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Microsoft's Belfiore sees glass half full with sequential drop in Windows Phone sales
But Belfiore's tweet doesn't even mention what is really bothering the analysts, which is that on a quarter to quarter basis, Windows Phone sales were declining. In other words, while the fourth quarter of 2013 looked good in comparison with the same quarter in 2012, activations actually declined when compared to the third quarter of 2013. And when you're looking for momentum, you expect to see solid gains sequentially.
Nokia's Lumia sales declined from 8.8 million in Q3 to 8.2 million in Q4. While Windows Phone continues to show improvement from the previous year, that momentum could be slowing based on Nokia's numbers and that would indeed be surprising.
Microsoft's Joe Belfiore thinks that the glass is half full
source: @joebelfiore via WMPoweruser
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44 Comments
1. darkkjedii (Posts: 12643; Member since: 05 Feb 2011)
As I've often said, Apple and Samsung rule the smartphone sector. The rest simply fill in the pie. I'd love a slice of Samsung with my Apple pie.
3. Miracles (Posts: 560; Member since: 31 Aug 2013)
If only they could work together...instead of suing each other. Well technically aren't their Samsung chips inside iPhones.
5. Berzerk000 (Posts: 4109; Member since: 26 Jun 2011)
Samsung SoCs, displays (I think), and memory are all in iPhones and iPads.
28. sprockkets (Posts: 1362; Member since: 16 Jan 2012)
Samsung fabs the SoC - it isn't Samsung designed.
7. Berzerk000 (Posts: 4109; Member since: 26 Jun 2011)
Pick up a Moto X sometime, Dark. Hands down the most innovative smartphone of 2013.
10. xperiaDROID (banned) (Posts: 5629; Member since: 08 Mar 2013)
The Moto X is the smartphone designed and made for everyone.
23. AfterShock (Posts: 2983; Member since: 02 Nov 2012)
I agree, the people's phone.
15. darkkjedii (Posts: 12643; Member since: 05 Feb 2011)
Berzerk you're right, it's a great phone. My point is, Samsung and Apple are the movers, and shakers of mobile tech. These other handset makers just don't have the impact of those 2.
21. Berzerk000 (Posts: 4109; Member since: 26 Jun 2011)
Not like they used to be, sadly. Samsung right now has just made natural progression that would have been expected, the same for Apple, aside from iOS 7. They aren't like how they used to be, where you had to have their product or it was just sub-par. They are getting more sales than everyone, but they aren't shaking anything up at this point.
33. darkkjedii (Posts: 12643; Member since: 05 Feb 2011)
Good point.
40. verty (Posts: 114; Member since: 07 May 2012)
I don't think it's always about shaking things up. Progress is not always in quantum leaps. It's usually in baby steps and nothin remains the same forever so why expect it to.
Google is definetly outinnovating the pack.Samsung is definitely not at ease equally innovating......ios is another story... gradually waking up. Ios 7 and the rumored larger screens coming. Personally I found windows too boring. I have a good feeling about Chen reviving BB.......at the end of the day the industry is definitely not sedentary.
30. corporateJP (Posts: 1844; Member since: 28 Nov 2009)
Nice phone, but lack of removable memory and battery killed it for myself and quite a few others.
43. ECPirate37 (Posts: 92; Member since: 14 Jul 2011)
This is great to read @Berzerk000 because I'm planning on buying one tomorrow when it is $100 off. I wasn't going to buy it because of my rule to not buy phones that do not have removable batteries or expanded memory; I think for $299 it is a fair price. $399 just seemed to much. Plus, I will enjoy having a phone I designed myself. I think that is rad.
What did you think made it so innovative?
44. Berzerk000 (Posts: 4109; Member since: 26 Jun 2011)
Sounds good, man. I'm sure you'll be satisfied with it.
It was a lot of things that made the Moto X innovative.
The design; how it's curved so ergonomically to where it fits nicely into your hand, and how they managed to fit such a large screen into a small space.
The performance; it technically does have lesser specs than all of the other Android flagships, but it performs just as well, if not better than most. With 2 Krait 300 cores and Adreno 320 pushing nearly stock Android on a 720p display, it's a speed demon. Plus the 2 extra power saving cores that make it possible to have always on features while still having above average battery life, the performance is just stellar all around.
The features; Motorola Assist has great contextual features that automatically manages your phones setting in certain situations, like when you're driving, at certain places, or sleeping. Touchless Controls are just amazing, being able to do phone functions from across the room is great. Motorola Migrate, more easily lets you move from your old phone to the Moto X by transferring your data without any hassle for you. Active Display is a neat way to view you notifications and the time without turning on the display and activating your primary CPU cores, saving battery life. All of that and more is done in almost stock Android. And the ability to customize the Moto X really made it personal to the user, and is a truly unique feature.
Lastly, the support. The Moto X has gotten updates through carriers faster than some unlocked Nexus devices. That's insane. And with Google standing over them, Motorola is going to support the Moto X for a while.
45. ECPirate37 (Posts: 92; Member since: 14 Jul 2011)
Thanks for this! It was very thorough. I ordered mine yesterday during the $100 off thing. I feel like even if I don't love it, I can just buy another phone when the new round of phones come out, and I will do it on contract and only pay a couple of hundred dollars. I REALLY liked the customization of it. Back when pagers were a thing, I used to mix and match cases all of the time, so it was nice to be able to design a phone.
I'll try to remember to follow up on this post to let you know how I like it after I've had it for a month or so. It comes Friday.
Thanks again!
16. fanboy1974 (Posts: 1291; Member since: 12 Nov 2011)
I like to say Apple vs. Android. And that's coming from a Note 3 owner. I don't believe in supporting just one Android OEM. Motorola is trying to make a comeback and I would love to see a Motorola phablet. HTC and LG showed some life in 2013 as well. Android will be the strongest when you have multiple choices to pick from.
25. Droid_X_Doug (Posts: 5954; Member since: 22 Dec 2010)
Anyone wondering if the sales decline reflects consumers voting with their feet regarding the MS acquisition of Nokia?
31. corporateJP (Posts: 1844; Member since: 28 Nov 2009)
For people in the know, possibly. For Joe and Jane Public, not so much.
35. mayur007 (Posts: 472; Member since: 10 Apr 2012)
ya your right
and true innovator with trend starter n innovator i can add Sony but not windows n nokia
windows does not even have smart dialing my 2000 rs Samsung phone has
as far as windows is concerned its feature os who is a smartphone wanna be.
2. zuckerboy (banned) (Posts: 898; Member since: 22 Dec 2011)
it doubled bcuz of nokia's good devices and nokia's apps.. wp would have been nothing without nokia
17. akki20892 (Posts: 3653; Member since: 04 Feb 2013)
Yeah yeah yeah......agree.
32. corporateJP (Posts: 1844; Member since: 28 Nov 2009)
True story.
6. papss (unregistered)
Joe is my personal CEO pick. I find all the hate for M$ amusing at best. At least M$ is being talked about unlike LG,Sony,BB which indicates worth.
9. WHoyton1 (Posts: 1635; Member since: 21 Feb 2013)
so sales taking a dive indicate worth....right
36. SleepingOz (unregistered)
Like Belfiore, he's trying to see the glass half full, well "half". One of his friend just told me the same crap, that he likes when there's bad news like this one, because haters are talking about it. That's blind WP fanboys' optimism, I guess. Since 2010!
MS don't want talks, they want money!
39. Berzerk000 (Posts: 4109; Member since: 26 Jun 2011)
I think the glass is twice as big as it needs to be. Nobody should expect a full glass out of WP, it won't happen any time soon.
42. Dastrix (Posts: 620; Member since: 23 Nov 2012)
"MS don't want talks, they want money!"
M$ makes more money off Android than HTC, Sony and others. Just saying. Still see the glass half empty? No wonder people like you fail miserably.
26. Droid_X_Doug (Posts: 5954; Member since: 22 Dec 2010)
Talk is the only thing that is free at a trade show. Financial markets only care about what you are showing in sales gains. BB sales have tanked, which is why BB shares are worth a fraction of their high. Fortunately for MS, they are earning more on their patent licenses than they are on their WP sales.
8. k1ng617 (Posts: 264; Member since: 13 Oct 2009)
WP needs a few more manufactures to jump into the fray. Microsoft can't expect solely Nokia to entice enough people with the same phones quarter after quarter. Just compare how many android devices are released every quarter compared to wp. I bet it's over 20 to 1. There's something for everyone in android.
11. Commentator (Posts: 2495; Member since: 16 Aug 2011)
That WP license fee is a pretty tough pill to swallow for most manufacturers, especially when they're barely eking out profits with Android.
13. InspectorGadget80 (Posts: 6736; Member since: 26 Mar 2011)
What MS needs to do change up the UI and like u said get more manufacturers for Windows to get more apps. At least Sony may give Windows another try.
12. Sniggly (Posts: 7182; Member since: 05 Dec 2009)
Wait a minute, wait a minute. Sales of Windows Phones DROPPED during the holiday season compared to the previous quarter?
Yeah, I would be worried as an analyst too.
14. fireblade (Posts: 714; Member since: 27 Dec 2013)
WP is boring.
19. tenzin (Posts: 92; Member since: 20 Dec 2013)
I bought wp once and never buy any new one again. everything is better iPhone blackberry android...
37. SleepingOz (unregistered)
You should had try it before wasting your money on this crap.
20. Diazene (Posts: 129; Member since: 01 May 2013)
maybe because of seasonal weakness for WP? I don't know, if every 4th quarter is worse that the 3rd quater, then that would be OK
22. joey_sfb (Posts: 3245; Member since: 29 Mar 2012)
Microsoft is a control freak, its like the poorer cousin of iOS.
27. rangaha (banned) (Posts: 86; Member since: 05 Dec 2013)
wp damage control
38. jroc74 (Posts: 5192; Member since: 30 Dec 2010)
Maybe this explains why even tho BB is constantly falling...WP seems to never really separate from them in market share.
Seems like its Android, iOS and the rest....


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Not everyone will survive. An ancient alien race, known only as "Reapers", has launched an all-out invasion leaving nothing but a trail of destruction in their wake. Earth has been taken, the galaxy is on the verge of total annihilation, and you are the only one who can stop them. The price of failure is extinction. You are Commander Shepard, a character that you can forge in your own image. You determine how events will play out, which planets to explore, and whom to form alliances with as you rally a force to eliminate the Reaper threat once and for all. How you wage this war is completely up to you: go into combat with guns blazing or use cover to plan a more tactical assault. Utilize your squad to full effect or take a lone wolf approach. Rain death from a distance or go toe–to-toe with enemies using devastating melee attacks. Mass Effect 3 will react to each decision you make as you play through a truly unique experience of your own creation.


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My school are currently going the opposite way.
We have been a staunch RM all-in-one buyer for years, most of our desktops are the older non wide screen RMones. They are very secure I admit. The hard glass screens are nearly indestructable. However its still very possible for students to tug USB cables out of the back, though if you wrap them up inside along with the power cable it makes it much harder to tug out. (Though with a very determined student they could cause more problems then prevent)
Customer service is reasonable and next day warranty service is pretty awesome with freindly engineers around here.
However, we have been moving to Dell recently for cost reasons. It cost us about 800 to buy in an all in one, whereas a standard desktop unit was about £400 and thats for the same spec. We currently have 2 dell suites, which are reasonably managable when it comes to mouse/keyboard replacement. We put the dells in rooms that specifically dont get hammered or are under constant watch.
PS: Replacing and installing VGA cables and Optical drives are a BIG pain, expect an opticial drive installation to take at LEAST half an hour.


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Accuracy getting the boot in NFL this season
Accuracy getting the boot in NFL this season
By Mark Kaboly, Daily News Sports Editor
Wednesday, December 16, 2009
The NFL has done everything it can to make the life of a kicker more and more difficult with very little results.
Nearly a decade ago, the NFL introduced the "K-Ball" after the competition committee decided teams were abusing the privilege of conditioning balls to extend length off the leg.
Kickers quickly adjusted and went about their business. Until now.
Higher and farther hasn't been a problem with kickers this year. Accuracy has, however, especially when it comes to the shorter attempts.
Accuracy on field goals from 30-39 yards has dropped significantly, down 6 percent from two years ago and 5 percent from last year.
As a result, kickers have been earning and losing jobs at an alarming rate.
Washington cut kicker Shaun Suisham after he missed a 23-yarder that could've iced a win over unbeaten New Orleans two weeks ago. The Saints rallied to win it in overtime. The Redskins promptly cut the most accurate kicker in franchise history.
Same thing happened in Atlanta. Veteran Jason Elam was released after making only 8 of 15 kicks of 30 yards or longer, including 4 of 8 from 30-39.
Baltimore released Steve Hauschka for his inaccuracy, too; he missed four of his 13 attempts, including a would-be game winner against Minnesota.
Seattle kicker Olindo Mare missed kicks from 43 and 34 yards during a September loss to Chicago that sent head coach Jim Mora into a tizzy.
"There's no excuses for those," Mora said. "If you're a kicker in the National Football League, you should make those kicks, bottom line. End of story. Period. No excuses."
Mare was not cut, surprisingly: Mare is 21 of 23 on field goals this season.
But he has been the exception.
In 2007, kickers were hitting field goals from 30-39 yards at a record pace. They were successful on 90.7 percent of their attempts.
In 2008, it dipped slightly, down to 89.1 percent.
The number has plummeted this year. Kickers have made 194-of-230 field goals from 30-39 yards, an 84.3 percent success rate. Kicks from 30-49 yards are down 4 percent from the past two years to 78 percent.
But it just isn't the mid-range kicks, either. Kicks of 50 yards and longer are being converted at a 52 percent clip. Even 15 extra points have been missed this year.
Thankfully, short kicks between 19-29 yards have been almost guaranteed. There only has been six kicks from that distance missed.
Steelers' kicker Jeff Reed has avoided the inaccuracy bug, for the most part. After missing a pair of makeable kicks in a loss to Chicago (38 and 43 yards), he has only two other misfires a 52-yarder against Cincinnati and a 53-yarder against Oakland.
But still, his 81 percent conversion rate is second lowest ever in his career. He hit 72 percent his second year in the league.
Can't make the short one
NFL kickers have been having difficulty making kicks between 30-49 yards. Here are the numbers from the past three seasons:
30-39 yards: 194-230 (84.3 percent)
40-49 yards: 140-197 (71.0 percent)
30-49 yards: 334-427 (78.2 percent)
30-39 yards: 286-321 (89.1 percent)
40-49 yards: 225-302 (74.5 percent)
30-49 yards: 511-623 (82.0 percent)
30-39 yards: 253-279 (90.7 percent)
40-49 yards: 208-280 (74.3 percent)
30-49 yards: 461-559 (82.5 percent)
COLTS (13-0): Biggest dilemma is determining the amount of rest for their starters.
SAINTS (13-0): Coming off another close shave against an inferior opponent.
VIKINGS (11-2): Running back Adrian Peterson was focal point in throttling of Bengals.
CHARGERS (10-3): Here's a streak: Bolts have won 16 straight games in December.
PACKERS (9-4): Bring a five-game winning streak Sunday into Heinz Field.
CHIEFS (3-10): Quarterback Matt Cassel picked off four times in loss to the Bills.
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BUCCANEERS (1-12): At least their lone win is against a quality opponent (Green Bay).
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Re: Accuracy getting the boot in NFL this season
After reading the idiotic threads over the past couple of weeks, I ask the question - "Who is worse...Steeler fans or Eagles fans?" Keep in mind that Eagle fans do not know what it's like to win a SB much less 6 and 2 this decade.
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Styles P. Speaks On The Early Days On The LOX On The Combat Jack Show | News
The one and only, Yonkers native MC, Styles P., returns to the scene today but this time around he joins the Combat Jack Show for some conversation. The clip finds The Ghost sitting down with the hit Radio Show and speaking about a number of topics, and breaking into a few stories from his past.
Styles speaks on traveling around New York to battle other MC's and tells some stories about linking up with Biggie, Pac, and some of the biggest names in the game when they entered. Check out the insightful, informative clip after the jump and speak your mind below.
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Germany dismissed a rapid move toward direct bank recapitalization by the European rescue fund, limiting the tools for shoring up Spain's banks as the euro-area debt crisis simmers.
Finance Minister Wolfgang Schaeuble dismissed "false expectations" raised by euro leaders last month that the economically troubled euro zone would act quickly to unify the oversight of its banking system.
"It will take time, it's complicated, it isn't easy to do," Schaeuble told reporters before a meeting of euro finance ministers in Brussels today. "Everyone knows that the setup of European bank supervision isn't a trivial matter, but a huge job."
Germany's go-slow approach reflected mounting public opposition to bailouts in northern Europe just as southern countries such as Spain and Italy clamor for official assistance to tame an increase in borrowing costs.
A four-day slump in Spanish and Italian bonds puts euro- area governments under pressure to act, especially after the European Central Bank showed no signs of restarting its bond- buying program.
The ECB last week lowered its benchmark interest rate by 25 basis points to 0.75 percent, a record, to help bolster the region's economy and encourage lending.
'Big Bazooka'
"One should not underestimate the effect of the reduction of the interest rate," ECB council member Ewald Nowotny told reporters in Brussels. "I know that the markets were a bit disappointed. They always like the big bazooka, but I have to say the bazooka is a very dangerous instrument."
Finance ministers aim to agree on the outlines of as much as 100 billion euros ($123 billion) in loans to aid Spanish lenders and will have a first debate over the possible easing of Greece's bailout terms.
Plans to recapitalize Spain's banks, first announced on June 9, have failed to calm markets because the European loans would be channelled through a Spanish government agency and add to the recession-hit country's debt load.
While euro leaders on June 29 pledged to enable the permanent bailout fund to make capital injections directly to distressed lenders, that power won't come about until Europe creates a single bank-supervision system.
Rescue Blueprint
The European Commission, which proposes European laws, expects to "have this in place by year-end," Financial Services Commissioner Michel Barnier told a European Parliament committee today. Other officials have said the second half of 2013 is more likely.
An accord tonight on Spain's bank-rescue blueprint would make a final agreement possible on July 20, Spanish Economy Minister Luis de Guindos said. He also expected debate over a "new path of fiscal adjustment" that would give Spain an extra year, until 2014, to drive its budget deficit below the euro limit of 3 percent of gross domestic product.
Today's increase in Spanish and Italian borrowing costs relative to German levels nullified gains made in the wake of last month's summit-level commitment to intervene in bond markets "in a flexible and efficient manner."
Italian Prime Minister Mario Monti, who doubles as finance minister, came back to Brussels to press his case for steps to reduce Italy's bond yields, whether using the euro bailout fund or the ECB.
'All Ideas'
The ECB went a 17th week without settling any government bond purchases, the bank said today, keeping on hold a market- calming step used from May 2010 until February 2012 amid growing opposition from the Germans on its council.
The central bank is probing "all ideas" and "constantly studying and searching for actions that could attenuate the current crisis," ECB President Mario Draghi told today's EU parliament committee hearing.
The central bank won't act until Europe is "in suicide mode -- at that moment they will do it, but they will wait so long that a lot of damage has been done," Paul De Grauwe, a professor at the London School of Economics, told Tom Keene on Bloomberg Television's "Bloomberg Surveillance."
Tonight's meeting is the first opportunity for Greece's new government to test creditor countries' appetite to ease its bailout conditions when Finance Minister Yannis Stournaras lays out his economic strategy.
Greek Aid
A four-month policy-making hiatus caused by two elections has cost time and Greece can't count on the next installment of 240 billion euros in aid until it proves that its economic overhaul is back on track, a European official told reporters in Brussels on July 6.
Decisions on the next Greek disbursement aren't likely until August, the official said. The same timeline is likely for Cyprus, which filed for aid after the Greek debt restructuring hammered its banking system, the official added.
"We have to look at how realistic what we want from Greece is," Luxembourg Finance Minister Luc Frieden said today. "I think we can accommodate Greece, but Greece has to realize this isn't a one-way street."
Finance ministers ended five months of haggling by appointing Yves Mersch of Luxembourg to a vacancy on the central bank's six-person Executive Board. They also extended the tenure of another Luxembourger, Prime Minister Jean-Claude Juncker, as chairman of euro meetings, an EU official said.
To contact the reporters on this story: James G. Neuger in Brussels at email@example.com; Rainer Buergin in Brussels at email@example.com
To contact the editor responsible for this story: James Hertling at email@example.com


text:
Definitions for out-basket
This page provides all possible meanings and translations of the word out-basket
Princeton's WordNet
out-basket, out-tray(noun)
a wood or metal receptacle placed on your desk to hold your outgoing material
Find a translation for the out-basket definition in other languages:
Select another language:
Discuss these out-basket definitions with the community:
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"out-basket." Definitions.net. STANDS4 LLC, 2014. Web. 21 Dec. 2014. <http://www.definitions.net/definition/out-basket>.


text:
La Femme
Various venues
Until Thu Dec 5 2013
- Free
Time Out says
Posted: Fri Nov 23 2012
Five unbearably cool Parisians proffer incredibly catchy, lo-fi surf-pop layered with subtly sweet female vocals. Fans of Yelle and Gainsbourg's 'Bonnie and Clyde' LP, look this way. With Rory Phillips and People Are Germs DJs.
ReviewsAdd +
Users say
Rating: 0/5


text:
<ac:macro ac:name="unmigrated-inline-wiki-markup"><ac:plain-text-body><![CDATA[
<ac:macro ac:name="unmigrated-inline-wiki-markup"><ac:plain-text-body><![CDATA[
Zend_Utility_Uuid is a simple component that generates RFC 4122 compatible UUIDs.
Zend Framework: Zend_Utility_Uuid Component Proposal
Proposed Component Name
Developer Notes
Stephan Wentz
Zend Liaison
1.0 - 1 January 2008: Initial Draft. (wiki revision: 11)
Table of Contents
1. Overview
UUIDs will be Version 4 (random), but only the system clock-part is a random value.
2. References
3. Component Requirements, Constraints, and Acceptance Criteria
<ac:macro ac:name="unmigrated-inline-wiki-markup"><ac:plain-text-body><![CDATA[
Zend_Utility_Uuid is a simple component that generates RFC 4122 compatible UUIDs.
Zend_Utility_Uuid is a simple component that generates RFC 4122 compatible UUIDs.
4. Dependencies on Other Framework Components
5. Theory of Operation
The component is called statically to generate UUID strings.
6. Milestones / Tasks
- Milestone 1: [DONE] write proposal
- Milestone 2: Get community feedback
- Milestone 3: Get the proposal approved
- Milestone 4: Working prototype checked into the incubator supporting use cases #1, #2
- Milestone 5: Unit tests exist, work, and are checked into SVN.
- Milestone 6: Initial documentation exists.
7. Class Index
- Zend_Utility_Uuid
8. Use Cases
|UC-01 usage
9. Class Skeletons
Feb 03, 2010

I haven't got a clue where to put this under - Zend_Text doesn't feel right.

Just Zend_Uuid? Any ideas?

Jun 25, 2010

The implementation you propose, sound more like a type 1 UUID. I think on extremely busy sites, the chance of a clash is rather high.

Would it be an idea to be able to generate various types of UUID? There might be need for true type 1 UUID's (the time code would have to be adjusted).

Type 4 ((pseudo) random could be constucted either completely from a random generator and/or based on seed information from various sources.

Before looking at the proposal I was working on an implementation that would utilize the remote IP and host, requested host, time, local IP and port, mt_rand() and microtime() as input for either md5() or sha1(). This would leak less information and is less likely to clash. You could consider this a hybrid between type 4 and 3 or 5.

Type 3 and 5 are easy to implement. Hash an input string and replace the 12th (non-dash) character with the type.

The PECL library seems to support various types as well, although I couldn't find online documentation for it.

PS: The RFC number is 4122, not 5122. You might want to correct that.

Feb 06, 2011

Archiving this proposal, feel free to recover it when you want to work on it again. For more details see this email.


text:
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text:
A Madisonian in Paris
An artist finds a new side to the City of Light
When I first went to Paris as a graduate student in art, I had only two weeks' notice before I left. There was no time to learn the culture, the language or how anything worked. By necessity, I walked everywhere and became thoroughly familiar with Paris that way. Every street was saturated in history, art was ubiquitous and the continual sensory stimulation was a way of life. I loved it.
Since that time, I have returned to the city almost every year; guiding tours and lecturing in the art museums gave me a way. In fact, over the past twenty-one years, I have taken close to five hundred Madisonians on art tours to Paris! I knew what to expect in the City of Light, and I thought that now, after dozens of trips there, nothing in Paris could surprise me. I was wrong.
During a recent visit to Paris, my husband and I walked into a restaurant and within seconds were stunned by an artistically exhilarating experience. Startled by the scene in front of us, we took a seat and let out the breath we were holding. It seems we were engulfed in a room of "living art" that radiated energy, excitement and a sense of frozen time.
Myriad mirrored panels on either side of the room disoriented our sense of space as they reflected each other as well as dozens of unique lights, creating a pattern that played with infinity. The ceiling lights were brilliant—inverted plant-like stems of black metal hung down with delicately sculptured leaves at their sides, ending in exquisite blooms of water lily-shaped light bulbs!
Hundreds of tiny mosaic tiles danced across the entire floor in a vast, vivid pattern. On the wall near our table I noticed the signature of the famed, master glass artist L. Trézel, who invented new techniques for glass artists in the early 1900s. His lavender-colored iris and yellow flowers created in glass panels were bordered by green, vine-like, wooden frames.
Nearby, four large, white chunky candles held by curving wire tendrils dripped onto a round table that was covered with tiny mountains of melted wax. The clock above the bar was held by spirals of iron rods, while the chair backs echoed the organic shapes in the room. Upstairs, sensuous paintings of women with flowing long hair echoed the curvilinear patterns in the room.
The whole effect looked like a swirling ink drawing on top of a garden of illuminated and living green vines, and was a breathtaking example of "Art Nouveau" alive and well in Paris, France, in a restaurant called the Bouillon Racine.
I asked if I could photograph the room and was graciously granted permission plus an interview with the owner, Luc Morand. Since I am an artist and have taught college art history, I was familiar with Art Nouveau, but I had never been inside a building like this (which is now an historic landmark), and the answers he gave me were fascinating. First question: Why would a stunning Art Nouveau restaurant be called "Bouillon," or in English, "broth"?
He explained that in 1855 a butcher named Pierre-Louis Duval opened a restaurant for workers in the heart of Paris and served only one menu item—meat with broth (bouillon). The idea caught on, and within five years there were twenty "bouillon" restaurants in Paris and by 1900 there were 250. Morand told me that these were actually the first known chain of restaurants.
After Duval, two brothers, Camille and Edouard Chartier, entered the scene and opened more bouillon restaurants. A charming feature of some of these establishments was a rack with numbered cubby-hole compartments to hold the used napkins of regular customers! Some of the bouillon restaurants even included a reading room or had interesting attractions such as giant tortoises. Eventually, these restaurants served different varieties of bouillon as well as the more classic cuisine. But they still were called "bouillons."
Camille Chartier began the Bouillon Racine in 1906 and renovated it in the Art Nouveau style, with the help of architect Jean-Michel Bouvier. The outer facade, with its huge decorative windows, floral designs and name, "Grand Bouillon Camille Chartier," remains exactly the same today.
The name "Chartier" is also embedded in the mosaic pattern of the front step, along with a mysterious metal plate full of holes. I asked Morand what it was and he explained. "The answer is quite simple—there is a cellar under. The holes brought fresh air to it. The cellar was completely renovated in 1996 to adapt it to a modern kitchen and, needless to say, to different sanitary regulations than in 1906. At that time, they put concrete on the earth ground, remade the walls and … filled in the holes."
We talked about the Art Nouveau style, based heavily on nature and kicked off by the Paris Universal Exposition of 1900, and the designs of the famed architect Hector Guimard. At that time, he launched his organic-shaped iron and glass designs for the Paris Métro (subway) entrances, which you can still see today. Even the shield-like railings on the outside of some of his Métro entrances were created in painted cast-iron with the Art Nouveau signature "coup de fouet" ("whiplash" in English) curves. Reverse the words to find the meaning—the lash of a whip, suspended in time and space, thrusting its line like a curving, energy-filled promise of movement.
It wasn't long before three hundred Parisian restaurants embraced the Art Nouveau style, with various images of irises, lilies, dragonflies, fish, birds or butterflies and twining plant stems. Females with flowing, sensuous long hair were frequently depicted in paintings and were charged with symbolism. Colors remained muted with pale green the most popular. Ceramic borders, mirrors and candles added to the magical effect, along with a variety of beautiful woods like oak, walnut, pear tree, mahogany and ebony.
How did the Bouillon Racine restaurant fit into this history? Camille Chartier owned it first, but over time and two wars ownership changed and eventually from 1962 to1993 the restaurant was leased out to the Sorbonne University for use by its personnel as a sort of canteen. Needless to say, they did not appreciate the historic value and the magnificent decor was not kept up. A Belgium beer company named Palm (you can still see their sign on the outside of the building) purchased it and renovated it in 1996.
When did Luc Morand come to own it? He explained that his grandparents, father and brother had all been in the restaurant business in the Alps. Thinking the restaurant business consumed too many hours of the workday, Luc decided to go to the United States in 1994 for an MBA at the Wharton School of Business. After working in business in sales and marketing, he came back to Paris. By coincidence, a friend of his father told him about a restaurant in Paris that was for sale. Morand took it over in 2002 and hired Alexandre Bethoise as his chef. Morand intended to work in the restaurant for only six months. But he is still there, and says he really likes it. In fact, he lives right above the restaurant in the apartment once occupied by the famous French woman writer, Amantine Aurore Lucile Dupin, better known by her pseudonym, George Sand.
When asked if any famous people had eaten in the restaurant, Morand said, "Yes! Former president Chirac's wife and daughter came here to celebrate a birthday. The former prime minister Lionel Jospin and the present mayor of Paris, Bertrand Delanoë, have both dined here as well. Then there are the professors from the Sorbonne who eat here regularly since the university is close by. The restaurant also draws the senators from the nearby senate building in the Luxembourg Gardens." He went on to say that "although not famous, a very old lady who dined here was looking at the black and white photo on the wall that was taken in 1919. Suddenly she burst out in tears as she recognized the face of her grandmother!"
As we were talking about the fascinating history of the place, Morand took out a stack of black and white photocopies, enlarged from postcards from the 1900s. Each street scene showed a bouillon restaurant somewhere in Paris. There were horses and buggies, men in top hats, women in toe-length skirts, flower vendor carts and young men in "newsboy caps." The most striking image showed the Paris flood of 1910. Horses were standing in water up to their knees, while a dozen people on a makeshift wooden sidewalk on stilts gathered under a bouillon sign, somewhere in Paris.
At the end of our interview, Morand showed me some of the restaurant's menus from the 1900s. By 1924 the menu had evolved past broth to show a wide variety of food including tomato salad for one French franc, at that time around 20 U.S. cents. You could buy an omelet with parmesan, an egg with mayonnaise, ham with spinach or smoked sausage with French fries, salad or a main dish for less than a dollar. The famous bouillon cost only a few pennies!
Today, a delicious variety of food is offered. Their current menu includes "the suckling pig stuffed and spit-roasted, the duckling with bush peaches, the farm chicken blanquette, the cod with tapenade and Aix-en-Provence virgin olive oil, or the coffee from Liege, the waffle with crème brûlée with maple syrup." For our dinner there, my husband and I ordered waterzooi, a Belgium chicken stew served in an iron mini pot, with out-of-this-world-rich cream sauce. Since it was also my birthday, we indulged in a chocolate cake with a warm fudge-like center. By the way, the service was impeccable and the dining atmosphere was so warm that we came back the next night for dinner.
When we left the restaurant that night we felt invigorated visually and intellectually from the sights and stories of the Bouillon Racine. Suddenly I realized that the restaurant was only a few blocks from the Boulevard Saint Michel in the student quarter where I lived when I studied in Paris in the '80s. Why hadn't I noticed it before? Guess the Rue Racine was one block I missed when I was walking around studying Paris. Then I realized I had been on a student budget and lived mostly on sandwiches.
Adrienne Michel Sager is a professional artist (and a five-time Best of Madison "local artist" winner) who has taught college art and art history courses. Those interested in learning more about her tours and experiences in Paris may contact her at email@example.com.


text: LOMA Glossary The LOMA Glossary of Insurance and Financial Services Terms # | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z S&L. See savings and loan association.SAD. See Special Activities Database.salaried sales agent. See salaried sales representative.salaried sales representative. A company employee who is paid a salary for making insurance sales and providing sales support. Also known as a salaried sales agent.salary continuation plan. A short-term disability income insurance plan that provides 100 percent of an insured's salary, beginning on the first day of the insured's absence from work due to sickness or injury and continuing for some specified time.sale-and-leaseback transaction. A method of investing in real estate in which the owner of a building sells the real estate to an investor but immediately leases back the real estate from the investor.sales aid. Promotional material, such as a brochure or an illustration, used in conjunction with a sales presentation to help explain complex products.sales commission. See commission.sales presentation. In insurance sales, the promotional message a producer delivers to a prospect to explain the product or products recommended in a proposal, stimulate the prospect's interest in those products, and motivate the prospect to purchase the products.sales promotion. A company-sponsored program that is designed to motivate new sales activity and uses incentive programs, that are usually monetary, to encourage producers to sell an insurance product. Sales promotions are occasionally used to encourage insurance customers to purchase a product, although customer sales promotions are not monetary.sales revenue. The total dollar volume of sales, which for insurance is calculated by multiplying the sales volume by the average contract size.sales volume. The number of units of product sold.saliva test. See oral specimen test.salvage value. The residual value or selling price of an asset at the end of its useful life.SAP. See statutory accounting practices.Sarbanes-Oxley Act (SOX). A U.S. federal law that requires public companies to take specific precautions related to corporate governance, effective internal controls, and preventing and detecting fraudulent behavior on the part of management and the company's external auditors. Also known as Sarb-Ox.Sarb-Ox. See Sarbanes-Oxley Act.SAS 70. An auditing standard developed and maintained for service organizations by the American Institute of Certified Public Accountants (AICPA). Also known as Statement on Auditing Standards No. 70, Service Organizations.SAS 70 Service Auditor's Report (SAR). Under SAS 70 standards, a type of audit report that evaluates the effectiveness of internal control over financial reporting as required under SOX. See also SAS 70 and Sarbanes-Oxley Act.savings and loan association (S&L). A depository institution that principally pools the savings of people and makes residential mortgage loans. Also known as a thrift.savings bank life insurance (SBLI). In the United States, inexpensive life insurance coverage sold by authorized savings banks to people who live or work in the state in which the insurance is sold. Savings bank life insurance is permitted in three states--Massachusetts, New York, and Connecticut.savings incentive match plan for employees (SIMPLE) 401(k). In the United States, a special arrangement whereby an employer with 100 or fewer employees can establish a simplified 401(k) retirement savings plan for eligible employees (including self-employed individuals) that functions in much the same way as a regular 401(k) plan--both the employer and the employee can make contributions to the plan up to a specified maximum. Employer contributions are deductible from the employer's current taxable income, employee contributions are on a pre-tax basis, and all earned income accumulates on a tax-deferred basis. Withdrawals are taxable as income.savings incentive match plan for employees (SIMPLE) IRA. In the United States, a written salary reduction agreement between an employer with 100 or fewer employees and its employees that allows eligible employees (including self-employed individuals) to choose to reduce compensation by a certain percentage each pay period and have the employer contribute the amount of the salary reduction to a SIMPLE IRA on the employee's behalf. The employer must also make either matching contributions or nonelective contributions. All contributions must be fully vested in the employee. Employer contributions are deductible from the employer's current taxable income, employee contributions are on a pre-tax basis, and all earned income accumulates on a tax-deferred basis. Withdrawals are taxable as income.savings plan. A retirement plan to which a plan sponsor may make contributions on behalf of a plan participant if the participant makes contributions to the plan.SBLI. See savings bank life insurance.SBU. See strategic business unit.schedule. A part of the reinsurance treaty that addresses variable elements of the agreement, such as the plans covered, retention limits, binding limits, reinsurance premium rates, and allowances. Also known as an exhibit or a condition.schedule of benefits. (1) Under a group insurance plan, a table that specifies the amount of coverage provided for each class of insureds. (2) For medical expense claim purposes, a listing of medical treatments and the maximum benefit amounts an insurer will pay for each treatment.scheduled net debt. For purposes of determining the benefit payable under a consumer credit insurance policy, the lump-sum amount needed to pay off the debt on a given date according to the credit agreement's repayment schedule.screening. In the product development process, a weeding out process designed to evaluate new product ideas quickly and inexpensively in order to select those ideas that warrant further investigation.seasoning requirement. In the United States, a licensing requirement that many states impose on foreign and alien insurers, which are eligible to receive a certificate of authority only if they have been actively engaged in the business of insurance for a specified time—usually years. See also alien corporation and foreign corporation.SEC. See Securities and Exchange Commission.second insured rider. A supplemental life insurance policy benefit that provides term insurance coverage on the life of a person other than the policy's insured. Also known as an optional insured rider, other insured rider, and additional insured rider.second mortgage. A mortgage loan secured by the borrower's equity in real estate that is already collateral for a first mortgage. See also first mortgage.secondary beneficiary. See contingent beneficiary.second-to-die life insurance. See last survivor life insurance.Section 1035 Exchange. In the United States, a tax-free exchange of one life insurance policy or annuity contract for another policy or contract covering the same person that is performed in accordance with Section 1035 of the Internal Revenue Code.secured bond. A bond in which the issuer pledges something of value—collateral—to guarantee the safety of the bondholder's investment. Contrast with debenture.Securities and Exchange Commission (SEC). In the United States, a federal government agency that regulates the investment industry.securities broker. An individual, corporation, or other legal entity that is engaged in the business of buying and selling securities for the accounts of others.securities dealer. An individual, corporation, or other legal entity that is engaged in the business of buying and selling securities for its own account.securities exchange. See stock exchange.security. A financial asset that represents either (1) an obligation of indebtedness owed by a business, a government, or an agency, which is known as a debt security or (2) an ownership interest, which is known as an equity security.segmentation method. The approach an insurer uses for dividing a general account into portfolio segments to support more effective management of the relationship between specific assets and associated liabilities. Also known as portfolio segmentation method.segregated account. See separate account.segregated fund. See separate account.segregation of duties. An internal control that requires an employer to design jobs so that job tasks will not place an employee in a position to conceal errors or irregularities in the normal course of his or her employment. Also known as dual control.select and ultimate mortality table. A type of mortality table that combines coordinated sets of select mortality rates and ultimate mortality rates. See also select mortality table and ultimate mortality table.select mortality table. A type of mortality table that shows the expected mortality rates of people who have recently been underwritten for insurance policies. See also select and ultimate mortality table. Contrast with ultimate mortality table.selection against the insurer. See antiselection.selection of risk. See underwriting.self administration. A method of reinsurance record administration in which the direct writer maintains detailed records for each ceded policy and sends the reinsurer periodic reports describing the individual risks ceded and reinsurance premiums due for each policy.self-administered group plan. A group insurance plan for which the group policyholder is responsible for handling the administrative and recordkeeping aspects of the plan. Contrast with insurer-administered group plan.self-insurance. A risk-management technique by which a person or business accepts financial responsibility for losses associated with specific risks.self-insured group plan. A plan for which the group sponsor rather than an insurance company is financially responsible for the claims incurred by group members.self-insured retention limit. In reinsurance, a stated maximum monetary amount of risk that a self-insured entity will carry at its own risk.self-regulatory organization (SRO). A nongovernmental organization that exercises regulatory authority over an industry or profession.SEP plan. See simplified employee pension plan.separate account. Traditionally, an asset account designated for supporting an insurance company's financial products for which the performance is linked to investment results. The customer, not the company, directly bears the investment risk for assets held in these accounts. Also known as a segregated fund, segregated account, unit trust, and unit-linked portfolio. Contrast with general account.service fee. Compensation paid to an insurance sales producer equal to a small percentage of the premiums payable after the renewal commissions have ceased. See administrative charge.service recovery. The efforts an organization makes to fully resolve the problem that caused a customer's dissatisfaction and win back the customer's goodwill.setback method. A method of modifying tabular mortality rates that consists of showing future decreases in mortality for people of a given age by using the tabular mortality rate for a younger age. See also projection method.settlement agreement. A contractual agreement between a life insurance policyowner and an insurer governing the rights and obligations of the parties after the death of the insured. See also supplementary contract.settlement options. Choices given to the owner or beneficiary of a life insurance policy regarding the method by which the insurer will pay the policy's proceeds when the policyowner does not receive the benefits in one single payment. Typically, the owner can elect to (1) have the proceeds paid into an interest-bearing account, (2) have the proceeds paid in a series of installments for a pre-selected period, (3) have the proceeds paid in a pre-selected amount in a series of installments for as long as the proceeds last, or (4) have the insurer tie payment of the proceeds to the life expectancy of a named individual through a life annuity. The term "settlement options" is more frequently associated with life insurance policies, while the term "payout options" is more frequently associated with annuities. Also known as optional modes of settlement.sex-distinct mortality table. A type of mortality table that shows different mortality rates for males and females. Also known as a gender-based mortality table. Contrast with a unisex mortality table.share. A unit of ownership of a stock corporation. Also known as a share of stock.share of stock. See share.shareholder. See stockholder.Shopper's Guide to Long-Term Care Insurance. In the United States, a National Association of Insurance Commissioners publication designed to provide consumers with information about the long-term care insurance coverages that are available and to help consumers make informed purchase decisions.short-term assets. See current assets.short-term group disability income coverage. Group disability income coverage that provides a maximum benefit period of one year or less; such coverage commonly specifies a maximum benefit period of 13, 26, or 39 weeks. Contrast with long-term group disability income coverage.short-term individual disability income coverage. A type of disability income coverage that provides an individual with disability income benefits for a maximum benefit period of from one to five years. Contrast with long-term individual disability income coverage.short-term liabilities. See current liabilities.SIFI. See systemically important financial institution.SIMPLE 401(k). See savings incentive match plan for employees 401(k).simple interest. Interest that is earned on the original principal amount of money only. Contrast with compound interest.SIMPLE IRA. See savings incentive match plan for employees IRA.simplified employee pension (SEP) plan. In the United States, a qualified employer-sponsored pension plan whereby an employer establishes and makes contributions into an individual retirement account or individual retirement annuity for each participating employee; however, the employee owns the account. Self-employed people also may establish a SEP plan.simultaneous death act. A state statute which provides that if an insured and beneficiary die at the same time or under circumstances that make it impossible to determine which of them died first, the insured is deemed to have survived the beneficiary, and policy proceeds are payable as though the insured outlived the beneficiary, unless the policy provides otherwise.single life annuity. See straight life annuity.single-employer group. A group made up of the employees of one company.single-premium annuity. An annuity that is purchased by the payment of a single, lump-sum amount.single-premium deferred annuity (SPDA) contract. A deferred annuity that is purchased with a lump-sum premium payment and provides periodic income payments that begin more than one annuity period after the annuity is purchased.single-premium immediate annuity (SPIA) contract. An immediate annuity that is purchased with a lump-sum premium payment and provides periodic income payments that begin one annuity period after the annuity is purchased.single-premium whole life insurance policy. A type of limited-payment whole life policy that requires only one premium payment.SIU. See special investigative unit.small employer. In the United States for purposes of the Health Insurance Portability and Accountability Act (HIPAA), an employer that has at least 2 but no more than 50 employees.social insurance program. An insurance plan that is established by law and administered by a government and that provides assistance to specified groups of the population, such as the elderly, disabled, and unemployed.Social Security. In the United States, a federal social insurance program that provides specified benefits, including a monthly retirement income benefit, to people who have contributed to the plan during their income-earning years. The program also provides a benefit to qualified disabled individuals, as well as to the widows, widowers, and surviving dependent children of qualified deceased workers.Social Security Act. See Old Age, Survivors, Disability and Health Insurance (OASDHI) Act.Social Security Disability Income (SSDI). In the United States, a federal social insurance program that provides disability income benefits to U.S. workers who become disabled as a result of nonwork-related accidents or illnesses, who are under age 65, and who have paid a specified amount of Social Security tax for a prescribed number of quarter-year periods.SOH. Statement of health. See nonmedical supplement.sole proprietorship. A business that is owned and operated by one person.solvency. (1) A company's ability to meet its financial obligations on time. (2) For an insurer, the ability to maintain capital and surplus above the minimum standard of capital and surplus required by law. Also known as statutory solvency.Solvency II. In Europe, insurance solvency legislation that is designed to regulate insurance company solvency in the public interest and to facilitate the development of a single market in insurance services among European Union member nations.solvency law. Any law designed to ensure that insurance companies are financially able to meet their debts and to pay policy benefits when they come due.SOX. See Sarbanes-Oxley Act.SPDA contract. See single-premium deferred annuity contract.Special Activities Database (SAD). In the United States, a database that is maintained by the National Association of Insurance Commissioners and that enables state insurance regulators to exchange information about companies and individuals who (1) have been the subject of an insurance department investigation, (2) have been charged with violations, or (3) are suspected of engaging in unlawful activities.special class. See substandard risk class.special investigative unit (SIU). Within an insurance company, a group of individuals--often composed of representatives of the claim, legal, and internal audit functions as well as independent investigators--that is responsible for detecting, investigating, and resolving claims, particularly those involving insurance fraud.special surplus. For insurers in the United States, the part of an insurer's surplus that the insurer's board of directors has set aside (1) to meet unforeseen contingencies or (2) to pay for certain extraordinary expenses. Also known as special surplus funds, assigned surplus, appropriated surplus, earmarked surplus, and contingency reserves.special surplus funds. See special surplus.special termination. A provision in a reinsurance agreement that allows a direct writer to completely withdraw from a reinsurance agreement if the reinsurer experiences a specified business event—such as the loss of its insurance license, a significant rating agency downgrade, or the loss of a significant proportion of its capital and surplus.specialized medical questionnaire. A document sometimes used during individual underwriting that requests detailed information on a specific illness or condition from a proposed insured's attending physician or from a physician who examines the proposed insured at the request of the insurance company.specific deductible. See deductible.specific stop-loss coverage. See individual stop-loss coverage.speculation. The unethical purchase of insurance to make a profit on the proceeds rather than to protect against the risk of financial loss.speculative risk. A risk that involves three possible outcomes: loss, gain, or no change.spendthrift trust clause. A provision that may be included in a life insurance policy or settlement agreement to protect the policy proceeds from being seized by the beneficiary's creditors.SPIA contract. See single-premium immediate annuity contract.split-dollar life insurance plan. An arrangement between the owner of a life insurance contract and a non-owner of the contract under which either party to the arrangement pays all or part of the premiums, and one of the parties paying the premiums is entitled to recover (either conditionally or unconditionally) all or any portion of those premiums and such recovery is to be made from, or is secured by, the proceeds of the contract.spouse and children's insurance rider. A supplemental life insurance policy benefit offered by some insurers that provides term life insurance coverage on the insured's spouse and children. Also known as a family insurance rider.spread compression. The narrowing of an insurer's interest spread.spread expansion. A phenomenon consisting of a widening of an insurer's spread that occurs when market interest rates fall and the insurer reduces crediting rates to the new market level while it continues to earn a higher overall rate of return on investments.spread-loss coverage. A nonproportional reinsurance arrangement—similar to a loan—between a direct writer and a reinsurer in which the reinsurer agrees to pay the direct writer if the direct writer's total claims for a specified block of business in a stated period exceed a specified monetary amount. In return, the direct writer is required to repay the reinsurer's funds over time with interest payable according to specified terms, thus "spreading the loss."SRO. See self-regulatory organization.SSDI. See Social Security Disability Income.stakeholder. Any party that has an interest in how a company conducts its business.standard class. See standard risk class.Standard Nonforfeiture Law for Individual Deferred Annuities. A model law developed by the National Association of Insurance Commissioners that requires individual fixed deferred annuities to provide a minimum nonforfeiture benefit if the contract owner surrenders the contract before income payments begin.Standard Nonforfeiture Law for Life Insurance. A National Association of Insurance Commissioners model law that requires most individual life insurance policies to provide specified minimum nonforfeiture values.standard premium rate. A premium rate charged insureds who are classified as standard risks.standard risk class. In insurance underwriting, the group of proposed insureds who represent average risk within the context of the insurer's underwriting practices and therefore pay average premiums in relation to others of similar insurability. Also known as a standard class. Contrast with declined risk class, preferred risk class, and substandard risk class.Standard Valuation Law. A National Association of Insurance Commissioners' model law that imposes minimum requirements on the size of insurance and annuity reserves and establishes guidelines insurers must follow when calculating their reserves.state code. In the United States, all of the statutes of a given state, which are compiled, organized into some systematic form, and published in a series of books. See also state insurance code.state insurance code. The portion of a state code that is devoted to regulating the insurance industry within the applicable state.state insurance department. In the United States, the administrative agency in each state that is responsible for making sure that companies operating in the state comply with applicable regulatory requirements.state of domicile. In the United States, the state in which a company is incorporated and has its principal legal residence. Also known as the domiciliary state.stated interest rate. See nominal interest rate.statement of cash flows. See cash flow statement.statement of financial condition. See balance sheet.statement of health (SOH). See nonmedical supplement.statement of operations. See income statement.statement of owners' equity. A financial statement that provides information about changes that occurred in owners' equity between two sequential balance sheets.Statement on Auditing Standards (SAS) No 70, Service Organizations. See SAS 70.static budget. A type of budget that is generally not subject to change unless management has approved the changes. Also known as a fixed budget or a fixed-amount budget. Contrast with a flexible budget.static mortality table. A type of mortality table that has not been adjusted to provide for future changes in mortality. Contrast with mortality table with projection.statistical phase of IRIS. The initial phase of the Insurance Regulatory Information System used in the United States to monitor the financial condition of insurers during which regulators compare the financial ratios reported in an insurer's Annual Statement with a set of 12 standard ratios as a way to test a company's solvency and profitability and its financial stability. Any unusual results require an analytical analysis of the company. See also analytical phase of IRIS.statutory accounting practices (SAP). Guidelines that all insurers in the United States must follow when preparing the Annual Statement and specified other financial reports that are submitted to state regulators. Also known as statutory accounting principles.statutory accounting principles. See statutory accounting practices.statutory reserve. See contractual reserve.statutory solvency. See solvency definition 2.steering control. An organizational control that is established before a business process is begun and describes how a company intends to implement the process. Also known as a feedforward control. Contrast with concurrent control and feedback control.stock. A type of security that represents an ownership interest in a company. See also common stock and preferred stock.stock bonus plan. A retirement plan that is funded primarily by employer contributions and that provides benefits in the form of shares of company stock rather than cash.stock corporation. A corporation whose ownership is divided into units known as shares or shares of stock.stock dividend. See stockholder dividend.stock exchange. An organized marketplace where specific types of securities, such as common stock and bonds, are bought and sold by members of the exchange. Also known as a securities exchange.stock insurance company. An insurance company that is owned by the people and organizations that own shares of the company's stock. Contrast with mutual insurance company.stock redemption insurance. See stock repurchase insurance.stock repurchase insurance. A type of business insurance coverage that provides the remaining stockholders of a company with money to buy the stock of a deceased partner. Also known as stock redemption insurance.stockholder. A person or organization that owns shares of stock in a corporation. Also known as a shareholder.stockholder dividend. A portion of a corporation's earnings paid to the owners of the company's stock. Also known as a stock dividend. Contrast with policy dividend.stop-loss insurance. Insurance purchased by an employer that self-insures a group health insurance plan which enables the employer to place a maximum dollar limit on its liability for paying health insurance claims.stop-loss provision. See maximum out-of-pocket provision.stop-loss ratio reinsurance. See stop-loss reinsurance.stop-loss reinsurance. A type of nonproportional reinsurance in which the reinsurer agrees to pay for a portion of total claims on a block of business in an amount between stated lower and upper limits for a specified operating period. Also known as stop-loss ratio reinsurance or excess-of-loss ratio reinsurance.STP. See straight-through processing.straight life annuity. A type of life annuity that provides periodic income payments for only as long as the annuitant lives and provides no benefit payments after the annuitant's death. Also known as a life only annuity and a single life annuity.straight life insurance policy. See continuous-premium whole life policy.straight-through processing (STP). A fully automated application of technology in which all steps in a specified type of transaction process can be conducted without a need for human intervention, subject to legal and regulatory restrictions. Insurers sometimes use STP for underwriting and claim processing.strategic business unit (SBU). An organizational unit of a company that acts like an independent business in that it (1) generates its own identifiable profits, (2) has its own set of customers and competitors, (3) has its own independent management, (4) has its own budget, and (5) has its own set of strategic goals and strategies.strategic planning. The process of determining an organization's major long-term corporate goals and the broad, overall courses of action or strategies that the company will follow to achieve these goals.strategy. In business, a comprehensive plan for future action directed toward achieving various goals, including making the corporate vision a reality.structured settlement annuity. An immediate annuity issued to a person who is entitled to receive a specified sum of money from a third party; the terms of the annuity contract are structured to carry out the terms of the agreement between the annuitant and the third party.subaccount. An investment fund within an insurance company separate account. Also known as a fund option or a unit-linked fund. See also separate account and segregated account.subrogation. A legal right that permits an insurer to recover payments made to an insured when the insured received payment for the claim through a separate legal action.subscription. See quota share.subsidiary. A company that is owned or controlled by another company known as a holding company.substandard class. See substandard risk class.substandard premium rate. A higher-than-standard premium rate charged insureds who are classified as substandard risks.substandard risk class. In the underwriting of life insurance, a group of proposed insureds whose anticipated mortality rates are higher than average, but who are still considered to be insurable. Also known as a special class, a substandard class, or an impaired risk class. Contrast with declined risk class, preferred risk class, and standard risk class.succession beneficiary clause. See preference beneficiary clause.successor beneficiary. See contingent beneficiary.successor payee. See contingent payee.suicide exclusion provision. A life insurance policy provision that typically states that if the insured dies as a result of suicide within a certain period—usually one or two years from the date the policy was issued, the insurance company does not have to pay the policy proceeds.suitability. In insurance sales, the process of determining whether a particular insurance or annuity product is an appropriate purchase for an applicant based on the applicant's needs and financial condition. Some states in the United States have a regulatory requirement that places a duty on agents and/or insurers to have a reasonable method of deciding that a specific financial services product is suited to a customer's needs.suitability requirement. A regulatory requirement that imposes a duty on insurers and/or insurance producers to have reasonable grounds on which to decide that a specific product is suitable for a customer's needs.Suitability Rule (Conduct Rule 2310). In the United States, a Financial Industry Regulatory Authority conduct rule that requires registered persons to have reasonable grounds for recommending investment products to customers based on the customers' financial situation, tax status, and investment objectives.summary plan description. For employee benefit plans, a written document that is understandable by the average plan participant and that reasonably informs participants and beneficiaries about their rights and obligations under the plan. In the United States, the Employee Retirement Income Security Act (ERISA) requires employers that sponsor employee benefit plans to provide employees with a summary plan description.superintendent of insurance. See insurance commissioner.Supervisory Rule (Conduct Rule 3010). In the United States. a Financial Industry Regulatory Authority (FINRA) conduct rule that requires broker-dealers registered with the Securities and Exchange Commission and FINRA as principals to establish and maintain a supervisory system and written supervisory procedures to oversee the activities of each registered person that acts on behalf of the principal.supplemental benefit. A benefit or additional coverage added to the coverage specified in a basic insurance policy.supplemental illustration. A life insurance policy illustration that is provided along with a basic illustration and that presents the information in a different format than that used in the basic illustration.supplemental major medical policy. An insurance policy issued in conjunction with an underlying basic medical expense insurance policy to provide benefits for expenses that exceed the benefit levels of the underlying basic plan and, often, for expenses that are not covered by the underlying plan.supplementary contract. A settlement agreement between an insurer and a life insurance policy beneficiary entered into after the insured's death by means of which the beneficiary selects a settlement option.surplus. The cumulative amount of money that remains in an insurance company over time and is calculated as the insurer's assets minus its liabilities and its capital. Compare to retained earnings.surplus relief. A decrease in potential surplus strain that strengthens an insurer's financial position. Contrast with surplus strain.surplus strain. The decrease in an insurer's surplus caused by the high first-year costs and the reserving requirements associated with new products. Also known as new business strain. Contrast with surplus relief.surrender. A transaction in which the owner of a cash value life insurance contract or deferred annuity contract elects to terminate the contract prior to its maturity and receive the cash surrender value or the accumulation value.surrender benefit. See cash surrender value.surrender charge. (1) A specific charge imposed if the owner of a cash value life insurance policy surrenders the policy for its cash surrender value. (2) A fee typically imposed if a deferred annuity contract is surrendered within a stated number of years after it was purchased.surrender rate. For a block of insurance or annuity contracts, the ratio of the number of contracts surrendered during a contract year to the total number of contracts in force at the beginning of the year.surrender value. See cash surrender value.survivor benefit. See death benefit definition 2.survivorship clause. A policy provision included in some life insurance policies which states that the beneficiary must survive the insured by a specified period, usually 30 or 60 days, to be entitled to receive the policy proceeds. Also known as a common disaster clause.survivorship life insurance. See last survivor life insurance.sweep account. See asset management account.systematic risk. See nondiversifiable risk.systemically important financial institution (SIFI). As identified by the Financial Stability Oversight Council, a financial institution whose failure could potentially pose a risk to the U.S. financial system and which is therefore subject to more stringent regulatory standards than other firms. Back to Top Share This Page: Printer-Friendly Version


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|Name: _________________________
|Period: ___________________
This test consists of 5 multiple choice questions and 5 short answer questions.
Multiple Choice Questions
1. What does Hayduke throw in Love's face?
(a) A plate of pancakes.
(b) A cake.
(c) A cup of coffee.
(d) A glass of beer.
2. What are the oil company commercials trying to convince the world?
(a) They are proving jobs.
(b) They are good for the environment.
(c) They are economically viable.
(d) They are safe.
3. Who does the ranger believe left the empty boxes of explosives?
(a) Terroists.
(b) Construction workers.
(c) Indians.
(d) Farmers.
4. What do robots insert up Smith's nose and anus?
(a) Explosives.
(b) Barbed wire.
(c) Iron rods.
(d) Electrodes.
5. What does Doc mutter about as he crawls into the back of his Jeep?
(a) Termites.
(b) Guns.
(c) Dynamite.
(d) Caltrops.
Short Answer Questions
1. What kind of car does Love drive?
2. What do Abbzug and Hayduke stop to destroy on their way to the Grand Canyon?
3. Who wrote the essay about Abbey included in the summary?
4. Where does Hayduke come to after he is knocked out?
5. What are caltrops?
This section contains 195 words
(approx. 1 page at 300 words per page)


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Home » Opinion » Editorials
Ignore money: Shaheen's awful college advice
Sen. Shaheen is a sponsor of the "Pay As You Earn plan." The legislation "caps payments for Federal Direct Student Loans at 10 percent of discretionary income," as a Shaheen press release explained it. The idea is that recent college graduates often have low-paying jobs, so their student loan payments should be held to levels they can always afford to make.
Shaheen said the plan "is especially important for workers in lower-paying public service careers, such as teachers, nurses, or first-responders." Then she made this stunning statement: "Students should be able to pursue a career based on their passions and interests, not by concerns about being able to pay back their loans."
In what universe?
Shaheen would have students pursue their dreams free from financial considerations. Their parents might have other ideas. Choosing to be a social worker or a (gulp) journalist instead of a banker or entrepreneur is a matter of more than personal fulfillment. It is a matter of economics as well. Young people should understand the real-life financial consequences of their career choices. They should not be encouraged by government policy to expect that such consequences are a matter of no concern.
The ready availability of government-subsidized, low-interest student loans already encourages people to pursue careers with little regard to their ability to repay those debts. Further distancing career choices from the financial realities that await in the real world sounds compassionate, but it could lead to many more people staying in debt much longer while pursuing work for which there is little demand.
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Crowd wowed as new Williston rec center opens
WILLISTON, N.D. More than 2,500 people checked out the new Williston Area Recreation Center on Friday during the first two hours it was open, from families with small children to oilfield workers st...
Posted on 3/28/14 at 7:26 PM
NDAD's busy free assistive equipment loan program re-stocked
February was a busy month for the Grand Forks portion of NDADs free short-term equipment loan program. Even though February is the years shortest month, the program provided 95 pieces of assistive eq...
Posted on 3/25/14 at 11:37 AM
So You're Moving to BoomTown, USA... Now What?
You hear about oilfield boomtowns everywhere in the media, some outlets even going so far as to compare them to a modern-day Wild West. The thought of actually moving to one of these towns can be daun...
Posted on 3/4/13 at 12:42 PM
Smoke and Mirrors
The worst part of living in the Bakken are the complaints about it. I get rubbed the wrong way when I hear people say things like, I cried all day the very first day I came! or I cry almost EVERY day...
Posted on 12/13/12 at 11:58 AM
First trip to Williston
On Saturday I traveled to Williston from Dickinson for the first time since moving back here in late June. Guess I thought I was prepared, considering all the warnings I got. A few rocks from passing ...
Posted on 8/27/12 at 12:27 PM
FACES OF THE BOOM: At 72, man having fun working in Oil PatchWILLISTON, N.D. -- Seventy-two-year-old Clint Perry was seeking adventure and a bit of hope when he moved to western North Dakota in August.
By Kathleen J. Bryan , November 30, 2014
CNN's Ling documents women seizing Oil Patch opportunitiesWILLISTON, N.D. -- CNN's Lisa Ling said when she came to Williston, she was prepared to be cat-called due to the influx of men working in the oilfields of western North Dakota.
By Kathleen J. Bryan , October 19, 2014
Home-seller likes 'crazy busy' of Williston marketWILLISTON, N.D. -- Three years ago, Carmel Schwab sold 134 homes in the heart of the Bakken — in just one year. After relocating to Williston in 2010 to help run Aberdeen, S.D.-based Centennial Homes' first location in North Dakota oil country, she proved she had the muscle to be a tour de force in the housing market.
By Kathleen J. Bryan , September 20, 2014
Ex-Marine feels at home in male-dominated fieldWILLISTON, N.D. -- Emily Gathje is used to working in a man's world. The St. Charles, Minn., native served with the U.S. Marine Corps for more than eight years before coming to North Dakota's Oil Patch to work as an airport operations manager at Sloulin Field International Airport in Williston.
By Kathleen J. Bryan , August 30, 2014
Stories from WillistonWILLISTON, N.D. — Everyone in this town seems to have a story. From a hotel receptionist from Kenya to a pre-med major from Georgia working on an oil rig, Williston has a bit of everything, and everybody.
By Garrett Richie , August 24, 2014
Oil services manager values North Dakota's can-do attitudeWILLISTON, N.D. -- Richard Cloy was just 16 when he got his start in the industrial instrument and piping business at the Exxon Baton Rouge Refinery.
By Kathleen J. Bryan , August 24, 2014
Faces of the Boom: Visiting doctor still makes house callsTRENTON, N.D. -- Eighty-nine-year-old Dr. Frederick Gross still makes house calls.
By Kathleen J. Bryan , August 03, 2014
A boom in rental ratesIn the shadow of N.D.'s oil boom, Williston residents struggle to keep their homes WILLISTON, N.D. -- Phyllis Larson has a small sign hanging in her apartment kitchen. It reads, "Grow old with me, the best is yet to be."
By Garrett Richie , August 03, 2014
Oilfield supply business burnsWILLISTON, N.D. -- Hazardous materials teams are at the site of an oil industry trucking and supply business that caught fire early Tuesday and may continue to burn for days.
By Kathleen J. Bryan , July 22, 2014
Faces of the Boom: Adventure, solitude rewarding for Oil Patch 'wanderer'WILLISTON, N.D. -- Anneli Anderson recalls the last time she said goodbye to her older brother, Evan.
By Kathleen J. Bryan , July 20, 2014
FOTB: The school of fish: Teacher and fishing guide gives a lesson on Lake SakakaweaWILLISTON — Matt Liebel may be a fish whisperer.
By Kathleen J. Bryan , July 13, 2014
Tattoo artist roving the N.D. oilfieldsWILLISTON, N.D. – Tattoo artist Dan Golebiewski is drilling ink in the Bakken to pay the mortgage back home.
By Amy Dalrymple , June 29, 2014
Former defendant in rancher's killing charged after police chaseWILLISTON, N.D. -- A man previously charged in connection with the death of a Williston rancher led police on a short chase Wednesday before crashing a motorcycle.
By Staff reports , June 15, 2014
Faces of the Boom: Boomtown's new leader foresees 'a better place'WILLISTON, N.D. – The next mayor of this oil boomtown says there's still work to do to catch up with the city's dramatic growth. But he sees progress happening all the time.
By Amy Dalrymple , June 15, 2014
Voters in Williston, Watford City asked to fund major projectsWILLISTON, N.D. – Residents of two rapidly growing Oil Patch cities will vote Tuesday on using local tax dollars for major projects.
By Amy Dalrymple , June 08, 2014
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