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Aronian wins 20th and last Amber
Levon Aronian won the 20th and last Amber Blindfold and Rapid Tournament. In the blindfold session of the last round, he drew against Sergey Karjakin while his main rival Magnus Carlsen lost to Boris Gelfand. This decided everything: Aronian also became the winner of the Blindfold tournament and Carlsen finished first in the Rapid.
General info
The 20th Amber Blindfold and Rapid Tournament took place at the Monte-Carlo Bay Hotel & Resort in Monaco, from March 11 to 25, 2011. The tournament was organized by the Association Max Euwe of chess maecenas Joop van Oosterom, which is based in Monaco. This 20th Amber tournament was the final edition of an event unparalleled in the history of chess. The total prize-fund was € 227,000. The rate of play was 25 minutes per game per player. With every move made in the blindfold games 20 seconds were added to the clock, with every move made in the rapid games 10 seconds were added. Full schedule here.
|Thursday, March 24, Round 11
|Ivanchuk ½-½ Topalov
|Gashimov ½-½ Grischuk
|Giri 0-1 Anand
|Carlsen 0-1 Gelfand
|Nakamura 0-1 Kramnik
|Aronian ½-½ Karjakin
|Topalov 1-0 Ivanchuk
|Grischuk ½-½ Gashimov
|Anand 1-0 Giri
|Gelfand 0-1 Carlsen
|Kramnik 0-1 Nakamura
|Karjakin ½-½ Aronian
Aronian claims third Amber victory in farewell edition
Round 11 report courtesy of the official website
Levon Aronian is the winner of the twentieth and final Amber Blindfold and Rapid Tournament. Following his earlier wins in 2008 and 2009 this is the third time the Armenian grandmaster claimed first prize. Aronian also won the blindfold competition. The rapid competition was won by Magnus Carlsen. The € 1,000 Game of the Day Prize was awarded to Boris Gelfand for his rapid win over Magnus Carlsen, which ended the Norwegian's chances to fight for first place in the overall standings.
The blindfold game between Vasily Ivanchuk and Veselin Topalov was a long up-and-down affair. In the opening Ivanchuk was at his creative best and outplayed his opponent to reach a winning position. But in the next phase he just as easily squandered his advantage and even ended up in a worse position. Now he had to suffer and it was only after a 97 moves that the suffering was over and he had saved the draw.
Topalov won the rapid game. Ivanchuk needed too much attention to defend his advanced pawn on c4, which gave the Bulgarian the opportunity to organize a kingside attack. When Ivanchuk allowed 39.Nxh5+ the game was soon over.
With 140 moves, the blindfold game between Vugar Gashimov and Alexander Grischuk was easily the longest of the entire tournament. It was a see-saw battle in which first Grischuk had the better chances and then Gashimov. For instance, the Azeri grandmaster could have decided the game easily with 47.Rf3. The game remained a comedy of errors and ultimately went into an endgame of rook and knight (Grischuk) versus rook on move 90. Grischuk tried for 50 moves and then the 50-moves rule finally out an end to the game.
In the blindfold game they tried to break the record of the longest game and were well on their way, when the tournament director, having consulted with the chief arbiter, stepped in. Because the evening program was seriously threatened he asked the players to continue in a separate room, so that the final session of the rapid competition could start as soon as possible in the playing room. Once Grischuk and Gashimov had moved there they made 10 more moves and after 139 moves the game was drawn
Anish Giri repeated an opening in his blindfold game against Vishy Anand that his second Loek van Wely had played against the same Anand in the 2006 Amber tournament! White deviated with 10.cxd4, where Van Wely had gone 10.Qxd4, and introduced his new idea one move later, 11.Kf1. An interesting battle developed in which White had space, but an awkward king (could he put it on h1, he would be fine) and Black wanted to develop counterplay on the queenside with …Rb8, …b5 etc. as soon as possible. Giri went astray with 20.Qc4 after which both players agreed he was essentially lost. White's position quickly fell apart and after 27 moves, about to lose a rook, Giri resigned.
Anand also won the rapid game. The line he played against the Petroff he didn't think to be very impressive, 'but you have to play something'. Giri's 17…b6 was clear mistake (the correct move was 17…Rc8) for exactly what happened in the game. White won the pawn on b6 and when Black missed his last chance to get substantial counterplay with 23…Rc8 (he exchanged rooks on a7) the young Dutchman was fighting a hopeless battle.
The blindfold game between Hikaru Nakamura and Vladimir Kramnik ended in a convincing win for the Russian former world champion. Nakamura's opening was 'not great' in Kramnik's words and White's 7.h4 and 9.g4 were rather weakening than strengthening his position. The American drifted into an unpleasant ending that gradually got worse and worse. The decisive mistake was 26.Ne3 which allowed Black to strike with a simple but effective tactic. The win finally lifted Kramnik from the hated last place.
Thanks to a win in the rapid game Nakamura could end the tournament on a positive note. In a King's Indian he managed to stage a devastating onslaught on the white king and cashed the point after 45 moves.
With a draw in his blindfold game against Sergey Karjakin, tournament leader Levon Aronian decided the fight for first place in his favour, as his last remaining rival, Magnus Carlsen lost his blindfold game to Boris Gelfand. After the opening Aronian was optimistic: 'I thought it was all in my hands. I didn't need Boris.' After 26.Nc4 he felt he was close to winning, but he didn't find the correct follow-up. In the endgame his advantage vanished, but soon he found out that the draw he reached was enough to clinch tournament victory.
Aronian felt that he also had had good winning chances in the rapid game, but again he had to settle for a draw. Obviously, he didn't care too much, as tournament victory was already his.
Magnus Carlsen knew he had to win his blindfold game against Boris Gelfand to keep the pressure on Levon Aronian. Right from the first moves he made no secret of his intentions. White's 8.Ncb5 was a speculative attempt, involving lots of tactics, but as the game developed it became clear that they worked for Black. After 14…Re4! Gelfand was already better and his advantage became decisive when Carlsen missed 22.Qd3 when it would still have been a game. The last fifteen moves or so the Norwegian would normally have spared himself, but given the tournament situation it was understandable that he drained the cup to the bottom.
In the rapid game Carlsen went for a Benkö Gambit. Gelfand surprised him with 11.f4, which the Norwegian had not seen before, but nevertheless Black got a fine game. Carlsen believed that White should not have sacrificed the exchange with 20.Rxe7 and instead should have played 20…Rad1. Now Black got great play and Carlsen felt that once he had this advantage there was little his opponent could have done to avoid his loss. With this win Carlsen increased his rapid score to 9½ from 11, the highest in Amber history.
Round 11 games
Game viewer by ChessTempo
Amber Tournament 2011 | Blindfold | Final Standings
Amber Tournament 2011 | Rapid | Final Standings
Amber Tournament 2011 | Combined | Final Standings
- Official website
- Live games
- Games in PGN: Blindfold | Rapid via TWIC
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What it has to do with "anti-Carlsen fans" ? We just want some common sense here. I guess I was not the only one who felt sick from Magnus fans. Ok, fan is a fan, but one must show some respect for chess as well.
In chess you have to put chess in top of everything, not Magnus Carlsen, but chess, even if you are a Magnus fan.
Besides, I don't think great players such as Anand, Aronian, Magnus deserve such kind of bold and cheap support.
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Anand is the undisputed World Champion chosen the time-honored traditional way. Until he loses it that way, he is the undisputed World Chess Champion. End of discussion.
Don't less your personal loyalties and cult following detract from objective facts.
All this is different from the fact that both Aronian and Carlsen are nearly in Anand's league in tournaments are are capable of doing slightly better than him under favourable circumstances (luck). Both of their genius abilities in Chess (world champion caliber) cannot be disputed by any person truly knowledgeable of chess.
These are facts and are in no fact contradictory of each other and show be self-evident,
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Right now I'm ill so maybe I didn't understood well, but: did you read my comment?
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Maybe I understood now:
-Alekhine was better than Capablanca
-Lasker was better than Rubinstein
-Spassky (for a while) was better than Fischer.
-Kasparov wasn't WCC in the time-honored traditional way since '93. So, he wasn't the World Best Player.
Did you try to say that?
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3 years 9 months ago
Until Carlsen wins a World Championship, he cannot lay claim to being the best player. PERIOD.
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Absolutely true.
World Champion = World Best Player.
But does not guarantee winning each and every major tournament or even one, with the kind of competition, luck involved, and great players like Aronian, Magnus, and Kramnik involved, amongst others (Chucky, Grischuk etc!)
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I still wonder why it is so important that Euwe must be declared as the best player in the world in 1936 or Kramnik as the best player in the world 2001-05 just because they won an invitational event against one (!) opponent.
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"World Champion = World Best Player"
Absolutely not true.
World Champion is a person who wins a match/game/race/series/whatever called "World Championships"! Period.
And such a person is World champion until the next World Championship NO MATTER what happens inbetween. It's like that in EVERY sport.
The "title" of Worlds best players doesn't have any time constraints. You can be worlds best today, but tomorrow it is someone else, and the day after that another one.
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There is no such thing as "Worlds best player", that type of concept exists only in someone's head. You can think that Magnus is the World best player, I can think that Aronian or Anand is the world best player, you may even think that your neighbour is the Worlds best player, because neighbour highly amazed you with his playing skills. All this talk is extremely pathetic ... there is a clear distinction between subjective and objective!
Objectively speaking, we can say who is the worlds best player ... that is Anand, and he will remain so until some other guy will not defeat him in an event, that was invented just for that "best player of the World" purpose, as Objective as it could possibly be.
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3 years 9 months ago
All this talk... Thumbs up if you think Gashimov is the best player in the world!
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3 years 9 months ago
If we are just spouting Titles lets not forget 960 World Champion.
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Levon is the World Blitz Champion and has a record amount of elite titles and world titles to claim, namely:
FIDE World Cup 2005
Linares 2006
Tal Memorial 2006
Corus 2007 and 2008
Grand Slam, Bilbao 2009
World Rapid Championship 2009
FIDE Grand Prix 2009-10
Gold medals, Olympiad 2006, 2008
Silver medal, Olympiad (individual) 2010
Tal Memorial 2010
Amber Melody! Nobody could solely win that many in the short period of time! 3 times! Three sole wins: Amber Melody 2008, 2009, 2011.
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Levon Aronian's record is awsome.
He also has the best record against the Word Champion.
He appears to be the most dangerous challenge to Anand if he wins the Candidates and qualifies as the challenger in 2012.
I somehow feel that Anand will win the 2012 World Championship even if Aronian qualifies. But Aronian's ability and his humility makes him the most dangerous threat for Anand over the next 5 years. I don't feel the same way against Magnus, YET.
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D. M. Modak(India)
3 years 9 months ago
Congrats Aronian! Not surprising he holds No. 3 in Rating but more importantly is within 'hitting' range easily to become No. 1 when he plays next. Our own Anand and Carlsen are now neck and neck.
2) But the only thing which is worrying me is whether FIDE will bow down to Carlsen's pressure of boycotting the World Championship Cycle(unless it is changed to round robin ty. with the current World Champion included) and due to 'political' pressure(in the FIDE elections) revert to ROUND-ROBIN TY. again!
3) Carlsen's ty. record has certainly to be noted and his play in the RAPID section - one loss and one draw only - shows his immense chess strength.
4) I am ALL for Carlsen but only when he says the reigning Champion must also play the contest but it should be in the form of matches ONLY e.g. 1 vs 8, 2 vs 7 etc.
5) Let us all hope that at no point in future we have round robin tys. to determine either the World Champion or his Challenger!
6) Of course all this has hardly anything to do with Amber 2011 results but I have given it a thought on account of Carlsen's fine showing i.e. second place.
Lastly let us all remain in van Oosteroom's debt for sponsoring the Amber ty. for 20 long years!
26th March 2011. 6.48 a.m.
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I remember, when Carlsen withdraw from the Gran Prix, I didn't agree.
However, after the Gran Prix and all kind of unlogical things which happen around it... I think he was fine.
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I wonder why you hope that there in no point if the future will be a candidates tournament of the sort that was won by Tal, Petrosian, etc. Is there some special reason that you find the current format with four game knockouts so much better?
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Yes, no one had a problem with the old format about the eventual champion.
So, why not revive it? Is it a question of sponsorship? Let us hope that is solved and we have a legitimate process in which even Magnus has no objection and the challenger challenges the reigning World Champion, just like in the old times, for chess sakes. No more politics, no more controversy.
Chess for chess's sake.
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I once proposed a world championship cycle that would be:
a) open for everybody - theoretically even a patzer like me should have a chance to fight for the title
b) fair to world champion and all other players
c) simple, with as few events as possible, but long enough to separate best from the rest
d) financially sustainable
In my opinion the 3 year cycle should consist of the following stages:
This are zonal and continental competitions, same as they are run presently. Elite players normally don't take part in those.
Qualifiers from 1. should be joined by (let's say) top 30 or 40 from the rating list and they would contest a 13 round swiss tournament. Such big swiss events were held in the 1990-93 cycle and in the subsequent FIDE and PCA cycles. 13 rounds is enough to separate best players from the rest.
First 9 form the swiss tournament would be joined by the reigning World Champion and they would contest a double round robin.
First two from the round-robin would play a (lets say) 12 games match for the title of World Champion. In case of a tie, the round-robin winner is proclaimed as the World Champion.
I think this system satisfies all points a), b), c) and d) above and there are only three main events that need to be organized in three years. Thats managable - even for FIDE :)
P:S.: Yes I find seeding the champion straight into the final as a little bit too much of a privilegie. Seeding him among the best 9 is enough and more fair to all other competitors.
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Well, what's the fun with only stating objective facts? Then all discussions would be like: "Anand's knight was moved to g5 on the 27th move", "A game of chess was finished after 55 moves" and so on. Just stating who the World Champion is will still be controversial in several cases. Some people follow the top events and discuss who the best player is, others prefer to repeat that it already has been proved that Kramnik was the best player in the world 2000-07 because he was the (or one?) World Champion, that Anand is the best player in the world 2007-12 or 2007-15. For some reason it is very important that it has to be like that but I never really understand why so I'll just leave the subject before it gets even more boring.
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People don't feel the clear distinction between objective and subjective.
Subjective is something, that you can't firmly prove, but you just "think so". It relates to your inner perception of reality, but it is not the reality!
Objective is something, that is actually a thing, something that is real.
For example, Levon Aronian won Amber tournament, it is not subjective, it is objective, because that is what happened in reality.
Another example, Vishy Anand is the World Chess Champion, again, not a subjective information, it has nothing to do with my or your way of thinking, it is just so, because there was a real event.
Now example of subjective information:
Vishy Anand is not the greatest player of the world.
Magnus Carlsen is the best player of the world.
this already not objective, but subjective, you can say for example: my dad is the chess genius, the greatest player the world has ever seen, he just do not participate in public events, he reveals his secret genius only to few people, you just don't know about him, but he is the greatest! - subjective information.
Try being more objective, than subjective.
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Try to shif this whole conversation from subjective to objective field. That will be really great.
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3 years 9 months ago
It´s hard to be objective when there is so much fanaticism in the world.
Besides, people don´t like to be objective, they rather start heated debates about subjective matters and to try and make their point heard by yelling louder than the rest.
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This Gadget Eats Your Leftovers to Feed Your Plants, Everybody Wins
September 28th, 2012
Humans are wasteful. We throw away so much food without a thought as to others who are not so fortunate. Well, I don't have an answer for feeding the world, but this concept gadget wants to take your waste and feed plants with it instead.
Designed by Fanny Nilsson, the Re-FEED device takes your leftovers and it turns them into plant food by liquefying them. It pumps this goo directly into your flowerpots and it is all done from your countertop. Not bad. Just drop in your scraps and a blade chops up the mix and it is left to compost. Just add water and you have plant food.
Your plants will be very happy and healthy with this device around. Not sure if I would enjoy compost smell on my counter, but I love the idea here. The Re-Feed's plastic casing has been treated with an odor absorbing compound for the smell, but who knows how well it would work. Hopefully this will make it into production so that plants can eat our garbage, even indoors.
[via FastCoDesign via Dvice]
MORE:Design | Future Tech | compost | concept | eco-conscious | food | green | plant | waste

subset: commoncrawl


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Endocrine Disruptors
Endocrine disruptors are chemicals that interfere with our endocrine system, the hormones that control development & growth and the way our bodies function on a daily basis. Exposure can lead to reproductive disorders, weakened immune systems, reduced intelligence, increased aggression, and can have devastating effects during pregnancy and on young children. Unfortunately, these chemicals are found in household products, toys, plastic food and beverage containers, herbicides & insecticides, and even in many of the foods we eat.
Also see:
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Food & Health – Research citations
References [updated December 2014] [Citations that include a filename (ending in .pdf) indicate that we have the PDF of that study – contact Peter Crownfield for more information] Altieri, M. "Enhanced Pest Management Through Soil Health: Toward a Belowground Habitat Management … more
Envision LV – Public Health
Use the comments feature on this page to add your thoughts on why Envision LV should include public health in its plan for a sustainable Lehigh Valley. Envision LV does not have a draft report on Public Health, although other … more
Commit to Leadership in Sustainability
The benefits of making a clear commitment can be dramatic, especially over the long term. When students, faculty, staff, and alumni know that the college or university is making a broad and comprehensive commitment to sustainability, they are more likely … more
Endowment Investments with High Return & Ultra-Low Risk
This is another no-brainer. Recently, colleges and universities have been earning an average 6–8% return on their endowment funds. Most facilities projects to reduce energy & greenhouse gas emissions [GHG] have a 5–7 year payback — a 14%–20% return—which means … more
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"Food matters" is probably the understatement of the year. Some of us are vegan, and some are carnivorous; some strive for a traditional, nutrient dense diet, and others follow a macrobiotic regime. But I think we all want food that … more
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By Sapna E. Thottathil* [This article was originally published in Greenhealth Magazine.] As the health care sector steps forward in support of healthy and sustainable food systems, two critical considerations are the health and safety of the workers producing our foods. … more
Exposure to Toxic & Endocrine Disruptor Chemicals
In 2007, more than 200 biologists, toxicologists, epidemiologists, nutrition researchers, and pediatricians from around the world met at Torshavn, Denmark for the International Conference on Fetal Programming and Developmental Toxicity. The conference was organized jointly with, and sponsored by, BCPT (the … more
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And so do I. Check out Todd Oldham's blog; he's got a lot to say about Charley Harper and fabulous Cincinnati. Cincinnati thinks it's "east," but I think it's just a smidge mid.
Monday, September 24, 2007
Todd Oldham hearts Charley Harper...
Posted by Mrs. Blandings at 11:15 PM
Labels: Charley Harper, Cincinnati, Todd Oldham
2 comments:
- Fairfax said...
not east. wrong side of the mountains.
- September 26, 2007 at 5:22 PM
- Mrs. Blandings said...
Fairfax - agreed.
- September 26, 2007 at 6:44 PM
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Map of the
Adam Spach Rock House
At their annual meeting in 1917, H. W. Foltz proposed that the Wachovia Historical Society restore the Adam Spach Rock House in northern Davidson County. Adam Spach was one of the first settlers to settle outside the original Wachovia tract. Foltz, one of his descendants, started a fund dedicated to its restoration and was able to purchase part of the original land grant. Later donations led to the acquisition of more land and provided funds for maintenance and development.
Despite the Society's concerted efforts, we have been unable to establish an environmental and historical park on this property in Davidson County. In 1940, the Society transferred its holdings to the North Carolina Historical Restoration program for this purpose. World War II, however, dashed our hopes and the tract was returned to us in 1955. New impetus came from the 1975 annual meeting which was devoted to discussion and planning for the future of the area.
Since 1990 we have been seeking appropriate easements so that the land can be transferred to Davidson County, which in 1993 signified willingness to accept the property. Our Properties Committee, chaired by Arthur Spaugh, has devoted many hours to the project and remains optimistic that this goal will soon be achieved. We have recently granted a sewer easement to Davidson County in relation to construction of the new Friedberg School. While the sewer was being laid, the Society in fulfillment of its stewardship of the tract arranged archaeological monitoring by Wake Forest University, A few shards and fragments were unearthed, none of historical importance.
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By: Will Peters
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Join ATK Archives
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Now sober, married, a homeowner, things are better but not easy, living on disability and dealing with the physical and emotional complications of having HIV. What's surprising about this drive is that there is a large chain drugstore in Heins's town. They stopped carrying his medications, a decision he was informed of carelessly in line in front of his small-town neighbors.
It might seem counterintuitive but Heins is more comfortable making the long drive to a "mom-and-pop" pharmacy where the owners are friendly and give him a heads-up if he's running out of refills. He feels such places want the business and so they bother to educate themselves.
"It's surprising who can treat this with dignity and clarity," he says. "Some people you think can't, can, and some people you think can, don't. It's an amazing thing. You never know where stigma is or comes from."
And that – understanding stigma as an attribute that conveys a devalued social identity – is the driving force behind the work of psychology professors Sondra Solomon and Carol Miller, who were recently awarded a $3.2 million five-year continuation grant from the National Institute of Mental Health for their research on coping strategies, sexual risk, and HIV stigma in rural communities.
Even in Kansas (or Killington)
The original $1.5 million grant application was initially denied on the grounds that it would be impossible to recruit enough participants with HIV/AIDS in a rural state like Vermont. The team quickly signed up half of the 200 people in that study and easily got funding. The next phase will follow 250 subjects over a period of years.
"The thinking is that we don't have a big problem up here and we do," says Solomon. "People view HIV as an illness that happens only in big cities."
The official numbers for the state as of 2007, which captures only those who tested positive after 2000, are 217 people living with HIV and 234 living with AIDS. Those tested prior to the legislative reporting requirement, those tested in other states before moving to Vermont, and those who are positive but have never been tested, raise the number, Solomon estimates, closer to 800 at a minimum.
What interests Miller, Solomon, and their team is how these people cope and the impact their particular coping style has on their perception of stigma and on potentially risky sexual behavior. They do know stigma exists. A little less than half of the people surveyed indicated that something stigmatizing happened to them every day; on average, survey participants said they experienced stigma three times per week. The actual incidences of discrimination reported, however, were far fewer than people feared.
Another key piece of the study looks at social pressure within communities to control prejudice against people with HIV/AIDS. The desire to fit in, researchers believe, is a stronger indicator of behavior than people's actual inner prejudice.
One surprise in the initial findings was where impetus to control prejudice was likely – or not – to occur. "We were expecting," says Miller, "that there might be a relationship between whether or not people thought it was OK to be prejudiced and the size of the community. We didn't find that. You can't just say there's more stigma in rural areas and less in more urban areas like Burlington."
Power to cope
Erasing prejudice and stigmatization would be ideal but in the real world the research shows that coping styles are the most determinative in terms of both emotional wellbeing and likelihood of engaging in safe or risky behaviors, such as consistency of condom use.
People with HIV/AIDS roughly fall into two groups: engagement and disengagement copers. The former are more likely to problem-solve, act proactively, join support groups; the latter to avoid, which might include anything from self-denial of the problem, failure to disclose to potential sexual partners, or even to seek medical care.
Two key findings from the team's initial study verify that engagement coping leads to better outcomes. "The literature indicates that stigma creates problems for people," says Miller. "What we see is that there are certain ways of coping that will help alleviate those problems."
Conversely, in an upcoming paper in the Journal of Health Psychology, Solomon, Miller, and colleagues show that higher levels of disengagement coping are related to the greatest degrees of anxiety and depression symptoms. How actual and perceived stigma within communities relates to these outcomes is a primary question of the new research.
The work is still at the basic research stage but the hope is to eventually develop interventions. "If we know people are particularly avoidant," says Solomon, "we can address those coping strategies and try to reshape them, to empower people. And we can educate the community."
But for the many groups in Vermont who serve those living with HIV/AIDS, who Solomon says the research couldn't function without, the work is helping now.
"This directly bolsters our work in HIV advocacy and outreach," says Peter Jacobsen, executive director of Vermont CARES (Committee for AIDS Resources, Education & Services). "We've been partnering with Sondra and her research partners at UVM for years turning theory into practice. (She) has shared her perspectives and research around HIV stigma and helped us to better speak with those we serve about this persistent and confusing topic."
The need is here, for both the research and on the ground outreach. Jonathan Heins makes it clear. "It's hard work to ensure I don't allow that toxic poison into my being, to not feed into what I think the world perception of me might be," he says. "I lose some battles. But I'm winning the war."


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459th Velika Gorica weekend-go-tournament 2012
The 459th Velika Gorica weekend-go-tournament, a class C tournament, played on 27-10-2012 in Velika Gorica, Croatia, was won by Robert Jovicic 2k, second came Marko Ugarcina 6k and third was Mladen Smud 1k.
Result table.
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What Is Standard Deviation In Bond Investing?
When comparing different kinds of bonds — or any investments, for that matter — it helps to know the standard deviation. This is the most oft-used measure of risk when comparing investments.
What does it mean? An investment with a standard deviation of, say, 3 will give you a return that is within one standard deviation (in this case, 3 percentage points) of the mean about two-thirds of the time. So suppose you have a bond fund that has an historical average annual return of 6 percent, and you know that the standard deviation is 3.
What that means is that two-thirds of the time, the return from this bond fund will fall somewhere between 9 percent (6 percent average return + 3 percent standard deviation) and 3 percent (6 percent average return – 3 percent standard deviation). If that same bond fund had a standard deviation of 5, the returns you could expect would generally fall between 11 percent and 1 percent.
Is a high standard deviation good or bad? That depends on how much volatility you can stomach and how much return you need to get.
Morningstar Principia software enables you to readily find the ten-year standard deviation for any bond fund (which means how volatile the funds have been for the past ten years). Following are a few examples. The higher the number, the greater the price swings in years past and the greater the price swings, most likely, in years to come.
In the world of bonds, the greatest factors affecting volatility are the maturity of the bonds and the stability of interest rates. The price of long-term bonds tends to be much more volatile than the price of short-term bonds.
But the quality of the bonds matters, too. High-yield (junk) bonds tend to be more volatile. And foreign bonds, denominated in other currencies, also tend to be more volatile due to currency flux.
To help put things in perspective, the ten-year standard deviation for the stocks of the S&P 500, an index of the 500 largest companies in the United States, stands at 15.9. As you can see, not even the most volatile categories of bonds are as volatile as that. And the S&P 500 is considerably less volatile than certain other investments, such as tech stocks, small-company stocks, and oil futures.
|Name of Fund
|Type of Bonds in Fund
|Ten-Year Standard Deviation
|Fidelity New Markets Income
|Emerging-market bonds, dollar denominated
|Vanguard Long-Term U.S. Treasury
|Government bonds with average maturity of 20 years
|T. Rowe Price International Bond Fund
|International bonds with average maturity of 8 years
|Vanguard High-Yield Tax-Exempt
|Municipal bonds of various grades with average maturity of 8 years
|Vanguard GNMA
|Government-backed bonds with average maturity of 7 years
|Vanguard Short-Term Bond Index
|Investment-grade corporate bonds with average maturity of 3 years
An individual with net worth of more than $1 million (alone or jointly with a spouse) or with income of $200,000 in each of the past two years and with a reasonable expectation of the same level of income in the current year. Certain higher-risk investments are often restricted to accredited investors.
A risk-adjusted measure of performance. Alpha measures the portion of an investment's return attributable to the security's inherent values (for example, earnings growth) rather than to overall market movements.
A trading technique that takes advantage of price discrepancies when the same security, currency, or commodity is traded on different markets.
A condition that is met when an option's strike price is the same as the prevailing price for the underlying stock. For example, if stock ABC is trading at $125 and the option's strike price is also $125, then the option is at the money.
A financial statement that shows the value of a company's assets, liabilities, and owner's equity on a given date. Total assets minus total liabilities equals owner's equity.
A situation that occurs when you have sold something you do not own. In commodities, if you enter into a contract to sell a commodity which you don't own with a promise to deliver it at a set price on a future date, then you are short that commodity. In stocks, you are short a stock if you have sold it and borrowed the shares from a broker to deliver to the purchaser, with an obligation to replace the borrowed shares at a future date. Being short means that you're bearish, or negative on the market, and that your goal is to make money when the security or commodity that you choose to short falls in price.
A measure of a stock's relative volatility. A stock with a higher beta can be expected to rise or fall more than the overall market, whereas a stock with a lower beta is less volatile than the overall market.
A theoretical model used to calculate the fair market value of an option based on time to expiration, price of the underlying stock, historical volatility, strike price, and carrying costs.
A contract that gives the holder the right to buy a particular asset at a specified price at any time prior to the expiration of the option.
A bond that the issuer can redeem before its maturity date. The bondholder is often paid a premium when the bond is called.
A chart that shows the daily high, low, opening, and closing prices for a security over a specified time period.
The profit from the sale of an investment at a price that's higher than the purchase price.
An interest-bearing investment issued by a bank. CDs are typically available with maturities ranging from three months to five years.
Buying and selling securities by a broker for the sole purpose of generating commissions.
A call option written by an investor who already owns the underlying shares. If you write a covered call and the option is exercised by the holder, then you would just deliver the stock to the holder.
Delta represents the price change of an option for every one-point change in the price of the underlying security or futures contract.
A financial instrument whose value is based on the value of another asset or index. A stock option, for example, is a type of derivative that gives you the right, but not the obligation, to buy shares of the stock at a predetermined price. The option's value changes in relation to the price of the stock.
An electronic order-routing system used by NYSE member firms to send market and limit orders directly to the specialist at the exchange who trades that particular security.
Money paid out by a company to the owner of its stock. An income stock is a stock that has a regularly paid, higher-than-average dividend.
A market in which stock shares are issued and traded. Trading takes place through both exchanges and over-the-counter markets.
A mutual fund that is traded, like stocks, on an exchange.
Currency that a government declares to be legal tender, even though it is not backed by reserves of physical assets (such as gold). The value of fiat money derives solely from the public's confidence and faith in its ability to serve as a storage medium for purchasing power. Most of the world's money is fiat money.
The largest non-governmental regulatory organization responsible for overseeing all securities firms that do business in the United States. Responsibilities include professional training, testing and licensing of registered representatives, and arbitration and mediation.
Speculation on the value of one currency versus another, in which you buy one country's currency—just as you'd buy a stock or other security—in the hope that it will appreciate relative to the value of another currency.
Contracts where you agree to buy or sell a specific amount of a commodity, currency, or other asset at a specified price on a specified future date. Unlike an option, a futures contract creates an obligation, rather than just a right, to buy and sell the underlying security.
When you own a security or other asset, you are said to be long that security. When you go long (that is, buy) a security, you're bullish, or positive on the market, and you expect the price of that security to go up.
Privately held corporations created by Congress to work for the common good—generally to facilitate borrowing for homeowners, farmers, and other specific groups. Examples of GSEs include Fannie Mae, Freddie Mac, and the Federal Farm Credit Bank.
A chart formation in a graph of an asset price that resembles three mountaintops in a row, with the middle mountaintop being taller than the other two. The pattern indicates a trend reversal, meaning that prices are expected to fall.
An investment strategy that allows you to reduce the risk of an unfavorable price change in a security or commodity. For example, a stockholder of ABC Company who is worried about declining stock prices can offset that risk by buying a put option on ABC, allowing him to sell his shares in the future at today's price.
Investments that don't trade very actively and are difficult to sell on short notice.
A theoretical value representing the volatility of the security underlying an option. Implied volatility is used by the Black-Scholes model, among others, to calculate the price of an option. Implied volatility usually rises when the markets are in downtrends, and falls when the markets are in uptrends.
A condition that is met when a call option's strike price is below the prevailing price for the underlying stock. For example, if stock ABC is trading at $125 and the option's strike price is $120, then the option is in the money. For a put option, the strike price must be above the current market price of the stock for the option to be in the money.
A mutual fund designed to mirror the performance of a specific market index such as the Dow Jones Industrial Average or the S&P 500. Expenses of index funds tend to be lower than other mutual funds because the manager is not actively researching, buying, and selling securities.
A type of individual retirement savings plan. There are several types of IRAs, including, among others, Traditional IRAs and Roth IRAs. Traditional IRAs are tax-deferred accounts that currently allow individuals to contribute up to $5,000 per year. Contributions to a Traditional IRA may be tax deductible, depending upon several factors. You don't pay taxes on the income and gains you generate in a Traditional IRA until you make withdrawals; all withdrawals will be taxed at the ordinary income tax rate. Roth IRAs are subject to different tax treatment.
The degree to which an investor or business is utilizing borrowed money. For investors, leverage is a means of multiplying the return on an investment by borrowing money to purchase additional securities or other assets. Buying securities on margin is an example. If you have $1,000 of cash and borrow another $1,000 from your brokerage, you could then purchase $2,000 of stock. If the value of the purchased stock increases by 10 percent ($200), then you have realized a 20 percent gain ($200/$1,000) on your actual cash investment.
The value of a company as measured by the total number of stock shares outstanding times the market price of each share. For example, if company ABC has 20 million shares outstanding, and each share is currently worth $100, then the market cap for ABC is $2 billion. In general, stocks are classified as large cap (over $5 billion), small cap (under $1 billion), or mid cap (anything in between).
A stock index where the effect of each stock on the index is in proportion to its market value.
A major ongoing development that is expected to have significant implications for most (if not all) facets of society over an extended period of time. The aging of the American population is an example.
The perceived strength behind a price or volume movement in a security based on the rate of acceleration of that movement.
In technical analysis, a chart line that shows the average of a security's price over a specified period of time, recalculated for each new data point. For example, a 30-day moving average will include yesterday's price and those for the previous 29 days. Tomorrow's moving average will include today's price but will drop the price for the earliest date in yesterday's average. The moving average is used to spot pricing trends by flattening out large fluctuations.
A bond issued by a local or state government or agency. Munis generally raise money for public projects such as hospitals, roads, bridges, and sewer systems as well as general governmental operations. When you buy a muni, the interest is usually exempt from federal income tax.
A fund operated by an investment company that raises money from shareholders and invests that money in a group of assets in accordance with one or more stated objectives, such as income, growth, aggressive growth, and so on. A mutual fund may generally invest in stocks, bonds, options, futures, currencies, and money market securities in accordance with its stated parameters. All shareholders share equally in the income, gains, and losses generated by the fund.
A call option written by an investor who does not already own the underlying shares. If you write a naked call and the option is exercised by the holder, then you would have to buy the stock at the market price to meet your obligation. Naked calls are very risky, though potentially very rewarding.
An electronic stock exchange established by the National Association of Securities Dealers (NASD). The Nasdaq lists over 3,200 companies and is the largest equity securities trading market in the U.S.
A system where traders on a trading floor or in a trading pit shout and use hand signals to make transactions or trades with each other.
A derivative security that gives the holder a contractual right to buy or sell a set amount of a stock, commodity, or other asset at a specified price on or before the option's expiration date. An option is purchased for a fee, called a premium.
A person who is buying options. Call option holders have the right to buy a stipulated quantity of the underlying asset specified in the contract at a specified strike price. Put option holders have the right to sell the specified amount at the strike price.
A condition that is met when a call option's strike price is above the prevailing price for the underlying stock. For example, if stock ABC is trading at $120 and the option's strike price is $125, then the option is out of the money. For a put option, if the strike price is below the current market price of the stock, then the option is out of the money.
A securities market where trades are conducted by phone or computer network directly between dealers rather than on a physical trading floor. All bonds trade over-the-counter, as do unlisted stocks (generally, stocks of smaller companies that do not qualify for listing on an exchange).
A contract that gives the holder the right to sell a particular asset at a specified price at any time prior to the expiration of the option.
A company, usually traded publicly, that raises money from shareholders and invests that money in a portfolio of real estate properties. REITs are modeled after mutual funds, although the tax treatment of REIT income is different.
A statistical technique used to find the mathematical relationship between a dependent variable (such as a company's stock price) and one or more independent variables (such as GDP, income growth, or inflation). Regression analysis is used to predict future values of the dependent variable based on changes in the independent variables.
A price movement in the opposite direction of the previous trend. When a price has gone too far and traders deem the security overbought or oversold, the price may stop rising or falling and move in the opposite direction for a period of time.
A type of IRA in which contributions to the account are not tax-deductible, but qualified withdrawals are completely exempt from federal income tax.
A federal agency whose mission is to protect investors from fraud or other unlawful market activities.
A nonprofit corporation created by Congress in 1970 to protect investors in the United States. SIPC insures the assets in investor accounts (up to certain maximum amounts) at registered brokerage firms in the event of bankruptcy of those firms.
An instruction to a broker to sell a stock at the market price after the security has touched the specified stop price. A sell stop is always placed below the present market price and is usually designed to protect a profit or limit a loss.
The general feeling among investors as to which direction the stock market is heading. If the sentiment is that prices are going up, it is said to be bullish; if the sentiment is toward a downward movement, it is bearish. Investors base sentiment on market activity and movements in the prices of securities.
A situation that occurs when you have sold something you do not own. In commodities, if you enter into a contract to sell a commodity which you don't own with a promise to deliver it at a set price on a future date, then you are short that commodity. In stocks, you are short a stock if you have sold it and borrowed the shares from a broker to deliver to the purchaser, with an obligation to replace the borrowed shares at a future date. Being short means that you're bearish, or negative on the market, and that your goal is to make money when the price of the security or commodity that you choose to short falls in price.
A retirement plan available to small employers and self-employed individuals in which both the employer and employee can contribute to an IRA.
An annuity contract that you purchase from an insurance company with a single upfront payment. An SPIA usually starts making regular monthly payments to you immediately.
You create a straddle when you simultaneously buy a put and a call on the same stock at the same strike price and with the same expiration date.
You build a strangle when you buy a put and a call on the same stock with the same expiration date but at strike prices that are equally out of the money. A strangle costs less than a straddle because both options are out of the money, but you only make a profit if the price of the underlying stock moves dramatically.
The price at which the stock or commodity underlying an option can be purchased (call option) or sold (put option) pursuant to the terms of the contract.
An exchange of streams of payments over time according to specified terms. The most common type is an interest rate swap, in which one party agrees to pay a fixed interest rate on a notional principal amount in return for receiving an adjustable rate from another party.
One-sixteenth of a point.
A price change in a security's trades. If the next trade takes a security up in price, it's an uptick; if it takes the security down, it's a downtick. In futures and options trading, a tick is the minimum change in price, up or down.
The spread between the high and low prices of a security or commodity within a particular period.
Debt obligations of the U.S. government that are secured by its full faith and credit. Treasuries include bills (maturities of less than one year), notes (maturities of 1 to 10 years), and bonds (maturities of more than 10 years).
A statistical measure of the movement of a financial asset's price over time, gauging how fast the price of the asset changes. The price of a highly volatile security can change dramatically over a short period of time. A measure of the volatility of a security relative to the overall market is its beta.
A person who is selling options. Call option writers have the obligation to sell a stipulated quantity of the underlying asset specified in the contract at the specified strike price if the option is exercised by the holder. Put option writers have the obligation to buy the specified amount at the strike price if the option is exercised.


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- New York Yankees Joba Chamberlain YOUTH Replica Player Jersey
Support your favorite baseball team in style with this 100% poly double knit replica team jersey by Majestic Athletic. Features of this jersey are full chest, or left chest official font logo application depending on team standards. Player name and number on reverse are stitched.
Youth Size equivilants: S=8, M=10-12, L=14-16, XL=18
Youth Size equivilants: S=8, M=10-12, L=14-16, XL=18
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At Willowsford, daily life is filled with uncommon delights. Like making ravioli from scratch in a cooking class. Or getting muddy in a trail-run adventure race. Or teaching your kids to cast a line on Willow Lake and camping out under the stars. You know what else is uncommon? That most of the amenities planned are already here. Which means, at Willowsford, the life you always wanted to live someday, is ready for you to experience fully, today.
Start your Willowsford experience at one of our inviting information centers. Here, our guides will provide you full access to the Willowsford community, lifestyle and builders.


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Buttermilk Chess Pie
From Country Living
Smooth, sweet, and tangy, this dessert is a Deep South favorite.
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Nutritional Information
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|Total Fat
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Ann Stratton
Serves: 8
Oven Temp: 425
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- 1 cup(s) all-purpose flour
- 1 teaspoon(s) salt
- 1/2 cup(s) (1 stick) unsalted butter, chilled and cut into small pieces
- 1 large egg yolk, lightly beaten
- 1/4 cup(s) buttermilk
- 4 large egg yolks
- 1 cup(s) sugar
- 1/2 cup(s) all-purpose flour
- 3 tablespoon(s) unsalted butter, melted
- 1/2 teaspoon(s) baking soda
- 2 cup(s) buttermilk
- 2 tablespoon(s) fresh lemon juice
- 2 tablespoon(s) (about 1 lemon) grated lemon zest
- Make the Pastry: In a medium bowl, combine flour and salt. Add butter and use your fingers or a pastry cutter to incorporate it into the flour until mixture resembles coarse meal. Using a fork, mix in egg yolk and buttermilk just until the mixture begins to cling together. Gather into a ball and flatten into a disk. Wrap tightly in plastic wrap and refrigerate for 1 to 2 hours.
- Blind-bake the crust: Preheat oven to 425 degrees F. On a floured surface, roll pastry out to an 11-inch circle and transfer it to a 9-inch pie plate. Trim up to 1/2 inch of pastry to even edge and fold the overhanging pastry under itself. Pinch the dough to crimp it around the rim. Cut out a circle of parchment paper to cover the bottom of the dough and line it with pie weights or dried beans. Bake for 10 minutes, remove the weights and paper, and continue to bake until the crust is golden -- 8 to 10 more minutes. Cool on a wire rack. Lower oven temperature to 350 degrees F.
- Make the Filling: In a medium bowl with a mixer set at medium speed, beat egg yolks and sugar until pale yellow. Add flour and butter and continue to beat until incorporated. Stir in the baking soda, buttermilk, lemon juice, and zest. Pour the filling into the baked piecrust.
- Bake the pie: Loosely cover the crimped edge of the crust with a foil collar to prevent overbrowning. Place pie on the middle shelf of the oven and bake until the custard is set and lightly browned and a knife inserted into the center comes out clean -- about 40 minutes. Cool on a wire rack. Serve at room temperature or chilled.
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Author Archives: The Federal Office of Child Support Enforcement
Statistics are critical to our program
I just learned (via the U.S. Census Bureau) that 2013 is International Year of Statistics. A page full of statistics can be scary to some, but statistics is one of my favorite words. In OCSE, we have a division of … Continue reading
Setting our sights high in 2013
This New Year, I want to first congratulate all of you—child support professionals in state, tribal and local agencies, and in OCSE offices around the country—for setting your sights high on helping children, parents and families throughout 2012, and succeeding … Continue reading
Model Tribal System readying for launch
Today 58 tribes operate start-up or comprehensive child support programs—10 more than a year ago. These tribal programs are reaching custodial and noncustodial parents in their communities, helping them support their children financially and enrich their children's lives emotionally, in … Continue reading
Change management in the child support program
"Managing change in the workplace" is a catchphrase in today's government and business worlds. Within our child support community, we, too, are exploring ways to manage change in our program. In many ways, the child support program exemplifies a "culture … Continue reading
New poverty data matter to our program
On Sept. 12, the U.S. Census Bureau released its annual household income report, Income, Poverty and Health Insurance Coverage in the United States: 2011. Each year, child support professionals eagerly anticipate this release as we develop our priorities and projects … Continue reading
Preparing for an emergency
When an earthquake shook the East Coast a year ago, damage in DC was minimal, although OCSE staff was a bit rattled. However, the experiences of many of our colleagues in child support offices around the country have been far … Continue reading
Two U.S. Supreme Court decisions
June 20 marked the one-year anniversary of the U.S. Supreme Court decision in the Turner v. Rogers case. (See the July 2012 Child Support Report.) Mr. Turner, the noncustodial parent, was ordered to pay $51.73 per week in child support. … Continue reading
On Father's Day, the importance of being a father
The role of fathers in the American family is changing. Fathers who live with their children are spending more time with them and taking part in a wider range of activities, according to a recent Pew Research Center analysis. Almost … Continue reading
Changes in motherhood and youth
Every Mother's Day, I gave my mom a gift—the potholders I wove on the loom myself or the ashtray with my picture on the bottom that I made at school. I would hide the present in my closet because my … Continue reading
Interoperable computer systems will mean better customer service
Technology has the power to help break down silos between state health and human services programs and improve customer service. The promise of interoperable computer systems is that families will not have to go through multiple applications, interviews and appointments … Continue reading


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Science Faculty Share Expertise in Kenya, Belize and Alaska
Doug Woodmansee, Russell Kincaid and Alfred Conklin Teach and Learn in Exotic Locales
January 12, 2014
Alfred Conklin, professor of chemistry and agriculture, spent several weeks in Kenya assisting with the region's agricultural challenges.
A trio of Wilmington College faculty members from the science area traveled to the corners of the globe in journeys that involved seeking or sharing knowledge — or both.
Alfred Conklin, professor of chemistry and agriculture, worked with agriculture and food production in Kenya, while Douglas Woodmansee, professor of biology, provided medical care in an impoverished area of Belize and Russell Kincaid, associate professor of mathematics, learned about some of Alaska's most incredible geological features.
Kenyan Quakers invited Conklin to assist a pastoral community in the nation's Samburu region in broadening the types of food they regularly consume to improve their nutritional intake. The tribe is comprised largely of herders that take sheep and goats to pasture each day. Conklin offered food production instruction to mostly women.
"This area was food deficient — they had to import a lot," he noted. "The people originally ate milk and blood (meat), but they're switching over to ugali (ground corn flour and water), beans and kale (a variety of cabbage)."
Conklin cited the "inconsistent" rainfall inherent to eastern Kenya as one of the most imposing problems for growing crops — the deadly drought of 2006 continues to reverberate in the tribal society. Also, with no electricity or running water, opportunities for irrigating crops are few.
"This is a pretty primitive area. If you want to get there, you need a four-wheel-drive vehicle with a snorkel on it," he said about the dirt roads pocked with mud holes during the rainy season.
The trip marked Conklin's fifth visit to Africa, as, over the years, he has shared his expertise in Niger, Kenya, Tanzania, Zimbabwe and, now, Kenya again. "I always enjoy working with people from other cultures — that's always been part of my motivation," he said. "Helping people is the key. If people need my help, I'll help them."
Woodmansee spent 10 days in the Central American nation of Belize in June accompanying nursing and pre-medical students from other institutions in providing medical care.
(LEFT) Douglas Woodmansee, professor of biology, assisting in providing medical care in rural Belize.
They visited homes to learn residents' medical history and conduct basic physical examinations before referring patients to physicians. "Students learned about public health and basic clinical medicine while interacting with poor people in a Third World country," he said.
Woodmansee, who also had a chance to gain a local insight into his interest in parasites, said his major motivation was to determine if such a public health experience might benefit Wilmington College students.
"The main reason why I took the trip was to scout the organization, International Service Learning, and see if it were a good fit for our students interested in pre-med, physical therapy and nursing," he said, noting he may try and set up a WC trip in the near future.
Also, in fall 2012, Woodmansee traveled with microbiologists to China, where they visited three large universities and the National Academy of Science. He was struck by the almost unfathomable amount of construction occurring in large cities and the prevalence of government science and technology grants for "anything that could make money."
Interestingly, "We saw no hint that bioethics were in the calculus of anything they were doing," he added.
Kincaid traveled to the "great, natural outdoor beauty" that is Alaska, where he took two intensive courses on the state's glaciers and its history with earthquakes and tsunamis.
(RIGHT) Russell Kincaid, associate professor of mathematics, studied Alaska's glaciers and earthquakes.
The experience hearkened the mathematician's "broad range of interests" as he was fascinated with learning about the natural advance and retreat of Alaska's massive glaciers.
"Some of these glaciers have advanced so slowly that there's a forest on top of them," he said, noting that his time in the glacier fields has motivated him to consider researching the glacial moraine in nearby Highland County, Ohio.
The Great Alaskan Earthquake of 1964 was a focal point of his course on the state's significant seismic activity. The 9.2, "megathrust" temblor — the most powerful ever recorded in North America — proved devastating in south central Alaska and resulted in deadly tsunamis emanating from Prince William Sound that caused damage as far as California, Hawaii and Japan. The episode resulted in 143 deaths in the sparsely populated state.
"A large forest dropped by nine feet as a result of the earthquake," he said.
Both Kincaid and Conklin received travel money from WC's Isaac Harvey Fund, which assists in helping fund student and faculty travel involving such areas of Quaker interest as service, peace, social justice and education. The fund depends on gifts from alumni and friends.


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Jon Andrews Receives WMS Hackett-Auerbach Award
We are proud to announce that Tillman Military Scholar Jon Andrews, who served in Iraq and Afghanistan with U.S. Army Special Forces, is the recipient of the prestigious WMS Hackett-Auerbach Award from the Wilderness Medical Society.
Jon is a third-year medical student focusing on anesthesiology at Duke University School of Medicine in Durham, NC. The WMS award provides a $10,000 grant for his 3rd Year Project: The Effect of Riociguat on Gas Exchange, Exercise Performance and Pulmonary Artery Pressure during Acute Altitude Exposure.
Over the next year, Jon will work with Dr. Richard Moon in the Center for Hyperbaric Medicine & Environmental Physiology at Duke. The drug they are researching, Riociguat, was just approved by the FDA in October for treatment of two forms of pulmonary hypertension. Testing will be done in a hypobaric chamber with barometric pressures and inhaled oxygen adjusted to simulate an actual altitude of 15,000 feet.
"We conducted our first trial of the study this March, so it's really exciting to finally be underway after so much initial preparation and paperwork," Jon said. "Ultimately, we hope that this new drug will be something that can help improve exercise performance in military units that conduct operations at high altitude."
In addition to his medical research, Jon actively supports the Durham community as an Albert Schweitzer Fellow; the fellowship helps medical students conceive and implement year-long service projects to address the root causes of health needs in underserved communities.
Jon's fellowship project, in collaboration with Duke medical student Nicholas Tsipis, helps youth at Durham Nativity School address the safety and preparedness of their community during a disaster situation when basic medical supplies are scarce and emergency medical services aren't readily accessible.
As a team, Jon and Nick are teaching students how to prepare for and respond to a disaster, conduct patient assessment, perform hands-only CPR, and apply simple wound dressings. They are also helping students write family disaster plans, signed by all members of each student's household, as well as build disaster kits with as many items needed for preparedness for their homes.
6th Annual Pints For Pat at Rúla Búla
Pints for Pat is the kick-off event counting down the 42 days to the 10th Annual Pat's Run, the Foundation's signature fundraiser to support Tillman Military Scholars who are carrying forward Pat's legacy.Read More
2014 Tillman Military Scholars Application Now Open
The Pat Tillman Foundation is pleased to announce the opening of the annual application process for the Tillman Military Scholarship for eligible active-duty service members, veterans and military spouses.Read More
Five More Ways to Run for Pat
Pat never stopped pushing the limits as an athlete.Read More
Told he was too small to ever play football, he defied skeptics first as an All-American ASU Sun Devil and then as a record-breaking safety for the Arizona Cardinals.
TIME: Forward Marching, After War
Veterans stripped of a sense of purpose and mission often find themselves asking that question once they leave the service after tours in Iraq and Afghanistan.Read More
Angela Durko receives Texas A&M's Vice Chancellor's Award for graduate student teaching
Angela Durko, a graduate student in the department of recreation, park and tourism sciences at the College of Agriculture and Life Sciences, Texas A&M University, has been presented a Vice Chancellor's Award in Excellence in the Graduate Student Teaching category.Read More
Marie Tillman discusses her final gift from husband Pat
On the day she was informed that her husband was killed in 2004, Pat Tillman's wife also discovered a "just in case'' letter that he had left her before his deployment to Afghanistan as a U.S. Army Ranger.Read More


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1992 Mercedes-Benz 300-Class Coupe 300CE 2dr Coupe
I've always had good experiences with MB's, and so far so good. High mileage car (192k) in perfect shape - some minor electrical issues (to be expected) but overall I love it. Styling is still fresh, and the twin- cam revs freely to 7000rpms making spirited driving a ball. Rear seat is worthless unless you're an infant, but I'm 6'4" and very comfy up front. Pillarless design is *great*.
the full review
I have owned this car for 11 years and
it has been extremely reliable. I own 2
other Mercedes models which are newer
but do not hold a candle to the 300 CE!
the full review
This one is a keeper. The car has been reliable and free of any troubles. By
this model year, all earlier bugs seems to have been fixed. The style will be
hip for a long long time.
Timely maintenance today will go a long long way. Keep yours in good
shape and it will keep purring along.
the full review
Excellent car! Never thought I would
enjoy driving a car so much. The
exterior design is timeless and the
comfort and performance are superb.
Solid fun.
the full review
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Tag: sale
Cocky Culture Themes 65% Off Sale For New Year!
Tony from Cocky Culture, let us know that Cocky Culture is having a great New Year sale with 65% off the premium themes, and the sale runs until January 3rd of 2010. With a coupon code and a theme in mind, you can take off 65% and change up the look of your BlackBerry.
ATTN: Black Friday Theme Sale From Cocky Culture For Your BlackBerry!
Tony, from Cocky Culture, was kind enough to let us know that his themes are 50% off through Friday for Black Friday. His themes are amazing and we've reviewed and highlighted his exceptional and unique themes on our site. If you're into a unique theme whether it's intriguing, antique, sweet, or gothic/rock, there's a theme […]
New Theme By HedoneDesign: Rollin'
HedoneDesign has many different types of themes but there's a great new called Rollin' that is on sale in the BlackBerry Sync Store for $3.99 till October 10th! The theme is nostalgic, reminiscent of the late 60's/early 70's era. The look reminds me of a Herbie the Love Bug meets Sgt Pepper's. The description is […]


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What do you think? Give us your opinion. Anonymous comments allowed.
#124 - jaydarkwater (06/18/2013) [-]
I've thought a lot about Christianity today (I am Christian, or at least try to be a good one) and ended up pondering why atheists still say things like "Oh my God" or "Jesus Christ that was scary!".


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As the Tesla Model S sedan rockets in popularity and sales, and as the electric automaker begins to turn a profit, Elon Musk just announced that the next Tesla production model will go on sale "hopefully" in 2016, but no later than 2017. Speaking to Engadget, Musk suggested that the car would be "slightly smaller" than the Model S and could retail for around half the price—the electric sedan currently starts at $70,000.
There's little doubt that a cheaper, more accessible EV could be a huge step for Tesla. However, as Engadget notes, the cheaper 40 kWh Model S was withdrawn from the market earlier this year after making up a paltry four percent of Model S sales, and was in Musk's words "slightly sluggish." The challenge with the "third-gen" Tesla—which will be their fourth car, if one includes the Roadster—will be to make a car that not only meets the reputation and standards that Tesla has established (and aggressively defended), while massively reducing the cost. Or, as Musk phrases it "[t]he trick is: how to build a compelling affordable car. It doesn't help to have a car that's cheap, but that sucks."
Engadget suggests that in order to accomplish this, Tesla will need to cut the cost of the battery pack and the electric drivetrain by 50 percent, "just to have a chance." While Musk believes that the combination of the as-yet-unnamed new model's smaller size will help, as well as banking on economies of scale.
Via Engadget, Autogreen Blog
1 Comment
Kevin Morrison April 14, 2013 at 12:56 am
"Elon Musk just announced that the next Tesla production model will go on sale "hopefully" in 2016, but no later than 2017."
Your interpretation is incorrect, the next model will be the Model X (the crossover) which is due around 2014. The model that will launch in 2016 – 2017 will be their "mainstream" model.
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Jill FehrenbacherDid you know that there are wolves living near you in almost every state in the country? Sadly most of these wolves are not living in the wild, but in wolf sanctuaries, which are conservation organizations set up to protect them and help grow their populationREAD MORE >
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Tamsin Woolley-Barker, PhD.The Biomimicry Manual: What can We Learn About Resilience, Weight Loss, and Kidney Disease from the Grizzly Bear?I'm off to the wilds of Montana this week, doing some in-person, up-close biomimicry research, and I've got my fingers crossed I'll see a grizzly bear. But you know, over there, not over here. With five inch long claws, massive muscular shoulders and forearms,READ MORE >
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- (1) Mounting Base
- Required to install Protect-A-Rail system in your truck bed
- Works with: 97 and newer ford trucks
Our Price: $129.00
Our Price: $1,749.99
Our Price: $154.10
Our Price: $43.97
Sale Price: $69.99
Our Price: $5.75
Our Price: $3.75
Our Price: $74.40
Our Price: $46.43
Our Price: $235.92
In Stock
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This item is currently not in stock. Purchases of out of stock items usually ship within 7-21 days. However, this is subject to manufacturer availability.
For a more accurate shipping time please call 702-891-8150.
For a more accurate shipping time please call 702-891-8150.


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- Exchange: NASDAQ GS
- Sector: Financials
- Industry: Specialty Finance
- Sub-Industry: Other Financial Services
Encore Capital Group Inc+ Add to Watchlist
As of 20:10:00 ET on 12/26/2014.
Company Profile for Encore Capital Group Inc (ECPG)
Encore Capital Group, Inc. is involved in consumer debt buying and recovery. The company purchases portfolios of defaulted consumer receivables from banks, credit unions, and utility providers and partners with individuals as they repay their obligations and work toward financial recovery.
Contact Information
Encore Capital Group Inc
8875 Aero Drive
Suite 200
San Diego, CA 92123
United States
Phone: 1-877-445-4581
Fax: 1-800-306-4443
Key Executives for Encore Capital Group Inc (ECPG)
|Kenneth A Vecchione "Ken"President/CEO
|Jonathan C ClarkCFO:Midland Credit Mgmt
|Paul J GrinbergExec VP/CFO/Treasurer
|James A SyranExec VP:New Bus Integration
|Ashish MasihExec VP:U.S Debt Purchasing
|Gregory L CallSenior VP/Secy/Gen Counsel
|Barbara J KennedySenior VP:Human Resources
Quotes delayed, except where indicated otherwise. All prices in local currency. Time is ET.
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Indian River Lakes Area
The Indian River Lakes system, located on the St. Lawrence River plain in Jefferson and St. Lawrence Counties, consists of 18 natural lakes. These lakes range from shallow, highly productive warm water lakes to deep, cold water lakes. The region takes it's name from the Indian River, a picturesque mostly slow-moving river that begins as a small stream at Indian River Village and flows almost 100 miles to Black Lake. Seventy-five miles of the river is readily canoeable and fishing is good through its length, making it an extremely appealing area to the serious, as well as the casual outdoor enthusiast.
The Indian River region is underlain by the Frontenac Axis, a band of Precambrian metamorphic marble, gneiss, and granite, extending from Canada to the Adirondacks. Above are found remnant outliers of sandstone and sandy dolomite which survived glacial erosion.


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Robust Performance and Flexibility
The Dell™ PowerEdge™ T410 is Dell's high value and flexible 2 socket tower designed to address the broad needs of the growing business and corporate remote offices.
- Advanced processing performance, memory and storage
- Customer inspired, compact quiet design
- Simplified systems management
- Intel® Xeon® processor 5500 and 5600 series
Six-core Intel® Xeon®
Quad-core Intel® Xeon®
Operating System
- Microsoft® Windows Server® 2012
Microsoft Windows® Small Business Server 2011
Microsoft Windows Small Business Server 2008
Microsoft Windows Server 2008 SP2, x86/x64 (x64 includes Hyper-V®)
Microsoft Windows Server 2008 R2 SP1, x64 (includes Hyper-V v2)
Novell® SUSE® Linux® Enterprise Server
Red Hat® Enterprise Linux®
- Intel® 5500 chipset
- Hard Drive Options:
3.5" SATA (7.2K RPM): 160GBs*, 250GBs*, 500GBs*, 750GBs*, 1TB*
3.5" Near Line SAS (7.2K RPM) 500GBs*, 750GBs*, 1TB*
3.5" 6Gps SAS (7.2K): 2TBs*
3.5" SAS (15K RPM): 146GBs*, 300GBs*, 450GBs*
3.5" SAS (10K RPM): 600GBs*
2.5" SAS (10K RPM): 73GBs*, 146GBs*, 300GBs*
2.5" SATA SSD 25GBs*, 50GBs*, 100GBs*
Maximum Internal Storage:
12TBs (6x 2TB SATA)
12TBs (6x 2TB NL-SAS)
Backup Devices
RD1000 (Internal and External)
DATA72 (Internal and External)
LTO2-L (Internal and External)
LTO3-060 (Internal and External)
LTO3FH (External)
LTO4-120 HH (Internal and External)
LTO4-120 FH (External)
PV114T (External, 2U)
Tape Automation
Backup and Recovery Software:
Symantec Backup Exec including Backup Exec System Recovery
Drive Bays
- Cabled or Hot-Swap options available:
Cabled HD options:
Up to six 3.5" SAS or SATA drives
Hot-Swap HD options:
Up to six 3.5" SAS or SATA
Up to six 2.5" SAS, SATA or SSD drives
- 5 PCIe G2 slots:
One x16 slot
Four x8 slots
RAID Controllers
- Internal:
PERC H200 (6Gb/s)
PERC H700 (6Gb/s) with 512MB Non-Volatile cache
PERC H700 (6Gb/s) with 512MB battery-backed cache; 512MB, 1G Non-Volatile battery-backed cache
SAS 6/iR
PERC 6/i with 256MB battery-backed cache
PERC S100 (software based)
PERC S300 (software based)
PERC H800 (6Gb/s) with 512MB Non-Volatile cache
PERC H800 (6Gb/s) with 512MB of battery-backed cache; 512MB, 1G Non-Volatile battery-backed cache
PERC 6/E with 256MB or 512MB of battery-backed cache
External HBAs (non-RAID):
6Gbps SAS HBA
LSI2032 PCIe SCSI HBA
Network Controller
- 1 Dual port Broadcom BCM 5716
- Intel PRO/1000PT - Single Port Intel x1 PCIe, copper GbE NIC
Dual Port Broadcom 5709 PCIe copper, GbE NIC, TOE
Dual Port Broadcom 5709 PCIe copper, GbE NIC, TOE/Isoe
Intel PRO/1000VT Quad Port Intel x4 PCIe copper, GbE NIC
Intel Single Port 1GbE NIC
Intel Dual Port 1GbE NIC
Intel Quad Port 1GbE NIC
Broadcom Dual Port 1GbE NIC
Brocade CNA Dual-port adapter
Optional add in HBAs:
Brocade FC4 and 8 GB HBAs
- Non-Redundant, 525W (80+)
Optional Redundant, 580W (80+ GOLD)
Auto Ranging (100V~240V)
UPS (Uninterruptible Power supplies):
Extended Battery Module (EBM)
Network Management Card
- Quad-pack LED diagnostic / LCD with Hot-swap HDD chassis
Video Card
- Matrox G200eW w/ 8MB
- 444.9 x 217.9 x 616.8 (mm) (w/ bezel, w/ tower foot)
17.52 x 8.58 x 24.28 (in)
- Dell™ OpenManage™
BMC, IPMI 2.0 compliant
Optional: iDRAC6 Express, iDRAC6 Enterprise and vFlash
Microsoft® System Center Essential (SCE) 2010 v2
- Regulatory Model: E08S
Regulatory Model: E08S001
Product Safety, EMC and Environmental Datasheets
Dell Regulatory Compliance Home Page
Dell and the Environment
Advanced Processing Performance, Memory and StorageCompact, flexible, quiet and easy to use, the Dell™ PowerEdge™ T410 leverages Dell's next-generation technologies for reliable performance.
The advanced performance of Intel® Xeon® processors, DDR3 memory and up to six 3.5" hard drives (or optional 2.5") meets the multi-application needs of growing businesses.
The Dell PowerEdge T410 features quiet acoustics, available redundant power supplies and excellent diagnostics with an available interactive LCD.
A Customer Inspired, Compact DesignA chassis depth of 24 inches provides optimum deployment flexibility in space-constrained businesses.
With world-class system and image commonality and customer inspired usability, the Dell™ PowerEdge T410 offers a clean, logical layout and power supply placement for quick installation and simplified redeployment.
The Dell™ PowerEdge T410 also includes a cutting-edge chassis and improved hard drive carriers and fans for exceptional reliability, smooth, quiet operations and ease of use.
Simplified Systems ManagementThe new generation of the Dell™ OpenManage™ suite of tools offers efficient operations and standards-based commands to integrate with existing systems for effective control.
OpenManage reduces tasks from multiple steps to a single step and lays the framework for automated operations. Features include a single console interface with the ability to plug in technology from other partners for effective software and systems management.
No other company knows more about storing and protecting information on Dell servers and storage arrays — than Dell. Direct feedback from customers — fueled by the Dell direct model — drives the design and development of a broad range of storage products for organizations of all sizes. Upon consulting with you to understand your operational objectives, Dell can design and deploy a custom storage solution and become a primary contact to assist you with your enterprise applications and information.
|Storage Area Network (SAN):
A network of shared storage resources
|Network Attached Storage (NAS):
A storage server that connects to a network
|Disk Storage Arrays:
Disk enclosures that connect to a server or network
|Disk Backup :
Disk-based backup and data protection
|Tape Automation:
Automated tape systems for consolidated backup
|Tape Drives and Removable Disk Drives:
Tape and removable disk drive devices used to back up and restore information
Dell Services and Support
By integrating our hardware, software and services, we can minimise your transition time and costs, help you improve your business productivity, and more quickly realise the return on your investment. Our new 11g servers have embedded diagnostics and a Lifecycle Controller that helps speed up problem isolation and recovery in the event of a failure — sometimes before you're even aware an issue exists. And during the transition to a new platform or operating system, the embedded OS Lifecycle Controller is designed to direct the transition of your OS/server images in the most customised and cost-effective method possible.
Dell ProConsult Infrastructure Consulting Services
Dell global infrastructure consulting services utilise skilled solution architects, innovative tools, automated analysis and our own intellectual property to give customers rapid insight into the root causes of unnecessary complexity. We seek better answers than traditional service models, based on our belief that solving problems should not need armies of people. Our strategy is to help customers quickly identify high-impact, short-duration projects that deliver ROI and free up resources to obtain competitive advantage. The result is practical, action-orientated plans with specific, predictable, measurable outcomes.
Dell ProManage Managed Services
Dell ProManage services don't follow the traditional one-size-fits-all approach. They're modular so you get to choose what you need for your business. Through features like ImageDirect, hardware customisation and asset recovery, we've got what you need, when you need it.
Our factory, remote and on-site installation services for servers make efficient use of your employees' time by helping to speed up activities like configuration and deployment, allowing them to focus more on improving your business.
Hardware customisation services can eliminate installation hassles by delivering systems that are ready to work right out of the box.
Dell Asset Recovery and Recycling Services help you recover and dispose of owned or leased computer equipment, in a manner that follows EPA guidelines.
Dell ProSupport Services
Dell ProSupport is a comprehensive, configurable suite of support services designed to simplify and optimise your IT environment. From desktop to data center, Dell ProSupport addresses everyday and unique IT challenges through options such as same-day, next-business-day and mission-critical response services, asset and data protection, specialised on-site services, proactive maintenance and parts management, and remote advisory services — backed by global command centers and expert centers around the world.
Dell Business SolutionsMake the most of your technology with innovative and progressive software solutions available from Dell, a single source for complete end-to-end IT needs.
Embedded ManagementWith the introduction of the latest PowerEdge servers, Dell now offers Embedded Management. Embedded Management houses the tools and enablement pieces directly on the server, allowing administrators to perform a complete set of provisioning functions such as operating system deployment, system updates, hardware configuration and diagnostics from a single intuitive interface. This can eliminate the need to use and maintain multiple pieces of disparate media. Embedded Management is designed to deliver zero media "Instant On" integrated manageability through a single access point for infrastructure management functions that is secure, efficient and user-friendly for IT administrators.
Integrated ManagementOpen, flexible, integrated — manage your infrastructure, not your management consoles. With the introduction of Dell Management Console powered by Altiris® from Symantec™, Dell is doing for systems management what we did for computer hardware, taking a complex, proprietary industry technology and transforming it by delivering a simple, streamlined, modular solution best adapted to your specific management needs.
Optimize for Microsoft SQL Server 2005Dell can provide a complete, integrated and supported solution for SQL Server 2005. Solutions include servers, storage, operating systems and systems management, all geared toward delivering the performance, manageability and value required in a database environment.
Simplifying High Performance ComputingDell has an innovative approach to high-performance computing (HPC): To reduce time to science, we test and validate HPC solution stacks that integrate and optimize Dell PowerEdge servers and best-in-class technologies from our HPC partners. This process has radically changed the way HPC technology is delivered, managed and scaled. It ensures simplified HPC environments from data center assessment to HPC design, deployment and operation. As simplification helps change the economics of HPC, time, money and people can be more effectively deployed to meet your mission objectives.
Virtualization SolutionsDell and VMware have collaborated to test and certify VMware® Infrastructure 3 virtualization software on Dell PowerEdge server and Dell/EMC storage products to provide a comprehensive virtualization solution. Built with leading technologies, the PowerEdge R900 delivers the performance required to efficiently host multiple virtualized workloads.