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by Robin Miller in Robin's Healthy Take, April 16, 2013
The chimichanga, or chimi as it's affectionately termed in the Southwest, is a deep-fried burrito stuffed with meat, vegetables and spices. Once fried to perfection, chimichangas are often topped with cheese and served with a variety of condiments, such as green onions, diced tomatoes, guacamole, sour cream and black olives. Sounds delicious, right? It is delicious, but consider that one restaurant-style chimi has around 760 calories, 34 grams of fat and 1,930 mg of sodium. With that much sodium, you're done for the day — you'll have reached your daily max in sodium in only one meal. Store-bought frozen chimichangas fare slightly better, with around 300-500 calories, 25 grams of fat and 1,200 mg of sodium per serving. Filling aside, it's the deep-frying that does most of the damage. Regular burritos have about 200-300 calories and 10-20 grams of fat each, but drop them into the deep-fryer and you can add 225 calories and 21 grams of fat to each burrito. Yes, the deep-fried, crunchy exterior is great, but not worth the health consequences, especially when a healthier version is so easy to make.
You can stuff flour tortillas with delicious ingredients and then bake the chimichangas in the oven for the same, amazing result. Try this recipe and let me know if you agree.
Beef and Cheese Chimichangas
Cooking spray
1 pound extra lean ground beef
1/2 cup chopped white onion
2 cloves garlic, minced
1 teaspoon dried oregano
1 cup picante sauce, regular, medium or hot, plus extra for serving on the side if desired
6 medium flour tortillas (soft taco size)
2 tablespoons chopped fresh cilantro
Salt and freshly ground black pepper
1/2 cup shredded Mexican cheese blend
1/2 cup chopped green onions
1 beefsteak tomato, chopped
2 tablespoons sliced black olives
Preheat the oven to 350 degrees. Coat a large baking sheet with cooking spray.
Coat a large skillet with cooking spray and preheat to medium-high. Add the beef to the pan and cook until browned, breaking up the meat as it cooks.
Drain away all fat and return the beef to the pan over medium-high heat. Add the onion, garlic and oregano and cook for 3 minutes, until the onion is soft and the oregano is fragrant. Add the picante sauce and cook for 1-2 minutes, until the liquid is absorbed. Remove from heat, stir in the cilantro and season to taste with salt and pepper.
Arrange the tortillas on a flat surface. Spoon the beef mixture onto the center of each tortilla. Fold over half of the tortilla to cover the filling, tuck in the ends and continue rolling up. Transfer the stuffed tortillas to the prepared baking sheet, seam side down, and spray the surface with cooking spray. Top the tortillas with the cheese. Bake for 15 minutes, until the tortillas are golden brown and the cheese melts.
Serve the chimichangas with the green onions, tomato and black olives.
Serves 6
Nutrition Info Per Serving
Calories: 279
Total Fat: 9 grams
Saturated Fat: 3 grams
Total Carbohydrate: 32 grams
Sugars: 3 grams
Protein: 18 grams
Sodium: 551 milligrams
Cholesterol: 38 milligrams
Fiber: 1 gram
Robin Miller is a nutritionist, host of Quick Fix Meals, author of "Robin Rescues Dinner" and the busy mom of two active little boys. Her boys and great food are her passion. Check her out at www.robinrescuesdinner.com.
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Good morning,
You often wonder what you would do in these situations. In the second case, the fear of prosecution over shooting an unarmed (even though, quite justified) BG is something we have to face as well. At any rate, what are your thoughts...
youtube video:
(Motel clerk shoots Robber)
google video:
(Convenience Store clerk shoots unarmed robber)

subset: commoncrawl


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IA: Top Cop Trampled Citizen's Rights
by Paul Bass and Thomas MacMillan | Mar 3, 2011 5:32 pm
(24) Comments | Commenting has been closed | E-mail the Author
Posted to: Legal Writes
The lawyer for a citizen arrested for video-recording cops claimed "vindication" Thursday from a new internal affairs report that may offer ammunition for a lawsuit against the city.
The report, by the police department's internal affairs unit, found that then-Assistant Chief Ariel Melendez not only broke department policy when he ordered the citizen, Luis Luna, arrested early in the morning of Sept. 25 for taking a video of cops making an arrest. He also broke policy by ordering one of his officers to take away Luna's camera and erase the video he had recorded.
Read the report here.
"The report is a complete vindication of my client," Luna's attorney, Diane Polan, said in an interview Thursday. "It shows that the police clearly acted illegally. Melendez acted illegally. It also shows that the city is responsible because of their failure to train at the highest levels as to what is lawful and what is a violation of the First Amendment.
"If the assistant chief doesn't know what the policy is, who underneath him doesn't know?"
Polan said her client hasn't yet decided whether to file a suit; first he needs to have his name cleared in court of charges that he "interfered with police."
"We're certainly considering litigation against both Melendez and the police department," Polan said.
The Independent first reported on Luna's arrest last November. Police Chief Frank Limon responded by ordering the internal affairs investigation, which is now complete; and by drawing up a new general order instructing his cops that citizens have a legal right to record them, that video-recording never constitutes "interference." And New Haven State Sen. Martin Looney introduced a state bill specifically giving citizens an additional basis to sue cops like Melendez for such arrests.
Meanwhile, Melendez handed in his resignation in January and will receive a $124,500 annual pension. At the time he was at the center of internal investigations into three separate incidents: This incident with Luna; a police raid at Club Elevate, about which the department released a separate internal affairs report Thursday (read about that here); and a collision between a car he was driving and a pedestrian. The pedestrian's family has notified the police that it might sue the department over how it investigated that incident.
Melendez has declined to discuss these incidents with the Independent despite repeated attempts over the past few months.
After a press conference Thursday about the release of the two internal affairs reports, Limon was asked about whether the Luna investigation provides a basis for suing the department and not just Melendez, as suggested by Polan.
"No comment," he said.
"I'd have to look at the case closer," Police Commissioners Chairman Richard Epstein responded to the same question.
"I'm happy to see that internal affairs found him guilty," Luna said in a phone conversation. "From the very beginning, it was clear that he trampled my First Amendment rights."
The findings will help "protect people's rights to videotape police in the public sphere," Luna said.
"I feel vindicated."
Rogue Asst. Chief
The 12-page internal affairs report released Thursday was written by Sgt. Nicholas Marcucio, who conducted the investigation. Marcucio interviewed 13 different cops who had some connection to the events of Sept. 25. He also interviewed Luna with attorney Polan present. (At one point during that interview, according to the report, Marcucio asked Luna about his affiliation with a political group that monitors police misconduct. Polan "stated she did not understand why his political affiliation has any bearing on the investigation," Marcucio wrote. "I did not pursue that line of questioning any further in fear that the interview would be abruptly stopped.")
Marcucio found that Melendez had directly ordered Luna's arrest simply because he was videotaping police arresting three people who had refused to leave the area around College and Crown streets as the bars were letting out and a fight had broken out.
Luna was riding his bike past the area at the time around 1:50 a.m. He was on his way from a visit from Anna LIffey's bar on Whitney Avenue to Mamoun's on Howe Street. He stopped to record the action on the street. He stayed some 15 feet away.
Melendez approached Luna in an "intimidating" manner and told him to stop recording and to scram, according to the report. "Mr. Luna stopped filming and A.C. Melendez grabbed the phone from him and put it in his pocket. Mr. Luna stated he was not given a chance to leave."
After Luna was taken to jail, Melendez walked over to a command post the cops had set up in the entertainment district as part of a crackdown called "Operation Nightlife."
According to the internal affairs report, he handed Luna's iPhone to Officer Curtis Miller, who was at the command post. He didn't tell Miller whose phone it was.
"I need to delete a video. Delete this video," Melendez told Miller, according to the report. He didn't say why. Miller followed the order.
The internal affairs report concluded that Melendez violated Rule 15, Article 42.:
"No employee of the Department shall engage in an any act which would constitute conduct unbecoming an officer."
The report states that Melendez was wrong both to arrest Luna and to erase his video:
"During my interview with Mr. Luna he stated A.C. Melendez took his phone away from him because he was filming police officers, and he was subsequently arrested. During my interviews with Capt. Peterson and Ofc. Curtis Miller they stated A.C. Melendez brought a phone back to the Command Post and ordered Ofc. Curtis Miller to delete video from it. A.C. Melendez knew the phone belonged to an arrestee but did not inform Ofc. Miller and Captain [Joann] Peterson of this until after the video was deleted. Thus, A.C. Melendez's order for Ofc. Miller to erase the video was unlawful.
"The mere act of an individual recording the police officers while performing their duties is not prohibited by Federal or State Statute. The officer must be able to clearly articulate why an individual was arrested for filming. The New Haven Police Department has adopted a 'Video Recording of Police Activity by the Public' Policy. It is currently under legal review."
Otherwise, the report spares all the cops connected with the incident, putting the blame squarely on Melendez's shoulders.
For instance, Luna himself offered no objection to the way Officer Kristen Fitzgerald acted when she followed the order to arrest him.
FItzgerald told Marcucio she had noticed Luna taking photos with his iPhone from 15 feet away. She didn't think twice about him because, she told Marcucio, "[h]e was not saying anything [and] did not pose a threat." She returned to dealing with breaking up the fight. Later, Melendez ordered her to arrest Luna. She said he was "compliant" as she "placed him in handcuffs, patted him down, and walked him over to the prisoner conveyance van."
Post a Comment
posted by: anon on March 3, 2011 5:39pm
Great article.
But whose brilliant idea was it to guarantee taxpayer-funded pensions of $124,500 per year in a city where a typical property tax payment on a house is now higher than many people's entire income?
posted by: Elaine Braffman on March 3, 2011 6:01pm
It doesn't surprise me that Mr.Luna had no objections with Officer Fitzgerald. I have interacted with her on my job as a neighborhood specialist and I have always observed that while she was dealing with the public she was a true professional,a good cop and fair. I am glad she is not being lumped in with anyone who might be found that they were acting inappropriately.
posted by: robn on March 3, 2011 6:09pm
The obvious answer to all of this is to fire those responsible and then give them extremely generous pensions as a reward for leaving the city and enormous and embarrassing lawsuit.
posted by: Judith Lesser on March 3, 2011 6:16pm
Anon, I think you know the answer. The mayor has signed off on these contracts and now is going after the little guys in the city's work force trying to strip them of much smaller reasonable pensions with no social security, and the city workers on special funds who don't receive pension. He is not looking at this very fairly from what I have been reading.
I also find it incredible that this chief wants to fill the vacant positions of assistant chiefs stating the norm is to have lots of administrators to run things right. Oh sure, lets just fill more pockets of administrators with the tax payers hard earned dollars. In fact the employees that live in New Haven and pay taxes are getting cut off at the knees and while that is happening they are contributing to the big shots in police and fire and other administrators. Something is wrong with this picture! I know taxpayers as myself do believe in working families and support these little guys working for the city. I think the mayor is so wrong what he is doing. I really don't see any sacrifice coming from him or his mayoral family on the second floor.
posted by: NH Resident on March 3, 2011 7:23pm
I don't know how this is legally feasible, but if possible please sue Melendez—not the New Haven taxpayers. It will both set a precedent of officers having to be responsible for actions they knew at the time were wrong, and place the financial burden where it belongs. I didn't do anything wrong, so it wouldn't be right for my taxes to go up because of this idiot Melendez. Make him pay for his own actions.
posted by: Allan Brison on March 3, 2011 7:42pm
Congrats to Luis Luna, Diane Polan, the copwatch folks who pressed this case forward, and to the New Haven Police Dept for affirming that citizens DO have a right to film their police in action.
posted by: Mike on March 3, 2011 8:33pm
Allan Brison- you said it all.
Nice. Great. So our top cops pick turned out to be "not so law abiding", it makes me wonder about out top cop now. Is this how its done in Chicago?
posted by: @@@ on March 4, 2011 1:31am
hey Limon, CT transit wants you to come drive for them, because you are really good at driving that bus right over Melendez!
posted by: Paul Martin on March 4, 2011 8:40am
Where can I find this job where I get to carry a gun, arrest people, bully everyone, disobey littering and traffic laws, get a great salary, a fat pension, an early retirement, and no accountability?
posted by: Harry Potter on March 4, 2011 10:41am
ill give you specific examples on why cell phone use should not be tolerated during lawful detentions Mr. Smuts. Then go ahead and try to convince me that anything cant be made into a weapon.
posted by: The Count on March 4, 2011 1:05pm
That man should receive a transfer immediately…to the East Haven P.D.
posted by: streever on March 4, 2011 3:13pm
Harry Potter:
How many police have been attacked with a home made stun gun, wielded by someone from 10-20 yards distance, who was pretending to tape record the police for transparency purposes?
I could make the same argument against rifles. No citizen should be allowed to use one, because they could be hiding on top of a building, and snipe a police officer.
What about cars? A motorist could turn hard, running the officer over, and killing them.
I think an officer can distinguish between someone standing 10+ yards away, video taping, and someone charging them with a hand-held weapon.
posted by: Threefifths on March 4, 2011 4:09pm
posted by: streever on March 4, 2011 3:13pm
I think an officer can distinguish between someone standing 10+ yards away, video taping, and someone charging them with a hand-held weapon.
Can you distinguish between this DUDE!!!
posted by: streever on March 4, 2011 4:36pm
What is your point? That one could disguise a camera as a gun?
I'm certain that many things are possible: but if someone used a camera designed to resemble a gun, I would support the NHPD in arresting them.
posted by: Threefifths on March 4, 2011 5:28pm
posted by: streever on March 4, 2011 4:36pm
What is your point? That one could disguise a camera as a gun?
I'm certain that many things are possible: but if someone used a camera designed to resemble a gun, I would support the NHPD in arresting them.
My point is read your statement.It speaks for it self.
I think an officer can distinguish between someone standing 10+ yards away, video taping, and someone charging them with a hand-held weapon.
Can you distinguish camera designed to resemble a gun.
posted by: what the? on March 4, 2011 8:35pm
'chief' lemon said this incident resulted from poor planning, poor decision making,poor leadership. that pretty sums up his time working in new haven. isn't he the chief? wouldn't he be considered the leader? doesn't he make the final decision within the department? wasn't he there that night this incident happenned? melendez wasn't from chicago so he was the odd man out and the easy one to blame. hope melendez has a lawyer.
posted by: Liberte on March 5, 2011 2:15am
Aux armes citoyens! To Arms Citizen
Formez nos battalions. Form your bataillons.
Contre nous de la tyrannie. Against the tyranny.
Our arm against tyranny is the law, and when the organ of government fails us, as I believe it has in the state's attorney, specifically in the person of Michael Dearington, changes must be made.
Vive la liberte.
posted by: Threefifths on March 5, 2011 3:46pm
posted by: streever on March 4, 2011 7:06pm
Can you explain what you are trying to get at?
Just like you can have a underwear bomb,You can have a camera as a gun.By the way I do think you should be able to film police actions,But it should be done in a safe way.Also what happens when a person reaches is his or her pocket to take out there camera and the officer says keep you hand in you pocket and they say I am reaching for my camera.How is the officer to know that they are not reaching for a weapon.So what is the officer to do.Can you answer that one.
posted by: Jaydee on March 5, 2011 4:32pm
His actions were simular to those used in the good old dayz, but he didn't realize he wasn't one of the " good old boyz ". Now NHPD will use him as a scape goat.
posted by: Brian Parker on March 6, 2011 9:51am
Is it me or is it always all or nothing. Is it possible this cop could have been dealt a less severe penalty that being forced to resign? Why are we always looking to destroy lives?
It would be better to have him apologize publicly and explain his wrong doings. Humble him, don't destroy his live.
I'm sure he'll be fine, 125k plus he will have a new career; yeah he'll be paying a lot in taxes.
posted by: anonymous on March 7, 2011 10:11pm
This is all ridiculous. Luna just wants to get paid and is looking to sue the city. Luna, Melendez is one of the most respected Lt's in the history of the department. One isolated incident will not tarnish his reputation. ...
posted by: Allan Brison on March 8, 2011 12:05pm
It is hard to feel sorry for someone being "forced" to resign when:
1. he was clearly way out of line, and
2. he will draw a yearly pension of more than most of us will ever make at full salary.
We taxpayers will be paying that pension perhaps for many years.
As to Luis Luna being in it only for the money, I wonder how many of you anonymous commenters even know Mr. Luna. It is pretty hard to attribute another's motivations from a distance.
As to Melendez being one of the most respected in the history of the department, this was only one of 3 recent instances where he appears to have been out of line. I say "Good Riddance".
I think that Melendez should have to pay whatever award Luna wins out of his pension.


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As his suits for Chester Barrie launch in Harvey Nichols, and as a coda to last week's '70s-themed coverage, London's most celebrated tailor describes how he and Tommy Nutter revolutionised the bespoke world 40 years ago
On first acquaintance Edward Sexton can resemble one of Guy Ritchie's East End geezers, with his lived-in, pinkened features, punkish shock of white hair and an accent that's lost none of the grit of an Elephant & Castle upbringing – especially when he says: "My old boss defined our clientele as the three Cs – the crooks, the cranks and the cripples. And he wasn't far wrong!" Or referring to some ready-to-wear suits he's created that he considers particularly good value: "It's a steal really, one of these suits – a blahddy steal!"
As it happens, he's right. Accessing Sexton's work for only a few hundred quid – care of London ready-to-wear specialists Chester Barrie, more of which later – is distinctly reasonable, given that he's arguably London's most celebrated tailor. He must also be one of the city's snappiest dressers. Even at 70, his Brummell-ish mix of elegance and careful decadence is a thing to behold: the luxurious lapels and immaculate hang of his suits, the statement white shirt collar with whopping tie pin, the foppish pocket squares and boutonnières.
"What makes a suit outstanding, apart from a good cut and a good fit, is the way it's romanced," Sexton says. "The way you make it express itself with the shirt, the tie, the accessories. The right amount of cuff width, for instance – the finer points of dressing. Clients love to be educated on that stuff, and that's what we're here for."
"What makes a suit outstanding is the way it's romanced, the way you make it express itself"
Sexton has been teaching clients the finer points of dressing – and more importantly, fashioning them sensational suits – since the 1960s, establishing a tailoring business in his own name in 1981. But it was in the early 1970s that his reputation was made, when he and the great Tommy Nutter wrought a revolution on Savile Row.
They opened Nutters of Savile Row in 1969, when both were still in their mid-twenties. They'd previously worked together at a tailor's in Burlington Arcade, Sexton as the hotshot young cutter and Nutter the front-of-house boy making a name for himself on London's social scene. Going into business together, their mission was to inject the razzle-dazzle of swinging London into a Savile Row that had singularly resisted the changing tempo of the era.
"At the time there was the younger feel of Carnaby Street or the King's Road, and then there was Savile Row," Sexton says. "But there was a huge clientele out there that wanted Carnaby Street or King's Road style but with Savile Row quality, and it wasn't around – so we filled that void."
Nutter and Sexton's answer to Savile Row's straitlaced conformity was to go maximalist in every way: billowing flared trousers inspired by the "Oxford Bags" of the 1930s, huge lapels curving out almost to the shoulder, vibrant fabrics and boldly contrasting patterns.
"It was about flamboyance and confidence, but never about being flashy"
Among their clients would be the Beatles (including the suits worn on the Abbey Road cover), Elton John, Mick Jagger, Bianca Jagger, Elton John and the couturier Sir Hardy Amies.
"We were very influenced by the 1930s and 1940s," Sexton says. "I think it was about flamboyance and confidence, not being afraid of a bit of colour – but it's never been about being flashy. Definitely not that."
Unsurprisingly, the Savile Row establishment looked on with suspicion and alarm, not just because of the rakish threads coming out of Nutters, but because they were taking an entirely fresh approach to the once-closed world of Savile Row bespoke.
"Savile Row wasn't at all like it is now. It was known to the elite, to a certain class – it really was a closed shop. You went there because your father went there, or it was your regimental tailors: it wasn't a walking through street like it is today. You'd get a curtain across the windows and a big heavy door that was so intimidating in itself, and when you pushed it open you'd have some old guy who'd interrogate you about whether you were recommended. No wonder people would run a mile."
Nutter and Sexton did what was then considered unthinkable, creating a window display to showcase their lavish designs and lure in customers. The old guard were not pleased.
"They were all horrified," Sexton laughs. "But we got huge interest, and of course their clients would look in our windows and then go to their tailors and ask for their lapels to be made a little bit wider or to have more flare in the trousers. So we influenced them that way, and gradually things started to change."
Sexton bought Nutter out of the business in 1976, before setting up under his own name in 1981 (Nutter, who later established a ready-to-wear business back on the Row, tragically died as a result of Aids in 1992).
"I've been invited back to Savile Row many times, but no."
For a period Sexton based himself in New York, living the Manhattan high life, but eventually returned and set up shop in Beauchamp Place in Knightsbridge, where his business remains. Would he ever return to the Row?
"I've been invited to come back so many times, but no. My clients are international, and a lot of my English-based customers live in that area – and let's face it, the parking's a lot easier."
He's also plugging some of that wealth of knowledge into the world of ready-to-wear and made-to-measure, designing gorgeous new looks for Chester Barrie, the company set up in 1935 with the aim of bringing Savile Row quality to off-the-peg suits. The results are formidable: suits that carry the hallmarks of Sexton's style – "the lapel always has a nice curvature to it, the shoulder line always comes up and a little bit forward, with a high armhole that's much better for movement," – and his profound understanding of structure and proportion, but for relatively affordable prices (ready-to-wear starts from £695).
The suits are available in Harvey Nichols, where Chester Barrie has just opened a store-within-a-store, as well as House of Fraser and Austin Reed on Regents Street, not to mention Chester Barrie's Savile Row HQ.
"You can go and buy a readymade suit anywhere that looks beautifully made, but they die – the shoulders don't work, the collar doesn't quite fit, and it's because of all these little things that technicians in a factory, who don't work with clients, can't do," Sexton says. "This is different – it's investment clothing. All my previous life experience that's gone into this – my history is Savile Row, that's all I know."
Extracts of this interview were first published in City AM newspaper.
Edward Sexton: shaking up '70s Savile Row
Londond's most celebrated tailor on how he revolutionised Savile Row in the 1970s
Read other articles about:
edward sexton, interview, savile row, Seventies Week, tommy nutter
Tim is the editor of QP Magazine, is watch editor for City AM business newspaper, and writes on watches, travel, style and good living for the Financial Times, Wired, the Telegraph, Departures and many others.
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Lot's of great pictures and info on Facebook (login required) and Yelp if you click on the icons at the left. Really nothing I need to add. However, here is what I wrote about the place when we first opened:
Salumi Tapas and Wine Bar, opened its doors Friday, April 18th, 2011. As you enter, you see the massive 32 foot antique timber bar with seating for 18 and the dark ceiling beams overhead. The atmosphere is warm and rustic with tons of reclaimed wood and brick, and even the barn-board booths, bistro tables and leather banquettes are custom made from gorgeous old board and timber.
The menu changes frequently and features a variety of interesting small plates of Spanish and Italian origin from polenta with truffled mushrooms to Catalan-style short-rib and chorizo and beet-orange salad, as well as a wide selection of artfully composed cheese and cured meat boards with fruits and nuts. The wine list is ecclectic and value-driven with over 70 hand-picked wines from across Europe and the New World, many by the glass, and craft beers on tap and in the bottle. There is also a full bar.
The vibe is hip, foody, and casual - the food, wine, and beer is gourmet, but the attitude is laid back. The music is as eclectic as the wine list, with everything from Flamenco and old jazz to indie rock and pop. This is a place to eat fun, sophisticated food and drink great wine in your hippest gear or just a T-shirt and jeans. The point is relaxation, fun, and a new experience with every visit.


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A New Look for a Basic Shade
Expert crafter Melissa Neufeld offers illuminating ideas for lampshades
By Susanne L. Ruppert
Crafter Melissa Neufeld started with a plain bell shade she had rescued from a broken lamp. (Or purchase a basic new one, left.)
POTENTIALMelissa knew that a few embellishments would give the old shade some character (and cover up any flaws). Inspired by nature, she chose pinecones and hot glued them to a fabric lampshade for a rustic update. Other lightweight elements, such as seashells, would adhere well; pair shells with blue ribbon for a nautical effect.
PURPOSEMelissa intended the lampshade for her daughter's sometime bedroom--guest room. By giving the shade a unique character, she provided a thrifty update and focal point for a multiuse room.
"A lampshade is an accessory, like a hat, that you can easily change for a fresh look and style," says expert crafter Melissa Neufeld. "Have fun with it!"
When choosing a shade, follow these guidelines: It should be about two-thirds the height of the base and cover the lamp's hardware. For best illumination, opt for wider shades in white or cream, and mass pinecones along the edges so light isn't blocked.
LAMP BASE BASICSWhen pairing up a base with a shade, consider style, shape, form, and material. Visit antiques shops, flea markets, tag sales, and eBay. But keep an open mind when searching--this base was originally a vase that was drilled and then wired to function as a table lamp.
CERAMIC LAMP BASEOriginally a vase, this 1950s Scandinavian pottery was converted into a table lamp on a turned wooden base. Expect to pay $25 to $50.
What You'll Need
2 Small- to medium-size pinecones.
3 Velvet ribbon (tip: use fabric remnants).
4 Jute twine (12 to 16 pieces depending on size and shape of lampshade).
5 Hot glue gun.
6 Clippers.
Step 3: Pinecones
Snip off the bottom of each pinecone with clippers to create a flat surface. Hot glue pinecones to ribbon trims. Embellish the shade with some snipped pieces.
Step 2: Ribbon Trim
Step 1: Jute Twine
For custom or unusual shapes: JUST SHADES justshadesny.com
SHADES OF LIGHT shadesoflight.com
TARGET target.com
EBAY eBay.com
IKEA ikea.com
MICHAELS michaels.com
NICHOLAS KNIEL nicholaskniel.com
TINSEL TRADING CO. tinseltrading.com
DREMEL dremel.com


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Lucy Clapham
Wednesday, February 5, 2014
Volunteers are being sought to help protect an important monument of medieval history through a new £140,000 conservation project.
Architectural experts this week began surveying St Margaret's Church in Hopton as work begins on repairing the crumbling structure to bring it up to a safe standard.
The ancient grade II* listed church has been named on the English Heritage buildings at risk register and is surrounded by a security fence as it has been declared a dangerous structure.
But the Great Yarmouth Preservation Trust and Hopton Parish Council, which owns the church, have developed the six-figure project to make it safe, and the two groups are now appealing for volunteers to help stabilise it.
They are recruiting volunteers who can get involved in hands-on conservation work and be trained in traditional buildings skills, such as stone masonry, flint knapping and wattle and daub.
As well as giving people a chance to protect history, the project also aims to equip volunteers with skills that can be used in future employment while boosting their confidence and team-working expertise.
Alongside this, volunteers will also be able to take part in an archaeological dig and village history project.
Franziska Callaghan, lead project officer, said: "This is a fantastic opportunity for any adult, with any skills or prior experience, to work alongside the trust's network of expert professionals to gain traditional buildings conservation skills, which are much lacking in the borough.
"This unique project is vital to conserve for future generations an at risk building, which is an important part of the history, heritage and culture of Hopton.
"And it offers extensive community involvement opportunities, with exciting activities such as uncovering a hidden underground vault."
The work at Hopton comes after the trust launched its nationally-acclaimed cemeteries project in Great Yarmouth, which saw volunteers band together to clear and conserve graves.
This project also uncovered some monuments of regional and national importance, and from the group of helpers that got involved many have gone into jobs using the skills they gained.
Among them was Rachel Harrison, who volunteered for six months as a conservation trainee, and is now project co-ordinator for the Hopton scheme.
She added: "The trust's trainees are not paid, but as my case proves, the skills they learn put them in a strong position to secure paid work in building conservation, as there is a lack of people in the borough with such knowledge and practical experience."
A total of 65 trainees and 80 volunteers will be involved over the course of the two-year project, which started this week when a structural surveyor used a cherry-picker to assess the condition of the crumbling church.
The main structural work is planned to take place between spring 2014 and autumn 2015.
For more information about training and volunteer opportunities email email@example.com or firstname.lastname@example.com, or call the preservation trust office on 01493 846195.
■ Are you working on a restoration project? Email email@example.com
2 comments
I can see my old family home (the white cottage to the west of the tower) So many memories of playing war in that church and kickpost with the old oak tree stump behind the back of the church. I grew up in Hopton throughout the 80's to 1992 when I went to sea in a Pussers Grey War Canoe. I miss the place, but it has changed so much since I was a boy.Bigger is not always better......
Wednesday, February 5, 2014
I can see my old family home (the white cottage to the west of the tower) So many memories of playing war in that church and kickpost with the old oak tree stump behind the back of the church. I grew up in Hopton throughout the 80's to 1992 when I went to sea in a Pussers Grey War Canoe. I miss the place, but it has changed so much since I was a boy.Bigger is not always better......
Wednesday, February 5, 2014
The views expressed in the above comments do not necessarily reflect the views of this site


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Short necklace. Composed of a black, Marni-logo-bearing satin ribbon; at its center, a single element made of geometric components of different shapes and dimensions in gilded resin with resin cabochon in contrasting color.Product code: 50136272ehComposition: 90% Resin, 10% PolyesterShipping & Returns
We offer both Standard and an Express shipping: choose the service that best meets your needs at Checkout.
Returns service: you have 20 days from delivery to follow our quick and easy return procedure.


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Harness the power of ThreatMetrix™ CyberCrime Labs, a dedicated threat research team to gain intelligence into the latest malware targeting financial institutions, e-commerce and online business.
ThreatMetrix Labs Report August 2012
Professional OS X Malware – A Reality
This ThreatMetrix Labs report discusses how the Apple Mac OS X software landscape is changing. It wasn't all that long ago that Apple could market the idea that OS X doesn't contract viruses. However, the threat landscape has changed. This report looks at malware for sale, targeting among other platforms, OS X.
ThreatMetrix Labs Report July 2012
Zeus P2P Advancements and MitB Attack Vectors
This ThreatMetrix Labs report discusses a new variant of the peer-to-peer (P2P) version of the Zeus Trojan. The P2P variant has many improvements built in, including a different encryption algorithm for the configuration file. The small but crucial change will make automatic detection routes fail.
ThreatMetrix Labs Report February 2012
Man-In-The-Browser: Apple Mac OS X Edition
This ThreatMetrix™ Labs report is the second part of a series about Man-in-the-Browser (MitB) for Apple Mac OS X. The first report in November 2011provided an overview of different ways to perform MitB on Apple Mac OS X. This report describes three approaches in more detail.
Get the full report.
Subscribe here to get the full, detailed report. Qualified subscribers receive exclusive, in-depth reports as they are published by ThreatMetrix Labs. Use this insight to keep ahead of the changing threat environment.


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The Jefferson Forest offense might adapt Mark Twain's famous saying: Rumors of its death have been greatly exaggerated.
The Cavalier offense, almost an afterthought last season, took front and center stage, piling up six touchdowns in a 44-17 manhandling of County foe Staunton River Friday evening.
Those six touchdowns match the number of TDs that the Cavs put together over the first four games of last season. "We've caught up on our offense to our defense," said Cav Head Coach Don Rice.
The need for comprehensive energy legislation has never been more apparent. We've grown dangerously dependent on foreign oil sources and we can't allow this to threaten our economic security. Just as there was no one cause for our current energy crisis, there is no one silver bullet for getting us out of it.
Last week, I returned to Washington to join my Republican colleagues in our on-going effort to impress upon the leadership of the House of Representatives that the American public deserves an up-or-down vote on allowing drilling for oil and natural gas on American soil and on the Outer Continental Shelf, so that we may produce more of our own energy needs and break our dependence on foreign oil.
As you receive your Bulletin this week, we're in the midst of the Democratic National Convention, where, on Thursday, Sen. Barack Obama will deliver his acceptance speech as the party's presidential nominee.
This will be the crowning moment for the man who will carry the banner for all of us who want a clean break from the scandals, lies, wars, and right-wing extremism of the last eight years.
A couple of weeks ago our Governor Tim Kaine claimed that pigs fly. He didn't actually say that he saw a porker take to the air on wings, but what he did say was equally absurd.
After stomping Georgia's army flat, the Russian army stopped. Kaine proclaimed that Russia was heeding Barack Obama's call for them to do so.
Thanks for concern
Christopher and our entire family would like to publicly thank all of the people who came to our home, called and went to the paper or even contacted the police department in response to the letter about Christopher's stolen bike.
We have been absolutely amazed that people who had no idea who we were would offer to buy a child a new bike. When I wrote the letter my only hope was that the thief would see the letter and return the bike. That did not happen but God gave us so much more.
Tim Groover knows all too well the heartbreak of losing a child in an automobile crash involving a teen driver.
In November 2002, his 15-year-old daughter Brittany was killed as the result of an accident while riding with another teen. That car went out of control and slammed into a school bus in front of Forest Middle School. The last entry in his daughter's diary on her computer stated: "You cannot change your beginning, but you certainly can change your ending."
Two cell tower applications met different reactions when they came before the board of supervisors, Monday night.
Though they had the opportunity to send their children to another school, parents of students at Bedford Elementary and Bedford Primary schools are happy to have their students stay just where they are.
"I think what we heard is that people in Bedford just really trust the principals and staff at those two schools," said Karen Woodford, literacy development specialist with Bedford County Public Schools. "They just really love their schools."
Before long, some teen drivers in Bedford County will be told about any bad driving habits by a monitor in their vehicle. The goal: Stop a problem before an accident occurs.
Newly licensed teen drivers are three times more likely to be involved in a fatal crash than their adult counterparts, according to the Virginia Tech Transportation Institute. With that fact in mind, VTTI is partnering with the Bedford County and Montgomery County school systems in the Virginia Teen Driver Coach Safety Project.


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Top Ten Most Underrated Actors
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.The Top Ten
1Dylan O'Brien
The clear breakout talent of a seemingly mindless and silly teenage-centric supernatural show. The ratings for Teen Wolf have jumped up significantly since season 1, and it has been due to a bit more than just a bunch of shirtless guys running in the woods. People that originally criticized the show due to its campiness do find themselves sticking around to watch Dylan's portrayal of his character, Stiles Stilinski. And for someone who barely decided to jump into acting right out of high school with no actual training or desire to act beforehand (he was going to attend Syracuse for film before deciding to defer his acceptance to pursue acting instead; the only thing he had on his resume for his first gig, which was Teen Wolf, was a link to his Youtube channel), Dylan does a superb job in comparison to his fellow peers on the show. With a proper repertoire under his belt, Dylan is bound to go far in this industry.
He's incredible. Not only in the way that he presents the lines, but the way he lives and breathes his characters. Whilst I have noticed many similarities between Stiles and Dylan, the way he acts in The First Time and in The Internship, has proven that not only does he have exceptional talent for acting, but he sits comfortably in his role and becomes the character himself. What I am most excited for, is his role in an upcoming movie The Maze Runner, in which he will be starring in. It's a contrast, to the other's that he's done as he is now the main role and playing a drastically different character from Stiles. I know this as I have read the book, and I can definitely say that I know Dylan won't disappoint. He is an incredible actor that is, without a doubt, going exceptional lengths in his acting career.
While still quite new to the scene, having done three seasons of Teen Wolf, cameos, and four movies, three of which have already aired, he's definitely come off as someone with raw talent, who just becomes better as he goes.
His versatility in the different characters he portrays shows clearly, and he has the capacity to make you laugh, and to make you cry. Though not yet at the level of Jensen Ackles (or Tom Hiddleston), I have no doubt that one day could very well achieve great things in the movie business, and all we have to do is wait and watch him grow.
His versatility in the different characters he portrays shows clearly, and he has the capacity to make you laugh, and to make you cry. Though not yet at the level of Jensen Ackles (or Tom Hiddleston), I have no doubt that one day could very well achieve great things in the movie business, and all we have to do is wait and watch him grow.
[Newest]Breakout star of the whole show. He's got a great future ahead of him. If you need any more proof, watch Teen Wolf. He went from nerdy, goofy Stiles to a grim, dark doppelganger of himself. He's amazing.
More comments about Dylan O'Brien
2Jensen Ackles
It is extremely difficult to make me cry. I say that because Jensen Ackles has achieved it more than once. The amount of emotion and power he can put in a simple facial expression is stunning. He delivers lines with a skill that is mind-blowing, and his interpretations of the characters he's played are always fascinating and unexpected. Hands-down he is one of my favorite actors of all time, and I wish he was in more so I could own an entire library of him like I do Kevin Spacey and Tilda Swinton.
Jensen Ackles is a really amazing, brilliant actor! The fact that he works on a genre T.V. show sadly means very little to none recognition from the media and the well-known awards. This has to change, because Jensen is a rare talent who deserves not only acknowledgement in terms of awards for his outstanding work on Supernatural for almost 9 years, but also the chance to spread his amazing skills on to the big screen!
Jensen Ackles makes you feel what his character is feeling without ever overacting. He emotes. He is also convincing in action scenes and has a presence whenever he's on camera. He can do comedy, tragedy, and everything in between. While, yeah, he's easy on the eyes, it is his skill at nuancing his performance and adding depth to the story without even lines that deserves recognition.
[Newest]Because he's so sexy!
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3James McAvoy
Robbier Turner from Atonement, Nicholas Garrigan from Last king of Scotland, Charles Xavier from X-Men First class and Action machine Wesley Gibson from Wanted, James Mcavoy showed many different faces through brilliant acting. His values are proved to receive BAFTA rising star award, London Critics awards, nominated Golden Globe best actor. Despite big career, he doesn't want to live as celebrities and prefer to enjoy simple life in London instead of living in Hollywood but He is certainly one of the best talented actors in the world.
He has incredible talent of acting and able to deal with various roles from tumnus of Narnia to the pervert cop of Filth. James Mcavoy deserves to win Oscar!
4Colin Farrell
While a dirt bag in his personal life, he exudes an incredible charm on camera
5Eric Bana
Very intense on screen, makes everyone else look 2D
6Casper Van Dien
An actor you'd wish to see regularly, a couple of flops isn't really his fault, I really do wish that his career gets a boost soon
Got typecast into a roll after Starship Troopers. Actually, a very talented actor.
7Dean Cain
8Daniel Bernhardt
D. Bernhard is good fighter to taekwondo, and my love role is Mortal Kombat Conquest (Siro). Dramatic fighter, stale redy, and brave heart. His energy an speed.
9Giovanni Ribisi
Yes, Giovanni was best actor in the gift!
10Mark Dacascos
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The Contenders
11Guy Pearce
I wanted to vote for Sam Rockwell too, but can't : ( most underrated actor of all time. And Paddy Considine. Oh well.
12Michael Biehn
13Antonio Sabato Jr.
14Luke Wilson
15Gary Daniels
Decent fighting style from Red Bamboo, The Expendables, and the Live-Action Fist of the North Star
16Steve Buscemi
Have you seen Boardwalk Empire, Fargo, Reservoir Dogs, The Big Lebowski! This guy is an incredible actor and deep down we all know it!
I've seen him in boardwalk empire and my children have seen him in spy kids and he is an amazing actor
He's a great actor but still terribly underrated
17Seann William Scott
18Robert Joy
Great film in art Robert Joy serial killer his name Resurrection. Joy his art intellect killer Gerald Demus. Great intellect and good costume. Super scenerie.
Robert Joy is film speed and intelectual master merder. He loke individual people and red bonnet is kill to big small and apostol people.
19Edward Norton
Why isn't this man a household name? I hate having to refer to him as "that guy from Fight Club."
Fight Club, American History X
20Robert Sheehan
Robert Sheehan is one of the most passionate actors out there. We can see that above all else he loves his craft, often leaving safe roles to go for new chalenges. He has amzing dramatic skills and is one of the few actors that can tell a story with only his eyes. He'll also make you laugh your brains off, he has amazing comedy timing.
This young actor is exciting and deserves a lot more praise and chanllenges.
This young actor is exciting and deserves a lot more praise and chanllenges.
He is amazing actor, he makes bad movies good. His emotion and passion he puts in every role is noticeable and it's really amazing to see him preform and do what he loves best
21Scott Adkins
22Sean Bean
Just perfect in every movie since Lord of the rings
Always a great performer no doubts.
And now... Whit the recent job in (Game of Thrones) its getting better and better!...
Always a great performer no doubts.
And now... Whit the recent job in (Game of Thrones) its getting better and better!...
23Joseph Gordon Levitt
Most of the actors are great, but they aren't underrated. JGL was the best actor in Inception (the fight scene in the hallway) and so cute in 500 Days of Summer!
Brick, (500) Days of Summer
He's just the best!
24Dean Cochran
Cochran is good art to role Cassaro of Mortal Kombat conquest, Siro (Daniel Bernhardt) is brather Cassaro the good fighter to army general Scorpion.
25David Tennant
26Lorenzo Lamas
27Michael Dudikoff
The Michael Dudikoff his great part to American Ninja. Army member man, name Joe, challenge young lady and in round army his stand is Joe ninja, winning fight of deadly alliance ninja, s and comeback to army world. Ninja Joe (Michael Dudikoff) doing ninjitsu and long time carry ninja black mask.
28Gary Oldman
29Jared Leto
People need to recognize the talent this man has. He can play any role. He is so gifted as an actor, Jared needs to be acknowledged more for his gifts.
30Cillian Murphy
Utterly convincing in all his roles, which are immensely varied. So versatile. Master of accents. His dislike of celebrity culture MIGHT explain why is isn't as well known as he should be.
He is a fantastic and very versatile actor. When he needs to be he can be creepy, funny, sweet, intimidating, charming, down right scary.. The list goes on. He plays each one if these traits just as convincingly as the next and is one of my favorite actors.
31Eddie Cibrian
32Leonardo DiCaprio
33Ewan McGregor
Anyone who's seen The Impossible knows his performance is heartbreakingly tear jerking. Why exactly was this guy not given an Oscar nomination for that?
34Jared Padalecki
Ridiculously good actor. Everything he does in his roles mean something and adds to his character. In Supernatural he has played so many versions of Sam Winchester and never fails to deliver
Because he's so sexy too!
35Gary Cole
36Sam Rockwell
37Tim Roth
38Tom Hiddleston
His Loki act steals the show. And he does Shakespeare too!
39Aaron Eckhart
40Paddy Considine
41Christian Bale
American Psycho, The Dark Knight
42John Cusack
Say Anything, High Fidelity
43Ed Westwick
44Garret Hedlund
45Jesse Eisenberg
The social network, the squid and the whale, adventureland and NOW YOU SEE ME
Come on, this guy is awesome
Come on, this guy is awesome
46Hayden Christensen
I meant to say III not Episode I because he wasn't even Anakin at the moment. He really needs to be seen for his credibility and few of his good movies.
The man Hayden Christensen was good at being Anakin Skywalker at Star Wars of Episode I not II to be precise. How I wish if he had taught with better acting for roles he would have been suited.
47Kevin Bacon
48John Ireland
49Ryan Reynolds
Adventureland, Buried (soon to be released, it looks awesome)
50Vincent D'Onofrio
Full Metal Jacket, Ed Wood
51Bob Gunton
He is so under-rated and underused. He is one of the best.
52Noah Hathaway
He was a former child actor, who wasn't in many movies. But Noah was great in the Neverending Story and good in all his other movies.
He was great in The Neverending Story. But Tommy Wiseau sucks.
53Cuba Gooding Jr.
54Timothy Olyphant
55Stanley Tucci
56Charlie Hunnam
Very underrated actor seen him in some stuff mainly soa but even his movies seems very talented to me
57James Franco
58Kyle Gallner
59Brian Cox
60Max von Sydow
61Jonas Ball
62Misha Collins
Believable in any role, but especially as Castiel, the hapless angel turned human on CW's Supernatural. Collins deserves far more accolades than he's ever received.
63James Spader
He can be a very very mean antagonist.
64Paul Walker
65Jason Alexander
Truly hilarious on Seinfeld. Some of the best
Comic acting I have ever seen!
Comic acting I have ever seen!
66Channing Tatum
67Michael Pitt
68Lee Pace
The fall and the hobbit movies, amazing actor!
69Regina King
70Robert Downey Jr.
He can more than Iron Man!
71Paul Dano
There Will Be Blood, Little Miss Sunshine, 12 Years a Slave
72Carlos Alazraqui
73Sean Astin
74Burkely Duffield
75Ryan Gosling
Lars and the Real Girl, Half Nelson
76Tommy Wiseau
77Djimon Hounsou
78William H. Macy
79Bill Murray
80Michael Gross
81Alec Baldwin
82Ben Affleck
83Jim Belushi
Maybe cause he's dead...
84Hank Azaria
85James Woods
86Seth MacFarlane
87Matt LeBlanc
88Adam West
89Macaulay Culkin
90Justin Long
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This list was created 6 years, 93 days ago and has been voted on over 1,000 times. This top ten list has been remixed 2 times.
Updated Friday, February 27, 2015
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Anna Faris Hairstyles
Credit: © Jon Kopaloff/FilmMagic
Anna Faris
Nov 17 2010
Straight bangs and smooth, blonde strands keep Anna Faris looking sexy and sleek.
Styling Tip
Apply a nickel-size amount of styling lotion onto damp hair. Use the flat edge of a paddle brush to blow dry two-inch sections at a time while pulling hair straight with each stroke. Once dry, set a sleek finish by smoothing a flat iron over half-inch sections. Create an off-center part and then push your bangs to the side. Spritz with hairspray to lock in your look.


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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________ FORM 10-Q
For the quarterly period ended March 31, 2012 Commission File Number: 001-15204 Kingsway Financial Services Inc. (Exact name of registrant as specified in its charter) _________________________
_________________________ Indicate by checkmark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes x No o Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T ( 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes o No o Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of "large accelerated filer," "accelerated filer," and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes o No x The number of shares outstanding of the registrant's common stock as of May 14, 2012 was 52,595,828.
PART I. FINANCIAL INFORMATION Item 1. Financial Statements Consolidated Balance Sheets (in thousands, except per share data)
See accompanying notes to unaudited consolidated financial statements.
Consolidated Statements of Operations (in thousands, except per share data) (Unaudited)
See accompanying notes to unaudited consolidated financial statements.
Consolidated Statements of Comprehensive Loss (in thousands) (unaudited)
See accompanying notes to unaudited consolidated financial statements
Consolidated Statements of Cash Flows (in thousands) (unaudited)
See accompanying notes to unaudited consolidated financial statements.
NOTE 1 BUSINESS Kingsway Financial Services Inc. (the "Company" or "Kingsway") was incorporated under the Business Corporations Act (Ontario) on September 19, 1989. Kingsway is a holding company and is engaged, through its subsidiaries, in the property and casualty insurance business. NOTE 2 BASIS OF PRESENTATION The accompanying unaudited consolidated interim financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and notes required by U.S. GAAP for complete financial statements of the Company. In the opinion of management, all adjustments necessary for a fair presentation have been included and are of a normal recurring nature. Interim results are not necessarily indicative of the results that may be expected for the year. The accompanying unaudited consolidated interim financial statements and footnotes should be read in conjunction with the audited consolidated financial statements and footnotes included within our Annual Report on Form 10-K ("2011 Annual Report") for the year ended December 31, 2011. The unaudited consolidated interim financial statements include the accounts of the Company and its subsidiaries. All material intercompany transactions and balances have been eliminated in consolidation. The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect application of policies and the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the year. Actual results could differ from these estimates. Estimates and their underlying assumptions are reviewed on an ongoing basis. Changes in estimates are recorded in the accounting period in which they are determined. The critical accounting estimates and assumptions in the accompanying unaudited consolidated interim financial statements include the provision for unpaid loss and loss adjustment expenses, valuation of fixed maturities and equity investments, valuation of deferred tax assets, valuation of other intangible assets and goodwill recoverability, deferred policy acquisition costs, and fair value assumptions for debt obligations. The fair values of the Company's investments in fixed maturities and equity investments, LROC preferred units, senior unsecured debentures and subordinated debt are estimated using a fair value hierarchy to categorize the inputs it uses in valuation techniques. The fair value disclosure of the Company's investment in investees is based on quoted market prices. Fair values for other investments approximate their unpaid principal balances. The carrying amounts reported in the consolidated balance sheets approximate fair values for cash, short-term investments and certain other assets and other liabilities because of their short-term nature. The Company's financial results contained herein are reported in U.S. dollars unless otherwise indicated. NOTE 3 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES There have been no material changes to our significant accounting policies as reported in our 2011 Annual Report, except for the effects of adopting Accounting Standards Update ("ASU") 2010-26, Financial Services-Insurance (Topic 944): Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts ("ASU 2010-26"). Refer to Note 8, "Deferred Policy Acquisition Costs" for further disclosure. NOTE 4 RECENTLY ISSUED ACCOUNTING STANDARDS In October 2010, the Financial Accounting Standards Board ("FASB") issued ASU 2010-26. The amendments in ASU 2010-26 address diversity in practice regarding the interpretation of which costs relating to the acquisition of new or renewal insurance contracts qualify for deferral; they clarify which costs should be deferred and which costs should be expensed when incurred. The amendments in ASU 2010-26 became effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2011. We adopted this new accounting standard effective January 1, 2012 on a prospective basis. Refer to Note 8, "Deferred Policy Acquisition Costs" for further discussion regarding the impact of this new standard to the Company. In May 2011, the FASB issued ASU 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRS ("ASU 2011-04"). Most of the changes in the new standard are clarifications of existing guidance, but it expands the disclosures about fair value measurements. It will require the categorization by level of the fair value hierarchy for items that are not measured at fair value in the statement of financial position but for which
the fair value is required to be disclosed. In addition, for fair value measurements categorized as Level 3 within the fair value hierarchy, the valuation processes and sensitivity of the fair value measurements to changes in unobservable inputs shall be disclosed. This standard is effective for interim and annual periods beginning after December 15, 2011, and should be applied prospectively. The Company adopted ASU 2011-04 and the adoption of the new standard did not have a material impact on the consolidated financial statements. In June 2011, the FASB issued ASU 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income ("ASU 2011-05"). ASU 2011-05 requires companies to present the components of net income and comprehensive income in either one or two consecutive financial statements. Companies are no longer permitted to present the components of other comprehensive income as part of the statement of changes in shareholders' equity. Reclassifications from other comprehensive income must be presented in both the consolidated statement of operations and the consolidated statement of other comprehensive income. This standard became effective for interim and annual periods beginning after December 15, 2011, and should be applied retrospectively. In December 2011, the FASB issued ASU 2011-12, Comprehensive Income (Topic 220): Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05 ("ASU 2011-12"). The amendments in ASU 2011-12 delay the effective date of certain provisions in ASU No. 2011-05 that relate to reclassification items until such time as the FASB has time to re-deliberate the presentation of those items. All other provisions of ASU No. 2011-05 take effect on the date originally noted in that ASU. The Company adopted ASU 2011-05 and the adoption of the new standard did not have a material impact on the consolidated financial statements. In September 2011, the FASB issued ASU 2011-08, Intangibles-Goodwill and Other (Topic 350): Testing Goodwill for Impairment ("ASU 2011-08"). The standard became effective for the first interim or annual period beginning on or after December 15, 2011, with early adoption permitted. The standard amends Accounting Standards Codification Topic 350, Intangibles-Goodwill and Other, and gave companies the option to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The Company adopted ASU 2011-08 and the adoption did not have an impact on our financial statements. There have been no triggering events that would suggest possible impairment or that it is more-likely-than-not that the fair values of the reporting unit related to our goodwill are less than their carrying amounts. We will utilize the new guidance during our annual impairment testing in December 2012. NOTE 5 DISCONTINUED OPERATIONS AND DISPOSITIONS
American Service Insurance Company ("American Service"), American Country Insurance Company ("American Country"), Southern United Fire Insurance Company ("Southern United"), and Jevco Insurance Company ("Jevco") were disposed of in 2010 and have been classified as discontinued operations and the results of their operations are reported separately for all periods presented. Summarized financial information for discontinued operations is shown below.
American Country, American Service and Southern United: During 2010, Southern United was merged into American Service. On December 31, 2010, the previously announced going-public transaction involving the Company's subsidiaries American Country and American Service by way of a reverse takeover of JJR VI Acquisition Corp. ("J6") was completed. Upon completion of the transaction, J6 was renamed Atlas Financial Holdings Inc. ("Atlas"), and American Country and American Service became wholly-owned subsidiaries of Atlas. Total consideration to the Company as a result of the transaction was approximately $57.0 million, consisting of cash of $7.9 million, preferred shares of Atlas of $18.0 million, and common shares of Atlas of $31.1 million. As part of the transaction, a quota-share agreement was put in place for 90% of up to $10.0 million of adverse development in excess
of $1.0 million, based on the provision for unpaid loss and loss adjustment expenses recorded by Atlas at September 30, 2010. The maximum obligation to the Company is $9.0 million. As a result of the disposal of American Country, American Service and Southern United, the Company recognized an after-tax gain of $0.6 million for the three months ended March 31, 2011. Jevco: On January 25, 2010, the Company entered into a definitive purchase agreement with The Westaim Corporation ("Westaim") to sell all of the issued and outstanding shares of Jevco to Westaim. On March 29, 2010, after receipt of all required regulatory approvals, the sale was completed for a purchase price of C$263.3 million subject to certain future contingent adjustments. The contingent adjustments included up to a C$20.0 million decrease in the purchase price relating to specific future adverse development in Jevco's provision for unpaid loss and loss adjustment expenses at the end of 2012. On March 31, 2011, the Company settled the C$20.0 million contingent adjustments related to the Jevco transactions for C$17.8 million, recording a pre-tax loss of $2.3 million. As a result of the disposal of Jevco, the Company realized an after-tax loss of $1.9 million for the three months ended March 31, 2011.
Hamilton Risk Management Company: On March 30, 2011, the Company's subsidiary, Kingsway America Inc. ("KAI"), sold all of the issued and outstanding shares of its wholly owned subsidiary Hamilton Risk Management Company ("Hamilton") and its subsidiaries, including Kingsway Amigo Insurance Company ("Amigo"), to HRM Acquisition Corp., a wholly owned subsidiary of Acadia Acquisition Partners, L.P. ("Acadia"), in exchange for a $10.0 million senior promissory note due March 30, 2014, a $5.0 million junior promissory note due March 30, 2016, and a Class B partnership interest in Acadia, representing a 40% economic interest. A third-party and members of the Hamilton management team hold Class A partnership interests in Acadia representing a 60% economic interest. KAI acts as the general partner of Acadia. As general partner, KAI has control of the policies and financial affairs of Hamilton; therefore, Kingsway will continue to consolidate the financial statements of Hamilton. During the second quarter of 2011, HRM Acquisition Corp. merged into Hamilton. As a result of this transaction, as of March 31, 2012 and December 31, 2011, Hamilton has notes payable balances of $2.2 million maturing in March 2014 with the third-party and $0.2 million maturing in June 2015 with members of the Hamilton management team. The notes bear interest at 2% annually.
NOTE 6 INVESTMENTS The amortized cost, gross unrealized gains (losses), and estimated fair value of the Company's investments at March 31, 2012 and December 31, 2011 are summarized in the tables shown below:
The table below summarizes the Company's fixed maturities at March 31, 2012, by contractual maturity periods. Actual results may differ as issuers may have the right to call or prepay obligations, with or without penalties, prior to the contractual maturity of these obligations.
Gross realized gains and losses on fixed maturities, equity investments and short-term investments for the three months ended March 31, 2012 and March 31, 2011 were as follows:
The following tables highlight the aggregate unrealized loss position, by security type, of fixed maturities, equity investments, and short-term investments in unrealized loss positions as of March 31, 2012 and December 31, 2011. The tables segregate the holdings based on the period of time the investments have been continuously held in unrealized loss positions.
Fixed maturities, equity investments and short-term investments contain approximately 32 and 22 individual investments that were in unrealized loss positions as of March 31, 2012 and December 31, 2011, respectively. The establishment of an other-than-temporary impairment on an investment requires a number of judgments and estimates. The Company performs a quarterly analysis of the individual investments to determine if declines in market value are other-than-temporary. The analysis includes some or all of the following procedures as deemed appropriate by the Company:
ratings from third-party rating agencies;
The risks and uncertainties inherent in the assessment methodology used to determine declines in market value that are other-than-temporary include, but may not be limited to, the following:
As a result of the above analysis performed by the Company to determine declines in market value that are other-than-temporary, there were no write-downs related to fixed maturities and equity investments for other-than-temporary impairments for the quarters ended March 31, 2012 and March 31, 2011.
The Company has reviewed currently available information regarding investments with estimated fair values that are less than their carrying amounts and believes that these unrealized losses are not other-than-temporary and are primarily due to temporary market and sector-related factors rather than to issuer-specific factors. The Company does not intend to sell those investments, and it is not likely that it will be required to sell those investments before recovery of its amortized cost. The Company does not have any exposure to subprime mortgage-backed investments. Net investment income for the three months ended March 31, 2012 and March 31, 2011, respectively, is comprised as follows:
As at March 31, 2012, fixed maturities and short-term investments with an estimated fair value of $15.7 million were on deposit with state and provincial regulatory authorities. Also, from time to time, securities are pledged to third parties to collateralize liabilities incurred under certain reinsurance arrangements. At March 31, 2012, the amount of such pledged securities was $25.9 million. NOTE 7 INVESTMENT IN INVESTEES Investment in investees includes investments in the preferred and restricted voting common stock of Atlas as well as the member's capital of each of Oak Street Real Estate Capital GP II, LLC ("Oak Street") and LGIC Holdings, LLC ("LGIC Holdings"). Each investment in investee is accounted for under the equity method. Investment in Atlas is recorded on a three-month lag basis. The carrying value, estimated fair value and approximate voting and equity percentages at March 31, 2012 and December 31, 2011 were as follows:
The fair value of the Company's investment in Atlas at March 31, 2012 in the table above is calculated based on the published closing price of Atlas at December 31, 2011 to be consistent with the three-month lag in reporting its carrying value under the equity method. The estimated fair value of the Company's investment in Atlas based on the published closing price of Atlas at March 31, 2012 is $42.9 million. The estimated fair value of the Company's investment in Oak Street at March 31, 2012 approximates carrying value due to the investee not being actively traded at March 31, 2012. During 2011, the Company acquired a 49.0% equity investment in LGIC Holdings. During 2011, the Company performed an impairment review of its investment in LGIC Holdings, which considered the current valuation and operating results of LGIC Holdings. Based upon this review, the Company recorded an impairment charge of $0.2 million during the fourth quarter of 2011.
Equity in net loss of investees was $2.3 million and zero for the three months ended March 31, 2012 and March 31, 2011, respectively. The Company also recognized an increase to shareholders' equity attributable to common shareholders of $0.3 million as of March 31, 2012 for the Company's pro rata share of its investees' accumulated other comprehensive income. Summarized financial information for Atlas for the three months ended December 31, 2011 is presented below:
The Company acquired its investment in Oak Street in the fourth quarter of 2011. Summarized financial information for Oak Street for the three months ended March 31, 2012 is presented below:
NOTE 8 DEFERRED POLICY ACQUISITION COSTS Policy acquisition costs consist primarily of commissions, premium taxes, and underwriting and agency expenses incurred related to successful efforts to acquire a new or renewal insurance contract, net of ceding commission income. Policy acquisition costs are deferred and expensed as the related premiums are earned. As described in Note 4, "Recently Issued Accounting Standards", the Company adopted ASU 2010-26 effective January 1, 2012 on a prospective basis. The new standard affects the timing of recognition of policy acquisition costs. Costs associated with unsuccessful efforts or costs that cannot be tied directly to a successful policy acquisition are expensed as incurred, as opposed to being deferred and amortized as the premium is earned. In periods of growth, the standard will result in an acceleration of expense recognition. In periods of contraction, the opposite will occur. The application of the new standard resulted in capitalized acquisition costs of $8.0 million for the three months ended March 31, 2012 compared with $8.6 million of acquisition costs that would have been capitalized for the three months ended March 31, 2012 if the Company had not adopted the new standard. As a result, the Company recorded $0.6 million more in expense for the three months ended March 31, 2012 than it would have had it not adopted the new standard. The components of deferred policy acquisition costs and the related amortization expense for the three months ended March 31, 2012 and March 31, 2011, respectively, is comprised as follows:
NOTE 9 GOODWILL AND INTANGIBLE ASSETS Goodwill and intangible assets are comprised as follows:
NOTE 10 UNPAID LOSS AND LOSS ADJUSTMENT EXPENSES The establishment of the provision for unpaid loss and loss adjustment expenses is based on known facts and interpretation of circumstances and is therefore a complex and dynamic process influenced by a large variety of factors. These factors include the Company's experience with similar cases and historical trends involving loss payment patterns, pending levels of unpaid loss and loss adjustment expenses, product mix or concentration, loss severity and loss frequency patterns. Other factors include the continually evolving and changing regulatory and legal environment; actuarial studies; professional experience and expertise of the Company's claims departments' personnel and independent adjusters retained to handle individual claims; the quality of the data used for projection purposes; existing claims management practices including claims-handling and settlement practices; the effect of inflationary trends on future loss settlement costs; court decisions; economic conditions; and public attitudes. Consequently, the process of determining the provision necessarily involves risks that the actual results will deviate, perhaps substantially, from the best estimates made. The Company's evaluation of the adequacy of unpaid loss and loss adjustment expenses includes a re-estimation of the liability for unpaid loss and loss adjustment expenses relating to each preceding financial year compared to the liability that was previously established. The results of this comparison and the changes in the provision for unpaid loss and loss adjustment expenses, net of amounts recoverable from reinsurers, as of March 31, 2012 and March 31, 2011 were as follows:
NOTE 11 DEBT Debt consists of the following instruments:
Subordinated indebtedness mentioned above consists of the following trust preferred debt instruments:
During the first quarter of 2011, the Company gave notice to its Trust Preferred trustees of its intention to exercise its voluntary right to defer interest payments for up to 20 quarters, pursuant to the contractual terms of its outstanding Trust Preferred indentures, which permit interest deferral. This action does not constitute a default under the Company's Trust Preferred indentures or any of its other debt indentures. At March 31, 2012, deferred interest payable of $4.9 million is included in accrued expenses and other liabilities in the consolidated balance sheets. The cash interest due in 2016 is subject to changes in the London interbank offered interest rate for three-month U.S. dollar deposits ("LIBOR") over the deferral period. No debt repurchases were made during the quarters ended March 31, 2012 and March 31, 2011. NOTE 12 INCOME TAXES Income tax expense (benefit) varies from the amount that would result by applying the applicable United States income tax rate of 34% to loss from continuing operations before income tax expense (benefit) primarily due to a valuation allowance being applied to the Company's operating losses. The Company maintains a valuation allowance for its gross deferred tax assets at March 31, 2012 and December 31, 2011. The Company's operations have generated substantial operating losses during the last several years. These losses can be available to reduce income taxes that might otherwise be incurred on future taxable income. The Company's operations, however, remain challenged and, as a result, it is uncertain whether the Company will generate the taxable income necessary to utilize these losses or other reversing temporary differences. This uncertainty has caused management to place a full valuation allowance on its March 31, 2012 and December 31, 2011 net deferred tax asset. The Company carries a deferred tax liability of $2.7 million at March 31, 2012 and December 31, 2011, all of which relates to indefinite life intangible assets. As of March 31, 2012, the Company had no unrecognized tax benefits. The Company analyzed its tax positions in accordance with the provisions of ASC Topic 740, Income Taxes and has determined that there are currently no uncertain tax positions. The Company recognizes interest and penalties, if any, related to unrecognized tax benefits in income tax expense (benefit). The income taxes recoverable of $7.4 million and $8.1 million at March 31, 2012 and December 31, 2011, respectively, primarily relate to tax receivables of the Company's Canadian operations. NOTE 13 NET LOSS PER SHARE Net loss per share is based on the weighted-average number of shares outstanding. Diluted weighted-average shares is calculated by adjusting basic weighted-average shares outstanding by all potentially dilutive stock options. Stock options outstanding of 1,552,500 and 1,591,500 as of March 31, 2012 and December 31, 2011, respectively, were not included in the computation of diluted loss per share because the exercise prices of the options was greater than the average market price of the common stock and thus the inclusion would have been anti-dilutive.
NOTE 14 ACCUMULATED OTHER COMPREHENSIVE INCOME The table below details the components of accumulated other comprehensive income, net of tax, for the three months ended March 31, 2012 and March 31, 2011 as relates to shareholders' equity attributable to common shareholders on the consolidated balance sheets. On the other hand, the unaudited consolidated statements of comprehensive loss present the components of accumulated other comprehensive income, net of tax, for the three months ended March 31, 2012 and March 31, 2011 inclusive of the components attributable to noncontrolling interests in consolidated subsidiaries.
NOTE 15 SEGMENTED INFORMATION The Company is engaged, through its subsidiaries, in the non-standard property and casualty insurance business. The Company conducts its business through the following two reportable segments: Insurance Underwriting and Insurance Services. Insurance Underwriting Segment The Company's property and casualty insurance business operations are conducted primarily through the following subsidiaries: Mendota Insurance Company, Mendakota Insurance Company, Universal Casualty Company, Amigo, Kingsway Reinsurance Corporation and Kingsway Reinsurance (Bermuda) Ltd. (collectively, "Insurance Underwriting"). Insurance Underwriting provides non-standard automobile and other types of property and casualty insurance to individuals and commercial automobile insurance to businesses and actively conducts business in 17 states. Insurance Services Segment Insurance Services includes the following subsidiaries of the Company: Assigned Risk Solutions Ltd. ("ARS"), Northeast Alliance Insurance Agency, LLC ("NEA") and KAI Advantage Auto, Inc. ("Advantage Auto") (collectively, "Insurance Services"). In 2011, ARS and NEA were organized to run as one business under the ARS name. ARS is a licensed property and casualty agent, full service managing general agent and third-party administrator focused primarily on the assigned risk market. ARS is licensed to administer business in 22 states but generates its revenues primarily by operating in the states of New York and New Jersey. Advantage Auto is a licensed property and casualty agent. Advantage Auto is licensed as an agency in Illinois and Indiana and produces business in both states. Results for the Company's reportable segments are based on the Company's internal financial reporting systems and are consistent with those followed in the preparation of the unaudited consolidated interim financial statements. The following tables provide financial data used by management. Segment assets are not allocated for management use and, therefore, are not included in the segment disclosures below.
Segment revenues for the three months ended March 31, 2012 and 2011 were:
The operating income (loss) of each segment is before income taxes and includes revenues and direct segment costs. Segment net income (loss) for the three months ended March 31, 2012 and 2011 were:
Net premiums earned by line of business for the three months ended March 31, 2012 and 2011 were:
NOTE 16 FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value amounts represent estimates of the consideration that would currently be agreed upon between knowledgeable, willing parties who are under no compulsion to act. Fair value is best evidenced by quoted bid or ask price, as appropriate, in an active market. Where bid or ask prices are not available, such as in an illiquid or inactive market, the closing price of the most recent transaction of that instrument subject to appropriate adjustments as required is used. Where quoted market prices are not available, the quoted prices of similar financial instruments or valuation models with observable market based inputs are used to estimate the fair value. These valuation models may use multiple observable market inputs, including observable interest rates, foreign exchange rates, index levels, credit spreads, equity prices, counterparty credit quality, corresponding market volatility levels and option volatilities. Minimal management judgment is required for fair values calculated using quoted market prices or observable market inputs for models. Greater subjectivity is required when making valuation adjustments for financial instruments in inactive markets or when using models where observable parameters do not exist. Also, the calculation of estimated fair value is based on market conditions at a specific point in time and may not be reflective of future fair values. For the Company's financial instruments carried at cost or amortized cost, the book value is not adjusted to reflect increases or decreases in fair value due to market fluctuations, including those due to interest rate changes, as it is the Company's intention to hold them until there is a recovery of fair value, which may be to maturity. The Company classifies its investments in fixed maturities and equity investments as available-for-sale and reports these investments at fair value. The Company's LROC preferred units, senior unsecured debentures and subordinated debt are measured and reported at fair value. Fair values of equity investments are considered to approximate quoted market values based on the latest bid prices in active markets. Fair values of fixed maturities for which no active market exists are derived from quoted market prices of similar instruments or other third-party evidence. The fair value of the LROC preferred units is based on quoted market prices, and the fair value of the subordinated debt is estimated using an internal model based on significant market observable inputs. The fair values of senior unsecured debentures, for which no active market exists, are derived from quoted market prices of similar instruments or other third-party evidence.
The Company employs a fair value hierarchy to categorize the inputs it uses in valuation techniques to measure the fair value. The extent of use of quoted market prices (Level 1), valuation models using observable market information (Level 2) and internal models without observable market information (Level 3) in the valuation of the Company's financial assets and liabilities measured at fair value on a recurring basis as of March 31, 2012 and December 31, 2011 was as follows:
NOTE 17 RELATED PARTY TRANSACTIONS Related party transactions, including services provided to or received by the Company's subsidiaries, are carried out in the normal course of operations and are measured in part by the amount of consideration paid or received as established and agreed by the parties. Management believes that consideration paid for such services in each case approximates fair value. Except where disclosed elsewhere in these unaudited consolidated interim financial statements, the following is a summary of related party transactions. In August 2011, the Company and its subsidiary, 1347 Advisors, entered into a management services agreement with United Insurance Holdings Corp. ("United"), a third-party. This agreement provided that 1347 Advisors supply the services of an interim Chief Financial Officer to United, as well as certain strategy consulting, corporate development, corporate finance and actuarial services. Pursuant to the management services agreement, Hassan Baqar was appointed interim Chief Financial Officer at United. Mr. Baqar is currently a Managing Director of 1347 Advisors as well as a Vice President of KAI. Mr. Larry G. Swets, Jr., Chief Executive Officer and President of the Company, also served on the Board of Directors of United. In February 2012, Amigo received a letter from the Florida Office of Insurance Regulation ("OIR") which stated that Amigo, the Company and its subsidiaries,
and United are affiliated entities due to their common managerial control. As a result of the foregoing, among other things, the Company may not transfer any assets to United or any of its affiliates without the prior written approval of the OIR. Subsequently, the Company and United mutually agreed to terminate their management services agreement effective April 2, 2012. Furthermore, Mr. Swets resigned as a member of United's Board of Directors effective April 5, 2012. NOTE 18 COMMITMENTS AND CONTINGENCIES In connection with its operations in the ordinary course of business, the Company and its subsidiaries are named as defendants in various actions for damages and costs allegedly sustained by the plaintiffs. While it is not possible to estimate the loss, or range of loss, if any, that may be incurred in connection with any of the various proceedings at this time, it is possible that individual actions may result in a loss having a material adverse effect on the Company's financial condition or results of operations.
NOTE 19 SUPPLEMENTAL CONDENSED CONSOLIDATING FINANCIAL INFORMATION In 2004, KAI issued $125.0 million 7.5% senior notes due in 2014 through a private offering. These notes are redeemable at KAI's option on or after February 1, 2009 and are fully and unconditionally guaranteed by the Company. On July 10, 2007, the Company through its newly formed, wholly-owned subsidiary Kingsway 2007 General Partnership ("K2007GP"), issued C$100.0 million 6% senior unsecured debentures with a maturity date of July 11, 2012, unconditionally guaranteed by the Company ("KFSI") and KAI (each a "Guarantor"). The following tables show condensed consolidating financial information for the Company as of March 31, 2012 and December 31, 2011 and for the periods ended March 31, 2012 and 2011, with a separate column for each Guarantor, the issuer and the other businesses of the Company combined ("Non-Guarantor subsidiaries").