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I would love this workout bench, looks awesome,and i've been weight lifting since the 1970's
Best value for the money I could find after considerable research. Happy overall. Seat has 2 small tears on back edge.
Good Bench Capable Of Doing Multiple Workouts. Could Be Sturdier But I'm A Larger Person. Small To Regular Sized People Will Have No Problems With This Bench. Leg Developer Could Be Better But The Arm Curl Setup Works Well.
Very happy with purchase, it was easy to put together. It is very stable much better than some others I looked at. Highly recommend this bench to anyone looking for one in this price range.
Great bench. Arrived from UPS in perfect condition. Assembled myself (asked wife for help holding one piece once) in a little over two hours. I've used this several times and found it to be solid. Great product at a great price!
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Just like their name, these girls are unique. Usually carefree with a strong zest for life. They tend to have beautiful eyes and strong sex appeal. They're loyal to a fault and if you mess with anyone they care about watch out. They love music, adventure and tend to be very intelligent. They take their responsibilities very seriously and hate to let anyone down. If you know a girl named Dena consider yourself lucky, you found a friend for life.
Any girl named Dena is Amazing !!!!
by Lucky6 February 03, 2010
Very attractive girl who is often a leader in her field of life. She takes on projects of all interest and is hailed as someone who is successful and thinks outside the box. People tend to believe she enjoys being in the spotlight, when in reality she'd rather get the job done and blend quietly in the background. She has deep roots and beliefs in God and Family. Shes an extremely faithful friend but when betrayed struggles with forgiveness.
Dena is helping out with the church food bank this weekend.
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by Heartstealer214000 November 13, 2013
Can you please put some Dena in that?
by Jenifer087 November 06, 2007


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Nice video and gratz for the kill!
Originally Posted by Aliena
Nice video and gratz for the kill!
you keep improving...i really like the new focus on viewing through the whole fight after explaining all the mechanics tbh....very helpful indeed...still this boss seems like a block for a lot of ppl i would say
oh and the resumé with the cartoonhero was just awesome....more of that plx
Thanks! I think if anything's a block in BoT, this is. The DPS requirement on 25m was harsh, we spent a night wiping at sub-2% consistently until we kept him in the middle, which allowed us to crank out that last bit.
i like this expansion tbh...everything is more about tactic than a gearblock....maybe chimeron for healers but other than that great....it makes more sense tbh....btw i see you do both 10 and 25....do you practice in 10 first and then say ok we can do this in 25 better or what´s the reason about the different setups (10/25)
Will the chain lightning or gravity bubble ever target tanks?
Wowhead shows glaciate as a 200,000 dmg value spell, I'm assuming from the dead center of it.
Should the tanks be moving out when he casts as well? Whereas the fire elemental tank is supposed to just take the flamethrower attack.
As a melee I as having a lot of trouble in p3 when he drops the water pools, I just couldn't seem to find the right distance to attack him while staying out of the pools as he has a tiny hitbox. Anyone else encounter this problem?
Glaciate does extremely high values of damage when you don't move, my record as of 30 minutes ago was 3.7 million damage before overkill and resist.
Last edited by Fetzie; 12-26-2010 at 02:12 PM.
Glaciate insta kills you when you're near the large glowing aoe within 8 yards of the boss. If you're 10 yards from the boss it does about 35k, ideally you'll only take 20k from distance + 187 resist. Heroic leap out and it does 10k.
The final burn phase is pretty painful on 10man even with a perfect 25%/24%, this is the first time in a long time we struggled with a DPS check, either that or we should gkick the 2 melee and just get 5 ranged for a much easier kill.
We were also having a lot of trouble with the ten man soft enrage in P3. we started losing people to chain lightning and the bubble at around 1500k, our best attempt was at around 900k hp left. Does anyone know how long you effectively have for P3 before the chain lightning becomes unhealable?
Also the tanks need to really watch out for the tornados in P2, last night I took two hits from the spikes and two melee swings from Terrestra In just under a second - around 130k damage.
What should the second tank do in P3? hang around the edge of the room and hope that chain lightning hits him and doesn't chain to the raid?
Additionally, either have a tank paladin or a ranged dps ready to interrupt the first "frost bolt" after glaciate as the melee interrupters might not manage to get back into melee range to stop it going through.
The earth guy spams knockbacks every 1 second on the tank midway to the point that I'm swearing in anger on how completely idiotic and retarded he is, how can you heroic leap 1 yard away from a tornado then be punted 20 times in a row and miss the buff? I usually save my shield wall because he will do that at least once or twice.
We are having some issue with Ignicious as he sometimes decides not to jump and leave us without fire to remove de Felodius debuff... Is there any other requirement that having people at range?
hi! our guild did a different approach for p2 and its much faster and easier.
1.) get tornado buff
2.) clump at mid
3.) zerg 2 adds lol
if earthquake is casted on the clump just side step. we just eat 2 storms which is tbh really easily healable.
try it you'll be amazed how the fight turns into a joke. GL!
On 25m, I am having issues with Ignacious. His flame torrent is ravaging me for 66k with 17k resisted. I am carrying approximately 189k hp and it just seems that healers cannot keep up with torrent. While I can easily sw through one of the torrents the other ones are just ripping me down faster then my healers can keep up. Externals may be the answer but that is very tough to do from a coordination standpoint. Is anyone else running into this situation? The frequency of the mechanic doesn't seem to merit the use of constant cds.
Execute for show, tank for dough.
The majority of the tankdeaths on Ignacious were after shieldphase and when he was buffed that his flametorrent actually did alot more damage, which i hope you are referring to since normal damage flametorrent shouldnt be a problem for your healers. We made our tank us his cooldowns after first shield phase(when he gets his +firedmgdone buff through the casting of his aoe), and priest cd' (guardians) for the next ones, usually got 2-3 with each p1 so it worked out fine with just few cooldowns. And it made them be up again for p3.
I don't see anywhere in the notes where Aegis of Flames is actually applying a buff. This would probably be great information to add. What is the name of the buff Ignacious gains? I blacklist most buffs/debuffs (hide them except the ones that are important).
Execute for show, tank for dough.


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Your stamina is low because you're running dual avoidance trinkets, but you've already pointed out where to get viable stamina replacements. The Triumph badge armour trinket is also worth buying.
Replace that strength/def gem in your helm with 10 Agi/15 Stam. Replace 16 defense on your shield with 22 agi or 225 armour. Replace 22 defense on chest with +275 health. Enchant your bracers (40 stamina). Enchant your shield (18 stamina). Consider replacing Blade Ward with Accuracy (for threat; your current weapon is a poor threat option anyway) or Mongoose. Replace Armsman on your gloves with 20 agility or 18 stamina.
Paladins spec into SoC because it's useful in heroics, on trash and on fights which involve picking up adds. You can spare the point from Spiritual Attunement, because you only need 1/2 SA to not run out of mana in raids. You should strongly consider moving points from Conviction into Vindication - an AP debuff on the boss is extremely powerful at reducing incoming damage and has no opportunity cost for you to put up since it's applied automatically. You don't need Glyph of ShoR; Glyph of Seal of Vengeance is a huge threat gain and is mandatory, particularly at your current level of expertise.


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An open variant of Cooper Black. In the similar Cooper Tooled, the cut-outs are smaller and to the other side of the glyphs.
There are digital versions from ParaType and Wordshape.
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Cover for Lay In – Lay Out by Piet Schreuders1997
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Have a new idea?
|dringerb says:
I'd like to have some tasks repeat on the first weekday of each month. Currently it looks like you can only repeat on the first specific day like a Monday. But I want to be able to repeat per some logic like: "Repeat this task on the first day of each month, unless that day is a weekend, and then repeat it on the first Monday."
Posted at 6:54pm on September 14, 2008
|apgordon says:
Similarly, for work tasks (s: @work) I'd like to be able to postpone a task from Friday to Monday.
Posted 6 years ago
|losgehts says:
I really need this feature :/
Posted 2 years ago


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Sort by: Viator Recommends | Traveler Rating | Most Recent
Heraklion Suggested Itineraries
By Viator, November 2014
The fifth-biggest city in Greece, Crete's capital buzzes with energy, mixing ancient origins and modern-day big-city bustle. Away from Heraklion there are beaches for relaxing, ancient ruins to ... Read more
Top Crete Beaches
By Viator, November 2014
It's the largest island in Greece, so it's not surprising that Crete is ringed by gorgeous beaches. From hidden coves to wide white-sand beaches, there's a stretch of sand for every beach lover. The ... Read more
Multi-Day Tours from Athens
By Viator, November 2014
Although there's enough to see in Athens to keep you busy for years, look beyond the Acropolis to see what else Greece has to offer, whether you are an ancient history enthusiast, a sailor or a ... Read more
3 Days in Athens: Suggested Itineraries
By Viator, November 2014
2193 Ratings | Tours & Tickets
Athens - cradle of democracy and birthplace of philosophy. How much of ourselves we can trace back to ancient Greece is truly remarkable, but when visiting this magnificent city, its history is ... Read more
Secrets of Greek Cuisine
By Viator, November 2014
The secrets of Greek cuisine lie in fresh seasonal vegetables and produce, simple preparation, and age-old cooking techniques like grilling and barbecuing. For the ultimate souvenir of Athens, take ... Read more
Cruises from Athens
By Viator, October 2014
Most island-hopping cruises from Athens start off at Piraeus harbor, gateway to the 3,000 plus Greek islands that spill out in to the Aegean Sea from the mainland. Those closest to Athens include the ... Read more
Santorini Tours from Athens
By Viator, October 2014
There are few more striking contrasts than the cultural and aesthetic differences between the hot, dirty, bustling streets of Athens and the breathtaking beauty and windswept pleasantries found on ... Read more
Santorini Suggested Itineraries
By Viator, October 2014
One of the region's most popular holiday destinations, Santorini epitomizes the Greek Island beauty of blue-domed white churches, gravity-defying cliff-top villages and stunning sunsets. Explore the ... Read more
Crete Islands
By Viator, September 2014
Greece is known to have some of the most spectacular islands on earth, many spawning from Crete. Each island has its own history and is a great escape from the mainland. Our favorite islands include: ... Read more
3 Days in Rhodes: Suggested Itineraries
By Viator, September 2014
As the largest of the Greek Dodecanese islands, Rhodes' biggest draw might be its miles of pristine beaches, but there's plenty to do on the island besides top up your suntan and learn to windsurf. ... Read more
Day Trips from Athens
By Viator, August 2014
There is so much to do in the Athens area, from island hopping in the Aegean and consulting with oracles at Delphi to exploring ancient Corinth or wine tasting in Nemea. Most Greek island-hopping ... Read more
The Top Beaches near Athens
By Viator, June 2014
Athens may be Greece's most popular holiday destination but visitors come for the cultural explosion that is the Acropolis, Agora and world-class museums rather than lazing on the beaches. If ... Read more
Beaches of Rhodes
By Viator, June 2014
With vast stretches of coastline bordering the Mediterranean Sea to the southeast and the Aegean Sea to the northwest, the island of Rhodes offers plenty of choice for sun-seekers and its pristine ... Read more
Water Activities in Rhodes
By Viator, June 2014
With miles of immaculate coastline and sandy beaches, it's no surprise that most visitors to Rhodes spend the majority of their time by the sea, but there's more to do on the island than ... Read more
Classical Greece Circuit
By Viator, May 2014
To really immerse yourself in the glories of classical Greece, multi-day trips of several days can take you to the essential sites of Epidaurus, Mycenae, Olympia, Delphi and Meteora. There are ... Read more


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Don't trash a trusty hammer!
Wholesale funding remains a critical tool regulators shouldn't remove
- |
- Written by ALCO Beat
- |
- Comments: DISQUS_COMMENTS
By George Darling, Darling Consulting Group
The joint agency "Advisory on Interest Rate Risk Management" released on Jan. 6, 2010, was both timely and appropriate—but I say that with a "but." With this advisory the regulators have put the banking community on clear notice that they will be elevating their focus on the appropriateness of their interest-rate-risk management process and related risk-measurement activities. There is no question that the longer this historically low-rate environment continues, the greater the banking industry's potential exposure will be to rising rates as borrowers opt for longer-term, fixed-rate loans while depositors park money in shorter-term certificates of deposit and non-maturity accounts. (Editor's note: On Feb. 24, Federal Reserve Board Chairman Ben Bernanke told Congress that the exceptionally low-rate environment would continue for an extended period.
However, while challenging the banking industry to improve interest-rate management processes, the regulatory agencies have also re-established and re-emphasized their old aversion and distaste for wholesale funding sources, specifically brokered certificates of deposits (CDs) and advances from the Federal Home Loan Bank System (FHLBS). The pressure in this area is often applied by lowering liquidity grades on regulatory exams for those banks that make use of what examiners deem "excessive" borrowings. This message has caused some banks to curtail lending and growth, in order to reduce borrowing levels to appease the regulators. This creates a "no win" situation for most community and regional banks.
This paper, an expansion with fresh data and research on an earlier column for bankingexchange.com, attempts to identify the issues and explains why wholesale funding must be a necessary part of any bank's interest rate risk management strategy.
The issues
In today's historically low-rate environment, most bank borrowers desire to lock in rates on loans for an extended period of time (five years to ten years or longer). At the same time, depositors are choosing to "park" monies in short-term CDs and/or non-maturity money market or savings accounts. As a result, the exposure of the banking industry's net interest income to a rising interest rate environment increases with each passing day.
My firm, the Darling Consulting Group, recently reviewed the impact of rising rates on the net interest income of the 297 client banks in our proprietary database, which contains both current and historical balance sheet risk profiles. These clients are located in 46 states and represent combined assets of $260 billion. Currently, the combined annual net interest income of these banks is over $8.5 billion. Table I, below, shows the expected impact on net interest income of rates increasing over the next two years to the level of rates in the U.S. as of August 2007. At that time the yield curve was flat, with the federal funds target rate at 5.25% and the 2, 5, and 10 year U.S. Treasury rates at 4.15%, 4.25%, and 4.54%, respectively.
|Projected NII (000's)
|Base (No Rate Changes)
|NII (000's)
|Diff (000's)
|$ 8,572,483
|$ 8,345,151
|- 2.65%
|- 8.17%
|- 9.92%
|- 5.96%
|- 7.80%
Table I shows that, over the five year horizon, it is only in the fifth year that NII recovers to current levels.
Déjà vu all over again?
If we roll the clock forward and return to a similar flattening yield curve environment that we witnessed in August 2007, our analysis shows that most banks will likely experience some significant exposure to NII.
Table II below shows the number and percentage of the 297-bank sample that have varying levels of cumulative NII exposure over the first three years of the rising-rate, flattening-yield-curve environment. Banks with over 5% cumulative NII at risk represent just over 54% of the sample.
|Cumulative %
NII Exposure
|Number of
|% Banks
|- 2%
|- 3%
|- 4%
|- 5%
Based on the level of interest-rate-risk exposure outlined above, many of the banks in this group should be developing plans and strategies to reduce some of their exposure to rising rates. Unfortunately, the more efficient and effective options available to reduce the interest rate risk embedded in these banks' balance sheets are becoming increasingly limited. As a result of the recent credit meltdown, the onerous accounting constraints imposed by FASB 133, and both regulatory and legislative scrutiny, the use of interest- rate derivatives such as interest-rate caps, floors, and swaps have become either too risky or cumbersome for most banks to use to reduce interest rate risk.
Historically, the second, more likely option that bankers might consider to reduce exposure to rising rates would be the extension of wholesale funding, either with brokered CD's or with FHLB advances. This funding has traditionally been available in low-rate cycles in meaningful volumes and at costs significantly below term funding in local markets. Unfortunately, the current negative regulatory perspective of these funding alternatives has caused many bankers to shy away from these sources for fear of criticism and potential downgrades to their CAMELS rating.
This leaves bankers with only two options in their local markets:
• Write all loans on a floating-rate basis, to shorten asset repricings; or,
• Extend CD maturities to better match the terms of loans being originated.
The first option of only offering variable-rate loans is unrealistic if borrowers insist on longer-term structures that are available from competitors. The second option of extending deposit maturities is equally as difficult to accomplish. Most local depositors are unwilling to sell the bank money in the form of longer-term CDs.
What's wrong with wholesale funding?
Based upon what I've heard from bankers throughout the country, bank regulators are strongly discouraging the use of wholesale funding on bank balance sheets. The regulatory rationale for this position is that wholesale funding is more expensive, more interest-rate sensitive, and less reliable from a liquidity perspective than local market deposits. Additionally, regulators often blame wholesale funding sources for allowing banks to grow rapidly by originating high-risk loans (i.e. the use of wholesale funding, especially brokered CD's, is a major contributor to bank failures).
Since this negative attitude toward wholesale funding is widespread in the U.S., banks throughout the country are "paying up" in an attempt to attract more "core deposit" customers. This has led to rate wars and declining profitability in many geographic areas.
The question arises, "Are these funds really core deposits or are they rate-sensitive monies that will leave the bank when there are more attractive alternatives available elsewhere?"
Either way, the end result is a higher cost of funds for all banks both today and in the future. As a result, it is probable that banks will: need to charge more for loans; have lower operating income; generate less capital to support future lending; and, have increased levels of liquidity risk and interest rate risk than they would have if they had used FHLB advances and/or brokered CDs.
A better road
The prudent use of wholesale funding alternatives can: reduce interest rate risk; improve earnings; and, increase balance sheet liquidity.
• Reduced interest-rate risk: Term funding available from the FHLB or brokered CD market has significantly less optionality than local deposits. In most cases, FHLB term funding cannot be withdrawn from a bank so long as adequate collateral is pledged. In the case of brokered CDs, there is no early withdrawal allowed, except for a "death put" (e.g. the depositor must expire for early redemption). Most local deposits can be withdrawn without penalty or with a three- to six-month early withdrawal penalty.
• Improved earnings: Wholesale funding, especially term funding, is usually available in volume and is ordinarily less expensive than raising deposits in the local market. To obtain term funding usually requires high-rate "CD specials."
For example, current FHLB advances for one year are available for 55 basis points, while 13-month CD specials are offered at 2.25%. These specials not only carry a high nominal rate, but also usually result in conversion of monies from other, lower-rate accounts within the bank. This results in a significantly higher marginal cost of funds for the term funding being raised. Wholesale funding is often the most cost effective alternative. This is particularly true today!
• Increased balance sheet liquidity: The use of wholesale funding sources often results in improved balance sheet liquidity. For example, if an FHLB advance, using otherwise "illiquid" loans as collateral, is used to purchase an agency security, balance sheet liquidity improves. If a five-year brokered CD is used to replace a short-term municipal deposit collateralized with securities, liquidity is improved by "freeing up" security collateral and extending a deposit to five years where there is no "early withdrawal" option (with the exception of the death put).
Used properly, wholesale funding is a very effective liquidity management tool. There is no definitive evidence that the use of wholesale funding, specifically brokered CDs, is a culprit in bank failures. The banks that have failed in this economic downturn have failed because of poor asset quality and/or excessive credit-risk concentration. The use of wholesale funding to support this lending was a symptom and not the cause of their demise.
Assessing genuine risks
Without question, there are risks associated with wholesale funding sources. These risks vary depending on the source, but can be categorized as credit-sensitive risk and legislative and regulatory risk.
• Credit-sensitive risk: Funding sources that are collateralized either by securities or loans are at risk because of the underlying collateral that secures this type of funding. If loans become delinquent or default, this collateral must be replaced or the lender has the right to cancel the borrowing and demand immediate repayment. Borrowings secured by investment collateral are subject to margin calls if the value of the securities pledged falls below a stipulated level. If additional collateral is not forthcoming, the lender has the right to cancel the borrowing and liquidate the collateral.
Brokered CDs can also be considered as credit sensitive in that, if a bank fails, any brokered CDs in that bank immediately stop accruing interest. Even though principal and interest are insured up to the date of bank closure, there is often a delay between the date of closure and when the CD customer may receive payment from FDIC. Most brokered CD customers understand this risk and are, therefore, hesitant to renew or place CDs at banks with deteriorating balance sheet positions.
• Legislative and regulatory risk: The focus of most legislative and regulatory risk is primarily directed at brokered CDs. The FDIC Improvement Act of 1991 prohibits banks that are below a "well capitalized" status from issuing or renewing brokered CDs without a written waiver from FDIC. Also, banks under formal regulatory enforcement orders are ordinarily also prohibited from issuing or renewing brokered CDs without a written waiver. Banks that issue brokered CDs should be aware that these waivers are rarely granted.
Every banker that uses wholesale funding needs to be aware of the risks associated with each funding alternative and take these risks into consideration as part of their contingency funding plan.
Bankers face unenviable choice
As a result of regulatory pressures to reduce dependence on wholesale funding in favor of local deposits, an increasing number of bankers are being faced with choosing the lesser of two evils. Would they rather be criticized for their dependence on wholesale funding or for ever-decreasing net income and increasing exposure to liquidity and interest rate risk?
Regulators need to become more realistic about the funding needs of the banking industry. They need to stop vilifying the use of wholesale funding and recognize that they are a necessary part of the funding mix for every bank; either because they are more cost effective or because they play an important role in the management of liquidity and interest rate risk.
By the same token, bankers need to understand the risk/reward of these funding alternatives and be prepared to justify the use of non-local funding sources to regulatory agencies and articulate why they believe they are important balance sheet management tools.
Each bank should have a clear understanding and be able to explain: the business purpose; the reliability and; the cost effectiveness of each funding alternative. They need to demonstrate that, while they want to please regulators, they are not going to jeopardize the viability of their banks by impairing earnings and taking on potentially fatal levels of liquidity and interest rate risk that may result from an unrealistic dependence on local deposit markets.
About the author
George Darling is CEO of Darling Consulting Group, Newburyport, Mass. Darling and the consultants of his asset-liability management firm write the bankingexchange.com "ALCO Beat" column. Darling's professional experience includes: thirty years with his own company, two years as a senior executive with a $2 billion financial institution, two years with a Big Five Accounting firm, and ten years with IBM. He is a nationally-recognized resource for assisting financial institutions in the areas of interest rate risk management, liquidity management, and capital planning.
Tagged under Management, Financial Trends, Community Banking, ALCO, Rate Risk, ALCO Beat, Risk Management,


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Offers of a free vacation can be hard to resist, but be skeptical of anyone who promises you an all-expenses-paid getaway. In many cases, the trip isn't really free, or the offer turns out to be next to impossible to redeem.
North Carolina consumers have reported getting mailings, phone calls, faxes or emails that claim they've won travel prizes such as a free cruise or a pair of airline tickets. You're then told to attend a travel presentation in person to collect your free gift.
The presentation usually includes a high-pressure sales pitch to spend hundreds or thousands of dollars on a travel club membership. You either wind up having to pay fees before you can claim your "free" trip, or the trip is so difficult to redeem that you're forced to give up on it.
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The CHOW Recipe Challenge
- j
- jsantopietro Jan 7, 2011 10:50 AM
Calling all home cooks!
We want to know what you're cooking in 2011 and to feature the very best food that Chowhounds have to offer.
Submit your best post-holiday healthy vegetarian main dish by January 14. Use our recipe publishing tool, here: http://www.chow.com/recipes/publish Photos of your dish are encouraged. Don't forget to post the link for the recipe back into this thread!
The CHOW Kitchen Editors will select three runners up. We'll make the three dishes, photograph them, and then ask you to vote for the winner in this thread. We will post the winning recipe on CHOW.com's Recipe Hub and will send it out to thousands of subscribers to the CHOW.com Recipe of the Day Newsletter. (Are you a subscriber? You should be! Sign up in the newsletters tab on your profile.) You can expect some cool CHOW schwag in the mail, as well.
We know our community is full of amazing cooks with discerning palates. Let's see what you've got.
- Jill Santopietro, CHOW.com Senior Food Editor
Healthy comfort food... For all the "Mac 'n Cheese" Lovers out there! Here's a totally-cravable, healthier, vegan alternative: http://www.chow.com/recipes/29269-kat...
Here's my recipe for Smoky and Spicy Vegetarian Chili
Here's my link to my grilled eggplant and risotto torte: http://www.chow.com/recipes/29282-gri...
This is my husband's favorite: Mexican Lasagna. It's healthier than it sounds! http://www.chow.com/recipes/29284-mex...
re: Kreativekitchen
The pic:
Just published my recipe for an easy, hearty slow-cooker bean soup recipe - vegetarian or vegan or neither - you decide! http://www.chow.com/recipes/29285-slo...
My favorite vegetarian dish? These black bean veggie burgers. Delish!
Thanks to all those who have submitted recipes. So far they are looking really good! The last day to submit a recipe is this Friday, January 14th. If you haven't entered your recipe yet, don't miss out. Post it to the CHOW recipe tool, http://www.chow.com/recipes/publish and link it in this thread!
Looking forward to see what you've got!
Jill (from the Chow Kitchen)
My favorite way to get healthy (and counteract the standing rib roast, hot buttered rum and gobs of Roquefort) is to use big, bright, bold flavors so I don't feel like I'm missing anything. The dish that really exemplifies this is my Spicy Seared Tofu Tossed with Sweet Crunchy Greens & Baked Won Tons Recipe - http://www.chow.com/recipes/29290-spi...
The crimini mushrooms in my mushroom bolognese are chopped into different textures, resulting in a very traditional (meaty) bolognese texture. It's a great winter go-to, and because it's meat-free and full of vegetables, it's really healthy too. But I make it simply because it's my favourite ragu for pasta! http://www.chow.com/recipes/29291-mus...
Fresh and healthy, Greek salad with orzo brings a bright taste of summer to a cold winters' day:
Great submissions, everyone. Just a reminder that the last day to post a recipe is tomorrow.
Thanks to all those who are participating!
Here is my spaghetti squash recipe, so much tastier than plain old pasta! http://www.chow.com/recipes/29316-spa...
This pizza sounds strange but it is absolutely delicious! http://www.chow.com/recipes/29317-gus...
Thanks to all who participated in the healthy vegetarian recipe challenge. Your dishes look great! We will post the three recipe finalists (with photos) on Monday January 31st, and let YOU, the Chowhound community, vote on the winner. (You will have one week to submit your votes.) The winner will be announced the week of February 7th. In the meantime, we'll be busy cooking your creations. Good luck!
Jill (CHOW.com kitchen)
We asked the CHOW community for their best healthy vegetarian main dishes, and they provided. It was a tough decision to choose just three finalists—but here they are. Now it's time to vote! So take a look at these three recipes: Which one looks most delicious? Which of these healthy vegetarian main dishes do you most want to make? For the thread on CHOW.com, click here, http://www.chow.com/food-news/72167/v... or read below.
cathyeats's Smoky and Spicy Vegetarian Chili, http://www.chow.com/recipes/29281-smo...: We liked this start-from-scratch chili for its layers of flavor and snappy heat.
yasmin le sauce's Mushroom Bolognese, http://www.chow.com/recipes/29291-mus...: This recipe, which replaces the ground beef with ground mushrooms, proves that it's possible to get earthy, "meaty" flavors from vegetables.
JKMillerInc's Spicy Seared Tofu (or Tuna) Tossed with Sweet Crunchy Greens & Baked Won Tons, http://www.chow.com/recipes/29290-spi...: This dish, which could be served as either an appetizer or entrée, has nice contrasting textures—marinated smooth tofu, crispy wontons, and crunchy cabbage salad—and bright flavors.
You have all week to vote for the winner, until 11:59 p.m. on Sunday, February 6. Send your vote to firstname.lastname@example.com. The winner will be announced next week.
Good luck to the finalists! And thanks for participating!
Hi Chowhounds - Only 4 more days to vote for the CHOW member recipe winner. Send your vote to email@example.com
And the winner of the CHOW Challenge (your best healthy vegetarian main dish) is....yasmin le sauce's Mushroom Bolognese. http://www.chow.com/food-news/72827/t...
Thanks to all the Chowhounds who submitted recipes and voted. Congratulations to the finalists: cathyeats and JKMillerInc - your dishes were delicious.
To check out more of Yasmin's recipes, go to her Le Sauce blog: http://lesauce.typepad.com/le_sauce/
The next Chow Recipe Challenge begins next week. The topic is boneless, skinless chicken breast. Known as one of the more boring cuts of meat, it's often avoided on menus by chefs. Prove us, and them, wrong by submitting a chicken breast dish that's both delicious and healthy. From Monday, February 14, until Friday, February 18, enter your best chicken breast dish and win!


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Paul George
Paul George is ready to put "superstar power back into the dunk contest." George made his national debut in the event in 2012 but lost to Utah Jazz forward Jeremy Evans.
(Photo: Andy Lyons/Getty Images)
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You kids. I slave all day over a hot keyboard, and every year I get a record amount of hits just from people looking for pictures from Disney's latest animated features. But who am I to argue? Here are the latest publicity shots from the upcoming Disney animated feature The Princess and the Frog.
I'm excited about this one, especially after seeing the film's first act at the D23 Expo. A couple of the characters' designs bother me, looking a little more Bluth than Disney, but the filmmakers seem to have the story and characters locked down perfectly. The first act breezed by, getting a number of important story beats across without dwelling on them unnecessarily or in a heavy-handed manner. It showed a deft touch that was refreshing and appreciated.
I received a review copy of the film's soundtrack yesterday, and a review is forthcoming. It's a good one, though – Randy Newman's songwriting combined with talented voice artists makes for a pleasing New Orleans vibe that will blend well with the film's lush visuals.
For now, though, enjoy the pretty pictures!


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Recommended served warm (106 degrees), this delicious and relaxing beverage was blended to revive the delicacies and keen insights of the ancient Aztec tribes of Central America. Passed from generation to generation, our take on this blessed drink brings you the sensational benefits of anti-oxidant rich cacao and the powerful digestion aid blend of spices to create a tasty healthful experience.
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Wednesday Competitive League - sign up as a team with individual requests accommodated as space allows. Two draws at 6:15 pm and 8:30 pm with games evenly split between the draws for 10 weeks. After the first 10 weeks, teams are split into an upper and lower flight and play another 10 weeks. Any curler must have a minimum of 2 years of experience to play in this league.
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Mona Singh who is popularly known as 'Jassi Jaisi Koyi Nahi' has finally broken up with her boyfriend whom she is dating for two years, Vidyut Jamwal. Vidyut's Bollywood venture and unable to spend much time with Mona is tou
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It has been a fortnight since Mona Singh was caught in the MMS scandal. She immediately filed a complaint with the Cyber Crime Cell, and the police acted upon it pretty quickly. It was determined that the face in the video was morphed and not of Mona Singh, as stated. It obviously caused a lot of


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The Western High Speed Rail Alliance's inaugural conference, held in Las Vegas in mid-October, brought industry professionals together to tout the benefits of high-speed rail and highlight projects and the need for funding and support.
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Lydia and Vicki call out Slade on his negative comments.
If one thing is for certain, it's that the OC housewives know how to use the word bitch.
Tamra makes nice with Jim and Alexis.
Ryan holds nothing back as he expresses his feelings to Brianna and Vicki about what he thinks of Lydia's mom.
Everyone is ticked off at everyone when the OC ladies come together Vicky's party.
Vicki confronts Slade over the comment he has made about her looks.
Vicki's son-in-law gets very upset and kicks Lydia's mom out over her disrespecting the house.


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Declaration of Compliance
Convenient translation. The German version prevails.
In accordance with Section 161 AktG (German Stock Corporation Act), the Board of Directors and the Supervisory Board of Wincor Nixdorf AG issue the following declaration of compliance:
Since its last declaration of compliance on November 25, 2013, Wincor Nixdorf Aktiengesellschaft has complied with the recommendations of the Code of the Government Commission on German Corporate Governance, in the version dated May 13, 2013 (published in the Federal Gazette on June 10, 2013), and with the recommendations of the revised version of the Code, which came into force on June 24, 2014 (published in the Federal Gazette on September 30, 2014), and will, in future, comply with the two exceptions detailed below:
1.The D&O insurance policy agreed by Wincor Nixdorf Aktiengesellschaft does not feature a policy deductible for the Supervisory Board (Section 3.8 Paragraph 3 GCGC).
Reasons: The D&O insurance policy agreed by Wincor Nixdorf Aktiengesellschaft does not feature a policy deductible for the Supervisory Board, in particular no such deductible of at least 10% of the damage up to at least one and a half times the fixed annual remuneration. The D&O insurance policy was taken out for a significant number of management staff across the entire Wincor Nixdorf Group, at home and abroad, including members of the Company's boards. When the policy agreement was signed, it did not appear proper to differentiate between Board members and other management staff; equally there was no legal requirement to do so. Effective from July 1, 2010, only insurance policies for members of the Board of Directors were to be amended pursuant to Section 93 (2) Sentence 3 AktG (German Stock Corporation Act) in conjunction with Section 23 (1) Sentence 1 EGAktG (Introductory Act to the Stock Corporation Act). There is no stipulation in the legislation (Section 116 Sentence 1 AktG) of a mandatory policy deductible for the Supervisory Board; indeed, the Supervisory Board is specifically exempted from such a mandatory policy deductible. Given the nature of the role of the Supervisory Board, which is also evident from that Board's different remuneration structure, this distinction in the treatment of the Board of Directors and the Supervisory Board appears commensurate, especially since the insurance policies have not been changed for other senior managers. Consequently, it does not appear proper to extend the policy deductible in the D&O insurance policy held by Wincor Nixdorf Aktiengesellschaft to members of the Supervisory Board.
2.In setting the level of remuneration paid to members of the Supervisory Board, no account is taken of chairmanship of any committee other than the Audit Committee, or of membership of any of the Supervisory Board committees (Section 5.4.6 Paragraph 1 Sentence 2 GCGC).
Reasons: Remuneration for mere membership of a committee is deemed unnecessary. As regards the activities of the Supervisory Board, practice has shown that the vast majority of committee meetings are scheduled to coincide closely with meetings of the Supervisory Board itself. Chairmanship of the Audit Committee is remunerated separately due to the additional time and effort required by the role.
Paderborn, November 25, 2014
Wincor Nixdorf Aktiengesellschaft
|On behalf of the Supervisory Board
|On behalf of the Management Board
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This consumer information fact sheet explains what medical errors are and what you can do to prevent medical errors from occurring in your own health care.
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Beethoven: String Quartets Op 59 Nos 2 & 3
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Beethoven: String Quartets
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Movement 1: Andante con moto Allegro vivace
Track 5 on CDH55021/8 CD4 [10'27] 8CDs Helios (Hyperion's budget label) Deleted
Movement 2: Andante con moto quasi allegretto
Track 6 on CDH55021/8 CD4 [9'21] 8CDs Helios (Hyperion's budget label) Deleted
Movement 3: Minuetto: Grazioso
Track 7 on CDH55021/8 CD4 [5'02] 8CDs Helios (Hyperion's budget label) Deleted
Movement 4: Allegro molto
Track 8 on CDH55021/8 CD4 [6'09] 8CDs Helios (Hyperion's budget label) Deleted
Germane to the work as a whole is the chord of the diminished seventh (three minor thirds on top of each other). This is the most famously ambiguous chord in music — someone called it the Clapham Junction of music because you can go almost anywhere from it. It pervades the strange searching introduction, where it receives cryptically exhaustive treatment. Beethoven was dismissive of its too frequent use — by Weber, for instance — but here he explores in it mysteries undreamed of by any other composer. It gives way to the very bright C major Allegro — but in that, too, we find the diminished seventh has a role. Notice the successive entries of the instruments at the recapitulation, on successive notes of the chord. The development has at its heart a magnificent repudiation of this chromaticism, the first two notes of the movement transformed into a mighty song of mountain air. But far from dispelling the mystery, it heightens it.
The A minor second movement is unique in Beethoven, who wrote nothing else like it. Like the introduction to the Quartet, it has a fixation, but on themes as well as harmony. In rhythm it is also obsessive and there is a fateful fascination about it. The design is also unusual, a sonata form with reversed recapitulation, making a point of the polar opposition of the tritone A and E flat (the diminished seventh consists of two overlapping tritones!).
After this the C major Minuet is a period of repose, a soothing influence, switching on normal light. It is beautifully composed, concealing the skill of its smooth counterpoint. The Trio is more lively and homophonic, in the key of F.
A link leads straight into the tumultuous finale, beginning with the fieriest fugato Beethoven had yet conceived. Defiance and energy are shot through the music from start to finish, in what is to date the greatest of Beethoven's finales. If you listen acutely you will hear an anticipation of Egmont in it (the coda of the Overture).
from notes by Robert Simpson © 1991


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SEATTLE— The Seattle Sounders and designated player Christian Tiffert have agreed to part ways after the sides agreed to a buyout.
Seattle announced the expected roster move just hours before its season opener against Montreal on Saturday. The move opens a designated player spot on Seattle's roster and the Sounders have been in talks with Spanish club Levante about acquiring striker Obafemi Martins.
Tiffert played just one half of a season in Seattle. He joined the Sounders in the middle of the 2012 season and made 12 appearances, but found himself in a wash of talented midfielders on Seattle's roster with the emergence of Mario Martinez, the return to full health of Steve Zakuani and the recent acquisition of Shalrie Joseph.


text:
Classical Trumpet Concertos
Archive ServiceCDA67266
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Movement 1: Allegro con spirito
Movement 2: Rondo
Movement 3: Rondo
The opening movement is thoroughly modern in outlook, and grand in scale, form and orchestration, requiring a sizeable orchestra. With the chromatic and tonal flexibility of Weidinger's new solo instrument, Hummel was able not only to exploit the keyed trumpet's ability to play expressively in its low register but also to modulate into extreme keys. The result is a splendid movement for both soloist and orchestra which contrasts the striking opening with a more light-hearted second subject. The following 'Andante'—serious, often quite dramatic in character—shows the keyed trumpet to have many of the qualities of a wind instrument, providing it with flowing runs and novel trills. The Finale, the most light-hearted of the three, conceals a march by Cherubini which at the time of the first performance would have been well known; no longer familiar to us, the joke is today usually lost. The writing throughout the movement provides the trumpeter with virtuosic trills and flourishes in a variety of keys. This concerto clearly suited Weidinger, for he kept it in his repertoire for many years.
from notes by H C Robbins Landon & Crispian Steele-Perkins © 2001


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Federation Commander
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Basic Ship Combat Tactics Primer for SFB / FC ?
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Lieutenant SG
Joined: 30 May 2010
Posts: 150
Location: Geneva CH / Manila RP
Posted: Sat Jun 26, 2010 9:22 am
Post subject: Basic Ship Combat Tactics Primer for SFB / FC ?
Dear SVC and Friends,
Is there somewhere out there a primer on basic and intermediate tactics on ship, squadron and fleet combat for SFB and FC ? I know there are great paragraphs and articles on advanced tactics and some elements of basic tactics for particular systems in this thread, Captain's Log and what have you, but I haven't really seen much on general and beginning tactics as a whole.
I really need this since I've been more of a ground pounder in my gaming career, and haven't really got a feel of good squid-manship (with due respect) despite almost 3 decades of on-and-off playing !
There are some good "tidbits", but what I am looking for would be a primer that would give a wholistic view of tactics. Something like those primers for chess novices would be great, or an "SFB / FC for Dummies" Maybe even some more comprehensive discussion of the differing tactical philosophies and doctrines among empires would be great.
The article "Starship Combat Maneuvering" by Commo. Patrick Doyle in FC Briefing 1 is great. It should be followed up with other aspects of Captaincy - ie energy allocation, weapons, shields and defenses, etc.
In fact, this could even be a new product line - tactics manuals per empire !!!
Cheers !
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Joined: 09 Oct 2006
Posts: 4478
Location: Middle Tennessee
Posted: Sat Jun 26, 2010 12:42 pm
Post subject:
is what you're looking for?
It's primarily for SFB, but many of the tactics are usable in Fed Comm, too.
Scoutdad's minis photos here!
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Fleet Captain
Joined: 23 Sep 2007
Posts: 1967
Location: Devon, UK
Posted: Sat Jun 26, 2010 2:23 pm
Post subject:
You could also look back through this forum section. Some of the threads have not only basic tactics and discussions on them, but also full-scale articles like this one:
You will find this forum section to be a rich repository of tactics good )and less good), interesting discussions and even many tactics that ended up being published in Captain's Log.
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Fleet Captain
Joined: 01 Feb 2007
Posts: 2929
Location: Seattle, WA
Posted: Sat Jun 26, 2010 7:46 pm
Post subject:
Commodore Doyle also usually has a major tactics article or two in each FC Briefing.
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Lieutenant SG
Joined: 30 May 2010
Posts: 150
Location: Geneva CH / Manila RP
Posted: Sun Jun 27, 2010 6:27 am
Post subject:
Scoutdad wrote:
is what you're looking for?
It's primarily for SFB, but many of the tactics are usable in Fed Comm, too.
+++Memory Flashback+++ Yes Scoutdad, wow I now remember this ! I saw the SFB Tactics Manual at my brick and mortar FLGS (good ole' Compleat Strategist in mid-town Manhattan, where I conduct an at least annual pilgrimage) years ago, but at a time when I was taking a break from the SFU. (Am now kicking self).
Ok, time to order one ! But perhaps a truly FC-dedicated Tactics Manual should be produced, to include a compilation of relevant articles from CL.
Thanks !
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Joined: 14 Jun 2010
Posts: 9
Location: Waterloo, IL
Posted: Mon Jun 28, 2010 6:16 pm
Post subject:
Two of my friends and I played SFB about 25 to 30 years ago during our late teens and have managed to stay close over the years. Recently we started playing FC. It has quickly become our favorite tabletop strategy game, and has scratched our SFB itch that we had during our younger years. I've only read through the FC Reference Rulebook twice so I'm still absorbing and memorizing some of the crunchy bits.
I've already swallowed the lemonade and bought all the products for our six player STL gaming group (KB, RB, KA, RA, TA, DK, HA, OA, BA, Line of Fire, Boosters #0-27,91-92, and Briefing #1,2, Reference Rulebook). I really like that ADB puts alot of ships and scenarios online under their Commanders Circle player resources and greatly supports the SFB and FC community. I'm also grateful that so many on the forums have been avid SFB and now FC players for many years. You guys are a great resource and I find myself reading through tons of FC threads.
I've been trying familiarize myself once again to the different SF races and their play styles (25 years absent is a long time) and wanted to get some feedback from some veteran players to see if I'm on the right track. Here is just a brief synopsis of most of the races:
- Average to weak turn modes, average power curve, Crunch FA arc race w/excellent phasers. Best ships for power, balance and effectiveness seem to be NCL, NCA, CS. They live or die by their photons. Ships tend to have 1 or 2 drones racks.
- Good to excellent turn mode, excellent power curve, great firing arcs, average phasers and all weapons are energy-on-demand every turn. Somewhat of a finesse race since they can Charge, Saber Dance, Shallow Saber Dance, and Waggle. Best ships for power, balance and/or weapon arcs seem to be F5W/D5/D7/C7. Ships tend to have 2 to 4 drone racks.
- Good turn mode, good power curve and every turn firing w/phasers, disruptors and lots of drones. Somewhat of a finesse race since they emulate most of the Klingon tactics. Once they are ready to strike they follow the Drone Wedge as they Charge or close to 1 range and Anchor their opponent then Crunch w/drones. Ships tend to have 4 or more drone racks. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
- Average to good turn mode, speed 16 cloaked, slow arming plasmas, decent phasers. Definitely a finesse race and one needs to master cloaking/uncloaking and plasma strategies (normal, quick loading Pl-Fs and Plasma-Bolts) to be effective. The best ships for power and balance seem to be the third generation Hawk ships, especially the smaller SeaHawk and Skyhawk.
- Poor to Average turn mode, good to excellent power, slow arming plasmas, lots of Ph-1s. Need to use EM to close then decide when to fire their phasers and plasmas (normal, quick loading Pl-Fs, Plasma-Bolts or Carronade). They tend to be more reactive and see how close their opponent will let them close before they decide to launch normal plasmas or bolt them. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
Lyrans LDR
- Probably the best no weakness ships; excellent power and turn modes, long range (Disr/Ph-1) and devastating short range (Ph-G/ESG) fire power, and sturdy. Their ships like to get up close and personal and if you let them get to range 0-1 your in a world of hurt. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
- Good power and turn mode ships that are sturdy for their size. They are deadly at range 0-3 with (Ph-G/Fusion/Stingers). They fire long range HB's and use EM to help them Charge to range 0-2 with their fighters trailing, then, they use Ph-G/Fusions and send their Stingers for strafing runs. Similar to the Lyran LDR in that if you let them get to range 0-2 its probably lights out. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
- Poor turn mode and weak to average FA weapon arcs. Lots of Ph-1s/Ph-3s, twice-firing PCs, and SCs. All weapons are energy-on-demand. They need to use their superior number of Marines and transporters and H&R and/or board their enemy if possible. They can poorly Saber Dance with their FA arc PCs or Charge and H&R. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
Tholians & Neo-Tholians
- They are dirty fighting race. Never expect a stand up fight against the Tholians. Ships have good power and weapon distribution with Ph-1s/Ph-3s and Disr/Phot. Lots of rear firing Ph-3s allow them to hit and run and snipe at you if you pursue. Web generators which are typically only effective with multiple ships in your fleet. Neo-Tholians add WC which add quick solidifying mobile terrain which is extremely effective in combat. The primary limitation against using Neo-Tholians is that they can only make up 1/3 of your fleet. Basically, use your webs to create obstacles for your enemy and cover for yourself, while you can still shoot through your webs. I haven't experimented with the ships enough to know which seem to be the best for power, balance and effectiveness.
Orion Pirates
- Excellent power, speed, and turn modes w/lots of weapon variety and stealth. At equal range their stealth gives them an advantage but their achilles heel is their predominantly FA arcs for most of their weapons. All their ships from the smallest to the BR all seem to be very effective for their cost.
and I
- No idea. I definitely need some help here.
Semper Fi
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Patrick Doyle
Lieutenant Commander
Joined: 18 Aug 2007
Posts: 208
Location: Norfolk, VA
Posted: Wed Jun 30, 2010 5:15 am
Post subject: Fed Com Tactics Manual
actually a tactics manual is in the works. I am always looking for contributions. A good portion of it is done, however real life has slowed down the progress. I am compiling and writing articles that will be submitted to SVC once it is completed. Don't expect it anytime soon but it Is in progress.
And this is for everyone - whAt I really need are empire specific articles. Terry O'Carrol provided a great Seltorian article. Even if you don t have a complete polished article, I can clean up a rough draft. I am not an expert on every empire so any help is appreciated.
Also, if there are specific topics that you wish to have covered, let me know so I can make sure the manual is as complete as possible.
Once again I have proven that even in the future, your photon torpedoes are built by the lowest bidder.
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Lieutenant SG
Joined: 30 May 2010
Posts: 150
Location: Geneva CH / Manila RP
Posted: Wed Jun 30, 2010 7:19 am
Post subject:
Dear Patrick,
Fantastic news ! I'd like to recommend that the manual be written perhaps with a view to also attract a broader audience for FC, ergo emphasize that FC would be a useful tool to hone tactical skills. The broader audience would be the military community as a whole, and the general public which have not quite yet discovered the joys of board wargaming.
It should also include a "Naval Tactics 101" a very basic primer on the general principles of ship combat, even drawing on wet-navy examples.
Perhaps the manual could also come in a series - basic, intermediate and advanced, and/or squadron and fleet tactics editions.
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Antistreptolysin O (ASO) titer is a blood test to measure antibodies
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Bisno AL, Stevens DL. Streptococcus pyogenes. In: Mandell GL, Bennett JE, Dolin R, eds. Principles and Practice of Infectious Diseases. 7th ed. Philadelphia, Pa: Elsevier Churchill Livingstone; 2009:chap 198.
Bisno AL. Nonsuppurative poststreptococcal sequelae: Rheumatic fever and glomerulonephritis. In: Mandell GL, Bennett JE, Dolin R, eds. Principles and Practice of Infectious Diseases. 7th ed. Philadelphia, Pa: Elsevier Churchill Livingstone; 2009:chap 199.
Nussenbaum B, Bradford CR. Pharyngitis in adults. In: Flint PW, Haughey BH, Lund LJ, et al, eds. Cummings Otolaryngology: Head & Neck Surgery. 5th ed. Philadelphia, Pa: Mosby Elsevier; 2010:chap 13.
Comeau D, Heaton K, Gordon A. Rheumatology and musculoskeletal problems. In: Rakel RE, ed. Textbook of Family Medicine. 8th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 32.
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OMG i wouldnt even think of tanking any raid without toughness. Lose imp spell reflect and cruelty and get 5/5 toughness
Looking for some people to rip into my gear/armory/spec.
I've felt I may be behind on what is the in for tanking these days, and I found out the only way I learn besides looking up my self, Is to have someone give me harsh criticism. Fun times.
The World of Warcraft Armory
Just a little extra info on me I guess, I got Glyph of Sunder Armour and Glyph of Cleave, as I mainly pug heroics/10manNaxx/25manNaxx, ect and most of the people I run with are trigger happy. So the extra threat on mobs is nice.
I know I should get toughness, but I feel my vision of "3-4%" more damage reduction not a-peeling could be clouding my judgement.
Also, I'm thinking about getting more Expertise/Hit but not too sure on how to go about that, personally.
More extra info, Since my guild is a little slow at times and some people are "Fire, Do I move?". Access to Totc, and End-Ulduar can be hard. 25mans is also just pugs.
Yeah, so, Go ahead. I have 65Badges of Conquest, 31Badges of Triumph. My current goal is the T9 Chest.
OMG i wouldnt even think of tanking any raid without toughness. Lose imp spell reflect and cruelty and get 5/5 toughness
You don't need cruelty, you have enough crit chance on your main attacks through the talents in prot.
Here is a standard threat build.
Incite and Critical Block to keep Deep Wounds up for most of the time. I have 5.85% crit on character screen but usually 75-85% uptime on Deep Wounds during raid bosses and it contributes to 5-7% of overall damage.
But seriously, get Toughness because your armor is very low.
Crommi | Archaic Order | Lightning's Blade EU
Ok, Changed the spec. Is there anything else, that looks like it needs changing?
Well, you could fill in rest of the slots with epic quality gems and consider different shield enchant. Titanium plating is relatively weak compared to +20 defence and since you're right at the 540, it would give you some buffer to swap gear around without having to regem too much.
Crommi | Archaic Order | Lightning's Blade EU
You might also think about swapping the +18 stam to your mittens to the armsman enchant.
I would get headplate of the honorbound before the tier chest. 10m ToC has a nice chest of anub.
Just my opinion, mainly because block rating on the t8.5 helm is weak, as is your expertise, honourbound helm makes up for that. Honorbound is better then the tier helm.
Be a Champion, not a hero.
But er, 18stam vs 10Parry Rating, 2% threat?
I haven't had threat problems and I had Armsmen before.
Guess I'll swap to the 20 defense on the shield.
Also, I want to try and keep the 2set bonus from T8 as long as I can, because I'm stubborn like that.


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Latest update : 2011-12-01
The great oil rush in North Dakota
Move over Texas, there's black gold in North Dakota. We visit the state that is helping a surge in US oil production. Meanwhile, after two decades abroad, Panama's former dictator Manuel Noriega is going home to a lengthy jail term. Finally, she was born to be a die-hard Communist but Stalin's only daughter passed away in the United States this week.


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Item details
Double needle sleeve and bottom hem.
Unisex t-shirt, The Vampire Diaries merchandise.
Shoulders and neck are cover-seamed. A year-round essential, this shirt's style has been voted "most popular" by clubs, teams, groups, and schools across America.
Ribbed collar.
Shoulder-to-shoulder tape.
100% Cotton. Heather is 90/10 cotton/poly.
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