wind likely caused a tree to uproot in Northwest Portland, bringing it crashing down on a Firestone Tire store.
SWAT conducted the raid in response to numerous neighborhood complaints that it heroin was being sold out of the home.
A motor home, which police believe was stolen, crashed through a chain linked fence at the Rose City Cemetery, police said.
The incident forced the Southwest flight to make an emergency landing in Portland.
The overall inflation rate for the eight-county Portland-Salem-Vancouver area was 2.8 percent last year.
Police said the seized drugs had a combined street value of $45,000.
Can Brian Druker use Phil Knight's big bucks to turn OHSU into a top tier cancer research center?


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Due to the combination of overnight rains Thursday night/Friday morning and the threat of more rain Friday night and/or Saturday in the Wilburton area, the 2013 Kiamichi All-Star Classic Softball and Baseball Games have been canceled. They were to have been played at 2 and 4 p.m. Saturday at Eastern Oklahoma State College in Wilburton, but have been canceled due to the threat of inclement weather and field conditions. No make-up date has been set.
The second annual Brittney Cox Memorial Golf Tournament 2-Man Scramble will take place at noon June 29 at Choctaw Country Club. Lunch will be served at 11 a.m. The event was slated for April 27 but was rained out. The entry fee is $135 per team, but for teams that have golf carts their fee will be $120. Mulligans will be available at $10 for two, with a limit of two per golfer. All proceeds will benefit Poteau High School. For additional information, call Cody Cox at (918) 649-7980 or Brenda Sanders at (918) 649-4039. ŌĆó ŌĆó ŌĆó
According to Michael Davidson, emergency management director,significant flooding has occurred overnight in areas of central and southern LeFlore County. Some areas received over 6ŌĆØ of rain fall in storms that were slow moving or training over the same general area, said Davidson.
The first week of games in the 2013 Panama Summer Softball League was rained out Thursday afternoon and night. Panama coach Grant Ralls said the complete 21-game slate of games that were rained out Thursday will be rescheduled, but the date has not been set. Week 2ŌĆÖs games will be played next Thursday, beginning with a game at noon and ending with three games starting at 8 p.m. The complete Week 2 schedule will be printed in next Thursday morningŌĆÖs edition.
Saturday Tri-State Speedway at Pocola B Modified Race 1. Kyle McAllister, Fort Smith, Ark.; 2. Brandon Wilson, Fort Smith; 3. Dallas Bourland, Fort Smith; 4. Camden Perry, Lincoln, Ark. Factory Stock Race
The ninth Annual ŌĆ£Hooked On FishingŌĆØ Kids Tournament will be from 7 a.m. to noon Saturday at Long Lake Resort. There will be a hotdog bash after the tournament for all who attend. Jacques and I will try our luck again this year, and I have a secret bait that will surely catch a few big ones! I'm always looking for new lures that some how have magical powers to fill the boat. Save the world, recycle. God bless our troops and veterans. Have a great weekend. ŌĆó ŌĆó ŌĆó
Glinda Gail McClain, 58, of Spiro died Wednesday, May 29, 2013. Services will be held at 10 a.m. Saturday, June 1, at Mallory-Martin Funeral Home Chapel with burial in Spiro City Cemetery.


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Social Networking for Fashion Doll Lovers
She is wearing clothes I made her, from my Ooh La L'Automne collection. My son and I carved the little pumpkin for Hallowe'en.
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Home > News and Events > Speeches |
Speech |
McDonough: Risk Management, Supervision,
and the New Basel Accord |
February 4, 2003 | |
William J.
McDonough, President and Chief Executive Officer Remarks by President William J. McDonough before the Bond Market Association 2003 Legal and Compliance Conference, New York City Thank you, Paul, for your kind introduction. It's a pleasure to be here today, especially since the important work that compliance and legal officers carry out in their own institutions complements very well the responsibility financial supervisors have to promote safety and soundness across the entire financial services sector.As legal and compliance professionals, the issue you are really addressing is how, and to what extent, your institution is managing risk. To outsiders, this process can appear, superficially, to be formulaic and rules-based. You and I know, however, that corporate governance depends on more than just a company's compliance with rules. We are all learning that effective corporate governance emerges from the business culture that a company nurtures throughout all of its operations. In recent months, we've witnessed what happens when firms fail to develop the commitment to manage risks appropriately. Avoiding the corporate debacles of the recent past requires a clear and consistent message, as well as a transparent pattern of behavior, that must first emerge from the boardroom. It must then filter down to the executive offices, the front offices, and the back offices. In a similar vein, the work of financial supervision is moving away from a purely retrospective, rules-based approach. This is particularly true in the banking world. Bank supervisors in the United States and many countries around the world are assessing the safety and soundness of banks based less on the strength of the balance sheet today, and more on the strength of controls that will safeguard a bank's financial health tomorrow. Still, we believe that evaluating the strength of controls is, in itself, not enough. Indeed, the tremendous competitive spirit and ingenuity of the financial services sector drives rapid innovation in the goods and services offered. As those offerings evolve, so, too, must the structures evolve that are intended to control the associated new risks. Against this backdrop of constant evolution and inventiveness, the job of bank supervisors is certainly not to hinder the responsible pursuit of new opportunities and profits. Rather, it is our job to encourage banks to ensure that their controls evolve with their businesses. The members of the Basel Committee believe that public policy can best support the enhancement of risk management by building incentives directly into our system of supervision, the foundation of which consists of regulatory capital rules. Along that line, the Committee is now engaged in an historic effort to revise the international rules governing the minimum capital levels required of internationally active banks. In doing so, we have endeavored to ensure that the "New Basel Accord" is not merely another set of rules, but rather a framework that recognizes the important innovations in risk management that banks have achieved and encourages continued improvement over time. In my remarks today, I'd like to share with you some thoughts on how bank supervisors have worked to embrace and encourage those developments. My remarks will cover three related areas. I'll begin with thoughts on how enhancements in banks' risk management processes, driven by business imperatives, have concurrently led supervisors to move to a more process-oriented, risk-focused approach to supervision. Next, I'll spend a few moments discussing how provisions in the New Basel Accord - or "Basel II" - support further changes in our supervisory approach, and promote further enhancements in risk management. Finally, I will describe how these developments will be coming together in our supervisory approach going forward --- particularly in terms of our supervisory expectations for management of market risk, credit risk, and operational risk by large banking organizations. While I will offer my views as a former banker and now as a bank supervisor, I believe that many of the themes offer insight for other sectors of the financial services industry as well. Complementary effort by Banks and Supervisors to Assess Risk Let me begin by sharing some thoughts on the efforts banks themselves have undertaken to develop a more forward-looking approach to risk management. Progress has clearly been made in the management of market and operational risks, but the advances made in the area of credit risk are, I think, particularly illustrative. Loan officers and risk managers now have at their disposal an ever-expanding array of software, databases, models, and risk rating systems intended to provide empirical insight into a risk once not readily quantified. Our examiners have noted growing sophistication in banks' internal risk rating processes, portfolio management methodologies, and the use of stress testing. As you know, all of these new tools and processes were developed and refined to promote a bank's competitiveness and to protect it against loss - and not just to respond to a regulatory mandate. The resulting benefits to the stability of the financial sector can be seen objectively in the much lower number of problem banks, and the lower level of problem loans, in the recession that began early last year, compared to the previous one. For bank supervisors, the industry's own growing emphasis on enhancing risk management practices has allowed us to shift our approach from evaluating financial results to understanding and assessing the quality of internal processes. By looking at the strength of internal controls and the quality of analysis and judgement that management applies, we are better able to understand how well a bank will weather potential future challenges or business downturns. In this context, one area that has come under increased scrutiny is how firms manage their compliance activities across the organization. Firm-wide compliance management is an important element of good corporate governance and one that can reveal much about a bank's culture and commitment to managing not only legal and reputational risk, but credit, market and operational risks as well. This shift in emphasis should be evident in the examination findings that the U.S. bankers in the room are receiving. We do not want our examiners to give you back your own numbers, or to limit their evaluation of your institution to where you stand in terms of some rigid regulatory parameters. Such information should hardly be news to you. Nor should it be the principal basis on which we assess your institution. Rather, our dialogue with you should be focused on our evaluation of the rigor of your control processes, and particularly on our view of your risk management practices and systems relative to evolving industry standards. We have the tremendous advantage of breadth of access to firms engaging in a given business line, allowing us to develop a clear perspective on evolving best practices. At the New York Fed, we have looked to maximize this advantage by setting up specialized teams to review specific business lines across the industry in order to develop that informed perspective. A key goal of our new organizational approach is to enable us to share with you our specific insights on best practices across a range of institutions. In the past year or so, I think we have made quite good progress in providing this peer perspective on risk management and controls. In such areas as corporate governance, economic capital estimation, and anti-money laundering, I think we have been able to be quite specific on how well a given banking organization measures up to evolving industry standards --- including what needs to be done to move up to the top rung of performance. I also recognize that there is a tremendous demand for us to provide even more guidance in these dimensions. In the numerous feedback sessions we have had with individual institutions on the quality of our supervisory process, we have heard that message loud and clear. With the maturation of our organizational approach, I fully expect that we will register further improvements in this dimension. The New Accord's emphasis on risk management processes This brings me to my second broad theme - how the New Basel Capital Accord supports further adjustments in risk management and supervisory approaches and how it fits with the current focus on corporate governance practices. Since many of you do not hail from banking organizations, I'll take a moment to summarize the objectives the Basel Committee set for itself in re-writing the international rules on bank capital adequacy. The existing rules, which stem from the relatively simple 1988 Basel Accord, represented an important step in answering the age-old question of how much capital is enough for banks to weather economic downturns. Widespread acceptance in over 100 countries of the first Basel Accord as the international "yardstick" has strengthened the capital base and leveled the playing field for banks that compete internationally. As you may know, by the late 1990s, it became clear that the original Accord was becoming outdated. Its broad-brush nature - where required capital generally does not differ by degree of risk - has had a tendency to discourage certain types of bank lending. It has also tended to encourage transactions whose sole benefit is regulatory capital relief. Further, the improvements in risk management tools changed the way that banks monitor and measure risk in a manner that the 1988 Accord could not anticipate or address. Today it is quite clear that the original Accord provides internationally active banks, for which it was intended, with less meaningful measures of the risks they face and of the capital they should hold against them. To respond to these challenges, the Committee began a few years ago to develop a more flexible and forward-looking capital adequacy framework - one that better reflects the risks facing banks and encourages them to make ongoing improvements in their risk assessment capabilities. The Committee believes that all banks should be subject to a capital adequacy framework comprising minimum capital requirements, supervisory review, and market discipline. These are the three pillars of the New Accord. As you may know, the current Accord only has one pillar - minimum capital requirements. The Committee seeks to align minimum capital requirements more closely with the best industry risk management practices available. This goal is accomplished by giving banks a range of increasingly sophisticated options for calculating capital charges. Banks will be expected to employ the capital adequacy method most appropriate to the sophistication and complexity of their operations and risk profiles. For credit risk, the range of options begins with the standardized approach and extends to the internal ratings-based ("IRB") approach. The standardized approach is similar to the current Accord. Banks will be expected to allocate capital to their assets based on the risk weights assigned to various exposures. It improves on the original Accord by weighting those exposures based on each borrower's external credit risk rating. Without question, the IRB approach is a major innovation of the New Accord. For the first time, banks will be permitted to rely on their own assessments of a borrower's credit risk. The close alignment between the inputs to the regulatory capital calculations and banks' internal risk assessments will facilitate a more risk-sensitive approach to minimum capital. Changes in a borrower's credit quality will be directly reflected in the amount of capital held by banks. How will the New Basel Accord promote better corporate governance and strengthened risk management practices? Here, I will limit myself to emphasizing two key points. First, the Basel Committee has expressly designed the New Accord to provide tangible economic incentives for banks to adopt increasingly sophisticated risk management practices. Banks with better measures of their economic risks will be able to allocate capital more efficiently and more closely in line with their actual sensitivity to the underlying risks. By doing so, the Basel II framework encourages developments in the management of a wide range of risks on a firm-wide basis and developing a more comprehensive approach to managing those risks together. Second, to achieve those capital benefits, the more advanced approaches to credit and operational risk require banks to meet strong process control requirements. Again, the increasing focus on a bank's control environment gives greater weight to the management disciplines of measuring, monitoring and controlling risk. As an example, by relying on banks' own internal credit assessments, the IRB approach builds on the risk management practices that most internationally active banks are already in the process of adopting for their internal purposes. To qualify for the IRB approaches, banks will need to adhere to various specific parameters and standards that may not be fully in place as yet. Our pilot reviews of U.S. bank readiness do indicate that there are a number of areas that both banks and supervisors will need to work on to be ready for full IRB implementation. These include addressing concerns about independence of the rating process, and accumulating necessary internal default and loss data to be able to produce more reliable quantitative estimates. Enhancements in these areas will be important, not just to ensure readiness for IRB, but for further improvement in credit risk management more generally. I expect that there will be further public supervisory guidance on these and other key elements of the IRB approach this year. Operational risk is another area where the Basel Committee is developing a new regulatory capital approach that seeks to provide incentives for banks to improve their management of risk --- one that is designed to build on banks' rapidly developing internal assessment techniques, and to accommodate industry innovation over time. Now that the industry is developing a more refined sense of operational risk - the risk of losses caused by failures in processes - the New Accord will "unbundle" this risk and allow banks to differentiate between, and manage separately, their exposures to credit, market, and operational risks. As with market and credit risk, supervisors will use a number of qualitative and quantitative criteria to ensure the integrity of the approaches that banks develop internally --- but with the criteria structured to be flexible enough to allow for a wide range of qualifying approaches. By allowing banks to test and experiment with a variety of operational risk methodologies and measures, we think that the New Basel Accord's approach to operational risk will be a true catalyst for innovation. Timing for the New Accord As you may know, the revision of the international regulatory capital framework has represented a monumental commitment on the part of both banks and supervisors worldwide and has been, so far, nearly four years in the making. Let me now turn to some of the thinking that has already begun surrounding implementation of the New Accord. To ensure that our new rules have gotten it right, the Basel Committee has just completed collecting data for its third Quantitative Impact Study - or "QIS 3" - in conjunction with supervisors around the world. The industry demonstrated tremendous support for this survey, and 265 banks from nearly 50 countries performed concrete and comprehensive assessments of how the Committee's proposals will affect them. At this early stage, the results suggest that the incentives built into the New Accord are functioning as we had hoped. We are completing a detailed study of the results and will ascertain the need for any adjustments prior to the release of an updated proposal for public comment during the spring. The Committee intends to finalize the New Capital Accord in the fourth quarter of 2003 such that it can be implemented in each member country at year-end 2006. During this three-year period, banks and supervisors are expected to adapt and develop the systems and processes necessary to conform to the standards of the New Accord. In that regard, the supervisory agencies represented on the Basel Committee are making good progress in their preparation for the new framework. To ensure that the New Accord is implemented in a consistent manner across various jurisdictions, such that market competition is driven by each bank's strengths, rather than by differences in each country's rules, the Basel Committee established the Accord Implementation Group. This group is responsible for promoting the consistency and quality of implementation of the New Accord and facilitating the exchange of information among national supervisors about bank and supervisory practices. Through the AIG, senior line supervisors - that is, the people who actually assess banks' risk profiles - are seeking ways for examiners to validate and supervise internal risk assessment processes in a more consistent fashion across jurisdictions. Implications of Basel II on the supervisory approach We've also continued to think about how we should adjust our method of supervision to incorporate the tenets of the new framework, which brings me to the third and final area that I would like to address today. Naturally, allowing banks to rely on internal models in determining their capital requirements has led, and will continue to lead, to changes in our supervisory process. Fortunately, we have the benefit of some experience already at our side. In 1996, under the "market risk amendment" to the original Basel Accord, qualifying banks with large market risk positions were first permitted to incorporate internal estimates of the associated risk in their regulatory capital requirements. When determining whether a bank may rely on its market risk model for capital purposes, our examiners have had to evaluate the technical underpinnings of the model, as well as the risk management and control processes surrounding its implementation and use. They review such issues as whether the model is based on reasonable assumptions, whether the firm is making appropriate use of backtesting, and how the model performs under normal and stressed market conditions. In addition, they are spending significant time on key controls related to the overall use of models, including the model validation process and the new product approval process. Likewise, as banks rely increasingly on their own assessments of credit and operational risk when determining their capital needs, our examiners will have to become well versed in the changing technical aspects of those models. Some of the conventional, static metrics that we now use - such as those to judge asset quality and to assess the adequacy of credit loss reserves - are likely to be supplanted by more quantitative and more sophisticated measures. As is the case with credit risk, supervisors are in the process of developing a more integrated framework for assessing the adequacy of banks' operational risk management and measurement approaches. Our approach focuses heavily on how banks are managing operational risk from a corporate-wide perspective. As with any aspect of corporate governance, a key element of our analysis is developing a feeling for the "tone at the top" - that is, the board of directors' and senior management's commitment to effectively manage its operational risk. Bank examiners will be assessing whether that commitment translates into an effective operational risk management and control structure --- including the quality of management reporting and how well operational risk is integrated into a bank's overall risk management approach. Our analysis includes banks' assessments of their economic capital requirements for operational risk, and how this capital is allocated to business lines to reinforce efforts to improve internal controls. With respect to those specific business lines, we are increasingly looking to drill down to test key controls. The aim is to ensure that the internal processes in place are in fact working and are effective in mitigating relevant risks. Closing Thoughts Clearly, we are making significant progress in the area of risk management - and our supervision of it. However, supervision, and risk management, and indeed our notions of what constitutes good corporate governance cannot be static in this environment. Recent history has proved that some of our greatest challenges and risks lie in not what we know, but in what we have failed to acknowledge or to anticipate. While enhanced risk management can and will lead to better corporate governance through a more accurate measurement and therefore management of those risks, it must be nimble enough to evolve to address the challenges that are ahead, wherever they may lie. Thank you very much. |