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ChexSystems is an eFunds check verification service and consumer credit reporting agency like Innovis, PRBC, Experian, Equifax and TransUnion. While most credit reporting agencies broker data about how a consumer handles credit relationships, ChexSystems provides data related to how a consumer has handled deposit accounts at banking institutions. It is owned by Fidelity National Information Services.
Eighty percent of all commercial banks and credit unions in the United States use ChexSystems as a step in the consumer checking or savings account application process.[1] eFunds claims that their services are used in over 9,000 banks, including over 100,000 individual bank branches in the United States. The ChexSystems products offered by eFunds are DebitBureau, DebitReport, FraudFinder, Identity Theft, ID Verification, ICMS, ProspectChex, QualiFile, and Transaction Monitoring.[2]
A consumer's ChexSystems report typically contains banking irregularities such as check overdrafts, unsatisfied balances, depositing fraudulent checks, or suspicious account handling that other banks have reported in the past five years. The majority of banks using ChexSystems will not open a new deposit account for a customer that has a negative item reported. In 1999, ChexSystems was successfully deemed a consumer reporting agency, and therefore, governed by the Fair Credit Reporting Act. Consumers are now able to retrieve a free ChexSystems report annually, which allows them to dispute negative items and demand proof of the data contained in the report.[3]
Credit bureaus report both positive and negative account histories, but the appearance of a person's name in a ChexSystems report is considered by banks as negative information. Since ChexSystems does not report positive banking history, it cannot differentiate between a consumer who made a certain number of banking errors, and another consumer who made the same number of errors but who maintained numerous positive banking relationships over the course of many years. Both customers might be declined for a new account based on the name negative information. The Greenlining Institute has published a report indicating wide disparities in the criteria banks have used when deciding whether to report negative items to ChexSystems.[4]
Banks Response[edit]
Beginning in August 2000, the Greenlining Institute, a public policy center headquartered in San Francisco, and the Federal Reserve Bank of San Francisco held four meetings to discuss possible reform in the treatment of individuals reported to ChexSystems. These meetings included a discussion of potential best practices which a financial institution could implement to reduce its dependence on ChexSystems data in its decision process on opening accounts. Practices identified include:
- Training staff to use judgment to assess risk when opening accounts
- Setting minimum limits to activate the use of ChexSystems
- Considering the possible override of a customer denial for situations that are beyond the customer's control, such as a prolonged illness
Since the meetings at the Federal Reserve Bank of San Francisco, all participating financial institutions have announced that they will implement positive changes in the way they use ChexSystems.[5] In September 2000, Bank of America was the first financial institution to announce specific changes in its use of ChexSystems. Revised practices include:
- Disregarding all ChexSystems entries greater than three years old provided the entry is not fraud-related
- Disregarding all ChexSystems entries greater than one year old if the consumer has repaid the debt
- Disregarding certain other ChexSystems entries if the consumer has repaid the debt and completes a course in financial responsibility
- Increasing the loss threshold for reporting closed accounts from $50 to $100 in overdrafts
- Increasing the length of time a customer has to repay the debt
During a December 2000 meeting, Bank of America reported that in the first two months under the revised standards, its new ChexSystems policies had resulted in approximately 1,800 ChexSystems "overrides". This allowed 1,800 individuals to open deposit accounts that would have been denied under the bank's former policies. Best practices to address the barriers ChexSystems reports may create for low-and moderate-income individuals include:
- Increasing the negative balance threshold for reporting customers to ChexSystems from $25 to $100
- Removing customers from the ChexSystems database if the negative balance is repaid within 90 days (previously, repayment was required within 30 days)
- Improving the overdraft notification process to include more visible language that explains how the institution uses ChexSystems and the consequences of being reported
- Refraining from reporting customers until numerous attempts have been to contact them and providing ample opportunity to settle their accounts before a report is submitted to ChexSystems[6]
Some banks that use ChexSystems also utilize the services of Early Warning Services, LLC, a fraud prevention and consumer reporting agency owned by Bank of America, BB&T, JPMorgan Chase and Wells Fargo.[7]
- ^ BankRate.com Checking Basics tutorial
- ^ eFunds Service Offerings
- ^ BankRate.com "Negative ChexSystems report nixes account"
- ^ "From the Margins to the Mainstream: A Guide to Building Products and Strategies for Underbanked Markets". National Community Investment Fund. 2008 (est). Check date values in:
(help) - ^ Office of Thrift Supervision
- ^ Chicago Office of Education
- ^ Early Warning Services, LLC
External links[edit]


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Served warm or on ice, our spicy spiked cider with rum and apple cider is a fall cocktail crowd-pleaser.
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The cider can also be served warm. To do this, after simmering for 10 minutes, reduce the heat to low then add the rum. Strain and ladle into heatproof mugs or cups to serve.
Dark or gold rum can be used in place of spiced rum.
For a nonalcoholic version, do not add the rum and serve over ice or warmed.
Spicy Spiked Cider can be made ahead of time and kept in the refrigerator, ready to serve when guests arrive.
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subset: commoncrawl


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NEWBERRY — Newberry College Pastor Ernie Worman celebrated 25 years of Lutheran Ordination on Jan. 15, along with students, staff, and faculty of the college.
He was ordained into the Lutheran Evangelical Church of America in 1989, at Hope Lutheran Church in Annandale, Va. Although Worman has been ordained for 25 years, he said it was a long road that took perseverance and faith.
Worman was born in Toledo, Ohio, the third of four children. His mother was a homemaker and his father was a car salesman who worked seven days a week, according to Worman.
Although his family did not attend church, Worman said a neighboring family would pick him up every Sunday and take him downtown to a Presbyterian church.
As a teen, he stopped attending church, but began to hang out after school at a Lutheran church down the street from his home. Worman said he did not know exactly what he wanted to do with his life, but decided to attend the University of Toledo after graduating from high school. Toledo was just across the street from his home.
Worman attended the university for a year, while he worked nights at a steel factory. At that point, he said he still did not have much direction and decided to drop out after that year to join the Navy.
While in the Navy, Worman was stationed in Key West, Fla., and reunited with a childhood friend he had known since the sixth grade. That friend became his wife. After being stationed in Key West for one year they got married and moved to Hawaii and joined a Lutheran Church.
The congregation was only 115 people and shortly after they arrived, the pastor resigned. Worman became the vice president and led the church for a year and a half while they searched for a new pastor.
It was then that Worman said he realized that he was passionate about ministry, but he could not go to seminary because he had no college degree. He enrolled in Chaminade University of Honolulu, and after graduating, went to seminary in Gettysburg, the oldest seminary in America.
From there, Worman received a Master Divinity Degree and was ordained in Ministry of Word and Sacrament. Although he has traveled to 40 states, lived in 12, and even lived in Japan and Italy, Worman said he has had many favorite places.
His favorite place is "wherever you are. Because wherever you are is where you're supposed to be. All of life is good. Every adventure is worth the challenge," Worman said.
Worman is now in his sixth year working at Newberry College. He saw an advertisement for the job, and with some encouragement from his family, decided to take it.
He said loves the people at Newberry College and enjoys seeing the students succeed, while getting to be a part of their lives.
The most rewarding thing for him about ministry is that people will share their joys, sorrows, and dreams.
"They will engage me in conversation and seek me out. They put a value on our relationship that we can hope together," Worman said. "Life is about people. Everything else comes and goes. Buildings are built and torn down, but people and relationships are eternal."
In the future, Worman hopes to become an author, keep traveling, and keep working. For now, he said he is perfectly happy with his Lutheran vocation, which, for him, is all about serving neighbors, figuring out who we live for, and to whom you belong.
Ernie Worman has used the abilities God has given him to minister these past 25 years, and he believes that if we're all doing the very best at whatever God has called us to do, and we're looking out for our neighbor, then it's a great place to be.


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Off-Duty Cop Shoots 2 in Parking Lot After Angels Game - Local News | News Articles | National News | US News - FOXNews.com
Nightmare scenario. Wife and kids, people everywhere, assaulted with a blow to the head.Off-Duty Cop Shoots 2 in Parking Lot After Angels Game
Thursday, June 25, 2009
ANAHEIM, Calif. An off-duty police officer shot and wounded two men who had assaulted him in the crowded Angel Stadium parking lot after Wednesday night's Colorado Rockies-Los Angeles Angels game, authorities said.
The officer, who was walking to his car with his wife and two small children about 25 minutes after the game, was hit in the head with a bottle or club, police Sgt. Tim Schmidt said.
"We think he was the victim of a crime," Schmidt said.
The off-duty officer then shot the men with his duty weapon, Schmidt said. Police did not immediately identify the officer or the shooting victims.
One man was shot in the head and was in critical condition, the other was shot in the upper arm and in serious but stable condition. The officer also had a serious head wound. All three were taken to hospitals.
No one else in the parking lot was hurt, Schmidt said.
The Orange County District Attorney's office joined the Anaheim Police department in investigating the incident, which is required in officer-involved shootings.
The Angels had beaten the Rockies 11-3 earlier in the evening.
Rachel Cordova was among the startled and confused fans in the parking lot.
"We heard three shots and turned around and I thought, 'Those are gun shots,'" Cordova told KNX radio. "One of the guys I was with said 'No, it's not' but then we heard sirens."
Cordova said she then walked toward the scene.
"I left there and saw a young, maybe 20-year-old male laying on the ground without his shirt, and they were attending to him," she said.
Good response from LEO, if all reported is accurate.


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POSTED: Wednesday, March 2, 2011 - 5:45pm
UPDATED: Wednesday, March 2, 2011 - 5:46pm
Houston - DNA tests on hairs found at the scene of a 1987 rape have proven a Texas man who spent 17 years in prison did not commit the crime, the Harris County District Attorney's office said Wednesday.
Prosecutors plan Thursday to officially request that 50-year-old George Rodriguez's conviction be dismissed. Rodriguez has been free since a court ruled in 2004 that faulty evidence was presented at his original trial. The case was later dismissed amid concerns the rape victim would have to testify at another trial.
Harris County prosecutors were not obligated to go ahead with DNA testing after the case was dismissed, but District Attorney Patricia Lykos said in a statement that her office "acted on the most important obligation of all — to see that truth emerges, and that justice is done."
"Today, we can state that an innocent man has been vindicated," Lykos said.


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starts March 8 at 11 am*!
(*March 8 is the first day of Daylight Savings Time)
New Forum now live…
Our Forum has been updated to new software. If you are a previous Forum user, you will need to reset your password. To do so, click on the "I forgot my password" link under the Forum titles. (We know you did not forget your password, but you need to reset it the first time you enter the Forum.) For more detailed instructions, click here >>


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Capital One Beats as Credit Costs Decline
- Second-quarter EPS of $1.87, increasing from $1.79 in Q1
- EPS beats consensus estimate of $1.72
- Net revenue up 2% sequentially and 14% year-over-year, to $5.638 billion
- Net interest margin widens by 12 basis points from Q1
- Provision for credit losses down $123 million from Q1
NEW YORK ( TheStreet) -- Capital One (COF - Get Report) on Thursday after the market close reported a significant decline in credit costs, with second-quarter results surprising to the upside of analysts' expectations.
The lender, based in McLean, Va., reported second-quarter net income available to common stockholders of $1.1 billion, or $1.87 a share, increasing from $1.048 billion, or $1.79 a share, in the first quarter, and $92 million, or 16 cents a share, during the second quarter of 2012, when the company completed its acquisition of HSBC's (HBC) U.S. credit card portfolio and set aside an additional $1.2 billion for loan loss reserves for the acquired loans. During the second quarter of 2012, the company also paid $60 million in regulator fines related to cross selling activities to its credit card customers, and set aside cash for customer refunds, for a total hit to the income statement of $116 million.
Capital One's total net revenue for the second quarter was $5.638 billion, increasing from $5.551 billion the previous quarter and $5.055 billion a year earlier.
Analysts polled by Thomson Reuters had estimated Capital One would post second-quarter earnings of $1.72 a share, on net revenue of $$5.535 billion. Capital One is primarily a credit card lender, although commercial loans made up 21% of its total loans as of June 30. The company's decline in credit card balances this year has been widely publicized, and it previously announced a deal to sell its portfolio of $7 billion Best Buy credit card loans to Citigroup, with the loans transferred to held-for-sale during the first quarter. During the second quarter, Capital One's average credit card loan balances declined by 6% from the first quarter to $77.946 billion. Meanwhile, the company's average commercial loans were up 2% during the quarter to $39.512 billion. The following figures are all quarter-over-quarter, because year-earlier figures excluded a full quarter's effect of the HSBC card acquisition, which was completed late that quarter, and included the extraordinary provision for loan loss reserves for the acquired loans. Second-quarter net interest income totaled $2.804 billion, declining from $2.830 billion in the first quarter, reflecting the decline in credit card balances. Capital One's net interest margin expanded by 12 basis points during the second quarter, to 6.83%.Check Out Our Best Services for Investors
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The Danes are coming - Danish juniors thread
View Single Post
Sep 24th, 2013, 08:15 AM
Senior Member
Join Date: Jan 2006
Posts: 3,535
Re: The Danes are coming - Danish juniors thread
Julie Noe and Ulrikke Høyer were playing qualies for a 10K in Greece this week but both girls lost (Julie in QR2; Ulrikke in QR1). Otherwise there's not much going on for the juniors at the moment - not until the junior ITF in Denmark in October, I guess.
Meanwhile, some of Ulrikke Høyer's model photos can be seen here (there are several pages; click "next" for more):
Her styling is often somewhat excessive but that's obviously not her fault. She's really beautiful being just plain like on the photos from the penultimate page of the link. For instance:
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North Dakota Governor's Schools is a six-week residential program for scholastically motivated North Dakota high school sophomores and juniors. Students live, work, and have fun on NDSU's campus. Governor's Schools academic programs offer high-quality, concentrated instruction from NDSU faculty through classroom experiences, discussion groups, labs, field trips, and other activities.
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Max Mara Celebrates Jennifer Garner Party Photos
Jennifer Garner
"Tonight's the big kickoff party!" Garner (in a Max Mara dress and accessories) said when she took a look around at the stars who joined her at Bill's in New York City to celebrate her as the first celebrity face of Max Mara. "The campaign came out this week and I didn't even know it was coming out. People said, 'Oh, I see you're doing this.' And I said, 'Yes, yes, I am!'"
Read MoreLess


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Titanix, an evolution of Steelix looks good.
An idea that just cropped up in my mind is that, given the significantly huge number of new Pokemon introduced to us in Black and White, perhaps we could see Game Freak do a little backtracking in Gen VI and focus on fleshing out the Pokemon that they have already created from Gen 1 to Gen 5. I am aware that many Pokemon have received changes and additions in their movesets and abilities between generations, but I would now like to see new variants of existing species which would receive minor design alterations, different stat distribution and different typing; not too dissimilar of a concept to Pokemon 'formes'. This could be explained as being a result of the environment/habitat that these Pokemon come from.
I'll use Nidoking as an example. As we all know it is a Poison/Ground type and has fairly even stat distribution. However, maybe there could be a Poison/Steel variant of the species which has slightly lower Speed and Special stats which are instead poured into its Defence stat. I am sure that this could easily be done for a number of older Pokemon, which would guarantee that players are able to use their old favourites with a new twist. Case in point - having enjoyed using the Growlithe line as recently as in White 2, I am now beginning to tire of using it in my team despite my continued fondness of the Pokemon.
This premise bears similarities to the existing concept of Pokemon Formes. However, I would view this concept as finding middle ground between the way that Shaymin's type and stat distribution change from Land forme to Sky forme, and the design changes that the likes of Shellos (and to a lesser extent Arbok due to its body patterns) experiences from region to region. I think that subtle changes such as this would enrich the games further and as a bonus Game Freak would not need to resort to blowing us out with too many brand new Pokemon.
If this were to happen (and believe me it is something that I would love to see), I would still expect that just under half of the Pokemon in the new regional Pokedex would be entirely new species including the starters and legendaries.
Last edited by Blazing Charmander; 7th January 2013 at 09:26 AM.
"My Dream..."
Eh, Steelix is strong and looks like a fully evolved pokemon already. A pre-evolution of Onix would make more sense imo.
They're really trying too hard there.
Onix goes from being a fast Pokemon to a horribly slow one. A branched evolution for Onix could maybe be something? Like, a snake made of a lighter material than steel?
I thought of another thing I want in Gen VI: GF getting rid of Pokemon Species.
If gives no information whatsoever and just implies there are actual animals in the Pokemon world which we never see. I don't imagine people in the Pokemon world knowing what a 'snake' is, but what an Arbok, Ekans or Serperior is, honestly.
And then there's some entries that helps absolutely no one.
Reshiram - Wast White Pokemon
Meowth - Scratch Cat Pokemon
Vullaby - Diapered Pokemon
Really? I wonder why they introduced this in the first place. It just feels like a very unnecessary part of a Pokemon's information and something they just slapped on for fun.
Claims: Dialga | Multitype | Judgment | Adamant Orb | Draco Plate
Avatar drawn by me.
I think the region of Generation VI should be based on California and some surrounding United States west coast areas.
In my idea for the game, you would face eight gym leaders (there would definitely be a dark gym, an ice gym, and a low level dragon gym). Next, you would face the Elite Four, who would utilize four Pokemon types not utilized by the gym leaders (optimistically they would use Fire, Water, and Grass as three of their types to avoid unbalanced gyms for starters, but it's really very hard to do gym themes with some of the other types). The champion would use a mix of types. After the E4, you would have the option to face five returning gym leaders, one of whom is from each region/generation. They would utilized Pokemon of the five remaining types not utilized by the gym leaders or the Elite Four, allowing all types to be used. Hopefully the lesser-used gym types would be the gym types in the region.
Contests would be fleshed out to contain battles and the like, with different moves scoring points based on what moves they were used after and such, with a turn limit to the battle to represent the time limit. Either knockout or points would win.
There would be contest halls throughout the region with the final grand contest hall in an area based off of Hollywood.
There would be a ski mountain area, based off of Mammoth Mountain or Big Bear (and would definitely have some Mamoswine and Ursaring =P) with the ice gym there.
There could be a fossil type area with a ground gym based off of Santa Fe, New Mexico and a casino area based off of Las Vegas, Nevada.
The big shopping area could be based off of Beverly Hills.
I'll add some more ideas later.
Code: 2664 2458 6584
Name: Alex
Safari: cascoon ariados drapion
safari completed
now looking for the vivillons
Limited space but Ill add anyone who needs my safari. A lot of ppl helped me out while I collecting safaris. Just trying to pay it forward. Im available most evenings. So hop on so you can fully add me so I can then delete you. Send me a message when you add. i don't get on here too much anymore. but i will add when i eventually see the PM.
I hope that they have put in new Eeveelutions and a pure flying type in Pokemon X and Y, but Chespin, Fennekin and Froakie do look like cute starters!
Team Magma, Pokemon Pincher and Team Plasma member all at once and proud!
I love Oblivia, and more importantly, UKULELE PICHU!
Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again... Please don't make the villain team look like clowns again...
^ I second this.
I hope Dunsparce will get an evolution.


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The Good -- I asked for pillows and a woman brought them to me pretty promptly. I liked the lobby for its vintage charm (it's been renovated), and the neon sign that says "Dudley". The old elevator is pretty cool but small. It's extremely affordable. Bathroom was clean, and the shower was good (lots of hot water). The Bad and... More
- Reservation Options:
- TripAdvisor is proud to partner with Otel so you can book your Dudley Hotel reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
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text:
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Currently there are no service maintenance staff positions open at the IUB Libraries.
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For more information about Indiana University-Bloomington go to www.iub.edu.
To browse other open staff positions at Indiana University, please go to https://jobs.iu.edu


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Fall 2003
ANS 303M • Introduction to Traditional Music in World Culture
Unique | Days | Time | Location | Instructor |
27500 to 27510 | Multiple Sections |
Course Description
This course examines the appearance of numerous new styles of popular music in various countries throughout the world. Included in this survey will be new popular musics originating within under-represented minority groups in the United States such as Native Americans; various musics placed under the umbrella term, World Beat; musics that are sometimes identified as fusions from different cultures/traditions but are marketed as popular; and the popular musics of representative non- Western cultures. The course introduces students to popular musics on a global scale. The focus will be on the pl ace the se musics occupy within their home cultures, the relationship the genres participate in the transnational flow of culture via the medi and concert tours, and how these new genres become powerful symbols of identity and for social action within their own cultures boundaries and throughout the world in which they circulate. Case studies will be drawn primarily from those that appear in MUS 303M, giving students who take one of the courses the opportunity to revisit those cultures through an entirely different musical prism in the other.
27500 TTH 330-5pm MRH 2.604 W 3-4pm MRH 2.610 27505 TTH 330-5pm MRH 2.604 M 4-5pm MRH 2.610 27510 TTH 330-5pm MRH 2.604 W 4-5pm MRH 2.610
Grading Policy
2 Hourly Exams 50% 2 Quizzes 10% Class participation 5% Final 35%
Popular Musics of the Non-Western World, by Peter Manuel. (Required purchase) PLUS (all optional purchases): Cassette Culture, by Peter Manuel Nightsong, by Veit Erlmann Zouk: World Music in the West Indies, by Jocelyne Guilbault African Stars, by Veit Erlmann Sweet Mother, by Wolfgang Bender The Arabesk Debate, by M. Stokes.


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Well, that time of year again. Here's what we have been doing the last several days.........I don't think I am going to like the next electric bill, draws a wopping 17 amps.................. Jim....
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I have part of mine up. I keep burning up outlets so I am calling in a pro. looks good
looks good MP I switched to LED for the large outside strings. So this year I only have one circut over-loaded.
Christmas display for the hunter.
When we bought a home, in Colorado, I could not figure out WHY there were 8 outside outlets on the house. THEN came December! Every house in the neighborhood looked like The Griswold's in Christmas Vacation. You could get retina burns from the snowman down the block. There were AIRPLANES headed for Denver that tried to land in the street. At dusk, the air temp went up 15 degrees from the lights coming on. Grass had a growth spurt from the light. You had to alternate the direction you parked your car to even out the paint fading! Bears were coming out of hibernation! Our neigborhood was visible from the Space Shuttle. Kind of pretty, tho.
What we have here is... failure- to communicate.
This house is about a half hour drive from my home. After a busy and fun filled Christmas day with my three grown children and my granddaughter, we drove to this house and sat in front of it for about 20 minutes. The show was truly spectacular!!YouTube - larsenlights's Channel
They look cool and I make at least one long trip somewhere so the kids can look at them, but I've never put them up and I never will. I'm a party pooper. Good job though all
I hope I shall possess firmness and virtue enough to maintain what I consider the most enviable of all titles, the character of an honest man. ~George Washington
my next door neighbor is from somewhere south of here. first year he put up lights and decorations. the christmas ice froze em to his house. he took em down in march hehehehe. the ice and snow destroyed the lights.
"Gun control: The theory that a woman found dead in an alley, raped and strangled with her panty hose, is somehow morally superior to a woman explaining to police how her attacker got that fatal bullet wound." L. Neil Smith The problem with being stupid is you cannot simply decide to stop doing dumb things... "I crapped my pants to avoid the draft!!" -Ted Nugent


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7 of 21 Items
Searched for the phrase "american colony jerusalem" in Name
American Colony (Jerusalem)
Spinning -- Middle East
Women -- Middle East
The Middle East in Early Prints and Photographs
Stephen A. Schwarzman Building / Photography Collection, Miriam and Ira D. Wallach Division of Art, Prints and Photographs
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Woman from southern Palestine spinning (ca. 1870-ca. 1900)
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Matanja Joy Bradley will again join us at The Crossroad, this time she's bringing the entire band.
Louis Prima fans, check this out. WWOZ's own Dan Meyer (pictured), the host of Monday's Traditional Jazz show, will be part of the 14th Annual New Orleans International Music Colloquium being held in conjunction with the French Quarter Fest on Saturday.
Be on the lookout for a new band called The Mohican Scouts. I got a chance to check out this young folk duo at the Circle Bar last Sunday and they really blew me away. Songwriter Parker Hobson plays nylon-string guitar with fiery precision and is not afraid to abuse his instrument when necessary. He also brings a unique and powerful vocal presence (unfortunately, because of the sub-par P.A.
The Irish are coming to New Orleans from deep in the heart of Cajun Country.
Olga will drop by on Wednesday and share some LIVE music with us in the first hour.
Everyone in New Orleans likes the taste of sweet music, and next month the Honey Island Swamp Band will be ready and willing to treat the Crescent City's famously sweet musical tooth with the upcoming release of their new album, titled - no doubt prophetically - Good To You.
While it may be a pointless notion to try and debate I definitely heard that question asked during her performance last night with Gordon Grdina and Kenton Loewen upstairs at the Blue Nile. The impromptu trio performed a show that proved to be everything I could hope for from a "free jazz" show: daring, visceral, transcendent…an incredible display of creativity and musicianship.
Headed downtown for the last day of the South by Southwest Music Conference & Festival.
The last official day is Sunday with a few night time shows but for most people Saturday is the last day of the festival.
With a cold front that moved in overnight the temperature has dropped and the cloudy skies, todays crowd was not as large as the huge crowd on Friday.


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Hi: 10° Lo:4°
FOLK fans have much to look forward to at Leamington's Spa Centre in the coming months.
British folk-rock pioneers Fairport Convention have just celebrated no less than their 45th anniversary and show no sign of putting down the guitar and fiddle just yet.
The band - which has won a coveted BBC Lifetime Achievement Award and Radio 2 listeners voted Fairport's ground-breaking album Liege & Lief 'The Most Influential Folk Album of All Time' - play the Spa Centre on February 8.
Their current Winter Tour will see them showcasing songs from their most recent studio album, the critically acclaimed Festival Bell, together with plenty of old favourites.
Steve Knightly - one half of award-winning duo Show of Hands - goes it alone as part his solo tour on February 15.
The singer-songwriter has made his name with bleak, witty and finely observed narrative songs which reflect the trials and tribulations, and the hopes and fears of people from his native West Country and beyond.
Others of a folk persuasion taking to the Spa Centre stage will be singer-songwriter Martin Simpson, while Edwina Hayes, Henry Priestman and Iain Matthews will also appear in the intimate surroundings of the Studio.
And folk is not the only music which can be heard at the Spa Centre this season.
From Kyle Eastwood, the jazz playing son of Hollywood legend Clint Eastwood, to China In My Hands 80s popsters T'Pau, there is no shortage of variety.
The line-up also includes rhythm and blues from The Blues Band, and the all strumming Ukulele Orchestra of Great Britain.
Singers taking to the stage include former Dr Hook frontman Dennis Locorierre, Stacy Kent performing songs from her six bestselling albums, and one time pop man turned jazz singer Curtis Stigers.
Big-band sounds will be provided by The Midland Youth Jazz Orchestra, The Syd Lawrence Orchestra, The Glenn Miller Orchestra, and Grimethorpe Colliery Band.
For tickets and further details visit www.royalspacentreandtownhall.co.uk or call the box office on 01926 334 418
Buy photos» Fairport Convention - 45 years and still going strong. (s)
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Cochlear Americas Announces 2013 Graeme Clark And Anders Tjellstrom Scholarship Winners
CENTENNIAL, Colo., Jan. 21, 2013 /PRNewswire/ -- Cochlear Americas, the global leader in implantable hearing solutions, announced today the winners of the 11 th annual Graeme Clark and the second annual Anders Tjellstrom Scholarships. Named after two pioneers of the hearing implant industry, the 2013 scholarships recognize Cochlear™ Nucleus® Cochlear Implant and Baha® System recipients who are not only academically gifted, but have demonstrated a commitment to leadership and humanity.
To view the multimedia assets associated with this release, please click http://www.prnewswire.com/news-releases/cochlear-americas-announces-2013-graeme-clark-and-anders-tjellstrom-scholarship-winners-187529091.html
"We are proud to honor eight deserving individuals who have shown perseverance, hard work and leadership, while benefiting from Cochlear's technology," said Chris Smith, President of Cochlear Americas. "We congratulate these outstanding scholars and look forward to seeing what the future has in store for them."
Five students were selected as Graeme Clark Scholarship winners and three were selected for the Anders Tjellstrom Scholarship. Each of the eight students will receive $2,000 per year for up to four years at an accredited college or university, for a total of $64,000 in scholarship funds. Since 2002, Cochlear Americas has awarded more than $380,000 in scholarships to 58 college students.
"My cochlear implant has completely changed my life," said scholarship winner Lexi Grafe. "Without this amazing piece of technology I would have never heard a single sound. I would not be able to play sports, listen to music and be the outgoing person I am today. My life would be much more limited and I would not be able to achieve the things I have done." The winners will be formally recognized during Cochlear Celebration in San Diego on February 17, 2013. Attended by more than 1,200 people, Celebration is a three day event hosted by Cochlear Americas to provide Nucleus and Baha System recipients and their families the opportunity to learn and network with others who have had similar experiences in a fun and relaxing environment. About the Scholarships The Graeme Clark Scholarship is named after the inventor and pioneer of the cochlear implant. The Anders Tjellstrom Scholarship is named after the research physician at the Department of Otolaryngology at the Sahlgrenska University Hospital in Sweden who collaborated with Per-Ingvar Branemark, a pioneer in his field, to treat the first patient with a Baha device. The 2013 Graeme Clark Scholarship winners include: Lexi Grafe ( Rochester, MN), a freshman at the University of Denver; Emily Hewlings ( Hatfield, MA), a freshman at Goucher College; Mykella Jones ( Mesa, AZ), a freshman at the University of Arizona; Stephanie McCoy ( Shrewsbury, MA), a freshman at Georgetown University; and Julia Selezneva ( Berkley, CA), a medical student in the UCSF and UC Berkley Joint Medical Program. The 2013 Anders Tjellstrom Baha Scholarship winners include: Madeline Betterly ( Okemos, MI), a freshman at Wayne State University; Sydny Bohuk ( Tipton, IN), a freshman at the University of Indiana; and Hannah Shule Katz ( Boston, MA), a vocal performance major at Boston University. More than 150 applications were received and reviewed by an esteemed panel of judges, which include: Donald Goldberg, Ph.D., CCC-SLP/A. LSLS Cert. AVT, Cleveland Clinic; William Luxford, M.D., House Research Institute; Blake Papsin, MD, MSc, FRCS, FACS, FAAP, The Hospital for Sick Children; J. Thomas Roland, Jr., MD, NYU; William Shapiro, Au.D., CCC-A, NYU Cochlear Implant Center; and Teresa A. Zwolan, Ph.D., CCC-A, University of Michigan. For more information about the scholarships, visit CochlearAmericas.com/Scholarship. About Cochlear Cochlear is the world leader in advanced hearing technologies. Since launching the first multichannel cochlear implant system 30 years ago, Cochlear has brought the miracle of sound to more than 250,000 people with hearing loss across the globe. For more information about Cochlear and its products, please visit Cochlear.com. SOURCE Cochlear AmericasCheck Out Our Best Services for Investors
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Earlier this summer, I saw Liza Minnelli and Alan Cumming perform a cabaret show in Fire Island. I thought it would be the gayest thing I would ever witness. That is until it was announced that Craig Zadan and Neil Meron were chosen as the producers of this year's Oscars telecast. Yup, this is going to take the glorious cake. Jazz Hands!
For those who don't know anything about this gay power couple Zadan and Meron are the Oscar-winning producers behind Chicago, Hairspray (the movie musical based on the musical based on the movie), Footloose (the movie remake not the musical based on the movie), NBC's Smash, and just about every thing with production numbers, divas, bugle beads, and a little extra sparkle that has happened in the last decade. Their Oscars, which is the Gay Super Bowl, is going to be spectacular.
"Craig and Neil are forward thinkers who bring a unique perspective to the Oscar show," Academy President Hawk Koch (which is not a made-up name) said today in a press release. "Their enormous collective talent, coupled with their love of film, serves our show perfectly."
If by "serving the show perfectly" he means employing numerous song and dance breaks, a fleet of Ziegfeld girls, and more Bruce Villanch quips than can fit in an entire arena, then he is correct. That is just what the show will be. I guess Neil Patrick Harris is a lock for host now. Maybe with Hugh Jackman assisting. Maybe with Jake Gyllenhaal just posing on stage in a jock strap for no reason. No matter what they do, it is sure to be amazing.
Follow Brian Moylan on Twitter @BrianJMoylan
[Photo credit: Wenn.com]
Catching Up with Producers Craig Zadan and Neil Meron


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Only the best for your little one! Make bath time much more soothing with these fun picks. Click through the gallery to check out our picks for best baby shampoos and washes.
We've rounded up the best baby-safe bath products that are great for keeping your little one squeaky clean! With soothing natural ingredients and formulas perfect for the most sensitive of skin, these washes help keep your baby looking, smelling, and feeling adorable!
Combination Shampoo/Body Washes
If you're already pulling double — and even triple! — duty as a mom, it's totally understandable that you'd want your skincare products to do the same! This applies to baby bathtime products as well. Picking an all-in-one baby wash or combo shampoo/body wash will cut down on fussy bath time!
Nature's Gate Baby Shampoo & Wash is great for fine hair and delicate skins — so even many moms out there could appreciate those qualities! The natural product is lightly scented with chamomile lavender, and orange flower. Yes To Baby Carrots Gentle Foaming Shampoo + Body Wash is the baby-friendly version of our favorite natural adult skincare from the brand! The easy foam pump is fun for little kids to portion out themselves — just don't let them get too carried away with the bubbles!
Natural Baby Washes For Sensitive Skin
Lovely baby washes will help lull your little ones to sleep — and any new mom could use any help possible to get kids to bed on time! Orico Little Love Gentle Soothing Wash is the baby version of aromatherapy — this all-over wash features Neroli oil which helps keep babies' skin soft. The product's instructions are simply "apply, dry, and cuddle," — everything you need! Noodle & Boo Soothing Body Wash actually helps regulate pH levels, so skin stays hydrated and supple!
– Kristine Hope Kowalski
More Baby Beauty News:
- Banish Your Baby's Eczema — Expert Dermatologist Advice
- Baby Product Must-Haves — Our Top Newborn Beauty Picks
- Six Moisturizers That Are Good For Mom And Baby!
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... for excellence of research in the mathematical sciences published within the past ten years.
1988 Robert P Langlands
... for his extraordinary vision, which has brought the theory of group representations into a revolutionary new relationship with the theory of automorphic forms and number theory.
1992 Robert MacPherson
... for his role in the introduction and application of radically new approaches to the topology of singular spaces, including characteristics classes, intersection homology, perverse sheaves, and stratified Morse theory.
1996 Andrew J Wiles
... for his proof of Fermat's Last Theorem by discovering a beautiful strategy to establish a major portion of the Shimura-Taniyama conjecture, and for his courage and technical power in bringing his idea to completion.
2000 Ingrid Daubechies
... for fundamental discoveries on wavelets and wavelet expansions and for her role in making wavelet methods a practical basic tool of applied mathematics.
2004 Dan-Virgil Voiculescu
... for the theory of free probability, in particular, using random matrices and a new concept of entropy to solve several hitherto intractable problems in von Neumann algebras.
MacTutor links:
NAS Prizes:
NAS Award in Mathematics
NAS Award in Applied Mathematics
Other Web site:
The URL of this page is:


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Crowd at city hall for dog licensing
Following several arrests for violating the dog license ordinance, a large number of dog owners from Glens Falls made a raid on the City Clerk's office to purchase tags for their dogs. Two persons have previously been sent to jail for five days while others have paid fines of $5 for not obeying the dog licensing law.
Readers are welcome to contact Adirondack Journal correspondent Jean Hadden at email@example.com or 623-2210.
News roundabout
Patrick Daley, 17, of Glens Falls, has been committed to a sanitarium in Saratoga to be treated for insanity caused by fast growth. He is over six feet tall.
There is plenty of snow in Riverbank now and lumbermen are busy. Young people spend very enjoyable time on Saturdays coasting down a long hill near the Riverbank home of Effie Pratt. There are many cases of measles in Warrensburgh.
Frank Robbins and Wesley Morehouse are mining stone at Sodom to be used for the building of abutments of a bridge in Oregon (area in western Johnsburgh near Rte. 8). Six teams are doing the hauling. John Little, of Hague Mountain was in Johnsburgh Corners drawing logs for Arthur Perry. Eben J. Hitchcock of Bakers Mills went to Long Lake, Feb. 10, 1911, with a load of apples.
Mrs. Ann Lynn fell on the ice near her home in Olmstedville and broke her wrist. Her daughter, Mrs. John Clifford, is caring for her.
A son was born Saturday, Feb. 11, 1911 at the Richard Menshauson home in Corinth. The new mother was the former Miss Maude Dingman, formerly of Warrensburgh. The boy was given the name of Marvin Richard Menshauson and his great-grandfather is James O. Cameron.
Charles D. Wilsey, the two-year old son of Orson R. Wilsey, got hold of a cup which contained a small portion of kerosene left over from building a fire and drank it quite freely. Emetics were given and the little fellow suffered no serious consequences.
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What Our Clients Say
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A couple of years ago Joel updated our system to one that is much more trouble free. He maintains it on an annual basis and I have confidence that my family has the benefit of clean, pure water on an ongoing basis.
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"I have many sensitivities, even to water from most water purification systems, so it has been difficult for me to find the right system for my house. Joel was wonderful and very patient while working with me and he was able to figure out a filtration system that provides perfect water for me. It is great having my own system at home, and one that provides water my body does well with. I love it!"
T.M. Boulder, CO


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The debut footage of Gaijin Games' Bit.Trip: Beat received a mainly positive response from our (obviously very cultured) readers, but one comment in particular got us thinking. Reader Go1denchi1d suggested the game needed an editor, to allow us to compile our own chiptune ditties, and we could not agree more strongly.
No such feature has been announced (yet), but if it were, which song would you want to recreate (and deflect colored blocks to) first?
Featured Stories
Off the Grid: The Witcher Adventure Game and Star Wars Imperial Assault
Posted on Feb 3rd 2015 2:15PM


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LCPD DWI Checkpoints Upcoming
LAS CRUCES- The Las Cruces Police Department will conduct at least three sobriety checkpoints within limits between July 29 and Aug. 28.
Sobriety checkpoints are intended to reduce and eliminate the number of motorists who drive while intoxicated. Additional enforcement activities may include underage and party patrols.
The Las Cruces Police Department encourages those who plan on consuming alcoholic beverages to arrange ahead of time and use a designated driver – someone who will not be drinking alcoholic beverages – for their transportation needs.
Residents of Dona Ana County can take advantage of Project HOME (Helping Others Make it home Every time), an initiative of the local DWI Program.
For a minimal fee Project HOME offers a safe ride home to anyone who may have consumed too much alcohol.
Project HOME is available Fridays, Saturdays and holidays between the hours of 5:30 p.m. and 3 a.m. For information call (575) 524-TAXI (8294).


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- 398Promote
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Bumbershoot champions rising artists from the very beginning. Macklemore first performed at Bumbershoot in 2006, then again in 2011, just … read more
Bumbershoot really does have a little something for everyone in the whole family! With the release of our 2014 Youngershoot … read more
Electricity pumps through shapes that light up; some glow dimly while others flash brightly. As you peer around the room, … read more
To complement the sunny days and warm nights of your summer, Hook N Sling, an electronic artist who hails from … read more
If you're looking for a new sound or curious about the artist behind the song we featured in our Bumbershoot … read more
We're excited about this year's Music Lineup, and so is the press! Here's a look at some of the great things … read more
What's bigger news than Bumbershoot's Mainstage returning to Memorial Stadium this year? How about the fact that we're filling it … read more
Fun Fact: Not only has Bumbershoot been around for more years than Bonnaroo, Coachella, and Sasquatch! combined, we're also a … read more


text: http://blfs-bugs.linuxfromscratch.org/show_bug.cgi?id=280 ------- Additional Comments From billyoc at linuxfromscratch.org 2003-01-11 14:10 ------- Better sed out that GSVIEW_ROOT=/usr/local, too. ------- You are receiving this mail because: ------- You are the assignee for the bug, or are watching the assignee. You are the QA contact for the bug, or are watching the QA contact. -- Unsubscribe: send email to listar at linuxfromscratch.org and put 'unsubscribe blfs-book' in the subject header of the message


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March 2015
Celebrate the City of Chicago's 178th Birthday
Enjoy a FREE slice of cheesecake today in the Bakery Cafe!
One per person, one day only. Available only at Eli's Bakery Cafe. No purchase necessary.
On March 5th, Eli's Cheesecake will be hosting the 2015 St. Patrick's Day Parade Queen and her court, along with Green River Soda, at our Bakery Café & Retail Store from 10:00 AM to 1:00 PM.
Come for a meet and greet with the St. Patrick's Day Parade Queen, Lauren Corry, and her court from 12:00 PM to 1:00 PM, and enjoy samples of Eli's Irish Cream and Irish Mint Cheesecakes.
The court will be visiting our neighbors at The New Horizon's Center for the Developmentally Disabled where they will meet, sing, and take pictures with the students. When they return to Eli's, the Queen and her court will enjoy lunch from the Bakery Café and get the chance to decorate their very own Eli's Cheesecakes!
Seniors enjoy a 10% discount every Monday!
In-store only at Eli's Bakery Cafe.
Receive a FREE Dessert with any lunch purchase!
Free dessert options are top-shelf cheesecakes and large cookies.
May only choose one dessert. Lunch served 11am-2pm.
Available only at Eli's Cheesecake Bakery Cafe.
Buy One, Get One Half Off*
Specialty pastries and desserts only. In-store only.
*Half-off promotion applies to equal or lesser priced item.


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Monday, November 28, 2011 - 7:06am
Five people fell ill
Grand Prairie — The Associated Press is reporting; emergency officials say seven people have been treated for carbon monoxide poisoning after an outdoor grill was used inside a Dallas-area house on a chilly evening.
Grand Prairie Fire Department Battalion Chief Cal Timpf says a family used the grill Sunday night in the garage, to prepare food, then moved the grill inside to help heat the residence.
Two paramedics who went into the home, before emergency personnel determined what had made the five residents sick, suffered carbon monoxide exposure and were treated at the scene.
No YouTube


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Definition of yield curve in English:
Finance A curve on a graph in which the yield of fixed-interest securities is plotted against the length of time they have to run to maturity.
Example sentences
- On the one hand, lower interest rates at all maturities along the yield curve would increase the present value of future cash flows, increasing the incentive to invest.
- Why not take full advantage of a steep yield curve by leveraging mortgage securities.
- The yield curve for U.S. Treasury securities implies a forecast for future federal funds rates.
Definition of yield curve in:
- US English dictionary
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text:
I have purchased quite a few things from MJM in the past 2 months and they have never let me down. The shipping is fast and the tricks are amazing. I...Read More ->
I think, now I KNOW that MJM Magic is the BEST online magic store out there by prices and reliability. If you have a special order item, (1-4 days...Read More ->


text:
Can someone point me into the right direction please, very new to Smarty.
I have a Variable
$var = "A,B,C"; //stored in DB
in my template I want the designer of the template to decide when to list the data in rows like
A,	 B,	 C
Can this be done without the php code?
I will have content in a database and I won't know if the designer wants to make a particular field into a list.
Not that I know of. It should be as easy as an explode and then implode to get the desired look. Something like this:
$parts = [url=http://www.php.net/explode]explode[/url](',',$string_from_db);$string = ''.[url=http://www.php.net/implode]implode[/url]('	',$parts).'	';echo $string;
in php build array $ItemsList = explode(... like shown above) $smarty->assign('ItemsList',$ItemsList);
in template designer does
{foreach name=ItemsList from=$ItemsList item=i} {$i}	 {/foreach}
or just
{foreach name=ItemsList from=$ItemsList item=i} {$i} {/foreach}
Joelgreen thats what I've ended up doing.
Made the variables into arrays and give the designer the choice to make lists.
I've experimented with the {foreach} and put the following
{if $smarty.foreach.NAME.first}FIRST ROW TEXT = {/if} >> {$value}
So I now get
FIRST ROW TEXT >> row1 >> row2 >> row3


text:
Great Deals Don't Stop On Black Friday – Amazon Offers Huge Savings For Cyber Monday
(NASDAQ:AMZN)— Starting at midnight on Sunday, Nov. 25, Amazon.com, Inc. will open its Cyber Monday Deals Store ( www.amazon.com/cybermonday). The deals destination will offer thousands of limited-time Lightning Deals and Deal of the Day doorbusters through the end of the week, with items eligible for Free Super Saver Shipping and Prime Free Two-Day Shipping.
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- 50% off Nikon COOLPIX S9200 Digital Camera
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- JBL High-Performance Complete 6-Piece Home Theater Speaker System, $349.99
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- Dell Inspiron 15.6-Inch Laptop, $399.99
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- Brave (Three-Disc Collector's Edition), $8.96
- Harry Potter and the Deathly Hallows, Part 2 (+UltraViolet Digital Copy), $1.96
- Up to 40% off select Crayola items
- $50 off select Power Wheels
- Angry Birds King Pig Castle (Amazon Exclusive), $29.99
- $25 off purchase of $60 or more on select Fisher-Price toys
- Polly Pocket Wall Party Ultimate Playset, $49.99
- Dyson DC25 Ball All-Floors Upright Vacuum Cleaner, $299
- Skybar Wine Set, $63.99
- Sunbeam MixMaster Stand Mixer, $49.97
- Ginsu Chikara Series 5-Piece Bamboo Block Set, $39.99
- Manduka Go-Getter Prolite Yoga Kit, $59.99
- Timex Women's Ironman Race Trainer Heart Rate Monitor Watch, $89.95
- Invicta Women's Angel Mother-Of-Pearl Dial Crystal Accented Watch, $49.99
- Stuhrling Men's Classic Delphi Chamberlain Mechanical Skeleton Silver Dial Watch Set, $74.99
- Diamond stud earrings starting at $39.99
- Up to 60% off sweaters and fleece for men, women, kids and baby
- $20 off purchase of $100 and $50 off purchase of $200 on select shoes, boots and handbags
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- $20 off purchase of $100 or more on select Porter-Cable tools
- M-Audio Venom 49 Synthesizer, $189.99
All prices available at select times and while supplies last.
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text:
Skinny black man: Can you tell me what a fiasco is?
White guy at table with him: Yeah, it's like a party, a big party.
–Outside Nathan's, Coney Island
Overheard by: Justi
Archive for February, 2009
Anyone Else Shocked a High School Student Could Identify Alan Greenspan?
TA pointing at picture of Alan Greenspan: Okay, who is this?
Front row student: Alan Greenspan.
TA: And what is he best known for?
Front row student: Being Jewish.
–Columbia University
Overheard by: Just sitting in the back
And She Would've Gotten Away with It, Too, If It Weren't for Those Darned Kids
Guy #1: See, I was in a diner the other day, I ordered some food and, yeah, I kinda noticed that the waitress was hot. Once I'd got my food and gone outside, I saw they hadn't given me my hash brown. So I went back in thinking, you know, I could get my hash brown and ask the waitress for her number or something. But when I got back the waitress was like "I ate your hash brown."
Guy #2: She ate your hash brown?
Guy #1: She ate my hash brown!
–Lexington Ave b/w 40th & 41st
Just Means I Won't Give You This Exploding Apple
Crazy hobo, looking up from intense argument with imaginary friend: Excuse me, sir!
Confused suit: Uh, yeah?
Crazy hobo: What kind of teacher are you?
Confused suit: Teacher?
Crazy hobo: Yes, what subject do you teach?
Confused suit: But, um, I'm not a teacher…
Crazy hobo: Oh. Well, that's alright. Don't think I was criticizing you. I guess it's alright if you're not a teacher. I wasn't insulting you!
–6th & Spring
Overheard by: Heather
From the Glade Plug-Ins "Pussy Passion" Collection…
Thug to female friend: Damn, I ain't never gonna have my house stop smelling like pussy.
Spanish passerby, in Spanish: I hope he is talking about his cats.
–136th & Broadway
Overheard by: gator city girl
Kids Have the Intestinal Tracts Of Spotted Hyenas
Woman: We gotta get yogurt for the kids, too.
Man: I got yogurt.
Woman: Yeah, Activia. You can't be giving kids Activia! Kids already be shittin' like mad!
–Costco, Brooklyn
My Arm Muscles Are Totally Atrophying
30-something Latina: I wish I could beat my daughter like it was allowed when I was growing up.
Friend, nodding knowingly: Uh-huh.
–Gun Hill & Rochambeau
Overheard by: Gutterlush
But She Has Fielded Some Balls in Her Day, If You Catch My Drift
Girl in bathroom #1: God, I look horrible today. This is what Madonna must look like after playing some baseball with a rod. (pause) if you know what I mean…
Girl in bathroom #2: Are you really that dumb? Madonna is a singer, not a baseball player…everyone knows that!
Overheard by: Home run for ester!
And You Should Know, Ms. "I-Camped-Out-for-Bon-Jovi-Tickets"
Woman, sounding disgusted: Who falls asleep on the street?
Man, sounding tired of explaining things: A lot of people do.
–Spring St, SoHo
Overheard by: CK
…Since You Pooped in It
Little boy: Mom, is this a potty?
Mom: No it's the subway exit.
Little boy: It smells like a potty.
–F Train