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History and philosophy of science
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History of science |
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The history and philosophy of science (HPS) is an academic discipline that encompasses the philosophy of science and the history of science. Although many scholars in the field are trained primarily as either historians or as philosophers, there are degree-granting departments of HPS at several prominent universities (see below).
A Unified Discipline[edit]
While it may seem an umbrella term, as described above, people in the branch of HPS consider this fusion of history of science with philosophy of science to be perfectly natural. Others see it as an historical anachronism, resulting from the misguided approach of the logical positivists. The origin of this hybrid approach is reflected in the career of Thomas Kuhn. His first permanent appointment, at the University of California, Berkeley, was to a position advertised by the philosophy department, but he also taught courses from the history department. When he was promoted to full professor in the history department only, Kuhn was offended at the philosophers' rejection because "I sure as hell wanted to be there, and it was my philosophy students who were working with me, not on philosophy but on history, were nevertheless my more important students".[1] This attitude is also reflected in his historicist approach, as outlined in Kuhn's seminal Structure of Scientific Revolutions (1962, 2nd ed. 1970), wherein philosophical questions about scientific theories and, especially, theory change are understood in historical terms, employing concepts such as paradigm shift.
"History of science without philosophy of science is blind ... philosophy of science without history of science is empty"
History and development[edit]
More recently the sociology of science and science and technology studies have become popular topics and a few HPS departments have become Science Studies departments, e.g., the School of History and Philosophy of Science at the University of New South Wales was known as the School of Science and Technology Studies (STS) from the mid-1980s until 2001. For this reason it can be argued that the fields are identical and that the difference is only one of emphasis. While it may seem that STS is a broader concept, leaving room for other approaches to science such as sociology of science, HPS departments are not usually as exclusive as a literal interpretation of the name might imply.
HPS University Departments, Interdisciplinary Programs, and Divisions[edit]
- University of Melbourne
- University of New South Wales
- University of Sydney
- University of Wollongong (Science, Technology, and Society)
- McGill University
- University of Alberta (Science, Technology, and Society)
- University of Toronto
- Peking University
- Renmin University of China (Philosophy of Science and Technology)
- Shanxi University (Philosophy of Science and Technology)
Czech Republic[edit]
University of Aarhus (History of Science)
- Münchner Zentrum für Wissenschafts- und Technikgeschichte (History of Science and Technology)
- Geschichte der Naturwissenschaften und Technik, Univ. Stuttgart (History of Science and Technology)
Budapest University of Technology and Economics
- Sapienza University of Rome [1]
- Hokkaido University (Natural History Sciences)
- University of Kyoto
- University of Tokyo
- Chonbuk National University (Science Studies)
- KAIST (Science and Technology Policy)
- Korea University (Science and Technology Studies)
- Seoul National University
- University of Twente (Philosophy of Science, Technology and Society)
- University of Utrecht
United Kingdom[edit]
- London School of Economics (Philosophy, Logic and Scientific Method)
- University of Aberdeen
- University of Bristol
- University College London
- University of Leeds
- University of Cambridge
United States[edit]
- Arizona State University, Human and Social Dimensions of Science and Technology
- California Institute of Technology
- Case Western Reserve University
- Duke University
- Florida State University
- Georgia Institute of Technology
- Harvard University (History of Science)
- Indiana University
- Johns Hopkins University (History of Science, Technology, and Medicine)
- Massachusetts Institute of Technology
- Michigan State University
- Northwestern University (Science in Human Culture)
- Princeton University (History of Science)
- Stanford University
- University of California, Berkeley
- University of California, Irvine (Logic and Philosophy of Science)
- University of California, San Diego (Science Studies)
- University of Chicago
- University of Notre Dame
- University of Pennsylvania (History and Sociology of Science)
- University of Pittsburgh
- University of Texas
- University of Washington
- Western Michigan University
- Yale University (History of Science and Medicine)
See also[edit]
- ^ "A Discussion with Thomas S. Kuhn" in The Road Since Structure, Chicago: University of Chicago Press, 2000, p. 302.
- ^ A recasting of Kant's quotation: "Thoughts without content are empty, intuitions without concepts are blind." Norwood Russell Hanson, "The Irrelevance of History of Science to Philosophy of Science", The Journal of Philosophy, 59 (1962): 574-586, at p. 580.


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5 ) Autumn 2013: Home straight The teams in charge of the new exhibition scenography, restaurant fit-out and the Park get to work…Final adjustments before the reopening of the Museum on 21 December.
4) Spring 2013: A new roof for The MuseumThe architecture of the new Museum is taking shape. From the architectural prowess of the roof, reaching out proudly towards the Lake, to the new interior fittings, everything is ready for the arrival of the new installations.
3) Summer-Autumn 2012: Major work on The MuseumDemolition and major changes to the roof; outside visitor routes altered: quite a programme. The team of architects, museographers and designers prepare the new facilities for the Museum and the Park. A new wave of energy sweeps over The Museum.
2) Spring 2012: Museum building work gets under way The Olympic Museum is emptied; the collections are carefully stored away.The "Best of" exhibition opens on the Helvétie boat. The Olympic Studies Centre moves to its new premises in the magnificent Villa du Centenaire.
1) Winter 2012: The Museum is closed…but the flame remains alight 29 January 2012: The Olympic Museum welcomes its last visitors before 20 months of work get under way. An emotional moment for everyone working at The Museum and now getting ready to begin this ambitious project. The Museum closes, awaiting its rebirth at the end of 2013.
The renovation of The Olympic Museum reflects the ambition to make this place a veritable "Olympic Campus". An invitation to dive into the history, heritage, dreams, challenges and values which have contributed to making the Olympic Movement what it is today.
The park:
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The Museum:- 3,000m2 and three levels of permanent exhibitions - 650m2 of temporary galleries, including an art gallery, with a view over Lake Geneva and the Alps- Two Learning zones for young groups - Hospitality areas, with a 170-seat auditorium, meeting rooms, a restaurant and a 170-seat banquet room.
This is the implementation of a whole universe of knowledge and emotions, made possible through the latest interactive and multimedia technology.
The Olympic Studies Centre:
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To learn more click here
To be continued…
To celebrate the 20 years of The Museum's existence (1993-2012), revisit here the most famous areas of the institution, thanks to larger than life panoramic photos.
Olympic Education - Resources for teachers
Young people in contact with Olympism
The Olympic Studies Centre
The Olympic Museum in total metamorphosis
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Interviews about the new Olympic Museum
Barcelona 1992 - Dream Team


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Transcription Team: Creative Living with Jamie
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- Choose from the episodes we are currently working on.
- Be sure you can get the transcripts in by the deadline or sooner.
- Sign up in the comments below for the one episode you would most like to transcribe. (If you list multiple episodes, only the first one on your list will be considered claimed)
- Important: Be sure to read all of the comments to be sure that someone has not already claimed the episode. We want to be sure there's no duplication of effort!
We're currently working on…
Wrapping Up Everything to Season 5 (Deadline June 30)
- CLAIMED. Summer Pierre, artist, writer and musician (22:53) (download and/or find out more)
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Leave a Comment
{ 89 comments… read them below or add one }
- August 14, 2012 at 12:00 am
I´m ready to roll! All the episodes have something to take with me.
I´d like to start with Keri Smith for Season 2 please. Looking forward to working with the team. :) - August 14, 2012 at 5:21 pm
I would like to do Caroline Beneforado,illustrator and storyteller and Claudine Hellmuth, collage artist, author and illustrator please YAY!
- August 14, 2012 at 5:22 pm
OOOPs…sorry…I got so excited….Just Claudine Hellmuth for now then please…they're all so fabulous!!!!
- August 15, 2012 at 6:09 am
Hi Jamie and all :) I'm so very excited about this project – what a wonderful idea! I'd like to transcribe Jennifer Louden's interview, please. Thank you!
- August 16, 2012 at 3:32 pm
thanks for "claiming me!!" Lisa!
- August 18, 2012 at 10:30 pm
It's such an honor, Jennifer! :)
- August 16, 2012 at 2:47 pm
Greetings, Jamie – I'd like to help out by transcribing Pat Allen's interview. (And if you need more help, I'm interested in transcribing Silky Hart and/or Andrea Schroeder.) Thanks.
- August 17, 2012 at 4:47 am
Hi Jamie,
I would love to transcribe the interview with Amanda Oaks and Jenn Gibson. Big hugs, Karina
- August 17, 2012 at 5:41 am
This is going to be a real joy for everyone involved!! I would love to transcribe the Patti Digh interview. She's one of my heroines – it would be great to get to spend some quality time with her :-)
- August 20, 2012 at 5:07 pm
Hi! I'd like to do the Gretchen Wegner episode – it was so interesting! Thanks!
- August 24, 2012 at 8:14 pm
Hi Jamie,
I'm a bit late to the party, I know (I'm just catching up on podcasts!), but I'd love to do Andrea Schroeder's interview if it hasn't already been taken…I'm not 100% sure if it's free based on the comments here. If it *is* taken, I'd like to do Chris Kay Fraser. Could you please let me know which one I should do? I'd love to help out! - August 29, 2012 at 2:35 pm
i would LOVE to transcribe Laura Hollick's interview from 1/11/11.
listened to it so many times and it feels like i know it my heart :-).
i didn't see it in the comments above so hopefully it is not taken yet. - September 25, 2012 at 11:44 pm
Hi Jamie…just claiming Rachel Kempster & Meg Leder
- September 27, 2012 at 11:58 pm
Claiming Rachelle Mee-Chapman :)
- October 4, 2012 at 7:43 am
Hey Jamie – I was the one who emailed you yesterday and asked for the Kate Swoboda interview. I'm so glad it's available – can't wait to get started :)
- October 4, 2012 at 8:57 am
Claiming Lisa Evans – Can't resist Beach Dance!
- October 4, 2012 at 7:13 pm
Claiming Carmen Torbus from Season 3. :)
- October 6, 2012 at 1:38 am
Claiming Jerry Wennstrom season 3
- October 6, 2012 at 2:08 am
OK, I'll take Jennifer Schildknecht Moon Mamma sounds juicy! and helps finish off season 3.
- October 9, 2012 at 7:07 pm
Hi Jamie,
I can do Jenn Hicks, brown belt Nia instructor from Season 4.
- October 15, 2012 at 12:05 pm
I will do: Heather Plett, writer, photographer and creative thinker (29:33)
- October 16, 2012 at 9:52 am
Hi Jamie – can I claim Ken Robert from season 4
- October 23, 2012 at 6:50 am
Hi Jamie! What a great opportunity to get involved with your team. Thank you :)
I'd love to claim the season 4 episode featuring Christen Olivarez.
- October 23, 2012 at 2:08 pm
i'd love to claim Hiro Boga from season 4. Her voice is like velvet!!
- November 7, 2012 at 8:37 am
Ohhhhh….happy dance….Caroline Benforaldo is back up …..me me me ….x
- November 9, 2012 at 11:04 am
Hi Jamie,
I'd love to claim Dee Wilcox' interview! Wishing you a great day :)
- November 12, 2012 at 2:11 pm
Hi Jamie,
I can do Darrah Parker.
- January 17, 2013 at 10:30 pm
Jamie, I can do Liz Lamoureux, depending on what the new deadline is. Was the last transcript ok? Thanks, Kath
- January 18, 2013 at 10:04 am
Hi, I can do Misha Allard or Margaret Roach – either is fine, just let me know the new deadline!
Hope all is going well with this, havent heard for a while. Got into the rhythm of transcribing at least one per month, and kinda liked that.
Lee x - January 22, 2013 at 7:56 pm
Hi Jamie,
I'd love to transcribe Safina Khimani's interview, if possible.
- January 24, 2013 at 10:04 am
Hi Jamie. I've been a quiet follower of yours for a while now and would like to help out as a way to say thank you for all the beautiful work you and your team do. If possible, I would like to transcribe Margaret Roach's episode. Thanks!
- January 29, 2013 at 9:40 am
I'd like to claim Tracey Clark.
- February 6, 2013 at 6:05 am
Hey Jamie – can I claim Jen Landis & Loes van Mierlo please.
x - February 17, 2013 at 7:05 am
I am waiting until I make my big move to Montana and then I plan on joining in. Can't wait.
- March 19, 2013 at 4:17 pm
Hi Jamie – I can do Summer Pierre!
- May 15, 2013 at 2:43 am
I will take the Kimberly Wilson episode! Thanks. :) J
- May 15, 2013 at 2:45 am
I can also take Silky Hart if you need me to. Thanks, J
- May 15, 2013 at 12:57 pm
Hi Jamie,
I can take whats left!
It looks like Misha Allard is still available, but I did this some time ago. If you need me to resend, then just say the word. Have been missing doing these.
Sending you and your family healing vibes…
{ 11 trackbacks }
- Creative Living with Jamie – guest Lisa DeYoung
- Creative Living with Jamie: Guest Dale Anne Potter
- Creative Living with Jamie: Vivienne McMaster
- Creative Living with Jamie – Guest Jill Badonsky
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- Creative Living with Jamie: Eric Maisel
- Creative Living with Jamie: Joy Agcongay
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Home > News and Events > Speeches |
Speech |
McDonough: Technology and Structural
Change in the U.S. Economy |
March 20, 2003 | |
J. McDonough, President and Chief Executive Officer Remarks by President William J. McDonough before the New York State Bankers Association Annual Financial Services Forum, New York, New York. It is a pleasure to appear before the New York State Bankers Association today. The opportunity to address you on the occasion of your annual meetings has been one of the great privileges of being President of the Federal Reserve Bank of New York. I regret that this will be the last time I will do so before my retirement. This morning, I would like to focus my comments on the issues of technology and structural change in the U.S. economy and the challenges I see ahead for our economy, our industry, and our region.When I became President of the Federal Reserve Bank nearly ten years ago, the U.S. economy and the banking system were just beginning to heal from the severe problems that stemmed from the commercial real estate and leveraged buyout booms of the 1980s. In those days, we faced an economy that grew more slowly and produced fewer jobs than was typical of earlier postwar recoveries. We attributed that slow growth to the headwinds created by widespread financial distress. Now, in March 2003, we are once again in the early stages of the recovery process. This time, the U.S. economy has been recovering from two major shocks: the bursting of the high-tech financial bubble and the devastating attacks of September 11, 2001. The effects of the bursting of the stock market bubble have proven to be far more long term and pervasive than expected. Although many anticipated that the impact of a lower stock market would fall heavily on consumers, consumer spending and housing have remained remarkably buoyant. Rather, it is the business sector that has borne the brunt of the stock market declines. In contrast to the investment boom that accompanied the rising stock market, firms began sharply cutting back investment in plant, equipment, and software to reduce global excess capacity around the time that the stock market started falling. Major acquisitions and minority investments in high-tech firms were written down in value, sometimes with brutal results for corporate earnings. Those companies in weak or uncertain financial condition faced much higher financing costs, especially in the bond markets. There have been some genuine surprises in the wake of the bursting of the stock market bubble. For one, the stock market boom proved to be fertile soil for serious corporate governance problems that began to come to light in the fall of 2001 and intensified thereafter. Second, state and local government deficits ballooned as revenues plummeted far more than expected, given the relatively mild recession. Third, nonprofit organizations saw their endowments and their incomes dwindle. The tragedy of September 11 compounded some of the difficulties already facing the U.S. economy. The attacks not only temporarily depressed consumer and business spending, worsening the recession, but also ushered in a period of geopolitical uncertainty that continues to this day. Moreover, the need for stepped up defense and homeland security required a shift in resource allocation and led to at least some modest reduction in productivity growth. We estimate that the one-time decline in private- sector labor productivity due to homeland security costs will be no more than about 1 percent, but the size of the loss ultimately will depend on the nature and persistence of the security threat. Notwithstanding the magnitude of these shocks -- the bursting of the stock market bubble and the accompanying corporate governance scandals, along with the attacks of September 11 -- the U.S. economy has held its own. The recession was mild. Real economic growth on a four-quarter basis slowed to near zero in 2001 and reached a respectable 2.9 percent in 2002. But the recession and early recovery, as in 1991, no longer has the V-shape so familiar in early postwar business cycles. Currently, the U.S. economy is expanding below its potential growth rate -- that is, the rate at which it can grow without creating inflationary pressure. That speed limit for the U.S. economy, at least in the medium term, is set by the sum of labor force and productivity growth. We estimate potential sustainable growth to be between 3 and 3.25 percent. Moreover, net job growth since the apparent trough of the 2001 recession is weaker than it was in the same period of the early 1990s recovery. These developments suggest that significant changes are taking place in the behavior of the U.S. economy over recent business cycles. One of the most notable changes has been the reduction in the volatility of GDP growth. More specifically, the volatility of U.S. quarterly GDP growth, as measured by its standard deviation, has halved in the twenty years since 1983 compared with the prior thirty years. Expansions are longer. Although the eight expansions between 1945 and 1980 lasted an average of fewer than 45 months, the two since 1980 have lasted 92 and 120 months. Recessions have been shorter and shallower. A great deal of evidence points to technology as the major factor that helps account for changes in the U.S. business cycle. When I speak about technology, I am not referring simply to advances in the development of computers and other electronic devices. Rather, I mean the ways in which goods and services are produced and distributed within the economy. What is the evidence for technology's role? Two phenomena are of particular importance. The first has to do with the striking changes in the behavior of inventories over the past two decades. Prior to the early 1980s, inventory investment typically exacerbated economic fluctuations. During sales slowdowns, businesses tended to find themselves with large excess inventory stocks that obliged them to make drastic cuts in production. During times of expanding sales, businesses had to scramble to replenish inventory stocks, leading to sharp, brief spikes in production. Over the last two decades, this destabilizing inventory behavior has diminished significantly. Advances in information systems that track sales and inventories, reorder inventory automatically, and shorten production and delivery times have allowed businesses to be more timely in their responses to changes in demand, with the result that inventory investment no longer plays as prominent a role in economic fluctuations. Inventory-to-sales ratios have declined steadily over the past two decades, most notably in the durable goods sector. Technology also is the major factor in the pickup in productivity growth that the United States has experienced since the mid-1990s. As has been well-documented, growth in labor productivity has been roughly 1 percentage point faster since 1996 than it was in the prior twenty-two years and close to the average of the strongest years of the early postwar period. This key driver of our economy allows us to grow faster without increasing the threat of inflation. Thus, technology underpins a higher potential growth rate and more moderate business cycles. But another implication of technology is continuous change and what Joseph Schumpeter called "creative destruction," the rise of new firms, the renewal of old firms, and the failure of firms that do not innovate. This process of creative destruction is important in providing at least a partial explanation for the unusually slow and gradual recoveries and low job growth we have seen after the last two recessions. An economy undergoing structural change is of necessity continuously creating and destroying jobs. During recessions, fewer jobs are created and more are destroyed. Until the early 1980s, these structural changes were small. The predominant employment dynamic was for cyclical industries to lay off workers temporarily in recessions and rehire them in the early recovery. Since 1980, however, we have seen that in each recession and early recovery, a falling share of job gains and losses was cyclical. Rather, the recession and early recovery have become especially intense periods of structural change. When we examine job gains and losses by industry in the last two cycles, we see that industries that added jobs did so both in recessions and in recoveries. Industries that lost jobs also did so in recessions and in recoveries. Job gains and losses thus provide a simple way to distinguish growing from shrinking industries. A further explanation for the shallow recessions and slow recoveries of the recent past may have to do with the labor market. In recessions involving mainly temporary cyclical layoffs, firms require little time and cost to rehire workers and resume higher production levels. In recoveries involving substantial structural change, where workers are permanently laid off and need to seek employment in another sector, the time and resources required to complete the adjustment are greater and thus the recovery is slower. These developments point to an important challenge our economy faces. Namely, how can we help to develop further flexibility in our markets and in our workforce to allow for the smoothest possible reallocation of resources across our economy as it continues the process of structural change? The question is especially difficult because of the considerable flexibility that already exists in the U.S. labor market. Nonetheless, there are measures that can be taken. For example, I believe employers need to more fully understand and plan for the likelihood that employees will need to shift careers or locations one or more times over their working lives. We could do so by improving opportunities and offering incentives for education and training throughout a worker's career. To recognize the importance of worker mobility, we could look for further improvements in pension portability and benefits continuity. As employers, we need to communicate more often and more openly with employees and encourage them to be more proactive in augmenting their skills and seeking change over a career, whether in the same job or a new job, with the current employer or a new one. One contribution to the increased flexibility of our economy in recent decades has been greater financial sector resilience, particularly in the banking industry. In the consumer sector, several decades of improvement in the availability of credit have enabled households to behave very much like the textbook model of consumption behavior: households smooth their consumption over time, taking into account the arc of their income over their lifetimes. For businesses, banks and financial markets have played a major role in supporting the economy through considerable structural change during this recession, a remarkable development when compared with the distress of financial institutions during the 1990-91 recession cycle. In fact, credit markets have performed better in this recession and recovery than they did in the early 1990s, a period often characterized as a "credit crunch." Credit standards for bank lending began to tighten in 1999, well in advance of the economy's slowing. Although the credit risk appetite of the bond market has fluctuated since it first tightened in the fall of 2000, over the past two and a half years, the banking and bond markets have remained open to virtually all healthy firms and even many speculative-grade firms with stable financial prospects. Credit has flowed steadily to small businesses as well. This ability to supply credit to strong or relatively stable borrowers reflects much greater discrimination by lenders and investors in the credit markets than was the case in the early 1990s. At their best, financial markets can and should be tough judges of creditworthiness. In an economy characterized by long expansions and by substantial, continuous structural adjustment, making such judgments is difficult but essential. Those judgments mainly involve credit decisions that are based on analyses of the long-run prospects of industries and of firms and their management. The amounts at risk include both the principal of loans, bonds, and other forms of credit and the value of income streams from a variety of fee services that have become a key component in financial services income. Therefore, the credit and income risks to financial firms today can be substantial -- one reason why financial firms have boosted their capital, diversified their risks, and advanced their risk management techniques over the last decade. Not surprisingly, during the recent downturn, banks and investors have experienced credit losses. But proactive risk management and the healthy capitalization of U.S. banks have allowed these losses to be recognized promptly and to be absorbed without the distress that characterized the early 1990s. Moreover, the market richly rewards this stabilizing behavior. The banking industry has earned record profits in the past two years. One large shadow in this picture of more effective financial markets, especially in the investment-grade markets, involves corporate governance problems. When I speak about corporate governance, I am speaking about such issues as accounting and disclosure, the composition and independence of the board of directors, and executive compensation. The issues also involve concerns about conflicts of interest and the arrangement of tax-saving and balance-sheet-transforming financial transactions. Some of you already know how strongly I feel about these issues and the damage they have done. Today, I would like to talk about the linkages between corporate governance and the performance of the economy. One concern I have is that recovery in the business sector continues to be restrained not just by geopolitical uncertainty and the need for further restructuring in some key sectors, but by caution on the part of investors and lenders. They continue to doubt the quality of internal governance and external oversight, as well as the reliability of the information corporations provide -- in short, critical issues of investor and lender confidence. Those of us who worked through the banking problems of the early 1990s also faced issues of confidence. At that time, two developments signaled a turnaround to investors and liability holders. The first was a recovery of bank balance sheets as banks worked down their stock of nonperforming loans and raised new capital. The second was an extensive wave of banking and supervisory reforms that continues to benefit us to this day, including key legislation such as the Federal Deposit Insurance Corporation Improvement Act, known as FDICIA. I particularly want to emphasize the voluntary, self-directed efforts taken by both bankers and their regulators to ensure that such problems will not engulf them again. On the banking side, these efforts have led to important strides in internal risk management, such as developing more comprehensive and timely information systems, strengthening the loan review and audit functions, and providing a better, more organized flow of information to the bank's board of directors. On the supervisory side, the training of examiners has been strengthened as have the analytical tools we use on the job. At the Federal Reserve Bank of New York, we have reorganized our examinations area in the last few years. We have developed more product and risk specialists, more opportunity for rotation, and more targeted reviews that enable us to stay on top of a rapidly changing industry. Finally, there is a generation of bankers and examiners who experienced the problems of the early 1990s firsthand and are now senior managers in financial institutions and supervisory agencies. I submit that we have much the same situation today in the sense that we are making improvements in how our institutions are governed and in how the integrity of our markets is safeguarded. The public sector has acted. Congress has passed the Sarbanes-Oxley Act and the Securities and Exchange Commission has promulgated new rules. In the private sector, some leading corporations have taken steps to appoint a presiding director, to increase the number of independent directors on the board, and to introduce other corporate reforms. We have seen some shareholder activism on the issue of executive compensation. Some have discovered that restricted stock options can be priced after all. And we now have a generation of corporate managers who have witnessed firsthand the enormous human and financial costs of personal improprieties, breakdowns in internal controls, and skewed incentives. But we cannot really say that we have a wave of reform until we see governance reforms take hold broadly throughout the corporate sector. We need to see more progress on accounting reform, including efforts to strengthen training and governance within accounting firms to prevent the ethical lapses that so plainly occurred. We need to deal with the issue of executive compensation. It is clearly within our competence to address these problems without more legislation. These issues should be a top priority. What other challenges lie ahead for the banking and financial industry? One immediate challenge for financial institutions, in my view, is to meet the changing product demands of customers and to do so with new, lower cost structures made possible by applying information and communications technology. At the high point of the tech bubble, the potential competitors with financial institutions appeared to be dot-coms offering stand-alone electronic services, with cost advantages that appeared overwhelming. Many forms of electronic commerce survived the bursting of the dot-com bubble. Electronic bill payment and electronic banking have steadily increased over the last few years. For example, the proportion of banking customers who have used electronic banking has risen from around 8 to 24 percent over four years. Electronic trading platforms and electronic brokerage are essential elements in such core markets as foreign exchange, government securities, and equities. Loan and deposit information can be compared across institutions through the Internet. The streamlining of payment and settlement systems through the use of straight-through processing, central counterparties, and other innovations are continuing to change the architecture of some of the financial system's most essential functions. Over the last two decades, we have seen dramatic growth in the financial sector, simultaneous with changes in the specific roles of individual banks and other financial firms and in the products and services they offer. Since deregulation began in earnest in the 1970s, financial institutions have shown an astounding ability to adapt or merge. And there certainly is more to come. Regulators must not stand in the way of these important structural changes. Financial firms must be able to respond constructively to changing conditions, employ new technologies, and take on new risks. The regulatory process needs to be oriented positively to change; it should be timely in delivering decisions -- all the more so given today's short product cycles and the rapidly changing competitive environment. For their part, financial firms need to bring the necessary capital, management skill, and risk discipline to their activities. Well-managed institutions in strong financial condition should have great freedom. And regulators should pursue with vigor financial institutions that permit incompetence or impropriety. What do all of these developments mean for our region and our city? The issue of restructuring in the financial industry is especially important for New York City and New York State. Although the national economy has suffered two major shocks, New York City has suffered three: the national recession, the terrorist attacks of September 11, and the restructuring of the financial industry. New York City is particularly dependent on the financial industry. The financial sector accounts for 15 percent of all jobs in New York City, but roughly 35 percent of the income earned. Jobs in the business services sector, many related to the financial industry, also pay above-average wages. Together, these two sectors account for roughly two-thirds of all income in the city. And when we look at tax revenues, the major swings in New York City revenues reflect the fortunes of the securities industry. Economists at the Federal Reserve Bank of New York have developed a set of coincident indicators to help forecast the economic outlook for the New York City and New York State economies. These indicators show that the downturn in both the city and the state began early in 2001. In particular, a fairly sharp dropoff in employment in both the city and the state began in early 2001. The employment count shows that the city's economy sustained a further heavy blow with the destruction of the World Trade Center. We estimate that the city lost around 80,000 jobs in the immediate aftermath of the attack. But once that short and sharp blow was absorbed, developments in employment in the city have broadly mirrored those that have been taking place in the national economy -- namely, a jobless recovery that since the beginning of the year seems to have weakened further. One reason that the city and state economies have shown some resilience in the recent period is because they were growing strongly before the 2001 recession took hold. For New York City, economic performance in the 1990s was remarkable, as the financial industry boomed and various sectors -- such as the entertainment industry, new media, and health care -- expanded. Moreover, the crime rate came down -- in recent years, it fell below the national average -- and immigration picked up. Similarly, the New York State economy enjoyed robust growth in the 1990s. For the past four years, job growth in the state has roughly matched or exceeded that of the nation. More recently, job losses in most of New York City's suburbs have been fairly mild, while upstate losses have been on a par with the nation. In the city, optimism continues, as reflected by the continuing willingness of people to make a home here. Housing prices have outpaced the nation since the mid-1990s and continue to do so, a sign of the fundamental strength in the local economy that should help us work our way through the difficult days ahead. Nevertheless, in New York, as in other states and municipalities, the long-term effects of the high-tech bubble have left a more permanent problem. For example, I discern a general consensus that although the city's economy is still sound, despite its trouble, the structural problems in the budget will not disappear with the resumption of economic growth. During the boom, the long-run trend of revenues was hard to separate from the cyclical and special factors, such as taxes on capital gains and realized stock options that boosted the city coffers. Long-run revenue trends were overestimated; long-run spending trends were accordingly adjusted upward. Today, the city and state governments have begun the difficult task of bringing spending and revenues into better alignment. Here in the region, therefore, we too are coping with structural change. Technology advances have created benefits for the private sector that could also improve the long-term fiscal outcome of state and local governments. Cities and states could usefully re-examine regulations and governmental practices that limit flexibility for businesses to be established and to grow. Also, cities and states could more aggressively explore new ways of working to enhance their services while reducing costs. In my remarks this morning, I have focused on the theme of technology and the constancy of change in our economy and our financial system. Technology has helped to account for the increased resilience of the U.S. economy. It has also generated substantial structural change in our economy -- change, as we have seen, that may have its most powerful effects in recessions and early recovery periods. In turn, flexibility in our labor and financial markets has facilitated the deployment of technology. I believe we can continue to enhance the flexibility of our economy -- particularly in the labor market, the delivery of government services, and the setting of local regulations. And we must move aggressively to resolve the problems of corporate governance. Clearly, the financial industry has benefited greatly over the last two decades from technology and structural change. At the same time, I believe we may well be in an important period of further structural change in the financial industry -- a period potentially as transforming as the explosion of the capital markets in the 1980s. If so, we as regulators should not impede that transformation, even as we remain committed to maintaining the soundness and stability of the financial system. If I am correct and we are in a period of rapid structural change in the financial industry, this change will have a major impact on New York City and New York State. In view of the proven ability of the financial industry and our region to adapt to change thus far, as well as, the resilience demonstrated by our city over the last eighteen months, I am confident in our joint capacity to master whatever challenges subsequent change brings to our doorstep. Thank you. |


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Minnesota Reflections
A^\ / Mil V.VV\^»- Company 719, CCC A ^|fv'\ A! r Brimson, Minnesot. Volume I Number 12 April 6, 1935 Page One Changes In Regulations Concerning Eligibility For Reenrollment. Latest regulations state that all enrollees will be given a nu.nd...tory discharge at the end of tiie calendar quarter in which they have completed eight- con months service except: 1.. Those men exempted July 1, 1934 as keymen. 2. Men, who it time of reenrollment hold jobs _s cook, stewart, supply stow.rt, clork, senior foreman or a limited number (3) considered invaluable in the fiold. 3. Certain L.E.M's previously exempted. 3y this same order, _.ny Junior or L.E.M. having an honorable discharge and having completed not less than 5 months or more th~_n 13 months m-y reenroll ..nd continue until com- letion of 18 months of service. No Credit No oanteen books will be given out until further notice (dependent upon Congressional action.) Editor's \ote The editorial for this week was written by .n enrollee of this camp, and as I felt it expresses the sentiments of practically every man in camp, I w-s only too glad to publish it just -..s it was handed to me.


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News Archive
Participatory Video in the Pangani Basin, Tanzania
Participatory Video, a new innovative way of capturing and sharing communities' voices on social and environmental change, was recently introduced by the IUCN Water Programme. …
30 Sep 2010 | News story
Environment and gender equality: the keys to achieving Millennium Development Goals
Achieving gender equality is fundamental to sustainable development and to attaining the United Nations Millennium Development Goals (MDGs), including the eradication of poverty and hunger. This is expected to be one of the major conclusions of world leaders and development experts at the 2010 Summit on the Millennium Development Goals, to be held this week at the UN Headquarters in New York. …
20 Sep 2010 | International news release
The future of water in the face of climate change
There needs to be significant investment to solve the growing water crisis that threatens water supplies and water quality for both people and nature, says IUCN. Climate change makes the search for practical solutions for water management increasingly urgent. …
06 Sep 2010 | News story
Message from the Deputy Director General: Freshwater conservation
Watch IUCN Deputy Director General Bill Jackson talk about freshwater conservation challenges and explain what IUCN is doing to make sure that there's enough water in the world both for nature and for people. …
04 Sep 2010 | News story
IUCN's alarm call for Eurasian steppes
Growing threats to Euroasian steppes such as climate change, land-use change, overgrazing, hunting and mining will be the focus of an international conference organized by IUCN from 9 to 12 September in the Hustai National Park in Mongolia. The meeting will be attended by experts on natural grasslands but also by politicians and people that rely on steppes in their everyday lives, such as pastoralists. …
30 Aug 2010 | News story
IUCN welcomes Tonga as new State Member
The Government of the Kingdom of Tonga has officially announced its decision to join IUCN by endorsing the Union's Statutes, becoming the 84th State Member of the world's largest and oldest environmental network. The Ministry of Environment and Climate Change has been designated by the Government of the Kingdom of Tonga as its liaison with the IUCN Secretariat. … | French | Spanish
24 Aug 2010 | News story
Communities reduce disaster risks by investing in nature
"Hurricane Stan in 2005 was the catalyst for action. We knew what needed to be done, we just did not realize the risks of inaction", said Gerardo Barrios De León, Head of the Tojgüech River Microwatershed Council. …
23 Aug 2010 | News story
Empowering people to manage water
Across East Africa, water catchment planning and development at the local level is essential for sustainable and integrated water management in the region. "It is at the local level that the opportunity for involvement of all stakeholders, including non-state actors, in water resources management exists", says Katharine Cross, IUCN Water Programme Officer. …
17 Aug 2010 | News story
CEC Newsletter August 2010
Look for 'good practices' among the 35 news items in the July/August issue of the IUCN CEC Newsletter. …
06 Aug 2010 | News story


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Battle over Berlioz
The Musical Language of Berlioz
Perhaps the cruelest remark ever made about Berlioz came from Mendelssohn, who said that what was so Philistine about Berlioz was that "with all his efforts to go stark mad he never once succeeds." Donald Francis Tovey, who quotes this in his essay on Berlioz's Harold in Italy,
Mendelssohn wrote in 1831. Years of the kind of misunderstanding revealed in his comments must have eroded Berlioz's friendly good nature. More than fifty years later Verdi wrote:
Berlioz was a poor, sick man who raged at everyone. He was greatly and subtly gifted. He had a real feeling for instrumentation, anticipated Wagner in many instrumental effects. (The Wagnerians won't admit it, but it is true.) He had no moderation. He lacked the calm and what I may call the balance that produce complete works of art. He always went to extremes, even when he was doing admirable things.
With all its recognition of Berlioz's genius, this is disingenuous and ungracious, particularly in the way Verdi insists on Berlioz's influence on Wagner without acknowledging his own debt, which was enormous, and not solely in the realm of instrumentation.
Mendelssohn's gibes show that Berlioz's contemporaries were already aware how much of his romantic madness was only skin deep although he fought passionately for the cause of romanticism. He took up arms for Shakespeare, for Goethe's Faust, Oriental exoticism, program music, the Swiss mountains with the lonely sound of shepherd's pipes, the Gothic macabre, the projection of the ego in the work of art, as well as the artist as inspired lunatic—all the commonplace, intellectual bric-a-brac of the period, in fact. Berlioz's eccentricities impressed almost everyone, as he hoped and expected, but it has taken more than a century to realize that it is not Berlioz's oddity but his normalcy, his ordinariness that made him great.
In this he differed from a composer like Schumann, whose genius was tied to a profoundly eccentric sense of form and of polyphony. In spite of Schumann's obstinate aspiration to aesthetic respectability through his symphonies, quartets, and sonatas, his short, fragmentary piano pieces and songs remain his most enduring achievement. Berlioz's greatest work, most critics would now argue, is The Trojans, an opera on the most classical of all subjects and the most academic: Virgil's Aeneid. Like Delacroix's mural decorations for the National Assembly, Berlioz's finest opera reconciles avant-grade technique with academic ideals. The Trojans is the musical equivalent of the grandes machines that the so-called …


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More copies of this ISBNHappy Birthday to You!by Seuss
Synopses & ReviewsPublisher Comments:Today you are you! That is truer than true! There is no one alive who is you-er than you! Since 1959, Happy Birthday to You!Dr. Seusss joyous ode to individualityhas allowed readers to experience firsthand the thrill of celebrating a birthday as it is done in Katroo. Awakened by the Birthday Bird, you (the reader) are swept out of town on a Smorgasbords back to begin a day and night of feasting and feting in such Seussian splendor that it will take 20 days to sweep up the mess! And while Random House cant possibly compete with the folks in Katroo, we are making available a special Party Edition of the bookfeaturing its luscious full-color artwork printed on foilto celebrate its 50th year in print. Consider it icing on the cake!
Synopsis:Includes 4 copies each of One Fish Two Fish (HC/9780394800134), My Book About Me (HC/9780394800936), Happy Birthday to You (HC/9780394800769), Green Eggs and Ham (HC/9780394800165), The Cat in the Hat (HC/9780394800011), and Fox in Socks (HC/9780394800387)
About the AuthorDr. Seuss was born Theodor Geisel in Springfield, Massachusetts on March 2, 1904. After attending Dartmouth College and Oxford University, he began a career in advertising. His advertising cartoons, featuring Quick, Henry, the Flit!, appeared in several leading American magazines. Dr. Seuss's first children's book, And To Think That I Saw It On Mulberry Street, hit the market in 1937, and the world of children's literature was changed forever! In 1957, Seuss's The Cat in the Hat became the prototype for one of Random House's best- selling series, Beginner Books. This popular series combined engaging stories with outrageous illustrations and playful sounds to teach basic reading skills. Brilliant, playful, and always respectful of children, Dr. Seuss charmed his way into the consciousness of four generations of youngsters and parents. In the process, he helped kids learn to read.
Winner of the Pulitzer Prize in 1984 and three Academy Awards, Seuss was the author and illustrator of 44 children's books, some of which have been made into audiocassettes, animated television specials, and videos for children of all ages. Even after his death in 1991, Dr. Seuss continues to be the best-selling author of children's books in the world. What Our Readers Are SayingBe the first to add a comment for a chance to win!Product Details
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LCR Speakers
(Print this page)OVERVIEW
The SAM3HA 3-way LCR horizontal loudspeaker represents the synthesis of everything that JBL® has learned about the emotional power of audio and video in 60 years of preeminence in the field. It sets new benchmarks in the use of high technology and provides you with the experience of being in some of the world's greatest movie houses and concert halls, right at home!
Main Features:
ULTRAHIGH-FREQUENCY COMPRESSION DRIVER: 1" (25mm) Pure-titanium compression driver with aluminum edge-wound voice coil and 2" (51mm) neodymium motor assembly, mounted in a constant-directivity horn for extended high-frequency response to exceed SACD™ and DVD-Audio specifications.
HIGH-POWER COMPRESSION HORN: Horns are commonplace in movie theaters across the world, because of their high power handling and well-defined high-frequency output. The horns employed in SAM3 have very low distortion, and a well-controlled directivity, to put the dialogue at the center of the screen and the effects all around you.
ACCURATE MID-BASS DRIVERS: The 6-1/2" (165mm) mid-bass drivers incorporate many of JBL's patented technologies – such as Symmetrical Field Geometry™ (SFG), Symmetrical Inductance Modulation (SIM) and Vented Gap Cooling™ (VGC) – as well as unique cone and dome materials, to provide tight, smooth midrange sound without harshness, stridency or listener fatigue.
SAM3HA & SAM3VA Owner's Manual
SAM3HA Quick Specs
SAM3HA CAD Drawing


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George Michael: What would 'Fighting Bob' think today?
| Jun 14, 2012
Robert La Follette must be rolling over in his grave. "Fighting Bob" La Follette was the hard-charging Progressive Party governor and senator from Wisconsin in the first 25 years of the 20th century. Opposing big corporations and an advocate...


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This Is What Happens...
When the CERN Large Hadron Collider starts crashing particles into shit next month. I can hardly wait!
Hit the jump for a highly questionable (yet informative) video of some chick singing a rap song about the collider.
Thanks Paul, we're all gonna die. AAAAAHHH!
CERN's Large Hadron Collider went online yesterday and completed it's first major test. The world's largest particle collider passed its first major tests by firing two beams of protons in opposite directions around a 17-mile (27-kilometer) underground ring Wednesday in what... / Continue →
Well, that's a lie. Actually, no it's not. *brandishing crowbar* At least not if I have something say about it! Anyway, the LHC, which was thought to only be down until the spring, may not kill us all until late 2009, or even 2010. We're saved (but still be wary of terroris... / Continue →
The Royal Society of Chemistry in London recently held a contest to rename the Large Hadron Collider. The votes are in, and the doomsday machine's new name is *drumroll please*....Halo! After sifting more than 2,500 responses, ranging from The Big Banger to Infinite Devil M... / Continue →


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Definition of pensionable in English:
Line breaks: pen¦sion|ablePronunciation: /ˈpɛnʃ(ə)nəb(ə)l
- Entitling to or qualifying for a pension: women over pensionable ageMore example sentences
- In defined benefit schemes, a member accrues pension benefits based on their service, the amount of pension accrued for each year of service and their pensionable salary.
- If you are a member of an occupational scheme, you are entitled to a maximum of up to 1.5 times your final pensionable salary, depending on your years of service.
- For individuals in occupational pension schemes the maximum contribution you can make is 15 per cent of your pensionable salary.
- More example sentences
- Although there was some suggestion the rate would be examined and pensionability would be discussed, none of the proposals were firm.
- Meanwhile, talks between teachers' unions and the Department of Education on the issue of pensionability broke down yesterday as both sides failed to hammer out an agreement on the contentious issue.
- The issue of pensionability was a key thorn in the side for two other unions which have already voted on the deal.
Pronunciation: /-ˈbɪlɪti/


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Definition of chaeta in English:
Line breaks: chaetaPronunciation: /ˈkiːtə
( plural chaetae /-tiː/)
Zoology - A stiff bristle made of chitin, especially in an annelid worm.More example sentences
- The microscopic structure of the setae is identical to that of the chaetae of polychaete worms.
- Likewise, the relative recalcitrance of various non-mineralizing tissues such as algal cyst walls, graptolite periderm, polychaete chaetae and arthropod cuticles contributes to their enhanced preservation potential.
- In this respect, as indeed in their microstructure, the sclerites of Wiwaxia are fundamentally more comparable to polychaete chaetae.
mid 19th century: modern Latin, from Greek khaitē 'long hair'.


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Triathlon Gerardmer, Decouverte (DE)
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Your own pictures from categories marked with (*) can be added for free to an already ordered Foto-Flat
1. You will probably find more pictures of you in the categories "swimming", "swim exit" and "w/o start number". You will get this pictures gratis with your foto-flat. You can read HERE how to proceed!
2. THANK YOU FOR SMILING in the rain, we will never forget the Gerardmer-atmosphere!!!
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Previously known as the "Red Piano" Guesthouse. The Arboretum is a newly refurbished Guest House and has opened in the up and coming Phom Stungthmei (Sok San road) which lies just 200 meters from the famous Pub Street. It offers 12 en suite bedrooms and is now under new European ownership. Please feel free to book online or contact us by e-mail / telephone and we hope to see you soon
All the rooms are en suite with cable tv,air conditioning,fan,mini fridge and free WiFi access.Two bottles of water per person are provided daily complimentary...
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Custom Black Wool Serge Border
1600 cms Wide x 60 cms Drop
Heading: TIES
Sides: HEM
Base: CHAIN POCKET
Information: VELCRO TIES TO SECURE 50mm TUBING at 529mm
Made to Order 16A Cable
1.5mm TRS HO7 3-core (Single Phase) Black
Free Colour Coding - Colours listed next to length. (Coloured Tape with Text of Length)
Please choose desired cable length and colour of connectors.
Certified safety cable included
Easy set-up and use
Suited for 40cm and 80cm shooters
Showtec Stage Beam MKII 300/500W
Theatre Spot with PC or Fresnel lens ø 120mm. It is equipped with a GY9.5 ceramic lampsocket for 300/500W lamp. The lamp position can be adjusted on the backside by gear-wheel. Including 1 meter silicon cable 3x1mm, plug not included. (Available in black and silver colour.)
Dimensions: 355 x 230 x 170 mm (LxWxH)
Cable: 1.0 meter silicon cable (plug not included)
Rosco Slit Drapes - 4.9m x 91.44cm
Slit Diffraction material picks up and bounces light.
Fabricated entirely of durable self-extinguishing vinyl.
Each Slit Drape unit is 3' (0.9m) wide and as many units as needed may be used for a seamless, continuous curtain.
Slit drape is Rosco's exciting version of the familiar slashed curtains widely used in the display trade and the performing arts.
Overlapping 1/8" layers of material provide a remarkable effect of bouncing, shimmering light. The diffraction used in some of the models refracts the light into spectacular patterns of color.
Slit drape is constructed entirely of durable, self-extinguishing vinyl. It resists tearing or scratching and the surface requires virtually no maintenance at all to retain its extraordinary properties. The finished Slit drape is lightweight enough to move gently with any air movement... thus adding to the "bounce" of light from the drape.
Slit Drape units are three feet (0.9m) wide and maybe ordered in 8' (2.4m), 16' (4.8m) or 24' (7.2m) lengths. The units can be secured onto a doorway, opening, wall, or any convenient location with staples, tacks or tape.
A range of steel boom arms. Available with a safety bond anchor point.
Fits Tubes: 48 - 51mm
Centres: 280mm from pipe centre to hole centre
T30500: Standard Boom Arm with Twist
T30501: Standard Boom Arm with Twist - Black
T30600: Straight Boom Arm
T30601: Straight Boom Arm - Black
T31500: Standard Boom Arm with Twist and Safety Point
T31501: Standard Boom Arm with Twist and Safety Point - Black
T31600: Straight Boom Arm with Safety Point
T31700: Double Boom Arm
Online Catalogue | Staging and Rigging | Dance Floor
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Online Catalogue | Staging and Rigging | Dance Floor


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Price: $149.50
Product ID : 0433
Weight: 11.04 lbs
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Last Round® Natural Supplement
Last Round is an all natural supplement that you drink before you go to bed.
Directions: Shake well and drink the entire contents of the 2.4oz bottle. For additional benefits, drink another bottle the next morning.
Last Round® - The Best Way To End A Night Of Drinking.
Please note that variations in the natural ingredient's colors may cause color variations in Last Round products.
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Video: Top News
Egypt's Mubarak back in court (1:04)
May 11 - Ousted president Hosni Mubarak and sons appear in court. Tom Dinham reports. ( Transcript )
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About Reuters TV
Hard-edged reporting, insight and analysis, Reuters TV breaks ground creating informative news and financial videos. Showcasing Reuters' 3000 award-winning journalists, Reuters TV delivers high-energy investigative journalism with concise explanations. Check it out and let us know what you think.


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We have a cedar fence that we want to put a clear stain on we want a wet cedar look and DH has read on the net that spraying witha garden sprayer is the fastest and best way to stain it. Has anyone tried this method and do we have to brush it on to smooth out the spray.
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A tennis prodigy named Ryoma tries to help his junior high school team win the championships and learns what Tennis really means to him in the process.
There is seemingly no 'perfect' way to truly say goodbye. So I gathered a bunch of them!
Submissions can take several hours to be approved.


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Because telework agreements traditionally don't prevent federal employees from working overtime and the nature of such arrangements often lends themselves to workers being plugged in more than their assigned hours, Robert Dietrich of FedSmith recommends that advanced approval from a supervisor should be required for all OT.
In fact, telework can bring about problems with compliance when it comes to the Fair Labor Standards Act (FSLA) and a Defense Department audit agency, for example, mandates that OT and comp time cannot be approved without assigning a special controlnumber to it so that it can be recorded, the article said.
According to FLSA, all nonexempt telework employees arerequired to be paid for all hours of "suffer or permit" work during authorized time periods, whether or notthe agency knows or should have known about it.
For more on telework and OT click here.
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FCW is very pleased to announce the women and men who make up this year's Fed 100.
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Advice for anyone who is Grade 11 or above, don't try to ask for it unless you see others getting it. You are a salaried employee and expected to get the job done. If you happen to have to work in response to an IT emergency, then expect comp time if work beyond 2 hours. Even then they will complain about the number of hours you are out of the office when you try to use the comp time. Fact is budgets are tight and there is no money for an emergency. Manager's do not like to be disciplined for being over-budget. It affects their bonus.
There is no such thing as OverTime. We are supposed to work whenever the bosses want us to work, Work more than 40 hours a week and you are salaried (one pay no matter how much more than 40 hour you work). Work less than 40 hours and you are waged, and get only $x per hour. Cheap is the word.


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- Musician's Friend Best Selection, Price & Service. Guaranteed.
Need Help? Ask our Experts or call 800-449-9128
Private Reserve Guitars 866-926-1923
Need Help? Ask our Experts or call 800-449-9128
Great sound, on the go.
Just punch out a pick from these colorful Clayton Pocket Picks Guitar Pick Cards, and you'll feel the added punch it gives to your guitar playing. Made of customized polycarbonate for a comfortable feel, these picks produce a clean and smooth sound with soft tone. If you like speed picking, you'll love Clayton Pocket Picks. Card fits in a billfold for availability on the go.
Don't leave home without one. Order today.
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Comments about Clayton Pocket Picks Guitar Pick Card:
I got to two heaviest ones (The purple and the blue) and the picks are really nice to use, I've used two out of the blue and one of the purple. They are a bit larger than a credit card, but they still fit into my wallet. I greatly enjoy them. They are decent quality, but I personally wouldn't use them as my main picks.
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"Herringbone Hideout" in Tahoe Donner
- bedrooms 3
- baths 2½
- sleeps 8
- pool no
- hot tub no
- pets allowed no
- type House
- community
rates (USD)
/ night
vacation rental description
What a delightful Tahoe Donner vacation retreat! This 3 bedroom, 2.5 bath home will sleep 8 comfortably. Bedding includes a Queen in the master suite upstairs, Queen in the 2nd bedroom and, and 2 Bunk Beds in the 3rd bedroom.
The master suite upstairs features a large bedroom, and a huge master bath. In addition to the master suite, the upstairs level offers an open and inviting living room with wood fireplace, TV/DVD, dining area, and nicely updated kitchen.
This home has an attached 2 car garage, WiFi internet access, BBQ on the deck, and is about 2 miles to the downhill ski area.
Tahoe Donner is a wonderful, mountainous resort community with its own small downhill ski area, a fantastic cross country ski center, a sledding hill, small market/deli, and Recreation Center. The Rec Center offers hot tubs, heated pool, fitness center, saunas, health spa, tennis courts, downhill and cross country ski resorts, equestrian center, Golf Club with 18-hole course and driving range, a public restaurant (The Lodge at Tahoe Donner), and a private beach on Donner Lake.
Tahoe Donner is conveniently situated at the upper west end of Truckee. It is 5 minutes to downtown shopping and restaurants, and 10-30 minutes to ski area resorts including Tahoe Donner, Northstar at Tahoe, Squaw, Alpine Meadows, Sugarbowl, Soda Spring, Donner Ski Ranch, and Royal Gorge Cross Country Center.
This rental includes access cards for the Tahoe Donner Recreation Center resident amenities. A nominal charge applies for some activities.
property availability
Last modified on 03-12-2014 at 12:00 PM.
email owner view full calendar
Pullen Realty Group
house rental amenities
Washer, Dryer, Linens Provided, Garage: 2 car garage, Covered Parking, Parking for RV/Boat/Trailer, Wood Fireplace.
activities and attractions in Tahoe Donner Lake Tahoe Area
Jet Skiing
Mountain Biking
Cross Country Skiing
Downhill/Alpine Skiing
Wildlife Viewing
Rock Climbing
Fitness Center/Gym
Health/Beauty Spa
Horseback Riding
Hot Air Ballooning
vacation rental rates
Personal Currency Assistant™
Winter/Summer ....... $375/night
Fall/Spring .. $300/night
2 Night Minimum Stay
Higher Rates and Longer Minimums Apply Over Holiday Periods
*Book 3 nights and your 4th night is FREE (not valid during holidays)
Cleaning Fee $225; Non Refundable Damage Waiver Insurance Fee $50
10% County Occupancy tax on Nightly Rate
Note: Until confirmed, rates are subject to change without notice.
Pullen Realty Group
accepted payment methods
Prior to paying a reservation deposit, always verify payment instructions by calling the phone number displayed on this listing page. By contacting the owner directly and paying by an approved method - credit card, paypal, check or bank transfer - your reservation payment will be protected up to $1,000.
Learn more in our Security Center


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Supurbia: Ongoing
Series: Boom Studios Supurbia Ongoing
artist : Russel Dauterman
volume: 6
publisher: BOOM! Studios
publish date: 04-04-2013
product type: digital comic/eComic (Mini Series)
Summer in SUPURBIA continues, only from Grace Randolph and Russell Dauterman! Alexis and Jake grow closer as they investigate the suspicious presence of Hunt Tech, Hector Hunt's company, at the Superhero & Weapons Expo... Paul travels off-world to break the news of his divorce to his ambassador parents... Jeremy struggles with the prospects of life as the single father of a super-powered son... And Gio infiltrates a top-secret weapons deal that will have ramifications for the entire neighborhood!


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Set your taste buds straight with the Boska Cheese Curler. The world's innovative leader in cheese-related products, Boska has crafted a durable curler that will slice delicate rosettes, which release a cheese's actual nuances. This product ships directly from the manufacturer and will come in a separate box. It is available for FedEx ground shipping only, and you will receive a separate shipping confirmation email for this item. Learn More
This collection of our favorite snacks is intended to be the life of the party. Perfect for entertaining or gifting, this open-and-eat gift basket is an instant hit! Learn More
Have your taste buds tired of mass-produced brews? Well, we might suggest flipping the java script and treating those buds to the beans they deserve with Di Bruno Bros. Private Collection coffees. Learn More
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Bimini island in the Bahamas 1.242-347-3500
More Information
• Newsletter
• Activities Center
• Bimini Twist
• Mackey's Sand Bar
• The Square Grouper
• Watersports Rental
• FAQ's
• Getting Here
The "Sharklab"
South Bimini is home to the world famous Bimini Biological Field Station (BBFS), known locally as the "Sharklab". Primarily focused on research, the organization simultaneously encourages conservation and protection of Bimini's crown jewel, its natural ecosystem.
You may already have heard of the Sharklab, as their pioneering work has been featured in literally dozens of media outlets including National Geographic, the BBC, CNN, Fox, ABC, CBS, MSNBC and many more. They've even been on the popular MythBusters Show on the Discovery Channel!
The organization's primary goal is the education the public on the vital role of sharks, in particular the Lemon shark, in the tropical marine ecosystem.
The islands of Bimini, especially the North Sound and Sharkland, are vital habitat for the Lemon shark species for many reasons; including their small range area for the first three to four years of life, their year-long gestation period and their mating habitats.
The group also works with spotted eagle rays, southern stingrays, marine geography, biotope, mapping and other areas of marine science. Of course they are always alert to Nurse, Tiger, Blacktip, Caribbean Reef, Bull, Great Hammerhead, Blacknose and Atlantic sharks, to name a few of the at least 13 species you may encounter in Bimini. The lab maintains a website at: www.miami.edu/sharklab
Better yet, next time you're on South Bimini, just take your golf-cart to the smaller-than-life station. You'll see the shark sign when you head south on the left hand side of the road just before the last turn to the Bimini Beach Club. You may want to ask around for directions locally as there are few road signs on South Bimini. All in all a worthwhile and fascinating way to spend an afternoon on Bimini.
Home | Resort | Accommodations | Marina | Bimini Island | Photo Galleries | Things To Do | Contact | Blog
(242) 347-3500 Sitemap © 2009 Bimini Sands - All Rights Reserved


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Savoir Longline Pintuck Blouse
From £1.25 per week
- Price
- £25.00
- In Stock
- Delivery
- Next day delivery available
1 reviewSavoir Dipped Hem Shirt with Pintuck Detail
Smarten up your off-duty looks in this dipped hem shirt by Savoir - it's the perfect lightweight pick for this season.
Featuring pintuck detailing to the front, this blouse is given shape, while the V neck gives the classic masculine cut a feminine update. The dipped hem design provides plenty of coverage for a confident all day wear and the tie detail to the waist cinches your figure for flattering results.
Wear this shirt with a pair of Savoir Confident Curve jeans and your comfiest pair of flat shoes to complete your laid back weekend style.
Useful info:
- Shirt by Savoir
- Dipped hem
- Pintuck detail
- Button through fastening
- Fabric tie detailing to waist
So Fabulous Sheer Panel Shell Top (Available in sizes 14-32)
From £1.50 per week
- Price
- £30.00
- In Stock
- Delivery
3 reviewsSo Fabulous! Sheer Panel Top
This sheer panel top by So Fabulous! is a chic, minimalist piece that adds elegance to your spring look.
This top is a perfect transitional piece – pair it with trousers and a blazer for an office outfit wear it with a bodycon skirt and statement jewellery for a evening look. The sheer panel draws attention to your décolletage while the draping fabric creates a sleek silhouette.
Wear this top with a jersey pencil skirt, So Fabulous! court shoes and carry a studded clutch bag for an evening look with subtle edge.
Useful info:
- Shell top by So Fabulous!
- Sheer panel to top
- Three quarter sleeves
- Worn length: 25 inches
Savoir Long Sleeve Pleat Front Top
From £0.90 per week
- Price
- £18.00
- In Stock
- Delivery
- Next day delivery available
1 reviewSavoir Floral Print Long Sleeve Top
There's nothing like a floral print to get you in the mood for summer and this long sleeve top by Savoir will keep those cravings at bay through spring.
Blooming and blossoming with floral prints in every colour, this top definitely adds splashes of colour to your casual wardrobe. Full-length sleeves make it a great transitional pick to take you from the start of the year through spring, while the pleat details to the front are a beautiful finish.
Wear this top with a pair of Savoir Confident Curves jeans and ankle boots for an off-duty weekend look with style.
Useful info:
- Long sleeve top by Savoir
- All-over floral print
- Pleat detail to front
- Scoop neckline
South Shirred Gypsy Top
From £0.60 per week
- Price
- £12.00
- In Stock
- Delivery
- Next day delivery available
1 reviewColours: Black, White, Violet, Coral. Cotton. Machine washable. -
South Cowl Neck Workwear Tops (2 Pack)
From £1.25 per week
- Price
- £25.00
- In Stock
- Delivery
- Next day delivery available
2 reviewsTwo Pack Printed Cowl Neck Tops
These printed cowl neck T-shirts by South come in a great value pack of two and are a stylish way to liven up your work wear wardrobe on a budget.
Whether you choose the nautical stripe or monochrome print these tops are perfect for adding colour and personality to your 9-5 looks. The draping cowl neckline is a flirty feature and the capped sleeves are a final feminine touch.
Wear these tops with your go-to work trousers, court shoes and a blazer for a pulled together Monday morning outfit.
Useful info:
- Cowl neck tops by South
- Great value two pack
- All-over print
- Capped sleeves
Short sleeve top with contrast back.
Colour: Black, Pink. Polyester. Machine washable. -
South Metallic Cami
From £0.85 per week
- Price
- £17.00
- In Stock
- Delivery
- Next day delivery available
1 reviewSouth Crinkle Cami
Show off sun kissed shoulders and add a subtle shimmer to your evening looks in this camisole top by South.
Add an ethereal sheen to your evening attire in this cute cami top by South. With a low neckline and spaghetti straps you can flaunt your sun kissed skin this summer. It's crinkle fabric takes inspiration from Spring Summer catwalks where irons were banned and crinkles and pleats reigned! Available in three colours, the black adds a rock-chic vibe to your looks, gold gives your outfit a dash of decadence while the electric blue picks up on summer's colour pop trend.
Wear this cami top with South Ella high rise skinnies and black ankle boots for a rock inspired look.
Useful info:
- Cami top by South
- Spaghetti straps
- Crinkle fabric
- Subtle sheen
Savoir Printed T-shirt with Crochet Shoulder
Brightening up your summer wardrobe, this top by Savoir channels the season's love of prints.
Available in two prints, this ladies T-shirt is pretty in a pink floral, while the tribal pattern is earthy and mysterious. The crochet detail to the shoulders adds a touch of vintage styling and breaks up the print to give the classic tee a stylish update.
Wear this top with a pair of South 'Ella' skinny jeans to add even more colour to your look. Lift your outfit with tan wedge sandals to complete your summer holiday style.
Useful info:
- Ladies T-shirt by Savoir
- Crochet detail to shoulders
- Round neckline; capped sleeves
- Available in a tribal or floral print
Savoir Embellished Neck Twist Front Tunic
From £1.35 per week
- Price
- £27.00
- In Stock
- Delivery
- Next day delivery available
1 reviewBeaded necklace top.
Colour: Coral Paisley Print, Navy Print. 95% viscose, 5% elastane. Machine washable. -
South Pocket Utility Shirt
From £1.35 per week
- Was
- Was £28.00
- Now
- Now £27.00
- Save £1.00
- In Stock
- Delivery
1 reviewSouth Pocket Utility Shirt
This utility shirt by South is a sleek, stylish basic that adds instant fashion nous to your new season look.
Every summer wardrobe needs classic basics and this shirt is a versatile piece. Easy to glam up for a dinner date or smarten with a blazer for work this design is a fashion essential. The button through fastening and front pockets create an authentic utility feel and provides a wealth of layering options.
Wear this shirt with a leather skirt, tailored blazer and tall heels for a sharp 9-5 outfit.
Useful info:
- Utility shirt by South
- Front pocket detailing
- Full-length sleeves
- Button through fastening
Coleen PU Trim Vest
From £1.10 per week
- Price
- £22.00
- In Stock
- Delivery
- Next day delivery available
2 reviewsJersey vest with faux leather trim panels.
Colour: Black. 95% Viscose, 5% Elastane. Machine washable. -
Definitions Light Embellished Shell Top
From £0.95 per week
- Was
- Was £49.00
- Now
- Now £19.00
- Save £30.00
- Low stock, selling fast
- Delivery
1 reviewEmbellished short sleeve blouse unlined.
Colour: Khaki. Polyester. Hand wash only.


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"My experience in ordering an electronic whiteboard from Clary Business Machines was super easy. I did some research online and decided Clary had the Panaboard that we needed. I placed the order online a week and a half ago and the board was delivered today. I hope the guys around here can figure out how to install it!!"
White File Folder Labels print directly from the roll for simple use. Print labels singly or in a batch. Compatible with DYMO LabelWriter printer EL40, EL60, CoStar LabelWriter XL, 300, 310, Turbo and CoStar LabelWriter XL Plus, Turbo, 320, 330, 330 Turbo, 400, 400 Turbo, Twin Turbo, DuoTurbo and Seiko SLP 120, 240, Pro, EZ30, and Plus.
DYMO LabelWriter Printers:
CoStar LabelWriter XL Printers:
Turbo and CoStar LabelWriter XL Plus Printers:


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just called them and the lowest they can offer is 149 with upgrade fees waived :-( will try tommorow. BTW he checked walmart and bestbuy prices when i bluffed about price match.
Awesome post man.. thx a lot.. just called and was able to get S3 for 99 + tax + free nxt day shipping + no activation fee.. took some waiting time as everything had to be authorized by her manager and it was sunday but it worked. was going to go to best buy to get this and it would have cost me 235+.. ..
PS: FYI..I was not under any contract.. existing att account. |
Here is why I stay with AT&T. I have 4 lines. We currently have 700 anytimes minutes, unlimited nights and weekend, unlimited texting with unlimited mobile to any mobile. We pay 98/month with our fan discount. I pre-ordered all 4 lines for an iPhone5 upgrade and received all iPhones on the 21st. Sold them each for 950 each. and put the money in the at&t payment account. BAM! phone bill paid for 3 years! That is why AT&T/iPhone is awesome!
what about mandatory data for iphone ?
Wont they add data for each iphone? min is 300mb @ $20, so for 4 phones it is like $80? ... + there is no corp discount on the base plan ... so your new bill should be ~$200 .. am i missing any thing .. |
I myself got this offer few weeks back after reading a post in SD. I called 611 and told the same thing that my friend got this for $99 and was on hold for quite sometime and got my shipping, activation and CA tax waived by the representative (this is an upgrade). Representative charged CA tax in my credit card and gave a statement credit of the same amount immediately. Thanks for the poster who originally posted it.
Thread Tools | Search this Thread |
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t-mobile Samsung Galaxy SII or S2 is free w/2 yr contract, Web-only- till Thu 9/6/12 | green_key | Hot Deals | 13 | 09-06-2012 08:41 PM |
Buy a samsung galaxy tab 8.9 for $479 / get a samsung galaxy s ii skyrocket smart phone from att | jezzdogg | Hot Deals | 2 | 12-02-2011 08:27 PM |
Samsung Galaxy SII (T-Mobile) - $134.99 w/ 2 year contract - No activation fee - Free overnight shipping - Letstalk.com | triwood | Hot Deals | 7 | 10-21-2011 07:57 AM |
Evo 4G (1st gen) free for New Customers and existing upgrade eligible customers after 2 year agreement. Activation fee required | womead208 | Hot Deals | 18 | 07-12-2011 07:00 AM |
Motorola Atrix 4G now $99 at Costco with free shipping and 2 yr contract...still $129 for an upgrade | giselle816 | Hot Deals | 11 | 04-10-2011 04:23 PM |


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Smoke Inhalation (cont.) Medical Author:
Christopher P Holstege, MD
Medical Editor:
Melissa Conrad Stöppler, MD, Chief Medical Editor
Melissa Conrad Stöppler, MD, Chief Medical EditorMelissa Conrad Stöppler, MD, is a U.S. board-certified Anatomic Pathologist with subspecialty training in the fields of Experimental and Molecular Pathology. Dr. Stöppler's educational background includes a BA with Highest Distinction from the University of Virginia and an MD from the University of North Carolina. She completed residency training in Anatomic Pathology at Georgetown University followed by subspecialty fellowship training in molecular diagnostics and experimental pathology. IN THIS ARTICLE
Smoke Inhalation Causes
Patient Comments
Read 13 Comments
Smoke inhalation damages the body by simple asphyxiation (lack of oxygen), chemical irritation, chemical asphyxiation, or a combination of these.
Next Page: Must Read Articles Related to Smoke Inhalation
Bronchitis is acute or chronic inflammation of the air passages in the lungs. There are several viruses and bacteria that cause bronchitis. Exposure to pollutan...learn more >>
Patient Comments & ReviewsThe eMedicineHealth doctors ask about Smoke Inhalation: |
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Find out what women really need.
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Smoke Inhalation »
Smoke inhalation (SI) was described as early as the first century AD, when Pliny reported the execution of prisoners by exposure to the smoke of greenwood fires.


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10 Reasons to Paint Your Floor
Whether a classic checkerboard, bold stripe, or simple wash of color, a new look for your floors is as simple as a fresh coat of paint.
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Browse these custom storage and organization ideas to find ways to maximize space in every room of your house. - 25 Ways to Create an Outdoor Oasis
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Red and green grapes are the perfect accompaniment to a cheese platter. They're also delicious served with other fruits or baked into tart desserts. |
Like other berries, grapes can range through several levels of sweet to tart. Those sold in bunches in produce sections tend to be sweet and would not do well for winemaking. Grapes that are grown for fermenting are typically much too tangy for snacking.
European grapes are available year-round, but
Red grapes also encompass black, purple, and blue shades. These include such familiar names as
The Thompson seedless is a popular white – or green – grape sold for public consumption and is also typically used to make raisins. Other species include Princess and Perlette.
Grapes are fragile and easily bruised. Select those with firm unbroken skins and a "blush," or light powder coating. They should not be sticky. It is difficult, however, to avoid an entire bunch without a few that are mushy. Berries should not break easily from the stems.
Once plucked from the vine, ripening stops and taste will not improve.
Refrigerate unwashed, with stems intact, and use within two weeks. Grapes freeze well – for up to two months – and make a terrific frozen snack. De-stem, wash, and keep in a single layer until hard. When thawed, they remain firm.
• Always wash before serving to remove any possible insecticides. A splash of lemon or lime juice also works well.
• To remove the skin, freeze first. Use a sharp knife to make a slit on the side.
• Slice in half and garnish custards and cheesecakes.
• Chop and add to a chicken or


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*Offer valid on purchases $250 and over at viziooptic.com from January 31st through February 14th, 2014 11:59pm EST. Offer cannot be applied to previous purchases or the purchase of gift cards and cannot be redeemed for cash or used in combination with any other offers. To redeem online, enter code LOVE25 in the promo box at checkout. Limit one code per order.
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LINDBERG Kids Oval c.P20 Eyeglasses
LINDBERG Kids Oval c.P25 Eyeglasses
LINDBERG Kids Oval c.P90 Eyeglasses
LINDBERG Air Titanium Kids Oval c.P20 Eyeglasses
LINDBERG Air Titanium Rim Oval eyeglasses in color P20 are adorable frames for young children. The oval lenses look great on little faces, and the incredibly lightweight material used in these glasses help avoid any distractions. Parents can also rest assured knowing that LINDBERG eyeglasses are made with a patented spring hinge, which eliminates the worry that the frames will loosen or come apart due to a lost screw.
This Lindberg frame is available in a variety of color options. Please contact us at firstname.lastname@example.com to learn more about these options.
Call us for a FREE consultation at 866-411-9428.
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