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About A.P.A.C.
Clown Town
To purchase the Online Classes
or the
Red Nose Revue DVD
Please scroll down the page for the order form
Click on the Add to Cart Button for your choice
You will be linked to Paypal, a free third party internet payment provider (part of Ebay) where you may purchase the class / classes of your choice, we will then email you your passcode upon notification from Paypal that payment has been made.
The Red Nose Revue
20 Classic Clown Skits
Performed by:
Flutter Ficklebottom, Freckles, Strutter
and their Friends
This production was filmed before an audience and features many of the classic clown skit routines such as Stagecoach, Busy Bee, Hamburger Stand, Tightrope Walker, Telephone and many, many others.
Children love this show they really enjoy
the bright colors and the action!
If you have wanted a reference collection of skits, then this is the one tape you you need to get.
To order this wonderful DVD, scroll down to the lower part of the order form below.
On Line Courses
A $5.00 set up/handling fee will be added to all courses
Red Nose Revue DVD
Please make sure of the material you order, Like a Magic trick, once you access the material, no refunds will be given.


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March 31, 2003
Edison-- Friday night, Robert Kendrick shot five people, including his five-year-old twins. He then killed himself.
Authorities say Robert Kendrick shot his wife, stepson, his five year old twins and a neighbor and then, committed suicide. Kendrick's wife, Barbara and stepson, Craig Jones are listed in satisfactory condition in an Alabama Hospital. But twins, Miranda and Randall died.
People we talked to say Robert Kendrick had a history of alcoholism and abuse, which may have caused him to lose control.
Barbara Kendrick's niece, Tara Hollman, says "Barbara and Robert had problems before. Her kids and her have had to stay at my house some nights. He had even told her he would do something like this."
Tara Hollman is Barbara Kendrick's niece. She rode with her to the hospital on Friday.
Hollman adds, "When we left for the hospital, she was very alert. She seemed to be doing just fine."
Alaina Spann remembers seeing the happy twins, when she picked her child up from school, and she says they will be missed. "They were so happy and wonderful. I have not told my child yet. It is going to be so tough."
Many people say Miranda and Randall were wonderful children who brought joy to many lives. Now this community says their absence will forever be felt.
Robert Kendrick was a custodian at the Post Office in Edison.
posted at 4:45PM by firstname.lastname@example.com
P.O. Box 3130
Albany, GA 31706
(229) 446-1010
FCC Public File
(229) 446-4005
EEO Report
Closed Captioning

subset: commoncrawl


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DC Hypertime is the initial release of the DC Heroclix miniature line. It features some of DC Comics most popular heroes & villians like Superman, The Flash, and The Joker. Also look out for cool versions of figures like Batman from the Dark Knight Returns.
Key Unique Figures: Batman, Catwoman, Darkseid, Flash, Joker, Superman
The eight figures you get in a DC HeroClix: Hypertime Starter Set won't be enough, so pick up these Booster Packs. Each pack contains four more randomly assorted figures of your favorite DC characters. Like Mage Knight, DC HeroClix will be supported by an in-store play program including free prize support.
We pride ourselves on selling clean, unsearched packs that come to you straight from untampered boxes. When you buy a pack from us, buy with confidence!


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Kicking off the stakes action on Independence Day weekend at Belmont Park was the $250,000 Mother Goose Stakes (G1), the second leg of the New York Triple Tiara. Acorn winner and 3-1 second choice Bushfire stalked the early pace of Teammate through 3/4 in 1:11.11, then took over the lead mid-stretch and held off the late-running Pine Island to win by 3/4 length in a time of 1:49.86 for the 9 furlong trip. It was 1/2 a length back to 7-2 Ready to Please in third. Pacesetter Teammate faded to fifth. Despite winning the first two legs of the Tiara, trainer Eddie Kenneally might skip the Coaching Club American Oaks, preferring to give Bushfire a rest until Saratoga.
Results chart from DRF


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New Orleans Saints running back Chris Ivory has finally made an impact in 2012. In the first half of Monday night's game against the Philadelphia Eagles, Ivory looked as explosive as he has since his lisfranc injury, rushing for 39 yards and a touchdown on just three carries.
Darren Sproles recently had surgery to repair his injured hand, opening the door for Ivory and Mark Ingram to get more snaps. Both are having their best games of the season.
Fantasy Impact: Ivory is a very talented running back, but has spent many games in 2012 on the inactive list.
He's worth adding in deeper leagues with Sproles out of the picture. It's tough to ignore Ivory's talent.
For more fantasy info, head over to the SB Nation Fantasy War Room 4-8:30 p.m. ET Monday through Thursday and 8 a.m. to 1 p.m. ET on Sunday. Check out SB Nation's own Fantasy Football game, Pick 6!


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08-15-2013 Ethan Hawke Role?
03-24-2013 UPDATED March Media New Photo
03-13-2013 March Media New Photo
02-14-2013 The newest "Man of Steel" image looks SUPER!
02-13-2013 No new trailer until April but… New "media" in March!
12-11-2012 New Trailer for Man of Steel. Let the media blitz begin!
|12-09-2012 Thanos, go back to your corner… The real Darkseid is standing up!


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I was hopping around the internet this afternoon while enjoying a cup of coffee and I landed on the Feeling Stitchy blog, as I frequently do when I'm looking for cool needlework happenings. And this Year of the Dragon design over there and totally jumped off the page at me….
And it's a free cross stitch pattern! (available on Y small's gallery) I just downloaded it myself and I'm adding it to my 2012 to-stitch list!
Happy Stitching!
|US $5.50 (0 Bid)
End Date: Wednesday Aug-27-2014 7:20:40 PDT
Buy It Now for only: US $7.25
Bid now | Buy it now | Add to watch list


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Routes Sorted
L to R R to L Alpha
Answered Prayers is a really cool route, and a good one to get used to placing small gear at a moderate grade. After scrambling up to the "head wall", get in some gear and then pull through the bulging wall above. A lack of footholds makes this an interesting proposition. Once above the bulge, you're in a nice dihedral. Stem and jam your way to the top. The upper dihedral is a little sparse on gear, so make sure you get a couple good pieces in the clean crack before you launch into the last half of the dihedral. Also, work all the options, and look out to the left arete for good holds.
This route is just right of Sparky and the Firedog. It starts just right of the big clearing in the center of the wall (where routes like Morning's Mourning and Orange Out Direct are located). Climb up next to a big tree that's growing into the rock about ten feet off the ground. This is the right route that goes through the bulging wall.
This pitch has a lot of small gear in between beefier placements. Small/ medium wires and small cams a must. Doubles from #.3 through #2 Camalot.


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Videos > Regina Ice > Devil lesbos Regina Ice and friend enjoys a toy dildo sex
Club Sandy Visit our site to see exclusive HD videos featuring Sandy (aka Vega Vixen) and other euro hotties. These blistering chicks promise to help you shoot your load all over the shot!
Featured Pornstars:


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Reasons to remain at your current job
When it comes to recruiting and changing jobs, Robert J. Gerberg is the person that could give you useful advices. Robert J. Gerberg Jr. is a specialist when it comes to recruiting and headhunting and his experience as a manager of a well-known company in this field and also as the author of some impressive book about the subject are recognized around the world. Here are a few advices of Robert J. Gerberg that might convince you to remain at your current job.
Robert J. Gerberg Jr. advices all the employees that want to change their jobs to consider those aspects carefully. Especially during those times of recession, changing your job for a few dollars more is not necessarily the best idea.
For example, your company might have a good name on the market, and it would be a good idea to stay for a few years there. This way, you can later aim for smaller companies that are interested about those types of employees, and you might even be hired on a management position.
Even if your salary is small at the moment, if you consider you have a lot to learn from the respective job, it is better to wait. It will contribute to your professional development, and you will be able to take a huge step in your career later. A good relationship with your colleagues is also another strong consideration. Usually, the large companies that pay better are characterized by a competitive environment where the people around you are not your friends. If you are currently working in a company where the collective is considered a family, maybe you should not renounce your friends, unless a big company has a really great offer for you.
It is important to determine what you really expect from yourself on a professional level. Some people realize after years that they are not suited for the working area they have chosen, but then it is too late for them. Robert J. Gerberg advices those people to have the courage to change their workplace and even the field of activity, as the satisfaction of work is sometimes more important than the salary. Consider this move carefully and don't take this decision rushed by the circumstances. It is better to wait a month or two on a smaller salary instead of taking a decision that you might regret for the years to come.


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Though they enter Saturday night's SEC Championship Game as nearly two touchdown underdogs, the No. 12 Georgia Bulldogs are confident that sophomore quarterback Aaron Murray can lead them to a win over the No. 1 LSU Tigers, writes Chip Towers of the Atlanta Journal-Constitution.
"Murray is obviously one of the best quarterbacks in the country," Bulldogs center Ben Jones said.. "To have him under center is great because it always gives us a chance to win. It just shows how important it is for us to do a good job on the front five, just to keep him upright and give him clear lanes. I feel like if he has time and opportunities to do what he does, we'll have a great chance to win."
Murray completed 202-of-331 pass attempts for 2,698 yards and a school-record 32 touchdowns this season. Murray also leads the SEC in passing efficiency (155.4), but will be tested by an LSU defense that ranks in the Top 10 in every major statistical category.
For more on this game, keep up with our 2011 SEC Championship StoryStream and SB Nation Atlanta's LSU Vs. Georgia StoryStream. Also, be sure to check out our Georgia blog Dawg Sports and LSU blog And The Valley Shook. Head over to SB Nation NCAA Football and the 2011 Conference Championship Games section for more on Championship Weekend.


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What do you know about the death of Miles Dewey Davis III (May 26, 1926 - September 28, 1991), the American jazz musician widely considered to be one of the most influential of the 20th century?
tk10publ tk10canl
Evi is our best selling mobile app that can answer questions about local knowledge, weather, books, music, films, people and places, recipe ideas, shopping and much more. Over the next few months we will be adding all of Evi's power to this site.
Until then, to experience all of the power of Evi you can download Evi for free on iOS, Android and Kindle Fire.


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RSO Re-Registration for 2014-15 begins Monday, April 7th via GoRSO
Register for Emerging Leaders @ Fall Welcome via GoRSO
From I-94 Westbound
At exit #74, turn north onto U.S. 131, go 2.8 miles, follow the directions listed below for U.S. 131.
From U.S. 131
The Seibert Administration Building is located on the left at the top of the hill; the Bernhard Center is located on the right directly across the street from the Seibert Administration Building. Metered parking is just beyond the Bernhard Center. Kanley Memorial Chapel is just beyond Seibert and Bernhard on the left side of the employee parking lot.


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Last Saturday, Shawn Reeves of EnergyTeachers.org came over to Shira and Ari's house to give a workshop on how to make a solar panel cooker using recycled materials. Visit the Shirari blog for photos and info on how to make your own!
Tag Archives: Events
Freeskool, Meet Swidjit
A letter from Swidjit founder, Alex Colket.
Hi Freeskoolers-
I hope your studies have been going well this semester, that you have all learned something from each other and hopefully a thing or two about each other as well :) I think what you all have going on here is one of the most beautiful things in Ithaca and I always tell people about it when I boast about the awesome place we live! However, I am a bit ashamed to admit that I have not attended class this semester, as I have been a bit obsessed with something else that I would like to
discuss with you today. It's called Swidjit, and if you like to share or build community, I think you will like it.
Publicly, I often frame Swidjit as a platform for a local economy because that seems like a message that will resonate in this current economic climate. However, in my head and in my heart, I see it just as much as a platform for a collaborative community, a suite of tools to allow friends, neighbors and groups to share, network and organize in ways that provide easier access to local information and opportunities. Freeskool is a great example of the possibilities inherent in such a system of community sharing, as the number of useful skills or interesting experiences you can have on others generosity seems to grow each semester. Swidjit respects and embraces Freeskool and hopes to support and encourage it in many ways. For instance, I think it would be great if teachers/students had the option of creating a class community on Swidjit and using it to organize class meeting times, provide links to other useful resources, share relevant media files, host discussion topics, post notices, etc. It would be a way to easily supplement the hands-on, person-to-person teaching/learning/sharing nature of the freeskool with a virtual
collection of pertinent resources and a place to connect when not in class, for those who wished to take part in it. I believe that the Swidjit platform coming this spring is going to provide a lot of exciting opportunities to give and share and trade and connect with others around us and I hope that many of you organizing or instructing or attending Freeskool will share some of that energy with Swidjit and work with me to build another amazing community resource!
You can check out the Ithaca Freeskool page on Swidjit and see how they are already integrated. Classes appear on the public calendar, and viewing the Freeskool profile page will show you all the upcoming classes that are offered. You can even set an event reminder to have Swidjit send you an email the before to help you remember to attend. You can also use the calendar to find out about other community events or perhaps to discover other items related to the classes you are investigating. Much more will come down the road as I improve the platform.
Please feel free to contact me through the site to share ideas, feedback or questions.
Alex Colket
Video: Ithaca Freeskool at Ithaca Ignite
Ignite Ithaca is a "high-energy evening of 5-minute talks by people who have an idea – and the guts to get onstage and share it with their hometown crowd." Lily Gershon did a jam-packed presentation on Freeskool on November 6, 2010 at the Pixel Lounge.
Video: Crafting Herbal Formulas for Individual Constitutions with 7Song – Ithaca Freeskool Distance Learning
Missed a class? Loved a workshop so much that you want to relive it? As part of D.I.Y. Movie-Making, we're filming other Ithaca Freeskool classes and making them available online for anyone who wants to participate.
Part I of a 3-hour class taught by 7Song, Director of the Northeast School of Botanical Medicine on April 3, 2010. Learn how to treat common illnesses with local plants, for free!
Video: Juggle, Spin, Hoop with Lily and Tori – Ithaca Freeskool Distance Learning
Missed a class? Loved a workshop so much that you want to relive it? As part of D.I.Y. Movie-Making, we're filming other Ithaca Freeskool classes and making them available online for anyone who wants to participate.
Learn how to start a D.I.Y. circus with Tori and Lily who taught us how to make hula hoops, poi fire spinners and juggling balls on June 11, 2010.
New summer class: d.i.t. (do it together) sustainability
Hi Freeskoolers, here's info on a brand new class being offered right now, a new addition to the calendar. Check it out, and spread the word!
d.i.t. (do it together) sustainability
facilitator: danny, firstname.lastname@example.com
where: various locations, meet at tompkins county main library in ithaca
when: fridays at 5:20 (beginning immediately)
course description:
we have the power to be what we need to survive these repressive times. but we cant do it alone, we can share our skills and knowledge about what we all can do to avoid spending all of our money at malls and expensive stores. i've facilitated this class in portland, oregon with wonderful success! if you are interested in engineering and designing sustainable systems (wtf?) its not as hard as it sounds. choose the opportunity and ability to be creative, similar to tjhe ways that our ancestors have for countless centuries. sustainability can be defined as many things; it is the ability to take control of our lives, ensuring the continuation of a healthy ecosystem. while we grow the future. bring vegan snacks please.
TIME CHANGE: Literary Gathering/Talking- Reading-Writing-&-Eating- Party!
Hi all, we hope you're excited about the upcoming Freeskool session, beginning June 1st! Click here for class descriptions. The following class has had a time change:
Literary Gathering/Talking- Reading-Writing-&-Eating- Party!
Facilitator: Emily Rand (781)-608-4388
Location: 137 Fayette st. #1 in Ithaca!
NOTE CHANGE: Date/ Time: Thursday, June 3rd 9 p.m.
A time and place to enjoy words and sentences and poems and stories and songs and plays and each others' brains and cooking. Bring something you love that you read (from your favorite book, maybe, or the wall of a public bathroom– you don't have to bring the wall, just the words that were on it)! Bring your latest verbal creation to share! Bring an idea for a writing exercise or game we can do together! Bring a little piece of feast! Bring one of those things or some of them or all of them. I'll try to bring at least one of each, probably more. We're all of us and each of us the teacher.
Ithaca Freeskool: We Are All Teachers
Wondering what it's like to be a part of Ithaca Freeskool? Check out this ten-minute video and don't forget to submit your spring/summer class proposals by May 1st!
Winter Sing-a-Long Saturday Feb. 6 7pm!
Do you like singing with friends?! I've got seven binders full of guitar chords – Tom Petty, Mirah, Cat Stevens, Gillian Welch, David Bowie, Devendra Banhart and more. Come with your voice and any instruments you want. You can also bring your own lyrics and chords to share (1 copy is fine).
Vegan snacks and drinks welcome!
Winter Sing-a-Long
Saturday, February 6, 7-10pm
Jamboree House
212 N. Plain St. #1, Ithaca, NY
RSVP appreciated: firstname.lastname@example.com or Facebook
Video: Mushroom Hunt and Identification with Carl Whittaker – Ithaca Freeskool Distance Learning
Missed a class? Loved a workshop so much that you want to relive it? As part of D.I.Y. Movie-Making, we're filming other Ithaca Freeskool classes and making them available online for anyone who wants to participate.
Renowned local fungi expert Carl Whittaker led a Mushroom Hunt and Identification on August 30th, 2009. Enjoy the beauties of the Danby State Forest while learning about many species of edible and inedible mushrooms.
Check out photos from the class on Flickr.


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Definition: 'Impression Tray'
impression trayType: Term
1. a receptacle used to carry and confine plastic impression material when making an impression of oral structures.
The information shown above for impression tray is provided by Stedman's.
* Stedman's, part of Lippincott Williams & Wilkins, provide a comprehensive line of health-science publications for healthcare professionals and medical students.
Medical Dictionary Copyright © 2006 Lippincott Williams & Wilkins. All rights reserved.


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20 Unbelievably Ridiculous Stories From Local News
Journalism is a bit of a lost art form these days, isn't it?
Journalism is a bit of a lost art form these days, isn't it?
My girl vida with some local afghani guys atop a mountain.
I'm heading to the market to pick up some... pepsi.
Please dont buy me any gifts from this florist....
Finally cops doing something worthwhile
When entertaining guests a nice bottle of Shiraz only goes so far. To make...
No matter how many lives they save or people they beat, they get no respect...
No one likes a dull bartender, you want the ones with flair.
A news article about a local child winning a gun
In This Picture: Photo of kid under dad's shirt
I don't want to be a downer, but maybe give him a trial, first.
A Pierced-up teenager has a tattoo with a bloody skeleton on it
When You See It...
Really? It writes itself.
Tanga local name for passengers which is commonly used in suburb of Peshawa...
he is from village wear traditional cloth


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Sports: Thurs. 10-18-2012
POSTED: 06:00 PM MDT Oct 18, 2012 UPDATED: 10:55 PM MDT Oct 18, 2012
ABC-7 Anchor Paul Cicala gives you a complete roundup of sports in the El Paso/Juarez/Las Cruces area. -Lots of high school football! Franklin Beats Americas. Jefferson knocks off Irvin. Las Cruces rolls over Alamogordo
Copyright 2014 KVIA. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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I'm going to break my rule about linking to Eklund. KingsCast at HFBoards broke this story, I'm passing it on to you.
Eklund posted today (screenshot for posterity):
Here's a link to a .pdf of Eklund's page, in case his site mysteriously changes soon. His unnammed LA source is actually Kings beat writer Rich Hammond, who wrote:
"The names? Anaheim's Mathieu Schneider is one the Kings are seriously considering. Other names under consideration would be San Jose's Kyle McLaren, Florida's Karlis Skrastins, Nashville's Greg de Vries, St. Louis' Jay McKee and Pittsburgh's Darryl Sydor. There's one more name out there that might surface as a real option in the next couple days, but as always these talks are pretty fluid."
In the comments on Hammond's blog, the following exchange took place:
gary said:
Congrats on being a hockeybuzz source!!!!
[eklund link]
hahaha... sold your soul to the devil did ya Rich?
Rich Hammond said:
Wow, you've got to be kidding me. That's just completely shameless on his part.
To summarize, Eklund would rather type "an LA source" than "Rich Hammond" and would rather plagiarise another hockey writer than toss someone a link. You can read what other people wrote for only $10 a month over at Hockeybuzz.com!
Eklund offered an explanation for why the post disappeared in the middle of the night:
I was obviously largely offline from around 5pm on, as a very serious family situation kept me from even seeing the error until a few minutes ago.
Unfortunately Kukla isn't buying it:
Hmmm, but it must have not been too serious, since he was at HF Boards at 6:30pm last night (catch the link early, the time/date will change on his next visit).
Now with image!
Thanks to colonel_korn for the tip.


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Meerkats are highly social mammals that form packs of between 10 and 30 individuals consisting of several breeding pairs. The individuals in a meerkat pack forage together during daylight hours. While some members of the pack feed, one or more members of the pack stand sentry.
Images 1-12 of 12
|Meerkats On the Lookout
|Meerkat Pair
|Meerkat Portrait
|Meerkat Pack
|Meerkat Family
|Meerkat Backward Glance
|Meerkat Portrait
|Meerkat Trio
|Meerkat at Attention
|Watchful Meerkat
|Meerkat Portrait
- Graphic Index
- Text Index


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Want to make a Red Sox fan cringe? Mention the last three-fifths of the 2011 rotation. Jon Lester and Josh Beckett were doing good work at the top, combining for a 3.32 ERA over nearly 400 innings, but the other three spots in the rotation just couldn't put together anything resembling competence.
Clay Buchholz was productive, but thanks to what was thought to be a muscle strain and turned out to be a stress fracture in his spine, the righty threw just 82 innings. His fastball never reached the heights it had in 2010, and he was both inconsistent and uncomfortable on the mound before finally landing on the disabled list. Despite this, he still put up a 3.48 ERA and had a better K/BB ratio than in 2010 -- there just wasn't enough of it to make up for what his replacements did.
John Lackey had one of the worst seasons in Red Sox history. He had his excuses -- Lackey underwent Tommy John surgery this off-season, and had a cortisone shot for his elbow back in May -- but those frames can't be erased from the box scores. Tim Wakefield was once again below replacement level for the Red Sox, and also fourth on the team in innings despite starting the year as a long reliever. Daisuke Matsuzaka also ended up going under the knife for Tommy John, but not before exploding in a way that would make supernovae jealous.
Andrew Miller went 6-3 in 2011, but that's a testament to the Red Sox' offense, not his 5.54 ERA and 41 walks in 65 innings. Kyle Weiland had stretches of effectiveness, but generally was a punching bag for his major league opponents after a strong season in Triple-A. Erik Bedard was solid after being acquired at the trade deadline, but took the mound just eight times comprising 38 innings.
This group combined for a 5.66 ERA and 6.38 Run Average over 480 innings pitched. That's basically half the frames the Red Sox got out of their starting pitching for the season, and while that might have cut it for the Rockies more than a decade ago, it's not helping anyone in today's game, where the average ERA is 3.94. The rotation's weaknesses were especially evident in September, when the Red Sox went 7-20 with a 7.08 ERA from starters.
That being said, the 2011 Red Sox missed the playoffs by one game. They were eliminated on the last day of the season, despite more than half of their rotation looking unworthy of their job for even the worst of teams. The shock of September has made it feel like Boston needed to go in to this winter paying whatever price necessary to shore up their rotation, but they haven't -- and probably don't need to.
Buchholz is returning, and was ready to return before the 2011 season ended. Baseball Prospectus's Corey Dawkins, an athletic trainer and sports injury analyst, tells us that, "True stress fractures of the back rarely recur because of an increased focus on mechanics and muscular balance." As Buchholz threw 191 and 177 innings in the two campaigns prior to the stress fracture, that's a potentially huge boost for Boston.
That leaves two rotation spots. One is likely to be filled by Daniel Bard, who was at first expected to take over for the departed Jonathan Papelbon as the closer. Boston's trades for Andrew Bailey and Mark Melancon have given them the weapons they need for Bard to get the shot in the rotation he wants, though. Converting a reliever to start is a risk, but Bard was drafted as a starter, and his failures in that role were brief and likely due to the Red Sox changing his mechanics. The mechanics he uses so successfully in relief are the ones that got him drafted in the first place; for all intents and purposes, this is Bard's first professional trial as a starter.
He has the pitches -- a devastating fastball and slider combination, and his change-up, while rarely used, induces plenty of swings-and-misses -- but no one knows if he has the stamina yet. That's a question that will only be answered by throwing him in the role. It's likely, though not guaranteed, given what we know about converting relievers to starters, that Bard is going to be a success for Boston. It's certainly worth the risk of trying.
The last spot has been more of a question, with the Red Sox signing seemingly anyone they could to fill it. Aaron Cook, Carlos Silva, and Vicente Padilla were all brought on board, Andrew Miller was re-signed, and even Triple-A starter Alex Wilson is getting a crack at it this spring. Alfredo Aceves, so important out of the pen last year, might also have a shot.
Cook has dealt with injuries the past few years, but it's been something of a series of unfortunate events for him -- weight loss, a leg broken by a line drive that interrupted off-season workouts, broken fingers in the spring. The cycle just might have ended this winter, as he isn't recovering from anything for once. When healthy, Cook has been an above-average starter despite Coors Field, thanks to extreme groundball tendencies and above-average control.
Padilla missed almost all of 2011 thanks to neck surgery, but spent the winter throwing at his old low-to-mid 90s velocity. He's likely destined for a bullpen role, but should Cook be struck by lightning on a sunny day, or Bard not work out, Padilla is capable of starting; more capable, in fact, than the horseless cavalry Boston trotted out in 2011. Silva throws strikes, and while he would be something like replacement level depth, that's still likely better than what Wakefield and Co. were able to do in 2011. He's also further back on the depth chart than Wakefield was, as he's not guaranteed a job on Opening Day. Matsuzaka will be back as additional depth this summer, and with a brand new UCL in tow.
The Red Sox could use Roy Oswalt in the rotation. But not getting him doesn't signal the end of the 2012 season before it even begins, thanks to the depth they have built up to, at the least, avoid another 2011 situation. New general manager Ben Cherington believes a roster evolves, and if the need arises, Boston will evolve through trades. Until then, though, this iteration of the rotation might do it. Given how terrible the pitching was last year, simply signing competence is a huge upgrade, and they've done that.


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ST. ELMO — Gov. Pat Quinn announced that Pinnacle Foods Inc., a leading grocery manufacturer, will expand its plant in Fayette County and double its workforce in the first half of 2015. The company plans to add about 90 jobs at the location, where it will spend more than $40 million to buy equipment and make other improvements to bring the production of its salad dressings in-house.
"This decision by Pinnacle is a tremendous show of support for Fayette County and Illinois," Quinn said. "The company understands that being in Illinois makes all the difference in its business plan. Pinnacle can tap into our state's qualified labor force, unparalleled expertise in manufacturing, and location at the center of North American commerce."
The St. Elmo plant employs 85 people and manufactures Pinnacle's Mrs. Butterworth's and Log Cabin syrup brands and Open Pit barbecue sauces. With the expansion, it will add the Wish-Bone and Western salad dressing labels, both acquired from Unilever in Oct. 2013. Pinnacle identified St. Elmo as the best location for the integration, given its geographic location and proven expertise in liquid filling and processing.


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Do phones NEED better hardware than they currently have?
I'm wondering whether we've hit a point of diminishing returns with mobile hardware? By this I mean processors and ram, not cameras and speakers etc.
The way that an S2 works almost as quickly as an S3 makes me think that further upgrades are getting increasingly more pointless, and I wonder whether it is now a question of optimising and tweaking software?
Or is it just a case of manufacturers pushing out phones with higher specs as a marketing thing?
Windows Phone and BB10 seem to work pretty well on dual-cores, and on 512 ram for WP.
Of course I'm not saying no more evolution of mobile hardware, but a mobile phone by definition will have a screen small enough that allows it to mobile and therefore not be able to facilitate a lot of working. The split screen thing on some phones also seems to me a little pointless considering phone screens are relatively small anyway.
I kind of feel that until we have massively new technologies incorporated in phones, (I dunno, holograms projection or something insane) the way phones are now, they're perfectly fine with the technology we currently have. Please, though, correct me if I'm wrong
(I do realise that with better cameras and screens etc, more powerful processors are necessary, but seriously octa core seems overkill!)


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For most of his career Tim Jennings has been a favorite whipping boy for Colts fans. It seemed that any and all problems with the secondary can be attributed to TJ. If the Colts gave up a big play, it must have been TJ's fault. If the Colts lost a game it must have been TJ's fault, hell if we could we would blame this guy for all the worlds' problems.
He has been burnt and has given up some big plays, he has been picked on by opposing QB's, there is no arguing that, but he's a CB and those guys get burnt and give up big plays, it happens it's part of being on the island that is an NFL CB. Champ Bailey, Darrel Green, Ronny Lott, all are considered great shutdown corners, and all of them have been burnt and given up long TD's it's part of the job.
This year, Tim is quietly having a good year. He has been playing quite a bit and playing well. He is second on the team with 22 tackles and first on the team with 3 passes defended, and hasn't given up many big plays. As injuries in the secondary mount, the coaches call on him as the next man up, and he keeps responding by playing solid football.
He was drafted by the colts in the 2nd round of the 2006 draft, he has battled injuries during the early part of his career, and that might have stunted his development. He struggled last year, but seems to have learned a lot from those struggles and is now playing good football. The only thing left is for the hard core Colts fans to recognize that he is no longer the goat and is now playing like a 2nd round draft pick. So Colts fans, give this guy some love.


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Category: Palm Beach
Burt Reynolds to publish second memoir in fall 2015
- 12:28 pm Wednesday, July 2nd, 2014 by Leslie Gray Streeter
Burt Reynolds, our movie star next door, is set to release a so-called tell-all memoir, titled "But Enough About Me," in fall 2015 with publishing house G.P. Putnam's Sons. This is The Bandit's second memoir – the first, "My Life," was released in 1994, proving that even 20 years later, there is actually not enough about Burt Reynolds.
The new one, which will reportedly include a foreword by Burt's "Deliverance" co-star Jon Voight, promises to take readers from his Florida teen years through his movies, his famous romances including those with Dinah Shore and Sally Field, the friendships with legendary fellow [More]
Four reasons to see my friend Sandy Stewart and son Bill Charlap at the Royal Room this weekend
- 10:05 am Friday, April 18th, 2014 by Leslie Gray Streeter
Full disclosure: Sandy Stewart, in the middle of her triumphant return to Palm Beach's Royal Room cabaret along with genius pianist son Bill Charlap, is a friend of mine. We met maybe a year and a half ago when I interview her for the Palm Beach Post at her Manalapan home, and then kept in touch through the writing of the story and after. She's not only a deeply talented singer, but a survivor and a mensch. We caught her show, which runs till tomorrow. Here's why you should check it out:
- Sad songs say so much: Stewart's been noted [More]
Dennis Edwards and The Temptations Review raise money for music education tonight
- 9:52 am Friday, March 28th, 2014 by Leslie Gray Streeter
Dennis Edwards wasn't technically an original Temptation, but he has been associated with Motown's (arguably) premiere hitmakers since 1968, when he was tapped to replace troubled legend David Ruffin (his debut was fictionalized in the classic and awesome "Ain't nobody here to see you, Otis" scene in that "The Temptations" miniseries), And he's the voice of "Cloud Nine," "Can't Get Next To You" and "Papa Was A Rolling Stone."
Now the man and the voice will raise money for the Nat King Cole Generation Hope Foundation, run by the legendary singer's daughters, Boca residents Timolin and Casey. He and the Temptations [More]
Burt Reynolds on International Polo, student filmmakers and proper hurricane behavior
- 5:19 pm Wednesday, March 12th, 2014 by Leslie Gray Streeter
Burt Reynolds became the world's biggest box office star (that's for real – look it up) on horseback in Western TV shows. Polo has horses, too, but it's a world away from the fast-moving, dusty macho atmosphere of cowboys. Still, that's where the 78-year-old Jupiter hometown boy found himself recently, hanging out in a private cabana in the chi chi members area of International Polo Club Palm Beach.
"It's very nice," says the forever laconic Reynolds, leaning back in a black suit against the plush red cushion that matches the red lenses of his shiny sunglasses. "It's really gorgeous."
He's been busy, preparing for the Student Showcase of Films at the Palm Beach International Film Festival. For 19 years he's lent his name to a $2,500 scholarship for aspiring high school and college filmmakers, and recently had the finalists at his home. Sitting across from longtime friend and Burt Reynolds Institute for Film and Theatre instructor Todd Vittum, grins when he's told about how last year's crop freaked out when talking about meeting him.
"I'm not teaching as much," Reynolds says, referring to his by-invite-only Master Classes taught at Burt Reynolds Institute For Film and Theatre (relocated from Jupiter to its temporary home at the Lake Park Town Hall's Mirror Ballroom). "I love to teach. They jumped around from place to place with the interviews and finally I said 'You can just use my house.'" [More]
Amanda McBroom's moving, funny, worthwhile set at the Royal Room
- 5:08 pm Saturday, March 1st, 2014 by Leslie Gray Streeter
I am kicking myself for not seeing singer/songwriter/actress Amanda McBroom's show before Friday night, because there's only one show left tonight to tell you about. And you really ought to see that show. You weren't busy on a Saturday night, right?
The incredibly young-looking 66-year-old tells a great story about how she came up with her best-known song, inspired by a Leo Sayer song to start writing about all the things that love is. Her husband, she says, listened to it and announced that she'd written a standard. "The Rose," made famous by Bette Midler in the movie of the same [More]
Live with Regis and Joy delights the Royal Room with free-flowing smiles
- 12:56 am Wednesday, February 19th, 2014 by Leslie Gray Streeter
Some cabaret performances are scripted and planned down to the tiniest nuance, to the between-song patter, audience interaction and even the "Thank yous!" And that's OK. But I admit to not-so-secretly adoring the pros who know their crafy so well that they can wing it, zigging where they'd planned on zagging and letting the show flow where it's flowing while being able to slam the breaks on at a moment's notice when need be, because a pro just knows.
Welcome to the Regis (and Joy!) Philbin Show!
Known more for his set-to-11-with-the-knob-ripped-off talk show hosting style than his cemented song stylings, the [More]
Steve Tyrell keeps that breathless, effortless charm at the Royal Room
- 10:05 am Saturday, January 11th, 2014 by Leslie Gray Streeter
There are certain endeavors in which you want to see visible effort – marathon running, game-winning kicks, brain surgery. Musical performances, not so much. I mean, I want there to be some effort, but the kind that a duck shows, kicking furiously underneath to learn those lyrics and perfect that patter. I just don't want to see it in awkward jokes, flop sweat and Unknown Comic-esque corniness.
Steve Tyrell may be the coolest, duckiest cabaret singer currently singing his immaculate suit jacket and tie off, although this is so cool a cat – and yes, I have referred to a man [More]
Jay Leno at the Lady In Red Gala: On comedy and charity
- 4:18 pm Saturday, December 7th, 2013 by Leslie Gray Streeter
Jay Leno's looking forward to headlining tonight's Lady In Red "A Night In Rio" gala in support of the Lois Pope LIFE Foundation Inc. at Mar-A-Lago. But he's probably not going to linger on the island.
"I like charity events. They're fun. People ask 'Why did you pick this one?' and I say 'I didn't! You picked me.' Mrs. Pope does so much, for cancer research, for animal rescue. She's the largest donor to (causes) for disabled veterans, and it's not hard to come down there, tell a joke, laugh and raise money for a good cause," he says. "But I [More]
Five awesome things about Michel Bell and Catherine Matejka at the Royal Room
- 1:51 pm Thursday, December 5th, 2013 by Leslie Gray Streeter
NBC is looking, constantly, for "The Voice." With all due respect, i think we've already found THE voice, and it's Michel Bell.
The booming Tony-nominated bass-baritone, accompanied by wife, musical director and pianist Catherine Matejka, has an astonshing vocal instrument, one of great powerand force that can, because of his impressive control, quiet to a stirring hush. Their show, running now until Saturday at the Royal Room at the Colony Hotel, features pop, gospel, Broadway and a healthy warm helping of humor and goodwill. And a great big singalong. We love those.
Here, in no particular order, are our five favorite moments:
– [More]
Crab Cake Cook-Off Preview: What this Marylander looks for as a judge
- 10:44 am Thursday, October 31st, 2013 by Leslie Gray Streeter
You know how seriously New Yorkers take pizza, to the point where I've seen them lecture actual Italians in Italy about it? That's how seriously many of us born in Maryland take our crab cakes. Dead seriously. We have Old Bay in the blood – When we moved to Saudi Arabia in the early '80s, my dad smuggled in his Bible, a cross and a giant canister of Old Bay seasoning wrapped in gym socks. We don't play. Nothing brings out the legalistic nitpicking in my husband and I than a menu that says "Maryland style crab cakes," to which [More]


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Booked 2 rooms in march for tour de france weekend in July. Arrived friday to be met by locked door, dirty frontage and very unpleasant, unhelpful, grubby man who informed us the hotel had recently changed hands and was full and that he would not honour our booking. To be honest we wouldn't have stayed even if rooms had been... More
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Crystal Creamery Executive Team
Our executive team is composed of a seasoned group of leaders who bring more than 80 years of combined dairy experience to Crystal Creamery.
Frank Otis - President & CEO
Frank joind Crystal Creamery in 2012 and brought with him more than 19 years of leadership expeirence in the dairy industry including 10 years of experience as President and CEO.
Before joining Crystal, Frank spent 4 years as President and CEO of Aloutte Cheese USA llc. He also spent more than 6 years running Kellers Creamery. Prior to that Frank spent 9 years at Alta Dena Dairy where he gained experience in a variety of areas ultimately serving as the VP/General Manager leading their financial turnaround.
Mark Shaw, Chief Financial Officer
Mark joined Crystal Creamery in 2013 and oversees all financial areas.
Mark's been in the dairy business in one form or another for more than 25 years starting as the Dairy Manager as Jewel Foods while in school. After graduation he went to work for Dean Foods. During his years at Dean, Mark held a number of roles. Most recently he reported to the CFO of the Dairy Group where he was in charge of integrating new acquisitions and leading large, strategic projects. Prior to that he held roles from Staff Account to Assistant Controller to Director of Financial Planning and Analysis.
Dennis Dalton, Vice President Operations
Dennis joined Crystal Creamery in 2012 and has overall responsibility for the area of Operations including Procurement, Receiving, Multi-Plant Processing, Warehousing, Shipping and Distribution/Logistics.
Dennis has over 30 years of experience with non-food and food industries including dairy. He began his career with Frito-Lay, a division of Pepsico. During his tenure, he developed a strong operational foundation. Dennis expanded his skillsets with companies such as Sparkletts Drinking Water, Alta Dena Dairy and Office Depot.
Luis Miranda, Vice President Human Resources
Luis has been with Crystal Creamery for nearly 12 years. He has overall responsibility for Human Resources, Payroll, Safety and the Environmental and Sustainability efforts.
Prior to his work at Crystal Creamery, Luis worked 20 years at Foster Farms Poultry. While at Foster Farms he held positions of responsibility in manufacturing splitting his time between Human Resources and Plant operations.
|Visit Foster Farms Poultry
[ Employee Login ]
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But if the debt ceiling isn't a hill worth dying on – and it certainly isn't – leadership should have explained this explicitly rather than leading on the base. It was only back in January when McConnell told the faithful on national television that some of "the most significant legislation passed in the past 50 years has been in conjunction with the debt limit. I think for the president to ask for a clean debt ceiling when we have a debt this size of our economy is irresponsible." What McConnell should have added then is: but there's nothing we can do about it right now. We have to work on winning more seats, and then we can stop this endless cycle of irresponsible spending.
Except that is a lie, too. Because they won't stop the endless cycle of irresponsible spending. Reagan didn't, though he tried – but the establishment GOP fought him. Nixon and Bush didn't and, in fact, up until Barack Obama himself, Bush was the biggest spending President ever.


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Last Friday, the Tour of Britain came to Wales. Having been at the start of the Welsh stage last year at Powis Castle, this year I was able to get to the other end - and Caerphilly Mountain. The toughest climb on the race - and climbed twice. Sure enough, it decided the race. Jonathan Tiernan-Locke flew up both ascents and while König took the stage, he took the race lead, on his way to becoming the first British winner of the Tour of Britain in it's current form.
Jonathan Tiernan-Locke (Endura) and Leopold Koenig (NetApp)
Watching cycling on Caerphilly Mountain is possibly as close in Britain as it can get to the Alps or Pyrenees in terms of steepness - some very steep sections separated by the odd false flat - but it is also unusually convenient to get to. I was lucky enough to watch the Men's Olympic Road Race on Box Hill earlier in the summer which involved a good 30-40 minute walk from the nearest station just to get to the venue (and a further 30-40 minutes waiting at the top to queue to get in - a good reason why ticketing climbs should never catch on!) but in Caerphilly, once out of the station you are already on the early part of the climb!
First stop on arrival though was not to go up the climb, rather down hill into the centre of the Caerphilly and alongside Caerphilly Castle where the finish line - and tight final turn - could be found. There were plenty of cyclists about aswell - as many took the opportunity to ride part of the course earlier in the day in the Tour Ride. Being there a couple of hours before the finish, it would have been easy to grab a spot on the railings ... but that wasnt why I came!
It was up to the climb to try and spot a good place to stand. The best spots were obvious enough though - already people were stood/sat waiting - but there was plenty of choice of steep road to watch the action from. Having walked to the top, I walked halfway back down again to take up position.
The crowds for the Tour of Britain have been great all race, and Caerphilly Mountain was no exception. And of course, the cycling never dissapoints. JTL was already flying by halfway up on the first ascent, with the field nicely spread out for extra value spectating! Also great to be able to see Mark Cavendish ride in the rainbow jersey - although a slight shame that Wiggo pulled a sickie that morning.
After the first lap, I moved downhill a little and stumbled across a perfect spot. The road was steeper, and the riders passed centimetres away from me - can only I hope I wasnt getting in the way! Just goes to show that sometimes there's no point trying to plan where to watch I bike race - the best place can appear unexpectedly. The same thing happened for the Olympic Time Trial as I aimed to walk to Hampton Court Palace, but instead found a much better viewing point. (And yes, great summer to be a cycling fan in Britain with so much world class cycling to go to!)
And once the race was over, there was just time to run down the hill (in the middle of the road, taking full advantage of the road closure) and make my way back to the finish area for the view of the podiums. I actually made it back to the finish line before Cavendish and others finished! A Brit in Yellow, not for the first time this summer.
More photos @ http://www.flickr.com/photos/sumofmarc/sets/72157631537202381/


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Ask me anythingNext pageArchive
(Source: aboutphotosets, via meghanmarieexox3)
I would sell my soul for you (人´∀`*)
(Source: wampirella, via lunsfuhd)
The Black 01
When the world goes post-apocalyptic this is how I hope we all dress.
I would so wear all of this.
(via fonfe)
*her ghost in the fog*


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Quotes & Info
|SIGI > SEC Filings for SIGI > Form 10-Q on 1-Aug-2013
|All Recent SEC Filings
Quarterly Report
Forward-Looking Statements
In this Quarterly Report on Form 10-Q, we discuss and make statements regarding our intentions, beliefs, current expectations, and projections regarding our company's future operations and performance. Such statements are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are often identified by words such as "anticipates," "believes," "expects," "will," "should," and "intends" and their negatives. We caution prospective investors that such forward-looking statements are not guarantees of future performance. Risks and uncertainties are inherent in our future performance. Factors that could cause actual results to differ materially from those indicated by such forward-looking statements include, but are not limited to, those discussed under Item 1A. "Risk Factors" below in Part II "Other Information". These risk factors may not be exhaustive. We operate in a continually changing business environment and new risk factors emerge from time to time. We can neither predict such new risk factors nor can we assess the impact, if any, of such new risk factors on our businesses or the extent to which any factor or combination of factors may cause actual results to differ materially from those expressed or implied in any forward-looking statements in this report. In light of these risks, uncertainties, and assumptions, the forward-looking events discussed in this report might not occur. We make forward-looking statements based on currently available information and assume no obligation to update these statements due to changes in underlying factors, new information, future developments, or otherwise.
We classify our business into three operating segments:
• Standard Insurance Operations - comprised of both commercial lines ("Commercial Lines") and personal lines ("Personal Lines") insurance products and services that are sold in the standard marketplace;
• Excess and Surplus ("E&S") Insurance Operations - comprised of Commercial Lines insurance products and services that are unavailable in the standard market due to market conditions or characteristics of the insured that are caused by the insured's claim history or the characteristics of their business; and
• Investments - invests the premiums collected by our Standard and E&S Insurance Operations, as well as amounts generated through our capital management strategies, which may include the issuance of debt and equity securities.
Our Standard Insurance Operations products and services are sold through nine
subsidiaries that write Commercial Lines and Personal Lines business, some of
which write flood business through the National Flood Insurance Program's
("NFIP") write-your-own ("WYO") program. Two of these subsidiaries, Selective
Casualty Insurance Company ("SCIC") and Selective Fire and Casualty Insurance
Company ("SFCIC"), were created in 2012. These subsidiaries began writing direct
premium in 2013 and have been included in our reinsurance pooling agreement as
of July 1, 2012.
Our E&S Insurance Operations products and services are sold through a subsidiary that was acquired in December 2011. This subsidiary, Mesa Underwriters Specialty Insurance Company ("MUSIC"), provides us with a nationally-authorized non-admitted platform to write commercial and personal E&S lines business. For additional information regarding our E&S acquisitions, refer to Note 12. "Business Combinations" in Item 8. "Financial Statements and Supplementary Data." contained in our Annual Report on Form 10-K for the year ended December 31, 2012 ("2012 Annual Report").
Our ten insurance subsidiaries are collectively referred to as the "Insurance Subsidiaries".
The purpose of Management's Discussion and Analysis ("MD&A") is to provide an understanding of the consolidated results of operations and financial condition and known trends and uncertainties that may have a material impact in future periods. Consequently, investors should read the MD&A in conjunction with the consolidated financial statements in our 2012 Annual Report. In the MD&A, we will discuss and analyze the following:
• Critical Accounting Policies and Estimates;
• Financial Highlights of Results for second quarters ended June 30, 2013 ("Second Quarter 2013") and June 30, 2012 ("Second Quarter 2012") and the six-month periods ended June 30, 2013 ("Six Months 2013") and June 30, 2012 ("Six Months 2012");
• Results of Operations and Related Information by Segment;
• Federal Income Taxes;
• Financial Condition, Liquidity, Short-term Borrowings, and Capital Resources;
• Ratings;
• Off-Balance Sheet Arrangements; and
• Contractual Obligations, Contingent Liabilities, and Commitments.
Critical Accounting Policies and Estimates These unaudited interim consolidated financial statements include amounts based on our informed estimates and judgments for those transactions that are not yet complete. Such estimates and judgments affect the reported amounts in the consolidated financial statements. Those estimates and judgments most critical to the preparation of the consolidated financial statements involve the following: (i) reserves for loss and loss expenses; (ii) deferred policy acquisition costs; (iii) pension and post-retirement benefit plan actuarial assumptions; (iv) other-than-temporary investment impairments; and (v) reinsurance. These estimates and judgments require the use of assumptions about matters that are highly uncertain and, therefore, are subject to change as facts and circumstances develop. If different estimates and judgments had been applied, materially different amounts might have been reported in the financial statements. For additional information regarding our critical accounting policies, refer to our 2012 Annual Report, pages 44 through 53. However, for changes related to actuarial assumptions used in the measurement of the Retirement Income Plan for Selective Insurance Company of America and The Selective Insurance Supplemental Pension Plan (jointly referred to as the "Retirement Income Plan"), see Note 10. "Retirement Plans" of this Form 10-Q.
Financial Highlights of Results for Second Quarter 2013 and Six Months 20131
Quarter ended June 30, Six Months ended June 30, ($ and shares in thousands, except per share Change Change amounts) 2013 2012 % or Points 2013 2012 % or Points Generally Accepted Accounting Principles ("GAAP") measures: Revenues $ 468,945 428,907 9 % 928,894 848,255 10 % Pre-tax net investment income 34,003 34,006 - 66,873 66,634 - Pre-tax net income (loss) 36,201 (692 ) 5,331 63,534 22,499 182 Net income 27,122 288 9,317 48,430 18,381 163 Diluted net income per share 0.48 0.01 4,700 0.86 0.33 161 Diluted weighted-average outstanding shares 56,616 55,681 2 56,530 55,642 2 GAAP combined ratio 98.9 % 106.9 (8.0 ) pts 98.0 103.7 (5.7 ) pts Statutory combined ratio2 97.7 % 106.2 (8.5 ) 97.3 102.7 (5.4 ) Return on average equity 9.7 % 0.1 9.6 8.8 3.4 5.4 Non-GAAP measures: Operating income3 $ 23,773 172 13,722 % $ 43,897 15,432 184 % Diluted operating income per share3 0.42 0.01 4,100 0.78 0.28 179 Operating return on average equity3 8.5 % 0.1 8.4 pts 8.0 2.9 5.1 pts
1 Refer to the Glossary of Terms attached to our 2012 Annual Report as Exhibit 99.1 for definitions of terms used in this Form 10-Q.
2 Six Months 2013 includes 0.7 points related to the Retirement Income Plan amendments that curtail the accrual of additional benefits for all eligible employees participating in the plans after March 31, 2016.
3 Operating income is used as an important financial measure by us, analysts, and investors, because the realization of investment gains and losses on sales in any given period is largely discretionary as to timing. In addition, these realized investment gains and losses, as well as other-than-temporary impairments ("OTTI") that are charged to earnings and the results of discontinued operations, could distort the analysis of trends. See below for a reconciliation of operating income to net income in accordance with GAAP. Operating return on average equity is calculated by dividing annualized operating income by average stockholders' equity.
The following table reconciles operating income and net income for the periods
presented above:
Quarter ended June 30, Six Months ended June 30, ($ in thousands, except per share amounts) 2013 2012 2013 2012 Operating income $ 23,773 172 43,897 15,432 Net realized gains, net of tax 3,349 116 5,530 2,949 Loss on disposal of discontinued operations, net of tax - - (997 ) - Net income $ 27,122 288 48,430 18,381 Diluted operating income per share $ 0.42 0.01 0.78 0.28 Diluted net realized gains per share 0.06 - 0.10 0.05 Diluted net loss from disposal of discontinued operations per share - - (0.02 ) - Diluted net income per share $ 0.48 0.01 0.86 0.33
Over the long term, we target a return on average equity that is three points higher than our historic cost of capital of approximately 9%, excluding the impact of realized gains and losses, which is referred to as operating return on equity. Our operating return on average equity was 8.5% in Second Quarter 2013 compared to 0.1% in Second Quarter 2012. For Six Months 2013 and Six Months 2012, our operating return on average equity was 8.0% and 2.9%, respectively. Our operating return on average equity contribution by component is as follows:
Operating Return on Average Equity Quarter ended June 30, Six Months ended June 30, 2013 2012 2013 2012 Insurance Operations 1.0 % (6.5 ) 2.0 (3.4 ) Investments 9.2 9.5 9.2 9.4 Other (1.7 ) (2.9 ) (3.2 ) (3.1 ) Total 8.5 0.1 8.0 2.9
Improvements in the operating return on average equity generated from our Insurance Subsidiaries reflect increases in underwriting profitability of $31.4 million in the quarter and $45.0 million in the year-to-date periods. These fluctuations were driven primarily by: (i) higher underwriting profitability in our Standard Insurance Operations of $28.6 million and $37.2 million, respectively, reflecting the impact of earning renewal pure price increases that have been exceeding loss costs trends over the past year along with decreases in catastrophe and non-catastrophe property losses quarter over quarter and significantly lower catastrophe losses year over year; and (ii) improvements in our E&S Insurance Operations of $2.8 million and $7.8 million, respectively. E&S operations were primarily affected by: (i) earned premiums that now reflect the full operations of this business; (ii) renewal pure price increases; and (iii) a decrease in initial start-up expenditures.
Our investment segment's contribution to operating return on equity was relatively consistent both in Second Quarter 2013 compared to Second Quarter 2012 and Six Months 2013 compared to Six Months 2012. Net investment income continues to be negatively impacted by the interest rate environment, which has lowered reinvestment yields within our fixed maturity securities portfolio when comparing periods. However, higher returns in our other investments portfolio, which were driven by higher returns from the alternative investments within that portfolio along with increased dividend income from our equity portfolio, have partially offset the impact of lower returns from our fixed maturity securities portfolio.
The Second Quarter 2013 improvement in our operating return on average equity attributable to our "Other" results of 1.2 points was driven by the impact of a lower effective tax rate adjustment in Second Quarter 2013 as compared to Second Quarter 2012. We are required, through accounting rules, to record each quarter's taxes at the expected annual marginal tax rate regardless of the relative magnitude of the individual components within any one quarter. As net income in Second Quarter 2012 was disproportionate compared to expected full year net income, a more significant effective tax rate adjustment was required compared to Second Quarter 2013 in which net income is more in line with full year expected results. While the year-to-date period was also impacted by a lower effective tax rate adjustment, for the six-month period, this improvement was offset by the write-off of debt costs associated with the redemption of our 7.50% Junior Notes due 2066 in the first quarter of 2013, coupled with higher stock compensation expense due to the increase in our stock price.
The following table provides a quantitative foundation for analyzing our overall
Insurance Subsidiaries underwriting results:
All Lines Quarter ended June 30, Six Months ended June 30, Change % or Change % or ($ in thousands) 2013 2012 Points 2013 2012 Points GAAP Insurance Operations Results:
Net premiums written ("NPW") $ 462,177 425,563 9 % 912,301 845,735 8 % Net premiums earned ("NPE") 426,252 392,212 9 847,192 771,041 10 Less: Loss and loss expense incurred 279,594 287,903 (3 ) 549,443 540,809 2 Net underwriting expenses incurred 141,194 130,041 9 279,038 256,413 9 Dividends to policyholders 981 1,230 (20 ) 2,067 2,144 (4 ) Underwriting gain (loss) $ 4,483 (26,962 ) 117 % 16,644 (28,325 ) 159 % GAAP Ratios: Loss and loss expense ratio 65.6 % 73.4 (7.8 ) pts 64.9 70.1 (5.2 ) pts Underwriting expense ratio 33.1 33.2 (0.1 ) 32.9 33.3 (0.4 ) Dividends to policyholders ratio 0.2 0.3 (0.1 ) 0.2 0.3 (0.1 ) Combined ratio 98.9 106.9 (8.0 ) 98.0 103.7 (5.7 ) Statutory Ratios: Loss and loss expense ratio 65.6 73.4 (7.8 ) 64.9 70.1 (5.2 ) Underwriting expense ratio 31.9 32.5 (0.6 ) 32.2 32.3 (0.1 ) Dividends to policyholders ratio 0.2 0.3 (0.1 ) 0.2 0.3 (0.1 ) Combined ratio 97.7 % 106.2 (8.5 ) pts 97.3 102.7 (5.4 ) pts
The growth in NPW for our Insurance Subsidiaries in Second Quarter 2013 and Six Months 2013 compared to prior year periods reflects the following in our Standard Insurance Operations: (i) renewal pure price increases that we have achieved; (ii) strong retention; and (iii) new business.
NPE increases in Second Quarter 2013 and Six Months 2013 were consistent with the fluctuations in NPW for the twelve-month period ended June 30, 2013 compared to the twelve-month period ended June 30, 2012.
The combined ratio improved for both the quarterly and year-to-date periods. This improvement reflects overall improvements in pricing, as well as significantly lower catastrophe losses and non-catastrophe property losses quarter over quarter and significantly lower catastrophe losses year over year. Renewal pure price increases averaged 7.4% for the quarterly period and 7.5% for the year-to-date period in our Standard Insurance Operations in 2013. These price increases exceeded loss trends by approximately 4 points.
In their 2012 year-end review, A.M. Best and Company ("A.M. Best") projected an industry combined ratio of 101.2% for 2013. This projection reflects a more normal level of catastrophe losses as well as the impact of pricing improvements that were achieved in 2012 and are expected to continue in 2013. However, A.M. Best expects that the industry's performance will remain challenged by the continuing sluggish macroeconomic environment, which includes persisting low investment yields, the lingering effects of the soft market conditions that have prevailed in recent years, and a reduced level of loss reserve redundancies. These challenges are expected to lead to more negative rating actions than positive rating actions in 2013.
For 2013, we expect to achieve a statutory combined ratio of 96% excluding catastrophes and any favorable or unfavorable prior year casualty reserve development. Our estimate for catastrophe losses in 2013 is three points. In addition, we expect our E&S Insurance Operations to produce a combined ratio between 100% and 102% for 2013, and be at profitability levels similar to our Standard Insurance Operations in 2014. We also expect to achieve an overall statutory combined ratio of 92% by year-end 2014 excluding three points of expected catastrophe losses. Our Insurance Subsidiaries reported a statutory combined ratio of 93.1%, excluding catastrophe losses, for Second Quarter 2013 and 94.8% for Six Months 2013, which included favorable prior year casualty reserve development of $2 million in Second Quarter 2013 and $3 million in Six Months 2013 compared to $5 million in Second Quarter 2012 and $8 million in Six Months 2012.
A key component of meeting our combined ratio targets is our ability to generate Commercial Lines renewal pure price increases in excess of our predicted loss trends. Although A.M. Best is maintaining its negative outlook for the commercial lines market, it does anticipate that sustained pricing momentum will continue in 2013. We achieved renewal pure price
increases of 7.3% for standard Commercial Lines and 8.4% for standard Personal Lines in Six Months 2013. While these increases demonstrate our ability to generate price at a granular level, we anticipate that 2014 standard renewal rates will be modestly below the current year 7.5% rate that we achieved.
Although interest rates rose during the quarter, they are still low by historical standards. The continued low interest rate environment has several significant impacts on our business, some of which are beneficial and some of which present a challenge to us. The benefits include lower inflation rates that suppress loss trends, as well as reduce our cost of capital. However, the low interest rate environment presents a significant challenge in generating after-tax returns on our investment portfolio as fixed income securities mature and money is re-invested at lower rates. Even if current interest rate levels were to increase by 50 basis points per year for the next few years, book yields on our overall portfolio would continue to underperform 2012 book yield levels until we reach 2018. As a result, for 2013, we anticipate after-tax investment income of approximately $95 million, lower than the $100 million we earned on an after-tax basis in 2012.
Results of Operations and Related Information by Segment
Insurance Operations
Standard Insurance Operations
Our Standard Insurance Operations segment, which represents 93% of our combined insurance operations NPW, sells insurance products and services primarily in 22 states in the Eastern and Midwestern U.S. and the District of Columbia, through approximately 1,100 independent retail insurance agencies. This segment consists of two components: (i) Commercial Lines, which markets primarily to businesses and represents approximately 82% of the segment's NPW; and (ii) Personal Lines, including our flood business, which markets primarily to individuals and represents approximately 18% of the segment's NPW.
NPW $ 429,511 397,224 8 % 851,255 791,601 8 % NPE 396,205 376,245 5 787,086 745,351 6 Less: Loss and loss expense incurred 258,520 275,297 (6 ) 509,251 520,736 (2 ) Net underwriting expenses incurred 129,936 121,580 7 256,925 240,803 7 Dividends to policyholders 981 1,230 (20 ) 2,067 2,144 (4 ) Underwriting gain (loss) $ 6,768 (21,862 ) 131 % 18,843 (18,332 ) 203 % GAAP Ratios: Loss and loss expense ratio 65.2 % 73.2 (8.0 ) pts 64.7 69.9 (5.2 ) pts Underwriting expense ratio 32.9 32.3 0.6 32.6 32.3 0.3 Dividends to policyholders ratio 0.2 0.3 (0.1 ) 0.3 0.3 - Combined ratio 98.3 105.8 (7.5 ) 97.6 102.5 (4.9 ) Statutory Ratios: Loss and loss expense ratio1 65.3 73.3 (8.0 ) 64.7 69.9 (5.2 ) Underwriting expense ratio1 31.5 31.9 (0.4 ) 31.9 31.6 0.3 Dividends to policyholders ratio 0.2 0.3 (0.1 ) 0.3 0.3 - Combined ratio1 97.0 % 105.5 (8.5 ) pts 96.9 101.8 (4.9 ) pts
1 Six Months 2013 includes 0.2 points in the loss and loss expense ratio, 0.5 points in the underwriting ratio, and 0.7 points in the combined ratio related to the Retirement Income Plan amendments recorded in the first quarter of 2013 that curtail the accrual of additional benefits for all eligible employees participating in the plans after March 31, 2016.
The improvements in NPW in Second Quarter and Six Months 2013 compared to Second Quarter and Six Months 2012 are primarily the result of the following:
Quarter ended June 30, Quarter ended June 30, 2013 2012 Renewal Renewal Pure Price Pure Price ($ in millions) Increase Retention Increase Retention
Six Months ended June 30, Six Months ended June 30, 2013 2012 Renewal Renewal Pure Price Pure Price ($ in millions) Increase Retention Increase Retention Standard Commercial Lines 7.3 % 82 % 5.8 82 Standard Personal Lines 8.4 86 5.7 86
NPE increases in Second Quarter and Six Months 2013 were consistent with the fluctuations in NPW for the twelve-month period ended June 30, 2013 as compared to the twelve-month period ended June 30, 2012.
The GAAP loss and loss expense ratio improved 8.0 points in Second Quarter 2013 and 5.2 points in Six Months 2013 compared to the same periods a year ago. The improvement in the ratios reflect the earning of renewal pure price increases that averaged 6.3% in our Standard Insurance Operations in 2012 and exceeded loss trends by approximately 3 points. The following variances are included in the GAAP loss and loss expense ratio:
Quarter ended June 30, Quarter ended June 30, 2013 2012 Impact on Impact on Loss and Loss and Loss and . . .


text:
Samantha Nicholson
Equestrian Team Holds End of Season Banquet on Sunday
Amber Henter and Sam Chiodo named captains for 2014-2015 season
South Carolina Boasts 70 Student-Athletes on SEC Winter Academic Honor Roll
Gamecocks rank second behind only Georgia
Gamecock Equestrians to Participate in Curing Kids Cancer Event on Saturday
Gamecocks to pull fire truck to raise money for Curing Kids Cancer
Gamecock Equestrian Lands 20 Riders on NCEA Academic Honor Roll
Six Carolina riders named to NCEA Academic First-Team
Gamecocks Knock Off South Dakota State, 14-5, in Fall Finale
Samantha Kraus and Abigail Pait win their first career MVP honors
2014 SEC Equestrian Championship Highlights
South Carolina vs. Auburn Highlights
South Carolina vs. Texas A&M Highlights
South Carolina vs. K-State Highlights
Highlights vs. Delaware State
Equestrian vs. Kansas State (9/20/2013)
The Gamecocks defeated Kansas State, 15-5, in the season opener on Friday at One Wood Farm.
Equestrian Team Reception with Dr. Pastides
President Dr. Harris Pastides and his wife Patricia hosted the Equestrian team for a reception (4/16/2012)
2011-2012 Equestrian Team Banquet
4/18/12 - The Equestrian team held its annual end of season banquet on Wednesday in the Champions Club at Williams Brice.
Gamecocks Win 2012 Southern Equestrian Championship
The South Carolina Equestrian team upset No. 1 Georgia to win the 2012 Southern Equestrian Championship.
Equesrtian vs. Auburn (Feb. 25, 2012)
No. 5 South Carolina upset No. 1 Auburn, 12-6, on Saturday at One Wood Farm. Photos by Mike Slade.
2013-2014: 0-1 record in hosemanship... Won a horsemanship exhibition at No. 2 Auburn on Nov. 9, defeating her opponent, 72.5-65.5... Made her competition debut at South Dakota State on Nov. 23... Rode a pair of horsemanship demonstration rides in the win over Texas A&M on Feb. 22, scoring 70.5-68.5... Won a horsemanship exhibition over Auburn on Senior Day on March 1, defeating her opponent, 69-60.5... Fourth-year letter winner.
2012-2013: Fall 2012 Athletic Director's Honor Roll... Competed in a Horsemanship exhibition at No. 8 Kansas State on March 8... NCEA Academic Honor Roll...Spring 2013 Athletic Director's Honor Roll... Third-year letter winner.
2011-2012: Performed an exhibition ride at Georgia on Feb. 4, defeating her Bulldog opponent 68-66.5... Performed a demo ride at home as the Gamecocks upset No. 1 Auburn, 12-6, on Feb. 25... Second-year letter winner.
2010-2011: First-year letter winner.
High School: A senior at Lakeside High School, Nicholson competed at the National Appaloosa Horse Club's World Championship Show since 2006. There, she has had five top-5 finishes and ten top-10 finishes, including being named 2008 Reserve Championship in Western Showmanship. Nicholson has also won multiple "Leading the Nation" Awards from the National Appaloosa Horse Club including three Year End Top-10 awards.


text:
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In this post I intend to express my views about Dischyzer with gentleness and respect. To get right down to it, Dadaism is the driving force behind Dischyzer's beliefs (as I would certainly not call them logically reasoned arguments). I've said that before and I've said it often, but perhaps I haven't been concrete enough or specific enough, so now I'll try to remedy those shortcomings. I'll try to be a lot more specific and concrete when I explain that my cause is to straighten out Dischyzer's thinking. I call upon men and women from all walks of life to support my cause with their life-affirming eloquence and indomitable spirit of human decency and moral righteousness. Only then will the whole world realize that I have reason to believe that Dischyzer is about to call for ritualistic invocations of needlessly formal rules. I pray that I'm wrong, of course, because the outcome could be devastating. Nevertheless, the indications are there that nothing unites people like a common enemy. That's why I would encourage everybody to take some shots of their own at Dischyzer by reprimanding him for impinging upon our daily lives.
Dischyzer maintains that either diabolism is the only alternative to frotteurism or that those of us who oppose him would rather run than fight. Dischyzer denies any other possibility. We must build a sane and healthy society free of his destructive influences.
Yes, I think that is apt Ubik. Tonight only though. You see I enjoy logging on to this thread and reading what's posted. I like to see it as an opportunity for people to share bannter and wit. This thread is totally non-sensical. That's what I like about it. But sometime people come on and really want to shut it down and I guess that was the original idea. But I like all the bull.
Tonight I logged on to see some crazy attempts to really shut it down and I guess I lost sight that . . . well was the original purpose. So kudos for y'all trying. I guess I'll fess up and say I don't want it locked. Oh well boo to me. My general approach has been a train of thought that I get or see from other posts. Then I go from there and see where the next idea takes me. It helps my creativty in my art. So like I said, and you too, Dadaism was accurate.
To Joe Shmoe my pearl necklace remark was off base I apologize. Part of me was getting caught up in the ok hell let's lock it down. As if they would.
Anyway, I like these off topic deals more then the chess talk stuff. That gives me tired head. So fire away everybody at my insane destructive influences, like i guess I have been doing all along.
Yes, Dischy, the vids you posted previously were so scary I had to hide in my closet. Especially the ones with cats and/or dogs.
9/1/2014 - Mate in 2
by DoterGor 2 minutes ago
can we say caruana is stronger then carlsen now
by chessmicky 3 minutes ago
Admins: Spam alert, you may wish to check this
by adamplenty 5 minutes ago
HURT/HEAL (Top 5) Openings
by DrSpudnik 8 minutes ago
Can you really make money off chess?
by cornbeefhashvili 9 minutes ago
My System Notation
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Kings gambit
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Error in FIDE top 100
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Tactical Players
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blitz/bullet rating is the only thing that matters in internet chess
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text:
Exploring Lost Move Syndrome in Competitive Youth Gymnasts
Erica Beachy, Springfield College, USA
Theme: Youth sport
Poster Number: 145
Program ID: POS-2
Presentation: October 4, 2013 5:30 pm - 7:00 pm
Room: Napoleon
Lost move syndrome (LMS) has been defined as a psychological condition in which athletes are suddenly unable to perform a motor skill or sequence that was previously automatic for them (Day, Thatcher, Greenlees, & Woods, 2006). Day et al. used qualitative methods to study LMS, interviewing 15 elite level trampolinists about their experiences of losing a skill. The current study was designed to investigate the frequency and experience of LMS in competitive youth gymnasts (N = 109). The study also investigated the extent to which LMS, as defined by Day et al., was distinct from other related conditions that negatively affect performance or could be identified as causes for not performing a skill (i.e., slumping, choking, fear of injury, and sport performance phobias). Gymnasts completed a questionnaire about their experience of losing a skill and the specific characteristics of that experience. Responses indicated that the uneven bars and the balance beam accounted for 75% of the lost skills and that the majority of the skills lost (66%) were ones that required participants to go backwards. Coaches filled out a spreadsheet that inquired about which gymnasts had experienced LMS. The vast majority of gymnasts (81%) reported losing a skill, whereas their coaches identified only 37% of them as having lost a skill. Only two gymnasts met all criteria as defined by Day et al. for LMS. Overall, the results of this study revealed that as presently defined and measured, LMS is not distinguishable from related conditions.


text:
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Only serious inquiries please.
- Location: New Orleans/Covington/Hammond
- it's NOT ok to contact this poster with services or other commercial interests


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Christmas guide in this week's BFP (From Bucks Free Press)
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Christmas guide in this week's BFP
11:43am Friday 16th November 2012 in News
PICK up a copy of the Bucks Free Press for a 24 page pull-out guide to Christmas in south Bucks and our monthly Talking Business supplement.
Our guide features Christmas lights switch on dates, festive events, a panto round-up and gift ideas – while we round-up the latest goings on in the business world.
This week's paper has the full story on the proposed teacher strike action at Highcrest Academy and the latest on Wycombe Hospital, as two more wards are closed as part of a controversial reform.
The Free Press has a two page round-up of all the Remembrance Sunday services, as residents fell silent to salute our war heroes.
West End legend Gary Wilmot talks to Freetime as he gets ready to star in the Wycombe Swan musical the Radio Times and we take a look at how BFP columnist and former Dr Who star Colin Baker is doing in the I'm a Celebrity jungle.
And we have all the latest coming out of Adams Park, as Wycombe Wanderers reveals it makes money from hosting London Wasps.
Your bumper 140 page Bucks Free Press is out today, priced 60p.


text: I'm finding a way to develop an app on editing an audio and adding effects on it then saving the edited audio into a new one.I'm planning to create an audio mixer for mobile. Is it possible in j2me? Because I tried to searched the internet and it seems that I can't find any. I only need a reference on how to get it done. Or if not in j2me? Is it possible in QT? or other PL? Hope you can help me guys. Badly need your help.


text:
The brush drop-off program for Minnetonka residents is open Mondays and Tuesdays from noon to 8 p.m. and Saturdays from 7 a.m. to 3 p.m.
Branches up to 12" in diameter will be accepted. This service is only available to Minnetonka residents. Proper I.D. proving residency is required each time a resident enters the site (driver's license, state ID or Minnetonka utility bill).
Please note: trash, metal, plastics, concrete, lumber, fences or wood scraps are not accepted. Do not bring these materials with your load of brush.
Do not put grass, loose leaves, dirt, sod or other non-woody materials in with the brush pile.
The brush drop-off is located at Minnetonka Public Works, 11522 Minnetonka Blvd. Use the west entrance near the Big Willow Park ball fields.
No brush will be accepted from commercial tree or lawn services. Brush drop-off closes Nov. 18. For more information visit the city's Brush Drop-Off page or call 952-988-8430.
Need to drop off leaves? Visit the article What To Do With Your Leaves in Minnetonka.
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text:
Contemporary Art Talks 06
BRLSI, Bath
Every Thursday in May, 7pm
Julian Stallabrass
Rod Dickenson and Tom McCarthy
Michael Connor
Following the success of the Contemporary Art Talks 05 programme, which included speakers such as Mark Wallinger, Bill Woodrow and James Ireland, Media Art Bath in partnership with BANA (Bath Area Network Artists) and CAP (Contemporary Arts Programming) presented an additional programme during May 2006. This programme focused on the relationship of contemporary practice to new technology, and invited artists, curators and critics presented their views on the impact of the digital era on production and presentation of contemporary art.
Julian Stallabrass, Thursday 4th May
This talk placed 'net.art' in contrast with the gallery art of the 1990s, as well as making some brief analyses of more recent developments, and focus on the interchange between political and aesthetic effect.
Rod Dickinson and Tom McCarthy, Thursday 11th May
Beaconsfield recently presented a collaborative work Greenwich Degree Zero by Rod Dickinson and Tom McCarthy that uses as its subject matter what could be called the first suicide bombing to occur in the UK. The duo talk about the work, in particular focusing on the notion of mediation and documentation.
Juneau/Projects/, Thursday 18th May
Featured in the British Art Show and scheduled to produce a new artist commission with Media Art Bath later in the 06/07 programme. For the past five years the two have been studying technology's ambiguous role in the cultural system and its conflicting relationship with the natural environment. In their work, the nature/culture debate usually takes the form of experimental sound and performance interventions.
Michael Connor, Thursday 25th May
As Head of Exhibitions at the British Film Institute, Michael Connor is leading the development of a new exhibition space in London dedicated to artists' film, video, and new media. The space, which will be sited within the National Film Theatre complex, opens to the public in Autumn 2006. Michael discusses his approach to curating in this field.