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Quotes & Info
|FFKT > SEC Filings for FFKT > Form 10-Q on 6-Nov-2013
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Quarterly Report
This report contains forward-looking statements with the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act") and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), under the Private Securities Litigation Reform Act of 1995 that involve risks and uncertainties. Statements in this report that are not statements of historical fact are forward-looking statements. In general, forward-looking statements relate to a discussion of future financial results or projections, future economic performance, future operational plans and objectives, and statements regarding the underlying assumptions of such statements. Although management of Farmers Capital Bank Corporation (the "Company" or "Parent Company") believes that the assumptions underlying the forward-looking statements contained herein are reasonable, any of the assumptions could be inaccurate, and therefore, there can be no assurance that the forward-looking statements included herein will prove to be accurate.
Various risks and uncertainties may cause actual results to differ materially from those indicated by the Company's forward-looking statements. In addition to the risks described under Part 1, Item 1A "Risk Factors" in the Company's most recent annual report on Form 10-K, factors that could cause actual results to differ from the results discussed in the forward-looking statements include, but are not limited to: economic conditions (both generally and more specifically in the markets in which the Company and its subsidiaries operate) and lower interest margins; competition for the Company's customers from other providers of financial services; deposit outflows or reduced demand for financial services and loan products; government legislation, regulation, and changes in monetary and fiscal policies (which changes from time to time and over which the Company has no control); changes in interest rates; changes in prepayment speeds of loans or investment securities; inflation; material unforeseen changes in the liquidity, results of operations, or financial condition of the Company's customers; changes in the level of non-performing assets and charge-offs; changes in the number of common shares outstanding; the capability of the Company to successfully enter into a definitive agreement for and close anticipated transactions; unexpected claims or litigation against the Company; technological or operational difficulties; the impact of new accounting pronouncements and changes in policies and practices that may be adopted by regulatory agencies; acts of war or terrorism; the ability of the parent company to receive dividends from its subsidiaries; the impact of larger or similar financial institutions encountering difficulties, which may adversely affect the banking industry or the Company; the Company or its subsidiary banks' ability to maintain required capital levels and adequate funding sources and liquidity; and other risks or uncertainties detailed in the Company's filings with the Securities and Exchange Commission, all of which are difficult to predict and many of which are beyond the control of the Company.
The Company's forward-looking statements are based on information available at the time such statements are made. The Company expressly disclaims any intent or obligation to update any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events, or other changes.
The Company reported net income of $3.0 million for the quarter ended September 30, 2013, a decrease of $56 thousand or 1.8% compared to $3.1 million for the third quarter of 2012. On a per common share basis, net income was $.34 and $.35 for the current and year-ago quarters, respectively. This represents a decrease of $.01 or 2.9%. Selected income statement amounts and related data are presented in the table below.
(In thousands except per share data) Increase Three Months Ended September 30, 2013 2012 (Decrease) Interest income $ 16,563 $ 17,578 $ (1,015 ) Interest expense 2,953 4,511 (1,558 ) Net interest income 13,610 13,067 543 Provision for loan losses (586 ) (256 ) (330 ) Net interest income after provision for loan losses 14,196 13,323 873 Noninterest income 5,678 6,166 (488 ) Noninterest expenses 15,984 15,347 637 Income before income taxes 3,890 4,142 (252 ) Income tax expense 855 1,051 (196 ) Net income $ 3,035 $ 3,091 $ (56 ) Less preferred stock dividends and discount accretion 489 481 8 Net income available to common shareholders $ 2,546 $ 2,610 $ (64 ) Basic and diluted net income per common share $ .34 $ .35 $ (.01 ) Weighted average common shares outstanding - basic and diluted 7,475 7,461 14 Return on average assets .67 % .66 % 1 bp Return on average equity 7.33 % 7.38 % (5) bp bp = basis points.
Net Interest Income
The overall interest rate environment at September 30, 2013, as measured by the Treasury yield curve, remains at low levels in historical terms despite a spike in yields during the second quarter particularly for the five and ten year maturity periods. Yields were relatively unchanged during the current quarter with the exception of the 10 and 30 year maturity periods, which increased 12 and 19 basis points, respectively. At September 30, 2013, the short-term federal funds target interest rate remained between zero and 0.25%, which is unchanged since December 2008. The Federal Reserve Board has indicated an objective of holding short-term interest rates at exceptionally low levels at least as long as the unemployment rate remains above 6.5% and inflation remains within its long term goals. The national unemployment rate was 7.2% at the end of the third quarter 2013. The near historical low rate environment makes managing the Company's net interest margin challenging.
Net interest income was $13.6 million for the current quarter, an increase of $543 thousand or 4.2% compared to $13.1 million for the prior-year third quarter. The improvement was made up of lower interest expense of $1.6 million or 34.5%, partially offset by a decrease in interest income of $1.0 million or 5.8%. The Company's overall cost of funds was 0.87% for the current quarter compared to 1.26% from a year ago. The decrease to interest income and interest expense is attributed to both rate and volume declines of interest earning assets and interest paying liabilities. Rate and volume declines are the result of an overall slow growing economy and related competitive pressures combined with the Company's strategy of being more selective in pricing its loans and deposits in an effort to improve credit quality, net interest margin, overall profitability, and capital position. The Company is generally earning and paying less interest from its earning assets and funding sources as the average rates earned and paid have decreased. This includes repricing of variable and floating rate assets and liabilities that have reset to overall lower amounts since their previous repricing date as well as activity related to new earning assets and funding sources in a low interest rate environment. In periods when loan demand is low, available funds are invested in lower yielding investment securities or cash equivalents.
Interest income and interest expense in nearly all categories of the Company's earning assets and interest paying liabilities have declined in the quarterly comparison. The $1.0 million decrease from interest income in the comparison is primarily made up of lower interest from loans and investment securities of $570 thousand or 4.1% and $450 thousand or 12.3%, respectively. The decrease in interest income from loans was driven by both a lower average outstanding balance of $29.0 million or 2.8% and an 11 basis point decrease in the average rate earned to 5.3% from 5.4%. Average loans have decreased primarily from a lack of high quality loan demand.
Interest income on taxable investment securities decreased $506 thousand or 16.4% due to both a lower average balance outstanding of $63.0 million or 11.8% and a 12 basis point decrease in yield. Average taxable investment securities have decreased as a result of a decline in long-term borrowings and deposits. Proceeds received from maturing or sold investment securities not needed to fund higher-earning loans have either been reinvested more into nontaxable investment securities or used to manage liquidity, such as for deposit outflows or repayment of long-term debt obligations. Interest income from nontaxable investment securities increased $56 thousand or 9.8% due mainly to an increase in volume of $19.9 million or 21.4%. While the average yield on nontaxable investments decreased in the comparison, average balances have increased as the related tax equivalent yields are more attractive as well as fitting within overall asset/liability management strategies.
The $1.6 million decrease in interest expense resulted from a reduction of interest on long-term borrowings and deposits of $837 thousand or 35.7% and $718 thousand or 33.5%, which lowered overall cost of funds to 0.87%. The decrease in interest on long-term borrowings is due to a $53.2 million or 23.2% lower average balance outstanding and a 67 basis point decrease in the average rate paid. The decrease in the average balance reflects a $50.0 million principal repayment during the fourth quarter of 2012 related to the Company's 2007 balance sheet leverage transaction. The average rate paid decreased mainly due to the repricing of $23.2 million of 6.60% fixed rate borrowings to a floating interest rate of three-month LIBOR plus 132 basis points, which occurred during the fourth quarter of 2012. The interest rate for this borrowing as of the last determination date during the quarter was 1.59%.
The $718 thousand decrease in interest expense on deposits is due to lower interest on time deposits of $726 thousand or 37.7%, which was driven downward as both the rates paid and volume have declined. The Company has repriced higher-rate maturing time deposits downward to lower market rates or allowed them to mature without renewal, as liquidity has been adequate. The average rate paid on time deposits was 0.95% and 1.3% for the current and year-ago periods, respectively. Average outstanding balances of time deposits were $499 million for the current quarter, a decrease of $74.8 million or 13.0% compared to a year earlier.
The net interest margin on a taxable equivalent basis increased 23 basis points to 3.36% for the current quarter compared to 3.13% for the same quarter of 2012. The increase in net interest margin was driven by a 28 basis point increase in the spread between the average rate earned on earning assets and the average rate paid on interest bearing liabilities to 3.19% from 2.91%. The increase in spread is attributed to a 39 basis point decrease in the overall cost of funds, which more than offset an 11 basis point decline in the overall yield on earning assets. The Company expects its net interest margin to remain relatively flat or trend downward in the near term according to internal modeling using expectations about future market interest rates, the maturity structure of the Company's earning assets and liabilities, and other factors. Future results could be significantly different than expectations.
The following tables present an analysis of net interest income for the quarterly periods ended September 30.
Distribution of Assets, Liabilities and Shareholders' Equity: Interest Rates and


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Cameron blames Labour naivety for NHS IT woes
Tory leader David Cameron used a speech in Trafford yesterday to make another attempt to gain credibility for his party's management of the NHS. He blamed the government for falling for the sales pitches of big IT providers and called for more local solutions to NHS IT problems. Cameron said: "It's one of the most shameful and …
Does Cameron have the first clue?
Great comment from Cameron and typical of him. Having a central database has many advantages and disadvantages - those related to security pretty much cancel out, a huge number of records in one place could lead to security issues if not properly managed, but having a large number of disparate databases each requiring a separate manager to patch etc. is equally risky. I've been involved in building large systems for banks - they tend to go for the centralised approach as it is easier (and therefore safer) to manage.
When is somebody going to challenge the Tory party's complete lack of IT understanding?
Death by Google
Google has 3 million medical articles online....and how many of them are actually accurate? Do I really want to be treated on the basis of articles most popular in Google?
"No problem" says the doc "you seem to have leprosy and terminal cirhosis - ahah - this article suggest that you take a dose of viagra, and even suggests some cheap suppliers. Isn't that handy?"
The existing NHS may not be brilliant, but I think I'll take my chances (just keep me off the database!)
Apples and oranges?
What's Cameron doing here? Comparing anecdotal medical stories passed around between patients with intra- and interhospital/GP moving/sharing of patient data? I'm sure the former is cheaper, but it's nothing to do with the latter.
"It is this evolution, Cameron claimed, which undermines the need for a huge, central database of medical records."
Is he saying that the NHS should store it's patient records on Google?
Is he saying that patient records should be retrieved by patients and then passed from patient to patient (or client to client as they are now called)?
Maybe his idea is that patients waiting in the surgery could do useful work by retrieving records from Google and then passing them to the doctor?
What is he actually saying?
I'm just an engineer with a long term working knowledge of english. Can anyone tell me what it actually means when a politician says things like this?
@ Mark Davies
"When is somebody going to challenge the Tory party's complete lack of IT understanding?"
Probably if/when they get into power and can be blamed for IT screw-ups on the same level as the ones circulating various government departments at the moment.
"distributed horizontally from patient to patient".
Much like, say, Chlamydia or Gonorrhea.
I'll get my own coat thanks, you don't want to be touching that...
Useful until...
.. something happens when I'm 100 miles away and they can't get hold of my GP - given they can work out who they are.
I guess he also thinks it's better to keep this all on bit's of paper as well.
Lets' get him to try to use the banking system with his records only kept by his local bank, he'll soon see the benefits.
Doesn't matter
Even if Cameron doesn't have a clue - as neither do the vast majority of voters - this sounds good, end of the day that's all politicians seem to care about.
Wake me up when someone starts talking sense and not pandering to current concerns or slating the opposition for carrying out policies the same as their own - then I might take my fat arse to a voting booth.
Am I missing something?
I really don't see why a doctor in Aberdeen needs access to my medical data if I'm knocked down by a bus in London. If I have a medical condition which might affect my treatment I could always wear a bracelet or carry a card like diabetics sometimes do - which could include the address of my GP who currently keeps my records.
Why not scrap this pointless IT scheme and employ some doctors in casualty and someone who can keep hospitals clean?
where's the problem?
But surely having so much critical information stored in one place would be protected by some security procedures policy like they have for the benefits data.
Oh! wait a minute...
Cameron = fool
The man clearly has has no idea.
It's actually a lack of proper management / change consultancy* that has resulted in the big IT vendors shoeing in systems without thinking through the requisite changes in culture and system adoption, training etc. This has resulted in the Clinician's perceptions that the systems don't meet their needs.
CFH seem to have jumped from "we have a problem, let's get some new systems" without resourcing the bit in the middle properly. To be fair they had little choice but to do so given the politicians had made so many bullish promises about transforming govt / healthcare without building an understanding of the problem / what needed to change before starting the procurements.
* declaration of interest - I'm a management consultant.
'Records should be kept locally by the patients GP'
,,,right. So the GP now has to understand security procedures, backup procedures, hardware requirements etc, not to mention that for electronic records to be of any use they need to be accessible by others, such as if Im admitted to A&E, so you need some kind of permissions system.
Cameron is clueless.
What a typical response from a clueless idiot. I'd rather know my data is in one central database rather than getting posted around the coutry on cd's and emails. The main security risk in any system is the human factor, increase the number of humans looking after all the hundreds of database and your bound to get more mistakes. I'd rather trust a secure system with my personal details than Doris who works on reception any day.
We all know how Google is...
Cameron has rightly complained about the NHS mega IT project, but he is wrong on Google. Google is well known for it privacy, i.e. none, such as keeping records of your searches for in the UK, for 2 <b>years</b>. I don't trust it to keep safe that one has a mental disability, privately.
Plus, should it be a concern about the links between Google and the Tories. Why Google, why not the hundreds of other companies? Plus, any thought on the NHS using the American VistA system, it is free (public domain) and it keeps the records of every US veteran.
Didn't do history at Eton then.
It was the Tories that started the whole pocket-lining farce running.
Huge amounts of dosh spent and none of it doing anything than either lining the pockets of IT consultants or diverting NHS funds from actually treating people.
We also had the start of 'competitive tendering' which meant cleaning and other work went to contracting agencies who also demand their slice of NHS money and then reduce the number of cleaners and support staff.
The Shiny Headed One ought to look back at the failed central records projects before instead blaming it on those who followed. It may well not help that NuLabor(tm)* also use the corporate model to ru(i)n what was public services but it does help to remember when the ball started rolling.
NuLabor(tm) a Bush/Haliburton company
makes no difference
whether you use a local or large company, except for the cost factor. large companies will just drill out more money because they know they can.
At the end of the day, the government (any, not just labour) are spending other people's money (ours). It's amazing how different corporations run their businesses when it's their money they are losing.
The problem is, they don't actually care how much money it costs, and they don't know what they want. Whatever company you choose to build your system, if you keep changing your requirements as you go, you'll never have the system you want. If you keep doing it, you simply delay the first draft, which will be so far from the required result that it will be publicly outed. Large org's are used to the shit they have to deal with, so charge accordingly. I'm not saying they're right, they're still money grabbing ba****ds but they know what they expect, and always lower their bid amount below actual expected cost. The lowest bid is never the cheapest, everyone knows that.
Did any once else think "Dr Nick" when they read Cameron's Google comment?
"Hello Everybody. Now just wait a minute while I Google 'vasectomy'. Ah there we go, Wikipedia has an article! Now sit very still!"
Loss of memory
Could this be the same Conservative party that employed the same consulting companies to build NIRS2? I worked for the DSS IT Services Agency throughout the 90s and I well remember the projects where these companies put in inexperienced graduates who worked alongside you for 5 weeks, disappeared to the states for their "training"; usually a Cobol course, and when they came back they were suddenly your boss. I saw some real heaps of crap put in place over those years and those systems still hold our data.
@frank denton
It makes my head hurt too when i try and think about it too hard, but really and as we've come to expect from politicians of all parties, he is making alot of noise but sadly saying nothing.
He might need it if you were knocked down by a bus in Aberdeen!
You seem to have a lot of faith in your GP who presumably works 24/7 and can track down and read the information in your Lloyd George envelope stored oh so securely behind reception where noone could get past the 93 year old receptionist.
Wake up and join the 20th century then maybe try to join the rest of us in the 21st!
Have to agree wholeheartedly with you. A central database is a lovely idea for banks where a large volume of clients will be wanting to use different branches of different banks to access their money but how many people just 'pop-in' to a different GP since they were in the area.
If patient data was held at PCT level then as long as there was a standard format for the data, and lets face it these are all medical records and I'm sure there is a fairly standard set of fields per patient and you could always add a couple of spare free-text ones for luck, if you were out of area then it would be possible to make an audited request to access your data from whichever PCT area you happened to be in. This isn't a complex solution and reduces the volume of data to much more manageable chunks better suited to fit a CD.
*Flame on*
I need a doctor..
..because I feel sick; I agreed with Dave "The Toff" Cameron about something and now my body is going into shock. I knew that I had an allergy to Tories.
Re: Am I missing something?
"I really don't see why a doctor in Aberdeen needs access to my medical data if I'm knocked down by a bus in London. If I have a medical condition which might affect my treatment I could always wear a bracelet or carry a card like diabetics sometimes do - which could include the address of my GP who currently keeps my records."
Sooo... you go to Aberdeen for a good old Highland ceilidh. And get knocked down by a late bus at 3.30 in the morning.
You could wear a bracelet, but let's say it came off in the accident and is now lying in the gutter at the accident scene.
You're wheeled into A&E unconscious. Doctor takes a look at you. Maybe he finds your GP's address in your wallet. Tries to ring, but surprise, surprise - the surgery's closed. All he's got to go on is your unconscious self.
Because you've been dragged along the ground, you've got lots of nasty lacerations full of tyre rubber, oil, petrol, microscopic bits of fag ends, vomit and dog shit - the normal mix of road dirt. So the doc decides to put you on ass-kicking penicillin-based antibiotics to try to stave off infection and gangrene.
Except you're allergic to penicillin and your records weren't on the national database.
So the question remaining is - would you like roses or lilies on your coffin?
Cameron should shut his stupid mouth until he knows what he's talking about. It would be nice never to hear from him again.
We know they know nothing about IT*, so why wont they listen to people who know?
And rather than outsourcing it, which ends up overpriced, delayed and wrong for the job, set up an IT department for the government. (In fact, put BOFH in charge, he'd sort those fat, lazy, self obsessed arseholes... I mean politicians... out). They could then plan things and do them right.
A centrtal NHS database is a good idea. You get taken to hospital, and the doctors there instantly know your medical history and can deal accordingly. Details are then added to your record of your treatment there and your doc knows next time you see him.
The problem is security, but this CAN be done. Banks dont loose peoples data, and they use centralised databases, so why can't a govt IT dept do the same?
Cameron is talking out of his arse and trying to win votes by telling the people what they want to hear (OK, that didnt need to be said, I know, "he's a politician" would've done).
And Google? Next thing he'll be telling GPs to stop getting medical books and journals, just look it up on wikipedia. IDIOT!
*Actualy about anything, but I was trying to be nice.
Why mess with google?
Surely all the medical knowledge you will ever need is available on Wikipedia?
And why mess with some expensive database thingy when you can store your medical records Facebook securly and for free.
(Actually this would work really well in attracting a "Silver Surfer" wrinkly crowd to facebook -- they can discuss thier operations and compare hip x-rays to thier pace makers content).
I'll just get my coat and Zimmer frame.
Hmm, sound familiar anybody
'Cameron said much knowledge was being added by patients themselves - and "distributed horizontally from patient to patient".'
mediwikipedia.com is only just around the corner...
@ Does Cameron have the first clue?
"When is somebody going to challenge the Tory party's complete lack of IT understanding?"
They seem to have understood it fairly well, you're simply judging them from the wrong perspective - that of someone who'd get fired if they didn't know what they were doing. He's working on the assumption that it will be run by ministers who haven't got a clue what they are doing and won't be accountable.
Accept that the system will be run by incompetents and design it to limit the potential damage of the inevitable cock-up.
I tend to agree with him actually...
I would prefer to have my medical data stored and accessed locally - how often does one need to receive treatment elsewhere that would rely on that data? If I change my GP, or need to receive treatment elsewhere that does require this data, that can be securely transferred - and preferably only the information required, not my whole history.
With a distributed system, it wouldn't be difficult to have pre-specified security procedures, with a centralised support service. Having worked in the public sector for the last 6 years I've seen too many times a poorly specified solution that doesn't match the problem. Cameron may not be an IT guru, but I much prefer his decentralised stance than Mr Bean's centralised command and control approach.
Just my 2p.
Yes you are missing something. The NPfIT has been very badly sold and there's a lot more to it than is reported. It's not just a bunch of patient records stored on the Spine but a whole suite (eventually, anyway) of clinical applications that will replace some frankly hideously outdated systems that no longer match the needs of the modern hospital. The problems, IMO, arose because they decided to allow multiple companies/conglomorates, to pitch their solutions on a regional basis rather than having one master plan, one national solution, one standard. Well, that and the government couldn't organise a piss-up in a brewery if they had to use a computer to do it.
To go back to your example of being knocked down by a bus in London, which has many hospitals covering various areas for A&E treatment. In order to provide the best, safest care for you upon your splattered admission, no matter which hospital ends up treating you they need to know if you are currently taking any prescribed medication (on a short term basis) that you may have left at home, for instance, or are you allergic to ibuprofen or have you recently recieved a certain type of general anaesthetic?
How good would it be if you were taken to have an MRI scan and they didn't know you had a pacemaker?
There are many clinical benefits to the NPfIT and, of course, many challenges (i.e. complications if they're going to get around the potential security/privacy SNAFUs) to overcome to get it right. Selected regional vendors not going titsup would help tremendously.
@all of you especially Mike Smith
If anyone of you wants to search for publicised government information or a form do you use (a) Google or (b) direct.gov.uk
To those of you that answered (b) you should try (a) it will surprise you (see directionlessgov.com)
Do you realise that direct.gov.uk costs shed loads of money that doesn't need to spent in that way because of (a) and all the alternatives?
My understanding of the Cameron point is that there are many institutions (hospitals, universities etc.) that publish valuable information information so governments don't need to. Further, if one has a rare (e.g., sarcoidosis) or unfashionable condition (e.g., eczema) the aggregated experience of other sufferers can prove more valuable than the limited experience (sarcoidosis) or lack of interest, or time of one's GP. See also: sites such as mumsnet for the value of aggregated experience on other health matters.
Of course, if one happens to be a self-interested purveyor of all things IT, then one might prefer government to spend money on failing to duplicate all of this.
What is never explained is why the information that would be provided in such circumstances will be of any better or worse quality.
Finally, whereas it might be true that a centralised database containiing information regarding one's penicillin allergy could provide help in the manner suggested by Mike Smith it is also necessary to consider whetther the cost of such provision versus the rareity of the occasion might cause one to think this is unnecessary diversion of shedloads of money from more worthy initiatives such as better healthcare.
I would imagine more people die on the road each from mad motorist than from penciillin allergy.
Get a clue
with NPfIT there isn't one big centralised database, there isn't just one place where all the data is held (Disaster Recovery).
a GP/Doctor in a different trust or PCT does not have access to your records and access is controlled locally by the trust/PCT.
Oh and why is everyone asking or assuming a centralised secure system is worse then current security.. oh wait there isn't currently ANY security and any technitian can copy and past an entire LOCAL database into excel and email it anywhere. A centralised database means the NHS bods don't have access to the data in the database, they can only view and edit it through an application that only lets them view one record at a time not take a dump over the entire system!
Everyone should contact CfH and ask for an overview of the architecture and then walk into their local hospital and see if they can just walk out with a PC with that hospital's records on it. If you don't understand Tech Architecture then stop talking like you do.
@Anonymous Coward
"Finally, whereas it might be true that a centralised database containiing information regarding one's penicillin allergy could provide help in the manner suggested by Mike Smith it is also necessary to consider whetther the cost of such provision versus the rareity of the occasion might cause one to think this is unnecessary diversion of shedloads of money from more worthy initiatives such as better healthcare."
Good point, but that was an extreme example. Instead, think about referrals, where patients get passed from A to B to C and back. This happens very frequently indeed.
Patient goes to see GP, who refers them to the local hospital. Before the NHS database, the GP would write a letter to the hospital, who eventually gives the patient an appointment. Now they can use Choose and Book. Patient toddles off to hospital A where the staff take their details and enter them onto their own computer system. This raises the risk of the patient forgetting to tell the hospital A staff something important or not knowing details they need - "I take the little blue pills, doctor" isn't terribly helpful to a clinician. If the NHS database is available, the doctor can see the patient's GP record, thus removing the single point of failure.
Hospital A does some investigation. Before the NHS database, they eventually write to the patient's GP and hope the letter doesn't go the way of child benefit CDs. With the NHS database, they add the results to it and the patient's GP can see them immediately.
Hospital A refers the patient to a specialist centre at hospital A. Before the NHS database, hospital B has to take the same details from the patient that hospital A did. They do their investigations and decide to schedule an operation. Before the NHS database, a letter goes to the patient and to hospital A (NOT the patient's GP - the GP didn't refer to hospital B). With the database, hospital B can see both hospital A's test results and the patient's GP record.
In the meantime, the patient goes to see their GP on an unrelated matter. The GP only has half the story without the NHS database. With it, they can see both hospital A's and hospital B's test results without having to wait for a letter which isn't guaranteed to arrive or even be written - people do make mistakes and forget things.
Having a clear and complete set of information DOES make for better healthcare. And the new NHS database will go a long way towards providing it.
Well, as a doc I have mixed feelings about this. It WOULD be very nice to have access to the medical records of a patient who turns up in A&E in Doncaster when he usually lives in Dover. I don't think this can be argued against. IT security is a matter of design and making rules which are not possible for the user to break.
On the other hand, does anyone really have any faith in NewLab to actually implement this properly? I won't be able to access all the records as a standard user, but will a central admin agency have access to everything or nothing (note there would be NO clinical or ethical reason for a central clerk to have ANY access to ANY patient details). How long before CDs get sent to a drug company showing them what other medications patients recieving their drugs are getting? This information would be woth Millions to a drug company - could a cash strapped government IT department resist?
Nothing this government has done has given me any faith that they could handle this data with both competence and probity. Until the NHS is independant and completely away from the control of politicians (any, but especially new lab at the moment), I would not have confidence in a centralised system.
Big tail wags really big dog.
Anon 15:01 is right. Has anyone actually assessed the benefits against the costs? I suspect that there are countless ways that 15 billion quid could be spent to better effect in terms of improving public health overall.
This project is entirely about the tail wagging the dog. If I remember rightly it was at a meeting between Bill Gates and Tony Blair at Number 10 that the whole hair brained scheme was devised. That's a bit like the government launching a pro-smoking campaign because the chief exec of British American Tobacco told them it was a good idea.
In the meantime, the paper based systems combined with bracelets and the likes, which have served us perfectly well in the vast majority of cases, are in disarray. Old systems, including local patient administration systems, have been run down in the expectation that a new system will arrive - which it hasn't and probably won't.
I'm no Luddite. IT has a valuable role to play in the delivery of health care. The NPfIT however is an object lesson in the art of getting things arse about tit.
@Mike Smith
Arguing that a central database is needed for regular referrals is bogus, because all the patient treatment centres will be in the same local area, anyway. Most hospitals allow access to their PASs (Patient Administration Systems) to local PCTs and have done for some time.
The only time that you will be treated outside of your area is if either you go to a specialist treatment centre (covered by the referrals process) or A&E while out of your usual area.
In that case, how is the doctor supposed to know which of the 3000 "Mike Smith's" on the database is you if you're unconscious? She/he will treat as appropriate and monitor for adverse reaction, as currently.
Unless, of course, everyone has their ID card on them so the Triage nurse can pop it into his/her handheld scanner and get all your details in one fell swoop. Assuming your card hasn't been cloned to hell and back, that is: "Ah, Mr Smith, we think that your stiff neck is caused by all the Viagra you appear to be buying..."
Second Thoughts and Deja Vu
Apart from the Blue Meanies instigating the whole mess of NHS IT, isn't dreamy Dave also carping on about 'decentralisation' again?
This seems to go against the idea of a centralised database but do we end up then with loads of local databases coupled to a central one?
We'd most likely get problems transferring data from one site to another, the best option then would be to post it on CD's.
Current IT
Many people seem to be missing the point about the current state of IT in the NHS Dave "freaky fatboy" included. in many cases it's still seen as evil. everything is kept on paper in envelopes, anyone who has ever spent any time in a hospital will have seen people wandering round with shopping trolleys (I kid you not) full of patient records! It will be difficult and it will take a long time but thanks to years of underinvestment and neglect (hmm I wonder who was in power for most of that time - not that labour are completely blameless) we have a system which is frankly shocking and I for one welcome any atempt to improve it.
Dave "I might come up with an actual policy someday" should stick to what he knows about rather than playing political tennis by spreading misinformation and lies!
GPs invented medical records
We have been keeping them, quite safely and usefully, for some decades.
Some of us even start talking about things like medical informatics, and some of the reasons why a pile of records from several databases made by several orgs for several purposes turns out to be just a pile when you amalgamate them.
In Exeter in the '80s the experiment of building a record for use by specialties and GPs was tried. It didn't work. The current effort does not include any solutions to the problems that killed that.
Medical records are not the only thing that we should be looking at, they are relatively easy, accept that there are several sorts of Practice software, note that the laboratory is a good place to hang on to lab results, that the PACS of the local imaging department can usefully hold the pictures and reports, do some caching and devise a framework perhaps with a PKI to allow my machine to ask the machine of a GP in Aberdeen (it won't work BTW since that is another country, come back South to Carlisle for examples) questions such as "IsADiabetic(ID)" or "ListAllergiesAndAvoids(ID)" at need, and send a list of those to the patient as well in a quarterly statement.
No, how about a bit of informatics, of computing, of weak AI, or at least Hinting Engines and Opinionated Systems (one of those would model many of my colleagues quite adequately, and they are easier to build than the Eschaton I think)
Or if you want a working system, take copies of the GPL'd US VA system - called VistA for the last couple of decades, install that and then work on from there...
Because of all the long-term infrastructure systems that should be built of Open Source, healthcare IT is hard to find a better example.
What is being done at the moment is driven by money and power, not by cleverness in IT or medicine. Which is a pity.
@ A.C. - I tend to disagree, actually
"I would prefer to have my medical data stored and accessed locally - how often does one need to receive treatment elsewhere that would rely on that data?"
Once would be enough.
Despite my severe misgivings about the competence of the NHS management and their ability to organise a drinks party in a bonded warehouse I _would_ want the doctor treating me in Belfast to know about my allergy to antibiotics or whatever.
The real problem, however, is the complexity of medical records as discussed here: http://www.bcs.org/server.php?show=ConWebDoc.2972
"The issue here is that patient records are a mixture of data, facts, opinion and observations from and for a wide range of clinical professionals and purposes.
"The temporal and contextual properties of this varied information make health records unlike any other. Information that is hugely important in one context - such as automated blood pressure readings taken in hospital after heart surgery - may be of little significance to a GP during an appointment some weeks later, whereas a single routine reading can be highly significant years later in the event of unexplained heart failure.
"In addition, although basic data such as blood pressure or haemoglobin readings are precise and easily categorized they might be linked to observations and non-unique interpretations or opinions such as 'it is low' or 'possibly due to inflammatory bowel disease'. Indeed, patient records can contain seemingly contradictory statements, but there might be no contradiction if the statements are by different observers at different times.
"Such observations, interpretations and opinions are difficult to record in a structured form. Possible relationships between pieces of information make patient records very complex - but these records must meet the needs of different specialists: some might be interested in a patient's psychiatric history, others in the progress of diabetes. Different specialists will want specialist information and will interpret it in their own specialist ways."
Doctors who don't have a clue
"How long before CDs get sent to a drug company showing them what other medications patients recieving their drugs are getting? This information would be woth Millions to a drug company - could a cash strapped government IT department resist?"
This type of comment (from a Doctor) is part of the problem.
Doctors in the NHS are sounding the siren over systems and technologies they don't understand.
What the Doctor here seems blissfully unaware of is that prescription level data is freely available to the Pharma companies already - and not just care of the NHS where in Kent last week a load of prescription papers "fell off the back of a lorry" and had the local plods chasing all over the place picking them up before anyone noticed.
15 billion
I think i would prefer that such a huge sum of money be spent on Doctors, Nurses, Cleaners, in hospital catering etc.
I have plenty of faith in the skills of the hospital staff to correctly diagnose and treat me regardless of where I present. If the sum of money was spent on improving numbers of staff available so that they were not over worked and under appreciated; that hospitals were cleaned by staff directly employed by the hospital and felt they had some appreciation and ownership of there job; if food was cooked and prepared on site rather than delivered and microwaved then people may actually get better instead of dying from MRSA and other post op complications. If we were seen by the same doctors for repeat appointments so that they actually knew who we were and what our problems were rather than an endless procession of locums, trainees, fill ins, and people whose qualifications may be fine but are barely intelligible because they have such a poor grasp of spoken or colloquial or regional (scouse, geordie, etc) English because it is not their first language.
No amount of money thrown at IT systems can help any of these problems and to have spent 15 Billion and still no end in sight is not just incompetent, its obscene.
I really couldn't give a stuff whether my information is held on a central database, in a brown manila envelope or on sticky notes as long as it works. Most of the money spent so far is on a system that doesn't.
Paper system not sustainable
Having worked in an orthopedic department that covers the lake district I can tell you that people being admitted to hospital far from home is not that uncommon (tourists seem to love to fall off mountains). If someone is admitted from another PCT we will have to rely on photocopied/faxed notes from the patient's PCT (as no PCT will send their notes to another for fear of them being lost in the post which would compromise patient care in the future) which can take a long time to get at 3.30am. Even getting notes from another hospital in the same PCT can be a nightmare due to chronically understaffed and underfunded Medical Records departments having to hunt through massive libraries full of disintegrating paper records, often in several volumes and then sending them by taxi if they are required urgently (how secure eh?). I'm not saying that computerized records will solve these problems but to say that 'its all working fine why change it' shows frankly massive ignorance.
One last thing, for all you people not wanting to be on 'The Database', too late, the chances are you already are on the admin database which covers inpatient history (what you were in for and when), appointments, address, marital status, next of kin, clinical and non-clinical correspondence to name just a few. This I do actually support, having seen it most likely save several lives due to being able to quickly get into contact with unconscious patient's relatives who advised about drug allergies
Oh boy oh boy - how do we clean this up..
OK, I've seen a number of crackers here, I'll limit myself to two.
"When is somebody going to challenge the Tory party's complete lack of IT understanding?"
Strangely enough, the Tories are actually responsible for the single largest innovation in government IT. The Government Secure intranet (aka GSi) was requested, designed and built during Tory reign. They had the smarts to leave the project alone until it was ready, instead of blathering about it ad infinitum in the press. They were also smart enough to go to vendors instead of spending the money on costly management consultants. Sure, they may not know about IT per se, but with roots in business they have at least a clue.
New Labour introduced their buddies at Microsoft to the platform. The best known instance of that is the Government gateway which has technically no need at all to be dependent on IE.
"It's actually a lack of proper management / change consultancy* that has resulted in the big IT vendors shoeing in systems"
BS. It is a lack of knowledge of the *civil servants* which causes this - created by the same Management Consultants you're so keen to give work because there's never been any knowledge transfer. The arguments for using consultants is the same as for outsourcing and privatisation: if it goes wrong it gives politicians someone to blame instead of taking the hit themselves like responsible adults, and so enormous amounts of tax money have been paid to consultants for sometimes utterly bizarre work.
Remember the "speed camera" study which proved that adding cameras "saved lives"? If you get a document with a fairly simple premise and you find that 50% of it is spent explaining how they got to those (wrong) figures you know precisely that it wasn't a study - it was a conclusion needing a defense.
Remember the ID cards? Check out who did the feasibility study, and who got the work afterwards.
Government procurement? Why did that study not pick up all those fun things which later required expensive change control? Surprise..
Use of Open Source in government? eGIF has been around for a long time, but show me ANY consultancy that is going to suggest something that isn't going to keep them in business with patching and fixing for a long time. It's the ideal dependency generator. Besides, they need a return on investment on all the costs sunk in buying Microsoft tools so there's no way they'll advise using something that is more stable and cheaper to the tax payer.
Please don't sing praises of management consultancies. I haven't come across an honest one yet when it comes to government work. For them, 'ethics' is a sales term, not an operational parameter. It was a good move to put an ex Management Consultant as head of NAO because it means a lot gets 'missed'.
But hey, it's a living. Politicians have to retire somewhere too..
Labour = The Quick-Fix Botchers
Despite what many people on this thread seem to think, Cameron has it right on the nail.
Where Labour takes every opportunity to remove responsibility from the people that should have it and hold it all centrally, Tory Cameron's policy is completely the opposite and these comments are just an extension of his policy.
I trust my local GP, who knows nothing about IT security far more than I trust any central control-freakish government project because my GP is accountable to ME directly. I trust him to take on the appropriate advice and secure my records appropriately.
As for the Labour model of centralising everything, we all know we can't trust them to take proper advice and the result is catastrophic - as seen with the recent Child Benefit fiasco.
Well said
He sure nailed that on the head.
There is a way to make a general database
If someone would actually use their brain they'd see the solution isn't that complicated.
It is possible to set up an x500 directory tree structure which can PULL data when required. The problem is defining a standard of control (a hospital should be able to draw your record but an insurance -for instance- shouldn't), but it would allow for local storage, control and monitoring, distributed presence (resilience) and in general would solve all those pesky problems of one set of idiots holding all the data and then losing copies of it.
The basis is that you do NOT have to trust some centrally managed club who got their code from the lowest bidding outfit.
If government was REALLY serious about IT they'd do what happened in the Extremadura region of Spain for schools and business. There the Government paid a couple of people to code up a complete Open Source software package (admin et al), then distributed it for free. Instant standard, single point of support and fixes, no incompatibility problems and easy to control integration..
However, doing that would deprive a Godawful amount of people from having their snout in the trough - can't see any consultancy going for that..
They would if an Open Source solution was stated in the specification.
Seems to me that the Government's "UK Data Warehouse Program" has not been run for the benefit of people of the UK from the start, and is as disasterous as foreign policy has been.
Diverse is more secure
For those who think central is more secure, try it out for yourself.
Set up a few databases on some machines, and place a secret on one of them.
Then split that secret up on many machines.
Now step back and consider where you are going to go to get that secret from.
There is very little value in having your records at the NHS, and there is a lot of value to the governments, this is why you are hearing such ludicrous scare stories; I thought Lord Lucan riding Shergar was going to make an appearance in the 'Londoner goes to Aberdeen one'. :)
And banking has a lot of compromises, credit card fraud is probably happening every minute of the day. I hardly think bank systems are a good example, it is the surrounding security systems in shops and ISPs that are the main defense, not the banking system, which has probably made itself a lot less secure thru centralization. I do hope most realize that is the merchant who gets offloaded with the theft, not the banks.
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VPN on Windows Vista - Tunnel All Traffic
From ITwiki
Who can use this?
You must have a Windows Campus domain login to use the VPN server.
All Staff, faculty and undergraduates students have a Windows Campus domain accountautomatically created. Graduate students must request an account be created. Please refer to the Campus Domain Account page for instruction on how to automatically request an account.
Configuration Instructions
Step 1: Open Network and Sharing Center
Open the Network and Sharing Center in Control Panel. Click on "Set up a connection or network".
Step 2: Connect to a Workplace
Choose to "Connect to a workplace" and click next
Step 3: "Use My Internet Connection"
Choose "Use my Internet connection (VPN)
Step 4: Type the Internet Address
For the Internet address type: vpn.stevens.edu For the Destination name type: Stevens VPN All Traffic Also, make sure to check the box next to Don't connect now; just set it up so I can connect later
Step 5: Type your user name and password
Type in your Campus Domain credentials and click create. You may choose to check the "Remember this password" box, but this is not recommended as anyone with access to the machine now has access to your Domain account.
Step 6: Click Close
Once it says The connection is ready to use, do not click on connect now, rather click on Close
Step 7: Open the Network and Sharing Center Again
Now that the connection has been created, we need to edit a few of the settings, so open the network and sharing center again and click on Manage network connections
Step 8: Select the Stevens VPN All Traffic
Right click on the connection Stevens VPN All Traffic and click on Properties
Step 9: Change IPsec Settings
On the Networking tab, click on the button for IPSec Settings
Once the box pops up, click on Use preshared key for authentication" and type "SITvpn" for the key. Click on Ok
Step 10: Click OK
Step 11: Start the Connection
Double click on Stevens VPN All Traffic
Step 12: Enter your Campus Domain Credentials
Enter in your campus domain username and password in the boxes
Step 13: Select a location
Select a location for this network


text:
UMB News
Conference on Evidence-Based Practice Draws Nursing Leaders from Across Nation
Top officials charged with overseeing implementation of federal health care reform were among nursing leaders who spoke at the Evidence-Based Practice Conference held at the University of Maryland School of Nursing (UMSON).
Mary Wakefield, PhD, RN, administrator of the Health Resources and Services Administration (HRSA), part of the U.S. Department of Health and Human Services, delivered a distinguished lecture on April 1 at the eighth annual conference, "Nursing Practice Based on Evidence: The Emerging Impact of Health Care Reform."
Frances Phillips, MHSA, BSN, RN, who is deputy secretary for public health services, Maryland Department of Health and Mental Hygiene, reviewed widening roles for nursing as Maryland implements health care reform and urged nurses to become active as advocates. She participated in a panel, "Health Care Reform, New Directions in Community and Public Health."
Wakefield was welcomed by University of Maryland President Jay A. Perman, MD, who addressed the need for greater cooperation in health care delivery and education. The various disciplines should recognize their differences but "take advantage of these differences rather than letting them drive us apart," he said.
"We have the responsibility because we teach the next generation of health care providers," Perman said.
Janet D. Allan, PhD, RN, FAAN, dean of UMSON, introduced the HRSA administrator, noting that Wakefield's presentation would give those in attendance a vision of where the nation's health care is proceeding. Allan, left, is shown in the photograph with Wakefield and Perman.
"The Affordable Care Act is very much about fostering a culture of wellness," Wakefield said, stating that the biggest responsibility given HRSA was to increase access to primary care.
Wakefield explained that under the U.S. Affordable Care Act, HRSA is responsible for leading 50 provisions and co-leading 16 others, assuming the process is not modified before the 2014 target date for implementation.
Wakefield told an audience of conference participants from around the nation that the act attempts to put into operation what nursing students learn in school. "That is," Wakefield said, "that investing in keeping people healthy makes a lot more sense than simply investing in caring for them after they become ill."
Recalling her days as an intensive care nurse, she said that all too often she was caring for people who could have been spared the economic, emotional, and physical toll of their illnesses and injuries had there been better prevention or a greater focus on community health.
Wakefield cited plans to expand initiatives such as community health centers, which employ 4,000 advanced practice nurses across the country. She also outlined educational programs to prepare more nurses who would deliver evidence-based primary care.
Speaking extensively on the role of interprofessional care, Wakefield said her agency is deeply involved in moving that agenda forward as "an underpinning" of the concept of care coordination.
"It implies cooperation and team building across health care disciplines and roles," she said. The federal government is interested in a broader research agenda on the topic, exploring "how best to train and teach interprofessional care and how best to deploy it in the health care system."
Among other top officials who appeared at the conference, which was co-sponsored by the Veterans Affairs Maryland Health Care System, was Cathy Rick, RN, NEA-BC, FAAN, FACHE, chief nursing officer of the U.S. Department of Veterans Affairs. She delivered the keynote address, "Leading Change for a Healthy Nation," on March 31.
Wakefield's presentation, the Commander Lura Jane Emery Distinguished Lecture, was made possible by the Commander Lura Jane Emery Seminar Series for Nursing Practice Endowment Fund.
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Sometimes even the most glamorous celebrities suffer from tacky fashion faux pas. Here are our picks for 2006's most puzzling style blunders
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Sure, Eva Longoria's pre-Thanksgiving appearance on Good Morning America found the Desperate Housewives star heading to the kitchen for a food-related segment. And while the holiday spirit is admirable, dressing like a pilgrim just isn't.
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meaning: ehde naal koi panga na lawe kyn k eh fir ron lag janda a ... Re: *** Hindi Muhavare ***Test this site now
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Bilingual dictionaries represent an effort to convey the meanings and significance of ... We can enumerate about half-a-dozen more, such as 'Lugatae Hindi', 'Gara:ybul luga ...Test this site now
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3. Private messaging is provided for just that..private conversations between two people. The policy of this site is that private messages are never read, never have been, never will be. Please keep in mind that your private message is only as private as the person you send it to. Anyone has the ability to forward a private message to anyone they choose. I have had thousands forwarded to me in the past and I'm sure others have to. I don't want to know what your pming about...I have enough to read with the forum.
4. Other websites for paxil/ssri withdrawal exist. I will not allow bashing of any other site, or any individual from another site, on this site. And by the same token, if you choose to bash paxilprogress on another site while a member of paxilprogress your account will be removed. We are here for the sole purpose of supporting and educating others. If paxilprogress is causing you pain, I will relieve you of that situation.
5. Medical advice should be made by your personal physician. I will not provide medical advice. Any requests for such information will be deleted. I must take this stand to protect my professional life.
I hate that this has happened, but alas there are some who force these changes. I apologize for the interruption in the availability of the forums, but it was necessary for me to take time to realize what's important. Paxilprogress and those who suffer as a result of these drugs are what's important....not the few out to hurt and discredit others.
Thank you for your patience.
AKA Laurie
"Faith is taking the first step even when you don't see the whole staircase."
"doesn't use the big stamp"
Join Date: Nov 2006
Location: Oklahoma
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Re: NEW RULES!
I am so glad that you made the decision to keep pp up and running. Without this website, I probably wouldn't be here. You have made a huge impact on my life and I know that you will continue to make an impact on the lives of others. The 3 things that I have learned in my horrible journey over the past 2 years are:
1. none of us are guaranteed tomorrow - enjoy today !!!
2. the only person that I can change is myself and I can decide how much I let other people try to change me
3. God listens !
all my love and support to you !
1/05/07 20mg-17.5 1/20 17.5-15 2/24 15-12.5 3/08 12.5-10 3/29 10-7.5 4/12 7.5-5 6/15 5-3.75 6/30 3.75-2.5 7/28 2.5-1.5ish 8/11 1.5-1 8/25 1- zero
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Investor Warren Buffett enjoyed learning more about how his son tries to tackle world hunger, while fellow billionaire Carlos Slim studied how General Motors Co. and AT&T Inc. reinvented themselves.
On a brisk January day in 1992, Chrysler's then-President Bob Lutz slid into the driver's seat of the first Jeep Grand Cherokee to roll off the assembly line at the new Jefferson North factory. Riding shotgun was Detroit's colorful and cantankerous mayor, Coleman A. Young. They were on their way to make a showstopping introduction at the Detroit auto show, but it would not be a smooth ride. As they turned onto potholed Jefferson Avenue, Lutz said: "You know, some of these streets really need attention, your honor." Young laughed and said, "What, you don't like them potholes?" As Lutz struck another road divot, he responded, "Who would?" Young laughed again, Lutz recalled, and said, "Well, you better learn to love 'em, because they're staying right where they are."
By August 2008, the situation was getting desperate. The Detroit Three were burning through billions every month. GM and Chrysler were running out of time. Chrysler's new owner, Cerberus Capital Management, was a New York private-equity firm named for the three-headed hellhound in Greek mythology that guards the gates of the underworld. In its first -- and last -- foray into automaking, Cerberus was feeling the heat of a hell of its own creation. It was looking for an exit strategy.
In June 2009, the last auto plant in Detroit was idle, mausoleum-quiet and a symbol of failure. Weeds had grown three-feet tall around Chrysler's sprawling Jeep factory at the desolate crossroads of Jefferson and Conner as the company went dark during bankruptcy. Among the bills the near-dead automaker couldn't afford to pay: lawn service.
Chrysler CEO Sergio Marchionne drove the first new Jeep Grand Cherokee off the line at a ceremony on May 21, 2010, echoing Bob Lutz's famous roll-off 18 years earlier. This time, the breakthrough did not come via a glass wall. Rather, it was what the boss had to say.
General Motors Co. named Mary Barra to succeed Dan Akerson as chief executive officer, completing the GM insider's rise from a factory-floor worker to the industry's first female CEO after more than a century of global automaking.
General Motors Co. retained former Vice Chairman Bob Lutz, who helped lead each U.S. automaker during the past 48 years, as a part-time consultant.
By David Welch April 29 (Bloomberg BusinessWeek) -- The 15 General Motors dealers who flew to Detroit last September for a dinner with GM management were not an easily rattled bunch. They had endured the worst auto sales slide in 25 years, as well as the bankruptcy of the iconic carmaker on which they had built their businesses. Only three months had passed since GM accepted a $50 billion federal bailout, announcing the retirement of four of its eight brands and the shutting down of 1,900 dealers—a third of its domestic retail network. These dealers were the survivors, some of the more prosperous people in their towns, and they wanted a little reassurance. CEO Fritz Henderson gathered the group in a private conference room at the Westin Detroit Metro Airport and tried to demonstrate that he had a plan, according to an executive in the room who asked not to be named because he was not authorized to describe the dinner. Henderson announced that GM was going on the
As the top lieutenant to Renault SA Chief Executive Officer Carlos Ghosn, Carlos Tavares admits he's unlikely to succeed his boss, who's just 59. So he wants to run General Motors Co. or Ford Motor Co. instead.
"Superior battery chemistry, which was to be a U.S. competitive advantage, is now theirs."
- Bob Lutz on Aug 08, 2012


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Altar covers, as their name implies, are used to cover your altar. While they indeed have a specific purpose, you may fancy to use them as decoration. Many people use altar covers as tapestries to hang above their altars, while others might use them to drape their body or even wrap their tools in. Altar covers are available in a variety of styles, shapes, colors and sizes; choose your altar cover by what appeals or "calls out" to you.
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South Florida families on food stamps won't have to worry about the federal government cutting the food program: The U.S. Senate extended the current provisions for another nine months as part of the federal farm policy.
"It helps us immensely," said the Rev. Pam Cahoon, executive director of CROS (Christians Reaching Out to Society) Ministries, a coalition of about 100 religious groups that runs food pantries and other programs to feed the hungry in Palm Beach County.
She had worried that any cuts in food stamps would hurt the hundreds of thousands of South Floridians now receiving the aid to feed their families.


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WASHINGTON -- Sunday's season 7 premiere of "Mad Men" further stoked a conspiracy theory that ignited about midway throughout season 6.
The idea is that Don Draper's wife, Megan (Jessica Pare), is somehow a proxy for Sharon Tate, the pregnant wife of director Roman Polanski. Tate was notoriously stabbed to death during the Manson murders, which unfolded during a Hollywood Hills home invasion in the "Helter Skelter" summer swelter of 1969, the year of the current season of "Mad Men."
This conspiracy gains more and more momentum as the episodes progress:
1) "The Collaborators" (S6: Ep 3) - Megan's own pregnancy seems doomed from the start of Season 6. In this episode, Megan reveals a miscarriage to neighbor Sylvia, who is having an affair with Don in their New York apartment building, just a mile from the Dakota Building in Polanski's "Rosemary's Baby" (1968). After Tate's murder, film buffs looked back at "Rosemary" as divine foreshadowing, as if Polanski had somehow cursed his wife to be stabbed in the pregnant belly.
2) "The Crash" (S6: Ep 8) - Don's daughter, Sally, reads "Rosemary's Baby" as a stranger known as Grandma Ida breaks into the apartment. Don admits he forgot to close the sliding glass door (more on this later). This shows just how easily a Manson style break in could occur. Also remember that, in Manson's mind, "helter-skelter" was meant to incite a race war, and Grandma Ida fits this theory.
3) "The Better Half" (S6: Ep 9) - Megan wears the same star-pattern shirt that Sharon Tate wore during an Esquire magazine spread, which was photographed on the set of "Rosemary's Baby." This is the clue that ignited much of the conspiracy, but what many fail to mention is that it directly follows a shot of Peggy riding in an ambulance with her boyfriend, knife protruding from his stomach. The cut from the belly knife to Megan's "Sharon Tate" shirt is creepy in this light. Moments later, Don appears in a reflection of the sliding glass door (again, more on this later) and emerges to join Megan on the balcony. Police sirens blare as she says, "I miss you all the time. I don't know when I started pretending like everything was sunny," foreshadowing her trip to California and Don's tragic absence.
4) "The Quality of Mercy" (S6: Ep 12) - Don and Megan go to see "Rosemary's Baby" at the movie theater, where Megan says it was horrifying as she covers her belly with her arms. There, they run into Peggy and Ted. Both relationships are ultimately tested by the long distance between New York and California, which could become supremely tragic if Don is in New York while Megan meets the Mansons in L.A. As Don and Megan return home that night, they enter the doorway in ominous shadows as Megan says she could never live in an old building like the one in "Rosemary's Baby." Ironically, their entrance is similar to that of Mia Farrow and John Cassavetes in the movie.
5) "Time Zones" (S7, Ep 1) - In the season 7 premiere, Megan is now an actress living alone in the Hollywood Hills, trying a long distance relationship with Don in New York. Once again, they enter the doorway in shadows like their previous apartment entrance after watching "Rosemary's Baby." Don asks why Megan wants to live in a house in such a secluded area of the Hollywood Hills, saying, "It's like Dracula's castle," recalling Tate's "The Fearless Vampire Killers" (1967), where she met and married her director and co-star Polanski.
Coyotes begin to howl in the distance, a hint that The Coyote was the name of the restaurant where Tate last ate the night of the murder. Megan tries to tamp down Don's fears by saying, "They're far away, Don. It's just what happens to the sound in the canyon," practically quoting the book: "Helter Skelter: The True Story of the Manson Murders," which reads: "The canyons above Hollywood and Beverly Hills play tricks with sounds." She also says, "My next house is going to have a pool," like the one where Tate was killed.
As she and Don kiss, a final coyote howl triggers Megan to feel lightheaded, and she stumbles drunkenly to the bedroom like the drugged Farrow in "Rosemary's Baby." Restless, Don sits down to watch a TV program of Joey Bishop, who starred with Tate in "Valley of the Dolls," written by Dorothy Kingsley, who created the very show for which Megan is auditioning this episode, NBC's "Bracken's World." In fact, when Megan hears about her callback for the pilot, she holds her stomach and says, "I feel like I just ate a bag of butterflies."
Back in New York, Peggy holds a tub of Folger's Coffee as a co-worker says, "I have a feeling this isn't about coffee," hinting at coffee heiress Abigail Folger, who was also killed in the Manson Murders. Don and Megan have another chance at sex, but Megan pulls Don's hands off her belly. They ultimately consummate, but not without Megan expressing nervousness. If Megan is impregnated here in January 1969, she will be exactly eight months pregnant by August 1969, like Tate was at the time of her murder. The final cherry on top is the sliding door of Don's New York apartment, which keeps sticking, recalling the Grandma Ida break in and Don's reflection as Megan stood in her star shirt.
With all of the above connections, it's clear that show runner Matthew Weiner knows exactly what he's doing. He's no doubt heard the conspiracy buzz online -- perhaps he even planted it -- and he intentionally keeps egging us on. But that doesn't necessarily mean he plans to kill off Megan Draper.
He could be throwing us a curve.
During the season 7 premiere, a wideshot of Megan's California home overtly shows Don walking behind a set of vertical wooden railings that resemble jail bars. This image has been used as ominous foreshadowing throughout film history, from the Venetian blind shadows over Fred MacMurray in "Double Indemnity" (1944) to the window blinds of William H. Macy's car dealership in "Fargo" (1996). Film academics adore this "mise-en-scene" -- the symbolic placement of all visual elements in the frame -- and thus hail Billy Wilder and the Coen Brothers as visionary fatalistic filmmakers.
While film history shows this could mean bad news for Don, Weiner specifically does not show Megan crossing behind these jail bar railings. When it's her turn to cross the room, she begins to approach the bars, but we quickly cut away to Don, then back to Megan at the front door so as to not see her behind the bars. This could be a visual hint that Megan is safe and the Sharon Tate connection is a red herring. Or, perhaps Weiner just doesn't want to lay it on too thickly.
We should also note that Weiner has never blatantly altered history throughout the series. Historic events unfold subtly in the background (i.e. Robert F. Kennedy's assassination), landmark moments shut down the world (i.e. the Cuban Missile Crisis) and other events help spark character growth (i.e. Martin Luther King's assassination), but in each case, the major historical figures are not changed.
Thus it would be a stretch to say that Megan Draper is literally Sharon Tate. Perhaps she will be there the night of the Manson murders and suffer a similar fate. Or, perhaps the shocking Tate murder will merely scare Don and Megan into ending their long distance relationship, like the JFK assassination coincided with Don and Betty's divorce.
Either way, Weiner has us actively interpreting history through cinesthetic techniques -- composition, lighting, blocking, sets, wardrobe -- and to do this within a pop culture phenomenon is truly brilliant.
Don himself has this wild-eyed epiphany in "The Crash," telling Peggy that their ad firm should start disguising history as entertainment: "If this strategy is successful ... it's everything." Judging by the buzz around the Draper-Tate conspiracy, it is proving damn successful.
"Mad Men" reminds us that history is cyclical, just like our morality. Just when we think Don has conquered his inner demons, he relapses into an alcoholic womanizer. To paraphrase The Beatles in "Helter Skelter," as he gets to the bottom, he goes back to the top of the slide.
Follow WTOP Film Critic Jason Fraley on Twitter @JFrayWTOP, read his blog The Film Spectrum or listen Friday mornings on 103.5 FM.
More "Mad Men" Stories on WTOP:
© 2014 WTOP. All Rights Reserved.


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> Past Exhibitions
> 1999
> James Montford
The Mattress Factory agreed to work with Montford on an ongoing installation to be located at 1414 Monterey. The first floor of the installation hosts the 365 artist dollars mounted in pyramid form. Another pyramid of dollar-sized mirrors on the opposite wall reflects both the pyramid of named dollars and its viewers. The following quote by Romare Bearden is installed on a glass divider:
Romare Bearden, 1934A Journal of Negro Life
List of Artists
Student Dollar Exhibition
Artist Dollar Project Archive
Mattress Factory, Ltd. ® © 2014 All rights reserved.


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Scarecrow is the most politically charged album of John Cougar Mellencamp's career.
And those aren't even the singles (Lonely Ol' Night, Small Town, R.O.C.K. in the U.S.A.), all of which are top notch tunes as well.
The truth is that this whole album will get you, it is one of the most emotional albums i have ever listened too.
I have to agree with other reviewers here. This album has a flow to it that is no less than perfect. He is indeed an underrated American storyteller. Read morePublished 23 days ago by Amazon Customer
Any Mellencamp fan needs this one in there collection. ExcellentPublished 1 month ago by Steve Coburn
A different type of country rock, I bought this CD for Rain On The Scarecrow and the bonus track: Small Town. Small Town is one of my all-time favorite songs. Read morePublished 5 months ago by Chris Gregory
John "Cougar" Mellencamp's songwriting matured with the release of Scarecrow. The theme's here are hinted at on previous albums such as American Fool and Uh-Huh. Read morePublished 6 months ago by T. McCool
This CD is exactly why john Cougar Mellencamp is a legend. It is an excellent compilation. I enjoyed it very much. I keep it in the car. I can't wait to go driving. Read morePublished 7 months ago by Natalie
Some of JM's best work is in here. The lyrics are mostly excellent and the music is very catchy. You can already whistle most of the songs on this one.Published 8 months ago by Michael Van Epps
This disc really provides the crossover between pop, rock, country, and Gospel music sounds in a way that calms me, with poignant lyrics that border on making me angry, that make... Read morePublished 9 months ago by Kenneth S. Coppola


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CANTON, Ohio (AP) -- Jonathan Ogden has become the first Baltimore Raven inducted into the Pro Football Hall of Fame.
The huge offensive tackle was the Ravens' first draft pick after the Cleveland Browns moved to Baltimore following the 1995 season. The 6-foot-9, 345-pound Ogden, selected fourth overall in that draft, moved directly into the lineup and became the anchor of the Ravens' offensive line for a dozen seasons.
The first member of the Class of 2013 enshrined Saturday night, Ogden made the hall in his first year of eligibility. He was a six-time All-Pro, made the Pro Bowl 11 times and was the main blocker when Jamal Lewis rushed for 2.066 yards in 2003.
He was presented by the man who drafted him, Ravens general manager Ozzie Newsome, himself a Hall of Famer as a tight end.
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Enter your email in the box above to subscribe to the Holgamods email mailing list.
NEW HOLGAMODS SERVICEYour Personal Holga Calibration Sheet.
A Holga is like a fingerprint, no two are ever alike.Most poeple shoot 2 or 3 rolls of film through their Holga before the get a feel for what each icon on the lens relates
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Shown above...... Deluxe Colored Holga with Waist Level
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© 2014 HOLGAMODS, All Rights Reserved.
Warranty or Guarantee?It's still a Holga! And because of that, It's a safe bet that
your Holga will leak light, take out of focus pictures, possibly vignette seriously around the edges, the shutter may stick, the back may fall off ruining your film if you don't tape the heck out of it, the flash
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