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Start your week with a big old helping of green news:
- A new aquatic beetle was discovered in Texas, and it's got a pretty cool name– Ereboporus naturaconservatus. (The Guardian)
- Scientists find 2,000-year-old coral near the site of the BP oil spill. (Christian Science Monitor)
- Is this Whole Foods the greenest grocery store in the world? (ClimateBiz)
- A new study of the glaciers and ice fields in Patagonia indicates that climate change might be happening faster than we thought. (Green)
- When bats disappear, it costs the agricultural industry billions. (Mongabay)
Make a Donation
Donate to The Nature Conservancy and give back to nature.
Tags: 2000 year old coral, Agriculture, aquatic beetle, bats, Christian Science Monitor, Climate Change, ClimateBiz, coral BP spill, Ereboporus naturaconservatus, glacier melt, Glaciers, green, green grocery store, ice fields, Mongabay, new species, Patagonia, Texas, The Guardian, The Nature Conservancy, Whole Foods


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Every year I make a list of guessing the NFL top 100. And every year there is always many surprises...
Tulloch making this list is a huge freaking surprise.
Reasons why this is whacky..
#1 - He ranks higher than his QB Matthew Stafford. That just doesn't seem right in a QB driven league. Who are these players who are voting?
#2 - He ranks higher than Lance Briggs, London Fletcher, Chad Greenway, Luke Kuechly, and Daryl Washington. Those are just the traditional LBers that he ranked higher than him. Who are these players who are voting?
#3 - He ranked higher than these defensive playmakers... Robert Mathis, Mario Williams, Dashon Goldson, Earl Thomas, Daryl Washington, Luke Kuechly, Tim Jennings, Gerald McCoy, Cameron Wake, and Troy Polamalu. Huh really? Who are these players who are voting?
I love the Lions and love Stephen Tulloch! But this is nuts to see that the players voted for him more and higher than all the player mentioned above (and that isn't even talking about the offensive players he is ahead of)....
I will be happy to just get 60 right this year. So far I have missed about 15/16.

subset: commoncrawl


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It's fairly well known that the Lakers are trying to move Gasol. They want to get younger, they want to get a top 10 pick and they want to free up some cap space to sign a free agent. So far they have had no luck finding a taker in large part due to his contract. Part of me doesn't want to help them at all because they are basically stuck right now. They have 0 cap room, 0 ability to sign anyone outside of the vet minimum and little hope of getting better. On the other hand...
#11, Wesley Matthews, Rights to Joel Freeland (may have to be signed first?) and #41 for Pau Gasol. Its not the best the Lakers could get but it certainly would provide more cap relief than the other options out there. They get a solid NBA player in Wes (albeit he plays the same position as the cap monster) they get a promising young player and two draft picks one of which is ALMOST a top 10 pick.
At #6 this would free us to pick up either Lillard or Dion Waiters. If we were to draft Waiters we would have to push for a veteran point guard like Kidd or Miller to hold the spot until either Nolan Smith develops or we take a younger point guard in a future draft. In a dream world we are able to get Mo Williams to spread the floor for the big guys. It's conceivable he would take a more reasonable contract if he was able to start again. If we take Lillard, we need to get a shooting guard that can hit the jumper to spread the floor as EWill is a slasher/scorer as opposed to a shooter. There are some out there in FA.
In this scenario, WE become the big twin tower team in the west, although I can't say how this would hamper our ability to sign Batum other than we would have to be very judicious with the other contracts on the team. I wish I had storyteller on speed dial. (for your younger folks, that's what we did with our phones before texting)
What say you my fellow ludicrous nitpickers? (before you claim outright the Lakers would never do this, which they may not, note that I have heard all the rumors here living in L.A. and frankly no one is offering them more than a mid round pick or a very good player with serious character concerns. Its getting dire over here.)


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Portland school board gives superintendent emergency strike powers
PORTLAND, Ore. - More than half-a-dozen Portland Police officers at Portland's school board meeting Wednesday night showed the rising tension as a threatened Portland teachers strike draws near.
Teachers have set a strike deadline for Thursday, February 20th.
But not many people in the audience, showing there's also little left to talk about.
Parents supporting teachers and the board both spoke to the board before an update on negotiations.
"This board needs to be responsible and negotiate a fair contract, in good faith before a strike occurs and causes further disruption among our community," parent Kathy Garris told the board.
"I urge the board to hold fast to the principles of streamlined transfer and assignment processes," countered district supporter Margi Brown.
As the district grinds toward a possible teachers strike, a new state revenue projection shows Portland schools will get an extra $4.6 million next year because of rising property tax values in the metro area.
The teachers union president contends that should lead to a settlement.
"Today's revenue forecast makes it clear that they do not need to keep saving for a rainy day, when it's raining now and they can more than afford to make things better in our classrooms," said Portland Association of Teachers president Gwen Sullivan.
The district says the revenue forecast is no guarantee.
"We're thrilled to get the extra money," said school district spokeswoman Christine Miles. "But that money is based on revenue forecast. So it's not a solid foundation."
The board voted unanimously to give school superintendent Carole Smith emergency, temporary power to prepare for a strike. Those powers include spending money and even consolidating or closing schools temporarily.
Board members said the irony of a teachers strike would be that the board already has plans to add teachers and reduce class sizes in the next budget year.
"It's inconceivable to me that we are at this place in time right now, that we're facing a strike," said board member Bobbi Regan. "It makes no sense for our kids."
The district and teachers are scheduled to meet Friday at 9:30 a.m. The district expects a new proposal from the teachers union.
The district also set up a hotline for parents to ask questions and receive updates on the negotiations. You can call 503-916-3260. Operators will begin answering at 7:30 a.m., but you may leave a voicemail if you call earlier.


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As social networks have become a very important part of every individual's existence, they can therefore become an excellent base for marketing. People all over the world have understood the value of having a fan page. They are using these social networks to make their business a known and successful venture. However, making a fan page is not as easy as its looks. It requires constant updating, interesting games and many others things.
Mistake 1: Not reaching out to the target market
More than 600 million people are hooked onto either one social network or another. Facebook being the most popular one gives several amazing options to its users. One should understand that the biggest part of marketing a product or a service is to advertise it in the correct fashion. If one doesn't reach out to the right target audience, then there is no use of having a fan page.
Mistake 2: No incentives no fans
There are very many marketing based fan pages which have a hoard of fans. People on social networking sites do not join a page unless there is something in it for them. So, if one wants active users on their fan page, then one needs to have incentives for the fans. For examples, if one is a designer of their own online boutique, then one needs to come up with discount vouchers for their fans in order for them to become regular customers as well as active fans.
Mistake 3: Not keeping the fan page interesting
Users of social networking sites get distracted very easily. In order to keep them interested in the fan page one needs to have continuous engagement with the fans. One should always keep the page updates with current events and other interesting videos. This makes the page appear active on the fan's profile so that he/she is always reminded about your business. Being the administrative of a fan page is a very big task. It requires commitment and constant contact with the goings on of the fan page. So, one should always be in the loop when supervising a fan page.
Mistake 4: Not being a neutral administrator
The first step towards successful marketing is to keep as many clients satisfied as one can therefore, when managing a fan page, one should not take sides in heated debates. This could result in losing out on the fans. While it is important to keep the page updated with the latest news, one should still tread carefully when making a point in the debate. Taking sides can cause a lot of damage to the clientele. So, one should always try to neutralize such problems on the fan page. This way, the risk of losing potential clients remains minimal.
If one takes all these necessary steps, then they are on their way to running a successful fan page. Keeping the fan page updated with the latest details is very important. However, one should never get side tracked; one should constantly keep the fans up to date about the product or the service that the fan page is meant for. Therefore, as an administrator one should take care of all these details and ensure that such mistakes never happen.


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New Cross stabbing victim in stable condition
A 19-year-old man remains in a stable condition in hospital, after a stabbing in south-east London.
It happened in New Cross Road, during the early hours of Sunday.
The victim is thought to have been leaving a nearby nightclub when he was attacked.
No one has been arrested.


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Presuming (for sake of discussion) a 2 year extension is signed to keep Gopher coaching staff intact for 2012-2016 seasons:
1 - 120 W over next 5 seasons
2 - 10 W in NCAA over next 5 seasons
3 - at least one B10 and one B10T title over next 5 seasons
The Gopher coach had averaged 24 W in his career prior to coming to Minnesota. He averaged 2 W per NCAA appearance in his career before Minnesota. He won 7 conference titles and 5 conference tourney championships in 16 years.
That was his resume in 2007.
Those should be targets for next 5 years.


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My Child Twizzle Activity Centre
Get your little one ready for some fun with the My Child Twizzle Activity Centre, which offers 360 degrees of play features to ensure they won't ever get bored!
Suitable for babies from six months, the height-adjustable My Child Twizzle Activity Centre entertains your child with flashing lights and sounds, and features a detachable play tray, a lockable bouncing footpad and a removable padded seat.
This child's activity centre includes an abundance of different toys to keep your little one entertained. Watch your little one's eyes light up as they their play interchanges between the tulip rattle, the horse seesaw, and the bear toy rattle.
This product is intended only for children who can sit up unaided (approximately 6 months old). It is not intended for children who can walk by themselves or weigh more than 12kg.
Useful info:
- Height adjustable 360 degrees rotating seat
- Removable padded seat
- Lockable bouncing footpad
- Converts to play table
- Detachable play tray with light and sound
- Tulip rattle toy
- Horse seesaw toy with teething areas
- Bear toy with rattle and teethers
- Toy bar and ball rattle
- Requires 2 x AA batteries
- My Child Twizzle Activity Centre
My Child Walk 'n' Rock -Baby Walker in Pink
- In Stock
3 reviews
- Delivery
Keep your baby entertained for hours with the Walk 'N' Rock Baby Walker Pink. The My Child Walk 'N' Rock Baby Walker features both rocking and walking features helping your baby to move in their early stages. Suitable from 6 months (max weight 12kg). Removable padded seat. Height adjustable. Converts to rocking mode. Supportive foot pad in rocker mode. Detachable play tray. Lights & Sound. Folds flat for storage. Speed restricting wheels/No-tip safety pads. Folds flat for storage. Product weight 5.5kg.Colour: Pink.


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>Brookings Oregon News, Sports, & Weather | The Curry Coastal Pilot
|Public Meetings March 9, 2013
|Written by The Curry Coastal Pilot
|March 08, 2013 09:53 pm
Public meetings
Monday, March 11
•Brookings City Council, 7 p.m., Brookings City Hall council chambers, 898 Elk Drive, Brookings.
Tuesday, March 12
•Brookings Site Planning Committee, 10 a.m., Brookings City Hall council chambers, 898 Elk Drive, Brookings.
•Harbor Sanitary District, 7 p.m., district conference room, 16408 Lower Harbor Road, Harbor.
Wednesday, March 13
•Brookings Rural Fire District, 11 a.m., Brookings Fire Hall, 898 Elk Drive, Brookings.
•Harbor Rural Fire Protection District, 7 p.m., Harbor Water People's Utility District conference room, 98069 W. Benham Lane, Harbor.
Thursday, March 14
•Harbor Water People's Utility District, 5 p.m., district conference room, 98069 W. Benham Lane, Harbor.
Friday, March 15
•Curry County Board of Commissioners budget planning meeting, 1:30 p.m., Curry County Courthouse Annex, 94235 Moore St., Gold Beach.
Government and nonprofit agencies and organizations


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Though not as dramatic as the increase for last year's edition, this year's Insight Bowl was up double-digits in ratings and viewership. The 2011 Insight Bowl, won by #14 Oklahoma over unranked Iowa, earned a […]Read more ›
Archive for January 5th, 2012
Though up from last year's game, which aired opposite a rescheduled NFL game on NBC, the Florida State/Notre Dame Champs Sports Bowl could not match 2010 or 2009. The 2011 Champs Sports Bowl, a comeback […]Read more ›
Ratings and viewership dipped for Saturday's Chick-Fil-A Bowl. The 2011 Chick Fil-A Bowl, won by #25 Auburn over unranked Virginia, earned a 3.6 U.S. rating and 6.155 million viewers on ESPN Saturday night — down […]Read more ›
The high scoring Alamo Bowl was up double-digits from last year, though the numbers could not quite touch the record set two seasons ago. The Alamo Bowl, a 67-56 shootout between #12 Baylor and unranked […]Read more ›
Ratings and viewership for the NHL Winter Classic dropped from last year, but remained on par compared to the last time the game aired in the afternoon. The 2012 Rangers/Flyers NHL Winter Classic earned a […]Read more ›
An already lackluster Orange Bowl turned into an all-time blowout Wednesday night, leading to easily the lowest Bowl Championship Series overnight rating in history. Wednesday's #23 West Virginia/#15 Clemson Orange Bowl earned an extremely low […]Read more ›


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The F-1 visa is issued to a foreign national who is "a bona fide student qualified to pursue a full course of study" at an academic or language
institution authorized to admit foreign students. Any foreign national applying for admission to UTMB as a student should contact Ms. Carol Cromie,
Enrollment Services Specialist, Enrollment Services, 2.134 Lee Hage Jamail Student Center, 301 University Blvd., Galveston, Texas 77555-1305.
Her telephone number is: (409) 772-9795. Her e-mail address is: firstname.lastname@example.com. Ms. Cromie will determine your eligibility for F-1
status based on your admission to UTMB.
For information about academic programs and application for admission as a student see the web page for Enrollment Services.
F-1 students whose I-20 forms are issued by UTMB should consult the Office of Enrollment Services for assistance with academic and immigration related issues.
F-1 students whose I-20 forms are issued by another college or university, and who are working at UTMB under "curricular" or "optional practical training"
should continue to consult the Designated School Official at their school regarding F-1 visa matters, and contact the UTMB Office of International Affairs
regarding employment-related issues.
Contact Us:
4.254 Rebecca Sealy


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Weight: 1.67
In stock
List Price:$41.78
Your Price:$32.35
You Save: $9.43 (23%)
International customers, please view our shipping page for information on additional shipping fees. CLICK HERE
SIZZIX-Scoreboards XL Die. If it's chipboard or mat-board up to .055in thick; then ScoreBoards dies expand your creativity with quick and easy cuts and scoring. The first-ever product of its kind! ScoreBoards dies produce sturdy boxes; pockets; holders and other ultra-versatile designs. These 13-3/4x6in dies will work in the Sizzix BIGkick and the Sizzix Big Shot machines: not included. Finished assembled approximate measurements: 3-1/4x2x3-1/4in. Design: Box with Scallop Flap and Flowers. Designer: Eileen Hull. Requires use of extended cutting pads. Imported.


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LOUISVILLE, KY (WAVE) - Jefferson County Public Schools spends too much on high priced administrators and not enough on students. At least that's what the Kentucky auditor thinks.
It's just one of the findings of a year long audit of JCPS released Wednesday. Now, many within the school system are defending the way JCPS does business and questioning the accuracy of some of the auditors findings.
[PREVIOUS STORY: State audit of JCPS uncovers millions of wasted taxpayer dollars, 'inefficient bureaucracy']
The 260 page report was the largest to ever come out of the auditors office. Kentucky Auditor Adam Edelen said his investigators did not find abuse, but said they did uncover a lot of wasteful spending at the expense of education.
"We're talking about potentially tens of millions of dollars stripped out of the bureaucracy and sent to the classroom," Edelen said.
Edelen said that's what could happen if JCPS follows the recommendations in his review of its nearly $1.2 billion budget.
[Click here for the complete report from the office of the Auditor of Public Accounts for the Commonwealth of Kentucky]
His findings: JCPS spends among the least in the classroom and among the most in administration.
That's people working behind desks in central office and the schools themselves, like assistant principals, which some schools see as essential to daily operations.
Still the audit found 369 JCPS employees were making more than $100,000, three times more than one of the peer school systems auditors compared to JCPS.
Auditors found 150 salaries of $100,000 in central office alone. That's compared to just 33 in Cobb County, Georgia central office outside of Atlanta, and 39 in Austin, Texas, two of the five benchmark school districts compared JCPS too.
The others were Baltimore County, Maryland, Charlotte-Mecklenburg North Carolina and Pinellas County, Florida, which is part of the Tampa Bay area.
"I don't think when you compare us to our benchmarks you can defend this many people making that much money," Edelen said.
JCPS said many of those in the $100,000 club have worked in the school system for decades and their salaries have grown gradually over time. In fact, auditors found it's not just JCPS administrators who are paid well. At $60,000, average teacher salary ranks above comparison school districts too.
"But there's no question we have people that would rival any of those other districts," said JCPS Superintendent Dr. Donna Hargens. "And we have people that I bet those other districts would love to have a recruit."
Hargens said the JCPS salary structure is overdue for a review. She said that will be part of the action plan the district takes to address the audit.
There was more with auditors finding JCPS board members don't have enough understanding of the budget to provide oversight. According to the audit, one board member told auditors they weren't sure what budget line items really mean and that they rely on staff members to explain the budget to them.
"I don't think our board is falling down on the job," said Board Chair Diane Porter. "I think it is a tremendous amount of time that is needed to spend on the budget."
Edelen said the board is spending no time policing the district. His team found an internal audit system is set up to report to the superintendent and not the board, adding to a lack of oversight.
"Folks I think it is safe to say the internal audit system here at JCPS has been a toothless tiger," Edelen said.
Edelen said the audit, which was requested by JCPS, can be a springboard for the district to turn itself into one of the most efficient systems in the country. Board member Carol Ann Haddad said the very public way Edelen went about all makes her think he's using it as his own springboard to run for governor.
"I really have a problem when people want to use education as a ground for political gain," Haddad said.
Haddad and others were also objected to the fact that the audit makes it look like students are failing because the central office is wasting money. But Edelen never compared test scores between the districts making it impossible to say definitively changing the way JCPS does business will improve student performance.
"If you're asking me based on the work that we've done that I can tie getting $15 million more from the bureaucracy into a classroom, the degree to which that is going to effect student performance, I cannot," he said.
JCPS said comparisons would have been difficult if Edelen did try to tie test scores to his audit. Three of the districts don't have a testing system that can be easily compared with JCPS. As for the other two, JCPS said their scores trail Charlotte and Austin is a mixed bag. JCPS is roughly equal in reading but behind that Texas city in math scores.
Copyright 2014 WAVE 3 News. All rights reserved.
725 S. Floyd Street
Louisville, KY 40203
FCC Public File
EEO Report
Closed Captioning


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An Adger man was arrested and charged for allegedly sending pornographic photos to a juvenile female.
The Jefferson County Sheriff's Office reports William Ray Reeves Jr., 56, was arrested in this case.
Back on March 4, 2013, deputies in the Sheriff's Office Sex Offender Unit received an anonymous tip that an unknown suspect was sending pornographic photos of himself to a 14 year old Jefferson County girl through the social media site Facebook.
The investigation led Detectives to Reeves.
The suspect and the victim in this case did not know each other, and it's not clear why the child was targeted.
Then on March 14, 2013, deputies executed a search warrant at Reeves' residence in the 9900 block of Lock 17 Road in Adger.
During the search, detectives discovered evidence linking Reeves to this crime.
They also found evidence that indicates there may be other victims who have yet to be identified.
Reeves was served with a warrant for his arrest on a charge of Transmitting Obscene Material to a Child by Computer.
If anyone has information regarding this case or any other involving William Ray Reeves Jr. is asked to contact the Jefferson County Sheriff's Office Sex Offender Unit at 205-325-5800.
Reeves posted a $30,000 bond and was released from jail.
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Telephone: 205.933.1313
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|Ministerial Taskforce on Aboriginal Affairs Community Consultations
Update from Minister Victor Dominello, 14 August 2012
Thank you for your contribution to the work of the Ministerial Taskforce on Aboriginal Affairs. There was a great response from Aboriginal communities during our public consultation in January and February – more than 1,700 people attended a community forum and we received over 200 written submissions including some 4,000 individual comments. You can view the Consultation Report online if you would like to know what we heard.
Over the last six months, we've carefully considered what Aboriginal communities and stakeholders have said and this has guided the development of several proposals in the areas of education and training, employment and service delivery.
These proposals are outlined in our Progress Report which I have attached for your information. To report back to Aboriginal communities and stakeholders and to test if the Taskforce's approach is on the right track, we are holding a second round of community forums in late August and September (a list of dates and locations is included below). I invite you to come along and give us your specific feedback.
To make it easier for communities to have their say, we have also developed a survey on the key proposals in the Progress Report. The survey will be available on our website and can also be filled out at the community forums.
I encourage you to read the Progress Report , forward this email to friends and family, attend a forum, and fill out a survey to let us know your views.
I look forward to your continued involvement. Partnership is vital for the changes we need to make together.
Yours sincerely
Download: Dates, times and locations for community consultations


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Robert "Perk" Rahm, 78, of Muncie, passed away at 5:55 a.m. Thursday, July 18, 2013, at his home in Muncie.
Robert was born May 22, 1935, in Danville. He was the son of Frank and Edith (Wood) Rahm.
He married Pamela "Penny" Pilkington in 1975 in Danville. She preceded him in death in March of this year.
Robert is survived by sons, Michael Wilt Jr. of Champaign, Robert (Layne) Wilt of Severn, Md., Raymond (Michelle) Wilt of York, Pa., and Dale (Traci) Wilt of Muncie; "daughter," Jane Harrier Danville; grandchildren, Thomas Harrier, Michelle Harrier, Holly White, Shawn Madden, Robert Wilt Jr., Candice Shepherd, Candace Wilt, Patrick Byrd, Brandon Wilt, Kyle Wilt, Brittany Wilt, Dale Wilt Jr., Andra Wilt, Caitlyn Wilt, Tyler Gutierrez, Zach Wilt, Kayla Wilt, Jacob Wilt, Bailey Wilt, Ayden Wilt, Makenzie Wilt, Marci Wilt, Cassiday Wilt, Calvin Wilt and Elysse Wilt; and 15 great-grandchildren.
Robert was preceded in death by his parents and granddaughter Brittany Wilt.
A man of great faith, Perk was a devoted Christian as well as a loving husband and father.
He worked in construction as a roofer and carpenter with the local union until his retirement after many years of service.
Perk loved his family, especially his grandchildren and great-grandchildren, and will be missed by all those who knew him.
As per Robert's wishes, he was cremated by Sunset Funeral Home and Cremation Center in Danville. A memorial gathering will begin at 2 p.m. Saturday, July 27, at Community Church of God in Danville, with Pastor Jeremy Zerkle officiating.
Memorials may be made in Robert's name to the American Cancer Society. Condolences may be left at www.sunsetfuneralhome.com.


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A new documentary, "The Act of Killing," explores the human capacity for mass murder. It addresses the Indonesian fratricide of the mid-1960s, in which a million people may have been killed.
The slaughter was monstrous, but it was also mystifying — which is the way it often is. I've interviewed war criminals in a half-dozen countries, and it's always bewildering how the nice old person across from me, so graciously concerned with how much milk I want in my coffee, could have committed atrocities.
The puzzle of such episodes is that otherwise good and decent people were so oblivious to the abhorrence of what was going on. So I was struck that the same section of the New York Times that carried a thoughtful review by A.O. Scott of "Act of Killing" also reviewed another documentary. That one was "Blackfish," and it looks at the SeaWorld marine park and its (mis)treatment of orcas.
Orcas, also known as killer whales, are sophisticated mammals whose brains may be more complex than our own. They belong in the open sea and seem to suffer severe physical and mental distress when forced to live in tanks. Maybe that is why they sometimes go berserk and attack trainers. You or I might also go nuts if we were forced to live our lives locked up in a closet to entertain orcas.
SeaWorld denies the claims, which isn't surprising since it earns millions from orcas. Two centuries ago, slave owners argued that slaves enjoyed slavery.
The juxtaposition of the two reviews made me wonder: Someday, will our descendants be mystified by how good and decent people in the early 21st century — that's us — could have been so oblivious to the unethical treatment of animals? There certainly has been progress. Centuries ago, a European game consisted of nailing a cat to a post and head-butting it to death without getting your eyes scratched out. These days, torturing animals is a crime.
Peter Singer, the Princeton philosopher, published his landmark book "Animal Liberation" in 1975, and, at first, the idea was regarded as a quixotic source of amusement.


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Welcome to the COSAM Senior Projects Research Guide!
This guide includes information and materials to help write your your senior project or project proposal: searching for senior projects, writing a literature review, submitting your senior project, and more...
Visit COSAM Research Central for subject specific research guides with lists of the best Library resources in each area of study and an excellent starting point for your research project.
Literature Reviews
What is a Literature Review?
A literature review is a written account providing an overview of all the important literature related to a particular topic. It is an essential part of any research publication, dissertation or thesis. It also can be a stand-alone document.
The literature review is designed to do several things:
- Discover what is known (or not known) about a topic or research question.
- Determine the current status of the research on a topic or research question.
- Situate your topic or research question into the context of related research and information.
- Provide an understanding of the methodologies used in researching related questions.
- Identify areas for further study.
Steps in the Literature Review Process
The literature review involves a systematic process.
The steps in this process include:
- Defining the topic or problem.
- Searching the literature.
- Reading and evaluating the information you find.
- Analyzing, comparing, relating, critiquing and synthesizing the information.
- Correctly citing the information included in the literature review.
Literature Review Manuals, Proposal Writing Guides, etc.
Search for Senior Projects
- Search Senior Projects 2009 to presentBrowse, view, and search for Senior Projects online by subject in DigitalCommons@CalPoly.
- Search for Senior Projects prior to Fall 2009Search for Senior Projects prior to Fall 2009 in PolyCat. They are available on microfiche only and are available in the in Room 111. They are arranged by the 6-digit "call number" listed on PolyCat record. For help locating senior projects and instruction on using the reader/printers, ask at the Research Help Desk.
- Locating Senior Projects TutorialThis tutorial shows you how to locate, access and view Senior Projects.
Senior Project Documentation
Senior projects are digitally deposited and made publicly available in the DigitalCommons@CalPoly, the University's repository for scholarship created by Cal Poly faculty and students.
Each department, school, and professor have their own requirements, expectations, and timelines regarding senior projects. Students should consult with their faculty advisors on specific academic department policies and procedures regarding wheter to submit their senior project to the library.
Learn more about about submitting your senior project to the library and keep up to date on senior project submission guidelines, dates, and general information through the Senior Project Facebook Page.
Need help?
Contact a librarian 24/7 by live-chat, email, in-person, or phone.
COSAM Librarian
Jeanine Scaramozzino
(805) 756-5677
Campus Academic Resources
- COSAM Advising CenterProvides academic advising services to all students in the college plus Liberal Studies and Health Professions.
- University Writing and Rhetoric CenterFree, one-on-one tutoring to assist Cal Poly Students with any writing task.
- Study Skills SeminarsSeminars are offered throughout te quarter providing instruction in time management, textbook reading, note taking, test preparation, senior project preparation, and more.
- Study Session ProgramFor students who submit a request via MyCalPoly to study with a group focused on challenging, selected courses in the COSAM and the COE. Each group is led by an upper-division student and meets twice weekly throughout the quarter.
- Tutor Referral ServiceA list of free on campus tutoring resources available fall, winter and spring.
- School of EducationInformation on single subject credential, multiple subject credential, and Education Masters degree requirements.


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Crop & save button disappears
Hi all, i'm updated an "old" theme to the 1.01 but i've a problem i cant'solve.
It is about the cropping images, both in profile and groups.
When i crop an image, and then i click "continue", successively i can't see the "crop and save" button.
The problem happens only with IE: the button appears for half a second and then vanishes.
Can you help me?
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Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
1/1 Photo of Corn & Camembert Bread
Prep Time:
Cook Time:
5 mins
30 mins
This is an Edgell recipe I found in an old cookbook, I had a little bit of Brie to use up so I did a half batch with no issues in conversion, I also used half corn kernels, half creamed corn which was lovely.
Units: US | Metric
Serving Size: 1 (176 g)
Servings Per Recipe: 8
Getting dinner on the table just got a whole lot easier.


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Jacksonville Jaguars
Mike Brewster - #60 - G
|6' 4"/ 305 lbs.
|Orlando, FL
|Ohio State
|Years played
MJD's comments on Jags' QB situation not helping anyone
Jaguars RB Maurice Jones-Drew's loyalty toward incumbent starting QB David Garrard isn't helping anyone — including Garrard.
Impact on Jaguars minimal if free-agency rules revert back to 2009
The impact of free-agency rules reverting back to 2009, meaning four- and five-year veterans are unrestricted, should have a minimal impact on the Jaguars.
Readers think Jaguars most likely to move to L.A.
Readers believe that the Jaguars will be leaving Jacksonville and heading to the West Coast after responding to the poll question, "Which NFL franchise is most likely to move to Los Angeles."
AFC South best bets to break through in 2011
PFW identifies four players from the AFC South who are ready for coming-out parties in 2011 (clockwise from left) — Connor Barwin, Donald Brown, Jared Cook and Mike Thomas.
Jaguars' Lewis happy with life - just not with franchise tag
Coming off his best season, Jaguars TE Marcedes Lewis tells PFW he is happy and content even though his job and the big payday that he deserves are on hold because of the lockout.
AEG CEO talks to five teams about move to L.A.
Tim Leiweke, CEO of the group trying to build a stadium in downtown Los Angeles, has spoken with representatives of the Vikings, Chargers, Raiders, Rams and Jaguars about the proposed venue.
DT Knighton's weight a concern for Jaguars during lockout
With the Jaguars' coaching staff unable to contact any of its players during the lockout, we hear it has to be concerned about the weight of DT Terrance Knighton.
Lockout opening new doors for MLB Morrison
Unrestricted free-agent LB Kirk Morrison is not letting the lockout get him down.
Wilford pleads no contest to charge of resisting arrest
Former Jaguars TE Ernest Wilford pled no contest in a Jacksonville court on Friday to charges of resisting arrest during an incident at a local bar in January.
Jaguars could target Chargers S Weddle in free agency
The way we hear it, GM Gene Smith has targeted 2-4 players to pursue when free agency begins. Chargers S Eric Weddle could be one of those players.
Lockout limbo: Jaguars report
With NFL teams stuck in limbo thanks to the lockout, we are looking at where teams stand as they await the opening of the 2011 league year. Today, we take a look at the Jaguars.
Versatile OL Rackley bolsters Jaguars' interior
Third-round OG Will Rackley brings a much-needed infusion of youth to an aging Jacksonville interior.
AFC South daydreaming
Here are some potential compelling AFC South story lines that are in jeopardy because of the NFL lockout.
Toronto to push for NFL team
Toronto Councillor Doug Ford told TheScore.com that Toronto will push to bring an NFL franchise to town after the league puts a team back in Los Angeles.
Round Four is for taking risks
Remember last season? Round Four was full of calculated gambles. Some of them even paid off. This year is no different, as shown with the Vikings' selection of Iowa DT Christian Ballard.


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So I noticed the other day that Tulo was sporting the Number 2 this year. Last year he wore number 14. I wonder if with the Big-Cats induction to the Colorado Sports Hall of Fame this year if there are any plans to retire his number?
It doesn't make since why Tulo would've switch from 14 to 2 if that wasn't in the works.
Anyone else hear anything?


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Monica Ruhlman
Monica is a 22-year-old captioner at the nation s top TV captioning company. She graduated from college with a Bachelors in English. She started out as a music performance major and still regularly plays her French horn. You can often find her sitting in front of her computer with a cat on her lap, writing new posts for one of her three blogs. If she has headphones on, she s just as likely to be listening to Owl City or Christina Perri as heavy metal or classical orchestras. In her down time, she enjoys playing Legend of Zelda video games or burying her nose in the latest fantasy novel she found in a used book store.Read More »
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Education/ExperienceBachelor of Arts, English
Interestspiercings, tattoos, animals, cats, pets, sisters, family, religion, Christianity, writing, internet, reading, books, movies, fantasy, werewolves, sci fi, video games, metal, music, acne
MottoSometimes the best course of action is to wait.
AffiliationsCreative Writing Blog: tonight we dream of love, "Beauty" Blog: The Pierced Temple, Daily Blog Feature Blog: Monica's Blog du Jour, Twitter
Displaying Results 1 - 15 (of 15) for All Content
Why, at 23, I've Never Been HappierReasons why 23 is one of the happiest ages in one's life
Falling StarsOriginal flash fiction by Monica Ruhlman
ChicagoOriginal flash fiction by Monica Ruhlman.
The Candy HolidaysAn Easter poem by Monica Ruhlman.
The Mother of All PranksSome stories of the countless pranks my unassuming mom has played on the rest of the family every year on April 1.
BattlesAn original flash fiction short story.
The Nightmare Before EasterMy sisters and I usually have fun searching for our Easter baskets. But last year, our parents decided to put a terrifying spin on our holiday tradition.
The SeerA young man travels across the world to be Seen. A science fiction/fantasy short story.
Lord Byron: The Playboy of the Romantic PoetsThough he is remembered today for his passionate and beautiful poetry, the life of Lord Byron was anything but ideal. The 19th-century celebrity was continually mired in scandals and affairs, both at home in England and abroad.
Tonight We Dream of LoveA poem about unrequited love.
How to Choose a DreamDo you have several activities you really enjoy doing? Can you see yourself in more than one career? Here are a few tips to help you figure out your best and most fulfilling dream to chase.
The Orange ToyA poem based on an image.
An Evening StrollA man discovers strange markings on his arm. A short story inspired by a picture.
Love Lies in WinterAn original piece of flash fiction by Monica Ruhlman.
Which College in Pittsburgh is Right for You?What kind of things to expect (including cost and class size) from three very different colleges in the same city: the Community College of Allegheny County, the University of Pittsburgh, and Carnegie Mellon University.


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New Orleans snaps Nuggets win streak at 15
NEW ORLEANS (AP) _ Ryan Anderson scored 23 points, Brian Roberts doubled his career high with 18 assists and the short-handed New Orleans Hornets beat Denver 110-86 on Monday night, ending the Nuggets' 15-game win streak.
New Orleans, playing without its starting backcourt of Eric Gordon and Greivis Vasquez, won its third in a row and was in control all the way.
Roberts, a rookie making his second start, had 11 assists by halftime, two more than his previous best. Anderson was 5 of 11 on 3-pointers, and the Hornets sank 14-of-25 3s as seven players scored in double figures.
Danilo Gallinari had 24 points for the Nuggets.
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Plastic is good for containers of all kinds, including medication containers.
There is no evidence to support pushing glass in favor of plastic on the justification of the endocrine disrupter panicmongering.
Why is it that junk science travels so much faster than good science adn always lands on some ambitious politician's desk?
And to top it off this is in India where they worry about plastic and still need to create safe sewer systems?


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Wendy Kent has been in the recruiting and career consulting business in Portland since 1991. She has connected talented individuals with local Portland opportunities in the areas of Accounting & Finance, Human Resources, Administration and Sales & Marketing. Her approach and philosophy are unique in a marketplace where recruiters are often transactional and driven by shareholders to produce revenue rather than working directly with individuals and companies to determine a clear understanding for what makes a placement successful for both sides. Ms. Kent has built a vast network of professional long term relationships based upon trust, objective consultation and respect. Her insight into specific sectors and the experience and expertise necessary to success have resulted in long term retention for her clients. Wendy Kent is known for her vast network which provides employers with access to top performers.
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First Call Resolution targets employee well-being and client satisfaction.
How six leading foundations are working together for a better Oregon.
Vigilant enters a New Year with a new president.
Lane Powell Shareholder William T. Patton has been appointed to the board of directors for Cascade AIDS Project, an organization that provides educational services and outreach to thousands of Oregonians living with HIV/AIDS.
Fifty-one Lane Powell lawyers were recently selected by their peers for inclusion in The Best Lawyers in America® (Best Lawyers) 2015; of those selected, 23 lawyers are from the Firm's office in Portland, Oregon.
Barran Liebman is proud to announce that Andrew Schpak, a Partner of the firm, has been named Chair of the American Bar Association's Young Lawyers Division for the 2014-2015 bar year.


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Pick your Speed
HughesNet offers fast, reliable high speed internet for everyone, everywhere! You can make your selection of three available speeds and get to browsing the internet the way it was meant – at High Speed! There's a package and price to suit everyone's needs. How fast do you need? See the speed matrix below and learn how fast you can perform some common internet tasks. For many, the Basic package provides the speed you need to accomplish your web browsing goals. For others, a higher speed may be desired to supercharge your internet experience. Still having trouble deciding? No worries, we can help! Call us today at 866.950.7523 and a dedicated Satellite Internet Specialist will help you make the best selection.
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What Are Car Talk Fans Called? Tappetheads?
Staff Blog
May 3, 2012 (Archives)
Dear Tom and Ray,
Rush Limbaugh has Dittoheads, Jimmy Buffet has Parrotheads, and the Grateful Dead has Deadheads. What are loyal listeners of Car Talk called?
Our brand-new word is "Tappetheads." Think you can do better? We think so, too! Check out the listener photo album for inspiration, and leave your ideas in the comments below.
One of the earliest sightings of a Tappethead in his native habitat. (Roman from New York)


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Articles tagged "Juan Castillo"
Confirmed: People want Andy Reid, Romeo Crennel and Rex Ryan to lose their Jobs
It's not easy being an NFL head coach, especially when anyone and everyone can create not-so-glowing tribute Web sites demanding your job. Andy Reid, Norv Turner, Rex Ryan and Ron Rivera are just four of the coaches suffering this fate.
Hell's Kitchen: 5 NFL coordinators feeling the heat
The QuantCoach is hungry for some football. He critiques five assistant coaches, the sous-chefs of the football world, who need to whip up winning recipes in 2012. You know the old saying: Can't stand the heat? Get of the kitchen.
Has Philly Made All The Right Moves?
Cold, Hard Football Facts all-conference cornerback Stefan Djordjevic made all the right moves at Ampipe High back in 1983. Philly fans are wondering if their team did the same in 2011.
Forearm Shiver: the CHFF Blog
Quick Outs
- Super Bowl XLIX Favorites: NFC Likely To Be Super Again In 2014
- Super Bowl XLVIII Most Watched Program In U.S. History
- Super Bowl XLVIII Postgame Stat-Palooza
- CHFF Classic: Russell Wilson NFL's Best Young QB
- Super Bowl XLVIII: Broncos-Seahawks The Statistically Perfect Super Bowl
- Prop-A-Palooza II: Hundreds More Super Bowl XLVIII Prop Bets
- Live From Media Day: Could Seattle D Stop Russell Wilson
- Seattle Seahawks Brash Legion of Boom Proves Real Statistical Deal
- AFC Champion Denver Broncos Betting Season in Review
- NFC Champion Seattle Seahawks Betting Season in Review
Must See Videos


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1 posts tagged "Ludivine Poiblanc"
Cara Delevingne, Malgosia Bela, and Liu Wen Get Sultry for La Perla-------
"When you choose your lingerie, you think about somebody who is going to look at it…" purrs model Malgosia Bela in La Perla's latest drop, a short backstage video, debuting here, which accompanies the underwear label's Spring '14 campaign. "Or take it off, actually, if the evening goes well."
Bela, Cara Delevingne, and Liu Wen star in La Perla's newest promo to showcase "multiple styles of femininity" via their notably different personalities. Bela, the veteran, Delevingne, the wild child, and Wen, the willowy middle-grounder. Lensed by Mert Alas and Marcus Piggott (with art direction by Fabien Baron and styling by Ludivine Poiblanc), the ads and the video convey a new rawness for La Perla, yet they're entirely relatable. Bela's above-mentioned sound bite notwithstanding, each model can be seen taking a selfie or two in the clip. And despite the vid's grayscale eroticism and somewhat ominous electro soundtrack, Delevingne's sound-off captures the campaign's overarching ethos: "Don't worry, be happy, basically."


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Take one very extroverted and bright little girl, add a grumpy old grandpa and you have the most interesting matchup since Paper Moon. Chloe Christine Townley was born November 10, 2005 and went to live with grandpa at age three and a half after being lost and retrieved far from home. It was not an easy mix - two strong personalities in one small space - but over the period of about 500 days they worked it out and are now well-known all over New York City and in several southern states.
This is a celebration of Chloe, the adversity she faced and her development from baby to young lady. Ask her about anything, she has an opinion about it and isn't afraid to tell you whether on the subway, the street or in school. She likes the Disney princesses, but thinks they are a bit too wimpy and need to have light sabres like in Star Wars.
Chloe is learning to read and write in kindergarten. She also cooks, folds laundry, does dishes and sometimes cleans. She currently lives with her grandpa, "papa," in Manhattan. Even though she's just five, she can tell you all the subways to get from uptown to the Toys R Us in Times Square.


text: Antiques House Series 1 - Episode 4 Share: About this programme 4/24. Two teams are challenged to hunt out items in the recreated period rooms of the Antiques House, including a hat worn by Tony Robinson in Blackadder. Hosted by Josie Lawrence. Cast and crew Cast Host Josie Lawrence Contributor Paul Hayes Categories Entertainment Share:


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Dominick Stanin
Aug 21, 2014
Andre S. Watson
Aug 14, 2014
Jose Alberto Miranda
Jul 24, 2014
Juan Sanchez-Rodriguez
Jul 16, 2014
Home » News » Crime
Hollis man charged with stealing identity of soldier
Alberto Albearta-Gonzalez, 34, of 201 Silver Lake Road was arrested Thursday on one count of identity fraud.
Police opened an investigation Tuesday after they received a report from the Fort Riley, Kansas soldier. He told police someone in Hollis had used his name and Social Security number, allowing him to work and obtain credit.
Officer David Turgeon determined a man living in Hollis was using the soldier's name, had obtained a New Hampshire driver's license and had registered several vehicles.
About 6 p.m. on Wednesday, Turgeon stopped a 2002 Volkswagen Jetta, that was registered in the soldier's name, on Proctor Hill Road.
Police said the driver, Sabino Olguin Martinez, 45, also of 201 Silver Lake Road, was arrested because he did not have a valid driver's license. He was charged with operating a motor vehicle without a license and released on $500 personal recognizance bail.
Albearta-Gonzalez was arrested Thursday morning for identity fraud when he arrived at the police station to reclaim the Jetta.
Police said Albearta-Gonzalez, using the soldier's personal information, obtained numerous identity documents in his name, obtained lines of credit and created issues with the IRS by using the soldier's Social Security number.
He is being held without bail, based on a detainer issued by the Department of Homeland Security, Immigration and Customs Enforcement (ICE). He was arraigned Friday in 9th Circuit Court, Nashua District Division.
Olguin Martinez is to be arraigned April 17.
ICE continues to investigate the case.
- Manchester police officer finds gun in cyclist's backpack - 2
- June graduate of St. Paul's School indicted on sex assault charges - 0
- Police: Activist in chicken suit was warned not to pester Shaheen prior to arrest - 0
- Judge orders prosecutors to disclose more details in Portsmouth bat beating probe - 0
- Former Claremont police dispatcher waives hearing on sexual assault charges - 0
- Some sexual assault charges dismissed against Nashua caretaker - 0
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- Rochester man facing attempted murder charge - 0
- Mother, daughter, man charged in prostitution case in Nashua - 0
Traffic signal stop leads to drug arrest in MerrimackREADER COMMENTS: 0
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- Manchester police to hold 'Coffee with a Cop' event - 0
- President Obama: Rescue attempt of NH-based journalist James Foley failed - 10
GPS device locates stolen truck in MerrimackREADER COMMENTS: 0
Derry to NH: Take Exit 4A
Editorial: Garcia gains Lambert lies
- Mass. Supreme Judicial Court has found upskirt photos taken on a subway aren't illegal. Should such voyeurism be a crime?
- Yes
- 83%
- No
- 17%
- Total Votes: 917


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Latest News
Outrigger Energy LLC is a private, full service midstream energy company specializing in grass roots project development as well as strategic asset acquisitions. We are currently focused in liquid-rich natural gas and crude oil basins in the Rockies, West Texas, and Mid-Continent areas. Outrigger has extensive experience and expertise in all areas of the midstream energy business, including:
• Crude Oil and Natural Gas Gathering
• Compression
• Processing and Treating
• NGL Fractionation
• NGL & Natural Gas Marketing
We have a successful management team with many years of industry experience and a proven track record of providing innovative and cost-effective energy solutions for its E&P customers, as well as creating significant value for its share holders.
1200 Seventeenth Street • Suite 900 • Denver, CO 80202 • 720.638.7312 voice • 720.612.4710 fax


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Q. We're working on a 120-year-old house that still has its original standing-seam metal roof. A roof painter told the owner that this roof has 50 years of useful life left. Can a metal roof really last 170 years?
Proper treatment of edges, terminations, and penetrations is key to a leak-free metal roof. Here are the critical details.
Q: We build along the coast in North Carolina, which is considered a high-wind zone with gusts up to 120 mph. We're interested in using standing-seam metal roofing panels, but we are concerned about blow-offs. Can you tell us what details and panel specifications we should require from our roofing...
A metal roof specialist describes how to select the right agricultural-style roof panels for residential use.
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2014 Hanley Wood Media, Inc. All rights reserved.


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What better way to see New Zealand than by Bike. Cycle through the diverse and varied landscapes of New Zealand and on the way get a smell of the cultural wonder of this country.
With rides all over the country and with levels to suit all this is truly a world beating cycle network.
Use this website to plan and book your experience, whether that be for a few days or a few weeks.
Click on the map to take you to a detailed description of each trail in each region. The numbers correspond with the trail names below.


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The Harmsco HC/90-5 filter cartridge fits the following water filter housings:
The Harmsco Hurricane HC/90-5- Pleated 5 Micron Filter is a pleated water filter with a 5 micron rating for the reduction of sediment and other particulates in water. This replacement water filter is appropriate for use in industrial, residential, and commercial applications, and is cleanable and reusable. This 20" water filter has a high flow rate and provides clean and fresh water.
Harmsco Hurricane HC/90-5- Pleated 5 Micron Filter specifications:


text: Often, when you're searching for a dressier watch, you find the same designs and combinations, often in a three-hand style. While there's nothing wrong with that style (it's a classic for a reason), it's nice now and again to have something a bit different come up – and that's what we have today from Dubey & Schaldenbrand. Continue Reading


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Coasting through its third and final vote, Nebraska lawmakers pass a measure to let cities offer relocation incentives.
In a unanimous decision, the proposal was passed in an effort to help small towns attract new residents and high–demand workers.
Local officials have spoken in support of the bill saying it will bring recruitment for their community.
"We have a lot of needs. we obviously need a lot of welders...there are plenty job openings in Kearney and a lot of those things though, my personal opinion is it's up to that respective industry or that business to provide those incentives for their employees if they need to do something," said Kearney Mayor Stan Clouse.
Community officials could use local–option sales tax revenue, previously approved by voters, but they would have to weigh in again for the money to be used specifically for incentives.
Senator Kate Sullivan of Cedar Rapids proposed the bill hoping small towns will attract plumbers, electricians, nurses and other high–demand workers.
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TKA Academics
Students at The King's Academy excel academically. Here are just a few statistics about TKA:
- 100% graduation rate
- Average of 95% of graduates over the last 10 years of attend college
- Average GPA for seniors over the last 11 years is 3.39
- Average of 57% of seniors over the last 9 years have received scholarships
- TKA has served students from over 100 countries! In 2011-2012, students representing 17 countries attended TKA!
- 33% of the 2011 graduating class received honors diploma
The King's Academy has always prepared the student to go to college. From the kindergarten curriculum to the advanced calculus high school students take for college credit, everything about TKA is designed to prepare students for further study. We recognize that a student is not merely in the process of becoming; rather each student is someone of importance, with a God-designed mission in life. The King's Academy academic plan immerses the student into an atmosphere where they discover and engage their talents in fine arts, language, athletics, and other disciplines. The well-rounded academy student who develops academically, emotionally, physically, socially, and spiritually is well prepared for the challenge of a university experience.
The King's Academy academic regimen is rigorous, but also accommodating. TKA offers many avenues of study:
- The Learning Center at TKA offers education therapy to help students strengthen cognitive and perceptual skills under the auspices of the National Institute of Learning Development.
- King's Online allows students anywhere in the world to take accredited middle school and high school coursework.
- The King's Academy Home-School Umbrella Program provides academic counsel and support to parents who wish to teach their children at home.
- High school students may take advanced courses for college credit.
- TKA students regularly compete with students and teams from much larger schools, performing well in academic, fine arts, and athletic competitions.
Academic Awards & Special Honors
The academy believes in recognizing student achievement. Many opportunities throughout the year are taken to recognize individuals and groups for their accomplishments. The highlight of this effort is the annual Honors and Awards Day program at the end of the school year. Parents are invited to join the TKA family in celebrating student effort and accomplishment. Please view our complete guide to TKA's Academic Awards and Special honors here.
Academic Policies, Course of Study & Graduation Requirements
The King's academy curriculum is designed to not only prepare the student for college, but also to prepare them for a life of service in Christ. For a complete guide to courses of study, graduation requirements, and class descriptions, please view our academic policies here.
Grading Policies
Grades are considered to be very important in the lives of TKA students. Only students who have the ability to succeed are admitted. Therefore, all students are expected to succeed. Effort is made to encourage students and motivate them to academic excellence. For a complete guide to TKA's Grading Policies please view our online Student Handbook here.


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March 19, 2007
Dooly County -- A Wisconsin man dies in a freak accident on I-75 in Dooly County.
Twenty-one-year-old Jason Buckmeier was killed Friday when a wheel came off a tractor-trailer, crossed the median and slammed into the van in which he was riding.
The other five people in the van were injured and taken to hospitals in Macon and Cordele.
No charges are expected to be filed.
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Quotes & Info
|MCY > SEC Filings for MCY > Form 10-Q on 31-Jul-2013
|All Recent SEC Filings
Quarterly Report
or implied in any forward-looking statements. Any forward-looking statements should also be considered in light of the information provided in "Item 1A. Risk Factors" in the Company's Annual Report on Form 10-K for the year ended December 31, 2012 and in Item 1A. Risk Factors in Part II - Other Information of this Quarterly Report on Form 10-Q.
B. Business
The Company is primarily engaged in writing personal automobile insurance through 13 insurance subsidiaries ("Insurance Companies") in 13 states, principally California. The Company also writes homeowners, commercial automobile, commercial property, mechanical breakdown, fire, and umbrella insurance. These policies are mostly sold through independent agents who receive a commission for selling policies. The Company believes that it has thorough underwriting and claims handling processes that, together with its agent relationships, provide the Company with competitive advantages because they allow the Company to charge lower prices while realizing better margins than many competitors.
The direct premiums written during the six months ended June 30, 2013 and 2012 by state and line of business were:
Six Months Ended June 30, 2013 (Amounts in thousands) Private Commercial Passenger Auto Homeowners Auto Other Lines Total California $ 868,887 $ 131,033 $ 25,566 $ 35,285 $ 1,060,771 78.1 % Florida (1) 70,546 0 9,259 3,491 83,296 6.1 % Other states (2) 143,553 35,104 13,065 22,485 214,207 15.8 % Total $ 1,082,986 $ 166,137 $ 47,890 $ 61,261 $ 1,358,274 100.0 % 79.8 % 12.2 % 3.5 % 4.5 % 100.0 % Six Months Ended June 30, 2012 (Amounts in thousands) Private Commercial Passenger Auto Homeowners Auto Other Lines Total California $ 823,903 $ 124,759 $ 20,091 $ 31,529 $ 1,000,282 76.1 % Florida (1) 82,569 (174 ) 7,576 4,049 94,020 7.2 % Other states (2) 156,701 28,657 8,611 25,734 219,703 16.7 % Total $ 1,063,173 $ 153,242 $ 36,278 $ 61,312 $ 1,314,005 100.0 % 80.9 % 11.7 % 2.7 % 4.7 % 100.0 %
(1) The Company has ceased writing homeowners policies in Florida.
(2) No individual state accounts for more than 5% of total direct premiums written.
C. Regulatory and Litigation Matters The Department of Insurance ("DOI") in each state in which the Company operates is responsible for conducting periodic financial and market conduct examinations of the Insurance Companies in their states. Market conduct examinations typically review compliance with insurance statutes and regulations with respect to rating, underwriting, claims handling, billing, and other practices. The following table presents a summary of current financial and market conduct examinations: State Exam Type Period Under Review Status AZ Market Conduct Jan 2012 to Dec 2012 Fieldwork completed. Awaiting final report.
During the course of and at the conclusion of these examinations, the examining
DOI generally reports findings to the Company. None of the findings reported to
date is expected to be material to the Company's financial position.
In May 2009, the Company filed for a 3.9% rate increase for its California
homeowners line of business. In May 2011, the matter was referred to an
administrative law judge for review. After extensive evidentiary hearings, the
administrative law judge delivered a proposed decision on the matter to the
California Insurance Commissioner in September 2012 that recommended a rate
reduction of approximately 5.5%. After initially rejecting the administrative
law judge's proposed decision and referring the matter back to the
administrative law judge to gather more evidence, the California Insurance
Commissioner recently accepted the administrative law judge's rate reduction
recommendation. The Company does not agree with the proposed rate decrease and
believes that recent homeowners loss trends support an increase. The Company
filed a complaint in Los Angeles Superior Court seeking review of the
administrative law judge's decision and requested a stay of implementation of
the rate order. The Company's request for a stay on implementation of the rate
order was denied, and the Company implemented the rate reduction in the second
quarter of 2013. A hearing to review the administrative law judge's decision is
scheduled for November 1, 2013.
In January 2013, the California DOI approved an auto body repair regulation intended to strengthen consumer protection. This regulation requires insurers to settle automobile insurance claims using repair standards described by the regulation and not by the insurers' own standards. The new ruling became effective in March 2013. The full extent of the impact is currently unknown, but it is likely to increase the cost of parts for automobile repairs.
In April 2010, the California DOI issued a Notice of Non-Compliance ("2010 NNC") to Mercury Insurance Company ("MIC"), Mercury Casualty Company ("MCC"), and California Automobile Insurance Company ("CAIC") based on a Report of Examination of the Rating and Underwriting Practices of these companies issued by the California DOI in February 2010. The 2010 NNC includes allegations of 35 instances of noncompliance with applicable California insurance law and seeks to require that each of MIC, MCC, and CAIC change its rating and underwriting practices to rectify the alleged noncompliance and may also seek monetary penalties. In April 2010, the Company submitted a Statement of Compliance and Notice of Defense to the 2010 NNC, in which it denied the allegations contained in the 2010 NNC and provided specific defenses to each allegation. The Company also requested a hearing in the event that the Statement of Compliance and Notice of Defense does not establish to the satisfaction of the California DOI that the alleged noncompliance does not exist, and the matters described in the 2010 NNC are not otherwise able to be resolved informally with the California DOI. However, no assurance can be given that efforts to resolve the 2010 NNC informally will be successful.
In March 2006, the California DOI issued an Amended Notice of Non-Compliance to a Notice of Non-Compliance originally issued in February 2004 (as amended, "2004 NNC") alleging that the Company charged rates in violation of the California Insurance Code, willfully permitted its agents to charge broker fees in violation of California law, and willfully misrepresented the actual price insurance consumers could expect to pay for insurance by the amount of a fee charged by the consumer's insurance broker. The California DOI seeks to impose a fine for each policy on which the Company allegedly permitted an agent to charge a broker fee and a penalty for each policy on which the Company allegedly used a misleading advertisement and to suspend certificates of authority for a period of one year. In January 2012, the administrative law judge bifurcated the 2004 NNC between (a) the California DOI's order to show cause, in which the California DOI asserts the false advertising allegations and accusation, and (b) the California DOI's notice of noncompliance, in which the California DOI asserts the unlawful rate allegations. In February 2012, the administrative law judge submitted a proposed decision dismissing the California DOI's 2004 NNC. In March 2012, the California Insurance Commissioner rejected the administrative law judge's proposed decision. The Company challenged the rejection in Los Angeles Superior Court ("Superior Court") in April 2012, and the California Insurance Commissioner filed a demurrer to the Company's petition. Following a hearing, the Superior Court sustained the California Insurance Commissioner's demurrer without leave to amend because it found the Company must first exhaust its administrative remedies. In January 2013, the Company appealed the Superior Court's decision. Following a hearing on April 23, 2013, the Court of Appeals affirmed the Superior Court's decision. On January 15, 2013, the administrative law judge heard various pending motions that had originally been filed by the Company in June 2011. The administrative law judge granted certain portions of the California DOI's motion for collateral estoppel to prevent the Company from litigating certain findings of fact reached in a prior litigation action and denied the Company's motion for governmental estoppel and laches, without prejudice, on the ground that a resolution of the motion
requires specific factual findings in the context of the evidentiary hearing.
The administrative law judge held an evidentiary hearing on the noncompliance
portion of the 2004 NNC during April 2013. A mediation is expected to occur
later in 2013. Should the mediation be unsuccessful, post-hearing and responsive
briefs will be filed by the Company and California DOI.
The Company denies the allegations in the 2004 and 2010 NNC matters, and believes that no monetary penalties are warranted, and the Company intends to defend itself against the allegations vigorously. The Company has been subject to fines and penalties by the California DOI in the past due to alleged violations of the California Insurance Code. The largest and most recent of these was settled in 2008 for $300,000. However, prior settlement amounts are not necessarily indicative of the potential results in the current notice of non-compliance matters. Based upon its understanding of the facts and the California Insurance Code, the Company does not expect that the ultimate resolution of the 2004 and 2010 NNC matters will be material to the Company's financial position. The Company has accrued a liability for the estimated cost to defend itself in the notice of non-compliance matters.
The Company is, from time to time, named as a defendant in various lawsuits or regulatory actions incidental to its insurance business. The majority of lawsuits brought against the Company relate to insurance claims that arise in the normal course of business and are reserved for through the reserving process. For a discussion of the Company's reserving methods, see the Company's Annual Report on Form 10-K for the year ended December 31, 2012.
The Company also establishes reserves for non-insurance claims related lawsuits, regulatory actions, and other contingencies when the Company believes a loss is probable and is able to estimate its potential exposure. For loss contingencies believed to be reasonably possible, the Company also discloses the nature of the loss contingency and an estimate of the possible loss, range of loss, or a statement that such an estimate cannot be made. While actual losses may differ from the amounts recorded and the ultimate outcome of the Company's pending actions is generally not yet determinable, the Company does not believe that the ultimate resolution of currently pending legal or regulatory proceedings, either individually or in the aggregate, will have a material adverse effect on its financial condition, results of operations, or cash flows.
In all cases, the Company vigorously defends itself unless a reasonable settlement appears appropriate. For a discussion of legal matters, see the Company's Annual Report on Form 10-K for the year ended December 31, 2012. D. Critical Accounting Policies and Estimates Reserves
Preparation of the Company's consolidated financial statements requires management's judgment and estimates. The most significant is the estimate of loss reserves. Estimating loss reserves is a difficult process as many factors can ultimately affect the final settlement of a claim and, therefore, the reserve that is required. Changes in the regulatory and legal environment, results of litigation, medical costs, the cost of repair materials, and labor rates, among other factors, can impact ultimate claim costs. In addition, time can be a critical part of reserving determinations since the longer the span between the incidence of a loss and the payment or settlement of a claim, the more variable the ultimate settlement amount could be. Accordingly, short-tail claims, such as property damage claims, tend to be more reasonably predictable than long-tail liability claims.
The Company also engages an independent actuarial consultant to review the Company's reserves and to provide the annual actuarial opinions required under state statutory accounting requirements. The Company does not rely on the actuarial consultant for GAAP reporting or periodic report disclosure purposes. The Company analyzes loss reserves quarterly primarily using the incurred loss, claim count development, and average severity methods described below. The Company also uses the paid loss development method to analyze loss adjustment expenses reserves as part of its reserve analysis. When deciding among methods to use, the Company evaluates the credibility of each method based on the maturity of the data available and the claims settlement practices for each particular line of business or coverage within a line of business. When establishing the reserve, the Company will generally analyze the results from all of the methods used rather than relying on a single method. While these methods are designed to determine the ultimate losses on claims under the Company's policies, there is inherent uncertainty in all actuarial models since they use historical data to project outcomes. The Company believes that the techniques it uses provide a reasonable basis in estimating loss reserves.
� The incurred loss development method analyzes historical incurred case loss (case reserves plus paid losses) development to estimate ultimate losses. The Company applies development factors against current case incurred losses by accident period to calculate ultimate expected losses. The Company believes that the incurred loss development method provides a reasonable basis for evaluating ultimate losses, particularly in the Company's larger, more established lines of business which have a long operating history.
� The average severity method analyzes historical loss payments and/or incurred losses divided by closed claims and/or total claims to calculate an estimated average cost per claim. From this, the expected ultimate average cost per claim can be estimated. The average severity method coupled with the claim count development method provides meaningful information regarding inflation and frequency trends that the Company believes is useful in establishing reserves. The
claim count development method analyzes historical claim count development to
estimate future incurred claim count development for current claims. The Company
applies these development factors against current claim counts by accident
period to calculate ultimate expected claim counts.
� The paid loss development method analyzes historical payment patterns to estimate the amount of losses yet to be paid. The Company uses this method for losses and loss adjustment expenses.
Both at June 30, 2013 and December 31, 2012, the Company recorded its point
estimate of $1.0 billion in losses and loss adjustment expenses liabilities
which include $391.3 million and $408.9 million, respectively, of incurred but
not reported ("IBNR") loss reserves. IBNR includes estimates, based upon past
experience, of ultimate developed costs, which may differ from case estimates,
unreported claims that occurred on or prior to June 30, 2013, and estimated
future payments for reopened claims. Management believes that the liability for
losses and loss adjustment expenses is adequate to cover the ultimate net cost
of losses and loss adjustment expenses incurred to date; however, since the
provisions are necessarily based upon estimates, the ultimate liability may be
more or less than such provisions.
The Company evaluates its reserves quarterly. When management determines that the estimated ultimate claim cost requires a decrease for previously reported accident years, favorable development occurs and a reduction in losses and loss adjustment expenses is reported in the current period. If the estimated ultimate claim cost requires an increase for previously reported accident years, unfavorable development occurs and an increase in losses and loss adjustment expenses is reported in the current period. For the six months ended June 30, 2013, the Company reported favorable development of approximately $3 million on the 2012 and prior accident years' losses and loss adjustment expenses reserves, which at December 31, 2012 totaled approximately $1.0 billion. The favorable development in 2013 came largely from the Company's operations in Florida and New Jersey.
For a further discussion of the Company's reserving methods, see the Company's Annual Report on Form 10-K for the year ended December 31, 2012. Premiums
The Company's insurance premiums are recognized as income ratably over the term of the policies and in proportion to the amount of insurance protection provided. Unearned premiums are carried as a liability on the consolidated balance sheets and are computed on a monthly pro-rata basis. The Company evaluates its unearned premiums periodically for premium deficiencies by comparing the sum of expected claim costs, unamortized acquisition costs, and maintenance costs partially offset by investment income to related unearned premiums. To the extent that any of the Company's lines of business become unprofitable, a premium deficiency reserve may be required. Investments
The Company's fixed maturity and equity investments are classified as "trading" and carried at fair value as required when applying the fair value option, with changes in fair value reflected in net realized investment gains or losses in the consolidated statements of operations. The majority of equity holdings, including non-redeemable fund preferred stocks, is actively traded on national exchanges or trading markets, and is valued at the last transaction price on the balance sheet dates.
Fair Value of Financial Instruments
Financial instruments recorded in the consolidated balance sheets include investments, receivables, interest rate swap agreements, accounts payable, equity contracts, and secured notes payable. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Due to their short-term maturity, the carrying values of receivables and accounts payable approximate their fair market values. All investments are carried on the consolidated balance sheets at fair value, as described in Note 3 of Condensed Notes to Consolidated Financial Statements. The Company's financial instruments include securities issued by the U.S. government and its agencies, securities issued by states and municipal governments and agencies, certain corporate and other debt securities, equity securities, and exchange traded funds. Approximately 98% of the fair value of financial instruments held at June 30, 2013 is based on observable market prices, observable market parameters, or is derived from such prices or parameters. The availability of observable market prices and pricing parameters can vary by financial instrument. Observable market prices and pricing parameters of a financial instrument, or a related financial instrument, are used to derive a price without requiring significant judgment. The Company may hold or acquire financial instruments that lack observable market prices or market parameters because they are less actively traded currently or in future periods. The fair value of such instruments is determined using techniques appropriate for each particular financial instrument. These techniques may involve some degree of judgment. The price transparency of the particular financial instrument will determine the degree of judgment involved in determining the fair value of the Company's
financial instruments. Price transparency is affected by a wide variety of factors, including, for example, the type of financial instrument, whether it is a new financial instrument and not yet established in the marketplace, and the characteristics particular to the transaction. Financial instruments for which actively quoted prices or pricing parameters are available or for which fair value is derived from actively quoted prices or pricing parameters will generally have a higher degree of price transparency. By contrast, financial instruments that are thinly traded or not quoted will generally have diminished price transparency. Even in normally active markets, the price transparency for actively quoted instruments may be reduced during periods of market dislocation. . . .


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2007 Freightliner SPRINTER 2500
Pomona, CA
2010 Peterbilt 387
Newnan, GA
2012 International 7300
Etna, OH
2014 Dodge RAM 5500HD
New Hampton, IA
2014 Dodge RAM 1500 PROMASTER
Doraville, GA
2009 International PROSTAR
Des Moines , IA
2006 Freightliner M2 106
Farmingdale, NY
2008 Freightliner CL12064S - COLUMBIA 120
Healdsburg, CA
1997 International 9100i
Ocala, FL
2010 Freightliner CASCADIA
Bolingbrook (Chicago), IL
Description: FULLY INSULATED, CARRIER INTEGRA 30S UNIT, 9,600# GVW PACKAGE, AM/FM STEREO, HI-BACK SEATS, 105 AMP ALTERNATOR, EXTRA COOLING PACKAGE, 31 GALLON FUEL TANK, REAR STEP BUMPER, CURBSIDE DOORS, FULL SERVICE RECORDSMore Information
Didn't find what you were looking for? Click here to request availability from our dealer network.
Sean Kilcarr comments on trends affecting the many different strata of the trucking industry.. Check back often for Sean's take on the trucking industry, in his award-winning blog, Trucks at Work.


text:
Last edited by jsmith89; 06-04-2012 at 21:41.
Bnc and need a job are decent
moar D&B, good release though, will bag
Check out my new Forward Vol. 2 mix (Deft, Stray, Calibre, Bad Company etc)
acid step is big
Damn.. Together in the dust is groovy. nicelycle killin it
Fucking nice. Icicle's dubstep is really sick.
> Outlook 2014 Mix Competition <
Click here to see it on Mixcloud
> MTA Summer 2014 Mix Competition <
Click here to see it on Mixcloud
How disappointing...would only draw for any of those once and not play it again...
Check out my latest below!
De:tune on Facebook
Yesyes! All big tunes, all getting bagged
First track sounds heavy!
together in the dust is big
I dunno.
It's great, nice and dark, and definitely the best side of dubstep, but for whatever reason it doesn't do much for me.


text:
By Brenden Peddigree
|Castillo was praised by DeMeco Ryans
after his firing for his energetic coaching style.
Juan Castillo was fired from his Defensive Coordinator job with the Eagles on October 16th, 2012 and less than four months later he helped a team hoist the Lombardi Trophy.
Castillo was the first scapegoat of the 2012 season that was a nightmare for Eagles fans and the last season Andy Reid had with the team that hired the unknown quarterback coach from Green Bay 14 years earlier. During the open week that the Ravens and 49ers had between their championship wins and their Super Bowl match John Harbaugh, another former Eagles assistant, hired Juan Castillo under the title of "run game consultant" for the Baltimore Ravens.
"I won the lottery," Castillo said to reporters during a media session before the Super Bowl. When Castillo was fired, the Eagles were 3-3 with two consecutive losses but had held opponents to a 20.8 points per game average. The problem was not the defense but someone had to take the fall for the poor start the Eagles got off to. Castillo, whose coaching had been questioned since 2011, was first on the chopping block.
The decision was not purely Reid's although he took the main responsibility for it. Castillo holds no grudges against his coach and made the fact clear that he loves Reid. "What was hard," Castillo said "was that I wasn't there to help somebody I respect and love fight for his job."
The Super Bowl Champion told media members that Reid reached out to him to join his staff in Kansas City at some capacity in 2013 that Castillo did not define. Castillo declined and instead decided to pursue his "lottery" opportunity with the Ravens on a Super Bowl run.
Castillo likened his duties with the Ravens to what he did with the Eagles before he was a defensive coordinator. As an offensive line coach a lot of the techniques and designs came from running plays so Castillo had to be familiar with what Ted Williams, the Eagles running backs coach at the time (now tight ends coach), had in the game plan. Speculation during media week talked about Castillo joining the Ravens in a more formal position for 2013, possibly the running game coordinator.
Entering 2011 with a defensive line coach who left the linebackers and secondary out to dry in order to record a few sacks and a group of selfish, non-physical defenders added to an almost entirely new staff on the defensive side of the ball, Castillo was set up for failure. Even still, Castillo led a defense that was more than manageable for the Eagles to make a run. With a turnover machine at quarterback and a questionable playcalling method, the Eagles had no right being in the playoffs despite winning the final four games. He was used as the scapegoat in October 2012 for a team with high hopes that looked to be falling in a downward spiral.
Harbaugh knew that Castillo was a good coach though and didn't let his situation in Philadelphia in 2011 and 2012 define his career. The Ravens head coach gave Castillo the chance to join a team on a Super Bowl quest and Castillo took the job without question. From fired at 3-3 to wearing some shiny new bling, Castillo had one of the most interesting seasons in 2012 that an NFL coach has ever had.
Follow Brenden on Twitter @BrendenP2011 and check out more of his work on GCobb.com.


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Bobby's / Kate Spade | Saul Bass via Mary & Mat | Ascot Friday | Katie Armour | FN
Posted on March 08, 2013 in Inspiration | Permalink
Comments (3)
1 • Douglas & Bec | 2 • Ma & Chr | 3 • Ferm Living | 4 • Godard via Tribe | 5 • Ashley G
Posted on January 28, 2013 in Inspiration | Permalink
Comments (9)
Summer of 39 fr. Swapatorium // Shana Frase Print // 4 Bears via The Highs
Posted on August 15, 2012 in Inspiration | Permalink
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For me, my friend Moorea started it all. Gold with a dark color-- she was ahead of the game and I didn't get it... then, I FINALLY DID :) I used gold instead of silver (for the first time) when Julie from Olivine and I started working together last year. She wanted "gold glitter and color". Now, on our 5th project together (she's moguling it up), Gold remains the constant in her websites and I'm really enjoying this new-to-me color!
I even wear a gold ring now and am starting to prefer it to silver. Paired with a dark color, it's brings out the depth & sparkle and damn, I feel like a woman. WOO.
Thanks Moorea and Julie! :)
One/ Apollo on Modern Met and Little Doodles
Two/ Helford Horse 22x64 inch and Deforest Wedding
Three/ 1930's Carnival Midway "Venice" Sign
Four/ Tiny Origami Golden Crane and Spanish Moss Pumps
Five/ Miles Aldridge: Bold Gold and Eames Side Chair Golden
Six/ Gold Zag Tray (Limited Edition) and Neon Geometric Square Ring
Seven/ Look at Me Now Print and J.Crew Spring 2011 Lookbook
Eight/ Gold Helmet and Little Miss Sunshine redo
Posted on April 23, 2012 in Color, Inspiration | Permalink
Comments (21)
My best friend Kyla and I recently discovered Lost Type and we're obsessed. I ordered a t-shirt too ;)
Lost Type is a pay-what-you-want Font Co-Op and it's really fresh! 100% of funds from font sales go directly to the designer who created the fonts and there are some amazing options to choose from! These are my faves (click images for source)...
Check out the Lost Type blog too, it's a good one.
Posted on April 03, 2012 in Design, Inspiration | Permalink
Comments (15)
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