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thought i'd say hi
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|Fri, 10-17-2008 - 12:45pm
i've been lurking for a while here, LOL. i have a c-section scheduled for next wednesday, the 22nd. at 39 weeks. i had a previous scheduled c-section in jan. 2005, due to a big baby (they estimated DS to be close to 12lbs, but he was 10lb 13oz) and polyhydramnios. so i've been through this before.
i was kind of hoping for a VBAC, but my doctor (very good i trust her) said she's not comfortable with doing a vbac if i have a big baby like DS, otherwise she would totally be for it. we'd make the final decision with an ultrasound at 37 weeks to see if he's head down, and how big he is. well that was oct. 7th, and his estimated weight was 10lb 4oz. i'm sure she knew that from fundal measurements anyways. i know they can be off by 10-15%, but he still had 2 weeks left to go! so he'll probably be about the same size as DS was.
i'm kind of nervous, i have panic attacks sometimes. i haven't had any this whole pregnancy, so that's good. i know they won't kill me or anything, but it sucks having them. anyway, i'm kind of worried that when they take me back without my DH, to give me my spinal and insert the catheter and lay me down, i'll have one. he calms me down so much, i know that's cheesy, but he's my rock. and then i might panic again after he leaves with the baby to the nursery, and they finish up and i'm in recovery for an hour. (talk about co-dependence huh?) i would much rather have him go with baby though. but still, i remember last time i was very uncomfortable in recovery, doped up, but when i tried to say something the nurse told me i needed to be quiet and get some rest. i'm sure i did, but i hated laying there by myself with that lady. DH promised to come check on me after he goes with the baby and they get him settled, i told him he didn't have to, but he says he will anyways. (kind of glad though i know just seeing him and hearing about baby will calm me down)
anyway, i'm not scared of the c-section itself. i'm confident this is the safest easiest way to get baby out, and my doctor is great, she's my sister's doctor too. i love her. everything went smooth with my last c-section, and at least this time i know what to expect. i'm so excited to see our baby boy, when DS was born he came out with a full head of red hair (total shock, i'm native american), we're anxious to see what little brother is going to look like! i guess i'm just scared about getting scared, does that make sense? haha. and everyone reassures me that they'll give me something after they pull the baby out if i'm feeling anxious, but i've heard that really makes you loopy and often you don't remember much. i don't want that to happen. but my doc says we'll play it by ear, if i think i need it, the anesthesiologist will have it ready. and if not, no big deal.
i'll make sure to post my c-section story when i get home, i know how much its helped me to read birth stories! if only i wrote down my experience from the first time.

subset: commoncrawl


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Study Day: European Paintings Before 1900
Francisco de Zurbarán, 'Saint Francis in Meditation'
At the end of the morning and afternoon sessions, there were opportunities to ask questions and engage in debate.
- 'The Sacred Made Real' exhibition at the National Gallery: did it draw on the huge audience who attended the 'Seeing Salvation' exhibition at the National Gallery in 2000?
- How important was the local link for the 'John Martin: Heaven & Hell' exhibition at the Laing Gallery?
- Discussion about the importance of design and lighting for both the 'Sacred Made Real' and 'John Martin: Heaven & Hell' exhibitions
- Discussion about the extraordinary costumes worn by the figures in the Zurbáran series
- There was some discussion about returning picture galleries to their original designs and the complications involved, particularly with the need to introduce modern technology
- Some questions were asked about the National Gallery's post-1800 collection. Why was the date 1900 chosen as a cut-off? What is the relationship of British painting to the National Gallery Collection? And have the new acquisitions in this area affected public taste?
The National Gallery, Trafalgar Square, London WC2N 5DN


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Airline Schedule Recovery after Airport Closures: Empirical Evidence since September 11th
AbstractSince the September 11, 2001, terrorist attacks, repeated airport closures due to security breaches have imposed substantial costs on travelers, airlines, and government agencies in terms of flight delays and cancellations. Using data from the year following September 11, this study examines how airlines recover flight schedules upon reopening of airports that have been closed for security reasons. As such, this is the first study to empirically examine service quality during irregular airport operations. Our results indicate that economic considerations, particularly the potential revenue per flight, have predictable effects on service quality following airport closures. Airport concentration, hub destination, and various logistical factors also significantly influence flight outcomes.
(This abstract was borrowed from another version of this item.)
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Bibliographic InfoPaper provided by East Carolina University, Department of Economics in its series Working Papers with number 0207.
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Handle: RePEc:wop:eacaec:0207
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Other versions of this item:
- Nicholas G. Rupp & George M. Holmes & Jeff DeSimone, 2005. "Airline Schedule Recovery after Airport Closures: Empirical Evidence since September 11," Southern Economic Journal, Southern Economic Association, vol. 71(4), pages 800-820, April.
- Nicholas G. Rupp & George M. Holmes & Jeff DeSimone, 2003. "Airline Schedule Recovery after Airport Closures: Empirical Evidence Since September 11th," NBER Working Papers 9744, National Bureau of Economic Research, Inc.
- L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
- L93 - Industrial Organization - - Industry Studies: Transportation and Utilities - - - Air Transportation
ReferencesReferences listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Nicholas G. Rupp & Douglas H. Owens & L. Wayne Plumly, .
"Does Competition Influence Airline On-Time Performance?,"
Working Papers
0301, East Carolina University, Department of Economics.
- Nicholas G. Rupp & D. Owens & L. W. Plumly, . "Does Competition Influence Airline On Time Performance?," Working Papers 0115, East Carolina University, Department of Economics.
- Stephen Foreman, 1999. "Publication of Information and Market Response: The Case of Airline on Time Performance Reports," Review of Industrial Organization, Springer, vol. 14(2), pages 147-162, March.
- Thengvall, Benjamin G. & Yu, Gang & Bard, Jonathan F., 2001. "Multiple fleet aircraft schedule recovery following hub closures," Transportation Research Part A: Policy and Practice, Elsevier, vol. 35(4), pages 289-308, May.
- Nick Rupp & Mark Holmes, . "Why Are So Many Flights Canceled?," Working Papers 0204, East Carolina University, Department of Economics.
- Jan K. Brueckner, 2002. "Airport Congestion When Carriers Have Market Power," American Economic Review, American Economic Association, vol. 92(5), pages 1357-1375, December.
- Borenstein, Severin & Netz, Janet, 1999. "Why do all the flights leave at 8 am?: Competition and departure-time differentiation in airline markets," International Journal of Industrial Organization, Elsevier, vol. 17(5), pages 611-640, July.
- Kim, E Han & Singal, Vijay, 1993. "Mergers and Market Power: Evidence from the Airline Industry," American Economic Review, American Economic Association, vol. 83(3), pages 549-69, June.
- Christopher Mayer & Todd Sinai, 2002.
"Network Effects, Congestion Externalities, and Air Traffic Delays: Or Why All Delays Are Not Evil,"
NBER Working Papers
8701, National Bureau of Economic Research, Inc.
- Christopher Mayer & Todd Sinai, . "Network Effects, Congestion Externalities, and Air Traffic Delays: Or Why All Delays Are Not Evil," Zell/Lurie Center Working Papers 393, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
CitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Carl Bonham & Christopher Edmonds & James Mak, 2006.
"The Impact of 9/11 and Other Terrible Global Events on Tourism in the U.S. and Hawaii,"
Working Papers
200602, University of Hawaii at Manoa, Department of Economics.
- Carl Bonham & Christopher Edmonds & James Mak, 2006. "The Impact of 9/11 and Other Terrible Global Events on Tourism in the U.S. and Hawaii," Economics Study Area Working Papers 87, East-West Center, Economics Study Area.
- Harumi Ito & Darin Lee, 2003.
"Assessing the Impact of the September 11 Terrorist Attacks on U.S. Airline Demand,"
Working Papers
2003-16, Brown University, Department of Economics.
- Ito, Harumi & Lee, Darin, 2005. "Assessing the impact of the September 11 terrorist attacks on U.S. airline demand," Journal of Economics and Business, Elsevier, vol. 57(1), pages 75-95.
- Claudio Agostini, 2005. "El Mercado de Transporte Aéreo: Lecciones para Chile de una Revisión de la Literatura," ILADES-Georgetown University Working Papers inv163, Ilades-Georgetown University, Universidad Alberto Hurtado/School of Economics and Bussines.
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"Stalactite" Tiffany Chandelier
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Macklowe Gallery Holiday Catalog Macklowe Gallery rolls out it's first "Holiday Catalog 2013". Click on the image below to view the online version.
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Route Guide - iPhone / Android - Partners - Forum - Photos - Deals - What's New - School of Rock
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This is a 13 foot block recently discovered.
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Will Book D, 1801-1802, p. 89. Sales of estate of William McAden, decd, by Jennett McAden, adm. lists sales to various neighbors and family, including Jenett McAden, James McAden, John McAden, Hugh McAden, Catherine McAden.
Book F, 1810; p. 130, Jennet McCaden, adm of estate of William McCaden, accts filed for 1801-3.
Book F, July court 1810; p. sales estate of Catherine McAden to John and James McAden, Adam and Henry Stafford, George M. Willson, Jane McAden, William Jones, Daniel S Farley, John Hall, William Climpson, Newman Durham et al.
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iRiff Commentaries created by our fans!
Uploaded:Nov 20 08
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What makes a good party? Is the awkward guests? The hat-making contests? The spontaneous sing-a-longs of "Jimmy Crack Corn"? In this short, we find out just what you need to do to be the hit of your social circle every time you throw a party - by examining what you shouldn't do first! SPOILER: Alcohol really helps! Gill and Robin provide their scathing commentary on this public domain short, presented in Riff-O-Rama!
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Mutant ($9.99)


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A collection of news and information related to South Korea published by this site and its partners.
Top South Korea Articles
Displaying items 23-33
Pope Francis chauffeured around Korea in a Kia SoulBlog | Aug 15, 2014 | 9:30 AMFiled under: Budget, Government/Legal, Hatchback, Kia, Celebrities, South Korea Korea is not without its domestic automobiles that would be suitable for transporting a visiting head of state: the Hyundai Equus comes to mind. Failing that, a Genesis...
Pope's South Korea visit highlights Vatican's growing focus on Asia
Brittany Lincicome surges into LPGA Championship lead
As Japan marks WWII surrender, Abe avoids controversial shrine
Pope, in improvised remarks, urges Koreans to pray for unityStory | Aug 15, 2014 | 3:48 AMSOLMOE South Korea (Reuters) - Pope Francis on Friday urged Koreans to pray and work for the re-unification of their divided peninsula, saying they should aim to reunite as one family "with no victors or vanquished". The pope, in his most specific...
North Korea: rocket firing not timed to coincide with papal visit to SouthStory | Aug 14, 2014 | 10:58 PMSEOUL (Reuters) - North Korea said on Friday its firing of three short-range rockets shortly before Pope Francis arrived in the South Korean capital the previous day had nothing to do with the papal visit. The rockets were fired from multiple launchers...
Japan PM sends offering to war dead shrine, angers China and South KoreaStory | Aug 15, 2014 | 12:20 AMTOKYO (Reuters) - Japanese Prime Minister Shinzo Abe on Friday sent a ritual offering to a Tokyo shrine to war dead, triggering angry criticism from China and South Korea despite his decision not to visit the shrine in person as he seeks a Sino-Japanese...
South Korea suggests Northeast Asia nuclear safety groupStory | Aug 14, 2014 | 9:28 PMSEOUL (Reuters) - South Korean President Park Geun-hye on Friday urged the creation of a nuclear safety consultative group in Northeast Asia, given the high number of nuclear power plants in the region and public concerns over safety. South Korea...
Japan PM sends offering to war dead shrine, cabinet ministers visitStory | Aug 14, 2014 | 9:30 PMTOKYO (Reuters) - Japanese Prime Minister Shinzo Abe on Friday sent a ritual offering to a Tokyo shrine to war dead but did not join cabinet ministers in a visit, seen as an effort to avoid further inflaming ties with China as he seeks a summit with...
Thompson, Lee share LPGA Championship leadStory | Aug 14, 2014 | 6:48 PMThe Sports Xchange EditorsNote: Updates with quotes Thompson, Lee share LPGA Championship lead American Lexi Thompson shot a 6-under-par 66 on Thursday to grab a share of the lead with South Korea's Meena Lee after the first round of the Wegmans LPGA...
Pope Francis travels to South Korea; first papal trip to Asia in 15 years


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User Reviews & Ratings - implanon sdrm
Read user comments about the side effects, benefits, and effectiveness of implanon sdrm.
Overall User Ratings436 Total User Reviews
User Reviews
Learn about
User Reviews
Reviewer: 25-34 Female
Ease of Use
The drug is very effective, BUT you will have very long periods. One to two weeks with no break. I may change to a different medication after my 3 years ends.
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Was this review helpful? Yes | No
Reviewer: 25-34 Female on Treatment for 1 to less than 2 years (Patient)
Ease of Use
I have this in since July of 2007 and I thought I found the perfect birth control, until about 6 months ago. The only person I seem to like is my son, I don't want anything to with sex, and my face breaks out more. My husband says I have changed since I've been on this. Other than those things, I would have found this to be VERY satisfying.
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Reviewer: Denise, 25-34 Male on Treatment for 1 to less than 2 years (Patient)
Ease of Use
I have had the implanon for one year on the 3rd of august. For the most part I am very satified with the product. The first months were the best! No bleeding, cramping or any kind of negative side effects and best of all no worry of pregnancy. Recently, the last couple of months I have had brown spotting almost everyday which is very annoying. The my hair started to fall out! I mean my hair is all ... Show Full Comment
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Reviewer: 13-18 Female on Treatment for 1 to 6 months (Patient)
Ease of Use
I Was on the pill then the patch before this. i am only 18 so i do not want any children in the next 3 years, it seamed like a Perfect solution... SOOOOO WRONG!! after four months of straight spotting, HUGE hormonal headaches, SEVERE acne, and almost breaking up with me boyfriend of 2 years due to the mood swings. i would make sure you are willing to either pay to have it incerted and removed if y ... Show Full Comment
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Reviewer: Momma Jen, 35-44 Female on Treatment for 1 to less than 2 years (Caregiver)
Ease of Use
I have put my 18 and 16 yr old daughters on this. No problems. Have been on for over a year. They love it. Almost no periods. No weight gain, but they exercise and swim alot and watch what they eat. I would recommend this to any mother!
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January 2, 2014
Access hours of training videos and session handouts for free, particularly if you're a Max or Maya user. Read More »
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Watch 45 minutes of free video training on creating custom pipeline tools for 3ds Max and FumeFX. Read More »
December 23, 2013 | 2 comments
Updated: Development partner Otoy makes streaming and OctaneCloud technology available free forever. Read More »
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Maya particle renderer adds Magma toolkit from 3ds Max edition, better surfacing and shadowing options. Read More »
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Relight and retexture animations in post without rerendering with this nifty set of mental ray render elements. Read More »
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Update to the GPU-based renderer adds progressive rendering. Modo and Softimage editions mooted. Read More »
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Unbiased renderer gets shadow catcher material, spherical camera, better integration with 3ds Max. Read More »
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Free cloud-based system based on Donya Labs' Simplygon technology automates creation of LOD assets for games. Read More »
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Updated: Max, Maya and Mudbox extensions now available: nothing for Softimage or MotionBuilder this time. Read More »
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3ds Max destruction plugin adds support for proxies, Bullet physics. The demo video is a lot of fun, too. Read More »
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Cost of rental may appeal more to studios than freelancers, but user feedback has been broadly positive. Read More »
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Fucus Complex is a low-dilution homeopathic preparation of Fucus vesiculosus' Badiaga and Spongia tosta synergistically formulated to assist with thyroid insufficiency. Research indicates that following illness' glandular function is disturbed' in particular the thyroid gland' which regulates metabolism. Clinical manifestations of thyroid insufficiency include low metabolic rate' poor resistance to cold' fatigue' impaired cognition' depression and tendency to gain weight. Thyroid dysfunction causes damage to the immune system' leading to increased susceptibility to illnesses. Fucus Complex is indicated for all symptoms related to thyroid insufficiency or following a thyroidectomy' and for restoring health to the immune and glandular systems' specifically the thyroid and adrenal glands.
These statements have not been evaluated by the Food and Drug Administration (FDA). These products are not meant to diagnose' treat or cure any disease or medical condition. Please consult your doctor before starting any exercise or nutritional supplement program or before using these or any product during pregnancy or if you have a serious medical condition.
Each drop contains equal parts of:
Fucus vesiculosus (Bladder-wrack) 1 X
Spongia tosta (Roasted Sponge) 2 X
Badiaga (Freshwater Sponge) 3 X
Adults: Take ten drops two to three times daily or as recommended by your health care practitioner. To be taken 20 minutes away from food. Place drops directly under the tongue or into 1/4 oz of water.
Children: Divide dosage by half and follow adult directions.
Hyperthyroidism Thyroid cancer
Allergy / Dietary Needs
- GMP Certification
Ratings & ReviewsReview This Item
Overall Rating for Fucus Complex 1.7 oz (50 ml)
Displaying reviews 1-1 of 1
By suzie Q
from Ohio
thyroid complex
Fucus Complex by Seroyal is for regulating my thyroid and so far things are positive and my thyroid is beginning to do its thing!!!
√ I would recommend this item to a friend.
Displaying reviews 1-1 of 1


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Latest News
Aug 26, 14Vettel showcases first lap of controversial Sochi Grand Prix circuit [video]
The inaugural Russian Grand Prix arrives in October, so here is your first chance to see what we have to look forward to.
Aug 26, 14China-bound Infiniti ESQ first official images released
Infiniti has released several images with the ESQ set to debut on August 29 at the Chengdu Auto Show.
Aug 20, 14Infiniti Q50 Eau Rouge prototype tackles Spa-Francorchamps [video]
Infiniti has released a new promotional video of the Q50 Eau Rouge prototype at the Spa-Francorchamps circuit. See the clip inside
Aug 20, 14Infiniti to expand lineup by 60% over next five years - report
According to a recent report, over next five years Infiniti's portfolio will be expanded by five new models
Aug 20, 14Infiniti Q50L world debut announced with first official image
Infiniti will unveil the long wheel base version of the Q50 at the Chengdu Motor Show which begins at the end of the month.
Aug 19, 14Infiniti teases a mysterious new model for Paris
Infiniti has announced plans to introduce a mysterious model at the Paris Motor Show.
Aug 12, 14Rolls-Royce makes video game debut in Forza Motorsport 5 [video]
Rolls-Royce has announced plans to make their video game debut in Forza Motorsport 5.
Aug 11, 14Infiniti Q50 morphs into Eau Rouge prototype in new promo video
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Aug 05, 14Driverless Infiniti Q50 hits 100 km/h on the highway [video]
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Infiniti has big plans for the future and new details are starting to emerge about their upcoming product lineup.
Jul 25, 14Infiniti G37 renamed Q40, to stay on sale until mid-2015
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Jul 11, 14Infiniti President Johan de Nysschen jumps ship for Cadillac
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Jul 09, 14Infiniti QX30 to be sold globally, launch shortly after the Q30 - report
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Jul 09, 14Infiniti presentation in China leaks, confirms ESQ launch later this year
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Jul 01, 14Infintiti still considering an Emerg-E like sports car - report
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The Infiniti ESQ has been caught on camera without any sort of camouflage, prior to a launch scheduled to later this year in China.
Jun 10, 14Infiniti ESQ looks like a joke, err Juke
The first purported pictures of the Infiniti ESQ have surfaced online. See them inside
Jun 05, 14Infiniti Q50 Eau Rouge could cost $100,000 - report
Infiniti President Johan de Nysschen has revealed the Q50 Eau Rouge could cost $100,000 if it is built.
May 05, 14Infiniti considering an entry-level crossover - report
Nissan Executive Vice President Andy Palmer has revealed Infiniti is considering an entry-level crossover to slot below the QX50.
Apr 22, 14Infiniti Q50 Eau Rouge nearing production
A source within Infiniti has told British media the Q50 Eau Rogue will see the light of production day.
Apr 16, 14Infiniti announces 2015 QX80, adds high-end Limited trim
Infiniti has introduced this week at New York Auto Show the facelifted 2015 QX80 together with a new range-topping Limited trim level.
Apr 16, 142015 Infiniti Q70 facelift revealed with long-wheelbase version
Infiniti has introduced the 2015 Q70 facelift which will be offered in a long-wheelbase variant.
Apr 14, 14Infiniti Q70 & QX80 facelifts to debut in New York
The New York Auto Show has revealed Infiniti will showcase the facelifted Q70 and QX80 on April 17th.
Apr 09, 14Infiniti bringing Nissan Juke-based crossover, facelifted QX80 to Beijing
Infiniti announced during a press conference plans to introduce a Nissan Juke-based crossover and the facelifted QX80 at the 2014 Beijing Motor Show.
Apr 08, 14Infiniti and Poltrona Frau tease "good and evil" Q50 and QX70 duo [videos]
Infiniti has joined forces with Italian furniture and leather specialist Poltrona Frau to customize the Q50 and QX70.
Apr 04, 14Infiniti Q50 Eau Rouge prototype begins testing [video]
Infiniti has released a new video that shows the Q50 Eau Rouge prototype being driven by Sebastian Vettel at the Millbrook Proving Ground.
Mar 17, 14Infiniti working on 700 bhp flagship hybrid sedan based on Essence concept - report
Infiniti is allegedly working on a powerful hybrid sedan based on the Essence concept which will serve as the company's flagship model.
Mar 11, 14Infiniti Q50 Eau Rouge concept could go into production - report
The Infiniti Q50 Eau Rouge concept could be headed for production as the company has reportedly begun a feasibility study to determine whether or not the car can be made.


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Freedom Freaks
June 25, 2008
Idov: Scenes from the Libertarian Party's tragicomic demise.
Stage Manager
June 07, 2005
"Am I on?" asks the figure on camera, who identifies herself as "Laura Lou." "This is like a testimony, isn't it?" She wipes her face nervously, explaining, "Jimmy says when I wear too much makeup it makes me look like a whore." Her story is about the beatings she used to take from her drunken husband; she tells it between sobs, tugging at her bangs as if to hide behind them. At one point she breaks down altogether. "I can't talk," she weeps. "This is really hard for me." But she assembles herself again and goes back to her sad tale. "One night," she says, "he got out the gun.


text:
Cat and Tortoise backyard brawl - Today's Christian Videos
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text: RESUME Brad Fernbaugh | 4662 Maryland St. | San Diego, CA 92116 | 619-688-1275 | firstname.lastname@example.com OBJECTIVE Freelance Graphic Designer (web & print) Position ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: SUMMARY OF QUALIFICATIONS Sixteen years experience in advertising design Sixteen years Macintosh and PC experience Extensive experience as Designer and Art Director for small and large businesses Web design, Flash design, print design, advertising design (and production for all of them) Effective working alone or as a cooperative team member ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: EMPLOYMENT HISTORY (2000-Present) Freelance: Providing Design and Production Services to the following clients Clients include: Inter@ctivate, Roni Hicks, Promar, R2C Group, The Ardel Group, Systech, Brookfield Homes, Bailey Gardner, Hersh Online, Market Garden, Etainia, MET Team, and the list goes on. (2000-2005) Creative Web Director: Brookfield Homes, Del Mar, CA Duties include: Maintaining and managing content on brookfieldhomes.com, develop strategies to implement new web based technologies to enhance Brookfield Homes internet presence, design UI for web enabling operations software, redesign the Brookfield Homes marketing website. (1999-2000) Digital Services Manager: Kenneth C. Smith Advertising, La Jolla, CA Duties included: graphic design, art direction, web design, IS maintenance and support. Clients included: Sharp Healthcare, BoxLot.com, Daewoo Motor America. (1997-1999) Art Director: Auto Parts Club, San Diego, CA Duties included: managing the art department, concepting and designing 4c & 2c direct mailers, APC News, newspaper advertising, newsletters, managing the Macintosh computer network and work stations. (1996-1997) Graphic Designer: McNulty Design, San Diego, CA (1995-1996) Graphic Designer: TMP Worldwide, San Diego, CA (1992-1995) Graphic Designer: DDB Needham, Greece EDUCATION School of Hard Knocks, Still Attending Graduated The Advertising Arts College, San Diego 1992 Studied marketing and advertising at Santa Barbara Community College, Santa Barbara 1986-1990 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: SKILL SET } Adobe Photoshop Adobe Illustrator Adobe Flash Adobe Dreamweaver CS3 Adobe Fireworks Adobe InDesign Adobe Premier Equally versed on Mac and PC Web Design (concept to deployment) Eblast Design (concept to deployment) Banner Ad Design (Flash, Animated gif, concept to deployment) Identity Design and Production Brochure Design and Production Advertising Design and Production Direct Mail Design and Production See my online portfolio at: www.bferny.com ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: REFERENCES Eric Simon President / CEO Energize The Experience, Inc. 4814 Riding Ridge Road San Diego, CA 92130-2772 Ph: 858.947.5718 Bill Maddox Maddox Advertising Design 4430 Hill Street San Diego, CA 92102 Ph: 619.221.9045 Kerry DeBock Freelance Print Production Manager 12115 Dormouse Road San Diego, CA 92129 858.382.3932 Dena Meeder Owner, MarketGarden 4730 Cobb Drive San Diego, CA 92117 858.427.0809


text:
Born: July 14, 1938
As an award-winning jazz vibraharpist/drummer/film, television and classical concert music composer/jazz arranger/big band leader/percussionist/inventor/author, I have worked with Henry Mancini, Frank Sinatra, Tony Bennett, Quincy Jones, Rod Stewart, John Williams, Diana Ross, Woody Allen, Mel Brooks, Dean Martin, Stan Kenton, Michel Legrand, Mickey Rooney, Milton Berle, Judy Garland, Lalo Schifrin, Jerry Goldsmith, Sammy Davis Jr., Don Ellis, Joe Pass, Alan Silvestri, Burt Bacharach, Gil Evans/Miles Davis big band, Johnny Mathis, Jimmy Webb, Jack Benny, Freddy Hubbard, Manhattan Transfer, Robben Ford, Art Pepper, Benny Golson, Ralph Martieri, Billy May, Bruce Broughton, Cat Anderson, Chappy, Natalie Cole, Nelson Riddle, Don Costa, Jimmy Durante, Earle Hagen, Buddy Hackett, Juan Garcia Esquivel, Florence Henderson, Fred Karlin, Ben Lanzarone, Bob Rozario, John Elizalde, Anthony Marinelli, Charles Fox, George Romanes, Gil Melle, Jack Hayes, John Addison, John Barry, John Collins, Jesse Barish, Jim Cregan, Bob Hughes, Bruce Roberts, Johnny Mann, Lajos Dudas, Lawrence Rosenthal, Lennie Niehaus, Lionel Newman, Marlena Shaw, Martin Denny, Maurice Jarre, Johnny Carson, Merv Griffin, Paul Jabara, Pete Rugolo, The Kim Sisters, Randy Edelman, Ray Anthony, Red Rodney, Red Skelton, Shorty Rogers, Steve and Edye Gourmet, Sid Caesar, Terry Gibbs, Tony Curtis, Van Alexander, Milcho Leviev, Aladar Pege, Billy Byers, Danny Thomas, and Vic Damone, just to name a few, and produced, directed and conducted the official Olympic Jazz Festival for the LAOOC in Los Angeles, 1984....
read more
Playboy Magazine
Down Beat Magazine
L A Jazz Society
Hungarian State Radio
President of Hungary
Governor of California
Mayor of Los Angeles
Hungarian Jazz Society
Cohesion, fire, tenderness, fine soloists and excellent charts - The Jazz Record Digest
Intriguing musical statements... of compelling interest - Playboy Magazine
Tommy Vig's talents as a composer, arranger, percussionist and vibe soloist are quite admirable- Jazz And Pop
Big Band with a bite... Brilliant. - Army Times
Superlative playing - Jazz Monthly, England
Swings with a vengeance - Los Angeles Times
Tremendously exciting band - Daily Variety
High standard of performance - Saturday Review of Literature
Excellent - Variety
Milestones along the jazz road - The Las Vegas Sun
The liner notes of Tommy Vig's Welcome to Hungary certainly create an interesting first impression. The booklet is essentially an extended rant by Vig that touches on everything from politics to aesthetics to metaphysics. If nothing else, the reader understands that Vig despises multinational corporations, rock music, fusion, and especially the Beatles.
The music is almost as enigmatic as the liner notes, but thankfully much more focused. Indeed, Tommy Vig has created an original, strangely intuitive, and ultimately satisfying big band. This music is avant garde, and dissonance is integral to their vision. That said, Vig's pieces are about as catchy as avant garde big bands could conceivably be. Fast unison parts are balanced with clear melodies, and rounded out with explorative soloing and inventive charts.
Tommy Vig and saxophonist David Murray work well together, and the sensitive interaction between the two players lends a sense of direction to the proceedings. Many songs feature extensive parts in which these two artists are featured without the rest of the band. Murray's solos retain their challenging nature but never sound grating in the context of Vig's more atmospheric vibraphone playing.
Given how adventurous this music is, the horn charts sometimes sound surprisingly old-fashioned. Many of the tunes are based off of a swinging riff, recalling the classic swing bands of Benny Goodman and Count Basie. But this is just a starting point, as Vig and Murray explore each song with thoroughly modern harmony. And this is not just limited to the solos the developmental sections of each song are as difficult and demanding as 20th century classical music, while remaining firmly in a jazz aesthetic.
Highlights of the set include the lengthy and cerebral Sahara and the Thelonious Monk tribute In Memory of Monk. The latter song seems particularly suited to this record, as Vig and Thelonious Monk each share an idiosyncratic, dissonant, and yet curiously catchy musical vision. Every song on this recording has something to offer, and there is not a single weak track.
. . .
Despite its cranky eccentricities, this is worth seeking out. It is an original, swinging and well conceived and well executed effort. - Eric Prinzing, JAZZREVIEW.COM
Tommy Vig and David Murray are the real deal! Welcome to Hungary ! is a Bags and Trane collaboration configured for the 21st century. Tommy Vig's Orchestra is truly outstanding on all fronts, and his arrangements are, of course, nothing less than top-notch. The highlight of the album is the constant interaction and interplay of Tommy Vig's vibes and David Murray's halting tenor saxophone. David Murray is the true heir to the late John Coltrane's avant-garde tenor saxophone technique and concept, and Tommy Vig is mindful of his playing up and down the horn throughout the entire album. He has composed and arranged precisely to suite his guest soloist's ecstatic tenor saxophone playing. David Murray's non-stop stretches up-and-down the tenor saxophone are completely synchronized with Tommy Vig's Orchestra. Tommy Vig's arrangements are incredibly tight; you can feel the band's pulse throughout each track of the album, with each instrumentalists being completely in-line with the other. David Murray's extended technique provides a harmony-in- itself, and Tommy Vig realizes the full effects of this, hence the need for his Orchestra to provide a more focused energy that would give Murray the space to stretch out. Murray plays the tenor saxophone with Tommy Vig's Orchestra in the same spirit as tenor-man John Gilmore did with the Sun Ra Arkestra during the golden age of jazz. - Dustin Garlitz, JazzTalent.com (Oct 2011)
TOMMY VIG'S ARRANGEMENTS, VIBES WORK AND THE USE OF DAVID MURRAY ON WELCOME TO HUNGARY!" ARE EXCELLENT ! - ROBERT RUSCH of CADENCE MAGAZINE
HIGH CALIBER BAND ! Excellent arrangements and vibe playing by Vig ! - Jazz Podium Magazine, Germany, Oct 2011
Beautiful ! Enjoyed WELCOME TO HUNGARY ! very much, especially the vibe solos ! - Mate Hollos, President, Hungarian Composers Association
The Tommy Vig arrangements are very powerful - Steve Voce of the Jazz Journal, England
A Gem of Big Band Swing!
Vibraphonist Tommy Vig has had an interesting career. Born in Budapest, he played the drums when he was six and recorded his first album two years later. Music was his passion, but the political landscape in Hungary was to cast a shadow on his days as a jazz musician. Jazz was banned in 1949, and Vig could not play it again until 1956. With the defeat of the Hungarian Revolution, Vig decided that it was time to move on. Move he did, through the minefields of Russia and into Austria. He later went to New York and the Juilliard School of Music, but not before he had played with keyboardist Joe Zawinul. But his moving days were not over; he left New York for Hollywood, and then Las Vegas, and it was in those cities that he found the nail to his career as he established himself playing with Frank Sinatra, Joe Pass and Rod Stewart, among others.
Vig pursues the Big Band American Sound on Welcome to Hungary!, but goes for an interesting trajectory with the inclusion of saxophonist David Murray whose free styles permutations energize the music and two Hungarian instruments, the cimbalom and the tárogató. It all works well with the tasteful arrangements enriched by the musicians.
Murray and Vig state the theme of Sahara with tenor saxophone and vibraphone, respectively; both in melodic consonance. Murray angles out, changing the tempo and intensity of his notes in a virtuoso performance. The advent of the orchestra moves the composition into a swing time that Murray embraces with robust verve. The assimilation is seamless, and the soulful power absorbing.
Vig Corn, based on a Hungarian folk melody, has an incipient beauty framed by Balazs Cserta on tárogató, accompanied by Rózsa Farkas on cimbalom. The mood explodes in a dazzling array of swirling melodic lines that quickly gravitate into swing. The concept makes for a lively outing and, with Cserta and Farkas adding intonations, this turns out to be most delectable of the set.
Another side of Vig's creativity comes through his solo on Rise and Shine, where he probes the dynamics of his instrument with crystalline runs and an artful blend of harmony and melody. The orchestra dwells on the melody, and so does Murray, in what turns out to be another gem of big band swing.
The five bonus tracks feature a slimmer band that is spearheaded by the brass. This is a tight outfit, sure in its focus and approach that sees it melding composition and freedom with finesse. This trait is strong on I Told You, where the melody's arc is pricked by the horns. Two ballads, expressively sung in Hungarian with feeling by Mia Kim, come in quite a different mode.
The accompanying booklet has information on the recording, and Vig's often acerbic views on music and politics make for entertaining reading. - Jerry D'Souza (All About Jazz)
Stan Kenton 2011 ! Intelligent charts, beautiful, futuristic orchestration - Peter Pallai, Director, Hungarian Cultural Center (London)
HOMECOMING, VERY EXCITING MUSIC ! Dr. János Gregorits (JAZZMA.HU Magazine)
Tommy Vig is a vibes player who's Hungarian orchestra is a cross between the Vienna Art Orchestra & Loose Tubes, & very good - Martin Bright (UK Jazz Radio)
Modern ! I liked Welcome to Hungary!" It is ahead of the times! - Robert Maloschik (JazzToday, Budapest)
Music for Free Thinkers ! When you're 73 and you've left Hollywood and capitalism behind, you're pretty much free to do things as you see fit. Free jazz big band that certainly has its roots in church basement jazz, recording from Hungary notwithstanding. The liner book comes with a lengthy hippy diatribe against selling out and this cat can have his opinion since he's been on both sides of the fence. If music from labels with names like BYG, Actual or Celluloid means anything to you, this left leaning big band date will resonate with you in a big way. Certainly music for free thinkers. - Chris Spector (Midwest Record)
Tommy Vig, Welcome to Hungary! 2011. DECEMBER 06., FODOR PÉTER - http://www.jazzma.hu/hirek/2011/12/06/tommy-vig-welcome- to-hungary
This was written by Peter Fodor, a newcomer to the Hungarian jazz scene!
I did not even read the notice of the the Godor Club: http://www.godorklub.hu/program/2011/12/4 - Tommy Vig lemezbemutató • ingyenes.
After being exposed to a concert fit for an audience at Dizzy's Coka Cola at Lincoln Center (http://www.jalc.org/dccc/index09.asp) in New York I started checking out who all were in the stage at Godor Club performing for me and an audience of jazz fanatics.
It turns out that I should not have been surprised a least little bit at the quality of what I heard.
Tommy Vig made it big because he is a master vibraphonist He performed with Frank Sinatra, Sammy Davis, Tony Curtis, Miles Davis-Gil Evans big band, Woody Allen, Diana Ross, and Rod Stewart just to name a few. His wife Mia Kim now I guess Mia Vig was a vocalist who also has similar credentioals!
The amazing part of the night was that the eight locals who were on stage with these two stars were no less impressive Istvan Elek - tenor saxophone, Ferenc Schreck - trombone, Janos Hamori - trumpet, flugelhorn, Balazs Cserta - tarogato, Joe Fritz - clarinet, Istvan Gyarfas - guitar, Sandor Sarkany - double bass, Zoltan Horvath drums.
There is not enough space for me to honor all the musicians but must mention Joe Fritz whose solos were full of cretive sounds and rhythm that added a great deal to the evenings concert.
The music they played and Mia sang were standards that were as fresh and new as if we had not heard them before "Summertime, Sing, Sing, Sing Tommy also put Petofi Sandor on stage by composing music for Füstbe ment terv the vocal was by Mia a Korean lady singing Hungarian poem a unique and wonderful experience (I am sure Petofi was smiling in his grave!), Body and Solita, Caravan; they also played music composed by Peto Zsolt for a series of animated films named Gusztáv!
The music was sweet and jazzy with all the soul that makes humans live for music (sometimes weep but more often laugh and smile).
Thank you Mia, Thank you Tommy who, together with the eight great musicians made the audience swoon with joy and happiness!
By the way the new CD (Welcome to Hungary!) has all the great music covered by a cover that must have been designed to ensure that no one buy this wonderful CD. Sorry Mr Designer.
Tommy and Mia we want to see a lot more of you and I am sure that the eight musicians will also enjoy gigs with you!
Welcome to HungaryKlasszikus Jazz Records
Welcome to Hungary!Klasszikus Jazz Records
Now and Then
1978Spotlite Records
This information is provided by discogs.com or the profile administrator.
Primary Instrument:
Willing to teach:
Advanced students only.
Northridge University, Tatabánya Jazz School, Bartók Conservatory, Juilliard School of Music
Clinic/Workshop Information:
Willing to teach jazz improvisation on any instrument.


text: If you are fortunate to have the space, then using it to create a games room is a great project that will do much to improve your social life, most people find that once they have a games room their friends just can't keep away. If there isn't space inside your house, then you could consider turning your double garage into a games room, or even converting your loft. However the problem with loft conversions is the floor loading if you are intending to include a pool or a snooker table, plus the problem of getting a pool or snooker table into your loft. It can be done, we have a friend who turned his loft into a music room which included a full size grand piano, but a large crane was needed. Continue Reading →


text:
From Halopedia, the Halo wiki
- "He's received the highest commendations for bravery. Countless decorations for honor and selflessness. But Master Chief's greatest achievement reaches far beyond what any medal could ever hope to commemorate. For the men and women of the 26th Century, he is a human embodiment of possibility, the last Spartan standing against an angry tide. This strength of spirit is forged through his legend. Jericho VII. The Battle of Reach. High Charity. Tales rife with sacrifice and courage. Tales that grow, flourish, and inspire. And while he shapes his own history, he in turn shapes the history of all who follow. For no matter what horrors are released upon the day, they cannot match the reply of soldiers emboldened with his spirit, an army of Master Chiefs unto themselves."
- —Magazine Ad
Believe is a Microsoft marketing campaign for Halo 3 produced by New Deal Studios. It features the word "Believe" as a tagline, and appears to be honoring the legacy of SPARTAN-117, citing him as a hero of the United Nations Space Command whose brave actions inspired other servicemen during the Human-Covenant War.
It includes handouts, live-action TV commercials, magazine page advertisements, and XBOX live marketplace ads:
- Believe - A pamphlet distributed at the Project Revolution musical festival, featuring in-universe musical presentation of the UNSC Symphony Orchestra.
- Diorama - An interactive flash movie, a part of the Believe campaign for Halo 3. It is a fly through of the John-117 Monument, and can be viewed at the Halo 3 website.
- Museum - A live-action TV commercial featuring Retired Major Pawel Czernek, a UNSC veteran that fought in the Battle of New Mombasa alongside SPARTAN-117, reminiscing of his memories of the inspiring hero.
- Hunted - A live-action TV commercial.
- Enemy Weapon - A live-action TV commercial.
- Gravesite - A live-action TV commercial that explores the battleground and talks of Spartan 117's "death".
- Believe: The John 117 Monument - A live-action online video, describing the in-universe construction of the memorial diorama.
- The creators of the campaign were not informed of the story of Halo 3, leading to multiple inconsistencies with the story depicted in Believe, and the game's story. Due to this, no aspect of the marketing campaign can be considered canon.
- Because the events that were depicted in the interviews (the Second Battle of Mombasa and the capture and death of the Master Chief) conflict with events as they transpired in Halo 3, the interviews may alternatively be a massive cover-up operation performed by ONI Section Two to cover up the truth about the Forerunners, the Halo Array, and the Flood.
- On Xbox.com, there is a collection of photographs from war photographer Jake Courage titled "Shooting a Hero".
- Stan Winston Studio was responsible for the diorama featured in the Halo 3 Believe ads.[citation needed]
- The melody that was used in the Believe commercials was created by Polish pianist Frédéric Chopin and is called "Preludes #15, Raindrop".
- In the Halo 3: ODST campaign levels Mombasa Streets and Tayari Plaza, there are several graffiti where the player can read BELIEVE, a reference to the marketing campaign for Halo 3 of the same name.
- A new trailer released for the game Serious Sam HD entitled "Seriously Believe" is an obvious tribute or parody to the Believe campaign, utilizing a selection of frozen in-game views in place of the models, a similar track, and a black screen at the end with the words "Seriously Believe" appearing, very similar to the original "Believe" trailer.
- The "Believe" advertisement trailer was named one of the best television advertisements of the decade by AdWeek in 2010.[1][2] The same trailer was named number 59 on Gametrailers list of the 'Top 100 Trailers of All Time' in 2011.[3]
Related links[edit]
- ^ Adweek Media: Best of the 2000s, Commercial of the Decade (Non-Super Bowl): Finalists
- ^ Industry Gamers: Halo 3, PS2 Online Ads Named Among Best of Decade by AdWeek
- ^ Gametrailers: Top 100 Trailers of All Time: 60-41


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Main Wall
Upper Wall
Prominent slab overlooking the eastern side of Kowloon. Routes range from 5.7 to 5.11, with most climbs 5.9 or 5.10. Excellent granite face and friction climbing in a scenic setting. Devil's Peak is a rap-in-climb out venue, with two separate walls. The upper headwall -- presently covered in red and pink paint -- has two short routes. The main wall below is the primary attraction.
Getting There
Exit A2 from the MTR, walk east and take your first left. At the sign for the Chinese Cemetery, head right up the hill for about ten minutes. Cross the street at the sign for the Wilson Trail. Take the left trail, and follow the steps for another ten minutes to the top of the slab. There is a rap anchor just below a railing, and a descent scramble to the left. Total approach time from the MTR to the rap anchor is 30+ minutes. One short rappel puts you at the base of the headwall. Walk down a short path to the top of the slabs for a second rappel. There are a number of options for the second rap. When looking out, the rap stations to the right are best for ropes under 70 meters.
Climbing Season
16 Total Routes
Featured Route For Devil's Peak
Battle of the Bulge 5.10d 6b+ 21 VII+ 21 E3 5b Asia : China : ... : Main Wall
One of the hardest routes at Devil's Peak. Grasp tiny hold. Smear. Repeat....[more] Browse More Classics in International
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as of now the new luxury watches are not available on the tiffany co. website but the launch of the new line is expected soon.
see the original post: swatch group will take tiffany enjoy co. ltd
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Diane von Furstenberg / Spring 2011 RTW
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It wasn't hard to guess the reason Diane von Furstenberg looked so delighted when coming down the runway after her spring collection—and she was practically dancing. It had to do with the man walking by her side, Yvan Mispelaere, the house's new creative director. Clearly, these two just click.
The duo dove into the house's vast archives, which includes some 10,000 prints, and resurfaced with a bold selection that conjured up von Furstenberg's early days on the scene. In that era, as David Hicks did for interiors, DVF did for fashion, picking up where Pucci left off and establishing a code that the European jet-set lived by: intense colors, brazen prints, and nonchalant silhouettes. Spring lived up to that history—and flaunted it—with vivid draped dresses and easygoing sportswear, from loose-cut camp shirts and tapered trousers right down to the fantastic range of accessories. This wasn't a retro revival, but it played up all of the house's best angles—as one editor put it, "It looked money."
The palette was charged, inspired by the Ballet Russes, von Furstenberg said a few days earlier, with tobacco brown, lime green, yellow and sky blue. There was a lot of talk that afternoon, of Leon Baskt and Isadora Duncan and Greek antiquity. But the real inspiration without a doubt was von Furstenberg herself and the sensational brand she's built. Mispelaere is new to the label, but he's not new to working at a house with a rich history rooted in that era, having previously done time as a designer at Gucci. He was an intelligent choice.
"Diane told me that these are just like the clothes she wore when she was a princess," he said, clearly pleased. He's not the only one.
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Capturing the Link between M3 Growth and Inflation in the Euro Area – An Econometric Model to Produce Conditional Inflation Forecasts
AbstractIn this paper, we capture the link between M3 growth and inflation with a vector error correction model. The analysis also includes the 10-year government bond yield, the threemonth EURIBOR interest rate and GDP. The long-run link between M3 growth and inflation is observable in the raw data. Over the years 1980–2006, we find that M3 growth and inflation are cointegrated, which means that deviations from long-term average real money growth lead to mean-reverting adjustment processes to restore the average level of real money growth. The full effect of an unexpected monetary shock thus materializes over time in the level of inflation, after a transitory period during which GDP and interest rates have been affected as well. Out-of-sample yearly conditional inflation forecasts are produced from 2001 to 2006 which are compared to Eurosystem staff projections. Qualitatively, the monetary model predicts future inflation rates which are consistent with the ECB's assessment of future inflation prospects.
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Bibliographic InfoArticle provided by Oesterreichische Nationalbank (Austrian Central Bank) in its journal Monetary Policy & the Economy.
Volume (Year): (2007)
Issue (Month): 2 ()
Pages: 93–108
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Postal: Oesterreichische Nationalbank, Documentation Management and Communications Services, Otto-Wagner Platz 3, A-1090 Vienna, Austria
Related researchKeywords: M3; monetary analysis; inflation forecasts.;
Find related papers by JEL classification:
- C32 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes
- E31 - Macroeconomics and Monetary Economics - - Prices, Business Fluctuations, and Cycles - - - Price Level; Inflation; Deflation
- E37 - Macroeconomics and Monetary Economics - - Prices, Business Fluctuations, and Cycles - - - Forecasting and Simulation: Models and Applications
- E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
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- Kulaksizoglu, Tamer & Kulaksizoglu, Sebnem, 2009. "The U.S. Excess Money Growth and Inflation Relation in the Long-Run: A Nonlinear Analysis," MPRA Paper 23780, University Library of Munich, Germany.
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Hide Property Details
- 1 bedrooms
- 1 bathrooms
- Sleeps 4
- Apartment/Condo
Description from the owner
Situated in the north of the island in the parish named St Lucy, you will discover the charm of the Caribbean life.There you will be able to relax in a lovely 60 m2 garden and be at few minutes by car from beaches, chops, restaurants. St Lucy is a good spot to visit many sites nearby.
The apartment is composed of a bedroom 16 m2, a kitchen/living room 16 m2, a bathroom 2 m2, and a large patio 24 m2.
So see you soon at the Sweet Palm apartment.
Sweet Palm apartment Barbados
Saint Lucy, Barbados
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Additional Location Information
Situated in the north of the island in the parish named St Lucy, you will discover the charm of the Caribbean life. There you will be able to relax in a lovely 60 m2 garden. You will be at few minutes from beaches, chops, restaurants, the beautiful town St Peter, and many other sites like Animal Flower Cave, Farley hill, the Barbados Wildlife Reserve, The East Coast.......
So see you soon at Sweet Palm Cottage.
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Beach or lakeside relaxation, Warm winter getaways, Village
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Rental fees
- Cleaning fee | $67 per stay
- Damage deposit | $400
- Sofabed
- Concierge
- Internet Access
- Wireless Internet
- Parking
- Microwave
- Charcoal Grill
- Refrigerator
- Electric Stove
- Radio
- DVD Player
- Cable TV
- High Definition TV
- Television
- Outdoor Dining Area
- Garden
- Patio
- Garage
- Terrace
- Pet friendly - no
- Smoking allowed - no
- Suitable for children - yes
- Suitable for the elderly - yes
- Wheelchair accessible - ask
- 58 square meters
What Past Guests Are Saying
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text: The following is the testimony of Patricia Lindsay for the Financial Crisis Inquiry Commission Hearing on April 7, 2010: Thank you for inviting me to speak this afternoon. My hope for today's session is that I give you a unique perspective into Subprime lending. I know I was not alone in not understanding the steadily increasing risks taken in the years before my employer New Century Financial Corp. stopped making loans in March of 2007. I grew up in the real estate business where my father was a Broker and a hard money lender. A hard money loan is a short term loan to a borrower who has a significant amount of equity in the property and cannot qualify for a traditional bank loan. I became an Account Executive at Beneficial Mortgage the end of 1996. Beneficial was one of the original subprime lenders who held their loans in their portfolio rather than selling them. There were a lot of similarities between Beneficial and my experience with hard money lending, Beneficial and the various hard money lenders with whom I worked were very aligned in their thought process on how to evaluate a loan. We had three things that we used to evaluate a loan; Credit, Collateral and Capacity. We would look at these three C's and if any were lacking, like credit, a borrower better have some compensating factors, like great collateral. There was a fourth C, character, that went missing when the loan process became more impersonal and the prospective borrower never met face to face with the lender. I joined New Century Mortgage as a Wholesale underwriter in June of 1997 and left New Century in December of 2007. I was part of a skeleton crew kept on to help unwind the corporation after they filed bankruptcy. I found the lending standards at New Century were much different than the hard money standards I had learned. I really didn't understand what it meant to securitize a loan, but thought they must have found the secret sauce, so to speak, on how to take already risky borrowers and give them more money than the traditional hard money or portfolio lenders could. I loved my job at New Century, and found my niche growing and developing fraud detection and prevention measures across all of the business channels in the company. New Century provided me with all of the training and tools I wanted and needed in order to be the best asset to the company. I attended numerous seminars, became proficient at my job then began speaking at the seminars and teaching. We talked about the three C's when I came to New Century and common sense lending. These were terms I stopped hearing in the last few years. There was no longer any common sense, the three C's had disappeared and the risk was layered rather than offset . The business became volume driven and automated. A broker could get a loan pre-approval in 12 seconds or less with our proprietary system. If we couldn't close a loan quickly, one of our many competitors would. With this increased speed, I was tasked with finding a way to automate fraud detection. With the support and backing of Executive management, in 2005 I brought in a company who used our known fraud loans to build a predictive analytics tool that ran in tandem with our loan origination system. High risk loans were identified and reviewed by a local risk manager who either cleared them or recommended further action. Page | 1 Key Points: The growth and evolution of the subprime mortgage industry: • The niche market of subprime lending grew and evolved into huge business when unlimited funding became available through Wall Street via securitizations. Before Wall Street came on to the scene, there were specialty finance lenders, like Beneficial Finance and Beneficial Mortgage, who filled this niche market. They catered to borrowers who could not qualify for a conventional loan because of poor credit, a high debt to income ratio ("DTI") or other mitigating factors. They would offset their risk by commanding a higher interest rate and providing a lower loan to value ("LTV") financing. The riskier the borrower (i.e.; unsteady income, poor payment history), the higher the probability of a default, thus the need to offset the risk by reducing the LTV. The presence and impact of fraud in subprime origination: • People who may not have committed fraud before did so by making material misrepresentations to buy a property. The 100% financing products on purchase money transactions provided a vehicle for people to enter into buying a property without putting forth any money. The stated income product eliminated the ability to prove fraud without supporting documentation. When previous products required some supporting documentation in order to get a higher LTV, it was easier to identify the fraud and stop it. Straw buyers were recruited for their credit scores specifically to avoid having to provide income documentation. And they would also claim that the property was to be owner occupied, as 100% financing was not offered on non-owner occupied properties. The numbers that we (at New Century) were seeing and identifying as true fraud loans were a minuscule number compared to the number of loans we were funding every month, so I think the products offered had a bigger impact on losses and defaults than fraud did, at least as far as New Century's loans. The funding of subprime originators through the use of warehouse lines of credit: • Many, if not all of New Century's competitors were only able to operate with the use of warehouse lines of credit. These warehouse lines were provided by large financial institutions, many of which were the same Wall Street investors who would buy our loans. They very helpful in the sense that they made sure we had enough money to close the loans that they were waiting in the wings to buy. It was a very efficient model from a productivity standpoint. New Century had several warehouse lines of credit with many different banks which enabled the funding of 20k+ loans (approximately $5B) per month, at the peak. New Century did not have the liquidity to make these loans without the use of warehouse lines of credit. When New Century's lines were shut down in March of 2007, business stopped. New Century's repurchase requests increased significantly as well. There became a need for a new department to be developed Page | 2 in 2006 to centralize these requests and help my department out. In early 2007, our repurchase process slowed, indicating there may have been a cash flow problem. The impact of so-called "originate-to-distribute" model for mortgage origination and any concerns with that model: • The Definition of a good loan changed from, "One that pays" to "One that can be sold". The loans were no longer held by portfolio lenders, but sold to investors, most of whom placed them into securities. We had lost the ability to follow and monitor the performance of any loans that we did not hold either on our servicing platform or in a security we had an interest in. We did monitor the performance of the loans to which we had access, but this was not the whole picture. Virtually all of New Century's loans were sold and or securitized and not held in a Portfolio. The quality of underwriting in the years leading up to the financial crisis, including the exceptions to underwriting policies and procedures that I observed: • Loose guidelines allowed people to buy homes they couldn't afford. Loan terms started in the early years, when I came on the New Century in 1997, with the 2/28 ARM ("2/28"), this is a 30 year adjustable rate loan that has a fixed interest rate for the first two years then would go to an adjustable rate, usually adjusting every 6 months until the loan became fully indexed. Later on, somewhere around 2004, the fixed portion of the loan was just interest only and a 40 year term was added into the products being offered, although the 30 year term was still the most widely used. These loose guidelines included 100% financing to borrowers with low credit scores and no supporting proof of income. Risk Management practices in subprime origination, including any changes in risk management leading up to the financial crisis: • Risk managers at New Century were viewed as a roadblock rather than a resource in many instances. We had Risk Managers placed in production groups all across the country, and they had daily tasks that they were to perform. They would have targeted audits in addition to helping the group with researching any items of concern. Things like brokers on watch, multiple social security numbers for a borrower, or other discrepancies that needed to be clarified. If the risk manager could get to the bottom of the discrepancy and clear it, the file would be stronger because what started off looking like a problem was shown to be an error or whatever the case maybe. The real problems arose when the initial issue may have been cleared, but something else was discovered. One of the biggest changes we made in Risk management was eliminating a document we had called the Purchase Money check list ("PMC"). In the late 90's we did a post mortem review of failed loans when New Century had taken a loss. An overwhelming number of those loans were purchase money transactions with certain Page | 3 characteristics. To help mitigate any future losses, we required these transaction be reviewed by the local risk manager an fill out the PMC. During these reviews, many times the risk managers would find other issues that were not part of the PMC. The production groups were constantly complaining that the risk managers were finding other things when they were only suppose to be looking at the PMC. Around the middle to the end of 2005 at one of our Operations meetings it was announced that the PMC would no longer be used and we were "blowing it up", which received cheers by sales personnel. There was a lot of tension in many of the groups between the risk managers and production. I was called upon to help bridge the gap with a couple of groups. The sales mangers would complain that the risk managers were "killing" their deals and making their account executives anxious. But there were also groups where there was synergy between risk and production, where the risk managers were respected and utilized. • For the most part, there was not an equality between production (front end before the loans close) and the back end. It was clear that the front end ruled because they were bringing in the revenue. The only time the back end, specifically Risk Management had any teeth was when fraud was proven. If fraud was proven, the loan was locked and declined. If there was no physical proof of fraud, it became a business decision whereby the sale managers had the final say whether the loan would proceed or not. The compensation and incentive practices for persons involved in originating subprime mortgage: • Account executives, who were New Century employees who brought loans in from brokers, were primarily compensated on commission of closed loans that they brought in. I was compensated with salary plus bonus based on company performance with part of that being discretionary based on personal performance. The compensation was significant for the top producing salespeople, some of whom were making several million dollars a year. Many of the sales managers and account executives lacked any real estate or mortgage experience. They were missing the depth of experience necessary to make an informed lending decision. These same sales mangers had the ability to make exceptions to guidelines on loans, which would result in loans closing with these exceptions, at times over the objections of seasoned appraisers, underwriters or risk personnel. Some of the best sales managers had underwriting backgrounds and were more closely aligned with risk management and better at understanding potential problems, but this was the exception and not the rule. The growth, prevalence, and impact of so-called "exotic" mortgage products such as low documentation and stated income loans, and teaser rate mortgages: • The stated income, high loan to values ("LTV"), coupled with the 2/28, interest only ("IO") loans impacted the market by making purchasing a home as easy as it has ever been. Property values were climbing due to the easy money and Page | 4 excessively low interest rates. Any problems, including fraud or defaults were being masked by the rapid housing appreciation. The role and practices of appraisers in subprime mortgage origination: • Properly valuing a property (one of our three C's, collateral) is one of the most important components in a loan. In my experience at New Century, fee appraisers hired to go to the properties were often times pressured into coming in "at value", fearing if they didn't, they would lose future business and their livelihoods. They would charge the same fees as usual, but would find properties that would help support the needed value rather than finding the best comparables to come up with the most accurate value. Some appraisers would take boards off boarded up windows, to take the needed photos, then board the properties back up once the shots were taken. Or they would omit certain important elements of a property by angling the camera a certain way or zooming close in to make the property look the best possible. This level of appraiser activism compromises their objectivity. At the end of the day, we had a system that went into a downward spiral because of layering risk rather than offsetting the risk because there was such a huge demand for the products. Our loans were sold before we even made them, which put more pressure on the production groups to get loans closed. Wall Street packaged and sold the Residential Mortgage Backed Securities to unsophisticated bond buyers/ investors. By unsophisticated, I mean they did not understand the true risk of the underlying loan product. The process was so convoluted it was nearly impossible to get a fraud loan pulled out of the entanglement to repurchase it. I actually had a Wall Street investment banker chastise me for trying to buy a fraud loan back. This particular loan was back in 2002 or 2003 when there were hardly any loans coming back from investors. His comment was, " You want me to pull this one loan out of this security? Do you know what I have to do?" He proceeded to tell me that he had to find another loan to put in its place and asked if I really needed to pull it. To his credit, he did as I asked, pulled the loan and New Century repurchased it. It was at that point that I began to get a taste of the complexity of how securities worked. The rating agencies improperly rated these securities, deeming them much safer than they actually were. It seems the lending process needs to return to the basics; true risk based pricing and transparency. We have to look at the kind of market we are in, do we have cheap money with increasing housing prices? If so, the loan to value ratios should be reduced to accommodate the increased risk. I just know if I am loaning my personal funds, which I have done on several occasions, I want to ensure I'm protecting my investment. By extension, the same common sense should apply in the marketplace. A return to our core guidance of the three C's, and offsetting the risk rather than layering it. 4832-5033-4981, v. 1 Page | 5


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Flexo Operator
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