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Dr. John NelsonAugust 20, 2004 American Medical Association Committee on the Judiciary RE: Impact of Medical Liability Issues on Patient Care Presented by: John C. Nelson, MD, MPH August 20, 2004 Good morning, Mr. Chairman. My Name is John Nelson, MD, MPH. I am the President of the American Medical Association (AMA) and an obstetrician-gynecologist from Salt Lake City, Utah. On behalf of the physician and medical student members of the AMA, I appreciate the opportunity to appear before you today to discuss how our nation's medical liability litigation system is seriously threatening patients' access to quality health care. THE CRISIS What defines a crisis? In medicine, we define a crisis as a sudden intensification of symptoms in the course of a disease. Today, we are seeing numerous symptoms that tell us our nation is facing a crisis because of a broken medical liability system. The symptoms are unmistakable--patients having to leave their state to receive urgent surgical care--pregnant women who cannot find an obstetrician to monitor their pregnancy and deliver their babies--community health centers reducing their services or closing their doors because of liability insurance concerns--efforts to improve patient safety and quality being stifled because of lawsuit fears, just to name a few. Escalating jury awards and the high cost of defending against lawsuits, even those without merit, are driving medical liability insurance premiums to unprecedented levels. As insurance becomes unaffordable or unavailable, physicians are being forced to relocate, close their practices or drop vital services--all of which seriously impede patient access to care. Emergency departments are losing staff and scaling back certain services, such as trauma units, while some advanced and high-risk procedures (such as neurosurgery) are being postponed because physicians can no longer afford or even find the liability insurance they need to practice. Many young physicians and medical students are opting out of high-risk specialties even before their careers begin, while other physicians are choosing to retire from practice altogether. Mr. Chairman, as you have recognized, the time for action is past due. Physicians across the country are making decisions now, and increasingly patients are wondering, "Will their doctor be there?" We must act now to fix our broken medical liability system. We must bring common sense back to our courtrooms so patients have access to their physicians--whether in emergency rooms, delivery rooms, or operating rooms. This is why the AMA has worked so hard to seek passage of S. 11, the "Patients First Act," which includes reasonable reforms that have been proven effective at keeping medical liability insurance premiums stable, and why we continue to join with numerous other members of a broad-based coalition known as the Health Coalition on Liability and Access (HCLA) to seek passage of critical reform legislation. As seen in the chart below, an outstanding 99% of AMA members are very or somewhat concerned with the current medical liability environment, with 87% being very concerned. Physicians and patients across the country are realizing more and more every day that the current medical liability situation is unacceptable. The AMA has nearly 100,000 physicians who are actively participating in a grassroots network to call attention to the problem and effectuate change. Patients are involved, too. Our Patient Action Network currently has over 180,000 patients advocating for effective reforms by way of over a half million communications to their respective Members of Congress. By mid-October of this year, we estimate that there will be 300,000 patients involved in the effort, and we are on track to exceed that goal. ACCESS TO CARE IS AT RISK The most troubling aspect of the current medical liability litigation system is its impact on patients. Unbridled lawsuits have turned some regions of our country--and in several cases entire states--into risky areas to be sick, because it is so risky to practice medicine. Throughout 2003 and 2004, the medical liability crisis has not waned. In fact, it is getting worse. Access to health care is now seriously threatened in 20 states, up from 12 states in 2002. In many other states a crisis is looming--a crisis that not only threatens access to quality medical care, but also stifles medical and scientific innovation, inhibits efforts to improve patient safety, discourages new treatments and procedures, heaps billions of dollars in additional costs upon a health care system already strained to the breaking point, and places lives at risk. Virtually every day for the past three years there has been at least one major media story on the plight of American patients and physicians as the liability crisis reaches across the country. A sample of media reports that illustrate the problem faced by patients and physicians is available at http://www.ama-assn.org/go/crisismap. A recent survey of AMA members shows that physicians in high-risk specialties (29%) are more likely than member physicians in low-risk specialties (25%) to have stopped providing certain services in the last 12 months. Member physicians in crisis states (29%) are more likely than member physicians in non-crisis states (25%) to have stopped providing certain services in the last 12 months. A look at several states provides a grim picture of the future of medicine if effective tort reforms are not enacted. UTAH ? After making the hardest decision of his life, Grant Carter, an obstetrician for 22 years, had to break the bad news to his patients: He was no longer delivering babies. "I consider it the grandest of all medical specialties because you can help women deliver healthy babies. . . . But it became economically unfeasible." His medical liability insurance premiums were about $80,000. Dr. Carter's patients also are greatly affected. "I've been going to Dr. Carter since I was 12 years old because I have endometriosis," said St. George resident Michelle Belcher, 26, who is pregnant with her second child. "To have to go out and find a new doctor after 14 years, I was really upset," she said. "I cried as soon as I got out of the doctor's office." (Salt Lake Tribune, April 11, 2004) ? Utah policy makers cannot say they have not been warned. In 2002, The Utah Medical Association said only half the family practitioners surveyed still deliver babies, and nearly one-third of those say they plan to stop practicing obstetrics within the next decade - most within five years. The Utah Chapter of the American College of Obstetricians and Gynecologists said that of 106 chapter members polled, 15 had already stopped practicing obstetrics. Of the remaining 91 doctors, 21 plan to follow suit within five years. "Access to prenatal care will be impaired," said George Delavan, division director with the Utah Department of Health, who also knows of doctors who are getting out because the cost is just too high. (Associated Press, July 12, 2002) ? Many family practice physicians and obstetricians in Utah are dropping obstetrics or planning to retire earlier than planned. At the same time, medical students are largely steering clear of obstetrics, which could create a crisis over the next 10 years. The University of Utah has seen the number of obstetrical-gynecological resident applications decrease from 175 five years ago to 126 this year. The University selects five new residents each year for that specialty. (Salt Lake Tribune, April 11, 2004) ? Catherine Wheeler, an obstetrician/gynecologist at Millcreek Women's Center, said rising medical liability premiums are becoming a crisis in Utah, pushing many people out of medicine and discouraging medical students from specializing in high-risk fields such as obstetrics. To pay for her insurance, Wheeler said she has to deliver 60 babies, which typically takes about four months. "We have a lot of doctors who are quitting or moving out of the state," she said. (Salt Lake Tribune, March 6, 2004) FLORIDA ? In Florida, emergency neurosurgery patients are increasingly being transported from Palm Beach County to hospitals in Broward and Miami-Dade counties, and sometimes as far as Tampa and Gainesville. In March, one of those patients, Mildred McRoy, died six days after being transferred to a hospital in Broward County because no neurosurgeon was available to treat her in Palm Beach County. (Palm Beach Post, March 9, 2004) ? Lee Memorial Health System officials announced they were giving the state a required six-month notice to close the trauma center after two neurosurgeons quit, leaving only two to handle 24-hour on-call duty. The center treats more than 1,000 trauma-alert patients a year. Recruitment efforts to bring neurosurgeons to Lee County have been disappointing. "The fact is, three trauma centers in Florida have notified the state that they can't hang on much longer," according to Lee Memorial's government consultant. (The News-Press, December 14, 2003) ? 100% of South Florida neurosurgeons have been sued, according to surveys of area physicians. In fact, 31% of physicians also have limited their practice in hospital settings, and physicians in South Florida can expect to be sued 1.44 times in their career. (Floridians for Quality Affordable Healthcare, December 2002) ? At least seven Florida hospitals have closed their obstetrics units due to insurance concerns, and four other hospitals have reduced or limited obstetrics services. In addition, ten hospitals have eliminated, reduced or limited neurological services. (Florida Hospital Association, January 2, 2003) GEORGIA ? Georgia's ongoing crisis has negatively affected patient access for children, women and families throughout the state: ? Gainesville obstetrician-gynecologist Linda Harrell, 49, learned in November that her insurance premiums had more than doubled in two years and she's now contemplating retirement. "How can you budget for increases like that?" Harrell asked. "I wanted to retire on my own terms. I didn't want to be run out." (The Atlanta Journal-Constitution, February 8, 2004) ? The Athens Women's clinic, which has offered obstetrics services for 35 years, announced May 21 that the state's medical liability crisis was forcing it to no longer deliver babies. It will continue to offer gynecological services. (Athens Banner-Herald, May 21, 2004) ? More than two dozen medical liability insurers have left Georgia, according to MAG Mutual, one of the state's remaining carriers. Since 1995, MAG Mutual's average payout in jury awards and settlements has increased from $215,000 a case to $465,300. Last year, it paid claims in 20 cases of more than $1 million. (Atlanta Journal-Constitution, February 8, 2004) ILLINOIS ? One physician relocated from Chicago to Centura Parker Adventist Hospital near Denver after her liability insurance premiums more than doubled, from $75,000 to $170,000. In Colorado, she pays only about $25,000. (Denver Post, March 4, 2004) ? Dr. Stephanie Skelly, an obstetrician-gynecologist in Belleville, is considering a move to her home state, Louisiana, where liability costs are about half compared to Illinois. The combined premium for Skelly and her partner, Dr. John Hucker, doubled to $200,000 from $100,000. They took out a loan to pay a one-time $250,000 for tail coverage. "We have to work for free this year," Hucker said. (St. Louis Post-Dispatch, October 6, 2002) ? In 2002, non-economic damages comprised 91% of the average total monetary value awarded by a jury. In 1997, it was 67%. (Illinois State Medical Society, Feb. 9, 2004) ? When three obstetrician-gynecologists on staff at Advocate Lutheran General Hospital in Park Ridge learned their 2004 liability insurance premiums would climb from $345,000 to $510,470, they decided to take their practice to Kenosha, Wisconsin, where during their first year their combined insurance will cost $50,018. "This state is like the Titanic," said one of the doctors. "A year ago, we saw the iceberg. Now we've already hit." (Chicago Tribune, March 12, 2004) MASSACHUSETTS ? Cape Cod lost its only board-certified neurosurgeon when Robert Leaver, MD, retired early rather than face insurance premiums that reached $115,000. Dr. Leaver, who said he would have to perform about 100 operations just to pay his insurance bill, had no intention of retiring. (Cape Cod Times, October 6, 2003) ? The number of jury awards topping $2 million has quadrupled over five years, according to ProMutual's chairman, Barry M. Manuel, MD, a surgery professor at Boston University. Dr. Manual also said that ProMutual's investments are not behind rising insurance premiums: "In the past 10 years, there's not one year that we've shown a negative return on our investments. It's the severity of awards that's driving this situation." (Associated Press, May 17, 2004) ? A majority of Massachusetts patients believe patients bring too many lawsuits against physicians, and they strongly support reforms advocated by the state medical society. 85 percent of voters said they supported legislation that would assess liability based on a doctor's or nurse's level of responsibility, and nearly 70 percent favor limiting non-economic damages ("pain and suffering") when economic damages (such as child care costs, lost wages, benefits, etc.) are fully covered. (Boston Herald, June 7, 2004) ? Large jury awards and settlements continue to occur in Massachusetts, putting further pressure on the liability system. In 2003, there were jury awards of $3.18 million and $1.8 million. Settlements were reported for $3.75 million and $3.25 million, eight settlements between $2 million and $3 million, and eight settlements between $1 million and $2 million. (Mass. Lawyers Weekly, January 19, 2004) MISSOURI ? St. Anthony's Health Center in Alton will lay off 50 to 75 employees in coming months. William E. Kessler, president and CEO of St. Anthony's, blamed the layoffs on declining revenue associated with increased medical liability insurance premiums and the resulting exodus of doctors from the community. (St. Louis Post-Dispatch, June 26, 2004) ? Dr. Al Elbendary, a gynecological oncologist, left a group practice and eliminated a rural outreach clinic because of rising professional liability premiums. "Women with gynecologic cancers in Ste. Genevieve, Carbondale and Chester now have to drive over a hundred miles to see a gynecologic oncologist and receive the care they deserve," said Elbendary. (St. Louis Post-Dispatch, October 31, 2002) ? Dr. Scot Pringle, a Cape Girardeau obstetrician, said he has delivered approximately 8,000 babies during his 23 years, and his premiums will likely exceed $85,000 if he continues to practice. "A lot of us have been practicing long enough we are near retirement," Dr. Pringle said. "Frankly, I don't want to put up with this mess anymore." (Southeast Missourian, April 26, 2004) ? After obstetrician Jamie Ulbrich's liability insurance carrier stopped doing business in Missouri, the best coverage he and three colleagues at their Marshall clinic could find would have cost them double what they paid in 2003. The four doctors decided they couldn't each afford the $50,000 liability insurance premium, so they decided to stop providing obstetric service and instead work solely as family physicians in 2004. (Associated Press, January 3, 2004) NEVADA ? The people of Nevada overwhelmingly support comprehensive medical liability reforms. A May 2003 poll conducted by the "Keep Our Doctors In Nevada" initiative found that more than 80 percent of Republicans and Democrats said they would support candidates who supported reforms, including a limit on non-economic damages and trial-lawyer contingency fees. (BestWire, September 15, 2003) ? "I left Nevada because the litigation climate had driven medical liability premiums to astronomical heights," obstetrician-gynecologist Shelby Wilbourn, MD, testified before a Congressional subcommittee. Dr. Wilbourn, whose premiums increased to $108,000, moved to Maine this year and still receives calls from some of the 8,000 patients he saw during his 12 years in Nevada. "Liability isn't about fault or bad practice-it's about hitting a jackpot. Even the best obstetrician-gynecologists have been sued, many more than once." (Associated Press, February 12, 2003) ? Mary Rasar's father died in Las Vegas after the only Level 1 trauma center was forced to [temporarily] close due to skyrocketing medical liability costs. Jim Lawson was injured July 4 in a traffic accident and rather than being rushed to the Level 1 trauma center at nearby University Medical Center, which had been forced to close, Lawson was taken to a hospital that did not have the resources necessary to save his life. He died while physicians tried to stabilize him for airlift to Salt Lake City. (PR Newswire, April 21, 2003) ? The ongoing crisis has caused one of the few remaining liability insurers, American Physicians Assurance, to pull out of Nevada, a move that will leave about 125 doctors looking for new coverage to continue their practices. Dr. Fred Redfern, president of the Nevada Orthopedic Society, said the withdrawal of another insurance carrier should alarm Nevadans. He said APA is his third insurance carrier to decide to leave Nevada because of the high cost of fighting medical liability claims. "This is not a good place to practice medicine. That's the message doctors are getting," he said. (Las Vegas Review-Journal, January 29, 2004) NEW YORK ? Dr. John Cafaro, 45, an obstetrician-gynecologist in Garden City, said some doctors are paying $130,000 for only $1 million worth of protection. "But we are getting sued for $85 and $90 million at a time," he said. "You do the math. Every time I walk into an operating room I put my family's life savings on the line." (New York Times, May 25, 2003) ? Of the 13 largest medical negligence lawsuits in the United States in 2002, seven were in New York state, according to the National Law Journal, including a $94 million verdict from a Brooklyn jury. (Albany Business Review, March 21, 2003) ? Awards greater than $1 million are three times more frequent in New York than in California, a state that has had reforms since 1975, according to the Insurance Information Institute. (Poughkeepsie Journal, April 1, 2003) ? Many young doctors won't specialize in obstetrics. They fear the threat of lawsuits and wince at liability insurance costs, which can be as much as $200,000 per year. Last summer, Manhattan's Elizabeth Seton Childbearing Center, which practiced natural childbirth, had to close when its medical liability insurance premiums rocketed to $2 million. (New York Daily News, February 12, 2004) ? Dr. David Pagnanelli, a neurosurgeon, said he moved to Hendersonville, North Carolina in 2002 because liability costs were too high in Pennsylvania. But they shot up here too - to nearly $190,000 a year - even though there've been no successful claims against him, he said. Following his insurance carrier's advice, Pagnanelli stopped seeing trauma cases. But neurosurgeons are in short supply in Hendersonville, so his decision means patients with life-threatening head injuries have been transferred to other hospitals. (Charlotte Observer, February 11, 2004) ? The annual number of settlements greater than $1 million for medical liability cases has more than tripled between 1993 and 2002 from 6 to 19. (N.C. Lawyer's Weekly, April 21, 2003) ? Hospitals in North Carolina have had insurance premiums go up 400 percent to 500 percent in the past three years, the North Carolina Medical Society says. Small, rural hospitals were hit hardest. (Winston-Salem Journal, March 9, 2004) ? "If we remain in North Carolina we will likely be forced to make the decision to limit procedures which carry high risks (but also are often life-saving)," said K. Stuart Lee, M.D. of Eastern Neurosurgical and Spine Associates Inc. Dr. Lee's practice saw their medical liability premiums increase 116 percent last year. (The News and Observer, January 26, 2003) OHIO ? Dr. William Hurd, chairman of the department of obstetrics and gynecology at the Wright State University School of Medicine, said the liability crisis already is driving young doctors out of the Dayton area. "In the last two years, not a single one of our (obstetrical-gynecological) residents has set up a practice in Dayton, or even Ohio," Hurd said. (Dayton Daily News, August 28, 2002) ? "My wife and I are both physicians and just arrived in Wausau [Wisconsin] in March. We fled the crisis in Ohio after spending our whole careers in that state," said Christopher J. Magiera, a gastroenterologist. Magiera and his wife, Pamela G. Galloway, a general surgeon, gave up their 15-year-old practice when their medical liability premiums that were projected to reach $100,000 apiece. In Wisconsin, they pay a fraction of that. (Journal Sentinel, April 20, 2003) PENNSYLVANIA ? In 2000, Philadelphia accounted for 82 percent of the $415 million in medical-liability awards in Pennsylvania, and 14 of the 19 awards that exceeded $5 million, according to the Pennsylvania Trial Lawyers Association. (The Wall Street Journal, January 28, 2003) ? More than two out of three medical residents in six medical specialties chose to leave Pennsylvania after completing their training, according to the Philadelphia Daily News, which examined data from the city's major teaching hospitals between 1998-2002. "The resident brain drain is greatest among doctors going into high-risk specialties: ob-gyns, orthopedic surgeons and neurosurgeons. These doctors, not surprisingly, are most likely to be sued for malpractice, and pay some of the highest malpractice insurance premiums." (Philadelphia Daily News, May 28, 2003) ? A good example of Pennsylvania's lawsuit culture came in early 2004 when juries returned $15 million and $20 million verdicts on the same day. (Associated Press February 4, 2004) ? According to Grand View Hospital President Stuart Fine, the medical liability crisis is a main reason why patient access problems are occurring throughout the state and "has caused experienced doctors to leave the area, especially neurosurgeons, orthopedic and general surgeons, obstetricians and cardiologists. Few young doctors are coming in to take their place, and the result is a shortage of doctors." (Morning Call (Allentown, PA), January 23, 2004) TEXAS ? David Gray is an emergency medical physician who has been thinking about moving to Colorado for several years to avoid lawsuits in Corpus Christi. His group of 16 emergency room doctors were sued six times in the last 30 days, as lawyers rushed to the courthouse to file cases before [recent] lawsuit caps went into effect. (Corpus Christi Caller-Times, September 16, 2003) ? Claims against Texas physicians doubled from approximately 16 per 100 physicians in 1996 to more than 30 in 2000. In the Lower Rio Grande Valley, the number of claims filed is growing at 60 percent a year. (Texas Department of Insurance) ? A pregnant woman showed up in Dr. Lloyd Van Winkle's Castroville office in South Texas, less than 10 minutes from delivery. Her family doctor in Uvalde had recently stopped delivering babies, citing malpractice concerns, and the woman was trying to drive 80 miles to her San Antonio doctor and hospital. (Fort Worth Star-Telegram, January 26, 2003) ? Fifty-two percent of all Texas physicians had medical malpractice claims filed against them in 2000, which is about twice the national average. (The Battalion, October 28. 2002) FEDERAL SOLUTION The medical liability crisis is a growing national problem that requires a national solution. If the crisis was just a matter of physicians obtaining or affording medical liability insurance in one state, we might agree that a national approach would not necessarily be required. However, the problem goes far beyond physicians and other health care professionals and institutions. The medical liability crisis has become a serious problem for patients and their ability to access health care services that would otherwise be available to them, including services provided to Medicare and Medicaid patients. Also, the premise that it is within the ability of every state to enact legislation to effectively resolve their respective medical liability crisis has been shattered by the fact that many state liability reform laws have been nullified by activist state courts or stripped of their most effective provisions under state constitutions that limit reforms. Taking into consideration that studies show the litigation system to be an ineffective, and often unfair, mechanism for resolving medical liability claims, we believe that the time is ripe for a uniform, federal approach to resolving the liability crisis. Moreover, there is a direct and compelling federal interest in reforming our outmoded medical liability system. According to estimates by the U.S. Department of Health and Human Services (HHS), altogether medical liability adds $70 billion to $126 billion to the cost of health care each year. These are the costs attributed to defensive medicine, which could be significantly reduced by effective medical liability reforms. These costs mean higher health insurance premiums and higher medical costs for all Americans, and especially for the federal government given that one-third of the total health care spending in our country is paid by the Medicare and Medicaid Programs. Further, HHS estimates that excessive medical liability adds $47.5 billion annually to what the federal government pays for Medicare, Medicaid, the State Children's Health Insurance Program, Veterans' Administration health care, health care for federal employees, and other government programs. Recent data from the agency shows that reasonable limits on non-economic damages would reduce the amount of taxpayers' money the federal government spends by up to $50.6 billion per year. The AMA recognizes that injuries due to negligence do occur in a small percentage of health care interactions, and that they can be as devastating or worse to patients and their families than injury due to natural illness or unpreventable accident. When injuries occur and are caused by a breach in the standard of care, the AMA believes that patients are entitled to prompt and fair compensation. This compensation should include, first and foremost, full payment of all out of pocket "economic" losses. The AMA also believes that patients should receive reasonable compensation for intangible "non-economic" losses such as pain and suffering and, where appropriate, the right to pursue punitive damages. Unfortunately, our medical liability litigation system is neither fair nor cost effective in making a patient whole. Transformed by high-stakes financial incentives, it has become an increasingly irrational "lottery" driven by open-ended non-economic damage awards. It is also an extremely inefficient mechanism for compensating claimants where court costs and attorney fees often consume a substantial amount of any compensation awarded to injured patients. To ensure that all patients who have been injured through negligence are fairly compensated, the AMA believes that Congress must pass fair and reasonable reforms to our medical liability litigation system that have proven effective. Toward this end, we strongly support S. 11, the "Patients First Act." The major provisions of S. 11 would benefit patients by: ? Awarding injured patients unlimited economic damages (e.g., past and future medical expenses, loss of past and future earnings, cost of domestic services, etc.); ? Awarding injured patients non-economic damages up to $250,000 (e.g., pain and suffering, mental anguish, physical impairment, etc.), with states being given the flexibility to establish or maintain their own laws on damage awards, whether higher or lower than those provided for in this bill; ? Awarding injured patients punitive damages up to two times economic damages or $250,000, whichever is greater; ? Establishing a "fair share" rule that allocates damage awards fairly and in proportion to a party's degree of fault; and ? Establishing a sliding-scale for attorneys' contingent fees, therefore maximizing the recovery for patients. While it is unfortunate that the Senate has been unable to reach the 60 votes necessary to pass a motion to proceed to debate on S. 11, the AMA strongly urges continued efforts to bring about the reforms in S. 11 that have been proven to stabilize the medical liability insurance market in California. Debate on this important issue must continue in order to improve the situation in crisis states and prevent any more states from slipping into crisis mode. The reforms in S. 11 are not part of some untested theory--they work. The major provisions in S. 11 are based on the successful California law known as MICRA (Medical Injury Compensation Reform Act of 1975). MICRA reforms have been proven to stabilize the medical liability insurance market in California--increasing patient access to care and saving more than $1 billion per year in liability premiums--and have reduced the time it takes to settle a claim by 33 percent. MICRA is also saving California from the current medical liability insurance crisis brewing in many states that do not have similar reforms. In fact, the gap between medical liability insurance rates in California and those in the largest states that do not limit non-economic awards is substantial and growing. Data from the National Association of Insurance Commissioners (NAIC) shows that aggregate premiums in California increased by 245% over the 1976 to 2001 period, while premiums in the rest of the United States increased by 750%. Studies and expert opinions confirm that MICRA reforms lower costs and improve access. In a study on the effect of reforms, Stanford University researchers Kessler and McClellan concluded that direct reforms, including caps on non-economic damages, reduced the likelihood that a physician will be sued by 2.1 percent. Within three years, premiums in direct reform states declined by 8.4 percent. Another study by Stephen Zuckerman et al. looked at several types of reforms and concluded that capping medical liability awards reduced premiums for general surgeons by 13% in the year following enactment of that reform and by 34% over the long term. Premiums for general practitioners and obstetrician-gynecologists were impacted similarly. When liability insurance premiums are lower, more physicians are able to remain in practice, and the access to quality care is improved. A July 3, 2003, study from the Agency for Healthcare Research and Quality (AHRQ) looked at the distribution of physicians across states with and without caps on non-economic damages since 1970. After adjusting for multiple factors, AHRQ found that by 2000, states with damage caps averaged 12 percent more physicians per capita than states without damage caps. In a study released in May 2003, the Joint Economic Committee of the U.S. Congress stated: "Some of the key reforms proposed at the federal level, including the cap on pain and suffering damages, have proven successful at producing savings when implemented." The study points to California, praising MICRA as "perhaps the most successful example of reform at the state level," and noting its slower rate of growth in medical liability premiums. Furthermore, there is strong support for continued efforts to fix our broken medical liability system. A March 2004 poll conducted by HCLA shows that 72 percent of Americans favor a law that would guarantee an injured patient full payment for lost wages and medical expenses but that reasonably limits awards for "pain and suffering" in medical liability cases. These findings are consistent with the results of a Gallup poll released on February 4, 2003, which show that 72 percent of those polled favor a limit on the amount patients can be awarded for "pain and suffering." CONCLUSION Unless the hemorrhaging costs of the current medical liability system are addressed at a national level, patients will continue to face an erosion in access to care because their physicians can no longer find or afford liability insurance. The reasonable reforms embodied in S. 11 have brought stability in those states that have enacted similar reforms. By enacting meaningful medical liability reforms, Congress has the opportunity to increase access to medical services, eliminate much of the need for medical treatment motivated primarily as a precaution against lawsuits, improve the patient-physician relationship, help prevent avoidable patient injury, and curb the single most wasteful use of precious health care dollars--the costs, both financial and emotional, of health care liability litigation. The modest proposals in S. 11 answer these issues head on and would strengthen our health care system. The AMA appreciates the opportunity to testify on the impact of medical liability issues on patient care and urges Congress to pass legislation, like S. 11, that would bring about meaningful reforms. |


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Robert J. Samuelson: Detroit not an isolated case; many governments are struggling
WASHINGTON — The bankruptcy of Detroit is an extreme example, but it is not an isolated case. State and local governments face a prolonged squeeze between costly commitments to retirees and demands for better services. Think schools, police, libraries, parks, roads and prisons. As the Great Recession fades, pressures for immediate service cuts may recede, Detroit notwithstanding. Don't be fooled. The reality is that the scramble for scarce resources is intensifying. Schools compete with nursing homes.
It's a new twist to an old story. In aging America, demography is politics. In 2025, there will be an estimated 106 million Americans 55 and over, nearly a third of the total population, up from a fifth in 2000. The future wrestles with the past. How much to serve the elderly and how much everyone else? At the national level, Social Security and Medicare are crowding out other programs. Similar conflicts affecting states and localities are less recognized. Spending for the aged is rising rapidly, while revenue growth is slowing.
— Swelling pensions: Not only are they increasing as baby boomers retire, but they're vastly underfunded. In 2012, promised benefits for state and local pensions exceeded fund assets by $1 trillion, estimates Boston College's Center for Retirement Research. This estimate may be too low, because it assumes an average 8 percent annual return on pension assets. A 6 percent return, closer to recent experience, would double the unfunded liability to $2 trillion.
— Costlier Medicaid: States cover about 40 percent of the expenses of this health insurance for the poor, and spending could increase by 87 percent from 2012 to 2021, projects the Centers for Medicare and Medicaid Services (CMS). An aging population and expanded eligibility under the Affordable Care Act (Obamacare) are big drivers. Medicaid already consumes 20 percent of states' general funds, the highest share for any program except K-12 education.
— Weakening tax bases: Since 1980, state and local tax revenues have increased an average of 6 percent annually, says economist Mark Zandi of Moody's Analytics. But he expects this to drop to 4.5 percent in the next decade, reflecting mainly lower economic growth and inflation.
— Eroding federal grants: States receive 34 percent of their funds from the national government, including Medicaid's federal share. Deficit reduction imperils grants for both states and localities.
Some stringency is admittedly constructive. It may curb wasteful spending. But today's pressures transcend this healthy discipline.
"We live in a world of finite resources," says Rhode Island Treasurer Gina Raimondo, a Democrat who successfully promoted an overhaul of the state's pensions. When she was elected in 2010, annual pension payments were 10 percent of state taxes and headed toward 20 percent. "You have less money for infrastructure, [K-12] education, affordable housing, higher education," she says. The changes cut the $7 billion unfunded liability by $3 billion. Eligibility ages, which allowed some workers to retire in their mid-50s, are gradually rising to match Social Security's. Generous cost-of-living adjustments (COLAs) that increased benefits 3 percent annually were suspended.
Whether Rhode Island's savings can be duplicated elsewhere is unclear. The problem is that spending on the elderly rises more or less automatically. It takes conscious action to reverse that. States and localities are slowly losing control over their budgets. Cutting pensions is hard. Legally, earned benefits for existing retirees and workers often enjoy contractual protection in state constitutions or laws. Politically, retirees command public sympathy and are represented by powerful government employee unions.
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Easter will be here in a few weeks! It's a perfect time to prepare some Montessori-inspired spring/Easter activities!
Last year I published a post with lots of Montessori-inspired spring activities (and printables). There were a number of Easter activities included.
I also published Montessori-Inspired Easter Activities. Today, I want to share Montessori-inspired Easter activities published since that post. I'll be adding to this post through Easter since many of this year's Easter activities haven't been published yet.
Most of the activities focus on Easter eggs, bunnies, and chicks and are appropriate if you have a Christian or secular Easter celebration. If you'd like activities for Lent, please see my Montessori-based Lenten activities and my Lent Pinterest board.
Montessori-Inspired Easter Activities
Easter printables (available inexpensively) from Montessori Print Shop
Easter Chick Grid Game (free printable) from Förskoleburken (see also Rabbit Grid Game from PreKinders)
Spring has Sprung! Activities for 10 Books from The Princess and the Tot
Tot Trays – Easter, Easter Sensory Bin, Tot Trays – Traveling Style, and Momma Made…Easter Egg Matching/Memory Game from Playing House
Easter Trays, including egg sorting, pom pom sorting, and rabbit tower building, from StrongStart
Easter Fun ~ Sensory Bin & More from 1+1+1=1
Easter Sensory Bin, DIY Nesting Eggs, and Easter Trays (Photo) from H is for Homeschooling
Egg-Themed Sensory Tray from Homeschool Mo
Easter Trays and More Easter Trays (photo) from Mama of Many Blessings
Australian Easter Themed Trays from Our Worldwide Classroom
Easter Week from Chestnut Grove Academy
Montessori Tot School from The Adventures of Bear
Global Easter: Pysanky Eggs from Montessori Candy
Sensory Play: Sound Eggs from The Iowa Farmer's Wife
10 Uses for Plastic Easter Eggs from Our Feminist {Play}School
Easter – Activities from Kindergarten/Easter Activities from Leptir
Working with Easter from Lesson Plans to Pots and Pans
Collaborative Easter Pinterest Board
For Easter Activities of all types, check out the Collaborative Easter Pinterest board.
Montessori Monday Link-Up
If you have some Montessori activity trays/lessons to share, please link up below. It's fine to link up a post from your archives – and you may link up anytime during the week! Please place the Montessori Monday button (using the code from the right sidebar) in your post or put a link back to this post.
Let's use Montessori Monday to gain inspiration/ideas and to encourage each other! If you would leave an encouraging comment on the post linked up ahead of you (along with any other posts you're drawn to), that would be awesome!
Thanks for participating! (Note: If you have a giveaway on your blog, please add it to my Family-Friendly Giveaway Linky Page! If you enjoy entering giveaways, you'll always find some great giveaways there! And be sure to check back here tomorrow for an awesome iPad giveaway sponsored by MontessoriCompass! UPDATE: Here's the iPad giveaway link!)
Linked to AfterSchool Linky Party, The Mommy Club Resources and Solutions at Milk and Cuddles and Crystal & Co. , What's on the Tray Wednesday, Thrifty Thursday, The Weekly Kid's Co-op, Fun Stuff Fridays, Living Life Intentionally Linky Party, The Weekly Kid's Co-op, Preschool Corner, Show-and-Share Saturday, The Sunday Showcase at Mom to 2 Posh Lil Divas and Classified: Mom, Link & Learn, and Spring Festival of Inspiration.


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- Home
- For the Home
- Kitchen
- Coffee, Tea & Espresso
- Keurig Coffee People Donut Shop K-Cup 18 Count
Review Summary
The Original Donut Shop Coffee. Remember the good ol' days with this sweet, full-bodied all-American classic.
- K-Cup Packs are intended for K-Cup brewing systems only
- 5.75-in. x 3.75-in. x 5.6-in.
- Coffee
Shipping & Returns
Shipping your purchase is easy on belk.com. Depending on the destination of your package, you can expect it to arrive within 4-7 business days. Shipping Information
Returns are easy on belk.com. Easy returns
More from: Keurig


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The purpose of this bulletin is to clarify the position of the Vermont Dept. of Banking, Insurance, Securities and Health Care Administration concerning claims made for diminished value stemming from physical damage to an automobile resulting from a covered event.
Attachment | Size |
Bulletin_164.pdf | 22.4 KB |
These documents are not legal documents but are placed here for reference purposes only. For a legal copy please contact the department.


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Posted December 26, 2012 on
AP on Fox
The Minnesota Timberwolves will have Kevin Love back in the starting lineup for Wednesday night's game against the Houston Rockets.
Love, averaging 19.6 points and 13.9 rebounds, returns after missing Sunday's game against New York with an eye injury.
Wolves coach Rick Adelman said Ricky Rubio could see his minutes increased as he continues his comeback from reconstructive knee surgery.
Rubio is averaging 4.5 assists while playing about 18 minutes per game.
''I think it's going to take him some time,'' Adelman said. ''You just have to keep playing. His legs are going to get better. His conditioning is going to get better.''
Original Story:
Minnesota's Love can't find the mark of late
Wolves Wednesday: Love returns to action
Love, Wolves look for boost from return home
Wolves' Love returns against Rockets
Ricky Rubio's Likeness Made Into Giant Blanket for Christmas Gift (Photo)
Behold the giant Ricky Rubio blanket
Check Out This Incredible Ricky Rubio Blanket
The Minnesota Timberwolves reveal their holiday traditions (Video)
Ricky Rubio fan gets a giant rug with his face on it for Christmas (Picture)
Rockets-Timberwolves Preview
Minnesota Timberwolves share their holiday traditions (Video)
Lady gets Ricky Rubio blanket for Christmas (Picture)
A Diehard Timberwolves Fan Made His Grandmother A Ricky Rubio Blanket
NBA Forum Discussions
1 replies,
7 days ago
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Category: Funeral Flowers, Floral Designers, Florists & Flowers, Flowers & Florist Supplies
(309) 829-1001
1208 Towanda Ave, Bloomington, IL 61701
Forget Me Not Flowers has been proudly serving the Bloomington-Normal area for over 30 years. We are family owned and operated and are committed to offering the finest products and services in a prompt and friendly manner. We provide one of the largest
7.9 Miles
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Karen James Swing
The common "thread" in this body of work is the use of a sewing machine, pushing it beyond the normal...Elise Delfield
View Gallery
Pincu Pottery
Media: Clay
I make functional terracotta pottery for the artful table.
When I was a child, things were purchased and folks were hired to fix things. My parents worked hard at their successful business and didn't have time to spend on creating and fixing, other than the family meal. It wasn't until college that I learned I could create and fix something other than a great meal with my own hands. This life-changing epiphany happened in a pottery class at the college student union. At first touch, I fell in love with making pottery. I fell in love not only with the material, but mostly with the act of making. Working with my hands, creating life from mud and in a short time, that object being something so useful, so basic, was exhilarating. Enough so, that I changed my focus in college and was determined to make pottery my life's work.
My clay studies began at the University of Florida. From there I traveled seeking more opportunities to learn and grow – Eastern Kentucky University, Cleveland Institute of Art, Penland School of Arts & Crafts, Arrowmont School of Crafts, Edinboro University, University of Miami, Fl. In 1999 I began Pincu Pottery, showing in galleries and outdoor art shows. Today, I have a studio/showroom where I teach this love of pottery to tourists and locals. Turns out, my love of teaching is just as strong as my love of really great functional pots.
My goal is to create beautiful pottery that is comfortable and functional. Using the local landscape as my muse – primarily the red clay earth and lush green foliage – I alter and decorate my pots. My love of food and cooking inspires my functional shapes. Hopefully my passion for handmade and well-made pottery will rub off on the folks that visit my showroom and/or take a class in clay at Pincu Pottery.
To learn more about my pottery or classes, please visit my website.
You can also follow me on Facebook and see what my students are up to.


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Access the Global Review here:
Welcome, guest
Mon Oct 3, 2011
Since their inception hedge fund managers have made total net profits of $557 billion to 30 June 2011. Sopher, who unveiled what is now an annual piece of research at the InvestHedge Forum two years ago, noted the figure was slightly down from the $597 billion that they were estimated to have made up to 31 December 2010.
In the most recent research, however, LCH analysed those profits to assess the markets and instruments through which the funds have made those profits. The main finding was that $324 billion, or 58.2% of the total profits made by...
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1-10 of 29 properties for sale found
£500,000 Offers in Excess of
Offers in Excess of £500,000
5 bedroom detached house for sale Durrington, Wiltshire Property For Sale
An exceptional 5 bedroom family home with good sized garden and single bank fishing rights on the River Avon. Excellent views across countryside and farmland. More details ›
6 bedroom detached bungalow for sale Larkhill Road, Durrington, Salisbury
Located in the popular VILLAGE of Durrington this well presented DETACHED 5 bedroom chalet bungalow. This spacious home offers 2 RECEPTION ROOMS, living room, LARGE KITCHEN/DINER with island, master with ENSUITE, 2 further bathrooms, large PRIVATE REAR GARDEN, separate ANNEXE and off road parking. More details ›
£410,000 Guide Price
Guide Price £410,000
5 bedroom detached house for sale Durrington, SP4
A truly charming five bedroom detached house situated in an enviable location within the older part of this popular village. An internal viewing is essential to fully appreciate this lovely home. More details ›
3 bedroom detached house for sale Stonehenge Road, Durrington.
Detached three / four bedroom spacious 1960's chalet style home with large gardens, sitting room, dining room, kitchen/ breakfast room, study / bedroom four, utility room and family bathroom. Single garage and generous off road parking. NO FORWARD CHAIN. EPC rating E. More details ›
3 bedroom detached bungalow for sale Coronation Road, Durrington
A well presented surprisingly spacious detached bungalow on a good size plot in Durrington. Accommodation includes sitting room, large conservatory which has been added by the current owner, kitchen with larder, utility room, three double bedrooms, spacious bathroom, good sized private rear garden, More details ›
4 bedroom semi-detached house for sale School Road, Durrington.
A recently refurbished semi-detached house in a convenient location offering many charming features and a good potential to extend STPP. The property comprises a sitting room with exposed brick wall, open plan dining room with French doors to the garden, rustic style kitchen with wooden work... More details ›
- Photos: 11
- Floorplans: 0
4 bedroom semi-detached house for sale School Road, Durrington, Salisbury
A beautifully presented FOUR bedroom family home situated in the popular village of Durrington. With off road parking for two vehicles as well as a garage this property is sure to tick all of your boxes! The property boasts TWO reception rooms and good sized gardens. More details ›
£245,000 Guide Price
Guide Price £245,000
4 bedroom end of terrace house for sale Durrington
An attractive and beautifully appointed four bedroom end of terrace house very well situated on a popular development on the edge the village. Entrance hall, Living room, Kitchen/breakfast room, Cloakroom, 4 Bedrooms (3 Doubles and 1 Single), 2 Bath/Shower room, (1 en-suite). Small private garden... More details ›
3 bedroom detached house for sale Andrew Close, Durrington
A detached bungalow which has been extended to create more living space and is also sat on a good size plot in a quiet cul-de-sac. Accommodation comprises three bedrooms, large sitting room with open fire and opening to the ample dining room area, conservatory, kitchen and bathroom, integral garage More details ›
2 bedroom detached bungalow for sale Stonehenge Road, Durrington, Salisbury
This SPACIOUS two bedroom DETACHED bungalow is located in the popular village of Durrington. The property comprises of two GOOD SIZED reception rooms, separate kitchen, two DOUBLE bedrooms, and family bathroom. More details ›


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Earl R. Wilson, one of the founders of Methodist Rehabilitation Center and chairman of its board of trustees for 25 years, died of a stroke on September 25, 2000. His visionary leadership continues to inspire those who knew him and the legacy of hope he helped create lives on.
Methodist Rehabilitation Center Leadership
Matthew "Matt" L. Holleman, III serves as chairman of the board of trustees of Methodist Rehabilitation Center.
Holleman is president and CEO of Galaxie Corp., an investment company. He is the former president and CEO of Mississippi Valley Gas, where he worked for 15 years. He has a bachelor's degree in business from the University of Mississippi and a master's degree in business administration from Mississippi College. He also is involved with the Society of International Business Fellows, the Public Education Forum, the Boy Scouts of America, the Mississippi Museum of Natural Science Foundation, the Mississippi Technology Alliance, the Nature Conservancy and the Mississippi Museum of Art. Mike P. Sturdivant Jr, serves as vice chairman. A board member since 1979, Sturdivant most recently served as board treasurer. He has a Bachelor of Arts in business from Millsaps College and a master's degree in business administration from Harvard Business School. He is part owner of Due West Plantation, a family-owned farming operation in Glendora. David L. McMillin serves as board secretary, a position he has held since 2001. A board member since 1999, McMillin received his master's degree in business administration from Millsaps College and a bachelor's of business administration from the University of Mississippi. He is a region sales manager for Xerox Corporation. Walter Weems is treasurer for the board. A board member since 2002, he received his Bachelor of Arts in history, economics and political science from Vanderbilt University and a juris doctor degree from Vanderbilt Law School. Since 1999, he has been the chairman of the board for Brunini, Grantham, Grower & Hewes. Methodist Rehabilitation Center Board of Trustees President and Chief Executive Officer | Mark A. Adams Officers | Matthew (Matt) L. Holleman, III—Chairman of the Board, Mike P. Sturdivant, Jr.—Vice Chairman, David L. McMillin—Secretary, Walter Weems—Treasurer Members | Rev. Bert Felder, C. Gerald Garnett, Ann Holifield, Tish Hughes , William R. (Randy) James, Otis Johnson, S. Edward Kossman, Jr., Michael D. Maples, M.D. , William (Bill) A. Ray, Michael Reddix, M.D., E. B. (Bud) Robinson, Jr., Dobrivoje Stokic, M.D., Thomas A. Turner, III, Dirk B. Vanderleest, Wirt A. Yerger, III Life Members | Sally Carmichael and Dean M. Miller
Founders | Earl R. Wilson, Frank E. Hart, Sr., Hilton L. Ladner, Jesse L. Wofford
Community Health Needs Assessment
CLICK HERE to read the Fiscal Year 2014-2016 Community Health Needs Assessment for Methodist Rehabilitation Center
CLICK HERE to read the Community Health Implementation Plan
© 2014 Methodist Rehabilitation Center | All Rights Reserved | Notice of Privacy Practices | Contact Us


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November 1 – December 15, 2013
Stolen Stories: the Art of Frank Tumino
The automatic drawings of Chicago artist Frank Tumino begin with papers which have previously been marked and stained by others. Freeing the process from his rational control, the artist allows images to bubble to the surface out of this base. Tumino likens the paper to a living being which keeps its story hidden and guarded within itself. "My role is as much as a thief, stealing these images, than as an artist, making them visible."
Artist's Reception: Sunday Novemember 10, 2 – 4 PM


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Romano Chicken Supreme Recipe
Plenty of Romano cheese and golden brown bread crumbs add flavor and crunch to this tender chicken and mushroom recipe from field editor Anna Minegar of Zolfo Springs, Florida.
- 6 boneless skinless chicken breast halves (5 ounces each)
- 1/4 teaspoon salt
- 1 pound fresh mushrooms, chopped
- 3 tablespoons butter
- 1 tablespoon lemon juice
- 1 teaspoon dried basil
- 2 garlic cloves, minced
- 1/2 cup reduced-sodium chicken broth
- 2 tablespoons orange juice
- 1 cup soft bread crumbs
- 1/3 cup grated Romano cheese
- In a large skillet coated with cooking spray, brown chicken on both sides over medium heat. Transfer to a 13-in. x 9-in. baking dish coated with cooking spray; sprinkle with salt.
- In the same skillet, saute mushrooms in butter until tender. Stir in the lemon juice, basil and garlic; cook 1 minute longer. Stir in broth and orange juice; heat through. Spoon over chicken; sprinkle with bread crumbs and cheese.
- Bake, uncovered, at 400° for 20-25 minutes or until a thermometer reads 170°. Yield: 6 servings.
Originally published as Romano Chicken Supreme in Taste of Home
October/November 2007, p21
Reviews for Romano Chicken Supreme(3)
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Reviewed Dec. 3, 2010
I just made this for supper tonight. Both my husband and I really liked the flavor. I will be making this again.
Reviewed Nov. 18, 2010
I've made this recipe many times and always get compliments. Excellent!
Reviewed Jan. 31, 2009
I was going to make chicken cacciatore tonight (the recipe from the 1974 edition of Joy of Cooking), but this recipe caught my eye and I decided to make it instead. Awesome! Chicken breasts, mushrooms and cheese--what's not to love? And I was quite surprised to learn that my ten-year-old loved the mushrooms.
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- Chicken Dinner Recipes >
- Chicken Main Dishes >


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Do real science, at home.
Volunteer computing for biomedicine
GPUGRID.net is a distributed computing infrastructure devoted to biomedical research. Thanks to the contribution of volunteers, GPUGRID scientists can perform molecular simulations to understand the function of proteins in health and disease.
"I hope mankind will acknowledge people like you, its real heroes."
—Grzegorz Granowski,Volunteer & Donor
Our research
Cancer »
Unveiling mechanisms of drug resistance and malfunctions in cell signalling pathways in Cancer.
Modelling the process of how HIV maturation first starts by simulating the activation of one of its key proteins: the protease.
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Investigating features of neurologically important proteins that have thus far evaded traditional experimental techniques.
Methods »
We are constantly implementing new methods and applications that push the boundaries of our field farther.
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SunPower offers energy monitoring as part of a solar system package for your home or business. To learn more, contact us today at 1-800-SUNPOWER (1-800-786-7693).
Already have a SunPower monitoring system installed? Login here:
Location: | 51 schools in Contra Costa County, CA |
Completed: | November 2012 |
Installation Type: | Parking Canopies |
System Size: | 12.1 megawatts |
Estimated Savings: | $220 Million |
Covered Area: | 664,683 square feet |
Number of Panels: | 28,568 |
Products: | SunPower® Fixed-Tilt Parking Canopy and Shade Structures |
Mount Diablo Unified School District
Walnut Creek, CA
November 2012
" Not only does our solar project model good environmental stewardship for our students, it will also help generate millions of dollars in funding and cost-savings which are critical for our educational programs in these difficult financial times. "– Steven Lawrence, Ph.D.,


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Xastir—Open-Source Client for the Automatic Packet Reporting System
Getting an Amateur Radio License
Many people think of Amateur Radio operators as old guys sitting in the basement in front of a radio with glowing tubes, tapping on a Morse code key.
The good news is that Morse code is no longer a requirement in the US. Tubes have been replaced by transistors, integrated circuits, embedded processors and software defined radio (SDR). We have satellites in orbit, had digipeaters on the international space station and (now expired) MIR, and do EME and EVE signal bounces (Earth→Moon→Earth and Earth→Venus→Earth). It's not your grandpa's ham radio anymore!
License types have been streamlined to three: Technician Class, General Class and Amateur Extra Class. Each license grants additional privileges, mostly in the form of additional allowed frequencies. The entry-level Technician Class allows you to participate in the APRS network described in this article along with many additional privileges.
Many barriers to getting a license have been removed. Tests are no longer given by the FCC field offices, but by volunteer examiners. In large urban areas, there may be multiple places to take a test each month. Practice tests are available on-line (try www.qrz.com and others). For more information about Amateur Radio licensing, or where to find testing in your area, go to www.arrl.org and click on Licensing.
Note: the information above is US-centric. Each country has a regulatory body governing Amateur Radio and often a national Amateur Radio organization. Contact your national organization or regulatory body for specific details regarding Amateur Radio licensing in your country.
Equipment Needed for Xastir/APRS
1) Minimum requirements: a live Internet feed, Linux (or another UNIX/UNIX-like operating system) and Xastir.
2) Adding Amateur Radio to the mix: Linux, a soundcard, the soundmodem package, a two-meter ham radio, a valid ham radio license and Xastir. It is possible to configure this setup with or without the Linux AX.25 library.
Note that it's completely legal to own Amateur Radio equipment without an Amateur Radio license, as long as you use the equipment only to receive. Transmitting on Amateur Radio frequencies without a license is blatantly illegal, and the community is capable (and motivated!) to hunt down troublesome rogue transmissions, and the FCC has a long tradition of prosecuting miscreants.
3) A more reasonable station: Linux plus a hardware TNC in KISS mode, a two-meter radio and a valid license. Again, one can configure with or without the Linux AX.25 library.
To build a portable or mobile tracker, many options exist that don't involve carrying around a full-blown laptop. Go to info.aprs.net, and click on Hardware to see loads of options.
Xastir Home: www.xastir.org
Mailing Lists: lists.xastir.org/mailman/listinfo
SourceForge Project: sourceforge.net/projects/xastir
Soundcard Wiki Page: www.xastir.org/wiki/index.php/HowTo:SoundModem
AX.25 Wiki Page: www.xastir.org/wiki/index.php/HowTo:AX.25
SAR Page: www.eskimo.com/~archer/xastir/SAR.html
APRS Main Pages: aprs.org
APRS Wiki: info.aprs.net
ARRL: www.arrl.org
Practice Tests: www.qrz.com
Naval Academy Radio Club's 2008 Army/Navy Football Run LIVE Tracking Page: www.aprs.org/football.html
Photo of the Original GPS Tracker Installed in the Football Helmet for Runners Who Traveled from an Annapolis Pep Rally to the Stadium in New York: www.usna.edu/Users/aero/bruninga/foot.html
APRS Tracking 1993 Football Run: www.usna.edu/Users/aero/bruninga/football.html
Curtis E. Mills, WE7U, became active in packet radio in the mid-1980s, creating a receive-only station from a radio, a single-chip interface circuit and custom assembly code. He's active in search and rescue and contributes to Firenet, Xastir, SmartPalm and gpsbabel development. Other interests are hiking and bow hunting when his kids aren't running him ragged. He's employed as an engineer at Fluke Corporation. Reach him at email@example.com or as WE7U-3 on APRS. He also can be found on Xastir, NWAPRS and APRSSIG lists.
Steve Stroh, N8GNJ, had his first experiences with TCP/IP networking via Amateur Packet Radio on the Puget Sound Packet Radio TCP/IP network (WETNet) in the late 1980s. From hanging out with that bad crowd of techies, Steve became a sysadmin (on systems lesser than Linux) and in 1997, began writing about broadband wireless Internet access based on his practical experience with wireless gained from being a ham. He's looking forward to some winter projects, including diving deep into open-source wireless mesh networks, embedded ARM-based Linux systems, running IPv6 over Amateur Packet Radio and getting a number of radios back on the air after a long absence. Steve can be reached at firstname.lastname@example.com.
Laura Shaffer Mills studied engineering, but prefers writing software in any convenient language. She hopes to learn something new from every project and particularly enjoys solving problems that no one else had found. She relaxes with wire harp or tatting, since both are quite rare. Laura lives with her husband and three daughters and can be found at www.redwriteblue.com.
Linux has become a key foundation for supporting today's rapidly growing IT environments. Linux is being used to deploy business applications and databases, trading on its reputation as a low-cost operating environment. For many IT organizations, Linux is a mainstay for deploying Web servers and has evolved from handling basic file, print, and utility workloads to running mission-critical applications and databases, physically, virtually, and in the cloud. As Linux grows in importance in terms of value to the business, managing Linux environments to high standards of service quality — availability, security, and performance — becomes an essential requirement for business success.
Sponsored by Red Hat
If you already use virtualized infrastructure, you are well on your way to leveraging the power of the cloud. Virtualization offers the promise of limitless resources, but how do you manage that scalability when your DevOps team doesn't scale? In today's hypercompetitive markets, fast results can make a difference between leading the pack vs. obsolescence. Organizations need more benefits from cloud computing than just raw resources. They need agility, flexibility, convenience, ROI, and control.
Stackato private Platform-as-a-Service technology from ActiveState extends your private cloud infrastructure by creating a private PaaS to provide on-demand availability, flexibility, control, and ultimately, faster time-to-market for your enterprise.
Sponsored by ActiveState
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Effective September 09, 2010 | |
Prime Rate | 3.000% |
Helpful Financial Advice
Don't know managed portfolios from segregated funds? Congratulations, you're normal. We know financial jargon can be confusing – that's why we don't use it. Whether you're a hardcore investor or just getting started, you get the same friendly, down-to-earth financial advice. Plus, it's free.
And not just from one person. Our entire Investment Services team can help you, because they're all up to speed on your financial goals. Which makes it easy to get a second opinion, or even a 17th opinion. And did we mention our financial advice is free?
Ready to get started? Contact us and we'll introduce you to our Investment Services team. |
Call us at 1-888-517-7000 Mon-Sat, 8am-8pm, or visit a Coast Capital Savings branch. |
How we can help
Retirement Planning | It is never too early or too late to plan for your retirement. Whether you are retiring next year or decades from now, we can help with RRSPs or RRIFs in an investment plan that is custom fit to meet your personal objectives. We know, we know, the sooner the better. Right? |
Estate planning | All good things come to an end. Even you. Estate planning ensures that your assets go exactly where you want. And that they retain as much value as possible. |
Tax planning | Tax planning isn't just for the fabulously wealthy. It works for any tax bracket. And it can help you hang on to a lot more of your hard-earned cash. |
Insurance | For many of us, personal goals are focused on providing for our loved ones. That's why insurance is an important part of a complete financial guide. Just in case you meet a pack of wolves while bringing home the bacon. |
Life stages | Changing careers, getting married, buying a new house, going through a mid-life crisis – there are numerous intersections in your life where you may need to re-assess your financial plan. We're here to help. |
Important legal disclaimer
Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses all may be related with mutual fund investments. Please read the prospectus carefully before investing.
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Euro Sell | 1.4607 |
Effective February 11, 2014 | |
Mortgage rate and approval based on risk profile. Additional fees may apply. | |
3-Yr Fixed Closed | 3.150% |
5-Yr Fixed Closed | 3.650% |
3-Yr Convertible | 2.800% |
5-Yr Half & Half Rate | 3.300% |
Effective March 05, 2014 | |
Better-than-cash™ GIC | 1.450% | 1-Year | 1.550% |
15-Month GIC | 1.650% |
5 year | 2.250% |
Additional fees may apply. | |
Low Rate Modulo GOLD | 9.9% |
Travel Odyssey GOLD | 19.4% |


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Perfect gPants® For Everyday UseLarge: 22-36 lbs (10-16 kgs)
gDiapers® gPants are reusable diaper covers that you use again and again. The Everyday g's 6-pack includes 6 gPants, a cost-friendly way to get started or to stock up. Includes three orange and three green gPants. Everyday g's come in sizes small, medium and large. Use with Disposable Inserts or Cloth Inserts (sold separately).
What Goes InsideUse with gDiapers Disposable Inserts that you can flush, compost* (wet ones only, please) or toss. gPants are made of highly technical fabrics that not only keep messes contained, but also are breathable, so diaper rash is kept at bay. When the insert is soiled, simply remove from the gPant, dispose, and tuck in a new insert for a fresh change. Use the same gPant through multiple changes. Change out the snap-in pouch when dirty.
Just the Right SizegPants are perfectly sized for a trim fit, from newborn to toddler. gPants come in sizes newborn, small, medium, large and extra large. Not all colors are available in extra large. Newborn gPants are available exclusively in white and come in the Newborn Bundle.
Contents and CaregPants are 92% cotton, 8% spandex for a gentle stretch and trim fit. gPants fasten around the back, away from little hands. Machine wash cold or warm, machine or line dry. Close tabs and remove snap-in pouch before washing gDiapers. Reusable diaper covers with disposable inserts that you can flush, compost* (wet ones only) or toss.
*Disposable inserts are 100% biodegradable in a home compost (wet ones only, please) in 50-150 days per testing by a third party independent testing facility.
©Down to Earth Designs, Inc
Use M-L-XL inserts with Medium, Large & X-Large. Machine was cold or warm, machine or line dry. Flush: Put poop where it belongs. Toss: Less garbage, less guilt.


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Cranberry Blood Orange Black Tea Bags
Tart-Sweet, fruitful blend of cranberries, black tea, and orange peels.
- 4 Stars
Black Tea has less than half the amount of caffeine per cup than in a similar-sized cup of coffee. More about caffeine.
Steeping Instructions
Steeping black tea is easy. Simply heat fresh, filtered water to a rolling boil. Then pour water over tea and steep for 3-5 minutes if using a tea bag or full-leaf.
Organic, Fair Trade Certified TM fine black tea, natural cranberry flavor, orange peels, natural blood orange flavor and cranberry bits
Country of Origin
Ceylon, China
- 4 Stars
- 4
What our Citizens are saying about this great gift of the leaf...
5 Stars |
YUMMY!!!! | March 06, 2014 |
Alice Fountain Roseville, MI |
Can really taste the cranberries and the orange. The second best. The best ever is Comfort and Joy. |
5 Stars |
Please Make a Decaf Version | February 26, 2014 |
Peita Round Rock, TX |
I love the flavor of this tea and it's very satisfying. I'd love it even more if it were also available in a decaf version so I can drink it at night. |
5 Stars |
Favorite tea anywhere | January 27, 2014 |
Kristin Griffin San Jose, CA |
I grew up a "southern sweet tea" girl and through the years have developed a love for hundreds of flavors and types of tea as I have traveled the world. This is my absolute favorite and the way I start my day, every day. I carry it with me in my work bag and look forward to it's subtle wake me up. |
5 Stars |
A new favorite! | January 08, 2014 |
Michelle Chicago, IL |
There is something about this tea that is really special. It has a lot of flavor while still being mild (not overly fruity). Very smooth & tasty. I will be ordering more :) |
5 Stars |
cran/blorange tea | December 15, 2013 |
Sara Yankton , SD |
Quickly became my favorite tea. I have shared it with many people and they all love it as well. |


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RNIB Cymru offers a range of training courses and consultancy services.
Find out about RNIB Visibly Better Cymru - our accreditation scheme for supported housing in Wales. The scheme is built around six standards and offers a modern outlook on accessible homes for everyone. We promote independence and safety for people with limited physical movement, as well as sight loss.
This course is taught through RNIB Cymru and University of Wales in Newport, and is mandatory for Qualified Teachers of Visually Impaired Children (QTVI). For more information please contact Nicola Crews on 029 2044 9567.
For more information please contact Claire Milton on 07870 643 461.
Contact: firstname.lastname@example.com
Last updated: 4 July 2013
Right now we can only reach one in three of the people who need our help most. Please make a donation and help us support more blind and partially sighted people.


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Access the Global Review here:
Welcome, guest
Mon May 24, 2010
Matrix Group, the privately owned UK financial services business, has unveiled a number of initiatives to boost the development of its fast-growing asset management arm.
In the past three weeks, the firm has hired a new head of risk management from Man Group, added new hires to boost the sales and marketing teams for its asset management arm, confirmed details of its latest hedge fund launch in the emerging markets space and announced plans for its debut in the UCITS arena.
Tiraneh Tehranchian is joining as head of risk from Man Global Strategies, where she was head of risk for nearly five years. Before that she was risk manager at Abbey National Treasury Services, having started her career...
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SHANGHAI, Feb 4 (Reuters) - China's money rates rose
slightly on Monday as dealers prepared for the upcoming Spring
Festival holiday, traders said.
Chinese banks are accumulating cash for a seasonal surge in
withdrawals for the week-long Spring Festival holiday which
starts this weekend.
The benchmark weighted-average seven-day bond repurchase
rate rose nearly 10 basis points to 3.43 percent
from 3.33 percent at the close on Friday.
The 14-day repo rate rose to 3.8808 percent
from 3.6585 percent, and the one-day repo rate
rose to 2.86 percent from 2.69 percent.
In the bond market, interest rate swaps (IRS) rose slightly
on Monday.
One-year IRS was at 3.15 percent, up from
Friday's close of 3.14 percent, while the benchmark five-year
IRS rose to 3.75 percent from 3.73 percent.
Current Prev close Change
(pct) (bps)
7-day repo 3.4270 3.3321 +9.49
7-day SHIBOR 3.4000 3.3400 +6.00
Note: Repo rate is weighted average.
To see stories on China's debt issue
For prices for central bank bills, treasury bonds and
sovereign bonds, please click,
To see a general guide to contributed price data,
news and analysis, please click
(Reporting by Lu Jianxin and Pete Sweeney; Editing by
Jacqueline Wong)
Keywords: MARKETS CHINA BONDS/
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Copyright Thomson Reuters 2013. All rights reserved.
The copying, republication or redistribution of Reuters News Content, including by framing or similar means, is expressly prohibited without the prior written consent of Thomson Reuters.


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CD/LP/Track Review
Ivo Perelman/Jay Rosen: The Hammer
To that list add Ivo Perelman and Jay Rosen. The Hammer pounds a message of rebellious attitude not unlike that of the band Rage Against The Machine. But where Rage gets it's fuel from amps and electric bass, Perelman and Rosen make fire the old fashion way, through lightning strikes. And it strikes hard with the title track opener, the longest piece of the dozen, included clocking in at eight ½ minutes. The remaining tracks, all timed from a minute ½ to six, allow listeners to recover from the onslaught. Not that this is a blowout on every track. The limitations of Perelman's trombivo, an alto trombone with a saxophone mouthpiece, necessitate bringing the intensity down on "Frying Pan Destruction" and "The Shelton Hotel." Two pieces while not meditative, address Perelman's lyricism.
Rosen doesn't back down or play second fiddle to Perelman. His energy blasts are just as frenetic and juiced. Together the duo carries the energy forward from Coltrane/Ali sessions.
Track Listing: The Hammer; Frying Pan Destruction; Abstinence; Five Avocados; The Fine Points Of Living; Milky Selma; The Shelton Hotel; What
Personnel: Ivo Perelman - Tenor Saxophone, Trombivo; Jay Rosen
Record Label: Leo Records
Style: Modern Jazz


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Thanks to those that entered our circus ticket giveaway. The winner is Brien Hebb, who offered not one, but two adorable stories:
One of my favorite things my daughter, now 8, ever said was back before she started kindergarten. It was just me and her heading to the Science Center and trying to park in the Hyatt garage. She asked, "Daddy, why do you keep driving in circles?" not realizing we were going up levels. I replied, "I'm trying to find a parking space." To which she says, "Daddy, don't you know if you keep going in circles you don't get anywhere?" Clever girl. Another favorite is when she asked me what flavor gum I had just given her. I said, "Mint with Melon Accents", She replied quickly, "I didn't know melons could talk."
Everyone else can still get tickets here! Have a great time!!


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Home & Garden
The Bra Maid lingerie cleaning solution kit provides a complete cleaning and protection solution for washing bras, panties, hosiery and other delicate items in the washing machine.
This product includes a bra saver consists of two half-shell design hinged with a very convenient buckle closure to wash your bra with excellent protection in washing machine. With unique vent-holes design throughout the entire product allows flowing water into the ball and bra throughout vigorous wash and rinse cycles, plus a floating-ball with protruding soft modules that massage bra using its powerful friction for a thorough cleaning. This bra saver protect bras from twisting, stretching, and crushing; keep bra stay in shape, retain comfort, and support. A great affordable gift for any woman! Along with the bra saver, the Bra Maid also includes a laundry bag designed to clean panties, hosiery and other delicate items in the washing machine and dryer with good protection.
You get 2 BraMaid Kits.
One Size. Good for bra sizes up to 38D.
Select a color from the drop-down box.$29.991.0/5 (1) -
Home & Garden
Get ready for the holidays with holiday decor, or create an outdoor oasis with garden and patio furniture and fashions that are fun and functional.
Restful Nights Ultima Supreme Comforter
For those who prefer fiber filled products we offer the Ultima Supreme down alternative comforter. Specifically created to mimic the loft and warmth of down this comforter is filled with highly slickened Ultima Supreme fiber coils that offer silky loft and breathability adding to your customers year round comfort.
Features:- Fill - Ultima Supreme spiral-spun fiber with a highly siliconized slick finish that is extra soft and lofty
- Fabric -230 thread count 100 percent cotton tick
- Construction -Ringstitch design; Single needle corded edge
- Package - Zip vinyl bag
Select a size from the drop-down box.$99.99 - $149.99 -
Home & Garden
Get ready for the holidays with holiday decor, or create an outdoor oasis with garden and patio furniture and fashions that are fun and functional.
Pacific Coast Down Blanket
This is a traditional blanket that is designed and sized with luxurious filled down to provide extra warmth and comfort over ordinary blankets.
Pacific Coast Down Blanket:- Allergy Free Pacific Coast Fill Down Fabric
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- 100 percent cotton cover matching satin trimmed edge
Select size and color from the drop down box.$139.99 - $199.99 -
All Natural Down Comforter
This light weight down comforter is a restful nights brand of down comforter.- Fill or Loft-550 fill power
- Duck Down,li>100 % Cotton Tick with 230 thread count
- Construction: 15" diamond box design
- Select size from the drop down box.
$119.99 - $179.99


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Three years ago, Alex Gordon was an Omaha Royal, his career seemingly at a crossroads.
On Saturday, the former Nebraska All-American from Lincoln Southeast was named to his first American League All-Star team as one of two selections from the Kansas City Royals.
Back in 2010, Gordon hadn't established himself as a major league force, and he hadn't been able to stay healthy. And the second overall pick of the 2005 draft was being asked to move from third base to left field, presumably to clear a path for the up-and-coming Mike Moustakas, when he was demoted to Class AAA Omaha in early May.
But he got his game back together and adapted quickly to left field, becoming one of the league's best outfielders and earning Gold Gloves for his defensive work each of his first two full seasons at the position.
"I've had my ups and downs, so this is pretty cool," Gordon told the Associated Press.
"If you asked me about this three years ago, I'd have said no chance, so it's pretty cool. (Kansas City manager) Ned (Yost) always says it's something nobody can take away from you, so it's something we're going to embrace and have fun with and it's pretty cool."
For the first time in a decade, Kansas City landed two players on the All-Star team. Catcher Salvador Perez was also selected. Perez played 12 games for Omaha both in 2011 on his way up to the majors and again in 2012 on an injury rehabilitation assignment.
"Two very deserving guys, and two homegrown guys," Yost told the AP. "It's kind of a gauge of where you are in terms of your organization. When you have two, it's not your obligatory one pick anymore, and both of these guys were voted on by their peers, which is special."
Every team in both the American and National Leagues is assured of having at least one representative at the All-Star Game.
Gordon and Perez were selected in voting by league players, coaches and managers that determines eight pitchers and reserves. The starting position players are determined by fan voting. The rest of the 33-player rosters are selected by the All-Star managers, and then one final representative for each league will be determined among five finalists by another fan vote.
"I just think it is cool to be selected by the players," Gordon said to the AP. "That's when you get noticed. You see that other players, your peers, are really respecting how you're playing."
Gordon nearly made it to the All-Star Game in the final fan ballot in 2011, but finished third in that vote. Reliever Aaron Crow was the Royals' lone selection that season.
Last year, Gordon got off to a slow offensive start and Billy Butler got the All-Star nod for Kansas City, when the Royals hosted the game at Kauffman Stadium.
After earning minor-league player of the year honors in 2006, Gordon hit .247 as a rookie in 2007 and .260 in 2008, and then hit just .232 in an injury-plagued 2009. In 2010, a season that he started on the disabled list and also included 2� months in Omaha, Gordon bottomed out at .215 at the big-league level.
But in 2011 he hit .303 with 23 homers and 87 RBIs, then followed that up by hitting .294 with 14 homers, 72 RBIs and a league-high 51 doubles last season.
This year Gordon is hitting .290 with eight homers and 46 RBIs, and he was back in the Royals' lineup Saturday after missing a game after crashing into the outfield wall while chasing a fly ball.
The last time Kansas City sent two players to the All-Star Game was 2003, when reliever Mike MacDougal and first baseman Mike Sweeney were picked.
Perez, one of the best defensive catchers in baseball, is also hitting .302 with four homers and 36 RBIs.
Kansas City is also hopeful that closer Greg Holland could eventually make his way onto the roster for the July 16 game at New York's Citi Field if there is an opening because of injuries or if one of the selected pitchers is unable to play.
Holland, who pitched for Omaha for parts of the 2009 through 2011 seasons, is 2-1 with 20 saves, a 1.91 ERA and 56 strikeouts in 33 innings.
Gordon said Holland is also deserving.
"I think he knows it, and I think everyone in the clubhouse knows it," Gordon told AP. "His numbers right now, it's pretty amazing. I told him, 'You're well-deserving as well.' Hopefully he keeps it up and people take notice, because he's one of those players who's pretty amazing."
This report includes material from the Associated Press.


text:
Name | 2010 Americans with Disabilities Act Standards |
Start Date/Time | 7/17/2012 01:00 PM |
Place | Laredo Civic Center Meeting Room #1 |
Street Address | 2400 San Bernardo Avenue |
City, State | Laredo, TX |
Related Information | 2010 American Disability Act Standards |
Comments | The Texas Department of Housing and Community Affairs (TDHCA) is holding a roundtable in Austin to gather input from architects, builders, affordable housing owners, consumers, and advocates on the 2010 Americans with Disabilities Act Standards. TDHCA will gather input at this roundtable on how the new standards may impact construction and program activities. TDHCA would also like input on the pros and cons of having one accessibility rule for all its programs and construction activities versus multiple rules. Written comments may be submitted to Patricia Murphy, Texas Department of Housing and Community Affairs, P.O. Box 13941, Austin, TX 78711-3941, or via email to firstname.lastname@example.com, or via fax to 512-475-3539. For more information, contact Patricia Murphy, TDHCA Chief of Compliance and , at email@example.com or 512-475-3140. |
Type | Roundtable |


text:
Halo Headlines: Angels pursuing David Freese and Joe Smith, Vargas signs with Royals
The November 22nd, 2013 edition of daily news for the Los Angeles Angels including Angels pursuing David Freese and Joe Smith, Vargas signs with Royals and much more...
The Story: The Angels and Cardinals are discussing a David Freese trade.
The Monkey Says: This broke yesterday morning but not much has come of it sense. The fact that we are already 24 hours past the rumor strongly suggests it isn't going to happen. A lot of teams are going to call on Freese since third base is a need for so many teams, but the Angels do match up well with the Cardinals who appear to be targeting outfield help in the swap. The most likely name to be moved for the Halos is Peter Bourjos as he would give St. Louis a legit defensive center fielder to displace Jon Jay. However, Kole Calhoun is just such a prototypical Cardinal player that it wouldn't be a shock if they tried to get him instead. The important takeaways here are that Aybar is not on the table and it doesn't sound like any Cardinal starting pitchers are either.
The Story: Jason Vargas signed a four-year, $32 million contract with the Royals.
The Monkey Says: The Angels apparently were still in on him, but didn't want to budge from their three-year, $24 million offer. It is hard to blame Vargas for taking the extra year and it is hard to blame the Angels for not wanting to offer the soon-to-be 31-year old a fourth year, especially after shoulder surgery in 2013. This loss has some Angel fans upset, but I wouldn't worry too much about it. Vargas was league average and fully replaceable with similar pitchers for less total money. Besides, the Angels need to be upgrading over Vargas if they really want to contend in 2014. As for losing out by not giving him a qualifying offer, look at the $8 million average annual value on the deal and realize how attractive it would have been for Vargas to take the one-year, $14 million qualifying offer and then hitting the open market the next year to get a similar offer that KC gave him. Even if he had rejected it, the Kyle Lohse experience last year showed that teams aren't falling over themselves to forfeit a top draft pick to get their hands on mid-rotation starter.
no comments


text:
An adult 21 years or over must be present to sign for delivery of alcoholic beverages. Order tracking numbers will be emailed to you upon shipment, so you'll know when to expect delivery. We offer the following options for your convenience:
Ground: Delivery generally between 1 and 7 business days once the package leaves our warehouse.
3 Day: Delivery to businesses by 4:30 pm and to residences by 7:00 pm in 3 business days once the package leaves our warehouse.
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Overnight p.m.: Next business day delivery by 3:00 pm to most U.S. addresses ( by 4:30 p.m. to rural areas) once the package leaves our warehouse.
Overnight a.m.: Next business day delivery by 10:30 am to most U.S. addresses once the package leaves our warehouse; Remote areas by noon, 4:30 pm or 5:00 pm; Saturdays by noon, 1:30 pm or 4:30 pm. In extreme heat, ice-packs will be added.
Note: Saturday delivery available to most locations. Please click to change "delivery method" and check the adjacent calendar to see if Saturday shipping is available.
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Colour: Pale straw with brilliant green hues. Nose: Plenty of melon and nectarine fruit characters with some tropical overtones. A pleasant creamy and butterscotch character and sweet nut influence adds complexity. Palate: Full flavoured and rich with excellent varietal fruit and perfectly balanced oak integration. Fruit flavours have been complexed by yeast contact and creamy malolactic fermentation has given the wine a pleasant softness and low acid finish. Serving and cellaring suggestions: A white for everyday drinking and casual entertaining, Koonunga Hill Chardonnay is made to be enjoyed now or cellared for up to two years. It is ideal with most entrees and white meat dishes, especially chicken.
Founded by a young, English doctor in 1844, Penfolds has been producing remarkable wines that have changed the landscape of Australian winemaking. Over the past century, Penfolds has indisputably led the development of Australian fine wine in the modern era. The introduction of Penfolds Grange in 1951 forever changed the landscape of Australian fine wine. Since then, a series of...Read More About Penfolds
The Barossa zone consists of two sections - the Barossa Valley and the Eden Valley. Wines from the Eden Valley can be labelled Barossa or Barossa Valley. Situated just a bit east of the large city of Adelaide, Barossa is Australia's wine headquarters. Mega producers are based here, boutique wineries call it home and a majority of the habitants claim their income on the wine...Read More About Barossa Valley
Other White Wine While there are a slew of other white varietals out there in the world, a few more worth knowing about... Albarino Mostly grown and drunk in the northwest part of Spain, Rias Baixas (in Galacia), this grape is loved by almost all who try it. A great alternative to Sauvignon Blanc, Chardonnay and every other white grape, Albarino is aromatically intense...Read More About Other White Blends
Ship on us for a month!
After your free trial, Steward-Ship is just $49/year.
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text:
Results 1 to 3 of 3
- 01-08-2013, 07:54 AM Thread Author #1
Can't sync Google Calendar (security activation problem - I think!)
I've searched for this on the forum but couldn't find a match for my particular problem.
I've been using Google Sync for months to sync my Google Calender with my Blackberry. This is hugely important to me as I only use my BB for work and I really need to have all my appointments on my Android phone. As you'll know Google stopped supporting the app. I looked around to see what I could do about it and found that if you add your gmail account through BIS you could sync your calender. So, I set up a BIS account with my carrier (BT in the UK). The website tells me:-
If you have not already done so, to start calendar synchronization, complete the security activation on your BlackBerry® device:
1. On the Home screen, click the Setup icon and click Email Accounts or Email Settings.
2. After you open the application, the security activation starts. When security activation is complete, calendar synchronization automatically begins.
However, when I select the "Email Accounts" icon in setup the security activation doesn't seem to start at all. I have two boxes. One headed "Activated Accounts", which says "Desktop" and the date this was activated. The second is headed "Account Activation" and says "To activate your enterprise account, enter details provided by your system administrator below." I presume the second box isn't the security activation as I don't think the Gmail account is an Enterprise Account.
I have the most up to date firmware. This is a work issued phone which is already set up with my MS Outlook email and calendar.
Help would be greatly appreciated. If there's no solution, is there any other way of syncing my google calendar? - 01-08-2013, 11:57 AM Thread Author #2
And I've tried re-sending the service books (although I didn't delete any first - wasn't sure which ones to delete).
i am experiencing the same problem. Unable to sync my contacts too.
Blackberry bold 3
Mypin: 236FB59A
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Party Goods
Boy Scout™ Gift Bag
Starting at:
For Scouts of every rank, glossy black and gold gift bags embossed with the BSA logo and "Honor" on one side, "Duty" on the other from the Scout Oath. With cord handles and matching gift cards. Available in two sizes. Learn More -
Blue & Gold Centerpiece
$2.99This fun, Cub Scout™-themed centerpiece is ideal for a Blue & Gold banquet or any Cub Scout celebration. Great-value price allows you to add extras for a more festive table presentation! Learn More