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"Nothing has driven home a certain truth about my generation, which is approaching the apex of its childbearing years, quite like this."
--"The New Yorker"
"A parenting zeitgeist"
--"Washington Post"
"A hilarious take on that age-old problem: getting the beloved child to go to sleep."
--National Public Radio
"A new Bible for weary parents"
--"New York Times"
"Resonates powerfully with almost everyone"
--"Boston Globe"
""Go the F*** to Sleep" challenges stereotypes, opens up prototypes, and acknowledges that shared sense of failure that comes to all parents who weary of ever getting their darling(s) to sleep and briefly resuming the illusion of a life of their own."
--"Midwest Book Review"
"Go the F*** to Sleep" is a bedtime book for parents who live in the real world, where a few snoozing kitties and cutesy rhymes don't always send a toddler sailing blissfully off to dreamland. Profane, affectionate, and radically honest, California Book Award-winning author Adam Mansbach's verses perfectly capture the familiar--and unspoken--tribulations of putting your little angel down for the night. In the process, they open up a conversation about parenting, granting us permission to admit our frustrations, and laugh at their absurdity.
With illustrations by Ricardo Cortes, "Go the F*** to Sleep" is beautiful, subversive, and pants-wettingly funny--a book for parents new, old, and expectant. You probably should not read it to your children.
"Seriously, Just Go to Sleep, " a children's book inspired by "Go the F*** to Sleep" and appropriate for kids of all ages, is forthcoming from Akashic Books in April 2012 and available NOW for pre-order.
Book: | Go The Fuck To Sleep |
Author: | Adam Mansbach |
Binding: | Hardbound |
Publishing Date: | 2011-06-14 |
Publisher: | Akashic Books |
Number of Pages: | 32 |
Language: | English |
Please Note - * We sell only NEW book and do NOT sell old or used books. * The book images and summary displayed may be of a different edition or binding of the same title. * Book reviews are not added by BookAdda. * Price can change due to reprinting, price change by publisher / distributor. |
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What can you do with a feed truck, a drone and a herd of cattle? A rancher who is famous for serenading his cows will tell you.
Add Bluetooth to your cow and create your perfect smartwatch with these new Bluetooth devices shown off at an event in London.
A vegan-cheese project on Indiegogo aims to replicate cheese from cows' milk without involving any mammals.
Methane gas from 90 cows comes together with a static electric charge to cause a lot of damage.
Get ready, Simpsons fans. Next month, Lego will release a $200 Simpsons house kit, and a bit later it will put out a set of minifigures of the show's major characters.
We never thought that scrolling our mouse over a blank screen while a man shouts "Cow!" could be so amazingly great.
Researchers set loose a real-life electric rustler to round up livestock, and say the cows fared well with their new robotic herder.
A video from AsapScience explores what would happen if humans suddenly disappeared from the face of the Earth (though we obviously wouldn't be around to worry about it).
Some things you cannot make up. In New York, a 21-year-old named Daisy Cowit is busy on her phone and, according to police, drives her Jeep into a herd of cows.
At its CES presentation, the chipmaker is expected to continue building on its recent announcements in wearables and the Internet of Things.

subset: commoncrawl


text:
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Emerging Concepts With Post-Lapidus Bunionectomy Weightbearing
The initial experience of surgeons with plates involved simple linear tubular plates that they seemed to use as a bailout when screw fixation failed intraoperatively. These linear plates were not anatomic and required significant bending to make the plates fit better. Often, these plates invaded the naviculocuneiform joint. The advantage of the linear plates was that the surgeon could achieve a long lever arm on the metatarsal component of the fusion but without the cuneiform stability, the cantilever effect did not appear to be effective. Some surgeons recognized this and used concomitant screws to provide this "extra" stability in a belt and suspenders approach.
Larger T-shaped plates were briefly popular but these plates were developed for distal radius fractures. Accordingly, there is a huge shape mismatch on the medial cuneiform and the plates were prominent and intrusive to the tibialis anterior and the extensor hallucis longus tendon. Additionally, the screw orientation into the medial cuneiform was not ideal.
The first generation of dedicated Lapidus plating systems offered a four-hole design with two periarticular screws and some with various step-offs within the plate considered that final position of the metatarsal on the cuneiform to achieve a better fit. Locking systems offered more stability. Two theoretical disadvantages of periarticular plating systems are that the cantilever forces are not specifically addressed intrinsically within the plate and compression does not occur.
The second-generation systems involved more anatomically minded locking plating systems that had a smaller T-shape to increase the fixation options available in the medial cuneiform. The stem of the T provides a longer metatarsal component for a compression hole. Again, some surgeons still utilized a screw that was not incorporated into the plate, mainly because of previous plate generation habits. Another variation is systems that provide a recessed transfixation screw incorporated into the plate. This recessed screw requires one to bore out the undersurface of bone to allow the flat plate to lay against the bone. Flat plates may require bending to match the shape of the fusion site.
A Closer Look At The Third Generation Of Plating Systems
Third-generation Lapidus plating systems include features of previous generations but are designed (contoured) for the special anatomy of the first tarsometatarsal fusion site. In particular, I would like to discuss the Contours Lapidus Plating System (Orthofix).
There are a few important design features with regard to the shape. First, the plate matches the geographic landscape of the underlying bones. The plate is not flat and is essentially pre-bent. The contour of the plate intrinsically incorporates the final position of the fusion site with the specific consideration that the joint is resected and the metatarsal component either translates inferiorly on the cuneiform or plantarflexes.
Second, this plate was designed to fit within the safe zone on the medial surface of the fusion site, avoiding the extensor hallucis longus tendon course (superiorly) and the tibialis anterior tendon insertion (inferiorly). Accordingly, there is less chance for soft tissue irritation because the plate does not interfere with mobile structures.


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During closure of the neural tube in the mouse, transcription factor AP-2 is expressed in ectoderm and in neural-crest cells migrating from the cranial neural folds. Cranial neural crest cells provide patterning information for craniofacial morphogenesis, generate most of the skull bones, and together with placodal ectoderm, form the cranial ganglia. To study the role of AP-2 during embryogenesis, we undertook a targeted mutagenesis of the AP-2 gene in the mouse. Here we report that AP-2(-/-) mice died perinatally with cranio-abdominoschisis and severe dismorphogenesis of the face, skull, sensory organs and cranial ganglia. Failure of cranial closure between 9 and 9.5 days postcoitum coincided with increased apoptosis in the midbrain, anterior hindbrain and proximal mesenchyme of the first branchial arch, but did not involve loss of expression of twist or Pax-3, two other regulatory genes known to be required for cranial closure.
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text: Your Insights God's care in small situations By Beverly Smith - August 1, 2012 I've seen the presence and power of divine Love proved countless times in my life—injuries and illnesses have been healed, relationship problems have been resolved, and employment has been found. I know I can put my hand in God's, and He will guide me safely to the right solutions. The one constant By Kyle Schaberg - August 1, 2012 Years ago, after finishing college, I moved to the West Coast, away from my family, friends, and comfort zone. The hustle and bustle of Los Angeles was quite different from the slow-moving Midwestern town I had grown up in. Knowing you 'know' By Sylvia Messner - August 1, 2012 One day, while I was sharing a quick, one-sentence thought with someone in need of healing, the words flowed out of my mouth spontaneously as if they had been said through me, instead of by me. I knew the words were true, but I didn't know I understood them. Turning the dragon into an inchworm By Barbara Whitewater - August 1, 2012 One day, as I was about to call a Christian Science practitioner for help, I was tempted to voice all the ugly details of a problem so he would know how hard he had to pray for me. Then I started to laugh at how foolish that was. In God we trust By Linda Dinardo - August 1, 2012 To me, there is a reason why the phrase "In God We Trust" is an integral part of every piece of money minted in the United States of America. A very sound, strong, and fundamental reason, which undergirds the basis upon which any economy can function—full and complete faith in the one God. Prayer on the road By Gail Ahrens - July 1, 2012 Once, a fellow church member asked me which radio station I listened to while driving to work. I replied that I prayed during my short morning commute, and celebrated the events of the day by listening to my favorite music station on the drive home. Real or counterfeit? By Edyth Roberts - July 1, 2012 A co-worker at a learning center where I am employed suddenly began to make unkind, snappy, sarcastic remarks to me on a daily basis for several weeks. I strove not to react, but rather to respond lovingly or to say nothing. Citizenship in God's kingdom By Leslie Cavill Haslam - July 1, 2012 What does it mean to be a citizen of the kingdom of God, the kingdom of heaven? This question came to my thought not long ago, when I found myself captivated by the following idea: "Imagine a kingdom with no borders, no crossing points, where each citizen has an inalienable right to access all the good that a loving Father bestows! Citizenship in God's kingdom enables each of us to use spiritual, God-bestowed talents that fulfil our deepest aspirations" (Ann Kenrick, "Christ's Invitation," The Christian Science Journal , April 2011, p. 53 ). Let God be in control By Cliff Leeker - July 1, 2012 After arriving by plane in California for a two-week vacation, my wife and I waited for our luggage, but mine never showed up. I was upset because I didn't want to begin our vacation without most of my clothes. Beyond the loaves and the fishes By Mark Sappenfield - July 1, 2012 There is no doubt that Christian Science is the most powerful and far-reaching healing agent the world can know. Healings of diabetes, cancer, and other illnesses deemed incurable by medical science prove that. 1 2 3 4 9 next


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Facts revealed about Menopause:
Have you recently being hit by menopause and wondering what to do next? Or you are still uncertain wondering if you are being hit by premenopausal symptoms. Irregular periods, frequent and intense hot flashes, mood swings and excess night seating are some symptoms that indicate the start of menopause.
Symptoms of menopause:
Different women experience different menopause symptoms. Some females gain weight during the menopause phase. Others find difficulty in sleeping, some experiences fatigue and decrease in sex drives. All these issues are quite disturbing and can adversely affect your personal life.
Menopause is a normal stage in every mid-aged woman; estrogen deficiency is main cause for menopause. There are many approaches that help to provide you with relief from the symptoms of menopause. You should try to stick with herbal methods and treatments. The medical procedures like hormone replacement therapy costs you a fortune and can cause side-effects post treatments. Such treatments have certain possible dangers on health of women.
Let us now find out the five best tips for getting relief from the menopause symptoms.
5 Best Tips for Relieving Menopause:
Menopause is a stage that indicates the final stop for getting pregnant. A woman who attain menopause is no longer able to conceive a child. Here are some of the best and safe five ways that will support you through the menopause phase.
1) Exercises: If you consider walking certain distances for about 20 minutes a day which help to tone your muscles. Menopause is a stage where the most women experience cramps in muscles. It also helps to boost the bone density which gets decreased due to aging. Walking is a gentle exercise that lowers the bad cholesterol levels and raises the good ones. It also prevents the blood pressure from shooting high and help to manage weight during menopause. This will heighten your moods and make you feel more relaxed, calmed and happier. Going out for a walk will help you to get the additional benefit of vitamin D which is essential to improve the immunity system. This also prevents you from getting cancer. Walking is light exercise that makes you more enthusiastic as you do not need to undergo rigorous workout.
2) Consume healthy diet: The internet has lots of misleading information regarding the diet to be taken during menopause. You should be well-informed about which foods to avoid during menopause. Foods which contain hot spices can trigger heavy and intense flashes. Check your main source of nutritional supply from food consumed during the menopause stage. Do little research and follow a sugar control diet that helps to balance your hormones. This also helps to maintain healthy weight and works in reducing the inflammation caused from distress in digestive system.
The baked potatoes, rice, pastas are foods that are metabolized into sugars. These trigger the insulin level in the body and also cause more fat gain.
3) Give yourself Time: Menopausal women are more prone to experience sudden mood swings and tears. This makes women feel anxiety and ultimately can lead them to depression. Women should take out time from their routine work and indulge in performing some hobbies. You should find free time and can dedicate it with your grandchildren. Keep yourself engaged in activities that interest you and fuels your mood positively.
Writing books or attending some special hobby classes will lift up your mood and make you feel enthusiastic about life. You can discuss career and other topics of interest with your children. Never be left alone at home this could make you feel isolated. It will trigger more depression and anxiety which could further cause serious health issues. Indulging yourself in new activities will encourage learning to take care of self. There are many things you can do to keep yourself happy during this stage. Go for massage or get into luxurious bubble bath with candle light. Have a no-kid zone by plugging in your earpiece and enjoy sweet music.
Taking out time doesn't mean to dedicate full day around these activities; mere 15 minutes is enough. You can mark the tie and prepare a schedule on your calendar. This will surely boost up your mood, rejuvenate the body, revitalize your mind and clams your nerves.
4) Avoid excess caffeine, nicotine and alcohol: Keep track of what you put inside during this phase; excessive caffeine intake can worsens the menopause symptoms. Alcohol and nicotine ate some substances that you should definitely avoid to prevent the intensity of symptoms. Although caffeine helps to uplift your mood but it can exacerbate the flashes and bone loss. Alcohol is an equal culprit that contributes to anxiety and insomnia in women thereby worsens the symptoms of perimenopause. You should avoid first and second hand cigarette to get through this phase peacefully. Caffeine is known to disrupt the mineral absorption and also triggers stress. Alcohol dehydrates your body and makes you feel more depressed. This will magnify the stress and anxiety in menopausal women. After drinking alcohol one may think that she will be able to sleep but this will spike the blood system of the body. It will cause you to wake up in the middle of the night and also contribute to difficulty to sleep again.
Smoking is one of the main factors that triggers early menopause in women. People who are addicted to smoking have reported to get premature menopause; it is phase that occurs even before the age of 45. This is also known to increase the risk of osteoporosis. Smoking weakens the bones and muscles thereby contribute to feeling severe pain in joints. Smokers also experience heart burns and also complain of heart diseases.
Nicotine has adverse effects on the nervous system and changes the secretion of hormones. They affect the levels of hormones in females and triggers intense flashes and worsen other menopause symptoms. You can try hypnotherapy to get over with cigarette smoking and any other addictions.
5) Choose safe and all natural menopause relief supplements: Nowadays there are many products in the market that claims to support menopause women. Menopause relief supplements which contain natural ingredients are safe to reduce the symptoms. These supplements do not require you any prescription and they are available at affordable costs. They contain fewer side effects compared to the hormone replacement therapy.
The ingredients present in these supplement work to balance the levels of hormones like estrogen. It boosts up your mood and also increases your libido. Some of the menopause supplements work to improve the bone density and prevent you from experiencing inflammation in your joints.
You should check the ingredients before you decide to buy a menopause supplement. Read the functioning of these ingredients to provide relief from severe symptoms of menopause.
Concluding the tips to get relief from menopause symptoms, menopause supplements are better way to treat the symptoms. It is effective and viable method to treat the symptoms of menopause. This will help to give you healthy and happier menopause. Read reviews on menopause relief supplements to choose best ones that guide smooth transition through the menopause stage.
Thanks for the green stars; this inspires me more to move on with causes.
Have been wondering how to enrich the beauty without using harsh checmicals? Natural treatments are better way to treat the skin issues and get back moistuized and beautiful skin. There are many home remedies that require to apply the paste prepared from ingredients like honey, lemon juice and rose water. Dont' you think all these are available at no cost from plants, animals that are around us!Most of us help applying these paste over the face using our fingers. But we should remember the germs and bacteria which are present on our fingers. So how to apply the paste here's a shocker. Honey bees and snails helps you to have a natural facial!!Snail Facial Treatment To rejuvenate Your Skin:Although this is bizzare and fictious but yes the creams or paste prepared organically will now be applied with help of snails. Earlier there was an incident where a women applied a cream which was derived ingredient makde from semen!! This was a great skin care susbtance which hydrated the skin and slowed down the aging process of skin. This proved good alternative to the Botox treatments which were used as an anti-aging procedure to regian back youthful look. The venom of bees have anti-inflamation that provides effects similar to Botox.Another one is slime of the snial where the snail crawls over your face. It helps in depositing the carbohydrates and proteins on skin. These serums have far benefits and gives you positive benefits to skin.The only question remains how far are you willing to push the beauty treatments to get beutiful skin.


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MDIN-221/241 is a highly integrated single chip implementation of deinterlacing, format
conversion and video enhancemet. It converts SD video to higher resolution format, up to Full-HD.
MDIN-221/241 receives any format of input video and performs deinterlacing and format
conversion to produce any desired format of progressive and interlaced scan video with
excellent singal quality preservation.
MDIN-221/241 provides high quality edge preserving deinterlacing with the 4th
generation motion adaptive 3-D deinterlacing algorithm and performs proper processing
for fast motion and film video sources.
MDIN-221/241's high quality deinterlacing, format converting and video enhancement
capability are suitable for digital display applications such as set-top-box, digital
video recorder(DVR), DVD player, TV box and portable converter system.
Two digital video input ports for 10-bit precision interlaced or progressive scan video
Four I2S and one S/PDIF audio input ports
(MDIN-241 Only)
MDIN-221 : Analog RGB/Component and Digital video output
MDIN-241 : Analog RGB/Component and HDMI output(ver.1.2)
Motion adaptive 3-D deinterlacing with pixel-by-pixel level motion adaptive interpolation
Advanced multi-directional edge preserving deinterlacing
Deinterlacing with fast motion, slow motion and still image detection and processing
Deinterlacing with film mode, bad-edit and subtitle detection and processing
3-D noise reduction filter with cross-color suppression
Independent horizontal and vertical scaling with anti-aliasing interpolation filter
Horizontal peaking filter and color enhancement processing for crisper picture quality
Programmable brightness, contrast, hue, saturation control with adaptive contrast enhancement
1 layer OSD with 16 color and 4 sprite(bitmap and character mode)
Cost and size effective embedded frame memory
Serial I2C bus interface
144-pin FBGA packages(12mm X 12mm)
Video Input
- Digital video input with 10-bit precision
- Input resolution : Interlaced scan 720x480i or 720x576i
Progressive up to 1280x1024p
- Video format : RGB/YCbCr 4:4:4 or YCbCr 4:2:2
Y/C type : Multiplexed(BT.656) or separated(BT.601)
Sync type : Separated or embedded(BT.656/BT.1120)
Digital input : 12/24-bit(4:4:4) or 8/10/16/20-bit(4:2:2)
Video Output
- Digital
(MDIN-221 Only)
and analog video output
- HDMI(ver.1.2) output
(MDIN-241 Only)
- Output resolution : Interlaced up to 1920x1080i
Progressive up to 1920x1080p
- Digital output video format
(MDIN-221 Only)
12/24-bit(4:4:4) or 8/10/16/20-bit(4:2:2)
RGB/YCbCr 4:4:4 or YCbCr 4:2:2
Y/C type : Multiplexed(BT.656) or Separated(BT.601)
Sync type : Separated or embedded(BT.656/BT.1120)
- Analog video output with triple 10-bit DACs(Separated sync or Sync on G/Y)
- Motion adaptive 3-D deinterlacing on a per-pixel basis
- Advanced multi-directional edge preserving
- Fast motion, slow motion and still image detection
- Motion boundary preserving
- High frequency area detection and adaptation
- Film mode support for 3:2 and 2:2 pull-down
- Bad-edit/subtitle detection and adaptation
Noise Reduction and Cross Color Suppression
- High quality 3-D noise reduction with motion detection
- Cross-color suppression for 2-D comb-filtered input
Format Conversion
- Independent horizontal and verical scaling with anti-aliasing interpolation filter
- Format conversion from one format to another format with an arbitrary scaling ratio
- Scaling ratio : x1/15 ~ unlimited
- Programmable size & position zoom in/out
Dispaly Functions
- Brightness, contrast, hue and saturation control
- Programmable display size and position
Frame Rate Conversion
- Frame rate conversion from 3-250Hz to 3-250Hz
- Conversion ratio : x1/31 ~x31
- Utilizes embedded memory as frame buffer
Signal Enhancement
- High order programmable horizontal peaking filter
- Filter for color component enhancement
- LTI and CTI for edge enhancement
- Programmable gain control & coring
- Adaptive contrast enhancemnet
- Bitmap and character mode OSD
- One layer with 4 sprites
- 16-color with 32-level alpha blending
- Up to 32x63 font size and 1-bpp or 4-bpp font color
- 32-row x 16-col or 16-row x 32-col character map
- Bitmap copy and run-length decoding
HDMI/DVI Trnasmitter
(MDIN-241 Only)
- Industrial standard compliant HDMI 1.2, DVI 1.0, EIA/CEA-861D & HDCP 1.1
- I2C Master interface for DDC connection
- Integrated HDCP cipher engine and Pre-programmed HDCP keys
- Hot plug detection for monitor/TV interface
- Four I2S audio inputs : 2-ch 192kHz or 8-ch 96kHz
- Industrial audio standard support : IEC60958 for PCM and IEC61937 compressed audio(Dolby Digital, DTS and etc.)
- Adjustable audio delay for A/V synchronization(up to 680ms at 48kHz)
- Built in Consumer Electronics Control(CEC) support
Frame Buffer Memory
- Embedded frame buffer memory
Communication Interface
- 2-wire serial interface-I2C
- Auto detection of input video/sync
- Support composite sync and non-standard sync signal
- Lock-to-input sync mode or free-run mode
- Programmable output sync singal generation
- Built-in test pattern generation logic
Electrical and Mechanical Characteristics
- 1.2V, 1.8V & 3.3V supply voltage
- 3.3V I/O signal interface
- Low power consumption : Max 0.5w(for HDMI output)
Max 0.7w(for analog output)
- 144-pin FBGA package(12mm x 12mm/0.8mm pitch)


text:
- Text Size:
- ASmall Text
- AMedium Text
- ALarge Text
A local church hopes to bring members of the community together to remember the victims of a devastating ferry accident half a world away.
The death toll continues to rise following the sinking of the ship, with hundreds of people on board, earlier this month. Most of those believed to have perished were students on a school outing.
The Korean New Orleans United Methodist Church is organizing a candle lighting service and prayer meeting, to be held Friday at 8 p.m. at 3110 Division Street in Metairie. The public is invited to attend.
Classes resumed on Thursday at Danwon High School near Seoul, South Korea -- the first time the school has been open since the passenger ferry sank.
The halls are emptier now and the sense of grief is great. Hearses ushered pictures of the dead and missing onto campus. Authorities say 171 people are dead and 131 missing from the sinking.


text:
Reverse extinction: Should we redo the dodo, wonder researchers
Published on Apr 22, 2013 1:32 PM
PARIS (AFP) - Woolly mammoths stomp through the Siberian tundra as the giant moa strides the forest floor of New Zealand and Tasmania's dog-like "tigers" stalk their prey under the cover of night.
This is not a snapshot of times past, nor next year's sequel to Steven Spielberg's "Jurassic Park."
Instead, it is a scenario that some biogeneticists see as plausible in our own lifetimes: the resurrection of species driven to extinction, sometimes thousands of years ago.
Next Thursday will be 60 years since Francis Crick and James Watson published their paper unveiling the structure of DNA, the double-helix genetic code for life.
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text:
Skip Maine state header navigation
Home | Contact Us | Careers | Calendar |
> PFR Home
> Insurance Regulation
> Administrative & Enforcement Actions > Licensee Discipline > INS-08-302 and INS-09-209
The Staff of the Bureau of Insurance has requested that the Superintendent revoke the insurance producer licenses of Nicholas E. Costa and CostaConroy, LLC, and has denied the license application of Joseph P. Conroy. As discussed more fully below, the Superintendent finds that the Respondents have engaged in a pattern of deceptive, untrustworthy, and incompetent conduct. Therefore, the petitions for license revocation are granted, the license denial is upheld, and civil penalties are assessed in the amount of $15,000 against CostaConroy and $1,000 against Mr. Costa individually. Background and Procedural History Mr. Costa and Mr. Conroy are the principals of CostaConroy, a Delaware limited liability company that has been licensed in Maine as an insurance producer business entity (License No. AGR149977) since February 6, 2008. (Stip. ¶ 3; Tr. 22)1 Mr. Costa is the majority owner and Mr. Conroy is the CEO. (Staff Exh. 8 at 3, 5) Mr. Costa has been a licensed resident insurance producer in Maine (License No. PRR78486; National Insurance Producer Registry No. 4635099) since May 17, 2001. (Stip. ¶ 1) He is the only licensed insurance producer who has ever been affiliated with CostaConroy. (Stip. ¶ 5) Mr. Conroy has taken and passed the Maine life insurance producer license examination. (Stip. ¶ 8) On October 28, 2008, Mr. Conroy filed an application for licensure as a resident insurance producer. The Superintendent issued a Notice of Pending Denial on June 12, 2009. On the same day, Bureau Staff, through Attorney Arthur G. Hosford, Jr., filed a petition to revoke Mr. Costa's individual insurance producer license, to revoke CostaConroy's producer business entity license, and to deny Mr. Conroy's license application. Also on the same day, the Superintendent issued a notice of hearing in the matter of Mr. Costa and CostaConroy. A hearing before the Superintendent was scheduled for July 14, with Bureau Staff appearing as a party pursuant to 5 M.R.S.A. § 9054(5). On June 23, 2009, Mr. Conroy requested a hearing on his license denial, and the three Respondents, represented by the same counsel, jointly requested the consolidation of the proceedings and the postponement of the hearing date. The motion was unopposed, and the Superintendent promptly notified the parties that the motion would be granted, with a formal order to issue as soon as the hearing could be rescheduled. On July 22, the Superintendent issued an order granting the motion and setting the consolidated hearing for August 6, which was held as scheduled. At the hearing, the Superintendent asked the parties to provide additional materials, as memorialized in a Post-Hearing Procedural Order issued on August 12. Pursuant to the Order, these materials were all filed and admitted into the record. The record closed upon the filing of the parties' written closing arguments on August 28. Unlicensed Practice as Consultant In analyzing the charges against the Respondent, this Decision and Order will for the most part follow the classification and organization in the Staff's Closing Argument. First, the Staff alleges that the Respondents unlawfully held themselves out as consultants, which is a statutory term of art. Unlike an insurance producer, who sells insurance on a commission basis, an insurance consultant sells advice for a fee. A consultant selling annuities is expressly prohibited from being compensated for sales without a written agreement in which both the commissions and fees are disclosed and the dual representation is authorized by the client. 24-A M.R.S.A. § 1466(2). No Respondent has ever been licensed as a consultant pursuant to 24-A M.R.S.A. § 1462.2 (Stip. ¶ 26) No person without such a license may "act as or purport to be a consultant with respect to insurance risks resident, located or to be performed in this State" 24-A M.R.S.A. § 141 l(2). Nevertheless, it is undisputed that CostaConroy repeatedly advertised itself in several media as "CostaConroy, LLC, Personal Wealth Consultants." (Stip. ¶¶ 12, 15, 18, 19) As the Respondents acknowledge, an insurance producer should know better, and they admit that they violated 24-A M.R.S.A. § 2154 (Resp. Br. 2), which prohibits untrue, deceptive, and misleading advertising. However, they deny having acted as unlicensed consultants, insisting that "they never held themselves out as 'Insurance Consultants,' nor did they ever act as such or refer to themselves as insurance consultants." Instead, "they were simply trying to distinguish themselves." (Id) The statutory standard under Section 1411 is whether they held themselves out as "consultant[s] with respect to insurance risks." Respondents suggest that a violation of this section requires the use of the specific phrase "insurance consultant," while the Staff suggests that any use of the word "consultant" by an unlicensed person is a per se violation. A finding on this legal issue is not necessary for the disposition of this case. The Respondents have admitted violating 24-A M.R.S.A.§ 2154 by engaging in deceptive advertising in their efforts to distinguish themselves from competing sellers of financial products. Whether the use of the term "personal wealth consultants" also violated 24-A M.R.S.A. § 1411 would not change the sanctions. The Respondents' broader pattern of deceptive conduct is discussed further below. Use of Guaranty Association for Marketing Purposes The Maine Life and Health Insurance Guaranty Association Act prohibits any person, expressly including an agent of an insurer, from using "the existence of the association for the purpose of sales, solicitation or inducement to purchases of any form of insurance covered by this chapter." 24-A M.R.S.A. § 4620. This is another law the Respondents admit violating. Their "Investment Guide For Volatile Times" includes the following paragraph: References to the guaranty association also appeared on CostaConroy's website. (Staff Exh. 9-A at 8 & 10) In mitigation, the Respondents argue that their intent was merely to provide complete and accurate information to consumers. They assert that this is a poorly understood area, noting that Mr. Conroy took and passed the licensing exam without having any idea that referring to the guaranty association for marketing purposes violated the law. They introduced into evidence the manual from a prelicensing education course Mr. Conroy took, in which this prohibition was never mentioned. (Resp. Exh. 2) They observed further that a press release issued by the Superintendent herself and the National Association of Insurance Commissioners (NAIC) have mentioned the guaranty association in a press release discussing the general health of the insurance industry in the context of the financial crisis that faced the AIG holding company last fall. (Resp. Exh. 1) An oversight in a private educator's course materials does not exempt producers from their responsibility to learn the law and comply with it. Furthermore, while Mr. Conroy's inexperience might be grounds for leniency, Mr. Costa should have been there to correct the error. The discussion of the guaranty association by the Superintendent and the NAIC occurred in a different context, and was not done for marketing purposes, which is all that the statute prohibits. Staff asserts further that referring to the guaranty association for marketing purposes, in addition to violating the specific prohibition in the guaranty association law, also constitutes an unfair and deceptive trade practice in violation of Sections 2152, 2153, and 2154 of the Insurance Code. (Tr. 4) However, reference to the guaranty fund, in and of itself, only implicates 24-A M.R.S.A. § 2152, the section that prohibits unfair methods of competition. When other similarly situated producers abide by the restriction on discussing the guaranty fund, it is unfair to skew the playing field by failing to abide by the same limitations in one's own advertising. By contrast, sections 2153 and 2154 prohibit untrue, deceptive, and misleading advertising. A truthful and accurate reference to the guaranty association would not violate either of these sections. However, even though a truthful and accurate representation would not violate the statutory prohibitions against false or misleading advertising, the Respondents were not accurate in their description of the guaranty association. The $300,000 limit in the quoted paragraph from the "Investment Guide" applies only to life insurance death benefits, 24-A M.R.S.A. § 4603(3)(B)(l). At the time the "Investment Guide" was published, the limit for annuities was only $100,000.3 24-A M.R.S.A. § 4603(3)(B)(3). Furthermore, the explanation that "Your money is insured by the insurance company .... each state determines the amount each insurance company must insure each and every client's account" is incomprehensible. The Web materials in Exhibit 9-A provide a more straightforward and direct reference to the "guaranty fund," and state the limit of coverage accurately, but erroneously suggest that protection is provided by a fund to which insurers contribute each year, rather than by a system of post-insolvency assessments with no advance funding. Exaggerations of Qualifications, Experience, and Scope of Business CostaConroy's "Investment Guide" boasts twice that "CostaConroy has assisted hundreds of clients in achieving their retirement goals in a SAFE and Pre-Determined manner." (Staff Exh. 8 at 15, 18) This is simply a lie, and it is inexcusable. At hearing, when asked "did CostaConroy have hundreds of clients?" Mr. Costa testified "No, sir." "How many clients did they have?" "I believe to date there are ... less than that, significantly less than that." "How many did they have between the inception of the business and October 2008?" "I believe at that point there were five to seven." The discrepancy is too great to be an innocent mistake, and I find that the statement constitutes untrue, deceptive, and misleading advertising in violation of 24-A M.R.S.A. § 2154. Along the same lines, CostaConroy's website included a page captioned "What our clients are saying," featuring endorsements by P. McGlaughlin, J. Romboski, A. Mears, H. Goldstein and E. Brown. (Staff Exh. 13 at 9-10) Mr. Conroy readily conceded, however, that these were not the names of CostaConroy clients. He testified that he was not familiar with the names, and that "there was communication between Nick and his former wife, Anne,4 Nick and myself, that the RCM clients were going to become CostaConroy clients," and so "Nick was bringing in some RCM clients, if you will, in quotations into CostaConroy." (Tr. 116) However, when Mr. Costa was asked if they were former RCM clients, he testified that he had never heard of them either. (Tr. 211-12) Mr. Conroy then testified that "either I got them from him or got them from Veronica. I got them some way here." (Tr. 240) "It had to come from the material that I pulled together in order to put together the website." (Tr. 242) He admitted, however, that he did not know whether the names and quotations had come from RCM. (Id.) He admitted further that the pictures illustrating the quotations "are just abstract photographs. They are not pictures of the people that are being quoted .... I wanted to include something of people that were, you know, relatively happy." (Tr. 240) I do not find plausible any suggestion that the mystery clients were clients of Mr. Costa's ex-wife that Mr. Costa did not know about, and that she had obtained the quotations and furnished them to Mr. Conroy. I therefore find that these client testimonials were fictitious. This is another inexcusable act of false advertising in violation of 24-A M.R.S.A. § 2154. Other violations result from what might have been a genuine confusion between RCM and CostaConroy. CostaConroy's radio advertisement introduces Partner Nick Costa, who "describes a typical client's relief." (Staff Exh. 12; Resp. Supplemental Audio Submission)5 When Staff asked them to identify the client, Mr. Costa identified him as C.T., who was actually a client of Mr. Costa's when he was still with RCM. This is not accurate, and it is materially misleading. A new business with experienced personnel is not the same thing as an established business with a solid track record in its current form. Even if Mr. Costa and Mr. Conroy were truthful in their testimony that Mr. Costa's ex-wife was talking with them about possibly joining CostaConroy (Tr. 116, 181),6 and even if she had ultimately done so, CostaConroy and RCM would still have been two distinct agencies. The proper way to refer to the prior experience of CostaConroy's principals is in describing their individual qualifications, not in exaggerating the experience of CostaConroy as a firm. Another example of such exaggeration is the scenario describing how much better an investor would have done by buying a "CostaConroy Indexed Annuity" just before the 2000-01 stock market decline. This is impossible, when CostaConroy did not exist until 2008. That is a further instance of false advertising, in violation of 24-A M.R.S.A. §§ 2153 and 2154. In addition, the use of the title "personal wealth consultant," discussed earlier, was accurately characterized by Staff as "misleading personal puffery," and points to additional instances of such puffery. (Staff Br. 1-2) CostaConroy's promotional materials provided glowing résumés for both Mr. Costa and Mr. Conroy, who was allegedly being considered by MIT for an "honorary Ph.D." for an investment forecasting program that was so accurate that it brought Mr. Conroy under surveillance by the SEC. (Exh. 9-A at 3) The "Investment Guide" referred to Mr. Costa as a "Retirement Advisor" who "specializes in advising his clients on such subjects as [among others] how to preserve their assets and reduce their taxes." (Staff Exh. 8 at 3) At the hearing, Mr. Costa acknowledged that he has "no certification or license with regard to tax matters." (Tr. 27) He acknowledged further that he holds no credentials in the area of retirement advice, and said the reason he capitalized the title "Retirement Advisor" was "just because it looked grammatically correct." (Tr. 30) As the Respondents themselves have described it, their use of fancy self-conferred titles was an effort to "distinguish themselves" from their competitors, and make a statement that they were different from other insurance producers selling annuity products that are available from multiple sources. Similarly, their radio advertisement never once mentioned the words "insurance" or "annuity," nor anything else that would let the listener know that CostaConroy sells annuities, let alone that selling annuities is CostaConroy's entire business. (Staff Exh. 12; Resp. Supplemental Audio Submission) They admitted that this omission was deliberate, because "it can seem like a dirty word to a lot of people." (Tr. 69) Instead, they refer to their "stock market recovery program," and they attribute the performance of the annuities they sell to CostaConroy's own "proprietary software and programs," and they say their investment strategy "sets us apart." (Staff Exh. 12; Resp. Supplemental Audio Submission) There are also repeated references in their advertising to funds "invested with CostaConroy," as though they were actively managing clients' funds.7 (e.g., Staff Exh. 8 at 7; Staff Exh. 9-A at 12) This is misleading advertising in violation of 24-A M.R.S.A. § 2154. For additional information, they refer the listener to their "Stock Market Recovery Manual" which they offer to provide. (Staff Exh. 12; Resp. Supplemental Audio Submission; see also Staff Exh. 8 at 5) Respondents acknowledge that no such manual was ever completed and made available. (Tr. 88, 141) The "Investment Guide" announces further that Mr. Costa "will be expanding his client base in 2008 to include the entire U.S." (Staff Exh. 8 at 3) This is a gross exaggeration of his actual plan, which was to use direct mail marketing and expand "state by state on the basis that we were slowly going to build a nationwide business." (Tr. 28) Mr. Costa acknowledged that even this less ambitious version of the plan never came to fruition, and that he never sold any insurance products in any state except Maine. (Tr. 29) There are also sidebars on Page 10 featuring Suze Oman and Jim Cramer, with their pictures and accompanied by quotations from their books in bullet points. (Staff Exh. 8 at 10) Mr. Costa admitted that he did not believe CostaConroy had obtained permission from either of them. (Tr. 35) These could easily be mistaken for celebrity endorsements of CostaConroy. Even if we give the Respondents the benefit of the doubt and assume that they did not intend that level of deception, there is still a clear intent to convey the impression that superstar financial analysts approve of the same investment strategy the Respondents were promoting, and that the Respondents had permission to use their likenesses. Furthermore, while the Oman quotation does say that equity-indexed annuities can be the right purchase for some consumers, the Cramer quotation says nothing at all about annuities of any kind. Finally, a second manual entitled "Diversified Fixed Index Annuity Performance & Disclosure Manual" ends with a three-page section, captioned "Disclaimer," which includes a reference to "CostaConroy, LLC (United States) Limited or its subsidiaries (collectively, .CostaConroy.)" (Staff Exh. 9 at 38, punctuation as in original); a section implying that CostaConroy is in the business of selling structured securities (Staff Exh. 39); and a paragraph (Staff Exh. 9 at 40) purporting to explain that: Even Mr. Conroy testified that he was "shellshocked" when he finally read what he had written. (Tr. 113) The Respondents admit that they do not have any multinational operations or sister companies (Stip. ¶¶ 16-1 7; Tr. 56), but explain that as Mr. Conroy testified, he downloaded the disclaimer from another firm's website, "took out whatever name it was, I think it was a Swiss firm, and replaced it with CostaConroy." (Tr. 115) They testified that the "Performance & Disclosure Manual," unlike the "Investment Guide," was an unfinished draft that was never distributed to prospective customers or the general public. (Tr. 27, 52, 112-13) Mr. Costa testified that it was an assignment he gave Mr. Conroy as a learning experience. (Tr. 207-08) Mr. Costa gave inconsistent testimony whether he had read the manual at all. At two points in the hearing, he testified that he had not. (Tr. 189, 208-09) Earlier, however, he said he had read the manual but admitted not having read it thoroughly, and that "there were portions of the document that I overlooked, unfortunately, such as the - Switzerland and those mentions of other countries, et cetera." (Tr. 53) Staff argues that Mr. Conroy's explanation of how he wrote the disclaimer is not credible, emphasizing that "If the source document came from some web site, Conroy had to have placed the text "CostaConroy, LLC" in the downloaded document seven times, in order to get the text." (Staff Br. 3; emphasis in original) That is not evidence that Mr. Conroy actually saw the changes he was making, however, because he testified that he used the Find/Replace word processing command. (Tr. 239) The Superintendent takes official notice that the command has a "Replace All" feature that makes it easy to make precisely that sort of substitution without looking.8 If anything, it is easier to make seven substitutions without seeing what you have done than to make just one, and the reference to such entities as "CostaConroy, LLC (USA) LLC" and "CostaConroy, LLC Canada Inc." strongly suggests that Mr. Conroy made the substitution without looking at what he was doing. The only evidence offered by Staff that the manual with the disclaimer was ever more than an internal draft is that it was produced in response to a request for promotional materials "that you have offered or provided to clients or prospective clients" (Staff Exh. 14), and that Mr. Costa responded to a followup question by saying "The text that you are referring to below is a generic disclaimer that was used for some of our materials. The inclusion of this information was a simple oversite [sic]. We do not conduct business in any other country." (Staff Exh. 16; see also Tr. 113-14) Afterwards, however, Mr. Conroy wrote: "I checked all the email transmissions, printings, and dates, and I have found out that we did not send out a single copy of our manual with the 'Disclaimer' in it. This version was 'in the works' and I was unsure if we had sent any copies out when [Staff's original document] request came in. In his request he asked for the most recent / current marketing materials. However, at the time I was unaware if we had sent this particular version out. After considerable investigation, I am certain we have not sent any of these particular materials out." (Resp. Exh. 3) I find this explanation to be sufficient to overcome any presumption that might have been created by the original document production and Mr. Costa's vague reference to "some of our materials." Although it might seem unusual that Mr. Costa and Mr. Conroy did not know what promotional materials they were actually using, it is consistent with both the general operating style portrayed by the evidence and Mr. Conroy's testimony that their manuals were in a constant state of revision and that they would only print out a small number at a time. (Tr. 247-251) Staff has not been able to find the disclaimer in any final documents, any published documents, or any documents distributed to anyone outside CostaConroy and the Bureau of Insurance. Therefore, I find that Staff has not met its burden of proving that the disclaimer, or any of the other misstatements contained in the "Performance & Disclosure Manual," constitutes a violation of the false advertising law, 24-A M.R.S.A. § 2154. Misleading Product Comparisons Next, Staff alleges that the Respondents engaged in a variety of misleading comparisons between the annuities they sell and other financial products. In particular, the website attacks the reputation for safety that banks enjoy by making a misleading analogy between the FDIC and buying a third-party warranty on a car, and a misleading comparison between the capital requirements imposed by banking regulators and insurance regulators. (Staff Exh. 9-A at 8, 10) This constitutes deceptive and misleading advertising, in violation of 24-A M.R.S.A. § 2154, in a number of ways. In addition to associating the FDIC by innuendo to an industry that is notorious in some circles for legal and financial difficulties, the third-party warranty analogy ignores the bank placing its own full faith and credit behind its obligations, just as much as the insurer does. The FDIC protection is more appropriately analogized to the insurance guaranty fund,9 and any honest comparison between the two would have to acknowledge, as the Respondents fail to do, that the FDIC, unlike insurance guaranty associations, has an accumulated cash balance rather than relying exclusively on post-insolvency assessments, and has the federal government as a backstop. The comparison between bank and insurance capital requirements confuses the 16% reserve requirement for banks, which is a liquidity requirement, with the net worth requirement for insurers (which the Respondents erroneously attribute to the Federal government), which as the Respondents describe it, "requires to [sic] the insurance to 'back up' every dollar it invests, with a dollar in reserves."10 (Staff Exh. 9-A at 7) Banks, needless to say, are also required to maintain positive net worth. The safety concerns, when they arise, occur because a significant portion of a bank's assets typically consists of its loan portfolio. However, insurance investments are not immune from credit risk either, and they can include securitizations of those same loan portfolios. Insurance regulators do take these risks into account when determining whether insurers are adequately capitalized, but so do bank regulators. In the draft "Performance & Disclosure Manual," they make a different, but equally misleading, comparison between annuities and certificates of deposit. (Exh. 9 at 17) There, they imply, falsely, that provisions allowing limited penalty-free withdrawals from some annuities make annuity surrender charges less onerous than CD early withdrawal charges as a general rule, and that annuities always have more favorable tax treatment than CDs, which is not the case if the underlying investment is a tax-deferred retirement account. In addition, in the "Investment Guide," they assert that unlike some types of investments, "The value of the account is always at its high point. Because of this, there's never a bad time to take money from the account." (Staff Exh. 8 at 6) It is true that like all fixed-income investments that do not trade on a secondary market, the account value in a non-variable annuity does not fluctuate up and down unless the issuer defaults on its obligations. But that would just as well mean that there is never a good time to withdraw funds. This statement also ignores the significant surrender charges associated with annuities. As American Equity's own disclosure materials for the "Bonus Gold" product explain, the product is for "money you don't anticipate needing in the short term."11 (Resp. Supp. Exh. 2 at 60) With regard to these surrender charges, Staff asked Mr. Costa at the hearing how American Equity's surrender charges compared to those for other annuity products. He testified that "They were comparable." (Tr. 32) When Staff followed up by asking "They were higher, weren't they?" Mr. Conroy's response was: "They may seem higher, but when you factor in bonuses, et cetera, and rates of return, they're actually more liquid and you come out more ahead with the product. We run multiple scenarios. On the face it may appear that way, and it would appear that way to somebody who's just glancing and may not be an expert in the field." (Id) He agreed to produce "the calculations that I would go over with the client," describing the scenarios that he has run. (Id.) However, the document he produced pursuant to the Superintendent's Post-Hearing Order (Resp. Supp. Exh. I) was not a calculation he had performed himself, nor did it include any information that would allow consumers - or Mr. Costa himself - to compare American Equity's surrender charges to those of other insurers. It was identical to a sheet prepared by the Tucker Advisory Group, a "national marketing organization" that had furnished promotional materials to CostaConroy. (Tr. 41, 185) The sheet was captioned "More liquidity than you should ever take!" It purported to describe how one could withdraw 50% in one day and still be left with 1.2% of company's bonus, with a fine-print disclaimer at the bottom: "For illustrative purposes only. Actual performance may vary. Results not guaranteed." (Resp. Supp. Exh. 2 at 10) This was one of a number of "More liquidity than you should ever take!" sheets furnished by the Tucker Advisory Group corresponding to different product designs. (Resp. Supp. Exh. 2 at 16, 24, 32, 50, 52, 70, 72, 82, 92, 94, 104, 106) It is not clear whether Mr. Costa actually used these sheets for marketing purposes, which would constitute deceptive advertising in violation of 24-A M.R.S.A. § 2154. If he only used them for his own purposes, as the basis for his understanding of the products and their associated risks, it is evidence of incompetence. Misleading Descriptions of the American Equity Product CostaConroy advertised that what it was selling was a "risk-free option. (Staff Exh. 12; Resp. Supplemental Audio Submission), and that there is "no loss of Principle [sic] ever!" (Staff Exh. 13 at 2) All investments and all investment strategies have risks. Many of the risks are different for different types of investments, but that is not the same as saying that any approach is risk - free. CostaConroy's advertising also makes repeated references to annual returns of 13% or 13.56% (e.g., Staff Exh. 8 at 12; Staff Exh. 12). This is a misleading combination of the American Equity Bonus Gold minimum annual interest rate, which was 3.56% (Staff Exh. 8 at 12), with the product's 10% bonus credit. The 10% bonus is not like a "teaser rate" that is only available for one year, but fully available during that time. Because of the surrender charges, the bonus can only be fully realized if most of the initial premium is left in the account over a much longer period of time. It is thus seriously misleading, in violation of 24-A M.R.S.A. § 2154, to describe this as the amount that will be realized in a single year through CostaConroy's proprietary investment strategy.12 (Staff Exh. 12; Resp. Supplemental Audio Submission) It is still more misleading to consider a hypothetical 10% loss that the consumer might have incurred by investing in a mutual fund instead of buying an annuity, and add the two figures together to get a supposed 23% return in the first year. (Staff Exh. 9 at 9) CostaConroy creates further confusion by describing these exaggerated yields as a percentage of the consumer's stock market losses that CostaConroy can recover for them. (Staff Exh. 12; Resp. Supplemental Audio Submission) These are completely different concepts, as the percentage of losses recovered by a successful reinvestment strategy will depend on the amount of money lost and the amount of money available for reinvestment. Often, the percentage of losses recovered will be significantly higher. To the extent that they are selling themselves short, it is to some degree a sign of incompetence rather than deception, but the deceptive intent is also present, through distracting the consumer with large numbers and presenting their services as a "recovery strategy" rather than the sale of annuities. Another mischaracterization of equity-indexed annuities is the Respondents' explanation that customers can "choose if you want to have your money in the stock market or the bonds market." (Exh. 13 at 5) One important characteristic of equity indexed annuities, which distinguishes them from variable annuities, is that 100% of the customer's funds are invested at all times in the general account of the insurance company. Although interest rate credits are tied in part to the performance of one or more securities market indices, there is no dedicated customer account that is actually invested in any of those markets. Deceptive Statement to Regulators Finally, after Mr. Costa explained that C.T. was the "typical client" to whom he was referring in the radio advertisement (Staff Exh. 15), Staff asked CostaConroy to provide its complete customer files. (Staff Exh. 19) These files did not include C.T.'s file. Staff notified Mr. Costa of this omission, and Mr. Costa replied that the reason was that C.T. (as discussed earlier) was not actually a client of CostaConroy, but rather a client of Mr. Costa's when he was still with his prior firm. (Id.) Mr. Costa added that "To further clarify, I could just have easily been speaking of any one of the client's whom files you have as to their relief. ... To be more specific, [C.T.]'s reaction, while not a CC client, is certainly typical of a CC client" (Id., sic) Staff then made clear that they wanted "a full understanding of your marketing and sales activities." Because of the "blurring of the lines going on with regard to your personal clients versus Costa Conroy's," Staff wrote, "we need to request that you provide copies of all your client files ... for the period from January 2007 to the present." (Id., sic, emphasis in original) In response, Mr. Costa did provide a portion of the C.T. file. (Staff Exh. 20) Those documents would suggest - as does the satisfied client reference in the radio advertisement - that the product that C.T. finds so satisfying is the same product that CostaConroy was selling at the time: the American Equity Bonus Gold Annuity. To the contrary, Staff learned - from American Equity rather than from any of the Respondents - that the annuity C.T. had applied for was never issued, because the company had declined the application as unsuitable. (Staff Exh. 21) C.T. would have incurred a 15% surrender charge on the annuity he had purchased from Allianz barely a year earlier. Furthermore, the Allianz product was sold to C.T. by Mr. Costa himself. Mr. Costa explained the reason for the replacement by saying he had misunderstood some important product features at the time of the prior sale. (Id.) Nevertheless, Mr. Costa insists that after all of this, C.T. remains a highly satisfied customer, now that he has once again persuaded C.T. to be content with the annuity that was originally sold due to a lack of understanding of the product's features, which Mr. Costa and C.T. went to such efforts to try to replace. (Tr. 83-84) It was not even an evasive half-truth for Mr. Costa to provide what appeared on its face to be a self-contained customer file, and to leave out all reference to the rejection of the 2006 application, Mr. Costa's role in the 2005 transaction and the supporting file documents, and Mr. Costa's admission that he did not understand what he was selling the first time. He did not comply with the letter of Staff's request while violating the spirit, providing only documents from 2007 while conveniently ignoring the rest of the file, because the entire file predated 2007. The only possible bases for the manner in which he picked and chose what to submit and what to withhold would therefore be disorganization or deception, and the coincidence between what he withheld and what would reflect most poorly on him was too precise to admit any innocent explanation. I therefore find that Mr. Costa intentionally provided deceptive information to regulators, in violation of 24-A M.R.S.A. §§ 1420-K(l)(H), 1447, and 2186(1)(A)(2)(a) & (2). The additional documentation obtained by Staff also raises a strong inference that Mr. Costa was churning C.T.'s account to obtain multiple first-year commissions. However, because that was not one of the allegations of misconduct in the petition for revocation, and the issue was not fully explored at the hearing, I find only that in general, Mr. Costa's conduct with regard to the C.T. account corroborates the other evidence that Mr. Costa lacks the competence and trustworthiness required to be an insurance producer. Incompetence and Untrustworthiness Generally As discussed above, the record is replete with inaccuracies and outright deceptions on the part of all the Respondents. Even though the evidence indicates that the multinational operations "disclaimer," more likely than not, was never released to the public, Staff asserts that it was nevertheless "a characteristic part of Respondents' scheme of self-aggrandizement." (Staff Br. 3) I find this to be an accurate description of the disclaimer. It is a sign of incompetence to copy a three-page document prepared by a multinational Swiss securities firm without considering all the ways in which the language was unsuitable to the scope and nature of CostaConroy's operations. If the Respondents did not really understand the document they were copying, they must have been aware that consumers would not understand it either. It is likely that this was due to an intentional effort to dazzle the consumers with complexity. I therefore find compelling evidence that the Respondents have used dishonest practices and demonstrated incompetence and untrustworthiness, in violation of 24-A M.R.S.A. § 1420-K(l)(H). Allocation of Responsibility Up to this point, the Decision and Order has largely referred to CostaConroy or to the Respondents collectively. For most purposes, this is appropriate. Nearly all the wrongful acts discussed above were committed on behalf of CostaConroy. In most cases, the Respondents were working together, and knew or had the obligation to know what each other was saying on behalf of their common enterprise. In some cases, there was clear malfeasance on the part of CostaConroy but the Respondents pointed the finger at each other as to who was responsible. It is unnecessary to make definitive determinations as to the details, because there is compelling evidence sufficient to hold each of the individual Respondents responsible for a significant proportion of the false advertising disseminated by CostaConroy, and to determine that Mr. Costa and Mr. Conroy have each personally demonstrated a degree of dishonesty, incompetence, and untrustworthiness to make them unfit to serve as insurance producers. There are two areas, however, where Mr. Costa is solely liable. One is for his conduct before the formation of CostaConroy, and for his misrepresentations to regulators with regard to that conduct. The other is his conduct under his individual producer license, including improper delegation of responsibilities to Mr. Conroy with inadequate supervision. Sanctions The Respondents argue that their violations were relatively minor and that the penalties should be minimal because they have acknowledged their responsibility and are willing to accept reasonable penalties, because they never intended to violate the law, and because they did not steal funds, commit fraud, or harm any clients. (Resp. Br. 1, 6) The Respondents' forthright acknowledgement of responsibility, however, is limited to their least serious violations. With regard to their pattern of deceptive conduct, they have been both defensive and evasive. As discussed earlier, they have demonstrated a lack of fitness to be insurance producers, and therefore, the licenses of Mr. Costa and CostaConroy must be revoked, and Mr. Conroy's license application must be denied.13 Their proposal to perform public service by preparing an educational video at significant personal expense is intriguing. Their desire to turn their punishment into something positive is admirable. However, they have demonstrated repeatedly that they are unfit to serve as an educational resource for other producers, so their offer must be declined. Furthermore, it is not accurate to characterize their misconduct as harmless. There was an ongoing pattern of deceptive sales tactics directed at the public, and if few or no consumers actually suffered loss as a result, it was only because CostaConroy made so few sales. A significant civil penalty against CostaConroy is therefore in order. Pursuant to 24-A M.R.S.A. § 12-A, the maximum penalty that the Superintendent may assess against a business entity such as CostaConroy, LLC is $10,000 for each offense. Although CostaConroy has committed multiple separate offenses that could warrant this level of punishment, as discussed above, I find that it is appropriate to limit the penalty to $15,000 in light of the totality of the circumstances, giving due regard to the financial impact of license revocation and the limited amount of business CostaConroy transacted. In the event that CostaConroy turns out to be judgment-proof, Mr. Costa and Mr. Conroy as its owners, and as individuals who are personally responsible for those violations, shall be jointly responsible for this penalty. Finally, for his failure to supervise his unlicensed employee, and for his intentionally misleading submission of documents to regulators, Mr. Costa is personally liable for a civil penalty of $500 for each count, the maximum that may be imposed upon an individual under 24-A M.R.S.A. § 12-A, for a total of $1000. Order and Notice of Appeal Rights It is therefore ORDERED:
This Decision and Order is a final agency action of the Superintendent of Insurance within the meaning of the Maine Administrative Procedure Act. It is appealable to the Superior Court in the manner provided in 24-A M.R.S.A. § 236 and M.R. Civ. P. 80C. Any party to the hearing may initiate an appeal within thirty days after receiving this notice. Any aggrieved non-party whose interests are substantially and directly affected by this Decision and Order may initiate an appeal on or before November 9, 2009. There is no automatic stay pending appeal; application for stay may be made in the manner provided in 5 M.R.S.A. § 11004. 1 Citations to the record, abbreviated as follows, are to the parties' joint stipulations (Stip.), to the hearing transcript (Tr.), to the exhibits admitted at hearing (Staff Exh. and Resp. Exh.), to the supplemental exhibits admitted pursuant to the Superintendent's Post-Hearing Order (Staff Supp. Exh. and Resp. Supp. Exh.), and to the written arguments filed by the parties (Staff Br. and Resp. Br.) 2 Mr. Conroy has never been licensed as a producer either. However, Staff has not alleged that he engaged in any insurance sales activities that went beyond the bounds of permissible support services for Mr. Costa's licensed sales activities. 3 As of May 4,2009, the limit was increased to $250,000. P.L. 2009, ch. 77. 4 Also known as Veronica. (Tr. 121, 240, 242) 5 Although the Respondents attempt to distance themselves from the content of the advertisement, explaining that they had expressed dissatisfaction to the broadcaster and tried to get the advertisement modified or withdrawn (Resp. Br. 4; Tr. 131; Resp. Supp. Exh. 3), the misrepresentations cited in this Decision and Order were not the source of that dissatisfaction and were never disavowed in their communications with the broadcaster. In that regard, it should also be noted that contrary to Mr. Conroy's implication that they struggled to get the purported 22% return quoted in Mr. Conroy's original interview toned down to 13% because "Nick and I both felt that, you know, 22 percent just sounded just too high. It was a red flag to us" (Tr. 134), the real reason they asked for the change was that the product they were overpraising was no longer available. As Mr. Conroy wrote to Nassau Broadcasting, "the program we have which can recover up to 22% of the stock market losses is going away this July 1st." (Resp. Supp. Exh. 3) 6 Or alternatively, that she might have agreed to let CostaConroy take over servicing existing RCM accounts. (Tr. 121) 7 The history of the C.T. account indicates that in some cases they might actually be actively managing their clients' funds, but not in an approptiate way, because annuities are designed to be long-term investments, as the companies' own disclosure materials acknowledge. (Resp. Supp. Exh. 2 at 20, 60) (page numbering for Supplemental Exhibit 2 follows the PDF version in the Bureau of Insurance electronic docketfiles) 8 It appears as though two different substitutions were actually done - "CostaConroy, LLC" for the other firm's full name, and "CostaConroy" for the short form. 9 Which means that the comparison should not have been raised at all, because as discussed earlier, insurers, unlike banks, are not permitted to discuss guaranty fund protection when advertising their products. 24-A M.R.S.A. § 4620. 10 A more meaningful comparison would consider the surplus requirements for insurers, because they (like banks) are actually required to hold assets in an amount significantly exceeding 100% of their liabilities, but the Respondents do not mention this. 11 This is the product Mr. Costa attempted to sell to C.T. There is no record in the C.T. account files (Staff Exh. 20 & 21; Resp. Supp. Exh. 3) that he ever provided any disclosure to C.T. that included a reference to this general investment objective. 12 As discussed, an earlier version of the advertisement refers to a 22% return. This was based on a different product with a higher bonus percentage, and of course, a correspondingly longer vesting period. 13 The Respondents argue that the Superintendent should consider the time Mr. Conroy's application remained pending while this proceeding was ongoing, because it is the functional equivalent of a ten-month license suspension. (Resp. Br. 7 n. 14) This would be a valid consideration if a temporary suspension of Mr. Conroy's privilege to act as a producer were the appropriate penalty, but his misconduct rises to the level warranting revocation.
Last Updated: January 22, 2014 |
Copyright © 2006 All rights reserved. |


text: Jeroen Coumans wrote: > Comments and suggestions welcome, preferably on website at lfs.org > Is the search textbox supposed to be overlaying the menu using the 2columns-menu stylesheet? It actually seems too low using all three stylesheets, and from your screenshots it looks like somebody may be assuming that the LFS logo is visible. The textbox is in about the same place on the website as it is in the screenshots, but the logo is nowhere to be seen on the site. I'm using Mozilla 2003-09-20 CVS (not Firebird). I can generate a screenshot if needed, though it might be a bit difficult to see the textbox.


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November 8th, 2011
It's premiere day for MuchMusic's brand new show, Today's Top 10! Every Monday – Thursday host Lauren Toyota will be counting down the top ten videos in a variety of categories. From best cameo videos to videos with the most nom nom foods in them, Today's Top 10 will countdown everything and anything!
On today's show, Lauren is counting down the Hottest Dance Videos! Check out the list below and don't miss an episode of Today's Top 10 every Monday – Thursday at 10 pm ET on Much!
If you loved our countdown of the Hottest Dance Videos then your will lurve MuchDance 2012, available now!
10. Nicki Minaj "Super Bass"
9. Victoria Duffield "Shut Up And Dance"
8. Maroon 5 f. Christina Aguilera "Moves Like Jagger"
7. Britney Spears "I Wanna Go"
6. Anjulie "Brand New Chick"
5. Rihanna "Cheers"
4. Shawn Desman "Electric"
3. LMFAO "Party Rock Anthem"
2. Pitbull "Give Me Everything"
1. Lady Gaga "Edge Of Glory"
Tags: Anjulie, Britney Spears, lady gaga, LMFAO, maroon 5, Music, nicki minaj, rihanna, Shawn Desman, Today's Top 10, Victoria Duffield
Posted on Tuesday, November 8th, 2011 at 10:00 pm by Allison and is filed under Blog, Music, Today's Top 10.


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My question is why is the Vista machine regularly downloading updates without asking my permission? I'll be sitting at my desk and notice that the PC has restarted itself and is installing something.
Can I turn off these updates? Would that be disastrous?
Should I just ignore them?
You can change the Automatic Update settings by using the Control Panel, selecting "Download and notify only" mode, or set a time (of day) to automatically install updates. Start->Control Panel->Automatic updates.
Don't turn this off, though, or you'll miss all the security fixes that Windows needs to stay safe.
I only ever install updates manually and I usually wait until there are about a dozen or so to install.


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Oana Mirela is a conceptual jewelry brand working to create bold and intricate jewelry, one piece at a time. Read more
Oana Mirela is a conceptual jewelry brand working to create bold and intricate jewelry, one piece at a time.
About this project
Jewelry is at a perfect intersection between art and fashion. It is art in the purest sense, focusing on aesthetics, color, clarity, and form. But it is also an essential component of fashion. At Oana Mirela, we believe jewelry is more than an accessory: a great piece can tell a story, make a statement, or capture a sentiment. Our jewelry is creative, thoughtful, and bold, but ultimately it is about expression; it is art you take with you.
The jewelry at Oana Mirela is made using the lost-wax casting method, which involves hand carving wax to make the final metal pieces. This ancient technique allows for unlimited versatility and creativity in designing new collections. More than anything, we wish to expand on our ideas for future collections (they are really awesome). In order for these collections to come to life, we need your support and contributions!
The money raised from this kickstarter project will go toward the trade show fee as well as producing the Fall 2013 collection, traveling to NY, and producing the orders from your kickstarter donations! By attending the Designers & Agents show in New York, Oana Mirela jewelry will be exposed to buyers allowing the brand to grow and succeed.
We encourage any donation, even a little goes a long way! We are offering 12 different reward items, and as extra incentive, several pieces from the Oana Mirela collections are being offered as rewards at a reduced price. This is a kickstarter special, so once the project ends, so does the markdown (get them while they're cheap!). Any donation of $12 or more will receive a thank you card, and if you cannot contribute but want to help, please spread the word to others!
Thank you so much!
***If the project succeeds in reaching its funding goal, all backers' credit cards are charged when time expires. If the project falls short, no one is charged. Funding on Kickstarter is all-or-nothing.***
$12 - Thank You Card
A hand illustrated thank you card made specifically for kickstarter donations!
$25 - 8"x11" Print of the thank you card illustration.
The same illustration as the thank you card on a larger scale - a great way to show your support!
$42 - Bronze Edelweiss Ring with "liebe" inscribed inside.
A delicate and feminine ring that can be worn with anything. Please email me your ring size and it's all yours!
$60 - Bronze Daffodil Pendant on a gold-plated chain.
$75 - Bronze Melting Mermaid Pendant on a gold plated chain.
$90 - Bronze Asymmetric Bangle Set with Carnelian or Pyrite
With this incentive you have options! Please email me your preference between the red carnelian and the silvery pyrite.
$175 - Bronze Ore Cuff and Ring with Carnelian or Pyrite
Just as with the Bangle Set, you have two color options to choose from! Please email me your preference for either red carnelian or silvery pyrite, as well as your ring size.
$280 - Marie Antoinette Sailing the Seas Ring in Silver
The Marie Antoinette ring is definitely a statement piece! This is a great cocktail ring and conversation starter. It is made entirely out of sterling silver and covered with intricate detail. Please remember to email me your ring size and Miss Antoinette will be all yours!
$1,000 - Personalized Chinese Zodiac and Horoscope Necklace
This is an example of what your zodiac/horoscope necklace might look like. I'm currently making a Leo and Tiger necklace for myself and have the finished lion and in-progress tiger to show you! And they are actually this big in real life! What can I say? I love big statement jewelry! The two felines will be fastened to a sturdy collar necklace. The lion/tiger will fall on my collar bone, imitating cape fasteners. I think they will look just as great on a tee shirt as on an LBD.
*Special thanks to Florentin Alupoaie, Dan Cashman, and Nicole Salmeri for helping make this project come to life! You are all bright, shiny gems in my life!
**Nicole Salmeri is the genius behind this beautifully made Kickstarter video. I could never ever have it done it without her help and talent! Check out Nicole's website to see more of her awesome videos and photos:http://citysymmetry.com/
Risks and challenges
Like with any project, risks and challenges are an inherent part, and our project is no exception.
Potential risks for Oana Mirela upon successful completion of our Kickstarter project are like those for any other product-based service. We need to be sure to obtain the required materials and facilities to produce the jewelry rewards expected in a timely fashion. We believe that we are well-equipped for this, and the potential risk of too much demand, and falling behind on delivery dates, will not be an issue because of the local casting companies available in San Diego.
If the demand is too high for the Oana Mirela team, we are ready and willing to employ those local teams of experts so that your jewelry will make it to you in a timely manner, and be of the highest quality.
Thank you for your help and contributions!
Learn about accountability on KickstarterFAQ
Have a question? If the info above doesn't help, you can ask the project creator directly.
Pledge $12 or more
4 backers
For any pledge of $12 or more you get a beautifully illustrated thank you card with a personalized note on the back. Every little bit helps, thanks!
Estimated delivery:Only ships to: United States -
Pledge $25 or more
0 backers
For any pledge of $25 or more you get an 8"x11" print of the thank you card, featuring illustrated jewelry pieces from the Oana Mirela collections!
Estimated delivery:Ships anywhere in the world -
Pledge $42 or more
47 backers
For $42 or more, you get the edelweiss ring in bronze! It is inscribed with "liebe" on the inside and is filled with love. You also get a thank you card!
Please remember to email me about your ring size!
Estimated delivery:Ships anywhere in the world -
Pledge $60 or more
21 backers
For $60 or more, you get the daffodil pendant in bronze, on a delicate gold-plated chain. You also get the thank you card of course!
Estimated delivery:Ships anywhere in the world -
Pledge $75 or more
6 backers
For $75 or more, the melting mermaid pendant is all yours! Just like the wicked witch from Oz, our mermaid friend is also melting. But in a much nicer bronze sheen.The pendant comes with a delicate gold-plated chain and a thank you card to boot!
Estimated delivery:Ships anywhere in the world -
Pledge $90 or more
4 backers
For $90 or more you get the asymmetric bangle set in your choice of carnelian or pyrite cabochons. They can be worn loose on your wrist, or as a statement arm band. You also get a thank you card!
Please email me your stone preference!Estimated delivery:Ships anywhere in the world -
Pledge $175 or more
8 backers
For $175 or more, you get the Ore Cuff and Ring with either red carnelian or silvery pyrite cabochons! If only mineral deposits always came in ready-to-wear forms! You also get a heart-felt thank you card, and please remember to email me your stone preference!
Estimated delivery:Ships anywhere in the world -
Pledge $280 or more
1 backer
Marie Antoinette Sailing the Seas Ring in silver. This ring is our best seller and full of tiny, intricate details such as a sweet sea monster riding the waves of her hair, an anchor on the ship, a scallop, barnacles, and a star fish. Not to mention a beauty mark on her little face! A thank you card is also yours, and please email your ring size so that it fits perfectly!
Estimated delivery:Ships anywhere in the world -
Pledge $500 or more
1 backer Limited (29 left of 30)
Do you like the Marie Antoinette ring but wish it were a different historical (or fictional/current/imaginary) figure? For a donation of $500 or more, I will make you a custom designed ring of the person of your choice! This is a great one for the gentlemen too! Let your imagination run wild! Be it Jane Goodall, Han Solo, Cleopatra, Queen Elizabeth, Genghis Khan, "The Dude" from the Big Lebowski, or anything in between, it's yours! The thank you card will also come with your personalized ring, just remember to email me your ring size with your idea!
Estimated delivery:Ships anywhere in the world -
Pledge $1,000 or more
1 backer Limited (11 left of 12)
For $1,000 or more, I will make you a personalized zodiac and horoscope necklace, in either bronze or silver. I will contact you throughout the design process so that you end up with a piece exactly to your liking! (And then no one will ever need ask you "What's your sign?" ever again.) You of course get a thank you card as well for your contribution!
Estimated delivery:Ships anywhere in the world -
Pledge $2,000 or more
0 backers Limited (8 left of 8)
For a donation of $2,000 or more, I will make you two custom designed pieces of jewelry! You will be involved throughout the entire process to ensure you get the jewelry of your dreams! (Pending certain limitations of course. A platinum, diamond-encrusted necklace for example, would not be feasible.) I will also name a piece of jewelry after you in a future collection! And a thank you card will be headed your way for your generous contribution!
Estimated delivery:Ships anywhere in the world -
Pledge $5,000 or more
0 backers Limited (2 left of 2)
Ever wanted to create your own jewelry COLLECTION? With this donation, you can! If you donate $5,000 or more I will work with you to create eight pieces of your dream jewelry line! There are certain material limitations (diamonds and gold are expensive!), but creatively speaking, there are no limitations whatsoever! I will also name three pieces in future collections after you, and you will of course receive the thank you card for your generous contribution!
Estimated delivery:Ships anywhere in the world
Funding period
- (40 days)


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Say you have a computer that won't boot up. Maybe the OS is corrupt, or the motherboard has popped capacitors, or whatever. The user wants to salvage whatever files can be salvaged from the hard drive. If the problem is with the motherboard, you may try to put the hard drive in another PC -- assuming it has the right kind of connectors -- but you still might face the aforementioned corrupt OS, or the computer itself may refuse to boot because the hard drive has an OS that was tailored to a specific manufacturer's computer.
Puppy Linux to the rescue! It boots from a CD without disturbing the contents of whatever hard drive you have hooked up. The desktop's Connect icon lets you get on the network and do your Internet and/or local network browsing. The Drives icon lets you see the available drives and mount them with one click. (Hard drives, CD readers, flash drives, et al., stay inert in Linux until you tell them to become active.) The menu->network->LinNeighborhood option lets you add a Windows machine with shared drives -- enter the IP address, click Query, do a Scan as User or whatever it's called, and you have access to a shared Windows drive.
As you can see from the above paragraph, there is a little bit of a learning curve, but once you know what to click, everything is quick and (so far) painless. Today I rescued files from two different hard drives -- one set I copied to a shared network drive, the other to a flash drive. After decades of hating and fearing computer hardware (and networking, and pretty much anything that wasn't pure creation of code ex nihilo), I'm finally starting to enjoy it! Of course, it helps to have access to a never-ending supply of worn-out PC's that you can experiment upon without fearing the repercussions.


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- Accommodation Canberra
- Accommodation Melbourne
- Advertising
- Art
- Beauty
- Bid Directories
- Business
- Car Hire Australia
- Catering
- Catering Equipment
- Christmas Hampers
- Cleaning
- Clothing
- Computers
- Construction
- Corporate
- Daily Deals
- Education
- Electronics
- Entertainment
- Environment
- Events
- Food and Drink
- Furniture
- Games
- Garden
- Gifts
- Health
- Holidays
- Home Appliances
- Home Improvement
- Insurance
- Internet
- Limo Hire
- Link Directories
- Loans
- Marketing
- Office Furniture
- Office Stationery
- Outdoors
- Patong
- Perfume
- Printing
- Promotional Products
- Rugs
- Search Optimisation
- Security
- Services
- Shipping Containers
- Shopping
- Solar
- Sports
- Stock Market
- Web Design
- Weddings
- Suggest Category
Top 10 Listings
Our Melbourne, Australia online shop has ladies shoes and womens boots to buy. Our brand store has Diavolina, Bonbons, Robert Robert, Lipstik, Urge, Roc, Mollini, I Love Billy, Tony Bianco, Therapy, RMK, Windsor Smith and Siren.
http://www.santini.com.au :: Added 2012-11-01 :: 24
Listing details
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JG King Homes
JG homes offers the finest steel and steel fram constructed homes in Victoria. Australia's largest steel construction company, JG combines quality and sustainability when building for you.
http://www.jgkinghomes.com.au :: Added 2012-10-19 :: 24
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Tuff Lift
At Tuff lift you will find a transmission or air jack for your business, a vehicle hydraulic hoist for your sports car in the garage, truck hoists and advanced hydraulics for your workshop… and it's all for sale today.
http://www.tufflift.com.au :: Added 2012-10-25 :: 23
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The Work Shop
The Workshop Auto Service Centre provides professional car repairs - and tyre fitting while you wait - with a focus on friendly and skilled service that's tailored to you and your car.
http://theworkshopasc.com.au :: Added 2012-10-31 :: 22
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Home Extend
Whether you are doing extenstions or renovations in Melbourne, home Extend is the builder for you. With professional associates and quality products on offer we will address all your needs.
http://www.homeextend.com.au/houseadditions.html :: Added 2012-10-21 :: 21
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Aluminium doors melbourne
Aussie Screens have been providing security solutions for over a decade. Manufacturing and installing a wide range of screen and security products. Their professional staff and experienced trades people service and maintain top quality products.
http://www.aussiescreens.com.au :: Added 2012-11-05 :: 21
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Creative Wigs
With over 55 years of experience, Creative Wigs are oldest and most established supplier of wigs in Melbourne. Combining a rich history with a prosperous future, Creative Wigs know what the consumer wants and will always deliver.
http://www.creativewigs.com.au :: Added 2012-10-28 :: 15
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Push Controls
Push is the app that will make your life easier. A remote control for your television, a remote control for your best dvd player, a remote control for foxtel…you probably have at least 4 different devices connected to your television that are controlled
http://www.pushcontrols.com :: Added 2012-10-22 :: 15
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Titan Locksmith
Give us a call at Titan Locksmith for fast and professional services whether it's automotive, commercial or residential.
http://www.titanlocksmiths.com.au :: Added 2012-11-02 :: 15
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Work Pro
The founders of WorkPro are dedicated to establishing long-term learning and workforce management solutions that continue to enhance and streamline the employment and engagement process for employees, contractors and employers alike.
http://www.workpro.com.au :: Added 2012-10-25 :: 15
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Representative Image
Product images may differ from actual product appearance.
Detroit Locker#357-912A557Detroit Truetrac Differential |
Detroit Locker 912A557 - Detroit Truetrac Differentials Details
GM 10-Bolt
All GM 8.5"/8.6"Eaton differentials require special bearings. For 28 spline axles with small bearing bores (race O.D. of 2.89"), usually found on vehicles prior to 1999, bearing LM-102949 and race LM-102911 are required. For 30 spline axles with large bearing bores (race O.D. of 3.06"), usually found on vehicles from 1999 to present, bearing LM-603049 and race LM-603012 are required.
The Detroit Truetrac is a helical-gear style performance differential that maximizes wheel traction and enhances driving and handling characteristics.
The Truetrac operates as a standard or open differential under normal driving conditions, allowing one wheel to spin faster or slower as necessary. When a wheel encounters a loss of traction or the terrain changes, the gear separation forces take effect and transfer torque to the high-traction wheel. The helical-shaped gears mesh with increasing force until wheel spin is slowed or completely stopped. When the vehicle exits the low traction situation, the differential resumes normal operation.
Operation of the Truetrac is smooth, quiet and automatic. The unit will engage without any driver knowledge or action required. It also has no wearable parts and requires no maintenance, meaning less time in the garage and more on the road.


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Toyota Motorsport have announced structural changes that will see Team Manager Ange Pasquali and Norbert Kreyer, General Manager Race and Test Engineering, leave the Japanese companys Formula One squad.
We acknowledge that the action we have taken may be seen as severe, said Team Principal Tsutomu Tomita, particularly in view of the significant contribution made by both Ange Pasquali and Norbert Kreyer, not only to the current Formula One programme, but also to the World Rally and the Le Mans projects.
However, the duplication of function and responsibility created by this previously complex organisation and the need to establish a simpler and more effective organisational structure, which is acutely focused on achieving our ambitious goals, has led us to make and implement this difficult decision."
General Manager F1 Operation, Richard Cregan will take over operational team management functions, as well as the Toyota Drivers Academy (Toyota's young driver programme) and will also assume the position of Team Manager at races.
Chief Race Engineer, Dieter Gass will head the race and test organisation, reporting directly to Technical Director Chassis, Mike Gascoyne.
Toyota said the personnel changes are aimed at further improving the efficiency within its Chassis Design group and at simplifying the lines of internal communication, both on the track and within the company.
The "Research and Vehicle Dynamics" and "R&D Testbench Chassis Engineering" areas will be merged into one group, headed by Loic David (previously Senior Manager Research & Vehicle Dynamics) as Senior Manager R&D. David will now report directly to Chief Designer Gustav Brunner.


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Very Good Recipes of Ingredients from Experiments of a Housewife
There is one Ingredients recipe on the blog Experiments of a Housewife. (264 on all the blogs)
Click on the title of a recipe or the photo of a dish to read the full recipe on its author's blog.
Garam Masala Tuesdays: Channa Masala with easily available ingredients
By Experiments of a Housewife
04/11/12 04:37
I started Garam Masala Tuesdays with three aims- one, to familiarize non-Indians with Indian cooking; two, to familiarize Indian cooking to Indian ladies like me, who had only recently forayed into Indian cooking and who like me did not have the pleasure...
Add to my recipe book


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Geocaching > Hide and Seek A Geocache > Geocache Log
Saturday, October 06, 2012Wisconsin
This is my first virtual cache and enjoyed the experience. Rav and I were in the area for Octoberfest and decided to give this a try. Enjoyed our time in King checking out the different vendors and stopping for lunch. God Bless our troops that have served and those serving now. TFTC
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Quality Roof Restorations for Less!
Is your roof looking tired, faded and letting down the appearance of your home? Have you been concerned about the cost of professional roof restoration? At Low Cost Roofing we do high quality roof restorations on concrete tile, metal, terracotta, color bond, fibro and fibro roofs at a price that's very affordable.
We have an experienced team of tradesmen and only use the highest quality coatings so you'll be delighted with your roof restoration.
- Over 30 sensational colours
- 10 Year Manufacturer's Warranty
- Increases the value of your home
- Repairs to capping, cracked tiles, be ready for the storm season
- Pensioner Discounts
- Interest Free Terms - Up to 30 months