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New High-Value Data Sets and Tools
"High value" is defined by the Open Government Directive as information which can be used to increase agency accountability and responsiveness, improve public knowledge of the agency and its operations, further the core mission of the agency, create economic opportunity, or respond to need and demand as identified through public consultation. As described earlier, the Chief Information Officer Council and Data Council at HHS have executed an initial review of the current inventory of HHS data to see what additional high value data can be released. A directory of major HHS data and statistical systems is available at http://www.hhs-stat.net/scripts/meta_des_new_17.cfm and is continually updated, and an inventory of Office of Management and Budget-approved data collection projects is available at http://www.reginfo.gov/public/do/PRAMain.
As a result of this initial portfolio review, HHS has decided to release 14 new high-value data sets and three new high-value tools on Data.gov by the end of 2010. Of the 14 new high-value data sets, 12 have never previously been available to the public in any form -- 10 data sets from the Centers for Medicare and Medicaid Services (CMS) alone. (The other two data sets are either online for the first time or downloadable in open format for the first time). The three tools – the CMS Dashboard, FDA-TRACK, and the Office of the National Coordinator for Health Information Technology's Dashboard – will be brand new.
In addition to these 17 new data sets and tools, HHS will be posting more than 40 existing data sets and tools to Data.gov by the end of 2010 – data and tools which are already available online in some form but will be updated with respect to their content and formally registered on Data.gov
We present key highlights, below, with a particular focus on two divisions of HHS that are emerging as leaders of the next generation of transparency at HHS: the Centers for Medicare and Medicaid Services (CMS) and the Food and Drug Administration (FDA).
Centers for Medicare and Medicaid Services (CMS)
We are delighted to announce that CMS is embarking upon a transparency program of unprecedented scope and energy – a development of great importance to HHS and to the transformation of health care. Information is the lifeblood of health care improvement work. Without information, it is impossible to truly understand the current state of health care costs and quality and determine how to improve it. CMS is uniquely positioned to provide such information – and thereby providing transparency both into its own operations and also into American health care itself.
1. The CMS Dashboard. Launched in "beta" mode on CMS's website on April 6, the CMS Dashboard (http://www.cms.gov/Dashboard/)is one of HHS's official "Open Government Flagship Initiatives"
- The Dashboard is an exciting new web application which allows the public to visualize and analyze Medicare spending with unprecedented ease and clarity – beginning with inpatient hospital spending
- The initial version of the Dashboard allows users to track and graph Medicare spending on inpatient hospital services by state, by the top 25 "diagnosis-related groups" (DRG), and by top 10 hospitals for each state and diagnosis-related group over time. Users can also see how much Medicare is spending to support important public policy goals, such as the provision of medical education, additional funding to hospitals that take a disproportionate share of low-income patients, additional payments to rural hospitals, additional funding to hospitals who take cases that incur extraordinarily high costs of treatment, and adjustments for the underlying costs in different geographic regions.
- While much of this data had previously been available in some form to the public, scattered across hard copy and electronic publications, analysis of the data required retrieval of it from disparate places and having your own computer programmer and in-house Medicare expert to pull it together – barriers which the Dashboard now eliminates
- Furthermore, the Dashboard makes Medicare inpatient hospital spending data available to the public in a much more timely way than ever before. Data for a given quarter is published less than three months after the end of that quarter, vs. a previous publication lag time of up to 18 months
- Finally, the beta version of the Dashboard is just the beginning. After moving the Dashboard to full production mode, we plan to evolve and grow the Dashboard on an ongoing basis, adding more and more data and functionality – beginning with the next major release of the Dashboard in the fall of 2010
- The Dashboard will provide the public, researchers, policymakers, health care providers, and others with key information on the status of and emerging trends in Medicare service utilization and spending – insights which will help power better-targeted, more timely work to improve our health care system
Sample Screenshots from the CMS Dashboard
- As a by-product of administering Medicare, CMS maintains a comprehensive database of claims for all traditional Medicare beneficiaries (about 80% of the Medicare population) – claims from different settings and types of care, including (1) inpatient hospital, (2) outpatient hospital, (3) skilled nursing facilities, (4) home health, (5) hospice, (6) carrier (physicians and suppliers), (7) durable medical equipment, and (8) prescription drugs
- To date, access to these claims has been very restricted
- CMS is initiating a project to improve access to its data by creating "basic files" from claims data for public use
- The primary product will be a set of "basic files" containing 2008 claims data for a randomly selected 5% sample of the Medicare population (about 2.4 million beneficiaries). There will be a separate file for each of the eight claim types noted above. CMS also plans to create an "enrollment file" describing the number and the demographics of the beneficiaries in the 5% sample to support the calculation of population-based rates and proportions
- The files will be carefully stripped of information and include only a limited number of variables– hence the term "basic files." This work will be executed through a rigorous and intensive process, consulting closely with privacy experts, re-identification experts, researchers, and key stakeholders, to ensure that beneficiary confidentiality is entirely protected. As a key note, each of these 9 files will be "stand-alone" files, published without identifiers that link claims across files to a given beneficiary -- to ensure that a beneficiary cannot be re-identified through their pattern of claims. The de-identification protocol applied to these files will also be such that claims will not be able to be linked to individual providers
- We are planning to make these 9 files available to the public, downloadable at no charge, through Data.gov. The first of the claim "basic files" will be released in September 2010, and all 9 of them will be published by December 2010
- This will represent the first time these kinds of data have been made available to the public
- These files will allow users to study health care services provided through the Medicare program in ways never possible before. The effort is intended to enhance Medicare program transparency and can provide a vital spark for new research and innovation, ultimately leading to improved outcomes for Medicare beneficiaries and the Medicare program.
3. Significantly improved user interface and analytical tool for the public to use to access CMS's existing COMPARE data on health care provider quality performance – launched with the roullout of this Open Government Plan at data.medicare.gov
- As mentioned previously, one of the most potent and useful data sets CMS has published on Data.gov is detailed quality performance data for individual hospitals, nursing homes, home health agencies, and dialysis providers across the country – a data set called "COMPARE"
- This data can help consumers make better care decisions. Providers are using COMPARE data as an important tool to help them guide their quality improvement efforts, with measurable and discernible results. The COMPARE data set helps researchers gain new insights into care delivery, and aids policymakers in their decisionmaking
- While quite powerful, this data set has been difficult for users to utilize and manipulate in the past, hampering its impact
- At data.medicare.gov, as of the rollout of this Open Government Plan, CMS has now launched a new user interface which the public can use to not only view the data much more easily, but also to customize that view by providing sort, search, and filter capabilities. In addition, users will be able to socialize and share the data through social media networking sites such as Facebook, Twitter, etc.
4. Medicare Part B National Summary File – now downloadable at no charge
- This file provides a detailed breakdown of the volume of physician services delivered to Medicare beneficiaries and how much Medicare paid for those services – by type of physician procedure. It can be used to look at trends in types of services delivered over time or to better understand the magnitude of the health needs of the Medicare population
- This much-in-demand file was previously available for a fee of $100 per year and only on CD ROM
- On January 22, as part of the new high value data sets HHS delivered to the public as per the Open Government Directive, CMS made the 2008 Part B National Summary File available downloadable from Data.gov for free. Files from 2000-2007 are now also available for download from the CMS website for free
5. Medicaid State Plan Documents – to be put online on CMS's website by the end of 2010
- CMS has initiated a multi-stage project to place the detailed formal documents describing each state's Medicaid Plan (each of which is unique) on the CMS website, much as the documents describing the Children's Health Insurance Program State Plans are currently on the CMS website
- Through the Medicaid program, states and the federal government fund a wide range of health services for low income families, pregnant women, children, the elderly, and the disabled
- The Medicaid State Plans are the legally binding documents that serve as contracts between the federal and state government. Each State Plan outlines in detail the nature of that state's particular Medicaid program, including benefits provided, populations covered and extensive details on the program's structure, financing and management. They are each accompanied by a stream of amendments that modify the program on an ongoing basis
- Putting the State Plans and their associated amendments online will promote accountability and provide valuable information for citizens about what their government is doing
- The process of compiling all plans and amendments, ensuring that they are complete and accurate, validating them with the states, and putting them online on the CMS website in a standard format should be completed by the end of 2010.
6. New community-level indicators of health care cost, quality, and utilization, to be supplied by CMS to the new HHS Community Health Data Initiative by the end of 2010
- As a key part of HHS's new Community Health Data Initiative – another one of HHS's "Open Government Flagship Initiatives" – CMS will be contributing an exciting new set of metrics that describe community-level Medicare prevalence of disease, quality, costs, and utilization of services across the country at a national, state, regional, and potentially county level
- These community indicator metrics, derived from Medicare data, will either be brand new to the world or at a finer level of precision than has previously been available to the public from other sources
- Combined with other HHS data on the health and health care performance of communities, this vital new CMS data can be used by a wide variety of stakeholders to gain new insights into local health and health care performance and to develop new tools, strategies, and programs to improve the value of health care and health performance in local regions
- For more on the Community Health Data Initiative, see the Flagship Initiatives section
Food and Drug Administration (FDA)
Like CMS, FDA is engaged in an unprecedented push to become more transparent. Two of FDA's initiatives are highlighted here as official HHS "Open Government Flagship Initiatives" -- the FDA Transparency Initiative and FDA-TRACK.
1. FDA Transparency Initiative
FDA Commissioner Dr. Margaret Hamburg launched the agency's Transparency Initiative in June 2009. Over the years, some stakeholders have complained about FDA's lack of transparency. The agency has been referred to by some as a "black box" that makes important decisions without explaining them. The objective of the FDA Transparency Initiative is to render FDA much more transparent and open to the American public. Increasing FDA's openness will help the agency more effectively implement its mission to promote and protect the public health by providing the public with useful, user-friendly information about agency activities and decision-making.
Commissioner Hamburg formed an internal task force representing key leaders of FDA to oversee the initiative. Commissioner Hamburg asked Dr. Joshua Sharfstein, the Principal Deputy Commissioner of the FDA, to chair FDA's internal task force, whose members include five of the Agency's Center Directors, the Chief Counsel, the Associate Commissioner for Regulatory Affairs, and the Chief Scientist. The Task Force was charged with soliciting public input on ways the agency can improve transparency and making recommendations to Commissioner Hamburg for ways the agency can operate more transparently to benefit the public health.
Over the last eight months, the Task Force has held two public meetings, launched an online blog (accessible at http://fdatransparencyblog.fda.gov/), opened a docket, and held listening sessions with representatives of regulated industry.
At the first public meeting, the Task Force solicited comments on how the Agency could improve transparency overall. Thirty five individuals provided comments during the meeting and 335 people attended in person or watched the live webcast of the eight hour session.
At the second public meeting, the Task Force solicited comments on three specific issues related to transparency at the agency: (1) early communication about emerging safety issues concerning FDA-regulated products, (2) disclosure of information about product applications that are abandoned (no work is being done or will be undertaken to have the application approved) or withdrawn by the applicant before approval, and (3) communication of agency decisions about pending product applications. Sixteen individuals participated in the groups convened to discuss each issue as well as during the open public session.; One hundred seventy four people attended the meeting in person or watched the live webcast.
The online blog and the docket have received over 1,380 comments. The blog has offered an opportunity for exchange about specific ideas for transparency at the agency.
The Task Force is also collecting information on how to improve FDA's transparency to regulated industry. It held three listening sessions with members of regulated industry in January 2010 and have made available the transcripts and summaries of those listening sessions (accessible at http://www.fda.gov/AboutFDA/WhatWeDo/FDATransparencyTaskForce/default.htm).
The Task Force is proceeding with the Transparency Initiative in three phases:
Phase 1: FDA Basics. The first phase is intended to provide the public with basic information about FDA and how the agency does its work. In early January 2010, FDA launched a web-based resource called FDA Basics (accessible at http://www.fda.gov/fdabasics). The launch involved a media call and webinar with bloggers on FDA issues. This resource now includes (1) 115 questions and answers about FDA and the products that the agency regulates, (2) eight short videos that explain various agency activities, and (3) conversations with nine agency officials about the work of their offices.
The initial content for FDA Basics was based on questions and comments the agency frequently receives from the public. FDA will continue to add user-friendly information to the site.
In addition, visitors to FDA Basics can rate the helpfulness of the information provided and suggest additional questions for inclusion in FDA Basics. The agency has received over 2,700 comments from the public since the launch of the FDA Basics resource. Feedback provided by the public is used to update the resource.
Each month, senior officials from FDA product centers and offices host 30 minute online sessions about a specific topic and answer questions from the public about that topic. Each of these sessions is announced on the FDA web site, the online blog, and promoted to other stakeholders FDA employees identify.
The FDA Basics webinar series was launched in February with a webinar on "Access to Investigational Drugs," hosted by FDA's Office of Special Health Issues. An audio replay and copy of the PowerPoint slides from the session are available on the FDA Basics web site.
Early reaction to FDA Basics has been positive. One blogger wrote, "[t]he initiative can go a long way toward educating the public about what FDA does—and how—and also provide industry with real-time answers to their daily challenges, ultimately improving product quality and patient safety." Another blogger wrote," [i]t is really well put together, clear and works quite well... The site is not only supportive of transparency, but is highly instructive and educational."
Phase 2: Public disclosure. The second phase of the FDA Transparency Initiative relates to FDA's proactive disclosure of information the agency has in its possession, and how to make information about agency activities and decision-making more transparent, useful, and understandable to the public, while appropriately protecting confidential information.
Phase 3: Transparency to regulated industry. The third phase will address ways that FDA can become more transparent to regulated industry, in order to foster a more effective and efficient regulatory process. FDA is now seeking public input through the Federal Register Notice process, and draft recommendations from this phase are expected in the spring of 2010.
In addition to the FDA Transparency Initiative, the other FDA project to be designated an official HHS "Open Government Flagship Initiative" is FDA-TRACK, the FDA's new agency-wide program performance management system. When fully implemented, FDA-TRACK will monitor over 90 FDA program offices through key performance measures that will be gathered on a monthly basis. Each quarter, the FDA-TRACK team will analyze monthly performance data, with senior managers presenting these data to FDA senior leadership.
Very importantly, the public will be able to track the agency's progress through the FDA-TRACK website – which will debut in "beta" mode on April 7, with most of FDA's offices represented.
Consistent with the principles of open government, FDA-TRACK adheres to values that comprise its name – Transparency, Results, Accountability, Credibility and Knowledge-sharing.
Transparency – The FDA-TRACK website (fda.gov/fdatrack) enables all interested external and internal visitors to view performance data at the program office level and gain a better understanding of the breadth of FDA's core responsibilities, as well as see progress on important projects and programs. When fully implemented, the website will include data for over 300 performance measures and 80 key projects at the FDA. The website will be updated regularly so viewers can monitor the accomplishments and trends for each program area. Complementing the work of the Transparency Task Force, FDA-TRACK exemplifies FDA's commitment to expanding public access to important information.
Results –FDA-TRACK highlights performance measures with relevance to the agency's public health mission. These include the timeliness of reviews, the number of high risk inspections completed, and the completion of key research projects. Over time, FDA intends to include more measures that reflect public health outcomes across a broad range of agency activities.
Accountability – Developing, tracking and reporting performance measures will improve the agency's accountability to the public. In addition, internal discussions between FDA's senior leaders and program office senior management are conducted each quarter to promote sharing of ideas and hold each FDA office accountable for its priorities, plans and results.
Credibility – Sharing information about FDA performance is important for the agency's credibility. The FDA-TRACK website will provide an unprecedented look into how FDA does its work. The site also allows visitors to submit comments on both the general features of the program as well as specific performance measures. Website hits and feedback will be monitored on a daily basis by the FDA-TRACK team, and suggestions will be considered as part of our continuous improvement efforts. A recent suggestion from early FDA-TRACK work led to the development of FDA-TRACK Dictionaries that provide a plain language explanation for each of the performance measures reported.
Knowledge-Sharing – FDA recognizes that we can improve our operational effectiveness through better collaboration and sharing of ideas. The implementation of FDA-TRACK will enable us to identify common issues and interdependencies among our program offices. As a result, program offices are working with one another as well as reaching out to other agencies to collaborate in achieving their performance objectives.
FDA-TRACK is a federal level adaptation of successful performance management programs from the state and local level. FDA's Office of Planning organizes and coordinates the FDA-TRACK process with all of the over 90 program offices across the nine FDA Centers and major offices.
Each of the program offices is responsible for collecting and providing monthly data in preparation for reporting performance via the FDA-TRACK dashboard (see Chart 1). The dashboards are presented to senior leadership through quarterly briefings. The data are then posted to the FDA-TRACK website.
Chart 1: Illustrative - FDA-TRACK Dashboard
FDA-TRACK publicly reports performance indicators and related data in four categories:
Common MeasuresFDA-wide measures that are applicable to each of the over 90 program offices and may focus on the agency's most recent priorities. Example: increase the total number of employees who are trained in the Incident Command System (ICS), which helps the agency respond to emergencies.
Key Center Director MeasuresCenter-specific measures that are applicable to each Center and are central to the Center's priorities and strategic goals. Example: increase the FDA's technical guidance by increasing the number of FDA technical publications, which enables the Center to better communicate with industry and consumers.
Program Measures - Program office-specific measures that are applicable to the office and reflect work important to the public and FDA's mission. Example: increase the percentage of 510(k) (or Class II medical devices) decisions made on time during the month (see Chart 2).
Chart 2: Percentage of 510(k) Decisions made on Time
Key Projects - Program office-specific projects that are applicable to the office and important to the mission and objectives of the office. Performance for Key Projects is measured through achievement of the stated milestones within the project's plan. Example: the development of a new risk-based approach for evaluating safety, effectiveness, and quality of new animal drugs.
The FDA's senior leaders are committed to making FDA-TRACK successful and sustainable. To accomplish this goal, FDA anticipates continuing to improve this program so it becomes an everyday essential management tool for all program offices. Planned improvements as FDA-TRACK matures include:
- Alignment of FDA-TRACK measures to the annual agency performance measures such as those required by the Government Performance and Results Act of 1993
- Alignment of FDA-TRACK measures to individual employee performance plans
- Improvements to FDA-TRACK data management and reporting software
- Improvements to measures based on public input and experience so that measures can be more closely tied to the public health mission of the agency
- Implementation of improvements to FDA-TRACK performance data analysis to enable better predictive outcomes and other quantitative data-based decision making
FDA is working to make FDA-TRACK a model for open government at the federal level.
3. Other FDA Transparency Actions
In addition to these initiatives, FDA is planning to post new summary aggregate data resulting from the new Reportable Food Registry, beginning in Q4 FY 2010. The FDA Reportable Food Registry contains information about foods for which there is a reasonable probability that the article of food will cause serious adverse health consequences or death. Regulated industry submits reportable food reports to FDA for possible inclusion in the Registry via an electronic portal. Federal, state, and local government officials may also voluntarily use the electronic portal to report information that may come to them about reportable foods. FDA plans to post reports summarizing certain aggregate data from the Registry online. In Q4 FY 2010, FDA also plans to enable the FDA Recalls website to provide drug, device, and food recall data in XML format to empower users to download, reuse or mash-up recall information.
Other Transparency Actions at HHS
In addition to the ambitious agendas being pursued by CMS and FDA, other divisions at HHS are pursuing notable new actions with respect to transparency as well:
- The Administration on Aging (AoA) will be posting a raw data set from the Annual National Survey of Older Americans Act Participants in Q4 FY 2010. This data has never been posted online in a downloadable format or otherwise been made available to the public as a data set.
- The Centers for Disease Control and Prevention (CDC) will be posting a brand new data set -- BioSense Condition-Specific Data, based on reports to the CDC's BioSense system from participating electronic health records systems (for example, statistics on dental-related emergencies that show up at hospitals).
- The Office of the National Coordinator for Health Information Technology (ONC) is in the process of developing a comprehensive performance measurement system and corresponding performance dashboard (ONC Dashboard) for its activities and programs. This Dashboard will assist ONC in monitoring its many programs and grantees, facilitate assessment of progress toward its goals, and position ONC to serve as a leading example of Open Government. In creating the ONC Dashboard, ONC will use information generated by its programs, its internal processes, its formal evaluations and other data collection efforts as needed. Given the wide range of measures to be collected, the Dashboard will have broad capabilities to support different stakeholders' need for information. ONC's performance planning is projected to be complete by late spring, with the beta version of the ONC Dashboard launched for public view before the end of 2010.
Data Set/Tool
Release Date
CMS Dashboard
Released April 6, 2010
9 Medicare claim "basic files"
First file released in September 2010
Last file released in December 2010
New user interface/analytical tool for COMPARE data at data.medicare.gov
Released April 7, 2010
Medicaid State Plan documents
New Medicare community-level indicators of health care cost, quality, and utilization to be supplied to the Community Health Data Initiative
Released April 7, 2010
Summary data from the FDA's Reportable Food Registry
FDA recall data downloadable in XML format
Administration on Aging Annual National Survey of Older Americans Act -- raw data set
Centers for Disease Control and Prevention BioSense Condition-Specific Data
Office of the National Coordinator for Health Information Technology Dashboard
This is buried on the CMS website along with the Part D Dashboard. Why isn't there a link off the main page so it is easier to find?
I see there is now a Medicare Part D Prescription Drug Dashboard published. Good work and glad to see there is more information becoming available to the public in a user-friendly format. You should add this information to your page.
Have any of the 9 Medicare "basic files" been released? If so, can you provide a link to them? If not, can you provide a firm release date for them?
Hi my name is Jessica I am currently a nursing student and I find that the new transparency of health care to be intriguing. I believe that although health care companies may not agree with complete transparency, in the long run the new transparency in health care will help fix problems and providers will be able to better take care of their patients with the new wealth of knowledge such as knowing what is paid for under DRG's." My question is, do you believe that the new transparency of health care is going to create any long term problems such as providing a way to cheat the system?
Is there a process to select the data sets that are made available? We have an information repository available in XML format that might be appropriate to share but I don't know what the process is.
Medicare Dashboard is regularly updated with recent data. Thank you for those updates. When will another dashboard with different medicare data be released?
Congratulations to the CMS Medicare Dashboard Team for winning the CIO Council Leadership Award 2010. http://www.gsa.gov/Portal/gsa/ep/contentView.do?pageTypeId=10430&channelId=-24825&P=&contentId=29552&contentType=GSA_BASIC The Chief Information Officers Council Awards recognize employees and teams committed to using technology to open government, improve citizen engagement, and strengthen network security. The CMS team launched a Dashboard that allows the public to visualize and analyze Medicare spending with unprecedented ease and clarity.
Great way to make CMS data more meaningful. Not that I understand the data displayed...but it is far more user friendly, that is for sure. It shows what COULD be done to answer a question and provide information to those who seek it. I heard about this from others and had to check it out for myself. This can really be helpful to everybody, and I hope that CMS continues down this road with more helpful information displays of this type.
The Medicare Dashboard is an awesome tool. This is a huge leap forward for visualizing data in a useful, informative manner. Kudos to CMS for making data more transparent. There will probably be people out there who do not like this transparency, especially when raw data is turned into valuable information, but, too bad for them. It's time that the wealth of CMS data be turned into useful information for all - not just those who live in a the flat world of spreadsheets. Finally, a way to actually see Medicare information at work!! I can't wait to see other Medicare dashboards that use Parts B, C, D and Medicaid data. CMS can keep the privacy protections for the data by always summarizing it at national or state or some aggreagte level - that's where some of the most interesting information is, anyway (especially to taxpayers and politicians, alike). LOVE IT and keep going, CMS!


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MP4Nation Brainwavz M2
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MP4Nation Brainwavz M1
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White Earphones Earbuds With Microphone for iPod iPhone
Generic hands-free stereo headset w/ On Off switch. Enjoy Hands-free conversations. Includes integrated earpieces and microphone. Cord mounted ON/OFF button which lets you take calls and hang up easily. Excellent sound quality and super clear sound. Keep your hands free and on the wheel. Color: Black. Includes: 2 additional sets of ear bud cushions - Black. Accessory ONLY. Phone not included....
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subset: commoncrawl


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Our bodies don't recognize them as food - While we're making our New Year's resolutions, maybe one of the things we should change in '09 is our soda habit. Some researchers think that they're the main cause of obesity in the US and there's a reason for this that goes beyond the sugar (or high fructose corn syrup) that's in them!
In the December 17th edition of the New York Times, Nicholas Kristof quotes nutritionist Barry Popkin as saying, "Soft drinks are linked to diabetes and obesity in the way that tobacco is to lung cancer." A new study shows that over the past two decades, the number of adults consuming sugar-sweetened beverages such as soft drinks, fruit drinks and punches has increased dramatically.
When our human bodies evolved, the only thing we drank was breast milk for the first few years, until we were old enough to eat food. If liquids (like water) made us feel full, it would have been bad for us, since after weaning, we wouldn't have been motivated to search for anything to eat and would have just drunk water to quell our hunger pangs, so the species would have died out.
This is why our bodies do not feel "full" when we've had only liquids (which is why liquid diets don't work). Although a soda contains the calories of a piece of fruit, it does not fill us up, (so it fills us OUT).
Nutritionist Sara N. Bleich says, "More adults are drinking sugar-sweetened beverages and, among those drinkers, consumption has increased. From 1988 to 2004, the percentage of sugar-sweetened beverage drinkers increased 5%."
Art credit: freeimages.co.uk
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Home > Research & Publications > Carr Center Working Papers Series > Prasse-Freeman, Elliott, "Policy Memo..."
|"Policy Memo: The UN's on-going and (necessarily) evolving role in Burma/Myanmar"
|Elliott Prasse-Freeman
|Publication Date:
|The anticipated 2010 elections may provide opportunity for the United Nations to evolve its Burma programme. Currently, the UN is incapable of addressing the "root causes" of Burma's political-economic challenges. This is primarily due to the UN's forced separation from the state, the key entity creating and exacerbating those challenges. UN programme evolution must recognize this paradox and undermine it by making simultaneous changes in three realms: the policy, the grassroots, and the political. First, advocacy must engage the state to reform damaging institutions and policies, with a focus on proposing solutions which target support for the agrarian economy. Second, pro-poor activities, including direct support, should be maintained and expanded to more areas (especially ethnic ones). Third, the UN must develop a Good Governance program to support opposition parties and facilitate National Reconciliation amongst multiple ethnic groups (Bamar included). Each of these reforms must occur (relatively) simultaneously, thus acting to mutually reinforce one another. The key platform for accomplishing these reforms is through the (re)instatement of a coherent UNDAF. The key commitment required is a realignment of UN organizational goals in Burma.
|Full Text:


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Analysts' Actions: ALKS CBI CMA SEAS
NEW YORK ( TheStreet) --
Akadia Realty Trust (AKR) was downgraded to hold at TheStreet Ratings.
Alkermes (ALKS) was initiated with an outperform rating at Leerink Swann. Company has a growing legacy business and an attractive pipeline opportunity, Leerink Swann said.
Chicago Bridge & Iron (CBI) was initiated with a neutral rating at Robert Baird. Valuation call, based on a $73 price target, Baird said.Comerica (CMA) was downgraded at Wunderlich to hold from buy. Valuation call, based on a $40 price target, Wunderlich said.
VAALCO Energy (EGY) was upgraded to buy at TheStreet Ratings. Palo Alto Networks (PANW) was upgraded at Pacific Crest to outperform. $65 price target. Company is a market leader that is gaining market share, Pacific Crest said.
Seaworld (SEAS) was initiated with a buy rating at Keybanc. $45 price target. Company has superior growth prospects, Keybanc said. Seaworld was initiated with a neutral rating at Lazard Capital Markets. Valuation call, as the stock is up 40% since the IPO, Lazard Capital Markets said.
STOCK COMMENTS / EPS CHANGESDenbury Resources (DNR) was upgraded at Credit Suisse to outperform from neutral. $24 price target. Estimates also boosted, as the company is looking to change to a growth and income model, Credit Suisse said. Ford (F) price target and estimates were raised at Citigroup. Earnings estimates were increased given a very strong North America and improving execution in Europe, said Citigroup. Price target goes to $18, and the High Risk rating was removed. FleetCor (FLT) price target and estimates were raised at Citigroup. Earnings estimates were increased on strong organic growth, M&A accretion, and a very healthy business development pipeline, said Citigroup. Price target goes to $97. Landstar (LSTR) estimates, price target were cut at Credit Suisse. Shares are now seen reaching $61. Estimates were also reduced, given the company's new guidance, Credit Suisse said. Outperform rating. Lululemon (LULU) price target and estimates were raised at UBS. Earnings estimates were increased as sales and margins look strong despite the Luon pants issue, said UBS. Price target goes to $90.
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Total 911
Fast Car
duPont Fine Automobiles
Top Marquees
Top Marquees is a magazine that comes out every two weeks with pages and pages of prestige cars for sale. The UK magazine provides buyers with 200 pages of glossy color photos of performance, classic and luxury cars like Audi, Saab, Mercedes Benz, and Jaguars and 4X4s worth millions. The magazine offers both used and new cars for sale.
The magazine has been around since 1994. Circulation continues to grow with more than 32,500 readers in the UK. In the magazine, you will also find articles on how to assess your car, and how to sell it for the best price possible.
In the magazine, there are reviews of new cars like the BMW 1 Series Cabriolet, and feature articles on subjects like how to get a supercar in which the author Vijay Pattni tells you how it is. Vijay provides a comprehensive look at what it is going to get financially to purchase and maintain a supercar. According to Vijay there is the number of you need to purchase the supercar, how much it will cost to operate, and how much for auto insurance. He also suggests you join an owners club to learn as much as you can about the car you want. In addition, Vijay says to make sure that you take someone with you when you see and test drive the car so that both of you can check the car over for different things. Another report gives you buying tips to get you through the sometimes confusing process of purchasing a new or used car. If you are not sure what to check, you can get a list of essential things to evaluate when buying a car from within the pages of Top Marquees.
Subscribe to Top Marquees for the best in UK cars.
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When it comes to design, finding a process is the key to organization and efficiency. No matter what type of project, I believe in starting all my design projects with the key step: communication.
It's hard to begin a design without knowing the full facts. I make it my job to learn as much as I can about the project and what the client's goals are for the final piece. If I'm unsure, I ask questions. If I'm having artist's-block, I ask for feedback. And if the client is unsure, then I'll be prepared to offer my own opinions.
With a combination of research and creative references, I usually like to begin sketching out ideas. Following that, if necessary, I wireframe a potential design to show clients for feedback. Once a sketch or wireframe is solidified, I normally begin designing a few rounds of rough mocks for options and comparisons.
From there, narrowing the decision to one design and focusing on specific aspects allows for a smooth finish. Depending on what type of design, print, web, or possibly mobile, I always do my best to follow through with the design to the end, including any production or pre-press work.


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Farberware Classic Series 10-in. Covered Frypan
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Marianna fl Free & Income Based Clinics
We are the largest online directory of free and affordable medical clinics.
Home » Florida Free Clinics » Marianna Free Medical Clinics
Free & Income Based Clinics in Marianna, FloridaWe have listed all of the free and income based health clinics we have located in Marianna, FL. For the most part these clinics are for low income persons.
Review all of the information we have provided for the clinics. Some of them provide a wide array of services ranging from free to sliding scale services. We have provided as much detailed information including phone numbers, emails, and websites where available.
Faith Health Clinic Marianna Fl - Marianna
4182 Baltzell StreetHoursMon - 6 PM - 98 PMTues - 6 PM - 9 PMWed - 9 AM - NoonThur - 6 PM - 9 PMFri. - 9 AM - NoonServices Offered: General Medical Care, Health Education for Partnership in Health Care, Immunizations and Vaccinations (including flu & hepatitis), Blood Pressure Screening, Diabetes Screening, School see full details..
Marianna, FL - 32447
Marianna, FL - 32447
More Area ClinicsDue to the small number of clinic listings in Marianna, we now list other area healthcare resources. See our list below.
Alford Community Medical Clinic - Alford
1770 Carolina St.Location: 10.61 miles from Marianna
Alford, FL - 32420
Alford, FL - 32420
Clinic hours: 1st & 3rd Saturday of each month, 10am to 2pm. ... see full details..
Rivertown Community Health Cen - Blountstown
19611 State Road 20 W.Location: 25.11 miles from Marianna
Blountstown, FL - 32424
Blountstown, FL - 32424
On Tuesdays and Wednesdays, comprehensive Women's Health Services are provided by their nurse-midwife, Jocelyn Stowell, CNM, ARNP. Family Planning Services include a variety of birth control methods, from emergency contraception and short-term methods to permanent methods, as sterilization. Gynecological care with ... see full details..
Liberty County Community Healt - Bristol
12832 N.W. Central Ave.Location: 28.04 miles from Marianna
Bristol, FL - 32321
850-643-2415 x2
Bristol, FL - 32321
850-643-2415 x2
Permanent Clinic.... see full details..
Liberty Community Health Care - Bristol
10971 N.W. Spring St.Location: 28.34 miles from Marianna
Bristol, FL - 32321
Bristol, FL - 32321
Permanent Clinic.... see full details..
Liberty Chc Bristol Site - Bristol
11033 N.W. Highway 20Location: 30.17 miles from Marianna
Bristol, FL - 32321
Bristol, FL - 32321
Permanent Clinic.... see full details..
Free Clinic City Search
Type the name of a city in Florida.


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Giannis Maniatis scores an equaliser, Olympiakos v Arsenal, UEFA Champions League, December 4, 2012
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Sunday Salon Speakers for 2013-14
HLA members and guests gather to enjoy readings and discussions by selected authors and poets.
The meetings will be held on Sunday afternoons from 3:00 pm to 5:00 pm at various locations as shown for each salon below.
For more information about any of these programs, call 256-971-1929.
September 22, 2013 - Rebecca Rozelle Burt .
Rebecca Rozelle Burt was born and grew up in Talladega, Alabama. She attended Auburn University, married, and later graduated from the University of Alabama at Huntsville. After teaching English in junior high and high schools in various northeastern Alabama locations, she spent the last several years of her career in the English Department of Jacksonville State University. She is the author of a novel, Facing Bulls, published in 2010 and is currently working on another novel, Because I Live Here. She lives in Anniston, Alabama, with her husband, Mack.
Ms. Burt will discuss her latest work, the non-fiction I Had a Daughter. The book is a memoir as well as a spiritual diary. Written by a mother who becomes a primary caregiver for her beloved 46-year-old daughter, the book is composed of a chronological narrative interspersed with pertinent e-mails, inner monologues, and medical data. No component of the author's experience is omitted. Burt does, however, recognize her limitations. "I tell Rozelle's story only as I could perceive it within the space allowed to those we love, the borders of our private inner worlds. I admit to the subjectivity of my perceptions and memories."
This book will provide insights for any reader who has faced adversity and survived. It will also be of interest to anyone who has wondered about the mysterious ways in which we incorporate suffering and loss into our lives without falling into despair.
This salon will be held at Ridley Hall, Church of the Nativity, and it is open to the public.
November 3, 2013 - Harry V. Moore & Margaret J. Vann.
Harry Moore, author of What He Would Call Them, and Margaret Vann, author of Can This Be Heaven?, will discuss their works of poetry at the home of Monita Soni, 207 Veranda Drive, Madison 35758
Members & guests only.
March 9, 2014 - Gerald Duff.
Novelist Gerald Duff will discuss his book, Coasters, at the home of Nancy & Bill Munson, 315 White Street, Huntsville 35801
Members & guests only.
April 13, 2014 - William Cobb.
William Cobb will talk about two of his recent books: a collection, Sweet Home: Stories of Alabama and a novel, A Time to Reap. His earlier novel, The Last Queen of the Gypsies is also available in hardcopy and on Kindle. This salon will be held at the home of Nancy and Richard Corbeille, 14113 Monte Vedra, Huntsville 35803
Members & guests only.
Previous page: Ellis and Hereford
Next page: Events


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A lot of big talent auditioned for American Idol in New Orleans! Most of the backed up by their biggest fans. DeMichael Staes had his father with him, and Shalese Mitchell's mother gave her moral support during auditions. Elizabeth Porter's boyfriend stood by her side and says he's convinced she's the next American Idol.
We should all be fortunate enough to have people in our lives who believe in us and our dreams, and the Idol hopefuls we met in New Orleans are some of the lucky ones. Pretty soon we might be cheering them on too, because any one of them could be the next American Idol!


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The nearest major airport is Fresno Yosemite International Airport (FAT / KFAT). This airport has international and domestic flights and is 5 miles from the center of Fresno, CA.
Another major airport is Visalia Municipal Airport (VIS / KVIS), which has domestic flights from Visalia, California and is 39 miles from Fresno, CA.
Find some hotels near Fresno, CA, or scroll down for more international airports or domestic airports. You can also browse local airports if you're a pilot.
5 miles: Fresno Yosemite International Airport - Fresno, CA (FAT / KFAT)
155 miles: Norman Y. Mineta San Jose International Airport - San Jose, CA (SJC / KSJC)
172 miles: Oakland International Airport - Oakland, CA (OAK / KOAK)
186 miles: Sacramento International Airport - Sacramento, CA (SMF / KSMF)
195 miles: San Francisco International Airport - San Francisco, CA (SFO / KSFO)
304 miles: Reno-Tahoe International Airport - Reno, NV (RNO / KRNO)
5 miles: Fresno Yosemite International Airport - Fresno, CA (FAT / KFAT)
39 miles: Visalia Municipal Airport - Visalia, CA (VIS / KVIS)
60 miles: Merced Regional Airport - Merced, CA (MCE / KMCE)
107 miles: Meadows Field - Bakersfield, CA (BFL / KBFL)
191 miles: Mammoth Yosemite Airport - Mammoth Lakes, CA (MMH / KMMH)
4 miles: Fresno Chandler Executive Airport - Fresno, CA (FCH / KFCH)
28 miles: Madera Municipal Airport - Madera, CA (MAE / KMAE)
31 miles: Wonder Valley - Sanger, CA (QQP)
34 miles: Hanford Municipal Airport - Hanford, CA (VWD)
36 miles: Mendota Airport - Mendota, CA (RQD)
39 miles: Naval Air Station Lemoore - Kings, CA (NLC / KNLC)
41 miles: Chowchilla Airport - Chowchilla, CA (UXD)
51 miles: Mefford Field - Tulare, CA (TLR / KTLR)
53 miles: Corcoran Airport - Corcoran, CA (CRO / KCRO)
60 miles: Woodlake Airport - Woodlake, CA (QQN)
Travelmath helps you find the closest airport to any city, as well as a list of smaller local airports. You can use these pages to plan your trip and figure out the easiest way to get to your destination. Many times there are multiple airports near the city you want to visit, so you can often find a cheaper flight into a different airport. This is especially useful if you are getting a rental car, since it might be better to drive a bit farther in order to save money on airfare. If you're booking an international flight, you probably want the closest major airport, otherwise if you're a pilot you may be looking for a local airport. Use this tool along with the flight distance pages to plan your travel.


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IJC Operational Update, Jan. 13
By SOF Editor on Wed, 01/13/2010 - 11:39am
Printer Friendly VersionSend to a FriendAn Afghan-international security force searched a compound south of the village of Nowabad, in the Mohammad Agha District last night and captured a Taliban facilitator responsible for the movement of explosives, weapons and IEDs. One insurgent was killed in the assault. The security force recovered a shotgun and automatic rifles. In Zabul last night, a joint security force searched a compound south of the town of Degak, in the Qalat District and captured a Taliban facilitator with knowledge of multiple militant networks. No Afghan citizens were harmed during these operations. In an operation in Khowst, Jan. 10, Afghan Border Police and ISAF forces seized munitions from insurgents. Items found during the operation included: four 82mm mortar rounds, one 75mm recoilless rifle round, four 76mm recoilless rifle rounds, 31 RPG rounds, 12 chest racks, several DSKA rounds, RPG boosters and ANP and ANA uniforms. Senior leaders visit ANA soldiers ANA soldiers stationed at Forward Operating Base Kalagush in Nuristan province received a surprise visit, Jan. 3, from ANA Col. Mohammed Afzal, commander of the 2nd Brigade, 201st ANA Corps. The colonel came with ANA Col. Rafi, the ANA commander of Nuristan Operations Coordination Center, and three Afghan reporters to assess eastern Afghanistan's main artillery training facility as they near completion of their training. The training will enable ANA soldiers to carry out artillery support without the assistance of Coalition forces. Capt. Gul, the Afghan battery commander, escorted the group to the firing position, where 122mm Howitzers were emplaced. ANA Sgt. Wardak, one of the two gun line chiefs, showed them the important pieces of the Howitzer and how his crew worked the gun before, during and after a standard fire mission. Under Wardak's supervision, the soldiers conducted two "dry missions," or rehearsals, doing everything to standard, except firing the round. The gun crew then fired three 122mm high explosive rounds into a nearby mountain. ANA Staff Sgt. Mongei Boi, the non-commissioned officer in charge of the Fire Direction Center, showed the group how the gun receives its data for the fire missions. The soldiers later showed the command group terrain association with maps; displaying the knowledge they had learned from their U.S. Marine Corps Embedded Training Team, and the assistance of the 2nd Battalion, 77th Field Artillery Regiment Fire Direction Center and gun line. "I am so happy with the progress you have made with your new commander [Capt. Gul]," Afzal told the soldiers. "After observing your knowledge and enthusiasm I am going to make it a priority to order six new computers, one for each of your Fire Direction Centers." "I have been travelling throughout my country for a long time, recording and displaying the progress of the Afghan military to the citizens of Afghanistan," said Zaman Mohammadi, an Afghan reporter working for Shamshad Television. "I have seen so much progress; it makes me very happy." To celebrate the leadership displayed by the Afghan leaders and the soldiers that they command, Rafi bought a goat for the battery and invited the ISAF members who helped train the battery to the ANA command post for a traditional Afghan feast. Lt. Col. Michael Forsyth, 2nd Battalion commander, praised the Afghan battery commander for his leadership and the soldiers he commands. "It's been great having your battery here to train," Forsyth said. "They have been a great help with patrolling the nearby villages. They know and interact with the villagers. They are helping to better our relationship with the Afghan people." "Without your training and cooperation this would not be possible," Afzal told Forsyth. "Because of the training you have established with my unit here, I plan on cycling out these trained soldiers to the front lines to teach the lessons they have learned here to their counterparts." The leaders discussed future ANA training. A plan to transfer the fully certified soldiers from FOB Kalagush to other ANA batteries is expected in the near future.


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List By Category:
Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following: The study of money and other assets The management and control of those assets Profiling and managing project risks As a verb, "to finance" is to provide funds for business.
Executive Expert Witnesses:
San Diego, CA, US
30+ years of commercial/residential real estate lending experience in major southwest US markets. 10+ years of management experience in a commercial banking environment. Expert in underwriting, documentation and administration of real estate portfolios. Expert in early detection and work out of problem assets, loss mitigation, bankruptcy, OREO. Extensive lending experience with local, regional and national home builders. Excellent business development, negotiation, credit analysis and presentation skills. Ability to create high yielding production offices and build efficient, productive and cohesive teams.
New York, NY, US
Asset management, management consulting, and structured finance
San Antonio, TX, US
B & F Experts
40+ years financial institutions experience including 17+ years as President / CEO / Director & 6+ years Mortgage Company director. 34+ years of loan experience: real estate, mortgage, warehousing, construction, business, consumer, international, SBA, L/C. Other areas: brokers, operations, fraud, check processing, lender liability, policies & procedures, compliance, fiduciary duties, officer/director conduct. 15+ years of leadership in banking trade associations at the state and national levels. 175+ nationwide cases including FDIC, State of California, banks & non-banks.
Professional Expert Witnesses:
Acton, MA, US
A strategic manager of high integrity and creativity with a 35-year record of consistent success in furthering the goals and objectives of the organization through cross-functional management of strategic direction, policy development, operations, and financial management. Excellent analytical and interpersonal skills.
Brooklyn, NY, US
The Yadid Group, LLC
We are Experts in Credit. Specifically the credit industry including credit reporting and credit scoring. We provide litigation support to attorneys who represent plaintiffs or defendants involved in credit related legal disputes. We can consult, offer opinions and reports, provide rebuttal reports, expert testimony, depositions and much more. Eli Yadid is the President/CEO of Credit Pro Repair, a credit restoration firm, and also the President of The Yadid Group, LLC, a credit expert witness firm. FCRA, FDCPA, Identity Theft, Credit Damages expert. Based in New York with no geographic boundaries.
Atlanta, GA, US
The Ulzheimer Group, LLC
FCRA, FDCPA, Identity Theft, Credit Damages expert. John Ulzheimer is the president of Consumer Education for Credit.com and The Ulzheimer Group. He has spent 18+ years in the consumer credit environment with 6 of those years at Equifax and 7 with FICO, inventors of the FICO credit score. He has detailed understanding of credit bureaus, credit reports, credit reporting practices, FICO credit scores he is a highly sought after credit expert witness and legal consultant for attorney's engaged in consumer credit litigation. An expert credit witness since 2003, John's case list load to date exceeds 45 cases and is 50/50 consumer/industry. Based in Atlanta, San Francisco and New York with no geographic boundaries.
Malvern, PA, US
The WG Group
Allen Whitehead is the founder of The WG Group and a partner in GCM Credit Repair. He is knowledgeable and experienced in credit scoring, credit reporting, and credit reporting agencies and the Fair Credit Reporting Act
New York, NY, US
Shandelee Trading, LLC
Options, Securities, Futures and Derivatives specialist. 28 years experience in the financial industry with specialized expertise in all facets options, futures and derivatives;
Charlotte, NC, US
JHA Associates
Jan H. Aniel has more than 25 years of litigation experience, handling the defense of individual and complex commercial and consumer claims, primarily in the financial services sector, including nationwide class and representative actions. With Offices in Charlotte, NC and Los Angeles,CA
Oak Forest, IL, US
Rigley Capital Markets, LLC.
Over 80 years combined Banking and Finance Experience, Rigley Capital Markets has the expertise and network to address any of your banking needs. We specialize in Capital Markets, Lending, Underwriting, Processing, Securitization, Servicing, and Asset Management. Our team of experts is ready to help at any time.
Rocklin, CA, US
Henle Associates
Professional financial services executive and consultant with extensive loan, operations, project, risk management, sales and management experience. Loan experience includes commercial lending, consumer credit, credit card and mortgage lending.
Chris McConville Credit Expert Witness
I have 20+ years in the mortgage business and credit field. I haves reviewed over 15,000 tri merged credit reports with mortgage applicants and have a complete understanding of how reporting errors on credit reports have or do not have on the applicant's ability to borrow through first hand experience.
Westlake Village, CA, US
Easy Credit Relief, Inc
Doug Minor, President and CSO of Easy Credit Relief Inc., Author of the book, Anatomy of Credit Scores , and Founder of www.fcracreditwitness.com , is a recognized expert on credit reporting and credit scoring. Doug is an expert in personal finance, consumer credit, credit law and serves as an expert witness/legal consultant for those involved in credit/mortgage litigation.
Scottsdale, AZ, US
G. Wayne Neill CPA/PFS, CFP
We have been helping our clients since 1991. Wayne is a Certified Public Accountant and Certified Financial Planner. Wayne is a past board member of the State Board of Accountants and the Financial Planners Association.
Charleston, SC, US
Amsterdam Advisors
Roy Owen has a professional career spanning over thirty-five years in management consulting, asset management, financial markets, and structured finance, as well as non-profit management and public policy work on both a compensated and pro bono basis. He is a retired partner in Deloitte Consulting/Deloitte & Touche, where he worked in the firm's financial services, real estate capital markets, and bankruptcy and reorganization services practices, with postings in both the U.S. and Asia. He continues to work as an independent consultant and manager, primarily in financial services and capital markets, with an emphasis on litigation consulting and expert witness engagements. Roy's private sector activities include financial institution restructuring and recapitalization; credit risk management organization, policies, procedures, and technology; asset management and loan servicing policies, procedures, and technology; corporate restructuring and bankruptcy services; litigation management, litigation consulting, and expert witness testimony; productivity and performance measurement and reporting; and development of programs for closing the gaps between current practice and international best practices at client organizations. Roy participated in building Deloitte's real estate capital markets practice in New York and nationally in the early and mid-1990's, delivering services to a combination of investment banks, commercial banks, life insurance companies, investors, and law firms, and served as the lead real estate specialist on the multi-industry management team of Deloitte's national Reorganization Services Group. Following the onset of the Asian Financial Crisis in 1997, Roy posted to Thailand and stayed in Southeast Asia as a partner on Deloitte's expanding East Asia financial services industry team (Singapore, Thailand, Malaysia, Indonesia, Hong Kong, Peoples Republic of China, and South Korea), focusing on credit risk management and customer relationship management. He organized and built the Deloitte Consulting start-up office in Bangkok, serving as the initial Deloitte Consulting country manager and building a multi-industry staff (telecommunications, manufacturing, health care, public sector, and financial services) to 60 by the time of his departure. Subsequent to Deloitte, Roy built and managed the special servicing businesses of two rated CMBS special servicers and served on the board of a U.S. company with principal operations in the U.K. and Europe, providing commercial and residential mortgage loan servicing and asset management to third-party clients. Roy served as a charter member of the board of the Commercial Mortgage Securities Association, developing standards for this emerging sector of the U.S. capital markets in the early 1990's, and has continued to work with the successor Commercial Real Estate Finance Council on capital markets reform initiatives following the financial crisis of 2007. Roy has a Master's in Business Administration from Stanford University's Graduate School of Business and a Bachelor of Science in Aerospace Engineering from the Georgia Institute of Technology.
Holly Springs, NC, US
The Credit Scoring Guru
Robert B. Stone AKA The Credit Scoring Guru has over 22 years experience working in and for some of the world's largest banks, financial institutions, credit reporting bureaus and credit scoring companies including HSBC, Citigroup, Bank of America, Fair Isaac and Experian (formerly MDS).
Alameda, CA, US
Victor P. Republicano, Jr., CPA, is an accounting and consulting practitioner, who has provided professional services to business owners, corporate management, lawyers and their clients, since 1977.
Lakeville, CT, US
Ezra Zask Advisors, LLC
Securities and finance including currencies, derivatives, hedge funds, expert witness and litigation support
Phoenix, AZ, US
34 year career and Chief Credit Officer for First Interstate Bank and have partipated as an expert witness or consultant in the banking industry for over 25 cases.
Teaneck, NJ, US
Campos & Stratis
Accountants, economists and valuation analysts with a practice dedicated to providing financial analysis and loss measurement services.
Monrovia, CA, US
Preferred Realty Partners LLC
Certified Mortgage Consultant; Certified Mortgage Technologist; National Ethics Bureau Member; CA DRE Broker with 20 years of financial services expertise spanning both coasts. Specializing in mortgage banking origination and operations;regulatory compliance and secondary marketing.
Northbrook, IL, US
ECS Financial Services, Inc.
When accounting, tax and business management services are tailored to your special needs -- your future takes flight. One of Chicagoland's most enterprising CPA firms, ECS Financial Services, Inc. helps clients plan ahead, move ahead and stay ahead.
Austin, TX, US
Ghiglieri & Company
EW #14023 is the former Texas Banking Commissioner, and is an expert in banking and bank regulation, with 25 years of bank regulatory experience.
Irvine, CA, US
MCS Associates
Expert Witness and Litigation Services are a major focus of MCS Associates, a nationally recognized consulting group that has provided management, operational and regulatory consulting services to financial institutions, insurance companies and regulatory agencies as well as real-estate and financial services organizations nationwide for over 30 years. We perform expert witness assignments throughout the United States and the firm's clients include several hundred leading law firms around the country.
Northbrook, IL, US
ECS Financial Services, Inc.
When accounting, tax and business management services are tailored to your special needs -- your future takes flight. One of Chicagoland's most enterprising CPA firms, ECS Financial Services, Inc. helps clients plan ahead, move ahead and stay ahead.
Associate Expert Witnesses:
Los Angeles, CA, US
Financial Education Network Development (FEND)
Expert Witness/Consultant in litigation and arbitration involving securities, life insurance and annuities. 311 arbitrations since 1990 before the NASD, FINRA, AAA, NYSE, JAMS, PSE and 75 mediations. He has qualified and has testified as a Securities Industry Expert Witness before both Federal and State Courts in CA.
West Palm Beach, FL, US
Michaelson & Co.
Legal proceedings involving breach of contract, civil damages, civil fraud, personal injury, etc. Provided accounting services for over 30 years throughout the country and internationally. He is a graduate of the University of Miami and a Certified Public Accountant in Florida and Tennessee.
Woodstock, NY, US
Securities Investigations, Inc.
EW #2720 has over 33 years securities industry experience. Suitability, due diligence and disclosure issues, selling away, fiduciary responsibilities, standard of care, fraud, partnerships, supervision and compliance and damage calculations.
Spanish Springs, NV, US
JRB Associates
30+ years bank executive experience, plus 13 years litigation support consulting for plaintiff and defense in over 500 cases. No geographic restrictions.
Lenexa, KS, US
Leader One Financial Corporation
Thorough understanding of all aspects of mortgage broker business with over 15 years of experience in mortgage brokering and banking. Past President of the National Association of Mortgage Brokers.
Austin, TX, US
Cynthia Shea Consulting
20 + years as senior official in banking and bank regulation. Expert on bank laws and standard industry practices.
Los Angeles, CA, US
Bay Sherman Craig & Goldstein
Many years of consulting in the publishing business include mergers and acquisitions, expert witness and litigation support services and valuations.
Tyler, TX, US
James E. Smith & Associates, Inc.
Offering a total package of services to Oil and Gas industry.
Bruce, WI, US
Dairy Strategies, LLC
Extensive experience consulting with agricultural producers and agribusinesses throught the US and worldwide.
Boca Raton, FL, US
Andrea Joyce Wagner And Coletta L. Dorado
40 years combined Securities Industry Experience, Litigation Consulting, Expert Witness Testimony, critical Initial Account Analysis,Comprehensive Damage Analysis; Fraud, Supervision...
Liberty Corner, NJ, US
Vx Associates provides expert witness and forensic services to law firms in banking-related matters. The firms principals are experienced former bankers, regulators and educators.
Larchmont, NY, US
CapMarket Consulting
Expert Witness Financial Service Litigations; NASD Arbitrations. Expert in Securities Trading & Pricing, Derivatives, Investment Management, Suitability, Controls, Hedging, Financial Risk Management
Minneapolis, MN, US
Walden Resources
EW #1336 is the author of more than 20 best-selling books on stocks and investing, and he specializes in broker-client relationships, securities, corporate financial analysis, and related investment issues.
Boston, MA, US
Kenneth D. Gartrell
EW #2754 provides consulting services and expert testimony on economic, financial, regulatory and strategic issues to corporations, law firms and public agencies worldwide.
Sacramento, CA, US
AB Real Estate & Business Services
Mr. Wenger has worked in banking and real estate finance since 1972. He has served clients in California, Oregon, Nevada, Utah, Arizona, Colorado, Kansas, Nebraska and Hawaii. During his career, Mr. Wenger has been responsible for originating and servicing agricultural loans and managing over 100,000 acres of deeded agricultural property for an insurance company, managing a $450 Million special asset portfolio for a specialized lender, has been appointed trustee in several Chapter 11 bankruptcy cases and managed special assets and loan operations at three community banks, ultimately becoming credit administrator. Mr. Wenger is a licensed California real estate broker and has provided expert witness services in the areas of banking, real estate finance and agriculture for the past 10 years and has instructed home buyer education classes for the past 7 years. Areas of Expertise Business & Agricultural Loans, Lines of Credit and Real Estate Loans Business Banking Relationships Business Credit Analysis Loan Documentation Business Enterprise Economic Analysis Loan & Real Estate Due Diligence Real Estate Purchase & Sale Transactions Loan Foreclosures Problem Loan Management Real Estate Management Education A. A., Northeastern Jr. College, Sterling, CO B. S., Colorado State University, Ft. Collins, CO Additional Coursework Housing Counseling Certification, NeighborWorks America Contractor License Series, Allied Business Schools 7-Course Real Estate Broker Series, University Programs Mgmt. Training Series, John Hancock Life Ins. Co. Colorado School of Banking, University of Colorado Chapter 11 Trustee, U.S. Trustee Arbitrator Training, American Arbitration Association Toxic and Hazardous Substance, DBS&R Graduate Commercial Lending Course, American Bankers Assn. Licenses & Certification California Real Estate Broker since 1992 HUD Certified Housing Counselor since 2006 Membership Turnaround Management Association
Bainbridge Island, WA, US
Internationally recognized compensation expert. Leading author, speaker, instructor, consultant
Lake Forest, CA, US
Goodman & Associates
34+ years experience in equipment leasing both as consultant and in senior management positions. Expert in financial services marketing, lease portfolio management and residual valuation.
Alexandria, VA, US
Alexandria Financial Associates, Ltd.
Nationally recognized Certified Financial Planner
Charlotte, NC, US
Jack A. Heil CPA
Expertise in financial issues, including: Personal Injury, Wrongful Death, Wrongful Termination, Structured Settlement and Business Interruption / Asset Loss Evaluation.
Chicacgo, ILLINOIS, US
Chicago Group Trading LLC
EW #2718 is a global expert in derivatives exchanges, including their associated technology. This includes cases involving securities activities, securities fraud, broker and trade litigation.
Dallas, TX, US
20+ years experience as bank officer in lending, operations, finance, investments, and executive positions. 15 years as consultant and expert witness in federal, state, and bankruptcy courts.
Alexandria, VA, US
QSI Consulting, Inc.
Litigation and regulatory support for telecommunications. QSI's industry experts include: economists, financial modelers, engineers, CPAs, and marketing and product development experts.
Scarsdale, NY, US
20 years experience in personal injury/wrongful death, antitrust and other commerical litigation including damages for breach of contract and valuation .
Chicago, IL, US
Ahern Consulting / Rush University Medical Center
38 hours testifying under oath, Asst Professor at a Medical Center, Consultant, 19 years in healthcare finance.
Bedford, TX, US
Securities, Futures, Derivatives Expert Witnesses. 20+ yrs as consultants in investment and trading litigation. Broker/customer disputes-stocks and bonds, options, commodity futures, currency trading.
New York, NY, US
Cypress Associates
Cypress provides litigation consulting and expert testimony on complex litigation involving securities, transactional, valuation and other investment banking related issues.
Dallas, TX, US
Alex Sheshunoff Management Services
EW 1041 provides expert witness and consulting services to attorneys and financial institutions.
Los Gatos, CA, US
Advativ Inc.
Experienced expert witness for litigation on marketing, business methods, financial analysis, regulatory compliance, public policy, internet and communications engineering and technology
Milwaukee, WI, US
W. McGinnis Advisors, LLC
EW #13672 has 20+ years as a securities analyst / portfolio manager and a background in investment banking and accounting. Cases: investment suitability, stock fraud, research fraud, etc.
San Francisco, CA, US
Bentel Associates
30+ years specializing in both domestic and international credit throughout his banking career.
San Rafael, CA, US
The Muldavin Company, Inc.
These consultants have completed over 400 assignments for many of the world's most successful real estate companies and law firms.
Austin, TEXAS, US
Larry Bradford, CPA
Certified and has over 25 years experience in litigation involving business valuations, economic damages, asset tracings, breach of fiduciary duty in a wide variety of industries.
Hayward, CA, US
Bridgeway Corporation
They are experts in all facets of investor/broker relations with additional expertise in compliance, Asset Protection and securities arbitration.
Port Alberni, BC, CA
Optimal Investment Services
I have led the implementation of International Accounting Standards since 1999 on behalf of USAID and the Asian Development Bank
Haddonfield, NJ, US
Hempstead & Co. Inc.
Valuations of businesses, corporate securities and intangibles. Loss-of-business damages analysis. Established 1977. Staff designations include ASA, CFA, CPA and MBA.
Princeton Junction, NJ, US
Securities Arbitration Support Group
Expert preparation of work product and exhibit ready documents, such as trading P & L, churning analysis, matched trade analysis. Flat fee or hourly rate plus reimbursable expenses
New York, NY, US
Steve Pomerantz LLC
The firm provides economic and investment management consulting, economic damage assessment and litigation support on cases involving: investment management fees and practices; tax shelters; securities and investment-related damages; investment performance and suitability; event studies; asset allocation analysis and options; derivatives and swap valuation.
Henley-on-thames, OX, US
International Financial Reporting
EW #611 advises companies, accounting firms, investment banks, stock exchanges, government agencies and standard setting bodies on IASs and other international financial reporting issues.
Irvine, CA, US
FMV Opinions, Inc.
FMV is a business & real estate valuation firm dedicated to provide high quality valuation services.
Auborn Hills, MI, US
Technology Investment
The company originates new lease transactions, performs remarketing services, buys and sells equipme
Corona Del Mar, CA, US
Toronto, ONTARIO, CA
Rosen And Associates LLP
Expertise in business valuation, quantification of damages, accountants negligence, and financial modelling. Insurance experience while working two years for KPMG, Bermuda.
London, UK, GB
Punter Southall & Co
Actuary specialising in acting as expert witness in cases involving employee benefits, pensions disputes, investment matters, employment losses and other pensions matters in both UK, US and overseas
Toronto, ONTARIO, CA
Rosen And Associates LLP
Expertise in business valuation, quantification of damages, accountants negligence, and financial modelling. Insurance experience while working two years for KPMG, Bermuda.
Fort Worth, TX, US
S.I.C. Consulting, Inc.
We specialize in the Security Alarm and Systems Integration industry. We provide due diligence, litigation support, expert testimony, and business and divorce valuations.
Philadelphia, PA, US
The Center For Forensic Economic Studies
EW #13848 is a firm of economists and statisticians specializing in economic analysis in litigation.
El Segundo, CA, US
Rickard & Associates, Inc.
real estate banking credit finance
Westcliffe, CO, US
Invest Securities Consulting, Inc.
Mr. Schulz is a securities consultant and expert witness working for both claimants and the brokerage industry. He has testified regularly as an expert in federal and state courts, as well as in arbitrations before the National Association of Securities Dealers (NASD/FINRA), the New York Stock Exchange (NYSE), and the American Arbitration Association (AAA).
Roslyn Heights, NY, US
Roundhill Hospitality LLC
EW #13856 is an experienced hospitality industry consultant. A certified arbitrator and mediator and Associate Member of the ABA, he has extensive hospitality industry litigation support experience.
Southport, NC, US
Performance Leadership
With over 25 years at Merrill Lynch as an FA, branch office & district manager, & FVP of the Office of Investment Performance, his expertise, credibility, and knowledge is second to none.
Milwaukee, WI, US
Sequence Inc. Forensic Accounting
A nationally-recognized expert on fraud. Combines forensic accounting expertise and proven investigative techniques to quantify losses.
Nationwide, , US
We'll find you the best expert and the search is FREE OF COST. We're a seasoned expert services firm that delivers superior experts through custom search, with unrivaled accuracy.
Winter Park, FL, US
Statement Analysis
With over 30 years of industry experience, our company provides consultation focused on the assessment of in-depth profit & loss statements and expert witness services.
Houston, TX, US
Burton Financial Services
35 years experience in investment banking, corporate finance, public offerings, securities, mergers and acquisitions. 21 years with Goldman Sachs and available nationally for expert witness or litigation consultancy.
Northfield, IL, US
CHAPIN Associates Ltd.
Financial Analytics, Valuations and Expert Testimony -- over 25 years experience. He has been responsible for over 900 engangements in 40 cities, testifying over 50 times.
Pasadena, CA, US
Mercy Steenwyk, Director
Your technical and scientific expert resource since 1991 that can give you the TECHNICAL ADVANTAGE and the COMPETITIVE EDGE in your cases. Highly quality experts in hundreds of disciplines. Thousands of satisfied clients. Competitive rates.
Altamonte Springs, FL, US
Board Certified Emergency Medicine, MD, JD. Full time hospital Attending Physician and professor. Medical record review, case analysis and strategy, testimony, for attorneys and insurance companies.
Santa Ana, CA, US
Glenn M. Gelman & Associates
Glenn M Gelman provides professional services such as accounting; auditing; tax; management consulting services.
Beaumont, TEXAS, US
Third Coast Bank, SSB
Joel N. Foxworth is an expert banking professional with 13 years experience. He has worked in most every position in banking beginning as a teller, to now working as a senior vice president in commercial lending. He has continuously been among the top producing bankers in the country throughout his banking career winning multitudes of awards year after year.
Highland Park, TEXAS, US
born and raised in Waco, Texas graduate of Baylor University with majors in Economics and Finance Married 49 years
Armonk, NY, US
He has over 30 years of experience in performing business valuations, forensic investigations, fraud audits, lost profits, audits, financial consulting, expert testimony and arbitration, as well as advising family-owned businesses.
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Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:
The study of money and other assets The management and control of those assets Profiling and managing project risks As a verb, "to finance" is to provide funds for business.


text: I've decided to end this goal, not because I give up but because I have come to see this goal as a life-long journey, not a box that can be ticked. Having this goal written down for so long has served as a reminder to consider the habits, patterns and behaviours that I am forming in my life and to question their place, value and consequences. I still struggle but I have faith. 2 years ago


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Claire (Susan Lucci) runs a mail-order fashion empire, French Silk, which resembles the Victoria's Secret lingerie boutique chain. French Silk's prurient catalog has aroused the ire of anti-smut firebrand Rev. Jackson Bird (Michael Bergeron). When Bird is discovered murdered in his Big Easy
hotel room, suspicion naturally falls on Claire, whos...
Television movie about the murder of a televangelist, and the fashion company owner accused of the crime.
more French Silk videos
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General Moly Announces Continued Permitting Progress For The Mt. Hope Project
General Moly, Inc. (the "Company") (NYSE MKT: GMO) (TSX: GMO), a U.S.-based molybdenum mineral development, exploration and mining company, provided an update to the Mt. Hope Project's permitting progress.
With regards to the Federal Environmental Impact Statement process, the U.S. Bureau of Land Management has received comments from cooperating agencies on the Preliminary Final Environmental Impact Statement for the Mt. Hope Project and is working to finalize the Environmental Impact Statement and process the Notice of Availability for publication in the Federal Register. In addition, the State of Nevada Division of Environmental Protection (NDEP) published Notices of Proposed Action stating their tentative decision to issue a Water Pollution Control Permit and a Reclamation Permit for the Mt. Hope Project. Also, General Moly received a Federal Explosives Permit from the U.S. Bureau of Alcohol, Tobacco, Firearms and Explosives.
Bruce D. Hansen, Chief Executive Officer of General Moly, said: "We are continuing to move the permitting process for our Mt. Hope Project forward. The Company is pleased that the 30-day public review and comment period for the Water Pollution Control and Reclamation Permits has been initiated and look forward to NDEP expeditiously issuing these permits after reviewing and addressing any germane comments. We continue to expect receipt of a favorable Record of Decision as well as completion of the remaining major Nevada State permits by the end of 2012, and to commence construction shortly thereafter."
The Water Pollution Control Permit is issued by NDEP on the basis of a site-specific permit application which must demonstrate that the proposed facility will meet Nevada regulations regarding design criteria for containment of process fluids. The permit will also approve the operational and closure plans for the Mt. Hope Mine, and establish monitoring requirements.The Reclamation Permit issued by NDEP will authorize surface disturbance and construction of facilities. The permit will be issued on the basis of a site specific application detailing the reclamation methods to be used to return the land to safe and stable conditions and a productive post-mining land use. The Reclamation Permit will also approve the reclamation cost estimate and establish bonding requirements based on this estimate.
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- You are here:
- dodge dart registry
dodge dart registry
What's not to love about crowdsourcing? This idea, after all, has given us Kickstarter as well Local Motors, but automakers are starting to use the social platform to sell more cars (or just drum up a little PR). Both Dodge and Hyundai have used "crowd-funding" recently, and while Automotive News ...
To be honest, we're surprised something like this didn't pop up sooner. Chrysler is riffing on gift registries for couples getting married or expecting babies and cross-pollinating it with a social media funding website like Kickstarter to help customers buy its 2013 Dodge Dart. The Dodge Dart ...


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What impact will the deployment of 30,000 additional U.S. troops have on Afghanistan? Is military force effective on its own as a means of counterinsurgency? What about alternatives to the announced strategy, such as immediate withdrawal of U.S. troops from Afghanistan or continuing with current troop deployments? Vanda Felbab-Brown, author of the just published book Shooting Up, answers these and other questions about President Obama's Afghanistan strategy in a piece on the Brookings website.
Commenting on the differences between the strategies pursued by Presidents Bush and Obama, Felbab-Brown observes: "Under President Bush, the strategy remained . . . economy of force. The military effort, as well as the development effort, was never sufficiently resourced to allow for a sustainable momentum to develop on the side of the Afghan government and NATO. President Obama's commitment of additional multifaceted resources provides an opportunity—though far from a guaranteed outcome—that such a strategic reversal will be achieved. Also, under President Obama's strategy, there is, for the first time, a clear emphasis on the quality of governance and a sense that Afghan leaders need to be held accountable to the Afghan people and their international partners. There are no more blank checks. Finally, there is now a far stronger emphasis on the regional aspects of the Afghanistan-Pakistan strategy and the need to involve all of the important stakeholders in the region and worldwide."


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Learning Spaces and 21st Century Skills January 22, 2013Posted by keithsawyer in Education, Uncategorized.
Tags: architecture, creativity, jeanne narum, learning spaces collaboratory, srg, traditional classrooms
Take a look at this fascinating graphic (click on the link, it's a pdf):
A Fabric of Learning in Spaces 2013
(developed by the architecture firm SRG and Jeanne Narum of the Learning Spaces Collaboratory)
At the left, you'll see a list of 21st century skills, including Adaptability, Collaboration, and Innovation.
At the top, you'll see a list of various types of physical spaces that are found on college campuses.
The content of the graphic shows to what extent each skill is fostered in each type of space. There is so much rich information here, but the first thing to notice is that "Traditional Classrooms" do the least to foster these skills. And "Tiered Classrooms" (like you find in a business school) aren't much better.
So what do you think the college campus of the future should look like? What will we do with all of those lecture halls? After all, if this graphic is correct, then why wouldn't we "flip" all classrooms and have all lectures videotaped and delivered over the Internet?
(Also check out my previous posts "The Future of College" and "Will the Internet transform college?")
- 1. Ruben van der Laan (@rubenvanderlaan) - January 23, 2013
Fascinating graph, very insightful. It definitely shows something I already felt since a long time: physical spaces do affect the way we function and collaborate. Thanks for sharing!
- 2. Jeff F - January 23, 2013
Is there a link to pictures of what these different types of spaces look like by any chance?
- 3. Kathy Dee - January 23, 2013
I love it…thanks for sharing
- 4. A Hernandez - January 23, 2013
Is there data that supports these conclusions? It also seems that there are lots of types of labs listed that are distinguished by the activities that occur in them as opposed to the physical features of the lab. For example, what is the difference between a Discovery Lab, Reaserch Lab, and Testing Lab? Lastly, why no measures along the lines of "mastery of material" or "quality of research results"?