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- Feb 1 , 2013
- View Seating Chart
- $99,$79,$59,$39,$49,$39,$39
- On Sale Now
From the beginning, KANSAS achieved success by playing only their original music. This "garage band" from Topeka was discovered by Wally Gold who worked for Don Kirshner, and released their first album in 1974.
The band has produced eight Gold albums, three sextuble-Platinum albums (Leftoverture, Point of Know Return, Best of), one platinum live album (Two for the Show) and a million-selling gold single, "Dust in the Wind."
KANSAS appeared on the Billboard charts for over 200 weeks throughout the '70s and '80s and played to sold-out arenas and stadiums throughout North America, Europe and Japan. In fact, "Carry On Wayward Son" was the #2 most Played Track on classic rock radio in 1995 and went to #1 in 1997.
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- February 1, 2013 8:00 PM Add
bergenPAC provides access to the arts for over 30,000 school children regardless of ability to pay. In these times of spending cuts and so many places in need of support, please remember the Arts inspire us and enrich our world.
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The reasons that an SR22 can be required vary from state to state. An Sr-22 is generally required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and the associated insurance requirements.
SR-22s are associated with the following offenses in many states (though the SR22 can be required for reasons other then these):
- DUI or DWI or any serious moving violation
- At-fault accidents while driving without insurance
- Repeat traffic offenses or getting too many tickets in a short time period
- License suspension or revoked license - the SR22 is required as part of the reinstatement process
- Driving without insurance (sometimes referred to as SR-22a, SR-22s, SR-26, or other variations by state)
An SR-22 can and is required in many states as part of the reinstatement process after you have had your driver's license suspended, revoked or cancelled. This can include suspension for being a habitual offender of traffic violations or due to being behind in child support payments; it all depends on your particular state's laws.
To find out about your state's specific reasons for requiring a driver to maintain a SR-22 check with your Department of Motor Vehicles.

subset: commoncrawl


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Nub Connecticut Cigars
Nub Connecticut
Nub Connecticut cigars have a unique shape, developed to take advantage of the "sweet spot". The Connecticut blend is covered in a silky, smooth Connecticut wrapper and features a mellow, creamy taste with a mild spice. Toasty aftertaste.
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Brand Page - Size AttributeSize |
MSRP | Price | |


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on February 14, 2013If you don't already know about Solange Knowles, younger sister to Beyoncé and fellow singer, you should. The junior Knowles graces the cover of the latest issue of The FADER, looking radiant. You might think that because she is Beyoncé's sister and also a singer that you need to choose one or the other, or that they're competing in some way. This is not the case. Solange complements Beyoncé. She makes the kind of music that sneaks up on you, not the kind that demands attention, like Beyoncé's Super Bowl halftime performance. Beyoncé works hard and shows every muscle. Solange is the Knowles who jams with her band in a vacation house in Santa Barbara and makes all her hard work look effortless, almost as if she doesn't care.
She does care. And some of the music is very good. Here, the five tracks you should start with (and a Spotify playlist):
"Losing You," True
The song that best embodies Solange's unique qualities is the single she released late last year (she calls herself just Solange; she did learn some things from the older sister). It grooves on a funky yelp of a sample and a beat that seems like it might erupt but never does. It's a song for anyone who brings headphones to the beach. Singing to the man who's spurned her, Solange isn't angry. She's contemplating. In the fantastic music video, she traipses through Cape Town, South Africa, in heels. Maybe she's even moved on.
"Sleep in the Park"
The B-side to "Losing You" is a little different, all handclaps and pleas about how you can't survive on love alone. You can hear more of the classic soul that influenced Solange's 2008 album, SoL-Angel and the Hadley Street Dreams. She could be singing about Al Pacino and Kitty Winn in The Panic in Needle Park, but she never gets her full message across. All her thoughts are half-formed. It's a snapshot.
"Sandcastle Disco," SoL-Angel and the Hadley Street Dreams
"I'm nothing but a sandcastle. Don't blow me away." This is a song for the whole beach. Preferably at night, when everyone's paired off on beach towels staring at the stars.
"I Decided Pt. 2"
A brassy, foot-stomping anthem dedicated to Solanges everywhere, the girls who shun boys for homework, and the men who finally capture their hearts.
"Cosmic Journey"
Or, Solange at her spacey-iest, most carefree. As usual, she is lovable but just a little inscrutable. When she whispers, "I love you, I swear," you want to believe her, but you're never quite sure you should.
And for those on Spotify, a playlist:
Follow The Culture Blog on RSS and on Twitter at @ESQCulture.
Follow The Culture Blog on RSS and on Twitter at @ESQCulture.
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Apple releases OS X Mountain Lion 10.8.3 update
Apple has released OS X Mountain Lion 10.8.3 to the public. This is the third major update to Mountain Lion since its initial release in July 2012. Apple says this about the update:
The 10.8.3 update is recommended for all OS X Mountain Lion users and includes features and fixes that improve the stability, compatibility, and security of your Mac, including the following:
- The ability to redeem iTunes gift cards in the Mac App Store using your Mac's built-in camera
- Boot Camp support for installing Windows 8
- Boot Camp support for Macs with a 3TB hard drive
- A fix for an issue that may cause Logic Pro to become unresponsive when using certain plug-ins
- A fix for an issue that may cause audio to stutter on 2011 iMacs
- Includes Safari 6.0.3
You can grab the update right now on the Mac App Store (MAS). Download it and let us know what you think.
Have something to say about this story? Share your comments below! Need help with something else? Submit your question!
Reader comments
Apple releases OS X Mountain Lion 10.8.3 update
I wonder what will the next OS X be, they're running out of "big cats." Maybe they'll call the next OS X, "OS X Sea Lion." No one will notice....
The Safari update fixed the issue that MacBook Airs had with some sites showing random vertical lines in the pages. What a relief since I have been dealing with this issue since purchasing my 13" MacBook Air.
Typically, I have three go to websites for Apple information: Engadget, Gizmodo and iMore. But it was today that iMore showed me that Apple OS X Mountain lion had an update. Thanks guys, I would've been in the dark.
My four year old MacBook is struggling with Mountain Lion - I really wish I just left it running on Leopard.


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If you like the itinerary below please quote REF SOUTHEAST ASIA 440 when enquiring for further details.
Alternatively you may like modify this trip with your own Holiday Wish List
Welcome to the Cambodia! Upon arrival, you will be met by your tour guide and driver before being transfered to your hotel. A sight seeing tour of the city will take in the Royal Palace, the incredible solid silver-floored Silver Pagoda and the National Museum, a treasure chest of Angkorian and pre-Angkorian artifacts before ending our city tour with a visit to Wat Phnom pagoda and shopping at the Russian market.
After breakfast we travel southwest of Phnom Penh to Choeung Ek. The memorial just outside Phnom Penh was an orchard and a Chinese cemetery prior to 1975. During the Khmer Rouge regime, it became one of the killing fields, the site of the brutal executions of more than 17,000 individuals, most of who first suffered through torture and deprivation in Toul Sleng Prison. Choeung Ek is now a group of mass graves and a memorial stupa containing thousands of skulls. This evening, enjoy a boat cruise on the Mekong River and take in the local night life.
After breakfast we leave Phnom Penh and travel to Kompong Thom province. The province is large in size with some 13,814 km2 making it the second biggest province of Cambodia. It is one of the most popular historical and cultural sites to explore due to its pre Angkorian temples. Later visit Sambor Prei Kuk, the most impressive group of pre-Angkorian monuments in Cambodia.
Today we continue to Siem Reap to visit the Angkor Wat Temple. This architectural master piece was built in the 12th century, took 30 years to complete and represents the Khmer civilization at its grandest. Covering 81 hectares, it is one of the largest religious monuments ever built. Angkor Wat (the biggest Hindu temple in the world and one of the largest religious monuments in the world, was built between the 9th – 13th century. In the early evening climb to Bakheng Hill to enjoy the superb view as the sun sets over Angkor Wat.
Today is spent further exploring the Angkor Wat complex, entering the South Gate of Angkor Thom Temple marvel at the wonders of the eerie Bayon, the terrace of Elephants and the terrace of the Leper King. Afterwards, we continue to visit Ta Prohm temple, shrouded in jungle and left just it was founded by French explorers in 1850s. This afternoon we set out for a cruise on the beautiful Tonle Sap Lake passing a typical floating village observing the locals in their daily life.
Today travel to Banteay Srey, one of the most unusual temples of Angkor, Cambodia. It lies 20 km due north of the main group of temples and is built largely of red sandstone, which is covered with elaborate and intricate carvings. Later visit Banteay Samre, built in the third quarter of the 12th century. The Srah Srang a royal bathing Palace, located east of Banteay Kdei is our next destination. It was constructed in the mid-10th century, and modified in the 12th or 13th century, then visit the Banteay Kdei Temple, a massive Buddhist monastery from the latter part of the 12th century and is surrounded by for concentric walls. Later take in Ta Keo, and finally we finish with Thommanon Temple, one of a pair of Hindu temples.
After breakfast we visit Beng Mealea Temple, a spectacular jungle temple around 60 Kms drive to the north east of Siem Reap. It is one of the "new" highlights of Cambodia; having only been cleared of mines at the end of 2003. Built by Jayarvaman VII; in the style of Angkor Wat; its scale is huge. Being well over one square kilometer in area and all located within a moat. Approached by four causeways, Beng Mealea appears to be a huge pile of rubble partially hidden in the trees, it's not until you get closer to the high walls that the ancient Khmer Architecture reveals itself. Cloaked in vegetation the temple looks as it did when French explorers first stumbled across it.
Arrangements conclude in Cambodia after breakfast and onward transfer to the airport for your flight to saigon (flights not included). Welcome to Saigon, the largest and busiest city in Vietnam. You will be greeted at the airport and transfered to your hotel. The rest of the day is at your leisure.
This morning, we depart for Cu Chi Tunnel, an underground maze, which became legendary during the 1960s for its role in the Vietnam War. Located about 75 km northwest of Saigon, the tunnels were part of an underground network that zigzagged from the southern tip of the Ho Chi Minh trail near the Cambodian border to the Saigon River. Later we visit the Reunification Palace (also known as Independence Palace), one of the most fascinating sights in Saigon and once the symbol of the South Vietnamese government. Nearby is the famous Notre Dame Cathedral and the War Remnants Museum, where we can learn more about the "American" War as it is referred to in Vietnam. Our next stop is Ben Thanh market, typical of local markets markets in Vietnam.
We travel overland through the beautiful countryside of the Mekong Delta to Vinh Long province. On arrival, we take a boat ride to visit a local orchard and the Cai Be floating market. Everyday, approximately 400-500 boats filled with fruits, vegetables and other local products anchor along the banks of the River, waiting for traders and customers. Here we observe the local people buying selling and exchanging goods from their boats. Later we leave Cai Be, and visit a local family producing coconut candy, a specialty of the region. After lunching on the local delicacies in a local Bonsai garden travel onwards to Can Tho.
This morning we cruise along the small and picturesque tributaries of the Mekong by rowing boat and visit the Cai Rang - Phong Dien floating market. The scenery is simply stunning and the daily activities of the locals who live along the Mekong canals are a pleasure to watch going about their daily activities. Later return to Saigon.
Today we travel to Dalat, the capital city of Lam Dong province. At an altitude of 1500m above sea level, Dalat was dubbed the "city of spring", with its ideal climate for horticulture. It's famous for its lakes, waterfalls, pine-tree forests, vegetable gardens and flowers. The drive to Dalat is quite long, approximately 7 hours. En route we will stop at the town of Bao Loc and visit Dambri Waterfall. We will arrive in Dalat late afternoon, rest of the day at leisure. OVERNIGHT - Ngoc Lan Hotel
In the morning we visit Xuan Huong Lake, which is located at the center of Dalat. Xuan Huong was created when the French dammed the Cam Ly River in 1919. Continue to the Central Markets where you will be bewildered with a riot of multi-colored flowers as well as fresh vegetables and mouthwatering fruits. We also visit Prenn waterfall, which is nestled in the valley covered with densely lush vegetation and pine forest. In the afternoon we visit Lam Ty Ni pagoda, one of the unlikeliest and most delightful attractions of a stay in Da Lat. The pagoda is home to Vien Thuc, the so-called "mad monk" of Dalat. OVERNIGHT - Ngoc Lan Hotel
Today we take a drive to Nha Trang, famed for white sandy beaches with up to 7km in length azure blue water and more than 200 islands offshore. We arrive in Nha Trang in the early afternoon, hotel check in and afternoon at leisure.
A day of leisure and indulgence as we cruise through blue clear waters of the islands off the coast of Nha Trang. Visit the Tri Nguyen Aquarium on Mieu Island then onto Mun Island where you will get the chance to swim or even do some snorkeling in the crystal clear waters. Then a stop is made for lunch at the fishing village of Lang Chai where you will have the opportunity to explore further before boarding the boat back to Nha Trang harbor.
After breakfast, we depart for Phan Thiet. On the way, we will make a stop to visit Po Klong Garai Cham Tower in Phan rang town. Upon arrival, check in hotel and afternoon at leisure.
Free day to enjoy the tropical oasis that is Muine Beach on the south east coast - where palm trees line the perfect sandy beaches.
Today we are transferred to the airport for our flight to Saigon (flights not included). Upon arrival you are transferred to your hotel.
After breakfast arrangements are complete. Onward departure transfer to Saigon airport.


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After renting for umpteen years, my youngest son moved out 1 year ago. I have 3 bedrms. Do I move to a cheaper single/1 bedroom apt and pay off c.c. bills ($20,000.) or try to purchase a condo now? Difference will be about $500. saved per month to downsize (rent). No significant savings (ugh). TIA
MeMee |
Follow-Up Postings:
- Posted by zone_8grandma (My Page) on Fri, Jan 11, 08 at 18:09
Without significant savings (and with cc debt that high), I doubt that you could purchase a condo. If you downsized, you'll still have approximately the same utility costs. Have you considered taking in roommates? The combination of rental income from those two bedrooms and the division of utility costs three ways might add up to considerably more than $500 (depending on where you live). |
I don't see how anyone could get a loan with $20,000 in CC debts, unless you have a very large income or savings. I think the CC debt would be a red flag to the loan company. |
I'd say move to a small, inexpensive place and get your finances in order. I have a single friend age 50 who has never lived in anything other than a one bedroom apartment. She could afford to purchase something now but she prefers the flexibility of not owning (she has relocated for jobs a few times) and the security of accumulating alot of cash/retirement savings and not having any debt. |
Hello memeee, If you haven't been able to build any savings, and in addition have got yourself into a substantial debt, where do you figure that you may be able to find the income to cover extra costs associated with home ownership? Not just in getting it established ... but to cover the ongoing costs? Plus - if you add current credit card debt to a mortgage, you change a debt that many of us plan to pay off within a year or two (usually five, at most) into one that's going to take 15 - 20 - 25 (in recent years, even 30) years to pay off completely. If you do that ... think of all of the extra interest that you'll need to pay as a result of turning what's usually short-term into long-term debt. I think that, if you choose this route, unless you find a means of increasing your income substantially, or are lucky enough to have a relative die and leave you some money, you may well be sorry in five years (or less) that you chose such a path. Plus - though I have no idea of the housing situation in your area, it seems to me that the housing crunch in a number of (maybe most) parts of the U.S. haven't played themselves out yet. My daughter was recently negotiating to buy a housing unit in Phoenix, there was $5,000. difference between bid and asking price ... and she walked away. Within a few months ... she found that a re-evaluation of the house/condo in question ... came in $20,000.00 lower. So - she's in no hurry to buy. In many U.S. housing markets ... there may be (quite a lot more) (four-letter word for barnyard by-product - a synonym for "manure") yet to hit the fan. I suggest that you go to bare-bones spending for a couple of years, pay off much, at least, (most?) (all??) of your credit card debt, then consider taking on a major debt like a mortgage under a much improved personal credit/debt situation. If you buy under the present situation ... ... in three - five years (possibly sooner) I think that you may well be a sorry person. How would you like to buy a house for $170,000.00, with $10,000.00 closing/financing/inspection/lawyer/insurance/fuel on hand/unpaid taxes/++ costs, adding your $20,000.00 "Credit" (really "Debt") Card debt, for a total of $200,000.00 mortgage ... ... only to find that, in a couple of years ... ... you still owe $195,000.00 (most of your payments were paying interest owing) ... ... and your house could be sold for $150,000.00? Which, should you find yourself unable to pay all of your expenses, including the mortgage cost, would force you (or the bank, under foreclosure) to sell your house, leaving credit after costs of maybe $135,000. ... ... and the bank suing you for ... ... $60,000.00??? Hypothetical, yes - but worthy of serious consideration. I must confess a certain bias in this matter ... ...for I, a Canadian, own shares in a Canadian bank ... ... which has been involved heavily not only in those funny bunny mortgages that have been rampant in the U.S. for several years, and are now causing huge problems, with many recent purchasers, unable to meet increased mortgage costs, walking away from those homes ... ... but my bank has backed a mortgage insurance company that was backing those mortgages, and may now go bankrupt ... ... and I have seen the value of those shares drop from a high of $107.00 each, about 6 months ago ... ... to $68.00 each, a couple of weeks ago, now just over $70.00 (with maybe some more nasty surprises to come). Just some ideas that you may find useful - what you do about the situation is your choice. ole joyful (well, not quite so joyful, recently) |
- Posted by littlebug5 (My Page) on Mon, Jan 14, 08 at 22:01
I don't understand. You said, "After renting for umpteen years, my youngest son moved out 1 year ago." Has your son been renting from YOU? Or does this mean that YOU are renting a place? You say you have 3 bedrooms - is this an apartment or a house? Do you own it outright, or do you owe on a mortgage? And what does this mean: "Difference will be about $500. saved per month to downsize (rent)." Does this mean you rent your 3-bedroom place and if you move to a 1-bedroom place you expect to save about $500/per month on rent costs? I'm with everybody else -- if you have $20,000 in credit card debt and no savings, you are in no position to buy a condo, unless you own your current place and have significant equity in it that you could cash in by selling it. |
Thank you all for your comments. Now I know I need to get my finances in order first...kinda what I thought. Thanks for your candid advice. MeMee |
One point to consider. You say your son moved out about a year ago. How old is he? Why did he move out? You need to be forewarned that young people today are considered the 'boomerang' generation. Most seem to bounce back to live with their parents at least once or twice before age 30. Sometimes because they've finished college and are getting their career started and need a reasonable place to live before they start making the 'big' bucks. Some because they have financial reverses. Some because the relationship they expected to last 'forever' failed after a few years. And sometimes, when they return, they've got kids (or even a spouse) in tow. My point is that you may want to take this into consideration. If your son hit hard times, and truly needed a place to go, would you have room for him? Would you be okay with turning him away? Could you sit back and watch your granchildren (if any) living on the street or out of a car? No matter where I move in the future, I will always make sure that there will be space for DD if at any point in her life she needs it. |
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Gloria Burke
Gloria Burke is currently Director of Knowledge & Collaboration Strategy and Governance, Unisys IT Applications. She is responsible for the development of the Unisys Knowledge and Collaboration strategic vision and road map. In addition, to this key position she also directs the implementation of the company's Knowledge and Collaboration initiative, which focuses on exploiting social computing technologies to improve employee connection, knowledge sharing, repurposing and reuse and collaboration practices.
Gloria also holds the responsibility of managing and developing "Inside Unisys," the company's intranet environment that hosts its authoritative knowledge base and collaborative work spaces. In addition, Gloria serves as the Chairperson of the company's Knowledge and Collaboration Advisory Council and Intranet Steering Committee. Prior to joining Unisys in 2009, she spent 15 years with Booz & Company (formerly Booz Allen Hamilton, Inc.) as a Global Knowledge Manager, responsible for the strategy and development of the company's global knowledge and collaboration platform and related business process applications. She has also worked with LifeRe Corporation as their Investor Relations Officer.
Gloria comes with 27 solid years of experience in administrative management, including M&A and regulatory compliance. She is a subject matter expert on Social Collaboration Strategy and Culture Transformation.


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Looking for a faster, more effective, and non-abrasive cleaning method for industrial equipment, fire restoration, or mold remediation? | Investigating cleaning methods that do not use water? |
Searching for a GREENER cleaning method to meet your sustainability objectives? | Exploring ways to reduce clean up costs associated with secondary blast media? |
Dry ice blasting is the fast, dry, and non-abrasive cleaning method.
Dry ice blasting uses compressed air to accelerate solid carbon dioxide (CO2) dry ice pellets to clean a variety of surfaces including industrial equipment, fire damage, and mold. Dry ice blasting effectively cleans ink, glue, paint, food, rubber, mold release agents, dirt, grease, oil, and numerous other contaminants. Learn more at BENEFITS OF DRY ICE BLASTING.
We provide the dry ice blasting industry's:
Because we offer multiple brands and models of dry ice blasting machines, we can match the right piece of equipment to your specific applications, goals, and budget. We also offer flexible rental and lease-to-buy options. Learn more about our dry ice blasting machines.
Learn more about specific applications for dry ice blasting.


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Financial Planning
Stetzer Accounting Service LLC welcomes Jason DeKeuster. He is a personal financial consultant from Northern Prairie Financial. He joins our team to assist you throughout the year.
By working with Northern Prairie Financial, Jason can help secure your financial well-being and give you peace of mind as you reach financial planning success.
Northern Prairie Financial can help if you:
Want to better manage your finances, but aren't sure where to start.
Don't have time to do your own financial planning.
Want a professional opinion about the plan you've developed.
Don't have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning.
Have an immediate need or unexpected life event.
There are many benefits of financial planning. It's time to contact Jason from Northern Prairie Financial so he can create a realistic financial plan that fits your needs.
Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC. Member SIC www.SIPC.org. Supervisory office: 901 Marquette Ave, Suite 2600, Minneapolis, MN 55402 (612)333-1413


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Defense Counsel Can Be Accountable to the Insurance Carrier for Malpractice
An insured who is provided a defense and indemnity by its carrier has no incentive to pursue a malpractice action against defense counsel when the carrier is forced to settle the action because defense counsel's misfeasance or omission compromised the defense of the action. In such a circumstance, the insured has not suffered any pecuniary loss and therefore has no reason to sue its counsel for malpractice .
However, the defalcating defense counsel may find itself the subject of a legal malpractice action, not by the client/insured, but by the insurance carrier which paid an increased judgment or a larger settlement to protect itself and the insured from a greater judgment due to defense counsel's malpractice. Under certain circumstances, the insurer can sue defense counsel for legal malpractice either based upon a breach of the attorney-client relationship between the insurer and defense counsel, or based upon the doctrine of equitable subrogation.
An Attorney-Client Relationship Between Insurer and Defense Counsel
Many jurisdictions recognize the existence of a tripartite relationship whereby defense counsel represents the interests of both the insurer and insured. Unigard Ins. Group v. O'Flaherty & Belgum, 38 Cal.App.4th 1229, 45 Cal.Rptr.2d 565 (1995); Nandorf, Inc. v. CNA Insurance Companies, 134 Ill.App.3d 134, 479 N.E.2d 988 (1985); Gray v. Commercial Union Ins. Co., 191 N.J.Super. 590, 468 A.2d 721 (1983). Some courts have held that an insurer can sue defense counsel for legal malpractice based upon the tripartite relationship creating an attorney-client relationship between the attorney and insured, as well as the attorney and insurer. See, Unigard Insurance Group v. O'Flaherty & Belgum, supra, 38 Cal.App.4th at 1236-1237 (1995). In Unigard, the plaintiff insurer filed its complaint premised upon an independent right to assert a malpractice claim against defense counsel for its allegedly negligent representation of the insured. The Unigard court held that when, pursuant to insurance company obligations, an insurer hired counsel to defend its insured, the retained attorney owes a duty of care to the insurer which will support its independent right to bring a legal malpractice action for acts committed in the representation of the insured, provided the interests of the insurer and insured are not in conflict. Id. at 1236-1237.
The Unigard court adopted the rationale for its conclusion from Atlanta Intern. Ins. Co. v. Bell, 438 Mich. 512, 475 N.W.2d 294 (1991). The Bell court declined to find an attorney-client relationship between an insurer and insurer and defense counsel, reasoning that a rule of law expanding the parameters of the attorney-client relationship in the defense counsel-insurer context might well detract from the attorney's duty of loyalty to the client in a potentially conflict-ridden setting. Despite this, both the Unigard and Bell courts recognized that to completely absolve a negligent defense counsel from malpractice liability would not rationally advance the attorney-client relationship. Moreover, defense counsel's immunity from suit by the insurer would place the loss for the attorney's misconduct on the insurer. The only winner produced by an analysis precluding liability would be the malpracticing attorney. The Unigard court recognized that in a malpractice action against defense counsel, the interests of the insurer and the insured generally merge. The client and the insurer both have the interest in not having the case compromised because of attorney malpractice. The best interest of both insurer and insured converge in expectations of competent representation. The Unigard court therefore concluded "that where the insurer hires counsel to defend its insured and does not raise or reserve any coverage dispute, and where there is otherwise no actual or apparent conflict of interest between the insurer and the insured which would preclude an attorney from representing both, the attorney has a dual attorney-client relationship with both insurer and insured." Id. at 1236-1237.
The California Court of Appeal very recently applied the Unigard holding in Gulf Insurance Company v. Berger, Kahn, Shafton, Moss, Figler, Simon & Gladstone, __ Cal.App.4th __, 93 Cal.Rptr.2d 534, 2000 WL 284066 (Feb. 17, 2000). Gulf involved a legal malpractice action within a legal malpractice action. In the underlying action, Coleman sued his attorney and a legal services plan (the "Plan defendants") for allegedly mishandling Coleman's bankruptcy and related issues. As to the Plan defendants, Coleman asserted breach of contract and negligence theories on the grounds that the plan failed to investigate the lawyer's qualifications and abilities and negligently referred the lawyer to the Coleman matter. The Plan defendants, which were insured by Gulf, retained Berger, Kahn to defend it in the Coleman action. Gulf consented to the retention upon the condition that Berger, Kahn agree to and sign Gulf's written defense guidelines and insure that Gulf participated in key decisions involving strategy, motions, discovery, experts and settlement. Gulf also wrote a letter to the insured advising that it was assuming the defense with a full reservation of all rights under the law and the insurance policies. Berger, Kahn never asserted any conflict of interest in representing both the Plan defendants and Gulf, and never sought to be appointed independent or "Cumis" counsel.
Berger, Kahn failed to take any action to prepare a defense of the Coleman action other than tender the Plan defendants' defense to another carrier who only had $100,000 of eroding limits. When the tender was accepted and new counsel appointed, only weeks before trial, the case had been compromised because Berger, Kahn failed to conduct any investigation or discovery. Gulf was required to pay Coleman's $1 million settlement demand the day before trial because of Berger, Kahn's failures.
Thereafter, Gulf sued Berger, Kahn for negligence and breach of contract. Berger, Kahn moved for summary judgment on the grounds that Gulf lacked standing to sue and could not establish causation. With respect to the former, Berger, Kahn argued that it had no attorney-client relationship with Gulf because Gulf assumed the defense under a full reservation of rights. The trial court granted Berger, Kahn summary judgment in part based on the Unigard decision, concluding that Gulf's reservation of rights created a conflict of interest so that Gulf lacked standing.
The court of appeal in Gulf reversed the trial court's grant of summary judgment. First, the Gulf court analyzed whether an attorney-client relationship existed between Gulf and Berger, Kahn. The Gulf court rejected Berger, Kahn's argument that no attorney-client relationship existed because the Plan defendants, not Gulf, first hired Berger, Kahn. The court stated that whether an attorney-client relationship is established is not determined by who was first to contact defense counsel, but rather with whom the attorney-client relationship was established. The Gulf court concluded that Berger, Kahn was counsel for both the Plan defendants and Gulf because it was clear that the Plan defendants selected counsel acceptable to Gulf and that Gulf's acceptance of Berger, Kahn as defense counsel was conditioned upon it following Gulf's defense guidelines, which in fact Berger, Kahn did, including negotiating an increased hourly rate.
Having established that an attorney-client relationship existed between Gulf and Berger, Kahn, the Gulf court next determined whether Gulf could sue Berger, Kahn for alleged malpractice committed while representing the Plan defendants. Applying the rationale and holding of the Unigard decision, the Gulf court concluded that Gulf could sue Berger, Kahn so long as there existed no conflict of interest in Berger, Kahn's dual representation of Gulf and the Plan defendants. Although Gulf had stated it was reserving its rights, the Gulf court recognized that not every reservation of rights creates a conflict of interest requiring appointment of independent counsel. The court stated that there "is no talismanic rule that allows a facile determination of whether a disqualifying conflict of interest exists." A disqualifying conflict exists if insurance counsel had incentive to attach liability to the insured where defense counsel was defending both covered and uncovered claims. Based on these principles, the Gulf court concluded that Berger, Kahn had no conflict that precluded Gulf from suing them for malpractice. The reservation of rights asserted by Gulf was largely general in nature and for protecting against unknown eventualities that might subsequently arise. The Gulf court further concluded that Berger, Kahn could not have had the ability to transfer liability from the covered negligence claims to the uncovered breach of contract claim because essentially the same factual charges formed the basis for both claims. If Berger, Kahn could defeat liability on the covered claim, it could also defeat liability on the uncovered claim such that it could not transfer liability from covered to uncovered claims by presenting different facts. Id. at 11.
Lessons Learned by the Gulf Decision
A number of important lessons can be learned from the Gulf decision. First, the decision reinforces that, at least in California, an insurance carrier in certain circumstances can assert a legal malpractice claim against defense counsel. Second, the mere fact that defense counsel was not originally retained by the carrier does not affect the carrier's standing to sue for malpractice. Instead, the court should analyze whether a tripartite relationship existed which created an attorney-client relationship between the insurer and defense counsel. Finally, the Gulf decision emphasized that not every reservation of rights creates a conflict of interest which can preclude the insurer from suing defense counsel. A general reservation or rights, without more, does not create an apparent or actual conflict of interest. Instead, a court will look to the facts supporting the covered and uncovered causes of action to determine whether defense counsel can transfer liability from covered to uncovered claims by presenting or developing different facts.
Jurisdictions Which Do Not Recognize A Dual Attorney-Client Relationship
Some jurisdictions have declined to recognize the existence of a dual attorney-client relationship created by the tripartite relationship. Instead, these jurisdictions rely on the attorney's ethical obligation to act consistent with the insured's best interest, and the insured's ability to sue the insurer for bad faith.
A good example of this approach was recently set forth in Finley v. Home Ins. Co., 90 Haw. 25, 275 P.2d 1145 (1998). In Finley, the Hawaii Supreme Court declined to follow other jurisdictions, including California, which recognize a dual attorney-client relationship between the attorney and insured, as well as the attorney and insurer, when the insurer is required to provide a defense to its insured. Instead, the court adopted the view that any conflict of interest created by an insurer's reservation of its rights when providing a defense to the insured is to be left to the integrity of retained defense counsel to protect the interests of the insured by following the Hawaii Rules of Professional Conduct.
In Finley , plaintiffs obtained an assignment of rights to recoup unreimbursed attorney's fees of the independent counsel of an insured defendant. Plaintiffs then sought to obtain the unreimbursed attorneys fees from the insurer, Hawaii Insurance Guaranty Association ("HIGA"). Plaintiffs sought the unreimbursed attorney's fees on the ground that the insured was entitled to reimbursement of fees for its independent counsel because HIGA asserted a reservation of rights which allegedly created a conflict of interest. The Hawaii Supreme Court in Finley denied plaintiff's recovery of attorney's fees incurred by the insured's independent counsel. The Finley court held that a dual attorney-client relationship is not created when an insurer retains defense counsel for an insured. Further, an insured does not have the right to select independent counsel to represent its interest solely due to an insurer's reservation of rights. The Finley court reasoned that adequate safeguards existed to protect the insured in the case of misconduct by appointed defense counsel or the insurer. First, the court noted that appointed defense counsel is obligated to follow the mandates of the Hawaii Rules of Professional Conduct, requiring counsel to solely represent the insured when a conflict arises between the interest of the insurer and the insured. Id. at 32. If appointed defense counsel fails to abide by the rules of professional conduct, and favor the interest of the insurer over the insured, the insured can protect itself by suing appointed defense counsel for malpractice. Second, the insurer can be sued for bad faith if it directs appointed defense counsel to steer liability to uncovered versus uncovered claims.
The Finley court recognized that some jurisdictions lack faith in the ability of retained counsel to place the interest of the insured above the attorney's alleged interest in future employment by the insurer. However, the Finley court believed that an attorney may accept payment for defense of the insured without compromising his or her duty of loyalty to the client. Citing Federal Ins. Co. X-Rite, Inc., 748 F.Supp. 1223, 1229 (W.D.Mich. 1990), the Finley court agreed that it was unable to conclude that an insurer, who under a reservation of rights participates in the selection of counsel, automatically breaches its duty of good faith. The court also declined to apply the conclusive presumption that counsel will be unable to fully represent its client, the insured, without consciously or unconsciously comprising the insured's interests.
The rationale followed by the Hawaii Supreme Court in Finley precludes an insurer from bringing a legal malpractice action against retained defense counsel because no attorney-client relationship is recognized in Hawaii between the insurer and appointed defense counsel. In Gulf, supra, the insurer was required to protect its insured by paying a substantial settlement because the defense of the insured had been compromised by defense counsel. If these facts were applied under Hawaii law, the insurer would have no remedy against defense counsel even though the latter's malpractice caused damages to the insurer. The Hawaii courts have not yet addressed this issue in any published opinion. Likewise, the Hawaii courts have not addressed whether an insurer can seek equitable subrogation against defense counsel in such a situation.
Defense Counsel May Be Sued For Malpractice Based Upon The Doctrine Of Equitable Subrogation
Some jurisdictions have declined to recognize an attorney-client relationship between an insurer and defense counsel, but have recognized that to do so may absolve negligent defense counsel from liability where the insurer, rather than the insured, has been damaged. These jurisdictions have instead applied the doctrine of equitable subrogation, allowing the insurer to stand in the shoes of the insured to pursue a legal malpractice action against defense counsel.
In Atlanta International Insurance Company v. Bell, 438 Mich. 512, 475 N.W.2d 294 (1991), the Supreme Court of Michigan declined to recognize an attorney-client relationship between an insurer and defense counsel. The court stated that to hold an attorney-client relationship between insurer and defense counsel could indeed "work mischief" because of an attorney's duty of loyalty to the insured and a potential for a conflict of interest by the insurer, which hired defense counsel. However, the Bell court also recognized that to hold that a mere commercial relationship exists between an insurer and defense counsel would work obfuscation and injustice. The court therefore held that the gap is best bridged by resort to the doctrine of equitable subrogation to allow recovery by the insurer. The court stated that equitable subrogation best vindicates the attorney-client relationship and the interests of the insured, properly imposing the social costs of malpractice where they belong. Allowing the insurer to stand in the shoes of the insured under the doctrine of equitable subrogation best serves the public policy underlying the attorney-client relationship by minimizing conflicts of interest. Id. at 297. See also, American Centennial Insurance Co. v. Canal Insurance Co., 843 S.W.2d 480 (Tex. 1992); Allstate Insurance Co. v. American Transit Insurance Co., 977 F.Supp. 197 (E.D. N.Y. 1997) (under New York law, excess insurer may sue insured's attorney hired by primary liability insurer for malpractice under theory of equitable subrogation); National Union Fire Insurance Co. v. Dowd & Dowd, 2 F.Supp.2d 1013, 1024 (N.D. Ill. 1998) ("it would be inequitable to place the burden of legal malpractice upon the excess insurer, allowing a negligent attorney to escape the consequences of his misconduct, merely because the insured lacks the economic incentive to sue").
Thus, some jurisdictions have declined to recognize an attorney-client relationship between an insurer and defense counsel. These jurisdictions instead have applied the "legal fiction" of equitable subrogation to provide a remedy to the insurer and avoid the unjust result of negligent defense counsel avoiding responsibility for its misfeasance.
Retained defense counsel cannot be cavalier in its defense of the insured on the assumption that the only adverse consequence will be that the insurer will be left holding the bag. A number of courts have either recognized an attorney-client relationship between insurer and defense counsel or applied the doctrine of equitable subrogation to remedy this otherwise unjust result.
The Gulf decision applied a broader depth of facts to California's recognition that the tripartite relationship may create an attorney-client relationship between an insurer and defense counsel which can create standing for an insurer to sue defense counsel for malpractice when defending the insured. Other jurisdictions do not recognize an attorney-client relationship between an insurer and defense counsel. In these jurisdictions a defalcating lawyer may escape liability for its malpractice because the insurer lacks standing to sue defense counsel and the insured has no incentive to do so because it was indemnified by the insurer. Some jurisdictions have recognized the inequitable and unjust result created by declining to recognize an attorney-client relationship between an insurer and defense counsel. These jurisdictions have invoked the doctrine of equitable subrogation to remedy this otherwise inequitable result and allow the insurer to hold defense counsel responsible for its negligent conduct.


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This week sees the launch of WhereToSleep.co.uk – the latest in a growing list of 'space trader' websites that offer travellers an alternative form of accommodation to the traditional hotel.
The site connects travellers to potential hosts, allowing anyone to rent out their house, apartment, room, or even just a sofa bed in their lounge, to travellers seeking better, cheaper or just a different form of accommodation.
The growth of this 'space traders' trend must be taking a slice of the market from traditional hotels, b&bs and cottage rentals. Effectively, sites like WhereToSleep allow anyone, anywhere to become a holiday property landlord.
Indeed, savvy people are putting their places up for rent whenever they're out of town and using the income to pay for their own travels.
For travellers, the experience can be far more rewarding than a stay in a chain hotel, as well as being cheaper. Of course, the quality of accommodation varies and not everyone is comfortable with the slightly unregulated market such sites provide, but feedback systems for both hosts and guests helps to keep the quality of transactions high.
We're unlikely to see the death of the hotel quite yet, but as with many other industries including publishing and music, the internet has levelled the playing field. What was once only possible for large companies with big budgets has become viable for the everyday man – and that is no bad thing.
Six hotel-killing websites
1. WhereToSleep.co.uk - new to the market, the site is clean and easy to use with plenty of nice pictures. As a new site, the inventory is not as large as its more established rivals, but is likely to grow with time.
2. CouchSurfing.org – more than just a website, CouchSurfing.org spawned an entire movement of locals offering their couches (and their local knowledge) to travellers for free. Now boasting more than 3 million successful couch surf experiences, this site continues to spread the cult of kindness around the world.
3. SwapMyCityPad.com – concentrating on city accommodation, this site allows you to swap your own flat of house with other like-minding people for a weekend or longer. All you need to do is sign up, post some pictures and search for a swap you like, from Sao Paulo to Sydney.
4. AirBnB.com – deemed "ebay for space" by Time Magazine, this is a more established version of WhereToSleep –and offers rentals in all sorts of accommodation from eco-houses to igloos (as well as normal rooms and apartments). Slick and offering an inventory of 10,714 cities in 178 countries, AirB&B appears to be the market leader.
5. CrashPadder.com – similar to AirB&B but focuses more on rooms within a house or flat meaning you're more likely to get a local host with your stay (if you want one). Ideal if you're after a guide but want to go slightly more upmarket than a CouchSurf experience.
6. CampInMyGarden.com – taking the sofa surfer concept one step further, CampInMyGarden allows people to rent out a tent-sized plot on their lawn to anyone who wants it. Spawned by the high demand for sleeping space during events like the Royal Wedding the idea is perfect for budget travellers looking for a cheap place to bed down in cities where no campsites even exist, and is likely to flourish during the London Olympics - where else could you stay in central London for £10 a night?


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Blog Archives
Game Preview – Game 34: Washington Capitals @ Your New Jersey Devils!
Washington Capitals (17-14-1, 35 points) vs New Jersey Devils (18-14-1, 37 points)
Radio: WFAN 660 AM
Tonight will be the third of four matchups between the Devils and the Capitals. Most recently, they split a home-and-home on November 11 and 12, which saw the Capitals collect the win in New Jersey, and the Devils return the favor in Washington.
Devils Picking Up Play:
Despite being only four games over .500, the New Jersey Devils' play recently has been picking up. Before their 4-1 loss Tuesday against division rivals, the New York Rangers, the Devils were on a season-high four game winning streak.
Looking at the standings, the Devils currently sit fourth in the Atlantic Division, but are still within striking distance of the teams above them. Currently the Devils are five points behind the Penguins, seven behind the Rangers, and nine behind the Flyers. Not only are they within striking distance of division teams, but the Devils currently sit eighth in the Eastern Conference standings. A win tonight, could put them up as high as sixth. Also, their opponents tonight , the Washington Capitals, are only two points behind the Devils for eighth. A win tonight is key for both teams.
Tonight's game at Prudential Center will be an important one for the Devils as they look to get back on the winning side of the standings. Despite having only won half of the games on their home ice, the Devils still have the best penalty kill in the league. And while their powerplay is good enough for 27th out of 30, the Devils might catch a break due to the Capitals having collected the least amount of points, in the East, while on the road.
Last Game Against Washington:
Final Score: 3-2 SO
The Devils found themselves down 2-0 to end the first period, but goals from Petr Sykora and Ryan Carter tied the game up shortly before the end of the second period.
After a scoreless third period and overtime, the game went into a shootout. Zach Parise scored in the first round for the Devils, but the next skater for the Capitals was Alexander Ovechkin who got one past Johan Hedberg. The shootout remained tied until the fourth round when David Clarkson, of all people, scored the game winner.
Projected Devils Lineup:
Parise (C) – Henrique – Kovalchuk (A)
Sykora – Elias (A) – Zubrus
Tedenby – Zajac – Clarkson
Sestito – Carter – Janssen
Salvador – Foster
Volchenkov – Urbom
Taormina – Fayne
*Note: Adam Larsson has been granted permission to return to Sweden to attend his grandmother's funeral. He is expected to miss tonight's game as well as Monday's game against Carolina.*
The Latest on the Washington Capitals:
It's hard to imagine that the Capitals have gone 10-14-1 since they started the season at 7-0-0. A lot has changed since than including a coaching change. After firing Bruce Boudreau, the Capitals now have Dale Hunter behind the bench calling the shots.
In their last game, on Tuesday, the Capitals defeated the Nashville Predators by a score of 4-1. After this win, the Capitals have won four out of their last six proving that the Capitals team looks to have their feet back under them. The bright side of this victory was that the Capitals big-three, Ovechkin, Backstrom, and Semin all had a goal in the game. Surprisingly, this was the first time this had happened since October 2010.
Injury wise, the Capitals are still missing Mike Green, who is still recovering from a groin injury suffered six weeks ago. Besides him, no impact players are missing from their lineup.
Also, it is being reported that the Capitals will be wearing their third jersey tonight at Prudential Center. These are the jerseys that the Capitals wore during the Winter Classic last season.
Projected Capitals Lineup:
Ovechkin (C) – Laich – Brouwer
Johansson – Backstrom (A) – Semin
Chimera – Halpern – Ward
Hendricks – Perrault – Knuble (A)
Alzner – Carlson
Schultz – Wideman
Hamrlik – Orlov
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Game Preview – Game 20: Columbus Blue Jackets @ Your New Jersey Devils!
New Jersey Devils (10-8-1, 21 points) vs Columbus Blue Jackets (5-13-2, 12 points)
TV: MSG Plus 2
Radio: WFAN 660 AM
Tonight will be the first and only time this season that the New Jersey Devils and the Columbus Blue Jackets will meet. Last season, they met on March 20 in Columbus in which the Devils won 3-0 to secure Martin Brodeur's 115th career shutout.
Devils vs Blue Jackets Recap:
The Devils were able to score three goals in under four minutes to give themselves a 3-0 lead going into the first intermission. The team look great. But, a 3-0 lead is always said to be the worst lead in hockey.
It proved to be true, as the Panthers scored two goals in each the second and third period. Tomas Fleischmann's goal with 2:03 left in the third period proved to be the difference.
The Devils wrapped up their five game road trip with a 3-2 record.
Devils Injury Updates:
Anton Volchenkov (facial laceration) missed most of Monday's game against Florida, but will play tonight.
Eric Boulton (non-displaced fracture in right hand) has been assigned to Albany (AHL) for conditioning purposes.
Tim Sestito has been recalled from Albany (AHL).
Travis Zajac (torn Achilles tendon) has been cleared by doctors, and is expected to practice with the team in two weeks.
Jacob Josefson (broken clavicle) is still recovering and isn't expected back until March.
Against the Blue Jackets:
All-time the Devils are 7-2-2-0 when playing the Blue Jackets and 3-0-1-0 when playing in New Jersey.
Patrik Elias is the all-time leading scorer for the Devils against the Blue Jacketswith 8 points (3 goals, 5 assists) in 10 games played.
Ilya Kovalchuk, however, has the most career points against the Blue Jackets with 11 points (3 goals, 8 assists) in nine games played. Kovalchuk is also two points away from notching his 100th career point as a New Jersey Devil.
Martin Brodeur is 6-2-2-0 in his career against the Blue Jackets with a 2.17 GAA.
Projected Devils Lineup:
Parise – Henrique – Kovalchuk
Sykora – Elias – Zubrus
Palmieri – Carter – Clarkson
Tedenby – Sestito – Janssen
Greene – Larsson
Tallinder – Fayne
Volchenkov – Salvador
Columbus Coming off Back-to-Back Wins:
The Columbus Blue Jackets find themselves last in the NHL standings with a 5-13-2 record. However, they have momentum they need coming into tonight's game.
The Jackets beat the Flames Monday night, 4-1, and now have back-t0-back wins for the first time in 42 games, stretching back to February 2010. Luckily for them, this stretch wasn't close to the NHL record for games played without back-to-back victories, which is 173 set by the Washington Capitals from the 1974-75 season to the 1976-77 season.
The team hopes these wins, will jump-start the team's offense and defense, and get them out of the slump they are currently in.
Blue Jackets and Devils Stats and Tidbits:
While David Vyborny has the most career points, all-time, as a Blue Jackets against New Jersey, seven points (3 goals, 4 assists), Vinny Prospal has the most career points among active Blue Jackets with 34 points (12 goals, 22 assists) in 50 games played.
The last trade between these two clubs happened back in 2003 when the Devils acquired Grant Marshall for a 2004 Conditional Draft Pick.
Curtis Sanford is expected to start between the pipes tonight for the Blue Jackets. He has a career record of 0-1-0 against the Devils with a 3.57 GAA.
Projected Blue Jackets Lineup:
Nash – Carter – Umberger
Prospal – Letestu – Johansen
Vermette – Pahlsson – Dorsett
Calvert – MacKenzie – Boll
Tyutin – Nikitin
Methot – Wisniewski
Moore – Clitsome
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Game Preview – Game 19: Your New Jersey Devils @ Florida Ice Cats
New Jersey Devils (10-7-1, 21 points) @ Florida Panthers (10-6-3, 23 points)
TV: MSG Plus
Radio: WFAN 660 AM
The Devils will get their first look at the Florida Panthers this season. They will play the current Southeast Division leader four times this season. Last year, the Devils and Panthers split the season series 2-2, but the Devils outscored the Panthers 12-10.
Devils Roll Past Lightning:
The Devils and Lightning met up on Saturday Night as the Devils came off a split back-to-back series against the Bruins and Sabres. The Devils hoped to ride the momentum they gained as they scored five goals on the Sabres last Wednesday.
After the first period remained scoreless, the Devils went into the third period leading 3-0 with goals from Dainius Zubrus, Patrik Elias, and David Clarkson.
The Devils defense held the Lightning to only 13 shots between the first two periods of play, but the Lightning came out firing in the third period. Brodeur kept the Lightning scoreless for 51 minutes until Martin St. Louis and Ryan Shannon would score within a minute and a half of each other to pull the Lightning within one.
Ryan Carter would score a goal with 2:03 left in the third, to seal the Devils victory.
Leaders for the Devils:
Elias – 18 points
Parise – 11 points
Henrique – 11 points
Elias – 8 goals
Clarkson – 7 goals
Parise – 6 goals.
Elias +2
Fayne +2
Greene +2
Hedberg – 6 wins
Brodeur – 4 wins
Hedberg – 2.45
Brodeur – 2.88
Save %
Hedberg – .914
Brodeur – .888
Against the Panthers:
All-time the Devils are 43-21-9-0 when playing the Panthers and 20-12-5-0 when playing in Florida.
Patrik Elias is the all-time leading scorer for the Devils against the Panthers with 40 points (20 goals, 20 assists) in 47 games played.
Ilya Kovalchuk, however, has the most career points against the Panthers with 63 points (32 goals, 31 assists) in 53 games played.
Martin Brodeur is 36-14-8 in his career against the Panthers with a 2.00 GAA.
Projected Devils Lineup:
Parise – Henrique – Kovalchuk
Sykora – Elias – Zubrus
Tedenby – Carter – Clarkson
Pelley – Mills – Janssen
Greene – Larsson
Tallinder – Fayne
Volchenkov – Salvador
Panthers Hot Start Has Them Looking at Playoffs:
With the acquisitions the Panthers made this offseason, fans didn't know what to think. They had lost star goaltender Tomas Vokoun to the Capitals, and signed Jose Theodore to replace him between the pipes. The Panthers also had Kris Versteeg, Scottie Upshall, Brian Campbell and Tomas Fleischmann all join the squad.
Currently Versteeg, Campbell, and Fleischmann are all averaging close to a point a game and somehow the Panthers find themselves in first place in the Southeast division with the competitive Capitals and Lightning looking up.
The last time the Panthers made the playoffs, Pavel Bure led the team in points and Bill Clinton was the President of the United States.
Panthers Career Stats Against Devils:
Stephen Weiss leads active Panthers in career points against the Devils with 16 points (5 goals, 11 assists) in 28 games.
All-time leaders for the Panthers include Scott Mellanby and former Devil, Rob Niedermayer, both have 20 points against the Devils as Panthers.
Jose Theodore is 7-14-2 in his career against the Devils with a 2.67 GAA.
Projected Panthers Lineup:
Fleischmann – Weiss – Versteeg
Sturm – Goc – Kopecky
Dadanov – Santorelli – Bergenheim
Kennedy – Matthias – Skille
Campbell – Garrison
Ellerby – Jovanovski
Weaver – Kulikov
Follow the Devils Army Generals on Facebook and on Twitter for more in-depth coverage of Jersey's Team.
Game Preview – Game 16: Your New Jersey Devils @ The BruCrew
New Jersey Devils (8-6-1, 17 points) @ Boston Bruins (8-7-0, 16 points)
TV: MSG Plus 2
Radio: WFAN 660 AM
Tonight marks the first of four games, and first of two in Boston, between the Devils and the Bruins. Last year, the Bruins took the season series 3-1. The Devils beat the Bruins in the final game of the season in a game which meant nothing for either side and saw the Bruins rest some key players, including Tim Thomas (who was 3-0 against the Devils last year).
Devils Win Again in Shootout:
In their last game, the New Jersey Devils looked to be heading for another loss. The Devils found themselves down 2-0 in the second period, until Petr Sykora snapped a shot off a faceoff to pull the Devils within one. Ryan Carter then deflected a shot with just over a minute left in the second period to tie the score.
The Devils held on and Johan Hedberg made remarkable save after remarkable save to force the game into OT and a shootout.
The Devils sent out Zach Parise, Adam Henrique and Patrik Elias in the shootout with Parise scoring. However, Alex Ovechkin scored for the Washington Capitals, so a fourth round was needed. The fourth shooter was chosen by Assistant Coach Adam Oates, and it was David Clarkson. Clarkson was able to put the puck past Capitals goaltender Michael Neuvirth giving the Devils the extra point and the win.
Will Ilya Kovalchuk Play Tonight?:
I wish I could tell you either yes or no.
After injuring his groin in the Devils' 4-3 win over Philadelphia two weeks ago, Ilya Kovalchuk started participating in full-team practices with the Devils. He was skating as an extra forward with Rod Pelley. During this morning's skate, Kovalchuk was skating as an extra forward again, BUT was a part of the first powerplay unit when the team ran through powerplay drills.
Originally, Head Coach Peter DeBoer, who officially confirmed the injury to Kovalchuk is a groin injury, said that Kovalchuk would NOT play tonight. However, he will now let Kovalchuk participate in the pre-game warmup.
DeBoer had an idea to use Kovalchuk in only powerplay instances tonight, but felt that Kovalchuk would get stiff while sitting on the bench in between powerplay opportunities.
Odds are Kovalchuk will be scratched again tonight, but it will be a game time decision.
Against the Bruins:
All-time the Devils are 41-44-15-2 against the Bruins, and are 19-23-8-2 when playing in Boston.
Patrik Elias is the all-time leading scorer for the Devils against the Bruins with 39 points (21 goals, 18 assists) in 50 games played.
Ilya Kovalchuk, however, has the most career points against the Bruins with 40 points (22 goals, 18 assists) in 37 games played.
Johan Hedberg is 4-8-2 in his career against the Bruins with a 2.93 GAA.
Projected Devils Lineup:
Parise – Henrique – Palmieri
Sykora – Elias – Zubrus
Tedenby – Carter – Clarkson
Zharkov – Mills – Janssen
Greene – Larsson
Tallinder – Fayne
Volchenkov – Salvador
Lucic Not Suspended:
The talk of the NHL world this past weekend was whether or not Bruins forward Milan Lucic was going to get suspended for his hit on Buffalo Sabres' goaltender Ryan Miller. Miller left the game and was later diagnosed with a concussion.
Lucic met with Brendan Shanahan on Monday to discuss disciplinary actions, but the decision was made not to suspend him. Shanahan felt that there wasn't evidence of the hit being outstandingly bad that warranted a suspension.
Many in the NHL and fans were angry with Shanahan's decision and believe that if an injury occurs on the play, there should be a suspension.
Seguin earns NHL First Star of the Week:
The Bruins hot offense has been sparked by NHL sophomore, Tyler Seguin.
Seguin, the second overall draft pick in the 2010 NHL Entry Draft, has scored seven goals in his last four games.
He currently has the league's top plus/minus at +14, is tied for second in the league in goals (11) and tied for fourth in the NHL in points (20).
Projected Bruins Lineup:
Marchand – Seguin – Bergeron
Lucic – Krejci – Horton
Thornton – Campbell – Caron
Peverly – Kelly – Hamill
Chara – Boychuk
Corvo – Seidenberg
Ference – McQuaid
Follow the Devils Army Generals on Facebook and on Twitter for more in-depth coverage of Jersey's Team.
Game Preview – Game 8: Your New Jersey Devils @ Winnipeg Jets Version 1.0
New Jersey Devils (4-2-1) @ Phoenix Coyotes (3-3-2)
TV: MSG Plus
Radio: WFAN 660 AM
Tonight is the only game between the Devils and the Coyotes this season. The two teams last met on December 16, 2010 at Prudential Center. That game saw Ilya Kovalchuk score a pair of goals and Martin Brodeur stop all shots, leading the Devils to a 3-0 win.
Devils @ Kings Recap:
In their last game against the Los Angeles Kings on Tuesday, the New Jersey Devils played a complete team game. Passing was tape-to-tape and it appeared that the team was having fun out on the ice.
Dainius Zubrus led the team's efforts with a pair of goals in the matchup, leading the Devils to a 3-0 victory. Patrik Elias also scored, assisted by Petr Sykora. It appears that not only did Elias and Sykora find their old chemistry again, but Zubrus appears to be the Arnott-style player they needed on the line with them.
Johan Hedberg was completely outstanding again, stopping all shots fired at him. This shutout was Hedbergs 18th career shutout and he now improves to 4-1-1 on the season as Martin Brodeur continues to recover from a shoulder injury.
Zach Parise also played his first game as a center this season, in between Ilya Kovalchuk and Nick Palmieri. The line did not produce any points in the game; however, Parise did have a 64% face-off percentage. Not too bad for his first game.
Devils Claim Carter off Waivers:
On Wednesday, the Devils claimed center Ryan Carter off of waivers from the Florida Panthers. Carter has no points, six penalty minutes and is a -1, so far this season.
Carter had been playing with the Florida Panthers for the first seven games this season. He was acquired by the Panthers last year from Carolina. Coach DeBoer had the opportunity to work with him in Florida and is excited for what Carter can bring to the Devils.
Over his career, Carter has played 189 games and has 14 goals & 21 assists. He has previously played for Florida, Carolina and Anaheim.
Carter is participating in the morning skate at Jobing.Com Arena in Phoenix this morning wearing number 20. He is centering Mills and Janssen, meaning Rod Pelley is the extra forward.
Interesting Trivia: Carter got his first two NHL goals on February 8, 2008 in a 2-1 Anaheim win over the New Jersey Devils, scoring both on Martin Brodeur.
Against the Coyotes:
All-time the Devils are 18-29-7-0 in 54 games played against the Phoenix Coyotes/Winnipeg Jets.
Patrik Elias has the most points in his career, among active Devils with 15 points (6 goals, 9 assists) in 18 games played against the Coyotes.
John MacLean has the most career points, among any Devils player, with 20 points (13 goals, 7 assists).
Johan Hedberg is 3-5-1 against the Coyotes in his career, sporting a 3.54 GAA.
Projected Devils Lineup:
Kovalchuk – Parise – Palmieri
Sykora – Elias – Zubrus
Tedenby – Henrique – Clarkson
Greene – Larsson
Tallinder – Fayne
Volchenkov – Salvador
Coyotes Coming Off A Loss:
Coyotes captain, Shane Doan, reached the 300-goal milestone in front of hometown Phoenix on Tuesday in a game against the Dallas Stars. The third period goal would give the 'Yotes a 2-1 lead, but they could not hang on as they fell 3-2 in a shootout. Upon collecting his 300th goal, Doan now joins only Scott Mellanby as players to score 300 goals, but never score a hat trick.
Lucky Alternate Jersey?:
The Coyotes will wear their alternate black jerseys every Thursday and Friday home game this season. Currently this season, they're 0-1-0 while wearing the jersey, but they will look to turn that around tonight. Last season, the Coyotes were 8-5-1 while wearing the jerseys and have put up a total of 21-8-2 since debuting the jersey for the 2008-2009 season.
Projected Coyotes Lineup:
Ekman-Larsson – Aucoin
Follow the Devils Army Generals on Facebook and on Twitter for more in-depth coverage of Jersey's Team


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Wellness Treatments:
Most Popular in:
Nutrition Treatments
Nourish Your Spa
By: Anna Maltby
Posted: May 30, 2008, from the June 2008 issue of Skin Inc. magazine.
page 5 of 5
You can also provide food products to sell to clients, which is the practice at Regency Health Resort and Spa in Hallandale, Florida. Its special food Web site offers healthy salad dressings, frozen vegan soups and vegetarian entrees, and vegan cookies for home delivery. Another resource for delicious recipes and education about nutrition is Skin Inc. magazine's monthly Spa Cuisine column; this month's, which focuses on almonds, can be found on Page 48.
Sooner or later, instead of a scary, nine-letter word, nutrition will become your spa's best friend. "If you go to a spa and someone gives you nutritional and lifestyle advice, it shows a real interest in you, not just in your skin," Lam says. That spells satisfaction for your clients and repeat business for you.


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Eventually, Wilder and Field moved to Nashville, where Field landed a publishing deal that funded the recording of the 1989 Wilder album Hybrid Vigor. A minor classic, the disc contains rip-snorting, Field-penned sendups like the AC/DC-meets-the-traveling-circus anthem "Human Cannonball," and "Cold Front," a Stonesy Savannah stomp. Followups such as 1991's Doo Dad and 1993's Nashville were just as entertaining, benefiting from the down-home humor, Flannery O'Connor characters and humbucking bliss that exemplifies Field's rich compositions.
"Bobby's a different kind of songwriter," Wilder says. "He's got a lot of fresh subject matter and zinger one-liners, and he's a guy who's really good at writing rock and roll, which is something that a lot of songwriters are not good at. He's an incredibly talented and very interesting fellow who could've made a jillion albums of his own but got caught up in being an in-demand, behind-the-scenes guy." Field's production credits include discs by John Mayall and Sonny Landreth, and he's written hits for the Fabulous Thunderbirds, among others.
As for Wilder, he's appeared as an actor in the Peter Bogdanovich feature A Thing Called Love and a series of Field-produced short films known under the blanket title Corn Flicks. In the latter, which won praise from low-budget movie critic Joe Bob Briggs, Wilder portrays a private eye whom he describes as "Fess Parker on Thorazine." But don't expect him to go Hollywood. He still lives in Nashville, even though he's nobody's idea of a typical Music City resident. "I'm sort of like the token integrity guy here," he notes.
Whether or not this makes Wilder worthy of being memorialized in stone is anyone's guess--but he's hopeful that such a tribute will someday come his way. "I think the states are arguing over it now," he says. "They were hung up on the cost of it or something. It's really just tied up in red tape."
Webb Wilder. 8 p.m. Wednesday, September 17, Bluebird Theater, 3317 East Colfax Avenue, $8, 322-2308 or 830-


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By Harriet Blake
Green Right Now
Pollution from ships along the U.S. and Canadian coasts will be greatly reduced by August, 2011, when an international shipping reduction plan goes into effect.
The change will literally save lives, says David Marshall, senior counsel for the Clean Air Task Force, a nonprofit dedicated to restoring clean air and healthy environments by using science, education and legal advocacy.
Adopted last week by the International Maritime Organization (IMO), the plan will require reductions in ship emissions for both nitrogen and sulphur oxides along the coastal areas of North America and Canada. The IMO is the UN agency whose focus is regulating the environmental and safety elements of international shipping.
Nitrogen and sulphur oxides have long been associated with contributing to acid rain and leading to shortened lifespans. Particulate pollution from shipping impacts public health ranging from heart attacks and strokes to lung cancer and a variety of respiratory problems, up to and including premature death.
"This is a great step forward for health and the environment," says Marshall. These measures, he says, are far more stringent than previous regulations.
The international shipping reduction plan designates all sea areas within 200 miles of the U.S. and Canadian mainland coastline as "emission control areas" which means that there are stricter pollution rules for ships within these boundaries.
"The IMO's regulation of air pollution from international shipping consists of two layers," says Marshall. "First, IMO has established a set of emission requirements that apply globally. However, countries that wish to have stricter standards apply to their coastal areas that are impacted by international shipping may seek to have such areas designated by the IMO as 'Emission Control Areas,' or ECAs." The latter is the route taken by the US and Canada. Their coastline is known as the North American ECA. Other geographical areas designated as ECAs by the IMO so far are the North Sea/English Channel and the Baltic Sea — for sulfur emissions only. These two European ECAs impact the coasts of all of the areas surrounding those seas–such as the United Kingdom, northern Europe, Scandinavia, and northeast Russia.
"For too long," says Marshall, "ships have spewed enormous amounts of pollution along our coasts and in our ports. We applaud the expeditious action by the IMO in adopting this proposal to clean up shipping fuels and emissions."
Traditionally, ships have burned some of the planet's dirtiest fuel. Ship pollution is more than 3,000 times dirtier than the fuel burned in U.S. and European diesel cars and trucks, according to the Clean Air Task Force. Ships generate millions of tons of sulfur every year, totaling 10 percent of global sulfur oxide emissions. The end result is acid rain and the formation of secondary fine particulates, which are a major threat to human health.
Marshall is pleased with the IMO's plan but is disappointed in the IMO's lack of progress on lessening shipping's contribution to climate change.
He says that in the 10 years since the Kyoto Climate Treaty, the IMO has not yet adopted one measure specifying reductions of greenhouse gas emissions. These reductions are essential, he says, because emissions of carbon dioxide from international shipping measure about 1 billion tons annually, roughly the size of Germany's emissions.
Copyright © 2010 Green Right Now | Distributed by GRN Network


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Welcome to ANDRITZ
The ANDRITZ GROUP is a globally leading supplier of plants, equipment, and services for hydropower stations, the pulp and paper industry, the metalworking and steel industries, and solid/liquid separation in the municipal and industrial sectors. In addition, ANDRITZ offers technologies for certain other sectors including automation, the production of animal feed and biomass pellets, pumps, machinery for nonwovens and plastic films, steam boiler plants, biomass boilers and gasification plants for energy generation, flue gas cleaning plants, plants for the production of panelboards (MDF), thermal sludge utilization, and biomass torrefaction plants.
Latest important press releases:
ANDRITZ acquires Herr-Voss Stamco, USA
International technology Group ANDRITZ has acquired Herr-Voss Stamco Inc., headquartered in Callery, Pennsylvania, USA, and is thus enlarging its service and product offerings for North American customers in the metals sector.
ANDRITZ to supply tidal current turbines to MeyGen, Scotland
ANDRITZ HYDRO Hammerfest, part of international technology Group ANDRITZ, has received an order from MeyGen Ltd. to supply three 1.5-megawatt tidal current turbines to the planned tidal array in the Inner Sound of the Pentland Firth, Scotland.
ANDRITZ GROUP: solid business development in the third quarter of 2014
In the third quarter of 2014, international technology Group ANDRITZ showed solid business development in an unchanged challenging economic environment


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Namaste ,Welcome To Rudraksha from Nepal
Rudraksha beads
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e-mail :- email@example.com
Phone: +977-9851087849
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Metrokane Complete Cheese Service Model:8001
Metrokane Complete Cheese Service
The artfully crafted Metrokane Complete Cheese Service (8001) is a must-have when entertaining guests. You'll be sure to wow them with the cheeseboard, made of high-quality fine-grained bamboo. On the underside of the board sits a lucite case that securely holds three (3) stunning forged stainless steel cheese tools - a cheese knife, planer and spreader. The case itself slides out for easy access.
When using the cheeseboard you'll enjoy the generous amount of space you have to lay out your spread, and when you're all done, cleanup is a cinch as the bamboo cheeseboard is smooth and exceptionally easy to clean.
Integrated Case:
The tough, flush-mounted lucite case holds the cheese tools securely underneath the cheeseboardTotal Package:
This cheeseboard comes with a refined set of matching stainless steel cheese tools: knife, planer and spreaderHigh-Quality Construction:
The board itself is made out of sturdy and attractive fine-gained bamboo


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No spittin', no swearin', no instigatin'...
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Moderator: Baseball Moderators
by StAlEfReNcHfRi91 » Fri Oct 31, 2003 8:05 am
by rotodog in disguise » Fri Oct 31, 2003 9:04 am
by DK » Fri Oct 31, 2003 9:32 am
by harmsway01 » Sat Nov 01, 2003 9:58 pm
by d » Sun Nov 02, 2003 12:23 am
by harmsway01 » Sun Nov 02, 2003 6:42 pm
rotodog in disguise wrote:I dont like the idea of a Free league.I have 3 leagues now and I am going to be dropping the All star league I mentioned earlier.Even at$100 a pop we have winnings tyo distribute.The quality of the owners and play would be Top Notch because most here seem to Want to be TOUTS anyhow.Consider it the MINOR LEAGUES for the big guys leagues.Just make sure it is deep with enough teams or players for each team to make Todd Hollandsworth worth a roster spot.If you are here reading this you have a good idea who the third guy in line for a job is anyhow......We could also post all the results ,trades,FA 's here at the site for the fantasy world to see and spark discussion on why we made such moves.Maybe in a couple of years someone in the BIG publishing world will pick up on it also.We would all be HUGE STARS!!!(One can dream can't he?).Keeper style I personally think is best......Keep up the great work!!......rotodog
by harmsway01 » Tue Nov 04, 2003 7:06 pm
by DK » Tue Nov 04, 2003 7:12 pm
by Pokeyouindaeye » Tue Nov 04, 2003 7:32 pm
by rotodog » Tue Nov 04, 2003 9:09 pm
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Idealist Happy Hour: Where practical dreamers meet and greet
Here at Idealist, we're all about connecting. We connect organizations with great volunteers, job seekers with their dream positions, and people with one another to create a more networked world, where no opportunities for action or collaboration are missed.
Idealist.org offers an incredible online directory of people and organizations working in social impact, and the Idealist community is full of brilliant, passionate folks making the world a better place. If you've been reading this blog, then you know what I'm talking about.
On Tuesday, we decided to try taking our network offline. We got ourselves a little space at a nearby bar and invited a bunch of people we knew from organizations around the city to join us for an after work happy hour. We also asked them to invite some friends to come along. Almost a hundred people signed up.
Staff from education organizations mingled with volunteers from animal rescue groups. A recent graduate from an international development program chatted with the volunteer coordinator of a New Jersey community development organization. And the director of a group that teaches underserved students to make their own music teamed up with an organization that teaches children to animate in the hopes of creating movies with soundtracks.
Basically, lots of awesome people met lots of other awesome people and awesomeness ensued. We love seeing our community in real life, and we love introducing you to each other even more. We're continually inspired by the work you all do, and we're excited about the endless possibilities that arise when we work together.
We hope to bring happy hours like this to more cities this year, so stay tuned for an event near you!
Unfortunately, we can't all be in a bar together all the time, but you can always use Idealist to find people and organizations to connect with online. If you haven't already, go to idealist.org/me, fill out your profile, and tell the community all about what you have to offer and who you'd like to meet.


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Well, MT has gone to version 3.0 and changed their licencing terms and conditions as well as making the product more expensive. The backlash has already started but no doubt people will migrate away from MT, and when they do, Free Software like b2++ and WP will be waiting for them!
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PlasmaGlow Xenon Bulbs Reviews Was pleased with what I got Reviewed By Gary L (PELLA, IA) —1/28/2015 9:37 PM The were shipped and arrived quickly.Very easy to install.Much better light than the old halogen bulbs! View More Reviews
Vision X Superwhite Headlight Bulbs Reviews Much whiter than the stock headlights. Reviewed By JUSTIN B (FOLEY, AL) Reviewed for a 2014 Ford F-150 —1/27/2015 2:06 AM They are much better than the one's that came on the truck. 2014 F-150. View More Reviews
PIAA Xtreme White Bulbs Reviews Awesome Reviewed By Huntington F (Plano, TX) Reviewed for a 2002 Dodge Ram —1/26/2015 8:07 PM Really bright can see really far View More Reviews


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World English Bible (WEB) | New International Version (NIV) |
1 Oh that you would tear the heavens, that you would come down, that the mountains might quake at your presence, | 1 Oh, that you would rend the heavens and come down, that the mountains would tremble before you! |
2 as when fire kindles the brushwood, [and] the fire causes the waters to boil; to make your name known to your adversaries, that the nations may tremble at your presence! | 2 As when fire sets twigs ablaze and causes water to boil, come down to make your name known to your enemies and cause the nations to quake before you! |
3 When you did terrible things which we didn't look for, you came down, the mountains quaked at your presence. | 3 For when you did awesome things that we did not expect, you came down, and the mountains trembled before you. |
4 For from of old men have not heard, nor perceived by the ear, neither has the eye seen a God besides you, who works for him who waits for him. | 4 Since ancient times no one has heard, no ear has perceived, no eye has seen any God besides you, who acts on behalf of those who wait for him. |
5 You meet him who rejoices and works righteousness, those who remember you in your ways: behold, you were angry, and we sinned: in them [have we been] of long time; and shall we be saved? | 5 You come to the help of those who gladly do right, who remember your ways. But when we continued to sin against them, you were angry. How then can we be saved? |
6 For we are all become as one who is unclean, and all our righteousness are as a polluted garment: and we all do fade as a leaf; and our iniquities, like the wind, take us away. | 6 All of us have become like one who is unclean, and all our righteous acts are like filthy rags; we all shrivel up like a leaf, and like the wind our sins sweep us away. |
7 There is none who calls on your name, who stirs up himself to take hold of you; for you have hid your face from us, and have consumed us by means of our iniquities. | 7 No one calls on your name or strives to lay hold of you; for you have hidden your face from us and made us waste away because of our sins. |
8 But now, Yahweh, you are our Father; we are the clay, and you our potter; and we all are the work of your hand. | 8 Yet, O LORD, you are our Father. We are the clay, you are the potter; we are all the work of your hand. |
9 Don't be angry very sore, Yahweh, neither remember iniquity forever: see, look, we beg you, we are all your people. | 9 Do not be angry beyond measure, O LORD; do not remember our sins forever. Oh, look upon us, we pray, for we are all your people. |
10 Your holy cities are become a wilderness, Zion is become a wilderness, Jerusalem a desolation. | 10 Your sacred cities have become a desert; even Zion is a desert, Jerusalem a desolation. |
11 Our holy and our beautiful house, where our fathers praised you, is burned with fire; and all our pleasant places are laid waste. | 11 Our holy and glorious temple, where our fathers praised you, has been burned with fire, and all that we treasured lies in ruins. |
12 Will you refrain yourself for these things, Yahweh? will you hold your peace, and afflict us very sore? | 12 After all this, O LORD, will you hold yourself back? Will you keep silent and punish us beyond measure? |
The World English Bible is in the public domain. (The World English Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Now that we are fairly regular visitors, we try to take it easy and do something other than just running from attraction to attraction.
There are many fine restaurants to try. We're doing Yachtsman's Steakhouse and Chefs de France for new places this December.
We've done Food and Wine, Flower and Garden, and a Star Wars Weekend (just DD#1 and myself) in the last 3 trips.
We try and spend some time at the resort, enjoying it instead of just using it as a bed.
We haven't done any tours yet, but are considering them in the near future.
Website work in progress: WDW Untangled: Fastpass+ - Rider Switch - ADR Calculator - Magic Your Way Ticket Price Calculator
Non-WDW: Sci-Fi Storm - SF/Fantasy news