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- Visit Bellanova, the children's store. Where your little stars shine brightest.
- Grab a $35 in-store or online voucher from Bellanova for just $19.
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Christmas is coming. Looking for that perfect Summer outfit for your child to wear on Christmas day, BBQs or just hanging out with family? Starting to think about gifts for your children, grandchildren, or the little people in your life? Bellanova has found a great selection of gifts that are just that little bit special. Remember we offer a free gift wrapping service whether you buy in store or online. Get your Christmas shopping sorted all in one place.
Grab a $35 online voucher from Bellanova for just $19 or a $50 voucher for only $29. It's a treasure trove of children's wear and gifts just waiting to be discovered.
Bellanova have a gorgeous range of stylish and unique children's clothing and gifts. With top brands like Minti, Oobi, Seedling. Merino Kids and Cocooi, Bellanova is the place to go to stock up on beautiful children clothing, fabulous gifts and accessories.
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Best of the Test: Sports Bras
Of the 39 sports bras we tested, these eight provided the most comfort, durability, and support.
By The Good Housekeeping Institute
A-B Cup Runner-Up: C9 by Champion
This budget buy is also comfy and reversible, with impressive moisture-wicking abilities. A solid pick if you're in the market for light compression. One tester said, "I like the feel of the material against my skin."
Reversible Compression Racer Bra, C9 by Champion, $15, target.com

subset: commoncrawl


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Salicylic Acid Topical (Compound W)
What is Salicylic Acid Topical?
Salicylic acid is a keratolytic (peeling agent). Salicylic acid causes shedding of the outer layer of skin.
Salicylic acid topical (for the skin) is used in the treatment of acne, dandruff, seborrhea, or psoriasis, and to remove corns, calluses, and warts.
Salicylic acid topical may also be used for purposes not listed in this medication guide.
In This Section:
What is the most important information I should know about Salicylic Acid Topical?
Salicylic acid topical can cause a rare but serious allergic reaction or severe skin irritation. Stop using this medicine and get emergency medical help if you have: hives, itching; difficult breathing, feeling light-headed; or swelling of your face, lips, tongue, or throat.
What should I discuss with my healthcare provider before taking Salicylic Acid Topical?
You should not use salicylic acid topical if you are allergic to it.
Do not give this medication to a child or teenager with a fever, flu symptoms, or chicken pox. Salicylic acid can cause Reye's syndrome, a serious and sometimes fatal condition in children.
Ask a doctor or pharmacist if it is safe for you to use this medicine if you have other medical conditions, especially:
- liver or kidney disease
- diabetes; or
- blood circulation problems
FDA pregnancy category C. It is not known whether salicylic acid topical will harm an unborn baby. Do not use this medicine without a doctor's advice if you are pregnant.
It is not known whether salicylic acid topical passes into breast milk or if it could harm a nursing baby. Do not use this medicine without a doctor's advice if you are breast-feeding.
This medicine should not be used on a child younger than 2 years old.
How much does Salicylic Acid Topical cost?
What conditions might Salicylic Acid Topical treat?
|No information available
Copyright 1996-2014 Cerner Multum, Inc. Version: 8.02. Revision date: 2013-05-15.
Salicylic Acid Topical Side Effects
What are the possible side effects of Salicylic Acid Topical?
Salicylic acid topical can cause a rare but serious allergic reaction or severe skin irritation. These reactions may occur just a few minutes after you apply the medicine, or within a day or longer afterward.
Stop using this medicine and get emergency medical help if you have any of these signs of an allergic reaction: hives, itching; difficult breathing, feeling light-headed; swelling of your face, lips, tongue, or throat.
Stop using salicylic acid topical and call your doctor at once if you have:
- severe headache, ringing in your ears, problems with hearing, thinking problems
- severe stomach pain, vomiting, or diarrhea
- a light-headed feeling, like you might pass out
- shortness of breath; or
- severe burning, dryness, or irritation of the skin
Common side effects may include:
- minor skin irritation, rash, or peeling; or
- changes in the color of treated skin (usually whitening)
This is not a complete list of side effects and others may occur. Call your doctor for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088.Back to Top
Copyright 1996-2014 Cerner Multum, Inc. Version: 8.02. Revision date: 2013-05-15.
Salicylic Acid Topical Interactions
In This Section:
What other drugs affect Salicylic Acid Topical?
It is not likely that other drugs you take orally or inject will have an effect on topically applied salicylic acid. But many drugs can interact with each other. Tell each of your health care providers about all medicines you use, including prescription and over-the-counter medicines, vitamins, and herbal products.Back to Top
What should I avoid while taking Salicylic Acid Topical?
Wart remover medicine may be flammable. Do not use near high heat or open flame such as a burning candle. Wash the medicine off your hands before handling a hair styling appliance (such as a curling or straightening iron). High heat could cause the medicine to ignite and burn your skin.
Do not smoke until the gel has completely dried on your skin.
Avoid getting this medication in your eyes, nose, mouth, rectum, or vagina. If this does happen, rinse with water. Do not use the medicine on sunburned, windburned, dry, chapped, irritated, or broken skin.
Avoid using other medications on the areas you treat with salicylic acid topical unless your doctor tells you to.Back to Top
Copyright 1996-2014 Cerner Multum, Inc. Version: 8.02. Revision date: 2013-05-15.
Salicylic Acid Topical Dosage
In This Section:
How should I take Salicylic Acid Topical?
Salicylic acid topical is available in many different forms, such as liquid, gel, lotion, cream, ointment, foam, soap, shampoo, cloth pads, and skin patches. Use the medicine exactly as directed on the label, or as prescribed by your doctor. Do not use in larger or smaller amounts or for longer than recommended.
Salicylic acid topical can cause a rare but serious allergic reaction or severe skin irritation. Before you start using this medicine, you may choose to apply a "test dose" to see if you have a reaction. Apply a very small amount of the medicine to 1 or 2 small acne areas every day for 3 days in a row. If there is no reaction, begin using the full prescribed amount on the 4th day.
Do not take this medicine by mouth. It is for use only on your skin.
Gently clean and dry the affected area. When treating warts or calluses, you may gently remove any loose tissue with a soft brush, wash cloth, or nail file. Soak the skin for 5 minutes before applying the medicine.
You may need to shake the foam or lotion before use. Follow all directions on the product label.
Cut the skin patch to fit the area you are treating. Follow all directions on your medication label about how long to wear the skin patch.
Use salicylic acid topical regularly to get the most benefit. It may take up to several days before your symptoms improve.
Call your doctor if your symptoms do not improve, or if they get worse while using salicylic acid topical.
Do not use salicylic acid topical to treat any skin condition that has not been checked by your doctor.
Store at room temperature away from moisture and heat.
Keep the foam canister away from open flame or high heat. The canister may explode if it gets too hot. Do not puncture or burn an empty aerosol canister.Back to Top
What happens if I overdose on Salicylic Acid Topical?
An overdose of salicylic acid is not expected to be dangerous. Seek emergency medical attention or call the Poison Help line at 1-800-222-1222 if anyone has accidentally swallowed the medication.Back to Top
What happens if I miss a dose of Salicylic Acid Topical?
Use the missed dose as soon as you remember. Skip the missed dose if it is almost time for your next scheduled dose. Do not use extra medicine to make up the missed dose.Back to Top
Copyright 1996-2014 Cerner Multum, Inc. Version: 8.02. Revision date: 2013-05-15.
We don't currently have any conditions listed for Salicylic Acid Topical.
Bear with us as we complete our database of treatments for conditions. We are working hard to provide you with the best results possible so please check back soon for the latest updates. We apologize for any inconvenience.
- Drugs A-Z team
Copyright © 2014 Everyday Health Media, LLC
About Drugs A-ZDrugs A-Z provides drug information from Everyday Health and our partners, as well as ratings from our members, all in one place. Cerner Multum™ provides the data within most of the Basics, Side Effects, Interactions and Dosage tabs. The information within the Reviews and FAQ tabs is proprietary to Everyday Health.
You can browse Drugs A-Z for a specific prescription or over-the-counter drug or look up drugs based on your specific condition. This information is for educational purposes only, and not meant to provide medical advice, treatment, or diagnosis. Remember to always consult your physician or health care provider before starting, stopping, or altering a treatment or health care regimen.
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American Justice: Murder Online DVD
Sale Price: $19.99
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Closed-captioned, Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: 2002
The murder of Bruce Miller reveals how thin the line between cyberspace and reality can be.
Bruce Miller was a businessman from Flint, Michigan who had few enemies, a supportive family and, by all accounts, a loving wife. When he was found murdered in 1999, the police initially assumed that his death was the result of a robbery gone wrong, but there were no clues to help them investigate--no fingerprints, murder weapon, or DNA samples at the scene of the crime.
AMERICAN JUSTICE® speaks with those close to the case to recreate the surprising chain of events that led to the discovery of Bruce's killer. In February of 2000, the body of an ex-policeman named Jerry Cassady was found in Odessa, Missouri, some 700 miles away. But he had the key to Miller's fate in his briefcase--a confession that implicated Bruce's young wife Sharee.
From Jerry and Sharee's first online meeting to the carefully planned murder and beyond, this is a chilling look at a crime conceived in cyberspace but executed in reality.


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Puzzle Levels
Download a FREE Solution for your puzzles!
Click Image to Enlarge
Welle (Wave)
Product Information
|Move the steel balls through the maze
|Level 7 - Challenging
|Jean Claude Constantin
|European Wood Puzzles, Jean Claude Constantin
|6 3/4 in x 5 2/3 in x 3/4 in / 17.3 cm x 14.3 cm x 1.8 cm
Product Description
An N-ary puzzle (based on Binary Grey Code). The objective is to move the three balls from one side of the frame to the other. The wave shape makes for a very smooth, pleasing motion and an enjoyable solve.
Made in laser-cut wood, acrylic, and stainless steel by Jean-Claude Constantin. Jean-Claude Constantin lives in Germany, where he designs and manufactures many different laser-cut wood puzzles, as well as metal puzzles and magic tricks.
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I really love your all instructables specially the romance pants was really special and helpful for me .
Informative instructables i am loving it.. Thanks for following me.
Wow this was a surprise. I've been doing a ton of instructables lately and guess what i stumbled upon yours (which are the best) and i'm like holy G this is my college roommate. I have some funky projects to work on.
I think this allows you to interface your cars "electronics".
If it does connect it to the arduinos RX and TX pins.... And then connect the arduino to the motor and just program it with some "if" commands, and actually that's a cool project, Its not stupid.
Use a "analog input" and a "while",
const int moisture = A0; //or what ever pin you want
//other code
void setup(){
pinMode(moisture, INPUT);
//other code
void loop(){
while(moisture < ????){
//pump HIGH code
while(moisture > ????){
//pump LOW code
Enter the email associated with your account and we will send you your username and a temporary password.


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Shop Our Family of Brands
Chocolate maraschino cherries have been a popular holiday gift since the 1920s. Hand dipped apples have also become a popular gift and are perfect for many occasions. Send sweet cherries and luscious caramel apples online as romantic gifts for Valentine's Day, or to express well wishes at Christmas. Our hand-dipped cherries and apples will elevate any celebration with a gourmet taste that you simply have to try. They're also perfect for birthdays and anniversaries!
There's a big difference between gourmet chocolate covered cherries from Shari's Berries, and boxed chocolate cherry cordials from the supermarket or drugstore. The first thing you will notice about our chocolate dipped fruit is the difference in shape. We use just-plucked cherries, and we leave the stems at the top. Other brands often use preserved or dried cherries, but we pick them fresh! The stems make it easy to double-dip the cherries in sweet white, milk, or dark confection. Each cherry has a third layer of confection or swizzles, which adds a tasty final touch to every hand-dipped delicacy. We also skip the sugary fillers and preservatives that the store-bought chocolate covered cherries have. Get the true taste of plump cherries and chocolaty confection with gourmet gifts from Shari's Berries.
Alongside our tasty collection of chocolate covered cherries is our collection of delicious, mouthwatering dipped apples. These gourmet treats are perfect for many occasions and are the ultimate taste-bud satisfiers. Combining the rich, tart flavor of green apples and the smooth, creamy texture of handcrafted caramel, our dipped apples are must-have gifts.
Shopping for a unique birthday gift? Look no further. Consider our gourmet caramel apples which can be delivered nationwide with 100% satisfaction guaranteed. We have a special birthday selection of caramel apples that include rainbow sprinkles, pecans, M&Ms and much more.
There's only one way to improve on the sweet cherry and dipped apple specialty gifts from Shari's Berries…pair them with our other gourmet goods! You can send strawberries along with the cherries or apples for a double dose of our hand-dipped fruits. These combo sets of succulent fruits drenched in sweet confection will take any recipient's breath away. Find all of these options and more, only at Shari's Berries.
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Asus, Hisense, TCL and others will show products with Google TV launching in the coming weeks. Existing partners like LG, Vizio, Sony, and others will show off the newest Google TV platform that makes finding what you want faster and easier. Combined, these set-top boxes, integrated TVs, and IPTV boxes with Google TV are available from 9 partners across 10 countries around the world.
You'll also see recently launched apps on Google TV like Amazon, France24, Dramafever and more. These add to the hundreds of TV-optimized apps and thousands of supported mobile apps available on Google TV.
Posted by Suveer Kothari and Mickey Kim, Google TV Partnerships


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I grew up as an army brat. My parents and I moved to various bases in the US nine times in the twelve years that I was going to school. When I was in elementary school I hated it but I have learned the value of making friends quickly and it has taught me how to deal with a lot of different social situations. I am even thinking about joining the army when I finish university.
I have lost touch with the friends I made during elementary school but I have kept in touch with a lot of the friends that I made in high school. I always played sports in high school as I learned pretty quickly it was a great way to make friends. I played football, soccer and I ran track and field. I excelled at track and field but I was never very good at football or soccer. But I really enjoyed the camaraderie that being involved in sports offered. My favorite part was always when we would meet for a burger after a game or event and laugh as we recounted the highlights or mistakes people had made.
I am now in my third year of college and this is the longest I have ever lived in one place. I have made some really good friends playing in the recreational league at college and my favorite thing to do is still getting together with my buddies and laugh as we talk about the mistakes or great plays.
Last weekend I visited one of my old friends from high school for a few days and we had the wildest time. He has changed a lot since I last met him. When I met him he liked to watch movies and play various sports. He was a pretty mild guy when he wasn't on the field. But now he is really into shooting guns and hunting. His place was littered with magazines about guns, hunting seasons, and where you can find the best deer and other big game in the US. We went out on Saturday and he showed me how to fire a .22 rifle. We spent about five hours shooting guns in the woods. We aimed at targets we had set up, rocks, and stumps. My friend made jokes about shooting a squirrel that was chattering somewhere in the forest but he said he didn't like the taste of squirrel meat very much. We ended up our day reloading bullets—not the .22s we shot but the .45s he didn't use since he said it would be wasted on someone of my shooting talents.
I really enjoyed the few days I spent with my friend. I don't really get the fascination with guns but we had a good time anyways. We spent a lot of time laughing about things that had happened in high school and we watched a few good movies.
Growing up as an army brat taught me the true value of friendship. It is worth the extra effort to keep in touch with people as you never know when you may meet up again. I know that the bonds that I make with people in the army will be the same which is why I want to join after I finish my formal education.


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1986 GMC Sierra C1500 Long Box, Strong V8, Shows 13k, loaded with Power Everything; Steering, Brakes, Windows, Locks, Tilt, Factory Air, Cruise, AmFM Cass,... More
GR Auto Gallery is pleased to present this 1990 Chevrolet 454 SS Pickup for purchase. The 454 SS was produced for just three years... More
When Chevy's big block debuted there was a need for larger engines with more torque for trucks. At the same time engineers developed a... More
There's nothing cooler than getting someone else's finished project for a fraction of the build price. This 1995 Chevy C1500 extended cab is the... More
This beautiful 454 SS is a tribute to Dale Earnhardt. It comes complete with 7.4L V8 engine with 230 hp and 385 lb-ft of... More
Are trucks like this 1986 Chevrolet C1500 Silverado collectable? Well we sure have a hard time keeping them in stock and with a great... More
Underneath that trick paint and multiple body mods there's a thumping 1991 Chevy 454SS pickup making this the total package if you're a fan... More
Someone forgot to remind this 1992 Chevrolet C1500 that it's a pickup truck. Somewhere along the way it received a heart transplant that includes... More


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A man whose daughter has leukemia will be joined on a fundraising trip from Catalina to Dana Point.
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Keep it civil and stay on topic. No profanity, vulgarity, racial slurs or personal attacks. People who harass others or joke about tragedies will be blocked. By posting your comment, you agree to allow Orange County Register Communications, Inc. the right to republish your name and comment in additional Register publications without any notification or payment.


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EASTON Eye Black
Be sure to select a color, size and quantity below
Item # 12089160
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|Members of The League get 5% back when you spend $100! (see promotion details)
We Guarantee Delivery before Christmas Day! **Restrictions Apply* See Offer Details.
Product Details
Focus on the game and not the glare with EASTON®'s eye black, which features an easy-to-use applicator.
Get your new EASTON® eye black today from Sports Authority.
- Reduces glare from the sun or stadium lights
- Easy-to-use applicator


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4 Ways to Amp Up Your Holiday Makeup
No matter what your age is, holiday parties always call for a little glam. Here are easy ways to make this season's trendy-but-festive makeup picks work for you.
By Melanie Rud Chadwick
Shimmery Eyes
If you're in your 30s: These are the best years to wear deeper colors. To keep the look soft, use your fingertips to blend a cream shadow in pewter or bronze from lashline to crease; try Boots No7 Stay Perfect Smoothing Eye Shadow (six shades, $8 each; Target). Finish with mascara to define lashes. Our pick: CoverGirl Clump Crusher Extensions Mascara ($6, drugstores).
If you're in your 40s: For an understated take on this glam trend, incorporate color with liner. Choose a creamy pencil in a jewel tone like sapphire, emerald or deep plum. Try Avon SuperShock Gel Eye Liner Pencil (five shades, $8 each; avon.com). Line upper and lower lashes, then smudge with an eyeliner brush for a subtly sparkly effect. Add a neutral shadow and mascara.
If you're in your 50s+: Choose colors that mimic fine jewelry: Rose gold, pearl, and platinum all brighten the eye for a youthful look. We like Maybelline New York Color Tattoo 24HR Metal Cream Gel Shadow in Silver Strike, Barely Branded, and Too Cool ($7 each, drugstores). Pair with navy eyeliner — it's less severe than black.


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Tuesday, February 2, 2010
Low-Magic Wizards
I've often thought of just giving mages several basic, cantrip powers, along with the power to use ancient places of power, activate ritual circles, and decipher arcane runes. Mages would seek out those instances or places of power to be able to cast those spells—they'd be the only ones with the hope of doing so, or deciphering the runes on ancient weapons, or knowing the seven reagents needed to form the Elixir of Undeath. It's definitely a great adventuring hook, if nothing else.
For example: The mage in your party is not the all-powerful wizard of old. He seems to possess a minor healing touch, due as much to his encyclopedic knowledge or herbs and salves as anything. A few minor potions and odd passes in the air results in a thunderclap or minor pyrotechnics. It is said he can talk to the birds, and understand their language. He somehow knew the old king died a week before news came from the capital.
When the goodly warrior in your party was mortally wounded, the wizard knew he could not resurrect him with his powers. Oh, perhaps he had a few herbs to slow death and prolong his weak pulse, but the secrets of resurrection were not know to this age. However, he knew that in the Mountains of Eshem, there lay an altar with a strange incantation. On Midsummer's Eve, he said, one could stand there—and if the required ritual was performed, one person could be brought back, no matter how close to Death's Door they lay. So that, said the aged wizard, is where they must journey…
Castles & Crusades follows the path of Vancian Magic; I'm glad it does, because Vancian Magic is a great meeting ground and reference point at the center of the hobby. But every now and then, I get the feeling I'd like to try a lower-magic game again. I believe the niche is still there for the low-magic wizard class; it just relies on a player using more smoke and mirrors and research, rather than the raw offensive capability that has come to represent the majority of wizard play. Of a scale with Gandalf the Gray on one end and Tim the Enchanter and Elminster on the other, I think I'd like to scoot my chair a little bit closer away from Greenwood's wish-fulfillment fantasy.
14 comments:
- Chris Tregenza said...
Low power wizards need a suitable campaign to play in. Trying to do it in a standard hack&slash adventure is likely to end with a dead character or a bored player.
It also requires a lot of prep by the GM. If the wizard asks about any healing places in the area, the GM needs an answer.
The idea behind low powered wizards is great and it leads to a much richer campaign world and story focused game. It can be done if the GM and the other players are keen for that style of campaign but it is not easy.
- February 2, 2010 at 7:34 AM
- Zachary The First said...
Well, I think the opposite may hold true of high-powered wizards in a more investigative/dramatic campaign. The standard mage's progression can overwhelm a story-focused game if it is not handled right.
I think low-power wizards can exist, even thrive in hack n' slash, but the character would need to be played with more martial aptitude (again, Gandalf), as well as a sense of trickery, utility, and misdirection.
- February 2, 2010 at 7:58 AM
- Mike said...
I like it thematically, but I guess the reason why d&d has moved in the opposite direction is that it's tough to stop in the middle of combat while the wizard goes off to find the lost tome of power and come back.
It works really well in novels (I like the magic system of Jonathan Strange & Mr Norell) because there is no player interaction to deal with.
In a game, the uber powerful wizard or the Well of Stars should be a sage NPC (or location) that PCs seek out as part of quest fulfillment and pushing the story forwards and not a day to day activity.
In 4th Edition D&D, the wizard has some powers that he can use all the time (magic missile, fireball, etc) in combat and separate rituals that take a lot of time and money. It'd be fun to have one-time rituals like "restore balance to the world's climate" that the PCs have to research and cast.
- February 2, 2010 at 9:26 AM
- Phillip said...
Hi Zachary,
I absolutely agree that a low magic campaign can be wonderfuly fun but as always, the devil is in the details. What I ended up doing was stepping outside the box and homebrewing my own magic system that was both free-form and scalable to allow for just the right amount of power to be brought into play. Below is a pre-amble to the system,Which I based off of an old Chinese table of the elements, as well as the classic four humors of old. So...here is the direction I went in:
On the many planes of existence, throughout all the realms, sages and philosophers have come to agree that the world is composed of seven basic elements. These are fire, metal, crystals, water, wood, wind and light (darkness is the opposite of light and considered part of that element).
Scholars have demonstrated that all other natural "elements" are actually composed of these essences in combination. Any material object can be explained as a mixture of these basic elements, although in many cases the exact mixture has yet to be discovered.
Each of these seven basic elements has magic properties. Sorcerers who learn to identify those pure elements, when they occur, can use their magic properties.
Actually, many other types of magic exist, but the basic form rooted in the nature of the world itself is this elemental magic.
In practical terms, to use elemental magic a character must possess the pure essence of that element and harness its magic power for use in spells. This pure essence is called a "node". Some nodes are more powerful than others and are called double nodes, triple nodes, ect. The more powerful nodes cannot be split apart into separate smaller nodes, but the power can be used in increments, for various spells at various times. All characters will come across a naturally visible elemental node from time to time. The flames in a fireplace might seem to acquire a life of their own, or rays of sunlight may seem to dance in the air, or ice might shine with unearthly light, ect.
These are simply nodes that have become especially obvious.
Originally, the first sorcerers were simply people who noticed these nodes, guessed their importance, and learned to use them by trial and error. While some nodes may be stumbled upon and tapped into, the vast majority can only be exploited by a character equipped with the arcane ability to use them.
- February 2, 2010 at 9:29 AM
- DeadGod said...
One could apply this same logic to a cleric's prayers. They might have to seek out holy places, like a shrine to the goddess of life to cast resurrection. They might also have to do a specific deed to be granted a single casting of a prayer. For instance, a cleric might have to help an innocent to gain a single casting of the bless spell.
In this way a cleric is granted power through obedience and deeds, and not just through good will and being in the "god club."
- February 2, 2010 at 9:53 AM
- Jason Richards said...
I've never been a fan of physical components as a basis for casting magic, instead preferring rituals and words of power as the catalyst for manipulating the ether. I understand the purpose for the mechanic requiring "stuff" to facilitate the use of magic, and of preparing a certain number of spells each day, and that sort of thing, but I think those things play into problems with scale as you have discussed.
By making the key to casting magic based in ritual, I think the scaling is easier. Simple spells require just a few simple words, while more complex spells require complex incantations. The most complex spells might include drawing circles or diagrams, not as physical components of the spell, but as aides to properly performing a long and complicated ceremony.
I think this all lends itself to the archetype of the "scholarly wizard," who must seek out sources of knowledge to learn new spells, and practice them to achieve mastery. It also creates a built-in reason for wizards to protect their secrets and closely guard those painstakingly-assembled spellbooks.
- February 2, 2010 at 10:23 AM
- Zzarchov said...
I found the solution to be in the availability of spells.
The problem in normal D&D is big libraries where wizards share. This creates a problem in terms of magic being rare.
I solve that by making spells like 'counterspell', 'dispel magic' and 'erase rune' pretty useless. Unless you know the same spell as your opponent, in which case its automatic. Even a level 1 mage can thwart the unholy lovechild of Elminster and Raistlin, provided they know the exact same spells as him (usually by reading his grimoire).
Note this means that "Reinhart's ball of fire" and "The flaming explosion of Amenhotep" are different spells even if both are mechanically fireball.
This means mages don't share spells (not good ones), it means that while Miracle Max may know the secret to raising the (mostly) dead, he isn't going to share. What if you (or some hero-turned-villain who you teach) uses it to counter his Miracle when its needed to save the king?
This means that wizards are proactive to adventure. The warrior and theif may break into the pharoahs tomb to find a fortune in gold, but the wizard is looking for the spells inscribed on the Pharoah's Sarcophagus.
This also means that wizard's live alone in towers with maybe a trusted apprentice rather than in big colleges. If there is a big college it means the higher level mages have a secret library they don't share with the lowly initiates.
It seems to solve all the problems.
The bottom half of this post has more:
- February 2, 2010 at 12:09 PM
- Zachary The First said...
Excellent thoughts, all. Very good discussion.
I really do think this is one of those things that is easier said than done in many current popular RPGs, be it Pathfinder, HARP, or D&D 4e. Still, if one had a mind, definitely worth at least thinking about. I think it would definitely be easier either in a point-build system or in a class that lent itself not only to magic, but also to being a skill monkey and at least minor martial combatant.
@Phillip: Very interesting! Has it worked out well in play?
@DeadGod: Yes, you definitely could. In fact, so as not to completely throw a game off the mark, if you do so to mages, you'd definitely have to consider doing so to clerics.
@JasonRichards: I do think the "scholarly wizard", rather than a "blaster wizard", would be more the archetype I'm looking at there.
In Rifts terms, a True Atlantean Rogue Scholar. ;)
@Zzarchov: Spell rarity is something I've tried to push in my current campaign. I think players are often expecting spells to be sold on every street corner. I've made them relatively inaccessible, which has in turn driven one of my would-be casters to choose some different adventure paths.
- February 2, 2010 at 12:17 PM
- Zzarchov said...
If the players expect spells to be sold on every corner, perhaps they should be. But also put in some very low level counter spells or a skill like counterspell (spellcraft or some such) that allows countering spells.
Sure you could BUY fireball, but everyone knows THAT fireball. When you need it some low level punk could automatically dispell it.
- February 2, 2010 at 3:28 PM
- Zachary The First said...
Yeah, they *could*. But I usually don't dig playing in that high-magic of a world, though your description would certainly be a credible way of handling it.
- February 2, 2010 at 5:39 PM
- Joseph said...
I think you're going to like the Mountebank class in my game, Zack.
- February 2, 2010 at 6:16 PM
- Zachary The First said...
If it's following what I'm recalling of Gary's designs on that class, I think it's likely.
- February 2, 2010 at 6:25 PM
- Tyson J. Hayes said...
While I have not played 4th edition it does look like it has the ideas in mind that you are referring to built into it.
Personally I like Zzarchov's ideas. While I'm not sure I would want to run the game myself it definitely has an appeal to that style of game play.
A change in systems may be in order to really get the feel of what your looking for. Savage Worlds may work for this if you provide all the cantrip spells as one magic edge. Everything else would be earned through work and not everyone would have the same spells. I haven't thought to hard on how that'd work out but may be worth some exploration.
- February 2, 2010 at 9:11 PM
- Phillip said...
"@Phillip: Very interesting! Has it worked out well in play?"
Once I playtested it and polished it, The group found the experience of weaving elemental or spiritual nodes together to create varied effects to be fun and very evocative.
Most nodes discovered will be minor ones that can be contacted and then contained.The actual method of containment is simple.
Once ritual contact is made, an appropriate physical container is maneuvered to the location of the node and placed next to it. The node, being magical, can pass through the material provided the mental contact is holding it. Contact is then released and the element is now within the reflection.
Example: : To contain a Veraqua (water) node found in the eddy of a waterfall, a character could pass a diamond ring into the eddy, and move the diamond to the node, then drop contact. The node is now within the diamond, and upon lifting the ring from the water the glimmering of Veraqua can be seen within the diamond.
Powerful fixed nodes can be created and placed to represent special places of power, holy shrines, ect,.
The subtle examples you sited in your original post would be performed in my system using Spiritual magic derived from the four humors of the body. As GM you certainly have plenty of buttons and levers with this kind of system since you control the amount of nodes, their location, and their power level.
There are no spell books or codified spells as each sorcerer is unique, and following a simple formula, crafts needed spells on the spot.
I gave up a long time ago trying to find a system that pleased me and finally scratched the itch when I just got thoughtful about it and rolled my own. I am curious to see what you end up going with.
- February 2, 2010 at 11:24 PM


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Possible Security Issues
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Customers of Online Banking with Compass Bank should double check the upper left corner of their screen to make sure that their log on user ID is being encrypted (secret coded0. The URL address should show https:// Be sure that there is the letter "s" following http before you type in your User Name (ID). The "s" indicates that you are now in a "secure session". Compass Bank suggest that their online customers download and install the security software "Rapport" onto their PC. If you do this you should make sure that the Rapport designator (to the right of the URL box)shows up green before typing in any personal information. If the designator shows up grey then Rapport is not protecting anything.
I have found that over half of Compass Bank's online web sites are not being protected by Rapports security software. I am not suggesting that you change banks but only want to inform you on how to check for a "secure web session" when entering any personal information. The info that I have provided you here is a method of checking for security on all web sites when you are asked to enter personal information. The only reason that I mention Compass Bank is because I have spent hours of time with representatives of the bank with this security issue.
So far I have not found anybody within the bank that is concerned about it. Hopefully that will change in the near future. If so then I will update this information to you.
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Refinance Ripoff
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CASA GRANDE, ARIZONA -- Started a refi with Compass Bank the first week of January so that we could get away from boa. Let me tell you, compass could teach
boa a thing or two about being incompetent. First, we were assured our loan would not be sold to boa, compass sells their loans in-house. They need more info, more info, more info. We jump through their hoops and do everything asked of us. We have a trust, they want to copy every page of our trust. What business is it of theirs what we want our bodies cremated when we die or that my husband's son is not left anything, but we comply. Well, finally March 15 comes and we are to close. Closing costs are twice what the loan officer quoted us and they now want to charge us $250 more because the rate lock had expired. The bank manager did get the $250 taken off. We went ahead and closed because we had already paid $444 up-front for an appraisal and could not face going through this again. Next thing we know, they want to charge us $20 to get our cash-out deposed into our account. As of yesterday, March 21, they still need more papers signed. As of today, March 22, none of the disbursements have been done and our home equity line which was to be paid off is now past due. I called them this morning and they tell me they have no record of a loan with our names or social security numbers. Take my advice, do not ever deal with Compass Bank.
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Online banking doesn't work using Safari browser
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DALLAS, TEXAS -- Apparently, after speaking with BBVA Compass Bank support today, online banking with Compass Bank doesn't necessarily work with Apple's Safari browser. To me, this is unacceptable and somewhat irresponsible as Compass Bank is forcing its customers to move to online banking or pay high monthly fees It was suggested that I download another browser on my Apple computer which I do not want to do. Also, in setting up online banking with Compass Bank it suggests using a Rapport security program for its online banking; however, it is not apparent that once the program is installed, it cannot be uninstalled even though the program has an "uninstaller" and says the program has been uninstalled. I am worried about a bank that "recommends" such a program for security purposes.
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Ben There on 10/26/2011:
Safari is a distant 4th of the big browsers, so many companies don't go out of their way to be Safari compatible.
trmn8r on 10/27/2011:
Ben_There is right on target:
September 2011 statistics:
22.9%~~39.7%~~~30.5%~~~ 4.0% ~~ 2.2 %
4% is miniscule. I switched to FF today because the LL Bean website wasn't working fully in IE under Windows. Sometimes a workaround is necessary on either platform.
Kris10 on 10/27/2011:
Firefox and Chrome are the best of those 5 by far. And Chrome should be fully compatible with your Apple computer.
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Compass Bank - Get A Clue
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PLANO, TEXAS -- I discovered that my debit card number was stolen and two entities charged services to my card without my knowledge or permission. Compass Bank OBVIOUSLY doesn't know that criminals DON'T take a holiday! I discovered the fraudulent charges on, Monday, May 31, 2010. I was on hold for over three hours! I had to change my cordless phone because I was on hold so long, the batteries died. They never answered! So what if this was Memorial Day. Many businesses are open, and Compass Bank should be open 24/7 to handle these sorts of things.
I called the bank on Tuesday morning, and was told to physically go to the nearlest branch. I went to the Windhaven location in Plano, Texas. Marc White was the agent. I told him the situation and he said they could do nothing until the charges cleared. I told him I wanted to freeze my account to prevent other charges on my debit card, AND HE REFUSED!!! I then went back to my office, got on the phone, and requested the disupute forms. Compass Bank waited until JUNE 4th to mail them to me, and I didn't receive them until, JUNE 7!! Thank GOD the charges were very small, or I would have been in a world of hurt until the charges were reversed.
The fact of the matter is, that Compass Bank was totally NOT PROACTIVE in not only preventing further fraudulent charges, but not proactive to quickly address my situation. They also took over a week to replace my debit card, which prevented me from paying my online bills, and prevented me from getting the things I needed without having to go to the bank and write a check for cash. THIS IS NOT ACCEPTABLE!!! THEY STINK!!
I have since gone to another bank chain, and got a much better deal.
I have also CLOSED my CompASS Bank account. I have been a loyal customer of CompASS Bank for nearly 10 years, and they don't care!
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Ridiculous Policy
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CASTLE PINES NORTH, COLORADO -- I am not a customer of Compass Bank (took my account out of there about four years ago because of other ridiculous policies). However, I do use their ATM on occasion because it is at the corner by my house (I have an account with USAA Federal Savings bank, which does not have local branches). I used the ATM at the drive-through last week, and drove away without my ATM/debit card. I realized it about an hour later, and returned to the bank to retrieve my card. I waited for the one teller to finish a transaction with the drive-through banking (which seemed to be a big problem, and required the intervention of a superior), then another teller came in from her break, I asked for my card which I had left in the ATM. I described my card, the color, the name on it and said I had my identification to claim it. The other teller confirmed that there had been a card retrieved from the ATM, but, when I mentioned it was not a Compass Bank ATM card, they would not surrender my card to me. They said it was company policy. I asked them twice, maybe three times to clarify that that was truly company policy, and they just stood there and said, yes, we cannot give you your card. So, my card was sitting on the other side of the teller stations, and I could not have it. As a result, I had to order another card from my bank, at a charge of $8 to get it here quickly. I also now have to change ALL my automatic payments that were previously set up using the other card number with the new card number. Doesn't this seem like a rather ridiculous policy? When a potential customer (everyone is a potential customer) is standing in front of you, requesting the card she knows she left in your ATM, describing the card and offering her ID, and you WILL NOT give her her own ATM card. Seems silly to me....Thanks for your time.
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tnchuck100 on 02/16/2010:
Employees of major corporations, for the most part, have been prohibited from using common sense. Though in your case I doubt if any policy would be violated. I suspect it was just plain stubbornness or power trip on the part of that branch.
You should have called the police. At that point they are withholding property that is not theirs and you can prove is yours. That is theft.
Anonymous on 02/16/2010:
If their ATM lets you use another banks card, then they have no right to keep your card from you. I'd ask to see that 'policy' in writing. Bet you they don't have it to show you. Then I'd do what Chuck said and call the police
Anonymous on 02/16/2010:
It's a matter of policy. The bank employees know the card was retained, but not why. If there are three cards in the retained card bin, which ones are the ones 'hot-carded' by the issuing bank, and which ones were retained because they were left in the machine? I don't know of any bank that does not operate this way, and it may, in fact, be a rule with which they have to comply.
Anonymous on 02/16/2010:
Same thing happened to me as well. I left my debit card in Credit Union ATM. When I inquired about getting the card back I was told they only return cards they issued. All others are destroyed.
It makes me wonder if there is some sort of regulation or agreement which prevents them from returning a foreign ATM card.
Around these parts I've notice that most of the ATM machines that suck in your card are being replaced with the type you swipe the card. That's a good thing if you ask me. Good review!
shootingstar1284 on 02/16/2010:
I worked at a bank during college, and it was a smaller, local credit union, and we had the same rule. If an ATM card from a different bank was not released, we couldn't give it back, even if the customer had just used the ATM and had valid ID. And Stew is right, we destroyed any cards that weren't issued by our credit union. Sucks, I know, but it seems a lot of banks have this policy.
redmx3racer on 02/16/2010:
Ken and Stew are on the Money. I had the same thing happen to me, and could not get my card back either for the same reason.
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Compass Charges fees for their own charges
Posted by
How can I get-Compassbank, aka BBVA Compass Bank- fees reversed?
It all started 3 weeks ago when a double payment was mailed to a credit card company through an electronic payment system they offer to their customers. I had this second account, yet it appeared again and the extra payment was sent. I was notified that my account was overdrawn and that's when I noticed the extra payment I again, set up another account for the biller and deleted the current account. I then sent the money that would have balanced my account. Needless to say, a couple of days ago, I checked my account online, and there it was again. The account for the biller had defaulted to the previous due date of 11-02 and my electronic wire, which is always posted within hours did not post for a whole day.
Now there were more charges for NSF, over the limit fees. They also pulled from the overdraft protection account an additional. 06 yes, six cents, which caused a $12 transaction fee and an over the limit fee on my account. I spoke with a bank representative, who told me that it was all my fault. I had cancelled the biller account for December and was responsible for all the fees.
I know that this is not true, I had double checked the account to made sure that my future payment for the biller, Capitol one would start in December. I had already spoken to them and hey agreed to apply the extra payment to the following month of November 2009.
When I spoke with the bank representative, I was told that I couldn't pay my overdraft over the phone and that I could not manage that account or make transfers between checking and overdraft. I guess they want to be able to pull 06 cents and charge $24 + for the transactions.
FYI--I also made the mistake of overpaying the overdraft card in the past. Compass would not
Deposit the extra funds into my checking account. I had to request a reimbursement and wait until they got around to sending it to me.
I was asked to come in to take care of the account. Iâm a USA citizen living and working in South Korea (have for 2 years) and this is not possible. The bank has all my overseas information on file, including contact phone. I gave it to their branch office when I was in Arizona a couple of months ago.
I have had this account for 29 years and have been through many buy outs. Since they got bought out by BBVA, I have had a lot of trouble. I'm closing the account and just want some relief for all the vile things they have done, these past few weeks.
Any advice or feedback will be greatly appreciated
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Compass Bank Stands In The Way Of Help
Posted by
Big Bear
DENVER, COLORADO -- Recently I received an email about the President's new Home Affordable program and some expansion to the initial terms. The email stated that the new, allowable LTV ratio was being changed from 105% to 125%. This was great news for me and could potentially save me several hundred dollars per month on my first mortgage loan. However, when I contacted the lender I had chosen to do the refinance on my first loan, I was told that they could not do anything to help me because Compass Bank holds the note on my Home Equity Line of Credit, which is currently in second position. Evidently Compass Bank has a policy that they will not allow a refinance, unless they are moved into first position at the time of the closing on the refinance. With that being their policy, I am dead in the water. No lender will do a refi and agree to put their new loan in a second position, behind Compass Bank's current HELOC. Compass Bank's stance seems to be that if someone is interested in refinancing, they must be in trouble and about to default on their loan, so they want to be sure to move their loan up to first position in order to get their money if something happens. What makes no sense to me is that if someone is in trouble and needs the refi in order to keep up with payments, and Compass doesn't allow it to happen, Compass stands to lose everything if a foreclosure or short sale ends up happening. I would think that they would want to help, not just because it is the right thing to do, but also because by allowing someone to refinance, they are more than likely going to make it easier for the individual to stay current on the second loan as well. Anyway, I am not in trouble at this point, but would still like to be able to reduce my monthly payment through refinancing. Unfortunately, Comapass Bank's policy makes it impossible for me to take advantage of this opportunity. It certainly seems that someone at Compass needs to rethink their position and consider actually trying to help people out during these tough times. I am very disappointed in this company and their apparent lack of compassion. It seems that money is all they care about. I have multiple accounts with them currently from business to personal, which I will be moving to another institution as soon as possible. Thanks for nothing Compass Bank!
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saj80 on 07/16/2009:
First, this government program applies to those who need assistance and want to stay in their homes. It is intended as a guideline for banks willing to work out these types of situations, but does not apply to someone simply looking to refi at a higher value ratio. You are correct in that if you default on your first mortgage payment, Compass will either have to pay off the first to assume a priority lien, or walk away and try to collect from you via collection. However, very few banks in this market are willing to subordinate a lien position, and are using this as a tool to try to move up in their priority.
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I Messed Up But They Fixed It For Me
Posted by
On June 30th, I called my bank to match my account balance to find that it was in the negative. It has been years since I bounced anything, so I went to a nearby branch and requested a statement. I was given a statement for the previous month and saw that I was about to have four more transactions go through which would put me further in the negative. Frustrated with myself, realizing I would end up owing nearly $300 in fees, I left the bank almost in tears. Continuing on my errands, I kept thinking that the statement didn't make sense. I stopped at the next branch and spoke to one of their representatives. It took awhile, but I finally understood what happened and where I went wrong. I miscalculated regarding when I was getting my direct deposit by one day, spending $ I thought I had but didn't. I thanked the representative and then told her that I was worried about the other transactions going through because even though my next paycheck would cover it, it wouldn't be for another week and a half which make the account further in the negative. The representative told me that she knew that the branch could wave 2 overdraft fees (exactly how many that I had at the time, $78 which would cover the overdrafts and the other transactions but she had to get permission. She was able to do so and told me that if I incur any other overdrafts due to my mistake, I could go to the branch in which I opened the account and they would work with me.
She then told me my accounted would be credited by midnight that night which it was. She gave me her business card and told me to call her with any questions or issues the next day. I have never had a problem with my bank, and the time that I messed up unintentionally, they fixed it for me. It is rare to get that kind of service anywhere, especially banks!
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MRM on 07/10/2009:
It cannot happened to our very own, KnightOfTheWord!
Eloise on 07/10/2009:
Sounds like you have a bank with real customer service!
knightoftheword on 07/10/2009:
MRM: Shame on me! At least I didn't come whining here about overdraft fees. Perhaps it was my demeanor that moved the rep to help me out. It really had been years since I had overdrawn my account; I was so close to tears because I was so angry at myself!
Anonymous on 07/10/2009:
that's awesome,and rare for banks...BofA wouldn't of done this for you...
BokiBean on 07/10/2009:
knight, that is awesome. Instead of a bank that felt justified in trying to eek out every last cent in order to teach you a lesson..you have someone who took time out of their day to listen, realize you'd made an honest mistake and find a workable solution. Good on them, and good on you too.
Nice review, too.
madconsumer on 07/10/2009:
"BofA wouldn't of done this for you..."
since this review is not about bank of America, this is pointless information. but since you bring it up, bank of America expects account holders to be able to keep an accurate check register!!
great review.
very helpful.
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Compass Bank Illegally Placing Holds On Cash Deposits
Posted on
MESA, ARIZONA -- In February, I deposited $500 cash into my account at about 10am. Later in the day I paid a few bills and bought some groceries. To my surprise I got a call the next day from the bank that my account was overdrawn. Turns out they didn't post my cash deposit till the next day. I always thought cash posts the same day. So I overdrew my account and got hit with several overdraft fees. I called the bank and they refused to refund back the fees. Said it was my fault and I didn't know how to manage my account. I told them a cash deposit should be posted right away and they told me they can post it whenever they want. Spoke to several managers who also told me I didn't know how to manage my account. I refuse to pay them for their error. I asked for my account to be closed. They told me my account had to be at a 0 balance before it could be closed. Every day for 30 days I was charged $7 for an overdraft fee and once a week was charged $27 for overdraft fees on top of the daily fee. I now owe the bank close to $1000. They call me several times a day and an automated system tells me I need to go to the bank in person to speak to somebody about my account. I am not paying them back.
They have now reported me to Checks Systems. They need to refund all the fees and take me off Checks Systems. What they did wasn't right. They stole my money.
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Soaring Consumer on 04/02/2009:
Voted helpful.
Office of the Comptroller of the Currency time. This bank must be punished. Severely.
DigitalCommando on 04/02/2009:
Office of the Comptroller helping somebody? Now that's funny considering that they were responsible for blocking all states district attorney's from having the ability to sue credit card companies or banks as it was "their territory" virtually shutting down US consumers from any real recourse.
Anonymous on 04/02/2009:
Cash is posted the same business day. What got you is that it isn't posted the same moment that you hand it over, it is posted when the nightly processing updates all the accounts. Compass probably processes the debits first, so you would have been already overdrawn when the cash credit hit the account. I am surprised that they wouldn't work with you on the fees, since it was clearly a misunderstanding and obvious that there was no attempt at deception on your part. I think it would be worth your while to call and ask for an appointment with the branch manager, and calmly explain what happened. You might find they will compromise some on the fees. It can't hurt to try.
Anonymous on 04/02/2009:
Ken I don't think I had any pending charges at that time. I wasn't using my debit card a lot cause I wasn't working then. Maybe I should go talk to someone in person and see what they can do for me. They sure aren't willing to help over the phone.
madconsumer on 04/02/2009:
what day of the week, and was if after their cut off time?
Anonymous on 04/02/2009:
It was at 10am on a Tuesday
ejack053824 on 04/02/2009:
Did you have access to see your account online to verify the money was indeed posted right away? Anytime I deposit cash...I verify it has hit the bank right away by checking online.
Anonymous on 04/02/2009:
No ejack I didn't check. I've done cash depsoits before and checked online and it was always there. I should have checked this time but I didn't
NickL11354 on 04/02/2009:
she said at 10am assuming a regular business day (weekday) should have been posted immediately. This clearly is illegal. Banks can get away with putting holds on checks because in the fine print of the Funds Availability it says that 'under certain cases we may delay availability of funds usually no more than 11 business days' (of course it doesn't say what cases) but it also states that cash is made available immediately. there is no nightly processing because it isn't a check
I would have gone to the bank personally and spoke with the manager and asked him what right & where does it state that the bank can put on cash for as long as they want. If that doesn't work, seek legal action in small claims court for the maximum allowed by state which should include damages and time wasted by the OP
ejack053824 on 04/02/2009:
Little its just a practice of habit for me checking the bank online right away anytime I do a deposit. One time I got cheated out of $1,000.00 because some twit didn't enter the right amount in even though the receipt showed a deposit of $5,000.00.
Anonymous on 04/03/2009:
Nick, immediate posting means that it will be posted to the account in the very next update. It does not mean (at commercial banks) that is available to begin spending two minutes after you deposit. It takes some time for that deposit ticket to get to central processing and turned into a computer hard-post. Any time prior to that it is considered a 'memo post'. A bank may or may not allow you to draw against a memo post... most won't. On the other hand, most credit unions will, as well as the smaller community banks.
Anonymous on 04/27/2009:
Update: I spoke in person to a manager at Compass Bank. They refuse to help me out. I overdrew my account a lot last year. My fault I know, and the bank did reverse a lot of fees for me. I was told that they have helped me enough already and I need to pay the full amount owed. Any suggestions on what to do next? I still don't want to pay.
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Compass Bank does not value small business owners
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HOUSTON, TEXAS -- I have had a small business checking account for 1.5 years at Compass Bank. Even though they do not have branches convenient to me, and though their ATM machines are too often out of order, I opened an account because my major contract banks here, which I was told would allow me to access funds deposited immediately.
Today, I attempted to deposit part of a paycheck and withdraw the rest. I was that told I could not because the check was made out to a company. This is a sole proprietorship, the business name is MY name, yet they refused to give me my money! On top of that, when the representative spoke to the branch where I opened my account, she told her that I had banked there for 6 months, and that I did not have many deposits. She refused to correct herself after I reminded her that my account was actually 1.5 years old.
I make deposits about twice a month, like many people who get paid biweekly. But I guess this does not make me a valuable enough customer, so I will be taking my business elsewhere.
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Anonymous on 01/15/2008:
Unless you have paperwork on file that shows that you are sole proprietor of the business, she was absolutely correct. How could she know that you are not a partner who is in the process of embezzling from other partners? You should set up the accounts correctly if you are going to deposit items like this.
Mario The Great on 01/15/2008:
I agree with Ken. But, Compass Bank no longer cares about anyone. They used to be the bank that everyone went to when they were sick of Chase, Wells Fargo and all the other heavy hitters. Now, their overdraft fees are $38 - $3 more than Chase and everything else mimics all the big banks. By the way, if you do overdraft, get it fixed immediately or they'll charge you $6.00 a DAY for overdraft fees for UP TO 90 days before they close your account AND you can't close it in the negative. Welcome to big banking Compass. Thanks, but no thanks. Hope you and your pals crawl back under the rock which bore you. I can't remember who always posts I LOVE CREDIT UNIONS, I may just have to agree with them.
Cyane on 01/16/2008:
If the check is made payable to a business, it has to be deposited. If you have immediate access to your funds, deposit the check and then write yourself a check from the account.
moneybags on 01/16/2008:
I agree with all of you. Compass tried hard to overdraft my account which I had already closed. I just didn't like their attitude and had never had any problem with the account; just the people. Suddenly, a mysterious draft appeared on the closed account. Never got any kind of a notice but started receiving calls from a collection agent. With a $340.00 for NSF fees. A visit to the manager of the customer service department (not the branch) ended up having the charges reversed. I also have a letter that absolves me of any further charges. Of course, every week I have a new letter from Compass asking for my business /reopen the account. Right! When we have an avalanche in Alabama!
lepearso on 01/28/2008:
I understand why banks require checks made to business to be deposited. Considering the costs involved with keeping cash on hand, they need to show revenue in the form of deposits.
My advice to any small business is to find a small, independently-owned bank. You'll find that the service is more personal, the fees are more reasonable, and sometimes you things for free that the big guys charge extra for.
Just for comparison, if I deposited a check at my old bank (Suntrust) that was rejected for lack of funds, I would get charged a $25 rejected deposit fee. At my new bank, which is small and independent, I'm charged $2.
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The Page That Counts :: Winter 2011
Number of billionaires in the world: 1,011
Percentage of billionaires living in the U.S.: 40 [1]
As of August 24, 2009, number of living people who had given $1 billion or more to charity: 14
Number of these who were still billionaires after giving: 11 [2]
As of August 4, 2010, number of U.S. billionaires and near-billionaires pledging at least 50 percent of their wealth to charity: 40 [3]
Time needed for the Earth to generate the ecological "income" that humanity "spends" annually: 1 year, 5 months [4]
Percentage of Americans who believe most energy will come from sources other than coal/oil/gas by 2050: 74
Percentage favoring expanded exploration and development of coal/oil/gas in the U.S.: 68
Percentage of Americans who favor incentives for more nuclear power: 50
Percentage who foresee a major global energy crisis in the next 40 years: 72
Percentage of Americans who favor requiring utilities to produce more renewable energy: 87 [5]
In 2009, percentage of Americans who thought the gap between rich and poor would decrease by 2050: 34
In 1999, percentage who thought the gap would decrease by 2050: 27 [6]
Average percentage energy savings in EPA Energy Star certified buildings versus conventional buildings: 40
Money spent on Energy Star building upgrades by the Council Rock School District in Bucks County, Penn.: $150,000
Projected annual energy costs for the school district before the upgrades: $4.5 million
Actual energy costs, after upgrades: $3 million [7]
Percentage rate of annual human population growth in 1963, the peak rate in records dating back to 1950: 2.2
Annual rate in 2009: 1.12
Projected annual rate in 2049: 0.45 [8]
Average minutes American public transit users spend walking daily: 19 [9]
Minutes of daily moderate aerobic activity the U.S. Center for Disease Control recommends: 22
Estimated annual American per capita health cost savings that would result from improving transit quality and building walkable, mixed-use developments around stations: $540.68 [10]
Percentage of parents who say their college student child has a credit card: 35
Percentage of college students who say they have a credit card: 49 [11]
Percentage drop in global phytoplankton population since 1950, attributed to rising ocean surface temperatures: 40 [12]
More Page That Counts
|Summer 2010
Percentage of Americans who believe one of the country's greatest assets is its military's strength and superiority: 14; Percentage who believe the American people themselves are one of the greatest assets: 35
|Fall 2010
Total jobs worldwide in the renewable energy sector in 2008: 2.3
million; Total number of Wal-Mart employees worldwide: 2.1 million ...
1. "Special Report: The World's Billionaires", Luisa Kroll and Matthew Miller, Forbes.com, March 10, 2010.
2. "Billion-Dollar Donors", David Whelan, Tatiana Serafin, and Christina von Zeppelin, Forbes.com, August 24, 2009.
3. "Forty U.S. Families Take Giving Pledge: Billionaires Pledge Majority of Wealth to Philanthropy", The Giving Pledge, August 4, 2010.
4. Earth Overshoot Day 2010, Global Footprint Network, 2010.
5."Public Remains of Two Minds on Energy Policy", Pew Research Center for the People and the Press, June 14, 2010.
6. "Public Sees a Future Full of Promise and Peril. Life in 2050: Amazing Science, Familiar Threats", Pew Research Center for the People and the Press, June 22, 2010.
7. "Celebrating a Decade of Energy Star Buildings: 1999-2009", United States Environmental Protection Agency, 2009.
8. "Total Midyear Population for the World: 1950-2050", United States Census Bureau, International Data Base, June 28, 2010.
9. "Walking to Public Transit: Steps to Help Meet Physical Activity Recommendations", Lilah M. Besser, MSPH, Andrew L. Dannenberg, MD, MPH, American Journal of Preventive Medicine, Volume 29, No. 4, pp. 273-280, June 10, 2005.
10. "Evaluating Public Transportation Health Benefits", Todd Litman, Victoria Transport Policy Institute, for the American Public Transportation Association, June 14, 2010.
11. "How America Pays for College: A National Study", Sallie Mae and Gallup, Aug 2010.
12. "Global phytoplankton decline over the past century", Daniel Boyce, Marlon Lewis, and Boris Worm, Nature 466: 591-596. July 29, 2010.
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Even their little dog, too
PHILADELPHIA — Burglars have struck a Philadelphia house two weeks in a row, first stealing all the food in the family's refrigerator, then snatching their puppy.
Rachel Schortye said the latest theft happened late Saturday or early Sunday. She said the burglars took their 52-inch flat-screen TV, winter clothes and party favors for her 8-year-old son's upcoming birthday party.
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- Even their little dog, too


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Columbia nightclub owner arrested for evading retail taxes
Columbia, SC (September 19, 2012) --- The owner of PURE Lounge, Stephen Davis, was arrested today by investigators from the SC Department of Revenue and charged with operating a business without a license. Davis, an Irmo resident, is the owner of PURE Lounge located on Berryhill Road in Columbia.
Since the revocation of its license by the SC Department of Revenue in July 2012, the Revenue investigation proved that PURE Lounge continued to operate and conduct sales even without a retail license.
This afternoon, Davis, 38, was taken to the Lexington County Detention Center where he is awaiting a bond hearing. Davis could face up to 30 days in prison and/or $200 in fines if convicted of the charges.
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text: This sturdy galvanized-steel pail is a durable and efficient container for hauling everything from water to animal feed. A spout makes pouring easy, and a fitted galvanized-steel lid with a handle keeps contents protected from dirt and moisture. Solid welding and high-quality materials ensure this bucket is built to last.


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Date: Sunday, 30th September 2012.
Time: 10:00am to 12:30pm.
Cost: £105 per RX 390.
A team event for two driver teams, A team event for two driver teams.
DJMotorsport are proud to present their Family Fun Race, with the accent on fun. It is a fantastic way for family and friends to race together in a non-championship environment.
A one hour endurance for teams of two and with driver changes every fifteen minutes. The karts will be the RX390, which are ideal for both experienced and novice drivers.
Everything is supplied, just book your place with DJMotorsport and turn up and race. Trophies to top teams and a full presentation ceremony after the event. All drivers must be at least 16 years of age.
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Rhagfyr 2011
Tom Sharpe's Antarctic Diary
Monday 21 November
We've continued to push south, although by a rather round about route to avoid the thickest pack ice, and passed 77o south latitude.
On the western horizon we had an incredible view of the Victoria Land coast of mainland Antarctica and the Transantarctic Mountains. To the south we could see Ross Island and Mount Erebus, the most southerly active volcano on earth.
We eventually broke through into a large area of open water as we entered McMurdo Sound. As we sailed along the west coast of Ross Island, we headed for a small bay at Cape Royds and ran the ship up onto the fast ice - thick sea ice attached to the land. From there it was a short helicopter ride ashore.
A walk of a few hundred metres took us to a sheltered little cove where, protected from the winds by a ridge of glacial moraine, there stood a small wooden building. This was the base hut of Ernest Shackleton's Nimrod Expedition of 1907-1909. A major conservation project by the New Zealand Antarctic Heritage Trust has recently completed work on the hut and its contents, and they've done a magnificent job. Tins of food are still stacked on the shelves, sledges rest on the rafters, clothing and sleeping bags lie on the beds, and crates of supplies are piled against the outside wall. To stand in this hut is awe inspiring.
On this expedition, Shackleton pioneered a route which Scott would later follow through the Transantarctic Mountains, and got within 97 nautical miles of the South Pole. Although he knew he could be the first to reach the South Pole, he turned back. He realised that if they continued they would not have enough food to make it back alive.
Shackleton took several scientists with him, one of whom was a St Fagan's born geologist, T.W. Edgeworth David, then Professor of Geology in Sydney. Based at this hut, David led the first ascent of Mount Erebus, 3795 metres high, and also led another team on a long sledging journey up onto the Polar Plateau to reach the South Magnetic Pole.
We had time to see the hut and take a walk to the most southerly penguin colony in the world, on the coast around Shackleton's hut. The Adelie penguins here provided an extra source of food for the expedition.
Instead of flying back to the ship, I opted to hike back across the fast ice to retrieve some marker flags we had laid out as a walking route in case the weather turned. This is perfectly safe as long as you keep a look out for tide cracks - fissures in the ice caused by tidal movement.
Their dangers were demonstrated when my hiking companion immediately fell into one. Luckily he went down only a couple of feet. It was just as well, as he had the rescue line.
Tom Sharpe's Antarctic Diary
Saturday 19 November
Today began grey, overcast and cold, with light snow falling on the ship. We've now been breaking our way through the pack ice of the Ross Sea for three days, picking our way south through whatever open leads or thin ice present themselves.
On the southern horizon, in places, open water shows up as dark reflections on the underside of the cloud - a 'water sky'. In other places, we see ice blink, where the clouds are brightened by the presence of the sea ice beneath. Our navigation through the pack is aided by satellite positioning; Scott relied upon dead reckoning and the sun to chart his progress.
This afternoon we sighted land for the first time in five days. Away to the west we've had our first glimpse of the continent of Antarctica. The faint, white, distant mountains rise to over 3500 metres. Appropriately, one of the first we see, Mount Murchison, is named after a geologist who worked in Wales 180 years ago.
We set course for the mainland, a point called Cape Washington, but the pack ice is too thick, even for our icebreaker. Instead, we're continuing south, deeper into the Ross Sea, in the hope of breaking out of the pack and into a polynya, which satellite pictures show lies to the south of us.
Sunday 20 November
It's been slow getting through the pack ice, but we've finally made it to Franklin Island, at 76o south.
The ice is thick around the island, but we got within 5 miles of it, so we took the helicopters and landed on the sea ice at the foot of steep black cliffs. From there we hiked about a mile and half south across the ice to a large colony of Emperor penguins at the southeastern end of the island. These are the stars of the movies March of the Penguins and Happy Feet. They walk long distances across the ice to breed, and after the egg is laid it is transferred to the male who then stands on the ice through the severe Antarctic winter holding it on his feet.
The males in the colony huddle together against the cold. The march of the penguins was first observed by Captain Scott on his first expedition. Their chicks are some of the cutest things on the planet and infitinely photogenic. We have a couple of examples of Emperor penguins in our collections in Cardiff, including one presented to us by Lt Teddy Evans of Scott's last expedition, and that will be in January.
Tom Sharpe's Antarctic Diary
Friday 18 November
It's just over a hundred years since Captain Scott's ship, the Terra Nova, sailed from Cardiff for Antarctica.
Scott designated Cardiff the home port of his ship because of the support his expedition received from Cardiff and South Wales. Last year we put together a little exhibition bringing together a range of objects from our collections to commemorate the departure of the expedition on 15 June 1910.
On 17 January 1912, Scott and his four companions reached the South Pole only to find that he had been beaten, by a month, by a Norwegian team led by Roald Amundsen. The fate of Scott's Polar Party is well-known: all five died on the return journey. But there was much more to Scott's expedition than the attempt on the Pole. It was a major scientific expedition, studying the geology, biology, meteorology and physics of Antarctica and its glaciers.
We're planning another exhibition, , opening in January 2012, to look at the Welsh links with Scott's expedition and the scientific work undertaken on it. We're part of a national series of exhibitions and events to mark the centenary of the expedition. I've been working on this exhibition for some months now, but about four weeks ago my preparations took an exciting turn when I was invited to join a trip to the Ross Sea in Antarctica, with the intention of visiting Scott's expedition base hut.
We sailed a week ago from Lyttleton in the South Island of New Zealand, the same port from which Scott sailed in 1910. Two days ago, we entered the pack ice of the Ross Sea. Each winter, the continent of Antarctica doubles in size as the sea around it freezes. I'm on a Russian icebreaker. We've been following leads - strips of open water between the ice floes - and where necessary forcing our way through the thicker floes. We do this by ramming into the ice, then reversing a few hundred metres before ploughing full ahead into the floe and hopefully breaking through. Breaking our way through the ice feels very much like being in the central seats of a 747 in bad turbulence, but much noisier.
We've been making good progress, initially through thin first year ice (formed this last winter) and then into an area of open water called a polynya. But today we've slowed. The pack ice we're in now is much thicker, over a metre thick in places. This is multi-year ice, built up over several winters. At 70oS, we're now well south of the Antarctic Circle and in continuous daylight. Here the sun will not set for some months.
Some of the ice floes are forced together by the pressure of tides and currents and today we found ourselves caught between two floes. This pressure caused the floes to close behind us, and for a while we were trapped in the ice. Even with all engines on full power, we could neither advance or reverse. But just as we were beginning to decide who we would eat first, the ice floes parted and we were released from their grip!
All around us there is nothing but sea ice to the horizon in all directions. The ice surface is not smooth, but broken by the jagged lines of pressure ridges and the occasional enormous tabular iceberg frozen into the pack ice. It looks lifeless. There are no other human beings as far as the eye can see. But life is here. This morning an orca, a killer whale, popped up to take a look at us; minke whales show their fins through the open water of the leads; and crabeater seals bask on the ice floes. Clusters of Adelie penguins rush around on the ice while, in contrast, a stately Emperor penguin stands tall and imperious on the edge of a floe.
There is no environment on earth to compare.
Ffotograffau Hanesyddol (Esmee Ffairburn)
Linking Natural Science Collections in Wales
Project Sain Ffagan Amgueddfa Werin Cymru Project Creu Hanes
Ymchwilio yn Ynysoedd Falkland


text:
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Silvertone/Grey Floral Ring
Faceted stones smolder with a smoky shimmer in a modern floral setting of round and marquise stones. Textured shank. Glass crystals; hand-cast in rhodium-finish, nickel-free metal. About 1.25". Sizes 6-7-8.
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Unit details
HPS706 - Clinical Placement and Case Analysis 1
|2015 unit information
|Enrolment modes:
|Trimester 2: Waterfront (Geelong)
|Credit point(s):
|EFTSL value:
|Unit chair:
Amy Langbein
Registration as a probationary psychologist, HPS777 and HPS779
|Incompatible with:
|Contact hours:
25 full time days of placement and seminar attendance 1.5 hours per week.
The placement aims to develop student's assessment and professional skills and is facilitated through partnership with Barwon Health's Mental Health, Drug and Alcohol Services (MHDAS) located in Geelong and surrounding regions. The placement enables students to observe MHDAS facilities, staff and clients together with participating in assessment and treatment planning. Supervision will be provided either by a Clinical Psychologist within the student's placement setting or by another Clinical Psychologist should the first option not be possible.
The unit includes a Case Analysis seminar, which is attended by all first year clinical students and facilitated by staff. Within this seminar, students will be required to provide a case presentation from their placement experience. This is a formal presentation to peers and staff of the client's symptoms, history, assessments, diagnosis of the disorder using DMS-5, case formulation and a consideration of appropriate treatment strategies consistent with the formulation.
Assessment task 1: 25 full time days attendance (including all rostered days at the placement agency) (hurdle)
Assessment task 2: Placement logbook submitted within 21 days of completing placement (hurdle)
Assessment task 3: Satisfactory report from placement supervisor of professional competence of student submitted within 21 days of completing placement (hurdle)
Assessment task 4: Written placement case study of 3000 words submitted within 21 days of completing placement (hurdle)
Assessment task 5: Attendance at weekly Case Analysis seminars (hurdle)
Assessment task 6: 30 minute case presentation during Case Analysis seminar (hurdle)
Unit Fee Information
|Student Contribution Rate*
|Student Contribution Rate**
|Fee rate - Domestic Students
|Fee rate - International students
* Rate for all CSP students, except for those who commenced Education and Nursing units pre 2010
** Rate for CSP students who commenced Education and Nursing units pre 2010
Please note: Unit fees listed do not apply to Deakin Prime students.


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SERVES:makes one 9 x 13-inch baking pan
Prebaked cornbread, 8 cups 1-inch cubed total (see procedure below)
3/4 pound crumbled mild Italian sausage, browned
1 cup diced onion1 cup diced celery1 Tbs vegetable oil for sauteing veggies (if needed)2 minced cloves garlic2 Tbs finely minced fresh sage (or 1 tsp dried rubbed sage)1 Tbs fresh chopped thyme (or 1/2 tsp dried thyme)
2 beaten eggschicken stock as needed (approx. 1 1/2 - 2 cups)salt and pepper to taste
You need to plan ahead and bake the cornbread for this (one 9 x 13-inch pan or two 8 x 8 -inch pans) and then cut the cornbread into 1-inch cubes....you're looking for about 8 cups total....and then place those cubes onto a baking tray and into a 350 degree oven for 10 - 15 minutes.
While you're keeping your eye on the toasting cornbread, use a large saute pan to brown up about 3/4 pound crumbled mild Italian sausage.
When you're happy with the sausage, take that out of the pan and add a little vegetable oil to the pan, if you think it needs it, and saute about 1 cup each of diced celery and diced onion to soften.
Take the cornbread out of the oven and, once the onions are soft, add 2 large minced cloves of garlic and about 2 Tbs finely minced fresh sage and 1 Tbs chopped fresh thyme and cook that along for 2-3 minutes.
At that point, add the celery and onions to the bowl with the sausage and then stir 2 beaten eggs into that, add the toasted cornbread and lightly toss to coat and then add chicken stock a little bit at a time, tossing to coat as you go, until it is nice and moist but not too soggy. (see hints below)
Season that with salt and pepper to taste and transfer it to a well buttered 9 x 13-inch baking dish, top that with a layer of aluminum foil and place it into the preheated 350 degree oven.
Bake it for about 30 minutes with the foil on top and then another 10 - 15 minutes with the foil off.
You'll probably have some baked cornbread leftover after cubing for the stuffing.
It's better to have the stuffing be a little too wet than too dry so use your judgment when adding the chicken stock.
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HOPKINS COUNTY, Ky. (11/15/13) — West Hopkins School has created The Cardinal Crew, a group made up of male role models. Fathers, older brothers, uncles, grandfathers and friends are invited to take part. Research shows the presence of male role models in schools reduces behavioral issues and increases student achievement.
Members help with car-rider and bus duty before and after school, patrol hallways and campus grounds to make sure entrances are secure, help teachers with in-class activities, mentor students and eat in the cafeteria with students. Participants must complete a background check.
For more information, contact the school at 825-6130.
SurfKY News
Information provided by Lori Harrison
© Copyright 2014 SurfKY News Group, Inc. All rights reserved. This material may not be published, broadcast, or rewritten without permission. SurfKY News encourages you to share this story by using one of the social media links below.
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Delivery and returns
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- FREE Collection in store* to your chosen participating UK store.
- Choose your collection date at checkout when placing your order. We recommend that the delivery date you select is 24 hours before your special occasion. Food to Order can only be collected in store. Food orders are not able to be delivered to UK or international home addresses.
- More about collecting food orders >
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- We'll carefully prepare your food order just for you, so please consider our preparation time when placing your order. Some food orders take than longer to prepare than others. Please take a look at each product for more details. Orders can only be amended up to 24 hours before we begin to prepare your food.
- More about preparation times >
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If you'd like to speak to us about your food order call us on 0333 014 8222, our lines are open 8am to 7pm every day.
It's really important that you collect your food order from store on the arranged date. As food orders are perishable, we don't keep them until the next day. If you don't collect your food order, you'll receive a 30% refund.
More details
This beautiful, modern four-tiered chocolate wedding cake is topped with milk chocolate ganache and chocolate sprinkles, and finished with elegant dark chocolate plaques. We've styled the cake by adding fresh fruit to show you how to personalise it to your wedding theme.
Item details
- Dimensions: Small- Diam.11cm
- Medium- Diam.15cm
- Large- Diam.20cm
- Total height- 33cm
- Weight: 4650 g
- Suitable for Freezing: No
- Diet suitability: Suitable for Vegetarians
- All cakes: A rich chocolate cake filled with chocolate ganache covered in dark chocolate
- You may choose to stack your cake using pillars and dowel rods or polystyrene blocks (dowels included)
- Consume Within: 5 days
- Assembly Required
- Fruit pictured is not included
Ingredients Listing: Milk chocolate (19%), belgian dark chocolate (15%), sugar, whipping cream (11%), dark chocolate (9%), pasteurised free range egg, wheatflour, vegetable oils, glucose syrup, invert sugar syrup, dextrose, butter, fat reduced cocoa powder, humectant: vegetable glycerine, emulsifier: e471, e472b, soya lecithin, butter oil, baking powder (raising agent: e450(i), sodium bicarbonate), dried skimmed milk, salt, thickener: e413, stabiliser: e903, vanilla flavouring. Milk chocolate contains sugar, cocoa butter, cocoa mass, dried skimmed milk, milk fat, lactose, emulsifier: soya lecithin. Belgian dark chocolate contains sugar, cocoa mass, cocoa butter, fat reduced cocoa powder, milk fat, emulsifier: soya lecithin, vanilla flavouring. Dark chocolate contains sugar, cocoa mass, cocoa butter, emulsifier: soya lecithin
- Contains
- Wheat
- Soya
- Nuts
- Eggs
- Cows Milk
- Gluten
Not available for international delivery.


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Lenny Zeltser
- Senior
- Twitter: @lennyzeltser
Lenny Zeltser is a seasoned business leader with extensive experience in information technology and security. As a product management director at NCR Corporation, he focuses on safeguarding IT infrastructure of small and mid-size businesses world-wide. Before NCR, Lenny led the enterprise security consulting practice at a major IT hosting provider. He also teaches digital forensics and malware courses for the SANS Institute, where he is a senior faculty member. In addition, Lenny is a Board of Directors member at SANS Technology Institute and a volunteer incident handler at the Internet Storm Center.
Lenny's expertise is strongest at the intersection of business, technology, and information security practices and includes incident response, cloud services, and product management. He frequently speaks at conferences, writes articles, and has co-authored books on network security and malicious software defenses. Lenny is one of the few individuals in the world who've earned the prestigious GIAC Security Expert designation. He has an MBA degree from MIT Sloan and a Computer Science degree from the University of Pennsylvania.
You can learn more about Lenny's projects on his personal website and blog.
"Lenny presented a wealth of knowledge, tied it together smoothly, and I am leaving with exponentially more knowledge." - David Werden, NGIS
|FOR610: Reverse-Engineering Malware: Malware Analysis Tools and Techniques


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New Arrivals
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Gaia Stretch Bracelet
Natural pearl chips fill see-through barrels for a unique wrist adornment.
- Crafted by nature and our studio artisans, no two are quite alike.
- Stretch styling.
- Glass, metal, natural pearls, and resin.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.